Annual report 2013-14

44Jee Jeeef<e&keÀ DenJeeue 2013-14 RD44 ANNUAL REPORT 2013-14

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04

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04

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02

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03

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01

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2013-14 ³çç DçççÆLç&kçÀ Jç<çç&lç Glkç=Àä kçÀçcççÆiçjçÇ kçÀjCççN³çç þçCçí MççKçí®³çç mçJç& kçÀcç&®ççN³ççb®çí kçÀçÌlçákçÀ kçÀjlççbvçç cçç. GHççO³ç#çÞççÇ. çÆHç$çí.

09

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10

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08

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11



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12

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13

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14

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15

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16

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17

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2


DOMBIVLI NAGARI SAHAKARI BANK LTD. (SCHEDULED BANK)Regd. No. .T.N.A. /B.N.K./ 127, Dated 4'th July, 1970

Reserve Bank Of India Licence No. A.C.D./M.H./227(P) Dated 09-10-1980“Madhukunj”,Plot No. P-52, MIDC Phase-2, Kalyan-Shil Road, Sonarpada, Dombivli(East)-421 204.

thNotice of 44 Annual General Meeting

th th rd 44 Annual General Meeting of the Bank will be held on 12 July 2014 at , 02.30 p.m. at Sarvoday Hall, 3 floor, P. P. Chembers, Fateh Ali Road, Dombivli (East)-421 201 to transact following business. All Share holders are hereby called to remain present for the meeting.

AGENDA OF THE MEETING -th

1) To confirm the minutes of the Annual General Meeting held on 11 August 2013 & also confirm the minutes of Special Generalth Meeting which was held on 28 March 2014.

2) To adopt Board of Director's Report, with Audited Annual Accounts (Balance Sheet, Statement of Profit & Loss account)st for the year ended 31 March, 2014.

3) To approve appropriation of profit and declared dividend as proposed by the Board of Directors.st 4) To Take note of Statutory Auditor's Report for the financial year ended on 31 March 2014.

5) To take note of the Auditor's Report and it's Compliance Report their of for the financial year 2012-2013.6) To confirm the Amendments in Bye-Laws proposed by the Board of Directors.7) To confirm Budget of the Bank for the year 2014-15 proposed by the Board of Directors.8) To take & approve the cases of recovery made through One Time Settlement Scheme.9) To write off the Bad & Doubtful Debts as certified by Statutory Auditors, keeping all the rights of Recovery intact against all concerned parties involved.10) To authorize Board Of Directors to give donations to Charitable Institutions, through Charity Fund.11) To condone the absence of the Members, who were not present in Annual General Meeting.12) Any other subject with the permission of the chair. BY ORDER OF THE BOARD OF DIRECTORS G. G. PARANJPE CHIEF EXECUTIVE OFFICER & GENERAL MANAGERDated: 28-06-2014

NOTE :1. If the meeting is adjourned for want of quorum, then the meeting shall be held after half an hour i.e. at 03.00 p.m. on the same day & at the same venue, which will not require quorum.2. In order to ensure smooth orderly business at the Annual General Meeting, it is suggested that the members seeking any

st information or desiring to give any suggestions, about the financial accounts for the year ended 31 March, 2014, should

th submit their queries/ suggestions in writing, addressed to General Manager on or before 05 July, 2014.3. Annual Report for the year 2013-14 will be available at all branches, and also available on the website www.dnsbank.in, after

st 01 July, 2014.

OTHER SUGGESTIONS :-1. Minimum share capital required is ` 1,500/- Members who have not subscribed to the minimum Share Capital, are requested to submit application for the required amount of shares at the earliest.2. Members are requested to inform about change of address, mobile number, land line number and e-mail address immediately, to shares dept at Central Office.3. Members may verify that Dividend is regularly credited to their account with our Bank. If any member has failed to obtain

st the dividend for last three years i.e. from the year 2010-11, the same be collected up to 31 March, 2015; Else as per Bye laws 59/d, it will be transferred to Reserve Fund of the Bank.4. Members are requested to file Nomination for the shares held by them. Nomination forms are available at all Branches.5. Identity cards are issued along with share certificate. If any member has not received the same then the member should submit 2 passport size color photographs to the shares department, for issuing Identity Card.6. Any communication regarding shares should be routed through Branch Only.

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6

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7

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10

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11

çÆJçÐçcççvç mçb®ççuçkçÀ cçb[U pçáuçÌ 2007 cçO³çí çÆyçvççÆJçjçíOç çÆvçJç[Óvç Dççuçí nçílçí. mçb®ççuçkçÀ cçb[Uçvçí p³ççJçíUçÇ HçoYççj mJççÇkçÀçjuçç l³ççDççOççÇ®³çç Jç<ç&DçKçíj yçBkçíÀ®³çç þíJççÇ ` 793 kçÀçíìçÇ lçj kçÀpç& J³çJçnçj ` 528 kçÀçíìçÇ nçílçç. yçBkçíÀ®çç çÆcçÞç J³çJçmçç³ç ̀ 1321 kçÀçíìçÇ nçílçç. mççlç Jç<çç¥®³çç kçÀç³ç&kçÀçUçlç yçBkçíÀvçí mçJç&®ç #çí$ççlç mçJçç¥iççÇCç ÒçiçlççÇ mççOçuççÇ Dççní. þíJççÇ, kçÀpç& Jç çÆcçÞç J³çJçmçç³ç ³çç mçJç&®ç DççIçç[îççbJçj pçJçUHççmç ®ççÌHçì Jçç{ PççuççÇ Dççní. JçççÆ<ç&kçÀ çÆvçJJçU vçHçw³ççcçO³çínçÇ çÆlçHHçì Jçç{ PççuççÇ Dççní. MççKçççÆJçmlççjnçÇ 20 MççKççbHççmçÓvç 40 MççKççbHç³ç¥lç Jçç{uçç Dççní. mçJç& mçb®ççuçkçÀ mçnkçÀçN³ççbvççÇ SkçÀçÆouççvçí, mççcçáçÆnkçÀHçCçí DçççÆCç mçbIçYççJçvçívçí kçíÀuçíu³çç kçÀçcççcçáUí®ç yçBkçíÀ®ççÇ nçÇ ÒçiçlççÇ Mçkçw³ç PççuççÇ Dççní.

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BALANCE SHEET AS ON 31.03.2014

12

efo. 31 cee®e& 2014 jespeer®ee leeUsyebo

31.03.2013 osCeer LIABILITIES

AMOUNT AMOUNT AMOUNT

1 Yeeb[JeueCAPITAL

i) DeefOeke=Àle Yeeb[Jeue Authorised Capital

10,000.00

2,00,00,000 Shares of ` 50/- Each 10,000.00

(2,00,00,000 shares of ` 50/- each)

ii) Jemegue Yeeie Yeeb[Jeue Subscribed & Paid up Capital

129,38,312 Shares of ` 50/- Each

(120,33,732 Shares of ` 50/- each for Previous Year)

Out of Shares held by above

5783.20

a ) Jew³eeqkeÌlekeÀ meYeemeo Individuals

d ) Flej Others

6,746.25

685.96

653.05

6,469.16

7,399.30

3

RESERVE FUND AND OTHER RESERVES

i) jeKeerJe efveOeer Statutory Reserve

ii) Fceejle efveOeer Building Fund

iii) ueeYeebMe meblegueve efveOeer Dividend Equalisation Fund

iv) lejleto- efve³eefcele keÀpe& Keel³eebmeeþer Provision against Standard Assets

v) mebMeef³ele Je yeg[erle keÀpe& efveOeer Bad and Doubtful Debts Reserve

vi) iegbleJeCetkeÀ Iemeeje efveOeer Investment Depreciation Reserve

vii) YeeieOeejkeÀ keÀu³eeCe efveOeer Members Welfare Fund

viii) Oecee&oe³e efveOeer Charity Fund

ix) iegbleJeCetkeÀ ®e{ Gleej efveOeer Investment Fluctuation Reserve

x) meeceev³e cegkeÌle iebieepeUer General Free Reserve

xi) Hegveceg&u³eebkeÀve efveOeer Revaluation Reserves

xii) Dee³ekeÀj keÀe³eoe keÀuece 36 (1) 8 vegmeej efJeMes<e lejleto Special Reserve U/s 36(1) (viii)

xiii) Hegvej&ef®ele Keel³eeb®es cegu³eebkeÀve efveOeer Provision for Diminution in fair value of Restructured A/c

23,074.05 SketÀCe efveOeer TOTAL RESERVES 20,287.68

29,543.28 Heg{erue HeeveeJej TOTAL C/F 27,686.98

31.03.2014

200 ueeKe Yeeie, Òel³eskeÀer ` 50/-(200 ueeKe Yeeie, Òel³eskeÀer ` 50/-)

iebieepeUer Je Flej efveOeer

( ` in Lacs)

5,207.70

1,278.93

344.26

770.32

3,860.93

2,227.96

0.00

101.00

2,121.00

985.76

2,573.93

803.64

4,473.55

1,278.93

344.26

565.82

8,921.67

1,073.40

96.00

00.0

1,671.00

1212.00

2,621.53

803.64

12.25

12.25

2SHARE APPLICATION MONEY, ENTRANCE / NOMINALMembership Fees - Pending Allottment

0.07 0.00DeefJelejerle meYeemeolJee®eer jkeÌkeÀce

b ) menkeÀejer ie=nmebmLee Co-Operative Societiesc ) jep³e mejkeÀej Individuals


--

13



31.03.2013 ³esCeer ASSETS


1 jesKe Je yeBkeÀ efMeuuekeÀCASH & BANK BALANCE

i) jesKe CASH ON HAND 945.28

ii) ®eeuet Keel³eeleerue efMeuuekeÀ CURRENT ACCOUNTS WITH :

- Reserve Bank of India 22,615.61

- MSC Bank 10.02

- District Co-Op Banks 47.38

- Other Banks 1,631.65

24,304.66

iii) yeBkeÀebceOeerue cegole þsJeer FIXED DEPOSITS WITH BANKS

- State / District Co-op Banks 10.00

- SBI & Nationalised Banks 1,707.53

- Other Banks 3,016.00

4,733.53

3 iegbleJeCetkeÀ INVESTMENTS

59,623.64

00.0

12,093.61

0.00

0.00

0.00

9,208.96

4192.78

0.00

15.83

2,506.20

208.25

87,849.27

i)Central Government - SLR

ii)Central Government - NON SLR

iii)State Government - SLR

iv)State Government - NON SLR

v) Other Approved Securities

vi) Equity Shares of AIFI

vii ) Bonds of PSUs

viii) Bonds of AIFI & Other Bonds

ix) CDs of Nationalised Banks

x) Shares of Co-operative Societies

xi) Bonds of Banks

xii) Units of Mutual Fund

63,532.64

0.00

18,951.30

0.00

0.00

0.00

8,209.46

5,192.78

0.00

15.83

2,506.20

159.92

98,568.13

108,737.79 128,551.60

31.03.2014

Heg{erue HeeveeJej TOTAL C/F

( ` in Lacs)

1,137.37

9,116.33

75.97

51.93

1,448.75

10,692.98

60.00

4,892.17

4,106.00

9,058.17

2 MONEY AT CALL & SHORT NOTICE

0.00 0.00



14


31.03.2013


ceeieerue HeeveeJeªve TOTAL B/F 27,686.98

4 þsJeer DEPOSITS

i) cegole þsJeer Term Deposits

a) Individuals & Others 180,359.22

b) Other Co-Op Societies 45,617.62

Total Term Deposits 225,976.84

ii) ye®ele þsJeer Saving Bank Deposits


b) Other Co-Op Societies 2,560.20

Total Savings Deposits 67,683.54

iii) ®eeuet þsJeer Current Deposits


b) Other Co-Op Societies 221.32

Total Current Deposits 15,120.30

SketÀCe þsJeer Total Deposits 308,780.68

5 leelHegjleer G®eue BORROWINGS

a) MSC Bank and Central Bank Over Draft

b) Long Term Deposits

68.00

c) NHB ( Secured by security held by bank)

5,493.39

7,683.29

6

efyeume HeÀe@j keÀueskeÌMeve (keÀe@vìê)BILLS FOR COLLECTION (contra)

5.53

7

LekeÀerle J³eepee®eer lejleto OVERDUE INTEREST RESERVE 683.37

8

osCes J³eepe INTEREST PAYABLE ON DEPOSITS 1,291.28

346,131.13

( Matured Deposits ` 69.58 Crores for P.Y. ` 45.11 Crores)

31.03.2014osCeer LIABILITIES


( ` in Lacs)

29,543.28

146,393.89

20,896.19

167,290.08

61,678.88

2,428.01

64,106.89

12,201.34

135.81

12,337.15

243,734.12

394.29

1,014.40

112.00

1,520.69

43.05

3,363.53

871.07

279,075.74

d) CBLO

2,121.90


-

15



31.03.2013


128,551.60 108,737.79

4 keÀpex ADVANCES

i) DeuHe cegole keÀpex Short Term Loans, Cash Credits,

Over Drafts and Bills Discounted etc.

of which secured against

a) Government & Other Approved Securities(Including CBLO Advance)

7,056.84 3,139.28

b) Other Tangible Securities 103,335.59 69,190.85

c) Personal Sureties 1,030.48 1,014.16

Total Short Term Loans 111,422.91 73,344.29

ii) ceO³ece cegole keÀpex Medium Term Loans


a) Government & Other Approved 21.08 40.05

b) Other Tangible Securities 23,098.24 27,119.22 c) Personal Sureties 5,968.56 6,280.65

Total Medium Term Loans 29,087.88 33,439.92

iii) oerIe& cegole keÀpex Long Term Loans


a) Government & Other Approved 3.21 8.15

b) Other Tangible Securities 72,152.10 56,760.24

c) Personal Sureties 563.08 325.01

Total Long Term Loans 72,718.39 57,093.40

SketÀCe keÀpex TOTAL ADVANCES 213,229.18 163,877.61

5 INTEREST RECEIVABLE :

On NPA Advances ( Contra) 683.37 3,363.53

On Investments 2,696.86 2,481.01

On CBLO Advances 53.66 8.54

3,433.89 5,853.08

345,214.67 278,468.48

(Of the advances NPA ` 34.01 Crores &Overdue Amount ` 114.02 Crores)

(Of the advances NPA ` 25.74 Crores & Overdue Amount` 14.16 Crores)

(Of the advances NPA ` 22.52 Crores &Overdue Amount ` 9.56 Crores)

31.03.2014³esCeer ASSETS

ceeieerue HeeveeJeªve TOTAL B/F


( ` in Lacs)


16



31.03.2013

AMOUNT AMOUNT

346,131.13279,075.74

Flej osCeer Je lejletoerOTHER LIABILITIES & PROVISIONS

i) os³e ueeYeebMe Unclaimed dividend 185.34 152.27

ii) efkeÀjkeÀesU osCeer Sundry Creditors 387.54 579.76

iii) jpeeb®³ee jesKeerkeÀjCee®eer lejletoProvision for PL Encashment

428.97 352.31

iv) ûe@®³egFìermeeþer lejleto Provision for Gratuity 121.80 99.00

v) os³e OeveekeÀ<e& Je Hes mueerHme Drafts Payable 1,549.90 1,435.25

vi) Flej Others 1,227.63

vii) Clearing balances

1,359.26

0.00

4,032.81 3,846.22

11

10

COLLECTION A/C

BRANCH ADJUSTMENTS

efMeJevesjer yeBkeÀ SHIVNERI BANK 146.35 146.35

megJeCe& cebieue yeBkeÀ SUVARNA MANGAL BANK 135.67135.67

282.02282.02

282.02282.02

12 veHeÀe Je leesìe Keeles PROFIT AND LOSS

ceeieerue Je<eera®ee efMeuuekeÀ veHeÀeProfit C/F as per last balance sheet

2,836.23 2,708.02

(-) efJeYeeieCeer Less : Appropriations 2,836.19 2,707.95

Profit C/F 0.04 0.07

Add : Profit as per P & L A/c 3,216.32 2,836.16

efveJJeU veHeÀe NET PROFIT 3,216.36 2,836.23

353,666.04286,044.29

31.03.2014


osCeer LIABILITIES


( ` in Lacs)

AMOUNT

3.72 4.08

9


0.00

17



31.03.2013


345,214.67 278,468.48

6 efyeume efjefmeJnsyeue BILLS RECEIVABLE ( CONTRA ) 5.53 43.05

7 FIXED ASSETS

mLeeJej ceeueceÊee LAND & BUILDING 3,743.30 3,481.38

Flej ceeueceÊee OTHER FIXED ASSETS 1,183.16 1,017.58

WORK IN PROCESS 192.90 12.65

5,119.36 4,511.61

8 Flej ³esCeer Je ceeueceÊee OTHER ASSETS

i) Income Tax & Service Tax (Net) 947.51 307.38

ii) Deferred Tax Asset (Net) 1,457.78 1,150.27

iii) Clearing Balances 141.03 327.39 iv) Others 480.68 768.41

3,027.00 2,553.45

9 MeeKee pegUJeCeer BRANCH ADJUSTMENT 0.000.00

10 Dev³e Ke®e& / leesìs MISCELLANEOUS EXPENDITURE

efJeefueveerkeÀjCe Ke®e&COST OF ACQUISITION

1) efMeJevesjer yeBkeÀ SHIVNERI SAHAKARI BANK 1,092.81 1,092.81

Less: Provision for Cost of Acquisition

upto March 2014 1,092.81 1,092.81

0.000.00

2) megJeCe& cebieue yeBkeÀSUVARNA MANGAL MAHILA SAHAKARI BANK 812.00 812.00

Less: Provision for Cost of Acquisition

upto March 2014 649.60

162.40

353,648.58 285,858.61

31.03.2014


³esCeer ASSETS


( ` in Lacs)

282.02282.02


0.00

812.00

COLLECTION ACCOUNT ASSET


18


mçb®ççuçkçÀ cçb[UÞççÇ. Go³ç cçOçámçáovç kçÀJçx ÞççÇ. pç³çblç yççUkç=À<Cç çÆHç$çí DçO³ç#ç GHççO³ç#ç mçb®ççuçkçÀÞççÇ. Dç®³çálç cçOçámçÓovç kçÀNnç[kçÀj mççÌ. vçbçÆovççÇ MççÆMçkçÀçblç kçáÀuçkçÀCççaÞççÇ. çÆMçJççpççÇ mçáoçcç HççìçÇuç ÞççÇ. çÆcççÆuçbo cççOçJç kçÀçíHçjkçÀj ÞççÇ. içCçíMç nçÆjnj vçç³çkçÀ ÞççÇ. mçáOççkçÀj oÊçç$ç³ç HççlçkçÀj ÞççÇ. ÒçYççkçÀj jçcç®çbê JççCççÇ ÞççÇ. oçÇHçkçÀ Jçmçblç vççcçpççíMççÇ ÞççÇ. vççcçoíJç oÊçç$ç³ç Kçboçjí mççÌ. JçÌMççuççÇ Jçmçblç pççíMççÇ ÞççÇ. mççÆlçMç oÊçç$ç³ç DççíkçÀ [ç@. ÞççÇ. uçnçvçÓ ªHçpççÇ kçÀçW{çjçÇÞççÇ. Hçáª<ççíÊçcç Yçácç³³çç kçábÀoívç mJççÇkç=Àlç mçb®ççuçkçÀ

ÞççÇ. mçánçmç jçIçJçWê kçáÀuçkçÀCçça ÞççÇ. cçníMç çÆmçOoíéçj HçÀCçmçíí

cçáK³ç kçÀç³ç&kçÀçjçÇ DçççÆOçkçÀçjçÇ Jç mçjJ³çJçmLççHçkçÀ ÞççÇ. iççíHççU çÆiçjçÇOçj HçjçbpçHçí

31.03.2013


353,666.04 286,044.29

SketÀCe GRAND TOTAL 353,666.04 286,044.29

13 keÀe@efvìbpebì ueeSefyeueerìerpedCONTINGENT LIABILITIES

Income Tax Disputed Liability 0.00

2,620.04

Guarantees 1,949.43

1,186.55

Letter of Credits 1,749.99

SketÀCe TOTAL 3,699.42 3,806.59

31.03.2014osCeer LIABILITIES


( ` in Lacs)


0.00

19



31.03.2013


353,648.58 285,858.61

3) S®eìerSce iegbleJeCetkeÀerJejerue Iemeeje DEPRECIATION ON HTM SECURITIES

23.28 29.10

OPENING BALANCE & REVERSAL

LESS: AMORTISED DURING THE YEAR 5.82 5.82 17.46 23.28

4) mJes®íeefveJe=Êeer mebyebefOele Ke®e& VRS COMPENSATION (2009-10)

OPENING BALANCE 0.000.00

Less: Charged to P&L A/c during the year 0.000.00

17.46 185.68


31.03.2014³esCeer ASSETS


( ` in Lacs)

- cegK³e Debleie&le uesKee Hejer#ekeÀ -ces. ®eeskeÌmeer DeB[ ®eeskeÌmeer

ö JewOeeefvekeÀ uesKeeHejer#ekeÀ -ces. keÀerle&ves DeB[ Hebef[le


þsJeerRJejerue J³eepe Interest on Deposits

keÀpee&Jejerue J³eepe Interest on Borrowings

keÀce&®eeN³eeb®es Heieej Je YeÊesSalaries Allowances, PF, Gratuity etc.

meb®eeuekeÀeb®es YelÊes Directors' fees and allowances

peeieeefJe<e³ekeÀ Ke®e&, Jeerpe efyeue Je efJecee Rent, Taxes, Insurance, Electricity etc.

keÀe³eosefJe<e³ekeÀ Ke®e& Legal charges

ìHeeue, kegÀefjDej DeeefCe otjOJeveer Ke®e&Postage, Telephone & Courier Expenses

efnMesye leHeemeveermeeb®eer HeÀer Audit Fees

ceeueceÊesJejerue Iemeeje Depreciation on Assets

uesKeve meeefnl³e, íHeeF&, Pesje@keÌme F. Ke®e&Printing, Stationery & Xerox Expenses

peeefnjele Je J³eJemee³e Je=×er Ke®e&Advertisement, Publicity

og©mleer Je osKeYeeue Ke®e&Repairs & Maintenance

yeBkeÀ ®eepes&me Bank Charges

keÀe³ee&ue³eerve Ke®e& Office Expenses

ÒeJeeme Ke®e& Travelling & Conveyance Expenses

keÀCemeb®e³e þsJeeRJejerue keÀefceMeveCommission on Kansanchay Deposits

Heefj<eo Je ÒeefMe#eCe Ke®e& Conference & Training

Jeie&Ceer Ke®e& Subscription & Fees

Heg{erue HeeveeJej C/F

AMOUNT Ke®e& EXPENDITURE AMOUNT31.03.2013 31.03.2014

PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31.03.2014

efo. 31 cee®e& 2014 DeKesj®es veHeÀe leesìe He$ekeÀ

17,977.85 16,709.01

370.48 134.33

2,570.64 2,361.12

2.45 2.60

939.74 864.49

25.6516.46

131.06 113.96

33.50 33.04

328.38 324.54

68.93 62.86

143.05 110.69

132.23 131.48

40.31 46.05

398.06 358.38

31.46 25.02

98.02 41.56

7.19 20.10

9.33 10.41

( ` in Lacs)

20

23,496.4421,487.70

S. peer. Sced. Ke®e& General Body Expenses 13.65 6.78

menkeÀejer Mew#eefCekeÀ efveOeer Co-op Education Fund 0.00 0.30

Amortisation on Investments 174.46 114.52

617.94


From Bad Debts Written OffLess: Debited to provisionfor Bad & doubtful debts

8,250.94

(-) 8,250.94(617.94) 0.00

keÀpee&bJejerue J³eepe Interest on Loans & Advances

Recoveries from written off accounts (Excluding that of merged banks)

Interest & Income on Investments

Profit from Sale of Securities

Charges Fees & Other Income

Commission on DD/LC/BG etc.

Commission from Mutual Fund,

De-Mat, ATM & Insurance

Rent on Safe Deposit Lockers

Recoveries / Costs of Merged banks


GlHeVe INCOME AMOUNT31.03.2014

AMOUNT31.03.2013



efveuexefKele keÀpe& Keel³eeceOeerue Jemegueer (efJeueerve yeBkeÀeb®³ee Jemegueer J³eefleefjkeÌle)

iegbleJeCegkeÀerJejerue J³eepe Je GlHeVe

jesKes efJe¬eÀerleerue veHeÀe

oj/ MegukeÀ / DeekeÀej Je efkeÀjkeÀesU GlHeVe

keÀefceMeve, De[le / oueeueer

c³eg®³egDeue HebÀ[, ÖeBÀefkebÀie,[er-ce@ì, efJecee J³eJemee³eeleerue GlHeVe

uee@keÀj Yee[s

efJeefueve yeBkeÀebceOetve Peeuesueer Jemegueer (vekeÌle)

19,352.39 17,552.32

548.08 177.18

8,930.00 8,090.79

342.87649.60

1,138.35 1,014.02

94.73

139.14 112.22

75.02 71.56

33.16 167.49

30,710.2528,041.65

( ` in Lacs)

From Bad Debts Written Off 18.62 Other recoveries 14.54

21

124.43

Excess Provisions Written Back 26.81 111.74


27.54139.95

Deferred Tax Assets (Net) (555.83)

Flej lejlegoer Provisions

mebMeef³ele Je yeg[erle keÀpe& efveOeer Provision for Bad & Doubtful debts 2,460.20 2298.53

lejleto – efve³eefcele keÀpe& Keeleer Provision for Standard Assets 204.50 18.00

Dee³ekeÀj lejleto Provision for Income Tax 0.001,489.00

meevegûen Devegoeve Provision for Bonus 299.93 268.16

iegbleJeCetkeÀermebyebOeer DeekeÀeqmcekeÀ Ke®e&Provisions and Contingencies A/c (Depreciation on

Investments Transferred To HTM )

5.82 5.82

iegbleJeCetkeÀ Iemeeje efveOeer lejletoProvision for Investment Depreciation Reserve

1,222.000.00

efJeMes<e efveOeermeeþer lejletoProvision for Special Reserve U/s 36(1) (viii) of

IncomeTax Act.

0.00203.00

Dee³ekeÀj keÀe³eÐeeÒeceeCes DeeJeM³ekeÀ yeg[erle keÀpee¥®eer lejleto Provision for Bad Debts Reserve @ 7.5% U/s 36(1)

(vii) (a) of Income Tax Act.

00.0 392.00





22

ceeieerue HeeveeJeªve B/F

(675.96)

( ` in Lacs)

21,487.70 23,496.44

Provision for Cost of Acquisition (20% amortised) 162.40 162.40

Provision for Gratuity 121.80 102.00


Provision for Leave Encashment 76.670.00

Total Provisions 4,553.32 4,938.91

Net Profit before considering Prior Period Adjustments. 3,216.32 2,519.18

30,710.25 28,269.83



AMOUNT31.03.2013



23

ceeieerue HeeveeJeªve B/F

28,041.65 30,710.25

30,710.25 28,041.65

( ` in Lacs)


28,269.83


Net Distributable Profit (after consideringprior period DTA & excess written off of cost acquisitionwritten back.)

3,216.32 2,836.16

SketÀCe TOTAL




24

( ` in Lacs)

DTA Pertaining to prior period

33,926.57 30,789.01

00.0(316.98)


ceeieerue HeeveeJeªve B/F 30,710.25

mçb®ççuçkçÀ cçb[UÞççÇ. Go³ç cçOçámçáovç kçÀJçx ÞççÇ. pç³çblç yççUkç=À<Cç çÆHç$çí DçO³ç#ç GHççO³ç#ç mçb®ççuçkçÀÞççÇ. Dç®³çálç cçOçámçÓovç kçÀNnç[kçÀj mççÌ. vçbçÆovççÇ MççÆMçkçÀçblç kçáÀuçkçÀCççaÞççÇ. çÆMçJççpççÇ mçáoçcç HççìçÇuç ÞççÇ. çÆcççÆuçbo cççOçJç kçÀçíHçjkçÀj ÞççÇ. içCçíMç nçÆjnj vçç³çkçÀ ÞççÇ. mçáOççkçÀj oÊçç$ç³ç HççlçkçÀj ÞççÇ. ÒçYççkçÀj jçcç®çbê JççCççÇ ÞççÇ. oçÇHçkçÀ Jçmçblç vççcçpççíMççÇ ÞççÇ. vççcçoíJç oÊçç$ç³ç Kçboçjí mççÌ. JçÌMççuççÇ Jçmçblç pççíMççÇ ÞççÇ. mççÆlçMç oÊçç$ç³ç DççíkçÀ [ç@. ÞççÇ. uçnçvçÓ ªHçpççÇ kçÀçW{çjçÇÞççÇ. Hçáª<ççíÊçcç Yçácç³³çç kçábÀoívç mJççÇkç=Àlç mçb®ççuçkçÀ

ÞççÇ. mçánçmç jçIçJçWê kçáÀuçkçÀCçça ÞççÇ. cçníMç çÆmçOoíéçj HçÀCçmçíí

cçáK³ç kçÀç³ç&kçÀçjçÇ DçççÆOçkçÀçjçÇ Jç mçjJ³çJçmLççHçkçÀ ÞççÇ. iççíHççU çÆiçjçÇOçj HçjçbpçHçí

Excess written off of cost of acquisition now written back

SketÀCe TOTAL


AMOUNT31.03.2013



25

228.18

30,789.01

28,041.65 30,710.25 ceeieerue HeeveeJeªve B/F

- cegK³e Debleie&le uesKee Hejer#ekeÀ -ces. ®eeskeÌmeerr DeB[ ®eeskeÌmeer

ö JewOeeefvekeÀ uesKeeHejer#ekeÀ -ces. keÀerle&ves DeB[ Hebef[le

( ` in Lacs)

33,926.57

3,216.32

00.0

Net Profit before considering prior periodadjustment and excess written off of cost of acquisitionWritten Back

2,519.18



31.03.2014 31.03.2013

328.38 5.73 43.85 180.28

(67.44)

4,520.69

386.71 33.17

65,466.78 (318.94) (6,441.66) (57,647.64) 583.97 33.17

(19.73) (750.00)

(995.50)

6.05

930.08 6,162.59 12.24

(853.92)

3,216.32

5,011.49 8,227.81

975.71 7,252.10

905.95 8,158.05

(989.45)

6,250.99

13,419.59

11,830.35

25,249.94

13,419.59

31.03.2014 945.28 24,304.66 -

25,249.94

Cash & Cash EquivalentsCash

Balance with other banksMoney at call & short notice

CASH FLOW FROM OPERATING ACTIVITIES

Net Profit as per Profit & Loss account

Add: Adjustment forDepreciation on Assets

Loss on sale of Asset

Loss on sale of Investment

Amortisation of Investment

IDR Reversal

Provisions charged / written back to P&L A/c (Net)

Less : Adjustment forProfit on Sale / income of Securities & Asset

Recovery from Merged Banks

Other Adjustements for Assets / LiabilitiesMovement in Deposits

Movement in Other Liabilities

Movement in Investments

Movement in Advances

Movement in Other Assets & Expenses

Recovery from Merged Banks

Donations Advance Income Tax paidNet cash generated from Operating Activities (A)

CASH FLOW FROM INVESTING ACTIVITIESPurchase of Fixed Assets Sale Proceeds of Fixed Assets

Net Cash Generated from Investing Activities (B)

CASH FLOW FROM FINANCING ACTIVITIESIncrease in Share capital

Borrowings

Cash from Entrance / Nominal Membership Fees etc.

Dividend PaidNet Cash generated from Financing Activities ( C )

Net Increase / (Decrease) in Cash & Cash Equivalents (A+B+C)

Cash & Cash Equivalents at the end of the year (as given below) (ii)

Net Increase in Cash & Cash Equivalents (ii-i)

Cash & Cash Equivalents at the beginning of the year (as given below) (i)

(` In Lacs)CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH 2014

Note : The above Cash Flow has been prepared in accordance withAS - 3 issused by the ICAI

For Dombivli Nagari Sahakari Bank Limited

G.G. Paranjpe J.B.Pitre U.M.KarveCEO & General Manager Vice-Chairman Chairman

Place : DombivliDate : 17.06.2014

Subject to our report of even date For Chokshi & ChokshiChartered AccountantsFirm Registration No.101872W

CA. Nilesh R. JoshiPartnerMembership No.114749Internal AuditorsPlace : DombivliDate : 17.06.2014

Subject to our report of even dateFor M/S Kirtane & PanditChartered AccountantsFirm Registration No.105215W

26

324.54 5.95 9.73 120.34 -

4,593.15

659.34

22,910.27 (434.29) (17,806.67) (12,060.52) 1,218.41 167.48

(8.43) (1,280.00)

(327.78) 46.34

452.36 745.73 7.76

(816.70)

2,836.16

7,889.87

992.94 6,070.11

(1223.64)

(281.44)

389.15

(1,115.93)

12,946.28

11,830.35

(1,115.93)

31.03.2013 1,137.37

10,692.98 -

11,830.35

Deferred tax (Net) 555.83

CA. Sandeep D. WellingPartnerMembership.No. 044576PartnerStatutory AuditorsPlace : DombivliDate : 17.06.2014

167.48


Independent Auditor's Report(To be Given under Section 81(5-B) of The Maharashtra Co-operative Societies Act, 1960 and Rule 69 of Maharashtra Co-operative Societies Rules))To,The Member's of the Dombivali Nagari Sahakari Bank Ltd.

Report on Financial Statements1. We have audited the accompanying Financial Statements of Dombivli Nagari Sahakari Bank Ltd., Dombivli as at 31st March 2014 which comprises the Balance Sheet as at 31st March 2014, Profit and Loss Account and the cash flow statement for the year then ended, and a summary of significant accounting policies and other explanatory information.

Management's Responsibility for the Financial Statements: 1. Management is responsible for the preparation of these Financial Statements that give true and fair view of financial position, financial performance and cash flow of the bank in accordance with the Accounting Standards issued by the Institute of Chartered Accountants of India and Banking Regulation Act, complying with Reserve Bank of India Guidelines from time to time. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation of the financial statements that are free from material misstatement, whether due to fraud or error.

Auditors' Responsibility:2. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement. 3. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The Procedures selected depend on the auditor's judgement, including the assessment of the risks of material misstatement of the financial statement, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the bank's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluating the overall presentation of the financial statements. 4. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our Audit opinion.

Opinion: 5. In our opinion, as shown by books of bank, and to the best of our information and according to the explanation given to us, (a) The Balance Sheet and profit and loss account have been drawn up in form “N” given in Maharashtra State Co-operative Society Rule, 1961. read with the notes thereon is a full and fair Balance Sheet containing all the necessary particulars, is properly drawn up so as to exhibit a true and fair view of state of affairs of the Bank as at 31st March 2014 conformity with accounting principles generally accepted in India; (b) Profit and Loss Account, read with the notes thereon shows a true balance of profit, in conformity with accounting principles generally accepted in India, for the year covered by the account; and(c) The Cash Flow Statement gives a true and fair view of the cash flows for the year ended on that date.

KIRTANE & PANDIT Chartered Accountants

H/16, Saraswat Colony, Sitaladevi Temple Road, Mahim,Mumbai - 400 016, India. Phone : +91 22-24444119, 24469713

Fax : +91 22-24441147 E-mail: [email protected] Website: www.kirtanepandit.com

Emphasis of Matter:6. We draw attention to Note VII to the financial statements, which describes the accounting treatment of the expenditure on creation of Deferred Tax Liability on Special Reserve under section 36(1)(viii) of the Income Tax Act, 1961 as at 31st March 2014, pursuant to RBI's Circular No. UBD. CO. BPD. PCB. Cir. No.67/09.50.001/2013-14 dated 30th May,2014. Our opinion is not qualified in respect of this matter.”

Report on Other Legal and Regulatory Requirements:7. Subject to the limitations of the audit indicated in paragraph 1 to 5 above and as required by the Maharashtra State Co-operative society Act, 1960, and Rules made there under and by the Banking Regulation Act, 1949 as applicable to the Cooperative Societies, in the manner so required when read with the notes to accounts and our observations contained in the detailed Report in Part A, B & C, give a true & fair view.

8. subject also to the limitations of disclosure required therein we report that:

a. We have obtained all the information and explanations which to the best of our knowledge and belief were necessary for the purpose of the audit and have found them to be satisfactory.

b. The transactions of the bank which have come to my notice have been within the powers of the Bank.

c. The returns received from the offices and branches of the Bank have been found adequate for the purposes of our audit.

9. In our opinion, the Balance Sheet, Profit and Loss Account andCash Flow Statement comply with the applicable accounting standards.

For Kirtane & Pandit Chartered Accountants,FRN: 105215WSandeep D. WellingPartnerMembership Number: 044576

Place: DombivliDate: 17th June, 2014

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AUDIT CLASSIFICATION LETTER As per the norms of Audit Classification of Primary Urban Co-operative Bank and as per Guidelines of Commissioner for Co-operation & Registrar of Co-operative Societies, Maharashtra State, Pune-411001, We are pleased to award "A" Class to "Dombivli Nagari Sahakari Bank Ltd." Madhukunj, Plot No. P-52, M.I.D.C. Phase II, Kalyan Shil Road, Sonarpada, Dombivli (East) 421204 for the financial year 01.04.2013 to 31.03.2014.


Doubtful and Loss assets and provisions are made in accordance with the prudential norms prescribed by RBI. Amount recovered against debts written-off in earlier years is recognized as income in the Profit and Loss account in the year of recovery.

5. Investments ClassificationIn terms of extant guidelines of the RBI, the entire investment portfolio is categorized as:

i. Held To Maturity, ii. Available For Sale and iii. Held For Trading.

Investments under each category are further classified as:

i. Government Securities ii. Other Approved Securities iii. Shares iv. Debentures and Bonds v. Others

Basis of Classificationa) Investments that the Bank intends to hold till maturity are classified as 'Held to Maturity'.

b) Investments that are held principally for resale within 90 days from the date of purchase are classified as 'Held For Trading'.

c) Investments, which are not classified in the above two categories, are classified as 'Available For Sale'.

d) An investment is classified as 'Held To Maturity', 'Available For Sale' or 'Held For Trading' at the time of its purchase and subsequent shifting amongst categories and its valuation is done in conformity with regulatory guidelines.

Valuation

i) In determining the acquisition cost of an investment:

a) Brokerage, commission, stamp duty and other taxes paid in respect of acquisition of investments are charged to revenue.

b) Broken period interest paid/ received is excluded from the acquisition cost/ sale and treated as interest expense/ income.

c) Cost is determined on the weighted average cost method.

A. SIGNIFICANT ACCOUNTING POLICIES

1. Basis of PreparationThe accompanying financial statements have been prepared, by following Going Concern concept, on historical basis and accrual basis of accounting (except otherwise stated) and conform, in all material aspects, to Generally Accepted Accounting Principles (GAAP) in India which encompasses applicable statutory provisions, regulatory norms prescribed by Reserve Bank of India (RBI), Accounting Standards (AS) and prevailing practices in the Banking industry.

2. Use of EstimatesThe preparation of financial statements requires the management to make estimates and assumptions that affect the reported amount of assets, liabilities, expenses, income and disclosure of contingent liabilities as at the date of the financial statements. Management believes that these estimates and assumptions are reasonable and prudent. However, actual results could differ from estimates. Any revision to accounting estimates is recognized prospectively in current and future periods.

3. Revenue RecognitionRevenue is recognized to the extent it is probable that the economic benefits will flow to the Bank and the revenue can be reliably measured:

i. Interest income is accrued except in the case of non performing assets where it is recognized upon realization as per the prudential norms of the RBI.

ii. Commissions on LC/ guarantee are reckoned over the period of LC/ Guarantees on quarterly basis.

iii. Dividend income declared and distributed is accounted on receipt basis.

iv. Overdue Locker rent is accounted for on receipt basis.

v. Commission (except insurance commission and LC/ Bank guarantee commission), exchange , brokerage are accounted for as income on receipt basis.

4. Advances and ProvisionsAdvances are classified into Standard, Sub-standard,

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(II) Depreciation on assets including of rented premise (other than computers) is provided on written down value (WDV) at the following rates :

Asset Depreciation RatePremises 05%

Furniture and fixtures 15%

Motor vehicles 20%

Plant & Machinery including

ATM , UPS & batteries 25%

(III) Depreciation on additions of fixed assets during the year is provided for the days the asset is put to use (upto year ending 31.03.12, it was provided for from the month the asset is put to use). Depreciation on sale of assets is provided upto the date prior to the date of sale.

(IV) Depreciation on Computers is provided as per straight line method (SLM) at the rate of 33.33% for the number of days the asset is put to use (upto year ending 31.03.11, it was provided for from the month the asset is put to use).

(V) Profit or loss on sale / disposal of assets is recognised in the year in which the sale / disposal takes place.

7. Employee Benefits:(i) Post-employment benefit plans

a) Payments to defined contribution schemes are charged as expense as they fall due.

b) For defined benefit schemes, the cost of providing benefits is determined using the Projected Unit Credit Method, with actuarial valuations being carried out at each Balance Sheet date for Leave Encashment and Group Gratuity Scheme. Actuarial gains or losses are recognized in the Profit & Loss A/c for the period in which they occur.

8. Income Taxi. Tax expense comprises of current and deferred tax.

ii. Deferred tax for timing differences between the book and taxable profits for the year is accounted for, using the currently enacted tax rates and laws as of the balance sheet date. Deferred tax assets arising from timing differences are recognized to the extent there is

ii) Investments in 'Held To Maturity' are carried at acquisition cost unless it is more than the face value, in which case the premium is amortized on pro rata basis over the remaining period of maturity. Profit on sale of investments in this category is first credited to Profit and Loss Account and thereafter appropriated to the Capital Reserve Account at the year / period end. Loss on sale is recognized in the Profit and Loss Account.

iii) Investments in 'Held For Trading' and 'Available For Sale' are marked to market scrip-wise and the resultant net depreciation, if any, in each category is recognized in the Profit and Loss account, while the net appreciation, if any, is ignored.

a) Treasury Bills, commercial papers and certificates of deposit being discounted instruments are valued at carrying cost,b) In respect of traded/ quoted investments, the market price is taken from the trades/ quotes available on the stock exchanges. Government Securities are valued at market prices or prices declared by Primary Dealers Association of India (PDAI) jointly with Fixed Income Money Market and Derivative Association of India (FIMMDA). c) The unquoted fixed income securities (other than government securities) are valued on Yield to Maturity (YTM) basis with appropriate mark-up over the YTM rates for Central Government securities of equivalent maturity. Such mark-up and YTM rates applied are as per the relevant rates published by FIMMDA.d) Profit or Loss on sale of investments is credited/ debited to Profit and Loss Account (Sale of Investments).iv) Non-Performing Investments are recognized as per RBI guidelines and provision is made as per RBI norms applicable to Non-Performing Investments.

6. Fixed Assets and depreciation:(I) Fixed assets are carried at cost less depreciation except wherever revalued. All costs relating to the acquisition and installation of fixed assets are capitalized upto the date the asset is ready for intended use. The appreciation on revaluation, if any, is credited to the `Revaluation Reserve' Account. In respect of revalued assets, the additional depreciation consequent to revaluation is transferred from Revaluation Reserve to the Revaluation of Building A/c (Asset side) included in the land and building head.

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ii. Dividends remaining unclaimed for 3 years are transferred to Statutory Reserve Fund. 12. Provisions, Contingent Liabilities and Contingent AssetsI. In conformity with AS 29 on Provisions, Contingent Liabilities and Contingent Assets, the Bank recognizes provisions only when it has a present obligation as a result of a past event where it is probable that an outflow of resources embodying economic benefits will be required to settle the obligation, in respect of which a reliable estimate of the amount of the obligation can be made. Provisions are not discounted to their present value .

ii. Contingent Assets are not recognized.

13. Accounting for Merger During earlier years two banks were merged with the Bank. Since the net worth of the Banks was negative the same has been recognized as the cost of acquisition and is being amortized over the period of five years in accordance with the RBI guidelines.

14. Net Profit or Loss for the period, Prior Period Items and Changes in Accounting PoliciesThe financial statements prepared represent the ordinary activities undertaken by the Bank as part of its business. The Bank recognises an income or expense as an Extraordinary item which is distinct from its ordinary activities of the enterprise and, therefore, are not expected to recur frequently or regularly.

The Bank recognises any income or expense which relates to a period prior to the reporting financial year as a prior period item.A change in an accounting policy is made by the Bank only if the adoption of a different accounting policy is required by statute or for compliance with an accounting standard or if it is considered that the change would result in a more appropriate presentation of the financial statements of the enterprise. Also any such change having a material impact in the current period or future period is recognised and disclosed separately.

reasonable certainty that these would be realized in future and are reviewed for the appropriateness of their respective carrying values at each balance sheet date.

iii. Deferred tax assets in case of unabsorbed losses are recognized only if there is virtual certainty that such deferred tax asset can be realized against future taxable profits.

iv) Deferred Tax Assets are reassessed at each reporting date, based upon management’s judgement as to whether the realisation is reasonably certain.

9. Earnings Per Share

I. Basic and diluted Earnings per Share is computed in accordance with AS 20. Basic Earnings per Share is computed by dividing the net profit after tax by the weighted average number of equity shares outstanding for the year.ii. Diluted Earnings per Share reflect the potential dilution that could occur if the securities or other contracts to issue equity shares were exercised or converted during the period. Diluted Earnings per Share is computed by dividing the net profit after tax by the sum of the weighted average number of equity shares and dilutive potential equity shares outstanding at the year end.

10. Impairment of Assets Fixed Assets are reviewed for impairment whenever events or changes in circumstances warrant that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to the estimated current realizable value. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the asset exceeds estimated current realizable value of the asset. Impairment Losses, if any, are recognized and charged to profit and loss account in accordance with the AS – 28 “Impairment of Assets” issued by the Institute of Chartered Accountants of India.

11. Reserve Fund and other reserves

I. Entrance fees and Nominal membership fees is transferred to Statutory Reserve Fund in year in which the same is collected.

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B. NOTES TO ACCOUNTS A Disclosure Requirements as per Accounting Standards

I. DEPRECIATION ON FIXED ASSETS (AS-6)I. The Bank has revalued its Land & Buildings based on valuations made by independent valuers during Financial Year

2007-08 and 2012-13. The net appreciation of ` 740.84 lacs and ` 1963.89 lacs respectively was credited to Revaluation

Reserve. An amount of ̀ 47.59 lacs (p.y. ̀ 12.02 lacs) being current year's depreciation on revalued building has been set-

off against the Revaluation Reserve. The accumulated depreciation on revalued building as on 31/03/2014 is ̀ 130.79 lacs

(p.y. ̀ 83.20 lacs).

II. WRITE-OFF OF COST OF ACQUISITION OF MERGED BANKS (AS -14)

I. Shri Shivneri Sahakari Bank Ltd.

Pursuant to Order No. URB/D4/SHIVNERI/DOMBIVLI/110A/AORD/2007 dated 13th September 2007 issued by office of the Commissioner for Co-operation and Registrar of Co-operative Societies, Shri Shivneri Sahakari Bank Ltd. (transferee Bank) was merged with the Bank. Since the transferee bank had negative net worth, the excess of book value of liabilities over

the book value of the assets taken over, amounting to ̀ 1,239.16 lacs was considered as Cost of acquisition (Goodwill) and the same was amortized over a period of five years in five equal instalments in accordance with RBI circular-UBD.PCB.Cir No. 5 dated 13th July, 2007 and cost of acquisition of the said bank is now stands fully written off in F.Y. 2011-12. The said

Cost of Acquisition includes the share capital of the said Bank to the tune of ` 146.35 lacs. As per the Merger Order, the Share Capital will be refunded to the Shareholders of the erstwhile Shri Shivneri Sahakari Bank Ltd., only if entire cost of Acquisition is recovered during 10 years from the date of acquisition. However as a matter of prudence the Bank has accounted the liability in respect of share capital payable to shareholder of erstwhile Shri Shivneri Sahakari Bank Ltd which is correspondingly represented as part of cost of acquisition.

ii. Suvarna Mangal Mahila Sahakari Bank Ltd.

Pursuant to order no. URB/D4/SUVARNA MANGAL/DOMBIVLI BANK/MERGER/09/3211 dated 31st December 2009 issued by office of the Commissioner for Cooperation and Registrar of Co-operative Societies, Suvarna Mangal Mahila Sahakari Bank Ltd. (transferee Bank) was merged with the Bank. Since the transferee bank had negative net worth, the excess of

book value of liabilities over the book value of the assets taken over, amounting to ̀ 947.67 Lacs was considered as Cost of acquisition (Goodwill) and the same is to be amortized over a period of five years five equal instalments in accordance with RBI circular- UBD.PCB.Cir No. 5 dated 13th July, 2007. The said Cost of Acquisition was including the share capital of the said

Bank to the tune of ` 135.67 lacs. As per the Merger Order, the Share Capital will be refunded to the Shareholders of the erstwhile Suvarna Mangal Mahila Sahakari Bank Ltd., only if entire cost of Acquisition is recovered during 10 years from the date of acquisition. However as a matter of prudence the Bank has accounted the liability in respect of share capital payable to shareholder of erstwhile Suvarna Mangal Mahila Sahakari Bank Ltd which is correspondingly represented as

part of cost of acquisition. Consequentially ̀ 162.40 lacs has been charged to Profit & Loss account during the current year and this being fifth year of write off, the total cost acquisition of the said bank now stands fully written off excluding Share Capital Amount.

The Bank has maintained “Collection Account” in respect of share capital of the merged banks and in case the recovery from the sources as mentioned in the order of the Commissioner for Cooperation and Registrar of Co-operative Societies, is more than the cost of acquisition, then the resulting excess will be refunded to the shareholders of merged banks on pro rata basis at the end of ten years.


As at March 31, 2014 (` in Lacs)

a) Change in Defined Benefit Obligations: Projected benefit obligation, beginning of the year (April 1, 2013) 903.00 Interest cost 70.00 Current Service cost 50.00 (Benefits paid) (41.40) Actuarial (gain)/loss 68.80 Liabilities Assumed on Acquisition/(Settled on Diveestiture) 0.00 Projected benefit/obligation, end of the year 1050.40

b) Change in Fair Value of Plan Assets: Fair value of plan assets, beginning of the year (April 1, 2013) 804.00 Expected return on plan assets 60.00 Employer's contributions 99.00 Employer's contributions on account of merger 0.00 Benefits paid (41.40) Actuarial gain / (loss) 7.00 Fair value of plan assets at the end of the year 928.60

c) Amount Recognised in the Balance Sheet Present value of benefit obligation at March 31, 2014 1050.00 Transitional (Liability) to be recognized/provided in future 0.00 Net Present value of benefit obligation at March 31, 2014 1050.00 Fair Value of Plan assets at March 31, 2014 928.60 Surplus/(Deficit) recognized in the Balance Sheet (121.80)

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III. EMPLOYEE BENEFITS (AS-15) (REVISED)I. Defined Contribution SchemesBank's employees are covered by Provident Fund to which the Bank makes a defined contribution measured as a fixed percentage of basic & Variable D.A. salary. During the year an amount of ̀ 133.99 lacs (P.Y. ̀ 127.98 Lacs) has been charged to Profit and Loss account and deposited with the Commissioner of Provident Fund, Thane towards provident and family pension funds.

ii. Defined Benefit SchemesThe Bank makes contributions for the gratuity liability of the employees, to the Dombivli Nagari Sahakari Bank Employees Group Gratuity Trust'. The said Group Gratuity Scheme funds are invested in LIC, HDFC, Bajaj Life & Kotak Mahindra Old Mutual Life Insurance Limited.The present value of these defined benefit obligations and the related current service cost are measured using the Projected Unit Credit Method (PUCM) with actuarial valuation being carried out at each balance sheet date.

The following table sets out the status of the defined benefit schemes and the amounts recognised in the Bank’s financial statements as at March 31, 2014 based on the actuarial valuation report obtained by the bank as required under AS-15® and the Guidance Note issued by the Institute of Actuaries of India .


As at March 31, 2014 (` in Lacs)

d) Net cost for the year ended March 31, 2014 Service cost 50.00 Interest cost 70.00 (Expected return on plan assets) (60.00) Net Actuarial (gain)/loss 61.80 Net cost 121.80

e) Balance Sheet Reconciliation Opening Net Liability 99.00 Expenses as above 121.80 (Employer's Contribution) (99.00) Net Liability /( Asset) recognized in Balance Sheet 121.80

f ) Category of Assets as at March 31, 2014 Insurer Managed Funds 928.60 Others NIL Total 928.60

g) Assumptions used in accounting: Discount rate 9.00% Rate of Return on plan assets 7.50% Salary escalation rate 6.00% Attrition Rate 1.00% Mortality Table Indian Assured Mortality (2006-08) ULT

h) Other details: No of members 606 Salary p.m. 13458333 Retirement Age 58 Years

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The expected return on plan assets is determined considering several applicable factors mainly the composition of the plan assets

held, assessed risk of assets management, historical results of the return on plan assets and the policy for plan assets management.

iii. Other long term benefits.Employees of the Bank are entitled to accumulate their earned/ privilege leave upto a maximum of 240 days. A maximum of 30 days

leave is eligible for encashment in each year.

The Bank has carried out actuarial valuation of these benefits using the Projected Unit Credit Method as required by RBI and by the

Accounting Standard 15 issued by the ICAI. The actuarial value of total leave encashment liability as on 31.03.14 works out to ̀ 420.76

Lacs. The bank has booked a total liability of ̀ 428.97 Lacs (previous year ` 352.31 Lacs) by making provision of ` 76.67 Lacs during

this year. The said liability has been worked out based on same assumptions and details used for working out gratuity liability, except

that the average future service period has been assumed as 16 years in this case, as against ̀ 9.72 years in the gratuity working, relying

on the working certified by different actuarial valuers.


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IV. SEGMENT REPORTING (AS-17)

I. The bank operates in two segments- Banking & Non Banking Services and Treasury services. These segments have been identified in line with AS-17 on Segment Reporting after considering the nature and risk profile of the products and services, the target customer profile, the organization structure and the internal reporting system of the bank. The bank has disclosed business segment as the primary segment. The bank operates only in Maharashtra, where geographical risk and returns are similar hence there are no reportable geographical segments.

II. Segment revenue, results, assets and liabilities include the amounts identifiable to each of the segments as also amounts allocated, as estimated by the management. Assets and liabilities that cannot be allocated to identifiable segments are grouped under unallocated assets and liabilities.

(` in Lacs)

Sr. Particulars Year ended Year ended

No March 31, 2014 March 31, 2013

a. Segment Revenue

Banking & Non Banking 21,437.39 19,301.26

Treasury 9,272.88 8,740.39

TOTAL 30,710.27 28,041.65

Less :-Segment Cost and Provisions


Treasury 8,935.44 6,924.46

TOTAL 27,887.38 24,572.22

b. Segment Results -Profit/(loss) before tax


Treasury 337.44 1,815.93

TOTAL 2,822.89 3,469.43

Less: Other unallocable expenditure net of Unallocable income 162.40 137.22

Total profit before tax 2,660.49 3,332.21

Income taxes -555.83 496.05

Net profit after Tax 3,216.32 2,836.16

c. Segment assets


Treasury 101,434.75 90,461.01

Unallocated corporate assets 2,687.31 1,902.07

Total assets 353,666.04 286,044.29

d. Segment liabilities


Treasury 5,213.44 3,352.53

Unallocated corporate liabilities 19,804.41 18,158.53

Total liabilities 353,666.04 286,044.29


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V. RELATED PARTY DISCLOSURES (AS-18)

The Bank has disclosed the necessary information regarding related parties to the extent permissible by the Banking Regulation Act, 1949 by way of loans given to Directors and their relatives.

There are no Related Parties requiring disclosure under Accounting Standard 18 (AS 18) issued by the I.C.A.I. other than Key Management Personnel of the Bank i.e. Mr. Gopal Giridhar Paranjpe, the General Manager.

However in terms of the R.B.I. Circular dated 29.03.2003, General Manager being a single party covered by thiscategory, no further details need to be disclosed.

VI. EARNINGS PER SHARE (EPS) (AS-20) Year ended Year ended March 31, 2014 March 31, 2013

Net profit considered for EPS calculation (` in Lacs) 3216.32 2836.16

Weighted average number of equity shares considered for Basic EPS 1,39,00,048 1,21,81,897

Add: Dilutive impact of shares pending allotment 1,10,070 54,840

Weighted average number of equity shares considered for Diluted EPS 1,40,10,118 1,22,36,736

EPS (Basic) 23.14 23.28

EPS (Diluted) 22.96 23.18

Face value per Equity share ` 50/- ` 50/-

(` in Lacs)

VII. ACCOUNTING FOR TAXES ON INCOME (AS-22)I) Deferred Tax Assets/Liabilities For the year Balance Balance ended as on as on

March 31, 2014 March 31, 2014 March 31, 2013

Deferred Tax Asset (Others)

Leave Encashment 23.69 132.54 108.86

VRS Compensation -10.90 0.00 10.90

Provision of BDDR* (Net) 170.46 1,169.00 998.53

Carry Forward Loss 383.00 383.00 0.00

Total (A) 566.25 1684.54 1,118.29

Deferred Tax Asset (Fixed Assets)

Depreciation on fixed assets -10.42 21.56 31.98

Total (B) -10.42 21.56 31.98

Sub Total (A) + (B) 555.83 1,706.10 1,150.27

Deferred Tax Liabilities

Special Reserve u/s 36 (1) (viii) of Income Tax Act,1961. -248.32 -248.32 0.00

Total Deferred tax Asset(Net)

(A) + (B)+ (C) 307.51 1,457.78 1,150.27

'Pursuant to Reserve Bank of India 's (RBI 's) Circular No.UBD.CO.BPD.PCB.Cir.No.67/09.50.001/2013-14 dated May 30,2014 the bank created Deferred Tax Liability on the Special Reserve under section 36(1)(viii) of The Income Tax Act,1961. As required by the said RBI Circular,the expenditure amounting to ̀ 248.32 lacs due to the creation of DTL on Special Reserve as at March 31,2014, not previously charged to Profit & Loss Account, has now been adjusted directly from the Reserves. Had this amount been charged to the Profit & Loss Account in accordance with the generally accepted accounting principles in India, the amount of Profit for year had been lower by such amount.'

(` in Lacs)


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VIII. IMPAIRMENT OF ASSETS (AS-28)Fixed assets acquired by the bank are treated as 'Corporate Assets' and are not 'Cash Generating Unit' as defined by AS-28. In the opinion of the management there is no impairment of any of the fixed assets of the Bank.

IX. PROVISIONS CONTINGENT LIABILITIES AND CONTINGENT ASSETS (AS 29)During the years 2007-2009 few income tax refund orders deposited in the bank, were sent for collection to State Bank of India, Kalyan / Thane. On presentation, same were honored by State Bank of India and amounts were credited to accounts of respective customer of the Bank. The Amount of refund orders collected was ` 2.98 Crs. Subsequently The Income Tax Department raised dispute about the encashment of refund orders, purportedly alleging the wrongful / improper encashment of the refund orders. The legal proceedings are underway against concerned parties and bank is not party to such legal proceedings. On the basis of legal opinion obtained and as per governing principals of Accounting Standard 29 (AS 29) (Provision, Contingent Liabilities and Contingent Assets) issued by the Institute of Chartered Accountants of India, the bank has not provided for the liability in the books of accounts.

B. DISCLOSURES REQUIRED AS PER RBI GUIDELINES INCLUDING RBI CIRCULARS DATED30 OCTOBER 2002, 06 MARCH 2003 AND 01 MARCH 2005

I. CAPITAL ADEQUACY Items Current Year Previous Year

1 CRAR (%) 13.48% 14.12% 2 CRAR - Tier I Capital (%) 9.72% 9.95% 3 CRAR - Tier II Capital (%) 3.76% 4.17% 4 Risk Weighted Assets 169,464.38 138,839.49 5 Total Capital Funds 22,856.52 19,603.95

(` in Lacs)

ii) Provision of Taxation

For the year For the year ended March ended March 31, 2014 31, 2013

Income Tax 0.00 1,489.00

(` in Lacs)

Sr.No. Items Current Year Previous Year

(1) Value of Investments (i)Gross Value of Investments 103,301.65 96,907.44 (ii)Provisions for Depreciation 2,227.96 1,073.40 (iii)Net Value of Investments 101,073.69 95,834.04

(2) Movement of provisions held towards depreciation on investments (i) Opening Balance 1,073.40 1,073.40 (ii)Add: Provisions made during the year 1,222.00 0.00 (iii)Less: Write-off/ write-back of excess provisions during the year (67.44) 0.00 (iv)Closing balance 2,227.96 1,073.40

(3) Disclosure: (i)Book value 103,301.65 96,907.44 (ii)Face value 102,056.39 96,742.07 (iii)Market value 97,564.36 96,076.32

(` in Lacs)II INVESTMENTS


Particulars Amount

Opening balance (as on April 1, 2013) 15.83 Additions during the year 0.00 Reductions during the year NIL Closing balance (as on March 31, 2014) 15.83 Total provisions held (excluding provision of ` 16 Lacs for diminution in the value of non performing Non SLR investments) 2212.13

B. NON PERFORMING NON-SLR INVESTMENTS

III. A. REPO TRANSACTIONSThe Bank has not entered into repo transactions during the year on which it has booked interest income of ̀ 0.00Lacs during the year. Details pertaining to the same are as follows:-

Minimum Maximum Daily Average Balance as on outstanding outstanding outstanding March 31,2014 during the year during the year during the year

Securities sold under repo I) Government Securities NIL NIL NIL NIL ii) Corporate debt securities NIL NIL NIL NIL Securities Purchased under reverse repo NIL NIL NIL NIL I) Government Securities 0.00 0.00 0.00 NIL ii) Corporate debt securities NIL NIL NIL NIL

(B.) As per R.B.I. guidelines investments are classified into 3 categories namely Available For Sale (AFS), Held For Trading (HFT) and Held To Maturity (HTM). The Bank does not hold any investment under Held For Trading (HFT) category.

In terms of above guidelines issued by the Reserve Bank of India, the Bank should build up Investment Fluctuation Reserve (IFR), to the extent of 5% of it's AFS/HFT investment portfolio which as on 31.03.14 stands at ` 387.65 Crores. The IFR requirement thereon works out to ̀ 19.38 Crores, against which the existing I.F.R. as on 31.03.14 is ̀ 21.21 Crores. Thus, there is no need to make any further provision for I.F.R. in the current year.

IV. A. ISSUER COMPOSITION OF NON-SLR INVESTMENTS (excluding interbank fixed deposits and excluding non-slr central govt securities)

37


(` in Lacs)

Sr.No. Issuer Amount Extent of Extent of Extent of Extent of Private 'Below 'Unrated' ‘'Unlisted’ Placement Investment Grade' Securities Securities Securities

(1) (2) (3) (4) (5) (6) (7)

(I) PSUs 5,192.77 NIL NIL NIL NIL

(ii) Fis 7,676.93 NIL NIL NIL NIL

(iii) Banks (Bonds) 2,506.20 NIL NIL NIL NIL

(iv) Private corporate 532.53 NIL NIL NIL NIL

(v) Subsidiaries / Joint ventures NIL NIL NIL NIL NIL

(vi) Others 159.92 NIL NIL NIL NIL

(vii) Provision held towards depreciation NIL NIL NIL NIL

Net Total 16,068.35

(` in Lacs)

(` in Lacs)

Sr. No. Description As on As on As on 31.03.2014 31.03.2014 31.03.2014 Book Value Face Value Market Value

1 Government Securities 82,483.94 81,255.10 76,958.47

2 Other Approved Securities 0.00 0.00 0.00

3 Bonds of PSUs 5,192.77 5,200.00 4,972.26

4 Bonds of AIFI & Other Bonds 8,209.46 8,211.93 8,310.37

5 Shares of Co-op. Societies 15.83 15.83 15.83

6 Bonds of Banks 2,506.20 2,490.00 2,432.47

7 Units Of UTI / Mutual Fund 159.92 150.00 141.43

8 FDR/ Term money with Banks 4,733.53 4,733.53 4,733.53

Total 103,301.65 102,056.39 97,564.36

V. Details of Book Value, Market Value & Face Value of Investments held as of 31.03.2014 are as follows:

VI. Assets Quality1. Non-Performing Assets (Loans & Advances, interest accrued thereon)

Particulars Current Year Previous Year

(i) Movement of NPAs (Gross) (a) Opening balance 10,987.53 6,802.20 (b) Add: Additions during the year 7,544.75 5,672.45 (c) Less: Reductions during the year (10,305.53) (1,487.12) (d) Closing balance 8,226.75 10,987.53 (e) Percentage of Gross NPAs to Gross Advances 3.86 % 6.70 %

(ii) Movement of Net NPAs (a) Opening balance 1,323.60 (152.00) (b) Add: Additions during the year 4,054.55 2,251.92 (c) Less: Reductions during the year (2,054.59 ) (776.31 ) (d) Closing balance 3,323.56 1,323.60 (e) Percentage of Net NPAs to Net Advances 1.60 % 0.86 %

(iii) Movement in provisions for NPAs (excluding provisions on standard assets) (a) Opening balance 9,663.93 6,954.20 (b) Add: Additions during the year 3,490.20 3,420.53 (c) Less: Reductions during the year (8,250.94) (710.81) (d) Closing balance 4,903.19 9,663.93 (iv) Provisioning Coverage Ratio after considering proposed appropriation towards BDDR of ` 1,030.00 Lacs (previous year ` 730.00 Lacs) 59.60% 87.95%

38

(` in Lacs)

(` in Lacs)


2. DETAILS OF LOAN ASSETS SUBJECTED TO RESTRUCTURING AS ON 31 MARCH, 2014

39

(` in Lacs)

Housing SME DEBT Others Loans Restructuring

Standard No. of Borrowers NIL 7 11

advances Amount Outstanding NIL 653.82 1,193.75

restructured Sacrifice (diminution in the fair value) NIL 0.06 9.23

Sub Standard No. of Borrowers NIL NIL NIL

advances Amount Outstanding NIL NIL NIL

restructured Sacrifice (diminution in the fair value) NIL NIL NIL

Doubtful No. of Borrowers NIL NIL NIL

advances Amount Outstanding NIL NIL NIL

restructured Sacrifice (diminution in the fair value) NIL NIL NIL

TOTAL No. of Borrowers NIL 7 11

Amount Outstanding NIL 653.82 1,193.75

Sacrifice (diminution in the fair value) NIL 0.06 9.23

Out of which: No. of Borrowers NIL 1 0

Account that Amount Outstanding NIL 179.20 0.00

have turned Sacrifice (diminution in the fair value) NIL NIL NIL

Non-performing

subsequent to

restructuring

As per extant guidelines of RBI, for current year, amount outstanding towards restructured advances is the amount outstanding towards the restructured facility of the respective borrower.

Items CurrentYear Previous Year

Opening balance 565.82 547.82

Add: Addition during the year 204.50 18.00

Less: Reduction during the year 0.00 0.00

Closing Balance 770.32 565.82

3. MOVEMENT IN PROVISION ON STANDARD ASSET


(` in Lacs)

40

Sr. No. Items Current Year Previous Year

1 Interest Income As A Percentage Of Average Working Funds 10.03% 9.90%

2 Non-interest Income As A Percentage Of Average Working Funds 0.86% 0.93%

3 Operating Profit As A Percentage Of Average Working Funds 2.56% 2.62%

4 Return On Assets 1.14% 1.09%

5 Average Cost Of Deposit 7.29% 7.38%

6 Average Business (deposits Plus Advances) Per Employee 665.71 615.74 7 Profit Per Employee 5.31 4.71

(` in Lacs)

VIII. PRUDENTIAL EXPOSURE LIMITS

During the year ended March 31, 2014, the Bank's exposure to single borrowers and group of borrowers were within the prudential exposure limits prescribed by RBI.

IX. BREAK UP OF 'PROVISIONS AND CONTINGENCIES' SHOWN UNDER THE HEAD EXPENDITURE IN PROFIT AND LOSS ACCOUNT

Particulars Current year Previous year

Provision for depreciation on Investment (Net) 1,222.00 0.00

Provision towards NPA (Net) 2,460.20 2,690.53

Provision towards Standard Asset 204.50 18.00

Provision for Restructured Assets 0.00 0.00

Provision made towards Taxes 0.00 1,489.00

Deferred Tax Assets (Net) (555.83) (992.94)

Other Provision and Contingencies 666.62 741.38

Total 3,997.49 3,945.97

(I) No. of Complaints at the beginning of the year NIL

(ii) No. of Complaints received during the year 7

(iii) No. of Complaints redressed during the year 7

(iv) No. of Complaints pending at the end of the year NIL

(` in Lacs)

X. DISCLOSURE OF COMPLAINTS/AWARDS1. Customer Complaints

2. No Awards were passed by the Banking Ombudsman


VII. BUSINESS RATIOS

41

XI. FEES AND REMUNERATION RECEIVED IN RESPECT OF BANCASSURANCE BUSINESS (` in Lacs)

Particulars Current Year Previous Year

Life Insurance Business 87.75 66.09 Non Life Insurance Business 28.50 18.51

XII. DURING THE YEAR THE RESERVE BANK OF INDIA HAS NOT IMPOSED ANY KIND OF PENALTY ON THE BANK.

XIII. ADDITIONAL INFORMATION:

Sr. No Particulars Current Year Previous Year

1. Advance against real estate including construction business and housing 31,659.29 27,785.23

2. Advance against shares and debentures 0.00 0.00

3. Advance to directors and their relatives, companies/ firms in which they are interested a) Fund Based (against FDR) 20.06 00.00 b) Non Fund Based 0.00 0.00

4. DICGC premium paid upto March 14 March 13

5. Foreign Currency assets and liabilities Not Applicable Not Applicable

NOTE:- As on date, the DICGC premium is paid upto September 2014 (FOR P.Y. upto September 2013)

C. OTHERS

I. CBLO LENDINGThe Bank has been lending under Collateralized Borrowing and Lending Obligations (CBLO) facility, arranged by Clearing Corporation of India Limited (CCIL). As per extant guidelines of R.B.I., CBLO Lending if repayable beyond 15 days is to be classified under short term advances secured against government and other approved securities. Accordingly the bank has classified CBLO Lending of ` 6,925.38 lacs under the short term advances secured against Government and other approved securities as on the date of Balance Sheet.

II. BAD DEBTS WRITTEN OFFNPAs having outstanding Principal balance of ` 30,73,73,022.30 and interest accumulated thereon ` 18,70,39,147.70 were approved for write off by the previous Statutory Auditor and the Annual General Meeting dated 11 August 2013 and NPAs having outstanding Principal balance of ` 62,00,53,779.05 and interest accumulated thereon` 18,84,54,918.80 were approved for write off by the Statutory Auditor and Special General body meeting dated28 March 2014. Accordingly total principal outstanding (net of recovery) of ` 82,50,93,972.10 has been written off from the P & L A/c. Interest accumulated thereon has also been written off by debiting Overdue Interest Reserve A/c (OIR) and crediting Interest Receivable (IR) A/c.


42

FOR DOMBIVLI NAGARI SAHAKARI BANK LIMITED

G. G. Paranjpe Mrs.N. S. Kulkarni J.B.Pitre U. M. KarveCEO & General Manager Director Vice-Chairman Chairman

Subject to our report of even date Subject to our report of even dateFor Chokshi & Chokshi For Kirtane & Pandit Chartered Accountants Chartered AccountantsFirm Registration No.101872W Firm Registration No.105215W CA. Nilesh R. Joshi CA. Sandeep D. WellingM.No.114749 M.No. 044576Partner PartnersInternal Auditors Statutory AuditorsPlace : Dombivli Place : DombivliDate : 17.06.2014 Date : 17.06.2014


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III. TIER-II CAPITALThe Bank has raised Subordinate debt by way of Long term Deposit @ 9% p.a., qualifying for Tier II Capital, the balance of which as on 31.03.14 is ̀ 21.22 Crores.

Name of the Bank : Dombivli Nagari Sahakari Bank Ltd (Scheduled Bank)

Registered Office Address : Madhukunj', Plot No. P-52, MIDC Phase II, Kalyan Shil Road, Sonarpada, Dombivli (East) - 421204.

Registration No. & date : TNA/BNK/127 dated 4th July, 1970

No. & Date of RBI Licence : ACD/MH/227 (P) dated 9th October, 1980

Jurisdiction : Maharashtra State

Items : Particulars as of 31.03.2014

No. of Branches : 40

Membership - Regular : 82,026 Nominal : 76,426

Paid up share capital : ` 7,399.30

Total Reserves & Funds : ` 20,287.68

Deposits Savings : ` 67,683.54 Current : ` 15,120.30 Fixed : ` 225,976.84

Advances Secured : ` 205,667.06 Unsecured : ` 7,562.12

Overdue Percentage ( %) : 6.46%

Total % of Priority Sector : 43.95%

Total % of Weaker Sector : 10.38%

Borrowing : ` 7,683.29

Investments : A) Fixed Deposits 4,733.53 B) Others 98,568.13 ` 103,301.66

Audit Classification : ‘A' Grade

Profit of the year : ` 3,216.32

Total Staff - Sub Staff : 114 Others : 492

Working Capital : ` 281,923.52

ANNEXURE

(` in Lacs)

43


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BYE- PRESENT BYE-LAWS AMENDMENT WORDING OF THE REASON FORLAWS PROPOSED BYE-LAWS AS IT AMENDMENT & WOULD READ CLAUSE WHEN AMENDED NO.

8(a) The aggregate authorized Replace ` 100,00,00,000/- The aggregate A) Existing share capital of the bank is (Rupees One Hundred authorized share authorized limit consisting of Crores Only) by capital of the of ` 100.00 Crores ` 100,00,00,000/- (Rupees ` 200,00,00,000/- (Rupees bank is consisting will get subscribed one Hundred Crores Only) Two Hundred Crores Only) of ` 200,00,00,000/- in near future. divided into 2,00,00,000 & replace 2,00,00,000 (Rupees Two B) for assuring (Two Crores) shares (Two Crores) into Hundred Crores comfortable capital ` 50/- each 4,00,00,000 (Four Crores) Only) divided into adequacy even 4,00,00,000 in future, (Four Crores) shares augmenting ` 50/- each future capital is desirable. C) Overwhelming response for share subscription observed during all these years.

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AMENDMENT TO BYE-LAWS OF THE BANK TO BE PLACED AT THE GENERAL BODY MEETING DATED 12'TH JULY 2014

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47

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48

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19

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20 21


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18

Economy & Finance

Annual report 2013-14