96 th annual report 2012-2013 · th annual report 96 2012 - 2013
Post on 26-Apr-2020
10 Views
Preview:
TRANSCRIPT
thANNUAL REPORT2012 - 201396
96 ì`m dm{f©H$ gd©gmYmaU g^oMr
{X H$amS> A~©Z H$mo-Am°n. ~±H$ {c., H$amS>Mr 96 dr dm{f©H$ gd©gmYmaU g^m
`oWo KoÊ`mV `oUma Amho. `mg^oV Imcrc {df`m§Mm {dMma hmoB©c.
a{ddma {X. 4 Am°JñQ> 2013 amoOr gH$mir 11.30 dmOVm ~±Ho$Mo _w»`H$m`m©c`, emhÿ Mm¡H$, 516/2, e{Zdma noR>, H$amS>
gyMZm(\$ŠV g^mgXm§gmR>r)
g^onwT>rc {df`
gXa g^og ~±Ho$À`m gd© g^mgXm§Zr CnpñWV ahmdo Aer Z_« {dZ§Vr Amho.
_m. g§MmcH$ _§S>imÀ`m AmXoemZwgmagrE. [X. _. Jwad
_w»` H$m`©H$mar A{YH$marñWi :{X. :
H$amS17.07.2013
Q>rn :-1. g§MmbH$ _§S>imMm Ahdmb, Vmio~§X d Z\$m-VmoQ>m nÌH$ ho ~±Ho$À`m Zm|XUrH¥$V _w»`
H$m`m©b`mV Am{U gd© emIm§_YyZ g^mgXm§gmR>r nyd©gyMZoZwgma CnbãY H$ê$Z XoÊ`mV`oB©b.
2. ~±Ho$Mr do~gmB©Q> da g§MmbH$_§S>imMm Ahdmb, Vmio~§X dZ\$m-VmoQ>m nÌH$à{gÕ Ho$bm Amho.
3. JUnyVuA^mdr g^m VhHy$~ Pmë`mg Ë`mM {Xder Ë`mM {R>H$mUr nyd©Kmo{fV doioZ§Va EH$mVmgmZo ~±Ho$À`m nmoQ>{Z`_ H«$_m§H$ 24 _Yrc VaVwXrZwgma KoVcr OmB©c. `m g^oVJUg§»`m Zgcr Var darc gyMZoV Z_yX Ho$coë`m {df`m§MmM {dMma Ho$cm OmB©c.
4. Á`m g^mgXm§Zm {df` n{ÌHo$Vrc àíZ qH$dm _m{hVr {dMmamd`mMr Agoc Ë`m§Zr Vgo coIrnÌ {X. 27 Owc¡ 2013 n`ªV _w»` H$m`m©c`mV AmUyZ Úmdo.
5. ZdrZ ghH$mar H$m`Úmg AZwgê$Z CnpñWV g^mgXm§Zm g^og CnpñWV am{hë`m~ÔbMoCnpñWVr à_mUnÌ XoÊ`mV `oUma Amho. gXa CnpñWV à_mUnÌ g^m gyMZmnÌmMm ^mJAgë`mZo g^oMr gyMZm àV d \$moQ>mo AgUmao AmoiInÌ ~amo~a Agë`m{edm` g^mJ¥hmVàdoe {Xbm OmUma Zmhr `mMr H¥$n`m Zm|X ¿`mdr
www.karadurbanbank.com
96th Annual General Meeting
(Only for Members)
NOTICE
AGENDA
Members are hereby requested to attend the meeting.
By Order of the Board of DirectorsCA. D.M.Gurav
CHIEF EXECUTIVE OFFICER
Place :DATE :
KARAD17/07/2013
NOTE :-1. Annual Report, Balance-Sheet & P/L Account will be made available on pre
intimation of the members at registered Head Office & all branches of theBank.
2. Annual Report, Balance-Sheet & P/L Account is published on Bank's website"www.karadurbanbank.com."
3. If there is no quorum the meeting will stand adjourned and the adjournedmeeting will be conducted after one hour as per provisions in Bye-Law No.24to transact the above business at the same venue.
4. Additional information, clarification, pertaining to above business is require,members are requested to write to the Head Office on or before 27.07.2013.
5. Attendence Certificate as per amended Co-Op. Law will be given to membersattending the said meeting. Please note that, Attendence Certificate is thepart of this Notice. Entry in the meeting hall is allowed only with this Notice &Photo ID.
The 96th Annual General Meeting of the The Karad Urban Co-op. Bank
Ltd., Karad will be held on Sunday,
to
transact the following business.
4 Aug. 2013 at 11.30 a.m. at Head
Office of the Bank, 516/2, Shahu Chowk, Shaniwar Peth, Karad
th
1) {X. 07.04.2013 amoOr Pmboë`m {deof gd©gmYmaU g^oMm d¥Îmm§V dmMyZ H$m`_H$aUo.
2) gZ 2012-2013 dfm©À`m ~±Ho$À`m H$m_H$mOm~Ôb Ahdmb, Z\$m-VmoQ>m nÌH$dVmio~§X nÌH$_§Oya H$aUo.
3) gZ 2012-2013 À`m d¡Ym{ZH$boImnarjU AhdmbmMr Zm|X KoUo.4) gZ 2012-2013 À`m Z\$m dmQ>Urg _§Owar XoUo.5) gZ 2013-2014 gmbmH$[aVm d¡Ym{ZH$boImnarjH$m§Mr {Z`wº$s H$aUo d Ë`m§Mm
_ohZVmZm R>a{dUo.6) A) ~±Ho$Mr _hmamï´>ghH$ma H$m`ÚmÝd`o AgUmar Zm|XUr _ëQ>rñQ>oQ>H$mo- Am°naoQ>rìh
gmogm`Q>rO A°ŠQ>2002 AÝd`o ê$nm§VarV H$ê$Z H$m`©joÌ _hmamï´>, H$Zm©Q>H$Am{U JwOamV amÁ` H$aÊ`mg VgoM VX²AZwf§{JH${df`m§g _§Owar XoUo.
~) g§MmcH$ _§S>imZo _ëQ>rñQ>oQ> H$mo-Am°naoQ>rìh gmogm`Q>rO A°ŠQ>2002 AÝd`ogwM{dcoë`m Cn{dYtMm {dMma H$aUo d Ë`mg _§Owar XoUo.
7) _w»` H$m`m©c` B_maV àñVm{dV {dñVmarH$aU àH$ën IM© ê$. 10 H$moQ>r `mg _§OwarXoUo.
8) godH$à{ejU d g§emoYZ H|$Ð {dX`mZJaMr B_maV IaoXr H$aÊ`mg _§Owar XoUo.9) H$O© aŠH$_m ^aÊ`mgmR>r {Xboë`m gwQ>rg _§Owar XoUo.10) ñQ>mq\$J n°Q>Z©bm _§Owar XoUo.11) g§MmbH$d Ë`m§Mo ZmVodmB©H$`m§Zm {Xboë`m H$Om©Mr Zm|X KoUo.12) ^m§S>dbr IMm©g _§Owar XoUo.13) _mZZr` AÜ`jm§À`m nadmZJrZo EoZdoir `oUmè`m {df`m§da MMm© H$aUo.
1. To read and confirm the minutes of the Special General Meeting held on 07.04.2013.
2. To approve the Annual Report for the year 2012-2013 alongwith Balance - Sheetand Profit & Loss Account.
3. To take note of Statutory Auditor's Report 2012-2013.
4. To accord sanction to the appropriation of profit for the year ended 31-03-2013.
5. Toappoint Statutory Auditors for the year 2013 -2014 and fix their remuneration.
6.(A)
(B)
7. To Sanction the project of Rs.10 Crs. of the proposed expanssion of Head OfficeBuilding.
8. To Sanction the purchase of existing premises of Staff Training & Research Centreat Vidyanagar.
9. To confirm the waiver of interest and recovery charges in respect of OTS andcompromise borrowers cases, as certified by the statutory auditors.
10. To sanction the Staffing Pattern of the bank.
11. To take note of loans and advances sanctioned to Directors and thier relatives.
12. To confirm the Capital Expences.
13. To consider any other subject with the permission of the Chairman.
To consider and approve the proposal of conversion of bank (whichis registered under MCS Act 1960) under Multi State Co-op. Societies Act2002 and to extend the area of operation of the bank in the whole states ofMaharashtra, Karnataka & Gujarat and to approve all the matters related toit.
To consider and approve Bye-Laws as per Multi state Co-operative Societies Act2002, as recommended by the Board of Directors.
01
thANNUAL REPORT2012 - 201396
dm{f©H$ Ahdmb (2012-2013)
gÝ_mZZr` g^mgX ~§Yy ^{JZtZmo,31 _mM© 2013 AIoa g§ncoë`m Am{W©H$ dfm©Mm Ahdmc, Vmio~§X, Z\$m-VmoQ>m nÌH$ Am{U coImnarjH$m§Mm Ahdmc
g§MmcH$_§S>imÀ`m dVrZo gmXa H$arV Amho.
Am{W©H$ dfm©V {ZpíMV Ho$cocr C{Ôï>o gd© godH$, g§MmcH$ `m§Zr gm§{KH$ à`ËZm§Zr gmÜ` Ho$cr AmhoV. `m_Ü`o ~±Ho$MmJ«mhH$dJ©, g^mgX Am{U {hVqMVH$`m§Mo cm^coco `moJXmZ {ZpíMVM _hÎdnyU© Amho.
`§XmMo Am{W©H$df© g§{_l ñdê$nmMo hmoVo. _hmJmB© {ZX}em§H$m§V hmoUmar dmT>{Z`§{ÌV H$aÊ`mMo _moR>o AmìhmZ [aPìh© ~±Ho$nwT>ohmoVo. Ahdmc dfm©V 4.75 % dê$Z 4 % n`ªV gr.Ama.Ama.XamV H$nmV Pmcr. ~±qH$J B§S>pñQ´>Mm ì`dgm` dmT>rMm gamgar Xa18% hmoVm. Amnë`mhr
Ahdmc dfm©V ~±Ho$À`m R>odr ê$.259.64 H$moQ>tZr dmTy>Z Ë`m ê$.1666.98 H$moQ>r Pmë`m. R>odt_Ü`o 18.45% Zr dmT>PmcrAmho. Ahdmc gmcmV A~©Z eVmãXr R>od `moOZm gwê$H$aÊ`mV Amcr. gXa `moOZoA§VJ©V ê$.12.39 H$moQ>r R>odr g§H${cV Pmë`m,2017 AIoa Ë`m A§VJ©V ê$.100 H$moQ>r g§H$cZmMm g§H$ën Amho. Ahdmc dfm©V R>od C^maUr IMm©Mm gamgar Xa 8.34% BVH$mam{hcm Amho.
[aPìh© ~±Ho$Zo JVdfuÀ`m nVYmoaUmV ì`ŠV Ho$coë`m Anojog AZwgê$Z ~±Ho$Zo gd©gm_mÝ`m§gmR>r "~o{gH$goìht½O ImË`m§Mm'n`m©` CncãY H$ê$Z {Xcm Amho. {H$_mZ Amdí`H$H$mJXnÌm§Ymao, AmYma H«$_m§H$mer g§c¾ amhUmar Am{U "eyÝ`' {e„H$sda hrImVr CKS>cr AgyZ `m ImË`m§Zm H$moUVohr ewëH$AmH$maÊ`mV `oUma Zmhr. _mÌ E.Q>r.E_.gma»`m AË`mYw{ZH$gw{dYm CncãYH$ê$Z {Xë`m AmhoV. VgoM gaH$mar g~{gS>rÛmao {_iUmar a¸$_ àmá H$aÊ`mÀ`m gw{dYoMm cm^ gm_mÝ` J«mhH$m§Zm XoIrc hmoUmaAmho.
[aPìh© ~±Ho$Zo EH$m ImVoXmamgmR>r EH$M g§Ho$Vm§H$Agcm nm{hOo Ago {ZX}e {Xë`mZo J«mhH$åhUyZ ñdrH¥$V H$aÊ`mgmR>r _w»`H$m`m©c` nmVirda "H|$Ðr` J«mhH$ g§Ho$Vm§H$ H$j' gwê$ H$aÊ`mV Amcm. Ë`m_wio J«mhH$ åhUyZ ñdrH¥$VPmë`mda gd© àH$maÀ`m ì`dhmam§gmR>r àË`oH$doir ñdV§ÌnUo H$mJXnÌm§Mr nyV©Vm J«mhH$m§Zm H$amdr cmJUma Zgë`mZo ì`dhmagwc^Vm amIÊ`mg _XV hmoUma Amho. VgoM ~±H$d J«mhH$`m§À`m AZmdí`H$IMm©VXoIrc ~MV hmoUma Amho.
J«mhH$m§Zm ì`dhmam§Mr _m{hVr VmËH$mi {_iÊ`mÀ`m Am{U ì`dhma gwajoÀ`m Ñï>rZo Aën XamV Eg.E_.Eg. gw{dYm CncãYH$ê$Z {Xcr Amho.
Ahdmc dfm©V H$O©ì`dhmamV ê$.147.40 H$moQ>tZr dmT>Pmcr d EHy$U H$O©nwadR>m ê$.1073.42 H$moQ>r BVH$m Pmcm. H$O©dmT>rMo à_mU 15.92% BVHo$ AgyZ gr.S>r. aoemo 64.39% BVH$m am{hcm. gXa Am{W©H$ dfm©_Ü`o g_yh H$Om©gmR>r _hÎm__`m©Xm ê$.32 H$moQ>r Va d¡`{º$H$H$Om©Mr _hÎm_ _`m©Xm ê$.12 H$moQ>r hmoVr. AJ«H«$_ joÌmg {Xcoë`m H$Om©Mo EHy$U H$Om©er à_mU47.86% AgyZ Xþ~©c KQ>H$m§gmR>r EHy$U H$Om©À`m 12.30% nVnwadR>m Ho$cm Amho.
Ahdmc dfm©V H$O©nwadR>çmVyZ ê$.136.47 H$moQ>r ì`mO CËnÞ {_imco. JVdfm©er VwcZm H$aVm ê$.24.83 H$moQ>tZrË`m_Ü`o dmT>Pmcocr Amho.
ê$.10 cmImdarc {Z`{_V H$O©ì`dhma AgUmè`m J«mhH$m§Zm H«o${S>Q>aoQ>tJÛmao ì`mOXam_Ü`o 1.00 Vo 2.00 Q>̧ o$ gdcV{Xcr OmVo. Ahdmc gmcmV EHy$U 198 ImË`m§Zm `mMm cm^ {_iV Amho. Xadfu H«o$S>rQ>aoQ>tJMm \$m`Xm KoUmè`m J«mhH$m§À`mg§»`oV dmT>hmoV Amho.
~±Ho$Zo ì`dgm` dmT>rMo hoM à_mU amIÊ`mV `e {_i{dco Amho.
(Customer ID Cell)
Am{W©H$ àJVrR>odr :
H$O} :
02
thANNUAL REPORT2012 - 201396
^m§S>dc n`m©áVm à_mU :
WH$~mH$s d EZ.nr.E.
Z\$m {d^mJUr :
ì`dgm` dmT>r~amo~aM [añH$ doQ>oS>A°goQ>_Ü`o dmT Pmcr H$s ^m§S>dc n`m©áVm à_mUmda _`m©Xm `oVmV. JVdfu^m§S>dc n`m©áVm à_mU 11.39% EdT>o hmoVo. ì`dgm` dmT>r~amo~aM ~±Ho$Mr Z\$mj_Vm gwYmaë`mZo ho à_mU 11.60% BVHo$amIco Amho.
Ahdmc gmcmV ~±Ho$Zo dgwcrgmR>r ì`mnH$à`ËZ Ho$co. XþîH$mià^m{dV ^mJmVrc emIm§_Ü`o Ë`mda H$mhr _`m©Xm Amë`mAgë`m Var EH§$XarV dgwcrÀ`m AmKmS>rda g_mYmZH$maH$ H$m_{Jar Ho$cr AgyZ OwÝ`m EZ.nr.E. ImË`mVyZ CÎm_ dgwcrPmcocr Amho. ±Ho$Mr EHy$U EZ.nr.E. dgwcr ê$. 5.95 H$moQ>r§n`ªV Pmcr Amho. _mM© 2012 AIoa T>mo~i EZ.nr.E. Mo à_mU3.62% EdT>o hmoVo, Vo _mM© 2013 AIoa 4.34% n`§©V Va {Zìdi>EZ.nr.E. À`m à_mUmV JVdfuÀ`m VwcZoV dmT>hmodyZ Vo2.43% Amho. VgoM Ahdmc df©AIoarg WH$~mH$sMo à_mU 3.44% BVHo$am{hco Amho.
WH$~mH$s Am{U EZ.nr.E. ImË`m§À`m dgwcr~m~V H$O©Xmam§er àË`úm _wcmIVrÛmao g§dmX gmYyZ Ë`m§À`m AS>rAS>MUtdaCnm``moOZm R>a{dÊ`mV Amcr, H$mhr ~m~VrV {gŠ`wam`Q>oPeZ H$m`ÚmA§VJ©V H$madmB© H$aÊ`mdmMyZ n`m©` am{hcm Zmhr.XþîH$mimMm à^md, Am[W©H$ _§Xr `m_wio AZoH${dY H$m`Xoera _mJmªMm Adc§~ H$éZ XoIrcWH$~mH$s Am{U EZ.nr.E. Mo à_mU JVdfunoúmm dmT>coco Amho. _mÌ dfm©AIoarZ§Va cJoMM dgwcrMm H$mc~Õ H$m`©H«$_ hmVrKoÊ`mV Amcm Amho Am{U Ë`mg CÎm_ à{VgmX {_iV Amho.
_mM© 2013 AIoa ê$.25.98 H$moQ>tMm T>mo~i Z\$m Pmcm, Ë`mVyZ VaVwXr ê$.5.36 H$moQ>r d Am`H$a ê$. 7.38 H$moQ>r dOm
(CRAR)
~±
WH$sV H$Om©À`m dgwcrgmR>r
_hÎdmMo Am{W©H$ {ZîH$f© :
(ê$. H$moQ>rV)
g^mgX g§»`m
^mJ^m§S>dc
ñd{ZYr
gr.Ama.E.Ama.%
Zº$ EZ.nr.E.%
EHy$U CËnÞ
EHy$U IM©
T>mo~i Z\$m
VaVwXr
Am`H$a
{Zìdi Z\$m
48909
39.63
99.43
11.39
1.79
151.12
127.88
23.24
6.07
5.62
11.55
53176
47.30
120.20
11.60
2.43
193.52
167.54
25.98
5.36
7.38
13.24
4267
7.67
20.77
0.21
0.64
42.40
39.66
2.74
-0.71
1.76
1.69
2012-13 dmT>2011-12
03
thANNUAL REPORT2012 - 201396
1) J§JmOir (25%)
2) cm^m§e (10%)
3) B_maV {ZYr
EHy$U
Vnerc ê$n`o
33089063.20
42860078.15
56407111.46
132356252.81
g§MmcH$ d Ë`m§Mo ZmVodmB©H$ H$O}Ahdmc gmcmV g§MmcH$d Ë`m§À`m ZmVodmB©H$m§Zm [aPìh© ~±Ho$À`m {Z`_mà_mUo _wXV R>odrdarc H$Om©ì`{V[aº$AÝ` H$O}
Zì`mZo {Xcocr ZmhrV. _mÌ nydu {Xcocr H$O} {Z`{_V AmhoV. _hmamï´>gh.g§ñWm A{Y{Z`_ 1960 H$c_ 75(2) _YrcVaVwXrZwgma g§MmcH$d Ë`m§Mo ZmVodmB©H$`m§À`m H$Om©Mr _m{hVr Imcrcà_mUo :
Vnerc
g§MmcH$ H$O}
ZmVodmB©H$ H$O}
g§ñWm/àm. {c. H§$. Am{U BVa
EHy$U
39.24
44.83
150.73
234.80
36.58
58.11
21.40
116.09
42.49
48.35
119.17
210.01
33.33
54.59
52.96
140.88
---
---
---
---
dfm©À`m gwédmVrgXoUo a¸$_
Ahdmc dfm©VdmT> Pmcocr H$O}
Ahdmc dfm©V\o$S> Pmcocr H$O}
Ahdmc gmcAIoa {e„H$ H$O} WH$~mH$s
gaH$mar H$O©amoIo ì`dhma
AÜ`j / CnmÜ`j {ZdS
g^m
Ahdmc dfm©V gaH$mar amoIo ~mOmamVrc KS>_moS>tda gVH©$VoZo cj R>odyZ VgoM Ë`m~m~VMm Aä`mg H$ê$Z Amcoë`m g§YtMoê$nm§Va Zâ`m_Ü`o H$aUo eŠ` Pmë`mZo g§nyU© dfm©V `m ì`dhmamVyZ ê$.9.86 H$moQ>tMm Z\$m {_imcm Amho. Ahdmc gmcmVgaH$mar amoIo IaoXr {dH«$s_Yrc CcmT>mc ê$.4202 H$moQ>tMr AgyZ IaoXr d {dH«$sÀ`m EHy$U 622 ì`dhmam§VyZ hm Z\$m PmcmAmho. H$moAa ~±qH$J àUmcr_wio {ZYr ì`dñWmnZmV n`m©áVm R>odUo ghOeŠ` hmoV Agë`mZo {ZYrMr `mo½` Jw§VdUyH$ H$ê$ZH$_mc naVmdm {_idUo eŠ` Pmco Amho.
gZ 2012-2013 `m gmcmgmR>r dm{f©H$gd©gmYmaU g^oZ§Va 3 gßQ>|~a>2012 amoOr AÜ`j åhUyZ _mPr d CnmÜ`j åhUyZS>m°. amOrd Vwieram_ Am{hao `m§Mr {ZdS>Pmcr. gd©lr A{Zc BZm_Xma, amOrd _mo{hVo, {edmOramd OmYd Am{U A{Zc ~moYo`m§Mr ñdrH¥$V g§MmcH$åhUyZ {Z`wº$s H$aÊ`mV Amcr.
Ahdmc gmcmV Imcrcà_mUo EHy$U 64 g^m Pmcoë`m AmhoV.
>
OmVm (H$amoÎma) {Zìdi Z\$m ê$.13.24 H$moQ>r Pmcm Amho. JVdfu Zâ`mMo à_mU gamgar IoiË`m ^m§S>dcmÀ`m 0.83% hmoVo,`mdfu ho à_mU 0.79% Amho.
Zâ`mMr {d^mJUr Imcrcà_mUo$H$aÊ`mg g§MmbH$_§S>imZo gd©gmYmaU g^og {e\$mag Ho$br Amho.
04
thANNUAL REPORT2012 - 201396
g§MmcH$_§S>imÀ`m g^og g§MmcH$m§Mr CnpñWVr 87.24 % BVH$s hmoVr.
Ahdmc dfm©V 4891 BVHo$ZdrZ g^mgX Pmco d 625 BVHo$g^mgX H$_r Pmco. åhUOoM dfm©AIoa EHy$U g^mgX g§»`m53176 BVH$s Pmcr Amho Am{U dgyc ^mJ ^m§S>dc ê$.47.30 H$moQ>r hmoD$Z dmmT>rMm doJ 19.35% Amho.
gZ 2011 nmgyZ H$moAa ~±qH$J àUmcr nyU©nUo H$m`m©pÝdV Pmcr AgyZ {d{dY AË`mYw{ZH$ godm gw{dYm J«mhH$m§ZmQ>ß`mQ>ß`mZo CncãY H$ê$Z {Xë`m OmV AmhoV. ~±qH$J_Yrc à_mUH$m§Zwgma Am{U ~±Ho$À`m JaOoZwê$n d J«mhH$godocm àmW{_H$VmXoUmar hr àUmcr {dH${gV H$aÊ`mgmR>r Amnë`m godH$m§Zr {Xcoco `moJXmZ _hÎdnyU© Amho. Ahdmc gmcmV E.Q>r.E_. gw{dYm"ê$no'H$mS>©À`m _mÜ`_mVyZ Am§Va~±qH$J E.Q>r.E_. pñdMcm g§c¾ H$aÊ`mV Amë`m_wio Xoe^amVrc H$moUË`mhr E.Q>r.E_.Ûmaoì`dhma H$aÊ`mMr gw{dYm J«mhH$m§Zm CncãY Pmcr Amho. Ë`mMà_mUo EZ.B.E\$.Q>r. d Ama.Q>r.Or.Eg. gw{dYm H$moAa ~±qH$JàUmcrer OmoS>ë`m Joë`mZo godoVrc VËnaVm dmT>cr Amho.
~±qH$J_Yrc AË`mYw{ZH$V§ÌkmZ AmË_gmV H$aÊ`m~amo~aM AÝ` ghH$mar ~±H$m§Zm V§ÌkmZ{df`H$g„m d _mJ©Xe©Z _m{hVrV§ÌkmZ {d^mJmZo CncãY H$ê$Z {Xcm Amho. qgYwXþJ© {Oëhm ghH$mar ~±Ho$g S>mQ>m g|Q>aÀ`m C^maUr_Ü`o _mocmMo ghmæ` Ho$co OmVAgyZ godH$m§Zm AË`mYw{ZH$ V§ÌkmZ{df`H$ n[anyU© à{ejU XoÊ`mMr O~m~Xmar `eñdrarË`m nyU© Ho$cr Amho. Ë`m_wioV§ÌkmZ{df`H$g„m d _mJ©Xe©Z `m {df`mV ZdrZ AmoiI ~±Ho$Zo {Z_m©U Ho$cr Amho.
`oË`m dfm©V B§Q>aZoQ>~±qH$J Am{U _mo~mB©c ~±qH$J gw{dYm J«mhH$m§Zm CncãY H$ê$Z XoÊ`mMo {Z`moOZ Amho.
g§MmcH$_§S>i Jw§VdUyH$g{_Vr
dgwcr g{_Vr Am°S>rQ>g{_Vr
àemgH$s` g{_Vr Am`.Q>r. g{_Vr
{Z`moOZ g{_Vr H$m`Xm g{_Vr
15 12
05 06
12 07
04 03
g^mgX
_m{hVr V§ÌkmZmVrc àJVr
AÝ` _hËËdnyU© ~m~r
_wÐm§H$ {dH«$s d n°ZH$mS>© gw{dYm
Q´>ñQ>r A±S>EŠPrŠ`wQ>a{en ì`dgm`
godH$ à{ejU d g§emoYZ H|$Ð
Vi^mJ,H$amS>Am{U nmodB©ZmH$m, gmVmam emIo_Ü`o _wÐm§H${dH«$sMr gw{dYm CncãY Amho. Ë`mnmgyZ ê$.28.82 cmI BVHo$CËnÞ {_imco Amho. J«mhH$m§Zm `m gw{dYoMm cm^ _moR>çm à_mUmda hmoV Amho. n°Z H$mS>©Mr gw{dYm 31 emIm§_YyZ CncãY H$ê$Z{Xcr Amho. Ahdmc gmcmV 2425 n°ZH$mS>©Mo {dVaU Ho$co AgyZ `m godonmgyZ ê$.0.50 cmI BVHo$CËnÞ {_imco Amho.
JV gmcmV Q´>ñQ>r A±S>EŠPrŠ`wQ>a{en godog AmVm _yV© ñdê$n àmá Pmcoco Amho. Q´>ñQ>C^maUr d ì`dñWmnZ, BÀN>mnÌV`ma H$aUo d Ë`mMr A§_c~OmdUr H$aUo, BÀN>mnÌ go\$H$ñQ>S>r_Ü`o R>odUo, ñWmda {_iH$VrMo ì`dñWmnZ d {dH«$s B. godm{Xë`m OmV AmhoV. AmOAIoa 15 Q´>ñQ>ì`dñWmnZmgmR>r Am{U 22 BÀN>mnÌo go\$H$ñQ>S>r d A§_c~OmdUrgmR>r XmIc PmcrAmhoV. gmVmam, gm§Jcr, H$moëhmnya `m {Oëøm§VyZ Aer n[anyU© godm XoUmar Amncr ghH$mar ~±H$ Amho.
à{ejU H|$ÐmV\}$df©^a {d{dY {df`m§darc dJm©Mo Am`moOZ Ho$co OmVo. `mMm cm^ {OëømVrc VgoM {Oëøm~mhoarc ~±H$md nVg§ñWm KoV AmhoV. gXaMo à{ejU H|$Ð ghH$ma ImVo _mÝ`Vmàmá Amho. à{ejU H|$ÐmÀ`m à{ejH$ àmÜ`mnH$m§~amo~aM
AJ«oga
05
thANNUAL REPORT2012 - 201396
~±H$s¨J joÌmVrc VÁk, AZw^dr ì`ŠVr `m§Zm ì`m»`mVo åhUyZ {Z_§{ÌV Ho$co OmVo. à{ejU H|$ÐmVrc kmZH$j dmVmZwHw${cVAmhoV. npíM_ _hmamï´>mVrc ghH$mar ~±H$m§gmR>r V\}$ EH$ {XdgmMo à{ejU godH$ à{ejU H|$ÐmV\}$Am`mo{OVHo$co hmooVo. Ë`mcm 92 ghH$mar ~±H$m§_Yrc gw_mao 182 g§MmcH$d A{YH$mar CnpñWV hmoVo.
Mmcy Am{W©H$dfm©V doJdoJù`m {df`m§darc 66 à{ejU H$m`©H«$_m§Mo Am`moOZ H$aÊ`mV Amco. Ë`m_Ü`o ~±Ho$Vrc 835 �godH$ Am{U BVa ~±Ho$Vrc 1560 godH$ gh^mJr Pmco. g§MmcH$, d[aîR>A{YH$mè`m§gmR>r {deof à{ejU dJmªMo Am`moOZH$aÊ`mV Amco hmoVo. AÝ` ~±H$m§_Ü`o OmD$Z Ë`m§À`m JaOoZwê$n à{ejU dJmªMo Am`moOZ Ho$co OmVo. ~±qH$J joÌmV H$[aAaKS>{dUmè`m {dÚmÏ`mªgmR>r gwê$ H$aÊ`mV Amco AgyZ Ë`mg CÎm_à{VgmX {_iyZ 60 {dÚmÏ`mªZr H$mog©gmR>r àdoe KoVcm. à{Vdfm©à_mUo Eg.Or.E_. H$m°coOÀ`m {dÚmÏ`mªZm ~±qH$J{df`r_mJ©Xe©Z H$aÊ`mV Amco. dm{f©H$à{ejU `moOZoMm cm^ `m dfu {X dmaUm ghH$mar ~±H$ {c.,. dmaUmZJa `m§Zr KoVcm. VgoMnmíd©ZmW ghH$mar ~±H$, AH$mocm A~©Z H$mo. Am°n. ~±H${c., AH$mocm, ncyg ghH$mar ~±H${c., ncyg, gm§Jmocm A~©Z H$mo. Am°n.~±H${c., gm§Jmocm, aVZM§X ehm ghH$mar ~±H${c., _§JidoT>m, `ed§V ghH$mar ~±H${c., Hw${S>Ìo, H$moëhmnya _{hcm ghH$mar ~±H${c., H$moëhmnya, H$amS>_MªQ>d _{hcm _MªQ>, H¡$. ñdm. g¡. em_amd nmQ>rc ZmJar ghH$mar nVg§ñWm C§S>mio, _MªQ>qg{S>Ho$Q>J«m_rU {~JaeoVr gh. H«o${S>Q>g§ñWm Vi_mdco, kmZXrn H$mo. Am°n. H«o${S>Q>gmogm`Q>r BË`mXr ~±H$m d nVg§ñWm_Yrc godH$m§gmR>rà{ejU H$m`©H«$_m§Mo Am`moOZ H$aÊ`mV Amco.
[aPìh© ~±Ho$Mo H$m°coO Am°\$ A°J«rH$ëMac ~±qH$J nwUo, d¡Hw§$R>̂ mB© _ohVm à{ejU g§ñWm nwUo, YZ§O`amd JmS>Jri à~§Yg§ñWmZ ZmJnya `m§Mo {d{dY {df`m§darc à{ejU gÌm§gmR>r godH$d g§MmcH$gXñ` `m§Zm nmR>{dÊ`mV Amcoco Amho.
48 emIm§n¡H$s ê$.100 H$moQ>rÀ`m da ì`dgm` AgUmè`m 6 emIm§Mo nm{jH$ Am{U ê$.100 H$moQ>tnojm H$_r ì`dgm`AgUmè`m 40 emIm§Mo _m{gH$ Am°S>rQ>ì`mdgm{`H$ MmQ>©S>© AH$m¢Q>§Q>\$_©g² `m§Mo_m\©$V Ho$co OmVo. Cd©[aV 2 emIm§Mo H§$H$a§Q>Am°S>rQ>~±Ho$À`m "Am°S>rQ>A±S>BÝñnoŠeZ' {d^mJm_m\©$V Ho$coco Amho. _w»` H$m`m©c`mMo coImnarjU grE.CX` Hw$cH$Uu,\$cQ>U Am{U J§wVdUyH$coImnarjU _o.OmYd VmZmOramd Am{U H§$.,H$amS>̀ m§À`m_m\©$V Ho$coco Amho.
gZ 2012-2013 Mo d¡Ym{ZH$coImnarjU {c_`o A°ÝS>H§$nZr, gm§Jcr d Oo.~r. MìhmU A°ÝS>Agmo. gmVmam `m§Zr nyU©H$ê$Z ~±Ho$g "A' dJ© {Xcm Amho.
{X. 31 _mM© 2011 AIoarc 25 do [aPìh© ~±H$BÝñnoŠeZ {X.30 {S>g|. 2011 Vo 18 OmZo. 2012 `m H$mcmdYrV nyU© PmcoAmho. Ë`mMm Ahdmc {X.14.03.2012 amoOr àmá Pmcm AgyZ Xmof Xwê$ñVr Ahdmc {X.18.04.2012 amoOr `mo½` nyV©Vm H$ê$Zdoioda nmR>{dcm Amho.
emIoÀ`m ì`dgm`mZwgma VrZ JQ>H$ê$Z gZ 2012-13 `m H$mbmdYrVrb H$m_{Jarda AmYm[aV Imbrbà_mUo nwañH$maJoë`m dm{f©H$gd©gmYmaU g^oV àXmZ H$aÊ`mV Ambo.
VgoM gZ 2012-13 gmbmH$[aVm g_mO^yfU nw. nm§. VWm ~m~wamdOr JmoIbo JwUd§V godH$ nwañH$ma _oKZm ehm dlr. àVmn OmYd
FIU (India)
Certificate Course in Banking, Advance Course in Banking
({b{nH$)({enmB©) `m§Zm àXmZ H$aÊ`mV Ambm.
g_dVu A§VJ©V coImnarjU
d¡Ym{ZH$ coImnarjU
[aPìh© ~±H$ VnmgUr
emIm nwañH$ma
JQ> A
JQ> ~
JQ> H$
àW_ - nmodB©ZmH$m, gmVmam
àW_ - H±$n, nwUo
àW_ - qghJS>amoS>, nwUo
{ÛVr` - emhþnwar, H$moëhmnya
{ÛVr` - _cH$mnya
{ÛVr` - {eamim
06
thANNUAL REPORT2012 - 201396
Am°JñQ>2012 _Ü`o A~©Z gm_m{OH$H¥$VkVm Ý`mg d nwUo ZoÌ godm à{Vð>mZ `m§À`m g§`wŠV {dÚ_mZo {VaionUm VnmgUrd eó{H«$̀ m {e~ramMo Am`moOZ H$aÊ`mV Amco. EHy$U 350 é½UmMr VnmgUr Pmcr. Ë`mn¡H$s 47 é½Um§da `eñdr eó{H«$̀ mH$ê$Z {VaionUmMm Xmof H$m`_ñdê$nr Xÿa H$ê$Z Ë`m§Zm Zdm AmË_{dœmg XoÊ`mV Amcm.
g_mOm_Ü`o dmMZ g§ñH¥$Vr dmT>rg cmJmdr `mÑï>rZo dmMH$m§Zm XO}Xma nwñVHo${dZm_yë` CncãY hmoÊ`mÀ`m Ñï>rZo H$amS>,H$moëhmnya `m {d^mJm_Ü`o 19 H|$Ðm§_m\©$V "J«§W Vw_À`m Xmar..' hr `moOZm H$m`m©pÝdV Ho$cr Amho. `mgmR>r ~±Ho$Zo d AmOr-_mOrgodH$m§Zr J«§W noQ>çm àm`mo{OV Ho$ë`m AmhoV. ~±Ho$À`m `m A{^Zd CnH«$_mg CÎm_ à{VgmX {_iV AgyZ Ë`mÛmao ZdrZ J«mhH$dJ©d¥Õrg _XV hmoV Amho.
{X.25 {S>g|~a Vo 3 OmZodmar 2013 `m H$mcmdYrV "H$amS>A~©Z ~±H$ H$a§S>H$' amÁ`ñVar` Iwë`m EH$m§{H$H$m ñnYmªMoAm`moOZ H$aÊ`mV Amco. ñnY}Mo ho 3 ao df© hmoVo. JVdfuà_mUoM g§nyU© amÁ`^amVyZ `m ñnY}g A{Ve` Mm§Jcm à{VgmX{_imcm. à{Vdfu `m ñnY}Mo Am`moOZ H$ê$Z H$èhmS>À`m gm§ñH¥${VH$joÌmV A~©Z Hw$Qw>§~mZo Amncm d¡{eîQ>çnyU© gh^mJ H$m`_R>odcm Amho.
AW©H$maUm~amo~aM gm_m{OH$~m§{YcH$s OnVmZm ~±Ho$Zo An§J godog _hÎd {Xco Amho. Ahdmc gmcmV {X.7 OmZodmar2013 amoOr Zmam`U godm g§ñWmZ CX`nya `m§À`m g§`wŠV {dÚ_mZo ApñW An§J VnmgUr d CnMma Am{U H¥$Ìr_ gmYZ dmQ>n{e{~amMo Am`moOZ H$aÊ`mV Amco.
OmZodmar 2013 _Ü`o J«mhH$g{_Vr gXñ` _oimdm Am`mo{OV H$aÊ`mV Amcm. Ë`m_Ü`o 97 dr KQ>Zm XþéñVr d ghH$majoÌmMr dmQ>Mmc `m {df`mda Á`oð>{d{Yk d ghH$ma VÁk {dÚmYa AZmñH$a `m§Zr _mJ©Xe©Z Ho$co.
S>m°.
H$amS>A~©Z gm_m{OH$H¥$VkVm Ý`mgmV\}$ XoÊ`mV `oUmam "ñd. S>m°. X. {e. Ea_ H¥$VkVm gÝ_mZ' d¡ÚH$s` joÌmV ^ardH$m_ H$aUmè`m H$èhmS>̀ oWrc S>m°. H$_cVmB© YZnmc hmdco `m§Zm gÝ_mZnyd©H$àXmZ H$aÊ`mV Amcm.
à{Vdfm©à_mUo 27 OmZodmar 2013 amoOr godH$-g§MmcH$ qMVZ {e{~amMo Am`moOZ H$aÊ`mV Amco. godH$m§Zm àoaUm{_imdr, godH$m§À`m ì`{ŠV_ËdmMm gdmªJrU {dH$mg ìhmdm `mgmR>r g§_mohZ VÁk YZqgJ Mm¡Yar `m§Mo "VmU-VUmdì`dñWmnZ d g§_mohZemó - EH$daXmZ' `m {df`mda àmË`{jH$mgh ì`m»`mZ Am`mo{OV H$aÊ`mV Amco.
H$èhmS> d n[agamVrc J«m_rU ^mJmVrc hmoVH$ê$ d {OÔr Am{U ì`dgm`m_Ü`o CVaÊ`mMr AmH$m§jm ~miJUmè`mVê$Um§gmR>r "CÚmoOH$Vm {dH$mg {e{~amMo' Am`moOZ gmVmam `oWrc AÊUmgmho~ {Ma_wco Q´>ñQ>À`m g§`wŠV {dÚ_mZo H$aÊ`mVAmco. eyÝ`mVyZ {díd gmH$maUmao S>r.Eg.Ho$. C\©$ XrnH$ gImam_ Hw$cH$Uu `m§Zr Ë`m§Mr `eñdr dmQ>Mmc CnpñWVm§nwT>o gmXaHo$cr. Ë`mMm cm^ H$amS>d n[agam§Vrc {ejUg§ñWm§Vrc {dÚmÏ`mªZr KoVcm.
_hmamï´>m_Yrc XþîH$miOÝ` n[apñWVrda _mV H$aÊ`mH$arVm _hmamï´>emgZmÀ`m AmdmhZmZwgma _hmamï´>mMo _w»`_§Ìr_m.Zm.n¥ÏdramO MìhmU `m§Zm ~±Ho$À`m dVrZo ê$. 3 cmImMm YZmXoe gwnyV© H$aÊ`mV Amcm. ~±Ho$À`m H$m`©joÌmVrc XþîH$mir^mJmVrc g^mgXm§gmR>r "ewÜX no`Oc `moOZm' am~{dÊ`mV Amcr. `m `moOZoA§VJ©V KanmooM ewÕ nmUr nwadÊ`mMm A{^ZdCnH«$_ ~±Ho$Zo `eñdrnUo am~{dcm.
A~©Z Hw$Qw>§~à_wI gw^mfamd Omoer `m§À`m dmT>{XdgmMo Am¡{MË` gmYyZ godH$m§V\}$à{Vdfu aŠVXmZ {e{~amMo Am`moOZH$aÊ`mV `oVo. `§Xm Am`mo{OV Ho$coë`m [e{~amV 72 aŠVXmË`m§Zr Cñ\y$V©nUo gh^mJ KoVcm.
H$amS>A~©Z ~±H$ godH$ nVg§ñWoZo Ahdmc gmcmV ê$. 1.61 H$moQ>r ì`dgm`mMm Q>ßnm Amocm§S>V ê$.3.65 cmI BVH$mZ\$m {_idcm Amho.
A~©Z ñnmoQ>©g² Šc~À`m _mÜ`_mVyZ _¡XmZr ñnYm©, Am§Vaemco` {H«$Ho$Q> ñnYm©, OmJ{VH$ gy`©Z_ñH$ma {XZ, amï´>r`
gm_m{OH$ H$m`©
07
thANNUAL REPORT2012 - 201396
IoimSy>§Mm gËH$ma, aŠVXmZ {e{~a Aem AZoH$CnH«$_m§Mo Am`moOZ H$aÊ`mV Amco.
gZ 2013-14 `m Am{W©H$dfmªV ~±Ho$Zo Imcrc C{ÔîQ>ço {ZpíMV Ho$cr AmhoV.
1)
2) "pìhOZ 2017' `m ~hþcjr` YmoaUmMr A§_c~OmdUr, AmT>mdm Am{U gwYmaUm.
3) ê$.3150 H$moQ>tÀ`m ì`dgm`mMo C{ÔîQ>
4) À`m _mÜ`_mVyZ ~±qH$J godoMm {dñVma.
~±Ho$À`m `m `eñdr dmQ>MmcrMo gd©ñdr lo` Amnë`m J«mhH$m§Zm Am{U Vwåhm§ gd© g^mgXm§Zm VgoM gd© godH$ dJ© `m§À`mH¥${Verc d H$ï>nyU© `moJXmZmcm Amho. Vw_Mm {dœmg, ào_, AmnwcH$s `m_wioM hr àJVrMr KmoS>Xm¡S>CÎm_ arVrZo Mmcy Amho.
~±Ho$À`m àJVr_Yrc gmVË` {Q>H$dyZ àJVrMm doJ H$m`_ R>odVm Amcm Am{U g§MmcH$_§S>imda g^mgXm§Zr R>odcocm {dœmgg§»`mË_H$Am{U JwUmË_H$ àJVrZo {gÕ H$ê$eH$cmo. `m gdmªMm n[aUm_ åhUyZ ~±Ho$cm cdH$aM _ëQ>rñQ>oQ>H$mo-Am°nao{Q>ìh~±Ho$Mm XOm© àmá hmoB©c Aer Anojm Amho. ~±Ho$À`m Ñï>rZo hm _hÎdmMm Q>{ZªJ nm°B§Q>amhrc.
g§MmcH$_§S>imÀ`m dVrZo,
A~©Z Hw$Q>§w~mVrc A~©Z ~Pma, H$amS>A~©Z gm_m{OH$H¥$VkVm Ý`mg, _{hcm J¥hmoÚmoJ, godH$g§K, godH$nVg§ñWm, _yH$~{Ya {dÚmc` `m g§ñWm§À`m AmXe© g_mOH$maUmVyZ Amnë`m Hw$Qw>§~mcm à{Vð>m àmá Pmcr Amho.
~±Ho$Mo H$m`©joÌ ~hþamÁ`r` (_ëQ>rñQ>oQ>) H$aUo.
Banking Correspondant & Banking Facilitators (BC-BF)
^{dî`H$mcrZ `moOZm
AÜ`j
S>m°. gw^mf Ea_
08
thANNUAL REPORT2012 - 201396
VwcZmË_H$ àJVr VŠVmCOMPARATIVE PROGRESS CHART
( Aer IyU Agcoë`m AmoitVrc AmH$S>o gmoSy>Z BVa AmoitVrc AmH$S>o ê$n`o cmImV )* ( Rs. in lakh except row marked as *)
Vnerc 2008-2009 2009-2010 2010-2011 2011-2012 2012-2013
g^mgX *
emIm *
godH$ * 589 694
Am°{S>Q> dJ© * A A A A
cm^m§e * Zmhr % 9 % 10%
^mJ^m§S>db
J§JmOir d BVa {ZYr
ñd{ZYr
R>odr
R>odrVrc dmT> à_mU
*
H$O}
H$Om©Vrc dmT> à_mU
*
AJ«H«$_ H$O}
AJ«H«$_ H$O}à_mU
*
Jw§VdUyH$
IoiVo ^m§S>dc
{Zìdi Z\$m
WH$~mH$s
WH$~mH$sMo H$Om©er à_mU
*
g§e{`V ~wS>rV H$O}
g§e{`V d ~wS>rV H$O© {ZYr
Members 36653 39867 43739 48909 53176
48+1+1 48+1+1 48+1+1 48+1+1 48+1+1
Staff 600 604 588
Audit Class
Dividend 8
Share Capital 2358.69 2801.07 3286.80 3962.89 4729.69
3988.49 4547.13 5127.47 5980.37 7290.56
Reserve & Other Funds
Own Funds 6347.18 7348.20 8414.27 9943.25 12020.75
Deposits 89677.16 106601.62 116326.92 140734.13 166697.86
Growth Rate of Deposits 24.66% 18.87 % 9.12 % 20.98 % 18.45%
Loans & Advances 55691.02 66083.82 76505.04 92602.30 107342.27
22.37% 18.66 % 15.70 % 21.04 % 15.92%
Priority Sector Advances 32390.67 40776.69 46718.02 50721.83 51375.38
% 58.16% 61.53 % 61.92 % 54.75% 47.86%
Investment 29060.11 28880.30 30165.47 37117.67 49001.93
Working Capital 99251.91 118084.62 131420.59 156129.32 188289.03
Net Profit 430.85 793.68 1029.72 1716.74 2061.56
Overdues 2329.02 2671.52 2302.80 3132.50 3693.30
4.18% 4.04 % 3.01 % 3.38 % 3.44%
Doubtful & Loss Advances 144.54 340.91 73.08 172.10 165.72
Bad & Doubtful Debts Reserve 1742.12 1934.20 2108.61 2311.67 2615.67
Branches+HO+Ext.Counter
A
10%({e\$mag)
Growth Rate of Loans & Advances
of Priority Sector Advances
% of Overdues to Loans & Advances
H$anyd© Z\$m H$anyd© Z\$m H$anyd© Z\$m H$anyd© Z\$m H$anyd© Z\$m
09
thANNUAL REPORT2012 - 201396
{X. 31 _mM© 2013 AIoaMm Vmio~§X
V. K. Joshi
Dy. Chief Executive Officer
(Accounts Dept.)
CA. Dilip M. Gurav
Chief Executive Officer
CA. Uday V. Kulkarni
Chartered Accountants & Internal Auditors
For M/s Limaye & Company
CA. Vijay Thakkar (Partner)
Chartered Accountants
Statutory AuditorsPlace :
Date :
Karad
12-07-2013.
Sr. Schedule As on 31-3-2013 As on 31-3-2012
No. Rs. Ps. Rs. Ps.
Capital & Liabilities ^m§S>db d XoUr
1 Share Capital 1 396288610-00
2 Reserve Fund & Other Reserves 2 598036708-38
3 Principal / Subsidiary State Partnership A/c. - -- --
5
7 Other Liabilities and provisions 6 63859017-10
8 Income Tax Provision - 141974952-00
9 Branch Adjustments - -- 3366526-95
10 Overdue Interest Reserve on Non Performing Assets - 233756396-29
(As per Contra)
11 Bills for Collection - 15020528-23
12 Profit & Loss Account - 132356252-81 115474407-35
13 Collection A/C Shri Parshwanath Co-op. Bank Ltd. - 12819925-00 12819925-00
Bank Guarantees / - 346902560-48 313266030-48
Inland Letter of Credit / - 83203962-00 18483120-00
^mJ^m§S>db
amIrd {ZYr d BVa {ZYr
emgZmMo à_wI / ghmæ`H$mar {ZYr ImVo
BVa XoUr d VaVwXrAm`H$a VaVwXr
emIm O_mIM©
CËnÞ j_Vm Zgboë`m H$O© ImË`mdarb (EZnrE)WH$ì`mO VaVyX (Xw~oaOr)
dgwbrgmR>r ñdrH$mabobr {~bo (Xw~oaOr)
Z\$m VmoQ>m ImVo
H$coŠeZ ImVo (lr nmíd©ZmW H$mo-Am°n. ~±H$ {c.)
~±H$ J°a§Q>rO²
472968720-00
729055925-03
4 Deposits & Other Accounts 3 16669786390-80 14073413376-28
126164427-21
73800000-00
278649565-94
10863540-12
R>odr d AÝ` ImVr
Outside Borrowings 4 250000000-00 --
6 Interest Payable (Deposits & Borrowings) 5 361950970-26 207698217-60
~mhoarc H$O}
ì`mO XoUo (R>odr d H$Om©darb)
(Being Bills Receivable as per Contra)
Total 19118415717-17 15861708665-18
Contingent Liabilities /
Total 430106522-48 331749150-48
EHy$U
EHy$U
g§^mì` XoUr
Xoem§VJ©V boQ>a Am°\$ H«o${S>Q>
10
thANNUAL REPORT2012 - 201396
Balance Sheet as on 31st March 2013
Dr. Rajiv T. AhireVice-Chairman
Dr. Subhash S. ErramChairman
Sr. Schedule As on 31-3-2013 As on 31-3-2012
No. Rs. Ps. Rs. Ps.
Property & Assets qOXJr d _mc_Îmm
1 Cash and Balance with Banks 7 2659193137-63 2093343808-77
2 Investments 8 4900193435-40 3711767321-00
3 Investment out of the Principal / Subsidiary State - -- --
Partnership A/c.
4 Loans & Advances 9 10734226779-22 9260230306-62
5 Fixed Assets 10 218067657-15 222837193-62
6 Other Assets 11 243421600-71 179018609-65
7 Advance Income Tax - 73800000-00 145734500-00
8 Overdue Interest Receivable on Non Performing - 278649565-94 233756396-29
Assets (As per Contra)
9 Bills Receivable - 10863540-12 15020528-23
10 Cost of Acquisition 12 -- --
11 Non Banking Assets - 1-00 1-00
amoI {eëbH$ d ~±Ho$Vrb {e„H$
Jw§VdUyH$
emgZmMo à_wI/ghmæ`H$mar {ZYrMo Jw§VdUyH$ ImV
H$O}
H$m`_ _mb_Îmm
BVa _mb_Îmm
AmJmD$ Am`H$a
H$O© ImË`mdarb (EZnrE) WH$ì`mO `oUo (Xw~oaOr)
dgwbrgmR>r nmR>{dbobr {~bo (Xw~oaOr)
H$m°ñQ> Am°\$ A°¹$r{PeZ
Zm°Z ~±qH$J A°goQ>g²
o
CËnÞ j_Vm Zgboë`m
(Being Bills for Collection as per Contra)
Total 19118415717-17 15861708665-18EHy$U
S. R. Joshi V. P. Gokhale C. V. Doshi V. R. Jadhav
D. B. Jadhav Dr. A. S. Lahoti S. G. Mantri S. S. Joshi
A. P. Shinde Adv. V. B. Patil J. D. Khire S. R. Kulkarni
S. S. Shinde M. D. Mali B. B. Raywad Mrs. S. A. Palkar
Mrs. M. C. Dhawale S. V. Jadhav A. A. Bodhe A. S. Inamdar
R. A. Mohite V. Y. Patil (Staff Rep.) R. C. Pawar (Staff Rep.)
Directors
11
thANNUAL REPORT2012 - 201396
{X. 31 _mM© 2013 amoOr g§nboë`m Am{W©H$ dfm©Mo Z\$m-VmoQ>m nÌH$Profit & Loss Account for the year ended 31-3-2013
Dr. Rajiv T. AhireVice-Chairman
Dr. Subhash S. ErramChairman
CA. Uday V. Kulkarni
Chartered Accountants & Internal Auditors
For M/s Limaye & Company
CA. Vijay Thakkar (Partner)
Chartered Accountants
Statutory Auditors
V. K. Joshi
Dy. Chief Executive Officer
(Accounts Dept.)
CA. Dilip M. Gurav
Chief Executive Officer
Place :
Date :
Karad
12-07--2013.
Sr. Schedule As on 31-3-2013 As on 31-3-2012
No. Rs. Ps. Rs. Ps.
Particulars
Interest Received 13 1767181738-69 1408012816-59
Other income 14 168070226-99 99816309-00
Prior Period Income Tax Adjusted
Total Income
Interest on Deposits & Borrowings 15 1227604891-61 902575102-66
Staff Salaries & Allowances etc. - 254924649-20 209178420-90
Establishment Expenses 16 192914589-06 167050012-71
Total Expenditure
259807835-81 232397749-85
17 53651583-00 60723342-50
206156252-81 171674407-35
73800000-00 56200000-00
132356252-81 115474407-35
(Transferred to Balance Sheet)
1 INCOME
1935251965-68 1511201286-12
2 EXPENDITURE
1675444129-87 1278803536-27
3 GROSS PROFIT
4 PROVISIONS
5 PROFIT BEFORE TAX
6 INCOME TAX PROVISION
7 NET PROFIT
TOTAL 1511201286-12
CËnÞmÀ`m ~m~r
Zmdo d IMm©À`m ~m~r
T>mo~i Z\$m
VaVwXr
H$anyd© Z\$m
Am`H$a VaVwXr
{Zìdi Z\$m
{_imbobo ì`mO
BVa CËnÞ
JVdfuÀ`m Am`H$a aH$_oMo g_m`moOZ
EHy$U CËnÞ
R>odr d H$Om©darb ì`mO$
godH$ nJma d ^Îmo B.
ì`dñWmnZ IM©
EHy$U IM©
0-00 3372160-53
(Vmio~§Xmg dJ©)
1935251965-68
S. R. Joshi V. P. Gokhale C. V. Doshi V. R. Jadhav
D. B. Jadhav Dr. A.S. Lahoti S. G. Mantri S. S. Joshi
A. P. Shinde Adv. V. B. Patil J. D. Khire S. R. Kulkarni
S. S. Shinde M. D. Mali B. B. Raywad Mrs. S. A. Palkar
Mrs. M. C. Dhawale A. S. Inamdar
R. A. Mohite
S. V. Jadhav A. A. Bodhe
V. Y. Patil (Staff Rep.) R. C. Pawar (Staff Rep.)
Directors
12
thANNUAL REPORT2012 - 201396
SCHEDULES TO THE B/S & P & L ACCOUNT
SCHEDULE 3 - DEPOSITS & OTHER ACCOUNTS
SCHEDULE 2 - RESERVE FUND & OTHER RESERVES
SCHEDULE 7 - CASH AND BALANCE WITH BANKS
SCHEDULE 1 - SHARE CAPITAL
SCHEDULE 6 - OTHER LIABILITIES AND PROVISIONS
1. Reserve Bank of India 1399709228-34 1048460243-14
2. State Bank of India 20838016-08 71303846-72
& Associate Banks
3. Satara, Sangli, Kolhapur, 110990853-91 198153970-56
Solapur, Pune, Ratnagiri District
Central Co-op. Banks Ltd.
4. Maharashtra State Co-op. 1903587-67 3832151-82
Bank Ltd. Mumbai
5. IDBI Bank Ltd. 3168781-50 67255-87
6. ICICI Bank Ltd. 153739184-97 105624686-97
7. HDFC Bank Ltd. 1425108-68 6174236-92
8. Axis Bank Ltd. 9800837-42 35110683-12
1. Satara District 103050000-00 178000000-00
Central Co-op. Bank Ltd.
2. Maharashtra State Co-op. 3000000-00 3000000-00
Bank Ltd. Mumbai
3. Other Banks 768044391-81 334525382-58
A. Cash in hand and at ATM 83523147-25 109091351-07
B. Current Accounts with Banks
Total B 1701575598-57 1468727075-12
C. Fixed Deposits with Banks
Total C 874094391-81 515525382-58
Total (A + B + C) 2659193137-63 2093343808-77
(Of which Rs. 30 lakh pledged with
MSC Bank Ltd. as security for
Overdraft facility)
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
SCHEDULE 4 - OUTSIDE BORROWINGS
Small Industries Development 0-00 0-00
Bank of India (Refinance)
NABARD 250000000-00 0-00
MSC Bank Ltd. (Overdraft against
Fixed Deopsits) 0-00 0-00
A.
B.
C.
Total 0-00
(Refinance)
250000000-00
Particulars As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Dividend Payable 2049474-35 807721-60
Anamat Payable 4321082-69 10929526-13
Miscellaneous Payable 110920632-75 39284940-28
Sundry Creditors 8873237-42 12836829-09
A.
B.
C.
D.
Total 126164427-21 63859017-10
(General Reserve Fund)
Particulars As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
A. Fixed Deposits
Sub Total - A 13315211570-42 11016032245-46
B. Savings Deposits
Sub Total - B 2484784899-21 2225615499-30
C. Current Deposits
Sub Total - C 869789921-17 831765631-52
Total Deposits (A + B + C) 16669786390-80 14073413376-28
1. Individual 10466183416-42 9019751052-90
2. Co-Operative Societies 2849028154-00 1996281192-56
1. Individual 2478688992-56 2218008946-20
2. Co-Operative Societies 6095906-65 7606553-10
1. Individual 714397138-87 716531811-69
2. Co-Operative Societies 77546913-46 70536963-21
3. Cash Credit (Credit Balance) 77845868-84 44696856-62
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
SCHEDULE 5 - INTEREST PAYABLE (DEPOSITS & BORROWINGS)
A.
Total 361950970-26 207698217-60
Interest Payable on 360312614-26 207698217-60Deposits
Interest Payable on outside 1638356-00 00-00Borrowings
B.
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
A.
B.
C.
D.
E.
F.
G.
H.
Total 729055925-03 598036708-38
Statutory Reserve Fund 186094011-27 138253239-62
Building Fund 154479091-45 127363646-45
Bad & Doubtful Debts Fund 261567423-81 231167175-81
Investment Fluctuation Fund 48056500-00 30821500-00
Capital Reserve Fund 7223500-00 7223500-00
Contingent Provision Against
Standard Assets
Provision against Contingencies 3635398-50 3707646-50
Contingent Provision Against forDepreciation on Investments 23000000-00
45000000-00 36500000-00
23000000-00
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
A. Authorised Share Capital
B. Subscribed and Paid-up Capital
Total 396288610-00
(7,50,00,000 Equity Shares 750000000-00
of Rs. 10 each)
47296872 (Previous year 472968720-00 396288610-00
39628861) Shares of Rs.10 each
750000000-00
472968720-00
Particulars As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
13
thANNUAL REPORT2012 - 201396
SCHEDULE 9 - LOANS & ADVACNES
SCHEDULE 8 - INVESTMENTS SCHEDULE 9 - LOANS & ADVACNES
SCHEDULE 10 - FIXED ASSETS
SCHEDULE 11 - OTHER ASSETS
SCHEDULE 12 - COST OF ACQUISITION
A. COST OF ACQUISITION OF SPCB
C.Long Term Loans & Advances 6162702977-18 4608430895-46
a. Secured against Govt.
& Other Trustee Securities
b. Secured against Other
Tangible Assets 5892860363-36 4446850299-86
c. Individual Guarantees
(Clean Loans) 268225995-82 160532095-60
Total Loans & Advances (A+B+C) 10734226779-22 9260230306-62
1616618-00 1048500-00
Of which overdues -- --
Including Bad & Doubtful -- --
Of which overdues 156662141-57 110035380-73
Including Bad & Doubtful 1510325-00 1510325-00
Of which overdues 1641383-73 496926-37
Including Bad & Doubtful -- --
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
A.
B.
C.
D.
E.
Total 218067657-15 222837193-62
Land & Buildings 94357936-00 73621021-31
(Less Depreciation)
Dead Stock & Furniture 66398082-00 65878572-78
(Less Depreciation)
Machinery, Computers & 37746479-00 56724298-23
Softwares (Less Depreciation)
Vehicles (Less Depreciation) 3824188-00 5813502-00
Miscellaneous Assets 15740972-15 20799799-30
(Less Depreciation)
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
A.
B.
C.
Total 243421600-71 179018609-65
Advances Given 12639944-90 6089261-50
Interest Receivable on 121431293-36 92065028-20
Investments
Other Receivables 108329662-45 80864319-95
D. NPCI Receivables 1020700-00 00-00
(RUPAY Clearing Settelment Account)
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
Current year amortisation 00-00 7356842-50
A. Opening Balance -
Cost of Acquisition of SPCB 00-00 7356842-50
B. Less :
Closing Balance 00-00 0-00
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
11409252-89 14597616-00
of which overdues -
Including Bad & Doubtful -
of which overdues 45350758-90 47873046-78
Including Bad & Doubtful 6655831-84 7369679-98
of which overdues 874502-12 1247647-00
Including Bad & Doubtful 108061-00 118313-00
Of which overdues - -
Including Bad & Doubtful - -
1102536999-41
Of which overdues 162034134-30 150904869-81
Including Bad & Doubtful 7725103-43 7575707-23
52048434-40
Of which overdues 2766631-01 2692095-62
Including Bad & Doubtful 572245-00 636387-00
A. Short Term Loans & Advances 1487014790-57 3495025657-46
a. Secured against Govt. &
Other Trustee Securities
b. Secured against Other
Tangible Assets 1468636867-64 3464436024-56
c. Individual Guarantees
(Clean Loans) 6968670-04 15992016-90
B. Medium Term Loans & Advances 3084509011-47 1156773753-70
a. Secured against Govt. &
Other Trustee Securities 4525276-00 2188319-89
b. Secured against Other
Tangible Assets 3032038402-88
c. Individual Guarantees
(Clean Loans) 47945332-59
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
A. Central/State Government Securities 4816011585-40 3645961471-00
B. Unamortised Depreciation 2987000-00 4611000-00on Investments
C. Shares of Co-op. Societies
Total (C) 3726100-00
D. Other Investments
Total (D) 77468750-00 57468750-00
Total (A + B + C + D) 4900193435-40 3711767321-00
1. Satara D. C. C. Bank Ltd. Satara 1600000-00 1600000-00
2. Maha. State Co-op. Bank Ltd. Mumbai 1667000-00 1667000-00
3. Karad Urban M.S.Grahak Bhandar Ltd. 100-00 100-00
4. Apex Co-op. Bank of Maharashtra 449000-00 449000-00
& Goa Urban Banks Ltd. Mumbai
5. Maha. State Urban Co-op. Bank Ltd. 10000-00 10000-00
1. Industrial Finance Corp. Ltd. Shares 40000-00 40000-00
2. VHTRL DDB 2016 9228750-00 9228750-00
3. Bank of India Bonds 8000000-00 8000000-00
4. 60100000-00
5. Margin with CCIL for CBLO Segment 100000-00 100000-00
Face Value Rs. 4802940000
(P. Y. Rs. 3705260000)
Market Value Rs. 4813173838.40
(P. Y. Rs. 3626240511)
(Of which Rs.190664163 earmarked as
Reseve Fund Investment.)
3726100-00
Margin with CCIL for Security Segment 40100000-00
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
14
thANNUAL REPORT2012 - 201396
SCHEDULE 13 - INTEREST RECEIVED
SCHEDULE 14 - OTHER INCOME
SCHEDULE 15 - INTEREST ON DEPOSITS & BORROWINGS
SCHEDULE 16 - ESTABLISHMENT EXPENSES
SCHEDULE 17 - PROVISIONS
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
As on 31-3-2013 As on 31-3 2012Rs. Ps. Rs. Ps.
Particulars
15
Rent,Light,Insurance,Taxes etc. 40391290-63 38679633-82
Printing, Stationery &
Advertisement 9527298-58 7513167-46
Depreciation & Reparis of
Property 56182120-60 46204588-31
2030143-00 2745003-90
Audit Fees 5619848-00 7239922-96
Legal Charges 384374-66 345846-30
Postage Telegram & Telephone 3740719-93 4604710-21
Deposit Insurance (DICGC)
Premium 14400862-00 12044908-00
Other Expenses 40372032-36 29571445-49
Loss on Sale of Assets 374599-00 2633966-48
Pigmy Commission 19891300-30 15466819-78
A.
B.
C.
D.
E.
F.
G.
H.
I.
J.
K.
Total 192914589-06 167050012-71
Directors, Local Advisory Committee
Fees, Allowances & Travelling Exp.
A
B
C.
D.
E.
F.
Total 53651583-00 60723342-50
. Towards Amortisation of Premium
on Investments 4916583-00 4891500-00
. Towards Bad & Doubtful Debts
Reserve 30000000-00 20000000-00
Towards Provision for Standard
Assets 8500000-00 7500000-00
Towards Depreciation in
Investments 0-00 18975000-00
Amortisation Cost of
Acquisition 7356842-50
Provision Against Contigencies 0-00 2000000-00
0-00
G. Investment Fluctuation Reserve 10235000-00 0-00
Commission, Exchange,
Brokerage etc. 18268403-39 20937832-94
Profit on Sale of Securities 98578474-00 40171567-08
Profit on Sale of Assets 42630-00 17112-00
i) Dividend on Shares 163250-00 114000-00
ii) Building Rent 0-00 13384-00
iii) Locker Rent 8977469-96 8059763-00
iv) Other Income 42039999-64 30502649-98
A.
B.
C.
D. Other Receipts
Total 168070226-99 99816309-00
Interest Received on
Total 1767181738-69 1408012816-59
a. Loans & Advances 1364698477-64 1116356289-37
b. Investments 402483261-05 291656527-22
Interest paid on Deposits 1225907068-48 901422535-46
Interest paid on Borrowings 1647502-00 1075094-00
Repo Interest Expenses 50321-13 77473-20
A.
B.
C.
Total 1227604891-61 902575102-66
thANNUAL REPORT2012 - 201396
Disclosures as per RBI Guidelines(Rs. in Lacs)
Sr. Particulars As on 31-3-2013 As on 31-3 2012
No. Rs. Ps. Rs. Ps.
11.60% 11.39%
A. Tier I Capital 9102.62 7494.35
B. Tier II Capital 1624.13 1259.89
C. Total Capital Funds ( A+B ) 10726.75 8754.24
D. Risk Weighted Assets 92473.19 76833.70
E. Tier I Capital to Risk Weighted Assets 9.84 % 9.75 %
F. Tier II Capital to Risk Weighted Assets 1.76 % 1.64 %
G. Total Capital Funds to Risk Weighted Assets 11.60 % 11.39 %
48160.12 36459.61
a. Bonds of PSUs. 172.29 172.29
b. Shares of Co-op. Institutions 37.26 37.26
c. Shares of Financial Institution 0.40 0.40
a. Margin with CCIL for Security Segment 601.00 401.00
b. Margin with CCIL for CBLO Segment 1.00 1.00
a. MSC,DCC Banks 1060.50 1810.00
b. Other Banks 7680.44 3345.25
A. Builders & Developers (Construction Business) 1773.27 1511.98
B. Housing 14591.88 11122.34
C. Others 4001.18 6439.14
N I L N I L
a. Fund Based 33.33 189.97
b. Non Fund Based N I L N I L
a. Fund Based 107.55 44.83
b. Non Fund Based N I L N I L
8.34% 7.16%
A. Gross NPAs. 4653.62 3353.57
% to Total Advances 4.34 % 3.62 %
B. Net NPAs. 2553.62 1628.57
% to Net Advances 2.43% 1.79%
1 Capital to Risk Assets Ratio
2 Movement in CRAR
3 Value of Investments
A. SLR Investments - Govt. Securities ( Book Value )
B. Non SLR Investments ( Book Value )
C. Other Investments
D. Fixed Deposit with Banks
Total Face Value 57582.29 42819.80
Total Book Value 57713.01 42226.81
Total Market Value 57684.63 42029.61
4 Advances against Real Estate, Construction Business, Housing.
Total 20366.33 19073.46
5 Advances against Shares & Debentures
6 Advances to Directors & their Relatives
A. Advances to Directors
B. Advances to Relatives of Directors
Total 140.88 234.80
7 Average Cost of Deposits
8 NPAs.
16
thANNUAL REPORT2012 - 201396
Disclosures as per RBI Guidelines(Rs. in Lacs)
Sr. Particulars As on 31-3-2013 As on 31-3 2012
No. Rs. Ps. Rs. Ps.
9 Movement in NPAs.
4653.62 3353.57
10 Profitability Ratios
11 Provisions made during the year
12 Movement in Provisions
A. Towards NPA
2615.67 2311.67
B. Towards Depreciation on Investments
230.00 230.00
C. Towards Standard Assets
450.00 365.00
13 Foreign Currency Assets & Liabilities
14 Deposit Insurance (DICGC) Premium Paid
Opening Balance 3353.57 3407.28
Add : Additions during the year 1894.76 621.60
Less : Recovery during the year 594.71 675.31
Closing Balance
A. Interest Income as % of Working Funds 10.54 % 10.12 %
B. Non Interest Income as % of Working Funds 1.00% 0.74 %
C. Operating Profit as % of Working Funds 1.55 % 1.67 %
D. Return on Assets 0.79 % 0.83 %
E. Business ( Deposits + Advances ) per Employee 394.87 396.16
F. Profit per Employee 1.91 1.96
A. Towards NPA 300.00 200.00
B. Towards Depreciation on Investments 49.17 149.67
C. Towards Investment Fluctuation Reserve 102.35 0.00
D. Towards Standard Advances 85.00 75.00
E. Towards Amortisation cost of Acquisition 0.00 73.57
F. Towards Investment Depreciation Reserve 0.00 89.00
Opening Balance 2311.67 2108.61
Add : Provision made during the year 300.00 200.00
Add : Recovery from Loan 4.00 3.06
Closing Balance
Opening Balance 230.00 141.00
Add : Additions during the year 0.00 89.00
Closing Balance
Opening Balance 365.00 290.00
Add : Additions during the year 85.00 75.00
Closing Balance
N I L N I L
April 2012 - Sept. 2012 / April 2011 - Sept. 2011 69.28 57.67
Oct. 2012 - Mar. 2013 / Oct. 2011 - Mar. 2012 74.73 62.78
April 2013 - Sept. 2013 / April 2012 - Sept. 2012 80.51 69.28
(The payments are made within stipulated time)
17
thANNUAL REPORT2012 - 201396
Disclosures as per RBI Guidelines
Sr. Particulars Amount Extent of ‘below Extent of Extent ofNo. investment ‘unrated’ ‘unlisted’
grade’Securities Securities Securities
15 i) Issuer composition of Non SLR
Investments -
TOTAL - 7853.13 0.00 92.69 92.69
1 PSUs — — — —
2 FIs 0.40 — 0.40 0.40
3 Public Sector Banks
a) Bonds 80.00 — — —
b) FDs 3524.98 — — —
4 Mutual Funds — — — —
5 Others
a) Bonds 92.29 — 92.29 92.29
b) FDs 4155.46 — — —
6 Provision held towards — — — —
Depreciation
ii) Non performing Non-SLR investments -
Opening Balance Nil
Additions during the year since 1st April Nil
Reductions during the above period Nil
Closing Balance Nil
Total Provisions held Nil
REPO CROM
1 Securities Sold
Minimum (Outstanding during the year) NIL NIL 850.25 299.00
Maximum (Outstanding during the year) NIL NIL 1488.17 995.50
Daily Average Outstanding during the year NIL NIL 1169.21 817.84
2 Securities Purchased
Minimum (Outstanding during the year) 80.63 49.36 194.24 99.05
Maximum (Outstanding during the year) 1044.96 1889.95 4999.68 3999.51
Daily Average (Outstanding during the year) 747.60 616.98 973.52 526.55
3 As on Balance NIL NIL NILNIL
Particulars 31-03-2013 31-03-2012 31-03-2013 31-03-2012
16 DISCLOSURES OF REPO / REVERSE REPO TRANSACTIONS(Rs. in Lacs)
17 RBI has imposed penalty on bank of Rs.5.00 Lakh on 16th July 2012 for the violation of instructions/ guidelines of RBI in
regards of branch shifting.
18
thANNUAL REPORT2012 - 201396
1. ACCOUNTING CONVENTIONS :
2. REVENUE RECOGNITION :
3. ADVANCES :
4. INVESTMENTS :
5. FIXED ASSETS and DEPRECIATION :
6. Lease Payment :
The accompanying financial statements have been prepared following the going concern concept, on historical cost basis unless otherwise stated andconform to the Generally Accepted Accounting Principles (GAAP) in India, which encompasses applicable statutory provisions, regulatory norms prescribedby the Reserve Bank of India, Accounting Standards (AS) and pronouncements issued by The Institute of Chartered Accountants of India and accountingpractices prevalent in the banking industry in India.
The preparation of financial statements requires the management to make estimates and assumptions considered in the reported amount of assets andliabilities (including contingent liabilities) as of date of the financial statements and the reported income and expenses for the reporting period. Managementbelieves that the estimates used in the preparation of the financial statements are prudent and reasonable.
(a) Income/Expenditure is generally accounted for on accrual basis, unless otherwise stated.(b) Interest on performing advances is recognized on accrual basis.(c) Income on Non-performing Assets (NPAs) is recognized on realization, in terms of the RBI guidelines.(d) Interest on fixed income securities is recognized on accrual basis.(e) Commission income on the bank guarantees is recognized as income on realization basis.(f) Locker Rent, Building Rent is generally recognized on actual basis.(g) Other items of income are recognized on realization basis.(h) Cost towards Staff incentives is recognized on cash basis.
(a) In terms of guidelines issued by the RBI, advances to borrowers are classified into “Performing” or “Non-Performing” assets based on recovery ofprincipal/ interest. NPAs are further classified as Sub-Standard, Doubtful and Loss Assets.
(b) Provision for Standard assets, Sub-Standard, Doubtful and Loss assets is made as per RBI guidelines.
(a) Investments are classified under `Held to Maturity' (HTM), 'Held for Trading' (HFT) and 'Available for Sale' (AFT) categories as per RBI guidelines.(b) Bank decides the category of each investment at the time of acquisition and classifies the same accordingly. Shifting of securities from one
category to other is done as per RBI guidelines with the approval of Board of Directors. The depreciation if any on such shifting is provided for andbook value is of the security is changed accordingly.
(c) The Bank has adopted the Accounting Procedure prescribed by the RBI for accounting of Repo and Reverse Repo transactions. Costs and revenuesare accounted for as interest expenditure / income, as the case may be.
(d) Investments are valued in accordance with the RBI guidelines.a. Securities under the category Held to Maturity' (HTM) are valued at cost. Where ever cost is higher than face value, the premium is
amortized over the remaining period of maturity.b. Securities under the category 'Available for Sale' (AFT) are marked to market and are valued at Market Rate declared by FIMMDA as on
31st March 2013. On the basis of valuation if it results in appreciation the same is ignored and if it results in depreciation the same isprovided for. The book value is not changed after the valuation at year end.
c. Securities under the category 'Held for Trading' (HFT) are valued as per prices declared by FIMMDA. The depreciation if any is providedfor. The book value is not changed after the valuation at year end.
(e) Profit and Loss on sale of investment is accounted for in the Profit & Loss account considering the original cost of acquisition.
a) Fixed Assets are stated at Cost net of Deprecation.b) Depreciation on assets is charged on the Written down Value at the rates determined by the Bank, except in respect of computers, vehicles where it
is calculated on the Straight Line Method, at the rates prescribed by RBI.c) Depreciation on fixed assets is charged for the full year if the asset is purchased and installed during the first six months of the year. If the asset is
purchased and installed in the later six months then 50% of the normal rate of depreciation is charged.
Operating lease payments are recognized as an expense in the Profit and Loss account on a straight line basis over the lease term. The details of LeasePayment as below –
Notes Forming Part Of The Profit & Loss AccountFor the year ended 31 , March, 2013 and Balance Sheet as on that date
st
SIGNIFICANT ACCOUNTING POLICIES
19
thANNUAL REPORT2012 - 201396
7. Earning per Share :
8. EMPLOYEE BENEFITS :
9. TAXES ON INCOME :
10. EXTRAORDINARY ITEMS :
11. Other Notes :
(a) Earning per share are calculated by dividing the net profit for the period after tax attributable to equity shareholders (before appropriation) by weightedaverage number of equity shares outstanding during the period.
(b) The weighted average number of equity shares outstanding during the period are calculated by aggregating the equity shares outstanding at thebeginning of the period adjusted by the number of shares surrendered/ forfeited or issued during the period multiplied by the time- weighting factor,which is the number of days for which the shares are outstanding as a proportion of total number of days during the year. Net worth of the Bank as ondate of Balance Sheet is Rs. 1072616000.00. thus value of the share comes to Rs. 22.68.
a) Provident Fund & Pension FundThe defined contribution as per Provident Fund & Pension Fund scheme is charged to Profit & Loss Account.
b) GratuityGratuity liability is recognized as per actuarial valuation made at the end of financial year. The bank pays contribution to Life Insurance Corporation ofIndia who maintains Gratuity Policy for bank employees.
c) Leave EncashmentBank has provided for Leave encashment benefit on the basis of declaration obtained from bank employees regarding exercises the option.
(a) Income Tax comprises the current tax provision.(b) Income Tax Authority has demand Rs. 71368222.00 towards income tax & interest on tax for the Assessment year 2007-08, 2008-09 & 2009-10.
Bank deposited Rs.6,65,00,000.00 against demand and shown the amount as receivable. The demands are pending with various appellateauthorities.
Shri Parshwanath Co-op Bank Ltd., Sangli merged with the Bank w.e.f 03/12/2007. The assets and liabilities and the reserves and provisions taken over fromthe merging bank are incorporated in the financial statements. The SPCB Collection A/c is reflected separately in Balance Sheet.
a. The Bank has ascertained that there is no material impairment of any of its assets and as such no provision under Accounting Standard 28 issued bythe ICAI is required.
b. Reconciliation of inter Bank Accounts as on 31/03/2013 are completed.c. Previous year figures are regrouped or rearranged or reclassified wherever necessary to confirm the layout of the accounts of the current year.
(Rs. In Lakh)
TotalConsideration
201.10
Lease amountdebited to P & L A/C
up to 31/3/12
Lease amountdebited to P & L A/C
in the current year i.e.2012-13
Balance amountas on 31/03/2013
182.643.0715.39
Revenue 4440.36 14912.16 19352.52
Expenses 3944.80 12809.64 16754.44
Provisions 49.16 487.36 536.52
Profit Before Tax 446.40 1615.16 2061.56
Profit After Tax 312.48 1011.08 1323.56
Taxation 133.92 604.08 738.00
Segment Assets 48332.41 139956.61 188289.02
Segment Liabilities 45915.79 142373.23 188289.02
12. The Segment Reporting Statement on the basis of Product & Services AS ON 31.03.2013
Treasury Operations(Dealing in Govt.
Securities)
Other Banking Operations(Lonas & Advances and
Other Services)Total
20
thANNUAL REPORT2012 - 201396
A Cash Flow Generated From Operating Activities1 Net Profit as per profit and Loss A/c 1323.56
TOTAL 3118.13LESS:
Operating Profit before Working Captial Changes 3116.97
2 Adjustments for working Capital Changes
Net Working Captial Changes 2579.27
Net Cash generated from Operating Activities 5696.24B Cash Flow From Investing Activities
C Cash Flow From Financing Activities
D Net Increase in Cash & Cash Equivalents
Ajustments for Depr./ Amortisation of Fixed Assets 477.67Provision Made 536.52Provision for taxation 738.00Loss on Sale of Assets 3.75Recovery in writte off account 4.00Dead Stock wriiten Off 13.91Entrance Fees & other 16.51Income tax paid (TDS) 4.21
Profit on sale of Assets 0.43Provision against Contiengecies 0.73
(Increase)/ Decrease in Investment (12014.81)(Increase)/ Decrease in Advances (14739.97)Increase / (Decrease) in Borrowings 2500.00Increase / (Decrease) in Deposits 25963.73Increase / (Decrease) in Interest payable 1542.53(Increase) / Decrease in Other Assets (548.78)(Increase) /Decrease in Advance Income Tax 719.35Increase / (Decrease) in Other Liabilities 610.64Increase / (Decrease) in I.Tax liability (1419.75)Increase/(Decrease) in Branch Adjsutment (33.67)
Fixed Assets Acquisition (Net) (465.27)
Increase in Share Capital 766.80Payment of Dividend (339.27)
Cash & Cash Equivalents at the beginning of the year 20933.43Cash & Cash Equivalents at the end of the year 26591.93
NOTE: Cash & cash Equivalents1. Cash Balance 835.232. Balance with Reserve Bank Of India 13997.093. Balances with other Banks 11759.61
13. Cash Flow Statement For The Year Ended 31-03-2013
Sr.
No.Particulars
As on 31-3-2013
Rs. Ps.
V. K. Joshi
Dy. Chief Executive Officer
(Accounts Dept.)
CA. Dilip M. Gurav
Chief Executive Officer
CA. Uday V. Kulkarni
Chartered Accountants & Internal Auditors
Place :
Date :
Karad
12-07-2013.
(Rs. in Lacs)
For M/s. LIMAYE & COMPANY
CA. VIJAY THAKKAR (Partner)
Chartered Accountants
Statutory Auditors
21
thANNUAL REPORT2012 - 201396
To,
(As applicable to Co-operative Societies)
Section 81(5)(b) and
Rule 69 of the Maharashtra Co-op. Societies Act/Rules]
We have audited the accompanying financial statements of
as at March 31, 2013, the Profit & Loss Account and Cash Flow Statement for the year ended
on that date, and a summary of significant accounting policies and other explanatory information.
These financial statements are the responsibility of the management of the Bank.
Our responsibility is to express our opinion on these financial statements based on our audit.
We conduct our audit in accordance with the auditing standards generally accepted in India. Those standards require that we plan
and perform the audit to obtain reasonable assurance about whether the financial statements are free from material
misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial
statement. An audit also includes assessing the accounting principles used and significant estimates made by the assessee. We
believe that our audit provides a reasonable basis for our opinion.
Subject to our comments and observations contained in the Audit Memorandum enclosed herewith, in our opinion and to the best
of our information and according to the explanations given to us, the financial statements read with significant accounting policies
and notes thereon give the information required by the Acts in the manner so required and give a true and fair view in conformity
with the accounting principles generally accepted in India:
1. We have audited the books of account of the Head Office and 23 Branches of the Bank. Remaining 25 branches of the Bank
are audited by J. B. Chavan & Associates, Chartered Accountants, Satara.
2. 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 and found them to be satisfactory.
3. In our opinion, proper books of account as required by the Maharashtra Co-operative Societies Act, 1960 and rules made
there under have been maintained so far as appears from our examination of those books and proper returns adequate for the
[Under Section 31 of the Banking Regulation Act, 1949
and
The Karad Urban Co-operative Bank Ltd. Karad Dist. – Satara,
which comprise the Balance Sheet
The Members of
The Karad Urban Co-operative Bank Ltd.
Report on Financial Statements
Responsibility for the Financial Statements
Opinion
Statutory Auditors' Report for the year ended 31st March, 2013
22
thANNUAL REPORT2012 - 201396
purposes of our audit were received from the branches and offices of the bank.
4. To the best of our knowledge and belief and according to the information and explanations given to us, there is no material
impropriety and irregularities in the expenditure or in the realization of monies due to the bank.
5. In our opinion, the consolidated Balance Sheet give the information required by the 3 schedule of Banking Regulation Act,
1949 (as applicable to Co-operative Societies), in the manner so required and give a true and fair view in conformity with the
accounting principles generally accepted in India.
6. The Consolidated Balance Sheet and Profit and Loss Account dealt with by this report are in agreement with the books of
account and show true and fair view of the state of affairs of the Bank.
7. The transactions of the Bank, which have come to our notice, are within the competence of the Bank.
8. In our opinion and to the best of our information and according to the explanations given to us, the accounts give information
as per the Maharashtra Co-operative Societies Act 1960 and rules made there under. Subject to our remarks and comments
in part A, B and C of our audit report, the accounts give a true and fair view:
(i) in the case of the Balance Sheet, of the of the Bank as at 31 March 2013;
(ii) in the case of the Profit and Loss Account, of the for the year ended on that; and
(ii) in the case of the , of the cash flows for the year ended on that date.
9. On the basis of CAMELS rating, the Bank has been awarded for the financial year 2012-13.
rd
stState of Affairs
Profit
Cash Flow Statement
'A' audit classification
Place :Date :
KARADJuly 12, 2013
For M/s. LIMAYE & COMPANY
CA. VIJAY THAKKAR (Partner)
Chartered Accountants
Statutory Auditors
23
thANNUAL REPORT2012 - 201396
24
Vnerc
31 _mM© 2013 AIoa (a¸$_ ê$. cmImV)(H$m°c_ 1, 2, 6A, 6~, 9, 10, 12 gmoSy>Z)
}
--------------------
1. _w»` H$m`m©c`mgh EHy$U emIm+{dñVm[aV H$j
2. g^mgX{Z`{_VZm_Ymar
3. dgyc ^mJ ^m§S>dc4. amIrd d BVa {ZYr5. R>odr
gopìh¨½OMmcy_wXV
6. H$O}VmaUr H$O}{~ZVmaUr H$O}AJ«H«$_ joÌXw~©c KQ>H$
7. ~mhoarc XoUr H$O}8. Jw§VdUyH$9. WH$~mH$sMo à_mU10. Am°S>rQ> dJ©11. Z\$m (H$anyd©)12. EHy$U godH$13. IoiVo ^m§S>dc
5317610059
4729.697290.56
166697.8624847.858697.90
133152.12107342.27104110.87
3231.4047.86 %12.30 %2500.00
49001.933.44 %
"A'2061.56
694188289.03
48+1+1
{X H$amS> A~©Z H$mo- Am°n. ~±H$ {c.,H$amS>. (eoS>çÿëS> ~±H$)
516/2, e{Zdma noR>, emhÿ Mm¡H$,H$amS> -415 110, {O. gmVmam
24.01.1917
`w.~r.S>r./E_.EM./885 nr.{X. 15.10.1987
gmVmam, gm§Jcr, nwUo, gmocmnya,H$moëhmnya, aËZm{Jar d am`JS> `m{Oëøm§Vrc ZmJar/{Z_ZmJar H|$Ðo Am{UË`mH§o$Ðm^modVrÀ`m 10 {H$. _r.n[agamVrc J«m_rU ^mJ d Zdr _w§~B©,_w§~B© _hmZJa d {VMr CnZJao
~±Ho$Mo Zmd
_w»` H$m`m©c`nÎmm
Zm§oXUr {XZm§H$
[aPìh© ~±H$cm`goÝg Z§~a
H$m`©joÌ :
}
n[a{eîQ> "A'
PARTICULARS
}
Name of BankThe Karad Urban Co-opeativeBank Ltd., Karad
Head OfficeAddress
516/2, Shaniwar Peth, Shahu Chowk,Karad, Dist. Satara PIN- 415110
Registration Date 24-01-1917
Reserve BankLicense No.
UBD/MH/885P, Dated.15-10-1987
Area ofOperation
Urban/Semi urban Centers including ruralarea within the periphery of 10 K.M. fromthose centers from Satara, Sangli, Pune,Solapur, Kolhapur, Ratnagiri, Raigad Districtand new Mumbai, Greater Mumbai and itssuburbs.
ANNEXURE-"A"
As on 31st March 2013 (Rs. in Lakhs)(except 1,2,6A,6B,9,10,12)
}--------------------
5317610059
4729.697290.56
166697.8624847.858697.90
133152.12107342.27104110.87
3231.4047.86 %12.30 %2500.00
49001.933.44 %
"A'2061.56
694188289.03
48+1+1Total Branches (H.O.+Extn. Counter)MembershipShareholdersNominal MemberPaid Up Share CapitalReserve and Other FundsDepositsSavingsCurrentFixedLoans and AdvancesSecuredUnsecured% of Priority Sector% of Weaker SectionBorrowingsInvestments9% of OverduesAudit Class "A"Profit (Before Tax)Total Staff 694Working Capital
1.
2.
3.4.5.
6.
7.8.9.1011.12.13.
top related