{à`Xe©Zr ZmJar ghH$mar ~±H$ - priyabank.com · {à`Xe©Zr ZmJar ghH$mar ~±H$ _. OmbZm dm{f©H$...

$: {à`Xe©Zr ZmJar ghH$mar ~±H$ - priyabank.com · {à`Xe©Zr ZmJar ghH$mar ~±H$ _. OmbZm dm{f©H$ Ahdmb - 2017-2018 6 ~±Ho$Zo Ahdmb dfm©V {d{dY H$O© `moOZo A§VJ©V H$O©_§Oya$
{à`Xe©Zr ZmJar ghH$mar ~±H$ _. OmbZm dm{f©H$ Ahdmb - 2017-2018

1

{à`Xe©Zr ZmJar ghH$mar ~±H$ _.OmbZm"~«÷M¡VÝ`', XoD$iJm§d amOm amoS>, OmbZm-431 203

\$moZ : (02482) 233346, 240485 \°$Šg : 02482 (241107)Zm|XUr H«$. OoEEb/OoEEb/~rEZHo$ (Amo) 117/94/{X. 14/10/94

gr.E. S>m°. {ZVrZ Am|H$maXmg VmoVbmMoAa_Z,

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Zm|XUrH¥$V H$m`m©b`"~«÷M¡VÝ`', XoD$iJm§d amOm amoS>, OmbZm-431203 \$moZ : (02482) 233346, 235737, 240485

Vma : {à`m ~±H$, OmbZm. \°$Šg 02482-241107


2

g§MmbH$ _§S>igZ 2017-2018

A.H«$. g§MmbH$m§Mr Zmdo nXZm_

1. gr.E. S>m°. {ZVrZ Am|H$maXmg VmoVbm MoAa_Z

2. lr. ~iram_ Vwieram_ {OJo ìhm. MoAa_Z

3. lr. gwaoeHw$_ma H$Ýh¡ mbmb OoW{b`m g§MmbH$

4. lr. XmXmamd e§H$aamd AmQ>H$i g§MmbH$

5. lr. gwaoe JmoqdXamd n§S>m g§MmbH$

6. lr. gO}amd embrH$am_ AmX©S> g§MmbH$

7. lr. _m{UH$amd CÎm_amd Q>ohio g§MmbH$

8. S>m°. ~mbmOr a§JZmW bmhmoaH$a g§MmbH$

9. lr. S>m°. XmXmamd am_Or MìhmU g§MmbH$

10. lr. Zmam`U JwbM§X ZmèhoS>m g§MmbH$

11. lr. {ZVrZ ~miH¥$îU nJmao g§MmbH$

12. lr. ñdm_r `_mOr H$ZHo$ g§MmbH$

13. lr. {ZVrZ H$m{eZmWamd nmQ>rb g§MmbH$

14. gm¡. {ZVm dm_Zamd H$X_ g§Mm{bH$m

15. gm¡. gwaoIm amO|Ð ^mS>iH$a g§Mm{bH$m

16. lr. A°S>. AO` JOmZZ Vëhma Vk g§MmbH$

17. lr. à{Xn gmho~amd JO} nmQ>rb _w.H$m.A{YH$mar

18. lr. g{MZ _mohZamd dmUr à._w.H$m.A{YH$mar


3

{à`Xe©Zr ZmJar ghH$mar ~±H$ _.OmbZm"~«÷M¡VÝ`,' XoD$iJm§d amOm amoS>, OmbZm \$moZ : (02482) 233346, 240485 \°$Šg : 02482 (241107)

Zm|XUr H«$. OoEEb/OoEEb/~rEZH$o$/(Amo) 117/94/{X. 14/10/94

dm{f©H$ gd©gmYmaU gôMr ZmoQ>rg

(\$ŠV g^mgXm§gmR>r)_m. g^mgX,

~±Ho$À`m gd© gÝ_mZZr` g^mgXm§Zm H$i{dÊ`mV oVo H$s, Amnë`m ~±Ho$Mr gZ 2017-2018 m dfm©Mr 24 dr

dm{f©H$ gd©gmYmaU g^m {X. 06/09/2018 amoO Jwê$dma gH$mir {R>H$ 10.15 dm. J«§WamO kmZoídargËg§J _§S>i hm°b, gh{OdZ ZJa, lr {dÇ>b _§Xram Odi, A§~S> amoS>, OwZm OmbZm. oWo ~±Ho$Mo

MoAa_Z m§À`m AÜ`jVoImbr KoÊ`mV oUma Amho. Var H¥$n`m AmnU doioda CnpñWV ahmdo {h {dZ§Vr.

g onwT>rb {df` :1) _mJrb g^m {X. 16/09/2017 amoOr Pmboë`m dm{f©H$ gd© gmYmaU g oMm d¥Îmm§V dmMyZ H$m`_ H$aUo.2) _m. g§MmbH$ _§S>imZo {XZm§H$ 31/03/2018 AIoa g§nUmè`m dfm©Mm Ahdmb,Vmio~§X d Z\$m- VmoQ>m nÌH$mg

_§Oyar XoUo.3) {XZm§H$ 01/04/2017 Vo 31/03/2018 n ªV Pmboë`m d¡Ym{ZH$ boIm n[ajU AhdmbmMr Zm|X KoUo.4) gZ 2018-19 m dfm©gmR>r n°Zbdarb mXr Zwgma d¡YmZrH$ boImn[ajH$mMr Zo_UwH$ H$aUo. d Ë`mMm _ohZVmZm

R>a{dÊ`mMm A{YH$ma g§MmbH$ _§S>img XoUo.5) gZ 2017-2018 À`m A§XmOnÌH$mnojm H$_r-OmñV Pmboë`m IMm©g _mÝ`Vm XoUo.6) gZ 2018-2019 m dfm©H$aVm g§MmbH$ _§S>imZo V`ma Ho$boë`m A§XmOnÌH$ d {dH$mg moOZog (Annual

Business Plan) _§Owar XoUo.7) g§MmbH$ _§S>imZo {e\$mag Ho$ë`mà_mUo Z\$m dmQ>Urg _§Oyar XoUo.8) gZ 2018-19 gmbmgmR>r H$m°ÝH$a§Q> boIm narjH$mMr {Z wŠVrg _mÝ`Vm XoUo.9) gZ 2018-19 gmbmgmR>r A§VJ©V boImn[ajH$mÀ`m {Z wŠVrg _mÝ`Vm XoUo.10) Vk g§MmbH$ {Z wŠVrg _mÝ`Vm XoUo.11) H$_©Mmar ñQ>m\$s¨J n°Q>Z©bm _mÝ`Vm XoUo.12) _m. dm{f©H$ gd©gmYmaU g og hOa Zgboë`m g^mgXmÀ`m AZwnpñWVrg _mÝ`Vm XoUo.13) _m. AÜ`jm§Mo nadmZJrZo EoZ doir oUmè`m {df`m§da MMm© H$aUo.

_m. g§MmbH$ _§S>imÀ`m AmXoemdê$ZñWi : OmbZm ñdmjarV/-

{XZm§H$ : 18/08/2018 g{MZ dmUr

à. _w»` H$m ©H$mar A{YH$mar¥ Q>rn : JUnyVu A^mdr g^m VhHw$~ Pmë`mg,gXa dm{f©H$ gd© gmYmaU gôMo H$m_H$mO {Z`wŠV {R>H$mUrM CnamoŠV

doioZ§Va AÜ`m© VmgmZo gwé hmoB©b. gXa gôg JUnyVuMr Amdí`H$Vm amhUma Zmhr.


4

dm{f©H$ Ahdmb gZ 2017-2018

gÝ_mZZr` g^mgX ~§Yw ^{JZtZmo,dm{f©H$ gd© gmYmaU g oV Amnbo _Z:nyd©H$ ñdmJV Amho. gZ 2017-2018 `m dfm©Mm,

g§MmbH$ _§S>imMo H$m_H$mOmMm Ahdmb, Vmio~§X d Z\$m-VmoQ>m nÌH$ gmXa H$aVm§Zm _bm AË`§VAmZ§X hmoV Amho.

gÝ_mZZr` g^mgX, R>odrXma, J«mhH$, ì`mnmar d {hVqMVH$ `m§Mr Amnë`m ~±Ho$darb AgbobrAgr_ {Zð>m, {dídmg d Ë`m§À`m Am{edm©Xm_wio Amnbr ~±H$ àJVrnWmda Amho.

emgZmMo _wŠV Am{W©H$ YmoaU d [aPd© ~±Ho$À`m {e{WbrH$aUm_wio ~±H$mZm ñdV:À`m MmVw ©~wÜXrj_VoÀ`m ~imda H$aÊ`mMr g§Yr àmßV Pmbr Amho.

v g^mgX :JVdfu {XZm§H$ 31/03/2017 AIoa {Z`_rV g^mgX 7391 d Zm__mÌ g^mgX 371

Ago EHy$U g^mgX 7762 hmoVo. Ahdmb dfm©V {X. 31/03/2018 AIoa {Z`_rV g^mgX7403 d Zm__mÌ g^mgX 475 Ago EHy$U 7878 BVHo$ Pmbobo AmhoV.

^mJ^m§S>db :

{XZm§H$ 31/03/2017 AIoa ^mJ^m§S>db én o 188.57 bmI hmoVo Ë`mV 18.09 bjdmT> hmoD$Z {XZm§H$ 31/03/2018 AIoa én o 202.66 bmI BVHo$ Pmbobo AmhoV.

v IoiVo ^mJ^m§S>db :{XZm§H$ 31/03/2017 AIoa IoiVo ^mJ^m§S>db én o 7183.05 bmI hmoVo. Ahdmb

dfm©V ê$. 230.74 bmI ......... hmoD$Z {XZm§H$ 31/03/2018 AIoa é. 6952.32 bmI EdT>oPmbobo Amho.

v amIrd BVa {ZYr :gZ 31/03/2017 AIoa amIrd d BVa {ZYr én o 238.57 bmI hmoVm. Ë`mV ê$.73.07

bj dmT> hmoD$Z Ahdmb dfm©V amIrd {ZYr d BVa {ZYr én o 311.64 bmI BVH$o dmT>bo Amho.~±Ho$H$S>rb g§e{`V d ~wS>rV H$O© {ZYr {XZm§H$ 31/03/2018 AIoa 39.00 bmI EdT>m Amho.VgoM ñQ>°ÊS>S>© A°goQ>Mr VaVwX ê$. 10.45 bj EdT>r Amho.

v Z\$m :

~±Ho$g {XZm§H$ 31/03/2018 AIoa én o 55.17 bmI Z\$m Pmbobm Amho. EHy$U Zâ`mMrdmQ>UrMr {e\$mag H$aÊ`mV oV Amho. gXarb Zâ`mMo IoiVo ^m§S>dbmMo à_mU 0.79% Ago Amhod à{V H$_©Mmar Z\$m 0.89 bj BVH$m Amho.


5

v R>odr :AmOMo wJ ho ñnYm©Ë_H$ wJ Amho. {d{dY ghH$mar amoIo, {dH$mg nÌo, w.Q>r.Am`., amï>r`H¥$V d

R>odrgmR>r ZmJar ghH$mar ~±H$m d Ë`m§Mo dmT>Vo H$m ©joÌ {d{dY nVg§ñWm `m§À`m ñnYm©_Ü o AmnUmgR>odrgmR>r AWH$ à`ËZerb ahmdo bmJV Amho. JVdfu Amnë`m ~±Ho$À`m R>odr én o 6549.99 bmIhmoË`m. {XZm§H$ 31/03/2018 AIoa EHy$U R>odr én o 6304.19 BVŠ`m Amho. ~MV R>odr _Ü o dmT>Pmbobr {XgyZ oV Amho. R>odr dmT>{dÊ`mgmR>r ~±Ho$Zo {à`Xe©Zr Xm_ XwßnQ> `moOZm, H°$e gQ>u\$sHo$Q>`moOZm d [aH$atJ R>od `moOZm gwê$ Ho$bobr Amho. `m `moOZog à{VgmX {_iV AgwZ R>odr gmVË`mZodmT> hmoV Amho.

v H$O© ì`dhma :

~±Ho$Mm _wi CÔoe åhUOo g^mgXm§Mr Am{W©H$ CÞVr H$aUo, Ë`m Ñï>rZo ~±Ho$Zo {d{dY àH$maÀ`mH$O© moOZoZwgma H$O© g^mgXm§Zm _§Oya Ho$bobo Amho. {X. 31/03/17 AIoa oUo H$O© ê$. 2228.38bjEdT>o hmoVo Ë`mV dgwbr d dmT> hmoD$Z {X.31/03/18 AIoa oUo H$O© 2622.41 bj EdT>o AmhoV[aPìh© ~±Ho$À`m YmoaUmà_mUo AJ«H«$_ joÌmg EHy$U H$Om©À`m 60% Va Ë`mn¡H$s Xw~©b KQ>H$m§Zm EHy$UH$Om©er H$O© 15% Agmdo Ë`mZwgma {X. 31/03/18 AIoa AJ«H«$_ joÌmg EHy$U H$Om©er eoH$S>mn«_mU 72.15% d Xw~©bKQ>H$mMo H$O© EHy$U AJ«H«$_ joÌmg 14.01% Amho. Var Xw~©b KQ>H$mg H$O©nwadR>m àmYmÝ`mZo H$ê$Z C{Xï>o nwU© Pmbo Amho. OmñVrV OmñV H$O© dmQ>n H$aÊ`mgmR>r ~±Ho$Zo dV©_mZnÌmV VgoM nmåßboQ> Ûmao Om[hamV à{gÜX H$arV AgyZ Ë`m à_mUo ~±Ho$g à{VgmX {_iV Amho. VgoMg§MmbH$ d Ë`m§À`m ZmVodmB©H$m§g H$O© dmQ>n Ho$bobo ZgyZ {Za§H$ Amho. Var g^mgXm§Zr H$Om©Mr {Z`{_VnaV\o$S> H$ê$Z ghH$m © H$amdo Aer {dZ§Vr Amho.

Sectorwise details 31.3.18 AIoa A/c. No. Amt.

1- Agriculturel 1184 482.73

2- Small Enterprises 289 696.42

4- Retail Trade 221 789.97

5- Education 06 14.89

6- Housing & repairs 26 152.22

7- Non Priority 277 486.18

Total 1953 2622.41

Weakar Sector Adv 296 367.42


6

~±Ho$Zo Ahdmb dfm©V {d{dY H$O© `moOZo A§VJ©V H$O©_§Oya hmodyZ {dVaU Ho$bobo Amho. JVdfu oUoH$O© ê$. 2228.38 bmI BVHo$ hmoVo Ë`mV dmT> ê$. 394.03 bmI hmodwZ {X. 31/3/2018 AIoa ê$.

2622.41 bmI EdT>o AmhoV. Ahdmb dfm©V Imbrb à_mUo H$O© _§Oya H$ê$Z {dVaU H$aÊ`mV Ambo.

A.H«$. H$Om©Mm àH$ma ImVog§»`m H$O©ì`dhma (ê$. bmImV)

1 R>odr VmaU H$O© 16 33.262 gmoZoVmaU H$O© 789 285.213 nJmaXma A§VJ©V H$O© 57 52.054 XwMmH$s dmhZ H$O© 39 12.145 {ZË`monmo moJr dñVw H$O© -- --6 MmaMmH$s dmhZ H$O© 01 13.507 H°$eH«o$S>rQ> H$O© 35 234.758 {H$aH$moi {dH«o$Vo H$O© 48 166.409 _mb_Îmm VmaU H$O© 07 61.8010 {d_mnm°brgr VmaU H$O© 02 1.4611 g§JUH$/_erZar H$O© 01 5.0012 ng©Zb bmoZ AJoÝQ> goŠ waoQ>r 09 35.2513 H$_©Mmar A§VJ©V H$O© 03 1.6514 Ka~m§YUr H$O© 09 48.9015 gmoZo VmaU H$O© _`m©Xm -- --16 ng©Zb bmoZ 03 3.5017 eoVr d eoVr nwaH$ ì`dgm` 04 16.50

1023 971.37

v g§MmbH$ _§S>imMr g^m :~±Ho$À`m gZ 2017-2018 dfm©V g§MmbH$ _§S>imÀ`m EHy$U g^m 12 Pmboë`m AmhoV. d H$O© Cng{_VrÀ`m

EHy$U g^m 13 Pmboë`m AmhoV. dgwbr Cng{_Vr g^m-12, Jw§VdUwH$ Cng{_Vr g^m-12, H$_©Mmar Cng{_Vrg^m-1, H$m ©H$mar g{_Vr g^m-12, dm{f©H$ gd©gmYmaU g^m-1, VgoM Am°S>rQ> H$_rQ>rÀ`m 11 g^m Pmbobr Amho.v ^m§S>db ì`dñWmnZ : gr Ama E Ama

[aPìh© ~±Ho$Zo {Z wŠV Ho$boë`m CÀM{YH$ma g{_VrZo ^m§S>db n`m©ßVVm ~m~V {ZîH$fm©Zwgma ^m§S>dbmMo[añH$ AgoQ>er à_mU {H$_mZ 9% R>odUo Amdí`H$ hmoVo. ~±Ho$Zo àË`jmV JVdfu 15.49% EdT>o R>odbobo hmoVo dAhdmbdfu 15.16% BVHo$ R>odbobo Amho.v Vk g§MmbH$ :

~±Ho$Zo lr. A°S>. AO` Vëhma `m§Zm dH$sbr ì`dgm`mMm d ZmJar ~±Ho$À`m H$m_H$mOmMm XrK© AZw dAgë`mZo VgoM lr {ZVrZ Am|H$maXmg VmoVbm (gr.E.) `m§Zm g§MmbH$ _§S>imda AÜ`j VWm Vk g§MmbH$åhUyZ {ZdS> H$aÊ`mV Ambr Amho. Ë`m§À`m _mJ©Xe©ZmImbr Xa_hm AmT>mdm KodwZ ~±Ho$Mr WH$~mH$s dgybr d~±Ho$Mr Jw§VdUyH$ B. gdmªJrU àJVr gmYVm oUo eŠ` hmoD$Z ZoQ> EZnrAo 0.00% Pmbo Amho.


7

v R>od {d_m {Zanoj {ZJ_ :~±Ho$Mo R>odrXmamMo R>odr gwa{jVVogmR>r é. 1.00 bmI n ªVÀ`m R>odrda {d_m {à_r`_ åhUyZ Ahdmb dfu

é. 624478.36/- EdT>m aUm Ho$bobm Amho. VgoM ~±Ho$Zo {X. 31/3/2018 AIoaÀ`m R>odr d BVa XoUo aŠH$_é. 6549.98 bmImda 30/09/18 n ªVMm AmJmD$ {à{_`_ é. 348509.02/- EdT>m aUm H$aÊ`mV AmbobmAmho. Ë`m_wio ~±Ho$À`m R>odr gwa{jV AmhoV. Var g^mgXm§Zr ~±Ho$V ImVo d R>odr R>odyZ ghH$m © H$amdo.

v Am`.Eg.Amo. - 9001-2015~±Ho$Mo Am`.Eg.Amo. 9001-2015 à_mUnÌmMo nwZ©{ZarjU hmodwZ ~±Ho$g nwT>rb 3 dfm©gmR>r Am`EgAmo

XOm©Mo à_mUnÌ àmá Pmbobo Amho. Ë`m_wio ~±Ho$À`m H$m_H$mOmV gwYmaUm Pmë`m AmhoV. à_mUnÌmMr _wXV{X. 28/1/2021 n ªV Amho.

v H$_©Mmar dJ© :{XZm§H$ 31/03/2018 AIoa H$_©Mmè`m§Mr dJ©dmar Imbrb à_mUo hmoVr. X¡Z§{XZ H$m_H$mOmV nwU© H$aÊ`mV

H$_©Mmè`m§Mo MmJbo ghH$m © {_imbo. Ahdmb dfm©V ~±Ho$Zo dmT>Vr _hmJmB© bú`mV KoVm _hmJmB© {ZX}em§H$mZwgma H$m`_H$_©Mmè`m§Zm _hmJmB© ^Î`m_Ü o nmgyZ nJma dmT> H$aÊ`mV Ambr. VgoM _hmJmB© bú`mV KoVm h§Jm_r H$_©Mmè`m§Zm

nr.E\$. bmJw H$ê$Z nmgyZ nJmamV dmT> Ho$bobr AmhoV.

v g§JUH$sH$aU :~±Ho$Zo g§JUH$rH$aUm ~m~V ZdrZ H$moAa ~±qH$JMo gm°âQ>doAa _o. OiJmd OZVm BÝ\$moQ>oH$ àm. {b. do~

H$moAa `m§À`m H$Sy>Z KoÊ`mV Ambo AgyZ {X. 11/06/2018 nmgyZ Ë`m à_mUo ~±Ho$Mo am_ZJa emIm, amOwaemIm Hw$. qnniJm, {VW©nwar emIm d OmbZm emIoMo Am°Z bmB©Z ì`dhma gwê$ Ho$bobo AmhoV. d gd© ImVoXmam§ZmË`m§À`m ImVo {df`H$ EgE_Eg gw{dYm CnbãY H$ê$Z {Xbobr AmhoV. Var gd© ImVoXmam§Zr mMm bm^ KoÊ`mV mdmAer {dZ§Vr Amho. gd©emIoMo ì`dhma H$moAa ~±qH$J àUmbrZwgma gwê$ Pmbobo Amho. Ë`m_wio J«mhH$m§Zm H$moUË`mhremIoVwZ ì`dhma H$aUo gwb^ Pmbobo Amho. VgoM _m. [aPìh© ~±Ho$Zo Amnë`m ~±Ho$g _mo~mB©b ~±qH$J gw{dYm ~m~VnadmZJr {Xbr Amho. J«mhH$m§gmR>r bdH$aM wnrAm` gw{dYm AgyZ Ë`m_wio ImVoXmam§Zm _mo~mB©b ~±qH$J _m\©$V

ì`dhma H$aUo eŠ` Pmbo Amho.

v Jw§VdUyH$ :JUVdfu AIoa ~±Ho$Zo Jw§VdUyH$ ê$. 3842.86 bmI EdT>r hmoVr. df© AIoarg ~±Ho$Mr Jw§VdUyH$ ê$. 3241.36

bmI EdT>r Amho. _m. [aPìh© ~±Ho$À`m gwMZoZwgma _mJUr d Xo VmÀ`m 19.50% aŠH$_ gaH$mar H$O© amoIoVJw§VdUyH$ Agmdr `m Ñï>rZo gaH$mar H$O© amoIoV ê$. 2297.99 bj EdT>r gaH$mar H$O© amoIoV Jw§VdUyH$ AgyZAhdmb dfu ê$. 2.00 H$moQ>r IaoXr H$ê$Z ê$. 1.50 H$moQ>r {dH«$s Ho$bobr AmhoV. Ë`mZwgma {X. 31/3/2018AIoa gaH$mar H$O© amoIo ê$. 1547.99 bj Held for Maturity (HTM) d ê$. 750.00 bj Available for Sale

(AFS) _Ü o dJuH$aU Ho$bobo AmhoV. Ë`mZwgma Jw§VdUyH$ Kgmam {ZYrMr VaVwX Ho$bobr AmhoV. VgoM Zm°Z EgEbAmad LIC Numura MF Liquid Fund _Ü o ê$. 233.26 Mr Jw§VdUyH$ Ho$bobr AmhoV. gaH$mar H$O© amoIo {dH«$sVwZAhdmb dfu ê$. 1.10 bj Z\$m Pmbobm Amho.

A{YH$mar {bnrH$ {enmB© EHy$U 18 33 11 62


8

v A§VJ©V boIm n[ajU :~±Ho$Mo gZ 2017-18 m gmbmMo A§VJ©V boIm n[ajU _o. lr. {dO` {JZmoS>r`m OmbZm m§Zr nwU© Ho$bobo

AgwZ Ë`mà_mUo Xmof Xwê$ñVr Ahdmb gmXa Ho$bobm AmhoV. Ë`m§À`m gwMZoMo V§VmoV§V nmbZ H$aÊ`mV oV Amho.`mdfu A§VJ©V boIm n[ajH$m§Mr H$_©Mmar _m\©$V {Z wŠVr H$aÊ`mV Ambr. Ë`mZwgma emIm dmB©O A§VJ©V boIm

n[ajU gwê$ Pmbobo AmhoV.

v emgH$s` boImnarjU :Amnë`m ~±Ho$Mo gZ 2017-2018 m gmbmMo emgH$s` boIm narjU _o. {Z{Ib ~mhoVr A°ÊS> H§$nZr {g.E.

OmbZm m§Mo V\}$ nwU© H$aÊ`mV Ambo AgyZ ~±Ho$bm ""A'' dJ© àmá Pmbobm Amho. boIm narjUmÀ`m doiog Ë`m§Zr Ho$bobo~hþ_mob _mJ©Xe©Z d gyMZm m~Ôb _r Ë`m§Mohr Am^ma _mZVmo.

v H$m°ZH$a§Q> Am°S>rQ> :~±Ho$Mo gZ 2017-18 m gmbmMo H$m°ZH$a§Q> Am°S>rQ> _o. ~mimgmho~ gw mf H$X_ (gr.E.), OmbZm m§Zr

Ho$bobo AmhoV, Ë`m à_mUo Xmof XwéñVr Ahdmb gmXa Ho$bobm Amho. d Ë`m§À`m gwMZoMo V§VmoV§V nmbZ H$aÊ`mV oVAmho.

v B©.S>r.nr. Am°S>rQ : ~±Ho$Mo BS>rnr Am°S>rQ> g[MZ Or. AJ«dmb gr.E. nwUo m§Zr _mM© 2018 n ªV Ho$bobo Amho.

v Q>°Šg Am°S>rQ> :~±Ho$Mo gZ 2017-18 Mo Q>°Šg Am°S>rQ> _o. wfU am_{Zdmg ^ŠH$S> {g.E. OmbZm `m§Zr Ho$bobo AgyZ

g§~§YrV H$m`m©b`mg Am°Z bmB©Z Ûmao nmR>{dÊ`mV Ambobo Amho.

v [aPìh© ~±H$ Am°\$ B§{S>`m `m§MoH$Sy>Z VnmgUr :gZ 2016-18 `m H$mbmdYrMo VnmgUr Pmbobr AgyZ ~±Ho$g CÀM> XOm© àmá Pmbobm Amho. d ~±Ho$Mr

pñWVr g_mYmZ H$maH$ Agë`mMo Z_wX H$ê$Z nwT>rb VnmgUr {X. 31/3/2020 AIoa [aPìh© ~±Ho$ _m\$©V hmoUmaAmho.

v g§MmbH$ A{YH$mar d H$_©Mmar à{ejU :Ahdmb dfm©V _amR>dmS> A~©Z Agmo{eEeZ _m\©$V 10 H$_©Mmè`m§Zm à{ejU XoÊ`mV Ambo. VgoM NPCI

_m\©$V 3 H$_©Mmar JIIT g§ñWo _m\©$V 1 H$_©Mmar RBI _m\©$V 5 A{YH$mar VgoM MSC Bank Ass. _m\©$V 1H$_©Mmar NCBS 2 A{YH$mè`m§Zr à{ejU KoVbo Amho. VgoM ~±Ho$Mo MoAa_Z grE Agë`mZo A{YH$mè`m§Zm OrEgQ>r,ìh°Q> BË`mXr ~m~V ~±Ho$V à{ejU XoÊ`mV Ambo. Ë`mZwgma ~±Ho$Mo A{YH$mar H$_©Mmar `m§Zm Hw$eb H$aÊ`mV oVAmhoV.

v g^mgX à{ejU :_hmamï> amÁ` ghH$mar g§K nwUo _m\©$V ~±Ho$À`m g^mgXm§Zm {X. 16/09/2017 amoOr ~±Ho$V à{ejU XoÊ`mV

Ambo. Mmby dfm©Mo m g oV g mgX à{ejU hmoUma AmhoV. Var à{ejUmMm _m. g mgXm§Zr bm ¿ mdm Aer {dZ§Vr Amho.

v Am`H$a AmJmD$ ^aUm :^maV gaH$maZo Am`H$a H$m`ÚmVrb H$b_ 80 nr Mr Am`H$a gdbVrMr VaVwX ghH$mar ~±H$mZm

aÔ Ho$ë`m_wio Ahdmb dfm©V ~±Ho$Zo Am`H$a ImË`m H$S>o {dhrV _wXVrV A°S>ìhmÝg Q>°Šg nmoQ>r ê$. 2101000/-Mm aUm Ho$bobm AmhoV.


9

v ZdrZ emIm :~±Ho$Mr ZdrZ emIm A§~S> oWo 6 dr emIm bdH$aM CKS>Ê`mV oUma Amho. _m. [aPìh© ~±Ho$g àñVmd

XmIb Ho$bom Amho. _§Owar AnojrV Amho.

v WH$~mH$s d EZ. nr. E.:~±Ho$À`m ^mJ^m§S>dbm_Ü o {ZYr d R>odr Mr dmT> hr ~±Ho$g àJVrXe©H$ Amho. Ë`mM à_mUo ~±Ho$Mr WH$~mH$s

àJVrg _maH$ R>aVo 31/03/2018 AIoa WH$~mH$s ê$. 54.16 bmI Amho. (háo WH$~mH$sghrV) WH$~mH$sMo à_mU2.07% Amho gXarb Q>ŠHo$dmar H$_r H$aÊ`mMo Ñï>rZo à`ËZ gwê$ AgyZ emIm ñVamda d dgwbr {d^mJm_m\©$V dgwbr_mohr_ am~dÊ`mV oV Amho.

WH$~mH$sMr OmUrd g§MmbH$ _§S>img AgyZ WH$~mH$s dgwbr gmR>r Amdí`H$ Vo gd© à`ËZ H$aVAmho Ago Agbo Var WH$~mH$s dgwbrgmR>r AË`mdí`H$ àH$aUr ZmB©bmOmZo dgwbr Xmdo XmIb H$amdobmJVmV. X¡Z§{XZ H$m_H$mOm_Ü`o ho An[ahm`© AgVo. WH$~mH$s dgwbrgmR>r ~±Ho$Zo ñdV§Ì dgwbr {d^mJHo$bobm AgyZ dgwbr A{YH$mar lr. em_amd ~moadbo m§Mr {Z wŠVr H$ê$Z Ë`m§Mo _m\©$V OmñVrV OmñV dgwbr H$ê$ZKoD$Z WH$~mH$sMo à_mU H$_rV H$_r AmUUo eŠ` Pmbobo AmhoV.

gd© g^mgXm§Zm Z_« {dZ§Vr Amho, H$s AmnU KoVboë`m H$Om©Mr {Z`{_V d doioda naV\o$S> H$amdr dH$m`Xoera H$m ©dmhr H$aÊ`mMr doi ~±Ho$da ody Z o `mMr XjVm ¿`mdr Á`m§Zr ~±Ho$Zo Ho$boë`m AmdmhZm Zwgma_wXVrV H$O© naV\o$S> Ho$br Amho Ë`m§Mr ~±H$ Am^mar AmhoV.

EHy$U WH$~mH$sXma g§»`m 280

EHy$U WH$~mH$s aŠH$_ ê$. 54.16 bj (W{H$V hßË`mgh)

EHy$U WH$~mH$sMo à_mU (H$O© oUo ~mH$ser)% 2.07%

101 àH$aUmda A§_b~OmdUrgmR>r dgwbr A{YH$mar lr. em_amd ~moadbo m§Mr {Z wŠVr H$aÊ`mV oD$Z Vog_mYmZ H$maH$ dgybr H$aV AgwZ dgybrg à{VgmX {_iV Amho. Ë`m§Zm goŠ wam`PoeZ H$m`ÚmImbr H$m ©dmhr H$aUo~m~V AmXoe {Xbobo Amho. B©Va WH$~mH$sXmamH$S>rb dgwbrMohr H$m_ Vo H$aV hmoVo.

~±Ho$Mo JVdfu Mo J«mg EZ. nr. E. ê$. 127.63% bj EdT>o hmoVo Ahdmb dfr© dgwbr _mohr_ am~{dÊ`mV odyZVgoM Z{dZ EZnrEV dmT> hmodwZ EZnrE H$_rV H$_r ahmdm m CÔoemZo emIm ñWamda dgwbr _mohr_ am~{dÊ`mV oVAmhoV. J«m°g EZ. nr. E. ê$. 30.81 bj EdT>o Pmbo Ë`mZwgma J«m°g EZnrE 1.17% BVHo$ d ZoQ> EZnrE 0.00% EdT>oAmho. ~±Ho$V ~wS>rV H$O© {ZYr ê$. 39.00 bj EodT>r VaVwX> Ho$bobr AmhoV VgoM nJmaXma H$O© ho {dZm VmaU Agë`mZoË`mMr 100%VaVwX H$aÊ`mV Ambobr Amho. Var g^mgXm§Zm {dZ§Vr H$s, hßË`mMr aŠH$_ Z ^aë`mZo oUo ~mH$saŠH$_ nwU©nUo EZ. nr. E. _Ü o dJuH$aU hmoV Agë`m_wio aŠH$_ ËdarV amUm H$amdr OoUoH$ê$Z ~±Ho$Mo EZ. nr. E.dmT>Uma Zmhr Ë`mZwgma ~±H$ EZ. nr. E. Mo ì`dñWmnU H$arV AgyZ Ë`mgmR>r dgwbr {d^mJ H$j {Z_m©U Ho$bobm Amhodgwbr ~m~V Xa n§Yam {Xder AmT>mdm KoÊ`mV odyZ dgwbrMo H$m_H$mO H$arV AmhmoV Var g^mgXm§Zr dgwbrg à{VgmXXodyZ ghH$m © H$amdo.


1 0

aŠH$_oZwgma EZ.nr.E. Mo dJuH$aU (bmImV) H$mbmdYrZwgma EZ.nr.E. Mo dJuH$aU (bmImV)

WH$~mH$sXma g§» m aŠH$_ WH$~mH$sXma g§» m aŠH$_ê$.25000 n ªV 02 0.26 1 dfm©À`m AmVrb 09 14.53ê$.25001 Vo 50000 01 0.50 1 df© Vo 2 df© 01 3.42ê$.50001 Vo 100000 01 0.57 2 df© Vo 3 df© 01 10.58ê$.100001 Vo 200000 04 6.23 3 df© Vo 5 df© 01 0.50ê$. 200001 Vo 500000 04 12.67 5 dfm© nwT>rb 04 1.78ê$. 500001 Vo Ë`mnojm OmñV 01 10.58

EHy$U 13 30.81 EHy$U 13 30.81

v ZoQ>dW©

~±Ho$Mr JVdfu ZoQ>dW© ê$. 305.08 bj BVH$s hmoVr. Ahdmb dfm©V ê$. 107.01 bj Zo dmT> hmodwZ

ê$. 412.09 bj BVH$s ZoQ>dW© Pmbobr AmhoV.A.H«$. àH$ma 31/3/16 31/3/17 31/3/18

(ê$. bmImV) (ê$. bmImV) (ê$. bmImV)

1 ^mJ^m§S>db 156.09 188.57 202.662 J§JmOir 58.57 70.18 92.353 B_maV {ZYr 52.50 63.20 77.294 {Zìdi Z\$m 37.92 73.15 55.17

305.08 395.10 427.47

v V§ÌkmZ :AmYw{ZH$ V§ÌmMm dmna ~±H$ H$arV AgyZ; `m V§ÌkmZmda AmYm[aV {Za{Zamù`m godm J«mhH$m§Zm CnbãY

H$ê$Z XoÊ`mMm ~±H$m à`ËZ H$arV AgVmV. Amnë`m ~±Ho$Zo hr Aem AmYw{ZH$ godm J«mhH$m§Zm CnbãY H$ê$Z{Xboë`m AmhoV. ~±H$, `m AmYw{ZH$ V§ÌkmZmV gmVË`mZo dmT> H$arV Amho. ~±Ho$Zo, _mo~mB©b ~±H$sJ, nm°B©Q> Am°\$gob (PoS), B§Q>aZoQ> ~±H$sJ d ì`mnmar XoUr (Merchant Payment) B. godm gwê$ Ho$boë`m AmhoV.

_w»` emIm OmbZm oWo B©-bm°~r gwê$ H$aÊ`mV Ambr AgyZ BVa emIoVhr bdH$amV bdH$a gwê$hmoB©b. `m B©-bm°~r_Ü o amoI aŠH$_ âUm H$aUo, nmg~wH$ qàQ> H$ê$Z KoUo, EQ>rE_ _erZ d grS>rE_ _erZ~g{dUoV Ambobo Agë`mZo `mMm \$m`Xm J«mhH$m§Zm hmoB©b. Q>rS>rEg ~m~V 15 Or d 15 EM \$m°_© Am°ZbmB©Z^ê$Z XoUoMr gw{dYm gd© emIo_Üò gwê$ Ho$bobr Amho. `m gw{dYo_wio J«mhH$m§À`m_Üò g_mYmZ ì`ŠV hmoVAmho. Mmby df© J«mhH$m§Zm ~±Ho$Zo w{Q>brQ>r {~b no_|Q> (Utility Bill Payment) gw{dYm gwê$ H$arV AmhmoV._mo~mB©b ~±H$s¨J nyU©nUo gwa{jV d gwb^ H$aÊ`mgmR>r ~±Ho$Zo nyU©V: H$miOr KoVbr AgyZ; ZdrZ nÕVrÀ`mEQ>rE_ (ATM) H$mS>m©Mo {dVaU gd© emIm_YyZ gwê$ Amho. VgoM OrEgQ>r MbZâZoMr d _mo~mB©b A°nMr gw{dYmCnbãY H$ê$Z {Xbr Amho.

v gm_m{OH$ H$m © :Ahdmb dfm©V emgZmÀ`m g§O` Jm§Yr, lmdU ~mi `moOZm d XwîH$mi AZwXmZ ~m~V bm^mWuMo ImVo

CKSy>Z godm XoÊ`mV oV Amho. VgoM àYmZ_§Ìr OrdZ Á`moVr {d_m `moOZm d àYmZ_§Ìr OrdZ gwajm `moOZm


1 1

~±Ho$_m\©$V gwê$ H$aÊ`mV Ambr Amho. Var ImVoXmam§Zr `mMm bm^ ¿`mdm. VgoM _wH$~Yra ì`ŠVtZm ~±Ho$V\}$à{ejU XoÊ`mV odwZ Ë`m§Mo ImVo CKS>Ê`mV Ambo.

v g§MmbH$ _§S>i :~±Ho$À`m àJVr_Ü o d EHy$U H$m_H$mOm_Ü o _bm g§MmbH$ _§S>imMo A{Ve` Cn wŠV d gVV ghH$m ©,

àmoËgmhZ d gmW bm^br Amho, Ë`m§Mm _r F$Ur Amho.

v Am^ma d ôQ>r :JVdfu ~±Ho$V _m. {d^mJr` gh {Z~§YH$ ghH$mar g§ñWm, Am¡a§Jm~mX, _m. {Oëhm Cn{Z~§YH$ ghH$mar

g§ñWm, OmbZm, _m. ghmæ`H$ {Z~§YH$, ghH$mar g§ñWm, OmbZm BË`mXr _mÝ`dam§Zr ôQ>r XoD$Z ~±Ho$À`mH$m_H$mOm~Ôb g_mYmZ ì`ŠV H$éZ ew oÀN>m ì`ŠV Ho$ë`m.

_mJrb dfm©V ~±Ho$Mr àJVr g_mYmZH$maH$ AgyZ ~±Ho$Zo g^mgX, ImVoXma, H$O©Xma `m R>odrXmam§Mm {dídmgg§nmXZ Ho$bobm Amho. ~±Ho$À`m _mJrb dfm©V {_imbobo gdm©§Mo ghH$m © `mnwT>ohr {_iob `mMr ImÌr Amho. ~±Ho$À`m_mJrb dfm©À`m H$m_H$mOmV AZoH$m§Mo ghH$m`© {_imbobo Amho. `mV _m. ghH$ma Am`wŠV d {Z~§YH$, ghH$marg§ñWm, _hmamï´> amÁ`, nwUo, _m. {d^mJr` gh{Z~§YH$, ghH$mar g§ñWm, Am¡a§Jm~mX, _m. {Oëhm Cn{Z~§YH$ghH$mar g§ñWm OmbZm VgoM _m. {d^mJr` gh{Z~§YH$, boIm narjU Am¡a§Jm~mX d {Oëhm {deof boIm narjH$ghH$mar g§ñWm, OmbZm `m§Mo _mJ©Xe©Z bm^bo.

_m. [aPd© ~±H$ Am°\$ B§{S> m, _w»` H$m`m©b`, _w§~B© d àmXo{eH$ H$m`m©b` ZmJnya, _hmamï> amÁ` ghH$mar ~±H$ {b.,_w§~B© àmXo{eH$ H$m`m©b`, OmbZm {Oëhm _Ü`dVu ghH$mar ~±H$ {b., OmbZm, ñQ>oQ> ~±H$ Am°\$ h¡X«m~mX, ~±H$ Am°\$ ~S>moXmOmbZm emIm, ñQ>oQ> ~±H$ Am°\$ B§{S> m OmbZm, H$moQ>H$ _qhÐm ~±H$ {b. Am¡a§Jm~mX, Am§Y«m ~±H$, OmbZm emIm,Am`.S>r.~r.Am`. OmbZm, A°Šgrg ~±H$ OmbZm, Am`grAm`grAm` ~±H$ OmbZm, ^maVr` OrdZ {d_m {ZJ_OmbZm d Am¡a§Jm~mX `m§Mo VgoM emgH$s` d {Z_emgH$s` gm_m{OH$ g§ñWm d BVa _mÝ`dam§Mo ghH$m © d _mJ©Xe©Zdoimodoir {_imbo.

~±Ho$À`m àJVrMr KmoS>Xm¡S> MmbyM Amho. Ë`m Ñï>rZo H$m_H$mO Mm§Jë`m àH$mao ~±H$ àJVrnWmda ZoÊ`mV d~±Ho$Mo AJ«ogaËd, bm¡H$sH$ H$m`_ amIÊ`mV _bm _mPo ghH$mar d ìhm. MoAa_Z lr. ~iram_ OrJo d gd© g§MmbH$`m§Zr ~±Ho$À`m H$m_m_Üò bj KmyZ _bm ~hþ_mob _XV Ho$br. VgoM emIm ñWmZrH$ gXñ`m§Zr ghH$m`© Ho$bo,Ë`m~Ôb _r Ë`m§Mm hm{X©H$ Am^mar Amho. ~±Ho$À`m àJVrV ~±Ho$Mo g^mgX, R>odrXma, {d{dY g§ñWm d {hVqMVH$`m§Mm \$ma _moR>m dmQ>m Amho, Ë`m§Mo ~±Ho$darb ào_, lÕm d {Oìhmim `m_wio ~±H$ {Xdg|{Xdg ÐþVJVrZo àJVr H$arVAmho. `m gdmªZm g§ñWo~ÔbMm {Oìhmim d bmoH$ H$m`_ R>odyZ d¥ÕtJV Ho$bm Ë`m~Ôb _r Ë`m§Mm F$Ur Amho.

~±Ho$Mo _w»` H$m ©H$mar A{YH$mar lr. à{Xn JO} nmQ>rb, OZab _°ZoOa lr. g{MZ dmUr d ~±Ho$Mo BVa A{YH$mard godH$ dJ© `m§Zr ~±Ho$Mr H$m_o doimodoir H$V©ì`XjVoZo, ì`dpñWVnUo d godmd¥ÎmrZo nma nmSy>Z ~±Ho$À`m àJVrV qghmMm dmQ>m_hÎdmMm Amho, Ë`mMm _bm d _mÂ`m ghH$mè`m§Zm A{^_mZ Amho. `m gdmªZm _mPo hm{X©H$ YÝ`dmX!

nwÝhm EH$doi AmnUm gdmªMo VgoM {d{dY d¥ÎmnÌm§Mo, nÌH$mam§Mo, AZoH$ kmV d AkmZ ì`ŠVr d g§ñWm§Zrdoimodoir àË`j d AàË`j Ho$boë`m ghH$m`m©ãXb _r Am^ma ì`ŠV H$ê$Z g§MmbH$ _§S>imMo dVrZo 22 dm dm{f©H$Ahdmb, Vmio~§X, Z\$m-VmoQ>m, BË`mXr {hemo~ nÌHo$ Amnë`m _§OyargmR>r gmXa H$arV Amho, Ë`mg AmnU _§OyarÚmdr hr {dZ§Vr.O`qhX-O` _hmamï´>-O` ghH$ma !{XZm§H$ : 30/6/2018 AmnbmñWi : OmbZm gr.E.S>m°. {ZVrZ Am|H$maXmg VmoVbm

(MoAa_Z)


1 2

hoS> Am°{\$g

1) àXrn JO} nmQ>rb _w»` H$m`©H$mar

A{YH$mar

2) g{MZ dmUr ì`dñWmnH$

3) Xidr A{^{OV ŠbmH©$

4) gw{Zb I§XmaH$a {g.ŠbmH©$

5) amOlr OmYd ŠbmH©$

6) Ym§S>o a_oe {enmB©

_w»` emIm

1) Xoenm§S>o d¡^d à. emIm{YH$mar

2) T>oHo$H$a nwOm Am°{\$ga

3) MìhmU dg§V Am°{\$ga

4) AmdKS> A{Zb H°${eAa

5) H$adm A{_V ŠbmH©$

6) AT>oH$a {eënm ŠbmH©$

7) hmS>H$a {à`m ŠbmH©$

8) JUoe OoW{b`m [enmB©

9) naXoer YZ§O` {enmB©

10) H$X_ g§O` {enmB©

am_ZJa emIm

1) A{\«$Z nR>mU à.emIm{YH$mar

2) IamV nwê$fmoÎm_ Am°{\$ga

3) Am¡Q>r n§S>rV H°$er`a

4) hmS>H$a _ war ŠbmH©$

5) H$m§JS>o _XZ ŠbmH©$

6) CJbo AqOŠ` {enmB©

7) _moJb gwaoe {enmB©

A{YH$mar d H$_©Mmar d¥§X ({X. 31/3/2018 AIoa)

A.H«$. Zm§d nX A.H«$. Zm§d nX

amOwa emIm

1) n[ahma àXrn à. emIm{YH$mar

2) §S>mar gw{ZVm Am°{\$ga

3) Hw$bH$Uu n§H$O ŠbmH©$

4) _moQ>o A_mob ŠbmH©$

5) bú_U MìhmU {enmB©

Hw§$^ma qnniJmd

1) I§S>mJio {dbmg Am°{\$ga

2) ~~boe qbJgo ŠbmH©$

3) {jagmJa g{MZ ŠbmH©$

4) ~mo~S>o {ZVrZ ŠbmH©$

5) Im§S>mJio {dîUy {enmB©

{VW©nyar

1) nwê$fmoÎm_ IamV Am°{\$ga

2) A_moob IamV Am°{\$ga

3) g§{Xn Y~S>H$a ŠbH©$

4) A_mob _wio ŠbH©$

5) [a`mO eoI ŠbH©$

7) `moJoe mboH$a [enmB©


1 3

Ratio Analysis As on 31/03/2018

1) Net Margin

2) Interest expenses / total income x 100 47.51

3) Interest paid on deposits / total income x 100 47.51

4) Interest paid on borrowings / total income x 100 0.00

5) Staff Costs / total income x 100 16.18

6) Other overheads / total income x 100 24.03

7) Interest received on loans and advances and 44.43

discount / total income x 100

8) Interest / dividend received on investments 5.30

to total income x 100

9) Risk provisions / total income x 100 0.90

10) Total income / Working Capital x 100 10.52

11) Return on Average Assets (Net Profit) 0.86

12) Bad bebts written off / Total NPAs x 100 0.00

13) Interest income / Average Earning Assets x 100 9.59

14) Total income / Total Assets x 100 11.42

15) Employee productivity (Average business / 139.18

Number of employees)

16) Deposits per employee 98.50

17) Advances per employee 40.98

18) Staff Cost. to Total Expenditure 18.44

19) Borrowings per employee 0.00

20) Profit per employee 0.86

21) Net Margin 1819 x 100 11.38


1 4

BALANCE SHEET AS ON 31/03/2018

31.03.2017 Capital & Liabilities 31.03.2018

CAPITAL25000000.00 1) Authorised Capital 40000000.0018857900.00 2) Subscribed Capital 20266300.00 20266300.00

RESERVE FUND & OTHER FUND

7001843.44 1) Statutory Reserve Fund 9234736.126320238.90 2) Building Fund 7728985.90

425000.00 3) Bank Development Fund 450000.00275000.00 4) Co-Op Propoganda Fund 300000.00250000.00 5) Staff Welfare Fund 300000.00400000.00 6) Member Welfare Fund 430000.00250000.00 7) Charity Fund 275000.00703072.25 8) Investment Fluction Reserve 729797.25

3080500.00 9) Inv Depreciation Reserve 4205500.003217000.00 10) Bad and Doubtful Reserve 3900000.00

902000.00 11) Standard Asset Provision 1045000.00208387.00 12) Divivdent Equilisation Fund 208387.00125000.00 13) Education Fund 425000.00500000.00 14) Technology Development Fund 1250000.00200000.00 15) Staff Grautiy Fund-Contract 300000.00

0.00 16) Ele. Fund 82000.000.00 17) Contingent Loss Fund Future Loses 300000.00 31164406.27

DEPOSIT AND OTHER A/C

44958124.00 1) Ind. Fixed Deposit 53030961.00212348492.00 2) Ind.Cumulative Deposit 256169720.00

865395.00 3) Priyadarshani Dam Duppat Depo 932270.0030695.00 4) Priyadarshani Cash Certificate Depo 14882.0056366.00 5) Ind CDR Against SPF 0.0039168.00 6) Ind CDR Against SSD 0.00

2882102.00 7) Recurring Deposit 4052195.00274000.00 8) Special Recurring Deposit 341200.00124475.00 9) Recurring Deposit Ag SSD 92072.00130000.00 10) Locker Deposit 70000.00404871.00 11) Matured Fixed Deposit 257934.00

1098324.00 12) Matured Cummulative Depo 560938.001142537.00 13) Dhanlaxmi cash certificate 835351.003599057.00 14) Pigmy Deposit 3063515.00

356723.77 15) Credit Balance in Hypo A/C 837780.16752590.27 16) Credit Balnace with Current A/C O/D 169665.52

311778861.63 51430706.27


1 5

BALANCE SHEET AS ON 31/03/201831.03.2017 Property & Assets 31.03.2018

CASH IN HAND & WITH BANKS1) CASH IN HAND

9297782.00 A) Cash in hand 16376173.003083500.00 B) ATM Cash 5416600.00

21792773.009663802.07 2) State Bank Of India , shivaji chowk 4151325.154964023.34 3) State Bank Of India Mian Br Jalna 1608857.84

25543.72 4) Bank Of Baroda , Br. Jalna 139054.72643411.00 5) Andhra Bank Jalna branch 338627.00

31659.00 6) Union Bank of india Ramnagar Branch 131464.8319585.00 7) Bank of Maharathra Kumbhar Pimpalgaon 313735.0087382.37 8) The M.S.C Bank Ltd Mumbai 100571.37

7561.45 9) The MSC Bank Ltd Aurangabad Branch 11194.939262.00 10) The JDCC Bank Ltd SMR Jalna Branch 931419.00

33246068.42 11) ICICI Bank Ltd Jalna Branch 14062418.9521363.00 12) IDBI Bank Ltd Jalna 710479.82

4017834.62 13) Axis Bank Ltd Jalna 3987301.744096940.47 14)YES Bank Ltd Aurangabad Branch 9319950.941510228.89 15) Kotak Mahindra Bank Ltd A’bad 7875407.14 43681808.43

MONEY AT CALL AND SHORT NOTICE

6818633.00 1) INV C.D.R. with other Co operative Banks 0.005000000.00 2) STD With M.S.C Bank LTd 1500000.00

47517279.00 3) STDR with Nationalised Bank 19976803.005000000.00 4) STDR with Other Bank 20610774.00

27208159.28 5) Investment in LIC Nomura MF Liquid Fund & Other LF23325979.28

INVESTMENTS250000.00 1) FDR With M.S.C Bank Mumbai ( U.MA.Sch) 250000.00

57308106.00 2) Investment with Nationalised Bank 28666912.00235177700.00 3) Inv in Govt Security 229799400.00

5000.00 4) Shares with M.S.C Bank Ltd Mumbai 5000.001000.00 5) Shares With JDCC Bank Ltd Jalna 1000.00

TOTAL INVESTMENT 324135868.28

455011824.63 389610449.71


1 6


311778861.63 B/F 51430706.27

SAVING BANK DEPOSIT

325389503.02 1) Ind. Saving 259384852.881015502.00 2) Special saving 247741.00

796819.28 3) PradhanMantri Jandhan Yojana 1662410.44

CURRENT DEPOSIT

58734110.08 1) Ind Current 48695507.68

TOTAL DEPOSITS 630418995.68

0.00 BORROWING 0.00

BILLS PAYABLE1221432.00 1) Outward Bills for Collection 56452.001430970.00 2) Inward Bills Recd for Collection 178240.00 234692.00

1487977.00 INTREST PAYABLE 1639709.00 1639709.00

OTHER LIABILITIES

436671.00 1) Sundry Creditors 475466.5018900.00 2) Draft Payable 1315475.00

3224714.00 3) Dividend Payable 4267237.00591937.36 4) Deposit unclaim Paybale 591937.36

6764.00 5) TAX Deduction at Source 166777.00890000.00 6) Income Tax Paybale 0.00

4687.00 7) Surcharge Account 0.00 6816892.86

5523853.18 BRANCH ADJUSTMENT 0.00

1480603.72 RESERVE FOR INTREST OVERDUES 1279574.00

PROFIT AND LOSS A/C

9014147.68 PROFIT AS ON 31.03.2018 5517376.18CONTINGENT LIABILITIES

Out standing Liabilities for guranteesissued (Rs.390000.00)

723047452.95 697337945.99


1 7

31.03.2017 Property & Assets 31.03.2018

455011824.63 B/F 389610449.71

LOANS AND ADVANCESA) SECURED LOANS

1638020.00 1) Loan against Agricultural and Allied 1815948.004320000.00 2) Medium Term Loan For Agricultral 2598890.001588022.00 3) Advance on Fixed Deposits 1252301.005092464.00 4) Advance on cummulative Deposit 4487241.002991954.75 5) OD With Current A/c 3098913.00

36939.00 6) Loan Against Pigmy Deposit 40094.0028208.00 7) Loan Against House Hold Articals 18794.00

194274.00 8) Loan Against LIC Polices 159607.0018594521.00 9) Advances against pledge Golds and Silver 45136008.10

2769803.00 10) Loan Against Vechical ( 2 Wheeler ) 1667087.005023703.00 11) Short Term Loan Against Vehicles 4537149.00

61796801.21 12) C.C against Hypothication 87500471.131003630.00 13) Loan to Staff 824105.00

51157399.00 14) Short Term Loan Against Retail Trade 52249691.88779720.00 15) Short Term Loan Against Machinary 954916.00

7129353.00 16) Loan Against Fixed Assets 9315175.0031172571.00 17) Long Term Loan Against Housing 26090772.15

9404559.00 18) Personal Loan Ag Security 8114007.002868889.00 19) Overdraft Against Gold Ornaments 1406644.00

TOTAL SECURED LOANS AND ADVANCES 251267814.26

B) UNSECURED LOANS14711124.00 20) Clean Loan Against Emp Guarantee 10498512.00

536606.00 21) Personal Loan 474660.00TOTAL UNSECURED LOANS AND ADVANCES 10973172.00 262240986.26

BILLS RECEIVABLE1221432.00 Outward Bills Receivable 56452.001430970.00 Inward Bill Receivable 178240.00 234692.004841686.61 INTREST RECEIVABLE 4932262.00 4932262.00

0.00 BRANCH ADJUSTMENT 1346976.35

685344474.20 58365366.32


1 8

Sd/- Sd/-P.S. Garje Patil N.K. Patil

C.E.O. Director


Sd/-Nikhil Baheti & Co.

Chartered Accountants, Jalna

723047452.95 B/F 697337945.99

723047452.95 697337945.99


1 9

31.03.2017 Property & Assets 31.03.2018

Sd/- Sd/- Sd/-D.S.Atkal B.T.Jige CA Dr. N.O.TotalaDirector V Chairman Chairman

685344474.20 B/F 658365366.32

OTHER ASSETS1) Safe & FurnituresBalance as per last B/S 17592309.52addition during the year + 5214023.04Total 22826732.56

17592309.52 Less Depreciation - (4135066.00) 18671266.562) Ele. And FittingBalance as per last B/S 983363.67addition during the year +18075.00Total 1001438.67

983363.67 Less Depreciation - (155073.00) 846365.673) Vechile AccountBalance as per last B/S 8170.95 addition during the year 994959.00Total 1003129.95

9612.88 Less Depreciation -(98818.00) 904311.95

40191.00 4) Telephone Deposit 40191.0034165.00 5) Bank Liberary 34165.0016760.00 6) Elctricity Anamat 16760.00

967639.00 7) Prepaid Insurance 1003266.321995000.00 8) Income Tax Advance 2101000.00

236643.00 9) TDS and FBT Receivable 296925.0013479650.00 10) Premium on Govt Securities 11881500.00

147871.60 11) Stock Of Stationary 239762.6015000.00 12) Sundry Debitor 363842.4994686.00 13) Other Receivable 206686.00

609483.36 14) Deposit Unclaim Receivable 591937.360.00 15) Festival Advance 36000.000.00 16) GST Payble (Output) 459025.72

37693005.67

1480603.72 ACCURED INTREST ON LOAN AND ADVANCES 1279574.00

723047452.95 697337945.99


2 0

PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31/03/2018COMPAIR WITH 31.03.17

31.03.2017 Expenditure 31.03.2018

Int Paid On Deposit31374556.00 1) On Deposit 34746380.00

0.00 2) On Borrowing 0.00 34746380.00Salary and Allowances

6936625.00 A) Salary and Allowances 9375433.00472527.00 B) Bank Contribution towards SPF 603431.00148592.00 C) Stipend Paid 42355.0061400.00 D) Trainning Exp 98040.00

205292.00 E) Graduaty Payable to LIC 369893.001380666.45 F) Bonus and Exgretia To Staff 128872.00905003.93 G) Security Expenses 1213037.04 11831061.04

Meeting Exp13057.00 A) Meeting Exp 3455.00

160500.00 B) Attendance Fee & T.A to director 145728.8248990.75 C) Annual General Meeting Expenses 65547.25 214731.07

Rent, Tax, Unsurance & Lighting1596890.00 A) Rent Of Bank 2100548.84631173.11 B) Light MSEB Bills 557000.00247768.00 C) Insurance Premium 282716.20 2940265.04414044.00 Premium Paid T o DICGC 624478.3653514.50 Legal Expenses & Other T axes 378850.44

Postage and T elegram & T el68765.80 A) Postages Telegram & Telephone 31488.10

744358.45 B) Telephone Mobile Telegram 747351.86 778839.96249860.00 Audit Fees 341940.00

Depreciation4520502.00 A) On Assets 4390398.932499350.00 B) On Investment 2730150.00 7120548.93

Printing,Stationery & Advertisement Exp237150.00 A) Advertisement Exp 317958.62613046.07 B) Printing and Stationary 221328.52 539287.14

Other Expenses75000.00 A) Subscription and Membership 63087.5080999.00 B) Computer Maint Exp 49648.50

652896.00 C) Other Expenses 865437.54235970.00 D) Travelling Expenses 450838.80967564.50 E) Repair And Maintanance 1046764.92

0.00 F) ATM Mpls Lease Line Exp. 42,472.0016925.00 G) Recovery Expences 15402.00

400.00 H) Locker Rent Paid 472.0014,500.00 I) ISO Certification Expennces 16,215.00308467.01 J) Pigmy Commission A/c 191787.44

2748798.60 K) Service Tax Paid to Gov 378566.12248679.00 L) AMC Chg. 328232.56225815.88 M) ATM Trg. Chg from NPCI 383736.8129015.00 N) ATM Service Tax from NPCI 17954.3942900.00 O) ATM Driving Fees 46819.18

666191.00 P) ATM Issure Transaction Fees 668986.29126777.30 Q) ATM Service Tax on Inpute Services 21646.4611346.00 R) Courier Bill Paid to Sarvatra 1100.00

236383.00 S) Staff Dress Exp 39023.080.00 T) BC MICRO ATM Acq transaction 381.00

75000.00 U) NPCI Certifiaction fees 0.00 4628571.59Provision

1119000.00 A) Bad And Doubtful 657094.000.00 B) Professional Tax 5,000.00 662094.00

2434075.00 Income tax 2802685.009014147.68 Profit As on 31.03.2018 5517376.18

72914482.03 73127108.75


C.E.O. Director

Sd/-Nikhil Baheti & Co.

Chartered Accountants, Jalna


2 1

31.03.2017 Income 31.03.2018

PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31/03/2018 COMPAIR WITH 31.03.17

Interest & Discount

28899461.50 A) Int Recd on Loan and Advances 32487596.94

6589391.14 B) Int Recd on Investment 3879128.12

10798111.12 C) Int Recd from Govt Security 16457329.56

0.00 D) Int Paid On Recurring Deposit 33770.00 52857824.62

Commission Exchange

2842388.29 A) Commission & Exchange 3480689.25

544928.28 B) Commission Received on Challan 491296.17 3971985.42

7834067.75 Profit Recd on Sale of Govt Securities 110025.00

309132.00 Insu Policy Refereal Commission 544801.96

1469919.19 Growth Received From LIC MF LF 766815.00

Other Income

94725.00 A) Locker Rent Received 15706.90155450.00 B) Loan Processing Fees 99676.52

10463233.07 C) Misclleneous Receipt 10621344.43656368.88 D) ATM Card Chg Recevied 782631.56

1992449.91 E) ATM Acquire Transaction fees 3005734.33264855.9 F) ATM Service Tax on output services 112465.69

0.00 G) ATM Above Five Transaction 216797.320.00 H) PAN Card Fess 20850.000.00 I) CIBIL Charges 450.00 14875656.75

72914482.03 73127108.75



2 2

Position of Net Advances / Net NP As

Sr. No. Particulars 31/03/2017 31/03/2018

1. Gross Advances 2228.39 2622.41

2. Gross NPAs 127.63 30.81

3. Gross NPAs percentages to gross 5.73 1.17

4. Deductions

Balance in intrest suspece a/c O/R 22.26 12.80

DICGC/ECGC claims received

and held pending adjustment 0 0

Part Payment on NPA account recd

and kept in suspence account 0 0

Total Deductions 22.26 12.80

5. Total NPA provisions held

(BDDR and special BDDR balance

after appropriation) 32.17 39.00

6. Total Net Advance (1(-) 4 (-5) 2196.22 2583.41

7. Net NPAs (2(-) 4 (-) (-5) 95.46 0

8. Net NPA as percentage 4.35 0

of net advances

Classification of gross loans & Advance

(Rs. in lacs)

I Standard 2591.60 98.83

II Sub Standard 17.95 0.68

III Doutfull 12.86 0.49

IV Loss Assets -- --

Total 2622.41 100.00


2 3

Sr. Category Loans NPA

No. No of Amount Total A/C Amount %A/cs %

A) Security Wise analysis 1782 2512.68 95.82 12 30.74 99.78I) Secured advancess1) Pledge -- -- -- -- -- --2) CC Ag Hypo 154 905.99 34.55 02 2.57 8.343) Land And Building 118 443.44 16.91 -- -- --4) Plant and Machinary 03 9.55 0.36 01 3.42 11.105) Truck Purchase 93 62.04 2.37 01 10.58 34.356) Hire Purchase 201 522.68 19.94 08 14.17 45.997) Govt. Supply Bills -- -- -- -- -- --8) Book Debt -- -- -- -- -- -- --9) Ware House Receipts -- -- -- -- -- --10) Share of Joint Stock -- -- -- -- -- --11) Bullion including gold and silver 1159 465.43 17.75 -- -- --

ornaments12) Govt. and Other Trustee -- -- -- -- -- --13) LIC Polices 03 1.60 0.06 -- -- --14) Fixed Deposits and Other Deposit 36 57.80 2.20 -- -- --15) Other Securites 15 44.15 1.68 -- -- --

II Unsecured Advances 171 109.73 4.18 01 0.07 0.221) Surety Loans (Two Suarities) 8 4.75 0.18 --- -- --2) Surety Loans (Secureed by Salary 163 104.98 4.00 -- -- --

Deductions)

III Bills Purchased / Discounted1) Documantry Bill -- -- -- -- -- --2) Clean Bills -- -- -- -- -- -- --

Total 1953 262241 100.00 13 30.81 100.00

B) Segment wise analysisI Priority Sector1) For Agriculture & Allied 1184 48278 18.41 -- -- --2) Retail Trade / Small Business 510 1486.39 56.68 06 13.98 45.383) Small Scale Industrial -- -- -- -- -- --4) Other Priority Sector 32 167.11 6.37 03 2.57 8.34

Total 1726 2136.23 81.46 09 16.55 53.72

II) Non Priority Sector1) Medium & Large industries -- -- -- -- -- --2) Other Non-Priority Sector 277 486.18 18.54 04 14.26 46.28

Grand Total 1953 2622.41 100.00 13 30.81 100.00

Security - Wise and segment - analysis of loans and advancesincluding overdrafts and cash credit as on the date of 31/03/2018

A Security - Wise analysis


2 4

H$Om©Mr {dJVdmarê$. bmImV

A.H«$. aŠH$_oZwgma H$Om©Mo dJuH$aU 31/03/2018 aŠH$_ImVo g§»`m

1) 1 Vo 25000 619 91.952) 25001 Vo 50000 470 151.713) 50001 Vo 100000 261 167.554) 100001 Vo 200000 390 854.115) 200001 Vo 500000 137 702.096) 500001 À`m darb 076 655.00

EHy$U 1953 2622.41

>R>odrMo aŠH$_oZwgma dJuH$aUê$. bmImV

A.H«$. aŠH$_oZwgma R>odrMo dJuH$aU 31/03/2018 aŠH$_ImVo g§»`m

1) 1 Vo 25000 61137.00 966.592) 25001 Vo 50000 1329.00 475.033) 50001 Vo 100000 1268.00 872.424) 100001 Vo 200000 876.00 1164.355) 200001 Vo 500000 351.00 1946.826) 500001 À`m darb 174.00 1778.98

EHy$U 65130.00 6304.19

Movement of NPAS during the year

Quartewr (1) Amount of NPAS as Recoveries effected Additions to Amout of NPAsat the beginning of out of NPAS during NPAS during the as at the end of the

the Quarter (2) the Quarter (3) the Quarter (4) Quarter (5) =(2-3+4)

30/06/2017 77.44 36.00 0 77.08

30/09/2017 77.08 9.06 59.08 127.10

31/12/2017 127.10 0 0.53 127.63

31/03/2018 127.63 101.85 5.03 30.81


2 5

Rs. in Lacs

AZoŠga ""Ao''

Zm§d : {n« Xe©Zr ZmJar ghH$mar ~±H$ {b. OmbZmZm|XUr H«$_m§H$ : OoEEb/OoEEb/~rEZHo$/(Amo) 117. {X. 14/10/94Zm|XUrH¥$V nÎmm : XoD$iJm§d amOm amoS>, OmbZm-431203[aPd© ~±H$ nadmZm H«$. : w~rS>r/_hmamï´> 1134 nr~r {X. 6 _o 1995

31 _mM© 2018 AIoa VnerbEHy$U emIm : _w»` H$m`m©b`, OmbZmg^mgX : ^mJYmaH$ : 7403

Zm__mÌ ^mJYmaH$ : 475dgwb ^mJ^m§S>db :EHy$U amIrd {ZYr :

Q>ŠHo$dmar ê$n o bmImVR>odr : 1) ~MV R>odr 41.45% 2612.95

2) Mmbw R>odr 7.72% 486.963) _wXV R>odr 49.47% 3118.714) [aH$[a¨J 0.71% 44.855) BVa R>odr 0.65% 40.72

EHy$U R>odr 100.00% 6304.19

H$O} : 1) VmaUOÝ` 95.82% 2512.672) {dZmVmaU 4.18% 109.74

EHy$U H$O} 100.00% 2622.41

EHy$U AJ«jo_ EHy$U H$_©Mmar : 62H$O© à_mU : 72.35 IoiVo ^m§S>db : 6952.31Xw~©b KQ>H$ H$Om©Mo : -- KoVbobr H$O} : {Za§H$AJ«jo_ H$Om©er à_mU : 19.37 EHy$U WH$~mH$s : 54.16Jw§VdUyH$ : 3241.36 EHy$U AJ«H$_ joÌmgWH$~mH$sMo à_mU : 2.07 {Xbobr H$O} : 1897.21{Zìdi Z\$m : 55.17 Xw~©b KQ>H$mg {Xbobr H$O} : 367.42


2 6

Z\$m dmQ>Ur gZ 2017-2018

{XZm§H$ 31/03/2018 AIoa ~±Ho$Zo ê$. 5517376.18 EdT>m {Zìdi Z\$m Pmbobm AgwZZâ`mMr {d^mJUr Imbrb à_mUo H$aÊ`mgmR>r g§MmbH$ _§S>imMr {e\$mag Amho. Var _§Owar AmnUmH$Sy>ZAnojrV Amho.

A.H«$. Vnerb aŠH$_

1) J§JmOir 1379376.18

2) B_maV {ZYr 928000.00

3) AZno{jV VmoQ>m [aPìh© \§$S> 552000.00

4) e¡jUrH$ {ZYr 150000.00

5) V§ÌkmZ {dH$mg {ZYr 600000.00

6) {ZdS>UyH$ {ZYr 65000.00

7) Jw§VdUwH$ MT> CVma {ZYr 350000.00

8) Jw§VdUyH$ Kgmam {ZYr 50000.00

9) Y_m©Xm` {ZYr 25000.00

10) H$_©Mmar H$ë`mU {ZYr 50000.00

11) H$_©Mmar J«°À wQ>r {ZYr 250000.00

12) ~±H$ {dH$mg {ZYr 50000.00

13) bm^m§e 6% à_mUo 1068000.00

EHy$U ê$n o 5517376.18

g§MmbH$ d Ë`m§Mo ZmVodmB©H$m§Zm {Xbobo H$O}{X. 31/03/2018 AIoa

A.H«$. Vnerb g§»`m dfm©À`m ghH$ma ghH$ma ghH$ma WH$sVgê$dmVrg dfm©V dfm©V dfm© AIoa ~mH$soUo aŠH$_ H$Om©D$ naV \o$S> oUo aŠH$_o

{Xbobr Ho$bobr n¡H$saŠH$_ aŠH$_ ~mH$s

1) g§MmbH$ {Za§H$ {Za§H$ {Za§H$ {Za§H$ {Za§H$ {Za§H$2) ZmVodmB©H$ {Za§H$ {Za§H$ {Za§H$ {Za§H$ {Za§H$ {Za§H$

ê$. bmImV


2 7

gZ 2017-2018 `m dfm©Mo A§XmOnÌH$mnojm H$_r A{YH$ Pmboë`m IMm©Mo {ddaU nÌ

Sr. EXPENDITURE Budgeted Expences Actual Less Than More ThanNo for 2017-2018 Expences Budgeted Exp Budgeted Exp

1 To Interest Paid On Deposit 41500000.00 34746380.00 6753620.00 0.002 To Interest Paid On Borrowing 0.00 0.00 0.00 0.003 To Salary And Allowances 9200000.00 9375433.00 0.00 175433.004 To Bank Contribution Toward SPF 960000.00 603431.00 356569.00 0.005 To Security Expences 1104000.00 1213037.04 0.00 109037.046 To Bonus and Ex Gratia 675000.00 128872.00 546128.00 0.007 To Graduty payable to Insu co 400000.00 369893.00 30107.00 0.008 To Training 250000.00 98040.00 151960.00 0.009 To Pigmy Commission 300000.00 191787.44 108212.56 0.0010 To Rent Light and taxes 2405000.00 2657548.84 0.00 252548.8411 To Printing and Stationery 1000000.00 221328.52 778671.48 0.0012 To Postages,Telegram & Tel 950000.00 778839.96 171160.04 0.0013 To Premium Paid to DICGC 610000.00 624478.36 0.00 14478.3614 To Subscription and Membership 90000.00 63087.50 26912.50 0.0015 To Repair and Maintances 1300000.00 1046764.92 253235.08 0.0016 To Travelling Expences 300000.00 450838.80 0.00 150838.8017 To Legal Exp. & Other Exp. 225000.00 378850.44 0.00 153850.4418 To Advertisment Expences 350000.00 317958.62 32041.38 0.0019 To AGM Expences 90000.00 65547.25 24452.75 0.0020 To Audit Fees Expences 475000.00 341940.00 133060.00 0.0021 To Other Expences 850000.00 865437.54 0.00 15437.5422 To Attendance Fees to director 170000.00 145728.82 24271.18 0.0023 To Meeting Expences 70000.00 3455.00 66545.00 0.0024 To Computer Maintance Expences 260000.00 49648.50 210351.50 0.0025 To Depriciation 4300000.00 4390398.93 0.00 90398.9326 To Professional Tax 2500.00 5000.00 0.00 2500.0027 To BDDR Provision 1800000.00 657094.00 1142906.00 0.0028 To ISO Certifacate Expences 50000.00 16215.00 33785.00 0.0029 To Dep. On Investment 2200000.00 2730150.00 0.00 530150.0030 To Income Tax 2700000.00 2802685.00 0.00 102685.0031 To Recovery Expences 300000.00 15402.00 284598.00 0.0032 To Locker Rent Paid 1000.00 472.00 528.00 0.0033 To Stipend Paid to trainee 200000.00 42355.00 157645.00 0.0034 To GST paid to Govt. 4500000.00 378566.12 4121433.88 0.0035 To Sarvatra ATM AMC Chg. 200000.00 328232.56 0.00 128232.5636 To ATM Trg.Chg from NPCI 300000.00 383736.81 0.00 83736.8137 To ATM Service Tax from NPCI 150000.00 17954.39 132045.61 0.0038 To Net Profit 7100000.00 5517376.18 1582623.82 0.00

TOTAL 87337500.00 72023964.54 17122862.78 1809327.32

adadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadada

adadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadada

Classification of Assests and Provisioning made against Non-Performing Assets as on 31st March 2018

(figures in Lacs)

Clssification No.of Amount Provision Existing Provisioning Totalof assets account Outstanding INT Required to Provision at made during Provision

be made the beginning the year as at the endamount of the year under report of the year

Total Loans and advances of which 1953 2622.41 12.80 18.45 41.19 49.45

A. Standard Assests 1941 2593.11 0 10.37 9.02 1.43 10.45

1. Sub-standard 9 16.49 3.02 1.65 16.44 0 16.44

2. Doubtful : 3 12.88 9.78 6.43 15.73 6.83 22.56

a) Secured

b) Unsecured

3. Loss assets

(1+2+3)

1953 2622.41 12.80 18.45 49.45 8.26 49.45

CËnÞmMm ê$n`m Agm Ambm

H$Om©darb ì`mO 44.43 n¡goJw§VdUwH$sdarb ì`mO 27.86 n¡goH$_reZ 5.43 n¡gogpìh©g MmO© 22.22 n¡go

100.00 n¡go

IMm©Mm ê$n`m Agm Jobm

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100.00 n¡go

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adadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadada

adadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadadada


2 9

BUDGET FOR THE YEAR 2018-19

Sr. EXPENDITURE AMOUNT Sr. INCOME AMOUNTNo No

1 To Interest Paid On Deposit 51095000.00 1 By Commission Exchange 4674000.002 To Interest Paid On Borrowing 0.00 2 by commission reced on challan 799500.003 To Salary And Allowances 12500000.00 3 By Interest recd on loan and advance 63279000.004 To Bank Contribution Toward SPF 1310000.00 4 By Int. recd on investment 7978200.005 To SecurityExpences 1433000.00 5 By Int. recd on Govt Security 13530000.00

6 To Bonus and Ex Gratia 775000.00 6 BY Int. Policy referCommission 575000.007 To Graduty payable to Insu co 500000.00 7 BY Locker Rent Received 117000.008 To Training Expences 225000.00 8 By Miscillous Receript 12300000.009 To Pigmy Commission 275000.00 9 By Loan Processing Fees 215000.0010 To Rent Light and Taxes 2958150.00 10 By Profit Recd on Sale of Govt Security 1230000.0011 To Printing and Stationery 1230000.00 11 BY Growth recd from LIC LF-MF 738000.00

12 To Postages and Telegram 1168500.00 12 ATM Card Charges Rec. 344400.0013 To Premium Paid to DICGC 750300.00 13 ATM Trg. Charges From NPCI 2583000.0014 To Subscription and Membership 110700.00 14 ATM Service Charges From NPCI 277000.0015 To Repair and Maintances 1599000.0016 To Travelling Expences 369000.0017 To Legal Profession Exp 277000.00

18 To Advertisment Expences 430500.0019 To AGM Expences 110700.0020 To Audit Fees Expences 584250.0021 To Other Expance 1045500.0022 To Attendance Fees to Director 209100.0023 To Meeting Expences 86100.0024 To Computer Maintance Expences 319800.00

25 To Depriciation 5289000.0026 To Professional Tax 3000.0027 To BDDR Provision 2214000.0028 To ISO Certificate Expences 61500.0029 To Dep. On Investment 2706000.0030 To Income Tax 3321000.00

31 To Recovery Expences 369000.0032 To Locker Rent Paid 1500.0033 To Stipend Paid to tranie 246000.0034 To Service tax paid to Govt. 5535000.0035 To Sarvatra ATM AMC Chg. 246000.0036 To ATM Trg.Chg to NPCI 369000.00

37 To ATM Service Charges to NPCI 184500.0038 To Net Profit 8733000.00

TOTAL 108640100.00 108640100.00


3 0

PARAMETERS31/3/2018

( Rs In Lakh)

Sr. Particulars 31.03.2015 31.03.2016 31.03.2017 31.03.2018No. Audited Audited Audited Audited

1 Member 7314 7403 8501 7403

2 Share Capital 135.46 156.09 188.57 202.66

3 Reserve Fund 41.57 58.57 70.02 92.35

4 Deposits 3309.96 3951.66 6549.98 6304.19

5 Other Funds 101.00 117.14 175.60 219.29

6 Low Cost Deposit 1525.94 1707.58 3272.03 3099.91

8 Borrowings 0 0 0 0

9 Profit 33.46 37.92 73.15 55.17

10 Gross Profit 45.78 55.70 178.88 89.82

11 Net Profit 33.46 37.92 73.15 55.17

12 Investment

Govt And Other 778.10 872.33 2351.78 2297.99

Turstee Securities

13 % of NDTL 25.35 23.05 34.58 31.37

14 Advances & weaker 379.15 387.32 266.88 367.42

15 Advances to Priority 1199.23 1414.87 1449.48 1897.21

16 Overdues 78.31 68.53 64.61 54.16

17 Overdue % to Advance 4.38 3.55 2.90 2.07

18 CD Ratio 54.02 48.83 34.02 41.60

19 OIR 8.71 9.49 14.81 12.80

20 Working Capital 3661.29 4373.00 7183.23 6952.32

21 Gorss Advances 1787.94 1929.77 2228.39 2622.41

22 Gorss NPAs 39.72 51.33 127.63 29.30

23 % of Gross NPA 2.22 2.66 5.73 1.12

24 NPA Provision 21.25 25.00 32.17 39.00

25 Net Advances 1766.69 1907.77 496.22 2583.41

26 Net NPA 18.47 26.33 95.46 0

27 % of Net NPA 1.05 1.38 4.35 0

28 C.R.A.R 14.16 14.65 15.49 15.49

29 Audit Class A A A A


3 1

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R>odrMm H$mbmdYr ì`mO Xa %

15 {Xdg Vo 45 {Xdg 4.00%

46 {Xdg Vo 90 {Xdg 4.25%

91 {Xdg Vo 180 {Xdg 5.00%

181 {Xdg Vo 270 {Xdg 6.00%

271 [Xdg Vo 364 {Xdg 7.00%

12 _{hZo Vo 35 _{hZo 8.00%

36 _{hZo Vo 63 _{hZo 8.00%

64 _{hZo Vo nwT>rb H$mbmdYrgmR>r 8.00%

g§ñWm d Ooð> ZmJarH$m§gmR>r 0.50% A{YH$ ì`mO Xa

v H$Om©darb ì`mO Xa v

H$Om©Mm àH$ma ì`mO Xa %

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6) dmhZ VmaU H$O© 13.50

7) Q>_© bmoZ H$O© (ì`mnmamgmR>r) 13.00

8) Q>_© bmoZ (BVa) 14.00

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10) _mb_Îmm VmaU H$O© 14.00

11) Ka ~m§YUr 11.00

12) d¡Ú{H$` H$O© (S>m°. gmR>r) 11.00


3 2

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[aPìh© ~±H$À`m gwMZoZwgma Vmio~§Xm gmo~V Úmd`mMr _m{hVr

1. ^m§S>db OmoIr_ n`m©áVm {ZH$f (H°${nQ>b A°Šgrg aoemo) 15.49 15.16

2. ^m§S>db OmoIr_ n`m©áVm {ZH$f _mJrb dfuMm

d Ahdmb gmbMm VwbZmË_H$ 31.3.2017 31.3.2018

Amdí`H$ Q>ŠHo$dmar CRAR 15.49 15.16

3. Jw§VdUyH$ 9% 9%

A) nwñVH$s _wë` d Xe©Zr _wë` Xe©Zr _wë` Xe©Zr _yë`

2351.78 2297.99

~) ~mOma ^mdmZr hmoUmar {H$§_V 2147.30 2239.10

4. ñWmda {_iH$V, ~m§YH$m_ ì`dgm` d Ka ~m§YUrgmR>r {Xbobr H$O© 322.09 260.91

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A) {ZYr AmYmarV (Fund Based) --- ---

~) {ZYr AmYmarV (NonFund Based) --- ---

7. R>odrdarb gamgar ì`mOXa 4.79 5.51

8. EZ.nr.E.(Non Perfornming Assets)

A) J«m°g EZ.nr.E. 127.63 29.30

~) ZoQ> EZ.nr E. 95.46 0

9. _mJrb dfm©Mo d Mmbw dfm©Mo EZ.nr.E. Mo Vmio~§X

VmaIodarb VwbZmË_H$ AmH$S>odmar 31.3.2017 31.3.2018

A) J«m°g EZ.nr.E. 5.73 1.12

~) ZoQ> EZ.nr.E. 4.35 0

10 gr.S>r. aoemo 41.60

11. bm^ àXVm

A) {_imboë`m ì`mOmMo IoiË`m ^m§S>dbmMo à_mU 6.45 7.60

~) B©Va CËnÞmMo IoiË`m ^m§S>dbmer à_mU 3.71 2.92

H$) T>mo~i Zâ`mMo IoiË`m ^m§S>dbmer à_mU 2.15 1.29

S>) g§nÎmrda {_imboë`m CÎnZmMo à_mU 0 0


C.E.O. Director


3 3

B) à{V H$_©Mmar ì`mdgm`(R>odr+H$O©) 214.11 143.98

B©) à{V H$_©Mmar Z\$m 1.78 0.89

12. EZ.nr.E. d Jw§VdUyH$ _Yrb KgmamgmR>r H$aÊ`mV Ambr VaVwX

EZ.nr.E. VaVwX 32.17 39.00

Jw§VdUyH$ _Yrb Kgmam VaVwX 30.81 42.06

13. Vmio~§X VmaIodarb VaVwXr _Yrb ~Xb (VwbZmË_H$) 31.3.2017 31.3.2018

A) EZ.nr.E. VaVwX 32.17 39.00

~) Jw§VdUyH$ _Yrb Kgmam VaVyX 30.81 42.06

H$) ñQ>±S>S>© A°goQ> VaVwX 9.02 10.45

14. {dXoer _wÐm g§nÎmr d Xo`Vm bmJw Zmhr bmJw Zmhr

15. {S>nm°{PQ> BÝewaÝg A°ÊS> H«o${S>Q> J°a§Q>r H$m°nm}aoeZ {d_m hám ^aUm

R>odrXmam§Zr ~±Ho$H$S>o R>odboë`m R>odr gX§^m©Vrb {d_m hßË`mMr aŠH$_

~±Ho$Zo {S>nm°{PQ> B§ewaÝg H$m°nm}aoeZH$S>o {Z`{_V nmR>{dbobr Amho.

~±Ho$Zo {S>nm°{PQ> B§ewaÝg H$m°nm}aoeZMm ghm_mhr {d_m hám

ê$. 348509.02/- {XZm§H$ 31.3.2018 AIoaMm _wXVrV

{X.07 E[àb 2018 amoOr ^aUm Ho$bobm Amho. nwT>rb {d_m hßË`mMr

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nmR>{dbm OmB©b.

Issuer composition of Non SLR Investment

Sr. Issuer Amount Extent of below Extent of Extent ofNo. Investment grade unrated unlisted

securities securities securities

1 Inv in LICNMFLF 233.26 -- -- --2 Shares with JDCC 0.053 Shares MSC 0.01 -- -- --

233.32

II Non Performing Non SLR Investments

Sr. No. Particulars Amount

1) Opening balance ---2) Additions during the year since 1st April 2016 ---3) Reductions during the above period ---4) closing Balance ---

Total provisions Held ---



3 4

Statment of Capital Funds, Risk AssetsExposures and Risk Asset Ratio

Rs. in Thousand

Part A Capital Fund and Risk Assots Ratio As on 3.3.018

Capital Funds Amount

1 A Tier I Capital Elementsa) Paids up capital

Less intangible assets and Lossess 202.66Total 202.66

b) Reserve and Surplus1) Stautory Reserve 92.352) Capital Reserve (See note below) i) Building Funds 63.203) Other Reserve4) surplus in P & L Account 14.09

Total 55.17

Total Capital Funds (A+B) 427.47

B) Tier II Capital Elementsi) Undisclosed Reserve (Standard Assets Pro) 10.45ii) Revaluation Reserve 24.12iii) General Provision and loss reserve II --iv) Investment Fluctuation Reserve / Fund 7.30v) Bank development fund 4.50

Total 46.37

Total (A+B) 473.84

2 Risk Assetsa) Adjusted value of funded risk assets i.e. on 3125.46

balance items (to tally with part 'B')b) Adjusted value of non-funded and off-balance 0.00

sheet items (to tally with part 'C') Fully Secured Agst. forc) Total Risk - Weghted Assets (a+b) 3125.46

3 Percentage of Capital Funds to risk - weighted 15.16assets I/Il x 100


3 5

STATUTORY AUDIT REPORT FOR THE YEAR 2017-2018(As required under section 31 on the Banking Regulation Act,1949 as applicable to co-operativesocieties read with section 81 (5) (b) of the Maharashtra State co operative societies Act.1960

and rule 69 Maharashtra Co- Operative Societies Rull1 )

To,The Shareholders ofPriyadarshaniNagariSahakari Bank Ltd, Jalna

Introduction :We have been appointed as the statutory auditors of PriyadarshaniNagariSahakari Bank Ltd, Jalnaforthe year 2017-18 by order No. PNB/H0/ /17-18/110 DATED : 29/09/2017Accordingly we havecompleted the audit work.Report on Financial Statements :We have conducted audit of the Head Office along with its 04 branches and audited the annexedBalance thereto These financial statements are the responsibility of the bank`s management. Ourresponsibility is to express an opinion on these financial statements based on our audit.Management`s Responsibility for the Financial StatementsThe Bank`s Management is responsible for the preparation of these financial statements that givea true and fair view of the financial position and financial performance of the bank in accordancewith the banking Regulation Act,1949 (As applicable to co-operative Societies), Accounting Stand-ards referred to in sub Section (2) of the section 81 of the Maharashtra Co-Operative Societies Act,1960 (``The Act``) and other applicable provisions of this act and in compliance with reserve Bankof India`s guidelines from time to time .This responsibility includes the design, implementation andmaintenance of internal control relevant to the preparation and presentation of the financial state-ments that give a true and fair view and are free from material misstatement, whether due to fraudor error.Auditor`s Responsibility :We have conducted our audit in accordance with the auditing practice generally accepted in India.These standards require that we plan and perform the audit to obtain reasonable assurance aboutwhether the financial statements are free from material misstatements .An audit includes examin-ing on test basis evidence supporting the amounts and disclosure in the financial statements .AnAudit also include assessing the accounting principle used and significant estimates made bymanagement as well as evaluating the overall financial statements presentation. We believe thatour audit provides a reasonable basis for our opinion.Opinion :In our opinion and to the best of our information and according to the explanations given to us, thesaid accounts together with the notes thereon give the information required by the Banking Regu-lation Act ,1949 (A.A.C.S.) as well as the Maharashtra Co-operative Societies Act 1960, in themanner so required for the bank and give a true and fair view in conformity with the accountingprinciples generally accepted in India except as reported in `Part A - Irregularities'' of this report.(i) In the case of the Balance Sheet, on the state of affairs of the bank as at 31st March 2018 ;(ii) In the case of the statements of profit and loss of the profit/loss for the year ended on that date.Report on Other Regulatory Requirements :1. The Balance sheet and profit & Loss Account have been drawn up in forms `A` and `B`

respectively of the Third Schedule to the Banking Regulation Act,1949, Subject to limitationof audit indicated in Para 1 and 2 above and as required by Banking Regulation act,1949and subject to our observation mentioned in part B & C below and the detailed remark in theBranch Audit Reports, they give the information as required to be given in accordance withThe provision of Maharashtra State Co-Operative Societies Act, 1960.


3 6

2. We have obtained all the information and explanation , which to the best of our Knowledgeand belief were necessary for the purpose of our audit.

3. In our opinion, proper books of accounts, subject to our remarks in the audit Reports ofBranches, as required by law have been kept by the bank do far as it appears from ourexamination of such books.

4. We Presumed that the computer entries/transactions are strictly accurate and working asper standard software language /program and having no internal defect. The bank will besolely responsible for any subsequent changes.

5. The returns received from the branches have generally been found adequate for the purposeof our audit.

6. The Balance Sheet and profit & Loss Account subject to our remarks in the part A,B & Cgiven below and audit report of Branches dealt with this report are agreement with the booksof account.

7. The Transaction of the Bank which have come to our notice have been with in the power ofthe bank except loan given above exposure limit to borrowers.

8. After Complying with the irregularities , Audit Compliance Report is to be submitted.9. Considering effects for all the items as stated in our report -Part A, B, & C the Profit of the

year 2017-18 will be follows.

Sr. No. Particulars Amount Amount

1 Profit as per Profit & Loss Account 5517376.18

2 Less :a) Reversal of Interest on NPA A/c -13642.00

c) Short Depreciation on Furniture & Fixture -35674.00

d) GST Payable (1197714 - 302000) which -895714.00 -945030.00 remitted on 21/05/2018

4 Profit after considering Audit Remarks 4572346.18

The Class Awarded to Bank for the financial year 2017-18 is ''A'' as per CAMELS Rating.

For M/s Nikhil Baheti& CoChartered AccountantsF.R.N.: 122242W

[C.A. NIKHIL K . BAHETI PROPRIETOR]Membership No.111332

Date : 07/06/2018Place : JALNA

BANK'S PROFILE AT A GLANCE


3 7

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To Increase Depositup to 80 Crore

From April 2018 to March 2019

Objective of year

Priyadarshani Nagari Sahakari BankLtd. Jalna

Give commitment toprovide Quality &

Satisfactory services toour Customers

Quality Objective

38


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