Page 266 - Demo

Notes to financial statements
for the year ended March 31, 2020
22 segMeNT RePORTINg
In accordance with the guidelines issued by RBI & AS-17, the Bank has adopted Segment Reporting as under:
A) Treasury :
the treasury Segment primarily consists of net interest earnings from the Bank’s Investment portfolio, money market borrowing and lending, gains or losses on Investment operations and income from sale of pSlC.
b) Retail banking:
the Retail Banking Segment serves retail customers through a branch network and other delivery channels. Retail Banking includes lending to and deposits from retail customers and identified earnings and expenses of the segment. this segment raises deposits from customers and provides loans and other services to customers. Revenues of the retail banking segment are derived from interest earned on retail loans, processing fees earned and other related incomes. expenses of this segment primarily comprise interest expense on deposits & Borrowings, infrastructure and premises expenses for operating the branch network and other delivery channels, personnel costs, other direct overheads and allocated expenses.
C) Corporate/ Whole sale banking:
the Wholesale Banking Segment provides loans to Corporates and Financial Institutions. Revenues of the wholesale banking segment consist of interest earned on loans made to customers. the principal expenses of the segment consist of interest expense on funds borrowed from external sources and other internal segments, premises expenses, personnel costs, other direct overheads and allocated expenses of delivery channels, specialist product groups, processing units and support groups.
(` in 000's)
Sr. No
Business Segments
Treasury
Part A: Business segments
Retail Banking
Corporate/ Wholesale Banking
Total
Particulars
31/03/2020
31/03/2020
31/03/2020
31/03/2020
1,978,149
27,726,765
553,222
30,258,136
-
-
-
-
-
-
-
-
1,978,149
27,726,765
553,222
30,258,136
424,083
4,884,498
15,323
5,323,904
-
-
-
661,507
-
-
-
4,662,396
-
-
-
1,163,211
-
-
-
-
-
-
-
3,499,186
35,548,903
142,643,440
5,491,565
183,683,908
-
-
-
428,421
-
-
-
184,112,329
35,548,903
112,777,064
3,909,107
152,235,074
-
-
-
-
-
184,112,329
-
-
1 Revenue
2 unallocated Revenue
3 (less) Inter Segment Revenue
4 Total Income (1+2-3)
5 segment Result
6 unallocated expenses
7 operating profit
8 tax expenses (including deferred tax)
9 extraordinary profit/ loss
10 Net Profit (5-6-8-9) other information:
11 Segment Assets
12 unallocated Assets
13 Total Assets
14 Segment liabilities
15 unallocated liabilities
16 Total Liabilities
tax paid in advance / tax deducted at source (net of provisions), Deferred tax Assets and others which cannot be allocated to any segments, have been classified as unallocated assets.
264 | AnnuAl RepoRt 2019-20