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1 97 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$amS>Mr 97 dr dm{f H$ gd gmymau g^m a{ddma {X. 21 gßq> ~a 2014 amoor gh$mir dmovm ~±Ho$Mo _w»` H$m`m c`, emhÿ Mm H$, 516/2, e{zdma nor>, H$amS>, {O.gmVmam `owo KoÊ`mV `ouma Amho. `m g^ov Imcrc {df`m Mm {dmma hmob c. g^onwt>rc {df` 1) {X amoor Pmboë`m 96 ì`m dm{f H$ gd gmymau g^omm d Îmm V dmmyz H$m`_ H$aUo. 2) gz dfm À`m ~±Ho$À`m H$m_H$mOm~ÔbMm Ahdmb, coimnar{jv Z\$mVmoQ>m nìh$ d Vmio~ X nìh$ _ Oya H$aUo. 3) gz À`m d Ym{ZH$ boimnarju AhdmbmMr Zm X KoUo. 4) gz À`m d Ym{ZH$ coimnarju AhdmcmÀ`m XmofXþê$ñVr AhdmcmMr Zm X KoUo. 5) gz À`m Z\$m dmq>urg g MmcH$ _ S>imZo {e\$mag Ho$ë`mZwgma _ Owar XoUo. 6) gz Mo A XmOnÌH$ d àë`j pñwvr `mmr VwcZmË_H$ _m{hvr Am{U gz Mo A XmOnÌH$ d XrK H$mcrZ {Z`moOZmÀ`m H $Vr AmamIS>çmg _ Owar XoUo. 7) ghh$ma H$m`ÚmVrc ~XcmZwgma {deof gd gmymau g^ozo ({X ) _ Owar {Xcoë`m AmXe nmoq>{z`_mv ghh$ma ImË`mMo gymzozwgma Ho$coë`m ~Xcmg AZgwê$Z ghh$ma ImË`mZo _ Oya Ho$coë`m nmoq>{z`_m Mr Zm X KoUo. 8) gz gmbmh$[avm d Ym{ZH$ boimnarjh$m Mr {Z`wŠVr H$aUo d Ë`m Mm _ohzvmzm R>a{dUo. 9) g MmbH$ d Ë`m Mo ZmVodmB H$ `m Zm {Xboë`m H$Om Mr Zm X KoUo. 10) H$O ašh$_m ^aê`mgmr>r {Xcoë`m gwq>rg _ Owar XoUo. 11) B_maV {ZYr_Yrc a $_ ê$.5 H$moQ>r Jw VdUyH$ MT>CVma {ZYrg dj Ho$coë`m ì`dhmamg _ Owar XoUo. 12) nmoq>{z`_ Xþê$ñVrg _mý`vm XoUo. 13) godh$ AmH ${V~ Y (Staffing Pattern) cm _ Owar XoUo. 14) gz _Yrc ~±Ho$À`m B_maVtÀ`m IaoXr, {dh«$s d VX²Zwf {JH$ ì`dhmam Mm AmT>mdm KoUo. 15) g MmcH$ _ S>i gxñ`m Zm {d{dy gw{dym XoÊ`mg _ Owar XoUo. 16) gz _Yrc g^mgx à{eju H$m` H«$_mg _ Owar XoUo. 17) dm{f H$ gd gmymau g^og AZwnpñWV AgUmè`m g^mgxm Mr AZwnpñWVr j_m{nv H$aUo. 18) _mzzr` AÜ`jm À`m nadmzjrzo EoZdoir `oumè`m {df`m da MMm H$aUo. gxa g^og ~±Ho$À`m gd g^mgxm Zr CnpñWV ahmdo Aer Z_«{dZ Vr Amho. ñwi : H$amS {X. : 4 gßq> ~a 2014 _m. g MmcH$ _ S>imÀ`m AmXoemZwgma gre. [X. _. Jwad _w»` H$m` H$mar A{YH$mar 01

2 ANNEXURE"A" n[a{eîq> "A' Name of Bank The Karad Urban Coopeative Bank Ltd., Karad (Scheduled Bank) ~±Ho$Mo Zmd {X H$amS> A~ Z H$mo Am n. ~±H$ {c., H$amS>. (eos>çÿës> ~±H$) Head Office Address Registration Date Reserve Bank License No. Area of Operation } 516/2, Shaniwar Peth, Shahu Chowk, Karad, Dist. Satara PIN UBD/MH/885P, Dated Urban/Semi urban Centers including rural area within the periphery of 10 K.M. from those centers from Satara, Sangli, Pune, Solapur, Kolhapur, Ratnagiri, Raigad District and new Mumbai, Greater Mumbai and its suburbs. _w»` H$m`m c` nîmm Zm oxur {XZm H$ [apìh ~±H$ cm`goýg Z ~a H$m` joì : } 516/2, e{zdma nor>, emhÿ Mm H$, H$amS> , {O. gmvmam `w.~r.s>r./e_.em./885 nr. {X gmvmam, gm Jcr, nwuo, gmocmnya, H$moëhmnya, aëzm{jar d am`js> `m {Oëøm Vrc ZmJar/{Z_ZmJar H $Ðo Am{U Ë`mH o$ðm^modvrà`m 10 {H$. _r. n[agamvrc J«m_rU ^mj d Zdr _w ~B, _w ~B _hmzja d {VMr CnZJao PARTICULARS Vnerc A) B) As on 31st March 2014 (Rs. in Lakhs) (except 1,2,6A,6B,9,10,12) Branches (H.O.+ Extn. Counter) Membership Shareholders Nominal Member Paid Up Share Capital Reserve and Other Funds Deposits Savings Current Fixed Loans and Advances Secured Unsecured % of Priority Sector % of Weaker Section Borrowings Investments % of Overdues Audit Class Profit (Before Tax) Staff Working Capital } % % % "A' _mm 2014 AIoa (a $_ ê$. cmimv) (H$m c_ 1, 2, 6A, 6~, 9, 10, 12 gmosy>z) 1. _w»` H$m`m c`mgh EHy$U emim+ {dñvm[av H$j 2. g^mgx {Z`{_V Zm_Ymar 3. dgyc ^mj ^m S>dc 4. amird d BVa {ZYr 5. R>odr gopìh ½O Mmcy _wxv 6. H$O} VmaUr H$O} {~ZVmaUr H$O} A. AJ«H«$_ joì ~. Xw~ c KQ>H$ 7. ~mhoarc XoUr H$O} 8. Jw VdUyH$ 9. WH$~mH$sMo à_mu 10. Am S>rQ> dj 11. Z\$m (H$anyd ) 12. EHy$U godh$ 13. IoiVo ^m S>dc } % % % "A'

3 gý_mzzr` g^mgx ~ Yy ^{JZtZmo, R>odr : H$O} : dm{f H$ Ahdmb ( ) 31 _mm 2014 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$arV Amho. Am{W H$ àjvr Ahdmc dfm V ~±Ho$À`m R>odr ê$ H$moQ>tZr dmty>z Ë`m ê$ H$moQ>r Pmë`m. R>odt_Ü`o 18.19% Zr dmt> Pmcr Amho. Ahdmc dfm V R>od C^maUr IMm Mm gamgar Xa 8.32% BVH$m am{hcm Amho. A~ Z evmãxr R>od `moozog {_imcocm à{vgmx Am{U J«mhH$m Mr _mjur `mmm {dmma H$ê$Z A~ Z evmãxr gr.q>r.s>r. `moozm {X.1 _o 2013 nmgyz 31 _mm 2014 `m H$mcmdYrgmR>r nwýhm gwê$ H$aÊ`mV Amcr. gxa `moozov Ahdmc gmcmv ê$ H$moQ>r R>odr g H${cV Pmë`m. VgoM {X.5 Am JñQ> 2013 Vo 31 _mm 2014 `m H$mcmdYrgmR>r CËH$f R>od `moozm Am{U {X.1 OmZo Vo 31 _mm 2014 `m H$mcmdYrgmR>r {deof _wxv R>od> `moozm gwê$ H$aÊ`mV Amcr. gxa `moozm VJ V Ahdmc gmcmv AZwH«$_o ê$ H$moQ>r d ê$ H$moQ>r R>odr g H${cV Pmë`m. 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$O dmt>rmo à_mu 14.47% BVHo$ AgyZ gr.s>r. aoemo 62.37% BVH$m am{hcm. gxa Am{W H$ dfm _Ü`o g_yh H$Om gmr>r _hîm `m Xm ê$.40 H$moQ>r Va d `{º$H$ H$Om Mr _hîm `m Xm ê$.15 H$moQ>r hmovr. AJ«H«$_ joìmg {Xcoë`m H$Om Mo EHy$U H$Om er à_mu % AgyZ Xþ~ c KQ>H$m gmr>r EHy$U H$Om À`m % nvnwadr>m Ho$cm Amho. ê$.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$U 217 ImË`m Zm `mmm cm^ {_iv Amho, `m_ü`o ê$ H$moQ>tMr H$O} g_m{dï> AmhoV. Xadfu H«o$S>rQ> aoq>tjmm \$m`xm KoUmè`m J«mhH$m À`m g»`ov dmt> hmov Amho. _hîdmmo Am{W H$ {ZîH$f : g^mgx g»`m ^mj^m S>dc ñd{zyr gr.ama.e.ama.% ZŠV EZ.nr.E.% EHy$U CËnÞ EHy$U IM T>mo~i Z\$m VaVwXr Am`H$a {Zìdi Z\$m ( ah$_m ê$. H$moQ>rV) dmt>

4 ^m S>dc n`m ávm à_mu : ì`dgm` dmt>r~amo~am [añh$ doq>os> A goq>_ü`o dmt Pmcr H$s ^m S>dc n`m ávm à_mumda ^m S>dc n`m ávm à_mu 11.60% EdT>o AgyZ Mmcy dfu ho à_mu 10.85% BVHo$ amico Amho. (CRAR) _`m Xm `ovmv. JVdfu WH$~mH$s d EZ.nr.E. Ahdmc gmcmv ~±Ho$Zo dgwcrgmr>r ì`mnh$ à`ëz Ho$co. EH $XarV dgwcrà`m AmKmS>rda g_mymzh$mah$ H$m_{Jar Ho$cr AgyZ OwÝ`m EZ.nr.E. ImË`mVyZ dgwcr Pmcocr Amho. ~± ±Ho$Mr EHy$U EZ.nr.E. dgwcr ê$ H$moQ>r n`ªv Pmcr Amho. _mm 2013 AIoa T>mo~i EZ.nr.E. Mo à_mu 4.34% EdT>o hmovo, Vo _mm 2014 AIoa 6.70% Va {Zìdi> EZ.nr.E. À`m à_mumv JVdfuÀ`m VwcZoV dmt> hmod$z Vo 4.28% Pmco Amho. VgoM Ahdmc df AIoarg WH$~mH$sMo à_mu 3.17% 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$aÊ`mdmMyZ n`m ` am{hcm Zmhr. WH$sV H$Om À`m dgwcrgmr>r AZoH${dY H$m`Xoera _mjmªmm Adc ~ H$aÊ`mV Amcm. Am{W H$ _ Xr d amoh$s` ApñWaVm `m_wio dgwcr à{h«$`ocm Ano{jV à{vgmx {_iy Z eh$ë`mzo WH$~mH$s Am{U EZ.nr.E. Mo à_mu JVdfunoúmm dmt>coco {XgV Amho. _mì dfm AIoarZ Va cjomm dgwcrmm H$mc~Õ H$m` H«$_ hmvr KoÊ`mV Amcm Amho Am{U Ë`mMm gmvë`mzo AmT>mdm KoD$Z _mm 2015 AIoa WH$~mH$s d EZ.nr.E. {Z` ÌUmV R>odcr OmB c. Z\$m {d^mjur : _mm 2014 AIoa ê$ H$moQ>tMm T>mo~i Z\$m Pmcm, Ë`mVyZ VaVwXr ê$ H$moQ>r d Am`H$a ê$ H$moQ>r dom OmVm (H$amoÎma) {Zìdi Z\$m ê$.6.21 H$moQ>r Pmcm Amho. JVdfu {Zìdi Zâ`mMo à_mu gamgar IoiË`m ^m S>dcmÀ`m 0.79% hmovo, `mdfu ho à_mu 0.31% Amho. Zâ`mMr {d^mjur Imcrcà_mUo$ H$aÊ`mg g MmbH$ _ S>imZo gd gmymau g^og {e\$mag Ho$br Amho. Vnerc 1) J JmOir (25%) 2) {deof J JmOir ( AmH$pñ_H$ H$maUmH$[aVm ZŠV Zâ`mÀ`m 10%) 3) cm^m e (8%) 4) B_maV {ZYr EHy$U ê$n`o 1,55,34, ,13, ,98,71, ,18, ,21,37, g MmcH$ d Ë`m Mo ZmVodmB 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 : 04

5 Vnerc 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 AÜ`j / CnmÜ`j {ZdS> g^m g^mgx _m{hvr V ÌkmZmVrc àjvr dfm À`m gwédmvrg `ouo 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$s Ahdmc dfm V gah$mar amoio ~momamvrc KSm>_moS>rda 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$aUo eš` Pmë`mZo g nyu dfm V `m ì`dhmamvyz ê$.7.91 H$moQ>tMm Z\$m {_imcm Amho. Ahdmc gmcmv gah$mar amoio IaoXr {dh«$s_yrc CcmT>mc ê$.5792 H$moQ>tMr AgyZ IaoXr d {dh«$sà`m EHy$U 1099 ì`dhmam VyZ hm Z\$m Pmcm Amho. S>m caà`m VwcZoV ê$n`mmr KgaU ZrMm H$s Pmcr. {dxoer Jw VdUyH$Xmam Zr amoio d g_^mj ~momamvyz {ZYr H$mTy>Z KoVë`mZo XoemVrc amo»`m À`m qh$_vr Kgaë`m. Ë`m_wio H$O amo»`m À`m _yë`m H$Zm_Ü`o _mor>r KgaU Pmcr, n[aum_ñdê$n ê$ H$moQ>tMr VaVyX H$aUo H«$_àmá Pmë`mZo ~±Ho$À`m Z\$mj_Voda n[aum_ Pmcm Amho. ghh$ma H$m`ÚmV Pmcoë`m ~XcmZwgma AÜ`j d CnmÜ`j `m Mr {ZdS> nmm dfmªgmr>r Agë`mZo gxa nxmgmr>r ñdv Ì {ZdS>UyH$ KoÊ`mV Amcr Zmhr. AÜ`j åhuyz S>m. gw^mf {edam_ Ea_ d CnmÜ`j åhuyz S>m. amord Vwieram_ Am{hao ho nwt>rc {ZdS>UwH$sn`ªV H$m_H$mO nmhvrc. ~±Ho$Mo g MmcH$ lr. _mohzamd XÎmy _mir `m Zr d `{ŠVH$ H$maUm_wio {X. 10 \o$~«wdmar 2014 amoor g MmcH$ nxmmm amorzm_m {Xcm. VgoM ~±Ho$Mo VÁk g MmcH$ O` V {XJ ~a {Iao `m Mo {X. 6 E{àc 2014 amoor {ZYZ Pmco. ~±H$ EH$m AZw^dr g MmcH$mÀ`m _mj Xe Zmg _wh$cr Amho. Ahdmc gmcmv Imcrcà_mUo EHy$U 62 g^m Pmcoë`m AmhoV. g MmcH$ _ S>i 16 Jw VdUyH$ g{_vr 12 dgwcr g{_vr 06 Am S>rQ> g{_vr 04 àemgh$s` g{_vr 12 Am`.Q>r. g{_vr 05 {Z`moOZ g{_vr 04 H$m`Xm g{_vr 03 g MmcH$ _ S>imÀ`m g^og g MmcH$m Mr CnpñWVr % BVH$s hmovr. (ah$_m ê$. cmimv) Ahdmc dfm V 5738 BVHo$ ZdrZ g^mgx Pmco d 677 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 dmt>rmm doj 18.22% Amho. H$moAa ~±qh$j àumcrà`m _mü`_mvyz {d{dy AË`mYw{ZH$ godm gw{dym J«mhH$m Zm Q>ß`mQ>ß`mZo CncãY H$ê$Z {Xë`m OmV AmhoV. E.Q>r.E_. gw{dym "ê$no' H$mS> À`m _mü`_mvyz Am Va~±qH$J E.Q>r.E_. pñdmcm g c¾ Agë`m_wio Xoe^amVrc H$moUË`mhr Zmhr Zmhr Zmhr Zmhr

6 E.Q>r.E_.Ûmao ì`dhma H$aÊ`mMr gw{dym J«mhH$m Zm CncãY 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 d AMyH$Vm dmt>cr Amho. Mmcy Am{W H$ dfm V H$md}ZmH$m, dsy>o, {MniyU, a{h_vnya, ~muoa, gxm{ednor> nwuo, gxa~pma gmvmam, C ~«O, _ëhmanor>, JwcQ>oH$S>rnwUo emiov E.Q>r.E_. godm CncãY H$ê$Z XoÊ`mV Amcr. ~±qh$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$mar ~±H$ Am{U gmvmam {Oëhm _Ü`dVu ghh$mar ~±H$ `m Zm S>mQ>m g Q>aÀ`m C^maUr d H$moAa ~±qh$j gmoë`yezà`m A _c~omdur_ü`o _mocmmo ghmæ` Ho$co OmV AgyZ `m ~±Ho$À`m godh$m Zm AË`mYw{ZH$ V ÌkmZ{df`H$ n[anyu à{eju XoÊ`mMr O~m~Xmar `eñdrarë`m nyu Ho$cr OmV Amho. Ë`m_wio V ÌkmZ{df`H$ g m d _mj Xe Z `m joìmv ZdrZ AmoiI ~±Ho$Zo {Z_m U Ho$cr Amho. _wðm H$ {dh«$s d n ZH$mS> gw{dym Q >ñq>r A±S> EŠPrŠ`wQ>a{en ì`dgm` godh$ à{eju d g emoyz H $Ð AÝ` _hëëdnyu ~m~r Vi^mJ,H$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 40 emim _YyZ CncãY H$ê$Z {Xcr Amho. Ahdmc gmcmv 2725 n ZH$mS> Mo {dvau Ho$co AgyZ `m godonmgyz ê$.0.64 cmi BVHo$ CËnÞ {_imco Amho. 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$vrmo ì`dñwmnz B. godm {Xë`m OmV AmhoV. AmOAIoa 18 Q >ñq> ì`dñwmnzmgmr>r Am{U 33 BÀN>mnÌo go\$ H$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$m ~amo~am ~±H$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 dmvmzwhy${cv AmhoV. ^{dî`mv pìhs>ramo H$m Ý\$apÝg J Ûmao à{eju H$m` H«$_ KoÊ`mMr gmò Ho$cr OmUma Amho. Mmcy Am{W H$ 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 785 godh$ Am{U BVa ~±Ho$Vrc 1796 godh$ gh^mjr Pmco. g MmcH$, d[aîr> A{YH$mè`m gmr>r {deof à{eju djmªmo Am`moOZ H$aÊ`mV Amco hmovo. Am Úmo{JH$ d godm joìmmo _hîd AmoiIyZ _mor>çm àh$ënm Zm {dîm ghmæ` H$aÊ`mV ~±Ho$Mo A{YH$mar nma JV ìhmdov åhuyz {deof H$m` H«$_m Mo Am`moOZ `m dfu nmgyz gwê$ Ho$co Amho. AÝ` ~±H$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$aÊ`mV Amcm AgyZ Ë`mg CÎm_ à{vgmx {_iyz 93 {dúmï`mªzr H$mog gmr>r àdoe KoVcm. gxa H$mog _Yrc _wctmr/_{hcm Mr cjur` g»`m nmhÿz _{hcm g~crh$aummm à`ëz à{eju H $ÐmV\}$ Ho$cm OmV Amho. à{vdfm à_muo Eg.Or.E_. H$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 Am{U amomam_~mny ghh$mar ~±H$ {c., nor> `m Zr KoVcm. VgoM ncyg ghh$mar ~±H$ {c., ncyg, e H$aamd _mo{hvo nmq>rc ghh$mar ~±H$ {c.,ah$cyo, H$ mßnmêum AmdmS>o BMcH$a Or OZVm ghh$mar ~±H$ {c., BMcH$a Or, Zm XUr ghh$mar ~±H$ {c., Zm XUr, OZVm ghh$mar ~±H$ {c., AmOam, nmíd ZmW H$moAm n. ~±H$ {c.,h$moëhmnya, H$amS> _MªQ> d _{hcm _MªQ> nvg ñwm, H $. ñdm. g. em_amd nmq>rc ZmJar ghh$mar nvg ñwm C S>mio B. ~±H$m d nvg ñwm_yrc godh$m gmr>r {d{dy à{eju H$m` H«$_m Mo Am`moOZ H$aÊ`mV Amco. 06

7 [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 Amco. g_dvu A VJ V coimnarju _w»` H$m`m c` d emim Mo g_dvu coimnarju ho ê$. 100 H$moQ>rnojm OmñV ì`dgm` AgUmè`m emim Mo nm{jh$ nõvrzo d ê$.100 H$moQ>rnojm H$_r ì`dgm` AgUmè`m emim Mo _m{gh$ nõvrzo Ho$co OmVo. Am{W H$ df _Yrc n{hë`m {V_mhrMo coimnarju gz _Yrc Zo_UwH$sà_mUo nyu H$aUoV Amco. {X.1 Owc 2013 Vo {X.31 _mm 2014 `m H$mcmdYrMo A VJ V coimnarju 7 emim Mo nm{jh$ nüxvrzo d 40 emim Mo _m{gh$ nüxvrzo ì`mdgm{`h$ MmQ> S> AH$m Q> Q> \$_ g² `m MoH$Sy>Z H$aÊ`mV Amco. EH$m emiomo coimnarju _w»` H$m`m c`, "Am S>rQ> A±S> BÝñnoŠeZ' {d^mjmh$sy>z H$aÊ`mV Amco. VgoM _w»` H$m`m c`mmo coimnarju gre. CX` Hw$cH$Uu Am{U J wvduyh$ coimnarju _o. OmYd VmZmOramd Am{U H $. `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 27 do [apìh ~±H$ BÝñnoŠeZ ({X.31 _mm 2013 amoor g ncoë`m Am{W H$ dfm Mo) {X. 7 Zmoìh ~a 2013 Vo 27 Zmoìh ~a 2013 `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$Z gz `m Am{W H$ dfm Vrc emim À`m H$m` j_voda AmYm[aV Imbrbà_mUo nwañh$ma qmvz {e{~am_ü`o àxmz H$aÊ`mV Ambo. JQ> A JQ> ~ JQ> H$ àw_ H$d}amoS>, nwuo àw_ qghjs>amos>, nwuo àw_ gmocmnya {ÛVr` nmodb ZmH$m,gmVmam {ÛVr` H $ån, nwuo {ÛVr` ~muoa, nwuo VgoM gz gmbmh$[avm g_mo^yfu nw. nm. VWm ~m~wamdor JmoIbo JwUd V godh$ nwañh$ma g Vmof dmk_mao (H${Zð> A{YH$mar) d JwUrd V ^mogco ({enmb ) `m Zm àxmz H$aÊ`mV Ambm. A VJ V VH«$ma g{_vr H$m_mÀ`m {R>H$mUr hmoumam _{hcm Mm c {JH$ N>i (à{v~ Y, _ZmB, {ZdmaU) H$m`Xm, 2013 AÝd`o A VJ V VH«$ma g{_vr ~±Ho$Zo ñwmnz Ho$cocr AgyZ H$amS>, gmvmam, gm Jcr, nwuo [aoz_ü`o ñwm{nv g{_vrmm Ahdmc Imcrc à_muo 1. {X. 31 _mm 2014 AIoa ~±Ho$g àmá VgoM {ZH$mcr VH«$matMr g»`m : H$mhr Zmhr {Xdgm nojm OmñV H$mcmdYrgmR>r àc ~rv Agcoë`m VH«$mar VgoM AmñWmnZmZo àmá VH«$mar~m~V Ho$coë`m H$m` dmhrmo ñdén : cmjy Zmhr. 3. gxa H$m`ÚmÝd`o Am`mo{OV H$m` emim Mr g»`m : 2 07

8 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$amS>, gmvmam, H$moëhmnya, nwuo, gmocmnya, gm Jcr `m {d^mjm_ü`o 101 H $Ðm _m\ $V "J«W Vw_À`m Xmar..' hr `moozm H$m`m pýdv Ho$cr Amho. 101 ì`m noq>rmm ew^ma ^ à{gõ A{^ZoÌr _ Umc XodHw$cH$Uu `m À`m hñvo Pmco. ~±Ho$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$dJ d Õrg _XV hmov Amho. {X.27 {S>g ~a Vo 31 {S>g ~a 2013 `m H$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 5 do 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 n[admamzo 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. H$amS> `owrc ñd.s>m.x.{e.ea_ An J ghmæ` g ñwozo {X.7 OmZodmar 2014 amoor ApñW An J VnmgUr d CnMma Am{U H $Ìr_ gmyz dmq>n {e{~ammo Am`moOZ Ho$co hmovo. 253 An JmZm `m {e~rammm cm^ {_imcm. `m {e{~am_ü`o ~±Ho$À`m godh$m Zr ñd` godh$ åhuyz CËñ\y$V nuo gh^mj KoVcm. à{vdfm à_muo 26 OmZodmar 2014 amoor godh$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 {dúmdmmñnvr e H$a Aä` H$a `m Mo " AmOMr {nt>r Am{U ñdm_r {ddoh$mz X' `m {df`mda ì`m»`mz Am`mo{OV H$aÊ`mV Amco hmovo. H$amS> d n[agamvrc J«m_rU ^mjmvrc hmovh$ê$, {OÔr Am{U ì`dgm`m_ü`o CVaÊ`mMr AmH$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. n`mox B S>ñQ >ro²mo g ñwmnh$ X`mZ X cmo T>o `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. gmvmam ehamvrc emim À`m ì`dgm`mmr ê$.525 H$moQ>tMr nyv Vm Pmë`m~Ôc AmZ XmoËgd d H $VkVm gmohù`mmo Am`moOZ {X.5 Am ŠQ>mo amoor H$aÊ`mV Amco. gmvmè`mvrc AZoH$ _mý`dam Mr `m gmohù`mg CnpñWVr hmovr. ^{dî`h$mcrz `moozm " pìhoz 2017 ' `m nwxeu YmoaUmV evmãxraioarc ~±Ho$Mr dmq>mmc {dñvmamzo AYmoao{IV Ho$cr Amho. Ë`mg AZwgê$Z XadfuMr C{ÔîQ>ço {ZpíMV H$ê$Z {Z`moOZ~Õ dmq>mmc H$arV AmhmoV. VgoM Ë`mMm Xa {V_mhrg AmT>mdm KoD$Z Ë`mV Amdí`H$VoZwgma gwymaum Ho$ë`m OmV AmhoV. Mmcy Am{W H$ dfm À`m AIoarg åhuoom _mm 2015 AIoa ~±Ho$Mm EHy$U ì`dgm` ê$.3700 H$moQ>r hmob c. ~±Ho$À`m `m `eñdr dmq>mmcrmo gd ñdr lò Amnë`m J«mhH$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$cmo AmhmoV. g MmcH$ _ S>imÀ`m dvrzo, S>m. gw^mf Ea_ AÜ`j gm_m{oh$ H$m` 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* cm^m e Dividend* ^mj^m S>db Share Capital J JmOir d BVa {ZYr Reserve & Other Funds ñd{zyr Own Funds R>odr Deposits R>odrVrc dmt> à_mu Growth Rate of Deposits * H$O} Loans & Advances H$Om Vrc dmt> à_mu Growth Rate of Loans & Advances* AJ«H«$_ H$O} Priority Sector Advances AJ«H«$_ H$O}à_mU % of Priority Sector Advances * Jw VdUyH$ Investment IoiVo ^m S>dc Working Capital H$anyd {Zìdi Z\$m Net Profit Before Tax WH$~mH$s Overdues WH$~mH$sMo H$Om er à_mu % of Overdues to Loans & Advances* g e{`v ~ws>rv H$O} Doubtful & Loss Advances g e{`v d ~ws>rv H$O {ZYr Bad & Doubtful Debts Reserve A A A A 8 % 9 % 10 % 10 % % % % % % % % % % % 54.75% 47.86% % 3.01 % 3.38 % 3.44 % A 8 % ({e\$mag) % % % %

10 {X. 31 _mm 2014 AIoaMm Vmio~ X Sr. No. Capital & Liabilities ^m S>db d XoUr Schedule As on As on Share Capital ^mj^m S>db 1 559,205,71 472,968,72 2 Reserve Fund & Other Reserves 2 974,383, ,055, amird {ZYr d BVa {ZYr 3 Principal / Subsidiary State Partnership A/c emgzmmo à_wi / ghmæ`h$mar {ZYr ImVo 4 Deposits & Other Accounts 3 19,702,056, ,669,786, R>odr d AÝ` ImVr 5 Outside Borrowings ~mhoarc H$O} 4 200,000,00 250,000,00 6 Interest Payable (Deposits & Borrowings) 5 373,794, ,950, ì`mo XoUo (R>odr d H$Om darb) 7 Other Liabilities and provisions 6 92,915, ,164, BVa XoUr d VaVwXr 8 Income Tax Provision Am`H$a VaVwXr 32,600,00 73,800,00 9 Branch Adjustments emim O_mIM 10 Overdue Interest Reserve on Non Performing Assets 364,216, ,649, (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) 8,316, ,863, dgwbrgmr>r ñdrh$mabobr {~bo (Xw~oaOr) 12 Profit & Loss Account 62,137, ,356, Z\$m VmoQ>m ImVo 13 Collection A/c Shri Parshwanath Coop. Bank Ltd. 12,819, ,819, H$coŠeZ ImVo (lr nmíd ZmW H$moAm n. ~±H$ {c.) EHy$U 22,382,447, ,118,415, Contingent Liabilities / Bank Guarantees / ~±H$ J a Q>rO² 452,551, Inland Letter of Credit / 18,591,12 EHy$U g ^mì` XoUr Xoem VJ V boq>a Am \$ H«o${S>Q> 471,142, ,902, ,203, ,106, Place : Karad Date : V. K. Joshi Dy. Chief Executive Officer (Accounts Dept.) Subject to our Audit Report For U V K & Associates Chartered Accountants CA. Uday V. Kulkarni (Partner) Internal Auditors M. No CA. Dilip M. Gurav Chief Executive Officer As per our Report of even date For M/s. Limaye & Company Chartered Accountants CA. Vijay Thakkar (Partner) Statutory Auditors M. No

11 o Balance Sheet as on 31st March 2014 Sr. No. Properties & Assets qoxjr d _mc_îmm Schedule As on As on Cash and Balance with Banks 7 2,760,639, ,659,193, amoi {eëbh$ d ~±Ho$Vrb {e H$ 2 Investments 8 6,380,304, ,900,193, 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 9 12,287,317, ,734,226, H$O} 5 Fixed Assets ,307, ,067, H$m` mb_îmm 6 Other Assets ,746, ,421, BVa _mb_îmm 7 Advance Income Tax 46,600,00 73,800,00 AmJmD$ Am`H$a 8 Overdue Interest Receivable on Non Performing 364,216, ,649, Assets (As per Contra) CËnÞ j_vm Zgboë`m H$O ImË`mdarb (EZnrE) WH$ì`mO `ouo (Xw~oaOr) 9 Bills Receivable (Being Bills for Collection as per Contra) 8,316, ,863, dgwbrgmr>r nmr>{dbobr {~bo (Xw~oaOr) 10 Non Banking Assets Zm Z ~±qh$j A goq>g² EHy$U 22,382,447, ,118,415, Dr. Rajiv T. Ahire ViceChairman Directors Dr. Subhash S. Erram Chairman S. R. Joshi D. B. Jadhav S. R. Kulkarni A. S. Inamdar Dr. A. S. Lahoti V. P. Gokhale C. V. Doshi S. G. Mantri S. S. Joshi A. P. Shinde S. S. Shinde B. B. Raiwad Mrs. S. A. Palkar R. A. Mohite S. V. Jadhav A. A. Bodhe V. Y. Patil (Staff Rep.) R. C. Pawar (Staff Rep.) V. R. Jadhav Adv. V. B. Patil Mrs. M. C. Dhawale 11

12 Sr. No. 1 INCOME {X. 31 _mm 2014 amoor g nboë`m Am{W H$ dfm Mo Z\$mVmoQ>m nìh$ CËnÞmÀ`m ~m~r {_imbobo ì`mo BVa CËnÞ Profit & Loss Account for the year ended Schedule As on Interest Received 12 2,114,470, Other income ,796, As on ,767,181, ,070, Income EHy$U CËnÞ 2,281,266, Zmdo d IMm À`m ~m~r 2 EXPENDITURE Interest on Deposits & Borrowings R>odr d H$Om darb ì`mo$ 14 1,496,393, Staff Salaries & Allowances etc. godh$ njma d ^Îmo B. 269,777, Establishment Expenses ì`dñwmnz IM ,283, Expenditure EHy$U IM 1,985,454, ,935,251, ,227,604, ,924, ,914, ,675,444, GROSS PROFIT 4 PROVISIONS 5 PROFIT BEFORE TAX 6 INCOME TAX PROVISION 7 NET PROFIT T>mo~i Z\$m VaVwXr H$anyd Z\$m Am`H$a VaVwXr {Zìdi Z\$m (Vmio~ Xmg dj ) (Transferred to Balance Sheet) 295,812, ,075, ,737, ,600,00 62,137, ,807, ,651, ,156, ,800,00 132,356, TOTAL 2,281,266, ,935,251, Dr. Rajiv T. Ahire ViceChairman Directors Dr. Subhash S. Erram Chairman S. R. Joshi D. B. Jadhav S. R. Kulkarni A. S. Inamdar Dr. A. S. Lahoti V. P. Gokhale C. V. Doshi S. G. Mantri S. S. Joshi A. P. Shinde S. S. Shinde B. B. Raiwad Mrs. S. A. Palkar R. A. Mohite S. V. Jadhav A. A. Bodhe V. Y. Patil (Staff Rep.) R. C. Pawar (Staff Rep.) V. R. Jadhav Adv. V. B. Patil Mrs. M. C. Dhawale V. K. Joshi Dy. Chief Executive Officer (Accounts Dept.) Subject to our Audit Report For U V K & Associates Chartered Accountants CA. Uday V. Kulkarni (Partner) Internal Auditors M. No CA. Dilip M. Gurav Chief Executive Officer As per our Report of even date For M/s. Limaye & Company Chartered Accountants CA. Vijay Thakkar (Partner) Statutory Auditors M. No

13 SCHEDULES TO THE B/S and P & L ACCOUNT SCHEDULE 1 SHARE CAPITAL SCHEDULE 5 INTEREST PAYABLE (DEPOSITS & BORROWINGS) As on As on As on As on A. Authorised Share Capital (7,50,00,000 Equity Shares of Rs. 750,000,00 750,000,00 A. Interest Payable on Deposits 370,820, ,312, each) B. Interest Payable on outside Borrowings 2,974, ,638, B. Subscribed and Paidup Capital (Previous year ) Shares of Rs.10 each 559,205,71 472,968,72 373,794, ,950, ,205,71 472,968,72 SCHEDULE 6 OTHER LIABILITIES AND PROVISIONS SCHEDULE 2 RESERVE FUND & OTHER RESERVES A. Statutory Reserve Fund B. Building Fund C. Bad & Doubtful Debts Reserve D. Investment Fluctuation Fund E. Capital Reserve Fund F. Contingent Provision Against Standard Assets G. Provision against Contingencies H. Contingent Provision Against Depreciation on Investments A. Fixed Deposits 1. Individual SCHEDULE 3 DEPOSITS & OTHER ACCOUNTS 2. CoOperative Societies Sub A B. Savings Deposits 1. Individual 2. CoOperative Societies Sub B C. Current Deposits 1. Individual 2. CoOperative Societies 3. Cash Credit (Credit Balance) Sub C Deposits (A + B + C) As on ,645, ,886, ,936, ,280,00 57,500,00 3,635, ,500,00 974,383, As on ,401,001, ,661,810, ,062,812, ,609,929, ,290, ,618,219, ,425, ,462, ,137, ,021,024, ,702,056, As on ,094, ,479, ,567, ,056,50 7,223,50 45,000,00 3,635, ,000,00 729,055, As on ,466,183, ,849,028, ,315,211, ,478,688, ,095, ,484,784, ,397, ,546, ,845, ,789, ,669,786, A. Dividend Payable B. Anamat Payable C. Miscellaneous Payable D. Sundry Creditors (General Reserve Fund) SCHEDULE 7 CASH AND BALANCE WITH BANKS A. Cash in hand and at ATM B. Current Accounts with Banks 1. Reserve Bank of India 2. 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. 6. ICICI Bank Ltd. 7. HDFC Bank Ltd. 8. Axis Bank Ltd. B C. Fixed Deposits with Banks 1. Satara District Central Coop. Bank Ltd As on ,482, ,863, ,905, ,664, ,915, As on ,672, ,487,020, ,995, ,146, ,788, ,451, ,092, ,400, ,519, ,851,415, ,194, As on ,049, ,321, ,920, ,873, ,164, As on ,523, ,399,709, ,838, ,990, ,903, ,168, ,739, ,425, ,800, ,701,575, ,050,00 SCHEDULE 4 OUTSIDE BORROWINGS 2. Maharashtra State Coop. 3,000,00 3,000,00 As on As on Bank Ltd. Mumbai (Of which Rs. 30 lakh pledged with MSC Bank Ltd. as security A. B. C. Small Industries Development Bank of India (Refinance) NABARD (Refinance) MSC Bank Ltd. (Overdraft against Fixed Deopsits) 200,000,00 200,000,00 250,000,00 250,000,00 for Overdraft facility) 3. Other Banks C (A + B + C) 674,357, ,552, ,760,639, ,044, ,094, ,659,193,

14 SCHEDULE 8 INVESTMENTS SCHEDULE 9 LOANS & ADVACNES As on As on Rs. Ps As on As on Rs. Ps 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 2. Maha. State Coop. Bank Ltd. Mumbai 3. Karad Urban M.S.Grahak Bhandar Ltd. 4. Apex Coop. Bank of Maharashtra & Goa Urban Banks Ltd. Mumbai 5. Maha. State Urban Coop. Bank Ltd. 6,298,272, ,286,00 1,600,00 1,667,00 10,00 4,816,011, ,987,00 1,600,00 1,667, ,00 10,00 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 6,365,610, ,020, ,087,625, ,802, ,642, ,963, ,837, ,162,702, ,616, ,892,860, ,662, ,510, ,225, ,641, (C) 3,277,00 3,726,10 Loans & Advances (A+B+C) 12,287,317, ,734,226, D. Other Investments 1. Industrial Finance Corp. Ltd. Shares 2. VHTRL DDB Bank of India Bonds 4. Margin with CCIL for Security Segment 5. Margin with CCIL for CBLO Segment (D) (A + B + C + D) 40,00 9,228,75 8,000,00 60,100,00 100,00 77,468,75 6,380,304, SCHEDULE 9 LOANS & ADVACNES 40,00 9,228,75 8,000,00 60,100,00 100,00 77,468,75 4,900,193, A. Land & Buildings (Less Depreciation) SCHEDULE 10 FIXED ASSETS B. Dead Stock & Furniture (Less Depreciation) C. Machinery, Computers & Softwares (Less Depreciation) As on ,463, ,530, ,636, As on Rs. Ps 94,357, ,398, ,746, As on As on Rs. Ps D. Vehicles (Less Depreciation) 5,414, ,824, A. Short Term Loans & Advances a. Secured against Govt. & Other Trustee Securities 1,777,259, ,848, ,487,014, ,409, E. Miscellaneous Assets (Less Depreciation) 8,262, ,307, ,740, ,067, of which overdues Including Bad & Doubtful b. Secured against Other Tangible Assets 496, ,756,663, ,468,636, SCHEDULE 11 OTHER ASSETS As on As on Rs. Ps of which overdues Including Bad & Doubtful 42,324, ,218, ,350, ,655, A. Advances Given 26,719, ,639, c. Individual Guarantees (Clean Loans) of which overdues 9,747, , ,968, , B. Interest Receivable on Investments C. Other Receivables 141,033, ,993, ,431, ,350, Including Bad & Doubtful 226, , B. Medium Term Loans & Advances a. Secured against Govt. & Other Trustee Securities Of which overdues Including Bad & Doubtful 4,144,446, ,593, , ,084,509, ,525, ,746, SCHEDULE 12 INTEREST RECEIVED As on ,421, As on b. Secured against Other Tangible Assets Of which overdues Including Bad & Doubtful c.individual Guarantees 4,060,070, ,286, ,536, ,032,038, ,034, ,725, Interest Received on a. Loans & Advances b. Investments 1,575,763, ,707, ,114,470, ,364,698, ,483, ,767,181, (Clean Loans) 73,783, ,945, Of which overdues 2,905, ,766, Including Bad & Doubtful 367, ,

15 SCHEDULE 13 OTHER INCOME SCHEDULE 15 ESTABLISHMENT EXPENSES As on As on As on As on A. B. C. Commission, Exchange, Brokerage etc. Profit on Sale of Securities Profit on Sale of Assets D. Other Receipts i) Dividend on Shares ii) Locker Rent iii) Other Income SCHEDULE 14 INTEREST ON DEPOSITS & BORROWINGS 15,672, ,060,68 15,408, ,69 9,854, ,471, ,796, As on ,268, ,578, ,63 163,25 8,977, ,039, ,070, As on A. B. C. D. E. F. G. H. I. J. K. Rent,Light,Insurance,Taxes etc. Printing, Stationery & Advertisement Depreciation & Repairs of Property Directors, Local Advisory Committee Fees, Allowances & Travelling Exp. Audit Fees Legal Charges Postage Telegram & Telephone Deposit Insurance (DICGC) Premium Other Expenses Loss on Sale of Assets Pigmy Commission 46,302, ,729, ,794, , ,473, , ,697, ,654, ,978, , ,895, ,391, ,527, ,182, ,030, ,619, , ,740, ,400, ,372, , ,891, A. Interest paid on Deposits 1, , ,225,907, ,283, ,914, B. C. Interest paid on Borrowings Repo Interest Expenses 21,232, ,334, ,496,393, ,647, , ,227,604, SCHEDULE 16 PROVISIONS As on As on A. Towards Amortisation of Premium on Investments 7,756, ,916, B. Towards Bad & Doubtful Debts Reserve 48,000,00 30,000,00 C. Towards Provision for Standard Assets 12,500,00 8,500,00 D. Provision for Depreciation in Investments 132,818, E. Investment Fluctuation Reserve 10,235,00 201,075, ,651,

16 Sr. No. Disclosures as per RBI Guidelines As on (Rs. in Lacs) As on Capital to Risk Assets Ratio Movement in CRAR % 11.60% 3 A. Tier I Capital B. Tier II Capital C. Capital Funds ( A+B ) D. Risk Weighted Assets E. Tier I Capital to Risk Weighted Assets F. Tier II Capital to Risk Weighted Assets G. Capital Funds to Risk Weighted Assets Value of Investments % 1.57 % % % 1.76 % % 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 Face Value Book Value Market Value Advances against Real Estate, Construction Business, Housing A. Builders & Developers (Construction Business) B. Housing C.Others Advances against Shares & Debentures Advances to Directors & their Relatives NIL N I L A. Advances to Directors a. Fund Based b. Non Fund Based B. Advances to Relatives of Directors N I L N I L 7 8 a. Fund Based b. Non Fund Based Average Cost of Deposits NPAs N I L % N I L % A. Gross NPAs. % to Advances B. Net NPAs. % to Net Advances % % % % 16

17 Sr. No. Disclosures as per RBI Guidelines As on (Rs. in Lacs) As on Movement in NPAs. Opening Balance Add : Additions during the year Less : Recovery during the year Closing Balance Profitability Ratios A. Interest Income as % of Working Funds B. Non Interest Income as % of Working Funds C. Operating Profit as % of Working Funds D. Return on Assets % 0.84 % 1.49 % 0.31 % % 1.00 % 1.55 % 0.79 % E. Business ( Deposits + Advances ) per Employee F. Profit per Employee Provisions made during the year 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 Movement in Provisions A. Towards NPA Opening Balance Add : Provision made during the year Add : Recovery from Loan Closing Balance B. Towards Depreciation on Investments Opening Balance Add : Additions during the year Closing Balance C. Towards Standard Assets Opening Balance Add : Additions during the year Closing Balance Foreign Currency Assets & Liabilities N I L 45 N I L 14 Deposit Insurance (DICGC) Premium Paid April 2013 Sept / April 2012 Sept Oct Mar / Oct Mar April 2014 Sept / April 2013 Sept (The payments are made within stipulated time)

18 Disclosures as per RBI Guidelines (Rs. in Lacs) Sr No. Amount Extent of below investment grade Securities Extent of unrated Securities Extent of unlisted Securities 15 i) Issuer composition of Non SLR Investments PSUs FIs Public Sector Banks a) Bonds b) FDs Mutual Funds 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 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) Maximum (Outstanding during the year) Daily Average (Outstanding during the year) NIL NIL NIL NIL 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 Penalty Imposed by RBI NIL 18

19 Notes Forming Part of The Financial Statements (A) 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) Income/Expenditure is generally accounted for on accrual basis, unless otherwise stated. (b) Interest on performing advances is recognized on accrual basis. (c) Income on Nonperforming Assets (NPAs) is recognized on realization, in terms of the RBI guidelines. (d) Interest on fixed income securities is recognized on accrual basis. (e) Commission income on the bank guarantees is recognized as income on realization basis. (f) Locker Rent, Building Rent is generally recognized on realization basis. (g) Other items of income are recognized on realization basis. (h) Cost towards Staff incentives is recognized on cash basis. (I) Loan subsidy is recognized on realization basis. 3. ADVANCES : (a) 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. (b) Povision 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' (AFS) 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 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' (AFS) 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 book value of security. 5. FIXED ASSETS & 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. 19

20 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 (Rs. In Lakh) Consideration Lease amount debited to P & L A/c up to 31/3/13 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 thebeginning 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) (I) Scrutiny assessment for A.Y to A. Y were completed by Income Tax Department making huge additions. (ii) Bank has filed appeals with CIT(A) Pune against all these assessments. (iii) CIT(A) has passed order for A. Y to A.Y Appeals before CIT (A) are pending for A. Y and A. Y Bank has also filed appeals against appellate orders passed by CIT (A) for A. Y to A. Y before ITAT Pune Bench. (iv) All these appeals cases are decided by ITAT Pune bench in February 2014 and bank has got major relief in Appellate orders. Some points arepending for which Bank has filed Misc. Petition with ITAT Pune Bench. (v) On the basis of relief got by the Bank from ITAT Pune Bench, bank is not required to make any provision for demands raised by Assessing Officer, Satara. (vi) Income tax Department has demanded Rs lacs for A.Y to A. Y Bank has paid lacs against scrutiny assessment order. (vii) Bank has filed application to get refund of amount paid for A. Y to A.Y on the basis of appellate orders. 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 31/03/2014 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. 20

21 12. The Segment Reporting Statement on the basis of Product & Services AS ON Treasury Operations (Dealing in Govt. Securities) Other Banking Operations (Loans & Advances and Other Services) Revenue Expenses Provisions Profit Before Tax Taxation Profit After Tax Segment Assets Segment Liabilities Restructured Accounts : of Account Restructured (Rs. In Lakh) Housing Loan SME Debt Restructuring Others Number of Borrowers Standard Advances Restructured Amount Outstanding Sacrifice (Diminution in the fair value) Number of Borrowers Sub Standard Advances Restructured Amount Outstanding Sacrifice (Diminution in the fair value) Number of Borrowers 1 Doubtful Advances Restructured Amount Outstanding Sacrifice (Diminution in the fair value) Provision Number of Borrowers 1 Amount Outstanding Sacrifice (Diminution in the fair value) Provision

22 (B) Cash Flow Statement For Year Ended Sr. No. (Rs. in Lacs) As on A 1 Cash Flow Generated From Operating Activities Net Profit as per profit and Loss A/c Ajustments for Depr./ Amortisation of Fixed Assets Provision Made Provision for taxation Dead Stock wriiten Off Entrance Fees & other Recovery in writte off account Loss on Sale of Assets B C D LESS : Profit on sale of Assets 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 (Increase) / Decrease in Advance Income Tax Increase / (Decrease) in Other Liabilities Increase / (Decrease) in I.Tax liability Net Working Captial Changes Net Cash generated from Operating Activities Cash Flow From Investing Activities Fixed Assets Acquisition (Net) Cash Flow From Financing Activities Increase in Share Capital Payment of Dividend 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 2. Balance with Reserve Bank Of India 3. Balances with other Banks ( ) ( ) (50) (413.24) (326.81) (738.00) ( ) (609.39) (434.27) Place : Karad Date : V. K. Joshi Dy. Chief Executive Officer (Accounts Dept.) Subject to our Audit Report For U V K & Associates Chartered Accountants CA. Uday V. Kulkarni (Partner) Internal Auditors M. No CA. Dilip M. Gurav Chief Executive Officer As per our Report of even date For M/s. Limaye & Company Chartered Accountants CA. Vijay Thakkar (Partner) Statutory Auditors M. No