Certificates Forming Part of CRS March 2018

RW-8 (ANNEX DER- I)
State Bank of India

Global Markets Unit-Kolkata
42/C Jawaharlal Nehru Road
Kolkata-700001
FAX-03322883860
Confirmation on Risk Grade Status of account having derivative exposure position as on

31.03.2018 BRANCH:
GROUP:
We hereby certify that the accounts of undernoted customers having derivative exposure have
following IRAC status as on 31.03.2018:
Sl. Name of Account CIF Type of IRAC Status

No The Number Number Derivative(CS,IRS,OPTION,FRA
Customer )
BRANCH MANAGER STATUTORY AUDITOR

BRANCH:
DATE: DATE:
To RW-9 (Annex-DER-2 )
State Bank of India
Global Markets Unit-Kolkata
Derivative Contracts :
Details of Non-Performing accounts and Provisions held as on : 31/03/2018
Branch :
___________ Bus. Group :________ MCRO/Circle : ________
ONLY DERIVATIVE RELATED FIGURES ARE TO BE STATED .FIGURES RELATED TO FORWARD

CONTRACTS, INTEREST AND OTHER CHARGES TO BE IGNORED
Amount of
Unpaid Net Unpaid Net Unpaid
Deriative Derivatives Derivatives Provision held
Name of dues(as dues, as Further Recoverie dues, as for the
the IRAC Date of on date of on Debits ( after s made, If on derivative Remarks(Changes
Sl. No. Customer Status NPA NPA) 31/03/2017 31-03-2017 any 31/03/2018 dues in status etc)
1
2
3
4
5
6
7
8
Branch
Manager STATUTORY AUDITORS
Branch :
Date : Date:
RW-10(CER 2)
STATE BANK OF INDIA
_____________ Branch
PARTICULARS IN RESPECT OF LONG TERM FINANCE TO INDUSTRY, AGRICULTURE,

INFRASTRUCTURE AND HOUSING DURING THE FINANCIAL YEAR 2017-18 (UNDER
SECTION 36(1)(viii) OF INCOME TAX ACT)
A. Income during the year by way of Other Income (processing fees and other charges) relating
to Long Term Finance for industrial development wherein repayment period stipulated is 5
years or more. (All such loans sanctioned during the current financial year or previous
years to be included)
(Amount in Rs.Ps.)
Name of Branch Other Income Total advances under Term
Processing Other Total Loan Portfolios for
fees charges industrial development *
B. Income during the year by way of Other Income (processing fees and other charges)
relating to Long Term Finance for development of infrastructure facility in India wherein
repayment period stipulated is 5 years or more. (All such loans sanctioned during the
current financial year or previous years to be included)
(Amount in Rs.Ps.)
Processing Other Total Loan Portfolio for
fees charges infrastructure development
in India *
C. Income during the year by way of Other Income (processing fees and other charges) relating
to Long Term Finance for agricultural development wherein repayment period stipulated is
5 years or more. (All such loans sanctioned during the current financial year or previous
years to be included)
(Amount in Rs.Ps.)
Processing Other Total Loan Portfolio development
fees charges of agriculture *
D. Income during the year by way of Other Income (processing fees and other charges) relating
to Long Term Finance for development of housing in India wherein repayment period
stipulated is 5 years or more. (All such loans sanctioned during the current financial year
or previous years to be included )
(Amount in Rs.Ps.)
Processing Other Total Loan Portfolio for
fees charges development of housing in
India *
* These figures are for making comparison to ensure correctness of figures reported in income
column.
Branch Manager
Place:
Date:
Note: It is to be ensured that

a) Income to be reported relates to income earned during the current financial year
b) Loans to be covered are Term Loans to industrial on agricultural development, development of
infrastructure facility in India, development of housing in India;
c) Loans should be relating to cases where repayment period stipulated is five years or more.
d) All such loans whether sanctioned during the current financial year or any of the previous years
should be covered for reporting if there is income generated from such loans during the current
financial year.
e) Income referred to above is the gross amount of interest and processing charges before expenses
and TDS.
f) “Infrastructure facility” means the following undertakings that are eligible for deduction under
section 80-IA / 80-IB and satisfy the conditions mentioned therein:
 a road including toll road, a bridge or a rail system;
 a highway project including housing or other activities being an integral part of the
highway project;
 a water supply project, water treatment system, irrigation project, sanitation and sewerage
system or solid waste management system;
 a port, airport, inland waterway, inland port or navigational channel in the sea (added
w.e.f. 01.04.2008).
 any undertaking which provides telecommunication services, whether basic or cellular,
including radio paging, domestic satellite service, network of trunking, broadband network
and internet services on or after 1 st day of April, 1995, but on or before the 31 st day of March,
2005.
 any undertaking which develops, develops and operates or maintains and operates an
industrial park (terminal date 31st day of March, 2011) or special economic zone (terminal
date 31st day of March 2006.
 an undertaking which,—
a) is set up in any part of India for the generation or generation and distribution of power
if it begins to generate power at any time during the period beginning on the 1 st day of
April, 1993 and ending on the 31st day of March 2018.
b) starts transmission or distribution by laying a network of new transmission or
distribution lines at any time during the period beginning on the 1st day of April, 1999
and ending on the 31st day of March 2018.
c) undertakes substantial renovation and modernisation of the existing network of
transmission or distribution lines at any time during the period beginning on the 1 st day
of April, 2004 and ending on the 31st day of March 2018.
g) Notified Infrastructure facility – In exercise of the powers conferred by clause (d) of the
Explanation to clause (viii) of sub section (1) of section 36 of the Income-tax Act, 1961, the Central
Board of Direct Taxes hereby notifies the following public facilities as infrastructure facility for the
purposes of the said clause, namely:-
(1) Inland Container Depot and Container Freight Station notified under the Customs Act, 1962
(52 of 1962).
(2) Mass Rapid Transit System.
(3) Light Rail Transit System.
(4) Expressways.
(5) Intra-urban or semi-urban roads like ring roads of urban by-passes or flyovers.
(6) Bus and truck terminals.
(7) Subways.
(8) Road dividers.
(9) Bulk handling terminals which are developed or maintained or operated for development or
rail system.
(10) Multilevel Computerised Car Parking.
Notification No. SO1153(E), dated 20.07.2006
RW 11(CER 3)
STATE BANK OF INDIA
_____________ Branch
ATM CASH VERIFICATION CERTIFICATE
BRANCH NAME ADDRESS:

BRANCH CODE
REGION
MODULE BRANCH TELEPHONE-
WITH STD CODE
CIRCLE MOBILE NUMBER
IP PHONE
CERTIFIED that we have physically verified cash in the ATMs and found that the Physical Cash in the ATM tallies with the
ADMIN cash. The ADMIN slip is pasted in the back up register duly signed by the ATM Joint Custodians and duly
countersigned Branch Manager. The excess/shortage found in the ATM has been dealt with as laid down in the ATM Manual.
The ATM Cash balance has also been reconciled with 3198NNNBBBBBC (ATM Cash Balance Account).
The balances therein as under:

(Amount in Rs)
ATM ID No DATE OF TIME OF DENOMINATION DENOMINATION DENOMINATION DENOMINATION DENOMINATION
VERIFICATION VERIFICAT below Rs.100 Rs.100 Rs.200 Rs.500 Rs.2000
ION
Branch Manager Statutory Branch Auditors
Place:
Date:
RW 12 (CER 6)
(FOR BRANCHES DEALING IN WHOLESALE SALE OF GOLD AND METAL GOLD LOAN)
ANNUAL CERTIFICATE
STATE BANK OF INDIA

NAME OF THE BRANCH: __________________________
CERTIFICATE FOR GOLD STOCKS HELD

FOR SALE OF GOLD/METAL GOLD LOANS
AS ON 31ST MARCH, 2018
We have physically verified the gold stock held with ____________________Branch (Designated
Branch holding stock of gold) as at 31 st March, 2018. On the basis of such verification, we hereby
certify that the physical gold stock (with 995/999/999.9 purity) held at the vault of the Designated
Branch as on 31st March, 2018 is as under:
(Quantity in Kgs)
Gold Stock Other than
Gold Deposit Gold Deposit Scheme Stock Total
Scheme
Stock Punch name of Suppliers weight
Purity
Supplier 1 Supplier 2 Supplier 3
(a) (b) (c ) (d) (a+b+c+d)
Kgs Kgs Kgs Kgs Kgs
995
999
999.9
Total weight
Place:
Date:
RW 13 (CER 7)
(FOR BRANCHES DEALING IN RETAIL SALE OF GOLD COINS)
ANNUAL CERTIFICATE
STATE BANK OF INDIA

Name of the Branch:
STOCK CERTIFICATE FOR GOLD COINS

AS ON 31.03.2018
We have physically verified the stock of the gold coins held with ____________________Branch (Point
of Sale Branch holding stock of gold coins) as at 31 st March, 2018. On the basis of such
verification, we hereby certify that the physical stock of gold coins (with 999.9 purity) held at the
vault of the Point of Sale Branch as on 31st March , 2018 is as under:
Denomination (Gm) No of Pieces Quantity (Gms)
2
4 Branch
5
8
10
20
50
100
Grand Total
Manager Statutory Branch Auditors
Place:
Date:
RW-14 (CER 8)
STATE BANK OF INDIA
Branch: _ _ _ _ _ _ __ _ _ _ _
Certificate
GOLD DEPOSIT SCHEME (GDS)
STOCK AND INSURANCE STATEMENT
FOR THE MONTH OF 31st MARCH 2018
GOLD STOCK
I Old GDS Stock in vault Weight in Gms.

1000 gms. x ______ pcs
500 gms. x ______ pcs
100 gms. x ______ pcs
50 gms. x ______ pcs
10 gms. x ______ pcs
II Pending Delivery Orders

(Folio No.) Delivery Order Date of delivery Weight in Gms.
No. order
III Net Quantity (I + II)
MOBILISATION/ STOCK UNDER RE-LAUNCHED GOLD DEPOSIT SCHEME
Sr. No. Particulars Weight in Gms.

1 Gold mobilized during the month
2 Highest stock held during the month *
3 Dispatch of gold to BBM after 25th of the month **
* As insurance is arranged at a centralized place i.e. Nodal Branch (NB), these figures are required to be
incorporated in NB’s statement to insurance company.
** The stock dispatched after 25th of this month might not have reached to NB till last day of this month.
Branch Head Statutory Branch Auditors
Place:
Date:
RW-15 (CER 12-A )
STATE BANK OF INDIA

Branch: _ _ _ _ _ _ __ _ _ _ _
Certificate to be obtained from Statutory Auditors for Interest Subvention claim for Residual
period of repayment of the Loans disbursed during FY 2016-17 (by Branches)
CERTIFICATE
We hereby certify that the amount of crop loan/ loans against negotiable warehouse receipts (NWHR)
/ Restructured account disbursements during FY 2016-17 and interest subvention thereon claimed by
State Bank of India, ____________ (Branch) as detailed below are true and correct:
Total number Total amount
of accounts of short term
where interest production Amount of
Limit size subvention credit subvention
was provided* disbursed at claimed @ 2%
(A) (Residual 7% during
Crop Loan Claim only) the year
(i) Up to Rs 50,000
(ii) Above Rs 50,000 and

up to Rs 3 lacs
Total (A)Total
(iii) Up to Rs 50,000
(B) (iv) Above Rs 50,000 and
NWHR up to Rs 3 lacs
Total (B) Total
(v) Up to Rs 50,000
(C) (vi) Above Rs 50,000 and
Restructured up to Rs 3 lacs
account
Total (C) Total
(i+iii+v) Up to Rs 50,000
Total (ii+iv+vi)Above Rs 50,000
and up to Rs 3 lacs
(A+B+C) Grand Total
(Total of subvention claim amount Rs.__________________________________________)
We have verified from the above statement of State Bank of India ____________________ (Branch)
and certify that the amount of interest subvention claimed in respect of disbursements made during
01.04.2016 to 31.03.2017 has been calculated correctly.
We certify having disbursed the above loans at 7% p.a. up to Rs. 3 lakh by way of short- term
production credit to the farmers during the year 2016-17.
Place:
Date:
Note:
 *Back up data to be kept separately at the Branch
 Total of Residual Interest Subvention claim {Cer- 12A (RW-15)} amount should tally with
outstanding in BGL A/c No. 4898261
RW-16(CER 12-B)
STATE BANK OF INDIA

Branch: _ _ _ _ _ _ __ _ _ _ _
Certificate to be obtained from Statutory Auditors for Interest Subvention claim
for the loans disbursed during FY 2017-18 (by Branches)
CERTIFICATE
We hereby certify that the amount of crop loans/loans against negotiable warehouse receipts
(NWHR) disbursed during FY 2017-18 and interest subvention claimed thereon by State
Bank of India, _____________________ (Branch) as detailed below are true and correct:
Total number of Total amount of
accounts where short term Amount of
Limit size interest production credit subvention
subvention was disbursed at 7% claimed @ 2%
provided* during the year
(i) Up to Rs 50,000
Crop Loan
(ii) Above Rs 50,000
and up to Rs 3 lacs
Total (A)Total
(iii) Up to Rs 50,000
NWHR (iv) Above Rs 50,000
and up to Rs 3 lacs
Total (B) Total
(v) Up to Rs 50,000
Restructured (vi) Above Rs 50,000
account and up to Rs 3 lacs
Total (C) Total
(i+iii+v) Up to Rs 50,000
Total (ii+iv+vi)Above Rs 50,000
and up to Rs 3 lacs
(A+B+C) Grand Total
(Total of subvention claim amount Rs.__________________________________________)

We have verified from the above statement of State Bank of India ___________________
(Branch) and certify that the amount of interest subvention claimed in respect of
disbursements made during 01.04.2017 to 31.03.2018 has been calculated correctly.
We certify having disbursed the above loans at 7% p.a. up to Rs. 3 lakh by way of short-
term production credit to the farmers during the year 2017-18.
Place:
Date:
Note
 *Back up data to be kept separately at the Branch
 Regular Interest subvention claim {Cer-12B (RW-16)} amount should tally with
outstanding in BGL A/c No. 4898260
RW 17 (CER 13)
STATE BANK OF INDIA
Branch: _ _ _ _ _ _ __ _ _ _ _
Certificate to be obtained from Statutory Auditors for ‘Additional Interest subvention”

for prompt repayment (incentive) @ 3% for Short Term Production Loans disbursed
during FY 2016-17
(By Branches)
CERTIFICATE
Limit Size Total Short term production Total Short term Amount of
credit disbursed production credit which additional
were repaid in time subvention
Total No of Amount Total No of Amount claimed @3%
A/cs* A/cs for 2016-17
Up to Rs.50000/-
Above Rs.50,000/-
and up to Rs.3 lacs
Total
(Total of subvention claim amount Rs.______________________________________)
We hereby certify that the above loans for which the claim is being made were repaid in time
and the benefit of additional three percent incentive subvention has already been passed on
to the account holders, thereby bringing down the interest rate for such farmers to 4 per cent
per annum for short term production credit up to Rs. 3 lacs disbursed during 2016-17 for
these farmers.
Place:
Date:
Note:
 *Back up data to be kept separately at the branch
 Additional Interest Subvention Claim{Cer 13(RW-17)} amount should tally with outstanding in
BGL a/c No. 4599730
 These (Cert 12 A, 12B & 13) claim formats needs to be duly certified by Statutory Auditors
with the Firm Registration Number and Membership Number of all Signatories.
RW-18 A (CER 19A)
STATE BANK OF INDIA

Branch: _ _ _ _ _ _ __ _ _ _ _
CERTIFICATE
Scheme Year: 2009-10
CENTRAL SECTOR INTEREST SUBSIDY SCHEME ON EDUCATONAL LOANS TO

STUDENTS BELONGING TO ECONOMICALLY WEAKER SECTIONS (EWS)
Statement on Interest subsidy claimed for the period ending March 2010
(Financial year from April 1, 2009 to March 31, 2010)
(A/cs & Amt in Actuals)

Particulars Interest Subsidy claims
No. of Accounts Amount
General Category
Scheduled Caste Category
Scheduled Tribe Category
Total
We certify that the amounts stated above is strictly in terms as per the notification no.F.11-4/2010-U-5
dated 25.05.2010 issued by Ministry of Human Resources Development, Department of Higher
Education, Government of India and the courses covered under CSIS Scheme are as per IBA’s Model
Education Loan Scheme issued from IBA time to time. We also certify that the above claims as true
and correct and declare that the same is as per the records of the books of the Bank.
Place: Authorized Signatory

Date:
CHARTERED ACCOUNTANT/S
SIGNATURE WITH SEAL
Care:
 This claim should be certified by the Statutory Auditors.
 Claims pertaining to the captioned year, already included in the previous Audit Certificate, should
be EXCLUDED in this Certificate. However claims made during the current year, pertains to the
captioned year to be included.
RW-18 B (CER 19B)
STATE BANK OF INDIA

Branch: _ _ _ _ _ _ __ _ _ _ _
CERTIFICATE


General Category
Total

Date:
SIGNATURE WITH SEAL
Care:
RW-18 C (CER 19C)
STATE BANK OF INDIA

Branch: _ _ _ _ _ _ __ _ _ _ _
CERTIFICATE


General Category
Total

Date:
SIGNATURE WITH SEAL
Care:
RW-18 D (CER 19D)
STATE BANK OF INDIA

Branch: _ _ _ _ _ _ __ _ _ _ _
CERTIFICATE


General Category
Total

Date:
SIGNATURE WITH SEAL
Care:
RW-18 E (CER 19E)
STATE BANK OF INDIA

Branch: _ _ _ _ _ _ __ _ _ _ _
CERTIFICATE


General Category
Total

Date:
SIGNATURE WITH SEAL
Care:
RW-18 F (CER 19F)
STATE BANK OF INDIA

Branch: _ _ _ _ _ _ __ _ _ _ _
CERTIFICATE


General Category
Total

Date:
SIGNATURE WITH SEAL
Care:
RW-18 G (CER 19G)
STATE BANK OF INDIA

Branch: _ _ _ _ _ _ __ _ _ _ _
CERTIFICATE


General Category
Total

Date:
SIGNATURE WITH SEAL
Care:
RW-18 H(CER 19H)
STATE BANK OF INDIA

Branch: _ _ _ _ _ _ __ _ _ _ _
CERTIFICATE


General Category
Total

Date:
SIGNATURE WITH SEAL
Care:
RW-19 (CER 16)
COMPLIANCE WITH MITRA COMMITTEE RECOMMENDATIONS

(OBTAINING LEGAL COMPLIANCE CERTIFICATE WITH RESPECT TO FRAUDS)
STATE BANK OF INDIA

Branch: _ _ _ _ _ _ __ _ _ _ _
We have perused the records produced before us and certify that _________ Branch is / is not
complying with the guidelines of the Mitra Committee recommendations with regard to obtention of
Legal Compliance Certificate with respect to frauds as stipulated.
Place:
Date:

RW-20A (CER 20 A)
STATE BANK OF INDIA

Branch: _ _ _ _ _ _ __ _ _ _ _
JILANI COMMITTEE RECOMMENDATIONS – BRANCH LEVEL
(RELATING TO INTERNAL CONTROL AND INSPECTION/AUDIT SYSTEM IN BANKS WHICH
ARE TO BE COMPULSORILY IMPLEMENTED BY BANKS)
Sr. Recommendati Implementation status at

No. on Nature of recommendation Branch
No. in the
WC Report
1 39 Follow-up on major / serious
irregularities detected during concurrent Yes / No / NA
audit to be immediately taken up with
the LHO. A time bound action
programme for rectification to be drawn
up and closely monitored. Fraudulent
transactions to be reported to
Vigilance/Chief of Inspection/Audit etc.
2 41 Smaller/Medium sized branches to Yes / No / NA
rectify irregularities pointed out during
inspection/audit within 4 months.
3 44 Inspectors/Auditors to get majority of Yes / No / NA
irregularities rectified during their stay
at the branches concerned and guide
them as well.
4 45 Immediate action to be taken to plug Yes / No / NA
gaps in serious irregularities/revenue
leakages which have surfaced due to
loop holes in existing procedures,
abnormal deviations from laid down
procedures/norms in consultation with
the departments concerned by issue of
fresh guidelines.
5 53 Appropriate control measure should be Yes / No / NA
devised and documented to prevent the
computer system from attacks of
unscrupulous elements. All aspects of
security, reliability and accessibility are
ensured before introduction of EDP
application in place of manual system by
having pilot parallel runs.
6 54 Various tests to be carried out to ensure Yes / No / NA
that EDP applications have resulted in
consistent and reliable system for
inputting, processing and generation of
output of data.
7 59 Entire domain of EDP activities be Yes / No / NA
brought under scrutiny of inspection and
Audit including the underline financial
aspects.
8 61 In order to bring about uniformity of Yes / No / NA
software used by various
branches/offices, there should a formal
method of incorporating change in
standard software and it should be
approved by senior management. Such
changes to be inspected and monitored
continuously.
9 71 Banks should complete enquiries Yes / No / NA

expeditiously and bring to book the
delinquent staff to deter others from
perpetuating frauds and malpractices.
Internal vigilance machinery to be
strengthened and its working to be
reviewed by the Board every six months.
10 74 Regular checking by inspectors / Yes / No / NA
auditors to verify correctness of
information compiled/furnished by
branches regarding income recognition,
asset classification, provisioning and
NPA quantification in conformity with
prescribed norms. Discrepancy to be
immediately brought to the notice of the
Branch Manager for rectification on the
spot.
Place:
Date:

RW-20B (CER 20 B)
STATE BANK OF INDIA
Branch: _ _ _ _ _ _ __ _ _ _ _
GHOSH COMMITTEE RECOMMENDATIONS – BRANCH LEVEL
(RELATING TO FRAUDS AND MALPRACTICES IN BANKS – ACTION TAKEN IN

RESPECT OF)
GROUP A - PART I
Sr. Recommen Implementation
No. dation Nature of recommendation status at Branch
No.
1 3.3 Joint custody and dual responsibility of cash and other Yes / No /NA
valuables.
2 3.4 Transactions in the currency chest to be reported to RBI Yes / No /NA
on the same day. (In respect of Currency Chest Branch
only.
3 3.5 Adhering to the prescribed norms and safeguards Yes / No /NA
issued by RBI on issue and payment of high value
drafts, depositing large amounts in new accounts
without verifying antecedents, opening of benami
accounts etc. to prevent misuse of banking channel.
4 8.10 a) System of exclusive scrutiny of credit portfolio with Yes / No /NA
focus on larger advances and group exposures.
b) Special security of high value accounts shifted to
the bank along with executives and accounts
transferred from other branches along with the
officials. The observations of RBI inspections
should be promptly and effectively followed up by
the banks.
5 8.14 Monthly certificate on inspection of associated units Yes / No /NA
and on stocks pledged/hypothecated to bank.
6 9.9 Adoption of preventive measures of vigilance in letter Yes / No /NA
and spirit as enumerated.
7 11.4 Rotation of staff /duties and transfer covering all Yes / No /NA
categories of staff, including dealing room / securities
department staff etc.
8 11.9 Desk cards for staff to be prepared, banks to designate Yes / No /NA
one of the senior officers as a Compliance Officer.
9 11.10 Financial and administrative powers of officials should Yes / No /NA
be laid down.
GROUP A - PART II
1 1.1 Precautions in handling cash and valuables – restriction Yes / No /NA
of entry to cash cabin, dual custody of cash/valuables,
surprise verification at regular intervals, etc.
2 1.2 Precautions against theft of cash- staff should not Yes / No /NA
indulge in conversations / answering queries, but direct
such persons to Enquiry Counter only.
3 1.3 Precautions against shortage in cash reported by Yes / No /NA
Cashier. Introduction of surprise checking at frequent
intervals.
4 1.4 Precautions against misappropriation of cash by Yes / No /NA
member of staff in the guise of customer service. Only
authorised personnel should accept cash /issue
counterfoils in cash departments. Cashiers should not
be allowed to make entries in Pass Book.
5 1.5 Proper systems should be evolved in respect of Cash Yes / No /NA
balances, insurance and prompt reporting of inter
branch and inter bank remittances of cash.
6 1.6 Banks should evolve proper systems of adequate Yes / No /NA
security and custody of cash in dacoit/terrorist attack
prone areas.
7 1.7 Precaution against misusing banking channels for tax Yes / No /NA
evasion. POs/TCs in excess of Rs 50,000/- should be by
way of debit to constituents’ account and not by cash.
Doubtful cases should be reported to higher authorities.
8 1.8 Periodical reporting of deposits/withdrawals from Yes / No /NA
currency chests to Issue Department of RBI. (Only for
Currency Chest branch only)
9 1.10 Exercise of caution at the time of opening of new Yes / No /NA
deposit accounts of all types.
10 1.11 Customers to be educated about implications of Yes / No /NA
introducing an account without knowing the party.
11 1.13 Close watch on the operations in the new accounts Yes / No /NA
should be kept.
12 1.14 Issue of fresh cheque book should be only against the Yes / No /NA
requisition slip from previous cheque books and other
precautions to be taken in respect of cheque books.
13 1.15 Precautions in payment of cheque – verification of Yes / No /NA
signature, custody of specimen signatures, custody and
control of blank cheque books etc.
16 1.18 Safe custody of /access to vouchers through written Yes / No /NA
orders of Manager – records to be maintained of those
who have accessed such records.
17 1.19 Safe custody of specimen signature cards and Yes / No /NA
verification of instructions in respect of operations of
the account.
18 1.21 Bank draft forms to be treated as security items and Yes / No /NA
usual precautions should be taken in respect of their
issue and safe custody.
19 1.28 Precaution against frauds perpetrated by employee – Yes / No /NA
effective supervision, timely receipt of control returns
and security thereof, rotation/transfer of staff, etc. Strict
watch on clearing operations, housekeeping and
reconciliation of inter bank/branch accounts.
20 1.29 Precaution against frauds perpetrated by staff in Yes / No /NA
clearing - checking of Branch Clearing General a/c.,
dispatch of statement, verification of instruments with
relative schedules, etc.
21 1.30 Safe transit of cheques and instruments between the Yes / No /NA
branches - clearing house.
22 1.31 Precautions to be taken to prevent fraud through entries Yes / No /NA
in suspense account – periodical balancing and
checking, signing of debit voucher by Manager / Officer
authorised by him, sending periodical statement
specifying reasons for non adjustment for large and
long outstanding entries, etc.
23 1.32 Mechanisation of operations relating to inter branch Yes / No /NA
reconciliation. All branches to clear outstanding entries
above Rs.2 lakhs and not allow them to remain
outstanding for more than a month, etc.
24 2.3 Post disbursement safeguards to be followed – critical Yes / No /NA
assessment of all advances periodically, review of sticky
advances and look into staff side of case when there is
shift in health code status of account.
25 2.7 Observance of laid down rules/guidelines/safeguards Yes / No /NA
by bank officials – credit appraisal, pre sanction visit to
borrowers premises/godown, proper monitoring of end
use of funds by allowing payments to parties connected
with borrower’s line of business and not allowing
transfer of large amounts to sister concerns, etc.
26 2.8 Check list of guidelines to avoid misuse of Yes / No /NA
hypothecation / pledge facilities – verification of
borrower’s title to goods pledged, safety of godowns,
obtention of stock statement, etc.
27 2.13 Safeguards against frauds through Kite flying Yes / No /NA
operations in cheques – limits against clearing cheques
only for prime customers, limited drawings, spare use
of discretionary powers, etc.
28 2.15 Precautions against frauds in bills portfolios – to ensure Yes / No /NA
bills represent genuine trade transactions, insistence on
submission of all related documents, ascertaining
creditworthiness of borrowers and drawees, lorry
receipts of approved transporters, etc.
29 3.4 Precautions for averting frauds in the areas of letter of Yes / No /NA
credit, issue of guarantees and co-acceptance facilities.
30 3.7 Bank guarantees/LCs to be issued in security forms Yes / No /NA
serially numbered, under two signatures above certain
cut off point in triplicate, binding on beneficiary to seek
conformation of Controlling Office (incorporation of
suitable condition in the document), etc.
31 3.8 One of two authorised signatures on LCs may be from Yes / No /NA
controlling office.
32 3.9 Bills discounting facility under L/C, co-acceptance Yes / No /NA
should be extended only to customers having regular
sanctioned limits.
33 4.4 Precautions relating to deals in items like furniture and Yes / No /NA
fixtures, stationery, - proper system of receiving
quotations, delegation of authority, proper inventory
management and periodical checking, etc.
34 5.2 Devising standards for suitable internal control in Yes / No /NA
computerised environment.
35 5.6 Evolving standards for fully computerised branches. Yes / No /NA
36 5.8 Screening/selection of employees in EDP Cells, Yes / No /NA
computer area.
37 5.9 Replacement of unwilling workers in computer area. Yes / No /NA
GROUP B – PART II
38 1.22 Paper used for cheques/drafts should be such that any
use of chemicals for making material alterations in the Yes / No /NA
instrument should be visible to the naked eye.
GROUP C – PART I
39 9.10 Fraud cases upto Rs 25,000/- having involvement of an Yes / No /NA
insider should not be reported to Police where recovery
is not doubtful.
40 11.8 Banks should introduce a return for staff members to Yes / No /NA
ensure strict submission of the information of assets &
liabilities and proper scrutiny thereof.
GROUP D – PART II
41 1.12 Obtaining photographs of depositors at the time of Yes / No /NA
opening of accounts.
Place:
Date:

RW – 25 (CER 5)
FORMAT OF AUDIT CERTIFICATE FOR D I& CGC SCHEMES
STATE BANK OF INDIA

_____________ Branch
Certified that on the basis of the books of accounts and statements examined at the branches audited
and other information/clarifications received from the bank management and to the best of our
knowledge and belief
1. The information furnished in the claim format to DI & CGC tallies with the relative record
maintained.
2. _________ Branch has duly remitted the share of the DI & CGC out of recoveries effected in the
under noted claims paid accounts regularly on the due date as prescribed by the Corporation
vide its circulars Nos. 10/93-94 and 85 dated the 14 th February 1994 and the 7th July 1995
respectively and that no amount is withheld by the ___________ Branch on this account. This is
the true and correct position as on 31 st March 2018 as per the books of accounts of the Branch. The
Branch has remitted a total sum of Rs. _____________ during the year under report.
(Amount in Rs.Ps.)
Sr. Name of the Recoveries effected % to be shared with Amount to be shared
No. borrower During FY 2017-18 DI&CGC with DI&CGC
3. ________ Branch has remitted the share of the DI&CGC out of recoveries effected to the
designated branch _________ in the following claims paid accounts as per the instructions from
Corporate Centre vide letter No. NPA-II/PCP/2894 dated the 8th March 2003.
(Amount in Rs.Ps.)
Sr. No. Name of the Recoveries effected % to be shared with Amount not shared
borrower During FY 2017-18 DI&CGC with DI&CGC
remitted to the
designated branch
Place:
Date:
RW-26
BRANCH:
AUDIT CERTIFICATE
SUB: Certificate relating to recoveries in claims paid accounts under

Small Loans Guarantee Scheme, 1971/
Small Loans (SSI) Guarantee Scheme, 1981/
Govts. Scheme for Small Scale Industries (Since cancelled)-
Remittances made t the Corporation under subrogation rights-
Statement for the period from 01.04.2017 to 31.03.2018
Certified that branch has duly remitted the share of the Deposit Insurance and Credit Guarantee
Corporation out of recoveries effected in claims paid accounts regularly on the due dates, as
prescribed by the Corporation vide its Circular Nos. 10/93-94 and 85 dated 14h February 1994 and
7th July 1995 respectively and the no amount is withheld by branch on this account. This is true and
correct position as on 31st March, 2018 as per the books of accounts of the Bank. The bank has
remitted a sum of Rs…………… as per details given below:
Schemewise break up:
SLGS 1971 SL (SSI)GS Govt Scheme for Total Remarks if any
1981 Small Scale
Industries
(Since cancelled)
Rs. Rs. Rs. Rs.
Branch Manager Authorized Signatory

CHARTERED
ACCOUNTANTS
SIGNATURE WITH SEAL
Place
Date
RW-27
BRANCH:
AUDIT CERTIFICATE
Certificate relating to recoveries MADE POST SETTLEMT OF CLAIMS BY CGTMSE-

REMITTANCE MADE TO THE TRUST FOR THE PERIOD FROM 01.04.2017 TO
31.03.2018
Certified that branch has duly remitted the entire amount to CGTMSE out of recoveries made post
settlement of claims as per the provisions of Credit Guarantee Scheme. However, where no recovery
has been passed on or short recovery has been passed on to CGTMSE, the details of the same are
given in the table below:
Member ID Total Recovery (Rs) Amount passed on to Short Amount
Excluding legal CGTMSE (Rs.) (Rs.)
expenses
Total
P.S.
1. “NIL” to be included in the table in case there is no shortfall in passing on the recovered amount
to CGTMSE.
2. Consolidated MLID wise information to be submitted in the above table as a single figure in case
of each MLID covering all its CGTMSE covered cases. The compilation of information to be done
at HO level of respective MLIs.
The above position certificate is true and correct as on 31st March 2018 as per the books of accounts
of the branch.
Branch Manager Authorized Signatory

CHARTERED
ACCOUNTANTS
SIGNATURE WITH SEAL
Place
Date
RW 28-A
(Annexure-I)
AUDIT CERTIFICATE
BRANCH/CIRCLE:
Scheme Year:2016-17 (PPIS Claims)
SUB: PADHO PARDESH INTEREST SUBSIDY SCHEME ON EDUCATIONAL LOANS

FOR OVERSEAS STUDIES FOR THE STUDENTS BELONGING TO NOTIFIED
MINORITY COMMUNITIES.
Statement on Interest subsidy claims for the period ending March 2017
(Related to FY April 1, 2016 to March 31, 2017)
(A/c s & amount in actuals)

Interest Subsidy Claims
Name of the community No of accounts Amount
Muslims
Christians
Sikhs
Jains
Parsi/Zorastrians
Buddhists
TOTAL
We certify that the amounts stated above is strictly in terms of the scheme guidelines issued by
Ministry of Minority Affairs, Government of India and the courses covered under Padho Pardesh
Scheme are as per IBA’s Model Education Loan Scheme. We also certify that the above claims as
true and correct and declare that the same is as per the records of the books of the Bank.

Date:
SIGNATURE WITH SEAL
This claim should be certified by the Statutory Auditor
Care: Claim for FY 2016-17 included in the previous audit certificates should be excluded and
claims made during the current year 2017-18 are only to be included in this certificate.
RW 28-B
(Annexure-II)
AUDIT CERTIFICATE
BRANCH/CIRCLE:
Scheme Year: 2017-18 (PPIS Claims)
SUB: PADHO PARDES INTEREST SUBSIDY SCHEME ON EDUCATIONAL LOANS FOR

OVERSEAS STUDIES FOR THE STUDENTS BELONGING TO NOTIFIED MINORITY
COMMUNITIES
Statement on the Interest Subsidy claims for the period ending March 2018
(A/cs & amount in actuals)

Name of the community Interest Subsidy Claims
No of accounts Amount
Muslims
Christians
Sikhs
Jains
Parsi/Zorastrians
Buddhists
TOTAL
We certify that the amounts stated above is strictly in terms of the scheme guidelines issued by
Ministry of Minority Affairs, Government of India and the courses covered under Padho Pardes
Scheme are as per IBA’s Model Education Loan Scheme. We also certify that the above claims are
true and correct and declare that the same is as per the records of the books of the Bank.
Authorized Signatory
Place:
Date:
SIGNATURE WITH SEAL
RW-29A
CERTIFICATE
AUDIT CERTIFICATE: DR. AMBEDKAR CENTRAL SECTOR INTEREST SUBSIDY SCHEME

(ACSISOBCEBC) FOR OBCs & EBCs
CIRCLE/BRANCH:
Scheme Year: 2016-17 (ACSISOBCEBC Claims)
SUB: DR. AMBEDKAR CENTRAL SECTOR INTEREST SUBSIDY_SCHEME ON

EDUCATIONAL LOAN FOR OVERSEAS STUDIES FOR THE STUDENTS BELONGING TO
OBC & EBC CATEGORIES
Statement on Interest Subsidy claims for the period ending March 31.03.2017
(A/cs & amount in Actuals)
Name of the Category Interest Subsidy Claims

OBC
EBC
TOTAL
We certify that the amounts stated above is strictly in terms of the scheme guidelines issued by Ministry of
Social Justice & Empowerment, Government of India and the courses covered under ACSISOBCEBC
scheme are as per IBA’s Model Education Loan Scheme. We also certify that the above claims are true and
correct and declare that the same is as per the records of the books of the Bank.

Date
SIGNATURE WITH SEAL
CARE: Claim for FY 2016-17 included in the previous audit Certificates should be excluded and claims made during the current year 2017-18
are only to be included in this certificate.
RW-29B
CERTIFICATE
AUDIT CERTIFICATE: DR. AMBEDKAR CENTRAL SECTOR INTEREST SUBSIDY SCHEME

(ACSISOBCEBC) FOR OBCs & EBCs
CIRCLE/BRANCH:
Scheme Year: 2017-18 (ACSISOBCEBC Claims)
SUB: DR. AMBEDKAR CENTRAL SECTOR INTEREST SUBSIDY_SCHEME ON

EDUCATIONAL LOAN FOR OVERSEAS STUDIES FOR THE STUDENTS BELONGING TO
OBC & EBC CATEGORIES
Statement on Interest Subsidy claims for the period ending March 31.03.2018
(A/cs & amount in Actuals)
CATEGORY Interest Subsidy Claims

OBC
EBC
TOTAL
We certify that the amounts stated above is strictly in terms of the scheme guidelines issued by Ministry of
Social Justice & Empowerment, Government of India and the courses covered under ACSISOBCEBC
scheme are as per IBA’s Model Education Loan Scheme. We also certify that the above claims are true and
correct and declare that the same is as per the records of the books of the Bank.

Date
SIGNATURE WITH SEAL
RW -30
STATE BANK OF INDIA
BRANCH CODE
Annual Certificate for Reconciliation of Inter Bank Accounts as on 31st March 2018
This is to certify that the balances of Inter Bank Accounts in our Branch appearing in the
following YSA heads are reconciled with the Counter Parties:
S No YSA Head YSA Comp Balance as on

Code 31.03.2018
1 TOTAL IN CURRENT ACCOUNTS 20040
WITH OTHER BANKS
2 TOTAL MONEY AT CALL AND 20060
SHORT NOTICES
3 TOTAL IN OTHER DEPOSIT 20092
ACCOUNTS
TOTAL OF BALANCE WITH OTHER 20100
BANKS
(1 + 2 + 3)
We also confirm that the Balance Certificate from the counter parties have been obtained.
BRANCH HEAD
Place:
Date:
RW -31A
Annual End Use Certificate
Implementation of Pradhan Mantri Awas Yojana (PMAY) - Credit Linked Subsidy

Scheme (CLSS) for EWS/LIG /MIG I & II
Statement on End-Use on Interest Subsidy Claimed during 2017-18
We certify that the construction of houses/flats for which the subsidy has been received and
utilized is strictly in terms of the guidelines issued by the Ministry of Housing & Urban
Poverty Alleviation, Government of India.
(Amt. in Rupees)
Particulars No. of Accounts Total subsidy received from NHB
Construction Completed
Under Construction
Total
Authorized Signatories
Place : Firm Name Signature of the Auditor
Date : Regn. No Name
Seal with Address Membership No.

RW -31B
Annual Utilization & Refund Certificate

Scheme (CLSS) for EWS/LIG/ MIG I & II
Statement on Interest Subsidy Claimed and Refund Made during 2017-18
(Amt. in Rupees)
Category Disbursement by NHB Refund to NHB
No. of Interest Processi TDS Total No. of Interest Processin Total

Account Subsidy ng Fees Deduct Subsidy Accou Subsidy g Fees Subsidy
s ion nts
(1) (2) (3) (4) (5) (6) = (7) (8) (9) (10) =
(3)+(4) (8)+(9)
General
SC
ST
OBC
Total
We certify that the amounts stated above have been received and utilized strictly in terms
of the guidelines issued by the Ministry of Housing & Urban Poverty Alleviation,
Government of India.
We also certify that the above claims made as true and correct and declare that the same
is as per the records of the books of the Bank.
Authorized Signatories
Place : Firm Name Signature of the Auditor
Date : Regn. No Name
Seal with Address Membership No.

RW-32
STATE BANK OF INDIA

BRANCH CODE: __________________________
Annual Certificate for Reconciliation of Sundry Creditor-FA-Payable Account (BGL 4599103)

as on March 31, 2018
This is to certify that the balances of Sundry Creditor-FA-Payable Account (BGL 4599103) as on
March 31, 2018 in our Branch is Rs.…………….. . This is reconciled with the individual
outstanding entries in the system. The detailed list of outstanding entries as on March 31, 2018 are as
under:
Sl. No. Date of Credit System No. Amount outstanding Payee

(1) (2) (3) (4) (5)
(Note for CRS team: Branch should be able to add additional rows, if required.)
BRANCH HEAD
Place:
Date:
Standard Operating Procedure:
1. The particulars relating to Column (2), (3) & (4) may be obtained from the
“Audit_BGL_accounts_age_wise_break_up” available in Branch Report folder.
2. The particulars relating to Column (5) may be obtained from Fixed Assets records & vouchers.
3. Total of Column (4) should be equal to the balance of BGL 4599103 of the Branch as on
March 31, 2018.
RW - 23
(Certificate 1-Y)
Certificate by Branch Manager
I have reviewed the accompanying statement of Profit & Loss, Statement of Abstract
(YSA/QSA), Provisioning and Asset classification Statements and Capital Adequacy
Return and other returns as per Annexure A of ------------------- Branch of State Bank of India
for the period ended on 31st March 2018
2. Based on my review, nothing has come to my notice that causes me to believe that
the accompanying statements have not disclosed the information required to be disclosed
in terms of Regulation 33 of the Listing Obligations and Disclosure requirements
Regulations, 2015, including the manner in which it is to be disclosed, or that it contains
any material misstatement or that it has not been prepared in accordance with the relevant
prudential norms issued by Reserve Bank of India in respect of income recognition, asset
classification, provisioning and other related matters. Based on my knowledge, fraudulent
or illegal transactions, if any, have been promptly identified, reported and appropriately
accounted for. I also, confirm that the significant provisions of laws applicable to our
functions and operations are being complied with and no instances of noncompliance has
been observed.
Date: Branch Manager
Annexure A: List of Returns reviewed:

Sr. Return/
New series Name of the Return/ Statement
No. Statement
1 RA-1 CAR B-2 Capital Adequacy Return B-II

2 RA-2 CAR B-3 Capital Adequacy Return B-III
3 RA-3 COS 106 R Yearly Statement Abstract excluding Supplementary
4 RA-4 COS 261 R Profit & Loss Statement excluding supplementary
ANNEX -2E Provision for Exposures to Entities with UFCE
SA-5 Summary of classification of advances as per IRAC Norms
SA-6 Summary of provisions to be made
5 RA-5
SA- 10 (i) Annual return of government guaranteed accounts-standard assets
SA- 10 (ii) Annual return of government guaranteed accounts-classified as NPAs
6 RA-10 FA Return Fixed Assets Return

7 RW-1 A &B Supp P&L and YSA Supplementary
Delay in commencement of commercial operations and extension of date of

8 RW-2 Annex VI
commencement of commercial operations (DCCO)
Part A- Disclosure for AS 29-STATEMENT OF Contingent Liabilities & Provisions

9 RW-3 A&B Annx. IX
Part B- Contingent Liabilities - Probablitiy of Loss
10 RW-4 Annx. XA Statement of provisions required for other assets (Non Advance Related)
11 RW-5 Annx. XB Statement of provisions held in respect of liabilities including contingent liability
12 RW-6 Annx. XC Statement of provisions required for expired leases

Memorandum of Changes for Yearly Abstract, Profit and Loss Statement, CIS, Fixed
13 RW-7(A-D) MOC
Assets Return, CAR B - II
14 RW-8 Annex- DER -1 Risk Grade status of accounts having derivative exposure
15 RW-9 Annex - DER -2 Derivative contracts : NPA accounts and provisions
16 RW-10 Cer-2 Particulars of Long Term Finance to industry & agriculture
17 RW-11 Cer-3 ATM Cash Verification Certificate
18 RW-12 Cer-6 Certificate for Gold Stocks held for sale of Gold/ Metal Gold Loans
19 RW-13 Cer-7 Stock Certificate for Gold Coins held
20 RW-14 Cer-8 Certificate for Gold Deposit Scheme (STOCK AND INSURANCE STATEMENT)
Certificate for Agricultural Interest Subvention Claim @ 2% for residual period

21 RW-15 Cer-12 A
of repayment of the loans disbursed during FY 2016-17
Certificate for Agricultural Interest Subvention Claim @ 2% for

22 RW-16 Cer-12B
disbursements made during FY 2017-18
Certificate for ‘Additional Interest subvention (incentive @ 3%) for prompt repayment
23 RW-17 Cer-13
for Short Term Production Loans disbursed during FY. 2016-17
Certificate for Interest Subsidy claimed for the period (2009-10 TO 2016-17) under
24 RW-18A-H Cer-19 A to H Central Sector Interest Subsidy Scheme on Education Loans to students belonging to
Economically Weaker Section (EWS)
25 RW-19 Cer-16 Certificate for Mitra Committee Compliance
Ghosh & Jilani- Report on implementation of Jilani and Ghosh Committee
26 RW-20A,B Cer - 20 A&B
recommendations
Statement of all outstanding Loan Assets subjected to restructuring, rescheduling and
27 RW-21 Disc-7
renegotiation as on 31st March 2018.
28 RW-22 SA-7 Return of sundry liability on interest capitalisation on Restructered accounts
29 RW-25 Cer-5 Certificate for DI & CGC Schemes
Certificate relating to recoveries in claim paid accounts under Small Loan Guarantee
scheme, 1971/ Small Loans (SSI) Guarantee scheme, 1981/ Govt Scheme for small scale
30 RW-26 ---
industries(since cancelled)-Remittances made to the Corporation under subrogation
rights(For period- 01.4.2017 to 31.03.2018)
Certificate relating to recoveries made post settlement of claims by CGTMSE-
31 RW-27 ---
Remittances made to trust for the period from 1.4.2017 to 31.03.2018
Padho Pardes Interest Subsidy for overseas studies for students belonging to notified
32 RW-28A,B ---
minority comminities (FY15-16 & FY 16-17) (2)
Dr Ambedkar Central Sector Interest subsidy on educational loans for overses studies
33 RW-29A B ---
of OBC & EBC category students (FY15-16 & FY 16-17) (2)
34 RW-30 --- Certificate of Reconciliation of Balance with Other Banks

35 RW-31 A, B ---
Scheme (CLSS) for EWS/LIG
Annual Certificate for Reconciliation of Sundry Creditor-FA-Payable Account (BGL

36 RW-32 ---
4599103) as on March 31, 2018.
CER 21 (RW-24)
Statutory Branch Auditor’s REPORT
To,
Statutory Central Auditors,
___________ Circle
State Bank of India
We have audited the Yearly Abstract format including supplementary information and items relating to Associate
Bank, Subsidiaries and Related Entities) of _________________ Branch, State Bank of India as at 31 st March 2018 and
Profit and Loss Account (including supplementary information regarding Rural Branch Advances and
income/expenditure items relating to Associates Banks, Subsidiaries and Related Entities) of the branch for the year/
period ended 31st March 2018.
PART I
Management’s Responsibility for the Financial Statements
1. Management of the branch is responsible for the preparation of these financial statements that give true and fair view of
the financial position and financial performance of the Branch in accordance with the provisions of the Banking
Regulation Act, 1949 and the State Bank of India Act, 1955, complying with the Reserve Bank of India Guidelines from
time to time, and recognised accounting policies and practices, including the Accounting Standards issued by the
Institute of Chartered Accountants of India (ICAI). This responsibility includes the design, implementation and
maintenance of internal control relevant to the preparation of the financial statements that are free from material
misstatement, whether due to fraud or error.
Auditor’s Responsibility
2. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit
in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those
Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable
assurance about whether the financial statements are free from material misstatement.
3. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial
statements. The procedures selected depend on the auditor’s judgement, including the assessment of the risks of
material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the
auditor considers internal control relevant to the Branch’s preparation and fair presentation of the financial statements
in order to design audit procedures that are appropriate in the circumstances. An audit also includes evaluating the
appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management,
as well as evaluating the overall presentation of the financial statements.
4. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit
opinion.
5. The list of statements audited by us is provided in Annexure A.
Opinion:
6. In our opinion, subject to Memorandum of Changes as given in Para 11 and adjustments to be made at Head Office as
given in para 10 and to the best of the information and according to the explanations given to us and as shown by the
books of the branch, we report that:
(a) The aforesaid Yearly Abstract of Balances read with summary of advances, is a true and fair view of affairs of
the branch as at the 31st March 2018 in conformity with accounting principles generally accepted in India;
(b) The aforesaid Profit and Loss account exhibits a true and fair view of the Profit/ (Loss) of the branch for the
year/ period ended the 31st March 2018 in conformity with accounting principles generally accepted in India;
and
(c) The statements listed in para 5 above exhibits a true and fair view of the information contained therein.
Report on Other Legal and Regulatory Requirements:
7. The Yearly Statement of Abstract (YSA) and the Profit and Loss Account contains the data required to draw up the
Balance Sheet and the Profit and Loss Account in Form A and B respectively of the Third Schedule the Banking
Regulation Act, 1949 and that these give information as required to be given by virtue of the provisions of the State
Bank of India Act 1955;
8. Subject to the limitations of the audit indicated above in para 2 to 4, we report that:
(a) We have obtained all the information and explanations which to the best of our knowledge and belief were
necessary for the purpose of the audit and have found them to be satisfactory.
(b) The transactions of the branch which have come to my/our notice have been within the powers of the Bank.
9. We further report that:

a. the Yearly Statement of Abstract and Profit and Loss account dealt with by this report are in agreement with
the books of account and returns; and
b. in our opinion, proper books of account as required by law have been kept by the branch so far as appears
from our examination of those books;
Other matters
10. No adjustments/provisions have been made in the accounts of the Branch in respect of matters usually dealt with at Head
Office, including in respect of:
a. Bonus, ex-gratia, and other similar expenditure and allowances to branch employees;
b. Terminal permissible benefits to eligible employees on their retirement (including additional retirement benefits),
Gratuity, Pension, liability for leave encashment benefits and other benefits covered in terms of ‘AS 15 –Employee
Benefits’ issued by the Institute of Chartered Accountants of India;
c. Arrears of salary/wages/allowances, if any, payable to staff;
d. Staff welfare contractual obligations;
e. Effect of adjustments that might arise upon the reconciliation /matching of outstanding entries in the inter office
accounts impact of which is presently not quantifiable.
f. Auditors’ fees ;
g. Taxation (Current Tax and Deferred Tax);
h. Provision for standard assets including restructured accounts
i. Additional provision for substandard infrastructure loan accounts
j. Provision for unsecured portion and diminution in fair value in respect of Restructured accounts
k. Reversal of interest of new Non performing accounts
PART II
11 MOCs suggested if any: YES/NO. Please print WEB PAGE of MOC as an Annexure A.
If YES, please print Annexure “A”
PART III Auditor will punch comments in WEB PAGE max up to

12. Other comments if any: YES/NO. 2 250 words.
If YES, please print Annexure “B”
Place: For --------------------------------
Date: Chartered Accountants
(CA ------------------------)
Partner/ Proprietor
Membership Number XXXXXX
Annexure to Statutory Branch Auditors Report: Annexure A
List of Audited Returns/Certificates:

Sr. New Return/
Name of the Return/ Statement
No. series Statement
1 RA-1 CAR B-2 Capital Adequacy Return B-II
2 RA-2 CAR B-3 Capital Adequacy Return B-III
3 RA-3 COS 106 R Yearly Statement Abstract excluding Supplementary
4 RA-4 COS 261 R Profit & Loss Statement excluding supplementary
ANNEX -2E Provision for Exposures to Entities with UFCE
SA-5 Summary of classification of advances as per IRAC Norms
SA-6 Summary of provisions to be made
5 RA-5
SA- 10 (i) Annual return of government guaranteed accounts-standard assets
Annual return of government guaranteed accounts-classified as
SA- 10 (ii)
NPAs
6 RA-10 FA Return Fixed Assets Return
RW-1A
7 Supp P&L and YSA Supplementary
&B
Delay in commencement of commercial operations and extension of
8 RW-2 Annex VI
date of commencement of commercial operations (DCCO)
Part A- Disclosure for AS 29-STATEMENT OF Contingent
RW-3
9 Annx. IX Liabilities & Provisions
A&B
Part B- Contingent Liabilities - Probability of Loss
Statement of provisions required for other assets (Non Advance
10 RW-4 Annx. XA
Related)
Statement of provisions held in respect of liabilities including
11 RW-5 Annx. XB
contingent liability
12 RW-6 Annx. XC Statement of provisions required for expired leases
RW-7 Memorandum of Changes for Yearly Abstract, Profit and Loss
13 MOC
(A-D) Statement, CIS, Fixed Assets Return, CAR B - II
Annex- DER -
14 RW-8 Risk Grade status of accounts having derivative exposure
1
Annex - DER
15 RW-9 Derivative contracts : NPA accounts and provisions
-2
16 RW-11 Cer-3 ATM Cash Verification Certificate
17 RW-12 Cer-6 Certificate for Gold Stocks held for sale of Gold/ Metal Gold Loans
18 RW-13 Cer-7 Stock Certificate for Gold Coins held
Certificate for Gold Deposit Scheme (STOCK AND INSURANCE
19 RW-14 Cer-8
STATEMENT)
Certificate for Agricultural Interest Subvention Claim @ 2%
20 RW-15 Cer-12 A for residual period of repayment of the loans disbursed during FY
2016-17
Certificate for Agricultural Interest Subvention Claim @ 2%
21 RW-16 Cer-12B
for disbursements made during FY 2017-18
Certificate for ‘Additional Interest subvention (incentive @ 3%) for
22 RW-17 Cer-13
prompt repayment for Short Term Production Loans disbursed
during FY. 2016-17
Certificate for Interest Subsidy claimed for the period (2009-10 TO
RW-18 A- 2016-17) under Central Sector Interest Subsidy Scheme on
23 Cer-19 A to H
H Education Loans to students belonging to Economically Weaker
Section (EWS)
24 RW-19 Cer-16 Certificate for Mitra Committee Compliance
RW-20 Ghosh & Jilani- Report on implementation of Jilani and Ghosh
25 Cer - 20 A&B
A,B Committee recommendations
Statement of all outstanding Loan Assets subjected to restructuring,
26 RW-21 Disc-7
rescheduling and renegotiation as on 31st March 2018.
Return of sundry liability on interest capitalisation on Restructered
27 RW-22 SA-7
accounts
28 RW-25 Cer-5 Certificate for DI & CGC Schemes
Certificate relating to recoveries in claim paid accounts under Small
Loan Guarantee scheme, 1971/ Small Loans (SSI) Guarantee
29 RW-26 --- scheme, 1981/ Govt Scheme for small scale industries(since
cancelled)-Remittances made to the Corporation under subrogation
rights(For period- 01.4.2017 to 31.03.2018)
Certificate relating to recoveries made post settlement of claims by
30 RW-27 --- CGTMSE- Remittances made to trust for the period from 1.4.2017 to
31.03.2018
Padho Pardes Interest Subsidy for overseas studies for students
RW-28A
31 --- belonging to notified minority communities (FY16-17 & FY 17-
B
18) (2)
Dr Ambedkar Central Sector Interest subsidy on educational loans
RW-29A
32 --- for oversees studies of OBC & EBC category students (FY16-17 & FY
B
17-18) (2)
33 RW-31 A, --- Implementation of Pradhan Mantri Awas Yojana (PMAY) - Credit
B Linked Subsidy Scheme (CLSS) for EWS/LIG

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Certificates Forming Part of CRS March 2018

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RW-8 (ANNEX DER- I)

State Bank of India

Confirmation on Risk Grade Status of account having derivative exposure position as on

Sl. Name of Account CIF Type of IRAC Status

BRANCH MANAGER STATUTORY AUDITOR

ONLY DERIVATIVE RELATED FIGURES ARE TO BE STATED .FIGURES RELATED TO FORWARD

PARTICULARS IN RESPECT OF LONG TERM FINANCE TO INDUSTRY, AGRICULTURE,

Note: It is to be ensured that

ATM CASH VERIFICATION CERTIFICATE

BRANCH NAME ADDRESS:

The balances therein as under:

Branch Manager Statutory Branch Auditors

STATE BANK OF INDIA

CERTIFICATE FOR GOLD STOCKS HELD

Branch Manager Statutory Branch Auditors

(FOR BRANCHES DEALING IN RETAIL SALE OF GOLD COINS)

STATE BANK OF INDIA

STOCK CERTIFICATE FOR GOLD COINS

Denomination (Gm) No of Pieces Quantity (Gms)

I Old GDS Stock in vault Weight in Gms.

500 gms. x ______ pcs

100 gms. x ______ pcs

50 gms. x ______ pcs

10 gms. x ______ pcs

II Pending Delivery Orders

III Net Quantity (I + II)

MOBILISATION/ STOCK UNDER RE-LAUNCHED GOLD DEPOSIT SCHEME

Sr. No. Particulars Weight in Gms.

Branch Head Statutory Branch Auditors

STATE BANK OF INDIA

(ii) Above Rs 50,000 and

(Total of subvention claim amount Rs.__________________________________________)

STATE BANK OF INDIA

(Total of subvention claim amount Rs.__________________________________________)

Certificate to be obtained from Statutory Auditors for ‘Additional Interest subvention”

(Total of subvention claim amount Rs.______________________________________)

Branch Manager Statutory Branch Auditors

STATE BANK OF INDIA

CENTRAL SECTOR INTEREST SUBSIDY SCHEME ON EDUCATONAL LOANS TO

(A/cs & Amt in Actuals)

Place: Authorized Signatory

STATE BANK OF INDIA

CENTRAL SECTOR INTEREST SUBSIDY SCHEME ON EDUCATONAL LOANS TO

(A/cs & Amt in Actuals)

Place: Authorized Signatory

STATE BANK OF INDIA

CENTRAL SECTOR INTEREST SUBSIDY SCHEME ON EDUCATONAL LOANS TO

(Financial year from April 1, 2011 to March 31, 2012)

(A/cs & Amt in Actuals)

Place: Authorized Signatory

STATE BANK OF INDIA

CENTRAL SECTOR INTEREST SUBSIDY SCHEME ON EDUCATONAL LOANS TO

(A/cs & Amt in Actuals)

Place: Authorized Signatory

STATE BANK OF INDIA

CENTRAL SECTOR INTEREST SUBSIDY SCHEME ON EDUCATONAL LOANS TO

(A/cs & Amt in Actuals)