Sheet1

THE SARVODAYA SAHAKARI BANK LTD.

"SHREE NIDHI",KHAND BAZAR,
VARACHHA ROAD,SURAT.
Page : 1
BALANCESHEET AS ON 31ST MARCH'2010

31.03.2009 31.03.2010 31.03.2009 31.03.2010

Amount CAPITAL & LIABILITIES Amount Amount Amount PROPERTY & ASSETS Amount Amount
(Rs.) (Rs.) (Rs.) (Rs.) (Rs.) (Rs.)
[1] SHARE CAPITAL :- 25,011,642.36 [1] CASH :- 33,227,092.36
50,000,000.00 i Authorised Share Capital 50,000,000.00 In hand & with Reserve bank,State
5,00,000 Shares of Rs.100/- each Bank of India,Central Co.Op.Bank
ii Subscribed & Paidup Share Capital
448594 Equity Share of Rs.100/- [2] BALANCE WITH OTHER BANK :-
each fully paidup of the above held 61,643,541.28 i. Current Deposit 73,917,087.06
by - ii. Savings Bank Deposit -
36,959,400.00 (a) Individuals 44,859,400.00 44,859,400.00 351,246,623.00 iii. Fixed Deposits 311,046,623.00 384,963,710.06
(b) Co.Op.Institutions
( c) State Governments 42,500,000.00 [3] MONEY AT CALL AND SHORT 30,000,000.00 30,000,000.00
NOTICE
[2] RESERVE FUND & OTHER
RESERVES :- [4] INVESTMENTS
60,436,218.00 i Statutory Reserve 73,015,591.65 700,571,686.00 i. In Central & State Govt.Securities 777,953,868.00
650,000.00 ii Charity Fund 650,000.00 (at Book Value)
950,000.00 iii Propegenda Fund 975,000.00 116,798,826.34 ii. Other trustee Securities 161,006,236.72
(Sahakar Prachar Fund) - iii. Share in Co.Op.Institutions other
17,300,000.00 iv Building Fund 26,300,000.00 than in item [5] below
3,950,000.00 v Dividend Equilization Fund 4,300,000.00 5,000.00 a. Guj.State Co.Op.Bank Ltd. 5,000.00
1,153,500.00 vi 15% Credit Equilization Fund 1,303,500.00 100,000.00 b. The Surat Dist.Co.Op.Bank Ltd 100,000.00
89,000,000.00 vii Bad & Doubtful debts Reserve 93,300,000.00 600,000.00 iv Other Investments (GEB DEPOSIT) 600,000.00
11,925,000.00 viii Investment Fluctuation Reserve 11,925,000.00 - a. Post Savings Bank A/c. - 939,665,104.72
620,000.00 ix Development Fund 670,000.00
1,466,000.00 x Building Depriciation Fund 1,756,000.00 [5] INVESTMENT OUT OF THE
29,440,000.00 xi Contingent Pro.Ag.Dep.in Inv. 29,440,000.00 PRINCIPAL/SUBSIDIARY STATE
- xii Incom Tax Reserve Fund PARTNERSHIP FUND
45,500,000.00 xiii Investment Depriciation Fund 45,500,000.00 In Share of :
3,450,000.00 xiv Bank Golden Jubilee Fund 3,500,000.00 - i. Central Co.Op.Bank
4,950,000.00 xv Shareholder Gift Fund 5,000,000.00 - ii. Primary Agricultural Credit Societies
100,000.00 xvi Loan Rebate Fund 100,000.00 - iii. Other Societies
4,600,000.00 xvii Provision For Standerd Assets 4,600,000.00
485,000.00 xviii Cont.Pro.Ag.Dep.in NONSLR Inv. - 302,335,091.65

312,935,118.00 TOTAL C/F…2 347,194,491.65 1,298,477,318.98 TOTAL C/F…2 1,387,855,907.14

Count…..2

Page 1
 Sheet1

THE SARVODAYA SAHAKARI BANK LTD.

"SHREE NIDHI",KHAND BAZAR,
VARACHHA ROAD,SURAT.
Page : 2
BALANCESHEET AS ON 31ST MARCH'2010

31.03.2009 31.03.2010 31.03.2009 31.03.2010

Amount CAPITAL & LIABILITY Amount Amount Amount PROPERTY & ASSETS Amount Amount
(Rs.) (Rs.) (Rs.) (Rs.) (Rs.) (Rs.)
312,935,118.00 TOTAL B/F…1 347,194,491.65 1,298,477,318.98 TOTAL B/F…1 1,387,855,907.14
[3] STATE-PRINCIPAL/SUBSIDIARY:- [6] ADVANCES :- 1,048,459,645.27
PARTNERSHIP FUND A/C (Details as per Annexure)
For Share Capital of 403,825,151.04 i. SHORT TERM LOANS 506,278,254.38
- i Central Co.Op.Banks of which secured against
- ii Primary Agricultural Society 13,878,248.98 a. Government & Other approved 14,622,056.78
- iii Other Societies Securities
[4] DEPOSIT & OTHER A/CS 82,613,771.06 b. Other tangible securities 112,324,372.75
i FIXED DEPOSITS : 307,333,131.00 c. Other Securities 379,331,824.85
553,485,346.15 a. Individuals 422,290,964.65 of the above Advances,
25,000.00 b. 6Yr Cash Certificates 15,000.00 403,825,151.04 Amount Due from Individuals 506,278,254.38
10,845,342.00 c. 10Yr Cash Certificates 7,722,681.00
168,284,289.00 d. Sarvodaya Vikas Patra 160,458,008.00 20,803,137.26 Amount Overdues 25,578,666.81
968,450.00 e. Dashabdi Cerificates 961,800.00
9,914,760.00 f. Platinum Cerificates 2,594,270.00 20,793,880.98 Considered Bad & Doubtful 28,952,195.91
27,051,135.00 g. G.M.I.P.Scheme 28,044,922.00
1,677,965.00 h. Azadi Suvarna Varsh Certificates 651,030.00 419,862,355.80 ii. MEDIUM TERM LOANS 522,617,032.63
10,186,894.00 i. Auto Renewal Deposit 13,077,433.00 of which secured against
43,629,000.00 j. Flexi Deposit 57,671,000.00 21,692,006.00 a. Government & Other approved 23,133,070.00
245,148,543.50 k. Compound Int.Scheme 391,119,795.00 Securities
33,957,369.00 l. Sheenidhi Scheme 37,608,841.00 390,844,337.40 b. Other tangible securities 492,191,658.63
7,473,000.00 m FIXED DEPOSITS :(Quarterly) 152,630,888.00
1,274,846,632.65 7,326,012.40 c. Other Securities 7,292,304.00
ii SAVINGS DEPOSITS of the above Advances,
20,125,629.21 a. Savings 19,629,663.68 419,862,355.80 Amount Due from Individuals 522,617,032.63
358,989,631.45 b. Cheque System Savings 451,289,983.20
10,397.00 c. NRE Savings Deposit 4,320.00 6,207,746.77 Amount Overdues 4,850,766.57
460.00 d. Dainik Bachat Yojna 460.00
4,247,217.21 e. Locker Key Deposit 5,034,484.98 7,514,724.50 Considered Bad & Doubtful 5,632,419.50
475,958,911.86
iii CURRENT DEPOSIT
254,059,056.99 a. Individuals 268,752,571.85
- b. Central Co.Op.Banks
- c. Other Societies
268,752,571.85 2,019,558,116.36

2,063,014,603.51 TOTAL C/F…3 2,366,752,608.01 2,122,164,825.82 TOTAL C/F…3 2,416,751,194.15

Count…..3

Page 2
 Sheet1

THE SARVODAYA SAHAKARI BANK LTD.

"SHREE NIDHI",KHAND BAZAR,
VARACHHA ROAD,SURAT.
Page : 3
BALANCESHEET AS ON 31ST MARCH'2010

31.03.2009 31.03.2010 31.03.2009 31.03.2010

Amount CAPITAL & LIABILITY Amount Amount Amount PROPERTY & ASSETS Amount Amount
(Rs.) (Rs.) (Rs.) (Rs.) (Rs.) (Rs.)
2,063,014,603.51 TOTAL B/F…2 2,366,752,608.01 2,122,164,825.82 TOTAL B/F…2 2,416,751,194.15
[5] BORROWINGS 18,103,488.17 iii. LONG TERM LOANS : 19,564,358.26
- i. From the Reserve Bank of India / of which secured against
State / Central Co.Op.Bank - a. Government & Other approved -
A. SHORT TERM LOANS,CASH Securities
CREDITS AND OVERDRAFTS 18,103,488.17 b. Other tangible securities 19,564,358.26
of which secured against - c. Other Securities -
a. Govt. & Other aprd.Securities of the above Advances,
b. Other Tengible Securities - SIDBI 18,103,488.17 Amount Due from Individuals 19,564,358.26
B. MEDIUM TERM LOANS
of which secured against 1,392,924.00 Amount Overdues 1,416,445.00
a. Govt. & Other aprd.Securities
b. Other Tengible Securities 1,392,924.00 Considered Bad & Doubtful of Recovery 1,390,864.00
C. LONG TERM LOANS
of which secured against [7] INTEREST RECEIVABLE :-
a. Govt. & Other aprd.Securities 18,920,263.00 a. On Deposits / Investments 19,080,876.00
b. Other Tengible Securities 17,201,817.10 b. On Advances 17,188,498.82 36,269,374.82
of which overdue Considered Bad &
- ii. From the State Bank of India Doubtful of Recovery
A. SHORT TERM LOANS,CASH
CREDITS AND OVERDRAFTS 2,057,341.46 [8] BILLS RECEIVABLES BEING 1,239,308.47
of which secured against BILL FOR COLLECTION
a. Govt. & Other aprd.Securities As per Contra
b. Other Tengible Securities -
B. MEDIUM TERM LOANS - [9] BRANCH ADJUSTMENTS -
of which secured against
a. Govt. & Other aprd.Securities 10,916,330.91 [10] PREMISES LESS DEPRECIATION 10,308,527.91
b. Other Tengible Securities
C. LONG TERM LOANS 20,255,517.75 [11] FURNITURE & FIXTURES 19,399,406.93
of which secured against MACHINERY & COMPUTER
a. Govt. & Other aprd.Securities LESS DEPRECIATION
b. Other Tengible Securities NON BANKING ASSETS ACQUIRED
IN SATISFACTION OF CLAIMS
(Stating mode of Valuation)

2,063,014,603.51 TOTAL C/F…4 2,366,752,608.01 2,209,619,584.21 TOTAL C/F…4 2,503,532,170.54

Count…..4

Page 3
 Sheet1

THE SARVODAYA SAHAKARI BANK LTD.

"SHREE NIDHI",KHAND BAZAR,
VARACHHA ROAD,SURAT.
Page : 4
BALANCESHEET AS ON 31ST MARCH'2010

31.03.2009 31.03.2010 31.03.2009 31.03.2010

Amount CAPITAL & LIABILITY Amount Amount Amount PROPERTY & ASSETS Amount Amount
(Rs.) (Rs.) (Rs.) (Rs.) (Rs.) (Rs.)
2,063,014,603.51 TOTAL B/F…3 2,366,752,608.01 2,209,619,584.21 TOTAL B/F…3 2,503,532,170.54
- iii. From the State Government [12] OTHER ASSETS
A. SHORT TERM LOANS,CASH 19,100.00 a. TDS on Deposit Interest 5,098.00
CREDITS AND OVERDRAFTS - b. Sundry Debtors -
of which secured against 19,165.50 c. Library 19,575.50
a. Govt. & Other aprd.Securities 789,824.73 d. Stationery Stock/ATM Card 823,614.75
b. Other Tengible Securities - e. Deposit for GEB -
B. MEDIUM TERM LOANS 67,911.00 f. Stamps on Documents 342,724.00
of which secured against - g. Clearing House -
a. Govt. & Other aprd.Securities 268,953.00 h. Prepaid Expenses 495,136.00
b. Other Tengible Securities 1,050,450.00 i. Festival Advance to Staff 1,212,100.00
C. LONG TERM LOANS 834,140.00 j. TDS Deduction 1,686,406.07
of which secured against - k. Clearing Difference -
a. Govt. & Other aprd.Securities 18,519.00 l. Clearing Adjustment -
b. Other Tengible Securities - m. Deposit with CCIL -
6,065.56 n. Service Tax/TDS Recoverable 18,231.56
iv. Loans Other sources 12,442.36 o. S.Tax & E.Cess Cr.Receivables 2,266.92
851.00 a. Surat Dist.Co.Op.Banl ltd. FDOD - 39,580.00 p. Electricity/Telephone Deposit 39,580.00 -
b. HDFC Bank Current A/c - - - 4,644,732.80

2,057,341.46 [6] BILL FOR COLLECTION 1,239,308.47

BEING BILL RECEIVABLE
As per contra

- [7] BRANCH ADJUSTMENTS -

17,201,817.10 [8] OVERDUE INTEREST RESERVE 17,188,498.82

43,917,518.00 [9] INTEREST PAYABLE 44,089,816.00

[10] OTHER LIABILITIES

- a. Staff P.F. etc. -
7,155,718.70 b. Sundry Creditors 9,967,159.70
- c. Professional Tax -

2,133,347,849.77 TOTAL C/F…5 2,429,270,231.30 2,212,745,735.36 TOTAL C/F…5 2,508,176,903.34

Count…..5

Page 4
 Sheet1

THE SARVODAYA SAHAKARI BANK LTD.

"SHREE NIDHI",KHAND BAZAR,
VARACHHA ROAD,SURAT.
Page : 5
BALANCESHEET AS ON 31ST MARCH'2010

31.03.2009 31.03.2010 31.03.2009 31.03.2010

Amount CAPITAL & LIABILITY Amount Amount Amount PROPERTY & ASSETS Amount Amount
(Rs.) (Rs.) (Rs.) (Rs.) (Rs.) (Rs.)
2,133,347,849.77 TOTAL B/F…4 2,429,270,231.30 2,212,745,735.36 TOTAL B/F…4 2,508,176,903.34
44,906.00 d. Loan Margin Money 44,906.00
2,386,040.60 e. Unclaim Money / Dividend 3,694,785.15
329,913.00 f. Provision for Expence 390,657.00
17,920.00 g. Sundries-Share Application Reserve 215,430.00
13,655,975.07 h. Misc.Payslip issued accounts 6,707,617.63
- i. Clearing House -
- j. Tax on Interest -
34,998.00 k. Clearing Difference 34,939.00
33,408,037.24 l. Other liabilities 36,639,877.34 57,695,371.82

[11] PROFIT & LOSS A/C

1,744.48 Profit as last B/S 2008-09 29,520,095.68

- Less: Appropriation 29,518,782.00

29,518,351.20 Add:Profit for the year Brought 21,209,986.54

from the P&L accounts-2009-10 21,211,300.22

[12] CONTINGENT LIABILITIES

(275,378.00) i. Outstanding liabilities for (225,378.00)
Guarantees issued
- ii. Others -
(275,378.00) (225,378.00)
2,212,745,735.36 GRAND TOTAL 2,508,176,903.34 2,212,745,735.36 GRAND TOTAL 2,508,176,903.34

Page 5