96 TH ANNUAL REPORT

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1 Annual General Meeting NOTICE (Only for Members) The Annual General Meeting of the The Karad Urban Coop. Bank th Ltd., Karad will be held on Sunday, 4 Aug at a.m. at Head Office of the Bank, 516/2, Shahu Chowk, Shaniwar Peth, Karad to transact the following business. AGENDA 1. To read and confirm the minutes of the Special General Meeting held on To approve the Annual Report for the year alongwith Balance Sheet and Profit & Loss Account. 3. To take note of Statutory Auditor's Report To accord sanction to the appropriation of profit for the year ended Toappoint Statutory Auditors for the year and fix their remuneration. 6.(A) To consider and approve the proposal of conversion of bank (which is registered under MCS Act 1960) under Multi State Coop. Societies Act 2002 and to extend the area of operation of the bank in the whole states of Maharashtra, Karnataka & Gujarat and to approve all the matters related to it. (B) To consider and approve ByeLaws as per Multi state Cooperative Societies Act 2002, as recommended by the Board of Directors. 7. To Sanction the project of Rs.10 Crs. of the proposed expanssion of Head Office Building. 8. To Sanction the purchase of existing premises of Staff Training & Research Centre at Vidyanagar. 9. To confirm the waiver of interest and recovery charges in respect of OTS and compromise borrowers cases, as certified by the statutory auditors. 10. To sanction the Staffing Pattern of the bank. 11. To take note of loans and advances sanctioned to Directors and thier relatives. 12. To confirm the Capital Expences. 13. To consider any other subject with the permission of the Chairman. Members are hereby requested to attend the meeting. Place : KARAD DATE : 17/07/2013 By Order of the Board of Directors CA. D.M.Gurav CHIEF EXECUTIVE OFFICER NOTE : 1. Annual Report, BalanceSheet & P/L Account will be made available on pre intimation of the members at registered Head Office & all branches of the Bank. 2. Annual Report, BalanceSheet & P/L Account is published on Bank's website " 3. If there is no quorum the meeting will stand adjourned and the adjourned meeting will be conducted after one hour as per provisions in ByeLaw No.24 to transact the above business at the same venue. 4. Additional information, clarification, pertaining to above business is require, members are requested to write to the Head Office on or before Attendence Certificate as per amended CoOp. Law will be given to members attending the said meeting. Please note that, Attendence Certificate is the part of this Notice. Entry in the meeting hall is allowed only with this Notice & Photo ID. 96 ì`m dm{f H$ gd gmymau g^omr gymzm (\$ŠV g^mgxm gmr>r) {X H$amS> A~ Z H$moAm n. ~±H$ {c., H$amS>Mr 96 dr dm{f H$ gd gmymau g^m a{ddma {X. 4 Am JñQ> 2013 amoor gh$mir dmovm ~±Ho$Mo _w»` H$m`m c`, emhÿ Mm H$, 516/2, e{zdma nor>, H$amS> `owo KoÊ`mV `ouma Amho. `m g^ov Imcrc {df`m Mm {dmma hmob c. g^onwt>rc {df` 1) {X amoor Pmboë`m {deof gd gmymau g^omm d Îmm V dmmyz H$m`_ H$aUo. 2) gz dfm À`m ~±Ho$À`m H$m_H$mOm~Ôb Ahdmb, Z\$mVmoQ>m nìh$ d Vmio~ X nìh$_ Oya H$aUo. 3) gz À`m d Ym{ZH$boImnarjU AhdmbmMr Zm X KoUo. 4) gz À`m Z\$m dmq>urg _ Owar XoUo. 5) gz gmbmh$[avm d Ym{ZH$ boimnarjh$m Mr {Z`wº$s H$aUo d Ë`m Mm _ohzvmzm R>a{dUo. 6) A) ~±Ho$Mr _hmamï >ghh$ma H$m`ÚmÝd`o AgUmar Zm XUr _ëq>rñq>oq>h$mo Am naoq>rìh gmogm`q>ro A ŠQ> 2002 AÝd`o ê$nm VarV H$ê$Z H$m` joì _hmamï >, H$Zm Q>H$ Am{U JwOamV amá` H$aÊ`mg VgoM VX²AZwf {JH${df`m g _ Owar XoUo. ~) g MmcH$ _ S>imZo _ëq>rñq>oq> H$moAm naoq>rìh gmogm`q>ro A ŠQ> 2002 AÝd`o gwm{dcoë`m Cn{dYtMm {dmma H$aUo d Ë`mg _ Owar XoUo. 7) _w»` H$m`m c` B_maV àñvm{dv {dñvmarh$au àh$ën IM ê$. 10 H$moQ>r `mg _ Owar XoUo. 8) godh$à{eju d g emoyz H $Ð {dx`mzjamr B_maV IaoXr H$aÊ`mg _ Owar XoUo. 9) H$O ašh$_m ^aê`mgmr>r {Xboë`m gwq>rg _ Owar XoUo. 10) ñq>mq\$j n Q>Z bm _ Owar XoUo. 11) g MmbH$d Ë`m Mo ZmVodmB H$`m Zm {Xboë`m H$Om Mr Zm X KoUo. 12) ^m S>dbr IMm g _ Owar XoUo. 13) _mzzr` AÜ`jm À`m nadmzjrzo EoZdoir `oumè`m {df`m da MMm H$aUo. gxa g^og ~±Ho$À`m gd g^mgxm Zr CnpñWV ahmdo Aer Z_«{dZ Vr Amho. ñwi : H$amS {X. : _m. g MmcH$ _ S>imÀ`m AmXoemZwgma gre. [X. _. Jwad _w»` H$m` H$mar A{YH$mar Q>rn : 1. g MmbH$ _ S>imMm Ahdmb, Vmio~ X d Z\$mVmoQ>m nìh$ ho ~±Ho$À`m Zm XUrH $V _w»` H$m`m b`mv Am{U gd emim _YyZ g^mgxm gmr>r nyd gymzozwgma CnbãY H$ê$Z XoÊ`mV `ob b. 2. ~±Ho$Mr do~gmb Q> da g MmbH$_ S>imMm Ahdmb, Vmio~ X d Z\$mVmoQ>m nìh$à{gõ Ho$bm Amho. 3. JUnyVuA^mdr g^m VhHy$~ Pmë`mg Ë`mM {Xder Ë`mM {R>H$mUr nyd Kmo{fV doioz Va EH$m VmgmZo ~±Ho$À`m nmoq>{z`_ H«$_m H$ 24 _Yrc VaVwXrZwgma KoVcr OmB c. `m g^ov JUg»`m Zgcr Var darc gymzov Z_yX Ho$coë`m {df`m MmM {dmma Ho$cm OmB c. 4. Á`m g^mgxm Zm {df` n{ìho$vrc àíz qh$dm _m{hvr {dmmamd`mmr Agoc Ë`m Zr Vgo coir nì {X. 27 Owc 2013 n`ªv _w»` H$m`m c`mv AmUyZ Úmdo. 5. ZdrZ ghh$mar H$m`Úmg AZwgê$Z CnpñWV g^mgxm Zm g^og CnpñWV am{hë`m~ôbmo CnpñWVr à_munì XoÊ`mV `ouma Amho. gxa CnpñWV à_munì g^m gymzmnìmmm ^mj Agë`mZo g^omr gymzm àv d \$moq>mo AgUmao AmoiInÌ ~amo~a Agë`m{edm` g^mj hmv àdoe {Xbm OmUma Zmhr `mmr H $n`m Zm X `mdr 01

2 dm{f H$ Ahdmb ( ) gý_mzzr` g^mgx ~ Yy ^{JZtZmo, 31 _mm 2013 AIoa g ncoë`m Am{W H$ dfm Mm Ahdmc, Vmio~ X, Z\$mVmoQ>m nìh$ Am{U coimnarjh$m Mm Ahdmc g MmcH$_ S>imÀ`m dvrzo gmxa H$arV Amho. Am{W H$ dfm V {ZpíMV Ho$cocr C{Ôï>o gd godh$, g MmcH$ `m Zr gm {KH$ à`ëzm Zr gmü` Ho$cr AmhoV. `m_ü`o ~±Ho$Mm J«mhH$dJ, g^mgx Am{U {hvqmvh$`m Mo cm^coco `mojxmz {ZpíMVM _hîdnyu Amho. ` XmMo Am{W H$ df g {_l ñdê$nmmo hmovo. _hmjmb {ZX}em H$m V hmoumar dmt>{z` {ÌV H$aÊ`mMo _mor>o AmìhmZ [apìh ~±Ho$nwT>o hmovo. Ahdmc dfm V 4.75 % dê$z 4 % n`ªv gr.ama.ama.xamv H$nmV Pmcr. ~±qh$j B S>pñQ >Mm ì`dgm` dmt>rmm gamgar Xa 18% hmovm. Amnë`mhr ~±Ho$Zo ì`dgm` dmt>rmo hom à_mu amiê`mv `e {_i{dco Amho. R>odr : Am{W H$ àjvr Ahdmc dfm V ~±Ho$À`m R>odr ê$ H$moQ>tZr dmty>z Ë`m ê$ H$moQ>r Pmë`m. R>odt_Ü`o 18.45% Zr dmt>pmcr Amho. Ahdmc gmcmv A~ Z evmãxr R>od `moozm gwê$h$aê`mv Amcr. gxa `moozoa VJ V ê$ H$moQ>r R>odr g H${cV Pmë`m, 2017 AIoa Ë`m A VJ V ê$.100 H$moQ>r g H$cZmMm g H$ën Amho. Ahdmc dfm V R>od C^maUr IMm Mm gamgar Xa 8.34% BVH$m am{hcm Amho. [apìh ~±Ho$Zo JVdfuÀ`m nvymoaumv ì`šv Ho$coë`m Anojog AZwgê$Z ~±Ho$Zo gd gm_mý`m gmr>r "~o{gh$goìht½o ImË`m Mm' n`m ` CncãY H$ê$Z {Xcm Amho. {H$_mZ Amdí`H$H$mJXnÌm Ymao, AmYma H«$_m H$mer g c¾ amhumar Am{U "eyý`' {e H$sda hr ImVr CKS>cr AgyZ `m ImË`m Zm H$moUVohr ewëh$amh$maê`mv `ouma Zmhr. _mì E.Q>r.E_.gma»`m AË`mYw{ZH$gw{dYm CncãY H$ê$Z {Xë`m AmhoV. VgoM gah$mar g~{gs>rûmao {_iumar a $_ àmá H$aÊ`mÀ`m gw{dyomm cm^ gm_mý` J«mhH$m Zm XoIrc hmouma Amho. [apìh ~±Ho$Zo EH$m ImVoXmamgmR>r EH$M g Ho$Vm H$Agcm nm{hoo Ago {ZX}e {Xë`mZo J«mhH$åhUyZ ñdrh $V H$aÊ`mgmR>r _w»` H$m`m c` nmvirda "H $Ðr` J«mhH$ g Ho$Vm H$ H$j' (Customer ID Cell) gwê$ H$aÊ`mV Amcm. Ë`m_wio J«mhH$ åhuyz ñdrh $V Pmë`mda gd àh$maà`m ì`dhmam gmr>r àë`oh$doir ñdv ÌnUo H$mJXnÌm Mr nyv Vm J«mhH$m Zm H$amdr cmjuma Zgë`mZo ì`dhma gwc^vm amiê`mg _XV hmouma Amho. VgoM ~±H$d J«mhH$`m À`m AZmdí`H$IMm VXoIrc ~MV hmouma Amho. J«mhH$m Zm ì`dhmam Mr _m{hvr VmËH$mi {_iê`mà`m Am{U ì`dhma gwajoà`m Ñï>rZo Aën XamV Eg.E_.Eg. gw{dym CncãY H$ê$Z {Xcr Amho. H$O} : Ahdmc dfm V H$O ì`dhmamv ê$ H$moQ>tZr dmt>pmcr d EHy$U H$O nwadr>m ê$ H$moQ>r BVH$m Pmcm. H$O dmt>rmo à_mu 15.92% BVHo$ AgyZ gr.s>r. aoemo 64.39% BVH$m am{hcm. gxa Am{W H$ dfm _Ü`o g_yh H$Om gmr>r _hîm `m Xm ê$.32 H$moQ>r Va d `{º$H$H$Om Mr _hîm `m Xm ê$.12 H$moQ>r hmovr. AJ«H«$_ joìmg {Xcoë`m H$Om Mo EHy$U H$Om er à_mu 47.86% AgyZ Xþ~ c KQ>H$m gmr>r EHy$U H$Om À`m 12.30% nvnwadr>m Ho$cm Amho. Ahdmc dfm V H$O nwadr>çmvyz ê$ H$moQ>r ì`mo CËnÞ {_imco. JVdfm er VwcZm H$aVm ê$ H$moQ>tZr Ë`m_Ü`o dmt>pmcocr Amho. ê$.10 cmimdarc {Z`{_V H$O ì`dhma AgUmè`m J«mhH$m Zm H«o${S>Q>aoQ>tJÛmao ì`moxam_ü`o 1.00 Vo 2.00 Q> o$ gdcv {Xcr OmVo. Ahdmc gmcmv EHy$U 198 ImË`m Zm `mmm cm^ {_iv Amho. Xadfu H«o$S>rQ>aoQ>tJMm \$m`xm KoUmè`m J«mhH$m À`m g»`ov dmt>hmov Amho. 02

3 _hîdmmoam{w H$ {ZîH$f : g^mgx g»`m ^mj^m S>dc ñd{zyr gr.ama.e.ama.% Zº$ EZ.nr.E.% EHy$U CËnÞ EHy$U IM T>mo~i Z\$m VaVwXr Am`H$a {Zìdi Z\$m dmt> (ê$. H$moQ>rV) ^m S>dc n`m ávm à_mu : ì`dgm` dmt>r~amo~am [añh$ doq>os>a goq>_ü`o dmt Pmcr H$s ^m S>dc n`m ávm à_mumda (CRAR) _`m Xm `ovmv. JVdfu ^m S>dc n`m ávm à_mu 11.39% EdT>o hmovo. ì`dgm` dmt>r~amo~am ~±Ho$Mr Z\$mj_Vm gwymaë`mzo ho à_mu 11.60% BVHo$ amico Amho. WH$~mH$s d EZ.nr.E. Ahdmc gmcmv ~±Ho$Zo dgwcrgmr>r ì`mnh$ à`ëz Ho$co. XþîH$mià^m{dV ^mjmvrc emim _Ü`o Ë`mda H$mhr _`m Xm Amë`m Agë`m Var EH $XarV dgwcrà`m AmKmS>rda g_mymzh$mah$ H$m_{Jar Ho$cr AgyZ OwÝ`m EZ.nr.E. ImË`mVyZ CÎm_ dgwcr Pmcocr Amho. ~± ±Ho$Mr EHy$U EZ.nr.E. dgwcr ê$ H$moQ>r n`ªv Pmcr Amho. _mm 2012 AIoa T>mo~i EZ.nr.E. Mo à_mu 3.62% EdT>o hmovo, Vo _mm 2013 AIoa 4.34% n` V Va {Zìdi>EZ.nr.E. À`m à_mumv JVdfuÀ`m VwcZoV dmt>hmodyz Vo 2.43% Amho. VgoM Ahdmc df AIoarg WH$~mH$sMo à_mu 3.44% BVHo$am{hco Amho. WH$~mH$s Am{U EZ.nr.E. ImË`m À`m dgwcr~m~v H$O Xmam er àë`úm _wcmivrûmao g dmx gmyyz Ë`m À`m AS>rAS>MUtda Cnm``moOZm R>a{dÊ`mV Amcr, H$mhr ~m~vrv {gš`wam`q>opez H$m`ÚmA VJ V H$madmB H$aÊ`mdmMyZ n`m ` am{hcm Zmhr. XþîH$mimMm à^md, Am[W H$ _ Xr `m_wio WH$sV H$Om À`m dgwcrgmr>r AZoH${dY H$m`Xoera _mjmªmm Adc ~ H$éZ XoIrc WH$~mH$s Am{U EZ.nr.E. Mo à_mu JVdfunoúmm dmt>coco Amho. _mì dfm AIoarZ Va cjomm dgwcrmm H$mc~Õ H$m` H«$_ hmvr KoÊ`mV Amcm Amho Am{U Ë`mg CÎm_ à{vgmx {_iv Amho. Z\$m {d^mjur : _mm 2013 AIoa ê$ H$moQ>tMm T>mo~i Z\$m Pmcm, Ë`mVyZ VaVwXr ê$.5.36 H$moQ>r d Am`H$a ê$ H$moQ>r dom 03

4 OmVm (H$amoÎma) {Zìdi Z\$m ê$ H$moQ>r Pmcm Amho. JVdfu Zâ`mMo à_mu gamgar IoiË`m ^m S>dcmÀ`m 0.83% hmovo, `mdfu ho à_mu 0.79% Amho. Zâ`mMr {d^mjur Imcrcà_mUo$H$aÊ`mg g MmbH$_ S>imZo gd gmymau g^og {e\$mag Ho$br Amho. Vnerc 1) J JmOir (25%) 2) cm^m e (10%) 3) B_maV {ZYr EHy$U ê$n`o g MmcH$ dë`m MoZmVodmB H$ H$O} Ahdmc gmcmv g MmcH$ d Ë`m À`m ZmVodmB H$m Zm [apìh ~±Ho$À`m {Z`_mà_mUo _wxv R>odrdarc H$Om ì`{v[aº$ AÝ` H$O} Zì`mZo {Xcocr ZmhrV. _mì nydu {Xcocr H$O} {Z`{_V AmhoV. _hmamï > gh.g ñwm A{Y{Z`_ 1960 H$c_ 75(2) _Yrc VaVwXrZwgma g MmcH$d Ë`m Mo ZmVodmB H$`m À`m H$Om Mr _m{hvr Imcrcà_mUo : Vnerc dfm À`m gwédmvrg XoUo a $_ Ahdmc dfm V dmt> Pmcocr H$O} Ahdmc dfm V \o$s> Pmcocr H$O} Ahdmc gmc AIoa {e H$ H$O} WH$~mH$s g MmcH$ H$O} ZmVodmB H$ H$O} g ñwm/àm. {c. H $. Am{U BVa EHy$U gah$mar H$O amoio ì`dhma Ahdmc dfm V gah$mar amoio ~momamvrc KS>_moS>tda gvh $VoZo cj R>odyZ VgoM Ë`m~m~VMm Aä`mg H$ê$Z Amcoë`m g YtMo ê$nm Va Zâ`m_Ü`o H$aUo eš` Pmë`mZo g nyu dfm V `m ì`dhmamvyz ê$.9.86 H$moQ>tMm Z\$m {_imcm Amho. Ahdmc gmcmv gah$mar amoio IaoXr {dh«$s_yrc CcmT>mc ê$.4202 H$moQ>tMr AgyZ IaoXr d {dh«$sà`m EHy$U 622 ì`dhmam VyZ hm Z\$m Pmcm Amho. H$moAa ~±qh$j àumcr_wio {ZYr ì`dñwmnzmv n`m ávm R>odUo ghoeš` hmov Agë`mZo {ZYrMr `mo½` Jw VdUyH$ H$ê$Z H$_mc navmdm {_iduo eš` Pmco Amho. AÜ`j / CnmÜ`j {ZdS> gz `m gmcmgmr>r dm{f H$gd gmymau g^oz Va 3 gßq> ~a>2012 amoor AÜ`j åhuyz _mpr d CnmÜ`j åhuyz S>m. amord Vwieram_ Am{hao `m Mr {ZdS>Pmcr. gd lr A{Zc BZm_Xma, amord _mo{hvo, {edmoramd OmYd Am{U A{Zc ~moyo `m Mr ñdrh $V g MmcH$åhUyZ {Z`wº$s H$aÊ`mV Amcr. g^m Ahdmc gmcmv Imcrcà_mUo EHy$U 64 g^m Pmcoë`m AmhoV. 04

5 g^mgx g MmcH$_ S>i 15 Jw VdUyH$g{_Vr 12 dgwcr g{_vr 05 Am S>rQ>g{_Vr 06 àemgh$s` g{_vr 12 Am`.Q>r. g{_vr 07 {Z`moOZ g{_vr 04 H$m`Xm g{_vr 03 g MmcH$_ S>imÀ`m g^og g MmcH$m Mr CnpñWVr % BVH$s hmovr. Ahdmc dfm V 4891 BVHo$ZdrZ g^mgx Pmco d 625 BVHo$g^mgX H$_r Pmco. åhuoom dfm AIoa EHy$U g^mgx g»`m BVH$s Pmcr Amho Am{U dgyc ^mj ^m S>dc ê$ H$moQ>r hmod$z dmmt>rmm doj 19.35% Amho. _m{hvr V ÌkmZmVrc àjvr gz 2011 nmgyz H$moAa ~±qh$j àumcr nyu nuo H$m`m pýdv Pmcr AgyZ {d{dy AË`mYw{ZH$ godm gw{dym J«mhH$m Zm Q>ß`mQ>ß`mZo CncãY H$ê$Z {Xë`m OmV AmhoV. ~±qh$j_yrc à_muh$m Zwgma Am{U ~±Ho$À`m JaOoZwê$n d J«mhH$godocm àmw{_h$vm XoUmar hr àumcr {dh${gv H$aÊ`mgmR>r Amnë`m godh$m Zr {Xcoco `mojxmz _hîdnyu Amho. Ahdmc gmcmv E.Q>r.E_. gw{dym "ê$no'h$ms> À`m _mü`_mvyz Am Va~±qH$J E.Q>r.E_. pñdmcm g c¾ H$aÊ`mV Amë`m_wio Xoe^amVrc H$moUË`mhr E.Q>r.E_.Ûmao ì`dhma H$aÊ`mMr gw{dym J«mhH$m Zm CncãY Pmcr Amho. Ë`mMà_mUo EZ.B.E\$.Q>r. d Ama.Q>r.Or.Eg. gw{dym H$moAa ~±qh$j àumcrer OmoS>ë`m Joë`mZo godovrc VËnaVm dmt>cr Amho. ~±qh$j_yrc AË`mYw{ZH$V ÌkmZ AmË_gmV H$aÊ`m~amo~aM AÝ` ghh$mar ~±H$m Zm V ÌkmZ{df`H$g m d _mj Xe Z _m{hvr V ÌkmZ {d^mjmzo CncãY H$ê$Z {Xcm Amho. qgywxþj {Oëhm ghh$mar ~±Ho$g S>mQ>m g Q>aÀ`m C^maUr_Ü`o _mocmmo ghmæ` Ho$co OmV AgyZ godh$m Zm AË`mYw{ZH$ V ÌkmZ{df`H$ n[anyu à{eju XoÊ`mMr O~m~Xmar `eñdrarë`m nyu Ho$cr Amho. Ë`m_wio V ÌkmZ{df`H$g m d _mj Xe Z `m {df`mv ZdrZ AmoiI ~±Ho$Zo {Z_m U Ho$cr Amho. `oë`m dfm V B Q>aZoQ>~±qH$J Am{U _mo~mb c ~±qh$j gw{dym J«mhH$m Zm CncãY H$ê$Z XoÊ`mMo {Z`moOZ Amho. _wðm H$ {dh«$sdn ZH$mS> gw{dym Q >ñq>r A±S>EŠPrŠ`wQ>a{en ì`dgm` godh$ à{ejudg emoyzh $Ð AÝ` _hëëdnyu ~m~r Vi^mJ,H$amS>Am{U nmodb ZmH$m, gmvmam emio_ü`o _wðm H${dH«$sMr gw{dym CncãY Amho. Ë`mnmgyZ ê$ cmi BVHo$ CËnÞ {_imco Amho. J«mhH$m Zm `m gw{dyomm cm^ _mor>çm à_mumda hmov Amho. n Z H$mS> Mr gw{dym 31 emim _YyZ CncãY H$ê$Z {Xcr Amho. Ahdmc gmcmv 2425 n ZH$mS> Mo {dvau Ho$co AgyZ `m godonmgyz ê$.0.50 cmi BVHo$CËnÞ {_imco Amho. JV gmcmv Q >ñq>r A±S>EŠPrŠ`wQ>a{en godog AmVm _yv ñdê$n àmá Pmcoco Amho. Q >ñq>c^maur d ì`dñwmnz, BÀN>mnÌ V`ma H$aUo d Ë`mMr A _c~omdur H$aUo, BÀN>mnÌ go\$ H$ñQ>S>r_Ü`o R>odUo, ñwmda {_ih$vrmo ì`dñwmnz d {dh«$s B. godm {Xë`m OmV AmhoV. AmOAIoa 15 Q >ñq>ì`dñwmnzmgmr>r Am{U 22 BÀN>mnÌo go\$h$ñq>s>r d A _c~omdurgmr>r XmIc Pmcr AmhoV. gmvmam, gm Jcr, H$moëhmnya `m {Oëøm VyZ Aer n[anyu godm XoUmar Amncr ghh$mar ~±H$ AJ«oga Amho. à{eju H $ÐmV\}$df ^a {d{dy {df`m darc djm Mo Am`moOZ Ho$co OmVo. `mmm cm^ {OëømVrc VgoM {Oëøm~mhoarc ~±H$m d nvg ñwm KoV AmhoV. gxamo à{eju H $Ð ghh$ma ImVo _mý`vmàmá Amho. à{eju H $ÐmÀ`m à{ejh$ àmü`mnh$m ~amo~am 05

6 ~±H$s J joìmvrc VÁk, AZw^dr ì`švr `m Zm ì`m»`mvo åhuyz {Z_ {ÌV Ho$co OmVo. à{eju H $ÐmVrc kmzh$j dmvmzwhw${cv AmhoV. npím hmamï >mvrc ghh$mar ~±H$m gmr>r FIU (India) V\}$ EH${XdgmMo à{eju godh$ à{eju H $ÐmV\}$ Am`mo{OV Ho$co hmoovo. Ë`mcm 92 ghh$mar ~±H$m _Yrc gw_mao 182 g MmcH$d A{YH$mar CnpñWV hmovo. Mmcy Am{W H$dfm V dojdojù`m {df`m darc 66 à{eju H$m` H«$_m Mo Am`moOZ H$aÊ`mV Amco. Ë`m_Ü`o ~±Ho$Vrc 835 godh$ Am{U BVa ~±Ho$Vrc 1560 godh$ gh^mjr Pmco. g MmcH$, d[aîr>a{yh$mè`m gmr>r {deof à{eju djmªmo Am`moOZ H$aÊ`mV Amco hmovo. AÝ` ~±H$m _Ü`o OmD$Z Ë`m À`m JaOoZwê$n à{eju djmªmo Am`moOZ Ho$co OmVo. ~±qh$j joìmv H$[aAa KS>{dUmè`m {dúmï`mªgmr>r Certificate Course in Banking, Advance Course in Banking gwê$ H$aÊ`mV Amco AgyZ Ë`mg CÎm_ à{vgmx {_iyz 60 {dúmï`mªzr H$mog gmr>r àdoe KoVcm. à{vdfm à_muo Eg.Or.E_. H$m cooà`m {dúmï`mªzm ~±qh$j{df`r _mj Xe Z H$aÊ`mV Amco. dm{f H$à{ejU `moozomm cm^ `m dfu {X dmaum ghh$mar ~±H${c.,. dmaumzja `m Zr KoVcm. VgoM nmíd ZmW ghh$mar ~±H$, AH$mocm A~ Z H$mo. Am n. ~±H${c., AH$mocm, ncyg ghh$mar ~±H${c., ncyg, gm Jmocm A~ Z H$mo. Am n. ~±H${c., gm Jmocm, avzm X ehm ghh$mar ~±H${c., _ JidoT>m, `ed V ghh$mar ~±H${c., Hw${S>Ìo, H$moëhmnya _{hcm ghh$mar ~±H$ {c., H$moëhmnya, H$amS>_MªQ>d _{hcm _MªQ>, H $. ñdm. g. em_amd nmq>rc ZmJar ghh$mar nvg ñwm C S>mio, _MªQ>qg{S>Ho$Q> J«m_rU {~JaeoVr gh. H«o${S>Q>g ñwm Vi_mdco, kmzxrn H$mo. Am n. H«o${S>Q>gmogm`Q>r BË`mXr ~±H$m d nvg ñwm_yrc godh$m gmr>r à{eju H$m` H«$_m Mo Am`moOZ H$aÊ`mV Amco. [apìh ~±Ho$Mo H$m coo Am \$ A J«rH$ëMac ~±qh$j nwuo, d Hw $R>^mB _ohvm à{eju g ñwm nwuo, YZ O`amd JmS>Jri à~ Y g ñwmz ZmJnya `m Mo {d{dy {df`m darc à{eju gìm gmr>r godh$d g MmcH$gXñ` `m Zm nmr>{dê`mv Amcoco Amho. g_dvu A VJ V coimnarju 48 emim n H$s ê$.100 H$moQ>rÀ`m da ì`dgm` AgUmè`m 6 emim Mo nm{jh$ Am{U ê$.100 H$moQ>tnojm H$_r ì`dgm` AgUmè`m 40 emim Mo _m{gh$ Am S>rQ>ì`mdgm{`H$ MmQ> S> AH$m Q> Q>\$_ g² `m Mo_m\ $V Ho$co OmVo. Cd [av 2 emim Mo H $H$a Q> Am S>rQ> ~±Ho$À`m "Am S>rQ> A±S> BÝñnoŠeZ' {d^mjm_m\ $V Ho$coco Amho. _w»` H$m`m c`mmo coimnarju gre.cx` Hw$cH$Uu, \$cq>u Am{U J wvduyh$coimnarju _o.omyd VmZmOramd Am{U H $.,H$amS>`m À`m_m\ $V Ho$coco Amho. d Ym{ZH$ coimnarju gz Mo d Ym{ZH$ coimnarju {c_`o A ÝS>H $nzr, gm Jcr d Oo.~r. MìhmU A ÝS>Agmo. gmvmam `m Zr nyu H$ê$Z ~±Ho$g "A' dj {Xcm Amho. [apìh ~±H$ VnmgUr {X. 31 _mm 2011 AIoarc 25 do [apìh ~±H$BÝñnoŠeZ {X.30 {S>g Vo 18 OmZo `m H$mcmdYrV nyu Pmco Amho. Ë`mMm Ahdmc {X amoor àmá Pmcm AgyZ Xmof Xwê$ñVr Ahdmc {X amoor `mo½` nyv Vm H$ê$Z doioda nmr>{dcm Amho. emim nwañh$ma emioà`m ì`dgm`mzwgma VrZ JQ>H$ê$Z gz `m H$mbmdYrVrb H$m_{Jarda AmYm[aV Imbrbà_mUo nwañh$ma Joë`m dm{f H$gd gmymau g^ov àxmz H$aÊ`mV Ambo. JQ> A JQ> ~ JQ> H$ àw_ nmodb ZmH$m, gmvmam àw_ H±$n, nwuo àw_ qghjs>amos>, nwuo {ÛVr` emhþnwar, H$moëhmnya {ÛVr` _ch$mnya {ÛVr` {eamim VgoM gz gmbmh$[avm g_mo^yfu nw. nm. VWm ~m~wamdor JmoIbo JwUd V godh$ nwañh$ma _okzm ehm ({b{nh$) d lr. àvmn OmYd ({enmb ) `m Zm àxmz H$aÊ`mV Ambm. 06

7 gm_m{oh$ H$m` Am JñQ>2012 _Ü`o A~ Z gm_m{oh$h $VkVm Ý`mg d nwuo ZoÌ godm à{vð>mz `m À`m g `wšv {dú_mzo {VaionUm VnmgUr d eó{h«$`m {e~rammo Am`moOZ H$aÊ`mV Amco. EHy$U 350 é½ummr VnmgUr Pmcr. Ë`mn H$s 47 é½um da `eñdr eó{h«$`m H$ê$Z {VaionUmMm Xmof H$m`_ñdê$nr Xÿa H$ê$Z Ë`m Zm Zdm AmË_{dœmg XoÊ`mV Amcm. g_mom_ü`o dmmz g ñh $Vr dmt>rg cmjmdr `mñï>rzo dmmh$m Zm XO}Xma nwñvho${dzm_yë` CncãY hmoê`mà`m Ñï>rZo H$amS>, H$moëhmnya `m {d^mjm_ü`o 19 H $Ðm _m\ $V "J«W Vw_À`m Xmar..' hr `moozm H$m`m pýdv Ho$cr Amho. `mgmr>r ~±Ho$Zo d AmOr_mOr godh$m Zr J«W noq>çm àm`mo{ov Ho$ë`m AmhoV. ~±Ho$À`m `m A{^Zd CnH«$_mg CÎm_ à{vgmx {_iv AgyZ Ë`mÛmao ZdrZ J«mhH$dJ d Õrg _XV hmov Amho. {X.25 {S>g ~a Vo 3 OmZodmar 2013 `m H$mcmdYrV "H$amS>A~ Z ~±H$ H$a S>H$' amá`ñvar` Iwë`m EH$m {H$H$m ñnymªmo Am`moOZ H$aÊ`mV Amco. ñny}mo ho 3 ao df hmovo. JVdfuà_mUoM g nyu amá`^amvyz `m ñny}g A{Ve` Mm Jcm à{vgmx {_imcm. à{vdfu `m ñny}mo Am`moOZ H$ê$Z H$èhmS>À`m gm ñh ${VH$ joìmv A~ Z Hw$Qw> ~mzo Amncm d {eîq>çnyu gh^mj H$m`_ R>odcm Amho. AW H$maUm~amo~aM gm_m{oh$ ~m {YcH$s OnVmZm ~±Ho$Zo An J godog _hîd {Xco Amho. Ahdmc gmcmv {X.7 OmZodmar 2013 amoor Zmam`U godm g ñwmz CX`nya `m À`m g `wšv {dú_mzo ApñW An J VnmgUr d CnMma Am{U H $Ìr_ gmyz dmq>n {e{~ammo Am`moOZ H$aÊ`mV Amco. OmZodmar 2013 _Ü`o J«mhH$ g{_vr gxñ` _oimdm Am`mo{OV H$aÊ`mV Amcm. Ë`m_Ü`o 97 dr KQ>Zm XþéñVr d ghh$ma joìmmr dmq>mmc `m {df`mda Á`oð>{d{Yk d ghh$ma VÁk {dúmya AZmñH$a `m Zr _mj Xe Z Ho$co. à{vdfm à_muo 27 OmZodmar 2013 amoor godh$g MmcH$ qmvz {e{~ammo Am`moOZ H$aÊ`mV Amco. godh$m Zm àoaum {_imdr, godh$m À`m ì`{šv_ëdmmm gdmªjru {dh$mg ìhmdm `mgmr>r g _mohz VÁk S>m. YZqgJ Mm Yar `m Mo "VmUVUmd ì`dñwmnz d g _mohzemó EH$daXmZ' `m {df`mda àmë`{jh$mgh ì`m»`mz Am`mo{OV H$aÊ`mV Amco. H$èhmS> d n[agamvrc J«m_rU ^mjmvrc hmovh$ê$ d {OÔr Am{U ì`dgm`m_ü`o CVaÊ`mMr AmH$m jm ~mijumè`m Vê$Um gmr>r "CÚmoOH$Vm {dh$mg {e{~ammo' Am`moOZ gmvmam `owrc AÊUmgmho~ {Ma_wco Q >ñq>à`m g `wšv {dú_mzo H$aÊ`mV Amco. eyý`mvyz {díd gmh$maumao S>r.Eg.Ho$. C\ $ XrnH$ gimam_ Hw$cH$Uu `m Zr Ë`m Mr `eñdr dmq>mmc CnpñWVm nwt>o gmxa Ho$cr. Ë`mMm cm^ H$amS>d n[agam Vrc {ejug ñwm Vrc {dúmï`mªzr KoVcm. H$amS>A~ Z gm_m{oh$ H $VkVm Ý`mgmV\}$ XoÊ`mV `oumam "ñd. S>m. X. {e. Ea_ H $VkVm gý_mz' d ÚH$s` joìmv ^ard H$m_ H$aUmè`m H$èhmS>`oWrc S>m. H$_cVmB YZnmc hmdco `m Zm gý_mznyd H$àXmZ H$aÊ`mV Amcm. _hmamï >m_yrc XþîH$miOÝ` n[apñwvrda _mv H$aÊ`mH$arVm _hmamï > emgzmà`m AmdmhZmZwgma _hmamï >mmo _w»`_ Ìr _m.zm.n ÏdramO MìhmU `m Zm ~±Ho$À`m dvrzo ê$. 3 cmimmm YZmXoe gwnyv H$aÊ`mV Amcm. ~±Ho$À`m H$m` joìmvrc XþîH$mir ^mjmvrc g^mgxm gmr>r "ewüx no`oc `moozm' am~{dê`mv Amcr. `m `moozoa VJ V KanmooM ewõ nmur nwadê`mmm A{^Zd CnH«$_ ~±Ho$Zo `eñdrnuo am~{dcm. A~ Z Hw$Qw> ~à_wi gw^mfamd Omoer `m À`m dmt>{xdgmmo Am {MË` gmyyz godh$m V\}$à{Vdfu ašvxmz {e{~ammo Am`moOZ H$aÊ`mV `ovo. ` Xm Am`mo{OV Ho$coë`m [e{~amv 72 ašvxmë`m Zr Cñ\y$V nuo gh^mj KoVcm. H$amS>A~ Z ~±H$ godh$ nvg ñwozo Ahdmc gmcmv ê$ H$moQ>r ì`dgm`mmm Q>ßnm Amocm S>V ê$.3.65 cmi BVH$m Z\$m {_idcm Amho. A~ Z ñnmoq> g² Šc~À`m _mü`_mvyz _ XmZr ñnym, Am Vaemco` {H«$Ho$Q> ñnym, OmJ{VH$ gy` Z_ñH$ma {XZ, amï >r` 07

8 IoimSy> Mm gëh$ma, ašvxmz {e{~a Aem AZoH$CnH«$_m Mo Am`moOZ H$aÊ`mV Amco. A~ Z Hw$Q> w~mvrc A~ Z ~Pma, H$amS>A~ Z gm_m{oh$h $VkVm Ý`mg, _{hcm J hmoúmoj, godh$g K, godh$nvg ñwm, _yh$ ~{Ya {dúmc` `m g ñwm À`m AmXe g_moh$maumvyz Amnë`m Hw$Qw> ~mcm à{vð>m àmá Pmcr Amho. ^{dî`h$mcrz `moozm 1) gz `m Am{W H$dfmªV ~±Ho$Zo Imcrc C{ÔîQ>ço {ZpíMV Ho$cr AmhoV. ~±Ho$Mo H$m` joì ~hþamá`r` (_ëq>rñq>oq>) H$aUo. 2) "pìhoz 2017' `m ~hþcjr` YmoaUmMr A _c~omdur, AmT>mdm Am{U gwymaum. 3) ê$.3150 H$moQ>tÀ`m ì`dgm`mmo C{ÔîQ> 4) Banking Correspondant & Banking Facilitators (BCBF) À`m _mü`_mvyz ~±qh$j godomm {dñvma. ~±Ho$À`m `m `eñdr dmq>mmcrmo gd ñdr lo` Amnë`m J«mhH$m Zm Am{U Vwåhm gd g^mgxm Zm VgoM gd godh$ dj `m À`m H ${Verc d H$ï>nyU `mojxmzmcm Amho. Vw_Mm {dœmg, ào_, AmnwcH$s `m_wiom hr àjvrmr KmoS>Xm S>CÎm_ arvrzo Mmcy Amho. ~±Ho$À`m àjvr_yrc gmvë` {Q>H$dyZ àjvrmm doj H$m`_ R>odVm Amcm Am{U g MmcH$_ S>imda g^mgxm Zr R>odcocm {dœmg g»`më_h$ Am{U JwUmË_H$ àjvrzo {gõ H$ê$ eh$cmo. `m gdmªmm n[aum_ åhuyz ~±Ho$cm cdh$am _ëq>rñq>oq>h$moam nao{q>ìh ~±Ho$Mm XOm àmá hmob c Aer Anojm Amho. ~±Ho$À`m Ñï>rZo hm _hîdmmm Q>{ZªJ nm B Q>amhrc. g MmcH$_ S>imÀ`m dvrzo, S>m. gw^mf Ea_ AÜ`j 08

9 VwcZmË_H$ àjvr VŠVm COMPARATIVE PROGRESS CHART (* Aer IyU Agcoë`m AmoitVrc AmH$S>o gmosy>z BVa AmoitVrc AmH$S>o ê$n`o cmimv ) ( Rs. in lakh except row marked as *) Vnerc g^mgx Members * emim Branches+HO+Ext.Counter * godh$ Staff* Am {S>Q> dj Audit Class* A A A A A cm^m e Dividend* Zmhr 8 % 9 % 10% 10%({e\$mag) ^mj^m S>db Share Capital J JmOir d BVa {ZYr Reserve & Other Funds ñd{zyr R>odr R>odrVrc dmt> à_mu H$O} H$Om Vrc dmt> à_mu AJ«H«$_ H$O} AJ«H«$_ H$O}à_mU Jw VdUyH$ IoiVo ^m S>dc {Zìdi Z\$m Own Funds Deposits WH$~mH$s WH$~mH$sMo H$Om er à_mu g e{`v ~ws>rv H$O} g e{`v d ~ws>rv H$O {ZYr * Growth Rate of Deposits 24.66% % 9.12 % % 18.45% Loans & Advances Growth Rate of Loans & Advances * * * 22.37% % % % 15.92% Priority Sector Advances % of Priority Sector Advances 58.16% % % 54.75% 47.86% Investment Working Capital Net Profit H$anyd Z\$m H$anyd Z\$m H$anyd Z\$m H$anyd Z\$m H$anyd Z\$m Overdues % of Overdues to Loans & Advances 4.18% 4.04 % 3.01 % 3.38 % 3.44% Doubtful & Loss Advances Bad & Doubtful Debts Reserve

10 {X. 31 _mm 2013 AIoaMm Vmio~ X Sr. Capital & Liabilities ^m S>db d XoUr Schedule As on As on No. 1 Share Capital ^mj^m S>db Reserve Fund & Other Reserves amird {ZYr d BVa {ZYr 3 Principal / Subsidiary State Partnership A/c. emgzmmo à_wi / ghmæ`h$mar {ZYr ImVo 4 Deposits & Other Accounts R>odr d AÝ` ImVr 5 Outside Borrowings ~mhoarc H$O} Interest Payable (Deposits & Borrowings) ì`mo XoUo (R>odr d H$Om darb) 7 Other Liabilities and provisions BVa XoUr d VaVwXr 8 Income Tax Provision Am`H$a VaVwXr Branch Adjustments emim O_mIM Overdue Interest Reserve on Non Performing Assets (As per Contra) CËnÞ j_vm Zgboë`m H$O ImË`mdarb (EZnrE) WH$ì`mO VaVyX (Xw~oaOr) 11 Bills for Collection (Being Bills Receivable as per Contra) dgwbrgmr>r ñdrh$mabobr {~bo (Xw~oaOr) 12 Profit & Loss Account Z\$m VmoQ>m ImVo 13 Collection A/C Shri Parshwanath Coop. Bank Ltd H$coŠeZ ImVo (lr nmíd ZmW H$moAm n. ~±H$ {c.) EHy$U Total Contingent Liabilities / Bank Guarantees / ~±H$ J a Q>rO² Inland Letter of Credit / EHy$U g ^mì` XoUr Xoem VJ V boq>a Am \$ H«o${S>Q> Total V. K. Joshi Dy. Chief Executive Officer (Accounts Dept.) CA. Uday V. Kulkarni Chartered Accountants & Internal Auditors Place : Karad Date : CA. Dilip M. Gurav Chief Executive Officer For M/s Limaye & Company Chartered Accountants CA. Vijay Thakkar (Partner) Statutory Auditors 10

11 o Balance Sheet as on 31st March 2013 Sr. Property & Assets qoxjr d _mc_îmm Schedule As on As on No. 1 Cash and Balance with Banks amoi {eëbh$ d ~±Ho$Vrb {e H$ 2 Investments Jw VdUyH$ 3 Investment out of the Principal / Subsidiary State Partnership A/c. emgzmmo à_wi/ghmæ`h$mar {ZYrMo Jw VdUyH$ ImV 4 Loans & Advances H$O} 5 Fixed Assets H$m` mb_îmm 6 Other Assets BVa _mb_îmm 7 Advance Income Tax AmJmD$ Am`H$a 8 Overdue Interest Receivable on Non Performing Assets (As per Contra) CËnÞ j_vm Zgboë`m H$O ImË`mdarb (EZnrE) WH$ì`mO `ouo (Xw~oaOr) 9 Bills Receivable (Being Bills for Collection as per Contra) dgwbrgmr>r nmr>{dbobr {~bo (Xw~oaOr) 10 Cost of Acquisition 12 H$m ñq> Am \$ A ¹$r{PeZ 11 Non Banking Assets Zm Z ~±qh$j A goq>g² Total EHy$U Dr. Rajiv T. Ahire ViceChairman Directors Dr. Subhash S. Erram Chairman S. R. Joshi V. P. Gokhale C. V. Doshi V. R. Jadhav D. B. Jadhav Dr. A. S. Lahoti S. G. Mantri S. S. Joshi A. P. Shinde Adv. V. B. Patil J. D. Khire S. R. Kulkarni S. S. Shinde M. D. Mali B. B. Raywad Mrs. S. A. Palkar Mrs. M. C. Dhawale S. V. Jadhav A. A. Bodhe A. S. Inamdar R. A. Mohite V. Y. Patil (Staff Rep.) R. C. Pawar (Staff Rep.) 11

12 {X. 31 _mm 2013 amoor g nboë`m Am{W H$ dfm Mo Z\$mVmoQ>m nìh$ Profit & Loss Account for the year ended Sr. Schedule As on As on No. 1 INCOME Interest Received {_imbobo ì`mo Other income BVa CËnÞ Prior Period Income Tax Adjusted Total Income EHy$U CËnÞ 2 EXPENDITURE Interest on Deposits & Borrowings R>odr d H$Om darb ì`mo$ Staff Salaries & Allowances etc. godh$ njma d ^Îmo B Establishment Expenses ì`dñwmnz IM Total Expenditure EHy$U IM 3 GROSS PROFIT 4 PROVISIONS 5 PROFIT BEFORE TAX 6 INCOME TAX PROVISION 7 NET PROFIT CËnÞmÀ`m ~m~r JVdfuÀ`m Am`H$a ah$_omo g_m`mooz Zmdo d IMm À`m ~m~r VaVwXr T>mo~i Z\$m {Zìdi Z\$m H$anyd Z\$m (Transferred to Balance Sheet) Am`H$a VaVwXr (Vmio~ Xmg dj ) TOTAL Dr. Rajiv T. Ahire ViceChairman Directors Dr. Subhash S. Erram Chairman S. R. Joshi V. P. Gokhale C. V. Doshi V. R. Jadhav D. B. Jadhav Dr. A.S. Lahoti S. G. Mantri S. S. Joshi A. P. Shinde Adv. V. B. Patil J. D. Khire S. R. Kulkarni S. S. Shinde M. D. Mali B. B. Raywad Mrs. S. A. Palkar Mrs. M. C. Dhawale S. V. Jadhav A. A. Bodhe A. S. Inamdar R. A. Mohite V. Y. Patil (Staff Rep.) R. C. Pawar (Staff Rep.) V. K. Joshi Dy. Chief Executive Officer (Accounts Dept.) CA. Uday V. Kulkarni Chartered Accountants & Internal Auditors Place : Karad Date : CA. Dilip M. Gurav Chief Executive Officer For M/s Limaye & Company Chartered Accountants CA. Vijay Thakkar (Partner) Statutory Auditors

13 SCHEDULES TO THE B/S & P & L ACCOUNT A. Authorised Share Capital SCHEDULE 1 SHARE CAPITAL SCHEDULE 2 RESERVE FUND & OTHER RESERVES A. Statutory Reserve Fund B. Building Fund C. Bad & Doubtful Debts Fund D. Investment Fluctuation Fund E. Capital Reserve Fund F. Contingent Provision Against G. Provision against Contingencies H. (7,50,00,000 Equity Shares of Rs. 10 each) Standard Assets A. Fixed Deposits SCHEDULE 3 DEPOSITS & OTHER ACCOUNTS Sub Total A B. Savings Deposits Sub Total B C. Current Deposits B. Subscribed and Paidup Capital (Previous year ) Shares of Rs.10 each Total Individual CoOperative Societies Individual CoOperative Societies Individual CoOperative Societies Cash Credit (Credit Balance) Sub Total C Total Deposits (A + B + C) SCHEDULE 4 OUTSIDE BORROWINGS Contingent Provision Against for Depreciation on Investments Total A. Small Industries Development Bank of India (Refinance) B. NABARD (Refinance) C. MSC Bank Ltd. (Overdraft against Fixed Deopsits) Total A. B. SCHEDULE 5 INTEREST PAYABLE (DEPOSITS & BORROWINGS) Interest Payable on Deposits Interest Payable on outside Borrowings Total SCHEDULE 6 OTHER LIABILITIES AND PROVISIONS A. Dividend Payable B. Anamat Payable C. Miscellaneous Payable D. Sundry Creditors (General Reserve Fund) Total SCHEDULE 7 CASH AND BALANCE WITH BANKS A. Cash in hand and at ATM B. Current Accounts with Banks 1. Reserve Bank of India State Bank of India & Associate Banks 3. Satara, Sangli, Kolhapur, Solapur, Pune, Ratnagiri District Central Coop. Banks Ltd. 4. Maharashtra State Coop Bank Ltd. Mumbai 5. IDBI Bank Ltd ICICI Bank Ltd HDFC Bank Ltd Axis Bank Ltd Total B C. Fixed Deposits with Banks 1. Satara District Central Coop. Bank Ltd. 2. Maharashtra State Coop Bank Ltd. Mumbai (Of which Rs. 30 lakh pledged with MSC Bank Ltd. as security for Overdraft facility) 3. Other Banks Total C Total (A + B + C)

14 SCHEDULE 8 INVESTMENTS SCHEDULE 9 LOANS & ADVACNES A. Short Term Loans & Advances a. Secured against Govt. & Other Trustee Securities of which overdues Including Bad & Doubtful b. Secured against Other Tangible Assets of which overdues Including Bad & Doubtful c. Individual Guarantees (Clean Loans) of which overdues Including Bad & Doubtful B. Medium Term Loans & Advances a. Secured against Govt. & Other Trustee Securities Of which overdues Including Bad & Doubtful b. Secured against Other Tangible Assets Of which overdues Including Bad & Doubtful c. Individual Guarantees (Clean Loans) A. Central/State Government Securities Face Value Rs (P. Y. Rs ) Market Value Rs (P. Y. Rs ) (Of which Rs earmarked as Reseve Fund Investment.) B. Unamortised Depreciation on Investments C. Shares of Coop. Societies 1. Satara D. C. C. Bank Ltd. Satara Maha. State Coop. Bank Ltd. Mumbai Karad Urban M.S.Grahak Bhandar Ltd Apex Coop. Bank of Maharashtra & Goa Urban Banks Ltd. Mumbai 5. Maha. State Urban Coop. Bank Ltd Total (C) D. Other Investments 1. Industrial Finance Corp. Ltd. Shares VHTRL DDB Bank of India Bonds Margin with CCIL for Security Segment Margin with CCIL for CBLO Segment Total (D) Total (A + B + C + D) Of which overdues Including Bad & Doubtful SCHEDULE 9 LOANS & ADVACNES C.Long Term Loans & Advances a. Secured against Govt. & Other Trustee Securities Of which overdues Including Bad & Doubtful b. Secured against Other Tangible Assets Of which overdues Including Bad & Doubtful c. Individual Guarantees (Clean Loans) Of which overdues Including Bad & Doubtful Total Loans & Advances (A+B+C) SCHEDULE 10 FIXED ASSETS SCHEDULE 11 OTHER ASSETS SCHEDULE 12 COST OF ACQUISITION A. COST OF ACQUISITION OF SPCB A. Land & Buildings (Less Depreciation) B. Dead Stock & Furniture (Less Depreciation) C. Machinery, Computers & Softwares (Less Depreciation) D. Vehicles (Less Depreciation) E. Miscellaneous Assets (Less Depreciation) A. B. Total Advances Given Interest Receivable on Investments Other Receivables C. D. NPCI Receivables (RUPAY Clearing Settelment Account) Total A. Opening Balance Cost of Acquisition of SPCB B. Less : Current year amortisation Closing Balance

15 A. B. C. SCHEDULE 13 INTEREST RECEIVED SCHEDULE 14 OTHER INCOME Interest Received on a. Loans & Advances b. Investments Total Commission, Exchange, Brokerage etc Profit on Sale of Securities Profit on Sale of Assets D. Other Receipts i) Dividend on Shares ii) Building Rent iii) Locker Rent iv) Other Income Total SCHEDULE 15 INTEREST ON DEPOSITS & BORROWINGS A. Interest paid on Deposits B. Interest paid on Borrowings C. Repo Interest Expenses Total SCHEDULE 16 ESTABLISHMENT EXPENSES SCHEDULE 17 PROVISIONS A. Rent,Light,Insurance,Taxes etc B. Printing, Stationery & Advertisement C. Depreciation & Reparis of Property D. Directors, Local Advisory Committee E. Audit Fees F. Legal Charges G. Postage Telegram & Telephone H. Deposit Insurance (DICGC) I. Fees, Allowances & Travelling Exp. Premium Other Expenses J. Loss on Sale of Assets K. Pigmy Commission Total A. Towards Amortisation of Premium B. Towards Bad & Doubtful Debts C. D. E. F. on Investments Reserve Towards Provision for Standard Assets Towards Depreciation in Investments Amortisation Cost of Acquisition Provision Against Contigencies G. Investment Fluctuation Reserve Total

16 Disclosures as per RBI Guidelines (Rs. in Lacs) Sr. No. 1 Capital to Risk Assets Ratio 2 Movement in CRAR 11.60% 11.39% A. Tier I Capital B. Tier II Capital C. Total Capital Funds ( A+B ) D. Risk Weighted Assets E. Tier I Capital to Risk Weighted Assets 9.84 % 9.75 % F. Tier II Capital to Risk Weighted Assets 1.76 % 1.64 % G. Total Capital Funds to Risk Weighted Assets % % 3 Value of Investments A. SLR Investments Govt. Securities ( Book Value ) B. Non SLR Investments ( Book Value ) a. Bonds of PSUs b. Shares of Coop. Institutions c. Shares of Financial Institution C. Other Investments a. Margin with CCIL for Security Segment b. Margin with CCIL for CBLO Segment D. Fixed Deposit with Banks a. MSC,DCC Banks b. Other Banks Total Face Value Total Book Value Total Market Value Advances against Real Estate, Construction Business, Housing. A. Builders & Developers (Construction Business) B. Housing C. Others Advances against Shares & Debentures 6 Advances to Directors & their Relatives A. Advances to Directors a. Fund Based b. Non Fund Based N I L N I L B. Advances to Relatives of Directors a. Fund Based b. Non Fund Based N I L N I L 7 Average Cost of Deposits 8 NPAs. Total N I L N I L Total % 7.16% A. Gross NPAs % to Total Advances 4.34 % 3.62 % B. Net NPAs % to Net Advances 2.43% 1.79% 16

17 Disclosures as per RBI Guidelines (Rs. in Lacs) Sr. No. 9 Movement in NPAs. 10 Profitability Ratios Opening Balance Add : Additions during the year Less : Recovery during the year Closing Balance 11 Provisions made during the year 12 Movement in Provisions A. Towards NPA B. Towards Depreciation on Investments C. Towards Standard Assets 13 Foreign Currency Assets & Liabilities 14 Deposit Insurance (DICGC) Premium Paid A. Interest Income as % of Working Funds % % B. Non Interest Income as % of Working Funds 1.00% 0.74 % C. Operating Profit as % of Working Funds 1.55 % 1.67 % D. Return on Assets 0.79 % 0.83 % E. Business ( Deposits + Advances ) per Employee F. Profit per Employee A. Towards NPA B. Towards Depreciation on Investments C. Towards Investment Fluctuation Reserve D. Towards Standard Advances E. Towards Amortisation cost of Acquisition F. Towards Investment Depreciation Reserve Opening Balance Add : Provision made during the year Add : Recovery from Loan Closing Balance Opening Balance Add : Additions during the year Closing Balance Opening Balance Add : Additions during the year Closing Balance April 2012 Sept / April 2011 Sept Oct Mar / Oct Mar April 2013 Sept / April 2012 Sept (The payments are made within stipulated time) N I L N I L 17

18 Disclosures as per RBI Guidelines Sr. Amount Extent of below Extent of Extent of No. investment unrated unlisted grade Securities Securities Securities 15 i) Issuer composition of Non SLR Investments 1 PSUs 2 FIs Public Sector Banks a) Bonds b) FDs Mutual Funds 5 Others a) Bonds b) FDs Provision held towards Depreciation TOTAL ii) Non performing NonSLR investments Opening Balance Additions during the year since 1st April Reductions during the above period Closing Balance Total Provisions held 16 DISCLOSURES OF REPO / REVERSE REPO TRANSACTIONS Nil Nil Nil Nil Nil (Rs. in Lacs) REPO CROM Securities Sold Minimum (Outstanding during the year) NIL NIL Maximum (Outstanding during the year) NIL NIL Daily Average Outstanding during the year NIL NIL Securities Purchased Minimum (Outstanding during the year) Maximum (Outstanding during the year) Daily Average (Outstanding during the year) As on Balance NIL NIL NIL NIL 17 RBI has imposed penalty on bank of Rs.5.00 Lakh on 16th July 2012 for the violation of instructions/ guidelines of RBI in regards of branch shifting. 18

19 Notes Forming Part Of The Profit & Loss Account st For the year ended 31, March, 2013 and Balance Sheet as on that date SIGNIFICANT ACCOUNTING POLICIES 1. ACCOUNTING CONVENTIONS : The accompanying financial statements have been prepared following the going concern concept, on historical cost basis unless otherwise stated and conform to the Generally Accepted Accounting Principles (GAAP) in India, which encompasses applicable statutory provisions, regulatory norms prescribed by the Reserve Bank of India, Accounting Standards (AS) and pronouncements issued by The Institute of Chartered Accountants of India and accounting practices prevalent in the banking industry in India. The preparation of financial statements requires the management to make estimates and assumptions considered in the reported amount of assets and liabilities (including contingent liabilities) as of date of the financial statements and the reported income and expenses for the reporting period. Management believes that the estimates used in the preparation of the financial statements are prudent and reasonable. 2. REVENUE RECOGNITION : (a) (b) (c) (d) (e) (f) (g) (h) 3. ADVANCES : (a) (b) Income/Expenditure is generally accounted for on accrual basis, unless otherwise stated. Interest on performing advances is recognized on accrual basis. Income on Nonperforming Assets (NPAs) is recognized on realization, in terms of the RBI guidelines. Interest on fixed income securities is recognized on accrual basis. Commission income on the bank guarantees is recognized as income on realization basis. Locker Rent, Building Rent is generally recognized on actual basis. Other items of income are recognized on realization basis. Cost towards Staff incentives is recognized on cash basis. In terms of guidelines issued by the RBI, advances to borrowers are classified into Performing or NonPerforming assets based on recovery of principal/ interest. NPAs are further classified as SubStandard, Doubtful and Loss Assets. Provision for Standard assets, SubStandard, Doubtful and Loss assets is made as per RBI guidelines. 4. INVESTMENTS : (a) Investments are classified under `Held to Maturity' (HTM), 'Held for Trading' (HFT) and 'Available for Sale' (AFT) categories as per RBI guidelines. (b) Bank decides the category of each investment at the time of acquisition and classifies the same accordingly. Shifting of securities from one category to other is done as per RBI guidelines with the approval of Board of Directors. The depreciation if any on such shifting is provided for and book value is of the security is changed accordingly. (c) The Bank has adopted the Accounting Procedure prescribed by the RBI for accounting of Repo and Reverse Repo transactions. Costs and revenues are accounted for as interest expenditure / income, as the case may be. (d) Investments are valued in accordance with the RBI guidelines. a. Securities under the category Held to Maturity' (HTM) are valued at cost. Where ever cost is higher than face value, the premium is amortized over the remaining period of maturity. b. Securities under the category 'Available for Sale' (AFT) are marked to market and are valued at Market Rate declared by FIMMDA as on 31st March On the basis of valuation if it results in appreciation the same is ignored and if it results in depreciation the same is provided for. The book value is not changed after the valuation at year end. c. Securities under the category 'Held for Trading' (HFT) are valued as per prices declared by FIMMDA. The depreciation if any is provided for. The book value is not changed after the valuation at year end. (e) Profit and Loss on sale of investment is accounted for in the Profit & Loss account considering the original cost of acquisition. 5. FIXED ASSETS and DEPRECIATION : a) Fixed Assets are stated at Cost net of Deprecation. b) Depreciation on assets is charged on the Written down Value at the rates determined by the Bank, except in respect of computers, vehicles where it is calculated on the Straight Line Method, at the rates prescribed by RBI. c) Depreciation on fixed assets is charged for the full year if the asset is purchased and installed during the first six months of the year. If the asset is purchased and installed in the later six months then 50% of the normal rate of depreciation is charged. 6. Lease Payment : Operating lease payments are recognized as an expense in the Profit and Loss account on a straight line basis over the lease term. The details of Lease Payment as below 19

20 (Rs. In Lakh) Total Consideration Lease amount debited to P & L A/C up to 31/3/12 Lease amount debited to P & L A/C in the current year i.e Balance amount as on 31/03/ Earning per Share : (a) Earning per share are calculated by dividing the net profit for the period after tax attributable to equity shareholders (before appropriation) by weighted average number of equity shares outstanding during the period. (b) The weighted average number of equity shares outstanding during the period are calculated by aggregating the equity shares outstanding at the beginning of the period adjusted by the number of shares surrendered/ forfeited or issued during the period multiplied by the time weighting factor, which is the number of days for which the shares are outstanding as a proportion of total number of days during the year. Net worth of the Bank as on date of Balance Sheet is Rs thus value of the share comes to Rs EMPLOYEE BENEFITS : a) Provident Fund & Pension Fund The defined contribution as per Provident Fund & Pension Fund scheme is charged to Profit & Loss Account. b) Gratuity Gratuity liability is recognized as per actuarial valuation made at the end of financial year. The bank pays contribution to Life Insurance Corporation of India who maintains Gratuity Policy for bank employees. c) Leave Encashment Bank has provided for Leave encashment benefit on the basis of declaration obtained from bank employees regarding exercises the option. 9. TAXES ON INCOME : (a) Income Tax comprises the current tax provision. (b) Income Tax Authority has demand Rs towards income tax & interest on tax for the Assessment year , & Bank deposited Rs.6,65,00, against demand and shown the amount as receivable. The demands are pending with various appellate authorities. 10. EXTRAORDINARY ITEMS : Shri Parshwanath Coop Bank Ltd., Sangli merged with the Bank w.e.f 03/12/2007. The assets and liabilities and the reserves and provisions taken over from the merging bank are incorporated in the financial statements. The SPCB Collection A/c is reflected separately in Balance Sheet. 11. Other Notes : a. The Bank has ascertained that there is no material impairment of any of its assets and as such no provision under Accounting Standard 28 issued by the ICAI is required. b. Reconciliation of inter Bank Accounts as on 31/03/2013 are completed. c. Previous year figures are regrouped or rearranged or reclassified wherever necessary to confirm the layout of the accounts of the current year. 12. The Segment Reporting Statement on the basis of Product & Services AS ON Treasury Operations (Dealing in Govt. Securities) Other Banking Operations (Lonas & Advances and Other Services) Total Revenue Expenses Provisions Profit Before Tax Taxation Profit After Tax Segment Assets Segment Liabilities

21 13. Cash Flow Statement For The Year Ended Sr. No. (Rs. in Lacs) As on Rs. Ps. A Cash Flow Generated From Operating Activities 1 Net Profit as per profit and Loss A/c Ajustments for Depr./ Amortisation of Fixed Assets Provision Made Provision for taxation Loss on Sale of Assets 3.75 Recovery in writte off account 4.00 Dead Stock wriiten Off Entrance Fees & other Income tax paid (TDS) 4.21 TOTAL LESS: Profit on sale of Assets 0.43 Provision against Contiengecies 0.73 Operating Profit before Working Captial Changes Adjustments for working Capital Changes (Increase)/ Decrease in Investment ( ) (Increase)/ Decrease in Advances ( ) Increase / (Decrease) in Borrowings Increase / (Decrease) in Deposits Increase / (Decrease) in Interest payable (Increase) / Decrease in Other Assets (548.78) (Increase) /Decrease in Advance Income Tax Increase / (Decrease) in Other Liabilities Increase / (Decrease) in I.Tax liability ( ) Increase/(Decrease) in Branch Adjsutment (33.67) Net Working Captial Changes B C D Net Cash generated from Operating Activities Cash Flow From Investing Activities Fixed Assets Acquisition (Net) (465.27) Cash Flow From Financing Activities Increase in Share Capital Payment of Dividend (339.27) Net Increase in Cash & Cash Equivalents Cash & Cash Equivalents at the beginning of the year Cash & Cash Equivalents at the end of the year NOTE: Cash & cash Equivalents 1. Cash Balance Balance with Reserve Bank Of India Balances with other Banks V. K. Joshi Dy. Chief Executive Officer (Accounts Dept.) CA. Dilip M. Gurav Chief Executive Officer Place : Karad Date : CA. Uday V. Kulkarni Chartered Accountants & Internal Auditors 21 For M/s. LIMAYE & COMPANY Chartered Accountants CA. VIJAY THAKKAR (Partner) Statutory Auditors