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: !:= 1!" C9! -1=,J- ;! & X* -?" X 9! D 13.6 ![ ,&0- C'/" :=* !*i*:Y X J- !X- :-1=,Q X/C !& U-! 0 P-A & BD/" "D P- \ 9RM* !X- C 9! 1 :P- R/S+' /C 98Q'&* 87 !:/N : 9!/!: =* 1:1D +:-1J- =* S + ! U dI1 .N9+ X - OD =o/ AS 8 = 1!" !- !: 7"*=/S+U <'1!: A $S1 C 9! 1! =7/!P <=o. * X*++h+hgk 98/ C JQ !O U AS 8 = 1!" K /s !- !: C 9! 1! X*+g+ih+k U < '+ 13.7 8/< +: 7 + A /MQ< X9! !X- = !: U! 0 -D '1* C 2** 2** '1 JQ ! !O 7- R 98Q-1* K / /!1 .N9+ 8 =*8UN 8+ P ! .N9 : C 981!* ;'&:*'M 1 =*8 UN 8+ 13.5 ' < RO; 9/&/" :1&/ !C ! 9/!!: !! + " >/!1 .NP "/!S :1D J: !M! +K !"$"&98 R RK; DS 9/ 8+ gh2: <+ C /-!< UN =R /"<* U < . 3= BD8 . /"'&:* ':9 :UP9/!7 !< ' :!R '1 :; .'M1 3= <9/! ; .: 8P8!N+ :!R D+ =- !N1! J1K<*=7/!7&+ C/-!<. 3= X 0 /"'&* : >./S A 7 !<= 7 !< < :-;/98Q! :!R =' < R UP ; D J &7 o !M! 9! =- !N

53 8Y S ! =o. JQ s / - C *1 R 2*2*= 13.9 U <'+2**- D /! AS9D9 !"/:*= = !: <**A 9! X*2+iig*2 D* 2*2* h** !D7- R 9/! =

9 ! C - -2 U < '+ 2** *1 D /! = !: < ** A ** S ," - ! R +9/!NP"D=[ s 989! *i *g =< ! 9/& N! 998 7 Q+U <'+2** 13.8 :1 ,-1 !S 1!< R D /! = !: < !N[ ! RK; 9/&/ g** A -** \ 7 !N !! K* U1 7 ! R +9/!NP"D =- !N BD+' 9981/P <70 CD R N /"<:* P/" = CD R JQ 9! X*gg+g+-ksO /* : ,I X/! :8- 1 40 290.95 9 ' < 543 654.31 9 ! 583 945.26 13.10 =* S ' 7 9 !9/I RP/ : P 1 k ' < BD .; ! =7/! 7 /" D 8 : 7!8 : < U1 =- !N R ! -1$"&9' 7!8 :M7/N 8 Q R :;9/8P ! =* S + 2*2* U .N9981!*;'&* AS S !:9g !

~~54 -1$"&9' RQ+Y D'1 ! $"&9 $"&9 J:~~

~~7,1 'M Q !"O/S8+ .X/!7 !SM 3 !*1 /K !"$"&9 * $"&9 -1 !J 8 R8P- R/S8+7,1 ,* J: =,/D =,/D '1! k/-!<! =< N / 9! 7~~

~~=*,&XI M~~

I D_ (Audit Committee) =S/ M!: *g- -?" 7,1 'M Q !"O/S8+ !J$"&98 R/-!< *D-9/&! 8 B !: -1 = R981 A & CM/S8+ *2 7 " A 'M 'M JQ J-J J! 981 -& 9 ! ih*h- 2h*- D* -&:!9 988 9/!;" I D_ J1K /* :* S I D_ -1=,K;7S1 A/" c;A & $ - ' J- <,D7 1!:7!8 : < -1 =,K; 7S1 0'1* A/" J- < ! JQ M U<*

~~55 X/! * J0/S !78! >9 A &D * $"&9 J: ,* 7 !SM : : 9/1! ' g9! 7~~

! -1$"&9 *-i U B 1 ' !,X -1 ' $"&9' $"&9 2 D-9/&!8 B !: h*h ' A &71!/+-;+ -1'M JQ ,: !,X+9/N1 !,X 98 /" $"&9' BD 9 ! gi*2 / / ! :;+ :' J0/S >9 A & K !78! >9 !78! >P ,&/! 981 / QD9 !"<*7 Q & U B 1 ' N8 ' 13.12 $"&9' <8J0/S :-17,1/N :J:- >9A & K !78! >PD J0/S !78! >9A &.!9.3 9 !";D= :P !: K !78! >9 A & A1, <898;'&* '1* 9! U.:! - ;'&* U '+ J0/S >9 A & K !78! >9 !: 78 < :* S J0/S K !SQ<= :' BD !78! >9 A &M h* :8 = : !S 1!< BD !78! </N :98<* =R+= 9 A &D:9/1DUP ! 8 1 ,N!8P !: 7 S !L1 = <*7 QU '+ ! /N : {Direct Benefit Transfer for -1 $"&9 ' + 98 : LPG (DBTL)} ' !78! > -7 S 13.13 K:Z>9A &YU B 1 U.:!D 7S1 UP < 'M / 9/N : 98;'&*7 Q+:D7S1 7 9 !</"'&:* :* ,P-<9 9 X C N8 ,N!8P !:7 S !&- 'M <*U < {Direct Benefit Transfer for LPG (DBTL)} '1!:+ ! -1 $"&9 /N : < K:Z >9 ' J0/S !78! A & 1 7 9 !" / >9A & 1 98 1! :8 C !: BD/1:R /1/"D!: < ;'&*: 1/N : R QA & <8 PQXC 8 ]"/ X 8! $"&9 :' BD=R< '+99 !: /C>9D K !" /! $"&9 '+ 7 1!: J- 1 ! -1 8!7/ $"&9 ' $"&9' N8'M X !,X -1 $"&9 C' ,7/! -; 7"* ''1' BDU ' UP;'&*

56 98 : '1!< >9 1 AS'&*:8- 1:$"&9 {Bankers Clearing House at Chennai J: 9 1- 9/! D_P U< : 1- <,' K !"$"&9 J D_P i U.: R c; 0"8-: C17/!&*Q U.:! *h*A 2*i*i =*A /" 7 1!: U< !-D U < ' S < U <' 79" /"<* ,";'&*

!J 7! - 7 Q+ !J 7! --< 1!9!; /CA 13.15 !J 7! -+ U A /!/S:; += : $"&9 '1! gi S B !-D " =*A /"/* c;A &1! 7 981 U.: :--Y+K0 -= : ' =7/! =*9 /D- RQ U< $"&9 ' + /"'&:* =! K !" !J $"&9'k ! -1$"&9 :7/!S/S+S ' k $"&9' kK !" i2:: R X**-7 !S=

~~/- 7 NJ-/N !& 0'10'17 X 7 X 0'17 X0'1 7 X " 7! R !"! +7 X 7! 0D 7! R 7! R 9 ! 9! D*. =<9D &<* ,I .X* 7 !SM 3~~

U <'M RTGS / NEFT 2013-14 120731 553.94 : C1< ' 78 2014-15 54613 245.62 =*A /"/"<+ -1 2015-16 1109 1.99 $"&9 ' + $"&9 ' : $"&9 =':-1/ /N/!"- J: B : 8- < /1/"- 9 !< Q 13.16 !J $"&9' R 981/"<*: !C ! -1 7,1 : C1- =N1 A1,1! $"&9 ' B+ $"&9 g " =' :-1 / / ' B+ !S 1!< B ! N/!" - U;! /* !

57 /D-D $"&9 ' + !J $"&9' R 7! 0'9+ !78! X CD 9 Y N ! 9+ = : $"&9 ' B D & C-Q987:98 /D9 !< $S1 M c; ;'&* : !C ! /C/N !& - P P 7! US s =*A /"- A1, /1/!"9D! D &<* 7 9 !</";'&*

~~58 !?"I d !?"u ' Q !?" I !XKD $"&9 & = 8 2*i ' Q !?" I ' = g*h* *h* !S 1!< BD 0D $" = 9/& $"&9 & 78 1!D* !L17 !N M7/!+9! 7~~

~~8 9/! P :P" !?" J: !?" !?"~~

~~c/ < X.D 9/!;" 9! 7~~

59 :7 ! .N9 . -N !?" - R = ! 13.18 U '+'M1 :7 ! = X <,&A &M 981 /" 13.19 K !"=[ C,-+$"&9+ 7,1'MQ !" D*./S+ UC9 d 7!/! !X(CC1) S :7 ! & !2**!M! . -N .NP :N/"-1* 47l!-? !71!l:!.Pradhan Mantri Jeevan Jyoti Bima Yojana – PMJJBY3 :.N9'MJ-J =* < . -N [[! ? ! 71!l:! , A'1 P' < /1/"- .Pradhan Mantri Suraksha Bima Yojana - * =-; PMSBY3 !?"- <K !" S < 981 /" & !J $"&9'MQ+ ' B !!"!N1! c?"+ ! -1$"&9' RQ 98 ;7!"+ : Y ' = /" C .&. /* /I1!< BD ' <, 9/& $"&98 R/-!< S PQXC N/"-;'&* ,Rc. No.34558/2015/CBP1 !h** !M! 7 $*1 :" !?" :* S : - < 981 /" U < 7 ! .N9+ 98! 9/!X 'D=*9/"<* 7 ! D_ $ < $"D ;P1! :;<* U <'+. -N47l!- :D_ $ R 7,1 ? ! 71!l:! - 981 /" J !& + U.: R , \, J:-A+ . -N :-D9 !"/"= [[! ? ! 71!l:! - P!- /"=:S/ M A'1 981 /" JZ :-1! =|Z AS9 ," /:* J:-Ai**=c/ 7 9 !* :.N9'MJ-J MA'1 P' R N& :& /*1 -- ,&/8 <0';'&*:-1N8 =3 . -N47l!-? !71!l:! '1! =*P /" 9 ! ... AS9 R A'1 =8 < Pradhan Mantri Jeevan Jyoti Bima 3 U.: R :-D ," Yojana – PMJJBY 98 7!" =/S =!9 98 AS9 ," /"'&:* !?"9! X*:8 ".NK1 X*22 U 'M 9 989 ! lA 7 2 CD R !!"7! N/" U.:1 hA 7/!" D*!D*X X. 1 8 .'&* !?" 9! :1 Ck 0DQDUN1 :.N!: O 1!: 98! P/ C !C 9/!X 7 ! M : 'M N/"=N1A1, <7 9 !" 'M9 c;U.:;DX*- ;'&*

~~60 3 . -N [[! ? ! 71!l:! 7 !< U 'M9/! ... Pradhan Mantri Suraksha Bima Yojana 7 !<+'71!=' R - PMSBY3 :- 981 /"=- !N~~

2*2* +U '. -N 3 $"&9 8 R /-!< 47l!-? !71!l:!-- +2ii = R "/!S U<$"&9 U.: <8+. -N[[! 8 R UN1 A &M /IM ? ! 71!l:! -- +ig J1K / = :;+ 9/! U.: <8: C<* PJ71! -- U< P/ :1!< " U/+ $"&9/I1!< B !:X-1 ; :-- 78D-9/* !?" -+ 3 !SDX*+.NK1 ! .X*h 78 NX*398Q7"* 13.20 !XKD K !" A = 8 = +K !"87/ M P- :9! 1+ $"&9 8 ,!M! +=8! C,-2+ /I1!< 50:50 ,& P'- J- &+ ! g**< 98Q7"* 981 /"/" X-1 ; !?" - + $"&9 23 -981 /"/":!" /I1!< BDPN9/"/",: !-DX*:8 ; =*P!* = =S/ M + UP9! 0 /"* =8! C , -+ $"&9+ UC9 -3 :- *h* A d 7!/! !X.CB23 &+ 981 /"/* ! 2**- !M! + $"&9 8 R /-!< = R 3 :-- < !Z D"/ "/!S :1D $"&9 U.: 789 !</"* J: R /I1!< BD X-1 =3 8Y Ck :P ; !?"-= /" C .&. /* $"&9 3 /I1!< 8!< D0 8 R /-!< S , 7 !X9/ .=3-; C Rc.No.72236/2014/PMCT2 !h*i* 9/ .=31Y-1 8 !M! :--=8 D* :* , A 1 J 7! PN! P =R /:* = :-- :; -1 $"&9 ' R 9/! D-8 1!!*

61 :3 -; C !/I1!<! :;.+ 0 +7,1!L1'> +7,1 =N9/7&!* P8!1 n <,'+:-1 ' R: C1+:-1,9!Q =* 1!S +$"&98 < <,'+/! 7'+ 8!2g+2h/I1!< B+8 7,1$"&9<, 0 + !J <8!2+-2/I1!< B $"&9 ' R 7,1 : C1+ :-- 78<:* 7,1 $"&9 c*1+ 7,1 n:A7&!J- 7 /!" 0 + : 98 :M 9< J!C 7,10"8-'+K !" R S 7 /!" 0 +; ! XJ- C1+$"&9I :1D 13.21 U '+ + S8/ !- /1 C !< +:1D + 98 :M N/ 9< * Id! 8 9! 7 9 !</ J!C & :1D '71!;D = /I R A_ 1! ]"/* '1 c 0X+ J-8P 7 1!:=*9 B ! U < =, 9< J!C 9! 1!: '+: *1* 9NP X*+9/&7 1!:' CD 9 !'&*U <'MJ! : !/1:!< BD' CD : P -/& + 98 : ! ,1 !S 1!< BD :Y !: N/!"98,&XA ! R U * 1 U 8 9NP '/9 "*U 'M2 9 !'&*=* S +'M /I1!< :,&XA ! R <,M < A_ : 9 !"+ 2- 78KX CD < ]"/"-9 !/ 7J RQ ' :/IM : 98 1! /IXN8 /I1!< BD+ 98:* =Q BD+'J! : U< !/!!" <9NP K !"=[P"P9

~~13.22 =* S + K !" =[+ !XKD K0 $"&9 & = 8+$"&9 &A :!* !-7 1 981+$"&98 R/-!<+ :-1N8'+7,1/C/"!! 7 ! :1D ~~

~~62 The Tamil Nadu State Apex Co-operative Bank Ltd., Chennai - 600 001.~~

~~110th ANNUAL REPORT AND STATEMENT OF ACCOUNTS~~

~~2015-16~~

~~63 CONTENTS~~

~~Sl. Page Chapters No. No.~~

~~1. Organisation and Management 65 2. Sources and Uses of Funds 67 3. Loans and Advances 70~~

~~4. Short-termAgricultural Finance 72 5. Short-term Weavers Finance 77 6. Medium and Long Term Loans 79~~

~~7. Non-AgriculturalAdvances 82 8. Investments 84 9. Development Action Plan 88~~

~~10. Human Resources Development 90 11. Agricultural Co-operative Staff Training Institute (ACSTI) 92 12. Computerisation 96~~

~~13. General 105 14. Tamil Nadu - A Profile 114 15. Statistical Statements 122~~

~~16. Statement of Accounts 156 17. Audit Certificate 185 18. Organisation Chart 190~~

~~19. Branches of the Bank 198 20. List of Abbreviations 200~~

~~THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LIMITED, CHENNAI - 600 001. 110th Annual Report of the Bank for the period from 1st April 2015 to 31st March 2016~~

To audited statement of accounts for the period from 1st April 2015 to 31st March 2016 The Shareholders of before this August Body. The Tamil Nadu State Apex Co-op. Bank Ltd., Profit Chennai - 600 001. 1.2 The Net Profit of Rs.43,30,91,093.58 (Rupees Ladies and Gentlemen, Forty three crore thirty lakhs ninety one 1.1 On behalf of the Management of the Tamil thousand ninety three and paise fifty Nadu State Apex Co-op. Bank Ltd., I have eight only) earned by the Bank, during the immense pleasure in welcoming you all to year 2015-16. The subject of appropriation this 110th Annual General Meeting of your of net profit as below is placed before the Bank. Today, I proudly place this 110th Annual General Body for approval. Report of your Bank together with the

~~Sl. Amount Particulars No. Rs. P.~~

1. To Co-op. Research and Development Fund (CRDF) @ 3% 1,29,92,733.00 2. To Co-op. Education Fund (CEF) @ 2% 86,61,822.00 3. To Statutory Reserve Fund @ 25% 10,82,72,773.00 4. To ACS Fund @ 15% 6,49,63,664.00 5. To Pay dividend @ 7.50% on Ordinary Shares 23,02,62,844.26 a) To 23 DCCBs @ 7.50% Rs. 21,50,67,844.26 b) To Govt. of Tamil Nadu @ 7.50% Rs. 1,51,95,000.00

i) Payable to Govt. @ 3% Rs. 60,78,000.00 ii) To ACS Fund @ 4.50% Rs. 91,17,000.00 6. To Primary Coop. Development Fund 25,00,000.00 7. To Building Fund 25,00,000.00 8. To Technology Modernisation Fund 25,00,000.00 9. To Balance carry over to Reserve Fund 4,37,257.32

~~Total 43,30,91,093.58~~

65 Dividend the Bank has been recommended to General 1.3 Tamil Nadu Coop. Societies Act, 1983 Section Body by the Board of Management. 72 and Byelaw No.35 of the Bank provide Organisation and Management the guidelines for appropriation of audited and th declared Net Profit of the Bank. The National 1.4 In accordance with the 97 amendment made in Bank for Agriculture and Rural Development Indian Constitution, the amendment has been issued guidelines vide letters No.NB.DOS. made in Tamil Nadu Cooperative Societies HO.POL.572/J-1/2004-05 dated 25.5.2004 Act, 1983 and Tamil Nadu Cooperative and NB.DOS.HO.POL.105/J-1/2012-13 Societies Rules 1988. As per the amended dated 10.4.2012 for declaring dividend from Act and Rules, the Tamil Nadu State Coop. out of the declared Net Profit of the Bank. Election Commission conducted the election to the Bank and the newly elected Board of On your Bank declaring a dividend at 7.50% Management assumed charge from 24.8.2013. for the year 2015-16, the dividend payout The Board of Management is headed by ratio to the net profit would be 53.17%. The Thiru. R. Elangovan, President . Registrar of Cooperative Societies vide letter Rc.No.78825/2013/CBP.3 dated 26.9.2013 Dr. M. Rajasekar, Additional Registrar of informed that the Board of Management of the Cooperative Societies, was the Managing Bank can declare dividend by adhering to the Director of the Bank upto 19.01.2016. norms and guidelines issued by NABARD for Thiru. R. Karthikeyan, managing the affairs declaring dividend. of the Bank as Managing Director since 20.01.2016. Accordingly, the subject for declaration of dividend at 7.50% for the ordinary shares of

~~Sources and Uses of Funds~~

The Bank raised the resources required for lending and investments through owned funds, The composition of the Agricultural Credit deposits and borrowings. The details of Stabilisation Fund of the Bank as on 31.3.2016 is furnished below: various sources through which funds (Rs. in crore) mobilised are furnished below: i) 15% of the net profit appropriated Share Capital during previous years 100.44 2.1 The paid-up capital of the Bank increased ii) 3% interest credit on ACS Fund 66.61 from Rs.302.70 crore as on 31.3.2015 to iii) Excess dividend on the Govt. Rs.307.56 crore as on 31.03.2016 with the 5.33 Share Capital over and above 3% growth of 1.60%. The share capital of Government of Tamil Nadu was Rs.20.26 crore iv) Grants from Government 5.41 as on 31.03.2016. Total 177.79 Besides, a sum of Rs.888.92 crore received from the Government of Tamil Nadu for Farm Loan Waiver 2006 was kept under “State The ACS Fund of the Bank was invested in Government - Share Capital Suspense A/c.” as approved securities. advised by the Government. Reserves Deposits 2.2 The total reserves of the Bank amounted to 2.3 Deposits formed a major source of funds of Rs.751.98 crore as on 31.3.2016. The break- the Bank. The deposits of the Bank increased up particulars are furnished below: (Rs. in crore) from Rs.7767.79 crore as on 31.03.2015 to Rs.8212.37 crore as on 31.03.2016 recorded i) Statutory Reserve 245.83 with the growth of 5.72%. The type-wise break-up of the deposits as on 31.3.2016 is ii) Agricultural Credit Stabilisation 177.79 furnished below: Fund (own) iii) Investment Depreciation 27.36 Amount % to Total Particulars (Rs. in Reserve Deposits crore) iv) Investment Fluctuation Reserve 43.63 Term Deposits 7083.95 86.26 v) Building Fund 71.74 Matured Deposits 2.06 0.03 vi) Bad and Doubtful Debts Reserve 9.33 Savings Bank Deposits 829.34 10.10 vii) Reserve for NPAs 169.68 Current Deposits 297.02 3.61 viii) Others 6.62 Total 8212.37 100.00 Total 751.98

67 The source-wise break-up of deposits as on Dividend 31.03.2016 is detailed below: 2.9 The Bank had declared dividend at the rate of Amount Percentage Category 7.50% to the ordinary share holders of the (Rs. in crore) to Total Bank for the year 2015-16. The Board Individuals and recommends to the General Body to pay Institutions 2583.63 31.46 7.50% dividend to the share holders for the year 2015-16. Co-operatives 5628.74 68.54 Total 8212.37 100.00 Borrowings

2.10 Borrowings constituted the second largest Out of the total deposits of Rs.8212.37 source of funds of the Bank. The borrowings crore, Rs.3027.06 crore (36.86%) were of the Bank as on 31.3.2016 amounted to mobilised by the 46 Branches and the rest by Rs.3768.72 crore as against Rs.3309.24 crore the Head Office. as on 31.3.2015. The borrowings formed 26.17% of the working funds. Cash and Bank Balances with other Banks

2.4 The cash and bank balances held by the The details of borrowings of the Bank, from Bank with other banks were Rs.2451.77 various sources and type of borrowings are crore as on 31.3.2016 as against Rs.2059.28 furnished: crore as on 31.3.2015. (Rs. in crore) Investments

2.5 Government Promissory Notes (both Central and State) and other approved securities amounted to Rs. 3154.47 crore as on 31.3.2016 as against Rs.2831.04 crore as on From NABARD S.T. Agriculture - DCCBs 2240.00 2240.00 31.3.2015. S.T. Weavers - DCCBs 276.73 10.00 Loans and Advances Co-optex - Cloth A/c. 77.68 46.00 Co-optex Powerloom A/c. 16.77 -- 2.6 The loans and advances outstanding as on ST NWR 30.00 0.50 31.3.2016 was Rs.7353.08 crore as against Medium-term Agriculture: Rs.8082 crore as on 31.3.2015. Project loan IRDP Schemes -- 64.56 Self Help Group -- 114.37 Rural Housing Scheme -- 0.02 Working Funds Producers Organisation Dev. Fund -- 9.94 Long Term Rural Credit Finance -- 380.41 2.7 The working funds of the Bank increased 2865.80 from Rs.13377.54 crore as on 31.3.2015 to Sub-Total Rs.14401.18 crore as on 31.3.2016. From NHFDC -- 67.26 Profit From NCDC -- -- Borrowings from DCCBs - Call -- 715.55 2.8 The Bank had increased a net profit of money Rs.43.31 crore for the year 2015-16 as Sub-Total against the net profit of Rs.41.38 crore for 782.81 the year 2014-15. Grand Total 3648.61

68 Borrowings from NABARD 2.13 The particulars of operations in the credit limit under ST-SAO (Other Crops and Oilseeds) 2.11 Borrowings of your Bank from NABARD as with the NABARD are furnished below: on 31.3.2016 amounted to Rs.2865.80 crore out of the total borrowings of Rs.3648.61 crore (Rs. in crore) which forms 78.54% of the borrowings. The details of limits sanctioned by NABARD and Outstanding as on 31.3.2015 2552.00 utilisation of the same by your Bank are Drawals during the year 2015-16 2240.00 furnished in the statistical statements. Repayments during the year 2015-16 2552.00 Short-Term Agricultural Loans Outstanding as on 31.3.2016 2240.00 Maximum outstanding borrowings 2.12 Your Bank was sanctioned with consolidated 2240.00 from NABARD during the year short-term credit limits aggregating to Rs.2240 crore by the NABARD for financing Utilisation of credit limit sanctioned (%) 100% Seasonal Agricultural Operations for the year 2015-16 on behalf of 22 DCCBs under Section 21(1)(i)/3(a) of NABARD Act 1981 ST. Others without Government guarantee. 2.14 During the year 2015-16, your Bank had not utilised the refinance limit under ST (Others) Your Bank had sanctioned credit limits to the from NABARD. tune of Rs.1300 crore from its own funds to all DCCBs as against the CC limit of Rs.1292.94 crore.

~~Loans and Advances~~

3. The total loans and advances outstanding as sectoral deployment of advances as on on 31.3.2016 amounted to Rs.735307.96 lakh 31.3.2014, 31.3.2015 and 31.3.2016 are as against Rs.808200.45 lakh as on 31.3.2015 furnished below: and Rs.844029.29 lakh as on 31.3.2014. The (Rs. in lakhs)

~~ ~~

~~A. ADVANCES TO CENTRAL CO-OP. BANKS~~

~~I. LOANS~~

~~i) Short Term~~

~~1. Seasonal Agricultural Operations 334405.00 373043.00 353294.00 2. Short Term (Others) 1580.00 1496.54 101.77 3. Weavers Co-op. Societies 4557.04 2434.67 2744.12~~

~~ii) Medium Term~~

1. Schematic & SHGs 51441.15 46371.02 38673.94 2. MT Conversion 19371.91 9081.01 4324.31 3. Waiver Loan due from Government 95473.84 95473.84 95473.84 4. DCCB - PCD Fund Loan 538.48 538.48 538.48 5. Producers Organisation Development Fund (PODF) 244.87 1097.22 958.96 6. Coop. Sugar Mills - SEFASU Loan - 4019.91 4021.14 7. Coop. Sugar Mills - SOFT Loan - - 1847.35

~~iii)Long Term~~

1. Non-Farm Sector - NABARD Scheme ------2. Loans to other Societies under NCDC Scheme 7.80 7.80 1.36 3. Loans under NHFDC Scheme 3204.27 3551.12 3621.60 4. Rural Housing - NABARD Scheme 51.61 20.86 3.06 5. Long Term Rural Credit Fund (LTRCF) -- 12190.87 34168.56

~~II. CASH CREDIT~~

~~1. Current Account - Overdraft I A/c. 3797.20 1637.35 41.03 2. Employees’ Societies III A/c. 24475.00 5645.00 1256.00~~

~~70 (Rs. in lakh) ~~

~~3. Jewel Loan - PACCS - VI A/c. 100340.00 58275.00 26376.00 4. Jewel Loan - Branches of CCBs VII A/c. 42810.00 44270.00 13451.00 5. Sugar Mills - Consortium 3809.20 196.28 1257.53~~

~~B. OTHER ADVANCES~~

~~I) LOANS~~

1. Processing Societies 16.58 16.58 -- 2. Depositors’ Loan 623.54 701.80 708.62 3. Jewel Loan 2003 69128.41 58823.71 33035.45 4. Jewel Loan 365 11396.55 16095.43 25070.76 5. Loans to Salaried Persons - 1999 914.13 592.99 574.34 6. Loans to Weaker Sections 1.48 1.48 1.48 7. Consumer Loan 0.98 0.98 0.99 8. Loans to Individuals against Securities 7.04 7.46 8.38 9. Bills / Cheques purchased ------10.Building Mortgage Loan 207.82 216.63 198.70 11.Home Needs Loan 41.83 58.59 48.61 12.SRTO Loan 87.23 87.23 87.23 13.Other Loans 62.21 120.23 17.65

~~II) CASH CREDIT~~

~~1. Tamil Nadu Handloom Weavers’ Co-op. Society Ltd. (Co-optex) Purchase of cloth 6903.04 3326.40 2849.61 Purchase of yarn ------Powerloom 913.83 867.11 1017.47 Imprest Account -- 1207.20 913.43~~

~~2. Food Credit Consortium 65000.00 65000.00 85000.00 3. Working capital refinance to CCBs (NCDC Refinance) -- --~~

~~III) ADVANCES TO MEMBERS OF STAFF~~

~~1. Staff Housing Loan 1652.29 1500.09 1332.46 2. Other loans 967.93 226.57 2291.33~~

~~TOTAL 844029.26 808200.45 735307.96~~

~~71 ~~

~~Short Term Agricultural Finance~~

Credit Limits sanctioned to Dist. Central Co-op. (Rs. in crore) Banks for financing Seasonal Agricultural Achieve- No. of Farmers Financial Year Target Operations ment benefited 2006-07 1235.00 1250.62 6,31,283 4.1 During the year 2015-16, NABARD sanctioned 2007-08 1371.00 1393.97 6,48,402 a consolidated credit limit of Rs.2240 crore to 2008-09 1500.00 1570.99 6,91,192 your Bank on behalf of the 22 DCCBs for 2009-10 2000.00 2169.48 8,98,540 financing Seasonal Agricultural Operations for 2010-11 2500.00 2778.54 8,99,685 2011-12 3000.00 3280.42 9,15,674 cultivating various crops including cereals. In 2012-13 4000.00 4069.44 10,20,845 addition, your Bank had sanctioned credit limits 2013-14 4500.00 4716.16 10,46,839 for Rs.1300 crore from its own resources to 2014-15 5000.00 5279.91 10,36,859 all the DCCBs. 2015-16 5500.00 5868.31 10,74,419

Operation under the Credit Limit of ST.SAO: Crop-wise particulars of loans issued during the year 2015-16 are given in the statistical 4.2 Details of drawals allowed to DCCBs, statements. repayments received from them, outstandings as at the beginning of the year and as on Rate of Interest 31.03.2016 are furnished below: (Rs. in crore) 4.4 NABARD in its Policy Circular for the year 2015-16, has informed that the rate of interest Outstanding against DCCBs as on 31.03.2015 3730.43 on refinance would be 4.5% per annum, subject Drawals allowed to DCCBs during 2015-16 3532.94 to revision, if any, by the Government of India. 3730.43 Repayments received from DCCBs during Further, the concessional finance will be 2015-16 applicable only to those State Coop. Banks Outstanding against DCCBs as on 31.03.2016 3532.94 which together with their own involvement, agree Maximum outstanding against DCCBs during 3730.43 to ensure the provision of crop loan upto Rs.3 2015-16 lakhs per borrower at 7% per annum or less by Issue of Short Term Agricultural Loans by DCCBs STCC structure in State. 4.3 The DCCBs issued S.T. Agricultural loans through PACCS to the extent of Since NABARD continuing the same status- Rs.5868.31 crore during the year 2015-16 as quo from the year 2011-12, your Bank against the target of Rs.5500 crore fixed by requested the Registrar of Coop. Societies to the Government of Tamil Nadu. recommend to the Government of Tamil Nadu the rate of interest for cooperative banks with a The particulars of target fixed and achievement margin for disbursement of short term crop made by the DCCBs for issue of short-term loan. agricultural loans for the last ten years are given in the next para:

72 Credit Limits Sanctioned to DCCBs for Financing review and further recommendation to the State Short Term (Others) Level Technical Committee (SLTC) for approval 4.5 NABARD vide Circular No.NB.DOR/738/ and adoption. A.1 (ST-Others)/2015-16 (Circular No.25/ The State Level Technical Committee has DoR-33/2015) dated 29.5.2015 has approved the Scale of Finance for various crops communicated the policy governing sanction ST. for the year 2016-17 and the same have been (Others) credit limit for 2015-16. In order to circulated to the cooperative banks and State provide one more avenue to raise resources Level Bankers’ Committee (SLBC) for by the DCCBs for their lending activities during circulation to other banks. 2015-16, your Bank sanctioned credit limits aggregating Rs.82.00 crore to 15 DCCBs for 2% GoI Subvention the following purposes from its own resources. 4.8 Government of India had implemented the policy of provision of 2% interest subvention for the (i) Marketing of Crops (Produce Pledge Loan) year 2007-08 for the own involvement of Coop. & Banks for issuing crop loans @ 7% upto Rs.3/- (ii) Purchase, Stocking and Distribution of lakh per borrower. The scheme is continued Chemical Fertilisers and other Agricultural for the year 2015-16 also. The changes made Inputs for the year 2015-16. in rate of subvention over the years are given in Post Harvest Loans to Small and Marginal Farm- the following table. ers against Negotiable Warehouse Receipt Years Interest Subvention (NWR) for the year 2016-17 2007-08 2% 4.6 NABARD in its Policy has informed that the 2008-09 3% Primary Agricultural Cooperative Credit Society 2009-10 2% may sanction Produce Pledge Loan against 2010-11 1.5% Negotiable Warehouse Receipt (NWR) for the 2011-12 2% stocks kept in the godowns accredited by the Warehousing Development and Regulatory 2012-13 2% Authority upto the extent of 75% of produce 2013-14 2% pledged. The maximum credit limit per borrower 2014-15 2% under SF/MF category should not exceed Rs.3 2015-16 2% lakh with an interest rate of 7% per annum for a maximum period of 6 months. Your Bank During the year, the Government of India has sanctioned credit limit of Rs.4046.85 lakh to 15 released 2% interest subvention amounting to DCCBs. All the DCCBs put together availed Rs.44.77 crores. Of which Rs.30.40 crore is drawals of Rs.177.81 lakh and the outstanding the share of your Bank. as on 31.3.2016 is Rs.101.77 lakh. (Rs. in crore)

Scale of Finance Year Received Amount on released 4.7 In order to fix the scale of finance for various Additional claim for 2012-13 19.05.2016 8.85 crops for the year 2016-17, recommendations Annual Claim for 2013-14 03.08.2015 25.34 have been obtained from the District Level Additional claim for 2013-14 17.11.2015 10.58 Technical Committees. Those recommendations have been placed in the Sub-Committee for Total 44.77

73 The annual claim of Rs.30,82,65,105/- for for installation of Jewel Safe in Primary 2014-15 is under consideration of the Govt. of Agricultural Cooperative Credit Societies, India. construction of modern bank building for 50 PACCS and construction of toilet in 621 2% Government of Tamil Nadu Interest Subsidy cooperative institutions etc. during 2015-16. 4.9 The Government of Tamil Nadu is providing The financial assistance released for various 2% interest subsidy to Coop. Banks for their purposes from PCD Fund during 2015-16 are own involvement in issuing crop loans @ 7% detailed below: p.a. from the year 2006-07. During the year, the (Rs.in lakh) Government of Tamil Nadu has released a sum Sl. Purpose 2015-16 of Rs.12.50 crore of which Rs.5.06 crore is the No. share of your Bank. 1. Interest free loan sanctioned to 50 1000.00 PACCS @ Rs.20 lakh each for Modern Government of Tamil Nadu’s Interest Incentive Bank Building under Minister’s Scheme for 2015-16 to crop loan borrowers, who assurance promptly repay their crop loans before due date 2. Construction of Toilet in 621 186.30 cooperative institutions

4.10 The Government of Tamil Nadu in GO. 3. Installation of Jewel Safe 3.25 Ms.No.94, Coop. Food and Consumer 4. Advertisement and tender expenses 4.32 Protection Department dated 31.07.2009 has incurred for installation of Closed ordered that the crop loan availed by the farmers Circuit Television Cameras in 200 PACCS during the year 2009-10 and repaid on or before the due date no interest is collected. 5. Payment of 12% interest subsidy to 61.58 DCCBs for sanction of MT loan to PACS for purchase Computer The above policy of Government of Tamil Nadu Hardware is continued for the year 2015-16. The 6. Payment of 9% interest subsidy to 96.95 Government has released Rs.169.38 crore DCCBs for sanction of MT loan to PACS for purchase of Agricultural towards 7% interest incentive. Implements

Joint Liability Groups 7. Payment of 5% interest subsidy to 263.43 DCCBs for sanction of Special Jewel 4.11 During the year under report, a sum of Loan Cash Credit Rs.522.50 crore of crop loans were issued to 8. Payment of 8% interest to CRAR 152.59 19127 Joint Liability Groups. contributing Banks Total 1768.42 Primary Cooperatives Development Fund The details of operation in the Primary Coop. 4.12 The Primary Cooperatives Development Fund Development Fund for the year ended (PCD Fund) was created at the Apex Bank 31.03.2016 is given below: Level in the year 1990 in order to strengthen (Rs.in lakhs) the Primary Cooperatives in the State. Your Bank and profit making DCCBs are required Opening balance as on 01.04.2015 2499.62 to contribute 5% of their net profit to the fund. Receipt for the fund during the year 2608.27 As per the Orders of Government of Tamil Payment out of the fund during the year 3018.43 Nadu and the Registrar of Coop. Societies, Closing balance as on 31.03.2016 2089.46 financial assistance released from the PCD Fund

74 PACCS Deposit Guarantee Fund (PACCS DGF) As per various Govt. order listed in the following table, funds were released from 4.13 With a view to creating a sense of security & the Price Stabilisation Fund to the confidence in the minds of Depositors in Cooperative Institutions and for various PACCS and for giving impetus to the Deposit purposes as detailed below: Mobilisation by PACCS, a Deposit Guarantee (Rs. in lakh) Scheme was introduced in our State in the year 1992-93. As per GO No.139, Cooperation, GO. No. Date Purpose Units Amt. Food and Consumer Coopertive Department dated 29.09.2010, the corpus fund is 7 06.01.15 Amma Marunthagam 77 770.00 contributed by the PACCS, DCCBs and Revolving fund SCB in the ratio of 0.15%: 0.10% : 0.05% assistance and 114 01.04.15 8 64.00 respectively of the term deposit position by additional interest the PACCS, as at the end 31st March of free working capital every year. As per the scheme, in case of Grant for Amma liquidation of a society, each depositor is Amudham Depart- 65 30.04.15 100 2000.00 eligible to receive a maximum of ment Store - Tamil Rs.1,00,000/- from the fund. Nadu Civil Supplies Corporation The details of operation in the fund during the year 2015-16 are given below: 23.05.15 TANFED 1 600.00 (Rs. in lakh) Interest free financial Particulars Amount assistance for func- 328 23.12.05 26 100.00 Opening balance as on 01.04.2015 11800.23 tioning of Farm Fresh Consumer Outlets Receipt for the fund during the year 2763.78 Grant towards trans- Payment out of the fund during the 0.11 year (Audit Fees) port / spillage and 153 31.12.15 7 116.79 Closing balance as on 31.03.2016 14563.90 wastage / handling charges Price Stabilisation Fund Total 3650.79 4.14 The Govt. of Tamil Nadu vide their GO(Ms) The details of operations under Price No.97, Cooperation, Food and Consumer Stabilisation Fund during 2015-16 are given Protection (H1) Department dated 01.11.2011 below: have constituted a fund titled “Price (Rs. in lakh) Stabilisation Fund” with the corpus of Rs.50 Balance available in the crore, to extend interest free financial 4737.00 support to the Cooperatives for effective fund as on 01.04.2015 market intervention by procuring selected Working capital assistance 3650.84 commodities that are proven to abnormal price provided & Audit Fee paid fluctuation from season to season and selling them through cooperative outlets at cost price Interest credited to the fund 225.43 to the public. The Government of Tamil during 2015-16 992.43 Nadu have chosen your Bank as the Repayments received 767.00 Manager of this fund. From 24.01.2012 Balance available in the onwards your Bank has been maintaining 2078.59 this fund. fund as on 31.03.2016

~~75 Agricultural Credit Fund of Apex Bank Investment of ACS Fund of DCCB~~

4.15 As per the Rules set out in the GO 4.16 The details of ACS fund investments of Ms.No.501 dated 08.11.1975 (Cooperation DCCBs as at the beginning of the year, Department) Government of Tamil Nadu has amount additionally invested by them and authorised your Bank to administer the the amount of investment as at the close of Agricultural Credit (Stabilisation) Fund (ACS the year 2015-16 are furnished below: Fund). (Rs. in lakh)

For the year 2014-15, your Bank had Particulars Amount distributed Rs.6,20,71,462/- out of its Net Profit to the Agricultural Credit Balance as on 01.04.2015 19048.14 (Stabilisation) Fund – TNSC Bank. The Accretion to the Fund 4013.21 balance available under this Fund as on Utilisation of Fund -- 31.3.2016 was Rs.17779.12 lakh. Balance as on 31.03.2016 23061.35 (Rs. in lakh)

~~Particulars Amount~~

~~Opening balance 17158.41 Accretion to the Fund 620.71 Utilisation of Fund -- Balance as on 31.03.2016 17779.12~~

~~76 ~~

~~Short Term Weavers Finance~~

NABARD Refinance Policy for Weavers The DCCB-wise utilisation of credit limits is Societies - 2015-16 furnished separately in the Annexures. 5.1 As per the NABARD refinance policy for Per Loom Scale of Finance for financing Weavers Societies for 2015-16. NABARD, implementation of Special Programmes: Mumbai vide their circular No.185/DOR.51/ 2015 dated 31.08.2015 communicated the 5.4 Financial assistances are provided for Special policy for financing the working capital Programme (Admission of New Looms, requirements of Primary / Apex Weavers Activation of idle looms, financing new societies Cooperative Societies during 2015-16. and conversion of looms) initially for the first The details of credit limits sanctioned to DCCBs two years based on the per loom Scale of on behalf of PWCS during the year 2015-16 Finance approved by the State Level Standing Committee (SLSC). 5.2 NABARD had sanctioned a consolidated credit limit of Rs.276.73 crore to your Bank on The Per Loom Scale of Finance, in respect of behalf of the 17 eligible DCCBs for financing Special Programmes for financing new Primary Weavers Coop. Societies for 2015- societies / new looms / activisation of idle looms 16. In addition, your Bank also sanctioned etc. for the year 2015-16 fixed by the Rs.0.86 crore from the own resources. A SLSC is given below: total credit limit of Rs.277.59 crore sanctioned to the DCCBs. (Amount in Rupees)

Operations in the Credit Limit by DCCBs Sl. Per Loom Scale 5.3 The details of utilisation of the Weavers Credit No. Variety of Cloth of Finance for the year 2015-16 Limits by the DCCBs during 2015-16 are detailed below: 1 Handloom - Cotton 42000 (Rs. in crore) 2 Handloom - Special 48000 Cotton Particulars Amount 3 Handloom - Pure Silk 79000 with Pure Zari Limit sanctioned for 2015-16 277.59 4 Handloom - Pure Silk 62000 Outstanding against DCCBs 24.35 with Synthetic Zari as on 31.03.2015 5 Handloom - Polyester Drawals allowed during 2015-16 50.84 44000 Repayment received during 2015-16 47.74 6 Powerloom 55000 Outstanding against DCCBs 27.44 7 Pedalloom 45000 as on 31.03.2016

77 90% Loss Guarantee Scheme - Amount due from Rs.38,65,000/- and interest subsidy of the Government to the DCCBs Rs.3,07,057/- have been sactioned by Govt. of India to Erode DCCB. Your Bank release 5.5 The Scheme was introduced Govt. of India in of claim to the Erode DCCB. 1956 with a view to provide guarantee cover to the DCCBs to offset losses arising out of Limit Sanctioned to Cooptex and its Operations non-recovery of loans advanced by them to PWCS on account of liquidation. With effect 5.6 The details of operations under various cash from 01.04.1979, the Government of Tamil credit limits sanctioned to Cooptex during Nadu had been providing financial assistance 2015-16 are furnished below: upto 90% of the amount due based on the (Rs. in lakh) recommendations of the ADH/DDH. The Hand Power Particulars Total remaining 10% has to be shared by Apex loom loom Bank and DCCBs equally. The details of the Limit sanctioned 77.68 16.77 94.45 claims submitted by the DCCBs to the Director for 2015-16 of Handlooms and Textiles as on 31.07.2011 Outstanding as on 45.33 8.67 54.00 are given below: 31.3.2015 (Rs. in lakh) Drawals availed 381.93 130.08 512.01 during 2015-16 No. of liquidated PWCS 822 Repayment made 389.64 128.57 during 2015-16 518.21 Total amount due from Liquidated 12359.77 Societies Outstanding as on 37.63 10.17 31.3.2016 47.80 90% of the amount due from 11123.79 Liquidated Societies Maximum outs- 67.60 16.25 83.85 tanding reached Under Revival, Reform and Restructuring during the year Scheme (RRR Scheme) announced by Govt. of Percentage of 80.93 96.95 -- India, Primary Weavers Coop. Societies and Utilisation Tamil Nadu Handloom Weavers Coop. Society (Cooptex) had been granted with Insurance Recapitalisation Assistance. In continuation of 5.7 The DCCBs are advised to ensure that the the scheme, the Govt. of India extended the stocks with the financed PWCS are covered scheme for sanction of Capital Subsidy of 20% by adequate insurance policies. of loan amount or Rs.10,000 per borrower whichever is less along with 7% interest The Apex Bank also has advised the Cooptex subvention for loans sanctioned to Weaver to insure the stock adequately. The original Member under Weavers Credit Card Scheme. policies have been lodged with your Bank. According to the scheme, for the year Cooptex is further advised to take additional 2015-16, margin money assistance of policies as and when necessary.

~~78 ~~

~~Medium and Long Term Loans~~

Investment Credit Norms - Policy of NABARD NABARD for providing long term refinance for 2015-16 support for immediate credit in agriculture activities (Farm Sector) at concessional rate 6.1 As per the Policy circular issued by NABARD exclusively for Coop. Banks and Regional Rural for the year 2015-16, the eligibility norms of Banks (RRBs). the Banks to avail refinance from NABARD under Schematic lending were fixed on the During the year 2015-16, 22 District Central basis of Audit completion, Loan recovery and Coop. Banks were extended LTRCF refinance NPA, etc. The eligibility norms were applicable of Rs.259.07 crore out of the total refinance of to avail drawals under Farm and Non-farm Rs.261.85 crore under Investment credit for Sector including Industry, Services and various purposes. Business (ISB) components to be financed under SC/ST Action Plan etc. Progress in Investment Credit:

Long Term Rural Credit Fund (LTRCF) 6.3 The particulars of disbursements to the DCCBs, borrowings from NABARD and the 6.2 In order to give boost to Long Term Investment outstanding at the close of each year, for the Credit in Agriculture, Government of India has last five years are given below: set up a “Long Term Rural Credit Fund” with (Rs. in crore)

~~Sl. Particulars 2011-122012-13 2013-14 2014-15 2015-16 No. 1 Refinance disbursed by SCB to 198.98 350.64 269.73 330.25 261.85 DCCBs~~

~~2 Outstanding under refinance to 353.99 500.08 514.93 585.83 460.35 DCCBs as on 31st March~~

~~3 Refinance availed from 225.64 375.17 97.35 294.68 259.06 NABARD~~

~~4 Outstanding under borrowings 313.20 502.58 365.81 417.18 444.97 from NABARD as on 31st March~~

79 During the year under report, your Bank (Rs. in lakh) has availed refinance from NABARD under Loan sanc- Purpose of Amount Schematic Lending to the tune of Rs.259.06 Name of the tioned by PACCS the Project Released crore. NABARD Sri Mushnam Fertiliser 11.25 11.25 Various Subsidy Schemes of NABARD & GoI: PACCS Godown

6.4. As per the instructions received from Govt. of Cuddalore SDL,Paddy, 14.58 14.58 India, NABARD has communicated various 5 PACCS Nursery, subsidy schemes for the year 2015-16 like Xerox Gobichettipalayam 22.53 22.53 1. Dairy Entrepreneurship Development PACCS Banana ripening Scheme Karavilai 38.25 38.25 2. Fisheries PACCS Kumbakonam 3. SHGs/JLGs Procurement APCMS of Agri. 4. Agro Clinic and Agri Business Centres Papanasam 20.00 20.00 Products 5. Agro Processing APCMS Peraiyur Commercial 37.62 37.62 Apex Bank Initiatives PACCS Complex Nangavaram New 12.00 12.00 Your Bank organised a meeting for the General PACCS Godown Managers of Dist. Central Coop. Banks to give Uyyakondan Banana 41.80 12.50 an exposure of the various schemes of Thirumalai PACCS ripening NABARD under Investment Credit. Total 198.03 168.73

Producers Organisation Development Fund Loans to Differently Abled Persons under (PODF) of NABARD - Financing of Primary NHFDC (National Handicapped Finance and Agricultural Cooperative Societies Development Corporation) Scheme

6.5 NABARD introduced a new loan scheme 6.6 As a State Channelising Agency of Tamil Nadu from 2011 viz. “Producers Organisation since 2002, your Bank has been extending Development Fund (PODF)” for the business refinance to DCCBs under various schemes of development of PACCS. The purpose of the NHFDC. For the uear 2015-16, the RCS fixed loan is for purchase of farm machineries, a target of Rs.29.70 crore to issue loans, under construction of godown, cold storage, Petrol/ NHFDC Schemes by the DCCB/UCB. Gas / Diesel / Kerosene Bunks, drying yard, crushing / polishing / packaging unit, etc. Sri During the year 2015-16, your Bank Mushnam PACCS and 5 PACCS of Cuddalore, disbursed a total sum of Rs.1905.21 lakhs, as Gobichettipalayam PACCS, Karavilai PACCS, against the total sum of Rs.1918.21 lakhs Kumbakonam APCMS, Papanasam APCMS, disbursed during the previous year. In order Peraiyur PACCS, Nangavaram PACCS and to give more thrust on the scheme, the Govt. of Uyyakondan Thirumalai PACCS have availed Tamil Nadu has been sanctioning interest subsidy loan to the extent of Rs.168.73 lakh under since 2011-12, for the prompt repayment of the PODF. Apart from the subsidy by State and loan by the differently abled. Central Government, NABARD itself has sanctioned 10% grant on the cost of the project.

80 Accordingly, Govt. of Tamil Nadu has 2013-14 and 2014-15. The subvention will be released the interest subsidy amount of Rs.90 available to the Coop. Banks for 2015-16 on lakh for 2011-12, Rs.90 lakhs for 2012-13, the condition that the Coop. Banks provide SHG Rs.100 lakh for 2013-14, Rs.100 lakhs for credit at 7% and maximum amount eligible is 2014-15 and Rs.50 lakhs for 2015-16. of Rs.3 lakh per SHG in the four identified districts viz. Dharmapuri, Tiruvannamalai, Vellore Based on the continuous efforts of your bank, and Villupuram in Tamil Nadu (Category - I). the Govt. of Tamil Nadu has instituted an Award viz., “The Best DCCB Award” from the During the year 2015-16, the Dharmapuri, year 2010, for the best performing DCCB in Tiruvannamalai, Vellore and Villupuram District issuing more loans to the Differently Abled Central Coop. Banks were extended refinance Persons. upto Rs.65.62 crore under National Rural Livelihood Mission (NRLM). For the year 2014-15, the Salem DCCB was selected as the Best DCCB in issuing more In case of Category II Districts, refinance were loans to the differently abled persons in the State extended upto Rs.38.05 Crore. and the award was received by your President on 15.08.2015 from the Hon’ble Chief Minister Awards of Tamil Nadu on the occasion of Independence Day Celebrations. The Tamil Nadu Corporation for Women Development (TNCDW) had given “Best Credit Facilities for Women Development Performance Award” to your Bank for the years 2012-13 and 2013-14, for providing financial 6.7 NABARD vide Circular No. MCID / 720/ assistance to women beneficiaries through SHGs. SHG-1 (Policy)/ 2014-15 dated 11.11.2014, informed that Cooperative Banks would be The Award was received by your President from subvented to the extent of difference between the Hon’ble Chief Minister of Tamil Nadu, on the maximum lending rates and 7% (subject to 27.02.2016. a maximum of 5.5% p.a.) for the financial year

~~81 ~~

~~Non-Agricultural Advances~~

Cash Credit Limits dues to the sugar cane farmers, the GoI 7.1 As a part of financial support to the DCCBs, announced the Scheme for Extending your Bank, upto 31.03.2016, has sanctioned Financial Assistance to Sugar Undertakings Cash Credit limits to DCCBs for various non- (SEFASU) 2014. Under the said scheme, your agricultural purposes to the tune of Rs.2397.00 Bank along with 11 Leader Banks/DCCBs crore. The total outstanding under the above has sanctioned MT loans to 17 sugar mills to Cash Credit accounts as on 31.03.2016 the tune of Rs.104.01 crore. The period of amounted to Rs.410.83 crore as against repayment is 5 years with a moratorium Rs.1081.90 crore as on 31.03.2015, showing period of 2 years. The sugar mills are eligible a decrease of Rs.671.07 crore. Fluctuation in for an interest subvention @ 12% p.a. for the price of gold in the market and low credit off entire period of the loan i.e. 5 years. take from DCCBs due to surplus funds are Soft Loan to Sugar Mills Scheme 2015 the main reasons for the decrease in outstanding at the Apex Bank level. To facilitate the Sugar Mills to settle the cane arrears to the farmers for the Sugar Season 7.2 For the Sugar Season 2015-16, your Bank 2014-15, Govt. of India announced the Soft had sanctioned Cash Credit limits to Sugar Loan 2015 Scheme under which medium term Mills under Consortium finance for working loans to the tune of Rs.49.57 crores to 11 Coop. capital purpose to the tune of Rs.77.58 crore Sugar Mills and Perambalur Sugar Mill was and the outstanding as on 31.03.2016 was sanctioned in the month of September 2015. The Rs.12.57 crore. The Sugar Mills have under- period of loan is 4 years with one year utilised the limits due to instant sale of sugar moratorium and the rate of interest is 11.50% produced and the ways and means support p.a. and the interest subvention at 10% p.a. will from the State Government. be available for only one year. Scheme for Extending Financial Assistance to The purpose-wise CC limits sanctioned and Sugar Undertakings (SEFASU) 2014 outstanding as on 31.03.2015 and 31.03.2016 are furnished below: In order to help the sugar mills to settle the cane (Rs. in crore) C.C. limit sanctioned Outstanding A/c. as on 31st March as on No. Purpose 2015 2016 31.03.2015 31.03.2016

~~III Employees’ Societies 665.00 390.00 56.45 12.56 VI Jewel Loan (PACCS) 1380.00 1140.00 582.75 263.76 VII Jewel Loan (Branches of DCCBs) 1092.00 867.00 442.70 134.51~~

~~Sub-Total 3137.00 2397.00 1081.90 410.83~~

~~Consortium Finance to Sugar Mills 83.58 77.58 1.96 12.57 SEFASU- Sugar Mills - Term Loan 39.79 -- 39.79 39.79 Soft Loan to Sugar Mills Scheme 2015 -- 18.29 -- 18.29~~

~~Total 3260.37 2492.87 1123.65 481.48~~

82 Building Mortgage Loan Amounts to be received from various 7.3 Under retail lending, your Bank has been issuing Institutions and Individuals through DCCBs Building Mortgage Loans to customers from and direct finance as on 31.03.2015 and the year 2009. As on 31.3.2016, there is an 31.03.2016 are given below under various outstanding of Rs.2.07 crore. heads of advances. (Rs. in lakh) Term Loans to Spinning Mills Sl. Name of the Coop. Outstanding as on 7.4 Owing to various factors, like obsolete No. Spinning Mills 31.03.2015 31.03.2016 machineries, low productivity, textile recession 1. South Arcot CSM 2.26 -- and high cost of raw materials, the performance (Villupuram) 2. -- of Coop. Spinning Mills in the State dwindled Vellore CSM (North Arcot ) 14.32 over a period and thereby 13 Coop. Spinning 3. The South Indian CSM 2.42 -- Mills became defunct during the years between 4. Salem CSM 3.03 -- 5. 0.99 -- 1997-98 and 2003-04. At present, only the Karur CSM following 5 Coop. Spinning Mills are 6. Dharmapuri CSM 1.00 1.00 functioning with 99920 spindles capacity. 7. Kotagiri CSM 0.36 0.36 8. Srivilliputhur CSM - TOD 154.40 -- a. Anna Coop. Spinning Mill, Andipatti, Theni Others District. 9. SRTO Loan (Direct) 87.23 87.23 b. Bharathi Coop. Spinning Mill, Ettayapuram, Tuticorin District. Total 266.01 88.59 c. Kanyakumari Dist. Coop. Spinning Mill, Interest Due upto the date of Liquidation: Aralvaymozhi, Kanyakumari District. d. Krishnagiri Coop. Spinning Mill, Uthangarai, 1. South Arcot CSM 3.62 3.62 (Villupuram) Krishnagiri District. e. Pudukkottai Coop. Spinning Mill, Aranthangi, 2. Vellore CSM (North Arcot) 42.31 42.31 Pudukkottai District. 3. The South Indian CSM 3.24 3.24 4. Salem CSM 5.24 5.24 The modernisation proposal which was drawn 5. Karur CSM 1.59 1.59 up for the above 5 functional Coop. Spinning 320.05 Mills by the South India Textile Research 6. Srivilliputhur CSM - TOD 320.05 Association (SITRA) at a total project cost of Total 376.05 376.05 Rs.147.21 crore has been implemented by As the above 6 Cooperative Spinning Mills availing funds from National Coop. were liquidated, your Bank had claimed the Development Corporation. The trial run is in amount due from the liquidators for the progress and commercial production will respective Coop. Spinning Mills. As a result commence soon. of persistent efforts taken by your Bank, a Further, the Ramanathapuram Dist. Coop. sum of Rs.1,77,42,049/- (Rupees one crore Spinning Mill which had been defunct has seventy seven lakhs forty two thousand and also been modernised. However, during the forty nine only) was received through the reporting year, no fresh CC limits were Director of Handlooms towards the principal sanctioned to Spinning Mills. As per CMA amount due from the above CSMs during Norms of NABARD, units having negative the month of January 2015. The above networth have to furnish Govt. Default amount was adjusted to Principal Account on Guarantee for the loans and advances availed. 31.03.2016. However, the interest dues from these mills are still pending.

~~Investments~~

8.1 Investments of your Bank in Government and c) Investments in Bonds of Public Sector other approved securities amounted to Undertakings Rs. 2939.45 Crores for the purpose of (Rs. in crore) maintenance of SLR as on 31.03.2016. The Bank has also made investments in Shares of Sl. Non-Cooperative Institutions to the extent of No. Particulars of Investments Amount Rs.47000/- and in Bonds of Public Sector 1. 8.40% TNEB Bonds 2019 30.00 Undertakings (PSUs) to the extent of Rs.215.01 Crores which are not reckoned for 2. 8.60% SAIL Bonds 2019 50.00 the purpose of computation of Statutory 3. 8.53% IDBI Omni Bonds 2019 10.00 Liquidity Ratio (SLR). The total investment of 4. 8.65% SAIL Bonds 2019 20.00 the Bank stood at Rs.3154.46 Crores as on 5. 8.37% REC Bonds 2020 50.00 31.03.2016 as against the total investments of 6. 8.36% PFC Bonds 2020 50.00 Rs.2831.04 Crores as on 31.03.2015. 7. 7.04% NABARD BONDS 2026 5.01

~~Details of Investments: Total 215.01~~

~~8.2 The break up of Bank’s investments in Investments in Call Money/Term Money securities as on 31.03.2016 is furnished below: Markets:~~

a) Securities eligible for SLR: 8.3 a. Call Money: (Rs. in crore) Sl. Particulars of Investments Amount Your Bank had invested in Call Money No. during the year under report to the extent of 1. Government of India Securities 1736.04 Rs.1,11,678 Crore and earned an interest 2. Government of TN Securities 359.58 income of Rs.33.70 Crore. A sum of Rs. 450 Crore was outstanding as on 31.03.2016 3. Other State Development Loans 843.83 under the Call Money Account. Total 2939.45

b. Collateralised Borrowing and Lending b) Investments in Shares in Institutions Obligation - CBLO: and Companies: (Amount in Rupees) Similarly, your Bank had invested during the year under report, to the extent of Sl. Particulars of Investments Amount No. Rs.1,67,012.95 Crore and earned an interest income of Rs. 47.25 Crore. A sum of 1. Central Warehousing Corporation 35,000 Rs.718.50 Crore was outstanding as on 2. Tamil Nadu Industrial Investment 31.03.2016 under CBLO. Corporation 12,000 Total 47,000

84 c. Term Money: Money Market, CBLO and also accepted During the year under report, the Bank had Inter Bank Deposits, as detailed below: invested a sum of Rs. 3,700 Crore in Inter Bank a. Call Money & Collaterialised Borrowing Deposits with other Banks and earned an and Lending Obligation Borrowing: interest income of Rs. 113.35 Crore. A sum of Rs.2,000 Crore was outstanding under the During the year under report, in order to meet head Inter Bank Deposits as at the close of the clearing obligation and the needs of business on 31.03.2016. affiliates, your Bank had borrowed a sum of Rs. 25 Crore (Interest Paid: Rs. 46,918) and d. Call Money Investments on behalf of Affiliates: Rs.56.10 Crore (Interest Paid: Rs.1,56,223.58) under Call Money and 5With a view to helping the affiliates to deploy CBLO respectively. their surplus funds in a prudent way, your Bank had been making Call Money Investments on Subscriptions & Service Charges: their behalf to earn sizeable income. 8.5 a. Your Bank is making subscriptions to the 5 During the period under report, your Bank had following agencies: made Call Money Investments on behalf of DCCBs, CUBs, Pondicherry State Coop. Sl. Agency Purpose Bank and Tamil Nadu Industrial Coop. Bank. No. Fixed Income Money 1 To view the reports 5 Your Bank had invested a sum of Market & Derivatives of GoI Securities & Rs.1,10,153.75 Crores in the aggregate in Association of India Corporate Bonds (FIMMDA) Call Money Investments on behalf of the affiliates during the year under report and 2 Cogencis (formerly Online Financial Newswire 18) thus helped them to earn a sum of Rs. 20.82 Information Service Crore as interest on Call Money. Institute for Development and NEFT Gateway 3 charges e. Trading in Securities: Research in Banking Technology (IDRBT) By trading in securities, your Bank, during the year 2015-16, had earned profit aggregating b. Apart from the above, your Bank is also Rs. 2,07,95,000. making service charges to the following agencies: Name of the FV (Rs. in Profit Security Crore) (Rs.) Sl. Agency Purpose No. 7.72% GoI 2025 362.08 71,02,500 Stock Holding Corpora- Maintenance of 8.40% GoI 2024 647.08 1,36,92,500 1 tion of India Ltd., Demat Account (SHCIL) Grand Total 1009.16 2,07,95,000 Service Charges for 2 Clearing Corporation of India Ltd., (CCIL) purchase & sale of Money borrowed to Meet the Credit Demands: securities 8.4 In order to meet the credit needs of our 3 Collateralised Service Charges for affiliates and the day-to-day Banking needs, Borrowing & Lending lending in CBLO Obligation (CBLO) & platform your Bank had borrowed funds from Call Clearcorp

85 Technology Maintenance of Minimum Average Daily Balance under Section 42(1) of the Reserve Bank of India a. Real Time Gross Settlement (RTGS) 8.6 Act, 1934 (CRR): During the year under review, your Bank had 8.8 During the year under report, your Bank has transacted to the tune of Rs. 1,27,032.15 maintained the required amount of CRR on all Crores (18,933 Transactions) and the fortnights without any default and thus Rs. 1,28,911.51 Crores (25,525 transactions) complied with Section 42(1) of RBI Act, 1934. as Inward and Outward remittances, respectively, through RTGS. In order to Movement of Bank Rate, Repo Rate & Reverse encourage the affiliated DCCBs, your Bank is Repo Rate offering the RTGS services at ‘free of cost’. 8.9

b. National Electronic Funds Transfer (NEFT) Reverse Effective Bank Repo Repo SLR CRR from Rate During the year under report, your Bank had Rate Rate received 211264 messages as NEFT inward value to the tune of Rs. 1,58,310.13 lakhs and 07.04.2015 8.50% 7.50% 6.50% 21.50% 4.00% sent 259298 messages as NEFT outward value 02.06.2015 8.25% 7.25% 6.25% 21.50% 4.00% to the tune of Rs.1,23,175.72 lakhs. 04.08.2015 8.25% 7.25% 6.25% 21.50% 4.00% 29.09.2015 7.75% 6.75% 5.75% 21.50% 4.00% c. RTGS/NEFT Sub-Membership 01.12.2015 7.75% 6.75% 5.75% 21.50% 4.00% In order to extend the benefit of RTGS/NEFT 02.02.2016 7.75% 6.75% 5.75% 21.50% 4.00% to the customers of DCCBs, your Bank had admitted all the 23 DCCBs in the State, along The Auditors of the Bank have been with Pondicherry State Coop. Bank, as its Sub- periodically auditing the activities undertaken Member for RTGS/NEFT on 26.11.2014, by by the F&I Section. The dates of submission giving individual IFSCs for each Bank. The of quarterly audit reports to RBI, during the above facility enabled the DCCBs/SCB to period under report, are furnished below: transfer funds through RTGS/NEFT not only Sl. Period Treasury on their behalf, but also on behalf of their No. Audit customers also. During 2015-16, your Bank 1. 4th Quarter 24.04.2015 has admitted TAICO Bank as its sub-member (4th Qr. ended 31.3.2015) for RTGS/NEFT on 18.06.2015 and IFSC 2. 1st Quarter 27.07.2015 allotted is TNSC0015000. (1st Qr. ended 30.6.2015) 3. 2nd Quarter 29.10.2015 Maintenance of Liquid Assets as per Section 24 (2nd Qr. ended 30.9.2015) of the Banking Regulation Act, 1949 (As 4. 3rd Quarter 28.01.2016 Applicable to Cooperative Societies) (SLR): (3rd Qr. ended 31.12.2015) 8.7 During the year under report, your Bank has RBI Circular on Maintenance of SLR by DCCBs maintained on a daily basis, Liquid Assets at and its impact the required level of the Time and Demand Liabilities and has complied with the 8.10 The Reserve Bank of India, vide its Circular requirements of Section 24 of the B.R. Act No. RPCD.RCB.BC.No. 110/ 07.51.020/ 1949. 2013-14 dated 05.06.2014, have communicated the following:

86 “Pursuant to the enactment of the Banking Laws Entire SLR, as may be prescribed by Reserve (Amendment) Act 2012, giving powers to RBI Bank of India on that date, should be invested to specify the percentage of CRR for Non- in Approved Securities by 31.03.2017. Scheduled State Cooperative Banks and all Incremental NDTL Central Coop. Banks and the percentage of Apart from that, the incremental NDTL over SLR as well as the form and manner of the position as on 25.07.2014 should be holding SLR by Coop. Banks, it has been maintained only in the form of approved decided to increase the CRR for Non- securities. Scheduled SCBs and all CCBs by 100 basis points from 3% to 4% of their total net demand Role of Apex Bank and time liabilities, on par with Scheduled 8.12 On receipt of the above guidelines of RBI, SCBs, with effect from the fortnight beginning your Bank had: July 12, 2014. Placed the same before the Board of Further, it has been decided to reduce the SLR Management of the Bank and got it approved. for all SCBs and CCBs by 250 basis points Analysed the impact of deposit outflow from from 25% to 22.5% of their total NDTL with your Bank and submitted the same to the Board effect from the fortnight beginning July 12, 2014. of Management and NABARD. SCBs and CCBs not maintaining SLR in the Conducted training programmes not only for form and manner specified in the Notification the benefit of the Chief Executives of the RPCD.RCB.BC.No. 109/07.51.020/ 2013- DCCBs, but also for the officers at the desk 14 dated June 5, 2014 are given time upto level. March 31, 2015 to comply with instructions Advised all the DCCBs to follow the guidelines contained in the said Notification. In the interim of RBI scrupulously with reference to period, SCBs and CCBs may continue to maintenance of SLR. maintain SLR as per extant instructions. Purchased securities on behalf of DCCBs in However, term deposits held by SCBs and our State in order to comply with the CCBs with Public Sector Banks will also be stipulations of RBI. eligible for being reckoned for SLR purpose in Advised all the DCCBs to place the above the interim period, upto March 31, 2015". guidelines of RBI in their respective Boards of Revised RBI Circular dated 20.07.2014: Management. 8.11 Subsequently, based on representations from Advised all the DCCBs to have their own SCBs and NAFSCOB, RBI, vide its Investment Policy incorporating the Notification RBI/2014-15-139 RPCD. guidelines of RBI. RCB.BC.No. 16/07.51.020/ 2014-15 dated Your Bank in coordination with NABARD, 21.07.2014, revised the above norms, as designed a format for maintenance of two follows: fold compliance of SLR and circulated the same to the DCCBs for maintenance, in 5% of NDTL should be invested in addition to the existing format Approved Securities by 31.03.2015. During the year under report, your Bank had 10% of NDTL should be invested in purchased securities for FV of Rs.3468.66 Approved Securities by 31.03.2016. Crore on behalf of all the DCCBs in the State of Tamil Nadu.

~~Development Action Plan~~

Introduction of DAP performance obligations of the Bank for five years from 2014-15 to 2018-19 as in the case 9.1 On the advice of the Government of India, of earlier years. Further, the Apex Bank has NABARD introduced the concept of advised the DCCBs to prepare Performance Development Action Plan for the S.T. Coop. Obligations and Key Action Points for five Credit Structure with an overall view of bringing years from 2014-15 to 2018-19. All the sustained viability to all the PACCS and DCCBs have prepared the same and DCCBs in the State. So far, Memorandum of submitted to the Apex Bank. Based on the Understanding had been entered into by the above performance obligations, the growth Government of Tamil Nadu and the Apex Bank achieved at DCCBs/PACCS level is being with NABARD in 4 phases from 1994-95. The monitored by DLMRC on quarterly basis. 1Vth phase of Development Action Plan However, MoU was not entered in to between (DAP)-MoU was executed on 05.05.2008 by SCB and DCCBs since NABARD has not the Apex Bank and the Govt. of Tamil Nadu been insisting upon execution of DAP- MoU with NABARD covering a period of five years from the year 2012-13. from 01.04.2007 to 31.03.2012 with certain revisions/modifications, which were essential for Phase-V: NABARD, Mumbai, vide letter making the said exercise more institution- No.NB.IDD.COOP/1649/DAP-43/2014-15 specific and participative. Your Bank dated 31.03.2015 has advised the StCBs to subsequently executed MoUs with DCCBs and take up the exercise of preparation of the DCCBs, in turn, executed MoUs with their Development Action Plan for two financial respective affiliated PACCS. years i.e. 2015-16 and 2016-17. Taking into 9.2 Upto III-Phase, the progress achieved at all account the availability of local potential the three tiers was being reviewed on half-yearly and the resource capabilities of individual basis at the State Level Monitoring Committee DCCBs/PACCS, the lending projections may Meetings convened by the Apex Bank. From be redrawn and built in the DAPs. NABARD the commencement of 1Vth Phase of DAP/ advised to prepare plan for the above two MoU, the NABARD, R.O., Chennai has been years on account of RBI’s circular dated reviewing the progress achieved at all the three 7.1.2014; Cooperative Banks have been tiers on quarterly basis by constituting State advised to attain and sustain CRAR of 7% and Level Task Force (SLTF). In addition, the 9% by 31.3.15 and 31.3.2017 respectively. growth achieved at DCCBs/PACCS level was Accordingly, the DAP projections of your Bank being monitored at District Level Monitoring has been redrawn and a revised Board and Review Committee Meetings (DLMRC) approved plan has been prepared. All the on quarterly basis. DCCBs also had redrawn their plan of action for the years 2015-16 and 2016-17 and 9.3 Though NABARD is not insisting upon DAP- executed MoU with your Bank. In the similar MoU from 01.04.2012, the Apex Bank has lines the DCCBs were requested to carry out continued the process and prepared the exercise for PACCS at the DCCBs level.

~~88 District Level Monitoring and Review % of recovery % of recovery Bank Committees as on 31.03.2015 as on 31.03.2016~~

9.4 At DCCBs level, 89 DLMRC Meetings had SCB 98.62 98.52 been convened during the year under report DCCBs 92.68 91.28 to review the progress made by the DCCBs PACCS 91.63 88.97 and PACCS. Based on the review, the DCCBs were advised to take appropriate Viability Position of PACCS: steps to fulfill the objectives of DAP 9.8 Your Bank reviews the viability position of wherever shortfall was noticed. PACCS every year and issues necessary The progress made in the implementation of guidelines to the DCCBs to improve their the Plan during the reporting year is as follows: viability position by increasing the loan outstanding of PACCS above Rs.2 Crore Deposits: each from the year 2012-13.

9.5 As against the DAP Target of Rs.9,000 Crore, The comparative viability position of the the Deposit position of your Bank has been at PACCS as on 31.3.1994, 31.03.2014, Rs.8,212.37 Crore as on 31.3.2016. The total 31.3.2015 and as on 31.03.2016 is given deposits position of all the DCCBs increased below: from Rs. 22748.75 Crore as on 31.3.2015 to Particulars 31.03.94 31.03.14 31.03.15 31.03.16 Rs.25,705.41 Crore as on 31.3.2016 (Before Audit). At PACCS level, the deposit position No. of viable 1280 3289 3281 3269 has increased from Rs.7,253.61 Crore as on PACCS 31.3.2015 to Rs.8,161.32 Crore as on 31.3.2016 (Before Audit). No. of potentially 2226 1010 982 983 viable Loans and Advances: PACCS 9.6 Your Bank had issued loans to the extent of No. of Rs.7,564.06 Crore as against the target of unviable 1083 231 228 228 Rs.11,500 Crore during the year 2015-16. Of PACCS which, Rs.3,538.77 Crore was issued for Total 4589 4530 4491 4480 Agricultural purposes and the balance for Non-agricultural purposes. The DCCBs had Computerisation of Basic Data of PACCS & issued loans to the extent of Rs.26,261.34 DCCBs Crore and the PACCS to the extent of Rs.20,334.42 Crore during the year under 9.9 Your bank continues to receive the monthly report. performance data in electronic form from the PACCS & DCCBs through the website Recovery Performance: www.tnstccs.com which are being viewed at 9.7 The following table depicts the comparative the higher level for analysis and for effective position of the recovery performance of all monitoring and guidance for the business loans as on 31.3.2015 and 31.3.2016 at the development of STCCS. SCB, DCCBs and PACCS levels.

~~Human Resources Development~~

10.1 As per Hon’ble Supreme Court Order, 7th programmes conducted by reputed institutes instalment of Rs.2.96 crores for the year as detailed below: 2015-16 has been paid into Pension Corpus Fund maintained with LIC of India. No. of Name of the No. of Staff Institute Programmes In accordance with Gratuity Act 1972, the attended Gratuity amount maintained with LIC of India BIRD,Mangalore has been funded with Rs.6.01 crores. 2 4 IDRBT, Hyderabad 2 3 Training Programmes conducted at ACSTI RICM, Bangalore 1 2

10.2 During the financial year 2015-16, your Bank Total 5 9 has imparted training to 105 staff of the Bank for the 10 training programmes conducted at General ACSTI. 10.4 In short, during the year under report, your The category wise details of staff who have Bank has imparted training to 114 Staff undergone training at ACSTI are furnished Members through 15 programmes, as below: detailed below:

~~Institutes Officers 82 Particulars ACSTI in other Total Assistants 18 States Sub-Staff /Driver 5 No. of Programmes 10 5 15~~

~~Total 105 Officers 82 9 91 Assistants 18 -- 18 Training Programmes conducted in other States Sub-Staff / Driver 5 -- 5~~

~~10.3 During the year under report, your Bank has Grand Total 105 9 114 nominated 9 Officers for the 5 training~~

90 Training to the Students b. Project Work of Students 10.5 Based on the request of the During the year, your Bank assisted Educational Institutions, your Bank is 36 students of various colleges in completing providing support to the student community by their project work in your Bank. permitting them to visit your Bank for one day training. For this purpose, your Bank c. Four -Weeks Training Programmes to the used to depute one of the Officers to handle a Students of Colleges session on the working of the Bank to the During the year under report, your Bank has students of the colleges. Your Bank is also imparted 4 weeks practical training to giving practical training to the students for 364 students of various colleges. one week / one month. Recruitment of Assistants through SRB: The details of training imparted to the student community during the year (2015-16) under 10.6 The Joint Registrar / Controller of report are furnished below: Examination, State Recruitment Bureau, O/o. RCS vide letter No.04/2014/SCB dated a. Visit by College Students for One Day Training 30.3.2015 has forwarded the selected Programmes candidate list and your Bank has appointed 69 candidates for the post of Assistants No. of Institutions - 8 during the year 2015-16. No. of Students - 346

~~Agricultural Coop. Staff Training Institute~~

11.1 ACSTI was established on 15.11.1989 in a The interest shown by your Bank in training rented building at Adyar with NCDC more personnel of Coop. Banks has been contribution of Rs.1.10 Crore and Rs.1.35 appreciated by NABARD, NCDC and Crore by TNSC Bank, ACSTI moved to its NAFSCOB. The development of the Institute prestigious own building on 18.11.1992 is evidently present in the increase of various constructed in 4.83 acres of land at programmes as well as in the number of Madhavaram Milk Colony, Chennai. participants, it has trained so far. With the guidelines of the NABARD, a Committee had ACSTI has 4 Nos. of Class Rooms of which been formed under the Chairmanship of the 3 Class Rooms with A/C facility and one air President of your Bank to monitor and guide conditioned Computer Lab with 23 systems, the Institute in preparation of Annual Training three discussion rooms, one big library with Programme Calendar, Institute Administration books on various subjects, 50 double & Development activities of the Institute. occupancy rooms in the Main Hostel Block and a separate Hostel Block for Lady Training Programmes Participants to accommodate 24 persons, 11.3. The Calendar of Training Programme of ACSTI facilities for indoor & outdoor games, for the year 2015-16 was discussed at length recreation room, beautiful gardens maintained and was approved in the Standing/Training to create a healthy atmosphere for good Advisory Committee Meeting held on learning of the Participants. 11.03.2015. 11.2. The details of Personnel trained by your ACSTI since its inception till the end of As against the scheduled programmes of 145, the reporting period i.e., 31.03.2016 are the Institute had conducted 130 programmes the details of which are as follows:- given in the table below: Details of training progs. conducted from No. of From To No. of 01.04.2015 to 31.03.2016 Programmes Trainees 31.03.2004 829 23643 15.11.1989 Scheduled Programmes 01.04.2004 31.03.2005 89 2005 01.04.2005 31.03.2006 81 2001 01.04.2006 31.03.2007 51 1178 In house 101 01.04.2007 31.03.2008 89 2019 On location 9 01.04.2008 31.03.2009 94 2330 01.04.2009 31.03.2010 138 3319 Special Programmes 20 01.04.2010 31.03.2011 194 5231 01.04.2011 31.03.2012 286 10160 01.04.2012 31.03.2013 93 2997 Performance highlights of the year 2015-16: 01.04.2013 31.03.2014 115 3853 01.04.2014 31.03.2015 123 4317 * Against 145 scheduled programmes, ACSTI 01.04.2015 31.03.2016 130 3552 had conducted 130 programmes and extended Total 2312 66605 training to 3552 participants.

92 * 9 On-location Training Programmes were Z Special Programme on “Cyber Crimes – Types conducted. of Attacks – Working and Counter Measures” conducted for TNSC Bank Managers at Head * Average Participants level: Office. 1. In house Programme - 26.97 Z Special Programme on “Nurturing Co- 2. Special Programme - 35.00 operatives as Institutions for Developing 3. Average participation - 27.53 Agriculture and Allied Activities” (NCDC Special Programme) conducted for various Special Programmes conducted at ACSTI: Department Officials from 30.11.2015 to Z One Day Workshop on “Latest Trends in 03.12.2015. Banking” conducted in Two Batches for Z Chennai CCB on 19.04.2015 and 26.04.2015. Induction Training Programme for Auditors of Milk Cooperatives conducted from Z Special Programme on “BDP, Common 29.12.2015 to 30.12.2015. Accounting System and Management Z NABARD sponsored Programme on Information System” conducted in two Batches “Payment Systems On-Boarding for Co- for Presidents and Secretaries of PACS in Salem operative Banks” conducted for the Officials Region for a period of 3 days from 08.07.2015 of DCCBs from 07.01.2016 & 08.01.2016. to 10.07.2015. Z Z Master Trainers’ Training Programme on Refresher Workshop for Deputy Registrars working under the control of Registrar of Co- “Common Application Software” conducted in Six Batches, with duration of 3 days each, operative Societies conducted from 10.03.2016 conducted for the Master Trainers of to 12.03.2016. PACCS during the months of July 2015 and Z Induction Training Programme for New October 2015. Recruits of Cuddalore DCCB conducted on Z Special Programme on “BDP, Common 30.03.2016 at Cuddalore DCC Bank, as On- Accounting System and Management Location Training Programme. Information System” conducted for New Programmes conducted Presidents and Secretaries of PACCS in Namakkal Region for a period of 3 days The Institute conducted the following new from 20.07.2015 to 22.07.2015. programmes during the year under report. Z Z One Day Workshop on “Effective Bank Programme on Investment and Credit Policy Management” conducted for staff members Z Workshop on System Audit of 5 Urban Coop. Banks in Chennai Region on 26.07.2015. Z Programme on Audit under Computerized Envionment Z Special Programme on “BDP, Common Z Accounting System and Management Programme for Coop. Auditors Information System” conducted for Z Programme for Chartered Accountants Presidents and Secretaries of PACCS in Erode Region for a period of 3 days from Z Accreditation of Warehouses and Financing 27.07.2015 to 29.07.2015. against NWR 93 Z Functioning of Various Committees of training extended to the personnel of Apex Bank, DCCBs & PACCS. An MoU was Z Cash Management and Fake Note Detection signed by your Bank with NABARD on Z On-Location Programme on “Effective Branch 11.04.2000 in this regard. Details of Management” assistance received are as follows: (Rs. In lakhs) Achievements of ACSTI Amount Received from 11.4 For the Tamil Nadu Z Accredited by C-PEC, BIRD, Lucknow year NABARD Coop. Union Z Conducted 2312 Programmes since its 1994 to 2005 111.73 - inception 2005 - 2006 13.15 12.05 27.81 Z Imparted quality training to 66605 Staff of 2006 - 2007 9.21 Coops. 2007 - 2008 20.85 25.00 2008 - 2009 28.91 25.00 Z ACSTI proudly received the Best 2009 - 2010 57.42 70.63 Performance Award - Third Prize for the year 2010 - 2011 59.41 41.64 2012-13 and First Prize for the year 2013- 2011 - 2012 53.33 15.05 14, instituted by NAFSCOB for Training 2012 - 2013 30.40 39.82 Institutes run by SCBs, on 08.06.2015 in 2013 - 2014 53.57 39.82 the Board Meeting of NAFSCOB held at 2014 - 2015 68.10 30.50 Mumbai. 2015 - 2016 57.39 37.06* Z Won the National Award in the National Colloquium held at New Delhi on 01.02.2014, * Financial assistance is awaited from Tamil as Second Best Performing ACSTI. Nadu Cooperative Union

NAFSCOB Award During the year 2015-16, your Bank had spent Rs.139.17 Lakhs for training 3552 The Overall Best Performance Award (III Prize) personnel from various Cooperatives. for the Training Institutes run by State Co-op. Banks for the year 2014-15, instituted by Faculty Development NAFSCOB, was given to your ACSTI, at the function held at New Delhi on 21.03.2016. During the year under Report, ACSTI had utilized the services of a Deputy General Thiru. R. Karthikeyan, Managing Director of Manager, 2 Chief Managers and a Manager of your Bank and Thiru. S. S. Krishnamoorthy, the Bank as Resource Persons / Faculty AGM / Principal, received the said Prestigious Members. Besides, 2 Retired GM / DGMs of Award , in the presence of Tmt. Jayashre NABARD, Retired AGM of Bank of India and Muralidharan, I.A.S., then Registrar of Co-op. a Retired Chief Manager of TNSC Bank as Societies. Faculty Members at ACSTI. Further, Professionals viz., Chartered Accountants, NABARD’s Financial Assistance Lawyers, Doctor, Veterinary Doctors, Retired 11.5 From the year 1994-95, ACSTI has been Police Officers were engaged as Guest Faculty availing Financial Assistance offered by Members of ACSTI. NABARD under SOFTCOB to cover the cost 94 As per SOFTCOB Policy, the Faculty Upgrading the Infrastructure Members of ACSTI, should have passed 11.8 Your Bank has taken the following the ‘Certified Trainer for Financial initiatives that are directed towards maintaining Cooperatives (CTFC)’, conducted by and upgrading the infrastructure facilities at C-PEC / BIRD, Lucknow. The Principal and ACSTI. all the Faculty Members of ACSTI have passed CTFC Course, except two Faculty 5 Air-conditioning of Conference Hall has Members who have joined the said Course been planned to be completed during very recently. 2016 – 17.

ACSTI’s Library :- 5 Lecture Hall for the Fourth Channel has been developed with 6 split air-conditioning units. 11.6 ACSTI has fully utilized the grant given by Furniture for this class room has been NABARD for purchasing Library Books. 99 purchased from and out of the Financial new books, at a cost of Rs. 38,356/- have Support of NABARD under Capital been purchased and added to the Library of Expenditure Assistance amounting to Rs. 4.96 ACSTI. Besides, ACSTI has also purchased Lakhs. books on new titles from its own funds. 5 Training Conducted during 2015 - 16 The Class Room has been put into use during the current year. 11.7 Details of the Staffs trained organization-wise 5 Mess (Dining Hall) has been renovated. The are as follows: worn out mosaic floor has been replaced with marbonite flooring and colour washing No. of Sl. Name of the Organisation persons done. New dining tables and chairs were No. trained replaced.

1. TNSC Bank 91 5 Two Laptops, at a cost of Rs. 97,540/- have 2. Dist. Central Coop.Banks 1146 been purchased with the Financial 3. Primary Agrl. Coop. Credit 1894 Assistance of NABARD. Society 4. Coop. Urban Banks 94 5. Coop. Auditors 44 6. Auditors of Milk Cooperatives 45 7. Departmental Officers from 32 various Departments viz. O/o. RCS, Fisheries, Animal Husbandry and AAVIN 8. Deputy Registrars working under 206 the control of Registrar of Coop. Societies

~~Total 3552~~

~~Computerisation~~

IT Initiatives of the Apex Bank Periodically, the banking operations are to be performed from DR centre to ensure that the 12.1 Your bank has taken many IT initiatives to hardware and other software components provide technology based services to your are in a state of readiness to meet the clientele. Your bank is a forerunner in adopting eventuality. This activity, termed as DR Drill, is technology in the Cooperative Banking Sector. mandated by RBI to ensure Business Continuity. Core Banking Solution (CBS) During the year under report, your bank 12.2 Your Bank implemented Core Banking Solution performed DR Drill thrice as detailed below: in all the branches by January 2011. Further various Head Office modules were brought Description under CBS by January 2013. During the year Date under report, your bank further improved the 13.06.2015/ CBS, ATM, Net Banking & CBS application and implemented the following 14.06.2015 Mobile Banking enhancements: 25.08.2015 to 03.09.2015 Net Banking Opening of Term Deposit was simplified by integrating various screens to one. This facility 24.02.2016 to CBS, Net Banking / Mobile Banking, has made the account opening process easier 26.02.2016 RTGS / NEFT Transactions & faster; Your bank had thus tested the readiness of Prime Minister’s Insurance schemes - PMJJBY DR successfully. and PMSBY were introduced through our branches on 17.02.2016; Upgradation of Hardware 12.4 Your bank’s hardware components are under Tax Deducted at Source (TDS) on Term Annual Maintenance Contract with IBM. Deposit for the bank as a whole as directed Periodically, the upgradation patches released by Income Tax Authorities was implemented by IBM are to be installed in the Hardware during March 2016; component to get support and replacement of Training college (ACSTI) accounting equipment from IBM in the event of any operations were brought under CBS. eventuality.

Business Continuity Plan During the Year, your bank carried out Firmware upgradation for SAN Storage; 12.3 Your bank established Disaster Recovery SAN Switch and SVC during May 2015 in Centre at Bengaluru to continue the banking DR, Bengaluru and during June 2015 in services in the event of any eventuality like shut CDC, Chennai and simultaneously performed down of Data Centre at Chennai for reasons DR Drill. beyond our control. 96 Upgradation of SSL Certificate was implemented on 28.01.2016.The Bandwidth of both R.Com and SIFY was 12.5 Your bank’s NeT Banking website, upgraded from 512 kbps to 2 mbps to have www.tnscbank.net was having HTTPS auto switch over facility. certification EVSSL (Extended Validation Secured Socket Layer) with SHA 1 (with Net Banking 128 bit encryption). 12.7 Your bank continued to provide On-Line transactions, Utility Bill Payment Facility The EVSSL was to be upgraded with SHA 2 through Bill desk, Remittance of Electricity (With 256 bit information) from SHA 1 enabling Consumption charges and SMS alerts under our customers to use all browsers like Mozilla, Net Banking to Corporate & Retail Firefox, Google Chrome upgraded version, customers. The details are given below: Internet Explorer etc. to access net banking. Sl. No. of Amount Year Your bank with the assistance of Tata No. Transactions (Rs. in crores) Consultancy Services upgraded EVSSL to 1. 2014-15 132140 5107.76 SHA2 in August 2015 by enabling the net 2. 2015-16 167373 2623.37 banking operations from DR Bengaluru. Other Features Added: Electronic Payment System ( RTGS/NEFT) Retail Customers:

12.6 Your bank continued to provide RTGS/NEFT Z Auto download of MIS report for facility to customers and through DCCBs TANGEDCO was enabled; throughout the state. The details of transactions Z TANGEDCO was facilitated to download the handled during the year are given below: Account Statement directly from our web site.

No. of Amount in Z The time line for OTP validation for funds Year Transactions crores transfer has been reduced to 5 minutes 2015-16 - RTGS - 18261 RTGS - 250 753 Your bank continued to provide SMS Alert Apex Bank NEFT - 220705 NEFT - 2067 services to all customers. The details are as 2015-16 - RTGS - 26197 RTGS - 5191 follows: DCCBs NEFT - 286199 NEFT - 2834 Amount Year No. of messages sent during the year (Rs. in lakh)

~~Added Features during the year 2015-16 24 lakhs 2.44~~

Multi Protocol Label Switching (MPLS) ATM Switch connectivity is provided as per IDRBT guideline for RTGS/NEFT services. The 12.8 Your bank implemented the switch software connectivity is provided by two vendors during November 2013 after thorough viz. 1. R Com & 2. SIFY. IDRBT advised to testing with the assistance of TCS and ATM- have Auto Failover Facility under which SWITCH developer M/s. Yelamanchelli when ever one connectivity is lost due to Software Exports (YSE). The ATM technical reasons the other will get connected transactions are handled by the switch since automatically without manual intervention, then. Your bank is a Direct Member of NPCI, thus providing seamless services. The facility permitted to admit Sub Members and issue 97 RuPay cards to be transacted in ATM, PoS and The certification process with NPCI was E Com merchants. Your bank paid Rs.4 lakhs completed in September 2015 .As advised by towards NPCI – NFS Direct membership fee NPCI, your bank allowed Acquirer transactions on 13.08.2015. (Utilising Other bank ATM Cards in our ATMs) to happen in the available 6 ATMs since Progress of Issuance of RuPay Cards 05.10.2015. Your bank had also earned 12.9 Your bank had initiated steps to become interchange charges of about Rs. 2.25 lakhs. member of NFS (National Financial Switch) Issue of RuPay Cards and issue RuPay card through NPCI (National Your bank made arrangements with the Switch Payments Corporation of India). The Switch Service provider M/s YSE to provide following: interface had to be certified by NPCI after testing to check whether the functionalities of 5 Card Blocking Facility (when ATM Card is switch are meeting with the standards of NPCI. lost by customer, to inform the bank through SMS/Net Banking/ Mobile Banking) ; The Certification process was commenced on 31.01.2015 with the assistance of ATM 5 Metro Count Software to collect Charges SWITCH developer M/s YSE and obtained from our customers when they use other bank the certificate on 07.09.2015.And then on test ATMs and basis, 5 Reconciliation Solution a) Issued cards to our bank employees with the With the approval of the Board of Management facility of access 5 other bank ATM (Indian on vide proceeding No. 99 dated 14.07.2015. Bank, State Bank of India, Axis Bank, ICICI However M/s YSE did not execute the Work Bank and Canara Bank) Order.

b) Allowed other Banks to transact in our ATM Your bank was therefore not in a position to using their cards issue RuPay cards to the customers, in the absence of these components. Meanwhile RBI has mandated to issue Chip Finalisation of DCCB Tender for Installation of Based EMV compliance chip cards from ATMs 01.09.2015 and subsequently extended the time line for issuance of chip cards up to 12.10 RCS vide Letter RC. No. 34225 /2013/ CBP 01.02.2016. 1 Dated 09.11.2015 had advised your bank to initiate Tender process as per the provisions of NPCI mandated the daily Reconciliation and The Tamil Nadu Transparency in Tenders Act mentioned only after the testing of 1998 and identify the Application Service Reconciliation, NPCI will issue authority to Provider for installation of 50 ATMs in all provide RuPay Cards. Your bank made DCCBs across the state under ASP arrangements with the Switch Service (Application Service Provider ) model. provider M/s.YSE to provide Reconciliation software and to have add – on services like Your bank appointed M/s.KPMG as PoS (Point of Sale), E Commerce and Chip Consultant by following due Tender process for card interface and finalised commercials with preparation of Tender and identification of the approval of the Board of Management on Service Provider for DCCBs. The tender was vide proceeding No. 99 dated 14.07.2015. prepared and floated on 27.01.2016. The tenders were further evaluated and the vendor 98 has been finalised under ASP Model. The Your bank is approved by NPCI to receive Vendor System Integrator will provide all and send government subsidies to AADHAR ATM related services Viz. ATM Installation, seeded beneficiaries under APBS. Switch software Implementation and Your bank is doing ECS Debit/Credit settlement Maintenance, ATM Card management, using Internet facility with Password, from Reconciliation Process and Cash now transaction is processed through direct Management services on Monthly Rental Data file download which is enabled using Basis. But not finalized. Host to Host – H 2 H method by NPCI’s Roadmap for Apex Bank Automated Clearing House (ACH) and it is secured because of NPCI NET which is 12.11 Considering the lead role that Apex bank has under NACH. For NACH products, your to play in providing the latest technology for bank is the sponsor bank for DCCBs and DCCBs, take them on board as sub members they are admitted as its sub members. of NPCI and function as the Settlement Banker Reconciliation of A/c with RBI is handled by for DCCBs. Your bank is contemplating to your bank on behalf of the DCCBs. migrate to the new switch along with DCCBs under ASP Model and avail of related services Other Policy Decisions: at the rate finalised for DCCBs, since it 12.14 would be beneficial to all other cooperative i) Adoption of IT & IT Security Policy institutions. As per recommendations of Gopalakrishnan Your bank is also planning to replace the 10 Committee of RBI, your Bank adopted IT year old 6 ATMs and expand the ATM Net Security policy (with IS Audit procedures ) and work by adding additional ATMs along with IT Policy encompassing the procedures for DCCBs. adoption of Information Technology in the Your bank has sought necessary business process, Procurement process, administrative approval from the Registrar of conduct of Information Security Audit by third Coop Societies in this regard. party agencies etc. and has been following best practices adopted in the banking industry. The Mobile Banking Policies were prepared by M/s Yoghanand & 12.12 Mobile Banking facility was dedicated to the Ram, Information Security Auditors and customers by Hon’ble Chief Minister of approved by Board of Management on Tamilnadu on 11.01.2016.So far 1843 14.07.2015 and 20.11.2015. customers have downloaded the app and utilised. ii) Post Facto Approval for Net Banking Reserve Bank of India vide circular RBI/ Implementation of NPCI Products: 2015-16/229 DCBR. BPD. (PCB/ RCB) Cir. 12.13 Currently your bank is a Direct Member of No. 6 /19.51.026/2015-16 dated November NPCI and has installed NPCI NET both at 05, 2015 has prescribed detailed Guidelines CDC Chennai and DR Bengaluru. Your bank to be adhered to by all SCBs /DCCBs and has implemented NPCI Products Viz. CTS CUBs to provide Net Banking facility. RBI (Cheque Truncation System), APBS (Aadhar has directed those SCBs who are already Payment Bridge System), NACH (National providing Net Banking facility to get post facto Automated Clearing House) and DBT (Direct approval within one month from the date of Benefit Transfer). circular. As directed by RBI your bank has 99 applied to RBI through NABARD on 31.07.2014 and ATS for 4 years up to 04.12.2015 seeking post facto approval for 31.07.2018. As per tender terms ATS having implemented Net banking in the Apex charges were determined. Your bank paid bank. Your bank has provided additional ATS Charges for the year 2015-16 clarifications/ documents as required by RBI/ amounting to Rs.17,75,148/- on 29.10.2015. NABARD and the request is under active b. Net Banking: consideration of RBI. As reported last year the Warranty for Net iii. Vulnerability Assessment and Penetration Banking was determined from 01.08.2013 to Testing (VAPT) 31.07.2014 and ATS for 4 years up to RBI prescribed to carry out VAPT for net 31.07.2018. As per tender terms, ATS banking application software to ensure charges of Rs.2,96,000/- were determined at transaction security for customers, as part of 7.40% of the total Net Banking Cost of Guidelines for providing Net Banking facility Rs.40,00,000/. Your Bank during the year to customers. Our bank identified M/s under report incurred the following expenses Yoghanand & Ram – IS Auditor – through towards Net Banking: Quotation process and entrusted the work to Amount Particulars carry out VAPT at the cost of Rs. 1.60 Lakh. in lakhs The test was conducted at two levels ie. BSNL Internet leased line charges paid for Vulnerability Assessment on Net Work devices DRC, Bengaluru - 1 mbps for 2015-16 on 0.85 and servers and Penetration testing for 16.03.2016 and for CDC, Chennai - 2 mbps on Application software. VAPT was commenced 16.03.2016. on 29.01.2016 and completed on 29.03.2016 R-COM Internet Leased Line charges paid for in seven slots. The Report is awaited from IS CDC, Chennai for the period from 01.06.2015 0.79 Auditor. to 31.05.2016 on 27.05.2015 iv. Oracle License Review ATS Charges for Net Banking Application Oracle Corporation had initiated the process Software for the first year (01.08.2015 - 2.96 of auditing the Oracle RDBMS Licenses to 31.07.2016) paid to M/s. TCS on 26.08.2015 ensure that the Licenses that are used by SMS Charges paid to M/s. Value first Media your bank is in conformity with the purchased Digital Pvt Ltd., for the period from March 2.44 quantity. Your bank with the assistance of 2015 to Feb 2016. Tata Consultancy Services provided the Total details and furnished to Oracle Corporation. 7.04 In order to comply with Licensing Oracle Corporation undertook Review of Requirement, your Bank procured 6 Nos. of Oracle Licenses utilised by your bank for CBS, Oracle Web Logic through TCS at a cost of NET BANKING ATM Switch etc. Tata Rs.42.79 lakhs thus complied with the Consultancy Services advised to procure Licensing Requirement of Oracle. Oracle Web Logic 6 nos. to comply with IT Expenses Incurred During 2015-16 Licensing Requirement of Oracle a. Core Banking Solution: Corporation. After obtaining opinion from IS Auditor, your bank decided to procure Oracle 12.15 As reported last year the Warranty for CBS Web Logic 6 nos. The product was available was determined from 01.08.2013 to under ELCOT Rate Contract. 100 Your bank obtained quotes from TCS and Minister on 11.01.2016 as one more Delivery ELCOT, determined the low cost with TCS channel to provide banking service to all our and procured Web Logic at a cost of customers. Mobile banking Application can be Rs.42.79 lakh, on 19.03.2016 and thus downloaded from Google Play Store in complied with the Licensing Requirement of Android Mobiles at free of cost. Oracle. Amount Particulars c. Management of Data Centre and DR Centre: in lakhs Your Bank during the year under report FIRST Milestone payment for incurred the following expenses towards requirement Freezing – paid on 7.00 management of DC/DR. 16.07.2015 Amount Description SECOND Milestone payment for in lakhs Installation, Customization – paid on 10.00 Cost of TCS Resources to TCS{DC + HO 22} 19.11.2015 172.94 for CBS Support from March 2015 to THIRD Milestone payment for GO – 7.30 February 2016 - Monthly Live to production – paid on 19.01.2016 Cost of Rack Space & Work Seat ( DC 5 ; DR 35.13 Total 24.30 1} - paid on 11.06.2015 4 mbps Leased Line Charges to R.COM – INFINET Applications ( RTGS/NEFT) : DC-DR - (01.04.2015 to 31.03.2016) paid on 3.40 11.06.2016 Your bank is providing funds transfer facility to its customers and also to the customers of 2 mbps Leased Line Charges to R.COM – H.O DCCBs by admitting them as sub members. to CDC (01.06.2015 to 31.05.2016) paid on 0.50 The expenses incurred towards RTGS/NEFT 11.06.2015 during the year under report are as follows Voice Link Charges to RCOM -15.03.2015 to 0.40 (Excluding Taxes) 14.03.2016 Lease Line Charges for all Branches, HO & Amount in Description ACSTI to BSNL(2015-2016) on 04.03.2015 9.60 lakhs advance payment to BSNL MPLS Charges paid to RCOM 1.40 Reliance IDC power consumption charges for Novemer 2014 to November 2015 due to Tariff 6.78 MPLS Charges paid to SIFY 1.44 Revision by TNEB INFINET charges for 2015-16 paid to 1.50 Total 228.75 IDRBT on 07.01.2016 d. Mobile Banking Total 4.34 Honourable Chief Minister of Tamil Nadu on Cheque Truncation System 01.08.2014 announced in Tamil Nadu State Assemble under Rule No.110 that Mobile Your bank has paid Rs. 29,117/- on Banking facility would be introduced in the Apex 16.03.2016 to BSNL for Leased Line Bank to improve the customer service. between HO and FORBES for supporting Accordingly, `Mobile Banking facility was the Cheque Truncation System (CTS). introduced in your bank by the Hon’ble Chief

101 e. Renewal of Annual Technical Services for f. Renewal of Annual Maintenance Charges for system software: Hardware: The technical support for system software is Your bank is having AMC for RTGS servers very much essential for continuous after sales CBS & Net Banking related servers, AIX and support of the OEM. Your bank during the other components installed at CDC & DR year under report renewed the annual with OEM, IBM at ELCOT determined rate technical support for COBOL, Oracle, from 01.07.2013 to 31.12.2016. Symantec Anti virus etc. The amount expended Your Bank renewed AMC with OEM M/s. is as detailed below: WIPRO Limited for 570 PCs and 55 Servers Amount Description at a total Cost of Rs.4.30 lakhs for 2 years from in lakhs 01.08.2014 to 31.07.2016 and also appointed Renewal of ATS for COBOL compilers UN- one Resident Engineer at a Cost of Rs. 1.30 LIMITED users (CBS) paid for 01.04.2015 to 6.80 lakhs per annum. 31.03.2016on 14.05.2015. Similarly your bank renewed AMC for Line Renewal of ATS for COBOL compilers AIX 5 Printers, DMP and Pass book printers by UNITS paid from 09.04.2015 to 08.04.2016 on 4.50 04.04.2015 to RR INFOSOL calling Limited quotes up to 30.06.2016. The details of Expenses incurred are as follows: Renewal of ASFUL Processor License 8 Nos. for ORACLE (CBS & E-BKG.) paid to TCS on Amount 46.68 Description in lakhs 22.08.2015 ( 01.06.2015 to 31.05.2016) AMC Charges for RTGS Servers – 4 nos. and other Renewal of ASFUL Processor License 6 Nos. peripherals for the period from 01.01.2015 to 1.69 for ORACLE (ATM Switch.) paid to TCS on 14.80 31.12.2016 to IBM 22.08.2015 ( 30.06.2015 to 29.06.2016) AMC Charges for RTGS Servers – 3 nos. for the Renewal of SYMANTEC ANTI VIRUS – 400 period from 01.01.2016 to 31.12.2016 to IBM on 0.57 units paid to Raksha Technologies upto 1.23 18.03.2016 December 2016 on 06.01.2016 AMC Charges for CBS Servers and other Peripherals 30.94 Renewal of ORACLE 50 user named users from 01.01.2015 to 28.01.2016 to IBM (RTGS) paid to TCS on 24.06.2015 ( 24.04.2015 3.44 AMC Charges for Net-Banking Servers and other 10.88 to 23.04.2016) Peripherals from 25.08.2014 to 24.05.2016 AMC Charges for Line Printer 2 Nos. with M/s. Renewal of ORACLE 100 user named users 0.30 Lipi Data Systems from 13.07.2015 to 12.07.2016 (RTGS) paid to TCS 16.05.2015, up to Dec 6.78 AMC Charges for DMP/PB with M/s Supra 2015 3.58 Computers on 24.07.2015 Renewal of IBM WS 280 pvu ( RTGS) Paid on 2.87 AMC Charges for Servers and PCs for the period 15.05.2015 to DYNAMIC Computers 5.62 from 01.02.2015 to 31.07.2016 Renewal of IBM WS 180 pvu ( RTGS) Paid 1.84 on 15.05.2015 to DYNAMIC Computers AMC Charges for 4 Cisco Routers 0.94 Renewal of IBM WS 560 pvu ( RTGS) for Total 54.52 01.04.16 to 31.03.17 Paid to ACCEL 5.70 g. Renewal of Annual Maintenance Charges for FRONTLINE on 29.03.16 ATMs: Signor Tool (Digital signature for RTGS/ NEFT)–ATS for 01.04.2015 to 31.03.2016 paid 0.82 Your Bank renewed the Annual Maintenance on 13.11.2015 to TCS for 6 ATMs with M/s. Diebold – the OEM from

Total 95.46 102 01.04.2014 to 31.03.2016 and the AMC allowed to be registered and used by other users charges Rs.4,54,460/- were paid to Diebold from anywhere in the world and the domains on 04.03.2016. are our absolute property. h. Replacement of SMF Batteries for UPS units: Presently our bank is having 3 Domain During the year under report, your bank Addresses registered for the exclusive use of procured UPS 300 SMF batteries for 15 our bank. The domain names are: Branches at a total cost of Rs. 30.44 lakhs 1. tnscbank.net (used for net banking) ; through ELCOT. 2. tnscbank.co.in (For Testing) and 3. tnscbank.in (for future use). SMF Name of the Branch Date Batteries All financial institutions register their domain with all available extensions to avoid Teynampet, Periamet and 60 04.06.2015 registration by any other third party. Your Shastri Nagar Anna Silai and bank decided to register 5 Domains - Royapuram 40 10.08.2015 Tnscbank.Biz; Tnscbank.Org; Tnscbank.Info; Alwarpet (Main), Shenoy Tnscbank.Name; Tnscbank.Mobi – with Nagar, Chetput and 80 09.10.2015 Net4 India, our service providers for 5 years. Kotturpuram Your bank registered the 5 domains at a cost

Nungambakkam, Korattur and of Rs.18,612/- on 17.03.2016. 60 28.12.2015 Mandaveli k : Other Purchases K.K.Nagar, Alwarpet (East) and 60 04.03.2016 Anna Nagar Apart from all the above said expenses, your bank availed some services for the maintenance i. Buy-back Value of Old UPS Units: of the purchased items and also purchased some Hardware components. As per the Tender terms, M/s. Techser Power Solutions has to remit the buy-back value of Amount Rs.10, 53,000/- to take back 51 old UPS Particulars in lakhs Units. Initially, M/s. Techser Power Solutions remitted Rs. 5.00 lakhs on 10.06.2014 and ELCOT - HP Printers - 6 & Laptop - 1 1.71 Magnum Computers - Data Cartridge for permitted to take back 24 units. M/s. Techser 0.49 Power Solutions remitted Rs. 5.00 lakhs on Back-up - 30 Nos. Raj Corporation - DIEBOLD RP Rolls (ATM 18.03.2016. Your bank permitted to take back 0.41 24 units from 14 branches and Head Office. Consumables) M/s Techser has to remit the balance amount Softline Tech - Port, SMPS, External Hard Disk 0.29 of Rs.53,000/- to take back remaining 3 Sugi Systems - Project Service 0.03 Units. The realised amount was appropriated HAM network - modernisation of Mehta 1.52 in the books of account. Nagar, Shenoy Nagar & Adyar j. Registering new Domain: Royal Business Outsourcing - 4 CISCO 3.39 The Domain addresses are to be registered routers purchase with Service Provider authorised by ICANN Royal Business Outsourcing - CISCO router 0.15 (Internet Corporation for Assigned Names and rent (Nungambakkam) Numbers) and the same address will not be Total 7.99 103 CORE Banking Solution in DCCBs: iii) Information Technology / Information Security Policy 12.12 During the budget session 2012-2013, the As per RBI/NABARD guidelines, each Dist. Hon’ble Minister for Cooperation, Govt. of Central Cooperative Bank has to design Tamil Nadu, announced in the Assembly that Information Technology / Information Security core banking solutions would be implemented Policy. Since the Core Banking Solutions of all in District Central Cooperative Banks. the Dist. Central Cooperative Banks are hosted NABARD initiated the implementation of Core in a central server, TNSC Bank has appointed Banking Solutions for District Central Coop. a reputed Information System Auditor for Banks and identified Tata Consultancy Services designing both the policies for Dist. Central (TCS) as vendor for Tamil Nadu. All Branches Cooperative Banks. These policies will be of District Central Cooperative Banks were designed and implemented in the next financial working in CBS environment. year. i) Project Monitoring Office (PMO) iv) ATM - Service - DCCB, TNSC Bank a) M/s. KPMG Advisory Services Private Limited To ensure smooth implementation and to share was appointed as Consultant to provide the expertise of your Bank in implementing advisory support to TNSC Bank for installation CBS, a Project Monitoring Office has been set of ATMs and issue of Rupay debit cards / up at TNSC Bank, H.O. The PMO is fully Rupay Kisan Credit Cards in DCCBs. During furnished with tables, chairs, networking, 24x7 the financial year, tender was invited from the electricity supply, etc. Connectivity was reputed companies for installation of ATM and established at PMO with TCS Data Centre at other managed services and the process is in Mumbai. PMO is monitoring the the final stage. Shortly, vendor will be selected implementation of CBS in 23 DCCBs on day- and work order will be awarded. to-day basis. The PMO is also supporting Pondicherry State Coop. Bank and Tamil Nadu v) RUPAY Debit Cards Industrial Coop. Bank (TAICO Bank) for Rupay Debit Card can be issued as RUPAY implementing CBS. Platinum Debit Cards to the custoemrs. For this, the Bank has to pay service charges @ ii) RTGS/NEFT Rs.25/- per card to the NPCI. Rupay Platinum Debit Card holders can avail of the Real Time Gross Settlement (RTGS) and following facilities: National Electronic Fund Transfer (NEFT) a. Accident Insurance upto Rs.2.00 lakhs. facilities were provided to pilot branches of Dist. Central Coop. Banks on 26.11.2014. These b. 5% concessionon payment of Utility Bills (Upto facilities were provided in all branches of Rs.50 in a month). DCCBs on 16.2.2015. For providing RTGS/ NEFT facilities, all Dist. Central Coop. Banks c. Reimbursement of fuel (Petrol/Diesel) refilling have become sub-member of TNSC Bank. charges for the vehicles upto Rs.75/- per month Further, Pondicherry State Coop. Bank and (zero fuel surcharge) TAICO Bank became sub-member of TNSC d. For booking railway tickets through Bank for providing RTGS/NEFT facility in their www.irctc.co.in, the card holder can get branches. dicount amount of Rs.25/- per month. 104

~~General~~

NRE Rupee Savings Account Deposit Insurance and Credit Guarantee Corporation 13.1 The interest rates not exceeding on NRE Savings Deposit accounts shall be at the rate 13.4 The Deposit Insurance and Credit Guarantee applicable to domestic savings deposits. During Corporation (DICGC), a subsidiary of RBI, the year under report, your Bank offered was established by an Act of Parliament, viz., interest at 4% p.a. and it is with effect from The Deposit Insurance and Credit Guarantee 02.05.2011. Corporation Act, 1961. The Deposit Insurance Scheme was introduced with effect from NRI Deposits 01.01.1962 initially for deposits with all 13.2 The Bank mobilised a sum of Rs.122.65 lakh commercial banks including RRBs and local under NRI and NRO accounts as on area banks. Following an amendment to the 31.03.2016. DICGC Act in 1968, coverage was extended in respect of deposits with cooperative banks Retail Lending in such of the States which have passed the necessary enabling legislation amending their 13.3 Your Bank had introduced many loan local Co-operative Societies Acts. products for the benefit of the clientele of the Bank. With the introduction of the new loan Accordingly, necessary amendments were schemes, your bank was able to deploy made by incorporating a Chapter ‘Insured sizeable amount in retail lending business and Cooperative Banks’ in the Tamil Nadu earned reasonable profit from and out of it Cooperative Societies Act. Necessary during the year under report. The amount provisions were incorporated in your Bank’s outstanding under retail lending as on Byelaws in tune with the provisions of Section 31.03.2015 and that of 31.03.2016 under 2(gg) of DICGC Act, 1961. each category is given below: Extent of Insurance Cover (Rs. in lakh) Under this Scheme, in the event of liquidation, Sl. Outstanding as on reconstruction or amalgamation of an insured No. Type of Loan 31.03.2015 31.03.2016 bank, every depositor of that bank is entitled 1. Salary Loan 1999 592.99 485.44 to repayment of his deposits held by him in the 2. Home Needs Loan 58.59 48.61 same right and capacity in all branches of that 3. Pensioners Loan 0.72 1.31 bank upto a monetary ceiling of Rs.1 lakh. 4. Building Mortgage 216.63 198.70 Loan Insurance Premium Paid 5. Jewel Loan 74919.15 58106.21 The payment of premium at the rate of 5 paise 6. Loans against Deposit 701.80 708.62 per half year per hundred rupees of 7. Loans against assessable deposits at half-yearly intervals. The Securities 7.46 8.38 half-yearly premium should be paid in advance. 105 During the year under report, your Bank applications received from Head Office/ paid a sum of Rs.2,01,81,890/- to the DICGC Branches in respect of overdue loans are towards advance premium for the half year referred to Deputy Registrar of Coop. period ending March 2015 and a sum of Societies (Credit) under Tamil Nadu Coop. Rs.1,90,78,615/- for the half year period Societies Act 1983, for Arbitration. Based on ending September 2015, on 30.05.2015 and the awards, Execution Petition is filed and 30.11.2015 respectively. During the year the recovery process is continued against the under report, your Bank had ensured borrowers as well as guarantors who failed to payment of DICGC premium well in time. repay the loans as per the award.

Right to Information Act, 2005 As against 145 overdue cases referred to 13.5 Consequent upon the enactment of Right to legal action, 2 loan accounts were closed and Information Act, 2005, the right to citizens to recoverd the amount of Rs.63,779.31 during secure information under the control of Public the financial year. The overdue cases as on Authorities is ensured. Your Bank has 31.03.2016 were 143. The total collection designated its Asst. General Manager (Bkg) as made during the financial year was Rs.1.95 the Public Information Officer of the Bank and lakh. the Chief Manager / Manager of the Branches (Rs. in lakh) have been designated as Asst. Public Particulars As on Information Officers in respect of Branches. 31.03.2015 31.03.2016 The Managing Director has been designated Total No. of 145 143 as the Appellate Authority. Overdue accounts

Action taken 4 2 During the year under report, your Bank has furnished the information sought to the eligible Amount collected 6.75 1.95 applicants under RTI Act, 2005. Consistent efforts are being taken to enforce KYC Norms / AML the recovery process with the help of statutory authorities. 13.6 The Government of India, Ministry of Finance, Department of Revenue issued a Notification Settlement of claims dated 01.07.2005 in the Gazette, notifying the 13.8. The claims preferred by the legal heirs of “Prevention of Money Laundering (PML) deceased depositors of your Bank are settled Rules, 2005”. In terms of PML Rules, Banks in time under the powers conferred on the are required to report information relating to Executives, Chief Managers and Managers of cash and suspicious transactions to the Director, Branches concerned. The particulars of Financial Intelligence Unit of India, New settlement of claims from 01.04.2015 to Delhi. Accordingly, your Bank has beden 31.03.2016 are given below:. furnishing the report in time. Recovery of overdue loans and TODs (Rs. in lakhs) Place No. of claims Amount (Rs.) 13.7 The Recovery Cell is taking effective steps for recovering the overdues under Salary Loans, Head Office 40 290.95 654.31 Home Need Loans, Building Mortgage Loans, Branches 543 Jewel Loans and Temporary Overdrafts. The Total 583 945.26

106 The Recovery Cell is also arranging to get Branches legal opinion from the Legal Advisors and In all the 46 Branches of the Bank inspection representing the Court cases on the matters was carried out during the year under Report, that are referred by Head Office / Branches covering the period from 1.4.2014 to under the advice of our Executives. 31.3.2015. Recovery of Jewel Loan Overdues Inspection by NABARD 13.9 Your Bank through the Public Auctioneer M/s. During the year under Report, NABARD Alwin & Co., (Government approved conducted XXII Statutory Inspection of your Auctioneer), brought the unredeemed jewels Bank. (upto the period of 30.11.2014) under public auction on four difference dates ffrom Audit of your Bank 05.05.2015 to 08.05.2015 and thereby the After the amendment to TNCS Act 1983 in amount of Rs.38,26,498/- was realised from the year 2008 and as per the directives of the 38 jewel loan accounts. NABARD, the Statutory Audit of the Bank for the year-ended 31.03.2016 was carried out by Again the remaining 325 jewel loan accounts M/s. R. Subramaniam & Co., Chartered unredeemed upto the period of 30.06.2015 Accountant, the Statutory Auditors as were brough under public auction through suggested by NABARD/RCS. M/s.Bohra’s Auctioneer (Government approved Auctioneer) for 5 working days Audit Committee from 16.11.2015 to 21.11.2015. In the process In accordance with the guidelines of Rs.3,42,93,699/was realised. NABARD and as per the proceedings of the Registrar of Coop. Societies, Audit Further, your Bank had brought the 102 Committee is functioning from May 2005 in unredeemed jewels loan accounts under order to guide the Bank on financial matters public auction (upto the date of 31.10.2015) and other development activities. During the from 19.02.2916 to 24.02.2016 through year under report, the Committee conducted M/s.Bohra’s Auctioneer (Government one meeting and offered its suggestions for approved Auctioneer) and realised the development of the Bank on various issues. amounts of Rs.99,69,004/-.

Inspection Revival Package for Short-term Cooperative Credit Structure 13.10 The details of Inspection carried out by the Apex Bank during the reporting year are as follows: 13.11 In order to revive the short-term co-operative credit structure, a Memorandum of District Central Coop. Banks Understanding was signed by the Government During the year under report, the Bank of Tamil Nadu with Government of India and completed inspection of 9 District Central NABARD on 3.1.2008 to implement the revival Coop. Banks and three Apex Institutions, package in Tamil Nadu. viz., TAICO Bank, TNCSARD Bank and Special audit was conducted in Primary Cooptex, covering the period from 1.4.2014 Agricultural Coop. Credit Societies, District to 31.3.2015. Central Cooperative Banks and TNSC Bank. Based on the loss assessments, recapitalization 107 assistance were released as per details given a. Maintain adequate funds in RBI account to below: meet clearing settlement obligation and (Rs. in crore)

Govt. of b. The importance and urgency to migrate to CTS Type of Coop. Institutions India State Govt. Share share clearing and to take urgent steps for Primary Agricultural Coop. 1078.84 263.21 participation in CTS Clearing in Southern Grid. Societies Your Bank is continued to act as a Sponsor Bank District Central Coop. Banks a) As per loss assessments - 116.94 for Kancheepuram CCB and 5 Urban Coop. under special audit Banks viz. Tambaram, Tiuruvallur, Little - 5.30 b) Upper tier dues to DCCBs Kancheepuram, Big Kancheepuram and Total 1078.84 385.45 Chengalput in carrying out their clearing operations through CTS and ECS. Your Bank Amount receivable from Govt. of India is taking all out efforts to bring the other Urban Cooperative Banks into the fold of CTS and The details of Govt. of India share is yet to ECS clearing. be received and the details are given below: (Rs. in crore) The CTS and ECS facilities adopted by the Institution Amount Cooperative Banks in the State is providing 1119 PACCS 456.98 quick and competitive services to thier customers so as to enable them to get their 10 DCCBs 122.47 Banking transactions early. Upper tier dues towards 18.08 ineligible PACCS Direct Benefit Transfer for LPG (DBTL)

Total 597.53 13.13 Electronic Clearing System (ECS) is implemented in your Bank for debit and Clearing credit transactions. During the year under report, ECS transactions relating to DBTL 13.12 Your Bank continued to be a member of the transactions of the Central Government were Cheque Truncation System (CTS), a Clearing also carried out by your Bank benefiting huge System with RBI/NPCI and transacted No. of customers. We are also Sponsor Bank about 8.5 lakh instruments under CTS for Purasawalkam CUB, Saidapet CUB, Vellala clearing during the year 2015-16. CUB, Tamil Nadu Circle Postal Coop. Bank, Being the Apex Coop. Bank, your Bank and Kancheepuram CCB to process the DBTL. guided the DCCBs and Urban Coop. Banks to migrate to CTS environment. Your Bank Bankers Clearing House at Chennai (BCHC) has also helped the DCCBs to become direct members of Chennai Bankers Clearing 13.14 Your Bank continues to be one of the House. For this purpose, the Bank had 7 members of the Standing Committee of the taken up with RBI to relax the Access Bankers Clearing House at Chennai for the Criteria Norms to enable the DCCBs to open period from 01.08.2015 to 31.07.2017. Settlement account with RBI. Your Bank has sensitized the DCCBs to: 108 State Drafts Scheme All India Mutual Arrangement Scheme (AIMAS)

13.15 The State Drafts Scheme was introduced by 13.16 In the year 1965, NAFSCOB introduced All your Bank in 1971, to enable all the India Mutual Arrangement Scheme (AIMAS) Cooperative Banks in the State of Tamil Nadu in order to facilitate the issue of DDs and viz. TNSC Bank / DCCBs / CUBs /TAICO collection of bills by all SCBs / DCCBs/ Bank and on all its Branches to issue Demand CTBs / CUBs. Drafts on any place in Tamil Nadu. In AIMAS, we have 1182 outlets which However, the issuance of Demand Draft has spread across the country and thus paving been gradually decling in Tamil Nadu as the way for transfer of funds to the remotest various modes of banking transactions viz. part of our country. RTGS/NEFT are available in the Coop. Institutions. Your Bank is participating in the Scheme from the day of its inception and all the Your Bank has introduced RTGS, NEFT and DCCBs and some of the Urban/Town Banks e-banking facilities and has extended the same have also become members. to all the DCCBs, CUBs and other Coop. Institutions in the State. The DCCBs and CUBs 1. SCB and its Branches 47 are now in a position to effect RTGS/ NEFT 2. DCCBs and Branches 813 transfers on their own and on behalf of their 3. Urban Banks, Town Banks customers through e-banking facility of the 320 Bank. Your Bank is further taking steps to and its Branches popularise this facility among other Coop. Total 1180 Societies like TANFED, TNCSARDB, Tamil Nadu Coop. Housing Federation, etc. Transaction particulars of DDs / BCs during However, your Bank has been repeatedly the year 2015-16. insisting all the member banks to reconcile Place No. of DDs/ Amount SDS transactions on a monthly basis so as to BCs (Rs. in crore) avoid funds being locked up under Our State 116 0.96 unreconciled items. Other States 63 1.10 During the year 2015-16, under SDS scheme Total 179 2.06 703 items to the extent of Rs.2.04 lakh were reconciled. The total membership of the SDS The usage of NEFT / RTGS has registered as of now is 1008. manifold increase and consequently The details of the Demand Drafts issued under transaction pertaining to DDs/BCs reduced the Scheme during the last three years are considerably. furnished below: Your Bank has been attending to the No. of Total amount Reconciliation of Accounts with other Period Demand transacted Members of the Scheme on a regular basis Drafts Issued (Rs. in crore) and as a result, the pending items under 2013-14 120731 553.94 AIMAS have been reduced considerably. Your 2014-15 54613 245.62 2015-16 1109 1.99 Bank is maintaining current account with 23

109 other SCBs for transacting the AIMAS DDs/ Insurance Company and M/s. IFFCO Tokio BCs. Further, your Bank was awarded Best General Insurance Company to act as their Performance Award for the 12th time from Corporate Agent. NAFSCOB for implementing AIMA Scheme effectively. Bancassurance in TNSC Bank:

It is due to the technological advancement made Your Bank had obtained the permission of in the recent years, faster and better modes of RBI through NABARD to undertake money transfer facilities are now available insurance business as Corporate Agent with almost all the Banks. As a result, the without risk participation, vide RBI letter demand drafts issued under the scheme has No. RPCD (Che)/2427/04.05.052/2010-11 come down drastically. The details are furnished dated 8.2.2011 and renewed the permission below: w.e.f. 8.2.2013 and 06.10.2015. (Rs. in crores) The Board of Management has given permission to the Bank to renew the Corporate Particulars 2014 2015 2016 Agency with the above two Insurance No. of Demand Drafts issued Companies. Meanwhile, IRDA vide 590 262 66 by TNSC Bank regulation IRDAI / CAGTS / GDL / LCE/ No. of Demand Drafts issued by 202 /11/2015 dated 18.11.2015 has permitted 1491 613 50 DCCBs and CUBs in Tamil Nadu the Banks to have corporate tie up with three Insurance Companies each in Life, General and No. of Demand Drafts issued by Health Insurance Companies. Taking the new other SCBs on TNSCB and 5070 1600 63 other DCBs in Tamil Nadu regulation of IRDA into account, the Bank has to decide the Bancassurance Model. Total Amount 34.83 5.61 1.10 Micro Insurance: The NAFSCOB is in the process of The Hon’ble Minister for Cooperation had evolving a new “Money Transfer Facility” for announced in August 2011 that all PACCS being implemented through the network of have to act as “Micro Insurance Agents” of all Coop. Banks. Insurance Companies to enable the PACCS Insurance Business to offer insurance facilities to the farmers 13.17 Bancassurance is an additional service and the economically weaker people at extended to the customers on fee basis without their door steps. Accordingly, all the risk participation by having tie-up with PACCS in the State were advised to take up Insurance Companies as their Corporate Agent. insurance business as Micro Insurance Agents vide RCS Circular No.31/2011 and The Registrar vide Circular Rc.50483/2008/ letter Rc.No.81500/2011/CBP.1 dated CBP.1 dated 9.7.2009 had issued 21.09.2011. The Micro insurance offers instructions to Coop. Banks and PACCS to maximum insurance cover of Rs.50000/- at undertake insurance business as referral a very low premium. The progress made in agents without risk participation. Your micro insurance business by PACCS during Bank was allotted with M/s. Shriram Life 2015-16 is as under:

110 (Rs in lakhs) The Cell is analysing income earned and expenditure incurred by your Bank on quarterly Life General Particulars Insurance Insurance basis. The Cell is taking earnest efforts to put Co., Co., a sound system of ALM in your Bank.

Total No. of PACCS 4490 4490 Launch of Prime Minister Insurance Schemes in No. of PACCS signed MoU 3253 4468 TNSC Bank Premium Collected -- Commission earned -- 46.44 13.19 The Government of Tamil Nadu vide G.O. (Ms.) Total 7.00 No.154, Cooperation, Food and Consumer Protection (CC1) Department, dated 31.12.2015 accorded permission to Risk Management Cell implement Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) in TNSC 13.18 As per NABARD’s guidance Note on Credit Bank and District Central Cooperative Banks. Risk Management (CRM) vide Ref. No. NB. The Registrar of Cooperative Societies vide Dos. HO. POL/4586/J-1/2009-10 dated letter Rc. No.34558/2015/CBP1 dated 20.01.2010, your Bank established Risk 8.1.2016 requested your Bank to implement Management Cell in the year 2010-11 to the above two schemes. implement better risk management system.

The Section analyses the Bank’s financial Your Bank had entered into a Memorandum statements using certain important ratios and of Understanding with Life Insurance does Peer Group comparisons on quarterly Corporation of India for implementing Pradhan basis to enable your Bank to initiate Mantri Jeevan Jyoti Bima Yojana (PMJJBY) corrective measures wherever need arises and with New India Assurance Company Ltd., and to create awareness amongst the for implementing Pradhan Mantri Suraksha members of staff about their role in the Bima Yojana (PMSBY) on 17.2.2016. development of the Bank. Features The Cell was instrumental in convening a) Pradhan Mantri Jeevan Jyoti Bima Yojana 5 ALCO meetings during the year and the (PMJJBY) ALCO took important decisions in line with the macro level changes discussed in the Insurance cover Rs.2 lakh meetings. In these meetings, the Cell made Premium per annum Rs.330 presentations, highlighting growth / fall in Period st st ratios on important parameters of the Bank. 1 June to 31 May Discussions were held and decisions were Enrollment Age From 18 to 50 years taken in ALCO meetings based on Renewable Upto 55 years information shared in the context of important Coverage Natural death/ policy measures announced by the Reserve Bank of India. accidental death Income to the Bank Rs.41 per member

111 b) Pradhan Mantri Suraksha Bima Yojana As requested by the Director of Sugar, the (PMSBY) employees of the cooperative sugar mills, Cooperative Sugar Federation and public Insurance cover Rs.2 lakh sector sugar mills have also been included in Premium per annum Rs.12 the scheme. Period 1st June to 31st May Features of the Scheme Enrollment Age From 18 to 70 years Accidental death/ Coverage 1. All regular employees of Cooperative Disablity Societies under the administrative control of the Registrar of Cooperative Societies Income to the Bank Rs.2 per member including Salesman and Packers of Public Distribution System are eligible to enroll As on 31.3.2016, your Bank enrolled 2,377 themselves under the scheme. members under PMJJBY scheme and 5,279 2. The premium is Rs.2,120-/ per employee (i.e., members under PMSBY scheme. premium amount Rs.1,860 plus service tax @ 14% Rs.260). This should be shared between New Health Insurance Scheme, 2012 to the the employee and employer society equally. employees of Cooperative Societies

3. The total amount of medical assistance is upto 13.20 The Honourable Chief Minister of Tamil Nadu Rs.2 lakh in a block of two years from the date made a statement in the Tamil Nadu Legislative of commencement of the scheme. Assembly under rule 110 that the New Health 4. The scheme commenced from 21.8.2015. Insurance Scheme 2012 ordered in G.O. Ms. No.243, Finance (Salaries) Department, dated 5. The following family members of the Employee 29.6.2012 for the employees of Government shall be covered under the New Health Department, will be extended to employees of Insurance Scheme, 2012: cooperative societies. Accordingly in the G.O. (Ms.) No.142, Cooperation, Food and i) Legal Spouse of the Employee Consumer Protection (CB2) Department dated 23.12.2014 the Government has ordered for ii) Children of the Employee - till they get the extension of New Health Insurance Scheme employed or married or attain the age of 25 2012 to the regularly appointed employees of years, whichever is earlier and dependent on cooperative societies under the control of the the Employee; Registrar of Cooperative Societies. The Registrar of Cooperative Societies vide letter iii) Parents of the Employee, in the case of Rc.No.72236/2014/PMCT2 dated 28.7.2015 unmarried employee until the Employee gets issued detailed guidelines about the married. implementation of the Scheme. The General Manager of the District Central Cooperative During the year under report, 39,318 Banks are the Nodal Officers of the Scheme employees of the cooperative societies and for the respective District and the General 3,043 employees of the sugar mills were Manager of TNSC Bank will act as Nodal enrolled in the Scheme. Officer for the State.

112 Chennai Flood 2015 - Participation in the relief National Automated Clearing House, National measures Bank for Agriculture and Rural Development, Indian Bank’s Association, Small Industries 13.21 Your Bank has actively participated in the relief Development Bank of India, National Coop. measures of the Government of Tamil Nadu Development Corporation, National during Chennai Flood 2015. Federation of State Coop. Banks, National Coop. Union of India, NHFDC, National 1. The District Collector of Chennai organized Housing Bank, Tamil Nadu Women special camps for opening savings bank account Development Corporation, Provident Fund to those common people who had no bank Commissioner, Director of Coop. Audit and account for receiving flood relief of Rs.5,000. Chartered Accountants, Director of Your Bank nominated 30 staff members to Handlooms and Textiles and the Director of these camps and opened 3426 Savings Bank Sugar. Accounts. The Management also wishes to express its 2. The customers of your Bank received a sum heartfelt thanks to the valued customers of of Rs.13.22 crore towards flood relief. your Bank. It also wishes to record its sense of appreciation for the loyal and dedicated Acknowledgement services put in by all members of the Staff at all levels in your Bank during the year under 13.22 The Management wishes to place on record its report. Finally, the Management wishes to sincere thanks for the financial assistance, thank all of you for the support and guidance guidance and cooperation received from the provided. Hon’ble Minister for Co-operation, Principal Secretary, Co-operation Department, Government of Tamil Nadu, Registrar of Co-op. Societies, Reserve Bank of India, R. KARTHIKEYAN National Payment Corporation of India, MANAGING DIRECTOR.

~~113 ~~

~~Tamil Nadu - A Profile~~

General alluvium and coastal alluvium. Forests occupy 17.51% of the total geographical area of the 14.1 Tamil Nadu, the southern most State of India, State as against 22.6% for the country. is located in Northern Latitude between 80 5’ and 130 35’ and Eastern Longitude between Demographic Features 0 0 76 15’ and 80 20’. The State is bounded 14.3 According to 2011 census, Tamil Nadu has a by Kerala on the West, Andhra Pradesh and population of 7.21 crore and is the seventh Karnataka on the North, Bay of Bengal on the most populous State in the country. Chennai East and Indian Ocean on the South. Point tops the list of districts with largest population Calimere is at the eastern tip and Mudumalai at 46.81 lakhs followed by Kancheepuram with Sanctuary is at the Western tip of the State. 39.90 lakhs. The population density of Tamil Pulicat Lake and Cape Camorin are the Nadu is 555 per Sq. Km. (2011 census) as Northern and Southern extremes of the State. against the national average of 382 per For administrative convenience, the State is Sq.Km. Chennai is the densest district and divided into 32 districts including the State Nilgiris has the lowest density of population in capital Chennai. the State. Tamil Nadu is classified as one of the most urbanised States in the country with Physical Features 48.45% of its population living in urban areas as against 31.80% for the country. 14.2 Tamil Nadu occupies 4% of India’s geographical area and possesses only 3% of Economic Indicators the water resources of India. The total geographical area of the State is 130331 Sq. 14.4 The growth in the IT, ITES and Knowledge Kms. Entire eastern part of the State has a Economy Sectors has been remarkable along coastal line of 1076 kms. Climate in the State with the emergence of a strong automobile is mainly tropical and the temperature ranges sector. Factor endowments such as availability 0 C and 430 C. The State receives between 18 of human capital resources, industrial harmony, moderate rainfall and the major share (61%) is sound infrastructure have contributed to the received through North East monsoon during emergence of Tamil Nadu as the preferred the months of October - December. Major investment destination. rivers in the State are Cauvery, Palar, Pennar, Vaigai and Thamiraparani. The river Cauvery The economy of the State is predominantly runs 760 Kms. in the State and forms a very agrarian with 60% of population living in rural large delta at its mouth in the districts of areas, 40% mainly dependent on agriculture for Thanjavur, Thiruvarur, Nagapattinam, their livelihood. As per the estimate for 2013- Cuddalore, Villupuram and Tiruchirapalli. Soil 14, the share of Primary, Secondary and in the State mainly belongs to the category of Tertiary Sectors in the GSDP of the State was red loamy, red sandy, black soil, deltaic 12.7%, 25.5% and 61.8% respectively at

(Source: State Focus Paper, NABARD - 2016-17) 114 current prices. the Net State Domestic Product Industry at current prices for the last 3 years was as 14.7 Tamil Nadu with its broad-based manufacturing under: sector, holds a prominent position in the Particulars 2011-12 2012-13 2013-14 industrial map of India. In order to accelerate Primary 8714453 8452931 9772233 industrial development, the state unveiled the Secondary 16580055 18156542 19677991 Industrial Policy. During 2005-06, based on Tertiary 34990605 40563302 47725985 the Annual Survey of Industries, Tamil Nadu stood first in number of factories, and in Total 60285113 67172775 77176209 employment and third in gross value of output and net value added. During the period from It may be seen from the above that all the three April 2000 to May 2015, the State has sectors have shown increasing trend. The per attracted Rs.93,725 crore of cumulative capita income was Rs.89,050/-, Rs.98,628/- Foreign Direct Investment. Which is and Rs.1,12,664/- during 2011-12, 2012-13 concerning this, it occupies the third position and 2013-14 respectively. at the National Level. The total export from The contribution of Agriculture to GSDP was Tamil Nadu during 2013-14 was Rs.215 12% in 2013-14: crore during 2011-12 witnessed 17% growth as compared to Rs.42211 crore, a year ago. Particulars 2011-12 2012-13 2013-14 Tamil Nadu has about 1700 IT Companies GSDP 60285113 67172775 77176209 with direct employment of about 3.50 lakh Primary Sector 8714453 8452931 9772233 people and 7.50 lakh people through indirect Agriculture 8379034 8099387 9358657 employment. % of Agri. to GSDP 14 12 12 Agriculture

(Source: NABARD - State Focus Paper 2016-17) 14.8 The net sown area in the State, in 2013-14 was Education 47.14 lakh ha , while the gross cropped area was 58.97 lakh ha, and the cropping intensity 14.5 The State had 55667 schools (34871 Primary was 125.1%. As per the Agricultural Census Schools, 9969 Middle Schools and 5167 High 2010-11, the total number of operational land Schools and 5660 Higher Secondary Schools) holdings was 81.18 lakh of which the number in 2015. Tamil Nadu is the first State in the of holdings below 5 ha was 80.19 lakh , 92% country to provide computer education in all of small and marginal farmers are holding 60% Government Higher Secondary Schools. of the total land. Likewise, the total operated Revenue and Municipal Divisions area of land holding was 64.88 ha of which less than 5 ha was 39.50 ha, i.e. about 98% of the 14.6 The State has been divided into 32 Revenue total number of land holdings is less than 5 ha . Districts. The State has 10 Municipal The net irrigated area was 26.79 lakh ha of Corporations, viz. Chennai, Madurai, which, canal irrigation constituted 6.53 lakh ha Coimbatore, Salem, Tiruchi, Tirunelveli, tube wells, Bore wells and open wells 16.42 Tiruppur, Erode, Thoothukudi and Vellore. lakh ha, tanks 3.78 lakh ha and other means There are 125 Municipalities, 559 Town 0.06 lakh ha. Panchayats, 226 Taluks, 385 Panchayat Unions, 561 Town Panchayats and 12,620 The total foodgrains production of the State was Village Panchayats. 147.96 lakh tonnes, during 2014-15. The

115 major crops grown are Paddy (99.14 lakh Food Crops tonnes), Millets 41.58 lakh tonnes), Pulses 14.10 The main food crops raised in the State are as (7.24 lakh tonnes) and Oilseeds (9.73 lakh follows: tonnes). The production of Sugarcane was 244.63 lakh tonnes. The yield of the major Cereals Pulses Condiments crops in respect of Paddy, Millets and Pulses Paddy Bengal Gram Chillies were 5.42 lakh MT/ha, 4.28 lakh MT/ha, 0.77 Cholam Red Gram Turmeric MT/ha respectively for the year 2014-15. Cumbu Black Gram Tamarind Maize Horse Gram Other spices Major fruits grown in the State are Mango, Ragi Green Gram guava, banana, jackfruit, orange and grapes. Potato, onion, tomato, brinjal, drumstick, lady’s 14.11 Tamil Nadu is one of the largest sugarcane finger, sweet potato, etc. are some of the cultivating States in India. During 2013-14, important vegetables grown. Tamil Nadu is the 3.13 lakh hectares were covered under largest producer of bananas, flowers, tapioca, sugarcane cultivation. the second largest producer of coconut, groundnut and the third largest producer of Foodgrain Production coffee, sapota, tea and sugarcane. 14.12 Foodgrain production mainly consist of (Source: NABARD - State Focus Paper 2016-17) paddy, millets and pulses. The production of paddy in terms of rice accounted 71.15 lakh Size of Holdings tonnes in 2013-14 constitute 64.67% of the 14.9 Total number of land holdings is 81.18 lakh as total food production. Maize had a share of per 2010-11 agricultural census (provisional) 20.40% with the production of 22.45 lakh tonnes. Pulses, oilseeds accounted with the No. of Holdings Area operated production of 6.14 lakh tonnes and 10.09 lakh Particulars lakh hectares lakh hectares tonnes respectively. Marginal 62.590 21.878 (Below 1 ha) Yield per hectare of important food and non-food Small 12.177 3.081 crops during 2013-14 (1- 2 ha) (Kg. per hectare) Semi-medium 6.088 2.070 (2-4 ha) & Paddy(in rice) 4123 Medium Pulses(Average) 752 (4-10 ha) Sugarcane 104@ Large Cotton 469# (Above 10 ha) 0.324 0.017 Groundnut 2721 Total 81.180 27.046 @ in terms of Tonnes # in terms of Lint (Source: Season & Crop Report 2013-14 - Tamil Nadu)

~~116 Area and Production of Major Crops: 2013-14 Net Irrigated Area~~

14.13 Paddy being major crop accounted for Net irrigated Source Number 48.69% of the total cropped area under area (ha) cereals in the State during 2013-14. Paddy Canals 2239 (length was cultivated in 17.25 lakh hectares during 653161 9747 km 2013-14. Millets accounted for 9.33 hectares which was 15.08% of the total area. Cereals, Tube Wells & 385606 463467 pulses was cultivated in 8.16 lakh hectares, other Wells Groundnut covered 3.37 lakh hectares, Open Wells 1493840 1178873 Cotton 1.51 lakh hectares and Sugarcane 3.13 Reservoirs 81 lakh hectares during 2013-14. Rice production in the State during 2013-14 was 71.15 lakh Tanks 41127 377371 tonnes, Millets 32.68 lakh tonnes, Pulses 6.14 Other Sources 6024 lakh tonnes. Total Groundnut production was Total 2679096 9.16 lakh tonnes, Cotton was 4.17 lakh bales, Sugarcane in terms of cane was 324.54 tonnes Wells for domestic purposes 674236 during 2013-14. (Source: State Focus Paper, NABARD - 2016-17) (Source: Statistical Handbook of Tamil Nadu 2014) Irrigation Animal Husbandry:

14.14 There are about 81 reservoirs, 41127 tanks and 14.15 The total livestock population as per the latest 18.21 lakh wells in the State. The total storage survey in 2007 (Provisional) is given below. capacity of 15 major reservoirs in the State is Cattle 88.14 lakh 198.38 tmcft. Against which water realisation Buffaloes 7.80 lakh stood at 172.26 tmcft in 2011-12 (86.8%). Sheep 47.87 lakh Due to wide spread drought, water realisation Goat 81.43 lakh in the reservoirs in the State was restricted to Others 89.8% tmcft in 2012-13 (45.3%). The decline (Pigs, Horses,etc.) 1.98 lakh in ground water table across the State is a matter Total 227.22 lakh of serious concern. As a result, out of 386 blocks in the State, 139 blocks are categorised Infrastructure as over-exploited, 33 blocks as critical, 67 14.16 Tamil Nadu has a rail network of 3846 kms. blocks as semi-critical, 11 blocks as poor electrified network accounted for 46.02%. The quality and the balance 136 blocks as safe. State has one of the best road networks in the country with 4974 kms. of National Highways, The total net area irrigated in the State by all 57043 kms. of State Highways, 27630 kms sources of irrigation was 26.79 lakh hectares of Corporation and Municipalities Road, 18545 in 2013-14, while the net sown area was 47.14 kms. of Town Panchayat Road and 143084 lakh ha. Likewise, the gross irrigated area was kms. of other Panchayat Union and Village 33.11 lakh hectare while the gross sown area Panchayat Union Roads. There are three major was 58.97. Canals accounted for 24%, tanks ports viz., Chennai, Ennore and Tuticorin and for 14% and wells for 61%. Rotational Water 15 minor ports. The State has six domestic Supply works are also to be taken up to benefit Airports, viz. Chennai, Coimbatore, 3,213 hectares at a cost of Rs.0.78 crore. Tiruchirapalli, Madurai, Salem and Tuticorin

117 and three International Airports at Chennai, Per capita deposit Rs.0.797 lakh Coimbatore and Tiruchirapalli. As of 2013-14, Per capita Credit Rs.0.948 lakh there were 11888 Post Offices in the State. The total deposits as at the end of March 2016 There were more than 97.35 crore cellular was Rs.5,96,795/- crore (excluding deposits subscribers as on 31.03.2014, 35.25% of the held by PACCS & UCBs). The total advances population are the subscribers. as on 31.3.2016 was Rs.6,82,823.23 crore. Social Infrastructure The Bank branches functioning as at the end of March 2016 are given below: 14.17 Tamil Nadu is generally regarded as a socially above average state of the Indian Union. Co-operative Banks Among the 15 major States of the country, 14.19 Tamil Nadu is one of the States where the Tamil Nadu holds impressive rank in general Co-operative Banks are playing a leading and literacy rate, sex ratio, infant mortality rate etc. vital role in the credit dispensation and Birth rate in the State declined from 31.4. per mobilisation of rural deposits. The details of thousand in 1971 to 15.6 per thousand in 2013 number of Co-operative Banks’ branches as while, for India as a whole the decline in birth on 31.3.2016 are given below. rate was from 36.9 to 21.8. Death rate has declined from 14.4 to 7.3 between 1971 and State Co-operative Bank H.O.& 46 2013, the corresponding figures for India are Branches 14.9 and 7.1. According to 2011 census, literacy rate in the State was 80.09 per cent as against District Central Co-op. Banks 23 all India level of 74.04 per cent. Female literacy DCCB Branches 794 was at 73.14 per cent as against male literacy Primary Agricultural Co-op. Societies 4480 of 86.77 per cent.

Sex ratio works out to 996 females for Tamil Nadu State Co-operative Agricul- tural and Rural Development Bank 26 1000 males as compared to 940 for the and its Regional Offices/Branches country as a whole. Infant mortality rate, which is often considered as an indicator of Primary Co-op. Agricultural and Rural social development, was better in the State at Development Banks 180 21 for 1000 live births in 2015 as against 40 Coop. Urban Banks 320 recorded for the country. Deposits and Advances as on 31.3.2016 Banking 14.20 (Rs. in crore) 14.18 As on 31.3.2016, the State has a wide network of bank branches with 11151 branches. Name of the Bank Deposits Advances State Bank of India & its Commercial Banks including Associate Banks 1349 Foreign Banks 596795.00 682823.23 Nationalised Banks 5152 Public Sector Banks 111 TNSC Bank 8212.37 7353.08 Private Sector Banks 2812 DCCBs & TNSCARDB 22963.91 25345.43 Regional Rural Banks 525 Foreign Banks 22 Total 574788.38 683363.71 Coop. Bank 1180 Total 11151 Source: SLBC Notes. 118 Annual Credit Plan 2015-16 Primary Agricultural Credit Coop. Societies 14.21 All the Banks both Commercial and 14.22 Cooperatives had the allocation of As on Rs.121900.67 crore for implementation of Particulars 31.3.2016 ACP for the year 2014-15 and the achievements for the year is No. of Societies (PACCS) 4480 Rs.126544.78 crore, as detailed below. Membership (No. in lakhs) 109.84 (Rs. in crore) Borrowing Members (No. in lakhs) 69.46

Achieve- Share capital (Rs. in crores) 1121.02 Allocation % of Allocation ment for Particulars for the year achieve- for the year the year Reserves 978.06 2014-15 ment 2015-16 2014-15 Owned Funds 2362.61 Farm 77513.57 81630.39 105 88593.44 Deposits 7253.61 Non-Farm 21730.21 21093.49 97 24820.65

Other Borrowings 11976.44 Priority 22656.89 23820.90 105 25283.80 sectors Working Funds 20523.20 Loans & Advances issued 20805.86 Total 121900.67 126544.78 104 138697.88 Loans and Advances outstanding 19379.04 Loans Overdue (Rs. in crore) 1671.75 (un-audited) % of recovery 86.21%

~~Source: SLBC Notes.~~

~~119 ~~

~~The Mission of the Bank is to mobilise resources, provide banking products and other professionalised~~

~~services to the people,~~

~~strengthen the affiliates,~~

~~provide vibrant leadership to the co-operative banking system,~~

~~achieve sustained growth and~~

~~ultimately to attain prime position~~

~~in the banking industry.~~

~~120 ~~

~~ ~~

121 16 41 735 40.95 84.67 25.38 141.04 213.43 480.09 3062.58 1082.18 2823.31 1209.10 4788.75 41 16 (Rs. in Crores) 755 37.82 79.35 19.41 135.18 149.78 402.13 848.66 3119.87 2427.49 1356.00 4504.87 31.3.2004 31.3.2005 16 40 779 85.51 34.58 74.68 15.75 130.46 325.23 732.29 2924.41 1925.82 1205.47 4164.55 40 25 805 31.94 65.04 29.03 50.74 107.50 233.51 815.00 2727.29 1938.23 1173.26 3988.00 31.3.2002 31.3.2003 20 40 822 28.25 88.54 56.93 39.82 40.22 213.54 744.87 2745.35 1718.76 1205.79 3877.98 31.3.2001 12 40 838 9.74 27.28 86.27 54.13 37.65 204.93 493.83 944.30 2676.11 1199.66 3502.74 6 40 857 2.51 51.82 34.31 193.80 647.85 645.67 2239.60 1261.63 3186.72 20 40 864 48.53 33.47 15.07 181.36 390.45 431.63 31.3.1998 31.3.1999 31.3.2000 1634.58 1393.40 2306.07 15 40 875 44.37 34.40 18.43 170.01 412.31 330.64 31.3.1997 1213.93 1379.05 1881.66 15 40 845 35.11 17.76 18.7462.44 18.74 72.5037.92 21.90 80.6222.81 85.77 140.93 938.53 694.00 268.46 31.3.1996 1318.46 1858.09 KEY INDICATORS OF PROGRESS OF THE BANK AT A GLANCE A AT THE BANK PROGRESS OF OF INDICATORS KEY Head of Account Paid-up Share Capital Reserve Fund ACS Fund Other Reserves Owned Funds Total Deposits Borrowings Advances O/s Investments Capital Working Net Profit Dividend Declared No. of Branches No. of Employees 1 2 3 4 5 6 7 8 9 11 Sl. 10 12 13 14 No.

122 47 398 7.50* 43.31 307.56 245.83 177.79 181.38 912.56 8212.37 3768.72 7353.08 3154.47 14401.18 31.3.2016 46 7.50 382 41.38 302.70 235.10 165.58 216.84 920.22 7767.79 3309.24 8082.00 2831.04 13377.54 31.3.2015 (Rs. in Crores) 46 439 32.23 7.25 226.71 155.62 227.90 899.82 289.59 9507.33 2766.18 8440.29 2942.14 31.3.2014 14512.03 46 14 506 43.24 890.13 3139.54 9459.62 2325.57 205.31 138.44 354.47 191.91 7788.13 13010.37 31.3.2013

45 14 558 41.51 205.31 134.40 366.40 812.81 106.70 6525.82 2327.91 7538.78 2138.99 10827.05 31.3.2012 45 14 586 40.69 95.82 195.10 124.52 365.64 781.08 31.3.2011 5435.84 2177.77 6798.78 1953.04 9458.82 45 10 609 61.07 18.80 118.12 185.86 356.69 721.74 896.21 5146.00 4599.41 2320.31 7691.96 31.3.2010 45 14 628 61.07 33.74 175.26 109.73 347.55 693.61 830.59 4429.16 3296.01 1646.57 6964.56 31.3.2009 9 45 647 61.07 15.12 171.40 104.32 351.04 687.83 608.40 5886.94 3993.71 3336.26 1458.51 8 45 678 98.09 21.78 162.84 299.94 617.47 878.23 3263.50 3242.96 1083.74 5244.98 31.3.2007 31.3.2008 11 44 709 91.11 28.02 53.48 56.60 151.32 268.07 563.98 1105.36 3126.78 1206.76 3040.71 5068.43 31.3.2006 KEY INDICATORS OF PROGRESS OF THE BANK AT A GLANCE A AT THE BANK PROGRESS OF OF INDICATORS KEY Head of Account Head of Proposed Paid-up Share Capital Reserve Fund ACS Fund Other Reserves Owned Funds Total Deposits Borrowings Advances O/s Investments Capital Working Net Profit Dividend Declared No. of Branches No. of Employees * 1 2 3 4 5 6 7 8 9 11 10 12 13 14 Sl. No. 123 N.A. 7.50 1.95 N.A. 3.34 6.00 (%) N.A. 10.00 Dividend 9.29 7.30 1.20 3.25 -- 8.23 (Rs. in Crores) 43.31 21.94 20.56 -- 20.06 8.00 16.66 3.11 13.02 -- 12.9158.68 18.86 -- 31.45 9.50 35.97 6.00 21.57 -- 50.76 18.0923.81 15.00 5.50 -52.98 -- Net 242.62 10.00 148.31 15.00 Profit Funds 2157.46 1295.39 Working 135.06 358.88 -12.54 879.27 179.81 2372.94 281.64 2369.17 1057.34 2266.63 1240.92 2080.16 !" ments Invest- 1601.37 2188.41 3957.12 1477.77 2055.12 4088.27 1079.15 7.46 1.85 479.99 38.65 988.55 33.45 222.68 595.00 878.82 967.84 1 129.75 886.62 1 999.61 910.31 Borrowings 1.29 10.57 3290.28 3145.61 8079.38 11950.12 12.84 1411.81 4246.13 3412.27 8245.38 717.77 -- 520.25 188.93 766.75 2.83 -- 1340.11 1268.44 7740.69 3277.03 14442.15 23365.17 7779.748212.37 1442.42 3768.72 4044.41 3154.47 5507.91 7353.08 -- 0.57 9799.65 14401.18 2560.17 5955.85 1711.29 7407.65 9406.23 1 2043.44 6675.79 4756.39 4205.40 7991.98 12955.29 1858.16 7200.91 6139.69 4346.55 9506.31 14405.60 2236.50 8197.66 1096.09 5265.31 4363.15 10417.08 3538.26 4760.06 2234.97 7231.73 9539.34 2039.81 3104.92 4025.27 1222.80 6318.60 8029.50 1019.66 1887.77 5178.04 4095.03 4106.45 5450.34 11215.63 Deposits (As on 31-03-2016) Funds Owned 1001.57 4166.75 7468.17 4546.16 7992.51 13000.80 1462.06 5012.72 6148.30 1581.88 10711.03 13092.80 Available 6.65 21.37 785.40 15.67 248.65 443.08 572.33 2.70 58.30 83.17 610.98 10.20 264.65 381.79 693.58 3.94 -- 23.55 32.59 592.02 41.72 237.53 400.39 711.82 6.15 0.04 : Not 100.22 125.59 132.13 153.72 Reserves 4.40 127.61 132.01 688.97 66.30 464.81 360.64 887.28 4.44 1.28 33.32 50.15 302.61 --- 197.26 133.94 354.39 15.55 -- 8.20 240.55 248.75 76.67 220.85 205.93 59.52 65.26 66.71 490.90 30.42 223.55 330.08 564.69 -37.38 -- Share 398.27 603.30 159.40 581.25 740.65 274.43 621.18 895.61 71 376.16 437.91 598.40 515.81 764.75 226.64 1014.37 1241.01 Capital FINANCIAL PARTICULARS OF SELECT SCBs FOR THE YEAR 2015-16 THE SCBs FOR SELECT OF PARTICULARS FINANCIAL NAME OF THE SCB N.D : Not Declared NA 2. Andhra Pradesh 6.7. Chandigarh Chattisgarh 132.62 217.80 214.76 251 1. Andaman & Nicobar 4.5. Arunachal Pradesh Bihar 192.42 1.45 193.87 26.74 142.61 356.94 192.25 593.57 271.21 211.39 483.06 2.54 -- 3. Assam 11.75 51.40 48.48 8. Delhi 9. Goa 48.60 14.49 63.09 11. Haryana 137.99 594.74 756.53 31. Nadu Tamil 307.56 751.98 912.56 25. Rajasthan 27. Tripura 25.37 29.30. Uttarakhand West Bengal 67.44 61.93 129.37 24. Punjab 23. Pondicherry26. Sikkim 24.87 14.71 28. Uttar Pradesh 18.19. Manipur Meghalaya 15.28 8.57 30.26 45.54 98.85 -- 125.92 21.22. Nagaland Odisha 16.17. Madhya Pradesh Maharashtra20. Mizoram 472.09 3466.63 3938.72 1 1.87 15. Kerala 678.74 76.46 730.85 61 13.14. Jammu & Kashmir Karnataka 4.39 17.40 282.22 21.79 674.56 802.77 12. Himachal Pradesh 8.58 604.98 915.20 10. Gujarat 27.49 580.66 607.15 Sl. No.

124 * Loss (-) Profit (+) / Capital Working 37333.75 422.10 ments Invest- 11191.51 586.36 154.77 679.58 6.79 1215.43 363.08 1534.72 11.32 !" ings 464.81 2181.98393.12 634.15 3165.58 25.83 Borrow- (Rs. in Crores) 173.77 267.04 1170.71 454.89 1727.74 28.21 799..48 1882.36 1201.13 161.15 1160.951635.92 444.79 133.71 1722.97 1517.70 17.25 673.27 2265.47 36.00 Deposits 55.39 565.95 113.63 179.09189.65 1615.49 1258.49 241.26 204.57 1182.62 1159.19 916.52 2122.02 546.46 1694.02 9.16 22.94 256.97 3183.02 410.69 2186.15 1676.04 4179.09 24.93 Reserves 16.49 155.73 827.01 275.70 1131.27 241.12 1460.08 22.52 34.74 106.94 658.6530.26 164.6163.64 30.2021.70 107.72 582.66 396.63 149.29 526.48 360.64 147.67 597.3135.77 1010.94 94.4715.38 386.66 95.99 85.01 5.20 580.94 200.73 72.89 691.02 475.25 207.87 604.76 442.78 356.15 174.46 724.68 89.41 3.05 864.2953.48 807.89 18.05 29.04 466.80 184.37 120.85 9.48 1006.55 50.80 867.17 138.64 290.88 592.05 834.57 10.35 1224.21 73.57 7.92 427.42 648.33 1770.10 349.87 34.60 1093.04 14.78 189.57 345.10 2977.07 1.02 1936.05 1541.72 3752.78 68.24 247.95 330.10 Share 1794.04 3574.52 25703.42 4986.20 24500.88 Capital 159 142.94 187.83 265 47.62 271 65.61 216.20 378 91.15 No. of PACSs No. of Branches FINANCIAL PARTICULARS OF DCCBs FOR THE YEAR 2015-16 THE DCCBs FOR OF PARTICULARS FINANCIAL TOTAL 813 4520 e

v i NAME OF THE DCCB t a t n e 1. Chennai 69 -- 2.3. Coimbatore4. Cuddalore5. Dharmapuri6. Dindigul7. Erode8. Kancheepuram9. Kanyakumari 34 Kumbakonam 30 41 167 31 49 251 21 33 52.06 267.65 34 197 156.59 114 227 32.64 268 110.49 62.56 1 728.99 101.55 293.09 1700.86 279.96 949.76 1067.10 189.42 1044.45 1216.15 2179.94 5.43 12.93 Sl. (As on 31-03-2016) 11. Nilgiris 16 77 T 10. Madurai12.13. Pudukkottai14. Ramanathapuram15. Salem16. Sivagangai17. Thanjavur18. Thoothukudi 42 3019. 23 Tiruchirapalli20. Tirunelveli 261 131 21. Tiruvannamalai 136 22. Vellore 30 45.26 64 23. Villupuram 28 300.33 20 Virudhunagar 125 62 929.18 234 28 152 227.26 42.60 30 348 1141.89 59.98 159 278.47 27 35 36 286.48 1457.72 206.44 54.74 15.28 238 180 182 525.21 51.19 51.88 142.30 648.86 1 11.84 No.

~~125 31.3.2016 O/s. as on (Rs. in lakhs)~~

Repayment - CONSOLIDATED - CONSOLIDATED - Drawal 224000.00 255200.00 224000.00 Apex Bank’s operation with NABARD 31.3.2015 O/s. as on 255200.00 9600 7800 4700 5500 7585 7300 19800 16400 10900 17900 24000 12200 14100 23409 16000 33800 14300 34800 10900 19700 19300 23300 353294 31.3.2016 O/s. as on 9250 8000 4800 5500 7800 7060 11400 11900 22200 18875 18133 26200 14200 22658 14750 37700 14100 36900 10800 21900 24300 25200 373626 Repayment 9600 7800 4700 5500 7585 7300 19800 16400 10900 18483 24000 12200 14100 23409 16000 33800 14300 34800 10900 19700 19300 23300 353877 Drawal 9250 8000 4800 5500 7800 7060 DCCBs operation with TNSC Bank 11400 11900 22200 18875 17550 26200 14200 22658 14750 37700 14100 36900 10800 21900 24300 25200 373043 on O/s. as 31.3.2015 9600 7800 4700 5500 7900 7300 19800 16400 10900 18200 24000 12200 14100 23500 16000 33800 14300 34800 10900 19700 19300 23300 354000 Total Limit DCCBs DURING THE YEAR 2015-16 THE DCCBs DURING 5900 4700 4200 8500 6900 3700 6000 7400 4200 3000 1700 2500 7300 3600 5100 5900 5700 6700 3400 11900 11600 10100 130000 TNSCB Limit 2015-16 6700 9700 8500 8100 8600 5400 4800 3000 3000 7000 4300 5800 3900 11700 11600 17100 23700 23200 13800 13600 16600 13900 224000 NABARD TOTAL

DCCB Name of the Coimbatore Cuddalore Dharmapuri Dindigul Erode Kancheepuram Kanyakumari Kumbakonam Madurai Nilgiris Pudukkottai Ramanathapuram Salem Sivagangai Thanjavur Thoothukudi Tiruchirapalli Tirunelveli Tiruvannamalai Vellore Villupuram Virudhunagar 2 3 4 5 6 7 8 9 1 Sl. 11 10 12 13 14 15 16 17 18 19 20 21 22 No. PARTICULARS OF UTILISATION OF SHORT TERM AGRICULTURAL CREDIT LIMITS SANCTIONED TO LIMITS SANCTIONED CREDIT AGRICULTURAL TERM SHORT OF UTILISATION OF PARTICULARS

126 64.22 66.08 88.69 Amt. 311.69 326.35 153.48 234.12 394.48 192.63 200.09 269.60 203.55 121.50 109.49 593.69 166.94 104.72 543.06 139.80 314.30 309.38 372.05 5279.91 during 2014 -15 11347 39613 78215 68857 67645 14735 45072 52447 31564 29590 60589 35327 66716 63901 28818 19807 37612 13351 14189 46470 Achievement 109301 101693 No. 1036859 (Rs. in crores) 65.34 30.53 55.59 63.91 71.15 39.35 119.44 511.76 123.88 207.25 103.72 303.08 103.05 198.01 178.67 147.07 138.90 120.08 385.99 240.71 219.01 268.30 3694.79 8687 6788 9160 6818 21170 17042 41856 20252 19164 47554 17473 63052 37284 19502 18338 88194 12582 37885 67897 58865 44850 48781 713194 No. SF/MF Farmers 11.17 28.30 12.06 35.35 17.90 43.37 20.90 62.58 87.45 22.20 35.27 37.51 91.71 17.69 24.32 22.45 35.94 19.01 15.72 53.87 32.60 13.44 740.81 Amt. Amt. 3259 3241 6657 2381 5975 3628 2891 4465 2891 3341 7867 2344 6428 1946 3625 5927 2135 19675 15836 10834 15759 10204 141309 New Farmers 9.21 8.84 9.24 21.55 31.94 23.02 10.27 37.77 29.23 65.27 24.70 23.36 23.27 61.15 46.16 20.97 92.03 17.23 43.29 40.20 59.65 12.87 711.22 SC/ST 963 Farmers 2113 5126 5981 2842 2225 8382 9432 3540 6650 2163 2351 2225 2386 9759 2450 14093 14279 14847 16391 10415 10845 149458 Nos. No. All the Central Coop. Banks except Villupuram DCCB have achieved annual target upto 31.03.2016. crop loan issued by Kumbakonam &Thanjavur CCBs - Rs.450.58 crore Total 8.66 4.26 2.67 1.79 8.40 11.76 23.28 37.16 17.47 55.40 13.75 33.12 26.04 50.34 14.92 25.13 10.60 10.67 40.52 23.75 87.68 15.13 522.50 Out of total Crop loan disbursed, issued to 75 JLGs 111 933 242 166 557 654 881 346 417 689 310 512 920 472 2511 1175 1326 1794 1048 2207 1781 19127 Nos. 98.11 70.43 82.47 242.11 358.48 330.36 173.68 451.67 218.31 213.96 278.38 227.10 138.90 121.84 674.25 172.20 108.52 610.52 170.28 345.77 365.02 415.95 5868.31 Amt. Amt. Amt. Loan 21170 11461 20476 81716 74750 75627 15683 46151 58700 33056 29769 65106 39291 67597 58094 29326 34090 16558 18399 54546 Total Crop Total Disbursed 116173 106680 1074419 Nos. 6.17 3.18 71.11 75.70 81.15 20.17 59.70 40.13 46.44 88.04 14.05 45.90 116.35 116.62 145.87 204.77 104.90 196.21 108.68 182.47 175.26 142.87 2045.74 (Agri) 480 1911 2673 1016 5487 6938 6123 5833 8948 11724 16403 18981 18098 23287 17605 26867 35909 22798 25792 18616 13763 12163 Jewel Loan Nos. Amt. 301415 59.64 62.14 30.30 36.03 67.30 20.48 61.60 16.96 Amt. 212.61 310.19 167.51 276.41 204.26 168.06 135.51 155.99 135.72 469.48 414.31 229.42 248.40 340.25 3822.57 % of loan to New Borrowers total crop - 12.62 % of loan to JLGs total crop - 8.90 % of loan to SC/ST total target - 64.64 borrowerper loan Average - 54,618 2513 8752 3520 (KCC) 62110 29748 56027 32040 10788 47008 37380 34807 22388 20690 16485 10435 89306 12566 18637 83882 55924 56134 61864 Issue of 773004 Crop Loan Nos. 70.40 76.50 96.80 348.70 325.00 167.20 242.00 427.00 212.30 202.00 277.00 214.60 135.00 121.00 591.80 166.50 108.40 579.70 146.30 344.30 334.40 416.00 Total 5602.90 16.50 38.50 46.20 44.00 22.00 66.00 44.00 93.50 44.00 27.50 33.00 16.50 60.50 22.00 50.82 27.50 31.90 66.00 60.50 82.50 22.00 ST SC/ 184.80 1100.22 2015 - 16 88.00 53.90 54.50 80.90 74.80 114.40 115.68 Annual Target for Annual Target 286.50 121.00 198.00 405.00 146.30 158.00 183.50 170.60 107.50 531.30 394.90 278.30 273.90 333.50 332.20 Non 4502.68 SC/ST TOTAL DCCB Name of the PROGRESS IN THE DISBURSEMENTS OF ST-SAO LOANS DURING THE YEAR 2015-16 (DCCB-WISE) THE LOANS DURING ST-SAO THE DISBURSEMENTS OF PROGRESS IN Sl. 1 COIMBATORE 2. CUDDALORE 3 DHARMAPURI 4 DINDIGUL 5 ERODE 6 KANCHEEPURAM 7 KANYAKUMARI 8 KUMBAKONAM 9 MADURAI 10 NILGIRIS 11 PUDUKKOTTAI 12 RAMNAD 13 SALEM 14 SIVAGANGAI 15 THANJAVUR 16 THOOTHUKUDI 17 TIRUCHIRAPALLI 18 TIRUNELVELI 19 MALAI T.V. 20 VELLORE 21 VILLUPURAM 22 VIRUDHUNAGAR No. % of crop loan issued to Target - 104.74 Target % of crop loan issued to % of KCC to total - 65.14o crop loan % of JL Agri. to total crop loan - 34.86 Increase during current year - Rs.588.40 crore year - Rs.588.40 current during Increase

127 2.57 6.52 9.51 2.27 9.07 11.59 11.01 12.11 18.39 17.30 13.66 23.45 10.88 16.82 19.10 12.55 27.07 19.32 15.07 10.12 12.52 14.00 13.12 to Total of SC/ST Members (Rs. in Crores) to 40.11 Total 34.56 62.92 51.39 49.33 67.10 47.20 92.55 64.18 65.16 53.63 43.35 75.90 69.75 69.73 58.89 63.22 41.78 69.62 60.00 70.00 63.16 100.00 SF / MF Percentage of Percentage 7.53 6.77 11.10 Kind 17.03 24.34 29.18 29.64 35.94 14.00 16.30 24.98 12.71 18.39 18.98 40.00 35.82 22.89 41.17 54.90 36.20 10.00 31.00 23.95 portion to Total 963 2113 5126 5981 2842 2225 8382 9432 3540 6650 2163 2351 2225 2386 9759 2450 14093 14279 14847 16391 10415 10589 No. of ciaries Benefi- 149202 issued 9.21 8.84 9.24 21.55 31.94 23.02 10.27 37.77 29.23 65.27 24.70 23.36 23.27 61.15 46.62 20.97 92.03 17.23 43.29 40.20 58.24 12.87 710.27 Loans to of SC/ST Out of Total Loans Out of Total Members 8687 6788 9160 6818 21170 17042 41856 20252 19164 47554 17473 63052 37284 19502 18338 88194 12582 37885 67897 58865 44850 52940 No. of ciaries 717353 Benefi- issued 89.26 65.34 30.53 55.59 63.91 71.15 39.35 119.44 511.76 123.88 207.85 303.08 103.05 198.01 178.66 147.97 138.90 120.08 385.99 240.71 219.01 291.17 SF / MF 3704.69 Out of Total Loans Out of Total Loans to 21170 11351 46151 58700 32221 29769 65106 39291 67597 58094 29326 34090 16558 18399 54546 20476 81716 74750 75627 15683 116173 106680 1073474 No. of ciaries Benefi- 98.11 70.43 79.70 242.11 358.48 330.36 173.68 451.67 218.31 213.96 278.38 227.10 138.90 121.84 674.25 172.20 108.52 610.52 170.28 345.76 365.02 415.95 Total 5865.53 Loans 7.35 61.06 24.89 42.27 70.65 78.45 29.95 30.90 37.02 34.70 15.49 12.95 31.88 61.68 70.10 41.60 30.41 133.89 127.97 139.75 189.82 132.13 Kind 1404.91 Portion 57.48 47.82 67.70 110.52 297.42 305.47 131.41 171.46 317.78 139.86 184.01 247.48 190.08 104.20 106.35 546.28 101.17 470.77 100.18 155.94 232.89 374.35 4460.62 Cash Portion SHORT-TERM AGRICULTURAL LOANS ISSUED BY DCCBs DURING 2015-16 DCCBs DURING LOANS ISSUED BY AGRICULTURAL SHORT-TERM TOTAL NAME OF THE DCCB COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR THOOTHUKUDI TIRUCHIRAPPALLI TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR 2 3 4 5 6 7 8 9 1 11 10 12 13 14 15 16 17 18 19 20 21 22 Sl. No.

128 98.11 70.43 82.47 Total 242.11 358.48 330.36 173.68 451.67 218.31 213.96 278.38 227.10 138.90 121.84 674.25 172.20 108.52 610.52 170.28 345.76 365.02 415.95 5868.30 (Rs. in Crores) ------3.04 0.32 5.99 2.85 0.29 7.78 0.22 0.23 7.37 20.32 66.50 83.27 97.61 43.90 17.25 69.02 Other Crops 119.21 138.90 134.14 818.31 ------0.24 2.36 0.69 0.07 0.39 0.40 10.37 29.96 71.42 44.30 50.42 210.62 Turmeric ------3.87 8.66 0.82 12.84 26.56 39.17 apioca 198.25 171.58 461.75 -- -- 1.06 0.92 5.66 0.68 0.81 11.45 38.11 61.61 15.88 96.14 39.05 38.01 57.12 86.66 13.69 115.06 165.04 122.73 137.34 123.16 1130.18 Plantain ISSUED BY DCCBs DURING 2015-16 DCCBs DURING ISSUED BY ------0.22 1.70 0.24 0.89 5.21 0.17 6.18 0.47 0.26 37.86 10.96 27.47 91.63 Cotton -- -- 0.11 5.53 8.44 0.93 14.11 24.41 47.09 24.52 17.16 19.51 29.95 12.76 26.93 66.45 17.94 36.50 131.13 105.91 122.49 316.90 1028.77 Sugarcane T ------0.11 0.26 4.86 0.04 4.32 0.65 3.31 1.58 7.93 1.12 9.04 37.26 59.17 13.73 24.88 10.36 29.32 215.43 423.37 Oilseeds ------4.00 1.65 0.88 9.60 3.60 27.61 23.25 70.59 Millets -- 1.00 0.83 0.56 3.52 0.06 9.19 0.21 47.65 63.83 67.30 49.01 20.92 92.45 95.67 14.00 207.21 202.82 257.91 158.76 140.79 199.39 Paddy 1633.08 TOTAL CROP-WISE SHORT TERM AGRICULTURAL LOANS AGRICULTURAL TERM CROP-WISE SHORT Name of the DCCB COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR THOOTHUKUDI TIRUCHIRAPALLI TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR 1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 21 22 Sl. No.

129 3.29 3.18 9.68 0.68 5.88 3.12 8.65 7.49 7.08 1.99 4.64 9.07 6.96 7.52 5.36 7.37 11.37 11.59 17.28 15.10 13.69 13.24 10.62 15.36 % of O.D (Rs. in Crores) 60.16 46.81 62.73 10.74 88.16 27.32 24.12 50.64 65.57 60.00 58.46 69.29 25.00 41.28 55.87 96.21 16.83 113.86 219.84 134.98 152.78 158.99 120.29 1759.93 Balance As on 31-03-2016 758.72 585.33 849.15 962.97 254.76 625.20 860.57 491.77 381.68 513.98 321.81 747.30 917.72 296.90 1052.11 1411.52 1141.59 1183.32 1768.47 1424.76 1568.99 1041.79 2953.59 22114.00 893.70 648.06 876.47 278.88 675.84 926.14 550.23 450.97 538.98 363.09 803.17 313.73 1115.75 1828.63 1471.57 1271.95 1579.73 1499.68 1200.78 3013.59 1255.45 1279.53 1038.01 23873.93 2.89 2.51 8.98 1.01 6.35 3.56 7.79 8.02 7.20 8.66 0.62 6.39 3.44 4.43 6.75 5.12 5.89 11.72 11.20 10.05 12.99 13.73 10.89 10.64 of O.Dof Demand Collection 59.45 17.56 58.00 31.53 56.33 19.19 52.02 58.53 20.48 35.49 46.07 34.23 13.56 33.71 95.16 16.07 53.58 40.53 111.13 115.50 142.29 105.22 109.67 1325.30 981.61 773.70 602.50 854.81 854.28 698.15 666.75 220.13 670.29 617.71 267.35 377.10 501.13 380.81 727.72 883.46 297.62 As on 31-03-2015 1128.35 1800.64 1572.05 1713.57 3282.17 1315.44 21187.34 Collection Balance % of all Loans as on 31-03-2015 and 31-03-2016 889.20 661.95 912.81 885.81 809.28 723.08 239.32 722.31 676.24 302.84 423.17 535.36 394.37 761.43 988.68 313.69 1854.22 1612.58 1091.28 1731.13 3302.65 1270.64 1410.60 Demand 22512.64 Comparative position of Demand, Collection and Balance particulars DCCBs in respect TOTAL NAME OF THE DCCB

CHENNAI COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR THOOTHUKUDI TIRUCHIRAPALLI TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR 1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 21 22 23 Sl. No.

130 -- 2.23 5.60 0.35 1.83 9.65 3.91 6.99 7.02 2.42 7.39 5.35 8.18 8.05 2.00 1.04 11.36 37.52 19.61 16.06 21.45 27.41 10.91 10.03 % of O.D (Rs. in Crores) -- 7.46 1.33 3.90 4.92 8.57 5.80 7.77 8.18 7.77 0.79 35.44 12.96 33.86 68.21 22.78 15.33 13.21 52.40 65.92 25.68 27.97 146.59 576.95 Balance -- 76.81 97.33 74.95 As on 31-03-2016 114.10 617.63 103.00 138.76 538.55 144.79 288.37 319.36 380.58 326.50 244.15 145.25 218.32 376.20 176.99 209.05 249.75 213.28 120.85 5174.57 -- 82.61 75.74 116.32 333.96 390.74 180.69 231.28 377.53 210.85 212.95 317.96 236.06 125.77 122.67 632.96 191.16 105.10 604.47 152.97 314.05 347.33 388.35 5751.52 Demand Collection -- 1.02 4.60 1.58 0.42 1.64 9.79 1.92 4.58 0.22 4.63 4.00 3.41 6.16 2.00 1.84 5.74 11.91 15.99 10.95 13.31 10.85 19.72 10.70 -- 3.12 3.31 1.38 2.87 1.96 4.81 9.70 1.18 9.52 4.47 6.33 9.80 6.42 1.28 12.40 19.18 27.88 31.18 18.84 31.91 56.05 18.99 282.58 alance O.D of % -- 63.18 78.25 92.17 68.44 As on 31-03-2015 302.29 257.25 141.82 205.66 326.46 146.50 171.98 253.48 173.68 100.17 100.14 527.97 129.92 467.63 151.97 277.42 289.48 314.31 4640.17 Collection B -- 72.88 87.77 96.64 69.72 305.41 269.65 161.00 208.97 327.84 174.38 174.85 284.66 192.52 102.13 104.95 529.15 161.83 523.68 158.30 287.22 308.47 320.73 of ST Agri. Loans as on 31-03-2015 and 31-3-2016 of ST 4922.75 Demand Comparative position of Demand, Collection and Balance particulars DCCBs in respect TOTAL NAME OF THE DCCB

131 4.47 7.42 4.90 2.83 9.22 9.49 5.45 4.88 5.68 9.48 5.82 9.66 11.51 11.94 19.80 12.82 24.52 12.56 17.44 23.84 17.30 10.08 13.81 % of O.D (Rs. in Crores) 9.93 80.61 43.23 68.50 99.46 27.64 92.80 26.29 49.68 31.66 44.00 37.73 28.78 99.01 78.36 44.49 113.92 165.20 184.71 192.15 292.19 130.09 1940.43 Balance As on 31-03-2016 76.36 811.96 669.02 723.67 948.34 568.47 913.86 183.03 366.37 302.05 208.31 363.87 735.53 477.91 882.79 748.47 719.53 676.3 7 1722.71 1329.35 3331.86 1396.54 18156.37 86.26 834.22 766.90 775.83 975.98 753.18 209.32 416.05 333.71 252.31 477.79 773.26 506.69 981.80 826.83 942.05 764.02 1803.32 1397.85 1006.66 3524.01 1688.73 Demand Collection 20096.80 8.30 2.96 9.68 4.80 4.42 6.68 8.56 4.17 8.53 5.30 4.94 5.17 2.58 11.67 11.21 16.18 14.65 19.02 15.13 12.00 19.18 13.23 13.05 3.08 95.16 96.32 35.00 76.76 91.73 26.05 72.65 37.93 35.80 34.80 66.82 29.48 47.70 65.61 74.26 91.31 37.25 alance O.D of % 116.22 175.85 170.78 227.43 1707.99 As on 31-03-2015 741.11 611.19 631.88 672.95 984.48 602.09 802.98 100.99 354.04 271.05 202.76 284.48 638.12 349.80 916.56 792.98 723.37 856.30 1700.44 1407.36 3386.54 1276.19 18307.66 Collection B of all loans as on 31-03-2015 and 31-3-2016 916.96 728.20 707.95 702.92 718.31 875.63 104.07 391.97 306.85 237.56 351.30 667.60 397.50 982.17 867.24 814.68 893.55 1795.60 1484.12 1010.53 3557.32 1503.62 20015.65 Demand Comparative position of Demand, Collection and Balance particulars of PACCS in respect Comparative position of Demand, Collection and Balance particulars PACCS TOTAL NAME OF THE DCCB COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR THOOTHUKUDI TIRUCHIRAPALLI TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR

~~1 2 3 4 5 6 7 8 9 Sl. No. 11 10 12 13 14 15 16 17 18 19 20 21 22~~

132 4.97 6.73 3.75 3.58 9.68 2.10 3.01 2.04 2.47 3.73 3.42 2.04 11.98 10.14 21.16 17.81 13.69 26.58 12.73 10.10 10.57 18.53 28.44 (Rs. in Crores) 7.07 6.77 7.99 5.33 4.69 9.08 2.05 7.65 3.23 73.87 30.83 30.37 84.97 31.12 12.95 20.43 14.08 55.71 76.96 32.53 22.23 15.34 555.25 76.86 61.91 98.66 86.88 115.26 329.47 275.29 142.31 218.34 384.15 191.53 210.55 234.73 213.36 121.20 As on 31-03-2016 577.32 140.18 565.66 146.38 288.37 308.24 393.77 5180.42 90.11 85.94 75.99 225.11 409.11 336.54 349.16 173.14 392.14 221.90 215.88 319.70 244.48 125.89 128.21 597.75 195.89 100.71 642.62 154.03 320.90 330.47 5735.67 1.92 9.76 2.24 1.83 4.29 6.33 6.79 3.85 2.77 7.99 2.26 9.29 1.47 1.76 1.62 11.86 11.03 16.01 23.27 10.87 16.00 13.65 21.50 1.68 6.82 2.33 6.83 3.06 6.29 3.01 1.96 7.86 11.16 11.58 14.92 39.73 59.18 18.75 21.07 13.01 50.77 14.22 25.44 64.26 23.36 407.29 As on 31-03-2015 63.38 78.27 89.92 81.85 295.52 266.48 138.78 205.67 350.26 160.92 182.99 234.56 173.68 100.17 103.14 506.37 131.02 485.49 152.13 277.42 289.13 324.72 4691.87 Collection Balance % of O.D Demand Collection Balance % of O.D 71.24 93.19 91.60 84.18 114.30 302.35 317.25 153.00 208.73 356.55 186.36 186.00 298.82 197.04 102.13 517.95 170.75 544.67 158.95 296.17 310.20 337.73 5099.16 Demand of ST Agri. Loans as on 31-03-2015 and 31-03-2016 of ST TOTAL Comparative position of Demand, Collection and Balance particulars of PACCS in respect Comparative position of Demand, Collection and Balance particulars PACCS NAME OF THE DCCB COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR

~~THOOTHUKUDI TIRUCHIRAPALLI 1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 21 22 Sl. No.~~

133 -- -- 3.59 84.63 60.36 96.00 41.00 522.00 108.00 613.81 776.98 208.19 160.13 543.14 Over 1137.00 3147.00 1541.88 2956.87 2218.00 3324.24 4429.10 7194.93 3 years 41130.21 11963.36 0.23 60.03 74.48 30.86 15.00 39.42 12.00 38.58 119.50 180.90 324.00 437.41 694.59 145.00 288.60 729.68 193.00 317.49 983.72 310.40 Over (Rs. in Lakhs) 3 years 1727.54 1482.30 1360.75 9565.48 less than 2 years but 0.70 2.00 13.27 118.95 211.42 131.00 155.63 450.20 456.80 389.62 406.00 228.00 505.75 316.00 139.24 201.85 313.00 901.68 420.86 142.29 Over 4064.95 1207.82 1287.64 2 years less than 12064.67 1 year but 0.41 19.00 10.12 97.00 41.20 14.00 350.20 358.09 722.12 802.10 251.12 496.00 703.14 206.79 586.01 776.00 869.40 Over 1871.65 4612.84 2218.09 1653.38 1207.10 1754.17 but less 19619.93 6 months than 1 year -- 5.81 6.18 PERIOD-WISE CLASSIFICATION AS ON 31-03-2016 PERIOD-WISE CLASSIFICATION 150.60 915.00 266.00 925.84 1101.68 1175.45 4544.17 1562.00 1341.72 2197.00 2038.71 1840.53 2814.32 2515.83 9708.93 1245.00 2064.83 5334.00 2347.62 54138.01 10036.79 6 months Less than -- 3.19 63.00 77.58 Over 110.00 534.00 522.81 200.94 573.00 962.35 204.86 3 years 1110.00 1120.00 1132.00 4380.83 7208.89 1933.00 3106.51 1717.47 2787.18 1896.16 2678.56 4336.85 36659.18 -- -- 1.89 11.00 10.15 98.00 72.57 48.70 14.66 82.82 39.00 719.26 301.46 931.33 326.72 252.04 224.84 677.00 623.21 153.00 263.00 Over 1230.00 1345.93 7426.58 3 years less than 2 years but ------0.43 2.00 11.17 90.28 29.00 Over 192.23 264.58 543.82 362.50 397.40 430.31 551.00 251.86 175.00 891.85 414.07 130.83 275.00 2 years 1126.32 7164.92 1025.27 less than 1 year but -- 0.58 7.15 59.00 12.71 19.00 with comparative position as on 31-03-2016 Over 734.38 178.78 386.00 561.04 969.00 921.32 547.52 364.70 828.14 106.00 334.00 but less 1458.78 1235.20 1028.39 1265.01 1662.00 1735.06 6 months 14413.76 than 1 year -- 5.08 11.47 66.32 899.00 636.30 652.00 630.75 778.00 538.70 897.65 PERIOD-WISE CLASSIFICATION AS ON 31-03-2015 PERIOD-WISE CLASSIFICATION 1162.63 1217.00 1987.55 2057.71 1989.00 2437.60 2139.00 1075.62 4677.80 1248.00 4920.48 12435.29 42462.95 6 months Less than Age-wise Classification of Overdues DCCBs under all loans as on 31-03-2015 TOTAL NAME OF THE DCCB THOOTHUKUDI RAMANATHAPURAM CHENNAI COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI SALEM SIVAGANGAI THANJAVUR TIRUCHIRAPALLI TIRUNELVELI VELLORE VILLUPURAM VIRUDHUNAGAR TIRUVANNAMALAI 1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 21 22 23 Sl. No.

134 27.43 83.98 83.20 32.19 72.24 38.92 87.03 90.30 93.51 96.95 86.98 95.09 96.76 95.77 51.01 31.18 80.75 29.70 41.85 79.76 94.99 66.32 71.83 Percentage 23263 96700 55890 54885 47669 39470 10685 13070 115136 259070 177963 273501 212860 161927 174623 251803 126739 645397 176314 319062 200857 128000 3564884 No. enrolled Weaker Sections 84801 75981 49170 37803 34264 44000 116220 118988 211452 308485 173640 457262 314260 235720 173165 200762 264805 248446 799289 421340 400042 193000 4962895 No. of Land holding persons 30.90 78.74 54.58 62.93 64.79 40.89 88.27 61.57 81.88 62.59 89.36 77.50 91.89 99.70 65.77 29.83 76.28 45.46 46.31 82.90 77.01 73.54 68.22 Percentage 47341 53425 74720 115595 495116 376009 469600 179474 285742 359527 317870 317550 501025 279180 282355 814833 269810 249486 157757 248314 510198 164000 6568927 No. enrolled All Sections 97024 611878 269011 153188 477531 860420 285174 441060 879351 361218 515720 184690 312422 364350 886749 379307 179125 649077 347000 536227 615449 223000 9628971 No. of Land holding persons overage of Agricultural Families by Co-operatives as on 31-03-2016 overage of C TOTAL NAME OF THE DCCB COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR

~~THOOTHUKUDI TIRUCHIRAPALLI 1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 21 22 Sl. No.~~

135 -- 31.10 78.96 98.82 48.40 17.00 58.46 75.42 55.35 95.64 79.22 54.65 87.98 92.71 67.54 80.23 90.85 82.15 83.90 53.79 49.00 70.00 52.10 66.09 Percentage -- 99670 55890 22668 47669 71837 39470 44168 26847 62000 116316 204561 159896 207602 192176 207982 104818 269940 101682 660518 258961 182351 278236 Of which Members 3415258 Borrowing Weaker Sections -- 60175 81650 58440 48618 32000 291166 115477 355114 119000 320513 259070 161800 138806 254808 375777 121623 191798 126739 804065 481418 372145 397469 5167671 Memberss Total No. of Total 60.11 40.46 74.55 57.68 93.80 85.21 91.63 70.51 90.55 89.03 45.35 39.21 42.31 69.46 32.99 59.40 37.62 69.50 83.74 42.77 34.66 28.10 36.54 76.00 Percentage 190 86178 346111 314861 217495 179474 309486 233453 225179 347518 238528 175268 502235 940577 247231 175921 234350 857319 148291 272915 253979 345059 129000 6780618 Of which Members Borrowing All Sections 505 578119 115595 498010 376009 508520 517858 638928 296288 589528 303862 535436 269810 249486 258818 962955 327000 696071 600234 496762 391000 1101237 1103894 11415925 Members Total No. of Total TOTAL NAME OF THE DCCB NUMBER OF BORROWING MEMBERS THROUGH CO-OPERATIVES AS ON 31-03-2016 THROUGH CO-OPERATIVES MEMBERS BORROWING NUMBER OF CHENNAI COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR

~~THOOTHUKUDI TIRUCHIRAPALLI 2 1 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 21 22 23 Sl. No.~~

~~136 PERFORMANCE UNDER THE CROP INSURANCE SCHEME SINCE INCEPTION~~

~~Extent (Rs. in Lakhs) Sl. No. of Sum Premium Crop covered Indemnity No. Season Farmers insured collected (Hectares) paid~~

1 RABI 2000-01 83715 174267 10326.40 203.13 50.29 2 KHARIF 2001 18378 33581 2564.94 65.31 81.02 3 RABI 2001-02 145169 115205 17083.14 327.11 1553.04 4 KHARIF 2002 14896 28427 2487.44 52.15 273.63 5 RABI 2002-03 72423 118166 10280.29 206.61 3039.81 6 KHARIF 2003 8544 16358 1587.51 30.97 53.81 7 RABI 2003-04 57409 86433 8831.00 181.30 840.67 8 KHARIF 2004 12372 22710 2371.44 48.06 89.16 9 RABI 2004-05 133267 224382 26938.92 572.70 3768.73 10 KHARIF 2005 12998 24447 2911.40 75.56 58.98 11 RABI 2005-06 87749 153686 19149.56 387.06 4762.32 12 KHARIF 2006 81638 139491 9044.78 216.82 11.03 13 RABI 2006-07 207594 309502 20974.51 448.78 137.98 14 KHARIF 2007 82407 45563 12772.60 174.73 60.08 15 RABI 2007-08 199809 357873 25950.73 414.82 705.69 16 KHARIF 2008 95678 33872 8850.75 138.18 19.71 17 RABI 2008-09 528319 429107 117104.38 1240.92 57.12 18 KHARIF 2009 341940 566495 63471.19 1194.21 9306.94 19 RABI 2009-10 371956 500500 50630.43 1278.58 83.26 20 KHARIF 2010 343807 263658 102693.96 1380.81 4596.48 21 RABI 2010-11 559610 316372 180275.45 2301.35 558.38 22 KHARIF 2011 233711 308212 74797.03 1310.23 11532.43 23 RABI 2011-12 247650 443509 70604.31 1050.76 4406.56 24 KHARIF 2012 336059 693155 106109.30 1962.54 941.24 25 RABI 2012-13 789320 1131349 223842.12 3314.48 4767.31 26 KHARIF 2013 346660 746921 113344.68 2417.13 1814.40 27 RABI 2013-14 437474 864130 118927.30 3560.06 1146.34 28 KHARIF 2014 198295 267031 80035.98 1150.58 1265.05 29 RABI 2014-15 409230 536576 143181.68 1700.76 6145.38 30 Kharif 2015 553567 766231 214068.98 2873.98 2534.23 31 Rabi 2015-16 465051 1065401 177992.22 2667.39 1321.95

137 ------0.04 7.33 54.22 91.43 12.26 17.06 68.64 24.15 Paid 171.33 273.55 120.19 209.43 272.32 1321.95 Indemnity (Rs. in Lakhs) 0.04 2.09 7.33 54.22 22.98 51.67 48.69 20.01 47.32 17.06 59.40 68.64 73.02 72.97 74.05 240.41 151.51 203.76 209.43 345.35 498.17 399.27 2667.39 Premium collected 4.57 119.15 682.26 154.28 Sum 5611.94 1541.16 2870.00 5767.85 4784.94 8964.00 6193.82 2162.68 1664.14 1893.73 4769.01 8381.50 8852.94 15114.25 Insured 14054.38 21440.24 33992.19 28973.19 177992.22 30.65 119.63 RABI 2015-16 (OCTOBER TO MARCH) 5640.39 8166.44 5357.64 5971.43 2782.05 949.125 2997.364 2977.593 25502.48 78802.00 34390.47 98145.00 84638.71 29838.52 14800.48 39047.00 15558.00 48347.06 Extent (Acres) Covered 168518.90 392820.00 1065400.932 240 127 616 3117 1150 2323 3408 7926 2912 4508 11506 14911 27302 15784 60603 73585 35598 25636 12101 19236 18871 No. of 123591 465051 Farmers ------3.11 0.11 0.25 8.25 36.06 51.36 12.47 22.48 Paid 300.80 568.03 288.08 268.84 328.45 330.38 315.56 2534.23 Indemnity 0.11 3.11 3.40 4.14 0.25 2.66 3.12 0.39 87.83 69.32 87.72 40.49 43.44 98.96 71.24 31.19 936.60 189.52 268.84 328.45 287.65 315.56 2873.98 Premium collected 9.56 12.45 72.23 57.00 124.57 132.03 183.30 Sum 3118.99 9917.25 4713.51 3286.37 5693.91 3266.66 3109.47 2160.55 4185.32 1926.00 Insured 89675.02 23289.57 34675.49 10014.27 14445.46 214068.98 39.55 43.19 217.26 220.42 235.66 160.51 437.26 4471.83 9225.00 8083.53 Extent 11645.35 12995.56 53503.00 36723.52 52207.94 34790.00 20932.00 21422.00 (Acres) Covered 217223.43 21736.306 158917.42 100999.82 766230.556 KHARIFF 2015 (APRIL TO SEPTEMBER) 52 58 151 261 143 240 315 9258 4800 4122 5828 3443 4714 No. of 22498 10042 62030 95774 17436 42477 10135 47000 Farmers 212790 553567 TOTAL Utilisation of Crop Insurance Scheme by Members Co-operatives during the year 2015-16

NAME OF THE DCCB COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR THOOTHUKUDI TIRUCHIRAPALLI TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR 1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 21 22 Sl. No.

138 538.48 538.48 Outstanding 6582.09 6582.09 as on 31-03-2016 (Rs. in lakhs) Outstanding as on 31-03-2016 (Rs. in lakhs) __ __ during the year Amount received -- -- Amount received from Govt. __ __ during the year Advanced to PCD Fund 6582.09 6582.09 538.48 538.48 Outstanding as on 31-03-2015 Outstanding as on 31-03-2015 WAIVED LOAN AMOUNT DUE FROM GOVERNMENT - 2015-16 DUE FROM GOVERNMENT AMOUNT LOAN WAIVED ADVANCES TO CCBS PCD FUND CONTRIBUTION A/C - 2015-16 CCBS PCD FUND CONTRIBUTION TO ADVANCES TOTAL TOTAL Particulars Particulars Apex Bank’s operation with Govt. Apex Bank’s Contribution to PCD Advances FUND as

139 22899229 -71450.00 2578690.00 2718096.20 4296943.00 2024151.85 11812028.30 95113683.47 30023792.80 38903047.00 10809518.31 77820066.50 55065599.40 16497954.00 14901396.00 13431270.00 27983104.89 14291952.00 30556012.00 34920974.51 Balance as 110712122.20 on 31.3.2016 144666572.00 296788770.50 397645980.00 PACCS - DGF PACCS 1055754974.00 1456389503.95 (Amount in Rupees) ------100000 -11,450 2960000 112925632 115974182 of loan Repayment Other Receipts - -- -- 287082 451918 899194 1571138 4437622 2278582 7707174 5526150 2416297 4047558 1849730 1340220 4981273 5345689 6081031 1561950 4042202 3827224 6842360 Total 20961193 40616287 33320324 (4+5+6) 160392198 160392198 -- -- 47872 75315 261856 739604 379764 921025 383899 674590 308288 149866 223370 830205 890900 260325 673692 637865 1140393 5553335 3493532 1284529 6769381 1013505 26713111 26713111 (0.05%) Apex Bank -- -- 95684 DCCB 523714 759527 880700 616577 150631 299731 446740 520650 (0.10%) 1479207 6987064 2569058 1842050 1349183 1660427 1782000 2027010 1347384 1275730 2280787 11106671 13538762 54209397 53539287 -- -- 670110 785568 143526 924865 225972 449597 780975 3421180 2218811 1139291 1151698 2021126 3853587 2763075 2023785 2490641 2672789 3040516 1913629 (0.15%) PACCS 79469690 80139800 16660318 10480597 20308144 Remittance towards premium to the fund 12730002 26513810 19072005 -60000.00 8530936.31 2291608.00 2266178.20 3397749.00 Opening 70112892.50 11581540.00 28452654.80 34465425.00 89750929.18 49539449.40 14081657.00 10853838.00 10471808.30 89767994.47 21902073.89 27978614.51 - 5917121.15 Balance as on 1.4.2015 111346248.00 256172483.54 895362775.95 284720348.00 1180023123.95 PACB DEPOSIT GUARANTEE FUND - DETAILS FOR THE YEAR 2015-16 THE FOR GUARANTEE FUND - DETAILS DEPOSIT PACB Total DCCB Name of the Coimbatore Cuddalore Dharmapuri Dindigul Erode Kancheepuram Kanyakumari Kumbakonam Madurai Nilgiris Pudukkottai Ramanathapuram Salem Sivagangai Thanjavur Thoothukudi Tiruchirapalli Tirunelveli Tiruvannamalai Vellore Villupuram Virudhunagar Interest Audit Fee 1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 21 22 Sl. No.

140 1,04,363 3,71,138 7,76,749 51,37,655 68,28,057 80,69,910 80,09,664 21,91,472 Total 2,62,88,511 1,66,48,488 1,58,70,352 2,40,28,341 1,36,61,301 2,20,19,248 2,56,52,079 4,31,82,852 2,88,76,928 32,13,80,952 12,32,24,834 35,60,23,820 40,67,58,636 Assistance 1,13,37,24,398 1,45,51,05,350 20,873 1,55,350 4,38,292 1,39,975 13,65,611 51,30,412 86,36,571 57,92,216 20,32,595 16,01,933 44,13,455 31,74,071 48,05,673 33,00,508 52,57,704 10,27,532 33,29,699 Govt. of 7,12,04,770 8,13,51,726 2,60,89,867 8,03,45,488 Tamil Nadu Tamil Share (20%) 22,92,68,833 30,96,14,321 83,490 6,21,399 2,31,163 17,53,180 60,37,315 64,07,731 41,10,123 54,62,446 (80%) 2,05,21,667 3,45,46,281 2,30,84,712 1,76,05,793 9,71,34,967 1,26,96,281 1,92,22,668 1,03,60,793 2,10,30,807 1,33,18,789 Govt. of 28,48,19,050 32,54,06,910 90,44,55,565 24,10,35,464 India Share 1,14,54,91,029 Total Recapitalisation assistance received assistance Recapitalisation Total 2 2 1 2 1 66 29 24 81 86 31 19 12 64 95 60 18 21 39 22 43 717 718 No. of PWCS - - - - - 3,71,138 2,72,609 4,73,537 44,22,510 19,34,796 41,36,861 22,89,082 47,34,203 Amount 3,79,97,973 1,79,42,314 1,43,90,560 2,07,64,609 1,34,84,871 1,61,12,727 30.1.2014 25,51,50,169 10,43,24,258 49,88,02,217 49,88,02,217 received on PHASE - II - - - - - 8 3 4 6 2 5 2 5 1 11 10 17 17 22 15 128 128 No. of PWCS - 7,76,749 1,04,363 1,76,430 51,84,879 21,91,472 57,80,828 80,09,664 40,76,934 14,79,792 32,63,732 48,65,046 63,54,520 Amount 2,12,29,569 2,69,42,132 1,89,00,576 1,01,75,784 1,19,14,285 13.5.2013 35,18,86,959 15,16,08,467 63,49,22,181 32,13,80,952 95,63,03,133 19.1.2013 & received on PHASE - I - 2 2 2 1 3 1 56 21 24 78 75 27 12 58 78 38 16 37 17 42 589 590 No. of and Restructuring of Handloom Sector Scheme (RRR Package) PWCS 2 2 1 2 1 63 31 33 97 31 19 27 83 89 18 21 62 23 44 113 191 952 953 No. of PWCS GRAND TOTAL Total (80 : 20) Total Name of the DCCB COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR THOOTHUKUDI TIRUCHIRAPALLI TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR Cooptex (75 : 25)

1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 Sl. No. Recapitalisation Assistance received from Government of India & Government of Tamil Nadu for PWCS under Revival, Reform PWCS under Nadu for Tamil Government of India & from Assistance received Recapitalisation

141 Total 2,74,307 2,32,695 6,59,276 2,29,024 7,29,775 42,70,610 77,71,243 66,28,245 15,99,017 23,93,578 35,25,051 54,39,541 23,96,978 44,29,086 9,16,46,411 1,86,99,005 3,45,94,087 1,58,81,389 2,17,31,822 1,59,53,730 5,20,94,235 29,11,79,105 23,90,84,870 1,28,345 7,70,484 1,03,647 5,61,852 1,10,594 3,34,576 Amount 11,81,117 88,93,005 22,04,138 32,22,757 31,10,713 72,86,787 14,94,080 27,06,443 10,88,467 22,09,946 77,67,314 3,85,83,986 1,52,26,001 1,04,33,224 3,02,90,744 10,74,17,476 13,77,08,220 1 3 2 1 1 1 50 28 32 60 29 16 79 98 33 14 21 43 21 43 157 732 733 No. of PWCS 78,368 64,647 31,818 63,153 2,11,369 5,40,541 6,18,335 6,02,151 42,22,211 11,72,746 55,88,557 12,39,984 23,35,950 18,81,179 64,74,545 12,59,849 14,64,141 35,80,495 Amount 2,88,41,031 1,22,23,705 7,24,94,775 1,21,68,650 8,46,63,425 2012-13 2013-14 2 2 2 1 1 1 55 28 33 59 29 18 80 99 65 14 21 37 21 44 No. of PWCS 158 769 770 Total Interest subvention received Total 67,594 64,401 65,606 55,277 8,26,488 2,87,992 5,94,126 8,58,225 1,83,830 7,06,360 7,54,999 42,17,443 22,12,536 71,44,381 16,36,353 43,72,391 48,24,053 14,73,249 46,05,921 96,34,841 Amount 2,42,21,394 5,91,72,619 6,88,07,460 2011-12 Restructuring of Handloom Sector Scheme 1 2 2 2 1 1 54 28 33 62 29 17 80 99 65 14 20 37 21 44 158 769 770 No. of PWCS 2 2 1 2 1 63 31 33 97 31 19 27 83 89 18 21 62 23 44 113 191 952 953 No. of under PWCS DIMRC coming GRAND TOTAL Total (80 : 20) Total Name of the DCCB COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR THOOTHUKUDI TIRUCHIRAPALLI TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR Cooptex (75 : 25)

1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 Sl. No. Interest subvention claim received from Govt. of India for Primary /Apex Weavers Coop. Societies under Revival, Reform and Coop. Societies under Weavers Primary /Apex Govt. of India for from subvention claim received Interest

142 % of 2015 - 16 Utilisation (Rs.in lakh) during the year 0.04 -- YARN (Rs. in crores) on 31.03.2016 Outstandings as Repayments POWERLOOM Borrowings 49.23 138.78 128.57 20.19 0.01 -- 2015-16 2013-14 2014-15 2015-16 2013-14 2014-15 2015-16 O/s Borrowings as on 01-04-2015 CO-OPTEX’s OPERATION WITH APEX BANK WITH OPERATION CO-OPTEX’s SHORT TERM WEAVERS FINANCE - 2015-16 WEAVERS TERM SHORT HANDLOOM Limit 7768.001677.00 2500.00 -- 4600.00 2500.00 -- 4600.00 59.22 ------27673.00 1000.00 1000.00 1000.00 1000.00 3.61 69.0378.1097.63 45.33 64.74 80.93 37.63 67.60 87.04 9.11 11.98 99.83 8.67 13.98 98.86 10.17 16.25 96.95 0.04 9.00 100.00 ------80.0023.24 80.00 69.03 77.68 45.33 12.00 10.94 14.00 9.11 16.77 8.67 9.00 5.59 5.00 - -- 344.78298.99 392.43 416.13 381.93 389.64 47.40 138.34 130.07 14.56 0.05 -- 2013-14 2014-15

Particulars of credit limit sanctioned by NABARD and utilisation thereof by Apex Bank during 2015-16 by limit sanctioned by NABARD and utilisation thereof Particulars of credit NABARD Total 37118.00 3500.00 5600.00 3500.00 5600.00 Limit sanctioned by PARTICULARS (a) Handlooms (b) Powerloom Closing Balance Maximum O/s % of utilisation Year Limit Opening Balance Issues Recovery i) DCCBs To ii) Co-optex To

~~ST. WEAVERS NABARD BORROWINGS & REPAYMENT 2015-16 NABARD BORROWINGS & REPAYMENT WEAVERS ST.~~

143 ------12.03 30.46 99.97 50.63 62.80 10.00 86.40 78.73 100.00 % of (Rs. in Lakhs) Utilisation ------45.00 500.00 500.00 300.00 965.84 400.00 650.00 540.00 year 2015-16 1176.86 Amount Maximum O/s during the ------45.00 374.34 300.00 773.60 751.18 500.00 as on 2744.12 31.03.16 Out standing ------97.11 36.85 84.80 125.66 835.96 166.76 400.00 180.62 650.00 990.00 106.24 1100.55 4774.55 by DCCBs Amount repaid ------45.00 500.00 300.00 799.00 400.00 900.00 500.00 650.00 990.00 5084.00 to DCCBs Loan Issued ------97.11 36.85 84.80 810.56 166.76 951.73 180.62 106.24 as on FINANCING PWCS FOR 2015-16 2434.67 31.03.15 Outstanding 45.00 984.83 966.16 790.00 134.50 156.98 752.33 446.50 685.87 Limit 1196.77 4156.82 1000.00 4601.30 1000.00 1873.97 5000.00 3967.56 27758.59 to DCCBs sanctioned Name of the DCCB TOTAL 1 COIMBATORE Sl. No. 2 CUDDALORE 3 DHARMAPUR 4 DINDIGUL 5 ERODE 6 KANCHEEPURAM 7 KANYAKUMARI 8 KUMBAKONAM 9 MADURAI 1 0 RAMANATHAPURAM 11 SALEM 12 TIRUCHIRAPALLI 13 TIRUNELVELI 14 TIRUVANNAMALAI 15 VELLORE 16 VILLUPURAM 17 VIRUDHUNAGAR OPERATION OF SHORT TERM WEAVERS THE CREDIT DCCB SANCTIONED TO LIMIT FOR TERM WEAVERS SHORT OF OPERATION

144 -- -- 4.45 0.73 6.30 1.61 5.63 3.16 0.39 4.83 27.21 45.07 23.70 16.96 84.75 22.45 14.36 10.08 of Overdue Percentage (Rs. in Lakhs) -- -- 2.16 27.28 47.57 28.22 14.31 52.53 62.51 111.46 846.20 103.39 128.31 605.76 142.35 137.87 as on 1384.57 3694.49 Overdue 31.03.2016 613.71 247.28 756.44 755.64 714.77 452.60 233.97 246.94 435.34 570.61 3110.14 1000.61 6841.92 1754.01 2530.20 2854.56 13219.17 36337.91 31.03.2016 PWCS with DCCB as on Outstanding of 87.27 781.67 450.32 1145.77 2994.11 2882.43 1437.59 4096.98 1794.37 2635.73 8057.54 2002.61 2184.19 3582.44 11773.38 48260.41 14667.67 PWCS made by 108834.48 Repayment 91.27 412.11 813.45 Loan 2114.40 1161.08 1835.52 2771.86 8881.07 2000.08 2382.43 3786.57 3137.14 1508.94 4822.55 11528.98 to PWCS 48084.85 14316.34 109648.64 disbursement 572.56 243.28 864.48 758.97 557.40 752.98 309.57 202.19 363.99 555.30 3354.54 6018.39 1549.88 2881.53 1014.97 2128.99 PWCS 13394.73 35523.75 Outstanding with DCCBS as on 31.03.2015 PWCS DURING THE YEAR 2015-16 THE PWCS DURING 77.00 751.00 818.00 134.50 727.57 305.48 795.90 456.00 793.87 3160.18 1045.00 7048.47 1001.50 1783.60 4175.12 3579.15 PWCS 17496.99 44149.33 DCCB to Credit Limit sanctioned by TOTAL OPERATION OF SHORT TERM WEAVERS CREDIT LIMITS SANCTIONED TO THE TO LIMITS SANCTIONED CREDIT WEAVERS TERM SHORT OF OPERATION Name of the DCCB Sl. 1 COIMBATORE 2 CUDDALORE 3 DHARMAPURI 4 DINDIGUL 5 ERODE 6 KANCHEEPURAM 7 KANYAKUMARI 8 KUMBAKONAM 9 MADURAI 10 RAMANATHAPURAM 11 SALEM 12 TIRUCHIRAPALLI 13 TIRUNELVELI 14 TIRUVANNAMALAI 15 VELLORE 16 VILLUPURAM 17 VIRUDHUNAGAR No.

145 _ _ _ 239.70 8085.00 2332.00 61100.00 (Date) 44715.00 Maximum (08.03.2016) (04.12..2015) (22.08.2015) (07.09.2015) (12.05.2015) Outstanding __ _ _ _ (Rs. in Lakhs) 76.00 132.00 1256.00 (Date) 26376.00 13366.00 Minimum (31.03.2016) (24.03.2016) (24.03.2016) (07.03.2016) Outstanding (04.06.2015) as on 3979.13 1829.26 26376.00 13451.00 48148.39 31.03.2016 Outstanding _ _ _ 295037.00 Received 136989.00 133074.00 Repayments 3979.13 1829.26 Drawals Allowed 105090.00 102255.00 _ _ _ _ _ 196.00 5645.00 18000.00 22389.00 1256.00 as on 58275.00 44270.00 108386.00 234801.39 01.04.2015 Outstanding ______419.00 492.00 250.00 242.00 3979.13 1829.26 7339.00 3156.00 2335.00 1015.00 as on 39000.00 86700.00 114000.00 253266.39 Total limit Total 31.03.2016 Purpose NON-AGRICULTURAL PURPOSES AND OPERATIONS IN THE LIMITS DURING 2015-16 THE LIMITS DURING IN AND OPERATIONS PURPOSES NON-AGRICULTURAL Total PARTICULARS OF LIMITS SANCTIONED BY THE APEX BANK TO DCCBs FOR VARIOUS DCCBs FOR TO APEX BANK THE LIMITS SANCTIONED BY OF PARTICULARS Employees’ Societies Jewel Loan (PACCS) Jewel Loan (Branches) Jewel Loan Special PACCS Jewel Loan Special III VI VII XII No. Account MT Soft Loan 2015 to Coop. Sugar Mills and Perambalur Sugar Mill Scheme for extending Financial Assistance Scheme for extending Financial 2014) to (SEFASU to Sugar undertakings Coop. Sugar Mills and Perambalur Mills - MT Loan Consortium Finance to Coop. Sugar Mills through DCCBs Unit : TASCO Consortium Finance to Anna Sugar Mill Arignar Consortium Finance to Perambalur Sugar Mill

146 953.55 882.52 287.72 500.05 428.25 794.30 1178.27 1676.54 1490.84 1953.05 4127.58 1948.25 5512.15 1572.09 3013.35 1733.73 1700.42 6953.39 1947.50 5610.52 1370.65 8618.46 3672.51 Amount 57925.69 2015-16 (Rs. in Lakhs) 298 609 646 743 750 659 482 187 608 553 350 392 1186 1047 2006 1675 7042 8355 3203 2904 2915 3974 Achievement for 24015 64599 No. of Groups 900 900 700 2200 3100 2500 3250 2000 4200 3500 3800 2500 1600 1700 2400 1200 5850 1200 5700 1300 8700 3200 2500 64900 2015 -16 Target for Target 178.73 968.65 714.43 433.31 996.69 662.17 257.50 1153.00 2733.90 1403.03 2393.25 1087.42 4027.56 1329.94 4308.47 1282.96 2059.15 1875.30 1852.41 5207.18 5068.54 7910.14 3506.12 Amount 51409.85 for 2014-15 33 Achievement 959 870 829 455 802 327 284 399 236 331 129 1092 1054 1017 2216 1968 5250 7632 2472 3224 4858 1459 No. of 37896 Groups 800 850 700 1150 2000 2850 2300 2960 1800 3800 3250 3450 2300 1500 1600 2150 1025 5175 1050 5200 7890 2900 2300 59000 2014-15 Target for Target 954.00 905.95 462.95 764.18 996.80 958.36 590.42 667.47 Amount 1140.35 1161.44 4919.09 7577.94 2551.60 1937.14 2700.06 1003.28 2730.62 2965.96 3234.49 1495.94 1432.45 1453.16 4861.61 47465.26 for 2013-14 659 964 647 693 383 692 291 814 190 905 330 Achievement 1115 1102 1207 2219 1824 4369 1571 2699 6272 3141 4507 No. of 20536 57130 Groups 800 600 700 700 700 700 1100 1500 2700 2300 2800 1700 3800 1500 2700 2300 1500 1300 1000 4950 5000 7200 2300 49850 2013-14 Target for Target LOANS ISSUED TO SELF-HELP GROUPs BY DCCBs 846.35 442.32 813.41 473.78 961.00 575.80 1384.22 2252.45 1784.90 2479.31 1396.91 3182.38 2726.39 2870.82 2069.10 1246.44 1004.10 1753.00 4120.95 4393.10 6515.65 2988.06 1701.23 Amount 47981.67 FLOW OF CREDIT TO WOMEN THROUGH SHGs for 2012-13 875 607 345 746 417 676 352 193 510 Achievement 1148 2811 1991 1377 1328 2365 1529 1470 1531 2667 2768 4005 2146 2339 No. of 34196 Groups 750 750 450 850 675 900 1120 1200 2250 2500 2350 2200 2950 4750 2600 2150 1275 1750 4100 4350 5900 2480 1700 50000 2012-13 Target for Target TOTAL NAME OF THE DCCB CHENNAI COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR THOOTHUKUDI TIRUCHIRAPALLI TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR 1 2 3 4 5 6 7 8 9 Sl. 11 No. 10 12 13 14 15 16 17 18 19 20 21 22 23

~~147 89.00 541.75 501.73 471.36 660.60 431.98 502.88 615.28 1128.42 2356.44 1766.55 1920.30 1877.65 3102.18 1030.49 2422.65 3850.02 4814.63 8777.27 3243.49 2342.22 13219.34 73246.83~~

~~TOTAL (Rs. in lakhs) CONSOLIDATED 6143.56 NHFDC 41 ------~~

500.00 510.89 8645.83 1509.98 11166.70 NRLM ------74.44 119.87 350.11 307.74 616.05 521.36 415.00 346.28 800.27 174.26 799.90 200.63 444.67 350.40 775.22 440.17 1353.12 1753.68 1593.87 11437.04 SHG ------0.04 0.40 0.03 0.07 0.80 1.03 2.37 RURAL HOUSING 89.00 680.07 541.75 953.66 252.14 385.56 612.71 204.84 481.92 615.07 615.28 2100.33 1510.31 1659.88 3102.18 2191.39 3790.00 1049.06 4031.38 7866.54 3798.27 1509.40 38040.74 LTRCF ------76.79 60.02 79.33 85.80 47.82 20.96 256.11 256.24 740.23 217.77 249.59 230.86 783.25 227.14 910.73 775.24 320.90 1117.64 6456.42 ARF TOTAL Name of the DCCB CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR THOOTHUKUDI TIRUCHIRAPALLI TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR COIMBATORE SCHEME WISE BORROWINGS OUTSTANDING OF DCCBs AND TNSC BANK AS ON 31.03.2016 TNSC BANK AND DCCBs OF WISE BORROWINGS OUTSTANDING SCHEME 1 2 3 4 5 6 7 8 9 11 22 10 12 13 14 15 16 17 18 19 20 21 S.No. 148 89.00 289.00 700.00 900.00 491.00 915.00 143.00 887.13 268.00 302.66 440.66 1154.89 1060.33 1590.68 2777.86 2628.44 3790.00 1757.06 2400.00 5580.50 6550.67 1726.34 39442.22

~~(Amount in Lakhs) CONSOLIDATED~~

3000.00 ------500.00 510.89 NRLM 4125.00 1426.34 6562.23 ------25.83 22.53 38.25 20.00 37.62 24.50 168.73 PODF NHFDC TOTAL ------422.35 423.33 214.63 162.66 1111.22 1470.57 3804.76 88.03 89.00 278.00 300.00 644.00 289.00 700.00 400.00 491.00 876.75 123.00 887.13 286.49 268.00 1168.33 5556.00 2425.67 1034.50 2332.00 1479.60 3790.00 2400.00 LTRCF 25906.50 BANK SHG SCHEMATIC / NHFDC BORROWINGS MADE FROM 01.04.2015 TO 31-03-2016 TO / NHFDC BORROWINGS MADE FROM 01.04.2015 SCHEMATIC COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR THOOTHUKUDI TIRUCHIRAPALLI TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR TOTAL 1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 21 22

~~S.No.~~

149 36.21 306.73 876.45 944.70 540.69 955.50 640.91 863.57 456.51 967.35 108.09 1116.31 1172.65 2678.13 1478.70 2700.92 3281.28 3827.68 2740.30 3029.88 1038.08 5675.02 6550.01 41985.67 (Rupees in lakhs) ------25.83 22.53 38.25 20.00 37.62 24.50 168.73 ------500.00 551.04 390.00 473.91 692.78 355.67 610.00 510.89 1560.94 2446.42 4125.00 1509.98 13726.63 -- 44.00 47.00 89.00 700.00 400.00 827.16 491.00 876.75 123.00 817.87 268.00 278.00 300.00 644.00 289.00 1062.50 2192.00 1479.81 3790.00 2400.00 5556.00 2015.00 LTRCF 24690.09 ------73.00 55.00 45.59 162.00 215.15 340.26 604.00 ARF 1495.00 FROM 01-04-2015 TO 31-03-2016 8.25 36.21 27.98 44.70 27.50 96.39 49.69 40.50 24.00 40.91 37.68 45.70 34.73 22.30 79.35 94.52 19.09 69.75 17.76 17.73 176.45 629.88 264.15 NHFDC 1905.22 SCHEMATIC LENDING - DISBURSEMENT OF LOANS TO DCCBs TO LOANS OF - DISBURSEMENT LENDING SCHEMATIC BANK NAME SHG PODF TOTAL CHENNAI COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR THOOTHUKUDI TIRUCHIRAPALLI TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR TOTAL 1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 21 22 23 S.No.

150 59.52 743.98 235.30 661.72 3039.37 1905.80 2204.02 2960.79 3796.77 1642.93 1294.29 4616.71 4703.92 1370.63 3342.01 6954.99 1973.06 1056.09 1344.13 9810.36 4922.40 3188.89 15560.21 77387.89 TOTAL (Rs. in lakhs) ------

8.38 5.31 42.65 67.18 49.48 27.98 17.94 20.00 37.62 25.83 22.53 389.95 121.07 941.46 105.54 PODF 59.52 85.60 87.36 55.64 87.33 92.07 55.85 90.76 53.92 79.26 85.67 41.35 35.41 43.90 46.37 46.52 333.37 176.74 105.43 172.95 196.07 490.36 1079.38 3600.83 NHFDC ------0.04 0.40 0.45 0.07 0.27 0.80 1.03 3.06 RURAL HOUSING ------74.42 113.47 830.36 591.78 668.69 215.82 350.00 766.66 957.66 513.00 414.86 740.30 800.00 146.81 1104.23 2286.04 1023.09 1917.74 2812.65 10479.82 26807.40 SHG/NRLM -- 89.00 680.00 537.87 953.65 218.28 975.09 143.05 562.88 163.78 481.87 615.00 615.20 2100.00 1538.21 1043.83 3084.50 1896.66 3790.00 2960.00 7866.00 2345.10 1508.60 34168.57 LTRCF ------76.77 60.00 20.96 591.86 256.00 256.16 670.00 903.66 259.86 673.53 169.02 300.64 148.45 222.47 1505.84 2418.15 1530.20 1803.00 ARF 11866.57 SCHEMATIC LENDING - ADVANCES OUTSTANDING AS ON 31.03.2016 OUTSTANDING ADVANCES - LENDING SCHEMATIC TOTAL Name of the DCCB CHENNAI COIMBATORE CUDDALORE DHARMAPURI DINDIGUL ERODE KANCHEEPURAM KANYAKUMARI KUMBAKONAM MADURAI NILGIRIS PUDUKKOTTAI RAMANATHAPURAM SALEM SIVAGANGAI THANJAVUR THOOTHUKUDI TIRUCHIRAPALLI TIRUNELVELI TIRUVANNAMALAI VELLORE VILLUPURAM VIRUDHUNAGAR 1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 16 17 18 19 20 21 22 23 S.No. 151 VIABILITY POSITION OF PACCS AS ON 31-03-2016

~~Sl. Potentially Name of the DCCB Viable Unviable No. Viable Total~~

~~1. COIMBATORE 252 3 -- 255~~

~~2. CUDDALORE 95 65 1 161~~

~~3. DHARMAPURI 147 97 7 251~~

~~4. DINDIGUL 114 25 58 197~~

~~5. ERODE 220 6 -- 226~~

~~6. KANCHEEPURAM 154 106 9 269~~

~~7. KANYAKUMARI 108 6 -- 114~~

~~8. KUMBAKONAM 171 77 20 268~~

~~9. MADURAI 198 37 25 260~~

~~10. NILGIRIS 69 3 2 74~~

~~11. PUDUKKOTTAI 113 15 8 136~~

~~12. RAMANATHAPURAM 56 53 22 131~~

~~13. SALEM 368 2 -- 370~~

~~14. SIVAGANGAI 89 10 26 125~~

~~15. THANJAVUR 196 35 2 233~~

~~16. THOOTHUKUDI 109 36 7 152~~

~~17. TIRUCHIRAPALLI 174 154 20 348~~

~~18. TIRUNELVELI 112 39 7 158~~

~~19. TIRUVANNAMALAI 149 8 -- 157~~

~~20. VELLORE 74 103 1 178~~

~~21. VILLUPURAM 147 88 1 236~~

~~22. VIRUDHUNAGAR 154 15 12 181~~

~~TOTAL 3,269 983 228 4,480~~

~~152 SHARE CAPITAL HELD BY DCCBs Ordinary Shares of the Bank as on 31-03-2016~~

Sl. Name of the Shareholder No. of Amount (Rs.) Percentage No. (DCCB/Govt.) Shares held 1. Chennai CCB Ltd. 10000 10,00,00,000 3.25 2. Coimbatore DCCB Ltd. 20000 20,00,00,000 6.50 3. Cuddalore DCCB Ltd. 11890 11,89,00,000 3.87 4. Dharmapuri DCCB Ltd. 11143 11,14,30,000 3.62 5. Dindigul CCB Ltd. 14000 14,00,00,000 4.55 6. Erode DCCB Ltd. 20000 20,00,00,000 6.50 7. Kancheepuram CCB Ltd. 10501 10,50,10,000 3.41 8. Kanyakumari DCCB Ltd. 10000 10,00,00,000 3.25 9. Kumbakonam CCB Ltd. 15189 15,18,90,000 4.94 10. Madurai DCCB Ltd. 10650 10,65,00,000 3.46 11. Nilgiris DCCB Ltd. 10000 10,00,00,000 3.25 12. Pudukkottai DCCB Ltd. 5750 5,75,00,000 1.87 13. Ramanathapuram DCCB Ltd. 8663 8,66,30,000 2.82 14. Salem DCCB Ltd. 24478 24,47,80,000 7.96 15. Sivagangai DCCB Ltd. 7203 7,20,30,000 2.34 16. Thanjavur CCB Ltd. 10304 10,30,40,000 3.35 17. Thoothukudi DCCB Ltd. 6100 6,10,00,000 1.98 18. Tiruchirapalli DCCB Ltd. 22714 22,71,40,000 7.39 19. Tirunelveli DCCB Ltd. 6189 6,18,90,000 2.01 20. Tiruvannamalai DCCB Ltd. 18500 18,50,00,000 6.02 21. Vellore DCCB Ltd. 14300 14,30,00,000 4.65 22. Villupuram DCCB Ltd. 13750 13,75,00,000 4.47 23. Virudhunagar DCCB Ltd. 5978 5,97,80,000 1.94 Sub - Total 287302 287,30,20,000 93.41 24. Govt. of Tamil Nadu 20260 20,26,00,000 6.59

~~Grand Total 307562 307,56,20,000.00 100.00 Share Suspense A/c (Amount received from Government of Tamil Nadu) 888,91,76,000~~

153 As on 31.03.2016 As on 31.03.2015 As on 31.03.2014 TNSC BANK - STAFF STRENGTH TNSC BANK - STAFF CATEGORY TotalDeputation from other Government Departments 439 382 398 1. 2.Director Managing / Administrator / Officer Special 3.Manager General 4.ManagersGeneral Deputy 5.ManagersGeneral Asst. 6.Managers Chief Managers 1 1 1 5 7 1 51. 50 7 2 Assistant Engineer 85 4 49 6 -- 85 50 84 - - - 7. 8.Managers Assistant 9.Executivesto P.A. 10.Taker Care 11. Assistants12.Typist / Typists - Steno 13. Electrical Assistants14.Operator Telephone 15. Sub-Staff16. Watchman17. Sweepers18. A/C Plant Operator Call Boys 1332. 4 Co-operative Sub-Registrar 3 86 -- 1 85 -- 4 48 3 -- 1 76 59 4 ------5 3 -- 138 -- 1 -- 63 -- -- 1 5 -- 55 -- -- 4 - -- - S.No.

~~154 ~~

~~ The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 : ~~

~~BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N"2*2*: U~~

Capital I 1196,47,96,000.00 1191,61,56,000.00 Y:

Reserves & Surplus II 751,97,83,759.01 719,41,64,162.68 c<" U/N

Deferred Income - Grants III 55,91,351.00 5,62,169.00 c- / !L1 ;!

Deposits and other Accounts IV 8212,37,11,475.08 7767,78,65,683.65 :" X B : CD B

Borrowings V 3768,71,78,072.00 3309,23,98,532.00 9/&/ Overdue Interest Reserve 8,05,14,790.03 8,05,14,790.03 C*1Sc<"

Interest Payable 206,11,34,640.78 155,93,90,710.00 98Q/7S1S

Other Liabilities & Provisions VI 213,60,15,567.01 184,05,39,542.11 :9/!X c<"

Profit & Loss Account 43,30,91,093.58 41,38,09,746.33 :!/ CD

Bills for collection being bills receivable 13,27,887.07 6,69,835.85 (as per contra) QDN1US1 R sQD=o//US1 (,- CD/S)

TOTAL 9 ! 14401,31,44,635.56 13377,60,71,171.65

156 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N"2*2*: U

As at As at ASSETS Schedules 31.03.2016 31.03.2015 U = C Rs. P. Rs. P. X* /* X* /* Cash on Hand and Balances with Banks VII 2451,76,54,554.18 2059,28,00,851.36 9! :' R :;X Money at call & Short Notice VIII 1167,91,72,553.21 75,00,00,000.00 7 X D'1=*PX9! Investments IX 3154,46,57,347.00 2831,04,14,738.00 A/" Advances X 7353,07,95,718.00 8082,00,45,033.03 0'1 Interest Receivable 163,48,78,020.67 116,50,34,368.35 9/&7S1S Branch Adjustments 6,02,73,612.84 64,25,33,459.54 ' < CD 8N/"/ 7S1 Fixed Assets XI 9,68,37,647.55 9,52,98,839.55 = 81!98! Other Assets XII 94,75,47,295.04 139,92,74,045.97 :U Bills Receivable being bills for collection 13,27,887.07 6,69,835.85 (as per contra) QDN1US1 R s!'7S1US1 (,- CD/S) TOTAL 9 ! 14401,31,44,635.56 13377,60,71,171.65

Contingent Liabilities 8!<9/!X 10,19,38,656.00 1,24,21,949.00 6r Sr srrqhr SCHEDULES, NOTES ON ACCOUNTS (XV) AND ACCOUNTING #$$%& $ ' () ( (*+' (, POLICIES(XIV) FORM PART OF FINANCIAL STATEMENTS 8C6SU@S@9688PVIU6IUT FOR THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LIMITED Av SrtI# "&TT!#

U8uv h S@yhth T6hhvhv SFh uvxrh SFh hi hhvh WvprQ rvqr 9Brr hyHhhtr Q rvqr Hhhtvt9v rp Qh r *:<7 ! , * 8 I :!* !-7 1 S*,! C HI! ''' 7 ! :1D C9/!7 !< Qyhpr)8urhv 9hr) (! % 157 THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LIMITED CHENNAI -600 001 K !" !J $"&9'OK9+98 : PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31-03-2016 31-03-2016- UAS S:!/ CD For the year ended EXPENDITURE 31.03.2016 31.03.2015 98P: Rs. P. Rs. P. X* /* X* /* Interest on Deposits and Borrowings 830,93,87,037.91 858,52,28,745.64 :" X +!'1 '1*D!:S Salaries and Allowances 64,93,61,941.24 75,73,83,948.00 nQ18/<+/S ; ! XJ- Directors & Local Committee Members’ Fees & allowances 4,18,569.00 3,71,401.00 :1D &D_U.: B !: C&/S Rent, Rates, Taxes, Service Charges, Insurance And Lighting 4,91,03,140.13 4,52,82,503.16 ! +N+ !?"+78 C, K C'1 Legal and Professional Charges 8,16,284.00 11,41,164.00 8 989!Q 8! 7!8 : C Postage, Telegrams and Telephone Charges 20,94,911.00 21,66,250.50 /! +- 9! 7/, C Travelling and Conveyance 12,76,468.00 18,81,714.00 /1C/S Audit Fees 25,99,435.00 22,88,117.00 I C Repairs and Maintenance 4,95,74,715.50 4,56,06,013.00 /_C /! NX Depreciation on Fixed Assets 1,87,16,182.00 2,86,00,095.50 J 1!:98! D!:7 !: Amortisation of Securities 3,48,21,391.00 3,62,45,573.00 . C1 R CJ-> Printing and Stationery 40,45,255.71 46,94,815.31 ,_9/!; =[ C Advertisement 46,45,453.00 37,99,682.00 P</98P: ACSTI Expenditure /M,J 1989 1,39,98,134.39 1,33,14,645.38

158 THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LIMITED CHENNAI -600 001 K !" !J $"&9'OK9+98 : PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31-03-2016 31-03-2016- UAS S:!/ CD For the year ended EXPENDITURE 31.03.2016 31.03.2015 98P: Rs. P. Rs. P. X* /* X* /* Sundry Expenses 11,15,51,966.28 11,08,07,085.64 , &98P: Provisions and Contingencies 8!<9/!X c<" A) Amount Provided for Bad and Doubtful Debts (NPA) 5,76,10,000.00 5,35,00,000.00 !! 87 .981 /! 98! 3c<" B) Provision for Investment Depreciation Reserve 79,65,000.00 51,97,500.00 A/" D!:7 !:N/!" Profit Before Tax and Appropriation 73,36,25,329.58 68,93,79,636.33 N c<SDA 1:!/

10,05,16,11,213.74 1038,68,88,889.46 Provision for Income Tax ; !:N !:c<" 24,95,29,236.00 24,87,41,140.00 Investment Fluctuation Reserve 5,10,05,000.00 2,68,28,750.00 A/"N&:& c<" Net Profit After Tax Carried to Balance Sheet ND.::;XJ NSD," 98 /J :!/ 43,30,91,093.58 41,38,09,746.33

SCHEDULES, NOTES ON ACCOUNTS AND ACCOUNTING POLICIES FORM 6r Sr srrqhr PART OF FINANCIAL STATEMENTS #$$%& $ ' () ( (*+' (, 8C6SU@S@9688PVIU6IUT Av SrtI# "&TT!# FOR THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LIMITED

S@yhth T6hhvhv SFh uvxrh U8uv h SFh hi hhvh Q rvqr WvprQ rvqr Hhhtvt9v rp 9Brr hyHhhtr Qh r *:<7 ! , * 8 I :!* !-7 1 S*,! HI! ''' C 7 ! :1D C9/!7 !<

Qyhpr)8urhv 9hr) (! %

159 THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LIMITED CHENNAI -600 001 K !" !J $"&9'OK9+98 :

PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31-03-2016 31-03-2016- UAS S:!/ CD For the year ended INCOME 31.03.2016 31.03.2015 ; !: Rs. P. Rs. P. X* /* X* /*

Interest on Advances 515,00,94,460.75 606,41,49,886.28 0'1 RD!:S

Income from Investments 440,94,36,908.77 382,78,34,171.71 A/" RY; !:

Commission, Exchange & Brokerage 95,01,926.43 1,19,55,145.69 A /D+/N !& D M

Rent on Safe Deposit Lockers 3,62,76,067.00 3,51,68,312.58 /! !X9/ B !:!

Profit on Sale of Securities 5,10,05,000.00 2,68,28,750.00 . C1 P/ : :!/

Other Income 1,33,13,964.79 1,27,29,444.20 :; !:

Interest Subsidy Received from Govt of Tamil Nadu 4,79,16,000.00 31,83,00,000.00 K !"=,K;9/&/S !L1

Interest Subvention Received from Govt of India 30,41,38,681.00 8,80,97,792.00 -1=,K;9/&/S !L1

160 THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LIMITED CHENNAI -600 001 K !" !J $"&9'OK9+98 :

PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31-03-2016 31-03-2016- UAS S:!/ CD For the year ended INCOME 31.03.2016 31.03.2015 ; !: Rs. P. Rs. P. X* /* X* /*

Managerial Subsidy - ACSTI 95,55,405.00 1,18,93,263.00 7 ! !L1/M,J 1

Technology Modernisation fund Released -- -- 9!Q d/ 0: 1 ! J-P"P

Investment Depreciation Reserve Released 2,03,72,800.00 7,80,29,916.00 A/"7 !:c<"P"P

Overdue Interest Reserve Released -- -- C*1S !XP"P

1005,16,11,213.74 1038,68,88,889.46

SCHEDULES, NOTES ON ACCOUNTS AND ACCOUNTING POLICIES 6r Sr srrqhr #$$%& $ ' () ( (*+' (, FORM PART OF FINANCIAL STATEMENTS 8C6SU@S@9688PVIU6IUT FOR THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LIMITED Av SrtI# "&TT!#

S@yhth T6hhvhv SFh uvxrh U8uv h SFh hi hhvh Q rvqr WvprQ rvqr Hhhtvt9v rp 9Brr hyHhhtr Qh r *:<7 ! , * 8 I :!* !-7 1 S*,! HI! ''' C 7 ! :1D C9/!7 !<

Qyhpr)8urhv 9hr) (! %

161 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /*

SCHEDULE I - CAPITAL = C I Y:

i.Authorised Capital =< N /Y: 4,00,000 Shares of Rs. 10,000/- each 400,00,00,000.00 400,00,00,000.00 X.10,000/- 0 -X< 4,00,000 /D

ii. Subscribed Capital 98Q/Y: 307562 ordinary shares of Rs.10,000/- each fully paid 307,56,20,000.00 302,69,80,000.00 X.10,000/ - -X< 307562 8!!C /D R7/N A_98Q/

iii. Amount Called up & Paid 7 !/ 98Q/9!

a) Co-operative Institutions (DCCB’s) - 287302 shares of Rs. 10,000/- each fully paid 287,30,20,000.00 282,43,80,000.00 $"&9J: ( ! -1 $"&9' 3X.10,000/- 0 -X< 287302 8!!C/D .A_ 98Q/ 3 b) State Government - 20260 ordinary shares of Rs.10,000/- each 20,26,00,000.00 20,26,00,000.00

!J=[X.10,000/- 0 -X< 20260 8!!C/D 307,56,20,000.00 302,69,80,000.00

iv. State Government share capital suspense 888,91,76,000.00 888,91,76,000.00 !J=[/DY:=:!

Total - 9 ! 1196,47,96,000.00 1191,61,56,000.00

162 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /*

SCHEDULE II - RESERVES & SURPLUS = C II - c<" U/N

i. Statutory Reserve (RF) 245,82,95,753.44 235,09,88,014.11 8Yc<" ii. Agricultural Credit Stabilisation Fund 177,79,12,733.19 165,58,08,076.19 P8!1 J JJ- iii. Building Fund 71,73,66,195.00 71,73,66,195.90 J- iv. Dividend Equalisation Fund 12,418.91 12,418.91 ]99! J9J- v. Reserve for Bad and Doubtful Debts (Non-Statutory 9,32,70,392.75 9,32,70,392.75 Reserve only) !! 87 k 981 /!98! c<" vi. Affiliates Development Fund 191,33,000.00 191,33,000.00 : CXJ: R<,J- vii. Provision for Depreciation on Investments 27,35,84,008.00 28,59,91,808.00 A/" D!:7 !:c<" viii. Provision for Bad and Doubtful Debts(NPA) 169,68,02,456.17 163,91,92,456.17 981 /!98! B !:c<"

OTHER FUNDS AND RESERVES :J- Bc<" B

i. Common Good Fund 57,51,411.33 57,51,411.33 9/! J- ii. Investment Fluctuation Reserve 43,62,86,900.00 38,52,81,900.00 A/"N&:& c<" iii. Furniture & Fittings Redemption Fund 19,86,225.23 19,86,225.83

163 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /*

v. Machinery, Electrical and Electronic Equipments Redemption fund 2,67,910.53 2,67,910.53 :1-+K8! K:Z 8!:A-9J- vi. Technology Modernisation Fund 1,44,00,000.00 1,44,00,000.00 9!Q d/ 0: 1 ! J- vii. ATM Hardware & Peripherals Redemption 46,000.00 46,000.00 !L1'9/!;,U/ C A-9J- viii. ACSTI Building Fund /M, bN J- (i) NCDC Subsidy (Building) 1,10,00,000.00 1,10,00,000.00 NCDC !L1. 3 (ii) Other Subsidy 17,16,508.35 17,16,508.35 : !L1

ix NDS - Subsidy - TNCU 94,41,899.85 94,41,899.85 NDS- !:K !"$"&9c*1- !L1 x. Computer Hardware and Peripherals Redemption Fund 9,94,300.00 9,94,300.00 IL9/!;+U/ C A-9J- Total - 9 ! 751,97,83,759.01 719,41,64,162.68

SCHEDULE III - DEFERRED INCOME - GRANTS = C III - 7S1; !: !L1 i. Grant from RBI 1,10,642.00 1,30,167.00 !L1:-1N8'MK;

ii. Grant from NABARD 54,80,709.00 4,32,002.00 !L17,1'MK;

Total - 9 ! 55,91,351.00 5,62,169.00

164 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /*

SCHEDULE IV - = C - IV DEPOSITS & OTHER ACCOUNTS X B: CD B I CURRENT DEPOSITS X CD X i. Individuals/Non-Cooperatives 9,39,37,356.00 43,25,21,609.24 L / k$"&9= !J: ii. Central Coop. Banks 228,38,90,896.00 128,58,40,993.75 -1$"&9' iii.Other Societies 59,23,61,292.03 84,77,40,913.28 :8 297,01,89,544.03 256,61,03,516.27 II SAVINGS DEPOSITS 78KX CD X i. Individuals/Non-Cooperatives 751,10,93,717.00 760,17,00,889.94 L / k$"&9= !J: ii. Central Coop. Banks 20,10,01,848.00 - -1$"&9' iii.Other Societies 58,13,49,934.60 17,17,63,545.84 :8 829,34,45,499.60 777,34,64,435.78 III TERM DEPOSITS ! X i. Individuals/Non-Cooperatives 1821,07,19,226.50 2523,99,55,556.09 L / k$"&9= !J: ii. Central Coop. Banks 3409,41,99,519.00 4045,32,18,378.67 -1$"&9' iii.Other Societies 1853,45,42,607.95 162,37,61,368.00 :8 7083,94,61,353.45 6731,69,35,302.76 IV MATURED DEPOSITS 2,06,15,078.00 2,13,62,428.84 A- X Total - 9 ! 8212,37,11,475.08 7767,78,65,683.65

165 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /* SCHEDULE V - = C - V BORROWINGS - 9/&/ I FROM RESERVE BANK OF INDIA/ NABARD/ OTHER BANKS :-1N8' / 7,1'/ : ' RK; i. Short Term Loans, Cash Credits and overdrafts, of which secured against 2296,50,00,000.00 2587,00,00,000.00 D'1 ! , K / 9/!;2" R < *7/N . C / a. Government and other approved securities -- =[ :=< N / . C1 b. Other Intangible Securities 2296,50,00,000.00 2587,00,00,000.00 :X/! . C1 ii. Medium Term Loans, of which secured against 671,03,43,050.00 451,24,85,350.00 -1 ! R < * 7/N . C / a. Government and other approved securities - - =[ :=< N / . C1 b. Other Intangible Securities 671,03,43,050.00 451,24,85,350.00 :X/! . C1 iii. Long Term Loans, of which secured against 9,93,92,633.00 10,90,63,150.00 C ! R < * 7/N . C / a. Government and other approved securities - - =[ :=< N / . C1 b. Other Intangible Securities 9,93,92,633.00 10,90,63,150.00 :X/! . C1 2977,47,35,683.00 3049,15,48,500.00

166 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /*

II FROM THE STATE GOVERNMENT !J=,K; i. Short Term Loans, Cash Credits and overdrafts, of which secured against D'1 ! , K / 9/!;2" R < * 7/N . C / a. Government and other approved securities =[ :=< N / -- . C1 b.Other Intangible Securities -- :X/! . C1

ii. Medium Term Loans, of which secured against - - -1 ! R < * 7/N . C / a.Government and other approved securities =[ :=< N / -- . C1 b.Other Intangible Securities -- :X/! . C1

iii.Long Term Loans, of which secured against C ! R < * 7/N . C / a.Government and other approved securities - - =[ :=< N / . C1 b.Other Intangible Securities 14,25,44,000.00 - :X/! . C1

14,25,44,000.00 0.00

167 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /*

III FROM OTHER SOURCES : R 9/&/

Loans from NHFDC 61,43,55,587.00 44,49,98,660.00 7,1n:A7&!J-<, 0 -K;

IV MONEY AT CALL & SHORT NOTICE 7 X D'1=*PX9!

Money at call borrowed from SCBs / DCCBs/ CUBs / Others 715,55,42,802.00 215,58,51,372.00 !*$**/ !* *$**/ *$** / N :1 M :;7 X

Total / (I +II+III+IV) - 9 ! 3768,71,78,072.00 3309,23,98,532.00

SCHEDULE VI - = C - VI OTHER LIABILITIES & PROVISIONS :9/!X c<"

i. Liabilities 9/!X

a. Primary Coop. Development Fund 20,89,46,739.92 24,99,61,982.46 9! $"&9<,J-

b. Others 148,73,88,994.98 112,31,06,215.54 N :1 ii. Provisions:c<" a. Amount due from other Banks under Clearing 5,272.55 5,272.55 House !78! > -<.& ' RK;7S19!

168 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /*

b. Unclaimed Deposits 3,842.06 3,842.06 UN 7 !/! ?" c. Guarantee Commission 2,52,40,108.00 2,52,40,108.00 U-!D d. Contingent Provision for Standard Assets 38,68,63,121.07 38,68,63,121.07 J 1!:98! <8!< c<" e. Taxation - N ! 2,75,67,488.00 5,53,59,000.00 Total - 9 ! 213,60,15,566.58 184,05,39,542.11 SCHEDULE VII - = C - VII CASH AND BALANCES WITH OTHER BANKS 9! : ' R :;X a. Cash in Hand and with Reserve Bank of India, 434,27,58,388.68 352,23,46,254.22 State Bank of India and other Banks M;X+:-1N8'+/! 7 ' : ' R :;X

b. Balance with Other Banks in Current Account 17,48,96,165.50 704,54,597.14 : ' R X CD M;X c. Balance with other Banks in Fixed Deposit 2000,00,00,000.00 1700,00,00,000.00 Account : ' R J X C' M;X Total - 9 ! 2451,76,54,554.18 2059,28,00,851.36 SCHEDULE VIII - = C - VIII MONEY AT CALL & SHORT NOTICE 7 X D'1=*PX9! ii. Money at call and Short Notice a. with banks / ' R 450,00,00,000.00 75,00,00,000.00 b. with other institutions 717,91,72,553.21 0.00 :J: R Total - 9 ! 1167,91,72,553.21 75,00,00,000.00

169 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /*

SCHEDULE IX - = C - IX INVESTMENTS - A/" Investments in India in :-1!P A/" i. Government Securities 2939,45,11,347.00 2720,68,67,738.00 =[. C1 R ii. Other Trustee Securities - - : / . C1 R iii. Shares / /D R 47,000.00 47,000.00 iv.Debentures and Bonds 215,00,99,000.00 110,35,00,000.00 E"/- . CA* R Total - 9 ! 3154,46,57,347.00 2831,04,14,738.00

SCHEDULE X - = C - X ADVANCES - 0'1

i. Term Loans C a. Short Term D'1 ! Secured by Tangible Security 4600,45,01,651,66 5620,03,55,019.39 /! !/!:U-. C1 Secured by Govt. Guarantees 12,57,53,000.00 1,96,27,000.00 /! !/!:=[9/!X- Unsecured/! !/& 13,21,10,804.39 58,78,17,847.14 Total - 9 ! 4626,23,65,456.05 5680,77,99,866.53 b. Medium Term -1 ! Secured by Tangible Security 1969,19,77,659.00 1220,14,19,906.00 /! !/!:U-. C1 Secured by Govt. Guarantees 58,68,49,390.00 678,39,32,235.00 /! !/!:=[9/!X- Unsecured/! !/& 626,14,87,286.95 443,73,39,308.00

Total - 9 ! 2654,03,14,335.95 2342,26,91,449.00

170 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /* c. Long Term C ! Secured by Tangible Security 15,76,13,057.00 18,09,50,357.00 /! !/!:U-. C1 Secured by Govt. Guarantees -- -- /! !/!:=[9/!X- Unsecured/! !/& 57,11,22,403.00 40,86,03,360.50 Total - 9 ! 72,87,35,460.00 58,95,83,717.50 Grand Total - 9 ! 7353,07,95,718.00 8082,00,45,033.03 SCHEDULE XI - = C - XI FIXED ASSETS - = 81!98! I. PREMISES - At cost as on 01.04.2014 01.4.2014-_ = P Bank’s Building ' 6,17,29,597.11 6,13,69,597.11 Cooperative Guest House 1,58,488.37 1,58,488.37 $"&9P;-:: ACSTI - Land & Buildings P8!1$"&9 3,53,41,972.81 3,53,41,972.81 /I1!</M,J 1 - J & 9,72,30,058.29 9,68,70,058.29 Additions / Deletions $" / Q -- 9,72,30,058.29 9,72,30,058.29 Depreciation till date : &17- 7 !: 6,08,68,609.81 5,97,94,461.81 Total - 9 ! 3,63,61,448.48 3,74,35,596.48 II. OTHER FIXED ASSETS := 81!98! At cost as on 01.04.2014 01.04.2014-= P M Furniture & fittings 8,29,22,351.02 8,12,07,526.43

171 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /* Machineries, Electrical & Electronic Equipments 2,61,18,630.52 2,53,12,006.11 :1-+K8! K:Z 8!: Computer Hardware Peripherals 24,95,10,824.85 25,81,82,102.85 IL9/!;U/ C Bank Vehicles 76,66,901.00 69,62,609.00 '! : Library Books 7,30,446.69 7,00,915.69 a X 9 ! TOTAL (A) 36,69,49,154.08 37,23,65,160.08 Additions during the year

Furniture & fittings 70,47,062.00 31,48,220.00

9 ! TOTAL (B) 2,06,04,715.00 1,81,60,820.00 Deductions during the year /!S C Furniture & fittings 33,400.00 12,51,424.00

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /*

Computer Hardware Peripherals 17,58,690.00 2,15,02,516.00 IL9/!;U/ C Bank Vehicles _ _ '! : Library Books _ _ a X

9 ! TOTAL (C) 25,72,747.00 2,35,76,826.00 Depreciation to date : ! 7 !: Furniture & fittings 5,57,70,519.50 5,21,60,801.50

9 ! TOTAL (D) 32,45,04,922.02 30,90,85,911.01

Net Book Value - J X -X Furniture & fittings 3,41,65,493.52 3,09,43,520.93

173 The Tamil Nadu State Apex Co-operative Bank Limited Chennai - 600 001 K !" !J $"&9'OK9+98 :

BALANCE SHEET AS AT 31st MARCH, 2016 :;XJ N" 31-03-2016: U

As at As at SCHEDULES 31.03.2016 31.03.2015 = C Rs. P. Rs. P. X* /* X* /*

Computer Hardware Peripherals 1,18,76,250.16 1,26,73,578.16 IL9/!;U/ C Bank Vehicles 23,61,718.63 27,78,492.63 '! : Library Books 2,40,979.23 2,67,754.23 a X

9 !TOTAL (A+B-C-D) 6,04,76,199.07 5,78,63,243.07

9 !9 ! TOTAL (I+II) 9,68,37,647.55 9,52,98,839.55

SCHEDULE XII - = C - XII OTHER ASSETS :U

i. Stationery and Stamps 22,12,029.69 17,90,551.71 ,_9/!; A- P ii Sundry Debtors 84,37,97,444.64 129,53,27,439.00 , & iii ACSTI 8,20,010.64 92,268.11 /M,J 1 iv. Others 10,07,17,810.07 10,20,63,787.15 N :1 Total - 9 ! 94,75,47,295.04 139,92,74,045.97

174 SCHEDULE XIV

SIGNIFICANT ACCOUNTING POLICIES

1) ACCOUNTING CONVENTION:

The financial statements are prepared and presented under the historical cost convention, on “going concern” basis following the accrual concept of accounting, unless otherwise stated. The financial statements comply with generally accepted accounting principles, statutory requirements, circulars and guidelines issued by the Reserve Bank of India/NABARD from time to time, Accounting Standards issued by the Institute of Chartered Accountants of India and current practices prevailing within the banking industry in India.

2) USE OF ESTIMATES :

The preparation of the financial statements is in conformity with generally accepted accounting principles, requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, revenues and expenses and disclosure of contingent liabilities at the date of the financial statements. Actual results could differ from those estimates. Management believes that the estimates used in the preparation of the financial statements are prudent and reasonable.

(3) RECOGNITION OF INCOME / EXPENDITURE:

Income and Expenditure are accounted on accrual basis except as stated below:

a) Interest on advances classified as Substandard, Doubtful or Loss Assets is recognized on realization.

b) Commission, Exchange and Locker Rent are recognized as income on receipt basis.

c) Dividend Income is accounted on receipt basis.

d) Subsidy/subvention from State/Central Government /NABARD/others is accounted on realization.

175 (4) ADVANCES:

a) Advances are classified into Standard, Substandard, Doubtful and Loss Assets in accordance with the guidelines issued by the Reserve Bank of India/NABARD from time to time.

b) Provision on Advances categorized under Sub-Standard, Doubtful and Loss Assets is made in accordance with the guidelines issued by the Reserve Bank of India/NABARD. In addition, a general provision has been made on all Standard Assets as per RBI directives.

c) Recovery in non-performing assets is first appropriated towards interest and balance, if any, towards principal

5) INVESTMENTS

a) The Bank has classified the investments in accordance with the RBI guidelines applicable to Co-operative Banks. Accordingly, classification of Investments for the purpose of valuation is done under the following categories:

i) Permanent and

ii) Current

b) Investments under ‘Permanent’ category have been valued at acquisition cost. Premium, if any, on such investments is amortized over the residual period of maturity of the particular Investment.

c) Investments under ‘Current’ category have been marked to market on the basis of guidelines issued by Reserve Bank of India. While net depreciation, if any, under each Category of investment has been provided for, net appreciation, if any, has been ignored.

d) Treasury Bills under all the classifications have been valued at carrying cost.

176 e) For the purpose of valuation, market value in the case of State Government and Other Securities for which quotes are not available is determined on the basis of the ‘yield to maturity’ indicated by Primary Dealers Association of India (PDAI) jointly with Fixed Income and Money Market Derivatives Association of India (FIMMDA).

6) FIXED ASSETS AND DEPRECIATION

a) Fixed Assets are stated at Cost less accumulated depreciation. Cost includes incidental expenses incurred on acquisition and installation of assets.

b) Depreciation on fixed assets purchased during the year is charged at the rates applicable to the respective Fixed asset for the full year, if the asset is purchased and retained for 180 days or more, otherwise it is charged at 50% of the normal rate. No depreciation is charged on fixed assets sold during the year.

c) Depreciation on Fixed Assets is provided on opening Written Down Value at the following rates:

Fixed Assets Rate Furniture & Fixtures 10% Plant & Machinery 15% Building 10% Library 10% Motor Cars & Vehicles 15% Computer Peripherals 60%

7) GRANTS AND SUBSIDIES:

Grants and Subsidies received for acquisition of fixed assets are treated as Deferred Income, and is recognized in the Profit and loss account over the useful life of the fixed asset, in proportion to the depreciation on the related fixed assets.

177 8) EMPLOYEE BENEFITS:

a) The Bank is making Regular contributions to the Provident Fund and these are charged to Revenue on accrual basis.

b) Liability towards Gratuity is provided based on the valuation received from Life Insurance Corporation of India. The Liability towards Gratuity is funded with Life Insurance Corporation of India

c) The Bank provides for liability towards leave encashment based on estimates and is not funded.

9) PROVISIONS, CONTINGENT LIABILITIES AND CONTINGENT ASSETS

A Provision is recognised when the Bank has a present obligation as a result of past event and it is probable that an outflow of resources embodying economic benefits will be required to settle the obligation and a reliable estimate can be made of the amount of the obligation.

Contingent liabilities are not provided for unless a reliable estimate of probable outflow to the Bank exists as at the Balance sheet date. Contingent Liabilities are disclosed in the Notes to the Financial statements. Contingent assets are neither recognised nor disclosed in the financial statements. Provisions, contingent Liabilities and Contingent Assets are reviewed at each Balance Sheet date and are adjusted to reflect current best estimate.

FOR THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LIMITED 6r Sr srrqhr # $%& $ ' () ( (*+' (, 8C6SU@S@9688PVIU6IUT Av SrtI# "&TT!#

R. Elangovan S. Aasaimani R. Karthikeyan T. Chitra R. Kumarasubramanian

PRESIDENT VICE PRESIDENT MANAGING DIRECTOR DY. GENERAL MANAGER PARTNER *:<7 ! , * 8 I :!* !-7 1 S* ,! M.No. 021888 C 7 ! :1D C9/!7 !<

PLACE : CHENNAI DATE : 01.09.2016 178 SCHEDULE XV

NOTES ON ACCOUNTS

NOTES FORMING PART OF ACCOUNTS FOR THE YEAR ENDED 31st MARCH 2016

1. Sundry Debtors include un-approved and contested expenses aggregating to Rs.851.94 Lakhs relating to earlier years pending final scrutiny and adjustment, without charging them off as expenditure in the profit and loss account. However provision towards these debtors have been made in the books of the bank and is reflected under provisions.

2. The compensation of Rs.88,891.76 lakhs received from State Government of Tamilnadu as share capital assistance towards amount of Waiver granted to farmers under loan waiver scheme and reimbursement of blocked loans aggregating to Rs.95,473.84 lakhs has been accounted under Share Capital Suspense Account. The Bank had requested the State Government to treat the above compensation as grant and to allow the bank to set off the waived loan against the above said grant. Pending approval from the Government of Tamil Nadu the bank has disclosed the above waived loans under Advances and Compensation received as above under Share capital. Further advances to the extent of Compensation received is treated as Standard Advances and the remaining amount is classified as Loss asset and is provided for in full. This has the effect of inflating the Capital, while at the same time overstating the Loans & Advances figure as the loans written off were not removed from Assets side.

3. Provision for Standard Assets:

The total provision required for standard assets as on 31.03.2016 works out to Rs.20.28 Crores, against which a sum of Rs.38.69 Crores is already held, and accordingly no provision has been made towards standard advances during the current year.

4. During the current year provision towards leave encashment of employees is made aggregating to Rs.5 crores (10 Crores) based on management estimate.

179 5. Pension:

Due to inadequacy of corpus with the Pension fund maintained with Life Insurance Corporation of India and in line with the order passed by High court of Madras dated 13/10/ 2008 the bank has during the year paid pension to retired employees aggregating to Rs 644.75. lakhs (Rs. 531.40 lakhs) and contribution to Pension fund amounting to Rs.296 Lakhs( Rs.296 lakhs) which are reflected under Salaries and allowances. As per the above said order the bank is required to pay contribution to the pension fund aggregating to 23.73 Crores over a period of eight years commencing from 2008-09. As at the Balance sheet date bank has paid sums aggregating to 20.72 Crores and the balance amount is yet to be paid. No provision has been made in the accounts towards the balance amount of Rs.3.01 crores, and further in the absence of actuarial valuation the incremental liability over and above the corpus available with the LIC based on actuarial valuation has not been provided for in the accounts.

6. Other SCBs (AIMAS) – Credit Rs.78,65,602/-(Net):

The balance represents account with 25 SCBs. The reconciliation of these accounts are under progress and necessary adjustments would be made upon completion of reconciliation

7. Contingent Liabilities

(a) Contingent Liabilities on account of Bank Guarantees, Letters of Credit and Forward Contracts are as follows : (Rs. in lakh)

Particulars 31.03.2016 31.03.2015

Bank Guarantees 76.30 74.30 Letters of Credit -- -- Forward Contracts -- -- Service Tax liability disputed 49.92 49.92

Total 126.22 124.22

180 (b) The details of disclosure relating to unclaimed deposits transferred to Depositors Education and Awareness fund (DEAF) is as follows:- (Rs. in crore)

Particulars Current Year Previous Year

Opening Balance of amounts transferred to DEAF 8.02 -- ADD: Amounts transferred to DEAF during the current year 0.91 8.02 LESS: Amounts reimbursed by DEAF towards claims -- -- Closing balance of amounts transferred to DEAF 8.93 8.02

8. Disclosure of Additional Information : a) Investments : (Rs. in lakh)

Investment Type Face Value Book Value Market Value

SLR - Permanent Category 2,73,367.80 2,73,480.31 2,78,859.39 SLR Investments earmarked for ACS Funds 17,541.90 17,453.51 17,804.17 SLR - Current Category 3,000.00 3,011.30 3,006.00 Non- SLR - Current Category 21,500.99 21,500.99 21,677.49 Share in Co-op. Societies/Companies 0.47 0.47 0.35 b) Advances to directors, their relatives, companies / firms in which they are interested:

Fund based : Nil

Non-fund based (Guarantees, L/C, etc.) : Nil

c) Cost of Deposits - Average cost of Deposits is 5.15%.

181 d) CRAR position of the bank as on 31st March 2016 is 14.48 %

Particulars Ratio %

Tier I Capital 13.23 Tier II Capital 1.25 Total Capital Ratio (CRAR) % 14.48 e) Position of NPA as on 31.03.2016:

Particulars Amount

Gross NPA Rs.22691.43 lakhs Net NPA Rs.5723.40 lakhs % of Gross NPA to total advances 3.09 % of Net NPA to net advances 0.79

f) Movement of NPAs:

Particulars 31.03.2015 31.03.2016

Percentage of Gross NPA 4.70% 3.09% Percentage of Net NPA 2.73% 0.79%

The above percentage is worked out reckoning the waived loans as part of total advances. If these waived loans are excluded from the total advances the GNPA and NNPA as on 31.03.2016 and 31.03.2015 are as follows:-

Particulars 31.03.2015 31.03.2016

Percentage of Gross NPA 5.33% 3.55% Percentage of Net NPA 3.10% 0.92%

182 g. Profitability :

Interest income as a percentage of average working funds 7.56% Non-interest income as a percentage of average working funds 0.11% Operating Profit as a percentage of average working funds 0.59% Return on Assets 0.33% Business (Deposits + Advances) per employee Rs.3867.88 lakhs Profit per employee Rs.10.91 lakhs

h. Provisions:

a. Minimum Provisions on NPAs required Rs.84,18,65,088 to be made

b. Provisions on NPAs actually available * Rs.169,68,02,456

c. Provisions required to be made in 1. Overdue Interest - Rs.7,84,58,138 respect of overdue interest taken into 2. Gratuity Fund - Rs.4,69,00,000 income account, gratuity fund, provident 3. Provident Fund - Nil fund, arrears in reconciliation of inter- 4. Inter-branch Reconciliation - Nil branch account etc.

d. Provisions actually made in respect of 1. Overdue interest - Rs.8,05,14,790 overdue interest taken into income 2. Gratuity Fund - Rs.4,69,00,000 account, Gratuity Fund, Provident Fund 3. Provident Fund - Nil and arrears in reconciliation of inter- 4. Inter-branch Reconciliation - Nil branch account.

e. Provisions made towards depreciation Rs.27,35,84,008 on investments and outstanding as on 31.03.2016

* Provision includes Rs.25,59,57,187/- towards Food Credit Consortium Account classified as Standard in line with instructions received from RBI.

183 i) Provisions outstanding as at the end of the year :

As on Particulars As on 31.03.2016 31.03.2015 Towards NPAs 169,68,02,456.17 163,91,92,456.00

Towards depreciation on investments 27,35,84,008.00 28,59,91,808.00 Towards standard assets 38,68,63,121.07 38,68,63,121.07

Towards all other items 12,74,14,790.03 8,05,14,790.03

j) Payment of insurance premium to the DICGC, including arrears, if any :

Premium of Rs. 3,57,78,803 remitted in full within the due date.

k) Penalty imposed by RBI for any violation : NIL

l) Bank has not provided for interest towards amount borrowed from Government of Tamilnadu towards conversion of short term loans into Medium term loans. Bank has sought reduction of rate of interest from the Govt of Tamil Nadu for the above loan. Pending approval from Government of Tamilnadu no provision is considered in the accounts towards interest on such loans aggregating to 217.31 lakhs.

9) Previous year’s figures have been regrouped / reclassified, wherever necessary to conform to the current year figures.

FOR THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LIMITED 6r Sr srrqhr # $%& $ ' () ( (*+' (, 8C6SU@S@9688PVIU6IUT Av SrtI# "&TT!#

R. Elangovan S. Aasaimani R. Karthikeyan T. Chitra R. Kumarasubramanian

PRESIDENT VICE PRESIDENT MANAGING DIRECTOR DY. GENERAL MANAGER PARTNER *:<7 ! , * 8 I :!* !-7 1 S* ,! M.No. 021888 C 7 ! :1D C9/!7 !<

PLACE : CHENNAI DATE : 01.09.2016

184 INDEPENDENT AUDITOR’s REPORT FOR THE YEAR ENDED 31.03.2016

TO THE MEMBERS OF THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LTD., CHENNAI - 600 001

REPORT ON THE FINANCIAL STATEMENTS

1. We have audited the accompanying financial statements of “THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LIMITED” which comprises the Balance sheet as at 31st March 2016, Profit and Loss account and the Cash flow statement for the year then ended and a summary of significant accounting policies and other explanatory information.

Management’s Responsibility for the Financial Statements

2. Management is responsible for the preparation of these financial statements in accordance with the provisions of the Banking regulation act 1949, The Tamil Nadu Co-operative Societies Act, 1983, Regulations of Reserve Bank of India, and recognized accounting policies and practices including the Accounting Standards issued by the Institute of Chartered Accountants of India (ICAI). This responsibility includes the design, implementation and maintenance of internal controls relevant to the preparation of the financial statements that are free from material misstatement whether due to fraud or error.

Auditor’s Responsibility

3. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.

185 4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Bank’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Bank’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

Basis for Qualified Opinion

6. We draw attention to the following:-

(a) As per the laid down policy of the Bank, liability towards leave encashment is accounted based on estimates made by the management but not based on actuarial valuation in deviation to the requirements of Accounting Standard-15 on employee benefits issued by the institute of chartered accountants of India. The impact of such policy on the profit for the year and also on the Reserves and Surplus of the Bank is unascertainable.

(b) As detailed in Note 1 of Schedule XV to the accounts, sundry debtors includes certain expenses aggregating to Rs.851.94 lakhs relating to earlier years which are contested but provision has been made in the books of the Bank, without charging off them as expenses in the earlier years. This has the impact of overstating the current assets and also the provisions for an amount of Rs.851.94 lakhs.

186 (c) As detailed in Note no 2 of Schedule XV to the accounts, compensation of Rs. 88891.76 lakhs received from the State Government of Tamil Nadu as share capital assistance towards farm loan waiver is reflected under Share Capital. In the absence of communication from the Government of Tamil Nadu as to the reflection of this share capital assistance in the books of the bank, we are unable to comment whether it would be in order to treat the waived loans of Rs.95473.84 lakhs as advances and to treat the advances to the extent of Rs.88891.76 lakhs as standard advances. This treatment has an impact of overstating the advances of the bank to the extent of Rs.95473.84 Lakhs and overstating the capital of the Bank to the extent of Rs.88891.76 Lakhs.

(d) As detailed in Note no 5 of Schedule XV to the accounts, due to inadequacy of corpus with the pension fund, pension to retired employees is accounted for as expenses in the books of the Bank. The Bank is yet to provide court ascertained liability of Rs. 301 lakhs out of the total ascertained liability of Rs.2373 lakhs. Further no actuarial valuation has been made relating to the pension liability after 2008. While the non provision of court ascertained liability has an impact of overstatement of profit for the year and also the Reserves and Surplus to the extent of Rs.301 lakhs, the impact of pension liability on account of actuarial valuation is unascertainable in the absence of requisite information.

(e) As detailed in Note no 6 of Schedule XV to the accounts, reconciliation of accounts with other state co-operative banks are under progress. The impact if any on the profit for the year and also on the reserves and surplus is unascertainable pending completion of reconciliation.

(f) As per the practice consistently followed by the Bank, provision towards nonperforming advances , provision towards depreciation on investments and provision towards disputed expenses by way of reserve for bad and doubtful debts are reflected under Reserves and Surplus. In our opinion these provisions need to be reflected under other liabilities and provisions and not under Reserves and surplus. This treatment of the bank has an impact of overstatement of Reserves and surplus to the extent of Rs.20636.56 lakhs and understatement of other liabilities and provisions for similar amount.

187 (g) The position of CRAR worked and reflected under note no 8(d) of Schedule XV is without taking into consideration the dividend and other items likely to be distributed out of the surplus for the year. The impact of such distribution on the CRAR reported is unascertainable in the absence of requisite information.

(h) Bank has not recognized deferred tax asset and deferred tax liability in deviation to the Accounting Standard-22 issued by the Institute of Chartered Accountants of India. The impact of such non recognition on the profit for the year and also on the Reserves and surplus of the bank is unascertainable.

(i) As detailed in Note no 9 of Schedule XV to the accounts, no provision is considered in accounts in respect of interest on loans availed from Government of Tamilnadu amounting to Rs.217.31 lakhs. We are unable to express any opinion relating to such non provision pending approval from Government of Tamil Nadu.

Qualified Opinion

7) In our opinion and to the best of our information and according to explanations given to us, except for the effects of the matter described in the basis for qualified opinion paragraph as set out above, the financial statements give the information required by the Act, in the manner so required and give a true and fair view in conformity with the accounting principles generally accepted in India.

a) in the case of the Balance Sheet, of the state of affairs of the Bank as at 31st March 2016

b) in the case of the Profit and Loss account , of the Profit for the year ended on that date; and

c) in the case of Cash Flow Statement, of the cash flows for the year ended on that date.

188 Report on other Legal and Regulatory Requirements

8) The Balance sheet and the Profit and loss account have been drawn up in Forms “A” and “B” respectively of the Third Schedule of the banking Regulation Act, 1949 (in accordance with section 29 read with section 56).

9) Subject to the limitations of the audit indicated in the Paragraph 1 to 5 above we report that:- a) We have obtained all the information and explanations, which to the best of our knowledge and belief were necessary for the purpose of our audit, and have found them to be satisfactory. b) The transactions of the Bank, which have come to our notice, have been made within the powers of the Bank. c) Proper Books of accounts as required by law have been kept by the Bank so far as appears from our examination of the said Books of accounts. d) The returns received from the branches of the Bank have been found adequate for the purpose of our audit. e) In our Opinion the Balance sheet Profit and loss account and Cash flow statement comply with the applicable accounting standards with the exception of Accounting Standard -15 on Employee Benefits, Accounting Standard – 17 on Segment reporting, Accounting Standard – 18 on Related Party Disclosures, Accounting Standard - 22 on Accounting for taxes on Income.

For R. SUBRAMANIAN AND COMPANY LLP Chartered Accountants Firm Reg. No. 004137S/S200041

Place : Chennai (R. KUMARASUBRAMANIAN) Date : 1st September 2016. Partner M.No.021888

189 AWARDS

From GOVT. OF INDIA

2006-07, National Award received from the Hon’ble President of 2008-09 & India in Public recognition of outstanding performance 2013-14 in the field of Empowerment of Persons with Disabilities.

From NABARD

1995-1996, Overall Best Performance Second Prize 1998-1999 & -do- Second Prize 2000-2001 -do- Second Prize

From NCUI / NCCT

2011-2012 National Award for “Best Performing Member Coop. Organisation” received from National Cooperative Union of India in recognition of the Contribution in Cooperative Agricultural Credit (ST & MT) Sector.

2012-2013 National Award received by ACSTI for the Second Best Performing Cooperative Training Institute during the first National Colloquium on Cooperative Training conducted by National Council for Cooperative Training.

From NHFDC

2005-2006 National Award received from National Handicapped Fi- nance and Development Corporation for the best performance in the field of Empowerment of Persons With Disabilities

190 From NAFSCOB to ACSTI

National Award received from NAFSCOB for the Third 2012-2013 best performing Coop. Training Institute among all the Agricultural Coop. Staff Training Institutes in India.

National Award received from NAFSCOB for the First 2013-2014 Best Performing Coop. Training Institute among all the Agricultural Coop. Staff Training Institutes in India.

National Award received from NAFSCOB for the Third 2014-2015 Best Performing Coop. Training Institute among all the Agricultural Coop. Staff Training Institutes in India.

From TN Corporation for Women Development

Best Performance Award received from Tamil Nadu 2012-2013 Women Development Corporation for providing financial assistance to Women Beneficiaries through Self Help Groups.

Best Performance Award received from Tamil Nadu 2013-2014 Women Development Corporation for providing financial assistance to Women Beneficiaries through Self Help Groups.

191 AWARDS

From NAFSCOB

1985-1986 Overall Best Performance Third Prize 1986-1987 -do- Second Prize 1987-1988 -do- Third Prize 1988-1989 -do- Second Prize 1989-1990 Social Goals Development Special Award 1990-1991 Overall Best Performance Second Prize 1991-1992 -do- First Prize 1992-1993 Social Goals Development Special Award 1993-1994 Operational Efficiency Special Award 1995-1996 Overall Best Performance First Prize 1996-1997 -do- First Prize 1996-1997 All India Mutual Arrangement Scheme Performance First Prize 1997-1998 -do- First Prize 1999-2000 -do- First Prize 2000-2001 Overall Best Performance First Prize 2001-2002 -do- Second Prize 2001-2002 All India Mutual Arrangement Scheme Performance Special Award 2003-2004 -do- Special Award 2004-2005 -do- Second Prize 2005-2006 -do- Second Prize 2006-2007 -do- First Prize 2008-2009 -do- First Prize 2008-2009 Overall Best Performance Second Prize 2009-2010 Overall Best Performance Third Prize 2010-2011 Overall Best Performance Third Prize 2009-2010 All India Mutual Arrangement Scheme Performance First Prize 2009-2010 Overall Best Performance Third Prize 2010-2011 Overall Best Performance Third Prize 2010-2011 All India Mutual Arrangement Scheme Performance First Prize 2011-2012 All India Mutual Arrangement Scheme Performance First Prize 2011-2012 Overall Best Performance Second Prize 2012-2013 Overall Best Performance First Prize

192 CHAIRMEN OF THE BANK

Sl. No. Name (Tvl.) Period

1. Dewan Bahadur Krishnasamy Row, C.I.E. 1905 - 1921 2. Dr. S. Swaminathan 1921 - 1926 3. V. Ramadas Pantulu 1926 - 1941 4. Rao Sahib K. Sitaramaiya 1941 5. Rao Bahadur T.A. Ramalinga Chettiar 1941 - 1952 6. Bikkani Venkataratnam 1952 - 1953 7. Medai Dalavoi Kumaraswamy Mudaliar 1954 - 1957 8. R. Kanakasabai 1958 - 1973 9. C. Krishnamurthy (Vice-Chairman - Officiated as Chairman) 1973 - 1974 10. R. Kanakasabai 1974 - 1976 11. C.T. Dhandapani, Ex-M.P., M.L.A., 1999 - 2001 12. Kavitha G . Rajendran Aug.-Sep. 2013 13. R. Elangovan (Vice President -Officiated as President.) Sep.2013-Mar.2014 14. R. Elangovan March 2014

SPECIAL OFFICERS OF THE BANK

Sl. No. Name (Tvl.) Period

1. M. Ahmed, I.A.S., 1976 - 1980 2. R. Arumugham, B.A. (Hons.), B.L., M.B.A., 1980 - 1983 3. T.R. Ramamurthy, B.Com., (Hons.), CAIIB 1983 - 1984 4. A. Shanmugam, B.A., H.D.C., 1984 - 1987 5. Shakti Kanta Das, I.A.S., 1987 - 1988 6. V. Lakshmi Ratan, I.A.S., 1988 7. Shakti Kanta Das, I.A.S., 1988 - 1989 8. V. Karuppan, I.A.S., 1989 - 1991 9. T.M. Arumugham, I.A.S., 1991 - 1993 10. D. Murugaraj, I.A.S., 1993 - 1996 11. R. Sriram, I.A.S., 1996 - 1999 12. R.S. Natarajan, M.A., M.B.A., HDC., 2001 13. P.S. Thirugnanam, M.A., M.B.A., HDC., 2001 - 2005 14. Ramesh Chand Meena, I.A.S., 2005 - 2006 15. A.S. Govindarajan, M.A., HDC., 2006 - 2008 16. K.M. Thamizharasan, M.A.,B.L.,HDC., 2008 - 2011 17. M.P. Sivan Arul, M.A., B.L., MBA, HDC, CAIIB, 2011 - 2013

193 ADMINISTRATORS OF THE BANK

Sl. No. Name (Tvl.) Period

1. M.P. Sivan Arul, M.A., B.L., MBA, HDC, CAIIB, 2013

MANAGING DIRECTORS OF THE BANK

Sl. No. Name (Tvl.) Period

1. N.L. Heblikar 1973 - 1975 2. T.S.K. Chari 1975 - 1977 3. M. Ahmed 1977 - 1980 4. J.N. Krishnan 1997 - 2000 5. R.S. Natarajan 2000 - 2001 6. M.P. Sivan Arul 2013 - 2015 7. Dr. M. Rajasekar 2015 - 2016 8. R. Karthikeyan 2016

SECRETARIES OF THE BANK

Sl. No. Name (Tvl.) Period

1. V.C. Desikachary, Knt. (Honorary Secretary) 1905 - 1911 2. V.C. Rangaswami 1911 - 1936 3. K. Sundar Rao 1936 4. T. Raghavendra Rao 1937 - 1944 5. S. Rajarathnam 1944 - 1950 6. M.G. Padmanabha Mudaliar 1949 - 1950 7. C. Radhakrishna Chetty 1950 - 1964 8. D. Varthamanan 1964 - 1970 & 1972 - 1973 9. P.N.T. Chary 1970 - 1972

194 VICE - CHAIRMEN OF THE BANK

Sl. No. Name (Tvl.) Period

1. Nawab Syed Mohamed Bahadur 1906 - 1918

2. Sri V.C. Desikachary, Kt 1918 - 1919

3. Thiru. P. Krishna Rao Pantulu Garu 1919 - 1920

4. Dr.S. Swaminathan 1920- 1921

5. Rao Bahadur T. Rangacharian 1921- 1923

6. Thiru. V. Ramados Pantulu 1923- 1926

7. Rao Sahib T. Srinivasa Rao 1926- 1932

8. Thiru. K. Bhashyam Iyengar 1932- 1938

9. Rao Sahib K.M. Singaravelu Mudaliar 1938- 1941

10. Rao Bahadur C. Gopal Menon May-Nov.1941

11. Thiru. K. Kalidas Pantulu 1941- 1943

12. Thiru. B. Venkata Ratnam 1943- 1945

13. Rao Sahib P. Kesava Rao 1945 - 1948

14. Thiru. R. Dasaratharama Reddi 1948- 1951

15. Thiru. Bikkini Venkatarathnam 1951- 1952

16. Thiru. Medai Dalavoi Kumaraswamy Mudaliar 1952- 1953

17. Dr. P. Natesan 1954- 1956

18. Thiru. R. Kanakasabai 1957- 1958

19. Dr. P. Natesan 1958- 1971

20. Thiru. C. Krishnamurthy 1971- 1976

21. Thiru. R. Avudaiyappan, M.L.A., 1999- 2001

22. Thiru. R. Elangovan 2013-2014

23. Thiru. S. Asaimani 2014

195 GENERAL MANAGERS OF THE BANK

Sl. No. Name (Tvl.) Period

1. C.N. Sivabushanam 1974 - 1977

2. S.A. James 1978 - 1981

3. T.R. Ramamurthy 1981 - 1988

4. V.R. Ganapathy 1988 - 1997

5. T. Venkatachalam 1988 - 1997

6. R. Kaliyamoorthy 1989 - 1997

7. A. Paul Pandu Rangan 1995 - 1998

8. B. Kanakasabai 1997 - 1999

9. K.S. Nagarajan 1997 - 2000

10. G. Srinivasalu 1998 - 1998

11. M.V. Vasu (G.M. Incharge) 2000 - 2003

12. C.R. Subramanian (G.M. Incharge) 2004 - 2005

13. V. Krishnamurthy (G.M. Incharge) 2005

14. K. Murali (G.M. Incharge) 2005

15. T.N. Rajagopal (G.M. Incharge) 2006

16. V.Sukumaran (G.M. Incharge) 2007

17. N. Parthasarathy (G.M. Incharge) 2007

18. J.Selvaganapathy (G.M. Incharge) 2007 - 2008

19. K.Gurunathan (G.M. Incharge) 2007

20. M.P. Sivan Arul 2007 - 2011

21. G. Ravikumar 2011 - 2015

22. G. Lakshminarayanan 2015

196 ,

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Tax Planning Tax

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GENERAL MANAGER

Asst.

(L.A.)

the Bank

of dues to

deficiency

Committee

Audit, Audit

suits in cases

ALCO, Filing

Recovery Cell

General Manager

Inspection, Internal

involving collections

(DAP)

DEPUTY

GENERAL MANAGER

ATM

(I.T.)

Asst.

General Manager

(Advances)

DEPUTY

(ADVANCES)

Reconciliation of Accounts Reconciliation of

CPPS, CBS & ATM-Debit CPPS, CBS &

with RBI, after DCCB

settlement and reconciliation of accounts as settlement Banker

Rupay card in PACCS, RTGS/ Rupay card in PACCS,

GENERAL MANAGER

activities, Funds & Investments,

etc. SMS Alerts, other IT related Alerts, other IT etc. SMS

Card in TNSC & DCCBs, KCC,

NEFT, payment Gateways, etc. IS NEFT,

Audit, IS Policy, Netbanking, DBT, Audit, IS Policy,

GENERAL MANAGER

MANAGING DIRECTOR

Asst.

(Non-Agri.)

Credit, Rural

& Dvelopment

General Manager

WDC, Planning

Project Finance,

Non-Agricultural

DEPUTY

(ESTATE)

GENERAL MANAGER

(Agri.)

& ACS

Manager

(Policy &

Handloom

(Statistics)

THE TAMIL NADU STATE APEX CO-OP. BANK LTD., CHENNAI - 1 BANK LTD., APEX CO-OP. NADU STATE TAMIL THE

Operation),

Agri. Credit

Asst. General

Finance, DAP

Estate,

Branch

(Estate)

Manager

Opening, Records.

Stationery,

Asst. General DEPUTY (ADMINISTRATION)

(Administration) GENERAL MANAGER

HRD,

Tapal,

Board,

(Admn.)

Manager

Vigilance

GENERAL MANAGER

Asst. General 197 THE TAMIL NADU STATE APEX CO-OPERATIVE BANK LTD. Offices of the Bank

Name of the Office Address Tel. No.

Head Office * No.4, (Old No.233), Netaji Subhash Chandra Bose Road, 2530 2300 Chennai - 600 001. 2530 2323 Fax:044-25340508, Email:[email protected] 2530 2313 Web: www.tnscbank.com Branches: Adambakkam West *# 12, New Colony Main Road, Chennai - 600 088. 2260 3793 Adyar * 32, First Main Road, Gandhi Nagar, Chennai - 600 020. 2441 0504 Alwarpet Main* 26, Sir C.V. Raman Road, Chennai - 600 018. 2499 4857 Alwarpet East 79, Luz Church Road, Chennai - 600 004. 2499 3462 Anna Nagar *# W/108, Anna Nagar, Chennai - 600 040. 2621 3104 Anna Nagar 388, School Road, Anna Nagar West, Chennai-600 101 2615 1159 Western Extension #$ Anna Silai 354, Triplicane High Road, Chennai - 600 005. 2854 5859 Ashok Nagar * 273-B, 10th Avenue, Chennai - 600 083. 2489 1645 Ayanavaram 366, Konnur High Road, Chennai - 600 023. 2674 3191 Besant Nagar $ 1, VI Cross Street, Chennai - 600 090. 2491 1137 Chetput 92, Harrington Road, Chennai - 600 031. 2836 2826 Chintadripet * 81, Swami Naicken Street, Chennai - 600 002. 2841 3525 Egmore* 73, Egmore High Road, Chennai - 600 008. 2819 4462 Jawahar Nagar 2, Ist Main Road, Chennai - 600 082. 2670 1314 K.K. Nagar 577, Alagirisamy Salai, Chennai - 600 078. 2366 2058 Kellys *# 90, Medavakkam Tank Road, Chennai - 600 010. 2642 4105 Kodambakkam 16, Duraisamy Road, Vadapalani, Chennai - 600 026. 2472 4115 Korattur *#$ Plot No. 8J-2, Main Road, Korattur, Chennai - 600 080. 2687 3011 Kottivakkam *# 8, AGS Colony, East Cost Road, Chennai 600 041. 2448 0376 Kotturpuram 12,Link St., IV Main Road, TNHB Colony, Chennai-600 085. 2447 0051 Mandaveli * 176, R.K.Mutt Road, Chennai - 600 028. 2493 8667 Mehta Nagar * 141, Nelson Manickam Road, Chennai - 600 029. 2374 2377 Mint 31, Mint Street, Chennai - 600 079. 2520 1085 Mogappair East $ Plot No. C-8, Block No. IV, Pari Salai, Chennai - 600 037. 2656 1678 Mogappair West $ PC14, Block - 3, Kambar Salai, Chennai - 600 037. 2625 6037 Mylapore-Tank 12, South Mada Street, Chennai - 600 004. 2464 3158

Contd... 198 Name of the Office Address Tel. No.

Nungambakkam 177/1, Valluvar Kottam High Road, Chennai - 600 034. 2827 1382 Perambur 2/14, Vajravelu Street, Chennai - 600 011. 2559 5031 Periamet 34, Vepery High Road, Chennai - 600 007. 2561 2788 Porur # 1, Kundrathur Road, BHEL Nagar, Chennai - 600 116. 2482 6868 Purasawalkam 50, Purasawalkam High Road, Chennai - 600 007. 2642 3123 Royapettah 10, Royapettah High Road, Chennai - 600 014. 2813 2815 Royapuram * 125, S.N. Chetty Street, Chennai - 600 013. 2595 1054 Saidapet 100, Bazaar Road, Chennai - 600 015. 2433 9521 Santhome 44, Santhome High Road, Chennai - 600 004. 2464 0300 Shastri Nagar *#$ 38, Mahatma Gandhi Road, Chennai - 600 041. 2452 4419 Shenoy Nagar 15/16, Ayyavoo Street, Shenoy Nagar, Chennai - 600 030. 2664 5834 Teynampet * 273, Anna Salai, Chennai - 600 018. 2432 1092 Theagaraya Nagar * 7, Coats Road, Chennai - 600 017. 2815 6852 Thiruvanmiyur *# 147, III Main Road, Kamaraj Nagar, Chennai - 600 041. 2441 0655 Triplicane 151/1, Big Street, Chennai - 600 005. 2854 4562 Valasaravakkam 184, Arcot Road, Chennai 600 087. 2476 7790 Velachery # No.51-A, Velacherry Main Road, Chennai - 600 042. 2244 0803 Villivakkam * 111, M.T.H. Road, TNHB Complex, Chennai - 600 049. 2617 4092 Washermanpet 1087, Thiruvottiyur High Road, Chennai - 600 021. 2596 1861 West Mambalam *# 168-169, Lake View Road, Chennai - 600 033. 2474 0730

* NRI A/c. Facility # Sunday Service Facility $ ATM Facility

Guest House: Udhagamandalam Co-operators’ Guest House, Charring Cross, Udhagamandalam 0423-2444046 Training Institute Agri. Coop. Staff Training Madhavaram Milk Colony, Chennai - 600 051. 044-2555 7737 Institute of TNSC Bank Email ID: [email protected] 044-2555 9106

199 LIST OF ABBREVIATIONS

AACS : As Applicable to Co-op. Societies AAIFR : Appellate Authority for Industrial and Financial Reconstruction AAVIN : Tamil Nadu Coop. Milk Producers’ Federation ABB : Any Branch Banking ACH : Automated Clearing House ACS Fund : Agricultural Credit (Stabilisation) Fund ACSTI : Agricultural Co-operative Staff Training Institute AIMAS : All India Mutual Arrangement Scheme AMC : Annual Maintenance Contract APBS : Aadhar Enabled Payment Bridge System ATM : Automated Teller Machine B.C. : Bills for Collection B.R. Act : Banking Regulation Act BIFR : Board for Industrial and Financial Reconstruction BIRD : Bankers’ Institute of Rural Development CBLO : Collaterised Borrowing and Lending Obligations CBS : Core Banking Solutions CC : Cash Credit CCIL : Clearing Corporation of India Ltd., CDC : Centralised Data Centre CEF : Co-operative Education Fund CIBIL : Credit Information Bureau of India Ltd. CIT : City Improvement Trust CMCHF : Chennai Metropolitan Co-op. Housing Federation Ltd. CRDF : Co-operative Research and Development Fund CRM : Customer Relationship Management CRAR : Capital to Risk Weighted Assets Ratio CRR : Cash Reserve Ratio CTB : Co-operative Town Bank CTS : Cheque Truncation System CUB : Co-operative Urban Bank D.D. : Demand Draft DAP : Development Action Plan DBT : Direct Benefit Transfer DCBR : Department of Coop. Banking Regulation DCCB : District Central Co-operative Bank DICGC : Deposit Insurance and Credit Guarantee Corporation DLMRC : District Level Monitoring and Review Committee DR : Disaster Recovery ECS : Electronic Clearing System EFT : Electronic Funds Transfer ELCOT : Electronics Corporation of Tamil Nadu FIMMDA : Fixed Income Money Market and Derivatives Association of India G.O.I. : Government of India

200 ICDP : Integrated Co-operative Development Project IDRBT : Institute for Development and Research in Banking Technology IFCI : Industrial Finance Corporation of India IFR : Investment Fluctuation Reserve ILR : Internal Lendable Resource IRDA : Insurance Regulatory and Development Authority INFINET : Indian Financial Network ISB : Industries Service Business KCC : Kisan Credit Card KVIC : Khadi and Village Industries Commission LAN : Local Area Network LIBOR : London Interbank Offered Rate LT : Long Term M.O.U. : Memorandum of Understanding MAP : Massive Assistance Programme MI : Minimum Involvement MICR : Magnetic Ink Character Recognition MT : Medium Term MTC : Medium Term Conversion MTCR : Medium Term Conversion Rephasement NABARD : National Bank for Agriculture and Rural Development NAFSCOB : National Federation of State Co-op. Banks Ltd. NAIS : National Agricultural Insurance Scheme NCC : National Clearing Cell NCDC : National Co-operative Development Corporation NEFT : National Electronic Funds Transfer NDR : Net Disposable Resources NDS : Negotiated Dealing System NFS : Non-farm Sector NHFDC : National Handicapped Finance Development Corporation NIC : National Informatics Centre NODC : Non-Overdue Cover NODP : National Oil Seeds Development Project NPA : Non-Performing Asset NPCI : National Payments Corporation of India NR (E) A/c. : Non-Resident (External) Account NR (O) A/c. : Non-Resident (Ordinary) Account NSP : National Sericulture Project OPP : Oilseeds Production Programme OM : Order Matching OPTP : Oil Seeds Production Thrust Programme P.L. : Powerloom PACCS : Primary Agricultural Co-operative Credit Society

201 PDAI : Primary Dealers Association of India PDS : Public Distribution System PFC : Power Finance Corporation PSU : Public Sector Undertakings PWCS : Primary Weavers’ Co-operative Society RBI : Reserve Bank of India RCS : Registrar of Co-operative Societies REC : Rural Electrification Corporation RRB : Regional Rural Bank RTGS : Real Time Gross Settlement SAO : Seasonal Agricultural Operations SCB : State Co-operative Bank SDS : State Drafts Scheme SGL : Subsidiary General Ledger SGSY : Swarna Jayanthi Gram Swarojgar Yojana SHG : Self-Help Group SIDBI : Small Industries Development Bank of India SLMRC : State Level Monitoring and Review Committee SLR : Statutory Liquidity Ratio SLRC : State Level Review Committee SRTO : Small Road Transport Operators SSI : Small Scale Industries ST : Short Term / Sales Tax / Service Tax SWG : Self-employed Weavers Group TAICO Bank : Tamil Nadu Industrial Co-operative Bank TANSI : Tamil Nadu Small Industries Corporation TAHDCO : Tamil Nadu Adi-Dravidar Housing and Development Corporation TASCO : Tamil Nadu Sugar Corporation Ltd. TCS : Tata Consultancy Services TIIC : Tamil Nadu Industrial Investment Corporation TNCCF : Tamil Nadu Co-operative Consumers Federation TNCHF : Tamil Nadu Co-operative Housing Federation TNCSARD Bank : Tamil Nadu Co-operative State Agriculture and Rural Development Bank TNEB : Tamil Nadu Electricity Board TIDCO : Tamil Nadu Industrial Development Corporation UPS : Uninterruptible Power Supply VAMNICOM : Vaikunth Mehta National Institute of Co-operative Management WAN : Wide Area Network WDRA : Warehouse Development and Regulatory Authority

202