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(Multi State Scheduled Bank)

(ceequms Mes[egu[ kees-Dee@He. yeBke)

mebeeueke ceb[U
(meve 2014-15 les meve 2019-20)
DeOe#e GHeeOe#e
oeejece eeUkes meoevebo MeeveYeeie

mebeeueke
vejsMe leeJe[s Deefveue meJeeokej Meebleejece efoJeskej
meew. Deefoleer meeJeble DeefJeveeMe mejhejs eerceleer eqmcelee peeieg<s
ebMesKej meeJeble GcesMeeb "eketj eMeeble KeesHekej
mebpee KeeveefJeuekej efJekeemekegceej heeke ieesefJebo Iee[er
Jemeble peeOeJe ekeeMe Heeerue $e+ef<ekesMe leeJe[s

cegKe keee&keejer DeefOekeejer : ekeeMe keeW[tjkej, Sce.kee@ce., meerSDeeeDeeeyeer, Deee.meer.[yuet.S.(I)

ecegKe JeJemLeeheke
megjsMe ekneCe nsceble eEMeos jepeve neWyeeUkej,
Sce.kee@ce., peer.[er.meer. DeB[ S. yeer.S., Sce.Sue.Sme. yeer.S., Sue.Sue.yeer., peer.[er.meer. DeB[ S.

JewOeeefveke }sKee Heefj#eke : ces. mebpee jeCes DeB[ DemeesefmeSmed, ee&&[& DekeeTbbmed

Debleie&le }sKee Heefj#eke


ces. eEMeos, veeeke DeB[ DemeesefmeSmed, ces. DejefJebo Sme. kegUkeCeea DeB[ kebHeveer, ces. DejefJebo S. Heeerue DeB[ kebHeveer,
ee&&[& DekeeTbbmed ee&&[& DekeeTbbmed ee&&[& DekeeTbbmed
ces. YeeJemeej DeB[ kebHeveer, ces. kner. peer. efMebos DeB[ kebHeveer, ces. megOeerj [er. oeceues DeB[ kebHeveer,
ee&&[& DekeeTbbmed ee&&[& DekeeTbbmed ee&&[& DekeeTbbmed
ces. efveuesMe efMebos DeB[ DemeesefmeSmed, ces. eefleve DemeesefmeSmed, ces. Sve. Sme. Hegjesnerle DeB[ kebHeveer,
ee&&[& DekeeTbbmed ee&&[& DekeeTbbmed ee&&[& DekeeTbbmed

yeBkeme&
efjPekn& yeBke Dee@He Fbef[ee ms yeBke Dee@He Fbef[ee ceneje<^ ms kees-Dee@He. yeBke ef}.
cegbyeF& efpeune ceOeJeleea menkeejer yeBke ef}. meejmJele kees-Dee@He. yeBke ef}. Deee[eryeerDeee yeBke efue.
DeeemeerDeeemeerDeee yeBke ef}. keeske ceefnb yeBke efue. egefveeve yeBke Dee@He Fbef[ee
De@efkememe yeBke Se[erShemeer yeBke [ermeeryeer yeBke
yeBke Dee@He Fbef[ee

Dee@ef[ Jeie& De

1
(ceequms Mes[egu[ yeBke)

(ceequms Mes[egu[ kees-Dee@He. yeBke)


ceequms veeWoCeer e.MSCS/CR/816/2013 efo.29 Sefeue 2013.
veeWoCeer eceebke : yeer. Dees. Sce. yeer. Sve. kes. 107 meve 1968
veeWoCeer keeee&}e : 106-S, ieeseEJeopeer kesCeer jes[, veeeieebJe, cegbyeF& - 400 014.
kee@Heexjs Dee@efHeme : DeHevee yeBke YeJeve, [e@. Sme. Sme. jeJe jes[, Hejs}, cegbyeF& - 400 012.
otjOJeveer : 24164860/24104861/24104862/24114863 He@keme : 24104680
Email : apnabank@vsnl.com Website : www.apnabank.co.in

49 Jee Jeee|<eke meJe&meeOeejCe meYeseer metevee


(hekele meYeemeoebkejerlee)
DeHevee menkeejer yeBke ef}. ee meJe& meYeemeoebvee metevee osCeele esles keer, yeBkeseer SkeesCeHevveemeeJeer Jeee|<eke meJe&meeOeejCe meYee jefJeJeej, efoveebke 21 Dee@iem 2016
jespeer meeebkeeUer 4.00 Jeepelee cenelcee ieebOeer meYeeie=n, je<^ere efceue cepeotj mebIe, ieb. o. Deebyeskej ceeie&, Hejsue, cegbyeF& - 400 012 esLes Deeeesefpele kesueer Deens.
keecekeepeeeer efJe<ee meteer :
1. efoveebke 25 mehWyej 2015 jespeer Pee}suee 48 kee Jeee|<eke meJe&meeOeejCe meYesee FefleJe=eebleees Jeeeve kejCes.
2. DeOe#eere Yee<eCe.
3. efoveebke 31 ceee& 2016 jespeer mebHe}suee Deee|Leke Je<ee&ee yeBkesee 49 kee Jeee|<eke DenJee}eleer} JewOeeefveke }sKee Heefj#ekeebveer eceeefCele kes}s}s vehee-leese He$eke,
leeUsyebo DeeefCe mebee}ke ceb[Ueee DenJee} mJeerke=le kejCes.
4. mebee}ke ceb[Ueves efMeheejme kes}suee vekele veheeeee efJeYeeieCeerme cebpegjer osCes Je }eYeebMe peenerj kejCes.
5. meve 2015-16 ee JewOeeefveke }sKee Heefj#ekeebee DenJee}ees Jeeeve kejCes.
6. meve 2015-16 ee JewOeeefveke uesKee Heefj#eCe DenJeeueeee oes<e ogmleer DenJeeueeJej efJeeej kejCes Je mJeerke=le kejCes.
7. meve 2016-17 keefjlee JewOeeefveke uesKeeHeefj#eke cnCetve mebeeueke ceb[Ueves efMeheejme kesuesuee ces. efMebos veeeke De@v[ DemeesefmeSmed, ee&&[& DekeeTbbmed, cegbyeF&
eebee vesceCegkeerme ceevelee osCes Je leebes ceeveOeve "jefJeCeees DeefOekeej mebeeueke ceb[Ueme osCes.
8. Heesefveece ogmleerme ceevelee osCes.
9. Jeee|<eke meJe&meeOeejCe meYesme iewjnpej Demeuesuee meYeemeoebee jpesuee Heesefveece 8(a)(ii) vegmeej ceevelee osCes.
10. DeOe#eebee HejJeeveieerves esCeejs Flej efJe<ee. mebee}ke ceb[Ueee DeeosMeevegmeej

Hejsue, cegbyeF& - 400 012 ekeeMe keeW[tjkej


efoveebke : 04.08.2016 (cegKe keee&keejer DeefOekeejer)
metevee : ieCemebKesee DeYeeJeer meYee lenketye Peeueeme Jejer} meYee efveefele kes}suee peeieere meeebkeeUer 4.30 Jeepelee IesCeele esF&} Je Heesefveece e.29 (iii) vegmeej
lee meYesme ieCemebKeses yebOeve jenCeej veener.
cenJeeee metevee :
1. meYeemeoebvee Jeee|<eke vehee-leese He$eke, leeUsyeboeyeeyele ceeefnleer efJeeejeJeeeeer Demeueeme efo.16 Dee@iem 2016 Heele keeee&ueeerve JesUsle kee@Heexjs Dee@efhemeMeer
mebHeke& meeOeeJee.
2. meve 2015-16 ee Jeeef<e&ke DenJeeue meYeemeoebmee"er yeBkesee JesyemeeF&Jej, veeWoCeerke=le keeee&uee, kee@heexjs Dee@efheme Je MeeKeebceOes GheueyOe Deens.
3. meYeemeoebveer ke=Heee DeeHe}er DeesUKeHe$es meesyele DeeCeeJeerle. pee meYeemeoebveer DeeHe}er YeeieHe$ekes Je DeesUKeHe$es DeeeHe ves}er vemeleer} leebveer leer MesDej efJeYeeie,
DeHevee yeBke YeJeve, Heefn}e cepe}e, [e@. Sme. Sme. jeJe jes[, Hejs}, cegbyeF& - 400 012 esLetve keeee&ueeerve JesUsle IesTve peeJeerle.
4. pee meYeemeoebvee }eYeebMe DeeHeuee Keeleele pecee kejeJeeeee Demes} leebveer MesDej efJeYeeieeletve/MeeKesletve efJeefnle vecegveeleer} He$e eehle keve lJeefjle Hetle&lee kejeJeer.
5. pee meYeemeoebveer efo. 31 ceee& 2013 DeKesjHeeleee }eYeebMe Iesleuee vemeueeme Heesefveece e. 50 (iii) vegmeej iebieepeUer Keeleele pecee kejCeele esF&ue.
6. meJe& meYeemeoebme metefele kejCeele esles keer, leebee Heeeleer} yeo} eEkeJee veJeerve Heee yeBkesee MesDej efJeYeeieeMeer mebHeke& meeOetve }Jekejele }Jekej keUJeeJee.
meYesmee"er hekele meYeemeoebveee eJesMe efouee peeF&ue.

2
(Multi State Scheduled Bank)

mevceeveveere meYeemeo yebOet DeeefCe YeefieveeRvees,


DeHevee yeBkesee 49 kee Jeee|<eke meJe&meeOeejCe meYesceOes mebeeueke ceb[Ueee Jeleerves ceer DeeHeues nee|oke mJeeiele kejlees. meve 2015-16 ee Deee|Leke Je<ee&le
yeBkesves kesuesuee eieleeree DenJeeue, JewOeeefveke uesKee Heefj#ekeebveer eceeefCele kesuesuee leeUsyebo Je veHee-leese He$eke DeeHeuee meJe& mevceeveveere meYeemeoebmeceesj meeoj
kejleevee ceuee Deevebo nesle Deens.
yeBkesuee Mes[egu[ opee& efceUefJeCeemee"er yeNeee Je<ee&heemetve eelveMeerue neslees. ceuee Deeheueeuee meebieCeeme Deevebo neslees keer, 23 Dee@keesyej
2015 jespeer DeHevee yeBkesme Mes[egu[ yeBkesee opee& eehle Peeuee. leeeyejesyej iele Je<ee&leerue DeboepeHe$ekeele DeHevee yeBkesves "jefJeueeeceeCes ` 3000
keeser "sJeer Je ` 2000 keeser kepex DeeefCe SketCe keJemeee ` 5000 keeser ner leervener Gef<s DenJeeue Je<ee&le SkeeeJesUer yeBkesves HetCe& kesueer Deensle.
DenJeeuemeeueer yeBkesee SketCe JeJemeee ` 5154 keeser Peeuee.
DeeefLe&ke Je<e& 2015-16 ceOes Decesefjkeve DeLe&JeJemLesle hegvne Deeuesueer cejieU, eerveee DeLe&JeJemLesee ceboeJeuesuee Jesie, Iemejuesuee Keefvepe lesueeee
efkebceleer, efJekemeerle osMeeleerue eueveJee{eree $e+Ce oj, egjesheereve DeLe&JeJemLeses mebLeieleerves eeueuesues ceeie&eceCe, egjesheeleerue yeoueleer Yeewieesueerke jepekeere
heefjefmLeleer ee ieesercegUs peeieleerke lemese osMeebleie&le DeLe&JeJemLesle ceboer efometve Deeueer. osMeeleerue yeBefkebie #es$eele kepee&eer keceer Geue, "sJeerceOes keceer eceeCeele
Peeuesueer Jee{, Yeeb[Jeue yeepeejeleerue efvejeMeepeveke JeeleeJejCe, yeBkeebeer Jee{leer Lekeyeekeer, Jee{les {esyeU Je efveJJeU Deveglheeoerle kepe& DeeefCe leeJejerue lejlegoeRcegUs
keceer Peeuesuee vehee Jee cees"ee eceeCeele Peeuesuee leese. ee HeeMJe&YetceerJej DeHevee yeBkesves KeeueerueeceeCes meceeOeevekeejke keeceefiejer kesueer Deens.

DeHevee yeBkeseer eieleereer "Uke keeceefiejer


JeeJemeeefeke Guee{eueeree ` 5154 keeseree hhee heej.
"sJeer ` 3130.96 keeser (Jee{ 24.27%).
efMeuueke kepex ` 2023.04 keeser (Jee{ 16.70%).
efme[er jsMees 64.61%.
{esyeU vehee ` 33.68 keeser.
vekele cetue (NETWORTH) ` 269.46 keeser.
eefle kece&eejer keJemeee ` 7.50 keeser.
yeBkesee mJeefveOeer ` 384.16 keeser.
mJeefveOeer Hetjkelee (CRAR) 13.16%. (efjPekn& yeBkesee efveke<eevegmeej efkeceeve eceeCe 9%)
melele De Dee@ef[ Jeie&.
yeBkesee SketCe 65 MeeKee keee&jle.
ceesyeeF&ue yeBeEkeie megefJeOee.
DeejerpeerSme/SveF&Sheer (RTGS/NEFT) Les megefJeOee.
DeeOeej meueive yeele Keeles GIe[Ceeeer megefJeOee.
Heme&veueeF&pe eske yegke.
meererSme, Hes [sefye kee[& megefJeOee GHeueyOe.
cesiee yeBkej megefJeOee.
pevejue, SueDeeemeer DeeefCe Deejesie efJeceeeer kee@Heexjs Spevmeer.
hee@jskeme yeBeEkeie Debleie&le ADII HejJeevee.
kepe&oejebmee"er CLCSS, TUFS jepe mejkeejeer Fbjsm meyeefme[ereer megefJeOee.

3
(ceequms Mes[egu[ yeBke)

YeeieYeeb[Jeue (Share Capital) - efo. 31 ceee& 2016 jespeer yeBkeses Yeeb[Jeue Heee&hlelee iegCeesej/mJeefveOeer Hetjkelee (CRAR) - Yeeb[Jeue Heee&hlelee
YeeieYeeb[Jeue `104 keeser 65 ueeKe Peeues. ieleJe<eea les `100 keeser iegCeesllej eceeCe pesJe{s DeefOeke lesJe{er yeBke Deee|Leke<ee me#ece Deens Demes
45 ueeKe nesles. DenJeeue Je<ee&le YeeieYeeb[JeueeceOes ` 4 keeser 20 ueeKeeeer ceeveues peeles. efjPekn& yeBkesee efveke<eevegmeej ns iegCeesllej 9% Hes#ee peemle
Jee{ Peeueer Deens. (Jee{ 4.18%) DemeCes iejpeses Deens; lemese efjPekn& yeBkesves Deee|Leke<ee me#ece Je megeesie
mJeefveOeer (Own Funds) - yeBkeseer Deee|Leke me#ecelee efleee mJeefveOeerJej keJemLeeHeve (FSWMB) Demeuesuee menkeejer yeBkeebvee efouesuee efveoxMeele ns
DeJeuebyetve Demeles. efo.31 ceee& 2015 DeKesj mebHeuesuee Deee|Leke Je<ee&le yeBkesee eceeCe 10% ee Jej DemeCes DeeJeMeke Deens. yeBkeses 31 ceee& 2016 DeKesj
mJeefveOeer `285 keeser 95 ueeKe neslee. DenJeeue Je<ee&le leele ` 98 keeser ns eceeCe 13.16% Demetve ns meceeOeevekeejke Deens.
21 ueeKeebeer Jee{ nesTve efo.31 ceee& 2016 jespeer yeBkesee mJeefveOeer veHee (Profit) - yeBkesee MeeKeeefJemleejeceOes iele Je<ee&le 6 MeeKeebeer lej
`384 keeser 16 ueeKe Peeuee. DenJeeue Je<ee&le 9 MeeKeebeer Jee{ Peeueer. leecegUs meenefpekee Yee[s, mesJee kej,
KesUles Yeeb[Jeue (Working Capital) - yeBkesee KesUlee Yeeb[JeueeceOes ceneveiejHeeefuekee kej, Iemeeje, Jeerpe, veJeerve kece&eejer Heieej-Yelles ee Keee&le
meeleleeves nesCeejer Jee{ yeBkeseer Deee|Leke eieleer oMe&efJeles. efo. 31 ceee& 2016 ceeieerue Je<ee&ee leguevesle Jee{ Peeueer. Flej yeBkeebyejesyejee keepeojeee
jespeer mebHeuesuee DenJeeue Je<ee&le yeBkeses KesUles Yeeb[Jeue `3439 keeser mHeOexle efketve jenCeemee"er ieleJe<ee&le "sJeeres keepeoj e{s jeefnues. Je<ee&ee
67 ueeKe Peeues Deens. ieleJe<eea yeBkeses KesUles Yeeb[Jeue `2816 keeser 78 ueeKe Heefnuee meneceeefnle kepee&ceOes DeHes#eseceeCes Jee{ Peeueer veener. leeee HeefjCeece
nesles. Deee|Leke Je<ee&le KesUlee Yeeb[Jeueele ` 622 keeser 89 ueeKe Flekeer yeBkesee SketCe GlHevveeJej Peeuee. "sJeerJejerue mejemejer keepeoj
efJeeceer Jee{ Peeueer. (Jee{ 22.11%) 8.07 kekeeeJeve 7.93 kekes Flekee keceer Peeuee. ieleJe<eeaee DeefOeke
keepeojeee "sJeer ee Je<eeaee GllejeOee&le keceer Peeueeves Je "sJeerJejerue
iegbleJeCetke (Investments) - DenJeeue Je<ee&le "sJeJe=Ooeree Jesie ne
keepeoj Glejles jeefnues, lejerosKeerue "sJeerJejerue SketCe keepeeee Kee& DeHesef#ele
kepe&ceeieCeeree ojeHes#ee peemle neslee. efo.31 ceee& 2016 DeKesj yeBkeseer
eceeCeele keceer Peeuee veener, Hejbleg yeBkesves Mekee lesLes Kee& Je DeveglHeeefole
SketCe iegbleJeCetke `920 keeser 32 ueeKeeeer Peeueer Deens. iegbleJeCegkeerceOes
`81 keesereer Jee{ Peeueer. yeBkesuee efceUeuesuee Mes[egu[ opee&cegUs Je yeBkeseleer
kepee&Jej efveeb$eCe "sJeueeves {esyeU veHee `33 keeser 68 ueeKe Peeuee.
Demeuesuee efJeeemeecegUs menkeejer yeBkeebee "sJeeree DeesIe yeBkeske[s Deeueeves Je leeletve DeeJeMeke lee meJe& lejlegoer kesueecegUs yeBkesme `17 keeser 54 ueeKe
kepe&Jee{erme JeeJe ve efceUeueeves iegbleJeCegkeerceOes Jee{ Peeuesueer efomele Deens. efvekJeU veHee Peeuesuee Deens.
mejkeejer jesKeebee Kejsoer efJeeer keJenejeletve ` 4 keeser 4 ueeKe GlHevve ueeYeebMe (Dividend) - yeBkesee mLeeHevesHeemetve Deepeleeieeele meJe&
efceUeues. ieleJe<eea les ` 5 keeser 99 ueeKe nesles. Deee|Leke Je<ee&ee Heefnuee Jeeeeueerle meYeemeoebee cenJeHetCe& menYeeie Deens. Deee|Leke Je<ee&le veHee
meneceenerle mejkeejer jesKes Kejsoer efJeeeres Heejmes keJenej Peeues veenerle. #ecelesuee Deveske Deekneves efvecee&Ce Peeueer. "sJeeree keepeeJejerue Jee{lee Kee&,
leecegUs ieleJe<eeaee leguevesle cnCeeJeslemes GlHevve efceUeues veener; Hejbleg veblejee veJeerve MeeKeebee efJemleej, DeeOegefveke leb$e%eeveemeefnle [se Je Heee&eer [se meWj,
meneceenerle efjPekn& yeBkesves jsHeesjsceOes 1 kekeeeves Ie kesueeves Kejsoer ceesyeeF&ue yeBeEkeie, Fleeoermee"er ueeieCeeje Kee& Je yeBkesee YeefJe<eeleerue
efJeeeree keJenejele Jee{ nesTve GlHevveeceOes Jee{ Peeueer. yeBkesves eLecee
mLewee&ee efJeeej kejlee mebeeueke ceb[Ueves DenJeeue meeueekejerlee
cegegDeue Heb[eceOes ojjespeee Deefleefjkele efveOeereer iegbleJeCetke kejCeeme
10% ueeYeebMeeeer efMeHeejme kesueer Deens. DenJeeuemeeueer ueeYeebMeeeer SketCe
megJeele kesueeves yeBkesee GlHevveele Jee{ Peeueer. cegegDeue Heb[eletve `2 keeser
jkekece `10 keeser 15 ueeKe nesF&ue.
GlHevve efceUeues. Demes SketCe Kejsoer efJeeeree keJenejeletve ` 6 keeser
04 ueeKe GlHevve efceUeues. iegbleJeCetke efveOeereer iegbleJeCetke yeBeEkeie efveeb$eCe veHee efJeYeeieCeer (Appropriation) - efnMesye He$ekeeleerue kej lejlegoer,
keeeoe 1949 ee keuece 18 Je 42 ceOeerue lejlegoer Je efjPekn& yeBkesves DekeeTbeEie mB[[& 22 (DesSme 22) eceeCes kejekee ueeieleele. ceeieerue Je<ee&ee
JesUesJesUer efouesuee ceeie&oMe&ke meteveebvee DeefOeve jentve kesueer Deens, lemese meJe& efMeuueke veHee pecesme Oejlee DenJeeue Je<ee&le SketCe `18 keeser 70 ueeKe SJe{e
iegbleJeCegkeeRes efleceener uesKee Heefj#eCe keve meoj iegbleJeCetke efjPekn& yeBkesee veHee efJeYeeieCeermee"er GHeueyOe Peeuesuee Deens. mebeeueke ceb[U het{erueeceeCes
efveeceevegmeej Demeueeeer eceeCeHe$es meveoer uesKeeHeeueeves efouesueer Deensle. veHee efJeYeeieCeereer efMeHeejme DeeHeuee cebpegjermee"er kejerle Deens.

4
(Multi State Scheduled Bank)

(`)
ceeefieue Je<ee&ee efMeuueke veHee 1,15,77,120.40
DeefOeke eeuet Je<ee&ee veHee 17,54,35,376.91
veHee efJeYeeieCeermee"er GHeueyOe veHee 18,70,12,497.31
Jepee :
iebieepeUer (25%) 4,67,53,125.00
Deekeeqmcele efveOeer (10%) 1,87,01,500.00
efMe#eCe efveOeer (1%) 18,70,125.00
FvknsmceW heuekeegSMeve efjPekn& 64,87,000.00
}eYeebMe (10% eLeeeceeCes) 10,15,02,530.00
mebMeefele yeg[erle kepe& efveOeer (yeer[er[erDeej) 74,00,000.00
peeekeeMe veejeeCe meeceeefpeke ke=le%elee efveOeer 4,00,000.00
meYeemeo keueeCe efveOeer 4,00,000.00
kece&eejer keueeCe efveOeer 4,00,000.00
megJeCe& ceneslmeJe heb[ 30,00,000.00
efMeuueke vehee Heg{erue Je<ee&keefjlee 98,217.31
SketCe 18,70,12,497.31

"sJeer (Deposits) - efjPekn& yeBkesves DeeHeuee efceener Deee|Leke OeesjCeele Peeueeves Je osMemlejeJejerue Jee{lee SveHeerSes eceeCe ee meJe& iees<eRcegUs
jsHeesjsceOes meeleleeves yeoue kesueeves "sJeer Je kepee&Jejerue keepeojeee Dee{eJee kepe&Jee{eree Jesie KetHee ceboeJeuee. yeBkeebleerue keepeojeleerue mHeOee& ue#eele IesTve
IesTve "sJeerJejerue keepeojele DeeJeMekelesvegmeej yeoue kesues. ieenkeebvee me#ece Je GlHeeoke ieenke efceUefJeCeeee eelve kesuee. 31 ceee& 2016
Deekee|<ele kejCeemee"er ieCesMeeslmeJeeefveefcelle 12 ceefnveebee keeueeJeOeer- DeKesjerme kepee&ceOes `289 keeser 57 ueeKe Jee{ Peeueer (Jee{ 16.70%)
keefjlee 9.75% keepeojeeer cebieuecetleea "sJe DeeefCe keemee Keeleer kepee&le Peeuesueer Jee{ meceeOeevekeejke cnCeeJeer ueeiesue. 31 ceee& 2016
Jee{efJeCeemee"er efJeMes<e "sJe DeefYeeeve ee eespevee jeyeefJeCeele Deeuee. DeKesj yeBkeseer SketCe efMeuueke kepex `2023 keeser 04 ueeKe Deensle. DenJeeue
efo.23 Dee@keesyej 2015 jespeer yeBkesuee Mes[egu[ opee& eehle Peeuee, leecegUs Je<ee&le ` 670keeser 43 ueeKeebeer kepex efJeleefjle kejCeele Deeueer. yeBkesee
vee@ve Mes[egu[ yeBkesee "sJeer DeeHeuee yeBkesee Deee|Leke me#ecelescegUs Deekee|<ele efme[er jsMees 64.61% Deens. ieleJe<eea lees 68.80% neslee.
Peeuee Je "sJeer Je=Ooerme ieleer Deeueer. "sJeerJejerue Deeke<e&ke Je DeefOeke mesJee megefJeOee (Facilities) :
keepeojecegUs yeele "sJeer cegole "sJeerceOes JeUlee Peeueeves leeee HeefjCeece
DeeOegefveke leb$e%eeve - ieenkeebee efJeefJeOe iejpeebee Hegle&lesmee"er Gllece eenke
yeBkesee keemee ef[Hee@efPeJej Peeuee. keemee ef[Hee@efPees eceeCe mesJee Je eenkeebes meceeOeeve ee oesve leJeebJej DeeeeJele leb$e%eeveeee JeeHej
Jee{efJeCeekeefjlee mebeeueke ceb[Ueves DeeKeuesuee OeesjCeecegUs yeBkesee keemee keve megOeeefjle yeBeEkeie mesJee osCeeeer HejbHeje yeBkesves keeece "sJeueer Deens.
KeeleebceOes 44197 Keeleebeer Jee{ Peeueer. DeMeeekeejs Deee|Leke Je<ee&le SketCe Deee|Leke Je<ee&le Heee&eer [se meWj keesuneHetj esLes mLeueebleefjle kejCeele
"sJeeRceOes `611 keeser 44 ueeKeebeer Jee{ nesTve 31 ceee& 2016 DeKesj "sJeer Deeues. yeBeEkeie #es$eeleerue mesJeebceOes megOeejCee kejCeeee <erves [se meWj
` 3130 keeser 96 ueeKe Peeuee. ieleJe<eeaee leguevesle ner Jee{ 24.27% DeeeeJele kejCeeeer eefeee meg Deens.
Peeueer Deens. meve 2015-16 ee Deee|Leke Je<ee&le yeBeEkeie #es$eeleerue Jeee|<eke "sJe
ef[efpeue skevee@uee@peer leb$e%eeveecegUs meJe&meeceeveebee peerJeve MewueerceOes
Jee{eree 9.9% Jesie Heenlee DeeHeuee yeBkeseer ieleJe<ee&ee leguevesle Peeuesueer
Deecetueeie yeoue nesle Deens. ee leb$e%eeveecegUs ECS, RTGS, NEFT, NACH,
24.27 % Jee{ efveeqMelee meceeOeevekeejke Deens.
RuPay Debit Card, MOBILE BANKING ee mesJee DeefOeke eenkeeefYecegKe
kepe&s (Loans & Advances) - iele Je<e& kepe&Jee{ermee"er efpeefkejeres nesles. Peeuee. eecegUs eenke HetJeeaHes#ee DeefOeke ceesyeeF&ue Peeuee Demetve leebvee yeBeEkeie
Deee|Leke ceboer, Jee{leer ceneieeF&, Geesie keJemeeeele veJeerve iegbleJeCetke ve mesJee nJeer leskne leebee efveJe[ervegmeej nkee lee ef"keeCeer efceUCeeeer DeHes#ee

5
(ceequms Mes[egu[ yeBke)

lees ke ueeieuee. DeHevee yeBkesves leebeer ner iejpe DeesUKetve Hes [sefye kee[& pevejue FvMegjvmemee"er Bajaj Allianz General Insurance Co.Ltd.,
(RuPay Debit Card) ejs Yeejleeleerue meJe& ATM, POS Je E-Commerce Future Generali India Insurance Co.,Je nsuLemee"er Religare DeMee
ejs yeBkesee eenkeebvee HesceW iesJes GHeueyOe keve efoues. eeHeg{s yeBke ceesyeeF&ue mene kebHeveebyejesyej kejej kesuee Deens.
yeBeEkeieceOes DeefOeke megOeejCee keve Fbjves yeBeEkeie Je UPI (Unified Hejkeere eueve keJenej (FOREX BANKING) - ieleJe<eea efjPekn& yeBkeske[tve
payment Interface) ee mesJee eenkeebvee GHeueyOe keve osF&ue.
efJeosMeer eueve keJemeee HejJeevee (AD II) efceUeuee. ee keJemeeeemee"er mJeleb$e
NPCI ves 2016 ceOes UPI eCeeueer yeepeejele DeeCeueer. meOee ner eCeeueer efJeosMeer efJeefvecee efJeYeeie oeoj esLes meg Deens. Deeeele efveee&le, yeBke ie@jber,
kesJeU yeBeEkeie keJenejemee"er, lej keener keeueeJeOeerveblej yeBkeslej Deoeeieer Sue. meer., Heesm efMeHeceW, yeeeme& esef[, kejvmeer De@v[ ^eknueme&, jseEcebvme
keJenejemee"er Kegueer nesF&ue. ee eCeeueercegUs jesKeeres keJenej PeHeeeeves keceer eskemed, ceuer kejvmeer kee[& ee ceeOeceeletve `242 keeser 83 ueeKeeee
nesleerue. yeBkeslej jesKeeree keJenej eenkeebke[tve Jemlet Kejsoer kesueeveblej Hescesb keJenej Peeuee Je ee ceeOeceeletve `190.35 ueeKeees GlHevve eehle Peeues.
mJeHeele nesleele. meOee 98% keeHeeNeebke[s POS e|ceveume Deensle. mJeleb$e efJeYeeie mLeeHeueecegUs Hejkeere eueve keJenejeuee eeuevee efceUeueer
YeefJe<eele eele Jee{ nesF&ue; Hejbleg ee eCeeueeree JeeHej kesueeme eenkeebvee nkee Demetve efceUCeeNee GlHevveele YejerJe Jee{ eeJe<eea Peeueer.
leeJesUer nkee lee ef"keeCeer yeBke keJenej kejlee esleerue Je JesUseer yeele CIBIL/CERSAI meomelJe - yeBkesves CIBIL es meomelJe Iesleues Deens.
nesFbue. megjef#elelesee <erves eeejs HesceW kejleevee yeBke Keeleeee GuuesKe ve pesCeskeve kepe&oejeeer Hele Je ceeefnleer efceUefJeCeemee"er GHeeesie neslees; eeJe<eea
kejlee eenkeebvee Fcesueee meneeeves keJenej kejlee esleerue. mcee& Heesve leecegUs kepe& cebpegjermee"er DeefOeke eYeeJeer efveCe&e IesCes Mekee Peeues Deens. yeBkesves
DemeCeeNee Je vemeCeeNee oesIeebveener ner eCeeueer GHeueyOe nesTve ee mesJesee JeeHej vegkeleere CERSAI eer ceWyejMeerHener Iesleueer Deens. yeBkesves cebpetj kesuesuee
efveceMenjer lemese eeceerCe Yeeieeleerue eenke ke Mekesue. kepee&ee ceeuecellesJej yeBkesee yeespee e{efJeCeeeer veeWo Je leeeer He[leeUCeereer
ISO 27001 megjef#elelee eceeCeHe$e - ojJe<eea yeBke ISO 27001-2013 ns Ge eefeee meg Peeueer Deens. HeefjCeeceer kepe& efJelejCeele nesCeejer peesKeerce eUlee
eleeres ceeveebkeve vegleveerkejCe kejCeemee"er eelveMeerue Demeles. yeBkesuee esF&ue.
ISO 27001-2013 leb$e%eeve megj#ee eceeCeHe$e eehle Peeues Deens. eeJe<eeaner CRISIL ceeveebkeve - yeBkesme CRISIL es ceeveebkeve eehle Peeues Deens. ojJe<eea
megj#ee eceeCeHe$eees vegleveerkejCe Peeues Deens. eees vegleveerkejCe keve IeeJes ueeieles. yeBkesves leees JesUesJesUer vegleveerkejCe
He@ve kee[& megefJeOee (PAN Card) - meOee keesCeleener Deee|Leke keJenej keve Iesleues Deens.
kejCeekeefjlee He@ve kee[& DemeCes DeeJeMeke Deens. meoj megefJeOee egerDeeeejs mebeeueke ceb[U Je meefcelee - keee&keejer meefceleer, kepe& Depe& efeefkelmee
osCeele esles. DeeHeuee yeBkesee meJe& MeeKeebceOes ner megefJeOee GHeueyOe kesuesueer meefceleer, kepe& Jemegueer meefceleer Je Dee@ef[ meefceleer ee efJeefJeOe meefceleebleerue
Deens. ee mesJesee 3561 eenkeebveer ueeYe Iesleuee. keecekeepeele mebeeueke ceb[U menYeeie IesTve yeBkesee meJeeieerCe eieleer Je
cegebke efJeeer megefJeOee (FRANKING) - yeBkesee kee@Heexjs Dee@efHemeceOes efJekeemeemee"er cenJeHetCe& eesieoeve kejerle Deens. mebeeueke ceb[Ueee
omleSsJepe HeBeEkeie megefJeOee GHeueyOe Demetve ee ceeOeceeletve yeBkesme GlHevve DeYeemeHetCe& menYeeieeves yeBkesee meJeeieerCe eieleermee"er JesUesJesUer Deetke Je
efceUles. meOee Meemeveeves ` 5000 Heele omleSsJepe HeBeEkeie kejCeeee lJeefjle efveCe&e Iesleues peeleele. DenJeeue meeueele mebeeueke ceb[Ueee SketCe 16
ceee&oe IeeleueecegUs eeletve efceUCeeNee GlHevveeJej HeefjCeece Peeuee Deens. meYee Peeuee. GHeeqmLeleeres eceeCe 95% Deens.
lejerner eenkeebee meeseermee"er ner megefJeOee DeeHeCe meg "sJeuesueer Deens. mebeeueke Je leebee veelesJeeF&keebvee cebpetj kesuesueer kepex - mebeeueke ceb[U
peerJeve, meJe&meeOeejCe DeeefCe Deejesie efJecee - yeBkesves oeoj (He.) esLes mJeleb$e meome, leebes veelesJeeF&ke Je HeoeefOekeejer Demeuesuee mebmLee eebvee yeBkesceeHe&le
efJeYeeie meg keve ueeF&He FvMegjvme kee@HeexjsMeve Dee@He Fbef[ee (LIC) Je yepeepe cebpetj kejeJeeeee kepee&Jej efjPekn& yeBkeses efveyeOe DemeueecegUs Deee|Leke Je<ee&le
Deueeevme ceeHe&le peerJeve Je meJe&meeOeejCe efJecee keJemeee meg kesuee neslee. DeMeer keesCeleerner veJeerve kepex efoueer/cebpetj kesuesueer veenerle; Hejbleg HebeJeee|<eke
DenJeeue meeueele yeBkesves ee ceeOeceeletve ` 61.11 ueeKe keefceMeve efceUefJeues efveJe[CegkeerceOes efveJe[tve Deeuesuee mebeeuekeebveer efveJe[CegkeerHetJeea Iesleuesueer kepex
Deens. ieleJe<eea les ` 39.64 ueeKe nesles. eOeeveceb$eer peerJeve megj#ee Je eOeeveceb$eer efo.31 ceee& 2016 DeKesj esCes jkekece Heeve e. 28 Jej oeKeefJeCeele
peerJeve peesle eespevee keW mejkeejves cegoleJee{ efoueecegUs yeBkesves eeJe<eeaner ee Deeuesueer Deensle.
mesJee jeyeefJeuee. ee ceeOeceeletve keemee ef[Hee@efPeceOes Jee{ nesCeeme ceole DeefYeveboveemHeo keeceefiejer - DenJeeue Je<ee&le DeHevee yeBkesme efJeefJeOe mebmLeebveer
Peeueer. eeJe<eea peerJeve efJeceemee"er Life Insurance Corporation Of.India., Hegjmkeej osTve ieewjefJeues. yeBkesves meueie eflemeNee Je<eea yeBkees Hegjmkeej
Max Life Insurance Co.Ltd., Je HDFC Life Insurance Co.Ltd., (Banco Award 2015) HekeeJeuee. eeHetJeea meve 2013, meve 2014 DeeefCe

6
(Multi State Scheduled Bank)

Deelee meve 2015 ceOes Deee|Leke efveke<e Je me#ecelesee HeefjceeCeeJej efouee mebeeueke ceb[Ueuee osCeeeer efMeHeejme kejCeele Deeueer Deens. leeme DeeHeCe
peeCeeje ne Hegjmkeej yeBkesves HekeeJeuee. eeee Yeke meceejbYe ieesJee esLes Heej cebpegjer eeJeer, ner efJevebleer.
He[uee. yeBeEkeie ebefDeme& SHemeeryeerS eebeeleHex yesm SerSce FefveefMeSerkn Debleie&le uesKeeHeefj#eCe - yeBkesves meve 2015-16 keefjlee Debleie&le
yeBke (Banking Frontiers 2015 FCBA Awarded for Best ATM uesKeeHeefj#eCeees cegKe keece kejCeemee"er ces. efMebos, veeeke DeB[
Initiative) cnCetve yeBkesuee ieewjefJeCeele Deeues. eecegUs yeBkesves DeleeOegefveke DemeesefmeSmed, ee&[& DekeeTbbmed eebeer vesceCetke kesueer nesleer. leebveer Debleie&le
leb$e%eeveeeer Oejuesueer keeme eesie Demeueees DeOeesjsKeerle Peeues. yeBke DeeHeuee uesKeeHeefj#eCeees keece HetCe& keve DenJeeue meeoj kesuee Deens.
keee&HeOoleerle efoJemeWefoJeme DeefOekeeefOeke keeJemeeefekelee DeeCele Deens.
GHeefJeOeer ogmleer - mebeeueke ceb[UeceOeerue efkejkeesU efjkele peeiee
ueeskecele ee Je=llemecetneee Jeleerves kee@Heexjs Skemeuevme Fve HeeeveeeqvMeDeue
YejCeemebyebOeeree GHeefJeOeer e.31(b)(vi) Je mebeeueke ceb[UeJej kece&eejer
meeqkn&mesme DeJee@[& (Corporate Excellance In Financial Services
eefleefveOeer eqmJeke=le kejCee-mebyebOeeree e.31(b)(iv) ogmleeree "jeJe cee
Award) ne Hegjmkeej osTve ieewjefJeCeele Deeues. yeerSHeSmeDeee - SyeerHeer vetpe
efveyebOeke, keW mejkeej eebeeke[s Hee"efJeuee neslee. meoj emleeJe veecebpetj
(BFSI - ABP NEWS) eebee Jeleerves Glke=< menkeejer yeBke Hegjmkeej
Peeuee. yeBkeses meYeemeo efJeefJeOe keejCeemee"er meYeemeolJeeee jepeerveecee osleele
(Best Co-opertive Bank) osTve ieewjefJeCeele Deeues, lej yeBkesee ee
Je Yeeie jkeceseer ceeieCeer kejleele; Hejbleg Heesefveece e.9 vegmeej meYeemeolJe
me#eceleseer oKeue IesTve yeBkesuee Mes[egu[ opee& efceUeueeyeue efo ceneje<^
efceUeueeHemetve 5 Je<ex HetCe& PeeueeefMeJeee meYeemeoeme Yeeie jkekece ce=let
Deye&ve kees-Dee@He. yeBkemed Hes[jsMeve efue. eebee leHex efJeMes<e Hegjmkeej osTve
keefleefjkele Hejle kejlee esle veener. meOeeee mHeOexle kepe&oej Skee yeBkesletve
ieewjefJeCeele Deeues. efJeMes<e Deeveboeeer yeeye cnCepes yeBeEkeie ebefDeme& SHemeeryeerS
kepee&mee"er ogmeNee yeBkesle peeleele Je meYeemeolJeeee jepeerveecee osleele DeeefCe
eebeeleHex Deee|Leke<ee me#ece Je cees"ee menkeejer yeBkeebceOetve osCeele
Yeeie jkeceseer ceeieCeer kejleele; lemese kepex efveuexKeerle kesueeme Yeeie Yeeb[Jeue
esCeeje yesm esDejceveee Hegjmkeej DeHevee menkeejer yeBkesee DeOe#eebvee
kepee&le JeUles kejCeele De[eCeer esleele; eemee"er yeBkeses Heesefveece e.9
eehle Peeuee.
ceOes yeoue kejCeekeefjlee Jeee|<eke meJe&meeOeejCe meYesceOes efMeHeejme kejerle
yeBkeses mebeeueke eer. efJekeeme Heeke eebeer Yeejleere Keee efveiece kece&eejer Deenesle, eeme cebpetjer eeJeer, ner efJevebleer.
mebIe (HeeqMece efJeYeeie), efouueer ee DeemLeeHevesee DeOe#eHeoer efveJe[ Peeueer;
kece&eejer menYeeie Je ceveg<eyeU efJekeeme - ceveg<eyeU ns yeBkesee
lemese Yeejleere Keeeefveiece, efouueer eebee ee@eqkn[b ^m egefveevees
pe[CeIe[Ceerle veHee #ecelee, mLewe&, keee&#ecelee eemee"er Deleble cenJeeeer
eefleefveOeer cnCetvener leebeer vesceCetke Peeueer Deens.
Yetefcekee yepeeJeles. ceveg<eyeU efJekeeme efJeYeeie eekeefjlee meeleleeves
IeekeesHej (HetJe&) MeeKeses meefceleer meome eer. Mejo Heeke eebeer efMeJeepeer eefMe#eCeeee ceeOeceeletve kece&eeNeebeer keee&#ecelee Jee{efJeCeemee"er eelve
efMe#eCe mebmLesee mejefeCeermeHeoer efveegkeleer Peeueer. kejerle Demelees. yeBke melele kece&eejer eefMe#eCeeJej Yej osle Demeles Je veJeerve Je
eleer#ee veiej MeeKeses meefceleer meome Je DeHevee HeefjJeejees meome eer. megneme pegvee kece&eeNeebceOes mecevJee meeOetve yeBkesee efJekeemeemee"er leebee kemee
yeves eebeer cegbyeF& menkeej yees[e&ee ceeveo meefeJeHeoer efveJe[ Peeueer. GHeeesie keve Ieslee esF&ue eekeefjlee eelve kejerle Demeles.

DeHevee yeBkesleHex ee meJeees ceve:HetJe&ke DeefYevebove Je yeBkesme efceUeuesuee efJeefJeOe eefMe#eCe ne ceveg<eyeU megOeejCesleerue DeefJeYeepe Ieke mecepeuee peelees.
Hegjmkeejebyeue mevceeveveere meYeemeoebes ceve:HetJe&ke DeeYeej. kece&eeNeebceOeerue keee&#ecelee DeeefCe keewMeue DeefOeke Jee{efJeCeemee"er
meeleleeves eefMe#eCe efoues peeles. pesCeskeve kece&eeNeebee GlHeeoke #ecelesceOes
uesKee Heefj#eCe :
Jee{ nesF&ue. meJe&ekeejes eefMe#eCe yeBkesee kee@Heexjs Dee@efHemeceOes eefMe#eCe
JewOeeefveke uesKee Heefj#eCe - JewOeeefveke uesKee Heefj#ekeebeer vesceCetke kejCeees keWele efoues peeles. DenJeeue Je<ee&le yeBkesves Jewkegb" cesnlee je<^ere menkeejer eyebOe
DeefOekeej mebmLesee Jeee|<eke meJe&meeOeejCe meYesuee osCeele Deeuesues Deensle. mebmLeeve, HegCes ee eefMe#eCe osCeeNee mebmLesceOes DeefOekeejer Je kece&eeNeebes
DeeHeuee yeBkesee Jeee|<eke meJe&meeOeejCe meYesle meve 2015-16 ee Deee|Leke veeceebkeve kesues. DenJeeue Je<ee&le 665 eefMe#eCeeLeeavee eefMe#eCe osCeele Deeues.
Je<ee&keefjlee JewOeeefveke uesKee Heefj#eke cnCetve ces mebpee jeCes DeB[ DemeesefmeSmed, yeBkesuee Mes[egu[ opee& efceUeueeveblej yeBke DeefOekeeefOeke keee&#ece kejCeeee
ee&[& DekeeTbbmed eebeer efveegkeleer kesueer nesleer. leevegmeej DeeHeuee yeBkeses <erves ee Deee|Leke Je<ee&le cegKe keee&keejer DeefOekeeNeebkeefleefjkele 3 ecegKe
uesKee Heefj#eCeees keece efouesuee JesUsle HetCe& keve DeeHeuee DenJeeue meeoj kesuee keJemLeeHeke, 1 GHe ecegKe keJemLeeHeke, 13 meneeke ecegKe keJemLeeHeke Je
Demetve leebveer DeeHeuee yeBkesme De Dee@ef[ Jeie& efouee Deens. 17 Jeefj<" keJemLeeHeke Demee 35 peCeebee keee&keejer mebIe (Management
meve 2016-17 ee Deee|Leke Je<ee&keefjlee ces. efMebos, veeeke DeB[ DemeesefmeSmed, Team) efvecee&Ce kejCeele Deeuee Deens. ee yeoueeee yeBkesee keJenej
ee&[& DekeeTbbmed eebeer vesceCetke Je leebeer Heer "jefJeCeees DeefOekeej #ecelesceOes Jee{ nesCeekeefjlee efveeqMelee GHeeesie nesF&ue.

7
(ceequms Mes[egu[ yeBke)

meeceeefpeke yeebefOeuekeer - meeceeefpeke yeebefOeuekeereer peeCe "sJetve yeBke ojJe<eea yeBkesves meve 2015-16 ee Je<ee&keefjlee 15 MeeKeebmee"er emleeJe meeoj kesuee
meeceeefpeke, Mew#eefCeke, DeejesiemesJee DeeefCe eer[e #es$eele keee&jle DemeCeeNee neslee. yeBkeseer Yekekece Deee|Leke eqmLeleer Heenlee efjPekn& yeBke Dee@He Fbef[eeves
mebmLeebvee Deee|Leke ceole osle Demeles. yeBkesves ner HejbHeje DenJeeue Je<eeaner keeece DeeHeuee yeBkesuee keeUeeewkeer, Jeebs, veeueemeesHeeje, veJeer cegbyeF&, JeebieCeer, GueJee,
jeKeueer Deens. kepe&le, efMeUHeee-keueeCe, HegCes, ce[ieebJe-ieesJee, jlveeefiejer, Kes[-jlveeefiejer,
FmueeceHetj-meebieueer, keje[ Je meeleeje ee veJeerve MeeKee GIe[Ceeme HejJeeveieer
Meget<ee ne@eqmHeueyejesyej kejej - iele Jeee|<eke meJe&meeOeejCe meYesceOes cebpetj
efoueer Demetve meoj MeeKee ueJekeje keeee&eqvJele nesleerue, lemese esLes veceto
kesueeeceeCes yeBkesves Megeg<ee efmeerPevme kees-Dee@He.ne@eqmHeue, oeoj eebes yejesyej
kejCeeme Deevebo neslees keer, yeBkesves meve 2016-17 ee Je<ee&keefjlee 5
yeBkesee meYeemeoebvee Jewekeere eeeCee Je Jewekeere Keee&le efJeMes<e meJeuele
MeeKeebee emleeJe efjPekn& yeBkeske[s meeoj kesuee neslee. meoj emleeJe efjPekn&
efceUCeeyeeyeleee kejej efo. 30 Dee@keesyej 2015 jespeer kejCeele Deeuee.
yeBkesves ceeve keve Heuetme (efpe.meebieueer), HeeueIej, DebOesjer (HetJe&), yeesefjJeueer
oesve menkeejer mebmLeebceOes DeMeeekeejs nesCeeje kejej ner menkeejer
(He), efeHeUtCe (efpe jlveeefiejer) ee ef"keeCeer MeeKee GIe[Ceeme HejJeeveieer
eUJeUermee"er JewefMe<e "juesueer yeeye Deens. meYeemeoebvee efJevebleer Deens keer,
efouesueer Deens. eecegUs veefpekeee keeUele DeHevee yeBkesee MeeKee efJemleej 85
DeeHeCe eeee peeeqmlele peemle Heeeoe IeeJee.
MeeKeebee nesF&ue.
MeeKee efJemleej - DenJeeue Je<ee&le yeBkesves efoJee, oefnmej, Gunemeveiej, DenJeeue Je<ee&leerue meesnUs - meYeemeo / kece&eejer Heeue Mew#eefCeke eeJeerCe
keesHejKewjeCes, eWyetj, IeekeesHej (He.), ceguegb[ (He.), Ssjesueer, ieesjsieebJe (He.) esLes yeef#emes Je meJeexlke=< MeeKee Hegjmkeej meceejbYe - yeBkesee Mew#eefCeke iegCeJellee
MeeKee meg kesuee. ee meJe& MeeKeebes GodIeeve DeOe#e cee. oeejece eeUkes efceUefJeCeeNee meYeemeo / kece&eejer Heeueebee iegCeieewjJe meceejbYe efo.13
eebee MegYenmles Peeues. eeemebieer GHeeOe#e eer. meoevebo MeeveYeeie, meerF&Dees ef[meWyej 2015 jespeer oeceesoj ne@ue, Hejsue esLes mebHevve Peeuee. ee meceejbYeeme
eer. ekeeMe keeW[tjkej, ceeveJej mebeeueke Deeoer GHeeqmLele nesles. ecegKe HeengCes cnCetve Meget<ee efmeefPevme kees-Dee@He.ne@eqmHeuees DeOe#e
oefnmej esLeerue yeBkesee 58 kee MeeKeses GodIeeve efo.16 Dee@keesyej, 2015 HeeYet<eCe cee. [e@. vebot uee[ Je megeefmeOo DeLe&le%e, meeefneqleke Je pes<"
jespeer mLeeefveke keeHeejer cee. HegKejepe pewve Je cee. ceneJeerj pewve eebee ecegKe efJeeejJeble cee. eer. nsceble osmeeF& ns GHeeqmLele nesles. meceejbYeeee DeOe#emLeeveer
GHeeqmLeleerle Peeues. yeBkeses DeOe#e cee. eer. oeejece eeUkes nesles.
yeBkesee 59 kee Gunemeveiej MeeKeses GodIeeve efo.20 Dee@keesyej, 2015 mvesneslmeJe - yeBkesee mesJesle 25 Je<ex HetCe& Peeuesuee kece&eeNeebee meHeeqlveke
jespeer mLeeefveke eefle<"erle cee. jepetYeeF& JeeOeJee Je cee. oerHeke JeeOeJee eebee eLeesefele melkeej Je meve 2014-15 meeueer Glke=< Deee|Leke keeceefiejer
ecegKe GHeeqmLeleerle Peeues. kejCeeNee MeeKeebee ieewjJe eeefveefcelle Hejsue esLeerue oeceesoj ne@ue esLes efo.9
peevesJeejer 2016 jespeer yeBkesves mvesneslmeJe ee keee&eceees Deeeespeve kesues
yeBkesee 60, 61 Je 62 kee Devegeces keesHejKewjeCes, eWyetj, IeekeesHej (He.)
nesles. meve 2014-15 ee Je<ee&keefjlee Glke=< MeeKee cnCetve De ieeletve
ee MeeKeebes GodIeeve efo.20 ef[meWyej 2015 jespeer Peeues. keesHejKewjeCes
DebOesjer, ye ieeletve eleer#eeveiej, ke ieeletve cneHemee (ieesJee) ee MeeKeebvee
MeeKesee GodIeeveemebieer cee. censWYeeF& Meen Deeoer ceeveJej GHeeqmLele nesles. Hegjmkeej osTve ieewjefJeCeele Deeues. eeemebieer JeeeJe=boeesner Deeeespeve kesues
eWyetj MeeKeses GodIeeve eWyetj veeiejer menkeejer yeBkeses DeOe#e cee. peer. Deej. nesles. ee keee&eceeme kece&eejer Je leebee keggbyeereebveer Glmhetle& eeflemeeo
pewve Je mebeeueke cee. Deevebo meeb[t eebee ecegKe GHeeqmLeleerle Peeues, lej efouee.
IeekeesHej (He.) MeeKeses GodIeeve cee. efkeMeesjYeeF& Hesue Je cee. ceegjYeeF&
cee. DeOe#eebee melkeej - yeBkeses DeOe#e cee. oeejece eeUkes eebvee yeBeEkeie
Hesue eebee ecegKe GHeeqmLeleerle Peeues.
ebefDej eebeeJeleerves yesm esDejceve Dee@He keesDee@Hejsefkn yeBkemed ne meJeexe
yeBkesee 63 Je 64 kee Devegeces ceguegb[ (He.), Ssjesueer ee MeeKeebes GodIeeve mevceeve osTve ieewjefJeCeele Deeues. eeefveefcelle yeBkesee meJe& mebeeuekeebveer
efo.12 ceee&, 2016 jespeer Peeues. ceguegb[ (He.) MeeKeses GodIeeve cee. keHetjebo cee. oeejece eeUkes eebee melkeej meceejbYe Deeeesefpele kesuee neslee. meoj
ieesmejeCeer eebee, lej Ssjesueer MeeKeses GodIeeve efMeJeke=Hee HeleHes{eres meceejbYeemee"er ecegKe HeengCes cnCetve pes<" meceepemesJeke DeeojCeere eMeJeble
mebmLeeHeke- mebeeueke cee. ebkeeble eer. Jebpeejer, cee. jeIeJeW peesMeer Je cee. nscee (DeCCee) ef#ejmeeiej, pes<" meceer#eke efveUt oeceues, meejmJele yeBkeses GHeeOe#e
ueJeeCeer eebee ecegKe GHeeqmLeleerle Peeues. cee. ieewlece "eketj Deeoer ceeveJej GHeeqmLele nesles. meoj meceejbYe efo.2 veesknWyej
yeBkesee 65 kee ieesjsieebJe (He.) ee MeeKeses GodIeeve efo.31 ceee& 2016 2015 jespeer efvekees ne@ue, Je[eUe, cegbyeF& esLes Heej He[uee.
jespeer megeefmeOo pes<" DeefYeves$eer jesefnCeer nbie[er Je cee. megefveue eeJeb[s eebee kece&eejer Deeeesefpele mebeeueke ceb[Ueee ieewjJe - DeHevee yeBkesme Mes[egu[
GHeeqmLeleerle Peeues. yeBkesee opee& eehle Peeuee Je ee Deee|Leke Je<ee&le lemese ceee& 2016 DeKesj yeBkesves

8
(Multi State Scheduled Bank)

.5000 keeseRee keJemeeeeee hHeener Heej kesuee yeBkesee ee Deefleere nUtnUt Jee{le eeueuesuee eEkeceleer eeeener HeefjCeece DeLe&keJemLesJej nesF&ue.
efJeeceer Iees[oew[eryeue ee efJeeceees efMeuHekeej yeBkeses DeOe#e cee. oeejece efjPekn& yeBkesves 11 HesceW Je 10 ueIeg yeBkee meg kejCeeme HejJeeveieer efoueer Deens.
eeUkes Je meJe& mebeeueke eebee ieewjJe meceejbYe yeBkesee meJe& kece&eeNeebveer lee ueJekeje meg nesleerue. leeeeceeCes Deee[erSHemeer Je yebOeve ee oesve
Deeeesefpele kesuee neslee. ee meceejbYeeme ceneje<^ees menkeej, HeCeve Je egefveknme&ue yeBkeebveer yeBeEkeie keJenej meg kesues Deensle. ee meJe& yeBkee Kes[esHee[er
Jeeeseesie ceb$eer vee.cee. ebkeebleoeoe Heeerue ns DeeJepet&ve GHeeqmLele nesles lemese Je esee MenjebceOes "sJeer Je Hewmes pecee kejCes ns keJenej kejleerue. ee yeBkee
ee emebieer kees-Dee@He. yeBkemed Schuee@F&pe egefveevees DeOe#e Je ceepeer keWere menkeejer yeBkeebHeg{s mHeOee&lceke Deekneves GYee kejleerue.
DeLe&jepe ceb$eer cee. Keemeoej DeevebojeJe De[metU GHeeqmLele nesles.
eslee Deee|Leke Je<ee&le keepeekeefleefjkele GlHevveees eesle Je veHee #ecelee
meJeexlke=< MeeKee mHeOee& - yeBkesee meJe& MeeKeebHewkeer Je<e&Yejele Glke=< Deee|Leke Jee{efJeCeekeefjlee keecekeepeeee keee&eCeeueerle yeoue Ie[Jetve DeeCeCeeme
keeceefiejer kejCeeNee MeeKeebvee Glke=< MeeKee cnCetve ieewjefJeCeele esles. yeBkesee eeOeeve osCeele esle Deens. yeBkesuee Mes[egu[ opee& eehle Peeueeveblej yeBkesee
Jee{lee MeeKee efJemleej ue#eele Ieslee De, ye Je ke Demes leerve efJeYeeie kesues Demetve keejYeejele keeJemeeefekelee DeeCetve yeBkesuee veeceJeble yeBkeebee eeoerle DeeYeeieer
efJeYeeieJeej Glke=< MeeKee efveJe[Ceele esleele. meve 2015-16 ee Deee|Leke vesCeees Oese Deens. DeeHeCe efveOee&jerle kesuesueer keJemeeeeeer Gef<s Heej
Je<ee&keefjlee mebeeueke ceb[Ueves yeBkeses DeOe#e cee. eer. oeejece eeUkes eebee kejCeekeefjlee DeeHeCee meJeeke[tve HetJeeaeceeCese Gllespeve Je menkeee& efceUsue
DeOe#elesKeeueer eer. meoevebo MeeveYeeie, eer. Meebleejece efoJeskej, eer. vejsMe eeeer ceer Kee$eer yeeUielees.
leeJe[s, eer. Deefveue meJeeokej, meew. Deefoleer meeJeble, eer. DeefJeveeMe mejHejs
ke=le%elee - yeBkeses meJe& eenke, Keelesoej, DeHevee HeefjJeejees meJe& meome,
eebeer meefceleer efveegkele kesueer nesleer. meoj meefceleerJej eer. megjsMe ekneCe, ecegKe
yeBkeseer ce@vespeceW erce, keJemLeeHeke DeeefCe kece&eejer eebveer mebeeueke ceb[UeJej
keJemLeeHeke eebveer efveceb$eke cnCetve keece Heeefnues. mebeeueke ceb[Ueves "jJetve
oeKeefJeuesuee efJeeeme Je menkeee& eeyeue ceer Je ceePes mebeeueke ceb[U meowJe
efouesuee efveke<eevegmeej meoj meefceleerves MeeKee leHeemeCeer kesueer Je iegCeebkeve kesues
$e+Ceer Deens.
Demetve efJepeslee MeeKeebeer veeJes Jeee|<eke meJe&meeOeejCe meYesceOes peenerj
kejCeele esleerue. Deecneuee JesUesJesUer efouesuee menkeeee&yeue efjPekn& yeBke Dee@He Fbef[ee,
cee. pee@F mesesjer, Yeejle mejkeej DeeefCe keWere efveyebOeke, menkeejer mebmLee,
DeeJeenve - osMeebleie&le yeBeEkeie #es$eele eeb[ GueLeeHeeueLe meg Demeueer lejer
veJeer efouueer, cee. menkeej Deeegkele Je efveyebOeke, menkeejer mebmLee, HegCes, efpeune
Yeejleere DeLe&keJemLee eqmLej Demeueees vegkeleee eefmeOo kesuesuee Deee|Leke
GHeefveyebOeke, cegbyeF&, cee. efpeuneefOekeejer Je GHeefpeuneefOekeejer, cegbyeF& Menj,
mLewe& DenJeeueele efjPekn& yeBkesves kekele kesues Deens. meueie oesve Je<ex He[uesuee
cegbyeF& Heesefueme, cegbyeF& ceneveiejHeeefuekee, Fbef[eve yeBkeme DemeesefmeSMeve, ceneje<^
og<keeU, eg[ Dee@F&uees e{les oj, Decesefjkee, egjesHe Je eerve Fleeoer yeuee{e
ms kees-Dee@He.yeBke efue., cegbyeF& efpeune ceOeJeleea menkeejer yeBke efue., ceneje<^
osMeebee DeLe&keJemLesleerue ceboer, yesefkePees Oekekes Fleeoer Deveske mebkes
ms kees.Dee@He.yeBkemed DemeesefmeSMeve, ye=nvcegbyeF& veeiejer yeBkemed DemeesefmeSMeve
esTvener DeeHeuee DeLe&keJemLesves peeieefleke Je osMeebleie&le Oeeskeeeee cegkeeyeuee
efue., ceneje<^ Deye&ve kees-Dee@He.yeBke Hes[jsMeve efue., kees-Dee@He.yeBkeme Schuee@F&pe
eesieleer jeveelceke OeesjCes DeeKetve kesuee Deens Je efJeeemeen&lee efkeJeCeele
egefveeve, cegbyeF&, keeeosefJe<eeke meuueeieej, Debleie&le efnMesye leHeemeveerme,
eMe efceUefJeues Deens. peeieefleke ceboeres JeeleeJejCe, JemletJeeeos yeepeejeleerue
JewOeeefveke uesKee Heefj#eke, ceele=mebmLee cegbyeF& keeceieej ceOeJeleea ieenke
DeefveeqMelelee, eiele osMeeleerue HeleOeesjCeeeer ef{ueeF& ee iees<eRes HeefjCeece
menkeejer mebmLee ceee&efole DeLee&le DeHevee yeepeej kees-Dee@He. eebes ceve:HetJe&ke
DeeHeuee DeLe&keJemLesJej nesle Deensle.
DeeYeej. yeBkesee keeee&uee JesUesJesUer eefmeOoer efoueeyeue meJe& Je=eHe$eebes
meOee DeLe&keJemLee Deekneveelceke HeeMJe&Yetceerletve peele Deens. mejkeejves mebHeeoke, Jeelee&nj, e@vesumees cegKeeefOekeejer, DeeoeRvee OeveJeeo. yeBkeses
DeeKeuesuee efJeefJeOe eespeveebcegUs DeLe&keJemLesuee eeuevee efceUtve yeBkeebee meYeemeo, meefceleer meome, eenke, efnleeEeleke, DeefOekeejer DeeefCe kece&eejer
kepee&le Jee{ nesCeeeer DeHes#ee Deens. ee Je<ee&le eebieuee HeeTme Peeuee lej Mesleer eebveer yeBkeseleer melele efouesuee efeeeMeerue eesieoeveecegUse yeBkesuee ner eewHesj
GlHeeokelee Jee{tve osMeeee eieleerme Je efJekeemeeme neleYeej ueeiesue DeeefCe eieleer meeOe kejlee Deeueer. Deecner ee meJeees $e+Ceer Deenesle. meJeees Demese
peieeleerue Flej osMeebee leguevesle Deee|Leke efJekeeme ojele eebieueeekeejs Jee{ menkeee& eeHeg{sner efceUle jenerue ne { efJeMJeeme.
nesF&ue.
mebeeueke ceb[UeeeJeleerves,
efJelleere megOeejCee jeyeefJeCes ns mejkeejmeceesjes cees"s Deekneve Deens. Jemlet Je
mesJee kej lemese DeefOeke megOeejCee efJeOesekes cebpetj nesleele keer veenerle eeJejner
yeNeeeMee iees<er DeJeuebyetve Deensle. eeefMeJeee meeleJee Deeeesie, peeieefleke ceboer, oeejece eeUkes
yeBkeebeer Jee{leer DeveglHeeefole kepex, Keepeieer iegbleJeCegkeeres keceer eceeCe, lesueeee DeOe#e

9
(ceequms Mes[egu[ yeBke)

YeeJeHetCe& eOoebpeueer
DeHevee yeBkesee ceepeer GHeeOe#e Je DeHevee HeefjJeejeee pes<" veslee kegmegceleeF& KeesHekej, yeBkeses ceepeer mebeeueke eEeletYeeT leeJe[s, yeBkesee ceeuee[ (He.)
MeeKesee meefceleer meomee meew. efJepeee peesMeer, pes<" meceepeJeeoer vesles efveneue Denceo, pes<" ieebOeerJeeoer vesles jceekeeble Deelex, pes<" meceepeJeeoer vesles Je
meeJebleJee[eres ceepeer Deeceoej peeevebo ce"kej, yeBkesee veeeieebJe MeeKeses meefceleer meome Je DeHevee HeefjJeejees pes<" meome meleerMe ueie[,
mvesnuelee ue#ceCe peeOeJe, ceveesnj cegme. ceneveiej yeBkeses DeOe#e mee@ueer. iegueeyejeJe MesUkes. yeBkesee kece&eeNeebee veelesJeeF&keebHewkeer jepeejece meeUJeer,
ceneosJe mees, megiebOee eees, jeOee oUJeer, jsKee efMejmee", mejesefpeveer peeieg<s, DeCee ieeekeJee[, meKeejece yevemees[s, Deyogue He"eCe, eMeJeble HeebeeU,
jeEJeveeLe Heeerue, megneefmeveer meeF&ue, DeMeeske eeUkes leee yejesyej DeelebkeJeeeebMeer ue{leevee JeerjcejCe Deeuesues peJeeve, lemese DeHevee HeefjJeej, DeHevee yeBke,
DeHevee yeepeej Je HeefjJeejeee mebyebefOele Flej mebmLeebMeer efveieef[le Demeuesuee DenJeeue Je<ee&le efveOeve HeeJeuesuee meJe& %eele-De%eele kekeleeRvee
DeHevee yeBkeseer YeeJeHetCe& eOoebpeueer.

meve 2016-2017 mee"eres Deboepe he$eke (` ueeKeele)


meeOe Deboepe meeOe Jee{ Deboepe
2014-2015 2015-2016 2015-2016 2016-2017
"sJeer 251952.44 300000.00 313096.31 61143.87 375000.00
kepex 173347.38 200000.00 202304.06 28956.68 255000.00

GlHevve
kepee&Jejerue keepe 19708.31 25000.00 22554.41 2846.10 27500.00
iegbleJeCegkeerJejerue keepe 7074.16 7500.00 7652.68 578.52 9500.00
Flej GlHevve 2292.46 2500.00 2396.17 103.71 3500.00

SketCe 29074.93 35000.00 32603.26 3528.33 40500.00

Kee&
"sJeerJejerue keepe 18647.64 22600.00 21403.86 2756.22 26500.00
Heieej Je Yees 3571.49 4200.00 3616.65 45.16 4000.00
Flej Kee& 3165.20 4000.00 4214.73 1049.53 4500.00

SketCe 25384.33 30800.00 29235.24 3850.91 35000.00

{esyeU veHee 3690.60 4200.00 3368.02 -322.58 5500.00


lejletoer 1524.85 1500.00 1613.67 88.82 1900.00

efvekJeU veHee 2165.75 2700.00 1754.35 -411.40 3600.00

10
(Multi State Scheduled Bank)

ceele=mebmLee - DeHevee yeepeej


DeHevee yeepeej ee yengjepe eenke menkeejer mebmLeseer 2015-16 ee Deee|Leke Je<ee&eer efJeeer Guee{eue `139.32 keeser Peeuesueer Deens. DenJeeue Je<ee&le
mebmLesee cegbyeF&ceOeerue veeeieeJe, Hees&, ceguegb[, DebOesjer, eejkeesHe DeeefCe JeeMeer esLeerue ef[Hee&ceW mesDeme&eer SketCe efJeeer ` 76.68 keeser Flekeer Peeueer Demetve
SketCe efJeeerMeer ns eceeCe 55% Deens. cegbyeF&ceOes MeeKee efJeYeeieeeer efJeeer `26.81 keeser Peeueer Deens. SketCe efJeeerle leees eceeCe 19% Deens. keeskeCe
efJeYeeieele jlveeefiejer, osJeKe, ueebpee Je ieesJee jepeele ce[ieebJe DeeefCe iegpejele jepeele GcejieebJe esLes MeeKeebeer efJeeer `15.96 keeser Peeueer Demetve leees
SketCe efJeeerMeer eceeCe 12% Deens. veJeer cegbyeF& S.Heer.Sce.meer.esLeerue IeeTke Oeeve efJeYeeieeeer efJeeer `19.87 keeser Peeueer Deens. leees efJeeerMeer eceeCe
14% Deens.
mebmLesves Je<e& 2015-16 ceOes meJe& lejletoer IesTve `37.81 ueeKe efvekJeU veHee eehle kesuee Deens.
ieenke menkeej #es$eeee ceeOeceeletve mebmLesves opee&, iegCeJellee DeeefCe efJeMJeemeen&lee ee iegCeebvee peHetve mJeleeer eieleer keeece "sJeueer Deens. DenJeeue Je<ee&le cegbyeF&
efpeune ceOeJeleea menkeejer yeBkeleHex ceOeJeleea ieenke menkeejer mebmLee ieeceOes mebmLesuee menkeej ieewjJe Hegjmkeej 2015 es eLece Heeefjleesef<eke efceUeues. lemese
menkeejer IeeTke keeHeej #es$eele Glke=< keeceefiejer kesueer leemee"er menkeej ieewjJe ceeveHe$e eehle Peeues. eeJeve efometve esle Deens keer, ieenke, meYeemeo Je
"sJeeroej eebee mebmLesJej HetCe& efJeMJeeme Deens.
Je<e& 2011 ceOes veJeer cegbyeF& esLeerue DeHevee yeepeej JeeMeer ef[Hee&ceW mesDeme& Hetvee|Jekeeme ekeuHeecegUs leelHegjles yebo kejCeele Deeues nesles. DeeOegefveke meeseeRegkele
megmeppe Demes DeHevee yeepeej, JeeMeer efo.22.03.2016 Heemetve Hegvne eenkeebee mesJesle pet Peeues.
DenJeeue Je<eea lee[osJe, efiejieebJe Je Deej.meer.SHe., eWyegj ee MeeKeebes vetleveerkejCe kejCeele Deeues. lee[osJe, jlveeefiejer, osJeKe DeeefCe ueebpee ee MeeKeebes
mebieCeerkejCe HetCe& kejCeele Deeues. DenJeeue Je<ee&le De.yee.JeeMeer, efiejieebJe, ceguegb[ DeeefCe Deej.meer.eWyegj esLes C.C.TV keee&eCeeueer yemeefJeCeele Deeueer.
Je<e& 2015-16 ceOes DeHevee yeepeej kees-Dee@He.ee meJe& ef[Hee&ceW mesDeme& Je MeeKee mebieCekeerke=le Peeuee Deensle.
DeHevee yeepeej veeeieebJe esLes oeoemeensye mejHejs Deejesie keWeleerue le%e [e@kejebceeHe&le iCeebvee veececee$e ojele mesJee HegjefJeueer peeles. ee Deee|Leke Je<ee&le
8643 iCeebveer ee mesJesee ueeYe Iesleuee.
mebmLesuee eebieues mLewe& eehle nesTve mebmLeseer melele eieleer nesle Deens.

DeHevee yeBke kece&eejer HeleHes{er


DeHevee yeBke kece&eejer menkeejer HeleHes{er ceee&efole ee yeBkesee kece&eeNeebee HeleHes{eres meve 2015-16 ee DenJeeue Je<ee&le Yeeie Yeeb[Jeue ` 102.85 ueeKe
Peeues Demetve SketCe efveOeer ` 40.40 ueeKe Peeuee Deens. DenJeeue Je<e&DeKesj meYeemeo mebKee 375 Deens. efMeuueke kepex ` 514.22 ueeKe Deensle. kepee&Jejerue
keepeoj o.mee.o.Mes.13 kekes Demetve HeleHes{erves DenJeeueJe<ee&le ` 17.84 ueeKe veHee efceUefJeuee Deens. HeleHes{erme 2015-16 ee Deee|Leke Je<ee&kejerlee
De Dee@ef[ Jeie& efceUeuee Deens.

meYeemeo Je kece&eejer Heeueebkeefjlee Mew#eefCeke ye#eerme eespevee


iesueer Deveske Je<ex yeBkesves meYeemeoebee Heeueebvee Mew#eefCeke eeslmeenveHej Heeefjleesef<eke osCeeeer eespevee jeyeefJeueer Deens. leevegmeej yees[& Je efJeeeHeer"ebveer
meve 2016 ceOes Iesleuesuee Sme.Sme.meer./Se.Sme.meer. ee Hejer#eeble Heefnueee eelveele 70 kekeeentve DeefOeke, lej HeoJeerOej/Heokegej/HeoefJekee
(mejkeejer ceeveleeeehle oesve Je<e& eEkeJee DeefOeke keeueeJeOeer) ee Hejer#eeble 65 kekeeentve DeefOeke ietCe efceUJetve GeerCe& Peeuesuee efJeeeLeea/efJeeee|LeveeRee
eLeesefele ieewjJe kejCeele esCeej Deens. pee meYeemeoebes meYeemeolJe efo. 31 ceee& 2016 DeKesj Ske Je<ee&ntve DeefOeke keeueeJeOeeres Deens DeMee meJe&
meYeemeoebes Heeue ee ye#eerme eespevesme Hee$e nesleerue. DeMee meYeemeoebveer MeeKesle GHeueyOe Demeuesues efJeefnle vecegveeleerue Depe& Yeve leemeesyele
efJeeeuee/ceneefJeeeueeeee eeeeee&ke[tve eceeefCele kesuesuee iegCeHeef$ekesee eeebefkele eleermen efo. 15 Dee@keesyej 2016 HetJeea yeBkesee kee@Heexjs Dee@efHeme
DeLeJee peJeUee MeeKesle meeoj kejeJesle.

11
(ceequms Mes[egu[ yeBke)

31 ceee& 2016 DeKesjes leeUsyebo he$eke


PREVIOUS YEAR CAPITAL AND LIABILITIES SCHEDULE CURRENT YEAR PREVIOU
31/Mar/15 NO. 31/Mar/16 3

1,004,534,725.00 1 SHARE CAPITAL 1 1,046,532,000.00 1,816,67

1,854,948,716.62 2 RESERVE FUND AND OTHER RESERVES 2 2,795,030,078.01 2,755,43

25,195,244,422.01 3 DEPOSIT AND OTHER ACCOUNTS 3 31,309,631,439.45

157,191.00 4 BILL FOR COLLECTION BEING BILLS 170,718.00 5,504,83

RECEIVABLE (as per contra) 17,334,73

- 5 BRANCH ADJUSTMENT 12,484,427.08

252,140,711.43 6 OVERDUE INTEREST RESERVE 247,804,865.63 370,18

41,664,391.25 7 INTEREST PAYABLE ON DEPOSIT 44,965,496.05 128,83

422,790,481.95 8 OTHER LIABILITIES 4 421,862,401.21 15

245,294,746.40 9 PROFIT AND LOSS ACCOUNT 5 187,012,497.31

27,63

10 CONTINGENT LIABILITIES 865,74

Current Year 2016 212,53

Guarantees & LC issued ` 60,72,41,069.35

DEAF ` 9,70,99,196.64

Previous Year 2015

Guarantees & LC issued ` 45,88,33,938.34

DEAF ` 9,36,22,097.87

29,016,775,385.66 GRAND TOTAL 36,065,493,922.74 29,016,77

As per our report of even date attached


For Sanjay Rane & Associates
Chartered Accountants
FRN No. 121089W

(CA Vishal Bane) Suresh Chavan Prakash Kondurkar


Partner M.N. 146521 General Manager Chief Executive Officer
Statutory Auditor

12
(Multi State Scheduled Bank)

BALANCE SHEET AS AT 31st MARCH 2016

ENT YEAR PREVIOUS YEAR PROPERTY AND ASSETS SCHEDULE CURRENT YEAR
31/Mar/16 31/Mar/15 NO. 31/Mar/16

532,000.00 1,816,673,128.51 1 CASH AND BANK BALANCES 6 4,354,863,435.40

030,078.01 2,755,433,532.34 2 BALANCE WITH OTHER BANKS 7 2,263,648,172.02

631,439.45 - 3 MONEY AT CALL AND SHORT NOTICE -

170,718.00 5,504,837,176.00 4 INVESTMENTS 8 6,730,209,062.00

17,334,737,862.95 5 ADVANCES 9 20,230,405,611.09

484,427.08 6 INTEREST RECEIVABLE

804,865.63 370,181,030.08 i) On Loans & Advances 388,272,190.28

965,496.05 128,837,399.00 ii) On Investment 136,841,725.00

862,401.21 157,191.00 7 BILLS RECEIVABLE BEING BILLS FOR 170,718.00

012,497.31 COLLECTION (as per contra)

27,638,229.43 8 BRANCH ADJUSTMENT -

865,748,191.65 9 FIXED ASSETS 10 1,745,143,644.65

212,531,644.70 10 OTHER ASSETS 11 215,939,364.30

493,922.74 29,016,775,385.66 GRAND TOTAL 36,065,493,922.74

Mrs. Aditi Sawant Sadanand Shanbhag Dattaram Chalke


Director Vice - Chairman Chairman

13
(ceequms Mes[egu[ yeBke)

31 ceee& 2016 DeKesjes vehee-leese he$eke


PREVIOUS YEAR EXPENDITURE CURRENT YEAR PREVIOU
31/Mar/15 31/Mar/16 3
1,864,750,643.29 1 Interest on Deposits 2,140,386,397.09 1,970,83
13,205.00 2 Interest on Borrowings 0.00 707,41
357,148,978.00 3 Salaries and Allowances 361,664,966.50 23,91
1,063,827.00 4 Directors' Fees, Travelling & Conveyance 1,227,112.00 6,01
97,380,567.00 5 Rent,Taxes,Insurance & Lighting 122,905,461.30 81,70
1,900,789.00 6 Legal & Professional Charges 2,468,425.00 59,87
9,764,983.35 7 Postage & Telephone Charges 8,935,414.87 34,00
3,928,743.00 8 Audit Fees 5,443,000.00 6,69
60,681,035.29 9 Depreciation on Fixed Assets 64,980,959.00 17,02
20,172,907.00 10 Repairs & Maintenance 21,900,446.11
6,161,330.53 11 Printing & Stationery 6,868,621.88
12,860,682.00 12 Advertisement & Publicity 9,743,533.00
22,599,084.00 13 Premium Paid to DICGC 26,370,528.00
1,540,199.00 14 Travelling and Conveyance 1,430,676.50
5,600,971.00 15 Premium on Securities Amortised 8,532,639.00
0.00 16 Bad Debts Written Off 49,674,862.61
72,864,254.01 17 Sundry Expenses 89,420,149.98
18 Loss on Shifting of Investment 1,561,250.00
19 Provisions and Contingencies:
0.00 a) Provision Against Contingency 10,000.00
9,991,000.00 b) Contingent Provision for Standard Asset 10,714,000.00
40,921,208.27 c) Amortisation of Cost of Acquired Bank 10,784,794.88
24,000,000.00 d) Bad & Doubtful Debts Reserve 40,000,000.00
10,100,000.00 e) Special B.D.D.R. u/s 36 I (viii) of IT 12,428,600.00
284,048,274.23 20 Profit before Tax 262,874,629.91
69,757,000.00 i) Income Tax 93,157,253.00
(2,284,185.00) ii) Deferred Tax (5,718,000.00)
216,575,459.23 Net Profit After Tax Carried Tr. To B/S 175,435,376.91

2,907,492,680.97 Total 3,260,326,467.63 2,907,49


As per our report of even date attached
For Sanjay Rane & Associates
Chartered Accountants
FRN No. 121089W
(CA Vishal Bane) Suresh Chavan Prakash Kondurkar
Partner M.N. 146521 General Manager Chief Executive Officer
Statutory Auditor

14
(Multi State Scheduled Bank)

PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH 2016

ENT YEAR PREVIOUS YEAR INCOME CURRENT YEAR


31/Mar/16 31/Mar/15 31/Mar/16
386,397.09 1,970,831,308.44 1 Interest Loan & Advance 2,255,441,120.83
0.00 707,415,840.86 2 Interest on Invesment 765,267,842.86
664,966.50 23,918,245.99 3 Commission Exchange & Brokerage 26,782,564.44
227,112.00 6,019,567.00 4 Rent on Safe Deposit Lockers 6,637,422.00
905,461.30 81,709,325.60 5 Other Income 80,346,503.44
468,425.00 59,877,000.00 6 Profit on Sale of Investment 60,421,002.14
935,414.87 34,000,000.00 7 BDDR Written Back 49,674,862.61
443,000.00 6,693,500.00 8 IDR Written Back 0.00
980,959.00 17,027,893.08 9 Written Off Bad Debts Recovered 15,755,149.31
900,446.11
868,621.88
743,533.00
370,528.00
430,676.50
532,639.00
674,862.61
420,149.98
561,250.00

10,000.00
714,000.00
784,794.88
000,000.00
428,600.00
874,629.91
157,253.00
18,000.00)
435,376.91

326,467.63 2,907,492,680.97 Total 3,260,326,467.63

Mrs. Aditi Sawant Sadanand Shanbhag Dattaram Chalke


Director Vice - Chairman Chairman

15
(ceequms Mes[egu[ yeBke)
SCHEDULES TO BALANCE SHEET
PREVIOUS YEAR PARTICULARS CURRENT YEAR
31/Mar/15 31/Mar/16
SCHEDULE - 1
SHARE CAPITAL
i) Authorised Capital :
3,000,000,000.00 12,00,00,000 shares of ` 25/- each 3,000,000,000.00
ii) Issued, Subscribed and Paid-up:
1,004,534,725.00 41861280 (P.Y. 40181389) Shares of ` 25/- each 1,046,532,000.00
(Previous year 40181389 shares of ` 25/- each)
1,004,534,725.00 1,046,532,000.00
SCHEDULE - 2
RESERVE FUND AND OTHER RESERVES
385,985,640.56 i) Statutory Reserve 442,484,480.56
280,510,151.35 ii) Building Fund 285,510,151.35
3,510,000.00 iii) Dividend Equalisation Fund 3,510,000.00
409,812,026.18 iv) Bad & Doubtful Debts Reserve 400,137,163.57
42,609,000.00 v) Special B.D.D.R. u/s 36(1) (viii) of I.T. Act, 1961 55,037,600.00
66,286,000.00 vi) Contingent Provision against Standard Assets 77,000,000.00
349,000.00 vii) Charity Fund 349,000.00
42,270.91 viii) Staff Welfare Fund 32,695.91
81,124,000.00 ix) Investment Fluctuation Fund 95,841,650.00
4,597,015.00 x) Member Welfare Funds 2,816,893.00
9,572,714.62 xi) Contingency Reserve 31,233,714.62
963,700.00 xii) J.P.N. 1,513,700.00
31,015,000.00 xiii) Investment Depreication Reserve 31,015,000.00
10,100,000.00 xiv) General Reserve 10,100,000.00
528,472,198.00 xv) Revaluation Reserve 1,356,948,029.00
xvi) Golden Jubliee Fund 1,500,000.00
1,854,948,716.62 2,795,030,078.01
SCHEDULE - 3
DEPOSIT AND OTHER ACCOUNTS
A) Term Deposits
14,976,328,601.71 i) Individuals 18,659,701,645.75
4,447,483,303.61 ii) Other Societies 6,075,807,766.84
19,423,811,905.32 24,735,509,412.59
B) Saving Bank Deposits
4,727,499,878.39 i) Individuals 5,439,284,815.81
137,170,517.36 ii) Other Societies 131,710,153.67
4,864,670,395.75 5,570,994,969.48
C) Current Deposits
870,021,413.17 i) Individuals 959,336,627.02
36,740,707.77 ii) Other Societies 43,790,430.36
906,762,120.94 1,003,127,057.38
25,195,244,422.01 31,309,631,439.45

16
(Multi State Scheduled Bank)

SCHEDULES TO BALANCE SHEET


PREVIOUS YEAR PARTICULARS CURRENT YEAR
31/Mar/15 31/Mar/16
SCHEDULE - 4
OTHER LIABILITIES
7,288,360.50 i) Unclaimed Dividend 7,602,234.50
233,183,432.09 ii) Pay-Orders issued 234,286,657.90
42,445,542.17 iii) Sundry Creditors 13,890,896.38
12,080,253.00 iv) Provision for Expenses 12,284,783.00
10,663,544.19 v) Sundries 13,268,226.43
69,757,000.00 vi) Tax Provision 93,157,253.00
47,372,350.00 vii) Collection Account (Acquried Bank) 47,372,350.00
422,790,481.95 421,862,401.21
SCHEDULE - 5
PROFIT AND LOSS ACCOUNT
222,749,533.17 Profit as per last Balance sheet 228,101,746.40
Less : Appropriation for 2014-15
48,516,050.00 i) Statutory Reserve (25%) 54,152,500.00
122,117,096.00 ii) Dividend @ 12% 113,927,376.00
19,406,450.00 iii) Contingency Reserve 21,661,000.00
1,940,650.00 iv) Education Fund 2,166,100.00
775,000.00 v) J.N.P. 1,200,000.00
500,000.00 vi) Staff Welfare Fund 1,000,000.00
775,000.00 vii) Member Welfare Funds 1,200,000.00
- viii) Investment Fluctuation Funds 14,717,650.00
ix) Building Fund 5,000,000.00
x) Golden Jubilee Fund 1,500,000.00
28,719,287.17 Balance Profit after Appropriations 11,577,120.40
216,575,459.23 Add : i) Current year Profit 175,435,376.91
245,294,746.40 187,012,497.31
SCHEDULE - 6
CASH & BANK BALANCES
307,406,211.12 a) Cash In Hand 378,296,666.10
927,262,217.18 b) Reserve Bank of India 3,442,730,520.13
714,154.72 c) Current Deposit with State Co-op. Bank 714,154.72
43,607,833.05 d) Current Deposit with Dist. Co-op. Bank 43,511,644.68
20,999,776.44 e) Current Deposit with SBI & its Subsidiaries 13,307,949.77
130,002,500.00 f) Fixed Deposit with Dist. Co-op Bank /State CBL 30,002,500.00
386,680,436.00 g) Reserve Fund Investment with Dist. Co-op Bank 446,300,000.00
1,816,673,128.51 4,354,863,435.40
SCHEDULE - 7
BALANCE WITH OTHER BANKS
266,741,718.81 a) Current Deposit with Nationalised Banks 176,927,474.10
116,991,813.53 b) Current Deposit with Other Banks 90,020,697.92
483,200,000.00 c) Fixed Deposit with Nationalised Banks 483,200,000.00
1,888,500,000.00 d) Fixed Deposit with Other Banks 1,513,500,000.00
2,755,433,532.34 2,263,648,172.02

17
(ceequms Mes[egu[ yeBke)
SCHEDULES TO BALANCE SHEET
PREVIOUS YEAR PARTICULARS CURRENT YEAR
31/Mar/15 31/Mar/16
SCHEDULE - 8
INVESTMENTS
5,503,324,676.00 a) In Government Securities 6,728,696,562.00
1,512,500.00 b) Shares of Co-operative Instututions 1,512,500.00
5,504,837,176.00 6,730,209,062.00
SCHEDULE - 9
ADVANCES
I) Short Term Loans :
Cash Credit, O.D.,& Bills Discounted
of which secured against
A) Govt. & Other Approved Securities
7,034,559,610.85 B) Other Tangible Securities 8,903,505,459.79
34,209,243.67 C) Unsecured Advances 45,583,638.65
7,068,768,854.52 8,949,089,098.44
i) Amount overdue ` 6723.61 Lakh
(P.Y. ` 2694.24 Lakh)
ii) Amount Considered Bad & Doubtful of Recovery
` 879.76 Lakh (P.Y. ` 2404.08 Lakh)
II) Medium Term Loan :
of which secured against
A) Govt. & Other Approved Securities
2,113,824,942.45 B) Other Tangible Securities 1,845,776,057.96
331,686,977.68 C) Unsecured Advances 331,588,213.09
2,445,511,920.13 2,177,364,271.05
i) Amount overdue ` 1289.15 Lakh
(P.Y. ` 783.98 Lakh)
ii) Amount Considered Bad & Doubtful of Recovery
` 1336.42 Lakh (P.Y. ` 1778.57 Lakh)
III) Long Term Loans :
of which secured against
7,687,134,344.87 A) Other tangible Securities 8,971,013,235.90
133,322,743.43 B) Unsecured Advances 132,939,005.70
7,820,457,088.30 9,103,952,241.60
i) Amount overdue ` 1419.40 Lakh
(P.Y. ` 469.23 Lakh)
ii) Amount Considered Bad & Doubtful of Recovery
` 1356.38 Lakh (P.Y. ` 805.93 Lakh)
17,334,737,862.95 20,230,405,611.09

18
(Multi State Scheduled Bank)

SCHEDULES TO BALANCE SHEET


PREVIOUS YEAR PARTICULARS CURRENT YEAR
31/Mar/15 31/Mar/16
SCHEDULE - 10
FIXED ASSETS
I) PREMISES
694,035,592.00 Balance as on 01.04.2015 650,739,605.00
- Add : Addition during the year 8,850,000.00
Add : Revaluation during the year 861,505,343.00
43,295,987.00 Less : Depreciation for current year 43,244,948.00
650,739,605.00 Sub-total (I) 1,477,850,000.00
II) FURNITURE AND FIXTURES
169,916,175.08 Balance as on 01.04.2015 181,155,417.06
35,905,063.75 Add : Addition during the year 71,243,815.00
749,828.48 Less : Book Value of sales during year 111,780.00
23,915,993.29 Less : Depreciation for current year 28,480,965.00
181,155,417.06 Sub-total (II) 223,806,487.06
III) COMPUTERS
35,288,923.59 Balance as on 01.04.2015 31,975,689.59
22,514,506.00 Add : Addition during the year 35,918,549.00
- Less : Book Value of sales during year 2.00
25,827,740.00 Less : Depreciation for current year 25,515,979.00
31,975,689.59 Sub-total (III) 42,378,257.59
IV) VEHICLES
1,680,596.00 Balance as on 01.04.2015 1,877,480.00
867,711.00 Add : Addition during the year -
- Less : Book Value of sales during year 1.00
670,827.00 Less : Depreciation for current year 768,579.00
1,877,480.00 Sub-total (IV) 1,108,900.00
865,748,191.65 TOTAL (I+II+III+IV) 1,745,143,644.65
SCHEDULE - 11
OTHER ASSETS
34,085,072.00 i) Deposit towards Lease Premises 48,748,564.00
4,992,528.00 ii) Other Deposits 5,011,438.00
6,193,760.62 iii) Stock of Printing & Stationary 6,522,403.79
4,345,437.00 iv) Prepaid Expenses 2,777,932.00
1,970,377.00 v) Stamp in Hand 1,337,943.00
80,812,393.20 vi) Others 69,304,635.51
29,868,639.00 vii) Deferred Tax Assets 18,393,639.00
39,478,643.00 viii) Advance Income Tax 63,842,809.00
10,784,794.88 ix) Cost of Acquisition -
212,531,644.70 215,939,364.30

19
(ceequms Mes[egu[ yeBke)

CHARTERED ACCOUNTANTS
23, Chanchal Smruti C.H.S. Ltd., Phone : 4360 0200
Telefax : 4360 0205
2nd Floor, 25, G. D. Ambekar Marg, Email : admin@ssrane.net
Wadala, Mumbai - 400 031. Website : www.ssraneandco.com

INDEPENDENT AUDITORS REPORT

To

The Shareholders of Apna Sahakari Bank Ltd. by the Institute of Chartered Accountant of India. Those
Standards require that we comply with ethical
(Under Section 31 of The Banking Regulation Act, 1949 &
requirements and plan and perform the audit to obtain to
section 73(4) of The Multi State Co-operative Societies
reasonable assurance about whether the financial
Act, 2002 and Rule 27 of Multi State Co-operative
statements are free from material misstatement.
Societies Rule 2002.)
An audit involves performing procedures to obtain audit
Report on the Financial Statements
evidence about the amounts and disclosures in the financial
We have audited the accompanying financial statements of statements. The procedures selected depend on the
"APNA SAHAKARI BANK LTD.", Mumbai which auditor's judgment, including the assessment of the risks of
comprise the Balance sheet as at 31st March 2016, the material misstatement of the financial statements, whether
Profit and Loss account and Cash Flow statement for the due to fraud or error. In making those risk assessments, the
year then ended and summery of significant accounting auditor consider internal control relevant to the Bank's
policies and other explanatory information. preparation and fair presentation of the financial statement
in order to design audit procedure that are appropriate in the
Management's Responsibility for the Financial
circumstances. An audit also includes evaluating the
Statement
appropriateness of accounting policies used and the
The management is responsible for the preparation of these reasonableness of the accounting estimates made by the
financial statements in accordance with The Multi State management, as well as evaluating the overall presentation
Co-operative Societies Act, 2002 and rules made there of the financial statements. We believe that the audit
under and Banking Regulation Act, 1949 (as applicable). evidence we have obtained is sufficient and appropriate to
This responsibility includes the design, implementation provide a basis for our audit opinion.
and maintenance of internal control relevant to the
Opinion
preparation of the financial statements that are free from
material misstatement, whether due to fraud or error. In our opinion and to the best of our information and
according to explanation given to us, read with the Notes to
Auditor's Responsibility
the accounts, the financial statements subject to our
Our responsibility is to express an opinion on these comments and observation contained in Audit
financial statements based on our audit. We conducted our Memorandum, give the information required by The Multi-
audit in accordance with the Standards on Auditing issued State Co-operative Societies Act, 2002 and Rules made

20
(Multi State Scheduled Bank)

there under in the manner so required and give true and fair b) In our opinion, proper books of accounts as required
view in conformity with the accounting principles by law have been kept by the bank so far as it appears
generally accepted in India : from our examination of those books and proper
returns adequate for the purpose of our audit have
i) In case of Balance Sheet, of the state of affairs of the
been received from the branches not visited by us;
bank as at 31st March 2016,
c) In our opinion and according to information given to
ii) In the case of the Profit and Loss Account, of the Profit
us, there has been no material impropriety or
for the year ended on that date; and
irregularity in the expenditure or in the realization of
iii) In case of cash flow statement, of the cash flow for the money due to the bank;
year ended on that date.
d) To the best of our information and explanation given
Report on other Legal and Regulatory Matters to us, the transaction of the bank, which have come to
our notice have been within the competence of the
The Balance sheet and the Profit and Loss Account have bank and are in compliance with RBI guidelines, as
been drawn up in accordance with the provisions of section applicable to Multi State Co-operative Banks;
29 of the Banking Regulation Act, 1949.
e) The Balance sheet, Profit and Loss Account and Cash
We report that : Flow statement deal with by this report are in
agreement with the books of accounts and returns.
a) We have obtained all the information and
explanations which to the best of our knowledge and
belief were necessary for the purpose of our audit;

The Bank has awarded 'A' classification for the financial year 2015-2016.

M/s Sanjay Rane & Associates


Chartered Accountants
Firm Reg. No.121089W

(CA Vishal Bane )


Place : Mumbai Partner
Date : 21/07/2016 M. No.146521

21
(ceequms Mes[egu[ yeBke)

Notes forming part of Balance Sheet as at 31st March, 2016 Investments are valued as per the directives issued by the
and Profit and Loss Account for the year ended 31st March, Reserve Bank of India from time to time and in line with the
2016. methodology suggested by Fixed Income Money Market and
Derivatives Association of India (FIMMDA).
I) OVERVIEW :
Investments classified under Held to Maturity category have
1. The Apna Sahakari Bank was incorporated in 1968 and has
been carried at acquisition cost. In case of Securities
completed its 48 years of providing wide range of banking
acquired at Premium, necessary amortization is provided for
services including commercial and retail banking products.
as per RBI directives.
2. Basis of Preparation :
Investments under "Held for Trading" & "Available for Sale"
The financial statements have been prepared and presented category have been marked to market as per RBI directives.
under the historical cost convention on the accrual basis of While net depreciation, if any, under each classification has
accounting, unless otherwise stated, and comply with
been provided for, net appreciation, if any, has been ignored.
generally accepted accounting principles, statutory
requirements prescribed under the Banking Regulation Act, Reclassification of investments from one category to another,
1949, and The Multi state Co-operative Societies Act, 2002, is done in accordance with RBI guidelines and any such
circulars and guidelines issued by the Reserve Bank of India transfer is accounted for at the acquisition for at the
from time to time, the Accounting Standards issued by the acquisition cost/book value/market value, which is lower, as
Institute Of Chartered Accountants of India and current at the date of transfer. Depreciation, if any, on such transfer is
practices prevailing within banking industry of India. fully provided for.

3. Use of Estimates : In respect of non-performing securities (Where interest /


principal is in arrears), income is not recognized, and
The preparation of financial statements, in conformity with
appropriate provision is made for depreciation in the value of
generally accepted accounting principles, requires
securities; and such provision is not set off against
management to make estimates and assumptions that affect
appreciation in other performing securities.
the reported amounts of assets and liabilities, revenue and
expenses and disclosure of contingent liabilities at the date of Broken Period Interest at the time of acquisition of securities
financial statement and the result of operation during the is recognized as Revenue Expense.
reporting period end. Although these estimates are based 3. Advances :
upon management's best knowledge of current events and
action, actual result could differ from these estimates. All advances have been classified under four categories i.e.
(i) Standard Assets, (ii) Sub-standard Assets, (iii) Doubtful
II) SIGNIFICANT ACCOUNTING POLICIES :
Assets and (iv) Loss Assets in accordance with the guidelines
1. Accounting Convention : issued by the RBI from time to time.
Financial statements are drawn up in accordance with Provision on advances categories under Sub-Standard,
historical cost convention and in accordance with generally Doubtful and Loss Assets is made in accordance with the
accepted accounting practices and conform to statutory guidelines issued by the RBI. In addition, a general provision
provisions of practices prevailing in India except as otherwise has been made on all standard assets as per RBI directives.
stated.
The overdue interest in respect of NPA advances is provided
2. Investments : separately under "Overdue Interest Reserve" as per the
The entire Investment Portfolio of the bank (including SLR directives issued by the Reserve Bank of India.
and Non SLR securities) has been classified into (i) Held to While classifying account as NPA, due regard is given to the
Maturity (ii) Held for Trading (iii) Available for Sale Categories Events occurring after the Balance Sheet Date, like closure of
as per RBI Guidelines. NPA accounts, renewal of accounts or substantial recovery in
The entire Investment Portfolio for the purpose of disclosure the account which has an effect of altering the status of the
in the balance sheet has been categorized into account. The amount of such loan is ` 331.26 lacs. Other than
(i) Government Securities (ii) Other approved securities this, there is no event occurring after the Balance Sheet date
(iii) Shares (iv) Debentures and Bonds (v) Subsidiaries and which may be deemed to have any material impact on the
Joint Ventures (vi) Others. financial statements.

22
(Multi State Scheduled Bank)

4. Fixed Assets and Depreciation : 7. Retirement Benefits to Employees (AS 15) :


Fixed Assets are stated at cost, net of accumulated Provision for liability towards gratuity is accounted for as per
depreciation. Cost comprises of purchase price, borrowing the actuarial valuation carried by LIC of India. The Bank has
cost, if eligible and cost of bringing the assets to its working covered gratuity liability under the Employees group gratuity
condition for intended use. scheme of LIC of India. Contributions to LIC of India under the
scheme are charged to the Profit and Loss Account for the
The stamp duty and registration fees paid for premises
year when the contribution is made.
acquired on lease are expensed out to Profit and Loss
Account. Further from March 2011 onwards bank has covered Leave
Encashment liability under Employee's Group Leave
Fixed Assets are depreciated on straight line basis at the
Encashment Scheme of LIC of India. Contributions to LIC of
rates determined by Management.
India under the scheme are charged to the Profit and Loss
The rates of depreciation are as under : Account for the year when the contribution is made.
Particulars Rate Current year's bank contribution towards gratuity and
Premises 5% leave encashment is as under :

Furniture & Fixtures 10% Particular Amount


Gratuity ` 53.27 lacs
Office Equipments 15%
Leave encashment ` 203.41 lacs
Computers 33.33%
Provident fund contributions are charged to the Profit and
Vehicles 30% Loss Account of the year when the contribution to the
Office equipments are grouped under Furniture & Fixture respective funds are due.
Depreciation on fixed assets purchased during the year is 8. Provisions for Current and Deferred Tax :
charged on pro-rata basis for the number of months for which Tax expenses comprises of current tax and deferred tax.
the assets has been used.
Deferred tax reflects the impact of current year timing
Owned premises were revalued during financial year 2010- differences between taxable income and accounting income
2011 and Revaluation reserve of ` 6,605.90 Lacs was for the year and reversal of timing differences for earlier years.
created to the extent of appreciation in value of properties.
Deferred tax is measured based on the tax rate and laws
Subsequently, on March 31, 2016, Bank had revalued its
enacted at the Balance sheet date.
ownership premises in respect of 27 premises of ` 14690.00
lacs on the basis of valuation reports. The difference between The deferred tax assets are recognized and carried forward
the revalued amount and the book value of ` 8615.05 lacs has only to the extent that there is a reasonable certainty that the
been credited to Revaluation Reserve during the assets will be realized in future. In case of carried forward loss
year 2015-16. under income tax act, deferred tax assets are recognized only
if there is virtual certainty of realization of such assets.
5. Revenue Recognition :
9. Provisions, Contingent Liabilities and Contingent
Income & Expenditure are recognized on accrual basis,
Assets (AS-29) :
whereas interest income on advances is recognized on
receipts basis. The bank makes provisions when it has a present obligation
as a result of past event(s),where
Income from non-performing assets is recognized to the
extent realized, as per directives issued by RBI. It is probable that an outflow of resources embodying
economic benefits to settle the obligation will be required and
Income from locker rent, interest on overdue bills, interest on
a reliable estimate can be made of such an obligation.
income tax refunds, dividend income and expenses of ex-
gratia payment, reimbursement of medical expenses and Contingent assets are not recognized in financial statements.
leave travel concession to staff is accounted on cash basis. Contingent liabilities of the bank are in respect of the
6. Conversion of Foreign Exchange : guarantees, acceptances and letters of credit with customers
under approved limits and the liability thereon is dependent
Letters of Credit in foreign currencies are being stated at year- upon terms of contractual obligations, development and
end rates of exchange by Foreign Exchange Dealers raising of demand by the concerned parties. These amounts
Association of India (FEDAI). are partly collateralized by margin/guarantees/secured

23
(ceequms Mes[egu[ yeBke)
charges. A disclosure of contingent liability is made when there is a possible obligation, arising from past event(s), the existence of
which will be confirmed by occurrence or non-occurrence of one or more uncertain future events not within the control of the bank or
any present obligation that arises from past events but is not recognized because it is not probable that an outflow of resources
embodying economic benefits will be required to settle the obligation and a reliable estimate of the amount of obligation cannot be
made.
In accordance with the 'Depositor Education & Awareness Fund scheme 2014' formulated by RBI, the Bank has identified and
transferred ` 970.99 lacs to the 'Depositor Education & Awareness Fund' till 31st March 2016. Details of the same are as following.
(` in Lacs)
Particulars FY 2015-16 FY 2014-15
Opening balance of Amount transferred to DEAF 952.26
Add : Amount transferred to DEAF during the year 40.39 952.37
Less : Amount reimbursed by DEAF towards claims (*) 21.66 0.11
Closing balance of amount transferred to DEAF 970.99 952.26

III) NOTES ON ACCOUNTS


1. Disclosure under Accounting Standard- 5, Prior Period Items :
There are no items of material significance in the prior period account requiring disclosure.
2. Disclosure under Accounting Standard - 10 Accounting for Fixed Assets (` in Lacs)
Particulars Furniture & Fixture Computer Premises Vehicle
Gross Block 31.03.2015 3,199.04 1,723.74 8,779.77 103.93
Add : During the Year included revaluation 712.44 359.19 8,703.55 ---
Less : Deduction during the Year (Sale) 1.12 -- -- ---
Gross Block (A) 3,910.36 2,082.93 17,483.32 103.93
Depreciation up to 31.03.2015 1,387.49 1,403.98 2,272.38 85.16
Add : Current Year Depreciation 284.81 255.16 432.45 7.69
Less : Depreciation of sales -- -- -- ---
Total Depreciation 31.03.2016 (B) 1,672.30 1,659.14 2,704.82 92.85
Net Block 31.03.2016 (A-B) 2,238.06 423.79 14,778.50 11.08
3. Primary segment reporting (By Business Segments) AS-17 as on 31.03.2016 : (` in Lacs)
Sr. No. Particulars Treasury Other Banking Total as on
Operations 31.03.2016
A Revenue 8,257.93 24,345.33 32,603.26
B Result 785.25 2,075.73 2,860.98
Unallocated Expenses Nil Nil 232.24
Net profit before tax 2,628.74
Provision for income tax 931.57
Deferred Tax (57.18)
Extraordinary Profit & loss account Nil
Net profit after tax 1,754.35
C OTHER INFORMATION
Segment Assets 93,400.54 2,66,353.43 3,59,753.97
Unallocated Assets 900.97
Total Assets 3,60,654.94
Segment Liabilities 94,006.82 2,45,498.08 3,39,504.90
Unallocated Liabilities 21,150.04
Total 3,60,654.94

24
(Multi State Scheduled Bank)

The bank operates as a single unit in India, hence separate The weighted average number of shares for current year is
information regarding geographical segment is not given. calculated by taking average of shares outstanding as on first
and last day of financial year.
The bank is organized into two main business segments
namely : 7. Deferred Tax :
Treasury : primarily comprising of dealing room operation,
Deferred Tax has been recognized in accordance with AS-22
trading/investment in bonds and government securities;
on account of timing differences between the book profit and
Other banking operations : primarily comprising of loan and the taxable profits. The tax assets of timing differences
advances to corporate and retail loans & advances to other between the book profit and taxable profit are reflected
customers. through DTA/DTL.

The above segments are based on the currently identified The major components of deferred tax asset (DTA) &
segments taking into account the nature of services provided,
deferred tax liability (DTL) are as under :
the risks and returns, overall organization structure of the
bank and the internal financial reporting system. (` in Lacs)
Segment revenue, results, assets and liabilities includes As on As on
respective amounts identifiable to each of the segment and 31.03.2015 2015-16 31.03.2016
amounts apportioned /allocated on reasonable basis. DTA

4. Disclosure under AS-18 on "Related Party Transactions": Provision for Advances 351.48 (109.00) 242.48
Total 351.48 (109.00) 242.48
The bank is a co-operative society under the Multi State
DTL
Co-operative Society Act, 2002 and there are no related
parties requiring a disclosure under AS 18 issued by The Depreciation on
Fixed Assets (52.80) (5.75) (58.55)
Institute of Chartered Accountants of India other than of the
key management personnel. Net DTA/(DTL) 296.68 (114.75) 183.93
During the current financial year 2015-2016, the net deferred
There being only one CEO Mr. P. L. Kondurkar for the financial
tax liability of ` 114.75 lacs recognized.
year 2015-16 in terms of RBI circular dated 29th March 2003,
he is being a Single party Covered under this category, no
Out of that, deferred tax liability of ` 109.00 Lacs is on account
further details need to be disclosed.
of reversal of excess bad and doubtful debt provision(current
5. Disclosure under Accounting Standard - 19 Leases : & reversal of timing difference) and ` 5.75 lacs for current year
depreciation.
The bank has entered into cancellable operating lease for the
branches. 8. Intangible Assets :

Lease payments of ` 856.80 Lacs have been recognized in Details of computer software included in computers in
the Profit and Loss for year being minimum lease payments. accordance with AS-26 on Intangible Assets issued by the
The lease agreements entered into pertain to use of premise ICAI are as under :
at the branches.
(` in Lacs)
6. Disclosure under Accounting Standard-20 Earning per
Opening balance as on 01.04.2015 ` 82.54
Shares :
Additions during the year ` 56.50
Basic and diluted Earning per share as on 31.03.2016
Less : Depreciation ` 58.32
is ` 4.28.
Closing balance as on 31.03.2016 ` 80.72
Particulars 31.03.2016 31.03.2015
Net Profit after tax 1,754.35 2,165.75 9. There is no material impairment of any of assets in the opinion
Basic and diluted of the bank. Hence no provision under AS-28 for Impairment
Earnings per share 4.28 5.62 of Assets is required.

25
(ceequms Mes[egu[ yeBke)
10. Other Notes : Ashta Urban Co-operative Bank Ltd and Balbhim
Co-operative Bank Ltd) on the date of acquisition
a. Effect to cost of acquisition of merged bank :
amounting to ` 107.52 Lacs, ` 102.39 Lacs and ` 263.82
In the current year, the Bank has amortized an amount of Lacs respectively is transferred to Share Collection
`107.85 Lacs for merger loss of "Erstwhile Banks" Balbhim account, same will be paid in accordance with the terms
Co-operative Bank Ltd. specified in the aforesaid order. This amount is disclosed
under head "Other Liabilities".
During the year F.Y.2008-09, the Bank had acquired Care
Co-operative Bank Ltd, Mumbai. As directed by merger c. The bank has written off an amount of ` 496.75 Lacs
order, Cost of Acquisition of ` 626.55 lacs was completely towards bad debts which are identified by the
provided for till March 31, 2013. management as irrecoverable, approved by the Board of
During the year F.Y.2010-11, the Bank had acquired Ashta Directors and certified by the statutory auditors. The same
Urban Co-operative Bank Ltd, Ashta. As directed by is adjusted against Bad and Doubtful Debt Reserve. This
merger order, Cost of Acquisition of `1536.92 lacs was amount has been fully provided for in the earlier years.
completely provided for till March 31, 2015.
11. Previous year's figure are regrouped or rearranged, wherever
b. In accordance with the "Merger order", the Share capital of necessary, to confirm to the layout of the accounts of the
the "Erstwhile Banks"(i.e. Care Co-operative Bank Ltd, current year.

26
(Multi State Scheduled Bank)

CASH FLOW STATEMENT FOR THE YEAR ENDING AS ON 31st MARCH 2016 (` in Lakh)

PARTICULARS 31/03/2016 31/03/2015


AMT. ( ` ) AMT. ( ` ) AMT. ( ` ) AMT. ( ` )
A) CASH FLOW FROM OPERATING ACTIVITIES
Net Profit after tax as per Profit & Loss A/c 1,754.35 2,165.75
(+) / (-) Adjustment to reconcile net income to
net cash provided by operating activities
Depreciation 649.81 606.81
Merger Loss w/off 107.85 409.21
Amortisations & Provisions 535.29 133.08
Special Reserve u/s 36(1)(viii) 124.29 101.00
Excess Provision for BDDR & IDR w/back - -166.94
Income from Sale of Investments -403.94 -598.77
Income from Sale of Asset -0.43 -0.30
Loss on Shifting of investment 15.61 -
(+) / (-) Working Capital Adjustments
Decrease in Overdue Interest -43.36 316.37
Increase in Deposits 61,143.87 37,537.92
Increase in Interest Payable 33.01 30.38
Increase in Branch Adjustment 401.23 -221.73
Increase in Other Liabilities 685.15 1,291.23
Decrease in Interest Receivable -180.91 -564.16
Increase in Loans & Advances -29,453.43 -26,249.46
Increase in Other Assets -13.03 -174.64
Utilisation of Reserves -62.08 -151.29
(+) / (-) Income Taxes Paid -941.21 -394.79
Net Cash provided by Opertaing Activities (A) 34,352.06 (A) 14,069.67
B) CASH FLOW FROM INVESTMENT ACTIVITIES
Increase in Investments (Net) -12,950.85 -1,870.79
Increase in Interest Receivable -80.04 -98.27
Increase (Net) in Fixed Assets -1,160.12 -585.50
Sale Proceeds of Fixed Assets 1.55 0.42
Income from Sale of Investment 403.94 598.77
Net Cash provided by Investment Activities (B) -13,785.53 (B) -1,955.37
C) CASH FLOW FROM FINANCING ACTIVITIES
Increase in Share Capital 419.97 835.39
Dividend Paid -1,118.65 -1,196.05
Net Cash provided by Financing Activities (C) -698.67 (C) -360.66
CASH GENERATED DURING THE YEAR (A)+(B)+(C) 19,867.85 (A)+(B)+(C) 11,753.64
Opening Cash and Cash Equivalent 41,854.26 30,100.60
Closing Cash and Cash Equivalent 61,722.12 41,854.26

27
(ceequms Mes[egu[ yeBke)
DISCLOSURE AS PER RBI GUIDELINES (` in Lakh)

Sr. No. Particulars 31.03.2016 31.03.2015


1 Capital to Risk Asset Ratio (CRAR) 13.16 13.19
2 Movement of CRAR
a) Total Capital Funds 26,945.60 22,245.72
b) Risk weighted assets 204,797.97 168,594.84
3 Values of Investments are as under :
Government / Approved Securities - (SLR)
a) PERMANENT CATEGORY
Face Value 51,349.70 44,447.90
Book Value 51,825.15 44,393.31
b) CURRENT CATEGORY
Face Value 15,606.30 10,500.00
Book Value 15,461.82 10,639.93
Market Value 15,644.92 10,693.65
Bonds of Public Sector Undertakings
Shares in Co-operative Institution 15.12 15.12
Total Face Value (of Investments) 66,971.12 54,963.02
Total Book Value (of Investments) 67,302.09 55,048.36
Total Market Value (of Investments) 67,470.07 55,086.96
4 Advances against Real Estate, Construction
Business, Housing
Real Estate - -
Mortgage Loan 11,368.15 9,871.86
Construction Business - -
Housing 16,868.90 16,609.82
5 Advances against Share & debentures - -
6 Foreign currency Assets /Liabilities NIL NIL

(` in Lakh)

7 Particulars FUND BASED NON-FUND BASED


31.03.2016 31.03.2015 31.03.2016 31.03.2015
a) Directors # 15.60 17.85 - -
b) Relatives of Directors 6.27 8.05 - -
c) Companies / Firm in which Directors are interested 1241.67 1307.93 Nil Nil
Total 1263.54 1333.83 Nil Nil

28
(Multi State Scheduled Bank)

(` in Lakh)
Sr. No. Particulars 31.03.2016 31.03.2015
8 Average cost of deposits 7.93 8.05
9 NPAS
a) Gross NPAs 9,941.67 8,137.50
b) Net NPAs 5,389.92 4,039.38
c) Percentage of gross NPAs to total advances 4.91 4.69
d) Percentage of net NPAs to net advances 2.73 2.39
10 Movement in NPA
Opening Balance, 8,137.50 6,361.75
Add : Additions during the year 3,951.43 4,360.26
Less : Closed/Recovered/Written Off 2,147.26 2,584.51
Closing Balance 9,941.67 8,137.50
11 PROFITABILITY
A. Interest income as a percentage of working funds 10.18 10.24
B. Non-interest income as a percentage of working funds 0.59 0.72
C. Operating profit as a percentage of working funds 1.14 1.41
D. Return on Assets (Net Profit/Average of working funds) 0.59 0.83
E. Business (Deposits + Advance) per employee 750.22 738.37
F. Profit per employee 2.55 3.76
12 A. Provisions on NPAs required to be made 3,967.25 3,689.71
B. Provisions on NPAs actually made 4,551.75 4,098.12
D. Provisions required to made for Overdue interest taken into
income account, provident fund and arrears in reconciliation
of inter-branch account etc.
i) Provision required to be made for Gratuity Fund 1,581.93 1,538.09
ii) Provision actually made for Gratuity Fund 1,581.93 1,538.09
E. Provision required to be made on depreciation in investments 310.12 310.12
F. Provision actually made on Depreciation in investments 310.15 310.15
13 Movement in provisions
A. Towards NPAs
Opening Balance 4,098.12 3,858.12
Add : Additions during the year 950.38 580.00
Less : Closed/Recovered / Written Off 496.75 340.00
Closing Balance 4,551.75 4,098.12
B. Towards Standard Assets
Opening Balance 662.86 562.95
Add : Additions during the year 107.14 99.91
Closing Balance 770.00 662.86
C. Towards Overdue Interest taken into income
Opening Balance - -
Add : Additions during the year - -
Closing Balance - -

29
(ceequms Mes[egu[ yeBke)
(` in Lakh)

Sr. No. Particulars 31.03.2016 31.03.2015


14 Movement in provisions
A. Towards Depreciation on Investments
Opening Balance 310.15 377.09
Add : Additions during the year - 0.01
Less : Provision Reverse - 66.95
Closing Balance 310.15 310.15
15 Movement in provisions
A. Towards Gratuity Fund
Opening Balance 1,538.09 1,187.61
Add : Additions during the year LIC 171.53 399.33
Less : Provision Reverse 127.69 48.85
Closing Balance 1,581.93 1,538.09
B. Towards Provident Fund
Opening Balance - -
Add : Additions during the year - -
Closing Balance - -
16 Movement in provisions
A. Towards inter Branch Account
Opening Balance - -
Add : Additions during the year - -
Closing Balance - -
B. Towards inter-Bank Account
Opening Balance - -
Add : Additions during the year - -
Closing Balance - -
17 Payment of insurance premium to the DICGC, Including arrears,
if any DICGC premium paid upto 30/09/2016 263.71 225.99
18 Penalty imposed by RBI for any Violation Nil Nil

(` in Lakh)

19 (a) Composition of Non SLR Investments


Amount Extent of 'below Extent of Extent of
No. Issuer Investment grade' unrated 'unlisted'
Securities Securities Securities
1 PSUs Nil Nil Nil Nil
2 Fls Nil Nil Nil Nil
3 Nationalised Banks' Nil Nil Nil Nil
4 Others Nil Nil Nil Nil
5 Provision held towards depreciation Nil Nil Nil Nil
TOTAL Nil Nil Nil Nil

30
(Multi State Scheduled Bank)

(` in Lakh)

19 (b) Non Performing Non-SLR Investments


Amount
Particular 31.03.2016 31.03.2015
Opening Balance 310.12 316.37
Additions during the year Since 0 -
Reduction during the above period 0 6.25
Closing Balance 310.12 310.12
Total Provisions held 310.15 310.15

(` in Lakh)

19 (c) Repo Transactions


Particulars Minimum o/s Maximum o/s Daily average o/s o/s as on
during year during year during year 31.03.2016
Securities sold under Repo Nil Nil Nil Nil
Securities purchased under Reverse Repo 200.00 1800.00 108.62 Nil

(` in Lakh)

20 Details of restructured Advances are given below during the year 2015-16
Particulars of Accounts Restructured as on 31.03.2016 Housing SME Debt Others
Loans Restructure
Standard advances No. of Borrowers - - 1
Restructured Amount outstanding - - 122.54
Sacrifice (diminution in the fair value) - - -
Sub standard No. of Borrowers - - -
advances Amount outstanding - - -
Restructured Sacrifice (diminution in the fair value) - - -
Doubtful advances No. of Borrowers - - -
Restructured Amount outstanding - - -
Sacrifice (diminution in the fair value) - - -
Total No. of Borrowers - - 1
Amount outstanding - - 122.54
Sacrifice (diminution in the fair value) - - -

31
(ceequms Mes[egu[ yeBke)

SR. NO. BRANCH NAME ADDRESS PHONE NO.

MUMBAI

1 Naigaon Apna Bazar Bldg., 1st Floor, 022-21427875


Govindji Keni Marg, Naigaon - 400 014. 022-24163947
022-24154054

2 Lower Parel (West) Matulya Centre, Senapati Bapat Marg, 022-24947332


Lower Parel, Mumbai - 400 013. 022-24947331

3 Dr. Ambedkar Road 4/5/6, Dhanu Building, Dr. Ambedkar Road, 022-24130752
Parel, Mumbai - 400 012. 022-24110708

4 Dadasaheb Sarfare A-4/5, Royal Industrial Estate, 022-24148481


Chowk (Wadala) Wadala (W), Mumbai - 400 031. 022-24132297

5 Parel Main Apna Bank Bhavan, Dr. S. S. Rao Road, 022-24102155


Parel, Mumbai - 400 012. 022-24102153

6 Dadar (West) MadhuKala Hsg Soc, R.K Vaidya Road, 022-24328336


Dadar (W), Mumbai - 400 028. 022-24328337

7 Kalachowki Ground floor, Jaihind Cinema, CS. No. 770,


Dr. Babasaheb Ambedkar Road, Kalachowki, Mumbai - 400 033.

CENTRAL

8 Powai Daffodil, 1st floor, Hiranandani Garden, 022-25702614


Powai, Mumbai - 400 072. 022-25703097

9 Kurla (West) Shatrunjay Complex, C-Wing, 022-26501515


Tanaji Chowk, Kurla (W), Mumbai - 400 070. 022-26527830

10 Bhandup (West) Shiv Sagar Complex, Ashok Kedare Chowk, 022-25942423


Tembhi Pada Road, Bhandup (West), Mumbai - 400 078. 022-25942193

11 Ghatkopar (East) Shivaji Shikshan Sansthan, New building,


Ground Floor, Dr. Ankush Shankar Gawde Marg, 022-25010138
Pant Nagar, Ghatkopar (E), Mumbai - 400 077. 022-25010139

12 Vikhroli (East) Br. Nath Pai Shikshan Prasarak Mandal, Ground Floor,
Vikhroli Vidyalay, Tagore Nagar No. 3, 022-25747011
Vikhroli (E), Mumbai - 400 083. 022-25747012

13 Thane (West) Everest Samrudhhi, Bhasker Colony,


Mahatma Gandhi Road, Opp.Times of India, 022-25406161
Navpada, Thane (W) - 400 602. 022-25306161

14 Dharavi 1st floor Kamraj Co-operative Hsg Society, 022-24091410


90 feet Road, Dharavi, Mumbai - 400 017. 022-24091411

15 Mulund Shiv Siddhi Apartments, Plot No 6/A, G.V. Scheme, 022-21638661


Road No 1, Mulund (East), Mumbai - 400 081. 022-21638662

16 Pratiksha Nagar M2 Co-op Hsg Soc, D wing, Gala No 1 to 6, 022-24028000


Pratiksha Nagar, Sion, Mumbai - 400 022. 022-24028001

32
(Multi State Scheduled Bank)

SR. NO. BRANCH NAME ADDRESS PHONE NO.

17 Dombivali Shreesneha Shiv Mandir Road, 0251-2861251


Opp Sukh-Sagar Dairy, Dombivali (East). 0251-2861252

18 Bhiwandi 223, Durga Krupa, Teli Pada, Agra Road, 02, 02522-254411
Dhamankar Naka, Bhivandi, Dist. Thane - 421 302. 02522-254412

19 Ambernath Mandar Apartments, Shop No. 1 & 2, Ground Floor,


Near Shiv Sena Office, Vadavli Section, 0251-2600017
Ambernath (East), Dist. Thane - 421 501. 0251-2600018

20 Kalyan Vedmantra Apartments, Ground Floor, Ghodekhat Lane, 0251-2315208


Agra Cross Road, Kalyan (West), Dist. Thane - 421 301. 0251-2315209

21 Badlapur Shop No.1 to 6, Ground Floor, Saraswati Co-op. Hsg. Soc.,


Opp. Kalyanvastu Hall, Near Atithi Hotel,
Kulgaon, Badlapur (East), Dist. Thane - 421 503. 0251-2695221

22 Ghodbunder Shop No. 5 &6, shree Maa Bldg. Trust, Patli Pada, 022-25862955
Ghodbunder Road, Hirannandani Estae, Thane - 400 607. 022-25862957

23 Diva Dhanraj Recidency, Shop No. 4 & 5, 022-25318616


Dhanraj Nagar, Diva (E), Thane. 022-25318617

24 Ulhasnagar Prem Yash, Shop No. 1,2,3, Ground floor, Brk No. 802/1, 0251-2700740
Near Hira Society, Link Road, Ulhasnagar, Thane - 421 003. 0251-2700739

25 Chembur Shop No. E - 4,5,6, Mary Land Aprtment CHS, CTS No.1311, 022-25282270
D. K. Sandu Marg, Sandu Wadi, Chembur, Mumbai - 400 071. 022-25282271

26 Ghatkopar (W) Shop No. 1,2,3,4, 1a, 2a, Samarpan Co-op. Hsg. Soc. Ltd.,
Plot No. 58/89, Sant Narshi Mehta Marg, 022-25155575
New Maneklal Estate, Ghatkopar (W), Mumbai - 400 086. 022-25155576

27 Mulund West Shop No. 2,3,4, CTS No. 1315 & 1316, Ground Floor,
Bhagyashree Apartment, Junction of Ganesh Gawade Road & 022-25919828
Ambedkar Road, Mulund (W), Mumbai - 400 080. 022-25919829

28 Shilphata, Kalayan Choudhari House, 1/8 house No. 17, Katai,


Kalyan Shillphata Road 421204 Dist. Thane - 421 204.

29 Vangani (E) Plot No. 2, Surey No. 17 B, Gut No. 126, Station Road,
Near Gurudeo Market, Vangani (East), Dist.- Thane - 421 503.

30 Karjat Gr. floor & first floor,


Karjat Muncipal Council's Administration Building,
CTS No. 8A, Mouje Karjat, Dist.- Raigad - 410 201.

WESTERN

31 Andheri 1st floor, Apna Bazar Bldg, 022-26744861


J. P. Road, Andheri (W), Mumbai - 400 058. 022-26743080

32 Jogeshwari (East) Ratna Sindhu Bldg. Bal Vikas Vidya Mandir, 022-28306699
Meghwadi, Jogeshwari - 400 060. 022-28302700

33
(ceequms Mes[egu[ yeBke)

SR. NO. BRANCH NAME ADDRESS PHONE NO.

33 Malad (East) Shagun Bldg., Rani Sati Marg, 022-28784411


Near Old Railway Crossing, Malad (E), Mumbai - 400 038. 022-28784422

34 Malad (West) Shyam Sadan, Mith Chowki, 022-28820732


Marve Link Road, Malad (W), Mumbai - 400 064. 022-28800470

35 Dindoshi (Goregaon East) Gourav Appt., Gokuldham, 022-28400446


Gen.Arunkumar Vaidya Marg, Goregaon (E), Mumbai - 400 063. 022-28404559

36 Kandivli (West) - Charkop Sector No 5. Apna Bazar Bldg, Dr.Ambedkar Road, 022-28688666
Charkop, Kandivli (W), Mumbai - 400 067. 022-28699444

37 Borivali (East) Indraprasta C-op Soc.Datta Pada, 022-28706127


Borivali (E), Mumbai - 400 066. 022-28705129

38 Vasai (East) Vasant Building, Agrawal Naka, Sativali Road, 0250-6901010


Vasai (E),Taluka Vasai, District : Thane - 401 208. 0250-2023622

39 Bhayander (East) Ritu Horizon, Ground Floor, Commercial Wing,


100 wide Kanakia Road, Near Ankur Building,
Bhayander Kashimira Cross Road, 022-28110020
Bhayander (East), Dist. Thane - 401 107. 022-28110021

40 Virar Shop No. 6 & 7, Gr. & 1st floor, Vidya Sadan, 0250-2524410
Manvel Pada Road, Virar (E) Dist - Thane. 0250-2026006

41 Goregaon West Plot No. 1st Floor, Ganesh Niwas, Lokmanya Tilak Road, 022-28746847
No. 1, M. G. Road, Goregaon (W), Mumbai - 400 104. 022-28746848

42 Dahisar Branch Shop No. 7,8,9, Ground floor, Girnar Tower, Junction of S.V. Road & 022-28483924
S. N. Dubey Road, Dahisar (E), Mumbai - 400 071. 022-28486925

43 Nalasopara (E) Shop No. 11 to 16, Tuljeshwari Hill, Survey No. 40, Ambavadi,
Rambhau Nagar, Tulinj, Nallasopara (E), Dist - Palghar - 401 209.

44 Bandra (E) Shop No. 1, 2 & 3, Monarch, Gandhi Nagar Varsha CHS Ltd.,
Gandhi Nagar, Bandra (E), Mumbai - 400 051.

NAVI MUMBAI

45 Vashi 2-A, Central Facility Builging No.II, Plot No. 13, Sector -19, 022-27897881
APMC Market, Vashi, New Mumbai - 400 709. 022-27897882

46 Panvel Shantiniketan Public School, Plot no 27, Sector No 2, 022-27483366


New Panvel, New Panvel - 400 706. 022-27469944

47 Kamothe Pratapgadh CHS, Sector No. 34, 022-27430627


Plot No. 37, Kamothe, Navi Mumbai. 022-27430628

48 Taloja 362, Nawda Phata, Near MIDC Bridge, 022-27412811


Mumbra Pune Road, Taloja, Navi Mumbai. 022-27412812

49 Kharghar Gr. floor, Rahul Apartment, shop No. 25, 26 & 27, 022-27747580
Plot no. E 125, Sector 12, Kharghar, Navi Mumbai - 410 210. 022-27747581

34
(Multi State Scheduled Bank)

SR. NO. BRANCH NAME ADDRESS PHONE NO.

50 Koparkhairane Shop No. 1,2,3,4, Gr.Fl., Shree Siddhivinayak Tower, 022-27555203


Plot No. 76/77, Sector-5 , Koparkhairane, Navi Mumbai - 400 709. 022-27555204

51 Airoli Shop No. 1&2, Plot No. 76/77, Ground Floor, 022-27791486
Riddhi Siddhi Heights CHS, Sector-19, Airoli, Navi Mumbai - 400 708. 022-27791487

52 Ulwe Shop No. 10, 11, 12, Om Sai Shrushti building,


Plot no. 31, Sector 17, Ulwe, Navi Mumbai - 410 206.

53 Nerul (East) Ashirwad Apartment, F2, Shop No. 11 & 12,


Sector 3, Nerul (East), Navi Mumbai - 400 706.

KOLHAPUR

54 Shivaji Peth 2402/2 A Ward, Ubha Maruti Chowk, 0231-2621958


Shivaji Peth, Dist. Kolhapur. 0231-2623258
0231-2622958

55 Timber Market 792/1/2 B, A Ward, Kalamba Road, Dist. Kolhapur. 0231-2627658

56 Fulewadi Plot No.359, Mahatma Phule Hous. Soc., Fulewadi, Dist.: Kolhapur. 0231-2631717

57 Sadar Bazar C.S No. 233, Plot No.12/13, Flat No 7, 8 E ward,


Sardar Bazar, Dist. Kolhapur. 0231-2650058

58 Kshirsagar 2053/A1, C ward, Mindh Complex, Dist. Kolhapur. 0231-2542221

59 Rajarampuri C.S No1382 E ward, Shivaji Vidyapeeth Road,


Rjarampuri, Dist. Kolhapur. 0231-2521078

60 LaxmiPuri 883 K, C Ward, Next to Uma Talkies, Laxmi Puri, Dist. Kolhapur. 0231-2640658

61 Bambavde Bauchkar Bldg, at Post Bambavde, Taluka Shahuvadi, Dist. Kolhapur. 02329-234484

62 Gadinglaj Makanwar Complex, Main Road, Gadinglaj, Dist. Kolhapur. 02327-224340

63 Gargoti S. S. No.1277, Wani galli, Gargoti, Taluka Bhudargad, Dist. Kolhapur. 02324-221476

SANGLI

64 Ashta Bhawkari Road, At Post Ashta, Taluka Walwa, Dist. Sangli - 416 301. 02342-243927/28

65 Sangli - Pethbaug Shrishallya Apartment, Harbhat Road,


Opp Arwade Highschool, Sangli - Pethbaug, Pin - 416 416. 0233-2322489

66 Miraj Patwardhan Wada, Near Adarsha Mangal Karyalaya,


Laxmi Market, Savarkar Chowk, Miraj, Dist. Sangli - 416 410. 0233-2223089

67 Walva Hutatma Chowk, Walva, Taluka Walva, Dist. Sangli - 416 313. 02342-267525

68 Islampur Shakuntala Niwas, Ground floor,


Kacheri Road, Islampur, Dist. Sangli - 415 409.

KOKAN

69 Devrukah Ward No 2, House no 644, Avdhoot Krupa Bldg,


Devrukh Bazarpeth, Post Devrukh, Taluka Sangameshwar,
District Ratnagiri - 415 804. 02354-240300

35
(ceequms Mes[egu[ yeBke)

SR. NO. BRANCH NAME ADDRESS PHONE NO.

70 Kankavli A-5,7,8 Bandal Complex, Mumbai Goa Highway, 02367-231981


Tal. Kankavli, Dist. Sindhudurg - 416 602. 02367-231982

71 Ratnagiri NAVKAR Plaza, First floor, 'A' wing, Shop no. 114, 115, 116,
Near Shirke Cottage, Ratnagiri - Kolhapur Highway,
Maruti Mandir Circle, Ratnagiri - 415 612.

72 Khed Shop No. 6, 7, & 14 & 15, ground floor, Mukadam Landmark,
Bldg. No. 1, Survey No. 22 A-1, Hissa No. 2 A 1 2,
Khed, Dist. - Ratnagiri - 415 709.

NASHIK

73 Nashik Rahul Prasad, Mahatma Nagar, ABB Circle, Trimbak Road, Nashik. 0253-2360028

PUNE

74 Pune 47/1, B. O. Bhavan, Ground Floor,


Pune-Satara Road, Pune - 411 037. 020-24226300

75 Erandawane Kalpana Tarang, Shop No. 4, 42/9,


Maharshi Karve Road, Erandawane, Pune - 411 004.

RAIGAD

76 Uran Shree Krupa Hsg. Soc., Groud Floor, Uran Kamatha Road, 022-27223740
Near Vimal Talav, Uran, Dist - Raigad. 022-27223741

GOA

77 Mapusa Chalta No. 129 of P. T. Sheet No. 147, 0832-2255344


Mapusa, Goa - 403 507. 0832-2255345

78 Margao Shop No. 1, 2 & 3, Ground floor,


Laxmi Building, below Cine-Lata Theater, New Market,
Behind Margao Muncipal Building, Margao - Goa - 403 601.

SATARA

79 Satara Adarsh Corner, Sr. No. 287/1 to 7/6, Plot No. 3,


Shop no. 4, 5, 6, 7, 8 & 9, Radhika Road,
Opp. Hotel Rajtara, Karanje, Satara - 415 001.

80 Karad 35 A/1, Ekopa building, Mangalwar Peth,


Karad, Dist. Satara - 415 110.

36
(Multi State Scheduled Bank)

Amendments in Bye-Laws
Bye-Law
Present Bye-Law Proposed Amendment Reason for Amendment
No.
9 Withdrawal from Membership Withdrawal from Membership Reason for Amendment

i) A member may withdraw and resign i) A member may withdraw and resign In a competitive scenario many loan
his membership after five years and his membership after one year and accounts are taken over by other
after giving at least 3 months notice in giving at least 3 months notice in banks or closed. Under such
writing and withdraw his share capital writing and withdraw his share capital circumstances, the Borrower/s prefers
with the approval of the Board of with the approval of the Board of to surrender the shares. The said
Directors. The approval shall not be Directors. The approval shall not be quantum may increase in future. In
given while such a member is given while such a member is indebted addition, at the time of Write off, shares
indebted, to the Bank either as a to the Bank either as a borrower or as a of the Borrowers are redeemed.
borrower or as a surety. During any co- surety. During any cooperative year,
operative year, the aggregate the aggregate withdrawals shall not
withdrawals shall not exceed 10% of exceed 10% of the total paid-up share
the total paid up share capital as at capital as at 31st March of the
31st March, of the preceding year. preceding year.

ii) A member who withdraws and ii) A member who withdraws and
resigns his membership shall not be resigns his membership shall not be
allowed to become a member again for allowed to become a member again for
a period of one year from the date of a period of one year from the date of
resignation. resignation.

PROGRESS AT A GLANCE (` in Crores)

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
Share
Capital 5.28 6.64 9.59 13.13 18.13 22.25 27.37 36.08 47.58 59.71 74.04 92.10 100.45 104.65
Reserve
Fund 61.52 71.25 81.53 95.17 107.52 120.95 129.56 134.26 221.13 233.3 204.15 182.60 185.49 279.5
Owned
Fund 66.8 77.89 91.12 108.3 125.65 143.20 156.94 170.34 268.72 293.01 278.19 274.70 285.95 384.16
Investments 185.34 212.8 187.21 221.28 297.67 331.97 399.52 538.44 626.00 641.73 777.31 780.29 839.32 920.32
Deposits 364.22 428.36 479.79 550.7 651.85 736.05 822.95 1062.63 1284.08 1571.62 1861.29 2144.14 2519.52 3130.96
Loans &
Advances 224.33 274.53 362.68 416.59 458.50 507.24 546.9 641.34 787.28 1049.56 1187.38 1470.98 1733.47 2023.04
Business
Mix 588.55 702.89 842.47 967.29 1110.35 1243.29 1369.85 1703.97 2071.36 2621.18 3048.67 3615.12 4252.99 5154.00
Working
Capital 459.46 547.03 613.36 702.34 826.33 896.26 1012.68 1267.12 1599.8 1829.37 2188.1 2415.25 2816.78 3439.67
Gross
Profits 11.96 11.70 11.58 14.90 16.95 22.88 17.78 22.39 28.83 30.85 20.13 25.97 36.90 33.68
Net Profits 2.12 4.11 5.05 5.74 5.25 9.8 12.84 15.12 15.7 16.86 17.96 19.41 21.65 17.54
Dividend (%) 15 15 15 15 15 15 15 15 15 15 15 15 12 10
Audit Class A A A A A A A A A A A A A A
No. of
Branches 13 13 13 13 13 14 17 19 29 46 50 53 56 65

37
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meew. peesleer ekeeMe eees eer. Deevebo ceneosJe ueesKeb[s eer. nefjeb yeUJeble Ieeie

38
(Multi State Scheduled Bank)

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39
(ceequms Mes[egu[ yeBke)

ANNEXURE - A
Name of the Bank : Apna Sahakari Bank Ltd.
Registered Office : 106/A, Govindji Keni Road,
Naigaon, Mumbai - 400 014.
Corporate Office : Apna Bank Bhavan, Dr. S. S. Rao Road,
Parel, Mumbai - 400 012.
Date & No. of RBI : No.ACD.MH.5-P
Licence : Dated 13.03.1968
Date of Registration : BOM/BNK - 107 Dated 18.01.1968
Registration No. & Date (Multi-State) : DMSCS/CR/816/2013 Dated 29.04.2013
Jurisdiction : Maharashtra, Goa, Karnataka and Gujarat States
Position as on 31st March 2016 (` in lac)
No. of Branches (including H.O.) : 66
Membership - Regular : 49400
Nominal : 809
Paid up Share Capital : 10465.32
Total Reserve Funds : 27950.30
Deposits - Savings : 55709.95
Current : 10031.27
Fixed : 247355.09
Total : 313096.31
Advances - Secured : 197202.95
Unsecured : 5101.11
Total : 202304.06
Total % of
Priority Sector : 54.26%
Weaker Section : 14.73%
Investments : 92032.12
Overdues (%) : 4.66%
Audit Classification 2015-16 : A
Profit for the year : 1754.35
Total Staff/Sub-Staff/Other Staff : 687
Working Capital : 343967.27

40