lr.

em§Vmam‘ dmH²$Mm¡ao
à. ‘w»¶ H$m¶©H$mar A{YH$mar
 dm{f©H$ gd©gmYmaU g^m ZmoQ>rg
(\$ŠV g^mgXm§H$[aVm)
amOJwê$ZJa ghH$mar ~±H$ {b.>, amOJwê$ZJa `m ~±Ho$Mr 88 dr dm{f©H$ gd©gmYmaU g^m a{ddma, {XZm§H$ 8 gßQ>|~a 2019
amoOr gH$mir 10.00 dmOVm M§Ð‘m JmS>©Z _§Jb H$m`m©b` g^mJ¥h, dmS>m amoS>, amOJwê$ZJa `oWo nwT>rb {df`m§Mo H$m_H$mOmH$[aVm
Am¶mo{OV Ho$cr Amho. Var g^og doioda CnpñWV ahmdo, hr {dZ§Vr.
g^onwT>rb {df`
1. {XZm§H$ 16 gßQ>|~a, 2018 amoOr Pmboë`m dm{f©H$ gd©gmYmaU g^oMm d¥Îmm§V dmMyZ H$m`_ H$aUo.
2. gZ 2018-2019 Mm ~±H$ dm{f©H$ Ahdmb, Vmio~§X d Z\$m - VmoQ>m nÌH$ ñdrH¥$V H$aUo.
3. _m. g§MmbH$ _§S>imZo gwM{dboë`m gZ 2018-2019 À`m Z\$m dmQ>Urg _§Owar XoUo.
4. gZ 2018-2019 À¶m d¡Ym{ZH$ coImn[ajU AhdmcmMr Zm|X KoUo VgoM gZ 2017-2018 À¶m d¡Ym{ZH$
coImn[ajH$mMo VnmgUr AhdmcmMm ‘m.ghH$ma Im˶mH$S>o nmR>{dcocm$~±H$ Xmof-Xþê$ñVr Ahdmc ñdrH¥$V H$aUo.   
5. gZ 2019-2020 gmR>r d¡Ym{ZH$ coImn[ajH$mMr Zo‘UyH$ H$aUo d ‘mZYZ R>a{dUo.
6. gZ 2020-2021 gmR>r A§VJ©V d H§$H$aÝQ> boImn[ajH$m§Mr Zo‘UyH$ H$aʶmMo d ˶mMr ’$s R>a{dʶmMo A{YH$ma
‘m. g§MmbH$ ‘§S>img XoUo~m~V {ZU©¶ KoUo.
7. gZ 2019-2020 À¶m A§XmOnÌH$mg ‘§Owar XoUo.
8. gZ 2018-2019 ‘ܶo EH$aH$‘r H$O© naV’o$S> ¶moOZoÛmao nyU© Pmcoë¶m H$O© Im˶m§Mr ‘m{hVr KoUo.
9. d¡Ym{ZH$ coImn[ajH$m§Zr à_m{UV Ho$cocr d Á`m WH$sV H$O© ImË`mV dgwcrMr eŠ`Vm Zmhr Aer ImVr dgwcrMo gd©
h¸$ A~m{YV amIyZ {Zc}{IV H$aUo ~m~V {ZU©` KoUo.
10. g§MmcH$ ‘§S>i gXñ¶ d ˶m§Mo ZmVodmB©H$m§Zm {Xcoë¶m H$Om©~m~V ‘m{hVr KoUo.
11. ~±Ho$À¶m g^mgXm§H$[aVm à{ejU XoUo g§X^m©V Ho$coë¶m ¶moOZoMr ‘m{hVr KoUo.
12. gXa dm{f©H$ gd©gmYmaU g^oVrc AZwnpñWV g^mgXm§Mr aOm j_m{nV H$aUo.
13. ‘m. Aܶj ¶m§Mo nadmZJrZo EoZdoir ¶oUmè¶m {df¶m§Mm {dMma H$aUo.

_m.g§MmbH$ _§S>imÀ`m Amkodê$Z

amOJwê$ZJa (nwUo)
em§Vmam‘ ~m~wamd dmH²$Mm¡ao
{X. 29/07/2019
à.‘w»¶ H$m¶©H$mar A{YH$mar

{deof gyMZm
1. JUnyVu A^mdr g^m VhHy$~ Pmë`mg gXaMr g^m Ë`mM {Xder, Ë`mM {R>H$mUr gH$mir 10.30 dmOVm KoÊ`mV `oB©b. gXa
g^og JUnyVuMr Amdí`H$Vm AgUma Zmhr.
2. dm{f©H$ gd©gmYmaU g^o nwT>rb {df`m§g§~§Yr H$mhr àíZ AJa gyMZm Agë`mg Ë`m {X. 31 Am°JñQ>, 2019 n`ªV ~±Ho$À`m _w»`
H$m`m©b`mV boIr AmUyZ Úmì`mV.
3. ~±Ho$Mm dm{f©H$ Ahdmb, Vmio~§X d Z\$m-VmoQ>m nÌH$, ~±Ho$Mo _w»` H$m`m©b` d emIm§H$S>o H$m`m©b`rZ doioV g^mgXm§Zm
nmhÊ`mg CnbãY Ho$bobm Amho.
4. g^og `oVmZm dm{f©H$ AhdmbmMr àV gmo~V AmUmdr.
5. Amnë¶m CnpñWVr ~m~V g^oÀ¶m {R>H$mUr R>odʶmV Amcoë¶m g^m CnpñWVr a{OñQ>a ‘ܶo AmnU ñdmjar H$amdr.

88 dm dm{f©H$ Ahdmb 1
2018-2019
 AÜ`jr` _ZmoJV...
gÝ_mZZr` g^mgX ~§Yy - ^{JZtZmo,
~±Ho$À`m 88 ì¶m dm{f©H$ gd©gmYmaU g^oÀ¶m {Z{‘ÎmmZo AmnUm gdmªMo g§MmcH$ ‘§S>imMo dVrZo ñdmJV H$aVmo. {X. 31
_mM© 2019 AIoaMm dm{f©H$ Ahdmc, Vmio~§X d Z\$m-VmoQ>m nÌH$ ñdrH¥$VrgmR>r AmnUm g‘moa gmXa H$arV Amho.
Ahdmc dfm©V ^maVr¶ ~±qH$J àUmcrV [aPìh© ~±H$ Am°’$ B§{S>¶mZo Omhra Ho$coë¶m doimodoiMo nVYmoaUmZwgma ì¶mO
XamVrc ~Xc {‘lñdénmMo am{hco. Va AZwËnm{XV H$Om©Mr dgwcr H$aUo ho gd© ~±H$m§nwT>o ‘moR>o AmìhmZ R>aco. emgH$s¶
amo»¶m§À¶m dJuH$aUmÀ¶m YmoaUmMm ’$Q>H$m ~±H$m§Zm ~gcm. ~±H$m§darc gm¶~a h„o ˶m‘wio [aPìh© ~±Ho$H$S>o Ho$gog XmIc
Pmë¶m Am{U OmJ{VH$sH$aUm‘wio XoemÀ¶m Am{W©H$ joÌmV A‘wcmJ« n[adV©Z hmoVmZm ˶mMm n[aUm‘ ZmJar ghH$mar
~±H$m§da Pmcocm Amho.
`m nmíd©^y_rda Amnë¶m ~°§Ho$Mr Am{W©H$ H$m‘{Jar CÎm‘ am{hcr AgyZ Z’$m j‘VoV Cƒm§H$s dmT> Pmcr Amho. Ahdmc
dfm©V ~±Ho$À¶m T>mo~i Zâ¶mV 23% Va {Zìdi Zâ¶mV 2% dmT> Pmcr AgyZ, {Zìdi ì¶mO CËnÞmV é. 718.39 cmIZo
dmT> Pmcr. Va EHy$U CËnÞmV é.708.52 cmIMr dmT> hmoD$Z ‘mJrc dfm©À¶m é.11082.10 cmIÀ¶m VwcZoV
é.11790.62 cmI BVHo$ Zm|Xco Joco. Va ~±Ho$À¶m EHy$U ì¶dgm¶mVrc dmT> JVdfu BVH$s åhUOo 6% Zm|Xcr Jocr.
nwduÀ¶m H$mimV R>odrÀ¶m dmT>rVrc ~±H$ OmñV ¶eñdr g‘OʶmV ¶m¶Mr AmO ‘mÌ Á¶m ~±Ho$Mm J«m°g EZ nr E H$‘r
Agoc Aer ~±H$ ¶eñdr g‘Ocr OmV Amho.
gaH$mar, ImOJr, {dXoer, no‘|Q> ~±H$m, ñ‘m°c ’$m¶ZmÝg ~±H$m§À¶m ñnY}V ZmJar ghH$mar ~±H$ ì¶dgm¶mV dmT> H$aV
AmhoV. ñdmdc§~rnUm hm ˶m§Mm ñWm¶r^md Amho.
AmYw{ZH$ ^maVr¶ ~±qH$JMo énm§Va ~±qH$J Vo p³cH$ ~±qH$J Ago Pmë¶mZo ¶m joÌmV J«mhH$m§Zm {doeof Ago ‘hÎd àmá
Pmcoco Amho.
Amncr ~±H$ ì¶dgm¶ dmT>rV AmnUm gdmªMo gh^mJmZo Zoh‘rM nwT>o OmV Amho. qH$~hþZm Xadfu A{YH$ AZw^d{gÜX d
n[an³d hmoV Amho åhUyZM {XK©H$mcrZ Agcocr Amncr ~±H$ n[anyU©VoZo dmQ>Mmc H$arV Amho. ~±qH$J joÌ ~XcV
AgVmZm gdmªZm gdm}Îm‘ godm XoʶmgmR>r Amåhr H$Q>r~ÜX AmhmoV ˶mgmR>r ¶mnwT>o hr Amncm gH$mamË‘H$ à{VgmX {‘imdm.
¶m àg§Jr EdT>rM Anojm 춺$ H$aVmo.
nwZ:íM EH$Xm gdmªZm hm{X©H$ ew^H$m‘Zm !
Amncm ñZohm§{H$V
JUoe EH$ZmW {WJio
AÜ`j

2 88 dm dm{f©H$ Ahdmb
2018-2019
 * dm{f©H$ gd©gmYmaU g^m …
Ahdmb dfm©V {XZm§H$ 16 gßQ>|~a, 2018 amoOr dm{f©H$ gd©gmYmaU g^m KoÊ`mV Ambr. gXa g^o_Ü`o
31 _mM©, 2018 AIoa g§nboë`m, ~±Ho$À`m 87 ì`m Am{W©H$ dfm©Mm Ahdmb VgoM g^onwT>rc gd© {df¶ H$m‘H$mO g§_V
H$aÊ`mV Ambo.
* g§MmbH$ _§S>i H$m_H$mO …
AÜ`j d CnmÜ`j nX^ma nwT>rcà_mUo :-
{XZm§H$ :- 02/06/2015 Vo 14/05/2018
AÜ`j …- lr. {H$aU M§ÐH$m§V Amhoa
CnmÜ`j…- lr. naoe M§ÐH$m§V Im§JQ>o
{XZm§H$ :- 15/05/2018 nmgyZ
AÜ`j …- lr. JUoe EH$ZmW {WJio
CnmÜ`j…- lr. gmJa H$miwam‘ nmQ>moio ({X.01/08/2019 n¶ªV)
‘m.g§MmcH$ ‘§S>i g^m {X.2 Am°JñQ> 2019 ‘ܶo lr. lrH$m§V lrI§S>o Aܶmgr A{YH$mar amOJwéZJa ghH$mar ~±H$ {c.
VWm ghmæ¶H$ {Z~§YH$ ghH$mar g§ñWm IoS>, {Oëhm nwUo ¶m§Mo AܶjVoImcr lr.AéU amKy {WJio ¶m§Mr Cnmܶj nXr
{ZdS>> Pmcr. ˶mZwgma ˶m§Zr nX^ma pñdH$macm.
* g§MmbH$ _§S>i g^m …
Ahdmc dfm©V g§MmcH$ _§S>imÀ`m 26 g^m Pmë`m. g§MmcH$ _§S>i g^m CnpñWVr nwT>rcà_mUo 
A. H«$. _m. g§MmbH$m§Mo Zm§d nX CnpñWVr
1 lr. JUoe EH$ZmW {WJio AÜ`j 26
2 lr. gmJa H$miwam‘ nmQ>moio CnmÜ`j 24
3 lr. àVmn ‘hmXod Amhoa g§MmbH$ 26
4 A°S>. lr. ‘wHw§$X ‘méVr AmdQ>o g§MmbH$ 24
5 lr. {H$aU M§ÐH$m§V Amhoa g§MmbH$ 16
6 lr. {H$aU dg§Vamd ‘m§Oao g§MmbH$ 26
7 lr. amO|Ð ‘méVr gm§S>^moa g§MmbH$ 26
8 A°S>.lr. XÎmm̶ H$m{eZmW Jmoao g§MmbH$ 22
9 lr. g{Ve ~~Zamd ZmB©H$ao nmQ>rc g§MmbH$ 11
10 gm¡. {dO¶m am‘Xmg qeXo g§MmbH$ 26
11 lr. amO|Ð XeaW dmi§wO g§MmbH$ 23
12 lr. YZ§O¶ ‘YwH$a H$hmUo g§MmbH$ 25
13 lr. amhþc nmonQ>amd Vm§~o g§MmbH$ 20
14 gm¡. ho‘cVm goZmnVr Q>mH$iH$a g§MmbH$ 26
15 lr. {XZoe a‘oe Amogdmc g§MmbH$ 23
16 lr. naoe M§ÐH$m§V Im§JQ>o g§MmbH$ 26
17 lr. Aê$U amKy {WJio g§MmbH$ 25
18 A°S>. lr. Y‘]Ð OZmX©Z Im§S>ao Vk g§MmbH$ 20
19 lr. gr. E. {H$gZ Ym|{S>~m JmaJmoQ>o Vk g§MmbH$ 23

88 dm dm{f©H$ Ahdmb 3
2018-2019
 * Cng{_Ë`m g^m …
Ahdmb dfm©V nwT>rb Cng{_Ë`m§Ûmao H$m_H$mO Ho$bobo Amho.
A. H«$. Cng{_VrMo Zm§d g^m
1. H$O© Cng{_Vr 21
2. H$m`©H$mar Cng{_Vr 15
3. godH$ Cng{_Vr 19
4. Am°S>rQ> Cng{_Vr 08
5. Jw§VdUyH$ Cng{_Vr 04
6. W{H$V H$O© goQ>b_|Q> d H$O© WH$~mH$s dgwbr Cng{_Vr 06
7. B‘maV ~m§YH$m‘ Cng{‘Vr 08
8. H$m`Xm Cng{_Vr 03
9. Am`. Q>r. Cng{_Vr 10

~±Ho$Zo AëH$mo H${‘Q>r (qOXJr-Xo¶Vm ì¶dñWmnZ g{‘Vr) Mr ñWmnZm Ho$cr AgyZ ¶m‘ܶo VacVm ì¶dñWmnZ, Jw§VdUyH$
ì¶dñWmnZ, ì¶mOXam§À¶m OmoIr‘Mo ì¶dñWmnZ ~±Ho$À¶m qOXJr Am{U Xo¶VoMo VgoM ~mOmamVrc Xam§À¶m OmoIr‘rMo ì¶dñWmnZ ¶m
gma»¶m ‘hËdnyU© {df¶m§Mo {ZU©¶ KoVco OmVmV. ¶m H$m‘H$mOmgmR>r g[‘VrÀ¶m 5 g^m§Ûmao H$m‘H$mO Ho$coco Amho.

* g^mgX …
31 _mM© 2018 AIoa Zm|Xbobo g^mgX 31339 AmhoV. Ahdmb dfm©V Ë`m_Ü`o 1459 Mr dmT> Am{U amOrZm_m d AÝ` H$maUm§Zr
369 Mr KQ> hmodyZ 31 _mM© 2019AIoa Zm|Xbobo g^mgX 32429 AmhoV.
Ë`mMr {dJVdmar nwT>rbà_mUo.
ì`º$s g^mgX (A + ~) : 32185
n¡H$s A) nwwéf : 24948
~) ór : 7237
g§ñWm Am{U \$_© g^mgX : 244
Ahdmb df© AIoa Zm__mÌ g^mgX 5443 AmhoV.

* ^mJ^m§S>db d ñd{ZYr …
{X. 31 _mM© 2019 AIoa ~±Ho$Mo dgyc ^mJ ^m§S>dc ` 3752.78 cmI Amho. ~±Ho$Mo ñd{ZYr ` 11868.14 cmIm§Mo AmhoV
åhUOoM (^mJ ^m§S>dc Ÿ+ ñd{ZYr) ~±Ho$Mr ZŠV g§nÎmr ` 15620.92 cmIm n`ªV Pmcr Amho. ^mJ ^m§S>dc dmT>rMo à‘mU 9.45%
Am{U ñd{ZYr dmT>rMo à‘mU 15.18% BVHo$ Amho.
* ^m§S>dbmMr n`m©áVm à‘mU (CRAR) …
~±Ho$Mr {X. 31 _mM© 2019 AIoaMr H$O}, Jw§VdUyH$ Am{U BVa ‘mc‘Îmm ¶mda [aPìh© ~±Ho$À¶m ‘mJ©Xe©H$ VËdmZwgma OmoIr‘ ^ma
(Risk Weight) cmJy Amho. H°${nQ>c ’§$S>mMo OmoIr‘ ^maer à‘mU H$mT>Uo åhUOo ~±Ho$Mr Am{W©H$ pñWVr ‘moOʶmMo {ZH$f hmo¶. [aPìh©
~±Ho$cm ^m§S>dc n¶m©áVm à_mU ZmJar ghH$mar ~±H$m§gmR>r ì`mnmar ~±H$mà_mUo  {H$‘mZ 9% BVHo$ Ano{jV Amho. ¶mnojm A{YH$ åhUOo
~±Ho$Mr Am[W©H$ pñWVr CÎm_ AgʶmMo cjU Amho. Amnë¶m ~±Ho$Mo ho JwUmoÎma 19.32% BVHo$ Amho.

* ZoQ>dW© (Networth) …
^mJ^m§S>dc d ñd{ZYrV hmoUmar dmT> hr ~±Ho$Mm nm¶m ‘O~yV H$aʶmg nmofH$ Amho. ¶m dmT>r‘wio ~±Ho$Mo ZoQ>dW© (Net Worth)
dmT>ʶmg ‘XV hmoVo. {XZm§H$ 31 _mM© 2019 AIoa ZoQ>dW© (Net Worth) ` 13227.98 cmI BVHo$ Amho.

4 88 dm dm{f©H$ Ahdmb
2018-2019
* R>odr …
~±Ho$Zo Ahdmc dfm©V é.3752.74 cmImÀ¶m R>odr g§H$crV H$éZ Ahdmc dfm©AIoa ~±Ho$À¶m EHy$U R>odr é.104771.41 cmI
Pmë¶m AmhoV. R>odr dmT>rMo à‘mU 3.71% BVHo$ Amho. ~±qH$J joÌmV Zì¶mZo àdoe Ho$coë¶m no‘|Q> ~±H$m d ñ‘m°c ’$m¶ZmÝg ~±H$m§À¶m
A{V[aº$ ñnY}V, AmH$f©H$ ì¶mOXamÀ¶m ñnY}V VgoM ~±Ho$Zo ‘moR>çm a¸$‘oÀ¶m R>odrnojm chmZ R>odrda ^a XoʶmMo YmoaU amIVmZm
R>odrVrc Pmcocr dmT> åhUOo J«mhH$m§Mm {dídmg d ˶m§Mr ‘mZ{gH$Vm ho Amnë¶m ~±Ho$À¶m ~m~V CÎm‘ CXmhaU Amho.
^maVr¶ [aPìh© ~±Ho$À¶m {ZX}emZwgma R>od Im˶mda 2 df© dm ˶mhþZ A{YH$ H$mcmdYr ì¶dhma Z Ho$ë¶mg Aer ImVr
gwa{jVVoH$[aVm Dormant Account åhUyZ dJuH¥$V H$aʶmV ¶oVmV. VgoM Or R>od ImVr 10 dfm©hyZ A{YH$ H$mcmdYrgmR>r
Inoperative AgVrc Aem Im˶m§Mr O‘m a¸$‘ Depositor Education & Awareness Fund (DEAF) ImVr dJ© Ho$cr
OmVo. ˶m‘wio gd© g^mgX ImVoXmam§Zm {dZ§Vr H$aʶmV ¶oVo H$s, ˶m§Zr ˶m§À¶m Im˶mV Zoh‘r ì¶dhma H$amdoV.
* R>odtdarb {d_m g§ajU …
{S>nm°PrQ> BÝewaÝg A°ÊS> H«o$S>rQ> J°a§Q>r H$mnm}aoeZH$S>o ~±Ho$Zo {X. 30/09/2019 n`ªV R>odtÀ`m {då`mMm {à{_`_ ^abm AgyZ,
{à{_`_ {ZYm©[aV doionydu ^acm Amho.
* H$Oo© …
OmoI‘rMo ì¶dñWmnZ Ogo ~±Ho$gmR>r ‘hËdmMo AgVo Vgo ‘§Oya Pmcoco H$O© doioda naV ¶oUo hr ’$ma ‘hËdmMr ~m~ Amho. H$O©
ImVo {ZpîH«$¶ ‘mc‘Îmm hmoUma Zmhr. ¶m ^y{‘Ho$VyZ H$O© dmQ>n H$aVmZm Ahdmc dfm©V H$Om©‘ܶo é.5986.10 cmIZo dmT> hmoD$Z
Ahdmc df© AIoa ~±Ho$Mo EHy$U H$O©o é.67474.40 cmI BVHo$ Amho. H$O© ì¶dhma dmT>rMm doJ 9.74% BVH$m Amho Am{U ~±Ho$Mm gr.S>r.
aoemo 64.40% BVH$m Amho. ~±Ho$Mm AJ«H«$‘ joÌmcm Agcocm H$O© nwadR>m [aPìh© ~±Ho$À¶m 40% {ZH$fmÀ¶m VwcVoV 46.09% BVH$m
Amho.
H$O© nwadR>m H$aVmZm VmaUr H$O} 94.90% Va {dZmVmaUr H$O} 5.10% BVH$s AmhoV. ¶m‘wio ~±Ho$Mr H$O} nwadR>çmVrc OmoIr‘
‘¶m©{XV Amho.
~±Ho$Zo g^mgXm§À¶m Am{W©H$ JaOm AmoiIyZ H$O© ¶moOZo‘ܶo H«o${S>Q> aoqQ>J ¶moOZm gwé Ho$cr Amho. gXa ¶moOZoMm cm^ ¿¶mdm Ago
AmnUm§g AmìhmZ H$aVmo.
{X. 31/03/2019 AIoa g§MmbH$ _§S>i d Ë`m§Mo {ZH$Q>Mo ZmVodmB©H$ `m§Mo H$S>rb H$O© Vn{eb nÌH$ :
(‘hmamï´> ghH$mar g§ñWm A{Y{Z¶‘ 1960 Mo H$c‘ 75 (2) Zwgma VgoM [aPìh© ~±H$ Am°’$ B§{S>¶m Mo n[anÌH$mZwgma)
A.H«$. EHy$U H$Om©er
Vnerb g§»`m `oUo ~mH$s WH$~mH$s
eoH$S>m à_mU
1. g§MmbH$m§H$S>rb H$O©o -- -- -- --
2. g§MmbH$ ZmVodmB©H$ 12 30,78,410.00 Zmhr 0.05%
H$Oo© d g§~§{YV \$_©g²
EHy$U 12 30,78,410.00 Zmhr 0.05%
[aPìh© ~±H$ Am°’$ B§{S>¶m ¶m§MoH$S>rc n[anÌH$mZwgma g§MmcH$ d ˶m§Mo ZmVodmB©H$ ¶m§Zm ‘wXV R>odr d {d‘m nm°{cgrMo
VmaUmda H$O© XoʶmMr ‘w^m Amho. Cnamoº$ A.H«$.2 ‘ܶo Z‘yX Ho$cocr H$O© ho ˶m§Mo ñdV:Mo Zm§dmdarc ‘wXV R>odrÀ¶m
VmaUmda XoʶmV Amcocr AmhoV.
* WH$~mH$s …
{X. 31/03/2019 AIoa H$Om©‘ܶo EHy$U WH$~mH$s é.5539.27 cmI AgyZ ¶oUo H$Om©er {VMo à‘mU 8.21% BVHo$ Amho.
* EZ.nr.E. …
~±Ho$Zo H$O© XoVmZm KoVcoë¶m XjVm, dgwcrYmoaU d dgwcr {d^mJmÀ¶m VgoM gd© A{YH$mar d godH$m§À¶m CÎm‘ H$m‘{Jar‘wio
~±Ho$Mo J«m°g EZ.nr.E. à‘mU 9.39 % Va ZoQ> EZ.nr.E. à‘mU 4.44% BVHo$ Amho. [aPìh© ~±Ho$cm ho à‘mU AZwH«$‘o 7% d 3% Mo AmV
Ano{jV Amho. ho à‘mU amIʶmgmR>r EZ.nr.E. H$O©Xmam§da dgwcrgmR>r H$m¶Xoera ‘mJmªMm Adc§~ H$amdm cmJV Amho. ˶m‘wio ˶m§Zr
Amncr WH$sV H$O© ImVr {Z¶{‘V H$amdrV Aer {dZ§Vr H$aVmo.

88 dm dm{f©H$ Ahdmb 5
2018-2019
 ~±Ho$À¶m EHy$U H$Om©n¡H$s 90.61% H$O© hr CËnm{XV / ñQ>±S>S>© H$O© AmhoV. [aPìh© ~±Ho$À¶m EZ.nr.E. ~m~VÀ¶m {ZH$fmg nmÌ
amhÿZ ~±Ho$Zo Amdí¶H$ ˶m VaVyXr Ho$boë¶m AmhoV.

* Jw§VdUyH$ …
[aPìh© ~±Ho$À¶m ‘mJ©Xe©H$ gyMZoZwgma ~±Ho$Zo amoIrMr ‘¶m©Xm (CRR) d VacVm (SLR) amIcr Amho. VgoM ~±Ho$Zo Ho$coë¶m gd©
Jw§VdUwH$sMo A§VJ©V coImn[ajH$mH$Sy>Z {V‘mhr coImn[ajU H$éZ ˶mMr à‘mUnÌo ~±H$ Xáar XmIc Ho$cr AmhoV. ~±Ho$Zo Ho$coë¶m
Jw§wVdUwH$sVyZ é.3586.33 cmI ì¶mO {‘i[dco Amho. Va gaH$mar amo»¶m§‘ܶo {dH«$s ì¶dhmamVyZ é.138.50 cmIm§Mm Z’$m {‘i[dcm
Amho. Ahdmc df© AIoa EHy$U Jw§VdUyH$ é.43752.70 cmI BVH$s Amho.

* Z\$m {d^mJUr …
Ahdmc df© AIoa é.3008.91 cmImMm T>mo~i Z’$m Pmcm, ˶mVyZ VaVyXr é.1907.00 cmI dOm OmVm (H$amoÎma) {Zìdi
Z’$m é.1101.91 cmI Pmcm Amho. ‘mJrc dfr©Mm {e„H$ Z’$m é.44563.54 A{YH$ ‘mJrc dfm©Vrc cm^m§emVrc {e„H$ a¸$‘
é.79,75,112.20 A{YH$ Mmcy dfm©Mm {Zìdi Z’$m é.11,01,91,341.04 {‘iyZ Z’$m dmQ>UrgmR>r EHy$U Z’$m
é.11,82,11,016.78 BVH$m CncãY Amho. g§MmcH$ ‘§S>imZo gXa Z’$mdmQ>Ur ~m~V nwT>rc à‘mUo {e’$mag Ho$cocr Amho. ˶mg
‘mݶVm Úmdr hr {dZ§Vr.
A.H«$. Z\$m {d^mJUr aŠH$_ én`o EHy$U Zâ`mer à_mU
1. J§JmOir (EHy$U Zâ¶mMo 25% gw‘mao) 2,80,00,000.00 23.69 %
2. bm^m§e (12% àmoaoQ>m gw_mao) ([aPìh© ~±Ho$À¶m ‘mݶVoÀ¶m Anojoda) 4,24,00,000.00 35.87 %
3. bm^m§e g_VmocZ {ZYr 37,60,000.00 3.18 %
(dgwc ^mJ ^m§S>dcmda 1%)
4. Jw§VdUyH$ MT>-CVma {ZYr 1,50,00,000.00 12.69 %
5. ~±H$ {ZdS>UyH$ {ZYr 5,00,000.00 0.42 %
6. à{ejU {ZYr 14,00,000.00 1.18 %
7. V§ÌkmZ {dH$mg {ZYr 15,00,000.00 1.27 %
8. B_maV {ZYr 2,49,00,000.00 21.06 %
9. bmoH$H$ë`mÊm {ZYr 5,00,000.00 0.42 %
10. godH$ H$ë`mU {ZYr 2,00,000.00 0.17 %
nwT>rc dfm©gmR>r {eëbH$ Z\$m 51,016.78 0.05 %
EHy$U 11,82,11,016.78 100 %
* VnmgUr d coImn[ajU …
1. ~±Ho$Mr gZ 2016-2017 Am{U 2017-2018 AIoaMr VnmgUr [aPìh© ~±H$ Am°’$ B§{S>¶m H$S>rc VnmgUr A{YH$mar ¶m§Zr
Ho$cr Amho. VnmgUrMm Xmof nwV©Vm Ahdmc ~±Ho$Zo ‘wXVrV gmXa Ho$cm Amho. VnmgUr A{YH$mè¶m§Zr Ho$coë¶m ‘m¡{cH$ gyMZm d
‘mJ©Xe©ZmgmR>r g§MmcH$ ‘§S>i ˶m§Mo F$Ur AmhoV.
2. gZ 2018-2019 ¶m Am{W©H$ dfm©Mo d¡Ym{ZH$ coImn[ajU ‘o.S>r~rQ>r A°ÊS> Agmo{gEQ>g², MmQ>©S>© AH$m¢Q>§Q>g² nwUo ¶m§Zr nyU© Ho$co
AgyZ coImn[ajU dJ© 'A' àXmZ Ho$cocm Amho. ˶m~m~VMm XmIcm Am{W©H$ nÌH$mgmo~V OmoS>cocm Amho.
3. gZ 2018-2019 ¶m dfm©Mo ‘w»¶ H$m¶m©c¶mMr A§VJ©V VnmgUr ‘wWm JwJio A°ÊS> Agmo{gEQ>g², MmQ>©S>© AH$m¢Q>§Q>g² qMMdS> nwUo
¶m§Zr d emIm§Mr H$ÝH$aÝQ> / g‘mdVu {heo~ VnmgUr ~r.Or.Jm¶H$dmS> A°ÊS> H§$nZr, E.EM.OJVmn A°ÊS> Agmo{gEQ>g², ¶moJoe
VZnwao A°ÊS> Agmo{gEQ>g² Am{U Eg.Eg.T>oa§Jo A°ÊS> H§$nZr ¶m MmQ>©S>© AH$m¢Q>§Q>g² Zr nyU© Ho$cr Amho.
4. gZ 2018-2019 ¶m dfm©Mo {gpñQ>r‘ Am°S>rQ>, Agmo{gEQ>oS> Am¶.Q>r.H$ÝgcQ>§Q>g² àm.{c. H$moëhmnya ¶m§Zr nyU© H$éZ ˶mMm
Ahdmc gmXa Ho$cm Amho. ˶mZwgma H$m¶©dmhr Mmcy Amho.

* Zmam¶UJm§d emIoMo ñddmñVyV ñWcm§Va :

~±Ho$À¶m Zmam¶UJm§d emIoMo ñddmñVwVrc ñWcm§Va d H$m‘H$mO ew^ma§^ {X.02/12/2018 amoOr ""Y‘©amO ßcmPm'', nwUo
Zm{eH$ amoS>, Zmam¶UJm§d ¶m {R>H$mUr H$aʶmV Amco.

6 88 dm dm{f©H$ Ahdmb
2018-2019
* {Q>iH$ Mm¡H$ amOJwéZJa emIm - ñddmñVyMo ~m§YH$m‘ …
~±Ho$À¶m {Q>iH$ Mm¡H$ amOJwéZJa n{hë¶m emIoÀ¶m ñddmñVyMo ~m§YH$m‘mMm {X.08/02/2019 amoOr ^y{‘nyOZ g‘ma§^ g§nÞ Pmcm. gXa
emIoMo ~m§YH$m‘ àJVrnWmda Amho.
* XohÿamoS> emIoÀ¶m ñddmñVwMm ZwVZrH$aU g‘ma§^ …
~±Ho$À¶m XohÿamoS> emIoÀ¶m ñddmñVyVrc AÚ¶mdV ’${Z©Ma ZwVZrH$aUmMm g‘ma§^ {X.20/04/2019 amoOr g§nÞ Pmcm.
* AmYw{ZH$ V§ÌkmZ d J«mhH$ godm …
~°§Ho$Zo AmYw{ZH$ V§ÌkmZmMm pñdH$ma Ho$ë¶m‘wio ~±Ho$Mo ApñVËd {dH$mgmMo {XeoZo dmQ>Mmc H$arV Amho. g^mgX d ImVoXmam§Zr ZdrZ V§ÌkmZ
dmnaʶmgmR>r à~moYZmÛmao d ~±H$ A{YH$mar d godH$m§Mo ‘mܶ‘mVyZ Amncr ‘mZ{gH$Vm V¶ma H$éZ ì¶dhma H$amdoV Aer {dZ§Vr H$aVmo.
* {deof d¥Îm …
~±Ho$Mo Vk g§MmbH$ A°S>. lr. Y‘]Ð OZmX©Z Im§S>ao ¶m§Mr ‘hmamï´> ghH$mar g§ñWm amÁ¶ñVar¶ g„m g{‘Vr, ‘hmamï´> amÁ¶ ghH$mar n[afX
nwUo Mo gXñ¶nXr {ZdS> Pmë¶m~Ôb hm{X©H$ A{^Z§XZ!
* godH$ dJ© …
godH$ dJ© hm ~±Ho$Mm ZmoH$a Zmhr Va ì¶dgm¶mVrc H$m¶©H$mar ^mJrXma Amho ¶m OmUrdoZo godH$m§Zr H$m‘ Ho$ë¶m‘wioM ~±Ho$cm ˶m§MoH$Sy>Z
{H$VrVar A{YH$ à‘mUmV naVmdm {‘imcm Amho. gd© godH$m§Mr CËnmXH$Vm dmT>{dUogmR>r godH$m§Zm à{ejU XodyZ ˶m§Zm ñnY}‘oܶo {Q>Hy$Z
amhUogmR>rMr ‘mZ{gH$Vm ~±Ho$Zo ˶m§À¶mV éO{dcr Amho. godH$m§Mr JwUdÎmm dmT>ë¶m‘wioM Ahdmc dfm©V ~±Ho$Mr CËnmXH$Vm dmT>cr Amho.
Ahdmc df© AIoa ~±Ho$À¶m H$m¶‘ godoV 200 (n¡H$s 3 {Zc§{~V) d àmo~oeZar, {eH$mD$ coI{ZH$, {eH$mD$ {enmB©, H$ama VËdmda godoV
78 Ago EHy$U 278 godH$ AmhoV.
* {dZ‘« lÕm§Ocr …
Ahdmc gmcm‘ܶo ^maVmVrc Oo Wmoa ZoVo, g§emoYH$, emók, V§Ìk, coIH$, gm{hp˶H$, H$cmd§V, {ejUVk, gm‘m{OH$ H$m¶©H$V},
XoemMo OdmZ, VgoM ~±Ho$Mo ‘mOr Cnmܶj lr. {edmOr JUnV Im§JQ>o Am{U ~±Ho$Mo g^mgX, ImVoXma, godH$, {hVqMVH$, kmV-AkmV, 춺$s
{Xd§JV Pmë¶m. ˶m§Zm amOJwéZJa ghH$mar ~±H$ n[admamMr Z‘«Vmnyd©H$ lÜXm§Ocr, ˶m§À¶m ghH$m¶m©g ~±H$ ‘wH$cr Amho. B©ída ˶m§Mo AmËå¶mg
gX²JVr Xodmo, hrM B©ída MaUr àmW©Zm !
* Am^ma …
~±Ho$À¶m ¶eñdr dmQ>MmcrMo Am{U Am{W©H$ AmH$S>odmarVrc àJVrMo gd©ñdr lo¶ Amnë¶m J«mhH$m§Zm d gd© g^mgXm§Zm VgoM gd© godH$ dJ©
¶m§À¶m à¶ËZm§Zm d ¶moJXmZmcm VgoM g§MmcH$ ‘§S>imÀ¶m YmoaUmcm Amho. Vw‘Mm {dídmg, ào‘, AmnwcH$s, ghH$m¶© ¶mnwT>ohr {‘iV amhrc ¶mMr
ImÌr Amho. AmnUm gdmªMm ‘Z:nwd©H$ Am^mar Amho.
[aPìh© ~±H$ Am°’$ B§{S>¶mMo A{YH$mar, ghH$ma Im˶mMo ‘m.ghH$ma Am¶wº$ d {Z~§YH$, ‘m.{d^mJr¶ gh{Z~§YH$, ‘m.{Oëhm Cn{Z~§YH$,
‘m.ghmæ¶H$ {Z~§YH$ gmmo. VgoM ghH$ma Im˶mMo {d{dY A{YH$mar d godH$ dJ© ¶m gdmªMo doimodoir ghH$m¶© d ‘mJ©Xe©Z cm^co Amho. ¶m gdmªMm
‘Z:nyd©H$ Am^mar Amho.
’o$S>aoeZ, Agmo{gEeZ, {d{dY ~±H$m, g§ñWm, nVg§ñWm, ‘hmamï´> amÁ¶ H¥$fr CËnÞ ~mOma g{‘Vr ¶m§Mo nXm{YH$mar/ A{YH$mar, d¡Ym{ZH$
coImn[ajH$, A§VJ©V d H$ÝH$a§Q> {heo~ VnmgUrg, H$a g„mJma, H$m¶Xo g„mJma, ìh°ë¶wAg© ¶m§Zr doimodoir ~hþ‘moc ‘mJ©Xe©Z Ho$coco Amho. ˶m§Mo
F$U 춺$ H$aVmo.
gd© emIm {R>H$mUMo ñWm{ZH$ ñdamÁ¶ g§ñWm, å¶w{Z{gnc H$mnm}aoeZ nXm{YH$mar / A{YH$mar, ‘hmË‘m Jm§Yr {dÚmc¶, hþVmË‘m amOJwé
‘hm{dÚmc¶ VgoM emIm§Mo OmJm ‘mcH$, ~±Ho$À¶m CnH«$‘m§g cmoH$m§{^‘wI H$aUmar àgma‘mܶ‘o Am{U ˶m§Mo n«{V{ZYr ¶m§À¶mH$Sy>Z CÎm‘ ghH$m¶©
{‘imcoco Amho. ¶m gdmªMm A˶§V Am^mar Amho.
X¡Z§{XZ H$m‘H$mOmV Cnmܶj lr.gmJa H$miyam‘ nmQ>moio Am{U gd© ghH$mar g§MmcH$, ~±Ho$Mo à. ‘w»¶ H$m¶©H$mar A{YH$mar, ghmæ¶H$
gaì¶dñWmnH$, A{YH$mar, godH$ dJ© ¶m§Mo Hw$ec d VËna ghH$m¶© cm^co Amho. ¶m gdmªMo ‘Z:nwd©H$ Am^ma 춺$ H$aVmo.
eodQ>r ~±Ho$À¶m dmQ>MmcrÀ¶m godm H$m¶m©V H$iV ZH$iV ghH$m¶© {‘imcoë¶m kmV / AkmV ~§Yy d ^{JZtMo F$U 춺$ H$aVmo.
gXaMm Ahdmc pñdH¥$V H$amdm, hr {dZ§Vr.

amOJwéZJa (nwUo) Amnbm ñZohm§{H$V,

JUoe EH$ZmW {WJio
{XZm§H$ : 29/07/2019 AÜ`j

88 dm dm{f©H$ Ahdmb 7
2018-2019
 {XZm§H$ 31 _mM© 2019
31 _mM© 2018 ^§mS>db d XoUo 31 _mM© 2019
1. ^mJ ^m§S>db
40,00,00,000.00 A. A{YH¥$V ^mJ ^m§S>db 60,00,00,000.00
34,28,80,375.00 ~. dgwb ^mJ ^m§S>db 37,52,77,770.00
2. J§JmOir d BVa {ZYr
33,25,21,336.73 1. J§JmOir (amIrd {ZYr) 37,00,58,861.08
26,85,05,000.00 2. B_maV {ZYr 29,44,05,000.00
2,29,75,498.13 3. bm^m§e g_VmobZ {ZYr 2,64,05,498.13
28,38,31,561.80 4. g§e`rV d ~w¥S>rV H$O© {ZYr 35,76,67,267.40
1,59,15,660.50 5. Jw§VdUyH$ Kgmam {ZYr 65,58,738.50
16,87,710.37 6. Y_©Xm` {ZYr 16,87,710.37
26,50,745.00 7. bmoH$H$ë`mU {ZYr 27,94,995.00
7,75,660.00 8. godH$ H$ë`mU {ZYr 9,75,660.00
60,463.00 9. ghH$ma àgma {ZYr 60,463.00
2,55,00,000.00 10. H$m`©j_ H$Om©darb AmH$pñ_H$ {ZYr 3,05,00,000.00
5,00,00,000.00 11. Jw§VdUyH$ MT>-CVma {ZYr 6,50,00,000.00
1,30,00,000.00 12. Am`H$a H$m`Úm§VJ©V {deof {ZYr 1,45,00,000.00
14,53,098.00 13. ~±H$ {ZdS>UyH$ {ZYr 19,53,098.00
35,24,398.00 14. à{ejU {ZYr 47,46,711.00
80,00,000.00 15. V§ÌkmZ {dH$mg {ZYr 95,00,000.00
103,04,01,131.53 EHy$U {ZYr 118,68,14,002.48
3. R>odr
A. _wXV R>od
94,55,52,983.00 1. _wXV R>od 90,57,53,290.00
5,31,73,097.00 2. [aH$[a¨J R>od 5,80,25,524.00
507,61,94,653.00 3. J§JmoÌr R>od 400,25,43,946.25
5,01,49,006.00 4. J§JmgmJa R>od 5,51,56,153.25
1,03,15,857.00 5. {gŠ`w[aQ>r R>od 99,04,942.00
11,43,36,930.00 6. bjm{Ye [aH$[a¨J R>od 15,57,70,361.00
21,78,18,547.00 7. gd©lr AmdV© R>od 27,28,07,131.00
0.00 8. A°Q>mo [aݶydc J§JmoÌr R>od 132,68,47,774.00
0.00 9. A°Q>mo [aݶydc ‘wXV R>od 7,52,35,797.00
646,75,41,073.00 EHy$U _wXV R>odr 686,20,44,918.50
244,92,35,334.47 ~) ~MV R>od 242,58,29,996.03
59,97,64,391.72 H$) Mmby R>od 58,59,28,299.51
58,53,26,234.94 S>) _wXV~ma R>odr d H°$. H«o$. H«o$S>rQ> ~°bÝg 60,33,38,061.10
1010,18,67,034.13 EHy$U R>odr 1047,71,41,275.14
1147,51,48,540.66 ~oarO nwT>rb nmZmda Mmbw 1203,92,33,047.62

8 88 dm dm{f©H$ Ahdmb
2018-2019
AIoaMo Vmio~§X nÌH$
31 _mM© 2018 qOXJr d `oUo 31 _mM© 2019
1. amoI d ~±H$ {eëbH$
14,27,19,449.17 A. amoI {eëbH$ 13,20,23,299.19
20,61,25,602.97 ~. 1) ~±H$ {eëbH$-([aPìh© ~±H$ Am°’$ B§{S>¶m) 27,47,58,668.50
32,92,67,102.92 2) ~±H$ {eëbH$-(BVa ~±H$m) 37,82,52,747.84
146,79,66,191.10 H$. _wXV R>odr 142,02,50,000.00
214,60,78,346.16 EHy$U amoI d ~±H$ {eëbH$ 220,52,84,715.53

2. Jw§VdUyH$
1,52,000.00 A. ghH$mar g§ñWm§Mo ^mJ 1,52,000.00
301,55,39,625.00 ~. H|$Ð d amÁ` gaH$maMo amoIo 290,48,68,059.75
5,00,00,000.00 H$. BVa Jw§VdUwH$ 5,00,00,000.00
306,56,91,625.00 EHy$U Jw§VdUyH$ 295,50,20,059.75
3. H$O© (H$O©, H°$. H«o$, AmoìhaS>´mâQ>g² B.)
A. Aën _wXV
0.00 1. amoIo d VËg_ VmaU 0.00
141,96,88,324.20 2. AÝ` VmaU 140,98,42,483.32
93,754.70 3. d¡`{º$H$ Om_rZ 0.00
141,97,82,078.90 EHy$U Aën _wXV H$O© 140,98,42,483.32
12,86,42,713.26 n¡H$s WH$~mH$s 10,96,66,596.82

~. _Ü`_ _wXV H$O©

95,919.00 1. amoIo d VËg_ VmaU 1,10,246.00
173,06,40,345.70 2. AÝ` VmaU 180,54,78,550.86
29,49,16,959.73 3. d¡`{º$H$ Om_rZ 31,55,86,802.84
202,56,53,224.43 EHy$U _Ü`_ _wXV H$O© 212,11,75,599.70
22,12,68,085.91 n¡H$s WH$~mH$s 27,14,57,675.66
H$. XrK© _wXV H$O©
0.00 1. amoIo d VËg_ VmaU 0.00
267,15,18,357.82 2. AÝ` VmaU 318,80,63,791.07
3,18,76,285.65 3. d¡¶{º$H$ Om‘rZ 2,83,57,722.15
270,33,94,643.47 EHy$U XrK© _wXV H$O© 321,64,21,513.22
16,25,21,739.89 n¡H$s WH$~mH$s 17,28,03,114.71
614,88,29,946.80 EHy$U H$O© 674,74,39,596.24
51,24,32,539.06 EHy$U WH$~mH$s 55,39,27,387.19
1136,05,99,917.96 ~oarO nwT>rb nmZmda Mmbw 1190,77,44,371.52

88 dm dm{f©H$ Ahdmb 9
2018-2019
 {XZm§H$ 31 _mM© 2019
31 _mM© 2018 ^m§S>db d XoUo 31 _mM© 2019
1147,51,48,540.66 ~oarO _mJrb nmZmdéZ 1203,92,33,047.62
0.00 4. ~mhoarb H$O© 0.00
0.00 5. dgwbr {~bo Xþ~oaOr 0.00
84,12,140.50 6. emIm O_mIM© 0.00
7. WH$sV ì`mO, X§S>ì`mO, IM© [aPìh©
31,11,23,551.03 CËnÞj_ Zgcoë¶m H$Om©darb (Xþ~oaOr) 38,31,63,217.89
2,20,12,252.46 8. XoUo ì`mO 2,90,00,654.90
9. BVa XoUr
6,15,085.75 1. {S>pìhS>§S> 7,73,789.05
1,40,825.00 2. ^mJ AZm‘V 91,175.00
24,08,302.00 3. Am°S>rQ> \$s 12,30,217.00
2,97,96,618.67 4. BVa XoUr 4,13,16,767.89
5,02,78,144.00 5. Am`H$a XoUo 7,60,69,483.00

8,32,38,975.42 EHy$U BVa XoUr 11,94,81,431.94

10. Z\$m
57,13,284.11 A. _mJrb {eëbH$ Z\$m 80,19,675.74
10,79,86,279.43 ~. A{YH$ Mmbw dfm©Mm Z\$m 11,01,91,341.04
11,36,99,563.54 EHy$U Z\$m 11,82,11,016.78
g§^mì¶ XoUr
36,37,000.00 1) ~±H$ h‘r - 1,00,79,000.00
1,12,43,751.00 2) {X {S>nm°{PQ>a EÁ¶wHo$eZ A°ÊS> 1,44,05,204.00
AdoAaZog ’§$S>
1,48,80,751.00 EHyy$U 2,44,84,204.00
1201,36,35,023.61 EHy$U 1268,90,89,369.13

lr. JUoe EH$ZmW {WJio - AÜ`j lr. gmJa H$miyam‘ nmQ>moio - Cnmܶj
lr. {H$aU M§ÐH$m§V Amhoa - g§MmcH$ lr. {H$aU dg§Vamd ‘m§Oao - g§MmcH$
lr. g[Ve ~~Zamd ZmB©H$ao nmQ>rc - g§MmcH$ gm¡. {dO¶m am‘Xmg qeXo - g§MmcH$
lr. amhwc nmonQ>amd Vm§~o - g§MmcH$ gm¡. ho‘cVm goZmnVr Q>mH$iH$a - g§MmcH$
lr. Aê$U amKy {WJio - g§MmcH$ A°S>. lr. Y‘]Ð OZmX©Z Im§S>ao - Vk g§MmcH$

10 88 dm dm{f©H$ Ahdmb
2018-2019
 AIoaMo Vmio~§X nÌH$
31 _mM© 2018 qOXJr d `oUo 31 _mM© 2019
1136,05,99,917.96 ~oarO _mJrb nmZmdéZ 1190,77,44,371.52

4. `oUo ì`mO, X§S>ì`mO d IM© `oUo

31,11,23,551.03 1) n¡H$s CËnÞj_ Zgboë`m H$Om©darb (Xþ~oaOr) 38,31,63,217.89
6,42,12,762.63 2) n¡H$s Jw§VdUwH$sdarb 6,87,58,684.71
37,53,36,313.66 EHy$U `oUo ì`mO 45,19,21,902.60
0.00 5. dgwbr {~bo Xþ~oaOr 0.00
0.00 6. emIm O‘m IM© 2,03,836.50

7,22,18,810.00 7. B_maV (Kgmam dOm OmVm) 8,38,63,018.00

6,43,27,602.69 8. S>oS>ñQ>m°H$, \${Z©Ma, bm`~«ar (Kgmam dOm OmVm) 6,31,20,136.21

39,97,025.00 9. dmhZ (Kgmam dOm OmVm) 44,48,493.89

10. BVa _mb_ËVm

1,56,08,620.00 1. {S>nm°{PQ> (Q>o{c\$moZ, bmB©Q> B.) 5,56,09,120.00
74,43,419.00 2. N>nmB©, ñQ>oeZar d S>oS>ñQ>m°H$ ñQ>m°H$ 74,80,833.83
70,68,158.65 3. AmJmD ^aboë`m aŠH$_m 78,23,442.16
4,70,29,171.67 4. BVa `oUr 3,68,55,432.87
6,00,00,000.00 5. AmJmD ^abobm Am`H$a 7,00,00,000.00
5,984.98 6. S>o’$ (DEAF) ¶oUo 18,781.55

13,71,55,354.30 EHy$U BVa _mb_ËVm 17,77,87,610.41

1201,36,35,023.61 EHy$U 1268,90,89,369.13

lr. àVmn ‘hmXod Amhoa - g§MmcH$ A°S>. lr. ‘wHw§$X ‘méVr AmdQ>o - g§MmcH$
lr. amO|Ð ‘méVr gm§S>^moa - g§MmcH$ A°S>. lr. XÎmm̶ H$m{eZmW Jmoao - g§MmcH$
lr. amO|Ð XeaW dmiw§O - g§MmcH$ lr. YZ§O¶ ‘YwH$a H$hmUo - g§MmcH$
lr. {XZoe a‘oe Amogdmc - g§MmcH$ lr. naoe M§ÐH$m§V Im§JQ>o - g§MmcH$
lr. grE. {H$gZ Ym|{S>~m JmaJmoQ>o - Vk g§MmcH$ lr. em§Vmam‘ ~m~wamd dmH²$Mm¡ao - à. ‘w»¶ H$m¶©H$mar
A{YH$mar
boImn[ajUmVrb eoè¶mg nmÌ amhÿZ ~amo~a Amho.
S>r.~r.Q>r. A°ÊS> Agmo{gEQ²>g
MmQ>©S>© AH$m¢Q>§Q>g², nwUo
d¡Ym{ZH$ boImn[ajH$

88 dm dm{f©H$ Ahdmb 11
2018-2019
 {XZm§H$ 31/03/2019
31 _mM© 2018 IM© 31 _mM© 2019
66,60,02,614.07 1) R>odr d H$Om©da {Xbobo ì`mO 65,43,64,521.83
9,70,22,726.00 2) godH$ nJma ^Îmo d àm°pìhS>§S> \§$S> B. 11,07,53,069.00
5,61,264.00 3) g§MmbH$ _§S>i ^Îmo 5,55,926.00
2,46,38,384.00 4) ^mS>o, H$a, drO, {d_m 2,46,47,060.50
48,250.00 5) H$m`Xog„m d H$moQ>© H$madmB© 1,48,895.00
12,88,427.22 6) Q>nmb, Vma d XþaÜdZr 8,03,175.74
29,36,554.00 7) {heo~ VnmgUr \$s 17,78,320.00
1,95,60,419.94 8) _mb_Îmm XþéñVr d PrO 2,17,66,897.87
49,85,084.85 9) N>nmB©, ñQ>oeZar, Om{hamV d à{gÜXr 50,88,191.31
0.00 10) gaH$mar amoIo A‘moQ>m©¶PoeZ(EMQ>rE‘)> 33,14,461.00
4,66,91,739.03 11) BVa IM© 5,49,49,957.17
61,63,996.08 1) Am°\$sg IM© 52,79,927.41
1,03,177.00 2) àdmg IM© 94,750.00
3,60,978.00 3) dm{f©H$ gd©gmYmaU g^m IM© 3,08,849.00
43,56,890.00 4) J§JmgmJa R>od H$boŠeZ H${_eZ 46,58,711.75
1,26,300.00 5) dJ©Ur 1,16,000.00
15,92,711.40 6) EZnrE H$Om©darb dgyc Z Pmcocm IM© 32,65,098.46
6,04,164.50 7) dmhZ IM© 7,11,874.45
5,00,481.00 8) ~±H$ H$m`©H«$_ IM© 11,16,996.92
1,33,71,277.79 9) gpìh©g MmO}g 1,10,66,462.74
43,82,622.00 10) gwajm IM© 45,86,870.51
46,00,630.94 11) brO bmB©Z, S>r.Ama.gmB©Q> d Eg.E_.Eg.IM© 35,17,825.26
76,79,423.44 12) Am¶H$a-H$‘r VaVyX 1,16,56,729.89
0.00 13) ‘mo~mB©c ~±qH$J gpìh©g MmO}g 11,10,740.21
50,000.00 14) BVa IM© 79,200.00
27,99,086.88 15) Or.Eg.Q>r IM© 43,65,208.27
0.00 16) E.Q>r.E‘ MmO}g (EZ.E’$.Eg) 16,79,491.30
0.00 17) Bbo³Q´>m°{ZH$ gwajm ì¶dñWm ^mS>o IM© 13,35,221.00
13,64,88,752.00 12) VaVwXr 19,07,00,000.00
3,70,00,000.00 1) g§e`rV d ~wS>rV {ZYr 7,40,00,000.00
20,00,000.00 2) H$m`©j_ H$O© AmH$pñ_H$ {ZYr 50,00,000.00
61,00,000.00 3) ñQ>m\$ BZg|{Q>ìh 92,00,000.00
0.00 4) àb§{~V godH$ doVZ H$ama Xo¶ a¸$‘oMr VaVwX 1,90,00,000.00
15,00,000.00 5) Am`H$a H$m`Xm A§VJ©V {deof {ZYr 15,00,000.00
5,00,00,000.00 6) Am¶H$a 7,60,00,000.00
3,55,00,000.00 7) gaH$mar amoIo Kgmam VaVyX 60,00,000.00
43,88,752.00 8) gaH$mar amoIo A‘moQ>m©¶PoeZ(EMQ>rE‘)> 0.00
10,79,86,279.43 13) Z\$m 11,01,91,341.04
110,82,10,494.54 EHy$U 117,90,61,816.46

12 88 dm dm{f©H$ Ahdmb
2018-2019
 AIoaMo Z’$mVmoQ>m nÌH$
31 _mM© 2018 CËnÞ 31 _mM© 2019
106,88,93,311.06 1) H$O© d Jw§VdUyH$sda {_imbobo ì`mO 114,07,32,376.53
2,11,53,570.24 2) gaH$mar amoIo ì`dhmamVyZ {_imbobo CËnÞ 1,38,50,118.48
52,62,000.72 3) H${_eZ 60,14,920.09
40,81,248.25 1) S>r.S>r., Amo.~r.gr., Am`.~r.gr. H${_eZ 56,15,048.84
5,40,898.84 2) ZoâQ> H${‘eZ 1,64,153.25
5,51,170.63 3) AmaQ>rOrEg H${‘eZ 1,49,646.00
88,683.00 4) àYmZ‘§Ìr OrdZ Á¶moVr ¶moOZm (EcAm¶gr) H${‘eZ 85,947.00
0.00 5) àYmZ‘§Ìr OrdZ gwajm ¶moOZm (¶wZm¶Q>oS> B§S>r¶m) H${‘eZ 125.00
1,29,01,612.52 4) BVa CËnÞ 1,84,64,401.36
15,200.00 1) {S>ìhrS>§S> 200.00
14,17,186.13 2) \$m°_© ’$s 15,51,035.18
13,18,409.00 3) bm°H$a ^mS>o 13,26,479.00
77,72,435.07 4) àmogog d BVa MmO}g 87,74,796.54
1,48,712.40 5) BVa CËnÞ 2,11,886.69
70,232.00 6) gr~rc MmO}g 1,03,600.75
10,26,749.00 7) ‘mc‘Îmm {dH«$sVyZ {‘imcocm Z’$m 6,83,130.00
0.00 8) EQ>rE‘ H$mS>© dm{f©H$ MmO}g 42,17,811.81
8,83,331.00 9) nm°P MmO}g 12,77,681.89
93,611.13 10) ‘mo~mB©c ~±qH$J gpìh©g MmO}g 0.00
1,55,746.79 11) EQ>rE‘ MmO}g (EZ E’$ Eg) 0.00
0.00 12) gagmB© (CERSAI) MmO}g 3,17,779.50

110,82,10,494.54 EHy$U 117,90,61,816.46

lr. JUoe EH$ZmW {WJio - AÜ`j lr. gmJa H$miyam‘ nmQ>moio - Cnmܶj lr. àVmn ‘hmXod Amhoa - g§MmcH$
A°S>. lr. ‘wHw§$X ‘méVr AmdQ>o - g§MmcH$ lr. {H$aU M§ÐH$m§V Amhoa - g§MmcH$ lr. {H$aU dg§Vamd ‘m§Oao - g§MmcH$
lr. amO|Ð ‘méVr gm§S>^moa - g§MmcH$ A°S>. lr. XÎmm̶ H$m{eZmW Jmoao - g§MmcH$ lr. g[Ve ~~Zamd ZmB©H$ao nmQ>rc - g§MmcH$
gm¡. {dO¶m am‘Xmg qeXo - g§MmcH$ lr. amO|Ð XeaW dmiw§O - g§MmcH$ lr. YZ§O¶ ‘YwH$a H$hmUo - g§MmcH$
lr. amhwc nmonQ>amd Vm§~o - g§MmcH$ gm¡. ho‘cVm goZmnVr Q>mH$iH$a - g§MmcH$ lr. {XZoe a‘oe Amogdmc - g§MmcH$
lr. naoe M§ÐH$m§V Im§JQ>o - g§MmcH$ lr. Aê$U amKy {WJio - g§MmcH$ A°S>. lr. Y‘]Ð OZmX©Z Im§S>ao - Vk g§MmcH$
lr. grE. {H$gZ Ym|{S>~m JmaJmoQ>o - Vk g§MmcH$ lr. em§Vmam‘ ~m~wamd dmH²$Mm¡ao - à. ‘w»¶ H$m¶©H$mar A{YH$mar

boImn[ajUmVrb eoè¶mg nmÌ amhÿZ ~amo~a Amho.

S>r.~r.Q>r. A°ÊS> Agmo{gEQ²>g
MmQ>©S>© AH$m¢Q>§Q>g², nwUo
d¡Ym{ZH$ boImn[ajH$

88 dm dm{f©H$ Ahdmb 13
2018-2019
 STATUTORY-AUDITOR’S REPORT
To the Members of
RAJGURUNAGAR SAHAKARI BANK LIMITED.

1. We have audited the accompanying Financial Statements of Rajgurunagar Sahakari

Bank Ltd, Rajgurunagar, Khed, Pune which comprise the Balance Sheet as at 31st
March 2019, Profit and Loss Account and the Cash flow statement and a summary of
significant accounting policies and other explanatory information incorporated of 17
Branches and of Head Office for the year then ended, and other explanatory information.
Management's Responsibility for the Financial Statements:
2. Management of the Bank is responsible for the preparation of these Financial Statements
that give true and fair view of the financial position and financial performance of the Bank
in accordance with the Banking Regulation Act, complying with Reserve Bank of India
Guidelines from time to time. This responsibility includes the design, implementation and
maintenance of internal control relevant to the preparation and fair presentation of the
financial statements that are free from material misstatement, whether due to fraud or
error.
Auditors' Responsibility:
3. Our responsibility is to express an opinion on these financial statements based on our
audit. We conducted our audit in accordance with the Standards on Auditing issued by
the Institute of Chartered Accountants of India. Those Standards require that we comply
with ethical requirements and plan and perform the audit to obtain reasonable assurance
about whether the financial statements are free from material misstatement.
4. An audit involves performing procedures to obtain audit evidence about the amounts and
disclosures in the financial statements. The Procedures selected depend on the auditors'
judgement, including the assessment of the risks of material misstatement of the
financial statement, whether due to fraud or error. In making those risk assessments, the
auditor considers internal control relevant to the entity's preparation and fair presentation
of the financial statements in order to design audit procedures that are appropriate in the
circumstances. An audit also includes evaluating the appropriateness of accounting
policies used and the reasonableness of the accounting estimates made by
management, as well as evaluating the overall presentation of the financial statements.
5. We believe that the audit evidence we have obtained is sufficient and appropriate to
provide a basis for our Audit opinion.
Opinion
6. In our opinion, and to the best of our information and according to the explanation given to
us, read with the Memorandum of Changes mentioned in paragraph 11 below and as
reported by us in part “A” “B” & “C” of our report, the financial statements give a true and
fair view in conformity with the accounting principles generally accepted in India:
(a) in the case of the Balance Sheet, of the state of affairs of the Bank as at March 31,
2019; and
(b) in the case of Profit and Loss Account, of the Profit / Loss for the year ended on
that date;
(c) In the case of the cash flow statement, of the cash flows for the year ended on
that date.

14 88 dm dm{f©H$ Ahdmb
2018-2019
Emphasis of Matter
We draw attention to point Internal Audit, of Notes to Accounts which emphasizes
the continuing need to strengthen internal control system and concurrent audit
mechanisms. Our opinion is not qualified.

Report on Other Legal and Regulatory Requirements

7. The Balance Sheet and the Profit and Loss Account have been drawn up in accordance
with Section 29 of the Banking Regulation Act, 1949;

8. Subject to the limitations of the audit as indicated in Paragraphs 3 to 5 above and

paragraph 10 below, we report that:

a. We have obtained all the information and explanations which to the best of our
knowledge and belief were necessary for the purpose of the audit and have found
them to be satisfactory.
b. The transactions of the Bank which have come to our notice have been within the
powers of the Bank.

9. We further report that:

a. The Balance Sheet, the Profit and Loss account and the cash flow statement dealt
with by this report are in agreement with the books of account and returns,
b. In our opinion, proper books of account as required by law have been kept by the
Bank so far as appears from our examination of those books;
Other Matters:
10. No adjustments/provisions have been made in the accounts of the Bank in respect of
matters usually dealt with at Central Office, including in respect of:
(a) Old unreconciled/unlinked entries at debit under various heads comprising Inter
Bank/office Adjustments;
(b) Taxation (Current Tax and Deferred Tax)
(c) To the non- compliance with the following accounting standard of the bank.

a) AS-3 regarding preparation of cash flow statement which has not been
prepared by the bank at regular interval.

b) AS-22 on Accounting of taxes on income of which no compliance is made.

For the year under audit the Bank is Awarded Classification (A) for the Financial Year 2018-
2019.

For DBT & ASSOCIATES

Chartered Accountants
CA Dashrath S. Bacche
Partner
Place: Pune M.No. 130927
Date: 27/05/2019 FRN No. 133404W

88 dm dm{f©H$ Ahdmb 15
2018-2019
 gZ 2019-2020 Mo CËnÞ d IM© A§XmOnÌH$
CËnÞ ~mOy (’$³V ‘m{hVrgmR>r)
gZ 2018-19 Mm gZ 2018-19 Mo gZ 2019-20 Mm
A.H«$. CËnÞ ~m~
A§XmO à˶j CËnÞ A§XmO
1 H$O© d Jw§VdUyH$ ì¶mO 1170000000.00 1140732376.53 1210000000.00
2 gaH$mar amoIo IaoXr / {dH«$s -10000000.00 13850118.48 25000000.00
3 H${‘eZ 5000000.00 6014920.09 6000000.00
4 BVa CËnÞ 12500000.00 18464401.36 20000000.00
EHy$U 1177500000.00 1179061816.46 1261000000.00
IM© ~mOy
A.H«$. gZ 2018-19 Mm gZ 2018-19 Mo gZ 2019-20 Mm
IM© ~m~ A§XmO à˶j IM© A§XmO
1 R>od d ~mhoarc H$O© ì¶mO 720000000.00 654364521.83 715000000.00
2 godH$ nJma d ^Îmo àm°. ’§$S> B. 100000000.00 110753069.00 120000000.00
3 g§MmcH$ ‘§S>i ^Îmo 600000.00 555926.00 600000.00
4 ^mS>o H$a drO {d‘m 25000000.00 24647060.50 25000000.00
5 H$m¶Xog„m d H$moQ>© H$madmB© 500000.00 148895.00 500000.00
6 Q>nmc Vma XÿaÜdZr 1500000.00 803175.74 1500000.00
7 {heo~ VnmgUr ’$s 3500000.00 1778320.00 3500000.00
8 ‘mc‘Îmm Xþê$ñVr d PrO 20000000.00 21766897.87 22500000.00
9 N>nmB© ñQ>oeZar, Om{hamV 5000000.00 5088191.31 5500000.00
10 gaH$mar amoIo A‘moQ>m©¶PoeZ(EMQ>rE‘) 0.00 3314461.00 3500000.00
11 BVa IM©
1. Am°{’$g IM© 6000000.00 5279927.41 6000000.00
2. àdmg IM© 500000.00 94750.00 500000.00
3. dm{f©H$ gd©gmYmaU g^m 500000.00 308849.00 700000.00
4. J§JmgmJa R>od H${‘eZ 4500000.00 4658711.75 4500000.00
5. dJ©Ur 200000.00 116000.00 200000.00
6. EZnrE H$Omd©arc dgc y Z Pmcc
o m IM© 1200000.00 3265098.46 3000000.00
7. dmhZ IM© 1000000.00 711874.45 1000000.00
8. ~±H$ H$m¶©H«$‘ IM© 1000000.00 1116996.92 1000000.00
9. gpìh©g MmO}g 14000000.00 11066462.74 12000000.00
10. gwajm ajH$ IM© 4500000.00 4586870.51 5000000.00
11. crOcmB©Z, S>r Ama gmB©Q> d Eg.E‘.Eg IM© 5000000.00 3517825.26 4000000.00
12. EQ>rE‘ MmO}g (EZ.E’$.Eg) 0.00 1679491.30 2000000.00
13. Am¶H$a H$‘r VaVwX 0.00 11656729.89 2500000.00
14. ‘mo~mB©c ~±qH$J gpìh©g MmO}g 0.00 1110740.21 1500000.00
15. BVa IM© 500000.00 79200.00 500000.00
16. Or.Eg.Q>r IM© 3000000.00 4365208.27 5000000.00
17. Bbo³Q´>m°{ZH$ gwajm ì¶dñWm ^mS>o IM© 0.00 1335221.00 1500000.00
EHy$U IM© 918000000.00 878170475.42 948500000.00
VaVwXr 137000000.00 190700000.00 190000000.00
Z’$m 122500000.00 110191341.04 122500000.00
EHy$U 1177500000.00 1179061816.46 1261000000.00

16 88 dm dm{f©H$ Ahdmb
2018-2019
 SIGNIFICANT ACCOUNTING POLICIES AND NOTES ON
FINANCIAL STATEMENTS

A. SIGNIFICANT ACCOUNTING POLICIES

1) General:
a) The financial statements are prepared on the historical cost basis and on the assumption of going
concern concept and conform to the Statutory provision and practices prevailing in the Banking
Industry except otherwise stated.
b) Revenue & Expenses have generally been accounted for on accrual basis except in the following
cases
i) Interest on NPAs
ii) Referral Charges
iii) Dividend

2) REVENUE RECOGNITION:
Income/expenditure is accounted on accrual basis except in respect of the following items;the same is
accounted on cash basis.
a) Interest on Non-Performing Asset(As per the directives of Reserve Bank of India)
b) Dividend on Investment in Shares.
c) Referral Charges

3) INVESTMENTS:
The bank has recognized its investments in SLR securities into two categories viz, "Held to Maturity" &
“Available for Sale” in accordance with the RBI guidelines.
All investments are valued in accordance with the existing RBI guidelines. Investments held under “Held
to Maturity” category have been valued at acquisition cost. Premium on such investment is amortized
over the residual life of the particular investment.

4) FIXED ASSETS AND DEPRECIATION:

a) Fixed assets are stated at their Written down Value.
b) Depreciation is provided on Fixed Assets on Straight Line Method (SLM). The depreciation on the
Computer is charged on Straight Line Method (SLM). Depreciation is provided at the following rates
on various assets as prescribed by Head Office.
Sr. No. Depreciation of Assets Rate of Depreciation
1 Buildings 2.5%
2 Furniture & Fixture, Dead Stock 5 to 20%
3 Vehicles 20%
4 Computers Hardware & Software 33.33%
c) Depreciation on fixed asset is charged on yearly basis. If asset is purchased and installed the
depreciation is calculated from the month of purchase or installation to year end date. If the asset is
put to use more than 180 days, the depreciation is required to be charged at full rate,otherwise it will
be 50 % of normal rate of depreciation.

5) ADVANCES AND PROVISIONS:

All advances are classified in accordance with RBI guidelines/directives/prudential norms. The
provisions are made at the levels prescribed by RBI or at suitably higher level keeping in view principles
of conservatism.

88 dm dm{f©H$ Ahdmb 17
2018-2019
 6) EMPLOYEE BENEFITS:
Contribution to provident Fund and Family Pension Scheme is made to EPF Scheme of Government of
India and accounted for on actual payment basis.
The bank has opted for contributing the employee retirement benefits as per defined contribution
scheme. Accordingly, Bank has made arrangements with LIC of India for managing Gratuity Fund.
Contributions are made every year based on the actuarial calculations done by LIC of India.

7) TAXATION :
Income Tax expenses for the year comprises of current and deferred taxes. Provision for current Income
tax as per the provision of Income Tax Act,1961 as applicable for the A.Y 2019-2020 is made in the books
of account. The deferred tax Asset recognized only to the extent that there is reasonable certainty that
sufficient future income will be available against which such deferred tax asset can be realized.

B. NOTES ON FINANCIAL STATEMENTS

1. CASH FLOW STATEMENTS (AS-3);
- The bank has prepared and disclosed the cash flow statement following the direct method,
whereby major cases of gross cash receipts and gross cash payments are disclosed.
2. NET PROFIT OR LOSS FOR THE PERIOD, PRIOR PERIOD ITEMS AND CHANGES IN
ACCOUNTING POLICIES:
- There are no material items included in Profit And Loss Account except otherwise stated. There
were no changes in accounting policies.
3. EMPLOYEE BENEFITS(AS-15):
- The bank has opted for contributing the employee retirement benefits as per defined
contribution scheme. Accordingly, Bank has made agreements with LIC of India for managing
Gratuity Fund and Staff leave Encashment fund and contributions are made every year based on
the actuarial calculations done by LIC of India.
4. SEGMENT REPORTING(AS-17):
- As per the Accounting Standard 17, the Bank is operating in only one Business reportable
segment i.e. Retail Banking & Investments and also the Bank is having operational area in the
State of Maharashtra. Hence, separate segment wise bifurcation is not required.
5. RELATED PARTY DISCLOSURE (AS-18):
- The bank don't have any party under the category 'Key Managerial Personnel' therefore, no
further details need to be disclosed under AS-18 read with RBI circular dated 29 th March,2003.

6. DEFERRED TAX ASSET (AS-22):

- Bank has not provided for Deferred Tax as per AS 22.

7. IMPAIRMENT OF ASSETS (AS-28):

- In the opinion of the management, there is no impairment of assets of the Bank.

8. PROVISIONS, CONTINGENT LIABILITIES & CONTINGENT ASSETS (AS-29):

- The bank has made provisions for special Reserve, BDDR, Standard Asset Provision,
Depreciation on Investment, other necessary provisions except otherwise stated.

9. The statement of significant Accounting Policies and Notes on Financial Statements Form
an integral part of the accounts.

10. Previous year's figures have been re-grouped /reclassified wherever necessary to conform
to current year's classifications.

For DBT & ASSOCIATES

Chartered Accountants
CA Dashrath S. Bacche
Partner
Place: Pune M.No. 130927
Date: 27/05/2019 FRN No. 133404W

18 88 dm dm{f©H$ Ahdmb
2018-2019
 RAJGURUNAGAR SAHAKARI BANK LTD.
NAME OF THE BANK
HEAD OFFICE ADDRESS
DATE OF REGISTRATION
DATE & NUMBER OF RBI LICENCE
AREA OF OPERATION
ITEM
No. of Branches including H.O.
ANNEXURE - A
: RAJGURUNAGAR SAHAKARI BANK LTD.
: S. NO. 319/320, PUNE NASHIK HIGHWAY, RAJGURUNAGAR,
TAL : KHED, DIST : PUNE 410505.
: 19TH JUNE 1931 (REG.NO. 7016)
: D.B.O.D.U.B.D./MH327P. DATED 22/12/1982
: WHOLE MAHARASHTRA STATE
(` In Lakhs)
AS ON 31ST MARCH 2019
- - - 18

Membership
Regular 32429
Nominal 5443

Paid up share capital 3752.78

Total Reserve & funds 11868.14

Deposits Saving 24258.30

Current 5859.28
Fixed 68620.45
Others 6033.38
Total 104771.41

Advances Secured 64034.95

Unsecured 3439.45
Total 67474.40

Borrowings D.C.C. Bank Nil

M.S.C. Bank Nil
Others Nil
Total Nil

Investments D.C.C. Bank 3700.00

M.S.C. Bank 2.50
Others 40050.20
Total 43752.70

Overdues Percentage 8.21%

Audit Classification "A"

Net Profit 1101.91

Staff Sub Staff 78

Other Staff 200
Total 278

Working Capital 123059.26

88 dm dm{f©H$ Ahdmb 19
2018-2019
 Disclosure : Notes on Accounts
(` In Lakhs)
Sr. No. AMOUNT AMOUNT AMOUNT
PARTICULARS
31-Mar-17 31-Mar-18 31-Mar-19
1 Capital to Risk Asset Ratio 17.53% 18.35% 19.32%
2 Movement of CRAR (+) 0.58 (+)0.82 (+)0.97
3 Investments : (includes Govt. and other trust securities)
a) Face Value 26973.30 29969.80 28882.60
b) Book Value 27405.02 30155.40 29048.68
c) Market Value 27960.39 29877.74 29292.13
4 Advances against Real Estate, Construction, Housing 3704.22 4445.91 5056.74
5 Advances against shares and debentures NIL NIL NIL
6 Advances to directors, their relatives, companies / firms
in which they are interested

a) Fund Based 17.53 16.84 30.78

b) Non fund based (Guarantees, L/C etc.) 0.00 0.00 0.00
7 Average Cost of Deposits 7.41% 6.78% 6.44%
8 NPA
a) Gross NPA 6904.80 7011.91 6333.44
b) Net NPA 4434.13 4255.01 2838.19
9 Movement of NPA
a) Gross NPA 3444.82 107.11 -678.47
b) Net NPA 2945.15 -179.12 -1416.82
10 Profitability
a) Interest income as a percentage of working funds 9.10% 9.13% 9.27%
b) Non interest income as a percentage of working funds 0.99% 0.34% 0.31%
c) Operating profit as a percentage of working funds 2.19% 2.09% 2.45%
d) Return on earning assets 1.11% 1.04% 1.01%
e) Business (Deposits + Advances) per employee 653.70 613.23 619.59
f) Profit per employee 4.58 4.07 3.96
11 Provision made towards
a) NPA 2470.67 2756.90 3495.25
b) Depreciation on investment 184.10 159.16 65.58
12 Movement in provisions
a) Towards NPA (BDDR) 500.00 370.00 740.00
b) Towards Depreciation on Investment 0.00 355.00 60.00
c) Towards Standard Assets 10.00 20.00 50.00
13 Foreign Currency Assets and Liabilities NIL NIL NIL
14 DICGC Premium paid up to Sep-17 Sep-18 Sep-19
15 Penalty imposed by RBI -- -- --

16 Restructured Accounts -- -- --
17 Fixed Assets - Valuation/Revaluation -- -- --

20 88 dm dm{f©H$ Ahdmb
2018-2019
DISCLOSURE as per RBI master Circular on investment by UCB paragraph 12.1.6
(Annex III)
i) Issuer Composition of Non-SLR Investemt (` In Lakhs)
Extent of below Extent of Extent of
Sr. No. Issuer Amount Securities grade ungrade unlisted
investment securities securities
1 PSUs 500.00 0 0 0

2 Fls 0 0 0 0

3 Public Sectors Banks 0 0 0 0

4 Mutual funds (mmm) 0 0 0 0

5 Others 1.52 0 1.52 1.52

6 provision held towards depreciation 0 0 0 0

Total 501.52 0 1.52 1.52

ii) Non performing Non-SLR Investment

Particulars Amount ` In Lakhs
Opening Balance 0
Addition during the year Since 1st April 0
Reduction during the above period 0
Closing Balance 0
Total provision held 0

SEGMENT REPORTING - AS 17
PRIMARY SEGMENT REPORTING (BY BUSINESS SEGMENTS) AS AT 31ST MARCH, 2019
(` In Lakhs)

TREASURY OTHER BANKING

PARTICULARS TOTAL
OPERATIONS OPERATIONS
SEGMENT REVENUE 3724.83 8065.79 11790.62
SEGMENT COST 3032.98 6738.73 9771.71
RESULT 691.85 1327.06 2018.91
LESS : UNALLOCATED EXPENSES / PROVISIONS 157.00
NET PROFIT BEFORE TAX 1861.91
LESS : PROVISION FOR INCOME TAX 760.00
NET PROFIT AFTER TAX 1101.91

OTHER INFORMATION
SEGMENT ASSETS 43752.70 67474.40 111227.10
UNALLOCATED ASSETS 11832.16
TOTAL ASSETS 123059.26

SEGMENT LIABILITIES 715.59 3800.25 4515.84

UNALLOCATED LIABILITIES 118543.42
TOTAL LIABILITIES 123059.26

The Depositor Education & Awareness Fund Scheme, 2014- Section 26A of Banking Regulation Act 1949
(` In Crore)
Current Year Previous Year
Particulars
2018-2019 2017-2018

Opening Balance of Amounts transferred to DEAF 1.18 1.02

Add: Amounts transferred to DEAF during the year 0.30 0.22
Less: Amounts reimbursed by DEAF towards claims 0.04 0.06
Closing balance of amounts transferred to DEAF 1.44 1.18

88 dm dm{f©H$ Ahdmb 21
2018-2019
 CASH FLOW STATEMENT
2017-18 2018-19
PARTICULARS
` In Lakhs ` In Lakhs ` In Lakhs ` In Lakhs ` In Lakhs ` In Lakhs
CASH FLOW FROM OPERATING ACTIVITIES
Net Profit as per Profit & Loss A/c 1079.86 1101.91
Addition:
Depreciation 188.85 211.86
Premium Amortization 43.89 33.14
Depreciation on Investment 355.00 60.00
Provision for Bad & Doubtful Debts Reserve 370.00 740.00
Provision for Standard Assets 20.00 50.00
Provision for Income Tax 500.00 760.00
Provision for Salary Arrears 0.00 190.00
Provision for Staff Incentive 61.00 92.00
Special Reserve under Income Tax 15.00 15.00
Provision for Education Fund 0.00 1553.73 0.00 2152.00

Less:
Profit on Sale of Securities 211.54 138.50
Profit/Loss on Sale of Banking & non banking assets 10.27 -221.80 6.83 -145.33

CASH FLOW FROM OPERATING ACTIVITIES

BEFORE CHANGE IN WORKING CAPITAL 2411.79 3108.58
Increase in Deposit 4863.57 3752.74
Decrease in Other Liabilities & Provision -747.33 -624.69
Increase/ Decrease in Branch Adjustment 22.50 -82.08
Net increase in Reserve -274.04 -37.42
Increase in Loans & Advances -4677.42 -5986.10
Increase in Investment -1582.73 1212.07
Increase in Other Assets 252.53 -2142.92 -451.78 -2217.26

NET CASH FLOW FROM OPERATING ACTIVITIES 268.87 891.32

CASH FLOW FROM INVESTING ACTIVITIES -232.63 -320.74

Purchases of Fixed Assets 258.39 320.74
Sale of Fixed Assets 25.76 0.00

CASH FLOW FROM FINANCING ACTIVITIES 76.61 21.47

Increase in Share Capital 360.59 323.97
Dividend Paid -283.98 -302.50

NET INCREASE/(DECREASE) IN CASH AND

CASH EQUIVALENT 112.85 592.06

CASH AND CASH EQUIVALENT

AT THE BEGINNING OF THE YEAR 21347.93 21460.78
Cash in Hand 1673.51 1427.19
Cash at Bank 5900.28 5353.93
FD's with Bank 13774.14 14679.66

CASH AND CASH EQUIVALENT

AT THE END OF THE YEAR 21460.78 22052.84
Cash in Hand 1427.19 1320.23
Cash at Bank 5353.93 6530.11
FD's with Bank 14679.66 14202.50

22 88 dm dm{f©H$ Ahdmb
2018-2019
 Ñï>rjonm§V (AmH$S>o : cmIm§V A.H«$. 1 ì¶{V[aº$)
A.H«$. Vn{ec 2014-2015 2015-2016 2016-2017 2017-2018 2018-2019
1 g^mgX g§»¶m 27085 28620 29853 31339 32429
2 dgyc ^mJ ^m§S>dc 2339.25 2701.92 3068.22 3428.80 3752.78
3 J§JmOir 2166.08 2551.27 2955.37 3325.21 3700.59
4 BVa {ZYr 5101.60 5636.44 6148.10 6978.80 8167.55
5 Jw§VdUyH$ 33879.12 35812.91 41680.69 45336.58 43752.70
6 R>odr 77373.30 84688.29 96155.10 101018.67 104771.41
7 H$O} 46840.72 52366.88 56810.88 61488.30 67474.40
8 H$O} WH$~mH$s 2549.32 2595.14 4177.19 5124.33 5539.27
9 WH$~mH$s à‘mU 5.44% 4.96% 7.35% 8.32% 8.21%
10 ~mhoarc H$O} - - - - -
11 IoiVo ^m§S>dc 89418.19 97808.92 110682.91 117025.11 123059.26
12 {Zìdi Z’$m 1051.46 1063.48 1070.58 1079.86 1101.91
13 cm^m§e Xa 15% 15% 10% 9.50% 12% {e’$mag
14 Am°S>rQ> dJ© "A' "A' "A' "A' "A'

Ñï>rjonm§V emIm (AmH$S>o ` cmImV)

A.H«$. emIoMo Zm§d R>odr H$O} Z’$m-VmoQ>m
31/03/18 31/03/19 31/03/18 31/03/19 31/03/18 31/03/19
1 {Q>iH$ Mm¡H$ 15467.46 16148.35 4978.28 5024.74 145.56 241.08
2 ~mOmanoR (hm¶do)> 16659.73 17145.95 8931.49 9869.27 458.93 513.53
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5 Zmam¶UJm§d 9471.87 9026.19 3792.09 3286.63 117.90 83.29
6 ^mogar 8707.87 9390.66 4420.86 5298.52 269.22 269.03
7 XohÿamoS> 4713.94 4684.38 3070.81 2869.62 158.14 147.07
8 ~wYdma noR>, nwUo 2473.48 2429.34 2882.41 2707.04 -25.30 18.19
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10 {eê$a 974.85 904.65 1788.73 2142.76 76.34 85.96
11 ‘hmiw§Jo B§Jio 2594.84 2839.57 4052.94 4227.56 180.95 199.15
12 Amio’$mQ>m 3551.89 3744.48 1326.44 1359.91 2.30 30.72
13 Ami§Xr 2172.54 2234.50 1481.27 1680.10 38.00 84.16
14 OwÞa 845.23 1101.05 1064.64 1533.78 -17.09 18.01
15 nmB©Q> 1096.25 1523.37 1433.70 1846.27 7.65 65.26
16 nm~i 1450.25 1800.04 1149.51 1856.80 41.05 56.85
17 AmHw$S>u 559.69 628.45 462.76 818.17 -37.64 -12.16
18 ‘w»¶ H$m¶m©c¶ 103.16 99.05 989.86 1176.95 -1183.07 -1802.98
EHy$U 101018.67 104771.41 61488.30 67474.40 1079.86 1101.91

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