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FINANCIAL STATEMENTS OF REGIONAL RURAL BANKS

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FOREWORD

Regional Rural Banks (RRBs) form an integral part of the banking system in our country in view of the important role played by them in financial inclusion and their contribution towards the development of agriculture and rural economy. With the process of amalgamation, the number of RRBs has come down to 45 with consequential increase in the area of operation and volume of business for each bank. Effectiveness of RRBs’ role depends, to a large extent, on its financi al health, which is reflected in the financial stateme nts viz. Balance Sheet & Profit & Loss Acco unt. Therefore, such information is required by the stakeholders for differ ent purposes. Keeping this aspect in vie w, NABARD has compiled inform ation on financial health of all RRBs in the country and presented in this book fo r the financial year ending 31 March 2020 along with position of previous year for each RRB . Besides this, some of the key indicators like p roductivity per branch and per e mployee, CD ratio, percentag e of gross NPA, Net NP A & other important financial ratios are also indicated bank-wise. We hope this publication wil l be useful to the stakeholders, researchers and academicians. Suggestions for improvement are welcome.

N. P. Mohapatra Chief General M anager Institutional Developme nt Department NABARD, Head Office, Mumbai March, 2021

CONTENTS

PARTICULARS PAGE NO.

Explanatory Notes .i

Regional Rural Banks During the Previous Decade (2010-11 to 2019-20) ii

List of RRBs as on 31 March 2020 ix

ALL INDIA SUMMAR Y 1

PART I - RRB-WISE STATEMENTS - STAND ALONE RRBs

1. Arunachal Pradesh Rural Bank 3

2. Ellaquai Dehati Bank 5 3. Manipur Rural Bank 6

4. Meghalaya Rural Bank 7

5. 8

6. Nagaland Rural Bank 9

7. Puduvai Bharathiyar Grama Bank 11

8. Gramin Bank 12

9. Uttar Banga Kshetri ya Gramin Bank 14

PART II - RRB-WI SE STATEMENTS - AMALGAMATED RRBs

10. Andhra Pragathi Grameena Bank 15 11. Chaitanya Godavari Grameena Bank 17

12. Saptagiri Grameena Bank 18

13. 20

14. Dakshin 21

15. 22

16. Chhattisgarh Rajya Gramin Bank 23

17. Baroda Gujarat Gramin Bank 25

18. Saurashtra Gramin Bank 27

19. Sarva Haryana Gramin Bank 28 20. Himachal Pradesh Gramin Bank 29

21. J & K Grameen Bank 30

PARTICULARS PAGE NO.

22. Jharkhand Rajya Gramin Bank 33

23. Gramin Bank 36

24. Karnataka Vikas Grameena Bank 37

25. 38

26. Madhya Pradesh Gramin Bank 41

27. 42

28. Maharashtra Gramin Bank 43 29. Vidharbha Konkan Gramin Bank 44

30. 45

31. Utkal Grameen Bank 46

32. Punjab Gramin Bank 47

33. Baroda Rajasthan Kshetriya Gramin Bank 48

34. Rajasthan Marudhara Gramin Bank 49

35. Tamil Nadu Grama Bank 51

36. Andhra Pradesh Grameena Vikas Bank 52 37. Telangana Grameena Bank 53

38. Aryavart Bank 56

39. Baroda Gramin Bank 57

40. Kashi Gomti Samyut Gramin Bank 58

41. Prathama U.P Gramin Bank 61

42. Purvanchal Bank 59

43. Gr amin Bank 62

44. Bangiya Gramin Vikash B ank 63 45. Paschim Banga Gramin Bank 64 PART III- STATE-WISE SUMMARY

1. Andhra Pradesh 66

2. Arunachal Pradesh 67

3. Assam 68

PARTICULARS PAGE NO.

4. Bihar 69

5. Chhattisgar h 70

6. Gujarat 71

7. Haryana 72

8. Himachal Pradesh 73

9. Jammu & Kashm ir 74

10. Jharkhand 75

11. Karnataka 76

12. Keral a 77

13. Madhya Pradesh 78

14. Maharasht ra 79

15. Manipur 80

16. Meghalaya 81

17. Mizoram 82

18. Nagaland 83

19. Odisha 84

20. Puducher ry 85

21. Punjab 86

22. Rajasthan 87

23. Tam il Nadu 88

24. Telangana 89

25. Tripur a 90

26. Uttar Pradesh 91

27. Uttarakhand 92

28. West Bengal 93 PARTICULARS PAGE NO.

PART IV – SPONSOR BANK-WISE SUMMARY

1. Andhr a Bank 96

2. 97

3. Bank Of Indi a 98

4. Bank Of Maharashtr a 99

5. Canar a Bank 100

6. O f Indi a 101

7. Indi an Bank 103

8. 104

9. J & K Bank 105

10. 106

11. State Bank Of Indi a 107

12. 108

13. United 109

14. Union Bank Of Indi a 110

15. UCO Bank 111

Appendix: Amalgamation of Regional Rural Banks from 196 RRBs to 43 RRBs 113

EXPLANATORY NOTES This publication “Financial Statements of Regional Rural Banks as on 31 March 2020” reports the financial performance of the RRBs as on 31 March 2020.

1. The data has been captured from the Balance Sheets and P & L accounts of RRBs uploaded by RRBs in “Ensure” platform and as reported in their Annual Reports. The Audited data published earlier in Key Statistics of Regional Rural Banks, 2020, based on audited data submitted through Off-site Surveillance (OSS) returns in Ensure Platform, has been updated wherever necessary, based on Data available in Annual reports of RRBs.

2. Recovery position is as per the data related to Demand, Collection and Balance received from the RRBs as on 30 June 2019.

3. Certain data relating to 201 8-19 though alrea dy published, has been updated based on the revisions/clarifications received from the RRBs. Tier II Bonds have been included as a part of Borrowing s.

4. All the statements (All-India, State and Sponsor Bank-wise and RRB-wise statements) indicate profit as ‘Income over Expenditure’ and loss as ‘Expenditure over Income’. The number of banks that earned profits/incurred losses is indicated in brackets. Gross Income over expenditure relates to Net Profit (after tax).

5. Provisions & Contingencies during the year include the Provision for Income Tax/Income Tax P aid

6. The Financial Ratios have been calculated as under: Financial Return = (Interest earned on advances + Interest earned on investments + Interest earned on others)/Average Working Fund (AWF) x100. Financial Cost= (Interest paid on deposits + Interest paid on borrowings +

Interest paid on others)/AWFx100.

Staff Cost= Wage Bill/AWFx100.

Other Operating Cost = Other Operating Expenses/AWFx100.

Miscellaneous Income = (Commission + Other Income)/AWFx100.

Gross Margin = (Financial Margin - Wage Bill - Other Operating Cost + Miscellaneous Income)/AWFx100 Risk Cost = (Provisions & Conting encies made during the year / AWF) x100. Net Margin (Return on Assets) = Gross Margin – Risk Cost.

7. Branch Productivity = (Total Deposits + Gross Advances) / No. of Branches

8. Employee Productivity = (Total Deposits + Gross Advances)/No. of employees.

i

Regional Rural Banks during Previous Decade FY 2010-11 to FY 2019-20

egional Rural Banks (RRBs) were conceptualised by the Narsimham Working Group in 1975 as a Rnew set of regionally oriented rural banks, which would combine the local feel and familiarity of rural problems c haracteristic of cooperatives w ith the professionalism and large resource base of commercial banks. The first 5 RRBs were set-up on 2 October 1975 after promulgation of an or dinanc e by Government of India, which was later replaced by the Regional Rural Banks Act, 1976. RRBs are jointly owned by Government of India, the concerned State Government and the sponsoring . The ownership pattern espouses the spirit of cooperative federalism towards achieving the goal of last mile financial inclusion.

As on 31 March 2020, there were 45 RRBs sponsored by 15 Scheduled Commercial Banks with 21,847 branches catering to 26.6 Crore depositors and 2.5 Crore borrowers in 26 States and 3 Union Territories. 92% of the RRB branches are located in rural/semi-urban areas. The performance and important developments in the context of Regional Rural Banks during the previous decade are summarised in the following paragraphs. Some of the important financial parameters of RRBs during the last 10 years are provided in Table 1. 1. Capital Adequacy & Recapitalisation of RRBs: The second decade of the 21s t century began with the implementation of recommendations of the “Committee on Recapitalisation of RRBs for Improving CRAR”, which was headed by Dr. K.C. Chakrabarty . Based on recommendations of the committee, a Scheme for Recapitalization of RRBs with a financial support of Rs. 2,900 crore {[Go I : Sponsor Bank : State Government]:: [50:35:15]} was approved by the Union Cabinet, in its meeting held on 10 February 2011, to enable RRBs achieve and maintain Capital to Risk Weighted Assets Ratio (CRAR) of over 9%. vide their notification dated 26 November 2013, prescribed a minimum CRAR of 9% for RRBs, on an ongoing basis with effect from March 31, 2014. The details on system-wide CRAR of RRBs and the number of RRBs with CRAR<9%, since 31 March 2014 are provided in Table 2 below.

Table 2: CRAR(%) of RRBs

CRAR(%)- No. of RRBs with As on 31 March Total No. of RRBs All India Average CRAR <9% 2014 13.3 57 5 2015 13.3 56 4 2016 12.8 56 4 2017 13.0 56 5 2018 12.4 56 10 2019 11.5 53 13 2020 10.3 45 17

ii Table 1F: inancial Performance of RRBs during the Previou-sFY D e2c0a10de-11 to FY 201-290 (Amount in Rs. Crore) Parameter 31 -Mar-11 31-M ar-12 31-Mar- 13 31-Mar-14 31-Mar-15 31-Mar-16 31 -Mar-17 31-M ar-18 31-Mar- 19 31-Mar-20 No. Of RRBs 82 82 64 57 56 56 56 56 53 45

Branches 16,001 16,909 17 ,861 19,082 20,024 20,920 21,422 21,747 21 ,871 21,847

Staff 70,153 74,291 76 ,246 80,028 85,549 88,193 86,549 89,806 92 ,443 91,616

Pa id Up Capital 4,273 5,199 6, 198 6,367 6,372 6,387 6,401 6,436 6,721 7,849

Reserves 9,566 11,263 13 ,247 15,805 18,712 20,665 23,080 25,083 25 ,398 26,814

Tota l Borrowings 26,491 30,289 38 ,073 50,230 59,422 47,888 51,588 57,647 53 ,548 54,393

iii Tota l Deposits 1,66,232 1,86, 336 2,11, 488 2,39,494 2,73,018 3,13,499 3,71,910 4,00, 459 4,34, 444 4,78,737

CASA(%) 60 58 57 55 52 53 49 53 54 53

Gross loans O/S 98,917 1,16, 385 1,37, 078 1,59,407 1,80,955 2,06,538 2,26,175 2,53, 978 2,80, 755 2,98,214

Tota lB usiness 2,65,150 3,02, 721 3,48, 566 3,98,901 4,53,973 5,20,037 5,98,085 6,54, 438 7,15, 199 7,76,952

CD Ratio (%) 60 62 65 67 66 66 61 63 65 62 Priority Sector Loans 82,642 95,542 1,11, 812 1,30,320 1,49,357 1,77,922 1,99,215 2,27, 941 2,55, 022 2,70,182 O/S Tota l Investments 99,360 1,08, 091 1,25, 903 1,39,632 1,62,781 1,69,592 2,10,984 2,22, 266 2,26, 172 2,50,859

Net Owned Funds 12,307 15,129 18 ,355 21,224 24,011 26,002 28,333 29,653 29 ,232 28,195

Accumul ated Losses 1,532 1,333 1, 091 94 8 1,072 1,050 1,147 1,866 2,887 6,467 Table 1F: inancial Performance of RRBs during the Previou-sFY D e2c0a10de-11 to FY 201-290 (Amount in Rs. Crore) Parameter 31 -Mar-11 31-M ar-12 31-Mar- 13 31-Mar-14 31-Mar-15 31-Mar-16 31 -Mar-17 31-M ar-18 31-Mar- 19 31-Mar-20 Total Asse ts/Liabilities 2,15,359 2,42, 534 2,79, 494 3,23,931 3,69,720 4,00,872 4,66,048 5,04, 864 5,37, 989 5,88,021

GNPA (%) 3.75 5.03 6. 08 6.09 6.15 6.80 8.07 9.47 10 .80 10.43

NNPA(%) 2.05 2.98 3. 78 3.52 3.64 4.23 5.06 5.90 6.81 5.8 3

Yield on Assets (%) 8.05 8.70 7. 99 8.69 9.09 8.76 8.27 8.04 7.51 7.8 6

Cost of Funds (%) 4.56 5.17 4. 82 5.32 5.70 5.70 5.39 5.01 4.58 4.6 8

Net Interest Margi(%n) 3.50 3.53 3. 17 3.46 3.39 3.05 2.87 3.03 2.94 3.1 9 Cost of Management 2.59 2.53 2. 21 2.35 2.72 2.54 2.39 2.29 2.66 3.6 2

iv (%) Risk Cost (%) 0.52 0.66 0. 59 0.70 0.40 0.54 0.73 1.14 1.18 1.0 1 Miscellaneous Income 0.52 0.51 0. 51 0.53 0.56 0.56 0.76 0.72 0.77 1.0 4 (%) RoA(%) 0.91 0.85 0. 88 0.94 0.83 0.53 0.51 0.32 - 0.13 -0.4 0

No. of RR Bs Pinrof it 75 79 63 57 51 50 49 45 39 26

Profit of RR Bs in Profi t 1,786 1,886 2, 275 2,694 2,921 2,206 2,604 2,530 1,759 2,203

No. of RR Bs in Los s 7 3 1 - 5 6 7 11 14 19

Loss of R RBs in Loss 71 29 2 - 176 188 387 1,005 2,411 4,411

N et Profit/Loss 1,715 1,857 2, 273 2,694 2,744 2,018 2,218 1,525 -65 2 -2,2 08 Source: Ensure Portal, NABARD & Annual Report s of RRBs There has been a steep decline in the Capital Adequacy position of RRBs from FY 2018-19 and a continuous increase in the number of RRBs with CRAR less than the regulatory minimum of 9%. This is mainly on account of implementation of the Pension Scheme for RRB employees. The pension scheme which brought about parity in pension for RRB employees in line with Nationalised Commercial Bank s, was implement ed co nsequent upon the judgement of the Hon’ble Supreme Court on 25th April, 2018. The total liability on the RRBs on account of implementation of revised pension scheme has been assessed to be around R s. 27, 500 Crore. Considering the huge liability, RBI has allowed RRBs to amortize pension liability over a period of five years from FY 2018-19 till FY 2022-23, subjec t to a minimum of 20 percent of the pension liability assessed as on March 31 of the year concerned. Post 2011, the scheme for recapitalization of RRBs was extended up to FY 2019-20 in a phased manner. During FY 2019-20, the Reserve Bank of India permitted RRBs to issue Perpetual Debt

Instruments (PDI) eligible for inclusion as Tier 1 capital so as to maintain prescribed CRAR.

Further, on 25 March 2020, the Cabinet Committee on Economic Affairs (CCEA) gave its approval for continuation of the proces s of recapitalization of RRBs for another year beyond 2019-20, that is, up to 2020-21 for those RRBs which are unable to maintain minimum CRAR of 9% and approved utilization of Rs.670 crores as Central Government’s share for the scheme of Recapitalization of RRBs (i.e. 50% of the total recapitalization support of Rs.1,340 crore). During the decade ended FY 2019-20, a total amount of Rs. 3,831.42 C rore ha s been sanctioned towards recapitalisation assistance of RRBs [GoI : Sponsor Bank : State Government]:: [50:35:15]. The RRB Act, 1976 was amended in 2015 vide which the authorised capital of each RRB was increased from from Rs 5 crore to Rs 2,000 crore. RRBs were also permitted to raise capital from sources other than the central/state government/sponsor bank, provided the combined shareholding of the Central Government and the Sponsor Bank shall not be less than fifty-one per cent. During FY 2020-21, Rs. 400 Crore [GoI : Sponsor Bank : State Government]:: [50:35:15]. was sanctioned as recapitalisation assistance towards 7 RRBs. GoI has allocated Rs. 1,200 Crore in the Budget Estimates of FY 2021-22 , towards its share (50%) of recapitalisation of RRBs. 2. Profitability The performance of RRBs in terms of profitabity has been mixed during the previous decade. During first half of the decade, catalysed by the recapitalisation assistance, RRBs as a whole were highly profitable with an Average Return on Assets (%) of over 0.8% during all the financial years between 2011 and 2015. During FY 2013-14 all the 57 RRBs in the country were profitable with an all India average RoA (%) of 0.94%.

However, the profitability of RRBs as a whole witnessed a decline during second half of the decade. RRBs as a whole reported a net loss in FY 2018 -19, for the first time since FY 1996-97. The decline in profitability can be attributed to 2 reasons. The primar y reason for RRBs as a wh ole to repo rt a net loss, for the first time in over 20 years, in FY 2018-19 was due to the implementation of revised pension scheme. The initial decline in pr ofitability observed during the second half of the decade was on account of RRBs transitioning into the tr ansparent regime of system –based recognition of NPAs , which resulted in a spurt in the NPAs. Though the net loss of RRBs as a whole increased to Rs. 2,208 crore during FY 2019-20 from a net loss of Rs. 652 Crore during FY 2018-19, the profit of profit making RRBs increased from Rs. 1,759 crore to Rs. 2,203 crore during the same period.

v RRBs in southern and western states viz. Andhra Pradesh, Telangana , Tamil Nadu, Gujarat, Rajasthan, Punjab, Haryana were profitable even in the face of pension liability (Andhra Pradesh Grameena Vikas Bank posted a net profit of Rs. 617.6 crore during FY 2019-20).

3. Amalgamation of RRBs RBI constituted a Committee under the Chairmanship of Professor V S Vyas on “Flow of Credit to Agriculture and Related Activities from the Banking System” which examined relevance of RRBs in the rural credit system and the alternatives for making it viable. RBI’s Report of the Internal Working Group on RRBs, headed by Shri A.V. Sardesai recommended amalgamation of RRBs to improve the operational viability of RRBs and tak e advantage of the eco nomies of scale. Based on the recommendations of these committees, the consolidation process of RRBs was initiated by GoI in the year FY 2005-06.

The first phase of amalgamation was initiated Sponsor Bank-wise within a State in 2005 and the second phase was across the Sponsor banks within a State during 2012-2015. As a result of two rounds of amalgamation, the number of RRBs reduced from 196 to 56 and succeeded in bringing better efficiency, higher productivity, robust financial health of RRBs, improved financial inclusion and greater credit flow to rural areas . Government of India initiated the process of third phase of amalgamation of RRBs in FY 2018-19 on the principle of ‘One state - One RRB’, in smaller States and reduction in number of RRBs in larger states aiming at reduction in total number of RRBs. The summary of amalgamation which resulted in reduction in number of RRBs from 196 in FY 2005-06 to 45 as at the end of FY 2019-20 is provided in table below. The bank-wise details of all amalgamations are provided in Appendix-1.

Table 3: Amalgamation of RRBs from 31 March 2005 (196 RRBs) to 31 March 2020 (45 RRBs) No. of No. of No. of Stand As on Sponsor No. of RRBs Amalgamated Alone RRBs Banks RRBs 31-Mar-05 28 196 196 - 31-Mar-06 28 133 107 26

31-Mar-07 28 96 51 45

31-Mar-08 28 91* 45 46

31-Mar-09 27 86 41 45

31-Mar-10 27 82 36 46

31-Mar-11 26 82 36 46

31-Mar-12 26 82 36 46

31-Mar-13 23 64 21 43

31-Mar-14 23 57 15 42 31-Mar-15 22 56 14 42 31-Mar-16 22 56 14 42

vi

Table 3: Amalgamation of RRBs from 31 March 2005 (196 RRBs) to 31 March 2020 (45 RRBs) No. of No. of No. of Stand As on Sponsor No. of RRBs Amalgamate d Alone RRBs Bank s RRBs 31-Mar-17 22 56 14 42

31-Mar-18 18 56 14 42

31-Mar-19 17 53 12 41

31-Mar-20 15 45 9 36

*Note: One New Stand Alone RRBs Viz. Puduvai Bharathiar Gr ama Bank,sponsored by , was established on 26.3.08 in the Union Territory of Puducherry 3 RRBs in the State of Uttar Pradesh viz. Baroda Uttar Pradesh Gramin Bank, Kashi Gomti Samyut Gramin Bank and Purvanchal Bank were amalgamated to form Baroda U.P. Bank under the sponsorship of Bank of Baroda with effect from 1 April 2020.

4. Balance Sheet & Business Parameters The total Business size of RRBs stood at Rs. 7.8 Lakh Crore as on 31 March 2020 and witnessed a CAGR of 12.7% during the previous decade. While the Gross Loans Outstanding grew by 13%, the total deposits grew by 12.5% during the decade. The balance sheet size of the RRBs stood at Rs. 5.88 Lakh crore as on 31 March 2020 and grew by 12.8% CAGR during the previous decade. The CD ratio remained in the range of 60-67%. The share of Deposits to total liabilities remained in the range of 73-81% and the share of CASA deposits to total deposits was in the range of 50-60%. The share of Priority Sector Loans O/S in Gross loans Outstanding was consistently over 80%, with the share increasing in later half of the decade to 90.6% as on 31 March 2020. As on 31 March 2020, Agri. loans Outstanding of the RRBs constituted 70% of the Gross loans Outstanding and loans outstanding to Small Farmers/Marginal Farmers and weaker sections constituted 48% and 60% respectively of the total loans outstanding of RRBs as on 31 March 2020. 5. Asset Quality:

Gross Non-Performing Assets as percentage of total loans outstanding witnessed a gradual increase from 3.75% as on 31 March 2011 to 10.43% as on 31 March 2020. The asset quality deterioration moderated as on 31 March 2020 mainly on account of moratorium granted by RBI under the COVID -19 Regulatory package resulting in asset classification stand still during the moratorium period. As on 31 March 2020, the GNPA (%) under priority sector portfolio stood at 10.8% and the GNPA unde r non- priority sector portfolio stood at 6.5%.

6. Costs & Margins

The Net Interest Margin (NIM(%) ) of the RRBs witnessed a slow but almost continuous decline from from 3.50 % during FY 2010-11 to 2.94% during FY 2018-19. Though it marginally improved to 3.19% during FY 2019-20, the Cost of Management (%), at 3.62%, of the RRBs exceeded the NIM for the first time in previous decade on account of implementation of pension scheme.

vii

The scheme of Priority Sector Lending Certificates (PSLCs) was introduced by RBI in FY 2016-17. PSLCs enable banks to achieve the priority sector lending target and sub-targets by purchase of these instruments in the event of shortfall and at the same time incentivize the surplus banks to utilise their excess PSL portfolio to generate fee income by issuance of PSLCs.

Cost of Managem ent > NIM (%) in FY 2019-20 Costs & Margins (%)

4. 0 3.62 3.50 3.53 3.46 3.39 3.5 3.17 3.05 3.03 2.87 2.94 3.0 3.19

2. 5 2.72 2.59 2.53 2.54 2.66 2.39 2.0 2.21 2.35 2.29 1.5

0.91 0.85 0.88 0.94 0.83 1.0 0.53 0.5 0 .32 0 .51 - -0.5 (0 .13) (0 .40) -1.0 1 7 5 3 2 4 6 9 8 0 1 1 1 1 1 1 1 1 1 2 ------r r r r r r r r r r a M -Ma - -Ma -Ma -Ma -Ma -Ma -Ma -Ma -Ma 1 1 1 1 1 1 1 1 1 1 3 3 3 3 3 3 3 3 3 3 Net Interest Margin (%) Cost of Management (%) Risk Cost (%) Miscellaneous Income (%) RoA(%)

RRBs have effectively utilised the PSLCs to augment their Miscellaneous Income and PSLCs have been one of the main reasons for improvement in Miscellaneous Income of RRBs towards the end of the decade. During FY 2019-20 RRBs issued PSLCs amounting to Rs. 98,412 Crore and earned a fee income of Rs. 1,366 Crore .

7. Highlights of Performance of RRBs in Financial Inclusion

RRBs have been playing a significant role in disbursement of timely credit to farmers through the flagship Kisan Scheme. Of the total 6.5 crore operative KCC accounts as on 31 March 2020, RRBs account for around 19% (1.22 crore accounts). The total amount outstanding under operative KCC accounts in RRBs was Rs. 1.37 Lakh Crore as on 31 March 2020.

RRBs have also been favourably influencing the economic development in rural areas by promoting other areas of Financial Inclusion such as Savings, Pension/Social Security, promotion of Self Help Groups etc.

viii

Savings: Of the total 41.6 Crore bank accounts opened under Pradhan Mantri Jan Dhan Yojana (PMJDY) as on 31 December 2020, RRBs accounted for 18% (7.4 crore bank accounts). This is in comparison to 79% share of all Public Sector Banks (PSB) and 3% share of all Private Se ctor Banks (PVB). The average balance under PMJDY accounts was the highest for RRBs (Rs. 3,515/ account) in comparison to PSBs (Rs. 3,270) and PVBs(Rs. 3,272) signifying the increased usage of PMJDY accounts in RRBs as a savings avenue.

Pension/ Social Security: Atal Pension Yojana was launched by GoI with the objective of creating a universal social security system for all Indians, especially the poor, the under-privileged and the workers in the unorganised sector. It provides a minimum guaranteed pension ranging from Rs 1000 to Rs 5000 on attaining 60 years of age. Of the total 2.23 crore enrolments under Atal Pension Yojana till

31 March 2020, RRBs account for 19.3 % (43 Lakh enrolments). This is in comparison to the share of 70% of Public Sector Banks, 10.7% share of all other banks like private sector Banks, Small Finance

Banks, Co-operative Banks put together. Self Help Groups (SHGs) : RRBs, with a branch network of just 14 % of all Scheduled Commercial Banks (SCBs), account for 32% of SHGs which have bank accounts as on 31 March 2020. In FY 2019- 20, RRBs accounted for 31 % of total loans disbursed to SHGs and accounted for 28% of total loans outstanding of SHGs as on 31 March 2020. The NPAs in SHG loans was also lesser in RRBs vis-à-vis SCBs . 8. Recent Developments 8.1. Revision in Priority Sector Lending Guidelines RBI vide its Master Directions dated 4 September 2020 have issued revised guidelines in respect of Priority Sector Lending for Commercial Banks, including RRBs. Among the many changes proposed, the targets prescribed for “small and marginal farmers” and “weaker sections” are being increased in a phased manner and RRBs incurring any shortfall in lending against their PSL target/sub-targets from FY 2020-21 onwards will be required to make contributions towards RIDF and other refinance funds, as directed by RBI. The increase in targets under SF/MF category are set to benefit the RRBs, for whom the lending towards SF/MF constitute almost 50% of their Gross Loans Outstanding. 8.2. Revision in IBPC guidelines for RRBs

RBI has removed the criteria which mandated RRBs to issue IBPCs only in excess of 75% of their outstanding advances.

8.3. Introduction of LAF and MSF for RRBs

In order to provide an additional avenue for liquidity management to RRBs, RBI has decided to extend Liquidity Adjustment Facility (LAF) and Marginal Standing Facility (MSF) to Scheduled RRBs meeting specific criteria.

9. Conclusion & Way Forward

The decade ended FY 2019-20 was a roller-coaster ride for RRBs. The decade began with the implementation of recommendations of the committee headed by Dr. K.C. Chakrabarty which resulted in improved viability of the RRBs and they reached a zenith during FY 2013-14, when all the RRBs in India reported profit and the accumulated losses of the RRBs were the least. However, towards the

ix end of the de cade, the financial position of RRBs has been impacted by the black swan event of implementation of revised pension scheme resulting in RRBs as a whole reporting a net loss for two consecutive years in FY 2018-19 and FY 2019-20. Even when RRBs as a whole have reported a net loss for two consecutive years, 26 RRBs have reported profit during the FY 2019-20 and the profit of profit making RRBs has increased. The third phase of amalgamation in progress is further expected to help RRBs reap the efficiencies of scale by cutting down overhead costs. Two recently amalgamated RRBs viz. Aryavart Bank and Prathama U.P. Gramin Bank have turned profitable in FY 2019-20, in comparison to the net loss posted by the pre-amalgamated entities during FY 2018-19. GoI and RBI have take n steps to diversify the capital sources of RRBs during the previous decade through amendments in the RRB Act and through regulatory permission f or accessing Perpetual Debt Instruments for inclusion as AT1 capital. These steps are expected to strengthen the capital base of the RRBs with lesser reliance on existing shareholders. The recent amendments to Priority Sector Lending guidelines and IBPC guidelines are expected to furthe r help RRBs effectively leverage their Priority Sector Lending portfolio to augment their Miscellaneous Income .. Credit growth has been muted during FY 2020-21 due to the impact of CoVID-19 and all sectors except agriculture have witnessed a negative growth. However, as per RBI’s recent bulletin, RRBs have registered a YoY growth of 12.4 % in credit in February 2021, which is the highest amongst all categories of banks (6% for PSBs and 8.4% for private sector banks). The impact of pension liability is expected to adversely affect the financials of RRBs till the end of amortisation period i.e. till FY 2022-23. The financially sound RRBs are expected to continue to remain sustainably viable during the period and the stakeholders such as GoI, State government, Sponsor Banks, RBI, NABARD and RRB management and employees are leaving no stone unturned to ensure that even the weak RRBs come out of the pension amortisation period in a financially sound manner, so as to further the cause of last mile financial inclusion in the country.

x List of RRBs in India as on 31 March 2020

Sr.No. State/UT Sponsor Bank Name of RRB 1 2 3 4 1 Andhra Pradesh Syndicate Bank ANDHRA PRAGATHI GRAMEENA BANK 2 Andhra Pradesh CHAITANYA GODAVARI GRAMEENA BANK 3 Andhra Pradesh Indian Bank SAPTAGIRI GRAMEENA BANK 4 Arunachal Pradesh ARUNACHAL PRADESH RURAL BANK 5 Assam ASSAM GRAMIN VIKASH BANK 6 Bihar Punjab National Bank DAKSHIN BIHAR GRAMIN BANK 7 Bihar UTTAR BIHAR GRAMIN BANK 8 Chhattisgarh State Bank of India CHHATTISGARH RAJYA GRAMIN BANK 9 Gujarat Bank of Baroda BARODA GUJARAT GRAMIN BANK 10 Gujarat State Bank of India SAURASHTRA GRAMIN BANK 11 Haryana Punjab National Bank SARVA HARYANA GRAMIN BANK 12 Himachal Pradesh Punjab National Bank HIMACHAL PRADESH GRAMIN BANK 13 Jammu and Kashmir State Bank of India ELLAQUAI DEHATI BANK 14 J & K, Ladakh J and K Bank J & K GRAMEEN BANK 15 Jharkhand State Bank of India JHARKHAND RAJYA GRAMIN BANK 16 Karnataka 17 Karnataka Syndicate Bank KARNATAKA VIKAS GRAMEENA BANK 18 Kerala Canara Bank KERALA GRAMIN BANK 19 Madhya Pradesh Bank of India MADHYA PRADESH GRAMIN BANK 20 Madhya Pradesh State Bank of India MADHYANCHAL GRAMIN BANK 21 Maharashtra MAHARASHTRA GRAMIN BANK 22 Maharashtra Bank of India VIDHARBHA KONKAN GRAMIN BANK 23 Manipur United Bank of India MANIPUR RURAL BANK 24 Meghalaya State Bank of India MEGHALAYA RURAL BANK 25 Mizoram State Bank of India MIZORAM RURAL BANK 26 Nagaland State Bank of India NAGALAND RURAL BANK 27 Odisha Indian Overseas Bank ODISHA GRAMYA BANK 28 Odisha State Bank of India UTKAL GRAMEEN BANK 29 Puducherry Indian Bank PUDUVAI BHARATHIYAR GRAMA BANK 30 Punjab Punjab National Bank PUNJAB GRAMIN BANK 31 Rajasthan Bank of Baroda BARODA RAJASTHAN KSHETRIYA GRAMIN BANK 32 Rajasthan State Bank of India RAJASTHAN MARUDHARA GRAMIN BANK 33 Tamil Nadu Indian bank TAMIL NADU GRAMA BANK 34 Telangana State Bank of India ANDHRA PRADESH GRAMEENA VIKAS BANK 35 Telangana State Bank of India TELANGANA GRAMEENA BANK 36 Tripura United Bank of India 37 Uttar Pradesh Bank of India ARYAVART BANK 38 Uttar Pradesh Bank of Baroda BARODA UTTAR PRADESH GRAMIN BANK 39 Uttar Pradesh KASHI GOMTI SAMYUT GRAMIN BANK 40 Uttar Pradesh Punjab National Bank PRATHAMA U.P GRAMIN BANK 41 Uttar Pradesh State Bank of India PURVANCHAL BANK 42 Uttarakhand State Bank of India 43 West Bengal United Bank of India BANGIYA GRAMIN VIKASH BANK 44 West Bengal UCO Bank PASCHIM BANGA GRAMIN BANK 45 West of India UTTAR BANGA KSHETRIYA GRAMIN BANK

xi State-Wise Summary/Sponsor Bank-Wise Summary, As on 31 March 2020 S.No Name of Sponsor Bank No. Of RRBs 1 Andhra Bank 1 2 Bank of Baroda 3 3 Bank of India 3 4 Bank of Maharashtra 1 5 Canara Bank 2 6 Central Bank of India 2 7 Indian Bank 3 8 Indian Overseas Bank 1 9 J and K Bank 1 10 Punjab National Bank 5 11 State Bank of India 15 12 Syndicate Bank 2 13 UCO Bank 1 14 Union Bank of India 1 15 United Bank of India 4 Total 45 S.No Name of State/UT No. Of RRBs 1 Andhra Pradesh # 3 2 Arunachal Pradesh 1 3 Assam 1 4 Bihar 2 5 Chhattisgarh 1 6 Gujarat 2 7 Haryana 1 8 Himachal Pradesh 1 9 Jammu & Kashmir * 2 10 Jharkhand 1 11 Karnataka 2 12 Kerala 1 13 Madhya Pradesh 2 14 Maharashtra 2 15 Manipur 1 16 Meghalaya 1 17 Mizoram 1 18 Nagaland 1 19 Odisha 2 20 Puducherry 1 21 Punjab 1 22 Rajasthan 2 23 Tamil Nadu 1 24 Telangana 2 25 Tripura 1 26 Uttar Pradesh 5 27 Uttarakhand 1 28 West Bengal 3 Note: 1) 3 RRBs in the State of Uttar Pradesh viz. Baroda Uttar Pradesh Gramin Bank, Kashi Gomti Samyut Gramin Bank and Purvanchal Bank were amalgamated to form Baroda U.P. Bank under the sponsorship of Bank of Baroda with effect from 1 April 2020.

2) With amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank, Syndicate Bank into Canara Bank, Andhra Bank and into Union Bank of India and into Indian Bank, there are 43 RRBs in India with effect from 1 April 2020, which are sponsored by 12 Sponsor Banks.

3) *J & K Grameen Bankwith, Head Office at Jammu, has 2 branches in Union Territory of Ladakh

4) # *Andhra Pradesh GVB, with HO at Warangal, Telangana, operates in 21 Districts of Telangana and 3 Districts of Andhra pradesh

xii Financial Statements of RRBs as on 31 March 2020 (ALL INDIA) 2019-20 Amt. in `lakh Total Number of RRBs: 45 No. of Districts: 696 No of Branches : 21 ,847 No. of Staff : 91 ,616 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 6,7 2,096.49 7,8 4,907.58 Cash in Hand 2,9 1,281.41 2,8 6,006.75 Reserves 25 ,39,806.21 26 ,81,372.41 Balances with RBI 17 ,89,710.20 16 ,74,357.60 Balances in Current A/c 5,4 6,857.76 7,6 1,293.87 Deposits 4,3 4,44,442.88 4,7 8,73,721.43 Balances in Deposit A/c 72 ,92,803.42 92 ,96,229.93 Current 11 ,12,373.01 10 ,75,009.58 Other Investments 1,5 3,24,427.75 1,5 7,89,705.32 Savings 2,2 4,09,512.38 2,4 4,41,396.47 Loans & Advances (Net) 2,6 1,95,328.72 2,8 0,21,959.78 Term 1,9 9,22,557.49 2,2 3,57,315.38 Fixed Assets 1,2 7,365.84 1,2 3,513.84 Borrowings 53 ,55,604.17 54 ,39,332.00 Other Assets 19 ,42,487.64 22 ,02,350.84 NABARD 46 ,89,351.64 46 ,12,032.75 Accumulated Losses 2,8 8,658.49 6,4 6,661.38 Sponsor Banks 3,7 4,650.83 4,5 1,896.51 Others 2,9 1,601.70 3,7 5,402.74 Other Liabilities 17 ,86,971.48 20 ,22,745.89 TOTAL 5,3 7,98,921.23 5,8 8,02,079.31 TOTAL 5,3 7,98,921.23 5,8 8,02,079.31 EXPENDITURE INCOME Interest on Deposits 20 ,23,959.43 22 ,98,473.40 Interest on Advances 23 ,65,128.00 26 ,58,134.46 Interest on RBI/Inter Bk. Funds 3,2 7,036.89 2,7 4,064.38 Interest on Investments & Bank Balances 15 ,28,000.01 17 ,11,680.06 Interest on Others 20 ,631.25 25 ,993.17 Commission 1,2 7,500.61 1,4 5,450.72 Wage Bill 9,3 7,908.76 14 ,65,408.66 Other Income 2,7 8,160.77 4,2 9,917.80 Other Operating Expenses 4,4 2,415.39 5,4 2,179.22 Provisions and Contingencies 6,1 2,011.00 5,5 9,904.05 Income over Expenditure 1,7 5,927.57 2,2 0,296.47 Exp. Over Income 2,4 1,100.90 4,4 1,136.31 No. of RRBs in Profit 39 26 No. of RRBs in Loss 14 19 TOTAL 45 ,39,890.29 53 ,86,319.35 TOTAL 45 ,39,890.29 53 ,86,319.35 KEY INDICATORS Per Branch Productivity 3,270.08 3,556.33 CD Ratio 64.62 62.29 Per Employee Productivity 773.67 848.05 Recovery (%) 76.88 76.95 CRAR(%) 11.50 10.28 Gross NPA (%) 10.80 10.43 Net NPA (%) 6.81 5.83 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2,8 0,75,503.15 2,9 8,21,438.62 Loan O/s 6.22 Fin. Return 7.51 7.86 Loans Disbursed 1,9 4,47,001.73 2,2 1,25,179.26 Deposits 10.20 Fin. Cost 4.58 4.68 Gross NPAs 30 ,31,741.56 31 ,10,643.57 Net Profit/Loss(-) 238.85 Fin. Margin 2.94 3.19 Net NPA 17 ,84,278.36 16,33,113.61 Salary 1.81 2.64 Average Working Fund 5,18,34,899.26 5,55,66,011.46 Other Opt. Exp. 0.85 0.98 Net Profit/Loss (-) -65,173.33 -2,20,839.84 Misc. Income 0.78 1.04 Gross Margin 1.05 0.61 Risk Cost 1.18 1.01 Net Margin -0.13 -0.40

1 PART I RRB-WISE STATEMENTS STAND ALONE RRBs

2 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Arunachal Pradesh RB State: Arunachal Pradesh No. of Districts: 13 No of Branches : 30 No. of Staff : 104 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 5, 878.04 5, 878.04 Cash in Hand 59 1.59 57 9.83 Reserves - 15 5.00 Balances with RBI 3, 040.50 2, 960.50 Balances in Current A/c 81 3.21 4, 892.21 Deposits 70 ,969.12 73 ,370.89 Balances in Deposit A/c 29 ,293.69 28,315.00 Current 13 ,433.52 14 ,259.89 Other Investments 23 ,172.66 24,100.75 Savings 35 ,493.45 36 ,829.83 Loans & Advances (Net) 19 ,138.40 15,422.91 Term 22 ,042.15 22 ,281.17 Fixed Assets 18 5.75 27 5.85 Borrowings 10 5.93 99 .27 Other Assets 2, 329.82 1, 984.87 NABARD - - Accumulated Losses 3, 782.69 3, 608.98 Sponsor Banks 86 .07 - Others 19 .86 99 .27 Other Liabilities 5, 395.22 2, 637.70 TOTAL 82 ,348.31 82 ,140.90 TOTAL 82 ,348.31 82,140.90 EXPENDITURE INCOME Interest on Deposits 3, 204.12 3, 176.87 Interest on Advances 2, 260.41 2, 103.83 Interest on RBI/Inter Bk. Funds 6. 64 - Interest on Investments & Bank Balances 2, 623.68 3, 004.33 Interest on Others - - Commission 17 1.39 13 5.73 Wage Bill 1, 741.53 1, 512.07 Other Income 94 9.56 96 1.05 Other Operating Expenses 55 0.08 57 5.40 Provisions and Contingencies 49 6.60 61 1.89 Income over Expenditure 6. 07 32 8.71 Exp. Over Income - - TOTAL 6, 005.04 6, 204.94 TOTAL 6, 005.04 6, 204.94 KEY INDICATORS Per Branch Productivity 3,022.06 2,982.52 CD Ratio 27.75 21.95 Per Employee Productivity 855.30 860.34 Recovery (%) 61.28 61.28 CRAR (%) 10.01 10.25 Gross NPA (%) 5.01 5.59 Net NPA (%) 2.26 1.04 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 19 ,692.63 16 ,104.79 Loan O/s -18.22 Fin. Return 7.00 7.08 Loans Disbursed 12 ,725.92 6, 811.82 Deposits 3.38 Fin. Cost 4.60 4.40 Gross NPAs 98 7.58 89 9.80 Net Profit/Loss(-) 5315.32 Fin. Margin 2.40 2.68 Net NPA 43 3.37 160.47 Salary 2.50 2.09 Average Working Fund 69,751.51 72,186.49 Other Opt. Exp. 0.79 0.80 Net Profit/Loss (-) 6.07 328.71 Misc. Income 1.61 1.52 Gross Margin 0.72 1.30 Risk Cost 0.71 0.85 Net Margin 0.01 0.46

3 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Langpi Dehangi RB* State: Assam No. of Districts: No of Branches : No. of Staff : Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 3,0 94.12 Cash in Hand 38 1.58 Reserves 4,3 20.48 Balances with RBI 3,2 49.10 Balances in Current A/c 1,4 13.44 Deposits 89 ,100.49 Balances in Deposit A/c - Current 15,357.67 Other Investments 50,449.83 Savings 47 ,158.93 Loans & Advances (Net) 48 ,213.80 Term 26 ,583.89 Fixed Assets 52 4.85 Borrowings 4,5 66.16 Other Assets 1,8 89.34 NABARD 4,3 33.02 Accumulated Losses - Sponsor Banks 10 6.25 Others 12 6.89 Other Liabilities 5,0 40.69 TOTAL 1,0 6,121.94 TOTAL 1,0 6,121.94 EXPENDITURE INCOME Interest on Deposits 3,2 78.19 Interest on Advances 5,2 02.34 Interest on RBI/Inter Bk. Funds 21 4.18 Interest on Investments & Bank Balances 2,5 34.35 Interest on Others 10 .74 Commission 66 1.15 Wage Bill 3,6 06.87 Other Income 14 6.89 Other Operating Expenses 92 3.29 Provisions and Contingencies 34 4.15 Income over Expenditure 16 7.31 Exp. Over Income - TOTAL 8,5 44.73 TOTAL 8,5 44.73 KEY INDICATORS Per Branch Productivity 2,339.20 CD Ratio 54.90 Per Employee Productivity 766.74 Recovery (%) 80.19 CRAR (%) 12.77 Gross NPA (%) 2.28 Net NPA (%) 0.90 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 48 ,912.11 Loan O/s Fin. Return 8.66 Loans Disbursed 27 ,239.73 Deposits Fin. Cost 3.92 Gross NPAs 1,1 16.37 Net Profit/Loss(-) Fin. Margin 4.74 Net NPA 43 5.00 Salary 4.04 Average Working Fund 89 ,299.70 Other Opt. Exp. 1.03 Net Profit/Loss (-) 16 7.31 Misc. Income 0.90 Gross Margin 0.57 Risk Cost 0.39 Net Margin 0.19 *Langpi Dehangi RB (SBI) and Assam GVB (United BoI) amalgamated to form Assam Gramin Vikash Bank (United BoI) from 1 Apr 2019

4 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Ellaquai Dehati Bank State: Jammu & Kashmir No. of Districts: 13 No of Branches : 116 No. of Staff : 329 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 20 ,831.98 21 ,615.43 Cash in Hand 22 9.11 25 1.49 Reserves - - Balances with RBI 4, 372.56 4, 645.02 Balances in Current A/c 1, 243.51 3, 588.61 Deposits 1, 03,758.80 1, 09,999.16 Balances in Deposit A/c 15 ,589.71 17 ,474.75 Current 2, 021.59 2, 376.03 Other Investments 51 ,696.54 50 ,047.47 Savings 46 ,709.16 48 ,217.62 Loans & Advances (Net) 38 ,140.07 40 ,272.09 Term 55 ,028.05 59 ,405.51 Fixed Assets 27 1.38 37 9.87 Borrowings 1, 049.76 70 3.41 Other Assets 5, 170.69 4, 303.93 NABARD 1, 049.76 29 2.48 Accumulated Losses 18 ,868.02 23 ,574.59 Sponsor Banks - - Others - 41 0.93 Other Liabilities 9, 941.05 12 ,219.82 TOTAL 1, 35,581.59 1, 44,537.82 TOTAL 1, 35,581.59 1, 44,537.82 EXPENDITURE INCOME Interest on Deposits 5, 410.67 5, 817.31 Interest on Advances 3, 863.16 3, 193.59 Interest on RBI/Inter Bk. Funds 13 2.30 55 .08 Interest on Investments & Bank Balances 5, 175.41 5, 526.33 Interest on Others - - Commission 40 1.23 29 5.55 Wage Bill 3, 605.00 3, 592.47 Other Income 34 .37 76 .61 Other Operating Expenses 1, 152.37 1, 035.33 Provisions and Contingencies 91 1.76 3, 298.46 Income over Expenditure - - Exp. Over Income 1, 737.93 4, 706.57 TOTAL 11, 212.10 13 ,798.65 TOTAL 11, 212.10 13 ,798.65 KEY INDICATORS Per Branch Productivity 1,237.58 1,325.73 CD Ratio 39.55 39.81 Per Employee Productivity 409.03 467.43 Recovery (%) 74.14 72.55 CRAR (%) 5.50 -4.02 Gross NPA (%) 17.27 22.15 Net NPA (%) 10.98 15.36 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 41 ,038.11 43 ,785.22 Loan O/s 6.69 Fin. Return 8.01 6.05 Loans Disbursed 32 ,607.72 36 ,014.90 Deposits 6.01 Fin. Cost 4.91 4.07 Gross NPAs 7, 086.44 9, 697.35 Net Profit/Loss(-) -170.81 Fin. Margin 3.10 1.97 Net NPA 4, 188.40 6, 184.22 Salary 3.20 2.49 Average Working Fund 1, 12,777.00 1, 44,234.00 Other Opt. Exp. 1.02 0.72 Net Profit/Loss (-) -1,7 37.93 -4,7 06.57 Misc. Income 0.39 0.26 Gross Margin -0.73 -0.98 Risk Cost 0.81 2.29 Net Margin -1.54 -3.26

5 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Manipur Rural Bank State: Manipur No. of Districts: 10 No of Branches : 27 No. of Staff : 97 Sponsor Bank: United BoI LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 5,3 88.03 5,8 56.03 Cash in Hand 67 .25 90 .02 Reserves 1.2 2 1.2 2 Balances with RBI 1,1 86.84 1,1 91.84 Balances in Current A/c 3,5 99.62 2,5 61.36 Deposits 29 ,542.71 31 ,380.30 Balances in Deposit A/c 3,3 31.64 4,6 46.18 Current 4,4 61.47 4,2 08.54 Other Investments 12 ,389.57 10 ,198.07 Savings 17 ,858.71 19 ,351.68 Loans & Advances (Net) 13 ,625.93 15 ,306.32 Term 7,2 22.53 7,8 20.08 Fixed Assets 10 0.05 17 3.71 Borrowings 3,6 35.79 2,9 17.95 Other Assets 39 3.17 3,4 41.14 NABARD 1,4 31.74 64 3.95 Accumulated Losses 4,8 67.49 5,1 43.39 Sponsor Banks 2,0 30.05 2,1 00.00 Others 17 4.00 17 4.00 Other Liabilities 99 3.81 2,5 96.53 TOTAL 39 ,561.56 42 ,752.03 TOTAL 39 ,561.56 42 ,752.03 EXPENDITURE INCOME Interest on Deposits 1,0 48.09 1,0 95.05 Interest on Advances 1,3 00.86 1,3 81.59 Interest on RBI/Inter Bk. Funds 12 6.16 87 .49 Interest on Investments & Bank Balances 1,1 60.34 1,0 55.71 Interest on Others - - Commission 22 .28 37 .26 Wage Bill 86 1.72 1,6 22.89 Other Income 41 4.69 74 7.69 Other Operating Expenses 37 3.40 48 8.09 Provisions and Contingencies 67 5.07 20 4.63 Income over Expenditure - - Exp. Over Income 18 6.27 27 5.90 TOTAL 3,0 84.44 3,4 98.15 TOTAL 3,0 84.44 3,4 98.15 KEY INDICATORS Per Branch Productivity 1,691.86 1,766.90 CD Ratio 48.90 52.03 Per Employee Productivity 407.30 491.82 Recovery (%) 71.66 70.12 CRAR (%) 5.47 6.12 Gross NPA (%) 20.68 19.76 Net NPA (%) 15.91 14.41 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 14 ,445.55 16 ,325.95 Loan O/s 13.02 Fin. Return 7.67 7.28 Loans Disbursed 5,6 28.87 5,7 28.94 Deposits 6.22 Fin. Cost 3.66 3.53 Gross NPAs 2,9 88.01 3,2 25.67 Net Profit/Loss(-) 48.12 Fin. Margin 4.01 3.75 Net NPA 2,1 68.38 2,2 06.04 Salary 2.68 4.85 Average Working Fund 32 ,104.83 33 ,490.37 Other Opt. Exp. 1.16 1.46 Net Profit/Loss (-) -186 .27 -275 .90 Misc. Income 1.36 2.34 Gross Margin 1.52 -0.21 Risk Cost 2.10 0.61 Net Margin -0.58 -0.82

6 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Meghalaya Rural Bank State: Meghalaya No. of Districts: 11 No of Branches : 90 No. of Staff : 399 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 25 9.76 2 59.76 Cash in Hand 1 ,002.62 1 ,202.57 Reserves 16 ,021.70 1 6,076.13 Balances with RBI 8 ,816.84 9 ,416.84 Balances in Current A/c 8 ,802.97 7 ,532.97 Deposits 2, 13,625.97 2 ,26,588.64 Balances in Deposit A/c 9 6,723.72 1 ,01,632.10 Current 15 ,580.37 11 ,484.61 Other Investments 5 1,509.60 5 3,942.00 Savings 1, 32,593.06 1 ,43,472.49 Loans & Advances (Net) 6 5,783.85 6 9,628.02 Term 65 ,452.54 7 1,631.54 Fixed Assets 6 25.41 7 92.03 Borrowings 3, 016.95 3 ,709.12 Other Assets 1 0,000.66 1 2,989.00 NABARD 2, 828.63 3 ,175.31 Accumulated Losses - - Sponsor Banks - - Others 18 8.32 5 33.81 Other Liabilities 10 ,341.29 1 0,501.88 TOTAL 2, 43,265.67 2 ,57,135.53 TOTAL 2 ,43,265.67 2 ,57,135.53 EXPENDITURE INCOME Interest on Deposits 8, 597.11 9 ,594.65 Interest on Advances 6 ,773.85 6 ,700.19 Interest on RBI/Inter Bk. Funds 13 9.87 1 51.31 Interest on Investments & Bank Balances 1 0,245.64 1 0,887.75 Interest on Others - 4. 76 Commission 1 81.11 1 68.04 Wage Bill 3, 111.11 4 ,650.87 Other Income 9 24.97 1 ,004.46 Other Operating Expenses 3, 303.20 1 ,403.19 Provisions and Contingencies 2, 893.77 2 ,901.23 Income over Expenditure 80 .51 5 4.43 Exp. Over Income - - TOTAL 18 ,125.57 1 8,760.44 TOTAL 1 8,125.57 1 8,760.44 KEY INDICATORS Per Branch Productivity 3,020.32 3,360.58 CD Ratio 32.90 33.48 Per Employee Productivity 715.14 758.02 Recovery (%) 72.33 74.26 CRAR (%) 16.81 14.61 Gross NPA (%) 11.87 11.59 Net NPA (%) 5.84 3.67 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 70 ,284.30 7 5,863.31 Loan O/s 7.94 Fin. Return 7.81 6.81 Loans Disbursed 40 ,156.23 3 3,158.69 Deposits 6.07 Fin. Cost 4.01 3.78 Gross NPAs 8, 341.26 8 ,789.80 Net Profit/Loss(-) -32.39 Fin. Margin 3.80 3.03 Net NPA 3, 840.81 2 ,554.50 Salary 1.43 1.80 Average Working Fund 2, 17,884.78 2 ,58,276.31 Other Opt. Exp. 1.52 0.54 Net Profit/Loss (-) 80 .51 5 4.43 Misc. Income 0.51 0.45 Gross Margin 1.37 1.14 Risk Cost 1.33 1.12 Net Margin 0.04 0.02

7 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Mizoram Rural Bank State: Mizoram No. of Districts: 11 No of Branches : 85 No. of Staff : 456 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 3,1 03.82 3,1 03.82 Cash in Hand 4,8 51.60 6,3 72.13 Reserves 12 ,301.66 13 ,633.19 Balances with RBI 10 ,241.98 10 ,696.98 Balances in Current A/c 2,1 06.77 4,1 92.59 Deposits 2,5 9,504.92 3,4 7,812.51 Balances in Deposit A/c 76 ,725.00 1,3 6,375.00 Current 10 ,079.69 10 ,366.18 Other Investments 71 ,453.38 79 ,198.83 Savings 1,5 5,670.74 1,9 7,305.67 Loans & Advances (Net) 1,2 3,101.50 1,5 3,543.15 Term 93 ,754.49 1,4 0,140.66 Fixed Assets 2,4 57.42 2,7 83.49 Borrowings 17 ,906.38 28 ,769.68 Other Assets 13 ,908.85 19 ,227.46 NABARD 12 ,522.07 18 ,092.28 Accumulated Losses - - Sponsor Banks 17 3.04 - Others 5,2 11.27 10 ,677.40 Other Liabilities 12 ,029.72 19 ,070.43 TOTAL 3,0 4,846.50 4,1 2,389.63 TOTAL 3,0 4,846.50 4,1 2,389.63 EXPENDITURE INCOME Interest on Deposits 11 ,710.34 14 ,224.33 Interest on Advances 12 ,397.73 15 ,195.62 Interest on RBI/Inter Bk. Funds 78 9.68 96 1.43 Interest on Investments & Bank Balances 9,5 13.02 14 ,249.54 Interest on Others - - Commission 84 9.44 98 4.49 Wage Bill 2,8 23.91 7,0 91.73 Other Income 1,5 64.05 59 1.67 Other Operating Expenses 4,8 49.68 3,3 50.20 Provisions and Contingencies 3,3 08.43 4,0 62.11 Income over Expenditure 84 2.20 1,3 31.52 Exp. Over Income - - TOTAL 24 ,324.24 31 ,021.32 TOTAL 24 ,324.24 31 ,021.32 KEY INDICATORS Per Branch Productivity 4,501.25 5,898.30 CD Ratio 47.44 44.15 Per Employee Productivity 915.33 1,099.46 Recovery (%) 83.12 86.85 CRAR (%) 10.95 9.80 Gross NPA (%) 5.22 5.19 Net NPA (%) 2.05 1.41 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1,2 3,101.50 1,5 3,543.15 Loan O/s 24.73 Fin. Return 8.79 8.19 Loans Disbursed 44 ,404.92 73 ,626.36 Deposits 34.03 Fin. Cost 5.02 4.22 Gross NPAs 6,4 28.53 7,9 63.92 Net Profit/Loss(-) 58.10 Fin. Margin 3.78 3.96 Net NPA 2,5 24.95 2,1 71.51 Salary 1.13 1.97 Average Working Fund 2,4 9,130.59 3,5 9,737.30 Other Opt. Exp. 1.95 0.93 Net Profit/Loss (-) 84 2.20 1,3 31.52 Misc. Income 0.97 0.44 Gross Margin 1.67 1.50 Risk Cost 1.33 1.13 Net Margin 0.34 0.37

8 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Nagaland Rural Bank State: Nagaland No. of Districts: 5 No of Branches : 10 No. of Staff : 32 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1, 554.80 1 ,691.75 Cash in Hand 5 9.35 8 2.97 Reserves - - Balances with RBI 4 02.22 4 44.22 Balances in Current A/c 9 73.79 3 96.48 Deposits 10 ,092.78 11 ,386.82 Balances in Deposit A/c 2 ,853.15 4 ,543.53 Current 73 1.15 1 ,278.48 Other Investments 3 ,223.45 2 ,620.82 Savings 5, 497.26 6 ,128.08 Loans & Advances (Net) 2 ,873.40 3 ,298.07 Term 3, 864.37 3 ,980.26 Fixed Assets 3 7.19 5 4.94 Borrowings - 3 4.48 Other Assets 1 ,026.68 9 83.97 NABARD - - Accumulated Losses 1 ,319.00 1 ,643.20 Sponsor Banks - - Others - 3 4.48 Other Liabilities 1, 120.65 9 55.15 TOTAL 12 ,768.23 1 4,068.20 TOTAL 1 2,768.23 1 4,068.20 EXPENDITURE INCOME Interest on Deposits 39 8.05 4 32.02 Interest on Advances 3 05.00 3 27.02 Interest on RBI/Inter Bk. Funds - - Interest on Investments & Bank Balances 4 98.54 5 18.39 Interest on Others - - Commission 1 3.64 2 3.30 Wage Bill 29 1.48 3 12.45 Other Income 8 .36 3 .49 Other Operating Expenses 14 8.46 1 28.45 Provisions and Contingencies 11 1.44 3 23.48 Income over Expenditure - - Exp. Over Income 1 23.89 3 24.20 TOTAL 94 9.43 1 ,196.40 TOTAL 9 49.43 1 ,196.40 KEY INDICATORS Per Branch Productivity 1,306.24 1,477.60 CD Ratio 29.42 29.76 Per Employee Productivity 353.04 461.75 Recovery (%) 74.54 78.93 CRAR (%) 6.05 1.95 Gross NPA (%) 5.15 4.14 Net NPA (%) 3.33 2.37 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2, 969.63 3 ,389.14 Loan O/s 14.13 Fin. Return 7.82 7.47 Loans Disbursed 1, 346.50 1 ,366.08 Deposits 12.82 Fin. Cost 3.87 3.82 Gross NPAs 15 2.97 1 40.23 Net Profit/Loss(-) -161.68 Fin. Margin 3.95 3.65 Net NPA 95 .81 7 8.09 Salary 2.84 2.76 Average Working Fund 10 ,275.66 1 1,321.45 Other Opt. Exp. 1.44 1.13 Net Profit/Loss (-) -12 3.89 -32 4.20 Misc. Income 0.21 0.24 Gross Margin -0.12 -0.01 Risk Cost 1.08 2.86 Net Margin -1.21 -2.86

9 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: * State: Tamil Nadu No. of Districts: No of Branches : No. of Staff : Sponsor Bank: I.O.B. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 4,0 39.67 Cash in Hand 3,9 73.45 Reserves 67 ,194.00 Balances with RBI 25 ,607.12 Balances in Current A/c 3,8 65.11 Deposits 6,1 5,526.26 Balances in Deposit A/c 2,0 6,500.00 Current 4,8 80.49 Other Investments 2,7 3,567.61 Savings 1,8 2,595.74 Loans & Advances (Net) 4,0 4,367.00 Term 4,2 8,050.03 Fixed Assets 2,1 18.92 Borrowings 2,6 7,821.22 Other Assets 66 ,171.81 NABARD 2,6 3,310.30 Accumulated Losses - Sponsor Banks - Others 4,5 10.92 Other Liabilities 31 ,589.87 TOTAL 9,8 6,171.02 TOTAL 9,8 6,171.02 EXPENDITURE INCOME Interest on Deposits 37 ,297.45 Interest on Advances 55 ,950.18 Interest on RBI/Inter Bk. Funds 26 ,328.64 Interest on Investments & Bank Balances 33 ,650.45 Interest on Others - Commission 4,1 88.04 Wage Bill 15 ,410.68 Other Income 6,7 61.49 Other Operating Expenses 6,7 04.65 Provisions and Contingencies 7,4 76.50 Income over Expenditure 7,3 32.24 Exp. Over Income - TOTAL 1,0 0,550.16 TOTAL 1,0 0,550.16 KEY INDICATORS Per Branch Productivity 3,589.81 CD Ratio 97.71 Per Employee Productivity 872.99 Recovery (%) 98.05 CRAR (%) 19.88 Gross NPA (%) 1.35 Net NPA (%) 0.55 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 6,0 1,420.14 Loan O/s Fin. Return 8.03 Loans Disbursed 6,8 4,041.29 Deposits Fin. Cost 5.70 Gross NPAs 8,1 27.26 Net Profit/Loss(-) Fin. Margin 2.33 Net NPA 2,2 25.68 Salary 1.38 Average Working Fund 11 ,15,732.62 Other Opt. Exp. 0.60 Net Profit/Loss (-) 7,3 32.24 Misc. Income 0.98 Gross Margin 1.33 Risk Cost 0.67 Net Margin 0.66 * Pandyan Grama Bank (IoB) & (Indian bank) amalgamated to form Tamil Nadu Grama Bank w.e.f 1 April 2019

10 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Puduvai Bharathiyar GB State/UT: Puducherry No. of Districts: 2 No of Branches : 43 No. of Staff : 120 Sponsor Bank: Indian Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1,3 50.00 1,3 50.00 Cash in Hand 33 1.67 31 8.20 Reserves 4,2 35.44 4,8 47.34 Balances with RBI 2,7 10.01 3,2 00.02 Balances in Current A/c 35 3.08 33 8.35 Deposits 68 ,077.85 80 ,413.53 Balances in Deposit A/c 4,6 37.85 7,3 51.31 Current 1,1 72.31 56 2.91 Other Investments 12 ,673.84 15 ,266.70 Savings 16 ,297.84 18 ,509.47 Loans & Advances (Net) 61 ,285.66 66 ,969.57 Term 50 ,607.70 61 ,341.15 Fixed Assets 42 2.59 27 5.07 Borrowings 11 ,332.05 9,3 33.62 Other Assets 3,2 33.09 3,0 04.61 NABARD 11 ,284.39 9,3 33.62 Accumulated Losses - - Sponsor Banks 32 .66 - Others 15 .00 - Other Liabilities 65 2.45 77 9.34 TOTAL 85 ,647.79 96 ,723.83 TOTAL 85 ,647.79 96 ,723.83 EXPENDITURE INCOME Interest on Deposits 3,8 71.34 4,7 49.67 Interest on Advances 5,4 85.45 6,1 62.76 Interest on RBI/Inter Bk. Funds 74 4.06 64 8.20 Interest on Investments & Bank Balances 1,1 65.44 1,3 64.94 Interest on Others - - Commission 37 .39 37 .18 Wage Bill 82 7.66 1,0 34.18 Other Income 93 8.82 1,0 59.04 Other Operating Expenses 1,1 18.85 74 3.09 Provisions and Contingencies 31 9.93 83 6.88 Income over Expenditure 74 5.26 611. 90 Exp. Over Income - - TOTAL 7,6 27.10 8,6 23.92 TOTAL 7,6 27.10 8,6 23.92 KEY INDICATORS Per Branch Productivity 3,027.93 3,458.08 CD Ratio 91.25 84.92 Per Employee Productivity 1,205.57 1,239.15 Recovery (%) 92.23 91.67 CRAR (%) 12.38 12.08 Gross NPA (%) 1.35 1.92 Net NPA (%) 0.00 0.00 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 62 ,123.32 68 ,283.96 Loan O/s 9.92 Fin. Return 8.29 8.29 Loans Disbursed 70 ,399.13 77 ,205.23 Deposits 18.12 Fin. Cost 5.76 5.94 Gross NPAs 83 7.65 1,3 14.39 Net Profit/Loss(-) -17.89 Fin. Margin 2.54 2.34 Net NPA - - Salary 1.03 1.14 Average Working Fund 80 ,186.45 90 ,857.98 Other Opt. Exp. 1.40 0.82 Net Profit/Loss (-) 74 5.26 61 1.90 Misc. Income 1.22 1.21 Gross Margin 1.33 1.59 Risk Cost 0.40 0.92 Net Margin 0.93 0.67

11 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Tripura Gramin Bank State: Tripura No. of Districts: 8 No of Branches : 148 No. of Staff : 801 Sponsor Bank: United BoI LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 26 ,561.00 26 ,561.00 Cash in Hand 2,6 99.33 4,1 35.87 Reserves 45 ,348.89 61 ,136.31 Balances with RBI 26 ,122.63 30 ,396.77 Balances in Current A/c 69 ,894.20 98 ,414.27 Deposits 6,6 9,176.76 7,1 9,050.20 Balances in Deposit A/c 64 ,010.56 65 ,164.47 Current 19 ,955.18 22 ,331.63 Other Investments 4,2 6,653.48 4,5 3,418.60 Savings 3,5 0,219.14 3,6 4,601.56 Loans & Advances (Net) 2,5 7,568.19 2,7 4,563.33 Term 2,9 9,002.44 3,3 2,117.01 Fixed Assets 52 9.81 1,1 01.01 Borrowings 88 ,292.84 90 ,337.37 Other Assets 58 ,256.20 57 ,061.85 NABARD 22 ,404.25 25 ,871.06 Accumulated Losses - - Sponsor Banks 60 ,025.05 60 ,008.77 Others 5,8 63.54 4,4 57.54 Other Liabilities 76 ,354.91 87 ,171.29 TOTAL 9,0 5,734.40 9,8 4,256.17 TOTAL 9,0 5,734.40 9,8 4,256.17 EXPENDITURE INCOME Interest on Deposits 29 ,902.85 36 ,500.16 Interest on Advances 22 ,960.64 25 ,396.78 Interest on RBI/Inter Bk. Funds 1,6 94.61 1,4 86.98 Interest on Investments & Bank Balances 31 ,906.58 32 ,478.39 Interest on Others 1,8 16.34 1,0 38.73 Commission 44 1.11 43 9.15 Wage Bill 6,6 61.57 6,6 16.72 Other Income 10 ,727.54 16 ,899.53 Other Operating Expenses 3,1 68.69 7,9 81.64 Provisions and Contingencies 10 ,247.05 5,8 02.20 Income over Expenditure 12 ,544.76 15 ,787.42 Exp. Over Income - - TOTAL 66 ,035.87 75 ,213.85 TOTAL 66 ,035.87 75 ,213.85 KEY INDICATORS Per Branch Productivity 6,261.79 6,713.60 CD Ratio 38.49 38.18 Per Employee Productivity 1,065.22 1,240.47 Recovery (%) 72.01 72.82 CRAR (%) 18.40 21.89 Gross NPA (%) 8.95 8.92 Net NPA (%) 0.00 0.00 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2,5 7,568.19 2,7 4,563.33 Loan O/s 6.60 Fin. Return 7.09 6.93 Loans Disbursed 1,3 1,989.12 3,7 7,707.86 Deposits 7.45 Fin. Cost 4.32 4.67 Gross NPAs 23 ,041.30 24 ,477.93 Net Profit/Loss(-) 25.85 Fin. Margin 2.77 2.26 Net NPA - - Salary 0.86 0.79 Average Working Fund 7,7 3,370.76 8,3 5,123.70 Other Opt. Exp. 0.41 0.96 Net Profit/Loss (-) 12 ,544.76 15 ,787.42 Misc. Income 1.44 2.08 Gross Margin 2.95 2.59 Risk Cost 1.32 0.69 Net Margin 1.62 1.89

12 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Prathama Bank* State: Uttar Pradesh No. of Districts: No of Branches : No. of Staff : Sponsor Bank: Syndicate Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 87 4.76 Cash in Hand 4,0 96.75 Reserves 68 ,382.29 Balances with RBI 27 ,287.61 Balances in Current A/c 71 2.01 Deposits 7,2 3,013.14 Balances in Deposit A/c 10 ,799.76 Current 16 ,824.01 Other Investments 2,4 3,257.57 Savings 5,0 2,117.09 Loans & Advances (Net) 6,0 7,317.41 Term 2,0 4,072.04 Fixed Assets 2,2 34.80 Borrowings 1,1 9,334.38 Other Assets 47 ,946.91 NABARD 1,1 6,603.79 Accumulated Losses - Sponsor Banks 55 .81 Others 2,6 74.78 Other Liabilities 32 ,048.25 TOTAL 9,4 3,652.82 TOTAL 9,4 3,652.82 EXPENDITURE INCOME Interest on Deposits 35 ,976.60 Interest on Advances 51 ,528.37 Interest on RBI/Inter Bk. Funds 9,7 85.52 Interest on Investments & Bank Balances 23 ,845.34 Interest on Others 87 .62 Commission 3,8 03.81 Wage Bill 31 ,858.04 Other Income 7,5 22.50 Other Operating Expenses 10 ,199.93 Provisions and Contingencies 25 ,115.19 Income over Expenditure - Exp. Over Income 26 ,322.88 TOTAL 1,1 3,022.90 TOTAL 1,1 3,022.90 KEY INDICATORS Per Branch Productivity 3,316.16 CD Ratio 89.43 Per Employee Productivity 632.60 Recovery (%) 65.71 CRAR (%) 9.97 Gross NPA (%) 11.53 Net NPA (%) 5.82 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 6,4 6,560.91 Loan O/s Fin. Return 7.46 Loans Disbursed 5,8 6,467.51 Deposits Fin. Cost 4.54 Gross NPAs 74 ,569.31 Net Profit/Loss(-) Fin. Margin 2.92 Net NPA 35 ,325.83 Salary 3.16 Average Working Fund 10 ,09,708.19 Other Opt. Exp. 1.01 Net Profit/Loss (-) -26,3 22.88 Misc. Income 1.12 Gross Margin -0.12 Risk Cost 2.49 Net Margin -2.61 * Prathama Bank (Syndicate Bank) & Sarva U.P GB (PNB) amalgamated to form Prathama U.P Gramin Bank (PNB) w.e.f 1 April 2019

13 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Uttar Banga KGB State: West Bengal No. of Districts: 5 No of Branches : 142 No. of Staff : 505 Sponsor Bank: C.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 9,0 79.13 9,0 79.13 Cash in Hand 1,3 76.28 1,8 90.26 Reserves 4,9 12.20 5,1 85.30 Balances with RBI 11 ,998.53 12 ,998.53 Balances in Current A/c 15 ,986.88 5,5 27.22 Deposits 3,0 1,495.89 3,2 9,639.83 Balances in Deposit A/c 41 ,160.50 1,0 2,166.73 Current 4,3 01.23 4,8 30.69 Other Investments 1,0 6,964.42 69 ,711.14 Savings 1,8 0,006.30 2,0 0,729.34 Loans & Advances (Net) 1,5 9,503.65 1,8 7,692.10 Term 1,1 7,188.36 1,2 4,079.80 Fixed Assets 38 2.18 35 2.85 Borrowings 25 ,315.73 40 ,820.64 Other Assets 11 ,595.58 11 ,175.74 NABARD 25 ,315.73 39 ,616.64 Accumulated Losses - - Sponsor Banks - - Others - 1,2 04.00 Other Liabilities 8,1 65.07 6,7 89.67 TOTAL 3,4 8,968.02 3,9 1,514.57 TOTAL 3,4 8,968.02 3,9 1,514.57 EXPENDITURE INCOME Interest on Deposits 13 ,352.26 14 ,363.28 Interest on Advances 15 ,251.83 18 ,656.46 Interest on RBI/Inter Bk. Funds 83 0.56 1,3 39.16 Interest on Investments & Bank Balances 9,5 90.11 9,2 01.51 Interest on Others - - Commission 22 1.47 25 7.52 Wage Bill 3,6 87.23 4,1 18.34 Other Income 2,0 28.18 3,8 27.74 Other Operating Expenses 6,0 15.05 4,2 94.68 Provisions and Contingencies 2,1 08.98 7,7 51.08 Income over Expenditure 1,0 97.51 76 .69 Exp. Over Income - - TOTAL 27 ,091.59 31 ,943.23 TOTAL 27 ,091.59 31 ,943.23 KEY INDICATORS Per Branch Productivity 3,329.88 3,711.96 CD Ratio 56.83 59.90 Per Employee Productivity 897.24 1,043.76 Recovery (%) 78.93 58.76 CRAR (%) 11.21 9.74 Gross NPA (%) 9.24 6.73 Net NPA (%) 2.51 1.88 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1,7 1,347.01 1,9 7,458.21 Loan O/s 15.24 Fin. Return 7.28 7.54 Loans Disbursed 1,0 5,800.60 1,2 3,806.66 Deposits 9.33 Fin. Cost 4.16 4.25 Gross NPAs 15 ,840.22 13 ,293.43 Net Profit/Loss(-) -93.01 Fin. Margin 3.12 3.29 Net NPA 3,9 97.00 3,5 27.33 Salary 1.08 1.12 Average Working Fund 3,4 1,101.87 3,6 9,296.49 Other Opt. Exp. 1.76 1.16 Net Profit/Loss (-) 1,0 97.51 76 .69 Misc. Income 0.66 1.11 Gross Margin 0.94 2.12 Risk Cost 0.62 2.10 Net Margin 0.32 0.02

14 PART II RRB-WISE STATEMENTS AMALGAMATED RRBs

15 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Andhra Pragati GB State: Andhra Pradesh No. of Districts: 5 No of Branches : 552 No. of Staff : 2656 Sponsor Bank: Syndicate Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 4,2 34.26 4,2 34.26 Cash in Hand 10 ,780.48 7,4 94.96 Reserves 2,1 6,743.23 2,4 4,879.84 Balances with RBI 76 ,431.26 43 ,997.96 Balances in Current A/c 7,6 96.25 65 ,801.75 Deposits 14 ,32,478.17 16 ,15,070.99 Balances in Deposit A/c 49 ,525.00 2,2 7,025.00 Current 80 ,411.30 57 ,744.69 Other Investments 4,8 3,208.60 4,4 6,979.13 Savings 4,6 1,932.89 4,6 1,619.79 Loans & Advances (Net) 13 ,68,646.80 15 ,11,784.20 Term 8,9 0,133.98 10 ,95,706.51 Fixed Assets 4,7 76.26 4,3 55.71 Borrowings 3,5 2,743.01 4,4 7,613.49 Other Assets 48 ,931.79 1,0 3,342.56 NABARD 3,4 8,410.77 3,9 5,272.94 Accumulated Losses - - Sponsor Banks 1,4 27.58 49 ,999.80 Others 2,9 04.66 2,3 40.75 Other Liabilities 43 ,797.77 98 ,982.69 TOTAL 20 ,49,996.44 24 ,10,781.27 TOTAL 20 ,49,996.44 24 ,10,781.27 EXPENDITURE INCOME Interest on Deposits 75 ,044.37 86 ,113.86 Interest on Advances 1,2 7,772.77 1,4 7,320.74 Interest on RBI/Inter Bk. Funds 20 ,645.23 21 ,368.28 Interest on Investments & Bank Balances 39 ,987.41 40 ,259.12 Interest on Others - - Commission 1,0 16.11 1,0 65.02 Wage Bill 44 ,345.28 54 ,638.14 Other Income 25 ,333.40 34 ,577.42 Other Operating Expenses 11 ,489.41 11 ,945.11 Provisions and Contingencies 19 ,467.30 21 ,020.30 Income over Expenditure 23 ,118.10 28 ,136.61 Exp. Over Income - - TOTAL 1,9 4,109.69 2,2 3,222.30 TOTAL 1,9 4,109.69 2,2 3,222.30 KEY INDICATORS Per Branch Productivity 5,124.22 5,714.31 CD Ratio 97.46 95.30 Per Employee Productivity 1,085.41 1,187.61 Recovery (%) 83.05 84.07 CRAR (%) 17.98 17.75 Gross NPA (%) 1.97 1.67 Net NPA (%) 0.00 0.00 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 13 ,96,092.35 15 ,39,229.75 Loan O/s 10.25 Fin. Return 8.76 8.95 Loans Disbursed 11 ,25,815.57 13 ,49,592.69 Deposits 12.75 Fin. Cost 4.99 5.13 Gross NPAs 27 ,445.54 25 ,737.13 Net Profit/Loss(-) 21.71 Fin. Margin 3.76 3.82 Net NPA - - Salary 2.31 2.61 Average Working Fund 19 ,15,997.00 20 ,94,829.00 Other Opt. Exp. 0.60 0.57 Net Profit/Loss (-) 23 ,118.10 28 ,136.61 Misc. Income 1.38 1.70 Gross Margin 2.22 2.35 Risk Cost 1.02 1.00 Net Margin 1.21 1.34

16 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Chaitanya Godavari GB State: Andhra Pradesh No. of Districts: 3 No of Branches : 220 No. of Staff : 1062 Sponsor Bank: Andhra Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 74 4.22 74 4.22 Cash in Hand 9,9 87.76 7,0 79.72 Reserves 42 ,676.02 49 ,740.25 Balances with RBI 17 ,314.00 21 ,060.90 Balances in Current A/c 8,7 63.62 13 ,400.85 Deposits 4,4 5,776.88 5,3 7,971.34 Balances in Deposit A/c 39 ,135.06 69 ,011.57 Current 10 ,719.96 11 ,257.77 Other Investments 1,3 3,267.77 1,3 2,219.59 Savings 1,3 5,474.61 1,5 8,369.07 Loans & Advances (Net) 4,5 8,226.26 4,9 9,143.46 Term 2,9 9,582.31 3,6 8,344.50 Fixed Assets 1,6 61.45 1,6 07.02 Borrowings 1,8 5,808.12 1,7 6,227.71 Other Assets 46 ,311.46 43 ,704.40 NABARD 1,8 1,540.40 1,7 5,661.31 Accumulated Losses - - Sponsor Banks 1.4 9 1.4 9 Others 4,2 66.23 56 4.91 Other Liabilities 39 ,662.14 22 ,543.99 TOTAL 7,1 4,667.38 7,8 7,227.51 TOTAL 7,1 4,667.38 7,8 7,227.51 EXPENDITURE INCOME Interest on Deposits 24 ,744.22 31 ,071.51 Interest on Advances 49 ,961.42 53 ,888.03 Interest on RBI/Inter Bk. Funds 11 ,107.60 9,1 92.37 Interest on Investments & Bank Balances 9,2 90.81 11 ,546.71 Interest on Others 2,5 29.95 2,6 00.75 Commission 37 5.62 29 4.32 Wage Bill 9,8 93.31 11 ,361.92 Other Income 5,2 08.75 6,2 06.88 Other Operating Expenses 4,2 03.34 4,1 16.60 Provisions and Contingencies 5,7 08.39 6,5 28.56 Income over Expenditure 6,6 49.79 7,0 64.23 Exp. Over Income - - TOTAL 64 ,836.60 71 ,935.94 TOTAL 64 ,836.60 71 ,935.94 KEY INDICATORS Per Branch Productivity 4,165.38 4,734.73 CD Ratio 103.70 93.62 Per Employee Productivity 931.34 980.83 Recovery (%) 81.15 82.54 CRAR (%) 10.32 11.50 Gross NPA (%) 1.01 1.12 Net NPA (%) 0.14 0.23 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 4,6 2,275.03 5,0 3,668.46 Loan O/s 8.95 Fin. Return 8.86 8.72 Loans Disbursed 4,2 7,775.11 4,4 8,696.51 Deposits 20.68 Fin. Cost 5.74 5.71 Gross NPAs 4,6 77.11 5,6 50.40 Net Profit/Loss(-) 6.23 Fin. Margin 3.12 3.01 Net NPA 62 8.34 1,1 25.40 Salary 1.48 1.51 Average Working Fund 6,6 8,479.61 7,5 0,528.91 Other Opt. Exp. 0.63 0.55 Net Profit/Loss (-) 6,6 49.79 7,0 64.23 Misc. Income 0.84 0.87 Gross Margin 1.85 1.81 Risk Cost 0.85 0.87 Net Margin 0.99 0.94

17 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Saptagiri GB State: Andhra Pradesh No. of Districts: 2 No of Branches : 223 No. of Staff : 889 Sponsor Bank: Indian Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1, 777.05 1 ,777.05 Cash in Hand 4 ,655.32 4 ,211.16 Reserves 63 ,335.44 7 6,393.75 Balances with RBI 2 0,176.76 2 1,150.62 Balances in Current A/c 5 ,458.02 4 ,886.13 Deposits 5, 75,055.49 6 ,52,346.34 Balances in Deposit A/c 1 ,78,420.58 3 ,22,387.64 Current 5, 200.79 3 ,298.44 Other Investments 9 7,443.52 9 4,358.47 Savings 1, 46,361.62 1 ,55,650.63 Loans & Advances (Net) 5 ,26,914.77 5 ,36,491.82 Term 4, 23,493.08 4 ,93,397.27 Fixed Assets 2 ,001.92 1 ,768.69 Borrowings 1, 81,952.80 2 ,57,002.27 Other Assets 3 3,947.97 3 5,287.79 NABARD 1, 80,258.40 2 ,55,477.46 Accumulated Losses - - Sponsor Banks - 0. 01 Others 1, 694.40 1 ,524.80 Other Liabilities 46 ,898.08 3 3,022.91 TOTAL 8, 69,018.86 1 0,20,542.32 TOTAL 8 ,69,018.86 1 0,20,542.32 EXPENDITURE INCOME Interest on Deposits 35 ,074.29 3 9,315.23 Interest on Advances 5 4,965.39 6 2,240.14 Interest on RBI/Inter Bk. Funds 13 ,431.90 1 2,656.23 Interest on Investments & Bank Balances 2 2,156.36 2 5,695.66 Interest on Others - 3 ,171.07 Commission 2 96.06 1 59.93 Wage Bill 6, 486.50 1 2,943.90 Other Income 4 ,949.60 6 ,103.56 Other Operating Expenses 4, 328.99 3 ,745.48 Provisions and Contingencies 12 ,920.38 9 ,309.07 Income over Expenditure 10 ,125.35 1 3,058.31 Exp. Over Income - - TOTAL 82 ,367.41 9 4,199.29 TOTAL 8 2,367.41 9 4,199.29 KEY INDICATORS Per Branch Productivity 5,008.96 5,373.06 CD Ratio 91.63 83.67 Per Employee Productivity 1,205.66 1,347.80 Recovery (%) 89.95 90.29 CRAR (%) 12.76 14.09 Gross NPA (%) 1.81 1.71 Net NPA (%) 0.00 0.00 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 5, 26,914.77 5 ,45,845.81 Loan O/s 3.59 Fin. Return 11.03 10.96 Loans Disbursed 5, 71,156.00 6 ,56,257.00 Deposits 13.44 Fin. Cost 6.94 6.87 Gross NPAs 9, 526.04 9 ,353.99 Net Profit/Loss(-) 28.97 Fin. Margin 4.09 4.09 Net NPA - - Salary 0.93 1.61 Average Working Fund 6, 98,971.00 8 ,02,156.00 Other Opt. Exp. 0.62 0.47 Net Profit/Loss (-) 10 ,125.35 1 3,058.31 Misc. Income 0.75 0.78 Gross Margin 3.30 2.79 Risk Cost 1.85 1.16 Net Margin 1.45 1.63

18 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Assam GVB (Old)* State: Assam No. of Districts: No of Branches : No. of Staff : Sponsor Bank: United BoI LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 8, 963.25 Cash in Hand 5, 797.27 Reserves 11 ,570.58 Balances with RBI 36 ,500.00 Balances in Current A/c 37 ,654.45 Deposits 9, 25,746.23 Balances in Deposit A/c 1, 59,860.12 Current 43 ,013.65 Other Investments 3, 82,859.39 Savings 6, 22,817.11 Loans & Advances (Net) 3, 14,223.59 Term 2, 59,915.47 Fixed Assets 2, 975.14 Borrowings 31 ,059.57 Other Assets 63 ,226.20 NABARD 11 ,261.05 Accumulated Losses - Sponsor Banks 19 ,730.40 Others 68 .12 Other Liabilities 25 ,756.53 TOTAL 10 ,03,096.16 TOTAL 10 ,03,096.16 EXPENDITURE INCOME Interest on Deposits 39 ,052.79 Interest on Advances 21 ,857.82 Interest on RBI/Inter Bk. Funds 1, 270.86 Interest on Investments & Bank Balances 35 ,791.03 Interest on Others - Commission 53 7.02 Wage Bill 14 ,480.76 Other Income 4, 646.46 Other Operating Expenses 6, 505.87 Provisions and Contingencies 6, 442.82 Income over Expenditure - Exp. Over Income 4, 920.77 TOTAL 67 ,753.10 TOTAL 67 ,753.10 KEY INDICATORS Per Branch Productivity 3,116.78 CD Ratio 39.38 Per Employee Productivity 730.25 Recovery (%) 51.80 CRAR (%) 6.32 Gross NPA (%) 46.95 Net NPA (%) 38.45 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 3, 64,601.10 Loan O/s Fin. Return 6.00 Loans Disbursed 58 ,697.70 Deposits Fin. Cost 4.19 Gross NPAs 1, 71,188.22 Net Profit/Loss(-) Fin. Margin 1.80 Net NPA 1, 20,810.72 Salary 1.51 Average Working Fund 9, 61,614.55 Other Opt. Exp. 0.68 Net Profit/Loss (-) -4,9 20.77 Misc. Income 0.54 Gross Margin 0.16 Risk Cost 0.67 Net Margin -0.51 *Langpi Dehangi RB (SBI) and Assam GVB (United BoI) amalgamated to form Assam Gramin Vikash Bank (United BoI) from 1 April 2019

19 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Assam GVB (New) State: Assam No. of Districts: 33 No of Branches : 473 No. of Staff : 1847 Sponsor Bank: United BoI LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 16 ,205.37 Cash in Hand 6, 185.47 Reserves 35 ,184.88 Balances with RBI 43 ,400.00 Balances in Current A/c 24 ,329.28 Deposits 11 ,11,834.93 Balances in Deposit A/c 2, 60,226.30 Current 52 ,034.46 Other Investments 4, 17,625.76 Savings 7, 68,967.19 Loans & Advances (Net) 3, 53,902.95 Term 2, 90,833.28 Fixed Assets 3, 228.16 Borrowings 8, 102.14 Other Assets 59 ,167.88 NABARD 8, 054.17 Accumulated Losses 37 ,162.23 Sponsor Banks - Others 47 .97 Other Liabilities 33 ,900.71 TOTAL 12 ,05,228.03 TOTAL 12 ,05,228.03 EXPENDITURE INCOME Interest on Deposits 44 ,961.08 Interest on Advances 24 ,738.89 Interest on RBI/Inter Bk. Funds 70 6.04 Interest on Investments & Bank Balances 41 ,364.45 Interest on Others - Commission 77 7.32 Wage Bill 44 ,719.05 Other Income 18 ,218.02 Other Operating Expenses 8, 425.98 Provisions and Contingencies 5, 054.94 Income over Expenditure - Exp. Over Income 18 ,768.41 TOTAL 1, 03,867.09 TOTAL 1, 03,867.09 KEY INDICATORS Per Branch Productivity 3,205.34 CD Ratio 36.36 Per Employee Productivity 820.86 Recovery (%) 68.19 CRAR (%) 3.96 Gross NPA (%) 37.14 Net NPA (%) 28.19 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 4, 04,290.75 Loan O/s Fin. Return 6.34 Loans Disbursed 1, 15,952.90 Deposits Fin. Cost 4.38 Gross NPAs 1, 50,162.30 Net Profit/Loss(-) Fin. Margin 1.96 Net NPA 99 ,774.50 Salary 4.29 Average Working Fund 10 ,42,131.55 Other Opt. Exp. 0.81 Net Profit/Loss (-) -18 ,768.41 Misc. Income 1.82 Gross Margin -1.32 Risk Cost 0.49 Net Margin -1.80 *Langpi Dehangi RB (SBI) and Assam GVB (United BoI) amalgamated to form Assam Gramin Vikash Bank (United BoI) from 1 April 2019

20 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Dakshin Bihar GB* State: Bihar No. of Districts: 20 No of Branches : 1078 No. of Staff : 4320 Sponsor Bank: P.N.B. LIABILITIES 31-Mar-19 2019-20 ASSETS 31-Mar-19 2019-20 Share Capital 28 ,146.96 43 ,290.96 Cash in Hand 15 ,077.18 13 ,761.31 Reserves 25 ,848.72 25 ,848.71 Balances with RBI 72 ,359.58 80 ,249.96 Balances in Current A/c 22 ,329.32 29 ,666.09 Deposits 18 ,56,141.92 19 ,85,863.11 Balances in Deposit A/c 4,4 4,987.34 4,4 0,769.23 Current 88 ,802.38 67 ,712.51 Other Investments 8,0 6,346.67 7,4 0,049.54 Savings 12 ,16,483.31 12 ,83,784.76 Loans & Advances (Net) 8,4 8,709.00 8,9 0,991.85 Term 5,5 0,856.23 6,3 4,365.84 Fixed Assets 4,7 22.90 4,1 15.17 Borrowings 3,5 7,833.30 1,9 0,241.73 Other Assets 76 ,777.17 76 ,392.71 NABARD 3,2 9,708.43 1,8 0,082.51 Accumulated Losses - 22 ,020.28 Sponsor Banks 27 ,717.78 9,8 29.67 Others 40 7.09 32 9.55 Other Liabilities 23 ,338.26 52 ,771.63 TOTAL 22 ,91,309.16 22 ,98,016.14 TOTAL 22 ,91,309.16 22 ,98,016.14 EXPENDITURE# INCOME# Interest on Deposits 19 ,412.42 83 ,395.01 Interest on Advances 10 ,736.99 77 ,061.58 Interest on RBI/Inter Bk. Funds 5,1 86.93 15 ,380.77 Interest on Investments & Bank Balances 22 ,419.27 90 ,656.44 Interest on Others 64 .65 33 1.65 Commission 1,2 38.89 3,0 18.01 Wage Bill 7,2 05.74 33 ,836.38 Other Income 4,8 97.10 11 ,900.35 Other Operating Expenses 4,4 42.31 50 ,448.75 Provisions and Contingencies 25 ,688.29 21 ,264.10 Income over Expenditure - - Exp. Over Income 22 ,708.09 22 ,020.28 TOTAL 62 ,000.34 2,0 4,656.66 TOTAL 62 ,000.34 2,0 4,656.66 KEY INDICATORS Per Branch Productivity 2,609.42 2,779.77 CD Ratio 51.55 50.90 Per Employee Productivity 628.73 693.66 Recovery (%) 37.63 52.17 CRAR (%) 5.90 5.04 Gross NPA (%) 25.92 25.92 Net NPA (%) 16.49 15.96 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 9,5 6,808.92 10 ,10,730.00 Loan O/s 5.64 Fin. Return 1.46 7.45 Loans Disbursed 10 ,89,744.00 10 ,19,659.00 Deposits 6.99 Fin. Cost 1.08 4.40 Gross NPAs 2,4 8,020.43 2,6 1,952.65 Net Profit/Loss(-) 3.03 Fin. Margin 0.37 3.05 Net NPA 1,3 9,920.51 1,4 2,214.42 Salary 0.32 1.50 Average Working Fund 22 ,74,447.47 22 ,51,865.54 Other Opt. Exp. 0.20 2.24 Net Profit/Loss (-) -22,7 08.09 -22,0 20.28 Misc. Income 0.27 0.66 Gross Margin 0.13 -0.03 Risk Cost 1.13 0.94 Net Margin -1.00 -0.98 *Madhya Bihar GB and Bihar GB amalgamated to form Dakshin Bihar GB from 1 Jan 2019 #Income and Expenditure Pertain to the Quarter 1 Jan 2019 to 31 March 2019

21 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Uttar Bihar GB State: Bihar No. of Districts: 18 No of Branches : 1032 No. of Staff : 3063 Sponsor Bank: C.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 45 ,454.37 51 ,576.37 Cash in Hand 8, 353.78 7, 199.49 Reserves 7, 949.74 4, 750.21 Balances with RBI 63 ,180.93 67 ,980.93 Balances in Current A/c 10 ,191.43 10 ,844.68 Deposits 15 ,49,984.78 16 ,69,908.85 Balances in Deposit A/c 2, 98,050.00 3, 40,660.00 Current 35 ,799.63 35 ,430.79 Other Investments 5, 41,494.68 4, 49,265.03 Savings 10 ,72,144.77 11 ,37,233.83 Loans & Advances (Net) 7, 58,739.66 7, 99,559.87 Term 4, 42,040.38 4, 97,244.23 Fixed Assets 4, 110.98 2, 261.36 Borrowings 1, 53,657.38 70 ,040.34 Other Assets 1, 04,804.06 1, 80,051.77 NABARD 1, 40,646.34 63 ,426.47 Accumulated Losses - 37 ,745.88 Sponsor Banks 6, 650.96 61 3.77 Others 6, 360.08 6, 000.10 Other Liabilities 31 ,879.25 99 ,293.24 TOTAL 17 ,88,925.52 18 ,95,569.01 TOTAL 17 ,88,925.52 18 ,95,569.01 EXPENDITURE INCOME Interest on Deposits 65 ,649.48 66 ,576.42 Interest on Advances 65 ,558.50 75 ,086.65 Interest on RBI/Inter Bk. Funds 13 ,205.23 7, 576.40 Interest on Investments & Bank Balances 67 ,765.02 66 ,150.38 Interest on Others - - Commission 2, 977.44 1, 463.71 Wage Bill 25 ,642.63 73 ,698.85 Other Income 5, 740.16 9, 237.15 Other Operating Expenses 29 ,031.90 23 ,533.67 Provisions and Contingencies 6, 834.02 21 ,497.95 Income over Expenditure 1, 677.86 - Exp. Over Income - 40 ,945.40 TOTAL 1, 42,041.12 1, 92,883.29 TOTAL 1, 42,041.12 1, 92,883.29 KEY INDICATORS Per Branch Productivity 2,278.92 2,463.06 CD Ratio 51.73 52.22 Per Employee Productivity 712.25 829.86 Recovery (%) 46.85 26.10 CRAR (%) 7.31 2.88 Gross NPA (%) 27.43 22.13 Net NPA (%) 23.31 15.08 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 8, 01,862.55 8, 71,965.38 Loan O/s 8.74 Fin. Return 7.98 8.22 Loans Disbursed 9, 83,271.00 8, 69,437.00 Deposits 7.74 Fin. Cost 4.72 4.32 Gross NPAs 2, 19,950.37 1, 92,982.38 Net Profit/Loss(-) -2540.33 Fin. Margin 3.26 3.90 Net NPA 1, 76,827.49 1, 20,576.87 Salary 1.53 4.29 Average Working Fund 16 ,71,090.00 17 ,18,307.00 Other Opt. Exp. 1.74 1.37 Net Profit/Loss (-) 1, 677.86 -40 ,945.40 Misc. Income 0.52 0.62 Gross Margin 0.51 -1.13 Risk Cost 0.41 1.25 Net Margin 0.10 -2.38

22 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Chattisgarh Rajya GB State: Chattisgarh No. of Districts: 28 No of Branches : 613 No. of Staff : 2290 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 21 ,589.11 21 ,589.11 Cash in Hand 5,0 09.86 5,4 59.17 Reserves 72 ,018.21 72 ,964.44 Balances with RBI 46 ,943.07 37 ,093.27 Balances in Current A/c 1,1 84.39 3,2 79.93 Deposits 10 ,51,784.30 11 ,33,177.20 Balances in Deposit A/c 4,9 7,286.86 3,3 4,159.99 Current 27 ,067.90 31 ,817.30 Other Investments 3,4 0,292.10 5,4 2,555.05 Savings 7,2 2,860.53 7,6 7,859.32 Loans & Advances (Net) 2,8 2,903.32 3,3 8,976.73 Term 3,0 1,855.87 3,3 3,500.58 Fixed Assets 3,0 45.33 3,1 54.28 Borrowings 62 ,767.28 15 ,062.71 Other Assets 83 ,571.75 42 ,915.58 NABARD 4,3 67.32 6,1 53.81 Accumulated Losses - - Sponsor Banks 58 ,135.58 7,5 79.79 Others 26 4.38 1,3 29.11 Other Liabilities 52 ,077.78 64 ,800.54 TOTAL 12 ,60,236.68 13 ,07,594.00 TOTAL 12 ,60,236.68 13 ,07,594.00 EXPENDITURE INCOME Interest on Deposits 44 ,894.49 47 ,919.86 Interest on Advances 22 ,282.89 33 ,572.58 Interest on RBI/Inter Bk. Funds 68 4.61 73 0.65 Interest on Investments & Bank Balances 59 ,701.37 60 ,323.72 Interest on Others - - Commission 8,0 57.72 9,5 36.40 Wage Bill 28 ,967.84 44 ,851.90 Other Income 4,4 44.12 5,9 72.74 Other Operating Expenses 8,1 27.13 8,0 57.78 Provisions and Contingencies** 8,4 24.87 6,8 40.20 Income over Expenditure 3,3 87.16 1,0 05.05 Exp. Over Income - - TOTAL 94 ,486.10 1,0 9,405.44 TOTAL 94 ,486.10 1,0 9,405.44 KEY INDICATORS Per Branch Productivity 2,212.84 2,421.32 CD Ratio 28.97 30.98 Per Employee Productivity 571.14 648.15 Recovery (%) 80.54 82.29 CRAR (%) 21.19 22.02 Gross NPA (%) 13.65 5.54 Net NPA (%) 6.98 2.13 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 3,0 4,684.62 3,5 1,094.83 Loan O/s 15.23 Fin. Return 6.84 7.43 Loans Disbursed 1,4 7,236.22 2,3 9,165.02 Deposits 7.74 Fin. Cost 3.80 3.85 Gross NPAs 41 ,591.75 19 ,450.96 Net Profit/Loss(-) -70.33 Fin. Margin 3.04 3.58 Net NPA 19 ,750.45 7,2 31.43 Salary 2.42 3.55 Average Working Fund 11 ,98,265.00 12 ,64,448.85 Other Opt. Exp. 0.68 0.64 Net Profit/Loss (-) 3,3 87.16 1,0 05.05 Misc. Income 1.04 1.23 Gross Margin 0.99 0.62 Risk Cost 0.70 0.54 Net Margin 0.28 0.08

23 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Baroda Gujarat GB (Old) * State: Gujarat No. of Districts: No of Branches : No. of Staff : Sponsor Bank: Bank of Baroda LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 2,3 04.68 Cash in Hand 1,0 58.69 Reserves 13 ,460.58 Balances with RBI 15 ,460.29 Balances in Current A/c 5,9 93.01 Deposits 3,8 6,619.54 Balances in Deposit A/c 80 ,109.00 Current 7,9 59.53 Other Investments 1,3 7,501.60 Savings 1,7 5,678.57 Loans & Advances (Net) 1,8 7,192.69 Term 2,0 2,981.44 Fixed Assets 67 9.98 Borrowings 25 ,525.09 Other Assets 10 ,523.42 NABARD 25 ,483.56 Accumulated Losses - Sponsor Banks 36 .17 Others 5.3 6 Other Liabilities 10 ,608.79 TOTAL 4,3 8,518.68 TOTAL 4,3 8,518.68 EXPENDITURE INCOME Interest on Deposits 18 ,852.64 Interest on Advances 17 ,108.76 Interest on RBI/Inter Bk. Funds 1,6 66.11 Interest on Investments & Bank Balances 15 ,491.35 Interest on Others 13 .14 Commission 18 3.21 Wage Bill 10 ,308.47 Other Income 1,9 97.13 Other Operating Expenses 3,4 63.38 Provisions and Contingencies 32 8.12 Income over Expenditure 14 8.59 Exp. Over Income - TOTAL 34 ,780.45 TOTAL 34 ,780.45 KEY INDICATORS Per Branch Productivity 2,354.04 CD Ratio 49.78 Per Employee Productivity 599.48 Recovery (%) 81.29 CRAR (%) 9.68 Gross NPA (%) 5.40 Net NPA (%) 2.73 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1,9 2,475.12 Loan O/s -100.00 Fin. Return 7.77 Loans Disbursed 92 ,251.53 Deposits -100.00 Fin. Cost 4.89 Gross NPAs 10 ,397.39 Net Profit/Loss(-) -100.00 Fin. Margin 2.88 Net NPA 5,1 14.96 Salary 2.46 Average Working Fund 4,1 9,661.14 Other Opt. Exp. 0.83 Net Profit/Loss (-) 14 8.59 Misc. Income 0.52 Gross Margin 0.11 Risk Cost 0.08 Net Margin 0.04 *Dena Gujarat Gramin Bank sponsored by amalgamated with Baroda Gujarat Gramin Bank Sponsored by Bank of Baroda w.e.f 1 April 2019

24 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Baroda Gujarat GB (New) * State: Gujarat No. of Districts: 22 No of Branches : 489 No. of Staff : 1736 Sponsor Bank: Bank of Baroda LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 7,8 28.07 Cash in Hand 2,6 19.63 Reserves 33 ,873.60 Balances with RBI 52 ,137.89 Balances in Current A/c 15 ,302.03 Deposits 9,1 4,723.11 Balances in Deposit A/c 1,2 5,244.40 Current 16 ,888.98 Other Investments 3,4 8,277.67 Savings 4,1 5,217.84 Loans & Advances (Net) 4,5 9,393.83 Term 4,8 2,616.29 Fixed Assets 2,0 80.74 Borrowings 51 ,124.42 Other Assets 27 ,943.63 NABARD 47 ,110.50 Accumulated Losses - Sponsor Banks 3,3 11.47 Others 70 2.45 Other Liabilities 25 ,450.62 TOTAL 10 ,32,999.82 TOTAL 10 ,32,999.82 EXPENDITURE INCOME Interest on Deposits 43 ,984.11 Interest on Advances 40 ,539.10 Interest on RBI/Inter Bk. Funds 3,1 13.39 Interest on Investments & Bank Balances 34 ,820.00 Interest on Others 31 .84 Commission 43 8.09 Wage Bill 26 ,730.36 Other Income 7,2 90.70 Other Operating Expenses 7,4 72.47 Provisions and Contingencies 1,7 04.97 Income over Expenditure 50 .75 Exp. Over Income - TOTAL 83 ,087.89 TOTAL 83 ,087.89 KEY INDICATORS Per Branch Productivity 2,836.13 CD Ratio 51.62 Per Employee Productivity 798.89 Recovery (%) 83.77 CRAR (%) 9.87 Gross NPA (%) 6.25 Net NPA (%) 3.56 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 4,7 2,143.06 Loan O/s Fin. Return 7.51 Loans Disbursed 2,7 0,004.08 Deposits Fin. Cost 4.70 Gross NPAs 29 ,517.60 Net Profit/Loss(-) Fin. Margin 2.82 Net NPA 16 ,357.91 Salary 2.67 Average Working Fund 10 ,02,828.21 Other Opt. Exp. 0.75 Net Profit/Loss (-) 50 .75 Misc. Income 0.77 Gross Margin 0.18 Risk Cost 0.17 Net Margin 0.01 *Dena Gujarat Gramin Bank sponsored by Dena bank amalgamated with Baroda Gujarat Gramin Bank Sponsored by Bank of Baroda w.e.f 1 April 2019

25 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Dena Gujarat GB State: Gujarat No. of Districts: No of Branches : No. of Staff : Sponsor Bank: Dena Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 5,5 23.39 Cash in Hand 3,1 39.45 Reserves 20 ,362.28 Balances with RBI 18 ,135.51 Balances in Current A/c 2,2 09.21 Deposits 4,5 1,498.20 Balances in Deposit A/c 68 ,289.60 Current 6,1 40.01 Other Investments 1,5 7,313.67 Savings 2,1 0,324.35 Loans & Advances (Net) 2,4 8,689.78 Term 2,3 5,033.84 Fixed Assets 1,9 27.76 Borrowings 28 ,039.04 Other Assets 18 ,127.22 NABARD 26 ,637.21 Accumulated Losses - Sponsor Banks 0.9 5 Others 1,4 00.88 Other Liabilities 12 ,409.29 TOTAL 5,1 7,832.20 TOTAL 5,1 7,832.20 EXPENDITURE INCOME Interest on Deposits 22 ,478.76 Interest on Advances 21 ,217.60 Interest on RBI/Inter Bk. Funds 1,9 73.54 Interest on Investments & Bank Balances 15 ,263.87 Interest on Others - Commission 17 6.83 Wage Bill 9,0 78.63 Other Income 2,5 03.04 Other Operating Expenses 3,1 50.71 Provisions and Contingencies 2,3 05.79 Income over Expenditure 17 3.91 Exp. Over Income - TOTAL 39 ,161.34 TOTAL 39 ,161.34 KEY INDICATORS Per Branch Productivity 2,907.32 CD Ratio 56.47 Per Employee Productivity 815.80 Recovery (%) 86.87 CRAR (%) 10.42 Gross NPA (%) 7.97 Net NPA (%) 5.30 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2,5 4,981.58 Loan O/s Fin. Return 7.31 Loans Disbursed 1,9 7,591.38 Deposits Fin. Cost 4.90 Gross NPAs 20 ,316.66 Net Profit/Loss(-) Fin. Margin 2.41 Net NPA 13 ,192.78 Salary 1.82 Average Working Fund 4,9 8,894.51 Other Opt. Exp. 0.63 Net Profit/Loss (-) 17 3.91 Misc. Income 0.54 Gross Margin 0.50 Risk Cost 0.46 Net Margin 0.03 *Dena Gujarat Gramin Bank sponsored by Dena bank amalgamated with Baroda Gujarat Gramin Bank Sponsored by Bank of Baroda w.e.f 1 April 2019

26 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Saurashtra GB State: Gujarat No. of Districts: 11 No of Branches : 259 No. of Staff : 956 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 2, 453.43 2 ,453.43 Cash in Hand 1 ,794.33 2 ,950.82 Reserves 30 ,870.07 3 4,262.31 Balances with RBI 2 1,760.46 2 4,837.46 Balances in Current A/c 1 ,228.02 1 ,273.17 Deposits 5, 64,944.44 6 ,18,593.54 Balances in Deposit A/c 8 1,218.08 7 3,083.92 Current 28 ,997.16 7 ,876.73 Other Investments 1 ,36,475.58 1 ,28,957.59 Savings 2, 40,065.01 2 ,66,307.47 Loans & Advances (Net) 4 ,11,844.33 4 ,64,094.50 Term 2, 95,882.27 3 ,44,409.34 Fixed Assets 1 ,314.11 1 ,346.16 Borrowings 45 ,418.86 3 8,431.82 Other Assets 1 2,023.54 1 8,450.67 NABARD 38 ,182.65 3 2,151.75 Accumulated Losses - - Sponsor Banks 3, 371.20 1 2.83 Others 3, 865.01 6 ,267.24 Other Liabilities 23 ,971.65 2 1,253.19 TOTAL 6, 67,658.45 7 ,14,994.29 TOTAL 6 ,67,658.45 7 ,14,994.29 EXPENDITURE INCOME Interest on Deposits 26 ,740.94 3 0,152.19 Interest on Advances 4 0,810.81 4 3,671.06 Interest on RBI/Inter Bk. Funds 1, 909.18 2 ,157.83 Interest on Investments & Bank Balances 1 1,796.34 1 4,252.53 Interest on Others - - Commission 5 ,797.46 5 ,999.30 Wage Bill 7, 505.35 1 6,420.78 Other Income 3 52.76 7 56.85 Other Operating Expenses 4, 744.75 3 ,742.64 Provisions and Contingencies 14 ,802.39 8 ,814.05 Income over Expenditure 3, 054.76 3 ,392.25 Exp. Over Income - - TOTAL 58 ,757.37 6 4,679.74 TOTAL 5 8,757.37 6 4,679.74 KEY INDICATORS Per Branch Productivity 3,665.58 4,190.68 CD Ratio 73.24 75.46 Per Employee Productivity 1,051.25 1,135.34 Recovery (%) 90.86 91.01 CRAR (%) 10.70 10.27 Gross NPA (%) 0.97 1.56 Net NPA (%) 0.00 0.00 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 4, 13,765.15 4 ,66,791.84 Loan O/s 12.82 Fin. Return 8.69 8.50 Loans Disbursed 3, 31,338.94 3 ,66,484.90 Deposits 9.50 Fin. Cost 4.73 4.74 Gross NPAs 4, 014.56 7 ,273.89 Net Profit/Loss(-) 11.05 Fin. Margin 3.96 3.76 Net NPA - - Salary 1.24 2.41 Average Working Fund 6, 05,335.81 6 ,81,497.10 Other Opt. Exp. 0.78 0.55 Net Profit/Loss (-) 3, 054.76 3 ,392.25 Misc. Income 1.02 0.99 Gross Margin 2.95 1.79 Risk Cost 2.45 1.29 Net Margin 0.50 0.50

27 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Sarva Haryana GB State: Haryana No. of Districts: 22 No of Branches : 654 No. of Staff : 3121 Sponsor Bank: P.N.B. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 4, 627.56 4 ,627.56 Cash in Hand 5 ,648.35 6 ,557.94 Reserves 1, 57,686.47 1 ,57,984.37 Balances with RBI 5 8,409.52 5 5,456.09 Balances in Current A/c 3 ,696.81 2 ,093.96 Deposits 14 ,54,756.58 1 6,18,912.46 Balances in Deposit A/c 1 ,23,035.00 8 0,535.00 Current 21 ,940.26 1 3,028.37 Other Investments 6 ,24,482.55 7 ,68,740.14 Savings 7, 92,305.37 8 ,56,755.60 Loans & Advances (Net) 9 ,14,952.36 9 ,57,452.65 Term 6, 40,510.95 7 ,49,128.49 Fixed Assets 7 ,020.77 6 ,300.53 Borrowings 1, 60,906.70 1 ,45,022.89 Other Assets 5 7,349.16 6 1,762.32 NABARD 1, 17,767.32 9 2,843.21 Accumulated Losses - - Sponsor Banks 32 ,398.83 5 2,149.57 Others 10 ,740.55 3 0.11 Other Liabilities 16 ,617.21 1 2,351.35 TOTAL 17 ,94,594.52 1 9,38,898.63 TOTAL 1 7,94,594.52 1 9,38,898.63 EXPENDITURE INCOME Interest on Deposits 72 ,091.09 8 0,796.47 Interest on Advances 7 7,257.16 8 2,885.27 Interest on RBI/Inter Bk. Funds 5, 083.79 5 ,983.70 Interest on Investments & Bank Balances 5 2,932.29 6 0,851.51 Interest on Others - - Commission 7 01.33 6 09.96 Wage Bill 25 ,444.11 4 6,205.15 Other Income 1 1,903.76 1 4,745.44 Other Operating Expenses 10 ,725.85 1 2,602.48 Provisions and Contingencies 37 ,752.61 1 3,206.47 Income over Expenditure - 2 97.91 Exp. Over Income 8 ,302.91 - TOTAL 1, 51,097.45 1 ,59,092.18 TOTAL 1 ,51,097.45 1 ,59,092.18 KEY INDICATORS Per Branch Productivity 3,687.80 4,026.48 CD Ratio 65.79 62.66 Per Employee Productivity 752.99 843.74 Recovery (%) 67.50 63.98 CRAR (%) 14.93 13.63 Gross NPA (%) 12.72 11.57 Net NPA (%) 8.71 6.31 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 9, 57,065.49 1 0,14,403.00 Loan O/s 5.99 Fin. Return 7.54 7.58 Loans Disbursed 9, 44,416.42 9 ,36,929.42 Deposits 11.28 Fin. Cost 4.47 4.58 Gross NPAs 1, 21,768.02 1 ,17,339.94 Net Profit/Loss(-) -103.59 Fin. Margin 3.07 3.00 Net NPA 79 ,654.88 6 0,389.59 Salary 1.47 2.44 Average Working Fund 17 ,26,852.00 1 8,95,675.98 Other Opt. Exp. 0.62 0.66 Net Profit/Loss (-) -8,3 02.91 2 97.91 Misc. Income 0.73 0.81 Gross Margin 1.71 0.71 Risk Cost 2.19 0.70 Net Margin -0.48 0.02

28 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Himachal Pradesh GB State: Himachal Pradesh No. of Districts: 12 No of Branches : 265 No. of Staff : 867 Sponsor Bank: P.N.B. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1,5 43.62 1,5 43.62 Cash in Hand 1,8 40.46 2,3 96.35 Reserves 12 ,191.00 12 ,333.30 Balances with RBI 20 ,075.84 22 ,805.80 Balances in Current A/c 82 1.25 6,9 94.65 Deposits 5,0 9,792.28 5,8 1,113.31 Balances in Deposit A/c 1,5 4,742.68 81 ,603.38 Current 9,0 36.62 11 ,714.72 Other Investments 1,9 6,501.39 3,1 1,304.16 Savings 2,0 0,825.74 2,2 5,585.64 Loans & Advances (Net) 1,7 7,199.67 2,0 4,881.46 Term 2,9 9,929.92 3,4 3,812.95 Fixed Assets 1,0 74.12 95 8.02 Borrowings 39 ,305.69 42 ,235.10 Other Assets 17 ,137.45 14 ,430.93 NABARD 28 ,253.57 31 ,325.86 Accumulated Losses - - Sponsor Banks 10 ,652.52 9,3 34.24 Others 39 9.60 1,5 75.00 Other Liabilities 6,5 60.27 8,1 49.42 TOTAL 5,6 9,392.86 6,4 5,374.75 TOTAL 5,6 9,392.86 6,4 5,374.75 EXPENDITURE INCOME Interest on Deposits 26 ,027.81 28 ,944.16 Interest on Advances 15 ,379.31 18 ,632.22 Interest on RBI/Inter Bk. Funds 1,9 50.21 1,6 52.00 Interest on Investments & Bank Balances 25 ,889.05 30 ,208.90 Interest on Others - 16 0.27 Commission 11 4.89 1,2 93.10 Wage Bill 6,9 85.17 14 ,002.25 Other Income 1,4 71.01 1,0 37.36 Other Operating Expenses 2,8 14.84 5,1 62.28 Provisions and Contingencies 4,5 58.17 1,1 71.75 Income over Expenditure 51 8.06 78 .87 Exp. Over Income - - TOTAL 42 ,854.26 51 ,171.58 TOTAL 42 ,854.26 51 ,171.58 KEY INDICATORS Per Branch Productivity 2,620.31 2,990.88 CD Ratio 36.21 36.39 Per Employee Productivity 756.41 914.17 Recovery (%) 86.32 88.75 CRAR (%) 10.08 9.04 Gross NPA (%) 6.92 5.77 Net NPA (%) 3.04 2.74 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1,8 4,589.84 2,1 1,469.24 Loan O/s 14.56 Fin. Return 7.74 8.21 Loans Disbursed 1,3 6,307.01 1,9 3,159.43 Deposits 13.99 Fin. Cost 5.25 5.17 Gross NPAs 12 ,776.24 12 ,196.43 Net Profit/Loss(-) -84.78 Fin. Margin 2.49 3.04 Net NPA 5,3 86.07 5,6 08.10 Salary 1.31 2.35 Average Working Fund 5,3 2,946.87 5,9 5,191.17 Other Opt. Exp. 0.53 0.87 Net Profit/Loss (-) 51 8.06 78 .87 Misc. Income 0.30 0.39 Gross Margin 0.95 0.21 Risk Cost 0.86 0.20 Net Margin 0.10 0.01

29 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: J&K Grameen Bank State: Jammu & Kashmir No. of Districts:* 13 No of Branches : 217 No. of Staff : 1051 Sponsor Bank: J&K Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 9, 716.30 9, 716.30 Cash in Hand 80 7.27 1, 038.28 Reserves 7, 991.64 7, 991.64 Balances with RBI 14 ,601.88 16 ,136.88 Balances in Current A/c 47 .69 90 7.58 Deposits 3, 82,372.39 4, 10,690.68 Balances in Deposit A/c 1, 47,277.47 1, 29,433.41 Current 13 ,535.27 12 ,356.24 Other Investments 75 ,419.61 83 ,472.27 Savings 1, 89,564.26 1, 97,854.09 Loans & Advances (Net) 1, 80,393.31 2, 09,829.59 Term 1, 79,272.86 2, 00,480.35 Fixed Assets 1, 472.15 1, 632.37 Borrowings 25 ,063.21 16 ,939.70 Other Assets 9, 436.86 12 ,084.47 NABARD 23 ,896.44 15 ,772.93 Accumulated Losses - 11 ,933.88 Sponsor Banks - - Others 1, 166.77 1, 166.77 Other Liabilities 4, 312.70 21 ,130.41 TOTAL 4, 29,456.24 4, 66,468.73 TOTAL 4, 29,456.24 4, 66,468.73 EXPENDITURE INCOME Interest on Deposits 18 ,180.58 19 ,852.78 Interest on Advances 17 ,413.72 19 ,836.92 Interest on RBI/Inter Bk. Funds 1, 655.90 - Interest on Investments & Bank Balances 15 ,685.27 17 ,095.45 Interest on Others - 1, 647.68 Commission 26 3.03 24 2.49 Wage Bill 8, 335.69 25 ,977.40 Other Income 88 5.12 78 4.51 Other Operating Expenses 3, 105.67 3, 062.74 Provisions and Contingencies 2, 163.29 -64 7.35 Income over Expenditure 80 6.01 - Exp. Over Income - 11, 933.88 TOTAL 34 ,247.14 49 ,893.25 TOTAL 34 ,247.14 49 ,893.25 KEY INDICATORS Per Branch Productivity 2,634.52 2,907.89 CD Ratio 49.51 53.65 Per Employee Productivity 561.03 600.39 Recovery (%) 66.59 73.90 CRAR (%) 9.41 1.80 Gross NPA (%) 9.47 9.11 Net NPA (%) 4.99 4.57 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1, 89,318.88 2, 20,321.74 Loan O/s 16.38 Fin. Return 8.26 8.30 Loans Disbursed 91 ,896.60 1, 30,444.96 Deposits 7.41 Fin. Cost 4.95 4.83 Gross NPAs 17 ,931.25 20 ,074.73 Net Profit/Loss(-) -1581 Fin. Margin 3.31 3.47 Net NPA 9, 005.68 9, 582.58 Salary 2.08 5.84 Average Working Fund 4, 00,895.78 4, 45,037.38 Other Opt. Exp. 0.77 0.69 Net Profit/Loss (-) 80 6.01 -11 ,933.88 Misc. Income 0.29 0.23 Gross Margin 0.74 -2.83 Risk Cost 0.54 -0.15 Net Margin 0.20 -2.68 *J & K Grameen Bank has 2 branches in Union Territory of Ladakh

30 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Jharkhand GB* State: Jharkhand No. of Districts: No of Branches : No. of Staff : Sponsor Bank: B.O.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 11 ,267.16 Cash in Hand 1 ,096.94 Reserves 5, 616.79 Balances with RBI 1 4,013.36 Balances in Current A/c 4 ,660.62 Deposits 3, 51,832.25 Balances in Deposit A/c 2 9,814.88 Current 4, 832.52 Other Investments 2 ,14,945.17 Savings 2, 08,504.89 Loans & Advances (Net) 1 ,06,015.12 Term 1, 38,494.84 Fixed Assets 4 71.04 Borrowings 4, 570.13 Other Assets 1 1,618.50 NABARD 4, 099.80 Accumulated Losses - Sponsor Banks - Others 47 0.33 Other Liabilities 9, 349.30 TOTAL 3, 82,635.63 TOTAL 3 ,82,635.63 EXPENDITURE INCOME Interest on Deposits 16 ,440.02 Interest on Advances 1 1,979.16 Interest on RBI/Inter Bk. Funds 23 6.59 Interest on Investments & Bank Balances 1 8,548.28 Interest on Others - Commission 2 24.31 Wage Bill 6, 424.42 Other Income 1 ,870.23 Other Operating Expenses 2, 373.76 Provisions and Contingencies 5, 754.39 Income over Expenditure 1, 392.80 Exp. Over Income - TOTAL 32 ,621.98 TOTAL 3 2,621.98 KEY INDICATORS Per Branch Productivity 1,946.85 CD Ratio 32.25 Per Employee Productivity 570.92 Recovery (%) 63.12 CRAR (%) 12.51 Gross NPA (%) 11.12 Net NPA (%) 4.15 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1, 13,465.97 Loan O/s Fin. Return 8.01 Loans Disbursed 44 ,685.33 Deposits Fin. Cost 4.37 Gross NPAs 12 ,616.89 Net Profit/Loss(-) Fin. Margin 3.63 Net NPA 4, 398.00 Salary 1.69 Average Working Fund 3, 81,252.00 Other Opt. Exp. 0.62 Net Profit/Loss (-) 1, 392.80 Misc. Income 0.55 Gross Margin 1.87 Risk Cost 1.51 Net Margin 0.37

31 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Vananchal GB * State: Jharkhand No. of Districts: No of Branches : No. of Staff : Sponsor Bank: S.B.I LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 13 ,499.93 Cash in Hand 2 ,590.45 Reserves 2, 048.50 Balances with RBI 1 5,013.52 Balances in Current A/c 8 68.93 Deposits 3, 55,040.10 Balances in Deposit A/c - Current 5, 889.83 Other Investments 2 ,24,638.86 Savings 2, 31,986.72 Loans & Advances (Net) 1 ,48,671.87 Term 1, 17,163.55 Fixed Assets 6 55.03 Borrowings 6, 086.81 Other Assets 9 ,049.87 NABARD 5, 331.07 Accumulated Losses - Sponsor Banks 34 1.40 Others 41 4.34 Other Liabilities 24 ,813.19 TOTAL 4, 01,488.53 TOTAL 4 ,01,488.53 EXPENDITURE INCOME Interest on Deposits 17 ,593.29 Interest on Advances 1 0,078.24 Interest on RBI/Inter Bk. Funds 38 2.17 Interest on Investments & Bank Balances 1 6,366.49 Interest on Others - Commission 2 ,758.31 Wage Bill 5, 797.77 Other Income 2 ,951.81 Other Operating Expenses 2, 613.27 Provisions and Contingencies 4, 686.52 Income over Expenditure 1, 081.83 Exp. Over Income - TOTAL 32 ,154.85 TOTAL 3 2,154.85 KEY INDICATORS Per Branch Productivity 2,529.84 CD Ratio 45.36 Per Employee Productivity 595.94 Recovery (%) 60.87 CRAR (%) 11.26 Gross NPA (%) 10.55 Net NPA (%) 3.10 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1, 61,046.25 Loan O/s Fin. Return 5.40 Loans Disbursed 63 ,984.52 Deposits Fin. Cost 3.67 Gross NPAs 16 ,994.01 Net Profit/Loss(-) Fin. Margin 1.73 Net NPA 4, 614.84 Salary 1.18 Average Working Fund 4, 89,749.07 Other Opt. Exp. 0.53 Net Profit/Loss (-) 1, 081.83 Misc. Income 1.17 Gross Margin 1.18 Risk Cost 0.96 Net Margin 0.22 * Floating Provisions for Standard Assets of Vananchal Gramin Bank (Rs. 13.56 Crore) was inadventantly shown as a part of Share Capital as on 31 March 2019. The same has been included in Other Liabilities in this edition of Publication. Jharkhand Gramin bank and Vananchal Gramin Bank were amalgamated to form Jharkhand Rajya Gramin Bank w.e.f 1 April 2019 32 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Jharkhand Rajya GB * State: Jharkhand No. of Districts: 24 No of Branches : 443 No. of Staff : 1675 Sponsor Bank: S.B.I LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 2 4,767.09 Cash in Hand 3 ,114.82 Reserves 1 1,832.11 Balances with RBI 3 0,802.88 Balances in Current A/c 4 ,020.12 Deposits 7 ,58,814.58 Balances in Deposit A/c 1 ,27,347.95 Current 1 3,237.43 Other Investments 3 ,63,688.85 Savings 4 ,91,445.10 Loans & Advances (Net) 2 ,86,271.99 Term 2 ,54,132.05 Fixed Assets 1 ,090.04 Borrowings 1 2,713.67 Other Assets 4 0,465.93 NABARD 1 1,500.12 Accumulated Losses - Sponsor Banks 5 8.17 Others 1 ,155.38 Other Liabilities 4 8,675.13 TOTAL 8 ,56,802.58 TOTAL 8 ,56,802.58 EXPENDITURE INCOME Interest on Deposits 3 3,842.48 Interest on Advances 2 6,335.60 Interest on RBI/Inter Bk. Funds 8 50.34 Interest on Investments & Bank Balances 3 0,954.18 Interest on Others 2 9.90 Commission 1 ,346.00 Wage Bill 1 2,610.46 Other Income 1 7,747.87 Other Operating Expenses 5 ,050.29 Provisions and Contingencies 1 9,833.39 Income over Expenditure 4 ,166.79 Exp. Over Income - TOTAL 7 6,383.65 TOTAL 7 6,383.65 KEY INDICATORS Per Branch Productivity 2,399.24 CD Ratio 40.07 Per Employee Productivity 634.55 Recovery (%) 62.34 CRAR (%) 11.33 Gross NPA (%) 9.05 Net NPA (%) 3.38 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 3 ,04,050.24 Loan O/s Fin. Return 7.00 Loans Disbursed 2 ,57,831.10 Deposits Fin. Cost 4.24 Gross NPAs 2 7,528.15 Net Profit/Loss(-) Fin. Margin 2.76 Net NPA 9 ,686.00 Salary 1.54 Average Working Fund 8 ,18,148.00 Other Opt. Exp. 0.62 Net Profit/Loss (-) 4 ,166.79 Misc. Income 2.33 Gross Margin 2.93 Risk Cost 2.42 Net Margin 0.51 *Jharkhand Gramin bank and Vananchal Gramin Bank were amalgamated to form Jharkhand Rajya Gramin Bank w.e.f 1 April 2019

33 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Kaveri GB State: Karnataka No. of Districts: No of Branches : No. of Staff : Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 5,3 97.26 Cash in Hand 3,6 72.89 Reserves 53 ,807.58 Balances with RBI 40 ,196.75 Balances in Current A/c 60 ,633.04 Deposits 9,5 1,771.14 Balances in Deposit A/c 25 .60 Current 14 ,773.15 Other Investments 3,4 8,516.54 Savings 2,9 2,512.96 Loans & Advances (Net) 6,1 9,231.81 Term 6,4 4,485.03 Fixed Assets 2,1 31.02 Borrowings 61 ,294.94 Other Assets 24 ,492.34 NABARD 61 ,294.94 Accumulated Losses - Sponsor Banks - Others - Other Liabilities 26 ,629.07 TOTAL 10 ,98,899.99 TOTAL 10 ,98,899.99 EXPENDITURE INCOME Interest on Deposits 55 ,610.16 Interest on Advances 68 ,596.57 Interest on RBI/Inter Bk. Funds 3,8 61.09 Interest on Investments & Bank Balances 26 ,159.70 Interest on Others - Commission 4,4 11.80 Wage Bill 15 ,862.98 Other Income 4,7 63.52 Other Operating Expenses 7,0 56.73 Provisions and Contingencies 17 ,833.89 Income over Expenditure 3,7 06.74 Exp. Over Income - TOTAL 1,0 3,931.59 TOTAL 1,0 3,931.59 KEY INDICATORS Per Branch Productivity 3,153.07 CD Ratio 67.63 Per Employee Productivity 807.42 Recovery (%) 75.08 CRAR (%) 11.01 Gross NPA (%) 7.72 Net NPA (%) 4.08 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 6,4 3,684.78 Loan O/s Fin. Return 9.10 Loans Disbursed 3,5 1,334.60 Deposits Fin. Cost 5.71 Gross NPAs 49 ,711.29 Net Profit/Loss(-) Fin. Margin 3.39 Net NPA 25 ,258.32 Salary 1.52 Average Working Fund 10 ,41,256.51 Other Opt. Exp. 0.68 Net Profit/Loss (-) 3,7 06.74 Misc. Income 0.88 Gross Margin 2.07 Risk Cost 1.71 Net Margin 0.36 *Kaveri GB ( SBI) and Pragathi Krishna GB (Canara Bank) were amalgamated to form Karnataka Gramin Bank (Canara Bank) w.e.f 1 April 2019

34 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Pragathi Krisha GB State: Karnataka No. of Districts: No of Branches : No. of Staff : Sponsor Bank: Canara Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 6, 366.56 Cash in Hand 2 2,732.92 Reserves 1, 38,260.07 Balances with RBI 6 4,528.51 Balances in Current A/c 1 4,789.01 Deposits 15 ,91,721.93 Balances in Deposit A/c 1 ,51,225.00 Current 60 ,817.50 Other Investments 3 ,52,998.09 Savings 5, 73,784.81 Loans & Advances (Net) 1 4,20,988.09 Term 9, 57,119.62 Fixed Assets 5 ,708.67 Borrowings 2, 55,630.25 Other Assets 7 9,038.10 NABARD 2, 51,630.23 Accumulated Losses - Sponsor Banks 4, 000.02 Others - Other Liabilities 1, 20,029.58 TOTAL 21 ,12,008.39 TOTAL 2 1,12,008.39 EXPENDITURE INCOME Interest on Deposits 90 ,743.48 Interest on Advances 1 ,61,237.31 Interest on RBI/Inter Bk. Funds 19 ,387.20 Interest on Investments & Bank Balances 3 3,646.99 Interest on Others - Commission 1 81.68 Wage Bill 29 ,659.11 Other Income 1 3,600.24 Other Operating Expenses 48 ,937.30 Provisions and Contingencies 12 ,454.92 Income over Expenditure 7, 484.21 Exp. Over Income - TOTAL 2, 08,666.22 TOTAL 2 ,08,666.22 KEY INDICATORS Per Branch Productivity 4,616.21 CD Ratio 91.70 Per Employee Productivity 900.36 Recovery (%) 65.74 CRAR (%) 11.94 Gross NPA (%) 4.37 Net NPA (%) 1.78 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 14 ,59,592.74 Loan O/s Fin. Return 9.23 Loans Disbursed 4, 83,770.38 Deposits Fin. Cost 5.21 Gross NPAs 63 ,844.90 Net Profit/Loss(-) Fin. Margin 4.01 Net NPA 25 ,240.25 Salary 1.40 Average Working Fund 21 ,12,291.21 Other Opt. Exp. 2.32 Net Profit/Loss (-) 7, 484.21 Misc. Income 0.65 Gross Margin 0.94 Risk Cost 0.59 Net Margin 0.35 *Kaveri GB ( SBI) and Pragathi Krishna GB (Canara Bank) were amalgamated to form Karnataka Gramin Bank (Canara Bank) w.e.f 1 April 2019

35 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Karnataka GB * State: Karnataka No. of Districts: 21 No of Branches : 1142 No. of Staff : 5109 Sponsor Bank: Canara Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 11 ,763.82 Cash in Hand 2 1,953.28 Reserves 1 ,93,928.69 Balances with RBI 7 3,975.54 Balances in Current A/c 1 1,009.50 Deposits 2 8,43,539.32 Balances in Deposit A/c 4 ,65,497.70 Current 8 8,726.54 Other Investments 8 ,11,535.85 Savings 9 ,54,628.93 Loans & Advances (Net) 2 0,55,815.43 Term 1 8,00,183.85 Fixed Assets 8 ,421.52 Borrowings 3 ,67,036.28 Other Assets 8 9,392.30 NABARD 3 ,63,583.26 Accumulated Losses - Sponsor Banks - Others 3 ,453.02 Other Liabilities 1 ,21,333.01 TOTAL 3 5,37,601.12 TOTAL 3 5,37,601.12 EXPENDITURE INCOME Interest on Deposits 1 ,51,361.93 Interest on Advances 2 ,21,429.33 Interest on RBI/Inter Bk. Funds 1 7,154.80 Interest on Investments & Bank Balances 6 5,942.14 Interest on Others 1 ,301.29 Commission 1 70.78 Wage Bill 5 3,264.06 Other Income 3 5,795.53 Other Operating Expenses 3 1,513.96 Provisions and Contingencies 6 6,880.69 Income over Expenditure 1 ,861.05 Exp. Over Income - TOTAL 3 ,23,337.78 TOTAL 3 ,23,337.78 KEY INDICATORS Per Branch Productivity 4,371.30 CD Ratio 75.56 Per Employee Productivity 977.10 Recovery (%) 78.22 CRAR (%) 12.38 Gross NPA (%) 9.89 Net NPA (%) 5.83 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2 1,48,480.55 Loan O/s Fin. Return 8.48 Loans Disbursed 8 ,95,958.39 Deposits Fin. Cost 5.01 Gross NPAs 2 ,12,462.13 Net Profit/Loss(-) Fin. Margin 3.47 Net NPA 1 ,19,797.02 Salary 1.57 Average Working Fund 3 3,90,469.40 Other Opt. Exp. 0.93 Net Profit/Loss (-) 1 ,861.05 Misc. Income 1.06 Gross Margin 2.03 Risk Cost 1.97 Net Margin 0.05 *Kaveri GB ( SBI) and Pragathi Krishna GB (Canara Bank) were amalgamated to form Karnataka Gramin Bank (Canara Bank) w.e.f 1 April 2019

36 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Karnataka Vikas GB State: Karnataka No. of Districts: 9 No of Branches : 633 No. of Staff : 3502 Sponsor Bank: Syndicate Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 2019-20 Share Capital 2,3 97.32 2,3 97.32 Cash in Hand 4,4 81.24 5,4 96.97 Reserves 1,7 1,951.73 1,1 1,455.44 Balances with RBI 80 ,118.23 55 ,947.24 Balances in Current A/c 1,4 92.62 58 ,958.82 Deposits 13 ,89,488.48 15 ,17,849.34 Balances in Deposit A/c 3,0 9,525.00 4,1 1,525.00 Current 24 ,059.09 24 ,628.83 Other Investments 2,9 0,565.78 3,1 8,233.08 Savings 5,0 5,896.97 5,9 0,485.49 Loans & Advances (Net) 10 ,95,090.31 10 ,33,329.45 Term 8,5 9,532.42 9,0 2,735.02 Fixed Assets 2,0 18.52 1,8 39.92 Borrowings 1,7 4,683.01 2,5 6,383.49 Other Assets 58 ,569.33 81 ,949.93 NABARD 1,5 8,389.33 1,6 1,667.94 Accumulated Losses - - Sponsor Banks 2,2 19.35 81 ,397.82 Others 14 ,074.33 13 ,317.73 Other Liabilities 1,0 3,340.49 79 ,194.82 TOTAL 18 ,41,861.03 19 ,67,280.41 TOTAL 18 ,41,861.03 19 ,67,280.41 EXPENDITURE INCOME Interest on Deposits 74 ,657.98 79 ,664.32 Interest on Advances 96 ,865.02 81 ,908.37 Interest on RBI/Inter Bk. Funds 13 ,483.03 10 ,010.41 Interest on Investments & Bank Balances 41 ,790.63 49 ,248.59 Interest on Others - - Commission 86 9.94 95 0.69 Wage Bill 32 ,994.22 66 ,501.94 Other Income 11 ,677.68 17 ,176.21 Other Operating Expenses 12 ,311.81 11 ,097.51 Provisions and Contingencies 12 ,744.52 42 ,505.97 Income over Expenditure 5,0 11.71 - Exp. Over Income - 60 ,496.29 TOTAL 1,5 1,203.27 2,0 9,780.15 TOTAL 1,5 1,203.27 2,0 9,780.15 KEY INDICATORS Per Branch Productivity 3,971.29 4,149.89 CD Ratio 81.77 73.07 Per Employee Productivity 716.52 750.11 Recovery (%) 68.40 65.30 CRAR (%) 15.44 10.69 Gross NPA (%) 9.87 14.54 Net NPA (%) 6.48 7.90 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 11 ,36,251.14 11 ,09,031.95 Loan O/s -2.40 Fin. Return 7.94 7.03 Loans Disbursed 4,2 5,839.00 5,8 0,843.60 Deposits 9.24 Fin. Cost 5.05 4.80 Gross NPAs 1,1 2,151.42 1,6 1,296.88 Net Profit/Loss(-) ###### Fin. Margin 2.89 2.22 Net NPA 70 ,990.43 81 ,680.00 Salary 1.89 3.56 Average Working Fund 17 ,45,526.00 18 ,66,767.00 Other Opt. Exp. 0.71 0.59 Net Profit/Loss (-) 5,0 11.71 -60,4 96.29 Misc. Income 0.72 0.97 Gross Margin 1.02 -0.96 Risk Cost 0.73 2.28 Net Margin 0.29 -3.24

37 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Kerala GB State: Kerala No. of Districts: 14 No of Branches : 634 No. of Staff : 3519 Sponsor Bank: Canara Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 2019-20 Share Capital 84 1.43 84 1.43 Cash in Hand 15 ,300.25 15 ,139.38 Reserves 78 ,595.39 79 ,033.33 Balances with RBI 60 ,088.65 47 ,182.30 Balances in Current A/c 17 4.28 27 6.09 Deposits 16 ,87,966.18 19 ,25,356.07 Balances in Deposit A/c 20 ,034.24 1,1 3,154.38 Current 27 ,597.74 19 ,496.29 Other Investments 3,6 4,157.92 3,6 3,455.90 Savings 6,1 3,485.99 6,5 2,889.30 Loans & Advances (Net) 15 ,31,957.20 16 ,45,128.38 Term 10 ,46,882.45 12 ,52,970.48 Fixed Assets 10 ,003.71 9,2 10.50 Borrowings 2,7 7,832.66 2,6 8,218.77 Other Assets 95 ,960.62 1,1 5,953.77 NABARD 2,2 0,630.09 2,1 2,804.48 Accumulated Losses - 5,5 70.24 Sponsor Banks 2,2 71.28 41 8.60 Others 54 ,931.29 54 ,995.69 Other Liabilities 52 ,441.21 41 ,621.34 TOTAL 20 ,97,676.87 23 ,15,070.94 TOTAL 20 ,97,676.87 23 ,15,070.94 EXPENDITURE INCOME Interest on Deposits 96 ,070.04 1,0 7,599.48 Interest on Advances 1,5 4,964.65 1,5 9,806.24 Interest on RBI/Inter Bk. Funds 27 ,568.28 16 ,168.59 Interest on Investments & Bank Balances 32 ,526.11 30 ,030.38 Interest on Others 10 ,047.92 12 ,479.84 Commission 13 ,011.65 17 ,807.07 Wage Bill 43 ,637.40 56 ,596.11 Other Income 2,1 12.50 6,6 86.50 Other Operating Expenses 14 ,440.22 17 ,097.58 Provisions and Contingencies 10 ,672.05 9,4 89.65 Income over Expenditure 17 9.00 - Exp. Over Income - 5,1 01.06 TOTAL 2,0 2,614.91 2,1 9,431.25 TOTAL 2,0 2,614.91 2,1 9,431.25 KEY INDICATORS Per Branch Productivity 5,492.00 5,863.31 CD Ratio 105.95 93.07 Per Employee Productivity 955.06 1,056.36 Recovery (%) 96.14 95.70 CRAR (%) 9.68 7.18 Gross NPA (%) 3.36 4.30 Net NPA (%) 2.24 2.51 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 17 ,88,470.28 17 ,91,981.15 Loan O/s 0.20 Fin. Return 8.14 7.90 Loans Disbursed 18 ,21,604.57 17 ,68,049.01 Deposits 14.06 Fin. Cost 5.81 5.67 Gross NPAs 60 ,114.59 77 ,107.74 Net Profit/Loss(-) -2950 Fin. Margin 2.34 2.23 Net NPA 34 ,365.00 41 ,254.96 Salary 1.90 2.36 Average Working Fund 23 ,02,506.53 24 ,02,886.22 Other Opt. Exp. 0.63 0.71 Net Profit/Loss (-) 17 9.00 -5,10 1.06 Misc. Income 0.66 1.02 Gross Margin 0.47 0.18 Risk Cost 0.46 0.39 Net Margin 0.01 -0.21

38 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Central MP GB* State: Madhya Pradesh No. of Districts: No of Branches : No. of Staff : Sponsor Bank: Central BoI LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 24 ,639.27 Cash in Hand 1, 302.05 Reserves 8, 991.94 Balances with RBI 28 ,622.68 Balances in Current A/c 1, 552.10 Deposits 7, 13,135.25 Balances in Deposit A/c 1, 81,934.09 Current 18 ,105.11 Other Investments 1, 43,273.44 Savings 3, 21,593.19 Loans & Advances (Net) 3, 82,060.22 Term 3, 73,436.95 Fixed Assets 1, 925.51 Borrowings 20 ,540.97 Other Assets 30 ,064.59 NABARD 19 ,569.93 Accumulated Losses 20 ,914.52 Sponsor Banks 62 2.00 Others 34 9.04 Other Liabilities 24 ,341.77 TOTAL 7, 91,649.20 TOTAL 7, 91,649.20 EXPENDITURE INCOME Interest on Deposits 37 ,330.56 Interest on Advances 29 ,024.50 Interest on RBI/Inter Bk. Funds 1, 211.00 Interest on Investments & Bank Balances 24 ,640.80 Interest on Others - Commission 33 8.19 Wage Bill 20 ,564.10 Other Income 3, 385.37 Other Operating Expenses 6, 595.93 Provisions and Contingencies 12 ,601.79 Income over Expenditure - Exp. Over Income 20 ,914.52 TOTAL 78 ,303.38 TOTAL 78 ,303.38 KEY INDICATORS Per Branch Productivity 2,496.75 CD Ratio 59.65 Per Employee Productivity 771.88 Recovery (%) 71.04 CRAR (%) 3.63 Gross NPA (%) 33.11 Net NPA (%) 27.09 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 4, 25,382.75 Loan O/s Fin. Return 6.67 Loans Disbursed 1, 85,571.49 Deposits Fin. Cost 4.79 Gross NPAs 1, 40,844.24 Net Profit/Loss(-) Fin. Margin 1.88 Net NPA 1, 03,484.99 Salary 2.56 Average Working Fund 8, 04,398.32 Other Opt. Exp. 0.82 Net Profit/Loss (-) -20 ,914.52 Misc. Income 0.46 Gross Margin -1.03 Risk Cost 1.57 Net Margin -2.60 * Central Madhya Pradesh GB (CBI) amalgamated with Narmada Jhabua GB (BoI) to form Madhya Pradesh GB (BoI) w.e.f 1 April 2019

39 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Narmada Jhabua GB State: Madhya Pradesh No. of Districts: No of Branches : No. of Staff : Sponsor Bank: B.O.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 11 ,625.11 Cash in Hand 3 ,618.13 Reserves 45 ,202.34 Balances with RBI 2 9,002.47 Balances in Current A/c 3 4,189.19 Deposits 6, 85,444.21 Balances in Deposit A/c 1 ,19,416.19 Current 18 ,488.36 Other Investments 1 ,80,783.08 Savings 2, 85,888.07 Loans & Advances (Net) 5 ,05,214.00 Term 3, 81,067.78 Fixed Assets 3 ,538.24 Borrowings 1, 36,928.51 Other Assets 2 9,341.72 NABARD 56 ,944.40 Accumulated Losses - Sponsor Banks 40 ,059.15 Others 39 ,924.96 Other Liabilities 25 ,902.85 TOTAL 9, 05,103.02 TOTAL 9 ,05,103.02 EXPENDITURE INCOME Interest on Deposits 34 ,062.51 Interest on Advances 4 2,210.10 Interest on RBI/Inter Bk. Funds 2, 655.81 Interest on Investments & Bank Balances 2 3,522.83 Interest on Others 5, 972.21 Commission 2 ,160.04 Wage Bill 20 ,994.92 Other Income 4 ,177.68 Other Operating Expenses 5, 457.77 Provisions and Contingencies 9, 533.30 Income over Expenditure - Exp. Over Income 6 ,605.87 TOTAL 78 ,676.52 TOTAL 7 8,676.52 KEY INDICATORS Per Branch Productivity 2,947.65 CD Ratio 76.31 Per Employee Productivity 720.22 Recovery (%) 76.24 CRAR (%) 11.42 Gross NPA (%) 12.69 Net NPA (%) 9.60 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 5, 23,090.25 Loan O/s Fin. Return 7.34 Loans Disbursed 3, 60,800.91 Deposits Fin. Cost 4.77 Gross NPAs 66 ,354.42 Net Profit/Loss(-) Fin. Margin 2.57 Net NPA 48 ,478.15 Salary 2.35 Average Working Fund 8, 95,055.75 Other Opt. Exp. 0.61 Net Profit/Loss (-) -6,6 05.87 Misc. Income 0.71 Gross Margin 0.33 Risk Cost 1.07 Net Margin -0.74

40 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Madhya Pradesh GB * State: Madhya Pradesh No. of Districts: 39 No of Branches : 866 No. of Staff : 3420 Sponsor Bank: B.O.I LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 3 9,885.38 Cash in Hand 7 ,429.61 Reserves 6 0,800.15 Balances with RBI 6 1,181.69 Balances in Current A/c 3 6,467.70 Deposits 1 5,04,749.36 Balances in Deposit A/c 2 ,05,061.70 Current 4 3,186.69 Other Investments 3 ,82,507.36 Savings 6 ,33,890.95 Loans & Advances (Net) 9 ,25,232.51 Term 8 ,27,671.72 Fixed Assets 4 ,744.74 Borrowings 7 7,183.36 Other Assets 4 3,057.78 NABARD 1 9,668.09 Accumulated Losses 6 5,635.43 Sponsor Banks 2 2,638.66 Others 3 4,876.61 Other Liabilities 4 8,700.27 TOTAL 1 7,31,318.52 TOTAL 1 7,31,318.52 EXPENDITURE INCOME Interest on Deposits 7 6,021.53 Interest on Advances 7 0,618.57 Interest on RBI/Inter Bk. Funds 4 ,218.83 Interest on Investments & Bank Balances 4 7,420.12 Interest on Others 1 ,807.40 Commission 5 ,312.46 Wage Bill 6 2,308.63 Other Income 7 ,485.05 Other Operating Expenses 1 0,660.90 Provisions and Contingencies 1 3,933.96 Income over Expenditure - Exp. Over Income 3 8,115.05 TOTAL 1 ,68,951.25 TOTAL 1 ,68,951.25 KEY INDICATORS Per Branch Productivity 2,887.12 CD Ratio 66.16 Per Employee Productivity 731.07 Recovery (%) 68.86 CRAR (%) 4.02 Gross NPA (%) 20.37 Net NPA (%) 14.32 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 9 ,95,500.82 Loan O/s Fin. Return 6.52 Loans Disbursed 4 ,96,943.75 Deposits Fin. Cost 4.53 Gross NPAs 2 ,02,804.95 Net Profit/Loss(-) Fin. Margin 1.99 Net NPA 1 ,32,536.65 Salary 3.44 Average Working Fund 1 8,09,816.84 Other Opt. Exp. 0.59 Net Profit/Loss (-) -38 ,115.05 Misc. Income 0.71 Gross Margin -1.34 Risk Cost 0.77 Net Margin -2.11 * Central Madhya Pradesh GB (CBI) amalgamated with Narmada Jhabua GB (BoI) to form Madhya Pradesh GB (BoI) w.e.f 1 April 2019

41 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Madhyanchal GB State: Madhya Pradesh No. of Districts: 13 No of Branches : 454 No. of Staff : 1448 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 23 ,214.81 28 ,938.60 Cash in Hand 4, 867.97 5, 218.32 Reserves 4, 087.73 4, 150.08 Balances with RBI 30 ,967.13 33 ,541.82 Balances in Current A/c 97 2.10 1, 721.23 Deposits 7, 54,123.56 8, 17,192.45 Balances in Deposit A/c 78 ,675.56 66 ,091.65 Current 18 ,208.31 16 ,349.71 Other Investments 4, 40,516.98 5, 09,740.82 Savings 4, 37,653.74 4, 78,464.69 Loans & Advances (Net) 2, 10,932.91 2, 12,227.22 Term 2, 98,261.51 3, 22,378.05 Fixed Assets 84 0.67 1, 174.60 Borrowings 45 0.53 24 2.62 Other Assets 27 ,301.24 30 ,050.37 NABARD 29 3.63 57 .02 Accumulated Losses 16 ,976.43 54 ,798.25 Sponsor Banks 84 .64 14 2.16 Others 72 .26 43 .44 Other Liabilities 30 ,174.36 64 ,040.53 TOTAL 8, 12,050.99 9, 14,564.28 TOTAL 8, 12,050.99 9, 14,564.28 EXPENDITURE INCOME Interest on Deposits 35 ,341.57 37 ,539.37 Interest on Advances 12 ,460.93 16 ,954.78 Interest on RBI/Inter Bk. Funds 28 8.65 24 .57 Interest on Investments & Bank Balances 37 ,146.85 43 ,541.11 Interest on Others - - Commission 3, 036.17 3, 451.68 Wage Bill 11 ,515.74 53 ,469.48 Other Income 53 4.36 35 8.92 Other Operating Expenses 8, 862.95 5, 198.55 Provisions and Contingencies 8, 026.52 5, 896.34 Income over Expenditure - - Exp. Over Income 10 ,857.12 37 ,821.82 TOTAL 64 ,035.43 1, 02,128.31 TOTAL 64 ,035.43 1, 02,128.31 KEY INDICATORS Per Branch Productivity 2,182.84 2,329.06 CD Ratio 31.41 29.39 Per Employee Productivity 606.12 730.24 Recovery (%) 62.04 61.98 CRAR (%) 5.07 -10.03 Gross NPA (%) 27.65 32.31 Net NPA (%) 18.75 23.35 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2, 36,885.71 2, 40,200.11 Loan O/s 1.40 Fin. Return 6.24 7.19 Loans Disbursed 94 ,328.00 82 ,070.57 Deposits 8.36 Fin. Cost 4.48 4.46 Gross NPAs 65 ,497.01 77 ,599.17 Net Profit/Loss(-) -248.36 Fin. Margin 1.76 2.73 Net NPA 39 ,544.21 49 ,551.26 Salary 1.45 6.35 Average Working Fund 7, 95,074.56 8, 41,487.02 Other Opt. Exp. 1.11 0.62 Net Profit/Loss (-) -10 ,857.12 -37 ,821.82 Misc. Income 0.45 0.45 Gross Margin -0.36 -3.79 Risk Cost 1.01 0.70 Net Margin -1.37 -4.49

42 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Maharashtra GB State: Maharashtra No. of Districts: 17 No of Branches : 412 No. of Staff : 1742 Sponsor Bank: BoM LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 20 ,934.62 20 ,934.62 Cash in Hand 9,2 29.12 8,2 13.49 Reserves 24 ,546.81 27 ,266.03 Balances with RBI 49 ,054.01 37 ,968.57 Balances in Current A/c 12 ,187.68 20 ,637.06 Deposits 9,9 1,146.76 11 ,42,578.10 Balances in Deposit A/c 2,2 1,870.67 3,0 0,321.94 Current 47 ,488.92 43 ,522.28 Other Investments 3,9 4,278.36 3,7 1,376.79 Savings 4,8 3,547.37 5,8 3,341.83 Loans & Advances (Net) 4,4 4,190.02 4,8 5,525.90 Term 4,6 0,110.47 5,1 5,713.99 Fixed Assets 2,2 51.13 2,6 21.45 Borrowings 92 ,021.62 37 ,190.48 Other Assets 21 ,184.09 23 ,361.20 NABARD 36 ,397.39 32 ,313.05 Accumulated Losses - - Sponsor Banks - - Others 55 ,624.23 4,8 77.43 Other Liabilities 25 ,595.27 22 ,057.17 TOTAL 11,5 4,245.08 12 ,50,026.40 TOTAL 11,5 4,245.08 12 ,50,026.40 EXPENDITURE INCOME Interest on Deposits 46 ,272.85 49 ,482.56 Interest on Advances 46 ,592.49 49 ,016.36 Interest on RBI/Inter Bk. Funds 4,7 38.48 3,1 28.18 Interest on Investments & Bank Balances 38 ,242.99 41 ,869.48 Interest on Others - - Commission 80 8.53 81 9.12 Wage Bill 22 ,211.03 29 ,524.58 Other Income 10 ,617.45 10 ,152.97 Other Operating Expenses 11 ,220.50 11 ,265.66 Provisions and Contingencies 7,8 40.35 5,7 37.74 Income over Expenditure 3,9 78.25 2,7 19.21 Exp. Over Income - - TOTAL 96 ,261.46 1,0 1,857.93 TOTAL 96 ,261.46 1,0 1,857.93 KEY INDICATORS Per Branch Productivity 3,526.91 4,000.90 CD Ratio 46.96 44.27 Per Employee Productivity 879.07 946.25 Recovery (%) 56.57 66.90 CRAR (%) 10.14 10.58 Gross NPA (%) 7.40 7.91 Net NPA (%) 2.97 4.07 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 4,6 5,468.90 5,0 5,792.32 Loan O/s 8.66 Fin. Return 7.75 7.77 Loans Disbursed 2,5 9,598.66 2,1 3,235.20 Deposits 15.28 Fin. Cost 4.66 4.50 Gross NPAs 34 ,443.29 39 ,998.42 Net Profit/Loss(-) -31.65 Fin. Margin 3.09 3.27 Net NPA 13 ,174.42 19 ,739.44 Salary 2.03 2.52 Average Working Fund 10 ,95,258.39 11 ,69,310.93 Other Opt. Exp. 1.02 0.96 Net Profit/Loss (-) 3,9 78.25 2,7 19.21 Misc. Income 1.04 0.94 Gross Margin 1.08 0.72 Risk Cost 0.72 0.49 Net Margin 0.36 0.23

43 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Vidharbha Konkan GB State/UT: Maharashtra No. of Districts: 17 No of Branches : 322 No. of Staff : 1208 Sponsor Bank: BoI LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 12 ,191.27 14 ,936.26 Cash in Hand 4,1 11.92 3,2 89.38 Reserves 6,3 48.60 7,1 28.89 Balances with RBI 16 ,043.88 12 ,974.88 Balances in Current A/c 8,6 24.51 9,4 87.15 Deposits 4,1 1,997.33 4,4 2,420.57 Balances in Deposit A/c 12 ,842.00 61 ,940.95 Current 9,9 99.81 9,2 72.77 Other Investments 1,2 6,639.91 95 ,315.98 Savings 2,3 4,045.41 2,4 8,872.41 Loans & Advances (Net) 2,5 5,518.02 2,4 0,681.28 Term 1,6 7,952.11 1,8 4,275.39 Fixed Assets 1,3 12.80 1,8 97.46 Borrowings 2,4 22.63 85 5.69 Other Assets 8,7 44.49 8,7 82.80 NABARD 2,4 22.63 85 5.69 Accumulated Losses 7,7 10.68 41 ,742.91 Sponsor Banks - - Others - - Other Liabilities 8,5 88.38 10 ,771.38 TOTAL 4,4 1,548.21 4,7 6,112.79 TOTAL 4,4 1,548.21 4,7 6,112.79 EXPENDITURE INCOME Interest on Deposits 19 ,094.98 19 ,212.42 Interest on Advances 21 ,922.90 22 ,354.85 Interest on RBI/Inter Bk. Funds 49 6.01 15 4.51 Interest on Investments & Bank Balances 9,5 05.51 8,9 16.57 Interest on Others - - Commission 35 0.33 28 5.42 Wage Bill 8,9 33.87 36 ,564.89 Other Income 1,5 71.98 2,0 14.08 Other Operating Expenses 3,2 73.61 4,1 20.91 Provisions and Contingencies -388 .15 6,7 70.13 Income over Expenditure 1,9 40.40 - Exp. Over Income - 33 ,251.94 TOTAL 33 ,350.72 66 ,822.86 TOTAL 33 ,350.72 66 ,822.86 KEY INDICATORS Per Branch Productivity 2,099.21 2,181.37 CD Ratio 66.10 58.76 Per Employee Productivity 540.98 581.46 Recovery (%) 50.52 35.18 CRAR (%) 5.37 -8.81 Gross NPA (%) 18.39 18.16 Net NPA (%) 13.02 11.60 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2,7 2,346.62 2,5 9,979.03 Loan O/s -4.54 Fin. Return 7.02 6.88 Loans Disbursed 73 ,183.49 1,0 7,659.97 Deposits 7.38 Fin. Cost 4.38 4.26 Gross NPAs 50 ,093.56 47 ,207.11 Net Profit/Loss(-) -1813.66 Fin. Margin 2.64 2.62 Net NPA 33 ,264.96 27 ,909.36 Salary 2.00 8.05 Average Working Fund 4,4 7,564.22 4,5 4,481.52 Other Opt. Exp. 0.73 0.91 Net Profit/Loss (-) 1,9 40.40 -33,2 51.94 Misc. Income 0.43 0.51 Gross Margin 0.35 -5.83 Risk Cost -0.09 1.49 Net Margin 0.43 -7.32

44 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Odisha Gramya Bank State: Odisha No. of Districts: 13 No of Branches : 549 No. of Staff : 2379 Sponsor Bank: I.O.B. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 63 ,520.86 78 ,219.86 Cash in Hand 4,0 90.58 6,3 01.93 Reserves 5,5 83.54 5,5 83.54 Balances with RBI 49 ,792.73 36 ,060.87 Balances in Current A/c 7,1 26.48 19 ,821.37 Deposits 11 ,29,640.95 12 ,58,887.54 Balances in Deposit A/c 28 ,770.81 34 ,810.72 Current 8,9 04.41 9,8 37.89 Other Investments 6,1 1,617.99 7,1 0,576.35 Savings 4,9 1,666.44 5,7 2,155.76 Loans & Advances (Net) 4,4 0,954.79 4,3 9,833.06 Term 6,2 9,070.10 6,7 6,893.89 Fixed Assets 2,5 93.10 2,1 36.21 Borrowings 1,9 09.87 3,4 50.58 Other Assets 38 ,202.12 47 ,494.63 NABARD 41 8.21 69 .17 Accumulated Losses 63 ,011.23 1,0 2,602.58 Sponsor Banks - - Others 1,4 91.66 3,3 81.41 Other Liabilities 45 ,504.61 53 ,496.20 TOTAL 12 ,46,159.83 13 ,99,637.72 TOTAL 12 ,46,159.83 13 ,99,637.72 EXPENDITURE INCOME Interest on Deposits 59 ,137.45 62 ,761.69 Interest on Advances 38 ,870.68 38 ,380.33 Interest on RBI/Inter Bk. Funds 65 5.38 38 .12 Interest on Investments & Bank Balances 45 ,559.88 48 ,692.83 Interest on Others 88 .68 - Commission 54 1.21 49 7.58 Wage Bill 36 ,968.45 39 ,915.70 Other Income 3,2 19.11 11 ,963.73 Other Operating Expenses 6,8 17.04 7,7 31.04 Provisions and Contingencies 6,4 62.68 28 ,679.27 Income over Expenditure - - Exp. Over Income 21 ,938.80 39 ,591.35 TOTAL 1,1 0,129.68 1,3 9,125.82 TOTAL 1,1 0,129.68 1,3 9,125.82 KEY INDICATORS Per Branch Productivity 2,946.38 3,225.98 CD Ratio 43.19 40.68 Per Employee Productivity 683.67 744.46 Recovery (%) 77.52 74.06 CRAR (%) 2.24 -4.91 Gross NPA (%) 25.32 26.08 Net NPA (%) 17.36 13.92 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 4,8 7,921.35 5,1 2,175.55 Loan O/s 4.97 Fin. Return 7.12 6.80 Loans Disbursed 2,3 2,478.80 2,2 8,099.61 Deposits 11.44 Fin. Cost 5.05 4.90 Gross NPAs 1,2 3,538.09 1,3 3,588.61 Net Profit/Loss(-) 80.46 Fin. Margin 2.07 1.90 Net NPA 76 ,571.53 61 ,246.12 Salary 3.12 3.12 Average Working Fund 11 ,85,190.70 12 ,80,556.65 Other Opt. Exp. 0.58 0.60 Net Profit/Loss (-) -21,9 38.80 -39,5 91.35 Misc. Income 0.32 0.97 Gross Margin -1.31 -0.85 Risk Cost 0.55 2.24 Net Margin -1.85 -3.09

45 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Utkal GB State: Odisha No. of Districts: 17 No of Branches : 435 No. of Staff : 1486 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 52 ,726.00 93 ,014.91 Cash in Hand 3,7 72.94 4,6 02.49 Reserves - - Balances with RBI 27 ,285.85 19 ,730.35 Balances in Current A/c 1,8 53.53 22 ,310.61 Deposits 6,4 9,615.40 7,0 4,706.47 Balances in Deposit A/c 46 ,148.62 69 ,131.86 Current 10 ,963.02 12 ,269.56 Other Investments 3,2 6,834.72 3,6 2,956.84 Savings 3,6 2,799.95 4,0 4,588.36 Loans & Advances (Net) 2,4 8,223.87 2,3 9,319.35 Term 2,7 5,852.43 2,8 7,848.55 Fixed Assets 92 3.52 76 3.18 Borrowings 1,4 60.61 84 0.88 Other Assets 19 ,247.82 17 ,115.14 NABARD 64 6.78 27 .05 Accumulated Losses 82 ,397.42 96 ,346.68 Sponsor Banks 81 3.83 - Others - 81 3.83 Other Liabilities 52 ,886.28 33 ,714.24 TOTAL 7,5 6,688.29 8,3 2,276.50 TOTAL 7,5 6,688.29 8,3 2,276.50 EXPENDITURE INCOME Interest on Deposits 32 ,698.05 33 ,732.27 Interest on Advances 14 ,678.75 22 ,463.02 Interest on RBI/Inter Bk. Funds 14 1.46 59 .32 Interest on Investments & Bank Balances 23 ,875.17 28 ,705.32 Interest on Others - - Commission 95 5.30 67 0.20 Wage Bill 11 ,893.07 12 ,856.82 Other Income 3,1 26.76 6,8 13.07 Other Operating Expenses 3,9 25.74 5,0 16.42 Provisions and Contingencies 31 ,720.84 20 ,936.04 Income over Expenditure - - Exp. Over Income 37 ,743.18 13 ,949.26 TOTAL 80 ,379.16 72 ,600.87 TOTAL 80 ,379.16 72 ,600.87 KEY INDICATORS Per Branch Productivity 2,144.27 2,285.35 CD Ratio 44.58 41.07 Per Employee Productivity 569.21 668.99 Recovery (%) 61.32 61.65 CRAR (%) -11.83 -1.34 Gross NPA (%) 30.30 28.00 Net NPA (%) 18.68 12.93 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2,8 9,573.26 2,8 9,419.13 Loan O/s -0.05 Fin. Return 5.21 6.80 Loans Disbursed 2,2 5,799.68 2,3 5,637.10 Deposits 8.48 Fin. Cost 4.44 4.49 Gross NPAs 87 ,728.29 81 ,036.63 Net Profit/Loss(-) 63.04 Fin. Margin 0.77 2.31 Net NPA 46 ,378.90 30 ,936.85 Salary 1.61 1.71 Average Working Fund 7,4 0,313.82 7,5 2,272.39 Other Opt. Exp. 0.53 0.67 Net Profit/Loss (-) -37,7 43.18 -13,9 49.26 Misc. Income 0.55 0.99 Gross Margin -0.81 0.93 Risk Cost 4.28 2.78 Net Margin -5.10 -1.85

46 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Punjab Gramin Bank* State: Punjab No. of Districts: 22 No of Branches : 419 No. of Staff : 1744 Sponsor Bank: P.N.B. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 2,5 36.64 2,5 36.64 Cash in Hand 2,3 90.77 2,9 26.60 Reserves 94 ,908.57 99 ,529.27 Balances with RBI 31 ,759.32 24 ,714.20 Balances in Current A/c 1,9 90.01 1,0 97.43 Deposits 8,6 7,837.38 9,4 4,365.65 Balances in Deposit A/c 1,2 1,353.11 1,0 4,800.90 Current 30 ,106.10 21 ,565.14 Other Investments 3,1 9,564.93 4,3 1,339.46 Savings 3,5 9,638.36 3,8 0,893.24 Loans & Advances (Net) 6,3 6,476.72 6,5 0,771.79 Term 4,7 8,092.92 5,4 1,907.27 Fixed Assets 2,6 85.21 2,6 17.30 Borrowings 1,6 4,403.05 1,7 4,900.49 Other Assets 27 ,513.69 27 ,176.04 NABARD 1,3 5,298.80 1,3 6,980.14 Accumulated Losses - - Sponsor Banks 15 ,901.06 24 ,986.19 Others 13 ,203.19 12 ,934.16 Other Liabilities 14 ,048.12 24 ,111.67 TOTAL 11,4 3,733.76 12 ,45,443.72 TOTAL 11,4 3,733.76 12 ,45,443.72 EXPENDITURE# INCOME# Interest on Deposits 11 ,601.85 47 ,614.67 Interest on Advances 12 ,520.06 59 ,244.73 Interest on RBI/Inter Bk. Funds 2,1 80.31 8,3 46.47 Interest on Investments & Bank Balances 8,5 96.74 36 ,786.17 Interest on Others - 1,1 00.54 Commission 73 8.60 1,5 98.93 Wage Bill 7,2 66.21 37 ,289.84 Other Income 1,8 12.07 14 ,885.37 Other Operating Expenses 1,7 12.16 10 ,047.99 Provisions and Contingencies 80 6.38 3,0 47.18 Income over Expenditure 10 0.56 5,0 68.51 Exp. Over Income - - TOTAL 23 ,667.47 1,1 2,515.20 TOTAL 23 ,667.47 1,1 2,515.20 KEY INDICATORS Per Branch Productivity 3,692.67 3,883.12 CD Ratio 77.01 72.29 Per Employee Productivity 886.41 932.93 Recovery (%) 88.45 90.68 CRAR (%) 14.91 15.71 Gross NPA (%) 9.56 8.50 Net NPA (%) 5.01 3.99 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 6,6 8,314.77 6,8 2,662.82 Loan O/s 2.15 Fin. Return 1.83 7.81 Loans Disbursed 1,2 9,382.74 7,3 0,413.94 Deposits 8.82 Fin. Cost 1.19 4.64 Gross NPAs 63 ,873.80 58 ,020.65 Net Profit/Loss(-) 4940 Fin. Margin 0.63 3.17 Net NPA 31 ,903.76 25 ,948.37 Salary 0.63 3.03 Average Working Fund 11 ,56,855.50 12 ,29,951.00 Other Opt. Exp. 0.15 0.82 Net Profit/Loss (-) 10 0.56 5,0 68.51 Misc. Income 0.22 1.34 Gross Margin 0.08 0.66 Risk Cost 0.07 0.25 Net Margin 0.01 0.41 *Came into effect from 1 Jan 2019 through amalgamation of Malwa GB, Sutlej GB and Punjab GB. #Income and Expenditure for FY 2018-19 pertain to the Quarter- 1 Jan 2019 to 31 March 2019

47 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Baroda Rajasthan KGB State: Rajasthan No. of Districts: 21 No of Branches : 852 No. of Staff : 3907 Sponsor Bank: Bank of Baroda LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 30 ,933.80 30 ,933.80 Cash in Hand 6,3 26.27 5,8 57.20 Reserves 82 ,288.48 96 ,131.44 Balances with RBI 58 ,972.29 51 ,455.92 Balances in Current A/c 11 ,511.04 5,9 43.89 Deposits 15 ,13,437.86 17 ,41,328.23 Balances in Deposit A/c 1,9 7,513.41 2,4 8,543.18 Current 28 ,545.29 31 ,802.55 Other Investments 3,1 2,940.69 3,2 5,169.40 Savings 7,7 7,803.17 8,7 4,846.66 Loans & Advances (Net) 11 ,67,533.76 13 ,09,948.07 Term 7,0 7,089.40 8,3 4,679.02 Fixed Assets 3,0 26.54 3,2 27.15 Borrowings 1,4 3,972.99 1,0 5,592.94 Other Assets 45 ,222.82 56 ,948.59 NABARD 1,4 3,947.38 1,0 5,546.91 Accumulated Losses - - Sponsor Banks - 46 .03 Others 25 .61 - Other Liabilities 32 ,413.69 33 ,106.99 TOTAL 18 ,03,046.82 20 ,07,093.40 TOTAL 18 ,03,046.82 20 ,07,093.40 EXPENDITURE INCOME Interest on Deposits 71 ,122.64 82 ,441.26 Interest on Advances 1,0 4,348.19 1,2 6,299.56 Interest on RBI/Inter Bk. Funds 9,2 74.62 6,7 42.73 Interest on Investments & Bank Balances 39 ,993.21 43 ,256.46 Interest on Others - - Commission 3,8 99.72 8,8 81.72 Wage Bill 46 ,378.55 71 ,219.47 Other Income 11 ,575.32 17 ,507.85 Other Operating Expenses 17 ,630.93 14 ,100.05 Provisions and Contingencies 4,8 03.04 7,5 99.12 Income over Expenditure 10 ,606.66 13 ,842.96 Exp. Over Income - - TOTAL 1,5 9,816.44 1,9 5,945.59 TOTAL 1,5 9,816.44 1,9 5,945.59 KEY INDICATORS Per Branch Productivity 3,211.66 3,617.48 CD Ratio 79.53 77.00 Per Employee Productivity 717.66 788.86 Recovery (%) 85.59 81.74 CRAR (%) 10.27 10.22 Gross NPA (%) 4.64 3.32 Net NPA (%) 1.69 1.04 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 12 ,03,623.48 13 ,40,766.30 Loan O/s 11.39 Fin. Return 8.43 8.81 Loans Disbursed 1,8 8,911.61 7,4 6,250.57 Deposits 15.06 Fin. Cost 4.69 4.64 Gross NPAs 55 ,829.79 44 ,469.19 Net Profit/Loss(-) 30.51 Fin. Margin 3.73 4.18 Net NPA 19 ,740.08 13 ,650.96 Salary 2.71 3.70 Average Working Fund 17 ,12,782.17 19 ,23,684.74 Other Opt. Exp. 1.03 0.73 Net Profit/Loss (-) 10 ,606.66 13 ,842.96 Misc. Income 0.90 1.37 Gross Margin 0.90 1.11 Risk Cost 0.28 0.40 Net Margin 0.62 0.72

48 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Rajasthan Marudhara GB State: Rajasthan No. of Districts: 15 No of Branches : 701 No. of Staff : 2607 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 18 ,193.18 18 ,193.18 Cash in Hand 3,3 66.62 3,9 31.12 Reserves 54 ,255.59 54 ,717.13 Balances with RBI 44 ,270.94 36 ,948.65 Balances in Current A/c 6,8 61.55 4,8 64.09 Deposits 11 ,18,930.23 12 ,50,018.46 Balances in Deposit A/c 1,3 0,366.95 2,0 0,887.40 Current 16 ,288.06 19 ,517.27 Other Investments 2,8 7,980.86 3,0 1,109.54 Savings 5,6 0,299.72 6,0 6,285.01 Loans & Advances (Net) 7,4 7,890.66 7,9 5,523.65 Term 5,4 2,342.45 6,2 4,216.18 Fixed Assets 4,2 26.95 4,0 16.13 Borrowings 69 ,521.30 67 ,611.85 Other Assets 67 ,856.91 60 ,546.16 NABARD 69 ,521.30 67 ,611.85 Accumulated Losses - - Sponsor Banks - - Others - - Other Liabilities 31 ,921.14 17 ,286.12 TOTAL 12 ,92,821.44 14 ,07,826.74 TOTAL 12 ,92,821.44 14 ,07,826.74 EXPENDITURE INCOME Interest on Deposits 54 ,462.13 62 ,996.67 Interest on Advances 73 ,524.27 80 ,519.58 Interest on RBI/Inter Bk. Funds 4,2 21.21 3,3 07.64 Interest on Investments & Bank Balances 30 ,623.91 33 ,752.33 Interest on Others - - Commission 8,9 54.43 9,0 51.13 Wage Bill 36 ,866.02 47 ,589.50 Other Income 7,7 32.24 8,1 28.15 Other Operating Expenses 14 ,774.67 14 ,255.82 Provisions and Contingencies 4,2 50.00 2,8 40.01 Income over Expenditure 6,2 60.82 46 1.55 Exp. Over Income - - TOTAL 1,2 0,834.85 1,3 1,451.19 TOTAL 1,2 0,834.85 1,3 1,451.19 KEY INDICATORS Per Branch Productivity 2,701.43 2,947.45 CD Ratio 69.24 65.29 Per Employee Productivity 693.92 792.54 Recovery (%) 78.85 70.19 CRAR (%) 10.05 9.70 Gross NPA (%) 6.66 6.00 Net NPA (%) 3.27 3.55 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 7,7 4,774.41 8,1 6,140.69 Loan O/s 5.34 Fin. Return 8.54 8.46 Loans Disbursed 6,2 3,858.00 1,1 9,760.03 Deposits 11.72 Fin. Cost 4.81 4.91 Gross NPAs 51 ,578.42 49 ,001.34 Net Profit/Loss(-) -92.63 Fin. Margin 3.73 3.55 Net NPA 24 ,481.13 28 ,277.71 Salary 3.02 3.52 Average Working Fund 12 ,20,210.00 13 ,50,306.86 Other Opt. Exp. 1.21 1.06 Net Profit/Loss (-) 6,2 60.82 46 1.55 Misc. Income 1.37 1.27 Gross Margin 0.86 0.24 Risk Cost 0.35 0.21 Net Margin 0.51 0.03

49 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Pallavan Grama Bank* State: Tamil Nadu No. of Districts: No of Branches : No. of Staff : Sponsor Bank: Indian Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 65 5.78 Cash in Hand 2,3 02.87 Reserves 36 ,406.14 Balances with RBI 20 ,000.11 Balances in Current A/c 3,1 23.53 Deposits 5,1 0,212.85 Balances in Deposit A/c 1,2 3,164.73 Current 4,3 49.55 Other Investments 90 ,791.80 Savings 1,1 0,882.23 Loans & Advances (Net) 4,6 4,815.90 Term 3,9 4,981.07 Fixed Assets 3,4 25.00 Borrowings 1,7 7,296.16 Other Assets 25 ,633.95 NABARD 1,7 3,766.36 Accumulated Losses - Sponsor Banks - Others 3,5 29.80 Other Liabilities 8,6 86.96 TOTAL 7,3 3,257.89 TOTAL 7,3 3,257.89 EXPENDITURE INCOME Interest on Deposits 27 ,734.73 Interest on Advances 41 ,639.68 Interest on RBI/Inter Bk. Funds 9,6 58.34 Interest on Investments & Bank Balances 12 ,553.42 Interest on Others - Commission 25 0.99 Wage Bill 6,8 89.59 Other Income 6,3 58.26 Other Operating Expenses 7,8 29.06 Provisions and Contingencies 3,0 51.17 Income over Expenditure 5,6 39.46 Exp. Over Income - TOTAL 60 ,802.35 TOTAL 60 ,802.35 KEY INDICATORS Per Branch Productivity 3,571.00 CD Ratio 103.67 Per Employee Productivity 1,162.37 Recovery (%) 94.48 CRAR (%) 11.66 Gross NPA (%) 2.27 Net NPA (%) 1.16 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 5,2 8,949.15 Loan O/s Fin. Return 8.22 Loans Disbursed 5,6 5,455.47 Deposits Fin. Cost 5.67 Gross NPAs 12 ,021.30 Net Profit/Loss(-) Fin. Margin 2.55 Net NPA 5,3 88.05 Salary 1.04 Average Working Fund 6,5 9,475.69 Other Opt. Exp. 1.19 Net Profit/Loss (-) 5,6 39.46 Misc. Income 1.00 Gross Margin 1.32 Risk Cost 0.46 Net Margin 0.86 * Pandyan Grama Bank (IoB) & Pallavan Grama Bank (Indian bank) amalgamated to form Tamil Nadu Grama Bank w.e.f 1 April 2019

50 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Tamil Nadu GB * State: Tamil Nadu No. of Districts: 36 No of Branches : 632 No. of Staff : 2556 Sponsor Bank: Indian Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 4 ,695.45 Cash in Hand 8 ,647.44 Reserves 1 ,18,562.40 Balances with RBI 4 1,292.18 Balances in Current A/c 2 6,139.73 Deposits 1 2,46,337.62 Balances in Deposit A/c 2 ,78,622.27 Current 1 0,481.16 Other Investments 2 ,44,171.67 Savings 3 ,17,757.88 Loans & Advances (Net) 1 1,74,917.89 Term 9 ,18,098.58 Fixed Assets 5 ,756.37 Borrowings 4 ,57,255.47 Other Assets 9 2,746.53 NABARD 4 ,47,394.75 Accumulated Losses - Sponsor Banks - Others 9 ,860.72 Other Liabilities 4 5,443.14 TOTAL 1 8,72,294.08 TOTAL 1 8,72,294.08 EXPENDITURE INCOME Interest on Deposits 7 5,123.50 Interest on Advances 9 9,574.64 Interest on RBI/Inter Bk. Funds 2 2,182.27 Interest on Investments & Bank Balances 4 3,855.51 Interest on Others - Commission 1 5,801.28 Wage Bill 3 3,586.87 Other Income 1 2,102.20 Other Operating Expenses 1 0,998.38 Provisions and Contingencies 1 4,480.36 Income over Expenditure 1 4,962.25 Exp. Over Income - TOTAL 1 ,71,333.63 TOTAL 1 ,71,333.63 KEY INDICATORS Per Branch Productivity 3,915.93 CD Ratio 98.57 Per Employee Productivity 968.26 Recovery (%) 97.92 CRAR (%) 14.18 Gross NPA (%) 2.39 Net NPA (%) 0.91 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1 2,28,530.57 Loan O/s Fin. Return 7.40 Loans Disbursed 1 3,15,199.73 Deposits Fin. Cost 5.02 Gross NPAs 2 9,312.36 Net Profit/Loss(-) Fin. Margin 2.38 Net NPA 1 0,699.68 Salary 1.73 Average Working Fund 1 9,38,884.00 Other Opt. Exp. 0.57 Net Profit/Loss (-) 1 4,962.25 Misc. Income 1.44 Gross Margin 1.52 Risk Cost 0.75 Net Margin 0.77 * Pandyan Grama Bank (IoB) & Pallavan Grama Bank (Indian bank) amalgamated to form Tamil Nadu Grama Bank w.e.f 1 April 2019

51 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Andhra Pradesh GVB State: Telangana No. of Districts*: 24 No of Branches : 775 No. of Staff : 3305 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 9,4 08.50 9,4 08.50 Cash in Hand 14 ,993.45 10 ,404.90 Reserves 2,2 8,676.34 2,9 0,494.82 Balances with RBI 66 ,101.08 53 ,074.92 Balances in Current A/c 74 4.33 4,1 04.75 Deposits 16 ,05,595.57 18 ,49,569.07 Balances in Deposit A/c 4,4 8,735.80 8,1 3,121.95 Current 18 ,614.30 15 ,983.85 Other Investments 5,3 9,230.59 3,8 3,885.34 Savings 6,4 6,996.96 7,1 9,592.99 Loans & Advances (Net) 14 ,83,492.68 17 ,23,446.95 Term 9,3 9,984.31 11 ,13,992.23 Fixed Assets 5,9 86.67 6,8 49.86 Borrowings 6,4 7,100.50 8,4 6,587.52 Other Assets 1,0 4,459.82 1,3 2,731.68 NABARD 6,3 7,607.97 7,0 6,631.23 Accumulated Losses - - Sponsor Banks 21 2.83 99 6.12 Others 9,2 79.70 1,3 8,960.17 Other Liabilities 1,7 2,963.51 1,3 1,560.44 TOTAL 26 ,63,744.42 31 ,27,620.35 TOTAL 26 ,63,744.42 31 ,27,620.35 EXPENDITURE INCOME Interest on Deposits 85 ,128.19 1,0 0,744.33 Interest on Advances 1,7 2,879.81 1,9 7,297.85 Interest on RBI/Inter Bk. Funds 47 ,164.75 38 ,302.92 Interest on Investments & Bank Balances 64 ,057.78 63 ,053.48 Interest on Others - - Commission 23 ,739.44 25 ,315.84 Wage Bill 22 ,175.58 26 ,688.73 Other Income 5,0 55.78 15 ,677.85 Other Operating Expenses 15 ,447.41 14 ,306.33 Provisions and Contingencies 84 ,613.04 59 ,545.39 Income over Expenditure 11,2 03.84 61 ,757.32 Exp. Over Income - - TOTAL 2,6 5,732.81 3,0 1,345.02 TOTAL 2,6 5,732.81 3,0 1,345.02 KEY INDICATORS Per Branch Productivity 4,221.21 4,879.83 CD Ratio 103.75 104.47 Per Employee Productivity 1,028.43 1,144.29 Recovery (%) 88.41 88.93 CRAR (%) 15.50 16.15 Gross NPA (%) 1.14 1.03 Net NPA (%) 0.37 0.00 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 16 ,65,841.00 19 ,32,296.53 Loan O/s 16.00 Fin. Return 9.27 9.33 Loans Disbursed 10 ,25,084.85 11 ,80,255.57 Deposits 15.20 Fin. Cost 5.17 4.98 Gross NPAs 18 ,909.94 19 ,849.58 Net Profit/Loss(-) 451.22 Fin. Margin 4.09 4.35 Net NPA 5,5 61.61 - Salary 0.87 0.96 Average Working Fund 25 ,57,180.80 27 ,89,365.59 Other Opt. Exp. 0.60 0.51 Net Profit/Loss (-) 11 ,203.84 61 ,757.32 Misc. Income 1.13 1.47 Gross Margin 3.75 4.35 Risk Cost 3.31 2.13 Net Margin 0.44 2.21 *Andhra Pradesh GVB operates in 21 Districts of Telangana and 3 Districts of Andhra pradesh

52 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Telangana Grameen Bank State: Telangana No. of Districts: 18 No of Branches : 421 No. of Staff : 1754 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1,8 07.23 1,8 07.23 Cash in Hand 5,4 67.77 5,9 41.51 Reserves 67 ,837.68 84 ,948.02 Balances with RBI 30 ,862.89 25 ,385.54 Balances in Current A/c 8,6 22.08 10 ,220.63 Deposits 7,7 1,172.62 8,9 9,231.16 Balances in Deposit A/c 1,5 6,851.00 2,5 4,479.16 Current 9,6 73.25 8,4 01.23 Other Investments 2,6 8,463.72 2,3 4,556.50 Savings 2,7 2,424.08 3,3 4,587.20 Loans & Advances (Net) 6,9 4,611.73 8,3 4,602.26 Term 4,8 9,075.29 5,5 6,242.73 Fixed Assets 2,9 28.53 2,9 19.82 Borrowings 3,3 2,234.90 4,0 7,844.22 Other Assets 40 ,354.26 39 ,917.00 NABARD 3,2 2,209.22 3,8 9,036.76 Accumulated Losses - - Sponsor Banks 5,3 81.14 - Others 4,6 44.54 18 ,807.46 Other Liabilities 35 ,109.55 14 ,191.79 TOTAL 12 ,08,161.98 14 ,08,022.42 TOTAL 12 ,08,161.98 14 ,08,022.42 EXPENDITURE INCOME Interest on Deposits 43 ,951.16 47 ,571.70 Interest on Advances 67 ,500.69 79 ,132.68 Interest on RBI/Inter Bk. Funds 15 ,820.94 20 ,528.49 Interest on Investments & Bank Balances 29 ,817.48 32 ,015.51 Interest on Others - 28 7.45 Commission 10 ,803.66 11 ,009.51 Wage Bill 36 ,567.46 24 ,209.88 Other Income 7,0 40.72 9,5 54.08 Other Operating Expenses 9,4 76.87 8,0 60.89 Provisions and Contingencies 5,0 59.24 13 ,943.02 Income over Expenditure 4,2 86.88 17 ,110.35 Exp. Over Income - - TOTAL 1,1 5,162.55 1,3 1,711.78 TOTAL 1,1 5,162.55 1,3 1,711.78 KEY INDICATORS Per Branch Productivity 3,548.76 4,152.09 CD Ratio 91.43 94.39 Per Employee Productivity 824.74 996.60 Recovery (%) 85.65 83.87 CRAR (%) 11.22 11.63 Gross NPA (%) 2.35 2.08 Net NPA (%) 0.87 0.41 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 7,0 5,111.16 8,4 8,797.49 Loan O/s 20.38 Fin. Return 8.75 8.85 Loans Disbursed 4,6 6,556.48 5,5 5,719.79 Deposits 16.61 Fin. Cost 5.38 5.44 Gross NPAs 16 ,555.44 17 ,633.51 Net Profit/Loss(-) 299.13 Fin. Margin 3.38 3.40 Net NPA 6,0 56.02 3,4 38.11 Salary 3.29 1.93 Average Working Fund 11 ,11,647.46 12 ,56,435.04 Other Opt. Exp. 0.85 0.64 Net Profit/Loss (-) 4,2 86.88 17 ,110.35 Misc. Income 1.61 1.64 Gross Margin 0.84 2.47 Risk Cost 0.46 1.11 Net Margin 0.39 1.36

53 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Allahabad UP GB* State: Uttar Pradesh No. of Districts: No of Branches : No. of Staff : Sponsor Bank: Allahabad Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 6, 192.79 Cash in Hand 14 ,029.42 Reserves 25 ,285.34 Balances with RBI 43 ,879.65 Balances in Current A/c 1, 714.43 Deposits 11 ,28,543.11 Balances in Deposit A/c 2, 45,001.80 Current 28 ,852.31 Other Investments 2, 66,173.95 Savings 8, 21,750.40 Loans & Advances (Net) 6, 06,345.72 Term 2, 77,940.40 Fixed Assets 3, 514.69 Borrowings 34 ,000.37 Other Assets 33 ,561.90 NABARD 31 ,687.82 Accumulated Losses - Sponsor Banks 1, 400.95 Others 91 1.60 Other Liabilities 20 ,199.95 TOTAL 12 ,14,221.56 TOTAL 12 ,14,221.56 EXPENDITURE INCOME Interest on Deposits 44 ,425.67 Interest on Advances 33 ,281.50 Interest on RBI/Inter Bk. Funds 4, 311.89 Interest on Investments & Bank Balances 34 ,621.19 Interest on Others - Commission 2, 621.92 Wage Bill 26 ,578.68 Other Income 4, 758.73 Other Operating Expenses 10 ,800.96 Provisions and Contingencies 40 ,156.73 Income over Expenditure - Exp. Over Income 50 ,990.59 TOTAL 1, 26,273.93 TOTAL 1, 26,273.93 KEY INDICATORS Per Branch Productivity 2,768.59 CD Ratio 60.44 Per Employee Productivity 703.17 Recovery (%) 62.78 CRAR (%) 4.19 Gross NPA (%) 55.75 Net NPA (%) 50.22 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 6, 82,117.79 Loan O/s Fin. Return 5.48 Loans Disbursed 2, 16,854.00 Deposits Fin. Cost 3.94 Gross NPAs 3, 80,290.05 Net Profit/Loss(-) Fin. Margin 1.55 Net NPA 3, 04,517.97 Salary 2.15 Average Working Fund 12 ,38,505.74 Other Opt. Exp. 0.87 Net Profit/Loss (-) -50 ,990.59 Misc. Income 0.60 Gross Margin -0.87 Risk Cost 3.24 Net Margin -4.12 *Allahabad U.P Gramin Bank Sponsored by Allahabad Bank amalgamated with (BoI) to form Aryavart Bank (BoI) w.e.f 1 April 2019

54 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Gramin Bank of Aryavart* State: Uttar Pradesh No. of Districts: No of Branches : No. of Staff : Sponsor Bank: Bank of India LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 9,1 93.65 Cash in Hand 14 ,563.09 Reserves 1,5 9,875.39 Balances with RBI 61 ,499.00 Balances in Current A/c 41 ,582.80 Deposits 15 ,08,144.80 Balances in Deposit A/c 1,6 0,025.00 Current 40 ,626.76 Other Investments 4,4 9,321.79 Savings 9,8 6,215.06 Loans & Advances (Net) 11 ,13,263.51 Term 4,8 1,302.98 Fixed Assets 4,9 28.29 Borrowings 1,5 5,022.10 Other Assets 73 ,729.63 NABARD 1,1 0,878.37 Accumulated Losses - Sponsor Banks 32 ,270.65 Others 11 ,873.08 Other Liabilities 86 ,677.17 TOTAL 19 ,18,913.11 TOTAL 19 ,18,913.11 EXPENDITURE INCOME Interest on Deposits 68 ,112.55 Interest on Advances 1,2 4,789.84 Interest on RBI/Inter Bk. Funds 10 ,814.12 Interest on Investments & Bank Balances 45 ,195.16 Interest on Others - Commission 1,6 56.67 Wage Bill 27 ,398.38 Other Income 26 ,609.42 Other Operating Expenses 11 ,094.50 Provisions and Contingencies 68 ,653.36 Income over Expenditure 12 ,178.18 Exp. Over Income - TOTAL 1,9 8,251.09 TOTAL 1,9 8,251.09 KEY INDICATORS Per Branch Productivity 3,767.65 CD Ratio 77.62 Per Employee Productivity 706.81 Recovery (%) 71.09 CRAR (%) 14.25 Gross NPA (%) 9.63 Net NPA (%) 4.97 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 11 ,70,652.81 Loan O/s Fin. Return 9.00 Loans Disbursed 6,4 6,390.38 Deposits Fin. Cost 4.18 Gross NPAs 1,1 2,736.25 Net Profit/Loss(-) Fin. Margin 4.82 Net NPA 55 ,346.95 Salary 1.45 Average Working Fund 18 ,88,994.80 Other Opt. Exp. 0.59 Net Profit/Loss (-) 12 ,178.18 Misc. Income 1.50 Gross Margin 4.28 Risk Cost 3.63 Net Margin 0.64

55 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Aryavart Bank * State: Uttar Pradesh No. of Districts: 26 No of Branches : 1366 No. of Staff : 6383 Sponsor Bank: B.O.I LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1 5,386.44 Cash in Hand 2 6,141.19 Reserves 1 ,89,673.73 Balances with RBI 1 ,15,396.00 Balances in Current A/c 8 1,250.04 Deposits 2 8,01,413.29 Balances in Deposit A/c 6 ,13,843.47 Current 7 8,567.93 Other Investments 5 ,89,207.82 Savings 1 9,25,733.03 Loans & Advances (Net) 1 7,48,230.10 Term 7 ,97,112.33 Fixed Assets 7 ,591.57 Borrowings 1 ,81,679.43 Other Assets 1 ,51,174.86 NABARD 4 9,456.44 Accumulated Losses - Sponsor Banks 1 ,17,785.99 Others 1 4,437.00 Other Liabilities 1 ,44,682.16 TOTAL 3 3,32,835.05 TOTAL 3 3,32,835.05 EXPENDITURE INCOME Interest on Deposits 1 ,16,320.73 Interest on Advances 1 ,56,232.44 Interest on RBI/Inter Bk. Funds 8 ,334.46 Interest on Investments & Bank Balances 8 3,340.65 Interest on Others - Commission 1 ,684.84 Wage Bill 1 ,06,274.83 Other Income 3 2,611.54 Other Operating Expenses 2 0,938.17 Provisions and Contingencies 1 7,488.29 Income over Expenditure 4 ,512.99 Exp. Over Income - TOTAL 2 ,73,869.47 TOTAL 2 ,73,869.47 KEY INDICATORS Per Branch Productivity 3,433.36 CD Ratio 67.41 Per Employee Productivity 734.76 Recovery (%) 62.06 CRAR (%) 10.21 Gross NPA (%) 20.95 Net NPA (%) 14.61 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1 8,88,554.56 Loan O/s Fin. Return 7.35 Loans Disbursed 8 ,43,050.30 Deposits Fin. Cost 3.82 Gross NPAs 3 ,95,681.12 Net Profit/Loss(-) Fin. Margin 3.52 Net NPA 2 ,55,356.66 Salary 3.26 Average Working Fund 3 2,60,993.11 Other Opt. Exp. 0.64 Net Profit/Loss (-) 4 ,512.99 Misc. Income 1.05 Gross Margin 0.67 Risk Cost 0.54 Net Margin 0.14 *Allahabad U.P Gramin Bank Sponsored by Allahabad Bank amalgamated with Gramin Bank of Aryavart (BoI) to form Aryavart Bank (BoI) w.e.f 1 April 2019 56 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Baroda UP GB State: Uttar Pradesh No. of Districts: 14 No of Branches : 924 No. of Staff : 4442 Sponsor Bank: Bank of Baroda LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 12 ,451.27 12 ,451.27 Cash in Hand 10 ,906.08 9,7 36.24 Reserves 1,1 9,840.53 1,2 3,657.00 Balances with RBI 80 ,400.36 88 ,921.11 Balances in Current A/c 37 ,630.48 54 ,629.28 Deposits 20 ,51,703.22 22 ,57,810.73 Balances in Deposit A/c 2,3 2,349.82 2,5 0,368.45 Current 30 ,417.08 28 ,047.38 Other Investments 11 ,56,453.44 13 ,13,207.46 Savings 14 ,14,608.20 15 ,52,746.74 Loans & Advances (Net) 8,3 7,216.28 8,6 1,633.31 Term 6,0 6,677.94 6,7 7,016.61 Fixed Assets 1,8 13.16 1,7 83.97 Borrowings 1,5 7,927.60 1,6 4,288.31 Other Assets 58 ,407.06 86 ,470.75 NABARD 1,5 1,596.42 1,6 1,731.74 Accumulated Losses - - Sponsor Banks 71 .94 1,0 16.80 Others 6,2 59.24 1,5 39.77 Other Liabilities 73 ,254.06 1,0 8,543.26 TOTAL 24 ,15,176.68 26 ,66,750.57 TOTAL 24 ,15,176.68 26 ,66,750.57 EXPENDITURE INCOME Interest on Deposits 84 ,367.76 96 ,518.39 Interest on Advances 72 ,707.94 79 ,123.98 Interest on RBI/Inter Bk. Funds 12 ,090.63 8,9 02.31 Interest on Investments & Bank Balances 1,0 4,901.74 1,1 4,071.72 Interest on Others - - Commission 1,5 59.02 1,5 78.79 Wage Bill 51 ,732.37 37 ,165.50 Other Income 9,5 21.40 14 ,205.79 Other Operating Expenses 23 ,058.88 57 ,612.60 Provisions and Contingencies 7,3 20.01 4,9 65.01 Income over Expenditure 10 ,120.45 3,8 16.47 Exp. Over Income - - TOTAL 1,8 8,690.10 2,0 8,980.28 TOTAL 1,8 8,690.10 2,0 8,980.28 KEY INDICATORS Per Branch Productivity 3,172.13 3,418.18 CD Ratio 42.86 39.89 Per Employee Productivity 745.43 711.03 Recovery (%) 72.68 71.76 CRAR (%) 14.76 13.19 Gross NPA (%) 8.50 9.51 Net NPA (%) 3.95 5.47 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 8,7 9,344.17 9,0 0,589.45 Loan O/s 2.42 Fin. Return 7.42 7.62 Loans Disbursed 7,6 9,462.50 7,8 8,928.13 Deposits 10.05 Fin. Cost 4.03 4.16 Gross NPAs 74 ,778.74 85 ,628.08 Net Profit/Loss(-) -62.29 Fin. Margin 3.39 3.46 Net NPA 33 ,099.10 47 ,119.49 Salary 2.16 1.47 Average Working Fund 23 ,94,334.98 25 ,34,298.38 Other Opt. Exp. 0.96 2.27 Net Profit/Loss (-) 10 ,120.45 3,8 16.47 Misc. Income 0.46 0.62 Gross Margin 0.73 0.35 Risk Cost 0.31 0.20 Net Margin 0.42 0.15 * Baroda Uttar Pradesh Gramin Bank, Kashi Gomti Samyut Gramin Bank and Purvanchal Bank were amalgamated to form Baroda U.P. Bank under the sponsorship of Bank of Baroda with effect from 1 April 2020.

57 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Kashi Gomati Samyut GB* State: Uttar Pradesh No. of Districts: 8 No of Branches : 459 No. of Staff : 2073 Sponsor Bank: Union BoI LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 4,5 60.60 4,5 60.60 Cash in Hand 8,5 64.34 8,1 40.60 Reserves 56 ,385.18 29 ,720.40 Balances with RBI 46 ,466.09 48 ,946.09 Balances in Current A/c 15 ,135.63 11 ,263.63 Deposits 11 ,78,249.62 12 ,28,168.69 Balances in Deposit A/c 4,4 3,158.74 5,0 9,436.15 Current 34 ,851.12 32 ,842.62 Other Investments 3,7 4,688.20 3,1 8,153.92 Savings 6,9 1,737.37 7,2 5,383.61 Loans & Advances (Net) 3,7 6,453.01 4,1 5,550.31 Term 4,5 1,661.13 4,6 9,942.46 Fixed Assets 1,5 76.40 1,5 53.70 Borrowings 36 ,955.86 33 ,595.74 Other Assets 34 ,164.31 38 ,958.63 NABARD 21 ,222.69 19 ,852.58 Accumulated Losses - - Sponsor Banks 7,3 40.28 7,4 44.20 Others 8,3 92.89 6,2 98.96 Other Liabilities 24 ,055.46 55 ,957.60 TOTAL 13 ,00,206.72 13 ,52,003.03 TOTAL 13 ,00,206.72 13 ,52,003.03 EXPENDITURE INCOME Interest on Deposits 55 ,691.09 56 ,619.02 Interest on Advances 32 ,959.93 37 ,176.77 Interest on RBI/Inter Bk. Funds 3,2 31.38 3,1 22.69 Interest on Investments & Bank Balances 59 ,999.14 59 ,435.40 Interest on Others - - Commission 61 2.04 59 5.54 Wage Bill 18 ,283.63 24 ,565.50 Other Income 3,5 88.44 2,2 56.02 Other Operating Expenses 15 ,879.34 49 ,984.54 Provisions and Contingencies 84 1.70 -8,16 3.24 Income over Expenditure 3,2 32.41 - Exp. Over Income - 26 ,664.78 TOTAL 97 ,159.55 1,2 6,128.51 TOTAL 97 ,159.55 1,2 6,128.51 KEY INDICATORS Per Branch Productivity 3,429.85 3,627.36 CD Ratio 33.61 35.56 Per Employee Productivity 726.82 803.16 Recovery (%) 61.77 61.59 CRAR (%) 14.61 6.87 Gross NPA (%) 8.88 11.81 Net NPA (%) 4.03 7.21 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 3,9 6,051.18 4,3 6,790.63 Loan O/s 10.29 Fin. Return 7.43 7.34 Loans Disbursed 3,3 1,652.00 2,0 6,591.00 Deposits 4.24 Fin. Cost 4.71 4.54 Gross NPAs 35 ,184.80 51 ,590.00 Net Profit/Loss(-) -924.92 Fin. Margin 2.72 2.80 Net NPA 15 ,168.74 29 ,967.28 Salary 1.46 1.87 Average Working Fund 12 ,50,951.00 13 ,16,297.04 Other Opt. Exp. 1.27 3.80 Net Profit/Loss (-) 3,2 32.41 -26,6 64.78 Misc. Income 0.34 0.22 Gross Margin 0.33 -2.65 Risk Cost 0.07 -0.62 Net Margin 0.26 -2.03 * Baroda Uttar Pradesh Gramin Bank, Kashi Gomti Samyut Gramin Bank and Purvanchal Bank were amalgamated to form Baroda U.P. Bank under the sponsorship of Bank of Baroda with effect from 1 April 2020.

58 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Purvanchal Bank * State: Uttar Pradesh No. of Districts: 11 No of Branches : 600 No. of Staff : 2190 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 3,7 73.29 3,7 73.29 Cash in Hand 10 ,076.03 8,6 68.24 Reserves 72 ,678.34 53 ,830.07 Balances with RBI 52 ,180.50 58 ,222.66 Balances in Current A/c 15 ,034.86 15 ,245.46 Deposits 12 ,55,026.46 14 ,04,671.37 Balances in Deposit A/c 5,9 5,196.34 7,8 7,115.62 Current 27 ,280.61 20 ,540.59 Other Investments 2,9 9,184.72 3,2 7,466.18 Savings 8,3 9,625.39 9,5 5,894.92 Loans & Advances (Net) 4,2 4,805.11 4,2 8,536.24 Term 3,8 8,120.46 4,2 8,235.86 Fixed Assets 2,3 58.78 2,2 65.48 Borrowings 55 ,773.53 1,3 2,490.79 Other Assets 51 ,078.90 52 ,405.28 NABARD 51 ,763.00 1,2 2,410.18 Accumulated Losses - - Sponsor Banks - - Others 4,0 10.53 10 ,080.61 Other Liabilities 62 ,663.62 85 ,159.64 TOTAL 14 ,49,915.24 16 ,79,925.16 TOTAL 14 ,49,915.24 16 ,79,925.16 EXPENDITURE INCOME Interest on Deposits 56 ,763.14 62 ,308.97 Interest on Advances 37 ,153.59 35 ,183.05 Interest on RBI/Inter Bk. Funds 3,4 96.72 3,5 69.15 Interest on Investments & Bank Balances 63 ,982.86 73 ,380.10 Interest on Others - - Commission 6,5 69.15 6,9 78.26 Wage Bill 26 ,414.74 47 ,354.03 Other Income 5,4 19.10 7,4 38.78 Other Operating Expenses 19 ,445.55 14 ,437.30 Provisions and Contingencies 5,0 00.00 14 ,159.01 Income over Expenditure 2,0 04.55 - Exp. Over Income - 18 ,848.27 TOTAL 1,1 3,124.70 1,4 1,828.46 TOTAL 1,1 3,124.70 1,4 1,828.46 KEY INDICATORS Per Branch Productivity 2,832.68 3,110.45 CD Ratio 35.42 32.86 Per Employee Productivity 751.04 852.18 Recovery (%) 71.63 72.31 CRAR (%) 13.61 9.22 Gross NPA (%) 7.83 13.77 Net NPA (%) 0.00 7.63 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 4,4 4,581.58 4,6 1,597.83 Loan O/s 3.83 Fin. Return 7.56 7.21 Loans Disbursed 6,1 5,493.00 5,6 1,543.00 Deposits 11.92 Fin. Cost 4.51 4.38 Gross NPAs 34 ,829.67 63 ,573.08 Net Profit/Loss(-) ###### Fin. Margin 3.06 2.84 Net NPA - 32 ,696.33 Salary 1.97 3.15 Average Working Fund 13 ,37,517.13 15 ,05,362.71 Other Opt. Exp. 1.45 0.96 Net Profit/Loss (-) 2,0 04.55 -18,8 48.27 Misc. Income 0.90 0.96 Gross Margin 0.52 -0.31 Risk Cost 0.37 0.94 Net Margin 0.15 -1.25 * Baroda Uttar Pradesh Gramin Bank, Kashi Gomti Samyut Gramin Bank and Purvanchal Bank were amalgamated to form Baroda U.P. Bank under the sponsorship of Bank of Baroda with effect from 1 April 2020.

59 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Sarva UP GB State: Uttar Pradesh No. of Districts: No of Branches : No. of Staff : Sponsor Bank: P.N.B. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 5,1 77.81 Cash in Hand 11 ,202.28 Reserves 73 ,906.87 Balances with RBI 35 ,742.69 Balances in Current A/c 8,5 33.47 Deposits 9,6 5,863.09 Balances in Deposit A/c 1,6 9,339.85 Current 31 ,791.14 Other Investments 1,9 7,730.54 Savings 6,4 4,571.99 Loans & Advances (Net) 6,8 1,043.34 Term 2,8 9,499.96 Fixed Assets 3,5 68.36 Borrowings 69 ,086.37 Other Assets 39 ,128.40 NABARD 65 ,553.77 Accumulated Losses - Sponsor Banks 28 .17 Others 3,5 04.43 Other Liabilities 32 ,254.79 TOTAL 11,4 6,288.93 TOTAL 11,4 6,288.93 EXPENDITURE INCOME Interest on Deposits 39 ,211.48 Interest on Advances 61 ,495.24 Interest on RBI/Inter Bk. Funds 5,7 88.29 Interest on Investments & Bank Balances 26 ,384.41 Interest on Others - Commission 49 6.06 Wage Bill 19 ,571.01 Other Income 6,3 34.57 Other Operating Expenses 7,6 50.87 Provisions and Contingencies 11 ,608.19 Income over Expenditure 10 ,880.44 Exp. Over Income - TOTAL 94 ,710.28 TOTAL 94 ,710.28 KEY INDICATORS Per Branch Productivity 3,276.73 CD Ratio 78.11 Per Employee Productivity 899.26 Recovery (%) 86.41 CRAR (%) 12.68 Gross NPA (%) 5.38 Net NPA (%) 1.83 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 7,5 4,418.24 Loan O/s Fin. Return 8.99 Loans Disbursed 5,4 9,704.81 Deposits Fin. Cost 4.60 Gross NPAs 40 ,617.27 Net Profit/Loss(-) Fin. Margin 4.39 Net NPA 12 ,430.01 Salary 2.00 Average Working Fund 9,7 7,662.97 Other Opt. Exp. 0.78 Net Profit/Loss (-) 10 ,880.44 Misc. Income 0.70 Gross Margin 2.30 Risk Cost 1.19 Net Margin 1.11 * Prathama Bank (Syndicate Bank) & Sarva U.P GB (PNB) amalgamated to form Prathama U.P Gramin Bank (PNB) w.e.f 1 April 2019

60 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Prathama U.P. Gramin Bank * State: Uttar Pradesh No. of Districts: 20 No of Branches : 939 No. of Staff : 3984 Sponsor Bank: P.N.B LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 6 ,052.57 Cash in Hand 1 2,562.72 Reserves 1 ,64,733.87 Balances with RBI 7 0,577.67 Balances in Current A/c 3 ,239.27 Deposits 1 8,14,069.18 Balances in Deposit A/c 2 ,13,089.88 Current 6 9,857.09 Other Investments 4 ,39,897.15 Savings 1 2,07,776.29 Loans & Advances (Net) 1 3,82,631.37 Term 5 ,36,435.80 Fixed Assets 6 ,358.75 Borrowings 1 ,76,334.51 Other Assets 9 1,148.35 NABARD 1 ,76,310.15 Accumulated Losses - Sponsor Banks 2 4.36 Others - Other Liabilities 5 8,315.03 TOTAL 2 2,19,505.16 TOTAL 2 2,19,505.16 EXPENDITURE INCOME Interest on Deposits 7 5,713.48 Interest on Advances 1 ,39,385.43 Interest on RBI/Inter Bk. Funds 1 1,257.95 Interest on Investments & Bank Balances 4 7,394.80 Interest on Others - Commission 8 43.67 Wage Bill 4 7,780.14 Other Income 1 8,747.70 Other Operating Expenses 2 2,576.74 Provisions and Contingencies 3 0,300.92 Income over Expenditure 1 8,742.37 Exp. Over Income - TOTAL 2 ,06,371.60 TOTAL 2 ,06,371.60 KEY INDICATORS Per Branch Productivity 3,527.18 CD Ratio 82.57 Per Employee Productivity 831.33 Recovery (%) 78.87 CRAR (%) 12.63 Gross NPA (%) 7.81 Net NPA (%) 1.63 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1 4,97,955.64 Loan O/s Fin. Return 8.67 Loans Disbursed 1 9,97,385.26 Deposits Fin. Cost 4.04 Gross NPAs 1 ,17,049.89 Net Profit/Loss(-) Fin. Margin 4.63 Net NPA 2 2,585.10 Salary 2.22 Average Working Fund 2 1,54,723.46 Other Opt. Exp. 1.05 Net Profit/Loss (-) 1 8,742.37 Misc. Income 0.91 Gross Margin 2.28 Risk Cost 1.41 Net Margin 0.87 *Prathama Bank Sponsored by Syndicate Bank amalgamated with Sarva U.P. Gramin Bank (PNB) to form Prathama U.P. Gramin Bank (PNB) w.e.f 1 April 2019 61 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Uttarakhand GB State: Uttarakhand No. of Districts: 13 No of Branches : 286 No. of Staff : 1105 Sponsor Bank: S.B.I. LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 4,2 14.87 4,2 14.87 Cash in Hand 1,8 78.24 2,8 30.23 Reserves 16 ,998.88 16 ,954.21 Balances with RBI 20 ,100.00 16 ,760.00 Balances in Current A/c 2,7 79.02 7,7 08.70 Deposits 5,0 0,794.02 5,4 6,975.74 Balances in Deposit A/c 70 ,073.61 77 ,363.67 Current 12 ,436.88 12 ,089.61 Other Investments 2,3 0,930.35 2,5 1,796.47 Savings 2,7 2,803.35 2,9 5,503.32 Loans & Advances (Net) 2,1 6,836.43 2,3 1,030.74 Term 2,1 5,553.79 2,3 9,382.81 Fixed Assets 1,3 64.25 1,2 63.97 Borrowings 15 ,076.43 12 ,497.44 Other Assets 10 ,891.23 10 ,110.07 NABARD 14 ,448.19 12 ,056.94 Accumulated Losses - 7,9 23.78 Sponsor Banks - - Others 62 8.24 44 0.50 Other Liabilities 17 ,768.93 26 ,145.37 TOTAL 5,5 4,853.13 6,0 6,787.63 TOTAL 5,5 4,853.13 6,0 6,787.63 EXPENDITURE INCOME Interest on Deposits 23 ,490.32 25 ,813.59 Interest on Advances 20 ,697.65 21 ,952.17 Interest on RBI/Inter Bk. Funds 68 3.14 68 6.35 Interest on Investments & Bank Balances 21 ,671.54 23 ,498.33 Interest on Others - - Commission 1,8 60.15 1,9 96.09 Wage Bill 9,1 00.77 10 ,143.83 Other Income 1,1 61.01 1,4 94.57 Other Operating Expenses 6,0 07.55 18 ,363.81 Provisions and Contingencies 4,6 25.40 1,8 57.36 Income over Expenditure 1,4 83.17 - Exp. Over Income - 7,9 23.78 TOTAL 45 ,390.35 56 ,864.94 TOTAL 45 ,390.35 56 ,864.94 KEY INDICATORS Per Branch Productivity 2,548.63 2,760.14 CD Ratio 45.55 44.32 Per Employee Productivity 627.29 714.39 Recovery (%) 82.95 83.42 CRAR (%) 9.48 6.12 Gross NPA (%) 7.30 7.30 Net NPA (%) 3.21 3.53 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2,2 8,115.33 2,4 2,425.65 Loan O/s 6.27 Fin. Return 8.05 7.97 Loans Disbursed 1,4 5,026.91 1,5 1,192.93 Deposits 9.22 Fin. Cost 4.59 4.64 Gross NPAs 16 ,653.95 17 ,707.72 Net Profit/Loss(-) -634.25 Fin. Margin 3.46 3.32 Net NPA 6,9 54.34 8,1 66.52 Salary 1.73 1.78 Average Working Fund 5,2 6,119.63 5,7 0,560.15 Other Opt. Exp. 1.14 3.22 Net Profit/Loss (-) 1,4 83.17 -7,92 3.78 Misc. Income 0.57 0.61 Gross Margin 1.16 -1.06 Risk Cost 0.88 0.33 Net Margin 0.28 -1.39

62 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Bangiya GVB State: West Bengal No. of Districts: 12 No of Branches : 587 No. of Staff : 2388 Sponsor Bank: United BoI LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 64 ,380.22 83 ,311.22 Cash in Hand 8, 991.90 14 ,322.03 Reserves - - Balances with RBI 65 ,715.30 48 ,880.90 Balances in Current A/c 16 ,846.85 32 ,083.78 Deposits 15 ,47,042.20 16 ,40,647.01 Balances in Deposit A/c - - Current 36 ,369.80 47 ,357.71 Other Investments 9, 29,603.67 9, 89,225.15 Savings 8, 28,419.18 9, 01,753.51 Loans & Advances (Net) 5, 81,987.99 5, 69,461.99 Term 6, 82,253.22 6, 91,535.79 Fixed Assets 3, 891.31 3, 347.25 Borrowings 45 ,242.86 5, 938.01 Other Assets 59 ,435.70 61 ,146.94 NABARD 3, 305.11 1, 000.01 Accumulated Losses 58 ,693.93 1, 04,819.48 Sponsor Banks 36 ,999.75 - Others 4, 938.00 4, 938.00 Other Liabilities 68 ,501.37 93 ,391.28 TOTAL 17 ,25,166.65 18 ,23,287.52 TOTAL 17 ,25,166.65 18 ,23,287.52 EXPENDITURE INCOME Interest on Deposits 76 ,194.78 78 ,623.85 Interest on Advances 50 ,241.00 50 ,524.43 Interest on RBI/Inter Bk. Funds 1, 227.23 81 2.64 Interest on Investments & Bank Balances 68 ,019.96 71 ,346.20 Interest on Others - - Commission 95 5.50 1, 130.36 Wage Bill 47 ,098.02 65 ,636.17 Other Income 8, 229.90 13 ,523.44 Other Operating Expenses 9, 346.02 11 ,148.65 Provisions and Contingencies 21 ,328.39 26 ,428.67 Income over Expenditure - - Exp. Over Income 27 ,748.08 46 ,125.55 TOTAL 1, 55,194.44 1, 82,649.98 TOTAL 1, 55,194.44 1, 82,649.98 KEY INDICATORS Per Branch Productivity 3,711.45 3,869.86 CD Ratio 40.82 38.46 Per Employee Productivity 836.96 951.26 Recovery (%) 66.23 64.95 CRAR (%) 1.91 -3.29 Gross NPA (%) 21.71 21.67 Net NPA (%) 15.04 13.21 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 6, 31,576.03 6, 30,960.62 Loan O/s -0.10 Fin. Return 7.71 7.41 Loans Disbursed 4, 10,064.76 4, 40,100.60 Deposits 6.05 Fin. Cost 5.04 4.83 Gross NPAs 1, 37,133.57 1, 36,716.00 Net Profit/Loss(-) 66.23 Fin. Margin 2.66 2.58 Net NPA 87 ,545.53 75 ,217.00 Salary 3.07 3.99 Average Working Fund 15 ,34,698.00 16 ,44,060.00 Other Opt. Exp. 0.61 0.68 Net Profit/Loss (-) -27 ,748.08 -46 ,125.55 Misc. Income 0.60 0.89 Gross Margin -0.42 -1.20 Risk Cost 1.39 1.61 Net Margin -1.81 -2.81

63 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of RRB: Paschim Banga GB State: West Bengal No. of Districts: 5 No of Branches : 230 No. of Staff : 989 Sponsor Bank: UCO Bank LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 30 ,901.95 30 ,901.95 Cash in Hand 1, 744.10 3, 259.42 Reserves - - Balances with RBI 20 ,647.17 22 ,157.14 Balances in Current A/c 8, 585.53 12 ,569.38 Deposits 5, 18,130.42 5, 53,173.69 Balances in Deposit A/c 1, 25,828.23 1, 37,865.07 Current 4, 619.85 4, 567.50 Other Investments 1, 41,982.58 1, 28,822.66 Savings 2, 79,314.85 3, 01,528.28 Loans & Advances (Net) 2, 73,953.25 2, 79,112.07 Term 2, 34,195.72 2, 47,077.91 Fixed Assets 1, 025.52 1, 065.87 Borrowings 23 ,700.37 13 ,829.60 Other Assets 14 ,143.38 13 ,538.83 NABARD 20 ,979.67 13 ,108.94 Accumulated Losses 10 ,117.08 24 ,389.60 Sponsor Banks 2, 000.00 - Others 72 0.70 72 0.66 Other Liabilities 25 ,294.10 24 ,874.80 TOTAL 5, 98,026.84 6, 22,780.04 TOTAL 5, 98,026.84 6, 22,780.04 EXPENDITURE INCOME Interest on Deposits 24 ,358.05 25 ,809.17 Interest on Advances 24 ,304.35 28 ,628.68 Interest on RBI/Inter Bk. Funds 1, 404.86 91 3.33 Interest on Investments & Bank Balances 19 ,970.90 19 ,660.92 Interest on Others - - Commission 40 8.13 39 7.89 Wage Bill 8, 964.39 26 ,353.90 Other Income 3, 001.29 3, 588.27 Other Operating Expenses 3, 732.19 4, 279.08 Provisions and Contingencies 8, 545.42 9, 192.80 Income over Expenditure 67 9.76 - Exp. Over Income - 14 ,272.52 TOTAL 47 ,684.67 66 ,548.28 TOTAL 47 ,684.67 66 ,548.28 KEY INDICATORS Per Branch Productivity 3,443.84 3,689.83 CD Ratio 52.87 53.42 Per Employee Productivity 785.02 858.10 Recovery (%) 65.68 74.24 CRAR (%) 10.00 3.20 Gross NPA (%) 13.76 14.31 Net NPA (%) 9.05 9.28 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2, 73,953.25 2, 95,488.07 Loan O/s 7.86 Fin. Return 7.94 8.24 Loans Disbursed 1, 99,819.77 2, 91,250.66 Deposits 6.76 Fin. Cost 4.62 4.56 Gross NPAs 37 ,696.09 42 ,286.34 Net Profit/Loss(-) -2199.64 Fin. Margin 3.32 3.68 Net NPA 24 ,793.96 25 ,909.78 Salary 1.61 4.50 Average Working Fund 5, 57,751.61 5, 85,872.63 Other Opt. Exp. 0.67 0.73 Net Profit/Loss (-) 67 9.76 -14 ,272.52 Misc. Income 0.61 0.68 Gross Margin 1.65 -0.87 Risk Cost 1.53 1.57 Net Margin 0.12 -2.44

64 PART III STATE-WISE SUMMARY

65 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Andhra Pradesh Total RRBs: 3 No. of Districts: 10 No of Branches : 995 No. of Staff : 4607 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 6,7 55.53 6,7 55.53 Cash in Hand 25 ,423.56 18 ,785.84 Reserves 3,2 2,754.69 3,7 1,013.84 Balances with RBI 1,1 3,922.02 86 ,209.48 Balances in Current A/c 21 ,917.89 84 ,088.73 Deposits 24 ,53,310.54 28 ,05,388.67 Balances in Deposit A/c 2,6 7,080.64 6,1 8,424.21 Current 96 ,332.05 72 ,300.90 Other Investments 7,1 3,919.89 6,7 3,557.19 Savings 7,4 3,769.12 7,7 5,639.49 Loans & Advances (Net) 23 ,53,787.83 25 ,47,419.48 Term 16 ,13,209.37 19 ,57,448.28 Fixed Assets 8,4 39.63 7,7 31.42 Borrowings 7,2 0,503.93 8,8 0,843.47 Other Assets 1,2 9,191.22 1,8 2,334.75 NABARD 7,1 0,209.57 8,2 6,411.71 Accumulated Losses - - Sponsor Banks 1,4 29.07 50 ,001.30 Others 8,8 65.29 4,4 30.46 Other Liabilities 1,3 0,357.99 1,5 4,549.59 TOTAL 36 ,33,682.68 42 ,18,551.10 TOTAL 36 ,33,682.68 42 ,18,551.10 EXPENDITURE INCOME Interest on Deposits 1,3 4,862.88 1,5 6,500.60 Interest on Advances 2,3 2,699.58 2,6 3,448.91 Interest on RBI/Inter Bk. Funds 45 ,184.73 43 ,216.88 Interest on Investments & Bank Balances 71 ,434.58 77 ,501.49 Interest on Others 2,5 29.95 5,7 71.82 Commission 1,6 87.79 1,5 19.27 Wage Bill 60 ,725.09 78 ,943.96 Other Income 35 ,491.75 46 ,887.86 Other Operating Expenses 20 ,021.74 19 ,807.19 Provisions and Contingencies 38 ,096.07 36 ,857.93 Income over Expenditure 39 ,893.24 48 ,259.15 Exp. Over Income - - No. of RRBs in Profit 3 3 No. of RRBs in Loss 0 0 TOTAL 3,4 1,313.70 3,8 9,357.53 TOTAL 3,4 1,313.70 3,8 9,357.53 KEY INDICATORS Per Branch Productivity 4,887.47 5,421.24 CD Ratio 97.23 92.28 Per Employee Productivity 1,076.44 1,170.86 Recovery (%) 85.02 85.38 Gross NPA (%) 1.75 1.57 Net NPA (%) 0.03 0.04 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 23 ,85,282.15 25 ,88,744.02 Loan O/s 8.53 Fin. Return 9.26 9.35 Loans Disbursed 21 ,24,746.68 24 ,54,546.20 Deposits 14.35 Fin. Cost 5.56 5.63 Gross NPAs 41 ,648.69 40 ,741.52 Net Profit/Loss(-) 20.97 Fin. Margin 3.70 3.71 Net NPA 62 8.34 1,1 25.40 Salary 1.85 2.16 Average Working Fund 32 ,83,447.61 36 ,47,513.91 Other Opt. Exp. 0.61 0.54 Net Profit/Loss (-) 39 ,893.24 48 ,259.15 Misc. Income 1.13 1.33 Gross Margin 2.38 2.33 Risk Cost 1.16 1.01 Net Margin 1.21 1.32

66 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Arunachal Pradesh Total RRBs: 1 No. of Districts: 13 No of Branches : 30 No. of Staff : 104 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 5, 878.04 5, 878.04 Cash in Hand 59 1.59 57 9.83 Reserves - 15 5.00 Balances with RBI 3, 040.50 2, 960.50 Balances in Current A/c 81 3.21 4, 892.21 Deposits 70 ,969.12 73 ,370.89 Balances in Deposit A/c 29 ,293.69 28 ,315.00 Current 13 ,433.52 14 ,259.89 Other Investments 23 ,172.66 24 ,100.75 Savings 35 ,493.45 36 ,829.83 Loans & Advances (Net) 19 ,138.40 15 ,422.91 Term 22 ,042.15 22 ,281.17 Fixed Assets 18 5.75 27 5.85 Borrowings 10 5.93 99 .27 Other Assets 2, 329.82 1, 984.87 NABARD - - Accumulated Losses 3, 782.69 3, 608.98 Sponsor Banks 86 .07 - Others 19 .86 99 .27 Other Liabilities 5, 395.22 2, 637.70 TOTAL 82 ,348.31 82 ,140.90 TOTAL 82 ,348.31 82 ,140.90 EXPENDITURE INCOME Interest on Deposits 3, 204.12 3, 176.87 Interest on Advances 2, 260.41 2, 103.83 Interest on RBI/Inter Bk. Funds 6. 64 - Interest on Investments & Bank Balances 2, 623.68 3, 004.33 Interest on Others - - Commission 17 1.39 13 5.73 Wage Bill 1, 741.53 1, 512.07 Other Income 94 9.56 96 1.05 Other Operating Expenses 55 0.08 57 5.40 Provisions and Contingencies 49 6.60 61 1.89 Income over Expenditure 6. 07 32 8.71 Exp. Over Income - - No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0 TOTAL 6, 005.04 6, 204.94 TOTAL 6, 005.04 6, 204.94 KEY INDICATORS Per Branch Productivity 3,022.06 2,982.52 CD Ratio 27.75 21.95 Per Employee Productivity 855.30 860.34 Recovery (%) 61.28 61.28 Gross NPA (%) 5.01 5.59 Net NPA (%) 2.26 1.04 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 19 ,692.63 16 ,104.79 Loan O/s -18.22 Fin. Return 7.00 7.08 Loans Disbursed 12 ,725.92 6, 811.82 Deposits 3.38 Fin. Cost 4.60 4.40 Gross NPAs 98 7.58 89 9.80 Net Profit/Loss(-) 5,315 Fin. Margin 2.40 2.68 Net NPA 43 3.37 16 0.47 Salary 2.50 2.09 Average Working Fund 69 ,751.51 72 ,186.49 Other Opt. Exp. 0.79 0.80 Net Profit/Loss (-) 6. 07 32 8.71 Misc. Income 1.61 1.52 Gross Margin 0.72 1.30 Risk Cost 0.71 0.85 Net Margin 0.01 0.46

67 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Assam Total RRBs: 1 No. of Districts: 33 No of Branches : 473 No. of Staff : 1847 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 12 ,057.37 16 ,205.37 Cash in Hand 6, 178.85 6, 185.47 Reserves 15 ,891.06 35 ,184.88 Balances with RBI 39 ,749.10 43 ,400.00 Balances in Current A/c 39 ,067.89 24 ,329.28 Deposits 10 ,14,846.72 11 ,11,834.93 Balances in Deposit A/c 1, 59,860.12 2, 60,226.30 Current 58 ,371.32 52 ,034.46 Other Investments 4, 33,309.22 4, 17,625.76 Savings 6, 69,976.04 7, 68,967.19 Loans & Advances (Net) 3, 62,437.39 3, 53,902.95 Term 2, 86,499.36 2, 90,833.28 Fixed Assets 3, 499.99 3, 228.16 Borrowings 35 ,625.73 8, 102.14 Other Assets 65 ,115.54 59 ,167.88 NABARD 15 ,594.07 8, 054.17 Accumulated Losses - 37 ,162.23 Sponsor Banks 19 ,836.65 - Others 19 5.01 47 .97 Other Liabilities 30 ,797.22 33 ,900.71 TOTAL 11, 09,218.10 12 ,05,228.03 TOTAL 11, 09,218.10 12 ,05,228.03 EXPENDITURE INCOME Interest on Deposits 42 ,330.98 44 ,961.08 Interest on Advances 27 ,060.16 24 ,738.89 Interest on RBI/Inter Bk. Funds 1, 485.04 70 6.04 Interest on Investments & Bank Balances 38 ,325.38 41 ,364.45 Interest on Others 10 .74 - Commission 1, 198.17 77 7.32 Wage Bill 18 ,087.63 44 ,719.05 Other Income 4, 793.35 18 ,218.02 Other Operating Expenses 7, 429.16 8, 425.98 Provisions and Contingencies 6, 786.97 5, 054.94 Income over Expenditure 16 7.31 - Exp. Over Income 4, 920.77 18 ,768.41 No. of RRBs in Profit 1 - No. of RRBs in Loss 1 1 TOTAL 76 ,297.83 1, 03,867.09 TOTAL 76 ,297.83 1, 03,867.09 KEY INDICATORS Per Branch Productivity 3,019.79 3,205.34 CD Ratio 40.75 36.36 Per Employee Productivity 733.62 820.86 Recovery (%) 53.75 68.19 Gross NPA (%) 41.67 37.14 Net NPA (%) 33.45 28.19 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 4, 13,513.21 4, 04,290.75 Loan O/s -2.23 Fin. Return 6.22 6.34 Loans Disbursed 85 ,937.43 1, 15,952.90 Deposits 9.56 Fin. Cost 4.17 4.38 Gross NPAs 1, 72,304.59 1, 50,162.30 Net Profit/Loss(-) 294.84 Fin. Margin 2.05 1.96 Net NPA 1, 21,245.72 99 ,774.50 Salary 1.72 4.29 Average Working Fund 10 ,50,914.25 10 ,42,131.55 Other Opt. Exp. 0.71 0.81 Net Profit/Loss (-) -4,7 53.46 -18 ,768.41 Misc. Income 0.57 1.82 Gross Margin 0.19 -1.32 Risk Cost 0.65 0.49 Net Margin -0.45 -1.80

68 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Bihar Total RRBs: 2 No. of Districts: 38 No of Branches : 2110 No. of Staff : 7383 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 73 ,601.33 94 ,867.33 Cash in Hand 23 ,430.96 20 ,960.80 Reserves 33 ,798.46 30 ,598.92 Balances with RBI 1,3 5,540.51 1,4 8,230.89 Balances in Current A/c 32 ,520.75 40 ,510.77 Deposits 34 ,06,126.70 36 ,55,771.96 Balances in Deposit A/c 7,4 3,037.34 7,8 1,429.23 Current 1,2 4,602.01 1,0 3,143.30 Other Investments 13 ,47,841.35 11 ,89,314.57 Savings 22 ,88,628.08 24 ,21,018.59 Loans & Advances (Net) 16 ,07,448.66 16 ,90,551.72 Term 9,9 2,896.61 11 ,31,610.07 Fixed Assets 8,8 33.88 6,3 76.53 Borrowings 5,1 1,490.68 2,6 0,282.07 Other Assets 1,8 1,581.23 2,5 6,444.48 NABARD 4,7 0,354.77 2,4 3,508.98 Accumulated Losses - 59 ,766.16 Sponsor Banks 34 ,368.74 10 ,443.44 Others 6,7 67.17 6,3 29.65 Other Liabilities 55 ,217.51 1,5 2,064.87 TOTAL 40 ,80,234.68 41 ,93,585.15 TOTAL 40 ,80,234.68 41 ,93,585.15 EXPENDITURE INCOME Interest on Deposits 85 ,061.90 1,4 9,971.43 Interest on Advances 76 ,295.49 1,5 2,148.23 Interest on RBI/Inter Bk. Funds 18 ,392.16 22 ,957.17 Interest on Investments & Bank Balances 90 ,184.29 1,5 6,806.82 Interest on Others 64 .65 33 1.65 Commission 4,2 16.33 4,4 81.72 Wage Bill 32 ,848.37 1,0 7,535.23 Other Income 10 ,637.26 21 ,137.50 Other Operating Expenses 33 ,474.21 73 ,982.42 Provisions and Contingencies 32 ,522.31 42 ,762.05 Income over Expenditure 1,6 77.86 - Exp. Over Income 22 ,708.09 62 ,965.68 No. of RRBs in Profit 1 - No. of RRBs in Loss 1 2 TOTAL 2,0 4,041.46 3,9 7,539.95 TOTAL 2,0 4,041.46 3,9 7,539.95 KEY INDICATORS Per Branch Productivity 2,447.77 2,624.87 CD Ratio 51.63 51.50 Per Employee Productivity 664.20 750.16 Recovery (%) 43.26 40.21 Gross NPA (%) 26.61 24.16 Net NPA (%) 19.71 15.54 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 17 ,58,671.47 18 ,82,695.38 Loan O/s 7.05 Fin. Return 4.22 7.78 Loans Disbursed 20 ,73,015.00 18 ,89,096.00 Deposits 7.33 Fin. Cost 2.62 4.36 Gross NPAs 4,6 7,970.80 4,5 4,935.03 Net Profit/Loss(-) 199.41 Fin. Margin 1.60 3.42 Net NPA 3,1 6,748.00 2,6 2,791.29 Salary 0.83 2.71 Average Working Fund 39 ,45,537.47 39 ,70,172.54 Other Opt. Exp. 0.85 1.86 Net Profit/Loss (-) -21,0 30.23 -62,9 65.68 Misc. Income 0.38 0.65 Gross Margin 0.29 -0.51 Risk Cost 0.82 1.08 Net Margin -0.53 -1.59

69 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Chhattisgarh Total RRBs: 1 No. of Districts: 28 No of Branches : 613 No. of Staff : 2290 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 21 ,589.11 21 ,589.11 Cash in Hand 5,0 09.86 5,4 59.17 Reserves 72 ,018.21 72 ,964.44 Balances with RBI 46 ,943.07 37 ,093.27 Balances in Current A/c 1,1 84.39 3,2 79.93 Deposits 10 ,51,784.30 11 ,33,177.20 Balances in Deposit A/c 4,9 7,286.86 3,3 4,159.99 Current 27 ,067.90 31 ,817.30 Other Investments 3,4 0,292.10 5,4 2,555.05 Savings 7,2 2,860.53 7,6 7,859.32 Loans & Advances (Net) 2,8 2,903.32 3,3 8,976.73 Term 3,0 1,855.87 3,3 3,500.58 Fixed Assets 3,0 45.33 3,1 54.28 Borrowings 62 ,767.28 15 ,062.71 Other Assets 83 ,571.75 42 ,915.58 NABARD 4,3 67.32 6,1 53.81 Accumulated Losses - - Sponsor Banks 58 ,135.58 7,5 79.79 Others 26 4.38 1,3 29.11 Other Liabilities 52 ,077.78 64 ,800.54 TOTAL 12 ,60,236.68 13 ,07,594.00 TOTAL 12 ,60,236.68 13 ,07,594.00 EXPENDITURE INCOME Interest on Deposits 44 ,894.49 47 ,919.86 Interest on Advances 22 ,282.89 33 ,572.58 Interest on RBI/Inter Bk. Funds 68 4.61 73 0.65 Interest on Investments & Bank Balances 59 ,701.37 60 ,323.72 Interest on Others - - Commission 8,0 57.72 9,5 36.40 Wage Bill 28 ,967.84 44 ,851.90 Other Income 4,4 44.12 5,9 72.74 Other Operating Expenses 8,1 27.13 8,0 57.78 Provisions and Contingencies 8,4 24.87 6,8 40.20 Income over Expenditure 3,3 87.16 1,0 05.05 Exp. Over Income - - No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0 TOTAL 94 ,486.10 1,0 9,405.44 TOTAL 94 ,486.10 1,0 9,405.44 KEY INDICATORS Per Branch Productivity 2,212.84 2,421.32 CD Ratio 28.97 30.98 Per Employee Productivity 571.14 648.15 Recovery (%) 80.54 82.29 Gross NPA (%) 13.65 5.54 Net NPA (%) 6.98 2.13 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 3,0 4,684.62 3,5 1,094.83 Loan O/s 15.23 Fin. Return 6.84 7.43 Loans Disbursed 1,4 7,236.22 2,3 9,165.02 Deposits 7.74 Fin. Cost 3.80 3.85 Gross NPAs 41 ,591.75 19 ,450.96 Net Profit/Loss(-) -70.33 Fin. Margin 3.04 3.58 Net NPA 19 ,750.45 7,2 31.43 Salary 2.42 3.55 Average Working Fund 11 ,98,265.00 12 ,64,448.85 Other Opt. Exp. 0.68 0.64 Net Profit/Loss (-) 3,3 87.16 1,0 05.05 Misc. Income 1.04 1.23 Gross Margin 0.99 0.62 Risk Cost 0.70 0.54 Net Margin 0.28 0.08

70 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Gujarat Total RRBs: 2 No. of Districts: 33 No of Branches : 748 No. of Staff : 2692 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 10 ,281.50 10 ,281.50 Cash in Hand 5,9 92.47 5,5 70.45 Reserves 64 ,692.93 68 ,135.91 Balances with RBI 55 ,356.26 76 ,975.35 Balances in Current A/c 9,4 30.24 16 ,575.20 Deposits 14 ,03,062.18 15 ,33,316.65 Balances in Deposit A/c 2,2 9,616.68 1,9 8,328.32 Current 43 ,096.70 24 ,765.71 Other Investments 4,3 1,290.85 4,7 7,235.26 Savings 6,2 6,067.93 6,8 1,525.31 Loans & Advances (Net) 8,4 7,726.80 9,2 3,488.33 Term 7,3 3,897.55 8,2 7,025.63 Fixed Assets 3,9 21.85 3,4 26.90 Borrowings 98 ,982.99 89 ,556.24 Other Assets 40 ,674.18 46 ,394.30 NABARD 90 ,303.42 79 ,262.25 Accumulated Losses - - Sponsor Banks 3,4 08.32 3,3 24.30 Others 5,2 71.25 6,9 69.69 Other Liabilities 46 ,989.73 46 ,703.81 TOTAL 16 ,24,009.33 17 ,47,994.11 TOTAL 16 ,24,009.33 17 ,47,994.11 EXPENDITURE INCOME Interest on Deposits 68 ,072.34 74 ,136.30 Interest on Advances 79 ,137.17 84 ,210.16 Interest on RBI/Inter Bk. Funds 5,5 48.83 5,2 71.22 Interest on Investments & Bank Balances 42 ,551.56 49 ,072.53 Interest on Others 13 .14 31 .84 Commission 6,1 57.50 6,4 37.39 Wage Bill 26 ,892.45 43 ,151.14 Other Income 4,8 52.93 8,0 47.55 Other Operating Expenses 11 ,358.84 11 ,215.11 Provisions and Contingencies 17 ,436.30 10 ,519.02 Income over Expenditure 3,3 77.26 3,4 43.00 Exp. Over Income - - No. of RRBs in Profit 3 2 No. of RRBs in Loss 0 0 TOTAL 1,3 2,699.16 1,4 7,767.63 TOTAL 1,3 2,699.16 1,4 7,767.63 KEY INDICATORS Per Branch Productivity 2,995.08 3,305.15 CD Ratio 61.38 61.24 Per Employee Productivity 819.50 918.37 Recovery (%) 88.70 87.78 Gross NPA (%) 4.03 3.92 Net NPA (%) 2.16 1.77 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 8,6 1,221.85 9,3 8,934.90 Loan O/s 9.02 Fin. Return 7.99 7.91 Loans Disbursed 6,2 1,181.85 6,3 6,488.98 Deposits 9.28 Fin. Cost 4.83 4.72 Gross NPAs 34 ,728.61 36 ,791.49 Net Profit/Loss(-) 1.95 Fin. Margin 3.15 3.20 Net NPA 18 ,307.74 16 ,357.91 Salary 1.76 2.56 Average Working Fund 15 ,23,891.46 16 ,84,325.31 Other Opt. Exp. 0.75 0.67 Net Profit/Loss (-) 3,3 77.26 3,4 43.00 Misc. Income 0.72 0.86 Gross Margin 1.37 0.83 Risk Cost 1.14 0.62 Net Margin 0.22 0.20

71 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Haryana Total RRBs: 1 No. of Districts: 22 No of Branches : 654 No. of Staff : 3121 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 4,6 27.56 4,6 27.56 Cash in Hand 5,6 48.35 6,5 57.94 Reserves 1,5 7,686.47 1,5 7,984.37 Balances with RBI 58 ,409.52 55 ,456.09 Balances in Current A/c 3,6 96.81 2,0 93.96 Deposits 14 ,54,756.58 16 ,18,912.46 Balances in Deposit A/c 1,2 3,035.00 80 ,535.00 Current 21 ,940.26 13 ,028.37 Other Investments 6,2 4,482.55 7,6 8,740.14 Savings 7,9 2,305.37 8,5 6,755.60 Loans & Advances (Net) 9,1 4,952.36 9,5 7,452.65 Term 6,4 0,510.95 7,4 9,128.49 Fixed Assets 7,0 20.77 6,3 00.53 Borrowings 1,6 0,906.70 1,4 5,022.89 Other Assets 57 ,349.16 61 ,762.32 NABARD 1,1 7,767.32 92 ,843.21 Accumulated Losses - - Sponsor Banks 32 ,398.83 52 ,149.57 Others 10 ,740.55 30 .11 Other Liabilities 16 ,617.21 12 ,351.35 TOTAL 17 ,94,594.52 19 ,38,898.63 TOTAL 17 ,94,594.52 19 ,38,898.63 EXPENDITURE INCOME Interest on Deposits 72 ,091.09 80 ,796.47 Interest on Advances 77 ,257.16 82 ,885.27 Interest on RBI/Inter Bk. Funds 5,0 83.79 5,9 83.70 Interest on Investments & Bank Balances 52 ,932.29 60 ,851.51 Interest on Others - - Commission 70 1.33 60 9.96 Wage Bill 25 ,444.11 46 ,205.15 Other Income 11 ,903.76 14 ,745.44 Other Operating Expenses 10 ,725.85 12 ,602.48 Provisions and Contingencies 37 ,752.61 13 ,206.47 Income over Expenditure - 29 7.91 Exp. Over Income 8,3 02.91 - No. of RRBs in Profit - 1 No. of RRBs in Loss 1 0 TOTAL 1,5 1,097.45 1,5 9,092.18 TOTAL 1,5 1,097.45 1,5 9,092.18 KEY INDICATORS Per Branch Productivity 3,687.80 4,026.48 CD Ratio 65.79 62.66 Per Employee Productivity 752.99 843.74 Recovery (%) 67.50 63.98 Gross NPA (%) 12.72 11.57 Net NPA (%) 8.71 6.31 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 9,5 7,065.49 10 ,14,403.00 Loan O/s 5.99 Fin. Return 7.54 7.58 Loans Disbursed 9,4 4,416.42 9,3 6,929.42 Deposits 11.28 Fin. Cost 4.47 4.58 Gross NPAs 1,2 1,768.02 1,1 7,339.94 Net Profit/Loss(-) -103.59 Fin. Margin 3.07 3.00 Net NPA 79 ,654.88 60 ,389.59 Salary 1.47 2.44 Average Working Fund 17 ,26,852.00 18 ,95,675.98 Other Opt. Exp. 0.62 0.66 Net Profit/Loss (-) -8,30 2.91 29 7.91 Misc. Income 0.73 0.81 Gross Margin 1.71 0.71 Risk Cost 2.19 0.70 Net Margin -0.48 0.02

72 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Himachal Pradesh Total RRBs: 1 No. of Districts: 12 No of Branches : 265 No. of Staff : 867 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1,5 43.62 1,5 43.62 Cash in Hand 1,8 40.46 2,3 96.35 Reserves 12 ,191.00 12 ,333.30 Balances with RBI 20 ,075.84 22 ,805.80 Balances in Current A/c 82 1.25 6,9 94.65 Deposits 5,0 9,792.28 5,8 1,113.31 Balances in Deposit A/c 1,5 4,742.68 81 ,603.38 Current 9,0 36.62 11 ,714.72 Other Investments 1,9 6,501.39 3,1 1,304.16 Savings 2,0 0,825.74 2,2 5,585.64 Loans & Advances (Net) 1,7 7,199.67 2,0 4,881.46 Term 2,9 9,929.92 3,4 3,812.95 Fixed Assets 1,0 74.12 95 8.02 Borrowings 39 ,305.69 42 ,235.10 Other Assets 17 ,137.45 14 ,430.93 NABARD 28 ,253.57 31 ,325.86 Accumulated Losses - - Sponsor Banks 10 ,652.52 9,3 34.24 Others 39 9.60 1,5 75.00 Other Liabilities 6,5 60.27 8,1 49.42 TOTAL 5,6 9,392.86 6,4 5,374.75 TOTAL 5,6 9,392.86 6,4 5,374.75 EXPENDITURE INCOME Interest on Deposits 26 ,027.81 28 ,944.16 Interest on Advances 15 ,379.31 18 ,632.22 Interest on RBI/Inter Bk. Funds 1,9 50.21 1,6 52.00 Interest on Investments & Bank Balances 25 ,889.05 30 ,208.90 Interest on Others - 16 0.27 Commission 11 4.89 1,2 93.10 Wage Bill 6,9 85.17 14 ,002.25 Other Income 1,4 71.01 1,0 37.36 Other Operating Expenses 2,8 14.84 5,1 62.28 Provisions and Contingencies 4,5 58.17 1,1 71.75 Income over Expenditure 51 8.06 78 .87 Exp. Over Income - - No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0 TOTAL 42 ,854.26 51 ,171.58 TOTAL 42 ,854.26 51 ,171.58 KEY INDICATORS Per Branch Productivity 2,620.31 2,990.88 CD Ratio 36.21 36.39 Per Employee Productivity 756.41 914.17 Recovery (%) 86.32 88.75 Gross NPA (%) 6.92 5.77 Net NPA (%) 3.04 2.74 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1,8 4,589.84 2,1 1,469.24 Loan O/s 14.56 Fin. Return 7.74 8.21 Loans Disbursed 1,3 6,307.01 1,9 3,159.43 Deposits 13.99 Fin. Cost 5.25 5.17 Gross NPAs 12 ,776.24 12 ,196.43 Net Profit/Loss(-) -84.78 Fin. Margin 2.49 3.04 Net NPA 5,3 86.07 5,6 08.10 Salary 1.31 2.35 Average Working Fund 5,3 2,946.87 5,9 5,191.17 Other Opt. Exp. 0.53 0.87 Net Profit/Loss (-) 51 8.06 78 .87 Misc. Income 0.30 0.39 Gross Margin 0.95 0.21 Risk Cost 0.86 0.20 Net Margin 0.10 0.01

73 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Jammu & Kashmir Total RRBs: 2 No. of Districts: 26 No of Branches : 333 No. of Staff : 1380 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 30 ,548.28 31 ,331.73 Cash in Hand 1, 036.38 1, 289.77 Reserves 7, 991.64 7, 991.64 Balances with RBI 18 ,974.44 20 ,781.90 Balances in Current A/c 1, 291.20 4, 496.19 Deposits 4, 86,131.19 5, 20,689.84 Balances in Deposit A/c 1, 62,867.18 1, 46,908.16 Current 15 ,556.86 14 ,732.27 Other Investments 1, 27,116.15 1, 33,519.74 Savings 2, 36,273.42 2, 46,071.71 Loans & Advances (Net) 2, 18,533.38 2, 50,101.68 Term 2, 34,300.91 2, 59,885.86 Fixed Assets 1, 743.53 2, 012.24 Borrowings 26 ,112.97 17 ,643.11 Other Assets 14 ,607.55 16 ,388.40 NABARD 24 ,946.20 16 ,065.41 Accumulated Losses 18 ,868.02 35 ,508.47 Sponsor Banks - - Others 1, 166.77 1, 577.70 Other Liabilities 14 ,253.75 33 ,350.23 TOTAL 5, 65,037.83 6, 11,006.55 TOTAL 5, 65,037.83 6, 11,006.55 EXPENDITURE INCOME Interest on Deposits 23 ,591.25 25 ,670.09 Interest on Advances 21 ,276.88 23 ,030.51 Interest on RBI/Inter Bk. Funds 1, 788.20 55 .08 Interest on Investments & Bank Balances 20 ,860.68 22 ,621.78 Interest on Others - 1, 647.68 Commission 66 4.26 53 8.04 Wage Bill 11 ,940.69 29 ,569.87 Other Income 91 9.49 86 1.12 Other Operating Expenses 4, 258.04 4, 098.07 Provisions and Contingencies 3, 075.05 2, 651.11 Income over Expenditure 80 6.01 - Exp. Over Income 1, 737.93 16 ,640.45 No. of RRBs in Profit 1 - No. of RRBs in Loss 1 2 TOTAL 45 ,459.24 63 ,691.90 TOTAL 45 ,459.24 63 ,691.90 KEY INDICATORS Per Branch Productivity 2,145.17 2,356.75 CD Ratio 47.39 50.72 Per Employee Productivity 521.84 568.69 Recovery (%) 66.98 73.84 Gross NPA (%) 10.86 11.27 Net NPA (%) 6.04 6.30 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2, 30,356.99 2, 64,106.96 Loan O/s 14.65 Fin. Return 8.20 7.75 Loans Disbursed 1, 24,504.32 1, 66,459.86 Deposits 7.11 Fin. Cost 4.94 4.65 Gross NPAs 25 ,017.69 29 ,772.08 Net Profit/Loss(-) 1,686 Fin. Margin 3.26 3.10 Net NPA 13 ,194.08 15 ,766.80 Salary 2.32 5.02 Average Working Fund 5, 13,672.78 5, 89,271.38 Other Opt. Exp. 0.83 0.70 Net Profit/Loss (-) -93 1.92 -16 ,640.45 Misc. Income 0.31 0.24 Gross Margin 0.42 -2.37 Risk Cost 0.60 0.45 Net Margin -0.18 -2.82

74 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Jharkhand Total RRBs: 1 No. of Districts: 24 No of Branches : 443 No. of Staff : 1675 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 24 ,767.09 24 ,767.09 Cash in Hand 3,6 87.39 3,1 14.82 Reserves 7,6 65.29 11 ,832.11 Balances with RBI 29 ,026.88 30 ,802.88 Balances in Current A/c 5,5 29.55 4,0 20.12 Deposits 7,0 6,872.35 7,5 8,814.58 Balances in Deposit A/c 29 ,814.88 1,2 7,347.95 Current 10 ,722.35 13 ,237.43 Other Investments 4,3 9,584.03 3,6 3,688.85 Savings 4,4 0,491.61 4,9 1,445.10 Loans & Advances (Net) 2,5 4,686.99 2,8 6,271.99 Term 2,5 5,658.39 2,5 4,132.05 Fixed Assets 1,1 26.07 1,0 90.04 Borrowings 10 ,656.94 12 ,713.67 Other Assets 20 ,668.37 40 ,465.93 NABARD 9,4 30.87 11 ,500.12 Accumulated Losses - - Sponsor Banks 34 1.40 58 .17 Others 88 4.67 1,1 55.38 Other Liabilities 34 ,162.49 48 ,675.13 TOTAL 7,8 4,124.16 8,5 6,802.58 TOTAL 7,8 4,124.16 8,5 6,802.58 EXPENDITURE INCOME Interest on Deposits 34 ,033.31 33 ,842.48 Interest on Advances 22 ,057.40 26 ,335.60 Interest on RBI/Inter Bk. Funds 61 8.76 85 0.34 Interest on Investments & Bank Balances 34 ,914.77 30 ,954.18 Interest on Others - 29 .90 Commission 2,9 82.62 1,3 46.00 Wage Bill 12 ,222.19 12 ,610.46 Other Income 4,8 22.04 17 ,747.87 Other Operating Expenses 4,9 87.03 5,0 50.29 Provisions and Contingencies 10 ,440.91 19 ,833.39 Income over Expenditure 2,4 74.63 4,1 66.79 Exp. Over Income - - No. of RRBs in Profit 2 1 No. of RRBs in Loss 0 0 TOTAL 64 ,776.83 76 ,383.65 TOTAL 64 ,776.83 76 ,383.65 KEY INDICATORS Per Branch Productivity 2,215.32 2,399.24 CD Ratio 38.83 40.07 Per Employee Productivity 583.81 634.55 Recovery (%) 62.14 62.34 Gross NPA (%) 10.79 9.05 Net NPA (%) 3.54 3.38 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2,7 4,512.22 3,0 4,050.24 Loan O/s 10.76 Fin. Return 6.54 7.00 Loans Disbursed 1,0 8,669.85 2,5 7,831.10 Deposits 7.35 Fin. Cost 3.98 4.24 Gross NPAs 29 ,610.90 27 ,528.15 Net Profit/Loss(-) 68.38 Fin. Margin 2.56 2.76 Net NPA 9,0 12.84 9,6 86.00 Salary 1.40 1.54 Average Working Fund 8,7 1,001.07 8,1 8,148.00 Other Opt. Exp. 0.57 0.62 Net Profit/Loss (-) 2,4 74.63 4,1 66.79 Misc. Income 0.90 2.33 Gross Margin 1.48 2.93 Risk Cost 1.20 2.42 Net Margin 0.28 0.51

75 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Karnataka Total RRBs: 2 No. of Districts: 30 No of Branches : 1775 No. of Staff : 8611 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 14 ,161.14 14 ,161.14 Cash in Hand 30 ,887.05 27 ,450.25 Reserves 3,6 4,019.38 3,0 5,384.13 Balances with RBI 1,8 4,843.49 1,2 9,922.78 Balances in Current A/c 76 ,914.67 69 ,968.32 Deposits 39 ,32,981.55 43 ,61,388.66 Balances in Deposit A/c 4,6 0,775.60 8,7 7,022.70 Current 99 ,649.74 1,1 3,355.37 Other Investments 9,9 2,080.41 11 ,29,768.93 Savings 13 ,72,194.74 15 ,45,114.42 Loans & Advances (Net) 31 ,35,310.21 30 ,89,144.88 Term 24 ,61,137.07 27 ,02,918.87 Fixed Assets 9,8 58.21 10 ,261.44 Borrowings 4,9 1,608.20 6,2 3,419.77 Other Assets 1,6 2,099.77 1,7 1,342.23 NABARD 4,7 1,314.50 5,2 5,251.20 Accumulated Losses - - Sponsor Banks 6,2 19.37 81 ,397.82 Others 14 ,074.33 16 ,770.75 Other Liabilities 2,4 9,999.14 2,0 0,527.83 TOTAL 50 ,52,769.41 55 ,04,881.53 TOTAL 50 ,52,769.41 55 ,04,881.53 EXPENDITURE INCOME Interest on Deposits 2,2 1,011.62 2,3 1,026.25 Interest on Advances 3,2 6,698.90 3,0 3,337.70 Interest on RBI/Inter Bk. Funds 36 ,731.32 27 ,165.21 Interest on Investments & Bank Balances 1,0 1,597.32 1,1 5,190.73 Interest on Others - 1,3 01.29 Commission 5,4 63.42 1,1 21.47 Wage Bill 78 ,516.31 1,1 9,766.00 Other Income 30 ,041.44 52 ,971.74 Other Operating Expenses 68 ,305.84 42 ,611.47 Provisions and Contingencies 43 ,033.33 1,0 9,386.66 Income over Expenditure 16 ,202.66 1,8 61.05 Exp. Over Income - 60 ,496.29 No. of RRBs in Profit 3 1 No. of RRBs in Loss 0 1 TOTAL 4,6 3,801.08 5,3 3,117.93 TOTAL 4,6 3,801.08 5,3 3,117.93 KEY INDICATORS Per Branch Productivity 3,978.10 4,292.34 CD Ratio 82.37 74.69 Per Employee Productivity 806.81 884.79 Recovery (%) 69.00 74.08 Gross NPA (%) 6.97 11.47 Net NPA (%) 3.87 6.52 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 32 ,39,528.66 32 ,57,512.50 Loan O/s 0.56 Fin. Return 8.74 7.96 Loans Disbursed 12 ,60,943.98 14 ,76,801.99 Deposits 10.89 Fin. Cost 5.26 4.94 Gross NPAs 2,2 5,707.61 3,7 3,759.01 Net Profit/Loss(-) -461.89 Fin. Margin 3.48 3.03 Net NPA 1,2 1,489.00 2,0 1,477.02 Salary 1.60 2.28 Average Working Fund 48 ,99,073.72 52 ,57,236.40 Other Opt. Exp. 1.39 0.81 Net Profit/Loss (-) 16 ,202.66 -58,6 35.24 Misc. Income 0.72 1.03 Gross Margin 1.21 0.97 Risk Cost 0.88 2.08 Net Margin 0.33 -1.12

76 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Kerala Total RRBs: 1 No. of Districts: 14 No of Branches : 634 No. of Staff : 3519 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 84 1.43 84 1.43 Cash in Hand 15 ,300.25 15 ,139.38 Reserves 78 ,595.39 79 ,033.33 Balances with RBI 60 ,088.65 47 ,182.30 Balances in Current A/c 17 4.28 27 6.09 Deposits 16 ,87,966.18 19 ,25,356.07 Balances in Deposit A/c 20 ,034.24 1,1 3,154.38 Current 27 ,597.74 19 ,496.29 Other Investments 3,6 4,157.92 3,6 3,455.90 Savings 6,1 3,485.99 6,5 2,889.30 Loans & Advances (Net) 15 ,31,957.20 16 ,45,128.38 Term 10 ,46,882.45 12 ,52,970.48 Fixed Assets 10 ,003.71 9,2 10.50 Borrowings 2,7 7,832.66 2,6 8,218.77 Other Assets 95 ,960.62 1,1 5,953.77 NABARD 2,2 0,630.09 2,1 2,804.48 Accumulated Losses - 5,5 70.24 Sponsor Banks 2,2 71.28 41 8.60 Others 54 ,931.29 54 ,995.69 Other Liabilities 52 ,441.21 41 ,621.34 TOTAL 20 ,97,676.87 23 ,15,070.94 TOTAL 20 ,97,676.87 23 ,15,070.94 EXPENDITURE INCOME Interest on Deposits 96 ,070.04 1,0 7,599.48 Interest on Advances 1,5 4,964.65 1,5 9,806.24 Interest on RBI/Inter Bk. Funds 27 ,568.28 16 ,168.59 Interest on Investments & Bank Balances 32 ,526.11 30 ,030.38 Interest on Others 10 ,047.92 12 ,479.84 Commission 13 ,011.65 17 ,807.07 Wage Bill 43 ,637.40 56 ,596.11 Other Income 2,1 12.50 6,6 86.50 Other Operating Expenses 14 ,440.22 17 ,097.58 Provisions and Contingencies 10 ,672.05 9,4 89.65 Income over Expenditure 17 9.00 - Exp. Over Income - 5,1 01.06 No. of RRBs in Profit 1 - No. of RRBs in Loss 0 1 TOTAL 2,0 2,614.91 2,1 9,431.25 TOTAL 2,0 2,614.91 2,1 9,431.25 KEY INDICATORS Per Branch Productivity 5,492.00 5,863.31 CD Ratio 105.95 93.07 Per Employee Productivity 955.06 1,056.36 Recovery (%) 96.14 95.70 Gross NPA (%) 3.36 4.30 Net NPA (%) 2.24 2.51 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 17 ,88,470.28 17 ,91,981.15 Loan O/s 0.20 Fin. Return 8.14 7.90 Loans Disbursed 18 ,21,604.57 17 ,68,049.01 Deposits 14.06 Fin. Cost 5.81 5.67 Gross NPAs 60 ,114.59 77 ,107.74 Net Profit/Loss(-) -2949.75 Fin. Margin 2.34 2.23 Net NPA 34 ,365.00 41 ,254.96 Salary 1.90 2.36 Average Working Fund 23 ,02,506.53 24 ,02,886.22 Other Opt. Exp. 0.63 0.71 Net Profit/Loss (-) 17 9.00 -5,10 1.06 Misc. Income 0.66 1.02 Gross Margin 0.47 0.18 Risk Cost 0.46 0.39 Net Margin 0.01 -0.21

77 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Madhya Pradesh Total RRBs: 2 No. of Districts: 52 No of Branches : 1320 No. of Staff : 4868 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 59 ,479.19 68 ,823.98 Cash in Hand 9,7 88.15 12 ,647.93 Reserves 58 ,282.01 64 ,950.23 Balances with RBI 88 ,592.28 94 ,723.51 Balances in Current A/c 36 ,713.39 38 ,188.93 Deposits 21 ,52,703.02 23 ,21,941.81 Balances in Deposit A/c 3,8 0,025.84 2,7 1,153.35 Current 54 ,801.78 59 ,536.40 Other Investments 7,6 4,573.50 8,9 2,248.18 Savings 10 ,45,135.00 11 ,12,355.64 Loans & Advances (Net) 10 ,98,207.13 11 ,37,459.73 Term 10 ,52,766.24 11 ,50,049.77 Fixed Assets 6,3 04.42 5,9 19.34 Borrowings 1,5 7,920.01 77 ,425.98 Other Assets 86 ,707.55 73 ,108.15 NABARD 76 ,807.96 19 ,725.11 Accumulated Losses 37 ,890.95 1,2 0,433.68 Sponsor Banks 40 ,765.79 22 ,780.82 Others 40 ,346.26 34 ,920.05 Other Liabilities 80 ,418.98 1,1 2,740.80 TOTAL 25 ,08,803.21 26 ,45,882.80 TOTAL 25 ,08,803.21 26 ,45,882.80 EXPENDITURE INCOME Interest on Deposits 1,0 6,734.64 1,1 3,560.90 Interest on Advances 83 ,695.53 87 ,573.35 Interest on RBI/Inter Bk. Funds 4,1 55.46 4,2 43.40 Interest on Investments & Bank Balances 85 ,310.48 90 ,961.23 Interest on Others 5,9 72.21 1,8 07.40 Commission 5,5 34.40 8,7 64.14 Wage Bill 53 ,074.76 1,1 5,778.11 Other Income 8,0 97.41 7,8 43.97 Other Operating Expenses 20 ,916.65 15 ,859.45 Provisions and Contingencies 30 ,161.61 19 ,830.30 Income over Expenditure - - Exp. Over Income 38 ,377.51 75 ,936.87 No. of RRBs in Profit - - No. of RRBs in Loss 3 2 TOTAL 2,2 1,015.33 2,7 1,079.56 TOTAL 2,2 1,015.33 2,7 1,079.56 KEY INDICATORS Per Branch Productivity 2,528.83 2,695.18 CD Ratio 55.06 53.22 Per Employee Productivity 697.17 730.82 Recovery (%) 72.29 67.76 Gross NPA (%) 23.01 22.69 Net NPA (%) 17.44 16.01 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 11 ,85,358.71 12 ,35,700.93 Loan O/s 4.25 Fin. Return 6.78 6.73 Loans Disbursed 6,4 0,700.40 5,7 9,014.32 Deposits 7.86 Fin. Cost 4.68 4.51 Gross NPAs 2,7 2,695.67 2,8 0,404.12 Net Profit/Loss(-) 97.87 Fin. Margin 2.09 2.22 Net NPA 1,9 1,507.35 1,8 2,087.91 Salary 2.13 4.37 Average Working Fund 24 ,94,528.63 26 ,51,303.86 Other Opt. Exp. 0.84 0.60 Net Profit/Loss (-) -38,3 77.51 -75,9 36.87 Misc. Income 0.55 0.63 Gross Margin -0.33 -2.12 Risk Cost 1.21 0.75 Net Margin -1.54 -2.86

78 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Maharashtra Total RRBs: 2 No. of Districts: 34 No of Branches : 734 No. of Staff : 2950 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 33 ,125.89 35 ,870.88 Cash in Hand 13 ,341.04 11 ,502.87 Reserves 30 ,895.41 34 ,394.92 Balances with RBI 65 ,097.89 50 ,943.45 Balances in Current A/c 20 ,812.19 30 ,124.21 Deposits 14 ,03,144.09 15 ,84,998.67 Balances in Deposit A/c 2,3 4,712.67 3,6 2,262.89 Current 57 ,488.73 52 ,795.05 Other Investments 5,2 0,918.27 4,6 6,692.77 Savings 7,1 7,592.78 8,3 2,214.24 Loans & Advances (Net) 6,9 9,708.04 7,2 6,207.18 Term 6,2 8,062.58 6,9 9,989.38 Fixed Assets 3,5 63.93 4,5 18.91 Borrowings 94 ,444.25 38 ,046.17 Other Assets 29 ,928.58 32 ,144.00 NABARD 38 ,820.02 33 ,168.74 Accumulated Losses 7,7 10.68 41 ,742.91 Sponsor Banks - - Others 55 ,624.23 4,8 77.43 Other Liabilities 34 ,183.65 32 ,828.55 TOTAL 15 ,95,793.29 17 ,26,139.19 TOTAL 15 ,95,793.29 17 ,26,139.19 EXPENDITURE INCOME Interest on Deposits 65 ,367.83 68 ,694.98 Interest on Advances 68 ,515.39 71 ,371.21 Interest on RBI/Inter Bk. Funds 5,2 34.49 3,2 82.69 Interest on Investments & Bank Balances 47 ,748.50 50 ,786.05 Interest on Others - - Commission 1,1 58.86 1,1 04.54 Wage Bill 31 ,144.90 66 ,089.47 Other Income 12 ,189.43 12 ,167.05 Other Operating Expenses 14 ,494.11 15 ,386.57 Provisions and Contingencies 7,4 52.20 12 ,507.87 Income over Expenditure 5,9 18.65 2,7 19.21 Exp. Over Income - 33 ,251.94 No. of RRBs in Profit 2 1 No. of RRBs in Loss 0 1 TOTAL 1,2 9,612.18 1,6 8,680.79 TOTAL 1,2 9,612.18 1,6 8,680.79 KEY INDICATORS Per Branch Productivity 2,897.10 3,202.68 CD Ratio 52.58 48.31 Per Employee Productivity 732.70 796.87 Recovery (%) 55.50 57.21 Gross NPA (%) 11.46 11.39 Net NPA (%) 6.64 6.56 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 7,3 7,815.52 7,6 5,771.35 Loan O/s 3.79 Fin. Return 7.54 7.52 Loans Disbursed 3,3 2,782.15 3,2 0,895.17 Deposits 12.96 Fin. Cost 4.58 4.43 Gross NPAs 84 ,536.85 87 ,205.53 Net Profit/Loss(-) -615.87 Fin. Margin 2.96 3.09 Net NPA 46 ,439.38 47 ,648.80 Salary 2.02 4.07 Average Working Fund 15 ,42,822.61 16 ,23,792.45 Other Opt. Exp. 0.94 0.95 Net Profit/Loss (-) 5,9 18.65 -30,5 32.73 Misc. Income 0.87 0.82 Gross Margin 0.87 -1.11 Risk Cost 0.48 0.77 Net Margin 0.38 -1.88

79 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Manipur Total RRBs: 1 No. of Districts: 10 No of Branches : 27 No. of Staff : 97 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 5,3 88.03 5,8 56.03 Cash in Hand 67 .25 90 .02 Reserves 1.2 2 1.2 2 Balances with RBI 1,1 86.84 1,1 91.84 Balances in Current A/c 3,5 99.62 2,5 61.36 Deposits 29 ,542.71 31 ,380.30 Balances in Deposit A/c 3,3 31.64 4,6 46.18 Current 4,4 61.47 4,2 08.54 Other Investments 12 ,389.57 10 ,198.07 Savings 17 ,858.71 19 ,351.68 Loans & Advances (Net) 13 ,625.93 15 ,306.32 Term 7,2 22.53 7,8 20.08 Fixed Assets 10 0.05 17 3.71 Borrowings 3,6 35.79 2,9 17.95 Other Assets 39 3.17 3,4 41.14 NABARD 1,4 31.74 64 3.95 Accumulated Losses 4,8 67.49 5,1 43.39 Sponsor Banks 2,0 30.05 2,1 00.00 Others 17 4.00 17 4.00 Other Liabilities 99 3.81 2,5 96.53 TOTAL 39 ,561.56 42 ,752.03 TOTAL 39 ,561.56 42 ,752.03 EXPENDITURE INCOME Interest on Deposits 1,0 48.09 1,0 95.05 Interest on Advances 1,3 00.86 1,3 81.59 Interest on RBI/Inter Bk. Funds 12 6.16 87 .49 Interest on Investments & Bank Balances 1,1 60.34 1,0 55.71 Interest on Others - - Commission 22 .28 37 .26 Wage Bill 86 1.72 1,6 22.89 Other Income 41 4.69 74 7.69 Other Operating Expenses 37 3.40 48 8.09 Provisions and Contingencies 67 5.07 20 4.63 Income over Expenditure - - Exp. Over Income 18 6.27 27 5.90 No. of RRBs in Profit - - No. of RRBs in Loss 1 1 TOTAL 3,0 84.44 3,4 98.15 TOTAL 3,0 84.44 3,4 98.15 KEY INDICATORS Per Branch Productivity 1,691.86 1,766.90 CD Ratio 48.90 52.03 Per Employee Productivity 407.30 491.82 Recovery (%) 71.66 70.12 Gross NPA (%) 20.68 19.76 Net NPA (%) 15.91 14.41 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 14 ,445.55 16 ,325.95 Loan O/s 13.02 Fin. Return 7.67 7.28 Loans Disbursed 5,6 28.87 5,7 28.94 Deposits 6.22 Fin. Cost 3.66 3.53 Gross NPAs 2,9 88.01 3,2 25.67 Net Profit/Loss(-) 48.12 Fin. Margin 4.01 3.75 Net NPA 2,1 68.38 2,2 06.04 Salary 2.68 4.85 Average Working Fund 32 ,104.83 33 ,490.37 Other Opt. Exp. 1.16 1.46 Net Profit/Loss (-) -186 .27 -275 .90 Misc. Income 1.36 2.34 Gross Margin 1.52 -0.21 Risk Cost 2.10 0.61 Net Margin -0.58 -0.82

80 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Meghalaya Total RRBs: 1 No. of Districts: 11 No of Branches : 90 No. of Staff : 399 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 25 9.76 25 9.76 Cash in Hand 1,0 02.62 1,2 02.57 Reserves 16 ,021.70 16 ,076.13 Balances with RBI 8,8 16.84 9,4 16.84 Balances in Current A/c 8,8 02.97 7,5 32.97 Deposits 2,1 3,625.97 2,2 6,588.64 Balances in Deposit A/c 96 ,723.72 1,0 1,632.10 Current 15 ,580.37 11 ,484.61 Other Investments 51 ,509.60 53 ,942.00 Savings 1,3 2,593.06 1,4 3,472.49 Loans & Advances (Net) 65 ,783.85 69 ,628.02 Term 65 ,452.54 71 ,631.54 Fixed Assets 62 5.41 79 2.03 Borrowings 3,0 16.95 3,7 09.12 Other Assets 10 ,000.66 12 ,989.00 NABARD 2,8 28.63 3,1 75.31 Accumulated Losses - - Sponsor Banks - - Others 18 8.32 53 3.81 Other Liabilities 10 ,341.29 10 ,501.88 TOTAL 2,4 3,265.67 2,5 7,135.53 TOTAL 2,4 3,265.67 2,5 7,135.53 EXPENDITURE INCOME Interest on Deposits 8,5 97.11 9,5 94.65 Interest on Advances 6,7 73.85 6,7 00.19 Interest on RBI/Inter Bk. Funds 13 9.87 15 1.31 Interest on Investments & Bank Balances 10 ,245.64 10 ,887.75 Interest on Others - 4.7 6 Commission 18 1.11 16 8.04 Wage Bill 3,1 11.11 4,6 50.87 Other Income 92 4.97 1,0 04.46 Other Operating Expenses 3,3 03.20 1,4 03.19 Provisions and Contingencies 2,8 93.77 2,9 01.23 Income over Expenditure 80 .51 54 .43 Exp. Over Income - - No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0 TOTAL 18 ,125.57 18 ,760.44 TOTAL 18 ,125.57 18 ,760.44 KEY INDICATORS Per Branch Productivity 3,020.32 3,360.58 CD Ratio 32.90 33.48 Per Employee Productivity 715.14 758.02 Recovery (%) 72.33 74.26 Gross NPA (%) 11.87 11.59 Net NPA (%) 5.84 3.67 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 70 ,284.30 75 ,863.31 Loan O/s 7.94 Fin. Return 7.81 6.81 Loans Disbursed 40 ,156.23 33 ,158.69 Deposits 6.07 Fin. Cost 4.01 3.78 Gross NPAs 8,3 41.26 8,7 89.80 Net Profit/Loss(-) -32.39 Fin. Margin 3.80 3.03 Net NPA 3,8 40.81 2,5 54.50 Salary 1.43 1.80 Average Working Fund 2,1 7,884.78 2,5 8,276.31 Other Opt. Exp. 1.52 0.54 Net Profit/Loss (-) 80 .51 54 .43 Misc. Income 0.51 0.45 Gross Margin 1.37 1.14 Risk Cost 1.33 1.12 Net Margin 0.04 0.02

81 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Mizoram Total RRBs: 1 No. of Districts: 11 No of Branches : 85 No. of Staff : 456 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 3,1 03.82 3,1 03.82 Cash in Hand 4,8 51.60 6,3 72.13 Reserves 12 ,301.66 13 ,633.19 Balances with RBI 10 ,241.98 10 ,696.98 Balances in Current A/c 2,1 06.77 4,1 92.59 Deposits 2,5 9,504.92 3,4 7,812.51 Balances in Deposit A/c 76 ,725.00 1,3 6,375.00 Current 10 ,079.69 10 ,366.18 Other Investments 71 ,453.38 79 ,198.83 Savings 1,5 5,670.74 1,9 7,305.67 Loans & Advances (Net) 1,2 3,101.50 1,5 3,543.15 Term 93 ,754.49 1,4 0,140.66 Fixed Assets 2,4 57.42 2,7 83.49 Borrowings 17 ,906.38 28 ,769.68 Other Assets 13 ,908.85 19 ,227.46 NABARD 12 ,522.07 18 ,092.28 Accumulated Losses - - Sponsor Banks 17 3.04 - Others 5,2 11.27 10 ,677.40 Other Liabilities 12 ,029.72 19 ,070.43 TOTAL 3,0 4,846.50 4,1 2,389.63 TOTAL 3,0 4,846.50 4,1 2,389.63 EXPENDITURE INCOME Interest on Deposits 11 ,710.34 14 ,224.33 Interest on Advances 12 ,397.73 15 ,195.62 Interest on RBI/Inter Bk. Funds 78 9.68 96 1.43 Interest on Investments & Bank Balances 9,5 13.02 14 ,249.54 Interest on Others - - Commission 84 9.44 98 4.49 Wage Bill 2,8 23.91 7,0 91.73 Other Income 1,5 64.05 59 1.67 Other Operating Expenses 4,8 49.68 3,3 50.20 Provisions and Contingencies 3,3 08.43 4,0 62.11 Income over Expenditure 84 2.20 1,3 31.52 Exp. Over Income - - No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0 TOTAL 24 ,324.24 31 ,021.32 TOTAL 24 ,324.24 31 ,021.32 KEY INDICATORS Per Branch Productivity 4,501.25 5,898.30 CD Ratio 47.44 44.15 Per Employee Productivity 915.33 1,099.46 Recovery (%) 83.12 86.85 Gross NPA (%) 5.22 5.19 Net NPA (%) 2.05 1.41 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1,2 3,101.50 1,5 3,543.15 Loan O/s 24.73 Fin. Return 8.79 8.19 Loans Disbursed 44 ,404.92 73 ,626.36 Deposits 34.03 Fin. Cost 5.02 4.22 Gross NPAs 6,4 28.53 7,9 63.92 Net Profit/Loss(-) 58.10 Fin. Margin 3.78 3.96 Net NPA 2,5 24.95 2,1 71.51 Salary 1.13 1.97 Average Working Fund 2,4 9,130.59 3,5 9,737.30 Other Opt. Exp. 1.95 0.93 Net Profit/Loss (-) 84 2.20 1,3 31.52 Misc. Income 0.97 0.44 Gross Margin 1.67 1.50 Risk Cost 1.33 1.13 Net Margin 0.34 0.37

82 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Nagaland Total RRBs: 1 No. of Districts: 5 No of Branches : 10 No. of Staff : 32 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1,5 54.80 1,6 91.75 Cash in Hand 59 .35 82 .97 Reserves - - Balances with RBI 40 2.22 44 4.22 Balances in Current A/c 97 3.79 39 6.48 Deposits 10 ,092.78 11 ,386.82 Balances in Deposit A/c 2,8 53.15 4,5 43.53 Current 73 1.15 1,2 78.48 Other Investments 3,2 23.45 2,6 20.82 Savings 5,4 97.26 6,1 28.08 Loans & Advances (Net) 2,8 73.40 3,2 98.07 Term 3,8 64.37 3,9 80.26 Fixed Assets 37 .19 54 .94 Borrowings - 34 .48 Other Assets 1,0 26.68 98 3.97 NABARD - - Accumulated Losses 1,3 19.00 1,6 43.20 Sponsor Banks - - Others - 34 .48 Other Liabilities 1,1 20.65 95 5.15 TOTAL 12 ,768.23 14 ,068.20 TOTAL 12 ,768.23 14 ,068.20 EXPENDITURE INCOME Interest on Deposits 39 8.05 43 2.02 Interest on Advances 30 5.00 32 7.02 Interest on RBI/Inter Bk. Funds - - Interest on Investments & Bank Balances 49 8.54 51 8.39 Interest on Others - - Commission 13 .64 23 .30 Wage Bill 29 1.48 31 2.45 Other Income 8.3 6 3.4 9 Other Operating Expenses 14 8.46 12 8.45 Provisions and Contingencies 11 1.44 32 3.48 Income over Expenditure - - Exp. Over Income 12 3.89 32 4.20 No. of RRBs in Profit - - No. of RRBs in Loss 1 1 TOTAL 94 9.43 1,1 96.40 TOTAL 94 9.43 1,1 96.40 KEY INDICATORS Per Branch Productivity 1,306.24 1,477.60 CD Ratio 29.42 29.76 Per Employee Productivity 353.04 461.75 Recovery (%) 74.54 78.93 Gross NPA (%) 5.15 4.14 Net NPA (%) 3.33 2.37 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2,9 69.63 3,3 89.14 Loan O/s 14.13 Fin. Return 7.82 7.47 Loans Disbursed 1,3 46.50 1,3 66.08 Deposits 12.82 Fin. Cost 3.87 3.82 Gross NPAs 15 2.97 14 0.23 Net Profit/Loss(-) 161.68 Fin. Margin 3.95 3.65 Net NPA 95 .81 78 .09 Salary 2.84 2.76 Average Working Fund 10 ,275.66 11 ,321.45 Other Opt. Exp. 1.44 1.13 Net Profit/Loss (-) -123 .89 -324 .20 Misc. Income 0.21 0.24 Gross Margin -0.12 -0.01 Risk Cost 1.08 2.86 Net Margin -1.21 -2.86

83 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Odisha Total RRBs: 2 No. of Districts: 30 No of Branches : 984 No. of Staff : 3865 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1,1 6,246.86 1,7 1,234.77 Cash in Hand 7,8 63.52 10 ,904.42 Reserves 5,5 83.54 5,5 83.54 Balances with RBI 77 ,078.58 55 ,791.22 Balances in Current A/c 8,9 80.01 42 ,131.98 Deposits 17 ,79,256.35 19 ,63,594.01 Balances in Deposit A/c 74 ,919.43 1,0 3,942.58 Current 19 ,867.43 22 ,107.45 Other Investments 9,3 8,452.71 10 ,73,533.19 Savings 8,5 4,466.39 9,7 6,744.12 Loans & Advances (Net) 6,8 9,178.66 6,7 9,152.41 Term 9,0 4,922.53 9,6 4,742.44 Fixed Assets 3,5 16.62 2,8 99.39 Borrowings 3,3 70.48 4,2 91.46 Other Assets 57 ,449.94 64 ,609.77 NABARD 1,0 64.99 96 .22 Accumulated Losses 1,4 5,408.65 1,9 8,949.26 Sponsor Banks 81 3.83 - Others 1,4 91.66 4,1 95.24 Other Liabilities 98 ,390.89 87 ,210.44 TOTAL 20 ,02,848.12 22 ,31,914.22 TOTAL 20 ,02,848.12 22 ,31,914.22 EXPENDITURE INCOME Interest on Deposits 91 ,835.50 96 ,493.96 Interest on Advances 53 ,549.43 60 ,843.35 Interest on RBI/Inter Bk. Funds 79 6.84 97 .44 Interest on Investments & Bank Balances 69 ,435.05 77 ,398.15 Interest on Others 88 .68 - Commission 1,4 96.51 1,1 67.78 Wage Bill 48 ,861.52 52 ,772.52 Other Income 6,3 45.87 18 ,776.80 Other Operating Expenses 10 ,742.78 12 ,747.46 Provisions and Contingencies 38 ,183.52 49 ,615.31 Income over Expenditure - - Exp. Over Income 59 ,681.98 53 ,540.61 No. of RRBs in Profit - - No. of RRBs in Loss 2 2 TOTAL 1,9 0,508.84 2,11 ,726.69 TOTAL 1,9 0,508.84 2,11 ,726.69 KEY INDICATORS Per Branch Productivity 2,590.43 2,810.15 CD Ratio 43.70 40.82 Per Employee Productivity 636.64 715.44 Recovery (%) 69.18 68.11 Gross NPA (%) 27.17 26.77 Net NPA (%) 17.84 13.57 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 7,7 7,494.61 8,0 1,594.68 Loan O/s 3.10 Fin. Return 6.39 6.80 Loans Disbursed 4,5 8,278.48 4,6 3,736.71 Deposits 10.36 Fin. Cost 4.82 4.75 Gross NPAs 2,1 1,266.38 2,1 4,625.24 Net Profit/Loss(-) -10.29 Fin. Margin 1.57 2.05 Net NPA 1,2 2,950.43 92 ,182.97 Salary 2.54 2.60 Average Working Fund 19 ,25,504.52 20 ,32,829.04 Other Opt. Exp. 0.56 0.63 Net Profit/Loss (-) -59,6 81.98 -53,5 40.61 Misc. Income 0.41 0.98 Gross Margin -1.12 -0.19 Risk Cost 1.98 2.44 Net Margin -3.10 -2.63

84 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Puducherry Total RRBs: 1 No. of Districts: 2 No of Branches : 43 No. of Staff : 120 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1,3 50.00 1,3 50.00 Cash in Hand 33 1.67 31 8.20 Reserves 4,2 35.44 4,8 47.34 Balances with RBI 2,7 10.01 3,2 00.02 Balances in Current A/c 35 3.08 33 8.35 Deposits 68 ,077.85 80 ,413.53 Balances in Deposit A/c 4,6 37.85 7,3 51.31 Current 1,1 72.31 56 2.91 Other Investments 12 ,673.84 15 ,266.70 Savings 16 ,297.84 18 ,509.47 Loans & Advances (Net) 61 ,285.66 66 ,969.57 Term 50 ,607.70 61 ,341.15 Fixed Assets 42 2.59 27 5.07 Borrowings 11 ,332.05 9,3 33.62 Other Assets 3,2 33.09 3,0 04.61 NABARD 11 ,284.39 9,3 33.62 Accumulated Losses - - Sponsor Banks 32 .66 - Others 15 .00 - Other Liabilities 65 2.45 77 9.34 TOTAL 85 ,647.79 96 ,723.83 TOTAL 85 ,647.79 96 ,723.83 EXPENDITURE INCOME Interest on Deposits 3,8 71.34 4,7 49.67 Interest on Advances 5,4 85.45 6,1 62.76 Interest on RBI/Inter Bk. Funds 74 4.06 64 8.20 Interest on Investments & Bank Balances 1,1 65.44 1,3 64.94 Interest on Others - - Commission 37 .39 37 .18 Wage Bill 82 7.66 1,0 34.18 Other Income 93 8.82 1,0 59.04 Other Operating Expenses 1,1 18.85 74 3.09 Provisions and Contingencies 31 9.93 83 6.88 Income over Expenditure 74 5.26 611. 90 Exp. Over Income - - No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0 TOTAL 7,6 27.10 8,6 23.92 TOTAL 7,6 27.10 8,6 23.92 KEY INDICATORS Per Branch Productivity 3,027.93 3,458.08 CD Ratio 91.25 84.92 Per Employee Productivity 1,205.57 1,239.15 Recovery (%) 92.23 91.67 Gross NPA (%) 1.35 1.92 Net NPA (%) 0.00 0.00 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 62 ,123.32 68 ,283.96 Loan O/s 9.92 Fin. Return 8.29 8.29 Loans Disbursed 70 ,399.13 77 ,205.23 Deposits 18.12 Fin. Cost 5.76 5.94 Gross NPAs 83 7.65 1,3 14.39 Net Profit/Loss(-) -17.89 Fin. Margin 2.54 2.34 Net NPA - - Salary 1.03 1.14 Average Working Fund 80 ,186.45 90 ,857.98 Other Opt. Exp. 1.40 0.82 Net Profit/Loss (-) 74 5.26 61 1.90 Misc. Income 1.22 1.21 Gross Margin 1.33 1.59 Risk Cost 0.40 0.92 Net Margin 0.93 0.67

85 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Punjab Total RRBs: 1 No. of Districts: 22 No of Branches : 419 No. of Staff : 1744 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 2,5 36.64 2,5 36.64 Cash in Hand 2,3 90.77 2,9 26.60 Reserves 94 ,908.57 99 ,529.27 Balances with RBI 31 ,759.32 24 ,714.20 Balances in Current A/c 1,9 90.01 1,0 97.43 Deposits 8,6 7,837.38 9,4 4,365.65 Balances in Deposit A/c 1,2 1,353.11 1,0 4,800.90 Current 30 ,106.10 21 ,565.14 Other Investments 3,1 9,564.93 4,3 1,339.46 Savings 3,5 9,638.36 3,8 0,893.24 Loans & Advances (Net) 6,3 6,476.72 6,5 0,771.79 Term 4,7 8,092.92 5,4 1,907.27 Fixed Assets 2,6 85.21 2,6 17.30 Borrowings 1,6 4,403.05 1,7 4,900.49 Other Assets 27 ,513.69 27 ,176.04 NABARD 1,3 5,298.80 1,3 6,980.14 Accumulated Losses - - Sponsor Banks 15 ,901.06 24 ,986.19 Others 13 ,203.19 12 ,934.16 Other Liabilities 14 ,048.12 24 ,111.67 TOTAL 11,4 3,733.76 12 ,45,443.72 TOTAL 11,4 3,733.76 12 ,45,443.72 EXPENDITURE * INCOME * Interest on Deposits 11 ,601.85 47 ,614.67 Interest on Advances 12 ,520.06 59 ,244.73 Interest on RBI/Inter Bk. Funds 2,1 80.31 8,3 46.47 Interest on Investments & Bank Balances 8,5 96.74 36 ,786.17 Interest on Others - 1,1 00.54 Commission 73 8.60 1,5 98.93 Wage Bill 7,2 66.21 37 ,289.84 Other Income 1,8 12.07 14 ,885.37 Other Operating Expenses 1,7 12.16 10 ,047.99 Provisions and Contingencies 80 6.38 3,0 47.18 Income over Expenditure 10 0.56 5,0 68.51 Exp. Over Income - - No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0 TOTAL 23 ,667.47 1,1 2,515.20 TOTAL 23 ,667.47 1,1 2,515.20 KEY INDICATORS Per Branch Productivity 3,692.67 3,883.12 CD Ratio 77.01 72.29 Per Employee Productivity 886.41 932.93 Recovery (%) 88.45 90.68 Gross NPA (%) 9.56 8.50 Net NPA (%) 5.01 3.99 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 6,6 8,314.77 6,8 2,662.82 Loan O/s 2.15 Fin. Return 1.83 7.81 Loans Disbursed 1,2 9,382.74 7,3 0,413.94 Deposits 8.82 Fin. Cost 1.19 4.64 Gross NPAs 63 ,873.80 58 ,020.65 Net Profit/Loss(-) 4940.28 Fin. Margin 0.63 3.17 Net NPA 31 ,903.76 25 ,948.37 Salary 0.63 3.03 Average Working Fund 11 ,56,855.50 12 ,29,951.00 Other Opt. Exp. 0.15 0.82 Net Profit/Loss (-) 10 0.56 5,0 68.51 Misc. Income 0.22 1.34 Gross Margin 0.08 0.66 Risk Cost 0.07 0.25 Net Margin 0.01 0.41 *Income & Expenditure for 2018-19 pertains to Quarter ended 31 March 2019 for Punjab Gramin Bank

86 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Rajasthan Total RRBs: 2 No. of Districts: 36 No of Branches : 1553 No. of Staff : 6514 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 49 ,126.98 49 ,126.98 Cash in Hand 9,6 92.89 9,7 88.32 Reserves 1,3 6,544.07 1,5 0,848.57 Balances with RBI 1,0 3,243.23 88 ,404.57 Balances in Current A/c 18 ,372.59 10 ,807.98 Deposits 26 ,32,368.09 29 ,91,346.69 Balances in Deposit A/c 3,2 7,880.36 4,4 9,430.58 Current 44 ,833.35 51 ,319.82 Other Investments 6,0 0,921.55 6,2 6,278.94 Savings 13 ,38,102.89 14 ,81,131.67 Loans & Advances (Net) 19 ,15,424.42 21 ,05,471.72 Term 12 ,49,431.85 14 ,58,895.20 Fixed Assets 7,2 53.49 7,2 43.28 Borrowings 2,1 3,494.29 1,7 3,204.79 Other Assets 1,1 3,079.73 1,1 7,494.75 NABARD 2,1 3,468.68 1,7 3,158.76 Accumulated Losses - - Sponsor Banks - 46 .03 Others 25 .61 - Other Liabilities 64 ,334.83 50 ,393.11 TOTAL 30 ,95,868.26 34 ,14,920.14 TOTAL 30 ,95,868.26 34 ,14,920.14 EXPENDITURE INCOME Interest on Deposits 1,2 5,584.77 1,4 5,437.93 Interest on Advances 1,7 7,872.46 2,0 6,819.14 Interest on RBI/Inter Bk. Funds 13 ,495.83 10 ,050.37 Interest on Investments & Bank Balances 70 ,617.12 77 ,008.79 Interest on Others - - Commission 12 ,854.15 17 ,932.85 Wage Bill 83 ,244.57 1,1 8,808.97 Other Income 19 ,307.56 25 ,636.00 Other Operating Expenses 32 ,405.60 28 ,355.87 Provisions and Contingencies 9,0 53.04 10 ,439.13 Income over Expenditure 16 ,867.48 14 ,304.51 Exp. Over Income - - No. of RRBs in Profit 2 2 No. of RRBs in Loss 0 0 TOTAL 2,8 0,651.29 3,2 7,396.78 TOTAL 2,8 0,651.29 3,2 7,396.78 KEY INDICATORS Per Branch Productivity 2,980.46 3,315.04 CD Ratio 75.16 72.10 Per Employee Productivity 707.72 790.34 Recovery (%) 82.93 77.28 Gross NPA (%) 5.43 4.33 Net NPA (%) 2.31 1.99 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 19 ,78,397.89 21 ,56,906.99 Loan O/s 9.02 Fin. Return 8.47 8.67 Loans Disbursed 8,1 2,769.61 8,6 6,010.60 Deposits 13.64 Fin. Cost 4.74 4.75 Gross NPAs 1,0 7,408.21 93 ,470.53 Net Profit/Loss(-) -15.19 Fin. Margin 3.73 3.92 Net NPA 44 ,221.21 41 ,928.67 Salary 2.84 3.63 Average Working Fund 29 ,32,992.17 32 ,73,991.60 Other Opt. Exp. 1.10 0.87 Net Profit/Loss (-) 16 ,867.48 14 ,304.51 Misc. Income 1.10 1.33 Gross Margin 0.88 0.76 Risk Cost 0.31 0.32 Net Margin 0.58 0.44

87 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Tamil Nadu Total RRBs: 1 No. of Districts: 36 No of Branches : 632 No. of Staff : 2556 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 4,6 95.45 4,6 95.45 Cash in Hand 6,2 76.32 8,6 47.44 Reserves 1,0 3,600.14 1,1 8,562.40 Balances with RBI 45 ,607.23 41 ,292.18 Balances in Current A/c 6,9 88.64 26 ,139.73 Deposits 11 ,25,739.11 12 ,46,337.62 Balances in Deposit A/c 3,2 9,664.73 2,7 8,622.27 Current 9,2 30.04 10 ,481.16 Other Investments 3,6 4,359.41 2,4 4,171.67 Savings 2,9 3,477.97 3,1 7,757.88 Loans & Advances (Net) 8,6 9,182.90 11 ,74,917.89 Term 8,2 3,031.10 9,1 8,098.58 Fixed Assets 5,5 43.92 5,7 56.37 Borrowings 4,4 5,117.38 4,5 7,255.47 Other Assets 91 ,805.76 92 ,746.53 NABARD 4,3 7,076.66 4,4 7,394.75 Accumulated Losses - - Sponsor Banks - - Others 8,0 40.72 9,8 60.72 Other Liabilities 40 ,276.83 45 ,443.14 TOTAL 17 ,19,428.91 18 ,72,294.08 TOTAL 17 ,19,428.91 18 ,72,294.08 EXPENDITURE INCOME Interest on Deposits 65 ,032.18 75 ,123.50 Interest on Advances 97 ,589.86 99 ,574.64 Interest on RBI/Inter Bk. Funds 35 ,986.98 22 ,182.27 Interest on Investments & Bank Balances 46 ,203.87 43 ,855.51 Interest on Others - - Commission 4,4 39.03 15 ,801.28 Wage Bill 22 ,300.27 33 ,586.87 Other Income 13 ,119.75 12 ,102.20 Other Operating Expenses 14 ,533.71 10 ,998.38 Provisions and Contingencies 10 ,527.67 14 ,480.36 Income over Expenditure 12 ,971.70 14 ,962.25 Exp. Over Income - - No. of RRBs in Profit 2 1 No. of RRBs in Loss 0 0 TOTAL 1,6 1,352.51 1,7 1,333.63 TOTAL 1,6 1,352.51 1,7 1,333.63 KEY INDICATORS Per Branch Productivity 3,581.12 3,915.93 CD Ratio 100.41 98.57 Per Employee Productivity 986.06 968.26 Recovery (%) 96.79 97.92 Gross NPA (%) 1.78 2.39 Net NPA (%) 0.88 0.91 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 11 ,30,369.29 12 ,28,530.57 Loan O/s 8.68 Fin. Return 8.10 7.40 Loans Disbursed 12 ,49,496.76 13 ,15,199.73 Deposits 10.71 Fin. Cost 5.69 5.02 Gross NPAs 20 ,148.56 29 ,312.36 Net Profit/Loss(-) 15.35 Fin. Margin 2.41 2.38 Net NPA 7,6 13.73 10 ,699.68 Salary 1.26 1.73 Average Working Fund 17 ,75,208.31 19 ,38,884.00 Other Opt. Exp. 0.82 0.57 Net Profit/Loss (-) 12 ,971.70 14 ,962.25 Misc. Income 0.99 1.44 Gross Margin 1.32 1.52 Risk Cost 0.59 0.75 Net Margin 0.73 0.77

88 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Telangana Total RRBs: 2 No. of Districts: 42 No of Branches : 1196 No. of Staff : 5059 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 11 ,215.73 11 ,215.73 Cash in Hand 20 ,461.22 16 ,346.41 Reserves 2,9 6,514.02 3,7 5,442.84 Balances with RBI 96 ,963.97 78 ,460.46 Balances in Current A/c 9,3 66.41 14 ,325.38 Deposits 23 ,76,768.19 27 ,48,800.23 Balances in Deposit A/c 6,0 5,586.80 10 ,67,601.11 Current 28 ,287.55 24 ,385.08 Other Investments 8,0 7,694.31 6,1 8,441.84 Savings 9,1 9,421.04 10 ,54,180.19 Loans & Advances (Net) 21 ,78,104.41 25 ,58,049.21 Term 14 ,29,059.60 16 ,70,234.96 Fixed Assets 8,9 15.20 9,7 69.68 Borrowings 9,7 9,335.40 12 ,54,431.74 Other Assets 1,4 4,814.08 1,7 2,648.68 NABARD 9,5 9,817.19 10 ,95,667.99 Accumulated Losses - - Sponsor Banks 5,5 93.97 99 6.12 Others 13 ,924.24 1,5 7,767.63 Other Liabilities 2,0 8,073.06 1,4 5,752.23 TOTAL 38 ,71,906.40 45 ,35,642.77 TOTAL 38 ,71,906.40 45 ,35,642.77 EXPENDITURE INCOME Interest on Deposits 1,2 9,079.35 1,4 8,316.03 Interest on Advances 2,4 0,380.50 2,7 6,430.53 Interest on RBI/Inter Bk. Funds 62 ,985.69 58 ,831.41 Interest on Investments & Bank Balances 93 ,875.26 95 ,068.99 Interest on Others - 28 7.45 Commission 34 ,543.10 36 ,325.35 Wage Bill 58 ,743.04 50 ,898.61 Other Income 12 ,096.50 25 ,231.93 Other Operating Expenses 24 ,924.28 22 ,367.22 Provisions and Contingencies 89 ,672.28 73 ,488.41 Income over Expenditure 15 ,490.72 78 ,867.67 Exp. Over Income - - No. of RRBs in Profit 2 2 No. of RRBs in Loss 0 0 TOTAL 3,8 0,895.36 4,3 3,056.80 TOTAL 3,8 0,895.36 4,3 3,056.80 KEY INDICATORS Per Branch Productivity 3,986.33 4,623.66 CD Ratio 99.76 101.17 Per Employee Productivity 955.08 1,093.08 Recovery (%) 87.73 87.57 Gross NPA (%) 1.50 1.35 Net NPA (%) 0.53 0.13 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 23 ,70,952.16 27 ,81,094.02 Loan O/s 17.30 Fin. Return 9.11 9.18 Loans Disbursed 14 ,91,641.33 17 ,35,975.36 Deposits 15.65 Fin. Cost 5.24 5.13 Gross NPAs 35 ,465.38 37 ,483.09 Net Profit/Loss(-) 409.13 Fin. Margin 3.88 4.06 Net NPA 11 ,617.63 3,4 38.11 Salary 1.60 1.26 Average Working Fund 36 ,68,828.26 40 ,45,800.63 Other Opt. Exp. 0.68 0.55 Net Profit/Loss (-) 15 ,490.72 78 ,867.67 Misc. Income 1.27 1.52 Gross Margin 2.87 3.77 Risk Cost 2.44 1.82 Net Margin 0.42 1.95

89 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Tripura Total RRBs: 1 No. of Districts: 8 No of Branches : 148 No. of Staff : 801 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 26 ,561.00 26 ,561.00 Cash in Hand 2,6 99.33 4,1 35.87 Reserves 45 ,348.89 61 ,136.31 Balances with RBI 26 ,122.63 30 ,396.77 Balances in Current A/c 69 ,894.20 98 ,414.27 Deposits 6,6 9,176.76 7,1 9,050.20 Balances in Deposit A/c 64 ,010.56 65 ,164.47 Current 19 ,955.18 22 ,331.63 Other Investments 4,2 6,653.48 4,5 3,418.60 Savings 3,5 0,219.14 3,6 4,601.56 Loans & Advances (Net) 2,5 7,568.19 2,7 4,563.33 Term 2,9 9,002.44 3,3 2,117.01 Fixed Assets 52 9.81 1,1 01.01 Borrowings 88 ,292.84 90 ,337.37 Other Assets 58 ,256.20 57 ,061.85 NABARD 22 ,404.25 25 ,871.06 Accumulated Losses - - Sponsor Banks 60 ,025.05 60 ,008.77 Others 5,8 63.54 4,4 57.54 Other Liabilities 76 ,354.91 87 ,171.29 TOTAL 9,0 5,734.40 9,8 4,256.17 TOTAL 9,0 5,734.40 9,8 4,256.17 EXPENDITURE INCOME Interest on Deposits 29 ,902.85 36 ,500.16 Interest on Advances 22 ,960.64 25 ,396.78 Interest on RBI/Inter Bk. Funds 1,6 94.61 1,4 86.98 Interest on Investments & Bank Balances 31 ,906.58 32 ,478.39 Interest on Others 1,8 16.34 1,0 38.73 Commission 44 1.11 43 9.15 Wage Bill 6,6 61.57 6,6 16.72 Other Income 10 ,727.54 16 ,899.53 Other Operating Expenses 3,1 68.69 7,9 81.64 Provisions and Contingencies 10 ,247.05 5,8 02.20 Income over Expenditure 12 ,544.76 15 ,787.42 Exp. Over Income - - No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0 TOTAL 66 ,035.87 75 ,213.85 TOTAL 66 ,035.87 75 ,213.85 KEY INDICATORS Per Branch Productivity 6,261.79 6,713.60 CD Ratio 38.49 38.18 Per Employee Productivity 1,065.22 1,240.47 Recovery (%) 72.01 72.82 Gross NPA (%) 8.95 8.92 Net NPA (%) 0.00 0.00 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2,5 7,568.19 2,7 4,563.33 Loan O/s 6.60 Fin. Return 7.09 6.93 Loans Disbursed 1,3 1,989.12 3,7 7,707.86 Deposits 7.45 Fin. Cost 4.32 4.67 Gross NPAs 23 ,041.30 24 ,477.93 Net Profit/Loss(-) 25.85 Fin. Margin 2.77 2.26 Net NPA - - Salary 0.86 0.79 Average Working Fund 7,7 3,370.76 8,3 5,123.70 Other Opt. Exp. 0.41 0.96 Net Profit/Loss (-) 12 ,544.76 15 ,787.42 Misc. Income 1.44 2.08 Gross Margin 2.95 2.59 Risk Cost 1.32 0.69 Net Margin 1.62 1.89

90 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Uttar Pradesh Total RRBs: 5 No. of Districts: 79 No of Branches : 4288 No. of Staff : 19072 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 42 ,224.17 42 ,224.17 Cash in Hand 73 ,437.99 65 ,248.99 Reserves 5, 76,353.94 5, 61,615.07 Balances with RBI 3, 47,455.90 3, 82,063.53 Balances in Current A/c 1, 20,343.68 1, 65,627.68 Deposits 88 ,10,543.44 95 ,06,133.26 Balances in Deposit A/c 18 ,55,871.31 23 ,73,853.57 Current 2, 10,643.03 2, 29,855.61 Other Investments 29 ,86,810.21 29 ,87,932.53 Savings 59 ,00,625.50 63 ,67,534.59 Loans & Advances (Net) 46 ,46,444.38 48 ,36,581.33 Term 26 ,99,274.91 29 ,08,743.06 Fixed Assets 19 ,994.48 19 ,553.47 Borrowings 6, 28,100.21 6, 88,388.78 Other Assets 3, 38,017.11 4, 20,157.87 NABARD 5, 49,305.86 5, 29,761.09 Accumulated Losses - - Sponsor Banks 41 ,167.80 1, 26,271.35 Others 37 ,626.55 32 ,356.34 Other Liabilities 3, 31,153.30 4, 52,657.69 TOTAL 1, 03,88,375.06 1, 12,51,018.97 TOTAL 1, 03,88,375.06 1, 12,51,018.97 EXPENDITURE INCOME Interest on Deposits 3, 84,548.29 4, 07,480.59 Interest on Advances 4, 13,916.41 4, 47,101.67 Interest on RBI/Inter Bk. Funds 49 ,518.55 35 ,186.56 Interest on Investments & Bank Balances 3, 58,929.84 3, 77,622.67 Interest on Others 87 .62 - Commission 17 ,318.67 11 ,681.10 Wage Bill 2, 01,836.85 2, 63,140.00 Other Income 63 ,754.16 75 ,259.83 Other Operating Expenses 98 ,130.03 1, 65,549.35 Provisions and Contingencies 1, 58,695.18 58 ,749.99 Income over Expenditure 38 ,416.03 27 ,071.83 Exp. Over Income 77 ,313.47 45 ,513.05 No. of RRBs in Profit 5 3 No. of RRBs in Loss 2 2 TOTAL 9, 31,232.55 9, 57,178.32 TOTAL 9, 31,232.55 9, 57,178.32 KEY INDICATORS Per Branch Productivity 3,216.12 3,426.22 CD Ratio 56.45 54.55 Per Employee Productivity 733.05 770.32 Recovery (%) 71.13 68.95 Gross NPA (%) 15.14 13.76 Net NPA (%) 9.81 8.02 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 49 ,73,726.68 51 ,85,488.11 Loan O/s 4.26 Fin. Return 7.65 7.66 Loans Disbursed 37 ,16,024.20 43 ,97,497.69 Deposits 7.89 Fin. Cost 4.30 4.11 Gross NPAs 7, 53,006.09 7, 13,522.17 Net Profit/Loss(-) -52.59 Fin. Margin 3.35 3.55 Net NPA 4, 55,888.60 3, 87,724.86 Salary 2.00 2.44 Average Working Fund 1, 00,97,674.81 1, 07,71,674.70 Other Opt. Exp. 0.97 1.54 Net Profit/Loss (-) -38 ,897.44 -18 ,441.22 Misc. Income 0.80 0.81 Gross Margin 1.19 0.37 Risk Cost 1.57 0.55 Net Margin -0.39 -0.17

91 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: Uttarakhand Total RRBs: 1 No. of Districts: 13 No of Branches : 286 No. of Staff : 1105 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 4,2 14.87 4,2 14.87 Cash in Hand 1,8 78.24 2,8 30.23 Reserves 16 ,998.88 16 ,954.21 Balances with RBI 20 ,100.00 16 ,760.00 Balances in Current A/c 2,7 79.02 7,7 08.70 Deposits 5,0 0,794.02 5,4 6,975.74 Balances in Deposit A/c 70 ,073.61 77 ,363.67 Current 12 ,436.88 12 ,089.61 Other Investments 2,3 0,930.35 2,5 1,796.47 Savings 2,7 2,803.35 2,9 5,503.32 Loans & Advances (Net) 2,1 6,836.43 2,3 1,030.74 Term 2,1 5,553.79 2,3 9,382.81 Fixed Assets 1,3 64.25 1,2 63.97 Borrowings 15 ,076.43 12 ,497.44 Other Assets 10 ,891.23 10 ,110.07 NABARD 14 ,448.19 12 ,056.94 Accumulated Losses - 7,9 23.78 Sponsor Banks - - Others 62 8.24 44 0.50 Other Liabilities 17 ,768.93 26 ,145.37 TOTAL 5,5 4,853.13 6,0 6,787.63 TOTAL 5,5 4,853.13 6,0 6,787.63 EXPENDITURE INCOME Interest on Deposits 23 ,490.32 25 ,813.59 Interest on Advances 20 ,697.65 21 ,952.17 Interest on RBI/Inter Bk. Funds 68 3.14 68 6.35 Interest on Investments & Bank Balances 21 ,671.54 23 ,498.33 Interest on Others - - Commission 1,8 60.15 1,9 96.09 Wage Bill 9,1 00.77 10 ,143.83 Other Income 1,1 61.01 1,4 94.57 Other Operating Expenses 6,0 07.55 18 ,363.81 Provisions and Contingencies 4,6 25.40 1,8 57.36 Income over Expenditure 1,4 83.17 - Exp. Over Income - 7,9 23.78 No. of RRBs in Profit 1 - No. of RRBs in Loss 0 1 TOTAL 45 ,390.35 56 ,864.94 TOTAL 45 ,390.35 56 ,864.94 KEY INDICATORS Per Branch Productivity 2,548.63 2,760.14 CD Ratio 45.55 44.32 Per Employee Productivity 627.29 714.39 Recovery (%) 82.95 83.42 Gross NPA (%) 7.30 7.30 Net NPA (%) 3.21 3.53 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2,2 8,115.33 2,4 2,425.65 Loan O/s 6.27 Fin. Return 8.05 7.97 Loans Disbursed 1,4 5,026.91 1,5 1,192.93 Deposits 9.22 Fin. Cost 4.59 4.64 Gross NPAs 16 ,653.95 17 ,707.72 Net Profit/Loss(-) -634.25 Fin. Margin 3.46 3.32 Net NPA 6,9 54.34 8,1 66.52 Salary 1.73 1.78 Average Working Fund 5,2 6,119.63 5,7 0,560.15 Other Opt. Exp. 1.14 3.22 Net Profit/Loss (-) 1,4 83.17 -7,92 3.78 Misc. Income 0.57 0.61 Gross Margin 1.16 -1.06 Risk Cost 0.88 0.33 Net Margin 0.28 -1.39

92 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of the State: West Bengal Total RRBs: 3 No. of Districts: 22 No of Branches : 959 No. of Staff : 3882 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1,0 4,361.30 1,2 3,292.30 Cash in Hand 12 ,112.28 19 ,471.71 Reserves 4,9 12.20 5,1 85.30 Balances with RBI 98 ,361.00 84 ,036.57 Balances in Current A/c 41 ,419.26 50 ,180.38 Deposits 23 ,66,668.51 25 ,23,460.53 Balances in Deposit A/c 1,6 6,988.73 2,4 0,031.80 Current 45 ,290.88 56 ,755.90 Other Investments 11 ,78,550.67 11 ,87,758.95 Savings 12 ,87,740.33 14 ,04,011.13 Loans & Advances (Net) 10 ,15,444.89 10 ,36,266.16 Term 10 ,33,637.30 10 ,62,693.50 Fixed Assets 5,2 99.01 4,7 65.97 Borrowings 94 ,258.96 60 ,588.25 Other Assets 85 ,174.66 85 ,861.51 NABARD 49 ,600.51 53 ,725.59 Accumulated Losses 68 ,811.01 1,2 9,209.08 Sponsor Banks 38 ,999.75 - Others 5,6 58.70 6,8 62.66 Other Liabilities 1,0 1,960.54 1,2 5,055.75 TOTAL 26 ,72,161.51 28 ,37,582.13 TOTAL 26 ,72,161.51 28 ,37,582.13 EXPENDITURE INCOME Interest on Deposits 1,1 3,905.09 1,1 8,796.30 Interest on Advances 89 ,797.18 97 ,809.57 Interest on RBI/Inter Bk. Funds 3,4 62.65 3,0 65.13 Interest on Investments & Bank Balances 97 ,580.97 1,0 0,208.63 Interest on Others - - Commission 1,5 85.10 1,7 85.77 Wage Bill 59 ,749.64 96 ,108.41 Other Income 13 ,259.37 20 ,939.45 Other Operating Expenses 19 ,093.26 19 ,722.41 Provisions and Contingencies 31 ,982.79 43 ,372.55 Income over Expenditure 1,7 77.27 76 .69 Exp. Over Income 27 ,748.08 60 ,398.07 No. of RRBs in Profit 2 1 No. of RRBs in Loss 1 2 TOTAL 2,2 9,970.70 2,8 1,141.49 TOTAL 2,2 9,970.70 2,8 1,141.49 KEY INDICATORS Per Branch Productivity 3,590.77 3,803.30 CD Ratio 45.50 44.54 Per Employee Productivity 831.98 939.56 Recovery (%) 69.06 68.18 Gross NPA (%) 17.71 17.11 Net NPA (%) 11.46 10.10 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 10 ,76,876.29 11 ,23,906.90 Loan O/s 4.37 Fin. Return 7.70 7.62 Loans Disbursed 7,1 5,685.13 8,5 5,157.92 Deposits 6.63 Fin. Cost 4.82 4.69 Gross NPAs 1,9 0,669.88 1,9 2,295.77 Net Profit/Loss(-) 132.27 Fin. Margin 2.88 2.93 Net NPA 1,1 6,336.49 1,0 4,654.11 Salary 2.46 3.70 Average Working Fund 24 ,33,551.48 25 ,99,229.12 Other Opt. Exp. 0.78 0.76 Net Profit/Loss (-) -25,9 70.81 -60,3 21.38 Misc. Income 0.61 0.87 Gross Margin 0.25 -0.65 Risk Cost 1.31 1.67 Net Margin -1.07 -2.32

93 PART IV SPONSOR-BANK WISE SUMMARY

94 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Allahabad Bank Total RRBs: No. of Districts: No of Branches : No. of Staff : LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 6, 192.79 Cash in Hand 14 ,029.42 Reserves 25 ,285.34 Balances with RBI 43 ,879.65 - Balances in Current A/c 1, 714.43 Deposits 11 ,28,543.11 Balances in Deposit A/c 2, 45,001.80 Current 28 ,852.31 Other Investments 2, 66,173.95 Savings 8, 21,750.40 Loans & Advances (Net) 6, 06,345.72 Term 2, 77,940.40 Fixed Assets 3, 514.69 Borrowings 34 ,000.37 Other Assets 33 ,561.90 NABARD 31 ,687.82 Accumulated Losses - Sponsor Banks 1, 400.95 Others 91 1.60 Other Liabilities 20 ,199.95 TOTAL 12 ,14,221.56 TOTAL 12 ,14,221.56 EXPENDITURE INCOME Interest on Deposits 44 ,425.67 Interest on Advances 33 ,281.50 Interest on RBI/Inter Bk. Funds 4, 311.89 Interest on Investments & Bank Balances 34 ,621.19 Interest on Others - Commission 2, 621.92 Wage Bill 26 ,578.68 Other Income 4, 758.73 Other Operating Expenses 10 ,800.96 Provisions and Contingencies 40 ,156.73 Income over Expenditure - Exp. Over Income 50 ,990.59 No. of RRBs in Profit - No. of RRBs in Loss 1 TOTAL 1, 26,273.93 TOTAL 1, 26,273.93 KEY INDICATORS Per Branch Productivity 2,768.59 CD Ratio 60.44 Per Employee Productivity 703.17 Recovery (%) 62.78 Gross NPA (%) 55.75 Net NPA (%) 50.22 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 6, 82,117.79 Loan O/s Fin. Return 5.48 Loans Disbursed 2, 16,854.00 Deposits Fin. Cost 3.94 Gross NPAs 3, 80,290.05 Net Profit/Loss(-) Fin. Margin 1.55 Net NPA 3, 04,517.97 Salary 2.15 Average Working Fund 12 ,38,505.74 Other Opt. Exp. 0.87 Net Profit/Loss (-) -50 ,990.59 Misc. Income 0.60 Gross Margin -0.87 Risk Cost 3.24 Net Margin -4.12

95 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Andhra Bank Total RRBs: 1 No. of Districts: 3 No of Branches : 220 No. of Staff : 1062 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 74 4.22 74 4.22 Cash in Hand 9,9 87.76 7,0 79.72 Reserves 42 ,676.02 49 ,740.25 Balances with RBI 17 ,314.00 21 ,060.90 Balances in Current A/c 8,7 63.62 13 ,400.85 Deposits 4,4 5,776.88 5,3 7,971.34 Balances in Deposit A/c 39 ,135.06 69 ,011.57 Current 10 ,719.96 11 ,257.77 Other Investments 1,3 3,267.77 1,3 2,219.59 Savings 1,3 5,474.61 1,5 8,369.07 Loans & Advances (Net) 4,5 8,226.26 4,9 9,143.46 Term 2,9 9,582.31 3,6 8,344.50 Fixed Assets 1,6 61.45 1,6 07.02 Borrowings 1,8 5,808.12 1,7 6,227.71 Other Assets 46 ,311.46 43 ,704.40 NABARD 1,8 1,540.40 1,7 5,661.31 Accumulated Losses - - Sponsor Banks 1.4 9 1.4 9 Others 4,2 66.23 56 4.91 Other Liabilities 39 ,662.14 22 ,543.99 TOTAL 7,1 4,667.38 7,8 7,227.51 TOTAL 7,1 4,667.38 7,8 7,227.51 EXPENDITURE INCOME Interest on Deposits 24 ,744.22 31 ,071.51 Interest on Advances 49 ,961.42 53 ,888.03 Interest on RBI/Inter Bk. Funds 11 ,107.60 9,1 92.37 Interest on Investments & Bank Balances 9,2 90.81 11 ,546.71 Interest on Others 2,5 29.95 2,6 00.75 Commission 37 5.62 29 4.32 Wage Bill 9,8 93.31 11 ,361.92 Other Income 5,2 08.75 6,2 06.88 Other Operating Expenses 4,2 03.34 4,1 16.60 Provisions and Contingencies 5,7 08.39 6,5 28.56 Income over Expenditure 6,6 49.79 7,0 64.23 Exp. Over Income - - No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0 TOTAL 64 ,836.60 71 ,935.94 TOTAL 64 ,836.60 71 ,935.94 KEY INDICATORS Per Branch Productivity 4,165.38 4,734.73 CD Ratio 103.70 93.62 Per Employee Productivity 931.34 980.83 Recovery (%) 81.15 82.54 Gross NPA (%) 1.01 1.12 Net NPA (%) 0.14 0.23 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 4,6 2,275.03 5,0 3,668.46 Loan O/s 8.95 Fin. Return 8.86 8.72 Loans Disbursed 4,2 7,775.11 4,4 8,696.51 Deposits 20.68 Fin. Cost 5.74 5.71 Gross NPAs 4,6 77.11 5,6 50.40 Net Profit/Loss(-) 6.23 Fin. Margin 3.12 3.01 Net NPA 62 8.34 1,1 25.40 Salary 1.48 1.51 Average Working Fund 6,6 8,479.61 7,5 0,528.91 Other Opt. Exp. 0.63 0.55 Net Profit/Loss (-) 6,6 49.79 7,0 64.23 Misc. Income 0.84 0.87 Gross Margin 1.85 1.81 Risk Cost 0.85 0.87 Net Margin 0.99 0.94

96 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Bank of Baroda Total RRBs: 3 No. of Districts: 57 No of Branches : 2265 No. of Staff : 10085 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 45 ,689.75 51 ,213.14 Cash in Hand 18 ,291.04 18 ,213.07 Reserves 2,1 5,589.59 2,5 3,662.04 Balances with RBI 1,5 4,832.94 1,9 2,514.92 Balances in Current A/c 55 ,134.53 75 ,875.20 Deposits 39 ,51,760.62 49 ,13,862.07 Balances in Deposit A/c 5,0 9,972.23 6,2 4,156.03 Current 66 ,921.90 76 ,738.91 Other Investments 16 ,06,895.73 19 ,86,654.53 Savings 23 ,68,089.94 28 ,42,811.24 Loans & Advances (Net) 21 ,91,942.73 26 ,30,975.21 Term 15 ,16,748.78 19 ,94,311.92 Fixed Assets 5,5 19.68 7,0 91.86 Borrowings 3,2 7,425.68 3,2 1,005.67 Other Assets 1,1 4,153.30 1,7 1,362.97 NABARD 3,2 1,027.36 3,1 4,389.15 Accumulated Losses - - Sponsor Banks 10 8.11 4,3 74.30 Others 6,2 90.21 2,2 42.22 Other Liabilities 1,1 6,276.54 1,6 7,100.87 TOTAL 46 ,56,742.18 57 ,06,843.79 TOTAL 46 ,56,742.18 57 ,06,843.79 EXPENDITURE INCOME Interest on Deposits 1,7 4,343.04 2,2 2,943.76 Interest on Advances 1,9 4,164.89 2,4 5,962.64 Interest on RBI/Inter Bk. Funds 23 ,031.36 18 ,758.43 Interest on Investments & Bank Balances 1,6 0,386.30 1,9 2,148.18 Interest on Others 13 .14 31 .84 Commission 5,6 41.95 10 ,898.60 Wage Bill 1,0 8,419.39 1,3 5,115.33 Other Income 23 ,093.85 39 ,004.34 Other Operating Expenses 44 ,153.19 79 ,185.12 Provisions and Contingencies 12 ,451.17 14 ,269.10 Income over Expenditure 20 ,875.70 17 ,710.18 Exp. Over Income - - No. of RRBs in Profit 3 3 No. of RRBs in Loss 0 0 TOTAL 3,8 3,286.99 4,8 8,013.76 TOTAL 3,8 3,286.99 4,8 8,013.76 KEY INDICATORS Per Branch Productivity 3,088.89 3,367.49 CD Ratio 57.58 55.22 Per Employee Productivity 717.09 756.31 Recovery (%) 82.49 79.95 Gross NPA (%) 6.20 5.88 Net NPA (%) 2.64 2.93 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 22 ,75,442.77 27 ,13,498.81 Loan O/s 19.25 Fin. Return 7.83 8.02 Loans Disbursed 10 ,50,625.64 18 ,05,182.78 Deposits 24.35 Fin. Cost 4.36 4.43 Gross NPAs 1,4 1,005.92 1,5 9,614.87 Net Profit/Loss(-) -15.16 Fin. Margin 3.47 3.60 Net NPA 57 ,954.14 77 ,128.36 Salary 2.40 2.47 Average Working Fund 45 ,26,778.29 54 ,60,811.33 Other Opt. Exp. 0.98 1.45 Net Profit/Loss (-) 20 ,875.70 17 ,710.18 Misc. Income 0.63 0.91 Gross Margin 0.74 0.59 Risk Cost 0.28 0.26 Net Margin 0.46 0.32

97 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Bank of India Total RRBs: 3 No. of Districts: 82 No of Branches : 2554 No. of Staff : 11011 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 44 ,277.19 70 ,208.08 Cash in Hand 23 ,390.08 36 ,860.18 Reserves 2,1 7,043.12 2,5 7,602.77 Balances with RBI 1,2 0,558.71 1,8 9,552.57 Balances in Current A/c 89 ,057.12 1,2 7,204.89 Deposits 29 ,57,418.59 47 ,48,583.22 Balances in Deposit A/c 3,2 2,098.07 8,8 0,846.12 Current 73 ,947.45 1,3 1,027.39 Other Investments 9,7 1,689.95 10 ,67,031.16 Savings 17 ,14,653.43 28 ,08,496.39 Loans & Advances (Net) 19 ,80,010.65 29 ,14,143.89 Term 11 ,68,817.71 18 ,09,059.44 Fixed Assets 10 ,250.37 14 ,233.77 Borrowings 2,9 8,943.37 2,5 9,718.48 Other Assets 1,2 3,434.34 2,0 3,015.44 NABARD 1,7 4,345.20 69 ,980.22 Accumulated Losses 7,7 10.68 1,0 7,378.34 Sponsor Banks 72 ,329.80 1,4 0,424.65 Others 52 ,268.37 49 ,313.61 Other Liabilities 1,3 0,517.70 2,0 4,153.81 TOTAL 36 ,48,199.97 55 ,40,266.36 TOTAL 36 ,48,199.97 55 ,40,266.36 EXPENDITURE INCOME Interest on Deposits 1,3 7,710.06 2,1 1,554.68 Interest on Advances 2,0 0,902.00 2,4 9,205.86 Interest on RBI/Inter Bk. Funds 14 ,202.53 12 ,707.80 Interest on Investments & Bank Balances 96 ,771.78 1,3 9,677.34 Interest on Others 5,9 72.21 1,8 07.40 Commission 4,3 91.35 7,2 82.72 Wage Bill 63 ,751.59 2,0 5,148.35 Other Income 34 ,229.31 42 ,110.67 Other Operating Expenses 22 ,199.64 35 ,719.98 Provisions and Contingencies 83 ,552.90 38 ,192.38 Income over Expenditure 15 ,511.38 4,5 12.99 Exp. Over Income 6,6 05.87 71 ,366.99 No. of RRBs in Profit 3 1 No. of RRBs in Loss 1 2 TOTAL 3,4 2,900.31 5,0 9,643.58 TOTAL 3,4 2,900.31 5,0 9,643.58 KEY INDICATORS Per Branch Productivity 2,987.53 3,090.30 CD Ratio 70.32 66.21 Per Employee Productivity 667.33 716.79 Recovery (%) 70.55 62.89 Gross NPA (%) 11.63 20.54 Net NPA (%) 7.15 14.27 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 20 ,79,555.65 31 ,44,034.41 Loan O/s 51.19 Fin. Return 8.24 7.04 Loans Disbursed 11 ,25,060.11 14 ,47,654.02 Deposits 60.57 Fin. Cost 4.37 4.09 Gross NPAs 2,4 1,801.12 6,4 5,693.18 Net Profit/Loss(-) -850.70 Fin. Margin 3.87 2.95 Net NPA 1,4 1,488.06 4,1 5,802.67 Salary 1.76 3.71 Average Working Fund 36 ,12,866.77 55 ,25,291.47 Other Opt. Exp. 0.61 0.65 Net Profit/Loss (-) 8,9 05.51 -66,8 54.00 Misc. Income 1.07 0.89 Gross Margin 2.56 -0.52 Risk Cost 2.31 0.69 Net Margin 0.25 -1.21

98 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Bank of Maharashtra Total RRBs: 1 No. of Districts: 17 No of Branches : 412 No. of Staff : 1742 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 20 ,934.62 20 ,934.62 Cash in Hand 9,2 29.12 8,2 13.49 Reserves 24 ,546.81 27 ,266.03 Balances with RBI 49 ,054.01 37 ,968.57 Balances in Current A/c 12 ,187.68 20 ,637.06 Deposits 9,9 1,146.76 11 ,42,578.10 Balances in Deposit A/c 2,2 1,870.67 3,0 0,321.94 Current 47 ,488.92 43 ,522.28 Other Investments 3,9 4,278.36 3,7 1,376.79 Savings 4,8 3,547.37 5,8 3,341.83 Loans & Advances (Net) 4,4 4,190.02 4,8 5,525.90 Term 4,6 0,110.47 5,1 5,713.99 Fixed Assets 2,2 51.13 2,6 21.45 Borrowings 92 ,021.62 37 ,190.48 Other Assets 21 ,184.09 23 ,361.20 NABARD 36 ,397.39 32 ,313.05 Accumulated Losses - - Sponsor Banks - - Others 55 ,624.23 4,8 77.43 Other Liabilities 25 ,595.27 22 ,057.17 TOTAL 11,5 4,245.08 12 ,50,026.40 TOTAL 11,5 4,245.08 12 ,50,026.40 EXPENDITURE INCOME Interest on Deposits 46 ,272.85 49 ,482.56 Interest on Advances 46 ,592.49 49 ,016.36 Interest on RBI/Inter Bk. Funds 4,7 38.48 3,1 28.18 Interest on Investments & Bank Balances 38 ,242.99 41 ,869.48 Interest on Others - - Commission 80 8.53 81 9.12 Wage Bill 22 ,211.03 29 ,524.58 Other Income 10 ,617.45 10 ,152.97 Other Operating Expenses 11 ,220.50 11 ,265.66 Provisions and Contingencies 7,8 40.35 5,7 37.74 Income over Expenditure 3,9 78.25 2,7 19.21 Exp. Over Income - - No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0 TOTAL 96 ,261.46 1,0 1,857.93 TOTAL 96 ,261.46 1,0 1,857.93 KEY INDICATORS Per Branch Productivity 3,526.91 4,000.90 CD Ratio 46.96 44.27 Per Employee Productivity 879.07 946.25 Recovery (%) 56.57 66.90 Gross NPA (%) 7.40 7.91 Net NPA (%) 2.97 4.07 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 4,6 5,468.90 5,0 5,792.32 Loan O/s 8.66 Fin. Return 7.75 7.77 Loans Disbursed 2,5 9,598.66 2,1 3,235.20 Deposits 15.28 Fin. Cost 4.66 4.50 Gross NPAs 34 ,443.29 39 ,998.42 Net Profit/Loss(-) -31.65 Fin. Margin 3.09 3.27 Net NPA 13 ,174.42 19 ,739.44 Salary 2.03 2.52 Average Working Fund 10 ,95,258.39 11 ,69,310.93 Other Opt. Exp. 1.02 0.96 Net Profit/Loss (-) 3,9 78.25 2,7 19.21 Misc. Income 1.04 0.94 Gross Margin 1.08 0.72 Risk Cost 0.72 0.49 Net Margin 0.36 0.23

99 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Canara Bank Total RRBs: 2 No. of Districts: 35 No of Branches : 1776 No. of Staff : 8628 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 7,2 07.99 12 ,605.25 Cash in Hand 38 ,033.17 37 ,092.66 Reserves 2,1 6,855.46 2,7 2,962.02 Balances with RBI 1,2 4,617.16 1,2 1,157.84 Balances in Current A/c 14 ,963.29 11 ,285.59 Deposits 32 ,79,688.11 47 ,68,895.39 Balances in Deposit A/c 1,7 1,259.24 5,7 8,652.08 Current 88 ,415.24 1,0 8,222.83 Other Investments 7,1 7,156.01 11 ,74,991.75 Savings 11 ,87,270.80 16 ,07,518.23 Loans & Advances (Net) 29 ,52,945.29 37 ,00,943.81 Term 20 ,04,002.07 30 ,53,154.33 Fixed Assets 15 ,712.38 17 ,632.02 Borrowings 5,3 3,462.91 6,3 5,255.05 Other Assets 1,7 4,998.72 2,0 5,346.07 NABARD 4,7 2,260.32 5,7 6,387.74 Accumulated Losses - 5,5 70.24 Sponsor Banks 6,2 71.30 41 8.60 Others 54 ,931.29 58 ,448.71 Other Liabilities 1,7 2,470.79 1,6 2,954.35 TOTAL 42 ,09,685.26 58 ,52,672.06 TOTAL 42 ,09,685.26 58 ,52,672.06 EXPENDITURE INCOME Interest on Deposits 1,8 6,813.52 2,5 8,961.41 Interest on Advances 3,1 6,201.96 3,8 1,235.57 Interest on RBI/Inter Bk. Funds 46 ,955.48 33 ,323.39 Interest on Investments & Bank Balances 66 ,173.10 95 ,972.52 Interest on Others 10 ,047.92 13 ,781.13 Commission 13 ,193.33 17 ,977.85 Wage Bill 73 ,296.51 1,0 9,860.17 Other Income 15 ,712.74 42 ,482.03 Other Operating Expenses 63 ,377.52 48 ,611.54 Provisions and Contingencies 23 ,126.97 76 ,370.34 Income over Expenditure 7,6 63.21 1,8 61.05 Exp. Over Income - 5,1 01.06 No. of RRBs in Profit 2 1 No. of RRBs in Loss 0 1 TOTAL 4,11 ,281.13 5,4 2,769.03 TOTAL 4,11 ,281.13 5,4 2,769.03 KEY INDICATORS Per Branch Productivity 5,044.63 4,903.92 CD Ratio 99.04 82.63 Per Employee Productivity 928.69 1,009.43 Recovery (%) 84.53 86.79 Gross NPA (%) 3.82 7.35 Net NPA (%) 2.02 4.35 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 32 ,48,063.02 39 ,40,461.70 Loan O/s 21.32 Fin. Return 8.66 8.24 Loans Disbursed 23 ,05,374.95 26 ,64,007.40 Deposits 45.41 Fin. Cost 5.52 5.28 Gross NPAs 1,2 3,959.49 2,8 9,569.87 Net Profit/Loss(-) -142.28 Fin. Margin 3.14 2.95 Net NPA 59 ,605.25 1,6 1,051.98 Salary 1.66 1.90 Average Working Fund 44 ,14,797.74 57 ,93,355.62 Other Opt. Exp. 1.44 0.84 Net Profit/Loss (-) 7,6 63.21 -3,24 0.01 Misc. Income 0.65 1.04 Gross Margin 0.70 1.26 Risk Cost 0.52 1.32 Net Margin 0.17 -0.06

100 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Central Bank of India Total RRBs: 2 No. of Districts: 23 No of Branches : 1174 No. of Staff : 3568 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 79 ,172.77 60 ,655.50 Cash in Hand 11 ,032.11 9,0 89.75 Reserves 21 ,853.88 9,9 35.51 Balances with RBI 1,0 3,802.14 80 ,979.46 Balances in Current A/c 27 ,730.41 16 ,371.90 Deposits 25 ,64,615.92 19 ,99,548.68 Balances in Deposit A/c 5,2 1,144.59 4,4 2,826.73 Current 58 ,205.97 40 ,261.48 Other Investments 7,9 1,732.54 5,1 8,976.17 Savings 15 ,73,744.26 13 ,37,963.17 Loans & Advances (Net) 13 ,00,303.53 9,8 7,251.97 Term 9,3 2,665.69 6,2 1,324.03 Fixed Assets 6,4 18.67 2,6 14.21 Borrowings 1,9 9,514.08 1,1 0,860.98 Other Assets 1,4 6,464.23 1,9 1,227.51 NABARD 1,8 5,532.00 1,0 3,043.11 Accumulated Losses 20 ,914.52 37 ,745.88 Sponsor Banks 7,2 72.96 61 3.77 Others 6,7 09.12 7,2 04.10 Other Liabilities 64 ,386.09 1,0 6,082.91 TOTAL 29 ,29,542.74 22 ,87,083.58 TOTAL 29 ,29,542.74 22 ,87,083.58 EXPENDITURE INCOME Interest on Deposits 1,1 6,332.30 80 ,939.70 Interest on Advances 1,0 9,834.83 93 ,743.11 Interest on RBI/Inter Bk. Funds 15 ,246.79 8,9 15.56 Interest on Investments & Bank Balances 1,0 1,995.93 75 ,351.89 Interest on Others - - Commission 3,5 37.10 1,7 21.23 Wage Bill 49 ,893.96 77 ,817.19 Other Income 11 ,153.71 13 ,064.89 Other Operating Expenses 41 ,642.88 27 ,828.35 Provisions and Contingencies 21 ,544.79 29 ,249.03 Income over Expenditure 2,7 75.37 76 .69 Exp. Over Income 20 ,914.52 40 ,945.40 No. of RRBs in Profit 2 1 No. of RRBs in Loss 1 1 TOTAL 2,4 7,436.09 2,2 4,826.52 TOTAL 2,4 7,436.09 2,2 4,826.52 KEY INDICATORS Per Branch Productivity 2,431.42 2,614.12 CD Ratio 54.53 53.48 Per Employee Productivity 747.21 860.14 Recovery (%) 59.34 28.74 Gross NPA (%) 26.93 19.29 Net NPA (%) 21.86 12.57 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 13 ,98,592.31 10 ,69,423.59 Loan O/s -23.54 Fin. Return 7.52 8.10 Loans Disbursed 12 ,74,643.09 9,9 3,243.66 Deposits -22.03 Fin. Cost 4.67 4.30 Gross NPAs 3,7 6,634.83 2,0 6,275.81 Net Profit/Loss(-) 125.31 Fin. Margin 2.85 3.80 Net NPA 2,8 4,309.48 1,2 4,104.20 Salary 1.77 3.73 Average Working Fund 28 ,16,590.19 20 ,87,603.49 Other Opt. Exp. 1.48 1.33 Net Profit/Loss (-) -18,1 39.15 -40,8 68.71 Misc. Income 0.52 0.71 Gross Margin 0.12 -0.56 Risk Cost 0.76 1.40 Net Margin -0.64 -1.96

101 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Dena Bank Total RRBs: No. of Districts: No of Branches : No. of Staff : LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 5,5 23.39 Cash in Hand 3,1 39.45 Reserves 20 ,362.28 Balances with RBI 18 ,135.51 Balances in Current A/c 2,2 09.21 Deposits 4,5 1,498.20 Balances in Deposit A/c 68 ,289.60 Current 6,1 40.01 Other Investments 1,5 7,313.67 Savings 2,1 0,324.35 Loans & Advances (Net) 2,4 8,689.78 Term 2,3 5,033.84 Fixed Assets 1,9 27.76 Borrowings 28 ,039.04 Other Assets 18 ,127.22 NABARD 26 ,637.21 Accumulated Losses - Sponsor Banks 0.9 5 Others 1,4 00.88 Other Liabilities 12 ,409.29 TOTAL 5,1 7,832.20 TOTAL 5,1 7,832.20 EXPENDITURE INCOME Interest on Deposits 22 ,478.76 Interest on Advances 21 ,217.60 Interest on RBI/Inter Bk. Funds 1,9 73.54 Interest on Investments & Bank Balances 15 ,263.87 Interest on Others - Commission 17 6.83 Wage Bill 9,0 78.63 Other Income 2,5 03.04 Other Operating Expenses 3,1 50.71 Provisions and Contingencies 2,3 05.79 Income over Expenditure 17 3.91 Exp. Over Income - No. of RRBs in Profit 1 No. of RRBs in Loss 0 TOTAL 39 ,161.34 TOTAL 39 ,161.34 KEY INDICATORS Per Branch Productivity 2,907.32 CD Ratio 56.47 Per Employee Productivity 815.80 Recovery (%) 86.87 Gross NPA (%) 7.97 Net NPA (%) 5.30 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2,5 4,981.58 Loan O/s Fin. Return 7.31 Loans Disbursed 1,9 7,591.38 Deposits Fin. Cost 4.90 Gross NPAs 20 ,316.66 Net Profit/Loss(-) Fin. Margin 2.41 Net NPA 13 ,192.78 Salary 1.82 Average Working Fund 4,9 8,894.51 Other Opt. Exp. 0.63 Net Profit/Loss (-) 17 3.91 Misc. Income 0.54 Gross Margin 0.50 Risk Cost 0.46 Net Margin 0.03

102 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Indian Bank Total RRBs: 3 No. of Districts: 40 No of Branches : 898 No. of Staff : 3565 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 3,7 82.83 7,8 22.50 Cash in Hand 7,2 89.86 13 ,176.80 Reserves 1,0 3,977.02 1,9 9,803.49 Balances with RBI 42 ,886.88 65 ,642.82 Balances in Current A/c 8,9 34.63 31 ,364.21 Deposits 11 ,53,346.19 19 ,79,097.49 Balances in Deposit A/c 3,0 6,223.16 6,0 8,361.22 Current 10 ,722.65 14 ,342.51 Other Investments 2,0 0,909.16 3,5 3,796.84 Savings 2,7 3,541.69 4,9 1,917.98 Loans & Advances (Net) 10 ,53,016.33 17 ,78,379.28 Term 8,6 9,081.85 14 ,72,837.00 Fixed Assets 5,8 49.51 7,8 00.13 Borrowings 3,7 0,581.01 7,2 3,591.36 Other Assets 62 ,815.01 1,3 1,038.93 NABARD 3,6 5,309.15 7,1 2,205.83 Accumulated Losses - - Sponsor Banks 32 .66 0.0 1 Others 5,2 39.20 11 ,385.52 Other Liabilities 56 ,237.49 79 ,245.39 TOTAL 16 ,87,924.54 29 ,89,560.23 TOTAL 16 ,87,924.54 29 ,89,560.23 EXPENDITURE INCOME Interest on Deposits 66 ,680.36 1,1 9,188.40 Interest on Advances 1,0 2,090.52 1,6 7,977.54 Interest on RBI/Inter Bk. Funds 23 ,834.30 35 ,486.70 Interest on Investments & Bank Balances 35 ,875.22 70 ,916.11 Interest on Others - 3,1 71.07 Commission 58 4.44 15 ,998.39 Wage Bill 14 ,203.75 47 ,564.95 Other Income 12 ,246.68 19 ,264.80 Other Operating Expenses 13 ,276.90 15 ,486.95 Provisions and Contingencies 16 ,291.48 24 ,626.31 Income over Expenditure 16 ,510.07 28 ,632.46 Exp. Over Income - - No. of RRBs in Profit 3 3 No. of RRBs in Loss 0 0 TOTAL 1,5 0,796.86 2,7 4,156.84 TOTAL 1,5 0,796.86 2,7 4,156.84 KEY INDICATORS Per Branch Productivity 4,099.88 4,255.86 CD Ratio 96.93 93.11 Per Employee Productivity 1,185.46 1,072.02 Recovery (%) 91.49 95.42 Gross NPA (%) 2.00 2.17 Net NPA (%) 0.51 0.60 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 11 ,17,987.24 18 ,42,660.34 Loan O/s 64.82 Fin. Return 9.59 8.44 Loans Disbursed 12 ,07,010.60 20 ,48,661.96 Deposits 71.60 Fin. Cost 6.29 5.57 Gross NPAs 22 ,384.99 39 ,980.74 Net Profit/Loss(-) 73.42 Fin. Margin 3.30 2.86 Net NPA 5,3 88.05 10 ,699.68 Salary 0.99 1.68 Average Working Fund 14 ,38,633.14 28 ,31,897.98 Other Opt. Exp. 0.92 0.55 Net Profit/Loss (-) 16 ,510.07 28 ,632.46 Misc. Income 0.89 1.25 Gross Margin 2.28 1.88 Risk Cost 1.13 0.87 Net Margin 1.15 1.01

103 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Indian Overseas Bank Total RRBs: 1 No. of Districts: 13 No of Branches : 549 No. of Staff : 2379 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 67 ,560.53 78 ,219.86 Cash in Hand 8,0 64.03 6,3 01.93 Reserves 72 ,777.54 5,5 83.54 Balances with RBI 75 ,399.85 36 ,060.87 - Balances in Current A/c 10 ,991.59 19 ,821.37 Deposits 17 ,45,167.21 12 ,58,887.54 Balances in Deposit A/c 2,3 5,270.81 34 ,810.72 Current 13 ,784.90 9,8 37.89 Other Investments 8,8 5,185.60 7,1 0,576.35 Savings 6,7 4,262.18 5,7 2,155.76 Loans & Advances (Net) 8,4 5,321.79 4,3 9,833.06 Term 10 ,57,120.13 6,7 6,893.89 Fixed Assets 4,7 12.02 2,1 36.21 Borrowings 2,6 9,731.09 3,4 50.58 Other Assets 1,0 4,373.93 47 ,494.63 NABARD 2,6 3,728.51 69 .17 Accumulated Losses 63 ,011.23 1,0 2,602.58 Sponsor Banks - - Others 6,0 02.58 3,3 81.41 Other Liabilities 77 ,094.48 53 ,496.20 TOTAL 22 ,32,330.85 13 ,99,637.72 TOTAL 22 ,32,330.85 13 ,99,637.72 EXPENDITURE INCOME Interest on Deposits 96 ,434.90 62 ,761.69 Interest on Advances 94 ,820.86 38 ,380.33 Interest on RBI/Inter Bk. Funds 26 ,984.02 38 .12 Interest on Investments & Bank Balances 79 ,210.33 48 ,692.83 Interest on Others 88 .68 - Commission 4,7 29.25 49 7.58 Wage Bill 52 ,379.13 39 ,915.70 Other Income 9,9 80.60 11 ,963.73 Other Operating Expenses 13 ,521.69 7,7 31.04 Provisions and Contingencies 13 ,939.18 28 ,679.27 Income over Expenditure 7,3 32.24 - Exp. Over Income 21 ,938.80 39 ,591.35 No. of RRBs in Profit 1 - No. of RRBs in Loss 1 1 TOTAL 2,1 0,679.84 1,3 9,125.82 TOTAL 2,1 0,679.84 1,3 9,125.82 KEY INDICATORS Per Branch Productivity 3,192.01 3,225.98 CD Ratio 62.42 40.68 Per Employee Productivity 753.86 744.46 Recovery (%) 92.18 74.06 Gross NPA (%) 12.09 26.08 Net NPA (%) 9.32 13.92 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 10 ,89,341.49 5,1 2,175.55 Loan O/s -52.98 Fin. Return 7.56 6.80 Loans Disbursed 9,1 6,520.09 2,2 8,099.61 Deposits -27.86 Fin. Cost 5.37 4.90 Gross NPAs 1,3 1,665.35 1,3 3,588.61 Net Profit/Loss(-) 171.05 Fin. Margin 2.20 1.90 Net NPA 78 ,797.21 61 ,246.12 Salary 2.28 3.12 Average Working Fund 23 ,00,923.32 12 ,80,556.65 Other Opt. Exp. 0.59 0.60 Net Profit/Loss (-) -14,6 06.56 -39,5 91.35 Misc. Income 0.64 0.97 Gross Margin -0.03 -0.85 Risk Cost 0.61 2.24 Net Margin -0.63 -3.09

104 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: J&K Bank Total RRBs: 1 No. of Districts: 13 No of Branches : 217 No. of Staff : 1051 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 9,7 16.30 9,7 16.30 Cash in Hand 80 7.27 1,0 38.28 Reserves 7,9 91.64 7,9 91.64 Balances with RBI 14 ,601.88 16 ,136.88 Balances in Current A/c 47 .69 90 7.58 Deposits 3,8 2,372.39 4,1 0,690.68 Balances in Deposit A/c 1,4 7,277.47 1,2 9,433.41 Current 13 ,535.27 12 ,356.24 Other Investments 75 ,419.61 83 ,472.27 Savings 1,8 9,564.26 1,9 7,854.09 Loans & Advances (Net) 1,8 0,393.31 2,0 9,829.59 Term 1,7 9,272.86 2,0 0,480.35 Fixed Assets 1,4 72.15 1,6 32.37 Borrowings 25 ,063.21 16 ,939.70 Other Assets 9,4 36.86 12 ,084.47 NABARD 23 ,896.44 15 ,772.93 Accumulated Losses - 11 ,933.88 Sponsor Banks - - Others 1,1 66.77 1,1 66.77 Other Liabilities 4,3 12.70 21 ,130.41 TOTAL 4,2 9,456.24 4,6 6,468.73 TOTAL 4,2 9,456.24 4,6 6,468.73 EXPENDITURE INCOME Interest on Deposits 18 ,180.58 19 ,852.78 Interest on Advances 17 ,413.72 19 ,836.92 Interest on RBI/Inter Bk. Funds 1,6 55.90 - Interest on Investments & Bank Balances 15 ,685.27 17 ,095.45 Interest on Others - 1,6 47.68 Commission 26 3.03 24 2.49 Wage Bill 8,3 35.69 25 ,977.40 Other Income 88 5.12 78 4.51 Other Operating Expenses 3,1 05.67 3,0 62.74 Provisions and Contingencies 2,1 63.29 -647 .35 Income over Expenditure 80 6.01 - Exp. Over Income - 11,9 33.88 No. of RRBs in Profit 1 - No. of RRBs in Loss - 1 TOTAL 34 ,247.14 49 ,893.25 TOTAL 34 ,247.14 49 ,893.25 KEY INDICATORS Per Branch Productivity 2,634.52 2,907.89 CD Ratio 49.51 53.65 Per Employee Productivity 561.03 600.39 Recovery (%) 66.59 73.90 Gross NPA (%) 9.47 9.11 Net NPA (%) 4.99 4.57 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 1,8 9,318.88 2,2 0,321.74 Loan O/s 16.38 Fin. Return 8.26 8.30 Loans Disbursed 91 ,896.60 1,3 0,444.96 Deposits 7.41 Fin. Cost 4.95 4.83 Gross NPAs 17 ,931.25 20 ,074.73 Net Profit/Loss(-) -1580.61 Fin. Margin 3.31 3.47 Net NPA 9,0 05.68 9,5 82.58 Salary 2.08 5.84 Average Working Fund 4,0 0,895.78 4,4 5,037.38 Other Opt. Exp. 0.77 0.69 Net Profit/Loss (-) 80 6.01 -11,9 33.88 Misc. Income 0.29 0.23 Gross Margin 0.74 -2.83 Risk Cost 0.54 -0.15 Net Margin 0.20 -2.68

105 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Punjab National Bank Total RRBs: 5 No. of Districts: 96 No of Branches : 3355 No. of Staff : 14036 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 42 ,032.59 58 ,051.35 Cash in Hand 36 ,159.04 38 ,204.92 Reserves 3,6 4,541.63 4,6 0,429.52 Balances with RBI 2,1 8,346.95 2,5 3,803.72 Balances in Current A/c 37 ,370.86 43 ,091.40 Deposits 56 ,54,391.25 69 ,44,323.71 Balances in Deposit A/c 10 ,13,457.98 9,2 0,798.39 Current 1,8 1,676.50 1,8 3,877.83 Other Investments 21 ,44,626.08 26 ,91,330.45 Savings 32 ,13,824.77 39 ,54,795.53 Loans & Advances (Net) 32 ,58,381.09 40 ,86,729.12 Term 22 ,58,889.98 28 ,05,650.35 Fixed Assets 19 ,071.36 20 ,349.77 Borrowings 7,9 1,535.11 7,2 8,734.72 Other Assets 2,1 7,905.87 2,7 0,910.35 NABARD 6,7 6,581.89 6,1 7,541.87 Accumulated Losses - 22 ,020.28 Sponsor Banks 86 ,698.36 96 ,324.03 Others 28 ,254.86 14 ,868.82 Other Liabilities 92 ,818.65 1,5 5,699.10 TOTAL 69 ,45,319.23 83 ,47,238.40 TOTAL 69 ,45,319.23 83 ,47,238.40 EXPENDITURE INCOME Interest on Deposits 1,6 8,344.65 3,1 6,463.79 Interest on Advances 1,7 7,388.76 3,7 7,209.23 Interest on RBI/Inter Bk. Funds 20 ,189.53 42 ,620.89 Interest on Investments & Bank Balances 1,3 6,221.76 2,6 5,897.82 Interest on Others 64 .65 1,5 92.46 Commission 3,2 89.77 7,3 63.67 Wage Bill 66 ,472.24 1,7 9,113.76 Other Income 26 ,418.51 61 ,316.22 Other Operating Expenses 27 ,346.03 1,0 0,838.24 Provisions and Contingencies 80 ,413.64 68 ,990.42 Income over Expenditure 11,4 99.06 24 ,187.66 Exp. Over Income 31 ,011.00 22 ,020.28 No. of RRBs in Profit 3 4 No. of RRBs in Loss 2 1 TOTAL 3,7 4,329.80 7,3 3,807.22 TOTAL 3,7 4,329.80 7,3 3,807.22 KEY INDICATORS Per Branch Productivity 3,123.07 3,386.45 CD Ratio 62.27 63.61 Per Employee Productivity 749.58 809.46 Recovery (%) 76.63 75.80 Gross NPA (%) 13.83 12.83 Net NPA (%) 8.26 6.28 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 35 ,21,197.26 44 ,17,220.70 Loan O/s 25.45 Fin. Return 4.70 7.91 Loans Disbursed 28 ,49,554.98 48 ,77,547.05 Deposits 22.81 Fin. Cost 2.83 4.44 Gross NPAs 4,8 7,055.76 5,6 6,559.56 Net Profit/Loss(-) -111.11 Fin. Margin 1.87 3.48 Net NPA 2,6 9,295.23 2,5 6,745.58 Salary 1.00 2.20 Average Working Fund 66 ,68,764.81 81 ,27,407.15 Other Opt. Exp. 0.41 1.24 Net Profit/Loss (-) -19,5 11.94 2,1 67.38 Misc. Income 0.45 0.85 Gross Margin 0.91 0.88 Risk Cost 1.21 0.85 Net Margin -0.29 0.03

106 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: State Bank of India Total RRBs: 15 No. of Districts: 227 No of Branches : 5,318 No. of Staff : 20136 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1, 91,000.13 2, 40,709.01 Cash in Hand 64 ,606.40 61 ,610.61 Reserves 6, 35,922.76 6, 54,017.51 Balances with RBI 4, 25,805.39 3, 64,561.11 Balances in Current A/c 1, 16,135.54 95 ,351.55 Deposits 1, 03,25,849.92 1, 07,52,108.06 Balances in Deposit A/c 23 ,25,763.69 30 ,91,123.55 Current 2, 47,396.46 1, 97,848.47 Other Investments 36 ,94,570.48 36 ,16,623.05 Savings 53 ,03,151.01 57 ,52,482.07 Loans & Advances (Net) 57 ,86,695.74 58 ,36,193.87 Term 47 ,75,302.45 48 ,01,777.52 Fixed Assets 29 ,876.86 29 ,129.70 Borrowings 13 ,23,830.87 15 ,67,639.48 Other Assets 4, 84,653.72 4, 84,197.11 NABARD 12 ,26,399.55 13 ,69,196.78 Accumulated Losses 1, 23,343.56 1, 87,895.48 Sponsor Banks 68 ,705.98 8, 789.07 Others 28 ,725.34 1, 89,653.63 Other Liabilities 5, 74,847.70 5, 52,211.97 TOTAL 1, 30,51,451.38 1, 37,66,686.03 TOTAL 1, 30,51,451.38 1, 37,66,686.03 EXPENDITURE INCOME Interest on Deposits 5, 09,271.92 5, 15,866.61 Interest on Advances 5, 71,466.69 5, 84,602.62 Interest on RBI/Inter Bk. Funds 79 ,936.59 71 ,385.08 Interest on Investments & Bank Balances 4, 15,790.13 4, 37,662.95 Interest on Others 10 .74 32 2.11 Commission 79 ,221.55 76 ,961.52 Wage Bill 2, 27,847.22 3, 13,355.00 Other Income 46 ,210.38 76 ,580.16 Other Operating Expenses 1, 11,409.70 1, 02,982.40 Provisions and Contingencies 1, 97,108.86 1, 65,861.98 Income over Expenditure 37 ,565.84 89 ,607.97 Exp. Over Income 50 ,462.12 83 ,573.90 No. of RRBs in Profit 13 9 No. of RRBs in Loss 4 6 TOTAL 11, 63,150.87 12 ,59,381.15 TOTAL 11, 63,150.87 12 ,59,381.15 KEY INDICATORS Per Branch Productivity 2,917.76 3,196.24 CD Ratio 59.79 58.09 Per Employee Productivity 748.30 844.14 Recovery (%) 83.05 84.07 Gross NPA (%) 6.94 6.54 Net NPA (%) 3.29 3.10 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 61 ,74,061.53 62 ,45,499.95 Loan O/s 1.16 Fin. Return 7.98 8.06 Loans Disbursed 42 ,48,522.22 39 ,00,637.86 Deposits 4.13 Fin. Cost 4.76 4.64 Gross NPAs 4, 28,177.48 4, 08,145.13 Net Profit/Loss(-) -146.79 Fin. Margin 3.22 3.43 Net NPA 1, 90,118.16 1, 81,133.00 Salary 1.84 2.47 Average Working Fund 1, 23,71,789.03 1, 26,75,639.26 Other Opt. Exp. 0.90 0.81 Net Profit/Loss (-) -12 ,896.28 6, 034.07 Misc. Income 1.01 1.21 Gross Margin 1.49 1.36 Risk Cost 1.59 1.31 Net Margin -0.10 0.05

107 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Syndicate Bank Total RRBs: 2 No. of Districts: 14 No of Branches : 1185 No. of Staff : 6158 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 7,5 06.34 6,6 31.58 Cash in Hand 19 ,358.47 12 ,991.93 Reserves 4,5 7,077.25 3,5 6,335.28 Balances with RBI 1,8 3,837.10 99 ,945.20 Balances in Current A/c 9,9 00.88 1,2 4,760.57 Deposits 35 ,44,979.79 31 ,32,920.33 Balances in Deposit A/c 3,6 9,849.76 6,3 8,550.00 Current 1,2 1,294.40 82 ,373.52 Other Investments 10 ,17,031.95 7,6 5,212.21 Savings 14 ,69,946.95 10 ,52,105.28 Loans & Advances (Net) 30 ,71,054.52 25 ,45,113.65 Term 19 ,53,738.44 19 ,98,441.53 Fixed Assets 9,0 29.58 6,1 95.63 Borrowings 6,4 6,760.40 7,0 3,996.98 Other Assets 1,5 5,448.03 1,8 5,292.49 NABARD 6,2 3,403.89 5,5 6,940.88 Accumulated Losses - - Sponsor Banks 3,7 02.74 1,3 1,397.62 Others 19 ,653.77 15 ,658.48 Other Liabilities 1,7 9,186.51 1,7 8,177.51 TOTAL 48 ,35,510.29 43 ,78,061.68 TOTAL 48 ,35,510.29 43 ,78,061.68 EXPENDITURE INCOME Interest on Deposits 1,8 5,678.95 1,6 5,778.18 Interest on Advances 2,7 6,166.16 2,2 9,229.11 Interest on RBI/Inter Bk. Funds 43 ,913.78 31 ,378.69 Interest on Investments & Bank Balances 1,0 5,623.38 89 ,507.71 Interest on Others 87 .62 - Commission 5,6 89.86 2,0 15.71 Wage Bill 1,0 9,197.54 1,2 1,140.08 Other Income 44 ,533.58 51 ,753.63 Other Operating Expenses 34 ,001.15 23 ,042.62 Provisions and Contingencies 57 ,327.01 63 ,526.27 Income over Expenditure 28 ,129.81 28 ,136.61 Exp. Over Income 26 ,322.88 60 ,496.29 No. of RRBs in Profit 2 1 No. of RRBs in Loss 1 1 TOTAL 4,5 8,335.86 4,3 3,002.45 TOTAL 4,5 8,335.86 4,3 3,002.45 KEY INDICATORS Per Branch Productivity 4,199.80 4,878.63 CD Ratio 89.67 84.53 Per Employee Productivity 810.50 938.81 Recovery (%) 83.05 84.07 Gross NPA (%) 6.74 7.06 Net NPA (%) 3.46 3.21 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 31 ,78,904.40 26 ,48,261.70 Loan O/s -16.69 Fin. Return 8.17 8.05 Loans Disbursed 21 ,38,122.08 19 ,30,436.29 Deposits -11.62 Fin. Cost 4.92 4.98 Gross NPAs 2,1 4,166.27 1,8 7,034.01 Net Profit/Loss(-) -1890.87 Fin. Margin 3.26 3.07 Net NPA 1,0 6,316.26 81 ,680.00 Salary 2.34 3.06 Average Working Fund 46 ,71,231.19 39 ,61,596.00 Other Opt. Exp. 0.73 0.58 Net Profit/Loss (-) 1,8 06.93 -32,3 59.68 Misc. Income 1.08 1.36 Gross Margin 1.27 0.79 Risk Cost 1.23 1.60 Net Margin 0.04 -0.82

108 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: United Bank of India Total RRBs: 4 No. of Districts: 63 No of Branches : 1235 No. of Staff : 5133 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 1,0 5,292.50 1,3 1,933.62 Cash in Hand 17 ,555.75 24 ,733.39 Reserves 56 ,920.69 96 ,322.41 Balances with RBI 1,2 9,524.77 1,2 3,869.51 Balances in Current A/c 1,2 7,995.12 1,5 7,388.69 Deposits 31 ,71,507.90 35 ,02,912.44 Balances in Deposit A/c 2,2 7,202.32 3,3 0,036.95 Current 1,0 3,800.10 1,2 5,932.34 Other Investments 17 ,51,506.11 18 ,70,467.58 Savings 18 ,19,314.14 20 ,54,673.94 Loans & Advances (Net) 11 ,67,405.70 12 ,13,234.59 Term 12 ,48,393.66 13 ,22,306.16 Fixed Assets 7,4 96.31 7,8 50.13 Borrowings 1,6 8,231.06 1,0 7,295.47 Other Assets 1,8 1,311.27 1,8 0,817.81 NABARD 38 ,402.15 35 ,569.19 Accumulated Losses 63 ,561.42 1,4 7,125.10 Sponsor Banks 1,1 8,785.25 62 ,108.77 Others 11 ,043.66 9,6 17.51 Other Liabilities 1,7 1,606.62 2,1 7,059.81 TOTAL 36 ,73,558.77 40 ,55,523.75 TOTAL 36 ,73,558.77 40 ,55,523.75 EXPENDITURE INCOME Interest on Deposits 1,4 6,198.51 1,6 1,180.14 Interest on Advances 96 ,360.32 1,0 2,041.69 Interest on RBI/Inter Bk. Funds 4,3 18.86 3,0 93.15 Interest on Investments & Bank Balances 1,3 6,877.91 1,4 6,244.75 Interest on Others 1,8 16.34 1,0 38.73 Commission 1,9 55.91 2,3 84.09 Wage Bill 69 ,102.07 1,1 8,594.83 Other Income 24 ,018.59 49 ,388.68 Other Operating Expenses 19 ,393.98 28 ,044.36 Provisions and Contingencies 38 ,693.33 37 ,490.44 Income over Expenditure 12 ,544.76 15 ,787.42 Exp. Over Income 32 ,855.12 65 ,169.86 No. of RRBs in Profit 1 1 No. of RRBs in Loss 3 3 TOTAL 2,9 2,067.85 3,6 5,229.07 TOTAL 2,9 2,067.85 3,6 5,229.07 KEY INDICATORS Per Branch Productivity 3,778.47 3,910.16 CD Ratio 39.99 37.86 Per Employee Productivity 830.16 940.79 Recovery (%) 62.72 69.33 Gross NPA (%) 26.36 23.72 Net NPA (%) 18.03 14.61 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 12 ,68,190.87 13 ,26,140.65 Loan O/s 4.57 Fin. Return 7.06 6.98 Loans Disbursed 6,0 6,380.45 9,3 9,490.30 Deposits 10.45 Fin. Cost 4.61 4.65 Gross NPAs 3,3 4,351.10 3,1 4,581.90 Net Profit/Loss(-) 143.14 Fin. Margin 2.45 2.33 Net NPA 2,1 0,524.63 1,7 7,197.54 Salary 2.09 3.34 Average Working Fund 33 ,01,788.14 35 ,54,805.62 Other Opt. Exp. 0.59 0.79 Net Profit/Loss (-) -20,3 10.36 -49,3 82.44 Misc. Income 0.79 1.46 Gross Margin 0.56 -0.33 Risk Cost 1.17 1.05 Net Margin -0.62 -1.39

109 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: Union Bank of India Total RRBs: 1 No. of Districts: 8 No of Branches : 459 No. of Staff : 2073 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 4,5 60.60 4,5 60.60 Cash in Hand 8,5 64.34 8,1 40.60 Reserves 56 ,385.18 29 ,720.40 Balances with RBI 46 ,466.09 48 ,946.09 Balances in Current A/c 15 ,135.63 11 ,263.63 Deposits 11 ,78,249.62 12 ,28,168.69 Balances in Deposit A/c 4,4 3,158.74 5,0 9,436.15 Current 34 ,851.12 32 ,842.62 Other Investments 3,7 4,688.20 3,1 8,153.92 Savings 6,9 1,737.37 7,2 5,383.61 Loans & Advances (Net) 3,7 6,453.01 4,1 5,550.31 Term 4,5 1,661.13 4,6 9,942.46 Fixed Assets 1,5 76.40 1,5 53.70 Borrowings 36 ,955.86 33 ,595.74 Other Assets 34 ,164.31 38 ,958.63 NABARD 21 ,222.69 19 ,852.58 Accumulated Losses - - Sponsor Banks 7,3 40.28 7,4 44.20 Others 8,3 92.89 6,2 98.96 Other Liabilities 24 ,055.46 55 ,957.60 TOTAL 13 ,00,206.72 13 ,52,003.03 TOTAL 13 ,00,206.72 13 ,52,003.03 EXPENDITURE INCOME Interest on Deposits 55 ,691.09 56 ,619.02 Interest on Advances 32 ,959.93 37 ,176.77 Interest on RBI/Inter Bk. Funds 3,2 31.38 3,1 22.69 Interest on Investments & Bank Balances 59 ,999.14 59 ,435.40 Interest on Others - - Commission 61 2.04 59 5.54 Wage Bill 18 ,283.63 24 ,565.50 Other Income 3,5 88.44 2,2 56.02 Other Operating Expenses 15 ,879.34 49 ,984.54 Provisions and Contingencies 84 1.70 -8,16 3.24 Income over Expenditure 3,2 32.41 - Exp. Over Income - 26 ,664.78 No. of RRBs in Profit 1 - No. of RRBs in Loss - 1 TOTAL 97 ,159.55 1,2 6,128.51 TOTAL 97 ,159.55 1,2 6,128.51 KEY INDICATORS Per Branch Productivity 3,429.85 3,627.36 CD Ratio 33.61 35.56 Per Employee Productivity 726.82 803.16 Recovery (%) 61.77 61.59 Gross NPA (%) 8.88 11.81 Net NPA (%) 4.03 7.21 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 3,9 6,051.18 4,3 6,790.63 Loan O/s 10.29 Fin. Return 7.43 7.34 Loans Disbursed 3,3 1,652.00 2,0 6,591.00 Deposits 4.24 Fin. Cost 4.71 4.54 Gross NPAs 35 ,184.80 51 ,590.00 Net Profit/Loss(-) -924.92 Fin. Margin 2.72 2.80 Net NPA 15 ,168.74 29 ,967.28 Salary 1.46 1.87 Average Working Fund 12 ,50,951.00 13 ,16,297.04 Other Opt. Exp. 1.27 3.80 Net Profit/Loss (-) 3,2 32.41 -26,6 64.78 Misc. Income 0.34 0.22 Gross Margin 0.33 -2.65 Risk Cost 0.07 -0.62 Net Margin 0.26 -2.03

110 Financial Statements of RRBs as on 31 March 2020

2019-20 Amt. in `lakh Name of Sponsor Bank: UCO Bank Total RRBs: 1 No. of Districts: 5 No of Branches : 230 No. of Staff : 989 LIABILITIES 31-Mar-19 31-Mar-20 ASSETS 31-Mar-19 31-Mar-20 Share Capital 30 ,901.95 30 ,901.95 Cash in Hand 1,7 44.10 3,2 59.42 Reserves - - Balances with RBI 20 ,647.17 22 ,157.14 Balances in Current A/c 8,5 85.53 12 ,569.38 Deposits 5,1 8,130.42 5,5 3,173.69 Balances in Deposit A/c 1,2 5,828.23 1,3 7,865.07 Current 4,6 19.85 4,5 67.50 Other Investments 1,4 1,982.58 1,2 8,822.66 Savings 2,7 9,314.85 3,0 1,528.28 Loans & Advances (Net) 2,7 3,953.25 2,7 9,112.07 Term 2,3 4,195.72 2,4 7,077.91 Fixed Assets 1,0 25.52 1,0 65.87 Borrowings 23 ,700.37 13 ,829.60 Other Assets 14 ,143.38 13 ,538.83 NABARD 20 ,979.67 13 ,108.94 Accumulated Losses 10 ,117.08 24 ,389.60 Sponsor Banks 2,0 00.00 - Others 72 0.70 72 0.66 Other Liabilities 25 ,294.10 24 ,874.80 TOTAL 5,9 8,026.84 6,2 2,780.04 TOTAL 5,9 8,026.84 6,2 2,780.04 EXPENDITURE INCOME Interest on Deposits 24 ,358.05 25 ,809.17 Interest on Advances 24 ,304.35 28 ,628.68 Interest on RBI/Inter Bk. Funds 1,4 04.86 91 3.33 Interest on Investments & Bank Balances 19 ,970.90 19 ,660.92 Interest on Others - - Commission 40 8.13 39 7.89 Wage Bill 8,9 64.39 26 ,353.90 Other Income 3,0 01.29 3,5 88.27 Other Operating Expenses 3,7 32.19 4,2 79.08 Provisions and Contingencies 8,5 45.42 9,1 92.80 Income over Expenditure 67 9.76 - Exp. Over Income - 14 ,272.52 No. of RRBs in Profit 1 - No. of RRBs in Loss - 1 TOTAL 47 ,684.67 66 ,548.28 TOTAL 47 ,684.67 66 ,548.28 KEY INDICATORS Per Branch Productivity 3,443.84 3,689.83 CD Ratio 52.87 53.42 Per Employee Productivity 785.02 858.10 Recovery (%) 65.68 74.24 Gross NPA (%) 13.76 14.31 Net NPA (%) 9.05 9.28 OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS Gross loans Outstanding 2,7 3,953.25 2,9 5,488.07 Loan O/s 7.86 Fin. Return 7.94 8.24 Loans Disbursed 1,9 9,819.77 2,9 1,250.66 Deposits 6.76 Fin. Cost 4.62 4.56 Gross NPAs 37 ,696.09 42 ,286.34 Net Profit/Loss(-) -2199.64 Fin. Margin 3.32 3.68 Net NPA 24 ,793.96 25 ,909.78 Salary 1.61 4.50 Average Working Fund 5,5 7,751.61 5,8 5,872.63 Other Opt. Exp. 0.67 0.73 Net Profit/Loss (-) 67 9.76 -14,2 72.52 Misc. Income 0.61 0.68 Gross Margin 1.65 -0.87 Risk Cost 1.53 1.57 Net Margin 0.12 -2.44

111 Appendix: Amalgamation of RRBs from FY 2005-06 (196 RRBs) to 43 RRBs (1 April 2020)

112 Appendix: Amalgamation of RRBs from FY 2005-06 (196 RRBs) to 43 RRBs (1 April 2020) Sponsor Bank of New S. No. State/UT Name of Sponsor Bank Name of Amalgamated Entity Date RRB 1 2 3 4 5 6 7 Amalgamations During FY 2005-06 Uttar Pradesh GORAKHPUR KSHETRIYA GRAMIN BANK State Bank of India 1 PURVANCHAL GRAMIN BANK State Bank of India 12-Sep-05 Uttar Pradesh BASTI GRAMIN BANK State Bank of India Uttar Pradesh KASHI GRAMIN BANK Union Bank of India 2 Uttar Pradesh GOMTI GRAMIN BANK Union Bank of India KASHI GOMTI SAMYUT GRAMIN BANK Union Bank of India 12-Sep-05 Uttar Pradesh SAMYUT KSHETRIYA GRAMIN BANK Union Bank of India Punjab GURDASPUR-AMRITSASR KSHETRIYA GRAMIN VIKAS BANKPunjab National Bank 3 Punjab KAPURTHALA-FEROZPUR KSHETRIYA GRAMIN BANK Punjab National Bank PUNJAB GRAMIN BANK Punjab National Bank 12-Sep-05 Punjab SHIVALIK KSHETRIYA GRAMIN BANK Punjab National Bank Gujarat VALSAD-DANGS GRAMIN BANK Bank of Baroda 4 Gujarat SURAT-BHARUCH GRAMIN BANK Bank of Baroda BARODA GUJARAT GRAMIN BANK Bank of Baroda 12-Sep-05 Gujarat PANCHMAHAL VADODARA GRAMIN BANK Bank of Baroda Maharashtra AKOLA GRAMIN BANK Central Bank of India 5 Maharashtra YAVATMAL GRAMIN BANK Central Bank of India VIDHARBHA KSHETRIYA GRAMIN BANK Central Bank of India 12-Sep-05 Maharashtra BULDHANA GRAMIN BANK Central Bank of India Gujarat KUTCH GRAMIN BANK Dena Bank

1 6 Gujarat BANASKANTHA-MEHASANA GRAMIN BANK Dena Bank DENA GUJARAT GRAMIN BANK Dena Bank 12-Sep-05 13 Gujarat SABARKANTHA-GANDHINAGAR GRAMIN BANK Dena Bank Karnataka TUNGHABHADRA GRAMEENA BANK Canara Bank Karnataka CHITRADURGA GRAMEENA BANK Canara Bank 7 PRAGATHI GRAMIN BANK Canara Bank 12-Sep-05 Karnataka KOLAR GRAMEENA BANK Canara Bank Karnataka SAHYADRI GRAMEENA BANK Canara Bank Karnataka MALAPRABHA GRAMEENA BANK Syndicate Bank Karnataka BIJAPUR GRAMEENA BANK Syndicate Bank 8 KARNATAKA VIKAS GRAMEENA BANK Syndicate Bank 12-Sep-05 Karnataka NETRAVATHI GRAMEENA BANK Syndicate Bank Karnataka VARADA GRAMEENA BANK Syndicate Bank Bihar BEGUSARAI KSHETRIYA GRAMIN BANK UCO Bank 9 Bihar BHAGALPUR BANKA KSHETRIYA GRAMIN BANK UCO Bank BIHAR KSHETRIYA GRAMIN BANK UCO Bank 12-Sep-05 Bihar MONGHYR KSHETRIYA GRAMIN BANK UCO Bank Uttar Pradesh VIDUR GRAMIN BANK Punjab National Bank 10 Uttar Pradesh MUZAFFARNAGAR KSHETRIYA GRAMIN BANK Punjab National Bank UTTAR PRADESH GRAMIN BANK Punjab National Bank 21-Dec-05 Uttar Pradesh HINDON GRAMIN BANK Punjab National Bank Haryana HARYANA KSHETRIYA GRAMIN BANK Punjab National Bank 11 Haryana HISSAR-SIRSA KSHETRIYA GRAMIN BANK Punjab National Bank HARYANA GRAMIN BANK Punjab National Bank 21-Dec-05 Haryana AMBALA KURUKSHETRA GRAMIN BANK Punjab National Bank Gujarat JAMNAGAR RAJKOT GRAMIN BANK 12 Gujarat SURENDRANAGAR-BHAVNAGAR GRAMIN BANK State Bank of Saurashtra SAURASHTRA GRAMIN BANK State Bank of Saurashtra 02-Jan-06 Gujarat JUNAGADH-AMRELI GRAMIN BANK State Bank of Saurashtra Orissa CUTTACK GRAMYA BANK UCO Bank 13 KALINGA GRAMYA BANK UCO Bank 02-Jan-06 Orissa BALASORE GRAMIN BANK UCO Bank Appendix: Amalgamation of RRBs from FY 2005-06 (196 RRBs) to 43 RRBs (1 April 2020) Sponsor Bank of New S. No. State/UT Name of Regional Rural Bank Sponsor Bank Name of Amalgamated Entity Date RRB 1 2 3 4 5 6 7 Assam PRAGJYOTISH GAONLIA BANK United Bank of India Assam LAKHIMI GAONLIA BANK United Bank of India 14 ASSAM GRAMIN VIKASH BANK United Bank of India 12-Jan-06 Assam CACHAR GRAMIN BANK United Bank of India Assam SUBANSIRI GAONLIA BANK United Bank of India Rajasthan SHEKHAWATI GRAMIN BANK Punjab National Bank 15 RAJASTHAN GRAMIN BANK Punjab National Bank 24-Jan-06 Rajasthan ALWAR-BHARATPUR ANCHALIK GRAMIN BANK Punjab National Bank Rajasthan JAIPUR NAGAUR ANCHALIK GRAMIN BANK UCO Bank 16 JAIPUR THAR GRAMIN BANK UCO Bank 27-Jan-06 Rajasthan THAR ANCHALIK GRAMIN BANK UCO Bank Rajasthan MARUDHAR KSHETRIYA GRAMIN BANK Bank of Baroda Rajasthan ARAVALI KSHETRIYA GRAMIN BANK Bank of Baroda 17 Rajasthan BUNDI CHITORGARH KSHETRIYA GRAMIN BANK Bank of Baroda BARODA RAJASTHAN GRAMIN BANK Bank of Baroda 03-Feb-06 Rajasthan BHILWARA-AJMER KSHETRIYA GRAMIN BANK Bank of Baroda Rajasthan DUNGARPUR-BANASWARA GRAMIN BANK Bank of Baroda Bihar BHOJPUR ROHTAS GRAMIN BANK Punjab National Bank Bihar MAGADH GRAMIN BANK Punjab National Bank 18 MADHYA BIHAR GRAMIN BANK Punjab National Bank 10-Feb-06 Bihar NALANDA GRAMIN BANK Punjab National Bank Bihar PATLIPUTRA GRAMIN BANK Punjab National Bank Uttar Pradesh RAEBARELI KSHETRIYA GRAMIN BANK Bank of Baroda

1 Uttar Pradesh SULTANPUR KSHETRIYA GRAMIN BANK Bank of Baroda 14 Uttar Pradesh KANPUR KSHETRIYA GRAMIN BANK Bank of Baroda 19 Uttar Pradesh ALLAHABAD KSHETRIYA GRAMIN BANK Bank of Baroda BARODA EASTERN UTTAR PRADESH GRAMIN BANK Bank of Baroda 23-Feb-06 Uttar Pradesh PRATAPGARH KSHETRIYA GRAMIN BANK Bank of Baroda Uttar Pradesh FAIZABAD KSHETRIYA GRAMIN BANK Bank of Baroda Uttar Pradesh FATEHPUR KSHETRIYA GRAMIN BANK Bank of Baroda Uttar Pradesh BHAGIRATH GRAMIN BANK Allahabad Bank 20 Uttar Pradesh SHRAVASTI GRAMIN BANK Allahabad Bank LUCKNOW KSHETRIYA GRAMIN BANK Allahabad Bank 01-Mar-06 Uttar Pradesh SARAYU GRAMIN BANK Allahabad Bank Uttar Pradesh TULSI GRAMIN BANK Allahabad Bank 21 Uttar Pradesh CHHATRASAL GRAMIN BANK Allahabad Bank TRIVENI KSHETRIYA GRAMIN BANK Allahabad Bank 01-Mar-06 Uttar Pradesh VINDHYAVASINI GRAMIN BANK Allahabad Bank Bihar CHAMPARAN GRAMIN BANK Central Bank of India Bihar VASHALI KSHETRIYA GRAMIN BANK Central Bank of India Bihar MADHUBANI KSHETRIYA GRAMIN BANK Central Bank of India 22 Bihar MITHILA KSHETRIYA GRAMIN BANK Central Bank of India UTTAR BIHAR KSHETRIYA GRAMIN BANK Central Bank of India 01-Mar-06 Bihar GOPALGANJ KSHETRIYA GRAMIN BANK Central Bank of India Bihar SARAN KSHETRIYA GRAMIN BANK Central Bank of India Bihar SIWAN KSHETRIYA GRAMIN BANK Central Bank of India Andhra Pradesh CHAITANYA GRAMEENA BANK Andhra Bank 23 CHAITANYA GODAVARI GRAMEENA BANK Andhra Bank 01-Mar-06 Andhra Pradesh GODAVARI GRAMEENA BANK Andhra Bank Andhra Pradesh SRI SARASWATHI GRAMEENA BANK Andhra Pradesh SRI SATHAVAHANA GRAMEENA BANK State Bank of Hyderabad 24 DECCAN GRAMEENA BANK State Bank of Hyderabad 24-Mar-06 Andhra Pradesh GOLCONDA GRAMEENA BANK State Bank of Hyderabad Andhra Pradesh SRI RAMA GRAMEENA BANK State Bank of Hyderabad Appendix: Amalgamation of RRBs from FY 2005-06 (196 RRBs) to 43 RRBs (1 April 2020) Sponsor Bank of New S. No. State/UT Name of Regional Rural Bank Sponsor Bank Name of Amalgamated Entity Date RRB 1 2 3 4 5 6 7 Uttar Pradesh BAREILLY KSHETRIYA GRAMIN BANK Bank of Baroda 25 BARODA WESTERN UTTAR PRADESH GRAMIN BANK Bank of Baroda 31-Mar-06 Uttar Pradesh SHAHJAHANPUR KSHETRIYA GRAMIN BANK Bank of Baroda Andhra Pradesh NAGARJUNA GRAMEENA BANK State Bank of India Andhra Pradesh SRI VISAKHA GRAMIN BANK State Bank of India 26 Andhra Pradesh SANGAMESHWARA GRAMEENA BANK State Bank of India ANDHRA PRADESH GRAMEENA VIKAS BANK State Bank of India 31-Mar-06 Andhra Pradesh MANJIRA GRAMEENA BANK State Bank of India Andhra Pradesh KAKATHIYA GRAMEENA BANK State Bank of India Amalgamations During FY 2006-07 Madhya Pradesh DEWAS-SHAJAPUR KSHETRIYA GRAMIN BANK Bank of India Madhya Pradesh INDORE-UJJAIN KSHETRIYA GRAMIN BANK Bank of India 1 NARMADA MALWA GRAMIN BANK Bank of India 03-Apr-06 Madhya Pradesh NIMAR KSHETRIYA GRAMIN BANK Bank of India Madhya Pradesh RAJGARH-SEHORE KSHETRIYA GRAMIN BANK Bank of India Karnataka CAUVERY GRAMEENA BANK 2 CAUVERY KALPATHARU GRAMEENA BANK State Bank of Mysore 24-May-06 Karnataka KALPATHARU GRAMEENA BANK State Bank of Mysore Madhya Pradesh HOSHANGABAD KSHETRIYA GRAMIN BANK Central Bank of India Madhya Pradesh CHHINDWARA-SEONI KSHETRIYA GRAMIN BANK Central Bank of India 3 SATPURA KSHETRIYA GRAMIN BANK Central Bank of India 01-Jun-06 Madhya Pradesh MANDLA-BALAGHAT KSHETRIYA GRAMIN BANK Central Bank of India 1

15 Madhya Pradesh SHAHDOL KSHETRIYA GRAMIN BANK Central Bank of India Uttar Pradesh ALIGARH KSHETRIYA GRAMIN BANK Canara Bank 4 Uttar Pradesh ETAH GRAMIN BANK Canara Bank SHREYAS GRAMIN BANK Canara Bank 01-Jun-06 Uttar Pradesh JAMUNA GRAMIN BANK Canara Bank Andhra Pradesh PINAKINI GRAMEENA BANK Syndicate Bank 5 Andhra Pradesh RAYALSEEMA GRAMIN BANK Syndicate Bank ANDHRA PRAGATHI GRAMEENA BANK Syndicate Bank 01-Jun-06 Andhra Pradesh SREE ANANTHA GRAMEENA BANK Syndicate Bank Jharkhand GIRIDIH KSHETRIYA GRAMIN BANK Bank of India Jharkhand HAZARIBAGH KSHETRIYA GRAMIN BANK Bank of India 6 JHARKHAND GRAMIN BANK Bank of India 12-Jun-06 Jharkhand RANCHI KSHETRIYA GRAMIN BANK Bank of India Jharkhand SINGHBHUM KSHETRIYA GRAMIN BANK Bank of India Rajasthan BIKANER KSHETRIYA GRAMIN BANK State Bank of Bikaner & Jaipur State Bank of Bikaner & 7 Rajasthan MARWAR GRAMIN BANK State Bank of Bikaner & Jaipur MARWAR GANGANAGAR BIKANER GRAMIN BANK 12-Jun-06 Jaipur Rajasthan SRIGANGANAGAR KSHETRIYA GRAMIN BANK State Bank of Bikaner & Jaipur Andhra Pradesh KANAKADURGA GRAMEENA BANK Indian Bank 8 SAPTAGIRI GRAMEENA BANK Indian Bank 30-Jun-06 Andhra Pradesh SRI VENKATESWARA GRAMEENA BANK Indian Bank Chhattisgarh BASTAR KSHETRIYA GRAMIN BANK State Bank of India 9 Chhattisgarh BILASPUR RAIPUR KSHETRIYA GRAMIN BANK State Bank of India CHHATTISGARH GRAMIN BANK State Bank of India 30-Jun-06 Chhattisgarh RAIGARH KSHETRIYA GRAMIN BANK State Bank of India Madhya Pradesh BUNDELKHAND KSHETRIYA GRAMIN BANK State Bank of India 10 Madhya Pradesh DAMOH-PANNA-SAGAR KSHETRIYA GRAMIN BANK State Bank of India MADHYA BHARATH GRAMIN BANK State Bank of India 30-Jun-06 Madhya Pradesh SHIVPURI-GUNA KSHETRIYA GRAMIN BANK State Bank of India Jharkhand PALAMAU KSHETRIYA GRAMIN BANK State Bank of India 11 VANANCHAL GRAMIN BANK State Bank of India 30-Jun-06 Jharkhand SANTHAL PARGANAS GRAMIN BANK State Bank of India Appendix: Amalgamation of RRBs from FY 2005-06 (196 RRBs) to 43 RRBs (1 April 2020) Sponsor Bank of New S. No. State/UT Name of Regional Rural Bank Sponsor Bank Name of Amalgamated Entity Date RRB 1 2 3 4 5 6 7 Uttaranchal ALAKNANDA GRAMIN BANK State Bank of India 12 Uttaranchal GANGA-YAMUNA GRAMIN BANK State Bank of India UTTARANCHAL GRAMIN BANK State Bank of India 30-Jun-06 Uttaranchal PITHORAGARH KSHETRIYA GRAMIN BANK State Bank of India Madhya Pradesh CHAMBAL KSHETRIYA GRAMIN BANK Central Bank of India 13 CHAMBAL-GWALIOR KSHETRIYA GRAMIN BANK Central Bank of India 01-Jul-06 Madhya Pradesh GWALIOR-DATIA KSHETRIYA GRAMIN BANK Central Bank of India Orissa BOLANGIR ANCHALIK GRAMIN BANK State Bank of India 14 Orissa KALAHANDI ANCHALIK GRAMIN BANK State Bank of India UTKAL GRAMYA BANK State Bank of India 31-Jul-06 Orissa KORAPUT PANCHABATI GRAMIN BANK State Bank of India Maharashtra BHANDARA GRAMIN BANK Bank of India 15 WAINGANGA KSHETRIYA GRAMIN BANK Bank of India 01-Aug-06 Maharashtra CHANDRAPUR-GADCHIROLI GRAMIN BANK Bank of India Tamil Nadu ADHIYAMAN GRAMA BANK Indian Bank 16 PALLAVAN GRAMA BANK Indian Bank 31-Aug-06 Tamil Nadu VALLALAR GRAMA BANK Indian Bank Uttar Pradesh AVADH GRAMIN BANK Bank of India 17 Uttar Pradesh BARABANKI GRAMIN BANK Bank of India ARYAVART GRAMIN BANK Bank of India 03-Oct-06 Uttar Pradesh FARRUKHABAD GRAMIN BANK Bank of India West Bengal GAUR GRAMIN BANK United Bank of India West Bengal MALLABHUM GRAMIN BANK United Bank of India 18 West Bengal MURSHIDABAD GRAMIN BANK United Bank of India BANGIYA GRAMIN BANK United Bank of India 21-Feb-07

1 West Bengal NADIA GRAMIN BANK United Bank of India 16 West Bengal SAGAR GRAMIN BANK United Bank of India West Bengal BARDHAMAN GRAMIN BANK UCO Bank 19 West Bengal HOWRAH GRAMIN BANK UCO Bank PASCHIM BANGA GRAMIN BANK UCO Bank 26-Feb-07 West Bengal MAYURAKSHI GRAMIN BANK UCO Bank Uttaranchal was renamed Uttarakhand w.e.f 1 January 2007 Amalgamations During FY 2007-08 Orissa DHENKANAL GRAMYA BANK Indian Overseas Bank 1 NEELACHAL GRAMYA BANJK Indian Overseas Bank 31-Aug-07 Orissa PURI GRAMYA BANK Indian Overseas Bank Uttar Pradesh DEVI PATAN KSHETRIYA GRAMIN BANK Punjab National Bank Uttar Pradesh KISAN GRAMIN BANK Punjab National Bank 2 SARVA U.P. GRAMIN BANK Punjab National Bank 30-Nov-07 Uttar Pradesh RANI LAKSHMI BAI KSHETRIYA GRAMIN BANK Punjab National Bank Uttar Pradesh UTTAR PRADESH GRAMIN BANK Punjab National Bank Uttar Pradesh BARODA EASTERN UTTAR PRADESH GRAMIN BANK Bank of Baroda 4 BARODA UTTAR PRADESH GRAMIN BANK Bank of Baroda 31-Mar-08 Uttar Pradesh BARODA WESTERN UTTAR PRADESH GRAMIN BANK Bank of Baroda Maharashtra AURANGABAD-JALNA GRAMIN BANK Bank of Maharashtra 5 MAHARASHTRA GODAVARI GRAMIN BANK Bank of Maharashtra 25-Mar-08 Maharashtra THANE GRAMIN BANK Bank of Maharashtra Puduvai Bharathiar Grama Bank,sponsored by Indian Bank, was established on 26.3.08 in the Union Territory of Puducherry

Khasi Jaintia Rural Bank was renamed Meghalaya Rural Bank w.e.f 1 May 2007 after the RRB expanded its area of operation to Garo Hills region of the state. Amalgamations During FY 2008-09 Madhya Pradesh CHAMBAL-GWALIOR KSHETRIYA GRAMIN BANK Central Bank of India 1 Madhya Pradesh RATLAM-MANDSAUR KSHETRIYA GRAMIN BANK Central Bank of India SATPURA NARMADA KSHETRIYA GRAMIN BANK Central Bank of India 08-Apr-08 Madhya Pradesh SATPURA KSHETRIYA GRAMIN BANK Central Bank of India Appendix: Amalgamation of RRBs from FY 2005-06 (196 RRBs) to 43 RRBs (1 April 2020) Sponsor Bank of New S. No. State/UT Name of Regional Rural Bank Sponsor Bank Name of Amalgamated Entity Date RRB 1 2 3 4 5 6 7 Bihar KOSI KSHETRIYA GRAMIN BANK Central Bank of India 2 UTTAR BIHAR GRAMIN BANK Central Bank of India 01-May-08 Bihar UTTAR BIHAR KSHETRIYA GRAMIN BANK Central Bank of India Maharashtra RATNAGIRI-SINDHUDURG GRAMIN BANK Bank of India 3 Maharashtra SOLAPUR GRAMIN BANK Bank of India WAINGANGA KRISHNA GRAMIN BANK Bank of India 15-Dec-08 Maharashtra WAINGANGA KSHETRIYA GRAMIN BANK Bank of India FARIDKOT-BATHINDA KSHETRIYA GRAMIN BANK was renamed as SUTLEJ GRAMIN BANK on 22nd July 2008 State Bank of Saurashtra merged with State Bank of India in August 2008 Amalgamations During FY 2009-10 Jammu & Kashmir JAMMU RURAL BANK J&K Bank Ltd. 1 J & K GRAMEEN BANK J&K Bank Ltd. 30-Jun-09 Jammu & Kashmir KAMRAZ RURAL BANK J&K Bank Ltd. Maharashtra MAHARASHTRA GODAVARI GRAMIN BANK Bank of Maharashtra 2 MAHARASHTRA GRAMIN BANK Bank of Maharashtra 20-Jul-09 Maharashtra MARATHWADA GRAMIN BANK Bank of Maharashtra Uttar Pradesh BALLIA KSHETRIYA GRAMIN BANK Central Bank of India 3 BALLIA ETAWAH GRAMIN BANK Central Bank of India 01-Jan-10 Uttar Pradesh ETAWAH KSHETRIYA GRAMIN BANK Central Bank of India Uttar Pradesh LUCKNOW KSHETRIYA GRAMIN BANK Allahabad Bank 4 ALLAHABAD UP GRAMIN BANK Allahabad Bank 02-Mar-10 Uttar Pradesh TRIVENI KSHETRIYA GRAMIN BANK Allahabad Bank 1. merged with State Bank of India w.e.f 26 August 2010

1 2. merged with ICICI Bank Ltd. w.e.f 13 August 2010 17 3. Orissa renamed as Odisha in 2010-11 Amalgamations During FY 2013-14 Chhattisgarh CHHATTISGARH GRAMIN BANK State Bank of India 1 Chhattisgarh DURG-RAJNANDGAON GRAMIN BANK Dena Bank CHHATTISGARH RAJYA GRAMIN BANK State Bank of India 02-Sep-13 Chhattisgarh SURGUJA KSHETRIYA GRAMIN BANK Central Bank of India Haryana GURGAON GRAMIN BANK Syndicate Bank 2 SARVA HARYANA GRAMIN BANK Punjab National Bank 29-Nov-13 Haryana HARYANA GRAMIN BANK Punjab National Bank Karnataka KRISHNA GRAMEENA BANK State Bank of India 3 PRAGATHI KRISHNA GRAMIN BANK Canara Bank 23-Aug-13 Karnataka PRAGATHI GRAMIN BANK Canara Bank Kerala NORTH MALABAR GRAMIN BANK Syndicate Bank 4 KERALA GRAMIN BANK Canara Bank 08-Jul-13 Kerala SOUTH MALABAR GRAMIN BANK Canara Bank Uttar Pradesh PURVANCHAL GRAMIN BANK State Bank of India 5 PURVANCHAL BANK State Bank of India 01-Apr-13 Uttar Pradesh BALLIA ETAWAH GRAMIN BANK Central Bank of India Uttar Pradesh ARYAVART KSHETRIYA GRAMIN BANK Bank of India 6 GRAMIN BANK OF ARYAVART Bank of India 01-Apr-13 Uttar Pradesh SHREYAS GRAMIN BANK Canara Bank Amalgamations During FY 2014-15 Rajasthan MARUDHARA GRAMIN BANK State Bank of Bikaner & Jaipur State Bank of Bikaner & 1 RAJASTHAN MARUDHARA GRAMIN BANK 01-Apr-14 Rajasthan MEWAR AANCHALIK GRAMIN BANK ICICI Bank Ltd. Jaipur 1. Deccan Grameena Bank was renamed Telangana Grameena Bank w.e.f 20 October 2014 2. Telangana State was formed from 1 June 2014 after bifurcation of erstwhile unified Andhra Pradesh

State Bank of Bikaner and Jaipur (SBBJ), State Bank of Hyderabad (SBH), State Bank of Mysore (SBM), (SBP) and (SBT), besides (BMB), merged with SBI with effect from 1 April 2017 Appendix: Amalgamation of RRBs from FY 2005-06 (196 RRBs) to 43 RRBs (1 April 2020) Sponsor Bank of New S. No. State/UT Name of Regional Rural Bank Sponsor Bank Name of Amalgamated Entity Date RRB 1 2 3 4 5 6 7 Amalgamations During FY 2018-19 Bihar BIHAR GRAMIN BANK UCO Bank 1 DAKSHIN BIHAR GRAMIN BANK Punjab National Bank 01-Jan-19 Bihar MADHYA BIHAR GRAMIN BANK Punjab National Bank Punjab MALWA GRAMIN BANK State Bank of India 3 Punjab PUNJAB GRAMIN BANK Punjab National Bank PUNJAB GRAMIN BANK Punjab National Bank 01-Jan-19 Punjab SUTLEJ GRAMIN BANK Punjab & Sind Bank Amalgamations During FY 2019-20 Assam ASSAM GRAMIN VIKASH BANK United Bank of India 1 ASSAM GRAMIN VIKASH BANK United Bank of India 01-Apr-19 Assam LANGPI DEHANGI RURAL BANK State Bank of India Gujarat BARODA GUJARAT GRAMIN BANK Bank of Baroda 2 BARODA GUJARAT GRAMIN BANK Bank of Baroda 01-Apr-19 Gujarat DENA GUJARAT GRAMIN BANK Dena Bank Jharkhand JHARKHAND GRAMIN BANK Bank of India 3 JHARKHAND RAJYA GRAMIN BANK State Bank of India 01-Apr-19 Jharkhand VANANCHAL GRAMIN BANK State Bank of India

1 Karnataka KAVERI GRAMEENA BANK State Bank of India 18 4 KARNATAKA GRAMIN BANK Canara Bank 01-Apr-19 Karnataka PRAGATHI KRISHNA GRAMIN BANK Canara Bank Madhya Pradesh CENTRAL MADHYA PRADESH GRAMIN BANK Central Bank of India 5 MADHYA PRADESH GRAMIN BANK Bank of India 01-Apr-19 Madhya Pradesh NARMADA JHABUA GRAMIN BANK Bank of India Tamil Nadu PALLAVAN GRAMA BANK Indian Bank 6 TAMIL NADU GRAMA BANK Indian Bank 01-Apr-19 Tamil Nadu PANDYAN GRAMA BANK Indian Overseas Bank Uttar Pradesh ALLAHABAD UP GRAMIN BANK Allahabad Bank 7 ARYAVART BANK Bank of India 01-Apr-19 Uttar Pradesh GRAMIN BANK OF ARYAVART Bank of India Uttar Pradesh PRATHAMA BANK Syndicate Bank 8 PRATHAMA U.P GRAMIN BANK Punjab National Bank 01-Apr-19 Uttar Pradesh SARVA U.P. GRAMIN BANK Punjab National Bank Amalgamations During FY 2020-21 Uttar Pradesh BARODA UTTAR PRADESH GRAMIN BANK Bank of Baroda 1 Uttar Pradesh KASHI GOMTI SAMYUT GRAMIN BANK Union Bank of India Baroda U.P. Bank Bank of Baroda 01-Apr-20 Uttar Pradesh PURVANCHAL BANK State Bank of India

Amalgmations in Public Sector Banks w.e.f 1 April 2020 (a) Amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank (b) Amalgamation of Syndicate Bank into Canara Bank (c) Amalgamation of Andhra Bank and Corporation Bank into Union Bank of India (d) Amalgamation of Allahabad Bank into Indian Bank