¸ÁÜ¥À£É : 1954 ¢ cpËamÉamï d£ÀgÀ¯ïì d¦üÃ¸ï ja¥Áè¬ÄÃ¸ï...

¸ÁÜ¥À£É : 1954

¢ CPËAmÉAmï d£ÀgÀ¯ïì D¦üÃ¸ï JA¥Áè¬ÄÃ¸ï PÉÆÃ-D¥ÀgÉÃnªï ¨ÁåAPï °«ÄmÉqï¥ÁPïðºË¸ï gÀ¸ÉÀÛ, ¨ÉAUÀ¼ÀÆgÀÄ - 560 001.

(zÁRˉÁw ¸ÀASÉå r.Dgï.209 ¢£ÁAPÀ 23/01/1954)(Dgï.©.L. ¥ÀgÀªÁ£ÀV ¸ÀASÉå AiÀÄÄ.©.PÉJ£ï/1264/¦ ¢£ÁAPÀ 30/07/1996)

1. ²æÃ G¤ßÃPÀÈµÀÚ£ï. J CzsÀåPÀëgÀÄ

2. ²æÃ ²æÃ¤ªÁ¸À£ï. © G¥ÁzsÀåPÀëgÀÄ

3. ²æÃªÀÄw ¸ÀÄªÀÄ ©.J¸ï. DAvÀjPÀ ˉÉPÀÌ ¥Àj±ÉÆÃzsÀPÀgÀÄ

4. ²æÃ gÁWÀªÉÃAzÀæ. J¸ï DAvÀjPÀ ˉÉPÀÌ ¥Àj±ÉÆÃzsÀPÀgÀÄ

5. ²æÃ ¸ÀÄ¤ˉï ¨Á½UÀ. © ¤zÉÃð±ÀPÀgÀÄ

6. ²æÃ gÁªÀÄÆwð. JªÀiï ¤zÉÃð±ÀPÀgÀÄ

7. ²æÃ qÁ£ï¨Á¸ÉÆÌ. ¦.©. ¤zÉÃð±ÀPÀgÀÄ

8. ²æÃ gÀWÀÄPÀÄªÀiÁgï. JA ¤zÉÃð±ÀPÀgÀÄ

9. ²æÃ ²ªÀgÁdÄ. © ¤zÉÃð±ÀPÀgÀÄ

10. ²æÃ gÀªÉÄÃ±ï ¤zÉÃð±ÀPÀgÀÄ

11. ²æÃªÀÄw £ÁUÀeÉÆåÃw. JA. ¤zÉÃð±ÀPÀgÀÄ

12. ²æÃªÀÄw ªÀiÁ®w n.Dgï. ¤zÉÃð±ÀPÀgÀÄ

1

2017-2018£ÉÃ ¸Á°£À DqÀ½vÀ ªÀÄAqÀ½AiÀÄ ¸ÀzÀ¸ÀågÀÄ


¢ CPËAmÉAmï d£ÀgÀˉïì D¦üÃ¸ï JA¥Áè¬ÄÃ¸ï PÉÆÃ-D¥ÀgÉÃnªï ¨ÁåAPï °«ÄmÉqï, ¨ÉAUÀ¼ÀÆgÀÄ - 560 001. EzÀgÀ 64£ÉÃ ¸ÀªÀð ¸ÀzÀ¸ÀågÀ ¸À¨sÉAiÀÄ£ÀÄß ±À¤ªÁgÀ ¢£ÁAPÀ 15£ÉÃ ¸É¥ÉÖA§gï 2018 gÀAzÀÄ É½UÉÎ 11-00 WÀAmÉUÉ PÉ¼ÀPÀAqÀ «µÀAiÀÄUÀ¼À£ÀÄß ZÀað¹ ¥ÀjUÀtÂ¸À®Ä PÀgÉAiÀÄˉÁVzÉ. ÁåAQ£À J®è ¸ÀzÀ¸ÀågÀÆ F ¸À¨sÉAiÀÄ°è vÀ¥ÀàzÉÃ ¨sÁUÀªÀ»¸À¨ÉÃPÁV ¥ÁæxÀð£É. ¸À¨sÉAiÀÄ ¸ÀÜ¼À: J.f.N.Dgï.¹ PÀè¨ï ºÁˉï, ªÀÄÄRå PÀlÖqÀ, ¢ CPËAmÉAmï d£ÀgÀˉïì (J CAqï E) CªÀgÀ PÀbÉÃj, ÉAUÀ¼ÀÆgÀÄ.

1. ¥ÁæxÀð£É.2. ¸ÁéUÀvÀ sÁµÀt.3. 2017-2018£ÉÃ Á°£À ªÁ¶ðPÀ À¨sÉAiÀÄ ÀÆZÀ£Á ¥ÀvÀæªÀ£ÀÄß N¢ zÁR®Ä ªÀiÁqÀÄªÀÅzÀÄ.4. ¢£ÁAPÀ 09-09-2017 gÀAzÀÄ £ÀqÉzÀ, PÀ¼ÉzÀ Á°£À ÀªÀð ÀzÀ¸ÀågÀ À¨sÉAiÀÄ £ÀqÉªÀ½UÀ¼À£ÀÄß CAVÃPÀj¸ÀÄªÀÅzÀÄ.5. 2017-18 £ÉÃ Á°£À DqÀ½vÀ ªÀgÀ¢AiÀÄ£ÀÄß CAVÃPÀj¸ÀÄªÀÅzÀÄ.6. 2017-18 £ÉÃ Á°£À ¥Àj±ÉÆÃ¢üvÀ ÉPÀÌ ¥ÀvÀæUÀ¼À£ÀÄß CAVÃPÀj¸ÀÄªÀÅzÀÄ.7. 2017-18 £ÉÃ Á°£À ¤ªÀé¼À Á¨sÀzÀ ºÀAaPÉ.8. 2018-19£ÉÃ ¸Á°£À DAiÀÄ-ªÀåAiÀÄ C£ÀÄªÉÆzÀ£É ºÁUÀÆ 2017-18£ÉÃ ¸Á°£À ºÉZÀÄÑªÀj ªÉZÀÑªÀ£ÀÄß CAVÃPÀj¸ÀÄªÀÅzÀÄ.9. 2018-19 £ÉÃ Á°UÉ ÉPÀÌ ¥Àj±ÉÆÃzsÀPÀgÀ £ÉÃªÀÄPÁw.10. CzsÀåPÀëgÀ C£ÀÄªÀÄwAiÉÆqÀ£É ZÀað¸À§ºÀÄzÁzÀ EvÀgÉ «µÀAiÀÄUÀ¼ÀÄ.

DqÀ½vÀ ªÀÄAqÀ½AiÀÄ C¥ÀàuÉ ªÉÄÃgÉUÉ

¨ÉAUÀ¼ÀÆgÀÄ ¸ÀÄªÀÄ .JA G¤ßPÀÈµÀÚ£ï.J¢£ÁAPÀ : 30-08-2018 PÁAiÀÄðzÀ²ð CzsÀåPÀëgÀÄ

«±ÉÃµÀ ÀÆZÀ£É :1. zÀAiÀiÁ«lÄÖ ¤ªÀÄä UÀÄgÀÄw£À aÃnAiÀÄ£ÀÄß vÀgÀ¨ÉÃPÁV ¥ÁæxÀð£É.2. «¼Á¸À §zÀˉÁªÀuÉ DVzÀÝ°è ÁåAPï PÀbÉÃjUÉ w½¸ÀvÀPÀÌzÀÄÝ3. EvÀgÉ «µÀAiÀÄUÀ¼À §UÉÎ ªÁ¶ðPÀ ÀªÀð ÀzÀ¸ÀågÀ À¨sÉAiÀÄ°è ZÀað¸À®Ä EaÑ¹zÀ°è ÁåAQ£À CzsÀåPÀëgÀÄ / PÁAiÀÄðzÀ²ðAiÀÄªÀjUÉ ¢£ÁAPÀ 07/09/2018 gÀAzÀÄ CxÀªÁ ªÀÄÄAavÀªÁV w½¸ÀvÀPÀÌzÀÄÝ.

2

¸À¨sÉ ÀÆZÀ£Á¥ÀvÀæ

«µÀAiÀÄ ÀÆa

The Accountant General’s Office Employees’ Co-Operative Bank Limited

Park House Road, Bangalore - 560 001.

The 64th Annual General Body Meeting of the Members of the Accountant

Generals' Office Employees' Co-operative Bank Limited, Bangalore, will be held th

on Saturday the 15 September, 2018 at 11.00 a.m. at AGORC Hall of the Main

Building of The Accountant General (A&E) office, Bangalore to consider the

following business.

BangaloreDate : 30-08-2018

SUMA .MSecretary

Note: 1. Please bring your Identity Cards.

2. Please intimate the change of address, if any.

3. Any member, who wants to discuss any subject under item 10 of the

agenda may please intimate in writing on or before 07/09/2018 to

President / Secretary.

UNNIKRISHNAN .APresident

By order of the Board

3

MEETING NOTICE

AGENDA

1. Invocation.

2. Welcome Speech.

3. Reading and Recording of Meeting Notice for 2017-18.

4. Adoption of Minutes of the Previous General Body Meeting held on

09-09-2017.

5. Adoption of Directors Report for the year 2017-18.

6. Adoption of Audited Statement of Accounts for the year 2017-18.

7. Appropriation of Net Profit for the year 2017-18.

8. Approval of Budget for the year 2018-19 and excess of expenditure over

the budget grant for the year 2017-18

9. To Consider appointment of auditors for the year 2018-19.

10. Other Subjects if any with the permission of the Chair.


DwäÃAiÀÄ / £ÉaÑ£À ÀzÀ¸ÀågÉÃ, ¨ÁåAQ£À DqÀ½vÀ ªÀÄAqÀ½AiÀÄ ¥ÀgÀªÁV ªÀiÁZïð 31, 2018£ÉÃ ºÀtPÁ¹£À ¸Á°£À CAvÀåzÀ ¨ÁåAQ£À (C.d.D.J.PÉÆÃ.¨Áå.°.£À) PÁAiÀiÁðZÀgÀuÉAiÀÄ 64£ÉÃ ªÁ¶ðPÀ ªÀgÀ¢AiÀÄ£ÀÄß ªÀÄvÀÄÛ 2017-18£ÉÃ Á°£À ¥Àj±ÉÆÃ¢üvÀ ˉÉPÀÌ¥ÀvÀæUÀ¼ÀÄ ªÀÄvÀÄÛ ÉPÀÌ ¥Àj±ÉÆÃzsÀ£Á ªÀgÀ¢AiÀÄ£ÀÄß vÀªÀÄä ªÀÄÄAzÉ ¥Àæ¸ÀÄÛvÀ ¥Àr¸À®Ä CwÃªÀ ÀAvÉÆÃµÀªÁUÀÄwÛzÉ.

¸À£ï 1954£ÉÃ E¸À«AiÀÄ°è ` 5000 oÉÃªÀtÂAiÉÆA¢UÉ ¥ÁægÀA¨sÀªÁzÀ £ÀªÀÄä ¨ÁåAPï ¸É¥ÉÖA§gï 2018gÀ°è ` 153 PÉÆÃn gÀÆ¥Á¬Ä oÉÃªÀtÂ ÀAUÀæ»¹zÉ JAzÀÄ w½¸À®Ä ºÀ¶ð¸ÀÄvÉÛÃ£É. 'gÁdåzÀ CvÀÄåvÀÛªÀÄ PÉÆÃ. D¥ÀgÉÃnªï ¨ÁåAPïUÀ¼À°è MAzÁUÀÀ®Ä' ±Àæ«Ä¹gÀÄªÀ ºÀ¼ÉAiÀÄ ªÀÄvÀÄÛ ºÉÆ¸À ¸ÀzÀ¸ÀågÉ®èjUÀÆ ¨ÁåAQ£À DqÀ½vÀ ªÀÄAqÀ½AiÀÄ ¥ÀgÀªÁV ºÀÈvÀÆàªÀðPÀªÁzÀ ªÀAzÀ£ÉUÀ¼ÀÄ. F »A¢£À ªÀµÀðUÀ¼À PÁAiÀiÁðZÀgÀuÉAiÀÄ°è ÁåAPï JˉÁè PÉëÃvÀæUÀ¼À°èAiÀÄÆ vÀ£Àß zÀPÀëvÉAiÀÄ£ÀÄß vÉÆÃjzÉ. EzÀgÀ ¥ÀjuÁªÀÄªÁV ¨ÁåAQ£À oÉÃªÀtÂUÀ¼À ªÀÄvÀÄÛ ¸Á®zÀ «¨sÁUÀUÀ¼À°è ¸ÀªÀÄUÀæªÁzÀ ªÀÄvÀÄÛ ಪ�¥ÀÆtðªÁzÀ C©üªÀÈ¢ÞAiÀÄ£ÀÄß ªÀÄÄAzÀÄªÀgÉ¹zÉ. ¨ÁåAQ£À ¸ÀzÀå¸ÀgÀÄ ºÁUÀÆ ¹§âA¢ ªÀUÀðzÀ ¸ÀºÁAiÀÄ ªÀÄvÀÄÛ ÉA§®«®èzÉ EzÀ£ÀÄß Á¢ü¸ÀˉÁUÀÄwÛgÀ°®è JAzÀÄ ºÉÃ¼À®Ä §AiÀÄ¸ÀÄvÉÛÃ£É.

¸ÀzÀ¸ÀåjUÉ ««zsÀ jÃwAiÀÄ Á®UÀ¼À£ÀÄß PÀ°à¸ÀÄªÀ ªÀÄÆ®PÀ ÁåAPï ÀévÀÛ£ÀÄß ÀÈf¸ÀÄªÀ eÉÆvÉUÉ oÉÃªÀtÂAiÀÄ£ÀÄß ªÀÈ¢Þ¸ÀÄªÀ ÀéwÛ£À ªÀÈ¢Þ ºÁUÀÆ ÁåAQ£À ¤gÀAvÀgÀ É¼ÀªÀtÂUÉ ªÀÄvÀÄÛ PÁAiÀiÁðZÀgÀuÉAiÀÄ »jªÉÄAiÀÄ£ÀÄß vÉÆÃgÀÄvÀÛzÉ.

¤ªÀðºÀuÁ ªÀÄÄSÁåA±ÀUÀ¼ÀÄ - ºÀtPÁ¹£À ¥Àj«ÄvÀ / ªÀiÁ£ÀzÀAqÀºÀtPÁ¹£À ªÀµÀð 2017-18gÀ ¤ªÀðºÀuÉAiÀÄ MAzÀÄ ¥ÀQë£ÉÆÃl.

»A¢£À ªÀµÀðPÉÌ ºÉÆÃ°¹zÀgÉ ¤ªÀé¼À Á¨sÀzÀKjPÉ 126®PÀë gÀÆ.UÀ½AzÀ 183®PÀë gÀÆ¥Á¬ÄUÀ¼ÁVzÉ – 45.23 ¥Àæw±ÀvÀKjPÉ.

oÉÃªÀtÂAiÀÄ É¼ÀªÀtÂUÉ 149.13 PÉÆÃn gÀÆ¥Á¬ÄUÀ½AzÀ 153.69 PÉÆÃn gÀÆ¥Á¬ÄUÀ½UÉ vÀ®Ä¦zÉ. EzÀÄ ¨ÁåAQ£À ªÉÄÃˉÉ ÀzÀ¸ÀågÀ ªÀÄvÀÄÛ ºÀÆrPÉzÁgÀgÀ £ÀA©PÉ ªÀÄvÀÄÛ ¥ÉÆÃµÀuÉAiÀÄ£ÀÄß vÉÆÃgÀÄvÀÛzÉ.

¸Á® ªÀÄvÀÄÛ ªÀÄÄAUÀqÀ 105.53 PÉÆÃn gÀÆ¥Á¬ÄUÀ½AzÀ 112.52 PÉÆÃn gÀÆ¥Á¬ÄUÀ½UÉ ªÀÈ¢Þ. ¨ÁåAQ£À µÉÃgÀÄ §AqÀªÁ¼ÀªÀÅ ` 6.96 PÉÆÃn gÀÆ¥Á¬ÄUÀ½AzÀ ` 7.57 PÉÆÃn gÀÆ¥Á¬ÄUÀ½UÉ KjPÉ

¤ªÀé¼À 8.76 ¥Àæw±ÀvÀKjPÉ. F Á°£À°è 41 ÀzÀ¸ÀågÀÄUÀ¼ÀÄ, 6 ÀºÀ¸ÀzÀ¸ÀågÀÄ ªÀÄvÀÄÛ 85 £ÁªÀÄ ¤zÉðÃ²vÀ ªÀiÁvÀæ ¸ÀzÀ¸ÀågÀÄ ÉÃ¥ÀðqÉAiÀiÁVzÁÝgÉ.

ºÀÆrPÉUÀ¼ÀÄ 51.86 PÉÆÃnUÀ¼ÀµÁÖVzÉ. ¸Á® ªÀÄvÀÄÛ ºÀÆrPÉAiÀÄ C£ÀÄ¥ÁvÀ 73.21 ¥Àæw±ÀvÀªÁVgÀÄvÀÛzÉ. (PÉærmï qÉ¥Á¹mï gÉÃ¶AiÉÆÃ) ¤ªÀé¼À ¤¶ÌçAiÀÄ ÀévÀÄÛ ±ÀÆ£ÀåªÁVgÀÄvÀÛzÉ. GvÀÛªÀÄ ºÀÆrPÉUÀ¼ÀÄ ªÀÄvÀÄÛ EvÀgÉ ¤¢üUÀ¼À ÀÈ¶ÖAiÀiÁzÀÝjAzÀ CRAR 10.30 jAzÀ 11.30PÉÌ 1% ºÉZÁÑVzÉ.

4

PÉëÃªÀiÁ©üªÀÈ¢ÞAiÀÄ PÁAiÀÄðvÀvÀàgÀvÉ

¨ÁåAPï vÀ£Àß ¸ÀzÀ¸ÀågÀ M¼ÀwUÁV / »vÀPÁÌV ºÀ®ªÁgÀÄ PÉëÃªÀiÁ©üªÀÈ¢Þ ¥ÀjªÀiÁtUÀ¼À£ÀÄß PÉÊUÉÆArzÉ.

EwÛÃa£À ¢£ÀUÀ¼À°è ÀzÀ¸ÀåjUÉ «¸ÀÛj¹zÀ PÉ®ªÀÅ ËPÀAiÀÄðUÀ¼ÀÄ PÉ¼ÀV£ÀAwzÉ.

¨sÁgÀvÀzÀ UËgÀªÁ¤évÀ ¥ÀæzsÁ£À ªÀÄAwæUÀ¼ÀÄ ¥ÁægÀA©ü¹zÀ JgÀqÀÄ fÃªÀ «ªÀiÁ AiÉÆÃd£ÉUÀ¼À£ÀÄß

¨ÁåAQ£À°èAiÀÄÆ ¸ÀºÀ ¥ÁægÀA©ü¸ÀˉÁ¬ÄvÀÄ. ¥ÀæzsÁ£ÀªÀÄAwæ ¸ÀÄgÀPÁë ©üÃªÀiÁ «ªÀiÁAiÉÆÃd£É JA§ ` 2

®PÀëUÀ½gÀÄªÀ C¥ÀWÁvÀfÃªÀ «ªÉÄAiÀÄÄ CvÀå®à ªÁ¶ðPÀ 12 ¦æÃ«ÄAiÀÄªÀiï£ÀÄß / «ªÉÄAiÀÄPÀAvÀ£ÀÄß

M¼ÀUÉÆArzÉ (EzÀgÀ ¥ÀæAiÉÆÃd£ÀªÀ£ÀÄß 496 ¸ÀzÀ¸ÀågÀÄ ¥ÀqÉAiÀÄÄwÛzÁÝgÉ). EzÀgÀ°è 496 ¸ÀzÀ¸ÀågÀÄ

¥Á°¹zÁgÀgÁVzÁÝgÉ. ºÁUÉAiÉÄÃ ¥ÀæzsÁ£ÀªÀÄAwæ fÃªÀ£ÀeÉÆåÃw ©üÃªÀiÁ «ªÀiÁAiÉÆÃd£ÉAiÀÄrAiÀÄ°è 248

¸ÀzÀ¸ÀågÀÄUÀ¼ÀÄ AiÉÆÃUÀåvÁ ªÀiÁ£ÀzÀAqÁ£ÀÄ¸ÁgÀªÁV zÁRˉÁw ºÉÆA¢zÁÝgÉ. F AiÉÆÃd£ÉAiÀÄrAiÀÄ°è /

AiÉÆÃd£ÉAiÀÄ ªÁ¶ðPÀ «ªÉÄAiÀÄPÀAvÀÄ ` 330 §ºÀ¼À CvÀå®àzÁVzÉ ºÁUÀÆ F «ªÉÄAiÀÄ ªÁå¦Û ` 2

®PÀëzÁVzÉ.

15 ÀzÀ¸ÀåjUÉ MlÄÖ 4,25,645 ®PÀë ªÉÊzÀåQÃAiÀÄ ªÉZÀÑªÀ£ÀÄß ¥ÁªÀw ªÀiÁqÀˉÁVzÉ.

¸ÀzÀ¸ÀågÀ ªÀÄgÀt¢AzÀ £ÉÆAzÀ 7 PÀÄlÄA§UÀ½UÉ MlÄÖ 12,50,000 ®PÀëUÀ¼À£ÀÄß ªÀÄgÀt ¥ÀjºÁgÀ ¤¢ü¬ÄAzÀ

PÉÆqÀˉÁVzÉ.

£ÀªÀÄä ¸ÀzÀ¸ÀågÀ ªÀÄPÀÌ¼À ¸ÁzsÀ£ÉUÀ¼À£ÀÄß UÀÄgÀÄw¹, ¥ÉÆæÃvÁì»¸À®Ä ¥Àæ¸ÀPÀÛ ¸Á°£À°è 38 «zÁåyðUÀ½UÉ CªÀgÀ

¸ÁzÀ£ÉUÀ¼À£ÀÄß ªÉÄaÑ '¥Àæw¨sÁ¥ÀÄgÀ¸ÁÌgÀ' zÀ CrAiÀÄ°è C®APÁgÀ¥sÀ®PÀ / £É£À¦£À ¥sÀ®PÀ ªÀÄvÀÄÛ £ÀUÀzÀÄ

§ºÀÄªÀiÁ£ÀªÀ£ÀÄß ¤Ãr À£Áä¤¸ÀˉÁVzÉ.

2017-18£ÉÃ Á°£À°è ¤ªÀÈwÛ ºÉÆA¢zÀ 95 ÀzÀ¸ÀågÀ£ÀÄß À£Áä¤¸ÀˉÁVzÉ.

¤ªÀÈvÀÛ ÀzÀ¸ÀåjUÉ GavÀ DgÉÆÃUÀå vÀ¥Á¸ÀuÉAiÀÄ£ÀÄß ªÀÄÄAzÀÄªÀgÉ¸ÀˉÁVzÉ.

ªÁ¶ðPÀ ªÀÄºÁ¸À¨sÉAiÀÄ C£ÀÄªÉÆÃzÀ£ÉAiÀÄ ªÉÄÃgÉUÉ, ¥ÀÄl 49 gÀ°è ¸ÀÆa¹gÀÄªÀAvÉ «vÀgÀuÉUÉ ®¨sÀå«gÀÄªÀ

ˉÁ¨sÀ¢AzÀ ¹§âA¢ ¤ªÀÈwÛ ¥ÀjºÁgÀ ¤¢ü ÁÜ¦¸À®Ä ¥Àæ¸ÁÛ¦¸ÀˉÁVzÉ.

±Á¸À£À§zÀÞ ªÀÄvÀÄÛ DAvÀjPÀ ÉPÀÌ¥Àj±ÉÆÃzsÀ£É ªÀåªÀ¸ÉÜ ¨ÁåAQ£À ˉÉPÀÌ¥ÀvÀæUÀ¼ÀÄ ªÁ¶ðPÀªÁV ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPï, jf¸ÁÖçgï D¥sïó PÉÆÃ.D¥ÀgÉÃnªï ¸ÉÆ¸ÉÊnUÀ¼ÀÄ ªÀÄvÀÄÛ ±Á¸À£À§zÀÞ ÉPÀÌ¥Àj±ÉÆÃzsÀPÀjAzÀ ÉPÀÌ¥Àj±ÉÆÃzsÀ£ÉUÉÆ¼À¥ÀnÖzÉ. ¥Àæ¸ÀPÀÛ Á°£À ±Á¸À£À§zÀÞ ºÁUÀÆ ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQ£À ªÁ¶ðPÀ ˉÉPÀÌ¥Àj±ÉÆÃzsÀ£ÉAiÀÄÄ ªÀÄÄPÁÛAiÀÄUÉÆArgÀÄvÀÛzÉ. eÉÆvÉAiÀiÁV ¨ÁåAQ£À ˉÉPÀÌ¥ÀvÀæUÀ¼À£ÀÄß ¨ÁåAQ£À ¸À£ÀßzÀÄ ˉÉPÀÌ¥Àj±ÉÆÃzsÀPÀgÀÄ ¥Àj±ÉÆÃ¢ü¹zÁÝgÉ. £Á®ÄÌ ¤zÉÃð±ÀPÀgÀ£ÉÆß¼À UÉÆAqÀ ˉÉPÀÌ ¥Àj±ÉÆÃzsÀ£Á ¸À«ÄwAiÀÄÄ ¨ÁåAQ£À DAvÀjPÀ ˉÉPÀÌ¥Àj±ÉÆÃzsÀ£ÉAiÀÄ G¸ÀÄÛªÁjAiÀÄ£ÀÄß UÀªÀÄ¤¸ÀÄvÀÛzÉ. ¨ÁåAQ£À ªÀ»ªÁn£À PÀæªÀÄzÀ PÀlÄÖ¥ÁqÀÄUÀ¼À, ¤Ãw ¤AiÀÄªÀÄUÀ¼À ªÀÄvÀÄÛ ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAPï£À ªÀiÁUÀðzÀ±Àð£ÀUÀ¼À/ ¸À®ºÁ ¸ÀÆvÀæUÀ¼À C£ÀÄ¸ÀgÀuÁ ªÀgÀ¢AiÀÄ£ÀÄß ¥ÀjÃQë¹ / RavÀ ¥Àr¹PÉÆAqÀÄ £ÀÆå£ÀvÉUÀ¼À ªÀgÀ¢AiÀÄ£ÀÄß DqÀ½vÀ ªÀÄAqÀ½UÉ M¦à¸ÀÄªÀ dªÁ¨ÁÝjAiÀÄ£ÀÄß ÉPÀÌ¥Àj±ÉÆÃzsÀ£Á À«ÄwUÉ ªÀ»¸ÀˉÁVzÉ.

5

¸ÉÃªÉUÀ¼À G£ÀßwÃPÀgÀt J¸ï.JªÀiï.J¸ï. eÁUÀÈw / JZÀÑjPÉ, ¸ÉÃªÉAiÀÄ°ègÀÄªÀ ¸ÀzÀ¸ÀågÀÄUÀ¼À DzÁAiÀÄ vÉjUÉAiÀÄ jlð£ïUÀ¼À£ÀÄß ¸À°è¸ÀÄªÀÅzÀÄ, E¹J¸ï ¸Ë®¨sÀå ªÀÄvÀÄÛ PÉÆÃgï ¨ÁåAQAUï ¸Ë®¨sÀåUÀ¼À£ÀÄß MzÀV¸ÀˉÁVzÉ. DgïnfJ¸ï ªÀÄvÀÄÛ J£ïEJ¥sïón ¸Ë®¨sÀåUÀ½AzÀ ¸ÀzÀ¸ÀågÀÄ vÀªÀÄä ºÀtªÀ£ÀÄß vÀªÀÄä ¨ÁåAPï SÁvÉ¬ÄAzÀ E£ÉÆßAzÀÄ ¨ÁåAPï SÁvÉUÉ ªÀUÁð¬Ä¸ÀÄªÀ Ë®¨sÀå ÀºÀ MzÀV¹PÉÆqÀˉÁVzÉ. ªÉÆ¨ÉÊˉï ¨ÁåAQUÉ C£ÀÄªÀÄw zÉÆgÉvÀ £ÀAvÀgÀ £ÁªÀÅ ¸Á¥sïÖ ªÉÃgï£ÀÄß C©üªÀÈ¢Þ¥Àr¹zÀÄÝ ¸ÀzÀ¸ÀåjUÉ MzÀV¹zÉÝÃªÉ. UÁæºÀPÀjUÉ ªÀÄvÀÛµÀÄÖ GvÀÛªÀÄ ÉÃªÉUÀ¼À£ÀÄß MzÀV¸ÀÄªÀ À®ÄªÁV D¥ï £ÀÄß ªÀÄvÀÛµÀÄÖ ªÉÄÃ®ÝeÉðUÉ Kj¹ C©üªÀÈ¢Þ¥Àr¸ÀÄwÛzÉÝÃªÉ. £ÀªÀÄä ¨ÁåAPï D¥ï ªÀÄÆ®PÀ NEFT/RTGS ªÀiÁqÀÄªÀ ¸Ë®¨sÀåªÀÅ ¸ÉÃªÁ ±ÀÄ®Ì GavÀªÁVgÀÄvÀÛzÉ.

PÀÈvÀdÕvÉUÀ¼ÀÄ CzsÀåPÀëgÀÄ, ¤zÉÃð±ÀPÀgÀ ªÀÄAqÀ½AiÀÄ ¥ÀgÀªÁV JˉÁè ¸ÀzÀ¸ÀågÀÄUÀ½UÉ CªÀgÀ ¤gÀAvÀgÀ ªÀiÁUÀzÀ±Àð£À ªÀÄvÀÄÛ ¸ÀºÀPÁgÀPÁÌV ºÀÈvÀÆàªÀðPÀ ªÀAzÀ£ÉUÀ¼À£ÀÄß C¦ð¸ÀÄvÉÛÃ£É. ¤zÉÃð±ÀPÀ ªÀÄAqÀ½AiÀÄªÀgÀÄ F PÉ¼ÀPÀAqÀ ÀªÀðjUÀÆ CªÀgÀ ¸ÀºÀPÁgÀ ªÀÄvÀÄÛ ÉA§®PÁÌV ºÀÈvÀÆàªÀðPÀ ªÀAzÀ£ÉUÀ¼À£ÀÄß C¦ð¸ÀÄvÁÛgÉ.

PÀ£ÁðlPÀ gÁdåzÀ ªÁå¦ÛAiÉÆ¼ÀUÉ §gÀÄªÀ sÁgÀvÀzÀ ÉPÀÌ¥Àj±ÉÆÃzsÀ£É ªÀÄvÀÄÛ ÉPÀÌ ¤AiÀÄAvÀæt EˉÁSÉAiÀÄ JˉÁè ªÀÄÄRå¸ÀÜjUÀÆ,

¨sÁgÀwÃAiÀÄj¸Àªïð ¨ÁåAPï, eÁ¬ÄAmï jf¸ÁÖçgï D¥sï óPÉÆÃ. D¥ÀgÉÃnªï ¸ÉÆ¸ÉÊn¸ï, JZïrJ¥sïó¹ ¨ÁåAPï, PÉÆlPï ªÀÄºÉÃAzÀæ ÁåAPï, PÀ£ÁðlPÀ ÉÖÃmï PÉÆÃ. C¥ÉPïì ÁåAPï °«ÄmÉqï, ÉPÀÌ¥Àj±ÉÆÃzsÀPÀgÀÄ, ¥ÉÆæÃ¸À¸ïªÉÃgï ¹¸ÀÖªÀiï °«ÄmÉqï, ¸ÀªÀðvÀæ mÉPÁßˉÁfÃ¸ï, PÁjé ¸ÁÖPï ¨ÉÆæÃQAUï °«ÄmÉqï, JˉÁè ºÀÆrPÉzÁgÀgÀÄ ªÀÄvÀÄÛ CPËAmÉAmï d£ÀgÀˉï PÀbÉÃjAiÀÄ JˉÁè ¸ÀAWÀ ¸ÀA¸ÉÜUÀ½UÀÆ, ¤zÉÃð±ÀPÀ ªÀÄAqÀ½AiÀÄ ªÉÄÃˉÉ EnÖgÀÄªÀ dªÁ¨ÁÝjAiÀÄ£ÀÄß ¥ÀÆtðUÉÆ½¸À®Ä ªÀÄvÀÄÛ ¸ÀzÀ¸ÀåjUÉ GvÀÌøµÀÖ ¸ÉÃªÉAiÀÄ£ÀÄß MzÀV¸À®Ä ¤ªÉÄä®ègÀ vÀÄA§Ä ºÀÈzÀAiÀÄzÀ ÀºÀPÁgÀ, ÉA§® ªÀÄvÀÄÛ ªÀiÁUÀðzÀ±Àð£ÀªÉÃ PÁgÀt DzÀÄzÀjAzÀ EAzÀÄ ÁåAPï F GvÀÛªÀÄ ªÀÄlÖ vÀ®Ä¥À®Ä ÀºÁAiÀÄªÁVzÉ. ªÀÄÄA¢£À ¢£ÀUÀ¼À°è PÀÆqÀ vÀªÀÄä ÀºÀPÁgÀ ªÀÄvÀÄÛ ÉA§®ªÀ£ÀÄß EzÉÃ jÃwAiÀÄ°è vÉÆÃgÀÄwÛgÉA§ £ÀA©PÉ¬ÄzÉ. ¨sÀ«µÀåzÀ°è Gdé® ºÁUÀÆ GvÀÛªÀÄ ¥ÀæUÀwAiÀÄ£ÀÄß ¸Á¢ü¸ÀÄªÀ «±Áé¸ÀªÀ£ÀÄß ¤zÉÃð±ÀPÀ ªÀÄAqÀ½ ºÉÆA¢zÉ.

«©ü£Àß ¸ÀÜgÀUÀ¼À°è zÀÄrAiÀÄÄwÛgÀÄªÀ ¨ÁåAQ£À £ËPÀgÀ ¹§âA¢AiÀÄ ¸ÉÃªÁ ªÀÄ£ÉÆÃ¨sÁªÀ ºÁUÀÆ ¸ÀºÀPÁgÀ¢AzÀ GzÉÝÃ±ÀUÀ¼À£ÀÄß / zsÉåÃAiÀÄUÀ¼À£ÀÄß UÀÄj ªÀÄÄlÄÖªÀ°è ¸À¥sÀ®ªÁVzÉÉ. CªÀgÉ®èjUÀÆ ¤zÉÃð±ÀPÀ ªÀÄAqÀ½AiÀÄÄ PÀÈvÀdÕvÉ À°è¸ÀÄvÀÛzÉ.

¤zÉÃð±ÀPÀ ªÀÄAqÀ½AiÀÄ ¥ÀgÀªÁV

G¤ßPÀÈµÀÚ£ï .JCzsÀåPÀëgÀÄ

ªÀAzÀ£ÉUÀ¼ÉÆA¢UÉ,

6



Dear Members,

th On behalf of the Board of Directors I have great pleasure in presenting, the 64

Annual Report of the Accountant General's Office Employees' Co-operative Bank Limited

together with audited accounts by the statutory auditors for the year ended 31 March 2018

before the Honourable members of the General Body of the Bank.

It is a matter of pride that our Bank, which was established in 1954, has successfully

completed its 64 years of valuable service to the members. At this juncture, on behalf of the

Board of Directors, I sincerely thank the efforts of all those past and present members who

are responsible in making our Bank as one of the best managed Co-operative Banks in the

State. During these years of operation, the bank displayed its proficiency in all its areas of

operation and improve upon in the quality of services rendered. But for the help and

support of the members and staff, this kind of operational excellence could not have been

achieved.

Our bank's sustained performance reflected in continuous asset creation in the form

of providing higher loan to the members, higher dividend and value to the customers which

provided a base for the members to create assets.

PERFORMANCE HIGHLIGHTS-FINANCIAL PARAMETERS

Here is a bird's eye-view of the performance of our Bank for the financial year

2017-18:

Net profit increased from 127 lakh to 183 Lakhs. An increase of 45.23 percent.

Total deposits increased from ` 149.13 crore to ` 153.69 crore from the previous year

indicating continuous patronage and confidence of members and general public.

Total advances increased from 105.53 crore to 112.52 crore.

Share capital increased from ` 6.96 crore to ` 7.57 crore with net increase of 8.76

percent. 41 Regular Members, 6 Associate Members and 85 Nominal Members were

enrolled during the year.

Investments stood at 51.86 crore.

Credit-Deposit ratio stood at 73.21 percent.

Net Non-performing assets is Nil.

CRAR has increased by 1% from 10.30 to 11.30% due to better investments & creation

of other reserves.

7

WELFARE INITIATIVES

The Bank has been undertaking various welfare measures for the benefit of the

members. Some of the facilities extended to the members in the recent past are indicated

below:

Two Insurance schemes viz Prime Minister's Suraksha Bima Yojana and Prime

Minister's Jeevan Jyoti Bima Yojana launched by the Honorable Prime Minister of India

were continued during the current year. As of July 2018, 496 number of customers and

248 number of members respectively continued to contribute to the scheme.

Medical reimbursement of 4,25,645 lakh was sanctioned to 15 members.

An amount of 12,50,000 lakh was paid out of Death relief fund to 7 bereaved families.

As a token of encouragement and recognition and also to commemorate the

achievement of the meritorious children of our members, the Bank felicitated 38

students with a plaque and a cash award.

During the year, 96 of our members, who retired from service were also felicitated by

our Bank.

Free health check-up facility to our retired staff also continued.

Subject to approval by this august body, it is proposed to establish a Staff Retirement

Relief Fund out of the profit available for distribution as indicated in page no.49

STATUTORY & INTERNAL AUDIT ARRANGEMENT

The accounts of the Bank are subject to biennial audit by the Reserve Bank of India.

The Registrar of Co-operative Societies and the Statutory Auditors carry out Annual Audit

of the Accounts of the Bank. The audit by RBI and Statutory Auditors have since been

completed. Besides these, the accounts are also concurrently audited (Internal Audit) by

Chartered Accountants.

Apart from Internal auditors, the internal auditors consisting of Two Directors of the

Board reviews working of the Bank. They have been assigned the responsibility of

examining and ensuring adherence to systems and procedures, policies, directives and

guidelines of the Reserve Bank and to report the deficiencies, if any, to the Board.

CAPACITY BUILDING

Special services such as SMS alerts, filing of Income tax returns of the serving staff

members, ECS facility, Core-banking solutions. RTGS and NEFT where members can

transfer funds from their respective savings bank account to other bank accounts were

further streamlined during the year. After the approval for mobile banking we had

developed the software and provided to the members. This is being further modified,

8

shortly to provide better services to the customers. Further the NEFT/RTGS facilities have

been made free for those customers who initiate it through our bank App.

ACKNOWLEDGEMENT:

On behalf of the Board of Directors I take this opportunity to thank all the members

and customers for their continued co-operation. The Board of Directors also

acknowledges the valuable suggestions and support of:

All the Heads of offices coming under the Indian Audit and Accounts Department

located in the State of Karnataka.

The Reserve Bank of India, Joint Registrar of Co-operative Societies, HDFC Bank

Limited, Kotak Mahindra Bank, Karnataka State Co-operative Apex Bank Limited, all

our esteemed investors and depositors, Statutory Auditors, M/S Processware

Systems Private Limited and M/S Sarvatra Technologies for facilitating in the

smooth conduct of our banking business in an IT environment and various

Associations/Organisations within Indian Audit and Accounts Department.

It is only because of your whole-hearted co-operation, support and guidance that the

Bank has been able to provide efficient and quality services to the satisfaction of our

members and also to accomplish the responsibility vested upon the Board of Directors.

I look forward to your continued co-operation, valuable suggestions and support in

the days to come. I also assure you that it shall be our endeavour to deliver quality, prompt

and efficient services to all our members.

The Board of Directors also appreciates the staff of the Bank for their dedicated

services and co-operation in achieving the objectives and desired results.

For and on behalf of the Board of Directors

UNNIKRISHNAN.APresident

9

EªÀgÀ®èzÉ, PÀ¼ÉzÀ ªÀµÀð C£ÉÃPÀ gÁ¶ÖçÃAiÀÄ £ÁAiÀÄPÀgÀÄ zÉÃ±ÀzÀ K½UÉUÁV zÀÄrzÀ C£ÉÃPÀ UÀtågÀÄ ¥ÀæPÀÈw «PÉÆÃ¥À ºÁUÀÆ £Á£ÁPÁgÀtUÀ½AzÀ C£ÉÃPÀ d£À ªÀÄÄUÀÞgÀÄ vÀªÀÄä fÃªÀ vÉÆgÉ¢zÁÝgÉ.

EªÀgÀÄUÀ¼ÀÄ £ÀªÀÄä£ÀUÀ°zÁÝgÉ

EªÀgÉ®ègÀ DvÀäUÀ½UÉ ¨ÁåAQ£À ªÀÄvÀÄÛ ¸ÀzÀ¸ÀågÀ ¥ÀgÀªÁV ±ÀæzÁÞAd°AiÀÄ£ÀÄß C¦ð¹ CªÀgÀ PÀÄlÄA§ ªÀUÀðzÀªÀjUÉ ¸ÁAvÀé£ÀªÀ£ÀÄß §AiÀÄ¸ÀÄvÉÛÃªÉ.

1. Sreedhar .P

2. David Challaiah .S

3. Lakshmi B.R.

1. ²æÃzsÀgï .¦2. qÉÃ«qï ZÁˉÁAiÀÄå .J¸ï3. ®QëöäÃ ©.Dgï.

4. GªÀiÁ ±ÀAPÀgï .Jˉï5. «ÃgÀ§æºÉäAzÀgï .Jˉï6. ªÉAPÀlgÁªÀÄ£ï .Dgï

4. Uma Shankar .L

5. Veerabrahmender .L

6. Venkataraman .R

rdPROCEEDINS OF THE 63 ANNUAL GENERAL BODY MEETING OF

THE ACCOUNANT GENERAL'S OFFICE EMPLOYEES' CO-OPERATIVE

BANK LIMITED, HELD ON 09.09.2017 AT 11.25 AM AT AGOR CLUB,

MAIN BUILDING, BANGALORE – 560 001

1. INVOCATION

The Annual General Body meeting commenced at 11.25AM with the invocation of

Mr. H.K. Girisha. President, Internal Auditors Sri S. Raghavendra and Smt B. S. Suma

were on the dias. Secretary requested the members to observe two minutes silence in

token of respect of Departed souls of eminent personalities who had served the

country, many innocent lives lost for various reasons and members of the Bank who

passed away during the year.

2. WELCOME SPEECHrd Shri Unnikrishnan A., President welcomed the general body to the 63 Annual

General Body meeting of the year 2016-17. He sincerely thanked all the past and

present members, past and present Directors for the progress of the Bank. He

expressed that the Bank has completed 63 years. He highlighted some of the

achievements of the Bank. Net profit increased from ` 90 lakhs to ` 126 lakhs. Total

deposits increased from ` 138 lakhs to ` 153 lakhs. Advances increased from ` 97

crores to 107 crores. He expressed that during the demonetization period the bank

faced lot of difficulties, in spite of this, they have almost paid 9 crores to the members

during the demonetarization period, i.e. 08.11.2016 to 30.12.2016. The Board of

Directors and staff raised to their level best to get the monies from Kotak Mahindra,

Apex Bank, RBI etc. He was happy to say that they have distributed maximum cash

disbursements. He thanked all the members for having extended their co-operation.

All the welfare schemes including medicalreimbursement, felicitation to retired

members have been continued. Pradhana Manthri Jeevana Jyothi Bhima Yojana and

Pradhana Manthri Surakaha Yojana Insurance scheme, introduced by the

Government of India is cheapest and he has requested those members who have not

enrolled to get enrolled the insurance scheme, RBI has completed their audit. 400 to

500 members had taken the debit card, On behalf of the Board of Directors he

acknowledged the valuable suggestions of the Officers of IA&AD, Co-operative

Societies department, Apex Bank, HDFC Bank and all other people who have

supported the Bank. It is because of the support of the members in particular that the

bank could excel in all its activities and achieved the progress and he also

appreciated the efforts of the staff of the Bank also and he thanked one and all.

10

3. READING AND RECORDING OF MEETING NOTICE FOR 2016-17

The Secretary commenced reading of the notice of the Meeting requested that

the meeting notice be approved. Shri Rajiv proposed and Shri Vinod seconded,

theGeneral Body approved the same.

4. ADOPTION OF MINUTES OF THE PREVIOUS GENERAL BODY MEETING

HELD ON 24.09.2016.

The Secretary stated that Minutes of the Previous General Body Meeting in page

no 13 and Action taken report was given in page No.10. Shri Ravishankar proposed

and Shri Ramesh seconded, the General Body approved the same.

5. ADOPTION OF THE DIRECTORS REPORT FOR THE YEAR 2016-17.

Secretary requested that the August body to approve the Directors report, Shri

Shivakumar proposed that the same may be taken as read, seconded by Sri Surendra

and the General Body approved the same.

6. ADOPTION OFAUDITED STATEMENT OF ACCOUNTS FOR THE YEAR

2016-17.

Secretary kept open the subject for discussion, Mr.Ramesh Itagi pointed out that

no details were furnished regarding deduction of income tax, tax payment made on

income and he wanted to know whether it is on F.D. or something else. The Secretary

explained that total income of the bank comprises of interest on investments, interest

on loans, mutual funds minus allowable administrative expenses and that Income tax

had been paid according to the Income Tax rules. Mr.Ramesh Itagi expressed that on

the MBS amount of the members, 1.6% will go as tax while the members are paying

9.5% interest on personal loan. He therefore opined that by keeping the amount in the

bank, neither the bank nor the members were being benefitted. He wanted to know

whether it is necessary and fairto pay tax for our own money. The President explained

that MBS was introduced in 1984 when there was some problem and formed a

definite source of the income to the Bank, and MBS was also the basis to extend loan

to the members and that the balance at the credit of the members was being refunded

at the time of retirement. Mr.Ramesh Itagi reiterated that as to why the members

should pay income tax on their own money and stated that MBS is a scheme and not a

fund and said it can be collected only if the bank is benefited. He requested to

mobilize funds through S.B.Accounts.

11

The President explained that up to 31. 05.2015 there was no tax on MBS.

President also stated that after demonetization, deposits has increased only by 2.5

crores. Mr.T.S.Jayadevaasked to drop this proposal stating that funds are available,

bank will give loan. The President said he will place the matter before the Board and

that efforts would be made to increase the cash disbursements out of the interest paid

on MBS.

Sri T S Jayadeva said the bank has to transfer profit to the extent of 25% to reserve

fund as per the rules of the RBI and said main source of income is profit and interest on

investments. President explained the position. Mr. T S Jayadeva said bank should try

to protect the interest of the members and requested to run the bank on social lines

and requested to reduce the interest on loans and suggested that the bank should not

resort to making profit at the cost of the members. President said they need to

constantly put efforts to make the bank sufficiently strong and that the bank had to

function on commercial lines.

Mr. Ramesh Itagi enquired how much amount was required to run the Institution

and what the establishment charges were and whether it was fair to transfer the

members' money to the reserve fund. Nevertheless, he appreciated the functioning of

the present Committee. President replied that the quantum of money required to

maintain the institution depends on the net income. He also said that in fact, RBI,

during the audit of the accounts of the bank had suggested that bank should increase

the rate of interest. Mr. Ramesh Itagi said that bank has made huge profit and

requested not to take shelter under RBI audit for not reducing the interest rate.

Mr. T S Jayadeva added Bank making undue profit at the cost of the members and

requested to have an open view on this issue. President assured that he would place

this issue before the Board for appropriate decision. Mrs. Ramalakshmi also

requested to take the suggestions of one or two members.

Mr. T S Jayadeva also questioned as to why the bank should transfer amounts to

reserve fund at the cost of the members. Mr.Ramesh Itagiadded that since the earlier

situation is no more prevailing, interest should be reduced with a view to extend the

benefit to employees. The President confirmed that the Board had already reduced

0.25% in the interest rates and that if possible, further reduction would certainly be

considered.

12

Mr. Ramesh Itagi said as compared to previous year's profit, this year's profit had

increased by almost 50% and requested not to increase reserve fund balances.

He said employees are working really hard and requested to pass on the incentives to

them. Sri T S Jayadeva pointed out that Bank should function sonly on co-operative

line. The President again assured that he would place the same before the Board and

ensure maximum benefit to the members.

Mr. Srikanth pleaded not to wait till next General Body in this matter and to take a

decision early. Shri Rajiv proposed and Srikanth seconded and the general body

approved the same.

7. APPROPRIATION OF NET PROFIT FOR THE YEAR 2016-17.

Secretary kept open the Net profit appropriation agenda, Shri Srikanth proposed

and seconded by Shri Rajiv and approved by the General Body.

8. APPROVAL OF BUDGET FOR THE YEAR 2017-18 AND EXCESS OF

EXPENDITURE OVER THE BUDGET GRANT FOR THE YEAR 2016-17

Secretary requested the members to ratify the excess expenditure over and

above the budget allocated for the year 2016-17, Shri G.Shankar proposed and

seconded by Shri Surendra and approved by the General Body.

9. TO CONSIDER APPOINTMENT OF AUDITOR FOR THE YEAR 2017-18.

Secretary said that there were only two applicants and Board had recommend the

appointment of M/s M.C. Shekar andCompany and the charges would be 2.25 lakhs

per annum, which was not negotiable. Shri G.Shankar proposed and seconded by

Sri Kumaraswamy and approved by the general body.

10. APPROVAL OF PROPOSED AMENDMENT TO BYE-LAWS

The Secretary opened next item on the agenda “Amendment to Bye-law”, and

explained that Bye-Law Nos 4, 31,45,53,65 are mandatory as per the provisions of the

Karnataka Co-operative Societies' Act, while the Board had proposed to amend Bye

law no 113 to increase DRF contribution from the existing ` 300.00 to `.450.00.

He also said that upon the death of a member, the legal heir of the deceased would be

13

entitled to 9 lakhs in contrast to the existing compensation of 4 lakhs, considering

that on an average, there were 6 deaths per annum during the past five-year period.

He kept open the subject for discussion.

Mr.Ramesh Itagi while stating that for increasing DRF amount, many factors have

to be considered and that there is already an accumulated amount of Rs.1 crore and

said it works out to 12 lakhs. He has bifurcated that 1 crore to 3 years and worked

out to ` 12 lakhs. And said this should be operated from this account only on

accumulated amount for any 3 years and he has suggested to increase the DRF

amount as 12 lakhs.

The President said that they have received a representation signed by 150

members and requested any member of the signed list to come up and speak. Mr.

Lingaraju said if ` 150.00 is increased in DRF contribution the amount would be

` 1 crore 25 lakhs and the bank can invest the same funds and earn interest. Shri

Ramesh Itige said that this was not correct and opined that the amount should be

worked out based on whatever the amount bank is recovering and that the same

cannot be diverted for any other purpose. Mr.Srikanth added that DRF is not a

savings.

The President said he will once again discuss the same with the Board.

Sri Ramesh Itagi stated that when Committee has discussed, there was no need to

discuss again and again and asserted that whatever, the general body approvesis

final.

Mr. Nagaraj said the amount of contribution should be ` 300.00 and the amount

should be 9 lakhs. Shri Srikanth explained that the bank should come to the rescue

of the aggrieved family and therefore bank should consider increasing the

compensation to 15 lakh, if possible, as the officials' savings would be less.

Mr. Ramadas S. explaining 2 cases said ` 12 lakhs is reasonable and said

deceased family members are facing difficulties, not being able to pay the Bank

dues. Mr. Anil Kumar also requested to enhance the same to 12 lakhs.

14

The President reiterated that they had discussed this issue for more than a year

and they have taken proposal from LIC also and considering the average age of death

and number of deaths, the Board had considered 9 lakhs and said the main concern

was to protect the interest of the bank and also the members and finally agreed to

increase to 10 lakhs.

Mr. Ramesh Itagi, while explaining with statistics said that considering average of

3 years accumulated amount it works out to ` 15.5 lakhs, but he was proposing only

` 12 lakhs. The President said after 2-3 years they would consider further increase.

Shri Anil Kumar requested to consider as ` 12 lakhs. The President said he has

discussed with CEO also and said that this year the compensation would be ` 10

lakhs and would be increased in the next year to 12 lakhs. When the members were

not agreeable to any of these decisions, the President finally replied that the decision

was left to the wisdom of the General Body. Shri Ramesh Itigi proposed for

enhancement of DRF amount to ` 12 lakhs and it is seconded by Mr. Ravindranath

and approved by the general body unanimously. Mr. Ramesh Itigi requested not to

discriminate members and associate members and DRF amount applies to all the

members equally.

11. OTHER SUBJECTS (OTHER THAN AMENDMENT TO BYE-LAWS) IF ANY,

WITH THE PERMISSION OF THE CHAIR.

The President said that he has not received any letters and kept open the subject

for discussion.

Mr. Ramesh Itige pointed out in one of the medical reimbursement case, in the last

general body there was lot of discussions and the case was finally rejected and he

abides by the decision of the General Body. Ramesh Itagi also made an allegation that

the CEO of the Bank was discussing this matter in the canteen and objected to the

same. The C.E.O. quoted 39.2 of the bye-law, which states that “the chief executive

shall record the minutes of the proceedings of the meeting truly and accurately as per

the deliberations in the book kept for the purpose et., Secretary also told that she had

discharged her duties correctly, but unnecessarily she was being targeted in this case

for no fault of hers. At this juncture, Smt Ramalakshmi said these are not the issues to

be discussed in the general body and requested to maintain decorum and to close

the matter.

15

Mr. Anil Kumar pointed out that members of the Bank who are covered under New

Pension Scheme (NPS) are also extended loan facilities by the Bank. However under

NPS, the officials are not eligible for DCRG before the completion of prescribed

period. In case of such officials who avail loan and leave the office before the

completion of prescribedperiod, there are no means to recover the outstanding dues

from them, which results in huge loss to the Bank. Sri Ramesh Itagi and Srikanth also

endorsed this view and suggested to take legal opinion in the matter to safeguard the

interest of the Bank. Ramesh Itagi also stated that the matter should be brought to the

notice of the Administration.

The President said the present Secretary should be redesignated as C.E.O. and

he has proposed the same and Mr. Rajiv seconded and the same has been approved

unanimously.

Shri Ramamurthy M, Director proposed the vote of thanks. He thanked the

Accountants General and the Sr.DAG(Admn) of all the offices, and the members for

direct or indirect co-operation and support in making the meeting successful and for

valuable suggestions and guidance. He also thanked the Sr.AO(OM) and staff for

making arrangements and also the Board of Directors.

The President informed that Mr.Srinivasan.B., Vice President was unable to the

General Body meeting, due to his ill-health.

Mr.Ramesh Itagi appreciated the Committee of Management stating that they had

been working tremendously well and requested to continue the good work in the

coming yearsalso.

The general body meeting concluded at 2.00 PM.

For and on behalf of the Board of Directors

UNNIKRISHNAN .APresident

16



PÉ®¸ÀzÀ ªÉÃ¼É / WORKING HOURS

¸ÉÆÃªÀÄªÁgÀ¢AzÀ ±À¤ªÁgÀ zÀªÀgÉUÉ / Monday to Saturday

10-00 a.m. to 1-00 p.m.1-30 p.m. to 4-00 p.m.

¨sÁ£ÀÄªÁgÀ, 2£ÉÃ ªÀÄvÀÄÛ 4£ÉÃ ±À¤ªÁgÀ gÀeÁ ¢£À / Sunday, 2nd and 4th Saturday Holiday

17

¢ CPËAmÉAmï d£ÀgÀ¯ïì D¦üÃ¸ï JA¥Áè¬ÄÃ¸ï ¢£ÁAPÀ 01.04.2017 jAzÀ

£ÀµÀÖ 31.03.2018�� 31.03.2017��

1 108,330,307.57 113,857,821.71 . �ೕವ�ಗಳ �ೕ� ಬ�� ಾವ��ದು�

2. �ಬ�ಂ� �ೕತನ

�ಬ�ಂ� �ೕತನ 5,895,240.00 6,059,039.00

�ೂೕನ� 250,000.00 250,000.00

3. ¤zsÉð±ÀPÀgÀ ¹nÖAUï ¨sÀvÉå

¹nÖAUï ¨sÀvÉå

4. �ಾ�� ಮತು� ��

�� 1,842,589.00 1,885,294.00

�ಾ�� 6,660.00 6,660.00

ವೃ�� (�ಾ�ಂ�) 2,500.00 2,500.00

��ೕಶನ �� 407.00 536.00

«zÀÄåvï �� ಾವ� 156,000.00 156,000.00

5. 1,000.00 1,500.00 �ಾನೂನು/ವೃ�� ಪರ �ಚ�

6. ಅಂ� ಮತು� ದೂರ�ಾ�

ಅಂ� 2,729.00 13,277.00

ದೂರ�ಾ� 78,269.55 71,394.00

7. ಮುದ�ಣ �ೕಖನ �ಾಮ�� ಾ��ಾತು

ಮುದ�ಣ �ೕಖನ �ಾಮ�� 148,869.98 182,327.50

�ಾ��ಾತು 111,250.00 149,500.00

18

PÉÆÃ-D¥ÀgÉÃnªï ¨ÁåAPï °«ÄmÉqï, ¨ÉAUÀ¼ÀÆgÀÄ-01.31.03.2018 gÀ ªÀgÉV£À ˉÁ¨sÀ ªÀÄvÀÄÛ £ÀµÀÖ vÀBSÉÛ

ˉÁ¨sÀ 31.03.2018�� 31.03.2017��

1. 102,663,606.91 100,885,068.78 �ಾಲ ಮತು� ಮುಂಗಡಗಳ �ೕ�ನ ಬ�� ಬಂದದು�

2 43,046,396.77 42,047,527.59 ಗುಂ�ಾ�ಗಳ �ೕ�ನ ಬ�� ಬಂದದು�

3. 1,315,213.00 1,121,283.10 ಮೂ�ಚುಯ� ಫಂ� �ೕ�ನ ��ಂ� ಬಂದದು�

4. ಇತ� ಆ�ಾಯಗಳು

ಅ�� ಶುಲ� 26,830.96 28,265.00

ಇತ� 62,455.43 66,936.65

ಪ��ೕಶ ಶುಲ� 2,050.00 1,900.00

�ೕರು ಶುಲ� 440,460.00 502,220.00

ಸಹ ಸದಸ�ರ �ೕರು ಶುಲ� 23,450.00 21,920.00

ಸಹ ಸದಸ�ರ ಪ��ೕಶ ಶುಲ� 300.00 100.00

. . . ಎ � ಎ� ಜ�ಾ 369,897.15 169,160.84

��ಯ�ಂ� ಕ�ಷ� 15,155.00 18,295.74

. . . �� ಎ �ಾಜ�� 8,000.00 12,500.00

ಸ�ಾ�� ಹೂ��ಗಳ �ಾ�ಾಟ �ಾಭ 1,489,000.00

�� ಇಶೂ� �ಾಜ�� 18,145.80 25,984.00

�ಾ�ಂಕ�� /�ೕ ಆಡ�� ಕ�ಷ� 42,267.00 87,181.00

. . ಕ�ಷ� � � �ೕ� 135.00 100.00

. . . . . . . ಕ�ಷ� ಆ� � � ಎ�/ಎ� ಇ ಎ� � �ೕ� 77,539.85 47,835.00

. . ©üÃªÀÄ � ಎ� �ೕಜ� ಆ�ಾಯ 10,168.00 14,029.00

�ಾಭದ �ೕ� ಆ�ಾಯ �� ಾವ� 226,050.00

ಆ�ಾಯ �� ಮರು�ಾವ� �ೕ� ಬ�� ಬಂದದು� 7,910.00

. . . ಎ� ಎ� ಎ� ಆ�ಾಯ 80,931.00

ಒಪ�ಂದ ಮು�ದ ದಂಡ 100,000.00

19


£ÀµÀÖ 31.03.2018�� 31.03.2017��

8. ಇತ� �ಚ�ಗಳು

ಆ�� ಶುಲ� 339,800.00 242,375.00

. ಐ � �ಟ�� ಶುಲ� 177,000.00 86,250.00

. . . ಎ ಎ� � ಶುಲ� 344,390.00 278,632.00

�ಾ��ಾ�ರು ಖಚು� 184,538.00 223,575.00

ಪ��ಾಣ ಖಚು� 77,715.00 78,371.00

ದುರ�� ಮತು� ಸಂರ�� 12,599.00 26,833.00

�ಾ�ೂ�ೕತ�ವ/�ಾ�ತಂತ� ��ಾಚರ� �ಚ� 54,000.00 53,500.00

ಮ�ಾಸ� �ಚ� 306,926.00 295,657.00

ಭ�ಷ� �� ಆಡ�ತ �ಚ� 43,494.00 40,217.00

�ೖದ��ೕಯ/�ವೃ�� ಸದಸ�ರ ಸ� 85,082.00 105,014.00

ಗಣಕ ಯಂತ� ಸಂರ��ಾ �ಚ� 65,000.00 5,550.00

��ಯ�ಂ� �� ಾಜ�� 39,225.69 36,704.63

. . . ಎ � ಎ� �ಚ� 256,510.00 488,332.00

ಪ��ಾ ಪ�ರ�ಾ�ರ �ಚ� 226,912.00 199,890.00

ಸ� �ಚ� 15,235.00 9,297.00

ಸ�ಾ�� ಹೂ��ಗಳ ��ೕ�ಯಂ �ಾವ� 22,000.00 202,770.00

�ಬ�ಂ� �ೕಮ�ಾ� �ಚ� 25,000.00 1,502.00

�ೂೕಟ�ಾ�� ಅ�ವೃ�� ಚ� 6,500.00

ಚು�ಾವ�ಾ �ಚ� 103,196.00

. . . � � ಎ� �ೕ�ನ ದಂಡ 135.00 23,569.20

ಗುರು�ನ �ೕ� �ಚ� 750.00

. . . ಎ� ಎ� ಎ� �ಚ� 29,936.00

. . . . � � ಎ� � �ಾವ� 54,391.20

.. . . . ಎ� � ಎ� � �ಾವ� 54,391.20

. . . ಐ � ಎ� � �ಾವ� 86,726.32

. �� ೕ�ಂ� ಕಂ �ಾವ� 55,250.00

20


ˉÁ¨sÀ 31.03.2018�� 31.03.2017��

21


£ÀµÀÖ

ˉÉQÌUÀgÀÄ(²ªÀtÚ)

PÁAiÀÄðzÀ²ð(¸ÀÄªÀÄ .JA)

DAvÀjPÀ ˉÉPÀÌ¥Àj±ÉÆÃzsÀPÀgÀÄ(¸ÀÄªÀÄ .©.J¸ï)

DAvÀjPÀ ˉÉPÀÌ¥Àj±ÉÆÃzsÀPÀgÀÄ (gÁWÀªÉÃAzÀæ. .J¸ï)

G¥ÁzsÀåPÀëgÀÄ(²æÃ¤ªÁ¸À£ï .©)

CzsÀåPÀëgÀÄ (G¤ßPÀÈµÀÚ£ï.J)

31.03.2018�� 31.03.2017��

9. ಅವ�ಾಶಗಳು

ಸವಕ� 427,786.36 490,848.37

�ಷ� �ಾಲಗಳ �ೕ� ಅವ�ಾಶ 300,000.00 300,000.00

ಹೂ��ಗಳ ಸವಕ� �� 800,000.00 340,000.00

. ��ೕಷ ಕರಡು �ಾಲ ಅವ�ಾಶ ಐ � �ಾ�� 36 (i) (viii) 600,000.00 500,000.00

ಕರಡು ಮತು� ಸಂಶ�ಾಸ�ದ �ಾಲದ �� ಅವ�ಾಶ 1,500,000.00 1,000,000.00

10. 26,774,887.00 17,516,334.29 �ಾಭ �� ಮುನ�

149,792,001.87 145,284,266.70 ಜು�ಾ�

�ಾಭ �� ಮುನ� 26,774,887.00 17,516,334.29

8,463,570.00 4,900,000.00 ಆ�ಾಯ �� ಾವ�

18,311,317.00 12,616,334.29 �ವ�ಳ �ಾಭ

22


ÀÜ¼À : ¨ÉAUÀ¼ÀÆgÀÄ ¢£ÁAPÀ : 08-08-2018

ˉÁ¨sÀ 31.03.2018�� 31.03.2017��

149,792,001.87 145,284,266.70 ಜು�ಾ�

. .ಎಂ � �ೕಕ� & �ೂೕ ಪರ�ಾ�

�ಾಟ�� ಅ�ಂ�೦� . .(ಎಂ � �ೕಕ�)

:�ಾ�ೕಕರು ಸದಸ�ತ� ಸಂ�� 029555

23

THE ACCOUNTANT GENERAL’S OFFICE EMPLOYEES’ DATE 01.04.2017 TO

EXPENDITURE AS ON

31.03.2018AS ON

31.03.2017

1. Interest paid on Deposits 108,330,307.57 113,857,821.71

2. Establishment charges

Salary & Allowances 5,895,240.00 6,059,039.00

Bonus/Ex-Gratia 250,000.00 250,000.00

3. Directors Sitting Fee & Allowance

Sitting Fee

4. Rent Rates & Taxes

Insurance 1,842,589.00 1,885,294.00

Rent 6,660.00 6,660.00

Professional Tax (Bank) 2,500.00 2,500.00

Site Tax 407.00 536.00

Electricity Charges 156,000.00 156,000.00

5. Legal/Professional Charges 1,000.00 1,500.00

6. Postage & Telephones

Postage 2,729.00 13,277.00

Telephone 78,269.55 71,394.00

7. Printing, Stationery & Advertisement

Printing & Stationery 148,869.98 182,327.50

Advertisement 111,250.00 149,500.00

8. Other Expenses

Statutory Audit Fee 339,800.00 242,375.00

I.T. filing charges 177,000.00 86,250.00

A.M.C. Charges 344,390.00 278,632.00

Contigency Expenses 184,538.00 223,575.00

Conveyance 77,715.00 78,371.00

Repairs & Maintenance 12,599.00 26,833.00

Rajyotsava/Independence Day Expenses 54,000.00 53,500.00

General Body Expenses 306,926.00 295,657.00

P.F.Administrative Charges 43,494.00 40,217.00

Medical/Retired Members Meeting Exp 85,082.00 105,014.00

24

CO-OPERATIVE BANK LIMITED, BANGALORE-01.

31.03.2018

INCOME AS ON 31.03.2018

AS ON 31.03.2017

1. Interest received on Loans & advances 102,661,489.91 100,885,068.78

2. Interest received on investments 43,046,396.77 42,047,527.59

3. Dividend received on Mutual funds 1,315,213.00 1,121,283.10

4. Other Income

Sale of books and forms 26,830.96 28,265.00

Miscellaneous income 62,455.43 66,936.65

Admission fee 2,050.00 1,900.00

Share fee 440,460.00 502,220.00

Associate Membership fee 23,450.00 21,920.00

Associate Member admission fee 300.00 100.00

A.T.M. Receipt 369,897.15 169,160.84

Clearing Commission Received 15,155.00 18,295.74

H.B.A. Charges 8,000.00 12,500.00

Cheque book issue charges 18,145.80 25,984.00

Profit on sale of Govt Securities 1,489,000.00

Commission on Bankers Cheque 42,267.00 87,181.00

Commission on Demand draft 135.00 100.00

Commission on RTGS/NEFT 77,539.85 47,835.00

Income from PMJJ bima yojana 10,168.00 14,029.00

Tax paid on profit 226,050.00

Interest rece'd on IT refund 7,910.00

NFS charges income 80,931.00

Penalty for breach of contract 100,000.00

Penal interest 2,117.00

25

THE ACCOUNTANT GENERAL’S OFFICE EMPLOYEES’ DATE 01.04.2017 TO

EXPENDITURE AS ON

31.03.2018AS ON

31.03.2017

Computer Maintenance Expenses 65,000.00 5,550.00

Clearing House Charges 39,225.69 36,704.63

A.T.M. Expenses 256,510.00 488,332.00

Prathibha Puraskar Expenses 226,912.00 199,890.00

Meeting Expenses 15,235.00 9,297.00

Premium Paid on Govt Securities 22,000.00 202,770.00

Recruitment Expenses 25,000.00 1,502.00

Garden Development Expenses 6,500.00

Election Expenses 103,196.00

Penalty on TDS 135.00 23,569.20

Identity Card Charges 750.00

NFS charge expenses 29,936.00

SGST paid 54,391.20

CGST paid 54,391.20

IGST paid 86,726.32

Credit rating information subscription 55,250.00

9. Provisions

Depreciation 427,786.36 490,848.37

Provision for Standard Assets 300,000.00 300,000.00

Investment Dep Reserve 800,000.00 340,000.00

Provision for Special BDDR Sec 36 (i) (vii) 600,000.00 500,000.00

Provision for Bad & doubtful debt 1,500,000.00 1,000,000.00

10. Profit Before Tax 26,774,887.00 17,516,334.29

149,792,001.87 145,284,266.70

Profit Before Tax 26,774,887.00 17,516,334.29

Less Income Tax 8,463,570.00 4,900,000.00

18,311,317.00 12,616,334.29

26


31.03.2018

INCOME AS ON 31.03.2018

AS ON 31.03.2017

Unnikrishnan .A President

Suma .M Secretary

ShivannaAccountant

Suma .B.SInternal Auditor

Raghavendra .SInternal Auditor

Sreenivasan .B Vice-President

Place: BangaloreDate : 08.08. 2018

149,792,001.87 145,284,266.70

For M C SHEKAR & CO Chartered Accountants

(M C SHEKAR ) Proprietor

M No: 029555

27

¢ CPËAmÉAmï d£ÀgÀ¯ïì D¦üÃ¸ï JA¥Áè¬ÄÃ¸ï ¢£ÁAPÀ 31-03-2018

31.03.2018 �� ಇದ�ಂ�

31.03.2017 �� ಇದ�ಂ�

§AqÀªÁ¼À ªÀÄvÀÄÛ dªÁ¨ÁÝj

28

1. ಬಂಡ�ಾಳ

100,000,000.00 100,000,000.00 I ಅ�ಕೃತ ಬಂಡ�ಾಳ

ii �ಾವ��ದ �ೕರು ಬಂಡ�ಾಳ

a) �ಾ�ಾನ� ಸದಸ�ರು 71,833,800.00 66,011,600.00

b) ಸಹ ಸದಸ�ರು 3,804,700.00 3,507,500.00

c) �ಾಮ �ಾತ� ಸದಸ�ರು 63,650.00 59,400.00

d) �ವೃ�� ಸದಸ�ರು 21,875.00 21,875.00

75,724,025.00 75,724,025.00 �ತ�

2. ಆಪಧ�ನ �ಾಗೂ ಇತ� ��ಗಳು

a) ಆಪಧ�ನ �� 36,205,676.04 32,995,794.75

b) ಕಟ�ಡ �� 12,967.23 12,967.23

c) ಸಮ�ೂೕಲನ �� 784,980.27 531,191.27 ˉÁ¨sÁA±À

d) ಕರಡು �ಾಗೂ ಸಂಶ�ಾಸ�ದ �� 5,069,198.19 3,307,561.19

e) ಆ��ಗಳ ಸವಕ �� 418,173.32 336,115.32 ½

f) �ಾ�ೕನು ಪ��ಾರ �� 2,528,960.00 2,107,323.00

g) �ೖದ��ೕಯ ಪ��ಾರ �� 7,142,439.00 6,652,866.00

h) �ಾನ ಧಮ� �� 257,477.56 257,477.56

i) ಮರಣ ಪ��ಾರ ��(ಸದಸ�ರು) 15,276,801.30 12,514,684.00

j) ಮರಣ ಪ��ಾರ �� (ಸಹ ಸದಸ�ರು) 1,152,739.00 1,246,590.00

j) �ಾ��ಷ� �ಾ� �ಾ� ಂಡ�� ಅ�� 4,548,258.15 4,248,258.15 �

k) �ಬ�ಂ� ಕ�ಾ�ಣ �� 640,512.69 627,412.69

l) ಮ�ೂೕತ�ವ �� 490,277.34 490,277.34

m) ಸದಸ�ರ ಕ�ಾ�ಣ �� 974,008.00 974,008.00

n) ಹೂ��ಗಳ ಏ��ತ �� 2,689,927.77 2,230,913.77

o) ಹೂ��ಗಳ ಸವಕ� �� 6,621,425.80 6,003,750.00

p) ಫ�� ೕ�ಂ� ಸವಕ� �� 5,000,000.00 5,000,000.00

q) ಮರಣ �� (�ವ�ಳ �ಾಭ�ಂದ) 29,593.00 29,593.00

PÉÆÃ-D¥ÀgÉÃnªï ¨ÁåAPï °«ÄmÉqï, ¨ÉAUÀ¼ÀÆgÀÄ-01.gÀ°èzÀÝAvÉ D¹Û - dªÁ¨ÁÝj vÀBSÉÛ

31.03.2018 �� ಇದ�ಂ�

31.03.2017 �� ಇದ�ಂ�

D¹Û ªÀÄvÀÄÛ ¸ÀévÀÄÛUÀ¼ÀÄ

29

1. 12,643,130.00 9,172,098.00 ನಗದು �ಲು�

2. ಇತ� �ಾ�ಂ�ನ�� ಲು�ಗಳು

a) ಕ.ಸ. ಅ�� ಾ�ಂ� �ಾ�� ಾ� 53597737.71 52,843,090.94

b) ಎ�.�.ಐ. �ಾ�� ಾ� 837321.46 2,776,064.96

c) �.�.�.�. �ಾ�� ಾ� 9250.00 9,250.00

d) ��.�ಎ�.�. �ಾ�ಂ� �ಾ�� ಾ� 614083.87 2,729,448.56

c) �ೂಟ� ಮ�ಂದ� �ಾ�ಂ� �ಾ�� ಾ� 4006751.34 2,421,056.75

d) ��.�.ಎ�.�. �ಾ�ಂ� ಎ.�.ಎ�. �ಾ� 4589287.19 2,572,115.51

e) �ಜಯ �ಾ�ಂ� �ಾ�� ಾ� 582690.23 582,685.23

f) �ಾ�ಮ �ಾ� �ಟ�� ಸಹ�ಾರ �ಾ�ಂ� �ಾ�� ಾ� 49940.00 900,000.00

g) ಆ�.�.ಐ. �ಾ�� ಾ� 100000.00

�ತ� 64,387,061.80 64,387,061.80

3. ಅಲ� �ಾಗೂ ಕ� �ೕವ�

. . . . �� ಎ� � ಕ� �ೕವ� 5,000,000.00 5,000,000.00

4. ಹೂ��ಗಳು

I) �ೕಂದ� ಸ�ಾ�ರ ಭದ��ಗಳ��

ಮುಖ �� 217,500,000.00

ಖ�ೕ� �� 212,017,000.00 212,017,000.00 250,118,000.00

. . �ಾರುಕ�� ( 31 03 2018 ��ಇದ�ಂ� ) 213,554,000.00

ii) �ಾಜ� ಸ�ಾ�ರ ಭದ��ಗಳ��

ಮುಖ �� 208,830,000.00

ಖ�ೕ� �� 208,830,000.00 208,830,000.00 168,830,000.00

. . �ಾರುಕ�� ( 31 03 2018�� ಇದ�ಂ�) 205,758,000.00

iii) ಇತ� ಹೂ��ಗಳು

. . . ಆಪಧ�ನ �� ಕ ರ ಸ ಅ�� ಾ�ಂ�ನ�� 2,700,000.00 2,700,000.00

. . . ಘಡು �ೕವ� ಕ ರ ಸ ಅ�� ಾ�ಂ�ನ�� 45,000,000.00 5,000,000.00


31.03.2018 �� ಇದ�ಂ�

31.03.2017 �� ಇದ�ಂ�


30

r) ��ೕಷ �� - ಆ�ಾಯ �� 36(i)(viii) 1,580,000.00 980,000.00

91,423,414.66 91,423,414.66 �ತ�

3. �ೕವ� �ಾಗೂ ಇತ� �ಾ�ಗಳು

a) ಉ��ಾಯ �ಾ� 292399662.86 282,984,935.88

b) ಸ��ತ �ೂಂಡ ಉ��ಾಯ �ಾ�ಗಳು 5591426.47 6,267,800.93

c) ��ಯ ಉ��ಾಯ �ಾ� 3771122.79

d) �ಾ�� ಾ� 354859.47 629,390.16

d) ಸ��ತ�ೂಂಡ �ಾ�� ಾ�ಗಳು 31326.3 30,677.38

e) �ಾಯಂ �ೕವ� 276085745.30 305,564,096.50

f) ಪಕ��ೂಂಡ �ಾಯಂ �ೕವ� 16214.00 1,069,423.00

g) ��ಗುಣ �ೕವ� 639978846.80 594,985,406.00

f) ಪಕ��ೂಂಡ ��ಗುಣ �ೕವ� 1410866.99 2,205,248.09

i) ಆವತ�ಕ �ೕವ� 13898192.40 14,828,594.20

f) ಪಕ��ೂಂಡ ಆವತ�ಕ �ೕವ� 428587.20 684,415.20

k) ಪರಸ�ರ ಸ�ಾಯ �ೕವ� 193566874.64 189,636,160.94

l) ಪಕ��ೂಂಡ ಸದಸ�ರ ಪರಸ�ರ ಸ�ಾಯ �ೕವ� 62996.00 62,996.00

m) ಮರಣ ಪ��ಾರ �ೕವ� 35841985.64 33,295,121.80

n) ಪಕ��ಾದ ಮರಣ ಪ��ಾರ �ೕವ� 3586.00 3,785.00

o) �ಬ�ಂ� ಭದ��ಾ �ೕವ� 22250.00 27,250.00

p) ಧನವಷ� ನಗದು �ೕವ� 16333910.20 14,976,135.20

q) ಧನವೃ�� ಆವತ�ಕ �ೕವ� 57158763.70 44,024,965.10

�ತ� 1536957216.84 1 ,536,957,216.84

4. �ೂರ��ಂದ ಪ�ದ �ಾಲಗಳು

5. 1,683,259.11 136,082.00 6 �� ಾ� ಕ�� (PÁAmÁ)æ �

6. 247,177.00 168,125.00 ¸ÀÄ¹Û �ಾಲಗಳ �ೕ�ನ ಬ�� (PÁAmÁ)æ

7. 4,012,895.80 4,694,036.50 �ೕವ�ಗಳ �ೕ� �ೂಡ�ೕ�ಾದ ಬ��


31.03.2018 �� ಇದ�ಂ�

31.03.2017 �� ಇದ�ಂ�


31

. . . . ಘಡು �ೕವ� �� ಎ� � �ಾ�ಂ�ನ�� 2,500,000.00 2,500,000.00

iv) �ೕರು ಹೂ��

. . . . � � � � �ಾ�ಂ�ನ�� 12,500.00 12,500.00

. . ಕ ಸ ಮ�ಾ ಮಂಡಳ 500.00 500.00

v) ಇತ� ಹೂ��ಗಳು

vi) �.ಎ�. ಯು. ಮೂ�ಚುಯ� ಫಂ� 50,000,000.00

vii) �ೂಟ� ಮ�ಂದ� ��ೖ� (ಏ�.�.�) 10,000,000.00 10,000,000.00

viii) �ಾ�� ೕ �ಾಂ�� 27,571,000.00 27,571,000.00

ix) ಫ�� ೕ�ಂ� ಇಂ�ಯ �� 10,000,000.00 10,000,000.00

97,784,000.00 97,784,000.00

5. �ಾಲ ಮತು� ಮುಂಗಡಗಳು

I ಅ�ಾ�ವ� �ಾಲ

�ೕವ�ಗಳ �ೕ�ನ �ಾಲ 3,500,841.00 1,279,638.00

ಅ�ಾ�ವ� �ಾಲ 7694310.00 2,712,337.00

ii) ಮಧ��ಾವ� �ಾಲ

a) ªÀÉÊAiÀÄQÛPÀ �ಾಲ 787183217.00 721,239,614.00

b) ಗೃಹ ಬಳ� �ಾಲ 669,433.00 1,184,102.00

c) �ಾಹನ �ಾಲ 27,339,223.00 32,584,132.00

d) ��ಚಕ� �ಾಹನ �ಾಲ 3616760.00 3,540,918.00

c) ಎ�.ಎ�.�. �ೕ�ನ �ಾಲ 15,000.00

d) «zÁå¨sÁå¸À ¸Á® 35,148,449.00 36,161,066.00

e) ಮಧ��ಾವ� �ಾಲ 65803977.00 59,459,555.00

f) ��ೕಶ ಪ��ಾಣ �ಾಲ 189100.00 456,220.00

iii) �ೕ�ಾ�ವ� �ಾಲ

a) ��ೕಶನ ಖ�ೕ� �ಾಲ 14211501.00 14,950,313.00

b) ಗೃಹ ��ಾ�ಣ �ಾಲ 128356511.00 140,101,558.00

c) ಗೃಹ ದುರ�� ಾಲ 176113.00 212,677.00

d) �ಚು�ವ� ಗೃಹ �ಾಲ 7750905.00 7,361,394.00


31.03.2018 �� ಇದ�ಂ�

31.03.2017 �� ಇದ�ಂ�


32

8. 377,244.00 377,244.00 �� ಾ� (PÁAmÁæ)

9. ಇತ� ಜ�ಾ�ಾ��ಗಳು

a) �ೕರುವ� ಅ�ಾನತು� 143,827.00 163,357.00

b) �ೕವ� ಅ�ಾನತು� 4,736.00 4,308.80

c) �ಾಲಗಳ ಅ�ಾನತು� 142,120.53 113,271.53

d) �ಬ�ಂ� �� ೕ�ಯಂ 4,263.00 4,253.00

e) �ಬ�ಂ� ಭ�ಷ� �� 36,639.00 39,527.00

f) �ಬ�ಂ� ವೃ�� 2,000.00 2,400.00

g) �ಕ�ಪ��ೂೕಧ�ಾ ಶುಲ� �ೂಡ�ೕ�ಾದದು� 371,800.00 299,250.00

i) �ಾ�ಾನ� ಅ�ಾನತು� 269,291.92 238,524.92

j) �ಾ�ಂಕ�� ಅ�ಾನತು� 1,459,672.49 7,149,402.26

k) ಇ.ಎ�. ಅ�ಾನತು� 309,581.00 309,581.00

l) �ಬ�ಂ� ಆ�ಾಯ �� 4,751.00

m) ಸದಸ�� ಾ�ಾಂಶ �ೂಡ�ೕ�ಾದದು� 62,429.00 42,001.00

n) ಸಹ ಸದಸ�ರ �ಾ�ಾಂಶ �ೂಡ�ೕ�ಾದದು� 19,985.00 12,031.00

o) �.�.ಎ�. 2,850,974.00 2,008,956.00

p) ಆ�ಾಯ �� 1,650,000.00 1,200,000.00

q) �ಬ�ಂ� �ೂೕನ� �ೂಡ�ೕ�ಾದದು� 250,000.00 250,000.00

r) ಇತ� ಜ�ಾ�ಾ��ಗಳು 13,000.00 13,000.00

s) �ಬ�ಂ� �ೕಮ�ಾ� �ಚ� (�ೕಸ�ಾ�) 8,000.00 8,000.00

t) ��.�ಎ�.�. ಅವ� �ೕ�ದ �ಕು�ಗಳು 232,401.00

u) ಅವ� �ೕ�ದ �ಾ�ಂಕ�� 542,126.86

8,377,597.80 8,377,597.80 �ತ�

10.�ಾಭ ಮತು� ನಷ� �ಾ�

�ಾ�ಾಂಶ ಕ�ದ �ಾ�� 12,616,334.29

ಕ�ದ �ಾ�ನ ��ೕ�ಾ� 12,616,334.29

�ವ�ಳ �ಾಭ 2017-18 �ಾ�� 18,311,317.00 18,311,317.00 12,616,334.29


31.03.2018 �� ಇದ�ಂ�

31.03.2017 �� ಇದ�ಂ�


33

e) ಗೃಹ CqÀªÀiÁ£ À �ಾಲ 3562726.00 2,550,228.00

f) ��ೕಶ ��ಾ��ಾ�ಸ �ಾಲ 5085369.00 3,602,057.00

ಗ) �ಾ�� ಖ�ೕ� �ಾಲ 33224069.00 26,144,266.00

iv) �ಬ�ಂ� ಮುಂಗಡಗಳು

a) �ಬ�ಂ� ಕ�ಾ�ಣ �ಾಲ 160,352.00 93,538.00

b) �ಬ�ಂ� �ಾಲ 1179090.00 1,273,366.00

c) �ಬ�ಂ� �ಾಹನ �ಾಲ 284748.00 323,270.00

d) �ಬ�ಂ� ಹಬ�ದ ಮುಂಗಡ 11,500.00 8,500.00

e) �ಬ�ಂ� ��ಚಕ� �ಾಲ 59132.00 24,921.00

�ತ� 1,125,222,326.00 1,125,222,326.00

6. ಬರ�ೕ�ಾದ ಬ��

a) ಸ�ಾ�� ಹೂ��ಗಳ �ೕ� 5196001.00 5,534,146.00

b) ¸ÀÄ¹Û ಬ�� 247,177.00 168,125.00 (PÁAmÁæ)

5,443,178.00 5,443,178.00 �ತ�

7. 1683259.11 136,082.00 ಬರ�ೕ�ಾದ �ಲು�ಗಳು (PÁAmÁæ)

8. 3,100.00 3,100.00 ��ೕಶನ ಮತು� ಕಟ�ಡ

9. ¦ÃoÉÆÃ¥ÀPÀgÀt ªÀÄvÀÄÛ ªÀÄgÀªÀÄÄlÄÖUÀ¼ÀÄ

ಪ�ಸು�ತ �� 2,923,741.00

ಪ�ಸಕ� �ಾ�ನ ಖ�ೕ� 13,542.36

2,937,283.36 �ತ�

ಪ�ಸಕ� �ಾ�ನ ಸವಕ� 317,175.36

�ತ� 2,620,108.00 2,620,108.00 2,923,741.00

. . . zsÀÈrüÃPÀgÀt ¥ÀvÀæ . . .

F ªÉÄÃ®ÌAqÀ ¢ CPËAmÉAmï d£ÀgÀˉïì D¦üÃ¸ï JA¥Áè¬ÄÃ¸ï PÉÆÃ-D¥ÀgÉÃnªï ¨ÁåAPï °«ÄmÉqï, ¥ÁPïðºË¸ï gÀ¸ÉÛ, ¨ÉAUÀ¼ÀÆgÀÄ, EzÀgÀ D¹Û dªÁ¨ÁÝj vÀBSÉÛAiÀÄ£ÀÄß ¨ÁåAQ£À°è £À£Àß ¥Àj²Ã®£ÉUÉ ºÁdgÀÄ ¥Àr¹zÀ ˉÉPÀÌ ¥ÀÄ¸ÀÛPÀUÀ¼ÉÆA¢UÉ ºÁUÀÆ zÁRˉÁwUÀ¼ÉÆA¢UÉ ¥Àj±ÉÆÃ¢ü¹ vÁ¼É £ÉÆÃrgÀÄvÉÛÃ£É. ¸ÀzÀj D¹Û dªÁ¨ÁÝj vÀBSÉÛAiÀÄÄ £À£Àß ¥Àj±ÉÆÃzsÀ£ÉUÉ ºÁdgÀÄ¥Àr¹zÀ ˉÉPÀÌ ¥ÀÄ¸ÀÛPÀUÀ½UÉ C£ÀÄUÀÄtªÁVAiÀÄÆ, ˉÉPÀÌ ¥Àj±ÉÆÃzsÀ£Á ªÉÃ¼ÉAiÀÄ°è ¤ÃrzÀ ¸ÀªÀÄeÁ¬Ä¶UÀ¼À C£ÀÄ¸ÁgÀªÁVAiÀÄÆ ªÀÄvÀÄÛ CˉÁ¬ÄzÁ ®UÀwÛ¹gÀÄªÀ £À£Àß ¥ÀævÉåÃPÀ ÉPÀÌ ¥Àj±ÉÆÃzsÀ£Á ªÀgÀ¢UÉÆ¼À¥ÀlÄÖ ¢£ÁAPÀ 31.03.2018 PÉÌ ÁåAQ£À £ÉÊd ªÀÄvÀÄÛ ÀàµÀÖ DyðPÀ ¹ÜwAiÀÄ£ÀÄß ¥Àæw©A©¸ÀÄvÀÛzÉAzÀÄ £À£ÀUÉ w½zÀ ªÀÄnÖUÉ C©ü¥ÁæAiÀÄ¥ÀqÀÄvÉÛÃ£É.


31.03.2017 �� ಇದ�ಂ�


34

31.03.2018 �� ಇದ�ಂ�

1,737,114,147.21 1,671,273,244.95ಜು�ಾ�


31.03.2018 �� ಇದ�ಂ�

31.03.2017 �� ಇದ�ಂ�


ÀÜ¼À : ¨ÉAUÀ¼ÀÆgÀÄ ¢£ÁAPÀ : 08-08-2018

ˉÉQÌUÀgÀÄ(²ªÀtÚ)

PÁAiÀÄðzÀ²ð(¸ÀÄªÀÄ .JA)

DAvÀjPÀ ˉÉPÀÌ¥Àj±ÉÆÃzsÀPÀgÀÄ(¸ÀÄªÀÄ .©.J¸ï)

DAvÀjPÀ ˉÉPÀÌ¥Àj±ÉÆÃzsÀPÀgÀÄ (gÁWÀªÉÃAzÀæ. .J¸ï)

G¥ÁzsÀåPÀëgÀÄ(²æÃ¤ªÁ¸À£ï .©)

CzsÀåPÀëgÀÄ (G¤ßPÀÈµÀÚ£ï.J)

35

. .ಎಂ � �ೕಕ� & �ೂೕ ಪರ�ಾ�

�ಾಟ�� ಅ�ಂ�೦� . .(ಎಂ � �ೕಕ�)

:�ಾ�ೕಕರು ಸದಸ�ತ� ಸಂ�� 029555

10. ಗಣಕ ಯಂತ�

ಪ�ಸು�ತ �� 176,276.00

ಪ�ಸಖ� �ಾ�ನ ಖ�ೕ� 5,275.00

181,551.00 �ತ�

ಪ�ಸಕ� �ಾ�ನ ಸವಕ� 110,611.00

70,940.00 70,940.00 176,276.00 �ತ�

12. 377,244.00 377,244.00 �� ಾ� (PÁAmÁæ)

13. ಇತ� ಆ��ಗಳು

a) �ೕಖನ �ಾಮ�� ಾ�ಾ�ನು 167327.00 93,490.00

b) ದೂರ�ಾ� �ೕವ� 600.00 600.00

c) ಆ�ಾಯ �� ಮುಂಗಡ (ಬರ�ೕ�ಾದದು�) 559,811.00 559,811.00

d) ಎ.�.ಎ�. ಮುಂಗಡ 200,000.00 190,000.00

e) �� ಮುಂಗಡ 52,923.00 109,150.00

f) ಎ�.�.ಎ�.�. �ಾ� �ಾ� 294.02

f) �..�.ಎ�.�. �ಾ� �ಾ� 294.02

f) ಐ.�.ಎ�.�. �ಾ� �ಾ� 51551.26

1032800.30 1,032,800.30 �ತ�

12. �ಾ� �ಾ�ಂ�ಂ� ಆ��ಗಳು

1,737,114,147.21 1,671,273,244.95 ಜು�ಾ�

THE ACCOUNTANT GENERAL’S OFFICE EMPLOYEES’ BALANCE SHEET AS ON

CAPITAL AND LIABILITIES AS ON 31.03.2018

AS ON 31.03.2017

1 CAPITAL

I Authorised share capital 100,000,000.00 100,000,000.00

II Subscribed Share capital

a) Regular members 71,833,800.00 66,011,600.00

b) Associate members 3,804,700.00 3,507,500.00

c) Nominal members 63,650.00 59,400.00

d) Retired members 21,875.00 21,875.00

TOTAL 75,724,025.00 75,724,025.00

2 RESERVE FUND

& OTHER RESERVES

a) Statutory Reserve Fund 36,205,676.04 32,995,794.75

b) Building Fund 12,967.23 12,967.23

c) Dividend Equalisation Fund 784,980.27 531,191.27

d) Bad & Doubtful Fund 5,069,198.19 3,307,561.19

e) Erosion of Assets Fund 418,173.32 336,115.32

f) Surety Relief Fund 2,528,960.00 2,107,323.00

g) Medical Relief Fund 7,142,439.00 6,652,866.00

h) Charity Fund 257,477.56 257,477.56

i) Death Relief Fund (members) 15,276,801.30 12,514,684.00

j) Death Relief Fund (Associate members) 1,152,739.00 1,246,590.00

j) Reserve for Standard Assets 4,548,258.15 4,248,258.15

k) Staff Welfare Fund 640,512.69 627,412.69

l) Jubilee Fund 490,277.34 490,277.34

m) Members Welfare Fund 974,008.00 974,008.00

n) Investment Fluctuation Reserve Fund 2,689,927.77 2,230,913.77

o) Investment Depreciation Reserve 6,621,425.80 6,003,750.00

p) Investment Dep Res First leasing 5,000,000.00 5,000,000.00

q) Death fund (Net profit appropriation) 29,593.00 29,593.00

r) Special Reserve IT under 36(i)(viii) 1,580,000.00 980,000.00

91,423,414.66 91,423,414.66

36


31ST MARCH 2018

PROPERTY & ASSETS AS ON 31.03.2018

AS ON 31.03.2017

1 CASH ON HAND 12,643,130.00 9,172,098.00

2 BALANCE WITH OTHER BANKS

a) KSC Apex Bank 53597737.71 52,843,090.94

b) State Bank of India 837321.46 2,776,064.96

c) BDCC Bank 9250.00 9,250.00

d) HDFC Bank 614083.87 2,729,448.56

c) Kotak Mahindra Bank 4006751.34 2,421,056.75

d) HDFC Bank AT.M. Account 4589287.19 2,572,115.51

e) Vijaya Bank 582690.23 582,685.23

f) Shyam Rao Vittal Coop Bank Ltd CA 49940.00 900,000.00

g) Reserve Bank of India 100000.00

TOTAL 64,387,061.80 64,387,061.80

3 MONEY AT CALL & SHORT NOTICE

HDFC Bank call money deposit 5,000,000.00 5,000,000.00

4 INVESTMENTS

I) In Central Govt Securities

Face value 217,500,000.00

Book value 212,017,000.00 212,017,000.00 250,118,000.00

Market value (as on 31.03.18) 211,872,750.00

ii) In State Govt Securities

Face value 208,830,000.00 2 08,830,000.00 168,830,000.00

Book value 208,830,000.00

Market value (as on 31.03.18) 207,374,000.00

iii) In other securities

RFD with Apex Bank 2,700,000.00 2,700,000.00

FD with Apex Bank 45,000,000.00 5,000,000.00

37



AS ON 31.03.2017

3 DEPOSIT & OTHER ACCOUNTS

a) Savings Deposit 292399662.86 282,984,935.88

b) Non operative SB Account 5591426.47 6,267,800.93

c) Savings Bank Dead Accounts 3771122.79

c) Current Account 354859.47 629,390.16

d) Non operative Current Deposit 31326.38 30,677.38

e) Fixed Deposit 276085745.30 305,564,096.50

f) Matured Fixed Deposit 16214.00 1,069,423.00

g) Money Multiple Certificate 639978846.80 594,985,406.00

h) Money Multiple Certificate (matured) 1410866.99 2,205,248.09

i) Recurring Deposit 13898192.40 14,828,594.20

j) Recurring Deposit (matured) 428587.20 684,415.20

k) Mutual Benefit Scheme 193566874.64 189,636,160.94

l) Mutual Benefit Scheme (matured) 62996.00 62,996.00

m) Death Relief Fund 35841985.64 33,295,121.80

n) Death Relief Fund (matured) 3586.00 3,785.00

o) Staff Security Deposit 22250.00 27,250.00

p) Dhanavarsha Cash Deposit 16333910.20 14,976,135.20

q) Dhanavruddhi recurring deposit 57158763.70 44,024,965.10

TOTAL 1,536,957,216.84 1,536,957,216.84

4 BORROWINGS

5 BILLS FOR COLLECTION (Contra) 1,683,259.11 136,082.00

6 OVERDUE INTEREST RESERVE (Contra) 247,177.00 168,125.00

7 INTEREST PAYABLE ON DEPOSITS 4,012,895.80 4,694,036.50

8 DEAF ACCOUNT (CONTRA) 377,244.00 377,244.00

38


31ST MARCH 2018


AS ON 31.03.2017

FD with HDFC Bank 2,500,000.00 2,500,000.00

iv) Shares in Coop Institution

Shares with BDCC Bank 12,500.00 12,500.00

Shares in KSCF 500.00 500.00

v) Other investments

vi) P.S.U.mutual funds 50,000,000.00

vii) Kotak Mahindra prime Ltd (NCD) 10,000,000.00 10,000,000.00

viii) Tax free bonds 27,571,000.00 27,571,000.00

ix) First Leasing India Ltd 10,000,000.00 10,000,000.00

TOTAL 97,784,000.00 97,784,000.00

5 LOANS & ADVANCES

I Short Term Loans

Loans against deposits 3,500,841.00 1,279,638.00

Short term loans 7694310.00 2,712,337.00

ii) Medium Term Loans

a) Personal loan 787183217.00 721,239,614.00

b) Consumer loan 669,433.00 1,184,102.00

c) Vehicle loan 27,339,223.00 32,584,132.00

d) Two wheeler loan 3616760.00 3,540,918.00

e) Loan against NSC 15,000.00

f) Education loan 35,148,449.00 36,161,066.00

g)Medium term loan 65803977.00 59,459,555.00

h) Foreign travel loan 189100.00 456,220.00

iii) Long Term Loans

a) Site purchase loan 14211501.00 14,950,313.00

b) House Building loan 128356511.00 140,101,558.00

c) House repair loan 176113.00 212,677.00

d) Additional Housing loan 7750905.00 7,361,394.00

39



AS ON 31.03.2017

9 OTHER LIABILITIES

a) Clearing suspense 143,827.00 163,357.00

b) Deposit Suspense 4,736.00 4,308.80

c) Loan suspense 142,120.53 113,271.53

d) Staff Insurance premium 4,263.00 4,253.00

e) Staff Provident fund 36,639.00 39,527.00

f) Staff Profession Tax 2,000.00 2,400.00

g) Audit fee payable 371,800.00 299,250.00

h) General suspense 269,291.92 238,524.92

ij) Bankers cheque suspense 1,459,672.49 7,149,402.26

j) E.S. Supsense 309,581.00 309,581.00

k) Staff Income tax 4,751.00

l) Dividend payable to members 62,429.00 42,001.00

m) Dividend payable to Asste. Members 19,985.00 12,031.00

n) Tax deducted at source 2,850,974.00 2,008,956.00

o) Income tax 1,650,000.00 1,200,000.00

p) Bonus/ex-gratia payable 250,000.00 250,000.00

q) Other liabilities 13,000.00 13,000.00

r) Provision for recruitment of staff 8,000.00 8,000.00

s) HDFC stale cheques 232,401.00

t) Bankers stale cheque suspense 542,126.86

TOTAL 8,377,597.80 8,377,597.80

11 PROFIT & LOSS ACCOUNT

Profit as per last Balance sheet 12,616,334.29

Less appropriation 12,616,334.29

Add: Profit for the year 2017-18 18,311,317.00 18,311,317.00 12,616,334.29

40


31ST MARCH 2018


AS ON 31.03.2017

e) Mortgage loan 3562726.00 2,550,228.00

f) Foreign study loan 5085369.00 3,602,057.00

g) Flat purchase loan 33224069.00 26,144,266.00

iv) Staff advances

a) Staff Welfare advance 160352.00 93,538.00

b) Staff advance 1179090.00 1,273,366.00

c) Staff vehicle advance 284748.00 323,270.00

d) Staff Festival advance 11500.00 8,500.00

e) Staff two wheeler loan 59132.00 24,921.00

TOTAL 1,125,222,326.00 1,125,222,326.00

6 INTEREST RECEIVABLE

a) On Govt. Securities 5196001.00 5,534,146.00

b) overdue interest (contra) 247177.00 168,125.00

TOTAL 5443178.00 5443178.00

7 BILLS RECEIVABLE (CONTRA) 1683259.11 136,082.00

8 LAND AND BUILDING 3100.00 3,100.00

9 FURNITURE & FIXTURES

W.D.Value 2,923,741.00

Additions during the year 13,542.36

Total 2,937,283.36

Less Dep during the year 317,175.36

Net Value 2,620,108.00 2,620,108.00 2,923,741.00

41



AS ON 31.03.2017

We have audited the accounts of The Accountant General's Office employees Cooperative Bank

Ltd, Park House street , Bangalore 560 001 for the year 2017-18, we have obtained all the

information and explanation which to the best of our knowledge and belief were necessary for the

purpose of our Audit and we found them to be satisfactory. In our opinion and to the best of our

knowledge according to the explanation given to us and subject to the observation contained in

our detailed Audit report appended herewith the Balance sheet and Profit & Loss account of the

Bank dealt with by this report gives a true and fair view of the state of affairs of the Bank as on 31st

March 2018.

-: CERTIFICATE :-

GRAND TOTAL 1,67,12,73,244.95 1,53,78,71,258.37

42


31ST MARCH 2018


AS ON 31.03.2017

Unnikrishnan A President

M. SumaSecretary

ShivannaAccountant

B.S. SumaInternal Auditor

Raghavendra SInternal Auditor

B. Sreenivasan Vice-President

Place: BangaloreDate : 08.08. 2018

11 COMPUTERS

W.D.Value 176,276.00

Additions during the year 5,275.00

Total 181,551.00

Less Dep during the year 110,611.00

Net Value 70,940.00 70,940.00 176,276.00

12 DEAF ACCOUNT (CONTRA) 377,244.00 377,244.00

13 OTHER ASSETS

a) Stock of stationery 167327.00 93,490.00

b) Telephone deposit 600.00 600.00

c) Advance Income tax (Refundable) 559811.00 559,811.00

d) Advance to ATM 200000.00 190,000.00

e) Prepaid Insurance 52923.00 109,150.00

h) SGST input 294.02

i) CGST input 294.02

j) IGST input 51551.26

TOTAL 1,032,800.30 1,032,800.30

13 NON-BANKING ASSETS

ACQUIRED IN SATISFACTION

OF CLAIMS

GRAND TOTAL 1,737,114,147.21 1,671,273,244.95

For M C SHEKAR & CO Chartered Accountants

(M C SHEKAR ) Proprietor

M No: 029555

43

ˉÉPÀÌ ¥Àj±ÉÆÃzsÀ£Á ªÀgÀ¢

¢ CPËAmÉAmï d£ÀgÀˉïì D¦üÃ¸ï JA¥Áè¬ÄÃ¸ï PÉÆÃ-D¥ÀgÉÃnªï ¨ÁåAPï °«ÄmÉqï, ¥ÁPïðºË¸ï gÀ¸ÉÛ, ÉAUÀ¼ÀÆgÀÄ - 560001. EzÀgÀ JˉÁè ÀzÀ¸ÀågÀ UÀªÀÄ£ÀPÉÌ :-

£ÁªÀÅ CPËAmÉAmï d£ÀgÀˉïì D¦Ã¸ï JA¥Áè¬ÄÃ¸ï PÉÆÃ-D¥ÀgÉÃnªï ¨ÁåAPï °«ÄmÉqï, ¥ÁPïðºË¸ï gÀ¸ÉÛ, ÉAUÀ¼ÀÆgÀÄ - 560001. EzÀgÀ 31-03-2018 gÀ°èzÀÝAvÉ D¹Û dªÁ¨ÁÝj vÀBSÉÛ ºÁUÀÆ ®UÀwÛ¹gÀÄªÀ Á¨sÀ-ºÁ¤ vÀBSÉÛUÀ¼À ÉPÀÌ ¥Àj±ÉÆÃzsÀ£É ªÀiÁrzÀÄÝ £ÀªÀÄä C©ü¥ÁæAiÀÄUÀ¼ÉÆA¢UÉ ®UÀwÛ¹gÀÄvÉÛÃªÉ.

1. ˉÉPÀÌ¥Àj±ÉÆÃzsÀ£É PÁ®zÀ°è CªÀ±ÀåPÀªÁV ¨ÉÃPÁzÀAvÀºÀ J®è ªÀiÁ»wUÀ¼À£ÀÄß ºÁUÀÆ «ªÀgÀuÉUÀ¼À£ÀÄß ¥ÀqÉ¢gÀÄvÉÛÃªÉ.

2. £ÀªÀÄä w¼ÀÄªÀ½UÉ §AzÀAvÀºÀ ¸ÀzÀj ¨ÁåAQ£À ªÀåªÀºÁgÀUÀ¼ÀÄ ¨ÁåAQ£À PÁ£ÀÆ£ÀÄ ºÁUÀÆ C¢üPÁgÀ ªÁå¦ÛUÀ½UÀÄtªÁVgÀÄwÛzÉ.

3. ¸ÀzÀj ÁåAQ£À JˉÁè ÉPÀÌ¥ÀvÀæUÀ¼À£ÀÄß ¥Àj±ÉÆÃzsÀ£É ªÀiÁrzÀÄÝ CªÀgÀÄ PÁ£ÀÆ¤£À ¥ÀæPÁgÀ EqÀ¨ÉÃPÁzÀAvÀºÀ ˉÉPÀÌ ¥ÀÅ¸ÀÛPÀUÀ¼À£ÀÄß EnÖgÀÄªÀÅzÀÄ RavÀ¥Àr¹PÉÆArzÉ.

4. D¹Û dªÁ¨ÁÝj vÀBSÉÛ ºÁUÀÆ Á¨sÀ-ºÁ¤ vÀBSÉÛUÀ¼ÀÄ ÉPÀÌ ¥ÀÅ¸ÀÛPÀUÀ½UÉ C£ÀÄUÀÄtªÁVgÀÄvÀÛªÉ.

5. vÀªÀÄä C©ü¥ÁæAiÀÄzÀ°è £ÀªÀÄUÉ MzÀV¹zÀ ªÀiÁ»w ªÀÄvÀÄÛ «ªÀgÀuÉAiÀÄ ¥ÀæPÁgÀ ÀzÀj ÁåAQ£À ÉPÀÌ ¥ÀvÀæUÀ¼ÀÄ ¸ÀºÀPÁj ¨ÁåAPÀÄUÀ¼ÀÄ PÉÆqÀ¨ÉÃPÁzÀ JˉÁè ªÀiÁ»wUÀ¼À£ÀÄß M¼ÀUÉÆArgÀÄvÀÛzÉ. ¸ÀzÀj ˉÉPÀÌ¥ÀÅ¸ÀÛPÀUÀ¼À DzsÁgÀ¢AzÀ vÀAiÀiÁj¹zÀ 31-03-2018 gÀ°èzÀÝAvÉ D¹Û-dªÁ¨ÁÝj vÀBSÉÛ ºÁUÀÆ ®UÀwÛ¹gÀÄªÀ vÀBSÉÛAiÀÄÄ £ÉÊd ¹ÜwAiÀÄ£ÀÄß vÉÆÃj¸ÀÄvÀÛzÉ.

¨ÉAUÀ¼ÀÆgÀÄ¢£ÁAPÀ : 08-08-2018

JA.¹. ±ÉÃPÀgï & PÀAZÁlðqïð CPËAmÉAmïì

JA.¹. ±ÉÃPÀgïªÀiÁ°ÃPÀgÀÄ

JA.¹. ±ÉÃPÀgï & PÀAZÁlðqïð CPËAmÉAmïì

JA.¹. ±ÉÃPÀgïªÀiÁ°ÃPÀgÀÄ

44



Disclosure of informa�on forming part of the Balance Sheet as on 31/03/2018:(vide cicular No: UBD.CO.BPD(PCB)No.20/16.45.00/2002‐03 Dated: October 30,2002)

1. Capital to Risk Weight Asset Ra�o (CRAR) as on 31/03/2018 : 11.30%

2. Movement of CRAR i.e., CRAR as on Balance Sheet Date for the current year vis‐à‐vis Previous Year Par�culars AS ON 31/03/2017 AS ON 31/03/2018 Increase CRAR 10.30% 11.30% 1%

3. Investments (In Crores) (a) Book Value of Investments 42.08 Lakhs (b) Face value of Investments 42.63 Lakhs (c) Market Value of Investments 41.92 Lakhs

© Details of Issuer Composi�on of Non‐ SLR investments and non‐performing non‐SLR investments.(UBD.CO.BPDD.(PCB) Cir.No.45/16.20.00/2003‐04 Dated April 15, 2004, and BD.(PCB).BPD.Cir.No.14/16.20.00/2007‐08) dated September 18, 2007)

Issuer Composi�on of Non‐SLR Investments: (Rs. in Crore)

Extent of ' rated

Securi�es

Extent of ' Unrated

Securi�es

Extent of Below Investments grade

Securi�es'

No Amount

1 2 3 4 5 6

1 PSUs 0.00 0.00 0.00 0.00

2 FIs 0.00 0.00 0.00 0.00

3 Public Sector Banks 0.25 0.00 0.00 0.00

4 Mutual Funds 5.00 0.00 0.00 0.00

5 Others‐ Non Conver�ble

Debentures 2.00 1.00 0.00 1.00

6 Provision Held towards

Deprecia�on 0.50 0.00 0.00 0.00

Issuer

45

Non Performing Non SLR Investment

IV) Advances against real estate, construc�on business, housing : Rs. Lakhs

V) Advances against shares & Debentures : NIL

VI) Advances to Directors, their rela�ves, companies / Firms in which they are interested: Rs. Lakhs

A Fund ‐ BasedRs. ` 166.24 Lakhs

B Non‐ Fund based ( Gurantees,L/C, etc,)

TOTAL ` 166.24 Lakhs

VII) Cost of Deposits : Average cost of Deposits : 7.04 %

VIII) NPAs:

IX. Movement in NPA i.e., Gross and net NPA as on Balance sheet date for the current year via‐a‐vis previous year. Net NPAs should be arrived at a�er deduc�ng provisions held, interest suspense account etc.,

a) Gross NPA s ` 26.30 ` 45.20 (18.90)

b) Provisions Held ` 50.69 ` 33.08 (17.61)

c) Net NPA s NIL ` 12.12

As on 31/03/2018(In Lakhs)

As on 31/03/2017(In Lakhs)

Increase(Decrease)

Par�culars Amount (In Crore)

Advance against Real Estate

Advance against Construc�on Business

Advance against Housing 1730.70 Lakhs

TOTAL ` 1730.70 Lakhs

A Gross NPA s ` 26.30 Lakhs

B Net NPA s NIL

Opening Balance 1.00 st

Addi�ons during the year since 1 April

Reduc�on during the above period

Closing Balance 1.00

Total Provisions held 0.50

46

X. Profitability :

a) Interest income as a percentage of working funds 8.47%

b) Non‐Interest income as a percentage of working funds 0.15%

c) Opera�ng profit as a percentage of working funds 1.42%

d) Return on Assets 0.94%

e) Business (Deposits + Advances) per employee ` 2662.17 Lakhs

f) Profit per employee ` 18.31 Lakhs

XI. Provisions made towards NPSs, Deprecia�on in investments, Standard Assests.

Provisions Towards NPA,s ` 50.69 Lakhs

Provision towards Investment Deprecia�on ` 66.21 Lakhs

Provision against Standard Assets ` 45.48 Lakhs

XII. Movement in provisions: [i.e., Provisions as on Balance Sheet date for the current year (e.g. March 31,2017 vis‐à‐vis previous year(e.g. March 31, 2016).]

(Rs. In Lakhs)

AS on31/03/2018

AS on31/03/2017

Increase

a) Provision Towards NPAs ` 50.69 ` 33.08 17.61

b) Provision towards Deprecia�on on Investments ` 66.21 ` 60.03 6.18

c) Provision towards standard Assets ` 45.48 ` 42.48 3

XIII. Foreign Currency Assets & Liabili�es : (if Applicable) : Nil

XIV. Payment of DICGC Insurance Premium : ` 16,74,985 (Total)

Premium of ` 8,67,001/‐ paid in advance for the year ended 30.09.2017 on 25.04.2017 andPremium of ` 8,07,984/‐ paid in advance for the half year ended 31.03.2018 on 30.10.2017

Arrears if any : NIL

47

XV. Penalty imposed by RBI : Nil

XVI. Restructured Accountsst There is no restructured advance accounts as on 31 March 2018.

XVII. Fixed Assets – Valua�on /Revalua�on: No Fixed assets have been revalued and there is no change in method of deprecia�on

XVIII. Con�ngent Liabili�es – Others Amount transferred to and reimbursed from Depositors Educa�on and Awareness Fund (DEAF)

Opening Balance of amounts transferred to DEAF 0.03 0.03

Add: Amounts transferred to DEAF during the year NIL NIL

Less: Amounts reimbursed from DEAF towards claims NIL NIL

Closing Balance of amounts transferred to DEAF 0.03 0.03

Par�culars Current Year Previous Year

Amount in Crores

Note:

As required under section 27A of The Karnataka Co-operative Societies Act, members are requested to attend at least 3 out of the last 5 Annual General Meeting (2014-19)

48


2017-2018 £ÉÃ ¸Á°£À ¤ªÀé¼À ˉÁ¨sÀzÀ «ˉÉÃªÁj

1,83,11,317

D¥ÀzÀÝ£À ¤¢ü

Reserve Fund

¸ÀºÀPÁgÀ ²PÀët ¤¢ü

Co-Operative Education Fund

ªÀÄºÁªÀÄAqÀ¼ÀPÉÌ ªÀAwUÉ

Urban Banks Federation

«vÀgÀuÉUÁV ®¨sÀå «gÀÄªÀ ªÉÆvÀÛ

Amount available for distribution

1

2

3

4

45,77,829

2,74,670

1,34,588

1,33,24,230

MlÄÖ Total

2017-2018

¤ªÀé¼À ˉÁ¨sÀ

Net Profit - 1,83,11,317

49

Proposed dividend 16% and balalnce is proposed to transferred toStaff Retirement Relief Fund subject to approval of the August Body.

¥Àæ¸ÁÛ«vÀ r«qÉAqï 16% vÀzÀ£ÀAvÀgÀ G½zÀ UÀ½PÉAiÀÄ£ÀÄß ¹§âA¢ ¤ªÀÈwÛ ¥ÀjºÁgÀ ¤¢üUÉ ªÁ¶ðPÀ ªÀÄºÁ¸À¨sÉAiÀÄ CAVÃPÁgÀzÀ £ÀAvÀgÀ ªÀUÁð¬Ä¸ÀˉÁUÀÄªÀÅzÀÄ.


1 ¸ÀzÀ¸ÀågÀ ¸ÀASÉå

2 ¥ÁªÀwAiÀiÁzÀ µÉÃgÀÄ §AqÁªÁ¼À

3 ¤gÀAvÀgÀ oÉÃªÀuÉ

4 ¥ÀgÀ¸ÀàgÀ ¸ÀºÁAiÀÄ ¤¢ü

5 G½vÁAiÀÄ SÁvÉ

6 ¤²ÑvÀ, JA.JA.¹. ªÀÄvÀÄÛ

zsÀ£ÀªÀµÀð oÉÃªÀtÂ

7 EvÀgÉ oÉÃªÀtÂ

8 ªÉÊAiÀÄÄQÛPÀ ¸Á®

9 UÀÈºÀ ¤ªÀiÁðt ¸Á®

10 CˉÁàªÀ¢ü, ªÀÄzsÀåªÀiÁªÀ¢ü ªÀÄvÀÄÛ

«zÉÃ² ¥ÀæAiÀiÁtPÉÌ Á®

11 §¼ÀPÉ ¸Á® ªÀÄvÀÄÛ «zÁå¨sÁå¸À ¸Á®

12 ªÁºÀ£ÀUÀ¼À ªÉÄÃ°£À ¸Á®

13 oÉÃªÀtÂUÀ¼À ªÉÄÃ°£À ¸Á®

14 ¤¢ü ªÀÄvÀÄÛ EvÀgÉ ¤¢ü

15 Á®UÀ¼ÀÄ, UÀÄAvÁ¬ÄUÀ¼À ªÉÄÃ°£À §rØ

16 oÉÃªÀtÂUÀ¼À ªÉÄÃ°£À §rØ

17 ¹§âA¢ RZÀÄð

18 ¤ªÀé¼À ˉÁ¨sÀ

19 ºÀÆrPÉUÀ¼ÀÄ

20 MlÄÖ ªÀ»ªÁlÄ

21 Á¨sÀzÀ ºÀAaPÉ

1644 1582 1529 1576

561.40 612.91 696.00 757.24

345.80 478.53 595.42 714.81

1795.13 1903.13 1896.99 1936.29

2241.06 2503.01 2892.53 3017.62

7214.71 8695.74 9188.00 9338.22

347.43 253.37 339.82 362.58

6442.75 6734.12 7212.40 7871.83

1719.37 1688.70 1913.18 1872.82

282.96 490.23 626.28 736.87

331.10 384.51 373.45 409.04

348.99 346.13 361.50 309.56

35.34 28.69 12.80 35.15

671.24 724.35 805.47 934.23

1180.67 1307.96 1440.54 1470.25

981.37 1087.77 1138.58 1083.30

70.14 65.95 63.49 61.88

68.59 90.65 126.16 183.11

3381.76 4160.47 4767.32 5186.31

114290.77 123377.18 124200.80 125614.70

9% 10.25% 12.50% 16%

¨ÁåAQ£À ªÀ»ªÁn£À vÀÄ®£ÁvÀäPÀ ¥ÀnÖ 2014-15 jAzÀ 2017-18gÀ ªÀgÉUÉ(gÀÆ. ®PÀëUÀ¼À°è)

PÀæªÀÄ.¸ÀASÉå «ªÀgÀ 2014-15 2015-16 2016-17 2017-18

50


PÀæ.¸ÀA. «ªÀgÀ 2017-18£ÉÃ 2017-18£ÉÃ 2017-18£ÉÃ 2018-19£ÉÃ CAzÁdÄ ¸Á°£À ºÉZÁÑzÀ CAzÁdÄ D AiÀÄªÀåAiÀÄ RZÀÄð RZÀÄð DAiÀÄªÀåAiÀÄ

2017-2018£ÉÃ ¸Á°£À DAiÀÄªÀåAiÀÄzÀ ¥ÀnÖ

51

1 š¯©S®¡® îµ±°ªw® …mÖ 105,000,000 102,663,607 107,500,000

2 œ®²mNµS®¡® îµ±°ªw® …mÖ 45,000,000 44,361,610 47,500,000

3 y®äîµ°ý® uÂ®w® î®±q®±Ù Çµ°Š®± uÂ®w® 300,000 466,260 500,000

4 AdÁS®¡® î®¾¯Š®hv0u® 30,000 26,831 25,000

5 Cq®Šµ Bu¯‡®± 400,000 2,273,694 500,000

150,730,000 149,792,002 156,025,000 1 jµ°î®pS®¡® îµ±°ªw® …mÖ 118,000,000 108,330,308 110,000,000

2 ›…à0v QX®±Á 8,000,000 6,188,734 8,500,000

3 z°jµ²°y®N®Š®o 50,000 13,542 50,000

4 300,000 5,275 300,000 N®0y®½ãhŠ¬/ ಎ.�. ಎಂ

5 10,000 6,660 10,000 „¯mSµ,Bl®¢q® QX®±Á

6 350,000 262,253 300,000 š¯vŒ¯æŠ®± î®±q®±Ù y®‡®¾¯o „Â®qµã

7 200,000 104,447 200,000 î®±±u®äo î®±q®±Ù Œµ°Qw® š¯î®±Tä

8 175,000 111,250 175,000 b¯Ÿ°Š¯q®±

9 100,000 80,999 100,000 u®²Š®î¯p î®±q®±Ù A0Xµ îµX®Ï

10 450,000 306,926 450,000 î®±œ¯š®„Âµ QX®±Á

11 550,000 427,786 450,000 C¡®±î®‹

12 2,000,000 1,842,589 2,000,000 „¯ã0N¬ ïîµ±

13 660,000 516,800 600,000 ŒµN®Êy®‹ýµ²°uÂ®w¯ ý®±©Ê

14 75,000 44,423 75,000 N®0y®½ãhŠ¬ Œµ°Qw® š¯î®±Tä

15 î¯™ÁN® îµ±°ªæX¯Š®nµS¯T/ /N®0y®½ãhŠ¬ 600,000 665,900 65,900 700,000 ಎ.�.ಎಂ

16 50,000 12,599 25,000 ‹yµ°‹ î®±q®±Ù xî®Áœ®nµ

17 600,000 877,206 277,206 90,000 Cq®Šµ QX®±Á

18 10,000 1,000 10,000 N¯w®²w®± îµX®Ï

19 430,000 - - �ಾ�ಂ� ನ�ೕಕರಣ 20 30,000 15,235 30,000 Bl®¢q® î®±0l®¢ QX®±Á

21 �ಬ�ಂ�� ೕಮ�ಾ� �ಚ� 300,000

22 ಚು�ಾವ�ಾ �ಚ� 100,000

23 �ೖ� �ಚ�ಗಳು 200,000

132,640,000 119,813,932 343,106 124,665,000

DzÁAiÀÄ

RZÀÄð



2017 - 2018

LOANS - ` 11252.22 Lakhs

7871.83

6.70

309.56

1872.82

35.15

734.98

402.34

16.95

1.89

9338.22

1936.29

3017.62

714.81

362.58

DEPOSITS - ` 15369.52 Lakhs

1

1. Personal Loan .....

2. Consumer .....

3. Vehicle .....

4. House Building .....

5. Loan on Deposit .....

6. Short Term/MTL .....

7. Education .....

8. Staff .....

9. Others .....

98

7 6 5

4

3

2

1

54

3

2 1. FD / MMC / DCD .....

2. MBS .....

3. SB .....

4. RD .....

5. Others .....

52

14-15

68.59

90.65

126.16183.11

15-16 16-17 17-18

1644 1582 1529 1576

14-15 15-16 16-17 17-1813-1412-1311-1210-1109-1008-09

2025

19291839

17971662 1659

13-1412-1311-1210-1109-1008-09

28.1528.69

46.40 43.19

50.30

15.62

14-15 15-16 16-17 17-1813-1412-1311-1210-1109-1008-09 14-15 15-16 16-17 17-1813-1412-1311-1210-1109-1008-09

9178.519695.57

10552.64

11252.12

3745.13

4527.62

5119.695913.70

7103.608255.99

11944.13

13834.01

14912.76

15369.50

5860.73

7366.75

7704.118329.80

9711.10

11091.49

MEMBERSHIP NET PROFIT

LOANS DEPOSIT

(In Lakhs)

(In Lakhs)

53

1. ¸Á®zÀ PÀAvÀÄUÀ¼À£ÀÄß PÁ®PÁ®PÉÌ ªÀÄgÀÄ¥ÁªÀw ªÀiÁqÀ¨ÉÃPÀÄ. ¸Á®zÀ PÀAvÀÄUÀ¼ÀÄ ¸ÀPÁ®PÉÌ ¥ÁªÀwAiÀiÁUÀzÉ EzÀÝ°è ¸Á®UÁgÀ¤UÁUÀ°, eÁ«ÄÃ£ÀÄzÁgÀ¤UÁUÀ° ¸Á®zÀ PÀAvÀÄUÀ¼À ªÀÄgÀÄ¥ÁªÀwAiÀiÁUÀÄªÀªÀgÉUÉ EvÀgÉ ¸Ë®¨sÀåzÉÆgÉPÀÄªÀÅ¢®è.

2. ¸ÁªÀiÁ£ÀåªÁV ¸Á®zÀ PÀAvÀÄUÀ¼ÀÄ ¸ÀÄ¹ÛAiÀiÁzÀ°è ªÀ¸ÀÆˉÁwUÁV ¸ÀÆZÀ£Á ¥ÀvÀæªÀ£ÀÄß PÀ¼ÀÄ»¸ÀˉÁUÀÄªÀÅzÀÄ. ¸ÀÆZÀ£Á ¥ÀvÀæ vÀ®Ä¥ÀzÉÃ EzÀÝgÀÆ Á®UÁgÀ£ÀÄ vÀ£Àß ºÉÆuÉUÁj¬ÄAzÀ vÀ¦à¹PÉÆ¼Àî®Ä ÁzsÀå«®è.

3. 3 PÀAvÀÄUÀ½VAvÀ ºÉZÀÄÑ ¸ÀÄ¹ÛAiÀiÁVzÀ°è ¨ÁQ EgÀÄªÀ PÀAvÀÄUÀ¼À ªÉÄÃˉÉ ±ÉÃPÀqÁ 2 gÀAvÉ ¸ÀÄ¹Û §rØAiÀÄ£ÀÄß «¢ü¸ÀˉÁUÀÄªÀÅzÀÄ ºÁUÀÆ ªÀ¸ÀÆˉÁwUÁV ÀºÀPÁj PÁ£ÀÆ£ÀÄ 1956 PÀ®A 64 gÀ°è zÀvÀÛªÁzÀ C¢üPÁgÀzÀAvÉ ªÀ¸ÀÆˉÁw PÀæªÀÄ dgÀÄV¸ÀˉÁUÀÄvÀÛzÉ.

4. ¸Á® ¸ÀÄ¹ÛAiÀiÁzÀ°è eÁ«ÄÃ£ÀÄzÁgÀgÀ ªÉÄÃˉÉ JˉÁè jÃwAiÀÄ ªÀ¸ÀÆˉÁwAiÀÄ PÀæªÀÄ dgÀÄV¸ÀˉÁUÀÄªÀÅzÀÄ. eÁ«ÄÃ£ÀÄzÁgÀjUÉ EzÀjAzÁUÀÄªÀ C£Á£ÀÄPÀÆ®PÉÌ ÁåAPÀÄ dªÁ¨ÁÝjAiÀiÁUÀÄªÀÅ¢®è.

5. ¸ÀÆZÀ£Á ¥ÀvÀæªÀ£ÀÄß PÁ® PÁ®PÉÌ ¥ÀjÃQë¹, £ÀÆå£ÀvÉUÀ¼ÉÃ£ÁzÀgÀÆ UÀªÀÄ¤¹zÀ°è ¸ÀA§AzsÀ¥ÀlÖ C¢üPÁjUÀ¼À UÀªÀÄ£ÀPÉÌ vÀAzÀÄ DVAzÁUÉÎ Àj¥Àr¹PÉÆ¼Àî¨ÉÃPÀÄ.

¸Á®UÁgÀ dªÁ¨ÁÝj ªÀÄvÀÄÛ PÀvÀðªÀåUÀ¼ÀÄ

1. ¥ÀæwAiÉÆ§â eÁ«ÄÃ£ÀÄzÁgÀ£ÀÄ ¨ÁåAQ£À ¸Á®zÀ ºÀtPÉÌ ¸Á®UÁgÀµÉÖÃ dªÁ¨ÁÝgÀ£ÁVgÀÄvÁÛ£É, ¸Á®UÁgÀ£À ¨ÁQ ªÀ¸ÀÆˉÁwUÁV eÁ«ÄÃ£ÀÄzÁgÀgÀ ªÉÄÃˉÉ £ÉÃgÀªÁzÀ ªÀ¸ÀÆ° PÀæªÀÄ dgÀÄV¸ÀˉÁUÀÄªÀÅzÀÄ.

2. eÁ«ÄÃ£ÀÄzÁgÀgÁUÀÄªÀªÀgÀÄ ¸Á®UÁgÀ£À ªÉÊAiÀÄQÛPÀ ¹Üw, ¸Á®zÀ GzÉÝÃ±À ªÀÄvÀÄÛ ¸Á®ªÀ£ÀÄß wÃj¸ÀÄªÀ ±ÀQÛ EªÀÅUÀ¼À£ÀÄß eÁ«ÄÃ£ÀÄzÁgÀgÁUÀÄªÀ ªÀÄÄ£Àß «ZÁj¹PÉÆ¼Àî¨ÉÃPÀÄ .

3. ¸Á®UÁgÀ£ÀÄ ¤UÀ¢AiÀiÁzÀ PÀAvÀÄUÀ¼À£ÀÄß ¥ÁªÀw ªÀiÁqÀÄwÛgÀÄªÀ£ÉÆÃ E®èªÉÇÃ JA§ÄzÀ£ÀÄß «ZÁj¸ÀÄwÛgÀ¨ÉÃPÀÄ. E®èªÁzÀgÉ Á® ºÉÆuÉ eÁ«ÄÃ£ÀÄzÁgÀ£ÀzÁÝVgÀÄvÀÛzÉ JA§ÄzÀ£ÀÄß ªÀÄgÉAiÀÄ¨ÁgÀzÀÄ.

4. ¸ÀÄ¹Û PÀAvÀÄUÀ¼À §UÉÎ ¥ÀvÀæªÀ£ÀÄß ¸ÁªÀiÁ£ÀåªÁV ¸Á®UÁgÀ¤UÉ PÀ¼ÀÄ»¸ÀˉÁUÀÄvÀÛzÉ. DzÀgÉ ¥ÀæwAiÀÄ£ÀÄß eÁ«ÄÃ£ÀÄzÁgÀjUÀÆ PÀ¼ÀÄ»¸ÀˉÁUÀÄªÀÅzÀÄ. MAzÀÄ ªÉÃ¼É eÁ«ÄÃ£ÀÄzÁgÀjUÉ ¸ÀÆZÀ£É ¥ÀvÀæ¤ÃqÀzÉÃ EzÀÝgÀÆ CxÀªÁ ¸ÀÆZÀ£Á ¥ÀvÀæ vÀ®Ä¥ÀzÉÃ EzÀÝgÀÆ ¸ÀºÀ eÁ«ÄÃ£ÀÄzÁgÀ£ÀÄ vÀ£Àß ºÉÆuÉUÁjPÉ¬ÄAzÀ vÀ¦à¹PÉÆ¼ÀîˉÁUÀÄªÀÅ¢®è.

5. ¸Á®UÁgÀ£ÀÄ 3 PÀAvÀÄUÀ½VAvÀ ºÉZÀÄÑ PÀAvÀÄUÀ¼À£ÀÄß ªÀÄgÀÄ¥ÁªÀw ªÀiÁqÀzÉÃ EzÀÝ°è ¸ÀºÀPÁj PÁAiÉÄÝ 1956 PÀ®A 34 gÀ°è zÀvÀÛªÁzÀ C¢üPÁgÀ¢AzÀ eÁ«ÄÃ£ÀÄzÁgÀ£À ¸ÀA§¼À¢AzÀ ªÀ¸ÀÆˉÁw CxÀªÁ eÁ«ÄÃ£ÀÄzÁgÀ£À ªÀÄ£É/PÀbÉÃjªÉÄÃˉÉ PÀæªÀÄ vÉUÉzÀÄPÉÆ¼ÀîˉÁUÀÄªÀÅzÀÄ.

eÁ«ÄÃ£ÀÄzÁgÀgÀ dªÁ¨ÁÝj ªÀÄvÀÄÛ PÀvÀðªÀåUÀ¼ÀÄ

54

RATE OF INTERESTPERIOD

STATEMENT OF INTEREST RATE ON DEPOSITS WITH EFFECT FROM 20/01/2017

30 DAYS

46 DAYS

91 DAYS

181 DAYS

13 MONTHS

19 MONTHS

37 MONTHS

45 DAYS

90 DAYS

180 DAYS

12 MONTHS

18 MONTHS

36 MONTHS

60 MONTHS

4.25%

5.25%

5.75%

6.00%

7.00%

6.25%

6.00%

FOR SENIOR CITIZEN FOR ABOVE 13 MONTHS EXTRA 0.50% & SB RATE OF INTEREST 4.00%

STATEMENT OF INTEREST RATES ON LOANS

LOAN TYPENO OF TIMES

NO OF INSTALMENT

MAXIMUM AMOUNT

ROI FROM01.03.18

OVER ALL LOAN LIMIT : MAXIMUM 75 LAKHS OR 120 TIMES BASIC PAY WHICH EVER IS LESS

PERSONAL LOAN SHORT TERM 40 1,00,000.00 10%MEDIUM TERM 80 2,00,000.00 10%LONG TERM 45 200 17,00,000.00 9.50%

VEHICLE LOAN TWO WHEELER 8 75 2,00,000.00 10%FOUR WHEELER 25 150 12,00,000.00 10%FOUR WHEELER (OLD) 20 85 6,00,000.00 10%

EDUCATIONAL LOAN(Domestic) 150 10,00,000.00 8.25%

EDUCATIONAL LOAN(Foreign) 150 10,00,000.00 9.50%

FOREIGN TRAVEL LOAN 20 50 3,00,000.00 11.50%

HOUSING LOAN CONSTRUCTION / PURCHASE 80 240 40,00,000.00 8.25%FLAT PURCHASE LOAN 80 240 50,00,000.00 8.25%ADDITION / ALTERATION 25 240 5,00,000.00 8.50%REPAIRS / RENOVATION 10 100 2,00,000.00 10%MORTGAGE LOAN 30 120 10,00,000.00 10%SITE PURCHASE LOAN 40 180 25,00,000.00 9.50%

55

¸ÁÜ¥À£É : 1954 ¢ cpËamÉamï d£ÀgÀ¯ïì d¦üÃ¸ï ja¥Áè¬ÄÃ¸ï...

Documents