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Joshi & Karandikar.2. To appoint Statutory Auditors for the Financial Year 2012-13 and to authorize Board of Directors to fix their remuneration. Garden Nursery. 5. (Multi-State Scheduled Bank) (Reg. 5. Patil Road. certified by the Statutory Auditors. Address or Nomination of the member should be intimated immediately to the Bank at Share Dept. Those members who will not collect their dividend for the year ended March 2009 on or before 10th July 2012.TJSB Sahakari Bank Ltd. Chartered Accountants.No. 3. Deendayal Bhavan office in writing.40 am on the same day and same place. L. 4. 20th May 2012 at 10. Dividend will be transferred to respective saving or other account of the Members or on written request submitted to Deendayal Bhavan office of the bank. The Board of Directors recommends M/s.M. Plot No. Near Charai Cross. Those members who have not received the dividend warrants are requested to collect the same from Deendayal Bhavan Office of the Bank at Jambhali Naka. S. 2. R. AGENDA 1. appropriation of profit and take a note of Statutory Auditor's report. Members who wish to have any additional information or those who wish to make any suggestions should submit their request in writing at the Registered Office of the Bank on of before 10th May 2012 during office hours. To write off the bad and doubtful loan accounts. To grant leave of absence to those members of the Bank who have not attended this Annual General Meeting.00 A. To approve the proposal of distribution of donations out of charitable fund of the Bank. 7. such dividend will be forfeited and transferred to statutory reserve of the bank as per Bye-law No. Thane (West) 400 604 Shri. Members are requested to attend the meeting on time.Guruprasad. This adjourned meeting will not require any separate notice or quorum. Road No. TJSB House. 42(iii). 4. Thane (W) – 400601 for appointment as Statutory Auditors. Opp. the quorum is not formed. Any change in Name. 3.S. 2.. 401. Wagle Estate. at Tip Top Plaza. B. 6. Balance Sheet and Profit & Loss Account. Any other matter with the permission of the Chair. Registered Office : By Order of the Board of Directors TJSB Sahakari Bank Ltd.MSCS/CR/287/2008 Date: 23/10/2008) NOTICE OF ANNUAL GENERAL MEETING st 41 Annual General Meeting of the Bank will be held on Sunday. Thane – 400604 to transact the following business. To read and confirm the minutes of the Annual General Meeting held on 05th June 2011. Wagle Estate. To approve the Annual Report placed by the Board of Directors for the Financial Year ended 31st March 2012. Utekar Chief Executive Officer Date: 03/05/2012 Note : If within half an hour after the time appointed for the meeting. 5B. to Charitable/Social Institutions.B. the meeting would stand adjourned and this adjourned meeting shall be held at 10. Road. Thane 400601. Important Notice to the Members 1. Please enquire at Deendayal Bhavan office for non-receipt of Share Certificate. 3 41 Jee Jeeef<e&keÀ DenJeeue .

LLB.Com. Jambhale B.R.Com. GENERAL MANAGER ISO27000LA Registered Office: Statutory Auditors Joshi & Karandikar Chartered Accountatnts TJSB House.Sc. PATKI M. Namjoshi B. GENERAL MANAGER 6.Com. CS GENERAL MANAGER 2. AGARWAL B. Shri H. GENERAL MANAGER 4.).B.tjsb. Plot No. Shri S.R..M. ASST. Kulkarni B. Shri N. Velankar B.K. LLB DIRECTOR 12. SHRI C. DATE B. GENERAL MANAGER 15. MRS. Shri V.V. P. DTIRM DY.ICWA. LLB.K.Sc.V. PGDM. Nagwekar M. ACA DIRECTOR 6.B.. A. SHRI N.D. BGL DIRECTOR 10.. SHRI M. CAIIB DY.R.E..Com..(IT) ASST. Shri S. CISA. Shri G.. Shri S. CAIIB ASST. DBM. THAKUR B.. LLB. CAIIB-I CHIEF EXECUTIVE OFFICER DIRECTOR SENIOR EXECUTIVES 1. B-5.G. SHRI R. CAIIB. CAIIB.Com.Mhaskar M..Com.GENERAL MANAGER 5. DHE DIRECTOR 9.E.Com. Shri V.BOARD OF DIRECTORS 1.A.25878650 Website: www. Shri S.Com. L. (MECH. GENERAL MANAGER 14. Thane (W) 400 604 Phone – 25878500 Fax . CAIIB ASST.D. ASST.Com.TECH (PRODUCTION) CHAIRMAN CHARTERED ENGINEER 2.A.. ASST.M. Purohit B..CAIIB DY. GENERAL MANAGER 8.co.co. DIPLOMA TECH (PAINTS) VICE-CHAIRMAN 3. SHRI V.Com. SHRI R. KANANI Diploma in Mechanical Engineering DIRECTOR 7.. SHRI VINODKUMAR BANSAL FCA CO-OPTED DIRECTOR 13.Com. Wagle Industrial Estate. CAIIB. CIA. SHRI V...in 41st Annual Report 4 .A.Com.. Road No.in E-mail: response@tjsb. CFA-Inter DY. MANDGE M.Com. GENERAL MANAGER 10. Shri D. SHRI S. Shri S.Sc. GENERAL MANAGER 13.D. SHRI B. C.BGL.. LLB.Com.2.N.N.B.Com. Shri S. GENERAL MANAGER 9. DIRECTOR 5.P.. Arekar B. Sathe B.V. GENERAL MANAGER 11. APTE B. Mudgerikar B. Shri V. CS GENERAL MANAGER 3.Com. VAISHAMPAYAN M. FCA DIRECTOR 11.H. Navare B. LLB DIRECTOR 4.D. KHUTADE 8. Behind Aplab Ltd. UTEKAR B. Shri S. MRS.Sc. MENON B... AICWA. SHRI P. JAIIB DY. Mayekar B.. JAIIB DY..Com. Gangal B.N. IYER B. Pathak B. CAIIB DY. Shri S. GENERAL MANAGER 12. GENERAL MANAGER 7. Koranne B.

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Jee{l³ee ceneieeF&®ee Je ieieveeuee efYe[uesu³ee peerJeveeJeM³ekeÀ efkebÀceleeR®ee. meve 2011-12 ®³ee megjÀJeeleeruee megceejs 17% Demeuesuee ®eueve HegjJeþ³ee®ee oj cee®e& 2012 DeKesjerme 13% Jejleer Deeuee. l³eecegUs jesKelesleerue letì SefHe´ue 2012 ceO³es ` 70. efJekeÀmeerle DeLe&J³eJemLee meve 2011 ceO³es 3% ³ee ieleerves Jee{le Demeleevee efJekeÀmeveMeerue DeLe&J³eJemLeebveer cee$e 7% Jee{er®ee Jesie jeKeuee Demetve l³eeleerue ®eerve Je Yeejle ³eeb®ee menYeeie ceesþe Deens. pejer DeeefLe&keÀ Hes®eHe´mebie efveJeUle Demeues lejer keÀener veJeerve DeeJneves peeieeflekeÀ DeLe&J³eJemLesmeceesj GYeer Deensle.1% JejÀve 3.57% lej cee®e& 2011 ceO³es 7.41 Jee Jeeef<e&keÀ DenJeeue . Yeejleer³e DeeefLe&keÀ HeefjefmLeleer ë meve 2008-09 Heemetve keWÀê Meemevee®es efJelleer³e legìer®es He´ceeCe meelel³eeves Jee{le Deens. DenJeeue Je<ee&le yeBkesÀves meJe&®e HeeleU³eebJej YejerJe keÀeceefiejer keÀjleevee ye@keÀeRie #es$eeleerue meJe& DeeefLe&keÀ efvekeÀ<eebHes#ee GpeJeer keÀeceefiejer kesÀueer Deens.97% FlekeÀe neslee. ³ee He´keÀej®eer efmLeleer efvecee&Ce nesle Demeleevee DeeefLe&keÀ letì. efJekeÀmeveMeeerue DeLe&J³eJemLeebceO³es Jee{er®ee Jesie ®eebieuee Deens. DeewÐeesefiekeÀ GlHeeove Jee{er®ee Jesie meve 201112 ceO³es 8. Hejbleg Dee@keÌìesyej 2011 ceO³es Jee{uesu³ee mejkeÀejer keÀpee&cegUs J³eepeojeleerue Jee{ercegUs Je jesKelesJej Deeuesu³ee leeCeecegUs ns He´ceeCe Jee{ues. Jee{er®ee Jesie keÀceer nesle Demeleevee ®eueveJee{er®ee oj DeHesef#ele HeeleUerHes#ee keÀe³ece®e Jej jeefnuee Deens.3% ³ee He´ceeCeele Demeuesues ®eeuet Keel³eeJejerue legìer®es He´ceeCe SefHe´ue les ef[meWyej ³ee keÀeueeJeOeerle 4% He³e¥le Jee{ues. keÀpee&®³ee efJeUK³eele meeHe[uesues ³egjesefHe³eve osMe. keWÀêer³e DeLe&mebkeÀuHeele ns He´ceeCe keÀceer jeKeC³eeJej Yej Demeuee lejer les ®e{s jneC³ee®eer®e Meke̳elee Deens. Deeblejje<ì^er³e J³eeHeejele letì Je Iemejle peeCeeje keÀpee&®ee opee& ns cegK³e keÀeUpeer®es efJe<e³e Demeleele.000 keÀesìeRHe³e¥le keÀceer Peeueer Deens.1% Demee ceeHeÀkeÀ jeneruee Deens. efyeiej Mesleer GlHeeoveeleerue DeeefLe&keÀ Je<ee&®³ee megjÀJeeleeruee 22. ³ee meboYee&le Jee{l³ee ceneieeF&Jej efve³eb$eCe Je efJekeÀeme oj ³eeb®³eeleerue mecevJe³e jeKeCes ns DeeefLe&keÀ OeesjCeemeceesj cegK³e DeeJneve Demeles. DeveskeÀ osMeeb®eer keÀcekegÀJele DeeefLe&keÀ efmLeleer. 10 Je<e& cegoleer®³ee mejkeÀejer jesK³eeb®ee HejleeJee oj 25 SefHe´ue 2012jespeer 8. efJekeÀmeerle Je efJekeÀmeveMeerue DeLe&J³eJemLeebceOeerue Jee{er®ee Jesie JesieUe Deens.YeefieveeRvees. cee®e& 2012 ceO³es ne oj peemle Jee{uee. Hejbleg. DeeefLe&keÀ Je Flej yeeyeeR®ee efJe®eej keÀjC³eeHetJeea keÀesCel³ee DeeefLe&keÀ HeeMJe&YetceerJej yeBkesÀves keÀece kesÀues Deens Je keÀjCeej Deens l³ee®ee Hejece<e& IesCes ³eesi³e þjsue.3% ³ee leguevesle efJekeÀemee®ee oj 6.5%FlekeÀe Iemejuee Deens. peeieeflekeÀ DeeefLe&keÀ efmLeleer ë peeieeflekeÀ DeLe&J³eJemLee iesu³ee Je<ee&le ye-³eeHewkeÀer megOeejle Deens.

( ` keÀesìeRceO³es )

þsJeerb®ee leHeMeerue KeeueerueHe´ceeCes ë

He´ceeCe Henelee keÀceer He[C³ee®eer Meke̳elee Deens. keÀesCel³eener He´keÀej®eer Jee{uesueer efJelleer³e letì
®eueveJee{erJej Je mejkeÀejer keÀpee&Jej Lesì HejerCeece keÀjÀ MekeÀles. ieleJe<eea®³ee ` 4.4 ueeKe
keÀesìer Fleke̳ee mejkeÀejer keÀpee&®es He´ceeCe meve 2012-13 ®³ee DeLe&mebkeÀuHeevegmeej 4.8
ueeKe keÀesìer FlekesÀ Jee{C³ee®eer Meke̳elee Deens.
³ee HeeMJe&YetceerJej efjPeJe& yeBkesÀves DeeHeu³ee efJelleer³e OeesjCeele J³eepeoje®eer HeeleUer jeKeCes,
Jee{er®ee oj keÀe³ece jeKeCes, Jee{l³ee ceeieCeercegUs nesCeeje ®eueve HegÀieJeìe Je yeepeejeleerue
jesKeles®es He´ceeCe ³eesi³e jeKeCes DeMee efJeefJeOe GefÎ<ìebveer Keeueerue Ghee³e ³eespevee peenerj
kesÀu³ee Deensle.

þsJeeR®ee He´keÀej
®eeuet
ye®ele
cegole
SketÀCe

2010-11
242.02
882.78
2346.78
3471.58

%
6.97
25.43
67.60
100.00

2011-12
261.27
917.05
3166.65
4344.97

%

6.02
21.11
72.88
100.00

keÀpex ë
iesu³ee DeeefLe&keÀ Je<ee&le keÀpe& J³eJenej 32.55% ves kee{tve ` 648.31 keÀesìer FlekeÀe
Peeuee Deens. keÀpe& DeeefCe þsJeeR®es He´ceeCe 60.76% FlekesÀ Peeues Deens. keÀpee&®ee leHeMeerue
KeeueerueHe´ceeCes ë

efjPeJe&& yeBkesÀves peenerj kesÀuesu³ee DeeefLe&keÀ Ghee³e ³eespeveeb®eer cegK³e JewefMe<ì³es
KeeueerueHe´ceeCes ë
· jsHees jsì 8.5% JejÀve 8% , lej efjPeJe& jsHees jsì 7% kesÀuee Deens
· efjPeJe&& yeBkesÀkeÀ[tve Iesleu³ee peeCee-³ee keÀpee&®ee J³eepe oj 9% FlekeÀe þsJeuee Deens.
· ³eesi³e leer jesKelee jeKeC³eemeeþer Jejerue keÀpee&®³ee ce³ee&oe®es He´ceeCe SketÀCe þsJeer®³ee
2% FlekesÀ Jee{efJeues Deens.

( ` keÀesìeRceO³es )

keÀpe& He´keÀej
2010-11
1253.43
cegole keÀpex
meermeer/Dees[er/Dee³eyeerHeer/Deesyeer[er 738.44
SketÀCe
1991.87

%

62.93
37.07
100.00

2011-12
1483.51
1156.67
2640.18

%

56.19
43.81
100.00

DeeefLe&keÀ Je<ee&®³ee megjÀJeeleeruee keÀpe& ceeieCeer keÀceer Demeu³eecegUs keÀpe& DeeefCe þsJeeR®es He´ceeCe
Jee{efJeCes DeeJneveelcekeÀ nesles. iesu³eeJe<eea meb®eeuekeÀ ceb[Ueves keÀener OeesjCeelcekeÀ efveCe&³e
IesTve keÀpe& efJelejCeele megmeg$elee DeeCeC³ee®ee He´³elve kesÀuee Deens, p³eecegUs keÀpee&®ee opee&
keÀe³ece jeKeCes Meke̳e Peeues Deens.

meve 2011-12 ceOeerue yeBkesÀ®³ee J³eJeneje®eer þUkeÀ JewefMe<ì³es ë
iesu³ee DeeefLe&keÀ Je<ee&le yeBkesÀves J³eJemee³ee®es DeveskeÀ ìHHes Heej kesÀues Demetve meJe&®e #es$eele
GuuesKeveer³e keÀeceefiejer kesÀueer Deens ns veceto keÀjC³eeme efJeMes<e Deevebo nesle Deens. iesu³ee
DeeefLe&keÀ Je<ee&le yeBkesÀves ` 6975 keÀesìeR®ee J³eJemee³ee®ee ìHHee Heej kesÀuee Deens, lej ye®ele
DeeefCe ®eeuet Keel³ee®ee J³eJenej `1150 keÀesìeRHes#ee peemle Deens Je ³ee®e keÀeueeJeOeerceO³es
efveJJeU veHeÀe ` 60.09 keÀesìer FlekeÀe Peeuee Deens.
J³eJemee³ee®³ee ³ee mlejebvee ieeþleevee J³eepeojeleerue efveJJeU veHe̳ee®es He´ceeCe 3.49%
FlekesÀ jeKeues Deens.

DenJeeue meeueer yeBkesÀ®³ee {esyeU DeveglHeeefole keÀpee¥®es He´ceeCe 2.63% FlekesÀ Keeueer Deeues
Deens pes ³ee OeesjCee®ee®e HejerCeece Deens.
( ` keÀesìeRceO³es )
leHeMeerue

2010-11

{esyeU DeveglHeeefole keÀpex
efveJJeU DeveglHeeefole keÀpex
SketÀCe keÀpex

68.12
0
1991.87

%

3.42
-

2011-12
69.53
0
2640.18

%

2.63
-

iegbleJeCetkeÀ ë
J³eeJemeeef³ekeÀ ceeHeob[eb®ee legueveelcekeÀ Dee{eJee ë
leHeMeerue
SketÀCe Guee{eue
þsJeer
keÀpex
{esyeU veHeÀe
efveJJeU veHeÀe
mJeefveOeer
{esyeU DeveglHeeefole keÀpex
efveJJeU DeveglHeeefole keÀpex
Hegbpeer He³ee&Hlelee

31.03.2011
5463.45
3471.58
1991.87
89.66
49.58
428.98
3.42%
0
15.64%

31.03.2012
6985.15
4344.97
2640.18
104.89
60.09
496.11
2.63%
0
15.03%

( ` keÀesìeRceO³es )
% Jee{ / Ieì

DenJeeue meeueer efjPeJe& yeBkesÀves þjJetve efouesu³ee He´ceeCeele yeBkesÀves jesKelee Je iegbleJeCetkeÀ ³eeb®es
³eesi³e He´ceeCe jeKeues Demetve vee@ve Smed.Sued.Deej. iegbleJeCegkeÀer efjPeJe& yeBkesÀves þjJetve efouesu³ee
ce³ee&osle Deensle. ³ee iegbleJeCegkeÀer þjJetve efouesu³ee HeleceeveebkeÀveeHe´ceeCes®e Deensle.

27.85%
25.16%
32.55%
16.99%
21.20%
15.65%
(0.79%)
(0.61%)

efjPeJe& yeBkesÀ®³ee OeesjCeebvee DevegmejÀve yeBkesÀves meJe&meceeJesMekeÀ iegbleJeCetkeÀ OeesjCe lemes®e
Yeeb[Jeue Je ³esCeer J³eJemLeeHevee®es OeesjCe DeeKeues Deens.
efjPeJe& yeBkesÀ®³ee ceeie&oMe&keÀ lelJeevegmeej Del³eeOegefvekeÀ leb$ee®ee JeeHej keÀjÀve iegbleJeCegkeÀer®³ee
meJe& He³ee¥³eeb®ee ³eLeesef®ele JeeHej yeBkeÀ keÀjle Deens. lemes®e efjPeJe&& yeBkesÀ®³ee OeesjCeevegmeej
iegbleJeCegkeÀer®³ee meJe& J³eJenejeb®es efleceener uesKeeHejer#eCe Debleie&le efnMesyeleHeemeveermeebkeÀ[tve
nesle Demeles.

þsJeer ë
mHeOee&lcekeÀ HeefjefmLeleerlener yeBkesÀ®³ee þsJeer 25% ntve Jee{tve ` 4,344.97 keÀesìer
Fleke̳ee Peeu³ee Deensle. SketÀCe þsJeeR®eer ye®ele Je ®eeuet Keel³eeleerue þsJeeR®es He´ceeCe
27.12% FlekesÀ 31.03.2012 jespeer Deens. þsJeeRJejerue mejemejer J³eepe oje®es
He´ceeCe 7.09% FlekesÀ Jee{ues Deens.

41st Annual Report

31 cee®e& 2012 jespeer yeBkesÀ®eer mejemejer iegbleJeCetkeÀ ieleJe<eea®³ee ` 1823.36
keÀesìerJejÀve ` 2133.06 keÀesìer DeMeer Peeueer Deens. ner Jee{ 17% FlekeÀer Deens.
iesu³ee Je<ee&le J³eepeojeb®ee DeeuesKe ®e{lee Demetvener iegbleJeCegkeÀerJej nesCeejer mebYeeJ³e letì

6

ueeYeebMe ë

keÀceerle keÀceer þsJeC³eele yeBkesÀuee ³eMe Deeues Deens. J³eepeojeleerue ³ee DeefveefM®eleles®ee ³eesi³e
ueeYe GþJetve ye@kesÀves iegbleJeCegkeÀerJejerue HejleeJee oj ®eebieuee þsJeuee Deens. ³eecegUs þsJeeRJejerue
mejemejer J³eepeoj peemle Demetvener J³eepeojeleerue leHeÀeJeleer®ee oj ³eesi³e l³ee He´ceeCeele
jeKelee Deeuee Deens.

YeeieOeejkeÀebvee ³eesi³e HejleeJee osle Demeleevee®e veHe̳ee®eer Hegve&iegbleJeCetkeÀ keÀjÀve Hegbpeer
He³ee&Hlelee He´ceeCe me#ece jeKeCes ns yeBkesÀ®es OeesjCe jeKeues Deens. l³eevegmeej meve 2011-12
ceO³es 15% ueeYeebMee®eer efMeHeÀejme keÀjleevee meb®eeuekeÀ ceb[Ueme Deevebo nesle Deens.

Deeblejje<ì^er³e J³eJemee³e efJeYeeie ë
veHeÀe efJeYeeieCeer meve 2011-12 ë
efjPeJe& yeBkesÀves efouesu³ee efJeosMe efJeefvece³e J³eJeneje®³ee HejJeeveieer veblej 19 peguew 2010
Heemetve yeBkesÀves Authorised Dealer cnCetve J³eJemee³e megjÀ kesÀuee Deens. ³ee Debleie&le yeBkeÀ
meJe&He´keÀej®³ee mesJee Heefnu³ee Je<ee&Heemetve®e HegjJele Deens.

DeeleeHe³e¥le veHeÀe efJeYeeieCeer®eer Hetle&lee meJe&meeOeejCe meYes®³ee cebpegjerveblej Heg{erue DeeefLe&keÀ
Je<ee&le keÀjC³ee®eer yeBkesÀ®eer HeOole nesleer. ³ee efJeYeeieCeer®ee DebleYee&Je Heg{erue Je<ee&®³ee efnMesye
He$eele ceeb[uee peele Demes.

DenJeeue meeueer yeBkesÀves SketÀCe ` 814.02 keÀesìeR®ee J³eJenej kesÀuee Deens. ³ee
keÀeueeJeOeerle yeBkesÀves ` 3.48 keÀesìeR®ee efveJJeU veHeÀe efceUJeuee Deens. DeeblejyeBkeÀ J³eJenej
³ee keÀeueeJeOeerle ` 1000 keÀesìer FlekeÀe Peeuee Deens. `De` ÞesCeer®³ee keWÀêeceOetve
DeeblejyeBkeÀ J³eJenej lemes®e Dee³eele efve³ee&le efJe<e³ekeÀ J³eJenej kesÀues peeleele. veeefMekeÀ,
DebOesjer, veewHee[e Je HegCes ³ee `ye` ÞesCeer®³ee keWÀêeceOetve meJe&He´keÀej®³ee Dee³eele efve³ee&leer®³ee
megefJeOee Keelesoejebvee yeBkeÀ HegjJele Deens. Heefnu³ee®e Je<ee&le ³ee meJe& keWÀêeveer DeefleMe³e
ue#eCeer³e keÀeceefiejer kesÀueer Deens. `keÀ` ÞesCeer®³ee SketÀCe 13 keWÀêebceOetve HejosMeer
®eueveefJe<e³ekeÀ J³eJenej kesÀues peeleele, p³ee®ee ueeYe efJeosMeer menueeruee peeCeejs Je
J³eJemeeef³ekeÀ efve³eceerleHeCes Iesle Deensle.

meYeemeoebvee jeKeerJe efveOeer DeeefCe Flej iebieepeUer ³eeb®es ³eesi³e Je mel³e cetu³eebkeÀve mecepeeJes
cnCetve yeBkesÀves ³ee HeOoleerle yeoue kesÀuee Deens. l³eevegmeej ³ee Je<eea®eer veHeÀe efJeYeeieCeer ³ee®e
Je<eea®³ee leeUsyeboele DebleYet&le kesÀueer Demetve l³eeme meYeemeoeb®eer cebpetjer DeHesef#ele Deens (meboYe&
He=<þ ke´À.22).
efJemleej ë
iesu³ee Je<eea efjPeJe& yeBkesÀves one veJeerve MeeKee GIe[C³ee®eer HejJeeveieer yeBkesÀuee efoueer nesleer,
l³eeJesUer lesje uee³emevme DeeHeu³ee neleele nesles. meve 2011-12 ³ee Je<ee&le yeBkesÀves SketÀCe
JesieJesieU³ee efþkeÀeCeer 11 MeeKee GIe[u³ee, l³eele oesve Deeblejjep³eer³e, ieesJee DeeefCe
yesUieebJe MeeKes®ee meceeJesMe Deens. jyeeUs ³esLeerue MeeKee ces 2012 uee megjÀ nesF&ue.

meO³ee yeBkeÀ DecesjerkeÀve [e@uej, ³egjes, HeeTb[, pe@Heefvepe ³esve, Dee@mìs^efue³eve [e@uej Je efmJeme
He´BÀkeÀ ³ee ®eueveeleerue J³eJenej keÀjle Deens Je l³eemeeþer HejosMeele Keeleer GIe[C³eele Deeueer
Deensle. mebHetCe& peieYejeleerue 60 Hes#ee peemleer yeBkeÀebMeer J³eJemeeef³ekeÀ mebyebOe yeBkesÀves
He´mLeeefHele kesÀues Deensle. DenJeeue meeueele yeBkesÀves Dee³eele HeleHe$e, yee³eme& kes´À[erì, HejkeÀer³e
®eueveele keÀpe& Je HejkeÀer³e ®eueveele efve³ee&le HeleHegjJeþe DeMee DeveskeÀ megefJeOee Keelesoejebvee
GHeueyOe keÀjÀve efou³ee Deensle. ³ee®e keÀeueeJeOeerceO³es yeBkesÀves ` 20 keÀesìeRHes#ee peemle
DeefveJeemeer Yeejleer³eeb®³ee þsJeer efceUJeu³ee Deensle.

DeeHeu³ee yeBkesÀuee efjPeJe& yeBkesÀves YeefJe<³eele 18 MeeKee GIe[C³eemeeþer HejJeeveieer efoueer
Deens. l³eele yeesF&mej, þeCes, keÀu³eeCe, meesueeHetj, DekeÀesuee, HesCe, ef®eHeUtCe, yebieueesj, HeÀeW[e,
meebieueer, ce[ieebJe, metjle, Denceoeyeeo, yejes[e, kegÀ[gme, veeefMekeÀ, peeuevee Je ®eebefoJeueer
³eeb®ee meceeJesMe Deens.

veefpekeÀ®³ee keÀeUele De@efkeÌmeme yeBkesÀ®³ee menkeÀe³ee&ves HejkeÀer³e ®eueveeleerue Prepaid Debit
Card mesJee megjÀ keÀjC³ee®ee yeBkesÀ®ee efJe®eej Deens. lemes®e keÀener cenlJee®³ee GÐeesie keWÀêele
efJeosMe efJeefvece³e mesJee osC³ee®ee efJe®eej Deens.

ye´B[ ìerpesSmedyeer ë
ceeieerue Je<eea®³ee meJe&meeOeejCe meYesves cebpetj kesÀu³eeHe´ceeCes yeBkesÀ®es veebJe efo þeCes pevelee
menkeÀejer yeBkeÀ efue. ns yeouetve ìerpesSmedyeer menkeÀejer yeBkeÀ efue. Demes Peeues Deens. ³ee
meboYee&leerue keWÀêer³e menkeÀej Keeles Je efjPeJe&& yeBkeÀ Dee@HeÀ Fbef[³ee ³eeb®³ee ³eesi³e l³ee HejJeevei³ee
Iesleu³ee Deensle. ceneje<ì^eyeensj nesCee-³ee efJemleejele ³ee yeoueeves HeÀej ceesþer ceole nesCeej
Deens. lemes®e yeBkesÀ®³ee Deeblejje<ì^er³e mJeerke=Àleeruee ®eeuevee efceUCeej Deens.

veHeÀe ë
leerJe´ mHeOee& Je keÀþerCe DeeefLe&keÀ JeeleeJejCeelener yeBkesÀves ` 60.09% keÀesìeR®ee efveJJeU
veHeÀe 2011-12 ceO³es efceUJeuee Deens. DenJeeue Je<ee&le yeBkesÀves 21.20% FlekeÀer
Jee{ efveJJeU veHe̳eele kesÀueer Deens.
(

leHeMeerue
keÀj Je lejletoerHetJeea®ee veHeÀe
keÀj Je lejletoerveblej®ee veHeÀe

2010-11
89.66
49.58

ueb[ve ³esLes Peeuesu³ee efceHeÌìe meesnU³eele yeBkesÀves DeeHeu³ee veJeerve yeesOeef®evne®es DeveeJejCe
kesÀues. ³ee meesnU³eeceO³es yeBkesÀ®³ee Demeuesu³ee GHeefmLeleercegUs efJeosMe efJeefvece³e J³eJemee³ee®³ee
Jee{eruee ceole nesCeej Deens.

keÀesìeRceO³es)

2011-12
104.89
60.09

osMee®³ee je<ì^ieerleeuee 100 Je<es& HetCe& Peeu³eeyeÎue yeBkesÀves ’ osMe ceePee ceer osMee®ee “ ne
DeeieUe JesieUe keÀe³e&ke´Àce oeoespeer keÀeW[osJe mìsef[³ece ³esLes Dee³eesefpele kesÀuee neslee. meoj

7

41 Jee Jeeef<e&keÀ DenJeeue

keÀe³e&ke´Àceele 50000 Hes#eener peemle ueeskeÀebveer menYeeieer nesTve He´®eb[ He´eflemeeo efouee. ³ee
ceO³esner 21000 Hes#ee peemle Meeues³e efJeÐeeL³ee¥®ee menYeeie ne GuuesKeveer³e þjuee. ³ee
SketÀCe mebK³es®ee efJe®eej keÀjlee ³ee GHeke´Àcee®eer veeWo efieefvepe yegkeÀele nesC³ee®³ee Meke̳eles®ee
HeeþHegjeJee nesle Deens.

nesC³eemeeþer yeBkesÀves keÀener He´efke´À³eeb®eer DebceueyepeeJeCeer keÀecee®ee SkeÀ Yeeie cnCetve mJeerkeÀejueer
Deens.
³ee He´keÀej®³ee Hegjesieeceer OeesjCeebcegUs YeefJe<³eele menkeÀej #es$eeuee ueeiet nesCeejs Deeblejje<ì^er³e
efJelleer³e efvekeÀ<e Je ye@meue II ®eer DebceueyepeeJeCeer, ³eemeeþer yeBkesÀves SkeÀ me#ece Hee³ee le³eej
kesÀuee Deens.

DenJeeue Je<ee&le yeBkesÀves jep³eeyeensjerue DeeHeueer Heefnueer MeeKee cneHemee, ieesJee ³esLes Je
yesUieebbJe, keÀvee&ìkeÀ ³esLes ogmejer MeeKee GIe[ueer.

Hegbpeer He³ee&Hlelee ë
yeBkesÀ®eer He´eflecee peveceevemeele DeefOekeÀ He´ceeCeele jÀpeJeC³eemeeþer Je þmeJeC³eemeeþer
Jele&ceeveHe$es, ef®e$eJeeCeer Je HeefjJenve mesJesleerue yemesme DeMee ceeO³eceeb®ee peeCeerJeHetJe&keÀ JeeHej
yeBkeÀ keÀjle Deens.

DenJeeue meeueer yeBkesÀ®es YeeieYeeb[Jeue ` 16.99 keÀesìeRveer Jee{tve SketÀCe ` 72.10 keÀesìer
Peeues Deens. efjPeJn& yeBkeÀs®³ee efkeÀceeve 12% ®³ee efvekeÀ<ee®³ee leguevesle yeBkesÀ®eer Hegbpeer
He³ee&Hlelee DenJeeuemeeueer 15.03% FlekeÀer YekeÌkeÀce Deens. Deeieeceer Je<ee&le, SketÀCe
20 veJeerve MeeKee GIe[C³ee®ee yeBkesÀ®ee ceeveme Deens. ³eemeeþer ueeieCeeje Yeeb[Jeueer Ke®e&,
He´iele leb$e%eevee®ee mJeerkeÀej ³eeb®ee Hegbpeer He³ee&HlelesJej ³esCeeje leeCe keÀceer keÀjC³eemeeþer veHeÀe
J³eJemLeeHeve OeesjCee®eer ³eesi³e DebceueyepeeJeCeer keÀjCes iejpes®es þjCeej Deens.

peesKeerce J³eJemLeeHeve ë
yeBkesÀ®es YeefJe<³eeleerue MeeKee efJemleeje®es OeesjCe ue#eele Ieslee, peesKeerce J³eJemLeeHeve Je
mecee³eespeve yeBkesÀ®³ee ³eMeele Je DeeefLe&keÀ megj#esceO³es cenlJee®es þjCeej Deens.

ceeveJe mebmeeOeve ë
efJeefJeOe peesKeceer mJeerkeÀejÀve J³eJemee³e keÀjCes ns yeBefkebÀie®es cegK³e meeOeve Demeles. ³eesi³e
peesKeerce J³eJemLeeHeve, peesKeerce Je HejleeJee ³eeb®ee mecevJe³e, yeBkesÀ®³ee ³eMeele cenlJeHetCe&
Demelees. J³eeJemeeef³ekeÀ GlHeeokeÀlee, peesKeceer®³ee leguevesle ³eesi³e DemeCes yeBefkebÀie
J³eJemee³ee®eer efoMee þjJeles. Flej DeveskeÀ peesKeceerbyejesyej keÀpe&efJelejCeeleerue peesKeerce,
yeepeejmebueive peesKeerce (jesKelee Je J³eepeoj peesKeerce) Je keÀe³ee&lcekeÀ peesKeerce yeBkesÀ®³ee
¢<ìerves efJe®eejele IesCes iejpes®es Deens. keÀpe&oejeb®³ee keÀe³e&kegÀMeueles®es ³eesi³e ceeveebkeÀve
keÀjC³eeJej yeBkesÀves Yej efouee Deens.

ceeveJe mebmeeOeve Je=Ooermeeþer l³ee®eer efJekeÀemeHe´Ceeueer iejpes®eer Demeles. ³ee Debleie&le ³eesi³e
He´efMe#eCe Je meJee¥efieCe efJekeÀeme Ie[Jetve Jew³eefkeÌlekeÀ, meebefIekeÀ Je mebmLeelcekeÀ GefÎ<ì ieeþCes
Meke̳e nesles.
yeBkesÀ®³ee He´efMe#eCe keWÀêele meJe& mlejeJejerue keÀce&®ee-³eebmeeþer efve³eefceleHeCes He´efMe#eCee®es
Dee³eespeve kesÀues peeles. lemes®e, yeensj®³ee DeemLeeHeveebveer Dee³eesefpele kesÀuesu³ee efJeefJeOe
He´keÀej®³ee He´efMe#eCe keÀe³e&ke´Àceebvee, keÀe³e&MeeUebvee yeBkesÀleerue keÀce&®ee-³eebvee yeBkeÀ HeeþJele
Demeles.

Hele Je peesKeerce mebueive J³eepeoje®eer DeekeÀejCeer keÀjCes ner yeBkesÀ®eer YeefJe<³eeleerue YetefcekeÀe
Deens. HeleceeveebkeÀvee®eer HeOole HeejoMeea Je keÀpe&oejeuee ³eesi³e l³ee megOeejCee keÀjC³eeme JeeJe
osCeejer Demeu³eeves, peemleerle peemle ie´enkeÀ l³ee®ee HeÀe³eoe IesT MekeÀleele.

meve 2011-12 ceO³es, SketÀCe 44 He´efMe#eCe keÀe³e&ke´Àceebleie&le 1178 menYeeieeRvee
55851 ceeveJeer leemeeb®es He´efMe#eCe efoues iesues. ³ee Debleie&le efJeefJeOe He´keÀej®³ee keÀe³ee&lcekeÀ
peesKeceer, ce®e¥ì yeBefkebÀie, Deeblejje<ì^er³e efJelleer³e ceeveebkeÀves Je ye@meue II, iegbleJeCetkeÀ He³ee&³e Je
efJeosMe efJeefvece³e J³eJenej DeMee DeveskeÀ efJe<e³eeb®ee DebleYee&Je kesÀuee neslee.

keÀpe&efJelejCeele mHe<ìlee ³esC³eemeeþer yeBkesÀ®eer keÀpe&OeesjCes meggefveefM®ele Deensle.
keÀpe&cebpegjermeeþer efJeefJeOe meefcel³ee mLeeHeve keÀjÀve yeBkeÀ l³eeyeeyele®es efveCe&³e Iesles.
melele Jee{le peeCeejs J³eJeneje®es He´ceeCe, melele nesCeejs j®eveelcekeÀ yeoue Je leb$e%eeve, ³eeb®ee
efJe®eej keÀjlee keÀe³ee&lcekeÀ peesKeceer®es J³eJemLeeHeve DeeJneveelcekeÀ þjle Deens.

YeefJe<³eeleerue DeeJneveebvee meeceesjs peeC³eemeeþer %eevee®³ee Je keÀe³e&#eceles®³ee keÀ#ee
jbÀoeJeC³eeJej Yej osCeejs OeesjCe yeBkesÀves mJeerkeÀejues Deens. ceeveJe mebmeeOeve ne yeBkesÀves
peHeuesu³ee keÀener cetu³eeb®ee ieeYee jeneruee Deens. keÀce&®ee-³eebvee me#ece keÀjCeejer OeesjCes
DeeKetve, l³eeb®ee melele HeeþHegjeJee keÀjCes, yeBkesÀ®es O³es³e jeefnues Deens.

efjPeJe& yeBkesÀ®³ee OeesjCeevegmeej keÀecee®³ee Hetle&lesJej Yej osCes, yeBkeÀ cenlJee®es ceeveles.
J³eJemee³eJe=Ooer®³ee He´ceeCeele Gllece opee&®³ee peesKeerce J³eJemLeeHevee®es met$e yeBkesÀves
DebefiekeÀejues Deens. p³ee®es Hegve&jeJeueeskeÀve meb®eeuekeÀ ceb[U JesUesJesUer keÀjle Demeles.

DeeOegefvekeÀ leb$e%eeve ë

efJeefJeOe He´keÀej®³ee keÀe³ee&lcekeÀ peesKeceeR®es J³eJemLeeHeve keÀjC³eemeeþer yeBkesÀves SkeÀ Debleie&le
keÀe³e&He´Ceeueer efveefM®ele kesÀueer Deens. ³ee He´Ceeueervegmeej peesKeerce MeesOeCes, l³eeb®es J³eJemLeeHeve
keÀjCes, Debleie&le keÀe³e&#ecelee megOeejCes Je Gllece He´leer®eer ie´enkeÀmesJee osCes yeBkesÀuee Meke̳e nesle
Deens.
iesu³ee keÀener Je<ee&le peesKeerce efveefce&leer, l³eeb®es HeefjCeece Je l³eeb®es J³eJemLeeHeve ®eebieu³eeHe´keÀejs

41st Annual Report

mees³eermkeÀj Je megKeo ie´enkeÀmesJee HegjJeC³eemeeþer leb$e%eevee®ee JeeHej keÀjC³eele yeBkeÀ Deie´smej
jeefnueer Deens.
leb$e%eeve He´CeeueerJej DeeOeeefjle yeBefkebÀie, ceeefnleer®eer megjef#elelee Je leb$e%eeveeleerue peesKeceeR®es
J³eJemLeeHeve ³ee efJe<e³eebJej efjPeJe& yeBkesÀves SkeÀ DenJeeue He´efmeOo kesÀuee Deens. l³ee Deveg<ebieeves

8

YeeieOeejkeÀeb®³ee He´efle Demeuesueer peyeeyeoejer Je DeHes#ee ³eeb®es meblegueve jeKeC³eeJej yeBkesÀ®ee Yej Deens. VISADEBIT CARD ®eer mesJee ie´enkeÀebvee GHeueyOe keÀjÀve efoueer Deens. G®®e opee&®eer J³eeJemeeef³ekeÀ DevegMeemeve lelJes mJeerkeÀejCes Je l³eeb®es Heeueve keÀjCes ³eeJej yeBkesÀ®ee þece efJeMJeeme Deens.ce@ì mesJee osC³eemeeþer ve@Meveue ef[Hee@efPeìjer meefJe&mesme yejesyej yeBkeÀsves mecevJe³e keÀjej kesÀuesuee Deens. · veJeerve MesDejceOeerue iegbleJeCetkeÀ. JewOeeefvekeÀ uesKeeHejer#ekeÀ cnCetve keÀece keÀjC³eeme peesMeer Je keÀjboerkeÀj. meeceeefpekeÀ peyeeyeoejer ë ³ee Debleie&le yeBkeÀ l³eebvee Keeueerue mesJee HegjJele Deens. DeKebef[le mesJee osC³eemeeþer DeeHelkeÀeueerve He³ee&³eer J³eJemLeener GYeejueer Deens. meom³e mebK³ee ë yeBkesÀ®eer 31.03. He´l³eskeÀ MeeUsleerue SkeÀ efJepeslee efveJe[uee iesuee. Fbìjvesì yeBefkebÀie®ee JeeHej DeefOekeÀ keÀjC³eemeeþer ìt-He@ÀkeÌìj Dee@LeWefìkesÀMeve HeOoleer®³ee DebceueyepeeJeCeer®eer He´efke´À³ee megjÀ kesÀueer Deens. · efveJe=lleer Jesleve efve³eb$ekeÀ Je efJekeÀeme He´eefOekeÀjCe ³eeb®³eeJoejs peeefnj Peeuesueer veJeerve efveJe=lleer Jesleve ³eespevee yeBkesÀ®³ee efJeefJeOe MeeKeebceOetve keÀe³ee&efvJele kesÀueer peeCeej Deens. lemes®e me#ece J³eeJemeeef³ekeÀ DevegMeemeve peeCeerJeHetJe&keÀ peesHeemeues Deens. J³eeJemeeef³ekeÀ DevegMeemeve ë 1 ceneje<ì^eyeensj MeeKee efJemleej keÀjÀve yeBkeÀ ceefuìmìsì menkeÀejer yeBkeÀeb®³ee #es$eele Deie´smej jenC³ee®ee He´³elve keÀjle Deens. ie´enkeÀebvee [er. ³esl³ee DeeefLe&keÀ Je<ee&le yeBkesÀ®ee Keeueerue efJe<e³eebJej Yej jenCeej Deens. ner mesJee HetCe&lJeeves osC³eemeeþer DeeJeM³ekeÀ DemeCeejs efvekeÀ<e HetCe& keÀjÀve l³eeyeÎue®eer HejJeeveieer efjPeJn& yeBkesÀkeÀ[s ceeefieleueer Deens. DenJeeue Je<ee&le ceeefnleer leb$e%eeveeJej DeeOeeefjle mesJee osC³eemeeþer keÀener veJeerve yeBkeÀeb®ee DebleYee&Je yeBkesÀves kesÀuee Deens. · DeefOekeÀ ®eebieueer ie´enkeÀmesJee osC³eemeeþer Je jesKe YejCee keÀjC³ee®ee JesU keÀceer keÀjC³eemeeþer yeBkeÀ veewHee[e. YeeieOeejkeÀeb®eer cetu³eJe=Ooer Glke=À<ì keÀe³e&HeOoleer Je J³eJenejeleerue HeejoMe&keÀlee ³eeb®³eeJoejs yeBkeÀ meeOele Deens. J³eJemee³e keÀjleevee Demeuesueer keÀe³eÐee®eer ce³ee&oe. veesJnWyej. l³eebvee ye®eleer®es cenlJe HeìJeC³eemeeþer ³ee He´l³eskeÀ efJepesl³ee®³ee veeJeeves ye#eerme cnCetve 100 jÀHe³eeb®es ye®eleKeeles yeBkesÀves GIe[tve Iesleues Deens. 1 leb$e%eeve efJe<e³ekeÀ meuuee Je Oeve MeesOeve He´efleyebOe keÀe³e&He´Ceeueer 2 leb$e%eeve efJe<e³ekeÀ meuuee 3 DeeHelkeÀeueerve He³ee&³eer J³eJemLee GHeueyOe keÀjÀve osCes 4 [eìe meWìj Je DeeHelkeÀeueerve [eìe meWìj mesJee GHeueyOe keÀjÀve osCes. ³ee vesceCegkeÀeryeeyele®ee þjeJe efJe<e³e Heef$ekesÀJejerue efJe<e³e ke´ÀceebkeÀ 4 DevJe³es ceeb[C³eele Deeuee Deens. 2 3 yeBkesÀ®es cegK³e keÀe³ee&ue³e veJeerve Je He´Memle Jeemletle mLeueeblejerle Peeues Demetve HetCe&HeCes keÀe³ee&efvJele Peeues Deens.yeBkesÀves ceeefnleer megj#ee J³eJemLeeHeve He´Ceeueer efveefM®ele kesÀueer Demetve ISO 27001 ®³ee efvekeÀ<eebvegmeej l³eeb®eer DebceueyepeeJeCeer keÀjC³ee®es OeesjCe DeeKeues Deens. ®eeì&[& DekeÀeTvììdme ³eebveer mebceleer efoueer Deens. J³eJemee³ee®³ee veJeerve Jeeìe ë je<ì^er³e Yegieleeve DeemLeeHeves®es meom³elJe yeBkesÀves Iesleu³eecegUs ie´enkeÀebmeeþer Flej 66 yeBkeÀeb®³ee megceejs 96743 SìerScedMeer mebueivelee efceUeueer Deens. yeBkeÀsves (CORPORATE SUSTAINABILITY AND REPUTATION CONSULTING)’cetu³e efMe#eCee®es“ ³ee efJe<e³eeJej efveyebOe mHeOee& He´e³eesefpele kesÀueer nesleer. VISA DEBIT CLASSIC AND PLATINUM DeMee oesve He´keÀejs keÀe[&me GHeueyOe Deensle. þeC³eeleerue SkeÀe meeceeefpekeÀ mebmLes®³ee men³eesieeves. 2011 ceO³es efjPeJe& yeBkesÀves peejer kesÀuesu³ee OeesjCeevegmeej menkeÀejer yeBkeÀebvee J³eJenejeefOeef<þle Fbìjvesì yeBefkebÀie mesJee osC³eeme HejJeeveieer efoueer Deens. ieleJe<eea ner mebK³ee 34228 DeMeer nesleer. JesOe YeefJe<³ee®ee ë 40 J³ee DenJeeueele veceto kesÀu³eeHe´ceeCes Keeueerue iees<ìeR®eer Hetle&lee yeBkesÀves kesÀueer Deens. vejWê peeOeJe ³eeb®³ee cegueeKeleerletve He´sjCee IesTve ³ee mHeOex®es Dee³eespeve kesÀues nesles. peesMeer Je keÀjboerkeÀj. efJeefJeOe DeemLeeHeves Je SìerSced ³esLes l³ee®ee JeeHej Meke̳e Deens. osMeYejeleerue efJeefJeOe Keelesoejeb®³ee iejpeebJej ue#e keWÀefêle keÀjCeejer OeesjCes DeeKeleevee YeeieOeejkeÀeb®³ee efnlee®ee yeBkeÀves keÀe³ece efJe®eej kesÀuee Deens. þeCes efpeun³eeleerue megceejs 103 DeeÞece MeeUebleerue 12300 ntve DeefOekeÀ cegueebveer ³eele menYeeie Iesleuee neslee. ³eecegUs ie´eceerCe Yeeieeleerue MeeUebceO³es DeeefLe&keÀ meceeefJe<ìles®³ee OeesjCeeuee ieleer efceUC³eeme ceole nesCeej Deens. cegK³e MeeKee Je Heeb®eHeeKee[er MeeKee ³esLes jesKe mJeerke=Àleer ³eb$e 9 41 Jee Jeeef<e&keÀ DenJeeue . uesKeeHejer#ekeÀeb®eer vesceCetkeÀ ë meve 2012-13 ³ee DeeefLe&keÀ Je<ee&meeþer JewOeeefvekeÀ uesKeeHeefj#ekeÀ cnCetve ces. yeeB[ Je c³eg®³egDeue HebÀ[eleerue iegbleJeCegkeÀermeeþer megefveefM®ele jkeÀces®³ee mene³³eeves Depe& (ASBA) Meke̳e nesCeej Deens. HueemìerkeÀ keÀjvmeer®ee JeeHej Jee{JeC³eemeeþer yeBkesÀves DenJeeuemeeueer VISA DEBIT CARD ie´enkeÀebvee GHeueyOe keÀjÀve efoues Deens. l³ee Debleie&le yeBkesÀves keÀener ce³ee&osHe³e¥le F´bìjvesì yeBefkebÀie He´Ceeueer keÀe³ee&efvJele kesÀueer Deens. efve³eespeve meefceleer Je je<ì^er³e meuueeieej meefceleer®es meom³e [e@. ®eeì&[& DekeÀeTvììdme ³eeb®eer efve³egkeÌleer keÀjC³eeyeeyele meb®eeuekeÀ ceb[U efMeHeÀejme keÀjerle Deens.2012 jespeer meom³e mebK³ee 40921 FlekeÀer Deens.

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3% in the corresponding quarter of 2010-11. 2012. Indian Economic Scenario: The Reserve Bank of India in its monetary policy 2012 –13 has stated that domestically the state of the economy is a matter of growing concern.0 % of GDP from 3. the liquidity deficit went beyond the comfort level of 1% net demand and time liabilities of banks.62 % on April 25. rapid rise in inflationary pressures and spurt in commodity prices. the challenge for monetary policy is to maintain vigil on controlling inflation while being sensitive to risks to growth and During April-December 2011. slowdown in capital inflows and higher crude oil prices in international 11 41 Jee Jeeef<e&keÀ DenJeeue . policy rate hikes and persistent liquidity tightness. Before I touch upon the operational and financial performance of your Bank. In the emerging economies the major risks emanate from asset price bubbles. It firmed up in October 2011 on account of increased market borrowing.41st Annual Report 2011-2012 Dear Shareholders. 2012 as compared with 8. But recovery is happening at different speeds across the globe. This led to an upsurge in public confidence and was reflected in the higher market share of the business.97 % at end-March 2011.1% during third quarter of the 2011-12 as against 8. While the sense of crisis has waned.9% by end of March 2012. The 10-year benchmark yield was at 8. The deficit liquidity declined to ` 70000 crores byApril 13. reflecting strong growth in time deposits. It has done better than the industry in a number of key financial parameters. it remains sticky and above the tolerance level. it is relevant to scan through the economic environment under which we conducted the banking business and also the future outlook. The global economy has continued to improve over the past year. reflecting concerns about government borrowing programme in 2012-13. vulnerabilities. The yield hardened again somewhat towards end of March 2012.57 % at end-March 2012 and 7. Weak sovereign balance sheets. 2011-12. the Reserve Bank of India took steps to inject primary liquidity of a more durable nature by reducing CRR by 125 basis points. Moderation in inflation in December 2011January 2012 owed largely to softening of food prices while the same in February-March 2012 was largely driven by core nonfood manufactured products inflation which fell below 5% for the first time after two years.Y. On behalf of the Board of Directors. Headline Wholesale Price Index (WPI) which remained above 9% during April .1% in corresponding period of the previous year. Liquidity conditions remained in a deficit mode throughout 2011-12.November 2011. high levels of unemployment and continued weakness of the US financial markets are some of the major concerns for the advanced economies. The currency market was under pressure during AugustDecember 2011 due to expansion in trade deficit. Growth in the Index of Industrial Production (IIP) decelerated to 3. In order to mitigate the liquidity tightness. GDP growth moderated to 6. I would like to put on record that because of your unstinted support.Y. The performance of your Bank in F. but emerging economies registered robust growth of around 7% during the last year led by China and India. In November 2011. even as growth has slowed. Significantly these trends are occurring in a situation in which concerns over the fiscal deficit. Expansion in CAD was largely due to higher trade deficit and decline in overall capital inflows as compared with the previous year. In advanced economies growth remained modest at around 3% in 2011. which is significantly larger than even the expanded programme of 2011-12. In this context. 2011-12 has been very good on all fronts.4% by February 2012 reflecting slower economic activity. your Bank has successfully achieved greater heights of business during F. Growth in emerging markets has been strong while advanced economies have been moving towards a self sustaining trade and investment gradually replacing fiscal and monetary stimulus as principal drivers of economic growth. new challenges have surfaced to the global economy. As the Chairman of this great institution with a rich legacy.1% at the beginning of 2011-12 to 15. which was 17% at the beginning of the financial year 2011-12. Your Bank's visibility has increased considerably. The Global Economy: Non-food credit growth decelerated from 22. Money supply (M3) growth. moderated to 6.3 % of GDP during the same period of 2010. India's current account deficit (CAD) increased to 4. The 10-year benchmark government security yield remained range-bound during the first half of 2011-12. looming debt crisis in Euro zone. moderated during the course of the year to about 13% by end March 2012. the current account deficit and deteriorating asset quality loom large. it gives me great pleasure to extend a warm welcome to all of you at the 41st Annual General Meeting of the Bank.5% during 2011-12 from 8. Though inflation has moderated in recent months.

18 100. The composition of deposit is given below: The fiscal deficit of the Central Government has remained elevated since 2008-09. the budget estimate of compensation for underrecoveries of OMCs at the present level of international crude prices is likely to fall significantly short of the required amount.66 49. 12 .76% which was 57.79%) (0.43 % 62. Our Bank focused on creating balance credit portfolio by also having thrust on creating retail assets to spread risk.19 738.63%.65% (0. The ratio of CASA deposits to total deposits stood at 27.12 0 1991. · Reverse repo rate stands adjusted to 7%.00 In the beginning of the year the credit off take was low and hence it was a great challenge to improve Credit Deposit ratio with quality assets.A C.2011 41st Annual Report Particulars Keeping in view the RBI guidelines. The cost of deposit worked out to 7.87 89. which fetched good results in managing deployment in credit portfolio.97 2640.11 Term 2346.12: ( ` in Crores) I am happy to mention that your Bank recorded all round improvement in its performance during the year.97 100.18 % 2.P.63% 0 15. Performance Highlights of the Bank for the financial year 2011.markets.A. Net N.00 4344.60 3166.03.11 2. While your Bank's business mix touched ` 7000 crores and its current and saving (CASA) deposits also crossed a milestone of ` 1150 crores during 2011-12 and the net profit of your Bank surged to reach to ` 60.09% mainly due to high interest rate regime throughout the financial year.61%) 2010-11 68. which is a clear indication of quality of assets in credit portfolio.87 100.18 104.07 1156.27 6.31 crores at the growth rate of 32.2012 % Increase/ Decrease 5463. ( ` in Crores) 31.98 3.88 Total 3471.5% to 8%. even higher than the expanded borrowings of ` 4.97 crores.55% 16. · Reduced repo rate from 8. Any slippage in the fiscal deficit will have implications for inflation and Government's borrowing programme.02 6. The composition of advances is given below : Against this backdrop. The fiscal slippage in 2011-12 was also significantly high.15 4344.05 21.03.03.00 Advances: The advances portfolio recorded an increase of ` 648.63 - Treasury: Your bank has adhered to adequate CRR & SLR requirements as stipulated by RBI during financial year 2011-12.03% 27.67 43.16% 32.42% 0 15.99% 21.78 67. The bank has specified credit rating norms for investments under non-SLR segment which are strictly adhered to. Deposits: Despite the competitive environment.38% at the beginning of the year.R. several upside risks to the budgeted fiscal deficit remain. However. the bank has a comprehensive Investment policy and ALM policy in order to ensure consistency across business activities.09 496.53 0 2640. Financial Highlights : Particulars Business Mix Deposits Advances Gross Profit Net Profit Owned Funds Gross N.8 trillion. The Credit Deposit ratio stood at 60. · Marginal standing facility limit raised to 2% of Net Demand and Time Liabilities (NDTL) in order to provide greater liquidity cushion. The budgeted net market borrowings for 2012-13 are `4.42 - 2011-12 69.85% 25. Similarly.45 3471.12 % as on 31.87 % 3. containment of non-plan expenditure within the budget estimates for 2012-13 is contingent upon the Government's ability to adhere to its commitment of capping subsidies.4 trillion last year.81 1991. the Bank registered growth of 25% in deposits to reach ` 4344.P.64% 6985. Going by the recent burdensharing arrangements with the oil marketing companies (OMCs).20% 15.R Gross NPA Net NPA Total Advances 31.00 2640.55%.58 1991.43 917.58 428.58 100. ( ` in Crores) Type of Deposits 2010-11 % 2011-12 % Current 242.65 72. guard against risks of demand-led inflationary pressures re-emerging and to provide a greater liquidity cushion to the financial system. conditions eased in Q4 of 2011-12 reflecting a pick up in capital inflows as well as the impact of policy measures undertaken by RBI to improve dollar supply and contain speculation.A.44 37. · Marginal standing facility rate stands adjusted to 9%.93 2011-12 1483. In particular.09 crores.51 % 56.02 Savings 882. your bank has also maintained non SLR investment within the prescribed limit set by RBI.78 25. ( ` in Crores) Type of Facility Term Loans CC/OD/IBP/OBD Total 2010-11 1253. the RBI announced following measures in its monetary policy which were intended to adjust policy rates to levels consistent with the current growth moderation. Even though the Union Budget envisages a reduction in the fiscal deficit in 2012-13. It is important to note that Bank's Gross NPAremained at 2.2012.89 60. During the year your Board of Directors framed certain marketing policies with documenting due diligence norms.97 261.

IBD Business : The International Business Division (IBD) of the bank has become operational from 19th July 2010. other funds and liabilities as on the date of Balance Sheet. the name of the Bank stands changed from “The Thane Janata Sahakari Bank 13 41 Jee Jeeef<e&keÀ DenJeeue . Bank also intends to open some new “B” category centres at major business centres.89 60. along with the Trade Finance activities.06 crores from ` 1823. During the year under report. Thane and Pune. Profitability: Despite the pressures of keen competition and tighter monetary environment.48 Crores during the period under report. 2012 itself.36) Expansion: Last year your Bank had received 10 licences for opening branches from RBI. The activity is handled through “A” Category centre. There are 13 centres working as “C” category who handle the money changing business for leisure and business tour clients. Baroda in state of Gujarat. Pen.Ahmedabad. Chiplun. Foreign Currency Term Loans. Sangli. your Bank earned net profit of ` 60. 2012. NDS Call & NDS Order Matching. At “A” category centre. The bank has been active and effectively managing the treasury operations.Your Bank continues to have investment policy in place which is reviewed continuously in accordance with the guidelines issued by the Reserve Bank of India from time to time. All the centres have shown a remarkable performance during the year and right from their inception. Interbank Dealing also takes place. The other “B” category centres are at Nasik. Bank has canvassed more than ` 20 Crores in the form of Foreign Currency Non Resident (FCNR) deposits during the year under report. Andheri. Your Bank already has in place the system of internal audit of investment and treasury transactions on quarterly basis as per the RBI Guidelines. The “B” category centres handle only Trade Finance activities. Your bank also grabbed opportunities of the interest rate volatility to generate more income which resulted in improving the yield on investment. Phonda.Y. bank has handled all types of forex products viz. GBP. making total licenses in hand 13. Your Board of Directors is pleased to recommend dividend @15% on pro rata for the year 2011-12. IBD has earned net profit of ` 3. EURO. Madgaon in state of Goa. Akola. During the year under report IBD has done turnover of ` 814. JPY. your Bank has been able to contain depreciation to the minimum to its portfolio by realigning strategies from time to time. (Refer to Page No. Separate Nostro accounts have been opened with various correspondents. Your Bank has received permission from the Reserve Bank of India to open 18 more branches at Boisar. Kudus. from all its centres. subject to approval at theAnnual General Meeting. During the financial year 2011-12. after receiving Authorised Dealer Category – 1 Licence from RBI. The overall correspondent relationship with more than 60 banks across the world has been established which enabled the bank to handle the business effectively for its clients.09 Dividend: Your Bank's policy of declaring dividend is to reward the members as well as to plough back sufficient profit for maintaining a healthy Capital Adequacy Ratio and supporting future growth. The higher return on investment gives significant positive carry on the cost of deposit which helps your bank to post higher net interest income.66 49. Solapur. export finance in Foreign Currency. ( ` in Crores) Particulars Profit before Tax & Provisions Profit after Tax & Provisions Aggregate investment of your bank as at March 2012 increased to ` 2133. denominated co-branded card in association with Axis Bank. Despite rise in interest rates. USD. Your Bank's Net Profit registered a year-onyear growth of 21. Presently bank is dealing in 6 major currencies viz. In the near future bank is expected to launch the pre-paid foreign currency To provide to the shareholders a true and fair value of reserves. your Bank opened 11 branches at various locations which include two multi-state branches at Goa and Belgaum. the Bank has changed the previous practice and given effect to the appropriation of profits for the current year in the financial statements for the year ended 31st March. this is the first year wherein all the activities are handled under the licence.20%. NDS Primary Auction Software and CBLO/CROMS Software to place and settle all deals on the Electronic System. The interbank dealing turnover during the period under report is of around `1000 Crores. Surat. AUD & CHF. Brand TJSB : As unanimously approved by the General Body.36 crores registering a growth of 17% over previous year. Naupada. The interest rates remained volatile during last financial year. Kalyan. Bangalore in state of Karnataka. Your Bank has taken the Negotiated Dealing System (NDS).02 Crores. Chandivli.58 2011-12 104. Nashik. The effects of these appropriations were thus included in the Financial Statements of the next financial year. After initiation of the activity. Thane. 2011-12 : Bank had been following the practice of accounting for the appropriation of the profits of the respective year in the subsequent financial year after their approval at the Annual General Meeting. Import L/Cs. Jalna.09 crores during 2011-12. 2010-11 89. Buyer's Credit. One branch at Rabale is expected to be operational by end of May. Appropriation of Profit for F.

electronic media etc. With this kind of pro-active approach. These events have been conceptualized as some of the vehicles for building our brand name through a wide coverage on various media like print media. It is an integrated use of training and career development efforts to improve individual. monitoring and management of risks accordingly remain a key focus area for the Bank. managing and mitigating risk plays a crucial role in achieving long term financial security and success. Your Bank is well capitalized with CRAR of 15. Management risk. The capital expenditure to be incurred for the new branches and software up-gradation will put pressure on capital adequacy which we intend to tackle with the bottom-line management approach. Business risk. The bank ensures rating of borrower's performance based on audited financials on yearly basis. Of the various types of risks. In view of the number of participants. Human Resource Development is a framework for the expansion of Human Capital within organization. an attempt has been made to record the same in Guinness World Book of Records. managing operational risk has become an important feature of sound risk management practices. “Desh Majha. Rating model covers risk viz. Rating system is mainly aimed at assessment of Credit risk.10 crores. The bank has in place well defined credit policy with explicit rules and instructions pertaining to grant of credit which aims at following the sound lending practices. New Delhi and the Reserve Bank of India. Almost 50000 citizens including 21000 school children attended the programme. high degree of structural changes and complex support systems. 41st Annual Report 14 . Goa followed by second one at Belgaum in Karnataka. the most important are Credit risk. group and organizational effectiveness. Sound risk management and balancing risk-reward trade-offs are critical to a bank's success. Financial risk. Risk Management : The bank is on major expansion drive and in this scenario. strengthen controls. “Jana Gana Mana”. The bank has put in place a set of best practices in risk management appropriate to the size and business and these are been reviewed from time to time by the Board of Directors. Operational risk management policy provides a broad framework to identify. The bank conducted unique event.Ltd. The said change will have great impact in view of spreading our wings beyond Maharashtra. During past few years. Mee Deshacha”. various activities and processes have been initiated by your bank for identification of risks. assessment of their magnitude and monitoring them by use of variety of procedures. your Bank is exposed to. the bank is fully geared up and prepared to adopt IFRS and Basel II norms as and when made applicable to co-operative sector. The bank has well defined Committee Approach for taking credit decisions judiciously. The bank is aiming to move further towards rating/ risk based pricing in near term. recognition and expansion. . The bank has an internal control system in place which helps in managing the operational risk aspects. The response was overwhelming. the bank has well defined credit rating system in line with industry parameters for rating the borrowers. measurement. Market risk (which includes Liquidity risk and Price risk) and Operational risk. Your bank is under expansion mode and in the year 2012-13 it plans to open 20 new branches. Your bank firmly believes in the fact that the name change would help in achieving global acceptance. They are also deputed on various training programmes. The identification. The bank launched its new logo at the MIFTA Awards function held in London. The bank places great emphasis on compliance with the ongoing requirements as per RBI directives. The necessary approvals are received from the Central Registrar.03% well above the minimum requirement of 12% as stipulated by RBI. Business and revenue growth have therefore to be weighed in the context of the risks implicit in the Bank's business strategy. at the Dadoji Konddeo Stadium commemorating the centenary of National Anthem. Taking on various types of risk is integral to the banking business. improve customer service and minimize operating loss.” to “TJSB Sahakari Bank Ltd. CapitalAdequacy : Share capital of the Bank increased by ` 6. Your bank organizes training sessions for staff members at all levels at the Bank's Training Centre.99 crores during the year 2011-12 and remained at ` 72. The rating system is transparent and gives scope to the borrowers for improvement in requisite areas and become eligible for concessional pricing based on rating grade.”. This provided us with a platform for establishing our presence beyond India and also provided a boost to our Forex Services. workshops and seminars conducted by renowned organizations and institutions in banking & financial sector. In the wake of phenomenal increase in the volume of transactions. Human Resource: For Credit risk. Industry risk. assess and monitor risks. The bank opened its first out of state branch in Mapusa.

The management has in place a well thought out strategy catering to diverse needs of customers across the country. Your bank lists 'people' as one of its stated core values. The Bank believes in adopting and adhering to the best recognized corporate governance practices and continuously benchmarking itself against each such practice. This has opened the gates of a much larger opportunity of financial inclusion with tribal schools. Bank has approved and adopted Information Security Management System policy for all its Information Technology related operations as per the ISO 27001 standard framework and has taken the measures to test the Business Continuity by adopting Disaster Recovery Drills. Chartered Accountants for the financial year 2012-13. Narendra Jadhav – Member of India's Planning Commission and a member of the National Advisory Council to the Prime Minister of India. During the financial year. Variety of subjects covered include e. which is accepted at 66 Banks'ATMs and at 96743 locations across India. The Reserve Bank of India has published the report on Electronic Banking. a winner was selected. 55851 man-hours were deployed for 1178 participants in 44 training programmes. Programme on Measurement & Management of operational risk under Basel II. More than 12300 students from 103 Ashram Shalas from Thane district participated in the competition. I T Consultancy Services andAML Software ii. DR Site Sharing iii. The resolutions for their appointment will be moved under agenda item no. Corporate Governance: Your Bank is marching towards key position in multi-state cooperative banking sector by spreading the wings out of Maharashtra. As already reported in the 40th Annual Report. The Bank believes that best practices. we are glad to inform you that – · New Corporate Office is fully functional and core departments have been shifted to the premises. The Bank believes in empowering its employees and constantly takes various measures to achieve this. Way Forward: To facilitate the transition to digital currency. the subject being Value of Education. Joshi & Karandikar have consented to be appointed as Statutory Auditors. Information Security and Technology Risk Management and recommending the measures to be taken. Awareness Programme on Forex and many more.03. RBI has published guidelines allowing transaction based internet banking system to scheduled co-operative banks. Membership: The total number of members of the Bank as on 31.2012 stood at 40921 as against 34228 of the previous year. To create financial awareness and cultivate saving habit amongst school children. On location workshop on Emerging Trends in Merchant Banking Business. a savings account for each winner has been opened in TJSB and an amount of ` 100 deposited in the account as the prize. The Bank has started Internet banking system with limited functionality. your Bank has launched International VISA Debit Card for customer with VISA Debit Classic and Platinum options during 2011-12. Programme on Transition to IFRS. transparent disclosures and shareholder empowerment are necessary for creating shareholder value. The Bank has taken initiative of implementing “2FA – Two Factor Authentication” for making the Internet Banking more secure than ever before. merchant establishments and secure transaction over net.DC/DR Sharing New Lines of Business: Your Bank is member of National Payment Corporation of India and has launched RuPay ATM card for all its customers.The strategy is being executed within a sound governance framework that seeks to balance the interests of all stakeholders to ensure sustainable value creation. Appointment of StatutoryAuditors: The Board of Directors recommends to the Annual General Meeting appointment of Joshi & Karandikar. Your bank continuously strives to update knowledge and sharpen skills of employees to make them fully prepared to face new challenges in banking sector. From each school. the Bank has added new clients to its fold to provide Information Technology Enabled Services (ITES).During 2011-12.4 of the notice. It was based on an interview of Dr. Programme on Fixed Income Portfolio Management (Focus: Trading & Hedging). 15 41 Jee Jeeef<e&keÀ DenJeeue . In November 2011. With TJSB VISA Debit Card customers can have access to ATM.g. TechnologicalAdvancement: Your Bank has always been front runner in adopting technology for better customer services and convenience. These services include - Corporate Social Responsibility: Your Bank sponsored an essay competition conducted by an NGO in Thane (Corporate Sustainability & Reputation Consulting). Your Bank has complied with all the recommendations and has made application to RBI for starting transaction based internet banking system and expects to receive approval. i. The Bank understands and respects its fiduciary role and responsibility to shareholders and strives hard to meet their expectations.

Main Branch and Panchpakhadi Branch which will enable the Customers to deposit cash at any time and get credit to the account. IMPS will be driver for payment systems with support for RTGS/NEFT funds transfer. Shri Bhagwanrao Patwardhan was known as first Chartered Accountant in Thane City and started his businees in 1954. Patwardhan – founder Chairman of our Bank. and access on single USD number across India. The Reserve Bank of India has cut Repo rate by 50 basis points in monetary policy to boost economic growth of the country. Although there are many challenges ahead. I would like to appreciate the efforts of the employees for their whole hearted contribution to the organization and their unwavering dedication. which in turn will impact the domestic currency 41st Annual Report Last but not the least. Central Registrar of Co-operative Societies New Delhi. Our growing customers add strength to our growth and progress and I would like to express my gratitude to them. · During the year. a social leader. increase in oil prices globally and ballooning fertilizer subsidies. Sadhanatai Amte. He established Thane Janata Sahakari Bank Ltd. Vaishampayan Chairman 25. to provide the services of demat accounts. This may result in lower net inflows of funds from abroad. · Bank is committed to introduction of enriched e-banking channels full of features and functionalities at par with the banking industry for its customers. Acknowledgement: I would like to thank all shareholders for the confidence reposed in us and in supporting us to scale greater heights in performance. · Introduction of New Pension Scheme (NPS) under Pension Fund Regulatory and Development Authority (PFRDA) established by Government of India and TJSB to function as Points of Presence Service Providers through the network of branches. In the coming year.2012 16 . · Application Supported by Blocked Amount (ASBA): The safest and most economical way of making application for IPO. TJSB has tied up with National Depository Services Limited. I would like to thank my colleagues on the Board. Going forward.A. he established Jani Janardan Seva Samiti. Bank is installing Cash Acceptance Machine at Naupada Branch. he started Sadguru Seva Mandir Trust at Yeor and worked wholeheartedly forAdivasi People. · During the year.· During the year. bank received permission from the Reserve Bank of India for starting Mobile Banking Services and Bank has completed all the testing to start Inter Bank Mobile Payment System (IMPS) of National Payment Corporation of India.For getting free medical facilities for poor and downtrodden society. Maharashtra State for their support and guidance. Although we might see a progress in economic growth outlook. who have given their valuable time and assistance in charting Bank's progressive moves and ensuring TJSB's frontline position. He was on Board of TJSB upto 1985. customers and well wishers who passed away during the year under report. Legal advisors and correspondents and I am grateful to all of them. He was actively involved in social work and was Chairman of Kopineshwar Mandir Trust. Marathi Poet Grace. The international rating agency Standard & Poor (S&P) has given negative outlook of the long term sovereign debt of the country due to slow fiscal consolidation process. On behalf of the Board. renowned Hindi actors Shammi Kapoor and Dev Anand and renowned Marathi actress Rasika Joshi. customers of the Bank can avail Mobile banking for all transactions including interbank funds transfer and payment of utility bills.We deeply mourn the death of our staff member Shri Shreerang Chavan. To promote Co. Future Outlook: The Bank has been immensely benefited by the contribution made by its Auditors. We also deeply mourn the death of members of your bank. bank is also planning to introduce self service Pass Book Printing Machines and Kiosks to offer various banking facilities 24x7 to its Customers. Obituary: The focus areas of your Bank in current year will be: Board of Directors deeply mourn the sad demise of Shri Bhagwanrao alias B. · For improving the customer services and reduce the time to deposit the Cash for savings account customer.04. On Behalf of Board of Directors Shri V. India's Current Account Deficit (CAD) which represents its debt to the world is already above 4% which might go up further due to the shrinking of net inflows of funds to the country. Hussain. In 1981.K. The Board is also grateful to The Reserve Bank of India. Gazal Singer Jagjit Singh. UIDAI support. F. adversely. Bond Issues and NFO of Mutual funds. the inflationary pressures still persists on the back of expected decontrol of petroleum products. your bank is fully prepared to face them by re-aligning business policies and strategies. Commissioner of Cooperation and Registrar of Co-operative Societies. We also deeply mourn the sad demise of Smt.Operative Banking in Thane District. eminent artist M. · Introduction of Visa Debit Card.

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00 72.44.38 24.65 32.53.44.59.02 43.®es) 2.00.46.81 17.00 55.16 5.24.00 44.96 1.þsJeer Je Flej Keeleer 1 ®eeuet þsJeer i) Jew³eefkeÌlekeÀ þsJeeroej ii) Flej meesmee³eìerped 2 ye®ele þsJeer i) Jew³eefkeÌlekeÀ þsJeeroej ii) Flej meesmee³eìerped 3 cegole þsJeer i) Jew³eefkeÌlekeÀ þsJeeroej ii) Flej meesmee³eìerped 4 cegoleHetCe& cegole þsJeer 41st Annual Report 26 .10 22.12.46 98.06 2.72.61 22.54.00.89.42.00.01.20.86.14 1.14 SketÀCe 29.73.90 32.22 7.53.96 30.jeKeerJe Je Flej efveOeer i) JewOeeefvekeÀ jeKeerJe efveOeer ii) Fceejle efveOeer iii) yeg[erle Je mebMeeff³ele keÀpe& efveOeer iv) GlHeeokeÀ efEpeoieermeeþer mebYeeJ³e lejleto v) iegbleJeCetkeÀ ®e{-Gleej efveOeer vi) iegbleJeCetkeÀ Iemeeje efveOeer vii) meYeemeo keÀu³eeCe efveOeer viii) meJe&meeOeejCe efveOeer ix) Fceejle Hegvecet&u³eebkeÀve efveOeer x) efJeMes<e efveOeer (Dee³ekeÀj keÀe³eoe.22. 1961 keÀuece 36(1)(viii) DevJe³es) xi) yeg[erle Je mebMeeq³ele iegbleJeCegkeÀermeeþer lejleto xii) Oecee&oe³e efveOeer xiii) mebYeeJ³e efveOeer 2.82.90 42.49.58 80.44 34.Yeeb[Jeue DeefOekeÀ=le Yeeb[Jeue (4.84.78.14.17.24.HeefjefMe<ì 31 cee®e& 2012 jespeer 31 cee®e& 2011 jespeer HeefjefMe<ì A .97.02.20 8.29.01.06 24.02.15 29.38.59.13 9.23 SketÀCe 4.78.14 HeefjefMe<ì C .24.27 1.05.72.11 64.11.19 SketÀCe (1+2+3+4) 80.95.00 87.90 37.21 3.00.55 9.00.40.35 52.81.000 Yeeie Òel³eskeÀer ` 50/.81.82.52 2.58.82.27.46 0 1.76.86.26.08 HeefjefMe<ì B .11.00 85.00.10.69.54 13.46 4.68.03.99 8.24.73 1.02.59 24.31 SketÀCe 2.®es) YejCee Peeuesues Yeeb[Jeue (1.37 SketÀCe 8.81 11.87.08 9.00.07.78.35 60.00.41 2.61.71.66.75.79 2.126 Yeeie Òel³eskeÀer ` 50/.00 44.81.00.00 53.

55.64 49. HesSyeued x) mesJee keÀj HesSyeued xi) ueesve efkeÌueDejerRie De@[pesmìcesWì xii) Dee³ekeÀj lejleto xiii) os³e ueeYeebMe xiv) MesDeme& keÀueskeÌMeve DekeÀeGvì (De@keÌJee@³e[& ye@BkeÌmed ) xv) Flej ceeueceÊesmeeþer lejleto xvi) Sced Je@ì HesSyeued xvii) keÀce&®eejer meevegie´n efveOeer xviii) keÀce&®eejer ³esCes J³eepe lejleto xix) Sved.24 16.57 0 0 SketÀCe 2.13 HeefjefMe<ì D .91.89.65.38 10.59.69 0 2.18 8.73 8.Iesleuesueer keÀpesx je<ì^er³e DeeJeeme ye@BkesÀkeÀ[tve keÀpe& meeryeersSuedDees cegole þsJeerJejerue keÀpe& SketÀCe HeefjefMe<ì E .79 10.80 1.20 60.46.76 26.39 5.Flej osCeer i) Jew³eefkeÌlekeÀ þsJeeroej efkeÀjkeÀesU osCeer (meb[^er ¬esÀ[erìme&) ii) mej®eepe& HesSyeued (kemegueer) iii) osCeer Ke®ee&®eer lejleto iv) DeeieeT JeìCeeJeU(cegêebkeÀ MegukeÀ)/DeeieeT J³eepe(ieÉn keÀpesx) v) Hes mueerHe HesSyeued vi) [^eHeÌì HesSyeued vii) MesDej memHesWme/ veececee$e meYeemeo MegukeÀ viii) iegbleJeCegkeÀerJejerue IemeeN³eemeeþer mebYeeJ³e lejleto ix) ìer.69. Smed.41.42.67.09.25.85 3.29.00 17.47 SketÀCe 2.22 59.05.29 12 38.78 1.77 48.88.31.83 76.De@ceesìe&³ePesMeve efjPeJe& veJepeerJeve veeiejer menkeÀejer ye@BkeÀ efue.38 86.06 4.89 1.89 0 2.32.47 90.30 6.30.77 48.38 7.40.80 22 2.86 2.20. Þeer meodieg© pebieueer cenejepe menkeÀejer ye@BkeÀ efue.38 12.97.Smed mesìueceWì DekeÀeGvì xx) jpee JeìJeC³eemeeþer lejleto xxi) menkeÀejer eqMe#eCe efveOeer xxii) HeÀe@jskeÌme Hegvecet&u³eekebÀve lejleto xxiii) F F SHedÀ meer eqMeuuekeÀ HeefjefMe<ì F .78 3. 27 41 Jee Jeeef<e&keÀ DenJeeue .81.37 1.84 6.54 26.65.30.08 8 5.13 28.30 1.SHedÀ.74 29. [er.34.09 15.53.06.58.41.84 42.98.46.52 5 36.27 0 52.73.59 23.10.42 1.53 32.91 26.40.50 2.06 1.12.94.66.29 10.01.HeefjefMe<ì (` npeejele) 31 cee®e& 2012 jespeer 31 cee®e& 2011 jespeer 61.44 0 1.42.05.

69 2.20.26.95.24 1.27.81 HeefjefMe<ì I .63 0 44.55.41.55.33.30.65.00 2.89 SkeÀtCe 1. 22) HeefjefMe<ì H .13.20 10 3 5.HeefjefMe<ì 31 cee®e& 2012 jespeer 31 cee®e& 2011 jespeer HeefjefMe<ì G .79.57.41.49.75 2.85.17 1.78 2.80 17 8 8.92.iegbleJeCetkeÀ i) mejkeÀejer leejCeHe$es ii) Flej efJeéemle leejCeHe$es iii) Flej menkeÀejer mebmLeeb®es MesDeme& iv) jesKes Je DeHeefjJele&veer³e leejCeHe$es v) meìeraefHeÀkesÀìme Dee@HeÀ ef[Hee@Peerì 41st Annual Report 28 .66.97.78.17.74 0 44.14.15.jesKe Je yeBkesÀleerue efMeuuekeÀ i) neleeleerue jesKe jkeÌkeÀce ®eeuet þsJeer pecee ii) efjPeJe& yeBkeÀ Dee@HeÀ Fbef[³ee efMeuuekeÀ iii) mìsì yeBkeÀ DeeefCe Flej je<ì^er³eerke=Àle yeBkeÀe iv) jep³e menkeÀejer yeBkeÀ v) efpeune ceO³eJelee&r menkeÀejer yeBkeÀ vi) Flej yeBkeÀe vii) HejosMeeleerue yeBkeÀeceOeerue efMeuuekeÀ 21.93 8.22.74.92.09.19.10.01 13.Flej yeBkesÀleerue pecee i) jep³e / efpeune ceO³eJelee&r menkeÀejer yeBkeÀ cegole þsJeer ii) mìsì yeBkeÀ DeeefCe Flej je<ì^er³eerke=Àle yeBkeÀe cegole þsJeer iii) Flej yeBkeÀe cegole þsJeer HeefjefMe<ì J .58 0 11.veHeÀe leesìe JeeìCeer He$ekeÀ (meboYe& He=<þ ke´À.69 2.01 SkeÀtCe 16.11 1.73 2.60.19.71 3.12 13.07.00 2.12 4.95 23.09.06.58 8.89.66.42 5.96 SkeÀtCe 2.58.48 14.26.68.97.00 2.67.

73.11 ii) Flej vepejieneCe leejCe keÀpesx 4.57 1.` 24.33 32.29 4.78.76.27 SkeÀtCe (3) 10.70.94.05 yeg[erle Je mebMeef³ele keÀpesx (ceeieerue Je<eera .42.96.efouesueer keÀpesx 1) DeuHe cegole keÀpesx.` 23.J³eepe ³esCes i) iegbleJeCegkeÀerJejerue ii) keÀce&®eejer ie=n keÀpee&Jejerue SkeÀtCe 29 62.22 7.62.71.43.04. keÀ@Me ¬esÀ[erì.` 24.39 (HetCe& lejleto) SkeÀtCe (2) 3) oerIe& cegole keÀpesx i) mejkeÀejer Je Flej leejCe keÀpesx ii) Flej vepejieneCe leejCe keÀpesx iii)efJevee leejCe keÀpesx Jew³eefkeÌlekeÀ keÀpesx (ceeieerue Je<eera .15 2) ceO³ece cegole keÀpesx i) mejkeÀejer Je Flej leejCe keÀpesx 2.05 8.45 ii) Flej vepejieneCe leejCe keÀpesx 10.46.73) 53.51 4.53 12.85 82.03.05.91) 17.98.HeefjefMe<ì (` npeejele) 31 cee®e& 2012 jespeer 31 cee®e& 2011 jespeer HeefjefMe<ì K .36 8.28.64.26.34.18.65) yeg[erle Je mebMeef³ele keÀpesx (ceeieerue Je<eera .98.51.19 4.43 LekeÀyeekeÀer keÀpesx (ceeieerue Je<eera .34.37 10.47 55.58.46.78.80.26.06 HeefjefMe<ì L .79.69.16.86.62.12.84.97) 1.39.31) (HetCe& lejleto) 4.` 19.28.52 SkeÀtCe (1+2+3) 26.91.48) 20.51) 1.77 3.69 67.18.62) 26.35 19.88.87 LekeÀyeekeÀer keÀpesx (ceeieerue Je<eera .44.62.13.23.33.06.62.14 10.` 1.67 iii)efJevee leejCe keÀpesx 14.` 30.45.33.37.03 Jew³eefkeÌlekeÀ keÀpesx (ceeieerue Je<eera .84 3.35 (HetCe& lejleto) SkeÀtCe (1) 10.63.28 51.22.16) LekeÀyeekeÀer keÀpesx (ceeieerue Je<eera .21.` 4.94.40.91 15. DeesJnj[^eHeÌì Je Jemegueer®eer efyeues i) mejkeÀejer Je Flej leejCe keÀpesx 3.67.70 4.82 7.32 25.39 41 Jee Jeeef<e&keÀ DenJeeue .90 iii)efJevee leejCe keÀpesx 19.79.78.15.87.`83.83 Jew³eefkeÌlekeÀ keÀpesx (ceeieerue Je<eera .44.03.97 1.58.96 6.74.71.` 25.80.31.69.90 yeg[erle Je mebMeef³ele keÀpesx (ceeieerue Je<eera .

75.64 2.41.49 Jeenves SkeÀtCe 97 1.51 3.14 cetU efkeÀbcele 31.27) 4.82.02 74.97.18.36.21 2.48.05 12.98.29 1.82 75.40 61.16 5.85 1.3.69.25 4.86 19.3. efHeÀkeÌm®eme& HueBì Je ceefMevejer 7.18 4.61 2.42 79.54.97 Jeie&Jeejer DeKesj®eer efJe¬eÀer / Flej yeekeÀer 36.03 15.80 2.41 87.32 4.49.57 .72 20.85.2012 jespeer 31.11 31.10) (40) (3.27 78.47) 19.78 6.09 38.22 2.12.34 15.95.09.47 12.99.97 1.56 4.3.2012 31.43 29.17.26.17.26.51 3.97.31 keøe& DeKesj efJe¬eÀer / Flej 31.23 33.10.31.52 25.04 15.09.2011 31.62.37 3.40.63 1.70 5.49.86.65.68 (15.80) .11 30.86.05 9.72 (67.90.49.97.20 10.81.60 58.47.26) 1.12) (35) (28) (1.17) 15.39 49.46.69.72 (11.68 97.08.62.91.50) 26.83) (30.32 33.98.41st Annual Report 30 Kejsoer 1.10.50.51 21.87) 42.99.30.3.21 53.81 28.06 32.70 (16.89.02) (13.12 jespeer jespeer vesì yuee@keÀ (` npeejele) 4.18 Yee[sleÊJeeJejerue peeies®ee Yeeb[Jeueer Ke®e& Dee@eqHeÀme meecegie´er FueskeÌì^erkeÀue eqHeÀìerbipe mebieCekeÀ Je Flej meecegûeer 5.00.09.29.91.38 9.17.86 HegmlekeÀer efkeÀbcele HegmlekeÀer efkeÀbcele 31.92 1.15 5.10.2011 DeeefCe veblej HetJeer& jespeer ®eeuet yeekeÀer ûee@me yuee@keÀ peceerve Je Fceejle ceeueceÊes®es JeCe&ve HeefjefMe<ì M: mLeeJej ceeueceÊee .2011 3.67) (31.84 8.20 (2.32.15) 41.66.98 7.97 - 44.3.01.3.67 1.2011 01.3.89 (29.61 HeÀefve&®ej.29 3.18.63 cetU efkeÀbcele 01.47 24.85 1.88 (10.06 9.12 Jeie&Jeejer meeþer He³e¥le Iemeeje (98.62.74 He³e¥le 1.01.74 2.39 2.09 11.03.42.80 46.

30.12.Flej efpeboieer i) efkeÀjkeÀesU ³esCeer ii) uesKeve meecegûeer iii) Deveecele jkeÌkeÀce iv) ve JeeHejuesues mì@cHmed v) mesJeekeÀj / mesveJn@ì ³esCes vi) peeiesmeeþer Deveecele jkeÌkeÀce vii) DeeieeT ÖeÀb@keÀerRie Ke®e& viii) ef[HeÀ[& ì@keÌme De@mesì ix) HeÀ@ejskeÌme Hegvecet&u³eebkeÀve lejleto x) DeeieeT kesÀuesuee Ke®e& xi) DeeieeT Yejuesuee Dee³ekeÀj xii) Dev³e ³esCeer xiii) Flej ceeueceÊee xiv) HeÀ@ejskeÌme Flej efpeboieer HeefjefMe<ì O .41.38 HeefjefMe<ì N .54 63.67 75 8.50 2.29.58 1.89 913 1.89 1.43 27.88.37.16.60.28.09.45 63.60.keÀe@mì Dee@HeÀ De@efkeÌJeefPeMeve veJepeerJeve veeiejer menkeÀejer ye@BkeÀ efue.74 29.22.60 3.56.56 2.16.63.26.01 19.29 54.63 16.98.93 32.92 94.29.HeefjefMe<ì (` npeejele) 31 cee®e& 2012 jespeer 31 cee®e& 2011 jespeer SkeÀtCe 44.36 58.88.41.57 69.59 2.02 1.99 91.01.26.53 1.mebYeeJ³e osCeer i) ye@BkeÀ nceer He$es ii) Hele He$es iii) He@ÀejJe[& SkeÌme®eWpe keÀe@vì^@keÌmed SkeÀtCe 31 41 Jee Jeeef<e&keÀ DenJeeue .33 48.44 SkeÀtCe 2.45.00 3.75.78 4.89 0 74.76 26.98.80 1.89 0 1.92 94.10 83.41.25.45. HeefjefMe<ì P .99 29.50 3.09 99. Þeer meodieg© pebieueer cenejepe menkeÀejer ye@BkeÀ efue.26 48.14 54.51 45.86.04.49 1.51.30.

81 1.16.04.92 86.08.58.45 16.29.79.13 (10) Depreciation on Fixed Assets (14) Loss on sale of Assets (15) Bank charges (16) Clearing and Encoding Charges (17) Security Charges (18) Contractual Expenses Balance c/f 41st Annual Report 32 .75 74.27 11.77 2.90.PROFIT AND LOSS ACCOUNT FOR EXPENDITURE Year ended 31 Mar 2012 Year ended 31 Mar 2011 2.11 (12) Printing and Stationery 1.19 1.45.65 1. Telegrams and Telephone Charges 2.01 18.71.59 (8) Audit Fees 89.09.10 (13) Advertisement 3.05 (11) Amortisation of Premium on Securities 2.50 2.29 2.84.36 79. Insurance and Lighting (5) Legal and Professional Charges (6) Postage.59 10.07 1.11 11.13 31.15.04 67.94 3.35.15.29 (1) Interest on Deposits and Borrowings (2) Salaries and allowances (3) Directors and local committee members’ fees (4) Rent.21 1.76.96 3.90.16 (20) Bad debts Written Off 1.88.18.41.71 3.93 31.23.89 75 1.11.84.61.82 (9) Repairs and Maintenance 3.33 2.58.54 (7) Travelling and Conveyance 1.39. Rate.59 3.78 4.50.30. Taxes.68.11 77.34.66 74.74 96.76.09.97 59.97 (19) Other Expenses 4.29.68 51.

12.16 6.85.31.23 (5) Rent on Safe Deposit Lockers 1.02 2.75 (8) Written off Bad Debts recovered 1.41.92 1.83 85.09.25. Exchange and Brokerage 9.41.95 (6) Income from sale of securities 96.24.77 26.34 14.77 1.12 3.10 INCOME (1) Interest on Advances (2) Interest on Investments (3) Dividend on shares Balance c/f 33 41 Jee Jeeef<e&keÀ DenJeeue .29.06 (7) Other Income 17.THE YEAR ENDED 31ST MARCH 2012 (` in Thousands) Year ended 31 Mar 2012 Year ended 31 Mar 2011 2.72.07 1.65.71 4.58.80.34.28.01.59.49 5 5 (4) Commission.09 (9) BDDR Written Back 1.42.66.19.96 3.86.

Iyer.34 49.17 24. Patki.PROFIT AND LOSS ACCOUNT FOR Year ended 31 Mar 2012 Year ended 31 Mar 2011 3.44 5.20.00 4.83. Apte.90.00 ii) Expenditure Provision & Contingencies 4.79.00 6. R. Date CHAIRMAN VICE CHAIRMAN . Menon. Shri M.00 0 3.63 72.94 2. Agarwal. 1961) C) Amortisation of Cost of Acquired Banks Navjeevan Nagari Sahakari Bank Ltd.23.36.25. D. B.37. N. D. P.00 1.25. Shri V. K. Thakur. Shri Vinodkumar Bansal 41st Annual Report 34 .12 3.00.80 50.30. M.57. Mrs.05.00 Deferred Tax (2.41.65.00 EXPENDITURE Balance b/f (21) PROVISIONS AND CONTINGENCIES A) Bad & Doubtful Debts iii) Provision for Miscellaneous Assets B) Special Reserve (u/s 36(1) (viii) of Income Tax Act. D. Khutade. Shri R.85.25.26 Income Tax 27.59 4.75.33 2.00 57. Shri N. Shri P.80.13 i) Amount Provided for Bad and Doubtful Debts 7. V.88) (1.09. Mandge.16 58.25.33) NET PROFIT 60.09. Shree Sadguru Jangli Maharaj Sahakari Bank Ltd. D) Contingent Provision against Standard Assets (22) PROFIT BEFORE TAX 84. Shri R.Directors Mrs.33 2.00.01. Vaishampayan Shri B. Shri C.25.20 5.10 TOTAL Shri V. A. Kanani. K. A.

No.THE YEAR ENDED 31ST MARCH 2012 (` in Thousands) Year ended 31 Mar 2012 Year ended 31 Mar 2011 Balance b/f 4.12 3.01. R.25.80.10 TOTAL 4. 042744 Firm Reg.80.Karandikar Partner Statutory Auditors Mem.85. No.12 3.85. M.01. 104355w 35 41 Jee Jeeef<e&keÀ DenJeeue .25.10 INCOME As per our report of even date annexed For JOSHI & KARANDIKAR Chartered Accountants For TJSB Sahakari Bank Limited Shri S. Utekar Chief Executive Officer Shri V.

00 Charitable Fund . N.57 Members Welfare Fund 10.40.00. R.00 10. Shri R.65 10 13 60.09. Vaishampayan Shri B. K. K.25 General Reserve 19.76 Ex-Gratia to Employees 3. D.10% 6. Khutade.1% 60.00 Dividend to Shareholders @ 15% 9.57 Contingency Reserve . Thakur.42.00 Investment Fluctuation Reserve 5.09.00 7.57.50. Patki. Shri R. D. Shri C.78 PARTICULARS Appropriations subject to AGM approval NET PROFIT CARRIED TO BALANCE SHEET TOTAL Shri V. Agarwal.02.37 49.00.50 24.50 4. Apte. Mrs.01.00 4.09 49. V.1% 60.57.59. Shri N. Shri Vinodkumar Bansal 41st Annual Report 36 . Mandge. Shri M. Shri V.29 2. Iyer.95.20.47 49.65. B.00 Co-operative Education Fund .PROFIT AND LOSS APPROPRIATION ACCOUNT Year ended 31 Mar 2012 Year ended 31 Mar 2011 Statutory Reserve Fund 15. Shri P.50.90 5.Directors Mrs. M. A. Kanani. A. P.50 60. Menon. Date CHAIRMAN VICE CHAIRMAN . D.09 49.

59 13 19 60. M. 042744 Firm Reg.34 49.57.78 For TJSB Sahakari Bank Limited Shri S. 104355w 37 41 Jee Jeeef<e&keÀ DenJeeue .09. Utekar Chief Executive Officer Shri V. No.Karandikar Partner Statutory Auditors Mem.FOR THE YEAR ENDED 31ST MARCH 2012 PARTICULARS Profit b/f Profit of last year TOTAL As per our report of even date annexed For JOSHI & KARANDIKAR Chartered Accountants (` in Thousands) Year ended 31 Mar 2012 Year ended 31 Mar 2011 60.09. No.47 49. R.57.

Shri P.28.00.01. Shri N. Khutade.44. Kanani. K.34.53 14. Shri M.11 34.06 55.21 3.97.64 (9) OTHER LIABILITIES E 2.30.50 26.88.66. Thakur.08 (2) RESERVE FUND AND OTHER RESERVES B 4.71.Directors Mrs.33 (8) INTEREST PAYABLE 18.12.69. Menon.47 (10) AMORTISATION RESERVE F 29.10. B. Iyer.11.BALANCE SHEET AS ON Schedule CAPITAL & LIABILITIES As on 31 Mar 2012 As on 31 Mar 2011 (1) CAPITAL A 72.38 GRAND TOTAL CONTINGENT LIABILITIES P Shri V.87. Shri C.60.14 (4) BORROWINGS D 2.31.52 54. K.37 1.58.13 (11) PROFIT & LOSS G 10 13 54. V.76.28. A.92 43.28 2. D.31 (3) DEPOSITS AND OTHER ACCOUNTS C 43. Mandge.11.05 17. Agarwal.86 (5) BILLS FOR COLLECTION BEING BILLS FOR RECEIVABLE (as per Contra) 49.15. A. Date CHAIRMAN VICE CHAIRMAN .24.97.43. Mrs. Vaishampayan Shri B.89. P. D. Apte.73.47 1.58 1.37.48. N.59.55.29. Shri R. M. D. Shri R.46.01. Shri Vinodkumar Bansal 41st Annual Report 38 . R. Patki. Shri V.19 (6) BRANCH ADJUSTMENTS 0 0 (7) OVERDUE INTEREST RESERVE 50.

31ST MARCH 2012 (` in Thousands) Schedule PROPERTY & ASSETS As on 31 Mar 2012 As on 31 Mar 2011 (1) CASH AND BANK BALANCES H 2.81 (5) ADVANCES K 26. M.45.35 19. 104355w 39 41 Jee Jeeef<e&keÀ DenJeeue . R.12.92 54.19 61.97.85 (6) INTEREST RECEIVABLE (a) on Investments and Staff Loan (b) on Advances (considered bad & doubtful of recovery) (as per Contra) (7) BRANCH ADJUSTMENTS (8) BILLS RECEIVABLE BEING BILLS FOR COLLECTION (as per Contra) (9) FIXED ASSETS (10) CAPITAL WORK IN PROGRESS (11) OTHER ASSETS N 1.05 17.60 1. Utekar Chief Executive Officer Shri V.15.55.26.18.06 L 67.44 (12) COST OF ACQUISITION O 29.92 43.87.38.62.26.82 62.88.45.88 49.37.16.62.00.89 (2) BALANCES WITH OTHER BANKS I 5.65.10.76.Karandikar Partner Statutory Auditors Mem.28 M GRAND TOTAL As per our report of even date annexed For JOSHI & KARANDIKAR Chartered Accountants For TJSB Sahakari Bank Limited Shri S.89.49. 042744 Firm Reg.89.22.26.50 32.72 49.47 50.47 8.57.52 55.28.29.17 4.33 38.01 13.40 2. No.40.44.24 2.91.48.46. No.68.09.12 (3) MONEY AT CALL & SHORT NOTICE/CBLO 0 0 (4) INVESTMENTS J 16.39 54.09.

24.82.35 60.72.11 34.55 8.90 42.10.15 29.73 1.06 55.14 .76.SCHEDULES SCHEDULE A . Subscribed and Paid-up Capital 1.05.01.59.78.DEPOSITS AND OTHER ACCOUNTS I Current Deposits i) Individuals ii) Other societies Total II Savings Deposits i) Individuals ii) Other societies Total III Term Deposits i) Individuals ii) Other societies Total IV Matured Deposits Total (I+II+III+IV) 41st Annual Report 40 (` in Thousands) As on 31 Mar 2012 As on 31 Mar 2011 2.44.00 44.81.59.02.19 80.82.17.00.11.81 17.46.00.81.53.00 87.90 32.00.81.23 4.49.11.41 2.20.14.52 2.75.24.61 30.126 Shares of ` 50/.00.58 80.38 24.54.99 9.58.86.42.22.73.10 22.87.37 8.96 22.38.40.27.03.02.27 1.90 37.00.65 32.53.00 44.95.68.07.08 2.69.26.61.000 Shares of ` 50/.66.22 7.00.20 8.78.86.35 52.24.12.54 13.00 53.46 0 1.79 2.CAPITAL Authorised Capital 4.16 5.82.46 98.each Issued.84.44.00 2.89.06 24.00.31 2.21 3.13 9.81 11.97.RESERVE FUND AND OTHER RESERVES i) Statutory Reserve ii) Building Fund iii) Bad & Doubtful Debts Reserve iv) Contingent Provision Against Standard Assets v) Investment Fluctuation Reserve vi) Investment Depreciation Reserve vii) Members Welfare Fund viii) General Reserve ix) Building Revaluation Reserve x) Special Reserve u/s 36 (1)(viii) of Income Tax Act 1961 xi) Provision for Bad & Doubtful Investments xii) Charitable Fund xiii) Contingency Reserve Total SCHEDULE C .each SCHEDULE B .14 1.02.08 9.72.71.29.59 24.00 72.78.00.14 29.00 85.02 64.46 4.44 43.00.01.96 1.24.

80 22 2.42. Total 41 As on 31 Mar 2012 As on 31 Mar 2011 61.69.83 76.66.79 10.65.06.13 28.47 2.OTHER LIABILITIES i) Sundry Creditors ii) Surcharge Payable (Recovery) iii) Provision for Expenses iv) Advance comm.30 6.22 59.31.29 12 38.06 4.86 2.32.89 1. on Hsg.[ Acquired Banks ] xv) Provision for Miscellaneous Assets xvi) MVAT Payable xvii) Ex-gratia xviii) Staff Interest Reserve Account xix) NFS Settlement Account xx) Provision for Leave Encashment xxi) Co-operative Education Fund xxii) Forex Deal Revaluation Provision xxiii) Balance with correspondents .53 32.65.91.64 49.30.38 12.06 1.39 5. Loan v) Payslip Payable vi) Draft Payable vii) Share Suspense / Nominal Membership fee viii) Contingent Provision for Depreciation in Investments ix) TDS Payable x) Service Tax Payable xi) Loan Clearing Adjustment / Clearing Adjustment xii) Provision for Income Tax xiii) Unclaimed Dividend xiv) Share Collection Account .54 29.09 15.89.74 2.76 26.27 0 52.37 1.30.20.AMORTISATION RESERVE i) Navjeevan Nagari Sahakari Bank Ltd.58.13 41 Jee Jeeef<e&keÀ DenJeeue .40.59 23.94.41.29 10.84 42.00 17.05.78 3. ii) Shree Sadguru Jangli Maharaj Sahakari Bank Ltd.53.50 26.42.SCHEDULES (` in Thousands) SCHEDULE D .84 6.59.18 8. recd.88.44 0 2.12.91 26.09.41.25.77 48.10.34.80 1.24 16.46.55.52 5 36.57 0 0 2.29.67.73.30 1.01.08 8 5.85 3.97.EEFC A/c Total SCHEDULE F .42 1.77 48.78 1.69 0 90.89 0 2.98.73 8.05.46.38 7.47 1.20 60.81.BORROWINGS i) Refinance from National Housing Bank ii) CBLO Borrowings iii) Overdraft against Fixed Deposit Total SCHEDULE E .38 86.38 10.40. on franking / Advance int.

27.17.SCHEDULES (` in Thousands) As on 31 Mar 2012 As on 31 Mar 2011 21.22.92.07.49.00 2.93 8. Institutions iv) Bonds & NCDs v) Certificate of Deposits Total 41st Annual Report 42 .15.69 2.67.41.96 2.30.63 0 44.81 SCHEDULE G .68.97.60.66.89.33.71 3.80 17 8 8.79.CASH AND BANK BALANCES i) Cash in Hand Current Deposits ii) Balances with Reserve Bank of India iii) Balances with SBI and Nationalised Banks iv) Balances with State Co-operative Bank v) Balances with District Central Co-operative Banks vi) Balances with other Banks vii) Balances with Banks abroad Total SCHEDULE I .41.26.95.19.26.74 0 44.12 5.INVESTMENTS i) Government Securities ii) Other Trustee Securities iii) Shares in other Co-op.20.42 1.85.24 2.09.12 13.11 1.89 1.58 8.75 2.10.01 13.65.78 2.95 23.73 1.19.74.00 2.13.BALANCES WITH OTHER BANKS i) Fixed Deposit with State / District Central Co-op Banks ii) Fixed Deposit with SBI and Nationalised Banks iii) Fixed Deposit with other Banks Total SCHEDULE J .48 14.92.58 0 11.58.57.78.09.69 2.55.17 4.66.06.01 16.14.00 2.20 10 3 5.PROFIT & LOSS Refer to Profit and Loss Appropriation Account and Note in Notes to Accounts SCHEDULE H .55.97.

Y.82 7.70.40.Y.18.45 10.47 55.05.14 10.Y.86. ` 19.33 32.INTEREST RECEIVABLE i) On Investments ii) On Staff Housing Loans Total 43 41 Jee Jeeef<e&keÀ DenJeeue .83 15. amount due from individuals [P. amount overdue [P.84.05 Considered Bad and Doubtful of recovery [P.18.34.71.98.06 62.69.39.26.22 10.78.46.06.62.36 8. ` 23.91] [Fully Provided for] 1. overdrafts and bills discounted a) Govt.28.22.78.42.03 12.91 19.12.85 6.97 1.80.04. ` 25.57 2.69.03.74.64.62] 26.35 [Fully Provided for] Total (I) Medium Term Loans of which secured against a) Govt.11 4.87 20.32 25.94.62. and Other Approved Securities b) Other Tangible Securities c) Unsecured Advances / Surety Loans with or without Collateral Securities Of the advances. ` 24.51] Of the advances.Y.31] [Fully Provided for] 4.87.16] Of the advances.67 4.53 14. ` 83.Y.26.27 SCHEDULE L . ` 1.63.39 Total (II) III a) b) c) Long Term Loans of which secured against Govt.Y. amount overdue [P.23.70 4.16.94. ` 4.43 Of the advances.73] 53.80.39 SCHEDULE K .97] 1.37 82.88.77 3.15.69 67.Y.65] Considered Bad and Doubtful of recovery [P.62.34.48] Considered Bad and Doubtful of recovery [P.90 1.67.51.03. amount overdue [P.98.76. ` 24.Y.31.58.73.91.71.44. ` 30.78.96.29 4. amount due from individuals [P.13.05 8.44.28.33.15 7.19 4. and Other Approved Securities Other Tangible Securities Unsecured Advances / Surety Loans with or without Collateral Securities Of the advances.79.90 17.84 3.ADVANCES I II Short term loans.28 51. cash credits.43. and Other Approved Securities b) Other Tangible Securities c) Unsecured Advances / Surety Loans with or without Collateral Securities Of the advances.79.46.58.51 Total (III) 10.SCHEDULES (` in Thousands) As on 31 Mar 2012 As on 31 Mar 2011 3.52 Total (I)+(II)+(III) 26.96 10.33.21.Y.37.45. amount due from individuals [P.35 19.62.

31 WDV as on WDV as on 31.03.62.51 - 46.69.2012 Closing Balance - Sale/Other Adjustments GROSS BLOCK LAND & PREMISES ASSET DESCRIPTION SCHEDULE M .47 19.40.09 38.11 30.80 2.69.29 3.63 (28) (67.46.83) (35) 19.84 8.26.52 3.00.74 (15.92 1.10.17.02 2.01.25 4.27) Upto Cost as on 31.02) (13.32 (29.36.72 29.03.03.3.2011 31.32.14 3.21 53.2011 31.97 1.21 2.15 5.90.50) 9.38 9.09 78.10.2012 DEPRECIATION 49.41 87.20 10.17.26) (16.26.89.70 5.68 97.85 97 1.17.2011 Opening Balance 15.40 33.82 75.05 4.49 OFFICE EQUIPMENTS CAPITAL EXPENDITURE ON RENTAL PREMISES VEHICLES TOTAL ELECTRICAL FITTINGS 3.62.48.10) 26.89 7.42 79.95.86.51 24.47 12.09.99.20 (3.03 (31.39 58.29.81 15.97.23 (1.64 21.18 74.66.86.08.98.74 2.2011 01.80 1.18 28.06 32.29 COMPUTER & PERIPHERALS 5.54.98 7.56 4.05 1.85 1.37 (40) (98.82.61 2.50.03.67 1.32 33.12) 42.68 2.31.16 5.97 36.2011 01.87) (11.61 FURNITURE & FIXTURE PLANT & MACHINERY 1.03.67) (2.FIXED ASSETS 11.78 6.15) 41.49.63 Cost as on Before On or After 31.43 31.91.39 2.80) - For the year Sale/Other ended Adjustments 31.81.04 15.34 15.12.86 44.41.98.47) (10.88 4.27 4.72 61.49.18.75.2012 NET BLOCK (` in Thousands) .86 12.51 3.41st Annual Report 44 Addition 1.62.70 4.97.65.72 20.01.49.47.30.91.57 1.22 42.99.97 1.60 10.2012 Upto (30.18.97.85.03.17) 25.06 9.09.09.3.

41.59 2.93 29.16.89 0 74.50 2.22.SCHEDULES (` in Thousands) SCHEDULE N .02 1.36 58. Total SCHEDULE P .COST OF ACQUISITION (i) Navjeevan Nagari Sahakari Bank Ltd.01 19.89 1.16.58 1.00 3.50 32.51.14 54.92 94.41.67 75 8.86.56.26 48.89 0 3.12.60 1.13 1.63.28.98.99 91.29.41.30.89 9.51 45.49 1.10 83.26.29.92 94.78 4.33 48.98.37.OTHER ASSETS i) Sundry Debtors ii) Stock of Stationery iii) Security Deposits iv) Unused Stamps v) Service Tax / CENVAT Receivable vi) Deposit for Premises vii) Advance for franking viii) Deferred Tax Asset ix) Forex deal revaluation provision x) Prepaid Expenses xi) Advance Income Tax xii) Other Receivables xiii) Miscellaneous Assets xiv) Forex current assets Total SCHEDULE O .80 1.99 29.88.57 69.56 2.76 26.26.30.88.53 1. (ii) Shree Sadguru Jangli Maharaj Sahakari Bank Ltd.60.75.45.29 54.63 16.38 41 Jee Jeeef<e&keÀ DenJeeue .01.43 27.CONTINGENT LIABILITIES i) Bank Guarantees ii) Letter of Credit iii) Forward Exchange Contracts Total 45 As on 31 Mar 2012 As on 31 Mar 2011 44.09.74 3.09 99.25.04.54 63.45 63.45.44 2.60.

2012 I. 4. The Outstanding spot and forward contracts are revalued at the rates notified by FEDAI. E. 5. Appreciation/ Depreciation are aggregated for each class of securities and net depreciation in aggregate for each category as per RBI guidelines is charged to Profit and Loss account. 2. Investments under “Held to Maturity” (HTM) category are carried at Book Value. Basis of preparation: The financial statements of the Bank have been prepared in accordance with the generally accepted accounting principles in India. and applicable statutory provisions under the Banking Regulation Act.e. is determined on the basis of the “Yield to Maturity” (YTM) method as indicated by Primary Dealers Association of India (PDAI) jointly with the Fixed Income and Money Market Derivatives Association of India (FIMMDA). Doubtful and Loss assets as well as provisioning on Standard Advances and Non-Performing Advances has been arrived at in accordance with the Income Recognition. if any. 1949 & Multi State Cooperative SocietiesAct. The resulting profits/losses are included in Profit & Loss account as per FEDAI/RBI guidelines.st Notes to financial statements for the year ended 31 March. 2002. Net appreciation. 2. requires management to make estimates and assumptions that affect the reported amounts of assets. Market Value. 3. Sub-standard. except of change in accounting policy as explained in notes forming part of Accounts. Summary of significant accounting policies: A. The premium paid. revenues and expenses and the disclosure of contingent liabilities at the end of the reporting period. The Contingent liabilities on account of foreign exchange contracts and other obligations denominated in foreign currency are disclosed at closing rates of exchange declared by FEDAI. The accounting policies adopted in the current year are consistent with those of previous year. under each classification has been provided for. The classification of advances into Standard. uncertainty about these assumptions and estimates could result in outcomes requiring a material adjustment to the carrying amounts of assets or liabilities in the future periods. The Bank is not holding any investments under Held for Trading (HFT) category. 3. liabilities. July 19. Advances: 1. B. 2010 as authorized dealer under AD Category-I licence issued by RBI and the following accounting policy has been adopted by the bank for recording foreign currency transaction: 1. Net depreciation. All foreign exchange transactions are accounted for at the ongoing market rates prevailing on the date of transactions. is ignored.Although these estimates are based on management's best knowledge of current event and actions.f. Use of Estimates: The presentation of financial statements are in conformity with generally accepted accounting principles. Investments other than in those held against Term Deposits with Banks / Institutions / Mutual Fund / Certificate of Deposits and Shares of Co-op Institutions are classified into “Held for Trading” (HFT). if any. “Available for Sale” (AFS) and “Held to Maturity” (HTM) categories in accordance with the Reserve Bank of India (RBI) guidelines on Classification and Valuation of Investments for Primary (Urban) Co-operative Banks. Investments under Available for Sale category are valued scrip-wise at lower of Cost or Market Value. Foreign Exchange Transactions: The Bank started its foreign exchange operations w. if any. on the investments under this category is amortised over the residual life of the security as per guidelines of RBI and Policy adopted by Bank. D. The financial statements have been prepared following the going concern concept on an accrual basis under the historical cost convention. has been ignored. Net appreciation. The Bank has prepared these financial statements to comply in all material respects with the accounting standards issued by the Institute of Chartered Accountants of India (ICAI). Assets Classification . All profits/losses due to revaluations are recognised in the Profit & Loss account. except for land and building acquired on merger with Navjeevan Nagari Sahakari Bank Ltd. where market quotes are not available. Investments: 1. C. to the extent applicable. Pune which is carried at revalued amount. Monetary foreign currency assets and liabilities reflected in the Balance sheet on the date are at the rates notified by Foreign Exchange Dealers Association of India (FEDAI). if any.

1961 and rules framed thereunder. connection is installed. Employee Benefits: 2. 1. The deposit for services like Telephone. Deferred tax is measured using tax rates and tax laws enacted or substantially enacted at reporting date. 2. Ex-Gratia is appropriated out of Net profit in accordance with the Multi-State Co-operative SocietiesAct. Segment Reporting is made as under : 2. 2. The unrealized interest in respect of advances classified as Non-Performing Assets is disclosed as “Overdue Interest Reserve” as per Reserve Bank of India directives. FixedAssets: I. Deferred tax assets are recognized for deductible timing differences only to the extent that there is reasonable certainty that sufficient future taxable income will be available against which such deferred tax assets can be realized. The payment of Provident Fund is made to the Commissioner for Provident Fund at rates prescribed in the Employees Provident Fund and Miscellaneous Provisions Act. The bank has provided for leave encashment as per actuarial valuation as on March 31. Lease payment: Operating lease payments are recognized as an expense in the Profit & Loss account on a straight line basis over the lease term.and Provisioning Norms prescribed by the Reserve Bank of India from time to time till date. 2. locker rent and Dividends received from shares of co-operative institutions and mutual funds are accounted on receipt basis. 3. 1952 and is accounted for on accrual basis. Furniture & Fixtures. The stamp duty and registration fees paid for premises acquired on lease are expensed out to Profit and Loss account. J. 5. 4. 4. The expenses of this segment consist of interest expenses on funds borrowed from external sources as well as internal sources and depreciation /amortisation of premium on investments. Treasury includes all investment portfolio. Vehicles are depreciated at 30% on straight line basis. The depreciation on assets acquired prior to 1st October is provided for the whole year otherwise the same are depreciated at 50% of the normal rates except depreciation on vehicles which is provided for full year in the year of acquisition irrespective of date of acquisition. 1. The income on Non-Performing Assets is recognized on realisation as per Reserve Bank of India directives. G. HDFC and is maintaining fund under trust deed with Life Insurance Corporation of India (LIC) for gratuity payments to employees.33% as directed by RBI. 1. Plant & Machinery and Capital Expenditure on Rental premises are depreciated on Written down Value method. Computers & Peripherals are depreciated on Straight Line method @ 33. Deferred tax liabilities are recognized for all taxable timing differences. 2012. Electricity etc. Taxes on Income : 1. paid to concerned authorities are written off as expenditure in the year in which the relevant service. In accordance with the guidelines issued by RBI. L. profit / loss on foreign exchange transactions. 3. Deferred income tax reflect the impact of timing differences between taxable income and accounting income originating during the current year and reversal of timing differences for earlier year. F. Computers & Peripherals used for providing technological services are depreciated over the period of contract. 2. The commission on Letters of Credit / Guarantees. 2002. profit / loss on sale of investments. equities and money market operations. The bank has taken Unit Linked Insurance policy from 47 41 Jee Jeeef<e&keÀ DenJeeue . H. Tax expense comprises of current and deferred tax. Revenue recognition: Income is accounted on accrual basis as and when it is earned except for: K. Premises. The premium / contribution paid to HDFC and LIC to meet gratuity liability is debited to Profit & Loss account. Segment Reporting: 1. Earnings per share: Basic earnings per share are calculated by dividing the net profit for the period after tax (after appropriation of Statutory Reserves) by weighted average number of equity shares outstanding during the period. Current Income Tax is measured on the basis of estimated taxable income for the year in accordance with the provisions of Income Tax Act. Other banking operations include all other operations not covered under Treasury Operations. 3.

00.000 37.24. Regrouped figures as on March 31.2011-12 Previous year balance 1.944 1. the Bank has changed the policy to charge depreciation over the period of the contract as against earlier policy of charging depreciation @ 33.817 6. 5. during the year 2011-12.944 Figures as per Balance Sheet as on March 31. In order to match the revenue earned to the cost of depreciation.327 3.67 lacs and correspondingly the WDV of fixed assets under the head “Computers & peripherals” would have been lower by ` 5.00 a.65.59.09.193. Depreciation on Vehicles: The earlier policy of the Bank was to charge depreciation on st vehicles acquired prior to 1 October for the whole year and to charge depreciation at 50% of the normal rates on vehicles st acquired after 1 October.15.379. the appropriation of profits for the year ended March 31.342.24 lacs and correspondingly the WDV of fixed assets under the head “Vehicles” would have been higher by ` 4.47. through appropriate regroupings.79. 2011 Had the Bank continued to use the earlier policy of charging depreciation on vehicles @ 50% of the normal rates for assets st acquired after October 1 then.00 lacs for jointly controlled assets at 'TJSB House' alongwith the 48 .15 60.50.09.000.09. Depreciation for assets used for Information Technology services provided to other Banks: The assets used for Information Technology services are given to other Banks and they are capitalised under the category “Computers & peripherals”.Y.342.327 52.00 9 Ex-Gratia to Employees 3.34.51.00 3 4 Investment Fluctuation Reserve Dividend to Shareholders – 15 %.86. The fixed asset block for “Plant and Machinery” includes proportionate share paid by the Bank aggregating to ` 108.50. 9.91.Pro-rata 5 Charitable Fund – 1 % 60.90.67 lacs.00 7 However.00. 2012 itself.09.01.00. The effects of these appropriations were thus included in the Financial Statements of the next financial year.15.59.II.000 2.46.33% on a straight line basis. the debit to Profit and Loss account before tax would have been lower by ` 4.00.24.000. The tenure of the services varies from contract to contract.74.85. Change in accounting policies: Amount in ` Net Profit for F. the bank had been following the practice of accounting for the appropriation of the profits of the respective year in the subsequent financial year after their approval at the Annual General Meeting (AGM). Notes to financial statements for the year ended 31 March.94 Total Profit available for appropriation Appropriations 60. 2011. Contingency Reserve-10% 6. 2012 are shown below - 41st Annual Report 1.000 6.15 For the sake of comparison.00 6 Members Welfare Fund 10. the Bank has changed the previous practice of disclosure and given effect to the funds to the appropriation of profits for the current year in the financial statements for the year ended March 31.01.000. Particulars 60.00. 2011 (which was duly approved by the th shareholders in the 40 AGM held on June 5. irrespective of the date of purchase before or after 1 October.817 49.00 TOTAL b.47.09. as per the revised practice.695.000.61.81.02. the bank changed the policy and depreciation is charged for the whole year in the year of st acquisition.57. the debit to Profit and Loss account before tax would have been higher by ` 5.46.79.234 5.23.00 Co-operative Education Fund-1% 8 Balance carried to next year Had the Bank continued with the earlier policy of charging depreciation @ 33. 2012 st Particulars Reserve Fund General Reserve Investment Fluctuation Reserve Dividend to Shareholders Charitable Fund Members Welfare Fund Co-operative Education Fund Contingency Reserve Ex-Gratia to Employees A.229 32.29. No.000 11.00 2 General Reserve 19. 2011) have been reported in the previous year's column of the Financial Statements for the current year.24 lacs.15 1 Reserve Fund 15.00.46.000 98.000.000 7.000.81.000.33% on a straight line basis. vis-à-vis reported figures in previous year's Balance Sheet as on March 31.60.00 9.379. other funds and liabilities as on the date of Balance Sheet.185.21 13.000 71.34. To provide the shareholders a true and fair value on the face of the Balance Sheet of Reserves. The current year's regrouped figures as on March 31. 60. subject to approval at theAGM.02.000 88.50.47. 2. Appropriation of Profit: In the past. Tangible FixedAssets: ProposedAppropriations : Sr. 2011 B.

32.679.922 (Previous year ` 1.232. 2012 Shree Sadguru Jangli Maharaj Sahakari Bank Ltd.82 (3.49 1.63 57.342) lodged as margin money to secure overdraft limits / issuance of guarantees in respect of correspondent business. In accordance with the merger order passed by the Office of the Commissioner for Cooperation and Registrar of Co-operative Societies. whichever is least.61.39 Cost of Acquisition as on April 01.44.228 16.11.00% 41 Jee Jeeef<e&keÀ DenJeeue .922 2.60 7.S.73 2. Prior period incomes credited to Profit and Loss account are as follows: Particulars Interest on Investment Commission Income Depreciation on Computers & Peripherals Depreciation on Land & Building (impact of transfer of depreciation to revaluation reserve) IT Consultancy income Total During the year.Y.961.61.58.404.21.33% on straight line method as per the directives of RBI.16.244.328.86 Particulars March 31.60% 5.000) Bank has contributed ` 2.95. Prior Period items: Computer software is amortised @33. 2011 Net Adjustments on settlement / closure of assets / liabilities Cost of Acquisition as on March 31.901 (Previous year `1. aggregating to ` 23.395.13 5. State.72.340.97.74. 2012 Amortisation Reserve as on April 01.90 26.198.250.62.16.89.998.60% 5.18.54.04.00% Leave Encashment 31st March 2012 8.03.000) on such transfer is charged to Profit and Loss account.59.2011-12 Amortisation Reserve as on March 31.84.01.91.49 1.00) (3.21.86.70.774.789 1.82 F.48 4.03.30.67 18. (SSJMSB) 29.2011-12 are as under: (Amount in `) C. the Bank had acquired The Navjeevan Nagari Sahakari Bank Ltd.65.76.41. 2012 is ` 81.903.93 18.279 Particulars Incentive to Employees Forex Deal Provision Spot / Swap Municipal Taxes Lease rent Provision for Leave Bank Scheme Total D.63 2. Bank has sold securities held under AFS category.961.63 The Navjeevan Nagari Sahakari Bank Ltd (NNSB) 3.00 4.41. The written down value of the said assets as at March 31.40. and the depreciation of ` 44.57.77.264 16.Y.31.60.19.96. Amount in ` 47.579).54.000.000 (Previous year ` 50.other owners of the building.87.596.939 6. Amount in ` 4. Employee Benefits: Fixed Deposits with other Banks include deposits aggregating to ` 27. Pune and Shree Sadguru Jangli 49 Assumptions Discount Rate Rate of increase in compensation 8.438.764) towards Provident Fund.37.250.56 98. In accordance with RBI norms.68 2.00 lacs.82 23.236.2007-08.963.654 26.88 3.75.72.41.000) on sale has been credited to Profit and Loss account in accordance with RBI guidelines.762 (Previous year ` 21.00. transfer of securities is done at acquisition cost/ book value / market value on the date of transfer.56.131 G.30. Actuarial assessment of Gratuity Fund & Leave encashment : Particulars Gratui ty 31st March 2012 E.16.75.000 21. The effects to Cost of acquisition and Amortisation Reserve for the F.53.51.14 2. Maharaj Sahakari Bank Ltd. Bank has shifted securities from Available for Sale category to Held to Maturity category and also from Held to Maturity category to Available for Sale category.209 2.967.27.67.16.21 2.59.00 6. Prior period expenses debited to Profit and Loss account are as follows: The said block of “Computers & peripherals” includes banking applications developed by Neorithm Technologies Inc. The details of which are as follows: (Amount in `) Gross Block Opening Balance Add : Additions during the year Less : Write off / Sale Total Gross Block Closing Balance Amortisation Opening Balance Add : Additions during the year Less : Write off / Sale Total Amortisation Net Closing Balance March 31.42.201.75. The Intellectual Property Rights (IPR) of the applications is jointly owned by the bank and Neorithm Technologies Inc.03.62 1. The profit of ` 96.00) 26.924 2. Intangible FixedAssets: The fixed asset block for “Computers & peripherals” includes Computer Software.000 (Previous year ` 169.963. Pune 411 001 dated July 16.857. 2007 respectively and 'No Objection Certificate' issued by the RBI.92.98.911. 2011 Amortisation for F.53.74.54.98.43.00.09.12. Overdraft limits to meet liquidity risk are secured by fixed deposits of ` 34.99.23.51. Investments: During the year.232.88 1. 2007 and August 18.596. Effects to Cost ofAcquisition of Merged Banks: I During the FY.48.27.377.481 16. M. 2012 6. Pune.64.06.00.23.63.98. 2011 4.736 (Previous year ` 39.

140) 1. 2003.00 48.687.27.942 2.83.24) (47. other than Key Management Personnel.55.50.00) 3.87.07.699.92) (23. 41st Annual Report 6.28. overall organisational structure and internal management reporting system of the Bank.688.29 (22. operates as a single unit in India.81.152.19.62. Utekar.67) Net Profit before Appropriations - - 60.07.Particulars Gratuity 31st March 2012 Changes in present value of obligations Present Value of Obligation as on April 1.99.26) Income Tax - 6.88.00 (41.37.20.74.95) and Appropriations 9.52.30 1.12 (1.95) (3.10) 30.717 - - 54. 2011 Interest Cost Current Service Cost Benefits paid Actuarial (gain)/loss on obligation Present Value of Obligation as on March 31.76.94.79) H.28) Segment Liabilities (19. 2011 32.46.89.13.62 (18.854. Impairment ofAssets: There is no material impairment of any of assets in the opinion of the Bank and as such no provision under Accounting Standard 28 issued by ICAI is required.00) - 84.26.34.26.32.01.66 91.25. the CEO being a single party coming under the category.287 61. 2012 the year 1. issued by the ICAI.88.36.00 9.46.17.926.40.80) (42.90.635 (11. However in terms of RBI circular dated March 29.19.932 1.25.53.66) The Bank is a co-operative society under the Multi-State Cooperative Societies Act.29 29.09.00 (1. Deferred tax Asset Addition / (Reversal) during as at March 31.91.97.60.00.28) Deferred TaxAsset: Deferred tax Asset as at March 31.00 67.437.465.809.85.05.75. L.00 10.488.34. Related party Disclosures: Unallocable Liabilities Total Liabilities Depreciation on Assets Leave Encashment Voluntary Retirement Scheme Lease Rent Payable Net Deferred Tax Asset as at March 31.10.02 ( 10.52.92 (93.46. I.33. 2011 Adjustment to opening plan assets Expected Return on plan asset Contributions Benefit Paid Actuarial gain/ (loss) on plan assets Fair value of Plan Assets as on March 31.38. Satish R.62 (5.83) (38. Mr.2011-12.64.99 61. Capital Commitment : At March 31. The above segments are reported considering the nature of the products /services under attributable risk/returns.700.30.87.57.00 (41.20.Y.00.00 50 .61.43.26.437. the Chief Executive Officer (CEO) of the Bank for F.63 (72.98.703 13.74.24.437.00 Total - - 24.10.68.48.000.08.98. 3.486.66.46.02 (19.21) - - Net Profit before Income Tax - - 85.39.34 (49.90 Total Assets - - 54. The Bank is catering only to Indian customers.62) (43.698.512. hence separate information regarding geographical segment is not given.073 (Previous year ` 2.039 84.22.65 (34.80.92 2.73.66.73 53.00) 4.24.35.15 3.00 Treasury & Forex Segment Revenue 4.85. 2012 K.93.37. Earnings per Share (EPS) : ` 27/M. The previous year's figures are indicated in brackets. 2012 III Changes in fair value of plan assets Fair Value of Plan assets as on April 1.69.27. 2002 and there are no Related Parties requiring a disclosure under the Accounting Standard – 18.26.97) (82.944 2.139.50.00 33.97 4.78.00 41.65.71. 2012 21.52.37.942 83.28.506.853 84.24. Segment Reporting (as perAS17)as at March 31.00) (78.00) 27.76.59) Segment Assets 23.24.82. viz.687.346).11. 2012 and break-up of components are as follows: (Amount in `) Particulars 48.56.05.00.814 - - Notes The Deferred tax asset as at March 31.64. 2012.48.15.95. 23. no further details therein need to be disclosed.88.00 (1.07.88.427 - 24.619.52.72) Unallocable Assets - - 1.00 73.00 Segment Result Unallocated Expenses Other Banking Operations 1.76.43.76.40.56) (43.26.57. 2012 : Leave Encashment 31st March 2012 (` in Thousands) Particulars II 8.00 4.25.84.80.773 4.15) (2.89. J. estimated amount of contracts remaining to be executed on capital accounts amount to ` 2.

01 0 6.836.811.241.35 6.38 6.N. L/Cs etc) Note: Amounts pertains to loans to Directors against Term Deposits 6 162.09 6.256.85 29.62 Total of Tier 1 and Tier 2 Capital 43.056.99 132.36 36.53 1. 2010 a b c 3 Year ended March 31.76 2.BPD.93 0 224.363. UBD.419.74 63.11.600 / 2009-10 dated February 8.83 II a b Net NPAs At the beginning of the year At the end of the year 0 0 0 0 8 51 41 Jee Jeeef<e&keÀ DenJeeue .09 4.No.790.50 4.95 33.257.24 1.10 24.88 Capital to Risk Assets Ratio 15. 1 a b c d e 2 Investments Book Value Face Value Market Value a b c Advance Against Real Estate Construction Business Housing 4 Advance against Shares & Debentures 5 Advance to Directors.(PCB).738.556.13 148.48 4.49 0 0 7.23 35.327.49 160.30% a b NPAs Gross NPAs Net NPAs 6.Cir.953. 2002 Sr.03% 15. Disclosure as per RBI Guidelines : Disclosure norms in terms of RBI circular dt. 30th October.782.953.01 7.49 228.61 134.91 3.42 2. companies firms in which they are interested: a i ii iii iv Fund Based Outstanding at the beginning of the year Additions during the year Recovery during the year Outstanding at the end of the year b Non Fund based (Guarantees.42 188.53 Capital Tier 2 7.79 133.01 4.157.15 Total Risk Weighted Assets 287.739.623.356.811.781. 2012 Particulars ( ` In Lacs) 6.83 0 I a b c d Movement in NPAs Gross NPAs Opening Balance Additions during the year Less: Closed / Recovered / Written Off Closing Balance 6.811.50 63.42 / 09.09% Average Cost of Deposits 7 Year ended March 31.29 158.01 162.085. their relatives.782.194.957. 2011 Movement of CRAR Capital Tier 1 35.856.646.83 1.64% Note: Previous year's ratio has been recalculated based on RBI circular no. no.502.816.

967.26 (Less): Amount written back from Investment Depreciation Reserve (446.388.90 225.68 8. 2011 9.83 0 0 0 Investment Depreciation Reserve Opening Balance Transfer to Expenditure-Provisions & Contingencies (*) Closing Balance 446.35 0 867. 2012 Movements in provisions for Advances Bad and Doubtful debt Reserve Opening Balance Provisions during the year Less:Closed / Recovered / Written Off Less:Adjusted against cost of acquisition of merged bank Closing Balance Contingent Provision against Standard Assets Opening Balance Additions during the year Closing Balance Movements in provisions for Investments (*) Provision for Bad and doubtful Investment Opening Balance Additions during the year (*) Closing Balance Contingent provision for depreciation in Investment Opening Balance Additions during the year (*) Closing Balance DICGC Premium paid upto (*) Expenditure Provision & Contingencies (` In Lacs) Particulars Amount credited to Investments on account of categorisation from AFS to HTM Contingent Provision for depreciation in Investment 44.00 309.00 724.Expenditure Provision & Contingencies 465.90 624.05 6.25% 0.73% 0.46) 0 946.61% 2.30% 704. 30th October.61 625.35 0 44.46 (446.581.Disclosure norms in terms of RBI circular dt.83 912.776.08 8.00 949.39 8.29% 829.46 (500. 9 Profitability : Interest income as a percentage of avg.46) Provision as per P&L .12 218.56 Sep-12 Sep-11 10 a b 11 I ii iii 13 Particulars (` In Lacs) Year ended March 31.581. 2002 Sr.25% 1.00 141. no.14 ii Foreign Currency Assets 4.43 867.71 5.96 388.34% 1.00) 446.22 724.90 44.14 a b c d e f 12 Year ended March 31.80 41st Annual Report 52 .59 7.35 0 44.71 122. working funds Non Interest Income as a percentage of average working Fund Operating Profit as a percentage of Average working Fund Return on Average Assets Business (Deposits + Advances) per employee Profit per employee 9.90 100.46 I Foreign Currency Liabilities 1.65% 2.034.22 725.35 44.83 867.18 8.

00 25564.00 0.00 0.00 0.00 4000.35 (` In Lacs) iii) Repo Transactions Minimum Maximum Daily average Outstanding as outstanding outstanding during outstanding on 31.00 0.MC.17/13.20.17 0. The bank has not undertaken any transaction during the Financial Year 2011-12 Restructured Advances (` In Lacs) Nil Nil Nil Nil SME Debt Restructuring Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Housing Loans Standard advances restructured Sub standard advances restructured Doubtful advances restructured TOTAL No.27 0. of Borrower Amount outstanding Sacrifice (diminution in the fair value) No.00 0.000/2009-10 October 28.00 0.00 Reductions during the above period 0. 2006 (` In Lacs) i) Composition of Non-SLR investments .00 0.01.03.2012 during the year the year during the year Particulars Securities sold under Repo Nil 4433.35 Opening Balance Additions during the year since 1st April 0. of Borrowers Amount outstanding Sacrifice (diminution in the fair value) No.8/16.00 0.Bonds & NCDs No.08 Nil Securities Purchased under Reverse Repo Nil Nil Nil Nil ii) Interest Rate Future (as per RBI Circular UBD(PCB)BPD Cir No.000/2006-07 dated 12thJuly.00 0.35 Total Provision held 44.00 ii) Non Performing Non-SLR investments (` In Lacs) 44.00 0.(PCB). 2009.00 0. of Borrowers Amount outstanding Sacrifice (diminution in the fair value) No.10 12985.00 0.00 0.00 0.No.00 Closing balance 44. UBD.BPD.00 0.00 6811. of Borrowers Amount outstanding Sacrifice (diminution in the fair value) 53 Others Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil 41 Jee Jeeef<e&keÀ DenJeeue .33 111.00 0.Disclosure as per RBI master Circular No. Issuer Amount (1) (2) (3) 1 PSUs 2 FIs 3 Nationalised Banks 4 Others 5 Provision Held towards depreciation Total Extent of below Extent of Unrated Investment grade Securities Securities Extent of Unlisted Securities (4) (5) (6) 1768.00 0.

Karandikar Partner Membership No. Utekar Chief Executive Officer . VaR limit. No. 042744 Firm Reg. 5.64. Various exposure limits for market risk management such as Overnight limit. The bank is of opinion that the said demand is not sustainable as similar demands of earlier years were awarded in favour of the bank. The Bank has filed writ petition in the High Court against an NA Tax demand of ` 31. The liability thereon is dependent on terms of contractual obligations. All letters of credit / guarantees are sanctioned to customers with approved credit limits in place. 4. Aggregate Gap limit. are in place The portfolio covered by Standardised Modified Duration Approach for computation of Capital charge for Market Risk includes investment portfolio held underAFS and Forex Open positions P. raising demand by concerned parties and the amount being called up. The liability contingent thereon is not quantifiable at present. 2012 O.054.00 22. no additional liability is recognised in the financial statements.62. counterguarantees and secured charges. Contingent Liabilities: 1. Scope and Nature of Risk Reporting / Measurement Systems: The Bank has regulatory / internal limits for various Instruments in place.680 raised in the year 2005.06. No. The Bank has made payment of property tax assessed by Corporation aggregating to `1.104355W Statutory Auditors Date: April 10.BPD. hence the bank is unable to quantify any further liability which may arise. The Bank has filed writ petition in High Court in respect of Property Tax on rental premises at Thane (East). 2010 and business requirements The overall objective of market risk management is to enhance profitability by improving the bank's competitive advantage and mitigate loss from all types of market risk loss events. These amounts are collateralized by margins.199 under protest. Cir. Vartaknagar and Wagle estate challenging the fixation of rateable value.600/2009-10 dated February 8. Investment limit etc.91.(PCB). Capital charge on Market risk: Market risk in Trading book . The Bank has appealed before the Commissioner of Income Tax (Appeals) against an order passed by the Assistant Commissioner of Income Tax for the Assessment Year 2009-10 towards demand aggregating to ` 2.655 under protest. 2. The amount paid to the authorities is accounted as an expense in the Profit and Loss account. Vinod M. The amount paid 41st Annual Report Previous year figures: 54 Mr.Standardised Modified DurationApproach: 3. Qualitative disclosures (a) The general qualitative disclosure requirement for market risk Strategies and Processes : Investment Policy which includes Market Risk Management is in line with the RBI regulations vide circular UBD. The Bank has paid an amount of ` 27.50 Mr.83. Satish R.11.22 0.to the authorities is accounted as an expense in the Profit and Loss account. 42/09. For Joshi & Karandikar Chartered Accountants Quantitative disclosures: Particulars The capital requirements for: · Interest rate risk · Equity position risk · Foreign exchange risk For TJSB Sahakari Bank Ltd Amount of Capital Required (`In Lacs) 1900. The bank has reclassified previous year figures to confirm to this year's classification. The outcome of the petitions being uncertain. devolvement.06. Three cases have been filed against Bank by ex-employees and twenty-five by borrowers and other. Hence.

proper books of accounts as required by Rule 27 of the Multi State Co-operative Societies Rules. – 104355W Vinod M. Opp. 2002. No. the auditor considers internal control relevant to the Bank's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances. Karandikar Opinion Subject to our comments and observations contained in Part A.401. (b). 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. (b) In our opinion. which comprise the Balance conformity with the accounting principles generally accepted in Sheet as at March 31.JOSHI & KARANDIKAR CHARTERED ACCOUNTANTS Head Office I . which have come to our notice. implementation and Subject to our comments and observations contained in the Audit maintenance of internal control relevant to the preparation of the Report of even date. 1949 (as applicable to the Co-operative Banks). Bank as at March 31. (d). For JOSHI AND KARANDIKAR CHARTERED ACCOUNTANTS Firm Reg No. 2002) information required by the Multi-State Co-operative Societies Act. 1949 (as applicable to the Co-operative Banks) We have audited the accompanying financial statements of TJSB in the manner so required and give a true and fair view in SAHAKARI BANK LIMITED. In making those risk assessments. To. and Management is responsible for the preparation of these financial (c) in the case of the Cash Flow Statement. the financial statements read with 73(4) of Multi State Co-operative Societies Act. 2012. (c) The Balance Sheet. and a summary of significant accounting policies and other explanatory (a) in the case of the Balance Sheet. and rules made there under and the Banking Regulations Act. Auditor's Responsibility Our responsibility is to express an opinion on these financial statements based on our audit. which to the best of our knowledge and belief were necessary for the purpose of our audit. Report on Other Legal and Regulatory Requirements This responsibility includes the design. and the Statement of Profit and Loss India: and Cash Flow Statement for the year then ended. Thane. in our opinion The Members of TJSB SAHAKARI BANK LIMITED and to the best of our information and according to the (Under Section 31 of the Banking RegulationAct. e-mail: joshikarandikar@gmail. of the state of affairs of the information. B.com STATUTORY AUDIT REPORT OF THE TJSB SAHAKARI BANK LTD. (e) and (f) to the extent applicable are attached to this report. B Place: Thane Dated: 10/04/2012 55 Partner M. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management. 2012. 2) (a)We have obtained all the information and explanations. Patil Road. so far as it appears from our examination of those books and proper returns adequate for the purpose of our audit have been received from the branches of the bank. the bye laws and the law have been kept by the bank. 2002. We conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Societies Act. whether due to fraud or error. The procedures selected depend on the auditor's judgment. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. have generally been within the competence of the Bank and are in compliance with RBI guidelines / directives. (c). Charai. and rules made there under and by the Banking Report on the Financial Statements Regulations Act. we report that: financial statements that are free from material misstatement. Garden Nursery. Profit and Loss Account and Cash Flow Statement dealt with by this report are in agreement with books of accounts. whether due to fraud or error. Guruprasad. and C of Audit Memorandum enclosed herewith. (W) – 400601 Tel: 25361821 / 25337803. 2002. of the cash flows statements in accordance with the Multi-State Co-operative for the year ended on that date. as well as evaluating the overall presentation of the financial statements. 1949 & Section explanations given to us. 2002 & Rule 27 Significant Accounting Policies and Notes thereon give all the of Multi State Co-operative Societies Rules. (b) in the case of the Profit and Loss Account. of the profit for Management's Responsibility for the Financial Statements the year ended on that date. 1) The schedules giving the particulars referred to in Rule 27(3) (a). 042744 Statutory Auditors 41 Jee Jeeef<e&keÀ DenJeeue . Near Charai Cross. including the assessment of the risks of material misstatement of the financial statements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion. (d) The transactions of the Bank.

25.2012 A 31.41) (6.689 5.59 27.00 Amortisation Reserve for Cost of Acquisition Loss on Sale of assets 2.12 Provision for Miscellaneous Assets - Depreciation on investments 5.14 2.53 Adjustments for : 8.95.95.08.69.59 3.99) Increase in Investments (2.15.62 19.39 10.93.59 Less : Foreign Exchange Rate fluctuation Gain on Swap / Spot Forex deals Profit on Sale of Investments Deferred Tax Asset (34.09.00 6.36 1.96 56 (27.01 .30.85) 78.00 Special Reserve 3.06 1.37) 25.33 2.97.580 Depreciation on Fixed Assets 11.64) Increase in Deposits Increase / (Decrease) in Other Liabilities Increase in Advances Income Tax Paid during the year (24.52) (8.32.00 4.CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH 2012 (` in Thousands) 31.88.2012 31.44 62.88 75 50.25.40 1.98 6.71.05.79) Increase in Other Assets (13.33 1.04.29.37.00.05 55.41.80.00 1.98.25.10.00.75.03.75.00 Provision for Bad & Doubtful Debts Contingent Prov against Standard Assets 7.73.92 2.27 Amortisation of Premium on Securities 2.34 Add : Income Tax 49.02) 13.35) (2.27.00 2.99.03.84.00.85.55.31.33.46.00 46.76.93.38.25.76.57.03.2011 31.03.02.83.2011 Cash Flow From Operating Activities Net Profit as per Profit and Loss Account 60.35 (3.16 24.40) 96.50.05) Cash Generated from Operating Activities 41st Annual Report (94.25 (3.

29 2.97 Sale of Fixed Asset Cash Generated from Investing Activities D E 31.49.2012 (18.104355W Date : 10.00 7.46.50.82.2011 31.23 6.61 4.73.89 4.CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH 2012 (` inThousands) 31.76.56 Dividends paid during the year (6.96) Cash Generated from Financing Activities 68.17 Increase in Borrowings 58.44.94 23.22) 13.87.2012 As at 31.66.00 4.77 Net Increase in Cash & Cash Equivalents during 2011-12 (A+B+C) 75.59.36 7.40.03.03.07.37.49 1. No.03.23 6.93 Fixed Deposits 4.34 1.46.89 Cash Total As per our report of even date For Joshi & Karandikar Chartered Accountants For TJSB Sahakari Bank Ltd.40 15.02.34.68.20.49.2011 Cash & Cash Equivalents at the beginning of the year Cash & Cash Equivalents at the end of the year (D+E) Break-up of Cash & Cash Equivalents 21.90.03.89 As at 31.2011 Cash Flow From Investing Activities Purchase of Fixed Assets C 31. Utekar CHIEF EXECUTIVE OFFICER Shri Vinod M.03.70. R.2012 B (18.76.20) (4.35.04.73.66.77.25) Cash Flow From Financing Activities Share Capital issued 16.2012 57 41 Jee Jeeef<e&keÀ DenJeeue .03.61.86.96.37.14.83. Karandikar Partner Mem.73.03. 042744 Firms Reg.53 6.96 Balances with Other Banks 2.66. No.51) (19.02) (18.53.98. Shri S.74.99 15.

36 16.975 PARTICULARS SR.158.32 DEPOSITS ADVANCES 6 7 10 9 AUDIT RATING NET PROFIT A 2.94 RESERVE FUND 3 A 2.228 31/03/2011 COMPARATIVE FIGURES FOR LAST FIVE YEARS .212.62 17.546.160.306.957.82.76 199. NO.35 434.08 34.563.19 352.018.119.787.204 31/03/2010 A 6. OF SHAREHOLDERS 1 31/03/2008 28.34 4.11 252.93 17.334.826.79 109.497.328 NO.311.11 213.09 128.214.868.907.19 4008.917.71 PAID UP CAPITAL 2 31/03/2009 33.79 88.90 28.210.19 12.661.49 203.672.34 5.53 OTHER RESERVES 4 8 10.009.43 295.90 167. A 4.725.08 1.97 279.805.705.757.61 2.167.59 A 534.06 7.421.34 20.35 7.18 19.41st Annual Report 58 234.511.39 16.06 40.921 31/03/2012 (` in Lacs) 430.435.972.430.977.187.14 1.493.335.419.136.47 INVESTMENTS 5 WORKING FUNDS 17.06 347.279.89 142.35 264.84 150.

09 4.97 OTHER CREDITS 0.73 44.54 20.46 0.00 0.00 0.00 0.00 0.00 BUILDING REVALUATION RESERVE 10 0.00 0.00 0.60 0.00 0.06 BALANCE AS ON 31/03/2012 (` In Lacs) 0.00 0.00 0.00 0.09 1782.00 0.90 4224.73 0.00 2400. RESERVE FUND AND OTHER RESERVES .00 0.00 0.00 BUILDING FUND 2442.00 0.00 3.47 PROVISION FOR BAD & DOUBTFUL INVESTMENTS CONTINGENCY RESERVE 12 13 33439.Y.46 INVESTMENT DEPRECIATION RESERVE 9 49.00 0.00 1502.25 APPROPRIATION OF PROFITS OF 2010-11 16160.00 53.00 60.35 SPECIAL RESERVE 11 14 978.59 41 Jee Jeeef<e&keÀ DenJeeue 8581.70 0.00 3274.50 *APPROPRIATION OF PROFITS OF 2011-12 Note :* Appropriation of Profit of F.00 375 42461.09 10.00 0.00 495.90 0. NO.09 601.08 2400.00 8776.90 BAD & DOUBTFUL DEBTS RESERVE CONTINGENT PROVISION AGAINST STANDARD ASSETS INVESTMENT FLUCTUATION RESERVE GENERAL RESERVE 3 4 5 6 685.00 108.50 0.00 DEBITS DURING 2011-12 0.00 0.00 950 225 530.13 0.00 0.38 2459.00 0.00 446.00 446.76 0.46 0.00 0.57 CHARITABLE FUND 8 10.14 725 0.35 32.46 949.00 500.00 1353.00 0.00 60.2011-12 subject to approval at Annual General Meeting TOTAL CO-OPERATIVE EDUCATION FUND 44.34 2 BALANCE AS ON 01/04/2011 STATUTORY RESERVE RESERVES & OTHER FUNDS 1 SR.00 60.30 60.90 52.24 MEMBERS WELFARE FUND 7 88.16 0.00 0.00 1959.00 0.22 724.00 20214.81 103.

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17 2000 2347.97 4000 0 0 2008 2009 2010 2011 2008 2012 BUSINESS-MIX 2009 2011 2012 CAPITAL ADEQUACY ` in Crores 8000 2010 % 20 2009 2010 2011 15.11 7 428.71 400 496.46 1000 2799.81 2008 15.64 1000 15 14.73 1500 2039.36 4.98 600 200 % 8 6.45 5000 14.67 3000 3324.42 4 2.08 1500 1285.18 2000 1991.63 3 2 100 1 0 0 0 0 0 0 0 2008 2009 2010 2011 2012 2008 2009 2010 GROSS NPA 2011 2012 NET NPA .87 300 308.03 4478.47 6985.15 7000 10 0 5 2008 2009 2010 2011 2012 2012 GROSS NPA & NET NPA OWNED FUNDS ` in Crores 6.67 500 6 331.05 2500 2640.DEPOSITS ADVANCES ` in Crores 5000 ` in Crores 3000 4500 500 1506.74 2000 3853.02 268.63 4000 5463.63 6000 15.58 3500 3000 2500 4344.64 5 3.88 3471.62 1000 500 1679.

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