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94th ANNUAL MEETING 2012-2013 - Aryapuram Co-Operative Bank

94th ANNUAL MEETING 2012-2013 - Aryapuram Co-Operative Bank

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BYE-LAW No: 3AREA OF OPERATIONForBye-Law No.3READThe area of operation of the <strong>Bank</strong> shallbe confined to all urban, semi urbanplaces and rural places of EastGodavari District, west GodavariDistrict. For any revision in this regard,prior approval of RegisteringAuthority and Reserve <strong>Bank</strong> of India asindicated in Reserve <strong>Bank</strong> of IndiaCirritlar Nn iRn RRI (RCS)10/07-01-00/95-96 dated 10th October 1995shall be necessary, (Lr.R.Dis.No.1086E2, Dt. 19- 3 -96). (R.C.No.6976/2010/UA-11, DT. 4-5-2010)READThe area of operation of the <strong>Bank</strong> shallbe confined to all ur ban, semi urbanplaces and rural place s of East GodavariDistrict, west Godav ari District andVisakhapatnam Distric t. For any revisionin this regard, the instructions ofReserve <strong>Bank</strong> of India- and Registeringauthority shall be follo, Ned.(a)-0,sog.) u, p6 .1/00e) 67,63.y 6V3 58E77065eelpeo.)pooex, @-08,366..)cp 23eJIoi5peoBYE-LAW NO.8SHARESForBye-Law No.8The authorized Share Capital of the<strong>Bank</strong> is 2.10,00,00,000/- consisting of10,00,000/- 'A' Class Shares of 2.100/-each. The authorized Share Capitalmay be increased from time to time byGeneral Body resolution subject to theapproval of the Registrar.READThe authorized Share Capital of the<strong>Bank</strong> is 2.20,00,00,000/- consisting of20,00,000/- 'A' Class Shares of 2.100/ -each. The authorized Share Capital maybe increased from time to time byGeneral Body resolution subject to theapproval of the Registrar.aP2s0g3 U;)q)6 .1)-oet5*63.).A.) 2.10 gse;,R6)O8 2.20 gse9, g.) Ior,536)6.) 66tomors..5 1eoME3.6PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


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5. 31-3-<strong>2013</strong> U3 63g -Oa 06)6 *o )e) 2e. ar,sog)ci)Iexeod.)e»(67. e)0,0e5)2..Tasog.)2011-201580.75<strong>2012</strong>-<strong>2013</strong>908.04cia4 Kiz,'7.aszt5 ao10.001677.704266.1526.852971.764169.6929.60100.00sA81)6(.1.15S51). e,')65 x*6-0'45 sz6a.)645fbezatiosoak sz6t)645 2..P06).ao8 a-as 2.7tog ata8t..1)fs0.5 apsog (35 liat5sn.p8MIPW146.25100.00102.25400.00502.45°89 2.40146.25100.00102.25400.00400.00150.00276.949754.538ta80..1)3) cra6e;bit 6§co.)4t5 2J-azogJoe55 Ootz p.7aoaoe.tap,soga sz.sr.1 Mifus 62,4037a194.84 285.171017.08 1220.734.99% 4.44%2.3ascA) qe...1)60..)6 extus 62.1c33a33.66% 30.1 1%<strong>2012</strong>-<strong>2013</strong> 2...30,50g.) 6§ 8.05% 6=15.toe)e)c)*e3.<strong>2012</strong>-<strong>2013</strong> Z'oor6.) SLR Amount 25% Govt. Securities 2.70.05 06)66 ...)qza8 Ie..,36eFoodr-r, Z. 71.41 gsea) -


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Q436 areg3e58 Online <strong>Co</strong>mputer Service veo Dci.536o663cLusoel 4306-oupi6g)mos', 666o6Z)6 16e» eDoe3oi.5u.28toe3g66633 g )g..16636p.c? n E'(;) a66 aPo-e.56 uctat, 66u6az5o(-T, "Tele <strong>Bank</strong>ing" -,:;),7.1u,61) 11e.3.oe56 47-06-ocro3tepry, "Any Branch <strong>Bank</strong>ing"Skills 63 .6o3)0(5c).@, 2.1"30)aroorzoog.) 663g6o6036 fo6ea) uog3o-6-v28 ge){1A _py). Mobile <strong>Bank</strong>ing, Phone<strong>Bank</strong>i ng, SMS <strong>Bank</strong>ing u6.3e3)Onsite ATM 17,E 6c5cae56 (Bio-MetricATM) toboapo0 633.BANKING to6oz9oz53-6363.3.zpoD 5o6 ATM to6oepan-.63). 60s6e58 CORE<strong>2012</strong>-<strong>2013</strong> *olig.) te...1)2seat, 8636(-70 @.@. topod,e) unooes, upd) o8e5 6g.),3.7Deg.)6) 'A Class' rioPDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


6,30e3 4a '6668. 46a 2.3.2sog..) @wdS.A» a'.xt.)2(:).65ctoe)66p,0,50_,.)e.D 6, a.0-0,fi iSe)66cp4) fog,n-oog.. 63.g630d toe.A63,p zroe;seg.)6.7.ape g.) 64 3o6r-TO *6-oguct)iI zJeyoge5 6.)-aPazi-oe3-05-008, a3*6e..5 oc`Alsap,sog ao80-70,e)s.=,0 8@ite.5 gs-get665 e;)s.D© *tosv6 9)gae,)5,3. aobt5,4e.5 g8eak, a5q)6 6e)).a66 Fmape38, 67, ,136gor-Tot), 66sgon-o.)KY6-6aittosva63a)e,A) oe3-c;a4a 0)(Do.)..)5 ciSay.20)5 et62tA)eg..). Gclth u6,356?,_)n.AY()..15/oletre35'ctu) 662(53e.A..)eDoaeg 63-0 ge)6s6e3).R.).@.06ff). .c1)2.)ii.78E-azs0?,6.)E5cd)o. 6c.a.00e5R. D.O.croax:4(1,,35 /16,35 a5137PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


11001r.,"66865 2.1,00,000 6g.)&6 &)do..65319,25,32 .000DICGC PoUct)o31 & (?0I0e..)6) 30 6 *oil5De36/.)0Ue.e5scrCRR NDTL e56 2.)M6.)o 3%CI Q nin-ri n sn,9-.):5,,r, 04.44%30.1 1%-rtgy,,sCteDa7,0) eaDca6.)ow-itogbe3e5 6./O5,3e56 15% UoTs,5006.)6o@pag 6,38 63ow363PDza6L6M g6,),e).). 60U63e.a) ZD6o mtieDe56 10% no 0-06vaDJEa6.veD av6o eaDca)e)e56 O 40%mca6vea) ap6o eaDca6a)e)e58 10%.)6o s(()IeDe56 0.002%56.41%15.83%e56k - ..e.A6,;(1,'(;)02sea)WZ)* u6oyea) a6osood)-NIL6)00 D zoo(54)e)d) (4)g,35 v S 66,3)u-(;)e,5,3 aD6o zaDca,tDeR56 EiT05 NPA 10%9.22%2.)0601)6.)NPA 5% aoty,c5)3.91%CRAR ts (00 9%.1 rinozIe;a)a)e).)e.)odoos.c.,06.) o66).)e_A) e5seJ8epeprougo6sK5r)-0 e3.06De5sBest Practices RBI -,()N.e5e56 6-,,;3°0o.n62RBI OballepDue Date 66, z,/)(:),,,38PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


1W,41,,Pmr-imatoe.3.)1111111111111111111111111<strong>2012</strong>30220.84%184.66228 .4320.99%8.01.6620.62%.7oefnea)44.0348 .6410.68%295.43352.1219.19%1() R71'.255.804 .55?oz.) 0E3 a,g08 ao2sth-otioRATIOS1-)063(-70)3.127.382011-12aoq 6.7.25 (Spread) 2.53%gbee.5 oDuptfo 6,1.1(MD 12.08%<strong>2012</strong>.257.312.E 4%0%7)(7) N.P.A.2go N.P.A.ao5 (Proposed)8.98%1.54%15.00%9.22%3.91%15.00%ob5d,.No6,31.06%0.92%st,(7) op.)5gE.) 6a.loaToeotae tazve 62,Aczy,e56 si)}a)CRRSLR64.08%73.66%1 2.70%4.99%33.66%68.90%73.76%1 1.39%4.44%30.1 1%39PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


oDoulp@. togpoe) X66 eT'p@oe.5 cnea8* <strong>2012</strong>-<strong>2013</strong> *014g8e5g-4),e36')fog, e_papp--fmeap-o, a3_7.q)6.2)e) gape3a6)6.) rpoo-n.ToThe MembersThe <strong>Aryapuram</strong> <strong>Co</strong>-operative Urban <strong>Bank</strong> Limited,Rajahmundry.I have audited the attached Balance Sheet of The <strong>Aryapuram</strong> <strong>Co</strong>-operativeUrban <strong>Bank</strong> limited as at 31-03-<strong>2013</strong> and the Profit and Loss Account for that yearended on that date annexed thereto. These Financial Statements are theresponsibility of the Management of the <strong>Bank</strong>. Our responsibility is to express anopinion on these financial statements based on that.1. I have <strong>Co</strong>nducted the audit in accordnace with the Auditing StandardsGenerally accepted India. Those standards require that I plan and Perform theaudit to obtain reasonble assurance about whether the financial Statementsare free of material misstatements. An audit includes examining, on a testbasis, evidence supporting the amounts and disclosures in financialstatements. An audit also includes assessing the accounting principlesused and significant estimate made by the management, as well asevaluating the overall financial statement presentation. I believe that my auditprovides a Reasonable basis for my opinion.2. On the basis of our audit, and having regard to the report on the accountsBranches audit's by the other auditors as stated above, which have beenconsidered by me I report that :a) The Balance Sheet and the Profit and Loss Account have been drawn up inaccordance with the provisions of Section 29 and 31of the <strong>Bank</strong>ingRegulation Act, 1949 as applicable to cooperartive societies.40PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


(b) I have obtained all the information and explanations which, to the best ofmy knowledge and belief were necessary for the purpose of my auditand found them to be satisfactory.(c) The transactions of the <strong>Bank</strong> which have come to my notice have beenwithin the power of the <strong>Bank</strong>.(d) The Profit and Loss Account shows a true balance of Profit for the periodcovered by the audit.(e) In my opinion, proper books of accounts as required by law have beenkept by the <strong>Bank</strong> so far as appears from my examination of those booksand proper returns adequate for the purpose of my audit have beenreceived from the <strong>Bank</strong>.(f) Reliance is placed on the Internal Auditors Report for the period.(g) Balances with <strong>Bank</strong>s have been reconciled and proper rectifications havebeen made.(h) The Balances Sheet, Profit and Loss Account dealt with by the reportare in agreement with the books of account and the bank Returns :(i) In my opinion the Balance Sheets, the Profit and Loss Account dealt withby this report are in compliance with the Accounting Standards referredto the Sec.211(3C) of the <strong>Co</strong>mpanies Act, 1956. So far as they apply tobanks in accordance with the Guidelines issued by Reserve <strong>Bank</strong> of India.Subject to the above and the comments given in annexure of this reportand to the best of my information and according to the explanationsgiven to me the said Accounts, read with the Accounting Policies followedby the <strong>Bank</strong> and the other notes thereon give a true and fair view :(a) In case of Balances Sheet, of the State of affairs of the <strong>Bank</strong> as at31st March <strong>2013</strong>.(b) In case of the Profit and Loss Account of the Profit of the <strong>Bank</strong>of the Years ended on that date.Place : RajahmundryDate : 31-8-<strong>2013</strong>(Sd) V.V. Pardhasaradhi F.C.A.Chartered AccountantM No.1848041PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


94ffaV mgeA31-03-<strong>2012</strong>t5a.ea'be.v(LIABILITIES)IX=31-03-<strong>2013</strong>i'a).1. Ilt5 ogl6o (Share Capital)8.00,99,099.00 `..)' 666815.454.006t5r5e9 .66.16.54915.454.00 9,66.32.003.002. Cetos-c-podl) .)0(:3;53.) al.6t5 003t5-150)4.79.48.394.931,94,93.646.5040,00.323.7481.53,774.347.48.998.494.07.30.319.001,66,60,328.582.10,06.047.631,05,657.00(RESERVE FUND & OTHER RESERVES)ent5.)z ic)06.)2.5008 z'poe»463 gsee,45 -c5ottotad) 2JaA0VP2,5206J 6t5urot5eA4).3.)5ae4o8 .1RA% ta*Z8a)PoolAzoontils5.3E ,89,811.932.11,40. 86,660.721.02,8.3.3E .01.174.841.92,90.046.5074.274.3427,955.9646,075.662,10.06.047.631,05,657.001 1.88,600.001 1,88,600.002.86.845.0090.00,000.0065,8 1.51 6.00 tz.D5 (.4 q06§ E97oe,5,07.77.59.328.00 et5*4 taMZ 02,ZZ)5E26052.80.75.256.7 11,90,24,000.00253.61.635.2140.62.39.224.13 a)c4)aoMl; t-a,DaZ0...7agc,)emt5,15a6t50236.).se.1)3.70,000.0090,00,000.0078,72,324.307,57,71.433.163,27.88.975.712.95,24,000.002.57.64.517.14 34,67,07.554.8944,33.39,557.8942PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


03-<strong>2012</strong>.ei-Canz(ASSETS)to.31-03-<strong>2013</strong>tb. 78.1. 6t1tflp (Sh are Capital)4.33. 07.566.00 c)) *ilta). .titd 6Btra 5,5; ,64.68523) goe..1.)p)o-ae)else.).32,18. 53.334.90 1) '636 ezazog e5 Ro8c;to, 2..Tao-de.o 3,23.3E ,858.5045, 27.065.69 2) §§-eg.)665 Toot.x5 arazog 26.1E .920.696. 28,352.40 3) (1),e5 0-eir)60:35 eiazog 1.47.102.40 9,03.69.566.592. R615 2.P.,soex55 *etex)(BALANCES WITH OTHER BANKS)co) 6506.13Me..1)70 ,17.340.1 8 1) alazOg 2.700-6e.D 45.1 7,983.18,f1.1. L .,))g, aJa0.6e1) 74,691.806.76,07.176.92 3) RO6 233.6ogaep 8,23,7 5,198.50QS,DG)15.80.75.030.00 1) g5-eg)665 tbotoe5 zatog 9.08.04.36910,00.000.00 2)/36 g5-e-6665 2JazOg 17,77,72.253.483. -Joe..13,2.363e.)) (Investments)59,43,85.164.00 got5 crap .1341.)qs TNArisextea) 71.41.45,219.00615.00 -k-c3z5-a55 -koaied5 gqto 615.0012.77.79,845.8 1eJt5 Z.)42a)6.)el.) 17,05.04.023.30 88,46.49.857.30102.62.56.182.70 115,27,91,666.37PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


aqp94). 31-3-<strong>2013</strong> cuaei-03-<strong>2012</strong>40.62.39.224.13175,54.38.913.9230,86.07.373.319 6,89,772.446 1.190.004, 08.19.135.0019.90,96,135.35eiaiez(LIABILITIES)3.8,taet.1.) (Deposits)ZOA 80a8e...1)Z..)-6Jz§ Z0,06 6.)ectu.)(36.8., 8.8. 8,t-a8e.1)44.33,39.557.8921 .65.36.165.5933, 74,84.507.9477,64.544.616 1.190.00,64.70,100.0022 .30.97.216.0031-03-<strong>2013</strong>1f0.1 9. 31.58,615.2 1CA.)q) as e5 8aet.5,023. 77.74.253.98 302.91,87,978.128,t-dee.a)4. *o.,-,'")e)6.)o8O(Rorrnwinnsl291,31,10,359.365. Wel) (SZ06.7a)-ib.o)g-).347.25,27.536.0144PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


uagp mge394)31-13-<strong>2012</strong>Za.8ia)ea)(ASSETS)do.Zo.31-03-<strong>2013</strong>do. 31102,62,56,182.70 e3.0)5115,27,91,666.371.944. eif..e.1.), 67ts6)e.1)(LOANS & ADVANCES)-kose...y_TaD6 expeatDeD50,7! D,94,102.866.4.6saD aapra6Dep30 .86.897.00btssa D6 appea63Del.)133.5 9.15.781.575. rra6e;b6 60.83.603.00 1) '3)tNzie.1.)e.),1)2,8C ,75,256.7 1 2) oa alzsa LED6 606.23% (sot.73)7. 2..7a Dtn (96i:DZ)00.1)65 .13,12.688.8312.25.520.00158. 17,53.945.222.3.85,17.375.0027,88,975.71223.42.92,154.056,13.06,350.71(Branch Adj. A/cs. (contra)17.64.65,103.5910,1 1,65.282.25oa8M..) 2Ja0 - 865(956.e...)o0.1) ;1Boa19,82,52.369.8412.60,21,232.96(--) 1.34.56,160.922,16.45,911.4 1szdto &ao,' -*.scrar56 eJa 0-ED - 865(-) 2.12.16.640.532.23.02,799.36(- )65.56,536.28aTaiat - 865H1,68,12.869.11Gadab0r5Ja0 2.7a0x,,e556) - 8e5513.68,286.16aiDa5af.0* zyao,ze5563 -60.98,636.6510.00,000.00(-) 86,55.557.1 9.Asozeors6 alach.,e556) - 865gaga 2.7a0x.,10,00.000.00(-) 1.33,09,410.2730.37.04.405.06319.20.19,866.70PJ.0);-).375.20,94,576.1945PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


aqp94)1-03-<strong>2012</strong>31-03-<strong>2013</strong>30.(LIILITIES)',?0.291,31,10,359.36es.c3r).3,47,25,27,536.016.23°oes,g-oe..)064 (5.0g9 (Branch A/c with H.0.) (<strong>Co</strong>ntra)17.64.65,103.5910,11,65,282.25(-)134.56.160.922,16.45.911.41(-) 65,56,536.28(-) 86.55,557.199,82,52.369.8412,60,21.232.96)2,12,16,640.532.23,02.799.36-) 1.68.12,869.1 1) 1,33,09.410.2710.00.000.00ot.do rboo 2..Porn e5sa) a,JogoE056)65)2,3D0 e5s.) 430-0i-Ooscrow6*65 a.Po e58 .) 4 .70°13.68,286.1660,98.636.6510,00.000.00 30.37,04,405.067. off. )0...1)C:73 E.)5oefi.is (Overdue Inheres) & Reserve)1,28,55,243.00OD) c35.Po..). 5t odzs2,11.08.385.0025) 0-ocapoo Lo*2,11.08,385.008. a6t5 U.43, a;70°C..)J (Other Liabilities)2.64.00,175.00c3) or;56e.)Po6 82oLt)2,83.55,087.003.39,862.0 184,90.035.332,12,04,986.98325,40,08,704.548.9) uu,6)6)8.3.u.Po) a666Beu9. ey..z.6e)q.73e-0 (Profit & Loss Account)266 OVA)) (Net Profit)(TOTAL) Z.D6o3.39,862.0 197.20,574.30 3.84,15,523.312,19,85,986.52 2,19,85,986.52385,77.41,835.90'c'ooll 66 *62smDcoctocagg.)7ooe5g5vogoe5*on aScfr *62sDizvr)cicaugDp@ob)/6fo.@.cn5. za)23643ca,s070ge.)646PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


31-03-<strong>2012</strong>do. b.319,20,19.866.70810172375.20,94,576.1915,38,573.168. 066'i5AutoitneD (Fixed Assets)15,38,573.1615,38,573.169. ;5....)f5=165. 4..)6,)5,3 uis.De..1) (Furniture. Fixtures etc.,70.92,958.05117,28.290.00.3) cs;.)V5. Spg,35,089) gOC:002se.)15,315.91.788.70 j) cDe.)72g11,89.956.3518.500.0049,813.171.23.645.604,82,110.001.74,735.008) wz66e4. Zioeo6, e.585e5opt) 023E5td).,330-5) cDcaD5Faels5 h'se6506,4Z.)oe,.5,,)) 0.10.0,÷10. a,66 (Other Assets)1,30.4 5,553.0017.516,E11,95,660.054,498.709,956.358.500.0058,268.175.7 5.452.001.74.588.874.735.002.90.67.212.1439,22.236.004.62.458.0016,84.823.0011.43,734.702,76.189.853,05,09,026.26325,40,08,704.54 (TOTAL) c3.»6o21,45.033.606,15.625.0020.66.681.0013,55.565.701.88.789.856,86,69,779.267,50,41,474.41385,77,41,835.90*On 0630. &-d.Atoe.)at ,a5 /16,35 051R.D.O., ovw6.)o8M/s. @.@. t°á 6©ggop@o6.5.ex eob u86.)647PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


mss2019,04.12,805.002.76.97.817.001. 8tcve,1). -g)ors,56ext6,(Interest on Deposits)2. 65..1.)e..A), .;5 1o° (Salaries, Allowances Etc.,)24,93.18,645.863.20.24.834.00.800.003. oqdel5 Poinorp4.52.200.00(Directors Sitting Faees, Allowances Etc.,56.E 1,179.004. u)), pe3oN (Rents, Taxes, Insurance,ighting)81.94.244.9660,350.005. 0,05,15 -oge.) (Law Charges)62,000.002.95.954.546. 63614 006 qogeD (Postage & Telephone Charges)3.55.367.0018.24.217.007. 8e..)5. -eoe5oP05, uOod6 s,S)e)315.23.788.00(Auditor, Sale Officer, Attender <strong>Co</strong>sts)22.49.423.598. 8g) 3c&i. eagori.) 0-g)5 . a).)5@ ,0(Depreciation, Repairs, Maintainance)30.84.134.0810,71.237.009. 13.11'.16, gj.)oe3o6). -oge,A)(Stationery, Printing, Advt, Charges)16.37,392.7310. dog &Pk (F.B.T)1.09.93.933.9611. a66 5 al.)6De.D (Other Expenditure)252.23,52.203.900J). N.P.A. Principle Reserve3,02.034.0057.23.263.80es). N.P.A. Interest Reserve92.19.073.0014.61,059.00Po). Provision on Standard Assets12.90.808.304,87.795.008). Investment Fluctuation Reserve5,48.445.0015.00.000.00a). 7,34e.5 02364514,76,000.001.00.00,000.004.)). aZgoe13;sk1.05,00.000.001,59.24.432.40e) a66 0a3t e.))76,09.383.772.12.04.986.9812. t5 e.3.410 (Net Profit)2.19.85,986.5229.71.62,254.27aD6o (TOTAL)37.19.36.541.123.12.04.986.981. Net Profit before Income tax3.24,85.986.522.12.04,986.982. Net Profit after Income tax219,85.986.5248PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


&Dewzo-a1.122.57.48.967.001. 6-nrj6. o-.6e_Ro6 6§ -1111-27.61 59.472.006.48.02,779.881.23.240.31 2.a(Interest on investments) 11J)(<strong>Co</strong>mmission)64,87,267.08 3. a66(INT.<strong>Co</strong>llected, to be <strong>Co</strong>llected)(Other Incomes)4. CA23'3.2386 owtooseD29,71,62,254.27 GThAo (TOTAL)8,02,05.152.3697.751.635z ,07,028.131,00,67,137.0037,1'601 c5q*625u,o-ocli.)c-a *on 2i6 '66e,c7a.)caWo7ooeS gt'o0c)6,5 g')&063c)ea) I gAw6)*on R).@.0535. Ki)e.362_,,3caso*oil ai3o. e_56aR.D.O., CPW6)0t5a5 /160,5 a,1z')on a a t.i:StSMuTp@oe5te.a),sti'49PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


6tfo*a *satt56..vel)1 foS5.45o2 o@ .3 8t,e,..a.)4 ce..)Ia66111-e&S.Isea)7 &n.,3* a5e_Bel)8 e.70Egfineq.3.,9 gi)6.)6..) r-r) 6o6 (spop)10 63z(ipe) 6Fot 65§11 (7,.)exeod)eiL6 6-n,)* 6§12 aLlicS e.c..3c15.)6.1)ea)t;)-(-a)86 (sooel.7)13 aseá apeg.)epe5s aoe ayou.e31.82,70,119.005,14.76.677.76598,55,88,136.2529.53.33,233.98108.33.33,436.0715.662.7148.82,18.644.485.48,500.0027.E 2,78.284.007.190.68,348.274.46.480.366.66.527.6317.52.669.002,26.40,652.00546,32,71,293.3629.21.47,783.0105,12.37.073.8715.662.71L8,74.37,644.946.53.800.0027.62.78.284.007.10.68.348.2794.46.480.36153.40.31.320.8150PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


)r1415161718192021222324),ea)-g4)a66exo83,,coe5sk.) utAZ)o6a)(sooe1j)34,45,60,600.3184,44.76.597.28300.0 06,90.370.0 096,16,26,894.0 722,06.65,862.24,iz.u06.53.800.00va)PAYMENTS5 43,87,74.171.84223.21.71.969.9025.18.52.676.00 .25.18.52.676.003,45,29,042.60 3,45,29.042.603.69.63.216.63 3.69.63.216.631348,92,78.539.28 1347.73.21,1C25300.0073.05.785.871,24,17,391.6727.62.224.4415.129.005,48,500.004,33.07.566.00552,64.685.00rvao5 655tx51353.25.86.105.28 135*on 658 *6,-,,cpai.)cauNooeS u'o@oe5CO*onuTpeoL /6Aa3d)-ocy,c:..)Esaikon Fo.@.aV3. Z(a) 2.3Zi.723C-t0,D.@. toc,r-64)-u)g§tex,se3E5 e eat51PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


4j,uatjp m&A043 T'&0e.50) 2 01 2 - 2 013outoos e o eyok ro.3-5) 0. 319/06-29-00/2 003-04 O. 15-7-2003)6.*o.1&2.guJe5 .)mtpo 6aloap31.3.<strong>2012</strong> 31.3.<strong>2013</strong>12.08% 11.50%3.Iexa)d)eD :Da3sc;)0d)aPzs0d)2J°0d,,.)Z;2%.)6'oe?) 2e.D6730.00178.04348.50f.06.5 e5s) apod)2971.76ea666,Aoe...5 g zoo 4169.69arrg.), 'cbtust5),ctiarci.5.)2J° og276.94400.00100.00aoN 150.00mg)wg)m 87250g) oal 29.60nobea a666 apeg 400.00'211),tk?9754.534. Dc5.)e5 c316. 0-0.0-6;'1»fl5.1)a) ge»6 2e»6350.00 335.942976.90 3028.504207.00 4032.18276.94 281.507810.84 7678.12Ucy5.6. *oe..)(466oIteD, *qe)g) oak)* uk,e)7. 'c:)666 sow us-) 8e4),ea31-3-2018.53%oe,)6a e56 13.44%,`,:p66g 06)§,1 azosp.)06,3 7.64%,c)6566" 06o6ca & 23scs,E-poe.5,3 11.49%31-3-<strong>2013</strong>9.02%13.68%8.05%11.83%8. c:15)Z.8).'c)1) r-To5 (1). a 1999.762) W.5 cto5.2o..). 800.239.22%3.91%52PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


AMIN EMIL.6.*o.9.Movement in NPAG.F;)cD5.g.).0D3-<strong>2012</strong> 31-3-<strong>2013</strong>529.93 1999.76262.45 800.2310.11.12.13.ere,lcu.0.5.)61. wV,),6 6§ wzoci5)2. u,,,p.6 06,-sf17:1) a,66 ocro.)3. .D-.),sto6 ,;56-ao eyozPm4. e..),3) 6Q 65 5e..)5a .37,)65,,))5. 0-opon) 666,s86. a 58,58 cuo.soc, CT:vtyn (Before Tax)ct05.20.a /8uoola a5 a55,3" Z)oe5X)2w531. .35.81c3. (NPA, NPA Interest,BDR/Int Receivable)2. Iez.)a)d.)e) 82oFo rilia33. toq c7.0e5go@w)n) /1636)6e1. (-i-)5.8..)..)) (NPA, Principal)2. .3.)e,,ejapd.w.53.) 88,Rocilla / Investment Fluctuation Reserve)3. toq. 0)7065@6,6 4.46,56.1) elea) 6)0cifiD ,a9'.1,yez9.83% 10.12%0.22% 0.16%1.88% 1.29%1.06% 0.92%737.88 923.42%5.28 5.80%676.80 1738.50133.68 133.6865.82 78.72396.04 1410.6165.82 78.7253PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


14. CONTINGENT LIABILITY1. OUTSTANDING LIABILITY FOR GUARANTIES OF 2.3,97,500/- AGAINST FIXED DEPOSITSWITH THE BANK2. Suit filed against the <strong>Bank</strong> by Shaik Sameeullah (O.S.No.65 /2003). <strong>Co</strong>ntesting the case inhigher court, the <strong>Bank</strong> has preferred an appeal in the high court and an interim injunction hasbeen granted pending disposal of the appeal. The bank has during the financial year <strong>2012</strong>-13deposited to <strong>Co</strong>urt 2.3,57,201 and kept the amount under "Due to head" in Assets side of thebalance sheet. Still there is liability for Z.12,04,527/- against the bank.15. CHANGE IN ACCOUNTING POLICY :The bank has during the current financial year made changes in accounting policies regardingLeave Encashment and Gratuity. In the previous financial years bank has accounted for theexpenditure on payment basis during the year and made provision for the remaining liabilityamount as on closing day of the financial year.Now the <strong>Bank</strong> is recognizing expenditure for leave encashment and gratuity on payment basissubject to the observations made at point no. 16.16. GRATUITY :The bank has paid Z..48,872/- Gratuity premium during the year. The acturial liability forGratuity as on 31.03.<strong>2013</strong> is 2.49,68,090/-. However the bank has obtained permission fromLIC of India to pay the Liability amount in five instalments. Hence the bank has only madeprovision for 2.10,00,000 in the current year and defered the balance amount of2.39,68,090/ -to be provided/paid in the next 4 year/s.17 INCOME TAX:The bank has during the financial year paid additional Income tax o 2.60,97,620/- for Asstyear 2008-09 and additional Income tax 2.2,26,37,115/- for Asst yr 009-10 and kept theseamounts under "Due to " head in the assets side of the balance sheet since even though theassessments for Assessment year 2008-09, 2009-10 and 2010-2011 are completed as appealhas been made before the income tax Appellate Tribunal the amounts are kept under "Dueto" Head pending disposal of the appeal for above years.(SD) D.SATYANARAYANAASST. ACCOUNTANT(SD) B.SATYANARAYANAMANAGER/ACCOUNTANT(SD) C.V.S. SUBRAHMANYAMSECRETARY(SD) M.VENUGOPAL REDDY, R.D.O, RajahmundryCHAIRMAN/PPIC(SD) V.V. PARDHASARADHICHARTERED ACCOUNTANTS / STATUATORY AUDITORS54PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


<strong>2012</strong>-<strong>2013</strong> *,tosvo *cit.;56)6tDe56 o8e5 Osq) 6s,,ao230,50636) 2g6 e3.2.P.D Z. 2,19,5,986.52 -).1e)*.o43 65.6o 6'.)o8..)E6 -6053.)b t5.)5o.0a6)0sW3*-0'Josva 2moes2p25.00%0.68%59.46%5.08.80%6%1.0 0%100.00%ice.54.96,49 7.001,50.00 0.001.30,71,56 9.0010,99,299.5219,48,7 2.002,19,859.002,19.85,98 6.52<strong>2012</strong>- <strong>2013</strong> (host i'oo656,36,tg) Z)oe..)6 "g.15% 82od.)6'.A63o-65dZ)M.2014-2015 '(()oli6g) c6) 65.1)e3 uo-65u:, eog65, <strong>2013</strong>-2014 -caDii6g) 8 e.36.56530a)..)g2oe3e5 2)83 6 Z3,)@oi5.)6,)<strong>2012</strong>-<strong>2013</strong>2014-2015&VII)c'.1D)e).To 33,75,00,000 27.61,59,472 43,88.00,00 13 ,47.10,192 56,00,00,000Iqe,.)6)e)I 9,35,00,000 8.02,05,152 10,56,00,000 3,94,27.242 12,75,00,0005.00,000 97,752 5,00.000 26,226 5,00,000a,63,,pz4 20,00,000 19,30,639a66 otTpai.)6A)e.)3 75,00,000 34,76,389ob&-- st.e,)M otoose).) - 1.00.67.137ZD6o ayoct)o 44.10,00,000 37,19,36,541).)6o 41,57,00,000 34.99,50,555epOo 2,53,00,000 2.19,85.98620.00.000 -60,00,000 14.93,118- -55,29,00.000 17,56,56,77851,13,00.000 10,47,48,2614,16,00,00020,00,00060,00,00069,60,00,00064,55,00,0005,05,00,00055PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


I.IBM<strong>2012</strong>-<strong>2013</strong>alp.<strong>2012</strong>-<strong>2013</strong>6t5 o doz.<strong>2013</strong>-2014zit» tip. °Zs:31-08-<strong>2013</strong>stt5g.) Vtoo doz.2014-20152.)903.) tta.1. 8t.8ed,i2 6§30,40,00,00024,93,18,64636.00,00,0007.95,10,50347,50,00.0002. be.bco 0)) 606,565»e.).)4,75,00,0003,20,24.8345.50.00.0001.42,15,6876,15,00.000ea) b.0)k.).46,20,057120,67,842b) Z)Ue58) -4648,800 72.00010,77,794 4,27.746a) @DK2,74,877 1,09,512orp) ,355.6 .)0647,24.411 15,39,968a gc56,-'g beboE3 Pogppt4. uTp6.).) goe3o6,30,00,000 17,75,848 40.00,000 9,44,321 40,00,00020,00,000 8.88,654 25,00,000 1,26,063 20,00,0001466, 6oifeek 8A6O5. 6Ae.a)k)e, g52.3 a,Ae..))6. Uds,5606/8t1,8e,5)7. ego, a5kev, 3o6y.v, 3e3o68. eago5 6.)00.5.1)6.)665).863eD, 42o5 glee9. goscatk. O.)de .).5.00,000 62,000 5.00,000 42,240 5,00,00020,00,000 7,48,739 25,00,000 69,953 20,00,00040,00,000 26,74,228 40,00,000 12,13,792 50,00,00010,00.000 4.98,38711 _10.00.000 2.24,881 10,00,00010.00,000 5,23,071 10,00,000 2,25,258 10,00,000gey30145. tayo 0,0e)10. asCD6Dea), T',Some)11. 6.r./.766 Extoy a)e.teD. o6at5,00,000 8 1,290 5,00,000 2,247 5,00,00060,00,000 4 1,10,094 60,00.000 1,94.234 60,00.000gooe..586,366.Dex, oDe.4544ex)12. bpjo Ppe 5,35 rpo tsMs0d5)5.)10,00.000 4,52,200 10.00.000 90,000 10,00,00010.00.000 3.55.367 10.00.000 1,78.604 10,00.0005,00,000 1.91.628 5,00.000 53,669 5,00.00050,00,000 55,20,017 60,00,000 8,71,212 70.00,0002,00,000 85,155 2.00.000 37,700 2,00,00037,92.00.000 31,00,56,097 44.57.00,000 10,22,17,432 56,82,00,00056PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


12.4e..1)<strong>2012</strong>-<strong>2013</strong>615g) V:36.)o<strong>2013</strong>-2014q ta .)1-08-<strong>2013</strong>t5g) V-15,)o tfoa.2014-2015eaqe.a.)I ill<strong>2012</strong>-<strong>2013</strong>z.5,343.37,92,00,00031,00.56,097 44,57.00,0000.22,17,43256,82,00,00017. 8.)...17). u,6,ea)5,00,0003.14,366 8,00.0001.48,7755,00,00018. a.666..Dea), s6e,36e.D.15.00,0001 1.37.177 15.00.0003.44.13615.00,000wo6&epeoeaea).eJz:;2you)a)t:59.3e).)19. es8e5 $aPeD10,00,000 L4,37,931 10,00,0002,89,79010.00.00020. -(6.0e5PI.Ad) si.c):))15,00,00010,85,857 20,00,0001 1,25,95015,00,00021. *6e.,),E,5.00,0006,76.623 8,00,0002.30,7188,00,000ax-AD5o5)22. 8FAolya,35.00.000-25.85.747 40.00.00040,00.00023. ca)66 6)seo,7F nn nnn 1 Q4 ALL9 nn nn nnn3.00,00,00040.00.000 10,48.87250.00.00050,00,00015.00,000 1 1.37.73220.00.0001.88.19620,00,0001.50.00.000- 1,05,00.0002,85.00.0003,00,00,00015,24,40941.57.00,000 34,99,50,5552,03,26451,13.00.000 10,47,48.26110.00.00064,55.00,000eoge5g.) Qx) uo.D6 aZbeD Z.1--e3o6peo57PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


(cam, 00,e)<strong>2012</strong>-<strong>2013</strong><strong>2013</strong>-20142.46 e0s:2014-2015320.00302.92400.00 500.00250.00223.43325.00 400.00_ E--cArOcScet...3UCJ,3110.0097.55132.00 150.00ocuocio44.1037.1955.29 69.60(Doo41.5734.9951.13 64.55e.300o (att. 6t)uizi6)2.532.204.16 5.05c;i6,j0,5e.,)gzA5 /ATM - 2 / software / <strong>Co</strong>re <strong>Bank</strong>ingeiriog) mt)e).) 06.0e.)2o:cijaix)i5.306* eszioer66.) ge353a RI Z)z4)(dp.ed)2.00.00,000.0010,00.000.001.50.00.000.001.00.00.000.0030.00.000.002,00,000.00040 4,92,00,000.00PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


ir"El 0 5.09. <strong>2012</strong> *368 D. 0 5.09.: <strong>2013</strong> 6g.) a: %O g.) Dotizroekeirr @co,pe.3a wozau- a)00.1.).)' Z..1- 6.) C;)Z&) u,4".)-a) aza)S.A.dz;)e4e.).) woe:3u°. 116) g°50)Z;)6 woeauo uc56-0'.2) t z,')eit?se.) wr.z.50.60...)60 6300n.0.)oupctstgedI*J'w*55c-C)2Abez (g a, 37930 2675 2781 2669 1752 1557t.lti)ua4".. 477 8 z 12-o Iga6 e.J..)se..0 Zez 13955 5121 3389 2540 1089 4215CV 02) 04())A1012I N J I G1.-,r-% 12 '7 7c3xelo ea) 51408 7788 6168 5197 2835INAtDaa51.3do4c3Jpelo687 18 59 501286 0 1 5131289 1019 2285 3490219 0 3 10951970 1037 2343 84517a 31.8.13 36 3D eig 3e.)e).) 2..)5p0p 6ak 80026n) woe:300;Review 6ciS.Dea t5)0an(tuo.egepe.56)alac175 ;bet)Total AdvancesWEI6339 7374.783065 3048.183264 2699.234125 4059.702685 2464.023105 3129.415181011.77Over Due above 3 MonthsZ.vgo750 438.94 151.02 589.96300 118.02 54.21 172.23291 98.09 36.85 134.94521 191.3 1 80.59 271.90403 139.90 57.00 196.90240 186.01 49.68 235.6949 14.45 9.39 23.84114150.65wrier356395.95438.74 1625.4659PDF compression, OCR, web optimization using a watermarked evaluation copy of CVISION PDF<strong>Co</strong>mpressor


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