II - 'Cfftim fu4t:l p UnJ · a b&S in dB an k Accounts ...Punjab & Sind Bank ÄÄç ½ Z ÖÊÙã...

'\BTfl �� rfl cit� II �- q;r_ � � � 'Cfftim � q GI I ti (! o '5 fu4t:l �cJ> "� <lilff" .� rn. >1Wl (Rif,

p · b&S dB k 21.��.��-110 008UnJ a in an H.O. Accounts & Audit Departmentn·

�. � �. l.l tt I ij � I N q � "Shares Cell", Bank House, 1st Floor, -ql�Jfl. ('l'fffil mffi <liT �/A Govt. of India Undertaking) 21, Rajendra Place, New Delhi - 110008

Phone : 011-25782926, 2581-2922, 25817353, 25728930, Email:[email protected]

�: .................................. .

Ref: PSB/HO/Shares Cell/ /2018-19

To,

Bombay Stock Exchange Limited, Der,artment of Corporate Services,25

11 floor, Phiroze Jeejeebhoy Towers,Dalal Street, Fort,

Mumbai - 400 001.

SCRIP ID : PSB SCRIP CODE : 533295

Dear Sir,

Reg: Annual Report 2017-18

�/Dated: ................................... .

July 02, 2018

National Stock Exchange of India Ltd., Exchange Plaza, C - 1, Block - G,

Bandra Kurla Complex, Bandra (East), Mumbai - 400 051.

SYMBOL: PSB SERIES: EQ

We are forwarding Annual Report of the Bank for the financial year 2017-18 in compliance of

Clause 34 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 201 S

We request you to take note of the above.

Yours faithfully,

Where service is a way of life

funs’kd eaMy / Board of Directors

dk;Zdkjh funs’kdJh Qjhn vgen

Execu� ve DirectorSh. Fareed Ahmed

dk;Zdkjh funs’kdJh xksfoan ,u MksaxzsExecu� ve Director

Sh. Govind N Dongre

Jh ,l- lsYok dqekjSh. S. Selva Kumar

Jh çnhIr- ds- tsukSh. Pradipta K. Jena

Jh vruq lsuSh. Atanu Sen

Jh Vh-vkj- esUnhjRrkSh. T.R. Mendira� a

Jh g"kZ chj flagSh. Harsh Bir Singh

Jh ,l-vkj- ?ksMh;kSh. S.R. Ghedia

Jh e/kq lwnu nknwSh. Madhu Sudan Dadu

Punjab & Sind Bank

2017-18 1

fo"k;&lwph / Contents

i`"B la[;k / Page No.

1- mYys[kuh; rF; / Highlights 2

2- funs”kd eaMy / Board of Directors 3

3- uksfVl

4- funs'kd eaMy dh fjiksVZ

5- dkWiksZjsV izca/ku fjiksVZ

6- O;olkf;d mRrjnkf;Ro fjiksVZ

7- ckly&II o ckly&III ds varxZr izdVhdj.k

8- foRrh; foojf.k;ka / Financial Statements:

Lora= ys[kk ijh{kdksa dh fjiksVZ / Independent Auditors’ Report

rqyu&i=

ykHk&gkfu [kkrk

vuqlwfp;k¡

udnh izokg fooj.k&i=

9- izkWDlh izk#i

10- mifLFkfr iphZ

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2017-182

mYys[kuh; rF; / Highlights

#i, yk[kksa esa / Rupees. in lacsfnukad 31-03-2018 dks / As on 31.03.2018

1- tek

2- ldy vfxze

3- izkFkfedrk {ks= vfxze

4- ldy fuos'k

5- ifjpkyu ykHk

6- 'kq) ykHk

7- vkfLr;ksa ij izfrQy

8- “kq) ,u-ih-,- vuqikr

9- iwaath i;kZIrrk vuqikr cklsy&

10- iwaath i;kZIrrk vuqikr cklsy&

Punjab & Sind Bank

2017-18 3

dk;Zdkjh funs'kd dk;Zdkjh funs'kd Jh Qjhn vgen Jh xksfoan ,u Mksaxzs

Sh. Fareed Ahmed Sh. Govind N Dongre

funs'kd @

Jh ,l- lsYok dqekj] vkbZ-,-,l- Jh çnhIr ds- tSuk Jh vruq lsuSh. S. Selva Kumar, IAS Sh. Pradipta K. Jena Sh. Atanu Sen

Jh Vh-vkj- esUnhjRrk Jh g"kZ chj flag lh ,] ,l-vkj- ?ksMh;k

Jh e/kq lwnu nknwSh. Madhu Sudan Dadu

eq[; lrdZrk vf/kdkjh

Jh lat; tSu

Sh. Sanjay Jain

egkizca/kd

Jh ,l-lh- Dok=k Jherh gjfoUnz lpnso

Jh th-,l- ukjax¼izfrfu;qfDr ij½Sh. G.S. Narang

ys[kk ijh{kd /eSllZ /kou ,.M da- eSllZ nfoUnj iky flag ,.M da-

eSllZ ,l- eku ,.M da- eSllZ cYknso dqekj ,.M da-

cksMZ funs'kd

iatkc ,.M fla/ cSad


iatkc ,.M ÇLk/k cSad¼Òkjr Lkjdkj dk miØe½

Á/kku dk;kZy; % 21 &jktsUæ IysLk] ubZ fnYyh 110008www.psbindia.com

_______________________________________________________________________________________

lwpuk

,rn~ }kjk lwfpr fd;k tkrk gS fd iatkc ,.M fla/k cSad ds 'ks;j/kkjdksa dh vkBoha lkekU; cSBd iatkc ,.M fla/k cSad] LVkQ çf'k{k.k d‚y st] laLFkkxr {ks=] Iy‚V la[;k 3] lSDVj 3] t;iqj xksYMu vLirky ds ikl] jksfg.kh] fnYyh&110085 esa 'kqØokj] 29 twu] 2018 dks çkr% 10-00 cts vk;ksftr gksxh ftlesa fuEu dkjksckj fd, tk,axs%

en la[;k1- foÙkh; ifj.kkeksa vFkkZr~ 31 ekpZ] 2018 dks cSad dk ys[kk ijhf{kr rqyu i= rFkk ykHk gkfu [kkrksa ij] cSad dh ys[kksa esa

lfEefyr vof/k esa xfrfof/k;ksa ,oa dk;Z 'kSyh ij funs'kd e.My dh fjiksVZ vkSj rqyu&i= ,oa ys[kksa ij ys[kkdkjksa dhfjiksVksaZ ij fopkj djus] vuqeksnu djus rFkk vaxhdkj djus gsrqA

;g Hkh lwfpr fd;k tkrk gS fd cSad us okf"kZd lkekU; cSBd esa bZ&ernku@ernku djus gsrq ik= 'ks;j/kkjdksa ds ukeksa dks lqfuf'pr djus dh vafre frfFk 22-06-2018 fu/kkZfjr dh gSA ,rn~ }kjk ;g Hkh uksfVl fn;k tkrk gS fd 'ks;j/kkjdksa ds jftLVªkj vkSj cSad dh 'ks;j varj.k cfg;ka fnukad 23-06-2018 ls 29-06-2018 rd] ftlesa nksuksa fnu lfEefyr gSa] vkBoha okf"kZd lkekU; CkSBd ds lEca/k esa cUn jgsaxhA

funs'kd eaMy ds vkns'k ls

LFkku % ubZ fnYyh Qjhn vgenfnukad % 21 ebZ] 2018 dk;Zdkjh funs'kd

Punjab & Sind Bank

2017-18

Punjab & Sind Bank

www.psbindia.com

_______________________________________________________________________________________

Place : New Delhi

iatkc ,.M fla/ cSad


fVIif.k;ka1- ç‚Dlh dh fu;qfä%

cSBd esa Hkkx ysus vkSj ernku ds fy, ik= 'ks;j&/kkjd vius LFkku ij cSBd esa Hkkx ysus ,oa er nsus ds fy, ç‚Dlh dh fu;qfädjus gsrq ik= gksxk@gksxh rFkk ç‚Dlh dks cSad dk 'ks;j/kkjd gksuk vfuok;Z ugha gSA

iatkc ,.M fla/k cSad ¼'ks;j o cSBd½ fofu;e] 2008 ds çko/kkuksa ds vuqlkj iatkc ,.M fla/k cSad ds fdlh vf/kdkjh ;k deZpkjhdks ç‚Dlh fu;qä ugha fd;k tk ldrk gSA fofu;eksa ds fofu;e 70¼vi½ ds vuqlkj ç‚Dlh dks fn, x, fy[kr }kjk O;fäxr :ils cSBd esa ernku dk vf/kdkj ugha gksxk ftlls fy[kr lacaf/kr gSA

ç‚Dlh QkeZ ¼vuqyXud&,½ rHkh çHkkoh gksxk tc og iatkc ,.M fla/k cSad] ç/kku dk;kZy;] ys[kk ,oa ys[kk ijh{kk foHkkx] cSad ds'ks;j d{k] 21&jktsUæ Iysl] ubZ fnYyh&110008 esa okf"kZd lkekU; cSBd dh frfFk ls de ls de pkj fnu igys vFkkZr~ fnukad24-06-2018 ¼jfookj½ dks lk;a 5 cts vFkok cSad ds dk;Z&?kaVksa ds lekIr gksus ls iwoZ çkIr gks tk,xkA blds lkFk eq[rkjukek ;kvU; vf/kdkj i= ;fn dksbZ gS] tksfd gLrk{kfjr gS vFkok uksVjh ifCyd ;k eftLVªsV }kjk çekf.kr gS lR;&çfr ds :i esa çLrqrdh tk, c'kZrs ;g eq[rkjukek vFkok vf/kdkj i= iwoZ esa cSad ds ikl tek gS rFkk iath—r gSA

2- vf/k—r çfrfuf/k dh fu;qfä%

iatkc ,.M fla/k cSad ¼'ks;j o cSBd½ fofu;e] 2008 ds çko/kkuksa ds vuqlkj iatkc ,.M fla/k cSad ds fdlh vf/kdkjh ;k deZpkjhdks vf/k—r çfrfuf/k ds :i esa fu;qä ugha fd;k tk ldrk gSA

dksbZ Hkh O;fä tks fdlh daiuh ;k fuxfer fudk; tksfd cSad dk 'ks;j/kkjd gS] ds fof/kor~ çfrfuf/k ds :i esa cSBd esa Hkkxysus vFkok oksV nsus ds fy, rc rd ik= ugha gksxk tc rd mls ,d ;Fkkfof/k vf/k—r çfrfuf/k ds :i esa fu;qä djuslaca/kh ladYi dh ,d çfr ml cSBd ds v/;{k] ftlesa ;g ikfjr fd;k x;k Fkk] }kjk çekf.kr fd;k x;k gks] cSBd dh rkjh[kls 4 fnu iwoZ vFkkZr~ 24-06-2018 ¼jfookj½ dks lk;a 5 cts ;k blls igys iatkc ,.M fla/k cSad] ç/kku dk;kZy;] ys[kk ,oa ys[kkijh{kk foHkkx] cSad ds 'ks;j d{k] 21&jktsUæ Iysl] ubZ fnYyh&110008 esa çkIr gks tkuk pkfg,A

3- iathdj.k] mifLFkfr iphZ rFkk ços'k iphZ%

'ks;j/kkjdksa dks cSBd esa Hkkx ysus dh lqfo/kk çnku djus gsrq fnukad 29-06-2018 dks çkr% 9-00 cts iathdj.k cSBd LFky ij vkjaHkgksxhA 'ks;j/kkjdksa dks iathdj.k vkSipkfjdrkvksa dks iw.kZ djus gsrq cSBd esa le; ls igys mifLFkr gksus dk vuqjks/k gSA

'ks;j/kkjdksa dh lqfo/kk gsrq bl uksfVl ds lkFk mifLFkfr iphZ rFkk mifLFkfr ikl ¼vuqca/k ^ *½ esa layXu gSA 'ks;j/kkjdksa@ç‚Dlh/kkjdksa@vf/k—r çfrfuf/k;ksa ls vuqjks/k gS fd mifLFkfr iphZ Hkj dj] mlesa n'kkZ, x, LFkku ij vius gLrk{kj dj] bls cSBd LFkyij lkSi nsa blds i'pkr~ gh mUgsa ços'k iphZ tkjh dh tk,A 'ks;j/kkjd ds ç‚Dlh@vf/k—r çfrfuf/k tSlh Hkh fLFkfr gks ç‚Dlh@vf/k—r çfrfuf/k mifLFkfr iphZ ij ç‚Dlh ;k vf/k—r çfrfuf/k tks Hkh fLFkfr gks vafdr djsxkA 'ks;j/kkjdksa@ç‚Dlh&/kkjdksa@çkf/k—r çfrfuf/k;ksa dks lwfpr fd;k tkrk gS fd cSBd esa ços'k dk vf/kdkj lR;kiu@tkap] tSlk Hkh vko';d le>k tk,xk] ds i'pkr~gksxk] vkSj mudks oS/k igpku tSls ernkrk igpku i=@fu;ksäk igpku i=@iSu dkMZ@ikliksVZ@Mªkbfoax ykblsal vkfn dks lkFkesa ykus dh lykg nh tkrh gSA ços'k ikl dks çLrqr djus ij pquko ds fy, eri= tkjh fd;k tk,xkA

4- 'ks;j varj.k ,tsUVksa ds lkFk i=&O;ogkj%

'ks;j/kkjd] ftuds ikl 'ks;j HkkSfrd fLFkfr esa gSa] ls muds bZ&esy irs] Mkd irs] cSad fooj.k vkfn esa gq, ifjorZuksa] ;fn dksbZ gSrks] bZysDVª‚fud eksM ls lHkh tkudkjh çkIr djus ds fy, mldh lwpuk cSd ds 'ks;j varj.k ,tsaV dks fuEu irs ij nh tk,%

fyad buVkbe bafM;k çk- fy-;wfuV&iatkc ,.M fla/k cSad]44] leqnk; dsaæ] nwljh eafty] ukjk;.kk vkS|ksfxd {ks=] Qst&Iutnhd ih-oh-vkj-] ukjk;.kk, ubZ fnYyh& 110 028Qksu 011& 41410592] 41410593 bZ esy% 'ks;j/kkjd ftuds ikl 'ks;j vHkkSfrd :i esa gSa] ls vuqjks/k gS fd os vius bZ&esy irs] Mkd irs] cSad fooj.k esa ifjorZu@v|ru ;fn gks rks] vius fMi‚ftV‚jh lgHkkxh dks lkjk laçs"k.k bySDVª‚fud ek/¸ke ls çkIr djus ds fy, lwfpr djsaA

5- ykHkka'k

cSad }kjk o"kZ 2017&18 gsrq dksbZ ykHkka'k ?kksf"kr ugha fd;k x;k gSA

Punjab & Sind Bank

2017-18

:

through electronic mode:

nd

.time.co.in

5.

iatkc ,.M fla/ cSad


6- vçnÙk@nkok u fd, x, ykHkka'k] ;fn dksbZ gks%

ftu 'ks;j/kkjdksa us vius fiNys ykHkka'k okjaVksa dk udnhdj.k ugha fy;k gS os cSad ds 'ks;j varj.k ,tsaV ls n'kkZ, x, mä irsij ;k 21] jktsaæ Iyssl] ubZ fnYyh~&110008 esa cSad ds 'ks;j d{k ls laidZ djsaA

7- Qksfy;ksa dk lesdu%

ftu 'ks;j/kkjdksa ds ikl ,d ls vf/kd [kkrksa esa vius le:i uke ls 'ks;j gSa] muls vuqjks/k gS fd os fyad buVkbZe bafM;k çk-fy- ¼vkj-Vh-,-½ dks 'ks;j çek.k&i=ksa ds lkFk ,sls [kkrksa ds ystj Qksfy;ks ds lkFk lwfpr djsa rkfd cSad ,d [kkrs es lHkh /kkfjr'ks;jksa dk lesdu djus esa l{ke gks ldsA i`"Bkadu laca/kh vko';d dkjZokbZ djus ds ckn] lnL;ksa ds 'ks;j çek.k&i= ;Fkk le;ykSVk fn, tk,axsA

8- 'ks;j /kkjdksa ls vuqjks/k%

'ks;j/kkjdksa@ç‚Dlh /kkjdksa@çkf/k—r çfrfuf/k;ksa ls vuqjks/k gS fd os okf"kZd lkekU; cSBd esa okf"kZd fjiksVZ dh viuh çfr lkFkysdj vk,A okf"kZd lkekU; cSBd esa okf"kZd fjiksVZ dh dksbZ çfr forfjr ugha dh tk,xhA

;g ç'kaluh; gksxk fd 'ks;j/kkjd vius ç'u] ;fn dksbZ gSa] le; ls i;kZIr igys daiuh lfpo] iatkc ,.M fla/k cSad] ç- dk- 'ks;jd{k] 21] jktsaæ Iysl] ubZ fnYyh&110008 ds ikl çsf"kr djs ;k @psb.co.in ij bZ&esy djsA

9- 'ks;j /kkjdksa ds erkf/kdkj%

vf/kfu;e dh /kkjk 3 ¼2bZ½ esa fn, x, çko/kkuksa dh 'krksaZ ds vuqlkj dsaUæ ljdkj ds vykok] cSad dk dksbZ Hkh 'ks;j/kkjd vius }kjk/kkjd 'ks;j] cSad ds lHkh 'ks;j /kkjdksa ds dqy erkf/kdkj dk nl çfr'kr ls vf/kd 'ks;j j[krk gS rks og erkf/kdkj dk ik= ughagksxkA cSad lHkh 'ks;j/kkjdksa dks ,tsaMk enksa ds fy, bZ&oksfVax dh lqfo/kk çnku dj jgk gSA ok-lk-cS- dh bZ&oksV] oksV dh ik=rkdh vafre fnukad ¼dV v‚Q MsV½ 22-06-2018 gSA bZ&oksfVax dh vof/k 26-06-2018 dks iwokZà 10-00 cts çkjaHk gksxh vkSj 28-06-2018dks vijkà 5-00 cts rd gksxhA blds i'pkkr bZ&oksV ugha dh tk ldsxhA y‚xbu vkbZMh] ikloMZ] çfØ;k layXu gSA

ftu 'ks;j/kkjdksa us bZ&oksV fd;k gS okf"kZd lkekU; cSBd esa Hkkx ys ldrs gSa fdarq ernku esa Hkkx ugha ys ldrsA ;fn mUgksausernku ds ek/;e ls er dk ç;ksx fd;k rks ml ij fopkj ugha fd;k tk,xkA

10- 'ks;j d{k

'ks;j/kkjdksa dks rhoz ,oa çHkkoh lsok çnku djus ds fy, cSad us ç/kku dk;kZy; esa 'ks;j d{k dh LFkkiuk dh gSA 'ks;j/kkjd ,oafuos'kdrkZ fuEu irs ij fdlh Hkh çdkj dh lgk;rk ds fy, laidZ dj ldrs gS&

daiuh lfpo]iatkc ,.M fla/k cSd]ç/kku dk;kZy; ¼'ks;j d{k½ys[kk ,oa ys[kk ijh{kk foHkkx]21&jktsaæ Iysl] çFke ry] ubZ fnYyh&110008-VsyhQksu& 011& 25782926] 25812922 bZ&esy%

11- vU; tkudkjh%

'ks;j/kkjd —i;k tku ysa fd lHkk esa fdlh Hkh çdkj dk migkj dwiu ugha fn;k tk,xkA

dM+h lqj{kk ds dkj.kksa ls gkWy ds Hkhrj czhQ dsl] [kk| inkFkZ rFkk futh oLrq,a ys tkuk euk gSA blfy, cSBd esa mifLFkr gksus okys lHkh O;fä vius lkeku dh lqj{kk dh O;oLFkk Lo;a djsaA

funs'kd eaMy ds vkns'k ls

LFkku % ubZ fnYyh Qjhn vgenfnukad % 21 ebZ] 2018 dk;Zdkjh funs'kd

Punjab & Sind Bank

2017-18

6.

7. :

necessary endorsement in due course.

:

.

9.

procedure is annexed.

the same will not be considered.

.

Place : New Delhi

iatkc ,.M fla/ cSad


ernku çfØ;kiatkc ,.M fla/k cSad dh NBh okf"kZd lkekU; cSBd ds fy, bZ&ernku

cSad daiuht ¼çca/ku vkSj ç'kklu½ fu;e 2014 ds fu;e 20 ds vuqlkj] vkBoha okf"kZd lkekU; cSBd esa vius 'ks;j/kkjdksa dks lhMh,l,yds ek/;e ls bZ&ernku dh lqfo/kk çnku djsxkA

lnL;ksa gsrq bySDVª‚fud fof/k ls ernku gsrq funsZ'k fuEuk~uqlkj gSa %&

¼i½ fnukad 26-06-2018 dks çkr% 10 cts ernku vof/k vkjEHk gksxh vkSj fnukad 28-06-2018 dks lk;adky 5-00 cts lekIr gks tk,xhA bl vof/k ds nkSjku cSad dk 'ks;j/kkjd ftlds ikl vafre frfFk 22-06-2018 dks 'ks;j HkkSfrd :i esa vFkok vHkkSfrd :i esa gSa] viuk ernku bZySDVª‚fud :i ls dj ldrk gSA mlds ckn lh,lMh,y }kjk ernku çfØ;k jksd nh tk,xhA

¼ii½ 'ks;j/kkjdksa dks bZ-oksfVax lkbZV ij ernku gsrq y‚x v‚u djuk pkfg,A

¼iii½ 'ks;j/kkjd@lnL;ksa ij fDyd djsaA¼iv½ vc viuk ;wtj vkbZMh çfo"V djsaA

d- lh,lMhy gsrq & 16 vadksa dh fgrkf/kdkjh vkbZMhA[k- ,u,lMh,y gsrq & 8 Lo:i dh Mhih vkbZMh ds ckn 8 vadksa dh xzkgd vkbZMhAx- HkkSfrd :i esa 'ks;j /kkjd viuh iath—r Qksfy;ksa la[;k çfo"V djsaA

¼v½ n'kkZ;h xbZ bZest dks çfo"V djsa vkSj y‚xbu ij fDyd djsaA

¼vi½ ;fn vkids ikl 'ks;j vHkkSfrd :i esa gSa vkSj vkius ij y‚xv‚u dj fn;k gS vkSj iwoZ esa fdlh daiuh gsrq ernku dj fn;k gS rks viuk orZeku ikloMZ dk ç;ksx djsaA

¼vii½ ;fn vki çFke okj ernku dj jgs gSa rks fuEu fn, x, dneksa dk vuqlj.k djs%

HkkSfrd :i rFkk vHkkSfrd :i ¼MhesV½ esa 'ks;j/kkjdksa gsrq

iSu vk;dj foHkkx }kjk tkjh viuk 10 vadksa dk vYQk &U;wjesfjd*iSu çfo"V djsa ¼;g MhesV 'ks;j/kkjdksa vkSj HkkSfrd 'ks;j/kkjdksa nksuksa ds fy, ykxw gS½

Û ,sls lnL; ftUgksaus viuk PAN daiuh@fMikftVjh lgHkkxh ds ikl viMsV ugha djk;k gS] ls vuqjks/k gS fd os PAN QhYM esa Øe la[;k tks iksLVy cSysV@mifLFkfr iphZ ij fçaV gS iSu QhYM esa çfo"V djsaA

ykHkka'k cSad fooj.kvFkoktUe&frfFk¼Mhvksch½

—i;k tUefrfFk ;k ykHkka'k cSad fooj.k ¼fnu@ekg@o"kZ çk:i esa½ MhesV [kkrs esa ;k daiuh ds MhesV [kkrs ds fjd‚MZ ds vuqlkj ;k Qksfy;ks esa ds :i esa y‚xbu djus gsrq çfo"V djsaA

Û ;fn fooj.k fMi‚ftVjh ;k daiuh ds ikl iath—r ugh gSa rks —i;k ykHkka'k cSad fooj.k QhYM esa lnL; vkbZMh@Qksfy;ksa la[;k] ykHkka'k cSad fooj.k tSlk fd ¼iv½ esa mYysf[kr gS çfo"V djsaA

¼viii½ bu fooj.kksa dks çfo"V djus ds i'pkRk] Þ ß Vsc ij fDyd djsaA

¼ix½ lnL; ftuds ikl HkkSfrd #i esa 'ks;j gSa] lh/ks lsysD'ku LØhu ij lh/ks igq¡p ldrs gSaA tcfd lnL; ftuds ikl MhesV #i esa 'ks;j gSa ÞikloMZ fØ,'ku fodYiß esa igq¡psaxs tgk¡ muds }kjk y‚fxu ikloMZ] u, ikloMZ LFkku esa cny dj nsuk vko';d gSA —i;k /;kuiwoZd uksV djsa fd ;g ikloMZ] MhesV /kkjdksa }kjk] fdlh Hkh daiuh] ftlesa og oksV nsus ds fy, leFkZ gS] tcfd og daiuh ftlesa }kjk bZ&oksfVax djokrh gks] ç;ksx fd;k tk ldrk gSA vkidks xaHkhjrk ls lykg nh tkrh gS fd viuk ikloMZ fdlh vU; O;fä dks u crk,a rFkk vius ikloMZ dks xksiuh; j[ksaA

¼x½ lnL; ftuds ikl 'ks;j HkkSfrd :i esa gSa] fooj.k dk dsoy mi;ksx bl uksfVl esa bZ&ernku gsrq fn, x, elkSns esa fd;k tk ldrk gSA

¼xi½ iatkc ,.M fla/k cSad gsrq Þ ß ij fDyd djsa ftldks vki ernku djuk pkgrs gSaA

¼xii½ oksfVax i`"B ij vki fjtksY;w'ku fooj.k ds le{k gk¡@ugha dk fodYi] oksfVax ds fy, ns[ksaxsA vko';d gk¡ vFkok ugha] fodYi dk pquko djsaA gk¡ dk fodYi] çLrko ds çfr vkidh lgefr lwfpr djrk gS rFkk ugha dk fodYi] çLrko ds çfr vkidh vlgefr lwfpr djrk gSA

Punjab & Sind Bank

2017-18 11

.

a.

b.

c.

If you are holding shares in demat form and had logged on to

PAN

•

Dividend

OrDate of Birth

or in the company records in order to login.

• If both the details are not recorded with the depository or company please enter the member id / folio

iatkc ,.M fla/ cSad


¼xiii½ ;fn vki lHkh çLrkoksa dks ns[kuk pkgrs gSa rc ÞfjtksY;w'ku Qkby fyadß dks fDyd djsaA

¼xiv½ oksV djus ds çLrko dks pquus ds i'pkr ij fDyd djsa A ,d iqf"V c‚Dl ogk¡ fn[ksxk] ;fn vki iqf"V djuk pkgrs gSa rks Þ ßij fDyd djsa vkSj ;fn viuk oksV cnyuk pkgrs gSa rks ij fDyd djsa vkSj bl çdkj vki viuk oksV cny ldrs gSaA

¼xv½ ;fn vki çLrko ij ,d ckj viuk oksV dj nsrs gSa rc vkidks mls cnyus dh vuqefr ugha gksxhA

¼xvi½ vki vius }kjk fd, x, ernku dk fçaV Hkh ernku i`"B ij ÞfçaV ysus gsrq ;gkW fDyd djsaß ij fDyd dj ys ldrs gSaA

¼xvii½ ;fn MhesV [kkrk/kkjd viuk ifjofrZr ikloMZ Hkwy x;k gS rc ;wtj vkbZMh vkSj bZest lR;kiu dksM dks çfo"V djsa vkSj Hkwys gq, ikloMZ ij fDyd djsa rFkk ç.kkyh }kjk ekaxs x, fooj.k dks çfo"V djsaA

¼xviii½ 'ks;j/kkjd viuk ernku lhMh,l,y dh eksckbZy ,i ,e&oksfVax dk mi;ksx djrs gq, dj ldrs gSa tksfd ,UMªk;M vk/kkfjr eksckbZyksa gsrq miyC/k gSA ,e&oksfVax eksckbZy ,i dks xwxy ds Iys LVksj ls gkfly fd;k tk ldrk gSA ,Iiy vkSj foaMksa Qksu dk mi;ksx djus okys ,Iiy LVksj rFkk foaMks Qksu LVksj ls Øe'k% ,i çkIr dj ldrs gSaA vius eksckbZy ij ernku djrs le; eksckbZy ,i }kjk fn, x, funsZ'kksa dk vuqlj.k djsaA

¼xix½ voS;fäd 'ks;j/kkjd rFkk vfHkj{kdksa gsrq uksV

Û voS;fäd 'ks;j/kkjd ¼tSls oS;fäd ls vyx] fganw la;qä ifjokj] ,uvkjvkbZ vkfn½ vkSj vfHkj{kdksa dks com y‚xbu djuk gksxk vkSj d‚iksZjsV ds :i esa Lo;a dks iath—r djkuk gksxkA

Û iathdj.k dh LdSu d‚ih ftl ij laLFkk dh eksgj rFkk gLrk{kj gksus pkfg,] dks @cdslindia.com ij bZ&esy dj nsuk pkfg,A

Û y‚xbu fooj.k çkIr gksus ds ckn admin y‚xbu vkSj ikloMZ dk mi;ksx dj vuqikyu ;wtj fØ,V dj ysuk pkfg,A vuqikyu ;wtj [kkrk¼vksa½ dks fyad djus es leFkZ gksxk ftlds fy, oks ernku djuk pkgrs gSaA

Û lHkh [kkrksa dh lwph @cdslindia.com dks esy dj nsuh pkfg, vkSj [kkrksa dh Loh—fr çkIr gksus ds ckn] oks ernku djus esa leFkZ gksaxsA

Û vfHkj{kd ds i{k esa muds }kjk tkjh i‚oj v‚Q vVkuhZ vkSj cksMZ ladYi dh LdSuM çfr] ;fn dksbZ gS] dks ihMh,Q çk:i esa ç.kkyh esa viyksM djuk pkfg, rkfd Nkuchu djus okyk mldks lR;kfir dj ldsA

¼xx½ O;fä;ksa ftUgksaus 'ks;j [kjhns gSa vkSj uksfVl dks çsf"kr djus ds ckn Hkh bZ&oksfVax gsrq mijksä çfØ;k viuk ldrs gSaA

fVIi.kh% ;fn dksbZ lnL;¼vksa½ vius oksV nksuksa vFkkZr HkkSfrd :i ;k bZ&oksfVax ls ernku djrk gS rks bZ&oksfVax ds ek/;e ls fd;k x;k ernku ekU; jgsxk rFkk HkkSfrd ernku dks vuns[kk dj fn;k tk,xkA ;|fi ftl 'ks;j/kkjd us bZ&ernku ds ek/;e ls viuk oksV fn;k gS og okf"kZd lkekU; cSBd esa lgHkkfxrk dj ldrk gS fdarq iksy esa oksV ugha dj ldrkA

Jh nhid xqIrk] dk;Zjr daiuh lfpo ¼lhih ua- 4629½ dks bySDVª‚fud oksfVax çfØ;k ds fy, vads{kd fu;qDr fd;k x;k gS] tks i{k ;k foi{k esa Mkys x, oksVksa dh fjiksVZ rS;kj djsaxs rFkk bls cSBd laiUu gksus ds 48 ?kaVksa ds Hkhrj v{kj'k%] okf"kZd lkekU;cSBd dh lacaf/kr fjiksVZ çLrqr djsaxs

v/;{k }kjk ?kksf"kr ifj.kke ds lkFk vads{kd dh fjiksVZ dks cSad dh osclkbV rFkk lhMh,l,y dh osclkbV ij ifj.kke dh ?kks"k.kk ds rqjar ckn Mky fn;k tk,xk

i;kZIr oksV dh çkfIr ij ladYi dks okf"kZd lkekU; cSBd ds fnu ikfjr ekuk tk,xk

cSBd dh lwpuk www.psbindia.com rFkk ij Hkh çnf'kZr gSA

;fn bZ&oksfVax ds lanHkZ esa vkidk dksbZ ç'u vFkok ftKklk gS rks ckj&ckj iwN s tkus okys ç'u ¼ÞFAQsß½ ij tk,a rFkk lgk;rk vuqHkkx ds varxZr @cdslindia.com ij bZ&oksfVax esuqvy miyC/k gS ;k @cdsindia.com dks bZ&esy djsa ;k Jh jkds'k nYoh] fMIVh çca/kd] ] 25oka ekyk] foax , ekjVkSu ¶;wpj ,Dl] ekQryky feYl d‚Ei‚m.M] ,u,e tks'kh ekxZ] yksvj isjsy ¼bZ½ eqEcbZ&400013] nwjHkk"k ua- 1800225533 ;k Jh Hkkjr Hkw"k.k] ,lksf'k,V mik/;{k] fyad bZuVkbe çk- bafM;k fyfeVsM] 44] dE;wfuVh lsaVj] f}rh; ry] ukjk;.kk vkS|ksfxd {ks=] Qst&1] ubZ fnYyh&28 nwjHkk"k ua- 011&41410592] 41410593 ;k delhi@ dks bZ&esy djsaA

Punjab & Sind Bank

2017-18 13

Note for Non – Individual Shareholders and Custodians

• www. and register themselves as Corporates.

•.

•

•be able to cast their vote.

•

www.psbindia.com and .

com

nd

.

iatkc ,.M fla/ cSad


funs'kd eaMy fjiksVZ 2017&18cSad dk funs'kd eaMy fnukad 31 ekpZ] 2018 dks lekIr o"kZ ds rqyu&i= o ykHk&gkfu [kkrs ds lkFk okf"kZd fjiksVZ dks g"kZ ds lkFk çLrqr djrk gSA

çca/ku fopkj& foe'kZ ,oa fo'ys"k.k

vkfFkZd ifj–';%

foxr o"kZ esa çeq[k lq/kkj fd, x, ftUgksaus y?kq vof/k esa o`f) ij çHkko M+kykA ;|fi] ;g vk'kk dh tk jgh gS fd vkus okys fnuksa esa lq/kkj ds ykHk çkIr gksus yxsaxsA 01 tqykbZ] 2017 dh v)Z&jkf= dks oLrq ,oa lsok dj ¼th-,l-Vh-½ dks ykxw fd;k x;kA lkoZtfud {ks=ds cSadksa dks etcwr cukus ds fy, iqu% iwathdj.k ds lkFk cgq&çrhf{kr tqM+ok rqyu&i= ¼Vh-ch-,l-½ dk çLrko fu.kZ; ds utnhd gSA çeq[k ncko xzLr daifu;ksa dks u, Hkkjrh; nhokyk dksM ds varxZr ykdj uhykeh ds ek/;e ls pwddrkZ daifu;ksa dh uhykeh djuk gSA oSf'od vFkZO;oLFkk] etcwr /kjkry ij pØh; mRFkku dk vuqHko dj jgh gS] vk'kk dh tkrh gS fd vkus okys dqN o"kksaZ rd ;g :[k cuk jgsxk gkykfd fxjkoV dk tksf[ke cuk jgsxkA

iwoZ dh uhfr;ksa ds çHkkoksa ds lekIr gksus rFkk oSf'od mRFkku ds dkj.k fu;kZr esa mBku ds dkj.k] foÙkh; o"kZ 2018&19 esa o`f) dh vk'kk gS vkSj bl o"kZ ds 6-75 ls ;g 7&7-5 gks ldrh gSA foxr~ ,d o"kZ ds 4-9 dh rqyuk esa] foÙkh; o"kZ 2018 esa —f"k esa o`f) FkksM+h de 2-1ij] m|ksx esa 4-4 rFkk lsokvksa esa 8-3 jgh gSA o"kZ 2017&18 esa ns'k esa eqæk LQhfr lk/kkj.k jgh gSA vçSy&fnlEcj 2017&18 ds nkSjku xzkgd ewY; lwpdkad ¼lh-ih-vkbZ-½ vk/kkfjr eqæk LQhfr vkSlru 3-3 jgh gS tksfd foxr N% foÙkh; o"kksaZ esa U;wure gS tc fd Fkksd ewY; lwpdkad ¼MCyw-ih-vkbZ-½ ij vk/kkfjr eqæk LQhfr 2-9 ij jghA ,d vFkZO;oLFkk dk LokLFk ,oa ctV tkuus ds fy, thMhih ds çfr'kr ds :i esa jktdks"kh; ?kkVk ,d egRoiw.kZ rRo gSA foxr pkj o"kksaZ esa ;g yxkrkj uhps x;k gS vFkkZr~ o"kZ 2017&18 esa 3-2 Abldks 2 ls uhps ykus dk y{; gSA pkyw [kkrs dk ?kkVk thMhih dk 1-5 jgus dk vuqeku gS tksfd 3 dh nj ls dkQh de gS tks vFkZO;oLFkk ds fy, vfrlaosnu'khy esa ifjofrZr gks ldrk gSA fons'kh eqæk Hk.Mkj $424 fefy;u gks x, gSaA oSf'od jktuhfrd ifjfLFkfr;ka rFkk dherksa esa mNky foijhr ifjfLFkfr;ksa dks iSnk dj ldrs gSaA

lao`f) vkaf'kd xfr ls j¶rkj idM+ jgh gS D;ksafd foeqæhdj.k ,oa th,lVh dk vLFkk;h çHkko lekIr gks jgk gS vkSj mipkjkRed dne mBk, x, gSaA fu;kZr us xfr idM+h gS vkSj mRiknu {ks= esa o`f) yxHkx 11-3 gSA oSf'od O;kikj esa laHko lq/kkj ds dkj.k Hkkjr ds cká {ks= etcwr jgsaxs ;|fi] MCyw-Vh-vks- dh fpUrk cuh gqbZ gSA

cSad vFkZO;oLFkk dh thou js[kk gSa vkSj vkfFkZd lao`f) dks fØ;k'khy ,oa fujUrjrk cuk, j[kus ds fy, mRçsjd dk dk;Z djrs gSa] fo'ks"kdjfodkl'khy ns'kksa vkSj Hkkjr esa tgk¡ dksbZ fodYi ugha gSA Hkkjrh; cSad fofHkUu çdkj dh leL;kvksa dk lkeuk djrs gSa ftlls mudh ykHkçnrk ,oa LFkkf;Ro çHkkfor gksrh gSA Hkkjrh; cSadksa ds lkeus lcls cM+h tksf[ke vutZd _.kksa esa o`f) gSA foxr dqN o"kksaZ esa vFkZO;oLFkk esa lqLrh ds dkj.k vkfLr xq.koÙkk [kjkc gksrh jgh gS vkSj cSad ljyrk ls /ku ,d= djus esa lQy ugha gks jgs gSa] fo'ks"kdj lkoZtfud{ks= ds cSad ftuds [kjkc _.kksa dk çfr'kr T;knk gSA ;fn cSad viuh iwath tYnh ugha olwy ikrs gSa rks fjtoZ cSad dh iwath dh U;wurevko';drkvksa dks iw.kZ djus esa dqN Hkkjrh; cSad vlQy gks ldrs gSaA

cSad rduhdh fodkl ,oa uoksUes"kh mRikn dk ykHk mBk dj çHkkoksäk vkSj mRikndrk c<+kus ds fy, fujUrj çfrLi/kkZ ds ncko dk lkeuk djrs gSaA bl laca/k esa] cSadksa dks viuh 'kk[kk ds usVodZ dk ykHk mBkrs gq, xSj&cSaddkjh {ks=ksa ds lkFk cSad ds dk;Z djus ls vU; foÙkh; laLFkkuksa ds Åij lQyrk çkIr gksxhA /kjkry ij xzkgd] fo'ks"kdj ,l-,e-bZ- vkSj —f"k esa cM+s O;kolkf;d voljksa dh dqath gks ldrs gSaA laHkkO; xzkgdksa dk cM+k fMthVy MkVk csl] eksckbZy dh vf/kdrk] bZ&d‚elZ rFkk LekVZ Qksu vk/kkfjr lsokvksa ds ç;ksx ls ,l-,e-bZ- dh lk[k ds vkadyu djus dh ykxr dks ?kVk ldrk gS tks cSad gsrq egRoiw.kZ {ks= gSaA cSad rduhd dk mi;ksx vius vkidks vyx n'kkZus rFkk çfrLif/kZ;ksa ij c<+r gkfly djus ds fy, djsxkA

dk;Z&fu"iknu ifj.kke

dqy O;kikj% fnukad 31-03-2017 dks cSad ds #- 145803-25 djksM+ dh rqyuk esa o"kZ 31-03-2018 dh lekfIr ij cSad dk dqy O;kikj #- 171464-95 djksM+ jgkA

ykHk% foÙkh; o"kZ 2016&2017 ds nkSjku #- 201-08 djksM+ ds ykHk dh rqyuk esa cSad us o"kZ 2017&2018 ds nkSjku #- 743-80 djksM+ dh dqy gkfu ntZ dhA o"kZ 2016&17 ds 0-20 dh rqyuk esa vkfLr;ksa ij çfrQy &0-69 jgkA

ykHkka'k% cksMZ us o"kZ 2017&18 gsrq dksbZ ykHkka'k ?kksf"kr ugh fd;k gSA

Punjab & Sind Bank

2017-18

Account for the year ended 31st

requirement set by the RBI.

iatkc ,.M fla/ cSad


iwath ,oa vkjf{kfr;ka% fnukad 31-03-2017 dks cSad dh fuoy ekfy;r #- 5046-39 djksM+ dh rqyuk esa fnukad 31-03-2018 dks #- 4733-96 djksM+ jghA

fnukad 31-03-2018 dks cSad dk iwath i;kZIrrk vuqikr ¼c‚ly III½ 11-25 gS tksfd fu/kkZfjr U;wure iwath i;kZIrrk vuqikr 10-875 ds fo#) gSA

ckWly vuqorhZ vfrfjDr Vh;j ckaM tkjh djuk

o"kZ ds nkSjku] cSad us #- 1000 djksM+ ds c‚ly III vfrfjä vuqorhZ Vh;j I ckaM dks 10-90 okf"kZd ij tkjh fd;k gSA ;g ckaM csfe;knh gSaA

tek,a% cSad dh dqy tek jkf'k;ksa esa 31 ekpZ] 2018 dks #- 101726-17 djksM+ jgh tksfd fnukad 31-03-2017 dks #- 85540-16 djksM+ FkhA cSad dh vkSlr tek ykxr 5-93 jgh tksfd foxr o"kZ 6-73 FkhA

vfxze% fnukad 31-03-2018 dks cS ad ds dqy vfxze #- 69738-78 djksM+ jgs tksfd fnukad 31-03-2017 dks #- 60263-09 djksM+ FksA vfxzeksa ij vkSlr çfrQy 8-80 jgk tksfd foxr o"kZ ds nkSjku 9-73 FkkA

ç/kkuea=h tu&/ku ;kstuk ds varxZr miyfC/k;ka

cSad us 'kk[kkvksa vkSj 351 O;olkf;d çfrfuf/k;ksa ds ek/;e ls iz/kkuea=h tu&/ku ;kstuk ¼ih,etsMhokbZ½ ds 10-78 yk[k [kkrs [kksys vkSj çR;sd [kkrs esa tek #- 5890 dh vkSlr ls #- 635 djksM+ ds dklk@,QMh@vkjMh dh tek,a laxzfgr dhA

foÙkh; o"kZ 2017&18 ds nkSjku] O;olkf;d çfrfuf/k;ksa }kjk yk;k x;k O;olk; yxHkx #- 359 djksM+ Fkk ftlesa ,u-ih-,-@Vh-MCY;w-vks- ds 2180 [kkrksa esa #- 11-83 djksM+ dh dqy jkf'k dh olwyh lfEefyr gSA

cSad us çR;sd frekgh esa 10 vPNk dk;Z djus okys cSad fe=ksa dks #- 1]100@& dk iqjLdkj vkSj ,d ç'kalk i= nsus çfØ;k ykxw dh gSA

ih-,e-ts-Mh-okbZ- esa dqy thjks cSysal [kkrs 1 gSa tksfd m|ksx ds 20 ds fo#) gSaA

fØ;k'khy ih-,e-ts-Mh-okbZ- [kkrksa esa dqy vk/kkj dh çfo"Vh 84 gSA

cSad us foÙkh; lk{kjrk dsaæksa ¼,Q-,y-lh-½ ds lkFk leUo; djrs gq, foÙkh; lekos'ku ds varxZr foÙkh; lk{kjrk QSykus ds mís'; ls xkaoksa esa foÙkh; lk{kjrk dSEiksa dk vk;kstu fd;k tgk¡ ewyHkwr cSad dh lsokvksa ds lkFk ih,etsMhokbZ] ih,etstsokbZ] ih,e,lchokbZ],ihokbZ] vksoj Mªk¶V vkfn foÙkh; ;kstukvksa ds laca/k esa xzkeh.kksa ds lkFk fopkj&foe'kZ fd;k x;k rkfd os viuh viuh vko';drk vuqlkj bu lsokvksa dk ykHk ys ldsA foÙkh; o"kZ 2017&18 ds nkSjku] cSad us dqy 1192 foRrh; lk{kjrk dSaiksa dk lQyrkiwoZd vk;kstu fd;kA

cSad us ih-,e-ts-Mh-okbZ- vksMh dks ,Vh,e@ekbØks ,Vh,e ds ek/;e ls lQyrkiwoZd ykxw fd;k gSA orZeku esa] 70605 vksMh laLoh—r dh xbZ gSaA dqy laLoh—r jkf'k #- 10-86 djksM+ gSA

gekjs ekbØks ,Vh,e vk/kkj lqfo/kk ;qä Hkqxrku ç.kkyh ¼,bZih,l½ vkSj :is fiuiSM l{ke gSa tks xzkeh.k xzkgdksa dks muds ck;kseSfVªd ;k :is MsfcV dkMZ }kjk var% vkSj varj cSad ysu&nsuksa dks djus esa lgk;rk djrs gSaA

cSad us o"kZ 2017&18 ds nkSjku 155 ds y{; ds fo:) 141 vk/kkj iathdj.k dsaæ lQyrkiwoZd [kksys gSaA cSad us Lo;a viuh fdV [kjhnh gSa vkSj cSad dk viuk LVkQ v‚ijsVj@i;Zos{k.k ds :i esa dk;Z dj jgk gSA

foi.ku ,oa chek

cSad us orZeku esa ,y-vkbZ-lh- o ,l-ch-vkbZ thou chek daifu;ksa ds lkFk d‚jiksjsV ,tsalh ds fy, xBca/ku fd;k gS vkSj dqy #- 8-81djksM+ ds O;olk; ds lkFk 3981 i‚fyfl;ka dh gSaA

lksoju xksYM ;kstuk dh 14 Ja[kyk,a lQyrkiwoZd iw.kZ dh xbZ gSa vkSj #- 61-19 yk[k dk deh'ku çkIr fd;k gSA

ubZ igy

bZy‚DVªkfud cSafdax ysu&nsuksa gsrq iath—r xzkgdksa ds fØ;k'khy [kkrksa dks ,l,e,l Þ ß lqfo/kk dks ykxw djrs gq, Ýht djukA

;w-ih-vkbZ-@ih-vks-,l-@vk/kkj&is@Hkkjr&QR dksM ykxw djukA

ih,lch&Hkkjr QR dksM ykxw djukA Hkhe ih,lch midj.k esa Hkkjr QR dksM LdSu ,oa Hkqxrku djus dh dk;Zfof/k ykxw dh xbZ gSA

,Vh,e dkMksaZ dh xzhu fiu dk;Zfof/k ykxw djukA

Punjab & Sind Bank

2017-18

are perpetual in nature.

•

•

•

•

•

•

and OD discussed with the customers/villagers, so that they are able to avail these services as per their requirements. During

•

•their biometrics or Rupay Debit Cards.

•

•done with total Insurance business of Rs. 8.81 crore.

• of successfully handled and Commission of .

•

•••

iatkc ,.M fla/ cSad


#is çh&isM dkMZ dks ykxw djukA

Hkkjr fcy isesUV ç.kkyh ¼chchih,l½¼çh y‚xbu½ dks ykxw djukA

vk¡[kksa ls vU/ks LVkQ dh lgk;rk ds fy, lk¶Vos;j ykxw djukA

cSad us 14 ubZ 'kk[kk,a [kksyh gSa ftuesa ls 50 'kk[kk,a vFkkZr 7 xSj&cSafdax {ks= esa [kksyh x;h gSaA

tkiku ØsfMV C;wjks ¼tslhch½ dk vf/kxzg.k ih,lch ,Vh,e ij ;wfu;u is baVjus'kuy ¼;wihvkbZ½ ds xzkgdksa dh ysu&nsuA

ih,lch ,Vh,e ij vk/kkj bZ&lR;kiu fLFkfr dks n'kkZukA

iqjLdkj ,oa miyfC/k;ka

ekuuh; Jh vtqZu jke es?koky] jkT; ea=h] foÙk ,oa daiuh ekeys us cSad dks lw{e _.k esa ;ksxnku djus ds fy, lhvkbZ,e,l,ebZ mR—"Vrk iqjLdkj 2016&17 çnku fd;kA

Hkkjr ds ,lksf'k,fVM pkSEclZ v‚Q d‚elZ ,.M baMLVªht ¼,lkspkSe½ us cSad dks Þy?kq cSad Js.kh esa —f"k cSafdax ,oa ljdkjh ;kstuk,aß ds fy, ekuuh; Jh f'ko çrki 'kqDyk] foÙk jkT; ea=h] Hkkjr ljdkj us —f"k ,oa ,e,l,ebZ {ks= dh lao`f) esa ;ksxnku ds fy, Þ,lkspkSe lkekftd cSafdax mR—"Vk iqjLdkjß fn;kA

cSad us foÙkh; o"kZ 2017&18 ds nkSjku fnukad 20-04-2017 dks foÙkh; lekos'ku ds varxZr lhvkbZ,e,l,ebZ mR—"Vrk iqjLdkj 2016] vc fnukad 18-01-2018 dks foÙkh; lekos'ku ds'kcqd vokMZ vkSj fnukad 10-03-2018 dks ch-lh- e‚My ij Ld‚p vokMZ thrk gSA

cSad dh twfu;j g‚dh Vhe us ve`rlj esa vk;ksftr baVj d‚yst g‚dh VwukZesaV thrkA

çkFkfedrk {ks= vfxze

fnukad 31-03-2017 dks çkFkfedrk {ks= vfxze #- 24928 djksM+ dh rqyuk esa o"kZ 31-03-2018 dh lekfIr ij # 28685 djksM+ gks x,A

fnukad 31-03-2017 dks cSad ds —f"k vfxze #- 11355 djksM+ dh rqyuk esa o"kZ 31-03-2018 dh lekfIr ij #- 1342 djksM+ dh o`f) ntZ djrs gq, #- 12697 djksM+ gks x,A

cSad dk NksVs vkSj lhekar fdlkuksa dks vfxze #- 6464 djksM+ jgk tksfd vkjchvkbZ ds fu/kkZfjr y{; 8-00 dh rqyuk esa ekpZ] 2017 ds ,uchlh dk 9-76 gSA

cSad us ç/kkuea=h eqæk ;kstuk esa #- 1040 djksM+ ds y{; ds fo#) #- 1009-79 djksM+ dk vfxze çnku fd;k gS tksfd y{; dk 97-09 gSA

fnukad 31-03-2018 rd dslhlh lapkfyr dqy 2-17 yk[k [kkrksa esa ls] cSad us dslhlh ds 2-12 yk[k [kkrksa ¼97-69 ½ esa :is MsfcV dkMZ tkjh fd, gSaA

cSad us iatkc ,oa gfj;k.kk esa foÙkh; lk{kjrk dks QSykus ds fy, Cy‚d Lrj ij 19 foÙkh; lk{kjrk dSai ¼,Q,ylh½ [kksys gSA

o"kZ 31-03-2017 ds var esa xzkeh.k fodkl ea=ky;] Hkkjr ljdkj }kjk rhu esa ls ,d vkj,lbZVhvkbZ tksfd eksxk esa gSa] dks loksZPp xzsM ÂA* fn;k x;k vkSj mldks xzkeh.k csjkstxkj ;qodksa ds çf'k{k.k nsus gsrq ljdkjh vuqnku çkIr djus ds fy, ik= cuk;k gSA

cSad us dsaæh; Hk.Mkj.k fuxe] jk"Vªh; çfrHkwfr çca/ku lsok,a fyfeVsM vkSj çsLVht cYd gSaMfyax fuxe ¼çk½ fyfeVsM ds lkFk —f"k&mRikn ca/kd _.k ;kstuk ds varxZr os;j gkml jlhn ds fo#) foÙk iks"k.k gsrq djkj ij gLrk{kj fd, gSaA

cSad us IysVQ‚eZ ij ,e,l,ebZ ds fcy Hkqukus ds fy, ,evkbZ ,Dlpsat ds lkFk le>kSrk fd;k gSA

[kqnjk _.k

fnukad 31-03-2018 dks cSad dk [kqnjk _.k lafoHkkx #- 14894-90 djksM+ gS vkSj bl çdkj [kqnjk _.k foHkkx us foxr o"kZ ij 13-48 dh O;kolkf;d o`f) ntZ dh gSA

fnukad 31-03-2018 dks ldy vfxze dh rqyuk esa [kqnjk _.k dk çfr'kr 21-33 gSA

[kqnjk _.k ds varxZr mRiknksa dks vf/kd vkd"kZd rFkk çfrLi/khZ cukus ds fy, çLrkoksa dks mnkj rFkk vkSfpR;iw.kZ cuk;k gSA foÙkh; o"kZ ds nkSjku] rhu u, mRikn vFkkZr~ ih,lch ca/kd _.k] ih,lch O;kikj _.k vkSj ih,lch ,l,ebZ rjyrk Iyl dk 'kqHkkjEHk fd;k x;kA

cSad us lHkh vapyksa esa m/kkj dh xq.koÙkk esa lq/kkj djus ds fy, cká lrdZrk vfHkdj.kksa dk iathdj.k fd;k gSA

Punjab & Sind Bank

2017-18

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•31.03.2018.

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iatkc ,.M fla/ cSad


vkfLr xq.koÙkk

cSad ds vutZd vkfLr;ksa ij fu;a=.k ds fy, ç;kl tkjh jgs gSa rFkk fof/kd lk/kuksa ,oa ckrphr ij vk/kkfjr le>kSrksa lfgr olwyh dslHkh miyC/k lk/kuksa dk ç;ksx fd;k gSA ÞçfrHkwfrdj.k vkSj foÙkh; vkfLr;ksa dk iquxZBu vkSj çfrHkwfr fgr vf/kfu;e&2002ß ds çko/kkuksadks çHkkoh <ax ls mi;ksx fd;k x;kA cSad us o"kZ ds nkSjku fofHkUu dsaæksa ij olwyh dSai vk;ksftr fd,A

o"kZ ds nkSjku xSj&fu"ikfnr [kkrksa esa cSad dh olwyh vkSfpR;iw.kZ jgh gSA olwyh ds fy, fd, x, vFkd rFkk dsfUær ç;klksa ds QyLo:i#- 66-93 djksM+ dh rduhdh cêk [kkrksa esa olwyh lfgr dqy #- 806-05 djksM+ dh olwyh dh tk ldhA

cSad us u, xSj fu"ikfnr [kkrksa esa c<+ksÙkjh dks jksdus esa gj laHko ç;kl fd,A ifj.kkeLo:i dqy rFkk fuoy ,uih, fnukad 31-03-2017ds #- 6297-59 djksM+ rFkk #- 4375-08 djksM dh rqyuk esa fnukad 31-03-2018 dks Øe'k% #- 7801-65 djksM+ rFkk #- 4607-87 djksM+ jgsA

31-03-2018 dks xSj&fu"ikfnr vkfLr;ksa dh ldy ,oa fuoy fLFkfr vFkkZr~ fiNys o"kZ dh rqyuk esa fuEukuqlkj gS &

¼jkf'k djksM+ esa½

,uih, 31-03-2017 dh fLFkfr vuqlkj 31-03-2018 dh fLFkfr vuqlkjldy 6297-59 10-45 7801-65 11-19fuoy 4375-08 7-51 4607-87 6-93

fnukad 31-03-2018 dks cSad dk çko/kku lqj{kk vuqikr ¼rduhdh cêk [kkrksa lfgr½ 54-41 jgkA

_.k fuxjkuh

cSad us _.k ,Dlikstjksa okys mPp ewY; [kkrksa dh çHkko'kkyh fuxjkuh rFkk u;h pwd fxjkoV ij fu;a=.k j[kus ds fy, #- 25 yk[k ls vf/kd ç/kku dk;kZy; Lrj ij rFkk #- 25 yk[k rd ds _.kksa dh fuxjkuh gsrq vkapfyd dk;kZy; Lrj ij vyx ls fu;a=.k d{k dh LFkkiuk dh gSA bu fujh{k.k d{kksa us vapyksa rFkk 'kk[kkvksa ds lkFk fujUrj vk/kkj ij cM+s Lrj ij u, ,uih, cuus ls jksdus dks lqfuf'prdjus gsrq utnhdh vuqorhZ dkjZokbZ dh gSA vkjchvkbZ rFkk ea=ky; ds fn'kk&funsZ'kksa ds vuqlkj ik= ekeyksa dh iqujlajpuk dh tk jghgS ftlesa nckoxzLr vkfLr;ksa gsrq la'kksf/kr ÝseodZ dk çLrko gSA

foHkkx us vU; vfHkdj.kksa tSls ,Dlihfj;u ds lkFk xBca/ku fd;k gS vkSj vko';d rRijrk c<+kus ds fy, flfcy ds vU; mRikn tSls bZ&iq"Vhdj.k dks ukekafdr fd;k gSA fu;a=.k ç.kkyh ds rkSj ij] foHkkx }kjk dbZ dk;Z&fof/k;ksa dk fodkl fd;k x;k gS rkfd Lopkyu ls lwpuk çnku djus@jktLo dh gkfu ij jksd yxkus esa ljyrk gksA

fuos'k çca/ku rFkk fons'kh fofue;

31-03-2018 dks cSad dh d‚jiksjsV {ks= dh vko';drk] tksf[ke laxzg ,oa fuos'k uhfr ds vuq:i fuos'k&lwph ljapuk lfgr cSad dkldy fuos'k #- 33150-03 djksM+ FkkA

cSad us bl o"kZ ljdkjh çfrHkwfr;ksa rFkk xSj lkafof/kd pyfuf/k vuqikr çfrHkwfr esa VªsfMax xfrfof/k;ksa ls vc rd dk lcls mPpre ykHk vftZr fd;k tksfd ekpZ] 2017 dks lekIr o"kZ ds #- 261-97 ls 1-8 c<dj 31-03-2018 dks #- 266-82 djksM+ gks x;k gSA

fons'kh fofue; foHkkx dk dqy ykHk #- 34-08 djksM+ gS vkSj o"kZ 2017&18 gsrq Mhfyax d{k dk fofue; ykHk #- 19-68 djksM+ gSA

foHkkx us ,d fons'kh fofue; ekdsZfVax Vhe cukbZ gS tks fu;fer :i ls orZeku ,oa Hkkoh xzkgdksa ds ikl cSad dh fons'kh fofue; O;olk; esa o`f) djus ds fy, tkrh gSA

tksf[ke çca/ku% cS ad us ;g lqfuf'pr djus ds fy, fd mlds tksf[ke] ifjHkkf"kr tksf[ke {kerk ds Hkhrj gSa vkSj mudh i;kZIr :i l s fuxjkuh dh tkrh gS] ds fy, ,d lq–<+ ,dh—r tksf[ke çca/ku ç.kkyh dks dk;Z:i fn;k gSA cSad ds f'k[kj Lrj ds çca/ku rFkk cksMZ ds vf/kdkjksa esa çHkkoh tksf[ke çca/ku rFkk cSad dh tksf[ke ço`fÙk dks ykxw djus dk laiw.kZ nkf;Ro gSAegkçca/kd dh v/;{krk esa ç-dk- tksf[ke çca/ku foHkkx ¼vkj-,e-Mh-½ }kjk cSad esa ,dh—r tksf[ke çca/ku ç.kkyh ykxw dh tkrh gSA

tksf[ke çca/ku ds dk;Z tksf[ke çca/ku lfefr ¼vkj-,e-lh-½ & cksMZ Lrj dh lfefr }kjk fd, tkrs gSaA ØsfMV tksf[ke çca/ku lfefr ¼lh-vkj-,e-lh-½] vkfLr ,oa ns;rk,a çca/ku lfefr ¼,ydks½] ifjpkyu tksf[ke çca/ku lfefr ¼vks-vkj-,e-lh-½] cktkj tksf[ke çca/ku lfefr ¼,e-vkj-,e-lh-½] vkSj vkbZlh,,ih ds vuqlkj iwath vk;kstuk lfefr tSlh vU; lfefr;ka gSaA

Punjab & Sind Bank

2017-18 21

Gross Net

Stressed Assets.

•

•

•

•

ICAAP.

iatkc ,.M fla/ cSad


uhfr&ra=% cSad ds le{k tksf[keksa dk ekiu] çca/ku ,oa fu;a=.k djus ds fy, funs'kd eaMy }kjk vuqeksfnr uhfr;ka rFkk dk;Zfof/k;ka gSaA vU; egRoaiw.kZ tksf[ke uhfr;ksa esa ,dh—r tksf[ke çca/ku uhfr] vkfLr ns;rk çca/ku ¼,,y,e½ uhfr] _.k tksf[ke çca/ku uhfr] cktkj _.kçca/ku uhfr] ifjpkyuxr tksf[ke çca/ku ¼vksvkj,e½ uhfr] O;olk; fujarjrk ;kstuk ¼chlhih½ o vkink m)kj çca/ku ¼Mhvkj,e½ uhfr] LVªsol VsfLVax uhfr] _.k tksf[ke de djus laca/kh rduhdksa dh ç;ksx uhfr rFkk laikf'kZ~od çca/ku] vkbZlh,,ih uhfr] ,dh—r tksf[keçca/ku uhfr] baVªk xzqi ysu&nsuksa ,oa tksf[ke ds çca/ku rFkk y‚l MkVk çca/ku ÝseodZ ij uhfr A

cSad dk c‚ly& ds lkFk vuqikyu% Hkkjrh; fjtoZ cSad ds fofu;ked fn'kk&funsZ'kksa ds vuqlkj cSad us 31-03-2009 dh çHkkoh frfFk ls u, iwath i;kZIrrk ÝseodZ dks viuk;k gSA c‚ly&II ds vk/kkj ij cSad us iwath çHkkj dh lax.kuk ds fy, _.k tksf[ke gsrq ekud –f"Vdks.k] cktkj tksf[ke gsrq :ikarfjr vof/k –f"Vdks.k rFkk ifjpkyuxr tksf[ke gsrq ewy ladsrd –f"Vdks.k dks viuk;k gSA cSad us c‚ly&IIIds fn'kk&funsZ'kksa dks dk;kZfUor fd;k gS vkSj lhvkj,vkj dh lax.kuk 'kq# dh gS tks twu] 2013 ls çHkkoh gSA cSad ds funs'kd eaMy}kjk lhvkj,vkj dh frekgh vk/kkj ij leh{kk dh tkrh gSA cSad Hkkjrh; fjtoZ cSad ds funsZ'kkuqlkj c‚ly&II ds varxZr mUujr –f"Vdks.k dh vksj vxzlj gksus ds fy, rS;kj gSA c‚ly&II ds mUukr –f"Vdks.k dh vksj vxzlj gksus rFkk c‚ly&III ds fn'kk&funsZ'kksa ds dk;kZUo;ugsrq cSad esa foLr`r ladyu tksf[ke çca/ku m|e çfØ;k ¼bZvkbZvkj,e,l½ dh LFkkiuk gsrq ,d ijke'kZnkrk dh fu;qfä dh xbZ gSA

vkbZ-lh-,-,-ih- uhfr% c‚ly&II o c‚ly&III & LraHk 2& i;Zos{k.kh; leh{kk ,oa ewY;kadu çfØ;k ¼,lvkjbZih½ fo"k;d] Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa ds vuqikyu esa ;g lqfuf'pr djus ds fy, fd iwath vko';drk dk ewY;kakdu] cSad ds vkdkj] tfVyrk dk Lrj] tksf[ke çksQkby rFkk lapkyu dh ifjf/k ds vuq:i gS] vkarfjd iwath i;kZIrdrk ewY;kadu çfØ;k ¼vkbZlh,,ih½ uhfr rS;kj dh xbZ gSA fofHkUu vof'k"V tksf[keksa dk fu/kkZj.k fd;k tkrk gS rFkk tgk¡ visf{kr gks ogk¡ vfrfjDr iw¡th miyC/k djkbZ tkrh gSA vkbZlh,,ihifj.kke frekgh vk/kkj ij rS;kj fd;k tkrk gS rFkk tksf[ke çc/ku lfefr ¼vkj,elh½ }kjk bldh leh{kk dh tkrh gSA

çdVhdj.k% c‚ly&II o c‚ly&III] LraHk&3 ^cktkj vuq'kklu* fo"k;d] Hkkjrh; fjtoZ cSad ds ekxZn'khZ funsZ'kksa ds vuqikyu esa cSad ds funs'kd&eaMy }kjk fof/kor~ vuqeksfnr çdVhdj.k uhfr ykxw dh xbZ gS vkSj bl uhfr ds vuqlkj frekgh@Nekgh@okf"kZd vk/kkj ij bUgsa~ cSad dh osclkbV@okf"kZd fjiksVZ esa çnf'kZr fd;k tkrk gSA

_.k tksf[ke% _.k&tksf[ke çca/ku çfØ;kvksa esa bldh igpku] vkdkj] _.k&dkjksckj ij fuxjkuh o fu;a=.k 'kkfey gSaA _.k&tksf[ke çca/ku lfefr ¼lhvkj,elh½ }kjk _.k&tksf[ke rFkk uhfr&fuekZ.k dk çca/ku fd;k tkrk gSA blds }kjk m|ksx] d‚iksZjsV] [kqnjk rFkk O;fä@lewg _.kdrkZvksa dh foosdiw.kZ lhekvksa dh fuxjkuh fu;fer :i ls dh tkrh gSA

d‚iksZjsV tksf[ke ds fy, _.k jsfVax tksf[ke e‚My vkSj ,uch,Qlh _.k tksf[ke] fj;y LVsV ,oa [kqnjk _.k tksf[ke] [kqnjk _.kksa ds fy, tksf[ke fu/kkZj.k ls lacaf/kr _.kksa dk ewY;kadu rFkk _.k jsfVax] ,oa m|ksxksa@iksVZQksfy;ks dk v/;;u ,oa fo'ys"k.k ds fy, vkSj _.k jsfVax ds mRçoklksa ds fy, ,d O;kid _.k jsfVax ÝseodZ cuk;k x;k gSA

cktkj tksf[ke% cSad dk iksVZQksfy;ks C;kt&njksa rFkk eqæk&njksa esa ifjorZu ds QyLo:i cktkj tksf[ke ls çHkkfor gksrk gSA

vkfLr ns;rk çca/ku lfefr ¼,-,y-lh-vks-½ cktkj tksf[ke ls lacaf/kr dke&dkt dh fuxjkuh djrh gSA cSad us fofHkUu cktkj tksf[ke ekiu&ç.kkyh o lk/kuksa dks ykxw fd;k gSA fofHkUu ifjlhekvksa dk dM+k vuqikyu rFkk mYya~?kuksa esa o`f)] ;fn dksbZ gks] dk mfpr vuqlj.kfd;k tkrk gSA blds vfrfjä ,d e/;LFk dk;kZy; Hkh LFkkfir gSA

rjyrk çca/ku ra= lqLFkkfir gS tksfd cSad ds leLr Hkqxrku nkf;Roksa dks ns; gksus ij iwjk djus ds lkeF;Z dks lajf{kr djrk gSA ;gcSad dh rjyrk tksf[ke dks igpkuus] ekius rFkk lapkyu djus ds fy, cuk;k x;k gSA

cSad] fofu;ked fn'kk&funsZ'kksa ds vuqlkj :ikarfjr vof/k i)fr dk mi;ksx djds ekudh—r –f"Vdks.k ds vuqlkj cktkj tksf[ke çHkkj dh lax.kuk djrk gSA cSad vius fons'kh fofue; iksVZQksfy;ks ij Hkh tksf[ke ewY; ¼oh,vkj½ dh x.kuk djrk gSA

ifjpkyuxr tksf[ke% ifjpkyuxr tksf[ke çca/ku lfefr ¼vksvkj,elh½ ifjpkyuksa ls tqM+s tksf[keksa ls lacaf/kr ekeyksa ij fuxjkuh j[krh gS vkSj vkdfLed@vfuok;Z fLFkfr;ksa esa O;olk; dh lrr@iqu% LFkkiuk lqfuf'pr djrh gSA orZeku esa ifjpkyuxr tksf[ke laca/kh iw¡th çHkkj ewy ladsrd –f"Vdks.k ds vuqlkj laxf.kr fd;k tkrk gSA cSad ifjpkyuxr tksf[ke dh lajpuk dks etcwr djus dh fn'kk esa dk;Z dj jgk gS rkfd ifjpkyuxr _.k tksf[ke ¼vksvkj,e½ ç.kkyh ifjpkyuxr tksf[ke iw¡th dh x.kuk ds mUur –f"Vdks.k dh vksj vxzlj gksus esa leFkZ gks ldsA cSad ds ikl y‚l MkVk çca/ku djus ds fy, cksMZ vuqeksfnr y‚l MkVk çca/ku ÝseodZ gS rkfd cSad dh lEiw.kZ ifjpkyu tksf[ke çca/ku uhfr¼vksvkj,e½ dks ykxw djus esa çca/ku gsrq U;wure ekud LFkkfir fd, tk lds vkSj foLr`r rFkk etcwr ifjpkyu y‚l MkVkcsl dks cuk;k tk ldsA

Punjab & Sind Bank

2017-18 23

Supervisory Review and

has put in place a Disclosure Policy duly approved by the Board and the disclosures on quarterly / Half yearly / Annual basis, as per

iatkc ,.M fla/ cSad


ekuo lalk/ku çca/ku

31-03-2018 dks laoxZ okj LVkkQ dh la[;k fuEukkuqlkj jgh%

Js.kh 31 ekpZ 2017 31 ekpZ 2018vf/kdkjh 6663 6545fyfid 2241 2346v/khuLFk LVkQ 496 429dqy 9400 9320

jkstxkj esa efgyk,a% 31-03-2018 dks gekjs dqy 9320 LVkrQ lnL;ksai esa ls 2570 efgyk,a gSa tks dqy ;ksx dk 27-58 curh gSaA

efgyk dkfeZdksa gsrq fojke vodk'k ;kstuk% cSad dh efgyk dkfeZdksa gsrq lgk;d dk;Z djus dk ifjos'k cukus rFkk dSfj;j esa ljyrk ds lkFk çxfr djus ds fy,] cSad ds cksMZ us cS ad dh lHkh LFkk;h iw.kZdkyhu efgyk dkfeZdksa ds fy, muds laiw.kZ dSfj;j esa 2 o"kZ ds fojke vodk'k ;kstuk dk vuqeksnu fd;k gSA

efgyk l'kfädj.k% cSad us viuh efgyk dkfeZdksa l'kä cukus vkSj muds dSfj;j esa o`f) djus gsrq fo'ks"k dne mBk, gSaA ç/kku dk;kZy; esa fLFkr ç-dk- ekuo lalk/ku efgyk d{k cSad esa efgyk dkfeZdksa ls çkIr QhMcSd@lq>koksa] vuqjks/kksa rFkk f'kdk;rksa@f'kdk;rh i=ksa ij rqjar fuokj.k ds fy, dkjZokbZ djrk gS vkSj cSad dh lHkh efgyk dkfeZdksa ds dY;k.k dh ns[kHkky djrk gSA 08 ekpZ] 2018 dks] varjkZ"Vªh;efgyk fnol ds volj ij] ekuuh; dk;Zdkjh funs'kdksa us efgyk dkfeZdksa dks lacksf/kr fd;k vkSj vxzlj gksus gsrq çksRlkfgr fd;kA

inksfUufr;ka% cSad o"kZ nj o"kZ yxHkx lHkh Jsf.k;ksa ds LVkQ lnL;ksa dks vPNk dke ¼ ½ djus okyksa dks iqjLdkj ds :i esa rFkk mUgsa vkSj ftEesokj inksa dks laHkkyus ds mís'; ls inksUur fu;fer :i ls djrk jgrk gSA o"kZ ds nkSjku fuEu inksUufr;ka dh xbZ gSa%&

lsinksUufr;ka

miegkçca/kd ls egkçca/kd

lgk-egkçca/kd ls mi egkçca/kd

eq[; çca/kd ls lgk-

egkçca/kd

ofj- çca/kd ls

eq[; çca/kd

çca/kdls

ofj- çca/kd

vf/kdkjhls

çca/kd

fyfid ls vf/kdkjh

v/khuLFkls

fyfid

;ksx

lkekU; 1 & 3 16 26 304 233 & 583

fo'ks"kK & 1 & 2 36 23 & & 62

;ksx 1 1 3 18 62 327 233 & 645

çf'k{k.k vkSj ekuo lalk/ku fodkl% çf'k{k.k ekuo lalk/ku fodkl dk ,d varjax fgLlk gSA cSafdax m|ksx ds orZeku çfrLi/khZ ifjos'k esa] LVkQ dks rduhd esa uohure fodkl] ç.kkyh] çfØ;k vkSj dkuwuh igyqvksa vkfn ls #c: djkuk vf/kd egRoiw.kZ gSA

vkd"kZd laLFkkxr laL—fr dk fuekZ.k djus esa çf'k{k.k ,oa fodkl egRoiw.kZ dne gSa ftlesa dkfeZdksa dks csgrj djus ds fy, mRlkfgr ,oa çksRlkfgr fd;k tkrk gSA blls dkfeZdksa dh {kerk dk fuekZ.k gksrk gS vkSj fofHkUu {ks=ksa esa xzkgdksa dh cnyrh O;kolkf;d vko';drkvksa dks iw.kZ djus gsrq Kku ,oa dkS'ky çkIr gksrk gSA cSad }kjk çf'k{k.k dk;ZØeksa dk y{; ubZ HkfrZ;ksa dks ,dh—r dj vkSj muds dkS'ky] Kku esa o`f) djrs gq,] orZeku dkfeZdksa dh laLFkkxr y{;ksa ds çfr lksp esa ifjorZu djuk rkfd cSad dks ns'k dk rduhdh ,oa lsok ds çfr lefiZr cSad cuk;k tk ldsA

cSad esa HkrhZ gq, u, ifjoh{kk/khu vf/kdkfj;ksa dks fofHkUu {ks=ksa esa tSls vfHkeq[krk çf'k{k.k] 'kk[kk Lrj ij vfxzeksa gsrq çf'k{k.k] _.k çca/ku ij çf'k{k.k dk;ZØe] _.k ewY;kadu] ,u-ih-,- çca/ku vkSj ,uih, dh olwyh ij çf'k{k.k miyC/k djk, x,A

cSad us LVkQ lnL;ksa ds muds is'kkxr dkS'ky dks fujarj fodflr djus ds fy, vkbZvkbZch,Q }kjk çLrkfor 19 çekf.kr ,oa fMIyksek ikBîØeksa ds lEiw.kZ ikBîØe 'kqYd dks çksRlkgu jkf'k ds :i esa çfriwrhZ dh gSA cSad us ts,vkbZvkbZch ,oa lh,vkbZvkbZch ds bZ&yfuZxikBîØe ds fy, vkbZvkbZch,Q ls djkj Hkh fd;k gS ftldks baVªkusV ij Þ,pvkjMh igy% bZ&yfuaZxß ds 'kh"kZ ds varxZr j[kk x;k gSA

cSadksa esa {kerk fodkl% Hkkjrh; fjtoZ cSad dh Þ{kerk fodkl ij lfefrß dh vuq'kalkvksa dk vuqikyu% Hkkjrh; fjtoZ cSad dh Þ{kerk fodkl ij lfefrß ds fn'kk&funsZ'kksa ds vuqikyu esa] cSad us fo'ks"kK {ks= esa dk;Z dj jgs LVkQ tSls VªStjh ifjpkyu] tksf[ke çca/ku] ys[kkadu] _.k çca/ku ds fy, mä dks vfuok;Z fd;k gSA cSad mu LVkQ lnL;ksa dh fu;qfä ij fopkj djsxk ftUgksus lacaf/kr fo'ks"kK foHkkxksa@ç/kku dk;kZy; dh MSLdksa esa vko';d çek.khdj.k çkIr dj fy;k gSA cSad mudks dkslZ Qhl ¼th-,l-Vh- NksM+dj½ dk vf/kdre ,deq'r #- 15]000@& dsoy ,d dkslZ ds fy, çfriwrhZ djsxk ftUgksus cSadksa esa {kerk fodkl ds varxZr fu/kkZfjr çek.khdj.k çkIr dj fy;k gSA

foÙk ea=ky; ds fn'kkfunsZ'kksa ds ifjis{; esa cSad us leLr vius dk;kZy;ksa@'kk[kkvksa esa fu;qä lHkh dkfeZdksa dks vYikof/k esa ,d gh le; esa çf'k{k.k çnku djus ds fy, fofo/k oscu‚j dk vk;kstu djrk gSA

Punjab & Sind Bank

2017-18

st st

6663 6545

496

of the total strength.

3Specialist 36

3 645

system and procedures, legal aspects etc.

management.

iatkc ,.M fla/ cSad


o"kZ 2017&18 ds nkSjku] cSad vius 50 LVkQ dks çf'k{k.k çnku djus dk ç;Ru djrk gSA bl –f"Vdks.k ls] lh-ch-vkj-Vh-] p.Mhx<+] fuCld‚e] uks,Mk] ,l-Vh-lh-] fnYyh esa lkekU; cSafdax ,oa daI;wVj Kku esa 400 dk;ZØe vk;ksftr fd, x,A 01 vçSy] 2017 ls 31 ekpZ] 2018 rd vkapfyd dk;kZy; Lrj ij fofHkUu {ks=ksa esa LFkkuh; çf'k{k.k vk;ksftr fd, x, ftuesa fofHkUu oxksaZ ds 7601 dkfeZdksa dks çf'k{k.k fn;k x;kA 'kh"kZ Lrj ij 115 deZpkfj;ksa dks çf'k{k.k fn;k x;kA

fuCld‚e] uks,Mk ,oa ,l-Vh-lh-] fnYyh esa u, inksUur ofj"B çca/kdksa] çca/kdksa ,oa vf/kdkfj;ksa gsrq çca/ku fodkl dk;ZØe vk;ksftr fd, x,A

çR;{k HkrhZ% foÙkh; o"kZ 2017&18 ds nkSjku] rsth ls 'kk[kkvksa dk foLrkj] fujUrj O;kolk; esa o`f) vkSj lsokfuo`fÙk dh pqukSfr;ksa ls fuiVusds fy,] cSad us HkrhZ vkjEHk dhA cSad dh fofHkUu ekuo 'kfä dh vko';drk dh iwrhZ ds fy, nksuks fo'ks"kK ,oa ijhoh{kk/khu vf/kdkfj;ksadh HkrhZ dh xbZA o"kZ 2017&18 ds nkSjku] 3 jktHkk"kk vf/kdkjh] 1 vkbZVh vf/kdkjh vkSj osrueku&1 esa 134 ijhoh{kk/khu vf/kdkjh rFkkfyfidh; oxZ esa 445 ,dy foaMks ifjpkyd&A us cSad esa dk;Zxzg.k fd;kA

vkS|ksfxd laca/k% cSad esa laiw.kZ o"kZ ds nkSjku vkS|ksfxd laca/k lkSgknZiw.kZ jgsA dkexkj ,oa vf/kdkjh ;wfu;uksa ds çfrfuf/k;ksa us fodkl rFkkvU; fo"k;ksa ij çca/ku ds lkFk fofHkUu Lrjksa ij fopkj&foe'kZ esa lgHkkfxrk dh vkSj mudks lqy>kus ds ç;kl fd, x,A LVkQ lnL;ksa }kjk mBk, x, ifjoknksa ds fuokj.k ds fy, foÙka ea=ky; ls çkIr fn'kk funsZ'kksa ds vuqlkj ifjokn fuokj.k lfefr dk xBu Hkh fd;k x;kgSA cSad fgrksa dks lqj{kk çnku djus gsrq fofHkUu vnkyrksa@VªhC;wuyksa esa yafcr lsok ls lacaf/kr ekeyksa dh mfpr fuxjkuh Hkh dh xbZA

vkjf{kr Js.kh ds dkfeZdksa dks jkstxkj% cSad lekt ds vU; fiNM+s oxksaZ rFkk vuqlwfpr tkfr] tutkfr lacaf/kr O;fä;ksa ds fgr ,oa fodkl ds çfr lkafo/kkfud lqj{kk rFkk lkekftd y{; ds çfr cpuc) gSA cSad HkrhZ esa inksa ds vkj{k.k ds ekeyksa esa vkj{k.k uhfr esa Hkkjr ljdkj }kjk fu/kkZfjr lHkh fn'kk&funsZ'kksa dk ikyu djrk gSA

cSad esa vuqlwfpr tkfr@tutkfr ds dkfeZdksa ds vkj{k.k ,oa vU; çko/kkuksa dh fuxjkuh djus gsrq ,d fo'ks"k ,llh@,lVh d{k dh LFkkiuk dh xbZ gSA cSad ds ,llh@,lVh dkfeZdksa dh lHkh lacaf/kr ekeyksa esa f'kdk;r fuokj.k ds fy, rFkk fofHkUu fn'kk&funsZ'kksa ds vuqikyu dks lqfuf'pr djus ds fy, ,d dk;Zdkjh tksfd egkçca/kd dh jSad dk gS] dks inukfer fd;k x;k gSA

fnukad 31-03-2018 dks vuqlwfpr tkfr@tutkfr ds dkfeZdksa dh Øe'k% la[;k 1884 vkSj 595 gSA fofHkUu vkjf{kr Jsf.k;ksa ds dkfeZd la[;k fuEu gS%

Js.kh vuq-tkfr vuq tutkfr vU;t fiNM+k oxZ HkwriwoZ lsokdehZ fnO;kaxvf/kdkjh 1176 498 1373 59 144fyfid 557 81 563 167 35v/khuLFk LVkQ 151 16 28 42 9dqy 1884 595 1964 268 188

e`rd deZpkfj;ksa ds vkfJrksa dks vuqdaik ds vk/kkj ij fu;qfä;ka rFkk vkfFkZd lgk;rk

gekjs cSad esa dkfeZdksa ds lsokdky ds nkSjku nqHkkZX;iw.kZ e`R;q ij vuqdEik ds vk/kkj ij ukSdjh çnku djus vFkok e`rd deZpkfj;ksa ds ik= vkfJrksa dks ;kstuk ds varxZr vuqdaik ds vk/kkj ij ukSdjh çnku djus ds LFkkiu ij vuqxzg jkf'k dk Hkqxrku djus dh ;kstuk gSAfoÙkh; o"kZ 2017&18 ds nkSjku] cSad us ik= ekeyksa esa e`rd deZpkjh ds vkfJrksa dks foÙkh; lgk;rk ds :i esa #- 4-06 yk[k dk dqyHkqxrku fd;k gSA

dkfeZd dY;k.k% cSad ds dkfeZdksa dks fodkl'khy xfrfof/k;ksa esa çHkkoh lgHkkfxrk djus gsrq mRlkfgr ,oa çksRlkfgr djus ds fy,] osyQs;j VªLV LVkQ ds fy, fofHkUu dY;k.kdkjh ;kstukvksa dks pyk jgk gSA

cSad dh vksj ls cSad ds lHkh dkfeZdksa dks muds tUe fnu ij Le`fr fpà@igpku dk çrhd

,d laLFkk dh lQyrk vkSj o`f) esa dkfeZd dh lgHkkfxrk egRoiw.kZ Hkwfedk vnk djrh gSA dkfeZd dh lgHkkfxrk ds fofHkUu vk;keksa esa,d] mldh igpku gSA igpku ls ,d O;fä ds lkFk&lkFk iwjh Vhe dks ,d lans'k tkrk gSA cSad dk iDdk er gS fd ,d lgHkkfxrk djus okyk dkfeZd mPp dk;Zfu"iknu djrk gS vkSj mlds dke esa yxko vkSj #fp tkx`r gksrh gSA rnkuqlkj] dkfeZdksa dks çksRlkfgr djusds –f"Vdks.k vkSj xqMfoy Hkkouk fn[kkrs gq,] cSad us cksMZ ds vuqeksnu ds lkFk dkfeZdksa dh lgHkkfxrk ds çfr ,d ;kstuk vkjEHk dh gSA cSad us cksMZ ds vuqeksnu ds lkFk cS ad dh vksj ls cS ad ds lHkh ,oa çR; sd dkfeZd] pkgs fdlh Hkh oxZ ls lacaf/kr gks] dks muds tUe fnu ij #- 200 ¼vf/kdre lhek½ dk Le`fr fpà@igpku dk çrhd nsus dh ;kstuk 'kq# dh gSA

Punjab & Sind Bank

2017-18

st st

SC OBC

8128

595

.

engagement is

of his/her cadre on his/her Birthday.

iatkc ,.M fla/ cSad


,l-,e-th-,l-& ,oa mlls Åij ds vf/kdkfj;ksa dks lsokfuo`fÙk Vksdu jkf'k dh ek=k esa o`f) rFkk lsokfuo`fÙk ij lHkh dkfeZdksa dks lsokfuo`Ùk çrhd fpà@VªkQh çnku djuk% cSad ds fu"Bkokuksa dks lEekfur djus ftUgksaus cSad dh o`f) gsrq vFkd ifjJe djrs gq, viuh in dh xfjek ds lkFk nkf;Roksa dk fuokZgu djus ij cksMZ us ,l-,e-th-,l-& ,oa mlls Åij ds vf/kdkfj;ksa dks lsokfuo`fÙk Vksdu jkf'k dh ek=k esa o`f) dh gSA vkxs] ,d dne vkSj] lsokfuo`fÙk ij lHkh dkfeZdksa dks vf/kdre #- 2]000@& rd dk iatkc ,.M fla/k cSad dk esVkfyd çrhd fpà@VªkQh@cSt çnku djus dk vuqeksnu fd;k x;k] pkgs os fdlh Hkh dSMj ls lacaf/kr gksaA;g VªkQh v/;{k ,oa çca/k funs'kd rFkk dk;Zdkjh fun'kdksa dks Hkh çnku dh tk,xhA

lwpuk çkS|ksfxdh

xzkgdksa dks ftuds xyr ç;klksa ds dkj.k baVjusV cSafdax vuqiyC/k gks xbZ Fkh] Þbuscy@baVjusV cSafdax ,fDVosVß dh dk;Zç.kkyh miyC/k djk nh xbZ gSA

bZ&dsokbZlh otZu 2-1 ykxw dj fn;k x;k gSA

eqæk [kkrksa ds fy, baVjusV cSafdax vkjEHk dj nh xbZ gSA

xzkgdksa gsrq dS'k ØSfMV [kkrs esa ,u-bZ-,Q-Vh-@vkj-Vh-th-,l- lqfo/kk 'kq# dj nh xbZ gSA

vkarfjd fu;a=.k

cSad esa çR; sd Lrj ij lqifjHkkf"kr nkf;Roksa ds lkFk vkarfjd fu;a=.k dh ç.kkyh gSA ;g vkarfjd ys[kk ijh{k.k fujh{k.k ,oa ys[kk ijh{kk foHkkx ds ek/;e ls ifjpkfyr djrh gSA dk;Zdkfj;ksa dh ys[kk ijh{kk lfefr] tksfd çFke Lrjh; lfefr gS] fujh{k.k vkSj ys[kk ijh{k.k dk;Z ns[krh gSA

fujh{k.k ,oa ys[kk ijh{k.k ç.kkyh igpku] fu;a=.k çca/ku tksf[keksa dh vkarfjd ys[kk ijh{k.k ds ek/;e ls egRoiw.kZ Hkwfedk vnk djrkgSA cSad ys[kk ijh{k.k djrk gS tSls tksf[ke vk/kkfjr vkarfjd ys[kk ijh{k.k ¼vkjchvkbZ,½] leorhZ ys[kk ijh{k.k ¼lhlh,½ vkbZ,l ys[kk ijh{k.k] çca/ku ys[kk ijh{k.k vkSj fujh{k.k ¼,e,vkbZ½ vkSj _.k ys[kk ijh{k.k ftlds }kjk vkarfjd ys[kk ijh{k.k ds fofHkUu igyqvksa dh vko';drkvksa dks doj fd;k tkrk gSA cSad dh O;olkf;d bZdkb;ka@dk;kZy; tksf[ke vk/kkfjr vkarfjd ys[kk ijh{k.k ¼vkjchvkbZ,½] leorhZ ys[kk ijh{k.k ¼lhlh,½ vkbZ,l ys[kk ijh{k.k ds v/khu gS vkSj çc a/ku ys[kk ijh{k.k ,oa fujh{k.k ds {ks= esa 24 vkapfyd dk;kZy;,oa 29 ç'kklfud dk;kZy; vkrs gSa vkSj uhfr;ksa ,oa çfØ;kvksa dk fu/kkZj.k djrk gS] ds vfrfjä mlds fu"iknu dh xq.koÙkk vkSj #- 3djksM+ ,oa mlls vf/kd ds _.k tksf[ke cká lunh ys[kkdkjksa ds ys[kk ijh{k.k ds v/khu vkrs gSA cSad iath—r dkuwuh lykgdkjksa ds ek/;e ls yhxy ys[kk ijh{k.k djrk gSA fujh{k.k ,oa ys[kk ijh{k.k foHkkx ds ikl fo'ks"k d{k gS tks vkadM+ksa dh fuxjkuh v‚QlkbV fuxjkuh ;wfuV ¼vks-,e-;w-½ }kjk djrk gSA

foÙkh; o"kZ 2017&18 ds nkSjku] cSad dh 1261 'kk[kkvksa esa tksf[ke vk/kkfjr vkarfjd ys[kk ijh{k.k fd;k x;k] 423 'kk[kkvksa@dk;kZy;ksadks leorhZ ys[kk ijh{k.k ç.kkyh ds v/khu yk;k x;k] 126 'kk[kkvksa@dk;kZy;ksa esa lwpuk ç.kkyh ys[kk ijh{k.k fd;k x;k vkSj leorhZys[kkdkjksa@ys[kkdkjksa ,oa vkarfjd LVkQ dh lsok,a ysrs gq, 822 'kk[kkvksa ds jktLo ys[kk ijh{k.k fd, x,A

fujh{k.k ,oa ys[kk ijh{k.k foHkkx yksd mRihM+u@f'kdk;rksa ds fuokj.k dh fuxjkuh djrk gSA foÙkh; o"kZ 2017&2018 ds nkSjku 5837 f'kdk;rsa çkIr gqbZ ftuesa ls 46 f'kdk;rsa fuokj.k gsrq çfØ;k esa gSA cSafdax yksdiky us o"kZ ds nkSjku cSad ds fo#) dksbZ fu.kZ; ugha fn;kA

lkjka'k esa] cSad dk fujh{k.k ,oa ys[kk ijh{k.k foHkkx vius cksMZ] fu;ked ,oa Hkkjr ljdkj }kjk LFkkfir çfØ;k ,oa ç.kkyh dk çHkkoh :i ls fuxjkuh djus gsrq vuqikyu dj jgk gSA

vuqikyu dk;Zdyki% eq[; vuqikyu vf/kdkjh ds i;Zos{k.k ,oa funsZ'ku esa vuqikyu foHkkx dk;Z dj dj jgk gSA funs'kd e.My dh vuqeksfnr vuqikyu uhfr ds vuqlkj LorU= vuqikyu foHkkx dk;Z djrk gSA vuqikyu foHkkx lacaf/kr O;olkf;d foHkkxksa dks fu;ked fn'kk&funsZ'kksa dks çsf"kr djrk gS vkSj funs'kd e.My@,-lh-ch- ds le{k vuqikyu dh fLFkfr dks çLrqr djrk gSA vuqikyu tkap ,oa Lo;a çek.khdj.k ds ek/;e ls fofHkUu fu;ked@lkafof/kd fn'kk&funsZ'kksa ,oa dksMksa ds vuqikyu dks vuqikyu foHkkx lqfuf'pr djrk gSA

foÙkh; o"kZ 2017&18 ds nkSjku] Hkk-fj- cSad dh ,l-,l-,e- Vhe us 22 ebZ] 2017 ls 07 tqykbZ] 2017 rd i;Zos{k.k ewY;kadu ¼vkbZ-,l-bZ-½djus ds fy, v‚u lkbZV fujh{k.k fd;k vkSj tksf[ke dks U;wure ¼vkj-,e-ih-½ djus dh ;kstuk ds lkFk fnukad 31-03-2017 dh tksf[ke vkadyu fjiksVZ ¼vkj-,-vkj-½ çLrqr dhA cSad ,l,l,e] Hkkjrh; fjtoZ cSad ¼Hkk-fj- cSad½ ds leUo; ds lkFk tksf[ke dks U;wure djus dh;kstuk ¼vkj-,e-ih-½ dks ykxw djus ij dk;Z dj jgk gSA

foÙkh; o"kZ 2017&18 ds nkSjku] Hkk-fj- cSad vFkok vU; fdlh fu;ked fudk; }kjk cSad ds fo:) dksbZ fu;ked n.MkRed dkjZokbZ ugha dh xbZA

Punjab & Sind Bank

2017-18

•

•

•

•

laid down by its own Board, the Regulator and Government of India.

iatkc ,.M fla/ cSad


tu&laidZ

foÙkh; o"kZ 2017&18 ds nkSjku] cSad us d‚iksZjsV Lrj ij lkoZtfud :i ls viuh Nfo dks etcwr djus ds fy, ,d eYVh ehfM;k j.kuhfr viukbZ vkSj rnuqlkj çpkj&çlkj laiw.kZ ns'k ds fofHkUu n'kZdksa dks ifjyf{kr dj vius mRiknksa] fufonk] foÙkh; vkSj vU; çn'kZu] foKkiuvkfn dks fofHkUu lekpkj i=ksa] if=dkvksa] fçaV ehfM;k ds ek/;e ls fd;k x;kA çpkj&çlkj ctV vkSj bldh mi;ksfxrk dks fodsfUær dj vk¡pfyd çca/kdksa dks 'kfä çnku dh xbZ rkfd os LFkkuh; {ks= ds O;kikfjd {kerkvksa dks ns[krs gq, çpkj lk/kuksa ds fu.kZ; vkSj fu;fer ,oa çHkkoh fu;a=.k ds fy, ;ksX; ekeyksa ij vius foosdk/khu 'kfä;ksa dk ç;ksx dj Loh—fr çnku dj ldsaA

ç/kku dk;kZy; Lrj ij cSad us cká çpkj midj.kksa vFkkZr~ çk;kstd rFkk cSujksa ,oa gksfMaZxksa dk mi;ksx mPp egRo ds çpkj tSls xq:ioZegksRlo] lqjthr g‚dh VwukZesaV] iVuk lkfgc]fcgkj esa Jh xq: xksfoan flag th ij HkkbZ ohj flag lkfgR; lnu }kjk vk;ksftr çn'kZuh esa lgHkkfxrk] fo'ks"k t:jrksa okys Nk=ksa ds fy, jk"Vªh; çfrHkk vksyafi;kM esa lgHkkfxrk] ,l,vkj,,l esyk esa lgHkkfxrk ,oa ve`rlj,;jiksVZ ij gksfMaZXl }kjk vkS|ksfxd çpkj rFkk ok?kk varjkZ"Vªh; c‚MZj rd cSad dh igq¡p dk foLrkj fd;k x;kA cSad us vius ijaijkxrdSysaMj 2018 tksfd o`gr~ :i esa cSad ds xzkgdksa vkSj 'kqHkfpardksa esa ck¡Vk x;k] ds }kjk vR;f/kd çpkj ik;k vkSj fçaV ehfM;k esa cSad dh çSl foKfIr;ksa dks LFkku feyus ls bl {ks= esa vPNk çpkj&çlkj gqvk gSA

cSad dks bu lHkh xfrfof/k;ksa ls jk"Vª dh lsok esa Lo;a dks iqu%lefiZr djus vkSj çpkj&çlkj {ks= esa cM+h lQyrk vftZr djus gsrq l{ke fd;kA

lrdZrk

lrdZrk ç'kklu ds Kku esa lao`f) djus rFkk laosnu'khy cukus ds mís'; ls rFkk dk;Z{ks= Lrj ij lrdZrk dks mRiUu djus ,oa iksf"kr djus dh uhfr vkSj vU; çFkkvksa vFkok LFkkfir çfØ;kvksa dk vuqlj.k ugha djus ij dk;Zjr LVkQ dks f'kf{kr djus ds fy, fofHkUu mik; tSls lHkh çf'k{k.k dk;ZØeksa esa fujks/kkRed lrdZrk ij ,d O;k[;ku dks lfEefyr djus] ih,lch fofty ¼rhljk vad½ esa fujks/kkRed lrdZrk ij fofHkUu ys[kksa dks lfEefyr djus vkfn dks ykxw fd;k x;kA

o"kZ 2017&18 ds nkSjku] cSad us fnukad 30-10-2017 ls 04-11-2017 rd dsaæh; fo"k;&oLrq Þesjh nwjnf'kZrk & Hkz"Vkpkj eqä Hkkjrß ij lR; fu"Bk ds lkFk lrdZrk tkx#drk lIrkg euk;kA dk;ZØe ds nkSjku lrdZrk lekpj i= Þdjsa vkSj u djsaß dk Hkh foekspu fd;k x;kA blds vfrfjä] cSad Lrj ij laiw.kZ ns'k esa xzke lHkkvksa@Ldwyksa vkSj d‚ystksa esa fofHkUu dk;ZØe vk;ksftr fd, x, ftuesa ,d yk[k ls vf/kd lgHkkfx;ksa us lgHkkfxrk dhA lrdZrk tkx#drk lIrkg ds nkSjku fofHkUu xfrfof/k;ka dh xbZ ftuesa & okn&fookn] oä`Ro] ç'uksÙkjh dk;ZØe] jSfy;ka] lsehukjksa@dk;Z'kkykvksa] iSny ;k=kvksa] lkbZfdy ;k=kvksa] jksM 'kks] eksckbZy oSuksa ds ek/;e ls tkx#drk] LokLFk; dSaiksa] iSEi¶ysVksa@ds forj.k@cSujksa] tuZy@U;wt ySVj tkjh dj] Lyksxu çfr;ksfxrkvksa] fuca/k ys[ku çfr;ksfxrkvksa vkfn lfEefyr FkhaA bu dk;ZØeksa esa mifLFkr jg dj] lekt ds fof'k"V O;fä;ksa us 'kksHkk c<+kbZA LVkQ lnL;ksa@cSad ds xzkgdksa@vke turk dks cSad dh osclkbZV ij miyC/k ;w-vkj-,y- ds ek/;e ls bZ&'kiFk ysus gsrq çksRlkfgr fd;k x;k ftlds ifj.kke Lo:i 15000 ls vf/kd O;fä;ksa us lgHkkfxrk dh vkSj laiw.kZ ns'k esa bZ&'kiFk lqfo/kk dk ykHk mBk;kA

lrdZrk foHkkx }kjk dqN 'kk[kkvksa dh lkekU; 'kh"kksaZ] fuf"Ø; [kkrksa] ds-lh-lh- ,oa eh;knh _.k [kkrksa vkfn esa ysu&nsu dh v‚Q lkbZV fuxjkuh ds vk/kkj ij] dqN vfu;ferrk,a vkSj lansgkLin ysu&nsu ik;h xbZA rnuqlkj] lrdZrk foHkkx dh tkudkjh ds vk/kkj ij cSad us çR;sd vapy ls nks vf/kdkfj;ksa dks ukfer djus dk fu.kZ; fy;k tks fujks/kkRed lrdZrk mik; ds rkSj ij 'kk[kk ds ysu&nsu dh fu;fer fuxjkuh djsaxsA

naMkRed lrdZrk

tSlk fd çpyu esa gS] bl o"kZ Hkh lHkh vuq'kklukRed çkf/kdkfj;ksa@fu;a=dksa dh lfØ; lgHkkfxrk vkSj ekuuh; lh-oh-lh-@vU; ljdkjh vfHkdj.kksa ds leUo; ls] vfu.khZr vuq'kklukRed dkjZokbZ ekeyksa esa deh ykus ds fy, fo'ks"k tksj fn;k x;k tks fuEu ls ifjyf{kr gS%

2014&15 2015&16 2016&17 2017&18vfu.khZr lrdZrk¼vkjMh,½ ekeys 70 58 49 54*vfu.khZr lhohlh lanfHkZr ekeys 01 00 00 00tkjh vkjksi i= 63 56 53 62vksMhvkbZ lwph esa vf/kdkfj;ksa dh la[;k 120 98 81 75

* mä 54 ekeyksa esa ls] fnukad 31-03-2018 ls igys vuq'kklukRed çkf/kdkfj;ksa dks 05 ekeyksa esa nwljs Lrj dh lykg nh tk pqdh gSvkSj budks vko';d çfØ;k iw.kZ gksus ij tYnh gh fuLrkfjr dj fn;k tk,xkA

Punjab & Sind Bank

2017-18 31

by way of coverage of its press releases by the print media.

mileage on the publicity front.

rd

which is evident from the following details:

*01 00 00 00

120 81

* nd

iatkc ,.M fla/ cSad


lqj{kk% cSad dh laLFkkxr lajpuk ds varxZr~ cSad dk ,d lqLFkkfir lqj{kk dop gSA ç-dk- lqj{kk foHkkx lHkh eqæk isfVdkvksa vkSj 'kk[kkvksaesa lqj{kk O;oLFkkvksa dh fu;fer :i ls leh{kk dj jgk gS rFkk rnuqlkj lqj{kk O;oLFkkvksa dks etcwr cuk jgk gS rkfd çHkkoh] ubZ ,oavHks/k lqj{kk ç.kkyh }kjk orZeku lqj{kk dh pqukSfr;ksa ls fuiVk tk ldsA Hkk-fj- cSad@Hkkjrh; cSad la?k ds fn'kk&funsZ'kksa ds vuqlkj yxHkx lHkh 'kk[kkvksa esa lHkh vko';d ,oa vfuok;Z lqj{kk O;oLFkkvksa dks miyC/k djk;k x;k gSA

vkapfyd lqj{kk vf/kdkjh çpyu esa lqj{kk O;oLFkkvksa dk vkadyu djus ds fy, 'kk[kkvksa dk vkof/kd lqj{kk ijh{k.k djrs gSa vkSj tgk¡dgh Hkh vko';d gks] vfrfjä fujks/kkRed lqj{kk mik;ksa dks ykxw djus dh vuq'kalk djrs gSaA os ç'kklfud vkSj dkuwu ykxw djus okysçkf/kdkfj;ksa ds lkFk utnhdh laca/k cukrs gSaA blds vfrfjä] eq[; lqj{kk vf/kdkjh rFkk ç/kku dk;kZy; ds vU; vf/kdkjhx.k Hkh eqækisfVdkvksa dk lqj{kk ijh{k.k dj jgs gSa vkSj cSad dh vfr laosnu'khy 'kk[kkvksa ds vkSpd nkSjs Hkh dj jgs gSaA

Hkk-fj- cSad ds fn'kk&funsZ'kksa ds vuqlkj cSad dh lHkh eqæk isfVdkvksa esa vf/kxe ¼Access½ fu;a=.k ç.kkyh dks etcwr fd;k x;k gSA eqæk isfVdk ds LVªkax d{k rd igq¡p ¼,sfDll½ dks fu;af=r djus gsrq ,d mfpr ç.kkyh rFkk isfVdk ds okYV d{k esa ços'k@fudkl laca/kh çfof"V ds mfpr vfHkys[kksa dk j[kj[kko fd;k tk jgk gSA

lHkh 'kk[kkvksa vkSj eqæk isfVdkvksa esa lqj{kk vykeZ ç.kkyh LFkkfir gSA vf/kdka'k 'kk[kkvksa esa Hkk-fj- cSad ds fofufnZ"Vksa ds vuq:i LVªkax d{k miyC/k djk, x, gSaA

cSad dh dqy 12 ¼ckjg½ eqæk isfVdk,a gSa vkSj lHkh dks jkT; ds iqfyl xkMksaZ }kjk vfHkj{kk çnku dh tk jgh gSA cSad dh lHkh 'kk[kkvksa esa l'kL= xkMZ miyC/k djk, x, gSaA lHkh udnh dk foçs"k.k l'kL= xkMksaZ dh vfHkj{kk esa gksrk gSA

lHkh lqj{kk vf/kdkfj;ksa dks o"kZ esa ,d ckj lqj{kk ij fjÝs'kj çf'k{k.k çnku fd;k tkrk gSA

[krjs dh psrkouh] udnh dh ek=k] ewY;oku oLrqvksa vkSj fujarj uxjkuh dh vko';drk dks /;ku esa j[krs gq,] lHkh eqæk isfVdkvksa] 'kk[kkvksa vkSj ,-Vh-,e- esa lh-lh-Vh-oh- fuxjkuh ç.kkyh LFkkfir dh xbZ gSA

Hkkjrh; ys[kk ekudksa dks ykxw djuk%

Hkk-fj- cSad us vius ifji= fnukad 11 Qjojh] 2016 la[;k Mhchvkj-chih-chlh-ua-76@21-07-001@2015&16 tkjh fd;k gS ftlesa vuqlwfpr okf.kfT;d cSadksa dks Hkkjrh; ys[kk ekudksa ¼b aM ,,l½ dks 01 vçSy] 2018 ls vkjEHk gks jgh ys[kk vof/k ls vkxs] lekIr gks jgh vof/k;ksadh rqyuk esa ;k 31 ekpZ] 2018 ds i'pkrA baM ,-,l- LVSaM,yksu foÙkh; foojf.k;ksa rFkk lesfdr foÙkh; foojf.k;ksa ij ykxw gksxkA

Hkkjrh; fjtoZ cSad us 05 vçSy] 2018 dks foÙkh; o"kZ 2018&19 dh viuh çFke ekSfæd uhfr ds dFku esa vuqlwfpr okf.kfT;d cSadksa ¼{ks=h;xzkeh.k cSadksa dks NksM+ dj½ gsrq ,d o"kZ ds fy, vLFkfxr dj fn;k gS rkfd 01 vçSy] 2019 ls baM ,-,l- dks ykxw fd;k tk lds]01 vçSy] 2018 ls vkjEHk gks jgs o"kZ dh rqyuk ds lkFkA

orZeku esa cS ad viuh çfØ;k ,oa ç.kkyh esa fd, tkus okys ifjorZuksa dh igpku djus dh çfØ;k esa gS vkSj rduhdh gy ryk'k jgk gSA

vkxs] Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa ds vuqlkj] cSad us 30 flEcj] 2016 dks lekIr vnZ~/k&okf"kZdh rFkk foÙkh; o"kZ 2017&18 dh 30 twu] 2017 dh frekgh lacaf/kr LVSaM,yksu çk:i baM ,-,l- foÙkh; foojf.k;ksa ds lkFk vU; vfHkdyuksa dks Hkk-fj- cSad dks çsf"kr dj fn;k gSA

jktHkk"kk dk;kZUo;u% o"kZ 2017&18 jktHkk"kk dk;kZUo;u dh –f"V ls miyfC/k;ksa Hkjk o"kZ jgkA bl o"kZ gekjs cSad dks d {ks= ds fy, jktHkk"kk dk loksZPp iqjLdkj dhfrZ 'khYM ¼çFke iqjLdkj½ çkIr gqvkA ;g iqjLdkj v/;{k ,oa çca/k funs'kd Jh tfranjchj flag ¼vkbZ,,l½ us ekuuh; jk"Vªifr egksn; Jh jke dksfoan th ds dj deyksa ls 14-09-2017 dks foKku Hkou esa HkO; vk;kstu esa çkIr fd;k A blds lkFk gh cSad dh fganh if=dk ^jktHkk"kk vadqj* dks fnYyh ds lHkh cSadksa ds fy, cukbZ xbZ lfefr ¼fnYyh cSad uxj jktHkk"kk dk;kZUo;ulfefr½ }kjk f}rh; iqjLdkj çkIr gqvk rFkk Js"B jktHkk"kk dk;kZUo;u ds fy, çksRlkgu iqjLdkj Hkh çkIr gqvkA fnYyh cSad ujkdkl }kjk o"kZ ds nkSjku fofHkUu varjcSad çfr;ksfxrkvksa esa gekjs cSad dks dqy 16 iqjLdkj çkIr gq, tks fd ,d fjd‚MZ gSA lkFk gh cSafdax {ks= esa jktHkk"kk fganh esa csgrj dke djus ds fy, cSad dks yqf/k;kuk] fnYyh] cjsyh] Hkksiky] ifV;kyk] paMhx<+] xk¡/kh uxj rFkk nqxZ¼fHkykbZ½Nrhlx<+ esa Hkh lacaf/kr uxj jktHkk"kk dk;kZUo;u lfefr;ksa }kjk jktHkk"kk 'khYMsa çnku dh xbZaA

Punjab & Sind Bank

2017-18 33

has been regularly reviewing the security arrangements at all Currency Chests and branches and accordingly strengthening the

maintained.

Financial Statements and Consolidated Financial Statements.

iatkc ,.M fla/ cSad


foÙkh; o"kZ 2017&18 ds nkSjku cSad esa Hkkjr ljdkj dh jktHkk"kk uhfr ds dk;kZUo;u ,oa jktHkk"kk fganh ds çxkeh ç;ksx ds çpkj&çlkj esa vk'kkrhr çxfr dh xbZAfganh dks vuqokn ds dV?kjs ls ckgj fudkydj jktHkk"kk dk;kZUOk;u dks ifj;kstuk dk;kZUo;u ds fl)karksa dsvk/kkj ij çpfyr vkSj çlkfjr fd;k x;kA dqy 85 dk;Z'kkykvksa dk vk;kstu fd;k x;k] ftuesa 1496 LVkQ lnL;ksa dks çf'kf{kr fd;k x;kA blds vfrfjä 603 'kk[kkvksa esa vk;ksftr MSLd çf'k{k.k dk;ZØeksa esa 2793 dkfeZdksa dks fganh ds ç;ksx dk çf'k{k.k rFkk daI;wVjij ;wfudksM çf'k{k.k Hkh fn;k x;kA cSad esa jktHkk"kk ds ç;ksx dh fLFkfr dh leh{kk djus ds mís'; ls dqy 691 'kk[kkvksa@dk;kZy;ksa ds fujh{k.k fd, x,A

foÙkh; o"kZ 2017&18 dh fo'ks"k miyfC/k ;g Hkh jgh gS fd foÙkh; o"kZ 2018&19 ls ^jktHkk"kk vadqj^ if=dk ds jpukdkjksa dks fn, tkusokys ekuns; esa vk'kkrhr o`fí dh xbZ gSA o"kZ 2017&18 esa ç/kku dk;kZy; esa fganh fnol ij vk;ksftr fofHkUu çfr;ksfxrkvksa esa fotsrkLVkQ&lnL;ksa dks vkd"kZd udn iqjLdkj fn, x,A mlh çdkj ;g udn iqjLdkj vk¡pfyd dk;kZy; Lrj ij Hkh vkjaHk fd, tkus çLrkfor gSA

lkekU; ç'kklu%

vçSy] 2017 esa dk;kZy; Hkou dk jathr uxj esa fuekZ.k iw.kZ gks pqdk gS vkSj vHkh rd 'kk[kk dk;kZy;] jathr uxj vkSj vkj-lh-lh-] fnYyhifjlj esa LFkkUrfjr gks pqds gSa vkSj cSad gkml Hkou dk uohdj.k dk;Z ¼cslesaV dks NksM+ dj½ tqykbZ] 2017 esa iw.kZ gks pqdk gSA ç/kku dk;kZy; ds cslesaV ds uohdj.k vkSj ckgjh lkSUn;Z gsrq fufonk tkjh dh tk pqdh gS vkSj uohdj.k@cká lkSUn;Z dk dk;Z çxfr ij gSA

funs'kd eaMy dk xBu

31 ekpZ] 2018 ds vuqlkj] funs'kd eaMy esa nks dk;Zdkjh funs'kdksa ds vfrfjä lkr vU; funs'kdksa ftlesa foÙk&ea=ky;] Hkkjrh; fjtoZcSad ds çfrfuf/k;ksa] nks 'ks;j/kkjd funs'kdksa rFkk ,d va'k&dkfyd xSj&vkf/kdkfjd funs'kd tks lunh ys[kkdkj oxZ ls rFkk nks vU;va'k&dkfyd xSj&vkf/kdkfjd funs'kd] dks lfEefyr fd;k x;k gSA

o"kZ 2017&18 ds nkSjku cSad ds cksMZ funs'kdksa ds fu;kstu esa fuEufyf[kr ifjorZu gq,%

lekos'ku

Jh xksfoUn ,u Mksaxzs dks cSad ds dk;Zdkjh funs'kd ds :i esa foÙk ea=ky;] foÙkh; lsok,a foHkkx] Hkkjr ljdkj] ubZ fnYyh ds fnukad 09-10-2017 dh vf/klwpuk la[;k ,Q-u- 4@5@¼2½ 2017&chvks&1 ds ek/;e ls fu;qä fd;k x;kA

Jh ,l- lsYokdqekj dks cSad dk foÙk ea=ky; ukfer funs'kd ds :i esa foÙk ea=ky;] foÙkh; lsok,a foHkkx] Hkkjr ljdkj] ubZ fnYyh ds fnukad 17-08-2017 dh vf/klwpuk la[;k ,Q-u- 6@3@2012&chvks&1 ds ek/;e ls ukfer fd;k x;kA

Jh ,l-vkj- ?ksMh;k dks cSad dk va'k&dkfyd xSj&vkf/kdkfjd funs'kd] lunh ys[kkdkj oxZ ds :i esa foÙk ea=ky;] foÙkh; lsok,a foHkkx] Hkkjr ljdkj] ubZ fnYyh ds fnukad 27-12-2017 dh vf/klwpuk la[;k ,Q-u- 6@1@2015&chvks&1 ds ek/;e ls ukfer fd;k x;kA

Jh e/kq lwnu nknw dks cSad dk va'k&dkfyd xSj&vkf/kdkfjd funs'kd ds :i esa foÙk ea=ky;] foÙkh; lsok,a foHkkx] Hkkjr ljdkj] ubZ fnYyh ds fnukad 27-12-2017 dh vf/klwpuk la[;k ,Q-u- 6@1@2015&chvks&1 ds ek/;e ls ukfer fd;k x;kA

fnukad 01-07-2017 dks Jh g"kZ chj flag dks 'ks;j/kkjdksa ds e/; ls 'ks;j/kkjd funs'kd pquk x;kA

fnukad 01-07-2017 dks Jh Vh-vkj- esUnhjÙkk dks 'ks;j/kkjdksa ds e/; ls 'ks;j/kkjd funs'kd pquk x;kA

lsok lekfIr

Jh tfrUnj chj flag us fnukad 31-12-2017 dks cSad ds v/;{k ,oa çca/k funs'kd ds :i esa viuk dk;Zdky iw.kZ fd;k vFkkZr~ eghus dk vafre fnu ftl fnu mUgksaus lsokfuo`fÙk dh vk;q çkIr dhA

Jh eqds'k dqekj tSu] cSad ds dk;Zdkjh funs'kd dks foÙk ea=ky;] foÙkh; lsok,a foHkkx] Hkkjr ljdkj] ubZ fnYyh dh vf/klwpuk la[;k ,Q-u- 4@4@2016&chvks@1¼ ½ ds ek/;e ls v‚fj;UVy cSad v‚Q d‚elZ dk çca/k funs'kd ,oa lh-bZ-vks- fu;qä fd;kA

Jh ,l-vkj- esgj] foÙk ea=ky; ukfer funs'kd us fnukad 17-08-2017 rd funs'kd eaMy esa jgsA

Jh ,e-,l- lkjax us fnukad 30-06-2017 dks 'ks;j/kkjd funs'kd ds :i esa viuk dk;Zdky iw.kZ fd;kA

Jh ,l-ih- ccwrk us fnukad 30-06-2017 dks 'ks;j/kkjd funs'kd ds :i esa viuk dk;Zdky iw.kZ fd;kA

Punjab & Sind Bank

2017-18

is in process

As on 31st

•

•

•

•

••

•

•

•••

iatkc ,.M fla/ cSad


d‚iksZjsV xousaZl%

cSad vPNs fuxfer ç'kklu ds fy, çfrc) gS rFkk bls vkSj vf/kd etcwr djus dk fujarj ç;kl dj jgk gS rkfd laxBu esa lHkh Lrj ij vkSj vf/kd ikjnf'kZrk o csgrj leUo; lqfuf'pr fd;k tk ldsA cSad dh dk;Z&ç.kkyh cSad ds ikjn'khZ LokfeRo lajpuk,a] tksf[ke çca/ku dk;Z&ç.kkyh esa lq/kkj] lqfu;ksftr rjhds ls 'kfä;ksa dks lkSaiuk] tokcnsgh rFkk fujh{k.k ,oa ys[kk&ijh{kk çHkkx rFkk LorU=lkafof/kd dsUæh; ys[kk&ijh{kdksa }kjk fd, x, foLr`r ys[kk dk;ksaZ dks n'kkZrh gSA

cSad fuxfer ç'kklu ls lacaf/kr ekeys esa lsch rFkk Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa dk ikyu djrk gS ftldh tkap dsUæh; lkafof/kd ys[kk&ijh{kdksa }kjk dh tkrh gSA

funs'kdksa ds mÙkjnkf;Ro dh fooj.kh

funs'kdksa us iqf"V dh gS fd 31 ekpZ] 2018 dks lekIr o"kZ ds fy, okf"kZd ys[kksa dks rS;kj djus esa &

ykxw ys[kk&ekudksa ds lkFk&lkFk ekud lkexzh ls lEcfU/kr mfpr O;k[;k] ;fn dksbZ gS] dk ikyu fd;k x;k gSA

Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa ds vuq:i cukbZ xbZ ys[kkadu uhfr;ksa dks fu;fer :i ls ykxw fd;k x;k gSA

foÙkh;&o"kZ ds var esa rFkk 31 ekpZ] 2018 dks lekIr o"kZ esa cSad ds ykHk gsrq cSad ds dk;Zdykiksa dk okLrfod rFkk mfpr fooj.k çLrqr djus gsrq ;Fkksfpr fu.kZ; rFkk iwokZuqeku yxk, x, gSaA

Hkkjr esa cSadksa ij ykxw dkuwuksa ds çko/kkuksa ds vuqlkj ys[kk vfHkys[kksa ds mfpr ,oa i;kZIr vuqj{k.k ds fy, mfpr rFkk i;kZIr /;ku j[kk x;k gS rFkk [kkrksa dks vfojy çfØ;k ds vk/kkj ij rS;kj fd;k x;k gSA

lkafof/kd ys[kk ijh{k.k% tSlk fd Hkkjrh; fjtoZ cSad }kjk vuqeksfnr gS] cSad us lekIr o"kZ 31 ekpZ] 2018 ds ys[kkadu o"kZ gsrq eSllZ /kou ,.M dEiuh] ubZ fnYyh; eSllZ nfoanj iky flag ,.M dEiuh] eksgkyh] eSllZ ,l- eku ,.M daiuh] ubZ fnYyh rFkk eSllZ cynso dqekj ,.M daiuh] p.Mhx<+ dks dsaæh; lkafof/kd ys[kkdkjksa ds :i esa fu;qä fd;k gSA

vfHkLoh—fr;ka%

cSad dk funs'kd e.My ewY;oku xzkgdksa] 'ks;j /kkjdksa] 'kqHkfpardksa vkSj cSad ds Hkkjr rFkk fons'kksa esa muds laoknnkrkvksa ds laj{k.k] lnHkkouk ,oa leFkZu ds fy, /kU;okn nsrk gSA

funs'kd e.My cSad ds dkedkt ds fy, Hkkjr ljdkj] Hkkjrh; fjtoZ cSad] Hkkjrh; çfrHkwfr ,oa fofue; cksMZ¼lsch½] LV‚d ,Dlpsatksa] fofHkUu jkT; ljdkjksa] foÙkh; laLFkkuksa vkSj cSad ds lkafof/kd dsaæh; ys[kk&ijh{kdksa ls çkIr ewY;oku vkSj le; ij lykg] ekxZn'kZu rFkk lg;ksx dks —rKrk ds lkFk Lohdkj djrk gSA

funs'kd e.My o"kZ ds nkSjku lHkh Lrjksa ij cSad dh çxfr gsrq LVkQ&lnL;ksa ds cgqewY; ;ksxnku ds fy, Hkjiwj ljkguk djrk gS rFkk vk'kk djrk gS fd vkus okys o"kksaZ esa cSad dks fuxfer y{;ksa dh çkfIr esa budk lrr~ lg;ksx çkIr gksrk jgsxkA

—rs funs'kd e.My dh vksj ls

LFkku% ubZ fnYyh Qjhn vgen

fnukad% 16 ebZ] 2018 dk;Zdkjh funs'kd

Punjab & Sind Bank

2017-18

examined by the Statutory Central Auditors.

st

•••

st

•

years ahead.

For and on behalf of Board of Directors

Place: New Delhi Fareed Ahmed

iatkc ,.M fla/ cSad


d‚iksZjsV çcaèku fjiksVZ ¼2017&18½

1- çcaèku lafgrk ds lacaèk esa cSad & n'kZu

cSad mR—"Vrk çkIr djus gsrq lalk/kuksa ds b"Vre mi;ksx ds lkFk vf/kdre çfrQy çkIr djus rFkk lHkh Lrjksa ij dk;Zfu"iknudks lqfuf'pr djus ds lkFk 'ks;j&/kkjdksa ds fgrksa dh j{kk djrs gq, rFkk muds ewY;ksa esa vfHko`f) ds fy, vius lrr~ ç;kl tkjhj[ksxkA cSad u dsoy lkafof/kd vko';drkvksa dk vuqikyu djsxk vfirq LosPNkiwoZd dM+h daiuh çca/ku i)fr;ksa dks fu"ikfnr djrsgq,] mudk ikyu Hkh djsxkA cSad çR;sd {ks= esa mR—"krk gkfly djus gsrq uSfrd ewY;ksa ds mPp ekudksa] ikjnf'kZrk rFkk vuq'kkflr–f"Vdks.k viukus esa fo'okl j[krk gSA cSad loksZÙke dk;Z'kSyh dks viukus ds fy, opuc) gSA cSad vius lHkh lk>snkjksa ftlesa'ks;j/kkjd] xzkgd] ljdkj rFkk O;kid rkSj ij vketu Hkh 'kkfey gSa] dks vf/kdre ykHk igqpkus gsrq l?ku ç;kl djrk jgsxkA

cSad ,d lwphc) fudk; gS tks ,d daiuh ugha gS vfirq cSaddkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e 1980 vFkkZr~ cSaddkjh daiuh vtZu vf/kfu;e ds rgr daiuh fudk; gS rFkk Hkkjrh; fjtoZ cSad }kjk fofu;fer gksrk gS] vr% LV‚d ,Dlpsatks ds lkFk fd, x, lwph;u djkj vkSj lsch ¼lwph;u nkf;Ro ,oa izdVu½ vf/kfu;e 2015 dk ml lhek rd ikyu djsxk tgka rd cSaddkjh daiuh miØeksa dk ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e 1980 ds çko/kkuksa vkSj bl laca/k esa Hkkjrh; fjtoZ cSad }kjk tkjh fn'kkfunsZ'kksa dk mYya?ku ugha gksrk gSA

2- funs'kd eaMy%

2-1 funs'kd eaMy dk Lo:i

funs'kd eaMy dk xBu cSafdax fofu;e vf/kfu;e 1949] cSafdax daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1980 ;Fkk la'kksf/kr rFkk jk"Vªh;—r cSad ¼çca/ku ,oa fofo/k çko/kku½ ;kstuk 1980 ¼;Fkk la'kksf/kr½ ds çko/kkuksa }kjk 'kkflr gksrk gSA

31 ekpZ] 2018 dh fLFkfr ds vuq:i funs'kd eaMy dk Lo:i fuEukuqlkj gS%

ØeLka- uke inuke

31-03-2018d¨ /kkfjrcSad ds

'ks;jä dh Lka[;k

cSad dh miLkfefr; a dh LknL;rk dh Lka[;k

vU; daifu;ksa esa funs'kd inksa

dh la[;k vFkkZr cSad ds

vfrfjä

vU; daifu;ksa ds cksMZ dh

milfefr;ksa esa lnL;rk@v/;{krk

dh la[;k

fVIif.k;ka ¼cSad esa fu;qfä

dk Lo:i½

1- Jh Qjhn vgen dk;Zdkjh funs'kd 'kwU; 13 'kwU; 'kwU; *

2- Jh xksfoan ,u Mksaxzs dk;Zdkjh funs'kd 'kwU; 12 'kwU; 'kwU; **

3- Jh ,l- lsYok dqekj funs'kd & foÙk ea=ky; }kjk ukfer

'kwU; 10 'kwU; 'kwU; ***

4- Jh ih-ds- tsuk funs'kd& Hkk-fj-cSa- }kjk ukfer

'kwU; 4 'kwU; 'kwU; @

5- Jh ,l-vkj- ?ksMh;k xSj&vkf/kdkfjd Js.kh & lunh ys[kkdkj Js.kh

'kwU; 5 'kwU; 'kwU; @@

6- Jh vruq lsu xSj&vkf/kdkfjd funs'kd 'kwU; 6 5 1 #

7- Jh e/kq lwnu nknw xSj&vkf/kdkfjd funs'kd 'kwU; 5 2 2 ##

8- Jh g"kZchj flag xSj&vkf/kdkfjd funs'kd ¼'ks;j/kkjd funs'kd½

1057 5 'kwU; 'kwU; $

9- Jh Vh-vkj- esanhjÙkk xSj&vkf/kdkfjd funs'kd ¼'ks;j/kkjd funs'kd½

100 6 'kwU; 'kwU; $$

* foÙk ea=ky;] Hkkjr ljdkj ds i= fnukad 16 Qjojh] 2017 dh la- ,Q-ua-4@5¼6½@2016&chvks&I dh 'krksaZ ds vuqlkj dk;Zdkjhfuns'kd ds :i esa 3 o"kZ dh vof/k gsrq inxzg.k djus dh frfFk vFkok vkxkeh vkns'kksa rd] buesa ls tks Hkh igys gksA

Punjab & Sind Bank

2017-18

shall comply with not only the statutory requirements, but also voluntarily formulate and adhere to a set of strong

Government and society at large.

Sr. No

Name No. of equity shares of

held as on 31.03.2018

No. of member

ship in Sub

No. of Directorship held in other

Companies i.e. Other than the

No of

Chairmanshipheld in Sub

the Board in Other Companies

appointment

1. Sh. Fareed Ahmed 13 *

2. Sh. Govind N Dongre 12 **

3. 10 ***

Director – RBI Nominee @

Sh. S R GhediaCategory

@@

Sh. Atanu Sen 1 #

Dadu2 2 ##

8. Sh. Harsh Bir Singh $

100 $$

iatkc ,.M fla/ cSad


** foÙk ea=ky;] Hkkjr ljdkj ds i= fnukad 09 vDVwcj] 2017 dh la- ,Q-ua- 4@5@¼2½@2017&chvks&I dh 'krksaZ ds vuqlkj dk;Zdkjh funs'kd ds :i esa fu;qä 31-03-2020 rd in ds çHkkjh gksus dh rkjh[k vFkkZr muds lsok fuo`Ùk gksus dh rkjh[k vFkok vkxkeh vkns'kksa rd] buesa ls tks Hkh igys gksA

*** foÙk ea=ky;] Hkkjr ljdkj ds i= fnukad 17 vxLr] 2017 dh la- ,Q-ua- 6@3@2012&chvks&I] cSaddkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 dh mi/kkjk ¼3½ ds [kaM ¼ch½ ds rgr rqjar çHkko ls ,oa vxys vkns'k rd funs'kd fu;qäA

@ foÙk ea=ky;] Hkkjr ljdkj ds i= fnukad 31 ebZ] 2013 dh la- ,Q-ua- 6@34@2013&chvks&I] cSaddkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 dh mi/kkjk ¼3½ ds [kaM ¼lh½ ds rgr rqjar çHkko ls ,oa vxys vkns'k rd funs'kd fu;qäA

@@ foÙk ea=ky;] Hkkjr ljdkj ds i= fnukad 27 fnlacj] 2017 dh la- ,Q-ua- 6@1@2015&chvks&I dh 'krksaZ ds vuq:i lunh ys[kkdkj Js.kh ds rgr cSaddkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 dh mi/kkjk ¼3½ ds [kaM ¼th½ ds rgr mudh fu;qfä dh lwpuk dh frfFk ls 3 o"kZ ds fy, vFkok vxys vkns'k rd] buesa tks Hkh igys gks] xSj&vkf/kdkfjd va'kdkfyd funs'kd fu;qäA

# foÙk ea=ky;] Hkkjr ljdkj ds i= fnukad 28 tuojh] 2016 dh la- ,Q-ua- 6@24@2015&chvks&I dh 'krksaZ ds vuq:i cSaddkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 dh mi/kkjk ¼3,p½ ,oa ¼3&,½ ds rgr mudh fu;qfä dh lwpuk dh frfFk ls 3 o"kZ ds fy, vFkok vxys vkns'k rd buesa tks Hkh igys gks] va'kdkfyd xSj&vkf/kdkfjd funs'kd fu;qäA

## foÙk ea=ky;] Hkkjr ljdkj ds i= fnukad 27 fnlacj] 2017 dh la- ,Q-ua- 6@1@2015&chvks&I dh 'krksaZ ds vuq:i cSaddkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 dh mi/kkjk ¼3½ ds [kaM ¼,p½ ds rgr mudh fu;qfä dh lwpuk dh frfFk ls 3 o"kZ ds fy, vFkok vxys vkns'k rd buesa tks Hkh igys gks] xSj&vkf/kdkfjd va'kdkfyd funs'kd fu;qäA

$ 'ks;j/kkjdksa ds e/; ls] dsaæ ljdkj ds vykok cS addkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1980 dh /kkjk 9 ¼3½¼i½tksfd jk"Vªh;—r cSad ¼çca/ku ,oa fofHkUu çko/kkuksa½ ;kstuk 1980 rFkk iatkc ,.M fla/k cSad ¼'ks;jksa ,oa cSBdksa½ ls lacaf/kr vf/kfu;e66¼i½] vf/kfu;e] 2008 [kaM 9 ¼4½ ds rgr vf/klwpuk ls 3 o"kZ rd dh vof/k vFkkZr~ fnukad 01-07-2017 ls funs'kd fu;qäA

$$ 'ks;j/kkjdksa ds e/; ls] dsaæ ljdkj ds vykok cS addkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1980 dh /kkjk 9 ¼3½¼i½tksfd jk"Vªh;—r cSad ¼çca/ku ,oa fofHkUu çko/kkuksa½ ;kstuk 1980 rFkk iatkc ,.M fla/k cSad ¼'ks;jksa ,oa cSBdksa½ ls lacaf/kr vf/kfu;e66¼i½] vf/kfu;e] 2008 [kaM 9 ¼4½ ds rgr vf/klwpuk ls 3 o"kZ rd dh vof/k vFkkZr~ fnukad 01-07-2017 ls funs'kd fu;qäA

2-2 o"kZ ds nkSjku funs'kdkas dh fu;qfDr@dk;Z&lekfIr

o"kZ 2017&18 ds nkSjku cSad ds funs'kd eaMy dh lajpuk esa fuEu ifjorZu gq, %

¼d½ fu;qfDr &

Û Jh xksfoan ,u Mksaxjs dks foÙkh; lsok,a foHkkx] foÙk ea=ky;] Hkkjr ljdkj] ubZ fnYyh dh fnukad 09-10-2017 dh vf/klwpuk la[;k ,Q-ua- 4@5¼2½@2017&ch-vks-&I }kjk cSad ds dk;Zdkjh funs'kd ds :i esa fu;qä fd;k x;kA

Û Jh ,l lsYokdqekj dks foÙkh; lsok,a foHkkx] foÙk ea=ky;] Hkkjr ljdkj] ubZ fnYyh dh fnukad 17-08-2017 dh vf/klwpuk la[;k ,Q-ua-6@3@2012&ch-vks-&I }kjk cSad ds ukekafdr funs'kd ds :i esa ukfer fd;k x;kA

Û Jh ,l-vkj- ?ksMh;k dks foÙkh; lsok,a foHkkx] foÙk ea=ky;] Hkkjr ljdkj] ubZ fnYyh dh fnukad 27-12-2017 dh vf/klwpuk la[;k ,Q-ua-6@1@2015&ch-vks-&I }kjk lunh ys[kkdkj Js.kh ds rgr xSj&vkf/kdkfjd va'kdkfyd funs'kd ds :i esa ukfer fd;k x;kA

Û Jh e/kq lwnu nknw dks foÙkh; lsok,a foHkkx] foÙk ea=ky;] Hkkjr ljdkj] ubZ fnYyh dh fnukad 27-12-2017 dh vf/klwpuk la[;k ,Q-ua-6@1@2015&ch-vks-&I }kjk xSj&vkf/kdkfjd va'kdkfyd funs'kd ds :i esa ukfer fd;k x;kA

Û Jh g"kZ chj flag dks iatkc vkSj fla/k cSad ds 'ks;j/kkjdksa esa ls fnukad 01-07-2017 dks funs'kd ds :i esa fuokZfpr fd;k x;kA

Û Jh Vh-vkj- esanhjÙkk dks iatkc vkSj fla/k cSad ds 'ks;j/kkjdksa esa ls fnukad 01-07-2017 dks funs'kd ds :i esa fuokZfpr fd;k x;kA

Punjab & Sind Bank

2017-18

whichever is earlier.



iatkc ,.M fla/ cSad


¼[k½ o"kZ ds nkSjku lsokfuo`r@R;kxi= nsus okys funs'kd

Û Jh tfranjchj flag us cSad ds v/;{k ,oa çca/k funs'kd ds :i esa fnukad 31-12-2017 dks viuk dk;Zdky iw.kZ fd;k vFkkZr~ eghus ds vafre fnu tc mUgksaus vf/kof"kZrk dh vk;q çkIr dhA

Û cSad ds dk;Zdkjh funs'kd] Jh eqds'k dqekj tSu dks foÙkh; lsok,a foHkkx] foÙk ea=ky;] Hkkjr ljdkj] ubZ fnYyh dh fnukad 14-07-2017 dh vf/klwpuk la[;k ,Q-ua- 4@4@2016&ch-vks-@I¼ ½ }kjk vksfj;.Vy cSad v‚Q d‚elZ ds çca/k funs'kd ,oaeq[; dk;Zdkjh vf/kdkjh ds :i esa fu;qä fd;k x;k rFkk mUgsa fnukad 15 tqykbZ] 2017 iwokZà cSad ls dk;Zeqä dj fn;k x;k A

Û Jh ,l vkj esgj cSad ds cksMZ esa fnukad 17-08-2017 rd foÙk ea=ky; }kjk ukekafdr funs'kd jgsA

Û Jh ,e ,l lkjax us 'ks;j/kkjd funs'kd ds :i esa fnukad 30-06-2017 dks viuk dk;Zdky iw.kZ fd;kA

Û Jh ,l ih ccwrk us 'ks;j/kkjd funs'kd ds :i esa fnukad 30-06-2017 dks viuk dk;Zdky iw.kZ fd;kA

2-3 o"kZ 2017&18 ds nkSjku fu;qDr funs'kdksa dk ifjp;%

Jh xksfoan ,u Mksaxjs

Ø-Lka- C;©jk foLr`r fooj.k

1- iwjk uke Jh xksfoan ,u Mksaxzs

2- firk dk uke Jh ukjk;.k th Mksaxzs

3- tUe frfFk ,oa vk;q 26@03@1960 rFkk 58 o"kZ

4- orZeku irk bZ-Mh- dk;kZy;] cSad gkml] 21] jktsaæ Iysl] ubZ fnYyh

5- bZ&esy irk [email protected]

6- 'kSf{kd ;ksX;rk ,e,llh ¼g‚fVZdYpj½] lh,vkbZvkbZch

7- funs'kd ds :i esa fu;qfä dk Lo:i dk;Zdkjh funs'kd

8- vuqHko HkwriwoZ egkçca/kd] fot;k cSad

9- vU; funs'kd inksa dk fooj.k ¼;fn dksbZ gS½ &&&&&&&&

Jh ,l lsYokdqekj


1- iwjk uke Jh ,l- lsYok dqekj

2- firk dk uke Jh lhjaxukj;.k


4- orZeku irk vkfFkZd ekeys foHkkx] foÙk ea=ky;] mÙkjh Cy‚d] ubZ fnYyh

5- bZ&esy irk

6- 'kSf{kd ;ksX;rk ,,evkbZbZ] ,y,ych] ,e,] varjkZ"Vªh; fodkl uhfr esa LukrdksÙkj ikBîØe

7- funs'kd ds :i esa fu;qfä dk Lo:i foÙk ea=ky; }kjk ukfer funs'kd

8- vuqHko yksd ç'kklu


Punjab & Sind Bank

2017-18

1.

2.

3.

[email protected]

8.

1.

2.

3.

8.

iatkc ,.M fla/ cSad


Jh ,l-vkj- ?ksMh;k


1- iwjk uke Jh 'kSys'k vkj ?ksMh;k

2- firk dk uke Jh jketh ,u ?ksMh;k


4- orZeku irk ch@202] ySc vk'kh"k] iqjkuh iqfyl D;wVªl ySu] va/ksjh ¼bZLV½ eqacbZ&400069


6- 'kSf{kd ;ksX;rk ch-d‚e] ,Q-lh-,-

7- funs'kd ds :i esa fu;qfä dk Lo:i lunh ys[kkdkj Js.kh ds rgr va'kdkfyd xSj&vkf/kdkfjd funs'kd

8- vuqHko 34 o"kZ ¼O;kolkf;d lunh ys[kkdkj½


Jh e/kq lwnu nknw


1- iwjk uke Jh e/kq lwnu nknw

2- firk dk uke Jh vkse çdk'k nknw


4- orZeku irk ,&21] lSDVj 27] uks,Mk&201301


6- 'kSf{kd ;ksX;rk chbZ ¼v‚ulZ½] ,e,llh ¼v‚ulZ½

7- funs'kd ds :i esa fu;qfä dk Lo:i va'kdkfyd xSj&vkf/kdkfjd funs'kd

8- vuqHko 32 o"kZ] m)~;eo`fr

9- vU; funs'kd inksa dk fooj.k ¼;fn dksbZ gS½ dUotsaZl eYVhehfM;k VsDuksy‚tht çkbosV fyfeVsM] ,Ile baQksVsDl fyfeVsM

Jh g"kZ chj flag


1- iwjk uke Jh g"kZ chj flag

2- firk dk uke Jh djrkj flag


4- orZeku irk 1625] Qst& ] eksgkyh & 160059


6- 'kSf{kd ;ksX;rk ,e,llh ¼v‚ulZ½] ,e,llh ¼lw-çkS-½] ,ech,] ,elh,] ,y,ych] lh,vkbZvkbZch

7- funs'kd ds :i esa fu;qfä dk Lo:i 'ks;j/kkjd funs'kd

8- vuqHko HkwriwoZ egkçca/kd iatkc ,.M fla/k cSad


Punjab & Sind Bank

2017-18

1.

2.

3.

[email protected]

8.

1.

2.

3.

[email protected]

8.

1. Sh. HARSH BIR SINGH

2.

3.

[email protected]

8.

iatkc ,.M fla/ cSad


Jh Vh-vkj- esanhjÙkk


1- iwjk uke Jh rhjFk jkt esanhjÙkk

2- firk dk uke Jh ?ku';ke nkl esanhjÙkk


4- orZeku irk ch&1] thou T;ksr] lhryokM+ ysu] uSisfUl;k jksM] eqEcbZ&400036

5- bZ&esy irk

6- 'kSf{kd ;ksX;rk ch-d‚e

7- funs'kd ds :i esa fu;qfä dk Lo:i 'ks;j/kkjd funs'kd

8- vuqHko Hkkjrh; thou chek fuxe esa 30 lky ls vf/kd dk vuqHko


2-4 c¨MZ cSBdas %

foÙkh; o"kZ 2017&18 ds nkSjku] cksMZ dh fuEu frfFk;ksa ij dqy 08 cSBdsa gqbZ tksfd jk"Vªh;—r cSadksa ¼çca/ku ,oa fofo/k çko/kku½;kstuk] 1980 esa fu/kkZfjr [k.M 12 dh U;wure 06 cSBdksa ds fo:) gSaA

16-05-2017 29-06-2017 09-08-2017 27-09-2017 14-11-201726-12-2017 09-01-2018 13-02-2018

mi;qZä funs'kd eaMy dh cSBdksa esa funs'kdksa dh mifLFkfr dk fooj.k fuEu gS tks muds dk;Zdky ls laca) gS%

funs'kd dk uke vof/kmuds dk;Zdky

ds n©jku vk;¨ftr cSBdsa

cSBdsa]ftuesa

LkgHkkfxrk dh

fnukad29-06-2017dh ,-th-,e- esa mifLFkfr

Jh tfrUnjchj flag & v/;{k ,oa çca/k funs'kd 01-04-2017 ls 31-12-2017 6 6 mifLFkr

Jh ,e-ds- tSu & dk;Zdkjh funs'kd 01-04-2017 ls 15-07-2017 2 2 mifLFkr

Jh Qjhn vgen & dk;Zdkjh funs'kd 01-04-2017 ls 31-03-2018 8 8 mifLFkr

Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd 10-10-2017 ls 31-03-2018 4 4 &&

Jh ,l-vkj- esgj & foÙk ea=ky; ukfer funs'kd 01-04-2017 ls 17-08-2017 3 3 vuqifLFkr

Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd 17-08-2017 ls 31-03-2018 5 5 &&

Jh ih-ds- tsuk & Hkk-fj-cSad ukfer funs'kd 01-04-2017 ls 31-03-2018 8 7 vuqifLFkr

Jh ,l-vkj- ?ksMh;k & xSj vkf/kdkfjd funs'kd ¼lunh ys[kkdkj Js.kh½

27-12-2017 ls 31-03-2018 2 2 &&

Jh vruq lsu & xSj vkf/kdkfjd funs'kd 01-04-2017 ls 31-03-2018 8 8 mifLFkr

Jh ,e-,l- nknw & xSj vkf/kdkfjd funs'kd 27-12-2017 ls 31-03-2018 2 2 &&

Jh ,l-ih- ccwrk & 'ks;j/kkjd funs'kd 01-04-2017 ls 30-06-2017 2 2 mifLFkr

Jh ,e-,l- lkjax & 'ks;j/kkjd funs'kd 01-04-2017 ls 30-06-2017 2 2 mifLFkr

Jh g"kZ chj flag & 'ks;j/kkjd funs'kd 01-07-2017 ls 31-03-2018 6 6 &&

Jh Vh-vkj- esanhjÙkk & 'ks;j/kkjd funs'kd 01-07-2017 ls 31-03-2018 6 5 &&

Punjab & Sind Bank

2017-18

1.

2.

3.

B.Com

8.

13.02.2018

2 2

8 8

3 3 Not Present

8 Not Present

2 2

8 8

2 2

Sh. S P Babuta – Shareholders Director 2 2

2 2

Sh. Harsh Bir Singh – Shareholders Director

iatkc ,.M fla/ cSad


2-5 vkpkj Lkafgrk%

funs'kd eaMy rFkk çeq[k çca/ku dkfeZd vFkkZr~ funs'kdksa ,oa funs'kd ls ,d jSad uhps ftuesa lHkh egkçca/kd lfEefyr gSa] gsrq lsch¼lwph;u nkf;Roksa rFkk çdVu vko';drkvksa½ vf/kfu;e] 2015 ds fofu;eu 17¼5½ dh vuqikyuk esa vkpkj lafgrk dks funs'kd eaMy }kjk vuqeksfnr dj fn;k x;k gSA mä vkpkj lafgrk cSad dh osclkbV www.psbindia.com ij miyC/k gSA funs'kd eaMy ds lHkh lnL;ksa ,oa egkçca/kdksa us vkpkj lafgrk ds çfr lgefr O;ä dj nh gSA

3- lkekU; okÆ"kd cSBd%

'ks;j/kkjdksa dh vk;ksftr dh xbZ vafre rhu okf"kZd lkekU; cSBdksa dk fooj.k fuEu çdkj gS %

Lo:i fnu rFkk fnukad le; LFky,-th-,e- lkseokj

29-06-2015çkr% 9-00 ct s b afM;k b aVjus'kuy l sUVj] 40&e SDl e qyj ekx Z]

yks/kh bLV sV] ubZ fnYyh&110003

,-th-,e- eaxyokj28-06-2016

çkr% 10-00 ct s b afM;k b aVjus'kuy l sUVj] 40&e SDl e wyj ekx Z] yksèkh bLV sV] uÃ fnYyh&110003

,-th-,e- xq#okj29-06-2017

çkr% 10-00 cts bafM;k baVjus'kuy lsUVj] 40&eSDl eqyj ekxZ] yks/kh bLVsV] ubZ fnYyh&110003

dksbZ Hkh fo'ks"k çLrko foxr rhu ,-th-,e- esa Loh—r ugha fd;k x;kA

4- funs'kdä dh Lkfefr %

cSad ds funs'kd eaMy us d‚jiksjsV xousaZl rFkk tksf[ke çca/ku ç.kkyh ij Hkkjr ljdkj rFkk Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kkuqlkjdk;Zuhfr ds egRoiw.kZ {ks=ksa ij fuxjkuh j[kus ds fy, funs'kdksa dh fofHkUu lfefr;ksa dk xBu fd;k gSA cksMZ desVh dh cSBdksa dsnkSjku çca/ku oxZ us ekuo lalk/ku@vkS|ksfxd laca/k ds ifjpkyu] fu"iknu fodkl ij fopkj&foe'kZ ds lkFk&lkFk {ks=h; fodkl]mRiknu ds dk;Z fu"iknu] voljksa] pqukSfr;ksa] tksf[keksa vkSj mlls lacaf/kr vko';drkvksa ds fo'ys"k.k ij cy fn;k gSA funs'kdeaMy dh egRoiw.kZ lfefr;ka fuEu çdkj gSa %

Ø-Lka- Lkfefr dk uke

1- cksMZ dh çca/ku lfefr ¼,elh½

2- cksMZ dh ys[kk ijh{kk lfefr ¼,lhch½

3- cM+h jkf'k dh /kks[kk/kM+h fuxjkuh laca/kh lfefr

4- cksMZ dh lrdZrk lfefr

5- tksf[ke çca/ku lfefr

6- xzkgd lsok lfefr

7- 'ks;j/kkjd@fgr/kkjd laca/k lfefr

8- ekuo lalk/ku lfefr

9- lwpuk çkS|ksfxdh ;kstuk lfefr

10- dk;Zikydksa dh iíksUufr ij cksMZ dh lfefr

11- vihy vkSj leh{kk ds ekeyksa ls fuiVus ds fy, lfefr

12- olwyh dh fuxjkuh gsrq lfefr

13- 'ks;j/kkjd funs'kd pquko lfefr & lkoZtfud {ks= ds cSad }kjk ernku

14- bjknru pwddrkZ gsrq leh{kk lfefr

15- ukekadu lfefr

Punjab & Sind Bank

2017-18

compliance of the Code.

3.

Venue

10.00 a.m.

10.00 a.m.

10.00 a.m.

1.

2.

3.

8.

10.

11.

12.

13.

iatkc ,.M fla/ cSad


4-1- cksMZ dh Áca/ku Lkfefr %

cksMZ dh çca/ku lfefr dk xBu foÙk ea=ky;] Hkkjr ljdkj }kjk fd, x, la'kks/kuksa ds lkFk ifBr jk"Vªh;—r cSad ¼çca/ku ,oa fofo/k çko/kku½ ;kstuk] 1980 ¼;Fkk la'kksf/kr½ ds [kaM&13 ds vuqlj.k esa fd;k x;k gS tks vR;f/kd egRoiw.kZ dkjksckjh ekeys rFkk vf/kd jkf'k ds _.k çLrko eatwj djus] le>kSrk@cêk [kkrk çLrko] iwathxr ,oa jktLo O;; dh Loh—fr] ifjlj] fuos'k] nku vkfn ij fopkj djrh gSA

lfefr esa v/;{k ,oa çca/k funs'kd] dk;Zdkjh funs'kd vkSj /kkjk 9¼3½¼lh½ ds rgr Hkkjr ljdkj }kjk ukfer funs'kdksa rFkk cSaddkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1980 dh /kkjk 9¼3½ dh mi/kkjk ¼bZ½¼,Q½¼,p½ o ¼vkbZ½ ds v/khu fu;qä funs'kdksa esa ls rhu funs'kdksa dk lekos'k gSA

31 ekpZ] 2018 dks lfefr dh lajpuk bl çdkj gS&

Ø-Lka- funs'kd dk uke

1- Jh Qjhn vgen & dk;Zdkjh funs'kd

2- Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd

3- Jh ih-ds- tsuk & Hkk-fj-cSad ukfer funs'kd

4- Jh vruq lsu & xSj vkf/kdkfjd funs'kd

5- Jh ,e-,l- nknw & xSj vkf/kdkfjd funs'kd

foÙkh; o"kZ 2017&18 ds nkSjku cksMZ dh çca/ku lfefr dh fuEukafdr frfFk;ksa ij 11 cSBdksa dk vk;kstu gqvk %

16-05-2017 15-06-2017 29-06-2017 24-07-2017 07-09-201727-09-2017 14-11-2017 05-12-2017 26-12-2017 09-01-2018

02-02-2018 13-02-2018 09-03-2018

funs'kd lnL;ksa dh muds dk;Zdky ds nkSjku lfefr dh vk;ksftr mä cSBdksa esa mudh mifLFkfr dk fooj.k fuEukuqlkj gS %



cSBdsaftuesa

LkgHkkfxrk dh

Jh tfrUnjchj flag & v/;{k ,oa çca/k funs'kd 01-04-2017 ls 31-12-2017 9 9

Jh ,e-ds- tSu & dk;Zdkjh funs'kd 01-04-2017 ls 15-07-2017 3 3

Jh Qjhn vgen & dk;Zdkjh funs'kd 01-04-2017 ls 31-03-2018 13 13

Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd 10-10-2017 ls 31-03-2018 7 7

Jh ih-ds- tsuk & Hkk-fj-cSad ukfer funs'kd 01-04-2017 ls 31-03-2018 13 11

Jh vruq lsu & xSj vkf/kdkfjd funs'kd 30-01-2017 ls 29-07-201718-01-2018 ls 31-03-2018

7 7

Jh ,e-,l- nknw & xSj vkf/kdkfjd funs'kd 18-01-2018 ls 31-03-2018 3 3

Jh ,e-,l- lkjax & 'ks;j/kkjd funs'kd 01-04-2017 ls 30-06-2017 3 3

Jh g"kZ chj flag & 'ks;j/kkjd funs'kd 21-07-2017 ls 20-01-2018 7 7

Jh Vh-vkj- esanhjÙkk & 'ks;j/kkjd funs'kd 30-07-2017 ls 29-01-2018 6 5

Punjab & Sind Bank

2017-18

1.

2.

3.

02.02.2018 13.02.2018

tenure are as under:

3 3

13 13

13 11

18.01.2018 to 31.03.2018

18.01.2018 to 31.03.2018 3 3

3 3

Sh. Harsh Bir Singh – Shareholders Director

iatkc ,.M fla/ cSad


4-2 cksMZ dh ys[kk ijh{k.k lfefr ¼,lhch½

cSad us d‚iksZjsV xousaZl ds ewy fl)karksa ds vuq:i vkSj Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa ds vuqlj.k esa] cksMZ dh ys[kk ijh{kklfefr xfBr dh gSA ,d xSj dk;Zdkjh funs'kd tksfd lunh ys[kkdkj gS] lfefr dk v/;{k gSAys[kk ijh{kk lfefr dk] vU; ckrksa ds lkFk&lkFk] çeq[k dk;Z cSad dh foÙkh; lwpuk ç.kkyh dh leh{kk vkSj vkdyu djuk gS rkfd ;g lqfuf'pr gks lds fd foÙkh; foojf.k;ka lgh] mi;qä vkSj fo'oluh; gSaA ;g lfefr cksMZ dks çLrqr djus ls igys frekgh@okf"kZd foÙkh; foojf.k;ksa dh çca/ku ds lkFk leh{kk djrh gSA;g ys[kk ijh{kk lfefr fn'kk&funsZ'k nsrh gS rFkk cSad ds lexz ys[kk ijh{kk dk;ksZ dh leh{kk djrh gS ftlesa laxBu ifjpkyu rFkk vkarfjd ys[kk ijh{kk dh xq.koÙkk fu;a=.k] dk;Z vkarfjd fu;a=.k nks"k vkSj cSad dh vkarfjd fujh{k.k O;oLFkk] cSad dh lkafof/kd@cká ys[kk ijh{kk laca/kh vuqorhZ dkjZokbZ rFkk Hkkjrh; fjtoZ cSad ds fujh{k.k lfEefyr gSAlfefr vkarfjd fu;a=.k ç.kkyh] vkarfjd ys[kk ijh{kk foHkkx dh lajpuk] bldh LVkQ lajpuk dh leh{kk Hkh djrh gS vkSj fdlh egRoiw.kZ [kkst ds laca/k esa vkarfjd ys[kk ijh{kdksa@fujh{kdksa ds lkFk fopkj&foe'kZ rFkk ml ij vuqorhZ dkjZokbZ djrh gSA ;g cSad dh foÙkh; o tksf[ke çca/ku uhfr;ksa dh leh{kk Hkh djrh gSAlkafof/kd ys[kk ijh{kk ds lanHkZ esa ys[kk ijh{kk lfefr] okf"kZd@frekgh foÙkh; [kkrksa ,oa fjiksVksaZ dks vafre nsus ls iwoZ] dsaæh;lkafof/kd ys[kk ijh{kdksa ds lkFk fopkj&foe'kZ djrh gSA ;g lfefr ykax QkeZ v‚fMV fjiksVZ ¼ ½ dh fofHkUu enksa ij vuqorhZ dkjZokbZ Hkh djrh gSA

31 ekpZ] 2018 dks lfefr dh lajpuk bl çdkj gS %

Ø-la- funs'kd dk uke 1- Jh ,l-vkj- ?ksMh;k & xSj vkf/kdkfjd funs'kd&lunh ys[kkdkj Js.kh ¼v/;{k½ 2- Jh Qjhn vgen & dk;Zdkjh funs'kd 3- Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd 4- Jh ih-ds- tsuk & Hkk-fj-cSad ukfer funs'kd5- Jh g"kZ chj flag & 'ks;j/kkjd funs'kd

foÙkh; o"kZ 2017&18 ds nkSjku cksMZ dh ys[kk ijh{k.k lfefr ¼,lhch½ dh 06 voljksa ij cSBdsa fuEufyf[kr frfFk;ksa ij vk;ksftr dh xbZa%

13-04-2017 16-05-2017 28-06-2017 09-08-2017 14-11-2017 13-02-2018

funs'kd lnL;ksa dh muds dk;Zdky ds nkSjku lfefr dh vk;ksftr mä cSBdksa esa mudh mifLFkfr dk fooj.k fuEukuqlkj gS %

Ø-Lka- funs'kd dk uke vof/kmuds dk;Zdky


cSBdsa] ftuesa LkgHkkfxrk

dh

1Jh ,l-vkj- ?ksMh;k & xSj vkf/kdkfjd funs'kd&lunh ys[kkdkj Js.kh ¼fnukad 18-01-2018 ls v/;{k½

18-01-2018 ls 31-03-2018 1 1

2 Jh ,e-ds- tSu & dk;Zdkjh funs'kd 01-04-2017 ls 15-07-2017 3 3

3 Jh Qjhn vgen & dk;Zdkjh funs'kd 18-07-2017 ls 31-03-2018 3 3

4 Jh ,l-vkj- esgj & foÙk ea=ky; ukfer funs'kd 01-04-2017 ls 17-08-2017 4 4

5 Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd 27-09-2017 ls 31-03-2018 2 2

6 Jh ih-ds- tsuk & Hkk-fj-cSad ukfer funs'kd 01-04-2017 ls 31-03-2018 6 6

7 Jh vruq lsu & xSj vkf/kdkfjd funs'kd 30-07-2017 ls 18-01-2018 2 2

8 Jh g"kZ chj flag & 'ks;j/kkjd funs'kd 09-01-2018 ls 31-03-2018 1 1

9 Jh ,l-ih- ccwrk & 'ks;j/kkjd funs'kd 01-04-2017 ls 30-06-2017 3 3

Punjab & Sind Bank

2017-18

1.2.3.

13.02.2018

held

1 18.01.2018 to 31.03.2018 1 1

2 3 3

3 3 3

2 2

2 2

8 Sh. Harsh Bir Singh – Share Holder Director 1 1

Sh. S P Babuta – Shareholders Director 3 3

iatkc ,.M fla/ cSad


4-3 cM+h jkf'k ds /kks[kk/kM+h ekeyksa dh fuxjkuh lfefr%

Hkkjrh; fjtoZ cSad us vius i= fnukad 14 tuojh] 2004 la- vkjchvkbZ@2004-5- Mhch,l-,Qthoh¼,Q½ ua-1004@23-04-01,@2003&04 ds ek/;e ls /kks[kk/kM+h dk irk yxkus] fu;ked rFkk çorZu ,tsafl;ksa dks mldh lwpuk vkSj /kks[kk/kM+h ds vijk/kh ij —R; ds fo:) dkjZokbZ tSls fofHkUu igyqvksa esa foyEc ds fo"k; esa lwfpr fd;k FkkA vr% ;g lq>ko fn;k x;k fd cksMZ dh ,d mi lfefr xfBr dh tk, tks fd dsoy 1 djksM+ :i, vkSj mlls Åij dh jkf'k dh /kks[kk/kM+h laca/kh ekeyksa dh fuxjkuh rFkk vuqorhZ dkjZokbZ dk dk;Z gh djsxhA cksMZ dh ys[kk ijh{kk lfefr lkekU;r% /kks[kk/kM+h ds lHkh ekeyksa dh fuxjkuh tkjh j[ksxhA

lfefr ds eq[; dk;ksZ esa vU; ckrksa ds lkFk&lkFk 1 djksM+ :i, vkSj mlds Åij dh jkf'k dh /kks[kk/kM+h dh fuxjkuh rFkk leh{kk lfEefyr gS rkfd %

d½ /kks[kk/kM+h ds vkijkf/kd —R; esa ç.kkyhxr [kkfe;ksa dk irk yxkus vkSj mu ij fu;a=.k djus ds mik; fd, tk ldsaA

[k½ /kks[kk/kM+h ds irk yxkus esa foyac ds dkj.kksa dh igpku rFkk cSad ,oa Hkkjrh; fjtoZ cSad ds mPp çca/kdksa dks mldh fjiksfVaZxA

x½ lhchvkbZ@iqfyl tkap&iM+rky dh çxfr rFkk olwyh dh fLFkfrA

?k½ ;g lqfuf'pr djuk fd /kks[kk/kM+h ds lHkh ekeyksa esa lHkh Lrjksa ij LVkQ mÙkjnkf;Ro dk ijh{k.k gks vkSj LVkQ ij dkjZokbZ ;fn visf{kr gks rks vfoyac gksA

³½ /kks[kk/kM+h dh iqujko`fÙk ds fuokj.k gsrq dh xbZ mipkjkRed dkjZokbZ dh çHkkoksRikndrk dh leh{kk ;Fkk vkarfjd fu;a=.k dks l'kä djukA

p½ /kks[kk/kM+h ds f[kykQ fuokjd mik;ksa dks l'kä djus gsrq ;Fkko';d vU; mik;ksa dks djukA

31 ekpZ] 2018 dks lfefr dh lajpuk fuEu gS %

Ø-Lka- funs'kd dk uke



3- Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd


foÙkh; o"kZ 2017&18 ds nkSjku lfefr dh cSBdsa vk;ksftr dh xbZ ftudk fooj.k fuEu gS %

15-06-2017 07-09-2017 15-11-2017 13-02-2018

funs'kdksa dk mudh vof/k ds nkSjku mifLFkrh dk fooj.k bl çdkj gS%

uke dk;Zdkymuds dk;Zdky ds n©jku vk;¨ftr cSBdä dh Lka[;k

cSBdä esa LkgHkkfxrk





Jh ,l-vkj- esgj & foÙk ea=ky; ukfer funs'kd 01-04-2017 ls 17-08-2017 1 1

Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd 27-09-2017 ls 31-03-2018 2 2

Jh vruq lsu & xSj vkf/kdkfjd funs'kd 18-07-2017 ls 31-03-2018 3 3

Jh ,l-ih- ccwrk & 'ks;j/kkjd funs'kd 01-04-2017 ls 30-06-2017 1 1

Punjab & Sind Bank

2017-18

above so as to:

same

controls and

1.

2.

3.

13.02.2018

3 3

1 1

2 2

1 1

2 2

3 3

1 1

iatkc ,.M fla/ cSad


Hkkjrh; fjtoZ cSad us vius i= fnukad 16-09-2009 la- Mhch,l-lhvks-,Qvkj,elh- ua- 7@23-04-001@2009&10 }kjk lwfpr fd;k gS fd /kks[kk/kM+h ds ekeyksa esa vko';d dkjZokbZ djus gsrq çHkkoh tkap dh tk, vkSj bldh rqjar lwpuk lgh çkf/kdkjh dks nh tk,A Hkkjrh; fjtoZ cSad dh lykg ij] cSad us ç/kku dk;kZy; fujh{k.k foHkkx ds varxZr~ 1 djksM+ :i, vkSj mlls Åij ds ekeyksa dk fo'ks"k dk;Z djus gsrq dsaæh; l?ku ifjpkyu bdkbZ dh LFkkiuk dh gSA

fnukad 12-12-2012 ds cksMZ ladYi la[;k 20214 ds vuqlkj] ,d Lora= u, foHkkx Þ/kks[kk/kM+h fuxjkuh foHkkxß dh fnukad 07-02-2013 dks ,d gh LFkku ij LFkkiuk dh xbZ gS rkfd fd, x, ç;klksa esa fdlh çdkj dh dksrkgh vkSj deh u gks ldsA iwoZesa /kks[kk/kM+h ds ekeyksa dh nks LFkkuksa ij ns[kHkky dh tkrh Fkh vFkkZr~ #-1 djksM+ ,oa mlls Åij ds ekeyksa dks ç/kku dk;kZy;fujh{k.k foHkkx tcfd #-1 djksM+ ls de jkf'k ds ekeyksa dh ns[kHkky ç-dk- lrdZrk foHkkx }kjk dh tkrh FkhA u, çko/kkuls /kks[kk/kM+h ds ekeyksa dh utnhd ls fuxjkuh] iqjkus /kks[kk/kM+h ds ekeyksa ij rqjar dkjZokbZ vkSj çHkkoh vuqorhZ dkjZokbZ dslkFk ckj&ckj gksus okyh /kks[kk/kM+h dks jksdus gsrq fujks/kkRed mik; fd, tk ldsaxs vkSj ftlls Hkkjrh; fjtoZ cSad dks le; ls/kks[kk/kM+h dh lwpuk nh tk ldsxhA

4-4 cksMZ dh lrdZrk lfefr %

foÙk ea=ky; ds i= fnukad 24-10-1990 la- 10@12@90@lrdZrk@lhohvks dh 'krksZ ds vuq:i] cSad us lrdZrk laca/kh dk;ksZ dh leh{kk ds –f"Vdks.k ls] lrdZrk vuq'kklu laca/kh ekeyksa ds rqjar fuiVku gsrq çHkkoh fuxjkuh vkStkj ds :i esa cksMZ dh ,d lrdZrk lfefr dk fuEu lnL;ksa ds lkFk xBu fd;k gS %

Ø-Lka- funs'kd dk uke1- Jh Qjhn vgen & dk;Zdkjh funs'kd 2- Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd 3- Jh ih-ds- tsuk & Hkk-fj-cSad ukfer funs'kd 4- Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd

foÙkh; o"kZ 2017&18 ds nkSjku lfefr us fuEu fooj.k ds vuqlkj pkj voljksa ij cSBdsa dha %

16-05-2017 07-09-2017 14-11-2017 13-02-2018

funs'kd lnL;ksa dh muds dk;Zdky ds nkSjku lfefr dh vk;ksftr mä cSBdksa esa mudh mifLFkfr laca/kh fooj.k fuEu çdkj gS&



cSBdsa]ftuesa

LkgHkkfxrk dhJh tfrUnjchj flag & v/;{k ,oa çca/k funs'kd 01-04-2017 ls 31-12-2017 3 3Jh ,e-ds- tSu & dk;Zdkjh funs'kd 01-04-2017 ls 15-07-2017 1 1Jh Qjhn vgen & dk;Zdkjh funs'kd 01-04-2017 ls 31-03-2018 4 4Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd 10-10-2017 ls 31-03-2018 2 2Jh ,l-vkj- esgj & foÙk ea=ky; ukfer funs'kd 01-04-2017 ls 17-08-2017 1 1Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd 27-09-2017 ls 31-03-2018 2 2Jh ih-ds- tsuk & Hkk-fj-cSad ukfer funs'kd 01-04-2017 ls 31-03-2018 4 4

4-5- t¨f[ke Áca/ku Lkfefr %

cSad us leLr tksf[keksa dh leh{kk ,oa ewY;kadu djus ds fy, cksMZ Lrj dh tksf[ke çca/ku lfefr dk xBu fd;k gSA

lfefr eq[; rhu tksf[ke fØ;kvksa tSls _.k tksf[ke] cktkj tksf[ke ,oa ifjpkyu tksf[ke dh leh{kk djrh gS vkSj fo"k; ij leqfpr fopkj djrh gS ,oa ;fn vko';d gks rks lgh funsZ'k tkjh djrh gSA

Punjab & Sind Bank

2017-18

1.

2.

3.

13.02.2018

3 3

1 1

2 2

1 1

2 2

iatkc ,.M fla/ cSad


fnukad 31 ekpZ] 2018 dks lfefr dh lajpuk fuEu gS %

Ø-la- funs'kd dk uke1- Jh Qjhn vgen & dk;Zdkjh funs'kd 2- Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd 3- Jh vruq lsu & xSj vkf/kdkfjd funs'kd5- Jh ,e-,l- nknw & xSj vkf/kdkfjd funs'kd6- Jh Vh-vkj- esanhjÙkk & 'ks;j/kkjd funs'kd

foÙkh; o"kZ 2017&18 ds nkSjku lfefr us fuEu fooj.k ds vuqlkj N% voljksa ij cSBdsa dha %

15-05-2017 28-06-2017 07-09-2017 14-11-201726-12-2017 13-02-2018

funs'kd lnL;ksa dh muds dk;Zdky ds nkSjku lfefr dh vk;ksftr mä cSBdksa esa mudh mifLFkfr dk fooj.k fuEukuqlkj gS&

funs'kd dk uke vof/kmuds dk;Zdky ds n©jku vk;¨ftr

cSBdsa

cSBdsa]ftuesa

LkgHkkfxrk dhJh tfrUnjchj flag & v/;{k ,oa çca/k funs'kd 01-04-2017 ls 31-12-2017 5 5Jh ,e-ds- tSu & dk;Zdkjh funs'kd 01-04-2017 ls 15-07-2017 2 2Jh Qjhn vgen & dk;Zdkjh funs'kd 01-04-2017 ls 31-03-2018 6 6Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd 10-10-2017 ls 31-03-2018 3 3Jh vruq lsu & xSj vkf/kdkfjd funs'kd 01-04-2017 ls 31-03-2018 6 6Jh ,l-ih- ccwrk & 'ks;j/kkjd funs'kd 01-04-2017 ls 30-06-2017 2 2Jh ,e-,l- lkjax & 'ks;j/kkjd funs'kd 01-04-2017 ls 30-06-2017 2 1Jh g"kZ chj flag & 'ks;j/kkjd funs'kd 18-07-2017 ls 31-03-2018 4 4Jh Vh-vkj- esanhjÙkk & 'ks;j/kkjd funs'kd 18-07-2017 ls 31-03-2018 4 3

cSad us ,d okLrfod tksf[ke çca/ku ds <k¡ps dk xBu fd;k gS ftlesa tksf[ke çca/ku laxBu <k¡pk] tksf[ke fl)kar] tksf[ke fu;a=.k ,oa tksf[ke ys[kk ijh{k.k lfEefyr gSa tks fd lHkh _.k tksf[ke] cktkj tksf[ke ,oa ifjpkyu tksf[ke vkfn dks igpkuus] çca/ku] fuxjkuh djus ds –f"Vdks.k ls gSA blds ihNs ewy y{; ;g lqfuf'pr djuk gS fd cSad ds ifjpkyu esa LFkkf;Ro ,oa dk;Z{kerk cuh jgs vkSj cSad dh lqj{kk dh Hkh ns[kHkky gksrh jgsA

4-6 xzkgd Lksok Lkfefr %

c¨MZ dh xzkgd Lksok Lkfefr %

cSad us cksMZ dh ,d mi lfefr dk xBu fd;k gS tks fd ^cksMZ dh xzkgd lsok lfefr* ds uke ls tkuh tkrh gSA

31 ekpZ] 2018 dks lfefr ds fuEu lnL; gSa %

Ø-la- funs'kd dk uke1- Jh Qjhn vgen & dk;Zdkjh funs'kd 2- Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd 3- Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd4- Jh ,l-vkj- ?ksMh;k & xSj vkf/kdkfjd funs'kd&lunh ys[kkdkj Js.kh5- Jh Vh-vkj- esanhjÙkk & 'ks;j/kkjd funs'kd

Punjab & Sind Bank

2017-18

1.2.3.

13.02.2018

2 2

3 3

Sh. Shri S P Babuta – Shareholder Director 2 2

2 1

3

1.

2.

3.

iatkc ,.M fla/ cSad


lfefr ds dk;ksZ esa xzkgd lsokvksa dh xq.koÙkk dks csgrj cukus ds fy, lq>ko rFkk uoksUes"kh mik;ksa ds fy, IysVQkeZ dk l`tu djukrFkk lHkh laoxZ ds xzkgdksa gsrq larqf"V ds Lrj esa lq/kkj djuk 'kkfey gS ftlesa vU; ckrksa ds lkFk&lkFk fuEufyf[kr dk lekos'k gS %

i. xzkgd lsok ij 'kh"kZ lfefr ds :i esa dk;Z djrh gS vkSj lkoZtfud lsokvksa dh çfØ;k ,oa ys[kk ijh{kk dk;Zfu"iknu laca/khLFkk;h lfefr ds dk;ksaZ dh ns[kjs[k djuk rFkk xzkgd lsokvksa dh LFkk;h lfefr ¼lh-ih-ih-,-ih-,l-½ dh flQkfj'kksa ds vuqikyudks lqfuf'pr djukA

ii. vf/kfu.kZ; dh rkjh[k ls rhu eghus ls vf/kd vof/k ds xqtj tkus ij Hkh ykxw u fd, x, 'ks"k vf/kfu.kZ;ksa rFkk cSafdaxyksdiky }kjk cSafdax lsok,a çnku djus esa ik;h xbZ dfe;ksa dh fLFkfr dh leh{kk djukA

iii. xzkgd lsok esa xq.koÙkk esa o`f) ykus gsrq uoksUes"kh mik; djuk vkSj lHkh Lrjksa ij xzkgd larqf"V esa lq/kkj djukA

foÙkh; o"kZ 2017&18 ds nkSjku lfefr dh fuEu frfFk;ksa ij cSBdsa gqbZa %

15-05-2017 27-09-2017 15-11-2017 13-02-2018

funs'kdksa dh mifLFkfr dk C;kSjk bl çdkj gS%

funs'kd dk uke vof/k muds dk;Zdky ds n©jku vk;¨ftr

cSBdsa

cSBdsa ftuesa LkgHkkfxrk dh

Jh tfrUnjchj flag & v/;{k ,oa çca/k funs'kd 01-04-2017 ls 31-12-2017 3 3Jh ,e-ds- tSu & dk;Zdkjh funs'kd 01-04-2017 ls 15-07-2017 1 1Jh Qjhn vgen & dk;Zdkjh funs'kd 01-04-2017 ls 31-03-2018 4 4Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd 10-10-2017 ls 31-03-2018 2 2Jh ,l-vkj- esgj & foÙk ea=ky; ukfer funs'kd 01-04-2017 ls 17-08-2017 1 0Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd 27-09-2017 ls 31-03-2018 3 3Jh ,e-,l- lkjax & 'ks;j/kkjd funs'kd 01-04-2017 ls 30-06-2017 1 0Jh Vh-vkj- esanhjÙkk & 'ks;j/kkjd funs'kd 18-07-2017 ls 31-03-2018 3 2

4-7 'ks;j/kkjd@fgr/kkjd laca/k lfefr %

lsch us vius ifji= fnukad 17-04-2014 ds }kjk daiuh vf/kfu;e] 2013 ds çko/kkuksa ds vuqlkj dkiksZjsV xousaZl ls lacaf/kr lwphdj.k djkj ds çko/kkuksa dh leh{kk dh gS vkSj dkiksZjsV xousaZl ls lacaf/kr lwphdj.k djkj ds la'kksf/kr [k.M 49 dks vf/klwfpr fd;k gS tksfd fnukad 01-10-2014 ls çHkkoh gSA [k.M 49¼ ½¼bZ½ ds vuqlkj xSj&vkf/kdkfjd funs'kd dh v/;{krk esa Þ'ks;j/kkjd laca/k lfefrß dk xBu fd;k tk,xk tks 'ks;j/kkjdksa rFkk fuos'kdksa dh dksbZ f'kdk;r] ;fn dksbZ gS] dk fuokj.k djsxhA

va'k/kkjdksa] fMcsapj/kkjdksa vkSj vU; çfrHkwfr/kkjdksa ds ifjoknksa ds fuokj.k djus dh çfØ;k ds fy, 'ks;j/kkjd laca/k lfefr dkxBu fd;k x;k gSA

fnukad 31 ekpZ] 2018 dks lfefr dh lajpuk fuEu çdkj gS %

Ø-la- funs'kd dk uke1- Jh g"kZ chj flag & 'ks;j/kkjd funs'kd v/;{k2- Jh Qjhn vgen & dk;Zdkjh funs'kd lnL;3- Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd lnL;4- Jh Vh-vkj- esanhjÙkk & 'ks;j/kkjd funs'kd lnL;

foÙkh; o"kZ 2017&18 esa lfefr dh fuEu frfFk;ksa ij cSBdsa gqbZ %

16-05-2017 07-09-2017 15-11-2017 09-01-2018

Punjab & Sind Bank

2017-18

ii. Review the status of the Awards remaining unimplemented for more than 3 months from the date of Awards and

13.02.2018

3 31 1

2 2

1 03 31 03 2

investors complaints, if any.

Shareholders, Debenture holders and other security holders.

1. Shri Harsh Bir Singh – Shareholder Director Chairperson2.3.

iatkc ,.M fla/ cSad


lfefr dh mä cSBd esa funs'kdksa dh mifLFkfr muds dk;Zdky ds vuqlkj fuEu çdkj gS %

funs'kd dk uke vof/k muds dk;Zdky ds n©jku vk;¨ftr cSBdsa

cSBdsa ftuesa LkgHkkfxrk dh

Jh tfrUnjchj flag & v/;{k ,oa çca/k funs'kd 01-04-2017 ls 31-12-2017 3 3Jh ,e-ds- tSu & dk;Zdkjh funs'kd 01-04-2017 ls 15-07-2017 1 1Jh Qjhn vgen & dk;Zdkjh funs'kd 01-04-2017 ls 31-03-2018 4 4Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd 10-10-2017 ls 31-03-2018 2 2Jh ,e-,l- lkjax & 'ks;j/kkjd funs'kd 01-04-2017 ls 30-06-2017 1 1Jh ,l-ih- ccwrk & 'ks;j/kkjd funs'kd 01-04-2017 ls 30-06-2017 1 1Jh g"kZ chj flag & 'ks;j/kkjd funs'kd 18-07-2017 ls 31-03-2018 3 3Jh Vh-vkj- esanhjÙkk & 'ks;j/kkjd funs'kd 18-07-2017 ls 31-03-2018 3 3

lfefr fuos'kdksa dh f'kdk;rksa ds fuokj.k ds fy, le;c) :i ls fuxjkuh djrh gSA o"kZ ds nkSjku çkIr ,oa fuokj.k dh xbZ f'kdk;rksa@fuosnuksa dh la[;k dk lkjka'k fuEu çdkj gS%

01-04-2017 dk 'ks"k o"kZ ds nkSjku çkIr o"kZ ds nkSjku fuokj.k 31-03-2018 dks cdk;k

'kwU; 08 08 'kwU;

fnukad 31-03-2018 dks dksbZ Hkh f'kdk;r yafcr ugha FkhA Jh vthr flag vkgwtk] daiuh lfpo dks lsch ds fofu;eu 6 dh 'krksaZ ds vuqlkj ¼lwphdj.k nkf;Ro rFkk çdVhdj.k vfuok;Zrk,a½ vf/kfu;e] 2015 ds rgr cSad ds Þvuqikyu vf/kdkjhß ds :i esa ukfer fd;k x;k gSA

4-8 ekuo lalk/ku lfefr

ekuo lalk/ku fodkl lfefr dk xBu fnukad 05-05-2012 dks cksMZ çLrko la[;k 19841 ds }kjk ekuo lalk/ku dh fodkl'khy ;kstukvksa dks xfr çnku djus vkSj fofHkUu ;wfu;uksa rFkk ,'kksfl,luksa ds lkFk fopkj&foe'kZ djus gsrq fd;k x;k gSA v/;{k ,oa çca/k funs'kd]dk;Zdkjh funs'kd vkSj vU; dksbZ lnL;ksa ds e/; ls dksbZ ,d cSBd ds dksje ds fy, vko';d gSA cSBd dHkh Hkh vko';d gks] dh tk ldrh gS ysfdu frekgh esa de ls de ,d ckj dh tkuh vko';d gSA fnukad 31 ekpZ] 2018 dks lfefr dh lajpuk fuEu çdkj gS%

Ø-la- funs'kd dk uke1- Jh Qjhn vgen & dk;Zdkjh funs'kd2- Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd3- Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd4- Jh ,e-,l- nknw & xSj vkf/kdkfjd funs'kd5- Jh Vh-vkj- esanhjÙkk & 'ks;j/kkjd funs'kd

foÙkh; o"kZ 2017&18 ds nkSjku lfefr dh fuEu frfFk;ksa ij cSBdsa gqbZ %

15-05-2017 29-06-2017 07-09-2017 15-11-2017 13-02-2018

lfefr dh mä cSBd esa funs'kdksa dh mifLFkfr muds dk;Zdky ds vuqlkj fuEu çdkj gS %

funs'kd dk uke vof/k muds dk;Zdky ds n©jku vk;¨ftr cSBdsa

cSBdsa] ftuesa LkgHkkfxrk dh

Jh tfrUnjchj flag & v/;{k ,oa çca/k funs'kd 01-04-2017 ls 31-12-2017 4 4Jh ,e-ds- tSu & dk;Zdkjh funs'kd 01-04-2017 ls 15-07-2017 2 2Jh Qjhn vgen & dk;Zdkjh funs'kd 01-04-2017 ls 31-03-2018 5 5Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd 10-10-2017 ls 31-03-2018 2 2

Punjab & Sind Bank

2017-18


3 31 1

2 21 1

Sh. S P Babuta – Shareholder Director 1 1 Sh. Harsh Bir Singh – Shareholder Director 3 3

3 3

requests/complaints received and resolved during the year are as under:

08 08

1.2.3.

13.02.2018


2 2

2 2

iatkc ,.M fla/ cSad


Jh ,l-vkj- esgj & foÙk ea=ky; ukfer funs'kd 01-04-2017 ls 17-08-2017 2 1Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd 27-09-2017 ls 31-03-2018 2 2Jh vruq lsu & xSj vkf/kdkfjd funs'kd 01-04-2017 ls 15-032018 5 5Jh ,e-,l- nknw & xSj vkf/kdkfjd funs'kd 15-03-2018 ls 31-03-2018 0 0Jh ,e-,l- lkjax & 'ks;j/kkjd funs'kd 01-04-2017 ls 30-06-2017 2 1Jh Vh-vkj- esanhjÙkk & 'ks;j/kkjd funs'kd 18-07-2017 ls 31-03-2018 3 2

4-9 cksMZ dh lwpuk çkS|ksfxdh ;kstuk lfefr %

lwpuk çkS|ksfxdh dh igy esa rhozrk ykus vkSj rduhd ds vU; ykHkksa dks lQy cukus ds –f"Vdks.k ls] fuEu lnL;ksa ds lkFk cksMZ dh lwpuk çkS|ksfxdh lfefr dk;Zjr gSA

fnukad 31-03-2018 dks lfefr dh lajpuk fuEu çdkj gS%

Ø-la- funs'kd dk uke1- Jh Qjhn vgen & dk;Zdkjh funs'kd2- Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd3- Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd4- Jh vruq lsu & xSj vkf/kdkfjd funs'kd 5- Jh ,e-,l- nknw & xSj vkf/kdkfjd funs'kd6- Jh g"kZ chj flag & 'ks;j/kkjd funs'kd


15-05-2017 29-06-2017 07-09-2017 15-11-2017 13-02-2018

funs'kdksa dh lfefr dh mä cSBdksa esa mifLFkfr muds dk;Zdky ds vuqlkj fuEu çdkj gS %


cSBdsa








Jh vruq lsu & xSj vkf/kdkfjd funs'kd 01-04-2017 ls 15-03-2018 5 5

Jh ,e-,l- nknw & xSj vkf/kdkfjd funs'kd 15-03-2018 ls 31-03-2018 0 0

Jh ,l-ih- ccwrk & 'ks;j/kkjd funs'kd 30-01-2017 ls 30-06-2017 2 2


4-10 dk;Zikydksa dh iíksUufr ij cksMZ dh lfefr %

ofj"B Lrj ij inksUufr;ksa dk dk;Z ns[kus ds fy,] funs'kdksa dh lfefr ftlesa v/;{k ,oa çca/k funs'kd vkSj Hkkjr ljdkj rFkk Hkkjrh; fjtoZ cSad ds ukfer funs'kdksa dh lfefr dk xBu fd;k x;k gSA

Punjab & Sind Bank

2017-18

2 1

2 2

0 0

2 1

3 2

comprising of the following members is in place.

1.2.3.

Shri Harsh Bir Singh – Shareholder Director

13.02.2018


2 2

2 2

2 2

2 2

0 0

Shri S P Babuta –Shareholder Director 2 2

Sh. Harsh Bir Singh – Shareholder Director 3 3

iatkc ,.M fla/ cSad


31 ekpZ] 2018 dks lfefr dh lajpuk fuEu çdkj gS %

Ø-la- funs'kd dk uke1- Jh Qjhn vgen & dk;Zdkjh funs'kd2- Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd3- Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd4- Jh ih-ds- tsuk & Hkk-fj-cSad ukfer funs'kd


27-07-2017 19-03-2018


cSBdsa







Jh ih-ds- tsuk & Hkk-fj-cSad ukfer funs'kd 01-04-2017 ls 31-03-2018 2 2

4-11 vihy vkSj leh{kk ds ekeyksa ls fuiVus ds fy, lfefr %

vuq'kklukRed ekeyksa dh leh{kk ;kfpdk rFkk vihyksa ij fu.kZ; ysus ds fy, fnukad 10-08-2016 ds cksMZ çLrko la[;k 22389 }kjk cksMZ dh lfefr dk xBu fd;k x;k gSA

fnukad 31-03-2018 dks lfefr dh lajpuk fuEu çdkj gS %

Ø-la- funs'kd dk uke1- Jh ,l lsYokdqekj & foÙk ea=ky; ukfer funs'kd

2- Jh g"kZ chj flag & 'ks;j/kkjd funs'kd

3- Jh Vh-vkj- esanhjÙkk & 'ks;j/kkjd funs'kd

4-12 olwyh dh fuxjkuh djus gsrq lfefr%

foÙk ea=ky;] Hkkjr ljdkj] foÙkh; lsok,a foHkkx ds i= fnukad 21-11-2012 la[;k ,Q-ua- 7@112@2012&ch-vks-,- ds funsZ'kkuqlkj] funs'kdksa dh ,d lfefr ftlesa v/;{k ,oa çca/k funs'kd] dk;Zdkjh funs'kd rFkk foÙk ea=ky; ds ukfer funs'kd lfEefyr gSa] cSad esa olwyh dh çxfr dh fuxjkuh djus ds fy, dk xBu fd;k x;k gSA


Ø-la- funs'kd dk uke1- Jh Qjhn vgen & dk;Zdkjh funs'kd2- Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd3- Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd4- Jh ,l-vkj- ?ksMh;k & xSj vkf/kdkfjd funs'kd ¼lunh ys[kkdkj Js.kh½ 5- Jh g"kZ chj flag & 'ks;j/kkjd funs'kd

Punjab & Sind Bank

2017-18

1.

2.

3.

1 1

1 1

1 1

1 1

1 1

2 2

1.

2. Shri Harsh Bir Singh – Shareholder Director

3.

dated 21.11.2012.

1.2.3.

Shri Harsh Bir Singh – Shareholder Director

iatkc ,.M fla/ cSad


foÙkh; o"kZ 2017&18 ds nkSjku lfefr dh fuEu frfFk;ksa ij cSBdsa gqbZa %

15-05-2017 27-09-2017 15-11-2017 26-12-2017 13-02-2018

lfefr dh mä cSBdksa esa funs'kdksa dh mifLFkfr muds dk;Zdky ds vuqlkj fuEu çdkj gS %


cSBdsa


Jh tfrUnjchj flag & v/;{k ,oa çca/k funs'kd 01-04-2017 ls 31-12-2017 4 4Jh ,e-ds- tSu & dk;Zdkjh funs'kd 01-04-2017 ls 15-07-2017 1 1Jh Qjhn vgen & dk;Zdkjh funs'kd 01-04-2017 ls 31-03-2018 5 5Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd 10-10-2017 ls 31-03-2018 3 3Jh ,l-vkj- esgj & foÙk ea=ky; ukfer funs'kd 01-04-2017 ls 17-08-2017 1 0Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd 27-09-2017 ls 31-03-2018 4 4Jh ,l-vkj- ?ksMh;k & xSj vkf/kdkfjd funs'kd ¼lunh ys[kkdkj Js.kh½

15-03-2018 ls 31-03-2018 0 0


4-13 'ks;j/kkjd funs'kd pquko lfefr dk fuokZpu& lkoZtfud {ks= ds cSad }kjk ernku %

foÙkh; lsok,a foHkkx] foÙk ea=ky; ds i= fnukad 03-04-2012 dh 'krksaZ ds vuqlkj fofHkUu daifu;ksa] foÙkh; laLFkkuksa vkSj lkoZtfud{ks= ds miØe cSadksa esa 'ks;j/kkjd funs'kdksa ds pquko esa ,d mEehnokj dks leFkZu nsus ij fu.kZ; ysus gsrq cksMZ dh lfefr dk xBu cksMZ ladYi fnukad 05-05-2012 la[;k 19840 }kjk fd;k x;kA


Ø-la- funs'kd dk uke1- Jh Qjhn vgen & dk;Zdkjh funs'kd2- Jh xksfoan ,u Mksaxzs & dk;Zdkjh funs'kd3- Jh ,l-vkj- ?ksMh;k & xSj vkf/kdkfjd funs'kd ¼lunh ys[kkdkj Js.kh½4- Jh Vh-vkj- esanhjÙkk & 'ks;j/kkjd funs'kd

4-14 bjknru pwddrkZ gsrq leh{kk lfefr

dk;Zdkjh funs'kd dh v/;{krk esa ikVhZ dks bjknru pwddrkZ ?kksf"kr djus ds vkns'k dh leh{kk djus gsrq lfefr dk xBu v/;{k ,oa çca/k funs'kd dh v/;{krk esa nks LorU= funs'kdksa ds lkFk fd;k x;k gSA

fnukad 31 ekpZ] 2018 dks lfefr dh lajpuk fuEu çdkj gS %

Ø-la- funs'kd dk uke



3- Jh ,l- lsYok dqekj & foÙk ea=ky; ukfer funs'kd


o"kZ ds nkSjku dksbZ cSBd ugha gqbZ A

4-15 ukekadu lfefr

Hkk-fj-cSad }kjk fu/kkZfjr ekunaM ^fQV ,oa çksij* ds vuqlkj tk¡p] ukekadu çfØ;k ds fy, vko';d lko/kkuh cjrus gsrq fnukad 29-03-2017 ds cksMZ çLrko la[;k 22749 }kjk de ls de rhu lnL;ksa ds lkFk ukekadu lfefr dk xBu fd;k x;k gSA

Punjab & Sind Bank

2017-18

13.02.2018


1 1

3 31 0

0 0Shri Harsh Bir Singh – Shareholder Director

1.

2.

3.

1.

2.

3.

given by RBI

iatkc ,.M fla/ cSad


31 ekpZ] 2018 dks lfefr dh lajpuk fuEu çdkj gS%

Ø-la- funs'kd dk uke1- Jh vruq lsu & xSj vkf/kdkfjd funs'kd 2- Jh ,l-vkj- ?ksMh;k & xSj vkf/kdkfjd funs'kd ¼lunh ys[kkdkj Js.kh½3- Jh ,e-,l- nknw & xSj vkf/kdkfjd funs'kd

foÙkh; o"kZ 2017&18 ds nkSjku lfefr dh fnukad 15-06-2017 dks cSBd gqbZ A4-16 'ks;j varj.k lfefr%

pkj dk;Zikydksa dh lfefr ftlesa rhu egkçca/kd] ,d mi egkçca/kd@lgk;d egkçca/kd gSa] la;kstd ds :i esa daiuh lfpo ds lkFk ,d i[kokM+s esa 'ks;jksa dk laçs"[email protected]@jhesV@MhesV dk vuqeksnu djus ds fy, cSBd djrh gSA cksMZ dh gksus okyh cSBd esa 'ks;jvarj.k lfefr dk dk;Zo`r cksMZ ds le{k çLrqr fd;k tkrk gSA o"kZ 2017&18 ds nkSjku 'ks;j varj.k lfefr dh NCchl cSBdsa vk;ksftr dh xbZaA cSad lqfuf'pr djrk gS fd 'ks;jksa ds çLrqrhdj.k dh fnukad ls 15 fnu ds vanj lHkh 'ks;jksa dk varj.k dj fn;k tk,A

4-17 vU; çdVui½ foÙk ea=ky;] Hkkjr ljdkj }kjk funs'kdksa dh fu;qfä dh tkrh gSA vU; ckrksa ds lkFk&lkFk funs'kdksa ds e/; vkil esa dksbZ fj'rsnkjh ugha gSA

ii½ Lora= funs'kdksa dks nh xbZ dk;Z i)fr dk;ZØe dk fooj.k Þfuos'kdksa dh lwpukß ds 'kh"kZ ds varxZr cSad dh osclkbZV www.psbindia.com ij çdV fd;k x;k gSA

5- funs'kdksa dk ikfjJfed%xSj&dk;Zdkjh funs'kdksa dh ;k=k rFkk Bgjus ij gksus okys O;; lfgr ifjJfed dk Hkqxrku] jk"Vªh;—r cSad ¼çca/ku ,oa fofo/kçko/kku½ ;kstuk] 1970 ¼;Fkk la'kksf/kr½ dh /kkjk 17 esa mfYyf[kr 'krksZ ds vuq:i] le;≤ ij dsaæ ljdkj }kjk Hkkjrh; fjtoZcSad ds ijke'kZ ls tkjh fd, x, fu/kkZj.kksa ds vuqlkj fd;k tk jgk gSA

v/;{k ,oa çca/k funs'kd rFkk dk;Zdkjh funs'kd dks ikfjJfed dk Hkqxrku osru ds :i esa Hkkjr ljdkj }kjk fu/kkZfjr fu;eksads vuqlkj fd;k tkrk gSA v/;{k ,oa çca/k funs'kd rFkk dk;Zdkjh funs'kd dks Hkqxrku fd, x, ikfjJfed dk;Z fu"iknu laca)çksRlkgu dk C;kSjk fuEu çdkj gS %

d- foÙkh; o"kZ 2017&18 ds nkSjku osru ,oa cdk;ksa dk Hkqxrku%

Ø-Lka- uke inuke jkf'k ¼#-½

1- Jh tfrUnjchj flag v/;{k ,oa çca/k funs'kd 21]33]000-00¼01-04-2017 ls 31-12-2017½

2- Jh ,e-ds- tSu dk;Zdkjh funs'kd 6]91]235-64¼01-04-2017 ls 15-07-2017½

3- Jh Qjhn vgen dk;Zdkjh funs'kd 22]44]122-00

4- Jh xksfoan ,u Mksaxzs dk;Zdkjh funs'kd 10]59]945-00¼10-10-2017 ls 31-03-2018½

[k- o"kZ 2017&18 ds nkSjku xSj&dk;Zdkjh funs'kdksa dks fn;k x;k cSBd lgHkkfxrk 'kqYd fuEukuqlkj gS ¼iw.kZ dkfyd funs'kdksa ,oa Hkkjr ljdkj rFkk Hkk-fj- cSad }kjk ukfer funs'kd dks fdlh çdkj dk cSBd lgHkkfxrk 'kqYd ns; ugha gS½ %

Ø-Lka- funs'kd dk uke Hkqxrku dh xbZ jkf'k ¼#-½1 Jh ,l-ih- ccwrk 1]40]0002 Jh ,e-,l- lkjax 1]10]0003 Jh Vh-vkj- esanhjÙkk 2]50]0004 Jh vruq lsu 4]40]0005 Jh g"kZ chj flag 3]50]0006 Jh ,e-,l- nknw 70]0007 Jh ,l-vkj- ?ksMh;k 50]000

dqy ;ksx 14]10]000

Punjab & Sind Bank

2017-18

1.2.3.

Director/s is detailed below:

1 21,33,000.00

2

3 Shri Fareed Ahmed

Sh. Govind N Dongre

1 Sh. S P Babuta2 1,10,0003

Sh. Atanu SenSh. Harsh Bir Singh

Sh. S R Ghedia

iatkc ,.M fla/ cSad


6- vnkoh@nkok u fd, x, ykHkka'k %

cSaddkjh daifu;ksa ¼miØeksa dk vf/kxzg.k ,oa varj.k½ vf/kfu;e] 1980 dh 'krksaZ ds vuqlkj] cSad dks ykHkka'k dh jkf'k ftls viuslacaf/kr ykHkka'k [kkrs esa varfjr dh frfFk ls lkr o"kZ rd vnkoh@vnk ugha fd;k x;k gks] dks daiuh vf/kfu;e] 2013 dh /kkjk125 ds varxZr LFkkfir fuos'kd f'k{kk ,oa lqj{kk fuf/k ¼vkbZ-bZ-ih-,Q-½ esa varfjr djuk vko';d gksxkA

fnukad 31-03-2018 dks ,sls vçnÙk ykHkka'k [kkrksa dk fooj.k fuEukuqlkj gS %

Ø-Lka- vçnÙk ykHkka'k dk fooj.k 31-03-2018 dks 'ks"k jkf'k1- ykHkka'k 2010&11 9]14]428-002- ykHkka'k 2011&12 11]31]106-003- ykHkka'k 2012&13 16]43]247-604- ykHkka'k 2013&14 ¼vUrfje½ 14]08]556-405- ykHkka'k 2013&14 ¼vafre½ 6]56]967-606- ykHkka'k 2014&15 5]19]131-707- ykHkka'k 2015&16 14]39]077-15

7- ÁdVhdj.k %

d½ cSad dk ,slk dksbZ fo'ks"k lacaf/kr ikVhZ ysu&nsu ugha gS tgk¡ cSad ds O;kid fgrksa esa Vdjko dh laHkkouk curh gksA

[k½ lacaf/kr ikVhZ çfof"V;ka uhfr cSad dh osclkbZV www.psbindia.com ij miyC/k gSA

x½ cSad ij foxr~ rhu o"kksZ ds nkSjku iwath cktkj ls lac) fdlh Hkh ekeys esa fdlh Hkh fofu;ked çkf/kdkjh vFkkZr~ LV‚d ,DlpsatvkSj@vFkok lsch }kjk fdlh fu;e] funsZ'kksa ,oa fn'kk&funsZ'kksa dk vuqikyu u djus ds fy,] u rks dksbZ naM yxk;k x;k gS vkSj u gh fdlh çdkj dh HkrZ~luk dh xbZ gSA

?k½ cSad dh ^foly Cyksvj i‚fylh* ifjpkfyr gS vkSj fdlh Hkh O;fä dks bls ns[kus ls jksdk ugha x;k gSA

³½ O;olkf;d mÙknkf;Ro fjiksVZ cSad dh osclkbZV www.psbindia.com ij miyC/k gSA

p½ csly&II vkSj csly&III cSad dh osclkbV www.psbindia.com ij miyC/k gSaA

N½ ykHkka'k forj.k uhfr cSad dh osclkbV www.psbindia.com ij miyC/k gSA

8- vfuok;Z ,oa foosdkèkhu vko';drk,a%

cSad us lsch dh ¼lwph;u nkf;Roksa rFkk çdVu vko';drkvksa@vfuok;Zrkvksa½ vf/kfu;e] 2015 ds vuqlkj ykxw vfuok;Z vko';drkvksadk vuqikyu fd;k gSA lsch dh vuqlwph&II ds Hkkx&bZ ¿fofu;eu 27¼1½À ¼lwph;u nkf;Roksa rFkk çdVu vko';drkvksa½ vf/kfu;e]2015 ds varxZr foosdk/khu vko';drkvksa dks ykxw djus dk ifjek.k fuEu çdkj gS %

Ø-la- foosdkèkhu vko';drk,a dk;kZUo;u dh fLFkfr1- ,d xSj&dk;Zikyd v/;{k daiuh ds O;; ij v/;{k

ds dk;kZy; dk j[kj[kko djus dk ik= gSAykxw ugha] D;ksafd v/;{k dk in dk;Zikyd dk in gSA

2- daiuh ckgjh O;fä dks v/;{k ,oa çca/k funs'kd@lh-bZ-vks- ds in ij fu;qä dj ldrh gSA

Hkkjr ljdkj }kjk cSaddkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½vf/kfu;e] 1980 dh 'krksaZ ds vuq:i v/;{k ,oa çca/k funs'kd dh fu;qfä dh tkrh gSA

3- vafre 6 ekg ds nkSjku] egRoiw.kZ ?kVukvksa ds lkjka'k lfgr foÙkh; dk;Z&fu"iknu dh N%ekgh ?kks"k.kk 'ks;j /kkjdksa dks Hksth tk ldrh gSA

'ks;j/kkjdksa dh lwpuk gsrq frekgh@v/kZ&okf"kZd@okf"kZd foÙkh; ifj.kkeksa dks LV‚d ,Dlpsat Hkstk tkrk gS] çeq[k lekpkj i=ksa esa çdkf'kr djk;k tkrk gS vkSj 'ks;j/kkjdksa dh tkudkjh gsrq cSad dh osclkbZV www.psbindia.com ij Hkh miyC/k djk;k tkrk gSA

4- daiuh dks vifj'kksf/kr foÙkh; foojf.k;ksa dh O;oLFkk dh vksj tk ldrh gSA

cSad dh foÙkh; foojf.k;k¡ vuDokfyQkbM gksrh gSaA

5- vkarfjd ys[kkdkj lh/ks rkSj ls ys[kk ijh{k.k lfefr dks fjiksVZ dj ldrs gSaA

fujh{k.k foHkkx }kjk vkarfjd ys[kkdkjksa dh fjiksVksaZ dks lh/ks rkSj ij ys[kk ijh{k.k lfefr ds le{k j[kk tkrk gSA

Punjab & Sind Bank

2017-18

amount of Dividends that remain unclaimed / unpaid for a period of seven years from the date on which they were transferred

of the Companies Act 2013.

1.2.3.

1.

2. Company may appoint separate persons to the post of

3.

months to be sent to shareholders.

Internal audit reports are directly placed before the Audit

iatkc ,.M fla/ cSad


9- LkaÁs"k.k ds Lkk/ku %

cSad] fodflr lwpuk çkS|ksfxdh ,oa lapkj ds lk/kuksa ds ek/;e ls vius lnL;ksa vkSj fgr/kkjdksa dks muds fgrksa ls lac) tkudkfj;ksads fo"k; esa lwfpr djus dh vko';drk dks le>rk gSA

cSad ds foÙkh; ifj.kkeksa dks funs'kd eaMy dh cSBd esa muds vuqeksnu ds i'pkr] cSBd dh lekfIr ij rRdky mu LV‚d ,Dlpsatksdks çLrqr fd;k tkrk gS tgk¡ ij cSad dh çfrHkwfr;k¡ lwphc) gSaA ;g ifj.kke U;wure nks lekpkj i=ksa esa Hkh çdkf'kr djok,tkrs gSa ¼,d fganh vkSj nwljk vaxzsth½] tSlk Hkh vko';d gksA

cSad ds frekgh@o"kZ nj o"kZ@okf"kZd ifj.kkeksa dh çfr cSad dh osclkbZV & ij miyC/k gSA

Hkkjr esa cSad ds bDoVh 'ks;j fuEu çeq[k nks LV‚d ,Dlpsatksa ij lwphc) gSa %1- cEcbZ LV‚d ,Dlpsat fy-fQj¨t ththÒkW; V‚oLkZ] 25oka ry] nyky LVªhV] Q¨VZ] eqEcbZ 400001ch,LkbZ d¨M% 533295

2- us'kuy LV‚d ,DLkpsat vkWQ bafM;k fy-,DLkpsat Iyktk] ckaæk dqykZ d‚EIysDLk] ckaæk iwoZ] eqEcbZ 400051,u,LkbZ d¨M% ih,Lkch&bZD;w

,u,lMh,y] lhMh,l,y dks vfHkj{kk 'kqYd vkSj ch,lbZ] ,u,lbZ dks ,Dlpsat esa lwphc) lHkh çfrHkwfr;ksa ds lwphdj.k 'kqYd dk vkt rd dk Hkqxrku dj fn;k x;k gSA

cSad }kjk tkjh Vh;j& c‚UMksa ds laca/k esa MsfcV lwph;u djkj ds [kaM rFkk fnukad 29 vDVwcj] 2013 ds lsch ifji= la[;k ifj@vkbZ,eMh@Mh,Q@18@2013 dh 'krksaZ ds vuqlkj fMcsapj VªLVh dk çdVu

ckWUM èkkjdksa gsrq VªLVh

vkbZMhchvkbZ VªLVhf'ki lfoZlst+ fy-iath—r dk;kZy;,f'k;u fcfYMax] Hkwry

17] vkj- dekuh ekxZ] cykMZ ,LVsV] eqEcbZ & 400001nwjHkk"k % ¼022½ 40807000] QSDl % 91&22&66311776 @ 40807080

bZ&esy % [email protected]

,fDll VªLVh lfoZlst fyfeVsMf}rh; ry ^bZ'] ,fDll gkml] c‚Ecs Mkbax fey ifjlj]

iUMwjax cq)dj ekxZ] oyhZ] eqEcbZ & 400025nwjHkk"k % ¼022½ 24252525] QSDl % +91&22&24252525

bZ&esy% [email protected]

foLrkjk vkbZVhlh,y ¼bafM;k½ fyfeVsMvkbZ,y ,aM ,Q,l foÙkh; dsaæ] Iy‚V la[;k lh&22] th Cy‚d] 7oka ry

ckaæk dqykZ d‚EIysDl] ckaæk ¼iwoZ½ eqacbZ 400051] HkkjrnwjHkk"k % ¼022½ 26593535] QSDl % +91&22&26533297

bZ&esy % [email protected]

9-1 ÁfrÒwfr;ä dk vÒ©frdhdj.k %

lsch dh vfuok;Z vHkkSfrd lwph ds varxZr cSad ds 'ks;j vkrs gSa vkSj cSad us vius 'ks;jksa ds vHkkSfrdhdj.k gsrq us'kuy flD;ksfjVhfMi‚ftVjh ¼bafM;k½ fy- ¼,u,lMh,y½ rFkk lsaVªy fMi‚ftVjh lfoZlst ¼bafM;k½ fy- ¼lhMh,l,y½ ds lkFk djkj fd;k gSA 'ks;j/kkjd] ,u,lMh,y vFkok lhMh,l,y ds ikl vius 'ks;jksa dks vHkkSfrdh—r djok ldrs gSaA

Punjab & Sind Bank

2017-18

iatkc ,.M fla/ cSad


31 ekpZ] 2018 dks cSad ds ikl 56]49]12]284 bZDoVh 'ks;j gSa ftuesa ls 56]48]25]735 'ks;j vHkkSfrd :i esa /kkfjr gSa ftudk fooj.kfuEukuqlkj gS %

/kkfjrk dk Lo:i 'ks;jä dh Lka[;k izfr'krHkk Sfrd 86549 0-0015vÒ©frd,u-,Lk-Mh-,y-lh-,l-Mh-,y-*

7]14]51]97049]33]73]765

12-648387-3363

dqy ;ksx 56]49]12]284 100-0000

* fnukad 27-03-2018 dks vkcafVr 16]45]01]257 bfDoVh 'ks;j 'kkfey gSa vkSj bls fnukad 04-04-2018 dks Hkkjr ds jk"Vªifr ¼Hkkjrljdkj½ ds MheSV [kkrs esa tek fd;k x;k FkkA

9-2 bZySDVª‚fud lek'kksèku lsok,a ¼bZ-lh-,l-½

bZySDVª‚fud lek'kks/ku lsok,a Hkqxrku dh vk/kqfud ç.kkyh gS ftlesa lacaf/kr fuos'kd ds [kkrs esa ykHkka'k@C;kt vkfn dh jkf'k lh/ks rkSj ij tek dh tkrh gSA cSad us 'ks;j/kkjdksa dks lHkh dsaæksa ij] tgk¡ Hkkjrh; fjtoZ cSad ds v/khu bZ-lh-,l-@,u-bZ-lh-,l-lqfo/kk,a miyC/k gSa] lsok dk ykHk mBkus dk fodYi fn;k gSA

9-3 'ks;j varj.k ç.kkyh rFkk fuos'kdksa dh f'kdk;rksa dk fuokj.k%

cSad lqfuf'pr djrk gS fd lHkh 'ks;jksa dk varj.k laca/kh leLr dk;Z] mudh çLrqfr dh rkjh[k ls iaæg fnu ds vanj fof/kor :i ls laiUu gks tk,A cksMZ us 'ks;j/kkjdksa] fMcsapj/kkjdksa rFkk vU; çfrHkwfr /kkjdksa dh f'kdk;r fuokj.k djus dh ç.kkyh gsrq fgr/kkjd laca/kksa ij lfefr dk xBu fd;k gSA lfefr fu;fer varjky ij cSBdsa vk;ksftr djrh gS vkSj fuos'kd&f'kdk;rksa dh fLFkfr dh leh{kk djrh gSA cksMZ us 'ks;j varj.k lfefr dk xBu Hkh fd;k gS tks 'ks;jksa ds laçs"[email protected]@jhesV@MhesV dk vuqeksnu djus ds fy, U;wure ,d i[kokM+s esa cSBd djrh gSA

cSad us fyad buVkbZe bafM;k çk- fy- dks vius 'ks;j varj.k ,tsaV ds :i esa fu;qä fd;k gS ftldk dk;Z 'ks;j varj.k] ykHkka'k Hkqxrku] 'ks;j/kkjdksa ds vuqjks/k dks vfHkysf[kr djuk] 'ks;jksa] ykHkka'k vkfn ds eqís ls tqM+s vU; xfrfof/k;ksa ds chp fuos'kdksa dh f'kdk;rksa dk lek/kku lqfuf'pr djuk gSA

fuos'kd vius varj.k foys[k@vuqjks/k@f'kdk;rksa dks fuEu irs ij 'ks;j varj.k ,tsaV dks çsf"kr dj ldrk gS %

Çyd buVkbZe bafM;k Ák- fy-¼;wfuV % iatkc ,.M ÇLk/k cSad½44] dE;wfuVh lsaVj] f}rh; ry] ukjk;.kk vkS|ksfxd {ks=] Qst&I]ih-oh-vkj- ukjk;.kk ds ikl] ubZ fnYyh&110028nwjHkk"k% ¼011½ 41410592 ls 0594QSDl% ¼011½ 41410591bZ esy%

cSad us 'ks;j d{k dh LFkkiuk ç/kku dk;kZy;] 21] jktsaæ Iysl] ubZ fnYyh&110008 esa dh gS] tgk¡ 'ks;j/kkjd vius vuqjks/kksa@f'kdk;rksadks lek/kku gsrq fuEufyf[kr irs ij Hkst ldrs gSa %

iatkc ,.M ÇLk/k cSadç/kku dk;kZy; % ys[kk ,oa ys[kk ijh{kk foHkkx ¼'ks;j d{k½ 21] jktsaæ Iysl] izFke ry] ubZ fnYyh &110008nwjHkk"k % ¼011½ 25782926] 25728930] 25812922QSDl% ¼011½ 25781639bZ&esy% comp co.in

¼mä bZ&esy vkbZMh lsch ¼lwph;u nkf;Roksa rFkk çdVhdj.k vfuok;Zrkvksa½ vf/kfu;e] 2015 ds vf/kfu;e 6¼2½¼Mh½ ds vuqlkj fuos'kdksa dh f'kdk;rksa ij /;ku nsus ds fy, fo'ks"k :i ls cukbZ xbZ gS½

Punjab & Sind Bank

2017-18

Physical

fortnight to approve demat/remat/transfer/transmission of shares.

connected with the issue of Shares, dividend etc.

Punjab & Sind Bank

iatkc ,.M fla/ cSad


10- fuyac [kkrs esa vkcafV;ksa ds vnkoh 'ks;jksa ds laca/k esa fLFkfr dh fjiksVZ ¼31-03-2018½ %

Ø-Lka- fooj.k ,u,lMh,yvkbZ,u301330 &21335661

lhMh,l,y1601010000399414

1- o"kZ ds vkjaHk esa ih,lch vnkoh mpar [kkrs esa iM+s gq, 'ks;jksa dh la[;k 1172 12302- 'ks;j varj.k ds fy, vk, 'ks;j /kkjdksa dh la[;k vkSj 'ks;j /kkjdksa dh la[;k

ftuds 'ks;jksa dks mpar [kkrs ls varfjr fd;k x;k&& &&

3- o"kZ ds var esa ih,lch vnkoh mpar [kkrs esa iM+s gq, 'ks;jksa dh la[;k 1172* 1230*

* çekf.kr fd;k tkrk gS fd bu 'ks;jksa ds oksfVax vf/kdkjksa ij rc rd jksd jgsxh tc rd fd bu 'ks;jksa dk vlyh Lokeh nkok ugha djrk gSA

11- d‚i¨ZjsV xousZaLkcSad us mu i)fr;ksa] ijaijkvksa ,oa lafgrkvksa dks viuk;k gS vkSj mudk ikyu dj jgk gS tks cSad ds fgr/kkjdksa ,oa tekdrkZvksadks xq.koÙkkiw.kZ dkiksZjsV xousaZl dk vk'oklu çnku djrk gSA cSad dh ikjn'khZ LokfeRo lajpuk] lqO;ofLFkr dk;Zikyd çca/kulajpuk] larks"ktud tksf[ke çca/ku i)fr;k¡] cksMZ ,oa ofj"B çca/ku dh fu;qfä;ksa esa ikjnf'kZrk] foLr`r ,oa ifj"—r ys[kk dk;Zfof/ktks fd fujh{k.k çHkkx rFkk Lora= ys[kk ijh{kk QeksaZ }kjk viukbZ tkrh gS] dks ifjyf{kr djrh gSA

12- foÙkh; dSysaMj ¼laHkkfor½ %

foÙkh; o"kZ 1 vçSy] 2017 ls 31 ekpZ] 2018vkBoha okf"kZd lkekU; cSBd dh frfFkvkBoha okf"kZd lkekU; cSBd dk le;vkBoha lkekU; cSBd dk LFky

29-06-2018 ¼'kqØokj½10 cts çkr% dkyLVkQ çf'k{k.k d‚yst] Iy‚V ua-3] lSDVj&3]baLVhVîw'kuy ,fj;k] t;iqj xksYMu vLirky ds ikl]jksfg.kh] fnYyh&110085

cfg;ksa dks can djus dh rkjh[k 23-06-2018 ls 29-06-2018ç‚Dlh QkeZ çkIr djus dh vafre frfFk 23-06-2018 ¼lk;adky 5-00 cts rd½

13- 31 ekpZ] 2018 dks 'ks;j/kkfjrk Lo:i

Ø-Lka- fooj.k 'ks;j/kkjdä dh Lka[;k 'ks;j bfDoVh dk izfr'kr 1- Hkkjr ljdkj ¼çorZd½ 1 483324032 85-562- foÙkh; laLFkku@chek daifu;ka@cSad 16 43080840 7-633- fons'kh laLFkkxr fuos'kd 1 7133 0-004- d‚jiksjsV fudk; 512 3608425 0-645- O;Sfäd fuoklh 113188 25454917 4-516- fgaUnw vfoHkkftr ifjokj 6322 1274587 0-23

7- vfuoklh Hkkjrh; 1041 1052531 0-19

8- fons'kh iksVZQksfy;ks fuos'kd ¼d‚iksZjsV½ 12 6238264 1-10

9- VªLV 8 280722 0-0510- lek'kks/ku lnL; 223 590833 0-10

dqy ;ksx 121324 564912284 100-00

Punjab & Sind Bank

2017-18

1. No. of shares lying in PSB Unclaimed Suspense Account in beginning of the year

1230

2. No. of shareholders who approached for transfer of shares and to whom shares were transferred from Suspense A/c

3. No. of shares lying in PSB Unclaimed Suspense Account at the end of the year

1230*

1. 1

2.

3. 1 0.00

Bodies Corporate

Resident Individuals 113188

Hindu Undivided Family 0.23

Non Resident Indians

8. 12 1.10

8

10. 223 0.10

iatkc ,.M fla/ cSad


14- 31 ekpZ] 2018 dks 'ks;j/kkfjrk ¼'ks;j½ dk Js.kh&okj forj.k

LkaoxZ ekeyä dh Lka[;k ekeyä dk izfr'kr dqy 'ks;j dqy dk izfr'kr

1 & 500 113615 93-6459 9810904 1-7367

501 & 1000 4013 3-3077 3169757 0-5611

1001 & 2000 1940 1-5990 2881811 0-5101

2001 & 3000 601 0-4954 1525969 0-2701

3001 & 4000 273 0-2250 982871 0-1740

4001 & 5000 234 0-1929 1105433 0-1957

5001 & 10000 334 0-2753 2449895 0-4337

10001 vkSj vf/kd 314 0-2588 542985644 96-1186

dqy ;ksx 121324 100-00 564912284 100-00

15- LV‚d ,Dlpsat esa 'ks;j ewY;] 'ks;jksa esa [kjhn&Qjks[r dh ek=k % ¼fnukad 01-04-2017 ls 31-03-2018 rd½

ekg us'kuy LV‚d ,Dlpsat v‚Q bafM;k fy- ¼,u-,l-bZ½ c‚Ecs LV‚d ,Dlpsat fy- ¼ch-,l-bZ-½

mPpre ¼:-½ U;wure¼:-½ [kjhn&Qjks[r dh ek=k ¼la[;k½

mPpre¼:-½

U;wure¼:-½

[kjhn&Qjks[r dh ek=k ¼la[;k½

vçSy] 2017 64-80 55-00 5815002 64-65 55-40 805670

ebZ] 2017 72-30 51-70 9939334 72-30 51-75 1757920

twu] 2017 59-40 49-50 2316564 59-45 49-55 399801

tqykbZ] 2017 57-55 49-30 3343719 57-60 50-00 453664

vxLr] 2017 54-95 47-05 1831029 54-55 47-25 246400

flrEcj] 2017 49-80 45-00 2852126 49-30 45-10 353833

vDVwcj] 2017 56-90 44-85 7219014 56-90 44-45 928874

uoEcj] 2017 55-00 48-30 4177201 54-95 48-50 634630

fnlEcj] 2017 49-70 45-55 1638707 50-80 45-90 174608

tuojh] 2018 51-05 44-70 2930447 50-95 44-85 460725

Qjojh] 2018 46-00 37-45 2714525 46-00 37-50 315263

ekpZ] 2018 39-20 33-40 2586609 38-75 33-40 626965

Punjab & Sind Bank

2017-18 81

% of Cases

1001 – 2000 2881811

2001 – 3000

iatkc ,.M fla/ cSad


16- 31 ekpZ] 2018 dks 'ks;j/kkjdksa dk HkkSxksfyd –f"V ls ¼jkT;okj½ forj.k

Ø-Lka- jkT; ekeys 'ks;j ¼'ks;jä dh Lka[;k½ %1- vaMeku ,oa fudksckj 8 433 0-002- vka/kz çns'k 4744 1813163 0-323- v:.kkpy çns'k 89 19913 0-004- vle 463 112500 0-025- fcgkj 1256 326991 0-066- paMhx<+ 728 208403 0-047- NÙkhlx<+ 580 110999 0-028- neu ,oa nho 6 496 0-009- fnYyh 11835 323639783 57-2910- xksok 179 28408 0-0111- xqtjkr 22545 3496509 0-6212- gfj;k.kk 4056 858309 0-1513- fgekpy çns'k 248 75465 0-0114- tEew ,.M d'ehj 203 74245 0-0115- >kj[kaM 1064 230185 0-0416- dukZVd 5353 1438284 0-2517- dsjy 1316 499559 0-0918- e/;çns'k 3374 876356 0-1619- egkjk"Vª 23523 56516924 10-0020- ef.kiqj 7 1173 0-0021- es?kky; 17 4076 0-0022- fetksje 1 98 0-0023- ukxkySaM 16 3682 0-0024- mM+hlk 770 192127 0-0325- ikafMpsjh 62 13856 0-0026- iatkc 4255 1200579 0-2127- jktLFkku 11116 1811553 0-3228- flfDde 2 250 0-0029- rkfeyukMq 5991 1699938 0-3030- f=iqjk 24 5830 0-0031- mÙkj çns'k 6781 1780904 0-3232- mÙkjk[k.M 593 124203 0-0233- if'pe caxky 8679 2548436 0-4534- ,-ih-vks-@vU; 1440 165198654 29-24

dqy ;ksx 121324 564912284 100-00

Punjab & Sind Bank

2017-18 83

State Cases

1. 8 0.00

2. 0.32

3. 0.00

0.02

BIHAR

CHANDIGARH

0.02

8. 0.00

10. GOA 0.01

11.

12.

13. 0.01

203 0.01

18.

10.00

20. 0.00

21. 0.00

22. 1 0.00

23. 0.00

ORISSA 0.03

0.00

0.21

0.32

28. 2 0.00

0.30

30. 0.00

31. 0.32

32. 0.02

33.

iatkc ,.M fla/ cSad


daiuh çca/ku dh 'krksaZ ds vuqikyu ij ys[kk ijh{kdksa dk çek.k&i=iatkc ,.M fla/k cSad ds lnL;ksa gsrqq

geus iatkc ,.M fla/k cSad ds lwphc) djus laca/kh djkj vkSj lsch ¼lwph;u nkf;Roksa rFkk çdVu vfuok;Zrkvksa½ vf/kfu;eksa] 2015 esafofufnZ"V d‚iksZjsV xousaZl dh 'krksaZ ds çlax esa cSad }kjk 31 ekpZ] 2018 dks lekIr o"kZ gsrq daiuh çca/ku laca/kh vuqikyu fLFkfr dh tkap dh gSA

daiuh çca/ku laca/kh 'krksaZ dk vuqikyu djuk çca/ku dk nkf;Ro gSA gekjh tkap] daiuh çca/ku laca/kh ck/;rkvksa dk vuqikyu lqfuf'prdjus gsrq cSad }kjk viukbZ xbZ çfØ;kvksa vkSj dk;kZUo;u rd lhfer FkhA ;g u rks ys[kk ijh{kk gS vkSj u gh cSad dh foÙkh; foojf.k;ksads fo"k; esa gekjk vfHker gSA

ge viuh jk; rFkk loksZÙke tkudkjh rFkk gesa fn, x, Li"Vhdj.kksa ds vk/kkj ij çekf.kr djrs gSa fd cSad us mijksä lwphc) djkj vkSjlsch ¼lwph;u nkf;Roksa rFkk çdVu vfuok;Zrkvksa½ vf/kfu;eksa] 2015 esa fofufnZ"V d‚iksZjsV xousaZl laca/kh ck/;rkvksa dk vuqikyu fd;k gSA

gekjk ;g Hkh vfHkdFku gS fd mä vuqikyu dk vfHkçk; cSad dh Hkfo"; dh l{kerk ds çfr ;g dksbZ vk'oklu ugha gS vkSj u gh ;g cSad ds dk;Zikydksa ds lapkyu esa çca/ku dh dq'kyrk ,oa çHkkoiw.kZrk ds fo"k; esa gSA

—rs /kou ,.M da- —rs nfoUnj iky flag ,.M da-lunh ys[kkdkj lunh ys[kkdkj

¼nhid diwj½ ¼gjcal flag½ikVZuj ikVZuj,e-ua- 072302 ,e-ua- 099109,Qvkj,u % 002864,u ,Qvkj,u % 007601,u

—rs ,l- eku ,.M da- —rs cynso dqekj ,.M da-lunh ys[kkdkj lunh ys[kkdkj

¼lqHkk"k eku½ ¼cynso xxZ½ikVZuj ikVZuj,e-ua- 080500 ,e-ua- 092225,Qvkj,u % 000075,u ,Qvkj,u % 013148,u

fnukad % 14 ebZ] 2018LFkku % ubZ fnYyh

Punjab & Sind Bank

2017-18

Chartered Accountants Chartered Accountants

Partner Partner


Partner Partner

Place : New Delhi

iatkc ,.M fla/ cSad


funs'kd eaMy]iatkc ,.M ÇLk/k cSad]ubZ fnYyh

egksn;]fo"k;% o"kZ 2017&18 gsrq lsch ¼lwph;u nkf;Roksa rFkk çdVu vfuok;Zrkvksa½

vf/kfu;eksa] 2015 dh vuqlwph& V ds varxZr ?kks"k.kkA;g ?kksf"kr fd;k tkrk gS fd cSad ds funs'kd eaMy ds lnL; rFkk ofj"B çca/ku dkfeZdksa us LV‚d ,Dlpsat ds lkFk lwphc) djus laca/kh djkj rFkk lsch ¼lwph;u nkf;Roksa rFkk çdVu vfuok;Zrkvksa½ vf/kfu;eksa] 2015 dh vuqlwph ds çlax esa fofufnZ"V vkpkj lafgrk dh cSad }kjk 31 ekpZ] 2018 dks lekIr foÙkh; o"kZ ds fy, rnuqlkj vuqikyuk dh iqf"V dj nh gSA mä vkpkj lafgrk dks cSad dh osclkbV www.psbindia.com ij Hkh n'kkZ;k x;k gSA

Ñrs iatkc ,.M ÇLk/k cSad Ñrs iatkc ,.M ÇLk/k cSad

LFkku % ubZ fnYyh ¼xksfoan ,u Mksaxzs½ ¼Qjhn vgen½fnukad % 16 ebZ] 2018 dk;Zdkjh funs'kd dk;Zdkjh funs'kd

lh-bZ-vks-@lh-,Q-vks- çek.khdj.kfuns'kd eaMy]iatkc ,.M ÇLk/k cSad]ubZ fnYyh

egksn;]fo"k;% o"kZ 2017&18 ds fy, lh-bZ-vks-@lh-,Q-vks- çek.khdj.k

lsch ¼ ½] 2015 ds daiuh çca/ku dh vuqlwph–II ds vuqikyu çek.ki= ds Hkkx&ch dh vuqikyuk esa] ge ,rn~ }kjk çekf.kr djrs gSa fd]d- geus foÙkh; fooj.kh rFkk udnh çokg fooj.kh ¼lesfdr½ dh leh{kk dh gS rFkk gekjh vf/kdre tkudkjh ,oa fo'okl ds vuqlkj

1- bu foojf.k;ksa esa dksbZ fo"k;xr vlR; vfHkdFku ugha gS vFkok dksbZ fo"k;xr rF; fNik;k ugha x;k gS vFkok buesa dksbZ HkzkedvfHkdFku 'kkfey ugha fd;k x;k gSA

2- ;s [email protected] cSad ds dk;Zdykiksa dk lgh ,oa Li"V –f"Vdks.k çLrqr djrs gSa rFkk ;s fo|eku ys[kk ekudksa] ykxw fu;eksa,oa fofu;eksa ds vuq:i gSaA

[k- gekjh tkudkjh ,oa fo'okl ds vuqlkj] o"kZ ds nkSjku cSad }kjk ,sls dksbZ laO;ogkj ugha fd, x, tks /kks[kk/kM+h esa fyIr gksa] xSj dkuwuh gksa vFkok cSad dh vkpkj lafgrk ds fo:) gksaA

x- ge foÙkh; lwpuk nsus ls laca) vkarfjd fu;a=.kksa dk iw.kZ nkf;Ro Lohdkj djrs gSaA ge ;g Hkh Lohdkj djrs gSa fd geus foÙkh;lwpuk nsus dh vkarfjd fu;a=.k ç.kkyh dh çHkko'khyrk dk ewY;kadu@vkadyu fd;k gS rFkk geus ys[kk ijh{kdksa vkSj ys[kk lfefrdks vkarfjd fu;a=.kksa ds ifjpkyu ,oa Lo:i ls laca) dfe;ksa ;fn dksbZ gS vFkok tks gekjs vfHkKku esa gS ,oa geus bUgsa nwj djusds tks mik; fd, gS ;k çLrkfor gS] dh tkudkjh ns nh gSA

?k- geus ys[kk ijh{kdksa rFkk ys[kk ijh{kk lfefr dks fuEufyf[kr ls voxr djk;k gS %1- o"kZ ds nkSjku foÙkh; lwpuk nsus ds lanHkZ esa vkarfjd fu;a=.k O;oLFkk esa egRoiw.kZ ifjorZu2- o"kZ ds nkSjku ys[kk uhfr;ksa esa egRoiw.kZ ifjorZu rFkk budk mYys[k foÙkh; fof'kf"V;ksa ds uksV~l esa dj fn;k x;k gS vkSj3- gekjh tkudkjh esa vk, /kks[kk/kM+h laca/kh fof'k"V ekeys rFkk muesa çca/ku vFkok fdlh deZpkjh dh lafyIrrk ftldh foÙkh;fjiksfVaZx esa vkarfjd fu;a=.k ç.kkyh esa vge Hkwfedk gksA

Ñrs iatkc ,.M ÇLk/k cSad Ñrs iatkc ,.M ÇLk/k cSad Ñrs iatkc ,.M ÇLk/k cSad

¼gjfoUæ lpnso½ ¼xksfoan ,u Mksaxzs½ ¼Qjhn vgen½eq[; foÙkh; vf/kdkjh dk;Zdkjh funs'kd dk;Zdkjh funs'kd¼egkçca/kd&ys[kk½

LFkku% uÃ fnYyhfnukad% 16 eÃ] 2018

Punjab & Sind Bank

2017-18

Punjab & Sind Bank

For Punjab & Sind Bank For Punjab & Sind Bank

Place : New Delhi

Punjab & Sind Bank

For Punjab & Sind Bank For Punjab & Sind Bank For Punjab & Sind Bank

Place : New Delhi

iatkc ,.M fla/ cSad


O;olkf;d mÙkjnkf;Ro fjiksVZ[k.M d % daiuh ds laca/k esa lkekU; lwpuk

1- daiuh dh d‚iksZjsV igpku la[;k ¼lh-vkbZ-,u-½ ykxw ugha2- daiuh dk uke iatkc ,.M fla/k cSad3- iath—r irk cSad gkml] 21] jktsaæ Iysl]

ubZ fnYyh & 1100084- osclkbV www.psbindia.com

5- bZ&esy vkbZMh6- fjiksVZ fd;k x;k foÙkh; o"kZ 2017&187- {ks=¼vksa½ ftuesa daiuh dk;Z dj jgh gS ¼vkS|ksfxd xfrfof/k dksM vuqlkj½ cSafdax ,oa foÙk8- rhu eq[; mRiknksa dh lwph nsa ftudk daiuh mRiknu@miyC/k djkrh gS ¼tSlk fd rqyu&i=

esa fn, x, gSa½1- tek,a2- _.k ,oa vfxze3- laxzg.k ,oa foçs"k.k

9- LFkkuksa dh dqy la[;k tgk¡ daiuh }kjk O;olkf;d xfrfof/k;ka dh tk jgh gSad½ varjkZ"Vªh; LFkkuksa dh la[;k ¼çeq[k 5 LFkkuksa dk fooj.k½[k½ jk"Vªh; LFkkuksa dh la[;k

'kwU;1514

10- daiuh }kjk cktkjksa esa çnku dh tk jgh lsok&LFkkuh;@jkT;@jk"Vªh;@varjkZ"Vªh; jk"Vªh;

[k.M [k% daiuh dk foÙkh; fooj.k

1- çnÙk iwath ¼`½ djksM+2- dqy VuZvksoj ¼`½ djksM+3- djk/kku ds ckn dqy ykHk ¼`½ djksM+4- dj ds i'pkr~ ykHk ds çfr'kr ds :i esa d‚iksZjsV lkekftd mÙkjnkf;Ro ¼lh,lvkj½ ij dqy O;; ¼ ½ djksM+5- xfrfof/k;ksa dh lwph ftuesa mä 4 dks O;; fd;k x;k gS@ LoPNrk dk;Z&;kstuk dk

fdz;kUo;u

[k.M x% vU; fooj.k

1- D;k daiuh dh vuq"kaxh daiuh@daifu;ka gSa\ ugha2- D;k vuq"kaxh daiuh@daifu;ka ewy daiuh ds O;kolkf;d nkf;Ro igy esa lgHkkfxrk djrh gSa\]

;fn gk¡ rks ,slh vuq"kaxh daifu;ksa dh la[;k crk,ykxw ugha

;fn gk¡] rks bl çdkj dh laLFkk@laLFkkvksa dk çfr'kr n'kkZ,A ¼30 ls de] 30&60 ] 60 ls vf/kd½

ykxw ugha

[k.M ?k% O;kolkf;d nkf;Roksa laca/kh lwpuk

1- O;kolkf;d nkf;Roksa gsrq mÙkjnk;h funs'kd@funs'kdksa dk fooj.k

,½ O;kolkf;d nkf;Ro i‚fylh@i‚fyfl;ksa gsrq mÙkjnk;h funs'kd@funs'kdksa dk fooj.k

1- MhvkbZ,u ua- ykxw ugha2- uke Jh Qjhn vgen3- inuke dk;Zdkjh funs'kd

Punjab & Sind Bank

2017-18

1. NA

2. Name of the Company

3. Registered Address

www.psbindia.com

8. 1. Deposits2.3.

Nil

10.

1.

2.

3.

1. Does the Company have any Subsidiary Company/Companies?

2.

1. Details of Director/Directors responsible for BR

1. DIN Number N.A.

2. Name Shri Fareed Ahmed

3.

iatkc ,.M fla/ cSad


[k & O;kolkf;d nkf;Ro çeq[k dk fooj.k

Ø-la[;k fooj.k C;kSjk1- MhvkbZ,u ua- ¼;fn ykxw gks½ ykxw ugha2- uke Jherh gjfoUæ lpnso3- inuke egkçca/kd4- VsyhQksu ua- 011&257829285- bZ&esy vkbZMh [email protected]

2- O;kolkf;d nkf;Ro uhfr@uhfr;ksa & fl)karokj¼ ,uohth ds vuqlkj½ ¼gk¡@ugha esa mÙkj nsa½d- vuqikyu dk fooj.k ¼gk¡@ughaa esa mÙkj nsa½

Ø-la- ç'u ih1

ih2

ih3

ih4

ih5

ih6

ih7

ih8

ih9

1- D;k vkids ikl blds fy, uhfr@uhfr;ka gSa gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ ughaa gk¡ gk¡2- D;k uhfr dk çfriknu lacaf/kr fgr /kkjdksa ls ijke'kZ dj fd;k tkrk gS@ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ ughaa gk¡ gk¡

3- D;k uhfr fdlh jk"Vªh;@varjkZ"Vªh; ekudksa ds vuq#i gSa \ ;fn gk¡] rks Li"V djsa ¼50 'kCnksa esa½ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ ughaa gk¡ gk¡

4-D;k uhfr cksMZ }kjk vuqeksfnr dh tkrh gS \ ;fn gk¡] rks D;k ml ij çca/k funs'kd@ekfyd@lhbZvks@mi;qä cksMZ funs'kd }kjk gLrk{kj fd, tkrs gSa\

gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ ughaa gk¡ gk¡

5- D;k dEiuh esa uhfr ds dk;kZUo;u ij utj j[kus ds fy, cksMZ@funs'kd@ vf/kdkfj;ksa dh fof'k"V lfefr gS\ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ ughaa gk¡ gk¡

6- v‚uykbZu ns[kus ds fy, uhfr dk fyad n'kkZ,a ** ** ** ** gk¡ ** ** ** **

7- D;k uhfr ds ckjs esa lacaf/kr leLr vkarfjd o cká fgr /kkjdksa dks lwfpr fd;k tkrk gS\ gk¡ gk¡ gk¡ ughaa gk¡ gk¡ ughaa ughaa gk¡

8- D;k daiuh dh uhfr@uhfr;ksa ds dk;kZUo;u ds fy, dksbZ vkarfjd lajpuk gS\ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ ughaa gk¡ gk¡

9- D;k daiuh ds fgr&/kkjdks dh uhfr@uhfr;ksa ls lacaf/kr f'kdk;rksa ds lek/kku ds fy, uhfr@uhfr;ksa ls lacaf/kr f'kdk;r fuokj.k e'khujh@O;oLFkk gS\ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ ughaa gk¡ gk¡

10- D;k daiuh }kjk fdlh vkarfjd ;k cká ,tsalh ls uhfr dh dk;Zç.kkyh dk Lora= ewY;kadu@ys[kk ijh{k.k djok;k x;k gS\ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ ughaa gk¡ gk¡

cSadksa esa tkjh lHkh uhfr;ka vkj-ch-vkbZ-] foÙk ea=ky;] Hkkjrh; lafo/kku] dkuwuh çfØ;k bR;kfn ds tkjh fn'kk&funsZ'kksa ds vuqlkjdk;kZfUor dh tkrh gSA bl çdkj] os jk"Vªh; ekudksa dh iqf"V djrh gSaA** cSad dh uhfr;ka vkarfjd nLrkost gSa vkSj ;s lkoZtfud ugha gSaA

[k- ;fn fdlh Hkh fl)kar ds Ø-la- 1 ds ç'u dk mÙkj ûghaß gS rks —i;k bldk dkj.k Li"V djsa ¼ 2 fodYiksa rd fVd djsa½

Ø-la- ç'u ih1

ih2

ih3

ih4

ih5

ih6

ih7

ih8

ih9

1- daiuh fl)karksa dks ughaa le> ikbZ fl)kar 7 ds fy, uhfr ugha gksus dk dkj.k

gkykafd fl)kar 7 ds fy, dksbZ fyf[kr uhfr ughaa gS] cSad ns'k ds cMs cSadksa esa ls ,d gksus ds ukrs lkoZtfud fgr] fo'ks"k :i ls lapkyu ,oa ç'kklu ds {ks= esa vkfFkZd lq/kkj] cSafdax {ks= esa lq/kkj] lfEefyr fodkl uhfr;ksa bR;kfn dh csgrjh ds fy, uhfr fu/kkZjdksa rFkk fu;kedksa dk lg;ksxh gSA

2- daiuh bl fLFkfr esa ugha gS fd og fofufnZ"V fl)karksa ij uhfr;ksa dk çfriknu rFkk dk;kZUo;u dj ldsa

3- dEiuh ds ikl bl dk;Z ds fy, foÙkh; rFkk Je'kfä lzks= miyC/k ugha gS4- bls vxys 6 eghus esa laiUu fd, tkus dh ;kstuk gS5- bls vxys 1 o"kZ esa laiUu fd, tkus dh ;kstuk gS6- vU; dksbZ dkj.k ¼—i;k fooj.k nsa½

Punjab & Sind Bank

2017-18

Details of the BR Head

1. N.A.2. Name3.

[email protected]

2.

P P P3

P4

P5

P6

P7

P P9

1. Do you have a policy/policies for N2.

N3.

NHas the policy being approved by the Board? If yes, has it been

N

N** ** ** ** ** ** ** **

Has the policy been formally communicated to all relevant internal N N N

8.policies? NDoes the company have a grievance redressal mechanism related to

policy/policiesN

10.N

P P P3

P4

P5

P6

P7

P P9

1.2.

3.

It is planned to be done within the next one year

iatkc ,.M fla/ cSad


1- O;olkf;d nkf;Roksa ls lacaf/kr lapkyu

¼d½ funs'kd eaMy]cksMZ lfefr ;k lhbZvks }kjk dEiuh ds O;kolkf;d nkf;Ro dk;Z fu"iknu dk vkdyu djus ds fy, lacaf/kr vkof/kdrk dk mYys[k djs% 3 ekg ds Hkhrj] 3 ls 6 ekg] okf"kZd]1 o"kZ ls vf/kd

daiuh ds O;kolkf;d nkf;Roksa ds fu"iknu dk vkdyu djus ds fy, funs'kd eaMy dh okf"kZd cSBd gksrh gSA

¼[k½ D;k daiuh O;olkf;d nkf;Ro ;k çfr/kkj.k fjiksVZ çdkf'kr djrh gS\ bl fjiksVZ dk voyksdu djus gsrq gkbZijfyad D;k gS \ blds çdk'ku dh vof/k D;k gS\

cSad chvkj fjiksVZ dk çdk'ku djrk gS vkSj bldk voyksdu djus gsrq gkbZijfyad www.psbindia.comgSA

[k.M M+% fl)karokj dk;Zfu"iknufl)kar&dkjksckjh dks vius vkidks laO;ogkj uhfrijd ikjn'khZ rFkk mÙkjnk;h }kjk fu;af=r gksuk pkfg,

la- ç'u mÙkj1- D;k uSfrd ewY;] fj'or[kksjh rFkk Hkz"Vkpkjh

laca/kh uhfr esa dsoy la[;k ls tqM+s ekeys dsoy daiuh dks doj djrs gSa\

gk¡@ughaa

D;k bls lewg@la;qämiØeksa@vkiwfrZdrkZvksa@lafonkdkjks@,uthvks@vU;ksa ij ykxw fd;k tkrk gS\

th gka] blesa dsoy cSad ls tqMs ekeys gh 'kkfey gksrs gSaA cSad Hkkjr ljdkj] lh-oh-lh- }kjk tkjh fn'kk&funsZ'kksa ls fu;af=r gksrk gSA

;g o"kZ 1908 Fkk tc ns'k ds xjhcksa esa xjhc ds mRFkku ds fy, HkkbZ ohj flag] lj lqanj flag ethfB;k vkSj ljnkj rjykspu flag tSls fnXxtksa ds nwjn'khZ –f"Vdks.k ds lkFk iatkc ,aM fla/k cSad dk tUe gqvk FkkA

cSad dh LFkkiuk lkekftd çfrc)rk ds fl)kar ij vkfFkZd ç;klksa }kjk lekt ds detksj oxksaZ dh lgk;rk ds fy, muds thou ds Lrj esa o`f) djus gsrq dh xbZ FkhA

gkykafd n'kdksa fudy x, gSa ysfdu vkt Hkh iatkc ,aM fla/k cSad laLFkkid tUenkrkvksa dh lkekftd çfrc)rkvksa dk lEeku djus ds fy, çfrc) gSA

cSad esa Hkz"Vkpkj] vukpkj] xcu dh ?kVukvksa rFkk fuf/k;ksa ds nqfoZfu;kstu dh jksdFkke ds fy, lrdZrk laca/kh fuEufyf[kr O;oLFkk gS%&

1½ vf/kdkfj;ks }kjk okf"kZd lEifÙk fooj.kh ¼,ihvkj½ Hkjh tkrh gS rFkk bldh 100 tkap iMrky dh tkrh gSA

2½ ç-dk-lrdZrk foHkkx }kjk ,sls vf/kdkfj;ksa] ftudh bZekunkjh ,oa fu"Bk lafnX/k ,oa lansgkLin gS] dh loZlEer lwph rS;kj dh tkrh gSA

3½ ekuo lalk/ku fodkl foHkkx }kjk ;g lqfuf'pr fd;k tkrk gS fd mä lwfp;ksa esa 'kkfey vf/kdkfj;ksa dh fu;qfä laosnu'khy txgksa ij u gksA lrdZrk foHkkx }kjk bldh fuxjkuh dh tkrh gS-

ykxw ugha

2- fiNys foÙk o"kZ esa fgr/kkjdks dh fdruh f'kdk;rsa çkIr gqbZ rFkk çca/ku }kjk fdrus çfr'kr f'kdk;rksa dk larks"ktud <ax ls lek/kku fd;k x;k \ ;fn ,slk gS rks 50 'kCnksa esa bldk fooj.k nsa-

orZeku foÙkh; o"kZ 2017&18 ds nkSjku 5923 xzkgd f'kdk;rsa çkIr gqbZ Fkh rFkk buesa ls 5877 ¼99-22 ½ dk larks"ktud <+ax ls lek/kku dj fn;k x;kA cSad us cksMZ }kjk vuqeksfnr xzkgd f'kdk;r fuokj.k uhfr rFkk ,d iw.kZ funsf'kr ,d lqxfBr xzkgd f'kdk;r fuokj.k ç.kkyh LFkkfir dh gSA cSad xzkgd dh larqf"V rFkk mudh vko';drkvksa@vis{kkvksa dks iwjk djus ds çfr ltx ,oa tkx:d gS vkSj cSad bl /kkj.kk ds çfr çfrc) gS fd rduhd çfØ;k] mRikn vkSj LVkQ dkS'ky dk mi;ksx vfuok;Z :i ls xzkgdksa dks mR—"V cSafdax vuqHko çnku djus ds fy, fd;k tk,A

Punjab & Sind Bank

2017-18

1.

assess the BR performance of the company.

1.

NGOs/Others?

Singh.

carried out.

Department.

Not Applicable

2.have been received in the past

management? If so, provide details

put up in place a Customer Grievances Redressal Policy, approved by Board and

iatkc ,.M fla/ cSad


fl)kar 2 O;olk; ds ek/;e ls bl çdkj ds mRikn ,oa lsok,a çnku dh tk,a tks muds lexz thou pØ esa lqjf{kr rFkk lgk;d gks

Ø-la ç'u mÙkj1- vius 3 ,sls mRiknksa ,oa lsokvksa dk mYys[k

djsa ftUgsa lkekftd vFkok i;kZoj.k ds mís';ksa] tksf[keksa rFkk@vFkok voljksa dh –f"V ls fujksfir fd;k x;k gSA

xzkgdksa dh t:jrksa ij fopkj djrs gq, cSad us mRiknksa vkSj lsokvksa dks çnku fd;k gS vkSj ;g lqfuf'pr fd;k gS fd mRikn vkSj lsok,a lkekftd vkSj i;kZoj.k ds eqíksa ds çfr nh?kZdkfyd gSaA

xzhu igy% & cSad us dbZ mRiknksa dh 'kq:vkr dh gS tSls dksj cSafdax lek/kku] baVjusV cSafdax] eksckby cSafdax] ,Vh,eA blds vykok] cSad esa xzhu fiu lqfo/kk miyC/k gS tks xzkgdksa dks MsfcV dkMZ ds fy, MqfIydsV fiu çkIr djus ds fy, l{ke cukrk gSA blds vykok cSad LVkQ] foØsrkvksa vkSj xzkgdksa dks bysDVª‚fud :i ls djus ds fy, Hkqxrku djuk Hkh lqfuf'pr djrk gSA

xzkeh.k Lo jkstxkj çf'k{k.k laLFkku ¼ ½% gekjs cSad esa ih,lch VªLV ds rRoko/kku esa rhu xzkeh.k Lo jkstxkj çf'k{k.k laLFkkuksa dks eksxk] QjhndksV vkSj yqf/k;kuk esa LFkkfir fd;k gSA vkjlsVh] —f"k vkSj xzkeh.k jkstxkj ¼Mh,vkjbZ ds fy, ih,lch VªLV½] fodkl ds fy, cSad ds VªLV ;kuh ih,lch VªLV ds rRoko/kku esa tks Lojkstxkj ds fy, csjkstxkj ;qokvksa ds fy, dk;ZØe çf'k{k.k vk;ksftr@lapkfyr djrs gSaA

foÙkh; lekos'ku%& cSad us oafpr vkSj vukisf{kr oxksaZ dks l'kä djus ds fy, foÙkh; lekos'ku ykxw fd;k gS vkSj cSad bu O;fä;ksa dks cSafdax ç.kkyh ds lkFk tksM+us dk vFkkZr~ ^vioftZr dk lekos'k^^ vkSj mudks lekt dh mRiknd vkfLr cukus dk ç;kl jgk gSA vk/kkj vk/kkfjr [kkrksa dks [kksyus ds fy, chlh fcanqvksa ij bZ&dsokbZlh dks ykxw fd;k x;k gSA

2- ,sls çR;sd mRikn ds fy, lalk/kuksa ds mi;ksx ¼mtkZ] ty] dPpk eky vkfn½ ds laca/k esa çfr ;wfuV mRikn dk fuEufyf[kr fooj.k nsa&

¼,½ bl lanHkZ esa fiNys o"kZ ls lk/kuksa@[email protected] ds nkSjku mi;ksfxrk esa ykbZ xbZ deh-

¼ch½ fiNys o"kZ dh rqyuk esa miHkksäkvksa }kjk mi;ksx ds nkSjku ¼ÅtkZ]ty½ ykbZ xbZ deh-

lsok laLFkk gksus ds dkj.k ;g ykxw ugha

3- D;k daiuh dh lalk/ku çkfIr ds fy, nh?kZdkfyd O;oLFkk miyC/k gS ¼ifjogu O;oLFkk lfgr½

¼,½ ;fn gk¡] rks vkius buiqV~l dk fdruk çfr'kr nh?kZdkfyd çkIr fd;k gS\ A 50 'kCnksa esa bldk fooj.k Hkh nsa-

ykxw ughaa

4- D;k dEiuh us LFkkuh; rFkk y?kq mRikndksa] ftlesa muds dk;Z LFky ds vklikl ds leqnk; Hkh 'kkfey gS] ls mRikn ,oa lsok,a çkIr djus gsrq dksbZ dne mBk, gSa \

¼d½ ;fn gk¡] rks mudh {kerk rFkk LFkkuh; rFkk NksVs foØsrkvksa dh {kerkvksa esa lq/kkj ykus gsrq D;k dne mBk, x, gSa \

ykxw ughaa

Punjab & Sind Bank

2017-18

1.whose design has incorporated social customers and ensured that the products and services are sustainable to social

and environmental issues.

•

Green PIN facility which enables the customers to obtain duplicate PIN for

•

for self employment.

•

been implemented at BC points for opening of Aadhaar based accounts.2. For each such product, provide the

following details in respect of resource

since the previous year throughout the value chain?

achieved since the previous year?3. Does the company have procedures

in place for sustainable sourcing

If yes, what percentage of your inputs was sourced sustainably? Also provide details thereof, in

Not Applicable

improve their capacity and capability of local and small vendors?

Not Applicable

iatkc ,.M fla/ cSad


5- D;k dEiuh ds ikl mRiknksa rFkk csdkj oLrqvksa dh iqufuZekZ.k dh ç.kkyh gS\ ;fn gk¡ rks mRiknksa rFkk csdkj oLrqvksa ds iqufuZekZ.k dk çfr'kr D;k gS\ ¼vyx&vyx tSls ½ lkFk gh 50 'kCnksa esa bldk fooj.k miyC/k djk,a@

ykxw ughaa

fl)kar 3O;olk; ls lHkh deZpkfj;ksa ds fgr lao/kZu gksus pkfg,

Ø-la ç'u mÙkj1- —i;k deZpkfj;ksa dh dqy la[;k dks n'kkZ,a 93212- —i;k vLFkk;h@lafonk@vkdfLed vk/kkj ij fy,

x, deZpkfj;ksa dh la[;k dks n'kkZ,a1 ¼lhlh,lvks½

3- —i;k LFkk;h efgyk deZpkfj;ksa dh la[;k n'kkZ,a 25704- —i;k fnO;kax LFkk;h deZpkfj;ksa dh la[;k n'kkZ,a 1885- D;k vkids ikl dksbZ deZpkjh laxBu gS tks çca/ku ds

}kjk ekU; gSgka

v‚y bafM;k iatkc ,.M fla/k cSad LVkQ v‚xZukbts'ku deZpkfj;ksa dh izeq[k ;wfu;u gSA

6- vkids LFkk;h deZpkfj;ksa dk fdruk çfr'kr bl ekU; deZpkjh laxBu ds lnL; gSa] v‚fQllZ ,lksf'k,'ku]odZeSu ,lksf'k,'ku

v‚y bafM;k iatkc ,.M fla/k cSad LVkQ v‚xZukbts'ku 74-02 ¼odZeSu½

7- —i;k fiNys foÙkh; o"kZ esa cky etnwjh] tcju etnwjh] vuSfPNd etnwjh] ;kSu mRihMu ls lEcfU/kr f'kdk;rksa dh la[;k n'kkZ,a rFkk bl foÙkh; o"kZ ds var rd cdk;k f'kdk;rksa dh fLFkfr n'kkZ,a

Ø-la- Js.kh foÙkh; o"kZ ds nkSjku ntZ dh xbZ f'kdk;rksa dh la[;k

foÙkh; o"kZ ds var esa cdk;k f'kdk;rksa dh la[;k

1- cky etnwjh] tcju etnwjh] vuSfPNd etnwjh 'kwU; 'kwU;2- ;kSu mRihM+u 4 23- vkdfLed@vLFkk;h@lafonk deZpkjh 'kwU; 'kwU;

8- fiNys o"kZ uhps n'kkZ, x, deZpkfj;ksa esa ls fdrus çfr'kr deZpkfj;ksa dks lqj{kk rFkk dkS'ky fodkl mUu;u dk çf'k{k.k fn;k x;k\¼,½ LFkk;h deZpkjh¼ch½ LFkk;h efgyk deZpkjh¼lh½ vkdfLed@vLFkk;h@lafonkdeZpkjh¼Mh½ fnO;kax deZpkjh

48-0042-68'kwU;

40-40

fl)kar 4Ô;olk; esa lHkh fgr/kkjdksa] fo'ks"kdj tks oafpr vkSj detksj gSa]muds fgrksa dk lEeku gksuk pkfg, ,oa muds çfr vf/kd mÙkjnk;h gksuk pkfg,ß

Ø-la- ç'u mÙkj1- D;k daiuh us vius vkarfjd ,oa cká

fgr/kkjd lqfuf'pr dj fy, gSaA gk¡@ugha

th gka] cSad us vius vkarfjd vkSj cká fgr/kkjd lqfuf'pr dj fy, gSaA cSad us oafpr detksj vkSj gkf'k, ij fgr/kkjdksa ds ykHkksa dks çnku djus ds fy, fofHkUu dne mBk, gSaA

2- mijksä esa ls D;k daiuh us oafpr] detksj vkSj gkf'k, ij iM+s fgr/kkjdksa dh igpku dj yh gS \

th gka] cSad oafpr] lhekar rFkk detksj fgr/kkjdksa dh foÙkh; lsokvksa vkSj chek doj ij igq¡p dks ljy cukus ds fy, Hkkjr ljdkj }kjk dh xbZ igyksa vkSj çkFkfedrk {ks= _.k] NksVs vkSj lhekar fdlkuksa ds fy, _.k] detksj oxZ dks _.k] Lo;a lgk;rk lewg vkfn dks _.k çnku djus esa Hkkjrh; fjtaoZ cSad ds fn'kk&funsZ'kksa dk ikyu djrk gSA

Punjab & Sind Bank

2017-18

Does the company have a mechanism to recycle products and waste? If yes, what is the percentage of recycling

Not Applicable

1. Please indicate the total number of employees2. Please indicate the total number of employees hired on

temporary/ contractual/casual basis3. Please indicate the number of permanent women employees

Please indicate the number of permanent employees with 188

•union.

•

pending as on end of the

1. Child labour/forced labour/ involuntary labour2. Sexual harassment 2

3.

8.

1. Has the company mapped its internal

2. Out of the above, has the company

iatkc ,.M fla/ cSad


3- D;k dEiuh us oafpr detksj vkSj gkf'k, ij iMs fgr/kkjdksa dks vkdf"kZr djus ds fy, dksbZ fo'ks"k igy dh gS ;fn gk¡ rks yxHkx 50 'kCnksa esa bldk fooj.k nsa A

cSad us vkarfjd oafpr] detksj vkSj gkf'k, ij iM+s fgr/kkjdksa dks vkdf"kZr djus rFkk mudks ykHk igqpkus ds fy, fofHkUu igy dh gSa muesa ls dqN fuEu gS%&

cSad us —f"k mRiknksa ds ca/kd _.k ¼os;jgkml jlhn ds fo:)½ ds fy, eSallZ lsaVªy os;jgkml d‚jiksjs'ku ¼lhMCY;wlh½] eSallZ jk"Vªh; laxzg.k çca/ku lsok,a fy- ¼,ulh,e,y½ vkSj eSallZ çSLVht cYd gSaMfyax d‚jiksjs'ku ¼ih½ fy- ¼ih,plh,y½ ds lkFk ,evks;w ij gLrk{kj fd, gSA

cSad us cqudjksa dh _.k vko';drkvksa dh iwfrZ djus ds fy, i;kZIr vkSj le;c) lgk;rk miyC/k djkus gsrq #- 5-00 yk[k rd ds _.k gFkdj?kk cqudjksa dks nsus vFkkZr~ yphysiu rFkk de ykxr ij dk;Z'khy iwath ds lkFk&lkFk fuos'k ds ç;kstu gsrq Þih&,lch cqudj eqæk ;kstukß dk 'kqHkkjaHk fd;k gSA

ih,lch QkeZ e'khuhdj.k ;kstuk dks QkeZ ds e'khuhdj.k vFkkZr~ VªSDVj@ dackbZu gkosZLVj@i‚oj fVªyj@jhij@Vª‚yh@iqjkus Vª[email protected] vkfn dks foÙk iksf"kr djus gsrq vkjaHk fd;k x;k gSA

fdlkuksa ds fy, nks ifg;k@thi@dkj@,l;woh@foÙkiks"k.k ds fy, ih,lch ;kstuk —"kd ds fy, nks ifg;k@thi@dkj@,l;woh@foÙkiks"k.k ds fy, 'kq: dh xbZ gSA

cSad us ds-lh-lh- ;kstuk ds varxZr laLoh—[email protected] ds le; Qlyh _.kksa ij #- 3-00 yk[k rd çlaLdj.k 'kqYd lekIr dj fn, gSa vkSj ds-lh-lh- ds okf"kZd uohdj.k çHkkjksa dks vkSfpR;iw.kZ dj fn;k gSA

cSad us lekt ds detksj oxksaZ gsrq jkstxkj ds volj mRiUu djus ds fy, ljy 'krksaZ ij NksVs _f.k;ksa dks eqæk ;kstuk ds varxZr bZ&fjD'kk foÙkiksf"kr djus gsrq Þih,lch bZdks&jkbZM ;kstukß vkjaHk dh gSA bl ;kstuk ds rgr C;kt nj dks ,elh,yvkj esa ?kVk fn;k x;k gSA

ih,e,eokbZ ds varxZr C;kt nj dks de dj fn;k x;k gS vkSj cSad eqæk ;kstuk ds varxZr 2-00 yk[k rd ds _.kksa dks ,elh,yvkj ij çnku dj jgk gSA

eqæk _.kksa ds f'k'kq oxZ ds varxZr ¼#- 50]000@& rd½ ekftZu dks 25 ls ?kVk dj 10 dj fn;k gSA

gekjs cSad esa yqf/k;kuk] eksxk vkSj QjhndksV esa rhu vkj,lVhvkbZ gSa tks Lo&jkstxkj ds fy, csjkstxkj ;qokvksa ds fy, çf'k{k.k dk;ZØe vk;ksftr djrs gSaA —f"k vkSj xzkeh.k jkstxkj ds fodkl ds fy, ih,lch VªLV] vkj,lbZVhvkbZ ds lHkh çf'k{k.k O;;ksa dk ogu djrk gS

eksxk vkSj QjhndksV esa vkj,lVhvkbZ vius Lo;a ds ifjlj esa dke dj jgs gSa vkSj yqf/k;kuk esa vkj,lbZVhvkbZ Hkou dk fuekZ.k dk;Z çxfr ij gSA

vketu esa foÙkh; lk{kjrk QSykus ds mís'; ls] Cy‚d Lrj ij foÙkh; lk{kjrk dsaæ ¼,Q-,y-lh-½ [kksys x, gSaA orZeku esa] gekjs cS ad ds 19 ,Q-,y-lh- dsaæ gSaA Hkk-fj- cSad vkSj ,l-,y-ch-lh- muds dk;Zfu"iknu dh frekgh vk/kkj ij fuxjkuh djrk gSA vkSipkfjd foÙkh; {ks= ls miyC/k fofHkUu foÙkh; mRiknksa vkSj lsokvksa ds laca/k esa xzkeh.k ,oa 'kgjh {ks=ksa ds O;fä;ksa dks fu'kqYd lk{kjrk@f'k{kk miyC/k djkuk ,Q-,y-lh- dk eq[; mís'; gSA

cSad dh osclkbZV dks çfl) djus rFkk foÙkh; lekos'ku esa dk;Z{ks= dkfeZdksa dks çksRlkfgr djus gsrq] cSad us cSad osclkbZV www.psbindia.com ij ,Q-,y-lh-@vkjlsVh ds iksVZy dk 'kqHkkjaHk fd;k gSA

Punjab & Sind Bank

2017-18

3.

with the disadvantaged, vulnerable

words or so.

•

•

•

•

•

•

•

•

•

•

•

•

www.psbindia.com.

iatkc ,.M fla/ cSad


vkarfjd fgr/kkjd%i- vuqlwfpr tkfr@tutkfr oxZ ds dkfeZd% cSad vius deZpkfj;ksa ds lkFk tkfr]laçnk; vkSj /keZ ds vk/kkj ij HksnHkko u djrs gq, ,d leku O;ogkj dh Hkkouk dhuhfr dk vkpj.k djrk gSA cSad vuqlwfpr tkfr@tutkfr oxZ ds dkfeZdksa gsrq dqNfof'k"V ykHk@lqfo/kk,a@lgk;rk miyC/k djkrk gS tSls fd%

d½ fnukad 31-03-2018 dks inksUufr ls iwoZ vuqlwfpr tkfr@tutkfr@vU; fiNM+s oxZ ds dkfeZdksa ftuesa 1486 vuqlwfpr tkfr] 546 vuqlwfpr tutkfr rFkk 1857 vU; fiNM+s oxZ ds deZpkfj;ksa dks inksUufr iwoZ çf'k{k.k çnku fd;k x;kA

[k½ fyfid oxZ ls vf/kdkjh oxZ ds varxZr inksUufr çfØ;k esa Hkkjr ljdkj ds fn'kk&funsZ'kkuqlkj vuqlwfpr tkfr@tutkfr ds dkfeZdksa dks vkj{k.k çnku fd;k x;kA

x½ vuqlwfpr tkfr@tutkfr ds deZpkfj;ksa dh f'kdk;rsa@fo"k;ksa ij çHkkoh :i ls dkjZokbZ djus ds fy, cSad dk ç/kku dk;kZy; Lrj ij egkçca/kd ds in dk vf/kdkjh eq[; leUo; vf/kdkjh ds :i esa fu;qä gSA blds vfrfjä] vkapfyd dk;kZy; Lrj ij ekuo lalk/ku fodkl foHkkx ds v/;{k vuqlwfpr tkfr@tutkfr@vU; fiNM+s oxZ@fnO;kax deZpkfj;ksa ds leUo;d vf/kdkjh ds :i esa dk;Z djrs gSaA

ii- fnO;kax O;fä% cSad] ,d fu;ksäk ds :i esa vius lHkh dkfeZdksa dks ,d lekuvolj çnku djrk gSA fnO;kax deZpkfj;ksa dks vU; dkfeZdksa ds leku gh etnwjh@osru] inksUufr rFkk vU; ykHk çnku fd, tkrs gSaA fodykax O;fä dks dk;Z lkSairsle; bldk mfpr /;ku j[kk tkrk gS fd viuh fodykaxrk ds ckotwn Hkh os lkSaikx;k dk;Z ljyrk ls dj ldsaA fodykax O;fä;ksa dks fo'ks"k :i ls dqN ykHk@vfrfjä ykHk çnku fd, x, gSa tSls fd fu;qfä dk lqfo/kktud LFkku] xzkeh.k@v/kZ&'kgjh fu;qfä ls NwV] okgu HkÙks dk Hkqxrku vkfnA

fl)kar 5Ô;olk; dks i;kZoj.k dk lEeku] lqj{kk rFkk lao/kZu djus gsrq ç;kl djuk pkfg,*

Ø-la- ç'u mÙkj1- D;k daiuh dh ekuokf/kdkj uhfr

dsoy daiuh ls lEc) gS ;k blesa lewg@la;qä m)e@vkiwfrZdrkZ@lafonkdkj@,uthvks@vU; 'kkfey gS\

cSad dh ekuokf/kdkj uhfr;ksa dk çR;{k ;k ijks{k #i ls dsoy cSad ifjpkyu ls gh laca/k gSAcSad bl rF; ls vPNh rjg ls ifjfpr gS fd lHkh O;fä Lora= ,oa leku gS vkSj O;fä;ksa ds ekSfyd vf/kdkjksa dk lEeku vo'; djuk pkfg,AcSad jax] jk"Vªh;rk] fo'okl] /keZ] iwoZtksa] oSokfgd fLFkfr] fyax] vixark] mez ;k vU; fdlh vk/kkj ij çR;{k ;k ijks{k :i ls i{kikr ugha djrk gSA

;kSu mRihM+u dh jksdFkke%cSad dk;ZLFky ij ;kSu mRihMu dks fu"ks) djrk gS vkSj efgyk deZpkfj;ksa dh f'kdk;rksa dk rqjar ,oa rsth ds lkFk fuLrkj.k dks lqfuf'pr djus ds fy, igy dh xbZ gSA dk;ZLFky ij ;kSu mRihMu dh jksdFkke ¼jksdFkke] fu"ks) rFkk fuokj.k½ vf/kfu;e] 2013 ds vuqikyu esa] cSad us çR;sd vapy esa vkarfjd f'kdk;r lfefr dk xBu fd;k gSA ç/kku dk;kZy; Lrj ij vkarfjd f'kdk;r lfefr ds lnL;ksa dk fooj.k cSad dh baVªkusV lkbZV ij miyC/k gSA ç/kku dk;kZy; esa efgyk deZpkfj;ksa dh leL;kvksa ij /;ku nsus ds fy, ,d fo'ks"k efgyk d{k dk l`tu fd;k x;k gS rkfd os eq[; /kkjk esa lgHkkfxrk dj ldsa vkSj mudks mPp nkf;Ro xzg.k djus gsrq çksRlkfgr fd;k tk ldsA

2- foxr foÙkh; o"kZ ds nkSjku fdrus fgr/kkfj;ksa ls f'kdk;rsa çkIr gqbZ gaS vkSj fdrus çfr'kr dks çca/ku }kjk larks"kiw.kZ <+ax ls fuiVk;k x;k \

foÙkh; o"kZ 2017&18 ds nkSjku 'ks;j/kkjdksa ls 8 f'kdk;rsa çkIr gqbZa ftUgsa mfpr :i ls gy fd;k x;k FkkA

Punjab & Sind Bank

2017-18 101

Cadre.

ii.

1. Does the policy of the company on human rights cover only the company

Suppliers/ Contractors/NGOs/Others?

not discriminate on the basis of color, race, belief, religion, ancestry, marital

redressal of the grievances of women employees. In compliance of the Sexual

the problems of the women employees, with a view to encourage them to

2.

resolved by the management?

were duly resolved.

iatkc ,.M fla/ cSad


fl)kar 6Ô;olk; dks i;kZoj.k dk lEeku] laj{k.k ,oa iqu:)kj djus dk ç;kl djuk pkfg,*Ø-la- ç'u mÙkj1- D;k daiuh ds fl)kar 6 ls lacaf/kr uhfr dsoy daiuh

dks doj djrh gS ;k blesa lewg@la;qä m|e@vkiwfrZdrkZ@lafonkdkj@,uthvks@vU; 'kkfey gSA

th g‚a ] ;g uhfr dsoy cSad dks doj djrh gS-

2- D;k daiuh ds ikl HkweaMyh; i;kZoj.k laca/kh ekeyksa tSls okrkoj.k esa ifjorZu] HkweaMyh; rki o`f) bR;kfn ds fy, j.kuhfr gS@daiuh us dksbZ dne mBk, gSa \vxj gk¡ rks osc ist bR;kfn ds fy, gkbZijfyad nsa-

th gk¡]cSad }kjk mBk,a x, fofHkUu dneksa esa lfEefyr gSa%cSad dh _.k nsus dh uhfr ds funsZ'kksa ds vuqlkj] cSad i;kZoj.k dks çHkkfor djus okys@vkstksu dks çHkkfor djus okys inkFkksaZ dk mRiknu djus okyh ubZ bZdkb;ksa dks _.k ugha nsrk gSAvkj-Vh-th-,l-@,u-bZ-,Q-Vh- }kjk _f.k;ksa dks Hkqxrku@_.kksa dk laforj.k fd;k tk jgk gS rkfd dkxt ds mi;ksx ls cpk tk ldsAcSad fu/kkZfjr vkSj ;g lqfuf'pr djrk gS fd m/kkjdrkZ xzkgd fo"kkä çnw"k.k mRlftZr djus okyh fofuekZ.k bdkb;ksa ds ekeys esa dsaæh;@jkT; çnw"k.k fu;a=.k cksMZ ls ,uvkslh çkIr djrk gSAcSad i;kZoj.k vuqdwy ifj;kstukvksa tSls lkSj ÅtkZ] iou pDdh vkSj gkbMªks i‚oj ifj;kstukvksa dks ojh;rk nsrk gSAcSad fo'ks"k voljksa ij o`{kkjksi.k djrk gSA

3- D;k daiuh laHkkfor i;kZoj.k tksf[ke dk fu/kkZj.k@vkdyu djrh gS\ gk¡@ugha

th gk¡] cSad Vh-bZ-oh- v/;;u@ifj;kstuk ewY;kadu esa tksf[ke vkSj laLoh—fr ds le; fopkj dj jgk gSA

4- D;k daiuh ds ikl LoPNrk fodkl ç.kkyh laca/kh dksbZ ifj;kstuk gS \ vxj gS rks]yxHkx 50 'kCnksa esa bldk fooj.k nsa]vkSj ;fn gk¡ rks]D;k i;kZoj.k laca/kh vuqikyu fjiksVZ çLrqr dh xbZ gS \

th gk¡] cSad }kjk dh xbZ fofHkUu gfjr igyksa esa bZ&esy ds mi;ksx dks çksRlkfgr djuk] dksj cSafdax l‚Y;w'ku] vkarfjd cSafdax] eksckbZy cSafdax] ,-Vh-,e- vkfn ls dkxt jfgr cSafdax lfEefyr gSaA

5- D;k dEiuh us çnw"k.k jfgr rduhd] mtkZ n{krk] uohdj.k mtkZ bR;kfn ds fy, dksbZ igy dh gS] ;fn gk¡ ]rks osc ist bR;kfn ds fy, gk;ijfyad nsa-

cSad dh ,slh dksbZ çR;{k ;kstuk ugha gS ysfdu cSad us dbZ ÅtkZ uohdj.k ifj;kstuk,a foÙkiksf"kr dh gSa ftuesa lkSj ÅtkZ] iou pDdh rFkk ty fo|qr ifj;kstuk 'kkfey gSaA

6- D;k fjiksVZ fd, tk jgs foÙkh; o"kZ gsrq dEiuh dk vof'k"V mRiknu@mRltZu] lhihlhch@,lihlhch }kjk vuqer lhek ds vanj gS\

cSad lsok m|ksx esa gS vkSj blfy, fdlh çdkj ds tgjhys@[krjukd çnw"k.k dks iSnk ugha djrk gSA ifj;kstuk _.kksa dks foÙk iksf"kr djrs le;] çnw"k.k fu;a=.k cksMZ vkSj i;kZoj.k ,oa tyok;q ifjorZu ea=ky; ls _.k laLoh—fr ls iwoZ vukifÙk çek.ki= çkIr djuk gekjh çeq[k 'krZ gSA

7- foÙkh; o"kZ ds var esa lhihlhch@,lihlhch ls çkIr yafcr ¼vFkkZr larks"ktud :i ls ugha fuiVk, x,½ dkj.k crkvks@fof/kd uksfVl dh dqy la[;k

'kwU;

fl)kar 7Ô;olk; tc turk ,oa fu;ked uhfr;ksa dks çHkkfor djrk gks] rks mls mÙkjnkbZ iwoZd lEiUu fd;k tkuk pkfg,ßØ-la- ç'u mÙkj1- D;k vkidh dEiuh fdlh VªsM vkSj psEcj ;k laxBu

dh lnL; gS \ ;fn gk¡]rks muesa ls flQZ çeq[k dk uke ftuds lkFk vkidk O;olk; lac) gS-

th gk¡1- Hkkjrh; cSad la?k ¼vkbZch,½2- Hkkjrh; cSafdax vkSj foÙk laLFkku ¼vkbZvkbZch,Q½3- cSafdax dkfeZd p;u laLFkku ¼vkbZchih,l½4- jk"Vªh; cSad çca/k laLFkku ¼,uvkbZch,e½5- fuCld‚e6- cSad cksMZ C;wjks ¼chchch½7- n fDyfjax d‚jiksjs'ku v‚Q bf.M;k fy- ¼lhlhvkbZ½8- us'kuy isesaV d‚jiksjs'ku v‚Q bf.M;k fy- ¼,uihlhvkbZ½

Punjab & Sind Bank

2017-18 103

1.

2.to address global environmental issues such •

• Payment to borrowers/ disbursement of loans is being made by

•

•

•3.

if yes, whether any environmental compliance

company within the permissible limits given

reported?

1. Is your company a member of any trade and

iatkc ,.M fla/ cSad


2- D;k vkius mijksä laxBuksa ds ek/;e ls lkoZtfud fgr dh çxfr@lq/kkj ds fy, leFkZu@çpkj fd;k gS\ ;fn gk¡] rks çeq[k {ks= tSls 'kklu ç.kkyh vkSj ç'kklu]vkfFkZd lq/kkj]lexz fodkl uhfr;k¡] ÅtkZ lqj{kk] [kk/k lqj{kk nh?kZdkfyd O;olk; fl)kar] vU; fofufnZ"V djsaA

cSad] bu laxBuksa ds lnL; gksus ds ukrs uhfr fu/kkZjdksa ,oa uhfr fu/kkZjd laxBuksa ds lkFk çR;{k :i esa dk;Z djrk gS] tks cSafdax m|ksx dh dk;Zi)fr vkSj fu;a=.k laca/kh uhfr;ksa rFkk cSafdax m|ksx ds nh?kZdkfyd fodkl dks 'kkfey djus okyh uhfr;ka rS;kj djus gsrq çHkkoh :i ls dk;Zjr gSA

fl)kar 8ÞO;olk; ls lekos'kh o`f) rFkk lkef;d fodkl dks cy feyuk pkfg,ß

Ø-la- ç'u mÙkj1- D;k dEiuh ds ikl fl)kar 8 ls

lacaf/kr uhfr;ksa dk vuqlj.k djus ds fy, fofufnZ"V dk;ZØe@igy@ifj;kstuk gS\ ;fn gk¡] rks mldk fooj.k nsaA

cSad us lekt dh lexz o`f) rFkk leqfpr fodkl ds fy, dbZ dk;ZØeksa@ifj;kstukvksa@igyksa dks vkjaHk fd;k gS] ftudk fooj.k fuEu gS%&

xzkeh.k Lo&jkstxkj çf'k{k.k laLFkku ¼vkjlsVh½ % gekjs cSad dh yqf/k;kuk] eksxk vkSj QjhndksV esa rhu vkjlsfV;ka gSa tks cSad ds U;kl vFkkZr xzkeh.k jkstxkj ,oa —f"k fodkl gsrq ih,lch VªLV ¼Msvj gsrq ih,lch VªLV½ ds v/khu LFkkfir gaS tksfd csjkstxkj ;qodksa gsrq Lo&jkstxkj dk çf'k{k.k çnku djrh gSaA eksxk vkSj QjhndksV dh vkjlsfV;ka vius ifjlj esa dk;Z dj jgh gSa rFkk yqf/k;kuk vkjlsVh ds Hkou dk fuekZ.k dk;Z py jgk gSAorZeku foÙkh; o"kZ 2017&18 ds nkSjku] lHkh rhuksa vkjlsfV;ksa us 81 dk;ZØe vk;ksftr fd, gSa ftuesa 1894 vkosndksa dks çf'kf{kr fd;k x;k gSA 1894 vkosndksa esa 1166 vkosnd vuqlwfpr tkfr@tutkfr] 326 ch-ih-,y- rFkk 1216 vkosnd efgyk ykHkkFkhZ gSaAvkjlsVh }kjk çf'kf{kr 1894 vkosndksa esa] orZeku foÙkh; o"kZ esa 1206 vkosnd LFkkfir gks x, gSaA 465 mEehnokjksa dks fofHkUu cSadksa ls ØsfMV fydst ds ek/;e LFkkfir dj fn;k x;k gSA

vkjlsfV;ksa ds çf'k{k.k laca/kh O;;ksa dk ogu —f"k fodkl ,oa xzkeh.k jkstxkj gsrq ih,lch VªLV djrk gSAfoÙkh; lk{kjrk dsaæ ¼,Q-,y-lh-½ & vketu esa foÙkh; lk{kjrk QSykus ds mís'; ls] ftyk Lrj ij foÙkh; lk{kjrk dsaæ ¼,Q-,y-lh-½ [kksys x, gSaA orZeku esa] gekjs cSad ds 19 ,Q-,y-lh- dsaæ gSaA Hkk-fj- cSad vkSj ,l-,y-ch-lh- muds dk;Zfu"iknu dh frekgh vk/kkj ij fuxjkuh djrk gSA vkSipkfjd foÙkh; {ks= ls miyC/k fofHkUu foÙkh; mRiknksa vkSj lsokvksa ds laca/k esa xzkeh.k ,oa 'kgjh {ks=ksa ds O;fä;ksa dks fu'kqYd lk{kjrk@f'k{kk miyC/k djkuk ,Q-,y-lh- dk eq[; mís'; gSA

,Q-,y-lh- _f.k;ksa dks Hkh ladV ds le; muds _.kksa dh iqulaZjpuk ;kstukvksa esa Hkh lgk;rk djrh gS vkSj iwoZorhZ foÙkh; laLFkkuksa ls mudk vuqeksnu Hkh djrh gSaA ;|fi] ,Q-,y-lh- fdlh Hkh cSad2cSadksa ds mRikn gsrq fuos'k lykgdkj dsaæksa@ekdsZfVax dsaæksa ds :i esa dk;Z ugha djrs gSaA ijke'kZnkrk ekdsZfVax@chek i‚fyfl;ksa esa fuos'k djus ds laca/k esa lykg miyC/k djkus] çfrHkwfr;ksa esa fuos'k] çfrHkwfr;ksa ds ewY;] çfrHkwfr;ksa dh fcØh@[kjhn] ;k dsoy cSad ds vius mRiknksa dks çksRlkfgr djus vFkok fuos'k djus ij lykg ugha nsrk gSA

3. VªSDVj dY;k.k fuf/k ;kstuk & fdlkuksa dks foLrfjr ches ds Hkkj ls cpkus ds fy,] iatkc,.M fla/k cSad us foLrfjr ches dh 'krZ dks gVk fn;k gSA vc fdlku cSad dh VªSDVjdY;k.k fuf/k ;kstuk dh lnL;rk ys ldrs gSaA VªSDVj dk dsoy FkMZ ikVhZ chek djk;ktk,A fdlku ftlus VªSDVj dY;k.k fuf/k ;kstuk dh lnL;rk gsrq fodYi fn;k gS] dksçfr o"kZ #- 500@& dk va'knku VªSDVj dY;k.k fuf/k ;kstuk esa nsuk gksxkA xaHkhj nq?kZVukds ekeys esa] tgk¡ uqdlku dh jkf'k #- 10]000@& ls vf/kd gS rks VªSDVj dY;k.k fuf/k;kstuk ls vuqekfur gkfu dk 50 miyC/k djk;k tkrk gSA VªSDVj dY;k.k fuf/k ;kstukds lnL; cuus ds lkFk] 9 o"kZ dh vof/k esa fdlku #- 15]000 ls #- 20]000 dh cprdjrk gSA VªSDVj dY;k.k fuf/k ;kstuk dk j[kj[kko Þxzkeh.k jkstxkj ,oa —f"k fodkl gsrqih-,l-ch- VªLVß }kjk fd;k tkrk gSA VªSDVj dY;k.k fuf/k ;kstuk esa ,df=r fuf/k;ksa dkmi;ksx fdlku leqnk; ds fy, fd;k tkrk gSA

Punjab & Sind Bank

2017-18

2. Have you advocated/ lobbied through

1. Does the company have

the policy related to Principle

equitable development as under:

which conducts training programmes for unemployed youth for self employment.

3.

iatkc ,.M fla/ cSad


cSad dks dqy 3192 xk¡o vkcafVr fd, x, gSaA 3192 xk¡oksa rd igq¡p cukus gsrq dqy 961 ,l-,l-,- cuk, x, gSaA cSad }kjk lHkh ,l-,l-,- dks ;k rks baZV vkSj xk<s dh 'kk[kkvksa vFkok lwpuk laçs"k.k rduhd ¼vkbZ-lh-Vh-½ ij vk/kkfjr O;olk; çfrfuf/k ¼ch-lh-½ e‚My ls doj fd;k tk jgk gSA 961 ,l-,l-,- esa ls 351 ,l-,l-,- dks O;olk; çfrfuf/k;ksa ds ek/;e ls rFkk 610 ,l-,l-,- dks orZeku 'kk[kkvksa }kjk doj fd;k x;k gSA bl çdkj] ç/kkuea=h tu/ku ;kstuk ds Qst&1 ds varxZr doj fd;k x;k gS ¼15-08-2014&26-01-2015½A

cSad us vkt rd vkapfyd dk;kZy;ksa@'kk[kkvksa ds ek/;e ls 351 O;olk; çfrfuf/k;ksadks dk;Z ij j[kk gS] mudks lw{e ,-Vh-,e- miyC/k djk;s gS vkSj eSllZ Vh-lh-,l- ds ek/;e ls ,QvkbZ xsVos fØ;kfUor fd;k gSA bl xsVos us cSad fe=ksa dks fcuk fdlh ck/kk ds ysunsu djus ds fy, l{ke fd;kA

'kk[kkvksa ds ek/;e ls dqy 326 djksM+ ds dqy cdk, ds lkFk 16-35 yk[k ch-,l-ch-Mh- [kkrksa dks [kksyk x;k gS vkSj cSad fe=ksa ds ek/;e ls #- 16 djksM+ dh tek ds lkFk 1-92 yk[k [kkrksa dks [kksyk x;k gSA

70595 ch-,l-ch-Mh- [kkrksa esa #- 52-68 yk[k dh vksoj Mªk¶V lqfo/kk yh xbZA #- 8451 djksM+ ds dqy cdk, ds lkFk 232663 fdlku ØsfMM dkMZ tkjh fd, x, gSaA #- 4-74 djksM+ ds dqy cdk, ds lkFk 1634 th-lh-lh- tkjh fd, x, gSaA

ç/kkuea=h tu /ku ;kstukç/kkuea=h tu /ku ;kstuk ¼ih-,e-ts-Mh-okbZ-½ foÙkh; lekos'ku tksfd foÙkh; lsokvksa eq[;r;k% cSafdax@cprksa ,oa tek [kkrksa] foçs"k.k] ØsfMV] chek] lqfo/kktud :i esa isa'ku gsrq jk"Vªh; fe'ku gSA fdlh Hkh cSad dh 'kk[kk vFkok O;olk; çfrfuf/k ¼cSad fe=½ dh vkmVysV ij [kkrk [kksyk tk ldrk gSA ih-,e-ts-Mh-okbZ- [kkrs thjks cSysal ds lkFk [kksys tk jgs gSaA çR;sd O;fä tks ih-,e-ts-Mh-okbZ- ds varxZr [kkrk [kksysxk] #is MsfcV dkMZ çkIr djsxk vkSj #- 1]00]000@& ds nq?kZVuk chek gsrq ik= gksaxsA [kkrs dk 6 eghus rd larks"ktud ifjpkyu gksus ds ckn] os #- 5]000@& rd dh vksoj Mªk¶V lqfo/kk çkIr dj ldrs gSaA vkxs] ftl xzkgd us fnukad 15-08-2014 ls 31-01-2015 ds e/; esa [kkrk [kksyk gS] Hkkjrh; thou chek fuxe ls #- 30]000@& dk vfrfjä eh;knh chek doj çkIr djsaxsA foÙkh; lk{kjrk dk;ZØe ds vfrfjä] [kkrk /kkjdksa dks vU; chek rFkk isa'ku mRikn Hkh miyC/k gksaxsA• cSad us cSafdax O;olk; ds :i esa chlh e‚My cuk;k gS vkSj çR;sd ch-lh- dks y{; çnkufd, x, gSaA

• lHkh O;olk; çfrfuf/k;ksa dks O;fäxr :i ls lw{e ,-Vh-,e- e'khu miyC/k djkbZ xbZgS ftuds ek/;e ls chlh ukekadu ¼cpr [kkrs [kksyuk½] ysu&nsuksa ¼,-bZ-ih-,l- v‚Q&;w-,l- ,oa v‚u ;w-,l-½] udnh tek vkSj vkgj.k] cSysal dh iwNrkN] feuh fooj.kh]vk/kkj çfof"V] #is dkMZ vk/kkfjr fiu&isM ysu&nsuksa ¼v‚ul ,oa v‚Ql½ dj jgs gSaAv‚u&ykbZu@fj;y VkbZe ysu&nsuksa dks vkQ&Ms rFkk v‚Q&VkbZe fd;k tk jgk gSA

• O;olk; çfrfu/kh ljdkjh lkekftd dY;k.k ;kstukvksa ¼ih-,e-ts-ts-ch-okbZ-] ih-,e-,l-ch-okbZ- ,oa ,-ih-okbZ-½ ds varxZr chek i‚fyfl;ksa dks Hkh dj jgs gSaA

• cSad lHkh O;olk; çfrfuf/k;ksa dks U;wure #- 5]000@& $ okgu çHkkj $ ifjorhZ deh'kudk Hkqxrku dj jgk gSA

• fnukad 31-03-2018 rd cSad us ih-,e-ts-Mh-okbZ- ds varxZr 351 cSad fe=ksa rFkk 'kk[kkvksads ek/;e ls 10-79 yk[k [kkrs [kksys gSa ftuesa dklk@,QMh@vkjMh dh #- 594 djksM+dh jkf'k laxzfgr dh gS tks çfr [kkrk vkSlru #- 5505 gSA

• cSad us ih,etsMhokbZ vksMh dks lQyrk iwoZd ,-Vh-,e-@lw{e ,-Vh-,e- ds ek/;e lsykxw fd;k gSA

• ih-,e-ts-Mh-okbZ- [kkrksa esa dqy vk/kkj dh çfof"V 86 gSA• gekjs {ks=h; xzkeh.k cSad ds 'kr&çfr'kr O;olk; çfrfuf/k;ksa dks vkbZ-vkbZ-ch-,Q- }kjk

çekf.kr fd;k x;k gS vkSj gekjs cSad ds 91 O;olk; çfrfuf/k;ksa dks Hkkjrh; cSadj ,oafoÙk laLFkku ¼lHkh cSadksa esa mPpre½½ }kjk çekf.kr fd;k x;k gSA

• cSad dks 283 lw{e ,-Vh-,e- gsrq #- 42-45 yk[k dh vkfFkZd lgk;rk feyh gS tks 2000 ,-bZ-ih-,l- ¼vk/kkj ;qä½ ysu&nsuksa dks ikj dj pqdk gSA gekjk cSad lkoZtfud {ks= ds dqN cSadksa esals ,d gS ftldks lw{e ,-Vh-,e- gsrq ;w-vkbZ-Mh-,-vkbZ- ls ,slh vkfFkZd lgk;rk çkIr gqbZ gSA

Punjab & Sind Bank

2017-18

•

•

•••

would be made available to account holders.•

each BC.•

•

•variable commissions to all BCs.

•

•••

•

iatkc ,.M fla/ cSad


• cSad }kjk vk/kkj tksM+us ds fo'ks"k /;ku ds lkFk] ukekadu] #is dkMZ@fiu forj.k vkSjfØ;k'khy] [kkrksa vkfn ds ifjpkyu ij foÙkh; lk{kjrk djus ds lkFk dSEiksa dk vk;kstufd;k tk jgk gSA

• O;olk; çfrfu/kh ds Lrj ij vk/kkj vk/kkfjr [kkrksa dks [kksyus gsrq bZ&ds-okbZ-lh- dksykxw fd;k x;k gSA

• cSad us lk/kkj.k eksckbZy ij eksckbZy cSafdax ysu&nsuksa dks djus gsrq ;w,l ,lMhlqfo/kk ykxw dh gSA

• lHkh vapyksa rFkk 'kk[kkvksa esa foÙkh; lk{kjrk ds çlkj gsrq ekudh—r foÙkh; lk{kjrklkexzh tSls fd d‚fed cqdysV] v‚fM;ks fotqvy dh vkiwrhZ dh xbZ gSA

• dk;Z{ks= Lrj dh leL;k ds lek/kku rFkk leUo; ds fy, O;olkf;d çfrfuf/k;ksa ds LFkyij ç-dk- ds vf/kdkfj;ksa dk nkSjkA vkapfyd dk;kZy; ij fu;qä ukfer vf/kdkjh dk chlhLFky dk çR;sd ekg nkSjk vkSj çR;sd rFkk lHkh chlh ds okLrfod dk;Zfu"iknu dh fjiksVZAvkapfyd dk;kZy; esa fu;fer cSBd tgk¡ chlh dks ea=ky; ds orZeku fn'kk&funsZ'kksa rFkkmuds ,e@lh rFkk vU; leL;kvksa ls lacaf/kr dh tkudkjh nh tkrh gSA

• geus ,-bZ-ih-,l- v‚Q&vl ysu&nsuksa esa mPp fujLrhdj.k dk fo'ys"k.k fd;k gS vkSjvlQy ysu&nsuksa dks de djus esa mipkjkRed mik; fd, gSaA

• ,Q-,y-lh-lh- ds lkFk leUo; djrs gq, cSad us xzkeh.k vkcknh ds e/; esa foÙkh; lk{kjrkdk çlkj djus gsrq xk¡oksa esa foÙkh; lk{kjrk dSaiksa dk vk;kstu dj igy dh gS tgk¡vk/kkfjd cSaddkjh lsokvksa ds lkFk vU; foÙkh; lsokvksa tSls ih-,e-ts-Mh-okbZ-] ih-,e-ts-ts-okbZ-] ih-,e-,l-ch-okbZ-] ,-ih-okbZ-] vksMh vkfn ds laca/k esa xk¡o okyksa ls fopkj&foe'kZfd;k tkrk gS rkfd os viuh vko';drk vuqlkj bu lqfo/kkvksa dks çkIr dj ldsaA

2- D;k bl dk;ZØe@ifj;kstuk dks vkarfjd Vhe@viuh laLFkk@ckgjh ,uthvks@ljdkjh lajpukvksa@vU; fdlh laxBu ds ek/;e ls pyk;k tkrk gS \

cSad dh vkarfjd Vhe }kjk foÙkh; lekos'ku ifj;kstuk dk dk;Z fd;k tk jgk gSA cSad us bl ç;kstu gsrq vyx ls egkçca/kd ds usr`Ro esa foHkkx dk xBu fd;k gSA—f"k vkSj xzkeh.k jkstxkj ds fodkl ¼Ms;j gsrq ih,lch U;kl½ ds fy, ih-,l-ch VªLV xzkeh.k {ks=ksa esa fdlkuksa ds fy, dbZ dY;k.kdkjh xfrfof/k;ka djrk gSA Ms;jh QkfeZx esa uohure rduhd ls fdlkuksa dks çf'kf{kr djus] xzkeh.k {ks= esa efgyk m|fe;ksa dks tSls Mªsl fMtk;fuax ,oa d<+kbZ dk;Z] VkbZ ,oa MkbZ çf'k{k.k dk;ZØe] C;wVh i‚yZj] tSe vkSj vkpkj cukus vkfn dks çf'kf{kr djus ds fy, fo'ks"k dSaiksa dk vk;kstu fd;k tk jgk gSA ih,lch VhMsvj }kjk iwjs çf'k{k.k dk;ZØe ds O;; ogu fd, tk jgs gSaA

3- D;k vkius dHkh viuh igyksa ds çHkkoksa dk ewY;kadu fd;k gS\

th gk¡] gekjs cSad }kjk ih,etsMhokbZ ds varxZr dh xbZ igy ls lekt ds ,d cM+s rcds dks ykHk igq¡pk gS tks cSaddkjh lqfo/kkvksa ls oafpr Fkk ftlls cSafdax lqfo/kkvksa ls oafpr vkcknh dks vkSipkfjd foÙkh; {ks= esa ços'k feykA geus çfr ifjokj ,d [kkrk [kksy dj lHkh ?kjksa dks lfEefyr fd;k gSA ;g ns[kk x;k fd viuh vfrfjä fuf/k dks cpr djus gsrq Hkjkslsean lzks= tSls cSad [kkrk çkIr djus ds ckn] tks igys cpr djus esa leFkZ ugha Fks] us cpr djus dh vknr fodflr dj yh gSA ;g rF;ksa esa ns[kk x;k gS fd ch-,l-ch-Mh-,- [kkrksa esa vkSlr fuf/k fujarj o`f) dj jgh gSA cSad [kkrk ugha gksus ij ;k rks bl fuf/k dks cSafdax dh eq[; /kkjk esa ugha yk;k x;k gksrk vFkok miHkksx esa gh ;g lekIr gks xbZ gksrhA cSad fe=ksa ds ek/;e ls çfr ekg yxHkx 1-20 yk[k ysu&nsuksa dks fd;k x;k tks n'kkZ jgk gS fd xzkeh.k O;fä;ksa us cSafdax lqfo/kkvksa dk ykHk ysuk 'kq: dj fn;k gSA cSad us ,-Vh-,e- ds ek/;e ls v‚u ykbZu vksMh lqfo/kk fØ;kfUor dj nh gSA bu&fcYV vksojMªk¶V lqfo/kk dh miyC/krk ls mUgsa lgqfy;r gh ugha gqbZ gS vfirq lkgqdkjksa ds paxqy ls mudks /khjs&/khjs NqVdkjk Hkh feyk gSAbl çdkj] ;g mä vkcknh dh cpr djus dh vknrksa ij ldkjkRed çHkko vkSj muds laiw.kZ fodkl gsrq eq[; foÙkh; /kkjk esa lfEefyr gksus dks n'kkZrk gSA orZeku foÙkh; o"kZ 2017&18 esa] gekjs vkjlsVh us 81 çf'k{k.k dk;ZØe vk;ksftr fd, gSa ftuesa 1894 mEehnokjksa dks çf'kf{kr fd;k gSA 1894 mEehnokjksa esa] 1166 mEehnokj vuqlwfpr tkfr@vuqlwfpr tutkfr] ch-ih-,y- ds 326 vkSj 1216 efgyk ykHkkFkhZ gSaA1894 vkjlsVh çf'kf{kr mEehnokjksa esa] orZeku foÙkh; o"kZ esa 1206 mEehnokj LFkkfir gks x, gSaA o"kZ ds nkSjku fofHkUu cSadksa ls _.k çkIr dj 465 mEehnokj LFkkfir gks x, gSaA

Punjab & Sind Bank

2017-18

•

••

on ordinary mobiles.•

•

are being conducted to report the actual performance of each and every BCs.

other problems.•

•

these services as per their requirements.2.

NGO/government structures/

3. Have you done any impact

developing habits of saving money. It can be seen from the fact that average aggregate

clutches of private money lenders.

iatkc ,.M fla/ cSad


cSad us 19 foÙkh; lk{kjrk dsaæksa ¼,Q-,y-lh-½ ds lg;ksx ds lkFk xzkeh.k vkcknh esa foÙkh; lk{kjrk QSykus gsrq x‚oksa esa foÙkh; lk{kjrk dSaiksa dk vk;kstu dj igy dh gS tgk¡ vk/kkfjd cSaddkjh lsokvksa ds lkFk vU; foÙkh; lsokvksa tSls ih-,e-ts-Mh-okbZ-] ih-,e-ts-ts-okbZ-] ih-,e-,l-ch-okbZ-] ,-ih-okbZ-] vksMh vkfn ds laca/k esa x‚o okyksa ls fopkj&foe'kZ fd;k gS rkfd os viuh vko';drk vuqlkj bu lqfo/kkvksa dks çkIr dj ldsA foÙkh; o"kZ 2017&18 esa dqy 1192 dSaiksa dk vk;kstu fd;k x;k ftuesa 60]124 O;fä;ksa us lfØ;rk ls lgHkkfxrk dhA

4- lkeqnkf;d fodkl ifj;kstukvksa esa vkidh daiuh dk çR;{k ;ksxnku D;k gS\¼jkf'k #- esa ,oa çkjaHk dh xbZ ;kstukvksa dk fooj.k½

cSad xzkeh.k {ks=ksa esa dY;k.kdkjh xfrfof/k;ksa dks djus ds fy, viuh lh-,l-vkj- fuf/k ls ih,lch VhMsvj dks va'knku nsrk gSA cSad us vkjlsVh ds Hkou dk fuekZ.k djus gsrq #- 1-15 djksM+ rFkk xzkeh.k csjkstxkj ;qok dks çf'k{k.k lqfo/kk,a çnku djus gsrq #- 24-36 yk[k dk lg;ksx fn;k gSAljdkj us d‚iksZjsV lkekftd ftEesnkfj;ksa ds rgr fofHkUu lkoZtfud {ks= ds cSadksa }kjk /ku [kpZ djus ds fy, dksbZ ekunaM r; ugha fd;k gSA gkykafd] gekjs cSad dh viuh lh,lvkj uhfr funs'kd eaMy }kjk fof/kor vuqeksfnr gSA

5- D;k vkius ;g lqfuf'pr djus ds fy, dksbZ dne mBk;k gS fd leqnk; fodkl igy dks yksxks us lQyrkiwoZd viuk;k gS-;fn gk¡ rks]—i;k 50 'kCnksa esa fooj.k nsaA

cSad us vkjlsVh ls çf'kf{kr vkosndksa dks LFkkfir djus ds fy, Lojkstxkj vFkok _.k çnku djus gsrq dbZ dne mBk, gSaA xzkeh.k O;fä;ksa esa cSad ds çf'k{k.k çnku djus rFkk dkS'ky dks v|frr djus ds ç;kl çfl) gq, gSaA

fl)kar 9Þvius xzkgdksa rFkk miHkksäkvksa ls tqMs jg dj mudks ftEesnkjhiw.kZ <+ax ls O;olk; dks egRo nsuk pkfg,ß

Ø-la- ç'u mÙkj1- bl foÙkh; o"kZ ds var rd fdrus çfr'kr xzkgd

f'kdk;rsa@miHkksäk ekeys yafcr gS\fnukad 31-03-2018 rd 0-78 f'kdk;rsa yafcr FkhA

2- D;k daiuh us mRikn Lrj ij LFkkuh; dkuwu dh vfuok;Zrk ds rgr fu/kkZfjr lwpukvksa ds vfrfjä mRikn laca/kh lwpuk,a çnf'kZr dh gS \ gk¡@ugha

cSad }kjk nh tk jgh lsokvksa vkSj mRiknksa ds fo"k; esa tkudkjh 'kk[kkvksa esa ipksaZ@fMLiys cksMZ vkSj czklj ds ek/;e ls rFkk cSad dh osclkbZV ij miyC/k djkbZ tk jgh gSA

3- D;k fiNys i‚ap o"kksaZ ds nkSjku fdlh fgr/kkjd us dEiuh ds fo:) voS/k O;kikj] xSj ftEesankjkuk foKkiu vkSj@;k xSj çfrLi/kkZRed O;ogkj ds laca/k esa ekeyk ntZ fd;k gS vkSj ;g bl foÙkh; o"kZ rd yafcr gS \ ;fn gS rks yxHkx 50 'kCnksa esa bldk fooj.k nsaA

ykxw ugha

4- D;k vkidh dEiuh us dksbZ miHkksäk larqf"V ço`fr@miHkksäk losZ{k.k djk;k gS \

cSad us cksMZ dh mi&lfefr dk xBu fd;k gS ftldks cksMZ dh xzkgd lsok lfefr ds uke ls tkuk tkrk gS tks fd xzkgd lsok dh xq.koÙkk esa lq/kkj djus ds fy, uoksUes"kh mik; djus vkSj lykg nsus ds fy, eap dk l`tu djus rFkk gj le; lHkh oxksaZ ds xzkgdksa dh larqf"V ds Lrj esa o`f) djus gsrq gSA lfefr f'kdk;rksa vkSj vokMksaZ dh fLFkfr dh leh{kk djrh gSA foÙkh; o"kZ 2017&18 ds nkSjku] lfefr dh fnukad 15@05@2017] 27@09@2017]15@11@2017rFkk 13@02@2018 dks cSBdsa gqbZA cksMZ dh mi&lfefr ds vfrfjä] cSad us Hkkjrh; fjtoZ cSad ¼Hkk-fj- cSad½ ds fn'kk&funsZ'kksa ds vuqlkj cksMZ dh LFkkbZ lfefr dk Hkh xBu fd;k gSA lfefr dk eq[; ,tsaMk gS%&i. cSad }kjk fd, x, xzkgd dsafær mik;ksa dks laKku esa ysukAii. f'kdk;rksa dh fLFkfr vkSj yafcr fu.kZ;ksa dks ykxw djukAiii. orZeku esa lHkh ,Vh,e dks V‚fdax ,Vh,e esa ifjofrZr djus dh ;kstuko cSad dh lHkh 'kk[kkvksa esa ,Vh,eksa dks LFkkfir djus dh fLFkfrA

iv. dkyxzflr tekdrkZvksa@y‚dj ds fdjk,nkjksa@lqjf{kr vfHkj{kk dhoLrqvksa ds tekdrkZvksa ds nkoksa dh fLFkfr \

foÙkh; o"kZ 2017&18 ds nkSjku] lfefr dh fnukad 02@05@2017] 05@08@2017] 25@10@2017 rFkk 28@03@2018 dks cSBdsa gqbZA cSad us o"kZ 2017&18 ds nkSjku tekdrkZvksa dh larqf"V ds okf"kZd losZ{k.k djds xzkgd lsok dks c<+kus esa ,d vkSj igy dh gSA

Punjab & Sind Bank

2017-18 111

in INR and the details of the

its own CSR policy duly approved by its Board of Directors.

that this community development

by the community? Please explain

1.consumer cases are pending as on the end

2. Does the company display product informamade available in the branches through pamphlets/Display boards and

3.against the company regarding unfair trade

Not Applicable

Did your company carry out any consumer

enhancing customer service by carrying out Annual survey of Depositors

iatkc ,.M fla/ cSad


ckly II ds fy, çdVhdj.k 31 ekpZ] 2018 dks lekIr o"kZrfydk Mh ,Q&1 vuqç;ksx dk fo"k; {ks=

xq.kkRed çdVhdj.kd½ bl ox Z d s loks ZÙke cS ad dk uke ftl ij :ijs[kk ykx w gksrh g SA

cS ad ,sl s fdlh ox Z esa ugha vkrk g SA

[k½ fu;ked mís';ksa ds vk/kkj ij rFkk ys[kksa ds lesdu esa fHkUurkvksa dk lkjka'k oxZ ds varxZr vkus okyh çfof"V;ksa dk laf{kIr C;kSjk ¼i½ ftudk iw.kZ #i ls lesdu fd;k x;k gS] ¼ii½ ftudk lekuqikfrd vk/kkj ij lesdu fd;k x;k gS] ¼iii½ ftUgsa NwV nh xbZ gS] rFkk ¼iv½ ftUgsa u rks lesfdr fd;k x;k gS vkSj u gh NwV nh xbZ gSA¼tSls dksbZ tksf[ke Hkkfjr fuos'k½

ykxw ugÈ

ek=kRed çdVhdj.kd½ lHkh lgk;d daifu;ksa dh iwath esa dfe;ksa dh dqy jkf'k ftls lesdu esa lfEefyr ugha fd;k x;k vFkkZRkftUgsa ?kVk;k x;k gS rFkk ftuds uke ,slh lgk;d daifu;ksa ls gVk, x, gSaA

ykxw ugÈ

[k½ cSad dh dqy jkf'k ¼vFkkZr~ pkyw cgh ewY;½ tks chek daifu;ksa esa yxh gS] muesa ls tks tksf[ke Hkkfjr gS] muds uke] muds fuxeu dk laLFkku ;k vkokl] LokfeRo dk va'k rFkk ;fn fHkUu gS rks bu laLFkkuksa esa muds erkf/kdkj 'kfä dk va'kA blds vfrfjä fu;ked iwath cuke NwV ds rjhds ds ç;ksx ls gksus okys ek=kRed çHkko Hkh lwfpr djsaA

ykxw ugÈ

rkfydk Mh ,Q 2 & iwath lajpukxq.kkRed çdVhdj.k

yksvj Vh;j II iwath gsrq fu;e ,oa 'krs±%

cSad us yksvj Vh;j II ds ek/;e ls xkS.k _.kksa ds #i esa opu&i= ds dwiu tkjh fd, gSa] ftudk Hkqxrku okf"kZd@v/kZokf"kZd vk/kkj ij fd;k tkuk gSA bu c‚.Ml dks nslh nj&fu/kkZj.k ,tsafl;ksa ls fof/koRk Js.kh fu/kkZfjr djokus ds ckn tkjh fd;k x;k gSA lHkh cdk;k c‚.Ml jk"Vªh; LV‚d ,Dlpsat] eqEcbZ esa lwphc) gSaA bu c‚.M dh vU; egRoiw.kZ ckrsa gSa%

» c‚.Ml dh vof/k buds tkjh djus dh frfFk ls 118 ekg ls 127 ekg ds chp gksrh gSA

» ;s çi= iw.kZr% pqdrk] çfrHkwfr jfgr rFkk vU; ysunkjksa ds nkoksa ls xkS.k gSa] çfrca/kh [k.M ls eqä gSa vkSj /kkjd ds dgus ij ;kHkkjrh; fjtoZ cSad dh lgefr ds fcuk Hkquk, ugha tk ldrs gSaA

;s çi= viuh vof/k ds vafre i‚ap o"kksaZ ds nkSjku 20 çfro"kZ dh nj ls Øfed Hkqxrku ds v/khu gSaA bl çdkj fd, x, Hkqxrkudh jkf'k dks iWwath i;kZIrrk mís';ksa gsrq Vh;j II iwath esa 'kkfey ugha fd;k x;k gSA

bu çi=ksa ds fuos'kdksa ds nkoksa dks Vh;j I iwath esa 'kkfey djus ds fy, ik= çi=ksa ds fuos'kdksa ds nkoksa ls ojh;rk çnku dh xbZ gSrFkk vU; ysunkjksa ds nkoksa ls xkS.k ekuk x;k gSA

xkS.k _.k çi=] cSad dh Vh;j I iwath ds 50 rd lhfer gksaxs rFkk bu çi=ksa ds lkFk Vh;j II iwath ds vU; laxBd Vh;j I iwathds 100 ls vf/kd ugha gksaxsA

cSad us 1000-00 djksM+ #i;s ds csly III vuqikfyr vfrfjä Vk;j I c‚UM 08-05-2017 dks tkjh fd, gSaA

ek=kRed çdVhdj.k%:- djksM+

d½ fV;j 1 iwath dh jkf'k] fuEu dk vyx ls çdVhdj.k jkf'k& çnr va'k iwath(& vkjf{kfr;‚a(& UoksUes"kh çi= ( 100.00

& vU; iwath çi= ( 0.00

& mi ;ksx& ?kVk,a% Vh;j I iwath ls de dh xÃ jkf'k;‚a ftlesa lk[k vkSj [;kfr 'kkfey gSa dqy Vh;j iwath

Punjab & Sind Bank

2017-18 113

belong to any group

Not Applicable

Not Applicable

Not Applicable

:

Amount--- 1000.00- 0.00--

iatkc ,.M fla/ cSad


[k½ Vh;j II iwath dh dqy jkf'k ¼Vh;j II iwath ls ?kVkus ds ckn cph dqy jkf'k;‚a½x½ mPp Vh;j II iwath esa lfEefyr gksus ;ksX; _.k iwath çi= 'kwU;

& dqy cdk;k jkf'k ykxw ugÈ& blesa ls pkyw o"kZ esa mxkgh xÃ jkf'k ykxw ugÈ& iwathxr fufèk;ksa ds :i esa ekus tkus gsrq ik= jkf'k ykxw ugÈ

?k½ U;wu Vh;j II iwath esa lfEefyr gksus ;ksX; xkS.k _.k& dqy cdk;k jkf'k& blesa ls pkyw o"kZ esa mxkgh xÃ jkf'k& iwathxr fufèk;ksa ds :i esa ekus tkus gsrq ik= jkf'k

M½ iwath ls vU; dVkSfr;k] ;fn dksÃ gSa rks 'kwU;p½ dqy ik= iwath

rkfydk Mh ,Q 3 & iwath i;kZIrrk

xq.kkRed çdVhdj.k

cSad us tksf[ke çca/ku vuqca/k dk dk;kZUo;u djrs le; mPp &dksfV dh oSf'od dk;Z&ç.kkyh dks viukus dh çfØ;k igys ls gh vkjEHk dj nh gS tksfd ckly II dh :ijs[kk ds vuq:i gSA

ckly II ls lacaf/kr fofHkUu ekeyksa ij /;ku nsus ds fy, O;kid tksf[ke çca/ku dk xBu fd;k x;k gSA tksf[ke Hkkfjr vkfLr;ksa] cktkj tksf[kerFkk ifjpkyu tksf[ke esa çR;kf'kr o`f) ds eísutj cSad dh iwathxr vko';drkvksa dks vk¡dus ds fy, frekgh vk/kkj ij leh{kk dh tkrh gSA

cSad fgr/kkjdksa] [kkldj tekdrkZvksa ds fgrksa dh lqj{kk gsrq ,Dlikstj] dkjksckj vkfn ds ewY; esa gkfu ds tksf[ke ds fy, iwath dks xqatkb'k ds :i esa j[krk gSA

orZeku ,oa Hkkoh dkjksckj dk;Zdykiksa ds vk/kkj ij iwath vko';drkvksa dks fu/kkZfjr djus ds fy, cSad esa mfpr ç.kkyh dk;Zjr gS rFkk fujarj mldh fuxjkuh dh tkrh gSA cSad dk ekuuk gS fd iw¡th miyC/krk laiw.kZ çfØ;k dk dsaæh; fo"k; gS vkSj bldh x.kuk dks uhfr] j.kuhfr] dkjksckj Lrj@la?kVu] i;Zos{kh ljksdkj ,oa çdVu eqíksa ls tksM+k tk ldrk gSA bl fn'kk esa cSad us vkarfjd iwath i;kZIrrkewY;kadu çfØ;k ¼vkbZ&lh,,ih½ dk ,d vPNk <kapk rS;kj fd;k gS rFkk LrEHk 1 iw ath x.kuk ds vykok ckly II ds LrEHk 2 ds varxZrHkh vkof/kd varjky ij iwath x.kuk dh tkrh gSA cSad us iwath i;kZIrrk ij çfrdwy ncko ifj–';ksaq ds çHkko dks vkof/kd vk/kkj ij ekiusds fy, ncko tkap uhfr cuk;h gSA

Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa ds vuq:i] cSad us u, iwath i;kZIrrk <kapk & ckly II dks ykxw djus ds fy, fuEufyf[kr vo/kkj.kkvksa dks viuk;k gS %&

» _.k tksf[ke ds fy, ekudh—r vo/kkj.kk» ifjpkyukRed tksf[ke ds fy, ewy lwpd vo/kkj.kk» cktkj tksf[ke ds fy, ekud vof/k vo/kkj.kk

;|fi cSad us orZeku esa mijksäd vo/kkj.kkvksa dks viuk;k gS ij buds vkxs dh vo/kkj.kkvksa dh rjQ vxzlj gksus dh rS;kjh Hkh 'kq: dj nh gSAek=kRed çdVhdj.k

_.k tksf[ke gsrq iwathxr vko';drk,ajkf'k&:i,@djksM+

» 9 dh nj ls ekudh—r –f"Vdks.k ds v/khu iksVZQksfy;ks» çfrHkwfrdj.k ,Dlikst+j 'kwU;

ckt+kj tksf[k+e gsrq iwathxr vko';drk,a % ekudh—r vof/k –f"Vdks.k

lkekU; ckt+kj tksf[k+e ij iwath çHkkj jkf'k&:i,@djksM+» C;kt&nj tksf[k+e» fons'kh fofue; tksf[k+e ¼Lo.kZ lfgr½» bfDoVh tksf[k+e

Punjab & Sind Bank

2017-18

- NA- Of which amount raised during the current year NA- NA

-- Of which amount raised during the current year.-

– Basel II.

-- Nil

--

-

iatkc ,.M fla/ cSad


ifjpkyu tksf[k+e gsrq iwathxr vko';drk,a %

jkf'k&:i,@djksM+ewy lwpd –f"Vdks.k 388-65

cSad gsrq dqy rFkk fV;j I iwath vuqikr%

cklsy II ds vuqlkj dqy iwath vkSj tksf[k+e Hkkfjr vkfLr vuqikrcklsy II ds vuqlkj fV;j I iwath vkSj tksf[k+e Hkkfjr vkfLr vuqikr

rkfydk Mh ,Q 4 _.k tksf[k+e % lkekU; çdVhdj.kxq.kkRed ÁdVhdj.k

d- fiNyk cdk;k ,oa vutZd [kkrksa dh ifjHkk"kk

cSad us xSj&fu"ikfnr vkfLr;ksa ¼,u-ih-,-½ ds oxhZdj.k ij Hkkjrh; fjtoZ cSad }kjk tkjh ewy foosdiw.kZ fn'kk&funsZ'kksa dk fuEukuqlkjvuqikyu fd;k gS%

d½ tgka fe;knh _.k ds ekeys esa C;kt rFkk@vFkok ewy/ku dh fd'r 90 fnu ls vf/kd vof/k ds fy, vfrns; jgrh gksA

[k½ ;fn cdk;k jkf'k] laLoh—r [email protected] 'kfä ls 90 fnu ls vf/kd le; rd fujarj vf/kd jgrh gSa rFkk@vFkok vf/kfod"kZ@udn _.k vks-Mh-@lh-lh- ds laca/k esa rqyu&i= dh frfFk rd yxkrkj dksbZ jkf'k tek ugha gksrh gS vFkok tek dh x;h jkf'k mruh i;kZIr ugha gS fd bl vof/k ds nkSjku ukes fd, x, C;kt dks olwy fd;k tk lds rks [kkrk ^vfu;fer* gks tkrk gSA

x½ cSad }kjk [kjhns x, vkSj Hkquk, x, fcyksa ds ekeys esa tgka fcy 90 fnuksa ls vf/kd vof/k ds fy, vfrns; jgs gksaA

?k½ vYi vof/k dh Qlyksa ds fy, ewy/ku dh fd'r vFkok ml ij C;kt ds fy, nks Qlyh ekSle rd vfrns; jgk gksA

M+½ nh?kZ vof/k dh Qlyksa ds fy, ewy/ku dh fd'r vFkok ml ij C;kt ds fy, ,d Qlyh ekSle rd vfrns; jgk gksA

p½ çfrHkwfrdj.k ds fnukad 7 ebZ 2012 ds fn'kk&funsZ'kksa dh 'krZ~rksa ds vuqlkj çfrHkwfrdj.k ysu&nsu ds laca/k esa ;fn udnh lqfo/kkdh jkf'k 90 fnuksa ls vf/kd cdk;k jgrh gSA

N½ O;qRiUu lkSnksa ds ekeys esa] vfrns; çkfIr;ka tksfd O;qRiUu lafonk ds ldkjkRed cktkj vafdr ewY; dks çnf'kZr djrh gSa] ;fn pqdkSrhdh fofufnZ"V ns; frfFk ls 90 fnuksa rd cdk;k jgrh gSaA

;gka ^ vfu;fer * ls vfHkçk;% ,d [kkrs dks ^vfu;fer^ ekuk tkuk pkfg, ;fn cdk;k jkf'k] laLoh—r [email protected] 'kfä ls fujarj vf/kd jgrh gSA mu ekeyksa esa tgk¡ eq[; ifjpkyu [kkrs esa cdk;k 'ks"k laLoh—r [email protected] 'kfä ls de jgrk gS ysfdu mlesa rqyu i= dh frfFk ds 90 fnuksa rd dksbZ tek,a ugh dh tkrh gSa ;k bl vof/k esa tek dh xbZ jkf'k ukes fd, x, C;kt dks olwy djus ds fy, de gSa rks bu [kkrksa dks ^vfu;fer*ekuk tk,xkA

;gka ^vfrns;^ ls vfHkçk; fdlh Hkh _.k lqfo/kk ds v/khu dksbZ Hkh ns; jkf'k ls gS] ftldk cSad }kjk fu/kkZfjr ns; frfFk ij] Hkqxrku ugha gksrk gSA

mä ds vfrfjä] ,d [kkrs dks fuEu 'krksaZ ds vuqlkj Hkh vutZd ¼,u-ih-,-½ oxhZ—r fd;k tk ldrk gS%&

vLFkk;h vfu;ferrkvksa @ dfe;ksa okys [kkrs ¼ lanHkZ vkjchvkbZ ,elh Çcnq 4-2-4½

tgka dgha fdlh frekgh ds nkSjku yxk;k x;k C;kt ml frekgh lekfIr ds 90 fnuksa ds Hkhrj iw.kZ :i ls vnk ugha gks tkrk vkSj mlls cSad ds fy, vftZr gksus okyh vk; #d tk, rks ,sls [kkrs dks xSj&fu"ikfnr vkfLr ds :i esa oxhZ—r fd;k tk,xkA

,d vkfLr dk xSj&fu"ikfnr vkfLr ds :i esa oxhZdj.k olwyh ds fjdkMZ ij vk/kkfjr gksuk pkfg,A cSad dks ,d vfxze [kkrs dk oxhZdj.k dsoy dqN folaxfr;ksa ds gksus ij ugh djuk pkfg, tksfd Lo:i esa vLFkk;h gksrh gSa tSls vafre miyC/k LV‚d fooj.kh ds vk/kkj ij i;kZIrvkgj.k 'kfä dk miyC/k ugh gksuk] vLFkk;h :i ls fyfeV ls vf/kd cdk;k cSysal gksuk] LV‚d fooj.kh dks çLrqr ugh djuk rFkk ns; frfFk ij fyfeV dk xSj&uohuhdj.k vkfnA [kkrksa dh ,slh folaxfr;ksa ds lkFk oxhZdj.k ds ekeys esa] cSad fuEu fn'kk&funsZ'kksa dk vuqikyu dj ldrs gSa%

cSadksa dks lqfuf'pr djuk pkfg, fd dk;Z'khy iwath [kkrksa esa vkgj.k dks pkyw vkfLr;ksa dh i;kZIrrk ls doj fd;k tk, tSlk fd vkink ds le; pkyw vkfLr;ksa dks igys lek;ksftr fd;k tkrk gSA orZeku LV‚d fooj.kh ij vkgj.k 'kfä dk fu/kkZj.k djuk pkfg,A rFkkfi] cM+s _f.k;ksa dh dfBukbZ;ksa ij fopkj djrs gq,] vkgj.k 'kfä dk fu/kkZj.k djrs le;] LV‚d foojf.k;ka rhu eghus ls vf/kd iqjkuh ugh gksuhpkfg,A rhu eghus ls vf/kd iqjkuh LV‚d fooj.kh ij fu/kkZfjr vkgj.k 'kfä ij vk/kkfjr cdk;k jkf'k ds fu/kkZj.k dks vfu;fer ekuk tk;xkA

Punjab & Sind Bank

2017-18

Basic indicator approach

A.

not enough to cover the interest debited during the same period, these accounts should be treated as 'out of order'.

iatkc ,.M fla/ cSad


,d dk;Z'khy iwath [kkrk xSj&fu"iknd gks tk;xk ;fn [kkrs esa yxkrkj 90 fnuksa dh vof/k ds fy, ,slh vfu;fer vkgj.k 'kfä dh Loh—frnh tkrh gS pkgs bdkbZ dk;Z dj jgh gks vFkok _.kh dh foÙkh; fLFkfr larks"ktud gksA

fu;fer rFkk ,deq'r _.k lhekvksa dks ns; frfFk@,deq'r laLoh—fr dh frfFk ls rhu eghus igys iqulZeh{kk@fu;fer fd;k tkuk vko';d gSA O;o/kkuksa ds ekeys esa tSls _f.k;ksa ls foÙkh; fooj.kh;ksa dh vkSj vU; vkadM+ksa dh vuqiyC/krk ij 'kk[kk dks lk{; çLrqrdjuk gksxk fd _.k fyfeVksa dk uohuhdj.k@leh{kk igys ls gh py jgh gS vkSj mldks tYn gh iw.kZ dj fy;k tk;xkA fdlh Hkh ekeys esa] lkekU; vuq'kklu ds rkSj ij] N% eghus ls vf/kd dk foyac visf{kr ugh gSA vr%] ,d [kkrs esa tgk¡ fu;fer@,deq'r fyfeVksa dks ns;frfFk@,deq'r laLoh—fr dh frfFk ls 180 fnuksa ds vanj iqulZeh{[email protected] ugh fd;k x;k gS] dks xSj&fu"iknd vkfLr ekuk tk;xkA

mä ds vfrfjä] cSad vkfLr;ksa ds oxhZdj.k ds laca/k esa Hkkjrh; fjtoZ cSad }kjk tkjh fuEu fn'kk&funsZ'kksa dk Hkh ikyu dj jgk gSA ¼d½ iqulZjafpr [kkrs ¼[k½ dkykrhr vof/k dh dk;kZUo;u ds varxZr ifj;kstuk ¼x½ iksr ynkuksÙkj vkiwfrZdrkZ _.k ¼?k½ fu;kZr ifj;kstuk foÙk¼³½ vf/kxzg.k foÙk ¼p½ ljdkjh xkjaVh—r vfxze ¼N½ ch-vkbZ-,Q-vkj-@Vh-,y-vkbZ- }kjk vuqeksfnr iquokZl ds varxZr vfxze ¼>½ _.k ekQh ,oa _.k jkgr ;kstuk 2009 ds v/khu fy;k x;k _.k ¼V½ foÙkh; vkfLr;ksa dks çfrHkwfrdj.k [email protected] daiuh dks cspuk ¼B½xSj&fu"ikfnr foÙkh; vkfLr;ksa dk Ø;&foØ; ¼<½ [kkrksa dk mUu;u ¼.k½ rqyu&i= dh frfFk ds lehi fu;fer fd, x, [kkrs] vkfnA

[k- _.k tksf[k+e çca/ku rFkk mís'; %

_.k tksf[ke çca/ku foHkkx dk eq[; mís'; cSad ds _.k tksf[k+e dkjksckj dh çHkkoh igpku] ewY;kadu] ifjekiu rFkk çca/ku ds fy,] cSad dh tksf[k+e {kerk ds laca/k esa visf{kr lhek rd bls fu;af=r djuk rFkk miyC/k iwath ds vuq:i ykuk gSA bl çfØ;k dks djrs gq,cSad ds _.k tksf[k+e n'kZu dk y{; tksf[k+e esa deh ykuk rFkk mls ml Lrj ds Hkhrj cuk, j[kuk gS tksfd fgr /kkjdksa dks bfDoVh lfgr cSad ds foÙkh; lalk/kuksa dh lqj{kk lqfuf'pr djus ds lkFk&lkFk cSad dk lrRk ,oa lq–<+ fodkl Hkh lqfuf'pr djrk gSA

_.k tksf[k+e cSad dh ;kstukxr uhfr & _.k tksf[k+e %

cSad dh foLr`r ,oa lqifjHkkf"kr _.k uhfr gS] ftlesa uhfrxr vk;kstuk ds fofHkUu vk;ke 'kkfey gSaA _.k dkjksckj rFkk lkekU; vkfFkZd,oa cktkj ifj–'; ds vuq:i vfxze fuos'k lwph esa ifjorZuksa dh vis{kkvksa ij fuHkZj djrs gq, cSad le;-le; ij _.k-uhfr dh iqujh{kkdjrk gSA cSad dh _.k-uhfr o"kZ esa de ls de ,d ckj funs'kd e.My }kjk O;kid leh{kk ds Hkh v/;k/khu gSA cSad dh _.k uhfr esa vU; ckrksa ds lkFk fuEufyf[kr ?kVdksa dk Hkh /;ku j[kk tkrk gS%- Û fofHkUu m|ksx ?kVdksa rFkk _.kdrkZ Jsf.k;ksa esa rdZlaxr lhek dk fu/kkZj.k ,oa fu;a=.kAÛ _.k jsfVax rFkk@vFkok fjVsy ?kVdksa ls laca) tksf[k+e :ijs[kk ij vk/kkfjr ewY;kaduAÛ _.kksa d s e wY;kadu] Loh—fr rFkk fuxjkuh ,oa _.k d s l aforj.k dh çfof/k;ksa d s fy, çfØ;k ,oa ç.kkyh l s l ac af/kr

ekxZn'khZ funsZ'kAÛ _.k jsfVax ÝseodZA

Û fujh{k.k ra= rFkk fofu;ked ,oa uhfrxr ekxZn'khZ funsZ'kksa dk vuqikyuA

_.k&tksf[k+e çca/ku laxBukRed <‚apk %

Û _.k tksf[ke çca/ku dk;ksaZ ds fy, cSad ds laxBukRed <+kaps ds 'kh"kZLFk Lrj ij funs'kd&e.My gS] tks tksf[ke çca/ku dkjksckj ij iwjh fuxjkuh j[krk gSA

Û tksf[ke çca/ku lfefr ¼vkj-,e-lh-½ tks fd v/;{k ,oa çca/k funs'kd dh v/;{krk esa e.My dh ,d mi lfefr gS] _.k tksf[ke lfgr lefUor tksf[k+e çca/ku ds fy, uhfr ,oa j.kuhfr rS;kj djrh gSA

Û ifjpkyu Lrj ij] _.k tksf[ke çca/ku lfefr ¼lh-vkj-,e-lh-½ _.k tksf[k+e dk çca/ku djrh gSA blds eq[; dk;ksaZ esa funs'kd e.My }kjk vuqeksfnr _.k tksf[ke çca/ku uhfr;ksa dk cSad O;kih vk/kkj ij dk;kZUo;u rFkk funs'kd&e.My dks _.k tksf[k+eçca/ku lacaf/kr] _.k tksf[k+e dh foosdiw.kZ lhek,a] iksVZQksfy;ksa çca/ku] _.k-mRiknksa vkfn ls lacaf/kr lHkh uhfr;ksa ds vuqeksnu gsrqlaLrqfr 'kkfey gSA cSad esa _.k vuqeksnu dh çfØ;k dk <k¡pk cuk gqvk gS vkSj ;g ekudh—r gS] ftlesa _.k vkdyu dh O;kidçfØ;k 'kkfey gSA fdlh Hkh foÙk iks"k.k çLrko ds lkFk tqM+s _.k tksf[k+e ds vkdyu djus gsrq cSad _.kh rFkk çklafxd m|ksxksads fofo/k _.k tksf[keksa dk vkdyu djrk gSA

Û egkçca/kd dh v/;{krk esa tksf[k+e çca/ku foHkkx ¼vkj-,e-Mh-½ funs'kd e.My }kjk fu/kkZfjr lhekvksa ds Hkhrj cSad O;kih vk/kkj ij_.k tksf[ke dk ifjekiu] fu;a=.k ,oa çca/ku djrk gS vkSj funs'kd e.My@tksf[k+e çca/ku lfefr@_.k tksf[k+e çca/ku lfefr }kjk fu/kkZfjr tksf[k+e ekin.Mksa ds vuqikyu dks ykxw djrk gSA bl nkf;Ro ds fuokZgu esa tksf[k+e çca/ku foHkkx ds fofHkUu d{k ;Fkk _.k tksf[k+e çca/ku d{k] cktkj tksf[k+e çca/ku d{k] rFkk lapkyuxr tksf[k+e çca/ku d{k bldh enn djrs gSaA

Punjab & Sind Bank

2017-18

Regular and ad hoc credit limits need to be reviewed/ regularised not later than three months from the due date/date of ad hoc

should furnish evidence to show that renewal/ review of credit limits is already on and would be completed soon. In any case, delay beyond six months is not considered desirable as a general discipline. Hence, an account where the regular/ ad hoc credit

Balance Sheet date etc.

credit.

:

iatkc ,.M fla/ cSad


Û egkçca/kd@mi egkçca/kd ds fu;a=.kk/khu fujh{k.k foHkkx ds lkFk-lkFk _.k fuxjkuh foHkkx] _.kksa dh xq.koÙkk ij fuxjkuh] leL;kvksa dh igpku djuk rFkk dkfe;ksa dks nwj djus dk mik; djrk gSA _.kksa dk iqujh{k.k@_.kksa dh ys[kk ijh{kk dk dk;Z _.k ys[kk ijh{kk ds :i esa vyx ls fd;k tkrk gSA

_.k tksf[k+e çca/[email protected] ds fy, ç;qä lk/kuÛ _.k vuqeksnu drkZ çkf/kdkjh 'kfä;ksa dk çR;k;kstuA cSad dh cgqfo/k tksf[ke vk/kkfjr vuqeksnu ç.kkyh ds Hkhrj 'kfä;ksa ds

çR;k;kstu dh ,d lqifjHkkf"kr ;kstuk fo|eku gS] ftldh tc dHkh vko';drk gks] O;olkf;d vko';drkvksa dh ck/;rkvksa dks iwjk djus ds fy, le;-le; ij iqujh{kk dh tkrh gSA

Û fofHkUu Lo:i ds _.kdrkZvksa ds fy, ,dy@lewg _.k lqfo/kkvksa tSlh _.k@fuos'k ds fofHkUu igyqvksa ij rdZlaxr _.k lhek,a çpyu esa gSaA

Û tksf[ke] jsfVax@ewY;kadu&cSad us fofHkUu ?kVdksa ds fy, jsfVax e‚My ykxw fd, gq, gSa] tks çfri{k ds cgqfo/k tksf[k+e dkjdksa ds,dy fcUnq lwpd ds :i esa dk;Z djrs gSa rFkk _.k ewY;kadu fu.kZ;ksa esa ennxkj gksrs gSaA

Û _.k cgh dh xq.koÙkk ds lrRk ewY;kadu rFkk _.k ç'kklu esa xq.kkRed lq/kkj ds fy, _.k ys[kk ijh{kk@_.k iqujh{k.k i)fr ,d çHkkoh midj.k gSA

Û lafoHkkx çca/ku & 'kq:vkrh nkSj esa cSad us ,d lk/kkj.k lafoHkkx fuxjkuh ÝseodZ ykxw fd;k gSA Hkfo"; esa cSad vR;k/kqfud lafoHkkxçca/ku e‚My dks ykxw djsxkA

Û cSad _.k tksf[keksa] ftuds fo#) os vuko`Ùk gSa] dks de djus ds fy, dbZ çdkj dh laikf'kZ~odksa vkSj rduhdksa dks Lohdkj djrk gS] c'krsZ laikf'kZ~od dkuwuh :i ls ykxw djus ;ksX; gSa rFkk ck/;rk/kkjh dh pwd ;k _.k foijhr ifjfLFkfr;ksa ds mRiUu gksus ds ekeys esa laikf'kZ~od vkfLr;ksa dks cspus ds ckn çkIr gksus okyh çkfIr;ksa ij cSad dks nkok djus dh çkFkfedrk gSA

tksf[k+e vkadyu % &orZeku esa _.k tksf[ke dks O;fäxr Lrj ij _.k nj rFkk iksVZQksfy;ks Lrj ij tksf[k+e Hkkfjr vkfLr;ksa ds ek/;e ls fu/kkZfjr fd;k x;k gS rFkk iwath dks tksf[k+e Hkkj vk/kkj ij O;ofLFkr fd;k x;k gSA

ek=kRed çdVhdj.k

dqy fuoy _.k t+ksf[ke dk çdVhdj.k

Js.kh jkf'k&:i, @ djksM+1- fuf/k&vk/kkfjr _.k jkf'k2- xSj&fuf/k vk/kkfjr _.k jkf'k

_.k t¨f[k+e dk Ò©x¨fyd forj.k

Js.kh jkf'k&:i, @ djksM+1 fons'kh

& fuf/k vk/kkfjr _.k t¨f[ke'kwU;

& xSj fuf/k vk/kkfjr _.k t¨f[ke 'kwU;2 ns'kh

& fuf/k vk/kkfjr _.k t¨f[ke& xSj fuf/k vk/kkfjr _.k t¨f[ke

,Dlikst+j dk m|ksx okj forj.kjkf'k & :- djksM+

m|¨x fuf/k vk/kkfjr xSj fuf/k vk/kkfjr dqy1- [kk|ku ,oa mR[kuu2- [kk| çlaLdj.k3- csojst ,oa rEckdw4- diM+k m|ksx5- peM+k ,oa peM+k mRikn 2.20

Punjab & Sind Bank

2017-18 121

of business environment.

are in place.

of obligor’s default or occurrence of adverse credit events.

Category12

1--

2--

2.20

iatkc ,.M fla/ cSad


m|¨x fuf/k vk/kkfjr xSj fuf/k vk/kkfjr dqy6- dk"B ,oa dk"B mRikn 83.30

7- dkxt rFkk dkxt mRikn 33.30

8- iSVªks@dks;yk@ukHkdh; Ãèku9- jlk;u jlk;u mRikn-10- jcM+] IykfLVd ,oa blds mRikn-11- dkap ,oa blds cus mRikn12- lhesaV lhesaV mRikn-13- ewy èkkrq èkkrq mRikn-14- leLr bathfu;Çjx15- okgu@okgu dyiwtsZ ,oa VhihVh vkStkj16- jru vkSj vkHkw"k.k17- fuekZ.k18- cqfu;knh lqfoèkk;sa19- vU; m|ksx20- vof'k"Vdqy ;ksx

mYys[kuh; ,Dlikst+j

m|ksx tgka dqy ,Dlikst+j] dqy fufèk vkèkkfjr rFkk xSj fufèk vkèkkfjr çdVhdj.k ds 5 ls vfèkd gS%jkf'k #- djksM+ esa

Øe la[;k m|ksx izdVhdj.k1- cqfu;knh lqfoèkk;sa2- vof'k"V

vkfLr;ä dk vof'k"V Lkafonkxr ifjiDork fodkj %&jkf'k #- djksM+ esa

vof/k iw.kZ güs dk Lo:i ¼Lke;kof/k½

_.k ,oa tksf[ke ¼LVSaMMZ Vh,y $ ihlh, $ fcy½

fuos'k¼cgh ewY;½

fons'kh eqæk tek jkf'k;ka ¼VhMh $ ,lch

$ lh,½

m/kkj

vxyk 1 fnu 1802.32 0.00 0.00

2 fnu ls 7 fnu 100.00

8 fnu ls 14 fnu15 fnu ls 30 fnu 3.13 3803.22 0.00

31 fnuksa ls 2 ekg 0.00

2 ekg ls vf/kd 3 ekg rd 0.00

3 ekg ls vf/kd 6 ekg rd6 ekg ls vf/kd 1 o"kZ rd 0.00 0.00

1 o"kZ ls vf/kd 3 o"kksaZ rd3 o"kksaZ ls vf/kd 5 o"kksaZ rd 0.00 0.00

5 o"kksaZ ls vf/kd 0.00 0.00 0.00

dqy 66569.45

Punjab & Sind Bank

2017-18 123

83.3033.30

1 Infrastructure2 Residuary

Next 1 Day 1802.32 0.00 0.00

100.00

3.13 3803.22 0.00

0.00

0.00

0.00 0.00

0.00 0.00

0.00 0.00 0.00

66569.45

iatkc ,.M fla/ cSad


,u-ih-,- dh jkf'k ¼Lkdy½

Js.kh jkf'k :- djksM+1 voLrjh;2 lafnXèk 13 lafnXèk 24 lafnXèk 35- gkfu

dqy

fuoy ,u-ih-, jkf'k :- djksM+ esa

fuoy-,u-ih-,

,u-ih-,- vuqikrJs.kh izfr'kr

1 ldy vfxze dk Lkdy ,u-ih-, 11-192 fuoy vfxze dk fuoy ,u-ih-, 6-93

,u-ih-, ¼ldy½ esa mrkj&p<ko

jkf'k :- djksM+vFk'ks"ktekadehbfr 'ks"k

,u-ih-, gsrq çko/kkuksa esa mrkj&p<ko

jkf'k :- djksM+vFk'ks"ko"kZ ds n©jku fd, x, Áko/kkucV~Vs [kkrs Mkyukvf/kd Áko/kkuä dk iqujkadubfr'ks"k

x+Sj&fu"ikfnr fuos'kä dh jkf'k

jkf'k :- djksM+xSj fu"ikfnr fuos'kksa dh jkf'k

xSj fu"ikfnr fuos'kksa ds fy, çko/kkuksa dh jkf'k

jkf'k :- djksM+xSj fu"ikfnr fuos'kksa ds fy, çko/kku

Punjab & Sind Bank

2017-18

1 Substandard

2

3

Net NPAs

1 Gross NPAs to Gross advances2 Net NPAs to Net advances

Opening Balance

Closing Balance

Opening BalanceProvisions made during the period

Closing Balance

iatkc ,.M fla/ cSad


fuos'kksa ij ewY;ºzkl gsrq çko/kkuksa esa mrkj p<ko

jkf'k :- djksM+vFk'ks"ko"kZ ds n©jku fd, x, Áko/kkucV~Vs [kkrs Mkyukvf/kd Áko/kkuä dk iqujkadubfr'ks"k

rkfydk Mh-,Q- 5 & _.k t¨f[ke% ekudhÑr n`f"Vd¨.k ds varxZr LkafoHkkx dk izdVhdj.kxq.kkRed izdVhdj.k1- cSad us lh-vkj-,-vkj- ifjdyu gsrq ekudh—r –f"Vdks.k ds varxZr tksf[k+e Hkkj fu/kkZj.k djus ds fy, fuEu Js.kh fu/kkZjd ,tsfUl;ksa dh

lkekU; jsfVax dk mi;ksx djuk vuqeksfnr fd;k gSA ?kjsyw nkoksa ds fy, fØfly] vkbZlhvkj,] bafM;k jsfVax] fczdodZ] ,l,ebZvkj, rFkkds;j ,oa vfuoklh d‚jiksjsV] fons'kh cSadksa rFkk fons'kh ljdkj ds nkoksa ds fy, ,l ,.M ih] fQp rFkk ewMht dks vuqeksfnr fd;k gSAHkkjrh; fjtoZ cSad dh ifjHkk"kk ds vuqlkj bu leLr ,tsafl;ksa dk Js.kh fu/kkZj.k leLr çdkj ds _.k tksf[keksa ds fy, ç;ksx esayk;k tk jgk gS] c'krsaZ cklsy&II ds varxZr lh-vkj-,-vkj- ifjdyu gsrq ekudh—r –f"Vdks.k ds varxZr tksf[ke Hkkj ds fy, Js.kh dkfu/kkZj.k fd;k tk jgk gksA

2- cSafdax cfg;ksa esa rqyukRed vkfLr;ksa ij vk/kkfjr Js.kh fu/kkZj.k ds vk/kkj ij lkoZtfud fuxZe ds varj.k ds fy, ç;ksx esa ykbZ xbZçfØ;k Hkkjrh; fjtoZ cSad dh fofu;ked vfuok;Zrk ds vuq:i~ gSA Js.kh fu/kkZjd ,tsfUl;ksa }kjk çdkf'kr lkoZtfud Js.kh fu/kkZj.k mudhosclkbZV ij Hkh miyC/k gS] ftldk mís'; gsrq mi;ksx fd;k x;k gSA lEcfU/kr Js.kh fu/kkZjd ,tsUlh ds ekfld cqysfVu ds vuqlkj ykxwJs.kh rFkk ftldh de ls de xr 15 ekg esa ,d ckj leh{kk dh tk pqdh gS] dk bl mís'; gsrq ç;ksx fd;k x;k gSA

3- tg‚a çR;sd _.k tksf[ke dk Js.kh fu/kkZj.k dsoy ,d vuqeksfnr Js.kh fu/kkZj.k ,tsUlh }kjk fd;k x;k gS] ds viokn dks NksM+dj] çfri{kfo'ks"k ij leLr _.k tksf[ke ds fy, cSad us dsoy ,d ,tsUlh ds Js.kh fu/kkZj.k dk ç;ksx fd;k gS ;|fi bu _.k tksf[k+eksa dk ,dls vf/kd ,tsfUl;ksa }kjk Js.khdj.k fd;k x;k gSA

4- tksf[k+e Hkkj gsrq ik=rk ds fy, ;g lqfuf'pr fd;k tkrk gS fd ckgjh _.k ewY;kadu rFkk cSad }kjk mls çnÙk leLr Hkqxrku vFkkZr ewyjkf'k rFkk C;kt ds lEcU/k esa] _.k tksf[k+e ,Dlikstj dh iwjh jkf'k 'kkfey djrk gS rFkk çfrfcafcr djrk gSA tksf[k+e Hkkj ds fy, d‚jiksjsVxzqi esa ,d dEiuh ds fy, ckgjh fu/kkZj.k dk ç;ksx mlh xzqi dh vU; dEifu;ksa ds ckgjh fu/kkZj.k ds fy, ç;ksx ugha fd;k x;k gSA

5- vkfLr;k¡ ftudh lafonkxr ifjiDork ,d o"kZ ;k mlls de gS] ds fy, vYikof/k Js.kh fu/kkZj.k dk ç;ksx fd;k x;k gS tcfd vU; vkfLr;ksads fy, nh?kkZof/k Js.kh fu/kkZj.k dk ç;ksx fd;k x;k gSA udn m/kkj ,Dlikstj ds fy, nh?kkZof/k Js.kh fu/kkZj.k dk ç;ksx fd;k x;k gSA

6- tgk¡ tkjhdrkZ dk ,d nh?kkZof/k ,Dlikstj gS ftl ij ckgjh nh?kkZof/k Js.kh fu/kkZj.k ds vuqlkj 150 çfr'kr tksf[k+e Hkkj vfHk"V gksrk gS]mlh çfri{k ds leLr xSj&Js.khxr nkos pkgs os vYikof/k gksa ;k nh?kkZof/k ij 150 çfr'kr tksf[k+e Hkkj ekuk tk,xk] flok, ,sls nkoksaesa tgk¡ tksf[k+e de djus dh rduhd ç;ksx esa ykbZ xbZ gks vYikof/k Js.kh fu/kkZj.k ij Hkh ;gh ykxw gksxkA

7- vuqeksfnr Js.kh fu/kkZj.k ,tsfUl;ksa }kjk vYikof/k Js.kh fu/kkZj.k dks vYikof/k _.k tksf[k+e Hkkj ds fy, ekudh—r –f"Vdks.k ds varxZrtksf[k+e Hkkj esa çR;{k :i ls 'kkfey fd;k tkrk gSAHkkjrh; fjtoZ cSad }kjk fn, x, tksf[ke Hkkj ekufp=.k ds :i esa Hkh blh rtZ ij ckgjh ØsfMV jsfVax ,tsafl;ksa ds vYikof/k Js.kh dslkFk ¼1 o"kZ rd½ ds vYikof/k _.k ds vkarfjd ewY;kadu dh eSfiax ds fy, ,d ra= gS] gekjs cSad esa çpyu esa igys ls gh gS A

8- ;fn ik= _.k fu/kkZj.k ,tsafl;ksa }kjk nks Js.kh fu/kkZj.k dh xbZ gSa ftlesa nks vyx&vyx tksf[ke Hkkj vafdr fd, x, gSa] ogk¡ mPpgrjtksf[ke Hkkj ykxw fd;k tkrk gSA ;fn ik= _.k Js.kh fu/kkZj.k ,tsafl;ksa }kjk rhu ;k vf/kd Js.kh fu/kkZfjr dh xbZ gS ftlesa tksf[ke Hkkjvafdr fd, x, gSa] ogk¡ nks rnuq:ih fuEure tksf[k+e Hkkjksa dh Js.kh fu/kkZj.k ds lanHkZ esa rFkk bu nksuksa tksf[k+e Hkkjksa esa mPp rj tksf[keHkkj dks ykxw fd;k x;k gS]vFkkZr nwljk lcls U;wure tksf[ke HkkjA

9- tg‚a fo'ks"k fu/kkZfjr ekeyksa esa nkok fuos'k ugha gS] fuos'k nkoksa ij tksf[k+e Hkkj p;fur _.k Js.kh oxhZdj.k ,tsUlh }kjk fo'ks"k Js.khfu/kkZj.k ij vk/kkfjr gSaAi½ _.k fo'ks"k ds fy, ykxw Js.kh fu/kkZj.k ¼tg‚a Js.kh oxhZdj.k ds tksf[k+e Hkkj xSj&Js.kh—r ekeyksa ij ykxw tksf[k+e Hkkj ls de gS½

cSad ds dsoy xSj&fu/kkZfjr nkoksa ij ykxw gS] tg‚a oxhZ—r ekeyk ,d vYikof/k vfuok;Zrk gS ;fn og nkok le:i oxhZ—r gS ;k gj çdkj ls fof'k"V oxhZ—r _.k ls vf/kd gS rFkk xSj &fu/kkZfjr ekeyksa dh ifjiDork fu/kkZfjr ekeyksa dh ifjiDork ds ckn ugha gS] dks NksM+dj cSad ds dsoy xSj&fu/kkZfjr ekeys ij ykxw gSA

ii½ ;fn tkjhdrkZ ;k ,dy fuxZe ds fy, xSj&fu/kkZfjr ekeyksa ds fy, ykxw tksf[k+e Hkkj ls vf/kd ;k mlds cjkcj tksf[k+e Hkkj fu/kkZj.k fd;k x;k gS rks ml çfri{k ij xSj&fu/kkZfjr ekeyksa ds fy, ogh tksf[k+e Hkkj fu/kkZfjr gksxk tksfd _.k tksf[k+e Hkkj ij ykxw gksxk] ;fn ;g nkok mlds lkFk&lkFk ;k gj çdkj ls fu/kkZfjr _.k tksf[k+e Hkkj ls de gSA

Punjab & Sind Bank

2017-18


Closing Balance

agencies.

xcept

iatkc ,.M fla/ cSad


ekudh—r –f"Vdks.k dh 'krsZ ij tkf[+ke de djus ds ckn ,Dlikst+j dh jkf'kjkf'k&#-@djksM+

t¨f[k+e Hkkj Js.kh _.k tksf[k+e de djus ds ckn ,Dlikst+j 100 tksf[k+e Hkkj ls de100 tksf[k+e Hkkj100 tksf[k+e Hkkj ls vf/kddVkSrhdqy

rkfydk Mh-,Q- 6- _.k tksf[k+e de djuk % ekudh—r –f"Vdks.k ds fy, çdVhdj.k

xq.kkRed izdVhdj.k

1- laLFkk ds vtZu dk ?kkVs ls cpkus ds fy,] _.k tksf[ke de djds jktLo o`f) djuk çca/ku dk çeq[k midj.k gSA cSad vius nSfudifjpkyu ds nkSjku _.k tksf[keksa dks de djus ds fy, vusd rjhds vkSj rduhd viukrs gSaA ifjiDork vlarqyu] eqæk vlarqyuvkSj ewY; lek;kstu ds i'pfkr] iwath çHkkj dks de djus gsrq i;Zos{kd us _.k tksf[ke de djus ds mik;ksa dh vuqefr nh gSA u,iwath i;kZIrrk ÝseodZ ¼csly&II½ ds varxZr igpkus x, _.k tksf[ke de djus ds fofHkUu dkjd ¼lh-vkj-,e-½ fuEu gSa %&

laikf'oZd lapkyuv‚u&cSysal&'khV&usfVaxxkjafV;k¡

2- ik= foÙkh; laikf'oZd çfrHkwfr;k¡

ekud –f"Vdks.k ds varxZr lHkh laikf'kZ~okdksa dks _.k tksf[ke de djus gsrq ugha ekuk x;k gSA igpkuh xbZ foÙkh; laikf'oZd fuEufyf[kr gSa%&

1-½ udnh vkSj tekjkf'k;‚a ftuesa fons'kh eqæk lfEefyr gSA

2-½ lksuk : 99-99 dh 'kq)rk çekf.kr djukA

3-½ dsaæ vkSj jkT; ljdkjksa }kjk tkjh çfrHkwfr;‚aA

4-½ fdlku fodkl&i= vkSj jk"Vªh; cpr&i=A

5-½ thou&chek i‚fyfl;‚aA

6-½ _.k&çfrHkwfr;‚a% 'krksaZ ds vuqlkj oxhZ—rA

7-½ cSad }kjk 'krksaZ vuqlkj tkjh voxhZ—r _.k&çfrHkwfr;‚aA

8-½ 'krksaZ ds vuqlkj E;wpqvy QaMksa ds ;wfuV~lA

9-½ iqu% çR;kHkwru ¼jhflD;wfjVkbts'kUt½] ØsfMV jsafVax gks ;k u gks] foÙkh; laikf'oZd ds ik= ughaA

laikf'oZd lapkyu esa iwath jkgr çkIr djus ds fy, dqN vfrfjä ekunaM gSa ftudk lh/ks rkSj ij laikf'oZd çca/ku ij çHkkj iM+rk gS vkSj laikf'oZd çca/ku ds nkSjku bu igyqvksa dks /;ku esa j[kk tkrk gSA

3- v‚u&cSysal&'khV&usfVax

v‚u&cSysal&'khV&usfVax dsoy _.k@vfxzeksa ¼_.k tksf[ke ds #i esa ekU;½ vkSj tekvksa ¼laikf'kZ~ord ds :i esa ekU;½ rd gh lhfergS tg‚a cSad ds ikl dkuwuh :i ls ykxw usfVax çca/k gS ftlesa fo'ks"k xzg.kkf/kdkj çys[kksa dh t‚ap dh tkrh gS vkSj ftudk fuoyvk/kkj ij çca/ku fd;k tkrk gSA

4- xkjafV;‚a tg‚a xkjafV;‚a lh/ks rkSj ls] lqfuf'pr] vfodYih vkSj 'krZjfgr gSa] cSad iwath i;kZIrrk dh lax.kuk djrs le; ,sls _.klaj{k.k dks /;ku esa j[krk gSA

ik= xkjaVjksa@çfr xkjaVjksa ds oxZ esa lfEefyr gSa %

I½ lEçHkq] lEçHkqrk çkIr laLFkk,a ¼ch-vkbZ-,l-] vkbZ-,e-,Q-] ;wjksfi;u lsaVªy cSad vkSj ;wjksfi;u leqnk; ds lkFk mYysf[kr ,e-Mh-ch-,l-] bZ-lh-th-lh- ,oa lh-th-Vh-,l-vkbZ-] lh-vkj-th-,Q-Vh-,y-vkbZ- ,p- lfEefyr gSa½] cSad vkSj çkbZejh Mhyj tks çfr i{k ls de Hkkfjr tksf[k+e ;qä gSaA

Punjab & Sind Bank

2017-18

Deducted

Guarantees

. :

i. Cash and Certain Deposits.

ii.

iii.

iv.

v.

vi.

vii.

viii.

ix.

a net basis.

i.

iatkc ,.M fla/ cSad


II½ fdlh çR;kHkwru vofLFkfr esa tc _.k laj{k.k çnku fd;k x;k gks rks mls NksM+dj vU; dkjd cká fu/kkZfjr gksrs gSaA blesa ewy] lgk;d rFkk lac) daifu;ksa }kjk _.k laj{k.k çnku fd;k tkuk 'kkfey gSa tc os vkHkkjh ls de tksf[ke Hkkj ij gksaA

II½ _.k laj{k.k fdlh çR;kHkwru vofLFkfr esa çnku fd;k tkrk gS] vU; dkjd] tks ml le; cká fu/kkZfjr gS ch-ch-ch-& vFkok csgrj vkSj tks cká :i ls ,& vFkok csgrj fu/kkZfjr Fks] mUgsa _.k laj{k.k çnku fd;k x;k FkkA blesa ewy] lgk;d rFkk lac) daifu;ksa }kjk _.k laj{k.k çnku fd;k tkuk 'kkfey gS tc os vkHkkjh ls de tksf[ke Hkkj ij gksaA

cSad ,Dlikstj ds çfr lHkh çdkj dh çfrHkwfr;k¡ Lohdkj djrk gSA fQj Hkh ckly&III ds fu;eksa ds vuqlkj] _.k tksf[k+eksa dk leatu ls iwoZ] ik= lEikf'kZ~odksa ij fopkj fd;k tkrk gS vkSj mudk mfpr mipkj fd;k tkrk gSA cSad ds ikl _.k tksf[k+e de djus dh ,d foLr`r i‚fylh gS vkSj çfrHkwfr;ksa ds ewY;kadu djus ds fn'kk&funsZ'k miyC/k gSaA cSad xkjaVjksa dh jsfVax djrs le; çfr ikVhZ ls csgrj xkjaVhdrkZvksa dh jsfVax ds ekeyksa esa] ik= xkjafV;ksa dk laKku djrk gSA blds vfrfjä _.k lqj{kk ds fy, dsaæh; ljdkj] jkT; ljdkj] bZ-lh-th-lh- vkSj lh-th-Vh- doj dks Hkh mi;qä tksf[k+e Hkkj yxkrs le; /;ku esa j[kk tkrk gSA

ekud –f"Vdks.k ds varxZr _.k tksf[ke lafoHkkx dk çdVhdj.k] doj fd;k x;k dqy _.k tksf[ke% ik= foÙkh; çfrHkwfr dVkSrh djus ds mijkar& : 2855-42 djksM+

rkfydk Mh-,Q- 7- çfrHkwfrdj.k% ekudh—r –f"Vdks.k ds fy, çdVhdj.k

xq.kkRed çdVhdj.k

vkfLR;ksa dh çdVhdj.k laca/kh uhfr dk vís';

1- lalkèkuksa dks c<+kus gsrq

1- lalk/kuksa dks c<+kus gsrq

1-1 mfpr ewY; ij ¼vkfLr vk/kkfjr çfrHkwfrdj.k@ca/kd ds ek/;e ls½ cSad ds lalk/kuksa dks c<+kukA

1-2 t:jr iM+us ij] ifjiDork varj dks de djus ds fy,] mÙke vkfLr ns;rk çca/ku gsrq yEch le;kof/k dh vkfLr;ksa dks cspk tk ldrk gSA

1-3 cSad dh lao`f) dks çHkkfor fd, fcuk n{krk ls iwath dks"k dh O;oLFkk djuk A

1-4 iwath dh nqyZHkrk ds ckotwn O;olk; dh fujarjrk rFkk vkfLr;ksa ds vkorZu djukA

1-5 fuf/k;ksa ds u, lzksrksa dk mi;ksx rFkk orZeku fuf/k;ksa ds lk/kuksa dk fofo/khdj.kA

1-6 çfrykHk dks c<+kus ds fy, vkfLr;ksa dk tYnh tYnh Ø;&foØ; A

1-7 _.k lafoHkkx ds mfpr çca/ku ds fy, mPp laØsUæ.k ds {ks=ksa esa vkfLr;ksa dks fdjk, ij ysdj] cSad bu {ks=ksa esa vfrfjä O;olk;djuk tkjh j[kus dh fLFkfr esa gksxk vkSj bl rjg cktkj esa viuk fgLlk] xzkgd laca/k bR;kfn cjdjkj j[k ldrk gSA

2- vf/k'ks"k fuf/k;ksa dk vfHkfu;kstu % ihVhlh ds fy, vfHknku djds ;k fQj mfpr çfrykHk nj okys _.kksa ds f}i{kh; vkoaVu ds ek/;els vkfLr;ksa dh [kjhn }kjk vf/k'ks"k fuf/k;ksa ds Fkksd vfHkfu;kstu dk Hkh ,d lk/kuA

gkyk¡fd] cSad us çfrHkwfrdj.k ds varxZr ekudh—r _.k lafoHkkx dks fdlh vU; laLFkk ¼vksa½ dks ugha cspk gSA

ekud lewg vkfLr;ksa dk leuqns'ku- % : 54-32 djksM+

rkfydk Mh-,Q- 8- VªsfMax cqd esa cktkj tksf[k+e

xq.kkRed çdVhdj.k

cktkj tksf[k+e dk vk'k; C;kt njksa esa ifjorZu] fons'kh eqæk njksa] cktkj ewY;ksa ,oa ifjorZuh;rk ls gksus okys Hkfo"; dh vk; dh vfuf'prrk ls gSA cSad ;g ekurk gS fd cktkj tksf[k+e esa mlds m/kkj/_.k nsus rFkk tek ysus tSls O;olk;ksa vkSj fuos'k xfrfof/k;ksa ;Fkk LFkku xzg.k djuk ,oa O;kikj djuk Hkh 'kkfey gSA cktkj tksf[ke dk fuos'k uhfr;ksa rFkk cktkj tksf[ke çca/ku uhfr ds vuqlkj çca/ku fd;k tkrk gS]ftldk vuqeksnu cksMZ }kjk fd;k tkrk gSA ;s uhfr;ksa] çfrHkwfr;ksa ds çpkyu] fon'kh eqæk rFkk vU; mRiknksa dks lq–<+ ,oa Lohdk;Z O;kikj] dk;Z çfØ;kvksa ds vuqlkj gksuk lqfuf'pr djrh gS vkSj tgka rd gks lds ;s fofu;ked fn'kk&funsZ'kksa ds vuqlkj forh; çfrHkwfr;ksa ds varj.k dks 'kkflr djus okys fo/kkuksa rFkk foÙkh; ifjos'k ds vuqlj.k esa dk;Z djrs gSaA O;kikj dh iqLrdksa esa cktkj tksf[k+e dk vkadyu ekudh—r vkof/kd vfHk:[k ds vuqlkj fd;k tkrk gSA VªsfMax ¼O;kikj½ ds vk;kstu gsrq rFkk foØ; ds fy, miyC/k iksVZQksfy;ks ds vuqlkj iwathxrpktZ dh lax.kuk Hkkjrh; fjtoZ cSad ds çwMsaf'k;y fn'kk&funsZ'kksa ds vuqlkj dh tkrh gSA

Punjab & Sind Bank

2017-18 131

ii.

the obligor.

iii.

weights.

mismatches.

of assets through bilateral assignment of debts with reasonable rate of return.

iatkc ,.M fla/ cSad


ckt+kj tksf[ke çcaèku ds mís'; %

ckt+kj tksf[ke çcaèku ds mís'; fuEu çdkj ls gSa%pyfuf/k dk çca/kuC;kt nj tksf[k+e ,oa fofue; nj tksf[k+e dk çca/kufuos'k iksVZQksfy;ks dk mfpr oxhZdj.k ,oa ewY;kadufuos'kksa rFkk O;qRiknksa inkFkksaZ dh i;kZIr ,oa mfpr fjiksfVaZxfofu;ked vis{kkvksa dk vuqikyu

ek=kRed çdVhdj.k

iwath vko';drk jkf'k dj¨M+¨ esaC;kt nj tksf[k+e 549-49'ks;j fLFkfr tksf[k+e 68-48fons'kh fofue; tksf[k+e 'kwU;

rkfydk Mh-,Q- 9- ifjpkyuxr tksf[k+e xq.kkRed çdVhdj.kcSad us ^îfjpkyu tksf[ke çca/ku ^^vkSj^^ O;olk; fujarjrk ;kstuk vkSj vkink fjdojh çca/ku^^ ij uhfr;ka rS;kj dh gSaA cSad dk funs'kd e.My okf"kZd vk/kkj ij bu uhfr;ksa dh leh{kk djrk gSA cSad tksuy v‚fQl@gsM v‚fQl ls ^^gkfu vkadM+ksa^^ ,d= dj jgk gS vkSj ;gfrekgh vk/kkj ij leh{kk ds fy, vksvkj,elh ds le{k j[kk tk jgk gSAcSad ds ikl cSad ds lexz ifjpkyu tksf[ke ds çca/ku dks ykxw djus ds fy, y‚l MkVk çca/ku <+kpk gSA cSad cksMZ }kjk vuqeksfnr vkjlh,l, <kaps ds vuqlkj fdlh fo'ks"k mRikn ;k xfrfof/k ls mRiUu gksus okys tksf[ke dk vkdyu djus ds fy, tksf[ke vkSj fu;a=.k Lo&vkdyu ¼vkjlh,l,½ dk;Z'kkyk vk;ksftr dj jgk gSA vkjlh,l, dk;Z'kkyk dk ifj.kke leh{kk ds fy, vksvkj,elh ds le{k j[kk tk jgk gSA vkxs cSad 'kq#vkrh psrkouh ladsrksa dh igpku djus ds fy, frekgh vk/kkj ij igpkus x, çeq[k tksf[ke ladsrdksa ¼dsvkjvkbZ½ dh fuxjkuh dj jgk gS vkSj blfy, varfuZfgr eqíksa vkSj laHkkfor gkfu;ksa dks lfØ; :i ls çcaf/kr@dedjus dh dksf'k'k dj jgk gS tks dsvkjvkbZ <kaps ds mís';ksa esa ls ,d gSAifjpkyukRed tksf[k+e lEcU/kh uhfr ds vuqlkj dk;Zdkjh funs'kd dh v/;{krk esa ifjpkyukRed tksf[k+e çca/ku lfefr¼vks-vkj-,e-lh-½xfBr dh xbZ gSAvks-vkj-,e-lh- dh fu;fer cSBdsa çR;sd frekgh esa de ls de ,d ckj vk;ksftr dhtkrh gSA 'kk[kkvksa dh v‚u lkbZV tksf[k+e vk/kkfjr vkarfjd ys[kk&ijh{kk ¼vkj-ch-vkbZ-,-½ cSad dk fujh{k.k foHkkx lEiUu djrk gSA gkml dhafiax] lek;kstu ,oa /kks[kk/kM+h vkfn ls lEcfU/kr ekeyksa esa Øe'k% fujh{k.k foHkkx]lek;kstu foHkkx ,oa lrdZrk foHkkx budhfjiksfVaZx le;≤ ij v‚fMV desVh v‚Q cksMZ ¼,-lh-ch-½ dks djrs gSaA ifjpkyukRed tksf[k+e rFkk O;olk; fujarjrk;kstuk ls lEcfU/krfofu;ked fjiksVZ dks le;c) ,oa fu;fer fd;k tkrk gSA ifjpkyukRed tksf[k+e ds fy, iwath çHkkj dh lax.kuk gsrq orZeku esa cSad csfld bafMdsVj ,çksp dk vuqikyu dj jgk gSA rFkkfi ifjpkyukRed tksf[k+e ds fy, iwathçHkkj dh lax.kuk mUur i)fr;ksa dh vksj mUeq[k gksus dh rS;kjh Hkh cSad ds lkFk&lkFk dj jgk gSA

rkfydk Mh-,Q- 10- cSad dh cfg;ksa esa C;kt nj tksf[k+e ¼vkbZvkjvkjchch½xq.kkRed çdVhdj.k cSad cgh esa C;kt nj tksf[k+e dk çca/ku rFkk ewY; fu/kkZj.k vk; ij tksf[k+e –f"Vdks.k gsrq ijEijkRed varj rFkk vkfFkZd ewY; –f"Vdks.kgsrq la'kksf/kr vof/k varj ds ek/;e ls fd;k x;k gSA cSad cgh esa C;kt nj tksf[k+e ds vUrxZr lHkh vfxze rFkk ifjiDork rd j[ks tkusokys fuos'k 'kkfey gSaA _.k uhfr;k¡ rFkk çfØ;k,a@lajpuk vkSj laxBu@fo"k;&{ks= rFkk tksf[k+e lwpuk&ra= dh ç—fr@uhfr;k¡ vkfn Mh-,Q-&7 ds vUrxZr crk, vuqlkj gh gSaA cSafdax cqd ¼vkbZvkjvkjchch½ esa C;kt nj tksf[k+e ds ekin.Mksa dh dk;Z&i)fr Hkkjrh; fjtoZcSad }kjk funsZf'kr fn'kk&funsZ'kksa ds vuq:i gSA1-1 Hkkjrh; fjtoZ cSad us ;g fu/kkZfjr fd;k gS fd C;kt nj laonsu'khyrk ¼iquewZY; fu/kkZj.k varj½ fooj.k ftls ekfld varjky ij rS;kjfd;k tkrk gS] ds tfj, C;kt nj tksf[k+e dh fuxjkuh dh tk,A rnuqlkj] vkfLr ns;rk çca/ku lfefr ekfld vk/kkj ij C;kt nj laosnu'khyrk dh leh{kk djrh gSA vkfLr;ksa o ns;rkvksa nksuksa esa C;kt nj esa leku ifjorZu ds dkj.k cSad dh 'kq) C;kt vk; esa gksus okys ifjorZu dk vkdyu djrh gSA

Punjab & Sind Bank

2017-18 133

Compliance with regulatory requirements

iatkc ,.M fla/ cSad


1-2 Hkkjrh; fjtoZ cSad us vof/k varj fo'ys"k.k ds nkSjku C;kt nj laosnu'khyrk ds ek/;e ls vkfLr;ksa o ns;rkvksa ds vkfFkZd ewY; ijC;kt nj ifjorZu ds çHkko dk vuqeku yxkus dk Hkh fu/kkZj.k fd;k gSA cSad frekgh@ekfld varjky ij Hkkjrh; fjtoZ cSad }kjk ;Fkk fu/kkZfjr vof/k varj fo'ys"k.k Hkh djrk gSA bZfDoVh ds cktkj ewY; ¼,eohbZ½ ij C;kt nj ifjorZu ds çHkkoksa dk vkof/kd varjky foPPys"k.k ds ek/;e ls fujh{k.k fd;k tkrk gSA mijksä dk ç;ksx djrs gq,] çR;sd cdsV gsrq vkfLr;ksa ,oa ns;rkvksa dh ifjofrZr vof/k dh x.kuk dh tkrh gS rFkk mijksä }kjk ns;rkvksa o vkfLr;ksa dh la'kksf/kr vof/k dh lax.kuk çR;sd dky&pØ ij ifjdfyr dh tkrh gS vkSj C;kt nj ds 200 chih,l ds ifjorZu dks tksM+us ds ckn ewY; ij iM+s çHkko dk ifjdyu dj 'kq) fLFkfr çkIr dh tkrh gS rkfd ;g fu/kkZfjr fd;k tk lds fd ewY; esa ldkjkRed o`f) gqbZ gS ;k ughA

1-3 vkfLr;ksa rFkk ns;rkvksa ds foosdiw.kZ mik; gsrq bZ,vkj rFkk 'kq) vkof/kd varj dh lhek dk fu/kkZj.k fd;k tkrk gS rFkk fu;fervarjky ij bldh fuxjkuh dh tkrh gSA

ek=kRed çdVhdj.k

d½ tksf[k+e ij vk;

,d o"kZ vUrjky rd vkSlru 100 vk/kkj vad ifjorZu dk çHkko #- 12-52 djksM+

[k½ vkfFkZd ewY; gsrq la'kksf/kr vof/k varj¼,e-oh-bZ-½ &10-15%

Punjab & Sind Bank

2017-18

is monitored at regular intervals.

At 100 bps change for gaps upto 1 year on average basis Crores

iatkc ,.M fla/ cSad


ckly& ds fy, çdVhdj.k&31 ekpZ 2018 dks lekIr o"kZrkfydk Mh ,Q 1&vuqç;ksx dk fo"k; {ks=

xq.kkRed&çdVhdj.k

d½ xzqi laLFkkvksa dh lwph] tks lesdu ds fy, fopkj.kh; gSA cSad ,sls fdlh oxZ esa ugha vkrk gSA

[k½ xzqi laLFkkvksa dh lwph] tks ys[kk vkSj lesdu ds fofu;ked fo"k; {ks= nksuksa esa lesdu ds fy, fopkj.kh; ugha gSA

ykxw ugha

ek=kRed&çdVhdj.k

x½ ,slh xzqi laLFkkvksa dh lwph] tks lesdu ds fy, fopkj.kh; gSykxw ugha

?k½ lHkh lgk;d laLFkkvksa dh iwath dh deh dh dqy jkf'k ftUgsa lesdu ds fofu;ked fo"k; {ks= esa lfEefyr ugha fd;k x;k vFkkZr ftUgsa ?kVk;k x;k gS

ykxw ugha

M-½ chek laLFkkvksa esa yxh cSad ds leLr fgrksa dh og dqy jkf'k ¼vFkkZr pkyw cgh ewY;] tks tksf[ke Hkkfjr gSa½ ykxw ughap½ cSafdax lewg ds Hkhrj QaM ;k fofu;ked iwath ds varj.k ij dksbZ çfrca/k ;k ck/kk ykxw ugha

rkfydk Mh-,Q 2& iwath i;kZIrrk

xq.kkRed çdVhdj.k

cSad us tksf[k+e çc a/ku vuqca/k dk fØ;kUo;u djrs le; oSf'od mPp&dksfV dh dk;Z&ç.kkyh dks viukus dh çfØ;k igys ls gh vkjEHk dj nh gS tksfd ckly II rFkk ckly III dh :ijs[kk ds vuq:i gSA

ckly II rFkk ckly III ls lacaf/kr fofHkUu ekeyksa ij /;ku nsus ds fy, tksf[k+e çca/ku dh O;kid ljapuk dk;Zjr gSA tksf[k+e Hkkfjr vkfLr;ksa] cktkj tksf[k+e rFkk çpkyu tksf[k+e esa o`f) ds vklkj ds eísutj cSad dh iwathxr vko';drkvksa dks vkadus ds fy, frekghvk/kkj ij leh{kk dh tkrh gSA

cSad fgr/kkjdksa] [kkldj tekdrkZvksa ds fgrksa dh lqj{kk gsrq ,Dlikstj dkjksckj vkfn ds ewY; esa gkfu ds tksf[ke ds fy, iwath dks xqatkb'k ds :i esa j[krk gSA

orZeku ,oa Hkkoh dkjksckj dk;Zdykiksa ds vk/kkj ij iwath vko';drkvksa dks fu/kkZfjr djus ds fy, cSad esa mfpr ç.kkyh dk;Zjr gS rFkk fujarj mldh fuxjkuh dh tkrh gSA cSad dk ekuuk gS fd iwath miyC/krk laiw.kZ çfØ;k dk dsaæh; fo"k; gS vkSj bldh x.kuk dks uhfr] j.kuhfr] dkjksckj Lrj@la?kVu] i;Zos{kh ljksdkj ,oa çdVu eqíksa ls tksM+k tk ldrk gSA bl fn'kk esa cSad us vkarfjd iwath i;kZIrrkewY;kadu çfØ;k ¼vkbdSi½ dk ,d vPNk <kapk fodflr dj fy;k gS rFkk LrEHk 1 ds varxZr iwath x.kuk ds vykok ckly II ds LrEHk2 ,oa ckly III ds varxZr Hkh vkof/kd varjky ij iwath x.kuk dh tkrh gSA cSad us iw¡th i;kZIrrk ij çfrdwy ncko ifj–';ksa ds çHkkodks vkof/kd vk/kkj ij ekius ds fy, ncko tkap uhfr cuk;h gSA

Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa ds vuq:i] cSad us u;s iwath i;kZIrrk <kapk & ckly II dks ykxw djus ds fy, fuEufyf[kr vo/kkj.kkvksa dks viuk;k gS %& _.k tksf[ke ds fy, ekudh—r vo/kkj.kk&ifjpkyukRed tksf[ke ds fy, ewy lwpd vo/kkj.kk& cktkj tksf[ke ds fy, ekud vof/k vo/kkj.kk

;|fi cSad us orZeku esa mijksä ekudh—r vo/kkj.kkvksa dks viuk;k gS rFkkfi cSad vkarfjd Js.kh fu/kkZj.k vk/kkfjr –f"Vdks.k dks viukus dh fn'kk esa vxzlj jgsxkA

_.k tksf[k+e gsrq iwathxr vko';drk,a %

jkf'k&#@ yk[kksa esa9 dh nj ls ekudh—r –f"Vdks.k ds v/khu iksVZQksfy;ks 492946-05çfrHkwfrdj.k ,Dlikstj 'kwU;

Punjab & Sind Bank

2017-18

st

belong to any group

Not Applicable

Not Applicable

Not Applicable

Not ApplicableNot Applicable

– Basel II.

-- Nil

iatkc ,.M fla/ cSad


cktkj tksf[ke gsrq iwathxr vko';drk,a&ekudh—r vof/k –f"Vdks.k

lkekU; cktkj tksf[ke ij iwath çHkkj jkf'k&#@ yk[kksa esaC;kt nj tksf[ke 55509-29fons'kh fofue; tksf[ke ¼lksus lfgr½ 200-00bfDoVh tksf[ke 6729-40

ifjpkyu tksf[ke gsrq iwathxr vko';drk,a

jkf'k&#@ yk[kksa esaewy lwpd –f"Vdks.k 38865-57

cSad gsrq dqy rFkk Vh;j&1 iwath vuqikr %

ckly III ds vuqlkj dqy iwath vkSj tksf[ke Hkkfjr vkfLr vuqikr ckly III ds vuqlkj dkeu bfDoVh ds vuqlkj dqy iwath vkSj tksf[ke Hkkfjr vkfLr vuqikrckly III ds vuqlkj Vh;j-1 iwath vkSj tksf[ke Hkkfjr vkfLr vuqikr

rkfydk Mh-,Q- 3 & _.k tksf[ke % lkekU; çdVhdj.k

xq.kkRed çdVhdj.k

d- fiNyk cdk;k ,oa vutZd [kkrksa dh ifjHkk"kk ¼okf"kZd lekiu 2016&17 ds fy, ykxw½

cSad us xSj&fu"ikfnr vkfLr;ksa ¼,u-ih-,-½ ds oxhZdj.k ij Hkkjrh; fjtoZ cSad }kjk tkjh ewy foosdiw.kZ fn'kk&funsZ'kksa dk fuEukuqlkjvuqikyu fd;k gS%

d½ tgka fe;knh _.k ds ekeys esa C;kt rFkk@vFkok ewy/ku dh fd'r 90 fnu ls vf/kd vof/k ds fy, vfrns; jgrh gksA

[k½ ;fn cdk;k jkf'k] laLoh—r [email protected] 'kfä ls 90 fnu ls vf/kd le; rd fujarj vf/kd jgrh gSa rFkk@vFkok vf/kfod"kZ@udn _.k vks-Mh-@lh-lh- ds laca/k esa rqyu&i= dh frfFk rd yxkrkj dksbZ jkf'k tek ugha gksrh gS vFkok tek dh x;h jkf'k mruh i;kZIr ugha gS fd bl vof/k ds nkSjku ukes fd, x, C;kt dks olwy fd;k tk lds rks [kkrk ^vfu;fer* gks tkrk gSA

x½ cSad }kjk [kjhns x, vkSj Hkquk, x, fcyksa ds ekeys esa tgka fcy 90 fnuksa ls vf/kd vof/k ds fy, vfrns; jgs gksaA

?k½ vYi vof/k dh Qlyksa ds fy, ewy/ku dh fd'r vFkok ml ij C;kt ds fy, nks Qlyh ekSle rd vfrns; jgk gksA

M+½ nh?kZ vof/k dh Qlyksa ds fy, ewy/ku dh fd'r vFkok ml ij C;kt ds fy, ,d Qlyh ekSle rd vfrns; jgk gksA

p½ çfrHkwfrdj.k ds fnukad 7 ebZ 2012 ds fn'kk&funsZ'kksa dh 'krZ~rksa ds vuqlkj çfrHkwfrdj.k ysu&nsu ds laca/k esa ;fn udnh lqfo/kk dh jkf'k 90 fnuksa ls vf/kd cdk;k jgrh gSA

N½ O;qRiUu lkSnksa ds ekeys esa] vfrns; çkfIr;ka tksfd O;qRiUu lafonk ds ldkjkRed cktkj vafdr ewY; dks çnf'kZr djrh gSa] ;fn pqdkSrhdh fofufnZ"V ns; frfFk ls 90 fnuksa rd cdk;k jgrh gSaA

;gka ^vfu;fer* ls vfHkçk;% ,d [kkrs dks ^vfu;fer^ ekuk tkuk pkfg, ;fn cdk;k jkf'k] laLoh—r [email protected] 'kfä ls fujarj vf/kd jgrh gSA mu ekeyksa esa tgk¡ eq[; ifjpkyu [kkrs esa cdk;k 'ks"k laLoh—r [email protected] 'kfä ls de jgrk gS ysfdu mlesa rqyu i= dh frfFk ds 90 fnuksa rd dksbZ tek,a ugh dh tkrh gSa ;k bl vof/k esa tek dh xbZ jkf'k ukes fd, x, C;kt dks olwy djus ds fy, de gSa rks bu [kkrksa dks ^vfu;fer*ekuk tk,xkA

;gka ^vfrns;^ ls vfHkçk; fdlh Hkh _.k lqfo/kk ds v/khu dksbZ Hkh ns; jkf'k ls gS] ftldk cSad }kjk fu/kkZfjr ns; frfFk ij] Hkqxrku ugha gksrk gSA

mä ds vfrfjä] ,d [kkrs dks fuEu 'krksaZ ds vuqlkj Hkh vutZd ¼,u-ih-,-½ oxhZ—r fd;k tk ldrk gS%&

vLFkk;h vfu;ferrkvksa@dfe;ksa okys [kkrs ¼lanHkZ vkjchvkbZ ,elh fcanq 4-2-4½

tgka dgha fdlh frekgh ds nkSjku yxk;k x;k C;kt ml frekgh lekfIr ds 90 fnuksa ds Hkhrj iw.kZ :i ls vnk ugha gks tkrk vkSj mlls cSad ds fy, vftZr gksus okyh vk; #d tk, rks ,sls [kkrs dks xSj&fu"ikfnr vkfLr ds :i esa oxhZ—r fd;k tk,xkA

Punjab & Sind Bank

2017-18

-- 200.00-

Basic indicator approach

a)

b)

c)

d)

e)

f)

g)

not enough to cover the interest debited during the same period, these accounts should be treated as 'out of order'.

iatkc ,.M fla/ cSad


,d vkfLr dk xSj&fu"ikfnr vkfLr ds :i esa oxhZdj.k olwyh ds fjdkMZ ij vk/kkfjr gksuk pkfg,A cSad dks ,d vfxze [kkrs dk oxhZdj.k dsoy dqN folaxfr;ksa ds gksus ij ugh djuk pkfg, tksfd Lo:i esa vLFkk;h gksrh gSa tSls vafre miyC/k LV‚d fooj.kh ds vk/kkj ij i;kZIr vkgj.k 'kfä dk miyC/k ugh gksuk] vLFkk;h :i ls fyfeV ls vf/kd cdk;k cSysal gksuk] LV‚d fooj.kh dks çLrqr ugh djuk rFkk ns; frfFk ij fyfeV dk xSj&uohuhdj.k vkfnA [kkrksa dh ,slh folaxfr;ksa ds lkFk oxhZdj.k ds ekeys esa] cSad fuEu fn'kk&funsZ'kksadk vuqikyu dj ldrs gSa%i½ cSadksa dks lqfuf'pr djuk pkfg, fd dk;Z'khy iwath [kkrksa esa vkgj.k dks pkyw vkfLr;ksa dh i;kZIrrk ls doj fd;k tk, tSlk fd vkink ds le; pkyw vkfLr;ksa dks igys lek;ksftr fd;k tkrk gSA orZeku LV‚d fooj.kh ij vkgj.k 'kfä dk fu/kkZj.k djuk pkfg,A rFkkfi] cM+s _f.k;ksa dh dfBukbZ;ksa ij fopkj djrs gq,] vkgj.k 'kfä dk fu/kkZj.k djrs le;] LV‚d foojf.k;ka rhu eghus ls vf/kd iqjkuh ugh gksuh pkfg,A rhu eghus ls vf/kd iqjkuh LV‚d fooj.kh ij fu/kkZfjr vkgj.k 'kfä ij vk/kkfjr cdk;k jkf'k ds fu/kkZj.k dks vfu;fer ekuk tk;xkA,d dk;Z'khy iwath [kkrk xSj&fu"iknd gks tk;xk ;fn [kkrs esa yxkrkj 90 fnuksa dh vof/k ds fy, ,slh vfu;fer vkgj.k 'kfä dh Loh—fr nh tkrh gS pkgs bdkbZ dk;Z dj jgh gks vFkok _.kh dh foÙkh; fLFkfr larks"ktud gksA

ii½ fu;fer rFkk ,deq'r _.k lhekvksa dks ns; frfFk@,deq'r laLoh—fr dh frfFk ls rhu eghus igys iqulZeh{kk@fu;fer fd;k tkuk vko';d gSA O;o/kkuksa ds ekeys esa tSls _f.k;ksa ls foÙkh; fooj.kh;ksa dh vkSj vU; vkadM+ksa dh vuqiyC/krk ij 'kk[kk dks lk{; çLrqrdjuk gksxk fd _.k fyfeVksa dk uohuhdj.k@leh{kk igys ls gh py jgh gS vkSj mldks tYn gh iw.kZ dj fy;k tk;xkA fdlh Hkh ekeys esa] lkekU; vuq'kklu ds rkSj ij] N% eghus ls vf/kd dk foyac visf{kr ugh gSA vr%] ,d [kkrs esa tgk¡ fu;fer@,deq'r fyfeVksa dks ns;frfFk@,deq'r laLoh—fr dh frfFk ls 180 fnuksa ds vanj iqulZeh{[email protected] ugh fd;k x;k gS] dks xSj&fu"iknd vkfLr ekuk tk;xkA mä ds vfrfjä] cSad vkfLr;ksa ds oxhZdj.k ds laca/k esa Hkkjrh; fjtoZ cSad }kjk tkjh fuEu fn'kk&funsZ'kksa dk Hkh ikyu dj jgk gSA ¼d½ iqulZjafpr [kkrs ¼[k½ dkykrhr vof/k dh dk;kZUo;u ds varxZr ifj;kstuk ¼x½ iksr ynkuksÙkj vkiwfrZdrkZ _.k ¼?k½ fu;kZr ifj;kstuk foÙk ¼³½ vf/kxzg.k foÙk ¼p½ ljdkjh xkjaVh—r vfxze ¼N½ ch-vkbZ-,Q-vkj-@Vh-,y-vkbZ- }kjk vuqeksfnr iquokZl ds varxZr vfxze ¼>½ _.k ekQh ,oa _.k jkgr ;kstuk 2009 ds v/khu fy;k x;k _.k ¼V½ foÙkh; vkfLr;ksa dks çfrHkwfrdj.k [email protected] daiuh dks cspuk ¼B½ xSj&fu"ikfnr foÙkh; vkfLr;ksa dk Ø;&foØ; ¼<½ [kkrksa dk mUu;u ¼.k½ rqyu&i= dh frfFk ds lehi fu;fer fd, x, [kkrs] vkfnA

[k- _.k tksf[k+e çca/ku rFkk mís'; %

_.k tksf[ke çca/ku foHkkx dk eq[; mís'; cSad ds _.k tksf[k+e dkjksckj dh çHkkoh igpku] ewY;kadu] ifjekiu rFkk çca/ku ds fy,] cSad dh tksf[k+e {kerk ds laca/k esa visf{kr lhek rd bls fu;af=r djuk rFkk miyC/k iwath ds vuq:i ykuk gSA bl çfØ;k dks djrs gq,cSad ds _.k tksf[k+e n'kZu dk y{; tksf[k+e esa deh ykuk rFkk mls ml Lrj ds Hkhrj cuk, j[kuk gS tksfd fgr /kkjdksa dks bfDoVh lfgr cSad ds foÙkh; lalk/kuksa dh lqj{kk lqfuf'pr djus ds lkFk&lkFk cSad dk lrR ,oa lq–<+ fodkl Hkh lqfuf'pr djrk gSA

_.k tksf[k+e cSad dh ;kstukxr uhfr & _.k tksf[k+e %

cSad dh foLr`r ,oa lqifjHkkf"kr _.k uhfr gS] ftlesa uhfrxr vk;kstuk ds fofHkUu vk;ke 'kkfey gSaA _.k dkjksckj rFkk lkekU; vkfFkZd,oa cktkj ifj–'; ds vuq:i vfxze fuos'k lwph esa ifjorZuksa dh vis{kkvksa ij fuHkZj djrs gq, cSad le;-le; ij _.k-uhfr dh iqujh{kkdjrk gSA cSad dh _.k-uhfr o"kZ esa de ls de ,d ckj funs'kd e.My }kjk O;kid leh{kk ds Hkh v/;k/khu gSA cSad dh _.k uhfr esa vU; ckrksa ds lkFk fuEufyf[kr ?kVdksa dk Hkh /;ku j[kk tkrk gS%-Û fofHkUu m|ksx ?kVdksa rFkk _.kdrkZ Jsf.k;ksa esa rdZlaxr lhek dk fu/kkZj.k ,oa fu;a=.kAÛ _.k jsfVax rFkk@vFkok fjVsy ?kVdksa ls laca) tksf[k+e :ijs[kk ij vk/kkfjr ewY;kaduAÛ _.kksa ds ewY;kadu] Loh—fr rFkk fuxjkuh ,oa _.k ds laforj.k dh çfof/k;ksa ds fy, çfØ;k ,oa ç.kkyh ls lacaf/kr ekxZn'khZ funsZ'kAÛ _.k jsfVax ÝseodZA Û fujh{k.k ra= rFkk fofu;ked ,oa uhfrxr ekxZn'khZ funsZ'kksa dk vuqikyuA

_.k&tksf[k+e çca/ku lxBukRed <+k¡pk %

Û _.k tksf[ke çca/ku dk;ksaZ ds fy, cSad ds laxBukRed <+kaps ds 'kh"kZLFk Lrj ij funs'kd&e.My gS] tks tksf[ke çca/ku dkjksckj ij iwjh fuxjkuh j[krk gSA

Û tksf[ke çca/ku lfefr ¼vkj-,e-lh-½ tks fd v/;{k ,oa çca/k funs'kd dh v/;{krk esa e.My dh ,d mi lfefr gS] _.k tksf[ke lfgr lefUor tksf[k+e çca/ku ds fy, uhfr ,oa j.kuhfr rS;kj djrh gSA

Punjab & Sind Bank

2017-18

Regular and ad hoc credit limits need to be reviewed/ regularised not later than three months from the due date/date of ad hoc

should furnish evidence to show that renewal/ review of credit limits is already on and would be completed soon. In any case, delay beyond six months is not considered desirable as a general discipline. Hence, an account where the regular/ ad hoc credit

Balance Sheet date etc.

credit.

:

iatkc ,.M fla/ cSad


Û ifjpkyu Lrj ij] _.k tksf[ke çca/ku lfefr ¼lh-vkj-,e-lh-½ _.k tksf[k+e dk çca/ku djrh gSA blds eq[; dk;ksaZ esa funs'kd e.My }kjk vuqeksfnr _.k tksf[ke çca/ku uhfr;ksa dk cSad O;kih vk/kkj ij dk;kZUo;u rFkk funs'kd&e.My dks _.k tksf[k+e çca/ku lacaf/kr]_.k tksf[k+e dh foosdiw.kZ lhek,a] iksVZQksfy;ksa çca/ku] _.k-mRiknksa vkfn ls lacaf/kr lHkh uhfr;ksa ds vuqeksnu gsrq laLrqfr 'kkfeygSA cSad esa _.k vuqeksnu dh çfØ;k dk <k¡pk cuk gqvk gS vkSj ;g ekudh—r gS] ftlesa _.k vkdyu dh O;kid çfØ;k 'kkfey gSA fdlh Hkh foÙk iks"k.k çLrko ds lkFk tqM+s _.k tksf[k+e ds vkdyu djus gsrq cSad _.kh rFkk çklafxd m|ksxksa ds fofo/k _.k tksf[keksa dk vkdyu djrk gSA

Û egkçca/kd dh v/;{krk esa tksf[k+e çca/ku foHkkx ¼vkj-,e-Mh-½ funs'kd e.My }kjk fu/kkZfjr lhekvksa ds Hkhrj cSad O;kih vk/kkj ij_.k tksf[ke dk ifjekiu] fu;a=.k ,oa çca/ku djrk gS vkSj funs'kd e.My /tksf[k+e çca/ku lfefr@_.k tksf[k+e çca/ku lfefr }kjk fu/kkZfjr tksf[k+e ekin.Mksa ds vuqikyu dks ykxw djrk gSA bl nkf;Ro ds fuokZgu esa tksf[k+e çca/ku foHkkx ds fofHkUu d{k ;Fkk_.k tksf[k+e çca/ku d{k] cktkj tksf[k+e çca/ku d{k] rFkk lapkyuxr tksf[k+e çca/ku d{k bldh enn djrs gSaA

Û egkçca/kd@mi egkçca/kd ds fu;a=.kk/khu fujh{k.k foHkkx ds lkFk-lkFk _.k fuxjkuh foHkkx] _.kksa dh xq.koÙkk ij fuxjkuh] leL;kvksa dh igpku djuk rFkk dkfe;ksa dks nwj djus dk mik; djrk gSA _.kksa dk iqujh{k.k@_.kksa dh ys[kk ijh{kk dk dk;Z _.k ys[kk ijh{kk ds :i esa vyx ls fd;k tkrk gSA

_.k tksf[k+e çca/[email protected] ds fy, ç;qä lk/ku

Û _.k vuqeksnu drkZ çkf/kdkjh 'kfä;ksa dk çR;k;kstuA cSad dh cgqfo/k tksf[ke vk/kkfjr vuqeksnu ç.kkyh ds Hkhrj 'kfä;ksa ds çR;k;kstu dh ,d lqifjHkkf"kr ;kstuk fo|eku gS] ftldh tc dHkh vko';drk gks] O;olkf;d vko';drkvksa dh ck/;rkvksa dks iwjk djus ds fy, le;-le; ij iqujh{kk dh tkrh gSA

Û fofHkUu Lo:i ds _.kdrkZvksa ds fy, ,dy@lewg _.k lqfo/kkvksa tSlh _.k/fuos'k ds fofHkUu igyqvksa ij rdZlaxr _.k lhek,a çpyu esa gSaAÛ tksf[ke] jsfVax/ewY;kadu&cSad us fofHkUu ?kVdksa ds fy, jsfVax e‚My ykxw fd, gq, gSa] tks çfri{k ds cgqfo/k tksf[k+e dkjdksa ds ,dy fcUnq lwpd ds :i esa dk;Z djrs gSa rFkk _.k ewY;kadu fu.kZ;ksa esa ennxkj gksrs gSaA

Û _.k cgh dh xq.koÙkk ds lrRk ewY;kadu rFkk _.k ç'kklu esa xq.kkRed lq/kkj ds fy, _.k ys[kk ijh{kk@_.k iqujh{k.k i)fr ,d çHkkoh midj.k gSA

Û lafoHkkx çca/ku & 'kq:vkrh nkSj esa cSad us ,d lk/kkj.k lafoHkkx fuxjkuh ÝseodZ ykxw fd;k gSA Hkfo"; esa cSad vR;k/kqfud lafoHkkx çca/ku e‚My dks ykxw djsxkA

Û cSad _.k tksf[keksa] ftuds fo#) os vuko`Ùk gSa] dks de djus ds fy, dbZ çdkj dh laikf'kZ~odksa vkSj rduhdksa dks Lohdkj djrk gS]c'krsZ laikf'kZ~od dkuwuh :i ls ykxw djus ;ksX; gSa rFkk ck/;rk/kkjh dh pwd ;k _.k foijhr ifjfLFkfr;ksa ds mRiUu gksus ds ekeysesa laikf'kZ~od vkfLr;ksa dks cspus ds ckn çkIr gksus okyh çkfIr;ksa ij cSad dks nkok djus dh çkFkfedrk gSA

tksf[k+e vkadyu %&

orZeku esa _.k tksf[ke dks O;fäxr Lrj ij _.k nj rFkk iksVZQksfy;ks Lrj ij tksf[k+e Hkkfjr vkfLr;ksa ds ek/;e ls fu/kkZfjr fd;kx;k gS rFkk iwath dks tksf[k+e Hkkj vk/kkj ij O;ofLFkr fd;k x;k gSA

dqy ldy _.k tksf[ke dk ,Dlikstj

Js.kh jkf'k :-@yk[kksa esa1 fuf/k vk/kkfWjr _.k jkf'k dk ,Dlikstj2 xSj fuf/k vk/kkfjr _.k jkf'k dk ,Dlikstj

_.k jkf'k dk HkkSxksfyd forj.k

Js.kh jkf'k :-@yk[kksa esa1 fons'khfuf/k vk/kkfjr _.k jkf'k dk çdVhdj.k

'kwU;

xSj fuf/k vk/kkfjr _.k jkf'k dk çdVhdj.k 'kwU;2 ns'khfuf/k vk/kkfjr _.k jkf'k dk çdVhdj.kxSj fuf/k vk/kkfjr _.k jkf'k dk çdVhdj.k

Punjab & Sind Bank

2017-18

of business environment.

are in place.

of obligor’s default or occurrence of adverse credit events.

Category12

1-

-

2-

-

iatkc ,.M fla/ cSad


,Dlikstj dk m|ksxokj forj.k jkf'k :-@yk[kksa esa

m|ksx fuf/kd xSj&fuf/kd dqyd- [kk?kkUu rFkk mR[kuu 21365-84 15110-69 36476-53d-1 dks;yk@gkMZ fyxukbZV@ihV 1210-31 8735-88 9946-19d-2 vU; [kk?kkUu 20155-53 6374-81 26530-34[k- [kk| çlaLdj.k 92682-23 1710-16 94392-39[k-1phuh 17289-93 182-75 17472-68[k-2 [kk| rsy vkSj ouLifr 12074-68 542-70 12617-38[k-3 pk; 2205-56 0-00 2205-56[k-4 d‚Qh 11-68 0-00 11-68[k-5 vU; [kk| çlaLdj.k 61100-39 984-70 62085-09x- csojst ,oa rackdw 31590-83 1885-94 33476-77x-1 rackdw ,oa rackdw mRikn 10-66 0-00 10-66x-2 csojst ,oa rackdw vU; 31580-16 1885-94 33466-10?k- diM+k m|ksx 147849-74 3499-27 151349-01?k-1 d‚Vu 90412-1 2572-53 92984-63?k-1-1 fLifuax 77967-88 2548-03 80515-91?k-2 twV 254-53 0-00 254-53?k-2-1 fLifuax 52-51 0-00 52-51?k-3 gSaMhØk¶V@[kknh ¼,uih,l½ 3472-3 8-43 3480-73?k-3-1 fLiafuax 616-7 5-75 622-45?k-4 flYd 5832-96 457-05 6290-01?k-4-1 fLifuax 3538-59 0-00 3538-59?k-5 owyu 531-1 26-52 557-62?k-5-1 fLiafuax 10-19 2-23 12-42?k-6 diM+k m/kksx vU; 47346-74 434-74 47781-48M+- peM+k&peM+k mRikn 19797-01 220-29 20017-30p-ydM+h ,oa ydM+h mRikn 8329-9 1854-97 10184-87N- dkxt rFkk dkxt mRikn 3330-32 92-99 3423-31t- iSVªks@dks;yk@ukHkdh; bZa/ku 37365-33 43-96 37409-29>-jlk;u ,oa jlk;u mRikn 6126-32 396-59 6522-91>-1 QVhZykbtj 58-33 0-00 58-33>-2 MªXl ,oa QkekZ 1609-5 6-60 1616-10>-3 iSVªks –jlk;u 847-35 47-70 895-05>-4 jlk;u ,oa jlk;u mRikn 3611-14 342-29 3953-43V- jcM+] IykfLVd ,oa blds mRikn 19421-72 2726-45 22148-17B- dkap ,oa blds cus mRikn 1533-57 151-55 1685-12M- lhesaV&lhesaV mRikn 2370-95 7797-94 10168-89

Punjab & Sind Bank

2017-18

1210.31

B.1 SUGAR

0.00

0.00

0.00

D.1.1 SPINNING

0.00

D.2.1 SPINNING 0.00

D.3.1 SPINNING

0.00

2.23

3330.32

0.00

iatkc ,.M fla/ cSad


m|ksx fuf/kd xSj&fuf/kd dqy<+- ewy /kkrw&/kkrw mRikn 215196-61 4802-56 219999-17<+-1 yksgk vkSj LVhy 183982-46 1297-69 185280-15<+-2 vU; /kkrw rFkk /kkrw mRikn 31214-14 3504-87 34719-01.k- leLr bathfu;fjax 41834-57 6442-22 48276-79.k-1 bySDVªkfuDl 1289-99 297-29 1587-28.k-2 leLr bathfu;fjax &vU; 40544-59 6144-93 46689-52r- okgu@okgu dyiqtsZ@VhihVh vkStkj 25457-37 11787-76 37245-13Fk- jru vkSj vkHkw"k.k 164461-06 12639-59 177100-65n- fuekZ.k 62510-8 35097-91 97608-71/k- ewyHkwr vko';d rRo 1500280-9 114942-87 1615223-77/k-1 VªkaliksVZ 311425-06 80031-48 391456-54/k-1-1 jsyos 19385-59 27169-18 46554-77/k-1-2 jksMost 274764-5 52196-58 326961-08/k-1-3 vU; 3569-81 477-26 4047-07/k-1-4 okVjost 27-04 90-37 117-41/k-1-5 vU; 13678-13 98-09 13776-22/k-2 ÅtkZ 716763-09 23429-22 740192-31/k-2-1 bySDVªkfuDl ¼lkek-@Vhvkj,e,u@MhVhch½ 716685-91 22604-58 739290-49/k-2-2 rsy ¼,lVhvkjth@ikbiykbZu½ 64-6 824-64 889-24/k-2-3 xSl@vy-vu- xh@ikbiykbZu½ 12-58 0-00 12-58/k-3 Vsyh dE;wfuds'ku 70305-95 147-15 70453-10/k-4 ewyHkwr vko';Zd rRo&vU; 401786-77 11335-03 413121-80/k-4-1 okVj lSfuVs'ku 214264-57 2639-60 216904-17/k-4-2 lkekftd vkSj dE;wfuds'ku 187522-2 8695-43 196217-63u- vU; m|ksx 14404-07 975-83 15379-90i- vof'k"V 4557969-24 179340-51 4737309-75i- d f'k{k _.k 24983-75 33-91 25017-66i- [k- mì;u {ks= 33603-44 23-04 33626-48vU; 4499382-05 179283-56 4678665-61dqy ;ksx 6973878-38 401520-05 7375398-43

mYys[kuh; ,Dlikstj

m|ksx tgka dqy vk/kkfjr ,Dlikstj] dqy fuf/k vk/kkfjr rFkk xSj fuf/k vk/kkfjr _.k tksf[ke ds 5 ls vf/kd gSA jkf'k& :@yk[kksa esa

Øe la0 m|ksx ,Dlikstj1 cqfu;knh lqfo/kk,a 2 vof'k"V

Punjab & Sind Bank

2017-18

0.00

c. others

1 Infrastructure

2 Residuary

iatkc ,.M fla/ cSad


vkfLr;ksa dk vfof'k"V lafonkxr ifjiDork fodkj

jkf'k& :@yk[kksa esa

vof/k iw.kZ gksus dk Lo:i% le;kof/k

_.k ,oa tksf[ke

fuos'k ¼cgh ewY;½

fons'kh eqæk tek jkf'k;ka m/kkjns;rk,a vkfLr;ka

vxyk 1 fnu 180232.00 0.00 0.00

2 fnu ls 7 fnu 10000.00

8 fnu ls 14 fnu15 fnu ls 30 fnu 313.00 380322.00 0.00

31 fnuksa ls 2 ekg 0.00

2 ekg ls vf/kd 3 ekg rd 0.00

3 ekg ls vf/kd 6 ekg rd6 ekg ls vf/kd 1 o"kZ rd 0.00 0.00

1 o"kZ ls vf/kd 3 o"kksaZ rd3 o"kksaZ ls vf/kd 5 o"kksaZ rd 0.00 0.00

5 o"kksaZ ls vf/kd 0.00 0.00 0.00

dqy ;ksx

,u-ih-,- dh jkf'k ¼ldy½

Js.kh jkf'k&:i,@&yk[kksa esa 1- voLrjh;2- lafnX/k 13- lafnX/k 24- lafnX/k 35- gkfu

dqy

fuoy%& ,u-ih-,- jkf'k& :-@yk[kksa esa

fuoy%& ,u-ih-,

,u-ih-,-vuqikr

Js.kh çfr'kr1- ldy vfxze dk ldy ,u-ih-,-2- fuoy vfxze dk fuoy ,u-ih-,-

,u-ih-,- ¼ldy½ esa mrkj&p<+ko

jkf'k- :@yk[kksa esavFk'ks"ktekdehbfr'ks"k

Punjab & Sind Bank

2017-18

sAssets

Next 1 Day 180232.00 0.00 0.00

10000.00

313.00 380322.00 0.00

0.00

0.00

0.00 0.00

0.00 0.00

0.00 0.00 0.00

1 Substandard23

Net NPAs

1 Gross NPAs to Gross advances2 Net NPAs to Net advances

Opening Balance

Closing Balance

iatkc ,.M fla/ cSad


,u-ih-,- gsrq çko/kkuksa esa mrkj&p<+kojkf'k- :@yk[kksa esa

Øela[;k

çko/kku xSj fu"ikfnr vkfLr;ksa ds fy, çko/kku

çkjafHkd 'ks"ktek% o"kZ ds nkSjku fd, x, çko/kku%

?kVk,a% ¼,½ vixzsM fd, x, [kkrs 0.00

¼ch½ vfrfjä çko/kkuks dks okfil ysuk/ cêS [kkrs esa Mkyuk*mi&;ksx ¼ch½bfr'ks"k

cês [kkrs esa Mkys x, rFkk olwfy;ksa dk fooj.k tks vk; fooj.kh esa lh/ks cqd fd, x,#i, yk[kksa esa

rduhdh :i ls cês [kkrs esa Mkys x, _.kksa rFkk vfxzeksa ij C;kt fofo/k vk;&rduhdh :i ls cês [kkrs esa Mkys x, [kkrksa esa olwyhdqy 6693.75

xSj&fu"ikfnr fuos'kksa dh jkf'k

jkf'k& :@yk[kksa esaxSj&fu"ikfnr fuos'kksa dh jkf'k

xSj&fu"ikfnr fuos'kksa ds fy, çko/kkuksa dh jkf'kjkf'k& :@yk[kksa esa

xSj&fu"ikfnr fuos'kksa ds fy, çko/kku

fuos"k ij ewY; ºzkl gsrq çko/kkuksa esa mrkj&p<+kojkf'k- :@yk[kksa esa

vFk 'ks"ko"kZ ds nkSjku fd, x, çko/kkucês [kkrs [kksyuk 0.00

vf/kd çko/kkuksa dk iqujkadu 0.00

bfr'ks"k

'kh"kZ m|ksxksa esa xSj&fu"ikfnr vkfLr;ksa dk fo'ys"k.kjkf'k& :@yk[kksa esa

m|ksx ldy xSj&fu"ikfnr vkfLr;ka xSj&fu"ikfnr vkfLr;ksa ds fy, çko/kku5 'kh"kZ m|ksxksa esa xSj&fu"ikfnr vkfLr;ka

xSj&fu"ikfnr vkfLr;ksa rFkk çko/kku dk Hkwxksy okj forj.kjkf'k& :@yk[kksa esa

m|ksx ldy xSj&fu"ikfnr vkfLr;ka xSj&fu"ikfnr vkfLr;ksa ds fy, çko/kku ekud vfxzeksa ds fy, çko/kku?kjsywfons'kh 0.00 0.00 0.00

Punjab & Sind Bank

2017-18

Opening BalanceAdd

Upgraded Accounts 0.00

Closing Balance

6693.75


0.000.00

Closing Balance

0.00 0.00 0.00

iatkc ,.M fla/ cSad


rkfydk Mh-,Q-& 4 & _.k tksf[k+e% ekudh—r –f"Vdks.k ds varxZr lafoHkkx dk çdVhdj.k

xq.kkRed çdVhdj.k

1- cSad us lh-vkj-,-vkj- ifjdyu gsrq ekudh—r –f"Vdks.k ds varxZr tksf[k+e Hkkj fu/kkZj.k djus ds fy, fuEu Js.kh fu/kkZjd ,tsfUl;ksa dhlkekU; jsfVax dk mi;ksx djuk vuqeksfnr fd;k gSA ?kjsyw nkoksa ds fy, fØfly] vkbZlhvkj,] bafM;k jsfVax] fczdodZ] ,l,ebZvkj, rFkkds;j ,oa vfuoklh d‚jiksjsV] fons'kh cSadksa rFkk fons'kh ljdkj ds nkoksa ds fy, ,l ,.M ih] fQp rFkk ewMht dks vuqeksfnr fd;k gSA

Hkkjrh; fjtoZ cSad dh ifjHkk"kk ds vuqlkj bu leLr ,tsafl;ksa dk Js.kh fu/kkZj.k leLr çdkj ds _.k tksf[keksa ds fy, ç;ksx esayk;k tk jgk gS] c'krsaZ cklsy&II ds varxZr lh-vkj-,-vkj- ifjdyu gsrq ekudh—r –f"Vdks.k ds varxZr tksf[ke Hkkj ds fy, Js.khdk fu/kkZj.k fd;k tk jgk gksA

2- cSafdax cfg;ksa esa rqyukRed vkfLr;ksa ij vk/kkfjr Js.kh fu/kkZj.k ds vk/kkj ij lkoZtfud fuxZe ds varj.k ds fy, ç;ksx esa ykbZ xbZçfØ;k Hkkjrh; fjtoZ cSad dh fofu;ked vfuok;Zrk ds vuq:i~ gSA Js.kh fu/kkZjd ,tsfUl;ksa }kjk çdkf'kr lkoZtfud Js.kh fu/kkZj.kmudh osclkbZV ij Hkh miyC/k gS] ftldk mís'; gsrq mi;ksx fd;k x;k gSA lEcfU/kr Js.kh fu/kkZjd ,tsUlh ds ekfld cqysfVu dsvuqlkj ykxw Js.kh rFkk ftldh de ls de xr 15 ekg esa ,d ckj leh{kk dh tk pqdh gS] dk bl mís'; gsrq ç;ksx fd;k x;k gSA

3- tg‚a çR;sd _.k tksf[ke dk Js.kh fu/kkZj.k dsoy ,d vuqeksfnr Js.kh fu/kkZj.k ,tsUlh }kjk fd;k x;k gS] ds viokn dks NksM+dj]çfri{k fo'ks"k ij leLr _.k tksf[ke ds fy, cSad us dsoy ,d ,tsUlh ds Js.kh fu/kkZj.k dk ç;ksx fd;k gS ;|fi bu _.k tksf[k+eksadk ,d ls vf/kd ,tsfUl;ksa }kjk Js.khdj.k fd;k x;k gSA

4- tksf[k+e Hkkj gsrq ik=rk ds fy, ;g lqfuf'pr fd;k tkrk gS fd ckgjh _.k ewY;kadu rFkk cSad }kjk mls çnÙk leLr Hkqxrku vFkkZrewy jkf'k rFkk C;kt ds lEcU/k esa] _.k tksf[k+e ,Dlikstj dh iwjh jkf'k 'kkfey djrk gS rFkk çfrfcafcr djrk gSA tksf[k+e Hkkj dsfy, d‚jiksjsV xzqi esa ,d dEiuh ds fy, ckgjh fu/kkZj.k dk ç;ksx mlh xzqi dh vU; dEifu;ksa ds ckgjh fu/kkZj.k ds fy, ç;ksx ughafd;k x;k gSA

5- vkfLr;k¡ ftudh lafonkxr ifjiDork ,d o"kZ ;k mlls de gS] ds fy, vYikof/k Js.kh fu/kkZj.k dk ç;ksx fd;k x;k gS tcfd vU; vkfLr;ksads fy, nh?kkZof/k Js.kh fu/kkZj.k dk ç;ksx fd;k x;k gSA udn m/kkj ,Dlikstj ds fy, nh?kkZof/k Js.kh fu/kkZj.k dk ç;ksx fd;k x;k gSA

6- tgk¡ tkjhdrkZ dk ,d nh?kkZof/k ,Dlikstj gS ftl ij ckgjh nh?kkZof/k Js.kh fu/kkZj.k ds vuqlkj 150 çfr'kr tksf[k+e Hkkj vfHk"Vgksrk gS] mlh çfri{k ds leLr xSj&Js.khxr nkos pkgs os vYikof/k gksa ;k nh?kkZof/k ij 150 çfr'kr tksf[k+e Hkkj ekuk tk,xk] flok,,sls nkoksa esa tgk¡ tksf[k+e de djus dh rduhd ç;ksx esa ykbZ xbZ gks vYikof/k Js.kh fu/kkZj.k ij Hkh ;gh ykxw gksxkA

7- vuqeksfnr Js.kh fu/kkZj.k ,tsfUl;ksa }kjk vYikof/k Js.kh fu/kkZj.k dks vYikof/k _.k tksf[k+e Hkkj ds fy, ekudh—r –f"Vdks.k ds varxZrtksf[k+e Hkkj esa çR;{k :i ls 'kkfey fd;k tkrk gSA

Hkkjrh; fjtoZ cSad }kjk fn, x, tksf[ke Hkkj ekufp=.k ds :i esa Hkh blh rtZ ij ckgjh ØsfMV jsfVax ,tsafl;ksa ds vYikof/k Js.khds lkFk ¼1 o"kZ rd½ ds vYikof/k _.k ds vkarfjd ewY;kadu dh eSfiax ds fy, ,d ra= gS] gekjs cS ad esa çpyu esa igys ls gh gS A

8- ;fn ik= _.k fu/kkZj.k ,tsafl;ksa }kjk nks Js.kh fu/kkZj.k dh xbZ gSa ftlesa nks vyx&vyx tksf[ke Hkkj vafdr fd, x, gSa] ogk¡mPpjrj tksf[ke Hkkj ykxw fd;k tkrk gSA ;fn ik= _.k Js.kh fu/kkZj.k ,tsafl;ksa }kjk rhu ;k vf/kd Js.kh fu/kkZfjr dh xbZ gS ftlesatksf[ke Hkkj vafdr fd, x, gSa] ogk¡ nks rnuq:ih fuEure tksf[k+e Hkkjksa dh Js.kh fu/kkZj.k ds lanHkZ esa rFkk bu nksuksa tksf[k+e Hkkjksa esamPperj tksf[ke Hkkj dks ykxw fd;k x;k gS] vFkkZr nwljk lcls U;wure tksf[ke HkkjA

9- tg‚a fo'ks"k fu/kkZfjr ekeyksa esa nkok fuos'k ugha gS] fuos'k nkoksa ij tksf[k+e Hkkj p;fur _.k Js.kh oxhZdj.k ,tsUlh }kjk fo'ks"k Js.khfu/kkZj.k ij vk/kkfjr gSaA

i½ _.k fo'ks"k ds fy, ykxw Js.kh fu/kkZj.k ¼tg‚a Js.kh oxhZdj.k ds tksf[k+e Hkkj xSj&Js.kh—r ekeyksa ij ykxw tksf[k+e Hkkj ls degS½ cSad ds dsoy xSj&fu/kkZfjr nkoksa ij ykxw gS] tg‚a oxhZ—r ekeyk ,d vYikof/k vfuok;Zrk gS ;fn og nkok le:i oxhZ—r gS ;k gj çdkj ls fof'k"V oxhZ—r _.k ls vf/kd gS rFkk xSj &fu/kkZfjr ekeyksa dh ifjiDork fu/kkZfjr ekeyksa dh ifjiDork ds ckn ugha gS] dks NksM+dj cSad ds dsoy xSj&fu/kkZfjr ekeys ij ykxw gSA

ii½ ;fn tkjhdrkZ ;k ,dy fuxZe ds fy, xSj&fu/kkZfjr ekeyksa ds fy, ykxw tksf[k+e Hkkj ls vf/kd ;k mlds cjkcj tksf[k+e Hkkj fu/kkZj.k fd;k x;k gS rks ml çfri{k ij xSj&fu/kkZfjr ekeyksa ds fy, ogh tksf[k+e Hkkj fu/kkZfjr gksxk tksfd _.k tksf[k+e Hkkj ij ykxw gksxk] ;fn ;g nkok mlds lkFk&lkFk ;k gj çdkj ls fu/kkZfjr _.k tksf[k+e Hkkj ls de gSA

Punjab & Sind Bank

2017-18

1.

2.

3.

agencies.

4.

5.

6.

7.

8.

9.

i)

xcept

ii)

iatkc ,.M fla/ cSad


ekudh—r –f"Vdks.k j[krs gq, tksf[ke de djus ds ckn Hkkj jkf'kjkf'k- :@yk[kksa esa

tksf[ke Hkkj Js.kh _.k tksf[ke de djus ds ckn tksf[ke Hkkj100 tksf[ke Hkkj ls de100 tksf[ke Hkkj100 tksf[ke Hkkj ls vf/kddVkSrhdqy

rkfydk Mh-,Q- 5-

_.k tksf[k+e de djuk % ekudh—r –f"Vdks.k ds fy, çdVhdj.k

xq.kkRed çdVhdj.k

1- laLFkk ds vtZu dks ?kkVs ls cpkus ds fy,] _.k tksf[k+e de djds jktLo o`f) djuk çca/ku dk çeq[k midj.k gSA cSad vius nSfudifjpkyu ds nkSjku _.k tksf[k+eksa dks de djus ds fy, vusd rjhds vkSj rduhd viukrs gSaA ifjiDork vlarqyu] eqæk vlarqyu vkSjewY; lek;kstu ds i'pkRk] iwath çHkkj dks de djus gsrq i;Zos{kd us _.k tksf[k+e de djus ds mik;ksa dh vuqefr nh gSA u, iwathi;kZIrrk ÝseodZ ¼csly&II rFkk csly&III½ ds varxZ r igpkus x, _.k tksf[k+e de djus ds fofHkUu dkjd ¼lh-vkj-,e-½ fuEu gSa %&Û lEikf'koZd lapkyuÛ v‚u&cSysal&'khV&usfVaxÛ xkjafV;‚a

2- ik= foÙkh; lEikf'koZd çfrHkwfr;k¡

ekud –f"Vdks.k ds varxZr lHkh lEikf"kZ~odksa dks _.k tksf[k+e de djus gsrq ugha ekuk x;k gSA igpkuh xbZ foÙkh; lEikf"kZ~odfuEufyf[kr gSa%&1-½ udnh vkSj tek,a ftlesa fons'kh eqæk lfEefyr gSaA2-½ lksuk % 99-99 çfr'kr dh 'kq)rk çekf.kr djukA3-½ dsUæ vkSj jkT; ljdkjksa }kjk tkjh çfrHkwfr;k¡A4-½ fdlku fodkl&i= vkSj jk"Vªh; cpr&i=A5-½ thou&chek i‚fyfl;k¡A6-½ _.k&çfrHkwfr;k¡ % 'krZ~rksa ds vuqlkj oxhZ—rA7-½ cSad }kjk 'krZ~rksa ds vuqlkj tkjh voxhZ—r _.k&çfrHkwfr;k¡A8-½ 'krZ~rksa ds vuqlkj E;wP;qvy QaMksa ds ;wfuV~lA9-½ iqu% çR;kHkwru ¼jhflD;wfjVkbts'kUt½] ØsfMV jsafVax gks ;k u gks] foÙkh; laikf'kZ~oZd ds ik= ughaA

lkaikf'oZd lapkyu esa iwath jkgr çkIr djus ds fy, dqN vfrfjä ekunaM gSa ftudk lh/ks rkSj ij lEikf'kZ~od çca/ku ij çHkkj iM+rk gS vkSj lEikf'kZ~od çca/ku ds nkSjku bu igyqvksa dks /;ku esa j[kk tkrk gSA

3- v‚u&cSysal&'khV&usfVax

v‚u&cSysal&'khV&usfVax dsoy _.k/vfxzeksa ¼_.k tksf[k+e ds :i esa ekU;½ vkSj tekvksa ¼lkaikf'oZd ds :i esa ekU;½ rd gh lhfergS] tgk¡ cSad ds ikl dkuwuh :i ls ykxw usfVax çca/k gS ftlesa fo'ks"k xzg.kkf/kdkj çys[kksa dh tkap dh tkrh gS vkSj ftudk fuoyvk/kkj ij çca/ku fd;k tkrk gSA

4- xkjafV;k¡ % tgk¡ xkjafV;k¡ lh/ks rkSj ls] lqfuf'pr] vfodYih vkSj 'krZjfgr gSa] cSad iwath i;kZIrrk dh lax.kuk djrs le; ,sls _.klaj{k.k dks /;ku esa j[krk gSA ckly&II rFkk ckly&III ds vuqlkj ik= xkjaVjksa/çfr xkjaVjksa ds oxZ esa ;s 'kkfey gSa %

i½ lEçHkq] lEçHkqrk çkIr laLFkk,a ¼ch-vkbZ-,l-] vkbZ-,e-,Q-] ;wjksfi;u lsaVªy cSad vkSj ;wjksfi;u leqnk; ds lkFk mYysf[kr ,e-Mh-ch-,l-] bZ-lh-th-lh- ,oa lh-th-Vh-,l-vkbZ-] lh-vkj-th-,Q-Vh-,y-vkbZ- ,p- lfEefyr gSa½] cSad vkSj çkbZejh Mhyj tks çfr i{k ls de Hkkfjr tksf[k+e ;qä gSaA

Punjab & Sind Bank

2017-18

Deducted

→→→ Guarantees

. :

i. Cash and Certain Deposits.

ii.

iii.

iv.

v.

vi.

vii.

viii.

ix.

a net basis.

i.

iatkc ,.M fla/ cSad


ii½ fdlh çR;kHkwru vofLFkfr esa tc _.k laj{k.k çnku fd;k x;k gks rks mls NksM+dj vU; dkjd cká fu/kkZfjr gksrs gSaA blesa ewy] lgk;d rFkk lac) daifu;ksa }kjk _.k laj{k.k çnku fd;k tkuk 'kkfey gSa tc os vkHkkjh ls de tksf[ke Hkkj ij gksaA

iii½ _.k laj{k.k fdlh çR;kHkwru vofLFkfr esa çnku fd;k tkrk gS] vU; dkjd] tks ml le; cká fu/kkZfjr gS ch-ch-ch-& vFkok csgrj vkSj tks cká :i ls ,& vFkok csgrj fu/kkZfjr Fks] mUgsa _.k laj{k.k çnku fd;k x;k FkkA blesa ewy] lgk;d rFkk lac) daifu;ksa }kjk _.k laj{k.k çnku fd;k tkuk 'kkfey gS tc os vkHkkjh ls de tksf[ke Hkkj ij gksaA

cSad ,Dlikstj ds çfr lHkh çdkj dh çfrHkwfr;k¡ Lohdkj djrk gSA fQj Hkh ckly&III ds fu;eksa ds vuqlkj] _.k tksf[k+eksadk leatu ls iwoZ] ik= lEikf'kZ~odksa ij fopkj fd;k tkrk gS vkSj mudk mfpr mipkj fd;k tkrk gSA cSad ds ikl _.k tksf[k+e de djus dh ,d foLr`r i‚fylh gS vkSj çfrHkwfr;ksa ds ewY;kadu djus ds fn'kk&funsZ'k miyC/k gSaA cSad xkjaVjksa dh jsfVax djrs le; çfr ikVhZ ls csgrj xkjaVhdrkZvksa dh jsfVax ds ekeyksa esa] ik= xkjafV;ksa dk laKku djrk gSA blds vfrfjä _.k lqj{kk ds fy, dsaæh; ljdkj] jkT; ljdkj] bZ-lh-th-lh- vkSj lh-th-Vh- doj dks Hkh mi;qä tksf[k+e Hkkj yxkrs le; /;ku esa j[kk tkrk gSA

ekud –f"Vdks.k ds varxZr _.k tksf[k+e lafoHkkx dk çdVhdj.k doj fd;k x;kA dqy _.k tksf[ke% ik= foÙkh; çfrHkwfr dVkSrh djus ds mijkUr #- Rs- -285541-72 yk[k

rkfydk Mh-,Q-& 6& çfrHkwfrdj.k % ekudh—r –f"Vdj.k ds fy, çdVhdj.k

xq.kkRed çdVhdj.k

vkfLr;ksa ds çdVhdj.k dh uhfr ds mís';

1- lalk/kuksa dks c<+kus gsrq

1-1 mfpr ewY; ij ¼vkfLr vk/kkfjr çfrHkwfrdj.k@ca/kd ds ek/;e ls ½ cSad ds lalk/kuksa dks c<+kukA

1-2 t:jr iM+us ij] ifjiDork varj dks de djus ds fy,] mÙke vkfLr ns;rk çca/ku gsrq yEch le;kof/k dh vkfLr;ksa dks cspk tkldrk gSA

1-3 cSad dh lao`f) dks çHkkfor fd, fcuk n{krk ls iwath dks"k dh O;oLFkk djuk A

1-4 iwath dh nqyZHkrk ds ckotwn O;olk; dh fujarjrk rFkk vkfLr;ksa ds vkorZu djukA

1-5 fuf/k;ksa ds u, lzksrksa dk mi;ksx rFkk orZeku fuf/k;ksa ds lk/kuksa dk fofo/khdj.kA

1-6 çfrykHk dks c<+kus ds fy, vkfLr;ksa dk tYnh tYnh Ø;&foØ; A

1-7 _.k lafoHkkx ds mfpr çca/ku ds fy, mPp laØsUæ.k ds {ks=ksa esa vkfLr;ksa dks fdjk, ij ysdj] cSad bu {ks=ksa esa vfrfjä O;olk;djuk tkjh j[kus dh fLFkfr esa gksxk vkSj bl rjg cktkj esa viuk fgLlk] xzkgd laca/k bR;kfn cjdjkj j[k ldrk gSA

2- vf/k'ks"k fuf/k;ksa dk vfHkfu;kstu % ihVhlh ds fy, vfHknku djds ;k fQj mfpr çfrykHk nj okys _.kksa ds f}i{kh; vkoaVu ds ek/;els vkfLr;ksa dh [kjhn }kjk vf/k'ks"k fuf/k;ksa ds Fkksd vfHkfu;kstu dk Hkh ,d lk/kuA

gkyk¡fd] cSad us çfrHkwfrdj.k ds varxZr ekudh—r _.k lafoHkkx dks fdlh vU; laLFkk ¼vksa½ dks ugha cspk gSA

ekud lewg vkfLr;ksa ds çfrHkwfrdj.k ¼leuqns'ku½ ds varxZr _.k tksf[ke ¼cdk;k 'ks"k½ :- 5432-00 yk[kks esa A

rkfydk Mh-,Q-& 7& VªsfMax cqd esa cktkj tksf[k+e

xq.kkRed çdVhdj.k

cktkj tksf[k+e dk vk'k; C;kt njksa esa ifjorZu] fons'kh eqæk njksa] cktkj ewY;ksa ,oa ifjorZuh;rk ls gksus okys Hkfo"; dh vk; dh vfuf'prrk ls gSA cSad ;g ekurk gS fd cktkj tksf[k+e esa mlds m/kkj/_.k nsus rFkk tek ysus tSls O;olk;ksa vkSj fuos'k xfrfof/k;ksa ;Fkk LFkku xzg.k djuk ,oa O;kikj djuk Hkh 'kkfey gSA cktkj tksf[ke dk fuos'k uhfr;ksa rFkk cktkj tksf[ke çca/ku uhfr ds vuqlkj çca/ku fd;k tkrk gS]ftldk vuqeksnu cksMZ }kjk fd;k tkrk gSA ;s uhfr;ksa] çfrHkwfr;ksa ds çpkyu] fon'kh eqæk rFkk vU; mRiknksa dks lq–<+ ,oa Lohdk;Z O;kikj] dk;Z çfØ;kvksa ds vuqlkj gksuk lqfuf'pr djrh gS vkSj tgka rd gks lds ;s fofu;ked fn'kk&funsZ'kksa ds vuqlkj forh; çfrHkwfr;ksa dsvarj.k dks 'kkflr djus okys fo/kkuksa rFkk foÙkh; ifjos'k ds vuqlj.k esa dk;Z djrs gSaA O;kikj dh iqLrdksa esa cktkj tksf[k+e dk vkadyu ekudh—r vkof/kd vfHk:[k ds vuqlkj fd;k tkrk gSA VªsfMax ¼O;kikj½ ds vk;kstu gsrq rFkk foØ; ds fy, miyC/k iksVZQksfy;ks ds vuqlkj iwathxr pktZ dh lax.kuk Hkkjrh; fjtoZ cSad ds çwMsaf'k;y fn'kk&funsZ'kksa ds vuqlkj dh tkrh gSA

Punjab & Sind Bank

2017-18

ii.

the obligor.

iii.

mismatches.

of assets through bilateral assignment of debts with reasonable rate of return.

iatkc ,.M fla/ cSad


cktkj tksf[ke çca/ku ds mís'; %

cktkj tksf[k+e çca/ku ds mís'; fuEu çdkj ls gS %

Û pyfuf/k dk çca/kuÛ C;kt nj tksf[ke ,oa fofue; nj tksf[k+e dk çca/kuÛ fuos'k iksVZQksfy;ks dk mfpr oxhZdj.k ,oa ewY;kaduÛ fuos'kksa rFkk O;qRiknksa inkFkksZ dh i;kZIr ,oa mfpr fjiksaZfVaxÛ fofu;ked vis{kkvksa dk vuqikyu

ek=kRed çdVhdj.k %

iwath vko';drk jkf'k- :/yk[kksa esaC;kt nj tksf[k+ebZfDoVh fLFkfr tksf[k+efons'kh fofue; tksf[k+e 'kwU;

rkfydk Mh-,Q-& 8& ifjpkyuxr tksf[k+e

xq.kkRed çdVhdj.k

cSad us ^îfjpkyu tksf[ke çca/ku ^^vkSj^^ O;olk; fujarjrk ;kstuk vkSj vkink fjdojh çca/ku^^ ij uhfr;ka rS;kj dh gSaA cSad dk funs'kd e.My okf"kZd vk/kkj ij bu uhfr;ksa dh leh{kk djrk gSA cSad tksuy v‚fQl / gsM v‚fQl ls ^^gkfu vkadM+ksa^^ ,d= dj jgk gS vkSj ;gfrekgh vk/kkj ij leh{kk ds fy, vksvkj,elh ds le{k j[kk tk jgk gSA cSad ds ikl cSad ds lexz ifjpkyu tksf[ke ds çca/ku dks ykxwdjus ds fy, y‚l MkVk çca/ku <+kpk gSAcSad cksMZ }kjk vuqeksfnr vkjlh,l, <kaps ds vuqlkj fdlh fo'ks"k mRikn ;k xfrfof/k ls mRiUu gksus okys tksf[ke dk vkdyu djus ds fy, tksf[ke vkSj fu;a=.k Lo&vkdyu ¼vkjlh,l,½ dk;Z'kkyk vk;ksftr dj jgk gSA vkjlh,l, dk;Z'kkyk dk ifj.kke leh{kk ds fy, vksvkj,elh ds le{k j[kk tk jgk gSA vkxs cSad 'kq#vkrh psrkouh ladsrksa dh igpku djus ds fy, frekgh vk/kkj ij igpkus x, çeq[k tksf[ke ladsrdksa ¼dsvkjvkbZ½ dh fuxjkuh dj jgk gS vkSj blfy, varfuZfgr eqíksa vkSj laHkkfor gkfu;ksa dks lfØ; :i ls çcaf/kr@dedjus dh dksf'k'k dj jgk gS tks dsvkjvkbZ <kaps ds mís';ksa esa ls ,d gSAifjpkyukRed tksf[k+e lEcU/kh uhfr ds vuqlkj dk;Zdkjh funs'kd dh v/;{krk esa ifjpkyukRed tksf[k+e çc a/ku lfefr¼vks-vkj-,e-lh-½ xfBr dh xbZ gSAvks-vkj-,e-lh- dh fu;fer cSBdsa çR;sd frekgh esa de ls de ,d ckj vk;ksftr dhtkrh gSA 'kk[kkvksa dh v‚u lkbZV tksf[k+e vk/kkfjr vkarfjd ys[kk&ijh{kk ¼vkj-ch-vkbZ-,-½ cSad dk fujh{k.k foHkkx lEiUu djrk gSA gkml dhafiax] lek;kstu ,oa /kks[kk/kM+h vkfn ls lEcfU/kr ekeyksa esa Øe'k% fujh{k.k foHkkx]lek;kstu foHkkx ,oa lrdZrk foHkkx budhfjiksfVaZx le;≤ ij v‚fMV desVh v‚Q cksMZ ¼,-lh-ch-½ dks djrs gSaA ifjpkyukRed tksf[k+e rFkk O;olk; fujarjrk;kstuk ls lEcfU/krfofu;ked fjiksVZ dks le;c) ,oa fu;fer fd;k tkrk gSA ifjpkyukRed tksf[k+e ds fy, iwath çHkkj dh lax.kuk gsrq orZeku esa cSad csfld bafMdsVj ,çksp dk vuqikyu dj jgk gSA rFkkfi ifjpkyukRed tksf[k+e ds fy, iwathçHkkj dh lax.kuk mUur i)fr;ksa dh vksj mUeq[k gksus dh rS;kjh Hkh cSad ds lkFk&lkFk dj jgk gSA

rkfydk Mh-,Q-& 9& cSad dh cfg;ksa esa C;kt nj tksf[k+e¼vkbZ-vkj-vkj-ch-ch-½

xq.kkRed çdVhdj.k

cSad cgh esa C;kt nj tksf[k+e dk çca/ku rFkk ewY; fu/kkZj.k vk; ij tksf[k+e –f"Vdks.k gsrq ijEijkRed varj rFkk vkfFkZd ewY; –f"Vdks.kgsrq la'kksf/kr vof/k varj ds ek/;e ls fd;k x;k gSA cSad cgh esa C;kt nj tksf[k+e ds vUrxZr lHkh vfxze rFkk ifjiDork rd j[ks tkusokys fuos'k 'kkfey gSaA _.k uhfr;k¡ rFkk çfØ;k,a@lajpuk vkSj laxBu/fo"k;&{ks= rFkk tksf[k+e lwpuk&ra= dh ç—fr@uhfr;k¡ vkfn Mh-,Q-&7 ds vUrxZr crk, vuqlkj gh gSaA cSafdax cqd ¼vkbZvkjvkjchch½ esa C;kt nj tksf[k+e ds ekin.Mksa dh dk;Z&i)fr Hkkjrh; fjtoZcSad }kjk funsZf'kr fn'kk&funsZ'kksa ds vuq:i gSA 1-1 Hkkjrh; fjtoZ cSad us ;g fu/kkZfjr fd;k gS fd C;kt nj laonsu'khyrk ¼iquewZY; fu/kkZj.k varj½ fooj.k ftls ekfld varjky ij rS;kjfd;k tkrk gS] ds tfj, C;kt nj tksf[k+e dh fuxjkuh dh tk,A rnuqlkj] vkfLr ns;rk çca/ku lfefr ekfld vk/kkj ij C;kt nj laosnu'khyrk dh leh{kk djrh gSA vkfLr;ksa o ns;rkvksa nksuksa esa C;kt nj esa leku ifjorZu ds dkj.k cSad dh 'kq) C;kt vk; esa gksus okys ifjorZu dk vkdyu djrh gSA

Punjab & Sind Bank

2017-18

••••• Compliance with regulatory requirements

iatkc ,.M fla/ cSad


1-2 Hkkjrh; fjtoZ cSad us vof/k varj fo'ys"k.k ds nkSjku C;kt nj laosnu'khyrk ds ek/;e ls vkfLr;ksa o ns;rkvksa ds vkfFkZd ewY; ijC;kt nj ifjorZu ds çHkko dk vuqeku yxkus dk Hkh fu/kkZj.k fd;k gSA cSad frekgh@ekfld varjky ij Hkkjrh; fjtoZ cSad }kjk ;Fkk fu/kkZfjr vof/k varj fo'ys"k.k Hkh djrk gSA bZfDoVh ds cktkj ewY; ¼,eohbZ½ ij C;kt nj ifjorZu ds çHkkoksa dk vkof/kd varjky foPPys"k.k ds ek/;e ls fujh{k.k fd;k tkrk gSA mijksä dk ç;ksx djrs gq,] çR;sd cdsV gsrq vkfLr;ksa ,oa ns;rkvksa dh ifjofrZr vof/k dh x.kuk dh tkrh gS rFkk mijksä }kjk ns;rkvksa o vkfLr;ksa dh la'kksf/kr vof/k dh lax.kuk çR;sd dky&pØ ij ifjdfyr dh tkrh gS vkSj C;kt nj ds 200 chih,l ds ifjorZu dks tksM+us ds ckn ewY; ij iM+s çHkko dk ifjdyu dj 'kq) fLFkfr çkIr dh tkrh gS rkfd ;g fu/kkZfjr fd;k tk lds fd ewY; esa ldkjkRed o`f) gqbZ gS ;k ughA

1-3 vkfLr;ksa rFkk ns;rkvksa ds foosdiw.kZ mik; gsrq bZ,vkj rFkk 'kq) vkof/kd varj dh lhek dk fu/kkZj.k fd;k tkrk gS rFkk fu;fervarjky ij bldh fuxjkuh dh tkrh gSA

ek=kRed çdVhdj.k

d½ tksf[k+e ij vk; jkf'k& :-@yk[kksa esa

,d o"kZ varjky rd vkSlru 100 vk/kkj vad ifjorZu dk çHkko

[k½ vkfFkZd ewY; gsrq la'kksf/kr vof/k ¼,e-oh-bZ-½& 10-15 çfr'kr

rkfydk Mh-,Q- 10 çfri{kh; _.k tksf[k+e laca/kh vofLFkfr ds fy, lkekU; çdVhdj.k

xq.koÙkk çdVhdj.k

çfri{kh; _.k tksf[k+e ¼lh-lh-vkj½ Hkqxrku ls iwoZ vFkok Hkqxrku dh frfFk dks ysu&nsu ds fuiVku ds le; çfri{k }kjk dh xbZ pwd okyk tksf[k+e gSA çfri{k dh _.k lhek,a ¼varj cSad lhek,a½ ,,y,e uhfr ds varxZr r; dh tkrh gSa vkSj ,,y,e uhfr ds ek/;e ls gh fuxjkuh j[kh tkrh gSA çfri{k ds lkFk fd, x, lHkh O;qRikn ysu-nsu dk ewY;kadu cS ad ds cksMZ }kjk vuqeksfnr O;qRikn uhfr ¼MsfjosfVoikfylh½ ds ek/;e ls fd;k tkrk gSA gkykafd cSad us dksbZ O;qRikn ysu&nsu ugha fd;kA

xyr rjhds ls gq, _.k tksf[ke ds fy, cSad dh dksbZ uhfr ugha gSA

cSad dks vHkh fdlh _.k lgk;d vuqca/k ¼lh-,l-,-½ le>kSrk çfri{kksa ds lkFk djuk gS vkSj bldk çHkko orZeku esa vifjek.; gSA

ek=kRed

cSad f}i{kh; usfVax dks ekU;rk ugha nsrk gSA ¼:i,@&yk[kksa esa½

fooj.k lkadsfrd jkf'k orZeku vofLFkfrfon'kh eqæk lafonk,a

cSad ds ikl dksbZ O;qRikn vofLFkfr ¼,Dlikstj½@ysu &nsu ugha gSA

rkfydk Mh-,Q-11- iwath dh jpuk¼:i,@&yk[kksa esa½

fofu;ked lek;kstuksa ds laØe.k ds 31 ekpZ 2017 lanHkZ la-Ø- la- lkekU; bZfDoVh fV;j 1 iw¡th% fy[kr o vkjf{kr

1 çR;{kr% tkjh lkekU; vgZrk 'ks;j iw¡th ,oa rRlaca/kh vf/k'ks"k LV‚d ¼'ks;j çhfe;e½ 250246-432 çfr/kkfjr miktZu 98698-783 vU; lafpr O;kid vk; ¼,oa vU; vkjf{kr fuf/k;ka½ 222367-584 lhbZVh 1 ls çR;{kr% tkjh iw¡th ¼dsoy xSj&la;qä LV‚d dEifu;ksa 1 ij ykxw½ 1-1-2018 rd

lkoZtfud {ks= dks iSr`d :i ls miyC/k djkbZ xbZ iw¡th 0

5 vuq"kafx;ksa }kjk tkjh o rhljs i{k }kjk j[kh xbZ lkekU; 'ks;j iw¡th ¼lhbZVh 1 lewg gsr Loh—r jkf'k½ 06 fofu;ked lek;kstu ls iwoZ lkekU; bZfDoVh fV;j 1 iw¡th 571312-79

Punjab & Sind Bank

2017-18

is monitored at regular intervals.

At 100 bps change for gaps upto 1 year on average basis

S.No.

12 Retained earnings3

n.a.

n.a.

iatkc ,.M fla/ cSad


lkekU; bZfDoVh fV;j 1 iw¡th% fofu;ked lek;kstu7 foosdlEer ewY;kadu lek;kstu 08 lk[k ¼lacaf/kr dj ns;rk dk 'kq)½ 09 ca/kd lfoaZlx vf/kdkj ds vfrfjä vU; vewrZ ¼lacaf/kr dj ns;rk dk 'kq)½ 835-0010 vkLFkfxr dj vkfLr;ka 011 udn çokg cpko vkjf{kr fuf/k 0-0012 vuqekfur gkfu gsrq fd, x, çko/kkuksa esa deh 0-0013 foØ; ij çfrHkwfrdj.k ykHk 0-0014 mfpr ewY; nsunkfj;ksa ij vius _.k tksf[ke esa ifjorZu ds dkj.k gqvk ykHk ,oa gkfu 0-0015 fu/kkZfjr ykHk is'ku QaM fuoy lEifÙk;ka 0-0016 Lo;a ds 'ks;jksa esa fuos'k ¼;fn iwoZ esa çLrqr fd, x, rqyu&i= esa çnÙk iw¡th esa fu/kkZj.k u fd;k x;k gks½ 0-0017 lkekU; bZfDoVh esa ijLij çfr/kkfjrk 3206-2718 fofu;ked lesdu ds dk;Z{ks= ls ckgj cSafdax] foÙkh; ,oa chek dEifu;‚] tks fofu;ked lesdu esa

lfEefyr ugha dh tk ldrh] ekU; vf/kfoØ; dh fLFkfr ds vuqlkj] tg‚a cSad ds ikl tkjh fd, x, 'ks;j iw¡th dk 10 çfr'kr ls vf/kd 'ks;j /kkfjrk u gks] dh iw¡th esa fuos'k ¼vkjfEHkd 10çfr'kr jkf'k ls vf/kd½]

0-00

19 fofu;ked lesdu ds dk;Z{ks= ls ckgj cSafdax] foÙkh; ,oa chek dEifu;‚a] ds lkekU; 'ks;jksa esa egRoiw.kZfuos'k] ekU; vf/kfoØ; dh fLFkfr ds vuqlkj, ¼vkjfEHkd 10çfr'kr ls vf/kd jkf'k dh lhek½

0-00

20 ca/kd lfoZflax vf/kdkj ¼vkjfEHkd 10çfr'kr jkf'k ls vf/kd½] lacaf/kr ugha 21 vLFkk;h vUrj ds dkj.k mRiUu gqbZ vkLFkfxr dj vkfLr;‚a ¼vkjfEHkd 10çfr'kr jkf'k ls vf/kd] lacaf/

kr dj ns;rk dk fuoy½] 2606-22 ;g

tksf[keHkkfjr

fd;k x;k gSA

22 vkjfEHkd 15çfr'kr ls vf/kd dh jkf'k lacaf/kr ugha23 ftldk% foÙk ds lkekU; LV‚d esa egRoiw.kZ fuos'k lacaf/kr ugha24 ftldk% ca/kd lfoZflax vf/kdkj lacaf/kr ugha25 ftldk% vLFkk;h vUrj ds dkj.k mRiUu gqbZ vkLFkfxr dj vkfLr;‚a 0-0026 fof'k"V jk"Vªh; fofu;ked lek;kstu ¼26,+26ch+26lh½ 0-0026, vlesfdr chek lgkf;dk,a dh bfDoVh iwath esa fuos'k lacaf/kr ugha26ch vlesfdr xSj&foÙkh; lgkf;dk,a dh bfDoVh iwath esa fuos'k lacaf/kr ugha26lh cgqla[;d LokfeRo okyh foÙkh; laLFkkvksa dh bfDoVh iwath esa deh tks cSad ds lkFk lesfdr ugha dh xbZ lacaf/kr ugha26Mh vifj'kksf/kr isa'ku fuf/k O;; lacaf/kr ugha27 vi;kZIr vfrfjä fV;j 1 rFkk fV;j 2 ds dkj.k dVkSrh dh HkjikbZ gsrq fV;j 1 ds lkekU; bZfDoVh

ij ykxw fofu;ked lek;kstu 0-00

28 lkekU; bZfDoVh fV;j 1 ij dqy fofu;ked lek'kks/ku 6647-4929 lkekU; bZfDoVh fV;j 1 iw¡th ¼lhMZVh1½ 564665-30

vfrfjä fV;j 1 iw¡th% fy[kr30 çR;{kr% tkjh ik= vfrfjä fV;j 1 fy[kr ,oa lacaf/kr LV‚d ljIyl ¼31++32½ 0-0031 ftldk% fu/kkZfjr ekud ys[kkadu ds v/khu bZfDoVh ds :i esa ifjHkkf"kr ¼LFkk;h vlap;h vf/kekfur

'ks;j½0-00

32 ftldk% fu/kkZfjr ekud ys[kkadu ds v/khu ns;rkvksa ds :i esa ikfjHkkf"kr ¼LFkk;h _.k fy[kr½ 0-0033 vfrfjä fV;j 1 esa vlfEefyr çR;{kr% tkjh iw¡th fy[kr 0-00

Punjab & Sind Bank

2017-18

08 0

10 0.00

11 0.0012 0.0013 0.00

0.000.000.00

18 0.00

0.00

20 NotRelevant

21 Amount upto

22 n.a.23 n.a.

of which: mortgage servicing rights n.a.0.00n.a.

Investments in the equity capital of unconsolidated insurance subsidiaries8 n.a.n.a.n.a.

n.a.0.00

28

30 0.0031 0.00

32 0.0033 0.00

iatkc ,.M fla/ cSad


34 vfrfjä fV;j 1 fy[kr ¼,oa lhbZVh1 fy[kr] ftls iafä 5 esa 'kkfey ugha fd;k x;k gSA½] tks lgk;d dEifu;ksa }kjk tkjh fd, x, gksa ,oa rhljs i{k }kjk /kkfjr gksa ¼jkf'k lewg ,Vh1 gsrq Loh—r gSA½

0-00

35 ftldk% lgk;d dEifu;ksa }kjk tkjh fy[kr] ftls fudky fn;k x;k gks 0-0036 fofu;ked lek;kstu ls iwoZ vfrfjä fV;j 1 iw¡th 0-00

vfrfjä fV;j 1 iw¡th% fofu;ked lek;kstu 37 Lo;a ds vfrfjä fV;j1 ds fy[kr esa fuos'k 0-0038 vfrfjä fV;j 1 fy[kr esa ijLij çfr/kkfjrk 0-0039 fofu;ked lesdu ds dk;Z{ks= ls ckgj cS afdax] foÙkh; ,oa chek dEifu;‚a] ekU; vf/kfoØ; dh fLFkfr

ds vuqlkj] tg‚a cSad ds ikl tkjh fd, x, lkekU; 'ks;j iw¡th dk 100 ls vf/kd 'ks;j/kkfjrk uk gks, dh iw¡th esa fuos'k ¼vkjfEHkd 10çfr'kr jkf'k ls vf/kd½]

0-00

40 fofu;ked lesdu ds dk;Z{ks= ls ckgj cSafdax] foÙkh; ,oa chek dEifu;‚a] dh iw¡th esa egRoiw.kZ fuos'k] ¼ekU; vf/kfoØ; dh fLFkfr ds vuqlkj 'kq)½

0-00

41 jk"Vªh; fof'k"V fofu;ked lek;kstu 0-0041, ftlesa ls% vlesfdr chek lgkf;dk,a dk vfrfjä fV;j I iwath esa fuos'kA 0-0041ch ftlesa ls% lokZf/kd LokfeRo okyh foÙkh; laLFkk,a tks cSad ds lkFk lesfdr ugha dh xbZ] ds vfrfjä

fV;j 1 iwath esa deh0-00

42 vi;kZIr fV;j 2 ds dkj.k dVkSrh dh HkjikbZ gsrq vfrfjä fV;j&1 ij ykxw fofu;ked lek;kstu 0-0043 vfrjfä fV;j&1 iw¡th ij ykxw dqy fofu;ked lek;kstu 0-0044 vfrfjä fV;j&1 iw¡th ¼,Vh1½ 100000-0045 ¼fV;j&1 iw¡th ¼Vh1 +lhbZVh1+ ,Vh1½ ¼iafä 29++ iafä 44,½ 664665-30

fV;j&2 iw¡th% fy[kr ,oa çko/kku 46 çR;{kr% tkjh ik= fV;j 2 fy[kr ,oa lacaf/kr LV‚d ljIyl 0-0047 fV;j&2 esa ls çR;{kr% tkjh iw¡th fy[kr 65000-00 lckMhZusV

_.k48 fV;j&2 fy[kr ¼,oa iafä 5 vFkok 34 esa lfEefyr ugha fd, x, lhbZVh1 vkSj ,Vh1 fy[kr½ tks

lgk;d dEifu;ksa }kjk tkjh fd, x, gksa ,oa rhljs i{k }kjk /kkfjr gksa ¼jkf'k lewg fV;j&2 gsrq Loh—r dh x;h gksA½

0-00

49 ftldk% fudkys x, fy[kr tks lgk;d dEifu;ksa }kjk tkjh fd, x, gksa 0-0050 çko/kku 29120-3251 fofu;ked lek;kstu ls iwoZ fV;j&2 iw¡th 94120-32

fV;j&2 iw¡th% fofu;ked lek;kstu 52 Lo;a ds fV;j&2 fy[kr esa fuos'k 0-0053 fV;j&2 fy[kr esa ijLij çfr/kkfjrk 0-0054 fofu;ked lesdu ds dk;Z{ks= ls ckgj cS afdax] foÙkh; ,oa chek dEifu;‚a] ekU; vf/kfoØ; dh fLFkfr

ds vuqlkj] tg‚a cSad ds ikl tkjh fd, x, lkekU; 'ks;j iw¡th dk 10çfr'kr ls vf/kd 'ks;j/kkfjrk u gks] dh iw¡th esa fuos'k ¼vkjfEHkd 10çfr'kr jkf'k ls vf/kd½]

0-00

55 fofu;ked lesdu ds dk;Z{ks= ls ckgj cSafdax] foÙkh; ,oa chek dEifu;‚a] dh iw¡th esa egRoiw.kZ fuos'k ¼ekU; vf/kfoØ; dh fLFkfr ds vuqlkj 'kq)½

0-00

56 fof'k"V jk"Vªh; fofu;ked lek;kstu ¼56 , + 56 ch½ 0-0056 , ftlesa ls % vlesfdr chek lgkf;dkvksa dh fV;j II iwath esa fuos'kA56ch lokZf/kd LokfeRo okyh foÙkh; daifu;k¡] tks cSad ds lkFk lesfdr ugha dh xbZ] ds fV;j&2 iwath esa deh 0-0057 fV;j&2 iw¡th esa dqy fofu;ked lek;kstu 0-0058 fV;j&2 iw¡th ¼Vh2½ 94120-3259 dqy iw¡th ¼Vhlh ¾Vh1+Vh2½ ¼iafä 45+iafä 58½ 758785-6260 dqy tksf[k+e Hkkfjr vkfLr;ka ¼iafä 60,+iafä 60ch+iafä 60lh½ 6743481-56

Punjab & Sind Bank

2017-18

0.00

0.000.00

0.0038 0.00

0.00

0.00

0.000.00

0.000.00

100000.00

0.00Subordinate

Debt

n.a.

n.a.Provisions

0.000.000.00

0.00

0.00

0.00

0.00

iatkc ,.M fla/ cSad


60a, ftldk% dqy _.k tksf[k+e Hkkfjr vkfLr;ka 5477178-3660ch ftldk% dqy cktkj tksf[k+e Hkkfjr vkfLr;ka 780483-6460lh ftldk% dqy ifjpkfyr tksf[k+e Hkkfjr vkfLr;ka 485819-56

iw¡th vuqikr61 lkekU; bZfDoVh fV;j&1 ¼tksf[ke Hkkfjr vkfLr;ksa ds çfr'kr ds :i esa½ 8-3762 fV;j&1 ¼tksf[k+e Hkkfjr vkfLr;ksa ds çfr'kr ds :i esa½ 9-8563 dqy iw¡th ¼tksf[k+e Hkkfjr vkfLr;ksa ds çfr"kr ds :i esa½ 11-2564 laLFkk fo"k;d cQj vko';Zdrk ¼U;wure lhbZVh1 vko';Zdrk lg iw¡th vfHk:irk ,oa çfrpØh; cQj

vko';drk,a tksf[k+e Hkkfjr vkfLr;ksa ds çfr'kr ds :i esa½7-375

65 ftldk% iw¡th vfHk:irk cQj vko';drk 1-87566 ftldk% cSad fo"k;d çfrpØh; cQj vko';drk &67 ftldk% th-,lvkbZch cQj vko';drk &68 cQj dh iwZfr gsrq miyC/k lkekU; bZfDoVh fV;j&1 ¼tksf[k+e Hkkfjr vkfLr;ksa ds çfr'kr ds :i esa½ 2-87

jk"Vªh; fefuek ¼;fn ckly III ls fHkUu gS½69 jk"Vªh; lkekU; bZfDoVh fV;j&1 U;wure vuqikr ¼;fn U;wure ckly III ls fHkUu gks½ 5-5070 jk"Vªh; fV;j&1 U;wure vuqikr ¼;fn U;wure ckly III ls fHkUu gks½ 7-0071 jk"Vªh; ldy iw¡th U;wure vuqikr ¼;fn U;wure ckly III ls fHkUu gks½ 9-00

dVkSrh gsrq fu/kkZfjr lhek ls de jkf'k ¼tksf[ke Hkkfjr ls iwoZ½72 vU; foÙkh; dEifu;ksa dh iw¡th esa xSj egRoiw.kZ fuos'k 29250-6473 foÙkh; dEifu;ksa dh lkekU; iw¡th esa egRoiw.kZ fuos'k 65-3774 ca/kd lZfofalx vf/kdkj ¼vU; foÙkh; dEifu;ksa dh iw¡th esa xSj egRoiw.kZ fuos'k½ 0-0075 vLFkk;h fHkUurk ds dkj.k mRiUu gqbZ dj vkfLr;ka ¼lacaf/kr dj ns;rk dk fuoy½ 56727-15

fV;j&2 esa çko/kkuksa ds lesdu ij ykxw mPpre lhek 76 ekudh—r –f"Vdks.k ls ,Dlikstj ds lanHkZ esa fV;j&2 esa lesdu gsrq çk= çko/kku ¼mPpre lhek

ykxw gksus ls iwoZ½29120-32

77 ekudh—r –f"Vdks.k ds v/khu fV;j&2 esa çko/kkuksa ds lesdu dh mPpre lhek 68464-7378 vkarfjd jsafVax –f"Vdks.k vk/kkj ij ,Dlikstj ds lanHkZ esa fV;j 2 esa lesdu gsrq çk= çko/kku ¼mPpre

lhek ykxw gksus ls iwoZ½ykxw ugha

79 vkarfjd jsfVax –f"Vdks.k ls fV;j 2 esa çko/kkuksa ds lesdu gsrq mPpre lhek ykxw ughaQst vkmV dh O;oLFkk ij iw¡th fy[kr ¼dsoy 1 vçsy] 2018 ls 31 ekpZ 2022 ds chp ykxw½

80 Qst vkmV dh O;oLFkk ij lhbZVh1 fy[kr ij djsaV mPpre lhek Hkkjr esa ykxw ugha

81 mPpre lhek ds dkj.k lhbZVh 1 esa 'kkfey u dh x;h jkf'k ¼iqu% çkfIr ,oa ifjiDork ds ckn mPpre lhek ls vfrfjä½

82 Qst vkmV dh O;oLFkk ij ,Vh1 fy[kr ij djsaV mPpre lhek 83 mPpre lhek ds dkj.k ,Vh 1 esa 'kkfey u dh x;h jkf'k ¼iqu% çkfIr ,oa ifjiDork ds ckn mPpre

lhek ls vfrfjä½84 Qst vkmV dh O;oLFkk ij Vh 2 fy[kr ij djsaV mPpre lhek 85 mPpre lhek ds dkj.k Vh 2 esa 'kkfey u dh x;h jkf'k ¼iqu% çkfIr ,oa ifjiDork ds ckn mPpre

lhek ls vfrfjä½

rkfydk Mh-,Q-&12 & iw¡th dk la;kstu & lek/kku vis{kk,a

ykxw ugha gS D;ksafd forh; fooj.k esa fn;k x;k cSad dk rqyu i= vkSj fofu;ked nk;js ds varxZr vkus okyk rqyui= ,d ls gSaA

Punjab & Sind Bank

2017-18

0.00

n.a.

n.a.

80 Notapplicable in

India818283

iatkc ,.M fla/ cSad


Mh&,

Q&1

3&fo

fu;ke

d i

wath fy

[kr

ksa eq[; fo'k

s"krk,

a

fV;j&

2 ck.M

l ¼lckMhZusV

_.k fy[kr½

Øe

lafofu;ked

iwath çys[kksa

dh eq[

; fo'ks"krkvksa ds

fy,

çdVhdj.k VsE

iysV

¼fMlDykstj VsE

iysV½

lhjht

&¾

400djksM+

lhjht

&¾

175djksM+

lhjht

&¾

200djksM+

lhjht

&¾

300djksM+

lhjht

&¾5

00djksM+

,sVh 1

c‚UMksa %& Ja[kyk 1

¾100

0 djksM+

1-tkjhd

rkZ

iatkc ,

.M fla/k

cSadiatkc ,

.M fla/k

cSadiatkc ,

.M fla/k

cSadiatkc ,

-M fla/k

cSadiatkc ,

-M fla/k

cSadiatkc ,

.M fla/k

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Punjab & Sind Bank

2017-18

S. 1Is

suer

2 3in

stru

men

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22&09

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Punjab & Sind Bank

2017-18

12Pe

rpet

ual o

r da

ted

Dat

edD

ated

Dat

edD

ated

Dat

edPe

rpet

ual

13O

rigi

nal m

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ity d

ate

NA

supe

rvis

ory

appr

oval

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No

No

No

amou

nt

NA

NA

NA

par

NA

Subs

eque

nt c

all d

ates

, if

appl

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AN

AN

AN

AN

A

coup

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xed

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xed

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dFi

xed

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d

18Co

upon

rate

and

any

rela

ted

inde

x

No

No

No

No

No

20 21N

oN

oN

oN

oN

oN

o

22 23

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

28

into

NA

NA

NA

NA

NA

NA

inst

rum

ent i

t con

vert

s in

toN

AN

AN

AN

AN

AN

A

30N

ON

ON

ON

Oap

plic

able

31N

AN

AN

AN

AG

uide

lines

Gud

ielin

es.

32N

AN

AN

AN

A

33te

mpo

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NA

NA

NA

NA

Perm

anen

t

iatkc ,.M fla/ cSad


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S rks

fdl fy[kr esa

ifjo

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gS

mldk çdkj

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ykxw ugha

ykxw ugha

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ykxw ugha

ykxw ugha

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¼x½ cSd

ds fV;j I iwath ds rkSj ij vgrkZ çkIr xkS.k

_.kksa ds vfrfjä xkS.k _

.k ¼tSlk fd

c‚l

y III

ds

fn'kk&funsZ'kksa esa

ifjHkkf"k r

gS½;

¼?k½ cSad

}kjk tkjh

rFkk

Hkfo"; esa

tkjh fd,

tkus okyh fV;j

2 i

wath

esa lfEefy

r gksus gsr

q ik= _

.k i

wath fyf[kr;

¼³½

csfe;knh lap;h vf/keku

'ks;j

; ¼p

½ çfrns; xSj&

lap;h

vf/keku

'ks;j

; ¼N

½ fV; j

2 i

wath esa

lfEefy

r djus gsrq

ik= c

Sad }kjk tkjh vkSj Hkfo

"; esa tkjh fd,

tkus okys

çfrns;

lap;h vf/keku

'ks;j

A

36-laØe.kdkyhu vuu

qikyu

Lo:i

th gk¡

th gk¡

th gk¡

th gk¡

ykxw ugha

ugha

37-;fn gk¡ rks vuu

qikyu

dk

Lo:i fofgr

djsaA

vO;ogk;Zrk dh

lhek

vO;ogk;Zrk dh

lhek rFkk

mä

mfYyf[kr ck.M

dh ifji

Dork 1

0 o"kksaZ

ls de

vO;ogk;Zrk dh

lhek

vO;ogk;Zrk dh

lhek

ykxw ugha

ykxw ugha

Punjab & Sind Bank

2017-18

mec

hani

sm

NA

NA

NA

NA

NA

conv

ersi

on a

nd a

per

man

ent w

rite

dow

n i.e

.the

Gen

eral

ly, t

he p

ar v

alue

of t

he in

stru

men

t is

conf

orm

ity w

ith th

e pr

ovis

ions

of t

he R

BI B

asel

III

depe

nd o

n th

e pr

ecis

e fe

atur

es o

f the

Bon

ds a

nd

imm

edia

tely

sen

ior

to

clai

ms

of a

ll de

posi

tors

an

d ge

nera

l cre

dito

rs o

f ge

nera

l cre

dito

rs

feat

ures

NA

NO

feat

ures

viab

ility

.vi

abili

ty a

nd

mat

urity

of

the

abov

e

bond

is le

ss

than

10

year

s.

viab

ility

.vi

abili

ty.

NA

NA

iatkc ,.M fla/ cSad


rkfydk Mh-,Q-14 & fofu;ked iwath fy[kr ds iw.kZ fu;e ,oa 'krsaZ

1- ck.M fuxZeu & 400 djksM+ :i,

laf{kIr 'krZ rkfydkbdrkZ iatkc ,.M fla/k cSad b';wZ dk vkdkj :i, 400 djksM+fy[kr opu i= ¼ck.Ml½ ds :i esa vlqjf{kr vifjorZ~ruh; çfrns; lcksZfMusVsM fV;j&II ck.M~ ¼lhjht ½tkjh djuk@Ø;&foØ; MhesV Q‚eZ esaØsfMV jsfVax vkbZlhvkj, }kjk ^^vkbZlhvkj, ,, @ fLFkj^^ vkSj ds;j }kjk ^^ds;j ,, @ fLFkj^^çfrHkwfr vlqjf{krvafdr ewY; 1000000@& çfr ck.MfuxZe ewY; leewY; ij ¼vFkkZRk 1000000@& çfr ck.M½çfrns;rk ewY; leewY; ij ¼vFkkZRk 1000000@& çfr ck.M½U;wure vkosnu 1 ck.M vkSj mlds ckn 1 ck.M ds xq.kdksa esavof/k 127 eghus ¼10 o"kZ rFkk 7 ekg½iqV ,o dky fodYi dksbZ ugha çfrns;rk@ifjiDDork le ewY; ij & vkoaVu dh ekuh xbZ frfFk ls 127 eghuksa ¼10 o"kZ rFkk 7 ekg½ dh lekfIr ij ¼Hkkjrh;

fjtoZ cSad dh iwoZ Loh—fr ds lkFk½çfrns;rk frfFk 15 vçSy] 2019 dwiu nj* 11-05 okf"kZdC;kt Hkqxrku okf"kZdC;kt Hkqxrku frfFk;ka çR;sd o"kZ esa 15 ebZfyafLVax çLrkfor & us'kuy LVkd ,Dlpsat fyfeVsM ¼,u&,l&bZ½ ds Fkksd _.k cktkj [kaM ¼MCy;w&Mh&,e&½ U;klh cSad dh vksj ls vkb.Mh-ch-vkbZ- VªLVf'ki lZfolst fyfeVsM dks ck.M ds /kkjd¼dksa½ dh vksj ls dk;Z djus

ds fy, crkSj U;klh fu;qä fd;k x;kA fu{ksikxkj us'kuy LD;wfjVh fMiksft+Vjh fy& rFkk lsUVªy fMiksftVjh lZfolst ¼bafM;k½ fyfeVsMiath;d fyad buVkbe bafM;k çkbosV fyfeVsMvkosnu jkf'k ij C;kt* dwiu nj ij ¼vFkkZRk 11-05 okf"kZd nj ls½ & pkSd@fMekaM Mªk¶V@vkj&Vh&th&,l& dh olwyh gksus

dh frfFk ls vkcaVu dh ekuh xbZ frfFk ds ,d fnu iwoZ rdAfuiVku C;kt ds Hkqxrku rFkk ewy /ku dh vnk;xh pkSd¼dksa½@C;kt@çfrns; okjaV¼l½@fMekaM Mªk¶V@

vkj&Vh&th&,l& ç.kkyh ds ek/;e ls vfHknku dh fof/k Þdsoy ,dkmaV isbZß js[kkafdr pkSd¼dksa½@fMekaM Mªk¶V¼Vksa½ }kjk tks fd iatkc ,.M fla/k cSad ds i{k esa vkgrZ

gksa vkSj çdVhdj.k çi= esa mfYyf[kr ukfer dsUæksa ij leewY; ij ns; gksa ;k fQj jkf'k dks vkj-Vh-th-,l- ra= ds ek/;e ls iatkc ,.M fla/k cSad vkj-Vh-th-,l- [kkrk esa eqacbZ ds fy, IFSC dwV la[;k ^^PSIB 0000385ß ij rFkk fnYyh ds fy, IFSC dwV la[;k ßPSIB 0000001ß ij bysDVª‚fuDl vUrj.k }kjk Hkstk tk ldrk gSA

b';wZ ds [kqyus dh frfFk^ 10&09&2008b';wZ ds can gksus dh frfFk^ 12&09&2008is&bu MsVl^ 10&09&2008 ls 12&09&2008vkcaVu dh ekuh xbZ frfFk^ 15&09&2008

*L=ksr ij ykxw dj dVkSrh ds v/khu A*cSad ds ikl b';wZ esa la'kks/ku ¼iwoZ fu;kstu@LFkxu½ djus] [kksyus@can djus@Hkqxrku frfFk laca/kh viuk ,dy ,oa lEiw.kZ vf/kdkjlqjf{kr gS ftlesa cSad fcuk dksbZ dkj.k crk, vFkok iwoZ uksfVl ds ifjorZu dj ldrk gSA ,sls ekeyksa esa] cSad }kjk fuos'kdksa dks la'kksf/krle; lkj.kh ls voxr djok;k tk,xkA cSad ds ikl fcuk fdlh uksfVl ds vkcaVu ds fy, ekuh tkus okyh ,d ls T;knk frfFk ¼;ks½fu/kkZfjr djus dk Hkh ,dy ,oa lEiw.kZ vf/kdkj lqjf{kr gSA

Punjab & Sind Bank

2017-18

1.

Issuer

Instrument

Security Unsecured

Issue Price

None

Coupon Rate * Interest Payment AnnualInterest Payment Date

DepositoryRegistrars

to one day prior to the Deemed Date of Allotment

Punjab & Sind Bank Account Payee Only

Punjab &

Issue Opens on ^ September 10, 2008Issue Closes on ^ September 12, 2008

September 10, 2008 to September 12, 2008Deemed Date of Allotment ^

iatkc ,.M fla/ cSad


2& ck.M fuxZeu& 175 djksM+ :i,

laf{kIr 'krZ rkfydkb';wZdrkZ iatkc ,.M fla/k cSad b';wZ dk vkdkj :i, 175 djksM+b';wZ dk mís';Z cSad ds nh?kZdkyhu lalk/kuksa dks c<+kus rFkk iwath i;kZIrrk dks etcwr cukus ds fy, fV;j&II iwath dks c<+kukAfy[kr opu i= ¼ck.Ml½ ds :i esa vlqjf{kr çfrns; vifjorZ~ruh; lcksZfMusVsM fV;j&II ck.M~l ¼ljht ½fy[kr dh ç—fr ;g ck.M iw.kZ pqdrk] vlqjf{kr] vU; ysunkjksa ds nkoksa ds v/khuLFk] çfrca/kd [kaM ls eqä rFkk /kkjd dh

igy vFkok Hkk-fj-cSa-dh lgefr ds fcuk çfrns; ugha gksxkAtkjh djuk@Ø;&foØ; MhesV Q‚eZ esaØsfMV jsfVax vkbZlhvkj, }kjk ^^vkbZlhvkj, ,, @ fLFkj^^ vkSj ds;j }kjk ^^ds;j ,, @ fLFkj^^çfrHkwfr vlqjf{krvafdr ewY; 1000000@& çfr ck.MfuxZe ewY; le ewY; ij ¼vFkkZRk 1000000@& çfr ck.M½ifjiDork ewY; le ewY; ij ¼vFkkZRk 1000000@& çfr ck.M½U;wure vkosnu 1 ck.M vkSj mlds ckn 1 ck.M ds xq.kdksa esavof/k 118 eghus ¼9 o"kZ rFkk 10 ekg½iqV ,o dky fodYi dksbZ ughaçfrns;rk@ifjiDDork le ewY; ij & vkoaVu dh ekuh xbZ frfFk ls 9 okZ rFkk 10 ekg ¼118 eghuksa½ds var esa ¼Hkkjrh; fjtoZ cSad

dh iwoZ Loh—fr ds lkFk½çfrns;rk frfFk 26 vçSy] 2019 dwiu nj* 8&70 okf"kZd nj lsC;kt Hkqxrku okf"kZdC;kt Hkqxrku frfFk;ka çR;sd o"kZ esa 15 ebZ rFkk vafre ifjiDork ij fyfLVax çLrkfor& us'kuy LVkd ,Dlpsat fyfeVsM ¼,u-,l-bZ-½ds Fkksd _.k cktkj [kaM ¼MCy;w&Mh&,e&½U;klh vkbZ&Mh&ch&vkbZ& VªLVf"ki lZfolst fyfeVsMfu{ksikxkj us'kuy LD;wfjVh fMiksfLVjh fy& rFkk lsUVªy fMiksfLVjh lZfolt ¼bafM;k½ fyfeVsMiath;d fyad buVkbe bafM;k çkbosV fyfeVsMvkosnu jkf'k ij C;kt* dwiu nj ij ¼vFkkZRk 8-70 okZf"kd nj ls½ & pkSd@fMekaM Mªk¶V@vkj&Vh&th&,l& dh olwyh gksus dh

frfFk ls vkcaVu dh ekuh xbZ frfFk ds ,d fnu iwoZ rdAfuiVku C;kt ds Hkqxrku rFkk ewy /ku dh vnk;xh pkSd¼dksa½@C;kt@çfrns; okjaV¼vks½@fMekaM Mªk¶V@

vkj&Vh&th&,l&@bZ&lh&,l&ç.kkyh ds ek/;e ls ØsfMV dh tk,xhAvfHknku dh fof/k Þdsoy ,dkmaV isbZß js[kkafdr pkSd¼dksa½@fMekaM Mªk¶V¼Vksa½ }kjk tks fd iatkc ,.M fla/k cSad ds i{k esa vkgrZ

gksa vkSj çdVhdj.k çi= esa mfYyf[kr ukfer dsUæksa ij leewY; ij ns; gksa ;k fQj jkf'k dks vkj-Vh-th-,l ra= ds ek/;e ls iatkc ,.M fla/k cSad vkj-Vh-th-,l- [kkrk esa eqacbZ ds fy, IFSC dwV la[;k ßPSIB 0000385ß ij rFkk fnYyh ds fy, IFSC dwV la[;k ßPSIB 0000001ß ij bysDVª‚fuDl vUrj.k }kjk Hkstk tk ldrk gSA

b';wZ ds [kqyus dh frfFk^ 15&06&2009b';wZ ds can gksus dh frfFk^ 19&06&2009is&bu MsVl^ 15&06&2009 ls 19&06&2009vkcaVu dh ekuh xbZ frfFk^ 26&06&2009

*L=ksr ij ykxw dj dVkSrh ds v/khuA^cSad ds ikl b';wZ esa la'kks/ku ¼iwoZ fu;kstu/LFkxu½ djus] [kksyus/can djus/Hkqxrku frfFk laca/kh viuk ,dy ,oa lEiw.kZ vf/kdkj lqjf{krgS ftlesa cSad fcuk dksbZ dkj.k crk, vFkok iwoZ uksfVl ds ifjorZu dj ldrk gSA ,sls ekeyksa esa] cSad }kjk fuos'kdksa dks la'kksf/kr le; lkj.kh ls voxr djok;k tk,xkA cSad ds ikl fcuk fdlh uksfVl ds vkcaVu ds fy, ekuh tkus okyh ,d ls T;knk frfFk ¼;ks½ fu/kkZfjr djus dk Hkh ,dy ,oa lEiw.kZ vf/kdkj lqjf{kr gS A

Punjab & Sind Bank

2017-18

2.

Issuer

Instrument

Nature of Instrument

Security Unsecured

Issue Price

None

Coupon Rate *Interest Payment AnnualInterest Payment Date


up to but excluding the Deemed Date of Allotment


Punjab &

Issue Opens on Îssue Closes on ^

Deemed Date of Allotment ^

iatkc ,.M fla/ cSad


3&ck.M fuxZeu& & 200 djksM+ :i,

laf{kIr 'krZ rkfydkb';wZdrkZ iatkc ,.M fla/k cSad b';wZ dk vkdkj :i, 200 djksM+b';wZ dk mís';Z cSad ds nh?kZdkyhu lalk/kuksa dks c<+kus rFkk iwath i;kZIrrk dks etcwr cukus ds fy, fV;j&II iwath dks c<+kukAfy[kr opu i= ¼ck.Ml½ ds :i esa vlqjf{kr çfrns; vifjorZ~ruh; lcksZfMusVsM&fV;j&II ck.M ¼ljht ½fy[kr dh ç—fr ;g ck.M iw.kZ pqdrk] vlqjf{kr] vU; ysunkjksa ds nkoksa ds v/khuLFk] çfrca/kd [kaM ls eqä rFkk /kkjd dh

igy vFkok Hkk&fj&cSa&dh lgefr ds fcuk çfrns; ugha gksxkAtkjh djuk@Ø;&foØ; MhesV Q‚eZ esaØsfMV jsfVax vkbZlhvkj, }kjk ^^vkbZlhvkj, ,, @ fLFkj^^ vkSj fØfly }kjk ^^fØfly ,, @ fLFkj^^çfrHkwfr vlqjf{krvafdr ewY; 1000000/& çfr ck.MfuxZe ewY; le ewY; ij ¼vFkkZRk 1000000@& çfr ck.M½çfrns; ewY; le ewY; ij ¼vFkkZRk 1000000@& çfr ck.M½U;wure vkosnu 1 ck.M vkSj mlds ckn 1 ck.M ds xq.kdksa esavof/k 123 eghus¼10 o"kZ 3 eghus½iqV fodYi dksbZ ughaçfrns;rk@ifjiDork vkoaVu dh ekuh xbZ frfFk ls 10 o"kZ 3 eghusa¼123 eghus½ ds var esa le ewY; ij ¼Hkkjrh; fjtoZ cSad dh

iwoZ Loh—fr ds lkFk½ifjiDork frfFk 15-04-2020 ¼Hkkjrh; fjtoZ cSad dh iwoZ Loh—fr ds lkFk½dwiu nj* 8-70 okZf"kd nj lsC;kt Hkqxrku okf"kZdC;kt Hkqxrku frfFk;ka çR;sd o"kZ esa 15 ebZ rFkk vafre ifjiDork ijfyafLVax çLrkfor& us'kuy LVkd ,Dlpsat fyfeVsM¼,u&,l&bZ½ds Fkksd _.k cktkj [kaM¼MCy;w&Mh&,e&½U;klh vkbZ-Mh-ch-vkbZ- VªLVf'ki lfoZlst fyfeVsMfu{ksikxkj us'kuy LD;wfjVh fMiksfLVjh fy& rFkk lsUVªy fMiksfLVjh lfoZlst ¼bafM;k½ fyfeVsMiath;d fyad buVkbe bafM;k çkbosV fyfeVsMvkosnu jkf'k ij C;kt* dwiu nj ij ¼vFkkZRk 8-70 lfoZlst nj ls½ & pkSd@fMekaM Mªk¶V@vkj&Vh&th&,l& dh olwyh gksus dh

frfFk ls vkcaVu dh ekuh xbZ frfFk ds ,d fnu iwoZ rdAfuiVku C;kt ds Hkqxrku rFkk ewy /ku dh vnk;xh pkSd¼dksa½@C;kt@çfrns; okjaV¼l½@fMekaM Mªk¶V@

vkj&Vh&th&,l& ç.kkyh@bZ-lh-,l- ç.kkyh ds ek/;e lsAvfHknku dh fof/k Þdsoy ,dkmaV isbZß js[kkafdr pkSd¼dksa½@fMekaM Mªk¶V¼Vksa½ }kjk tks fd iatkc ,.M fla/k cSad ds i{k esa vkgrZ

gksa vkSj çdVhdj.k çi= esa mfYyf[kr ukfer dsUæksa ij leewY; ij ns; gksa ;k fQj jkf'k dks vkj-Vh-th-,l- ra= ds ek/;e ls iatkc ,.M fla/k cSad vkj-Vh-th-,l- [kkrk esa eqacbZ ds fy, IFSC dwV la[;k ßPSIB 0000385ß ij rFkk fnYyh ds fy, IFSC dwV la[;k ßPSIB 0000001ß ij bysDVª‚fuDl vUrj.k }kjk Hkstk tk ldrk gSA

b';wZ ds [kqyus dh frfFk^ 06-01-2010b';wZ ds can gksus dh frfFk^ 13-01-2010is&bu MsVl^ 06-01-2010 ls 13-01-2010vkcaVu dh ekuh xbZ frfFk^ 15-01-2010

*L=ksr ij ykxw dj dVkSrh ds v/khuA^cSad ds ikl b';wZ esa la'kks/ku ¼iwoZ fu;kstu@LFkxu½ djus] [kksyus@can djus@Hkqxrku frfFk laca/kh viuk ,dy ,oa lEiw.kZ vf/kdkj lqjf{krgS ftlesa cSad fcuk dksbZ dkj.k vFkok iwoZ uksfVl ds ifjorZu dj ldrk gSA ,sls ekeyksa esa] cSad }kjk fuos'kdksa dks la'kksf/kr le; lkj.khls voxr djok;k tk,xkA cSad ds ikl fcuk fdlh uksfVl ds vkcaVu ds fy, ekuh tkus okyh ,d ls T;knk frfFk;k¡ fu/kkZfjr djus dk Hkh ,dy ,oa lEiw.kZ vf/kdkj lqjf{kr gS A

Punjab & Sind Bank

2017-18

3.

IssuerRs. 200 crores

Instrument


Security Unsecured

Issue Price

None





Punjab &

Issue Opens on Îssue Closes on ^


iatkc ,.M fla/ cSad


4&ck.M fuxZeu& 300 djksM+ :i,

laf{kIr 'krZ rkfydk

b';wdrkZ iatkc ,.M fla/k cSad b';wZ dk vkdkj :i, 300 djksM+b';wZ dk mís';Z cSad ds nh?kZdkyhu lalk/kuksa dks c<+kus rFkk iwath i;kZIrrk dks etcwr cukus ds fy, fV;j&II iwath dks c<+kukA fy[kr opu i= ¼ck.M½ ds :i esa vlqjf{kr çfrns; vifjorZ~ruh; lcksZfMusVsM&fV;j&II ck.M ¼ljht ½fy[kr dh ç—fr ;g ck.M iw.kZ pqdrk] vlqjf{kr] vU; ysunkjksa ds nkoksa ds v/khuLFk] çfrca/kd [kaM ls eqä rFkk /kkjd dh

igy vFkok Hkk-fj-cSa- dh lgefr ds fcuk çfrns; ugha gksxkA tkjh djuk@Ø;&foØ; MhesV Q‚eZ esaØsfMV jsfVax vkbZlhvkj, }kjk ^^,, @ fLFkj^^ vkSj ds;j }kjk ^^ds;j ,, @ fLFkj^^çfrHkwfr vlqjf{krvafdr ewY; 1000000@& çfr ck.MfuxZe ewY; le ewY; ij ¼vFkkZRk 1000000@& çfr ck.M½çfrns; ewY; le ewY; ij ¼vFkkZRk 1000000@& çfr ck.M½U;wure vkosnu 1 ck.M vkSj mlds ckn 1 ck.M ds xq.kdksa esadk;Zdky 124 eghusiqV fodYi dksbZ ughadky fodYi NVs o"kZ ds var esa ¼Hkk-fj-cSa- dh Loh—fr ds vk/kkj ij½çfrns;rk/ ifjiDDork frfFk ls 124 eghuksa ds var esa le ewY; ij ¼Hkkjrh; fjtoZ cSad dh iwoZ Loh—fr ds lkFk½çfrns;rk frfFk 24&10&2021 ¼Hkkjrh; fjtoZ cSad dh iwoZ Loh—fr ds lkFk½dwiu nj* 9&73 okf"kZd nj lsC;kt Hkqxrku okZf"kdC;kt Hkqxrku frfFk;ka çR;sd o"kZ esa 15 ebZ rFkk vafre ifjiDork ijfyfLVax çLrkfor&us'kuy LVkd ,Dlpsat fyfeVsM ¼,u&,l&bZ½ds Fkksd _.k cktkj [kaM ¼MCy;w&Mh&,e&½U;klh vkbZ-Mh-ch-vkbZ- VªLVf"ki lfoZlst fyfeVsMfu{ksikxkj us'kuy LD;wfjVh fMiksfLVjh fy& rFkk lsUVªy fMiksfLVjh lZfolt ¼bafM;k½ fyfeVsMiath;d fyad buVkbe bafM;k çkbosV fyfeVsMvkosnu jkf'k ij C;kt* dwiu nj ij & vkcaVu dh ekuh xbZ frfFk dks NksM+dj pkSd¼dksa½fMekaM Mªk¶V¼Vksa½@vkj&Vh&th&,l& dh

olwyh gksus dh frfFk ls ¼vFkkZRk 9&73 okf"kZd nj ls½fuiVku C;kt ds Hkqxrku rFkk ewy /ku dh vnk;xh pkSd¼dksa½@C;kt@çfrns; okjaV¼l½@fMekaM Mªk¶V@

vkj&Vh&th&,l& ç-kkyh@bZ&lh&,l& ç.kkyh ds ek/;e lsAva"knku dk ek/;e vkj-Vh-th-,l-ra= ds ek/;e ls jkf'k dks bySDVªkfuDl varj.k ds rjhds ls Þiatkc ,.M fla/k cSad

vkj&Vh&th&,l& [kkrkß esa fnYyh ds fy, IFSC dwV la[;k ßPSIB 0000001ß esa fd;k tk ldrk gSAb';wZ ds [kqyus dh frfFk^ 20-06-2011b';wZ ds can gksus dh frfFk^ 24-06-2011is&bu MsVl^ 20-06-2011 ls 24-06-2011vkcaVu dh ekuh xbZ frfFk^ 24-06-2011

*L=ksr ij ykxw dj dVkSrh ds v/khuA^cSad ds ikl b';wZ esa la'kks/ku ¼iwoZ fu;kstu@LFkxu½ djus] [kksyus@can djus@Hkqxrku frfFk laca/kh viuk ,dy ,oa lEi.kZ vf/kdkj lqjf{kr gS ftlesa cSad fcuk dksbZ dkj.k crk, vFkok iwoZ uksfVl ds ifjorZu dj ldrk gSfdlh uksfVl ds vkcaVu ds fy, ekuh tkus okyh,d ls T;knk frfFk¼;ks½ fu/kkZfjr djus dk Hkh ,dy ,oa lEi.kZ vf/kdkj lqjf{kr gS A

Punjab & Sind Bank

2017-18 181

IssuerRs. 300 crore

Instrument


Security Unsecured

Issue Price

Noneth

th




“Punjab & IFSC Code: for New Delhi

Issue Opens on ^ 20th

Issue Closes on ^ th

20th th


th

iatkc ,.M fla/ cSad


5&ck.M fuxZeu& 500 djksM+ :i,

laf{kIr 'krZ rkfydk

b';wdrkZ iatkc ,.M fla/k cSad b';wZ dk vkdkj :i, 500 djksM+b';wZ dk mís';Z csly III ds vuqlkj viuh iwath i;kZIrrk dks etcwr cukus ds fy,] Hkfo";y dh çxfr rFkk nh?kkZof/k lzksrksa

dks c<+kus ds fy, cSad }kjk viuh lexz iw¡th dks c<+k;k tkukAfy[kr lwphc)] jsVsM] vlqjf{kr] çfrns;] xSj&ifjorZuh; iw.kZr% pqdrk csly III d‚aIykk,aV Vh;j 2 ckaM ¼lhjht

½ Vh;j 2 iwath esa 'kkfey djus ds fy, fMcsapj dh ç—fr esa ¼^^ckaM^^½fy[kr dh ç—fr ;s ckaM iwjh rjg ls isM vi] vlqjf{kr gksaxsA c‚aM/kkjdksa ds nkoksa esa ;g gksxk fd % ¼d½ cSad dh Vh;j 1

iwath esa 'kkfey djus ;ksX; fy[krksa esa fuos'kdksa ds nkoksa ds fy, çkFkfedrk ¼[k½ cSad ds lHkh tekdrkZvksa vkSj lkekU; _.knkrkvksa ds nkoksa gsrq xkS.k rFkk ¼x½ u rks lqjf{kr gS vkSj u gh bls cSad dh xkjaVh }kjk doj fd;k x;k gS vFkok lacaf/kr laLFkk ;k vU; dksbZ O;oLFkk gS tks fd dkuwuh rkSj ij ;k vkfFkZd :i ls ysunkjksa dh rqyuk esa nkoksa dks çkFkfedrk nsrk gSA

tkjh djuk@Ø;&foØ; MhesV Q‚eZ esaØsfMV jsfVax fØfly }kjk ^^fØfly ,, @ fLFkj^^ vkSj ds;j }kjk ^^ds;j ,, @ fLFkj^ÂçfrHkwfr çfrHkwfrjfgr vkSj xkS.kvafdr ewY; #i;s 10]00]000@ & çfr ck¡MfuxZe ewY; le ewY; ij ¼10]00]000 #i;s@& çfr c‚.M½ çfrns; ewY; le ewY; ij ¼# 10]00]000@ & çfr c‚.M½ U;wure vkosnu 1 ¼,d½ c‚UM rFkk mlds ckn 1 ¼,d½ c‚UM ds xq.kdksa esa dk;Zdky vkcaVu dh MhEM fnukad ls 10 lky iqV fodYi dksbZ ughadky fodYi dksbZ ughaçfrns;rk/ ifjiDDork vkcaVu dh vuqekfur fnukad ls 10 o"kZ ds var esa çfrns;rk frfFk 19 väw cj 2026 dwiu nj* 7-99 çfr o"kZC;kt Hkqxrku okf"kZdC;kt Hkqxrku frfFk;ka ck¡M dh ifjiDork rd çfr o"kZ 19 väwacj okf"kZd U;klh ,fDll VªLVh lfoZlst fyfeVsM fu{ksikxkj us'kuy flD;ksfjVht fMi‚ftVjh fyfeVsM ¼^^,u,lMh,y^^½ vkSj lsaVªy fMi‚ftVjh lfoZlst ¼bafM;k½ fyfeVsM

¼^^lhMh,l,y^^½iath;d fyad buVkbe bafM;k çkbosV fyfeVsM vkosnu jkf'k ij C;kt* b';wb esa ftu vkosndksa dks ckaM vkcafVr fd, x, gSa] ,Iyhads'ku euh ij C;kt dk Hkqxrku dqy dwiu ewY;

nj ij fn;k tk,xk ¼vk;dj vf/kfu;e] 1961] ;k fdlh vU; lkafof/kd la'kks/ku ;k mld s iquf/kZfu;eu ds çko/kkuksa ds rgr vk;dj dh dVkSrh ds v/khu ykxw gks½ tks fd tkjhdrkZ ds [kkrs esa tkjh gksus dh frfFk ls ysdj vkosnu /ku dh çkfIr dh frfFk dh vof/k ds fy, c‚.M dh dqy vafdr ewY; jkf'k ij gksxk fdarq vkcaVu dh MhEMs fnukad dks lfEerfyr ugha fd;k tk,xkA vkcafVrh dks tkjhdrkZ }kjk vkosnu jkf'k ij bl rjg ds C;kt dk Hkqxrku vkcaVu dh vuqekfur fnukad ls 15 ¼iaæg½ fnu ds Hkhrj fd;k tk,xkA

fuiVku C;kt dk Hkqxrku rFkk ewy jkf'k dh vnk;xh cSad }kjk pkSd@C;kxt ;k çfrns;rk okjaV@ekax Mªk¶V@[kkrs esa lh/ks tek@,ubZlh,l@vkjVhth,l@,ubZ,QVh ra= ;k Hkkjrh; fjtoZ cSad }kjk ekU;p fdlh Hkh ds v‚uykbu lqfo/kk ds ek/;je ls dh tk,xhA

va"knku dk ek/;e psd@fMekaM Mªk¶V ds ek/;e ls çs"k.k ^îatkc ,.MA fla/k cSad ,dkmaV^^ ds i{k esa ^^dsoy vnkrk ds [kkrs esa^^ js[kkafdr fd;k x;k gks vkSj ftl LFkk u@dsaæ esa vkosnu i= tek djok;k x;k gks og‚a ij leewY; ij ns; vFkok iatkc ,.Mj fla/k cSad IFSC dksM PSIB0000606] jktsaæ Iys;l] ubZ fnYyh ds [kkrs esa tek djus ds fy, bySDVª‚fud ek/;e tSls QaM VªkaLQsj@vkjVhth,l ç.kkyh dk ç;ksx fd;k tk,A

b';wZ ds [kqyus dh frfFk^ 05-10-2016b';wZ ds can gksus dh frfFk^ 05-10-2016is&bu MsVl^ 19-10-2016vkcaVu dh ekuh xbZ frfFk^ 19-10-2016

Punjab & Sind Bank

2017-18 183

Issuer

Instrument


In demat mode only

Security Unsecured and Subordinated

Issue Price

10 years from the Deemed Date of Allotment NoneNoneAt the end of 10 years from the Deemed Date of Allotment

Coupon RateInterest Payment AnnualInterest Payment Date

DepositoryRegistrarInterest on

mechanism or any other online facility allowed by the RBI

Issue Opens onIssue Closes onPay in DateDeemed Date of Allotment

iatkc ,.M fla/ cSad


6 ,sVh 1 c‚UMksa 1000 djksM+ :i,

laf{kIr 'krZ rkfydk

b';wdrkZ iatkc ,.M fla/k cSad

b';wZ dk vkdkj :i, 1000 djksM+

b';wZ dk mís';Z nh?kZ vof/k ds lzksr es o`f) djus rFkk Hkfo"; ds fodkl gsrq c‚lfy III ds vuqlkj bldh viuh iwath i;kZI;rk dks etcwrh çnku djus ds yfy, cSad dh lexz iwath es o`f) djukA

fy[kr fMcsapj ds :i es opui= ¼Þck.Mß½ vlqjf{kr] vifjirhZU;] lqcksfnZurs csfe;knh dj ;ksX; ck.M tks Vh;j 1 iwath ds :i es ekU; gksxs ¼tSlk od Hkkjrh; fjtoZ cSad ds c‚lfy III dh 'krksZ es ifjHkkf"kr gS½

fy[kr dh ç—fr c‚UM u rks lqjf{kr gSa] uk gh fuxkedrkZ dh xkjaVh ds v/khu gSa] uk gh lEHkafnr laLFkk ;k O;oLFkk tks dkuwuh :i ;k vkfFkZd rkSj ij c‚UM /kkjdks ds nkoks dh fojj"Brk es o`f) djrk gS ¼Þc‚UM /kkjdksß½ vFkkZFkZ fuxkedrkZ ds vU; _.knkrkA

c‚UM /kkjdks ds nkfos gksxs %

¼i½ bZdfDoVh 'ks;jks es fuos'kdks rFkk cSad ds csfe;knh xSj&lap;h vf/keku 'ks;jks] ;fn dksbZ gSa] ds nkfoks ij rjthg ik,axs;

¼ii½ tekdrkjvks ds nkoks] vke _.knkrkvks rFkk Vh;j 1 iwath ds rkSj ij xkS.k _.kks¼tSlk od c‚lfy IIIdh 'krj es ifjHkkf"kr gS½ ds vfrfjRä cSad ds xkS.k _.kks ls xkS.k gksxs;

¼iii½ uk rks lqj'k{kr gSa] uk gh fuxkedrkZ dh xkjaVh ds v/khu gSa] uk gh laHkafnr laLFkk ;k O;oLFkk tks dkuwuh :i ;k vkfFkZd rkSj ij nkfoks dh ohfj'Bk es o`f) djrk gS vFkkZrZ cSad ds vU; _.knkrkA

¼iv½ vf/keku ds cxSj leku :i j[krs gSa;

¼v½ ;fn cSad }kjk rRiRpkr tkjh od, x, c‚UMks/nhcsarsjks ¼,-Vh-vkbZ- fyf[kr dh çdfrZ vuqlkj½ dh 'krksZ es mYysf[kr ugh fd;k tkrk gS od ,sls c‚UM /kkjdks ds nkoks dks rjthg nh tk,xh ;k bl çdVu çys[k ds varxjr tkjh od, c‚UMks ls xkS.k gksxs vFkok Hkkjrh; fjtoZ cSad vius n'kk&funsZ'kks es vU;Fkk fu/kkZfjr ugh djrk gS] cSad ds ,sls nhcsa=ks@c‚UMks ds /kkjdks ds nkoks ds le:i c‚UM /kkjdks ds nkfos gksxsA;

tkjh djuk@Ø;&foØ; MhesV Q‚eZ esa

ØsfMV jsfVax vkbZlhvkj, }kjk ^^vkbZlhvkj, , @ fLFkj^^ vkSj ds;j }kjk ^^ds;j , @ fLFkj^Â

çfrHkwfr çfrHkwfr jfgr

vafdr ewY; #i;s 10]00]000@ & çfr ck¡M

fuxZe ewY; leewY; ij ¼ 10]00]000@& çor c‚UM½

çfrns; ewY; leewY; ij ¼ 10]00]000@& çor c‚UM½

U;wure vkosnu nl ¼10½ c‚UM vkSj mlds ckn 1¼,d½ ds xq.kkad es c‚UM

vfo/k/k csfe;knh

iqV fodYi dksbZ ugha

dky fodYi fyf[kr dh de ls de ikp o"kZ dh vof/k iw.kZ djus ij dky fodYi dh vuqefr gSA

çfrns;rk/ ifjiDDork le ewY; ij

çfrns;rk frfFk csfe;knh

dwiu nj 10-90 okf"kZd

C;kt Hkqxrku okf"kZd

C;kt Hkqxrku frfFk;ka çR;sd o"kZ 08 ebZ dks okf"kZd

Punjab & Sind Bank

2017-18

Issuer

Rs 1000 Crore

Instrument

Nature of Instrument arrangement that legally or economically enhances the seniority of the claim of the holders of the Bonds

other creditors of the Issuer.

subsequent bond holders are senior or subordinate to the bond issued under this Disclosure Document or

In demat mode only

Security Unsecured

Issue Price

Perpetual

None

At PAR

Perpetual

Coupon Rate

Interest Payment Annual

Interest Payment Date

iatkc ,.M fla/ cSad


U;klh foL=k vkbZ-Vh-lh-,fy- ¼ba/kM;k½ fyfeVsM

fMikftVjh us'kuy flD;ksfjVht fMi‚ftVjh fyfeVsM¼^^,u,lMh,y^^½ vkSj lsaVªy fMi‚ftVjh lfoZlst¼bafM;k½ fyfeVsM ¼^^lhMh,l,y^^½

jttLVªkj fyad buVkbe bafM;k çkbosV fyfeVsM

vkosnu jkf'k ij C;kt* dwiu nj ij C;kt ¼vk;dj vf/kfu;e] 1961 ds çko/kkuksa dh 'krksZ ds varxjr vk; dj dh dVkSrh ;k dksbZ lafo/kkfud la'kks/ku vFkfok iqu% fØ;k'khfy djuktSlk Hkh ykxq gks½ dk Hkqxrku lHkh vkosndksa dks c‚UMks dh vkosnu jk'kh ij pkSd ¼vks½@fMekaM Mªk¶V¼vks½ ds ikl gksus dh frfFk ls fd;k tk,xk vkSj vkj-Vh-th-,l-@vU; bysDVª‚fuDl varj.k ds ekeyks es] fuf/k;ks dh çkfIr gksus ij vkosnu dh vuqekfur frfFk ls ,d fnu igys ,sls C;kt dk Hkqxrku fd;k tk,xkA

okLrfod fnu ds x.kuk dh ijeijk@okLrfodrk ds vuqlkj vkosnu jk'kh ij x.kuk dh tk,xhA lHkh os/; vkfosnuks ij ftles fjQaM Hkh 'kkfey gSa ] ,sls C;kt dk Hkqxrku fd;k tk,xkA vkosnu jk'kh ftldks fokil yksVk;k x;k gS] vkosnu jk'kh ij C;kt dk Hkqxrku fjQaM vkns'k ds lkFk yksVk;k tk,xk vkSj vkosnu jk'kh ftlds fo#) c‚UMks dks vkcaVVr fd;k x;k gS] vkcaVu dh vuqekfur frfFk ls vkosnu jk'kh ij C;kt 10 dk;Z fnolksa ds vanj vnk fd;k tk,xkA tgk¡ ,d vkosnd dks vkosfnr c‚UMks ls de la[;k es c‚UMks dk vkcaVu fd;k tkrk gS] vkosnd dks vkosnu ij vnk dh xbZ Qkyrw jk'kh ds lkFk fokil dh xbZ jk'kh ij C;kt dk Hkqxrku Hkh od;k tk,xkA vkosnu jk'kh ij C;kt ij ykxw nj ij lzksr ij vk; dj dVkSrh ¼Vh-Mh-,l-½ dh tk,xhA

fuiVku C;kt dk Hkqxrku rFkk ewy jkf'k dh vnk;xh cSad }kjk pkSd/ C;kt@çfrns;rk okjaV@ekax Mªk¶V@[kkrs esa lh/ks tek@,ubZlh,l@vkjVhth,l@,ubZ,QVh ra= ;k Hkkjrh; fjtoZ cSad }kjk ekU;d fdlh Hkh ds v‚uykbu lqfo/kk ds ek/;e ls dh tk,xhA

va"knku dk ek/;e foçs"k.k dks ;k rks iatkc ,.M fla/k cSad ds i{k es vkgfjr Þdsoy vnkrk ds [kkrs esß Økl pkSd¼vks½@ekax i=¼vks½ tks dh le ewY; ij ns; gks ftu LFkkuks@dsæks ij vkosnu i= tek fd;k x;k gks vkSj fuf/k varj.k@vkj-Vh-th-,l- ra= ds ek/;e ls by sDVª‚fud varj.k Þi atkc ,.M fla/k cS ad ds 21] jktsæ Iysl] ubZ fnYgh ds fy, IFSC dwV la[;k ßPSIB0000606ß es fd;k tk ldrk gSA

b';wZ ds [kqyus dh frfFk^ 02-05-2017

b';wZ ds can gksus dh frfFk^ 02-05-2017

is&bu MsVl^ 08-05-2017

vkcaVu dh ekuh xbZ frfFk^ 08-05-2017

rkfydk Mh&,Q&15& ikfjJfed ds fy, vko';drkvksa dk çdVhdj.k

lkoZtfud {ks=ksa ds cSadksa ds fy, ykxw ugha gSaA

rkfydk Mh,Q& 16% bfDoVh & cSafdax cgh [kkrksa dh fLFkfr laca/kh çdVhdj.k

xq.kkReMd çdVhdj.k

1- /kkfjrkvksa esa HksnHkko] ftl ij iw¡thxr ykHk visf{kr gSa vkSj ftls laca/kksa rFkk uhfrxr dkj.kksa lfgr y{;ksa ds varxZr fy;k x;k gSA

cSafdax cgh esa bfDoVh fuos'k uhfrxr mís';ks ls vkjvkjch esa j[kk x;k gSA cSad iw¡thxr ykHk dekus ds mís';j ls cSafdax cgh esa bfDoVh fuos'k ugha j[krk gSA

2-cSafdax cgh esa bfDoVh /kkfjrkvks ds ewY;ka du laca/kh egRoiw.kZ uhfr;ksa ij ppkZA blesa egRoiw.kZ iwoZ&/kkj.kkvksa rFkk ewY;kadu dks çHkkfor djus okyh çFkkvks rFkk bu çFkkvks esa gq, egRoiw.kZ cnykoksa lfgr ç;qä ys[kkadu rduhds vkSj ewY;kadu ç.kkfy;k 'kkfey gksuh pkfg,A

,sls fuos'k] ftls ifjDogrk rd j[kk tkuk vfHkçsr gS] ,pVh,e çfrHkwfr ds :i esa oxhZ—r gSaA ,pVh,e Js.kh ds varxZr oxhZ—r fuos'kksa dks cktkj ds fy, fpfàr ugha fd;k x;k gS rFkk miktZu ykxr ij j[kk x;k gSA fuos'k ewY;x esa vLFkk bZ ºzkl ds vykok fdlh Hkh çdkj ds ºzkl dk çko/kku fd;k tkrk gSA ,pVh,e Js.kh esa fuos'kksa dh fcØh laca/kh fdlh Hkh gkfu dh igpku ykHk&gkfu [kkrk esa dh tkrh gS rFkk mls Hkk-fj-cSad ds fn'kk&funsZ'kksa ds vuqlj.k esa fuoy dj ,oa lkafof/kd vkjf{kfr;ksa ds i'pkr~ ^^vkjf{kr iw¡th** ls lek;ksftr fd;k tkrk gSA

Punjab & Sind Bank

2017-18

Depository

Registrar

Interest on

shall be paid from the date of receipt of funds to one day prior to the Deemed Date of Allotment.

mechanism or any other online facility allowed by the RBI

Delhi

Issue Opens on

Issue Closes on

Pay in Date

Deemed Date of Allotment

•

• Discussion of important policies covering the

iatkc ,.M fla/ cSad


jkf'k yk[kksa esa

ek=kReed çdVhdj.k

1 rqyu&i= esa fuos'kksa dk çdfVr ewfY;] blds vfrfjä fuos'kksa ds mfpr ewY;k] çLrqdr çfrHkwfr;ksa gsrq lkoZtfud :i ls çLrqur 'ks;j ewY;e ls rqyuk] tgk¡ 'ks;j ewY;r] okLrsfod ewY;r ls oLrqjr% fHkUuh gSA

çdfVr ewY;&65-37 okfLrfod ewfY;& 1324-54 ¼rqyu&i= ds vuqlkj½

2 fuos'kksa ds çdkj vkSj Lo#i] ftles fuEufyf[kr ds :i esa oxhZ—r dh tk ldus okyh jkf'k 'kkfey gS%Û lkoZtfud :i ls ysunsu fd, x,; rFkkÛ uhft :i ls /kkfjrA

'kwU;h65-37

3 fjiksfVaZx vof/k esa fcØh rFkk ifjlekiu ls mRiUu lap;h ykHk çkfIr ¼gkfu;k¡½ 'kwU¸k4 dqy vçkIr ykHk ¼gkfu;k¡½ 'kwU;5 dqy çPNUu iquewZY;kadu ykHk ¼gkfu;k¡½ 1259-176 mi;qZä esa ls Vh;j&I rFkk/;k Vh;j&II esa 'kkfey dh x;h jkf'k;k¡ 'kwU;7 cSad dh dk;Zi)fr ds vuq:i mi;qä bfDoVh lewgu }kjk foHkkftr iwath vis{kk, vkSj ldy jkf'k;k¡ rFkk bfDoVh fuos'kksa dk çdkj] tks fofu;ked iwath vis{kkvks ds laca/k esa fdUgh i;Zos{kh lØe.k ;k xzkaMQknfjax çko/kkuksa ds v/khu gks

vkjvkjch esa ,pVh,e bfDoVh fuos'k]dks ekLVhj ifji= ckly&III iw¡th fofu;euksa ds iSjk 4-4-9-2 ds vuqlkj mipkfjr fd;k x;k gSA

rkfydk Mh&,Q& 17& ys[kk vkfLr;k¡ cuke yhojst vuqikr ,Dlikstj mik;ksa dh rqyukRed laf{kfIrensa ¼#- yk[kksa esa½½

1- çdkf'kr foÙkh; foojf.k;ksa ds vuqlkj dqy lesfdr vkfLr;k¡ 11375924-232- cSafdax] foÙkh;] chek ;k O;klikfjd laLFkk~vksa esa fuos'k gsrq lek;kstu tks fd ys[kkadu mís';ks ls ijarq fofu;ked lesdu ds {ks= ls ckgj lesfdr dh xbZ gSaA

&

3- yhojst vuqikr ,Dl;ikstj mik;ksa ds vfrfjäd çorZu'khy ys[kk lajpuk ds vk/kkj ij rqyu&i= esa ekU;; çR;r;h vkfLr;ksa dk lek;kstuA

&

4- MsfjosfVo foÙkh; fy[krksa dk lek;kstu &5- çfrHkwfr foÙkh; ysu&nsuksa dk lek;kstu ¼;Fkk jsiks rFkk leku çfrHkwfr—r _.k½ 200000-006- rqyu&i= esa 'kkfey u gksus okyh enksa dk lek;kstu ¼;Fkk rqyu&i= ds vykok ,Dlìkstj ds

lerqY;y jkf'k tek djus gsrq :ikarj.k½503376-81

7- vU;7 lek;kstu8- yhojst vuqikr ,Dlksikstj 11879301-04

rkfydk Mh&,Q&18& yhojst vuqikr lkekU;a çdVhdj.k VsaiysVyhojst vuqikr en lajpuk ¼#- yk[kksa esa½

rqyu&i= ,Dlkikstj1- rqyu&i= dh ensa ¼MsfjosfVo rFkk ,l,QVh ds vfrfjä~ ijarq laikf'kZ~od lfgr½ 11175924-232- ¼fu/kkZjd csly III fV;j 1 iw¡th esa ?kVkbZ xbZ vkfLr;ksa dh jkf'k½ ¼4041-27½3- dqy rqyu&i= ,DlIikstj ¼MsfjosfVo rFkk ,l,QVh ds vfrfjäh½ ¼iafä 1 o 2 dk tksM+½ 11171882-96

MsfjosfVo ,Dl ikstj4- lHkh MsfjosfVo ysu&nsuksa esa 'kkfey çfrLFkkiu ykxr ¼vFkkZr ik= udnh ifjorZu ekftZu dk dqy tksM+½ &

Punjab & Sind Bank

2017-18

Nil

3 Nil

4 Nil

5

6 Nil

7

grandfathering provisions regarding regulatory capital requirements.

Item

1.

2.

3.

200000.00

1.

2.

3.

Replacement cost associated with all

iatkc ,.M fla/ cSad


5- lHkh MsfjosfVo ysu&nsu esa 'kkfey ih,QbZ gsrq iwjd jkf'k &6- ldy MsfjosfVo laikf'kZ~od c'krsZ ftlesa çorZu'khy ys[kk lajpuk ds vk/kkj ij rqyu&i= vkfLr;ksa

ls dVkSrh dh xbZ gSA &

7- ¼MsfjosfVo ysu&nsuksa es n'kkZ, x;s udnh ?kV&c<+ ekftZu gsrq çkI;k vkfLr;ksa dh dVkSfr;k¡½ &8- ¼xzkgd& lek'kksf/kr O;k;ikj ,Dlaikstj ds fy, NwV çkIr lhlhih ysx &9- fyf[kr ØsfMV MsfjosfVo ds fy, lek;ksftr çHkkoh vuqekfur jkf'k &10- fy[kr _.k MsfjosfVo~ gsrq lek;ksftr çHkkoh vuqekfur lejkf'k rFkk iwjd dVkSfr;k¡ &11- dqy MsfjosfVo ,Dllikstj ¼iafä 4 ls 10 dk tksM+½ &

çfrHkwfr foÙkiks"k.k ysu&nsu ,Dl ikstj12- ldy ,l,QVh vkfLr;k¡ ¼usfVax ds fy, ekU; ugha½] fcØh ys[kkdu ysu&nsuksa ds lek;kstu mijkar 200000-0013- ¼ldy ,l,QVh vkfLr;ksa dh ns; udnh rFkk çkI; udnh dh fuoy jkf'k½ &14- ,l,QVh vkfLr;ksa gsrq lhlhvkj ,Dlrikstj &15- ,tsaV ysu&nsu ,Dl ikstj &16- dqy çfrHkwfr foÙkkiks"k.k ysunsu ,Dlikstj ¼çfrHkwfr iafä;ksa 12 ls 15 dk dqy tksM+½ 200000-00

vU; rqyui=srj ls ,Dljikstj17 ldy vuqekfur jkf'k ij rqyui=srj ,Dljikstj 1544541-3618 ¼_.k lerqY;k jkf'k ds :ikarj.k gsrq lek;kstu½ ¼1041164-55½19 rqyui=srj ensa ¼iafä 17 rFkk 18 dk tksM+½ 503376-81

iw¡th rFkk dqy ,Dliikstj20 Vh;j 1 iw¡th 664665-3021 dqy ,Dl ikstj ¼iafä 3]11]16 rFkk 19 dk tksM+½ 11875259-77

yhojst vuqikr22 csly III yhojst vuqikr 5-60%

uksV% ;g ewy vaxzsth ikB dk fganh vuqokn gSA

Punjab & Sind Bank

2017-18

8.

10.

11.

12. assets 200000.00

13.

18

20

21

22

iatkc ,.M fla/ cSad


/kou ,.M daiuhlunh ys[kkdkj

nfoUnj iky flag ,.M daiuhlunh ys[kkdkj

,l- eku ,.M daiuhlunh ys[kkdkj

cYnso dqekj ,.M daiuhlunh ys[kkdkj

Lora= ys[kk ijh{kdksa dh fjiksVZLksok esa]iatkc ,.M fla/k cSad

foÙkh; foojf.k;ksa ij fjiksVZ

1- geus iatkc ,.M fla/k cSad ds 31 ekpZ] 2018 dh foÙkh; foojf.k;ksa ftuesa 31 ekpZ] 2018 dk rqyu&i= rFkk bl frfFk dks lekIrgq, o"kZ ds fy, cSad ds ykHk&gkfu [kkrs rFkk udnh çokg fooj.kh lfgr ys[kksa ls lacaf/kr fVIif.k;ksa dk ys[kk ijh{k.k fd;k gSA bufoÙkh; foojf.k;ksa esa gekjs }kjk ys[kk ijhf{kr ç/kku dk;kZy; ds fofHkUu foHkkxksa dh fjVuZ] lHkh 24 vkapfyd dk;kZy;] 20 'kk[kk,arFkk 1 ,dhdr Vªstjh 'kk[kk vkSj 'kk[kkvksa ds ys[kk ijh{kdksa }kjk ijhf{kr 620 'kk[kk,a gSaA gekjs rFkk vU; ys[kk ijh{kdksa }kjk ys[kkijhf{kr 'kk[kkvksa dk p;u cSad us Hkkjrh; fjtoZ cSad }kjk tkjh ekunaMksa ds vuqlkj fd;k gSA rqyu&i= rFkk ykHk&gkfu [kkrs esa 874'kk[kkvksa ls Hksth xbZ foojf.k;k¡ 'kkfey gSa tks ys[kk ijh{k.k ds v/khu ugha gSaA bu vijhf{kr 'kk[kkvksa esa vfxzeksa dk çfr'kr 9 çfr'kr]tekjkf'k;ksa dk 22-13 çfr'kr] vfxzeksa ij C;kt vk; dk 6-70 çfr'kr rFkk tek jkf'k;ksa ij fn, x, C;kt O;;ksa dk 21-66 çfr'krfgLlk curk gSA

foÙkh; foojf.k;ksa ds fy, cSad çca/ku dk mÙkjnkf;Ro

2- cSad çca/ku bu foÙkh; foojf.k;ksa dks ys[kk ekudksa ds vuqlkj rS;kj djus ds fy, mÙkjnk;h gS tksfd cSafdax fofu;eu vf/kfu;e]1949 ds vuqlkj] le;≤ ij Hkkjrh; fjtoZ cSad }kjk tkjh fn'kk&funsZ'kksa rFkk lkekU; :i ls Hkkjr esa Lohdk;Z ys[kk ekudksa dsvuqlkj gSaA mÙkjnkf;Ro esa fMtkbZu] dk;kZUo;u rFkk foÙkh; foojf.k;ksa dks rS;kj djus gsrq vkarfjd fu;a=.k tks fd ;FkkFkZ ds vdFku]/kks[kk/kM+h ;k xyrh ds dkj.k gks ldrk gS] lfEefyr gSA

ys[kk ijh{kdksa dk mÙkjnkf;Ro

3- gekjs ys[kk ijh{k.k ds vk/kkj ij bu foÙkh; foojf.k;ksa ij jk; nsuk gekjk mÙkjnkf;Ro gSA geus viuk ys[kk ijh{k.k lunh ys[kkdkjlaLFkku }kjk tkjh ys[kk ijh{k.k ekudksa ds vuqlkj fd;k gSA bu ekudksa ds vuq:i ;g okaNuh; gS fd ge ys[kk ijh{k.k gsrq uSfrdvko';drkvksa dk /;ku j[ksa vkSj bl çdkj ;kstuk cuk,a ,oa bls iw.kZ djsa rkfd ;g fo'okl gks lds fd foÙkh; foojf.k;ksa esa dksbZ Hkhdeh ugha gSA

4- ,d ys[kk ijh{k.k esa foÙkh; foojf.k;ksa esa fd, x, çdVu vkSj jkf'k;ksa laca/kh lk{;ksa dks çkIr djus dh çfØ;k dk ijh{k.k lfEefyrgSA viukbZ xbZ çfØ;k ys[kk ijh{kd ds fu.kZ; ij fuHkZj gksrh gS ftlesa foÙkh; foojf.k;ksa ds fo"k; esa nh xbZ xyr lwpuk dk vkadyulfEefyr gS tks /kks[kk/kM+h ;k xyrh ds dkj.k gks ldrk gSA ys[kk ijh{kd ifjfLFkfr;ksa ds vuq:i tksf[ke Hkjk vkadyu djus ds fy,vkarfjd fu;a=.k rFkk okLrfod çLrqfrdj.k ij fopkj djrk gS u fd cSad ds vkarfjd fu;a=.k dh çHkkfork ij fopkj O;ä djus dsmís'; lsA ys[kk ijh{k.k esa ewY;kadu djus esa mfpr ys[kk fl)karksa dk mi;ksx rFkk çca/ku }kjk rS;kj fd, x, egRoiw.kZ vuqeku dslkFk laiw.kZ foÙkh; foojf.k;ksa dks çLrqr djuk Hkh lfEefyr gSA

5- gesa fo'okl gS fd geus ys[kk ijh{k.k esa tks lk{; çkIr fd, gaS lkekU;r% iw.kZ gSa vkSj gekjs i{k ds fy, ,d mi;qä vk/kkj gSaA

fo"k; dk egRo%

6- gekjh fjiksVZ dh fo'ks"krk crk, fcuk ge fuEufyf[kr dh vksj /;ku vkdf"kZr djrs gSa%

¼d½ uksV la[;k 1-1] 1-2 vkSj 1-3 vk;] O;;] vkfLr;ksa vkSj ns;rkvksa ds fofHkUu [kkrksa dh cdk;k enksa ds 'ks"kksa@fudklh igpku@lek;ksftr u gksus ds dkj.k blds çHkko dh vko';drk dks fu/kkZfjr ugha fd;k tk ldk gSA

¼[k½ vihy esa foyafcr fookfnr dj ns;rkvksa ds laca/k esa uksV la- 10-9-5] ftldk çHkko fuf'pr ugha gSA

¼x½ cSad dh iw ath i;kZIrrk csly&II rFkk csly& III vU; vuqikr ftUgsa cS ad }kjk ys[kksa esa çdV fd;k x;k gS] [kkrksa ij fVIif.k;ka] ys[kk& uhfr;ksa vkSj mä ifjPNsn 6¼d½ ls ¼[k½ ij gekjh fVIif.k;ksa ds vuqlkj fd, x, lek;kstuksa ds vuq:i gSA

Punjab & Sind Bank

2017-18

that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether

design audit procedures that are appropriate in the circumstances but not for the purpose of expressing an opinion on the

opinion.

iatkc ,.M fla/ cSad


vfHker

7- gekjh jk; esa tSlk fd cSad ds cfg;ksa esa n'kkZ;k x;k gS vkSj gekjh loksZÙke tkudkjh ds vuqlkj rFkk gesa fn, x, Li"Vhdj.kksa dsvuqlkj] ge ;g lwfpr djrs gSa fd%&

d½ çeq[k ys[kk uhfr;ksa rFkk mu ij gekjh fVIif.k;ksa lfgr iBuh; rqyu&i= ,d iw.kZ ,oa fo'kq} rqyu i= gS ftlesa vko';dfooj.k fufgr gSa rFkk bls mfpr <+ax ls rS;kj fd;k x;k gS ftlesa cSad ds 31 ekpZ 2018 ds ekeyksa dk mfpr mYys[k gS tks fd Hkkjr esa lkekU; :i ls Lohdk;Z ys[kk fl)kUrksa ds vuq:i gSa%

[k½ ykHk gkfu [kkrk ,oa çeq[k ys[kk uhfr;ka tks fd Hkkjr esa lkekU; :i ls Lohdk;Z ys[kk fl)kUrksa ds vuq:i gS rFkk gekjh fVIif.k;ksa ds lkFk iBuh; lekIr o"kZ ds fy, okLrfod ykHk 'ks"k dks n'kkZrk gS vkSj

x½ udnh çokg fooj.kh ml frfFk ij lekIr o"kZ rd dh udnh çokg fooj.kh ds lR; rFkk okLrfod udnh çokg dks n'kkZrk gSA

vU; fof/kd rFkk fofu;ked vko';drkvksa ij fjiksVZ

8- rqyu&i= vkSj ykHk gkfu [kkrs] cSafdax fofu;eu vf/kfu;e] 1949 dh /kkjk 29 ds vuqlkj rS;kj fd, x, gSaA

9- mijksä 1 ls 5 rd ifjPNsnksa esa ys[kk ijh{kk ds vk/kkj ij rFkk cSafdax daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970/1980rFkk mlesa visf{kr çdVhdj.k dh lhekvksa ds v/khu rFkk ys[kk uhfr;ksa vkSj ys[kk laca/kh fVIif.k;ksa dks /;ku esa j[krs gq, ge fjiksVZdjrs gSa fd%

d½ tks lwpuk,a vkSj Li"Vhdj.k gekjh tkudkjh ,oa fo'okl ds vuqlkj ys[kk ijh{k.k gsrq vko';d Fks] geus os lHkh lwpuk,a çkIrdh gSa vkSj bUgsa larks"ktud ik;k gSA

[k½ cSad ds ,sls lHkh ysu&nsu tks gekjh tkudkjh esa vk, gSa tks cSad ds vf/kdkjksa ds varxZr FksA

x½ cSad ds dk;kZy;ksa@'kk[kkvksa ls çkIr foojf.k;ksa dks lkekU;r% ys[kk ijh{k.k gsrq mi;qä ik;k x;k gSA

10- vkxs ge lwfpr djrs gSa fd%

¼d½ fjiksVZ esa n'kkZ, x, rqyu&i= rFkk ykHk&gkfu [kkrs ys[kk cfg;ksa vkSj foojf.k;ksa ls esy [kkrs gSaA

¼[k½ cSaddkjh fofu;eu vf/kfu;e] 1949 dh /kkjk 29 ds varxZr ge dks cSad ds 'kk[kk ys[kkdkjksa }kjk 'kk[kk dk;kZy;ksa dh ys[kkijhf{kr fjiksVZ Hksth xbZ gSa vkSj bl fjiksVZ dks rS;kj djus esa mudk lgh mi;ksx fd;k x;k gS] vkSj

¼x½ gekjh jk; esa] rqyu&i=] ykHk&gkfu [kkrk rFkk udnh çokg fooj.kh ykxw ys[kk ekudksa ds vuqlkj gSaA

—rs /kou ,.M da- —rs nfoUnj iky flag ,.M da- lunh ys[kkdkj lunh ys[kkdkj ,Qvkj,u% 002864,u ,Qvkj,u% 007601,u

¼nhid diwj½ ¼banjthr dkSj½lk>snkj lk>snkj,e-ua- 072302 ,e-ua- 500143

—rs ,l- eku ,.M da- —rs cynso dqekj ,.M da-lunh ys[kkdkj lunh ys[kkdkj,Qvkj,u% 000075,u ,Qvkj,u% 013148,u

¼lqHkk"k eku½ ¼cynso xxZ½lk>snkj lk>snkj,e-ua- 080500 ,e-ua- 092225

ubZ fnYyhfnukad% 16 ebZ] 2018

Punjab & Sind Bank

2017-18

Opinion

audit.



Place : New Delhi

iatkc ,.M fla/ cSad


iatkc ,.M fla/k cSad31 ekpZ] 2018 dk rqyu&i=

¼000 NksM+dj½#i, #i,

iw¡th rFkk ns;rk,a vuqlwph 31-3-2018 dh fLFkfr dsvuqlkj ¼ys[kk ijhf{kr½

31-3-2017 dh fLFkfr dsvuqlkj ¼ys[kk ijhf{kr½

iw¡th 1 5649123 4004110

vkjf{kr fuf/k ,oa vf/k'ks"k 2 56177727 57420579

tekjkf'k;k¡ 3 1017261664 855401613

m/kkj 4 36829849 29584377

vU; ns;rk,a rFkk çko/kku 5 21674060 20023692

tksM+ 1137592423 966434371

vkfLr;k¡udnh vkSj Hkkjrh; fjt+oZ cSad esa bfr'ks"k 6 62563845 43646772

cSadksa esa bfr'ks"k ,oa ekax rFkk vYi lwpuk ij çkI; /ku 7 8763081 2250993

fuos'k 8 329817572 279485019

vfxze 9 665694469 583345334fLFkj vkfLr;k¡ 10 10825985 10954287

vU; vkfLr;k¡ 11 59927471 46751966

tksM+ 1137592423 966434371

vkdfLed ns;rk,a 12 61793992 97296773

olwyh ds fy, fcy 5946070 5970694

mYys[kuh; ys[kk uhfr;k¡ 17[kkrksa ls lacaf/kr fVIif.k;k¡ 18vuqlwph 1 ls 18 [kkrksa dk vfHkUu vax gSaA

31 ekpZ] 2018 dks lekIr o"kZ ds fy, ykHk&gkfu [kkrk ¼000 dks NksM+dj½

#i, #i,vuqlwph 31-3-2018 dks lekIr o"kZ

¼ys[kk ijhf{kr½31-3-2017 dks lekIr o"kZ

¼ys[kk ijhf{kr½I- vk;

vftZr C;kt 13 79487533 81728719

vU; vk; 14 5812005 5780982

tksM+ 85299538 87509701

II- O;;O;; fd;k x;k C;kt 15 57135566 60135376

ifjpkyu O;; 16 16716836 14955547

çko/kku vkSj vkdfLed O;; 18885113 10407936

tksM+ 92737515 85498859

III- ykHk@gkfuvof/k ds 'kq) ykHk@gkfu ¼&½ -7437977 2010842

vxzkuhr ykHk@gkfu ¼&½ 18572748 18127770

lkekU; vkjf{kfr;ksa ls vkgj.k 0 0

tksM+ 11134771 20138612

ewy ,oa ruq—r vtZu çfr 'ks;j -18.49 5.02

Punjab & Sind Bank

2017-18 197

PUNJAB & SIND BANKBALANCE SHEET AS ON 31st MARCH, 2018

(000'S OMITTED)Rs. Rs.

CAPITAL & LIABILITIES SCHEDULE AS ON 31.03.18[Audited]

AS ON 31.03.17[Audited]

Capital 1 5649123 4004110Reserves & Surplus 2 56177727 57420579Deposits 3 1017261664 855401613Borrowings 4 36829849 29584377

5 21674060 20023692TOTAL 1137592423 966434371

ASSETSCash & balances with Reserve Bank Of India 6 62563845 43646772

7 8763081 2250993Investments 8 329817572 279485019Advances 9 665694469 583345334Fixed Assets 10 10825985 10954287Other Assets 11 59927471 46751966TOTAL 1137592423 966434371

12 61793992 972967735946070 5970694

17Notes on Accounts 18Schedule 1 to 18 form an integral part of the accounts

PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2018(000'S OMITTED)

Rs. Rs.SCHEDULE YEAR ENDED 31.03.18

[Audited]YEAR ENDED 31.03.17

[Audited]I. INCOME

Interest earned 13 79487533 81728719Other income 14 5812005 5780982TOTAL 85299538 87509701

II. EXPENDITUREInterest expended 15 57135566 60135376

16 16716836 1495554718885113 10407936

TOTAL 92737515 85498859III. PROFIT/LOSS

-7437977 201084218572748 18127770

Withdrawal from General Reserve 0 0TOTAL 11134771 20138612

-18.49 5.02

iatkc ,.M fla/ cSad


IV. fofu;kstuvarj.k%lkafof/kd vkjf{kr fuf/k;k¡ 100000 505000

iw¡th vkjf{kr fuf/k ¼fuos'k½ 1013826 337670

/kkjk 36 ¼i½ ¼viii½ ds varxZr fo'ks"k vkjf{kr fuf/k;ka 151067 723194

vkjf{kr fuos'k 0 0

vkLFkfxr dj ns;rk,a 0 0

dkiksZjsV lkekftd mRrjnkf;Ro fuf/k 0 0

çLrkfor ykHkka'k% ¼bZfDoVh½ 0 0

ykHkka'k forj.k dj 0 0

'ks"k dks vkxs rqyu&i= esa ys tk;k x;k 9869878 18572748

tksM+ 11134771 20138612

mYys[kuh; ys[kk uhfr;k¡ 17[kkrksa ls lacaf/kr fVIif.k;k¡ 18vuqlwph 1 ls 18 [kkrksa dk vfHkUu vax gSaA

Qjhn vgen xksfoUn ,u- Mksaxzs dk;Zdkjh funs'kd dk;Zdkjh funs'kd

,l-lsYok dqekj ih-ds-tsuk lh-,- ,l-vkj- ?ksfM;k vruq lsu g"kZ chj flagfuns'kd funs'kd funs'kd funs'kd funs'kd

gjfoUæ lpnso us=kuUn lsBh t;ar dqekj uk;d jktho jkor nythr flag xzksojegkçca/kd egkçca/kd egkçca/kd egkçca/kd egkçca/kd

,-,l-vgwtk pUæ eksgu flagmi egkçca/kd eq[; çca/kd

lefrfFk ij gekjh fjiksVZ ds vuqlkj

—rs /kou ,.M da- —rs nfoUnj iky flag ,.M da- lunh ys[kkdkj lunh ys[kkdkj ,Qvkj,u% 002864,u ,Qvkj,u% 007601,u

¼nhid diwj½ ¼banjthr dkSj½,e-ua- 072302 ,e-ua- 500143

—rs ,l- eku ,.M da- —rs cynso dqekj ,.M da-lunh ys[kkdkj lunh ys[kkdkj,Qvkj,u% 000075,u ,Qvkj,u% 013148,u

¼lqHkk"k eku½ ¼cynso xxZ½,e-ua- 080500 ,e-ua- 092225

uÃ fnYyhfnukad% 16-05-2018

Punjab & Sind Bank

2017-18 199

IV. APPROPRIATIONSTransfer to: Statutory Reserve 100000 505000Capital Reserve [Investment] 1013826 337670

151067 723194Investment Reserve 0 0

0 0Corporate Social Responsibility Fund 0 0

0 00 0

Balance carried over to Balance Sheet 9869878 18572748 TOTAL 11134771 20138612

17Notes on Accounts 18Schedule 1 to 18 form an integral part of the accounts

FAREED AHMED GOVIND N DONGRE EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR

DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR

AS PER OUR REPORT OF EVEN DATE.

CHARTERED ACCOUNTANTS CHARTERED ACCOUNTANTS FRN 002864N FRN 007601N

M.No.072302 M.No.500143

CHARTERED ACCOUNTANTS CHARTERED ACCOUNTANTS FRN 000075N FRN 013148N

M.No.080500 M.No.092225

DATED 16.05.2018

iatkc ,.M fla/ cSad


¼000 dks NksM+dj½#i, #i,

vuqlwph 1 & iw¡th 31-3-2018 dh fLFkfr dsvuqlkj ¼ys[kk ijhf{kr½


çkf/k—r iw¡th %I- bfDoVh 'ks;j iw¡th çR;sd :- 10@- ds 75]00]00]000 'ks;j 7500000 7500000

II- vf/keku 'ks;j iw¡th ¼csfe;knh xSj&lap;h½ ¼ih-,u-lh-ih-,l-½ çR;sd :- 10@& ds 225]00]00]000 'ks;j

22500000 22500000

30000000 30000000

fuxZe] vfHknÙk ,oa çnÙk iw¡th % I- bfDoVh 'ks;j iw¡th çR;sd :- 10/- ds 56]49]12]284 'ks;j ¼fiNys o"kZ

40]04]11]027½ ftlesa dsUæh; ljdkj dh /kkfjrk esa çR;sd :- 10@- ds48]33]24]032 'ks;j ¼fiNys o"kZ 31]88]22]775½ lfEefyr gSaA

5649123 4004110

II- vf/keku 'ks;j iw¡th ¼csfe;knh xSj&lap;h½ ¼ih-,u-lh-ih-,l-½ 0 0

dqy [I+II] 5649123 4004110

¼000 dks NksM+dj½

#i, #i,vuqlwph 2 & vkjf{kr fuf/k ,oa vf/k'ks"k 31-3-2018 dh fLFkfr ds

vuqlkj ¼ys[kk ijhf{kr½31-3-2017 dh fLFkfr dsvuqlkj ¼ys[kk ijhf{kr½

I lkafof/kd vkjf{kr fuf/kvFk'ks"k 10836906 10331906

o"kZ ds nkSjku ifjo/kZu 100000 505000

mi&;ksx& I 10936906 10836906

II- iw¡th vkjf{kr fuf/k &&d- iquewZY;u vkjf{kr fuf/k ¼LFkk;h vkfLr;k¡½vFk'ks"k 8733062 9021393

tek% o"kZ ds nkSjku ifjo/kZu 0 0

?kVk% o"kZ ds nkSjku dVkSfr;k¡ -262642 -288331

mi&;ksx II d 8470420 8733062

[k- iw¡th vkjf{kr fuf/k ¼fuos'k½vFk'ks"k 3271910 2934240


mi&;ksx II [k 4285736 3271910

III- 'ks;j çhfe;evFk 'ks"k 13180418 13180418


tek% lkoZtfud fuxZe O;; -9862 0

mi&;ksx & III 19375543 13180418

IV- jktLo rFkk vU; vkjf{kr fuf/k;k¡ d½ lkekU; vkjf{krvFk 'ks"k 1089003 1089003


?kVk% o"kZ ds nkSjku dVkSfr;k¡ 0 0

mi&;ksx& IV- d 1089003 1089003

Punjab & Sind Bank

2017-18 201

(000'S OMITTED)

Rs. Rs.

SCHEDULE 1-CAPITAL AS ON 31.03.18[Audited]


Authorised Capital : I. 7500000 7500000

II. 22500000 22500000

30000000 30000000

Issued, Subscribed and Paid-up Capital:I.

5649123 4004110

II. 0 0TOTAL [I+II] 5649123 4004110

(000'S OMITTED)

Rs. Rs.

SCHEDULE 2 - RESERVES & SURPLUS AS ON 31.03.18[Audited]


I. Statutory Reserves Opening Balance 10836906 10331906

100000 505000Sub Total I 10936906 10836906

II. Capital Reserves:

Opening Balance 8733062 90213930 0

-262642 -288331Sub Total II.a 8470420 8733062b.Capital Reserve [Investments]Opening Balance 3271910 2934240

1013826 337670Sub-Total II.b 4285736 3271910

III. Share Premium:Opening Balance 13180418 13180418

6204987 0-9862 0

Sub-Total III 19375543 13180418IV. Revenue & Other Reserves

a). General ReservesOpening Balance 1089003 1089003

0 00 0

Sub-Total IV.a 1089003 1089003

iatkc ,.M fla/ cSad


[k½ jktLo vkjf{kr fuf/k %vFk'ks"k 105700 105700


mi&;ksx IV-[k 368342 105700

x½ fo'ks"k vkjf{kr /kkjk 36 ¼i½ ¼viii½ ds varxZrvFk'ks"k 1594015 870821


mi&;ksx IV x 1745082 1594015

?k½ vkjf{kr fuos'kvFk 'ks"k 36817 36817


mi&;ksx IV ?k 36817 36817V ykHk&gkfu [kkrs esa 'ks"k 9869878 18572748

dqy ;ksx ¼I&V½ 56177727 57420579

¼000 dks NksM+dj½

#i, #i,vuqlwph 3 & tek jkf'k;k¡ 31-3-2018 dh fLFkfr ds


d- I½ 1-½ d- ekax tek i½ cSadksa ls 600494 238202 ii½ vU; ls 38717131 44636014II- cpr cSad tek jkf'k;k¡ 201286643 190720973III- fe;knh tek i½ cSadksa ls 19798259 16183593 ii½ vU; ls 756859137 603622831tksM+ ¼I+II+III½ 1017261664 855401613

[k½ Hkkjr esa 'kk[kkvksa dh tekjkf'k;k¡ 1017261664 855401613

¼000 dks NksM+dj½ #i, #i,

vuqlwph 4 && m/kkj 31-3-2018 dh fLFkfr dsvuqlkj ¼ys[kk ijhf{kr½


I-½ Hkkjr esa m/kkji½ Hkkjrh; fjt+oZ cSad 7500000 0ii½ vU; cSad 0 0iii½ vU; laLFkku vkSj vfHkdj.k 2579849 12834377iv½ vfrfjDr Vh;j 1 ckWM 10000000 0v½ xkS.k _.k 16750000 16750000II-½ Hkkjr ls ckgj m/kkj 0 0

tksM+ ¼I+II½ 36829849 29584377mijksä tksM+ ¼I½ vkSj ¼II½ esa lfEefyr çfrHkwr m/kkj 10079836 2039430

Punjab & Sind Bank

2017-18 203

b). Revenue Reserve:Opening Balance 105700 105700

262642 0Sub-Total IV.b 368342 105700c). Special Reserve u/s 36(i) (viii):Opening Balance 1594015 870821

151067 723194Sub-Total IV.c 1745082 1594015d). Investment Reserve Opening Balance 36817 36817

0 0Sub-Total IV.d 36817 36817

V. 9869878 18572748Total [I to V] 56177727 57420579

(000'S OMITTED)

Rs. Rs.AS ON 31.03.18

[Audited]AS ON 31.03.17

[Audited]A I. Demand Deposits

i. From Banks 600494 238202ii. From others 38717131 44636014

II. Savings Bank Deposits 201286643 190720973III. Term Deposits

i. From Banks 19798259 16183593ii. From others 756859137 603622831

TOTAL [I+II+III] 1017261664 855401613B Deposits of branches in India 1017261664 855401613


SCHEDULE 4 - BORROWINGS AS ON 31.03.18[Audited]


I. Borrowings in Indiai) Reserve Bank of India 7500000 0

ii) Other Banks 0 02579849 12834377

10000000 0

v) Subordinated Debt 16750000 16750000

II. Borrowings outside India 0 0

TOTAL [I & II] 36829849 29584377

Secured borrowings Included in I & II above 10079836 2039430

iatkc ,.M fla/ cSad



vuqlwph 5 & vU; ns;rk,a vkSj çko/kku 31-3-2018 dh fLFkfr dsvuqlkj ¼ys[kk ijhf{kr½


I- ns; fcy 2039691 2317397

II- vardkZ;kZy; lek;kstu ¼fuoy½ 642934 451327

III- çksn~Hkwr C;kt 10380618 8357393

IV- vkLFkfxr dj ns;rk 0 0

VI- vU; ¼blesa çko/kku lfEefyr gSa½ 8610817 8897575

tksM+ 21674060 20023692

¼000 dks NksM+dj½

#i, #i,vuqlwph 6 & udnh vkSj Hkkjrh; fjt+oZ cSad ds ikl bfr'ks"k 31-3-2018 dh fLFkfr ds


I- gkFk esa udnh ¼blesa fons'kh djsalh uksV lfEefyr gSa½ 2679331 2524634

II- Hkkjrh; fjt+oZ cSad esa bfr'ks"k

i½ pkyw [kkrksa esa 39884514 35372138

ii½ vU; [kkrksa esa 20000000 5750000

tksM+ ¼ I rFkk II½ 62563845 43646772


vuqlwph 7 & cSadksa esa 'ks"k vkSj ekax rFkk vYi lwpuk ij çkI; /ku 31-3-2018 dh fLFkfr dsvuqlkj ¼ys[kk ijhf{kr½


I-½ Hkkjr esa i½ cSdksa esa 'ks"k d½ pkyw [kkrksa esa 309424 311185

[k½ vU; tek [kkrksa esa 0 0

ii½ ekax rFkk vYi lwpuk ij çkI; /ku d½ cSadksa ls 5000000 0

[k½ vU; laLFkkvksa ls 1940000 0

mi ;ksx& ¼I½ 7249424 311185

II-½ Hkkjr ds ckgj i½ pkyw [kkrksa esa 1513657 1939808

ii½ vU; tek [kkrksa esa 0 0

iii½ ekax vkSj vYi lwpuk ij çkI; /ku 0 0

mi&;ksx ¼II½ 1513657 1939808

tksM+ ¼I+II½ 8763081 2250993

Punjab & Sind Bank

2017-18 205


SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS AS ON 31.03.18[Audited]


2039691 2317397

642934 451327

III. Interest accrued 10380618 8357393

0 0

V. Others (including provisions) 8610817 8897575

TOTAL 21674060 20023692

(000'S OMITTED)

Rs. Rs.

SCHEDULE 6 - CASH & BALANCES WITH RESERVE BANK OF INDIA AS ON 31.03.18[Audited]


I. Cash in hand [including foreign currency notes] 2679331 2524634

II. Balances with Reserve Bank of India

i) in Current Account 39884514 35372138

ii) in Other Account 20000000 5750000

TOTAL [I & II] 62563845 43646772




I. In India

i) Balance with banks

a) in Current Accounts 309424 311185

b) in other Deposit Accounts 0 0

a) with banks 5000000 0

1940000 0

SUB-TOTAL [I] 7249424 311185

II. Outside India

i) In Current Accounts 1513657 1939808

ii) In Other Deposit Accounts 0 0

iii) 0 0

SUB-TOTAL [II] 1513657 1939808

TOTAL [I & II] 8763081 2250993

iatkc ,.M fla/ cSad



vuqlwph 8 & fuos'k 31-3-2018 dh fLFkfr dsvuqlkj ¼ys[kk ijhf{kr½


I-½ Hkkjr esa fuos'ki½ ljdkjh çfrHkwfr;k¡ ** 240234958 212710502

ii½ vU; vuqeksfnr çfrHkwfr;k¡ 106863 106863

iii½ 'ks;j 2789405 2310952

iv½ fMcSapj rFkk ckaM~l 63535283 60944401

v½ lgk;d bdkbZ;ka] rFkk la;qä miØe ,oa çk;ksftr laLFkku 6537 6537

vi½ vU;d½ okf.kfT;d i=@lhMh@çfrHkwfr jlhnsa@vkjvkbZMh,Q 23076728 3324660

[k½ ;w-Vh-vkbZ-ds ;wfuV] vU; E;qpqvy QaM 67798 81104

mi&;ksx ¼I½ 329817572 279485019

II- Hkkjr ls ckgj fuos'k 'kwU; 'kwU;

dqy ;ksx ¼I+II½ 329817572 279485019

dqy ewY; 331500340 279976079

ewY; ºkzl dk çko/kku ¼&½ 1682768 491060

fuoy fuos'k 329817572 279485019

** buesa :-1079-35 djksM+ dh HkkjxzLr çfrHkwfr;k¡ ¼vafdr ewY; :-1077-26 djksM+½ lfEefyr gSaA fiNys o"kZ ;g :-1202-51 djksM+ ¼vafdrewY; :-1413-34 djksM+½ FkhA

¼000 dks NksM+dj½

#i, #i,vuqlwph 9 & vfxze 31-3-2018 dh fLFkfr ds


d½ i½ Ø; fd, x, rFkk Hkquk, x, fcy 3835201 3744960

ii½ udnh m/kkj] vf/kfod"kZ vkSj ekax ij çfrns; m/kkj 253231341 192694025

iii½ eh;knh _.k 408627927 386906349

tksM+ 665694469 583345334

[k½ i½ ewrZ vkfLr;ksa }kjk çfrHkwr¼cgh _.k ds ,ot+ vfxze lfgr½

555468985 515478652

ii½ cSad@ljdkjh çfrHkwfr;ksa }kjk lajf{kr 56518459 18279956

iii½ çfrHkwfr jfgr 53707025 49586726

tksM+ 665694469 583345334

x½ Hkkjr esa vfxze

i½ çkFkfedrk {ks= 240540521 213093499

ii½ lkoZtfud {ks= 124679101 70177428

iii½ cSad 23004084 517604

iv½ vU; 277470763 299556803

tksM+ 665694469 583345334

Punjab & Sind Bank

2017-18 207


SCHEDULE 8 - INVESTMENTS AS ON 31.03.18[Audited]


I. Investments in India in

** 240234958 212710502

106863 106863

iii) Shares 2789405 2310952

iv) Debentures & Bonds 63535283 60944401

6537 6537

vi) Others:

23076728 3324660

b) Units of UTI, other MF 67798 81104

SUB-TOTAL [I] 329817572 279485019

II. Investments outside India

TOTAL [I + II] 329817572 279485019

Gross Value 331500340 279976079

1682768 491060

Net Investments 329817572 279485019

Rs.1413.34 crore]

(000'S OMITTED)

Rs. Rs.



A i) Bills purchased & discounted 3835201 3744960

253231341 192694025

408627927 386906349

Total 665694469 583345334

B i) Secured by tangible assets(includes advances against Book Debt)

555468985 515478652

56518459 18279956

iii) Unsecured 53707025 49586726

Total 665694469 583345334

C ADVANCES IN INDIA

240540521 213093499

124679101 70177428

iii) Banks 23004084 517604

iv) Others 277470763 299556803

Total 665694469 583345334

iatkc ,.M fla/ cSad


¼000 dks NksM+dj½

#i, #i,vuqlwph 10 & LFkk;h vkfLr;k¡ 31-3-2018 dh fLFkfr ds


1-½ ifjlj ifjlj dk ewY; ¼vFk 'ks"k½ 1156018 1154799

iquewZY;u ds nkSjku ykxr esa ifjo/kZu 9190459 9190459

mi& ;ksx 10346477 10345258

o"kZ ds nkSjku ifjo/kZu okLrfod ykxr 70311 1219

iquewZY;u ykxr ij 0 0

o"kZ ds nkSjku dVkSfr;k¡okLrfod ykxr ij 0 0

iquewZY;u ykxr ij 0 0

?kVk,a& v|frr fnukad dks ewY;ºkzlokLrfod ykxr ij -403463 -346529

iquewZY;u ykxr ij -720037 -457395

tksM+ I 9293288 9542553

2-½ vU; LFkk;h vkfLr;k¡¼blesa QuhZpj vkSj tqM+ukj lfEefyr gSa½ ewY; ¼vFk 'ks"k½ 4427825 4139992

o"kZ ds nkSjku ifjo/kZu 447987 344040

o"kZ ds nkSjku dVkSfr;k¡ -36375 -56207

v|ru ewY;ºkzl -3306740 -3016091

tksM+ 2 1532697 1411734

dqy tksM+ ¼1+2½ 10825985 10954287


vuqlwph 11 & vU; vkfLr;k¡ 31-3-2018 dh fLFkfr dsvuqlkj ¼ys[kk ijhf{kr½


I- çksn~Hkwr C;kt 6882186 4732624

II- vfxze :i ls lanÙk@lzksr ij dkVk x;k dj 834783 600630

III ys[ku lkexzh vkSj LVkEi 40435 37290

IV- nkoksa dh larqf"V esa çkIr dh xbZ xSj cSaddkjh vkfLr;k¡ 0 0

V- varj&dk;kZy; lek;kstu ¼fuoy½ 5933319 2225706

VI- vU; $$ 46236748 39155716

tksM+ 59927471 46751966

$$ vkj-vkbZ-Mh-,Q- ds varxZr ukckMZ ds lkFk la;qä :i ls tek jkf'k #- 3557-97 djksM+ ¼fiNys o"kZ ;g #-2797-69 djksM+ Fkh½ lfEefyr gSA

Punjab & Sind Bank

2017-18 209

(000'S OMITTED)

Rs. Rs.

SCHEDULE 10 - FIXED ASSETS AS ON 31.03.18[Audited]


Cost [Opening Balance] 1156018 1154799

9190459 9190459

Sub-Total 10346477 10345258

Original Cost 70311 1219

0 0

Original Cost 0 0

0 0

Original cost -403463 -346529

-720037 -457395

Total-I 9293288 9542553

II. Other Fixed Assets(including Furniture & Fixtures)

Cost [Opening Balance] 4427825 4139992

447987 344040

-36375 -56207

-3306740 -3016091

Total II 1532697 1411734

TOTAL I & II 10825985 10954287




I. Interest accrued 6882186 4732624

834783 600630

40435 37290

0 0

V. Deferred Tax asset (Net) 5933319 2225706

VI. Others $$ 46236748 39155716

TOTAL 59927471 46751966

iatkc ,.M fla/ cSad



vuqlwph& 12 & vkdfLed ns;rk,a 31-3-2018 dh fLFkfr dsvuqlkj ¼ys[kk ijhf{kr½


I- cSad fo#} ,sls nkos ftUgsa _.k ds :i esa Lohdkj ugha fd;k x;k gS 68790 107686

II- va'kr% çnÙk fuos'kksa ds fy, ns;rk 0 0

III- cdk;k ok;nk fons'kh fofue; lafonkvksa ds fy, ns;rk 31889962 69492966

IV la?kVdksa dh vksj ls nh xbZ çfrHkwfr;k¡ d½ Hkkjr esa 27295455 24980662

[k½ Hkkjr ds ckgjV- Loh—fr;k¡] i`"Bkadu rFkk vU; ck/;rk,a 1691231 1866905

VI vU; ensa] ftuds fy, cSad vkdfLed :i ls mÙkjnk;h gS 848554 848554

tksM+ 61793992 97296773


vuqlwph 13 & vftZr C;kt 31-3-2018 dks lekIro"kZ ¼ys[kk ijhf{kr½

31-3-2017 dks lekIro"kZ ¼ys[kk ijhf{kr½

I- C;kt@vfxzeksa ij fefrdkVk@fcy 52315249 56814951

II- fuos'kksa ij vk; 24508344 22555907

III- Hkkjrh; fjt+oZ cSad ds vfr'ks"kksa vkSj vU; vUrj cSad fuf/k;ksa ij C;kt 1170404 437301

IV vU; 1493536 1920560

tksM+ 79487533 81728719


vuqlwph 14 & vU; vk; 31-3-2018 dks lekIro"kZ ¼ys[kk ijhf{kr½


I deh'ku] fofue; vkSj nykyh 834725 898565

II fuos'kksa ds foØ; ij ykHk ¼fuoy½ 2595223 2619745

III Hkwfe] Hkou rFkk vkfLr;ksa ds foØ; ij ykHk ¼fuoy½ -1119 -1860

IV fofue; ysu&nsu ij ykHk ¼fuoy½ 258888 325636

V- fofo/k vk; 2124288 1938896

tksM+ 5812005 5780982


vuqlwph 15 & vifpr C;kt 31-3-2018 dks lekIro"kZ ¼ys[kk ijhf{kr½


I tekjkf'k;ksa ij C;kt 54123415 58214711

II Hkkjrh; fjt+oZ cSad@varj cSad m/kkjksa ij C;kt 421760 517674

III vU; 2590391 1402991

tksM+ 57135566 60135376

Punjab & Sind Bank

2017-18 211


SCHEDULE 12 - CONTINGENT LIABILITIES AS ON 31.03.18[Audited]


I. Claims against the bank not acknowledged as debts 68790 107686

0 0

31889962 69492966

a) In India 27295455 24980662

b) Outside India1691231 1866905

848554 848554

TOTAL 61793992 97296773


SCHEDULE 13 - INTEREST EARNED Year Ended 31.03.18[Audited]

Year Ended 31.03.17[Audited]

52315249 56814951

II. Income on investments 24508344 22555907

III. Interest on balances with Reserve Bank of India and other inter-bank funds 1170404 437301

IV. Others 1493536 1920560

TOTAL 79487533 81728719


SCHEDULE 14 - OTHER INCOME Year Ended 31.03.18[Audited]


I. Commission, exchange and brokerage 834725 8985652595223 2619745

-1119 -1860258888 325636

V. Miscellaneous Income 2124288 1938896

TOTAL 5812005 5780982




I. Interest on deposits 54123415 58214711421760 517674

III. Others 2590391 1402991

TOTAL 57135566 60135376

iatkc ,.M fla/ cSad



vuqlwph 16 & ifjpkyau O;; 31-3-2018 dks lekIro"kZ ¼ys[kk ijhf{kr½


I deZpkfj;ksa dks Hkqxrku vkSj çko/kku 11230044 9901435

II fdjk;k] dj vkSj jks'kuh 1279385 1320205

III eqæ.k ,oa ys[ku lkexzh 86465 76218

IV foKkiu vkSj çpkj 15740 14843

V cSad dh lEifr ij ewY;ºkzl 641058 712925

?kVk % iquewZY;u vkjf{kr fuf/k ls varj.k 0 288331

641058 424594

VI funs'kdksa dk 'kqYd] HkÙks vkSj O;; 2740 3072

VII ys[kk ijh{kdksa dh Qhl vkSj O;;¼blesa 'kk[kk ys[kk ijh{kdksa dh Qhl vkSj O;; 'kkfey gSa½

119806 102987

VIII fof/k çHkkj 102833 118386

IX Mkd [kpZ] rkj vkSj VsyhQksu vkfn 95682 100843

X ejEer vkSj vuqj{k.k 154101 131711

XI chek 846272 863652

XII vU; O;; 2142710 1897601

tksM+ 16716836 14955547

Punjab & Sind Bank

2017-18 213


SCHEDULE 16 - OPERATING EXPENSES Year Ended 31.03.18[Audited]


11230044 9901435

1279385 1320205

86465 76218

15740 14843

641058 712925

0 288331

641058 424594

VI. Directors' fees, allowances and expenses 2740 3072

VII. Auditors' fees and expenses (including branch auditors' fee & expenses) 119806 102987

102833 118386

95682 100843

X. Repairs & maintenance 154101 131711

XI. Insurance 846272 863652

XII. Other expenditure 2142710 1897601

TOTAL 16716836 14955547

iatkc ,.M fla/ cSad


vuqlwph & 17

çeq[k ys[kk uhfr;ka

1- lkekU;

ewy&Hkwr vk/kkj

foÙkh; fooj.kksa dks ys[kk mip; vk/kkj ij ,sfrgkfld ykxr ijaijk tgk¡ vU;Fkk Li"V u fd;k x;k gks ,oa lkekU; :i ls Loh—rys[kk fl)krksa] cSaddkjh fofu;eu vf/kfu;e] 1949 ds varxZr fu/kkZfjr lkafof/kd vko';drkvksa] Hkkjrh; fjtoZ cSad }kjk le;≤ij tkjh ifji=ksa ,oa fn'kk&funsZ'kksa rFkk daifu;ksa }kjk vf/klwfpr ys[kk ekudksa ¼ys[kk ekinaMksa½ fu;eksa] 2006 Hkkjr esa cSafdax m|ksxesa ykxw vkSj orZeku dk;Zdykiksa ds vk/kkj ij rS;kj ,oa çLrqr fd;k x;k gSA

çkdYyu dk mi;ksx

çca/ku dks fjiksVZ dh xbZ fopkjk/khu vkfLr;ksa ,oa ns;rkvksa ¼vkdfLed ns;rkvksa lfgr½ dh jkf'k vkSj fjiksVZ dh vof/k esa fjiksVZ fd,x, vk; rFkk O;; vkSj foÙkh; foojf.k;ksa dh frfFk ds vuqlkj] dks cukus esa vuqeku vkSj dYiuk djuh iM+rh gSA çca/ku fo'okldjrk gS fd foÙkh; foojf.k;ksa dks cukus esa fd, x, vuqeku foosdiw.kZ rFkk mfpr gSaA

2- fons'kh eqæk ysu&nsu

2-1 fons'kh eqækvksa okyh leLr ekSfæd vkfLr;ksa rFkk ns;rkvksa dk Hkkjrh; #i;s esa ifjorZu rqyu&i= dh fnukad dks ykxw fofue; njksaij fd;k x;k gS] ftUgsa Hkkjrh; fons'kh fofue; O;kikjh la?k ¼QSMkbZ½ }kjk vf/klwfpr fd;k x;k FkkA blds ykHk&gkfu dh x.kuk ykHk&gkfu [kkrs esa dh xbZ gSA

2-2 cdk;k fons'kh eqæk lkSns dks lkSns dh frfFk dks çpfyr fofue; nj ds vuqlkj fd;k x;k gSA ,sls lkSnksa esa ykHk ;k gkfu dhlax.kuk QSMkbZ ds }kjk nh xbZ njksa ij rFkk QSMkbZ ds fn'kk&funsZ'kksa rFkk ,-,l- 11 ds iSjk 38 d s çko/kkuksa ds vuqlkj dh xbZ gSA

2-3 fons'kh fofue; ysu&nsu ls lacaf/kr vk; ,oa O;; enksa dks dkjksckj ds fnu ykxw fofue; njksa ij ifjofrZr fd;k x;k gSA

2-4 Loh—fr] i`"Bkadu rFkk vU; nkf;Roksa ij vkdfLed ns;rk,a] fons'kh eqæk xkjaVh ,oa lk[k&i= dk ewY;kadu QSMkbZ }kjk okf"kZd laoj.kdh fnukad dks tkjh njksa ij fd;k x;k gS tcfd lekgj.k ds fy, fcyksa dks çLrqfrdj.k ds le; vuqekfur njksa ij ys[kkc) fd;k x;k gSA

3- fuos'k

3-1 fuos'k ls lacaf/kr oxhZdj.k rFkk ewY;kadu dks Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr foosd'khy ekunaMksa ds vuq:i fd;k x;k gS tksfdHkkjrh; fjtoZ cSad }kjk fn, x, Li"Vhdj.kksa@fn'kk&funsZ'kksa ds vuq:i gSA

3-2 leLr fuos'k lafoHkkx dks rhu Hkkxksa esa oxhZ—r fd;k x;k gS tSls îfjiDork rd j[kuk* ^fcØh ds fy, miyC/k* rFkk ^Ô;kikj gsrqj[kuk** tksfd Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa@funsZ'kksa ds vuq:i gSA bu rhuksa oxksaZ ds varxZr fuos'kksa dk çdVhdj.k fuEukafdrNg oxhZdj.kksa ds vuq:i fd;k x;k gS%

I. ljdkjh çfrHkwfr;ka

II. vU; vuqeksfnr çfrHkwfr;ka

III. 'ks;j ¼va'k½

IV. _.k&i= ¼fMcsUplZ½ rFkk c‚.M

V. lgk;d bZdkb;ka@la;qä miØe rFkk

VI. vU;

Punjab & Sind Bank

2017-18 215

SCHEDULE 17SIGNIFICANT ACCOUNTING POLICIES1. GENERAL

BASIS OF PREPARATION

Banking Industry in India.

USE OF ESTIMATES

loss on such contracts is accounted for as per rates advised by FEDAI and in accordance with FEDAI guidelines and provisions of para 38 of AS-11.

3. Investments

i.

ii.

iii. Shares

iv. Debentures

v.

vi. Others

iatkc ,.M fla/ cSad


3-3 oxhZdj.k dk vk/kkj

I. ,sls fuos'k ftUgsa cSad ifjiDork rd j[kus dk bjknk j[krk gks] mUgsaa îfjiDork rd j[kuk* ds :i esa oxhZ—r fd;k x;k gSA

II. ,sls fuos'k ftUgsa [kjhnus dh rkjh[k ls 90 fnuksa ds Hkhrj lS)kafrd :i ls iqu% foØ; ds fy, j[kk gks] mUgsa Ô;kaikj ds fy,j[kus* ds :i esa oxhZ—r fd;k x;k gSA

III. ,sls fuos'k tks mä nksuksa Jsf.k;ksa esa oxhZ—r ugha gksa] mUkdks ^^foØ; ds fy, miyC/k** ds :i esa oxhZ—r fd;k x;k gSA

IV. fuos'kksa dks Ø; djrs le; mä rhuksa Jsf.k;ksa esa oxhZ—r fd;k tkrk gSA ,d oxZ ls nwljs oxZ esa çfrHkwfr;ksa dk varj.k lkekU;r%cksMZ ds vuqeksnu ls o"kZ esa ,d ckj fd;k tkrk gSA varj.k dh frfFk dks vf/kxzg.k ykxr ls de ewY;@cghewY;@cktkj ewY;ij varfjr fd;k x;k gS rFkk bl çdkj ds varj.k ij ewY; ºzkl ij çko/kku iw.kZr;k fd;k x;k gS vkSj çfrHkwfr;ksa ds vafdrewY;ksa esa rnuqlkj ifjorZu fd;k x;k gSA

3-4 çfrHkwfr;ka] ftUgsa ^îfjiDork rd j[kuk gS** dks vf/kxzg.k ykxr ewY; ij fy;k x;k gSA ;fn ykxr ewY; vafdr ewY; ls vf/kdgS rks çhfe;e Lor% ifjiDork dh 'ks"k vof/k ds Hkhrj ifj'kks/kuh; gSA ,sls ifj'kks/ku dks vuqlwph 13 en II esa ^^fuos'kksa ij vk;** 'kh"kZ ds varxZr n'kkZ;k x;k gSA tgk¡ ykxr ewY; çfrnku ewY; ls de gS] ogk¡ varj olwyh ;ksX; u gksus ds dkj.k bl vk; dks ugha fy;k x;k gSA lgk;d bZdkb;k¡ rFkk la;qä miØe ds fuos'k ds ewY; esa vLFkk;h rkSj ij vkbZ deh ds fy, çR;sd fuos'k gsrq vyx&vyx fy;k x;k gSA

3-5 ^^fcØh gsrq miyC/k** [kkrs ds varxZr çfrHkwfr;ksa dk ewY;kadu fLØi&okj fd;k x;k gS rFkk ºzkl@o`f) dks Js.kh okj i`Fkd fd;kx;k gSA 'kq) o`f) dks 'kkfey ugha fd;k x;k gS tcfd çR;sd Js.kh esa 'kq) ºzkl dk çko/kku fd;k x;k gSA

3-6 ^Ô;kikj gsrq j[kh xbZ çfrHkwfr;ksa** dk ewY;kadu cktkj ewY; ij fd;k x;k gS ,oa çR;sd oxZ esa 'kq) ewY;&àkl dks yxk;k x;k gSrFkk 'kq) o`f)] ;fn dksbZ gS] dks 'kkfey ugha fd;k x;k gSA

3-7 fuos'kksa dh ykxr oxZ ds vuq:i Hkkfjr vkSlru ykxr fof/k ij vk/kkfjr gSA

3-8 ys[kk i)fr & ys[kk fuiVku frfFk

ys[kk fuiVku frfFk dk vfHkçk; ¼d½ laLFkk }kjk çkIr dh xbZ vkfLr ftl fnu bldh igpku gqbZ] vkSj ¼[k½ laLFkk }kjk blds fuLrkj.k fd, tkus okys fnu ij gksus okys ykHk vFkok gkfu dh igpku djuk vkSj vkfLr dh igpku lekIr djukA

rnuqlkj] laiw.kZ lafoHkkx ds fy, cSad ys[kk fuiVku frfFk dk] ,l-,y-vkj- vFkok xSj ,l-,y-vkj- gsrq vuqikyu djrk gSA fuos'k dh ykxr Hkkfjr vkSlr ykxr i)fr oxZ ds vuqlkj vk/kkfjr gSA

3-9 ^^fcØh gsrq miyC/k** ,oa Ô;kikj gsrq j[kh xbZ çfrHkwfr* Js.kh ds vUrxZr çfrHkwfr;ksa ds fuos'k ewY; dks"k ^^cktkj nj** fu/kkZj.k gsrqLV‚d ,Dlpsatksa ij fn, x, Hkko njksa ds vuq:i Hkkjrh; fjtoZ cSad dh ewY; lwph] çkbejh MhylZ ,lksfl,'ku v‚Q bafM;k ¼ih-Mh-,-vkbZ½ dh fQDlM bUde euh ekfdZV ,aM MsfjosfVo ,lksfl,'ku v‚Q bafM;k ¼fQEMk½ ds lkFk la;qä :i ls fu/kkZfjr fd, x, ewY;ksa ds vuq:i fd;k x;k gSA

voxhZ—r fuos'kksa ds laca/k esa viukbZ xbZ çfØ;k fuEu gS%

d- Hkkjr ljdkj dh çfrHkwfr;ka fQEMk@ihMh,vkbZ }kjk nh xbZ njksa ijA[k- jkT; ljdkj _.k] vU; vuqeksfnr

çfrHkwfr;ka] vf/keku 'ks;jksa] _.k&i=ksa rFkk ih-,l-;w ck.M~l ij ykHk%

fQEMk@ihMh,vkbZ }kjk nh xbZ njksa ds vuq:i ifjiDork ds vk/kkj ij tksfd ihMh,vkbZ@fQEMk ,oa Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr fd, x, gSaA

x- bZfDoVh 'ks;j% uohure rqyu&i= ij vk/kkfjr czsd&vi ewY; vk/kkj ij tks fd ewY;kadu dh frfFk ij ,d o"kZ ls iqjkuh ugha gSA ,sls çdj.kksa esa tgk¡ ij uohure rqyu&i= miyC/k ugha gS 'ks;jksa dk ewY; 1@& :i;s çfr dEiuh ekuk x;k gSA

?k- E;wpqvy QaM ;wfuV~l % iqu% Ø; ewY; ij ;k 'kq) vkfLr ewY; ijAM- Vªstjh fcy] okf.kfT;d i=] tek çek.k&i=]

iqu% iw¡thxr ckaM~l] lgk;d la;qä miØe rFkk çk;ksftr laLFkku%

'kq) ykxr ijA

Punjab & Sind Bank

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3.3 :

i.

ii.Trading.

iii.

iv.

provided for each investment individually

3.7 Cost of investment is based on the weighted average cost method category wise.

3.8

based on the weighted average cost method category wise.

a.

b.

c.at fair value based on the latest Balance Sheet, which are not older

Sheets are not available, the shares are valued at Re.1 per companyd. Mutual Fund Units: At re-purchase price or Net Assets Valuee. Treasury Bills, Cash Management Bill, At carrying cost.

iatkc ,.M fla/ cSad


3-10 fuos'kksa ds vf/kxzg.k ewY; dk fu/kkZj.k%

d- vfHknku ds le; çkIr çksRlkgu dks çfrHkwfr;ksa dh ykxr ls ?kVk;k x;k gSA

[k- çfrHkwfr;ksa ds vf/kxzg.k ij O;; dh xbZ nykyh@deh'ku@LVkai MîwVh dks jktLo O;; esa fy;k x;k gSA

x- fuos'kksa ds vf/kxzg.k ij fn, [kafMr vof/k ds çnÙk C;kt dks] ;fn dksbZ gks] ykHk&gkfu [kkrs ds ukes Mkyk x;k gSA çfrHkwfr;ksadh fcØh ij çkIr [kafMr vof/k ds C;kt dks C;kt vk; ekuk x;k gSA

3-11 fuos'kksa dh fcØh ls ykHk&gkfu dks ykHk ,oa gkfu [kkrs esa fy;k x;k gSA fQj Hkh] ^îfjiDork rd j[kuk** Js.kh esa fuos'kksa dh fcØhls vk; ij ykHk dh fLFkfr esa blds lerqY; ykHk jkf'k dks vkjf{kr iwath esa fofu;ksftr fd;k x;k gSA

3-12 vutZd fuos'k%

xSj&fu"ikfnr çfrHkwfr;ksa ds laca/k esa vk; dh igpku ugha dh xbZ gS rFkk ,slh çfrHkwfr;ksa ds ewY; esa Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kkuqlkj ewY;&àkl ds fy, mi;qä çko/kku fd;s x;s gSaA

3-13 'ks;jksa rFkk E;wpqvy QaM ij ykHkka'k vk; çkfIr ds vk/kkj ij vk; dh x.kuk dh tkrh gSA

3-14 ;fn fdlh ekeys esa] ^,,Q,l* vkSj ^,p,QVh* Jsf.k;ksa ij fdlh Hkh o"kZ esa ewY;&àkl ds dkj.k fd, x, çko/kku vko';d jkf'k lsvf/kd ik;k tkrk gS rks vfrfjä jkf'k dks ykHk ,oa gkfu [kkrsa esa tek dj fn;k tkrk gS vkSj mlds leku jkf'k dks vuqlwph 2 esa fuos'k vkjf{kr [kkrsa & ÞjktLo ,oa vU; vkjf{kfr;kaß ds 'kh"kZ ds varxZr Þvkjf{kr vkSj vf/k'ks"kß esa lek;ksftr dj fn;k tkrk gSA

4- vfxze

4-1 Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr foosdiw.kZ ekunaMksa ds vuqlkj vfxzeksa dk oxhZdj.k fu"iknd rFkk xSj&fu"iknd vkfLr;ksa esa fd;k x;kgSA cSad us xSj&fu"iknd vkfLr;ksa ij Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr foosdiw.kZ ekunaMksa ds vuqlkj fuEu çdkj çko/kku fd;k gS%

vkfLr;ksa dh Js.kh çko/kku ekunaMvoekud vkjf{kr _.kksa ij 15%

* xSj&vkjf{kr _.kksa dk 25%* xSj&vkjf{kr _.kksa dk 20%vk/kkjHkwr [kkrksa ds laca/k esa] tgk¡ fuf'pr laj{k.k tSls fd fuyac [kkrs miyC/k gSa

lafnX/k&I tekurh _.k ij 25%xSj&tekurh _.k ij 100%

lafnX/k&II tekurh _.k ij 40%xSj&tekurh _.k ij 100%

lafnX/k&III tekurh _.k ij 100%xSj&tekurh _.k ij 100%

gkfu cgh cdk;k dk 100%

* xSj&tekurh _.kksa dks ,sls _.k ds :i esa ifjHkkf"kr fd;k x;k gS tgk¡ cSad }kjk@vuqeksfnr ewY;kadu@Hkkjrh; fjtoZ cSad dsfujh{k.k vf/kdkfj;ksa }kjk vkjaHk ls gh çfrHkwfr dk ewY;] _.k ds 10 çfr'kr ls vf/kd ugha gS vFkkZr cdk;k tksf[keA

4-2 vfxzeksa dks xSj&ekU;rk 'kq) C;kt ij of.kZr fd;k x;k gS rFkk vuqç;ksT; vfxzeksa ij çko/kku@rduhdh cês [kkrs ds vk/kkj ijfd;k x;k gSA Mh-vkbZ-lh-th-lh@bZ-lh-th-lh- ls çkIr nkoksa dks muds lek;kstu@rduhdh :i ls cês [kkrs Mkyus rd bl çdkj ds vfxzeksa esa ls de ugha fd;k x;k gSA tcfd ,uih, [kkrksa esa vkaf'kd olwyh dks vfxzeksa esa ls ?kVk;k x;k gSA

4-3 ekud vfxzeksa ij çko/kku fd;k x;k gS rFkk mUgsa Hkkjrh; fjtoZ cSad ds fn'kk-funsZ'kksa ds vuqlkj ^vU; nkf;Roksa rFkk çko/kku* 'kh"kZds varxZr j[kk x;k gSA

4-4 vfxzeksa dh Hkqxrku vuqlwph iqu% cukus@iqu% fu/kkZfjr djus gsrq Hkkjrh; fjtpZ cSad ds fn'kk&funsZ'kkuqlkj çko/kku fd;k x;k gSA

4-5 Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr fn'kk&funsZ'kksa ds vuqlkj vutZd [kkrksa dh fcØh dh tkrh gS%&

i½ tc cSad çfrHkwrhdj.k daiuh ¼,llh½@iqulZjpuk daiuh ¼vkjlh½ dks viuh foÙkh; vkfLr;ka csprk gS rks bldks cfg;ksa ls gVk fn;k tkrk gSA

Punjab & Sind Bank

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a.

b.

c.

3.12 Non Performing Investments

3.13 Dividend Income on shares and units of mutual funds is booked on receipt basis.

4. Advances

4.1

prescribed by the RBI as under:

Category of Assets Provision normsSub-Standard 15% on Secured Exposure.

25% on Unsecured Exposure*

20% on Unsecured Exposure*

in respect of Infrastructure loan accounts where certain safeguards such as escrow accounts are available25% on Secured

100% on Unsecured40% on Secured

100% on Unsecured100% on Secured

100% on Unsecured100% of Book Outstanding

removed from the books.

iatkc ,.M fla/ cSad


ii½ ;fn fcØh dk ewY; dqy cgh ewY; ¼,uchoh½ ¼vFkkZr cgh ewY; esa de çko/kku gS½ ls de gS rks bl deh dks fcØh fd, o"kZ ds ykHk ,oa gkfu [kkrs dks MsfcV fd;k tkrk gSA

iii½ ;fn fcØh dk ewY; dqy cgh ewY;¼,uchoh½ ls vf/kd gS rks vfrfjä çko/kku dks ml o"kZ esa çR;kofrZr dj fn;k tkrk gS ftlesa ;g jkf'k çkIr gqbZ FkhA

5- vLFkkbZ çko/kku

Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa ds vuq:i] cSad ds ikl vfxzeksa ,oa fuos'kksa gsrq vLFkkbZ çko/kkuksa dks vyx ls fuekZ.k vkSj mi;ksxdjus ds fy, ,d vuqeksfnr uhfr gSA çR;sd foÙkh; o"kZ dh lekfIr ij] cuk, tkus okys vLFkkbZ çko/kkuksa dk vkadyu fd;k tk,xkAHkkjrh; fjtoZ cSad dh iwoZ vuqefr ls] vLFkkbZ çko/kkuksa dk mi;ksx fo'ks"k ifjfLFkfr;ksa esa vkdfLedrkvksa gsrq fd;k tk,xkA

6- vpy vkfLr;ka

6-1 ifjlj rFkk vU; vpy vkfLr;ksa dks ijEijkxr ykxr iwuewZY;u [kkrksa esa fy;k x;k gSA ifjlj ftuesa Hkwfe rFkk Åijh Hkkx esa vUrjfd;k tkuk lEHko ugha Fkk] Åijh Hkkx ds ewY; esa o`f) dks 'kkfey fd;k x;k gSA

6-2 LFkkbZ iês ij fy;s x, ifjljksa dks iw.kZ LokfeRo okyk ifjlj ekuk x;k gS vkSj ifj'kksf/kr ugha fd;k x;k gSA

7- vpy vkfLr;ksa ij ewY;&àkl%

7-1 ewY;&àkl fuEukuqlkj yxk;k x;k gS%

7-1-1 daI;wVj ij lh/kh dVkSrh ç.kkyh ds vuqlkj 33-33% ifjo/kZu ij iwjs o"kZ dk ewY;&àkl yxk;k x;k gS pkgs Hkkjrh; fjtoZ cSad dsfn'kk&fuZns'kksa ds vuqlkj ifjo/kZu dh tks Hkh frfFk gksA

7-1-2 vk;dj vf/kfu;e] 1961 }kjk fu/kkZfjr njksa ds vuqlkj vU; vpy vkfLr;ksa ij ewY;&àkl ?kVrh dher i)fr ij yxk;k x;k gSA30 flrEcj ls iwoZ gksus okys ifjo/kZu ij iwjs o"kZ dk ewY;&àkl yxk;k x;k gS rFkk blds i'pkr gksus okys ifjo/kZu ij vk/ks o"kZ dk ewY;&àkl yxk;k x;k gSA

7-1-3 tgk¡ dgha Hkou ds Åijh Hkkx ls 'ks"k Hkwfe dk ewY; i`Fkd djuk laHko ugha Fkk] ogk¡ ifjljksa dk ewY; lfEefJr ewY; ij fy;k x;kgSA

7-2 o"kZ ds nkSjku csph xbZ@fuiVkbZ xbZ vkfLr;ksa ij dksbZ çko/kku ugha fd;k x;k gSA

7-3 vkfLr;ksa esa gksus okys iquewZY;u ds ewY;&àkl ds cjkcj dh jkf'k dks iquewZY;u lap;h [kkrs ls ykHk&gkfu [kkrs ls olwyk x;k gSvkSj iqueqZY;u vkjf{kr [kkrs ls jktLo vkjf{kr [kkrs esa lerqY; jkf'k dks varfjr dj fn;k x;k gSA

8- jktLo igpku

8-1 tgk¡ vU;Fkk of.kZr u gks] vk; vkSj O;; dks mip; vk/kkj ij fy;k x;k gSA

8-2 Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr foosdiw.kZ ekun.Mksa ds vuqikyu esa vuqç;ksT; vkfLr;ksa ij gksus okyh vk; dk ewY;kadu olwyhvk/kkj ij fd;k x;k gSA

8-3 vuqç;ksT; [kkrksa esa vkaf'kd olwyh ls igys ewy jkf'k rFkk mlds i'pkr C;kt dks lek;ksftr fd;k x;k gSA

8-4 Hkk-fj- cSad }kjk 'kq# dh xbZ fo'ks"k ;kstukvksa ds varxZr lfEefyr fd, x, ekeyksa gsrq vFkkZr~ ncko esa vkfLr;ksa dh /kkj.kh; Hkqxrkudh vuqlwph iqu% cukus dh ;kstuk ¼,l4,½] uhfrxr _.k iqu%lajpuk] yach vof/k ds ifj;kstuk _.kksa dh yphyh lajpuk ¼5@25½] m/kkj ysus okyh laLFkkvksa ds LokfeRo esa ifjorZu ¼uhfrxr _.k iqu%lajpuk ;kstuk ds ckgj½] tgk¡ mlds ckn [kkrk vutZd gks tkrk gS] rks fdlh Hkh olwyh dks igys _.k ,oa vfxzeksa ij C;kt esa tek fd;k tk,xkA mlds ckn olwyh dks [kkrs esa cdk;k ewy /ku esa lek;ksftr fd;k tk,xkA mä ;kstukvksa ds varxZr vk jgs lHkh [kkrksa esa ys[kk çfØ;k ,d leku ,d lh cuh jgsxhA

8-5 xkjafV;ksa rFkk tkjh lk[k&i=ksa ls vk;] y‚dj fdjk;k] epsaZV cSafdax] ysu&nsu ls vk;] eqæk&varj.k lsok] va'kksa ij ykHkka'k] vk;djdh okilh ij C;kt] ØsfMV dkMZ deh'ku] vfrns; fcyksa ij C;kt] çkslsflax Qhl] ljdkjh ysu&nsu ftlesa isa'ku ds laforj.k] E;wpqvy Q.M mRikn ds ;wfuVksa dh vk; rFkk ,-Vh-,e- ifjpkyu 'kkfey gS] dh lax.kuk dks çkfIr vk/kkj ij fy;k x;k gSA

8-6 _.k [kkrksa ds iw.kZ :i ls lek;ksftr gksus ij [kkrksa ds lek/kku ij nh xbZ NwV dks [kkrksa esa fy;k x;k gSA

8-7 vfrns; lkof/k tek jkf'k;ksa ij C;kt dh x.kuk cpr cSad tek [kkrs ij ykxw C;kt nj ij dh xbZ gSA

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iii). If the sale is for a value higher than the NBV, the excess provision is reversed in the year the amounts are received.

5

6 Fixed Assets

not possible between land and superstructure, are considered in the value of superstructure.

as per RBI guidelines.

7.1.3 Cost of premises is taken composite, wherever it is not possible to segregate the cost of land from the cost of the superstructure.

8.1 Income and expenditure are accounted for on accrual basis unless otherwise stated.

Reserve Bank of India.

schemes.

services, dividend on shares, Interest on refund of income tax, commission on credit card, interest on overdue bills, processing

8.7 Interest on overdue Term Deposits is provided at the rate of interest applicable to Savings Bank Deposits.

iatkc ,.M fla/ cSad


8-8 iêk djkj ds uohdj.k ij o`f)'khy iêk fdjk, ds laca/k esa ns;rk dh x.kuk iês ds uohdj.k ds le; dh xbZ gSA

8-9 Vh;j & II iw¡th esa mUU;u ds dkj.k ckaM tkjh djus laca/kh O;;ksa dks vkLFkfxr jktLo O;; ekuk x;k gS ftUgsa ik¡p o"kZ dh vof/kesa cês [kkrs Mkyk tkuk gSA

8-10 'ks;j fuxZe O;;ksa dks 'ks;j çhfe;e [kkrs ls lek;ksftr fd;k x;k gSA

9- deZpkjh lsok fuo`fÙk ykHk

9-1 xzsP;qVh fuf/k] isa'ku fuf/k rFkk vodk'k udnhdj.k fuf/k esa okf"kZd va'knku dk çko/kku chekafdd ewY;kadu ds vk/kkj ij fd;k gSA

9-2 fnukad 01-04-2010 ;k mlds ckn lfEefyr deZpkfj;ksa dks U;w isa'ku ;kstuk esa 'kkfey fd;k x;k gSA

10- vkfLr;ksa dk º zkl

LFkk;h vkfLr;ksa ¼iquewZY;kafdr vkfLr;ksa lfgr½ ij ºzkflr gkfu ¼;fn dksbZ gS½ dh igpku vkbZ-lh-,-vkbZ- }kjk tkjh ,-,l- 28¼vkfLr;ksa dk g zkl½ ds vuqlkj dh tkrh gS vkSj ykHk ,oa gkfu [kkrs dks ukes dh tkrh gSA

11- vk; ij dj%

11-1 pkyw vk; dj dks ykxw dj njksa rFkk fof/kd fu.kZ;ksa@ijke'kZ gsrq nh tkus okyh jkf'k ds vk/kkj ij vkadk x;k gSA

11-2 ,-,l- 22 & vkLFkfxr&dj vuqlkj bl vof/k dh vk; x.kuk rFkk dj ;ksX; vk; ds chp esa le; varj ds dkj.k dj&ifjdyuij iM+s çHkko dks 'kkfey fd;k x;k gS rFkk vkLFkfxr dj&vkfLr;ksa ds laca/k esa bldk ewY;kadu ;Fkksfpr çfrQy dks /;ku esa j[k dj fd;k x;k gSA

Punjab & Sind Bank

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lease.

10. Impairment of Assets

11 Taxes on Income

iatkc ,.M fla/ cSad


vuqlwph& 18 ys[kksa ls lacaf/kr fVIif.k;ka

1- cfg;ksa ds 'ks"k feyku vkSj mudk lek;kstu

1-1 dqNsd 'kk[kkvksa esa lgk;d cgh [kkrk 'ks"kksa ds lkFk fu;a=d [kkrksa ds 'ks"k feyku@lek;kstu dh çfØ;k py jgh gSA1-2 var'kkZ[kk [kkrksa ¼vkbZchvkj $ MhMh½ esa cdk;k çfof"V;ksa ds MsfcV&ØsfMV dk vkjafHkd feyku] ftls vardkZ;kZy; lek;kstu esa 'kkfey

djds bl dk;Z ¼ftlesa cdk;k çfof"V;ka 'kkfey gSa½ dks 31-03-2018 rd fd;k x;k gS vkSj bldk lek;kstu dk;Z py jgk gSA 1-3 Mªk¶Vksa@ns; VhVh] ns;@çnÙk ykHkka'k okjaV] çkI;@ns; MsfcV uksV] vkjVhth,l ¼mpar½ bR;kfn ds lkFk [kkrksa dk lek;kstu dk dk;Z

py jgk gSA Hkkjrh; fjtoZ cSad dh 'krksaZ ds vuqlkj çko/kku dj fn;k gSA fnukad 31-03-2018 rd ds uksLVªks [kkrksa dk lek;kstu dj fn;k x;k gSAçca/ku dh jk; esa] ykHk&gkfu [kkrs o rqyu&i= ij mä iSjk 1-1 ls 1-3 dk çHkko ;fn dksbZ gS] rks ux.; gksxkA

1-4 Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa ds vuq:i 30-09-2017 dh vof/k rd rFkk 31-03-2018 dks cdk;k varj 'kk[kk ds [kkrksa dh ukesrFkk tek çfof"V;ksa dks vyx vyx djus dk dk;Z cSad }kjk fd;k x;k gS ftlds ifj.kkeLo#i dqN 'kh"kksaZ esa dqy MsfcV ;k vU; 'kh"kksaZ esa dqy tek 'ks"k gSA N% eghuksa ls vf/kd ds vof/k dh fuoy ukes çfof"V;ksa ds laca/k esa çko/kku fd, x, gSAvar'kkZ[kk [kkrk esa fuoy tek gS blfy, çko/kku dh vko';drk ugha gSA

1-5 cdk;k uksLVªks [kkrksa dh dqy fuoy tek dks fnukad 31 ekpZ 1996 dh fLFkfr ds vuq#i #- 3-78 djksM+ ¼fiNys o"kZ #- 3-70 djksM+½dks vo#} uksLVªks fofo/k nsunkj [kkrksa esa varfjr dj fn;k x;k gSA ftlesa ls #- 1-77 djksM+ dks 14-11-1989 dh vof/k ls igys ds cgh ewY; ij fy;k x;k gSA 01 vçSy 1996 ds i'pkr dh vof/k ds fy, 3 o"kksaZ ls vf/kd gsrq cdk;k #- 5-15 djksM+ dh jkf'k ¼iwoZ o"kZ #- 4-81 djksM+½ dks vlek;ksftr çfof"V;ksa ls vyx dj mUgsa vo:) vnkoh tek ¼uksLVªks½ [kkrs esa j[kk x;k gSA

2- fnukad 31-03-2017 dks lekIr foÙkh; o"kZ dh okf"kZd foÙkh; foojf.k;ksa dk vuqlj.k djrs gq,] okf"kZd foÙkh; fooj.kksa dks rS;kj djusesa ys[kkadu uhfr;ksa esa dksbZ cnyko ugha vk;k gSA

3- iwath

3-1 o"kZ ds nkSjku cSad us Hkk-fj- cSad@foÙk ea=ky; ls vko';d vuqeksnu çkIr djus ds i'pkr lsch vkblhMhvkj vf/kfu;e ds vuqlkj:-10 ds çfr 'ks;j ij fu/kkZfjr :- 47-72 ds çfr 'ks;j çhfe;e ij Hkkjr ljdkj dks vf/keku vk/kkj ij 16]45]01]257 bZfDoVh 'ks;j tkjh fd, gSaA rnuqlkj] cSad dk bZfDoVh 'ks;j iwath #-164-50 djksM+ ls c<+ dj #- 564-91 vkSj 'ks;j fçfe;e #-619-51 djksM+ ls c<+ dj ¼'ks;j lacaf/kr 0-99 djksM+ O;; dks lek;ksftr djus ds i'pkr½ #-1937-55 djksM+ gks x;k gSA

3-2 tksf[ke Hkkfjr laifÙk ij iwath¼#- djksM+ esa½

ensa 2017&18 2016&17¼i½ lh-vkj-,-vkj- Vh;j&I iwath ¼ckly&II½ 8.87% 8.40%

¼ii½ lh-vkj-,-vkj- Vh;j&II iwath (%) ¼ckly& II½ 2.40% 3.17%

¼iii½ dqy lh-vkj-,-vkj- ¼ckly& II½ 11.27% 11.57%

¼iv½ lkekU; bfDoVh Vh;j&I iwath vuqikr ¼ckly&III½ 8.37% 9.14%

¼v½ vfrfjä Vh;j&I iwath vuqikr ¼ckly&III½ 1.48% 0.00%

¼vi½ lh-vkj-,-vkj-&Vh;j&I iwath vuqikr ¼ckly III½ 9.85% 9.14%

¼vii½ lh-vkj-,-vkj-&fV;j&II iwath vuqikr ¼ckly III½ 1.40% 1.91%

¼viii½ dqy iw¡th vuqikr ¼lhvkj,vkj½ ¼ckly&III ½ 11.25% 11.05%

¼ix½ Hkkjr ljdkj ds 'ks;j /kkjdksa dh çfr'krrk 85.56% 79.62%

¼x½ tqVkbZ xbZ bfDoVh iw¡th dh jkf'k 785.00 'kwU;¼xi½ tqVkbZ xbZ vfrfjDr fV;j&I iwath vuqikr dh jkf'k ftlesa ls

ih-,u-lh-ih-,l-%vkbZ-ih-Mh-vkbZ-%

1000'kwU;'kwU;

'kwU;'kwU;

¼xii½ tqVkbZ xbZ vfrfjä fV;j&II iwath vuqikr dh jkf'k ftlesa ls _.k iw¡th fy[krvf/kekuh 'ks;j iw¡th fy[kr csfe;knh lap;h vf/kekuh 'ks;j ¼ihlhih,l½@çfrns; xSj lap;h vf/kekuh 'ks;j¼vkj,ulhih,l½@çfrns; lap;h vf/kekuh 'ks;j¼vkjlhih,l½

'kwU;'kwU;'kwU;

500.00500.00

'kwU;

Punjab & Sind Bank

2017-18 225

SCHEDULE 18NOTES ON ACCOUNTS

1

the period up to 30.09.2017 and remained outstanding as on 31.03.2018 has been done which has resulted in either net

period exceeding 6 months.

Account out of which Rs. 1.77 crores for period prior to 14.11.1989 is being carried at old book value. Credit entries for the

crores) have been segregated and kept in Blocked Unclaimed Nostro New Account.

3. Capital

(Rupees. in crore) Items 2017-18 2016-17

(i) CRAR - Tier I capital (Basel-II) 8.87% 8.40%(ii) CRAR - Tier II capital (Basel-II) 2.40% 3.17%(iii) Total CRAR (Basel-II) 11.27% 11.57%(iv) 8.37% 9.14%(v) 1.48% 0.00%(vi) 9.85% 9.14%(vii) 1.40% 1.91%(viii) 11.25% 11.05%(ix) 85.56% 79.62%(x) 785.00(xi) 1000.00

(xii) Amount of Tier II capital raised of which Debt capital instrument: 500.00500.00

iatkc ,.M fla/ cSad


4- fuos'k4-1 fuos'kksa dk ewY;

¼#- djksM+ esa½

ensa 2017&18 2016&17¼i½ fuos'kksa dk ldy ewY;

¼d½ Hkkjr esa 33150.04 27997.61

¼[k½ Hkkjr ls ckgj 'kwU; 'kwU;¼ii½ ewY;ºkzl gsrq çko/kku ¼,u-ih-,- çko/kku lfgr½

¼d½ Hkkjr esa 168.28 49.11

¼[k½ Hkkjr ls ckgj 'kwU; 'kwU;¼iii½ fuos'kksa dk 'kq) ewY;

¼d½ Hkkjr esa 32981.76 27948.50

¼[k½ Hkkjr ls ckgj 'kwU; 'kwU;2- fuos'kksa esa ewY;ºkzl ds çko/kkuksa esa ?kV&c<+ ¼,u-ih-,- ds çko/kkuksa lfgr½¼i½ vFk 'ks"k 49.11 48.36

¼ii½ tek% o"kZ ds nkSjku fd, x, çko/kku 119.17 32.36

¼iii½ ?kVk% o"kZ ds nkSjku vf/kd fd, çko/kkuksa dks cês [kkrs esa Mkyuk@iqujkadu - 31.61

¼iv½ 'ks"k 168.28 49.11

4-2 ,eVh,e gkfu;ksa dk çlkj

Hkkjrh; fjtoZ cSad us vius ifji= Mhchvkj-la[;k chih-chlh-102@21-04-048@2017&18 fnukad 02 vçSy 2018 ds ek/;e ls fnlacj 31]2017 vkSj ekpZ 31]2018 dks lekIr frekgh ds fy, ,,Q,l vkSj ,p,QVh esa fd, x, fuos'k ij ,eVh,e ?kkVs ds çko/kku dsfoLrkj dk fodYi çnku fd;k gSA rnuqlkj] cSad us fnlacj 2017 dks lekIr frekgh esa #-76-49 djksM+ rFkk ekpZ 2018 frekgh esa#-15-99 djksM+ dk çHkkj yxk;k vkSj fnlacj 2017 frekgh dh #-76-49 djksM+ dh gkfu rFkk ekpZ 31] 2018 frekgh dh #-47-97djksM+ dh gkfu dk vkxkeh foÙkh; o"kZ dh vxyh frekgh rd foLrkj fd;k gSA

4-3 iqu% [kjhn@iqu% çfrofrZr ysu&nsu ¼vafdr ewY; dh 'krksaZ ij½

4-3-1 iqu% [kjhn@iqu% çfrofrZr dh ys[kk

iqu% [kjhn@iqu% çfrofrZr ysu&nsu& iqu% [kjhn ds le>kSrs ds varxZr csph xbZ çfrHkwfr vkSj iqu% çfrofrZr le>kSrs ds varxZr [kjhnh xbZ çfrHkwfr] dks Øe'k% laikf'kZ~od m/kkj vkSj m/kkj ysunsu ds :i esa ekuh tkrh gSaA iqu% [kjhn ds çFke ,oa f}rh; pj.k dh fopkj.kh; jkf'k dk varj] ysu&nsu dh vof/k ds C;kt vk; ;k C;kt [kpsZ ds #i esa ekU; gSA

4-3-2 iqu% [kjhn%@iqu% çfrofrZr ysu&nsu çfof"V;ksa ¼ljdkjh çfrHkwfr;k¡½¼#- djksM+ esa½

fooj.k U;wure cdk;k vf/kdre cdk;k nSfud vkSlr cdk;k 31-03-2018 dks 'ks"k

iqu% [kjhn ds varxZr csph xbZ çfrHkwfr;k¡ 0.00 1725.00 54.11 750.00

iqu% çfrofrZr ds varxZr [kjhnh xbZ çfrHkwfr;k¡ 0.00 6199.00 1507.55 2000.00

4-3-3 iqu% [kjhn@iqu% çfrofrZr ysu&nsu çfof"V;ksa ¼daiuh _.k çfrHkwfr;ka½¼#- djksM+ esa½

fooj.k U;wure cdk;k vf/kdre cdk;k nSfud vkSlr cdk;k vFk 'ks"k 31-03-2018iqu% [kjhn ds varxZr csph xbZ çfrHkwfr;k¡ 'kwU; 'kwU; 'kwU; 'kwU;iqu% çfrofrZr ds varxZr [kjhnh xbZ çfrHkwfr;k¡ 'kwU; 'kwU; 'kwU; 'kwU;

Punjab & Sind Bank

2017-18 227

4. Investments

4.1 Value of Investments(Rupees in crore)

Items 2017-18 2016-17(1) (i) Gross Value of Investments

(a) In India 33150.04 27997.61(b) Outside India Nil Nil

(ii)

(a) In India 168.28 49.11(b) Outside India Nil Nil

(iii) Net Value of Investments(a) In India 32981.76 27948.50(b) Outside India NIl Nil

(2)(Including provision for NPAs)(i) Opening balance 49.11 48.36(ii) 119.17 32.36(iii) - 31.61(iv) Closing balance 168.28 49.11

4.2 Spreading of MTM losses

4.3

4.3.1

(Rupees in crore)

MinimumOutstanding

MaximumOutstanding

Daily AverageOutstanding

Balance as on 31.03.2018

0.00 1725.00 54.11 750.000.00 6199.00 1507.55 2000.00

4.3.3

MinimumOutstanding

MaximumOutstanding

Daily AverageOutstanding

Balance as on 31.03.2018

Nil Nil Nil NilNil Nil Nil Nil

iatkc ,.M fla/ cSad


4-4 ,l-th-,y- VªkaLkQj QkeZ okilh dk fooj.k rFkk Hkkjrh; fjt+oZ cSad dks pqdrk dh xbZ naM dh dqy jkf'k

2017&18 2016&17

fuf/k ;k çfrHkwfr;ksa dh vko';drk ds dkj.k ,l-th-,y- VªkaLQj QkeZ okilh dh la[;k 'kwU; 'kwU;

Hkkjrh; fjt+oZ cSad dks pqdrk dh xbZ naM dh jkf'k 'kwU; 'kwU;

4-5 xSj&lkafof/kd rjyrk vuqikr okyh fuos'k lwph% 31-03-2018 dks tkjhdrkZ laxBu dh fLFkfr%¼#- djksM+ esa½

la[;k tkjh drkZ jkf'k futh LFkkiuk dh lhek

fuos'k xzsM ls uhps çfrHkwfrdj.k

dh lhek

vewY;kafdrçfrHkwfr;ksa

dh lhek

vlwphxrçfrHkwfr;ksa

dh lhek1½ 2 3 4 5 6 7

i- lkoZtfud miØe 4484.07 3925.94 0 3816.40 1980.13ii- foÙkh; laLFkku 240.51 44.60 0 46.66 14.60

iii- cSad 2117.77 104.42 0 24.95 2007.82iv futh dEiuh 2135.40 425.79 0 254.74 482.12v- lgk;d@la;qä miØe 0.65 0.65 0 0.65 0.65

vi- vU; 44.95 6.95 0 44.95 44.95vii- ewY;ºkzl ds fy, j[ks

çko/kku ¼,uih, lfgr½ 75.79 0 0 0 0dqy* 8947.56 4508.35 0.00 4188.35 4530.27

uksV% *d‚ye 3 dk tksM+ rqyu&i= dh vuqlwph 8 dh fuEufyf[kr Jsf.k;ksa ds tksM+ ls esy [kkuk pkfg, %d- 'ks;j[k- fMcsapj o c‚a.Mx- lgk;d@la;qä miØe?k- vU;

4-6 vuqç;ksT; vkSj xSj&lkafof/kd rjyrk vuqikr fuos'kksa esa mrkj&p<+ko¼#- djksM+ esa½

fooj.k 2017-18 2016-17

vFk 'ks"k 30.85 56.26

o"kZ ds nkSjku ifjo/kZu 140.54 0.94

o"kZ ds nkSjku dVkSfr;k¡ 0.48 26.35

bfr 'ks"k 170.91 30.85

dqy çko/kku 53.22 24.43

4-7 O;qRifÙk;k¡o"kZ 2017&18 ds nkSjku cSad us çfrj{kk ;k O;kikfjd mís'; ls dksbZ Hkh u;k O;qifÙk ysu&nsu ¼ok;nk nj le>kSrk@C;kt nj vnyk&cnyh@fofue; O;kikj C;kt&nj O;qRifÙk;k¡½ ughaa fd;k gSA rnuqlkj Hkkjrh; fjt+oZ cSad ds fn'kk&funsZ'kksa ds vuqlkj O;qRifÙk ysu&nsu ds laca/k esa xq.kkRed o ek=kRed çdVhdj.k visf{kr ughaa gSA

4-8 o"kZ ds nkSjku iqu% lajfpr@iqu% vuqlwfpr@iqu% ijØkfer fuos'k¼#- djksM+ esa½

fooj.k 2017-18 2016-17

ekud vkfLr;k¡ ftudh iqulaZjpuk gksuh gS 'kwU; 'kwU;voekud vkfLr;k¡ ftudh iqulaZjpuk gksuh gS 'kwU; 'kwU;v'kks/; vkfLr;k¡ ftudh iqulaZjpuk gksuh gS 'kwU; 'kwU;dqy vkfLr;ksa dh jkf'k ftudh iqulZ ajpuk gksuh gS 'kwU; 'kwU;

Punjab & Sind Bank

2017-18 229

4.4 Detail of bouncing of SGL Transfer Forms and Quantum of Penalty paid to Reserve Bank of India :

2017-18 2016-17Nil Nil

Nil Nil

4.5(Rupees in crore)

No Issuer Amount Extent of Private

Placement

Extent of ‘Below Investment Grade’

Extent of ‘Un-rated’

Extent of ‘Unlisted’

(1) (2) (3) (4) (5) (6) (7)i. 4484.07 3925.94 0 3816.40 1980.13ii. FIs 240.51 44.60 0 46.66 14.60iii. Banks 2117.77 104.42 0 24.95 2007.82iv. 2135.40 425.79 0 254.74 482.12v. 0.65 0.65 0 0.65 0.65vi. Others 44.95 6.95 0 44.95 44.95vii.

75.79 0 0 0 0Total * 8947.56 4508.35 0.00 4188.35 4530.27

Note: (1) * Total under column 3 should tally with the total of Investments included under the following categories in Schedule 8 to the balance sheet:

a) Shares

b) Debentures & Bonds

d) Others

4.6 Movement of Non Performing Non SLR Investments (Rupees in crore)

2017-18 2016-17Opening balance 30.85 56.26

140.54 0.940.48 26.35

Closing balance 170.91 30.85Total Provisions held 53.22 24.43

4.7

4.8(Rupees in crore)

2017-18 2016-17Nil NilNil NilNil Nil

Total amount of assets subjected to restructuring etc. Nil Nil

iatkc ,.M fla/ cSad


4-9 o"kZ ds nkSjku cSad us #- 875 djksM+ dh ¼vafdr ewY;½ ifjiDork rd j[kus ls fcØh gsrq miyC/k Js.kh esa çfrHkwfr;ksa dks varfjr fd;k gSaA

4-10-1 o"kZ ds nkSjku fcfØ;ksa dk ewY; vkSj ,pVh,e Js.kh dk@ls çfrHkwfr;ksa dk varj.k] o"kZ ds vkjaHk esa ,pVh,e Js.kh esa j[ks x, fuos'kksads ogh ewY; ls 5% ls vf/kd ughaa gSA

4-10-2 ,pVh,e Js.kh ds varxZr çfrHkwfr;ksa dh fcØh esa ldy ykHk ¼djksa ls eqä½ dks iwath vkjf{kr [kkrk esa varfjr fd;k tkrk gSA

5 vkfLr xq.koÙkk5-1 xSj fu"ikfnr vkfLr;ka

¼#- djksM+ esa½

ensa 2017-18 2016-17

¼i½ 'kq} vfxzeksa esa 'kq} ,uih, ¼%½ 6.93 7.51

¼ii½ çko/kku lekos'k vuqikr ¼ihlhvkj½ ¼%½ 54.41 46.69

¼iii½ ldy ,uih, esa ?kV&c<+¼d½ vFk 'ks"k 6297.59 4229.05

¼[k½ o"kZ ds nkSjku ifjo/kZu 2591.75 2900.06

¼x½ o"kZ ds nkSjku deh 1087.69 831.52

¼?k½ bfr 'ks"k 7801.65 6297.59

¼iv½ fuoy ,uih, esa mrkj&p<+ko¼d½ vFk 'ks"k 4375.08 2949.47

¼[k½ o"kZ ds nkSjku ifjo/kZu 1989.11 2381.90

¼x½ o"kZ ds nkSjku deh 1756.32 956.29

¼?k½ bfr 'ks"k 4607.87 4375.08

¼v½ ,uih, çko/kkuksa esa mrkj&p<+ko ¼ekud vkfLr;ksa ij çko/kku dks NksM+dj½¼d½ vFk 'ks"k 1882.93 1266.71

¼[k½ tek% o"kZ ds nkSjku çko/kku 1770.12 1135.20

¼x½ ?kVk% vf/kd fd, çko/kkuksa dks cês [kkrs [email protected] 498.87 518.98

¼?k½ bfr 'ks"k 3154.18 1882.93

5-2 Mh-vkbZ-lh-th-lh-@lh-th-Vh-,e-,l-bZ-@bZ-lh-th-lh- ds ik= nkos] nkf[ky rFkk iqu% nkf[ky nkos tks oS/k@olwyh ;ksX; gS] dks vfxzeksagsrq çko/kku ds fy, çfrHkwfr ds vk/kkj ij fopkj.kh; ekuk x;k gSA

5-3 vkfLr oxhZdj.k rFkk ,uih, çko/kkuu esa varj¼# gtkj esa½

Ø-la- fooj.k jkf'k1 fnukad 31-03-2017 dks cSad }kjk fjiksVZ fd;k x;k ldy ,uih, 6297.592 fnukad 31-03-2017 dks Hkk-fj- cSad }kjk fu/kkZj.k fd;k x;k ldy ,uih, 6840.293 ldy ,uih, esa varj ¼2&1½ 542.704 fnukad 31-03-2017 dks cSad }kjk fjiksVZ fd;k x;k fuoy ,uih, 4375.085 fnukad 31-03-2017 dks Hkk-fj- cSad }kjk fu/kkZj.k fd;k x;k fuoy ,uih, 4700.286 fuoy ,uih, esa varj ¼5&4½ 325.207 fnukad 31-03-2017 dks cSad }kjk fjiksVZ fd, x, ,uih, gsrq çko/kku 1882.938 fnukad 31-03-2017 dks Hkk-fj- cSad }kjk fu/kkZj.k fd, x, ,uih, gsrq çko/kku 2100.439 çko/kkuu esa varj ¼8&7½ 217.5010 31 ekpZ] 2017 dks lekIr o"kZ gsrq dj ds ckn fjiksVZ fd;k x;k 'kq) ykHk ¼ih,Vh½ 201.0811 çko/kkuu esa varj dks /;ku esa j[krs gq, 31 ekpZ] 2017 dks lekIr o"kZ gsrq dj ds ckn lek;ksftr

¼vuqekfud½ 'kq) ykHk 58.85

* 31 ekpZ] 2017 lanfHkZr vof/k dh lekfIr gS ftlds laca/k esa varjksa dk fu/kkZj.k fd;k x;kA

Punjab & Sind Bank

2017-18 231

of investments held in HTM category at the beginning of the year.

Account.

5. Asset Quality

5.1. Non-Performing Assets(Rupees in crore)

Items 2017-18 2016-17(i) 6.93 7.51(ii) 54.41 46.69(iii) Movement of Gross NPAs

(a) Opening Balance 6297.59 4229.05(b) 2591.75 2900.06(c) 1087.69 831.52(d) Closing balance 7801.65 6297.59

(iv) Movement of Net NPAs(a) Opening Balance 4375.08 2949.47(b) 1989.11 2381.90(c) 1756.32 956.29(d) Closing balance 4607.87 4375.08

(v) Movement of provisions for NPAs (excluding provisions on standard assets)(a) Opening Balance 1882.93 1266.71(b) Add: provisions made during the year 1770.12 1135.20(c) 498.87 518.98(d) Closing balance 3154.18 1882.93

5.2

5.3 (Rupees in crores)

Sr. Amount1 6297.592 6840.293 542.704 4375.085 4700.286 325.207 1882.938 2100.439 Divergence in provisioning (8-7) 217.50

10 201.0811

account the divergence in provisioning 58.85

iatkc ,.M fla/ cSad


5-4

iqu% l

ajfpr fd,

x,

[kkr

ksa dk fo

oj.

k

iat

kc ,

.M fl

a/k c

Sad

31-0

3-20

18 d

ks iqu% l

ajfpr [

kkrksa dk çd

Vhdj.

k

¼jkf'k djksM+ksa esa½

Ø la-

iqu% lajpuk dk çdkj

lhMhvkj ds varx

Zr O;oL

Fkk

,l,e

bZ ds varx

Zr _

.k

iqu% lajpuk O;o

LFkk

vU;

dqy

vkfL

r oxhZdj.k

ekud

voekud

lafnX/kgkfu

dqyekud

voekud

lafnX/kgkfu

dqy

ekud

voekud

lafnX/kgkfu

dqy

ekud

voekud

lafnX/kgkfu

dqy

fooj

.k

1-foÙkh;&o"kZ dh 1 vçSy

dks

iqu% lajfpr

[kkrs

¼çkjafHkd vk¡dM+sa½

_f.k;ksa dh la-

22

44

1818

2424

cdk;k jkf'k

77.6

577

.65

17.2

317

.23

1391

.76

1391

.76

1486

.64

1486

.64

çko/kku

10.4

110

.41

1.31

1.31

131.

6813

1.68

143.

4014

3.40

2-o"kZ ds nkSjku u,

iqu% lajfpr

[kkrs

_f.k;ksa dh la-

12

31

23

11

46

cdk;k jkf'k

0.87

2.21

3.08

15.8

7*21

8.98

234.

8515

.87

0.87

221.

1923

7.93

çko/kku

0.13

2.11

2.24

0.31

72.7

773

.08

0.31

0.13

74.8

875

.32

3-foÙkh;&o"kZ ds nkSjku

iqu%lajfpr ekud

dk mUu;u

_f.k;ksa dh la-

cdk;k jkf'k

çko/kku

4-vfxze

iqu% lajfpr ekud

tks

vkd

"kZd m

Pp çko/kkuksa

dks jksdrs gSa

rFkk@

;k

foÙk&o"kZ ds var esa vfrfjä

tksf[ke Hkkj

rFkk ;fn vkxkeh

foÙk&o"kZ ds çkjaHk esa vfxze

iqu%lajfpr ekud

dks fn[kkus

dh vko';ed

rk ugha g

S

_f.k;ksa dh la-

-2-2

-1-1

-3-3

cdk;k jkf'k

-0.0

3-0

.03

-92.

45-9

2.45

-92.

48-9

2.48

çko/kku

0.00

00

00

0

5-foÙkh;&o"kZ ds nkSjku i

qu%

lajfpr

[kkrksa dk mUu;u

_f.k;ksa dh

la- ¼&

½

-1-1

-2-2

-9-9

-12

-12

cdk;k jkf'k ¼&

½-1

0.46

-10.

46-1

2.71

-12.

71-8

37.6

7-8

37.6

7-8

60.8

4-8

60.8

4

çko/kku

¼&½

-2.6

2-2

.62

-4.2

0-4

.20

-233

.36

-233

.36

-240

.18

-240

.18

6-foÙkh;&o"kZ ds nkSjku i

qu%

lajfpr

[kkrksa dh vifyf[kr _f.k;ksa dh la-

-1-1

-1-1

-2-2

cdk;k jkf'k

-67.

19-6

7.19

-4.4

9-4

.49

-62.

83-6

2.83

-134

.51

-134

.51

7-31

ekpZ dks lekIr

foÙkh;&o"kZ ds nkSjku i

qu%

lajfpr

[kkrs ¼vafre vkadMs] *½

_f.k;ksa dh la-

12

38

210

81

413

cdk;k jkf'k

0.87

2.21

3.08

414.

6821

8.98

633.

6641

4.68

0.87

221.

1963

6.74

çko/kku

0.13

2.11

2.24

25.7

672

.77

98.5

325

.76

0.13

74.8

810

0.77

Punjab & Sind Bank

2017-18 233

5.4

Det

ails

of A

ccou

nts

Rest

ruct

ured

:

(Rup

ees i

n cr

ores

)

Sl.

Und

er C

DR M

echa

nism

Und

er S

ME

Debt

Re

stru

ctur

ing

Mec

hani

smO

ther

s

Std.

Sub-Std.

Doubt-ful

Total

Std.

Sub-Std.

Doubt-ful

Total

Std.

Sub-Std.

Doubt-ful

Total

Std.

Sub-Std.

Doubt-ful

Total

1Re

stru

ctur

ed A

ccou

nts a

s on

April

1

No.

of B

orro

wer

22

44

1818

2424

77.6

577

.65

17.2

317

.23

1391

.76

1391

.76

1486

.64

1486

.64

10.4

110

.41

1.31

1.31

131.

6813

1.68

143.

4014

3.40

2Fr

esh

Rest

ruct

urin

g du

ring

the

year

No.

of B

orro

wer

12

31

23

11

46

0.87

2.21

3.08

15.8

7*21

8.98

234.

8515

.87

0.87

221.

1923

7.93

0.13

2.11

2.24

0.31

72.7

773

.08

0.31

0.13

74.8

875

.32

3

No.

of B

orro

wer

4

Rest

ruct

ured

Std

. Ad

v.whi

ch c

ease

as re

stru

ctur

ed S

td. A

dvan

ces a

t the

No.

of B

orro

wer

-2-2

-1-1

-3-3

-0.0

3-0

.03

-92.

45-9

2.45

-92.

48-9

2.48

0.00

00

00

0

5

No.

of B

orro

wer

(-)-1

-1-2

-2-9

-9-1

2-1

2

-10.

46-1

0.46

-12.

71-1

2.71

-837

.67

-837

.67

-860

.84

-860

.84

-2.6

2-2

.62

-4.2

0-4

.20

-233

.36

-233

.36

-240

.18

-240

.18

6N

o.of

Bor

row

er-1

-1-1

-1-2

-2

-67.

19-6

7.19

-4.4

9-4

.49

-62.

83-6

2.83

-134

.51

-134

.51

7Re

stru

ctur

ed a

ccou

nts a

s on

Mar

'31

No.

of B

orro

wer

12

38

210

81

413

0.87

2.21

3.08

414.

6821

8.98

633.

6641

4.68

0.87

221.

1963

6.74

0.13

2.11

2.24

25.7

672

.77

98.5

325

.76

0.13

74.8

810

0.77

*Th

e am

oun t

of R

s.15

.87

cror

es in

clud

es R

s.13

.40

cror

es d

isbur

sed

to 2

acc

ount

s w

hich

are

incl

uded

in r

estr

uctu

red

acco

unts

as

on A

pril

1, 2

017.

The

rem

aini

ng a

mou

nt o

f Rs.

2.46

cro

res

pert

ains

to

iatkc ,.M fla/ cSad


5-5 orZeku _.kksa dh yphyh lajpuk dks ykxw djuk¼#- djksM+ esa½

vof/k yphyh lajpuk gsrq fy, x, _f.k;ksa

dh la[;k

yphyh lajpuk gsrq fy, x, _.kksa dh jkf'k

yphyh lajpuk gsrq fy, x, _.kksa dh Hkkfjr vkSlr tksf[ke

vof/kekud oxhZ—r ,uih, oxhZ—r yphyh lajpuk

dks ykxw djus ls iwoZ

yphyh lajpuk dks ykxw djus

ds cknfoxr foÙkh; o"kZ ¼2016&17½ 2 271.16 - 10.77 18.74

orZeku foÙkh; o"kZ 2017&18 1 245.37 - 10.15 19.93

5-6 vuqdwy _.k iqu% lajpuk ;kstuk ¼[kkrs tks orZeku esa tdM+h gqbZ vof/k esa gSa½¼#- djksM+ esa½

[kkrksa dh la[;k tgk¡ ,lMhvkj dks buoksd fd;k x;k

fjiksVZ djus dh frfFk ij cdk;k jkf'k

[kkrksa ds laca/k esa fjiksVZ djus dh frfFk ij cdk;k jkf'k tgk¡ _.k dks bZfDoVh esa ifjofrZr djuk

vfu.khZr gSA

[kkrksa ds laca/k esa fjiksVZ djus dh frfFk ij cdk;k jkf'k tgk¡ _.k dks bZfDoVh esa ifjofrZr dj fn;k

x;k gSAekud oxhZ—r ,uih, oxhZ—r ekud oxhZ—r ,uih, oxhZ—r ekud oxhZ—r ,uih, oxhZ—r

1 31.68 - - - 31.68 -

5-7 ,lMhvkj ;kstuk ls ckgj LokfeRo esa ifjorZu¼#- djksM+ esa½

[kkrksa dh la[;k tgk¡ cSad us LokfeRo esa ifjorZu dks çHkkoh djus dk fu.kZ; fy;k gSA

fjiksVZ djus dh frfFk ij cdk;k jkf'k

[kkrksa ds laca/k esa fjiksVZ djus dh frfFk ij cdk;k jkf'k tgk¡ _.k dks bZfDoVh@fxjoh bZfDoVh 'ks;jksa dks ykxw djuk vfu.khZr gSA

[kkrksa ds laca/k esa fjiksVZ djus dh frfFk ij cdk;k jkf'k tgk¡ _.k dks bZfDoVh@fxjoh bZfDoVh 'ks;jksa dks ykxw dj fn;k x;k gSA

[kkrksa ds laca/k esa fjiksVZ djus dh frfFk ij cdk;k jkf'k tgk¡ çorZdksa dh bZfDoVh dh fcØh ;k tkjh fd, x, u, 'ks;jksa ls LokfeRo esa ifjorZu mfYyf[kr gSA

ekudoxhZ—r

,uih,oxhZ—r

ekudoxhZ—r

,uih,oxhZ—r

ekudoxhZ—r

,uih,oxhZ—r

ekudoxhZ—r

,uih,oxhZ—r

- - - - - - - - -

5-8 nckoxzLr vkfLr;ksa dh /kkj.kh; iqu%lajpuk gsrq ;kstuk ¼,l4,½¼#- djksM+ esa½

[kkrksa dh la[;k tgk¡ ,l4, ykxw fd;k x;k gSA dqy cdk;k jkf'k cdk;k jkf'k fd;k x;k çko/kkuikVZ A esa ikVZ B esa

,uih, oxhZ—r 43.59 22.67 20.92 16.66*

* dqy ntZ cdk;k jkf'k #- 36-64 djksM+ gS] ftlesa ls çfrHkwr fgLls dh jkf'k #-33-30 djksM+ gS vkSj çfrHkwfr jfgr fgLls dh jkf'k#- 3-34 djksM+ gSA çfrHkwr fgLls ij 40% dk çko/kku gSA #-13-32 djksM+ vkSj çfrHkwfr jfgr fgLls ij çko/kku 100% dk gS#-3-34 djksM+A

Punjab & Sind Bank

2017-18 235

(Rupees in crore)

No. of Borrowers

structuring

Amount of loans taken up for Exposure weighted average

StandardBefore

structuring structuring2 271.16 - 10.77 18.741 245.37 - 10.15 19.93

(Rupees in crore)

No. of accounts where SDR has been invoked

Amount outstanding as on the Amount outstanding as on the

accounts where conversion of

Amount outstanding as on the

accounts where conversion of

Standard Standard Standard 1 31.68 - - - 31.68 -

5.7 Change in Ownership outside SDR Scheme (Rupees in crore)

No. of accounts where banks have decided

change in ownership

Amount outstanding as Amount outstanding as

with respect to accounts where conversion of debt

pending

Amount outstanding as

with respect to accounts where conversion of debt

has taken place

Amount outstanding

date with respect to accounts where change in ownership is envisaged by issuance of fresh shares or sale of

Standard Standard Standard Standard - - - - - - - - -

5.8 Scheme for Sustainable Structuring of Stressed Assets (S4A).(Rupees in crore)

No. of accounts where S4A has been applied Aggregate amount outstanding Amount outstanding

43.59 22.67 20.92 16.66*

is 40% on secured i.e Rs 13.32 crs and 100 % on unsecured i.e. Rs 3.34 crores.

iatkc ,.M fla/ cSad


5-9 d- vkfLr iqulZ ajpuk gsrq ç[email protected] daifu;ksa dks csph xbZ foÙkh; laifÙk;ksa dk fooj.k ¼#- djksM+ esa½

ensa 2017-18 2016-17

¼i½ [kkrksa dh la[;k 'kwU; 'kwU;¼ii½ ,l lh@vkj lh dks csps x, [kkrksa dk dqy ewY; ¼'kq) çko/kku½ 'kwU; 'kwU;¼iii½ dqy çfrQy 'kwU; 'kwU;¼iv½ igys ds o"kksaZ esa [kkrksa ds gLrkarj.k ls olwyk x;k vfrfjä çfrQy 'kwU; 'kwU;¼v½ 'kq) cgh ewY; ds Åij dqy ykHk@gkfu 'kwU; 'kwU;

[k- çfrHkwfr çkfIr;ksa esa fuos'k ds cgh ewY; dk fooj.k ¼#- djksM+ esa½

ensa 2017-18 2016-17

¼i½ cSad }kjk vutZd [kkrksa esa csph xbZ varfuZfgr çfrHkwfr;ka 37.99 0.00001

¼ii½ vU; cSadksa@foÙkh; laxBuksa@xSj cSafdax foÙkh; daifu;ksa }kjk vutZd [kkrksa esa csph xbZ varfuZfgr çfrHkwfr;ka

- -

dqy 37.99 0.00001

5-10 [kjhnh@csph xbZa xSj fu"ikfnr foÙkh; vkfLr;ksa ds fooj.k%d½ Ø; dh xbZa xSj&fu"ikfnr foÙkh; vkfLr;ksa ds fooj.k ¼#- djksM+ esa½

fooj.k 2017-18 2016-17

1- d½ o"kZ ds nkSjku [kjhns x, [kkrs 'kwU; 'kwU;[k½ dqy cdk;k 'kwU; 'kwU;

2- d½ buesa ls o"kZ ds nkSjku iquxZfBr [kkrs 'kwU; 'kwU;[k½ dqy cdk;k 'kwU; 'kwU;

[k½ csph xbZa xSj&fu"ikfnr foÙkh; vkfLr;ksa dk fooj.k ¼#- djksM+ esa½

fooj.k 2017-18 2016-17

1- csps x, [kkrksa dh la[;k 'kwU; 'kwU;2- dqy cdk;k 'kwU; 'kwU;3- çkIr dqy çfrQy 'kwU; 'kwU;

5-11 ekud vkfLr;ksa ij çko/kku ¼#- djksM+ esa½

ensa 2017-18 2016-17

ekud vkfLr;ksa ij çko/kku 287.22 375.87

vafdr ewY; esa ºkzl gsrq çko/kku iquxZfBr ekud vfxze 15.16 45.62

5-12 /kks[kk/kM+h laca/kh [kkrksa esa çko/kku¼#- djksM+ esa½

o"kZ fjiksVZ fd, x, /kks[kk/kM+h ds ekeys

lfEefyr jkf'k fd;k x;k çko/kku vifj'kksf/kr jkf'k vkt dh frfFk esa vifj'kksf/kr jkf'k

2017-18* 23 136.60 136.28 'kwU; 'kwU;2016-17# 16 178.78 178.76 'kwU; 'kwU;

* o"kZ 2017&18 esa olwyh xbZ jkf'k #- 0-32 djksM+# fnukad 31-03-2018 rd olwyh xbZ jkf'k #- 9-19 djksM+# /kks[kk/kM+h jkf'k esa lfEefyr eseksjsaMk C;kt #- 'kwU;

Punjab & Sind Bank

2017-18 237

5.9

A. Details of Sales (Rupees in crore)

Item 2017-18 2016-17(i) Number of Accounts Nil Nil(ii) Nil Nil(iii) Nil Nil(iv) Nil Nil(v) Nil Nil

B. Details of Book Value of Investments in Security Receipts (Rupees in crore)

Item 2017-18 2016-17(i) 37.99 0.00001(ii)

companies as underlying- -

Total 37.99 0.00001

5.10

(Rupees in crore)

2017-18 2016-171. (a) No. of accounts purchased during the year Nil Nil

(b) Aggregate outstanding Nil Nil2. (a) Of these, number of accounts restructured during the year Nil Nil

(b) Aggregate outstanding Nil Nil

(Rupees in crore)

2017-18 2016-171. No. of accounts sold Nil Nil2. Aggregate outstanding Nil Nil3. Nil Nil

5.11 Provisions on Standard Assets (Rupees in crore)

Item 2017-18 2016-17287.22 375.87

15.16 45.62

5.12 Provisioning pertaining to Fraud Accounts (Rs in crores)

Year No of Frauds Reported

Amount Involved Provision madeAmount Amount As on Date

2017-18* 23 136.60 136.28 Nil Nil

2016-17# 16 178.78 178.76 Nil Nil

* Amount Recovered in 2017-18 - Rs.0.32 crore

# Memoranda Interest included in Fraud Amount - Nil

iatkc ,.M fla/ cSad


5-13-1- Hkk-fj- cSad ds funs'kksa ds vuqlkj fnokfy;k çfØ;k vkjEHk djus gsrq&fnokyk rFkk 'kks/ku v{kerk dksM¼vkbZ-ch-lh-½ ds çko/kkuds varxZr lfEefyr 6 _.k [kkrksa ds laca/k esa fnukad 23 twu] 2017 ds i= la[;k Mhchvkj ua-chih-15199@21-04-048@2016&17 ds çko/kkuu 'krksaZ ds vuqlkj] cSad dks vfrfjä çko/kku djuk FkkA blh çdkj] fnokyk rFkk 'kks/ku v{kerk dksM ¼vkbZ-ch-lh-½ ds çko/kku ds varxZr lfEefyr 5 _.kh [kkrksa ds laca/k esa Hkk-fj- cSad ds fnukad 28 vxLr] 2017 ds laçs"k.k la[;k Mh-ch-vkj-ua-chih-1906@21-04-048@2017&18 ds vuqlkj] cSad dks vfrfjä çko/kku djuk vko';d FkkA vkxs] Hkk-fj- cSad ds laçs"k.k fnukad 02 vçSy] 2018 la[;k Mhchvkj-chih-8756@21-04-048@2017&18 ds vuqlkj] 31 ekpZ] 2018 dks ,u-lh-,y-Vh- [kkrs ds laca/k esa lajf{kr fgLls ij çko/kku dks 50% ls ?kVk dj lajf{kr fgLls ij 40% dj fn;k x;kA cSad us iqjkus [kkrksa ds laca/k esa miyC/k bl fodYi dk mi;ksx ugha fd;k tgk¡ igys ls fnlEcj] 2017 rd dh frekgh esa 50% dk çko/kku fd;k x;k FkkA cSad us ekpZ] 2018 ds nkSjku lfEefyr 2 ,ulh,yVh [kkrksa ds laca/k esa çko/kku dh vko';drk ds fodYi dk mi;ksx djrs gq, 40% dk çko/kku fd;k gSA

5-14 dqN cSdks us bl o"kZ ds nkSjku jRuksa vkSj vkHkw"k.k m/kkjdrkZ ds laca/k esa /kks[kk/kM+h ntZ dh A cSad us [kkrs dks xSj fu"ikfnr vkfLr;ksads :i esa oxhZ—r fd;k rFkk iwjh rjg ls rS;kj fd;kA

5-15-1 Hkk-fj- cSad us ifji= Mhchvkj ua chih-chlh-101@21-04-048@2017&18 fnukafdr Qjojh 12]2018 ds ek/;e ls rukoxzLrifjlaifÙk;ksa ds lek/kku ds fy, ,d la'kksf/kr ÝseodZ tkjh fd;k] tks ,lMhvkj ds orZeku fn'kkfunsZ'kksa dk vf/kØe.k djrk gS] ,lMhvkj rFkk ,l 4 ,l ds ckgj LokfeRo esa rqjar çHkko ls ifjorZu ¼dk;kZUo;u ds varxZr dh ifj;kstuk dks NksM+dj½ djrk gSA la'kksf/kr ÝseodZ ds varxZr] [kkrksa gsrq ykHk tgka bu ;kstukvksa dks buoksd fd;k x;k Fkk ysfdu vHkh rd iwjh rjg ls fØ;kfUor ugha fd;k x;k Fkk] dks buoksd dj fn;k x;k vkSj vk; igpku vkSj vkfLr oxhZdj.k ij Hkkjrh; fjtoZ cSad ds ekunaMksa ds vuqlkj bu [kkrksa dks oxhZ—r fd;k x;k gSA

6- dkjksckj vuqikr

ensa 2017-18 2016-17¼i½ vkSlr dk;Z'khy fuf/k;ksa dk C;kt vk; esa çfr'kr 7.42% 8.17%¼ii½ vkSlr dk;Z'khy fuf/k;ksa dk xSj C;kt vk; esa çfr'kr 0.54% 0.58%¼iii½ vkSlr dk;Z'khy fuf/k;ksa dk ifjpkyu ykHk esa çfr'kr 1.07% 1.24%¼iv½ vkfLr;ksa ls vk; (-)0.69% 0.20%¼v½ çfr deZpkjh ¼:i;s djksM+ esa½ dkjksckj ¼tekjkf'k;k¡ vfxze½ 18.18 15.34¼vi½ çfr deZpkjh ykHk ¼:i, djksM+ esa½ (-)0.08 0.02

7- vkfLr ns;rk çca/ku

31-03-2018 dks vkfLr;ksa vkSj ns;rkvksa dk ifjiDork Lo:i% ¼#- djksM+ esa½

ifjiDork Lo:i ¼le;kof/k½

tekjkf'k;ka _.k rFkk vfxze

fuos'k m/kkj fons'kh eqækns;rk,a vkfLr;k¡

1 fnu 861.67 1802.32 0.00 0.00 24.46 192.08

2&7 fnu 2819.51 847.95 268.43 99.98 0.25 20.438&14 fnu 2227.50 329.85 68.07 750.00 2.36 17.36

15&30 fnu 3803.22 1454.82 2.45 0.00 3.13 69.9831 fnu ls 2 ekg rd 6846.20 1360.19 344.57 0.00 14.53 69.942 ekg ls 3 ekg rd 6258.80 635.15 115.98 0.00 21.61 82.143 ekg ls vf/kd o 6 ekg rd 11149.23 2965.57 1583.00 19.00 28.37 74.466 ekg ls vf/kd o 1 o"kZ rd 30060.74 3008.52 2541.63 0.00 56.90 0.001 o"kZ ls vf/kd o 3 o"kZ rd 20048.64 11633.03 2272.20 139.00 222.45 119.793 o"kZ ls vf/kd o 5 o"kZ rd 9608.73 15055.75 4630.90 0.00 9.62 0.005 o"kZ ls vf/kd 8041.92 27476.30 21154.53 0.00 0.00 0.00dqy 101726.17 66569.45 32981.76 1007.98* 383.69 646.18

Punjab & Sind Bank

2017-18 239

dated August 28,2017 in respect of 5 borrowal accounts covered under the process of Insolvency and Bankruptcy Code

where any of these scheme had been invoked but not yet fully implemented.

31.03.2018.

6

Items 2017-18 2016-17(i) Interest Income as a percentage to average working funds 7.42% 8.17%(ii) Non-Interest Income as a percentage to average working funds 0.54% 0.58%(iii) 1.07% 1.24%(iv) Return on Assets (-)0.69% 0.20%(v) Business [Deposits plus Advances] per employee (Rs. in crore) 18.18 15.34(vi) (-)0.08 0.02

7. Asset Liability Management

(Rupees in crore)

(Time Buckets) Deposits Loans &Advances Investments Borrowings

Excl. BondsForeign Currency

Assets 1 day 861.67 1802.32 0.00 0.00 24.46 192.08 2 – 7 days 2819.51 847.95 268.43 99.98 0.25 20.43 8 – 14 days 2227.50 329.85 68.07 750.00 2.36 17.3615 - 30 days 3803.22 1454.82 2.45 0.00 3.13 69.9831 days to 2 months 6846.20 1360.19 344.57 0.00 14.53 69.94Over 2 months & upto 3 months 6258.80 635.15 115.98 0.00 21.61 82.14Over 3 months & up to 6 months 11149.23 2965.57 1583.00 19.00 28.37 74.46Over 6 months & up to 1 year 30060.74 3008.52 2541.63 0.00 56.90 0.00Over 1 year & up to 3 years 20048.64 11633.03 2272.20 139.00 222.45 119.79Over 3 years & up to 5 years 9608.73 15055.75 4630.90 0.00 9.62 0.00Over 5 years 8041.92 27476.30 21154.53 0.00 0.00 0.00Total 101726.17 66569.45 32981.76 1007.98* 383.69 646.18

iatkc ,.M fla/ cSad


8- _.k tksf[ke

8-1 okLrfod laink {ks= dks _.k tksf[ke ¼#- djksM+ esa½

Js.kh 31.03.2018 31.03.20171½ çR;{k tksf[ke

¼d½ fjgk;'kh ca/kdi- vkoklh; laifÙk dks ca/kd j[k _.k nsuk iw.kZr;k lqjf{kr gS 5413.32 4660.22ii- çkFkfedrks {ks= ds vfxze esa lekos'ku gsrq O;fäxr vkoklh; _.k mi;qä gSA 3974.94 3610.07¼[k½ O;kolkf;d vpy laifÙk

O;kolkf;d vpy laifÙk¼dk;kZy; bekjrksa][kqnjk {ks=]cgq mís'; O;kolkf;d ifjlj] cgq ifjokj vkoklh; bekjrksa] cgq fdjk;snkj O;kolkf;d ifjlj] vkS|ksfxd xksnke LFky]gksVy] tehu vf/kxzg.k]fodkl ,oa fuekZ.k]bR;kfn½ dks ca/kd j[k _.k nsuk iw.kZr;k lqjf{kr gSA fooj.k es xSj dks"k vk/kkfjr lhekvksa dks Hkh fy;k x;k gSA

2863.12 4623.82

¼x½ ca/kd lefFkZr çfrHkwfr;ka vkSj vU; çfrHkwfr—r fooj.k esa fuos'k 'kwU; 'kwU;d- vkoklh; 'kwU; 'kwU;[k- O;kolkf;d vpy laifÙk 'kwU; 'kwU;

2½ vçR;{k fooj.k ¼jk"Vªh; vkokl cSad vkSj vkokl foÙk daifu;ka ij dks"k ,oa xSj dks"k vk/kkfjr fooj.kA½

4937.98* 4549.34*

okLrfod laink {ks= esa dqy _.k Hkkxhnkjh 13214.42 13833.38

*,u,pch rFkk gkmflax Qkbukal daifu;ksa esa fd, x, #- 1521-83 djksM+ ds fuos'k 'kkfey gSaA

8-2 iw¡th cktkj esa _.k Hkkxhnkjh ¼,Dlikstj½¼#- djksM+ esa½

ensa 31.03.2018 31.03.2017

1- bfDoVh 'ks;jksa] ifjorZuh; ck.M] ifjorZuh; _.k i=ksa rFkk bfDoVh mUeq[k E;qpqvy Q.Mksa ds ;wfuVksa esa fuos'k ftudk iw.kZ :i ls dEiuh _.kksa esa fofu;ksx ughaa fd;k x;k

335-44 90-82

2- lkekU; va'kksa ¼vkbZ-ih-vks-@bZ-,l-vks-ih-,l½ ifjorZuh; ckaMl] ifjorZuh; _.ki=ksa rFkk bfDoVh mUeq[k E;wpqvy QaMksa esa fofu;ksx ds fy, va'[email protected]@_.k i=ksa ;k vU; çfrHkwfr;ksa ds ,ot esa ,dy Lokfe;ksa dks fn, x, vfxze

1-20 'kwU;

3- fdlh vU; mís'; gsrq fn;k x;k vfxze tgk¡ va'kksa ;k ifjorZuh; va'kksa ;k ifjorZuh; _.k&i=ksa ;k bfDoVh mUeq[k E;qpqvy Q.Mksa dks çkFkfed çfrHkwfr ds :i esa fy;k x;k gS

'kwU; 'kwU;

4- va'kksa dh laikf'kZ~od çfrHkwfr ;k ifjorZuh; ck.Mksa ;k ifjorZuh; _.k i=ksa ;k bfDoVh mUeq[k E;qpqvy Q.Mksa }kjk çR;kHkwr vU; mís';ksa gsrq fn, x, vfxze vFkkZr tgk¡ ij va'kks@ifjorZuh; ck.Mksa@ifjorZuh; _.k&i=ksa@bfDoVh mUeq[k E;qpqvy Q.Mksa ij fn, x, vfxzeksa dks çkFkfed çfrHkwfr }kjk iw.kZ :i ls çR;kHkwr ughaa fd;k x;k

'kwU; 'kwU;

5- LV‚d czksdjksa dks tekurh o xSj&tekurh vfxze rFkk LV‚d czksdjksa vkSj ekfdZV esdlZ }kjk tkjh xkjafV;ka

6-89 7-28

6- ubZ dEifu;ksa dh bfDoVh gsrq fuf/k ,df=r djus ds fy, rFkk çorZdksa ds va'knku dks iwjk djus ds fy, tks va'[email protected]@_.k&i=ksa ;k vU; çfrHkwfr;k¡ ;k fucaZ/k vk/kkj ij daifu;ksa ds laLoh—r _.k

'kwU; 'kwU;

7- çR;kf'kr bfDoVh miyC/krk@fuxZeksa ij dEifu;ksa dks iwjd _.k 'kwU; 'kwU;

8- çkFkfed va'kksa ;k ifjorZuh; ck.Mksa ;k ifjorZuh; _.k&i=ksa ;k bfDoVh mUeq[k E;qpqvy Q.Mksa ds laca/k esa cSadksa }kjk fd, gkehnkjh ok;ns

'kwU; 'kwU;

9- ekftZu lkSnksa gsrq LV‚d czksdjksa dks fn;k x;k foÙk 'kwU; 'kwU;

10- iwath fuf/k;ksa ij _.k tksf[ke ¼iath—r rFkk viath—r½ 6-95 7-88

iwath cktkj esa dqy _.k Hkkxhnkjh 348-28 105-98

Punjab & Sind Bank

2017-18 241

8. Exposures :

8.1 Exposure to Real Estate Sector (Rupees in crore)Category 31.03.2018 31.03.2017

1) Direct Exposure(a)

i.occupied by the borrower or that is rented

5413.32 4660.22

ii. Individual housing loans eligible for inclusion in priority sector advances 3974.94 3610.07(b) Commercial Real Estate

2863.12 4623.82

(c) Nil

a. Nilb. Commercial Real Estate Nil

2) Indirect Exposure

Housing Finance Companies (HFCs)]

4937.98* 4549.34*

Total Exposure to Real Estate Sector 13214.42 13833.38

8.2 Exposure to Capital Market (Rupees in crore)Items 31.03.2018 31.03.2017

1.334.24 90.82

2. 1.20

3.

4. Advances for any other purposes to the extent secured by the collateral security of

5. Secured and unsecured advances to stockbrokers and guarantees issued on behalf of stockbrokers and market makers

6.89 7.28

6.

7.8.

9.10. All exposures to Venture Capital Funds (both registered and unregistered) 6.95 7.88

Total Exposure to Capital Market 349.28 105.98

iatkc ,.M fla/ cSad


8-3 tksf[ke Js.khokj daVªh ,Dlikstjns'kkarj vk/kkj ij cSad }kjk fons'kh fofue; ysu&nsu ds laca/k esa fn, x, fuoy _.k tks çR;sd ns'k ls lacaf/kr gS] cSad dh dqy vkfLr;ksa ds 1% ds vanj gSaA vr% Hkkjrh; fjt+oZ cSad ds fn'kk funsZ'kkuqlkj fdlh çdkj ds çko/kku dh vko';drk ughaa gSA

8-4 cSad }kjk vfrØe.k dh xbZ ,dy mèkkjh lhek ¼,lth,y½] lewg mèkkjh lhek ¼thch,y½ dk C;kSjko"kZ 2017&18 ds nkSjku cSad us Hkkjrh; fjt+oZ cSad }kjk ,dy m/kkjh@lewg m/kkjh gsrq fu/kkZfjr foosdiw.kZ _.k lhek dk fuEu ekeyksads vfrfjDr] ftu ij cksMZ dk vuqeksnu çkIr dj fy;k x;k gS] vfrØe.k ughaa fd;k gS%

Ø-la- m/kkfj;ksa ds uke o"kZ ds nkSjku vf/kdre _.k lhek

fnukad ds vuqlkj _.k tksf[ke¼%½

31-03-2018 dks_.k lhek@ ns;rk,a

_.k tksf[ke ¼%½

1- dukZVdk ikoj d‚iksZ-fyfeVsM 916.55 11.84 916.55 11.84

2- dys'oje~ bfjxs'ku izkstsDV d‚iksZ-fyfeaVsM 1500.00 19.38 690.26 8.92

3- eSllZ vkU/kz çns'k LVsV flfoy lIykbZ d‚iksZ- fyfeVsM

1500.00 19.38 1490.45 19.26

4- rsyaxkuk fMªafdax okVj lIykbZ d‚iksZ- fyfeVsM 1481.40 19.14 395.88 5.12

5- gfj;k.kk LVsV vjcu MsoyiesaV vkfFkfjVh 950.00 12.27 'kwU; --

8-5 vewrZ laikf'oZd çfrHkwfr;ksa ij çfrHkwfr jfgr vfxze ¼#- djksM+ esa½

fooj.k 31-03-2018 31-03-2017vewrZ çfrHkwfr;ksa gsrq dqy vfxze tSls vf/kdkjksa] çkf/kdkj] ykbZlsalksa vkfn ij _.k Hkkj 96.75 224.31

vewrZ çfrHkwfr;ksa dh dqy vuqekfur ewY; tSls vf/kdkjksa] çkf/kdkj] ykbZlsalksa ij _.k Hkkj 149.19 128.50

8-6 varj cSad lgHkkfxrk çek.ki= ¼vkbZchihlh½

Hkk-fj- cSad }kjk fnukad 31 fnlEcj] 1988 dks tkjh fn'kk&funsZ'kksa ds vuqlkj #- 3030-54 djksM+ dk tksf[ke ckaVus ds vk/kkj ij vf/kdre 180 fnu ds fy, varj cSad lgHkkfxrk çek.ki= ¼vkbZchihlh½ tkjh fd;k x;k gS ftlds dkj.k dqN lhek rd fnukad 31-03-2018 dks cSad ds dqy vfxze ml lhek rd de gks x, gSaA

9-1 Hkkjrh; fjt+oZ cSad }kjk yxk, x, n.M dk çdVhdj.k¼#- djksM+ esa½

2017&18 2016&17d- o"kZ ds nkSjku cSd ij Hkkjrh; fjt+oZ cSad }kjk yxk;k tqekZuk 'kwU; 'kwU;[k- çfrdwy rF;ksa ds vk/kkj ij Hkkjrh; fjt+oZ cSad }kjk fn, x, funsZ'k ;k çfrdwy fVIif.k;k¡ 'kwU; 'kwU;

9-2 cSadk';ksjsal O;olk; ds laca/k çkIr 'kqYd@ikfjJfed dk çdVhdj.k ¼#- djksM+ esa½

2017-18 2016-17

d- thou chek O;kikj ls çkIr 'kqYd@ikfjJfed 1.60 0.98

[k- lk/kkj.k chek O;kikj ls çkIr 'kqYd@ikfjJfed 'kwU; 'kwU;x- ,ihokbZ ij deh'ku 0.69 0.12

10- ekud ys[kkadu vuqlkj çdVhdj.k ¼,,l½

10-1 ,,l&5 vof/k ds fy, fuoy ykHk&gkfu] iwoZ vof/k ensa rFkk ys[kkadu uhfr;ksa esa ifjorZu

10-1-1 ykHk&gkfu [kkrs esa iwoZ vof/k dh dksbZ ensa 'kkfey ughaa gS ftUgsa Hkkjrh; fjt+oZ cSad ds fn'kk&funsZ'kksa ds vuqlkj ,,l&5 esa crk;ktkuk gks] flok; muds ftUgsa fVIif.k;ksa esa dgha vkSj n'kkZ;k x;k gSA

Punjab & Sind Bank

2017-18 243

8.3 Risk Category wise Country Exposure

8.4 Details of Single Borrower Limit (SGL), Group Borrower Limit (GBL) exceeded by the Bank

borrower, except in the following case, which has been approved by the Board:

Sl.No.

Name of the Borrower Maximum Limit during

the year

Exposure (%) as on

31.03.2018

Limit / Liability as on

31.03.18

Exposure (%)(of capital fund

of Rs.7739.36Cr.)1. 916.55 11.84 916.55 11.842. 1500.00 19.38 690.26 8.923 1500.00 19.38 1490.45 19.264 1481.40 19.14 395.88 5.125 Haryana State Urban Development authority 950.00 12.27 Nil --

8.5 Unsecured Advances against Intangible Collaterals

(Rs. in crore)

As on 31.03.2018 As on 31.03.2017

licenses, authority etc.96.75 224.31

authority etc.149.19 128.50

8.6

of Rs. 2000 crore has been issued on 18.02.2018 on risk sharing basis for maximum period of 180 days.

9.1(Rs. in crore)

2017-18 2016-17NillNill

9.2(Rs. In crore)

2017-18 2016-171.60 0.98

0.69 0.12

10.1

RBI guidelines except those disclosed elsewhere in the notes.

iatkc ,.M fla/ cSad


10-2 ,,l &6 ewY;ºkzl ys[kkadu

çR;sd Js.kh dh vkfLr;ksa ds fy, dqy ewY;ºkzl dk czsd&vi ¼#- djksM+ esa½

vkfLr;ksa dh Js.kh 2017-18 2016-17

ifjlj 31.95 36.60

vU; LFkk;h vkfLr;k¡ 32.15 34.69

dqy 64.10 71.29

10-2-1 laifÙk la;a= vkSj midj.k ij ys[kkadu ekud &10 ¼la'kksf/kr 2016½] 1 vçSy 2017 ls ykxw ] ds vuqlkj fuf'pr ifjlaifÙk;ksads la'kksf/kr fgLls ij] ykHk vkSj gkfu [kkrksa ds ØsfMV djus ftlls 26-26 djksM+ rd dh ykHk esa deh ds ctk,] pkyw o"kZ ds nkSjku26-26 djksM+ #i;s dk ewY;ºzkl iqueqZY;kafdr fjtoZ ls jktLo fjtoZ esa LFkkukarfjr dj fn;k x;k gS A

10-2-2 fnukad 31-03-2018 rd fØ;kUo;[email protected] ds varxZr dh iwath çfrc)rk,a #- 76-70 djksM+ gSaA

10-3 ,,l&9 jktLo ekU;rk

10-3-1 vk; dh dqN enksa dks egRoiw.kZ ys[kkadu uhfr& vuqlwph&17 dh en la[;k 8 ¼jktLo ekU;rk½ esa çdV enksa dks olwyh dsvk/kkj ij ekU;rk nh xbZ gSA fQj Hkh Hkkjrh; fjt+oZ cSad ds funsZ'kkuqlkj mä vk; dks Bksl u ekuk tk,A

10-4 ,,l 15 & deZpkjh ykHk

10-4-1 isa'ku] xzsP;qVh] Nqêh udnhdj.k rFkk vU; nh?kkZof/k ykHk gsrq çko/kkuksa dks vkbZ-lh-,-vkbZ }kjk tkjh la'kksf/kr ys[kk ekud¼,-,,l&15½ ds vk/kkj ij fd;k x;k gSA

vkjchvkbZ us vius i= Mhchvkj la-ch ih-ch lh- 9730@21-4-018@2017&18 fnukad vçSy 27]2018 ds ek/;e ls cSadks dks ;g fodYi fn;k gS fd os xzSP;qbVh Hkqxrku vf/kfu;e]1972 ds rgr fnukad 29-03-2018 ls 10 yk[k ls 20 yk[k rd c<+s xzSP;qbVh lhek ij] frekgh ekpZ 31]2018 dh lekfIr ls 'kq# pkj frekfg;ksa ij vfrfjä ns;rk dk çlkj dj ldrs gSaA cSadks us bl fodYi dk ç;ksx fd;k gS vkSj frekgh ds nkSjku 18-00 djksM+ :i, pktZ fd, gSa vkSj vkus okys foÙkh; o"kZ dh vkxkeh rhu frekfg;ksa ds fy, 54 djksM+ #i;s vkLFkfxr fd, gSaA

10-4-2 ykHk&gkfu [kkrs rFkk rqyu i= esa ekU;rk çkIr fu;kstuksÙkj ykHkksa dh laf{kIr fLFkfr fuEukuqlkj gS%

10-4-3 ck/;rkvksa ds orZeku ewY; esa ifjorZu¼#- djksM+ esa½

fooj.k isa'ku ¼fuf/kd½ xzSP;qVh ¼fuf/kd½ Nqêh udnhdj.k ¼fuf/kd½

2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

fu/kkZfjr ykHk ck/;rk dk 1 vçSy dks ewY; 3041.10 2727.92 230.25 232.58 105.87 117.40

C;kt ykxr 216.52 193.79 15.82 14.96 6.93 7.31

foxr~ lsok ykxr 80.34

orZeku lsok ykxr 99.74 219.31 15.09 12.14 11.55 3.31

çnÙk ykHk (300.73) (288.06) (50.09) (66.12) (31.89) (39.66)

ck/;rk ij chekafdd gkfu@¼ykHk½ 144.24 188.14 74.92 36.69 46.97 17.49

fu/kkZfjr ykHk ck/;rk dk 31 ekpZ dks ewY; 3200.85 3041.10 298.90 230.25 139.43 105.87

Punjab & Sind Bank

2017-18 245

Class of Assets 2017-18 2016-1731.95 36.60

Other Fixed Assets 32.15 34.69Total 64.10 71.29

st April 2017,

material.

10.4

10.4.3(Rs. in crore)

Pension (Funded) Gratuity (Funded) Leave Encashment(funded)

2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

3041.10 2727.92 230.25 232.58 105.87 117.40

Interest cost 216.52 193.79 15.82 14.96 6.93 7.31

80.34

Current service cost 99.74 219.31 15.09 12.14 11.55 3.31

(300.73) (288.06) (50.09) (66.12) (31.89) (39.66)

144.24 188.14 74.92 36.69 46.97 17.49

3200.85 3041.10 298.90 230.25 139.43 105.87

iatkc ,.M fla/ cSad


10-4-4 ;kstukxr vkfLr;ksa ds orZeku ewY; esa ifjorZu¼#- djksM+ esa½

fooj.k isa'ku ¼fuf/kd½ xzSP;qVh ¼fuf/kd½ vodk'k udnhdj.k ¼fuf/kd½

2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

;kstukxr vkfLr;ksa dk 1 vçSy dks ewY; 2981.00 2580.72 208.64 197.83 104.86 116.97

;kstukxr vkfLr;ksa ls visf{kr çfrykHk 244.74 220.65 16.59 17.11 10.35 10.53

fu;ksäk va'knku 263.81 345.42 49.79 58.07 21.13 16.25

?kVk,a çnÙk ykHk (300.73) (288.06) (50.09) (66.12) (31.89) (39.66)

chekafdd ¼gkfu½@ykHk (35.6) 122.27 (0.15) 1.75 (0.65) 0.77

;kstukxr vkfLr;ksa dk 31 ekpZ dks mfpr ewY; 3153.22 2981.00 224.78 208.64 103.80 104.86

;kstukxr vkfLr;ksa ij okLrfod çfrykHk 209.14 342.92 16.44 18.86 9.70 11.30

10-4-5 'kq) chekafdd gkfu @¼ykHk½ ¼#- djksM+ esa½

fooj.k isa'ku ¼fuf/kd½ xzsP;qVh ¼fuf/kd½ vodk'k udnh ¼fuf/kd½

2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

ewY;kafdd gkfu@¼ykHk½ nkf;Ro ¼,½ 144.24 188.14 74.92 36.69 46.97 17.49

Iyku vkfLr;ksa ij ¼ch½ ewY;kafdd gkfu@¼ykHk½ 35.6 (122.27) 0.15 (1.75) (0.65) (0.77)

'kq) ewY;kafdd gkfu@¼ykHk½ 179.84 65.87 75.07 34.94 46.32 16.72

vof/k ds nkSjku igpku dh xbZ gkfu@¼ykHk½ 179.84 65.87 75.07 34.94 46.32 16.72

o"kZ ds var esa fcuk igpku okyh ewY;kafdd gkfu@¼ykHk½

'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU;

10-4-6 rqyu&i= esa igpkuh xbZ jkf'k¼#- djksM+ esa½


2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

31 ekpZ dks ifjHkkf"kr ykHk ns;rk dk orZeku ewY;

3200.85 3041.10 298.90 230.25 139.43 105.87

?kVk,a % 31 ekpZ dks Iyku vkfLr;ksa dk mfpr ewY;

3153.22 2981.00 224.78 208.64 103.80 104.86

rqyu i= esa igpku dh xÃ xSj fufèk 'kq) vkfLr@ns;rk

(47.63) (60.10) (74.12) (21.61) (35.63) (1.01)

fd, x, mPp çkoèkku (30.00) 'kwU; 'kwU; 'kwU; 'kwU; 'kwU;

o"kZ ds nkSjku ekU; ifjorhZ ns;rk -- 54.00

vekU; ifjorhZ ns;rk --

rqyu i= esa igpku dh xÃ xSj fufèk 'kq) vkfLr@ns;rk

(77.63) (60.10) (20.12) 21.61 (35.63) (1.01)

Punjab & Sind Bank

2017-18 247

10.4.4 Changes in the Present Value of Plan Assets(Rs. in crore)


2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

2981.00 2580.72 208.64 197.83 104.86 116.97

244.74 220.65 16.59 17.11 10.35 10.53

263.81 345.42 49.79 58.07 21.13 16.25

(300.73) (288.06) (50.09) (66.12) (31.89) (39.66)

(35.6) 122.27 (0.15) 1.75 (0.65) 0.77

3153.22 2981.00 224.78 208.64 103.80 104.86

209.14 342.92 16.44 18.86 9.70 11.30

10.4.5 Net Actuarial Loss/ (Gain)(Rs. in crore)


2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

144.24 188.14 74.92 36.69 46.97 17.49

35.6 (122.27) 0.15 (1.75) (0.65) (0.77)

179.84 65.87 75.07 34.94 46.32 16.72

179.84 65.87 75.07 34.94 46.32 16.72

end of the yearNil Nil Nil Nil Nil Nil



2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

3200.85 3041.10 298.90 230.25 139.43 105.87

March 3153.22 2981.00 224.78 208.64 103.80 104.86

(47.63) (60.10) (74.12) (21.61) (35.63) (1.01)

(30.00) Nil Nil Nil Nil Nil

year-- 54.00

--

(77.63) (60.10) (20.12) 21.61 (35.63) (1.01)

iatkc ,.M fla/ cSad


10-4-7 ykHk rFkk gkfu [kkrs esa O;;ksa dh igpku ¼#- djksM+ esa½


2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

pkyw lsok ykxr 99.74 219.31 15.09 12.14 11.55 3.31

chrh gqbZ lsok ykxr 80.34

C;kt ykxr 216.52 193.79 15.82 14.96 6.93 7.31

Iyku vkfLr;ksa ij vuqekfur fjVuZ (244.74) (220.65) (16.59) (17.11) (10.35) (10.53)

o"kZ ds nkSjku 'kq) ewY;kafdr ¼ykHk½@gkfu 179.84 65.87 7.63 34.94 42.72 16.72

'kq) ¼ykHk½ O;; 251.35 258.32 102.29 44.93 50.86 16.83

10-4-8 rqyu&i= esa igpkuh xbZ ns;rkvksa esa mrkj&p<+ko ¼#- djksM+ esa½


2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

çkjafHkd 'kq) ns;rk@ vkfLr;ka 60.10 147.20 21.61 34.75 1.01 (0.43)

'kq) ykHk O;; 251.35 258.32 102.29 44.93 55.75 16.83

?kVk,a & fn;k x;k va'k 263.81 345.42 49.79 58.07 21.13 16.25

vfUre ns;rk@vkfLr;ka 47.64 60.10 74.11 21.61 35.63 1.01

tksM+sa & fd, x, mPp izkoèkku 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU;vfUre ns;rk@vkfLr;ka 47.64 60.10 74.11 21.61 35.63 1.01

10-4-9 U;kl }kjk j[ks tkus okyk fuos'k çfr'kr ¼çfr'kr esa½

fooj.k isa'ku ¼fuf/kd½ xzsP;qVh ¼fuf/kd½ vodk'k udnh ¼fuf/kd½2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

dsUæh; ljdkj dh çfrHkwfr;ka 13.29 14.84 1.44 1.56 'kwU; 'kwU;jkT; ljdkj dh çfrHkwfr;ka 31.60 33.94 --- -- 'kwU; 'kwU;mPp Lrjh; dksjiksjsV ckaMl 30.55 35.22 26.59 28.61 'kwU; 'kwU;vU; fuos'k 24.57 16.00 71.98 69.83 100 100

10-4-10 rqyu&i= dh frfFk dks ewy chekafdd ewY;kadu¼çfr'kr esa½


2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

cêk nj 7.49 7.50 7.71 7.50 7.71 7.50

Iyku vkfLr;ksa ij vuqekfur ykHk nj 8.21 8.55 7.95 8.65 9.87 9.00

osru esa o`f) dh nj 5.00 5.00 5.00 5.00 5.00 5.00

vuq'k; nj 1.00 1.00 1.00 1.00 1.00 1.00

ç;ksx esa ykÃ xÃ ç.kkyh ih;wlh ih;wlh ih;wlh ih;wlh ih;wlh ih;wlh

Punjab & Sind Bank

2017-18 249



2017-18 2016-17 2017-18 2016-17 2017-18 2016-17Current service cost 99.74 219.31 15.09 12.14 11.55 3.31

80.34Interest cost 216.52 193.79 15.82 14.96 6.93 7.31Expected return on plan assets (244.74) (220.65) (16.59) (17.11) (10.35) (10.53)

during the year179.84 65.87 7.63 34.94 42.72 16.72

251.35 258.32 102.29 44.93 50.86 16.83



2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

60.10 147.20 21.61 34.75 1.01 (0.43)251.35 258.32 102.29 44.93 55.75 16.83263.81 345.42 49.79 58.07 21.13 16.25

47.64 60.10 74.11 21.61 35.63 1.01Nil Nil Nil Nil Nil Nil

47.64 60.10 74.11 21.61 35.63 1.01

10.4.9 Investment percentage maintained by the trust(in % age)


2017-18 2016-17 2017-18 2016-17 2017-18 2016-1713.29 14.84 1.44 1.56 Nil Nil31.60 33.94 --- -- Nil Nil30.55 35.22 26.59 28.61 Nil Nil

Other investments 24.57 16.00 71.98 69.83 100 100

10.4.10(in % age)


2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

Discount rate 7.49 7.50 7.71 7.50 7.71 7.50Expected rate of return on plan assets 8.21 8.55 7.95 8.65 9.87 9.00

5.00 5.00 5.00 5.00 5.00 5.001.00 1.00 1.00 1.00 1.00 1.00

Method used

iatkc ,.M fla/ cSad


10-4-11 chekafdd ewY;kadu dk vk/kkj

fooj.k ewY;kadu dk vk/kkjcêk nj ns;rk ds vuqekfur vk/kkj ij ljdkjh ckaMksa dh 'krksaZ ds vuq:i rqyu&i= dh frfFk ij cktkj ds vuq#i

ykHk ds lanHkZ esa cêk nj dk fu/kkZj.k fd;k x;k gSAIyku vkfLr;ksa ij vuqekfur nj

lacaf/kr ns;rk dh iw.kZ vof/k gsrq vof/k ds çkjaHk ds le; ij Iyku vkfLr;ksa ij vuqekfur ykHk cktkj vuqekuksa ij vk/kkfjr gSA

osru esa o`f) dh nj chekafdd ewY;kadu esa Hkfo"; esa osru o`f) dks /;ku esa j[kk x;k rFkk eqæk çlkj] ofj"Brk] çksUufr rFkk vU; lacaf/kr ?kVdksa tSls Jfed cktkj esa ekax rFkk vkiwrhZ ij fopkj fd;k x;k gSA

vuq'k; nj vuq'k; nj dk fu/kkZj.k iwoZ rFkk vuqekfur Hkfo"; ds vuqHko ds vuqlkj fu/kkZfjr fd;k x;k gS rFkk e`R;q dks NksM+dj blesa leLr çdkj ds vkgj.k lfEefyr gS ysfdu blesa viaxrk dkjd Hkh 'kkfey gSA

10-4-12 vU; nh?kZ vof/k okys deZpkjh ykHk ¼xSj fuf/kd½¼#- djksM+ esa½

fooj.k ,yVhlh@,y,Qlhudnhdj.k*

flYoj tqcyh cksul esfMdy ykHk* lsok fuo`fÙk migkj

2017-18 2016-17 2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

ns;rk dk orZeku ewY; 6.949 6.90 1.01 1.07 0.616 0.61 1.40 1.70

ikjxeu ns;rk 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU;o"kZ ds nkSjku igpkuh xÃ ikjxeu ns;rk

'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU;

igpku u dh xÃ ikjxeu ns;rk 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU;fd, x, mPp çkoèkku 'kwU; 'kwU; 'kwU; 0-09 'kwU; 'kwU; 'kwU; 'kwU;rqyu&i= esa igpkuh xÃ ns;rk 6.949 6.90 1.01 1.07 0.616 0.61 1.40 1.70

* tSlk fd izca/ku us vkdyu fd;kA

10-4-13 uoacj] 2017 ls çHkkoh etnwjh la'kks/ku ds dkj.k mRiUu gksus okyh ns;rk dks iwjh djus ds fy, #-500 djksM+ ds ,d vLFkkbZçko/kku dk l`tu fd;k x;k gSA visf{kr tkudkjh ds vHkko esa] ns;rk dk irk ugha yxk;k tk ldk vkSj vLFkk;h :i ls çnku fd;k x;kA

10-5 ys[kkekud & 17 & [kaM fjiksfVZx

Hkkx d% O;kikj [kaM ¼#- yk[kksa esa½

fooj.k 31-03-2018 31-03-20171- [k.M jktLo

d- jktdks"k 271036 251756

[k- dkiksZjsV@lexz cSafdax 385956 411907

x- QqVdj cSafdax 195774 211324

?k- vU; cSafdax ifjpkyu 229 110

dqy 852995 875097

2- [kaM ifj.kked- jktdks"k 76800 63110

[k dkiksZjsV@lexz cSafdax 57976 64874

Punjab & Sind Bank

2017-18 251

10.4.11

Discount rate Discount rate has been determined by reference to market yield on the balance sheet date on

Expected rate of return on plan assets

in salary

all type of withdrawals other than death but including those due to disability.


LTC/LFCEncashment *

Silver jubilee Bonus Medical

2017-18 2016-17 2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

6.949 6.90 1.01 1.07 0.616 0.61 1.40 1.70

during the year

liability

Balance Sheet6.949 6.90 1.01 1.07 0.616 0.61 1.40 1.70

* As assessed by the management

10.4.13An ad-hoc provision of Rs. 50.00 crore has been made to meet the likely liability arising on account of Wage Revision

provisionally provided for.

Part A : Business Segment :

Year ended 31.03.18 (Audited)

Year ended 31.03.17 (Audited)

1. Segment Revenue

a) Treasury 271036 251756

385956 411907

c) Retail Banking 195774 211324

229 110

Total 852995 875097

2. Segment Result

a) Treasury 76800 63110

57976 64874

iatkc ,.M fla/ cSad




dqy 164413 161377

3- xSj&vkcafVr O;; 49942 37189

4- ifjpkyu ykHk 114471 124188

5- çko/kku o vkdfLed ns;rk,a 173955 99141

6- vk;dj 14896 4939

7- fo'ks"k ykHk@gkfu 0 0

8- 'kq) ykHk -74380 20108

vU; lwpuk9- [kaM vkfLr;ka

d- jktdks"k 3360208 2837592




M- xSj&vkcafVr vkfLr;ka 81489 58006

dqy vkfLr;ka 11375924 9664344

10- [kaM ns;rk,ad- jktdks"k 3198598 2671952




M- xSj&vkcafVr vkfLr;ka 6429 4513

dqy vkfLr;ka 10757656 9050097

uksV% ekud ,-,l&17 rFkk Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr fn'kk&funsZ'kksa ds vuq:i [kaM fjiksfVZx ds mís'; ls cSad ds O;olk; dks pkj [kaMksa esa oxhZ—r fd;k x;k gS tksfd d- jktdks"k ifjpkyu [k- dkjiksjsV@Fkksd cSafdax x- QqVdj cSafdax ?k- vU; cSafdax ifjpkyu gS¡A d‚jiksjsV@Fkksd rFkk QqVdj cSafdax [kaM ds laca/k esa [kaMh; jktLo] ifj.kke] vkfLr rFkk ns;rkvksa dks bu [kaMksa esa fn, x, _.kksads vk/kkj ij oxhZ—r fd;k x;k gSAtgk¡ [kaMksa ls lacaf/kr vkfLr rFkk ns;rk vkcafVr dh xbZ gks rFkk tgk¡ ij ;s çR;{kr% muls lacaf/kr u gks] mudk vkcaVu ;Fkk vuqikr [kaM jktLo ds vk/kkj ij fd;k x;k gSA

Hkkx [k% HkkSxksfyd [kaM

cSad dh fons'k esa dksbZ Hkh 'kk[kk ughaa gS] blfy, HkkSxksfyd [kaM dh tkudkjh nsus dh vko';drk ughaa gSA

10-6 ys[kk ekud 18 & lacaf/kr ikVhZ çdVhdj.keq[; çca/ku vf/kdkjh

¼1½ Jh tÇrnjchj Çlg fnukad 04-02-2014 ls vè;{k ,oa çcaèk funs'kd vkSj fnukad 31-12-2017 dks lsokfuo`Ùk¼2½ Jh eqds'k dqekj tSu fnukad 05-08-2013 ls dk;Zdkjh funs'kd vkSj fnukad 14-07-2017 dks dk;ZeqDr¼3½ Jh vjfoUn dqekj tSu fnukad 15-12-2015 ls dk;Zdkjh funs'kd vkSj fnukad 31-01-2017 dks lsokfuo`Ùk gks x,A¼4½ Jh Qjhn vgen fnukad 17-02-2017 ls dk;Zdkjh funs'kd¼5½ Jh xksfoan ,u Mksaxzs fnukad 10-10-2017 ls dk;Zdkjh funs'kd

Punjab & Sind Bank

2017-18 253


229 110

Total 164413 161377

3. Unallocated Expenses 49942 37189

114471 124188

173955 99141

6. Income Tax 14896 4939

0 0

-74380 20108

9. Segment Assets

a) Treasury 3360208 2837592

5264059 4473607


0 0

e) Unallocated Assets 81489 58006

Total Assets 11375924 9664344

a) Treasury 3198598 2671952

5010883 4212468


0 0

6429 4513

10757656 9050097

bifurcated on the basis of exposure to these segments.

directly related have been allocated on the basis of pro-rata segment revenue.

Part B : Geographical Segment :

10.6Key Managerial Personnel:

(i)(ii)(iii)(iv) Mr. Fareed Ahmed(v) Mr.Govind N.Dongre

iatkc ,.M fla/ cSad


d- çeq[k çca/ku vf/kdkfj;ksa dks fn;k x;k ikfjJfed#- yk[kksa esa

uke ,oa inuke 2017-18 2016-17

Jh tfranjchj flag] v/;{k ,oa çca/k funs'kd 21.33 28.02

Jh eqds'k dqekj tSu] dk;Zdkjh funs'kd 6.91 23.61

Jh vjfoUn dqekj tSu] dk;Zdkjh funs'kd 0.03 19.33

Jh Qjhn vgen] dk;Zdkjh funs'kd 22.44 2.57

Jh xksfoan ,u Mksaxzs] dk;Zdkjh funs'kd 10.60 'kwU;

[k½ çeq[k çca/ku vf/kdkfj;ksa ,oa muds lacaf/k;ksa dks fn, x, _.k%

fooj.k fnukad 31-03-2018 fnukad 31-03-2017cdk;k _.k 'kwU; 'kwU;

x½ lEcfU/kr ikVhZ dk uke & lryqt xzkeh.k cSad ¼lg;ksxh½,l&18 ds iSjk 9 esa lEcfU/kr ikVhZ ds çdVu esa] tks jkT; fu;af=r m|eksa dks vU; lEcfU/kr ikfVZ;ksa] tks jkT; }kjk gh fu;af=r dh tkrh gS] ds lkFk fd, x, ysu&nsu dk çdVu djus ls NwV nsrk gSA vr% lg;ksxh cSad ds lkFk fd, x, ysu&nsu dk çdVu ughaa fd;k x;k gSA

10-7 çfr 'ks;j vk; ¼,,l&20½ ¼#- djksM+ esa½

fooj.k 2017-18 2016-17

bfDoVh 'ks;j /kkjdksa gsrq dj ds ckn dqy ykHk ¼#- djksM+ esa½ -743.80 201.08

bfDoVh 'ks;jksa dh Hkkfjr vkSlr la[;k ¼djksM+ esa½ 40.22 40.04

vk/kkj ,oa de dh xbZ çfr 'ks;j vk; ¼#-½ -18.49 5.02

çfr 'ks;j vafdr ewY; ¼#-½ 10.00 10.00

10-8 ys[kk ekud 21& lesfdr foÙkh; fooj.kh

cSad dh dksbZ vuq"kaxh ughaa gS vr% ys[kkekud 21 ykxw ughaa gSA

10-9 ys[kk ekud 22 & vk; ij djksa gsrq ys[kkadu

10-9-1 cSad us vk;dj ys[kk&tks[kk esa Hkkjrh; lunh ys[kkdkj laLFkku }kjk tkjh ys[kk ekud 22] ^vk; ij djksa dk ys[kkadu* dkvuqikyu fd;k gSA

10-9-2 vkLFkfxr dj vfLr;ksa@ ns;rkvksa ds eq[; ?kVd fuEukuqlkj gS%¼#- djksM+ esa½

fo"k; vkLFkfxr dj vkfLr;k¡ vkLFkfxr dj ns;rk,a31-03-2018 31-03-2017 31-03-2018 31-03-2017

1- LFkk;h vkfLr;ksa ij ewY;ºzkl 'kwU; 'kwU; 3.11 0.23

2- la'kksf/kr etnwjh dk izko/kku 17.30 'kwU; 'kwU; 'kwU;3- èkkjk 36 ¼1½¼viii½ ds varxZr fo'ks"k fjt+oZ 'kwU; 'kwU; 60.39 51.75

4- fuos'kksa gsrq ,uih, ij çko/kku 18.42 8.45 - 'kwU;5- xans rFkk lansgtud _.kksa gsrq çko/kku ¼,uih,½ 615.86 250.31 - 'kwU;6- iqu%lajpfur ekud vkfLr;ksa ds vafdr ewY; esa deh gsrq çko/kku

5.25 15.79 -

dqy+ 656.83 274.55 63.50 51.98

10-9-3 cSad }kjk vk;ksftr vk;dj vkSj vkLFkfxr dj ds çko/kku dks dkuwuh fo'ks"kKksa vkSj vuqdwy U;kf;d ?kks"k.kkvksa dh jk; dks /;kuesa j[krs gq, i;kZIr ekuk x;k gSA

Punjab & Sind Bank

2017-18 255

a)(Rs. in lacs)

2017-18 2016-1721.33 28.02

6.91 23.610.03 19.33

Mr. Fareed Ahmed 22.44 2.57Mr.Govind N.Dongre 10.60

b)

As on 31.03.2018 As on 31.03.2017

c) Name of Related Party: Satluj Gramin Bank (An Associate)

bank have not been disclosed.

10.7 AS 20 - Earning Per Share(Rs. in crore)

2017-18 2016-17-743.80 201.08

40.22 40.04Basic and Diluted Earnings per Share (Rs.) -18.49 5.02Nominal Value per Share (Rs.) 10.00 10.00

by ICAI.

(Rupees in crore)

Head Deferred Tax Assets 31.03.2018 31.03.2017 31.03.2018 31.03.2017

1 Nil Nil 3.11 0.232 17.30 Nil Nil Nil3 Nil Nil 60.39 51.754 18.42 8.45 - Nil5 615.86 250.31 - Nil6

Restructured Standard Assets5.25 15.79 -

Total 656.83 274.55 63.50 51.98

iatkc ,.M fla/ cSad


10-9-4 vihy çkf/kdkfj;ksa@U;kf;d er rFkk dj fo'ks"kKksa dh fu.kkZ;d fu.kZ; ç.kkyh dh jk; ds vuqlkj fookfnr vk;dj] C;kt djdh dqy jkf'k #- 84-86 djksM+ ¼iwoZ o"kZ esa #- 84-86 djksM+½ dh ekax ds çko/kku dks vko';d ugh ekuk x;k gSA

10-9-5 Hkfo"; esa dj ;ksX; vk; dh miyC/krk dh mfpr fuf'prrk ij cSad }kjk leh{kk dh xbZ] ftl ij cqjk vkSj lafnX/k _.k ds çko/kku] _.k ifjlaifÙk;ksa ds çn'kZu ds fy, fu;ked çko/kku ds dkj.k mRiUu gksus okys le; ds varj] ftls o"kZ 2017&18 ds nkSjku eglwl fd;k tk ldrk gS vkSj rnuqlkj] cSad us mi;qZä le; varj ij 365-55 djksM+ dh LFkfxr dj laifÙk dks ekU;rk nh gSA

10-9-6 vc rd] fu/kkZj.k o"kZ 2017&18 rd] cSad us xSj&cSafdax vfxze dks ] vk;dj vf/kfu;e ]1961 ds 36¼1½¼viia½ ds varxZr vlekIrcdk;k çko/kku ds lkFk fcuk lek;ksftr fd,] cês [kkrs esa Mkyus ds laca/k esa vk;dj vf/kfu;e ]1961 ds 36¼1½¼viia½ ds varxZr dVkSrh dh ekax dh gSA gkykafd] cSad us ewY;kadu o"kZ 2016&17 vkSj 2017&18 ds fy, fjVuZ esa la'kks/ku djuk ilan fd;k gS vkSj ewY;kadu o"kZ 2016&17 vkSj 2017&18 ds fy, cSad ds lkFk miyC/k 297-43 djksM+ #i;s ds ,e-,-Vh ØsfMV dk mi;ksx ,oa 47-40 djksM+ ds vfrfjä dj dk Hkqxrku djds 55-80 djksM+ #i;s dk vfrfjä dj çnku fd;k gSA

10-10 ys[kk ekud 23& lesfdr foÙkh; foojf.k;ksa esa lgk;d laLFkkvksa esa fuos'k gsrq ys[kkadu

cSad ds ikl fdlh çdkj dh vuq"kaxh ugha gSA vr% ,,l 23 ykxw ugha gSA

10-11 ys[kk ekud 26& vewrZ vkfLr;ka

cSad esa ç;ksx fd;k tk jgk ,fIyds'ku l‚¶Vos;j cSad esa gh rS;kj fd;k x;k gS tks fd fuf'pr le;kof/k esa fodflr fd;k x;k gSA vr% l‚¶Vos;j dh ykxr cSad ds ifjpkyu O;; dk vko';d fgLlk gS] tSls fd çfrnku vkfn rFkk ykHk&gkfu [kkrs esa lacaf/kr O;; 'kh"kZ esa ys[kkafdr fd;k x;k gSA

10-12 ys[kk ekud 28& vkfLr;ksa ds vutZd gksus laca/kh ys[kkadu

ys[kk ekud 28& esa ifjHkkf"kr cSad }kjk /kkfjr fLFkj vkfLr;ksa dks Þfuxfer vkfLr;ka ß ekuk x;k gS u fd Þudnh fufeZr bdkb;kaßA çca/ku dh jk; ds vuqlkj 31-03-2018 rd vkbZlh,vkbZ }kjk tkjh ,,l&28 dh 'krksaZ ds vuqlkj lexz jkf'k esa fLFkj vutZd vkfLr;ka dksbZ ugha gSA vU; vkfLr;ksa ds vutZd gksus dh fLFkfr esa Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr fo'ks"k fu;eksa ds rgr çko/kku dj fn, x, gSaA

10-13 ys[kk ekud 29 & çko/kkuksa] vkdfLed ns;rk,a vkSj vkdfLed vkfLr;ka

10-13-1 ys[kk ekud & 29 ds vuqlkj] Hkkjrh; lunh ys[kkdkj laLFkku }kjk tkjh çko/kkuksa esa vkdfLed ns;rkvksa vkSj vkdfLed vkfLr;ksagsrq cSad us fuEu ds fy, dksbZ çko/kku ugh fd;k gS%

¼d½ iwoZ ?kVukvksa }kjk mRiUu dksbZ laHkkO; ns;rk ftldk ?kfVr gksuk ;k u gksuk Hkfo"; esa gksus okyh fdlh vfuf'pr ?kVuk ij fuHkZj gS] tks iw.kZr% cSad ds fu;a=.k esa ugha gSA vkSj

¼[k½ fiNyh ?kVukvksa ls mRiUu dksbZ orZeku ns;rk ftldks igpkuk ugha x;k gS D;ksafd

* ;g laHko ugha gS fd lalk/kuksa ds cfgxZeu ls vkfFkZd ykHk ds nkf;Roksa dk fuiVku fd;k tk lds;k

* ns;rk jkf'k dk lVhd vuqeku vkadk ugha tk ldk gSA

,slh ns;rkvksa dks vkdfLed ns;rkvksa ds #i esa fjdkMZ fd;k x;k gSA budk vkdyu fujarj fd;k tkrk gS vkSj ns;rkvksa ds dsoy og Hkkx ftuesa vkfFkZd ykHk dk ifjy{k.k gksrk gS dk çko/kku fd;k x;k gS flok; fo'ks"k ifjfLFkfr;ksa esa tgk¡ fo'oluh; vuqekuksa dh igpku ugha gks ldhA

foÙkh; foojf.k;ksa esa vkdfLed vkfLr;ksa dh igpku ugha dh xbZ gS D;ksafd ;s dHkh igpku esa u vkus okyh vk; esa ifjofrZr gks ldrh gSaA

10-13-2 vkdfLed ns;rkvksa laca/kh çko/kkuksa esa ?kV&c<+¼#- djksM+ksa esa½

fooj.k çkjafHkd 'ks"k o"kZ ds nkSjku ifjo/kZu o"kZ ds nkSjku dVkSrh vFk 'ks"k2017-18 2016-17 2017-18 2016-17 2017-18 2016-17 2017-18 2016-17

ftUgksaus cSad _.k dh vfHkLoh—fr ugÈ nh gS] ds fo:) nkok

27.22 26.42 2.92 0.80 3.70 0.00 26.44 27.22

bUoksDM cSad xkjaVh 1.53 0.06 5.30 1.47 0 0 6.83 1.53

gLrkarfjr lk[k&i= 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU;

Punjab & Sind Bank

2017-18 257

opinions of legal experts.

10.10

10.11

10.12

10.13

occurrence or non-occurrence of one or more uncertain future events not wholly within the control of the Bank, or

10.13.2 (Rs. in crore)

Opening Balanceduring the year during the year

Closing Balance

2017-18 2016-17 2017-18 2016-17 2017-18 2016-17 2017-18 2016-17 Claims against the Bank not acknowledged as Debt

27.22 26.42 2.92 0.80 3.70 0.00 26.44 27.22

Invoked Bank Guarantees 1.53 0.06 5.30 1.47 0 0 6.83 1.53

iatkc ,.M fla/ cSad


10-13-3 vU; egRoiw.kZ çko/kkuksa dks ys[kksa ds uksV okys fgLls esa mi;qä LFkku ij çdV fd;k x;k gSA

11-1 vfrfjä çdVhdj.k¼#- djksM+ksa esa½

ykHk&gkfu [kkrs ds O;; 'kh"kZ ds varxZr çko/kku vkSj vkdfLed O;;ksa dk C;kSjk 2017-18 2016-17

xSj&fu"ikfnr vfxzeksa gsrq çkoèkku 1722.43 1106.33

ekud vkfLr;ksa gsrq çkoèkku -88.65 -90.38

vafdr ewY;ksa esa dVkSrh gsrq çkoèkku iquxZfBr ¼ekud½ -30.46 -48.81

xSj&fu"ikfnr fuos'kksa gsrq çkoèkku 28.80 0.34

fuos'kksa esa ewY;ºzkl gsrq çkoèkku 90.37 19.38

vU; çkoèkku 17.06 4.54

dj&fuèkkZj.k gsrq çkoèkkuorZeku dj 277.11 274.59

vkLFkfxr dj -370.76 -423.33

U;wure oSdfYid dj lk[k ik=rk&orZeku o"kZ -138.08 203.96

U;wure oSdfYid dj lk[k ik=rk la'kksf/kr 297.43 0.00

vU; 83.26 -5.83

dqy 1888.51 1040.79

11-2 vLFkkbZ çko/kkuksa esa ?kV&c<+¼#- djksM+ksa esa½

2017-18 2016-17

vFk 'ks"k 'kwU; 'kwU;o"kZ ds nkSjku ifjo/kZu 'kwU; 'kwU;o"kZ ds nkSjku vkgj.k ls fxjkoV 'kwU; 'kwU;bfr 'ks"k 'kwU; 'kwU;

11-3 vkjf{kr fuf/k ls vkgj.kdqy #- 'kwU; ¼01-01-2018 ls 31-03-2018½ vkSj 'kwU; jkf'k fnlacj 2017 dks lekIr frekgh dh fiNyh frekfg;ksa esa iqjkuh çfof"V;ksads nkosnkjksa dks Hkqxrku djus ds fy, lkekU; vkjf{kr fuf/k [kkrs ls vkgj.k fd;k x;kA

11-4 xzkgd f'kdk;rsa

2017-18 2016-17

d½ o"kZ ds vkjaHk esa yafcr f'kdk;rksa dh la[;k 86 102

[k½ o"kZ ds nkSjku çkIr f'kdk;rksa dh la[;k 5837 4437

x½ o"kZ ds nkSjku fuiVkÃ xÃ f'kdk;rksa dh la[;k 5877 4453

?k½ o"kZ ds var esa yafcr f'kdk;rksa dh la[;k 46 86

11-5 cSfdax yksdiky }kjk fu.khZr ekeys

2017-18 2016-17

d½ o"kZ ds vkjaHk esa xSj&fØ;kfUor fu.kZ;ksa dh la[;k 1 1

[k½ o"kZ ds nkSjku cSfdax yksdiky }kjk fu.kÊr ekeyksa dh la[;k 'kwU; 'kwU;x½ o"kZ ds nkSjku fØ;kfUor fu.kZ;ksa dh la[;k 'kwU; 'kwU;?k½ o"kZ ds var esa yafcr xSj&fØ;kfUor fu.kZ;ksa dh la[;k 1 1

Punjab & Sind Bank

2017-18 259

accounts.

11.1. (Rupees in crore)

& Loss Account2017-18 2016-17

1722.43 1106.33-88.65 -90.38-30.46 -48.8128.80 0.3490.37 19.3817.06 4.54

Current Tax 277.11 274.59Deferred Tax -370.76 -423.33

-138.08 203.96297.43 0.00

83.26 -5.83Total 1888.51 1040.79

11.2 (Rupees. in crore)

2017-18 2016-17

Opening Balance Nil NilNil Nil

Draw down during the year Nil NilClosing Balance Nil Nil

11.3 Draw down from Reserve

claimant of old entries.

11.4 Customer’s Complaints:

2017-18 2016-17

a) No. of Complaints pending at the beginning of the year 86 102

b) No. of Complaints received during the year 5837 4437

c) No. of Complaints redressed during the year 5877 4453

d) No. of Complaints pending at the end of the year 46 86

11.5 Awards Passed by the Banking Ombudsman:

2017-18 2016-17

a) No. of unimplemented Awards at the beginning of the year 1 1

b) No. of Awards passed by Banking Ombudsman during the year Nil Nil

c) No. of Awards implemented during the year Nil Nil

d) No. of unimplemented Awards pending at the end of the year 1 1

iatkc ,.M fla/ cSad


11-6 tekvksa] vfxzeksa] tksf[keksa ,oa ,u-ih-,- dk dsaæhdj.k11-6-1 tekvksa dk dsaæhdj.k

¼#- djksM+ksa esa½31.03.2018 31.03.2017

lcls cM+s 20 tekdrkZvksa dh dqy tek 26608.29 21078.67

cSad dh dqy tek esa lcls cMs 20 tekdrkZvksa dh tek dk çfr'kr 26.16% 24.64%

11-6-2 vfxzeksa dk dsaæhdj.k¼#- djksM+ksa esa½

31.03.2018 31.03.2017

lcls cM+s 20 _f.k;ksa@xzkgdksa dks dqy vfxze 18200.94 12051.53

cSad ds dqy vfxze esa lcls cM+s 20 _f.k;ksa@xzkgdksa dks vfxze dk çfr'kr 26.10% 20.00%

11-6-3 tksf[keksa dk dsaæhdj.k¼#- djksM+ksa esa½

31.03.2018 31.03.2017

lcls cM+s 20 _f.k;ksa@xzkgdksa ij dqy tksf[ke 18122.64 13843.14

cSad ds _f.k;ksa@xzkgdksa ij dqy tksf[ke esa lcls cMs 20 _f.k;ksa@xzkgdksa ij dqy tksf[ke dk çfr'kr

20.19% 16.87%

11-6-4 ,u-ih-,- dk dsaæhdj.k¼#- djksM+ksa esa½

31.03.2018 31.03.2017

lcls cM+s pkj ,u-ih-,- [kkrksa ij dqy tksf[ke 1246.08 1192.88

11-7 {ks=okj ,u-ih-,-¼#- djksM+ksa esa½

Ø-la- {ks=*

31-03-2018 31-03-2017

cdk;k dqy vfxze dqy ,uih,

ml {ks= esa dqy vfxze esa ,u-ih-,- dk

çfr'krcdk;k dqy

vfxze dqy ,uih,

ml {ks= esa dqy vfxze esa ,u-ih-,- dk

çfr'kr

d- çkFkfedrk {ks=

1- —f"k ,oa lacaf/kr xfrfof/k;ka 10062.07 817.31 8.12% 9120.67 612.26 6.71%

2-çkFkfedrk {ks= _.k ds :i esa ik= vkS|ksfxd {ks= dks vfxze 3407.72 830.42 24.37% 3168.13 741.65 23.41%

3- lsok {ks= 6244.64 841.50 13.48% 4922.68 634.06 12.88%

4- O;fäxr _.k 5412.49 374.27 6.91% 4918.96 303.97 6.18%

mi&;ksx ¼d½ 25126.92 2863.5 11.40% 22130.44 2291.94 10.36%

[k xSj&çkFkfedrk {ks=1 —f"k ,oa lacaf/kr xfrfof/k;ka 0.00 0.00 0% 0.00 0.00 0.00%

2 m|ksx 20016.08 4197.71 20.97% 17566.98 3191.41 18.17%

Punjab & Sind Bank

2017-18 261

11.6

11.6.1(Rupees. In crore)

31.03.2018 31.03.2017Total Deposits of twenty largest depositors 26608.29 21078.67

26.16% 24.64%


31.03.2018 31.03.2017Total Advances to twenty largest borrowers 18200.94 12051.53

26.10% 20.00%


31.03.2018 31.03.201718122.64 13843.14

20.19% 16.87%


31.03.2018 31.03.20171246.08 1192.88

11.7 Sector Wise NPAs (Rupees. In crore)

Sl.No.

Sector* 31.03.2018 31.03.2017

Outstanding Total

Advances

Gross NPAs

Percentage of Gross

NPAs to Total Advances in that sector

Outstanding Total

Advances

Gross NPAs

Percentage of Gross

NPAs to Total Advances in that sector

A Priority Sector

1 10062.07 817.31 8.12% 9120.67 612.26 6.71%

2Advances to industries sector eligible as priority sector lending 3407.72 830.42 24.37% 3168.13 741.65 23.41%

3 Services 6244.64 841.50 13.48% 4922.68 634.06 12.88%

4 5412.49 374.27 6.91% 4918.96 303.97 6.18%

Sub-total (A) 25126.92 2863.5 11.40% 22130.44 2291.94 10.36%

B Non Priority Sector

1 0.00 0.00 0% 0.00 0.00 0.00%

2 Industry 20016.08 4197.71 20.97% 17566.98 3191.41 18.17%

iatkc ,.M fla/ cSad


3 lsok {ks= 21858.91 573.50 2.62% 18214.45 678.70 3.73%

4 O;fäxr _.k 2736.88 166.93 6.10% 2351.21 135.54 5.76%

mi&;ksx ¼[k½ 44611.87 4938.14 11.07% 38132.64 4005.65 10.50%

dqy ¼d [k½ 69738.79 7801.64 11.19% 60263.08 6297.59 10.45%

* cSad mä çk:i esa ml mi {ks= ds dqy vfxzeksa ls cdk;k vfxze 10% ls vf/kd gSa] dk çdVhdj.k dj ldrk gSA mnkgj.kkFkZ];fn [kuu {ks= dks cSad dk dqy cdk;k m|ksx {ks= ds dqy vfxze ls 10 çfr'kr ls vf/kd gS rks cSad dks m|ksx {ks= dks vfxze dsvarxZr [kuu {ks= esa vyx ls mä çk:i esa çdV djuk pkfg,A

11-8 ,u-ih-,- esa mrkj&p<+ko¼#- djksM+ksa esa½

fooj.k 31.03.2018 31.03.2017

1 vçSy dks ldy ,uih,- ¼vFk 'ks"k½ 6297.59 4229.05

o"kZ ds nkSjku ifjo/kZu ¼u, ,uih,-½ 2591.75 2900.06

mi&;ksx ¼d½ 8889.34 7129.11

?kVk % i½ mUUk;u 210.14 151.00

ii½ olwfy;ka ¼mUu;u [kkrksa ls dh xbZ olwyh ds vfrfjä½ 417.74 189.88

iii½ cês [kkrksa esa Mkyuk 451.28 490.64

iv½ mä iii½ ds vfrfjä vU; cês [kkrs esa Mkys x, 8.53 0.00

mi&;ksx [k] 1087.69 831.52

31 ekpZ dks ldy ,uih,-¼bfr 'ks"k½ ¼d&[k½ 7801.65 6297.59

fooj.k 31.03.2018 31.03.2017

1 vçSy dks rduhdh@foosdlEer cêk [kkrksa dk çkjafHkd 'ks"k½ 1909.63 1471.48

tek % o"kZ ds nkSjku rduhdh@foosdlEer cêk [kkrs 451.28 490.64

mi&;ksx ¼d½ 2360.91 1962.12

?kVk % o"kZ ds nkSjku fiNys rduhdh@foosdlEer cêk [kkrksa ls dh xbZ olwyh ¼[k½

54.57 52.49

31 ekpZ dks ¼bfr 'ks"k½ ¼d&[k½ 2306.34 1909.63

11-9 fons'kh vkfLr;k¡] ,u-ih-,- ,oa jktLo¼#- djksM+ksa esa½

fooj.k 31.03.2018 31.03.2017

dqy vkfLr;k¡ 151.36 193.98

dqy ,u-ih-,- 0 0

dqy jktLo 4.45 2.22

11-10 rqyu&i= ls brj çk;ksftr ,l-ih-oh-¼#- djksM+ksa esa½

çk;ksftr ,l-ih-oh- dk uke?kjsyw fons'k

31.03.2018 31.03.2017 31.03.2018 31.03.2017

'kwU; 'kwU; 'kwU; 'kwU;

Punjab & Sind Bank

2017-18 263

3 Services 21858.91 573.50 2.62% 18214.45 678.70 3.73%

4 2736.88 166.93 6.10% 2351.21 135.54 5.76%

Sub-total (B) 44611.87 4938.14 11.07% 38132.64 4005.65 10.50%

Total (A+B) 69738.79 7801.64 11.19% 60263.08 6297.59 10.45%

*Banks may also disclose in the format above, sub sectors where the outstanding advances exceeds 10 percent of theoutstanding total advances to that sector. For instance, if a bank’s outstanding advances to the mining industry exceed 10percent of the outstanding total advances to ‘Industry’ sector it should disclose details of its outstanding advances to miningseparately in the format above under the ‘Industry’ sector.

11.8 Movement of NPAs (Rs. in crore)

31.03.2018 31.03.2017

6297.59 4229.05

2591.75 2900.06

Sub-total (A) 8889.34 7129.11

210.14 151.00

(ii) Recoveries (excluding recoveries made from up-graded accounts) 417.74 189.88

451.28 490.64

8.53 0.00

Sub-total (B) 1087.69 831.52

Gross NPAs as on 31st March (closing balance) (A-B) 7801.65 6297.59

31.03.2018 31.03.20171909.63 1471.48

451.28 490.64Sub-total (A) 2360.91 1962.12

during the year (B)54.57 52.49

Closing balance as at March 31 (A-B) 2306.34 1909.63

11.9 Overseas Assets, NPAs and Revenue (Rs. in crore)

31.03.2018 31.03.2017Total Assets 151.36 193.98

0 0Total Revenue 4.45 2.22

11.10 (Rs. in crore)

Name of the SPV sponsoredOverseas

31.03.2018 31.03.2017 31.03.2018 31.03.2017

iatkc ,.M fla/ cSad


11-11 varlZewg tksf[ke

Ø-la- fooj.k 31-03-2018 31-03-2017laLoh—r _.k@fyfeV jkf'k

'ks"k cdk;k laLoh—r _.k@fyfeV jkf'k

'ks"k cdk;k

¼d½ varlZewg tksf[ke dh dqy jkf'k 30.69 6.01 34.01 24.35

¼[k½ 'kh"kZ 20 varlZewgksa ds tksf[ke dh dqy jkf'k 30.69 6.01 34.01 24.35

¼x½ mèkkfj;ksa@xzkgdksa ij cSad ds dqy tksf[ke esa varlZewg tksf[ke dk çfr'kr

0.04% 0.01% 0.04% 0.03%

¼?k½ varlZewg tksf[ke ij lhek Hkax dk fooj.k rFkk mu ij dh xÃ fofu;ked dkjZokÃ] ;fn dksÃ gks rks


11-12 tekdrkZ f'k{kk ,oa tkx#drk fuf/k ¼Mhb,,Q½ gsrq varj.k ¼#- djksM+ksa esa½

fooj.k 31.03.2018 31.03.2017

Mhb,,Q gsrq varfjr jkf'k dk çkjafHkd 'ks"k 136.65 127.26

tek % o"kZ ds nkSjku Mhb,,Q gsrq varfjr jkf'k 24.46 12.40

?kVk % Mhb,,Q }kjk nkoksa ds fy, çfriwÆr dh xÃ jkf'k 2.29* 3.01 *

Mhb,,Q dks varfjr jkf'k dk bfr 'ks"k 158.82 136.65

* ewy /ku

vkjf{kr fons'kh eqnzk tksf[ke

11-13 o"kZ ds nkSjku] Hkkjrh; fjt+oZ cSad ds ifji= fnukad 15-01-2014 la[;k MhchvksMh-ua-chih-chlh-85@21-06-200@2013&14 dh 'krksaZ dsvuqlkj cSad us la?kVdksa }kjk fn, x, fooj.kksa ds vuqlkj vkjf{kr fons'kh eqæk tksf[ke gsrq #- 0-30 djksM+ ¼foxr o"kZ #- 0-46 djksM+½dh jkf'k miyC/k dh gSA

12- pyfuf/k O;kqfIr vuqikr ¼#- djksM+ksa esa½

lekIr frekgh 30-06-2017 30-09-2017 31-12-2017 31-03-2018

dqy Hkkjjfgr ewY; ¼vkSlr½

dqy Hkkfjr ewY; ¼vkSlr½







mPp xq.koÙkk py vkfLr;ka

1 dqy mPp xq.koÙkk py vkfLr;ka ¼,pD;w,y,½

1970617.47 1925062.58 2135785.38 1,689,264.80

udnh çokg

2 QqVdj tek,a rFkk NksVs O;olkf;;ksa ls tek,a] ftuesa

5013507.52 499568.62 5049325.41 503162.61 5044547.99 502652.16 4,949,137.17 493,086.02

(i) fLFkj tek,a 35642.69 1782.13 35398.54 1769.93 36052.71 1802.64 36,553.94 1,827.70

(ii) ?kVk fLFkj tek,a 4977864.83 497786.48 5013926.88 501392.69 5008495.28 500849.53 4,912,583.22 491,258.32

3 vjf{kr Fkksd fufèk;u ftlesa 3512323.15 1640101.33 3799794.50 1712701.19 4166113.43 1970419.40 2,485,916.63 1,309,874.87

(i) ifjpkyu tek,a ¼lHkh çfri{kdkj½ 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(ii) xSj&ifjpkyu tek,a ¼lHkh çfri{kdkj½ 3512323.15 1640101.33 3799794.50 1712701.19 4166113.43 1970419.40 2,485,916.63 1,309,874.87

(iii) vjf{kr _.k 0.00 0.00 0.00 0.00 0.00 0.00

4 lajf{kr Fkksd fufèk;u

Punjab & Sind Bank

2017-18 265

11.11 Intra-Group Exposures

S.No. 31.03.2018 31.03.2017

limitBalance

limitBalance

(a) Total amount of intra-group exposures 30.69 6.01 34.01 24.35(b) Total amount of top-20 intra-group exposures 30.69 6.01 34.01 24.35(c) 0.04% 0.01% 0.04% 0.03%

(d) Details of breach of limits on intra-group exposures and Nil Nil Nil Nil

11.12(Rs. in crore)

31.03.2018 31.03.2017

Opening balance of amounts transferred to DEAF 136.65 127.26

Add : Amounts transferred to DEAF during the year 24.46 12.40

2.29* 3.01 *

Closing balance of amounts transferred to DEAF 158.82 136.65

Un-Hedged Foreign Currency Exposure

12.(Rs. in )

30.06.2017 30.09.2017 31.12.2017 31.03.2018

Total Unweighted

Value (Average)

Total Weighted

Value (Average)

Total Unweighted

Value (Average)

Total Weighted

Value (Average)

Total Unweighted

Value (Average)

Total Weighted

Value (Average)

Total Unweighted

Value (Average)

Total Weighted

Value (Average)

1 1970617.47 1925062.58 2135785.38 1,689,264.80

2 Retail deposits and deposits from small business customers, of which

5013507.52 499568.62 5049325.41 503162.61 5044547.99 502652.16 4,949,137.17 493,086.02

(i) Stable Deposits 35642.69 1782.13 35398.54 1769.93 36052.71 1802.64 36,553.94 1,827.70

(ii) 4977864.83 497786.48 5013926.88 501392.69 5008495.28 500849.53 4,912,583.22 491,258.32

3 Unsecured wholesale funding of which

3512323.15 1640101.33 3799794.50 1712701.19 4166113.43 1970419.40 2,485,916.63 1,309,874.87

(i) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(ii) 3512323.15 1640101.33 3799794.50 1712701.19 4166113.43 1970419.40 2,485,916.63 1,309,874.87

(iii) Unsecured debt 0.00 0.00 0.00 0.00 0.00 0.00

4 Secured wholesale funding

iatkc ,.M fla/ cSad


5 vfrfjä vfuok;Zrk,a] ftlesa 643627.93 76448.06 2002282.91 187742.22 236456.54 32454.94 187,320.80 18,848.07

(i) O;qRiUu tksf[keksa ls lac) cfgxZeu rFkk vU; laikÆÜod vko';drk,a

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(ii) _.k mRiknksa ij fufèk;u dh gkfu ls lacafèkr cfgxZeu

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(iii) _.k rFkk py fufèk lqfoèkk,a 643627.93 76448.06 2002282.91 187742.22 236456.54 32454.94 187,320.80 18,848.07

6 vU; lafonkRed fufèk;u nkf;Ro 0.00 0.00 0.00 0.00 0.00 0.00

7 vU; vkdfLed fufèk;u nkf;Ro 507063.47 15214.46 459350.75 13783.07 1020015.22 40595.91 1,086,169.65 43,297.38

8 dqy udnh çokg 0.00 2231332.46 0.00 2417389.09 0.00 2546122.41 1,865,106.34

udnh var% çokg

9 çfrHkwr _.k ¼;Fkk fjolZ jsiks½ 316366.67 4166.67 110500.00 23333.33 191700.00 58333.33 129887.28 29819.55

10 iw.kZ vtZd tksf[keksa ls var%çokg 170629.17 97769.37 220288.16 173451.21 121588.62 76543.29 261063.28 193088.25

11 vU; udnh var%çokg 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 dqy var% udnh çokg 486995.84 101936.04 330788.16 196784.55 313288.62 134876.62 390950.56 222907.79

13 dqy ,p-D;w-,y-,- 0.00 1970617.47 0.00 1925062.58 0.00 2135785.38 1,689,264.80

14 dqy 'kq) udnh cká çokg 0.00 2129396.42 0.00 2220604.55 0.00 2411245.79 1,642,198.55

15 pyfufèk O;kfIr vuqikr ¼%½ 0.00 92.54 0.00 86.69 0.00 88.58 102.87%

13- ,e,l,ebZMh vf/kfu;e] 2006 dh 'krksaZ ds vuqlkj çdVhdj.k

lw{e vkSj y?kq m|eksa ls Ø; dh xbZ py lEifÙk ls lacaf/kr lwpuk dk fooj.k

Ø-la- fooj.k 2017&18 2016&17

ewy jkf'k C;kt ewy jkf'k C;kt

1- ewy/ku rFkk ml ij ns; C;kt ¼vyx ls n'kkZ;k tk,½ tks fdlh vkiwfrZdrkZ dks vçnÙk gSA


2- vkiwfrZdrkZ dks o"kZ ds nkSjku fu;r fnu ds vykok fd, x, Hkqxrku dh jkf'k ds lkFk ,e,l,ebZMh vf/kfu;e dh /kkjk 16 ds vuqlkj [kjhnnkj }kjk çnÙk C;kt dh jkf'k


3- Hkqxrku esa gqbZ nsjh dh vof/k ds fy, ns; rFkk cdk;k C;kt ¼tks vnk dj fn;k x;k gS ysfdu o"kZ ds nkSjku fu;r frfFk ds vykok½ ysfdu bl vf/kfu;e ds varxZr fufnZ"V C;kt dks 'kkfey fd, fcuk


4- mifpr C;kt rFkk 'ks"k vçnÙk jkf'k 'kwU; 'kwU; 'kwU; 'kwU;

5- mÙkjorhZ o"kksaZ esa ns; rFkk vfrfjä 'ks"k C;kt dh jkf'k] tgk¡ rd fd mi;qä ns; C;kt okLro esa y?kq m|eh dks vf/kfu;e dh /kkjk 23 ds varxZr dVkSrh ;ksX; O;; ds :i esa vLoh—fr ds mís'; ls vnk dj fn;k tkrk gSA


14- Hkkjrh; fjtoZ cSad ds ifji= Mhchvkj la- ch ih-ch lh 1@21-06-201@2015&16 tqykbZ 1]2015 ds vuqlkj cSadks dks csly III iwathfofu;eu ds varxZr LraHk 3 dk çdVu djuk gksxkA bu fooj.kksa dks gekjs osclkbV www.psbindia.com ij miyC/k djk;k tk,xkA;s çdVu ys[kk ijh{kdksa ds }kjk ys[kk ijh{kk ds nk;js esa ugha vkrk gSA

15- tgk¡ lwpuk miyC/k ughaa Fkh] dks NksM+dj vkSj tgka vko';d Fkk fiNys o"kZ ds vkadMksa dks iqu%O;ofLFkr@iqu% oxhZ—r fd;k x;k gSA

uksV% ;g ewy vaxszt+h ikB dk fgUnh vuqokn gSA

Punjab & Sind Bank

2017-18 267

5which

643627.93 76448.06 2002282.91 187742.22 236456.54 32454.94 187,320.80 18,848.07

(i)exposures and other collateral

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(ii)funding on debt product

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(iii) 643627.93 76448.06 2002282.91 187742.22 236456.54 32454.94 187,320.80 18,848.07

6 Other contractual funding 0.00 0.00 0.00 0.00 0.00 0.00

7 507063.47 15214.46 459350.75 13783.07 1020015.22 40595.91 1,086,169.65 43,297.38

8 0.00 2231332.46 0.00 2417389.09 0.00 2546122.41 1,865,106.34

9 Secured lending (e.g.reverse repos)

316366.67 4166.67 110500.00 23333.33 191700.00 58333.33 129887.28 29819.55

10exposures

170629.17 97769.37 220288.16 173451.21 121588.62 76543.29 261063.28 193088.25

11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 486995.84 101936.04 330788.16 196784.55 313288.62 134876.62 390950.56 222907.79

13 0.00 1970617.47 0.00 1925062.58 0.00 2135785.38 1,689,264.80

14 0.00 2129396.42 0.00 2220604.55 0.00 2411245.79 1,642,198.55

15 0.00 92.54 0.00 86.69 0.00 88.58 102.87%

13. Disclosures in Terms of MSMED Act 2006

S. No. 2017-18 2016-17PrincipalAmount

Interest PrincipalAmount

Interest

1 The principal amount and the interest due thereon (to be shown separately) remaining unpaid to any supplier.

2the MSMED Act, along with the amount of the payment made to the supplier beyond the appointed day during the year.

3 The amount of interest due and payable for the period of delay in making payment (which have been paid but beyond the appointed day

4 The amount of interest accrued and remaining unpaid.5 The amount of further interest remaining due and payable even in the

actually paid to the small enterprise , for the purpose of disallowance

not available.

iatkc ,.M fla/ cSad


31 ekpZ] 2018 d¨ LkekIr o"kZ ds vuqLkkj udnh izokg fooj.kh(000NksMdj)

fooj.k 2017-18 2016-17

¼d½ ifjpkyu xfrfof/k;ksa ds varxZr udnh çokgykHk&gkfu [kkrs ds vuqlkj fuoy ykHk@¼gkfu½ &7437977 2010842lek;kstu gsrqçko/kku vkSj vkdfLed O;; 17981364 10214166ewY;ºzkl LFkkoj vkfLr;ka 641058 424594ewY;ºzkl fuos'k 903749 193770vkfLr;ksa dh fcØh ij ykHk 1119 1860ckaM] ihlhih,l rFkk vkbZihMhvkbZ ij C;kt 2530157 1341047dk;Z'khy iw¡th esa ifjorZuksa ls iwoZ ifjpkyu ykHk 14619470 14186279lek;kstu gsrqtekvksa esa o`f)@¼deh½ 161860051 &57098026m/kkjksa esa o`f)@¼deh½ &2754528 &2305759vU; ns;rkvksa esa o`f)@¼deh½ 2451523 &4338916fuos'kksa esa ¼o`f)½@deh &51524261 &3231836vfxzeksa esa ¼o`f)½@deh &99354126 45238931vU; vkfLr;ksa esa ¼o`f)½@deh &12273258 &768386çR;{k dj Hkqxrku ¼dqy fjQaM½ &2391816 3365490ifjpkyu xfrfof/k;ksa ls udn çokg ¼d½ 10633055 &4952223

¼[k½ fuos'k xfrfof/k;ksa ls udnh çokgvpy vkfLr;ksa esa o`f) &512756 &332814vkfLr;ksa dh fcØh ij ykHk &1119 &1860fuos'k xfrfof/k;ksa ls udnh çokg ¼[k½ &513875 &334674

¼x½ foÙkh; xfrfof/k;ksa ls udnh çokgudn esa bfDoVh 'ks;j ¼vafdr ewY;½ dk fuxZe 1645013 0çkIr 'ks;j çhfe;e 6204987 0lkoZtfud fuxZe O;; &9862 0vfrfjä fV;j&I ckaM dk fuxZe 10000000 0xkS.k ckaM dks tkjh djuk 0 5000000xkS.k ckaM dk ekspu 0 &1500000xkS.k ckaMksa ij C;kt] ihlhih,l ,.M vkbZihMhvkbZ &2530157 &1341047bfDoVh ij ykHkka'k 0 0ykHkka'k vkcaVu dj 0 0foÙkh; xfrfof/k;ksa ls udnh çokg ¼x½ 15309981 2158953ifjpkyu xfrfof/k;ksa ls udnh 10633055 &4952223fuos'k xfrfof/k;ksa ls udnh &513875 &334674foÙkh; xfrfof/k;ksa ls udnh 15309981 2158953udnh o udnh lerqY; esa o`f) - 25429161 &3127944cSad 'ks"k o udnh ¼çkjafHkd½ 45897765 49025709cSad 'ks"k o udnh ¼vafre½ 71326926 45897765

Punjab & Sind Bank

2017-18 269

CASH FLOW STATEMENT FOR THE YEAR ENDED 31st March, 2018(000'S OMITTED)

PARTICULARS 2017-18 2016-17

-7437977 2010842

17981364 10214166641058 424594903749 193770

1119 18602530157 1341047

14619470 14186279

161860051 -57098026-2754528 -23057592451523 -4338916

-51524261 -3231836-99354126 45238931-12273258 -768386

-2391816 336549010633055 -4952223

Increase in Fixed Assets (Net) -512756 -332814-1119 -1860

-513875 -334674

1645013 06204987 0

-9862 010000000 0

Issue of Subordinated Bonds 0 50000000 -1500000

-2530157 -13410470 00 0

15309981 215895310633055 -4952223

-513875 -33467415309981 2158953

Increase in Cash & Cash Equivalents 25429161 -3127944Cash and Bank Balances (Opening) 45897765 49025709Cash and Bank Balances (Closing) 71326926 45897765

iatkc ,.M fla/ cSad


Qjhn vgen xksfoUn ,u- Mksaxzs

dk;Zdkjh funs'kd dk;Zdkjh funs'kd

,l- lsYok dqekj ih-ds- tsuk lh-,- ,l-vkj- ?ksMh;k

funs'kd funs'kd funs'kd

vruq lsu g"kZ chj flag gjfoUæ lpnso

funs'kd funs'kd egkçca/kd

us=kuUn lsBh t;ar dqekj uk;d jktho jkor

egkçca/kd egkçca/kd egkçca/kd

nythr flag xzksoj ,-,l- vgwtk pUæ eksgu flag

egkçca/kd mi egkçca/kd eq[; çca/kd

—rs /kou ,.M da- —rs nfoUnj iky flag ,.M da-

lunh ys[kkdkj lunh ys[kkdkj

¼nhid diwj½ ¼banjthr dkSj½

lk>snkj lk>snkj

,e-ua- 072302 ,e-ua- 500143

,Qvkj,u 002864,u ,Qvkj,u 007601,u

—rs ,l- eku ,.M da- —rs cynso dqekj ,.M da-

lunh ys[kkdkj lunh ys[kkdkj

¼lqHkk"k eku½ ¼cynso xxZ½

lk>snkj lk>snkj

,e-ua- 080500 ,e-ua- 092225

,Qvkj,u 000075,u ,Qvkj,u 013148,u

LFkku% ubZ fnYyh

fnukad% ebZ 16] 20148

Punjab & Sind Bank

2017-18 271

FAREED AHMED GOVIND N DONGRE EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR

DIRECTOR DIRECTOR DIRECTOR

ATANU SEN HARSH BIR SINGH HARVINDER SACHDEV


M. No. 072302 M. No. 500143FRN : 002864N FRN : 007601N


(Subhash Mann) (Baldev Garg)

M. No. 080500 M. No. 092225FRN : 000075N FRN : 013148N

Dated: May 16, 2018

iatkc ,.M fla/ cSad


iatkc ,.M ÇLk/k cSad] ¼Òkjr Lkjdkj dk miØe½

Á/kku dk;kZy; 21] jktsUæ IysLk] ubZ fnYyh 110008¼vkBoha okf"kZd lkekU; cSBd½ 29-06-2018

QkeZ ‘ch’ÁkWDLkh QkeZ

¼'ks;j/kkjd }kjk Hkjk vkSj gLrk{kj fd;k tk,½eSa@ge &&&&&&&&&&&&&&&&&&&&&&&&&& fuoklh &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&ftyk&&&&&&&&&&&& jkT; &&&&&&&&&&&& dk@dh@ds gSa tksfd iatkc ,.M fla/k cSad ds 'ks;j/kkjd gksus ds ukrs ,rí~okjk Jh@Jherh &&&&&&&&&&&&&&&&&&&&&&&& fuoklh &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&ftyk &&&&&&&&& jkT; &&&&&&&&& dks vFkok muds mifLFkr u gks ldus ij Jh Jherh&&&&&&&&&&&&&&&&&&&&&&&&&& fuoklh &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& ftyk &&&&&&&&&jkT; &&&&&&&& dks 'kqdz okj] fnukad 29 twu] 2018 dks çkr% 10-00 cts iatkc ,.M fla/k cSad dh vkBoha okf"kZd lkekU; cSBd esa tksfd iatkc ,.M fla/k cSad] LVkQ çf'k{k.k d‚yst] laLFkkxr {ks=] Iy‚V la[;k&3 lsDVj 3] t;iqj xksYMu vLirky ds ikl] jksfg.kh] fnYyh&110085 esa vk;ksftr gksxh rFkk blds vf/kLFkxu gksus dh fLFkfr esa esjh@gekjh vksj ls esjs@gekjs fy, er nsus ds fy, ç‚Dlh fu;qä djrk gw¡@djrs gSaA

…….......…….. ekg ds …….......…….. fnu 2018 d¨ gLrk{kfjr

iath—r Qksfy;ks u-@xzkgd dk vkbZMh-u-'ks;jksa dh la[;k

............................ ...............................................................

ÁkWDLkh ds gLrk{kj ,dy@ÁFke 'ks;j/kkjd ds gLrk{kj

uke o irk: ..................................... uke o irk: .............................................

......................................................... ................................................................

vuqca/k ÞAß

Ñi;k jLkhnhfVdVfpidk,a

ç‚Dlh QkeZ gLrk{kj djus ,oa ntZ djus lca/kh vuqns'k1- dksbZ Hkh ç‚Dlh çys[k oS/k ugha gksxk tc rd fd%

d½ O;fäd 'ks;j/kkjd ds ekeys esa] ;g mlds }kjk ;k mlds vVkuhZ }kjk gLrk{kfjr gksxk rFkk ftls fyf[kr :i esa fof/kor~ çkf/k—r fd;k tk,xkA[k½ la;qä 'ks;j/kkjd ds ekeys esa ;g jftLVj esa çFke 'ks;j/kkjd }kjk ;k mlds vVkuhZ }kjk gLrk{kfjr gksxk rFkk ftls fyf[kr :i esa fof/kor~

çkf/k—r fd;k tk,xkAx½ fuxfer fudk; ds ekeys esa mlds vf/kdkjh }kjk gLrk{kfjr gksuk pkfg, ;k vVkuhZ fof/kor~ fyf[kr :i esa gksuh pkfg,A

2- ç‚Dlh çys[k 'ks;j/kkjd }kjk gLrk{kfjr gksxk tksfd fdlh dkj.k ls viuk uke ugha fy[k ikrk gS] ;fn ml ij bldk fpà gS rFkk U;k;/kh'k]eftLVªsV] vk'oklu jftLVªkj ;k mi jftLVªkj ;k ljdkjh jkti= vf/kdkjh ;k iatkc ,.M fla/k cSad ds vf/kdkjh }kjk vuqçekf.kr gSA

3- ç‚Dlh ds lkFk%d½ vVkuhZ vf/kdkj ;k vU; çkf/kdkj ¼;fn dksbZ gS rks½ ftlds varxZr gLrk{kj fd, x, gSa ;k[k½ uksVjh ifCyd ;k eftLVªsV }kjk çekf.kr vVkuhZ vf/kdkj dh çfr itkac ,.M fla/k cSad] ç/kku dk;kZy; 'ks;j d{k] çFke ry] 21&jktsUæ

Iysl] ubZ fnYyh&110008 dks vkBoha okf"kZd lkekU; cSBd dh rkjh[k ls de ls de pkj fnu igys vFkkZr~ jfookj 24 twu] 2018 ¼5-00 cts lk;adky½ dks dk;Z≤ lekIr gksus ls iwoZ ;k ml frfFk dks çLrqr djuh gksxhA

4- ;fn lacaf/kr vVkuhZ vf/kdkj iatkc ,.M fla/k cSad esa ;k 'ks;j varj.k ,tsaV ds ikl igys ls iath—r gS rks vVkuhZ vf/kdkj dh iathdj.k la[;krFkk mldh frfFk dk mYys[k fd;k tk,A

5- ;fn ç‚Dlh çys[k QkeZ Þchß ij ugha gS rFkk fof/kor~ LVkEi ugha gS rks og oS/k ugha ekuk tk,xkA6- cSad esa tek ç‚Dlh çys[k vçfrlagj.kh; rFkk vafre gksxkA7- ;fn ç‚Dlh çys[k fodYi ds :i esa nks O;fä;ksa ds i{k esa tkjh fd;k tkrk gS rks ,d ls vf/kd Q‚eZ ij fopkj ugha fd;k tk,xkA8- ftl 'ks;j/kkjd us ç‚Dlh çys[k fu"ikfnr fd;k gS mls okf"kZd lkekU; cSBd esa oksV nsus dk vf/kdkj ugha gksxh ftlls og çys[k lacaf/kr gSA9- itkac ,.M fla/k cSad ds fdlh dkfeZd ;k vf/kdkjh dks çkf/k—r çfrfuf/k ;k ç‚Dlh fu;qDr ugha fd;k tk ldrk gSA

Punjab & Sind Bank

2017-18 273

Punjab & Sind Bank (A Government of India Undertaking)

{EIGHTH ANNUAL GENERAL MEETING}: 29.06.2018FORM ‘B'

PROXY FORM

Friday, the 29th June,

2018

Signed this …….......…….. day of ….....………. 2018

No. of Shares

............................ .............................................................................

Name & Address: ..................................... Name & Address: ................................................

.................................................................. .............................................................................

Revenue Stamp

INSTRUCTIONS FOR SIGNING AND LODGING THE PROXY FORM1. No instrument of proxy shall be valid unless,

3. The proxy together with : Punjab & Sind Bank, HO Shares Cell, 1st Floor,

21-Rajendra Place, New Delhi-110 008 not less than FOUR DAYShours of Sunday, the 24th day of June, 2018 (5.00 p.m.).

such instrument relates.

iatkc ,.M fla/ cSad



Á/kku dk;kZy;&21 jktsUæ IysLk] ubZ fnYyh 110008

mifLFkfr ipÊvkBoha okf"kZd lkekU; cSBd

iatkc ,.M fla/k cSad] LVkQ çf'k{k.k d‚yst] laLFkkxr {ks=] Iy‚V la[;k&3 lsDVj 3]

t;iqj xksYMu vLirky ds ikl]

jksfg.kh] fnYyh&110085

'kqdz okj] 29 twu] 2018 çkr% 10-00 cts

¼—i;k mifLFkfr iphZ dks iw.kZ :i ls Hkjsa ,oa cSBd g‚y ds iathdj.k dkmaVj ij mls lkSai nas½

Mhih vkbZMh ,oa xzkgd vkbZMh iath—r Qksfy;ks

'ks;j/kkjd dk uke

'ks;jä dh Lka[;k

'ks;j/kkjd@Á‚DLkh@Ákf/kÑr Áfrfuf/k ds gLrk{kj


Á/kku dk;kZy; & 21 jktsUæ IysLk] ubZ fnYyh 110008

ços'k iklvkBoha okf"kZd lkekU; cSBd

iatkc ,.M fla/k cSad] LVkQ çf'k{k.k d‚yst] laLFkkxr {ks=] Iy‚V la[;k&3 lsDVj 3]

t;iqj xksYMu vLirky ds ikl]

jksfg.kh] fnYyh&110085

'kqdz okj] 29 twu] 2018 çkr% 10-00 cts

Mhih vkbZMh ,oa xzkgd vkbZMh iath—r Qksfy;ks

'ks;j/kkjd dk uke

'ks;jä dh Lka[;k

'ks;j/kkjd@Á‚DLkh@Ákf/kÑr Áfrfuf/k ds gLrk{kj

uksV& ernku dh fLFkfr esa eri= dsoy ços'k ikl ij tkjh fd;k tk,xkA

vuqca/k ÞBß

Punjab & Sind Bank

2017-18 275


ATTENDANCE SLIP EIGHTH ANNUAL GENERAL MEETING

Rohini, Delhi-110 085

FRIDAY, JUNE 29, 2018, 10.00 a.m.

Name of the Shareholder

Number of Shares


ENTRY PASS

EIGHTH ANNUAL GENERAL MEETING

Rohini, Delhi-110 085

FRIDAY, JUNE 29, 2018, 10.00 a.m.

Name of the Shareholder

Number of Shares

NOTES

NOTESNOTES

NOTES

Outer

Rin

g Roa

d

Outer

Rin

g Roa

d

Outer

Rin

g Roa

d

eq[; lrdZrk vf/kdkjh/ Chief Vigilance Offi cer

egkizca/kd / General Managers

Jh lat; tSu ¼lhohvks½ Sh. Sanjay Jain (CVO)

Jh th-,l- ukjax ¼izfrfu;qfDr ij½Sh. G.S. Narang (On Deputa� on)

Jherh gjfoUnz lpnsoSmt. Harvinder Sachdev

Jh ,l-lh- Dok=kSh. S.C. Kwatra

�1'11ftlq, tfcti1T \1tptScdl �'(tqji'(

� � ffitT � � � -q � 13� � � �-�-� � � � - 2017 � -q � � � � �� 3IT � cf>llli-illl.-J ��--q�� -qGT��I

� � � lBfi. J3.fi fucr :ITT'frq �. � 61. � �. � �. � � ffitf � "qjl" � fcttA" � q;i, � qIB lff31T -q �?![UT� -q � ffl ffl � ��3n'-q��ffl�� .2011�fcl,q1

Social Banking Excellence Award Punjab & Sind Bank has won two Social Banking Excellence Awards from ASSOCHAM as Best Bank in "Agriculture Banking" and "Implementation of Government Schemes" under Small Bank category during 13th Annual Banking Summit-cum-Social Banking Excellence Awards-2017 ceremony held at Mumbai. Shri Shiv Pratap Shukla, Hon'ble Minister of State for Finance gave "ASSOCHAM Social Banking Excellence Awards 2017" to Dr Fareed Ahmed, Executive Director, Punjab & Sind Bank for excellent contribution towards lending to agriculture in unbanked and under banked areas and providing support to various Government Schemes.

tft.�-�-�-�- � Pl&.11c;:.:i

� SKOCH �'<t4>1'<

� � ffitT � "cf>l" qtT 2016-17 � � � � �� c#rfct�· c#f � tcITT � � � c#r � � � 'q;' al?[ -q >ll!lli" � >lfC<f °§3ll t I � c#r 3ITT" � 3Wllff � � � J3.fi � � (�-�-�-) � "ll"6 � 3li\if f5<tt � � 3fcRR � � � J3.fi xllf � � ��"cf>x-�aRTWUT� I�� +fq � � '!6 lBfi J3.fi � �. '!6 � lBfi J3.fi � � � J3.fi � '1lTRfl, 3l6R � � �J3.fiwrmcgBR�'lfi�� I

Honored by the President of India Punjab & Sind Bank has won Rajbhasha Award in 'A' Region under the category of Nationalized Banks and Financial Institutions for best implementation of Official Language Policy during the year 2016-17. On behalf of the Bank, Chairman and Managing Director, Shri Jatinderbir Singh (IAS), received this award on the occasion of "Hindi Divas" by the Hon'ble President of India Shri Ram Nath Kovind. Shri Rajnath Singh, Hon'ble Home Minister, Shri Hansraj Gangaram Ahir, Shri Kiren Rijiju, MoS Home Affairs and Shri Prabhas Kumar Jha, Secretary Rajbhasha also graced the occasion.

61. � �. � �. � � ffitf � � � -q � 51� SKOCH� -q lfr.�.�-�-crrt. -q � � SKOCH� >lfC<f � � � lfr.�.��-crrt. � � -q � q;r ��I�� ffl � ffl qIB � 10 � Pi?IT � 'lfi fctffi ��SK OCH� 3lT1:fi" � � >lfC<f fcl,q

SKOCH award for PMJDY performance Dr.Fareed Ahmed ED, Punjab & Sind Bank received SKOCH Award for PMJDY performance during 51 st SKOCH Summit held at Delhi & shared Banks view under PMJDY. Top 1 O well performing Mitras of bank also received SKOCH Order of Merit Award for their outstanding contribution.

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