Page 330 - DHIN504_ANUVAAD_EVAM_KAARYALYI_HINDI

bdkbZµ30% cSafdax lkfgR; dh vuqokn lkexzhµ vko';drk ,oa leL;k,¡

rFkk vYi lwpuk ij /u uksV
(Balances with Banks &
Money at Call & Short Notice) 7
fuos'k (Investments) 8
vfxze (Advances) 9

fLFkj vkfLr;k¡ (Fixed Assets) 10
vU; vkfLr;k¡ (Other Assets) 11
vkdfLed ns;rk,¡ (Contingent Liabilities) 12

mxkgh ds fy, fcy (Bills for Collection)
egÙoiw.kZ ys[kk uhfr;k¡
(Significant Accounting Policies) 17
ys[kk laca/h fVIif.k;k¡ (Note of Accounts) 18
mi;qZDr vuqlwfp;k¡ rqyu&i=k dk vfHkUu vax gSA
The Schedules refered to above form an integral part of the Balance Sheet.
rqyuk i=k ds i'pkr~ ;g nwljs fdLe dk vuqokn gSA ;g okf"kZd fjiksVZ 'kSyh esa rS;kj fd;k x;k gSA bl
uewus ls Li"V >ydrk gS fd cSafdax 'kCn tgk¡ cksf>y gksus dk [krjk gks ogk¡ buds LFkku ij fyI;arj.k dj
fy;k tkrk gS tSls lkÝVos;j dk vuqokn miyC/ u gksus ds dkj.k bls lkÝVos;j gh fy[kk x;k gSA blh izdkj
vk/qfud cSafdax esa vaxzsth fyI;arj.k ;qDr dbZ 'kCn izpfyr gSaA

cSadksa esa izpfyr oqQN fyI;arj.k 'kCnksa dk mYys[k dhft,A

uewuk&3
bu uhfrxr mik;ksa dk ,d dsanz fcanq foÙkh; iz.kkyh dks lqn`<+ cukus gsrq lajpukRed ifjorZu djuk Hkh FkkA

o"kZ ds nkSjku Hkkjrh; fjtoZ cSad us fo'ks"kr% d`f"k] fu;kZr] y?kq m|ksx rFkk lwpuk izkS|ksfxdh ,oa lkWÝVos;j m|ksx
ds fy, Í.k forj.k iz.kkyh lq/kjus gsrq dne mBk,¡A
tekjkf'k;ksa ij C;kt njsa vkSj vf/d fofu;af=kr dh xbZA cSadksa dks ianzg fnuksa ls vf/d dh ifjiDork okyh
eh;knh tekjkf'k;ksa ij C;kt njsa fu;r djrs rFkk #- 15 yk[k vkSj mlls vf/d dh eh;knh tekjkf'k;ksa ij
foHksnd C;kt jnsa fu;r djus dh Hkh Lora=krk nh xbZA
vius vkfLr o ns;rk lafoHkkxksa ds dkjxj izca/u esa cSadksa dks i;kZIr yphykiu iznku djus ds mn~ns'; ls Hkkjrh;
fjtoZ cSad us vkfLr&ns;rk izca/u iz.kkyh ds xBu ij O;kid fn'kkfunsZ'k tkjh fd,A
Structural Changes to strengthen the financial system was also a focal point of the policy measures.
During the year, steps were initiated by the Reserve Bank of India to improve the credit delivery
system, particularly for agriculture, exports, small scale industries and It and software industry.
The interest rates on deposits were further deregulated. The banks were given freedom to offer
interest rates on term deposits of maturity above 15 days and also to offer differential interest
rates on term deposits of with the objective of providing adequate degree of flexibility to the
banks in efficiently managing their asset and liablity portfolios, comprehensive guidelines on
setting up of ALM System were issued by the Reserve Bank of India.

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