Financial position of last 5 years [ Rs.

in Lakhs]

31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.2012 Paid up Share Capital Reserves Deposits Loans & Advances Gross Profits Net Profits Working Capital 4,046.00 4,577.00 5,616.00 7,200.22 7,964.63

62,965.00

67,195.00

76,241.00

73,511.47

79,239.65

262,550.00 317,481.00 471,062.00 526,061.92 651,884.91 161,610.00 185,639.00 256.473.00 345,266.22 437,752.77 12,607.00 4,081.00 17,587.00 9,236.00 5,528.00 2,990.00 12,464.57 7,796.45 12,682.89 8,016.87

43,428.00 412,215.00 523,763.00 662,239.01 776,429.06

Investments 142,072.00 188,320.00 215,482.00 217,773.36 250,392.82

Membership (Nos.)

120,577

123,011

129,584

138,703

146,056

Company Overview

Abhyudaya Co-operative Bank Ltd. operates as an urban co-operative bank in India. The company offers various personal banking services, such as saving bank accounts, current accounts, no frills accounts, any branch banking services, and ATM services, as well as various deposit schemes, including saving, current, and term deposit schemes; and business banking services, which include mobile and Internet banking, NRO/NRE accounts, and foreign exchange services. Its loan products include personal, housing, education, mortgage, and vehicle loans, as well as loan against gold ornaments, loan/secured overdrafts, loans against govt. securities, loan secured overdrafts against govt. securities, and loans for women entrepreneurs. The company also provides fax on demand services that consist of statement of account, latest balance, and inward clearing cheque details services; telebanking, franking, and lockers services; real time gross settlement services for customer transaction/remittances; and insurance services. Abhyudaya Co-operative Bank Ltd. was founded in 1964 and is based in Mumbai, India with branch locations in Mumbai, Navi Mumbai, Pune, Raigad, Thane, Udupi, Manglore, Vadodara, and Ahmedabad, India.

COMPANY INFORMATION

Full name Abhyudaya Co-Op. Bank Ltd. Legal Address 36/2512, Abhyudaya Nagar, G D Ambekar Marg; Mumbai; Maharashtra; 400033

Status: Non-Listed Legal Form: Limited Liability Company Operational Status: Operational Financial Auditors: A P Sanzgiri & Co. (2011) Total Employees: 1,997 Tel: 65053708

COMPANY DESCRIPTION

Abhyudaya Co-op. Bank Ltd., one of the leading Urban Co-operative Banks in India, in its outlook and approach, has the objective of progress and prosperity of all. From a humble beginning in January 1964 as a Co-operative Credit society with a share capital of a merely Rs.5,000/- held by 83 members, today Abhyudaya Co-op Bank has become one of the large Urban Co-operative Banks with a "Scheduled Bank" status. The Bank has been converted into a Multi-State Scheduled Urban Co-op. Bank " w.e.f. 11th More

COMPANY ANALYSIS According to the Individual - Audited financial statement for the Year of 2011, total net operating revenues increased with 38.86%, from INR 435.68 tens of millions to INR 604.99 tens of millions. Operating result increased from INR 21.31 tens of millions to INR 88.75 tens of millions which means 316.47% change. The results of the period increased 318.32% reaching INR 77.64 tens of millions at the end of the period against INR 18.56 tens of millions last year. Return on equity (Net income/Total equity) went from 1.98% to 8.22%, the Return On Asset (Net income / Total Asset) went from 0.35% to 1.15% and the Net Profit Margin (Net Income/Net Sales) went from 4.26% to 12.83% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 715.12% compared to 569.35% of last year.