XoZm ~¢H$àYmZ H$m¶m©b¶

XoZm H$mnm}aoQ> g|Q>a, gr-10, Or ãbm°H$, ~m§Ðm Hw$bm© H$m°åßbo³g, ~m§Ðm (nyd©), ‘w§~B© - 400 051.

www.denabank.com

Dena BankHead Office

Dena Corporate Centre, C-10, G Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051.

www.denabank.com

g§[jßV dm{f©H$ [anmoQ>©Abridged Annual Report

2017-2018

{ZXoeH ‘§S>b Board of Directorsgwlr A§Obr ~§gbMs. Anjali Bansal

J¡a-H$m¶©H$mar Aܶj (23.05.2018 go)Non Executive Chairman (w.e.f. 23.05.2018)

lr a_oe Eg. qghShri Ramesh S Singh

H$m`©nmbH {ZXoeH Executive Director

Sm°. amOoe Hw$_ma `Xwd§erDr. Rajesh Kumar Yaduvanshi

H$m`©nmbH {ZXoeH Executive Director

lr AemoH Hw$_ma qghShri Ashok Kumar Singh

gaH$ma Zm{_V {ZXoeH Government Nominee Director

lr {earf gr. _wa_wShri Shirish C Murmu^m. {a. ~¢. Zm{_V {ZXoeH RBI Nominee Director

lr A{_V MQOr©Shri Amit Chatterjee

A§e-H m{bH - J¡a-gaH mar {ZXoeH Part-time Non-official Director

lr Or. JmonmbH¥$îUShri G. Gopalakrishna

A§e-H$m{bH J¡a-gaH$mar {ZXoeH Part-time Non-official Director

Sm°. `emodY©Z d_m©*Dr. Yasho Verdhan Verma*

eo`aYmaH {ZXoeH Shareholder Director

lr amHo$e Hw$_maShri Rakesh Kumar

eo`aYmaH {ZXoeH Shareholder Director

df© 2017-18 Ho Xm¡amZ {ZåZ{b{IV {ZXoeH ^r ~¢H Ho _§S>b H$s godm ‘| Wo.

During the year 2017-18, following Directors also served on the Board of the Bank

lr AídZr Hw$‘ma (31.12.2017 VH$) Shri Ashwani Kumar (Upto 31.12.2017)

lr‘Vr V¥îUm Jwhm (31.08.2017 VH$) Smt. Trishna Guha (Upto 31.08.2017)

lr ~§{H$‘ Ama. XogmB© (18.09.2017 VH$) Shri Bankim R Desai (Upto 18.09.2017)

lr C‘oe ~oëbya (23.03.2018 VH$) Shri Umesh Bellur (Up to 23.03.2018)

lr dr. MÝÐgoH$aZ (23.03.2018 VH$) Shri V. Chandrasekaran (Up to 23.03.2018)

* 23.03.2018 H$mo ‘§S>b go godm{Zd¥Îm hþE Am¡a 28.03.2018 go ‘ÊS>b ‘o nwZ…{Zdm©{MV hþE.

* Retired from the Board on 23.03.2018 and was re-elected on Board w.e.f. 28.03.2018.

gm§{d{YH$ boImnarjH$ Statuotry Auditors

a‘oe gr. AJ«dmb E§S> H§$nZr, {Xëbr Ramesh C Agrawal & Co, Delhi

E.~r.nr. E§S> Egmo{gEQ>, ^wdZoídaABP & Associates, Bhubaneswar

H¡$bme M§X O¡Z E§S> H§$nZr, ‘w§~B©Kailash Chand Jain & Co., Mumbai

gmaXm E§S> nmarH$, ‘w§~B© Sarda & Pareek, Mumbai

_hmà~§YH JU General Managers 1. lr ~r. E_. Z§X 2. lr Sr. Ho . XwAm

3. lr Eg. Ho . dmYdm

4. lr gr. Eg. _rUm

5. lr dr. Eg. IrMr

6. lr Eg. Y_©amOZ (30.04.2018 go godm {Zd¥Îm)

7. lr {dϐ$n Xmg

8. lr_Vr Cfm a{d (gr.E\ .Amo.)

9. lr Ama. Ho . ^maÛmO

10. lr_Vr O`m MH«$~Vr©

11. lr amo{hV Hw$_ma nQob (gr.Ama.Amo.)

12. lr _Z _mohZ JwßVm

13. lr EM. Ho . Xod

14. lr g§Ord Smo^mb

15. lr‘Vr {MÌm H$sVudmgZ (01.05.2018 go)

1. Shri B. M. Nanda 2. Shri D. K. Dua

3. Shri S. K. Wadhwa

4. Shri C. S. Meena

5. Shri V S Khichi

6. Shri S. Dharmarajan (Retd. on 30.04.2018)

7. Shri Bishwarup Dash

8. Smt. Usha Ravi (CFO)

9. Shri R. K. Bhardwaj

10. Smt. Jaya Chakraborty

11. Shri Rohit Kumar Patel (CRO)

12. Shri Man Mohan Gupta

13. Shri H K Deo

14. Shri Sanjeev Dobhal

15. Smt. Chitra Kirthivasan (w.e.f. 01.05.2018)

df© 2017-18 Ho Xm¡amZ {ZåZ{b{IV _hmà~§YH ^r ~¢H H r godm _o§ Wo.During the year 2017-18 following General Managers also served the Bank

lr {Z_©b Omoer (30.06.2017 VH ) Shri Nirmal Joshi (up to 30.06.2017)lr E_. Ho . ^m{Q`m (28.02.2018 VH ) Shri M. K. Bhatia (up to 28.02.2018)lr Eg. gaH ma (31.07.2017 VH ) Shri S. Sarkar (up to 31.07.2017)lr goëdmamO Ho . (02.03.2018 VH ) Shri Selvaraj K (up to 02.03.2018)

H§$nZr g{Md Ed§ AZwnmbZ A{YH$marCompany Secretary & Compliance Officer

lr A{_V Hw$_maShri Amit Kumar

a{OñQ—ma Ed§ eo`a A§VaU EOo§QqbH BZQmB_ B§{S`m àmBdoQ {b{_QoS`y{ZQ : XoZm ~¢H gr - 101, 247 nmH© , Eb. ~r. Eg. _mJ©,{dH«$mobr (n{ü_), _w§~B© - 400 083Qobr: +91 22 4918 6270B©_ob: rnt.helpdesk@linkintime.co.in

Registrars and Share Transfer AgentsLink Intime India Private LimitedUnit : Dena BankC – 101, 247 Park, LBS Marg,Vikhroli (West),Mumbai – 400 083Tel : +91 22 4918 6270 E-mail : rnt.helpdesk@linkintime.co.in

Amdí¶H$ gyMZm Important Information

àñVm{dV bm^m§e eyÝ` Proposed Dividend Nil

~hr ~§Xr 21.06.2018 go 27.06.2018 Book Closure 21.06.2018 to 27.06.2018

E. Or. E_.H$s {V{W Am¡a g_` ~wYdma, 27.06.2018(àmV… 11:00 ~Oo)

Date and Time of AGM Wednesday, 27.06.2018 (11:00 A.M.)

E. Or. E_. H$m ñWmZ g^mJ¥h, ga gmoam~Or nmoMImZdmbm ~¢H$g© à{ejU H$m°°boO, Oo. dr. nr. Sr. ñH$s_, Hy$na hm°pñnQb Ho nmg, Owhy, {dbonmbo© (n{ü_), _w§~B© - 400 056

AGM Venue Auditorium, Sir Sorabji Pochkhanawala Bankers’ Training College, J.V.P.D. Scheme, Near Cooper Hospital, Juhu, Vile Parle (West), Mumbai 400 056

{df¶ gyMr / CONTENTS

n¥ð> g§.> Page No.

H$m¶©nmbH$ {ZXoeH$ H$m g§Xoe 1 Message From Executive Director 45

{ZXoeH$m| H$s [anmoQ>© 4 Directors’ Report 47

Aݶ [anmoQ>© Am¡a ~ogb III àH$Q>rH$aU 7 Other Reports and Basel III Disclosures 49

H$mnm}aoQ> A{^emgZ [anmoQ>© 8 Corporate Governance Report 50

gr.B©.Amo. Ed§ gr.E’$.Amo. à‘mUnÌ 18 CEO & CFO Certificate 59

H$mnm}aoQ> A{^emgZ na boIm n[ajH$m| H$m à‘mUnÌ 19 Auditors’ Certificate on Corporate Governance 60

{ZXoeH$mo H$s énaoIm 20 Directors’ Profile 61

ñdV§Ì boIm narjH$m| H$s [anmoQ>© 26 Independent Auditors’ Report 66

g§{já VwbZ nÌ 28 Abridged Balance Sheet 68

g§{já bm^ Ed§ hm{Z boIm 31 Abridged Profit & Loss Account 71

ZJXr àdmh {ddaU 34 Cash Flow Statement 74

~¢H$ Ho nmg B© ‘ob AmB©.S>r. n§OrH$aU 36 Registration of E-mail ID with the Bank 76

gyMZm 37 Notice 77

‘w»Vmar (àm°³gr) ’$m‘© 40 Proxy Form 79

CnpñW{V-gh-àdoe nÌ 41 Attendance Slip-cum-Entry Pass 80

B©.gr.Eg. A{YXoe ’$m‘© 43 ECS Mandate Form 82

1g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

H$m`©nmbH$ {ZXoeH$ H$m g§Xoe

{à` eo`aYmaH$m|,

df© 2017-18 Ho$ {bE AmnHo$ ~¢H$ H$s dm{f©H$ [anmoQ>© AmnHo$ g‘j àñVwV H$aVo hþE ‘wPo ~hþV Iwer hmo ahr h¡.

df© Ho$ Xm¡amZ:

~¢H$ Zo Aºy$~a, 2017 ‘mh ‘| ~mOma go Ah©Vmàmá g§ñWmZm| Ho$ ñWmnZ (Š`y.AmB©.nr.) Ho$ A§VJ©V B{¹$Q>r eo`am| H$mo {ZJ©‘ H$aHo$ ê$. 401.26 H$amo‹S> OwQ>mE.

^maV gaH$ma Zo én`o 3045 H$amo‹S> H$s ny§Or Ho$ ê$n ‘| {Zdoe {H$`m h¡. {Zdoe H$s JB© ny§Or go 11.09% H$s ny§Or n`m©áVm AZwnmV H$mo ~ZmE aIZo ‘| AmnHo$ ~¢H$ H$mo ghm`Vm {‘br h¡.

BgHo$ A{V[aŠV, ~¢H$ Zo AnZo CYmam| H$mo ê$ 125 H$amo‹S> Ho$ Q>r`a I AmB©.nr.S>r.AmB©. ~m°ÝS>m| Ho$ ‘moMZ Ûmam Am¡a ê$ 1400 H$amo‹S> ~ogb III AZwnmbZ A{V[aº$ Q>r`a I ~m°ÝS> H$mo H«$` {dH$ën H$m à`moJ H$aHo$ MwH$m`m h¡.

Bg df©, AmB©~rE ~¢qH$J VH$ZrH$s nwañH$ma 2018 ‘| bKw ~¢H$m| Ho$ ~rM, AmnHo$ ~¢H$ H$mo gd©loð> {dÎmr` g‘mdoeZ nhb H$s loUr ‘| {dOoVm Ho$ ê$n ‘| {ZU©` {X`m J`m Wm. h‘mao Xoe ‘| {dÎmr` g‘mdoeZ H$s àJ{V Ho$ {bE AmnHo$ ~¢H$ Ûmam {Za§Va {H$E JE à`mgm| hoVw {‘br EH$ nhMmZ go h‘| Iwer hmo ahr h¡.

{dÎmr` df© 2017-18 Ho$ {bE ~¢H$ Ho$ AÝ` H$m`©{ZînmXZ H$s à‘wI {deofVmAm| Ho$ ~mao ‘| AmnH$mo gy{MV H$aZo go nyd©, ‘¢ AmnH$mo Am{W©H$ n[apñW{V`m|, d¡{œH$ Am¡a ^maVr` XmoZm| n[apñW{V`m|, ^maVr` ~¢qH$J CÚmoJ ‘| ZB© àd¥{Îm`m|, BgH$s MwZm¡{V`m|, Adgam| Am¡a ^{dî` H$s ê$naoIm Ho$ ~mao ‘| {Og‘| AmnH$m ~¢H$ H$m`© H$a ahm h¡ Ho$ g§~§Y ‘| g§jon ‘| CëboI H$aVm hy±.

Am{W©H$ AdbmoH$Z

2016 Ho$ ‘Ü` go d¡{œH$ AW©ì`dñWm ‘| dgybr ì`mnH$ Am¡a gwÑ‹T> hþB© h¡. {dœ Am{W©H$ AmCQ>bwH$ [anmoQ>© Ho$ AZwgma, {díd H$s AW©ì`dñWm ‘| 3.8% d¥{Õ 2011 Ho$ níMmV go g~go Vrd«Va Wr. {dH${gV d¡{œH$ {Zdoe Am¡a ì`mnma Ho$ nyd©, 2018 Am¡a 2019 ‘| 3.9% d¥{Õ VH$ nhþ§MZm Ano{jV h¡. {dH$mg H$s J{V H$s ^{dî` ‘| C‚db g§^mdZmE§ h¢ Š`m|{H$ g^r Xoem| ‘| g§aMZmË‘H$ gwYmam| Am¡a amOH$mofr` Zr{V`m| Ho$ {bE Adga {dÚ‘mZ h¢ Omo CËnmXH$Vm H$mo ~‹T>mVr Am¡a g‘mdoer d¥{Õ H$aVr h¡.

^maVr` AW©ì`dñWm

{dÎmr` df© 2017-18 ‘|, ^maVr` AW©ì`dñWm Zo dñVw Ed§ godm H$a (Or.Eg.Q>r.) bmJy H$a EH$ ‘rb H$m nËWa ñWm{nV {H$`m h¡. dñVw Ed§ godm H$a Zo AW©ì`dñWm Ho$ H$a AmYma Am¡a H$a ^wJVmZ g§ñH¥${V joÌ H$s d¥{Õ ‘| ghm`Vm H$s h¡. EH$ Am¡a CnbpãY {S>{OQ>b B§{S>`m H$m`©H«$‘ h¡. BgZo Z Ho$db h‘mao Xoe H$mo ZH$Xr a{hV {Z^©a AW©ì`dñWm H$s Amoa AJ«ga hmoZo ~pëH$ Jar~m| H$mo gm‘m{OH$ bm^m| H$mo A{YH$ à^mdr T>§J go nhþMmZo ‘| ghm`Vm H$s h¡.

2017 ‘| Kmo{fV gmd©O{ZH$ joÌ Ho$ à‘wI ~¢H$m| Ho$ {bE nwZ:ny§OrH$aU `moOZm Zo ny§Or ~’$a H$mo {’$a go ghm`Vm H$s Am¡a {dH$mg H$mo g‘W©Z XoZo hoVw ~¢qH$J joÌ H$s j‘Vm ‘| gwYma {H$`m. VWm{n, ~¢H$m| ‘| EZ.nr.E. Am¡a YmoImY‹S>r Ho$ ~‹T>Vo ñVa H$mo {Z`§{ÌV H$aZo Ho$ {bE ‘O~yV V§Ì ~ZmZo H$s Amdí`H$Vm h¡.

{Xdmbm Am¡a {Xdm{b`mnZ g§{hVm Ho$ H$m`m©Ýd`Z go g^r {hVYmaH$m| H$mo ~hþV Cå‘rX h¢ Am¡a `h Anojm H$s OmVr h¡ {H$ ~¢qH$J joÌ H$mo g‘`-~Õ F$U dgybr V§Ì ‘| ghm`Vm H$aoJm Am¡a H$m°nm}aoQ> EZ.nr.E. H$mo H$‘ H$aoJm, {OgH$m H$B© ~¢H$m| H$mo gm‘Zm H$aZm n‹S> ahm h¢.

AW©ì`dñWm Ho$ g‘{ï> ‘yb^yV {gÕm§V, ‘wÐmñ’$s{V Am¡a Am¡Úmo{JH$ CËnmXZ Zo {dÎmr` df© 2017-18 Ho$ Xm¡amZ H$‘ CËnmXZ Am¡a H$‘ ‘wÐmñ’$s{V ñVa g{hV {dH$mg H$s

{‘{lV N>{d àX{e©V H$s h¡.

{nN>bo Hw$N> dfm] Ho$ Xm¡amZ Am{W©H$ gwYmam| H$s `mÌm MwZm¡VrnyU© ahr h¡ na§Vw gmW hr à{V’$b XoZo dmbr ^r ahr h¡. gaH$ma Ûmam {H$E JE gwYmam| Ho$ n[aUm‘ñdê$n, {dXoer àË`j {Zdoe ~‹T> J`m h¡. gaH$ma Ûmam {H$E JE Cnm`m| Zo ^maV ‘| H$mamo~ma H$aZm A{YH$ gab ~Zm {X`m h¡. àmH¥${VH$ g§gmYZ A~ nmaXeu Am¡a {Zînj ê$n go Amd§{Q>V {H$E OmVo h¢.

~¢qH$J CÚmoJ H$s àd¥{Îm`m§

{dÎmr` df© 2017-18 Ho$ Xm¡amZ, ~¢H$m| Zo gVV {dH$mg Ho$ {bE ZB© aUZr{V`m| H$mo b{jV H$aVo hþE, {Z`‘m|, {damgVr àUmbr, {dKQ>ZH$mar ‘m°S>b, àm¡Úmo{J{H$`m|, ZE à{V`mo{J`m|, Am¡a EH$ gVV J«mhH$ AmYma ‘| ahH$a H$B© MwZm¡{V`m| H$m gm‘Zm {H$`m h¡. ~¢H$m| Ho$ VwbZnÌ EZnrE Ho$ ñVa ‘| d¥{Õ Ho$ àmdYmZ Ho$ gmW X~mdJ«ñV h¢ {OgHo$ n[aUm‘ñdê$n Ý`yZVa bm^àXVm h¡.

VWm{n, ~¢qH$J CÚmoJ {Z`m‘H$ Cnm`m| O¡go nwZ:ny§OrH$aU ~m°ÝS> {ZJ©‘ H$aZm, g§emo{YV EZnrE ê$naoIm Am¡a ^maV gaH$ma Ûmam {Xdmbm Am¡a {Xdm{b`mnZ g§{hVm Ho$ H$m`m©Ýd`Z O¡gr {d{^Þ H${R>Z MwZm¡{V`m| H$m gm‘Zm H$a ahm h¡ Am¡a ^maVr` [aµOd© ~¢H$ H$mo Bg X~mdnyU© n[aÑí` go CÚmoJ Ho$ ~mha AmZo H$m Anojm h¡.

~¢qH$J CÚmoJ ‘| Ho$db {Za§Va J«mhH$ H|${ÐVVm, {d{Z`m‘H$ nwZ… Om§M, àm¡Úmo{JH$s à~§YZ Am¡a A§JrH$aU, gmB~a OmopI‘ H$‘ H$aZo Am¡a ZE dmVmdaU Ho$ AZwê$n h‘mao H$m`©~b H$mo nwZJ©{R>V H$aZo Ho$ ‘mÜ`‘ go hr XrK©H$m{bH$ gVV {dH$mg H$s Anojm H$s OmVr h¡.

~¢H$ H$m {ZînmXZ

{dÎmr` df© 2017-18 Ho$ Xm¡amZ AmnHo$ ~¢H$ Ho$ {ZînmXZ H$s à‘wI {deofVmE§ Bg àH$ma h¢:

- ‘wPo AmnH$mo `h gy{MV H$aVo hþE àgÞVm hmo ahr h¡ {H$ {dÎm df© 2017-18 Ho$ Xm¡amZ, AmnHo$ ~¢H$ Zo àmW{‘H$Vm àmßV joÌ, H¥${f, J¡a-H$m°nm}aoQ> {H$gmZm|, N>moQ>o Am¡a gr‘m§V {H$gmZm|, H$‘Omoa dJ© Am¡a gyú‘ CÚ‘m| Ho$ A§VJ©V {XE JE g^r {d{Z`m‘H$ bú`m| H$mo àmßV H$a {b`m h¡.

- ~¢H$ Zo Cƒ bmJV dmbo O‘mam{e`m| H$mo Z boZo na AnZm éI Omar aIm Am¡a VXZwgma Hw$b O‘m AZwnmV H$m H$mgm % ‘mM© 2017 ‘| 37.93% go ~‹T>H$a ‘mM© 2018 ‘| 40.03% hmo J`m.

- ~¢H$ Ho$ O‘m grS>r AZwnmV ‘| F$U ‘mM©, 2017 ‘| 68.05% go ~‹T>H$a ‘mM©, 2018 ‘| 69.95% hmo J`m.

- H¥${f A{J«‘ 31 ‘mM©, 2017 Ho$ ê$. 16,375 H$amo‹S> go ~‹T>H$a 31 ‘mM©, 2018 H$mo ê$. 18,179 H$amo‹S> hmo J`m, {d{Z`m‘H$ bú` 18% H$mo nma H$aHo$ 11.02% H$s d¥{Õ XO© H$s Am¡a g‘m`mo{OV ZoQ> ~¢H$ H«o${S>Q> (EEZ~rgr) H$m 21.38% ahm.

- àmW{‘H$Vm àmßV joÌ H$mo A{J«‘ ‘mM©, 2018 H$mo 40% Ho$ {d{Z`m‘H$ ~|M‘mH©$ H$mo nma H$aHo$ é. 35, 949 H$amo‹S> ahm Omo g‘m`mo{OV ZoQ> ~¢H$ H«o${S>Q> (EEZ~rgr) H$m 42.27% h¡.

- ~¢H$ H$s {Zdb ã`mO Am` ‘mM©, 2017 H$s ê$. 2,408.36 H$amo‹S> go ~‹T>H$a ‘mM©, 2018 ‘| ê$. 2,475.82 H$amo‹S> hmo JB© Am¡a Bgr Ad{Y Ho$ {bE {Zdb ã`mO ‘m{O©Z 2.00% go 2.19% VH$ H$s d¥{Õ hþB©.

- ~¢H$ H$s O‘m am{e H$s bmJV {dÎm df© 2016-17 ‘| 6.43% go KQ>H$a {dÎm df© 2017-18 ‘| 5.62% hmo JB©.

2g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

AmpñV JwUdËVm

{dÎmr` df© 2017-18 Ho$ Xm¡amZ, ~¢H$ Zo {nN>bo df© Ho$ Xm¡amZ hþB© 1,119.87 H$amo‹S> H$s ZH$X dgybr H$s VwbZm ‘| é. 931.24 H$amo‹S> H$s dgybr H$s.

AmnHo$ ~¢H$ Zo ~Å>o ImVm| ‘| {nN>bo df© Ho$ Xm¡amZ ê$. 120.08 H$amo‹S> Ho$ g‘j ê$ 146.60 H$amo‹S> dgyb {H$E.

31 ‘mM©, 2018 H$mo, gH$b EZnrE {nN>bo df© Ho$ Xm¡amZ ê$. 12,618.73 H$amo‹S> Ho$ g‘j ê$. 16,361.44 H$amo‹S> ahm. gH$b EZnrE à{VeV {nN>bo df© 16.27% H$s VwbZm ‘| 22.04% h¡.

31 ‘mM©, 2018 H$mo {Zdb EZnrE {nN>bo df© Ho$ Xm¡amZ ê$ 7,735.12 H$amo‹S> Ho$ g‘j ê$ 7,838.78 H$amo‹S> ahm. {Zdb EZnrE à{VeV {nN>bo df© Ho$ Xm¡amZ 10.66% H$s VwbZm ‘| 11.95% h¡.

ny§Or n`m©áVm ‘mZX§S>

~ogb lll ‘mZX§S>m| Ho$ A§VJ©V OmopI‘ (^m[aV) AmpñV AZwnmV (grAmaEAma) H$mo ny§Or 31 ‘mM© 2017 H$mo 10.875% H$s {d{Z`m‘H$ Amdí`H$Vm Ho$ g‘j 11.39% go H$‘ hmoH$a 31 ‘mM© 2018 H$mo 11.09% hmo JB©.

Bgr àH$ma, ~¢H$ H$s grB©Q>r 1 ny§Or AZwnmV 7.38% {d{Z`m‘H$ Amdí`H$Vm Ho$ g‘j 31 ‘mM© 2017 H$mo 7.24% Ho$ g‘j 31 ‘mM© 2018 H$mo 8.81% hmo JB©.

emIm {dñVma

n[aMmbZJV ì`` Am¡a XjVm ‘| gwYma Ho$ Ñ{ï>JV, ~¢H$ Zo emIm ImobZo na EH$ gOJ Cnm` {H$`m J`m h¡ Am¡a {dÎmr` df© 2017-18 Ho$ Xm¡amZ H$moB© ^r ZB© emIm Zht Imobr JB©. ~¢H$ Zo emIm H$mo `w{º$g§JV ~ZmZo H$s à{H«$`m ^r Ama§^ H$s h¡. VX-Zwgma ~¢H$ Ho$ {ZXoeH$ ‘§S>b Zo 17 emImAm| H$mo AÝ` emImAm| Ho$ gmW {db` H$mo AZw‘m{XV H$a {X`m h¡, {OZ‘| go 2 emImE§ {dÎmr` df© 2017-18 Ho$ Xm¡amZ {db` H$a Xr JB© Wt. 31 ‘mM©, 2018 H$mo (72 g¡Q>obmB©Q> emImAm| g{hV) AmnHo$ ~¢H$ H$s 1,872 emImE§ h¢.

‘mZd g§gmYZ {dH$mg

df© 2017-18 Ho$ Xm¡amZ, ~¢H$ Zo 21 n[adrjmYrZ A{YH$mar, 13 {deofk A{YH$mar, 128 {b{nH$ Am¡a 148 AYrZñW H$‘©Mm[a`m| H$s ^Vu H$s h¡. dV©‘mZ ‘| ~¢H$ ‘| ‘mZd ny§Or 13,613 h¢ {Og‘| go 3,705 ‘{hbmE§ h¢.

{S>{OQ>b nhb

AmnHo$ ~¢H$ Zo J«mhH$m| Ho$ gmW-gmW AnZo H$‘©Mm[a`m| Ho$ {bE {Z~m©Y Am¡a gw{dYm g‘mYmZ àXmZ H$aZo Ho$ {bE {d{^Þ {S>{OQ>b nhb Ama§^ H$s h¢. g’$bVmnyd©H$ H$m`m©pÝdV {H$E JE. Hw$N> {S>{OQ>b nhb Bg àH$ma h¡:-

- 29 Jm§dm| H$m {S>{OQ>mBOoeZ

- ~¢H$ Zo ZE ‘mo~mBb ~¢qH$J AZwà`moJ H$m ew^ma§^ {H$`m h¡.

- ZE B§Q>aZoQ> ~¢qH$J AZwà`moJ H$m ew^ma§^ {H$`m h¡.

- EH$sH¥$V ^wJVmZ B§Q>a’o$g (`ynrAmB©) AZwà`moJ H$m ew^ma§^

- ̂ r‘ AmYm[aV no AZwà`moJ ewê$ {H$`m J`m Am¡a 12,796 ^r‘ AmYma ì`mnm[a`m| H$mo àXmZ {H$E JE.

- OmarH$Vm© Ho$ {bE ^maV Š`yAma H$moS> (`ynrAmB© AmYm[aV ^wJVmZ) Am¡a A{YJ«hUH$Vm© (nrAmoEg AmYm[aV ^wJVmZ) godm ‘| h¢.

- J«mhH$ Ho$ {bE dñVw Ed§ godm H$a ^wJVmZ ‘m°S>çyb H$m g’$b g§MmbZ

- 7,565 nrAmoEg Q>{‘©Zbm| H$m {Z`moOZ {H$`m J`m h¢ {Og‘| go 302 nrAmoEg Q>{‘©Zbm| H$mo Q>r`a 5 Am¡a 6 H|$Ðm| ‘| {Z`mo{OV {H$`m J`m h¡.

~rnrAma nhb

~¢H$ Zo ê$nm§VaU `moOZm - XoZm àJ{V Ho$ {bE ~rgrOr Ho$ gmW gmPoXmar H$s h¡ Am¡a AmnHo$ ~¢H$ Zo ZE CËnmXm| H$m ew^ma§^ {H$`m h¡ Am¡a ZB© àUmbr Am¡a à{H«$`mAm| H$s ñWmnZm H$s h¡.

I. ~¢H$ Zo H|$ÐrH¥$V ImVm ImobZo Ho$ {bE EH$ Z`m H$mgm ~¡H$-Am°{’$g Imobm h¡.

II. ApIb ^maVr` ñVa na brS> H$m àg§ñH$aU H$aZo Ho$ {bE brS> à~§YZ àUmbr ‘XoZm gånH©$’ Ama§^ H$s h¡.

III. AmB©drAma AmYm[aV H$m°b g|Q>a: à{V ‘mh bJ^J Am¡gV 50000 BZ~mC§S> H$m°b àmá {H$E OmVo h¢.

IV. Amemo{YV à{H«$`m àdmh Am¡a IwXam F$U àg§ñH$aU Ho$ {bE b¢S> na’o$ŠQ> gm°âQ>do`a Ho$ {deof Cn`moJ Ho$ gmW {dÚ‘mZ IwXam AmpñV àg§ñH$aU H|$Ð nwZJ©{R>V Wm.

V. R>mUo A§Mb ‘| nm`bQ> Ho$ ê$n ‘| 29 emImAm| Ho$ {bE E‘EgE‘B© h~ bm°ÝM {H$`m J`m.

VI. {S>{OQ>b M¡Zbm| ‘| n§OrH$aU H$mo ~‹T>mZo Ho$ {bE g^r emImAm| ‘| {S>{OQ>b nmR>embm H$m Am`moOZ {H$`m J`m Wm

AÝ` nhb|

1. Cn^moº$m F$U I§S> ‘| dmhZ F$U gmo{gªJ Ho$ {bE S>rba noAmCQ> `moOZm.

2. Amdmg F$U àñVmdm| H$s gmo{gªJ Ho$ {bE Amdmg F$U gbmhH$mam| H$mo gyMr~Õ H$aZm.

3. N>moQ>o CYmaH$Vm©Am| Ho$ {bE ZB© EH$ ‘wíV ̂ wJVmZ ̀ moOZm- XoZm F$U ‘w{º$ ̀ moOZm H¥${f Am¡a E‘EgE‘B© g{hV g^r joÌm| H$mo H$da H$aVr h¡.

4. AnZo J«mhH$m| H$mo ~ohVa CËnmX àXmZ H$aZo Ho$ {bE, AmnHo$ ~¢H$ Zo {d{^Þ JR>Omo‹S> ì`dñWm H$s h¢ O¡go {H$:

H$. ̀ mÌr H$ma {dÎm ì`dñWm Ho$ {bE ‘mé{V gwOwH$s B§{S>`m {b{‘Q>oS> Ho$ gmW JR>Omo‹S> ì`dñWm

I. E‘EgE‘B© F$U brS> H$s gmo{gªJ Ho$ {bE EgE‘B©AmaE aoqQ>J {b{‘Q>oS> Ho$ gmW JR>Omo‹S> ì`dñWm

J. E‘EgE‘B© F$U XoZo ‘| gwYma Ho$ {bE, ~¢H$ Zo [agrd~b EŠgM|O Am°’$ B§{S>`m {b{‘Q>oS> (AmaEŠgAmB©Eb) Ho$ gmW Q´oS> [agrd~b {S>ñH$mC§qQ>J {gñQ>‘ (Q>rAmaB©S>rEg) H$mamo~ma Ho$ {bE CZHo$ Am°ZbmBZ ßboQ>’$m‘© na n§OrH$aU {H$`m h¡

K. B©S>ãë`yEg/EbAmB©Or/E‘AmB©Or Am¡a J«m‘rU Amdmg ã`mO gpãgS>r `moOZm (Ama.EMAmB©EgEg) Ho$ {hVm{YH$mar`m| Ho$ {bE àYmZ ‘§Ìr Amdmg `moOZm - H«o${S>Q> qbŠS> gpãgS>r `moOZm (nrE‘E-grEbEgEg) Ho$ H$m`m©Ýd`Z Ho$ {bE amï´>r` Amdmg ~¢H$ Ho$ gmW JR>Omo‹S> ì`dñWm

g‘m§do{eV g§d¥{Õ

Am{W©H$ g§d¥{Õ Ho$ bm^m| H$m bm^ CR>mZo Ho$ {bE, h‘| Bgo g‘mdo{eV ~ZmZo H$s Amdí`H$Vm h¡. AnZo Amn Ho$ {bE ‘yë`dmZ hmoZo Ho$ A{V[aŠV, g‘mdoer {dH$mg Am{W©H$ {dH$mg H$mo AmJo ~‹T>mVm h¡. O¡gm {H$ nhbo hr C„oI {H$`m J`m h¡, AmnHo$ ~¢H$ Zo Bg joÌ ‘| AgmYmaU ê$n go AÀN>m àXe©Z {H$`m h¡ Am¡a {dÎmr` g‘mdoeZ Ho$ joÌ ‘| AnZr nhbm| Ho$ {bE nhMmZ àmá H$s h¡.

AmnHo$ ~¢H$ Zo 18.50 bmI ImVm| Ho$ bú` Ho$ g‘j àYmZ ‘§Ìr OZ YZ `moOZm (>nrE‘OoS>rdmB©) Ho$ A§VJ©V 44.06 bmI ImVo Imobo h¢ Am¡a 26.52 bmI éno H$mS©> Omar {H$E h¢.

3g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

AmnHo$ ~¢H$ Zo {dÎmr` g‘mdoeZ Ho$ VhV Amd§{Q>V g^r 6,485 Jm§dm| H$mo H$da {H$`m h¡, {OZ‘| go 746 Jm§d nma§n[aH$ emImAm| Ho$ ‘mÜ`‘ go H$da {H$E JE h¢ Am¡a 5,739 Jm§d H$mamo~ma à{V{Z{Y ‘m°S>b Ho$ ‘mÜ`‘ go H$da {H$E JE h¢. AmnHo$ ~¢H$ Zo 31 ‘mM© 2018 VH$ AmYma Ho$ {bE 10.60 H$amo‹S> {Zdm{g`m| H$mo Zm‘m§{H$V {H$`m h¡ Am¡a `y.AmB©.S>r.E.AmB©. H$mo J¡a-amÁ` a{OñQ´mam| Ho$ ~rM erf© ñWmZ àmá {H$`m h¡.

^mdr `moOZmE§

df© 2018-19 Ho$ {bE, EZnrE ‘| H$‘r H$aZm ~¢H$ Ho$ {bE g~go ~‹S>r àmW{‘H$Vm ahoJr. Bg df© AmnH$m ~¢H$ EZ.gr.Eb.Q>r. Ho$ g§X{^©V H$m°nm}aoQ> EZnrE ‘m‘bm| Ho$ g‘mYmZ go ~‹S>r dgybr H$s ^r Anojm H$aVm h¡. BgHo$ A{V[aŠV, ~¢H$ IwXam EZnrE Ho$ ñVa H$mo H$‘ H$aZo na ^r Ü`mZ H|${ÐV H$aoJm Am¡a g^r à`mg {H$E OmE§Jo Am¡a {deof ê$n go ~Å>o ImVm| ‘| A{YH$ dgybr ‘| Ü`mZ H|${ÐV H$aoJm.

AmnHo$ ~¢H$ Zo à^mdr dgybr à{H«$`m gw{Z{üV H$aZo Ho$ {bE dgybr Ho$ à`mgm| na Ü`mZ H|${ÐV H$aZo Ho$ CÔoí` go EH$ Z`m X~mdJ«ñV AmpñV à~§YZ d{Q©>H$b {Z{‘©V {H$`m h¡.

~¢H$ H$mgm, IwXam, E‘EgE‘B© Am¡a H¥${f A{J«‘m| na AnZm Ü`mZ Omar aIoJm.

~¢H$ Zo ~rnrAma ê$nm§VaU n[a`moOZm Ho$ ‘mÜ`‘ go {d{^Þ ZB© à{H«$`mAm| Am¡a àUm-br AmemoYZm| H$s ewéAmV H$s h¡, {Og‘| Bg {dÎmr` df© Ho$ Xm¡amZ BZ ê$nm§VaU n[a`moOZmAm| Ho$ dmñV{dH$ bm^ Ano{jV hm|Jo.

Am^ma

A§V ‘|, ‘¢ `h H$hZm Mmhÿ§Jm {H$ ^maV gaH$ma, ^maVr` [aOd© ~¢H$, {d{^Þ amÁ` gaH$mam|, ^maVr` à{V^y{V {d{Z‘` ~moS©>, ~r‘m {d{Z`m‘H$ Ed§ {dH$mg àm{YH$aU Am¡a AÝ` g^r {hVYmaH$m| H$mo CZHo$ ~hþ‘yë` g§ajU, ‘mJ©Xe©Z, g‘W©Z Ho$ {bE YÝ`dmX ì`ŠV H$aVm hÿ§ Am¡a g‘`mo{MV gbmh Am¡a CZHo$ {Za§Va g‘W©Z Am¡a gh`moJ H$s Anojm H$aVm hÿ§.

{dÎmr` df© 2017-18 H$s MwZm¡VrnyU© Ad{Y Ho$ Xm¡amZ AnZo ‘yë`dmZ g§ajU Am¡a g‘W©Z Ho$ {bE g^r eo`aYmaH$m|, J«mhH$m| Am¡a ew^qMVH$m| H$mo ^r ‘¢ YÝ`dmX XoVm hÿ§ Am¡a CZHo$ {Za§Va g§ajU àmßV H$aZo H$s Anojm H$aVm hÿ§.

~¢H$ H$m ‘§S>b Bg MwZm¡VrnyU© g‘` Ho$ Xm¡amZ ~¢H$ H$m bJmVma ‘mJ©Xe©Z H$a ahm h¡ Am¡a ‘¢ CZHo$ àmoËgmhZ Am¡a ‘mJ©Xe©Z H$s gamhZm H$aVm hÿ§.

‘¢ ~¢H$ H$mo {XE Om aho g‘W©Z Ho$ {bE Zm~mS©>, {gS>~r Am¡a AÝ` {dÎmr` g§ñWmZm|, ~¢H$m| Am¡a à{V{Z{Y`m| H$m ^r Am^mar hÿ§.

A§V ‘|, ~¢H$ Ho$ g^r ñQ>m’$ gXñ`m| Ûmam {H$E JE AWH$ Am¡a AZdaV à`mgm| H$s gamhZm H$aVm hÿ§, {OZHo$ gh¶moJ Ho$ {~Zm Bg MwZm¡VrnyU© g‘` ‘| hm{gb H$s JB© àJ{V g§^d Zht hmo gH$Vr Wr. g§ñWmZ H$mo {XE Om aho {Za§Va g‘W©Z Ho$ {bE ñQ>m’$ Ho$ n[adma gXñ`m| Ho$ à{V ^r ‘¢ Am^ma ì`ŠV H$aVm hÿ§.

‘¢ AmJm‘r dfm] ‘| ~¢H$ H$s {Za§Va àJ{V Ho$ {bE g^r {hVYmaH$m| Ho$ {Za§Va gh`moJ Am¡a g‘W©Z H$s Anojm H$aVm hÿ§.

ew^H$m‘ZmAm| g{hV,

(a‘oe Eg. qgh)

4g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

{ZXoeH$m| H$s [anmoQ>© 2017-18

godm ‘|g^r gXñ¶JU,

31 _mM©, 2018 H$mo g_mßV {dÎmr` df© Ho boImo§ Ho boIm nar{jV {dÎmr` {ddaU VWm ZH$Xr àdmh {ddaU Ho gmW ~¢H H$s dm{f©H {anmoQ© àñVwV H$aVo hwE {ZXoeH _§Sb H$mo AË`§V àgÝZVm hmo ahr h¡.

2. {dÎmr` {ZînmXZ H$s {d{eîQVmE§

i) ~¢H$ H$s ~MV ~¢H O_mam{e`m°§ 31 _mM©, 2017 Ho é. 36,239 H$amo‹S go ~‹TH$a 31 _mM©, 2018 H$mo é. 36,471 H$amo‹S VH nhw§M JB©, Omo {H 0.64% d¥{Õ Xem©Vr h¡.

ii) ~¢H H$s H$mgm O_mam{e`m°§ 31 _mM©, 2017 Ho é. 43,222 H$amo‹S go KQH$a 31 _mM©, 2018 H$mo é. 42,485 H$amo‹S VH nhw§M JB©, Omo {H 1.71% H$s H$_r Xem©Vr h¡. Hw$b O_m Ho én _o§ H$mgm Ho à{VeV _o§ 31 _mM© 2017 Ho 37.93% go 31 _mM© 2018 H$mo 40.03% H$s d¥{Õ hwB©.

iii) àmW{_H$Vm joÌ A{J«_ 31 _mM©, 2017 Ho é. 36,992 H$amo‹S go ~‹TH$a 31 _mM©, 2018 H$mo é. 35,949 H$amo‹S VH nhw§M J`m, Omo {H 2.82% H$s ZH$mamË_H d¥{Õ Xem©Vm h¡ Am¡a `h g_m`mo{OV {Zdb ~¢H gmI (E.EZ.~r.gr.) H$m 42.27% ahm Omo {H {d{Z`m_H bú` 40% H$mo nma H$a {b`m.

iv) H¥${f G$U 31 _mM© 2017 Ho é. 16,375 H$amo‹S go ~‹TH$a 31 _mM© 2018 H$mo é. 18,179 H$amo‹S hmo JB© Omo {H 11.02% H$s df©-Xa-df© d¥{Õ Xem©Vr h¡ Am¡a `h g_m`mo{OV {Zdb ~¢H gmI (E.EZ.~r.gr.) H$m 21.38% ahm Omo {H {d{Z`m_H bú` 18% go A{YH h¡.

v) àmW{_H$Vm joÌ E_.Eg.E_.B©. A{J«_ 31 _mM© 2017 Ho é 15,316 H$amo‹S go H$_ hmoH$a 31 _mM© 2018 H$mo é 11,638 H$amo‹S hmo J`m h¡ Omo {H 24.01% H$s ZH$mamË_H d¥{Õ Xem©Vm h¡.

vi) Hw$b IwXam A{J«_ _o§ df©-Xa-df© 0.46% ZH$maË_H d¥{Õ hwB© h¡ Am¡a 31 _mM© 2017 Ho é 13,301 H$amo‹S H$s VwbZm _o§ 31 _mM© 2018 H$mo é 13,240 H$amo‹S Ho ñVa na nhw§M J`m.

vii) ~¢H H$m n{aMmbZJV bm^ {dÎmr` df© 2016-17 Ho {bE é 1390 H$amo‹S H$s VwbZm _o§ {dÎmr` df© 2017-18 _o§ é 1171 H$amo‹S hmo J`m h¡, Omo {H 15.76% H$s H$_r Xem©Vm h¡.

viii) {dÎm df© 2016-17 Ho {bE é 2,906 H$amo‹S H$s VwbZm _o§ {dÎmr` df© 2017-18 Ho {bE {Zdoemo§ na ã`mO Am` é 2682 hmo JB©, Omo {H 7.71% H$s H$_r Xem©Vr h¡.

ix) ~ogb III Ho A§VJ©V Omo{I_ ^m{aV AmpñV`mo§ H$s VwbZm _o§ ny§Or AZwnmV (gr.Ama.E.Ama.) _o§ H$_r AmB© Am¡a 31 _mM© 2017 H$mo 11.39% H$s VwbZm _o§ 31 _mM© 2018 H$mo 11.09% ahm.

x) ~¢H H$m Qr`a & ny§Or AZwnmV 31 _mM© 2017 H$mo 9.05% go H$_ hmoH$a 31 _mM© 2018 H$mo, 8.81% hmo J`m.

xi) EZ.nr.E. ImVmo§ _o§ ZH$Xr dgybr {dÎmr` df© 2016-17 Ho é. 1,119.87 H$amo‹S go ~‹TH$a {dÎmr` df© 2017-18 _o§ 931.24 H$amo‹S hmo JB©.

xii) ~Åo ImVo Smbo JE ImVmo§ _o§ dgybr {dÎmr` df© 2016-17 Ho é. 115 H$amo‹S go ~‹TH$a {dÎmr` df© 2017-18 _o§ é. 142 H$amo‹S hmo JB©.

xiii) O_mam{e`mo§ H$s bmJV {dÎm df© 2016-17 Ho 6.43% go KQH$a {dÎm df© 2017-18 H$mo 5.62% ahr Am¡a n{aUm_ñdén O_mam{e`mo§ na ã`mO ì`` 31 _mM© 2017 Ho é. 7,213 H$amo‹S go KQH$a 31 _mM© 2018 H$mo é. 5,955 H$amo‹S ahm.

xiv) _w»` gm§p»`H$s(é. H$amo‹S _o§)

{ddaU31 _mM© H$mo

2017 2018O_mE§ 1,13,943 1,06,130A{J«_ 77,538 74,239H$mamo~ma g§{_l 1,91,481 1,80,369{Zdoe 40,190 38,040àmW{_H$Vm joÌ 36,992 35,949H¥${f 16,375 18,179{aQob 13,301 13,240E_.Eg.E_.B©-nr.Eg. 15,316 11,638gH$b EZ.nr.E. 12,619 16,361{Zdb EZ.nr.E. 7,735 7,839Hw$b A{J«_mo§ _o§ Hw$b EZ. nr. E. H$m % 16.27 22.04{Zdb A{J«_mo§ _o§ {Zdb EZ. nr. E. H$m % 10.66 11.95

3. Am` H$m {díbofU

{dÎmr` df© 2017-2018 Ho {bE ~¢H H$m {dÎmr` H$m`© {ZînmXZ BgHo ZrMo gma én _o§ àñVwV {H$`m J`m h¡…

(énE H$amo‹S _o§)

{ddaU 31 _mM© H$mo

2017 2018n{aMmbZJV bm^ 1,390.21 1,171.16

ã`mO Am` 10,181.67 8,932.23

ã`mO ì`` 7,773.31 6,456.41

{Zdb ã`mO Am` 2,408.36 2,475.82

J¡a ã`mO Am` 1,251.39 1,163.52

àmdYmZ Ed§ AmH$pñ_H$VmE§ 2,253.84 3,094.31

H$a nyd© bm^ (1,275.36) (3178.75)

H$amo§ Ho {bE àmdYmZ (411.73) (1255.60)

{Zdb bm^ (863.63) (1923.15)

4. à_wI {dÎmr` gyMH$ (% _o)

{ddaU 31 _mM© H$mo 2017 2018

{Zdb ã`mO _m{O©Z 2.00 2.19AmpñV`mo§ na à{Vbm^ (0.67) (1.59)bmJV Am` AZwnmV 62.01 67.82àmdYmZ H$daoO AZwnmV 50.56 60.20O_mam{e`mo§ H$s bmJV 6.43 5.62

5g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

{ZXoeH$m| H$s [anmoQ>© 2017-18

{Z{Y`mo§ H$s bmJV 6.54 5.84A{J«_mo§ na à{V’$b 8.98 8.00{Z{Y`mo§ na à{V’$b 8.03 7.51{Zdoe na à{V’$b 7.57 7.26Bp¸$Qr na à{V’$b (13.50) (26.17)à{Veo`a AO©Z (é.) (11.89) (18.06)~hr _yë` (é.) 65.42 27.45

5. {dÎmr` df© 2017-18 Ho Xm¡amZ ^maVr` {aOd© ~¢H Ûmam ~¢H na bmJy ËdarV gwYmamË_H H$ma©dmB© (nrgrE) Ho H$maU ~¢H Zo H$moB© ZB© emIm Zht Imobr. BgHo A{V{a³V ~¢H Zo AÝ` {dÚ_mZ emImAmo§ _o§ Xmo emImAmo§ H$m {db` H$a {X`m h¡ Am¡a ~¢H$ H$s Hw$b emImAmo§ H$s g§»`m 1,872 (72 goQobmB©Q H$m`m©b`mo§ g{hV) ahr h¢. ~¢H H$s g^r emImE§ gr. ~r. Eg. Ho A§VJ©V H$m`©aV h¢.

6. {dÎmr` df© 2017-18 Ho Xm¡amZ ~¢H Zo 3 B©-ñ_mQ© Ho§ Ð ñWm{nV {H$E h¢, {OÝho§ {_bmH$a Hw$b 98 Ho$ÝÐ hmo JE h¢. B©-ñ_mQ© Ho§ Ð _o§, J«mhH ZH$X am{e, MoH O_m H$a gH$Vm h¡, ZH$Xr {ZH$mb gH$Vm h¡, nmg~wH$ ^r _w{ÐV H$a gH$Vm h¡ VWm B§QaZoQ ~¢qH$J gw{dYm Ho$ _mÜ`_ go 24x7 AmYma na AnZo ImVo H$m Cn`moJ H$a gH$Vm h¡.

7. df© 2017-18 Ho Xm¡amZ, ~¢H Zo 1775 nr.Amo.Eg. g§ñWm{nV {H$E h¢ Am¡a EH ZE _mo~mB©b ~¢qH$J M¡Zb AWm©V EZ.nr.gr.AmB©. Ûmam àd{V©V EH$sH¥ V ̂ wJVmZ àUmbr (`y.nr.AmB©.) H$s ewéAmV H$s h¡.

8. bm^m§e

{ZXoeH _§Sb Zo {dÎmr` df© 2017-18 Ho {bE H$moB© bm^m§e g§ñVwV Zht {H$`m.

9. {Zdb g§n{Îm Ed§ gr Ama E Ama

9.1 ~¢H H$s {Zdb g§n{Îm 31 _mM© 2018 H$mo é. 5108.04. H$amo‹S ahr.

9.2 gr.Ama.E.Ama. :

(% _o§)

~ogb III_mM© 2017 _mM© 2018

gr.Ama.E.Ama Qr`a I ny§Or 9.05 8.81gr.Ama.E.Ama Qr`a II ny§Or 2.34 2.28

Hw$b 11.39 11.09

10. {ZXoeH _§Sb _o§ n{adV©Z

10.1 31 _mM©, 2018 H$mo ~¢H Ho {ZXoeH _§Sb _o§ nyU©-H$m{bH {ZXoeH hmoZo Ho ZmVo Xmo H$m`©nmbH {ZXoeH$, VWm AÝ` N… {ZXoeH {ZåZmZwgma em{_b h¢ :

• ^maV gaH$ma Ho EH Zm{_Vr {ZXoeH$ • ^maVr` {aOd© ~¢H Ho EH Zm{_Vr {ZXoeH$ • ^maV gaH$ma Ûmam {Z`wº Xmo {ZXoeH$; Am¡a • eo`a YmaH$mo§ Ûmam MwZo J`o Xmo {ZXoeH$10.2 lr AœZr Hw$ _ma, AÜ`j Am¡a à~§Y {ZXoeH$, nm§M df© H$m H$m`©H$mb nyam

H$aZo Ho nümV {XZm§H 31.12.2017 go à^mdr ^maV gaH$ma, {dÎm _§Ìmb`, {dÎmr` godmAmo§ {d^mJ go {XZm§H 09 Zd§~a, 2012 H$mo àmßV A{YgyMZm g§. E\ 4/4/2011-~rAmo.AmB©. Ho AZwgma ~¢H Ho {ZXoeH Zht aho. ~¢H Ho AÜ`j Am¡a à~§Y {ZXoeH Ho ên _o§ CZHo H$m`©H$mb Ho Xm¡amZ lr AœZr Hw$ _ma Ûmam àXmZ {H$E AZwH$aUr` ZoV¥Ëd Am¡a {Xem Ho {bE ~¢H H$m _§Sb CZH$s àe§gm H$aVm h¡.

10.3 lr_Vr V¥îUm Jwhm, H$m`©nmbH {ZXoeH$, A{Ydf©Vm H$s Ad{Y nyU© hmoZo na {XZm§H 31 AJñV, 2018 H$mo _§Sb go godm{Zd¥Îm hwB©. lr_Vr V¥îUm Jwhm Ûmam ~¢H Ho ~moS© _o§ H$m`©nmbH {ZXeoH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` `moJXmZ Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.

10.4 Sm°. amOoe Hw$_ma `Xwd§er, amîQ—r`H¥$V ~¢H (à~§YZ Am¡a {d{dY àmdYmZ) `moOZm, 1970 Ho I§S 8 Ho Cn-I§S (1) Am¡a I§S 3 Ho Cn-I§S (1) Ho gmW n{RV ~¢qH$J H§ nZr (CnHŒ _ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (E) Ho A§VJ©V ^maV gaH$ma, {dÎm _§Ìmb`, {dÎmr` godmAmo§ {d^mJ go àmßV A{YgyMZm g§. E\ .4 / 5 / (6) 2017-~rAmoAmB© {XZm§H 09 AŠQy~a, 2017 Ho AZwgma, {XZm§H 09 AŠQy~a, 2017 go à^mdr, VrZ df© H$s Ad{Y Ho {bE `m AJbo AmXoe VH$, Omo ^r nhbo hmo, H$m`©nmbH {ZXoeH Ho ên _o§ {Z`wº {H$E JE h¡.

10.5 lr ~§H$s_ Ama XogmB©, H$m_Jma H$_©Mmar {ZXoeH$, amîQ—r`H¥ V ~¢H (à~§YZ Am¡a {d{dY àmdYmZ) `moOZm, 1970 Ho I§S 9 Ho Cn-I§S (1) Am¡a (2) Ho gmW n{RV ~¢qH$J H§$nZr (CnHŒ _ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (E) Ho A§VJ©V {XZm§H 19.09.2014 go à^mdr, H$m`©H$mb nyam hmoZo na {XZm§H 19.09.2017 go ~¢H Ho {ZXoeH Zht aho§Jo. lr ~§H$s_ Ama XogmB© Ûmam ~¢H Ho _§Sb _o§ {ZXoeH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` _mJ©Xe©Z Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.

10.6 Sm° C_oe ~obya, eo`aYmaH {ZXoeH$, ~¢qH$J H§ nZr (CnHŒ _ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (i) Ho A§VJ©V {Zdm©{MV, {XZm§H 24 _mM©, 2015 go à^mdr, 23 _mM©, 2018 H$mo VrZ df© H$m H$m`©H$mb nyam H$aZo Ho nümV ~¢H Ho {ZXoeH Zht aho§Jo. Sm° C_oe ~obya Ûmam ~¢H Ho _§Sb _o§ {ZXoeH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` _mJ©Xe©Z Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.

10.7 lr dr M§ÐeoIaZ, eo`aYmaH {ZXoeH$, ~¢qH$J H§ nZr (CnH«$_ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (i) Ho A§VJ©V {Zdm©{MV, {XZm§H 24 _mM©, 2015 go à^mdr, 23 _mM©, 2018 H$mo VrZ df© H$m H$m`©H$mb nyam H$aZo Ho nümV ~¢H Ho {ZXoeH Zht aho§Jo. lr dr M§ÐeoIaZ Ûmam ~¢H Ho _§Sb _o§ {ZXoeH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` _mJ©Xe©Z Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.

10.8 Sm° `emo dY©Z d_m©, eo`aYmaH {ZXoeH$, ~¢qH$J H§ nZr (CnHŒ _ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (i) Ho A§VJ©V {Zdm©{MV, {XZm§H 24 _mM©, 2015 go à^mdr, 23 _mM©, 2018 H$mo VrZ df© H$m H$m`©H$mb nyam H$aZo Ho nümV ~¢H Ho {ZXoeH Zht aho§Jo. Sm° `emo dY©Z d_m© Ûmam ~¢H Ho _§Sb _o§ {ZXoeH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` _mJ©Xe©Z Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.

10.9 g_rjmYrZ {dÎmr` df© Ho Xm¡amZ, ~¢qH$J H§$nZr (CnH«$_ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (i) Ho AZwgma, Ho$§Ð gaH$ma Ho A{V{aº Xmo eo`aYmaH {ZXoeH$mo§ Ho MwZmd Ho {bE {XZm§H 27 _mM©, 2018 H$mo ga gmoam~Or nmoMImZmdmbm ~¢H$a à{ejU _hm{dÚmb`, _w§~B© _o§ ~¢H Zo ~¢H Ho eo`aYmaH$mo§ H$s EH AgmYmaU gm_mÝ` g^m Am`mo{OV H$s JB©. _VXmZ H$s g’$bVm Ho ~mX, Xmo eo`aYmaH {ZXoeH AWm©V (i) Sm° `emodY©Z d_m© Am¡a (ii) lr amHo e Hw$ _ma, H|$Ð gaH$ma Ho A{V{aº AÝ` eo`aYmaH$mo§ H$m à{V{Z{Y Ho ên _o§ eo`aYmaH {ZXoeH Ho ên _o§ MwZo JE Wo. {XZm§H 8 _mM©, 2018 go `o {ZXoeH VrZ df© Ho {bE H$m`©^ma

6g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

{ZXoeH$m| H$s [anmoQ>© 2017-18

J«hU H$ao§Jo.

11.00 {ZXoeH$mo§ Ho CÎmaXm{`Îd H$m {ddaU

{ZXoeH 31 _mM© 2018 H$mo g_mßV df© Ho {bE dm{f©H boIm V¡`ma H$aZo _o§ {ZåZ{b{IV H$s nwpîQ H$aVo h¢ :

i. {H dm{f©H boIm V¡`ma H$aZo _o§ _hÎdnyU© {dMbZmo§, `{X H$moB© hmo, Ho g§~§Y _o§, g_w{MV ñnîQrH$aU Ho gmW bmJy boIm _mZH$mo§ H$m nmbZ {H$`m J`m h¡.

ii. {H CÝhmo§Zo Eogr boIm Zr{V`mo§ H$m M`Z {H$`m Ed§ CZH$mo {Za§Va bmJy {H$`m VWm Eogo {ZU©` Ed§ AZw_mZ bJm`o Omo g_w{MV Ed§ {ddoH$nyU© h¢ Vm{H {dÎmr` df© Ho AÝV VH ~¢H H$s gË` Am¡a ghr pñW{V àñVwV H$a gHo§ Ed§ Ad{Y Ho {bE ~¢H H$s bm^ `m hm{Z H$s pñW{V Xo gHo§ .

iii. {H CÝhmo§Zo YmoImY{‹S`mo§ Ed§ AÝ` A{Z`{_VVmAmo§ H$mo amoH$Zo Ed§ nVm bJmZo hoVw ^maV _o§ ~¢H$mo§ na bmJy {d{Y Ho àmdYmZmo§ Ho AZwgma n`m©ßV boIm {aH$mSmoª Ho aI-aImd Ho {bE g_w{MV Ed§ n`m©ßV XoIaoI H$s h¡.

iv. {H CÝhmo§Zo dm{f©H boIm, {Za§Va H$mamo~ma dmbo g§ñWmZ Ho AmYma na V¡`ma {H$`m Wm.

Am^ma

12.1 {ZXoeH _§Sb ~¢H Ho AnZo gå_m{ZV J«mhH$mo§, eo`aYmaH$mo§ VWm ew^qMVH$mo§ H$mo ~¢H H$s àJ{V _o§ CZHo _hËdnyU© `moJXmZ Ho {bE AnZm Am^ma VWm YÝ`dmX ì`º H$aVm h¡ VWm ^{dî` _o§ CZHo gVV g_W©Z Ed§ gh`moJ H$s Anojm H$aVm h¡.

12.2 ̂ maV gaH$ma VWm ^maVr` {aOd© ~¢H go àmßV g_`mo{MV gbmh, _hÎdnyU© _mJ©Xe©Z Ed§ g_W©Z Ho {bE ^r {ZXoeH _§Sb hm{X©H Am^ma ì`³V H$aVm h¡.

12.3 {ZXoeH _§Sb {dÎmr` g§ñWmAmo§ / ~¢H$mo§ VWm à{V{Z{Y`mo§ Ho à{V ^r ~¢H H$mo {XE JE CZHo gh`moJ Ed§ g_W©Z Ho {bE H¥$VkVm ì`³V H$aVm h¡.

12.4 {ZXoeH _§Sb ~¢H Ho H$mamo~ma _o§ àmßV àJ{V Ho {bE g^r ñVamo§ na ñQm\ gXñ`mo§ Ûmam {XE JE _hËdnyU© `moJXmZ Ho {bE CZH$s gamhZm H$aVm h¡. {ZXoeH$JU ~¢H Ho Vrd« H$mamo~ma {dH$mg VWm àJ{V _o§ CZgo gVV gh`moJ H$s Amem aIVo h¢.

ñWmZ : _w§~B© {ZXoeH _§Sb Ho {bE Am¡a CZH$s Amoa go {XZm§H : 31.05.2018

(a_oe Eg. qgh) H$m`©nmbH {ZXoeH

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{ZåZ C[„{IV [anmoQ>© ~¢H$ H$s do~gmB©Q> www.denabank.com (hmo‘>> {dÎmr¶>dm{f©H$ [anmoQ>©>‘mM© 2018) na CnbãY h¡.>

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8g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18

1. A{^emgZ g§{hVm na ~¢H$ H$s Zr{V

~¢H$ H$s H$mnm}aoQ> A{^emgZ Zr{V CËH¥$ï> à~§YZ ì`dhma H$m Cn`moJ H$aZo na AmYm[aV h¡ {Oggo H$mamo~ma H$m à^mdr à~§YZ Am¡a {Z`§ÌU hmoJm. Bggo ~¢H$ Ho$ ~moS©> VWm d[að> à~§YZ H$mo Z¡{VH$ ‘mZX§S>m|, nmaX{e©Vm, {Oå‘oXmar Am¡a {dÎmr` pñWaVm H$m nmbZ H$aVo hþE {ZU©` boZo ‘| gw{dYm hmoJr. ~¢H$ H$m `h {dídmg h¡ {H$ H$mnm}aoQ> A{^emgZ H$m BgHo$ ‘yb ‘yë`m| go Jham g§~§Y h¡ Am¡a dh Z¡{VH$ ì`dhma, AnZo H$‘©Mm[a`m| Ho$ H$ë`mU, AnZo J«mhH$m| H$mo CÎm‘ godmE§ àXmZ H$aZo, eo`a YmaH$m| H$s AnojmE§ nyar H$aZo Am¡a g‘mO H$s AnojmAm| Ho$ AZwgma H$m`© H$aZo go Ow‹S>m hþAm h¡. Bggo g^r {hVYmaH$m| H$mo bm^ hmoJm {Og‘| Z Ho$db {ZXoeH$ ‘§S>b Am¡a d[að> à~§YZ em{‘b h¢, ~pëH$ eo`a YmaH$, J«mhH$, H$‘©Mmar Am¡a g‘mO ^r em{‘b h¡.

H$mamo~ma Ho$ {d{^ÝZ joÌm| na {ZJamZr aIZo Ho$ {bE ~¢H$ Ho$ H$mnm}aoQ> A{^emgZ ‹T>m§Mo ‘| ‘§S>b Ho$ ‘§S>b H$s 18 g{‘{V`m§ ^r em{‘b h¢.

^o{X`m ì`mnma H$s amoH$Wm‘

XoZm ~¢H$ Zo ^o{X`m ì`mnma H$s amoH$Wm‘ Ho$ {bE go~r (^o{X`m ì`mnma {ZfoY) {d{Z`‘ 2015 H$s AnojmAm| Ho$ AZwê$n “^o{X`m ì`mnma H$s amoH$Wm‘ Ho$ {bE XoZm ~¢H$ AmMaU g§{hVm’’ Zm‘H$ ì`mnH$ AmMaU g§{hVm V¡`ma H$s h¡. ^o{X`m ì`mnma H$s amoH$Wm‘ Ho$ {bE g§{hVm H$mo ~¢H$ H$s do~gmBQ> na ^r aIm J`m h¡. g^r {ZXoeH$, d[að> à~§YZ ñVa Ho$ H$‘©Mmar Ed§ ~¢H$ Ho$ AÝ` H$‘©Mmar, {OZH$s ~¢H$ H$s AàH$m{eV ‘yë` g§doXZerb gyMZm VH$ nhþ§M h¡, Bg Hy$Q> go A{^em{gV h¢, ~¢H$ Zo lr‘Vr Cfm a{d, ‘hmà~§YH$, {ZdoeH$ g§nH©$ H|$Ð à^mar H$mo AZwnmbZ A{YH$mar Ho$ ê$n ‘| {Z`wº$ {H$`m h¡ Omo ~¢H$ H$s à{V^y{V`m| ‘| ì`mnma H$aZo Ho$ {bE nÕ{V`m§ {ZYm©[aV H$aZo Ed§ AmMma g§{hVm Ho$ H$m`m©Ýd`Z Ho$ {bE {Oå‘oXma h¢. df© Ho$ Xm¡amZ Cº$ Hy$Q> H$m {d{YdV² AZwnmbZ hþAm h¡.

AmMma g§{hVm

{ZXoeH$ ‘§S>b Zo AnZo {ZXoeH$m| VWm ‘hmà~§YH$m| Ho$ {bE ^maVr` ~¢H$ g§K Ûmam n[aMm{bV AmXe© AmMma g§{hVm H$mo AZw‘moXZ àXmZ {H$`m h¡, Omo go~r Ho$ n[anÌ grAmB©Ama/gr S>r/Zr{V H$j/2/2014 H$s Amdí`H$VmAm| Ho$ AZwgma {ZXoeH$ ‘§S>b Ûmam ~mX ‘| g§emo{YV {H$`m J`m h¡. Hy$Q> ‘| AÝ` ~mVm| Ho$ gmW gmW B©‘mZXmar Ed§ Z¡{VH$ d¡`{º$H$ AmMaU, ñdñW à{VñnYm©, nmaX{e©Vm Ed§ {d{Y VWm {d{Z`‘m| Am{X H$m AZwnmbZ em{‘b h¡.AmMma g§{hVm ~¢H$ H$s do~ gmBQ> na CnbãY H$am`r J`r h¡.g^r {ZXoeH$m| Am¡a ‘hmà~§YH$m| Zo Bg ~mV H$s nw{ï> H$s h¡ {H$ CÝhm|Zo 31 ‘mM©, 2018 H$mo g‘má df© Ho$ {bE AmMma g§{hVm H$m AZwnmbZ {H$`m h¡.

~¢H$ Zo go~r (Eb.Amo.S>r.Ama.) A{Y{Z`‘, 2015 ‘| {ZYm©[aV H$m°nm}aoQ> A{^emgZ na {XE JE {Xem{ZXoem| H$m AZwnmbZ {H$`m h¡, {OgHo$ Ano{jV àH$Q>rH$aU ZrMo {XE JE h¢ :

2. {ZXoeH$ ԤS>b

~¢H$ Ho$ {ZXoeH$ ‘§S>b H$m JR>Z ~¢H$H$mar {d{Z`‘ A{Y{Z`‘ 1949 Am¡a ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Am¡a A§VaU) A{Y{Z`‘ 1970 VWm amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm, 1970 Ho$ àmdYmZm| Ho$ Ûmam A{^em{gV hmoVm h¡.

{XZm§H$ 31.03.2018 H$mo {ZXoeH$ ‘§S>b ‘| 8 {ZXoeH$ em{‘b h¢, {OZ‘| Xmo nyU©H$m{bH$ {ZXoeH$ AWm©V gaH$ma Ûmam {Z`wº$ H$m`©nmbH$ {ZXoeH$ VWm 6 J¡a-H$m`©nmbH$ {ZXoeH$ em{‘b h¢. 6 J¡a-H$m`©nmbH$ {ZXoeH$m| ‘| go EH$ ^maV gaH$ma H$m Zm{‘Vr gaH$mar {ZXoeH$, EH$ ^maVr` [aOd© ~¢H$ H$m

à{V{Z{Y {ZXoeH$, ^maV gaH$ma Ûmam {Z`wŠV Xmo {ZXoeH$ Am¡a Ho$Ð gaH$ma Ho$ Abmdm, eo`aYmaH$m| Ûmam MwZmd {H$E JE Xmo eo`aYmaH$ {ZXoeH$. {ZXoeH$m| Ho$ {ZåZ{bpIV nX ZrMo {XE JE {ddaU Ho$ AZwgma [aŠV h¢:-

H«$‘ g§

nX {XZm§H$ go [aŠV

1 à~§Y {ZXoe d ‘w»` H$m`©nmbH$ A{YH$mar 01.01.2018

2 H$m‘Jma H$‘©Mmar {ZXoeH$ 19.09.2017

3 A{YH$mar H$‘©Mmar {ZXoeH$ 01.01.2016

4 A§eH$m{bH$ J¡a-A{YH$mar {ZXoeH$ gZXr boImH$ma 30.06.2014

5 ^maV gaH$ma Ûmam {Z`wŠV {H$E OmZo dmbo - A§eH$m{bH$ J¡a-A{YH$mar {ZXoeH$

05.12.2016

6 ^maV gaH$ma Ûmam {Z`wŠV {H$E OmZo dmbo - A§eH$m{bH$ J¡a-A{YH$mar {ZXoeH$

28.03.2018

My{H$ à~§Y {ZXoe d ‘w»` H$m`©nmbH$ A{YH$mar H$m nX [aŠV h¡ AV… {ZXoeH$ ‘§S>b H$s {XZm§H$ 16 OZdar 2018 H$mo Am`mo{OV ~¡R>H$ ‘| à~§Y {ZXoeH$ Ho$ àemg{ZH$ Am¡a {dËVr` A{YH$mam| H$mo d[aîR> H$m`©nmbH$ {ZXoeH$ H$mo gm¢nm h¡ Am¡a `h ^r {ZU©` {b`m h¡ {H$ d[aîR> H$m`©nmbH$ {ZXoeH$ ‘§S>b H$s g^r Cn g{‘{V`m| H$s ~¡R>H$mo AÜ`jVm H$a|, {OZH$s AÜ`jVm ~¢H$ ‘| à~§Y {ZXoe d ‘w»` H$m`©nmbH$ A{YH$mar H$s {Z`w{º$ hmoZo VH$, nyd© AÜ`j Ed§ à~§Y {ZXoeH$ Ûmam H$s OmVr Wr. BgHo$ A{V[aŠV, lr‘Vr V¥îUm Jwhm, H$m`©nmbH$ {ZXoeH$ H$s {XZm§H$ 31.08.2017 H$mo A{Y-d{f©Vm Ho$ níMmV ^maV gaH$ma Ûmam go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 17 (1) (E) Ho$ A§VJ©V `Wm Ano{jV ~¢H$ Ho$ {ZXoeH$ ‘§S>b ‘| ‘{hbm {ZXoeH$ H$s {Z`w{º$ Zht H$s JB©.

g‘rjmYrZ df© Ho$ Xm¡amZ {ZXoeH$ ‘§S>b H$s {ZåZ{bpIV {V{W`m| na 13 ~¡R>H$m| H$m Am`moOZ {H$`m J`m.

24.04.2017 09.05.2017 22.06.2017 29.07.2017 30.08.2017 23.09.2017

27.10.2017 10.11.2017 29.12.2017 16.01.2018 14.02.2018 06.03.2018

22.03.2018

2.2 {ZXoeH$m| Ho$ {ddaU…

g‘rjmYrZ df© Ho$ Xm¡amZ {ZXoeH$ ‘§S>b Ho$ {ZXoeH$m| Ho$ Amdí`H$ {ddaU VWm ‘§S>b H$s ~¡R>H$m| ‘| CZH$s CnpñW{V Ho$ {ddaU AZw~§Y H$, I Ed§ J ‘| {XE JE h¢:

3. {ZXoeH$m| H$s g{‘{V`m±

^maVr` [aOd© ~¢H$/^maV gaH$ma/{dÎm ‘§Ìmb`/ {dÎmr` godmE§ {d^mJ Ûmam Omar {Xem{ZX}em| Ho$ AZwê$n Am¡a H$mnm}aoQ> A{^emgZ Am{X Ho$ ‘mJ©Xeu {gÕm§Vm| Ho$ AZwgma ~¢H$ Zo AnZo {ZXoeH$ ‘§S>b H$s {d{^ÝZ g{‘{V`m| H$m JR>Z {H$`m h¡ {OZH$m ã`m¡am Bg àH$ma h¡.

3.1 {ZXoeH$ ‘§S>b H$s à~§YZ g{‘{V

‘§S>b Zo amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm, 1970/1980 Ho$ àmdYmZm| Ho$ AZwgma à~§YZ g{‘{V H$m JR>Z {H$`m h¡. g{‘{V Ho$ ‘w»` H$m`m} ‘| AÜ`j Ed§ à~§Y {ZXoeH$ / gmI AZw‘moXZ g{‘{V Ho$ {ddoH$mYrZ A{YH$mam| go A{YH$ Ho$ gmI àñVmdm| H$s ñdrH¥${V, F$U g‘Pm¡Vo àñVmd/~Å>o ImVo {bIZo Ho$ àñVmd, gyQ> /Anrb Xm`a H$aZm, ny§OrJV Ed§ amOñd ì`` Ho$ AZw‘moXZ Ho$ àñVmd, gaH$mar Ed§ AÝ` AZw‘mo{XV à{V^y{V`m|, H§$n{Z`m| / H$m°nm}aoQ> Ho$ eo`am|/ {S>~|Mam|/~m§S>m| ‘| {Zdoe, hm‘rXmar g{hV, n[agam| Ho$ A{KJ«hU

9g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18

VWm {H$amE na boZo Ho$ àñVmd, XmZ Am¡a AÝ` g^r {dÎmr` AZw‘moXZm| Am{X VWm à~§YZ g{‘{V H$mo {ZXoeH$ ‘§S>b Ûmam àñVwV H$moB© AÝ` ‘m‘bo em{‘b h¢.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

g{‘{V Ho$ gXñ`m| H$s g§aMZm Am¡a ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.2 {ZXoeH$ ‘§S>b H$s boIm narjm g{‘{V

{ZXoeH$ ‘§S>b Zo ^maVr` [aOd© ~¢H$ Ho$ AZwXoem| Ho$ AZwgma Aºy$~a, 1995 ‘| {ZXoeH$ ‘§S>b H$s boIm narjm g{‘{V H$m JR>Z {H$`m.^maV gaH$ma Ûmam nÌ g§»`m E’$ g§ 19/20/2007-~rAmo-AmB© {XZm§H$ 18 ’$adar, 2008 Ûmam Xr J`r gyMZm Ho$ AZwgma ‘B© 2008 ‘| g{‘{V H$m nwZJ©R>Z {H$`m J`m.

AmJo, ^maVr` [aµOd© ~¢H$ Zo AnZo nÌ g§. Ama.~r.AmB©./2015-16/181-S>rEg~r.EAmaEg.~rgr 4 / 08.91.020/2015-16 {XZm§H$ 24 {gV§~a 2015 Ûmam gbmh Xr h¡ {H$ {OZ ~¢H$ ‘| EH$ go A{YH$ H$m`©nmbH$ {ZXoeH$ h¡, Vmo {ZarjU Ed§ boIm Ho$ à^mar H$m`©nmbH$ {ZXoeH$ E.gr.~r. Ho$ gXñ` hmoZo Mm{hE Am¡a O~{H$ AÝ` H$m`©nmbH$ {ZXoeH$ H$mo ~¡R>H$ ‘| CZHo$ S>mo‘oZ go g§~§{YV {dMma-{d‘e© hoVw Am‘§{ÌV {H$`m Om gHo$.

boIm narjm g{‘{V Ho$ H$m`m] ‘| boIm narjm H$m`m] H$m n`©dojU H$aZm, ~¢H$ Ho$ {dÎmr` H$m`© {ZînmXZ H$s g‘rjm H$aZm, g‘dVu / AÝ` {ZarjUm| / boIm narjmAm| Ho$ ‘hËdnyU© {ZîH$fm} H$s g‘rjm H$aZm, boIm§H$Z ‘mZH$m| VWm godr (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 18 Ho$ VhV {d{Z{X©ï> AÝ` ‘m‘bm| H$m AZwnmbZ H$amZm em{‘b h¡. C³V g{‘{V {V‘mhr / dm{f©H$ boIm| H$mo {ZXoeH$ ‘§S>b Ho$ AZw‘moXZ hoVw g§ñVwV H$aZo Ho$ nhbo Cg na MMm© Ed§ {dMma H$aVr h¡.

{ZXoeH$ ‘§S>b H$s boIm narjm g{‘{V ‘| {ZXoeH$ ‘§S>b Ho$ nm§M gXñ` em{‘b h¢.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.3 {ZXoeH$m| H$s nm[al{‘H$ g{‘{V

gmd©O{ZH$ joÌ Ho$ ~¢H$m| Ho$ nyU© H$m{bH$ {ZXoeH$m| Ho$ nm[al{‘H$ ^maV gaH$ma Ûmam {ZYm©[aV {H$`m OmVm h¡. ^maV gaH$ma Ûmam H$m`© {ZînmXZ àmoËgmhZ `moOZm ewê$ H$s JB© h¡; Am¡a ^maV gaH$ma Ho$ {ZXoem| Ho$ AZwgma Cg CÔoí` Ho$ {bE ~¢H$ Zo {ZXoeH$ ‘§S>b H$s nm[al{‘H$ g{‘{V H$m JR>Z {H$`m h¡.

BgHo$ A{V[aŠV, ^maV gaH$ma, {dÎm ‘Ìm§b`, {dÎmr` godmE§ {d^mJ Ho$ nÌ E’$. g§. 121 / 2014-~rAmoE {XZm§H$ 18 AJñV, 2015, Ho$ ‘mÜ`‘ go gmd©O{ZH$ joÌ Ho$ ~¢H$m| (nrEg~r) ‘§S>b Ho$ nyU©H$m{bH$ {ZXoeH$m| (O¡go AÜ`j Am¡a à~§Y {ZXoeH$, à~§Y {ZXoeH$ Am¡a ‘w»` H$m`©nmbH$ A{YH$mar Am¡a H$m`©nmbH$ {ZXoeH$m|) Ho$ H$m`©-{ZînmXZ H$m ‘yë`m§H$Z H$aZo Ho$ {bE AnZo A{^{dÝ`mg ‘| n[adV©Z {H$`m h¡. CŠV gyMZm Ho$ AZwgma, nyU©H$m{bH$ {ZXoeH$m| Ho$ H$m`©-{ZînmXZ H$m ‘yë`m§H$Z g{Md ({dÎmr` godm) H$s AÜ`jVm ‘| J{R>V EH$ g{‘{V Ûmam {H$`m OmEJm.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z Am¡a df© 2017-18 Ho$ Xm¡amZ Am`mo{OV ~¡R>H$m| ‘| CnpñW{V H$m {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.4 {hVYmaH$ g§nH©$ g{‘{V

{ZXoeH$ ‘§S>b Zo {XZm§H$ 10 Zd§~a 2014 H$mo Am`mo{OV AnZr ~¡R>H$ ‘| H$mnm}aoQ> A{^emgZ na go~r Ho$ {Xem{ZX}em| Ho$ AZwgaU ‘| eo`a ~mOmam| Ho$ gmW hþE gyMr~ÕVm H$ama Ho$ I§S> 49 Ho$ g§X^© ‘| {XZm§H$ 01 Aºy$~a, 2014 Ho$ AZwnmbZ Ho$ {bE hVYmaH$ g§nH©$ g{‘{V H$m JR>Z {H$`m h¡ Omo {deof én go Kmo{fV bm^m§e Am{X Ho$ àmßV Z hmoZo, VwbZnÌ àmßV Z hmoZo, eo`am| Ho$ A§VaU go g§~§{YV {eH$m`Vm| g{hV H§$nZr Ho$ AÝ` à{V^y{VYmaH$m|, eo`aYmaH$m|, {S>~|MaYmaH$m|, ~m§S>YmaH$m| H$s g‘ñ`m| Ho$ {ZnQ>mZ go g§~§{YV ‘m‘bm| Ho$ ‘m‘bo XoIoJr.

BgHo$ A{V[aº$, 06 ‘mM©, 2018 H$mo Am`mo{OV ‘§S>b H$s ~¡R>H$ ‘| ‘§S>b Zo {hVYmaH$ g§nH©$ g{‘{V ‘| eo`a hñVm§VaU g{‘{V Ho$ {db` H$mo AZw‘mo{XV H$a {X`m h¡. {hVYmaH$ g§nH©$ g{‘{V, eo`a A§VaU g{‘{V Ûmam {H$E OmZo dmbo g^r H$m`m] AWm©V A§VaU H$s nw{ï>, B{³dQ>r eo`am| H$m àofU, eo`am| H$m nwZ‘y©VuH$aU, eo`a à‘mUnÌm| H$m à{VñWmnZ, Zm‘ {ZH$mbZm, Zm‘ n[adV©Z Am¡a H$m`©nmbH$m| H$s Am§V[aH$ eo`a A§VaU g§drjm g{‘{V Ûmam AZw‘mo{XV à‘mU nÌ H$s Xygar à{V Omar H$aZo, eo`aYm[aVm ñdê$n H$s Zmo{Q>J, erf© eo`aYmaH$m| H$s gyMr Am¡a eo`a A§VaU ñdrH$ma Z H$aZm Am{X H$mo nyam H$aoJr.

31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¢.

3.5 g‘o{H$V OmopI‘ à~§YZ na {ZXoeH$m| H$s g{‘{V

~¢H$ H$s g^r OmopI‘ à~§YZ J{V{d{Y`m| H$m n`©dojU H$aZo Ho$ {bE g‘o{H$V OmopI‘ à~§YZ na {ZXoeH$m| H$s g{‘{V J{R>V H$s JB© h¡. BgHo$ H$m`m] ‘| OmopI‘ g§~§Yr AdYmaUmAm| g{hV g^r OmopI‘ g§~§Yr H$m`m] na {ZJamZr aIZm, OmopI‘ ‘yë`m§H$Z Am¡a OmopI‘ Ho$ n[a‘mUZ H$s H$m`©-{d{Y V` H$aZm, OmopI‘ pñW{V hoVw ‘mÝ` ñVa {ZYm©[aV H$aZm, OmopI‘ à~§YZ na à~§YZ Ho$ {ZX}e Am¡a OmopI‘ H$‘ H$aZo H$s VH$ZrH$ Am{X g‘m{dï> h¢.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.6 ~‹S>r aH$‘ dmbr YmoImY{‹S>`m| na {ZJamZr aIZo hoVw ‘§S>b H$s {deof g{‘{V

^maVr` [aOd© ~¢H$ Ho$ nÌ g§.S>r~rEg.E’$. Ordr (E’$)Amo / 004 / 23.04.01E/2003-04, {XZm§H$ 14 OZdar, 2004 Ho$ AZwgma, ~‹S>r aH$‘ dmbr YmoImY{‹S>`m| {Og‘| Ho$db é 1.00 H$amo‹S> Am¡a Cggo A{YH$ am{e g‘m{dï> hmoJr na {ZJamZr aIZo hoVw, àUmbr ‘| {dÙmZ Im{‘`m| H$s nhMmZ hoVw, gr~rAmB© H$s {ZJamZr H$s àJ{V /Zr{V H$s Om§M Am¡a dgybr H$s pñW{V, YmoImY{S>`m| H$s nwZamd¥{Îm hoVw {ZdmaUmË‘H$ H$m`© XjVm H$s g‘rjm, Am¡a ñQ>m°’$ CÎmaXm{`Ëd Ho$ Om§M H$s pñW{V H$s Om§M hoVw {ZXoeH$m| H$s EH$ Cn g{‘{V H$m JR>Z {H$`m J`m Wm.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.7 J«mhH$ godm g{‘{V

^maVr` [aOd© ~¢H$ Ho$ {Xem{ZXoem| Ho$ AZwgaU ‘|, {XZm§H$ 14 AJñV 2004, g{‘{V ~¢H$ ‘| J«mhH$ godmAm| H$s JwUdÎmm Am¡a J«mhH$m| H$s {eH$m`Vm| Ho$ {ZXmZ

10g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

‘| hmoZo dmbr àJ{V H$s ^r g‘rjm H$aVr h¡.dh J«mhH$ godm ‘| gwYma Ho$ {bE ~mhar ‘m‘bm| g{hV ZE Cnm`m| na ^r {dMma H$aVr h¡.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.8 gyMZm àÚmo{JH$s g{‘{V na ‘§S>b H$s {deof g{‘{V

{dÚ‘mZ gyMZm VH$ZrH$ ~w{Z`mXr gw{dYmAm| H$m A{YH$V‘ Cn`moJ gw{Z{üV H$aZo, ~¢H$ Ho$ gyMZm VH$ZrH$ {‘eZ na {dMma H$aZo, Zr{VJV ‘m‘bm| Ho$ g§~§Y ‘| gyMZm VH$ZrH$ {d^mJ H$mo {ZXoe XoZo Am{X Ho$ C{MV Cn`moJ H$mo Ü`mZ ‘| aIVo hþE gyMZm VH$ZrH$ Ho$ {bE ‘§S>b Ho$ {ZXoeH$m| H$s g{‘{V J{R>V H$aZo H$s Amdí`H$Vm ‘hgyg H$s J`r. ‘§S>b Zo {XZm§H$ 1 Aà¡b, 2003 H$mo Am`mo{OV AnZr ~¡R>H$ ‘| gyMZm VH$ZrH$ na {ZXoeH$m| H$s g{‘{V J{R>V H$s.{dÚ‘mZ AmB©.Q>r.H$s AmYma^yV g§aMZm Ho$ A{YH$V‘ à`moJ H$s gw{dYm àXmZ H$aZo Ho$ {bE, ~¢H$ Ho$ AmB©.Q>r.Ho$ bú` H$mo àmá H$aZo Ho$ {bE, AmB©.Q>r. {d^mJ H$mo Zr{VJV ‘m‘bm| ‘| {ZXoe XoZo Am¡a à‘wI {dVaU M¡Zbm| Ho$ A§VJ©V boZXoZ ‘mÌm H$s g‘rjm, AmB©.Q>r H$s ~w{Z`mXr gw{dYmAm| H$mo ‘mnZr`Vm, àm¡Úmo{JH$s Ho$ joÌ ‘| hþE ZE {dH$mg, H$mamo~ma H$s {Za§Va `moOZm, gm`~a gwajm Am¡a nhbm| Am¡a gyMZm àm¡Úmo{JH$s Ho$ joÌm| Am¡a {d‘wÐrH$aU Am{X Ho$ nümV Jmd Ho$ {S>{OQ>brH$aU Ho$ {bE ~¢H$ H$s V¡`m[a`m| H$s {ZJamZr aIZo Ho$ {bE ‘§S>b Zo 26 Am¡a 27 AJñV, 2005 H$mo CgH$m nwZJ©R>Z {H$`m.

BgHo$ A{V[aŠV, Ama~rAmB© n[anÌ g§. Ama~rAmB©/2010-11/494/S>r~rEg.H$mo.AmB©Q>rgr.~rgr.EZAmo 6/31/02.008/2010-11 {XZm§H$ 29 Aà¡b, 2011 Ho$ AZwgma, gyMZm gwajm, BboŠQ´m°{ZH$ ~¢qH$J, àm¡Úmo{JH$s, OmopI‘ à~§YZ Am¡a gmB~a YmoImY‹S>r Ho$ H$m`©Xb g‘yh H$s {g’$m[aem| Ho$ H$m`m©Ýd`Z na, gXñ`m| Ho$ ê$n ‘| AhVm© àmßV Ý`yZV‘ Xmo {ZXoeH$m| {OZ‘| go EH$ ñdV§Ì {ZXoeH$ Am¡a Xygam à~§YZ àm¡Úmo{JH$s ‘| n`m©ßV AmB©Q>r {deofkVm aIZo dmbr EH$ gXñ` {ZXoeH$ ñdV§Ì AmB©Q>r aUZr{V g{‘{V H$m nyU©-JR>Z {H$`m J`m Wm.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.9 AZwnmbZ g{‘{V

^maVr` [aOd© ~¢H$ Zo AnZo nÌ g§»`m.S>r~rEg.grAmo.nrnr.~rgr.6/11.01.005/2006-07 {XZm§H$ 20 Aà¡b, 2007 Ûmam ~¢H$m| ‘| AZwnmbZ H$m`© Ho$ {bE {Xem{ZX}e {X`o h¢.BZ {Xem{ZX}em| Ho$ AmYma na ~¢H$ Zo AnZr AZwnmbZ Zr{V ~Zm`r h¡ {OgH$m AZw‘moXZ {ZXoeH$ ‘§S>b Zo {XZm§H$ 29 {Xg§~a, 2007 H$mo Am`mo{OV ~¡R>H$ ‘| {H$`m h¡.Zr{V Ho$ àmdYmZm| Ho$ AZwgma, AZwnmbZ na {ZXoeH$m| H$s g{‘{V H$m JR>Z 29 {Xg§~a, 2007 H$mo {H$`m J`m. 29 OZdar, 2009 H$mo Bg g{‘{V H$m nwZJ©R>Z {H$`m J`m.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.10 Zm‘m§H$Z g{‘{V.

^maVr` [aOd© ~¢H$ Zo AnZo nÌ g§»`m. S>r~rAmoS>r. gr.~rgr.g§»`m. 47/29.39.001/2007-08 {XZm§H$ 1 Zd§~a, 2007 Ûmam dV©‘mZ {Zdm©{MV {ZXoeH$m| Am¡a Cå‘rXdmam|, Omo {Zdm©MZ Ho$ {bE AnZo Zm‘m§H$Z ^aVo h¢,

H$s `mo½`Vm Ed§ Am¡{MË` H$s pñW{V H$m {ZYm©aU H$aZo hoVw Om§M n‹S>Vmb à{H«$`m H$aZo hoVw {ZXoeH$m| H$s Zm‘m§H$Z g{‘{V (g^r ñdV§Ì / J¡a H$m`©nmbH$ {ZXoeH$m|) J{R>V H$aZo Ho$ ~mao ‘| gy{MV {H$`m h¡. BZ {Xem{ZX}em| Ho$ AmYma na, ‘§S>b Ûmam {Xg§~a 29, 2007 H$mo Am`mo{OV AnZr ~¡R>H$ ‘| Zm‘m§H$Z g{‘{V H$m JR>Z {H$`m J`m. C³V g{‘{V H$m 18 OwbmB©, 2011, 29 {gV§~a, 2011 Am¡a 29 OyZ, 2016 H$mo nwZJ©R>Z {H$`m J`m.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| H$m JR>Z Am¡a df© 2017-18 Ho$ Xm¡amZ Am`mo{OV ~¡R>H$m| ‘| CnpñW{V H$m {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¢

3.11 gmI AZw‘moXZ g{‘{V

amOnÌ A{YgyMZm g§ 13/1/2006-~rAmo. {XZm§H$ 5 {Xg§~a 2011 Ho$ AZwgaU ‘| Am¡a amï´>r`H¥$V ~¢H$ (à~§YZ Am¡a {d{dY àmdYmZ) g§emoYZ ̀ moOZm, 2011 Ho$ àmdYmZm| Ho$ AZwgma, ‘§S>b Zo {XZm§H$ 06 OZdar 2012 H$mo Am`mo{OV ~¡R>H$ ‘| ‘§S>b H$s gmI AZw‘moXZ g{‘{V H$m JR>Z {H$`m. {Ogo {XZm§H$ 31 OZdar, 2012 H$mo amOnÌ A{YgyMZm g§»`m 13/01/2006-~rAmo - AmB©. Ûmam Am¡a AmJo g§emo{YV {H$`m, {Ogo {XZm§H$ 06 ’$adar, 2012 H$mo g§nÝZ ‘§S>b H$s ~¡R>H$ ‘| AZw‘mo{XV {H$`m J`m.g{‘{V Ho$ à‘wI H$m`m] ‘| F$U g‘Pm¡Vo àñVmd/~Å>o ImVo {bIZo Ho$ àñVmd Am{X Am¡a én`o Xmo gm¡ nMmg H$amo‹S> VH$ H$s F$U H$s ñdrH¥${V em{‘b h¡.

‘§S>b H$s gmI AZw‘moXZ g{‘{V ‘| nm§M gXñ` em{‘b h¢ {OZ‘| Xmo nyU© H$m{bH$ {ZXoeH$ AWm©V Xmo H$m`©nmbH$ {ZXoeH$ Am¡a VrZ ‘hmà~§YH$ AWm©V ‘hmà~§YH$ (H$mnm}aoQ> H«o${S>Q>), ‘hmà~§YH$ (OmopI‘ à~§YZ) Am¡a ‘hmà~§YH$ ({dÎm à~§YZ) h¡.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z Am¡a df© 2017-18 Ho$ Xm¡amZ Am`mo{OV ~¡R>H$m| ‘| CnpñW{V H$m {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¢

3.12 ‘mZd g§gmYZ na ‘§S>b H$s ñWm`r g{‘{V

^maV gaH$ma Zo, gmd©O{ZH$ joÌ Ho$ ~¢H$m| Ho$ ‘mZd g§gmYZ g§~§{YV ‘wÔm| na AÜ``Z H$aZo Am¡a {g’$m[ae H$aZo hoVw {XZm§H$ 22 Aºy$~a, 2009 H$mo S>m°. A{Zb I§So>bdmb H$s AÜ`jVm ‘| EH$ g{‘{V H$m JR>Z {H$`m.^maV gaH$ma Zo gyMZm E’$.g§.9/18/2009-AmB©.Ama {XZm§H$ 21 Aºy$~a, 2011 Ûmam BZ {g’$m[aem| na AnZm AZw‘moXZ gy{MV {H$`m, dh {g’$m[ae| {XZm§H$ 6 ’$adar 2012 H$mo Am`mo{OV ~¡R>H$ ‘| h‘mao ‘§S>b Ho$ g‘j aIr JBª. I§So>bdmb g{‘{V H$s {g’$m[aem| Ho$ AmYma na, ‘§S>b Zo ‘mZd g§gmYZ Ho$ à‘wI ‘wÔm| na {dMma {d‘e© H$aZo, ‘mZd g§gmYZ à~§YZ `moOZm Am¡a ‘mZd g§gmYZ na g§~§{YV Zr{V`m| H$s g‘rjm H$aZo, I§So>bdmb g{‘{V Ho$ gwPmdm| Ho$ AZwgma {XZm§H$ 27 ‘mM©, 2012 H$mo ‘mZd g§gmYZ na ‘§S>b H$s g§MmbZ g{‘{V J{R>V H$s.g{‘{V H$s ~¡R>H$ {V‘mhr A§Vamb ‘| hmoVr h¡.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.13 Cƒ ‘yë` Ho$ EZ. nr. E. Am¡a hm{Z dmbr AmpñV`m| H$s {ZJamZr g{‘{V

{dÎmr` godmE§ {d^mJ, {dÎm ‘§Ìmb`, ^maV gaH$ma go àmßV nÌ g§»`m E’$.g§.7/112/2012-~rAmoE {XZm§H$ 21 Zd§~a, 2012 Ho$ AZwgma ‘§S>b Zo Cƒ ‘yë` Ho$ EZ nr E Am¡a hm{Z dmbr AmpñV`m| H$s {ZJamZr Ho$ {bE 11 {Xg§~a,

H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18

11g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

2012 H$mo Am`mo{OV ~¡R>H$ ‘| ‘§S>b H$s EH$ Cn g{‘{V H$m JR>Z {H$`m. ‘§S>b Zo {XZm§H$ 28 ‘mM©, 2014 H$mo g{‘{V H$mo nwZJ©{R>V {H$`m Wm.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.14 ‘§S>b H$s {ZJ©‘ g{‘{V…

09 Zd§~a, 2013 H$mo ‘§S>b Zo n[aH${bV H$s‘V H$s nw{ï> H$aZo Ho$ {bE {ZXoeH$m| H$s g{‘{V H$m JR>Z {H$`m Omo go~r (AmB©.gr.S>r.Ama.) {d{Z`‘m| Ho$ AZwgma {ZYm©[aV VWm gm§{d{YH$ boIm narjH$ Ûmam à‘m{UV hmo {OgHo$ AZwgma A{Y‘mZr AmYma na ^maV gaH$ma H$mo A{Y‘mZr AmYma na B{³dQ>r eo`a Omar {H$E OmE§Jo. C³V g{‘{V H$mo eo`am| H$mo AmJo Omar H$aZo Ho$ {d{^ÝZ nhbwAm| Ho$ g§~§Y ‘| {ZU©` boZo VWm àemg{ZH$ {ZU©` boZo Ho$ {bE àm{YH¥$V {H$`m J`m h¡ Am¡a A{YH$ma {XE JE h¡.

BgHo$ A{V[aŠV, ‘§S>b H$s {XZm§H$ 23 {gV§~a, 2017 H$mo Am`mo{OV ~¡R>H$ ‘| ‘§S>b Zo {ZJ©‘ g{‘{V H$mo nwZ… J{R>V {H$`m h¡. ‘§S>b H$s {ZJ©‘ g{‘{V H$m CÔoí` {ZJ©‘ H$s‘V Omar Am¡a Amd§{Q>V H$s OmZo dmbr H$B© à{V^y{V`m|, go~rAmB© (AmB©grS>rAma) {d{Z`‘, 2009 Ho$ A§V©JV ̀ WmC{„pIV A{Y‘mZr/Ah©VmàmßV g§ñWmJV à{VñWmnZ (Š`y.AmB©.nr.)/A{YH$ma/~moZg/E’$nrAmo/AÝ` H$moB© AmYma na à{V^y{V`m| Ho$ {d^mOZ Am¡a Amd§Q>Z H$m AZw‘moXZ H$aZm h¡.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.15 {d^mJr` nXmoÞ{V g{‘[V

^maV gaH$ma, {dÎm ‘§Ìmb`, Am{W©H$ H$m`© {d^mJ, ~¢qH$J à^mJ, gVH©$Vm AZw^mJ Ho$ {XZm§H$ 08 OyZ, 1998 Ho$ kmnZ g§. 10/6/98/drAmB©Or Ho$ AZwgma EH$ g{‘{V J{R>V H$s JB© {Og‘| AÜ`j Ed§ à~§Y {ZXoeH$, VWm ~¢H$ ‘| ^maV gaH$ma Ed§ ^maVr` [aµOd© ~¢H$ Ho$ Zm{‘Vr {ZXoeH$ em{‘b h¢, `h g{‘{V d[að> ñVa na nXmoÝZ{V na {dMma H$aVr h¡ VWm {deof ê$n go {V‘mhr AmYma na ~¡R>H$ H$a gVH©$Vm AZwemgZmË‘H$ ‘m‘bm| VWm {d^mJr` Om§M H$s g‘rjm H$aVr h¢. VXZwgma, {XZm§H$ 09 Zd§~a, 2013 H$mo {ZXoeH$ ‘§S>b H$s ~¡R>H$ ‘| g{‘{V H$m JR>Z {H$`m J`m.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.16 àmW{‘H$Vm àmßV joÌ F$U g{‘[V…

{XZm§H$ 27 OwbmB©, 2013 H$mo ‘§S>b Zo ‘§S>b H$s Cn-g{‘{V H$m JR>Z {H$`m Omo {H$ àmW{‘H$Vm àmá joÌm| H$mo {XE JE bú` H$s àm{á na A{YH$ Ü`mZ VWm àmW{‘H$Vm àmá joÌm| H$mo CYma Ho$ {d{^Þ Cn-joÌm| ‘| H$s JB© àJ{V, {d{^Þ bú`m| H$mo àmá H$aZo Ho$ {bE H$m`© Zr{V Ho$ à{VnmXZ Ed§ H$s JB© àJ{V H$s {ZJamZr H$s g‘rjm H$aoJr.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.17 BamXVZ MyH$H$Vm©Am| Ho$ nw{ï>H$aU hoVw ‘§S>b g{‘{V

^maVr` [aµOd© ~¢H$ Zo AnZo n[anÌ g§. S>r.~r.Amo.S>r. g§. ~rgr/grAmB©Eg/47/20.16.002/94 {XZm§H$ 23.04.1994 Am¡a g§emo{YV n[anÌ g§. Ama~rAmB©/2014-15/73 {XZm§H$ 07.01.2015 Ûmam `h gy{MV {H$`m h¡ {H$ BamXVZ MyH$H$Vm©Am| H$s nhMmZ Ho$ g§~§Y ‘| H$m`©nmbH$ {ZXoeH$ H$s AÜ`jVm dmbr g{‘{V Ho$ AmXoe H$s g‘rjm H$aZo hoVw AÜ`j Ed§ Xmo ñdV§Ì {ZXoeH$m| H$s AÜ`jVm dmbr g‘rjm g{‘{V Ho$ JR>Z H$aZo {ZXoe {XE h¢. BZ {Xem{ZXoem| Ho$ AmYma na, ‘§S>b Ûmam {XZm§H$ 17 Aà¡b 2015 H$mo Am`mo{OV ~¡R>H$ ‘| BamXVZ MyH$H$Vm©Am| H$s g‘rjm Ho$ {bE {ZXoeH$ ‘§S>b g{‘{V H$m JR>Z {H$`m J`m.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.18 J¡a-ghH$mar CYmaH$Vm©Am| H$s g‘rjm hoVw ‘§S>b g{‘{V

^maVr` [aµOd© ~¢H$, Ho$ nÌ g§. S>r.~r.Ama.gµ§.grAmB©S>r.~rgr.54/20.16.064/2014-15 {XZmH$ {Xg§~a 22, 2014 Ûmam Agh`moJr CYmaH$Vm©Am| H$s g‘rjm Ho$ g§~§Y ‘| H$m`©nmbH$ {ZXoeH$ H$s AÜ`jVm dmbr g{‘{V Ho$ AmXoe H$s g‘rjm H$aZo hoVw AÜ`j Ed§ Xmo ñdV§Ì {ZXoeH$m| H$s AÜ`jVm dmbr g‘rjm g{‘{V Ho$ JR>Z H$aZo Am¡a Agh`moJr CYmaH$Vm©Am| Omo CYmaH$Vm©Am| Ho$ gmW aMZmË‘H$ ê$n go Xo` aH$‘ H$m g‘` na ^wJVmZ ‘| MyH$ O~{H$ do ^yJVmZ H$aZo ‘| gj‘ hmoZo na ^r g§nH©$ ‘| Zht h¢, ‘m§Jr JB© Amdí`H$ gyMZmAm| H$mo CnbãY Zm H$amZo Ho$ H$maU CZHo$ Xo`m| H$s dgybr Ho$ {bE CYmaXmVmAm| Ho$ à`mg H$s ZmH$m‘`m~r, àXmZ {H$ JB© {dÎmr`nmo{fV / g§nm{œ©H$ à{V^y{V VH$ H$s nhþM Zm hmoZo, à{V^y{V H$s {~«H$s ‘| ~mYm Am{X, H$s nhMmZ Ho$ g§~§Y ‘| AmXoe H$s nw{ï>/ A§{V‘ ê$n XoZo {ZXoe {XE h¢. BZ {Xem{ZXoem| Ho$ AmYma na, ‘§S>b g{‘{V Zo Agh`moJr CYmaH$Vm©Am| H$s g‘rjm hoVw ‘§S>b {H$ {XZm§H$ 07 Zd§~a 2015 H$mo Am`mo{OV ~¡R>H$ ‘| JR>Z {H$`m J`m h¡. df© 2017-18 ‘| H$moB© ~¡R>H$ Am`mo{OV Zht H$s JB©.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

4 H$m`©nmbH$m| H$s g{‘{V`m…

~¢H$ Ho$ {XZ-à{V{XZ Ho$ H$m`©H$bmnm| Ho$ gwMmé ê$n go g§MmbZ Ho$ {bE ~¢H$ Zo AZoH$ Am§V[aH$ g{‘{V`m| H$m ^r JR>Z {H$`m h¡. Hw$N> Am§V[aH$ g{‘{V`m± Bg àH$ma h¢ :-

4.1 {Zdoe g{‘{V :

~¢H$ Zo {Zdoe g§~§Yr ‘m‘bm| Am¡a ‘wÐm ~mOma n[aMmbZm| Ho$ g§~§Y ‘| H$m`©nmbH$m| H$s {Zdoe g{‘{V H$m JR>Z {H$`m h¡. C³V g{‘{V {Zdoe Ed§ {Z{Y à~§YZ g§~§Yr g^r boZ-XoZ ‘m‘bm| H$s g‘rjm H$aVr h¡ Am¡a Amdí`H$ {Xem{ZX}e àXmZ H$aVr h¡. g{‘{V H$s ~¡R>H|$ gámh ‘| Xmo ~ma `m {Zdoe {ZU©`m| H$s g‘rjm H$aZo Ho$ {bE O~ H$^r ^r Amdí`H$ hmo, V~ Am`mo{OV H$aZm Amdí`H$ hmoVr h¢.

g{‘{V H$s AÜ`jVm ~¢H$ Ho$ AÜ`j Ed§ à~§Y {ZXoeH$ Am¡a CZH$s AZwnpñW{V ‘| H$m`©nmbH$ {ZXoeH$ H$aVo h¢. AmbmoÀ` df© Ho$ Xm¡amZ g{‘{V H$s ~¡R>H|$ {Z`{‘V én go Am`mo{OV hþBª.

H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18

12g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

4.2 AmpñV Xo`Vm à~§YZ g{‘{V

~¢H$ Zo AmpñV Xo`Vm à~§YZ g{‘{V (E.Eb.gr.Amo.) H$m JR>Z {H$`m h¡. g{‘{V H$s AÜ`jVm AÜ`j Ed§ à~§Y {ZXoeH$ Am¡a CZH$s AZwnpñW{V ‘| H$m`©nmbH$ {ZXoeH$ H$aVo h¢.g{‘{V Ho$ H$m`m] ‘| AÝ` ~mVm| Ho$ gmW-gmW ~mOma OmopI‘ à~§YZ, VabVm OmopI‘ à~§YZ, AmpñV Ed§ Xo`VmAm| H$s ã`mO Xa g§doXZerbVm na {ZJamZr aIZm Ed§ ã`mO Xam| Am{X H$m {ZYm©aU gpå‘{bV h¡.

à^mar ‘hmà~§YH$ Ed§ àYmZ H$m`m©b` Ho$ AÝ` H$m`©nmbH$ g{‘{V Ho$ AÝ` gXñ` h¢. g‘rjmYrZ df© Ho$ Xm¡amZ ~¢H$ ‘| E.Eb.E‘. H$m`m©Ýd`Z ‘| àJ{V g§~§Yr {dMma-{d‘e© Ed§ g‘rjm H$aZo hoVw g{‘{V H$s 63 ~¡R>H|$ Am`mo{OV hþBª.

4.3 Am§V[aH$ eo`a A§VaU g§drjm g{‘{V

~¢H$ Zo CZ eo`am| Ho$ A§VaU H$m AZw‘moXZ H$aZo Ho$ {bE ~¢H$ Ho$ H$m`©nmbH$m| H$s Am§V[aH$ eo`a A§VaU g§drjm g{‘{V H$m JR>Z {H$`m h¡, Omo ~¢H$ Ho$ a{OñQ´ma Ed§ eo`a A§VaU EO|Q>m| Ûmam g§gm{YV {H$E OmVo h¢. g{‘{V g‘`-g‘` na ~oH$mJOrH$aU H$s {Xem ‘| hþB© àJ{V H$s pñW{V Am¡a ~¢H$ Ho$ eo`am| Ho$ ‘yë`m| ‘| hþB© KQ>-~‹T> H$s ^r Amd{YH$ én go g‘rjm H$aVr h¡.‘hmà~§YH$ ({dÎm à~§YZ), ghm`H$ ‘hmà~§YH$ (AmB©.Ama.gr.), Cn ‘hmà~§YH$ (‘§S>b g{Mdmb`), ‘w»` à~§YH$ (AmB©.Ama.gr.)/ H§$nZr g{Md g{‘{V Ho$ gXñ` h¢ Am¡a ‘hmà~§YH$ ({dÎm à~§YZ) Cº$ g{‘{V Ho$ AÜ`j Ho$ én ‘| H$m`© H$aVo h¢. AmbmoÀ` df© Ho$ Xm¡amZ g{‘{V H$s 38 ~¡R>H|$ g§nÝZ hþBª.

4.4 n[aga g§~§Yr ‘m‘bm| na H$m`©nmbH$m| H$s Am§V[aH$ g{‘{V (AmB©.gr.B©.)

g{‘{V Ho$ ‘w»` H$m`© ~¢H$ Ho$ n[agam| O¡go nÅ>mH¥$V/ñdm{‘Ëddmbo AmYm[aV, {H$am`o ‘| ~T>moVar, ~H$m`m am{e H$m ̂ wJVmZ, nÅ>m ZdrH$aU Am¡a nÅ>mH¥$V n[agam| Am{X H$mo dmng bm¡Q>mZo, ‘§Oyar/Zr{V Am{X H$s eVm] ‘| {dMbZ/AmemoYZ Ho$ AZw‘moXZ Am{X H$s ñdrH¥${V XoZm VWm Eogo àñVmdm| H$s {ZXoeH$ ‘§S>b H$s à~§YZ g{‘{V H$mo {g’$m[ae H$aZm Ohm± ^wJVmZ H$s OmZodmbr aH$‘ AmB©.gr.B© Ho$ {bE {ZYm©[aV {ddoH$mYrZ A{YH$ma go A{YH$ hmo.

g{‘{V Ho$ AÜ`j, AÜ`j Ed§ à~§Y {ZXoeH$ h¢. H$m`©nmbH$ {ZXoeH$ VWm N>… ‘hmà~§YH$ g{‘{V Ho$ gXñ` h¢.

df© 2017-18 Ho$ Xm¡amZ g{‘{V H$s 10 ~¡R>H|$ g§nÝZ hþBª Am¡a 73 àñVmdm| H$mo AmB©.gr.B©. Ho$ g‘j àñVwV {H$E {H$E JE Wo.

5. {ZXoeH$m| Ho$ nm[al{‘H$

AÜ`j Ed§ à~§Y {ZXoeH$ Am¡a H$m`©nmbH$ {ZXoeH$ H$mo ^maV gaH$ma Ho$ dV©‘mZ {Xem{ZXoem| Ho$ AZwgma g§doVZ / nm[al{‘H$ H$s AXm`Jr H$s JB© VWm ~¢H$ Ho$ {ZXoeH$ ‘§S>b Ed§ AÝ` g{‘{V`m| H$s ~¡R>H$m| ‘| CnpñWV ahZo Ho$ {bE CÝh| {H$gr àH$ma Ho$ ~¡R>H$ ewëH$ H$s AXm`Jr Zht H$s JB©. ^maV gaH$ma {dÎm ‘§Ìmb` {dÎmr` godmE§ {d^mJ go àmá A{YgyMZm E’$.g§. 15/1/2011-~r.Amo.AmB© {XZm§H$ 20 OybmB© 2015 Ho$ AZwgma, AÝ` g^r J¡a-H$m`©nmbH$ {ZXoeH$m| ^maV gaH$ma Am¡a ^maVr` [aOd© ~¢H$ Ho$ Zm{‘Vr {ZXoeH$ H$mo N>mo‹S>H$a AÝ` àË`oH$ ‘§S>b H$s ~¡R>H$ ‘| ̂ mJ boZo Ho$ {bE ê$. 20,000/- ~¡R>H$ ewëH$ Am¡a ê$ 10,000/- àË`oH$ AÝ` g{‘{V H$s ~¡R>H$ ‘| ^mJ boZo Ho$ {bE AXm {H$E JE.

~¡R>H$ ewëH$, {OgHo$ {bE {ZXoeH$ H$mo Cn`w©º$ AZwgma ^wJVmZ {H$`m OmZm h¡, Ho$ Abmdm ~¢H$ Ho$ H$m`© Ho$ g§~§Y ‘| `mÌm H$aZo dmbo Bg àH$ma Ho$ àË`oH$ {ZXoeH$ H$mo Ho$Ð gaH$ma Ûmam g‘`-g‘` na {Z`V AmYma na CZH$m/CZH$s `mÌm Ed§ {dam‘ ì`` (Omo ^r hmo) H$s à{Vny{V© ~¢H$ Ûmam H$s OmEJr. J¡a

H$m`©nmbH$ {ZXoeH$m| Ho$ nm[al{‘H$ go g§~§{YV g^r ‘m‘bo, amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm, 1970 ‘| C{ëbpIV àmdYmZm| Ûmam em{gV h¢.

6. nXm©’$me H$aZo dmbo H$s Zr{V

~¢H$ Ho$ {ZXoeH$ ‘§S>b Zo gr.dr.gr. Am¡a go~r Ho$ {Xem{ZXoem| Ho$ AZwgma {dgb ãbmoAa Zr{V Zm‘H$ Zr{V H$m AZw‘moXZ {H$`m h¡. Bg V§Ì Ho$ AYrZ, H$moB© ^r H$‘©Mmar, AZ¡{VH$ ì`dhma, `{X H$moB© hmo, dmñV{dH$ `m g§{X½Y YmoImY‹S>r `m AmMaU VWm Zr{V Ho$ Cëb§KZ Am{X Ho$ g§~§Y ‘| gr.dr.Amo./ à~§YZ H$mo H¡$go [anmoQ>© H$a gH$Vo h¡ BgH$s OmZH$mar Xr JB© h¡. `h V§Ì H$‘©Mm[a`m| H$mo Omo Bg ì`dñWm H$m à`moJ H$aVo h¡, CËnrS>Z Ho$ pIbm’$ n`m©ßV gwajm àXmZ H$aVr h¡ Am¡a AgmYmaU n[apñW{V`m| ‘|, boIm narjm g{‘{V Ho$ AÜ`j VH$ grYo nhþ§MZo H$s gw{dYm àXmZ H$aVr h¡. {dgb ãbmoAa Zr{V 2014-15 ~¢H$ H$s do~gmB©Q> na àX{e©V H$s JB© h¡.

7. gmYmaU g^m H$s ~¡R>H|$

{nN>br VrZ dm{f©H$ gm‘mÝ` g^mAm| Ed§ {nN>br VrZ AgmYmaU gm‘mÝ` g^mAm| H$m ã`m¡am ZrMo {X`m J`m h¡. g^r ~¡R>H|$ EH$ hr ñWmZ g^mJ¥h, ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Oo.dr.nr.S>r. `moOZm, {dbonmb} (n{ü‘) ‘w§~B© -400 056 ‘| g§nÞ hþB©.

~¡R>H$ H$m ã`m¡am nydm©Ýh VmarI Am¡a g‘`

B³H$sgdt dm{f©H$ gm‘mÝ` g^m * ‘§Jbdma, 27 OyZ, 2017 àmV… 11: 00

~rgdt dm{f©H$ gm‘mÝ` g^m * ‘§Jbdma, 28 OyZ, 2016 àmV… 11.00

CÞrgdt dm{f©H$ gm‘mÝ` g^m e{Zdma, 27 OyZ, 2015 àmV… 11.00

AgmYmaU gm‘mÝ` g^m (^maV gaH$ma H$mo A{Y‘mZr AmYma na B©{¹$Q>r eo`am| H$m g¥OZ, àñVmd, Omar H$aZo VWm Am~§Q>Z Ho$ {bE)

‘§Jbdma, 27 ‘mM©, 2018 àmV… 11.00

AgmYmaU gm‘mÝ` g^m (^maV gaH$ma/^maVr` OrdZ ~r‘m {ZJ‘ Am¡a ^maVr` gm‘mÝ` ~r‘m {ZJ‘ H$mo A{Y‘mZr AmYma na B©{¹$Q>r eo`am| H$m g¥OZ, àñVmd, Omar H$aZo VWm Am~§Q>Z Ho$ {bE)

gmo‘dma, 27 ‘mM©, 2017 àmV… 11.00

AgmYmaU gm‘mÝ` g^m (^maVr` OrdZ ~r‘m {ZJ‘ Ho$ A{Y‘mZr AmYma na B©{¹$Q>r eo`am| H$m g¥OZ, àñVmd, Omar H$aZo VWm Am~§Q>Z Ho$ {bE)

Jwê$dma, 22 {gV§~a, 2016 àmV… 11.00

* {nN>br dm{f©H$ gmYmaU g^m ‘| lr AœZr Hw$‘ma - AÜ`j Ed§ à~§Y {ZXoeH$, lr‘Vr V¥îUm Jwhm - H$m`©nmbH$ {ZXoeH$, lr a‘oe Eg. qgh - H$m`©nmbH$ {ZXoeH$, lr dr M§ÐgoH$aZ eo`aYmaH$ {ZXoeH$ Ed§ AÜ`j, boIm narjm g{‘{V CnpñWV Wo.

21dt dm{f©H$ gmYmaU g^m H$s ~¡R>H$ Cn`w©ŠV CŠV AgmYmaU gm‘mÝ` g^m ‘| {deof g§H$ën nm[aV {H$`m J`m Wm.

S>mH$ ‘VXmZ - {nN>bo {dÎm df© Ho$ Xm¡amZ ~¢H$ Zo {H$gr S>mH$ ‘VXmZ H$m Am`moOZ Zht {H$`m.

H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18

13g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

B©-‘VXmZ - ~¢H$ Zo Cn`w©ŠVmZwgma Am`mo{OV dm{f©H$ gm‘mÝ` g^m Am¡a AgmYmaU gm‘mÝ` g^m ‘| àñVwV {H$E JE g§H$ënm| Ho$ {bE eo`aYmaH$m| H$mo B©-‘VXmZ H$s gw{dYm àXmZ {H$`m.

8. àH$Q>Z :

8.1 ^m¡{VH$ boZ-XoZ VWm Am{W©H$ g§~§Y H$m àH$Q>Z

~¢H$ Zo g§~§{YV nj boZ-XoZm| Ho$ ^m¡{VH$Vm Am¡a g§~§{YV nj boZ-XoZm| Ho$ gmW {ZnQ>mZ na Zr{V ~ZmB© h¡ Omo {XZm§H$ 09 OZdar, 2015 H$mo Am`mo{OV ~¡R>H$ ‘| {ZXoeH$ ‘§S>b Ûmam AZw‘mo{XV h¡. Cn`w©º$ Zr{V ~¢H$ H$s do~gmB©Q> na ^r àX{e©V H$s JB© h¡, CgH$s do~ qbH$ {ZåZ àH$ma h¡ : http://www.denabank.com/uploads/files/1421147731326-RPT-Policy.pdf

{XZm§H$ 31 ‘mM©, 2018 H$mo g‘má {dÎm df© ‘| ~¢H$ Am¡a CgHo$ {ZXoeH$m| Ho$ ~rM {H$gr àH$ma Ho$ ‘hËdnyU© g§~§{YV nj Ho$ boZ-XoZ, Am{W©H$ boZ-XoZ `m g§~§Y H$s H$moB© Eogr KQ>Zm Zht hþB©, {OgH$m ì`mnH$ én go ~¢H$ Ho$ {hVm| Ho$ gmW g§^mì` Q>H$amd g§^m{dV hmo.

~¢H$ Zo JwOamV amÁ` ‘| EH$ joÌr` J«m‘rU ~¢H$ AWm©V XoZm JwOamV J«m‘rU ~¢H$ (S>r.Or.Or.~r.) H$m àm`moOZ {H$`m h¡ {Og‘| ~¢H$ H$m ñdm{‘Ëd 35% h¡. df© Ho$ Xm¡amZ, S>r.Or.Or.~r. Zo XoZm ~¢H$ gh^m{JVm A§Va ~¢H$ gh^m{JVm à‘mUnÌ (AmB©.nr.~r.gr.) ‘| é 190 H$amo‹S> H$m OmopI‘ gmPm AmYma na àmW{‘H$Vm joÌ ‘| {d{^Þ F$Um| go g§~§{YV {Zdoe {H$`m h¡ Omo 27 {Xg§~a 2017 H$mo n[anŠd hmo J`m Wm. S>r.Or.Or.~r. Zo XoZm ~¢H$ Ho$ Q>r`a 2 ~m±S> ‘| ê$. 2 H$amo‹S> H$m {Zdoe {H$`m h¡. BgHo$ A{V[aŠV, {XZm§H$ 31.03.2018 VH$ ~¢H$ ‘| S>r.Or.Or.~r. H$s é 644.50 H$amo‹S> O‘mam{e`m§ hmo JB© Am¡a é 594.35 H$amo‹S> Ho$ A{J«‘ {bE h¡.

8.2 ~¢H$ Ûmam AZwnmbZ Z {H$E, OmZo go g§~§{YV H$moB© ‘m‘bm àH$me ‘| Zht Am`m h¡ VWm eo`a ~mOma / go~r `m AÝ` gm§{d{YH$ àm{YH$aU Ûmam {nN>bo VrZ dfm] Ho$ Xm¡amZ ny§Or ~mOmam| go g§~§{YV {H$gr ^r ‘m‘bo ‘| ~¢H$ na {H$gr àH$ma H$m Ow‘m©Zm / Amjon Zht bJm`m J`m.

8.3 XoZm ~¢H$ Ûmam go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 40(9) H$s AnojmZwgma, AÝ` ~mVm| Ho$ gmW-gmW A§VaU, àofU, Cn {d^mOZ, g‘oH$Z, ZdrH$aU VWm B©{¹$Q>r eo`am| H$m {d{Z‘`, CZHo$ àñVw{VH$aU H$s {V{W go 30 {XZ Ho$ A§Xa {H$`o OmZo Ho$ g§~§Y ‘| noeoda H§$nZr g{Md go àË`oH$ N>… ‘hrZo ‘| à‘mUnÌ àmá H$aZm hmoJm. Bg à‘mUnÌ H$mo Omar hmoZo Am¡a ~r.Eg.B©. Ed§ EZ.Eg.B©.H$mo na Xm`a H$aZo {H$`m OmVm h¡ Ohm§ ~¢H$ Ho$ eo`a gyMr~Õ h¢.

8.4 go~r Ho$ n[anÌ g§»`m S>rEÊS>grgr/E’$AmB©Q>rQ>rgr/grAmB©Ama-16 {XZm§H$ {Xg§~a 31, 2002 Ho$ AZwgma, XoZm ~¢H$ H$s Hw$b {ZJ©V / MwH$Vm B©{¹$Q>r ny§Or Ho$ gmW ^m¡{VH$ ê$n ‘| VWm {S>nm{OQ>ar Ho$ nmg aIr J`r Hw$b B©{¹$Q>r eo`a ny§Or H$m g‘m`moOZ H$aZo Ho$ CÔoí` go ì`mdgm{`H$ H§$nZr g{Md H$s ’$‘© Ûmam eo`a ny§Or boIm narjm H$m {‘bmZ(nyd© ‘| g{Mdr` boIm narjm Ho$ Zm‘ go OmZm OmVm Wm) {V‘mhr AmYma na H$s OmVr h¡. Bg g§~§Y ‘| Omar à‘mUnÌ ~r.Eg.B© Ed§ EZ.Eg.B© H$mo,{V‘mhr g‘m{á Ho$ ~mX 30 {XZm| ‘| AJ«o{fV {H$`m J`m h¡ Ohm§ ~¢H$ Ho$ B©{¹$Q>r eo`a gyMr~Õ h¢.

8.5 ~¢H$ Ûmam AZwnmbZ H$s JB© J¡a-A{Zdm`© AnojmAm| H$s eV] {ZåZ àH$ma h¡

H«$‘ g§»`m

Anojm AZwnmbZ

1 {ZXoeH$ ‘§S>bJ¡a- H$m`©nmbH$ AÜ`j H§$nZr Ho$ ì`` go AÜ`j Ho$ H$m`m©b` H$s XoI-aoI hoVw ~Zm`m Om gH$Vm h¡ Am¡a

{ZXoeH$ ‘§S>b H$m AÜ`j, H$m`©nmbH$ {ZXoeH$ h¡ {OÝh| ^maV gaH$ma Ûmam {Z`wº$ {H$`m J`m h¡, Bg{bE J¡a-H$m`©nmbH$ AÜ`j Ûmam H$m`m©b` XoI-aoI Ho$ g§~§Y ‘| `h bmJy Zht hmoVm.

2 eo`aYmaH$m| Ho$ A{YH$ma{dJV N>- ‘mhm| ‘| K{Q>V ‘hËdnyU© KQ>ZmAm| Ho$ gmW N>‘mhr Ho$ {dÎmr` {ZînmXZ H$mo g^r eo`aYmaH$m| H$mo ^oOm Om gH$Vm h¡.

go~r Ho$ àmén ‘| {V‘mhr / AY©dm{f©H$ n[aUm‘m| H$mo g‘mMma-nÌ ‘| àH$m{eV {H$`m OmVm h¡ Am¡a ~¢H$ VWm ñQ>m°H$ EŠg|Om| H$s do~gmB©Q> na àX{e©V {H$`m OmVm h¡.

3 boIm narjm Ah©VmH§$nZr Aà{V~§{YV {dÎmr` {ddaU ì`dñWm ‘| ~‹T>o.

df© Ho$ Xm¡amZ g‘rjm Ho$ AYrZ boIm narjm Ah©Vm Zht nmB© JB©. Bg{bE, ~¢H$ Zo Bg Anojm H$m AZwnmbZ {H$`m h¡.

4 AÜ`j Am¡a gr.B©.Amo. Ho$ {^Þ nXm| H$m g¥OZ H§$nZr, AÜ`j Am¡a à~§Y {ZXoeH$ / gr.B©.Amo. Ho$ nXm| na {d{^Þ ì`{º$`m| H$mo {Z`wº$ H$ao.

~¢H$ Ho$ AÜ`j Ed§ à~§Y {ZXoeH$ H$s {Z`w{º$ {dÎm ‘§Ìmb`, ^maV gaH$ma Ûmam H$s OmVr h¡. Bg{bE, `h bmJy Zht hmoVm.

5 Am§V[aH$ boIm narjH$ H$s [anmo{Qª>JAm§V[aH$ boIm narjH$ grYo boIm narjm g{‘{V H$mo [anmoQ>© H$a|.

~¢H$ H$m Am§V[aH$ boIm narjm {d^mJ grYo boIm narjm g{‘{V H$mo [anmoQ>© H$aVm h¡. Bg{bE, ~¢H$ Zo Bg Anojm H$m AZwnmbZ {H$`m h¡.

9. {dÎmr` n[aUm‘ Ed§ g§àofU Ho$ gmYZ

~¢H$ AnZo gXñ`m| Am¡a OmopI‘ YmaH$m| H$mo CZHo$ {hVm| go g§~§{YV KQ>ZmAm| go CÝh| AdJV aIZo H$s Amdí`H$Vm H$mo ‘hËd XoVm h¡.

~¢H$ Ho$ {V‘mhr / AÕ©dm{f©H$ / dm{f©H$ n[aUm‘ {ZYm©[aV g‘` gr‘m ‘| CZ ñQ>m°H$ EŠgM|Om| ‘| àñVwV {H$E OmVo h¢ Ohm± ~¢H$ Ho$ eo`a gyMr~Õ h¢. BgHo$ gmW hr {V‘mhr / AÕ©dm{f©H$ / dm{f©H$ n[aUm‘ gm§{d{YH$ AnojmAm| Ho$ AZwê$n A§J«oOr, {hÝXr Am¡a ‘amR>r (joÌr` ^mfm) ‘| àH$m{eV {H$E JE Wo. ~¢H$ AnZo dm{f©H$ n[aUm‘m| H$s H$mJOr à{V eo`aYmaH$m| H$mo ^r CnbãY H$amVm h¡.n[aUm‘ Ho$ gmW-gmW eo`a Ym[aVm H$m ñdén Am¡a eo`a ‘yë` ~¢H$ H$s do~gmB©Q> AWm©V www.denabank.com na ^r àX{e©V {H$E J`o h¢. `h ~¢H$ Ho$ ~mao ‘| H$m`m©b`rZ àog {dk{á Ed§ AÝ` ‘hËdnyU© {ddaU ^r àX{e©V H$aVm h¡.

H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18

14g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

10. eo`aYmaH$ Ho$ {bE gyMZmE± ~¢H$ EH$ AZwgy{MV dm{UpÁ`H$ ~¢H$ h¡, {OgH$m àYmZ H$m`m©b` ‘w§~B© ‘| h¡. ~¢H$ H$s CnpñW{V BgH$s 1872 emImAm| Ho$ ZoQ>dH©$ Ho$ gmW ^maV Ho$ g‘ñV {hñgm| ‘| h¡. ~¢H$ Ho$ B©{¹$Q>r eo`a, ~r.Eg.B©. ~mOma {b{‘Q>oS> (~r.Eg.B©.) VWm ^maVr` amï´>r` eo`a ~mOma {b{‘Q>oS> (EZEgB©), ‘| gyMr~Õ h¢. ñQ>m°H$ {H«$n H$moS> {ZåZmZwgma h¢ :-

ñQ>m°H$ EŠgM|O H$moS>

Aja g§»`m

~rEgB© XoZm ~¢H$ 532121

EZEgB© XoZm ~¢H$ --

AJbo df© 2018-19 Ho$ {bE XmoZm| ñQ>m°H$ EŠg|Om| H$mo dm{f©H$ gyMr~ÕVm ewëH$ H$m ^wJVmZ H$a {X`m J`m h¡

11. df© 2017-18 Ho$ Xm¡amZ ny§Or ‘| d¥{Õ

11.1 ^maV gaH$ma (156209320 B{¹${Q> eo`am|) ^maVr` OrdZ ~r‘m {ZJ‘ (44865702 B{¹${Q> eo`am|) ^maVr` gmYmaU ~r‘m {ZJ‘ (5206977 B{¹$Qr> eo`am|) H$mo A{Y‘mZr AmYma na é 38.41/- à{V eo`a Ho$ ‘yë` na ({OZ‘| é 28.41/- eo`a àr{‘`‘ Ho$ gmW) 206281999 B{¹${Q> eo`am| H$mo Omar Am¡a Amd§Q>Z Ûmam é 792.33 H$amo‹S> H$s aH$‘ VH$ B{¹$Q>r> eo`a ny§Or OwQ>mZo Ho$ {bE {XZm§H$ 27 ‘mM©, 2017 H$mo Am`mo{OV AgmYmaU gm‘mÝ` g^m ‘| ~¢H$ Zo eo`aYmaH$m| H$m AZw‘moXZ àmá {H$`m. ^maV gaH$ma Ho$ nÌ g§. 7/38/2014-~r.Amo.E. {XZm§H$ 4 AJñV 2017 Ho$ AZw‘moXZ Ho$ AZwgaU ‘| eo`am| H$m Am~§Q>Z {XZm§H$ 4 AJñV 2017 H$mo {H$`m J`m.

~¢H$ Zo AŠVy~a 2017 ‘| Ah©VmàmßV g§ñWmZ à{VñWmnZ (Š`yAmB©nr) Ho$ A§VJ©V Ah©VmàmßV g§ñWmJV H«o$VmAm| (Š`yAmB©~r) H$mo ê$ 29.20 à{V eo`a H$s Xa go 13,74,18,819 nyU©V`m àXËV B{¹$Q>r eo`a Ho$ {ZJ©‘ Am¡a Amd§Q>Z Ûmam ê$. 401.26 H$amo‹S> OyQ>mE§ h¢.

~¢qH$J H§$nZr (CnH«$‘ Ed§ A{YJ«hU Am¡a A§VaU) A{Y{Z`‘, 1970 H$s Ymam 3(2~r)(gr) Ho$ A§VJ©V ^maVr` [aOd© ~¢H$ Am¡a ^maV gaH$ma go AZw‘moXZ Ho$ AZwgaU ‘|; ~¢H$ Zo 27 ‘mM©, 2018 H$mo A{Y‘mZr AmYma na ^maV Ho$ amï´>n{V (^maV gaH$ma) H$mo ê$. 26.99 à{V eo`a (à{V eo`a 16.99 én`o Ho$ àr{‘`‘ g{hV) na àË`oH$ ê$ 10/- én`o Ho$ 112,81,95,628 B{¹$Q>r eo`am| Ho$ Amd§Q>Z Ûmam ê$. 3,045 H$amo‹S> énE OyQ>mE§ h¢. OyQ>mE§ JB© ny§Or H$m Cn`moJ ~¢H$ H$s ny§Or n`m©áVm H$mo gwÑT> H$aZo Am¡a ~¢H$ H$s gm‘mÝ` H$mamo~ma Amdí`H$VmAm| H$mo {Z{Y àXmZ H$aZo Ho$ {bE {H$`m OmEJm.

11.2 ~¢H$ Zo g‘`-g‘` na dMZ nÌ / F$UnÌ (Q>r`a I Ed§ Q>r`a II ny§Or) Ho$ ê$n ‘| An[adV©Zr` ~mÊS> Omar {H$`o h¢. CZgo g§~§{YV {ddaU {ZåZàH$ma h¡…

{ZJ©‘ H$m {ddaU ‘mÌm (én`o H$amoS> ‘|)

Am~§Q>Z H$s {V{W n[an¹$Vm H$s {V{W AmB©EgAmB©EZ g§»`m

Ý`mgr Ho$ {ddaU

9.25% {ZåZ Q>r`a-II ~m§S> (l§¥Ibm IX) 106 25.03.2008 24.05.2018 INE077A09062 AmB©.S>r.~r.AmB©. Q´ñQ>r{en g{d©goO {b., E{e`Z {~pëS§>J, ^y‘r Vb, 17, Ama. H$‘mZr ‘mJ©, ~bmS©> BñQ>oQ>,‘w§~B© - 400 001.Q>o{b’$moZ : 022- 4080 7009B©-‘ob… itsl@idbitrustee.com

11.20% {ZåZ Q>r`a-II ~m§S> (l§¥Ibm X) 300 30.09.2008 30.04.2019 INE077A09070

9.50% {ZåZ Q>r`a-II ~m§S> (l¥§Ibm XI) 200 29.01.2009 29.01.2019 INE077A09088

9.00% ~o‘r`mXr ~m§S> (l¥§Ibm II) 125 28.05.2009 ~o‘r¶mXr INE077A09096

9.23% {ZåZ Q>r`a II ~m§S> (l§¥Ibm XII) 850 25.06.2012 25.06.2027 INE077A09104 g|Q>~¢H$ ’$mBZ|{e`b g{d©goO {b{‘Q>oS>g|Q´b ~¢H$ Am°’$ B§{S>`m-E‘E‘Amo ^dZ, 3 Vb (nyd© qdJ), 55 E‘Or amoS>, ’$moQ>©, ‘w§~B© 400001

9.86% ~ogb III Ho$ AZwê$n {ZåZ Q>r`a II ~m§S> (l¥§Ibm XIII)

780 26.02.2014 26.02.2024 INE077A08064

8.76 % ~ogb III Ho$ AZwê$n {ZåZ {Q>`a II ~m§S> (l¥§Ibm XIV)

400 20.09.2016 20.09.2026 INE077A08098

{dÎmr` df© Ho$ Xm¡amZ ~m§S> H$m ‘moMZ:{XZm§H$ 31.12.2017 H$mo H«$` {dH$ën H$m Cn`moJ H$aHo$ 10.05% ~o‘r`mXr ~m°ÝS> (l¥§Ibm I) H$m nwZ‘m}MZ {H$`m J`m Wm. {XZm§H$ 31.03.2018 H$mo 10.20% ~ogb III AZwnmbZ EQ>r 1 ~o‘r¶mXr ~m°ÝS> (l¥§Ibm III) Am¡a 10.95% ~ogb III AZwnmbZ EQ>r 1 ~o‘r¶mXr ~m°ÝS> (l¥§Ibm IV) H$mo{d{Z`m‘H$ ‘m‘bm| Ho$ A§VJ©V H«$` {dH$ën H$m à`moJ H$aHo$ nwZ‘m}MZ {H$`m J`m Wm.`o g^r ~m°ÝS> ^maVr` amîQ´r` eo`a~mOma {b{‘Q>oS> ‘| gyMr~Õ h¢ Am¡a ~¢H$ eo`a~mOma H$mo AJbo {dÎmr` df© 2018-19 Ho$ {bE BgH$s Xo` {V{W go nhbo dm{f©H$ gyMr~ÕVm ewëH$ H$m ^wJVmZ H$aoJm.

11.3 h‘mao ~¢H$ Ho$ ~m§S>m| H$s gmI aoqQ>J H$s pñW{V:

~m§S> Ho$ àH$ma EO|gr aoqQ>J (‘mM© 2017)Q>r`a - II ~m§S> (~ogb II Ho$ AZwgma) {H«${gb aoqQ>J {H«${gb E E - / pñWa

Ho$`a aoqQ>J Ho$`a E + / pñWaB§{S>`m aoqQ>J B§{S>`m E E - / pñWa

~o‘r`mXr / AmB©.nr.S>r.AmB©. (~ogb II Ho$ AZwgma) {H«${gb aoqQ>J {H«${gb E +/ pñWaHo$`a aoqQ>J Ho$`a E / pñWaB§{S>`m aoqQ>J B§{S>`m E - / pñWa

Q>r`a II ~m§S> (~ogb III Ho$ AZwgma) Ho$`a aoqQ>J Ho$`a E + / pñWa

H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18

15g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

12.1 eo`am| Am¡a Mb{Z{Y H$m ~oH$mJOrH$aU

~¢H$ Ho$ eo`am| H$m ì`mnma Amdí`H$ ê$n go ~oH$mJOrH¥$V ñdê$n ‘| {H$`m OmVm h¡.OmarH$Vm© ~¢H$ Ho$ ê$n ‘|, ~¢H$ Zo eo`am| Ho$ ~oH$mJOrH$aU Ho$ {bE EZ.Eg.S>r.Eb. Am¡a gr.S>r.Eg.Eb. Ho$ gmW EH$ H$ama {H$`m h¡. go~r {Xem{ZX}em| H$s eVm] Ho$ AZwgma, ~¢H$ Ho$ a{OñQ´ma Am¡a eo`a A§VaU A{^H$Vm© ^r ~¢H$ Ho$ eo`aYmaH$m| H$mo A§VaU / ~oH$mJOrH$aU / nwZH$m©JOrH$aU H$s gw{dYm Xo aho h¢.

31-03-2018 H$mo

S>r‘oQ> H$mJOr ê$n ‘| Hw$b

eo`aYmaH$m| H$s g§»`m

2,16,856(87.48%)

31,027(12.52%)

2,47,883(100%)

eo`am| H$s g§»`m 225,06,15,237(99.63%)

84,31,093(0.37%)

225,90,46,330(100%)

12.2 eo`a A§VaU nÕ{V Am¡a {ZdoeH$m| H$s {eH$m`Vm| H$m {ZdmaU

~¢H$ Zo ‘ogg© qbH$ BZQ>mB©‘ B§{S>`m àmBdoQ> {b{‘Q>oS> H$mo ~¢H$ Ho$ a{OñQ´>ma >Am¡a eo`a A§VaU EO|Q> (Ama.EÊS>.Q>r) Ho$ ê$n ‘| H$m`© gm¢nm h¡ Am¡a eo`a / ~m°ÊS> A§VaU / àofU, bm^m§e/ã`mO ^wJVmZ Am¡a {ZdoeH$ g§~§Yr AÝ` g^r ‘m‘bm| na H$ma©dmB© h‘mao a{OñQ´ma Ed§ eo`a A§VaU EO|Q> Ûmam CZHo$ H$m`m©b` ‘| H$s OmVr h¡. a{OñQ´ma Ed§ eo`a A§VaU EO|Q> {ZdoeH$m| Ho$ AZwamoYm| na H$ma©dmB© H$aZo Ho$ ~mX, CÝh| ~¢H$ Ho$ H$m`©nmbH$m| H$s Am§V[aH$ eo`a A§VaU g§drjm g{‘{V Ho$ g‘j aIVm h¡ Am¡a dh g{‘{V ~¢H$ Ho$ eo`am| Ho$ A§VaU / àofU Am{X H$m AZw‘moXZ H$aHo$ CgH$s nw{ï> Ho$ {bE eo`a A§VaU g{‘{V H$mo AnZr g§ñVw{V ^oOVr h¡.

eo`aYmaH$ AnZo A§VaU {dboI (Ho$db H$mJOr én ‘| Ym[aV hmoZo Ho$ ‘m‘bo ‘|) Am¡a {eH$m`V g{hV AÝ` H$moB© àboI ~¢H$ Ho$ a{OñQ´ma Ed§ eo`a A§VaU EO|Q> Ho$ {ZåZ{bpIV nVo na ^oO gH$Vo h¢ Am¡a Bggo g§~§{YV nÌmMma ^r, `{X H$moB© hmo, Cgo ~¢H$ Ho$ {ZdoeH$ g§nH©$ Ho$Ð H$mo ZrMo {XE JE nVo na ^oO gH$Vo h¢.

‘ogg© qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS>BH$mB©: XoZm ~¢H$, gr 101, 247 nmH©$, Eb. ~r. Eg ‘mJ©, {dH«$mobr (n{ü‘), ‘w§~B©,‘hmamï´> - 400083Q>obr’$moZ… 022 - 49186270Q>obr ’¡$Šg… 022 - 49186060B©-‘ob… rnt.helpdesk@linkintime.co.in, Bonds.helpdesk@linkintime.co.in

XoZm ~¢H$, àYmZ H$m`m©b`,{ZdoeH$ g§nH©$ H|$Ð, 3am Vb,XoZm H$mnm}aoQ> g|Q>a,gr-10, Or ãbm°H$, ~m§Ðm-Hw$bm© H$m°åßboŠg,~m§Ðm (nyd©), ‘w§~B© 400051Q>o{b’$moZ… 26545318/19/20Q>o{b’o$Šg… 26545317B© ‘ob… irc@denabank.co.in

go~r Ho$ {Xem{ZXo©em| Ho$ AZwgma, ~¢H$ Zo {eH$m`Vm| Ho$ {ZdmaU hoVw EH$ {d{eï> B©-‘ob AmB©.S>r. investorgrievance@denabank.co.in àXmZ H$s h¡. eo`aYmaH$m| go AZwamoY h¡ {H$ do {H$gr ^r Vah H$s {eH$m`Vm| Ho$ ‘m‘bo ‘| Bg gw{dYm H$m Cn`moJ H$a|.

12.3 H$mnm}aoQ> A{^emgZ ‘| A{^Zd nhb

H$mnm}aoQ> A{^emgZ ‘| A{^Zd nhb Ho$ én ‘|, g^r nÌm{X Am¡a XñVmdoO O¡go {H$ E.Or.E‘. H$s `m AÝ` gm‘mÝ` ~¡R>H$m| H$s gyMZm, ì`m»`mË‘H$ {ddaU, dm{f©H$ [anmoQ>©, VwbZ nÌ, {ZXoeH$m| H$s [anmoQ>©, boIm narjH$m| H$s [anmoQ>© Am¡a eo`aYmaH$m| Ho$ {bE AÝ` g§Xoe BboŠQ´m{ZH$ àmén ‘| eo`aYmaH$ Ûmam ~¢H$ ‘| `m {ZjonmJma Ho$ nmg, Omo ^r ‘m‘bm hmo, ~¢H$ n§OrH¥$V B©-‘ob ES´og na ^oOVm h¡.

g^r eo`aYmaH$m| go AZwamoY h¡ {H$ {ZjonmJma gh^mJr (S>r.nr.) `m ‘ogg© qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS> Ho$ nmg OëX go OëX AnZo B©-‘ob AmB©.S>r. n§OrH¥$V / AÚVZ H$a bo, Vm{H$ ~¢H$ Bg A{^Zd nhb H$mo A{YH$ gj‘ H$a gH|$.

12.4 {dÎmr` H¡$b|S>a: (AñWm`r)

{dÎmr` df© 1 Aà¡b 2018 go 31 ‘mM©, 2019

boIm| na {dMma H$aZo Ed§ bm^m§e, `{X H$moB© hmo, H$s g§ñVw{V H$aZo Ho$ {bE ‘§S>b H$s ~¡R>H$

11 ‘B© 2018 (ewH«$dma)

~hr ~§X hmoZo H$s VmarI| 21 OyZ 2018 go 27 OyZ 2018

‘w»Vmar ’$m‘© àmá H$aZo H$s A§{V‘ {V{W 22 OyZ 2018

22dt dm{f©H$ gm‘mÝ` g^m H$s VmarI 27 OyZ 2018 àmV … 11…00 ~Oo

àW‘ VrZ {V‘m{h`m| Ho$ {bE J¡a boImnar{jV n[aUm‘m| H$mo A{^boI ‘| boZo hoVw {ZXoeH$ ‘§S>b H$s ~¡R>H$

g§~§{YV {V‘mhr Ho$ ~mX Ho$ 45 {XZm| Ho$ A§Xa

22dt dm{f©H$ gm‘mÝ` g^m H$m ñWb g^mJ¥h, ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Hy$na AñnVmb Ho$ nmg, Oo.dr.nr.S>r. ñH$s‘, {dbonmb} (n{ü‘), ‘w§~B© 400056

12.5 df© 2017-18 Ho$ Xm¡amZ EZ.Eg.B© Ed§ ~r.Eg.B©. Ho$ ‘mÜ`‘ go IarXo /~oMo JE eo`am| H$s H$s‘V Am¡a ‘mÌm…

amï´>r` ñQ>m°H$ EŠgM|O (EZ.Eg.B©.) ~m§~o ñQ>m°H$ EŠgM|O (~r.Eg.B©.)

Ad{Y Cƒ {ZåZ IarXo / ~oMo JE eo`am| H$s Hw$b ‘mÌm

Cƒ {ZåZ IarXo / ~oMo JE eo`am| H$s Hw$b ‘mÌm

Aà¡b -17 44.90 38.10 2,75,48,301 44.70 38.00 57,91,852

‘B© -17 50.10 33.75 7,01,42,856 50.00 33.70 1,66,34,343

OyZ -17 38.40 33.10 3,03,33,562 38.40 33.00 73,67,699

OwbmB© -17 36.10 32.10 1,87,63,644 36.10 32.25 41,77,220

AJñV -17 35.25 30.30 1,38,07,692 35.30 30.30 33,60,393

{gV§~a -17 33.60 30.00 1,69,20,104 33.45 30.45 27,48,452

Aºy$~a -17 32.00 27.10 10,15,94,414 32.00 27.10 1,41,13,357

Z~§da -17 28.70 24.30 7,09,26,971 28.80 24.30 1,15,14,144

{Xg§~a -17 26.40 23.55 3,40,37,649 26.40 23.70 66,11,760

OZdar -18 27.85 24.85 7,30,77,475 27.85 24.65 1,30,02,922

’$adar -18 25.50 19.85 3,79,73,140 25.55 19.85 77,71,152

‘mM© -18 21.60 18.05 3,15,33,392 21.70 18.00 65,03,534df© Ho$ Xm¡amZ gdm}ƒ 50.10 df© Ho$ Xm¡amZ gdm}ƒ 50.00

df© Ho$ Xm¡amZ Ý`yZV‘ 18.05 df© Ho$ Xm¡amZ Ý`yZV‘ 18.00

12.6 {XZm§H$ 31 ‘mM©, 2018 H$mo eo`aYm[aVm H$m ñdê$n:

31 ‘mM©, 2018 H$mo g‘má df© hoVw ~¢H$ H$s eo`aYm[aVm H$m ñdê$n {ZåZ àH$ma h¡…

H«$. g§.

loUr Ym[aV eo`am| H$s g§»`m

eo`aYm[aVm H$m %

1 ^maV gaH$ma 182,40,31,844 80.74

2 ~r‘m H§$n{Z`m§ 19,05,01,676 8.43

3 {dXoer g§ñWmJV {Zdoe 2,79,37,286 1.24

H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18

16g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18

4 H$mnm}aoQ> {ZH$m` 2,52,95,657 1.12

5 EZ.Ama.AmB© / Amogr~r 56,06,737 0.25

6 ~¢H$ d {dÎmr` g§ñWmZ 3,84,19,247 1.70

7 å`wMwAb ’§$S> / `yQ>rAmB© 400 0.00

8 Ama.~r.AmB©., Ý`mgr Ho$ gmW n§OrH¥$V {Zdmgr d¡¶{º$H$ / EZ.~r.E’$.gr,

14,72,53,483 6.52

Hw$b 225,90,46,330 100.00

12.7 (H$) {XZm§H$ 31-03-2018 H$mo “àdV©H$ Am¡a àdV©H$ g‘yh” H$s loUr go g§~§{YV ì`{º$`m| H$s eo`aYm[aVm àX{e©V H$aZo dmbm {ddaU

H«$.g§.

eo`aYmaH$ H$m Zm‘ Ym[aV eo`a H$s g§»`m Hw$bYm[aVm H$m %

1. ^maV Ho$ amï´>n{V (^maV gaH$ma)

182,40,31,844 80.74

Hw$b 182,40,31,844 80.74

(I) {XZm§H$ 31.03.2018 H$mo OZVm H$s loUr go g§~§{YV ì`{º$`m| H$s eo`aYm[aVm Am¡a eo`am| H$s Hw$b g§»`m Ho$ 1 à{VeV go A{YH$ eo`aYm[aVm àX{e©V H$aZo dmbm {ddaU…

H«$.g§.

eo`a YmaH$m| H$s loUr Ym[aV eo`am| H$s g§»`m

eo`am| H$s Hw$b g§»`m Ho$ à{VeV Ho$ ê$n ‘| eo`a

1 ^maVr` OrdZ ~r‘m {ZJ‘ 15,52,69,698 6.87

2 ^maVr` gmYmaU ~r‘m {ZJ‘ 2,85,32,665 1.26

Hw$b 18,38,02,363 8.13

12.8 {XZm§H$ 31 ‘mM©, 2018 H$mo eo`aYm[aVm H$m {dVaU :

{ddaU eo`aYmaH$ eo`aYm[aVm

(eo`am| H$s g§»`m) g§»`m Hw$b H$m % g§»`m Hw$b H$m %

500 VH$ 206069 83.13 34625936 1.53

501-1000 20687 8.34 17325868 0.77

1001-2000 10490 4.23 16364235 0.72

2001-3000 3610 1.46 9361867 0.41

3001-4000 1725 0.70 6251979 0.28

4001-5000 1434 0.58 6825226 0.30

5001-10000 2144 0.86 16156277 0.72

10000 go A{YH$ 1724 0.70 2152134942 95.27

Hw$b 247883 100.00 2259046330 100.00

12.9 Eg EÊS> nr grEZEŠg {ZâQ>r Ho$ CVma-M‹T>md H$s VwbZm ‘| XoZm ~¢H$ Ho$ eo`a H$m {ZînmXZ {ZåZmZwgma àX{e©V h¡.

12.10. eo`a YmaH$m| Ho$ {bE gyMZm:

~¢H$ Zo {ZåZ{bpIV dfm] Ho$ {bE bm^m§e Kmo{fV {H$`m:

H«$‘ g§.

df© bm^m§e (%)

H«$‘ g§.

df© bm^m§e (%)

1 1996-1997 12% 13 2008-2009 12%

2 1997-1998 15% 14 2009-2010 20%

3 1998-1999 16% 15 2010-2011 22%

4 1999-2000 6% 16 2011-2012 30%

5 2000-2001 eyÝ` 17 2012-2013 47%

6 2001-2002 eyÝ` 18 2013-2014 (A§V[a‘)

11%

7 2002-2003 eyÝ` 19 2013-2014 (A§{V‘)

11%

8 2003-2004 eyÝ` 20 2014-2015 (A§{V‘)

9%

9 2004-2005 eyÝ` 21 2015-16 eyÝ`

10 2005-2006 eyÝ` 22 2016-17 eyÝ`

11 2006-2007 8% 23 2017-18 eyÝ`

12 2007-2008 10%

{XZm§H$ 16 Aºy$~a, 2006 H$s A{YgyMZm Ûmam ^maV gaH$ma Zo `h gy{MV {H$`m h¡ {H$ AmJo ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Am¡a A§VaU) A{Y{Z`‘, 1970/1980 ‘| g§emoYZ {H$`m J`m h¡ Am¡a ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Am¡a A§VaU) Am¡a {dÎmr` g§ñWm {Z`‘ (g§emoYZ) A{Y{Z`‘, 2006 Zm‘H$ Z`m {Z`‘ ~Zm`m h¡ Omo A{YgyMZm H$s VmarI go à^mdr h¡.

Cnamoº$ A{Y{Z`‘ H$s Ymam 10 (~r) (2) Ho$ AZwgma ~¢H$ H$mo Omar bm^m§e Cnamoº$ A{Y{Z`‘ H$s ewéAmV Ho$ nhbo, AXÎm bm^m§e go {deof ImVm ‘o§ XoZm ~¢H$ (df©) Ho$ AXÎm bm^m§e ImVm ‘| A{Y{Z`‘ H$s ewê$AmV Ho$ ~mX N>… ‘mhm| ‘|, AWm©V {XZm§H$ 16 Aºy$~a, 2006 H$mo nyU© én go `m CgH$m {hñgm A§V[aV H$aoJm. ~¢H$ Zo Cnamoº$ Amdí`H$VmAm| H$m AZwnmbZ {H$`m h¡ Am¡a AXÎm bm^m§e ImVm ‘| Cgo A§V[aV ^r {H$`m h¡.

Cnamoº$ A{Y{Z`‘ H$s Ymam 10 (~r) (1) Ho$ AZwgma, ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Am¡a A§VaU) Am¡a {dÎmr` g§ñWm {Z`‘ (g§emoYZ) A{Y{Z`‘, 2006 H$s ewê$AmV Ho$ nhbo, bm^m§e Omo {H$ VXZwénr ZE ~¢H$ Ûmam Kmo{fV {H$`m J`m hmo Am¡a dh ^wJVmZ Zm {H$`m hmo `m Kmo{fV {H$`o OmZo H$s {V{W go Vrg {XZm| VH$ AXmdmH¥$V ahm hmo, `m {H$gr eo`aYmaH$ H$mo `m Ûmam bm^m§e Ho$ ^wJVmZ àmá H$aZo Ho$ {bE hH$Xma h¡, Vmo VXZwê$nr ~¢H$ Vrg {XZm| H$s Eogr Ad{Y H$s g‘má hmoZo H$s {V{W go 7 {XZ Ho$ A§Xa bm^m§e H$s Hw$b aH$‘ Omo AXÎm h¡ `m AXmdmH¥$V h¡ “AXÎm bm^m§e ImVm” Zm‘H$ {deof ImVo ‘| A§V[aV H$aoJm. ~¢H$ Zo df© 2014-15 Ho$ bm^m§e Ho$ {bE BZ {Xem{ZXoem| H$m AZwnmbZ {H$`m h¡.

Cnamoº$ A{Y{Z`‘ H$s Ymam 10 (~r) (3) Ho$ AZwgma, Bg Ymam Ho$ AZwgaU ‘| VXZwénr ZE ~¢H$ Ûmam AXÎm bm^m§e ImVo H$mo A§V[aV H$moB© ^r YZ Omo Eogo A§VaU H$s VmarI go gmV df© H$s Ad{Y VH$ AXÎm `m AXmdmH¥$V aho Vmo Cgo Ho$Ð gaH$ma Ûmam ñWm{nV {ZdoeH$ {ejm VWm g§ajU {Z{Y H$mo VXZwê$nr ZE ~¢H$ Ûmam A§V[aV {H$`m OmEJm. VXZwgma, ~¢H$ Ûmam 2009-10 VH$ AXÎm bm^m§f ImVo ‘| nS