Very good afternoon to everyone present here and through VC. On behalf of State Bank of India, I extend a very hearty welcome to all our esteemed shareholders for this 66th annual general meeting of shareholders of State Bank of India being held through VC. We are pleased to have with us Jnanatosh Roy, Government of India representative from Department of Financial Services, who is attending the meeting through VC from Delhi. May I now request our respected chairman, sir, to please start the proceedings of the 66th annual general meeting of shareholders of State Bank of India. Thank you. Thank you, Ravi. I, Dinesh Kumar Khara, Chairman of State Bank of India, have ascertained that the quorum for the 66th annual general meeting has been established. I call to order the 66th annual general meeting of the shareholders of State Bank of India. I would now like to introduce to the shareholders the directors present here and also through VC. Directors present here are to my right, Mr. Shetty, and to his right, Mr. Swaminathan Janakiraman. Mr. Ashwani Bhatia is on my left. He is looking after Managing Director, Corporate Banking & Global Markets, and to his left is Mr. Ashwini Kumar Tewari. The non-executive directors who have joined us through VC are Dr. Pushpendra Rai. He is attending the meeting through VC. Namaskar. Shri B. Venugopal, he's also attending the meeting through VC. Namaste. Shri Sanjeev Maheshwari, he's also attending the meeting through VC. Namaskar. Dr. Ganesh Natarajan, attending the meeting through VC. Namaskar. Shri Anil Kumar Sharma, representative of RBI, also attending the meeting through VC. Namaskar to all. Thank you. I now request Shri Alok Kumar Choudhary, Deputy Managing Director of Finance, to read the notice convening the 66th annual general meeting and the auditor's report. Alok. SBI constituted under the State Bank of India Act, 1955 notice. The 66th annual general meeting of shareholders of the State Bank of India will be held at the State Bank auditorium, State Bank Bhavan, Madame Cama Road, Mumbai 400021 on Friday the 25th June 2021 at 3:00 P.M. The meeting will be held through video conferencing, other audio-visual means facility to transact the following business. To discuss and adopt the balance sheet and the profit and loss account of the State Bank of India made up to the 31st day of March 2021, the report of the Central Board on the working and activities of the State Bank of India for the period covered by the accounts and the auditor's report on the balance sheet and accounts. Dinesh Kumar Khara, Chairman, Corporate Center, Mumbai, dated 21st May 2021. As audit report is with unmodified opinion, if shareholders agree, shall we treat auditor's report as read? As the report is clean without any qualifications, the report can be treated as read. Thank you. Now I request the Chairman to deliver his speech. Thank you. Thank you, Alok. Ladies and gentlemen, a very good afternoon to all. I am very happy to welcome you to the 66th annual general meeting of the shareholders of State Bank of India being held at Mumbai today through video conferencing due to the unprecedented situations we are in. I feel honored to present your bank's performance highlights, achievements, and some of the significant initiatives taken during financial year 2021. The report of the Board of Directors and the audited financial statements of your bank as well as the State Bank Group for the year ended 31st March 2021 are already with you, and with your permission, I take these as read. I would now like to share some of the board-level changes which have taken place during the previous year, 2021. During the year, Shri Sanjiv Malhotra, Shri Bhaskar Pramanik, Shri Basant Seth, and Dr. Purnima Gupta retired from the board consequent upon completion of their respective terms. Dr. Ganesh Natarajan, Shri Ketan S. Vikamsey, Shri Mrugank M. Paranjape were elected by the shareholders as directors on the board under Section 19, subsection C of the SBI Act, 1955, and Shri B. Venugopal was re-elected as director by shareholders under Section 19, subsection C of the SBI Act, 1955. Shri Ashwani Bhatia, Shri Swaminathan Janakiraman, and Shri Ashwini Kumar Tewari were appointed as the managing directors by the Government of India under Section 19, subsection B of the SBI Act, 1955. Shri Rajnish Kumar retired from the office of Chairman on 6th October 2020 on completion of his tenure. Shri Arijit Basu, Managing Director, superannuated on 31st of October. The directors place on record their appreciation for the contributions made by Shri Rajnish Kumar, the outgoing Chairman, Shri Arijit Basu, Managing Director, and the non-executive directors, namely Shri Sanjiv Malhotra, Shri Bhaskar Pramanik, Shri Basant Seth, and Dr. Purnima Gupta, to the deliberations of the board. The directors welcome the new managing directors, namely Shri Ashwini Bhatia, Shri J. Swaminathan, Shri Ashwini Kumar Tewari, and the new non-executive directors, namely Dr. Ganesh Natarajan, Shri Ketan S. Vikamsey and Shri Mrugank M. Paranjape on the board. The directors express their gratitude for the guidance and the cooperation received from the Government of India, RBI, SEBI, IRDAI, and other government and regulatory agencies. The directors also thank all the valued clients, shareholders, bank and financial institutions, stock exchanges, rating agencies, and other stakeholders for their patronage and support and take this opportunity to express their appreciation for the dedicated and committed employees of the bank. Global economy has actually contracted by 3.3% in the year 2020. With the COVID-19 pandemic causing significant loss of lives and livelihood, GDP in India contracted by 7.3% in FY 2021. India experienced a second wave of infection, with cases rising rapidly since March 2021. The policy measures and the coordinated efforts of RBI and the government are directed towards enabling growth on a more durable basis during these difficult times. Notwithstanding the second wave of COVID-19, Indian economy, though it's frail, resilience is poised for a recovery in FY 2022. Bank's performance. Despite the impact of COVID-19, your bank's various growth has remained robust in financial year 2021. In financial year 2021, your bank's total deposit grew by 13.56%, INR 36.81 lakh crore from the previous year's level of INR 32.42 lakh crore. This growth, which is higher than the deposit growth of the all scheduled commercial banks at 11.40%, pushed your bank's market share up by 45 basis points to 23.29%. More importantly, the CASA deposit grew at a faster pace of 16.73% compared to the growth of 12.23% in term deposits, pushing up the CASA ratio to 46.13% and improvement of 97 basis points over financial year 2020. In financial year 2021, the banking industry's advances grew at a 59-year low of 5.6%, while your bank's domestic advances grew by 5.67%, INR. 21.83 lakh crore compared to 3.75% growth in the financial year 2020. The whole bank advances of your bank grew to the level of INR 25.39 lakh crore in financial year 2021 from the previous year's level of INR 24.23 lakh crore. The domestic loan growth is led by retail personal loans. The retail personal loan segment grew by 16.47%, INR 8.70 lakh crore in financial year 2021, aided by robust digital channels. Within retail, home loan grew by 10.51% to INR 5.03 lakh crore. Express Credit grew by 36.49%, INR 1.93 lakh crore, and gold loan grew by 465%, INR 20,987 crore. These together constitute around 82.41% of the total personal loans, which is one of our focus area. Our focus on retail lending helped us cross the milestone of INR 5 lakh crore in home loan and a market share of 34.53%. The growth in Express Credit has also been boosted by our YONO and INB platforms. Credit to corporate segment remains subdued and contracted by 3.02%, INR 8.1 lakh crore in financial year 2021, which is in line with the industry trend. Agri and SME loans have increased by 3.92%, INR 2.1 lakh crore and 4.24%, INR 2.7 lakh crore respectively. With decline in corporate loan book, the share of personal segment in the domestic loan book has increased to 39.89% from 36.19% last year. Your bank's investment portfolio increased to INR 13.62 lakh crore in financial year 2021 compared to INR 10.58 lakh crore in financial year 2020, mainly due to rise in SLR investments. Your bank part divested its stake in non-core assets and invested nearly INR 600 crore in private equity or alternative investment funds. Your bank has issued bonds to the tune of $600 million in January 2021 with fixed coupon of sub 2%, one of the lowest borrowing rates by any Indian corporate. The capital adequacy of the bank improved during the last financial year on the back of better capital planning, internal resource generation, and containment of risk in the banking book. The capital adequacy position of the bank improved from 13.06% in March 2020 to 13.74% in March 2021. The Tier 1 capital has increased by a 44 basis point to 11.44%. Despite financial year 2021 being an extremely challenging year, the pragmatic approach followed by the bank, coupled with the support of the customers, your bank has reported highest ever net profit of Rs. 20,410 crore against net profit of Rs. 14,488 crore in the previous year. The return on assets improved by 10 basis points to 0.48% in financial year 2021 against 0.38% in financial year 2020, and return on equity improved by 220 basis points from 7.74% to 9.94%. The bank over the last two financial years was dealing with steep rise in stressed assets. All-round efforts in managing stressed assets accounts initiated in financial year 2019 continued in financial year 2021 as well. Despite the outbreak of the pandemic and the consequent lockdown in financial year 2021 that altered the dynamics of stressed assets recovery, including disruption in the normal proceedings at NCLT, bank was able to achieve a reduction in the level of gross NPA by INR 22,703 crore by March 2021. The corporate segment saw the largest reduction in NPAs at INR 18,530 crore. The gross NPA ratio of the bank declined to 4.98% from 6.15% in the last year. The PCR has also improved to 87.75% in financial year 2021 from 83.62% in financial year 2020. Your bank is committed towards creating an environment of increased risk awareness at all levels. It also aims at constantly upgrading controls and security measures, including cybersecurity measures to ensure mitigation of various risks. Your bank has been tracking the credit portfolio very closely during the current pandemic. The bank performed customized stress testing of all portfolios, including corporate, retail personal segment, SME, and agri portfolios at periodical intervals during 2020-2021. The internal control mechanism of the bank has also been strengthened wherever required. Keeping pace with the rapid digitization in your bank, the internal audit department has initiated technological interventions for enhanced efficiency and effectiveness through system-driven and analytics-based audits. Being the banker to every Indian household, it was of paramount importance for your bank to take care of the safety of all our customers without compromising on service quality. During the pandemic, our wide network of 22,000-plus branches and 62,000-plus ATMs were kept functional to cater to our customers' needs. As a safety measure, we carried out regular sanitization of our branch premises to contain the spread of the virus. With the launch of doorstep banking, the customer can avail 10 types of services, like account statement, cash withdrawal facility, live certificate submission for pensioners, et cetera. Your bank has introduced the concept of floor managers in over 2,400 branches for superior customer service. In addition to this, we also embraced digital readiness to meet our customers virtually and organized over 800 e-town hall meetings for our MSME clientele. All our employees rose to the challenge of keeping banking operations functional during this critical period and served our customers without interruption. Various new IT initiatives have also been rolled out by your bank. Your bank is using and enhancing its analytical capabilities through AI/ML for improving efficiency, acquiring new business, and managing various risks. The following product variants are made available through YONO platform to ensure ease of banking for customers' convenience: pre-approved personal loans, pre-approved Express Credit, pre-approved pension loan, Insta top-up Express Credit, and Insta top-up for pension loans. For our corporate customers, a versatile net banking application, YONO Business was launched to provide a one-stop shop for customers to access five applications, viz., corporate internet banking, cash management products, supply chain financing, e-trade, and e-forex. Your bank is also working on providing a fully digital finance solution to our various customers on the YONO Business platform. A digital journey has also been introduced for forex rate booking and document upload facility to enhance customer convenience, which will help your bank increase income from forex business. The corporate social responsibility practices at SBI aim to integrate economic, environmental, and social objectives to implement national priorities for social development. In financial year 2020, 1% of the net profit, that is, INR 144.88 crore, was earmarked as CSR fund of the bank for the financial year 2021. During financial year 2021, your bank spent a total of INR 73.70 crore on various initiatives under CSR, including donation of INR 71.18 crore to SBI Foundation. Your bank also donated INR 11 crore to PM CARES Fund to support the COVID-19 vaccination drive and also committed INR 30 crore towards various other COVID-19 relief programs. Owing to concerted efforts, your bank's ESG rating has improved to BB by September 2020 and further improved to A by December 2020. This is a rating assigned by MSCI, an international body. Your bank has integrated ESG principles in its lending process with clear criteria for go/no-go decisions. Your bank has entered into an MoU with Luxembourg Stock Exchange to add impetus to ESG focus funds and bond markets. Your bank has undertaken extensive COVID relief measures, such as distribution of ventilators, health equipment, food packets, arranging for community-based testing, et cetera, both through our own branches and also through SBI Foundation. Your bank has committed adequate funding to support capacity building in medical infrastructure. Additionally SBI Foundation has launched India Health Alliance, a collaborative healthcare program to support the Government of India in its effort to combat current and future healthcare challenges in the country. Your bank's efforts in various areas of banking were acknowledged, and we won various awards during the year. To name a few, your bank was recognized as the Best Transaction Bank in India in 2020 by The Asian Banker, Singapore, for the fourth consecutive year. Your bank was also recognized as the Best Payment Bank in India in 2020 by The Asian Banker, Singapore, for the second consecutive year. In recognition of its exemplary performance, your bank was chosen as the Syndicated Loan House of the Year India by the Asia Pacific Loan Market Association. SBI has also been awarded the Best Trade Finance Provider India 2021 for the ninth consecutive year by Global Finance Magazine. Though through its subsidiaries, your bank extends a wide range of financial services to its customers, the growth exhibited by the subsidiaries has been healthy year after year. On a standalone basis, SBI Capital Markets posted a profit after tax of INR 273.25 crore for financial year 2021 as against INR 215.43 crore in financial year 2020. On a consolidated basis, SBI Cap Group posted a PAT of INR 527.10 crore in financial year 2021 as against INR 334.49 crore in the previous fiscal. SBI Life Insurance Company Limited has continued to maintain the leadership position amongst private player in number of policies issued which reflect mass coverage and strong market acceptance among life insurance across the country. SBI Cards and Payment Services Limited delivered lower PAT of INR 985 crore in financial year 2021 as compared to INR 1,245 crore in financial year 2020, mainly on account of the impact of COVID-19. To cover itself against future credit risk, the company has made higher provisions and overall management overlay stands at ₹297 crore in addition to the base provision of ₹1,358 crore as on March 2021. SBI Funds Management Private Limited, the asset management company of SBI Mutual Fund, is amongst the fastest-growing AMCs and ranked first in the AMC industry with a growth of over 35% against the industry average of 18.8% in financial year 2021. SBI General Insurance Company Limited has achieved gross written premium of ₹8,312 crore in financial year 2021 as against ₹6,840 crore in financial year 2020. The company registered growth of 22% and the market share has also gone up. SBI Global Factors Limited, a leading provider of factoring services for domestic and international trade, registered a turnover of INR 4,352 crore for financial year 2021 as compared to the turnover of INR 4,394 crore in financial year 2020. SBI Pension Funds Private Limited maintained lead position in terms of assets under management among the PFMs in both government and private sector. The total AUM of the company as on 31st March 2021 was INR 2,22,615 crore as against INR 1,60,491 crore as on 31st March 2020, translating into a year-over-year growth of 39%. Financial year 2021 was an exceptionally challenging year for the entire world. Despite this, your bank was able to function against all odds with minimal disruption for the customers. The business continuity plan that were chalked out have worked well for the bank, and this is reflected in various parameters of the bank's performance in financial year 2021. Notably, Bank has achieved high level of digitization with share of alternate channels in total transaction increasing to 93% in financial year 2021, thereby converting a challenging situation into an opportunity. The current financial year has begun with unexpected second wave of COVID-19 infections. The containment strategy this time including avoiding complete lockdown and managing the situations through micro-containment zones, the impact on the economy will nevertheless be felt. In the current financial year, Bank will continue to accelerate its digital agenda. The scope and reach of YONO will be expanded further. With the rollout of pre-package insolvency for resolution, resumption of courts, and formation of National Asset Reconstruction Company, efforts will be in full force to keep the momentum in stressed assets recovery in the current financial year. The Bank is comfortably placed in terms of growth capital. The opportunities for lending in promising sectors will be explored to diversify the portfolio and contain the risk. In conclusion, the bank adjusted to the challenges posed by the COVID-19 pandemic and is better positioned to tackle any subsequent wave. I am cautiously optimistic that the performance trajectory for financial year 2021 will continue in financial year 2022 as well. Let me end with this quote by Epictetus, "It is our attitude towards events, not events themselves, which we can control." Thank you very much for listening to me so patiently. Thank you. Now I request our Deputy MD, Finance to briefly explain the e-voting procedure Chairman, ladies and gentlemen, I shall now explain in brief the e-voting procedure. As you are aware, any shareholder with 50 shares and above registered in his or her own right, either as sole holder or as first-named holder when jointly held in the register of shareholders of the Bank for a minimum period of three months prior to the date of the annual general meeting, that is 24th March 2021, and who continues to be a shareholder with minimum 50 shares in the register of the Bank shareholders as on the date of the meeting, is eligible to vote on the resolution and will have one vote for each block of 50 shares held by him or her. All shareholders entitled to vote as detailed above can cast their vote through remote e-voting. Only those shareholders who are present in the annual general meeting through VC or other audio-visual means and who have not cast their vote on the resolution through remote e-voting, are eligible to vote through e-voting system provided by NSDL during the annual general meeting. NSDL e-voting platform bears resolution for adoption of audited annual accounts for the FY 2020-21. You can cast your vote by selecting appropriate options. That is assent or dissent, verify, modify the number of shares for which you wish to cast your vote and click on Submit, and also confirm when prompted on NSDL platform https://www.evoting.nsdl.com. The e-voting will be conducted under the supervision of Chief Financial Officer, the polling supervisor and the Chief General Manager, Compliance, the counting supervisor during the annual general meeting and will come to an end at 5:00 P.M. The scrutinizers C.S. Rajkumar R. Tiwari and Mehta & Mehta appointed by the Central Board after conclusion of the e-voting at the annual general meeting will unblock remote e-voting and submit a consolidated scrutinizer's report within two working days of conclusion of the annual general meeting to the chairman or a person authorized by him in writing who shall counter sign the same. Thank you. Agenda six is the announcement of the voting. Of course, the shareholders who have not joined AGM through VC or OAVM and have not cast their vote on the resolution through remote e-voting, may cast their vote now. The balance sheet and the profit and loss account, the report of the Central Board on the working and activities of the Bank for the period covered by the accounts and the Auditor's reports on the balance sheet and accounts have been circulated to the shareholders. Our shareholders are entitled to discuss and adopt the balance sheet and the profit and loss account of the Bank made up to the 31st day of March 2021. The report of the Central Board on the working and activities of the Bank for the period covered by the accounts and Auditor's Report. I now request shareholders present here and through VC who may wish to raise questions on the balance sheet and the profit and loss account, the report of the Central Board of Directors and the Auditor's Report to raise their questions. I would like to state that the question should be brief and confined only to the scope indicated by me. Those shareholders who have registered themselves as a speaker till 22nd June 2021 by 5:00 P.M. will only be allowed to express their views, ask questions. The questions will be restricted to agenda of the meeting, that is adoption of annual accounts of the Bank. May I now request General Manager, Shares and Bonds to announce the names of the speaker shareholders. Thank you, sir. We first will take all the questions from the speaker shareholders. Afterwards, Chairman sir will give replies to all the questions. The first question is from Ms. Asha Lata Maheshwari. Hello, Chairman sir. Chairman sir, [Foreign language] जी, बिल्कुल आपकी आवाज आ रही है। मेरी आवाज आ रही है Chairman साहब? जी, आपकी आवाज पूरा आ रही है, अच्छे से आ रही है। श्रीमान Chairman साहब, मेरा नाम आशा लता माहेश्वरी। श्रीमान Chairman साहब और अन्य मेरे सभी Director भाई, आपको आशा लता का आदर नमस्कार स्वीकार कीजिए। Chairman साहब मैंने balance sheet पढ़कर देखा, मुझे बहुत ज्यादा खुशी हुई। और यह भी मैंने सब देखा कि बहुत अच्छी तरह आपने explain किया है। आपने यहां आकर भी किया और balance sheet में भी बहुत अच्छी तरह आपने explain किया, सब detail में बताया है। और इतनी balance sheet बनाई है जैसे ऋषि वाल्मीकि जी ने पूरी रामायण लिख दी है। बहुत बढ़िया balance sheet बनाई है आपने। और Company Secretary और उनकी पूरी staff को मैं बहुत-बहुत धन्यवाद देती हूं। Chairman साहब आज आप पहली बार गद्दी पर बैठे हैं, तो मुझे बहुत खुशी हो रही है। और सब पूछे तो मैं तो यही कहूंगी कि बहुत से फूल खिलते हैं पर मुस्कुराते नहीं हैं। लेकिन आपको जब यहां आज मैंने पहली बार Chairman के रूप में देखा, तो लगा जैसे रात की रानी ले आई है। मुझे बहुत खुशी हुई आज आपसे मिलकर। और मैं आपका Chairman साहब स्वागत तो करती हूं और मैंने तो सोचा था कि आपका स्वागत मैं ऐसा करूं कि आसमान से तारे तोड़ कर ले आऊं। पर मैं तो साधारण से फूल भी नहीं ले पाई। आपको पता है आज बरसात भी बहुत है और देश की हालत बहुत खराब है। मैं फूल तो आपके लिए नहीं ले आई, पर मैं बहुत-बहुत आपका स्वागत करती हूं और कहूंगी Chairman साहब, कंपनी का profit 41% बढ़ा और इतनी मुश्किल हालातों में भी net profit income बढ़ी और interest expense कम हुए। और बहुत बड़ी बात तो यह है कि आपने ₹4 per share dividend देकर हमको तो बहुत खुशहाल बना दिया। बहुत समय के बाद dividend आया। आप हमारे लिए बहुत lucky Chairman साहब हैं और अपनी उम्मीदों पर खरे उतरे हैं। आपका नाम भी है खरे। आप हमारी हर मुसीबत में खड़े हुए हैं और यह आपके लिए कहूंगी, जैसे जुगनों का दीपक रात में चमके, जैसे तारों की चादर अमावस्या में चमके, जैसे चांद समुद्र पर तैरता हो, वैसे ही आपका बहुत प्यारा नाम है खरे। हर काम में आप खरे उतरेंगे। Chairman साहब मैं आपकी किस-किस characteristic चीजों की तारीफ करूं। आपने किसानों के लिए बहुत कुछ किया है। SBI Card, SBI Life Insurance, SBI Mutual Fund, यह सब आपके leadership में ही सब कुछ हुआ है। बन रहा है सब कुछ और COVID-19 के patient के लिए आपने इतना कुछ किया है कि बहुत सराहनीय काम आपने किया है। किसी bank वाले ने, जहां-जहां मैं shareholder हूं, मैंने किसी को नहीं देखा कि COVID-19 patient को इतना दान-पुण्य किया हो। मैं तो यह तक आपको कहूंगी Chairman साहब, पोठे ऊपर कोयल बोले बोल मेरे बोल। अभी तक कोई ऐसा पैदा नहीं हुआ जो लगा सके SBI का मोह। जय हो हमारे Chairman साहब की जय हो, जिन्होंने इतना दान पुण्य किया है। फिर Chairman साहब हमने पढ़ा कि आपको निज मरियाती property के लिए कुछ permission मिल गई है। अगर यह बात सच्ची है तो बताइए कब तक यह काम शुरू हो जाएगा? और Chairman साहब, COVID के समय हमने देखा कि हमारे staff में बहुत लोग हमको छोड़कर चले गए। बहुत दया आती है कि इतने मेहनती लोग जो bank में करते रहे, वह आज हमें छोड़कर COVID के समय में चले गए। आपने Chairman साहब, बताइए उनकी family के लिए क्या किया है? वह याद करेंगे, उनका तो कोई नहीं रहा इस संसार में, जिनके पति चले गए। तो बताइए आपने उनके लिए क्या किया है? उनके लिए जरूर कुछ कीजिए Chairman साहब। और हमारा staff भी बहुत ही मेहनत कर रहा है। रात और दिन जागकर मेहनत करते हैं। मैं कई बार phone करती हूं तो मुझे जवाब मिलता है, "अभी वह साहब के पास बैठे हैं।" रात को भी। बहुत ज्यादा मेहनत कर रहे हैं तो उनको भी आप जरा promotion दीजिए Chairman साहब। और फिर हमारी तरफ भी देखिए Chairman साहब, आपने हमें division दिया। हमें खुश किया जो अभी तक काफी समय से नहीं आ रहा था। पर Chairman साहब bonus के बारे में बताइए आपका क्या ख्याल है? अब तो हमें bonus की आशा लगी है Chairman साहब। तो इसका जवाब मुझे दीजिए। कहते हैं, फूल आपके कदमों की जन्नत बनेंगे और कली आपके दामन में होगी। खुदा ने अगर चाहा तो Chairman साहब अगली बुलाहत आपसे bonus के साथ होगी। Chairman साहब थोड़ी smile तो दे दीजिए हमको। आप bonus के नाम से चुप क्यों हो गए? अब आपने smile दिया तो मैं समझ रहा हूं कि bonus आएगा मेरे साथ। Chairman साहब मेरे तो उम्मीदें कर लेंगे। बस अब आप जरा bonus दीजिए मेरे जाने से पहले। तो जरा बहुत आपने smile काफी जोर से दी है। इसका मतलब मैंने तो समझ लिया आपसे इस साल bonus पक्का ही आएगा। Chairman साहब एक बात हमें बहुत पसंद आई कि आप इस strategic training unit पहले classroom में होती थी training और अब आपने training शुरू जो किया है, वह बहुत ही अच्छा काम किया है। 400% in-house education and banking exposed. तो मेरे ख्याल से तो बहुत ही नया development हुआ है आपका और बहुत सराहनीय काम आपने किया है। इसके बाद global recognition भी आपको मिला है। उसके लिए भी आपको बहुत-बहुत बधाई है Chairman साहब। आपने जैसा काम किया है, मैं आपके लिए यह दोहे सकता हूं। यू ही हासिल करो आप सफलता, एक दिन आप इतिहास रचाओगे। और करोगे हर वादा को पूरा, सारे जग में आप छा जाओगे। आप छा तो रहे हैं, आप पूरे जग में और भी छा जाएंगे Chairman साहब। क्योंकि मैं फिर कहूंगी आपका नाम ही इतना सुंदर है कि आप किसी भी चीज में नहीं रुकेंगे। Chairman साहब आपने जो Mysore में innovation किया है page number 83 में आप देखें। बहुत ही अच्छा करा है और सब photo बहुत अच्छी आई है page number 83 पर आप देखें। Chairman साहब यहां पर एक lady भी है। वो पीले कपड़ों में है। वो बड़ी सुंदर lady लग रही है मुझे। तो आप मुझे बताइए कि choice किसकी है? हमारे board की है या किसकी है? और वह कौन से staff में, कौन सी जगह बताइए वो काम कर रही है? हमें तो मिलना है। आज हम कैसे मिल सकते हैं? पहले हमें उनसे जरा मिलाइए तो सही। और Chairman साहब आप branches खोलिए ताकि और भी जनता का काम बढ़े। और भी लोग हमारे staff जितना बढ़ेगा, उतने ही लोग काम के लिए आएंगे। क्योंकि हमारे Prime Minister भी कहते हैं कि अब तो सबको job मिलेंगे और बहुत job मिलेंगे। हमारे Prime Minister भी बहुत खुश हो जाएंगे। तो आप बताइए और-और branches खोलिए, सब जगह खतम करेंगे और हमें भी बहुत खुशी होगी Chairman sir. Chairman sir, सबसे बड़ी बात मैंने देखी अपने bank में, NPS बहुत घटें हैं। वो मैंने किसी bank में नहीं देखा। आपके यहां NPS इतना घटा है, मुझे बहुत ताजूब हुआ और बहुत खुशी की बात है। और आज तक कहीं देखा नहीं था मैंने। तो बहुत ही खुशी होती है मुझे और भगवान करें आप और भी अच्छा-अच्छा काम करते रहें और सफल होते रहें। और आप होंगे, जरूर होंगे। और Chairman sir, बस इतना ही जरूर last में कहूंगी, उठाकर हाथ खुदा से दुआ मांगती हूं कि State Bank पर धन-लक्ष्मी बरसती रहे। पूरे संसार में यश फैलता रहे। खुदा इतना मेहरबान हो जाए कि State Bank की धरती आसमान को छूने लग जाए और उसी के साथ Chairman sir, जितने आसमान के तारे हैं, मैं कहूंगी धरती पर आ जाए। और Chairman sir, यहां मुझे कहना है आपके लिए। Madam. ये तो सब करेंगे ही आप। Last में आपके लिए कहूंगी Chairman sir, कि आपको सफलता मिलती रहे और धन-लक्ष्मी बरसती रहे आप लोगों के ऊपर। और last में Chairman sir, इतना ही कहूंगी जितनी चांद और सितारे जन्म हैं ऊपर, उतने ही आप सबको भगवान लंबी और सुखी आयु दे। आपको शुभकामनाएं देते हुए कहूंगी, जैसा आपने काम किया है। आक्सी जय हो। Chairman sir की जय हो और इसी के साथ में धन्यवाद देती हूं। Thank you, madam. The next question is from Mr. Bharat Shah. Sir, your line has now been unmuted. Please start your video. Hello. You can- Hello. नमस्कार Bharat जी। Chairman sir, अपना आवाज आ रहा है? हां, बिल्कुल आ रहा है। Chairman sir, Khare sir जी और अन्य माननीय Director sir, मेरा नाम Bharat Shah है। पहले तो Chairman sir मैं आपका बहुत हार्दिक स्वागत करता हूं। और अफसोस है कि COVID के कारण अपन face to face नहीं मिल रहे। नहीं तो Chairman sir मैं आपको फूलों का हार देकर आपका स्वागत करना चाहता था। तो मैं हृदयपूर्वक आपका स्वागत करता हूं और मैं फूलों का हार देकर आपका स्वागत करता हूं, आप ऐसा मानना जरूर। और इसके साथ Chairman sir मैं अपने नए Company Secretary श्री श्याम जी का भी हार्दिक स्वागत करता हूं और धन्यवाद देता हूं sir. और sir मेरी कोई query नहीं है क्योंकि bank को इतनी अच्छी व्यवस्था आप चला रहे हो sir. अभी आशा madam जी ने बताया, बहुत-बहुत व्यवस्थित सब सेवाएँ आपने किया है sir. सब branch में व्यवस्थित सब कुछ चल रहा है sir. आपने COVID के लिए भी बहुत अच्छा काम किया है sir, donation किया है। तो मेरी कोई query नहीं है क्योंकि बहुत अच्छी-साधी तरह company चल रही है। इस बार आपने dividend भी दिया है sir. तो बहुत-बहुत धन्यवाद देता हूं sir. और ऐसा ही भगवान से प्रार्थना है कि company दिन दोगुनी, रात चौगुनी आगे बढ़े sir. और sir dividend भी आपने व्यवस्थित अच्छा दिया है और ऐसा ही dividend बढ़ते रहे, भगवान से प्रार्थना है। और sir bonus के लिए जरूर सोचना sir. बहुत साल से bonus नहीं है तो यह साल तो sir आप जरूर bonus देंगे, यह हमको खात्री है। तो जरूर bonus देने की कृपा करना sir. और sir बस भगवान से प्रार्थना है bank बहुत आगे बढ़े sir. और sir दूसरा, Company Secretary श्री श्याम जी बहुत hardworking Company Secretary है sir. और उनकी पूरी team को भी मैं धन्यवाद देता हूं। उनकी team के अभिनव जी और पूरी team को मैं बहुत-बहुत धन्यवाद देता हूं sir. कोई भी query है तो Secretary department solve कर देता है sir. Shareholder का हमेशा respect देता है sir. तो मैं पूरी Secretary team और श्याम जी, hardworking Company Secretary श्याम जी और उनकी पूरी team का बहुत-बहुत धन्यवाद देता हूं sir. और sir आपको भी मैं धन्यवाद देता हूं कि कोई भी query है तो shareholder की आप लोग solve करते हो। Shareholder का इतना ध्यान रखके आप लोग company चला रहे हो। तो मैं बहुत-बहुत धन्यवाद देता हूं sir. बाकी तो मेरी कोई query नहीं है। Sir का भाव भी अभी व्यवस्थित और अच्छा है। यह bank की प्रगति बहुत आगे बढ़ रही है तो बहुत sir का भाव बड़े से, भगवान से प्रार्थना है। बाकी sir, other than यह मेरा पूरा support है। Sir, मेरी एक request है कि मेरे पास physical copy है, तो एक जरूर मेरे को भेजने की आपको विनंती करता हूं physical copy. क्योंकि मेरे को computer, net पर देखने का जमता नहीं है, तो physical copy जरूर मेरे को भेजने के लिए Khare sir आपको और मैं Company Secretary श्याम जी को request करता हूं कि मेरे को physical copy जरूर भेजना। बाकी sir, other than यह मेरा पूरा support है और next year COVID-19 control में आने के बाद sir, face to face मिलेंगे, भगवान से प्रार्थना है। Thank you, sir. जय श्री कृष्णा। Thank you, sir. Jai Hind. जय महाराष्ट्र। Jai Hind. जय महाराष्ट्र sir. Thank you very much. Thank you, sir. The next question is from Mr. Santosh Kumar. I would request the shareholders to keep their questions brief so that we can complete the question queue. Mr. Santosh Kumar, your line has now been unmuted. You can also put on your video so that we can see you. One minute, sir. माननीय अध्यक्ष जी, उपस्थित Director और सदस्यगण और मेरे shareholder भाइयों बहनों, आप सभी को मेरा नमस्कार। मैं Santosh Kumar Sir से बोल रहा हूं sir. आशा करता हूं आप और आपकी family, जितने हमारे career में staff है और उनकी family और जो भी हमारे 2 लाख कितने employee हैं, वह और उनकी family इस COVID की महामारी के अंदर में सुरक्षित और स्वस्थ होंगे sir. Sir, आशा लता जी का मैंने lecture सुना। वह आ नहीं पाई। तो उन्होंने आपको फूल का गुलदस्ता देने की सोची थी। लेकिन मैं तो कोलकाता से गुलदस्ता आपको दे नहीं सकता, sir। आज का virtual है तो मैं आपके request से मेरे virtual गुलदस्ता आप स्वीकार कर लीजिए sir। क्योंकि मैं पहुंचा तो सकता नहीं sir। Virtual सब कुछ होने वाला है तो virtual ही मैं आपको दे रहा हूँ। आप उसे ग्रहण करिएगा sir। Sir, मैं हिंदी में बोलता हूँ, आप समझते हैं लेकिन कई आदमी नहीं समझ रहे। मैंने English में advance में प्रश्न लिख कर भेज दिए हैं। उनको अगर समझ नहीं आया तो वो देख लीजिएगा letter को। Sir, मैं आपको बहुत-बहुत धन्यवाद देता हूँ कि तीन साल के बाद में हमारी bank ने dividend दिया, वह भी अच्छा dividend दिया 4% का। और मैं आशा नहीं करता हूँ अभी दो-तीन साल तक bonus मिलेगा क्योंकि अभी तो dividend list में हम आए हैं तो हम bonus list की सोच ही नहीं सकते sir। और मैं चाहूंगा bonus से हमें सिर्फ फायदा नहीं sir। हमारे share की valuation बढ़े। हमारा भी share हजार रुपए cross करे इसकी मैं प्रतीक्षा जब देखेंगे हजार रुपए share का cross करेगा, काफी अच्छा लगेगा sir। Sir, अब मेरे को बताइएगा कि bank ने step क्या लिया main जो इसका COVID का impact और effect अपनी company के bank के ऊपर business की income में और operation में कम से कम हो इसके लिए क्या आपने step उठाया sir? एक यह बताइएगा sir, cost cutting के बारे में आपने जो step उठाए हैं COVID के time में, बताने का कष्ट करिएगा sir। फिर sir मेरे को बताने का कष्ट करिएगा कि जो NPA in power sector, chemical sector और road sector में जो NPA हैं, इनको reduce करने के लिए आपने क्या step उठाया, बताने का कष्ट करिएगा sir। एक sir मुझे बताने का कष्ट करिएगा कि bank की क्या policy है, जो dormant account seven के हो जाते हैं और जिनमें कुछ balance रहता है sir, उसको bank किस हिसाब से dealing करती है। इसके बारे में bank की policy बताने का कष्ट करिएगा sir। एक sir यह जो loss making branch होते हैं या not performing branch होते हैं, इसके बारे में management क्या policy और क्या view है, यह भी एक बताने का कष्ट करिएगा sir। एक sir आपके women employee 25.92% है sir। मैं समझता हूँ banking जो अपनी service industry के अंदर आती है, इसमें अगर women employee की संख्या और बढ़ाई जाएगी तो काफी अच्छा होगा। अगर women को हम empower करते हैं तो अपना समाज भी empower होता है और अपना घर भी empowerment होता है sir। तो इसके ऊपर विचार करिएगा। और अभी तो finance minister भी women है sir। सोचिए कितना बड़ा finance चला रही है। लाखों का package Modi जी से consult करके दे रही है। और अभी तो अपने सेना को भी lead women कर रही है। Naval में भी women हैं। यहां तक कि fighter plane भी चला रही है sir। तब women को ज्यादा-ज्यादा empowerment की यह आपके request है sir। इससे समाज की भी मदद होगी sir। दूसरा sir मेरा यह है कि आपने जो COVID के अंदर में, क्या अपने कितने employee affect हुए हैं और कितने हुए हैं और जो deceased हुए हैं उनकी family की तरफ आप किस तरह सहायता कर रहे हैं। क्योंकि कई ऐसे हैं जिनके दोनों चले गए, बच्चे छोटे हैं। तो ऐसे तो हमारे Modi जी ने announce किया कि 20 साल के बाद ₹15,000-₹20,000 देंगे। लेकिन company के कर्मचारी थे, जो काम करते हुए चले गए, उनके लिए क्या step उठा रहे हैं, बताने का कष्ट करिएगा sir। एक मेरे को 2,45,852 employee जो आपके 31 March 2021 पर थे। इनके बारे में मेरे को gender wise और zone wise और age wise description क्या है? यह अगर आपके पास हो तो बताइएगा। अभी नहीं होगा तो sir email से जवाब दे दीजिएगा। तीसरा zone wise, gender wise, age wise क्या है? 2,45,000 का description हमारे क्या है यह बताने का कष्ट करिएगा। Sir, ज्यादा मैं समय नहीं लूंगा। हम तो आशा करते हैं कि आप इसी तरह एक बहुत बड़ी bank है और finance minister से कहिए कि अगले साल भी virtual meeting का permission दे। 31 December के बाद अगर virtual meeting होगी तो मैं बहुत पुराना shareholder हूँ। मैं IPO से shareholder हूँ। कभी मेरी आपकी meeting होती नहीं। एक बार meeting हुई थी नेताजी इंदौर stadium में। तब के बाद हम आपकी meeting भी देखने से और allow भी नहीं है। और मेरी जो age है, मैं Bombay जाकर attend ही नहीं कर सकता sir। तो भगवान से प्रार्थना करता हूँ आप इसी तरह virtual meeting करिए। और एक request last में यही है sir। अगर मान लीजिए physical meeting करते हैं sir, तो आप लोग जो बाहर वाले shareholder हैं, जो pony share में shareholder हैं, उनके लिए आप थोड़ा सा virtual meeting का एक program रखिए। आधे घंटे का session रखिए। बाद में कभी भी meeting के बाद में या meeting के पहले तो उनसे अपनी भावनाएँ जो प्रकट करने का मौका है वो आपको देंगे। Sir, भगवान से प्रार्थना करता हूँ आपकी जितने director लंबी उम्र हो, हमारे जितने भी team manager हैं उनकी लंबी उम्र हो, जितने भी staff हैं उनकी लंबी उम्र हो। और इस COVID-19 के अंदर में 2021 का साल उन सभी के लिए healthy, wealthy और prosperous रहे और सुरक्षित रहे sir। यही प्रार्थना करते हुए मैं अपना पत्र समाप्त करता हूँ। और Khara sir आपने समय दिया, बहुत अच्छा समझा दिया। इसके लिए आपको बहुत-बहुत धन्यवाद। आपकी लंबी उम्र की कामना करता हूँ और आपकी leadership में bank की और ऊंचाई पर पहुंचेगी इसकी भी आशा करता हूँ कि आपकी leadership में 4% dividend हमें मिला तीन साल के बाद में। तो इस तरह का अगले साल dividend हमें bonus नहीं चाहिए। हमें हजार रुपए से ऊपर value देखनी है sir। Bonus देने से क्या फायदा है? Dividend देते रहिए। धन्यवाद sir। नमस्कार आप सभी को। धन्यवाद sir। Thank you. The next question is from Miss Lekha Shah. Madam. Hello. Madam, your line has been unmuted. Please turn on your video and ask your question. Hello, can you hear me, sir? Yeah, I can hear you. Please go ahead. Thank you, sir. Respected Chairman sir, board of directors and my fellow members. Good afternoon to all of you. Myself Lekha Shah, Mumbai Andheri. First of all, I am very much thankful to our company secretary and his team special संजीव sir Very good investor services and also sending me the annual report by email during such a difficult situation. So I am very grateful to our company secretariat team. Chairman Sir, congratulations for winning the greatest award this year. Thank you, Chairman Sir, for explaining us the level of the bank. Chairman Sir, I am happy to see all the good deeds that you have done during these difficult times. Chairman Sir, I pray to God that he pours all his blessings upon you. Sir, I would like to ask a few questions. My first question is, what are the benefits achieved after merging its subsidiaries in SBI? My second question is, what are the amount and the name of the PSUs for which the NPA provision has been made? My third question is, how are we engaging our employees? I would like to say, I strongly propose all the resolutions for today's meeting and my best wishes always to the bank and its prosperity. Thank you, sir. Madam, could you repeat your questions? You were not very audible. Yes, sorry sir. My first question is, what are the benefits achieved after merging its subsidiaries in SBI? My second question is, what are the amount and the name of the PSUs for which the NPA provision has been made? My third question is, how we are engaging our employees. Thank you, madam. Thank you. Thank you very much. The next question is from Mr. Yusuf Yunus Rangwala. Hello, good morning, sir. Good evening, sir. Can you hear my voice? Yeah, we can hear you. Thank you. Sir, thank you very much, sir. I am very happy to hear you are the Chairman, sir. That was very excellent, sir. I am very happy to be a part of this excellent bank and our Company Secretary who is so dynamic, sir. He was also calling whether you have joined or not. This shows This shows how much he wants you. I want you. I want to say one small thing, in SBI analyst meet you forgot me, sir. You would have called me sometime, sir. I am one of your sir. I am one of your well-wishers, sir. You told that you have sir. You told that you have 400 ATM centers. First of all, I want to thank you very much that you gave INR 4 dividend. Sir, in COVID-19. Our sentiment, sir, is also of INR 4. Please find out. Sir, first of all, I want to join from the previous speaker aunty, that sir what is your view about the bonus? You gave You gave bonus of INR 10, we are also happy with you, sir. I have I have become a shareholder of all your four companies sir, SBI Life, SBI Card, all companies sir. I have become rich with you, sir. With you, with SBI Life sir. I have one small sir. I have one small humble request, sir, that our company secretary is there, can I get his office number sir, please sir. I came to your office about six months ago sir. I had to come to Bandra Kurla. Sir, what a strict checking you have, you have to enter bag. Wherever I go, there is not so much strict checking, sir. You have very strict You have very strict checking, sir. If we ever come sir, for our shareholders, please give us an appointment sir, if we ever come. I want if we ever come. I want to meet you sir, it would be a great kindness if you could send me your visiting card sir, to my address sir. I have nothing more to say. I just want to say this much, that I have become amazing and rich by joining this bank sir, in your SBI sir. I have in your SBI sir. I have nothing more to say sir. Thank you very much. Sir, I will give you my full support in the future. Thank you very much, sir. [Foreign language]. Thank you, sir. Bye-bye. Thank you. Thank you, sir. Please say your name. The next question is from Ms. Smita Bharat Shah. Madam, you have now been unmuted. Please start your video and ask your question. Thank you. Hello. Yes, ma'am. Yes, ma'am. You are audible. Yes, ma'am. Go ahead, please. Okay. Thank you, sir. Respected Chairman sir and other respected Directors sir, my name is Smita Shah. Sir, first of all, I welcome you on the chairman post of our SBI. Along with that, I also welcome all the new directors and congratulate all of you. Today the share price has also increased well. The well. The performance is excellent. You also opened many new branches. Sir, along with congratulations, I give you many best wishes. with congratulations, I give you many best wishes. Sir, in the balance sheet, it is not opening completely for us. I don't know much, but as us. I don't know much, but as much as the dividend was given, but as the previous speakers told me, I came to know that your dividend which is given, so thank you very much. आपकी customer service भी अच्छी है, sir। और sir मेरा सिर्फ एक question है कि अपने जो SBI के bond का rate 1% था, तो अभी current में bond का rate कितना percent है? क्योंकि अभी फिलहाल FD के interest rate काफी कम होते जा रहे हैं। तो sir bond के percent rate फिलहाल वाले कितना है? तो sir अगर हो सके तो बताने की जरूर कृपा करें और future के आपके plan क्या हैं, यह भी जरूर बताएं। बाकी तो sir हमारा हमेशा full support रहा है और आपके सभी के excellent work के लिए मैं आपकी हिम्मत को बढ़ावा देते हुए आज के सभी resolution में मेरा fully support करती हूं। और last में sir, आज हम आपके साथ इस virtual माध्यम के द्वारा दोबारा मिल रहे हैं, इसके साथ आपको हम मिल पाए, इसके लिए आपने जो मौका दिया, good service के लिए मैं company secretary श्री श्याम जी को भी board पर as a company secretary के पद पर आने के लिए हार्दिक स्वागत करते हुए, अभिनंदन के साथ धन्यवाद करते हुए उन्हें भी future की ढेर सारी शुभकामनाएं। साथ में उनकी team के अभिनव को भी उनकी मेहनत और good service के लिए धन्यवाद और पूरी team को भी धन्यवाद। और last में sir कहूंगी कि sir हम आशा करते हैं कि next year हम face to face AGM में मिल सकें। बाकी तो sir फिलहाल तो हमें घर पर रहना है, health का ध्यान रखना है और हम hope रखते हैं कि next year की AGM हम आपके bonus के साथ, आपके साथ face to face जरूर मिलें। Sir, यह परिस्थिति अगर सुधर जाए तो यह मेरी ईश्वर से प्रार्थना है और मैं एक request जरूर करती हूं कि यह परिस्थिति सुधर जाए तो दिवाली के बाद हो सके तो एक छोटा सा get together रखकर हमें आपको रूबरू मिलने का मौका जरूर दीजिए। Sir जरूर सोचिए। बाकी तो ढेर सारी शुभकामनाएं के साथ धन्यवाद sir. Thank you, ma'am. Thank you, madam. Thank you, madam. The next question is from Mr. Gautam Tiwari. Sir, please start your video. Your line has now been unmuted, you can ask your question. Sir, मेरी आवाज आ रही है? हां, आपकी आवाज आ रही है, sir. जी, सुन पा रहे हैं। Honorable Chairman जी, sir आपको देखकर दिल गदगद हो गया। इतना अच्छा लगा आपको देखकर कि हमें आपके दिल से, आपके चेहरे से ही बहुत सारा सुकून, बहुत सारा confidence, trust और faith मिल गया है इस bank के अंदर में। आपने जो भी अभी explanation दी है, उसके द्वारा और आपके total presentation के द्वारा और आपके total चेहरे के द्वारा सब कुछ मालूम हो गया। Khare जी, आप बिल्कुल खरे मतलब सच्चे हैं। आपका तो of course नाम बहुत ही अच्छा है जैसा कि दिखाई देता है और हम आपका वाकई फूलों से स्वागत करते हैं। We are there from day one with SBI, sir. और day one से हमने जो देखा है SBI को तो उससे अभी कभी भी दूर नहीं गए। Always we are a shareholder and speaker and account holder in a big way. Sir, analyst की meeting जब भी होगी, जरूर हमें बुलाइएगा। जरूर हम बहुत काम में आएंगे आपके। Sir, हम एक बात कहना चाहते हैं कि हमारे सभी नए directors को भी बहुत-बहुत बधाई और हमें पक्का विश्वास है कि उनके expertise का और उनकी मेहनत मशक्कत का हमारे bank को आगे भी बहुत फायदा होगा और अच्छे से फायदा मिलता रहेगा। Sir, हमारे share and bond department जो भी है, वह इतनी अच्छी balancing बनाई है और इतनी अच्छी तरीके से वह investor care और investor service दे रहे हैं कि जो अपने आप में लाजवाब है, जिसके लिए ऐसी अच्छी team को चुनने के लिए हम आपको और SBI को बहुत-बहुत धन्यवाद देते हैं। अभी sir अगर हम अपने business पर आ जाएं तो हमारे employees और staff ने COVID pandemic के दौरान भी जो रात-दिन मेहनत करके बहुत ही सुचारू रूप से, without interruption bank को बहुत अच्छी तरीके से चलाया है और बहुत रात-दिन मेहनत की है, उसके लिए तो words नहीं है उनकी तारीफ करने के लिए। इसमें कई employees की fatally infected होकर जान भी चली गई है। तो उनके परिवार के लिए sir हम क्या कर रहे हैं फिलहाल? जिन्होंने अपने प्रियजन को खो दिया, उनके लिए हम क्या कर रहे हैं और क्या करने का हमारा plan है? please बताइएगा, बहुत important बात है। Sir, business तो चलता रहता है। Sir, आपने एक बहुत अच्छा काम किया है। Sir, पूरी दुनिया में किसी ने भी नहीं किया वह काम जो आपने किया। हम तो इतने खुश हो गए। I have been traveling throughout the world with my family. अभी तो दो साल से बंद हो गया है because of COVID-19. किसी ने भी अब तक इतना अच्छा काम नहीं किया कि 15 दिन पहले आपने जो scheme launch की है sir, वह Kavach Personal Loan की, 8.5% interest पर personal loan ₹5 लाख का देने की। Sir, मैं बता नहीं सकता कि मुझे कितना अच्छा लगा। यह आपने बहुत अच्छा काम किया। यह COVID का positive अगर patient है तो उसके लिए 8.5% में हम लोगों ने जो ₹5 लाख personal loan उसके लिए जो allot किया हुआ है, just 15 दिन पहले launch की है scheme, तो हमें तो यह भी भरोसा नहीं कि वह बेचारा वापस आ जाएगा या नहीं आएगा हमारा कर्ज चुकाने के लिए। उसके बावजूद यह risk लेकर आपने वाला काम किया है, जिसके लिए आपको जितना भी धन्यवाद दिया जाए sir, उतना कम है। Right from the depth of my heart, wholeheartedly I really compliment you. I really wish that you have done the best of the thing from all the shareholders and stakeholders and from our side also directly. Sir, अभी एक और छोटी सी। सारे shareholders की तरफ से एक बहुत ही बड़ी और बहुत अच्छी request है, sir. पिछले तीन सालों से हम लोग बिल्कुल तरसते रहे dividend के लिए। लोगों ने ऊंचे-ऊंचे भाव पर share लिया। लेकिन of course पिछले साल ₹150 का price था, आज ₹400 से plus है। तो हमारा share price तो बहुत अच्छा बढ़ा है। इसका मतलब साफ है कि हमारी bank बहुत अच्छा काम कर रही है। बहुत अच्छा profit, नाफा कमाया है। बहुत अच्छा reserve हमारे पास में है। बहुत अच्छा funds है। तो sir इस बार तो जरूर आपने ₹4 dividend दिया। बहुत-बहुत बधाई इसके लिए sir। Shareholder सारे खुश होंगे इसके लिए। लेकिन एक छोटी सी बात अगर आप मान लें shareholders की या उस पर विचार करें sir कि जो तीन साल से हम लोगों, सारे shareholders को जो नहीं मिला dividend, तो उसके compensation के हिसाब से अगर आप कुछ जरा सा mini bonus या कुछ भी अगर दे दें तो shareholders को बहुत-बहुत खुशी होगी। वैसे sir आपने तो बहुत ही अच्छा काम किया है और बहुत ही अच्छी यहां पर performance दी है। इसके लिए हम आपका जितना भी धन्यवाद करें, उतना कम है। Sir आपके आने से हमें dividend मिला। इसके लिए हम यह जरूर समझते हैं कि आप बहुत ही lucky हैं हमारे bank के लिए और हमारे सभी stakeholders और shareholders के लिए भी। Sir हम रात-दिन प्रार्थना करते हैं कि आपकी health, wealth और prosperity और safety, आपकी और आपके family की, सभी board की हमेशा-हमेशा बहुत ही तंदुरुस्त बनी रहे और आप हमें ऐसी तरह खुशहाल हमेशा-हमेशा मिलते रहे। Sir capital adequacy ratio हमारा जरूर बढ़ा है, लेकिन उसे और बढ़ाने की चाहत जरूर है हमारे पास में। Sir senior citizen के लिए अगर हम आएँ, तो senior citizen के लिए overall sir आप कुछ तो भी कीजिए क्योंकि हमारी bank में बहुत सारे senior citizen हैं जो account holder और shareholder हैं। तो उनके लिए आप क्या करेंगे यह जरा बताइए plan में sir. Sir, हमें बहुत खुशी हुई कि हमारी bank को best payment और best transaction का जो रुतबा मिला हुआ है The Asian Banker की तरफ से, इसके लिए हमें बहुत खुशी है। वैसे भी State Bank का बहुत नाम है और हम बहुत खुश हैं being a shareholder and being account holder of this State Bank right from day one from our daddy mummy's time, sir. Sir, rural और urban section में जो area है हमारे यहां के हिंदुस्तान के, हमने कितनी branches खोली हैं, specially यह COVID के समय में, अगर कुछ खोली है तो। और कितनी pipeline में है। अगर आप बताने की कृपा करें तो बहुत अच्छा होगा। और sir, हमने कितना loan write-off किया है। Chairman sir, हमने कितना loan write-off किया है? क्योंकि Vijay Mallya से हमको कुछ मिलने की उम्मीद है। ऐसा हमने पढ़ा हुआ है। I am very sure bank कोई कसर नहीं छोड़ेगी जो भी loan हमें मिल सकता है उसके लिए। लेकिन हमारा जो NPA है sir अभी जो आज का हिसाब है, तो उसको घटाने के लिए कुछ ना कुछ तो जरूर करना पड़ेगा। तो उसके लिए आप और कौन सी special steps उठाएंगे वह भी जरा बताइएगा। और sir वैसे we are very happy. आपने जो भी काम किए हैं, बहुत ही अच्छे काम किए हैं और I am very sure sir आपने CSR activities। आपने बहुत अच्छा काम किया sir, PM CARES Fund में भी दिया और directly जो मदद की है। More than ₹100 crores हम लोगों ने इसके लिए खर्च किए हैं और आगे भी करने की उम्मीद है। आगे भी निकाल के रखा हुआ है। तो यह भी काम बहुत अच्छा है और इसकी NPA, यह "Kavach Personal Loan" जो आपने launch किया है, वह भी बहुत अच्छा काम है। तो यह बहुत अच्छे काम किए। Sir हमको इतना आशीर्वाद क्योंकि जहां है तो जहां है। हमको सारी दुनिया, सारे लोगों के इतने आशीर्वाद मिल रहे हैं कि उनसे हम फूले नहीं समा रहे हैं। I am very sure आपने आगे भी आप जैसा ध्यान आज रखा है, वैसे ही आप आगे भी रखते रहेंगे और पूरी staff, पूरे employees और पूरे board of management ने जो बहादुर काम किया हुआ है, जो बहुत ही खुशगवार काम किया हुआ है हर एक मामले में, वैसा ही वो करते रहेंगे और bank को इसी तरीके से आगे बढ़ाते रहेंगे। Sir हम आपके लंबी-लंबी age के लिए और bright future की कामना करते हुए अपने bank के भी bright future की कामना करते हैं। उम्मीद करते हैं कि आपके साथ ही ऐसी तरह bank हमेशा progress करती रहेगी। इसी तरीके से आप हमें हमेशा मिलते रहेंगे। हमने एक भी meeting miss नहीं की सभी bank के group में हमारे SBI के। तो इसके लिए हम कामना करते हैं। और sir कभी हम आएँ तो हमें आपसे मिलने का मौका जरूर मिले। यह बात जरूर note कर लीजिए। बहुत काम किए हैं हम। आप कभी भी मिलेंगे तो you will be convinced about it. It is my statement on this thing affidavit. Sir, I am very sure you have listened so carefully and so nicely and [Foreign language]. I am very sure in the days to come [Foreign language]. [Foreign language] sir. Wish you a very very happy and prosperous life. Very very long and safe life to you and your family and to all the board and all those who are connected with us. [Foreign language]. Thank you very much. Thank you Gautam जी, thank you. Thank you. We would request the shareholders to be brief in their questions so that we can address all the questions. The next question is from the line of Mr. Siddharth Guha. Sir, you have now been unmuted. Please start your video and ask your question. Thank you. Good afternoon. I am a small shareholder from Calcutta. I personally thank the Chairman, the MDs and the SBI management including the shares and bonds department for giving me an opportunity to be able to interact with you all online. I also thank the management for giving us a substantial dividend after a long period, at least after 3 years. I have some small questions to be asked to you. I would like this. I'm just giving it a listing. What is the SBI's outlook on NBFC in view of the current situation? What is the amount of outstanding GDRs as on 31st March 2021? What is the GDR holding in total GDRs issued as on 31st March 2021? What are the new initiatives planned by Bank for more extensive use of the social media in 2021, 2022, and how does the Bank intend to promote these for extending the coverage? How has the TBU improved the relationship of Bank into its targeted clientele, that is, the government departments, the corporates, and the financial institutions? Sir, technological frauds are on the rise. What steps are being taken to safeguard the interest of the depositors? Sir, another question is that, this is because I was dealing with steel some times ago. What is the view of the Bank on steel sector in view of the improving steel market and which is poised to improve further? Is the Bank foreseeing any change in outlook on steel sector from negative list? These are the questions which I wanted to ask. I personally thank you, everybody, for allowing me to interact with you. Thank you. Thank you. Thank you very much. Thank you, sir. The next question is from the line of Mr. Rajiv Jha. Sir, you have now been unmuted. Please start your video and ask your question. Good afternoon to all the panelists, our chairman, and other executive committee directors. I have been an account holder of the bank since I was a student, 50 years ago. I have been an account holder and also one of the shareholders, a small shareholder, although. There are some questions, of course. The bank's performance, there is no doubt about it. It has been a tremendous performance in the current conditions. As my previous panelists have already said, shareholders have already said, yes, dividend is a welcome relief after many, many years. Again, just for a comparison, it is not a demand, but just for comparison, I'm also a shareholder of a competitive bank, ICICI Bank. On a 1 rupee share, I've got a dividend of INR 6.5. Just for comparison's sake. We would like to, if possible, make plans for either a bonus issue or at least a rights issue at a discount so that shareholders can be compensated to some extent. I would like to talk about the customer service. Again, as a senior citizen, I do go to the branches on and off. In a medium-sized branch, I'm not talking of very large branches. Even in a medium-sized branch, you tend to get lost. There is no meet and greet desk where somebody can guide you. Even if there is a desk, unfortunately, it is not manned that many times. I would like that customer service should be given a priority at the branch level or at the zonal office level, local head office level. We could probably think of having customer consultative committees at LHO level, zonal office level, the regional level, so that they could visit the branches, see what kind of service is being offered, and where are we lacking. In addition to this, again, this could be more of a technical issue. Probably IT would be more concerned with it. Recently it happened that I went to withdraw cash, and unfortunately, I did not carry my phone with me. Immediately when I went to withdraw cash, it asked me for an OTP number. OTP number always creates a problem for all of us, right? Maybe I was not used to it. Even for a sign-in on the online platform, it is asking for an OTP number. That means I need to have my mobile next to me. This is something which is a practical difficulty. Probably this could be thought of how to make it more convenient. I am one of the clients for wealth management. Wealth management, when I go to the branch, I am lost. If there is nobody recognizing or I don't know whether it is flagged as an account as a wealth management client or not, I'm not too sure. When I enter the branch, there is nobody who recognizes me, who has to give me offer. Every time I cannot call the relationship manager, and relationship manager is sitting at LHO, which may or may not be able to give me assistance. My suggestion is that if we could have wealth management desk at some important branches, not just one branch, some important, so that they are manned. Even if I go to not my home branch, but some other branch, but there is a counter or somebody who will attend to it. On the ATM front. In the last COVID, we used to have mobile ATM services available, but this time there was no mobile ATM service available. I don't know whether the banks, as a matter of policy, have decided on what to offer, because we were hoping that senior citizens do not need to go out. We can withdraw cash whenever the mobile service is here, but it has not been so. This is something which probably the bank can look at. The last but not least, I was hoping, I see many youngsters who are in startup mode right now. They need financial assistance. We could launch, I don't know whether a fund could be launched specifically for startups, say, financial assistance up to INR 5 lakhs, INR 10 lakhs, just as a startup, only for startups. This would be something which the bank would be able to retrieve later when these companies or when these startups grow into a full-fledged company. The bank would build goodwill. It will be helpful in the future. That's all from my side. Thank you so much, everyone, and have a good evening. Thank you very much, Mr. Rajiv. Thank you. The next question is from Mr. Harihar Prasad Sinha. Sir, you have now been unmuted. Please start your video and ask your question. Good evening, sir. Respected Chairman, sir, and gentlemen shareholders. I am delighted to have an opportunity to interact with you on this auspicious occasion of 65th AGM of SBI. Since the inception of banking in India, SBI and its ancestral banking organizations like Bank of Bengal, thereafter Imperial Bank, and lastly SBI, have performed a vital role in economic growth. Apart from this, the government trusted to uplift the weaker society through mass banking, especially in the agriculture sector, and SBI became a pioneer. Kudos to you as well as the bank management to achieve new heights of all spheres of the Indian economy. The nation feels that without SBI, rapid growth is not possible at all, and the bank succeeded to satisfy every type of customer. I congratulate SBI for outstanding performance in the year of 2021 during the pandemic adverse situation. Today is the AGM and time of discussion on financial data growth and future plans. I have gone through the annual report and happy to note that after a gap of three years, SBI distributed a dividend at the rate of INR 4 per share, which is commendable and appreciable. As regard annual report, kindly refer page 176-179. I encountered with the amount figures mentioned therein. As per report under defined benefit plan, under subhead employee pension plan and gratuity plan as per actuarial valuation. The report reveals that the current annual provisioning defined benefit obligation rose to INR 106.4 thousand crores from INR 97.4 thousand crores from the previous year, having a net increase of about INR 9,000 crores. I just want to know the amount is meant for bank retirees and whether the bank has any plan to distribute the amount to pensioners of bank providing enhancement of their pension. Moreover, due to excellent deployment of funds in bonds and securities, bank has surplus all the time after paying pensions to retired employees. The second thing, I request Mr. Chairman to initiate a consultation with the finance ministry to declare banking employees as coronavirus. This has not been declared so far, as information I have. The second is, I can appreciate State Bank of India that during the pandemic area and in future, the bank is having no competition at all with other banks. That is commendable and very good performance we hope in future also. I again thank the bank to give me a chance to speak a few words, for which I am delighted and grateful to the bank. Thanks. Thank you, Mr. Sinha. The next question is from the line of Mr. Pradeep Kumar Roy. Sir, you have now been unmuted. Please start your video and ask your question. Okay. Mr. Pradeep Kumar Roy, your line is unmuted. You can speak now. Hello? Yeah, we can hear you. Okay. Yes, sir. Please go ahead. Hello. Yeah, Mr. Roy, please go ahead. Hello. Yeah, we can hear you, Mr. Roy. Hello. I am audible? Yes, sir. You're audible. Respected Chairman, State Bank of India, and other dignitaries, good afternoon. I am Pradeep Kumar Roy from Kolkata. At the outset, I express my gratitude to State Bank of India management for providing me an opportunity to attend the 66th Annual General Meeting of SBI through VC. I'm delighted to attend the AGM of SBI, a bank which has set an exemplary standard of banking internationally. Chairman sir, as a citizen of India, I feel proud to see the fabulous growth SBI achieved under your able leadership. It is a matter of pride to see SBI achieve the never-before profits under your able leadership, Chairman sir. Chairman sir, I take this opportunity to congratulate each member of staff of State Bank of India who have, despite the deadly pandemic COVID-19, kept the banking system rolling. Chairman sir, I have seen how the employees of bank are attending office despite non-availability of conveyance and other obstacles due to lockdown. This is possible for the inspiring and human gesture of Chairman like you. Chairman sir, I'm sure in future, SBI will attain further heights under your prudent and caring leadership. Sir, I'm sure the way you are trying to serve this great country through its largest bank will keep a mark in the history of banking internationally. Sir, kindly allow me to put few questions. My first question is, what are the strategies planned to improve other income from treasury operations? My second question, what is the current liquidity position of the bank? My third question is, what is the position regarding MTM provided on investment book? My last and fourth question is, what is the yield on 10-year G-Sec as on Quarter four 2021, sir? Thank you, sir. Thank you very much. Thank you. Thank you very much. The next question is from Mr. Chand Kishore Kapoor. Sir, you have now been unmuted. Please start your video and ask your question. Mr. Chand Kishore Kapoor? Mr. Chand Kishore Kapoor? Since the shareholder is not audible, we'll come back to you later and move on to the next speaker. The next speaker is Mr. Amitava Ghosh. Sir, you have now been unmuted. Please start your video and ask your question. Mr. Amitava Ghosh, you have now been unmuted. Sir, you're on mute. Can you please unmute? You're on mute from our side. Can you please start now? We can see you, but we can't hear you. We are unable to hear you. We can see you, though. Please start again, sir. No. Sir, we are unable to hear you, so we'll take your question later on. The next question is from Mr. Rajender Agarwal. Sir, you have now been unmuted, Mr. Rajender Agarwal. You can start your video. Yeah, we can hear you. Sir, my voice is coming to you? Yes. We can hear you now. Sir, respected Chairman Khara and other directors, members, and shareholders. Sir, it is not an easy task to run such a big bank in the world. Many branches, handling such a big family. In spite of that, during the COVID time, when the businesses of the world are going down, State Bank of India continued to progress, reduced NPA, and gave dividend to the shareholders. It is not a small task to take care of the entire staff, and State Bank people, even if they are not called frontline workers, they have worked like frontline workers, they have risked their lives. Many State Bank employees have lost their lives. I want you to think about this also. Sir, I have only one question. Our Prime Minister is moving towards Digital India. We try to go to the bank and disturb the staff as little as possible. When we use ATMs or digital mediums, we incur charges. Attention should be paid to these charges, because we also do not want to move towards digitization. We also try to disturb the staff as little as possible so that they can focus on other work. Sir, you know how much the bank will progress under your leadership. Thank you, sir. Thank you very much. Okay, sir. The next question is from Mr. Aloys Mascarenhas. Sir, you have now been unmuted. Please start your video and ask your question. Thank you, Chairman, Mr. Ramsharan Murmu, MD, Mr. Chawla, all other wonderful shareholders attending this virtual meet. Hello. Shareholders who are attending. Hello. this virtual meet. Hello. Thank you. Hello. Speaking from Mumbai. Hello. First of all, I thank the company. Just one sec. Hello. my team for attending this board meeting. Hello. Madam, please ask your question. And thus- Hello. -reminding the AGM because there are four, five together. Madam, please. This is the care. Hello? Hello. Madam. Hello. Madam, there is. Hello. Can you hear me? Yeah. Can you hear me, sir? Yes, we can. Just 1 sec. We are just trying to clear the lines. There are 2 people. Yeah. Sir, please go ahead. Attending to all the parameters required for a good corporate governance. Our results are very good as shown in facts and figures and a good dividend of INR 4, which is really commendable seeing to the economic scenario and the pandemic, which has destroyed our economy and the world economy. In spite of that, you have declared a good dividend. Our PBT and PAT has gone up. We have done well in all parameters. Our bank is doing well. Our NPAs have gone down, who robbed India of crores of INR. We have recovered them, Choksi, Nirav Modi and Vijay Mallya. We have received INR 9,000 crores, which is credited to various banks, PSUs. How much of that amount our SBI has received, I would like to know, sir. Furthermore, we have done a good market cap, which is very good. The insurance as we have given housing has gone fuck, but there is a deposit insurance of INR 5 lakh. Investors, depositors will get, who are fixed depositors up to INR 5 lakh, but shareholders, 0. Similarly, most of the investors who are shareholders, there is no insurance for them. Deposit insurance, DICGC cover is for depositors. Investors now are in the equity. Equity shareholders. Youngsters, people are making their career in investment in shares. If shares goes fuck, like Dewan Housing and PNB Bank and all others, we don't get anything. My request to you, sir, is, why don't we have an insurance for shareholders? Like a deposit insurance for depositors. Shareholders who lose money, the most risky job is the shares. Very risky. High profit, high returns or no returns. My request to you to put to the government a proposal for some insurance, INR 1 lakh or INR 2 lakhs insurance. You can recover from the shares when your IPO is there. You can put some premium. Okay, sir? This is my humble request. Many more questions have been asked by my predecessor shareholders. I would not like to repeat it, but I wish our company, you personally, all the board of directors and all the employees, all the very best in the days and years to come. One small is there about the COVID. How far it has affected our bank's profitability and our employees. How many of our employees suffered because of COVID? Was there any casualty, recoveries, and what compensation was paid to our employees who were suffered by COVID? With this, sir, I end my speech wishing you again, all the employees, all the very best in the days and years to come. With this, sir, thank you very much for patient hearing. Thank you very much. Thank you. The next question is from Mr. Vivek Velankar. Sir, you have now been unmuted. Please start your video and ask your question. Sir, you have been unmuted. Am I audible? Yeah, you're audible now. Okay. This is regarding the write-offs. See, I have asked question in writing to SBI two weeks ago that please provide me names of written-off accounts in last 10 years of big defaulters, INR 100 crores and above. [Foreign language] This information was provided to me last year in AGM. This year this information was rejected. Customer's confidentiality [Foreign language]. Last year [Foreign language]. Indian banks is bank under RTI. It shall give me this information. SBI gave me this information last year in AGM. How come the definition of confidentiality changes every year? In fact, I further asked [Foreign language] which was consolidated. That [Foreign language] 2012 से लेकर 1920 तक every year big defaulters का कितना write off किया और कितना वसूली हुआ। [Foreign language] नाम नहीं दिए थे। [Foreign language] उसमें वह statement में खाली consolidation दिया था yearly, और दूसरे statement में पूरे नाम दिए थे। [Foreign language] ना पहला statement दिया, ना दूसरा statement दिया। Horrible thing is I have studied your annual reports. SBI last four years alone have written off to the tune of INR 2,13,648 crores under write off. Out of that, recovery is only INR 37,180 crores. That means only 17% is recovery. Now, write off is done at the cost of profit. If you do not recover much and do not add to the other income, profit will never go up. We are here for dividends and not to do any social service. Secondly, [Foreign language] आप Reserve Bank को नाम भेजते हो, जो defaulters होते हैं उनके नाम आप Reserve Bank को भेजते हो। [Foreign language] आप credit companies को भेजते हो। Why don't you publish it on your website? Why don't you give to your shareholders? This is a big area where actually money is siphoned off. [Foreign language] जैसे last year जो information आप ले गए थे, वह दिखा रहा था कि 10 साल में आप लोगों ने बड़े लोगों के, INR 100 crore above वालों के INR 1,30,000 crore were written off. Out of that, bank would recover only INR 8,969 crore. Only 7%. Big people. [Foreign language] छोटे-छोटे लोगों की बात नहीं कर रहा हूँ। [Foreign language] यह बड़े लोगों का अगर recovery नहीं कर पाते हो, उनके नाम क्यों छुपा रहे हो? अरे छोटे-छोटे लोगों के नाम बताते हैं आप। INR 25 lakh-INR 30 lakh का अगर किसी का housing loan stuck हुआ है तो उसका नाम पूरा paper में छपाते हो, उसकी property भी attach करते हो। उस time कहाँ जाती है confidentiality? और यह बड़े लोगों को क्यों आप confidential रखना चाहते हो? और दूसरी bank कैसी देती है? Bank to bank confidentiality definition change होती है क्या? और year to year change होती है क्या? [Foreign language] This is a fraud, Mr. Chairman. This is eating away our dividend money, our profit is reduced. My again request to you is before I approach CVC and other including Supreme Court, please provide a list of all big defaulters as requested by me as you have provided last year. [Foreign language] आप अभी नहीं बोल सकते कि हम नहीं देते थे। आपने दिया था। यह list मेरे को चाहिए, [Foreign language] secondly, that consolidated statement also. Every year big defaulters ₹100 करोड़ above कितना write off किया और कितना वसूली हुआ। यह statement दोनों मेरे को चाहिए। Otherwise, I have to go through legal course. मेरे को वह करने के लिए बाध्य मत करो। मैं भी मालिक हूँ आप जैसा ही। तो मालिक को आप ऐसे treat मत करो। Last year जो दिया था वह यह year देना आपकी जिम्मेदारी है and it is must of you. So please do it and answer this question during your speech afterwards. Please do it. Thank you. Thank you very much. Thank you. Thank you, sir. The next question is from Mr. Hiranand Kotwani. Sir, you have now been unmuted. Please start with you. Yes. Am I audible? Yes, sir. Hello. Okay. Namaste all. Today's a good meeting. I can acknowledge our work. I salute all the employees of State Bank of India for their work in this quarter week. Certainly, you discussed this praising culture in our AGM. Starting from the people, 7%-8% just praise you and your yes bond and share department. That is not good. We invite criticism just like Velankar and other people. Sir, just coming to the point, our bank is doing well, done well. I hope they will do well. What is the situation where we improve? Excellency will come in the branch level. There is a problem at branch level. If your branches are good, tell me this one thing, branch level, how you are thinking to their work culture, environment, facilities. Your branch should be good, amenities. When customer go, he think that I am in my good branch. [Foreign language] [Foreign language] [Foreign language] [Foreign language] [Foreign language] [Foreign language] NPA. What critical topic of this our State Bank of India, particularly all the public sector bank. How you are dealing with them? How you are improving? Where the problem comes? Government to government [Foreign language] as your bank is public sector undertaking. Government of India undertaking. Government के पास आपका कितना due है। उसमें Air India भी आ गया, PSU भी आ गया। पैसा recover करते, कितना NPA है, कितना बाकी है, case कितने चालू है। DRT में है, court में है, जरा बताइए। और बाकी का आपने improvement किया है और आज तक कितना NPA है net? Reduce किया है, thanks. Total NPA कितना है और आपका involvement NCLT, DRT, ARC में कितना amount है जरा बताएंगे। Thank you and good luck ahead. God give you good wishes to all the people of the State Bank. Thank you very much. Thank you. Thank you very much. The next question is from Mr. Praful Chavda. Sir, you have now been unmuted. Please start your video and ask your question. Hello, सर मेरी आवाज़ आ रही है sir? Yes, we can hear you. सर, मेरी आवाज़ आ रही है? जी, आपकी आवाज़ आ रही है। Sir, पहले तो मैं यह कहना चाहूंगा 3:33 minute को speaker to speaker चालू हुआ और one hour के बाद मेरी बारी आ गई। यानी कि 22। यानी कि गाड़ी बहुत slow चल रही थी पर average तीन minute का speaker आ गया। इसमें first speaker सात minute, आठ minute, Company Secretary 40 साल, Chairman 40 साल बोले। वो नहीं बोलना चाहिए sir। यहां shareholder का जमाना नहीं है। Shareholder बोलकर timepass क्यों करते हो? मैं कुछ ऐसा कहना चाहता हूं sir, ऐसे customer की तकलीफ है वो बताना चाहता हूं। Shareholder की जो तकलीफ है बताना चाहता हूं। इसलिए अभी तक जो shareholder speaker सात आठ minute लिए तो मेरे को चार minute तो कम से कम दीजिए sir। Sir, आपका ATM machine है, 89% नहीं चलता, ऐसी position है। जो भी ATM में जाते हैं पैसे नहीं निकलते हैं। Passbook entry करने को जाती है तो नहीं निकलता है। Bank में जाते हैं तो बोलते हैं server down है। कुछ काम नहीं होता। Senior citizen के लिए कोई special windows नहीं है। Sir, इतना big branch हो गया पर 50% branch में parking की जगह नहीं है sir। Parking के लिए पुलिस वाला आता है, cell phone से photo खींच के जाता है। शाम को घर वालों को मालूम पड़ जाता था bank से ₹133, ₹50 का, ₹150 का चालान cell phone से आ जाता है। यानी कि parking नहीं है तो road पर parking करना पड़ता है। जो भी ATM machine है इसके पास एक car parking की जगह भी नहीं है। Two wheeler भी नहीं घुस सकता। इतनी छोटी जगह पर ATM लगा दिया। आपको branch गिनाना है, ATM गिनाना है तो कोई भी जगह पर ATM खोल दिया। वो भी है sir। खास तौर पर मैं यह कहना चाहता हूं कि senior citizen के लिए कुछ भी windows होना चाहिए। Sir, every year हर customer को 31st April से लेकर 31st March तक का जो भी statement है वो by mail भेजा देना चाहिए। अभी नहीं मिलता है sir। छह महीने का statement भी नहीं मिलता है। Bank में server नहीं है। हमारे पास कोई सुविधा नहीं है कि आपको one year का statement दे सके। ऐसा नहीं होना चाहिए sir। अभी-अभी जो Mascarenhas साहब बोले, Vivek साहब बोले, Kotwani साहब बोले। सही बोले sir, अच्छा बोले और मैं Vivek साहब को तो full support करता हूं और जो paper उनको दिया जाए, मेरे को भी दिया जाए। वो मैं request करता हूं sir। Sir, आदमी जब आपके company का shareholder share transfer को भेजता है यानी कि demat को भेजता है अभी। Demat को भेजे तो signature not ready बोलकर आता है। Next level का कहता है दो साल तक बैठ जाता है। कह लो dividend आता है ना। Sir क्या problem आता है। एक-एक आदमी को आज lockdown के बाद पैसों की जरूरत है। पुराना share बाप-दादा के share, पिताजी के share निकालते हैं demat account से demat को भेज आए तो signature not ready बोलकर आ जाता है। वो आदमी suicide कर लेता है sir। मैं आपको एक नहीं तीन case बताऊं। SBI के share बेचे थे इसको ₹4 से ₹5 लाख मिलते थे। इसका दो साल का खर्चा निकल जाता था। इसको कहीं से पैसे आने की उम्मीद नहीं थी। Share demat को भेजे, नहीं हुआ। One year हो गया। कुछ पैसे का जानकारी नहीं था। क्यों? आपका share department harassment करता है लोगों को। Sir मैं खुद मेरी बात बोलता हूं। मैंने passport दिया, Aadhaar card दिया, voter ID card दिया, driving license दिया, bank account का statement दिया, light का bill दिया, जल का bill दिया। इतना proof दिया मैंने। तो भी मेरा share transfer नहीं हुआ। मेरा signature verify नहीं हुआ। मैं 40 साल पुराना आपका कंपनी shareholder हूं। '45 से मेरा bank account है sir। मेरा एक account में ₹2 करोड़ saving account में रहता है sir। तो भी sir आपका department share transfer नहीं करता है या demat नहीं करता है। जब हम demat account में पूरा proof देते हैं। यानी कि demat account 100% सही है। पर आपका department बोलता नहीं, हमारे पास signature verify होना। Sir मैं एक suggestion देता हूं। जिसका signature verify नहीं हुआ इसको आप follow करें। आपका department follow करें। जो भी shareholder है इसको follow करके बताइए क्या procedure होना चाहिए। इसमें आप बोलते हैं bond paper लाओ। Bond paper कहां से लाएंगे सब। हर जगह पर lockdown में बंद ही बंद है। Bank के transfer कराने को जाते हैं, 12:00 बजे bank बंद हो जाता है। तो bank transfer की वह problem नहीं रहना चाहिए। जब एक आदमी Aadhaar card, passport, voter ID, driving license, accounts का proof देता है, फिर light का bill देता है, जल का bill देता है, ₹2.5 करोड़ की property का भी proof देता है, तो नहीं, आपका 10 share transfer नहीं होगा। Sir, ऐसा harassment है, shareholder का harassment। Share department में जो भी transfer agent है, harassment करता है Sir। ऐसा नहीं होना चाहिए। Sir, passbook. कोई जगह पर passbook नहीं मिल रही है। Last three month से Hyderabad में passbook नहीं है। Three month से आप आइए Hyderabad में। टॅक्सी लगा के, संगला बना के, सरदार जी बना के चार bank में जाकर पूछिए, "Passbook है आपके पास?" "नहीं, passbook नहीं मिलेगा। One week." ऐसा हालत है। आपके bank को क्या बोलते हैं? SBI नहीं बोलते। Hyderabad में whole city में आपके bank को pension bank बोलते हैं। Pension bank. Pension मिलने के bank बोलते हैं। ऐसी आपकी हालत है whole city में। आपके whole city में 20 साल पहले जितने employees थे, उतने employees आज हैं। Customer 10, 20 गुने बढ़ गए, employees नहीं बढ़े Sir। Same employees से इतना काम कैसे लेते हैं आप? आप जितने customer हैं, उतने employees रखिए। आपका customer बढ़े तो employees बढ़ाएं, service बढ़ाएं। एक के बजाय दो branch कीजिए। Branch को विस्तार कीजिए। Senior citizen के लिए कुछ भी करें। तो हम लोगों को गाने बैठूंगा Sir। मैं खुद प्रफुल्ल चावड़ा बोल रहा हूँ। आपको कुछ भी proof दे कि मैं प्रफुल्ल चावड़ा हूँ कि नहीं हूँ। मेरे को बोलने नहीं दे रहे आप। मैं कौन भी हो सकता हूँ, बोलने नहीं दे रहे। जब मेरा share transfer करने को जाता है तो बोलता नहीं, "आप प्रफुल्ल चावड़ा नहीं है, आपका share transfer नहीं होगा।" अरे मेरा कितनी signature ले लो। One time, second time. मैं challenge करता हूँ Sir, जितने director बैठे हैं, 40 साल पहले का जो signature है और आज का signature tally हुआ, तो मैं ₹1 करोड़ इनाम दूंगा इसको। ₹1 करोड़। मैं challenge करता हूँ। 40 साल पहले का signature और आज का signature आपके bank के director का मिलना चाहिए। नहीं मिलेगा Sir। इसको याद भी नहीं होगा कि जो college में पढ़ते थे, कौन सा signature करते थे। बाद में कौन सा signature करें। कितना signature फर्क हुआ। चलता है Sir, आपका job है। पर मेरा ऐसा नहीं है Sir। इतना मेरा harassment होता है। मैं खुद Bombay आया, share transfer को मेरा proof दिया, मेरा photograph बताया, मैं खुद हाजिर हो कर बताया। "नहीं, आपका signature tally नहीं हुआ। अब यह करके लाओ, वो करके लाओ, यह करके लाओ। Sir, thank you. Sir, मैं आपको request करता हूँ Sir, आप बैठने मत बोलिए। आपको यही बोलता हूँ कि जो speaker है, इसको बोलिए कि आपकी बारी कब आएगी। कभी उसको washroom जाना है तो जा सके। अब wait करता है। जब इसकी बारी का पता ही मालूम नहीं पड़ता। मेरा 22 का number था। तो Sir, यह भी नहीं होना चाहिए। आप speaker का number बोलिए, कितना minute बात करिए, वो भी आप बताइए। आप house में बैठे हैं, तो बताइए कि एक speaker ने कितना time दिया। Ms. Asha Lata Maheshwari, छह SID बोले। छह SID बोलकर तीन minute निकाल दिया। क्या भाई Sir, क्या बोला उन्होंने? नहीं, उनकी सुनते हो आप। क्यों वह डराती हैं आप लोगों को? हम Hyderabad में बैठ के आपको क्या डरा सकते हैं? एक ही साहब एक जो सही बात करें। जैसे विवेक साहब, speaker number 16, 17 या 18 है। विवेक साहब, कैसी shareholder बात करना चाहिए। आप जो काम करें, वो आप salary लेकर करें, आप seat पर बैठकर करें। इसमें कोई बात नहीं है। कोई अच्छा काम करता है, कोई बुरा काम करता है। Loan लेने वाला loan नहीं दिया तो कौन से employee का relative है वो देखो। कौन से employee का friend है वो देखो। तो पता चलेगा कि loan देने वाला officer इसके relative को, friend circle को तो loan नहीं देता है ना। जो employee job पर चढ़ा, नौकर पर loan sanction करने गया, वो employee 10 साल पहले क्या position थी और कितने जमीनें, मकान हैं, इसकी बीवी पर कितना सोना है, कितना property जमा कर लिया है, वो checkup करो आप। तो मालूम पड़ेगा कि loan देने वाला officer भी कुछ ना कुछ है। दाल में कुछ तो काला है। हम किसी को ₹50 उधार दिए तो चार बार मांगने को जाते हैं। पर आप करोड़ों रुपया देकर भी खामोश रहते हो Sir। वो छोटा आदमी पैसे नहीं दिया, रेल बंडी वाला, तो उसका माल उठा कर लेकर जाता हूँ। धन्यवाद Sir। बोलना है तो बहुत बोलना है। पर दूसरे speaker इसके लिए मैं खामोश रहता हूँ। मेरा phone number है। आप मेरे को personal phone करें। मैं बहुत ऐसी बात बोलूंगा कि आपको शर्म आ जाएगी कि यह bank में क्या हो रहा है। धन्यवाद Sir. Thank you. Thank you very much. Thank you, Sir. Due to time constraints, that was the final question. We request shareholders still in the question queue to please email their questions to investor.complaints@sbi.co.in for us to respond to the same. We will now request Chairman Sir to answer the questions raised by the shareholders. Yes, sure. Thank you very much first of all for the pains taken by the shareholders in asking these kind of questions. I would now take up one by one the answers for the questions which have been raised. The first one, of course, I think many of the shareholders have showed their concerns relating to the employees who have got affected by COVID and what steps are being taken for such affected employees and also in the event of unfortunate event of the death, what is being done for their deceased families. Actually, we have taken number of proactive mitigating measures. Initiatives for the staff benefit, such as reimbursement of expenses incurred on COVID test, treatment and also the treatment. Special support to all the employees who were found COVID positive. We have sanctioned special leave to employees during the quarantine period to contain and reduce the spread of the virus among the staff members. In the initial phase, your bank also provided monetary compensation to employees who were in the forefront of the operations. These measures ensured that the employees remained motivated and equipped to handle the crisis very well. Unfortunately, some of our members who lost their lives while ensuring uninterrupted service to their customers. The support of the family members of such deceased employees includes cash compensation and also the compassionate employment also are some of the steps which have been taken. Apart from that, the education for the dependents of such employees have also been taken care of. The other question was relating to the NPAs in the power, telecom and port and road sector and what steps are being taken. For reduction in NPA in power, telecom and road sector, we have undertaken many steps including restructuring, change in management, compromise settlement, initiating NCLT processes and also ARC sale. We evaluate all options and whatever is found to be the best, that is being implemented. Another question was relating to management's view on the loss-making and non-performing branches. We have actually made an appropriate action plan for each of the loss-making branch, and we have got a definite timeline to turn them around in the near future. It also includes strategies like focusing on high-yielding advances, improving fee-based income, also having a sharper focus on the government business, customer value enhancement products. Apart from that, the reduction in overhead is something which is very consciously attempted. We are strictly monitoring the implementation of these action plans, and in extreme cases, we also resort to turning around. If at all the branch cannot be turned into profit, we think in terms of providing CSP and the correspondent channel, which can actually serve the customers. We can reduce our loss-making branches. As of now, in the bank, we have got 416 loss-making branches. The next question was relating to the gender distribution and also gender-wise, zone-wise, age-wise distribution of the staff. As of 31st March, we have 245,652 employees in all. More than 56 years, we have got about 39,000 employees. Incidentally, 25 years and below, we have about 9,000. 26 to 30 years, we have got 34,000. 31 to 35 years, 49,000. 36 to 40, 38,000. 41 to 45 years, 21,000. 46 to 50, 23,000. 51 to 55, 31,000. That's the breakup. One question was relating to write-off, which has been done in the current year. We have done write-off of INR 34,000 crore in the current year. Rural branches we have opened in the financial year 2021, they are 52 in number, and urban branches, we have 108. Regarding the question relating to about INR 9,000 crore increase in the provision for the pensioners. One question was whether the bank has planned to distribute the entire amount. Pension is actually governed by the pension fund rules. The increase in pension fund corpus is to take care of the future payment obligations, which is assessed by the actuary, and based on the actuary's assessment, whatever additional provision was required to be made. This actually amount to the same. There was a question relating to the yield on 10-year G-Sec for the fourth quarter ending 31st of March. 10-year G-Sec stands at 6.18%. Another question was relating to the packages planned to increase other income from the treasury operations. We have already started investing the funds into the short-term state development loans, where the relative yield is better than the G-Sec, and we are also focusing on churning in our AF book to get the advantage of the repricing. The specific question which was there from Mr. Velankar, of course, we'll certainly have it looked into. The kind of details which have been asked, how can we make it available and what all we can make it available. Be rest assured, Mr. Velankar, your concern is our concerns also, and we will ensure that there is no such intention on the part of anybody. Whatever is doable in terms of the boundary conditions laid out by the law, we'll certainly ensure that we provide all that information. Mr. Kotwani also indicated that he asked questions relating to government NPAs, et cetera, and he also indicated that we need to improve the branch amenities. Also there are certain problems at the branch level. That continues to be the part of the sharper focus, but considering the fact that the network being so large. All the people in the hierarchy have been sensitized appropriately to ensure that the branches should be fully equipped to take care of their customers' amenities. Nevertheless, if at all there are any shortfall, we'll certainly take care of that. About Mr. Praful Chavda's issue relating to his shares not getting transferred, we'll certainly have it looked into and see that how best we can help you out. It is our endeavor also to have as many shares converted into demat form as possible. We'll be more than happy to help you out in that direction. We will certainly see that what all can be done, it should be done. Let me also see if at all some of the other questions which have remained unanswered. The other question was relating to bonus. We will have to see that how things will pan out in the subsequent years. Based on that, we'll be taking appropriate steps. Nevertheless, let me share with you, we are very much thankful to the shareholders because they have supported us during last three, four years when we could not declare the dividend, and that is one of the reasons when we could find that there is elbow room available, we ensured that we must give them dividend to the best possible situation. Mr. Rajiv Jha also indicated about the customer service and his special focus was relating to the wealth management, how can the wealth management customers be offered the services which they deserve. We will certainly have it looked into. I really thank Mr. Jha for his suggestions. Mr. Siddharth Guha had a question relating to the outlook on NBFCs, and the rest of his questions have already been answered, but outlook on NBFCs, of course. NBFCs are very deeply associated with the ground-level functioning of the economy. As you're all aware that last one year, from 2021, we have seen the COVID-19 situation, and of course, it disrupts the cash flow. I think all kind of pragmatic steps, and I would say that all support has been extended in the year 2021 by the government in terms of providing them TLTRO kind of facility. I think though there seems to be having some challenges in collections, nevertheless, I think the management of NBFCs are very much seized with the situation, and they are trying to find whatever best way to resolve this kind of a situation. The other question, one gentleman had asked a question relating to the liquidity. Our liquidity position is very comfortable. I would like to mention that in the last year also, during the pandemic period, our deposits have grown almost by about 14%, whereas our advances growth was just about around 6%. That is something which is available that gets deployed into the short-term papers and also the treasury instruments. All those instruments are available for deployment for the credit. When it comes to the liquidity coverage ratio, we have a comfortable liquidity coverage ratio. Another question was raised relating to the capital raising plans. We have, as of now, our capital adequacy stands at about 13.74%, which actually is a fairly comfortable capital position. We also feel that it will take care of the expected growth capital requirement of the bank, because we are generally expecting about 9% kind of a credit growth. We are well equipped to take care of this kind of a credit growth. The issue relating, we have recently obtained an approval from our board for raising AT-1. That AT-1 is essentially meant for replacing our existing AT-1 book. Some of the shareholders have indicated their desire to be invited to the analyst meet. It is an exclusive club. Nevertheless, we will explore if at all possible. We will try and see what all can be done. Another shareholder had asked about the senior citizens, what is being done. For the senior citizens, we have got WECARE deposit, which actually offers much better interest rate. That is one. Secondly, we have started offering service at the doorstep. That is the other initiative which has been taken to take care of the senior citizens in these difficult times. CSR activity, of course, I have shared in my opening remarks also, but it will continue to be the focus going forward. We are very much connected to the ground, and we ascertain the situation and accordingly provide the CSR facility. One of the shareholder has indicated that the mobile ATM services were not offered. We will try and see that. Generally, we have mobile ATM services at various location. We'll look into why we could not offer the mobile ATM in the current year. One question was relating to startup funding. Startup funding normally is through the equity route, and generally, the private equity is a vehicle, and we do support the private equities from the treasury book of the bank, which actually encourages them to support the startup on the ground. We keep on constantly engaging the startups to provide the requisite support also. 1 question was relating to the recoveries made from some of the chronic accounts. We are happy to share that the recovery efforts are intensified, and we are quite hopeful that we should be in a position to make decent recoveries. 1 question was relating to the cost control also. Cost control is very much part of the sharper focus. I would like to mention that in the current year, we have seen some kind of a spike in the cost, and that is essentially attributed to the fact that this year we had the wage settlement, which actually takes place after five years, and that is one of the reasons why we have seen the spike. Nevertheless, when it comes to our overheads, they are much within control. That's how it is. When it comes to the retirement benefits, that also undergoes a change. If at all the yield is something which comes down. That is something which leads to much higher provisioning, and that is one of the reasons why the cost seems to be little on the higher side. One question was raised relating to our presence on the social media. The social media presence, I'm happy to share with the shareholders the position relating to the social media. As far as Facebook is concerned, we have about 1.8 crore followers, and we are the most followed bank globally. When it comes to Twitter, we have got about 42 lakh followers, and we are the most followed bank globally. We are actually followed widely when it comes to video views also. We have got about 448 where we keep on uploading various YouTube features, and that is also viewed very extensively. Quora also, we have about 199 million content viewers who are there. That way, I think in Facebook we have got a decent presence, and we will ensure that wherever required, we'll certainly try and see that we keep on improving it. Some of the measures which are taken relating to the special support scheme which were introduced was essentially relating to the payment of cash compensation for the employees who unfortunately lost their life during COVID period. This was a cash compensation of INR 20 lakhs, which we paid. Also, we have actually revamped the compassionate appointment scheme, which I shared with you, that it actually covers the death due to COVID-19. Revised scheme for payment of ex-gratia amount in your compassionate appointment has also been introduced. These are some of the initiatives which have been taken in the previous year when it comes to the relief which we have extended to unfortunate employees who died because of COVID. Apart from that, we have got the vaccination for all our employees done, and out of about 220,000 total employees, almost about 150,000 employees and their family members and their ecosystem have also been covered in the vaccination drive at the bank. Of course, these are very challenging times. I think all measures can fall short, but nevertheless, we are making all our efforts to see that whatever can be done, we must do it for our employees, for all the people in the society also through our CSRs initiative. Thank you very much for giving me a chance to answer all your questions. Scrutinizer's report is there? Okay. Our scrutinizers have submitted the report on e-voting, and if majority votes are in favor of the resolution, it will be declared to the stock exchange that the balance sheet and the profit and loss account, the report of the central board, and the auditor's report have been adopted by the shareholders at the annual general meeting. The copy of the scrutinizers report will also be made available on the bank's and the NSDL's official website for the shareholders' information. As indicated, we have tried to answer all the questions of the shareholders, but if at all some of the questions have remained unanswered, the shareholders are requested to kindly send their questions on the email ID, which was just shared by Mr. Misal Singh. Now I thank all the shareholders for attending the annual general meeting through VC and actively participating with enthusiasm in the proceedings of the meeting. Thank you, sir. The vote of thanks will now be proposed by Mr. Mukul Mitra. Sir, you have been unmuted. You can please go ahead now. Mr. Mukul Mitra, can you hear us? Yes, I can hear you. Sir, you can please go ahead. Yes. Good evening, respected chairman, directors, and shareholders. I am Dr. Mukul Mitra. I thank all the shareholders for coming and taking part in the proceedings of the 66th annual general meeting of the bank. I congratulate the chairman on wonderful performance of the bank. I also congratulate the share and bonds department on convening a successful AGM. Once again, thanks to all. Thank you. Thank you very much. As we have come to the close of the agenda, I