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79,00,000.00

27,n,760.00

22,00,750.00

9493,000.00

1,00,00,000.00

9,56,700.00

92,72,000.00

48,80,000.00

45,85,000.00

49,66,000.00

49,82,000.00

99,50,000.00

s0,00,000.00

50,00,000.00

95,77,000.00

49,50,000.00

99,65,000.00

1,98,80,000.00

98,25,000.00

98,50,000.00

98,45,000.00

98,45,000.00

96,10,000.00

9,50,000.00

r,99,10,000.00

1,84,90,000.00

28,22,60,21O.00

20,425.39

6,73,239.60

499,583.00

26,n,994.84

47,170.80

1,69,36,970.75

44,625 5r

4,64,11,847.00

4,02,85,452.28

71.94

1,470.00

1,86,91,718.39

3,05,758.59

25,409.25

50,50,801.36

5,000.00

13,16,83,538,?o

96,00,000.00

79,00,000.00

n,n,760.00

22,00,150.00

2,40,78,000.00

9,s6,700.00

92,'12,000.00

48,80,000.00

1,49,16,000.00

99,82,000.00

2,95,72,000.00

s0,00,000.00

3,32,90,000.00

0

2,95,20,000.00

98,45,000.00

96,10,000.00

92,50,000.00

1,99,10,000.00

23,25,80,210.00

sLR so% dEoFd

8.i6% ddoFOJd oFoaaef 2015 5,00,00,000.00

7,50% droaoo$ odAoef 2019 1,00'00'000'00

7.83% erQ €ded o*GAoei 2019 1,00'00,000.00

8.25% duoroJd oFoaoef 2019 34,00,000'00

8.30% drdoad o-6&aef 2019 65'00,000'00€,

8.14% d)6aood aloAoef 2019 50'00,000.00I

8.13% d$:dood: oF6&aef 2019 99,60'000.00

8.48% d6ooo€ oFoAoef 2020 55'60,000.00

8.52% ddoFojd oEoADef 2020 50'00'000.00

8.39% uoQ{ded oF6Aoef 2020 50,00'000.00

8.38% d6ooo€ aFGAaef 2020 50'00'000.00

8.91% erQ {ded ox6aaef 2022 1'96,84,000.00

8.5% erQ{ded aes&oef 2023 2,00,00,000'00

8.62% d0odood: arc66oef 2023 1,00,00,000.00

9.65 dooroJd o#Aoef 2023 99'00'000'00

9.54% dooEtjd a-66oef 2023 1'00,00,000.00

9.50% dooetjd areeboet' 2023 99,80'000.00

8.38% i.aq aeGaoef 2026 3,00'00,000.00

e.6I3 22,49,84,000'00

drddj dedeCrldt

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5,200.00

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6,88,98,229.00

5,11,61,583.00

99,75,000.00

3,6r,3%.00

16,54,01,408.00

1,000.00

1,000.00

63,000.00

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1,00,00,000.00

1,00,00,000.00

34,00,000.00

65,00,000.00

50,00,000.00

99,60,000.00

55,60,000.00

s0,00,000.00

50,00,000.00

50,00,000.00

1,%,84,000.00

2,00,00,000.00

1,00,00,000.00

99,00,000.00

1,00,00,000.00

99,80,000.00

14,99,84,000.00

5,200.00

3,10,00,000.00

6,22,n328.00

2,00,00,000.00

99,75,000.00

3,61,3%.00

5,00,00,000.00

l'1,36,38,924.M

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1,000.00

63,000 00

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sllddooi sJDd d:ee9d e.:6G

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12,91,405.50 10,55,610.00

36,000.00 31,790.00

1,3&600.00 r,08,350.00

32"000.00 5,350.00

14,98,005.50 12,01,100.00

- (82,76450)

3,23,570.50 2,59,090.00

3,23;70.50 1,76325.50

- 56,150.00

26,330.00 49,475.00

66,345,00 3,28,229.00

92,675.00 4,33,854.00

1,00,68,258.00

12,00,68;258.q0

6s,31,50,642.00

51,70,360.00

28,19,873.00

1,23,24,800.00

5481,9('8.00

2,88,4t,328.00

2,50,272.00

13,28,66,836.23

11,00,000.00

5,38,066.00

64,94,17r.00

6,\3,229.00

13,27,42,718.00

1,32,57,X)8.OO

2,84,34,374.00

35,224.00

1,05,21,385.00

40,69,507.00

26,86,584.00

36,49,24600

2230,650.00

3,12,00,053.00

3,86,36,594.00

2,31,30,722.00

t14,08,46,5r0.23

52,98,384.00

1\t7,063.26

37,91,428.00

60,22,173,05

3,0u39,557.57

6,17,685.00

21,4\687,00

15,78,500.00

70,01,800.00

5;85,Q9.???.88

(r,9r,71,4p,6.44)

' .3,9337:87144

18,6,(}.00

7,70,393.00

79785.00

56,00,000.00

24222.00

13,n,514.N

r,02,n4.N

43,25,9N.M

: . .::a: rt:- --

43,27,58,050.00

14,85,207.00

26,42,2'16.00

r,74,57,912.00

t0'7,70,023.00

1,98,40,310.00

3,25,411.00

15,26,54,547.2\

29,01,401.00

5,7',1,773.00

s,s3,698.00

3,57,7\6.00

7,88,15,130.00

m,71,099.00

3,16,84,280.00

39,868.00

57,M,307.00

45,39,390.00

27,04,727.00

q,41,524.00

23,36,585.00

3,23,64,267.00

6,87,84,973.00

3,63,26,492.00

9tE7,76,966.21

5e9&384.00

1\r7,063.26

32,54,911,00

44,6t 653.05

1,9,19,496.57

2,79,185.00

11,86,362.00

15,78,500.00

70,01,800.00

4,39,97t354.88

(r,s1,29798.M)

2,8rs8,55644

l&640.00

5,3s,393.00

79,785.00

1&003.00

23,540.00

r7,89,649.00

39,9%.00

5,00,000.00

1,48,15,837.00

1,5460,515.00

1,42,129.00

1,50,000.00

5,51,083.00

38,594.00

I,10,587.04

2,20,868,00

65,755.00

4,42,74,E96.04

%,127.00

2s,003.00

1,09,432.00

3,7?,100.00

t484,744.00

14,27,83,645.37

54,261.00

36,315.00

52,07,9t1.00

47,807.00

3,2%.00

91,89400

!5,03,17,595.37

7639,n3,00

2,77,199.00

496,%6.00

1,00,171.00

85,14229.00

1,13,99,112.00

1,27,59,416.00

24,74,069.00

1,50,000.00

1,98,930.00

48,706.00

45,000.00

3,982,23

2"20,868.00

2,81,05,689.23

1,1',7,821.00

73,013.00

7&355.00

14,35,090.00

9,44,0t1.00

13,28,54,875.08

\%,22s.00

31,228.00

44,49,4r)5 00

33,502.00

10,337.00

1,31,139.00

1404,55,013.08

s2,42,44r.88

2,25,604.00

408,914.00

1,51,926.00

1,62,m3,00

61,91,?88.88

16. Sd)

e"efg lb'74'41).uu rJ'ou'6/ /'uu

17. edd d{ridr**${ arel l,%,244.00 1'40,0uu'w

+4eti'464,$ 5,60,0?6.00 &07,177.00

soa d?.fr* 1,23,252,ffi 2,03,63',1.O0

,mrir 3oao *g 3,85,772'00 4,29,325.00

*ira roer *6 - 2,03,182.N 1,47,483'N

tuedod€ dd 5L550.00 5l'000'00

0.4 oOdd eoesr l?,863.00 11,875'00

qdd erg$rrJ$ 5,77,745'00 l,&24.r'.00

Jo*4 *tg 1,25,205.00 84863'00

uod odoqGeqEJ dsi 5,11,671.00 3'7&91'00

€($o$"dr6 ,$q.aao. +87,075.00 470,577.00

d-edra8 d{ 38,317,00 47,735'00

1, 1,20,468.00

d 5, 2'13'800.00

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d dre)) 431,000.00 2,2&000'00

dH ' 44311'54 2,r4o5o'82

o.cl.odf' dlef 3'75'ooo'oo

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s*f *rl - l4o4,2lo.oo 1&20'99.00Sd)- dsi 1404'210.0u

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1202,515.00

1,18,46,575,00

26,87,352,00

59,75,nL002g2617r.N

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5,&5\479.0013,8U,00

97,83,405.00

5t6+276.00

12,525.00

3,29,630,N

10,56,/142'oo

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490,050.002669,205.00

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1,35,281,22

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1L35,267.00

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4250,00I,15'6,16.00

81,691,30

16,1?1.00

810,00

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16,16,965.00

3444608.001,54489,001,63,509.00

3,60,000,00

215,538.002,30,000.00

2,96,881.00

6,U5.009,616,00

28,13&00

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60,173.00

15,00,704,00

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35,63,386,00

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27,74083,00

4&67,307.00

15,5&322.002,19,47,942,00

7,35,86,434.00

33,924.00

68,61,009.00

5465,954.00

430,040.008,20,976.00

51,89,304.63

475,161,00

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1.2.

Capital to Risk Weight Asset Ratio.(CRAR) : lt.37Movement of CRAR i.e., CRAR as on Balance Sheet date for the current year vis -a vis previousyear

a. Book value and Face value of investments :

Book Value '. 84,77 ,79 ,876.00Face Value : 85,51,90,466.00

b. Market value of investments :86,81,55,098.00c. Details of Issuer composition of non- SLR investments and non performing non

SLR Investments.. Issuer ComDosition of Non SLR Investments

3.

4.

5.

6.

Advances against real estate, construction business, housing

Advances against shares & debentures

a. Fund-based

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

Cost of Deposits: Average cost of deposits

NPAs

a. Gross NPAs

b. Net NPAs

: Rs.3,74,85,746.00

: NIL

7.

8.

Advances to directors, their relatives, companies/firms in which they are interested :

: NIL

: NIL

:08.58

: Rs.4,16,84,623: Rs.1,58,43,795

9. Movement in NPAs i.e., Gross and net NPAs as on Balance Sheet date for the current year visa previous year.

Net NPAs should be arrived at after deducting provisions held, interest suspense account etc. (in Rs.)

No Issuer AmountExtent of'below

investment gradeSecrr rities'

Extent of'u n rated

Securities'

Extent of'unlisted

Sear rriiieq'(2) (3) (4) rs) (6)

1 PSUs NIL NIL NIL NFIs NIL NIL NIL N

5 Public Sector Banks NIL NIL NIL N4 Mutual Funds 12.OO.68.2s8 NIL NIL N5 Others 66.000 NIL NIL 66.0006 Provision Held towards

DepreciationNIL NIL NIL NIL

O Non-performing Non SLR Investment

Particulars Amount (Rs )Opening Balance 66.000Additions during the year since 1st ADril NILReduction durino the above oeriod NILClosinq Balance 66.OOOTotal Provisions held NIL

4,16,84,623 301,89.612

VV

V

504.08

4.33

1.09

L.24

0.76

9.58

13. Foreign currency assets & liabilities: (if applicable)

14. Payment of DICGC Insurance Premium

Insurance premium has been paid up to date to DICGC,no arrears.

15. Penalty imposed by RBI

16 Restructured Accounts

17. Fixed Assets- Valuation/ Revaluation

. The bank does not have a comprehensive policy for revaluation of fixed assets owned by them.

. No fixed assets are re-valued during this financial year.

. No fixed assets are appreciated.

. Depreciation charged according to income tax rates and rules.

Madhukar Hegde & co

Chaftered Accountants-FRN.007954S

For Vikas Souharda Co-operative Bank Ltd, HOSAPETE

1O. Profitability

Per employee business (in Lakhs)

Per employee profit (in Lakhs)

% Return on Assets

% of Operating Profit to Working Capital

% of Non interest income to Working Capital

% of interest income to Working Capital

11. Provisions made towards NPAs, depreciation in investments, Standard

a. NPAs :

b. Deoreciation in Investments :

c. Standard Assets :

12. Movement in provisions: [i.e., Provisions as on Balance Sheet date forMarch 31, 2016) vis-a-vis previous year e.g. March 31, 2015 (in Rs.)l

Assets

Rs.2,58,40,828Rs.5,855,226

Rs.5,029,000

'the current year (e.9.

:NIL

: Rs.16,16,965

:NIL

:NIL

Madhukar G HegdeProorietor-M .NO.206777Date:20.07.2016Place: Benqaluru

Chaya K, Divakar Ramesh PurohitDirector Director

Vishwanath C. HiremathPresident

Particulars 31,03,2016 31,03,2015 Movement

NPAs 2,s8,40,848 2,25,10,828 Increased bv 33,30,020

Depreciation in Investments 58,55,226 5,855,226 No Chanoe

Standard Assets s0,29,000 s,029,000 No Chanoe

Sl, No. lrregularities and Suggestions Gompliance

1,

It was observed that the associate members of the bank are more

than 1070 of the total members and hence Sec 22(b) of K S S Act,

1 997 is not comDlied with.It is advised to reduce the associate members to comply with the act

pr0vtst0ns

We will reduce the associate members to comply with the Act

0r0vtst0ns.

2.

It was observed that the bank has not issued identitv cards to

members as per the provisions of clause 25 of bye-laws of the bank

and there by violated the provisions of byeJaw. lt is advised to issue

identitv cards to members.

The process of issuing identity cards to the members is in progress

and it will be comoleted at an earliest.

3.0n our verification of share certificates, we have noticed that several

share certificates were pending to be issued lt is suggested to issue

share ceft ificates to all the members

Share certificates are ready for delivery and delivery process is in

pr0gress

4.

0neofthe reasonsforthe excess reserves isthatthis isthe only bank

in the area having extended working hours and also operating on the

basis of no holidays

It is suggested to invest surplus money in high yielding securities

within the RBI guidelines to maximise its profits.

We have noted your suggestion

5.

lnsurance cover: We have observed thatthe bank is invariablv canies

cash in excess of the retention limit during the year and hence the

insurance is not adequate. lt is suggested to increase the insurance

coverasthecash holding is more.

We will increase the insurance coverage

6.

Beconciliation of Cunent Account with HDFC Bank Ltd has been

prepared up to March 2016 However, we have noticed that fewpending entries to be passed in the statement. lt is advised to pass

the required adjustment entries atthe earliest

We will pass allthe pending entries at an earliest.

7.

The bankhas designated one ofthe employeesas concurrentauditor

We have observed that the coverage under concurrent audit was

adequate except for few areas like internal control, review of NPA

accounts, systems and procedures, income leakage etc where more

attention and coverage required. lt is advised to strengthen the

concurrent audit system for effective control ofthe bank

To strengthen the concurrent audit system we have already

appointed one senior advisor at Head office who will have

supervision over the concurrent auditor.

Thus we strengthen the concurrent audit system

8.The bank has framed service rules and also maintained service

records for employees. However, the same has not been updated

regularly. lt is suggested to update service register.

Noted for compliance

9.

Theunclaimeddividend ason31.03.2016wasRs. 53,32,195 75.The

said amount includes dividend outstandingformorethan 3 years. lt is

advisedto paythedividend atthe earliest. lt is suggestedto bifurcate

dividend payable beyond three years and transfer the same to

Reserve Fund.

We willfollow your suggestions

10,

The bank has six branches. The Head office situated at Hosapete

controls these branches. The Chief Executive officer visits the

branches and the inspection report is being submitted to the

management. lt is suggested to increase the frequency of branch

visits bv CE0 to have more c0ntrol overthe branches.

B0ard has instructed CE0 to have monthlv visits of all branches and

reportthe same to the management.

11.

We suggest that the large borrower accounts have to be regularly

monitored and surprise visits under taken to assess the repayment

capacity of the bonower. The management should review all loans

and advances of Rs 2 00 lakh and above regularly.

Full focus has been diverted towards this aspect and Loans and

advances of Five lakhs and above is being reviewed in quarterly

board meeting.

However your suggestion is noted.

12.It is suggested to meet KY C norms as perthe guidelines ofthe R B I

for the existing old accounts atthe earliest

Regular follow up is in progress. Further we have already issued

notices to the non-complied KYC old customer and we have freeze

their accounts from transactions.

13.Loans and Advances: it is observed that some ofthe files are pending

{or updation like EC, latesttax paid, DTD etc. asked to comply.

We will make regular follow up for updating the EC, latest tax paid

receipt, Financial statements, lT returns etc. In this regard we have

issued instructions to the branches.

COMPLIANCE TO AUDff REPORT FOR 2015.16

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Head fffice; Station Road, Hosapete-583 201.

Ph : 0839-nUL1r 22gnL, Fax : 229989

E-mail : v&tro@vi kasbankcom

uoajrldr :

drodde&.j : $edoc d$

d.,oeoe : 08394-226411, 229771

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f,.roed : 08535-220609/10

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dned :0836-2265670175

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dneoe : 08533-234206107

alvB6 : aoaJr8 drld, sodrod: dd.

d-oeos : 08392-26688112

d-q}€do : a.&.ao.r$. olncssE

dr.oeos : 08391-226666 17

I orood nrints # 99721 ezess I