Abu Dhabi Commercial Bank PJSC – India Branches · (Incorporated in the U.A.E. with Limited Liability) Abu Dhabi Commercial Bank PJSC – India Branches Economic & Political Weekly

(Incorporated in the U.A.E. with Limited Liability)

Abu Dhabi Commercial Bank PJSC – India Branches

june 24, 2017 vol liI nos 25 & 26 EPW Economic & Political Weekly572

!"!#$%&'(%%)&!'&*#&+!,$(&-./& 01.2PROFIT AND LOSS ACCOUNT FOR THE YEAR

%#3%3&+!,$(&-./& 01.2

Year ended Year ended

& '4567896:& +;<45&-./& +;<45&-./

& & 01.2& 01.=

I. INCOME

!"#$%$&# '(%"$) *+ ./>?0/@@0 *,-./,+.0

1#2$% !"345$ *6 0=A/@@@& /*7,0/0

TOTAL 0/0@2/??= /,07-,+80

II. EXPENDITURE

!"#$%$&# '9:$")$) *. ./A--/2>1& *,+-.,-8+

1:$%(#;"< '9:$"&$& *7 &@10/=-=& +-6,70.

=%4>;&;4"& (") ?4"#;"<$"3;$& *- @*.A .A-/11A */.,8/-

)*)!"&&&&&&&&&& & &0/1?>/@-.& *,-B7,/07

III. PROFIT/(LOSS)

C$# =%4D# E4% #2$ F$(% .A?/@AA& *8/,*76

=%4D# G@H4&&A I%4J<2# E4%K(%) L L

)*)!"&&&&&&&&&& &&& &.A?/@AA& *8/,*76

IV. APPROPRIATIONS

M%("&E$% #4 N#(#J#4%F O$&$%>$& ->/=.@ 6+,06*

O$5;##(IP$ NJ%:PJ&

O$#(;"$) ;" !");( E4% ?OQO &..?/?@.& */B,*/+

R(P("3$ 3(%%;$) 4>$% #4

R(P("3$ N2$$# L L

)*)!"&&&&&&&&&& &&& &&.A?/@AA& *8/,*76

N;<";D3("# Q334J"#;"< :4P;3;$& *8

C4#$& #4 (334J"#& *-

M2$ (3345:("F;"< &32$)JP$& (%$ (" ;"#$<%(P :(%# 4E #2$ =%4D# (")

H4&& Q334J"#

As on As on

& '4567896:& +;<45&-./& +;<45&-./

& & 01.2& 01.=

CAPITAL AND LIABILITIES

?(:;#(P * &0/.21/.?2 /,*80,*-8

O$&$%>$& (") NJ%:PJ& / &&./=2A/...& *,.*7,7.7

S$:4&;#& + 0?/-2@/.>@ /0,-+7,0B0

R4%%4K;"<& 6 ./=A2/111 *,+//,0B7

1#2$% H;(I;P;#;$& (") =%4>;&;4"& . ?2@/>A.& *,0-.,-6/

)*)!"& & -@/2A./@@-& /7,B+0,-8*

ASSETS

?(&2 (") R(P("3$& K;#2

O$&$%>$ R("T 4E !");( 7 ./.A=/>-@&& 88.,70+

R(P("3$& K;#2 R("T& (") U4"$F

(# ?(PP (") N24%# C4#;3$ 8 0/2??/11> /,/8B,8+8

!">$&#5$"#& - =/?@>/@.1 +,0-7,*/8

Q)>("3$& B 0-/.1?/.-?& *B,B76,8.0

V;9$) Q&&$#& *0 &>-/=-=& -B,B*/

1#2$% Q&&$#& ** 2AA/-.=& 8+6,86/

TOTAL &-@/2A./@@-& /7,B+0,-8*

?4"#;"<$"# H;(I;P;#;$& */ ../202/?.? *B,087,8++

R;PP& E4% ?4PP$3#;4" ./==0/.12& *,/07,B-B

N;<";D3("# Q334J"#;"< :4P;3;$& *8

C4#$& #4 (334J"#& *-

M2$ (3345:("F;"< &32$)JP$& (%$ (" ;"#$<%(P :(%# 4E #2$

R(P("3$ N2$$#

(Rs ‘000s) (Rs ‘000s)

Q& :$% 4J% %$:4%# 4E $>$" )(#$

V4% (") 4" I$2(PE 4E

C N K & Associates LLP ABU DHABI COMMERCIAL BANK PJSC - INDIA BRANCHES

Chartered Accountants

V;%5 O$<W C4X *0*B7*Y G YZ*000+7

N)GZ N)GZ

Manish Sampat Darayus P. Bajan

=(%#"$% ?2;$E '9$3J#;>$ 1ED3$% Z !");(

U$5I$%&2;: C4W*0*7-6

UJ5I(;

/- [J"$ /0*8



Economic & Political Weekly EPW june 24, 2017 vol liI nos 25 & 26 573

$!'(&B"*C&')!)%+%#)&B*,&)(%&D%!,&%#3%3&+!,$(&-./&01.2

(Rs. ‘000s)

Year ended Year ended +;<45&-./&01.2 U(%32 +*, /0*7 $;:5&EFG:&H<FI&FJ6<;KLMN&;4KLOLKL6:& & &

C$# =%4D#G@H4&&A I$E4%$ #(9 +06,B/- /--,B+7

Adjustment for : V4%$;<" '932("<$ @\(;"AGH4&& &.@/>-1& @*0,+B.AH4"< #$%5 O$#$"#;4" ?4&# &?/2?0& 8,*8* S$:%$3;(#;4" 32(%<$ E4% #2$ F$(% &.A/>AA& */,-.6 S$:%$3;(#;4" 4" ;">$&#5$"#& – L =%4>;&;4" E4% Q)>("3$& &../A10& -,B.7 1#2$% =%4>;&;4"& – L =%4D# 4" &(P$ 4E D9$) (&&$#& &P?1Q L H4&& 4" &(P$ 4E D9$) (&&$#& &@?& *.+ !"#$%$&# 4" ]MU ;">$&#5$"# &$3J%;#;$& &P01@/2A2Q @*6B,8-*A

& &.A./-1?&& *.8,-B. Adjustments for :

@!"3%$(&$AGS$3%$(&$ ;" M$%5 =P(3$5$"#& &A11/111& *,.00,000 @!"3%$(&$AGS$3%$(&$ ;" !">$&#5$"#& @$93PJ);"< ]MU &$3J%;#;$&A &P0/@=>/A.=Q /B+,6.6 @!"3%$(&$AGS$3%$(&$ ;" Q)>("3$& &P-/.@-/-??Q @/,607,-0BA!"3%$(&$G@S$3%$(&$A ;" R4%%4K;"<& &P>>0/1>=Q @BB0,606A!"3%$(&$G@S$3%$(&$A ;" S$:4&;#& &2/A-?/.1@& *,*B*,687 @!"3%$(&$AGS$3%$(&$ ;" 1#2$% Q&&$#& &A./.1>& **-,B*. !"3%$(&$G@S$3%$(&$A ;" 1#2$% P;(I;P;#;$& (") :%4>;&;4"& &P0@=/.1AQ @*+,-*0A

&./0-?/.1?&& @+08,*8BA!"345$ M(9 @:(;)AG%$EJ") %$3$;>$) &P.-2/?=2Q @*80,600A

Net cash generated from/(used in) operating activities !& &./0A./A@>& @+*B,7-6A

$;:5&B9FG:&H<FI&LMO6:KLMN&;4KLOLKL6:& & &

!"#$%$&# %$3$;>$) 4" ]MU ;">$&#5$"# &$3J%;#;$& &.0@/@=?& B-,*06 @!"3%$(&$AGS$3%$(&$ ;" !">$&#5$"#& @]MU &$3J%;#;$&A &P./0>-/2=2Q @+B,**/A=J%32(&$ 4E D9$) (&&$#& &P.>/2-0Q @/*,68*A=%43$$)& E%45 &(P$ 4E D9$) (&&$#& &?=& 6.

#6K&4;:5&N6M6<;K67&H<FIRP8:67&LMQ&LMO6:KLMN&;4KLOLKL6:& & &P./.??/>@AQ +8,.77

$;:5&B9FG:&H<FI&SM;M4LMN&;4KLOLKL6:& & &

!"EJ&;4" 4E VJ")& E%45 ]$() 1ED3$ – L

#6K&4;:5&EFG:&N6M6<;K67&H<FI&SM;M4LMN&;4KLOLKL6:& $& &T&&&& &T&&&

#6K&LM4<6;:6RP764<6;:6Q&LM&4;:5&;M7&4;:5&6U8LO;96MK:&P!V V$Q& & &=0/=1@& @/-/,**-A

?(&2 (") ?(&2 '^J;>(P$"#& (# #2$ I$<;"";"< 4E #2$ F$(% &0/AAA/-->& /,-+8,6.8 ?(&2 (") ?(&2 '^J;>(P$"#& (# #2$ $") 4E #2$ F$(% _ &0/=.2/>@-& /,...,++B

@C4#$X ?(&2 (") ?(&2 '^J;>(P$"#& %$:%$&$"#& ?(&2 (") R(P("3$ K;#2 &0/=.2/>@-& /,...,++B

O$&$%>$ R("T 4E !");( (") R(P("3$& K;#2 R("T& (") U4"$F (# ?(PP (") N24%# "4#;3$A – L

_ ?(&2 (") ?(&2 $^J;>(P$"# ;"3PJ)$& ?OO I(P("3$ 5(;"#(;"$) K;#2 OR! 4E O&W -7+,++0 GL #24J&(") @=%$>;4J& F$(% O&W 88*,/7-GL #24J&(")A

,64FM4L9L;KLFM&FH&$;:5&;M7&$;:5&%U8LO;96MK:&GLK5& ;9;M46&:566K& & &

N32$)JP$ 7 L ?(&2 (") R(P("3$& K;#2 O$&$%>$ R("T 4E !");( &./.A=/>-@& 88.,70/ N32$)JP$ 8 L R(P("3$& K;#2 R("T& (") U4"$F (# ?(PP (") N24%# C4#;3$ &0/2??/11> /,/8B,8+8 N2$)JP$ - L !">$&#5$"#& – L H$&& X !">$&#5$"#& 54%$ #2(" B0 )(F& – L H$&& X H$");"< 4%;<;"(P 5(#J%;#F 54%$ #2(" B0 )(F& – @.00,000AH$&& X R4%%4K;"< 4%;<;"(P 5(#J%;#F P$&& #2(" B0 )(F& &P./-02/111Q L

$;:5&W&$;:5&%U8LO;96MK:&;:&J6<&$;:5EFG&:K;K6I6MK &0/=.2/>@-& /,...,++B

Q& :$% 4J% %$:4%# 4E $>$" )(#$

V4% (") 4" I$2(PE 4E

C N K & Associates LLP ABU DHABI COMMERCIAL BANK PJSC – INDIA BRANCHES Chartered Accountants V;%5 O$<W C4X *0*B7*YGYL*000+7

N)GZ N)GZManish Sampat Darayus P. Bajan =(%#"$% ?2;$E '9$3J#;>$ 1ED3$% L !");(U$5I$%&2;: C4W*0*7-6

UJ5I(; /- [J"$ /0*8




As on Q& 4"

& +;<45&-./& U(%32 +*,

01.2& /0*7

SCHEDULE 1 - CAPITAL

I. Capital

;A 1:$";"< R(P("3$ &0/.21/.?2 /,*80,*-8 ;;A ?(:;#(P !"EJ&;4" )J%;"< #2$ F$(% – L

0/.21/.?2 /,*80,*-8

)*)!"&& &&0/.21/.?2& /,*80,*-8

!!W Q54J"# @V(3$ (PJ$A 4E S$:4&;# T$:# ;" #2$ E4%5 4E &$3J%;#;$& K;#2 #2$ O$&$%>$ R("T 4E !");( JG& ** @/A @IA 4E #2$ R("T;"< O$<JP(#;4" Q3#, *B6B =11/111 ..0,000

'$(%3X"%&0&Y&,%'%,Z%'&!#3&

SURPLUS

I. Statutory Reserves ;A 1:$";"< R(P("3$ &@?>/@0-& 667,+-/ ;;A Q));#;4"& )J%;"< #2$ F$(% ->/=.@ 6+,06*

A0>/1-2& 6-B,6/+

II. Capital Reserves

;A R(P("3$ (& :$% P(&# R(P("3$ N2$$# .@/2..& *6,8** ;;A Q));#;4"& )J%;"< #2$ F$(% – L

.@/2.. *6,8**

III. Investment Reserve Account ;A 1:$";"< R(P("3$ ./A?> *,.-B ;;A Q));#;4"& )J%;"< #2$ F$(% L L

./A?> *,.-B

IV. Remittable Surplus retained in

India for CRAR ;A 1:$";"< R(P("3$ ?2>/-2@& 8.0,/.* ;;A Q));#;4"& )J%;"< #2$ F$(% ..?/?@.& */B,*/+

&>>?/0.A& -8B,+86

V. Revenue and Other Reserves ;A 1:$";"< R(P("3$ .-./AA>& *+*,..B ;;A Q));#;4"& )J%;"< #2$ F$(% L L

.-./AA> *+*,..B

Z[\&& ;9;M46&LM&]<FSK&;M7&"F::&!44F8MK – L

)*)!"&& &./=2A/... *,.*7,7.7

SCHEDULE 3 - DEPOSITS

A) I. Demand Deposits ;A V%45 I("T& .@-/.A@& *.B,66- ;;A V%45 4#2$%& -/121/-?1& /,.8-,/--

&-/0.-/A-@& /,8+8,8+7

[[\&& ';OLMN:& ;M^&36JF:LK:& &&2-0/?1-& -66,000

III. Term Deposits ;A V%45 I("T& A11/111 L ;;A V%45 4#2$%& &0-/>02/?A2& *8,/.6,+.6

0@/@02/?A2& *8,/.6,+.6

)*)!"&&&&&&& &0?/-2@/.>@& /0,-+7,0B0

Q&& [\&& 36JF:LK:&FH&_<;M456:&LM&[M7L;& &0?/-2@/.>@& /0,-+7,0B0 II. Deposits of branches

outside India – L

)*)!"&&& &0?/-2@/.>@& /0,-+7,0B0

(Rs ‘000s) (Rs ‘000s)

'$(%3X"%'&B*,+[#`&]!,)&*B&)(%& !"!#$%&'(%%)&!'&*#&+!,$(&-./& 01.2

As on Q& 4"

& +;<45&-./& U(%32 +*,

01.2& /0*7

SCHEDULE 4 - BORROWINGS

&[\&& F<<FGLMN:&LM&[M7L;

;A O$&$%>$ R("T 4E !");( – L ;;A 1#2$% I("T& -=1/111 .0,000 ;;;A 1#2$% ;"&#;#J#;4"& (") (<$"3;$& L L

[[\&& F<<FGLMN:&F8K:L76&[M7L;& ./0>2/111& *,/8/,0B7

TOTAL (I & II) ./=A2/111& *,+//,0B7

'648<67& F<<FGLMN:&LM498767&

in I & II above – L

'$(%3X"%&A&Y&*)(%,&

LIABILITIES AND PROVISIONS

I. R;PP& :(F(IP$ ?0/=.A& 7-,7-+ II. !"#$%Z1ED3$ ()aJ&#5$"#& @C$#A – LIII. !"#$%$&# (33%J$) -0./A22& +8+,-86 IV. S$E$%%$) M(9 H;(I;P;#F @C$#A – L V. 1#2$%& b;"3PJ)$& :%4>;&;4" #4K(%)& &@21/2A> 76+,/-. &#(")(%) (&&$#& (") c"2$)<$) V4%$;<" ?J%%$"3F '9:4&J%$ O&W BB,-00 #24J&(") @:%$>;4J& F$(% O&W B0,000 #24J&(")Ad

TOTAL (I to V) &?2@/>A. *,0-.,-6/

'$(%3X"%&=&Y&$!'(&!#3&

BALANCES WITH RESERVE

BANK OF INDIA

[\& $;:5&LM&5;M7&& =/-1.& 6,7B/ @;"3PJ);"< E4%$;<" 3J%%$"3F "4#$&A

[[\& ;9;M46:&GLK5&,6:6<O6& ;M^&

of India

;A !" ?J%%$"# Q334J"# &./.A1/=--&& 880,B** ;;A !" 1#2$% Q334J"#& – L

TOTAL (I & II) &./.A=/>-@&& 88.,70+

'$(%3X"%&2&Y& !"!#$%'&C[)(&

BANKS AND MONEY AT

CALL & SHORT NOTICE

I. In India

& LQ&& ;9;M46:&GLK5&_;M^:&

(A !" ?J%%$"# Q334J"#& .=/102 */,BB*

IA !" 1#2$% S$:4&;# Q334J"#& – .00,000

ii) Money at call and short notice

(A Y;#2 I("T& >A1/111 +*0,000

IA Y;#2 4#2$% ;"&#;#J#;4"& – L

TOTAL &>==/102 -//,BB*

II. Outside India

;A !" ?J%%$"# Q334J"#& .1-/@A2 +7+,.+-

;;A !" 1#2$% S$:4&;# Q334J"#& – L

;;;A U4"$F (# 3(PP (") &24%# "4#;3$ &./2.?/A0A& *,0B+,/0-

TOTAL ./?0./>?0 *,6.7,867

TOTAL (I & II) 0/2??/11> /,/8B,8+8




As on Q& 4" & +;<45&-./& U(%32 +*, 01.2& /0*7

'$(%3X"%&.1&Y&B[a%3&!''%)'

I. Premises

;A Q# 34&# (& 4" U(%32 +* 4E #2$ preceding year A=/A2= .7,.87 ;;A Q));#;4"& )J%;"< #2$ F$(% – L ;;;A S$)J3#;4"& )J%;"< #2$ F$(% – L ;>A S$:%$3;(#;4" #4 )(#$ P.=/=?=Q @*.,876A

TOTAL ->/?>1& 60,-*/

II. Other Fixed Assets (including

& H8<MLK8<6&;M7&SbK8<6:Q

;A Q# 34&# (& 4" U(%32 +* 4E #2$ preceding year ..@/0?- --,0-/ ;;A Q));#;4"& )J%;"< #2$ F$(% .@/@A-& /8,B87 ;;;A S$)J3#;4"& )J%;"< #2$ F$(% &P>..Q @*,88.A ;>A S$:%$3;(#;4" #4 )(#$ P>0/-.=Q @8-,*6*A

)*)!"&& -A/A1>& +7,*6/

[[[\&& $;JLK;9&CF<^&LM&]<FN<6::&& .?/0-2& */,B.-

GRAND TOTAL (I to III) >-/=-=& -B,B*/

SCHEDULE 11 - OTHER ASSETS

!W !"#$%Z4ED3$ ()aJ&#5$"#&@"$#A L L!!W !"#$%$&# (33%J$) >1/?1A .7,-/8 !!!W M(9 :(;) ;" ()>("3$G#(9 )$)J3#$) (# &4J%3$ @"$# 4E :%4>;&;4"&A .0=/01? *+7,+6- ! W N#(#;4"$%F (") &#(5:& – 1

W S$E$%%$) M(9 Q&&$# @C$#A @O$E$% "4#$ 60 4E N32$)JP$ *-A .0=/-A0 */6,-*- `!W 1#2$%& @../>A. 6*7,86-

TOTAL (I to VI) 2AA/-.= 8+6,86/

'$(%3X"%&.0&Y&$*#)[#`%#)&

LIABILITIES

!W ?P(;5& (<(;"&# #2$ I("T "4# (3T"4KP$)<$) (& )$I#& ?./@22 -*,688!!W H;(I;P;#F 4" (334J"# 4E 4J#&#(");"< E4%K(%) $932("<$ 34"#%(3#& @;"3PJ);"< N:4# ?4"#%(3#&A & 2/?0./A01& *.,0/*,+70 !!!W \J(%("#$$& <;>$" 4" I$2(PE 4E 34"&#;#J$"#&X (A !" !");( >>A/>2@& *,0/*,+8+ IA 1J#&;)$ !");( 0/A12/==1& /,7BB,/6/ ! W Q33$:#("3$&, $")4%&$5$"#& (") 4#2$% 4IP;<(#;4"& -12/=A> /60,8.0

W 1#2$% ;#$5& E4% K2;32 #2$ R("T ;& 34"#;"<$"#PF P;(IP$X

*W !"345$ #(9 G !"#$%$&# #(9 );&:J#$) (") ;" (::$(P "4# :%4>;)$) E4% ;& $&#;5(#$) (# L L /W M%("&E$% #4 S$:4&;#4% ')J3(#;4" (") QK(%$"$&& VJ") @S'QVA .-/A0? */,.+*

TOTAL &../202/?.? *B,087,8++

As on Q& 4" & +;<45&-./& U(%32 +*, 01.2& /0*7

'$(%3X"%&?&Y&[#Z%')+%#)'

I. Investments in India (Book Value) &=/?@>/@.1 +,*06,//8

Less: Provision for Depreciation L @*-,*00A

Net Investments in India =/?@>/@.1 +,0-7,*/8

Break-up: -

;A \4>$%"5$"# &$3J%;#;$& =/?@>/@.1&& +,0-7,*/8

;;A 1#2$% (::%4>$) &$3J%;#;$& – L

;;;A N2(%$& @"$# 4EE :%4>;&;4"&A – L

;>A S$I$"#J%$& (") R4")& – Z

>A NJI&;)(%;$& (")G4% [4;"# $"#J%$& – L

>;A 1#2$%& – L

)*)!"&&& =/?@>/@.1&& +,0-7,*/8

II. Investments outside India – L

TOTAL (I +II) =/?@>/@.1 +,0-7,*/8

@O$E$% C4#$ *- #4 // 4E N32$)JP$ *-A

'$(%3X"%&>&Y&!3Z!#$%'

QA ;A R;PP& :J%32(&$) (")

);&34J"#$) ee @/1==/.?0 -,BB8,+*+

;;A ?(&2 3%$);#&, 4>$%)%(E#& (")

P4("& %$:(F(IP$ 4" )$5(") >/?1=/@@0 +,676,*+-

;;;A M$%5 P4("& >/0-A/A.@ 8,.0+,/BB

)*)!"&& 0-/.1?/.-? *B,B76,8.0

RA ;A N$3J%$) IF #("<;IP$ (&&$#&_ .-/.AA/A.A& .,-B7,6+/

;;A ?4>$%$) IF R("TG

\4>$%"5$"# \J(%("#$$&__ 0/010/=>> *,708,/-.

;;;A c"&$3J%$) ee 2/2@>/>0@ */,67*,0++

)*)!"&& 0-/.1?/.-?& *B,B76,8.0

?A !W Q)>("3$& ;" !");(

;A =%;4%;#F N$3#4%& @/==2/@A- +,8*7,7*7

;;A =JIP;3 N$3#4% – L

;;;A R("T& -/?1?/1=2 -,8.0,000

;>A 1#2$%& .@/=-0/=.?& 8,6B-,*+6

)*)!"&& 0-/.1?/.-? *B,B76,8.0

!!W Q)>("3$& 4J#&;)$ !");( – L

TOTAL 0-/.1?/.-? *B,B76,8.0

ee !"3PJ)$& R;PP& O$);&34J"#;"< 4E

O&W +,-0-,077 #24J&(") @=%$>;4J& f$(%

O&W -,8.0,000 #24J&(")A

_ !"3PJ)$& ()>("3$& (<(;"&# R44T )$I#&

__ !"3PJ)$& ()>("3$& (<(;"&# H$##$% 4E

?%$);# (") N#(")IF H$##$%

4E ?%$);# ;&&J$) IF R("T&

(Rs ‘000s) (Rs ‘000s)

'$(%3X"%'&B*,+[#`&]!,)&*B&)(%& !"!#$%&'(%%)&!'&*#&+!,$(&-./& 01.2




(Rs ‘000s) (Rs ‘000s)


& +;<45&-./& U(%32 +*,

01.2& /0*7

SCHEDULE 13 – INTEREST

EARNED

!W !"#$%$&#G);&34J"# 4" ()>("3$&GI;PP& &./00=/A?2& *,/*8,0.-

!!W !"345$ 4" ;">$&#5$"#& @-?/..>& +B8,+*.

!!!W !"#$%$&# 4" I(P("3$& K;#2 O$&$%>$

R("T 4E !");( (") 4#2$%

;"#$%ZI("T EJ")& -1?/-?2 /+8,8.*

! W 1#2$%& >/-@> //7

)*)!"&P[&KF&[ZQ&&& ./>?0/@@0 *,-./,+.0

SCHEDULE 14 - OTHER INCOME

!W ?455;&&;4", $932("<$

(") I%4T$%(<$ &@@/=1> 68,B*7

!!W =%4D#G@H4&&A 4" &(P$G

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H$&&X H4&& 4" &(P$G%$)$5:#;4"

4E ;">$&#5$"#& – L

!!!W =%4D#G@H4&&A 4" %$>(PJ(#;4"

4E ;">$&#5$"#& – L

! W =%4D#G@H4&&A 4" &(P$ 4E P("),

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W C$# :%4D# 4" $932("<$ #%("&(3#;4"& .-2/=>= *.7,0/6

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'$(%3X"%'&B*,+[#`&]!,)&*B&)(%&],*B[)&!#3&"*''&!$$*X#)&B*,&)(%&D%!,&%#3%3&+!,$(&-./&01.2


& +;<45&-./& U(%32 +*,

01.2& /0*7

'$(%3X"%&.A&Y&[#)%,%')&

EXPENDED

!W !"#$%$&# 4" )$:4&;#& ./02@/2=@ B-8,770

!!W !"#$%$&# 4" O$&$%>$ R("T 4E

!");( (") !"#$%ZI("T I4%%4K;"<& &-2/>== *.,-7/

!!!W 1#2$%& @!"3PJ)$& (54%#;g(#;4" 4E

:%$5;J5 4" &K(:& J")$%#(T$" #4

2$)<$ #2$ V?CO@RA )$:4&;#&A 00./1=1& +-/,+.*

TOTAL (I to III) ./A--/2>1 *,+-.,-8+

'$(%3X"%&.=&Y&*]%,!)[#`&

EXPENSES

!W =(F5$"#& #4 (") :%4>;&;4"& E4%

$5:P4F$$& 00=/@A=& /*6,.0/

!!W O$"#, #(9$& (") P;<2#;"< &--/1-A& +*,07-

!!!W =%;"#;"< (") &#(#;4"$%F &./>02& /,07/

! W Q)>$%#;&$5$"# (") :JIP;3;#F &0/1>@& *,-B/

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`!W QJ);#4%&h E$$& (") $9:$"&$& &./.0A& B/.

`!!W H(K 32(%<$& &@/01@ +,+06

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i!W ?4%:4%(#$ N43;(P O$&:4"&;I;P;#F &@/A-0& 6,8B*

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@;"3PJ)$& M$32";3(P (")

?4"&JP#("3F N$%>;3$& O&W /.,B+6

#24J&(") :%$>;4J& F$(%

O&W 66,0/7 #24J&(")A

TOTAL (I to XII) @10/=-=& +-6,70.

'$(%3X"%& .2& Y& !$$*X#)[#`& ]*"[$[%'& B*,+[#`& ]!,)& *B& )(%& !$$*X#)'& B*,& )(%& D%!,& %#3%3&+!,$(&-./&01.2

I. BACKGROUND

M2$ (3345:("F;"< D"("3;(P &#(#$5$"#& 345:%;&$ #2$ (334J"#& 4E #2$ !");( I%("32$& 4E QIJ S2(I; ?455$%3;(P R("T =[N? @%$E$%%$) #4 (& j#2$ R("ThA, K2;32 ;& ;"34%:4%(#$) (") %$<;&#$%$) ;" #2$ c";#$) Q%(I '5;%(#$& K;#2 P;5;#$) P;(I;P;#FW

II. ACCOUNTING POLICIES

1. Accounting Convention

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jQ3#hA %$() K;#2 OJP$ 8 4E #2$ ?45:(";$& @Q334J"#A OJP$&, /0*6 (") :%(3#;3$& <$"$%(PPF :%$>(P$"# ;" #2$ I("T;"< ;")J&#%F ;" !");(W M2$ R("T E4PP4K& #2$ (33%J(P 5$#24) 4E (334J"#;"<, $93$:# K2$%$ 4#2$%K;&$ &#(#$), (") #2$ 2;&#4%;3(P 34&# 34">$"#;4"W

0\& X:6&FH&%:KLI;K6:

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g$) :%4&:$3#;>$PF ;" #2$ D"("3;(P &#(#$5$"#&W

3. Transactions Involving Foreign Exchange and Derivatives

3.1 V4%$;<" ?J%%$"3F Q&&$#&, H;(I;P;#;$& (") ?4"#;"<$"# H;(I;P;#;$& 4" (334J"# 4E <J(%("#$$&, (33$:#("3$&, $")4%&$5$"#& (") 4#2$% 4J#&#(");"< (%$ #%("&P(#$) (# #2$ I(P("3$ &2$$# )(#$ (# %(#$& "4#;D$) IF #2$ V4%$;<" '932("<$ S$(P$%&h Q&&43;(#;4" 4E !");( @V'SQ!AW V4%$;<" '932("<$ =4&;#;4"& ;"3PJ);"< &:4# (") E4%K(%) 34"#%(3#& @4#2$% #2(" 2$)<;"< 34"#%(3#&A (%$ %$>(PJ$) 54"#2PF (# #2$ %(#$& "4#;D$) IF #2$ V'SQ!W M2$ %$&JP#("# <(;" 4% P4&& ;& %$34<";g$) ;" #2$ =%4D# (") H4&& Q334J"#W




-\0 !#$5& 4E !"345$ (") '9:$");#J%$ ;" E4%$;<" 3J%%$"3F (%$ #%("&P(#$) (# #2$ $932("<$ %(#$& :%$>(;P;"< 4" #2$ )(#$ 4E #2$ #%("&(3#;4"&W

3.3 !" 3(&$ 4E E4%$;<" 3J%%$"3F )$:4&;#&, K2;32 2(>$ I$$" &K(::$), #2$ &K(: 34&# ;& #%$(#$) (& !"#$%$&# 34&# (") (54%#;g$) 4>$% #2$ :$%;4) 4E #%("&(3#;4"& (& :$% Q334J"#;"< N#(")(%) @QNA ** jM2$ $EE$3# 4E 32("<$& ;" V4%$;<" '932("<$ %(#$&hW

3.4 !" %$&:$3# 4E )$%;>(#;>$ #%("&(3#;4"&, ("F 4>$%)J$ %$3$;>(IP$& %$:%$&$"#;"< :4&;#;>$ U(%T$) #4 U(%T$# @UMUA >(PJ$ )J$ #4 #2$ R("T, K2;32 %$5(;"& J":(;) E4% ( :$%;4) 4E B0 )(F& E%45 #2$ &:$3;D$) )J$ )(#$ E4% :(F5$"#, (& K$PP (& #2$ %$34<";g$) :4&;#;>$ UMU ;" %$&:$3# 4E EJ#J%$ %$3$;>(IP$&, (& :$% OR! \J;)$P;"$& (%$ %$>$%&$) E%45 #2$ =%4D# k H4&& Q334J"#W

4. Investments

@\.& $9;::LS4;KLFM

!" (334%)("3$ K;#2 #2$ <J;)$P;"$& E4% ;">$&#5$"#& P(;) )4K" IF #2$ O$&$%>$ R("T 4E !");( @OR!A, #2$ R("T 3P(&&;D$& ;#& ;">$&#5$"#& ;"#4 #2$ E4PP4K;"< 3(#$<4%;$&X

;W ]$P) #4 U(#J%;#F

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@\0& Z;98;KLFM

@\0\.& (697&KF&+;K8<LKc

!">$&#5$"#& J")$% #2;& 3(#$<4%F (%$ 3(%%;$) (# (3^J;&;#;4" 34&#, J"P$&& #2$F (%$ 54%$ #2(" #2$ E(3$ >(PJ$, ;" K2;32 3(&$ #2$ :%$5;J5 ;& (54%#;g$) 4>$% #2$ :$%;4) %$5(;";"< #;PP 5(#J%;#FW S;5;"J#;4" 4#2$% #2(" #$5:4%(%F, ;E ("F, ;" #2$ >(PJ$ 4E &J32 ;">$&#5$"# ;& )$#$%5;"$) (") :%4>;)$) E4% 4" $(32 ;">$&#5$"# ;");>;)J(PPFW

!">$&#5$"#& #%("&E$%%$) E%45 QVNG]VM #4 ]MU 3(#$<4%F (%$ >(PJ$) (# P4K$% 4E (3^J;&;#;4" 34&#, I44T >(PJ$ 4% 5(%T$# >(PJ$ 4" #2$ )(#$ 4E #%("&E$% (") #2$ )$:%$3;(#;4", ;E ("F, 4" &J32 #%("&E$% ;& :%4>;)$) E4% (& :$% OR! <J;)$P;"$&W M2$&$ ;">$&#5$"#& (%$ >(PJ$) "$# 4E )$:%$3;(#;4" J"P$&& #2$ &(5$ ;& 2;<2$% #2(" #2$ E(3$ >(PJ$ ;" K2;32 3(&$ #2$ $93$&& ;& (54%#;g$) 4>$% #2$ :$%;4) %$5(;";"< #;PP 5(#J%;#FW

@\0\0& !O;L9;_96&HF<&';96&;M7&(697&HF<&)<;7LMN

!">$&#5$"#& J")$% #2$&$ 3(#$<4%;$& ;"3PJ);"< $^J;#F &2(%$& $93$:# E4% M%$(&J%F R;PP& (%$ 5(%T$) #4 5(%T$#W C$# (::%$3;(#;4", ;E ("F, J")$% $(32 4E #2$ &;9 3P(&&;D3(#;4"& J")$% K2;32 ;">$&#5$"#& (%$ :%$&$"#$) ;" #2$ R(P("3$ N2$$#, ;& ;<"4%$) (") "$# )$:%$3;(#;4" ;& :%4>;)$) E4% 3(#$<4%F K;&$W !" ());#;4", EJ%#2$% :%4>;&;4" ;& 5()$ E4% )$:%$3;(#;4" I(&$) 4" 5("(<$5$"#h& $&#;5(#$ 4E :4#$"#;(P )$:%$3;(#;4" ;E %$^J;%$)W M%$(&J%F R;PP& (%$ >(PJ$) (# 3(%%F;"< 34&#W

4.3 ?4&# 4E !">$&#5$"#& $93PJ)$& I%4T$" :$%;4) ;"#$%$&# :(;) 4" (3^J;&;#;4" 4E !">$&#5$"#& K2;32 ;& 32(%<$) #4 =%4D# (") H4&& Q334J"#W

4.4 M2$ 5(%T$# >(PJ$ 4E ;">$&#5$"#& ;& (&3$%#(;"$) I(&$) 4" #2$ :%;3$ 4E &$3J%;#F (& (>(;P(IP$ E%45 #2$ #%()$&G^J4#$& 4" #2$ N#43T '932("<$ 4% :%;3$& )$3P(%$) IF #2$ =%;5(%F S$(P$%& Q&&43;(#;4" 4E !");( @=SQ!A a4;"#PF K;#2 #2$ V;9$) !"345$ U4"$F U(%T$# (") S$%;>(#;>$& Q&&43;(#;4" 4E !");( @V!UUSQAW

@\A U(%T$# >(PJ$ 4E ;">$&#5$"#&, K2$%$ 3J%%$"# ^J4#(#;4"& (%$ "4# (>(;P(IP$ ;& )$#$%5;"$) (& :$% #2$ "4%5& P(;) )4K" IF #2$ OR! K2;32 (%$ (& J")$%X

@\A\. `(PJ$ 4E J"^J4#$) \4>$%"5$"# &$3J%;#;$& ;& )$%;>$) I(&$) 4" #2$ F;$P)Z#4 5(#J%;#F @fMUA %(#$ E4% \4>$%"5$"# &$3J%;#;$& 4E $^J;>(P$"# 5(#J%;#F :J# 4J# IF V!UUSQG=SQ!W

@\A\0 `(PJ$ 4E J"^J4#$) I4")&, )$I$"#J%$& (") :%$E$%$"3$ &2(%$& K2$%$ ;"#$%$&#G);>;)$") ;& %$3$;>$) %$<JP(%PF, ;& )$%;>$) I(&$) 4" #2$ fMU %(#$ E4% \4>$%"5$"# &$3J%;#;$& (& &J;#(IPF 5(%T$) J: E4% 3%$);# %;&T (::P;3(IP$ #4 #2$ 3%$);# %(#;"< 4E #2$ ;"&#%J5$"#W

@\A\- `(PJ$ 4E J"^J4#$) I4")&, :%$E$%$"3$ &2(%$&, $^J;#F &2(%$& (") )$I$"#J%$& K2$%$ );>;)$")G;"#$%$&# ;& "4# %$3$;>$) %$<JP(%PF, ;& )$%;>$) 4" #2$ I(&;& 4E >(PJ(#;4" (") :%4>;&;4";"< "4%5& :%$&3%;I$) IF #2$ OR!W

@\= O$:4GO$>$%&$ %$:4 #%("&(3#;4"& @;"3PJ);"< J")$% H;^J;);#F Q)aJ&#5$"# V(3;P;#F @HQVA K;#2 OR!A ;E ("F, (%$ (334J"#$) E4% (& 34PP(#$%(P;g$) P$");"< (") I4%%4K;"< #%("&(3#;4"& ;" (334%)("3$ K;#2 OR! <J;)$P;"$& (") 34%%$&:4");"<PF #2$ $9:$"&$ (") ;"345$ #2$%$4" ;& #%$(#$) (& ;"#$%$&#W

A\& !7O;M46:

A\. Q)>("3$& (%$ 3P(&&;D$) ;"#4 :$%E4%5;"< (") "4"Z:$%E4%5;"< (& :$% #2$ :%J)$"#;(P "4%5& 4" (&&$# 3P(&&;D3(#;4" P(;) )4K" IF #2$ OR!W N:$3;D3 :%4>;&;4" E4% jC4" =$%E4%5;"< Q)>("3$&h ;& 5()$ 4" #2$ I(&;& 4E :%4>;&;4";"< %$^J;%$5$"# J")$% #2$ :%J)$"#;(P "4%5& (& P(;) )4K" IF #2$ OR!, (") ;& )$)J3#$) E%45 Q)>("3$&W \$"$%(P :%4>;&;4"& 4" lN#(")(%) Q&&$#&m (") E4% l?4J"#%F O;&Tm (# %(#$& &:$3;D$) IF OR! (%$ ;"3PJ)$) ;" j1#2$% H;(I;P;#;$& (") =%4>;&;4"&hW M2;& <$"$%(P :%4>;&;4" (P&4 34>$%& #2$ :%4>;&;4";"< %$^J;%$5$"# #4K(%)& c"Z2$)<$) E4%$;<" 3J%%$"3F $9:4&J%$& ;"#%4)J3$) >;)$ OR!h& ?;%3JP(% SR1S C4WR=WR?W-.G/*W07W/00G/0*+Z*6 )(#$) *.#2 [("J(%F /0*6 $EE$3#;>$ *&# Q:%;P /0*6W

A\0 =%4>;&;4" 4" P4("& (") ()>("3$& %$&#%J3#J%$)G%$&32$)JP$) ;& 5()$ ;" (334%)("3$ K;#2 #2$ (::P;3(IP$ OR! <J;)$P;"$& 4" %$&#%J3#J%;"< 4E #2$ P4("& (") ()>("3$& IF R("T&W

A\- !" ());#;4" #4 #2$ :%4>;&;4" 5()$ (& :$% :(%( .W* (I4>$, EJ%#2$% :%4>;&;4" ;& 5()$ E4% jC4" =$%E4%5;"< Q)>("3$&h I(&$) 4" U("(<$5$"#h& $&#;5(#$ 4E :4#$"#;(P $9:4&J%$, K2$%$>$% "$3$&&(%FW

=\& BLb67&!::6K:

=\. V;9$) (&&$#& (%$ &#(#$) (# 2;&#4%;3(P 34&# P$&& (33J5JP(#$) )$:%$3;(#;4"W ?4&# 345:%;&$& #2$ :J%32(&$ :%;3$ (") 4#2$% (##%;IJ#(IP$ 34&# 4E I%;"<;"< #2$ (&&$# #4 ;#& K4%T;"< 34");#;4" (") E4% ;#& ;"#$")$) J&$W




=\0 S$:%$3;(#;4" 4" (&&$#& ;& :%4>;)$) I(&$) 4" #2$ J&$EJP P;E$ 4E #2$ (&&$#&W S$:%$3;(#;4" 4" (&&$#& ;& 32(%<$) (# %(#$& (& &24K" I$P4K K2;32 (%$ 2;<2$% #2(" 4% $^J(P #4 #2$ 5;";5J5 %(#$& :%$&3%;I$) J")$% N32$)JP$ !! 4E #2$ ?45:(";$& Q3#, /0*+ (& &24K" I$P4KW

Asset class Useful life of assets as Useful life of assets Rate Method

& & & & J6<&$FIJ;ML6:&!4K/&01.-& ;:&J6<& ;M^d:&JF9L4c&

=%$5;&$& 70 F$(%& 70 F$(%& *W7+n NHU ?45:J#$% @](%)K(%$k N4E#K(%$A 7 F$(%& + F$(%& ++W++n NHU VJ%";#J%$ (") V;9#J%$& *0 F$(%& *0 F$(%& *-W*n YS` =P("# (") U(32;"$%F *. F$(%& *. F$(%& *-W*n YS` U4#4% ?(% - F$(%& . F$(%& /0n NHU

=\- M2$ J&$EJP P;E$ 4E D9$) (&&$#& ;& P$&& #2(" #24&$ &:$3;D$) J")$% &32$)JP$ !! 4E ?45:(";$& Q3# /0*+W M2$ 5("(<$5$"# I$P;$>$& #2(# J&$EJP P;E$ 4E D9$) (&&$#& 3J%%$"#PF 34"&;)$%$) E4% #2$ :J%:4&$ 4E )$:%$3;(#;4" E(;%PF %$o$3# ;#& $&#;5(#$ 4E #2$ J&$EJP P;E$ (") %$&;)J(P >(PJ$& 4E D9$) (&&$#&W

=\@ M2$ R("T (&&$&&$& (# $(32 I(P("3$ &2$$# )(#$ K2$#2$% #2$%$ ;& ("F ;");3(#;4" #2(# (" (&&$# 5(F I$ ;5:(;%$) (") :%4>;)$& E4% ;5:(;%5$"# P4&&, ;E ("F, ;" #2$ :%4D# (") P4&& (334J"#W

2\& [IJ;L<I6MK&FH&!::6K:

M2$ R("T (&&$&&$& (# $(32 I(P("3$ &2$$# )(#$ K2$#2$% #2$%$ ;& ("F ;");3(#;4" #2(# (" (&&$# 5(F I$ ;5:(;%$)W !5:(;%5$"# P4&&, ;E ("F, ;& :%4>;)$) ;" #2$ =%4D# (") H4&& (334J"# #4 #2$ $9#$"# #2$ 3(%%F;"< (54J"# 4E (&&$#& $93$$)& #2$;% $&#;5(#$) %$34>$%(IP$ (54J"#W

?\& *J6<;KLMN&"6;:6&)<;M:;4KLFM:

H$(&$&, K2$%$ #2$ P$&&4% $EE$3#;>$PF %$#(;"& &JI&#("#;(PPF (PP #2$ %;&T& (") I$"$D#& 4E #2$ 4K"$%&2;: (%$ 3P(&&;D$) (& 4:$%(#;"< P$(&$W 1:$%(#;"< P$(&$ :(F5$"#& (%$ %$34<";g$) (& (" $9:$"&$ ;" #2$ =%4D# (") H4&& Q334J"# 4" ( &#%(;<2# P;"$ I(&;& 4>$% #2$ P$(&$ #$%5W

>\& ,6O6M86&,64FNMLKLFM

!"345$G'9:$");#J%$ (%$ (334J"#$) E4% 4" (33%J(P I(&;& $93$:# ;" 3(&$ 4E C4"Z=$%E4%5;"< Q&&$#&, K2$%$ ;"345$ ;& %$34<";g$) 4" (3#J(P %$(P;g(#;4" (& :$% OR! <J;)$P;"$&W !"345$ E%45 &$%>;3$& #2(# (%$ &JIa$3# #4 &$%>;3$ #(9 (%$ (334J"#$) "$# 4E &$%>;3$ #(9W

?455;&&;4" 4" \J(%("#$$& (") H$##$% 4E ?%$);# ;&&J$) (%$ (54%#;g$) 4" ( &#%(;<2#ZP;"$ I(&;& 4>$% #2$ :$%;4) 4E #2$ \J(%("#$$&GH$##$% 4E ?%$);#W H4(" :%43$&&;"< E$$& @E4% P4("& 54%$ #2(" 4"$ F$(%A (%$ (54%#;g$) 4>$% #2$ #$"J%$ 4E #2$ P4(" 4" ( &#%(;<2# P;"$ I(&;&W

.1\& %IJ9Fc66& 6M6SK:

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11. Cash and Cash equivalents

?(&2 (") 3(&2 $^J;>(P$"#& ;"3PJ)$ 3(&2 ;" 2("), I(P("3$& K;#2 O$&$%>$ R("T 4E !");(, I(P("3$& K;#2 4#2$% I("T&G;"&#;#J#;4"& (") 54"$F (# 3(PP (") &24%# "4#;3$W

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.-\& ]<FOL:LFM:/&$FMKLMN6MK&!::6K:&!M7&$FMKLMN6MK&"L;_L9LKL6:

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;A Q :4&&;IP$ 4IP;<(#;4", (%;&;"< E%45 ( :(&# $>$"#@&A, #2$ $9;&#$"3$ 4E K2;32 K;PP I$ 34"D%5$) IF 433J%%$"3$ 4% "4"Z433J%%$"3$ 4E 4"$ 4% 54%$ J"3$%#(;" EJ#J%$ $>$"#& "4# K;#2;" #2$ 34"#%4P 4E #2$ R("T 4%

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IW Q %$P;("3$ $&#;5(#$ 4E #2$ (54J"# 4E 4IP;<(#;4" 3(""4# I$ 5()$W




'$(%3X"%&.?&Y&#*)%'&B*,+[#`&]!,)&*B&)(%&!$$*X#)'&B*,&)(%&D%!,&%#3%3&+!,$(&-./&01.2

@O&W 000h&A

.& 8:LM6::&,;KLF:e&& & & 01.=Y.2& 01.AY.=

;W !"#$%$&# ;"345$ (& ( :$%3$"#(<$ #4 K4%T;"< EJ")&$ =\2=f 8W*-n

;;W C4"Z;"#$%$&# ;"345$ (& ( :$%3$"#(<$ #4 K4%T;"< EJ")& 1\>.f 0W-6n

;;;W 1:$%(#;"< :%4D# (& ( :$%3$"#(<$ #4 K4%T;"< EJ")& .\1=f *W*.n

;>W O$#J%" 4" (&&$#& 1\A@f 0W78n

>W RJ&;"$&& @S$:4&;#& q Q)>("3$&Ae :$% '5:P4F$$ _ @2?/0A1 .06,08+

>;W =%4D# :$% '5:P4F$$_ 0/1-. /,6.B

r Y4%T;"< EJ")& (%$ 34"&;)$%$) (& (>$%(<$ 4E #4#(P (&&$#& (& %$:4%#$) #4 OR! ;" V4%5 i

_ C4 4E $5:P4F$$& (& (# F$(% $") 2(& I$$" 34"&;)$%$)W

e Q>$%(<$ )$:4&;#& (") ()>("3$& (%$ 34"&;)$%$) (& :$% V4%5 iW

0\& "6M7LMN&KF&:6M:LKLO6&:64KF<:&;<6&;:&8M76<e&

@O&W 000h&A

& 0\.& %bJF:8<6&KF&<6;9&6:K;K6&:64KF<&& 01.=Y.2& 01.AY.=

a) Direct exposure : -20/=@@ 6*B,B.7

i) O$&;)$"#;(P 54%#<(<$& .0/=@@ *B,B.7

L 4E K2;32 !");>;)J(P ]4J&;"< H4("& $P;<;IP$ E4% ;"3PJ&;4" ;" =%;4%;#F N$3#4%

ii) ?455$%3;(P O$(P '&#(#$ L O$&;)$"#;(P ]4J&;"< =%4a$3#

@;"3PJ);"< CVR P;5;#& O&W C!HA -=1/111 600,000

iii) !">$&#5$"# ;" U4%#<(<$ R(3T$) N$3J%;#;$& (") 4#2$% &$3J%;#;g$) $9:4&J%$&X – L

(W O$&;)$"#;(P – L

IW ?455$%3;(P O$(P '&#(#$ – L

_Q&& [M7L<64K&6bJF:8<6&e& -../?A.& -.?/@21

VJ") I(&$) (") "4"ZEJ") I(&$) $9:4&J%$& 4" C(#;4"(P ]4J&;"< R("T (")

]4J&;"< V;"("3$ ?45:(";$& -../?A. +*-,680

Total Real Estate exposure& =?@/@>A& 2-?/@0=

@O&W 000h&A

0\0& %bJF:8<6&KF&4;JLK;9&I;<^6K 01.=Y.2& 01.AY.=

;W !">$&#5$"#& 5()$ ;" $^J;#F &2(%$&, 34">$%#;IP$ I4")&, 34">$%#;IP$ )$I$"#J%$&

(") J";#& 4E $^J;#FZ4%;$"#$) 5J#J(P EJ")& #2$ 34%:J& 4E K2;32 ;& "4# $93PJ&;>$PF

;">$&#$) ;" 34%:4%(#$ )$I# – *-,*00

;;W Q)>("3$& (<(;"&# &2(%$&, I4")&, )$I$"#J%$& 4% 4#2$% &$3J%;#;$& 4% 4" 3P$(" I(&;& #4

;");>;)J(P& E4% ;">$&#5$"# ;" $^J;#F &2(%$& @;"3PJ);"< !=1h&G'N1=NA, 34">$%#;IP$

I4")& 4% 34">$%#;IP$ )$I$"#J%$&, J";#& 4E $^J;#F 4%;$"#$) 5J#J(P EJ")&W – L

;;;W Q)>("3$& E4% ("F 4#2$% :J%:4&$& K2$%$ &2(%$& 4% 34">$%#;IP$ I4")& 4% 34">$%#;IP$

)$I$"#J%$& 4% J";#& 4E $^J;#F 4%;$"#$) 5J#J(P EJ")& (%$ #(T$" (& :%;5(%F &$3J%;#F – L

;>W Q)>("3$& E4% ("F 4#2$% :J%:4&$& #4 #2$ $9#$"# &$3J%$) IF 34PP(#$%(P &$3J%;#F 4E &2(%$& 4%

34">$%#;IP$ I4")& 4% 34">$%#;IP$ )$I$"#J%$& 4% J";#& 4E $^J;#F 4%;$"#$) 5J#J(P EJ")&

;W$W K2$%$ #2$ :%;5(%F &$3J%;#F 4#2$% #2(" &2(%$&G34">$%#;IP$ I4")&G34">$%#;IP$

)$I$"#J%$&GJ";#& 4E $^J;#F 4%;$"#$) 5J#J(P EJ")& )4$& "4# EJPPF 34>$% #2$ ()>("3$& – L

>W N$3J%$) (") J"&$3J%$) ()>("3$& #4 &#43TI%4T$%& k <J(%("#$$& ;&&J$) 4" I$2(PE

4E &#43TI%4T$%& (") 5(%T$# 5(T$%& – L

>;W H4("& &("3#;4"$) #4 34%:4%(#$& (<(;"&# #2$ &$3J%;#F 4E &2(%$&GI4")&G)$I$"#J%$&

4% 4#2$% &$3J%;#;$& 4% 4" 3P$(" I(&;& E4% 5$$#;"< :%454#$%h& 34"#%;IJ#;4" #4 #2$ $^J;#F

4E "$K 345:(";$& ;" ("#;3;:(#;4" 4E %(;&;"< %$&4J%3$&W – L

>;;W R%;)<$ P4("& #4 345:(";$& (<(;"&# $9:$3#$) $^J;#F o4K&G;&&J$& – L

>;;;W c")$%K%;#;"< 3455;#5$"#& #(T$" J: ;" %$&:$3# 4E :%;5(%F ;&&J$ 4E &2(%$& 4%

34">$%#;IP$ I4")& 4% 34">$%#;IP$ )$I$"#J%$& 4% J";#& 4E $^J;#F 4%;$"#$) 5J#J(P EJ")& – L

;9W V;"("3;"< #4 &#43TI%4T$%& E4% 5(%<;" #%();"< – L

9W QPP $9:4&J%$& #4 >$"#J%$ 3(:;#(P EJ")& @I4#2 %$<;&#$%$) k J"%$<;&#$%$)A – L

Total Exposure to Capital Market L& .?/.11




/W+ M2$ %;&T 3(#$<4%F K;&$ $9:4&J%$ (") #2$ :%4>;&;4"& 2$P) (& %$^J;%$) J")$% ?4J"#%F O;&T U("(<$5$"# (%$ (& E4PP4K&X @O&W 000h&A

Risk category Exposure Provision Held Exposure Provision Held

& & & & & P-.&+;<45&01.2Q& P-.&+;<45&01.2Q& P-.&+;<45&01.=Q& @+* U(%32 /0*7A

!"&;<";D3("# +,***,/-* /,8+. /,6B8,76B /,0-6 H4K +,60/,-8- 7,678 +,**/,7B7 .,/*7 U4)$%(#$PF H4K */,7/- L /**,8/0 L ];<2 +7*,0-0 L +*,8.- L `$%F ];<2 /.,B-/ L L L

& & & )FK;9&& & =/>.-/?@>& >/010& A/?A-/?0-& 2/-11

!" #$%5& 4E OR! 3;%3JP(%, :%4>;&;4" ;& 5()$ 4"PF E4% #24&$ 34J"#%;$& K2$%$ #2$ "$# EJ")$) $9:4&J%$ ;& *n 4% 54%$ 4E #4#(P (&&$#&

3. Asset Quality : @O&W 000h&A 01.=Y.2& 01.AY.=

3.1 Provision for Standard Assets as at year end (Includes provision on unhedged foreign currency exposure) >>/=11 -B,*00

-\0& ]6<46MK;N6&FH&#6K&#FMY]6<HF<ILMN&!::6K:&KF&#6K&!7O;M46: 1\1=f 0W08n

3.3 Movement in Non Performing Advances (Gross) R(P("3$ (& (# #2$ I$<;"";"< 4E #2$ F$(% 0-./12= /+*,087 Q))X Q));#;4"& )J%;"< #2$ F$(%G#%("&E$% – L H$&&X O$)J3#;4"& )J%;"< #2$ F$(% c:<%()(#;4"& – L O$34>$%;$& – L Y%;#$Z4EE& – L R(P("3$ (& (# #2$ $") 4E #2$ F$(% 0-./12=& 0-./12=

3.4 Movement in provision for Non Performing Advances @'93PJ);"< :%4>;&;4" 4" &#(")(%) (&&$#&A R(P("3$ (& (# #2$ I$<;"";"< 4E #2$ F$(% 0.2/AAA /*8,... Q))X =%4>;&;4"& 5()$ )J%;"< #2$ F$(% – L H$&&X Y%;#$Z4EEGY%;#$ I(3T 4E $93$&& :%4>;&;4" )J%;"< #2$ F$(% – L

R(P("3$ (& (# #2$ $") 4E #2$ F$(% 0.2/AAA /*8,...

-\A& ]<FOL:LFMLMN&$FO6<;N6&,;KLF& >@\.Af B6W*.n

-\=& +FO6I6MK&LM&#FM&]6<HF<ILMN&!7O;M46:&P#6KQ&& & & R(P("3$ (& (# #2$ I$<;"";"< 4E #2$ F$(% .-/A0. *+,./* Q))X Q));#;4"& )J%;"< #2$ F$(% – L

H$&&X O$)J3#;4"& )J%;"< #2$ F$(% – L

R(P("3$ (& (# #2$ $") 4E #2$ F$(% .-/A0. *+,./*

-\2& +FO6I6MK&LM&#FM&]6<HF<ILMN&[MO6:KI6MK:&P`<F::Q&& 01.=Y.2& 01.AY.= R(P("3$ (& (# #2$ I$<;"";"< 4E #2$ F$(% .?/.11 *-,*00 Q))X Q));#;4"& )J%;"< #2$ F$(% – L H$&&X O$)J3#;4"& )J%;"< #2$ F$(% .?/.11 L c:<%()(#;4"& – L O$34>$%;$& – L Y%;#$Z4EE& L L R(P("3$ (& (# #2$ $") 4E #2$ F$(% – *-,*00

& -\?& +FO6I6MK&LM&J<FOL:LFM&HF<&#FM&]6<HF<ILMN&[MO6:KI6MK: @'93PJ);"< :%4>;&;4" 4" &#(")(%) (&&$#&A R(P("3$ (& (# #2$ I$<;"";"< 4E #2$ F$(% .?/.11 *-,*00 Q))X =%4>;&;4"& 5()$ )J%;"< #2$ F$(%G#%("&E$% – L H$&&X Y%;#$Z4EEGY%;#$ I(3T 4E $93$&& :%4>;&;4" )J%;"< #2$ F$(% .?/.11 L

R(P("3$ (& (# #2$ $") 4E #2$ f$(% – *-,*00

& -\>& +FO6I6MK&LM&#FM&]6<HF<ILMN&[MO6:KI6MK:&P#6KQ&& & R(P("3$ (& (# #2$ I$<;"";"< 4E #2$ F$(% – L Q))X Q));#;4"& )J%;"< #2$ F$(% – L H$&&X O$)J3#;4"& )J%;"< #2$ F$(% – L

R(P("3$ (& (# #2$ $") 4E #2$ F$(% – L @O&W j000&A

@\& +FO6I6MK&LM&B9F;KLMN&]<FOL:LFM& 01.=Y.2& 01.AY.=

R(P("3$ (& (# #2$ I$<;"";"< 4E #2$ F$(% .-/@?0 *+,6-/ Q))X Q));#;4"& )J%;"< #2$ F$(% – L H$&&X S%(K )4K" )J%;"< #2$ F$(% – L

R(P("3$ (& (# #2$ $") 4E #2$ F$(% .-/@?0 *+,6-/

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b) Concentration of Advances**

M4#(P Q)>("3$& #4 /0 P(%<$&# R4%%4K$%& *8,8B7,86+ *8,07/,0+B

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c) Concentration of Exposures**

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;" U(&#$% ?;%3JP(% 4E '9:4&J%$ C4%5&

d) Concentration of NPAs

M4#(P '9:4&J%$ #4 #4: 6 C=Q (334J"#& /+*,087 /6B,*8.

@M2;& ;"3PJ)$& ()>("3$ (54J"# 34">$%#$) ;"#4 $^J;#F &2(%$& (& :$% ?SO %$&#%J3#J%;"< :(3T(<$A

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@O&W 000h&A

'<\&& & & 01.=Y.2& & & 01.AY.=

No. Sector Outstanding Gross Percentage 1J#&#(");"< \%4&& =$%3$"#(<$

Total NPAs of Gross NPAs M4#(P C=Q& 4E \%4&& C=Q&

Advances to Total Q)>("3$& #4 M4#(P

Advances in Q)>("3$& ;"

that sector #2(# &$3#4%

A Priority Sector

* Q<%;3JP#J%$ (") (PP;$) (3#;>;#;$& – – – L L L

/ Q)>("3$& #4 ;")J&#%;$& &$3#4% $P;<;IP$

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+ N$%>;3$ – – – L L L

6 =$%&4"(P P4("& – – – L L L

& '8_YKFK;9&P!Q& @/==2/@A-& T& T& -/2.=/=.2& T& T

B Non Priority Sector

* Q<%;3JP#J%$ (") (PP;$) (3#;>;#;$& – – –

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+ N$%>;3$& 4E K2;32 .0/?@1/?21& T& T *0,6+/,.*B L L

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M2$ R("T )4$& "4# 2(>$ ("F 1EE R(P("3$ &2$$# &:4"&4%$) N=` (& (# U(%32 +*, /0*8 @=%$>;4J& f$(%X C;PA

13. Unsecured Advances against Intangible securities

M2$%$ (%$ "4 ()>("3$& <%("#$) (<(;"&# ;"#("<;IP$ &$3J%;#;$& &J32 (& 32(%<$ 4>$% #2$ %;<2#&, P;3$"&$&, (J#24%;#F @$93PJ);"< <J(%("#$$&A $#3W )J%;"< #2$ F$(% @=%$>;4J& f$(%X C;PA

@O&W000h&A

.@\& B66:&<646LO67&LM&<6:J64K&FH& ;M4&;::8<;M46&_8:LM6::& 01.=Y.2& /0*.Z*7

L V4% &$PP;"< UJ#J(P VJ") :%4)J3#& >1 *80 L V4% &$PP;"< !"&J%("3$ :%4)J3#& – L

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Loss Account include: @O&W000h&A

01.=Y.2& /0*.Z*7

;W =%4>;&;4"G@Y%;#$ R(3TA 4E C4"Z=$%E4%5;"< VJ")$) Q)>("3$& @C$#A – L ;;W R() S$I#& K%;##$"Z4EEGO$34>$%$) – L ;;;W =%4>;&;4"& E4% ?4J"#%F O;&T ./>10 +.7 ;>W =%4>;&;4"G@Y%;#$ R(3TA 4E S$:%$3;(#;4" 4" !">$&#5$"#& @C$#A P@/>21Q L >W =%4>;&;4" E4% S$E$%%$) M(9 @C$#A P./A-@Q @67,7-*A >;W =%4>;&;4" E4% ?J%%$"# M(9 .@?/112 *7+,6.+ >;;W =%4>;&;4"& E4% N#(")(%) Q&&$#& @;"3PJ);"< J"2$)<$) E4%$;<" 3J%%$"3F $9:4&J%$A >/=11 -,700

)FK;9& & & & & .A-/11A& .0A/20?

.=\& &$;JLK;9&!76U8;4c

Q& :$% #2$ OR! <J;)$P;"$& 4" 3(:;#(P ()$^J(3F ;&&J$), I("T& (%$ %$^J;%$) #4 345:J#$ #2$;% 3(:;#(P %$^J;%$5$"# J")$% R(&$P !!! $EE$3#;>$ [J"$ +0, /0*+W M2$ 3(:;#(P %(#;4 (& :$% R(&$P !!! ;& 0A\A0f @=%$>;4J& f$(% /6W-Bn J")$% R(&$P !!!AW

M2$ 3(:;#(P ()$^J(3F %(#;4 4E #2$ R("T, 3(P3JP(#$) (& :$% OR! <J;)$P;"$& R(&$P !!! 3(:;#(P O$<JP(#;4"& <$"$%(PPF %$E$%%$) #4 (& R(&$P L !!! ;& &$# 4J# I$P4KX

01.=Y.2& /0*.Z*7

;W ?4554" '^J;#F M;$% ! 3(:;#(P %(#;4 @nA 0@\=@f /6W08n ;;W M;$% ! 3(:;#(P %(#;4 @nA 0@\=@f /6W08n ;;;W M;$% !! 3(:;#(P %(#;4 @nA 1\??f 0W-/n ;>W M4#(P 3(:;#(P %(#;4 @?OQOA @nA 0A\A0f /6W-Bn >W Q54J"# 4E !"#$%$&# E%$$ EJ") %(;&$) E%45 ]1 ;" #2$ F$(% – L >;W Q54J"# 4E ());#;4"(P M;$% ! 3(:;#(P %(;&$) ;" #2$ F$(% – L >;;W Q54J"# 4E M;$% !! 3(:;#(P %(;&$) ;" #2$ F$(% – L

.2\& &3<;GY7FGM&H<FI&,6:6<O6:

M2$ R("T 2(& "4# )%(K" )4K" ("F (54J"# E%45 #2$ O$&$%>$& )J%;"< #2$ 3J%%$"# F$(% @=%$>;4J& f$(%X C;PAW @O&W 000h&A

.?\& $9;::LS4;KLFM&FH&#6K&[MO6:KI6MK:&8M76<&O;<LF8:&4;K6NF<L6:&L:&;:&8M76<e& 01.=Y.2 /0*.Z*7

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!">$&#5$"#& ;"3PJ)$ &$3J%;#;$& (54J"#;"< ,:\&-1>/@AA&K5F8:;M7 @=%$>;4J& f$(%X ,:\&-1./20.&K5F8:;M7A T$:# (& 5(%<;" K;#2 O$&$%>$ R("T 4E !");( #4K(%)& O$(P M;5$ \%4&& N$##P$5$"# @OM\NAW

!">$&#5$"# ;"3PJ)$& &$3J%;#;$& 4E E(3$ >(PJ$ ,:\&=11/111&K5F8:;M7 @=%$>;4J& f$(%X ,:\&AA1/111&K5F8:;M7A T$:# K;#2 O$&$%>$ R("T 4E !");( JG& **@/A @IA 4E R("T;"< O$<JP(#;4" Q3#, *B6BW

.>\& +FO6I6MK&LM&]<FOL:LFM&HF<&76J<64L;KLFM&FM&[MO6:KI6MK& & @O&W 000h&A

01.=Y.2 /0*.Z*7

R(P("3$ (& (# #2$ I$<;"";"< 4E #2$ F$(% .?/.11 *-,*00 Q))X =%4>;&;4"& 5()$ )J%;"< #2$ F$(%G#%("&E$% – L H$&&X Y%;#$Z4EE GY%;#$ I(3T 4E $93$&& :%4>;&;4" )J%;"< #2$ F$(%_ .?/.11 L

R(P("3$ (& (# #2$ $") 4E #2$ F$(% – *-,*00

_ !"3PJ)$& K%;#$ 4EE 4E :%4>;&;4"& 4" N$3J%;#;g(#;4" %$3$;:#& Rs. Nil @=%$>;4J& f$(%X ,:\.?/.11&K5F8:;M7A




01\& +FO6I6MK&LM&#FM&T&]6<HF<ILMN&#FM&'",&[MO6:KI6MK:&L:&;:&8M76<e&

@O&W 000h&A

01.=Y.2 /0*.Z*7

1:$";"< R(P("3$ .?/.11 *-,*00 Q));#;4"& )J%;"< #2$ F$(% – L O$)J3#;4"& GY%;#$ 4EE )J%;"< #2$ F$(% &.?/.11 L ?P4&;"< R(P("3$ – *-,*00

M4#(P =%4>;&;4"& 2$P) – *-,*00

0.\& [::86<&4FIJF:LKLFM&FH&#FMY'",&LMO6:KI6MK:&L:&;:&8M76<e

!:&;K&+;<45&-./&01.2& @O&W 000h&A

'<\&& & [::86<& !IF8MK& %bK6MK&FH& %bK6MK&FH&i_69FG&& %bK6MK&FH& %bK6MK&FH& &

No private investment ‘unrated’ ‘unlisted’

placement grade’ securities securities securities

& & P.Q& & P0Q& P-Q& P@Q& PAQ& P=Q& P2Q

* =Nc& L L L L L / V;"("3;(P !"&#;#J#;4"& L L L L L + R("T& L L L L L 6 =%;>(#$ ?4%:4%(#$& L L L L L . NJI&;);(%;$&G[4;"# $"#J%$& L L L L L 7 1#2$%& L L L L L 8 =%4>;&;4" 2$P) #4K(%)& )$:%$3;(#;4" L

Total –

Q& (# U(%32 +*, /0*7 @O&W 000h&A

'<\&& & [::86<& !IF8MK& %bK6MK&FH& %bK6MK&FH&i_69FG&& %bK6MK&FH& %bK6MK&FH& &

No private investment ‘unrated’ ‘unlisted’

placement grade’ securities securities securities

& & P.Q& & P0Q& P-Q& P@Q& PAQ& P=Q& P2Q

* =Nc& L L L L L / V;"("3;(P !"&#;#J#;4"& L L L L L + R("T& L L L L L 6 =%;>(#$ ?4%:4%(#$& *-,*00 *-,*00 L *-,*00 L . NJI&;);(%;$&G[4;"# $"#J%$& L L L L L 7 1#2$%& L L L L L 8 =%4>;&;4" 2$P) #4K(%)& )$:%$3;(#;4" @*-,*00A

Total –

00\& [MO6:KI6MK:&

@O&W 000h&A

Particulars 01.=Y.2 /0*.Z*7

(1) Value of investments

@;A \%4&& >(PJ$ 4E ;">$&#5$"#&

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@;A 1:$";"< I(P("3$ .?/.11 L

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0-\& ';96&F<&K<;M:H6<&KFRH<FI&()+&$;K6NF<c

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Particulars Minimum Maximum Daily average As at year end

outstanding outstanding outstanding

during the year during the year during the year

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0=\ SJ%;"< #2$ F$(%, #2$ R("T 2(& "4# $93$$)$) #2$ =%J)$"#;(P '9:4&J%$ H;5;#& E4% !");>;)J(P R4%%4K$% 4% \%4J: R4%%4K$%&W @=%$>;4J& f$(%X C;PA

02\& +;K8<LKc&]<FS96&FH&!::6K:R"L;_L9LKL6:e&

!:&;K&+;<45&-./&01.2& @O&W 000h&A

Total Foreign Currency

& & +;K8<LKc&];KK6<M& 36JF:LK:& F<<FGLMN:& !7O;M46:& [MO6:KI6MK& !::6K:PjQ& "L;_L9LKL6:PjQ& &

(Net) (Net)

& 1Y.&7;c&& .?/?=0& T& 2-/1=-& 0/-.?/0-A& -=-/@@=& ?/-.1

& & 0Y2&7;c:& >?@/1==& -1/111& >/1A@/=1-& .A@/.@A& ./2--/0@?& @0/-=>

& & ?Y.@&7;c:& 0>2/>->& T& .0@/>02& @?/1-A& @A/@A-& @?/=@A

& & .AY0?&7;c:& @/10./>20& T& =@1/A-=& =11/0=A& @?>/@12& .A/?2-

& & 0>&7;c:&Y&-&IFMK5:& .0/@0./@1>& ./0>2/111& 0/2>?/>A1& ./?@./1-.& ?>?/?@.& ./-22/=2A

& & -Y=&IFMK5:& ./@21/.-.& T& ./>?1/0A=& 0-0/2-?& ./@--/0?1& 0A1/==@

& & =Y.0&IFMK5:& 0/>>2/>A2& --1/111& ./01A/011& A.2/@01& T& ?>A/>@@

& & .Y-&c6;<:& =/1.>/.2=& T& A/2=./>2?& ?>@/=A0& T& ./-@=/?>A

& & -YA&c6;<:& .@0/=?0& T& ./->0/>1@& 0./A.A& T& .12/2AA

& & *O6<&A&c6;<:& T& T& 2A/20.& 00./-2@& T& -/.A1

)FK;9& & 0?/-2@/.>@& ./=A2/111& 0-/.1?/.-?& =/?@>/@.1& @/>=-/=2A& @/1>2/0?1

?P(&&;D3(#;4"& 4E Q&&$#& (") H;(I;P;#;$& J")$% #2$ );EE$%$"# 5(#J%;#F IJ3T$#& (%$ 345:;P$) IF U("(<$5$"# I(&$) 4" #2$ <J;)$P;"$& ;&&J$) IF #2$ OR! (") (%$ I(&$) 4" #2$ &(5$ (&&J5:#;4"& (& J&$) IF #2$ R("T E4% 345:;P;"< #2$ %$#J%" &JI5;##$) #4 #2$ OR! (") K2;32 2(>$ I$$" %$P;$) J:4" IF #2$ (J);#4%&W

@_A V4%$;<" ?J%%$"3F Q&&$#& (") H;(I;P;#;$& $93PJ)$ 4EEZR(P("3$ N2$$# Q&&$#& (") H;(I;P;#;$&W

Q& (# U(%32 +*, /0*7 @O&W 000h&A

Total Foreign Currency

& & +;K8<LKc&];KK6<M& 36JF:LK:& F<<FGLMN:& !7O;M46:& [MO6:KI6MK& !::6K:PjQ& "L;_L9LKL6:PjQ& &

(Net) (Net)

0Z* )(F 6/* L 8-,00B L 7/*,B++ +0,.*8

/Z8 )(F& 7*-,/+B 8*/,..0 .0*,*07 L *,..6,08+ 776,6.*

-Z*6 )(F& +6,760 L *,*.0,76/ L --,+.6 *,6++

*.Z/- )(F& /+B,68/ L *,+-/,0/B *+-,-6/ *0-,-7B 7,B-8

/B )(F& Z + 54"#2& *,B7.,-7* 70B,.67 -,*+-,/.. ++/,-++ *,0*7,86. 78B,0.B

+Z7 54"#2& *,B/0,*7* L *,-06,/-. +6/,86- B68,0B6 B0.,+6B

7Z*/ 54"#2& *0,6..,.80 L *,+*.,7-0 68*,.6+ *7.,-B0 B,-/-,676

*Z+ F$(%& .,.87,0+- L +,0.+,-8B .B/,B.. L -./,+0*

+Z. F$(%& /.,7B- L /,6-0,06B /6.,B/0 L L

1>$% . F$(%& L L 70,-*7 B7*,/-7 L +,--+

& & )FK;9& & & & 01/?-=/1>1& ./-00/1>=& .>/>=@/2A1& -/1?=/.02& @/A10/>A?& .0/>20/@@@

?P(&&;D3(#;4"& 4E Q&&$#& (") H;(I;P;#;$& J")$% #2$ );EE$%$"# 5(#J%;#F IJ3T$#& (%$ 345:;P$) IF U("(<$5$"# I(&$) 4" #2$ <J;)$P;"$& ;&&J$) IF #2$ OR! (") (%$ I(&$) 4" #2$ &(5$ (&&J5:#;4"& (& J&$) IF #2$ R("T E4% 345:;P;"< #2$ %$#J%" &JI5;##$) #4 #2$ OR! (") K2;32 2(>$ I$$" %$P;$) J:4" IF #2$ (J);#4%&W

@_A V4%$;<" ?J%%$"3F Q&&$#& (") H;(I;P;#;$& $93PJ)$ 4EEZR(P("3$ N2$$# Q&&$#& (") H;(I;P;#;$&W




0?\& +FO6I6MK&LM&:KF4^&FH&K645ML4;9&G<LK6YFHH:&;M7&K56&<64FO6<L6:&I;76&K56<6FMe

M2$%$ K$%$ "4 54>$5$"#& ;" M$32";3(P K%;#$Z4EE& "4% ("F %$34>$%;$& K$%$ 5()$ )J%;"< #2$ Vf /0*7Z*8 @=%$>;4J& f$(%X C;PAW

0>\& XM567N67&BF<6LNM&$8<<6M4c&%bJF:8<6

M2$ R("T 2(& ;" :P(3$ ( :4P;3F 4" 5("(<;"< 3%$);# %;&T (%;&;"< 4J# 4E J"2$)<$) 3J%%$"3F $9:4&J%$& 4E ;#& I4%%4K$%&W M2$ 4Ia$3#;>$ 4E #2;& :4P;3F ;& #4 5(9;5;g$ #2$ 2$)<;"< 4" E4%$;<" 3J%%$"3F $9:4&J%$& 4E I4%%4K$%& IF %$>;$K;"< #2$;% E4%$;<" 3J%%$"3F :4%#E4P;4 (") $"34J%(<;"< #2$5 #4 2$)<$ #2$ J"2$)<$) :4%#;4"W !" P;"$ K;#2 #2;& :4P;3F, (&&$&&5$"# 4E J"2$)<$) E4%$;<" 3J%%$"3F $9:4&J%$ ;& ( :(%# 4E (&&$&&5$"# 4E I4%%4K$%& (") ;& J")$%#(T$" K2;P$ :%4:4&;"< P;5;#& 4% (# #2$ %$>;$K &#(<$W

VJ%#2$%, #2$ R("T %$>;$K& #2$ J"2$)<$) E4%$;<" 3J%%$"3F $9:4&J%$ (3%4&& ;#& :4%#E4P;4 4" ( %$<JP(% I(&;&W M2$ I("T (P&4 5(;"#(;"& ;"3%$5$"#(P :%4>;&;4" #4K(%)& #2$ J"2$)<$) E4%$;<" 3J%%$"3F $9:4&J%$& 4E ;#& I4%%4K$%& ;" P;"$ K;#2 #2$ $9#("# OR! <J;)$P;"$&W

!" (334%)("3$ K;#2 #2$ OR!h& ?;%3JP(% SR1S C4WR=WR?W-.G/*W07W/00G/0*+Z*6 )(#$) [("J(%F *., /0*6 $EE$3#;>$ Q:%;P *, /0*6, #2$ R("T 2(& 5(;"#(;"$) ;"3%$5$"#(P :%4>;&;4" 4E O&W .,7/. #24J&(") @=%$>;4J& F$(%Z O&W -,./B #24J&(")A (") ());#;4"(P 3(:;#(P 4E O&W/8,B00 #24J&(") @=%$>;4J& F$(%Z O&W *.,8/* #24J&(")A 4" (334J"# 4E J"2$)<$) E4%$;<" 3J%%$"3F $9:4&J%$ 4E ;#& I4%%4K$%& (& (# U(%32 +*, /0*8W

-1\ M2$ R("T 2(& "4# $"#$%$) ;"#4 ("F ?%$);# )$E(JP# &K(:& #%("&(3#;4"& )J%;"< #2$ F$(% @=%$>;4J& f$(%X C;PAW

31. Liquidity Coverage Ratio @O&W 000h&A

!O6<;N6&k@&01.=Y.2& !O6<;N6&k-&01.=Y.2& !O6<;N6&k0&01.=Y.2& !O6<;N6&k.&01.=Y.2& 01.AY.=

Total Total Total Total Total Total Total Total Total Total& & & & XMG6LN5K67& G6LN5K67&& XMG6LN5K67& G6LN5K67& XMG6LN5K67& G6LN5K67&& XMG6LN5K67& G6LN5K67& XMG6LN5K67& G6LN5K67 Value Value Value Value Value Value Value Value Value Value (average) (average) (average) (average) (average) (average) (average) (average) (average) (average)

];<2 sJ(P;#F H;^J;) Q&&$#&

* M4#(P ];<2 sJ(P;#F

H;^J;) Q&&$#& @]sHQA -,***,-0. -,***,-0. 8,-B-,7./ 8,-B-,7./ B,*8-,-+8 B,*8-,-+8 +,8..,B60 +,8..,B60 /,*-+,*/7 /,*-+,*/7

$;:5&*8KEFG:

/ O$#(;P )$:4&;#& (")

)$:4&;#& E%45 &5(PP

IJ&;"$&& 3J&#45$%&,

4E K2;32X /,B6+,-8+ /B*,667 6,6+6,.B7 66*,08/ .,*6+,8*. .**,8BB +,/-0,86+ +/.,6B/ /,7B*,07B /77,8**

@;A N#(IP$ )$:4&;#& .-,-++ /,B6/ 68,8.* /,+-- .*,6.6 /,.8+ .*,76. /,.-/ 68,B+/ /,+B8

@;;A H$&& &#(IP$ )$:4&;#& /,--.,060 /--,.06 6,+-7,-66 6+-,7-6 .,0B/,/7* .0B,//7 +,//B,0B- +//,B*0 /,76+,*+8 /76,+*6

+ c"&$3J%$) K24P$&(P$

EJ");"<, 4E K2;32X *,80B,0B. *,/..,087 /,6B*,B*B /,*/8,8.. /,6//,-0B B7.,0+6 87+,6.B /BB,*-/ ./7,6-B /0.,..*

@;A 1:$%(#;4"(P )$:4&;#&

@(PP 34J"#$%:(%#;$&A 767 +/ /.. *+ +- / +* / +/ +/

@;;A C4"Z4:$%(#;4"(P )$:4&;#&

@(PP 34J"#$%:(%#;$&A *,80-,66B *,/..,06+ /,6B*,776 /,*/8,86/ /,6//,88* B7.,0+/ 87+,6/8 /BB,*-0 ./7,6.8 /0.,.*B

@;;;A c"&$3J%$) )$I# L L L L L L L L L L

6 N$3J%$) K24P$&(P$ EJ");"< L L *8,.6+ L L L -+,+0* L L L

. Q));#;4"(P %$^J;%$5$"#&,

4E K2;32 /,B++,BB6 .*7,*6* /,0+/,8./ /0/,+++ *,76+,/.6 *7*,/B+ *,-++,.-7 *-*,6*0 *,.0.,66* *6-,*80

@;A 1J#o4K& %$P(#$) #4 )$%;>(#;>$

$9:4&J%$& (") 4#2$% 34PP(#$%(P

%$^J;%$5$"#& L L L L L L L L L L

@;;A 1J#o4K& %$P(#$) #4 P4&& 4E

EJ");"< 4" )$I# :%4)J3#& L L L L L L L L L L

@;;;A ?%$);# (") P;^J;);#F

E(3;P;#;$& /,B++,BB6 .*7,*6* /,0+/,8./ /0/,+++ *,76+,/.6 *7*,/B+ *,-++,.-7 *-*,6*0 *,.0.,66* *6-,*80

7 1#2$% 34"#%(3#J(P

EJ");"< 4IP;<(#;4"& /,76.,7-7 /,76.,7-7 *,6**,60. *,6**,60. 7+*,*-6 7+*,*-6 +67,866 +67,866 /7B,*-+ /7B,*-+

8 1#2$% 34"#;"<$"#

EJ");"< 4IP;<(#;4"& +,+.8,-60 *00,8+. +,07*,7/* B*,-6B +,6/.,*0- *0/,8.+ +,+.+,.8B *00,708 +,B*6,+++ *6/,B68

- M4#(P ?(&2 1J#o4K& *+,.B0,6-- 6,-0B,0-6 *+,66B,-+7 6,/86,6*+ *+,/77,080 /,+8/,07+ B,77*,6*+ *,/.+,6+7 -,B07,.*. *,0+/,.7/

$;:5&[MEFG:& & & & & & & & & & &

B N$3J%$) P$");"<

@$W<W %$>$%&$ %$:4&A 6,+/B,6/0 L 6,.6+,.8+ L 8,+*B,-8+ L *,06B,B6. L *0+,+++ L

*0 !"o4K& E%45 EJPPF

:$%E4%5;"< $9:4&J%$& *,060,-6* ./0,6/* *,66-,60* 8/6,/0* *,.8*,..- 8-.,88B *,/0-,+00 706,*.0 *,B-0,8.7 BB0,+8-

** 1#2$% ?(&2 ;"o4K& *,7+/,+/+ *,7+/,+/+ *,.7B,/6- *,.7B,/6- /,+8+,B6/ /,+8+,B6/ 6,/+/,68- 6,/+/,68- +,0..,B.* +,0..,B.*

*/ M4#(P 3(&2 ;"o4K& 8,00/,.-6 /,*./,866 8,.7*,//+ /,/B+,66B **,/7.,+8+ +,*.B,8/* 7,6B0,8/+ 6,-+7,7/B .,*60,060 6,067,+/B

M4#(P M4#(P M4#(P M4#(P M4#(P

Q)aJ&#$) Q)aJ&#$) Q)aJ&#$) Q)aJ&#$) Q)aJ&#$)

(PJ$ (PJ$ (PJ$ (PJ$ (PJ$

*+ M1MQH ]sHQ -,***,-0. -,***,-0. 8,-B-,7./ 8,-B-,7./ B,*8-,-+8 B,*8-,-+8 +,8..,B60 +,8..,B60 /,*-+,*/7 /,*-+,*/7

*6 M4#(P C$# ?(&2 1J#o4K& L /,7.7,+60 L *,B-0,B76 L @8-8,7.-A L @+,.-+,*B/A L @+,0*+,878A

*. /.n 4E #4#(P 3(&2

4J#o4K& @/.n 4E -A L *,/0/,/8* L *,07-,70+ L .B+,0*7 L +*+,+.B L /.-,*60

*7 ];<2$% 4E #4#(P "$# 3(&2

4J#o4K& 4% /.n 4E #4#(P

3(&2 4J#o4K&

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*8 H;^J;);#F ?4>$%(<$

O(#;4 @nA @*+G*7A L +0.W+-n L +B-W8+n L *.68W-/n L **B-W7*n L -6.W86n




-0\& k8;9LK;KLO6&7L:49F:8<6&;<F8M7&"$,

H;^J;);#F 4E #2$ R("T ;& 5("(<$) IF #2$ M%$(&J%F J")$% #2$ );%$3#;4" 4E #2$ Q&&$# H;(I;P;#F U("(<$5$"# ?455;##$$ @jQH?1hAW V4% #2$ !");( 4:$%(#;4"& 4E #2$ R("T, QH?1 Z!");( ;& %$&:4"&;IP$ E4% #2$ 4>$%(PP 5("(<$5$"# 4E P;^J;);#FW

M2$ R("T )J%;"< #2$ #2%$$ 54"#2& $")$) U(%32 +*, /0*8 5(;"#(;"$) (>$%(<$ ]sHQ @(E#$% 2(;%3J#A 4E O&W -,***,-0. #24J&(") @=%$>;4J& F$(% L O&W /,*-+,*/7 #24J&(")A (<(;"&# #2$ (>$%(<$ P;^J;);#F %$^J;%$5$"# 4E O&W/,*/.,08/ #24J&(") @=%$>;4J& F$(% L O&W*-0,7B- #24J&(")A (# 5;";5J5 H?O %$^J;%$5$"# 4E -0nW ]sHQ :%;5(%;PF ;"3PJ)$) 3(&2, I(P("3$ ;" $93$&& 4E 3(&2 %$&$%>$ %$^J;%$5$"# K;#2 OR! (") <4>$%"5$"# &$3J%;#;$& ;" $93$&& 4E 5;";5J5 &#(#J#4%F P;^J;);#F %(#;4 @NHOA (") #4 #2$ $9#$"# (PP4K$) J")$% 5(%<;"(P &#(");"< E(3;P;#F @UNVA (") E(3;P;#F #4 (>(;P P;^J;);#F E4% H?O @VQHH?OAW

M2$ R("T 2(& I$$" E43J&;"< 4" ;"3%$(&;"< ;#& 34%$ P;(I;P;#;$&, ;"3PJ);"< 3J%%$"# (") &(>;"<& (334J"# @?QNQA )$:4&;#&W R("T 2(& %$:P(3$) #2$ V?CO P;(I;P;#;$& @N:$3;(P V?CO R )$:4&;#&A 4E cNS *.0 5" K;#2 #2$ 3$%#;D3(#$ 4E )$:4&;#& (") UJ#J(P EJ")& )$:4&;#& EJ");"<W 1" U(%32 +*, /0*8, #4: P;(I;P;#F :%4)J3#&G;"&#%J5$"#& (") #2$;% :$%3$"#(<$ 34"#%;IJ#;4" #4 #2$ #4#(P P;(I;P;#;$& 4E #2$ R("T K$%$ ?QNQ )$:4&;#& *6n @=%$>;4J& F$(%Z *+nA, #$%5 )$:4&;#& .+n @=%$>;4J& F$(%Z /8nA (") 3$%#;D3(#$ 4E )$:4&;#& ++n @=%$>;4J& F$(%Z C;PAW VJ%#2$%, #2$ #4#(P I4%%4K;"<& 54I;P;&$) E%45 &;<";D3("# 34J"#$%:(%#;$& @E%45 K245, #2$ EJ")& I4%%4K$) K$%$ 54%$ #2(" *W00n 4E #2$ R("Th& #4#(P P;(I;P;#;$&A, K$%$ +W8+n @=%$>;4J& F$(%Z .nA 4E #2$ #4#(P P;(I;P;#;$& 4E #2$ R("T (# U(%32 +*, /0*8W

M2$ K$;<2#$) 3(&2 4J#o4K& (%$ :%;5(%;PF )%;>$" IF 4#2$% 34"#%(3#J(P EJ");"< 4IP;<(#;4" @U4"$F U(%T$# R4%%4K;"<&A K2;32 ;"3PJ)$& ?$%#;D3(#$ 4E )$:4&;#& 54I;P;&$) IF #2$ R("TW 1#2$% 34"#%(3#J(P EJ");"< 4IP;<(#;4" 34"#%;IJ#$) ..n @=%$>;4J& F$(%Z /7nA 4E #2$ #4#(P K$;<2#$) 3(&2 4J#o4K&W c"&#(IP$ O$#(;P )$:4&;#& (") J"&$3J%$) K24P$&(P$ )$:4&;#& 34"#%;IJ#$) /*n @=%$>;4J& F$(%Z /7nA (") /7n @=%$>;4J& F$(%Z /0nA 4E #2$ #4#(P K$;<2#$) 3(&2 4J#o4K& %$&:$3#;>$PFW M2$ 4#2$% 34"#;"<$"# EJ");"< 4IP;<(#;4"& :%;5(%;PF ;"3PJ)$ I("T <J(%("#$$& @R\&A (") P$##$%& 4E 3%$);# @H?&A ;&&J$) 4" I$2(PE 4E #2$ R("Th& 3P;$"#& (") ;#& 34"#%;IJ#;4" ;" K$;<2#$) 3(&2 4J#o4K ;& /n @=%$>;4J& F$(% L *6nAW

H;^J;);#F %$^J;%$5$"# 4E #2$ R("T 4" (334J"# 4E 5(%T$# >(PJ(#;4" 32("<$& E4% )$%;>(#;>$ #%("&(3#;4"& K(& C;P (& R("T K(& "4# )$(P;"< ;" )$%;>(#;>$&W R("T 5(F I$ %$^J;%$) #4 :4&# ());#;4"(P 34PP(#$%(P )J$ #4 5(%T$# >(PJ(#;4" 32("<$& 4" )$%;>(#;>$ #%("&(3#;4"& @=P(;" `(";PP( :%4)J3#&A &$##P$) #2%4J<2 ?P$(%;"< ?4%:4%(#;4" 4E !");( @??!HA K2;32 ;& ( sJ(P;D$) ?$"#%(P ?4J"#$%:(%#F @s??=A ;" !");(W M2$ 4J#o4K 4" (334J"# 4E 5(%T$# >(PJ(#;4" 32("<$ E4% )$%;>(#;>$ #%("&(3#;4"& K;#2 ??!H 2(& I$$" 34"&;)$%$) I(&$) 4" #2$ :%$&3%;I$) P44T I(3T (::%4(32W

R(&$) 4" #2$ (I4>$, S(;PF (>$%(<$ H?O 4E #2$ R("T E4% #2$ #2%$$ 54"#2& $")$) U(%32 +*, /0*8 K(& +0.n @=%$>;4J& F$(%Z -67nAW

33. Subordinated debt

M2$ I("T 2(& "4# %(;&$) ("F &JI4%);"(#$) )$I# )J%;"< #2$ F$(% $")$) +*&# U(%32 /0*8W

@=%$>;4J& f$(%X C;PA

34. Customer Complaints

'<\&& ];<KL489;<:& 01.=Y.2& 01.AY.=

No.

*W C4W 4E 345:P(;"#& :$");"< (# #2$ I$<;"";"< 4E #2$ F$(% – L

/W C4W 4E 345:P(;"#& %$3$;>$) )J%;"< #2$ F$(% =0 ./

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6W C4W 4E 345:P(;"#& :$");"< (# #2$ $") 4E #2$ F$(% 0 L

M2$ (I4>$ )$#(;P& 2(>$ I$$" I(&$) 4" ;"E4%5(#;4" :%4>;)$) IF #2$ U("(<$5$"#W

& !G;<7:&J;::67&_c&K56& ;M^LMN&*I_87:I;M&

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/W C4W 4E (K(%)& :(&&$) IF #2$ R("T;"< 15IJ)&5(" )J%;"< #2$ F$(% L L

+W C4W 4E (K(%)& ;5:P$5$"#$) )J%;"< #2$ F$(% L L

6W C4W 4E J";5:P$5$"#$) (K(%)& (# #2$ $") 4E #2$ F$(% L L

M2$ (I4>$ )$#(;P& 2(>$ I$$" I(&$) 4" ;"E4%5(#;4" :%4>;)$) IF #2$ U("(<$5$"#W

-A\& 3L:49F:8<6:&FM&36<LO;KLO6:&

P;Q& BF<G;<7&,;K6&!N<66I6MKR&[MK6<6:K&,;K6&'G;J&

M2$ R("T 2(& "4# )$(P# K;#2 ("F V4%K(%) O(#$ Q<%$$5$"# @VOQAG!"#$%$&# O(#$ NK(:& @!ONAW ]$"3$ #2$ );&3P4&J%$ ;" %$&:$3# 4E #2$ &(5$ (") %;&T $9:4&J%$ 4" )$%;>(#;>$& ;& "4# (::P;3(IP$W

(b) Exchange Traded Interest Rate Derivatives

M2$ R("T )4$& "4# )$(P ;" '932("<$ M%()$) !"#$%$&# O(#$ S$%;>(#;>$&W ]$"3$ #2$ );&3P4&J%$ ;" %$&:$3# 4E #2$ &(5$ ;& "4# (::P;3(IP$W

(c) Disclosure on Risk exposure in derivatives

(d) Qualitative Disclosures

M2$ R("T 2(& >$%F P;5;#$) $9:4&J%$ #4 )$%;>(#;>$& #%();"< "(5$PF 4"PF #2%4J<2 E4%K(%) E4%$;<" $932("<$ 34"#%(3#&W

*A M2$ &#%J3#J%$ (") 4%<(";g(#;4" E4% 5("(<$5$"# 4E %;&T ;" )$%;>(#;>$& #%();"<X

M%$(&J%F 4:$%(#;4" ;& &$<%$<(#$) ;"#4 #2%$$ );EE$%$"# )$:(%#5$"#& >;gW E%4"# 4ED3$, 5;)Z4ED3$ (") I(3T 4ED3$W M2$ :%;5(%F %4P$ 4E E%4"# 4ED3$ ;& #4 34")J3# IJ&;"$&&, #2(# 4E 5;)Z4ED3$ ;& #4 $"&J%$ 345:P;("3$ ;" (334%)("3$ K;#2 &$# "4%5& (") :4P;3;$& (") #2(# 4E I(3T 4ED3$ ;& #4 :%43$&&G&$##P$ #2$ #%("&(3#;4"&W

M2$ R("T 2(& ;" :P(3$ :4P;3;$& (") :%43$)J%$&, K2;32 2(>$ I$$" (::%4>$) IF #2$ ]$() 1ED3$, #2$ Q&&$# H;(I;P;#F U("(<$5$"# ?455;##$$ @QH?1A (") #2$ U("(<$5$"# ?455;##$$ @UQC?1UA ;" !");( #4 $"&J%$ ()2$%$"3$ #4 >(%;4J& %;&T :(%(5$#$%& (") :%J)$"#;(P P;5;#&W




& 0Q& )56&:4FJ6&;M7&M;K8<6&FH&<L:^&I6;:8<6I6MK/&<L:^&<6JF<KLMN&;M7&<L:^&IFMLKF<LMN&:c:K6I:e

a) Risk Measurement:

V4% E4%K(%) E4%$;<" $932("<$ 34"#%(3#&, %;&T ;& 5$(&J%$) #2%4J<2 ( )(;PF %$:4%# 3(PP$), (PJ$ (# O;&T @`(OA, K2;32 345:J#$& (O 4" #2$ E4%$9 <(:& J&;"< V'SQ! (O E(3#4%&W

b) Risk Reporting and Risk monitoring systems:

M2$ R("T 2(& #2$ E4PP4K;"< %$:4%#&G&F&#$5& ;" :P(3$, K2;32 (%$ %$>;$K$) IF #2$ #4: 5("(<$5$"#X

@;A `(PJ$ (# O;&T @`(OA @;;A C$# 4:$" :4&;#;4" @;;;A Q\HG!\H @;>A N#4: P4&& P;5;#& @>A R("TP;"$ P;5;#&

3) Policies for hedging and/or mitigating risk and strategies and processes for monitoring the continuing effectiveness of hedges/mitigants:

M2$ R("T 2(& #2$ E4PP4K;"< :4P;3F :(:$%& ;" :P(3$, (::%4>$) IF ;#& ]$() 1ED3$ (") #2$ U("(<$5$"# ?455;##$$ @UQC?1UA ;" !");(W (A M%$(&J%F :4P;3F (") IA Q&&$# L H;(I;P;#F U("(<$5$"# @QHUA =4P;3F

M2$ R("T 54";#4%& #2$ 2$)<$&G5;#;<("#& 4" ( 34"#;"J4J& I(&;& #2%4J<2 )(;PF (") 54"#2PF %$:4%#& #2(# (%$ %$>;$K$) IF #2$ )$(P;"< %445G#4: 5("(<$5$"#W

4) Accounting policy: QPP 4J#&#(");"< )$%;>(#;>$ #%("&(3#;4"& (%$ I44T$) (& 1EE R(P("3$ N2$$# ;#$5&W M2$ #%();"< :4&;#;4"& (%$ %$>(PJ$) 4" ( U(%T$) #4 U(%T$# I(&;& K2$%$(& #2$ 2$)<;"< )$(P& E4PP4K #2$ (33%J(P I(&;& 4E (334J"#;"<W

Quantitative Disclosure @O&W 000h&A

'<\& ];<KL489;<:& $8<<6M4c&:G;J:&PBF<G;<7&BF<6LNM

No exchange contracts and Spot Contracts)

& & & & & & 01.=Y.2 01.AY.=

1 Derivatives (Notional Principal Amount)

(A V4% 2$)<;"< 0/>.?/0A1 ../.A2/-@0

IA V4% #%();"< @/>1-/02. -/?=@/1.?

0& +;<^67&KF&+;<^6K&]F:LKLFM:&P#6KQ

(A Q&&$# @qA 00/AA? .A/2-0

IA H;(I;P;#F @ZA P?./?>>Q P2@-Q

3 Credit Exposure .2?/>?> -.=/.A>

@& "L^69c&LIJ;4K&FH&FM6&J6<46MK;N6&45;MN6&LM&LMK6<6:K&<;K6&P.11j]Z1.Q Not Applicable Not Applicable

(A 4" 2$)<;"< )$%;>(#;>$&

IA 4" #%();"< )$%;>(#;>$&

A& +;bLI8I&;M7&+LMLI8I&FH&.11j]Z1.&F_:6<O67&78<LMN&K56&c6;<& #FK&!JJ9L4;_96 Not Applicable

(A 4" 2$)<;"<

IA 4" #%();"<

& =& Z;,&FM&BbYBF<G;<7:& Q& (# R(P("3$ N2$$# )(#$ ../1-2 .=/-@2

U(9;5J5 )J%;"< #2$ F$(% 00/1.A 0./?A0

U;";5J5 )J%;"< #2$ F$(% ?/1@1 @/0@>

-=\& %IJ9Fc66& 6M6SK:

M2$ E4PP4K;"< #(IP$ &$#& 4J# #2$ &#(#J& 4E #2$ )$D"$) I$"$D# \%(#J;#F =P(" (& %$^J;%$) J")$% Q334J"#;"< N#(")(%) *. @O$>;&$) /00.AX

@O&W000h&A

];<KL489;<:& & & 01.=Y.2& 01.AY.=

& & $5;MN6&LM&K56&J<6:6MK&O;986&FH&76SM67&_6M6SK&F_9LN;KLFM& &

=%$&$"# >(PJ$ 4E )$D"$) I$"$D# 4IP;<(#;4" (# #2$ I$<;"";"< 4E #2$ F$(% 0>/.-A 02/201

!"#$%$&# ?4&# 0/0?2 0/.>A

?J%%$"# N$%>;3$ ?4&# @/?>2 -/?-1

H4&&$&G@\(;"&A 4" 3J%#(;P5$"# L –

R$"$D# =(;) P./0..Q P@/>-1Q

Q3#J(%;(P @\(;"AGP4&& 4" 4IP;<(#;4"& ./1>2 -01

$9F:LMN&O;986&FH&76SM67&_6M6SK&F_9LN;KLFM&;K&K56&6M7&FH&K56&c6;<& -=/01=& /B,*+.

Change in Plan Assets

1:$";"< V(;% >(PJ$ 4E :P(" (&&$#& (# #2$ I$<;"";"< 4E #2$ F$(% A./=@A A0/@.A

'9:$3#$) O$#J%" 4" :P(" (&&$#& @/1A@ @/.A.

?4"#%;IJ#;4" IF '5:P4F$% -@0 –

R$"$D# =(;) P./0..Q P@/>-1Q

Q3#J(%;(P \(;"G@P4&&A 4" :P(" (&&$#& L )J$ #4 $9:$%;$"3$ P0=>Q >

& & $9F:LMN&B;L<&O;986&FH&J9;M&;::6K:&;K&K56&6M7&FH&K56&c6;<& A@/A=.& A./=@A




Reconciliation of present value of obligation and fair value of plan assets

=%$&$"# (PJ$ 4E VJ")$) 4IP;<(#;4" (# #2$ $") 4E #2$ F$(% P-=/01=Q @/B,*+.A V(;% (PJ$ 4E :P(" (&&$#& (# #2$ $") 4E #2$ F$(% A@/A=. .*,76. S$D3;#G@NJ%:PJ&A P.?/-A=Q @//,.*0A c"%$34<";g$) =(&# N$%>;3$ ?4&# – L H;(I;P;#FG@Q&&$#A %$34<";g$) ;" #2$ R(P("3$ N2$$# P.?/-A=Q @//,.*0A !IF8MK&,64FNMLg67&LM&K56& ;9;M46&:566K

H;(I;P;#;$& – L Q&&$#& P.?/-A=Q @//,.*0A

#6K&"L;_L9LKcRP!::6KQ&<64FNMLg67&LM& ;9;M46&:566K& P.?/-A=Q& P00/A.1Q

& & #6K&$F:K&<64FNMLg67&LM&K56&]<FSK&;M7&"F::&!44F8MK& 01.=Y.2& 01.AY.=

?J%%$"# N$%>;3$ ?4&#& @/?>2& -/?-1

!"#$%$&# ?4&# 0/0?2 /,*B. '9:$3#$) O$#J%" 4" =P(" Q&&$#& P@/1A@Q @6,*.*A C$# Q3#J(%;(P @\(;"AGH4&& %$34<";g$) ;" #2$ F$(% ./-=2 +** =(&# N$%>;3$ ?4&# – L H4&&$&G@\(;"&A 4" 3J%#(;P5$"#& (") &$##P$5$"#& – L

& & %bJ6M:6:&,64FNMLg67&LM&K56&]<FSK&;M7&"F::&!44F8MK& P@/@>2Q& P0/.?AQ

Reconciliation of expected return and actual return on Plan Assets

'9:$3#$) O$#J%" 4" =P(" Q&&$#& @/1A@ 6,*.* Q3#J(%;(P \(;"G@H4&&A %$34<";g$) ;" #2$ F$(% P0=>Q B

!4K8;9&,6K8<M&FM&]9;M&!::6K:& -/2?A& @/.=1

+FO6I6MK&LM&K56&#6K&"L;_L9LKcR!::6K&<64FNMLg67&LM&K56& ;9;M46&'566K& &

1:$";"< C$# H;(I;P;#FG@Q&&$#A (& (# #2$ I$<;"";"< 4E #2$ F$(% P00/A.1Q @/6,7B.A& & %bJ6M:6:&,64FNMLg67&LM&K56&]<FSK&;M7&"F::&!44F8MK& @/@>2& 0/.?A

@R$"$D# :(;) );%$3#PF IF #2$ $5:P4F$%A – L ?4"#%;IJ#;4"& P-@0Q L

& & $9F:LMN&#6K&"L;_L9LKcRP!::6KQ&;:&;K&K56&6M7&FH&K56&c6;<& P.?/-A=Q& P00/A.1Q

& & [MO6:KI6MK&8M76<&]9;M&!::6K:&FH& <;K8LKc&B8M7&;:&;K&c6;<&6M7&;<6&;:&HF99FG:&e

& & $;K6NF<c&FH&!::6K:&& f&FH&]9;M&!::6K:

& & & & & & 01.=Y.2& 01.AY.=

?(&2 (") 3(&2 $^J;>(P$"# -\A0f 0\=.f

!"&J%("3$ VJ") @K;#2 H;E$ !"&J%("3$ ?4%:4%(#;4" 4E !");(A >1\>?f ?=\A2f

1#2$%& @V;9$) )$:4&;#A A\A1f A\@2f

& & )FK;9& & & & .11\11f& .11\11f

Principal Actuarial assumptions :

S;&34J"# O(#$ =\?0f 2\?Af

'9:$3#$) O(#$ 4E O$#J%" 4" =P(" Q&&$# =\?0f 2\?Af

N(P(%F '&3(P(#;4" .1\11f .1\11f

Q##%;#;4" %(#$ Service 4 years Service 4 years

;M7&_69FGe& ;M7&_69FGe&

.Af&J\;&;M7 .Af&J\;&;M7&

K56<6;HK6<&Af&J\; K56<6;HK6<&Af&J\;

M2$ $9:$3#$) %$#J%" 4" :P(" (&&$#& ;& )$#$%5;"$) I(&$) 4" #2$ (&&J5:#;4"& 5()$ IF R("T (# #2$ I$<;"";"< 4E #2$ F$(% I(&$) 4" ;#& $9;&#;"< :4%#E4P;4W

& & %bJ6<L6M46&;7h8:KI6MK& 01.=Y.2& 01.AY.=& [email protected]& 01.-Y.@& 01.0Y.-

S$D"$) I$"$D# 4IP;<(#;4" -=/01A /B,*+. /8,8/0 //,8.6 .8,/0- =P(" (&&$#& A./=@A .*,76. ./,6*. ./,-88 70,+8B @NJ%:PJ&AGS$D3;# P.?/-A=Q @//,.*0A @/6,7B.A @+0,*/+A @+,*8*A '9:$%;$"3$ ()aJ&#5$"# 4" :P(" P;(I;P;#;$& L \(;"G@H4&&A& ./2.1 @*7*A @/,*77A *.,**7 6BB '9:$%;$"3$ ()aJ&#5$"# 4" :P(" (&&$#& L \(;"G@H4&&A P0=>Q B @*-+A @8-BA 88

$FIJ6M:;K67&!_:6M46:e& 01.=Y.2& 01.AY.=

M2$ (3#J(%;(P P;(I;P;#F 4E 345:$"&(#$) (I&$"3$& 4E $"3(&2(IP$ (33J5JP(#$) :%;>;P$<$ P$(>$ (& (# F$(% $") ;& .-7 *,86.

'&#;5(#$& 4E EJ#J%$ &(P(%F ;"3%$(&$&, 34"&;)$%$) ;" (3#J(%;(P >(PJ(#;4", #(T$ (334J"# 4E ;"o(#;4", &$";4%;#F, :%454#;4" (") 4#2$% %$P$>("# E(3#4%&, &J32 (& &J::PF (") )$5(") ;" #2$ $5:P4F5$"# U(%T$#W NJ32 $&#;5(#$& (%$ P4"< #$%5 (") (%$ "4# I(&$) 4" P;5;#$) :(&# $9:$%;$"3$G;55$);(#$ EJ#J%$W

Provident Fund:

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XM;IF<KLg67&]6M:LFM&;M7& <;K8LKc&"L;_L9LKL6:e

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Ultimate Parent: \4>$%"5$"# 4E QIJ S2(I; #2%4J<2 QIJ S2(I; !">$&#5$"# ?4J"3;P

Parent: QIJ S2(I; ?455$%3;(P R("T =W[WNW?W, QIJ S2(I; Z ]$() 4ED3$W

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R4%%4K;"<& – – – – – –

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Particulars Maximum during Minimum during Outstanding as on

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*W M%$(&J%F 1:$%(#;4"& /W ?4%:4%(#$GY24P$&(P$ R("T;"< +W O$#(;P R("T;"<

M%$(&J%F 4:$%(#;4"& 34"&;&# 4E $"#;%$ ;">$&#5$"# :4%#E4P;4 (") E4%$;<" $932("<$ 4:$%(#;4"&W ?4%:4%(#$GY24P$&(P$ R("T;"< 4:$%(#;4"& 345:%;&$ P$");"< (3#;>;#F ;"3PJ);"< #%()$ D"("3$ #4 I4%%4K$%& 4#2$% #2(" #24&$ ;" %$#(;P 4:$%(#;4"&W O$#(;P R("T;"< 4:$%(#;4"& 345:%;&$ 4E )$:4&;#4%F (3#;>;#;$&, :4%#E4P;4 ;">$&#5$"# (3#;>;#;$&, P$");"< (3#;>;#F #4 ;");>;)J(P& (") &5(PP (") 5$);J5 &;g$) $"#$%:%;&$& (& (P&4 54I;P;g(#;4" 4E )$:4&;#&W M2$ R("T )4$& "4# 2(>$ ("F 4#2$% I("T;"< 4:$%(#;4"W QPP ;#$5& K2;32 3(""4# I$ (PP43(#$) J")$% ("F 4E #2$ (I4>$ (%$ 3P(&&;D$) (& c"(PP43(#$)W '"#;%$ Vi %$P(#$) %$>$"J$& (") 34&#& I4#2 2$)<;"< (") #%();"< (%$ (PP43(#$) #4 M%$(&J%F (& #2$F (%$ J")$%#(T$" IF M%$(&J%F #4 5("(<$ R(P("3$ N2$$# (& K$PP (& $(%" ;"345$W

M2$ R("T 4:$%(#$& 4"PF ;" )45$&#;3 &$<5$"# (") 2$"3$ ;"E4%5(#;4" K;#2 %$<(%) #4 <$4<%(:2;3(P &$<5$"#& ;& "4# <;>$"W

Information about Primary Business Segments is as under:

=(%# QX RJ&;"$&& &$<5$"#&

& & 01.=Y.2& & & & @O&W 000h&A

Business Segments /Particulars Treasury Corporate/ Retail Banking Total

Operations Wholesale

Banking

N$<5$"# O$>$"J$ >21/?.>& ./0=@/.>.& ./100/->2& -/0A2/@12

Q))G@H$&&AX !"#$%Z&$<5$"# P./11>/A0.Q

O$>$"J$ "$# 4E !"#$%Z&$<5$"# 0/0@2/??=

Segment Results .->/202& 0@A/A@-& 0.1/10=& A>A/0>=

c"(PP43(#$) $9:$"&$& P0>1/-=?Q

1:$%(#;"< =%4D# -1@/>0?

!"345$ M(9 ;"3PJ);"< )$E$%%$) #(9 P.@=/@2-Q

'9#%(4%);"(%F =%4D# G@H4&&A

#6K&]<FSK .A?/@AA

Other Information:

N$<5$"# Q&&$#& ../.@0/02A& 0-/1>-/=A0& -0/>->& -@/0=?/?==

c"(PP43(#$) (&&$#& @?0/A22

)FK;9&!::6K:& && && && & & -@/2A./@@-

N$<5$"# H;(I;P;#;$& 0/-==/0?2& .>/1.0/0-0& >/@0-/A>0& -1/?10/...

c"(PP43(#$) P;(I;P;#;$& .1@/1-@

& & )FK;9&"L;_L9LKL6:& && && && & -1/>1=/.@A

01.AY.=&& @O&W 000h&A

Business Segments /Particulars Treasury Corporate/ Retail Banking Total

Operations Wholesale

Banking

N$<5$"# O$>$"J$ 8B.,.87 *,/.B,6/6 *,++6,7*0 -/-?>/=.1

Q))G@H$&&AX !"#$%Z&$<5$"# P./-0./0@1Q

O$>$"J$ "$# 4E !"#$%Z&$<5$"# 0/1=?/-21

N$<5$"# O$&JP#& *--,7-- /++,+7* *6.,006 A=2/1A-

c"(PP43(#$) $9:$"&$& P02?/..2Q

1:$%(#;"< =%4D# /--,B+7

!"345$ M(9 ;"3PJ);"< )$E$%%$) #(9 P..=/220Q

'9#%(4%);"(%F =%4D# G@H4&&A

C$# =%4D# .20/.=@

Other Information

N$<5$"# Q&&$#& .,6/6,.*B *B,B+-,6-/ 68,/.7 0A/@.1/0A2

c"(PP43(#$) (&&$#& ./A01/=.@

Total Assets 0=/>-1/?2.

N$<5$"# H;(I;P;#;$& *,8-0,67. /,078,**- *B,/-B,*70 0-/.-=/2@-

c"(PP43(#$) P;(I;P;#;$& .12/0?A

Total Liabilities 0-/0@@/10?

Notes on Segment Reporting

*A M2$ I("T 2(& #2%$$ 5(;" P;"$& 4E IJ&;"$&& L M%$(&J%F, ?4%:4%(#$ R("T;"< (") O$#(;P R("T;"<

/A M2$ M%$(&J%F S$:(%#5$"# ;& %$&:4"&;IP$ E4% #2$ $"#;%$ R(P("3$ N2$$# U("(<$5$"# (") 5("(<;"< #2$ Q&&$#ZH;(I;P;#F 5;&5(#32 E4% #2$ I("TW

+A M2$ EJ")& (%$ #%("&E$% :%;3$) IF M%$(&J%F )$:(%#5$"# #4 #2$ ?4%:4%(#$ (") O$#(;P R("T;"< )$:(%#5$"#& (# ()aJ&#$) K$;<2#$) (>$%(<$ 34&# 4E #2$ EJ")&, (334%);"<PF ;"#$% &$<5$"# %$&JP#& ;& 345:J#$) E4% %$&:$3#;>$ &$<5$"#&W

!" (PP43(#;4" 4E &45$ ;#$5& 4E $9:$"&$&G;"345$ (") (&&$#GP;(I;P;#;$&, 3$%#(;" $&#;5(#$& (") (&&J5:#;4"& 2(>$ I$$" 5()$ IF #2$ 5("(<$5$"#, K2;32 2(& I$$" %$P;$) J:4" IF #2$ (J);#4%&W




41. Letters of Comfort

M2$ R("T 2(& "4# ;&&J$) ("F H$##$%& 4E ?45E4%# )J%;"< #2$ F$(% (") #2$%$ (%$ "4 H$##$%& 4E ?45E4%# 4J#&#(");"< (& (# #2$ F$(% $")W @=%$>;4J&

f$(%X C;PA

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@0\.& $9;LI:&;N;LM:K&K56& ;M^&MFK&;4^MFG967N67&;:&76_Ke&

M2$ R("T ;& ( :(%#F #4 >(%;4J& P$<(P :%43$$);"<& ;" #2$ "4%5(P 34J%&$ 4E IJ&;"$&&W M2$ R("T )4$& "4# $9:$3# #2$ 4J#345$ 4E #2$&$

:%43$$);"<& #4 2(>$ ( 5(#$%;(P ()>$%&$ $EE$3# 4" #2$ R("Th& D"("3;(P 34");#;4"&, %$&JP#& 4E 4:$%(#;4"& 4% 3(&2 4J#o4KW M2$ R("T 2(&

)$:4&;#$) O&W 8B,688 #24J&(") @:$%#(;";"< #4 :$%;4) 13#4I$% /00B #4 U(%32 /0*.A J")$% :%4#$&# #4K(%)& &$%>;3$ #(9 4" 2$() 4ED3$

$9:$");#J%$W

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M2$ R("T $"#$%& ;"#4 &:4# 34"#%(3#& K;#2 ;"#$%I("T :(%#;3;:("#& #4 34>$% 4:$" :4&;#;4" (%;&;"< 4" (334J"# 4E #%("&(3#;4"& J")$%#(T$"

K;#2 #2$ I("T& (") 3J&#45$%&W M2$ R("T $"#$%& ;"#4 E4%K(%) $932("<$ 34"#%(3# K;#2 ;"#$%ZI("T :(%#;3;:("#& 4" ;#& 4K" (334J"# (")

E4% ;#& 3J&#45$%&W V4%K(%) $932("<$ 34"#%(3#& (%$ 3455;#5$"#& #4 IJF 4% &$PP E4%$;<" 3J%%$"3F (# ( EJ#J%$ )(#$ (# #2$ 34"#%(3#$) %(#$W

M2$ "4#;4"(P (54J"#& 4E D"("3;(P ;"&#%J5$"#& &J32 (& E4%K(%) $932("<$ 34"#%(3#& :%4>;)$ ( I(&;& E4% 345:(%;&4" K;#2 ;"&#%J5$"#&

%$34<";g$) 4" #2$ I(P("3$ &2$$# IJ# )4 "4# "$3$&&(%;PF ;");3(#$ #2$ (54J"#& 4E EJ#J%$ 3(&2 o4K& ;">4P>$) 4% #2$ 3J%%$"# E(;% >(PJ$ 4E

#2$ ;"&#%J5$"#& ("), #2$%$E4%$, )4 "4# ;");3(#$ #2$ R("Th& $9:4&J%$ #4 3%$);# 4% :%;3$ %;&T&W M2$ )$%;>(#;>$ ;"&#%J5$"#& I$345$

E(>4%(IP$ @(&&$#&A 4% J"E(>4%(IP$ @P;(I;P;#;$&A (& ( %$&JP# 4E oJ3#J(#;4"& ;" 5(%T$# %(#$& 4% :%;3$& %$P(#;>$ #4 #2$;% #$%5&W

@0\-& `8;<;MK66:&NLO6M&FM&_65;9H&FH&4FM:KLK86MK:/&!446JK;M46:/&%M7F<:6I6MK:&;M7&FK56<&F_9LN;KLFM:e

Q& ( :(%# 4E ;#& 3455$%3;(P I("T;"< (3#;>;#;$& #2$ R("T ;&&J$& )43J5$"#(%F 3%$);# (") <J(%("#$$& 4" I$2(PE 4E ;#& 3J&#45$%&W

S43J5$"#(%F 3%$);#& &J32 (& P$##$%& 4E 3%$);# $"2("3$ #2$ 3%$);# &#(");"< 4E #2$ 3J&#45$%& 4E #2$ R("TW \J(%("#$$& <$"$%(PPF

%$:%$&$"# ;%%$>43(IP$ (&&J%("3$& #2(# #2$ R("T K;PP 5(T$ :(F5$"#& ;" #2$ $>$"# 4E #2$ 3J&#45$% E(;P;"< #4 EJPDPP ;#& D"("3;(P 4%

:$%E4%5("3$ 4IP;<(#;4"&W

@0\@& *K56<&LK6I:&HF<&G5L45& ;M^&L:&4FMKLMN6MK9c&9L;_96e

M2$ R("T ;& ;" );&:J#$ E4% >(%;4J& #(9(#;4" 5(##$%& E4% K2;32 (::$(P& (%$ :$");"<W !" R("Th& >;$K, I(&$) 4" >(%;4J& (::$PP(#$

)$3;&;4"& 4" ;)$"#;3(P ;&&J$&, ;# ;& "4# :%4I(IP$ #2(# D"("3;(P 4J#o4K ;" %$&:$3# 4E #2$ &(;) (54J"#& J")$% &$##P$5$"# K;PP I$ %$^J;%$)W

M2;& (P&4 ;"3PJ)$& 34"#;"<$"# P;(I;P;#F 34%%$&:4");"< #4 (54J"# #%("&E$%%$) #4 S$:4&;#4% ')J3(#;4" (") QK(%$"$&& VJ")W

43. Disclosure on Remuneration

Qualitative Disclosures

(a) !"E4%5(#;4" %$P(#;"< #4 #2$ 345:4&;#;4" (") x QS?R !");( ;& ( I%("32 4E QS?R =[N?W M2$%$ ;& "4 &$:(%(#$ 5(")(#$ 4E #2$ O$5J"$%(#;4" ?455;##$$W %$5J"$%(#;4" 3455;##$$ ;" !");(W M2$ (""J(P %$>;$K 4E %$5J"$%(#;4"

4E !");( &#(EE ;& (::%4>$) (# ]$() 1ED3$, J")$% #2$ &J:$%>;&;4" 4E QS?Rh& R4(%) C45;"(#;4", ?45:$"&(#;4" (") ]O ?455;##$$ (") ;" 34"&JP#(#;4" K;#2 ?'1 Z QS?R, ]$() O$K(%)& Z QS?R, ]$() 4E Y\R Z QS?R, ?'1 Z QS?R, !");( (") ]O, !");(W

(b) !"E4%5(#;4" %$P(#;"< #4 #2$ )$&;<" (") x M2$ R("T ;" !");( E4PP4K& (" (""J(P (::%(;&(P 3F3P$ (") %$5J"$%(#;4" &#%J3#J%$ 4E %$5J"$%(#;4" :%43$&&$& (") #4 $5:P4F$$& (%$ &:P;# ;"#4 D9$) (") >(%;(IP$ @;"3PJ);"< &2(%$& 4E QS?R #2$ T$F E$(#J%$& (") 4Ia$3#;>$& 4E ]1A )$:$");"< 4" a4I %$^J;%$5$"#& (") ;& (P&4 P;"T$) #4 34%:4%(#$ (") %$5J"$%(#;4" :4P;3FW :$%&4"(P :$%E4%5("3$W

(c) S$&3%;:#;4" 4E #2$ K(F& ;" K2;32 3J%%$"# (") x QS?R 2(& :%(3#;3$& (") :4P;3;$& ;" :P(3$ K2;32 :%454#$ $EE$3#;>$ %;&TZ EJ#J%$ %;&T& (%$ #(T$" ;"#4 (334J"# ;" #2$ 5("(<$5$"#W M2$ R("T (P;<"& $5:P4F$$h& :$%E4%5("3$ #4 #2$ R("Th& %$5J"$%(#;4" :%43$&&$&W !# &24JP) ;"3PJ)$ #2$ &#%(#$<FW "(#J%$ (") #F:$ 4E #2$ T$F 5$(&J%$& J&$) #4 #(T$ (334J"# 4E #2$&$ %;&T&W

(d) S$&3%;:#;4" 4E #2$ K(F& ;" K2;32 #2$ I("T &$$T& x V;9$) (") >(%;(IP$ :(F %$K(%)& (%$ )$&;<"$) #4 I$ :$%E4%5("3$ #(%<$# #4 P;"T :$%E4%5("3$ )J%;"< ( :$%E4%5("3$ I(&$) (") (P;<"$) K;#2 &2(%$24P)$%&h ;"#$%$&#&W =$%E4%5("3$ 4E (PP &#(EE 5$(&J%$5$"# :$%;4) K;#2 P$>$P& 4E %$5J"$%(#;4"W ;& (::%(;&$) 4" (" (""J(P I(&;&W

x V;9$) ?45:$"&(#;4" L (PP $5:P4F$$& (%$ $P;<;IP$ E4% D9$) 345:$"&(#;4"W M2$ I%4() 345:4"$"#& 4E D9$) :(F (%$ R(&;3, ]4J&$ O$"# QPP4K("3$ @]OQA, N:$3;(P QPP4K("3$, ?4">$F("3$, U$);3(P, H$(>$ M%(>$P QPP4K("3$ =%4>;)$"# VJ"), \%(#J;#F $#3W

x `(%;(IP$ 345:$"&(#;4" L (%;(IP$ :(F P(%<$PF )$:$")& J:4" :$%E4%5("3$ 4E #2$ $5:P4F$$, :$%E4%5("3$ 4E #2$ I("T ;" !");( (& K$PP (& #2$ :$%E4%5("3$ 4E #2$ R("T <P4I(PPFW M2$ >(%;(IP$ :(F ;& <$"$%(PPF :(;) #4 (PP $5:P4F$$& ;E #2$;% :$%E4%5("3$ ;& %(#$) &(#;&E(3#4%F 4% (I4>$W =(%# 4E #2$ >(%;(IP$ :(F IF K(F 4E <%("# 4E &2(%$& 4E QS?R ]1 #4 &$P$3# $5:P4F$$& (%$ )$E$%%$) (") >$&# (E#$% #2%$$ #4 E4J% F$(%&W

x QS?R &$$T& #4 $"&J%$ #2(# %$5J"$%(#;4" :(3T(<$& %$o$3# )J#;$& (") %$&:4"&;I;P;#;$& (") %$K(%)& (%$ P;"T$) #4 34%:4%(#$ (") :$%&4"(P :$%E4%5("3$W




(e) Q );&3J&&;4" 4E #2$ I("Th& :4P;3F 4" )$E$%%(P x Q& :$% #2$ 3J%%$"# &#%J3#J%$ L $5:P4F$$h& 345:$"&(#;4" 34"&;&#& 4E D9$), (") >$&#;"< 4E >(%;(IP$ %$5J"$%(#;4" (") ( >(%;(IP$ E4% $5:P4F$$& (") ());#;4"(PPF )$E$%%$) &2(%$& @4E QS?R );&3J&&;4" 4E #2$ I("Th& :4P;3F (") 3%;#$%;( E4% =[N?, ]1A E4% &45$ &$P$3# $5:P4F$$&W M2$&$ &2(%$& (%$ <%("#$) (# "4 ()aJ&#;"< )$E$%%$) %$5J"$%(#;4" I$E4%$ >$&#;"< 34&# #4 #2$ $5:P4F$$ (") >$&#& $"#;%$PF 4>$% ( :$%;4) 4E #2%$$ #4 E4J% F$(%&W (") (E#$% >$&#;"<W !" 3(&$ 4E 3$&&(#;4"& 4E $5:P4F5$"#, )J$ #4 %$&;<"(#;4", );&5;&&(P 4%

E4% ("F 4#2$% %$(&4", #2$ J">$&#$) )$E$%%$) &2(%$& K;PP I$ 34"&;)$%$) (& E4%E$;#$) (# #2$ :4;"# #2(# "4#;3$ 4E 3$&&(#;4" 4E $5:P4F5$"# ;& <;>$"W$

(f) S$&3%;:#;4" 4E #2$ );EE$%$"# E4%5& 4E >(%;(IP$ x =%$&$"#PF >(%;(IP$ :(F ;& 5(;"PF ;" #2$ E4%5 4E ?(&2 QK(%)&W Q));#;4"(PPF, %$5J"$%(#;4" @;W$W 3(&2, &2(%$&, 'N1=& (") #4 $"&J%$ P4"< #$%5 %$#$"#;4" 4E &$P$3# $5:P4F$$&, &45$ 4E #2$5 (%$ <%("#$) 4#2$% E4%5&A #2(# #2$ I("T J#;P;g$& (") #2$ &2(%$& 4E QS?R =[N?, ]1 K2;32 >$&# $"#;%$PF (E#$% #2%$$ #4 E4J% F$(%&W %(#;4"(P$ E4% J&;"< #2$&$ );EE$%$"# E4%5&W

k8;MKLK;KLO6&3L:49F:8<6:& 01.=Y.2& 01.AY.=

(g) CJ5I$% 4E 5$$#;"<& 2$P) IF #2$ O$5J"$%(#;4" ?455;##$$ )J%;"< #2$ D"("3;(P F$(% (") %$5J"$%(#;4" :(;) #4 ;#& 5$5I$%&W CQ CQ

(h) @;A CJ5I$% 4E $5:P4F$$& 2(>;"< %$3$;>$) ( >(%;(IP$ %$5J"$%(#;4" (K(%) )J%;"< #2$ D"("3;(P F$(%W B_ *0_ @;;A CJ5I$% (") #4#(P (54J"# 4E &;<"Z4" (K(%)& 5()$ )J%;"< D"("3;(P F$(%W C!H C!H @;;;A S$#(;P& 4E <J(%("#$$) I4"J&, ;E ("F, :(;) (& a4;";"<G&;<" 4" I4"J&e C!H C!H @;>A S$#(;P& 4E &$>$%("3$ :(F, ;" ());#;4" #4 (33%J$) I$"$D#&, ;E ("Fe C!H C!H

(i) @;A M4#(P (54J"# 4E 4J#&#(");"< )$E$%%$) Shares of ADCB PJSC HO– N2(%$& 4E QS?R =[N? ]1L %$5J"$%(#;4", &:P;# ;"#4 3(&2, &2(%$& (") PO;9867&;K&K56&;G;<7&J<L46Qe @>(PJ$) (# #2$ (K(%) :%;3$AX &2(%$ZP;"T$) ;"&#%J5$"#& (") 4#2$% E4%5&W ,:\&.A/@.1&PBF<&KFK;9&$F8MK&> O&W8,*8* V4% #4#(P ?4J"# *0 FH&G5L45&$F8MK&HF<&,L:^ 4E K2;32 ?4J"# E4% );^6<:&L:&= O;&T M(T$%& ;& . @;;A M4#(P (54J"# 4E )$E$%%$) %$5J"$%(#;4" :(;) 4J# ;" D"("3;(P F$(%W NIL C!H

(j) R%$(T)4K" 4E (54J"# 4E %$5J"$%(#;4" (K(%)& BLb67&];cn&e&,:\A./?.- V;9$) =(F X O&W .*,6B* E4% #2$ D"("3;(P F$(% #4 &24K D9$) (") P$F8MK&.1Q @?4J"# **A >(%;(IP$, )$E$%%$) (") "4"Z)$E$%%$)W Z;<L;_96&];c&e&,:\&?/=>? `(%;(IP$ =(F X O&W B,B-/ P$F8MK&e&>Q @?4J"# X *0A Shares of ADCB PJSC HO– N2(%$& 4E QS?R =[N? ]1L PO;9867&;K&K56&;G;<7&J<L46Qe @>(PJ$) (# #2$ (K(%) :%;3$AX ,:\&?/2?0 O&W 8,*8* PBF<&KFK;9&$F8MK&>&FH&G5L45& V4% #4#(P ?4J"# *0 4E K2;32 $F8MK&HF<&,L:^&);^6<:&L:&=Q ?4J"# E4% O;&T M(T$%& ;& .

(k) @;A M4#(P (54J"# 4E 4J#&#(");"< )$E$%%$) remuneration and retained remuneration $9:4&$) #4 $9 :4&# $9:P;3;# (")G4% ;5:P;3;# ()aJ&#5$"#&W C!H C!H @;;A M4#(P (54J"# 4E %$)J3#;4"& )J%;"< #2$ D"("3;(P F$(% )J$ #4 $9Z :4&# $9:P;3;# ()aJ&#5$"#&W C!H C!H @;;;A M4#(P (54J"# 4E %$)J3#;4"& )J%;"< #2$ D"("3;(P F$(% )J$ #4 $9Z :4&# ;5:P;3;# ()aJ&#5$"#&W C!H C!H

e V;9$) :(F E4% $5:P4F$$& ;"3PJ)$& R(&;3 N(P(%F, ]4J&$ O$"# QPP4K("3$, NJ::P$5$"#(%F QPP4K("3$&, ?4 34"#%;IJ#;4" #4 :%4>;)$"# EJ") (") 4#2$% (54J"#& :(;) )J%;"< #2$ D"("3;(P F$(% /0*7Z/0*8

_ !"3PJ)$& (PP M%$(&J%F $5:P4F$$& (") 4#2$% IJ&;"$&& $5:P4F$$& E4% <%()$& '/, '+ (") '6W

r Vf /0*.Z*7 K(& #2$ D%&# F$(% ;" K2;32 &2(%$& K$%$ (PP4##$) (") "4 &2(%$& 2(>$ >$&#$) ;" #2$ F$(%& Vf /0*.Z*7 4% Vf /0*7Z*8W

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