Janata Sahakari Bank Ltd., Pune (Scheduled Bank) Balance Sheet As at 31/03/ Mar Capital & Liabilities 31 Mar Mar.

Transcription

1 Janata Sahakari Bank Ltd., Pune (Scheduled Bank) Balance Sheet As at 31/03/ Mar Capital & Liabilities 31 Mar Mar Rs. Ps. RS Ps. Rs. Ps. 1. CAPITAL A. Authorised Share Capital 11, [Previous Year 452] A Class Shares of Rs.25/- each 11, ,988, [Previous Year ] B Class Shares of Rs.100/- each 999,988, ,000, ,000,000, B. Subscribed & Paid up Share Capital 445 [Previous Year 445] A Class Shares of Rs.25/- 11, each Fully paid-up 11, [ Previous Year ]B Class Shares of 373,131, Rs.100/- each Fully paid-up 501,887, Share Money Received ,142, ,898, Out of above shares held by 373,137, Individuals 501,898, , Co-op. Institutions State Government Reserve Fund & Other Reserves 118,107, A. Statutory Reserve 120,119, ,800, B. Building Fund 45,800, , C. Dividend Equalisation Fund 395, ,115, D. General Reserve 1,115, ,109,440, E. Bad & doubtful Advances reserve 1,129,285, ,614, F. Contingent provision for Standard Assets 51,030, , G. Charity Reserve 500, , H. Co-operative Promotion Reserve 225, ,831, I. Shareholder Welfare Reserve 3,831, ,683, J. Employee Welfare Reserve (Schd- L1) 2,683, ,300, K. Provision for Investments 115,800, ,500, L. Provision for contingencies 4,500, ,662, M. Prov.for lia.accepted of the amalgamated banks ,166, N. Revaluation reserve 390,300, ,981,340, ,865,584, Principal Subsidiary State 0.00 Partnership Fund Account 2,354,483, Carried Forward 2,367,483, Page 1

2 31 Mar Capital & Liabilities 31 Mar Mar ,354,483, Brought Forward 2,367,483, Deposits & Other Accounts A. Fixed Deposits 13,961,434, i)individuals 16,743,291, ,781,857, ii)central Co-op.Banks ,775, iii)other Co-op.Societies 345,224, ,431,209, Total [A] 17,088,516, B. Savings Deposits 5,455,124, i)individuals 5,437,166, ii)central Co-op.Banks ,070, iii)other Co-op.Societies 68,800, ,526,194, Total [B] 5,505,967, C. Current Deposits 961,412, i)individuals 1,092,649, ,023, ii)central Co-op.Banks 73,902, ,451, iii)other Co-op.Societies 15,855, ,192,887, Total [C] 1,182,407, ,182,407, D. Call Deposit ,585, E. Matured Deposits 679,057, ,721,877, TOTAL DEPOSITS 24,455,948, Borrowings 0.00 A. Borrowings from other Banks/Institutions B. Borrowings under LTD (Tier II Capital) 600,000, ,000, ,888, Bills for Collection being Bills ,286, receivable (As per contra) 185,993, Branch Adjustment A. Overdue Interest Reserve 105,446, On Non-Performing Assets 105,099, ,728,811, B. Unapplied Interest (as per contra) 1,625,040, ,834,258, Total 1,730,140, ,158,501, Carried Forward 29,207,858, Page 2

3 31 Mar Capital & Liabilities 31 Mar Mar ,158,501, Brought Forward 29,207,858, , Deffered tax liability 784, ,278, Interest Payable 55,331, Other liabilities 68,724, A. Bills Payable (Schd - L2) 66,138, B. Dividend Payable ,054, C. Suspense Account (Schd - L3) 3,814, ,162, D. Draft Payable 33,624, ,885, E. Sundry Payables (Schd - L4) 64,903, ,826, Total 168,480, Amalgamated Bank's Collection Account 3,473, A. Ratnagiri Urban Co-op.Bank Ltd. 3,473, ,415, B. Poona Co-op. Bank Ltd. 4,415, ,889, Total 7,889, Operating Profit 26,367,403, Total 29,440,344, Contingent Liabilities 350,733, A. Guarantees issued 376,163, ,578, B. Letter of Credit 15,387, , C. Claims not acknoledged as debts 694, ,006, Total Rs. 392,246, Page 3

4 31 Mar Properties & Assets 31 Mar Mar Cash & Balances with Bank 203,816, A. Cash on hand 217,112, B. Current Accounts with 1,264,313, I. Reserve Bank of India 1,446,520, II. State Bank of India & associates 7,304, i) State Bank of India 8,202, ,482, ii) State Bank of Hyderabad 9,718, , iii) State Bank of Indore 1,116, , iv) State Bank of Bikaner & Jaipur 15, ,854, v) State Bank of Mysore 229, ,584, III. District Central Co-op.Banks 14,582, ,407, IV. State Co-operative Banks 239, C. Fixed Deposits with Banks 60,000, i) M.S.C.Bank Ltd.,Mumbai 60,000, ,000, ii) District Central Co-op.Banks [Out of this, 147,500, Deposits of Rs.1225 Lakhs earmarked for Statutory Reserve] 1,713,058, ,905,236, Balances with Other Banks 78,690, A. Current Account (Schd - A1) 67,965, B. Savings Account ,248, C. Fixed Deposit Account (Schd - A2) 587,315, ,938, ,280, Money at call & short notice Investments A. In Central & State Govt.Securities at book value 7,133,083, SGL 7,781,450, (Face Value Current Year 7,298,267,500/-) (Face Value Previous Year 6,709,178,500/-) (Market Value Current Year 7,739,024,501.70) (Market Value Previous Year 6,996,530,553.30) 7,133,083, Total (A) 7,781,450, ,205,997, Carried Forward 7,781,450, ,560,517, Page 4

5 31 Mar Properties & Assets 31 Mar Mar ,205,997, Brought Forward 7,781,450, ,560,517, B. In Other Trustee Securities 62,530, at book value 61,030, (Face Value Current Year 61,325,000/-) (Face Value Previous Year 62,825,000/-) (Market Value Current Year 69,398,745) (Market Value Previous Year 69,494,372.50) 62,530, Total (B) 61,030, C. In Shares 26,984, i) Co-op. Institutions 26,984, , ii) Maharashtra State Finance Corporation 1, ,985, ,985, D. Other Investments 736,460, i) In Bonds (Schd - A3) 614,906, ,460, Total (D) 614,906, ,959,059, TOTAL INVESTMENTS 8,484,373, Investment out of the Principal/Subsidiary State Fund ,165,056, Carried Forward 11,044,890, Page 5

6 31 Mar Properties & Assets 31 Mar Mar ,165,056, Brought Forward 11,044,890, ADVANCES A. Short Term Loans, Cash-credit, Overdraft & Bills Discounted of which Secured against 130,716, i) Govt. & Other approved Securities 131,034, ,929,147, ii) Other Tangible Securities 5,851,685, ,287, iii) On Personal Sureties 152,179, ,209,151, Total (A) 6,134,899, ,915,434, Due from Individuals 3,976,272, ,165, Overdue Advances 1,109,521, ,544, Bad & Doubtful Advances 830,979, B. Medium Term Loans of which Secured against 63,006, i) Govt. & Other approved Securities 28,261, ,033,844, ii) Other Tangible Securities 3,771,371, ,958, iii) On Personal Sureties 532,327, ,465,809, Total (B) 4,331,961, ,521,440, Due from Individuals 2,567,778, ,413, Overdue Advances 176,544, ,860, Bad & Doubtful Advances 122,584, C. Long Term Loans of which Secured against 4,656, i) Govt. & Other approved Securities 4,750, ,949,348, ii) Other Tangible Securities 4,928,240, ,701, iii) On Personal Sureties 27,596, ,982,705, Total (C) 4,960,586, ,938,110, Due from Individuals 3,598,503, ,182, Overdue Advances 214,712, ,034, Bad & Doubtful Advances 173,221, ,657,666, TOTAL ADVANCES 15,427,446, ,427,446, ,822,722, Carried Forward 26,472,337, Page 6

7 31 Mar Properties & Assets 31 Mar Mar ,822,722, Brought Forward 26,472,337, Interest Receivable 211,179, A. On Investments 213,823, of which overdue Rs.Nil of which Bad & Doubtful of recovery NIL 105,446, B. OIR On Non-performing assets 105,099, ,728,811, C. On Advances - Unapplied Interest (as per Contra) 1,625,040, ,045,437, ,943,963, ,888, Bills Receivable being bills for 54,286, Collection (As per contra) Branch Adjustment 14,679, Premises 26,193, Cost 26,193, Add : Additions 5, ,033, Increase on Account of Revaluation 408,033, Less : Deletions ,226, Total Cost 434,231, Depreciation 4,828, Less : Accumulated Depreciation ,067, : Current Year Depreciation 1,021, ,866, Depreciation on account of Revaluation 8,866, ,762, Total Depreciation 24,650, ,464, Closing Balance 409,581, ,581, A) Dead Stock,Furniture,Fixture,Fittings, Library, Vehicles, Deffered Revenue & Improvement to Premises 154,227, Cost 163,934, ,832, Add : Additions 25,936, ,126, Less : Deletions 605, ,934, Total Cost 189,264, Depreciation 77,201, Less : Accumulated Depreciation 97,812, ,611, : Current Year Depreciation 18,291, ,812, Total Depreciation 116,104, ,160, , B) Capital Work in progress 1,460, ,464, Closing Balance 74,620, ,415,978, Carried Forward 28,969,468, Page 7

8 31 Mar Properties & Assets 31 Mar Mar ,415,978, Brought Forward 28,969,468, Other Assets 8,516, A. Income tax receivable (Net of Provision) 19,107, , B. Suspense Account 248, ,031, C. Deposit with M.S.E.B. 2,014, ,775, D. Stock of Printing & Stationery 2,992, ,338, E. Other Receivables (Schd - A4) 48,927, ,486, F. Unamortised Depreciation on Investments ,356, Total 73,289, Probable loss on account of acceptance of liability of the deposit of the Amalgamated Bank 92, A. Ratnagiri Urban Co-op Bank Ltd (Amount Provided) 72,537, B. Poona Co-op Bank Ltd.(Amount Provided) ,630, Total Amalgamated Bank's Collection Account 3,473, A. Ratnagiri Urban Co-op Bank Ltd. 3,473, ,415, B. Poona Co-op Bank Ltd. 4,415, ,889, Total 7,889, Profit & Loss Account 691,142, Loss as per Last Balance Sheet 613,550, Add : Loss for the year ,591, Less : Profit for the year 223,854, ,550, ,696, ,367,403, Total 29,440,344, Page 8

9 Janata Sahakari Bank Ltd., Pune (Scheduled Bank) Profit & Loss Account for the year Mar Expenditure 31 Mar Mar Interest on 1,321,187, A. Deposits (Schd - E1) 1,601,060, ,972, B. Borrowings (Schd - E2) 5,660, C. Borrowings under LTD 18,215, ,326,159, Total (A+B+C) 1,624,936, ,385, Staff Cost (Schd - E3) 259,865, Directors Expenses 0.00 Fees, Allowances , Travelling & Meeting Expenses 207, , ,937, Rent, Rates, Light, Taxes & Insurance(SchE4) 48,033, ,001, Legal & Court Expenses (Schd - E5) 8,648, ,130, Audit Fees (Schd - E6) 5,526, ,957, Postage,Telephone & Telegraph 8,859, ,545, Depreciation 28,179, I) On Fixed Assets 19,313, II) On Revalued Assets 8,866, ,955, Printing, Stationery & Advertisement(Sch-E7) 8,141, ,476, Building Maintenance 1,463, Other Expenditure 6,260, A. Security Expenses 6,216, ,525, B. Sundry Expenses (Schd - E8) 21,057, ,410, C. Vehicle Expenses (Schd - E9) 1,377, ,351, D. DICGC Premium 22,531, ,242, E. MICR Processing Charges 3,007, ,295, F. Brokerage, Commission 1,008, ,086, ,198, Written off 1.00 A) Dead Stock 63, ,697, B) Bad & Doubtful Advances 106,774, C) Unsecured Bond -Secals Ltd. 7,293, D) Amalgamated Bank's Loss 72,630, ,697, Total 186,761, , Loss on sale of Assets 434, ,144, Service Tax Paid 8,091, ,125, Premium on Investments amortised 47,208, Depreciation on Investments 58,486, Amortised 58,486, ,340, Others 27,367, ,826, ,853, Income Tax / Other Tax , Fringe Benefit Tax Paid 827, , Provisions : 9,522, A. Bad & Doubtful Advances Reserve 126,619, ,114, B. Performing Assets 1,416, ,695, C.For Investment , D. Education Fund 30, ,361, ,065, ,591, Net profit transferred to Balance Sheet 223,854, ,694,406, Total 2,730,157, Page 9

10 31 Mar Income 31 Mar Mar Interest on 1,140,284, A. Loans 1,535,894, ,145, B. Investments (Schd - I1) 735,217, ,784,430, ,271,112, ,977, Commission (Schd - I2) 21,099, Donations Others 78,647, A. Miscellaneous income (Schd - I3) 91,885, B. Transfer Fee , C. Dividend on Shares 90, ,344, D. Locker Rent 7,560, , E. Income from Building rent 58, ,982, F. Bank Guarantee Commission 11,504, ,157, ,099, ,183, Profit on sale of Securities 80,871, , Profit on sale of Assets (Net) 47, ,866, Revaluation Reserve no more 8,866, ,866, required written back 8. Excess Provisions Written Back 0.00 A) Amalgamated Loss 72,662, ,032, B) Deferred Tax Liability 123, C) Investment Deprecation Reserve 57,500, ,697, D) Bad & Doubtful Advances W/b 106,774, ,729, Total 237,061, Net Loss for the year 2,694,406, Total 2,730,157, Page 10