st ANNUAL 2017-18 21 REPORT Toll Free Services

ATM, POS & e-COM Business Mobile Banking App 140.35 TAB Banking Crores 31/08/2018 Up Coming

Delighting Customer POCHAMPALLY BANK Pochampally Co-op. Urban Bank Ltd., ‡éKÇO„¬eÁ¬eÁ HËÐP„¬ö~\÷"£¬ö~\÷"£ J~¡Ä<£Ä<£ ƒ ì¼O䛽 eq°>ÿ_£

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<Ë=ò ~¡„ ¦¬ò ~Œ‡ 遰 "Í}° JO^³ |‹ ¬Þ† Ç°¼ ‹ Ô`Ç Nx"Œ‹ ¹ _³áï~H›“~Ÿ _³áï~H›“~Ÿ _³áï~H›“~Ÿ p„ ¹ Zyû䛀 ¼\÷"£ P„ ¦Ô‹ ¬~Ÿ áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 POCHAMPALLY CO-OPERATIVE URBAN BANK LIMITED KNOW YOUR BANK ESTABLISHED ON : 22-10-1997 R.C.S. Regd. No. : 1227 / TH AREA OF OPERATION : Entire , Ranga Reddy, Mahabubnagar, Medak, and Dist. RBI LICENCE No. : UBD HYD. AP. 1424 P. dt. 21-06-1997 RBI / OSS Code No. : 08770201 IFC Code No. (RTGS / NEFT & MICR) Pochampally (Br.) : YESB0PCUB01, 500 883 002 (Br.) : YESB0PCUB02, 500 883 003 (Br.) : YESB0PCUB03, 500 883 004 Nalgonda(Br.) : YESB0PCUB04, 500 883 005 Haliya (Br.) : YESB0PCUB05, 500 883 006 Chandur (Br.) : YESB0PCUB06, 500 883 007 (Br.) : YESB0PCUB07, 500 883 008 DICGC Code / Registration : 87702 & AP112 BANK PAN No. : AAAAT7910R TAN No. : HYDT02189F GST No. : 36AAAAT7910R1ZW PRESENT CHAIRMAN : Mr. CHITTIPOLU SRINIVAS Elected on : 18-02-2014 NAME OF GM & CEO : Mr. SEETHA SRINIVAS APPONTMENT DATE : 01-09-1997 NUMBER OF SHARE HOLDERS : 6403

ADDRESS FOR COMMUNICATION: BRANCHES Pochampally : H.No. 3-188, Main Road, -508 284, Yadadri (Dist.), T.S Ph No.08685-222093, Fax: 08685-222326, Mobile: 9848657787. Choutuppal : H.No. 5-474/1, 1st floor, Beside : APSRTC Bus Stand, Choutuppal – 508 252, Yadadri Bhongir (Dist.) Ph No. 08694-272700, Mobile : 9052272700. Devarakonda : H.No. 19-198, Shop No.136 to 140 & 141/1, 1st floor Vishnu Complex, Main Road, Devarakonda – 508 248, Nalgonda (Dist.) Mobile: 9848677787. Nalgonda : H.No.6-2-109, Shop No’s 128 to 131 &32, 1st floor Central Business Complex, Clock Tower, Nalgonda- 508 001.Mobile:7731994447. Haliya : H.No.4-224, Shop No.101, 1st Floor, Sree Tharakarama Complex, Haliya, Anumula (Mdl), Nalgonda-508377.Mobile : 9948787733. Chandur : H.No. 11-135 & 136, Shop No.103,104,136 & 122 to 124, 1st Floor, Main Road, Sai Durga Commercial Complex, Chandur, Nalgonda (Dist)-508 255. Mobile: 9603993311. Suryapet : H.No. 1-2-270/46/5/2A, MG Road, Opp: Yes Bank Lance, Suryapet, Suryapet (Dist), -508 213. Mobile: 9912689966. Banks Growth Profile From Last 10 Years (Rs. in Lakhs)

Sl.NoParticulars 2008-09 2009-102010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18

1 Members 3177 3611 3928 4230 4445 4731 5386 5876 6171 6403 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£J~°ƒ<£ÉϺOH±eq∞>ˇ_£

2 Share Capital 38.17 51.39 80.25 96.48 138.55 173.42 239.02 283.91 357.92 372.40

3 Reserves 73.32 86.52 103.14 119.62 137.25 157.97 176.3 196.72 219.70 307.14

4 Deposits 516.64 629.36 1151.58 1723.57 2403.74 3550.50 4781.86 5839.29 7383.85 7930.46

5 Loans and Advances330.95 435.86 863.25 1139.02 1444.19 1864.87 2779.91 3624.36 4328.60 5075.35

6 Investments 216.64 242.8 366.38 606.67 915.01 1659.86 1882.73 1997.73 2914.27 1982.43

7 In Govt. Securities46.21 101.38 294.36 329.15 583.17 957.41 1056.85 1351.35 1544.84 1662.67

8 Working Capital 683.32 817.3 1297.9 1913.16 2605.71 3757.8 5078.51 6162.78 7781.44 8933.13

9 Gross Profit 43.44 47.61 63.69 95.52 143.32 188.99 228.66 293.82 406.85 504.25

10 Net Profit 12.16 15.38 15.35 27.50 38.16 41.13 43.44 56.23 83.86 94.68 14% 11 Dividend 15% 15% 15% 17% 18% 17% 16% 16% 14% Proposed

12 NPA Gross 0.67% 0.21% 0.09% 0.03% 0.01% 0.05% 0% 0% 0.01% 0.15%

13 Net NPA 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Annual Report2017-18

14 CD Ratio 64.06% 69.25% 74.97% 66.09% 60.07% 52.52% 58.13% 62.07% 58.62% 64.00%

15 CRAR 25.70% 25.77% 26.89% 25.07% 23.89%20.93% 17.80% 14.85% 14.50% 14.93% 16 Staff Cost 9.19 9.50 11.67 20 25.38 41.17 63.9 81.70 100.69 121.19

17 Staff Cost to W.Capital1.34 1.16% 0.90% 1.05% 0.97% 1.10% 1.26% 1.33% 1.29% 1.36%

18 Staff Cost to G.Profit21.16 19.95% 18.32% 20.94% 17.71% 21.78% 26.33% 27.81% 24.75% 24.03% áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 DISCLOSURE OF INFORMATION The following information as on 31.03.2018, which is supposed to be disclosed by banks in terms of RBI circular No. UBD.CO.BPD(PCB)Cir.No.52/12.05.001/2013-14, dated March 25, 2014, is being furnished voluntarily. (Rs.in lakhs) 31.03.2018 31.03.2017 i) Capital to Risk Weight Asset Ratio 14.93% 14.50% ii) Movement of CRAR 14.93% 14.50% iii) Investments Central Government Securities AFS HTM AFS HTM a) Face Value - 481.00 - 281.00 b) Book Value - 396.74 - 278.60 c) Market Value of Investment(FIMDA) - 388.24 - 291.63 State Government Securities a) Face Value 704.70 612.60 704.70 562.60 b) Book Value 706.25 559.68 706.25 559.99 c) Market Value of Investment(FIMDA) 737.57 571.95 766.03 590.72 Issuer composition of Non SLR Investments 1. PSUs - 2. FIs - 3. Public Sector Banks 70.43 283.58 4. Mutual Funds - 100.00 5. Others 249.28 268.29 6. Provision held towards Depreciation Non-Performing Non SLR Investments NIL NIL iv) Advances against real estate, construction business, housing 685.17 535.97 v) Advances against Shares & Debentures NIL NIL vi) Advances to directors, their relatives, companies/ firms in which they are interested a) Fund Based (against FD’s & LIC) 1.46 0.93 b) Non fund based (guarantees, LIC etc.) - - vii) Cost of Depostis: Average cost of deposits 6.51% 7.18% viii) NPAs a) Gross NPAs 7.42 0.24 b) Net NPAs 0.00 0.00 c) Percentage of Gross NPA 0.15 0.01 d) Percentage of Net NPA 0.00 0.00 ix) Movement in NPAs a) Gross NPAs 7.42 0.24 b) Net NPAs 0.00 0.00 x) Profitability a) Interest income as a percentage of working funds 9.02% 9.77% b) Non- Interest income as a percentage of working funds 1.84% 1.51% c) Operating profit as a percentage of working funds 1.87% 1.35% d) Return on Assets 1.37% 1.32% e) Business (Deposits+ Advances)per employee 265.43 278.87 f) Profit per employee 1.93 2.00 xi) Provisions made towards a) NPAs 33.13 47.69 b) Depreciation on Investments 12.00 0.65 c) Standard Assets 20.27 15.28 xii) Movement in provision a) NPAs 33.13 47.69 b) Depreciation on Investments 12.00 0.00 c) Standard Assets 20.27 15.28 xiii) Foreign currency assets & liabilities : (if applicable) NA NA xiv) Insurance premium paid on depostis to DICGC on 17.05.2017 & 15.11.2017 and 09.05.2016 & 26.11.2016 8,42,836.00 7,34,664.00 xv) Penalty imposed by RBI NIL NIL

Sd/- Sd/- Sd/- Sd/- S. Srinivas Surepally Ramesh Chittipolu Srinivas CA Bandaru Srinath, FCA C.E.O. Vice Chairman Chairman Chartered Accountant áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± e. =∞Ǩ ã¨Éèí ã¨=∂"Õâ◊ <À\©ãπ i.<≥O. 1227/TH áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± e., áÈK«OѨe¡ 2018–19 Pi÷Hõ ã¨OIIÖ’ (38= ã¨~°fi ã¨Éèíº ã¨=∂"Õâ◊O) `Õk: 30–09–2018 Pk"å~°O ~ÀA# L^ŒÜ«∞O QÆOII 10–30 xIIʼnõΩ J.V.S. ^èŒ~°}˜ QÍÔ~¤<£û, Éèí∂^•<£ áÈK«OѨe¡Ö’ N z\˜ìáÈÅ∞ Nx"åãπ K≥·~°‡<£ QÍi J^茺HõΔ`«# D „H˜Ok q+¨Ü«∂Å∞ K«iÛOK«∞@‰õΩ QÍ#∞ [~°∞QÆ∞#∞. HÍ=Ù# ã¨Éèí∞ºÅ∞ =∞Ǩã¨Éèí‰õΩ Ç¨[~°∞ HÍ=Åã≤#kQÍ HÀ~°∞K«∞<åfl=Ú. K«~°Û hÜ«∂Oâ◊=ÚÅ∞ ó– 1. 2017–2018 ã¨O=`«û~°=Ú#‰õΩ "åi¬Hõ x"ÕkHõ =∞iÜ«Ú P_ç\ò ã¨iìѶ≤ˆH\ò, P_ç\ò J~Ú# [=∂ Y~°∞ÛÅ∞, Pã≤÷ JѨÙÊŠѨ\˜ìHõ, ÖÏÉèí #ëêìÅ∞ P"≥∂kOK«∞@ QÆ∂iÛ. (ѨÙ@ <≥O. 1 #∞O_ç 20 =~°‰õΩ) 2. 2017–2018 ã¨O=`«û~°=Ú#‰õΩ =∞OEÔ~·# |_≥˚\ò Ѩxf~°∞#∞ ã¨g∞H˜ΔOK«∞@ QÆ∂iÛ. (ѨÙ@ <≥O. 21) 3. áêÅHõ=~°æ ã¨Éèí∞ºÅ áêÅHõ=~°æ ã¨=∂"Õâ◊ Ǩ[~°∞ ã¨g∞H˜ΔOK«∞@ QÆ∂iÛ. (ѨÙ@ <≥O. 22) 4. ÉϺO‰õΩ áêÅHõ=~°æO ÉϺO‰õΩÖ’ ã¨Éèí∞ºÅ∞QÍ KÕ~°∞ÛH˘#fl "åi =∞iÜ«Ú ã¨Éèíº`«fiO ~°^Œ∞Ì Ñ¨~°∞ÛH˘#fl "åi *Ïa`å#∞ P"≥∂kOK«∞@ QÆ∂iÛ. (ѨÙ@ <≥O. 22) 5. W`«~° ÉϺO‰õΩÅÖ’ KÕã≤# ÉϺO‰õΩ _çáêl@∞¡ ã¨g∞H˜ΔOK«∞@ QÆ∂iÛ. (ѨÙ@ <≥O. 22 #∞O_ç 23 =~°‰õΩ) 6. 2017–2018 ã¨O=`«û~°Ñ¨Ù xHõ~° ÖÏÉèí ѨOÑ≤}© KÕÜ«Ú@ QÆ∂iÛ. (ѨÙ@ <≥O. 23) 7. ÉϺO‰õΩ ™êìѶ≤OQ∑ áêº@~üflÖ’ J^Œ#Ѩ٠áÈã¨∞ìÅ∞ =∞iÜ«Ú ã≤|ƒOk =∞OEi xq∞`«Î=Ú il„ëêì~ü QÍix HÀ~°∞@ QÆ∂iÛ. (ѨÙ@ <≥O. 24) 8. ÉϺO‰õΩ ã≤|ƒOk "Õ`«# ¿ã¯ÖòÅ∞ ã¨=iOK«∞@ QÆ∂iÛ. (ѨÙ@ <≥O. 24) 9. "å~Ú^• g∞i# ÉÏH©Å∞ ã¨g∞H˜ΔOK«∞@ QÆ∂iÛ. (ѨÙ@ <≥O. 24) 10. 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"å\Ï^èŒ#=Ú : QÆ`« ã¨O=`«û~°O 6171 =∞Ok "å\Ï^•~°∞Å∞ LO_ç ~°∂. 357.92 ÅHõΔÅ "å\Ï^èŒ#O LO_»QÍ, D Pi÷Hõ ã¨O`«=û~° =ÚyOѨ٠<å\˜H˜ 6403 =∞Ok "å\Ï^•~°∞Å∞ LO_ç ~°∂. 372.40 ÅHõΔÅ "å\Ï^èŒ#O Hõey L#flk. _çáêl@∞¡ : QÆ_çz# ã¨O=`«û~°=Ú ÉϺO‰õΩ _çáêl@∞¡ ~°∂II 7383.85 ÅHõΔÅ∞ LO_»QÍ, D Pi÷Hõ ã¨O=`«û~° =ÚyOѨ٠<å\˜H˜ ~°∂II 7930.46 ÅHõΔÅ∞ HõÅ=Ù. MÏ`å^•~°∞Å∞ ÉϺO‰õΩÃÑ· Hõ#|~°∞ã¨∞Î#fl JK«OK«Å"≥∞ÿ# qâßfiã¨=Ú`À ÉϺO‰õΩ _çáêl@∞¡ ~°∂. 79.30 HÀ@∞¡ KÕi#q. =∂iÛ–18 <å\˜H˜ ¿ãqOQ∑û =∞iÜ«Ú HõÔ~O\ò MÏ`å _çáêl@∞¡ "≥Ú`«Î=Ú ~°∂II 3302.92 ÅHõΔÅ∞ HõÅ=Ù. D âß`«=Ú "≥Ú`«Î=Ú _çáêl@¡Ö’ 41.65% HõÅ^Œ∞. ¿ãqOQ∑û MÏ`å^•~°∞ÅO^ŒiH˜ ~°∂II 1,00,000–00Å „Ѩ=∂^Œ cè=∂ ™œHõ~°º=Ú HõeÊOK«∞K«∞<åfl=Ú. „Ѩ^è•# =∞O„u QÍ~°∞ „Ѩ"Õâ◊ÃÑ\˜ì# „Ѩ^è•# =∞O„u r=#*’ºu cè=∂ Ü≥∂[# ( ) „H˜O^Œ ~°∂II 330/–Å "åi¬Hõ „Ñ‘q∞Ü«∞OÃÑ· ~°∂II 2.00 ÅHõΔÅ rq`« cè=∂ =∞iÜ«Ú „Ѩ^è•# =∞O„u ã¨∞~°HõΔPMJJY cè=∂ Ü≥∂[# ( ) „H˜O^Œ ~°∂II 12.00 Å "åi¬Hõ „Ñ‘q∞Ü«∞O ÃÑ· ~°∂II 2.00 ÅHõΔÅ „Ѩ=∂^Œ cè=∂ ™œY~°º=Ú HõeÊOK«<≥·#k.PMSBY ÉϺO‰õΩÃÑ· MÏ`å^•~°∞Å∞ qâßfiã¨=Ú Hõ#|~°∞K«∞K«∂ ÉϺO‰õΩ Jaè=$kúH˜ „áÈ`«ûÇ≤Ïã¨∞Î#flO^Œ∞ʼnõΩ MÏ`å^•~°∞ʼnõΩ Hõ$`«[˝`«Å∞ `≥eÜ«∞*Ëã¨∞Î<åfl#∞. ÉϺO‰õΩ K≥e¡ã¨∞Î#fl „Ѩã¨∞Î`« =_ô¤ˆ~@∞ 9% =∞iÜ«Ú ã‘xÜ«∞~ü ã≤\˜[#¡‰õΩ 9.5% q∞QÆ`å Jxfl ~°HÍÅ ÉϺO‰õΩÅ∞ K≥e¡ã¨∞Î#fl =_ô¤ˆ~@∞ HõO>Ë JkèHõ=Ú. ÉϺO‰õΩÖ’ KÕÜ«Ú Jxfl ~°HÍÅ _çáêl@∞¡ ~°∂II 1.00 ÅHõΔ =~°‰õΩ i[~°∞fi ÉϺO‰õΩ "åi ^•fi~å Qͺ~°O\© HõÅ^Œ∞. HÍ=Ù# ÉϺO‰õΩÃÑ· qâßfiã¨=Ú Hõ#|~°z g∞ Ü≥ÚHõ¯ q∞QÆ∞Å∞ _»|∞ƒÅ∞ ÉϺO‰õΩÖ’ DICGCá⁄^Œ∞Ѩ٠KÕã≤ Z‰õΩ¯= =_ô¤ á⁄Ok, _çáêl@¡ ÃÑ~°∞QÆ∞^ŒÅ‰õΩ ã¨Ç¨ÏHõiOK«QÆÅ~°x =∞#q. `Õk 31–08–2018 <å\˜H˜ ÉϺO‰õΩ âßYÅ _çáêl@¡, JѨÙÊÅ q=~°=ÚÅ∞ „Hõ.ã¨O. q=~°=ÚÅ∞ áÈK«OѨe¡ KÒ@∞ѨÊÖò ^Õ=~°H˘O_» #Å¡Q˘O_» ǨeÜ«∂ K«O_»∂~ü ã¨∂~庿Ñ@ 1. _çáêl\ò ^•~°∞Å∞ 15812 13022 10111 8707 2877 2505 2038 2. _çáêl@∞¡ 3623.58 1202.37 1124.78 1565.34 374.77 248.45 431.63 3. |∞∞} „QÆã¨∞ÎÅ∞ 1624 856 1010 435 432 390 32 4. |∞∞} "≥Ú`«ÎO 2059.21 823.56 929.09 636.95 498.56 405.49 55.47 JѨÙÊÅ∞ =∞OE~°∞ : QÆ`« ã¨O=`«û~°=Ú ÉϺO‰õΩ =∞OEi KÕã≤# |∞∞}ÏÅ∞ ~°∂II 4328.60 ÅHõΔÅ∞ LO_»QÍ, D Pi÷Hõ ã¨O=`«û~°=Ú =ÚyOѨ٠<å\˜H˜ ~°∂II 5075.35 ÅHõΔÅ∞ LO_≥#∞. D ÃÑ~°∞QÆ^ŒÅ 16.05% HõÅ^Œ∞. Q“~°=hÜ«ÚÖˇ·# ã¨Éèí∞ºÖÏ~å ! ÉϺO‰õΩ =∞#∞QÆ_» =∞OEi KÕã≤# |∞∞}=ã¨∂à◊§ÃÑ· P^è•~°Ñ¨_ç LO_»∞#∞. JѨÙÊÅ =ã¨∂à◊§ÃÑ· áêÅHõ=~°æ=Ú =∞iÜ«Ú ã≤|ƒOk „Ѩ`ÕºHõ „â◊^Œú =Ç≤ÏOz "å~Ú^• g∞i# ÉÏH©Å∞ `«yæOK«∞@‰õΩ Hõ$+≤KÕÜ«ÚK«∞<åfl=Ú. "å~Ú^• g∞i# ÉÏH©Å∞ `«yæOK«∞@‰õΩ Q“~°=hÜ«ÚÖˇ·# ÉϺO‰õΩ "å\Ï^•~°∞Å∞ `«=∞ =O`«∞ Hõ~°Î=º=ÚQÍ =∞# ÉϺO‰õΩ #∞O_ç |∞∞} ™œHõ~°º=Ú á⁄Ok# "åix <≥Å "åi JѨÙÊ H˜ã¨∞ÎÅ∞ 㨄Hõ=∞OQÍ K≥e¡OKÕ q^èŒ=ÚQÍ `≥eÜ«∞*Ëã≤ =∞# ÉϺO‰õΩ Jaè=$kúH˜ ã¨Ç¨ÏHõiOK«QÆÅ~°∞. x~°~°÷Hõ Pã¨∞ÎÅ∞ i[~°∞fi ÉϺO‰õΩ x|O^èŒ#Å "Õ∞~°‰õΩ xHõ~° âß`«=Ú 3% q∞OK«~å^Œ∞. 2017–18 Pi÷Hõ ã¨O=`«û~°=ÚÖ’NPA : ÉϺO‰õΩ ã¨∂÷Å 0.15% HõÅ^Œ∞. WO^Œ∞‰õΩNPA ã¨Ç¨ÏHõiOK«∞K«∞#fl ÉϺO‰õΩ ã≤|ƒOkx „Ѩ`ÕºHõOQÍ Jaè#OkOK«∞K«∞<åfl#∞. NPA ÖÏÉèí=ÚÅ∞ : QÆ`« Pi÷Hõ ã¨O=`«û~°=Ú ÉϺO‰õΩ ~°∂. 83.86 ÅHõΔÅ xHõ~° ÖÏÉèí=Ú Pi˚OK«QÍ, D ã¨O=`«û~°=Ú P^•Ü«∞Ѩ٠Ѩ#∞fl K≥e¡OK«Hõ =Ú#∞Ѩ٠~°∂II 160.06 ÅHõΔÅ∞ xHõ~° ÖÏÉèí=Ú Pi˚Oz#k. ˆHO„^Œ „ѨÉèí∞`«fiO HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺO‰õΩÅ#∞ P^•Ü«∞Ѩ٠Ѩ#∞fl K≥e¡OѨ٠ѨikèÖ’xH˜ `≥zÛ#O^Œ∞#, ÉϺO‰õΩ Pi˚Oz# xHõ~°ÖÏÉèí=ÚÃÑ· 35.00% P^•Ü«∞Ѩ٠Ѩ#∞fl K≥e¡OK«=ÅÜ«Ú#∞. „Ѩ™êÎ=# Pi÷Hõ ã¨O.#‰õΩ ÉϺO‰õΩ P^•Ü«∞Ѩ٠Ѩ#∞fl ~°∂II 65.37 ÅHõΔÅ∞ K≥e¡Oz, ~°∂II 94.68 ÅHõΔÅ xHõ~° ÖÏÉèí=Ú Pi˚Oz#k. _çq_≥O_£ : ÉϺO‰õΩ ã¨Éèí∞ºÅ‰õΩ QÆ_çz# 18 ã¨O=`«û~åÅ #∞O_ç _çq_≥O_£ K≥e¡ã¨∞Î#flk. 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HÍ=Ù# W\˜ì HÍÅ =º=kèÖ’ áêÅHõ=~°æ=Ú `«~°Ñ¨Ù# ÉϺO‰õΩ ™êkèOz# Jaè=$kú g∞ =ÚO^Œ∞OK«∞K«∞<åfl#∞. `Õk: 18–04–2014 <å\˜H˜ ÉϺO‰õΩ 4670 =∞Ok ã¨Éèí∞ºÅ`À ~°∂. 172.11 ÅHõΔÅ "å\Ï^èŒ#=Ú, <åÅ∞QÆ∞ „ÉÏOpÅ`À (áÈK«OѨe¡, KÒ@∞ѨÊÖò, ^Õ=~°H˘O_» =∞iÜ«Ú #Å¡Q˘O_») _çáêl@∞¡ ~°∂. 1117.67 ÅHõΔÅ∞, |∞∞}ÏÅ ~°∂. 620.04 ÅHõΔÅ∞ LO_≥#∞. `Õk : 31–08–2018 <å\˜H˜ 6507 =∞Ok ã¨Éèí∞ºÅ`À ~°∂. 361.65 ÅHõΔÅ "å\Ï^èŒ#=Ú`À 7 „ÉÏOpÅÖ’ "≥Ú`«ÎO 8570.44 ÅHõΔÅ _çáê[@∞¡ =∞iÜ«Ú ~°∂. 5398.73 ÅHõΔÅ |∞∞}ÏÅ∞ Hõey, "≥Ú`«ÎO "åºáê~°=Ú ~°∂. 139.68 HÀ@¡‰õΩ KÕ~°Û<≥·#k. D HÍÅ =º=kèÖ’ 3 #∂`«# „ÉÏOpÅ∞, 6 H˘`«Î Z.\˜.ZO.Å∞ <≥ÅH˘Å∞Ê@ [iy#k. ÉϺO‰õΩ #O^Œ∞ 1,000/–Å ÃÑ·# "å\Ï^èŒ#=Ú Hõey# ã¨Éèí∞ºÅ‰õΩ Lz`« „Ѩ=∂^Œ c=∂ ™œHõº~°=Ú =∞iÜ«Ú ¿ãqOQ∑û MÏ`å^•~°∞ʼnõΩ ~°∂. 40.00 Å`À „Ѩ=∂^Œ c=∂ ™œHõ~°º=Ú HõeÊOK«<≥·#k. ÉϺO‰õΩ #O^Œ∞ `Õk 18–02–2014 =~°‰õΩ QÆÅ MÏ`å^•~°∞Å ã¨OYº 10,925 #∞O_ç `Õk : 31–08–2018 <å\˜H˜ 55,072 Hõey 44,147 =∞Ok MÏ`å^•~°∞Å ÃÑ~°∞QÆ∞^ŒÅ #"≥∂^Œ∞ HÍ|_ç#k. 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"å\Ï^èŒ#=Ú Sharecapital : ÉϺO‰õΩ `Õk 22–10–1997 ~ÀA# 1026 =∞Ok ã¨Éèí∞ºÅ`À ~°∂. 6.25 ÅHõΔÅ "å\Ï^èŒ#=Ú`À „áê~°OaèOK«|_ç#k. `Õk : 31–03–2018 <å\˜H˜ 6403 =∞Ok ã¨Éèí∞ºÅ`À ~°∂. 372.40 ÅHõΔÅ "å\Ï^èŒ#=Ú ã¨Éèí∞ºÅ #∞O_ç ã¨g∞HõiOK«<≥·#k. QÆ_çz# 7 ã¨OIIÅÖ’ ÉϺO‰õΩ "å\Ï^èŒ# ã¨g∞Hõ~°} D„H˜Ok q^èŒ=ÚQÍ HõÅ^Œ∞. ~°∂II ÅHõΔÅÖ’ q=~°=ÚÅ∞ 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 ã¨Éèí∞ºÅ∞ 4230 4445 4731 5386 5876 6171 6403 "å\Ï^èŒ#=Ú 96.48 138.55 173.42 239.02 283.91 357.92 372.40 =$kú 20.22% 43.61% 25.17% 37.83% 18.78% 26.07% 4.05% 2. i[~°∞fiÅ∞ Reserves : ÉϺO‰õΩ Éèˇ·ÖÏ, ã¨Ç¨ÏHÍ~° ã¨OѶ¨∞=ÚÅ K«@ì=Ú „ѨHÍ~°=Ú =∞iÜ«Ú P~ü.a.S. "åi x|O^èŒ#Å "Õ∞~°‰õΩ ZѨÊ\˜HõѨÙÊ_»∞ qq^èŒ Ñ¨^Œ∞ÌÅ „H˜O^Œ ÉϺO‰õΩ ÖÏÉèí #ëêìÅ MÏ`å =∞iÜ«Ú Pi˚Oz# xHõ~° ÖÏÉèí=Ú #∞O_ç qq^èŒ i[~°∞fiÅ∞ U~åÊ@∞ KÕÜ«∞=Åã≤ Ü«ÚO_»∞#∞. 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4. _çáêl@∞¡ Deposits : MÏ`å^•~°∞Å∞ ÉϺO‰õΩ ÃÑ· Hõ#|~°∞ã¨∞Î#fl qâßfi™êxH˜ ™êH˜ΔQÍ =∞# ÉϺO‰õΩ _çáêl@∞¡ ÃÑ~°∞QÆ∞K«∞#flq. `Õk : 31–03–2017 <å\˜H˜ ÉϺO‰õΩ _çáêl@∞¡ ~°∂. 73.84 ‰À@∞¡ LO_»QÍ, `Õk : 31–03–2018 <å\˜H˜ Wq ~°∂. 79.30 HÀ@¡‰õΩ KÕi 7.40% =∂„`«"Õ∞ =$kú #"≥∂^Œ∞ KÕÜ«∞<≥·#k. „Ѩ™êÎ=# ã¨O=`«û~°O ÉϺO‰õΩ _çáêl@∞¡ PtOz# "Õ∞~°‰õΩ ÃÑ~°QÆÖË^Œ∞. WO^Œ∞‰õΩ =ÚYºOQÍ ÉèÏ~°`« ÉϺOH˜OQ∑ =º=ã¨÷Ö’ H˘xfl K«~°ºÅ =Å# JxtÛu U~°Ê_ç, _çáêl@¡ ÃÑ~°∞QÆ∞^ŒÅ =∞O^ŒyOz#k. ÃÑ^ŒÌ <À@¡ ~°^Œ∞Ì `«^Œ∞Ѩi „Ѩ[Å∞ ÉϺO‰õΩÖ’ _çáêl@∞¡ KÕÜ«Ú@‰õΩ =ÚO^Œ∞‰õΩ ~å=@O ÖË^Œ∞. D „ѨÉèÏ=O E<£–2018 =∂ã¨=Ú =∞^茺 =~°‰õΩ H˘#™êy#k.

1 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 ~å„+¨ìOÖ’ ѨxKÕã¨∞Î#fl H˘xfl J~°ƒ<£ ÉϺO‰õΩÅ∞ "≥∞~°∞ÔQ·# Ѩxf~°∞#∞ „Ѩ^Œi≈ã¨∞Î#fl <ÕѨ^茺OÖ’ =∞# Ѩxf~°∞ QÆ∂iÛ x~°O`«~°O ã¨g∞H˜Δã¨∂Î, MÏ`å^•~°∞ʼnõΩ ÉϺOH˜OQ∑ =º=ã¨÷ÃÑ· qâßfiã¨=Ú HõeÊOK«∞@‰õΩ Hõ$+≤ KÕã¨∂Î `«^•fi~å ÉϺO‰õΩ _çáêl@¡ ÃÑ~°∞QÆ∞^ŒÅ‰õΩ Hõ$+≤ KÕÜ«ÚK«∞<åfl=∞x `≥eÜ«∞*Ëã¨∞Î<åfl=Ú. ÉϺO‰õΩÖ’ HõÔ~O\ò =∞iÜ«Ú ¿ãqOQ∑û _çáêl@¡ÃÑ· „Ѩ`ÕºHõ „â◊^Œú fã¨∞H˘x giH˜ J=ã¨~°"≥∞ÿ# Jxfl ~°HÍÅ ã¨^Œ∞áêÜ«∂Å∞ JO^Œ*ËÜ«ÚK«∂ CASA _çáêl@¡ ÃÑ~°∞QÆ∞^ŒÅ‰õΩ Hõ$+≤ KÕÜ«ÚK«∞<åfl=Ú. `Õk : 31–03–2018 <å\˜ "≥Ú`«ÎO _çáêl@¡Ö’ CASA "≥Ú`«ÎO ~°∂. 33.02 HÀ@∞¡ Hõey LO_ç 41.65% "Õ∞~°‰õΩ CASA _çáêl@∞¡ Hõey L#flq. QÆ_çz# 7 ã¨O=`«û~°=ÚÅ #∞O_ç ÉϺO‰õΩ _çáêl@¡ q=~°=ÚÅ∞ D „H˜Ok q^èŒ=ÚQÍ HõÅ=Ù. ~°∂II ÅHõΔÅÖ’ q=~°=ÚÅ∞ 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 CASA _çáêl@∞¡ 708.74 1062.48 1289.46 1591.28 2288.79 3412.57 3302.91 >ˇ~ü‡ _çáêl@∞¡ 1014.83 1341.26 2261.04 3190.58 3550.50 3971.28 4627.55 "≥Ú`«ÎO _çáêl@∞¡ 1723.57 2403.74 3550.50 4781.86 5839.29 7383.85 7930.46 =$kú 49.66% 39.46% 47.71% 34.68% 22.11% 26.45% 7.40% CASA Portion 41.12% 44.20% 36.32% 33.28% 39.20% 46.22% 41.65%

5. JѨÙÊÅ =∞OE~°∞ Loans & Advances : QÆ`« ã¨O=`«û~°O ÉϺO‰õΩ =∞OEi KÕã≤# |∞∞}ÏÅ "≥Ú`«ÎO 4328.60 ÅHõΔÅ∞ LO_»QÍ, D Pi÷Hõ ã¨O=`«û~°O =ÚyOѨ٠<å\˜H˜ ~°∂. 5075.35 ÅHõΔÅ∞ LO_≥#∞. D ÃÑ~°∞QÆ∞^ŒÅ 17.25% =∂„`«"Õ∞ HõÅ^Œ∞. „Ѩ™êÎ=# ã¨O=`«û~°OÖ’ PtOz# "Õ∞~° |∞∞}ÏÅ ÃÑ~°∞QÆ∞^ŒÅ #"≥∂^Œ∞ HÍÖË^Œ∞. WO^Œ∞‰õΩ =ÚYº HÍ~°}=Ú, HÍ=Åã≤# =#~°∞Å∞ _çáêl@¡ ~°∂Ѩ=ÚÖ’ ÃÑ~°QÆHõáÈ=@O =∞iÜ«Ú JO`Õ H͉õΩO_® W`«~° ÉϺO‰õΩÅ "åi `«‰õΩ¯= =_ô¤ ˆ~@∞ PHõ~°¬} HÍ~°}=ÚKÕ <å}º`« Hõey# |∞∞}„QÆã¨∞Î_»∞ ÅaèOK«Hõ áÈ=_»O. D ã¨O=`«û~°=Ú "≥Ú`«ÎO JѨÙÊÅÖ’ „áê^è•#º`å ~°OQÍxH˜ =∞OEs KÕã≤# JѨÙÊÅ∞ 86.52% LO_»QÍ, |ÅÇ‘Ï# =~åæÅ "åiH˜ =∞OEs KÕã≤#q 42.60% HõÅ=Ù. QÆ`« 7 ã¨O=`«û~°=ÚÅÖ’ÉϺO‰õΩ |∞∞}ÏÅ ÃÑ~°∞QÆ∞^ŒÅ D „H˜Ok q^èŒ=ÚQÍ HõÅ=Ù. ~°∂II ÅHõΔÅÖ’ q=~°=ÚÅ∞ 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 |OQÍ~°∞ #QÆÅÃÑ· 789.98 1070.58 1289.13 1603.80 1427.12 1422.70 1663.68 Ter m Ö’<£û 118.72 139.15 287.40 617.74 1287.44 1740.45 1965.31 _çáêl@∞¡, W`«~° Ãã‰õĺi\©ÅÃÑ· 68.93 91.93 105.15 158.71 183.66 122.32 201.36 OD / CC 161.39 142.53 183.19 399.66 726.14 1043.13 1245.00 "≥Ú`«ÎO 1139.02 1444.19 1864.87 2779.91 3624.36 4328.60 5075.35 =$kú 31.95% 26.79% 29.13% 49.06% 30.39% 19.42% 17.25% CD x+¨ÊuÎ 66.09% 60.07% 51.51% 58.13% 62.07% 58.62% 64.00% |∞∞}ÏÅ∞ Loans & Advances Sanctioned during 2017-18 D x"ÕkHõ HÍÅOÖ’ D „H˜O^Œ L^ŒÇ¨ÏiOz# q^èŒ=ÚQÍ ã¨Éèí∞ºÅ‰õΩ H˘`«ÎQÍ |∞∞}ÏÅ∞ =∞OE~°∞ KÕÜ«∞|_ç#q. „Hõ.ã¨O. |∞∞}ÏÅ q=~°=ÚÅ∞ ã¨Éèí∞ºÅ ã¨OYº ~°∂. ÅHõΔÅÖ’ 1. |OQÍ~°∞ #QÆÅÃÑ· 4885 2304.97 2. _çáêl@¡ÃÑ· 226 272.34 2 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 3. áÈã¨ìÖò ÉÏO_»¡ÃÑ· 3 1.83 4. "åǨÏ<åÅ Ys^Œ∞ H˘~°‰õΩ 24 24.69 5. =ºH˜ÎQÆ`« |∞∞}ÏÅ∞ 59 90.25 6. ѨO@ |∞∞}ÏÅ∞ 86 48.17 7. F=~ü „_®Ñ¶πì 40 312.97 8. _çáêl@¡ÃÑ· F=~ü „_®Ñ¶πì 4 5.45 9. z~°∞"åºáê~° |∞∞}ÏÅ∞ 30 32.70 10. qx=∞Ü«∞ =ã¨∞Î=ÙÅ∞ 3 0.51 11. =∞^茺HÍeHõ =º=™êÜ«∞ |∞∞}ÏÅ∞ 1 2.77 12. QÆ$Ç¨Ï x~å‡}=Ú 23 212.40 13. rq`« c=∂ Ѩ\ÏìŠǨg∞ÃÑ· 18 11.70 14. =∂iìˆQ*ò |∞∞}ÏÅ∞ 47 209.60 15. q^•º |∞∞}ÏÅ∞ 3 41.00 16. "å}˜[º "åǨÏ# Ys^Œ∞ 5 21.08 17. "åºáê~° ™ê÷Ѩ# H˘~°‰õΩ 15 129.00 "≥Ú`«ÎO 5472 3721.43 2016–17 ã¨O=`«û~åO`«=Ú# ã¨Éèí∞ºÅÃÑ· xÅ∞= L#fl Jxfl ~°Hõ=ÚÅ |∞∞}ÏÅ∞ HõeÑ≤ ~°∂. 4328.60 ÅHõΔÅ∞ HÍQÍ 2017–18 ã¨O=`«û~°OÖ’ ~°∂. 3721.43 ÅHõΔÅ∞ ã¨Éèí∞ºÅ‰õΩ =∞OEi KÕÜ«∞|_ç ~°∂. 2974.68 ÅHõΔÅ∞ "åi #∞O_ç =ã¨∂Å∞ KÕÜ«∞|_ç#q. `Õk : 31–03–2018 =~°‰õΩ ~°∂. 5075.35 ÅHõΔÅ∞ ã¨Éèí∞ºÅÃÑ· xÅfiÜ«Ú#flq. JѨÙÊ fã¨∞‰õΩ#fl „Ѩu ã¨Éèí∞º_»∞ `«# ÉÏ^茺`« QÆ∞iÎOz ã¨HÍÅ=Ú#‰õΩ H˜ã¨∞ÎÅ∞ K≥e¡OK«∞@ÜÕ∞ QÍHõ U HÍ~°º„Hõ=∞=Ú#ÔH· JѨÙÊ HÀiÜ«Ú<åfl~À P HÍ~°º„Hõ=∞=ÚʼnõΩ =∂„`«"Õ∞ JѨÙÊ "≥Ú`«Î=Ú#∞ LѨÜ≥∂yOK«∞H˘x `å=Ú ÖÏÉèíѨ_ç ÉϺO‰õΩ Jaè=$kúH˜ áê@∞Ѩ_»=Åã≤#kQÍ =∞#q KÕÜ«∞<≥·#k. 6. ÃÑ@∞ì|_»∞Å∞ Investments : i[~üfi ÉϺO‰õΩ x|O^èŒ#Å "Õ∞~°‰õΩ ÉϺO‰õΩ xHõ~° _çáêl@¡Ö’ 21.50% "Õ∞~°‰õΩ SLR ~°∂Ѩ=ÚÅÖ’ QÆ=~°fl"≥∞O\ò =∞iÜ«Ú "å\˜ J#∞|O^èŒ Ãã‰õĺi\©ÅÖ’ _çáêl\ò KÕÜ«∞=Öˇ#∞. QÆ_çz# 7 ã¨O=`«û~°=ÚÅ #∞O_ç ÉϺO‰õΩ ÃÑ@∞ì|_»∞Å∞ D „H˜Ok q^èŒ=ÚQÍ HõÅ=Ù. ~°∂II ÅHõΔÅÖ’ q=~°=ÚÅ∞ 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 SLR qx=∞Ü«∞=ÚÅ∞ 494.39 583.17 1351.52 1548.54 1448.54 2262.35 1662.67 W`«~° qx=∞Ü«∞=ÚÅ∞ 182.06 331.89 313.74 334.24 549.19 651.92 319.76 "≥Ú`«ÎO qx=∞Ü«∞=ÚÅ∞ 676.45 915.06 1665.26 1882.78 1997.73 2914.27 1982.43 =$kú 58.44% 35.27% 81.98% 13.06% 6.11% 45.88% -31.98% `Õk : 31–03–2018 <å\˜H˜ ˆH@ysÅ "åsQÍ QÆ=~°fl"≥∞O\ò Ãã‰õĺi\© q=~°=ÚÅ∞ ~°∂II ÅHõΔÅÖ’ QÆ=~°fl"≥∞O\ò ‰õÄѨ#∞¡ =ÚY ѨÙã¨ÎHõ =∂Ô~¯\ò =º`åºã¨=Ú Ãã‰õĺi\© ˆH@ysÅ∞ qÅ∞= qÅ∞= qÅ∞=

HTM(Held To Maturity) 23 716.60 711.65 731.52 +19.87 AFS( Available for Sale) 14 954.70 951.02 966.25 +15.23 "≥Ú`«ÎO 37 1671.30 1662.67 1697.77 +35.10 3 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 `Õk : 31–03–2018 <å\˜H˜ ÉϺO‰õΩ qq^èŒ "å\˜Ö’ KÕã≤# qx=∞Ü«∞=ÚÅ∞ D „H˜Ok q^èŒ=ÚQÍ HõÅ=Ù. ~°∂II ÅHõΔÅÖ’ SLR Non-SLR „Hõ.ã¨O. q=~°=ÚÅ∞ qx=∞Ü«∞=ÚÅ∞ qx=∞Ü«∞=ÚÅ∞

1. QÆ=~°fl"≥∞O\ò Ãã‰õĺi\©ÅÖ’ G.Secs 16,62,67,340.06 - 2. `≥ÅOQÍ} ~å„+¨ì ã¨Ç¨ÏHÍ~° ÉϺO‰õΩÖ’ TSCOB - 17,48,293.00 3. lÖÏ¡ ˆHO„^Œ ã¨Ç¨ÏHÍ~° ÉϺO‰õΩÖ’ DCCB’s - 4,21,923.00 4. i[~°∞fi Ѷ¨O_£ qx=∞Ü«∞=ÚÅ∞ TSCOB & DCCB - 95,69,994.00 5. „QÍ@∞º\˜ Ѷ¨O_£ LIC Ö’ - 18,96,919.00 6. FD with HDFC Bank, - 1,12,90,267.57 7. FD with IDFC Bank NLG - 70,43,411.00 8. EL's Investments in LIC - 17,68,945.00 "≥Ú`«ÎO Total 16,62,67,340.06 3,37,39,752.57 7. "åºáê~°=Ú Business : 2016–17 ã¨O=`«û~åxH˜ ÉϺO‰õΩ Ü≥ÚHõ¯ "≥Ú`«ÎO al<≥ãπ ~°∂. 117–12 HÀ@∞¡ LO_»QÍ, 2017–18 ã¨O=`«û~åO`åxH˜ ~°∂. 130.06 HÀ@¡`À 11.04% "åºáê~åaè=$kú ™êkèOK«_»O [iy#k. QÆ`« 7 ã¨O.~åÅÖ’ ÉϺO‰õΩ "åºáê~° =$kú D „H˜Ok q^èŒOQÍ HõÅ^Œ∞. ~°∂II ÅHõΔÅÖ’ q=~°=ÚÅ∞ 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 "åºáê~°O 2862.59 3847.93 5415.37 7561.50 9463.65 11712.45 13005.81 =$kú 42.08% 34.42% 40.73% 39.63% 25.15% 23.76% 11.04% 8. ÖÏÉèí=ÚÅ∞ Profits: QÆ`« Pi÷Hõ ã¨O=`«û~°O ÉϺO‰õΩ ~°∂. 83.86 ÅHõΔÅ xHõ~° ÖÏÉèí=Ú Pi˚OK«QÍ, D ã¨O=`«û~°=Ú P^•Ü«∞Ѩ٠Ѩ#∞fl K≥e¡OK«Hõ =Ú#∞Ѩ٠~°∂. 160.06 ÅHõΔÅ ÖÏÉèí=Ú Pi˚Oz#k. ÉϺO‰õΩ Pi˚Oz# xHõ~° ÖÏÉèí=ÚÃÑ· 35% "Õ∞~°‰õΩ P^•Ü«∞Ѩ٠Ѩ#∞fl K≥e¡OK«=ÅÜ«Ú#∞. „Ѩ™êÎ=# Pi÷Hõ ã¨O=`«û~°OÖ’ ÉϺO‰õΩ P^•Ü«∞Ѩ٠Ѩ#∞fl ~°∂. 65.37 ÅHõΔÅ∞ K≥e¡Oz, ~°∂. 94.68 ÅHõΔÅ x~°Hõ ÖÏÉèí=Ú Pi˚Oz#k. QÆ_çz# 7 ã¨O=`«û~°=ÚÅÖ’ ÉϺO‰õΩ P^•Ü«∞ =ºÜ«∞=ÚÅ q=~°=ÚÅ∞ D „H˜Ok q^èŒ=ÚQÍ HõÅ=Ù. ~°∂II ÅHõΔÅÖ’ q=~°=ÚÅ∞ 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 =_ô¤ P^•Ü«∞=Ú 181.51 256.98 324.26 496.10 589.93 760.09 805.51 W`«~° P^•Ü«∞=Ú 19.93 29.51 63.83 76.47 93.35 105.34 164.44 "≥Ú`«ÎO P^•Ü«∞=Ú 201.44 286.49 388.09 572.57 683.28 865.43 969.95 =_ô¤ K≥e¡OѨ٠102.68 143.15 199.10 343.91 389.46 479.72 460.76 x~°fiǨÏ} =ºÜ«∞=Ú 59.90 88.60 133.82 167.33 215.40 271.60 347.55 P^•Ü«∞Ѩ٠Ѩ#∞fl 11.36 16.82 14.04 17.89 22.18 30.25 66.96 "≥Ú`«ÎO =ºÜ«∞=Ú 173.94 248.57 346.96 529.13 627.04 781.57 875.27 xHõ~° ÖÏÉèí=Ú 27.50 37.92 41.13 43.44 56.24 83.86 94.68 =$kú 79.15% 37.89% 8.47% 5.62% 29.47% 49.11% 12.90% 9. x~°~°÷Hõ Pã¨∞ìÅ∞ (NPAs) : i[~°∞fi ÉϺO‰õΩ x|O^èŒ#Å „ѨHÍ~°=Ú 90 ~ÀAÅÖ’ XHõ H˜ã¨∞Î ÖËHõ =_ç¤ K≥e¡OK«x Z_»Å J\˜ì JѨÙÊ MÏ`åÅ#∞ x~°~°÷Hõ Pã¨∞÷Å∞ (NPA)QÍ Ñ¨iQÆ}˜OK«=Åã≤ LO_»∞#∞. W\˜ì JѨÙÊÅ ã¨∂÷Å âß`«=Ú "≥Ú`«ÎO 4 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 JѨÙÊÅÖ’ 7% q∞OK«~å^Œ∞. 7% q∞Oz# Z_»Å J\˜ì ÉϺO‰õΩ |ÅÇ‘Ï#"≥∞ÿ# ÉϺO‰õΩQÍ i[~°∞fi ÉϺO‰õΩ Ñ¨iQÆ}˜OK«∞#∞. =∞# ÉϺO‰õΩ xHõ~° x~°~°÷Hõ Pã¨∞÷Å∞ QÆ`« 13 ã¨O=`«û~åÅ #∞O_ç 0%QÍ HõÅ^Œ∞. D ã¨O=`«û~°=Ú =∞# ÉϺO‰õΩ

ã¨∂÷Å NPA 0.15%QÍ HõÅ^Œ∞. WO^Œ∞‰õΩ ã¨Ç¨ÏHõiOz# ÉϺO‰õΩ ã≤|ƒOkH˜ Jaè#O^Œ#Å∞ `≥eÜ«∞*Ëã¨∞Î<åfl=Ú. J^Õ q^èŒ=ÚQÍ JѨÙÊ H˜ã¨∞ÎÅ∞ „Hõ=∞O `«Ñ¨Ê‰õΩO_® K≥e¡Oz#O^Œ∞‰õΩ |∞∞}„QÆã¨∞ÎÅO^ŒiH˜ ^èŒ#º"å^Œ=ÚÅ∞ `≥eÜ«∞*Ëã¨∂Î, =Ú#∞‡O^Œ∞ W^Õ q^èŒ=ÚQÍ JѨÙÊ H˜ã¨∞ÎÅ∞ K≥e¡Oz ÉϺO‰õΩ Ñ¨Ù~Àaè=$kúH˜ ã¨Ç¨ÏHõiOK«QÆÅ~°∞. QÆ_çz# 7 ã¨O=`«û~åÅÖ’ ÉϺO‰õΩ x~°~°÷Hõ Pã¨∞÷Å∞ q=~°=ÚÅ∞ D „H˜Ok q^èŒ=ÚQÍ HõÅ=Ù. ~°∂II ÅHõΔÅÖ’ q=~°=ÚÅ∞ 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 |∞∞}ÏÅ "≥Ú`«ÎO 1139.02 1444.19 1864.87 2779.60 3624.36 4328.60 5075.35 ã¨∂÷Å NPA "≥Ú`«ÎO 0.34 0.14 0.93 0.00 0.00 0.24 7.42 ã¨∂÷Å NPA âß`«=Ú 0.03% 0.01% 0.05% 0.00% 0.00% 0.01% 0.15% xHõ~° NPA "≥Ú`«ÎO 0000000 xHõ~° NPA âß`«=Ú 0000000

10. HͺÑ≤@Öò J_çHõfiã≤ <å"£∞û (CRAR) : i[~°∞fi ÉϺO‰õΩ x|O^èŒ#Å "Õ∞~°‰õΩ Ã+_»∂ºÖò¤ HÍx ã¨Ç¨ÏHÍ~° ÉϺO‰õΩÅ∞ CRAR x+¨ÊuÎ Hõhã¨O 9% Hõey LO_»=Öˇ#∞. `Õk 31–03–2018 <å\˜H˜ =∞# ÉϺO‰õΩ CRAR x+¨ÊuÎ 14.93% HõÅ^Œ∞. QÆ`« 7 ã¨O=`«û~°=ÚÅ ÉϺO‰õΩ CRAR q=~°=ÚÅ∞ D „H˜Ok q^èŒ=ÚQÍ HõÅ=Ù. ~°∂II ÅHõΔÅÖ’

q=~°=ÚÅ∞ 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 Tier-I & Tier-II Capital 189.56 246.17 300.68 381.83 444.41 545.80 610.48 Risk Weighted Assets 756.18 1029.99 1436.46 2144.57 2992.13 3763.94 4088.86 CRAR 25.07% 23.89% 20.93% 17.80% 14.85% 14.50% 14.93%

11. „ÉÏOzŠѨx f~°∞ Performance of Branches : ÉϺO‰õΩ „ÉÏOpŠѨxf~°∞ `Õk 31–03–2018 <å\˜H˜ D „H˜Ok q^èŒ=ÚQÍ HõÅ^Œ∞. ~°∂II ÅHõΔÅÖ’ q=~°=ÚÅ∞ ÃÇÏ_£ PѶ‘ãπ áÈK«OѨe¡ KÒ@∞ѨÊÖò ^Õ=~°H˘O_» #Å¡Q˘O_» ǨeÜ«∂ K«O_»∂~ü ã¨∂~庿Ñ@ „áê~°OaèOz# `Õk 22-10-1997 30-05-2010 05-11-2012 18-10-2013 18-11-2015 04-08-2016 23-11-2017 _çáêl\ò ^•~°∞Å∞ 15398 12775 9644 8215 2508 2070 792 _çáêl@∞¡ 3263.07 1264.87 1190.50 1403.01 394.94 270.84 138.59 JѨÙÊ á⁄Ok# "å~°∞ 1672 847 883 447 359 294 13 =∞OE~°∞ KÕã≤# JѨÙÊÅ∞ 1986.37 830.35 790.10 614.48 486.19 343.82 23.95 xHõ~° ÖÏÉèí=Ú 72.68 11.18 9.40 2.18 7.81 2.14 -10.71 MÏ`å^•~°∞Å∞ (ÔH·¡O@Öò ÉËãπ) : ÉϺO‰õΩ Ü≥ÚHõ¯ ÔH·¡O@Öò ÉËãπ Ѩ~°OQÍ ‰õÄ_® QÆ}hÜ«∞"≥∞ÿ# =$kúx ™êkèã¨∞Î<åfl=Ú. `Õk 31–03–2018 <å\˜H˜ "≥Ú`«ÎO 7 „ÉÏOpÅÖ’ HõeÑ≤ QÆ`« ã¨O=`«û~°O`À áÈeÛ`Õ 13.44% =$kú`À 51,402 =∞Ok MÏ`å^•~°∞Å#∞ Hõey L<åfl=Ú. 5 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18

QÆ_çz# 7 ã¨O.ÅÖ’ ÉϺO‰õΩ Ü≥ÚHõ¯ ÔH·¡O@Öò ÉËãπ =$kú D „H˜Ok q^èŒ=ÚQÍ HõÅ^Œ∞. ~°∂II ÅHõΔÅÖ’

q=~°=ÚÅ∞ 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 ÔH·¡O@Öò ÉËãπ 16,819 20,437 29,480 35,977 40,534 45,313 51,402 =$kú 3,371 3,618 9,043 6,497 4,557 4,779 6,089 =$kú âß`«O 20.04% 21.51% 44.29% 22.04% 12.67% 11.79% 13.44%

12. ATM ÃãO@~°∞¡ : *ÏfÜ«∞ =∞iÜ«Ú W`«~° „ÃÑ·"Õ@∞ ÉϺO‰õΩʼnõΩ n@∞QÍ =∞# ÉϺO‰õΩ MÏ`å^•~°∞ʼnõΩ <å}º"≥∞ÿ# ¿ã=Å∞ JO^Œ*ËÜ«Ú@‰õΩ 7 „ÉÏOpÅ =^ŒÌ 10 ATM ÃãO@~°¡ ^•fi~å, JÜ«∂ „áêO`åÅ „Ѩ[Å #QÆ^Œ∞ J=ã¨~åÅ∞ f~°∞Û@‰õΩ ATM Ö’ #QÆ^Œ∞ xOÑ≤ x~°O`«~°=ÚQÍ 24/7 QÍ ATM ÃãO@~°∞¡ x~°fiÇ≤ÏOK«∞K«∞<åfl=Ú. 2017–18 ã¨O=`«û~åxH˜ QÍ#∞ ÉϺO‰õΩ ATM ÖÏ"å^ÕgÅÃÑ· ~°∂. 85.12 ÅHõΔÅ P^•Ü«∞=Ú Pi˚Oz#^Œx `≥Å∞ѨÙ@‰õΩ ã¨O`À+≤OK«∞K«∞<åfl=Ú. áÈK«OѨe¡, ^Õ=~°H˘O_» „ÉÏOz #O^Œ∞ U~åÊ@∞ KÕÜ«ÚK«∞#fl ATM Cash Recycler ^•fi~å #QÆ^Œ∞ LѨã¨OǨÏ~°} =∂„`«"Õ∞ H͉õΩO_® =∞# ÉϺO‰õΩ #O^Œ∞ QÆÅ MÏ`åʼnõΩ =∞iÜ«Ú W`«~° ÉϺO‰õΩ MÏ`åÖ’ #QÆ^Œ∞ [=∞ KÕÜ«∞ ™œHõ~°º=Ú Ju `«fi~°Ö’ MÏ`å^•~°∞ʼnõΩ JO^Œ∞ÉÏ@∞Ö’xH˜ fã¨∞‰õΩ~å=_»O [~°∞QÆ∞K«∞#flk. ATM „áê~°OaèOz# <å\˜ #∞O_ç ÉϺO‰õΩ ATM ÅÃÑ· Pi˚Oz# P^•Ü«∞=Ú D „H˜Ok q^èŒ=ÚQÍ HõÅ^Œ∞. ~°∂II ÅHõΔÅÖ’ q=~°=ÚÅ∞ 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 No.of ATMs 3 4 4 6 7 9 ATM „\Ï<åûHõΔ<£ ÃÑ·# 8.26 29.23 29.55 35.46 39.76 85.12 ATM Cards ÃÑ·# 1.67 5.21 4.51 7.46 8.57 8.18 "≥Ú`«ÎO ATM P^•Ü«∞=Ú 9.93 34.44 34.06 42.92 48.33 93.30 % Growth 99.30% 246.83% -1.10% 26.01% 12.60% 93.05%

QÆ_»z# 2 ã¨O=`«û~åÅÖ’ ATM ã¨O|Okè`« ÖÏ"å^ÕgÅ∞ D „H˜Ok q^èŒOQÍ HõÅ=Ù. ~°∂II HÀ@¡Ö’ q=~° Acquirer Issuer On Us POS ECOM =ÚÅ∞ Fin Non-Fin Amount Fin Non-Fin Amount Trans Amount Trans Amount Trans Amount 2016-17 325534 131764 128.00 34119 25554 12.48 68200 18.99 17375 3.21 5583 0.57 2017-18 598042 202860 273.09 30112 23981 12.35 75144 23.45 17317 3.63 10341 1.23

=$kú 83.71% 53.96% 113.37% -11.74% -6.06% -1.02% 10.18% 23.44% -0.32% 10.51% 85.22%115.78%

13. ~°∂¿Ñ _≥a\ò/áê¡\˜#O _≥a\ò HÍ~°∞¤ Debit/Platinum Card & POS & e-commerce ™œY~°º=Ú : =∞# ÉϺO‰õΩ MÏ`å^•~°∞ʼnõΩ ~°∂¿Ñ _≥a\ò HÍ~°∞¤ JO^Œ*Ëã≤, =∞# ÉϺO‰õΩ ATM ÃãO@~ü #∞O_ç HÍh ^Õâ◊OÖ’x =∞ˆ~ W`«~° ÉϺO‰õΩ ATM ÃãO@~ü #∞O_≥·# ÖÏ"å^ÕgÅ∞ [~°∞Ѩ=K«∞Û#∞. J^Õ q^èŒOQÍ _≥a\ò HÍ~°∞¤ ^•fi~å #QÆ^Œ∞ ~°Ç≤Ï`« ÖÏ"å^ÕgÅ∞ POS Ü«∞O„`åÅÖ’ =∞iÜ«Ú D–HÍ=∞~üû ÖÏ"å^ÕgÅ∞ [~°∞Ѩ=K«∞Û#∞. WѨÊ\˜ =~°‰õΩ "≥Ú`«ÎO 21,965 ~°∂¿Ñ ATM/_≥a\ò/_≥a\ò áê¡\˜#"£∞ HÍ~°∞¤Å∞ *Ïs KÕÜ«∞<≥·#k. D ã¨O=`«û~°=Ú Rupay Platinum Debit Card MÏ`å^•~°∞ʼnõΩ JO^Œ∞ÉÏ@∞Ö’H˜ fã¨∞‰õΩ~å=_»O [iy#k. D HÍ~°∞¤ ^•fi~å ^Õâ◊OÖ’x qq^èŒ q=∂<å„â◊=∂Å Lz`« Lounge Entry ã¨^Œ∞áêÜ«∞=Ú`À áê@∞ Big Bazaar =∞iÜ«Ú W`«~° "å}˜[º ã¨Oã¨÷Å∞ „ѨHõ\˜OKÕ _癜¯O\˜OQ∑ ™œHõ~°º=Ú á⁄O^Œ=K«∞Û#∞. 6 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 14. AADHAR PAYMENT SYSTEM P^•~ü ¿Ñ"≥∞O\òû : P^è•~ü J#∞ã¨O^è•#=Ú ^•fi~å ˆHO„^Œ „ѨÉèí∞`«fiO Qͺãπ ã¨aû_ô =∞iÜ«Ú W`«~° „ѨÉèí∞`«fi ~å~ÚfÅ∞, ã¨aû_ôÅ∞ =∞# ÉϺO‰õΩ MÏ`å^•~°∞Å∞ ¿ãqOQ∑û MÏ`å ^•fi~å ÅaÌ á⁄O^Œ=K«∞Û#∞. WѨÊ\˜ =~°‰õΩ 21962 (31/03/2018) MÏ`å^•~°∞Å P^è•~ü <≥O|~°∞¡ UIDAI "åi`À J#∞ã¨O^•#=Ú KÕÜ«∞<≥·#k. Qͺãπ HõOÃÑhÅ∞ ã¨O|Okè`« MÏ`å^•~°∞ʼnõΩ ã¨aû_ô "≥Ú`«ÎO ~åQÍ<Õ "≥O@<Õ "åi MÏ`åʼnõΩ [=∞ KÕÜ«∞_»O [~°∞QÆ∞K«∞#flk. JÖψQ D x"ÕkHõ HÍÅOÖ’ ~°∂. 99.40 ÅHõΔÅ "≥Ú`«ÎO ã¨aû_ôx APBS ^•fi~å MÏ`å^•~°∞ʼnõΩ JOkOK«_»O [iy#k. RBI x|O^èŒ#Å "Õ∞~°‰õΩ MÏ`å^•~°∞Å MÏ`åʼnõΩ P^è•~ü <≥O|~ü J#∞ã¨O^è•#=Ú `«Ñ¨Êxã¨i KÕÜ«∞=Åã≤ Ü«Ú#flO^Œ∞#, g∞ P^è•~ü HÍ~°∞¤ „Ѩux „ÉÏOzÖ’ JO^Œ*Ëã≤ MÏ`å‰õΩ J#∞ã¨O^•xOK«∞HÀ=Åã≤#kQÍ q[˝Ñ≤Î KÕã¨∞Î<åfl=Ú. 15. H˘`«Î âßYÅ∞ New Branches : „Ѩ™êÎ=# Pi÷Hõ D ã¨O=`«û~°OÖ’ `Õk : 23–11–2017 <å_»∞ ã¨∂~庿Ñ@ Ѩ@ì}OÖ’ ÉϺO‰õΩ 7= âßY#∞ lÖÏ¡ HõÖˇHõì~ü N ã¨∞ˆ~O„^Œ"≥∂ǨÏ<£ IAS QÍi KÕ`«∞Å g∞^Œ∞QÍ „áê~°OaèOK«<≥·#k. ABP 2018–19 ã¨O=`«û~°=Ú „H˜O^Œ „ÉÏOz <≥ÅH˘Å∞Ê@‰õΩ RBI "åiH˜ „Ѩuáê^Œ#Å∞ ѨOѨ<≥·#k. HÍh i[~°∞fi ÉϺO‰õΩ "å~°∞ „ÉÏOz áêÅã‘ q^è•#=Ú i=Óº KÕÜ«∞=ã≤# Ü«Ú#flO^Œ∞# „ÉÏOz =∞OEiÖ’ *ÏѨº=Ú [~°∞QÆ∞K«∞#flk. áêÅã‘ i=ÓºÖ’ ÉèÏQÆOQÍ `Õk 25–06–2018 <å_»∞ RBI "≥Éò Ãã·\òÖ’ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺO‰õΩÅÖ’ É’~°∞¤ PѶπ "Õ∞<Õ*ò"≥∞O\ò U~åÊ@∞‰õΩ „_®Ñ¶πì ÔQ·_≥<£û *Ïs KÕã≤ Jaè„áêÜ«∂Å∞ ¿ãHõiOz<å~°∞. É’~ü¤ PѶπ "Õ∞<Õ*ò"≥∞O\ò‰õΩ ã¨O|OkèOz ÃѶ·#Öò ÔQ·_£ Öˇ·<£û "≥Å∞=_»=Åã≤Ü«Ú#flk. `«^Œ#O`«~°=Ú „ÉÏOzÅ =∞OEs „Ѩ„H˜Ü«∞#∞ RBI "å~°∞ "≥Ú^ŒÅ∞ ÃÑ>ˇì J=HÍâ◊=Ú LO_»=K«∞Û#∞. 16. ã≤|ƒOk Staff : MÏ`å^•~°∞ʼnõΩ =∞iÜ«Ú qxÜ≥∂QÆ^•~°∞ʼnõΩ ã¨`«fi~° =∞iÜ«Ú áê~°^Œ~°≈Hõ"≥∞ÿ# ¿ã=ÅOkOK«_»OÖ’ ÉϺO‰õΩ ã≤|ƒOk =ÚYº áê„`« =Ç≤Ïã¨∞Î<åfl~°∞. =ÚYº HÍ~°º x~°fiǨÏ}ÏkèHÍi QÍi P^èŒfi~°ºOÖ’ 50 =∞Ok Ô~QÆ∞ºÅ~ü ã≤|ƒOk`À áê@∞QÍ Hõ<åûe_Õ>ˇ_£ L^ÀºQÆ∞ŠѨxKÕã¨∞Î<åfl~°∞. WkÜÕ∞ H͉õΩO_® ÉϺO‰õΩ#‰õΩ „ÉÏOz#‰õΩ „ÉÏOzÅ "åsQÍ <åºÜ«∞ ã¨ÅǨ^•~°∞, |OQÍ~°∞ #QÆÅ <å}º`å ѨijʼnõΩÅ∞, Ãã‰õĺi\© QÍ~°∞¤Å∞, ã‘fiѨ~°∞¡ ѨxKÕÜ«ÚK«∞<åfl~°∞. ÉϺO‰õΩ L^ÀºQÆ∞Å L`åÊ^ŒHõ`«#∞ ÉϺO‰õΩ Ü≥ÚHõ¯ Ѷ¨~ü ZOáê¡~Ú al<≥ãπ |\˜ì K≥ѨÊ=K«∞Û#∞. 2016–17 Pi÷Hõ ã¨O=`«û~åxH˜ =∞# ÉϺO‰õΩ Ñ¶¨~ü ZOáê¡~Ú al<≥ãπ ~°∂. 278.87 ÅHõΔÅ∞ LO_»QÍ 2017–18 Pi÷Hõ ã¨O=`«û~åxH˜ ~°∂. 265–43 ÅHõΔÅ∞ HõÅ^Œ∞. 17. ã≤|ƒOkH˜ tHõΔ} Staff Training : „ÉÏOzÅ qã¨Î~°} =Å¡ #∂`«# L^ÀºQÆ∞Å ã¨OYº ÃÑ~°QÆ_»O`À áê@∞QÍ, „Ѩ"≥∂+¨#∞¡ =Å¡ #∂`«# ÉÏ^茺`«Å ÃÑOѨ٠=O\˜ =∂~°∞ÊÅ∞ [~°∞QÆ∞`«∞<åfl~Ú. JÖψQ ÉϺOH˜OQ∑ ~°OQÆOÖ’ ~ÀA~ÀAH˜ qѨ¡"å`«‡Hõ"≥∞ÿ# =∂~°∞ÊÅ∞ KÀ@∞ KÕã¨∞‰õΩO@∞<åfl~Ú. HÍ=Ù# L^ÀºQÆ∞Å Ü≥ÚHõ¯ <≥·Ñ¨Ù}ϺÅ#∞, q*Ï˝<åxfl ZѨÊ\˜HõѨÙÊ_»∞ ÃÑOá⁄OkOK«=Åã≤# J=ã¨~°O LOk. HÍ=Ù# ÉϺO‰õΩ Ü«∞O^Œ∞ L^ÀºQÆ∞Å ˆH_»~üÅ "åiQÍ tHõΔ} HÍ~°º„Hõ=∂Å#∞ x~°fiÇ≤ÏOK«_»O [~°∞QÆ∞`«∞Ok. J^Õ q^èŒOQÍ ÉèÏ~°fÜ«∞ i[~°∞fi ÉϺO‰õΩ, ~å*ËO„^Œ#QÆ~ü ã¨Ç¨ÏHÍ~° tHõΔ} ã¨Oã¨÷, NPCI ѨÙ}ˇ ã¨Ç¨ÏHÍ~° tHõΔ} ã¨Oã¨÷, `≥ÅOQÍ} J~°ƒ<£ ÉϺO‰õΩÅ ÃѶ_»ˆ~+¨<£ "å~°∞ IDRBT "å~°∞ x~°fiÇ≤ÏOKÕ qq^èŒ tHõΔ} HÍ~°º„Hõ=∂ʼnõΩ ‰õÄ_® ѨOÑ≤OK«_»O [~°∞QÆ∞`«∞Ok. 18. CTS H˜¡Ü«∞iOQ∑ : ÉèÏ~°fÜ«∞ i[~°∞fi ÉϺO‰õΩ "å~°∞ NPCI ^•fi~å „Ñ¨"Õâ◊ÃÑ\˜ì# J^èŒ∞<å`«# H˜¡Ü«∞iOQ∑ ã≤ã¨ì"£∞ CTS Clearing System WO^Œ∞Ö’ ÉèÏQÆOQÍ =∞# ÉϺO‰õΩ Ü«∞O^Œ∞ #=O|~ü 2013Ö’ CTS H˜¡Ü«∞iOQ∑#∞ „Ѩ"Õâ◊ÃÑ@ì_»O [iy#k. 2017–18 ã¨O=`«û~°OÖ’ "≥Ú`«ÎO 7947 K≥‰õΩ¯Å "≥Ú`«ÎO ~°∂. 30 HÀ@¡ 69 ÅHõΔÅ CTS Clearing ÖÏ"å^ÕgÅ#∞ [~°Ñ¨_»O [iy#k. 7 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 19. ECS H˜¡Ü«∞iOQ∑ NACH Debit & Credit System : <Õ+¨#Öò P\’"Õ∞>ˇ_£ H˜¡Ü«∞iOQ∑ ǨÏ∫ãπ (NACH) NPCI "å~°∞ x~°fiǨÏ} KÕÜ«ÚK«∞<åfl~°∞. WO^Œ∞Ö’ =∞# ÉϺO‰õΩ ã¨Éèíº`«fi=Ú HõeyÜ«Ú#flk. WO^Œ∞Ö’ ACH Debit, ACH Credit =∞iÜ«Ú ECS ™œHõ~åºÅ∞ MÏ`å^•~°∞ʼnõΩ JO^Œ∞ÉÏ@∞Ö’H˜ fã¨∞‰õΩ~å=_»O [iy#k. J#QÍ MÏ`å^•~°∞Å∞ W`«~° ÉϺO‰õΩÅ EMIÅ∞ =ÚºK«∞=Öò Ѷ¨O_»¡ SIP H˜ã¨∞ÎÅ∞ <≥Å"åiQÍ xs‚`« HÍÅ=º=kèH˜ K≥e¡OK«∞@‰õΩ K≥‰õΩ¯Å J=ã¨~°O ÖˉõΩO_® XHõ™êi =∂O_Õ\ò *Ïs KÕã≤ P\’"≥∞\˜H±QÍ H˜ã¨∞ÎÅ∞ K≥e¡OK«=K«∞Û#∞. 2017–18 ã¨O=`«û~°OÖ’ 4133 ÖÏ"å^ÕgʼnõΩ, ~°∂. 8 HÀ@¡ 44 ÅHõΔÅ ÖÏ"å^ÕgÅ∞ [iy#q. J^Õ q^èŒ=ÚQÍ =∞# ÉϺO‰õΩ =∞OEs KÕ¿ã |∞∞}ÏʼnõΩ =∂O_Õ@∞¡ fã¨∞H˘x <≥Å"åi H˜ã¨∞ÎÅ∞ =ã¨∂Å∞ KÕÜ«∞_»O [~°∞QÆ∞K«∞#flk. 20. DE-MONITATION <À@¡ ~°^Œ∞Ì „ѨÉèÏ=O : `Õk 10–11–2016 #∞O_ç „Ñ¨Éèí∞`«fi=Ú J=∞Å∞Ѩiz# ÃÑ^ŒÌ <À@¡ ~°^Œ∞Ì „ѨÉèÏ==Ú ÉϺO‰õΩÃÑ· "Õ∞–2018 =∂ã¨=Ú =~°‰õΩ H˘#™êy#k. =∞# ÉϺO‰õΩ âßYÅ∞ L#fl „áêO`åÅÖ’x qq^èŒ ÉϺO‰õΩÅ∞ De- Monetization ÉÏi# Ѩ_ç MÏ`å^•~°∞ʼnõΩ ¿ã=Å∞ JO^Œ*ËÜ«∞ÖËx ã≤÷uÖ’ LO_≥#∞. HÍh =∞# MÏ`å^•~°∞ʼnõΩ <À@¡ ~°^Œ∞Ì „ѨÉèÏ==Ú Ñ¨_»‰õΩO_® ¿ã=Å∞ JO^Œ*Ëã≤, #QÆ^Œ∞ LѨã¨OǨÏ~°}Ö’ Z@∞=O\˜ Ѩiq∞`«∞Å∞ qkèOK«‰õΩO_®, HÀi#O`« #QÆ^Œ∞ JO^Œ*Ëã≤ ATMÃãO@~°∞¡ x~°O`«~°=ÚQÍ Ñ¨xKÕ~ÚOz, P „áêO`« MÏ`å^•~°∞Å =∞iÜ«Ú „Ѩ[Å =∞#fl#Å∞ á⁄O^Œ<≥·#k. WO^Œ∞‰õΩ ã¨Ç¨ÏHõiOz# ÉϺO‰õΩ ã≤|ƒOkH˜ „Ѩ`ÕºHõ Jaè#O^Œ#Å∞ `≥eÜ«∞*Ëã¨∞Î<åfl#∞. 21. Mobile Banking ™œY~°º=Ú : ÉϺO‰õΩ MÏ`å^•~°∞ʼnõΩ áÈK«OѨe¡ "≥∂ɡ·Öò ÉϺO‰õΩ PÑπ ^•fi~å Mobile Banking ™œY~°º=Ú JO^Œ∞ÉÏ@∞Ö’H˜ fã¨∞‰õΩ~å=_»O [iy#k. nx ^•fi~å W`«~° ÉϺO‰õΩÅ =∂kiQÍ MÏ`å^•~°∞Å∞ `«=∞ =^ŒÌ L#fl "≥Úɡ·Öò ^•fi~å #QÆ^Œ∞#∞ U ÉϺO‰õΩ MÏ`å^•~°∞ÔH·<å HõΔ}ÏÅÖ’ #QÆ^Œ∞ „\Ï<£ûѶ¨~ü KÕã¨∞HÀ=K«∞Û#∞ =∞iÜ«Ú W`«~° ã¨sfiã¨∞Å∞ ÉÏºÖˇ<£û Enquiry, Mini Statement =O\˜q `≥Å∞ã¨∞H˘#=K«∞Û#∞. 2017–18 Pi÷Hõ ã¨O=`«û~°=ÚÖ’ "≥∂ɡ·Öò ÉϺOH˜OQ∑ ^•fi~å ~°∂. 62.49 HÀ@¡ ÖÏ"å^ÕgÅ∞ [iy#q. `Õk : 21–08–2018 #∞O_ç =∞# ÉϺO‰õΩ #∂`«# "≥∂ɡ·Öò ÉϺOH˜OQ∑ PÑπ MÏ`å^•~°∞ʼnõΩ JO^Œ∞ÉÏ@∞Ö’H˜ `Õ<≥·#k. WO^Œ∞Ö’ H˘xfl J^Œ#Ѩ٠¿ã=Å∞ „Ñ≤¿Ñ~Ú_£, "≥Úɡ·Öò iKås˚Å∞ áÈã¨∞ìÃÑ~Ú_£ aÅ∞¡Å K≥e¡OѨÙ, _ç.\˜.ÃÇÏKü. iKå~°∞˚Å∞, NEFT, q^Œ∞º`ü aÅ∞¡ K≥e¡OѨÙ, aÖò ¿Ñ"≥∞O\ò =O\˜ W`«~° ã¨^Œ∞áêÜ«∂Å∞ "≥∂ɡ·Öò ÉϺOH˜OQ∑ PÑπ ^•fi~å fã¨∞‰õΩ~å=_»O [iy#k. ~å#∞#fl ~ÀAÅÖ’ =∞ixfl #∂`«# Ѷ‘K«~°∞¡ "≥Úɡ·Öò ÉϺOH˜OQ∑ PÑπ #O^Œ∞ fã¨∞‰õΩ~å#∞<åfl=Ú. 22. #∂`«# >ˇHÍflÅr ¿ã=Å∞ Technology Innovations : =∂~°∞K«∞#fl >ˇHÍflÅrH˜ J#∞QÆ∞}OQÍ „Ѩ™êÎ=# Pi÷Hõ ã¨O=`«û~°=ÚÖ’ =∞# ÉϺO‰õΩ Z<Àfl ~°HÍÅ J^èŒ∞<å`«# >ˇHÍflÅr ¿ã=Å∞ MÏ`å^•~°∞ʼnõΩ JO^Œ∞ÉÏ@∞Ö’H˜ fã¨∞‰õΩ~å=_»O [iy#k. H˘xfl =ÚYº"≥∞ÿ#q. A). áÈK«OѨe¡ \’Öò „Ѷ‘ ÉϺOH˜OQ∑ ã¨sfiãπ Toll Free Banking : ÉϺO‰õΩ #∞O_ç =KÕÛ SMS #∞Oz QÍx ÖËHõ QÆ∂QÆ∞Öò ¿Ñ¡ ™Èì~ü #∞O_ç QÍx áÈK«OѨe¡ \’Öò „Ѷ‘ ÉϺOH˜OQ∑ ã¨sfiÃããπ PÑπ _Ò<£ Ö’_£ KÕã¨∞H˘x D „H˜Ok ¿ã=Å∞ Lz`«=ÚQÍ á⁄O^Œ=K«∞Û#∞. ™ê‡~üì á¶È<£ ÖˉõΩ<åfl ÉËã≤H± á¶È<£ L#fl "å~°∞ ‰õÄ_® D „H˜Ok #O|~°¡‰õΩ q∞ãπ_£ HÍÖò W=fi_»O ^•fi~å W\˜ì ¿ã=Å∞ á⁄O^Œ=K«∞Û#∞. 1. 08030647060 - Account Balance 2. 08030647061 - Account Statement 3. 08030647062 - Cheque Book Request 4. 08030647064 - FD Booking 5. 08030647065 - Loan Apply 6. 08030647059 - NEFT Transaction 8 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 7. 08030647016 - Electricity Bill Payment 8. 08030647018 - BSNL Landline Bill Payment 9. 08030647067 - ATM On/Off B). q^Œ∞º`ü aÅ∞¡Å K≥e¡OѨ٠Electricity Bill Payment : g∞~°∞ L#fl „Ѩ^Õâ◊O #∞O_Õ 080–30647016 #O|~üH˜ q∞ãπ_£ HÍÖò KÕÜ«∞_»O ^•fi~å q^Œ∞º`ü aÅ∞¡ g∞ MÏ`å #∞O_ç "≥O@<Õ K≥e¡OK«|_»∞`«∞Ok. (D ã¨^Œ∞áêÜ«∞=Ú xq∞`«ÎO MÏ`å^•~°∞Å∞ g∞ Ü≥ÚHõ¯ "≥Úɡ·Öò #O|~üH˜ q^Œ∞º`ü g∞@~ü USC #O|~ü ÉϺO‰õΩÖ’ One >ˇÿ"£∞ il+¨ì~ü KÕã¨∞H˘#=ã≤Ü«ÚO_»∞#∞). ^Õâ◊OÖ’x J~°ƒ<£ ÉϺO‰õΩÅÖ’ "≥Ú^Œ\˜™êiQÍ =∞# ÉϺO‰õΩ W@∞=O\˜ ã¨^Œ∞áêÜ«∞=Ú MÏ`å^•~°∞ʼnõΩ JO^Œ∞ÉÏ@∞Ö’xH˜ fã¨∞‰õΩ~å<≥·#k. C). áêãπ |∞H± Pass Book Kiosk : áêãπ |∞H± Kiosk J#QÍ MÏ`å^•~°∞Å∞ "åi MÏ`å ѨÙã¨ÎHõ=Ú#∞, "åˆ~ „Ñ≤O\ò KÕã¨∞H˘x, ¿ãì\ò"≥∞O\ò ã¨iK«∂ã¨∞H˘#∞ ã¨^Œ∞áêÜ«∞=Ú. áÈK«OѨe¡ „ÉÏOz #O^Œ∞ U~åÊ@∞ KÕã≤# W\˜ì ã¨^Œ∞áêÜ«∞=Ú MÏ`å^•~°∞ʼnõΩ JO^Œ∞ÉÏ@∞Ö’xH˜ fã¨∞‰õΩ~å=@O [iy#k. `«~°fiÖ’ q∞QÆ`å „ÉÏOpÅÖ’ ‰õÄ_® D ã¨^Œ∞áêÜ«∞=Ú JO^Œ∞ÉÏ@∞Ö’H˜ fã¨∞‰õΩ~åQÆÅ=∞x `≥e*Ëã¨∞Î<åfl=Ú. D). Self Banking Kiosk : „Ѩã¨∞Î`«=Ú =∂~°∞`«∞#fl ÉϺOH˜OQ∑ "å`å=~°}=Ú#‰õΩ n@∞QÍ =∞# ÉϺO‰õΩ MÏ`å^•~°∞ʼnõΩ "åi ÉϺOH˜OQ∑ „\Ï<åûHõΔ<£û "åˆ~ KÕã¨∞H˘#∞ ™œHõ~°º=Ú Self Banking Kiosk ^•fi~å HõeÊOK«∞@ [~°∞QÆ∞K«∞#flk. Self Banking Kiosk #O^Œ∞ JH“O\ò ÉÏºÖˇ<£û, JH“O\ò ¿ãì\ò"≥∞O\ò, NEFT/RTGS „\Ï<£ûѶ¨~ü, K≥H± |∞H± iÔHfiãπì, Hͺ+π _çáêl\ò, _çáêl\ò |∞H˜OQ∑, K≥H± _çáêl\ò =O\˜ ¿ã=Å∞ MÏ`å^•~°∞Å∞, "åˆ~ KÕã¨∞H˘#=K«∞Û#∞. E). TAB ÉϺOH˜OQ∑ ã¨sfiÃããπ : MÏ`å^•~°∞Å =^ŒÌˆH ÉϺO‰õΩ ¿ã=Å∞ J<Õ x<å^Œ=Ú`À TAB ÉϺOH˜OQ∑ ã¨^Œ∞áêÜ«∞=Ú fã¨∞‰õΩ~å=_»O [iy#k. W\˜ì ã¨^Œ∞áêÜ«∞=Ú ^•fi~å ÉϺO‰õΩ ã≤|ƒOk MÏ`å^•~°∞Å L#fl „Ѩ^Õâ◊=Ú #∞O_ç MÏ`å#∞ „áê~°OaèOK«∞ ã¨^Œ∞áêÜ«∞=Ú HõeÊOK«<≥·#k. ~å#∞#fl ~ÀAÖ’¡ TAB ÉϺOH˜OQ∑ ^•fi~å #QÆ^Œ∞ [=∞, LѨã¨OǨÏ~°}, K≥H± _çáêl\ò`À áê@∞ =∞Ô~<Àfl #∂`«# ¿ã=Å∞ JO^Œ∞ÉÏ@∞Ö’xH˜ fã¨∞‰õΩ~åQÆÅ=∞x `≥eÜ«∞*ËÜ«ÚK«∞<åfl=Ú. F). Host to Host ã¨sfiÃããπ CKYC, NACH, RTGS/NEFT : MÏ`å^•~°∞ʼnõΩ `«fii`«QÆu# ÉϺOH˜OQ∑ ¿ã=Å∞ JOkOK«∞@‰õΩ =∞iÜ«Ú Z@∞=O\˜ =∂#∞º=Öò Ѩ^Œúu ÖˉõΩO_® H˘xfl ÉϺOH˜OQ∑ ¿ã=Å∞ Host to Host q^è•#=Ú ÉϺO‰õΩÖ’ U~åÊ@∞ KÕÜ«Ú@ [iy#k. WO^Œ∞Ö’ =ÚYºOQÍ RTGS/NEFT, NACH ACH, Cr, Dr H˜¡Ü«∞iOQ∑, e-MANDATE, CKYC HõÅ=Ù. G). áÈK«OѨe¡ e-Statement ã¨sfiãπ : W\©=Å HÍÅOÖ’ =∞# ÉϺO‰õΩ „Ѩ"Õâ◊ÃÑ\˜ì# #∂`«# ¿ã=ÅÖ’ áÈK«OѨe¡ e-Statement ã¨sfiãπ ‰õÄ_® XHõ\˜. H˘xfl „ѨÉèí∞`«fi =∞iÜ«Ú „ÃÑ·"Õ@∞ ÉϺO‰õΩʼnõΩ n@∞QÍ =∞# ÉϺO‰õΩ ‰õÄ_® MÏ`å^•~°∞Å∞ `«=∞ Ü≥ÚHõ¯ JH“O\ò ¿ãì\ò"≥∞O\ò#∞ "å~°∞ ÉϺO‰õΩ #O^Œ∞ ilã¨ì~ü KÕã¨∞H˘#fl e-mail #‰õΩ ~ÀA/ <≥Å/ã¨O=`«û~° "åsQÍ Ñ¨OѨÙ@ [~°∞QÆ∞K«∞#flk. 23. POS & MPOS Ü«∞O„`åÅ∞ : qq^èŒ ÉϺO‰õΩÅ∞ >ˇHÍflÅr ¿ã=ÅÖ’ ÉèÏQÆOQÍ MÏ`å^•~°∞ʼnõΩ #QÆ^Œ∞ ~°Ç≤Ï`« ÖÏ"å^ÕgÅ∞ [~°∞Ѩ=Åã≤#kQÍ `≥e*Ëã¨∂Î, _≥a\ò/„ÔH_ç\ò HÍ~°∞¤Å∞ *Ïs KÕÜ«∞K«∞<åfl~°∞. _≥a\ò/„ÔH_ç\ò HÍ~°∞¤Å∞ ëêѨÙÅÖ’ Ãã·fiÑπ KÕÜ«Ú@‰õΩ =∞# ÉϺO‰õΩ ¿ãqOQ∑û, HõÔ~O@∞ MÏ`å^•~°∞ʼnõΩ POS =∞iÜ«Ú MPOS Ü«∞O„`åÅ∞ "åi Ü≥ÚHõ¯ ëêѨÙÅÖ’ <≥ÅH˘ÅÊ_»O [~°∞QÆ∞K«∞#flk. WѨÊ\˜ =~°‰õΩ 181 ëêѨÙÅÖ’ D Ü«∞O„`åÅ∞ <≥ÅH˘ÅÊ_»O [iy#k.

9 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18

24. _çáêl@¡ Éèí„^Œ`« Deposit Insurance & Credit Guarantee Corporation : ÉϺO‰õΩ #O^Œ∞ _çáêl\ò KÕã≤# ™⁄=Ú‡‰õΩ Éèí„^Œ`« HõeÊOK«∞@‰õΩ i[~°∞fi ÉϺO‰õΩ x|O^èŒ#Å "Õ∞~°‰õΩ, ÉϺO‰õΩ _çáêl@∞¡ W#∂ûÔ~<£û =∞iÜ«Ú „ÔH_ç\ò Qͺ~°O\© HÍ~Àʈ~+¨<£, =ÚOÉÏ~Ú "åi =^ŒÌ cè=∂ KÕ~ÚOK«|_ç#q. ÉϺO‰õΩ _çáêl@¡ÃÑ· cè=∂ „Ñ‘q∞Ü«∞O „Ѩu J~°÷ ã¨O=`«û~°=Ú#‰õΩ XHõ =∂~°∞ K≥e¡OK«=ÅÜ«Ú#∞. ÉϺO‰õΩ D Ü≥ÚHõ¯ „Ñ‘q∞Ü«∞O#∞ ÃãÃÑìO|~ü–2018 ã¨O=`«û~°O =~°‰õΩ K≥e¡OK«_»O [iy#k. 25. P_ç\˜OQ∑ Auditing : 2017–2018 Pi÷Hõ ã¨O=`«û~°=Ú#‰õΩ ÉϺO‰õΩ ÖˇHõ¯Å∞ P_ç\ò N |O_®~°∞ N<å^ä£ FCA, KèåÔ~ì_£ JH“O>ˇO\ò QÍ~°∞ KÕã≤ 'A' `«~°QÆu ˆH@yiÖ’ KÕiÛ<å~°∞. 2018–2019 Pi÷Hõ ã¨O=`«û~åxH˜ QÍ#∞ qq^èŒ „ÉÏOpʼnõΩ Concurrent Audit KÕÜ«Ú@‰õΩ D „H˜Ok P_ç@~°¡#∞ xÜ«∂=∞Hõ=Ú KÕÜ«∞<≥·#k. áÈK«OѨe¡ – N ÃÑiHõ ÅHõΔ‡Ü«∞º, Rtd. Manager KÒ@∞ѨÊÖò, #Å¡Q˘O_», ã¨∂~庿Ñ@ – N H˘Å#∞ K«O„^Œ=∞øo, Rtd. Manager ^Õ=~°H˘O_» – N ~åq~åÅ g~°Ü«∞º, Rtd. Manager ǨeÜ«∂, K«O_»∂~ü – N =∂Hõ=∞Å¡ [OQÆÜ«∞º, Rtd. Manager 26. „Ѩ^è•# =∞O„u r=# *’ºu cè=∂ Ü≥∂[# (PMJJBY) „Ѩ^è•# =∞O„u ã¨∞~°HõΔ cè=∂ Ü≥∂[# (PMSBY): =∞# ^Õâ◊ „Ѩ^è•x N #ˆ~O„^Œ"≥∂_ç QÍ~°∞ „Ѩuëêì`«‡HõOQÍ „Ѩ"Õâ◊ÃÑ\˜ì# „Ѩ^è•# =∞O„u r=# *’ºu cè=∂ Ü≥∂[# (PMJJBY) „Ѩ^è•# =∞O„u ã¨∞~°HõΔ cè=∂ Ü≥∂[# (PMSBY) Ѩ^äŒHÍÅ∞ „ѨÉèí∞`«fiO „Ѩ"Õâ◊ÃÑ\˜ì# <å\˜ #∞O_ç =∞# ÉϺO‰õΩ MÏ`å^•~°∞ʼnõΩ JOkOK«_»O [~°∞QÆ∞K«∞#flk. `Õk : 31–05–2018 <å\˜H˜ =∞# ÉϺO‰õΩ #∞O_ç PMJJBY „H˜O^Œ 1543 =∞OkH˜ =∞iÜ«Ú PMSBY „H˜O^Œ 3165 =∞OkH˜ cè=∂ ™œY~°ºO HõeÊOK«<≥·#k. ˆHO„^Œ „ѨÉèí∞`«fi=Ú ^Õâ◊ „Ѩ[ʼnõΩ HõeÊOz# D Q˘Ñ¨Ê cè=∂ ™œY~°º=Ú#∞ MÏ`å^•~°∞Å∞ qxÜ≥∂yOK«∞H˘#=Åã≤#kQÍ ã¨∂zã¨∞Î<åfl=Ú. D „H˜O^Œ =∞~°}˜Oz# MÏ`å^•~°∞ʼnõΩ PMJJBY & PMSBY „H˜O^Œ ~°∂. 2.00 ÅHõΔÅ "≥Ú`«ÎO "åi "å~°ã¨∞ʼnõΩ JO^Œ*ËÜ«∞<≥·#k. 1. QÆ_»¤g∞k <åQÆ~åA PMJJBY áÈK«OѨe¡ 2. `å_»∞Ê#∂i N^èŒ~ü Q“_£ PMJJBY áÈK«OѨe¡ 3. ÉËu Ѩ^Œ‡ PMJJBY áÈK«OѨe¡ 4. ÉËu Ѩ^Œ‡ PMSBY áÈK«OѨe¡ 5. ‰õÄã¨∞‰õΩO@¡ J#∂+¨ PMJJBY áÈK«OѨe¡ 6. z\˜ì=∞Å¡ L¿ÑO^Œ~ü PMJJBY áÈK«OѨe¡ 7. ‰õΩOÉèíO ~°"Õ∞âò PMSBY ^Õ=~°H˘O_» 27. „Ѩ=∂^Œ c=∂ ™œY~°º=Ú Accidental Insurance : ÉϺO‰õΩÖ’ ~°∂. 1000–00 =∞iÜ«Ú PÃÑ·# "å\Ï^Œ#=Ú L#fl ã¨Éèí∞ºÅ‰õΩ Lz`« „Ѩ=∂^èŒ c=∂ ™œY~°º=Ú, #∂º WO_çÜ«∂ W#∂ûÔ~<£û, #Å¡Q˘O_» ^•fi~å HõeÊOK«<≥·#k. J^Õq^èŒOQÍ ¿ãqOQ∑û MÏ`å^•~°∞ʼnõΩ ~°∂. 40–00Å „Ñ‘q∞Ü«∞=Ú ÃÑ· ~°∂. 1,00,000–00 Å „Ѩ=∂^Œ c=∂ ™œY~°º=Ú #∂º WO_çÜ«∂ W#∂ûÔ~<£û, #Å¡Q˘O_» ^•fi~å HõeÊOK«<≥·#k. „Ѩ=∂^Œ=âß`«∞Î =∞~°}˜Oz# ã¨Éèí∞ºÅ‰õΩ „Ѩ=∂^Œ cè=∂ "≥Ú`«ÎO "åi ‰õΩ@∞O| ã¨Éèí∞ºÅ‰õΩ JO^Œ*ËÜ«∞_»=Ú [~°∞QÆ∞K«∞#flk. 2017-18 ã¨O=`«û~°=ÚÖ’ D „H˜Ok MÏ`å^•~°∞Å∞ „Ѩ=∂^Œ=âß`«∞Î =∞~°}˜Oz<å~°∞. „Hõ.ã¨O. ¿Ñ~°∞ „ÉÏOp "≥Ú`«ÎO 1. "≥ÚyeáêHõ Ãã·^Œ∞Å∞ áÈK«OѨe¡ 1,00,000–00 2. K≥~°∞‰õΩ ÅHõΔ‡Ü«∞º áÈK«OѨe¡ 1,00,000–00 10 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 3. W@"≥∂x ™êfiq∞ áÈK«OѨe¡ 1,00,000–00 4. ˆ~"≥e¡ ÃÑO@Ü«∞º áÈK«OѨe¡ 1,00,000–00 5. ã≤OQÆO #iûOÇ¨Ï KÒ@∞ѨÊÖò 1,00,000–00 6. ~åáÈÅ∞ N#∞ KÒ@∞ѨÊÖò 1,00,000–00 7. cè#"≥∂x #ˆ~âò KÒ@∞ѨÊÖò 1,00,000–00 8. Hõà‹§O ~åA KÒ@∞ѨÊÖò 1,00,000–00 9. ã¨Ü«∞º^£ Jb KÒ@∞ѨÊÖò 1,00,000–00 10. |`«∞ÎÅ „HÍOu ‰õΩ=∂~ü KÒ@∞ѨÊÖò 1,00,000–00 11. J#∞=ÚÅ ~å=ÚÅ∞ KÒ@∞ѨÊÖò 1,00,000–00 12. ‰õΩOÉèíO ~°"Õ∞+π ^Õ=~°H˘O_» 1,00,000–00 13. Hõ`«∞ÎÅ Ü«∂^ŒÜ«∞º #Å¡Q˘O_» 1,00,000–00 14. Ѩy_ç=∞„i âıY~ü #Å¡Q˘O_» 1,00,000–00 15. ‰õΩOÉèíO Ü«∂^ŒÜ«∞º #Å¡Q˘O_» 1,00,000–00 gi "å~°ã¨∞ʼnõΩ „Ѩ=∂^Œ c=∂ K≥‰õΩ¯ JO^Œ*ËÜ«∞<≥·#k. WO^Œ∞‰õΩ ã¨Ç¨ÏHõiOK«∞K«∞#fl #∂º WO_çÜ«∂ W#∂ûÔ~<£û, #Å¡Q˘O_» "åiH˜ Hõ$`«[˝`«Å∞ `≥eÜ«∞*Ëã¨∞Î<åfl=Ú. 28. ã¨Éò Hõq∞\©Å∞ Sub Committees : ÉϺO‰õΩ x~åfiǨÏ} „Hõ=∞=ÚQÍ [~°∞ѨÙ@‰õΩ D „H˜Ok ã¨Éò Hõq∞\˜Å∞ U~°Êiz ÉϺO‰õΩ ÖÏ"å^ÕgÅ∞ ã¨g∞H˜ΔOK«_»O [~°∞QÆ∞`«∞Ok. 1. qx=∞Ü«∞=ÚÅ Hõq∞\˜ (U„Ѷ≤Öò–2017 #∞O_ç 12 ã¨=∂"Õâ◊=ÚÅ∞ [iy#q) 2. JѨÙÊ ^Œ~°MÏã¨∞ΊѨijÅ# Hõq∞\˜ (U„Ѷ≤Öò–2017 #∞O_ç 12 ã¨=∂"Õâ◊=ÚÅ∞ [iy#q) 3. P_ç\ò Hõq∞\˜ (U„Ѷ≤Öò–2017 #∞O_ç 12 ã¨=∂"Õâ◊=ÚÅ∞ [iy#q) 4. ALCO Hõq∞\˜ (U„Ѷ≤Öò–2017 #∞O_ç 12 ã¨=∂"Õâ◊=ÚÅ∞ [iy#q) 29. _çq_≥O_£ Dividend : QÆ_çz# 18 ã¨O=`«û~åÅ∞QÍ ã¨Éèí∞ºÅ‰õΩ `«=∞ "å\Ï^èŒ#=ÚÃÑ· _çq_≥O_£ „ѨHõ\˜Oz K≥e¡ã¨∞Î<åfl=Ú. 2016-17 ã¨O=`«û~°=Ú#‰õΩ 14% _çq_≥O_£ „ѨHõ\˜OK«<≥·#k. D ã¨O=`«û~°O ‰õÄ_® 14% K≥e¡OK«∞@‰õΩ áêÅHõ=~°æO „ѨuáêkOK«<≥·#k. nxx ã¨Éèí∞ºÅ∞ P"≥∂kOK«=Åã≤#kQÍ HÀ~°∞K«∞<åfl=Ú. 30. UTI TSL Service Agent (PAN service centre) : UTI TSL "å~°∞ PAN CARD ã¨sfiã¨∞ U*ˇhû ^•fi~å =∞# ÉϺO‰õΩ‰õΩ âßYÅ∞ L#fl „Ѩ^Õâ◊=Ú #∞O_ç ˆH=ÅO ~°∂. 120–00 ňH PAN CARD #∞ =∞# ÉϺO‰õΩ „ÉÏOpÅ #∞O_ç á⁄O^Õ J=HÍâ◊O HõÅ^Œ∞. Z=Ô~·<å PAN CARD HÍ=ã≤#"å~°∞ ÉϺO‰õΩ Ñ¨x"Õà◊Ö’ ã¨O„ѨkOK«QÆÅ~°∞. 31. ѨÙ~°™ê¯~åÅ∞ / Awards : ÉϺOH˜OQ∑ „áêO\˜Ü«∞~üû =ÚOÉÏ~Ú "å~°∞ „Ѩu ã¨OII~°O „Ѩuëêì`«‡HõOQÍ =∞OAi KÕ¿ã *ÏfÜ«∞ J"å~°∞¤Ö’ 2016–17 ã¨OII~°O#‰õΩ =∞# ÉϺO‰õΩ 2 *ÏfÜ«∞ J"å~°∞¤Å#∞ Q˘Å∞á⁄Ok#k. 1. FCBA-2017 Best CEO Award 2. FCBA-2017 Best NPA Management 3. ÉϺOHÀ–2017 J"å~°∞¤Ö’ 101 HÀ@¡ #∞O_ç 175 HÀ@¡ "åºáê~° ˆH@yiÖ’ "≥Ú^Œ\˜ |Ǩï=∞u ÔQÅ∞á⁄O^Œ<≥·#k. 11 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18

32. Depositor Education and Awareness Fund (DEAF) : RBI x|O^èŒ#Å „ѨHÍ~°O 10 ã¨O=`«û~åÅ∞QÍ ÖÏ"å^ÕgÅ∞ ÖËx MÏ`åÅ xÅfi "≥Ú`«ÎO RBI "åi DEAF MÏ`åÖ’ [=∞KÕÜ«∞=ÅÜ«Ú#∞. `Õk : 31–03–2018 <å\˜H˜ ÉϺO‰õΩ 231 MÏ`åÅ "≥Ú`«ÎO ~°∂. 89,951–00 "≥Ú`«ÎO DEAF MÏ`å‰õΩ |kb KÕÜ«∞<≥·#k. HÍ=Ù# ã¨Éèí∞ºÅ∞/MÏ`å^•~°∞Å∞ „Hõ=∞O `«Ñ¨Ê‰õΩO_® g∞ Ü≥ÚHõ¯ MÏ`åÖ’ ÖÏ"å^ÕgÅ∞ [~°∞ѨQÆÅ~°x HÀ~°∞K«∞<åfl=Ú. 33. Pã¨~å =∞iÜ«Ú HõàϺ} ÅH©Δ‡ Ѩ^äŒ=ÚÅ∞ : `≥ÅOQÍ} „ѨÉèí∞`«fiO „Ѩuëêª`«‡HõOQÍ JOkOKÕ Pã¨~å ÃÑ#¬#∞¡ =∞iÜ«Ú HõàϺ} ÅH©Δ‡ 㑯=ÚʼnõΩ =∞# áÈK«OѨe¡ ÉϺO‰õΩ MÏ`å <≥O|~°∞¡ J#∞=∞uã¨∞Î<åfl~°∞. D ã¨^Œ∞áêÜ«∞=Ú#∞ MÏ`å^•~°∞Å∞ ã¨kfixÜ≥∂QÆ Ñ¨~°∞K«∞HÀQÆÅ~°x HÀ~°∞K«∞<åfl=Ú. 34. „QÍ@∞º\˜ bÑπ Z<£ Hͺ+π"≥∞O\ò Gratuity & Leave an Cashment Policy : Öˇ·Ñ¶π W#∂ûÔ~<£û HõOѨh (LIC) ^•fi~å L^ÀºQÆã¨∞ÎʼnõΩ „QÍ@∞º\© =∞iÜ«Ú b"£ Z<£ Hͺ+π"≥∞O\ò ã¨^Œ∞áêÜ«∞=Ú HõeÊOK«∞@ [~°∞QÆ∞K«∞#flk. WѨÊ\˜ =~°‰õΩ D áêÅã‘Ö’ ~°∂. 18.97 ÅHõΔÅ∞ =∞iÜ«Ú ~°∂. 17.69 ÅHõΔÅ∞ ÃÑ@∞ì|_çQÍ [=∞KÕÜ«Ú@ [iy#k. 35. „ÉÏOpÅ W<£ÃãÊHõΔ<£ Branch Inspection : „Ѩã¨∞Î`«=Ú =∞# ÉϺO‰õΩ 7 „ÉÏOpÅ#∞ HõeyL#flk. D 7 „ÉÏOpŠѨxf~°∞ i[~°∞fi ÉϺO‰õΩ "åi =∂~°æ^Œ~°≈HÍÅ „ѨHÍ~°=Ú ÉϺO‰õΩ ~°∂á⁄OkOz# qq^èŒ áêÅã‘Å∞, x|O^èŒ#Å „ѨHÍ~°=Ú =∞iÜ«Ú W<£Hõ"£∞ \ϺH±û =∞iÜ«Ú W`«~° JkèHÍ~°∞Å∞ *Ïs KÕã≤# =∂~°æ^Œ~°≈HÍʼnõΩ Ö’|_ç ѨxKÕã¨∞Î#flk ÖËxk ^èŒ$=Ѩ~°K«∞HÀ=_»O QÆ∂iÛ 2018–19 Pi÷Hõ ã¨O=`«û~°=Ú #∞O_ç „ÉÏOpÅ `«xd KÕ~ÚOK«_»O [~°∞QÆ∞K«∞#flk. g\˜x P_ç\ò Hõq∞\˜ i=Óº KÕã¨∂Î ÉϺO‰õΩ#∞ Ѩ\˜+¨ì Ѩ~°K«∞@‰õΩ „Ѩܫ∞uflOK«∞K«∞<åfl=Ú. 36. Hõ$`«[˝`«Å∞ Acknowledgements : ÉϺO‰õΩ Jaè$=$kúH˜ ZѨÊ\˜H˜HõѨÙÊ_»∞ ã¨ÅǨÅ∞ JO^Œ*ËÜ«ÚK«∞#fl i[~°∞fi ÉϺO‰õΩ [#~°Öò "Õ∞<Õ[~ü QÍiH˜ =∞iÜ«Ú "åi ã≤|ƒOkH˜ ^èŒ#º"å^Œ=ÚÅ∞ `≥eÜ«∞*Ëã¨∞Î<åfl#∞. ATM, P^•~ü IMPS, CTS, ACH, ECS H˜¡Ü«∞iOQ∑ ™œY~°º=Ú HõeÊOz# NPCI =ÚOÉÏ~Ú "åiH˜ ǨÏ$^ŒÜ«∞ѨÓ~°fiHõ Hõ$`«[˝`«Å∞ `≥eÜ«∞*Ëã¨∞Î<åfl#∞. ÉϺO‰õΩ Ü≥ÚHõ¯ „ѨQÆuH˜ `«y# ã¨∂K«#Å∞, ã¨ÅǨÅ∞ WzÛ#O^Œ∞ʼnõΩ =∞iÜ«Ú K«@ìѨ~°"≥∞ÿ# K«~°ºÅ∞ `«fii`«QÆu# Ѩi+¨¯iOK«∞@‰õΩ ã¨Ç¨ÏHõiOK«∞K«∞#fl ã¨Ç¨ÏHÍ~° ã¨OѶ¨∞=ÚÅ il„ëêì~ü Hõg∞+¨#~ü QÍiH˜, lÖÏ¡ ã¨Ç¨ÏHÍ~° JkèHÍi QÍiH˜, lÖÏ¡ ã¨Ç¨ÏHÍ~° P_ç\ò JkèHÍi QÍiH˜, ã¨Éò _çq[#Öò HÀ–PѨˆ~\˜"£ PѶ‘ã¨~ü QÍiH˜ Éèí∞=#yi QÍ~°¡‰õΩ Hõ$`«[˝`«Å∞ `≥eÜ«∞*Ëã¨∞Î<åfl#∞. J~°ƒ<£ ÉϺOH˜OQ∑ =º=ã¨÷Ö’ U~°Ê_»∞K«∞#fl ã¨=∞㨺ŠѨiëê¯~åxH˜ Hõ$+≤ KÕã¨∂Î =∞iÜ«Ú ã≤|ƒOkH˜ tHõΔ} `«~°QÆ`«∞Å∞ U~åÊ@∞ KÕã≤ "åix xëê‚`«∞Å∞QÍ fiÛk^Œ∞Ì`«∞#fl `≥ÅOQÍ} ~å„+¨ì J~°ƒ<£ ÉϺO‰õΩÅ ÃѶ_»ˆ~+¨<£ HÍ~°º=~åæxH˜ ǨÏ$^ŒÜ«∞ѨÓ~°fiHõ Hõ$`«[˝`«Å∞. ÉϺO‰õΩ CBS ™êѶπì "Õ~ü JO^Œ*Ëã≤# BSG IT SOFT PVT LTD, Mumbai "åiH˜ ATM ã≤fiKü ™œHõ~°º=Ú JO^Œ*Ëã≤# ã¨~°fi„`å >ˇHÍflÅr, ѨÓ}ˇ "åiH˜, P<£Öˇ·<£ ÉϺOH˜OQ∑ ™œY~°º=Ú HõÅ∞QÆ*Ëã≤# YES BANK, HDFC, KOTAK, AXIS, IDBI ÉϺO‰õΩ "åiH˜ =∞iÜ«Ú SBI, PO„^è• ÉϺO‰õΩ, ÔH#~å ÉϺO‰õΩ, ÉϺOH± PѶπ WO_çÜ«∂ "åiH˜ =∂ ǨÏ$^ŒÜ«∞ѨÓ~°fiHõ Hõ$`«[˝`«Å∞. ÉϺO‰õΩ ã≤|ƒOk Jxfl ã¨=∞Ü«∞=ÚÅÖ’ áêÅHõ=~°æ=Ú#‰õΩ =∞iÜ«Ú MÏ`å^•~°∞ʼnõΩ ã¨Ç¨ÏHõiOz ÉϺO‰õΩ Ñ¨Ù~Àaè=$kúÔH· `À_»Ê_»∞K«∞#flO^Œ∞ʼnõΩ "åiH˜ „Ѩ`ÕºHõ Jaè#O^Œ#Å∞. áêÅHõ=~°æ ѨHõΔ=Ú# ã‘`« Nx"åãπ pѶπ Zy˚‰õĺ\˜"£ PѶ‘ã¨~ü 12 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 AUDITORS REPORT To THE MEMBERS,

1. I have audited the attached Balance-Sheet of Pochampally Co-op. Urban Bank Ltd., as on 31st March 2018 and the profit and loss account annexed there to for the year ended on that date. These financial statements are the responsibility of the bank’s Management. My responsibility is to express on opinion on the financial statements based on my audit. 2. I have conducted the audit in accordance with the auditing standards generally accepted in . Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial-statements are free of material misstatement. An Audit includes examining, on a test-basis, evidence supporting the accounts and dis-closures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by the management, as well as evaluating the over-all financial statement presentation. We believe that our audit provides a reasonable basis for my opinion. 3. The Balance Sheet and the Profit and Loss account have been drawn up in forms “A” and “B” respectively of the third schedule to the banking regulation Act, 1949. 4. Subject to the limitations of the audit indicated in Para 1 and 2 above and also subject to the effect of the items mentioned in notes on accounts (Attached here- with).

I report that:

A) In my opinion and to the best of my information and according to the explana- tions given to us and as shown by the books of the Bank, read with notes on accounts and accounting principles generally accepted in India. i) The Balance sheet is a full and fair Balance Sheet containing the necessary particulars, and is properly drawn up so as to exhibit a true and fair view of the affairs of the Bank as on 31st March, 2018 and B) I have obtained all the information and explanations, which to the best of my knowledge and belief were necessary for the purpose of my audit and have found them to be satisfactory.

Sd/- PLACE: POCHAMPALLY CA. BANDARU SRINATH, FCA DATE: 10.07.2018 CHATERED ACCOUNTANT 13 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18

CA.BANDARU SRINATH, FCA., CHARTERED ACCOUNTANT CHOUTUPPAL AUDIT CERTIFICATE Date: 10-07-2018 The Audit Certificate has been issued by Sri BANDARU SRINATH, Chartered Accountant in the light of provisions contained is Section 50(1) of T.S.C.S. Act on the accounts of the POCHAMPALLY CO-OP. URBAN BANK LTD., Pochampally Regd.No.1227/TH for the Co-operative Year 2017-2018. 2. The Final Audit Report containing following account is submitted by the above Chartered Accountant Sri. Bandaru Srinath. 1. The statement of Receipts and Payments. 2. The Profit and Loss Account. 3. Trading Account. (Not Applicable) 4. The Balance Sheet as on 31.03.2018. 3. The due/over position of the accounts under due to the Society and due by the Society as furnished by the Chartered Accountant is given here under: S.No Details of Accounts Amount S.No Details of Accounts Amount I Members & Govt. Investments : I Bank’s Investments a. Share Capital 3.72.39.600.00 a. Shares Invested 5,000-00 b. Savings of Members 25,88,30,523.51 b. Deposits in Banks 2,00,81,971.57 c. Thrift of Members 0.00 c. Govt. Securities 16,62,67,340.06 d. Other Deposits 53,42,15,022.73 d. Other Securities 0.00 e. Govt. Share Capital — e. Cash at Banks 6,45,42,826.19 II BORROWING II LENDINGS a. Bank Loans due — a. Loans due 50,75,34,705.85 b. Interest due — b. Interest due 43,80,406.00 c. Govt. Loans due — c. Overdue Int. due — d. Interest due to Govt. — d. Suspense due to 8,44,000.00 e. Suspense due — III Adj. Heads “Due by” III Adj. Heads “Due to” a. Sundry Creditors 2.12.619.02 a. Sundry Debtors 0.00 IV Other Liabilities IV Other Assets a. Demand Drafts 21.74.991.00 a. Cash in Hand 7,53,89,785.00 b. Unclaimed Dividend 6.21.596.00 b. Building Account 8,19,950.00 4. The certificate of verification of cash balance as on the date of visit of the auditor is enclosed to the Final Audit Report. 5. The year of the audit is the 21st year of functioning of the Society. 6. The Membership of the Bank at the end of the year was (6471) as against the total membership of the Bank (6171) at the beginning of the year. Thus there is an increase in the membership of the bank. 7. The Share Capital of the bank at the end of the year was Rs.372.40 lakhs as against the Share Capital of Rs.357.92 lakhs at the beginning of the year. Thus there is an increase in the Share Capital of the Bank. 8. The Audit objections of the previous year’s audit were rectified. The Chief Executive Officer of the bank should rectify the defects and submit the rectification report to the Auditor within the statutory limits. 9. The Bank has earmarked 1% of gross profit/gross income towards Education Fund of the bank amounting to Rs.94,682.00 10. The Bank has earmarked any interest over the Share Capital of the members for an amount of Rs. NIL. Since the bank has declared dividend @ 14% so the interest on share capital is not earmarked. 11. The Total overdue of the bank stood at 2.78% as against the total overdue stood at 2.98% of last year. Thus there is decrease in the level of over dues. Particularly in Gold Loan overdue are 1.92% 12. The Total NPA Provision made up to the end of the year for Rs.52.13 lakhs as Rs.46.47 lakhs made at the beginning of the year. Thus the Bank has created Provision to NPA for this year. 13. The total outstanding at the end of the year under Adjusting heads Due to is Rs.8,44,000.00 as against an amount of Rs.NIL at the beginning of the year. 14. The bank earned a Net Profit of Rs. 94,68,221.02 during the year. 15. The Net profit of Rs. 94,68,221.02 earned by the bank by the Society during the year is appropriated as follows in compliance with the provisions of the Act and Rules. a) 25% of the net profit to Reserve Fund. Rs. 23,67,055.26 b) The remaining balance of the net profit may be appropriated in accordance with the provisions of the Act and Rules and Byelaws of the bank. 16. The Amounts outstanding at the end of the year as against the amounts at the beginning of the year in different accounts is furnished hereunder: S.No PARTICULARS Reserve fund Audit Fund Coop. Edn.Fund 1 At the beginning of the year 1,04,11,202.79 —- 3,07,767.00 2 Paid/transferred during the year — — 83,856.00 3 Total 1,04,11,202.79 —- 3,91,623.00 4 Charged during the year 20,99,431.00 —- -25,157.00 5 Payable at the end of the year 1,25,10,633.79 —- 3,66,466.00 17. The Bank is placed under class “A” during the year under audit and the classification Memorandum is enclosed to the Final Audit Report.

To Sd/- The Chief Executive Officer, Pochampally Co-op. Urban Bank Ltd., Pochampally. CA. BANDARU SRINATH, FCA., Copy Submitted to the District Co-op. Audit Officer, Yadadri-Bhongir Chartered Accountant Copy to the District Co-op. Officer, BHONGIR. Choutuppal Copy to the Reserve Bank of India, . 14 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 POCHAMPALLY CO-OP. URBAN BANK LTD. Receipts & Payments for the Period from 01-04-2017 to 31-03-2018

Sl.No PARTICULARS RECEIPTS PAYMENTS

I Share Capital "å\Ï^èŒ#=Ú Members Capital ã¨Éèí∞ºÅ "å\Ï^èŒ#=Ú 3,91,67,695.00 3,77,20,070.00 II Reserves & Provisions i[~°∞fiÅ∞ =∞iÜ«Ú x^èŒ∞Å∞ 1 Statutory Reserve ˆHΔ=∞xkè 14,607,034.79 12,507,603.79 2 General Reserve [#~°Öò i[~°∞fi 559,029.00 441,847.00 3 Education Fund q^•º xkè 475,479.00 416,780.00 4 Other Funds & Reserves W`«~° x^èŒ∞Å∞ „á⁄q[#∞¡ 15,683,139.93 10,110,734.12 5 Undistributed Profit ѨOK«|_»x ÖÏÉèí=Ú 14,773,138.73 14,773,138.73 6 Gratuity Fund „QÍ@∞º\© Ѷ¨O_£ 1,896,919.00 1,000,529.00 III Deposits _çáêl@∞¡ 1 CASA Deposits ã¨fiÅÊHÍeHõ _çáêl@∞¡ 6,977,113,182.30 6,988,067,561.54 2 Term Deposits n~°…HÍeHõ _çáêl@∞¡ 371,367,475.82 306,773,381.33 IV Other Liabilities W`«~° JѨÙÊÅ∞ 1 Sundry Creditors K≥e¡Oz=Åã≤# J<å=∞`«∞ 148,253,100.00 148,252,148.00 2 Dividend _çq_≥O_£ 4,993,296.00 5,050,805.00 3 DD’s Bc's Payable _ç=∂O_£ „_®Ñ¨ÙìÅ∞, ÉϺOHõ~üû K≥H± 115,848,426.61 109,134,875.61 4 PF Commissioner Ñ≤.ZѶπ. Hõg∞+¨#~ü 2,590,216.00 2,555,562.00 5 Interest Payable on Deposits _çáêl@¡ÃÑ· K≥e¡OK«=Åã≤# =_ç¤ 66,941,467.42 68,335,100.17 6 Bonus Payable K≥e¡OK«=Åã≤# É’#ãπ 1,439,435.00 1,124,694.00 7 TDS Payable K≥e¡OK«=Åã≤# TDS 1,846,494.68 1,839,886.68 8 Share Suspence "å\Ï^èŒ# J<å=∞`«∞ 2,434,425.00 2,325,925.00 9 Int Payable to HO / Branch „ÉÏOzH˜ K≥e¡OK«=Åã≤# =_ô¤ 5,628,025.00 5,628,025.00 10 PMJJY / PMSBY 522,220.00 522,220.00 11 Other Liabilities / W`«~° JѨÙÊÅ∞ 9,587,587.26 7,273,889.02 V Current A/c’s with Banks W`«~° ÉϺO‰õΩÅ`À ÖÏ"å^ÕgÅ∞ 36,979,052,860.96 37,015,226,761.40 VI Loans & Advances JѨÙÊÅ∞ a) Short Term Loans ã¨fiÅÊHÍeHõ |∞∞}ÏÅ∞ 1,489,021,517.37 1,531,948,144.71

Sd/- Sd/- Sd/- Sd/- S. Srinivas Surepally Ramesh Chittipolu Srinivas CA Bandaru Srinath, FCA C.E.O. Vice Chairman Chairman Chartered Accountant 15 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18

Sl.No PARTICULARS RECEIPTS PAYMENTS b) Medium & Long Term Loans =∞^茺HÍeHõ =∞iÜ«Ú n~°…HÍeHõ |∞∞}ÏÅ∞ 106,337,231.02 137,064,367.25

VII Investments qx=∞Ü«∞=ÚÅ∞ 1 With Other Banks W`«~° ÉϺO‰õΩÅÖ’ qx=∞Ü«∞=ÚÅ∞ 256,364,481.57 232,885,508.57 2 In Govt. Securities & T.Bills QÆ=~°fl"≥∞O\ò Ãã‰õĺi\©Å∞ „>ˇ[s aÅ∞¡ÅÖ’ 331,148,308.06 271,180,384.06 3 RF Investments i[~°∞fi Ѷ¨O_£ =∞iÜ«Ú W`«~° x^èŒ∞Å 12,842,735.00 13,105,989.00 4 Call Money & UTI MFS HÍÖò =∞h Ü«Ú.\˜.S. eH˜fi_£ Ѷ¨O_£ 1,630,000,000.00 1,620,000,000.00

VIII Other Assets W`«~° Pã¨∞÷Å∞ 1 Int. Recble on Loans & Investmts JѨÙÊÅ∞ qx=∞Ü«∞=ÚÅÃÑ· ~å=Åã≤# =_ç¤ 10,383,761.00 9,813,688.10 2 Fixed & other Assets ã≤÷~° W`«~° Pã¨∞÷Å∞ 26,129,361.17 32,764,654.62 3 Branch Adjustments „ÉÏOz ã¨~°∞ÌÉÏ@∞¡ 34,986,676,818.75 34,986,676,818.75

IX Profit & Loss A/c. ÖÏÉèí #ëêìÅ∞ 1 Int. Paid on Deposits _çáêl@¡ÃÑ· K≥e¡Oz# =_ç¤ 28,084,121.56 74,652,405.37 2 Int. Rcvd on Loans JѨÙÊÅÃÑ· =ã¨∂Öˇ·# =_ç¤ 62,969,398.70 266,507.00 3 Int. Rcvd on Investments qx=∞Ü«∞=ÚÅÃÑ· =zÛ# =_ç¤ 18,873,253.76 3,983,870.39 4 Profit & Loss A/c.ÖÏÉèí #ëêìÅ MÏ`å 32,525,570.97 45,065,095.02 5 Salaries "Õ`«#=ÚÅ∞ 416.00 10,864,705.00 6 Income Tax P^•Ü«∞ Ѩ#∞fl 158,188.00 6,695,640.00 7 ATM Transactions Z.\˜.ZO. ÖÏ"å^ÕgÅ∞ 6,516,702,699.78 6,533,144,450.98

Total "≥Ú`«Î=Ú 90,282,998,510.21 90,249,193,766.21 Opening Balance „áê~°OÉèí xÅfi 20,951,041.00 - Closing Balance =ÚyOѨ٠xÅfi - 54,755,785.00 Grand Total "≥Ú`«Î=Ú 90,303,949,551.21 90,303,949,551.21

Sd/- Sd/- Sd/- Sd/- S. Srinivas Surepally Ramesh Chittipolu Srinivas CA Bandaru Srinath, FCA C.E.O. Vice Chairman Chairman Chartered Accountant 16 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 POCHAMPALLY CO-OP. URBAN BANK LTD. BALANCE SHEET AS ON 31-03-2018 Sl. Scdl. LIABILITIES 31-03-2018 31-03-2017 No No. I Share Capital "å\Ï^èŒ#=Ú 1 Members Capital ã¨Éèí∞ºÅ "å\Ï^èŒ#=Ú 3,72,39,600.00 3,57,91,975.00 II i[~°∞fiÅ∞ =∞iÜ«Ú x^èŒ∞Å∞ Reserves & Provisions 2 1 Reserve fund ˆHΔ=∞xkè 1,25,10,633.79 1,04,11,202.79 2 Building fund Éèí=#Ѩ٠xkè 62,45,492.90 42,12,240.09 3 General Reserve [#~°Öò i[~°∞fi 5,59,029.00 4,41,847.00 4 Education Fund q^•º xkè 3,66,466.00 3,07,767.00 5 Common Good fund HÍ=∞<£ QÆ∞_£ Ѷ¨O_£ 98,951.91 98,951-91 6 Investment Flu. Reserve qx=∞Ü«∞=ÚÅ ÃÇÏK«∞Û`«QÆ∞æÅ xkè 4,10,000.00 4,10,000.00 7 Gratuity fund „QÍ@∞º\˜ Ѷ¨O_£ 18,96,919.00 10,00,529.00 III Deposits _çáêl@∞¡ 3 1 CASA Deposits ã¨fiÅÊHÍeHõ _çáêl@∞¡ 33,02,90,781.95 34,12,45,161.19 2 Term Deposits n~°…HÍeHõ _çáêl@∞¡ 46,27,54,764.29 39,71,39,540.00 IV IMPS & POS Transaction 4 39,47,049.78 15,91,750.98 V Borrowing JѨÙÊÅ∞ 5 0.00 0.00 VI Branch Adjestments „ÉÏOpÅ ã¨~°∞ÌÉÏ@∞¡ 6 1.00 0.00 VII Other Liabilities & Provisions W`«~° JѨÙÊÅ∞ x^èŒ∞Å∞ 7 1 Dividend Payable K≥e¡OK«=Åã≤# _çq_≥O_£ 6,21,596.00 6,79,105.00 2 DD/BC’s Payable _ç=∂O_£ „_®Ñ¨ÙìÅ∞ ÉϺOHõ~üû K≥‰õΩ¯Å∞ 1,19,20,704.00 39,54,674.00 3 Sundry Creditors K≥e¡OK«=Åã≤# J<å=∞`«∞ 2,12,619.02 2,11,667.02 4 PF Commissioner Ñ≤.ZѶπ. Hõg∞+¨#~ü 2,05,868.00 1,71,214.00 5 Interest Payable on Deposits _çáêl@¡ÃÑ· K≥e¡OK«=Åã≤# =_ç¤ 24,58,541.76 38,52,174.51 6 Tax Payable K≥e¡OK«=Åã≤# P^•Ü«∞Ѩ٠Ѩ#∞fl 0.00 4,28,228.00 7 Bonus Payable K≥e¡OK«=Åã≤# É’#ãπ 14,39,435.00 11,24,694.00 8 TDS Payable W`«~° JѨÙÊÅ∞ 1,72,362.68 1,65,754.68 9 BDDR i[~°∞fi 31,62,308.82 31,18,398.82 10Standard Assets Provn „áê=∂}˜Hõ Pã¨∞÷ÅÃÑ· xkè 20,27,199.00 15,28,382.00 11Over Due Int. Reserve "å~Ú^•g∞i# =_ô¤ xkè 1,50,503.00 1,23,022.00 12Membership Welfare Fund ã¨Éèí∞ºÅ ˆHΔ=∞ xkè 3,17,453.49 3,17,453.49 13Inoperative Account Balance 89,951.00 89,951.00 14Share Suspence "å\Ï^èŒ# J<å=∞`«∞ 2,87,375.00 1,78,875.00 15Leave Enchashment Fund 17,68,945.00 0.00 16 Dep. Reserves on Govt. Securities QÆ=~°fl"≥∞O\ò Ãã‰õĺi\©ãπ ÃÑ· `«~°∞QÆ∞^ŒÅ xkè 12,00,000.00 0.00 17 W`«~° JѨÙÊÅ∞ Other Liabilities 14,90,029.24 0.00 Total "≥Ú`«Î=Ú 88,38,44,580.63 80,85,94,558.48 Net Profit xHõ~° ÖÏÉèí=Ú 94,68,221.02 83,85,604.81 Grand Total "≥Ú`«Î=Ú 89,33,12,801.65 81,69,80,163.29

Sd/- Sd/- Sd/- Sd/- S. Srinivas Surepally Ramesh Chittipolu Srinivas CA Bandaru Srinath, FCA C.E.O. Vice Chairman Chairman Chartered Accountant 17 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 POCHAMPALLY CO-OP. URBAN BANK LTD. BALANCE SHEET AS ON 31-03-2018 Sl. Scdl. ASSETS 31-03-2018 31-03-2017 No No. I Cash on Hand #QÆ^Œ∞ xÅfi 8 7,53,89,785.00 2,58,53,941.00 II Balances with other Banks W`«~° ÉϺO‰õΩ HõÔ~O\ò MÏ`åÅÖ’ xÅfi 9 6,45,42,826.19 2,83,68,924.94 III ATM Transaction 10 1,67,06,550.00 1,36,40,600.00 IV Investments qx=∞Ü«∞=ÚÅ∞ 11 1 SLR qx=∞Ü«∞=ÚÅ∞ 16,62,67,340.06 22,62,35,264.06 2 NON-SLR qx=∞Ü«∞=ÚÅ∞ 3,19,70,807.57 6,51,86,526.57 V Loans & Advances JѨÙÊÅ∞ 12 1 Discounting _ç._ç.Å∞, K≥‰õΩ¯Å _癜¯O\˜OQ∑ 8,000.00 35,000.00 2 Gold Loans |OQÍ~°∞ #QÆÅ `åHõ@∞ìÃÑ· 16,63,68,064.76 14,22,70,077.00 3 Loans on Deposits _çáêl@¡ÃÑ· 1,75,50,784.00 96,74,531.00 4 Postal Certificates áÈã¨ìÖò ã¨iìѶ≤ˆH@¡ÃÑ· 4,71,652.00 9,47,725.00 5 Vehicle Loans "åǨÏ# JѨÙÊÅ∞ 1,00,16,621.29 1,76,90,427.00 6 Personal Loans =ºH˜ÎQÆ`« JѨÙÊÅ∞ 94,89,676.00 70,21,330.00 7 Consumer Durables qx=∞Ü«∞ =ã¨∞Î=ÙʼnõΩ 39,090.00 42,740.00 8 Loans to Artisans KÕu=$`«∞ÎÅ "åiH˜ 38,152.00 70,082.00 9 Crop Loans ѨO@ JѨÙÊÅ∞ 51,24,376.00 48,63,839.00 10 Medium term agri loans =∞^茺HÍeHõ =º=™êÜ«∞ |∞∞}ÏÅ∞ 3,58,588.00 5,53,361.00 11 Over Draft F=~ü „_®Ñπì 12,17,30,514.74 10,23,75,218.34 12 OD on Deposits _çáêl@¡ÃÑ· F=~ü „_®Ñπì 21,72,279.33 5,94,261.00 13 Cash Credit Hͺ+π „ÔH_ç\ò 5,97,498.10 19,38,234.45 14 Festival Advances ѨO_»QÆ JѨÙÊÅ∞ 1,53,653.00 1,30,000.00 15 Small Business loans z~°∞"åºáê~°∞Å |∞∞}ÏÅ∞ 1,53,03,984.66 1,88,49,346.00 16 Housing Loans ǨÏ∫lOQ∑ |∞∞}ÏÅ∞ 6,85,16,336.53 5,35,96,917.50 17 Loans on LIC Ѩ\ÏìÅÃÑ· |∞∞}ÏÅ∞ 21,13,077.00 19,74,244.00 18 Mortgage Loans =∂iìˆQ*ò |∞∞}ÏÅ∞ 4,16,32,261.90 3,51,51,167.00 19 Education Loans q^•º |∞∞}ÏÅ∞ 68,28,398.09 46,10,578.00 20 Commercial Vehicle Loans "å}˜[º "åǨÏ# |∞∞}ÏÅ∞ 1,13,87,148.45 1,13,27,601.00 21 Business Establishment Loans "åºáê~° ™ê÷Ѩ# |∞∞}ÏÅ∞ 2,69,65,271.00 1,83,02,968.00 22 Small Scale Industries z#fl Ѩi„â◊=∞Å |∞∞}ÏÅ∞ 6,69,279.00 8,40,275.00 VI Assets Pã¨∞÷Å∞ 13 1 Building Éèí=#=Ú 8,19,950.00 9,11,056.00 2 Furniture & Fittings, Computers, Vehicles Ѷ¨iflK«~ü Ѷ≤\˜ìOQ∑û, HõOѨӺ@~°∞¡ W`«~° Pã¨∞÷Å∞ 1,92,27,873.00 1,70,92,555.58 VII Branch Adjestments „ÉÏOpÅ ã¨~°∞ÌÉÏ@∞¡ 14 0.00 0.00 VIII Other Assets W`«~° Pã¨∞÷Å∞ 15 1 Int. Receivable ~å=Åã≤# =_ç¤ 43,80,406.00 49,50,478.90 2 Other Assets W`«~° Pã¨∞÷Å∞ 64,72,557.98 18,80,893.95 "≥Ú`«Î=Ú 89,33,12,801.65 81,69,80,163.29

Sd/- Sd/- Sd/- Sd/- S. Srinivas Surepally Ramesh Chittipolu Srinivas CA Bandaru Srinath, FCA C.E.O. Vice Chairman Chairman Chartered Accountant 18 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 POCHAMPALLY CO-OP. URBAN BANK LTD. PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH 2018

S.No. EXPENDITURE 31-03-2018 31-03-2017 I Interest Paid K≥e¡Oz# =_ç¤ 1 On Deposits _çáêl@¡ÃÑ· 4,65,68,283.81 4,79,72,410.51 2 On Borrowings JѨÙÊÅÃÑ· -- II Staff Salaries & Allowances r`«=ÚÅ∞ =∞iÜ«Ú W`«~° JÖˇ"≥#∞ûÅ∞ 1,21,19,081.00 1,00,68,550.00 III Rent, Taxes & Lighting J^≥Ì Ñ¨#∞flÅ∞ =∞iÜ«Ú Öˇ·\˜OQ∑ 32,16,888.15 25,53,516.00 IV Advertisement „ѨHõ@#Å∞ 1,11,137.00 68,126.00 V Printing, Stationery & Xerox „Ñ≤O\˜OQ∑, ¿ãì+¨#s =∞iÜ«Ú l~åH±û 7,83,564.07 7,38,579.06 VI Depreciation on Assets & G.Secs Pã¨∞÷ÅÃÑ· Ãã‰õĺi\©ÅÃÑ· `«~°∞QÆ∞^ŒÅ 53,98,850.02 37,76,474.00 VII Board Members fees & allowances, áêHõÅ=~°æ ã¨Éèí∞ºÅ Ѷ‘AÅ∞ JÅ"≥#∞ûÅ∞ 7,58,378.00 6,75,226.00 VIII Audit Fees P_ç@~ü Ѷ‘A 4,74,750.00 3,89,070.00 IX Legal Charges <åºÜ«∞ Y~°∞ÛÅ∞ 3,729.00 448.00 X Leased Line Charges, Postage & Telephone b*ò_£ Öˇ·<£ Kås˚Å∞, áÈ¿ãìl, >ˇeá¶È<£ 10,39,833.30 11,56,639.43 XI Repairs & AMC =∞~°=∞‡`«∞ÎÅ∞, HõOѨӺ@~ü Ü«∞O„`åÅ x~åfiǨÏ} Y~°∞ÛÅ∞ 11,07,281.92 11,15,361.25 XII DICGC, Blanket Policy,Insurance, c=∂ 13,00,047.00 10,96,183.00 XIII Commission, Travelling & O.Charges Hõg∞+¨<£, „Ѩܫ∂} Y~°∞ÛÅ∞ =∞iÜ«Ú W`«~° Kås˚Å∞ 2,04,780.32 1,82,890.22 XIV Other Operating Expenses W`«~° x~°fiǨÏ} Y~°∞ÛÅ∞ 73,58,761.08 50,11,220.70 XV NPA x^èŒ∞Å∞ 5,42,727.00 3,27,230.00 Total Expenses "≥Ú`«Î=Ú Y~°∞ÛÅ∞ 8,09,88,091.67 7,51,31,924.17 Profit before tax provision P^•Ü«∞Ѩ٠Ѩ#∞fl K≥e¡OK«Hõ =ÚO^Œ∞ xHõ~° ÖÏÉèí=Ú 1,60,05,673.02 1,14,10,879.81 Grand Total "≥Ú`«Î=Ú 9,69,93,764.69 8,65,42,803.98 Profit before tax provision P^•Ü«∞Ѩ٠Ѩ#∞fl K≥e¡OK«Hõ =ÚO^Œ∞ xHõ~° ÖÏÉèí=Ú 1,60,05,673.02 1,14,10,879.81 (-)Provn for Tax P^•Ü«∞Ѩ٠Ѩ#∞fl 65,37,452.00 30,25,275.00 Net Profit as on March 31 xHõ~° ÖÏÉèí=Ú =∂iÛ, 31 94,68,221.02 83,85,604.81

Sd/- Sd/- Sd/- Sd/- S. Srinivas Surepally Ramesh Chittipolu Srinivas CA Bandaru Srinath, FCA C.E.O. Vice Chairman Chairman Chartered Accountant 19 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 POCHAMPALLY CO-OP. URBAN BANK LTD. PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH 2017

S.NO INCOME 31-03-2018 31-03-2017

I Interest earned Pi˚Oz# =_ç¤ 1 On Loans & Advances JѨÙÊÅÃÑ· 6,27,02,892.70 5,64,32,891.72 2 On Investments qx=∞Ü«∞=ÚÅÃÑ· 1,78,46,808.63 1,92,75,462.00 II Other Income W`«~° P^•Ü«∞=ÚÅ∞ 1 Commission & Charges Hõg∞+¨<£ W`«~° Kås˚Å∞ a) Clearing,DD & Discounting K≥‰õΩ¯Å =ã¨∂Å∞, _癜¯O\˜OQ∑ÃÑ· _ç._ç.ÅÃÑ· 15,07,682.48 18,58,397.89 b) Processing, Cheque Return, Issue & Service charges K≥‰õΩ¯ "åѨã¨∞, ã¨sfiã¨∞ =∞iÜ«Ú JѨÙÊ ^èŒ~°MÏã¨∞Î Kås˚Å∞ 1,33,99,113.43 81,76,587.69 2 W`«~° P^•Ü«∞=Ú a) Printing & Postage Collection „Ñ≤O\˜OQ∑ =∞iÜ«Ú áÈ¿ãìl 1,35,676.38 2,02,547.00 b) Misc. Income W`«~° P^•Ü«∞=Ú 32,333-00 66,358.00 c) Insurance Premium c=∂ „Ñ‘q∞Ü«∞=Ú 3,96,850.86 3,11,675.00 d) Locker Rent ÖÏHõ~ü J^≥Ì 2,64,664.21 2,17,242.18 e) Penalty JѨ~å^Œ ~°∞ã¨∞=Ú 3,114.00 1,642.50 f) Income on Sale of govt Secur Ãã‰õĺi\©Å J=∞‡HõOÃÑ· P^•Ü«∞O 6,67,000.00 0.00 g) Comm on pos machines PO Ü«∞O„`åÅ J=∞‡HõOÃÑ· P^•Ü«∞O 37,629.00 0.00

"≥Ú`«Î=Ú 9,69,93,764.69 8,65,42,803.98

Sd/- Sd/- Sd/- Sd/- S. Srinivas Surepally Ramesh Chittipolu Srinivas CA Bandaru Srinath, FCA C.E.O. Vice Chairman Chairman Chartered Accountant 20 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 q+¨Ü«∞=Ú 2 : 2017–2018 ã¨OII#‰õΩ =∞OEÔ~·# |_≥˚\ò Ѩxf~°∞#∞ ã¨g∞H˜ΔOK«∞@ QÆ∂iÛ. ã¨∂K«# : 2017–2018 ã¨OII#‰õΩ =∞OEÔ~·# |_≥˚\ò Ѩxf~°∞ D „H˜Ok q^èŒ=ÚQÍ HõÅ=Ù. BUDGET PERFORMANCE FOR THE YEAR 2017 - 2018 (In Lakhs)

Sl.No PARTICULARS Budget Actuals Variation 2017-18 2017-2018 I Income P^•Ü«∞=Ú 1 Int. on loans JѨÙÊÅÃÑ· =_ç¤ 785.90 627.03 (-)158.87 2 Int. on Investments qxÜ«∞=ÚÅÃÑ· =_ç¤ 238.94 178.47 (-)60.47 3 Other Income W`«~° P^•Ü«∞=Ú 119.45 164.44 (+)44.99 Total Income 1144.29 969.94 (-)174.35 II Expenditure =ºÜ«∞=Ú 1 Int.paid on deposits & borrowings _çáêl@¡ÃÑ·, JѨÙÊÅÃÑ· K≥e¡Oz# =_ç¤ 635.07 465.68 (-)169.39 2 Salaries, Allowances & consolidated pays r`«=ÚÅ∞ W`«~° JÖˇ"≥#∞ûÅ∞ 161.95 121.19 (-)40.76 3 Rent, Taxes & Lighting J^≥Ì, Ѩ#∞flÅ∞ Öˇ·\˜OQ∑ 35.04 32.16 (-)2.88 4 Advertisement „ѨHõ@#Å∞ 1.50 1.11 (-)0.39 5 Printing, Stationary & Xerox „Ñ≤O\˜OQ∑, ¿ãì+¨#s =∞iÜ«Ú r~åH±û 10.87 7.84 (-)3.03 6 Depreciation on Assets & G.Secs Pã¨∞÷ÅÃÑ· Ãã‰õĺi\©ÅÃÑ· `«~°∞QÆ∞^ŒÅ 45.55 53.99 (+)8.44 7 Board Members fees & allowances, TA áêÅHõ=~°æ ã¨Éèí∞ºÅ Ѷ‘A JÖˇ"≥#∞ûÅ∞ 7.74 7.58 (-)0.16 8 Audit Fees P_ç\ò Ѷ‘A 6.08 4.75 (-)1.33 9 Legal Charges <åºÜ«∞ Y~°∞ÛÅ∞ 1.00 0.04 (-)0.96 10 Leased line Charges, Postage & Telephon b*ò_£ Öˇ·<£ Kås˚Å∞, áÈ¿ãìl >ˇeá¶È<£ 15.12 10.40 (-)4.72 11 Repairs & AMC =∞~°=∞‡`«∞ÎÅ∞ ã¨O=`«û~° x~åfiǨÏ} Y~°∞ÛÅ∞ 17.31 11.07 (-)6.24 12 DICGC, Blanket Policy, Insurance, c=∂ 20.04 13.00 (-)7.04 13 Commission, Travelling & O.Charges Hõg∞+¨<£, „Ѩܫ∂} Y~°∞ÛÅ∞ =∞iÜ«Ú W`«~° Kås˚Å∞ 5.34 2.05 (-)3.29 14 Other Prelimenary Expenses W`«~° Y~°∞ÛÅ∞ 48.27 73.59 (+)25.32 15 NPA Provisions, NPA x^èŒ∞Å∞ 16.55 5.43 (-)11.12 Total 1027.43 809.88 (-)217.55 Profit before Tax Provision 116.86 160.06 (+)43.20 Grand Total 1144.29 969.94 (-)174.35 * 2017–18 |_≥˚\ò HõO>Ë q∞Oz# Y~°∞ÛÅ *Ïa`å WO^Œ∞ "≥O@ [`«Ñ¨~°Û<≥·#k. 21 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 q+¨Ü«∞=Ú 3 : áêÅHõ=~°æ ã¨Éèí∞ºÅ áêÅHõ=~°æ=Ú ã¨=∂"Õâ◊ Ǩ[~°∞ ã¨g∞H˜ΔOK«∞@ QÆ∂iÛ. q=~°} :– `Õk : 01–04–2017 #∞O_ç 31–03–2018 =~°‰õΩ 12 áêÅHõ=~°æ ã¨=∂"Õâ◊=ÚÅ∞ [iy#q. D ã¨=∂"ÕâßʼnõΩ áêÅHõ=~°æ ã¨Éèí∞ºÅ Ǩ[~°∞ =∞Ǩã¨Éèí ã¨=∂Kå~° xq∞`«Î=Ú D „H˜Ok q^èŒ=ÚQÍ HõÅ^Œ∞. „Hõ.ã¨O. ¿Ñ~°∞ Ѩ^Œq ã¨=∂"Õâ◊=ÚÅ ã¨OYº Ǩ[~°∞ ã¨OYº 1 N z\˜ìáÈÅ∞ Nx"åãπ Kè≥·~°‡<£ 12 12 2 N ã¨∂Ô~Ѩe¡ ~°"Õ∞+π "≥·ãπ Kè≥·~°‡<£ 12 12 3 N Éè’QÆ q[Üü∞‰õΩ=∂~ü _≥·Ô~Hõì~ü 12 12 4 N Hõ~åfl\˜ áêO_»∞ _≥·Ô~Hõì~ü 12 12 5 N ÃÑO_≥O ~°Ñ¶¨Ú _≥·Ô~Hõì~ü 12 10 6 N Hõ~åfl\˜ ÉÏÅã¨∞„|=∞}ºO _≥·Ô~Hõì~ü 12 12 7 N QÆ∞O_»∞ =∞^èŒ∞ _≥·Ô~Hõì~ü 12 12 8 N zHõ¯ q+¨μ‚ _≥·Ô~Hõì~ü 12 12 9 N <À=ÚÅ ~°Ñ¶¨Ú _≥·Ô~Hõì~ü 12 10 10 N JO^≥ |ã¨fiÜ«∞º _≥·Ô~Hõì~ü 12 12 11 N ~åáÈÅ∞ "Õ}∞ _≥·Ô~Hõì~ü 12 11 q+¨Ü«∞=Ú 4 : ÉϺO‰õΩ áêÅHõ=~°æ=Ú ÉϺO‰õΩÖ’ ã¨Éèí∞ºÅ∞QÍ KÕ~°∞Û‰õΩ#fl "åi =∞iÜ«Ú ã¨Éèíº`«fiO ~°^Œ∞Ì Ñ¨~°K«∞H˘#fl "åi *Ïa`å#∞ P"≥∂kOK«∞@ QÆ∂iÛ. q=~°} :– 2017–2018 ã¨O=`«û~°=ÚÖ’ ÉϺO‰õΩ Ü≥ÚHõ¯ ã¨Éèíº`«fi q=~°=ÚÅ∞ D „H˜Ok q^èŒ=ÚQÍ HõÅ=Ù. 1. `Õk 31–03–2017 <å\˜ ã¨Éèí∞ºÅ ã¨OYº 6171 2. 2017–2018 ã¨O=`«û~°=ÚÖ’ KÕi# ã¨Éèí∞ºÅ ã¨OYº 297 3. 2017–2018 ã¨O=`«û~°=ÚÖ’ ã¨Éèíº`«fi=Ú ~°^Œ∞ÌѨ~°∞K«∞H˘#fl "åi ã¨OYº 65 4. `Õk 31–03–2018 <å\˜H˜ L#fl ã¨Éèí∞ºÅ ã¨OYº 6403 q+¨Ü«∞=Ú 5 : W`«~° ÉϺO‰õΩÅÖ’ KÕã≤# ÉϺO‰õΩ _çáêl@∞¡ ã¨g∞H˜ΔOK«∞@ QÆ∂iÛ. q=~°} : 01–03–2018 #∞O_ç 31–08–2018 =~°‰õΩ ÉϺO‰õΩ KÕã≤# qx=∞Ü«∞=ÚÅ ÖÏ"å^ÕgÅ∞ D„H˜Ok q^èŒ=ÚQÍ HõÅ=Ù.

(Rs. In Lakhs) S.No. Particulars Sub Amount Total 1 `Õk 01–03–2018 <å\˜ „áê~°OÉèí xÅfi Opening Balance as on 01-03-2018 2011.72 2 `Õk 01–03–2018 #∞O_ç 31–08–2018 =~°‰õΩ KÕã≤# _çáêl@∞¡ Investment made between 01-03-2018 to 31-08-2018 a) Call Money Deposit 15460.00 b) Treasury Bills 294.79 c) SBI, Canara, APGVB, BOI & IDBI 741.55 d) HDFC Bank 65.84 e) Investment with DCCB 0.32 f) UTI Liquid Funds 150.00 16712.50 Total 18724.22 22 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 3 `Õk 01–03–2018 #∞O_ç 31–08–2018 =~°‰õΩ fã≤# _çáêl@∞¡ Investments withdraw between 01-03-2018 to 31-08-2018 a) SBI, CANARA, APGVB, BOI & IDBI 490.51 b) Govt. Securities 0.28 c) Call Money Deposit 15360.00 d) Treasury Bills 99.16 e) HDFC Bank 57.90 16007.85 Total 16007.85 4 `Õk 31–08–2018 <å\˜ =ÚyOѨ٠xÅfi 2716.37 Closing Balance as on 31-08-2018 Investments of the Bank as on 31-08-2018 (Rs.In lakkhs) SL.NO INVESTMENTS MADE WITH AMOUNT 1 Govt. Securities 1662.67 2 Treasury Biills 195.63 3 FD with DCCB Bibinagar 4.22 4 FD with TSCAB 17.48 5 HDFC Bank 120.84 6 CANARA BANK Pochampally 30.00 7 APGVB, 20.00 8 State Bank India, Nalgonda 100.00 9 Bank of India, Nalgonda 130.53 10 IDBI, Nalgonda 185.00 11 Call Money 100.00 12 UTI Liquid Funds 150.00 Total 2716.37 q+¨Ü«∞=Ú 6 : 2017-2018 ã¨O=`«û~°Ñ¨Ù xHõ~° ÖÏÉèí ѨOÑ≤}© KÕÜ«Ú@ QÆ∂iÛ. q=~°} :– 2017–2018 ã¨O=`«û~åxH˜ ÉϺO‰õΩ Pi˚Oz# xHõ~° ÖÏÉèí=Ú ~°∂. 94,68,221–02 Pi˚Oz#k. nxx D „H˜Ok q^èŒ=ÚQÍ Ñ¨OÑ≤}© KÕÜ«Ú@‰õΩ ã¨∂zOK«<≥·#k. „Hõ.ã¨O. q=~°=ÚÅ∞ "≥Ú`«Î=Ú "≥Ú`«Î=Ú 1 xHõ~° ÖÏÉèí=Ú 94,68,221.02 ÖÏÉèí ѨOÑ≤}© ɡ·ÖÏ <≥O. 43 „ѨHÍ~°=Ú 2 25% i[~°∞fi Ѷ¨O_£ 23,67,055.00 3 q^•º xkè 94,682.00 24,61,737.00 ѨOѨHõ=Ú#‰õΩ q∞ye# ÖÏÉèí=Ú 70,06,484.02 4 _çq_≥O_£ 14% 50,74,929.00 5 Éèí=#Ѩ٠xkè 19,31,555.02 70,06,484.02

23 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 q+¨Ü«∞=Ú 7 8 : Z*ˇO_® JOâ◊=Ú 7 =∞iÜ«Ú 8 ã¨O|OkèOz# q=~°} „Ѩu q_çQÍ WO^Œ∞"≥O@ [`«Ñ¨~°Û<≥·#k. q+¨Ü«∞=Ú 9 : "å~Ú^• g∞i# ÉÏH© ^•~°∞Å *Ïa`å ã¨g∞H˜ΔOK«∞@ QÆ∂iÛ. q=~°} : `Õk : 31–07–2018 <å\˜H˜ "å~Ú^• g∞i `Õk : 27–09–2018 <å\˜H˜ K≥e¡OK«x "å~Ú^•g∞i# ÉÏH© *Ïa`å âßYÅ "åiQÍ D „H˜Ok q^èŒ=ÚQÍ HõÅ=Ù. „Hõ.ã¨O. ¿Ñ~°∞ JѨÙÊ L^ÕÌâ◊º=Ú ÉÏH© L#fl JѨÙÊ "å~Ú^• g∞i# JѨÙÊ áÈK«OѨe¡ âßY : 1 W„|Ç≤ÏOѨ@flO ~°"Õ∞+π "åºáê~° |∞∞}O 83,165 22,394 2 Hõ~åfl\˜ ã¨∞=∞<£ WO\ ˜ |∞∞}O 2,32,628 27,375 3 K«∞Hõ¯ â◊OHõ~°Ü«∞º É’Öò"≥Öò Ys^Œ∞ 44,18,862 2,92,410 4 `≥Å∞HõѨe¡ W™êÎ~°=∞‡ WO\ ˜ |∞∞}O 1,62,962 27,436 KÒ@∞ѨÊÖò âßY : 5 ÅH˜Δ ‡ Ô~·`«∞ q∞„`« ã¨OѶ¨∞O „á⁄II |^ŒÌO ã¨Or=Ô~_ç¤ =iHÀ`« Ü«∞O„`«O 2,80,417 2,80,417 6 P‰õΩŠǨÏ#∞=∞Ü«∞º "åǨÏ#O |∞∞}O 23,649 23,649 #Å¡Q˘O_» âßY : 7 ã¨∂~°Ñ¨e¡ ^•"≥∂^Œ~ü "åºáê~° |∞∞}O 1,93,038 11,015 8 =∞ǨÏ=∞‡^£ QÍeÉò +¨sÑπ WO\ ˜ |∞∞}O 2,57,832 73,612 9 QÀѨQÀx <åQÆÜ«∞º WO\˜ |∞∞}O 70,689 17,061 10 x~°ã¨#"≥∞@¡ "≥OHõ#fl WO\˜ |∞∞}O 8,68,090 50,049 11 QÆ∞O_»QÀx ~å=∞™êfiq∞ WO\˜ |∞∞}O 1,90,877 33,784 12 ^Õ=ÙÅѨe¡ Nx"åãπ "åºáê~° ™ê÷Ѩ# |∞∞}O 2,15,133 11,723 13 <åQÆ^Œ∞~°æ >ˇH±û>ˇÿÖòû "≥∞<£û"Õ~ü F=~ü„_®Ñ¶πì 3,05,168 5,168 14 ǨÏ#∞=∂<£ =∂~°∞ƒÖòû F=~ü„_®Ñ¶πì 3,19,613 7,613 ǨeÜ«∂ âßY : 15 <åQÍ~°∞˚# ÅHõΔ ‡=∞‡ "åºáê~° |∞∞}O 22,556 16,018 16 K«O^• eOQÍÔ~_ç¤ "åºáê~° |∞∞}O 37,643 4,230 17 ÅHõ¯ =∞^èŒ∞ã¨∂^Œ<£Ô~_ç¤ "åºáê~° |∞∞}O 39,258 5,983 K«O_»∂~ü âßY : 18 Ѩ^•‡=u ÃѶiìÖˇ·[~üû F=~ü „_®Ñπì 6,20,663 20,663

24 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 to 30-09-2018. The net worth lakhs. of the Bank is Rs.591.03 October 2003 (Except loans against Advances. Total constituted 0.00% of They st DIRECTIVES (AS ON 31-03-2018) To be maintained To be maintained To funds and 40% of Net owned Borrower of connected borrowers group Per After 1 A minimum CRAR 9% shall be maintainedA minimum Maintained 14.93% 100% on D3 assets 30% on D2 assets20% on D1 assets 10% on Sub-standard assets 0.40% on standard assets adequately. made provisions All their own deposits and LIC Policies) their own PRUDENTIAL EXPOSURE NORMS AND COMPLIANCE TO RESERVE OF INDIA RESERVE TO EXPOSURE NORMS AND COMPLIANCE PRUDENTIAL Capital to Risk weighted Asset Ratio Capital to Risk weighted 16 Submission of Returns to RBI Should be submitted in time Submitted Regularly and promptly. Sl. No. Particulars12 Statutory Liquidity Ratio (SLR)3 required SLR is 19.50% of NDTL Minimum Cash Reserve Ratio (CRR) Maintained throughout the year. Credit Exposure Ceilings Parameters4 required CRR is 4% of NDTL Minimum 56 Exposure to Unsecured Advances assetsTotal 10% of Should not exceed funds per individual 15% of Net owned 7 Priority Sector Advances Maintained throughout the year. Section Advances Weaker Loans to Directors etc. constitute 4.22% of total assets They ceilings the Within of 40% total advances Should be a minimum of 25% PSAs Should be a minimum Sanctioned 86.05% advances should not be sanctioned to Director Advance Sanctioned 60.58% of PSAs Compliance 15 Net worth Should not be less than Rs.1,00,000-00 1011 Credit Policy12 against Advances shares Provisioning Requirementsgivenbe not Should 100% on loss assets 1314 a written credit policy Bank should have Banks in other Co-op. Investments investedbe not Should of DICGC premium Payments a written credit policy Bank have promptlypaid be Should No loans sanctioned against shares Bank. Urban Co-op. any in invested Not up covered half-year, promptly every Paid 89 Assets Non (NPAs)Performing 3% of net advances Should not exceed 2017-18 0.15% for Net NPA 25 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18

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