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A S S A M G R A M I N V I K A S H B A N K BOARD OF DIRECTORS AS ON 31-03-2017 1. Chairman Appointed by United Bank of India (Sponsor Bank) under Sec.11(1)of the RRB Act,1976 Shri Sanjaya Nand From 18.10.2016 Shri Sanjaya Nand 2. Nominee Directors of Govt. of India Nominated by Govt. of India under Sec.9(1)(a) of the RRB Act, 1976 Shri S U Laskar from 17.12.2008 Shri P L Dev Mahanta from 02.06.2009 3. Nominee Director of Reserve Bank of India Nominated under sec.9(1)(b) of the RRB Act,1976 Shri Abhishek Kumar Sinha, AGM FIDD, Reserve Bank of India, Guwahati from 29.07.2016 4. Nominee Director of National Bank Nominated under sec.9(1)(c) of the RRB Act,1976 Shri M. Ravindra Kumar Reddy, DGM NABARD, Guwahati from 09.02.2016 5. Nominee Directors of Sponsor Bank Nominated under sec.9(1)(d) of the RRB Act,1976 Shri Manas Dhar, GM ( Prisec, LBD,FI, RRB & PMJDY) United Bank of India, Head Office from 15.12.2014 Shri Raj Kishore Nayak, AGM & CRM United Bank of India, Guwahati Regional Office from 25.05.2016 Shri S U Laskar Shri M Dhar Shri Abhishek Kumar Sinha Shri M. Ravindra Kumar Reddy Shri Raj Kishore Nayak Shri P L Dev Mahanta 6. Nominee Directors of Govt. of Assam Nominated under sec.9(1)(e) of the RRB Act,1976 Smt. Eva Deka, Director Finance Deptt. (Institutional Finance) Govt. of Assam, from 27.09.2016 Shri Kishore Thakuria, Joint Secretary Finance (Audit & Fund) Deptt., Govt. of Assam, from 28.03.2017 Statutory Auditors : M/s. ALPS & Co., 310, Todi Chambers, 2, Lalbazar Street, Kolkata- 700 001 Smt. E. Deka Shri Kishore Thakuria

A S S A M G R A M I N V I K A S H B A N K HEAD OFFICE ADMINISTRATIVE SET UP OF HEAD OFFICE & REGIONAL OFFICES AS ON 31.03.2017 Sanjaya Nand Chairman Ajit Kumar Neog Chief Manager Insp.,Vigilance & Audit Department Nibha Talukdar Chief Manager IT, MIS & FI Department REGIONAL OFFICES Nripendra Nath Baishya General Manager Bhabani Kanta Deka Chief Manager Accts & Investment Department Haripada Debnath Chief Manager Recovery Department Anil Nath Chief Manager Credit Monitoring Department Ramkrishna Sarma Chief Manager P&D and CS, Personnel Department Naba Kamal Hazarika Chief Manager Credit Department REGIONAL OFFICE REGIONAL MANAGER DISTRICTS COVERED NO. OF BRANCHES NALBARI Prasanta Kumar Bujarbaruah 1. Nalbari 2. Baksa 3. Barpeta 4. Darrang 5. Udalguri GOLAGHAT Dipankar Baruah 1. Golaghat 2. Jorhat 3. Nagaon 4. Hojai 5. Majuli 78 SILCHAR Rukun Uddin Ahmed 1. Cachar 2. Karimganj 3. Hailakandi 48 LAKHIMPUR Girish Dutta 1. Lakhimpur 2. Sonitpur 3. Dhemaji 4. Biswanath 61 GUWAHATI Kamal Bhowmik 1. Kamrup 2. Kamrup (M) 3. Morigaon 48 KOKRAJHAR DIBRUGARH Amulya Talukdar Prashanta Kr. Dev 1. Kokrajahr 2. Bongaigaon 3. Chirang 4. Goalpara 5. Dhubri 6. South Salmara 1. Dibrugarh 2. Tinsukia 3. Sivasagar 4. Charaideo 74 52 53 Lakhimpur Region Dibrugarh Region Kokrajhar Region Guwahati Region Nalbari Region Golaghat Region Silchar Region 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 1

DIRECTORS REPORT 2016-17 In terms of provisions made under Section 20 of the Regional Rural Bank's Act-1976, the Board of Directors, with profound pleasure presents the 12th Annual Report of the Bank along with Audited Balance Sheet, Profit & Loss Account, Notes on Accounts and Auditor s Report for the accounting period from 1st April, 2016 to 31st March, 2017. PERFORMANCE HIGHLIGHTS OF THE YEAR 2016-17 Total business of the Bank stands at `12072.06 crore as on 31.03.2017 Growth recorded against Total Business was 4.85 % over previous year. Of the Total Business, `7924.22 crore consists of Deposit and `4147.84 crore consists of Loans & Advances. Bank s clientele base has crossed 9.92 million mark registering a growth of 10.46%. 1598056 nos. new accounts (Deposit + Loan) were opened during the period. 1398055 new Savings Bank Accounts have been opened during the year against the target of 800000. The share of demand deposits (CASA) to the total deposits of the bank stood at 66.35% as on 31-03-2017. Per Branch productivity has increased from `28.08 crore to `29.16 crore. Per Employee productivity has grown to `5.82 crore from `5.42 crore. Priority Sector Advances have increased from `3600.44 crore to `3644.91 crore. The Agriculture advance has increased from `1697.81crore to `1857.93 crore registering a growth of over 9.43% The Bank has issued 45520 no. of fresh Kisan Credit Cards (KCC) during the year. 21831 no. of new Self Help Groups (SHGs) have been Deposit Linked during the year. Cumulative no. of SHGs Deposit Linked by the bank up to 31-03-2017 has increased to 220237. 18059 no. of new Self Help Groups (SHGs) were Credit Linked during the year. Cumulative no. increased to182417. 6837 no. of new General Credit Cards (GCCs) issued during the year, thereby raising the no. of cumulative Cards to 89213. Cash recovery from NPA stood at a level of `317.30 crore as on 31.03.2017 and an amount of `769.18 lakh has been recovered from Shadow Register Accounts during the year. Bank earned Net Profit (after Tax) of ` 0.56 crore. The bank has issued 641052 no. of ATM Cards and 198863 no. of KCC RuPay Cards during the year. 04 new branches were opened during the year increasing the total number of branches to 414 nos. Total 2080 no. of FLC programme organized during the year. Total 1323148 no. of accounts were opened under Pradhan Mantri Jan Dhan Yojana (PMJDY). The Bank has implemented the social security schemes viz. PMSBY, PMJJBY and APY and made 305432, 112142 and 42132 no. of enrolments, respectively under the said schemes. During the gradation exercise done by Ministry of Rural Development, Govt. of India, AGVB RSETI Bongaigaon, Tezpur and Jorhat have been awarded Grade AA while, AGVB RSETI, Kamrup(M) & Kamrup have been awarded Grade A for their outstanding performance, in respective categories. The Bank has received Best Bank Award from NABARD for SHG Credit Linkage for the year 2015-16. During the year, the Bank has organized 13 no. of Digital Financial Literacy Camps. 2 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

BRIEF INTRODUCTION A S S A M G R A M I N V I K A S H B A N K Assam Gramin Vikash Bank, the only restructured RRB of the N.E Region was set up on 12th January, 2006 by amalgamating the erstwhile Pragjyotish Gaonlia Bank, Lakhimi Gaonlia Bank, Cachar Gramin Bank & Subansiri Gaonlia Bank as per provision under section 23(A) of RRB Act, 1976. The Head Office of the Bank is situated at Mahapurush Srimanta Sankardev Path, Bhangagarh, Guwahati-781005, Assam. The operational area of Assam Gramin Vikash Bank consists of the entire area of operation of the aforesaid four pre-amalgamated RRBs which cover 30 districts out of 33 districts in the State of Assam, barring only the three hill districts, viz. Karbi Anglong, West Karbi Anglong and Dima Hasao. The Bank enjoys the status of a Scheduled Bank in terms of Reserve Bank of India Notification No. RPCD.CO.RRB No. 7430/03.05.100/2008-09 dated 27.01.2009. The objectives set before the RRBs remain intact for Assam Gramin Vikash Bank also. Assam Gramin Vikash Bank gives maximum emphasis for developing the rural economy by providing credit for agriculture, MSME, trade & services and other productive activities, with thrust on productive credit to the small & marginal farmers, agricultural labourers, artisans and small entrepreneurs, SHGs, etc. and also to transact business as defined in Section 18(2) of the RRB Act, 1976 and Section 6(1) of Banking Regulation Act, 1949. Our Mission With the advantage of having largest network of branches in the Rural Assam, it is our duty and obligation to serve the rural masses, the deprived and denied with all banking facilities for augmentation of agricultural production, uplift of the downtrodden, employment of rural youth, with commitment to the sacred task of all out development of the Rural Assam. The bank s initiatives have strengthened our culture and we aim to be the top class Rural Bank of the Country, benchmarking ourselves against the best standards and practices in terms of product offering, service level and professional integrity. What remains to be achieved is much larger than what we have achieved so far. our Vision To financially include as well as to spread Banking Literacy to each household and initiate appropriate intervention for economic uplift of the people of Assam through Agriculture, Micro, Small and Medium Enterprises to accomplish the mandate set out for the RRBs and thus emerging as a strong, vibrant and socially committed Mass-Class Bank. ORGANISATIONAL STRUCTURE The Bank functions in a three-tier structure Head Office 07 Regional Offices 414 Branches Head Office at Guwahati ( Mahapurush Srimanta Sankardev Path, Bhangagarh, Guwahati-5 ) Seven Regional Offices at 1 Nalbari (PNC Road, P.O.& Dist.: Nalbari, Assam PIN -781 335) 74 Branches 2 Golaghat (Kushal Path, New Amolapatty, P.O. & Dist. : Golaghat, Assam PIN 785 621) 78 Branches 3 Silchar (Chowrangee, Ambicapatty, Silchar, Dist. : Cachar, Assam PIN 788 004) 48 Branches 4 Lakhimpur (Hospital Road, North Lakhimpur, Dist. : Lakhimpur Assam PIN- 787 001) 61 Branches 5 Guwahati (Rajgarh Road, Chandmari, Guwahati-3, Assam PIN 781 003) 48 Branches 6 Kokrajhar (Thana Road, P.O. & Dist. : Kokrajhar, Assam PIN-783 370) 52 Branches 7 Dibrugarh (C R Building, Milan Nagar, Dibrugarh, Assam PIN-786 003) 53 Branches 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 3

THE AREA OF OPERATION OF THE REGIONAL OFFICES (A) District & Category wise: Sl. No. Regional Office No. of Districts Covered 1 Nalbari 05 2 Golaghat 05 3 Silchar 03 4 Lakhimpur 04 5 Guwahati 03 6 Kokrajhar 06 7 Dibrugarh 04 Name of the District and No. of Branches Districts 1. Nalbari 2. Baksa* 3. Barpeta 4. Darrang 5. Udalguri 1. Golaghat 2. Jorhat 3. Majuli 4. Nagaon 5. Hojai 1. Cachar 2. Karimganj 3. Hailakandi 1. Lakhimpur 2. Dhemaji 3. Sonitpur 4. Biswanath 1. Kamrup 2. Kamrup(Metro) 3. Morigaon 4. Baksa* 1. Kokrajhar 2. Bongaigaon 3. Chirang 4. Goalpara 5. Dhubri 6. South Salmara 1. Dibrugarh 2. Tinsukia 3. Sivasagar 4. Charaideo No. of Branches 18 10 19 15 12 25 15 02 29 07 22 17 09 18 10 17 16 18 14 13 02 10 09 07 12 12 02 16 14 12 11 Upto `10.00 Above ` 11.00 up to ` 30.00 Category wise Branches Business Level (` crore) Above ` 31.00 up to ` 75.00 Above ` 76.00 up to `200.00 A B C D E Above `200.00 Total 10 37 23 4 0 74 7 55 14 2 0 78 6 30 10 2 0 48 8 43 8 2 0 61 7 16 16 7 1 47 4 29 16 3 0 52 9 35 9 0 0 53 Total 30 413 51 245 96 20 1 413 * Two (02) branches namely Naokata and Dwarkuchi under Baksa district are under the control of Regional Office, Guwahati. 1 no. of service branch at Guwahati does not fall under category based on business criteria. 4 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K B) Population Group wise: Assam Gramin Vikash Bank, the only amalgamated Regional Rural Bank of the N.E. Region continues to be the largest bank in the state of Assam in terms of branch network. The population group wise break up of branches is as follows: Sl.No. District Rural Semi-Urban Urban TOTAL 1 Nalbari 16 2-18 2 Baksa 11 1-12 3 Barpeta 12 7-19 4 Kamrup (M) 3-12 15 5 Kamrup 16 1 1 18 6 Darrang 13 2-15 7 Udalguri 10 2-12 8 Sonitpur 14 3-17 9 Biswanath 13 3-16 10 Goalpara 10 2-12 11 Dhubri 6 6-12 12 South Salmara 2 - - 2 13 Kokrajhar 8 2-10 14 Chirang 4 3-7 15 Bongaigaon 7 2-9 16 Sivasagar 9 3-12 17 Charaideo 9 2-11 18 Jorhat 10 3 2 15 19 Majuli 1 1-2 20 Golaghat 19 6-25 21 Nagaon 21 8-29 22 Hojai 4 3-7 23 Morigaon 12 1 13 24 Cachar 17-5 22 25 Hailakandi 5 4-9 26 Karimganj 13 4-17 27 Lakhimpur 13 5-18 28 Dhemaji 7 3-10 29 Dibrugarh 13 3-16 30 Tinsukia 9 5-14 TOTAL 307 87 20 414 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 5

A BRIEF REVIEW OF THE PERFORMANCE OF THE BANK IN VARIOUS FUNCTIONAL AREAS IS PRESENTED BELOW: BRANCH NETWORK-OPENING / SHIFTING OF BRANCH The bank has a geographically well-spread branch network in the state of Assam, excepting three hill districts, viz. Karbi Anglong, West Karbi Anglong and Dima Hasao. The Bank has 414 branches in 30 out of 33 districts of the state as at the end of March 2017. Distribution of these branches is Urban- 20, Semi-urban-87 and Rural 307. During the reporting period, under the branch expansion programme, Bank opened following 04 (Four) new branches: Sl No Name of the Branch Region Date of opening District Address 01 Demow Lakhimpur 26.04.2016 Dhemaji NH-52 P.O.-Demow Chariali, District -Dhemaji, Assam, PIN-787059 02 Kahilipara (Narakasur) Guwahati 09.05.2016 Kamrup (M) House No. 99, Kahilipara Road, Narakasur, Guwahati 781019 03 Jalalpur Silchar 04.06.2016 Cachar Vill & P.O. Jalalpur, District: Cachar, Pin.-788816. 04 Vivekananda Road Sichar 22.06.2016 Cachar Vivekananda Road, Silchar, District-Cachar, Assam, PIN-788007 SHARE CAPITAL The detailed break up of Share Capital of the Bank as on 31.03.2017 is given below: Details of Share Capital Account (Amount in ` thousand) Share Holders Issued Paid - up Unpaid Government of India 448162 448162 Nil Government of Assam 134449 134449 Nil United Bank of India 313714 313714 Nil TOTAL 896325 896325 Nil Share Capital amounting to ` 896325 thousand has been sanctioned as well as released to the bank by Govt. of India, Govt. of Assam and United Bank of India in the proportion of 50% : 15% : 35% respectively. The details of sanction and release of Share Capital of the Bank as on 31-03-2017 is furnished below: (Amount in ` thousand) Details of Sanction and Release of Share Capital Particulars Govt. of India Sponsor Bank Govt. of Assam Total Share Capital Sanctioned 448162 313714 134449 896325 Share Capital Released 448162 313714 134449 896325 It may be mentioned that the share capital deposit of Govt. of India, Govt. of Assam and United Bank of India has been converted to share capital as per NABARD's letter no. NB.IDD.RRCBD/1637/316 (Gen)/2015-16 dated 30.03.2016. 6 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K DEPOSIT As on 31.03.2017, total deposit of the Bank stands at `7924.22 crore. Continuous emphasis is given for increasing the share of demand deposits, so as to reduce the cost of deposits further and to increase the spread. The share of demand deposits was 66.35 % as on 31-03-2017. The comparative position of category wise deposit for the fiscal 2015-16 and 2016-17 is shown below (Amt. in ` thousand) Category As on 31.03.2016 As on 31-03-2017 Accounts Amount Growth (%) Accounts Amount Growth % 1. Current Account 179874 4137885 2.40 189449 4410361 6.59 2. Savings Bank 7282602 43379834 1.65 8679880 48164091 11.03 Demand Deposit (1+2) 7462476 47517719 1.72 8869329 52574452 10.64 3. Term deposit 959196 26301807-4.26 1053500 26667713 1.39 TOTAL 8421672 73819526-0.50 9922829 79242165 7.35 The share of Current, Savings and Term Deposit to total Deposit comes to 5.57%, 60.78% and 33.65% respectively. Per branch and per employee Deposit and Business along with comparative figures of the previous year are furnished below. (Amount in ` thousand) Particulars As on 31.03.2016 As on 31.03.2017 Amount Growth (%) Amount Growth (%) Per Branch Deposit 180048-1.47 191406 6.31 Per Employee Deposit 34771 0.53 38207 9.88 Per Branch Business 280833 0.63 291596 3.83 Per Employee Business 54235 2.68 58207 7.32 BORROWING During the year under review, the Bank availed refinance to the extent of `1763520 thousand from NABARD. Out of the total Refinance availed during the year, an amount of `576535 thousand has been drawn for ST (SAO). There was no default in repayment of either installment or interest by the Bank. As on 31-03-2017, an amount of ` 6151441 thousand remained outstanding borrowing as against `5832137 thousand as on 31-03-2016. CASH & BALANCE WITH BANKS A) As on 31-03-2017, the position of Cash-in-hand of the Bank stands as follows: Particulars 2015-16 2016-17 (Amount in ` thousand) Cash at the year end 830875 519218 Average Cash-in-hand 522396 1804488 Average Cash as % to average deposit 0.74 2.36 The increase in average cash holding during 2016-17 was mainly for the higher cash retention by the branches during demonetisation period. 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 7

B) The balance in Current Account held by the Bank was as follows: Particulars Current Account Balance with Amount Reserve Bank of India 3230577 UBI & Other Banks 5668835 TOTAL 8899412 INVESTMENT (Amount in ` thousand) As on 31-03-2017, the outstanding amount of investment made by the Bank in Govt. and approved securities stands at ` 44932701 thousand as against ` 40419769 thousand as on 31-03-2016. Investment to Deposit (ID) Ratio stands at 56.70 %. The breakup of the SLR and Non-SLR investment along with comparative position of the previous fiscal is furnished here-in-below. All investments are conformed to RBI guidelines. (Amount in ` thousand) INVESTMENTS As on 31.03.2016 As on 31.03.2017 S L R 19764515 25192146 Non-SLR 20655254 19740555 TOTAL 40419769 44932701 Of which, Non-Performing Investment 3663 3663 Provision against Non-Performing Investment 3663 3663 During the period under report, the average yield on investment is 7.26% LOANS & ADVANCES At the end of the financial year 2016-17, the gross outstanding position of loans & advances stands at ` 41478431 thousand as against ` 41321916 thousand during the previous year. The percentage of priority sector advances comprises 87.87% of total loans and advances outstanding as on 31-03-2017. The category wise break up of loans & advances outstanding as on 31-03-2017 is furnished below along with comparative position as on 31-03-2016. (Amount in ` thousand) Category of advance As on 31.03.2016 As on 31.03.2017 Amount % to total loans Amount % to total loans Agril. & Allied 16978100 41.09% 18579300 44.79% Priority SSI/MSME 15426680 37.33% 14930463 36.00% Sector Services & Others 766372 1.85% 441767 1.06% Housing Loan 2837330 6.86% 2497601 6.02% Total Priority Sector 36004413 87.13% 36449131 87.87% Non-Priority Sector 5317503 12.87% 5029300 12.13% Total Advances 41321916 100.00% 41478431 100.00% Out of Total Advances, Weaker Sections 22532688 54.53% 26441423 63.64% Per Branch Advance (Average) 100785 XXX 100189 XXX Per Employee Advance (Average) 19464 XXX 19999 XXX 8 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K Performance under Annual Credit Plan, 2016-17 Performance of the Bank under Annual Credit Plan for the financial year 2016-17 is furnished below. (Amount in ` thousand) Parameters Commitment Achievement a) Agriculture 13059000 3861103 Of which Crop Loan 12963000 1724626 b) SSI 5288000 2500944 c) Services d) Others 4974000 389934 Total 23321000 6751981 CREDIT DEPOSIT RATIO The Credit Deposit (CD) Ratio of the Bank has registered as 52.34% as on 31.03.2017. IRAC NORMS Asset Classification: In compliance with RBI guidelines, the Bank has classified its Loans and Advances as per IRAC norms and necessary provision has been made. However, at present the same is not completely driven by system. The Bank has a target of switching over to system based NPA w.e.f. 01-01-2018. The position as on 31.03.2017 along with corresponding figures of the previous year end is furnished here in below. (Amount in ` thousand) Asset Type As on 31.03.2016 As on 31.03.2017 Secured Unsecured Total Provision Secured Unsecured Total Provision Standard 32876806 0 32876806 92883 30735011 0 30735011 84697 Sub- Standard 6029136 0 6029136 904370 4832196 1266089 6098285 1027151 Doubtful-I 463212 35072 498284 150363 2701527 159957 2861484 833613 Doubtful-II 1204260 115314 1319574 713518 1147763 142405 1290168 712850 Doubtful-III 570103 26337 596440 595563 449631 25940 475571 472797 Loss Asset 0 1676 1676 1676 0 17912 17912 17912 Total 41143517 178399 41321916 2458373 39866128 1612303 41478431 3149020 NPA MANAGEMENT During the year under report, Bank could recover and reduce a sum of `3799975 thousand from NPAs as against ` 2651530 thousand during the previous fiscal. The movement of NPA during the financial year 2016-17 along with corresponding figures of the previous financial year is furnished here-in-below. (Amount in ` thousand) PARTICULARS 2015-16 2016-17 NPA at the beginning of the year 3591403 8445110 Recovery/Reduction of NPA 2651530 3799975 Addition to NPA during the year 7505237 6098285 NPA at the end of the year 8445110 10743420 NPA net of provision 6079620 7679097 Net NPA as % of net advances 15.61 19.99 In terms of percentage, while Gross NPA has increased from 20.44% to 25.90 %, the Net NPA has increased from 15.61% to 19.99%. 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 9

Initiatives taken during the year to reduce NPAs: The Bank has continued with the compromise settlement policy to encourage reduction of long outstanding NPAs through compromise settlements. Incipient NPA accounts /Special Mention Accounts were identified for effective follow-up and to initiate recovery measures. Top NPA accounts of the Bank have been taken up for intensive follow-up and recovery by the Regional Offices/ Head Office in addition to the respective branches. Enforcement of SARFAESI Act in a big way. The Bank has introduced a system of weekly voice call with all Regional Heads along with their Recovery team for discussion on a case to case basis. The new Recovery policy also has the provision of compromise with delegation at all operational level for a faster decision. The Bank has also created a tier at District level, whose primary job is to visit the villages for both recovery and scouting new proposals of advances and also to coordinate with the DDM, NABARD and DC Office for all assistance for the Recovery & Business. The Bank has taken initiative for recovery of NPA loan by involving state Govt. machineries. The list of defaulters is given to the DDOs/ Treasury officers for realization of overdue amount from the salary bill of the staff concerned. To discuss and address the problem of NPA clients, the bank is organizing exclusive customers meet at various important centers. Large no. of cases have been settled through National Lok Adalat. RISK FUND No separate risk fund has been created by the bank as adequate provision has been made as per the Income Recognition & Asset Classification (IRAC) norms prescribed by the Reserve Bank of India. Besides, all other provisions are adequately made including against contingent liabilities and expenses. LOANS DISBURSED DURING THE YEAR During the year under report, the Bank disbursed a total sum of `9455797 thousand (96146 in accounts), as against ` 6848868 thousand (81906 accounts) during the previous financial year. Bank s disbursement under Priority Sector is 71.41%. In the Agriculture & Allied Activity sector (including KCC), Bank could disburse a sum of `3861103 thousand during the year as against the amount of ` 2634538 thousand during the previous year. All the branches organized Credit disbursement camps almost every month to expand the credit portfolio. The sector wise disbursement of Loan and Advances during the financial year 2016-17 and also the corresponding figures of the previous year are shown below. (Amount in ` thousand) Category of Advances Amount 2015-16 2016-17 As % of total Loans disbursed Amount As % of total Loans disbursed Agril & Allied 2634538 38.47 3861103 40.84 SSI / MSME 2641423 38.57 2500944 26.45 Services & Others 55850 0.82 120132 1.27 Housing Loan 328263 4.79 269802 2.85 Total Priority Sector 5660074 82.64 6751981 71.41 Non-Priority Sector 1188794 17.36 2703816 28.59 Total 6848868 100.00 9455797 100.00 Out of Total loans disbursed, weaker sections 2912808 42.53 3861103 40.83 10 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K SPECIAL ATTENTION TO WEAKER SECTIONS AND SC/ST BENEFICIARIES Credit to Weaker Sections increased to `26441423 thousand as at March 31, 2017, registering an increase of `3908735 thousand. Ratio of Weaker Section Advances to Total Advances was 63.74%. During the year, loan amounting to `907277 thousand was disbursed to SC/ ST beneficiaries belonging to weaker sections as against `822870 thousand during the previous year. LOANS TO MINORITY COMMUNITY During 2016-17, loan amounting to `1251074 thousand was disbursed to Minority Communities. The outstanding advances to Minority Communities (` 9635094 thousand) registered a growth of 13.58% over the position as on 31-03-2016. ASSISTANCE TO WOMEN BENEFICIARY The Bank has initiated special steps to cover more number of women under various types of credit facilities of the bank. The Women Development Cell has taken special interest in conducting Gender Sensitization Meets, Awareness Camps, SHG promotion, fairs, exhibition etc. This has helped to extend finance to 21771 women beneficiaries during the year with credit support of `1654592 thousand which forms 17.50% of the Bank s total credit. Thus, the Bank has complied with RBI instructions of ensuring minimum credit flow of 5% of total credit to women. The outstanding amount of credit delivered to women stands at `9876300 thousand against 161175 beneficiaries. Total 7791 no. of NRLM SHG groups were financed during the year. During the year, 28 no. of women beneficiaries were financed under Stand Up India Scheme. MICRO, SMALL & MEDIUM ENTERPRISES (MSME) During the financial year 2016-17, the Bank sanctioned fresh loans amounting to `2500944 thousand to MSME sector covering 18417 accounts as against `2641423 thousand covering 24394 accounts during the previous year. The outstanding advances in MSME is `14930463 thousand. Under Stand Up India Scheme, total 36 no. of beneficiaries were financed with an amount of ` 7.94 crore. The details of MUDRA loans sanctioned/disbursed during the financial year 2016-17 under different categories are furnished below: (Amount in ` Crore) Category No. of Loan Amount sanctioned/disbursed SISHU 7426 24.90 KISHOR 5908 118.15 TARUN 206 16.39 Total 13540 159.44 RECOVERY OF LOANS During the period under report, 4619 no. Recovery Camps were organized besides conducting joint recovery drives with the help of branches/offices/sponsoring agencies/local Panchayat/Recovery Agents etc. Further, special thrust was given to recover long sticky overdue through compromise settlement. Lok Adalats were also organised by large no. of branches and responses received were most encouraging. The Demand, Collection and Balance and also age wise classification of overdue as on 31-03-2017 are furnished below: (Amount in ` thousand) Sector Demand Collection Balance Recovery % Farm Sector 7308653 3749420 3559232 51.30 Non Farm Sector 19567934 11903715 7664219 60.03 Total 26876587 15653136 11223451 58.24 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 11

Age-wise classification of overdue as on 31-03-2017 was as follows:: 12 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 (Amount in ` thousand) Periods S e c t o r s Farm Non-Farm Total Below 1 year 1601654 3448899 5050553 1 to 3 years 782675 1686128 2468803 Above 3 years 1174903 2529192 3704095 Total 3559232 7664219 11223451 SELF-HELP GROUPS/ JOINT LIABILITY GROUPS Promotion and credit linkage of Self-Help Groups: Empowerment of rural populace particularly women in the lowest strata, by developing the habit of thrift and credit, topped the list of agenda for the development institutions including banks. This has motivated the institutions/ organizations to go with the concept of Self- Help Group and accordingly involve themselves in the process of promoting Self-Help Groups. Against this backdrop, the Bank is actively associated in promotion and credit linkage of Self-Help Groups (SHGs) in its area of operation, since inception of the concept. The scheme for credit linkage of SHG has got momentum in the operational area of the bank during the period under review. Up to 31-03-2017, Bank has formed as many as 220237 SHGs involving 2422007 members. Out of these, 182417 SHGs have been credit linked till 31-03-2017 with sanction limit of `9364152 thousand. During the year under report, 21831 SHGs have been formed by the bank covering 237858 members. Bank has provided credit assistance to 18059 SHGs amounting to `1816197 thousand during the year. Many of the SHGs have availed credit from the Bank for the second or subsequent times and have been able to qualify themselves as the micro enterprises and thereby entitled for larger size of credit for establishment of their own enterprises for economic sustainability. In order to create awareness about microfinance, Workshops and Group Meetings were organized at village level. Further, to give boost to market the products of SHGs, the following initiatives were taken by the bank : The bank has organized one State Level Exhibition cum Sale of SHG products at Maniram Dewan Trade Centre from 17.03.2017 to 19.03.2017 wherein 70 no. of SHG groups representing all the districts of area of operation participated. Synchronizing with the occasion a Buyer- Seller Meet was also organized. Bank has already submitted claim for grant assistance to the tune of `101.05 lakh from NABARD under SHPI programme out of which ` 56.74 lakh has been received. Financing of Joint Liability Groups: The concept has been introduced in the Bank during the year 2005-06. During the period under report, Bank could form 858 no. of Joint Liability Groups with credit support amounting to `71121 thousand. Up to 31-03-2017, a total of 18777 no. (Cumulative) Joint Liability Groups (JLGs) have been financed covering 75108 beneficiaries. Grant assistance of `1.26 lakh was received from NABARD under JLPI programme. KISAN CREDIT CARDS (KCC) To obviate the problems of the low profile, poor farmers to approach the bank for sanction of crop loans every time they want to grow crops and to impart a longer lease of life to the sanction limit and also to minimize hassles of repeated documentations, the Bank has been extending production credit in the form of Kisan Credit Card, to as many eligible farmers as possible, since launching of the Scheme by Govt. of India. The Bank continues its effort to bring in still more farmers within the ambit of the scheme. It is worth mentioning that a good no. of educated unemployed youths who failed to procure a salaried job even after running from pillar to post and pausing a psychological threat not only to the family but also to the society at large, have been persuaded to

A S S A M G R A M I N V I K A S H B A N K take up mainstream agriculture as a profession and in fact they now claim to be a part of the farming community. The social institutions like farmers clubs, SHGs and Govt. Line departments have been involved in successful implementation of the scheme. The growing of crop on a commercial scale has also drawn the idea of aggressive marketing in the post production stage and thereby leading to the diversification of agro based activities. During the year under review the Bank had drawn a plan to cover all eligible farmers under the fold of KCC (Crop Loan) and could issue 45520 numbers of KCCs with credit limit of `1724626 thousand. As on 31-03-2017, the outstanding advances under KCC was `9138148 (crop) thousand against 259786 (crop) no. of KCCs. The cumulative no. of Kisan Credit Cards issued as at the end of the financial year 2016-17 was 678105. FARMERS CLUBS The Bank plays a vital role in formation of Farmers Clubs in the State. The idea of Farmers Clubs was mooted with the principle of Development through credit and for propagating this principle among the rural farmers. Farmers Clubs are considered to be the most acceptable and affective intermediary agency for smooth flow of agricultural credit to potential borrowers. With this aim in view, the programme was launched in this Bank and a good no. of farmers clubs was opened in phases and are being managed with the active support of the respective branches. The services of the farmers clubs have been utilized for catering better relationship between farmers and the Bank. These Farmers Clubs have conducted a number of programmes concerning agricultural activities, micro finance, etc. Some of the clubs are promoting SHGs also. As on 31.03.2017, as many as 564 no. of farmers clubs are functioning in the area of operation of the Bank and have been able to establish themselves as the extended wings of the Bank. PRIME MINISTER S EMPLOYMENT GENERATION PROGRAMME (PMEGP) The Prime Minister s Employment Generation Programme (PMEGP) is one of the Flagship programme of Govt. of India with the prime objective to generate more and more employment. During the period under review, the bank sanctioned 1071 no. of proposals under the scheme. FINANCIAL LITERACY AWARENESS PROGRAMMES During the year, the Bank has conducted 2080 no. of Financial Literacy Camps including 19 no. of Financial Literacy Awareness Programmes under the Young Champion Programme introduced by National Payments Corporation of India on the occasion of World Literacy Day, i.e. 8th September, 2016. Moreover, to promote digital transactions among the rural masses, the bank has conducted 13 no. of Digital Financial Literacy Awareness Programmes on 12.01.2017 on the occasion of Bank s 11th Anniversary. MoU WITH SMALL FARMERS AGRIBUSINESS CONSORTIUM (SFAC) FOR AVAILING CREDIT GUARANTEE UNDER CREDIT GUARANTEE FUND SCHEME AGAINST CERTAIN CREDIT FACILITIES GRANTED BY THE BANK TO FARMER PRODUCER COMPANIES (FPCS) Govt. of India has created a Fund in the name of Credit Guarantee Fund for Farmer Producer Companies (FPCs) with Small Farmers Agribusiness Consortium (SFAC) with the primary objective of providing Credit Guarantee Cover to Banks to enable them to provide collateral free credit to FPCs by minimizing their lending risks in respect of loans not exceeding ` 100.00 lakhs. Accordingly, the Bank has executed an MoU with SFAC in this regard on 06.01.2017 for availing guarantee under Credit Guarantee Fund Scheme against certain credit facilities granted by the Bank to Farmer Producer Companies (FPCs). MoU WITH DEPARTMENT OF INDUSTRIES & COMMERCE, GOVT. OF ASSAM FOR IMPLEMENTATION OF A SCHEME NAMED AS SAROTHI THE START-UP ASSAM. The Bank has entered into a Memorandum of Understandings (MoU) with Department of Industries & Commerce, Govt. of Assam on 21st March, 2017 for implementation of a scheme named as SAROTHI The Start-Up Assam. The objective of the scheme is to provide easy loan to skilled as well as un-skilled entrepreneurs for starting or developing micro enterprises under manufacturing & service or any other sector for gainful employment. The Department of Industries & Commerce, Govt of Assam shall provide financial assistance in the form of Interest subvention @ 5.00% on bank loans to the selected beneficiaries under the scheme. 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 13

MoU WITH NATIONAL HOUSING BANK (NHB) FOR IMPLEMENTATION OF PRADHAN MANTRI AWAS YOJANA (PMAY) Ministry of Housing & Urban Poverty Alleviation (MoHUPA) had launched Pradhan Mantri Awas Yojana (PMAY) Housing for All (Urban) Mission w.e.f. 17 June, 2015 with an aim to accomplish the Govt. of India s vision for facilitating Housing for All by 2022. Out of the four components under the Mission, one of the components is for Promotion of Affordable Housing through Credit Linked Subsidy Scheme (CLSS). The Credit Linked Subsidy Scheme (CLSS) component is to be implemented as a Central Sector Scheme across the country in all statutory towns. This scheme aims to provide credit linked subsidy on home loans taken from Banks by eligible urban poor for acquisition, construction of house. Accordingly, the Bank had executed a Memorandum of Understanding (MoU) with National Housing Bank (NHB) on 31.10.2015 as per approval of the Hon ble Board of Directors of the Bank in its 59th meeting held on 16.10.2015 for implementation of the Scheme. Recently, Ministry of Housing and Urban Poverty Alleviation, Government of India, has brought in certain amendments in the scheme of Pradhan Mantri Awas Yojana for Economically Weaker Sections and Low Income Group and renamed it as CLSS for EWS / LIG. Also, considering the projected growth of urbanization in India and the consequent housing demands, the Ministry has introduced another interest subsidy scheme for acquisition / construction of House (including re-purchase) to cater to Middle Income Group (MIG) called Credit Linked Subsidy Scheme CLSS for MIG in urban areas, which will also be implemented as a Central Sector Scheme. This new component of the scheme shall be implemented for a period of one year w.e.f. 01.01.2017. OPENING OF BASIC SAVING BANK (BSB) ACCOUNTS: All the branches of the Bank have actively participated in opening of BSB accounts of the under privileged households. During the period under report, 1190698 BSB accounts have been opened by the bank and thus raising the total nos. of BSB accounts to 6830037. GENERAL CREDIT CARDS (GCC): As a part of Financial Inclusion, Bank introduced the General Credit Card Scheme during 2006-07, performance under which appears to be encouraging. The scheme is mainly targeted for providing credit support to the under privileged section of the society, without any hassles of complicated documentation and collaterals. During the period under review, Bank could issue 6837 no. General Credit Cards (GCCs). No. of Cumulative Cards issued comes to 89213 with outstanding amount of `2022851 thousand. RURAL DEVELOPMENT AND SELF EMPLOYMENT TRAINING INSTITUTE (RSETI) The five RSETIs established by the Bank in Sonitpur, Bongaigaon, Jorhat, Kamrup(M) and Kamrup districts have been rendering yeomen service to the rural unemployed youths of the districts since their inception. The functioning standard of these institutes has been lauded by the authorities concerned in various states as well as national platforms. The role of RSETIs are not limited in imparting training only. During the period, 2806 no. RSETI trained candidates have been helped earn their livelihood either through self-employment or wage engagements and out of these total 1853 nos. of candidates have been settled during the year 2016-17. It is mention worthy that during gradation exercise conducted by the National Academy of RUDSETIs (NAR) and as approved by the Ministry of Rural Development, Govt. of India, RSETI Bongaigaon, RSETI Tezpur and RSETI Jorhat have been awarded Grade AA while, RSETI -Kamrup(M) & RSETI Kamrup have been awarded Grade A, all sponsored by AGVB, for their outstanding compliance level. INCOME EARNED Total income earned by the Bank during the year was `7516570 thousand as against `7397250 thousand earned during the corresponding period of the previous year. Major part of income was from interest on Advance (41.97%) and from Investment (40.50%). EXPENDITURE INCURRED The bank has incurred total expenditure of `7527917 thousand as against `7011239 thousand incurred during the corresponding period of previous year. Expenditure on account of interest (both Deposit and Borrowings) constitutes 55.16% of total expenditure; operating expenses constitute 30.97%, while other expenditure like provision & contingencies constitute 13.87% of the total expenditure 14 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

OPERATING RESULT Net Profit (After Tax) comes to `5623 thousand. A S S A M G R A M I N V I K A S H B A N K FINANCIAL RATIOS The key financial ratios of the Bank based on monthly average have been worked out as under. (Amount in ` thousand) PARTICULARS 2015-16 2016-17 Average Working Fund 75334919 91615522 Financial Return 9.24 6.80 Financial Cost 5.41 4.53 Financial Margin 3.83 2.27 Operating Cost 2.95 2.54 Miscellaneous Income 0.58 1.42 Operating Margin 1.46 1.15 Risk Cost 0.94 1.13 Net Margin 0.52 0.02 TRANSFER PRICE MECHANISM (TPM) The bank has introduced Transfer Price Mechanism (TPM) and the current rates of transfer price mechanism are as follows: Sl.No. Parameter Applicable TPM Rate in % p.a. Receivable by Branch: 1. Average Current Deposit 2. Average Savings Deposit Metro & Urban 6.75% Semi Urban & Rural 7.75% Metro & Urban 6.75% Semi Urban & Rural 8.25% 3. Average Term Deposit Metro & Urban 9.25% Semi Urban & Rural 10.00% 4. Average Agriculture Advances 2.50% 5. Fresh Disbursement in Retail Housing Loans 2.50% 6. Actual Recovery in Doubtful & Loss Assets 100% 7. Cash Recovery in Sub Standard Assets 15% 8. Actual Expense on Currency Chest Full Actual Establishment, Rent on Office Premises and 9. Depreciation for newly opened Branches during first year Payable by Branch: 1. Average Advances 2 3 Penalty for holding average cash in excess of 0.50% of Deposit Penalty for holding average balance in Current A/c with other Banks in excess of `2.00 lac (excluding balance in RBI a/c) 25% Metro & Urban 8.50% Semi Urban & Rural 8.00% 10% 10% 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 15

ACHIEVEMENT AGAINST BUSINESS PLAN 2016-17 The key parameters of the Business Plan, 2016-17, executed with the Sponsor Bank for the financial year 2016-17 and achievement there against are furnished below. (Amt. In ` crore) Particulars MoU Target for 2016-17 Achievement during 2016-17 1. Deposits 8400.00 7924.22 2. Borrowings 759.56 615.14 3. Loans & Advances 4800.00 4147.84 4. Investment 4150.00 4493.27 5. Loan Issued 1000.00 945.58 6. Recovery % 70.00 58.24 7. Non- Performing Assets. a) Position at the beginning of year 817.64 844.51 b) Fresh generation,if any 102.36 609.83 c)total Reduction 680.00 380.00 d) Position at the end 240.00 1074.34 8.INCOME a) Interest on Advance 408.00 315.45 b) Discount on Investment 335.00 307.74 c) Other Income 80.00 128.47 TOTAL 823.00 751.66 9. EXPENDITURE a) Interest on Deposits 430.00 388.28 b) Interest on Borrowings 30.00 26.99 c) Staff Expenses 160.00 159.30 d) Other Operating Expenses 100.00 73.86 TOTAL 720.00 648.43 10. Profit /Loss (Operating ) 103.00 103.23 Less Provision made for NPA a/cs Less Other Provision 50.00 104.36 Add Excess Provision for Income Tax written back & Deffered Tax Asset - 1.69 11. NET PROFIT 35.00 0.56 12.IMPORTANT PERFORMANCE INDICATORS Average yield on Investments 8.07 7.26 Average yield on advances 8.50 7.82 Average cost of deposits 5.12 5.08 Average cost of funds 4.88 4.53 CD Ratio 57.14 52.34 Per Branch Business 31.06 29.16 Per Employee Business 6.22 5.82 16 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

NON-FUND BUSINESS A S S A M G R A M I N V I K A S H B A N K Arrangement of collection of Cheques & Bills, trading of securities, issue of Demand Drafts/Bank Guarantee/Gift Cheques, arrangements for issuing Demand Draft, commission against Bancassurance business, letting out of lockers were the source of non-fund based business income for the bank and the Bank could earn `1203027 thousand as commission, exchange, profit on Sale of investments etc. during the period under report, as against `375420 thousand during the previous financial year. Bank is continuously working for increase of its non-interest income by adopting measures like issuance of Bank Guarantee, Letter of Credit through United Bank of India, Sale/promotion of third party products like Bancassurance, on commission sharing basis, RTGS/NEFT, ATM uses charge, etc. BANCASSURANCE BUSINESS Under third party product marketing provisions, the Bank has been acting as Corporate Agents of M/s Bajaj Allianz Life Insurance Company Ltd and M/s Bajaj Allianz General Insurance Co. Ltd for selling of Life and Non- Life insurance products and also associated with M/s India First Life Insurance for covering loan assets of the Bank under Group Credit Life Insurance Policy. During the period under report, despite tough competition faced from the other major insurance players, Bank s performance under the Bancassurance business was encouraging. Bancassurance commission amounting to `22.61 lakh have been earned by the bank as on 31-03-2017. MANPOWER PLANNING AND HUMAN RESOURCE The position of existing manpower of the Bank as on 31.03.2017(excluding the Chairman and General Manager, who are on deputation from the Sponsor Bank), was as under: Sl.No. Category Existing Strength 1 Assistant Manager 733 2 Manager 286 3 Sr. Manager 104 4 Chief Manager 21 Total Officer 1144 5 Office Assistant (Multi purpose) 713 6 Office Attendant / Driver 217 Total 2074 INTERNATIONAL WOMEN S DAY Like every year, this year too the Bank celebrated International Women s Day on 08.03.2017 at AGVB Centre for Banking and Technology Learning, Rajgarh Road, Guwahati. On the occasion, Chairman of the Bank, Sri. Sanjaya Nand delivered his address on this year s International Women s Day theme Women in the Changing World of Work: Planet 50-50 by 2030. Sri Nripendra Nath Baishya, General Manger, Sri Ramkrishna Sarma (Chief Manager P&D, CS and Personnel), Smt. Nibha Talukdar (Chief Manger IT,MIS & FI), Sri Kamal Bhowmik (Regional Manager,Guwahati) also spoke on the occasion. Large no. of lady staff of the bank participated in the programme. 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 17

TRAINING AND HUMAN RESOURCE DEVELOPMENT The Bank has been giving priority to upgrade the knowledge and skills of its workforce by deputing them to various training programmes, both within and outside the State. During the year 2016-17, altogether 729 Officers have attended such training, the detailed particulars of which are as under: Institute/Organisation No. of participants IIBM 303 UBI, STC, Ghy 49 RBI 21 BIRD, Bolpur 41 RUDSETI, Bangalore 2 NABARD 31 BIRD, Lucknow 11 NIRD, Khanapara 6 FIU, New Delhi 1 AGVBCBTL 242 IDRBT, Hyderabad 3 Others 19 TOTAL 729 INTERNAL INSPECTION & AUDIT With a view to curb operational deficiencies and to verify and ensure the observance of prescribed rules and regulations of the bank at branch as well as at the controlling office level and also to have a qualitative review of the affairs of the branches/offices, the Inspection Department at Head Office is conducting inspection of the branches. During the period under review, against the target of 299 branches, 273 no. of branches were inspected by the Officials of Audit & Inspection Department of the Bank besides carrying out Revenue Audit in 131 branches. CONCURRENT AUDIT The bank has also conducted Concurrent Audit in respect of the selected branches. During the year 2016-17 under report concurrent audit was undertaken in respect of 90 branches. STATUTORY AUDIT In terms of Sub-Section (1) & (2) of Section 19 of RRB Act, 1976 M/S A L P S & Co. was appointed as the Statutory Central Auditor to undertake statutory audit of the Bank and also to conduct audit for 47 no. of branches (total 48 including Head Office) for the financial year 2016-17. Moreover, 13 Branch Auditors were also appointed for the financial year 2016-17. Both the Central Auditor and Branch Auditors together have audited 220 branches and Head Office of the Bank, as per guidelines of NABARD/RBI. The Board of Directors conveys its heartiest thanks to the Auditors. STATUTORY INSPECTION During the period under review, NABARD has conducted its VII statutory inspection from 25.07.2016 to 08.08.2016. CUSTOMER SERVICE All out efforts have been made to provide prompt and efficient services to customers through 414 CBS branches. To provide better customer service, Note Counting Machines have been provided to the branches handling higher volume of cash. Telephone facilities have been provided to almost all branches. Customer complaints were attended to on priority basis. Further, Customer Service Committees have been formed in all branches covering 18 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K representation from various groups of customers and local dignitaries. Regular meets of the customers were organized at branch level to have direct interface with customers and to record their observations for improving customer service. Regional Level Customers meet were also organized. More and more no. of branches were included under clearing house membership to facilitate quick collection of cheques/demand drafts. A centralized customer s meet was also organized by Head Office on 12.01.2017 synchronizing with the occasion of the12th Foundation Day of the Bank. In financial year 2016-17, customer complaints redressed percentage was 95.56%, 04 numbers of complaints remained outstanding at the end of the financial year out of which 03 number of cases are less than one month. To improve the ambience and customer facilities, new set of furniture of contemporary style and look were provided to 17 more branches during the year under review. Further, facilities of drinking water, toilets, cheque drop box, etc. were also provided to all the branches. RIGHT TO INFORMATION ACT The Right to Information Act, which came into force on October 12, 2005, has been implemented by the Bank. The relevant information as per the Provision of the Act has been put on Bank s website (www.agvbank.co.in). All the applications/appeals received during the year have been disposed of. COMPLIANCE TO BANKING OMBUDSMAN SCHEME During the period under review, the Bank complied with the provisions of the Banking Ombudsman Scheme, 2006 by submitting as well as presenting all relevant data, records and comments, as advised by the Competent Authority. During the period 44 no. of complaints were lodged before the Hon ble Banking Ombudsman, N E Region, of which 40 no. of cases have been resolved by mutual conciliation process. No Awards were passed by the Hon ble Banking Ombudsman against the Bank, during the period under review. CELEBRATION OF 11th ANNIVERSARY The amalgamated Bank has completed eleventh glorious years of its existence on the 12th of January, 2017. To mark the occasion, Bank had organized a Customers Meet at Hotel Gateway Grandeur Guwahati where the Premium Customers of the Bank were felicitated. Customer meets were also held at different branches and Offices of the Bank. Moreover, to promote digital transactions among the rural masses, the bank has conducted 13 no. of Digital Financial Literacy Awareness Programmes on 12.01.2017 on the occasion of its 11th Anniversary. Further, to mark the occasion, Regional Offices had organized Sit and Draw contests among the school children involving all branches. OBSERVANCE OF VIGILANCE AWARENESS WEEK The Bank observed Vigilance Awareness Week from 31.10.2016 to 05.11.2016 in accordance with the CVC guidelines. On this special occasion, the Chairman of the Bank, Sri Sanjaya Nand administered the Vigilance Pledge to staff of Head Office. Sri Ajit Kumar Neog, Chief Manager, Vigilance Department explained the objective of the function and the importance of this year s theme Public participation in promoting integrity and eradicating Corruption. To mark the occasion, a Seminar was also organised on 02.11.2016 at BSNL Multipurpose Hall, Guwahati. Sri Kuladhar Saikia, IPS, Director General of Police (Law and Order), Assam Police graced the occasion as Chief Guest and Sri Samir Baruah, Ex-General Manager, Indian Overseas Bank and Director APGCL attended the function as Distinguished Guest, Sri S.S. Singh, DGM, Northeast Network & Business Development, UBI, Guwahati was also present in the event. The Vigilance Awareness Week was also observed across the Regional Offices and branches by organizing awareness programs at panchayat level. DONATION TO CHIEF MINISTER S RELIEF FUND As decided by the Hon ble Board of Directors of the Bank, Chairman of the Bank handed over a cheque to Hon ble Chief Minister at his office of `25,00,000/- (Rupees twenty five lakh) to the Chief Minister s Relief Fund of Govt. of Assam on 01-09-2016. 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 19

INDUSTRIAL RELATION Consequent upon amalgamation of the Bank, the Officers of the Bank are represented by the Assam Gramin Vikash Bank Officers Association and all the workmen employees are represented by the Assam Gramin Vikash Bank Employees Association. Both the Associations are registered with the Registrar of Trade Unions, Assam and have also been accorded recognition by the Bank. Periodical discussions are held with the associations on their Charter of Demands and to sort out various issues raised by them from time to time and also to apprise them the progress made by the Bank in business development, recovery etc. The atmosphere of the talks has always been cordial and co-operative. The Bank has been trying its best to address the issues raised by the Associations and in fact quite a number of issues have been settled across the table. BOARD OF DIRECTORS During the Financial Year 2016-17 (from 01-04-2016 to 31-03-2017), five meetings of the Board of Directors were held. Further, following changes have taken place in the Board of Directors during this period. Outgoing Director From & To Incoming Director From Shri Shio Shankar Singh Chairman Assam Gramin Vikash Bank Head Office, Guwahati Shri M.T. Muanding Guite, Assistant General Manager, Consumer Education & Protection Cell Reserve Bank of India, Guwahati Shri Nabarun Dey Purkaystha, DGM & CRM, United Bank of India Guwahati Regional Office Smt. Laya Madduri, IAS, Joint Secretary, Finance Deptt., Govt. of Assam Shri Simanta Thakuria, IAS, Commissioner & Secretary, Finance Deptt., Govt. of Assam 02-11--2012 to 17-10-2016 03-08--2015 to 28-07-2016 28-04-2014 to 24-05-2016 06-11-2015 to 26-09-2016 04-06-2015 to 27-03-2017 Shri Sanjaya Nand Chairman Assam Gramin Vikash Bank Head Office, Guwahati Shri Abhishek Kumar Sinha, Assistant General Manager, Human Resource Management Department Reserve Bank of India, Guwahati Shri Raj Kishore Nayak, AGM & CRM, United Bank of India Guwahati Regional Office Smt. Eva Deka, Director, Finance (Institutional Finance) Deptt. Govt. of Assam Shri Kishore Thakuria, Joint Secretary, Finance (Audit & Fund) Dept. Govt. of Assam 20 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 18-10-2016 29-07-2016 25-05-2016 27-09-2016 28-03-2017 The Board of Directors placed on record its deep gratitude for valuable support and guidance extended by the outgoing Directors and heartily welcomed the new Directors of the Bank. RETIREMENT FROM SERVICE During the period under report, 88 Officers & Award Staff have retired from the service of the Bank on attaining superannuation. The Board of Directors acknowledges their contribution to the bank and also wishes happy & healthy retired life to them. OBITUARY The Board of Directors remembers with grief the untimely demise of the following members of staff of Assam Gramin Vikash Bank, namely i) Sunirmal Kanti Chakraborty, Office Assistant (M) ii) Mahendra Dutta, Office Attendant(M) iii) Krishna Kanta Das, Manager iv) Babul Chandra Konch, Office Attendant(M) v) Hrishikesh Timsina, Manager vi) Nikhil Ch. Das, Office Attendant(M) vii) Bipul Baruah, Manager viii) Ananda Kumar Nath, Office Attendant(M) ix) Bakul Ch. Das, Office Assistant(M) x) Julu Basumatary, Office Assistant(M) xi) Sankar Kumar Roy, Office Assistant(M) xii) Rajendra Sahani, Office Assistant(M) xiii) Nirban Baruah, Manager xiv) Biren Chandra Borah, Office Attendant(M) xv) Abdul Matlib Sarkar, Senior Manager and pays homage to the departed souls to rest in peace and also expresses its sympathy towards the bereaved members of their families.

A S S A M G R A M I N V I K A S H B A N K The Board of Directors puts on record its gratitude to the Govt. of India, Govt. of Assam, Reserve Bank of India, National Bank for Agriculture and Rural Development and United Bank of India for extending valued guidance and support for proper functioning of the Bank. The Board of Directors also expresses thanks to District Authorities of various districts within the area of operation of the Bank for their support and co-operation particularly for their patronage and extending support in the process of implementation of poverty alleviation programmes and recovery of overdues. The Board also expresses thanks to the millions of clientele and well wishers for extending their continuous support, co-operation and patronage to the Bank. The Board of Directors further expresses gratitude and extends sincere thanks to various training institutes-such as IIBM-Guwahati, UBI-STC, UBI-Kolkata, PMO, BIRD-Bolpur, BIRD-Lucknow, RBI, EPFO, Ministry of Labour, GoI, New Delhi, PFRDA, New Delhi, FIU, New Delhi, NACER, Bengaluru, IDRBT, Hyderabad (NABARD) and NIRD, Guwahati for delivering their best for development of human resource of the Bank. The Members of the Board place their sincere appreciation for the dedicated service rendered by all categories of staff including officers deputed from Sponsor Bank for the overall development of the Bank. The Board of Directors offers its heartiest thanks to Assam Gramin Vikash Bank Officers Association and Assam Gramin Vikash Bank Employees Association for maintaining a congenial and peaceful industrial relation in the Bank. The Board of Directors further wishes that all categories of employees of the Bank would continue to perform better by providing excellent customer service and dedication to uplift the cause of the Bank as well as rural masses. For and on behalf of Board of Directors (Sanjaya Nand) CHAIRMAN 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 21

PERFORMANCE OF THE BANK AT A GLANCE AS ON 31 ST MARCH-2017 (Amount in ` thousand) A B Sl No P A R A M E T E R S 31.03.2015 31.03.2016 31.03.2017 KEY PERFORMANCE INDICATORS 1 No. of District Covered 25 31 30 2 No. of Branches 406 410 414 Of which - a) Rural 308 309 307 b) Semi Urban 82 83 87 c) Urban 16 18 20 d) Metropolitan X X X 3 Total Staff 2145 2123 2074 Of which - Officers 1171 1149 1144 4 Deposits 74188674 73819526 79242165 Growth % 15.38-0.50 7.35 5 Borrowings Outstanding 4178269 5832137 6151441 Growth % 199.31 39.58 5.47 6 Gross Loans & Advance outstanding 39113376 41321916 41478431 Growth % 6.64 5.65 0.38 Of which (6) above i) Loans to Priority Sector 33686451 36004413 36449131 ii) Loans to Non-Priority Sector 5426925 5317503 5029300 iii) Loans to SC/ST 5751632 6574502 7192786 iv) Loans to SF/MF/AL 14902256 15754503 16762616 v) Loans to Minority Community 7390441 8483336 9635094 7 CREDIT DEPOSIT RATIO 52.72 55.98 52.34 8 Investments Outstanding 41771201 40419769 44932701 Growth % 33.21-3.24 11.17 SLR Investment outstanding 15704417 19764515 25192146 Non-SLR outstanding 26066784 20655254 19740555 AVERAGE 9 Average Deposits 64209593 70565368 76383667 Growth % 10.88 9.90 8.25 10 Average Borrowings 2171037 3873226 3860348 Growth % 64.24 78.40-0.33 11 Average Loans & Advances 36788237 39696192 40316132 Growth % 9.92 7.90 1.56 12 Average Investments 33723030 39061304 41923678 Growth % 15.39 15.83 7.33 Avg. SLR Investment % to Avg. Deposit 22.25 23.95 27.73 Average Non-SLR Investment as % to Avg. Deposit 30.76 31.40 27.15 13 Average Working Funds 67276956 73554919 91615522 22 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K Sl No P A R A M E T E R S 31.03.2015 31.03.2016 31.03.2017 C LOANS ISSUED DURING THE YEAR 14 Loans issued during the year 8903801 6848868 9455797 - Of 14 above, loans to Priority Sector 7747402 5660074 6751981 - Of 14 above, loans to Non-Priority Sector 1156399 1188794 2703816 - Of 14 above, Loans to SC/ST 1257911 822870 907277 - Of 14 above, Loans to SF/MF/AL 4337143 2256569 3787367 - Of 14 above, Loans to Minority Community 1256558 1088992 1251074 D 15 PRODUCTIVITY Per Branch 279069 280833 291596 Per Employee 52821 54235 58207 E 16 RECOVERY PERFORMANCE a) Demand 8919873 11902227 26876587 b) Recovery 6599187 8463674 15653136 c) Over dues 2320686 3438553 11223451 Recovery % (March Position for 31.03.2017) 73.98 71.11 58.24 17 Farm Sector - Demand 3602256 4417733 7308653 - Recovery 2373887 2871526 3749420 - Overdue 1228369 1546207 3559233 Recovery% (March position for 31.03.2017) 65.90 65.00 51.30 18 Non-Farm Sector -Demand 5317617 7484494 19567934 -Recovery 4225300 5592148 11903715 - Overdues 1092317 1892346 7664219 Recovery % 79.46 74.72 60.83 F 19 ASSET CLASSIFICATION a) Standard 35521973 32876806 30735011 b) Sub Standard 1071894 6029137 6098285 c) Doubtful 2519435 2414298 4627223 d) Loss 74 1675 17912 T o t a l 39113376 41321916 41478431 20 Standard Assets as % Gross Loans & Adv. outstanding 90.82 79.56 74.10 G PROFITABILITY ANALYSIS 21 Interest paid on - a) Deposits 3605406 3789715 3882843 b) Borrowings 176034 287297 269864 22 Staff Expenses 1662403 1409440 1593043 23 Other Operating Expenses 611679 813400 738538 24 Provisions made during the year a) Against NPAs 193316 710693 1034660 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 23

Sl No P A R A M E T E R S 31.03.2015 31.03.2016 31.03.2017 b) Other Provisions 34 2306 17155 25 Interest received on - a) Loans & Advances 3651782 3759725 3154500 b) Current A/c with Other Bank XXX XXX XXX c) Investment / approved Securities 822115 3198212 3077351 26 Misc. Income 430447 439313 1284719 27 Profit / Loss (before Tax) 655472 386011 (-)11347 H OTHER INFORMATION 28 Share capital deposit 856325 896325 896325 29 Accumulated loss Nil Nil Nil 30 Reserves 2702674 2914797 2916198 24 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K ALPS & CO. Chartered Accountants 310, TODI CHAMBERS 2,Lalbazar Street, Kolkata - 700 001 Phone : 2230 5621, 4005 1458 INDEPENDENT AUDITOR'S REPORT To, The Members of ASSAM GRAMIN VIKASH BANK Report on the Financial Statements 1. We have audited the accompanying financial statements of ASSAM GRAMIN VIKASH BANK, GUWAHATI as at 31st March, 2017, which comprise the Balance Sheet as at March 31, 2017, Profit and Loss Account and Cash Flow Statement for the year then ended, and a summary of significant accounting policies and other explanatory information. Incorporated in these financial statements are the returns of 47 branches audited by us and 173 branches audited by statutory branch auditors. The branches audited by us and those audited by other auditors have been selected by the Bank in accordance with the guidelines issued to the Bank by the Reserve Bank of India/NABARD. Also incorporated in the Balance Sheet and the Statement of Profit and Loss are the returns from 7 Controlling Offices and 193 branches which have not been subjected to audit. These unaudited branches account for 25.01 per cent of advances,29.55 per cent of deposits, 25.26 per cent of interest income and 29.29 per cent of interest expenses. Management's Responsibility for the Financial Statements 2. Management is responsible for the preparation of these financial statements in accordance with Banking Regulation Act, 1949, Reserve Bank of India/NABARD guidelines from time to time and accounting standards generally accepted in India. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation of the financial statements that are free from material misstatement, whether due to fraud or error. Auditor's Responsibility 3. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement. 4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor's judgement, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Bank's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluating the overall presentation of the financial statements. s. 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 25

Opinion 5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion. 6. We are unable to express an opinion on the impact that may arise out of reconciliation of Inter Branch Transactions which is underway and elimination of outstanding entries is in process. 7. We are unable to comment on the correctness of the amount provided against Non-Performing Assets, as prudential norms regarding Income recognition and Asset Classification norms of RBI is not followed in true spirit as stated in point no. 4 (2) of schedule 17 8. Subject to the observation made in para 6 and 7 above, in our opinion, as shown by books of bank, and to the best of our information and according to the explanations given to us: (i) the Balance Sheet, read with the notes thereon is a full and fair Balance Sheet containing all the necessary particulars, is properly drawn up so as to exhibit a true and fair view of state of affairs of the Bank as at 31st March 2017 in conformity with accounting principles generally accepted in India; ii) the Profit and Loss Account, read with the notes thereon shows a true balance of profit, in conformity with accounting principles generally accepted in India, for the year covered by the account; and (iii) the Cash Flow Statement gives a true and fair view of the Cash Flow for the year ended on that date. Report on Other Legal and Regulatory Requirements 9. The Balance Sheet and the Profit and Loss Account have been drawn up in Form A and B respectively of the third schedule to the Banking Regulation Act, 1949. 10. Subject to the limitations of the audit indicated in paragraph 1 to 5 above and as required by the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980, and subject also to the limitations of disclosure required therein, we report that: a) We have obtained all the information and explanations which to the best of our knowledge and belief, were necessary for the purposes of our audit and have found them to be satisfactory. b) The transactions of the Bank, which have come to our notice have been within the powers of the Bank. c) The returns received from the offices and branches of the Bank have been found adequate for the purposes of our audit. 11. In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicable Accounting Standards. For ALPS & CO. Chartered Accountants FRN No. 313132E (A. K. KHETAWAT) Partner Membership No.052751 Place: Guwahati Date: 15. 06. 2017 26 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

PARTICULARS A S S A M G R A M I N V I K A S H B A N K ASSAM GRAMIN VIKASH BANK HEAD OFFICE: GUWAHATI (ASSAM) BALANCE SHEET AS ON 31 ST MARCH, 2017 SCHEDULE NO AS ON 31.03.2017 Amount(Rs.) AS ON 31.03.2016 Amount(Rs.) CAPITAL & LIABILITIES CAPITAL 1 896324800.00 896324800.00 RESERVES & SURPLUS 2 3402234373.60 3469852868.48 DEPOSITS 3 79242165287.32 73819525702.51 BORROWINGS 4 6151440824.78 5832137256.27 OTHER LIABILITIES & PROVISIONS 5 4234060310.50 3652306845.22 TOTAL Rs. 93926225596.20 87670147472.48 ASSETS CASH AND BALANCE WITH RESERVE BANK OF INDIA 6 3749795217.42 3760592736.72 BALANCE WITH BANKS & MONEY AT CALL & SHORT NOTICE 7 24387051875.73 22251895089.75 INVESTMENTS 8 25650149329.41 20870218010.00 ADVANCES 9 38414108790.11 38956425387.51 FIXED ASSETS 10 114859320.49 124201352.19 OTHER ASSETS 11 1610261063.04 1706814896.31 TOTAL Rs. 93926225596.20 87670147472.48 CONTINGENT LIABILITY 202821768.00 209617366.00 12 BILLS FOR COLLECTION 431393854.50 467828877.45 S. Nand M.R.K. Reddy A. K. Sinha Chairman Director Director V. GANDOTRA R. K. NAYAK K. THAKURIA Director Director Director E. DEKA S. U. LASKAR P. L. DEV MAHANTA Director Director Director Date: 15.06. 2017 Place: Guwahati For ALPS & CO. Chartered Accountants Firm Regd. No.313132E (A. K. KHETAWAT) Partner M No.052751 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 27

PARTICULARS ASSAM GRAMIN VIKASH BANK HEAD OFFICE: GUWAHATI (ASSAM) PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED: 31.03.2017 SCHEDULE NO AS ON 31.03.2017 Amount(Rs.) AS ON 31.03.2016 Amount(Rs.) I. INCOME INTEREST EARNED 13 6231851486.86 6957937486.32 OTHER INCOME 14 1284718929.93 439312557.60 TOTAL Rs. 7516570416.79 7397250043.92 II. EXPENDITURE INTEREST EXPENDED 15 4152706853.73 4077012758.48 OPERATING EXPENSES 16 2331581068.52 2231786482.19 PROVISION & CONTINGENCY 1043629211.83 702439815.01 TOTAL Rs. 7527917134.08 7011239055.68 III. PROFIT / LOSS Net Loss for the year before taxation -11346717.29 386010988.24 Less : Provision for Income Tax 0.00 122500000.00 Add : Excess provision of Income Tax written back 12747852.00 0.00 Less : Deferred Tax Liability 0.00 0.00 Add : Deferred Tax Asset 4221975.00 1777418.00 NET PROFIT AFTER TAX 5623109.71 265288406.24 IV. APPROPRIATIONS Transfer to Special (Statutory) Reserve 1124621.94 53057681.25 Transfer to Special (Capital) Reserve 0.00 29359597.75 Transfer to General/Revenue Reserve 4498487.77 132871127.24 Transfer to Technology/Obsolence Fund 0.00 50000000.00 TOTAL 5623109.71 265288406.24 V. EARNING PER SHARE Face Value 10.00 10.00 Basic and Diluted Earning per Share 0.06 62.66 SIGNIFICANT ACCOUNTING POLICIES AND NOTES ON ACCOUNTS 17 S. Nand M.R.K. Reddy A. K. Sinha Chairman Director Director V. GANDOTRA R. K. NAYAK K. THAKURIA Director Director Director Date: 15.06. 2017 Place: Guwahati E. DEKA S. U. LASKAR P. L. DEV MAHANTA Director Director Director For ALPS & CO. Chartered Accountants Firm Regd. No.313132E (A. K. KHETAWAT) Partner M No.052751 28 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K SCHEDULES ANNEXED TO & FORMING PART OF BALANCE SHEET AS ON 31 ST MARCH, 2017 PARTICULARS AS ON 31.03.2017 Amount(Rs.) AS ON 31.03.2016 Amount(Rs.) SCHEDULE :01 : CAPITAL Authorised Capital 2000000000 shares of `10/- each 20000000000.00 20000000000.00 Subscribed 89632480 shares of `10/- each Paid up Capital 50% Govt. of India 448162400.00 448162400.00 15% Govt. of Assam 134448700.00 134448700.00 35% United Bank of India 313713700.00 313713700.00 TOTAL Rs. 896324800.00 896324800.00 SCHEDULE : 02 : Reserve & Surplus A. Special (Statutory) Reserve Opening Balance 573032984.41 519975303.16 Less : Withdrawals 0.00 0.00 Additions during the year 1124621.94 53057681.25 Closing Balance 574157606.35 573032984.41 B. Special (Capital) Reserve Opening Balance 301879048.32 272519450.57 Less : Withdrawals 0.00 0.00 Additions during the year 0.00 29359597.75 Closing Balance 301879048.32 301879048.32 C. General/Revenue Reserve (i) General/Revenue Reserve Opening Balance 2043049678.75 1910178551.51 Less : Withdrawals 0.00 0.00 Additions during the year 4498487.77 132871127.24 Closing Balance 2047548166.52 2043049678.75 (ii) Investment Fluctuation Reserve Opening Balance 501891157.00 496465290.00 Less : Withdrawals 73241604.59 0.00 Additions during the year 0.00 5425867.00 Closing Balance 428649552.41 501891157.00 (iii) Technology/Obsolence Fund Opening Balance 50000000.00 0.00 Less : Withdrawals 0.00 0.00 Additions during the year 0.00 50000000.00 Closing Balance 50000000.00 50000000.00 TOTAL (A+B+C) 3402234373.60 3469852868.48 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 29

PARTICULARS AS ON 31.03.2017 Amount(Rs.) AS ON 31.03.2016 Amount(Rs.) SCHEDULE : 03 : Deposits A. i) Demand Deposits a) From Banks 0.00 0.00 b) From Others 4410361824.46 4137884846.78 ii) Savings Bank Deposits 48164090619.68 43379833860.50 iii) Term Deposits a) From Banks 0.00 0.00 b) From Others 26667712843.18 26301806995.23 TOTAL Rs. 79242165287.32 73819525702.51 B i) Deposit of Branches in India 79242165287.32 73819525702.51 ii) Deposit of Branches outside India 0.00 0.00 TOTAL Rs. 79242165287.32 73819525702.51 SCHEDULE : 04 : Borrowings A. Borrowings in India i) Reserve Bank of India 0.00 0.00 ii) NABARD 3703120778.00 3259733886.00 iii) Other Banks a) Sponsor Bank 1965561046.78 1991492870.27 b) NHB 466300000.00 533100000.00 c) SBI 0.00 0.00 iv) Other Institutions & Agencies 16459000.00 47810500.00 B. Borrowings Outside India 0.00 0.00 TOTAL Rs. 6151440824.78 5832137256.27 Secured borrowings included in A & B above 6151440824.78 5832137256.27 SCHEDULE : 05 : OTHER LIABILITIES & PROVISIONS i) Bills Payable ( As per Annexure - I ) 394846062.44 349657811.92 ii) Inter Office Adjustment (Net) 0.00 0.00 iii)interest Accrued ( As per Annexure - II ) 762483228.36 755224207.19 iv) Others including Provisions ( As per Annexure -III ) 3076731019.70 2547424826.11 TOTAL Rs. 4234060310.50 3652306845.22 SCHEDULE : 06: CASH & BALANCE WITH RESERVE BANK OF INDIA i) Cash in hand 519218007.60 830875011.94 ii) Balance with Reserve Bank of India a) In Current Accounts 3230577209.82 2929717724.78 TOTAL Rs. 3749795217.42 3760592736.72 SCHEDULE: 07 BALANCES WITH BANKS & MONEY AT CALL & SHORT NOTICE A. In India i) Balances with Banks a) In Current Accounts 5668835320.07 3269478008.11 b) In Other Deposit Accounts 18718216555.66 18982417081.64 30 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K PARTICULARS AS ON 31.03.2017 Amount(Rs.) AS ON 31.03.2016 Amount(Rs.) 24387051875.73 22251895089.75 ii) Money at call & Short Notice 0.00 0.00 24387051875.73 22251895089.75 B. Outside India 0.00 0.00 TOTAL Rs. 24387051875.73 22251895089.75 SCHEDULE : 08 : INVESTMENTS I. Investment in India in i) Government securities 24640823072.41 19209341076.00 ii) Mutual Funds 0.00 500000000.00 iii) Share of Co-Op. Societies 500.00 500.00 iv) In Debentures & Bonds 1009325757.00 1160876434.00 v) Others 0.00 0.00 II) Investments outside India 0.00 0.00 TOTAL Rs. 25650149329.41 20870218010.00 Grand TOTAL Rs. 25650149329.41 20870218010.00 SCHEDULE : 09 : ADVANCES A. i) Bill Purchased & Discounted 0.00 0.00 ii) Cash Credit, Overdraft and Loan repayable on Demand 17626116404.25 16718334549.95 iii) Term Loans 20787992385.86 22238090837.56 TOTAL Rs. 38414108790.11 38956425387.51 B. i) Secured by tangible Assets 36986909171.80 37684503339.20 ii) Secured by Bank / Govt. Guarantees/ ECGC / CGTMSE 477633387.00 1093523573.00 iii) Unsecured 949566231.31 178398475.31 TOTAL Rs. 38414108790.11 38956425387.51 C. I. Advances in India i) Priority Sector 36788184389.15 36004432289.39 ii) Public Sector 0.00 0.00 iii) Banks 0.00 0.00 iv) Others 1625924400.96 2951993098.12 II Advances outside India 0.00 0.00 TOTAL Rs. 38414108790.11 38956425387.51 D. i) Standard Assets 30735011411.87 32876805479.86 ii) Sub-Standard Assets 5071134088.92 5124765883.95 iii) Doubt Assets a) Doubtful Assets - I 2027871090.19 347921128.72 b) Doubtful Assets - II 577318112.13 606056102.48 c) Doubtful Assets - III 2774087.00 876792.50 d) Loss 0.00 0.00 TOTAL Rs. 38414108790.11 38956425387.51 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 31

PARTICULARS AS ON 31.03.2017 Amount(Rs.) AS ON 31.03.2016 Amount(Rs.) SCHEDULE : 10 FIXED ASSETS i) Land At cost as on 31st March of Preceding year 4500000.00 4500000.00 Addition during the year 0.00 0.00 4500000.00 4500000.00 ii) Premises 11400000.00 11400000.00 Less - Depreciation to date on premises 2225290.01 1742410.54 9174709.99 9657589.46 iii) Other Fixed Assets At cost as on 31st March of Preceding year 434744182.38 379210651.75 Addition during the year on other Fixed Assets 43073525.45 64453297.29 477817707.83 443663949.04 Less - Deduction during the year 63610415.57 8919766.66 414207292.26 434744182.38 Add - Adjustment during the year 0.00 0.00 414207292.26 434744182.38 Less - Depreciation to date on other Fixed Assets 313022681.76 324700419.65 101184610.50 110043762.73 TOTAL Rs. 114859320.49 124201352.19 SCHEDULE : 11 : OTHER ASSETS i) Inter Office Adjustment (Net) 45851023.88 31910389.00 ii) Interest accrued on Investment 1208564445.00 1117714649.00 iii) Interest accrued on Advance 173173287.25 145159495.49 iv) Tax paid in Advance/deducted at source 81601633.05 290298689.05 v) Stationery & Stamps 23590004.45 22993617.15 vi) Suspense A/c HO & Branches 1420544.34 1816596.00 vii) Others ( As per Annexure - IV ) 76060125.07 96921460.62 TOTAL Rs. 1610261063.04 1706814896.31 SCHEDULE:12: CONTINGENT LIABILITIES i) Claims Against the Bank not acknowledged as debts 0.00 0.00 ii) Liabilities for partly paid Investments 0.00 0.00 iii) Liability on account of Outstanding Forward Exchange Contracts 0.00 0.00 iv) Guarantee given on behalf of constituents in India 200660529.00 207728316.00 v) Acceptance, Endorsements and Other Obligations 0.00 0.00 vi) Other items for which the bank is contingently liable 2161239.00 1889050.00 TOTAL Rs. 202821768.00 209617366.00 32 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K PARTICULARS AS ON 31.03.2017 Amount(Rs.) AS ON 31.03.2016 Amount(Rs.) SCHEDULE : 13 : INTEREST EARNED i) Interest/discount on Advances/Bills 3154500934.51 3759725256.17 ii) Income on Investments (including interest on F.D. with Banks) 3043977192.35 3198212230.15 iii) Others 33373360.00 0.00 TOTAL Rs. 6231851486.86 6957937486.32 SCHEDULE : 14 : OTHER INCOME i) Commission, Exchange & brokerage 47400736.88 96476273.23 ii) Profit on sale of Investment 931134113.87 84399284.86 iii) Profit on sale proceeds of newspaper etc. 51920.00 41322.48 iv) Profit on sale of Land, Building and Other Assets 4651292.19 2901018.18 v) Recovery in Bad debt written off 76988920.39 40099759.78 vi) Miscellaneous Income ( details in Annexure V ) 224491946.60 215394899.07 TOTAL Rs. 1284718929.93 439312557.60 SCHEDULE :15 : INTEREST EXPENDED i)interest on Deposit 3882843164.97 3789714961.48 ii)interest to NABARD/SIDBI 265063409.00 281119389.00 iii)interest to Bank on Borrowing 4800279.76 6178408.00 TOTAL Rs. 4152706853.73 4077012758.48 SCHEDULE : 16 : OPERATING EXPENSES i) Payment to Employees (including deputed staff) 1593042821.06 1409439583.44 ii) Rent,Taxes & Lighting 96003612.91 88774480.37 iii) Printing & Stationery 21530342.94 19217613.44 iv) Advertising & Publicity 1327834.00 1974122.00 v) Depreciation on Banks Property 28332028.99 39976294.25 vi) Audit Fees & Exp. ( including Branch Auditors ) 7381114.50 9224611.50 vii) Law & Professional Charges 6862108.50 3649995.40 viii) Postage, Telegrams, Telephone etc. 4781954.75 4025468.92 ix) Car Maintenance 692086.00 1560672.01 x) Other Repairs & Maintenance 5179826.29 3562729.55 xi) Insurance 10057562.50 6416601.50 xii) Other Expenditure ( As per Annexure - VI ) 556389776.08 643964309.81 TOTAL Rs. 2331581068.52 2231786482.19 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 33

ANNEXED TO & FORMING PART OF BALANCE SHEET AS ON 31 ST MARCH, 2017 ANNEXURE - I DETAILS OF BILLS PAYABLE PARTICULARS AS ON 31.03.2017 AS ON 31.03.2016 Amount(Rs. ) Amount(Rs. ) Demand Draft Payable 299918841.30 219695431.03 Stale remittance 3627155.21 3577146.21 Pay order 91297136.93 126382305.68 Gift Cheque payable 2929.00 2929.00 Total Rs. 394846062.44 349657811.92 ANNEXURE -II DETAILS OF INTEREST ACCRUED PARTICULARS AS ON 31.03.2017 AS ON 31.03.2016 Amount(Rs. ) Amount(Rs. ) On Deposit 727339138.36 721231035.19 On Borrowings from NABARD 35144090.00 33993172.00 Total Rs. 762483228.36 755224207.19 ANNEXURE : III DETAILS OF OTHER LIABILITIES ( INCLUDING PROVISIONS ) PARTICULARS AS ON 31.03.2017 AS ON 31.03.2016 Amount(Rs. ) Amount(Rs. ) Marginal Deposit 1514322611.41 1874314962.04 Outstanding Income Tax 8730458.68 14422462.15 Outstanding Professional Tax on Salary 46656.00 62694.00 Outstanding House Rent A/c 761303.00 913622.00 Outstanding GSLI Premium 0.00 524990.00 Outstanding EPF A/c 8076127.32 8051148.52 Security Deposit 2987499.00 5850800.00 Grant Assistance SHPI 1577449.00 1540256.00 Outstanding Bills for expenses 53782.00 13284471.44 Insurance Premium Collection/Payable A/C 29389757.21 14570457.03 Venture Capital Fund Payable 21806906.00 21806906.00 Audit fees & Expenses payable 4548733.00 6647938.50 Provision against Standard Advances 84696436.79 92883119.00 Provision for loss on mis-appropriation of bank s fund 50812459.55 71404658.07 Provision on Inter Office adjustment 17155562.54 0.00 Oustanding salary bill 3457415.23 3091723.70 Provision for Income Tax 0.00 0.00 RTGS/NEFT Transit A/c 1306514539.07 402680348.83 ATM Payable 21793323.90 15374268.83 Total Rs. 3076731019.70 2547424826.11 34 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K ANNEXED TO & FORMING PART OF BALANCE SHEET AS ON 31 ST MARCH, 2017 ANNEXURE : IV : DETAILS OF OTHER ASSETS ( INCLUDING PROVISIONS ) PARTICULARS AS ON 31.03.2017 Amount(Rs. ) AS ON 31.03.2016 Amount(Rs. ) Deferred Tax Assets 7386630.00 3164655.00 Suspense Accounts ( Net of Provision) 38120110.97 41244207.16 Law Charges Recoverable 433161.60 0.00 Temporary Advance to staff 2837893.00 1831804.19 Festival Advance 18512827.11 20311220.11 Security Deposit for Meter,Telephone & F.Machine 3251406.39 3015512.39 Clearing Adjustment A/C 9958.00 20403632.27 DEAF Receivable from RBI 1452.00 1452.00 Commission rent etc. Receivable 5506686.00 6948977.50 Total Rs. 76060125.07 96921460.62 ANNEXED TO & FORMING PART OF PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31 ST MARCH, 2017 ANNEXURE : V : DETAILS OF MISCELLANEOUS INCOME PARTICULARS AS ON 31.03.2017 Amount(Rs. ) AS ON 31.03.2016 Amount(Rs. ) Incidental Charges 89470034.74 84980288.98 Service Charges 83922839.41 87880906.02 Evaluation Charges & Processing Charges 50125576.45 41822765.57 Locker Rent 973496.00 710938.50 Total Rs. 224491946.60 215394899.07 DETAILS OF PROVISIONS & CONTINGENCIES PARTICULARS AS ON 31.03.2017 Amount(Rs. ) AS ON 31.03.2016 Amount(Rs. ) Provision against NPA 1034660331.50 710692551.01 Provision against Standard Advance -8186682.21-8252736.00 Provision on Inter Office adjustment 17155562.54 0.00 Total Rs. 1043629211.83 702439815.01 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 35

ANNEXED TO & FORMING PART OF PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31 ST MARCH, 2017 ANNEXURE : VI : DETAILS OF OTHER EXPENDITURE PARTICULARS AS ON 31.03.2017 AS ON 31.03.2016 Amount (Rs. ) Amount (Rs. ) Remittance Expenses 12179575.50 6666577.00 Commission and other Bank Charges 2335885.84 1204915.85 Clearing House Charges 2025206.94 1445130.73 News Papers & Periodicals 4533236.10 4543801.50 Sanitation 32848558.56 27988795.13 Entertainment 25365.00 21594.00 Meeting expenses 1331055.99 1450501.00 Conveyance Expenses 20444956.48 13956967.88 Travelling Expenses 10208349.96 9208915.35 Freight & Coolie 709599.00 1346355.00 Business development 4154619.00 3162332.00 Insurance on Deposit to DICGCI 71782174.00 65625676.00 Training Cost 2743379.00 469269.00 Examination Cost 108554.00 284909.00 Institutional membership subscription 186855.00 163804.00 Incentive & Honorarium 29088.00 282000.00 Gratuity Premium 161619682.00 276336792.00 Donation/Corporate Social Responsibility 2500000.00 2500000.00 Administrative Charges EPF 3647243.00 3408885.00 Staff welfare (Exgratia) 606189.00 1119379.60 Net Expenses for CBS/CBS others 65302833.62 81613040.70 RSETI 4343031.00 3602369.99 Misappropriation/Fraud /Dacoity 3461978.48 8946625.00 Service Charge 149262360.61 128615674.08 Total Rs. 556389776.08 643964309.81 36 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K ASSAM GRAMIN VIKASH BANK HEAD OFFICE: GUWAHATI (ASSAM) Schedule 17 NOTES ON ACCOUNTS TO THE BALANCE SHEET AND PROFIT & LOSS ACCOUNT FOR THE YEAR 2016-17 A) SIGNIFICANT ACCOUNTING POLICIES: 1. BASIS OF PREPARATION OF FINANCIAL STATEMENTS The accompanying financial statements are prepared on historical cost basis, except as otherwise stated, following the Going Concern concept and conform to the Generally Accepted Accounting Principles (GAAP) in India, applicable statutory provisions, regulatory norms prescribed by the Reserve Bank of India (RBI), applicable mandatory Accounting Standards (AS) / Guidance Notes / pronouncements issued by Institute of Chartered Accountants of India (ICAI) and practices prevailing in the banking industry in India. 2. USE OF ESTIMATES The preparation of financial statements requires the management to make estimates and assumptions for considering the reported assets and liabilities (including contingent liabilities) as on the date of financial statements and the income and expenses for the reporting period. Management believes that the estimates used in the preparation of the financial statements are prudent and reasonable. 3. A) INVESTMENTS a) Profit & Loss on sale of investment is taken to the profit & loss account as other income. b) Broken period interest received on Govt. securities is taken to Profit and Loss account and similarly Brokerage, Commission and Broken period interest paid is charged to Profit & Loss account. c) Investments are categorized as (1) Govt. Securities, (2) Other Approved Securities, (3) Shares, (4) Bonds and Debentures and (5) Others. (i) In accordance with the Reserve Bank of India guidelines, Investments under Govt. Securities are classified into (i) Held to maturity, (ii) Held for trading and (iii) Available for sale. The securities acquired by the Bank with an intention to hold till maturity is classified as Held to maturity. Held for trading category comprised Securities acquired by the Bank with intention of trading. The securities which do not fall within the above two categories are classified as Available for sale. (ii) Investments classified under Held to maturity are carried at cost and premium is amortised over the remaining period of maturity of the individual securities. (iii) Investments classified under Held for trading and Available for sale are marked to market and are valued as per price declared by FIMMDA and accordingly if net result is appreciation, the same is ignored and if it is depreciation, the same is charged to the Profit & Loss a/c. d) Bonds, Debentures, Shares and other long term investments have been categorized under current category. B) CASH INSURANCE: a) Settlement of Insurance claim has been taken on cash basis. b) Payment of Premium against Bankers Indemnity Policy has been taken on actual payment basis. 4. ADVANCES: All advances are classified into Performing and Non- Performing as per prudential norms regarding Income Recognition and Asset Classification (IRAC) laid down by RBI. Non Performing Advances (NPA) are classified into Sub-standard, Doubtful and Loss assets. Provisions are arrived at in accordance with the prudential norms prescribed by RBI, which is as under: 1. a) Standard assets @ 0.25% for Agriculture & SME and 0.40% on other assets except Real Estate Advances which is 1%, computed over the balance outstanding as per RBI guidelines. b) Sub-Standard assets @ 15% on the secured portion and 25% on unsecured portion on the balance outstanding. c) Doubtful assets Category D-I @ 25% on the secured portion and 100% on unsecured portion. Category D-II @ 50% on the secured portion and 100% on unsecured portion. Category D-III @100% on the balance outstanding irrespective of security. d) Loss Assets - @100% on the balance outstanding irrespective of security 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 37

2. Bank is yet to adopt the GOI guidelines in terms of identification of all NPAs in a fully system driven environment. Bank continues to do manual intervention for identification and declaration of NPA. It may reveal that if the system driven IRAC norms of RBI is implemented, the NPA amount is much higher than that of the declared amount. The same is also revealed from analysis of gap between accrued income and realised income. 3. Advances are stated in the Balance Sheet is net of provision made against Non-Performing Assets. Provisions made against Standard Advances is shown in the Balance Sheet as Other Liabilities & Provisions. 5. FIXED ASSETS & DEPRECIATION: a) Fixed assets are stated at cost less depreciation. b) Depreciation has been provided for on written down value/straight line method at the rates prescribed by the Bank as stated below. The assets which are purchased during the year, depreciation on such assets has been provided on prorata basis i.e. for the number of days from the date of purchase till end of the year. Further no depreciation is provided on the assets which are sold / discarded irrespective of the period of use during the year. The depreciation on various categories of fixed assets during the year has been charged at the following rates: 1 Premises 5% 2 Furniture & Fixture 19% 3 Electric Fittings 14% 4 Office Machinery 14% 5 Motor Car/Van 26% 6 Cycle 20% 7 Locker 10% 8 Temporary Construction 10% 9 Computer (on Straight line Method) 33.33% 6. REVENUE RECOGNITION: a) All items of Income & Expenditure are accounted for on accrual basis or otherwise stated elsewhere. b) Interest on advances and investments are recognized on a time proportion basis taking into account the amount outstanding & the rate of interest applicable except in the case of non performing advances and investments where interest has been recognized to the extent realized in accordance with the guidelines issued by the RBI/NABARD. In respect of advances classified as non-performing assets for the first time during the year, the income accounted for during the year & remaining unrealized at the year-end has been reversed. c) Commission earned, locker rent, interest on non performing investment, interest on matured term deposits are accounted for on Cash basis. d) The Bank s operation are solely in the Banking Service Industry including investment/treasury operations. 7. RETIREMENT BENEFIT: 7.1 Employee Benefits are recognized in accordance with AS-15 on Employee Benefits 7.2 Short term employee benefits namely Leave Fare Concession and Medical Aid are measured at cost. 7.3 Long term Employee benefits and post-retirement benefits namely gratuity, pension and leave encashment are measured on a discounted basis under the Projected Unit Credit Method on the basis of annual third party actuarial valuations. 8. OTHER PROVISIONS During the year under review, an amount of Rs.1,71,55,562.54 has been provided against net outstanding entries of old General Accounts of one of the constituent bank. 9. TAXATION Provision made for deferred taxes in accordance with AS-22 on Accounting for Taxes on Income. 38 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K 10. APPROPRIATION OF PROFIT 20% of total Profit after tax has been appropriated to Special (Statutory) Reserve and the balance to General/ Revenue Reserve. 11. AS 20 EARNINGS PER SHARE (Amount in lakhs) Particulars 31-03-2017 31-03-2016 Net Profit/(Loss) after tax available for Equity Share Holders (`) 56.23 2652.88 Weighted Average number of Equity Shares 89632480 4233969 Basic and Diluted earnings per Share (`) 0.06 62.66 Nominal Value per Share (`) 10 10 B) NOTES ON ACCOUNTS: 1. RECONCILIATION: Bank is in process of Reconciliation and clearance of old outstanding entries of Inter office/ Inter Branch transactions. It is worth mentioning that the data entry in respect of inter branch transaction has been completed up to 31.03.2017. Transaction of this account has been centralised w.e.f 16.08.2014 and reconciliation of centralised account is up to date.further, as on 31.03.2017, AGVB draft issue and payment have been matched in regard to all the branches up to 31.03.2013 and data entry for reconciliation of this account has been completed upto 31.03.2016. Bank has started Centralised Demand Draft a/c w.e.f. 01.04.2012 and all Demand Drafts are now issued & paid from this account. The centralized DD is reconciled as on 31.03.2017. Further Centralised Bankers Cheque has been introduced from 16.05.2014 and the same is reconciled upto 31.03.2017. Reconciliation of old General Accounts of one of the constituent bank are still pending and presently there is a net difference of Rs.17155562.54, the same has been fully provided by the bank. Reconciliation of balances of Books of Accounts of all the branches except stated above has also been completed. 2. INVESTMENTS Additional depreciation of Rs.7,32,41,604.00 (net of withdrawal of Rs.14,75,54,868.00) has been shifted from Investment Fluctuation Reserve to Depreciation of Investment. 3. ADDITIONAL DISCLOSURES. In terms of guidelines issued by the RBI/NABARD additional disclosures are as under: a. Capital Sr. No. Particulars 31.03.2017 31.03.2016 i. CRAR (%) 11.58 11.51 ii CRAR Tier I Capital (%) 10.20 9.96 iii. CRAR Tier II Capital (%) 1.38 1.55 iv. Percentage of shareholding of the a. Government of India 50 50 b. State Government (Government of Assam) 15 15 c. Sponsor Bank (United Bank of India) 35 35 b. Investments (Rs. Lakh) Sr. No. Particulars 31.03.2017 31.03.2016 1. Value of Investments i. Gross value of Investments 449327.01 404197.69 ii Provisions for Depreciation 5643.35 5671.34 iii. Net Value of Investments 443683.66 398526.35 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 39

2. Movement of provisions held towards depreciation of investments i. Opening Balance 5634.71 5631.51 ii. Add : Provisions made during the year 1993.37 1976.01 iii. Less : Write off/write back of excess provisions during the year 2021.36 1972.81 iv. Closing Balance 5606.72 5634.71 c. (i) Non- SLR Investment portfolio (i) Issuer composition of Non SLR Investments Sl. No. Issuer Amount Extent of private placement Extent below investment grade securities Extent of unrated securities (`. Lakh) Extent of unlisted securities 1 PSUs 7675.90 7675.90 NIL NIL NIL 2 FIs 2010.85 2010.85 NIL NIL NIL 3 Banks 500.00 500.00 NIL NIL NIL 4 Private corporate 0.00 0.00 NIL NIL NIL 5 Others 36.63 36.63 NIL NIL NIL TOTAL 10223.38 10223.38 NIL NIL NIL Provision held towards depreciation 36.63 36.63 NIL NIL NIL (ii) Non-performing Non-SLR Investments Sl.No. Particulars 2016-17 2015-16 1 Opening balance 36.63 36.63 2 Additions during the year 0.00 0.00 3 Reductions during the year 0.00 0.00 4 Closing Balance 36.63 36.63 5 Total provisions held 36.63 36.63 (`. Lakh) 4. Asset Quality 4.1. a) Non-Performing Asset (` Lakh) Sr. No. Particulars 31.03.2017 31.03.2016 i. Percentage of net NPA to net Advances: 19.99 15.61 ii. Movement of NPAs (a) Gross NPA at the beginning of the year 84451.10 35914.03 (b) Additions (Fresh NPAs) during the year 60982.85 75052.37 Sub-Total (A) 145433.95 110966.40 (C) Less : Upgradations 2911.00 11637.71 Recoveries (excluding recoveries made from upgraded accounts) 31729.75 10265.00 Write offs 3359.00 4612.59 Sub-Total (B) 37999.75 26515.30 Closing Balance 107434.20 84451.10 40 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K Sr. No. Particulars 31.03.2017 31.03.2016 iii. iv. Movement of Net NPAs (a) Opening Balance 60796.20 14756.72 (b) Additions during the year 50711.34 67945.44 (c) Reductions during the year 34716.57 21905.96 (d) Closing Balance 76790.97 60796.20 Movement of provisions for NPAs (excluding provisions on standard assets) (a) Opening Balance 23654.90 21157.31 (b) Provisions made during the year 10346.61 7106.93 (c) Write Off/write-back of excess provisions 3358.28 4609.34 (d) Closing Balance 30643.23 23654.90 b) Calculation of NPA Provision coverage ratio (` Lakh) Particulars 31.03.2017 31.03.2016 Total Non-Performing Assets 107434.20 84451.10 Total Provision Held 30643.23 23654.90 Provision Coverage Ratio 28.52 28.01 c) Category wise classification of provision against Non-performing advances (` Lakh) Sl No. Category of advance Gross Amount Cumulative Provision Net Advance 1 Standard* 307350.11 846.97 307350.11 2 Sub-Standard Assets 60982.85 10271.51 50711.34 3 Doubtful Assets - I 28614.84 8336.13 20278.71 4 Doubtful Assets - II 12901.68 7128.50 5773.18 5 Doubtful Assets III/ Loss Assets 4934.83 4907.09 27.74 Total 414784.31 31490.20 384141.08 * Not netted with Provisions 4.2. Details of Loan Assets subject to Restructuring (` Lakh) Sr. No. i. ii iii. iv. Particulars 31.03.2017 31.03.2016 Total amount of loan assets subject to restructuring, rescheduling, renegotiation The amount of Standard assets subject to restructuring, rescheduling, renegotiation The amount of Sub-Standard assets subject to restructuring, rescheduling, renegotiation NIL 900.00 NIL 900.00 The amount of Doubtful assets subject to restructuring, rescheduling, renegotiation NIL NIL Note [(i) = (ii) + (iii) + (iv)] NIL 900.00 NIL NIL 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 41

4.3 Details of financial assets sold to Securitization (SC)/Reconstruction Company (RC) for Asset Reconstruction (` Lakh) Sr. No. Particulars 31.03.2017 31.03.2016 i. No. of Accounts NIL NIL ii Aggregate value (net of provisions) of accounts sold to SC/RC NIL NIL iii. Aggregate consideration NIL NIL iv. Additional consideration realized in respect of accounts transferred in earlier years NIL NIL v. Aggregate gain/loss over net book value NIL NIL 4.4. Details of non-performing financial assets purchased (` Lakh) Sr. No. Particulars 31.03.2017 31.03.2016 1(a) No. of Accounts purchased during the year NIL NIL (b) Aggregate outstanding NIL NIL 2(a) Of these, number of accounts restructured during the year NIL NIL (b) Aggregate outstanding NIL NIL 4.5. Details of non-performing financial assets sold (` Lakh) Sr. No. Particulars 31.03.2017 31.03.2016 1. No. of Accounts sold NIL NIL 2. Aggregate outstanding NIL NIL 3. Aggregate consideration received NIL NIL 4.6 Provisions of Standard Assets (` Lakh) Sr. No. Particulars 31.03.2017 31.03.2016 (i) Provisions made towards Standard Assets (-) 81.87 (-) 82.53 4.7 Concentration of Deposits, Advances, Exposures and NPAs i) Concentration of Deposits (` in Crores) Total Deposits of twenty largest depositors 400.81 Percentage of Deposits of twenty largest depositors to Total Deposits of the bank 5.06 ii) Concentration of Advances (` in Crores) Total Advances to twenty largest borrowers 107.95 Percentage of Advances to twenty largest borrowers to Total Advances of the bank 2.60 iii) Concentration of Exposures (` in Crores) Total Exposures of twenty largest borrowers/customers 116.92 Percentage of Exposures to twenty largest borrowers/customers to Total Exposure of the bank on borrowers/customers 2.82 iv) Concentration of NPAs (` in Crores) Total Exposure to top four NPA accounts 37.06 42 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K 4.8 Sector-wise NPAs Sl No. Sector Current Year Previous Year Outstanding Total Advances Gross NPAs Percentage of Gross NPAs to Total Advances in that Sector Outstanding Total Advances Gross NPAs (` Crore) Percentage of Gross NPAs to Total Advances in that Sector A Priority Sector 1 Agriculture and Allied Activities 1857.93 270.25 14.55 1697.81 186.43 10.98 2 Advances to industries sector eligible as priority 435.36 151.12 34.71 417.06 121.85 29.22 sector lending 3 Services 1039.73 352.80 33.93 1190.60 319.83 26.86 4 Personal loans 311.89 104.29 33.44 294.97 107.10 36.31 Sub total (A) 3644.91 878.46 24.10 3600.44 735.21 20.42 B Non-Priority Sector 1 Agriculture and Allied Activities 0 0 0 0 0 0 2 Industry 0 0 0 0 0 0 3 Services 44.54 5.89 13.22 30.60 7.62 24.90 4 Personal loans 458.39 189.99 41.45 501.15 101.68 20.29 Sub total (B) 502.93 195.88 38.95 531.75 109.30 20.55 TOTAL (A+B) 4147.84 1074.34 25.90 4132.19 844.51 20.44 5. Business Ratio Sr. No. Particulars 31.03.2017 31.03.2016 (i) Interest income as percentage of average working fund 6.80 9.24 (ii) Non-interest income as percentage of average working fund 1.40 0.58 (iii) Operating profit as percentage to average working fund -0.27 1.46 (iv) Return on assets 0.01 0.31 (v) Business (Deposits plus advances) per employee 582.07 lac 542.35 lac (vi) Net profit per employee 0.03 lac 1.26 lac No. of employees of the Bank: 2074 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 43

6. Asset Liability Management Maturity pattern of certain items of assets and liabilities The classification of Asset and Liabilities in different time buckets has been compiled on the basis of information collected from the branches/offices and necessary adjustment/apportionment made at Head Office on the basis of behavioural maturity pattern. The details are as under: (`in lakhs) 1-14 days 15-28 days 29 days up to 3 months Over 3 months & up to 6 months Over 6 months and up to 1 year Over 1 year & up to 3 years Over 3 years & up to 5 years Over 5 years Deposits 80786.16 7681.65 32497.50 33262.25 45775.60 492084.24 30325.42 70008.83 792421.66 Advances 30884.13 3572.32 15692.92 21240.57 55163.02 187156.31 82161.92 18913.11 414784.30 Investments 6354.67 21324.60 36894.81 102435.10 31637.41 8332.93 18900.03 223447.46 449327.01 Borrowings 19655.60 0.00 14.27 937.58 5092.51 9220.12 21931.33 4663.00 61514.41 Total 7. Exposures Exposure to Real Estate Sector (` in lakh) Sr. No. Category 31.03.2017 31.03.2016 A (i) (ii) Direct exposure Residential Mortgages Lending fully secured by mortgages on residential property that is or will be occupied by the borrower or that is rented Commercial Real Estate Lending secured by mortgages on commercial real estates (Office buildings, retail space, multi-purpose commercial premises, multi-family residential buildings, multi-tenanted commercial premises, industrial or warehouse space, hotels, land acquisition, development and construction, etc.) Exposure would also include non-fund based (NFB) limits; 28499.18 28341.38 3854.32 3060.29 (iii) Investments in Mortgage Backed Securities (MBS) and other securitized exposures NIL NIL a. Residential NIL NIL b. Commercial Real Estate NIL NIL B Indirect Exposure NIL NIL Fund-based and non-fund based exposures on National Housing Bank (NHB) and Housing Finance Companies (HFCs) NIL NIL 8. Details of Single Borrower (SGL), Group Borrower Limit (GBL) exceeded by the Bank The Bank has not made any investment/advance beyond the prudential exposure limit of the Bank during the financial year. 9. AS 22- Accounting for Taxes on Income a) Amount of provisions made for Income-tax during the year (` Lakh) Particulars 31.03.2017 31.03.2016 Provision for Income Tax Nil 1225.00 44 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K b) The component of Deferred Tax Assets is as follows: (` Lakh) Particulars 31.03.2017 31.03.2016 Timing differences Depreciation on Fixed Assets 21.87 31.65 Unabsorbed Depreciation 52.00 Nil 10. Disclosure of Penalties imposed by RBI During the year under report the bank had to pay Rs.64937/- (Rupees sixty four thousand nine hundred thirty seven) only as penalty imposed by Reserve Bank of India for default in maintenance of CRR for the fortnight Aug 13th 26th, 2016. 11. Disclosure of requirements as per Accounting Standards where the RBI has issued guidelines in respect of disclosure items for Notes to Accounts a) Compliance of Accounting Standard 18: As on 31.03.2017, 2(Two) officers are working in the bank on deputation from Sponsor Bank i.e. United Bank of India. The details of the date of joining, emoluments drawn etc. are given below: (` Lakh) Sl No. Name of the officer Designation in the Bank Date of joining Date of transfer Emoluments drawn during the year 1 Sri Shio Shankar Singh Chairman 02-11-2012 31-10-2016 9.53 2 Sri Sanjaya Nand Chairman 17-10-2016 NA 6.53 3 Sri Nripendra Nath Baishya General Manager 07-07-2014 NA 13.98 TOTAL 30.04 Remarks 12. Other Accounting Standards Bank has complied with the disclosure norms stipulated under the various Accounting Standards issued by the ICAI in accordance with NABARD directives. 13. Provisions and Contingencies The aggregate position of all the provisions and contingencies of the Bank are disclosed as under: (` Lakh) Sr. No. Particulars 31.03.2017 31.03.2016 a Opening Balance in the provisions accounts 31093.83 28586.09 b The quantum of provisions made in the accounting year 10974.54 7308.97 c Amount of draw down made during the accounting year 3889.89 4801.23 d Closing Balance in the provisions accounts 38178.48 31093.83 Amount of draw down as shown above is the amount written off against Bad debts and Investment Fluctuation Reserve. 14. Draw Down from Reserve Bank has not drawn down any amount from the Reserve other than Investment Fluctuation Reserve. 15. Disclosure of complaints The position of disposal of complaints is as under: 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 45

A. Customer Complaints Sr. No. Particulars Details a No. of complaints pending at the beginning of the year 4 b No. of complaints received during the year 86 c No. of complaints redressed during the year 86 d No. of complaints pending at the end of the year 4 B. Award passed by the Banking Ombudsman a No. of unimplemented Awards at the beginning of the year NIL b No. of Awards passed by the Banking Ombudsmen during the year NIL c No. of Awards implemented during the year NIL d No. of unimplemented Awards at the end of the year. NIL 16. Previous year s figures have been regrouped /rearranged wherever considered necessary. S. Nand M.R.K. Reddy A. K. Sinha Chairman Director Director V. GANDOTRA R. K. NAYAK K. THAKURIA Director Director Director E. DEKA S. U. LASKAR P. L. DEV MAHANTA Director Director Director Date: 15.06. 2017 Place: Guwahati For ALPS & CO. Chartered Accountants Firm Regd. No.313132E (A. K. KHETAWAT) Partner M No.052751 46 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K CRAR STATUS AS ON 31.03.2017 PRUDENTIAL NORMS Statement of Capital Funds, Risk Assets/ Exposures and Risk Asset Ratio. Part A-Capital Funds and Risk Assets Ratio Amount in Lakh I Capital Funds A Tier I Capital elements 1 Paid up capital 8,963.25 Less1 1.1 Accumulated losses 1.2 Deferred Tax Assets (DTA) 73.87 1.3 Shortfall in provisions 1.4 Shortfall in provisions for Gratuity Payable 1.5 Shortfall in provisions for Leave encashment 1.6 Other Intangible assets, if any 2 Net paid-up Capital 8,889.38 3 Reserves and Surplus 29,235.85 3.1 Statutory reserves 5,741.58 3.2 Capital reserves 3,018.79 3.3 Other reserves* (Specify) (General/Revenue Reserve) 20,475.48 3.4 Surplus in Profit and Loss Account 4 Total of Tier I Capital 38,125.23 B Tier II Capital elements 1 Revaluation reserves 2 General provisions and loss reserves 846.96 3 Investment fluctuation reserves/ funds 4,286.50 4 HEAD ROOM DEDUCTION 5 Net Tier II Capital 5,133.46 C Total Capital (Tier I + Tier II) 43,258.69 II Risk Assets 1 Adjusted value of funded risk assets i.e. on Balance Sheet items (tallies with Part "B") 372,800.72 2 Adjusted value of non-funded and off-balance Sheet items(tallies with Part C) 853.47 3 Total Risk -Weighted Assets (1+2) 373,654.19 III Percentage of Capital Funds to Risk Weighted Assets (I/II*100) 11.58 S. Nand M.R.K. Reddy A. K. Sinha Chairman Director Director V. GANDOTRA R. K. NAYAK K. THAKURIA Director Director Director Date: 15.06. 2017 Place: Guwahati E. DEKA S. U. LASKAR P. L. DEV MAHANTA Director Director Director For ALPS & CO. Chartered Accountants Firm Regd. No.313132E (A. K. KHETAWAT) Partner M No.052751 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 47

Part-B Risk Weight Assets and Exposures Amount in lakh Sl. No. Asset Item Book Value {net} Risk Weight (%) Risk Adjusted Value Asset Items I Cash and Bank Balances 5,192.18 0.00 1 Cash, balances with RBI 32,305.77 0.00 2 Balances in current a/c with other Banks 56,688.35 20.00 11,337.67 3 Claims on banks 187,182.16 20.00 37,436.43 II Investments 1 Investments in Govt. Securities 246,408.23 2.50 6,160.21 2 3 4 5 6 Investments in other approved securities guaranteed by central/ state govt. Investments in other securities where payment of interest and repayment of principal are guaranteed by central Govt. (It will include Indira/kisan vikas patra and investment in bonds where payment of interest and principal is guaranteed by Central Govt/State Govt.) Investments in other securities where payment of interest and repayment of principal are guaranteed by State Govt. (If, the same has became NPA, it will attract 102.5% risk weight and therefore include under all other investments at 10 below.) Investments in other approved securities where payment of interest and repayment of principal are not guaranteed by central/ state Govt. Investments in Govt. Guaranteed securities of Govt. Undertakings which do not form part of the approved market borrowing programme. 2.50 2.50 2.50 22.50 22.50 7 Claims on commercial banks 22.50 8 9 10 11 III Investments in securities which are guaranteed by banks as to payment of interest and repayment of principal Investments in bonds issued by public financial institutions for their Tier II capital All other investments including investments in securities issued by Public Financial Institutions Direct investment in equity shares, convertible bonds, debentures and units of equity oriented mutual funds including those exempted from Capital Market Exposure Loans and Advances including bills purchased and discounted 22.50 102.50 10,093.26 102.50 10,345.59 127.50 1 Loans and advances guaranteed by GOI 0.00 48 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K Sl. No. Asset Item Book Value {net} Risk Weight (%) Risk Adjusted Value 2 Loans guaranteed by State Governments 0.00 3 State Government guaranteed loan which has become a non performing asset 100.00 4 Loans granted to PSU of GOI 100.00 5 Loans granted to PSU of State Govt. 100.00 6 Others including PFIs 2,67,718.42 100.00 2,67,718.42 7.1 7.2 For the purpose of credit exposure, bills purchased/ discounted/ negotiated under LC (where payment to the beneficiary is not under reserve) is treated as an exposure on the LC issuing bank and assigned risk weight as is normally applicable to inter-bank exposures Bills negotiated under LCs under reserve, bills purchased/ discounted/ negotiated without LCs, will be reckoned as exposure on the borrower constituent. Accordingly, the exposure will attract a risk weight appropriate to the borrower 20.00 a Government 0.00 b Banks 20.00 c Others 100.00 8 Micro and Small Enterprises (MSE) Advances Guaranteed by Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) up to the guaranteed portion. (Banks may assign zero risk weight for the guaranteed portion. Outstanding balance in excess of the guaranteed portion would attract a risk-weight as appropriate to the counter-party) 9.1 Housing Loan to individuals - Category of Loan 3,821.06 0.00 0.00 a Up to Rs 20 Lakh 20,552.49 50.00 10,276.25 b Above Rs 20 lakh and up to Rs 75 lakh 1,093.23 50.00 546.62 c Above Rs 75 lakh 75.00 9.2 Housing loans guaranteed by Credit Risk Guarantee Fund Trust for Low Income Housing (CRGFTLIH) up to the guaranteed portion. (The bank may assign zero risk weight for the guaranteed portion. The balance outstanding in excess of the guaranteed portion would attract a risk-weight as appropriate to the counterparty). 10 Consumer credit including personal loan 11,421.77 125.00 14,277.21 11 Loans up to Rs. 1 lakh against gold and silver ornaments. (In case the loan amount is more than Rs. 1 lakh, entire loan amount has to be risk weighted for the purpose for which the loan has been sanctioned.) 0.00 50.00 12 Education loans 654.82 100.00 654.82 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 49

Sl. No. 13 14 Asset Item Loans extended against primary/ collateral security of shares/ debentures Advance guaranteed by DICGC. (The risk weight of 50% should be limited to the amount guaranteed and not the entire outstanding balance in the accounts. In other words, the outstanding in excess of the amount guaranteed, will carry 100% risk weight.) Book Value {net} Risk Weight (%) 125.00 50.00 Risk Adjusted Value 15 Advance against term deposits, life policies, NSC, IVPs, and KVPs where adequate margin is available. 8,072.59 0.00 0.00 16 Loans and Advances granted by RRBs to their staff 7,154.29 20.00 1,430.86 17 Takeout Finance 17.1 Unconditional takeover (in the books of lending institution) a Where full credit risk is assumed by the taking over institution 20.00 b Where only partial credit risk is assumed by taking over institution b.1 The amount to be taken over 20.00 b.2 The amount not to be taken over 100.00 17.2 IV Conditional takeover (in the books of lending and taking over institution) Other Assets 100.00 1 Premises, furniture and fixtures 1,148.59 100.00 1,148.59 2 Interest due on Government securities 3,818.55 0.00 0.00 3 Accrued interest on CRR balances maintained with RBI (net of claims of government/rbi on banks on account of such transactions) 0.00 0.00 0.00 4 Income Tax deducted at source (net of provision) 0.00 0.00 0.00 5 Advance tax paid (net of provision) 816.01 0.00 0.00 6 All other Assets 11,468.05 100.00 11,468.05 V Total 8,75,609.82 372,800.72 50 12 th A N N U A L R E P O R T, 2 0 1 6-1 7

A S S A M G R A M I N V I K A S H B A N K Part C-Off Balance Sheet items Amount in lakh Credit Contingent/ OBS items Client/ Obligant/ Guarantor Gross Book Exposure Margins and provisions Net Exposure CCF for Contingent % RW for Obligant % 1 Letter of Credit (Doc) Govt. 20.00 0.00 2 Letter of Credit (Doc) Banks 20.00 20.00 3 Letter of Credit (Doc) Others 20.00 100.00 4 Total letter of Credit 5 Guarantees - Financial Govt. 100.00 0.00 6 Guarantees - Financial Banks 100.00 20.00 Risk Adjusted Value of Exposure 7 Guarantees - Financial Others 475.79 206.12 269.67 100.00 100.00 269.67 8 Total Guarantees - Financial 475.79 206.12 269.67 269.67 9 Guarantees - Others Govt. 50.00 0.00 10 Guarantees - Others Banks 50.00 20.00 11 Guarantees - Others Others 1,509.21 341.61 1,167.60 50.00 100.00 583.80 12 Total Guarantees - Others 1,509.21 341.61 1,167.60 583.80 13 Acceptance and Endorsements Govt. 100.00 0.00 14 Acceptance and Endorsements Banks 100.00 20.00 15 Acceptance and Endorsements Others 100.00 100.00 16 Total Acceptance and Endorsements 17 Undrawn Committed credit lines Govt. 20.00 0.00 18 Undrawn Committed credit lines Banks 20.00 20.00 19 Undrawn Committed credit lines Others 20.00 100.00 20 Total Undrawn Committed credit lines 21 Transactions/ Asset sale with Recourse 22 Transactions/ Asset sale with Recourse 23 Transactions/ Asset sale with Recourse 24 Total Transactions/ Asset sale with Recourse Govt. 100.00 0.00 Banks 100.00 20.00 Others 100.00 100.00 25 Liability on account of partly paid shares 100.00 100.00 26 Others Govt. 100.00 0.00 27 Others Banks 100.00 20.00 28 Others Others 100.00 100.00 29 Total Others 30 Total Contingent Credit Exposure 1,985.00 547.73 1,437.27 853.47 31 Claims against bank not acknowledged as debt 100.00 100.00 12 th A N N U A L R E P O R T, 2 0 1 6-1 7 51

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ÁflûÊËÿ ŸÈ Êà ÊÁ ı à apple ÊœÊ U U Ò apple Èπ ÁflûÊËÿ ŸÈ Êà ÁŸêŸÁ ÁπÃ Ò U ( UÊÁ Ê U Ê U M. apple ) Áflfl UáÊ 2015-16 2016-17 ı à Êÿ ÊË ÁŸÁœ 75334919 91615522 ÁflûÊËÿ Êÿ 9.24 6.80 ÁflûÊËÿ ʪà 5.41 4.53 ÁflûÊËÿ ÊÁ Ÿ 3.83 2.27 Á UøÊ Ÿ ʪà 2.95 2.54 ãÿ Êÿ 0.58 1.42 Á UøÊ Ÿ ÊÁ Ÿ 1.46 1.15 ÙÁπ ʪà 0.94 1.13 È ÊÁ Ÿ 0.52 0.02 ÍÀÿ à UáÊ áêê Ë ( UË Ë ) Ò Ÿapple ÍÀÿ à UáÊ áêê Ë ( UË Ë ) Ù Ê UË Á ÿê ÒU ı U ÍÀÿ à UáÊ áêê Ë Ë flã ÊŸ Œ U ß Ã U U UÒ.. Áflfl UáÊ ÊÁÕ UÊÿÃÊ Ë UÊÁ Ê ÊÊπÊ apple Êåà 1. ı à øã πêãê Ê UÊŸª U ı U Ê U UË 6.75% h Ê UË fl ª Ê ËáÊ 7.75% 2. ı à ÊflÁœ Ê UÊŸª U ı U Ê U UË 6.75% h Ê UË fl ª Ê ËáÊ 8.25% 3. ı à fláœ Ê UÊŸª U ı U Ê U UË 9.25% h Ê UË fl ª Ê ËáÊ 10.00% 4. ı à ΠÁ Áª 2.50% 5. πèœ UÊ ÊflÊ Ëÿ áê apple ŸÿÊ Á«US ÍS apple U 2.50% 6. ÁŒÇœ fl πùß ÁûÊ Ë flê Ë 100% 7. U Œ apple Ë ÁûÊ apple ŸªŒ flê Ë 15% 8. apple U Ë øapples U U flêsãáfl πø Full 9. flêsãáfl SÕÊŸ, ÊÁ» Á U U Ê πø 25% ÊÊπÊ Ë Ù U apple Êåà 1. ı à Áª UÊŸª U ı U Ê U UË 8.50% h Ê UË fl ª Ê ËáÊ 8.00% 2 0.50% Ê Ê ı à ÁÃÁ UÄà UÊÁ Ê U appleÿêà UË 10% 3 øã πêãapple apple ÊÕ ãÿ Ò apple ÁÃÁ UÄà ı à Êapple `2.00 Êπ UUÊÁ Ê U appleÿêà UË (U Ê UÃËÿ Á U fl Ò apple πêãapple Ù UÙ«U U U ÃÈ Ÿ) 10% 66 vwflê flêá ÁÃflappleŒŸ, 2 0 1 6-1 7

ª Ê ËáÊ Áfl Ê Ò ÿêfl ÊÁÿ ÿù ŸÊ wæv{-v Ë U ÁéœÿÊ ÁflûÊ fl wæv{-v apple Á ÊÿÙ Ò apple ÊÕ Á ÿêáãflã ÿêfl ÊÁÿ ÿù ŸÊ wæv{-v apple Èπ ÊŸ ÃÕÊ UŸ U UÊÁ U ÁéœÿÊ ÁŸêŸÁ ÁπÃ Ò U ( UÊÁ Ê UÙ UU M. apple ) Áflfl UáÊ wæv{-v apple Á ÙÿÍ ˇÿ wæv{-v apple Œı UÊŸ U ÁéœÿÊ 1. Ê 8400.00 7924.22 2. UœÊ UË 759.56 615.14 3. áê fl Áª 4800.00 4147.84 4. ÁŸflapple Ê 4150.00 4493.27 5. áê Ê UË 1000.00 945.58 6. fl Í Ë % 70.00 58.24 7. ªÒ U ÁŸc ÊŒ ÁûÊÿÊ ) fl Ë ÊÈL Êà apple ÁSÕÁà 817.64 844.51 Ë) Ÿß flîáh, ÿᜠÙß UÙ ÃÙ 102.36 609.83 Ë) È Ë 680.00 380.00 «UË) à apple ÁSÕÁà 240.00 1074.34 8. Êÿ ) Áª U éÿê 408.00 315.45 Ë) ÁŸflapple Ê U ÍU U 335.00 307.74 Ë) ãÿ Êÿ 80.00 128.47 È 823.00 751.66 9. ÿÿ ) Ê U ÿê 430.00 388.28 Ë) UœÊ UË U ÿê 30.00 26.99 Ë) øêá UÿÙ U ÿÿ 160.00 159.30 «UË) ãÿ øê Ÿ ÿÿ 100.00 73.86 È 720.00 648.43 10. Ê / UÊÁŸ ( Á UøÊ Ÿ) 103.00 103.23 Ÿ Ë πêãù U ÊflœÊŸÙ Ù ÉÊ UÊ U ãÿ ÊflœÊŸÙ Ù ÉÊU UÊ U 50.00 104.36 Add Excess Provision for Income Tax written back & Deffered Tax Asset - 1.69 11. È Ê 35.00 0.56 12. Uàfl ÍáÊ Œ Ê Ÿ Íø Ê ÁŸflapple Ê U ı Ã Ê ŒŸË 8.07 7.26 Áª U ı Ã Ê ŒŸË 8.50 7.82 Ê U ı à πø 5.12 5.08 ÁŸÁœÿÙ U ı à πø 4.88 4.53 Ë«UË ŸÈ Êà 57.14 52.34 Áà ÊÊπÊ ÿfl Êÿ 31.06 29.16 Áà øê UË ÿfl Êÿ 6.22 5.82 vwflê flêá ÁÃflappleŒŸ, 2 0 1 6-1 7 67

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y. Á U ÁûÊÿÙ Ë ªÈáÊflûÊÊ y.v. ) ªÒ U-ÁŸc ÊŒ ÁûÊÿÊ ( Ÿ Ë ) ( Êπ apple ).. Áflfl UáÊ 31.03.2017 31.03.2016 i. È Áª apple È Ÿ Ë Ê Áà Êà 19.99 15.61 ii. Ë Ê UÃÊ U-ø UÊfl ( ) fl apple ÊÈM UÙŸapple apple ÿ È Ÿ Ë 84451.10 35914.03 ( Ë) fl apple Œı UÊŸ Ù«apple U (ŸÿÊ Ÿ Ë ) 60982.85 75052.37 -ÿêappleª ( ) 145433.95 110966.40 ( Ë) UıÃË ÊappleÛÊÿŸ 2911.00 11637.71 ˇÊÁà ÍÁà ( ÊappleÛÊÿŸ πêãapple apple Ë ªß ˇÊÁà ÍÁà Êapple UÊapple«U) 31729.75 10265.00 ÍU appleu È 3359.00 4612.59 -ÿêappleª ( Ë) 37999.75 26515.30 Ê Ÿ Ò apple 107434.20 84451.10 iii. È Ÿ Ë apple UÃÊ U-ø UÊfl ( ) πè Ÿapple Ê Ò apple 60796.20 14756.72 ( Ë) fl apple Œı UÊŸ Ù«apple U 50711.34 67945.44 ( Ë) fl apple Œı UÊŸ UıÁÃÿÊ 34716.57 21905.96 («UË) Ê Ÿ Ò apple 76790.97 60796.20 iv. Ÿ Ë apple Á ÊflœÊŸ apple UÃÊ U-ø UÊfl ( ÊŸ Á U ÁûÊÿÙ U ÊflœÊŸÙ Ù UÙ«U U) ( ) πè Ÿapple Ê Ò apple 23654.90 21157.31 ( Ë) fl apple Œı UÊŸ Á ÿapple ªÿapple ÊflœÊŸ 10346.61 7106.93 ( Ë) ÁÃÁ UÄà ÊflœÊŸ Ê Ê Ÿ/flÊ appleÿê 3358.28 4609.34 («UË) Ê Ÿ Ò apple 30643.23 23654.90 Ë) Ÿ Ë ÊflœÊŸ apple ŸÈ ÊÃ Ê Ê Ÿ (L. Êπ apple ) Áflfl UáÊ 31.03.2017 31.03.2016 È ªÒ U-ÁŸc ÊŒŸ Á U ÁûÊÿÊ 107434.20 84451.10 È Á ÿapple ªÿapple ÊflœÊŸ 30643.23 23654.90 ÊflœÊŸ Ê ŸÈ Êà 28.52 28.01 Ë) ªÒ U-ÁŸc ÊŒ Áª apple Á ÊflœÊŸ Ê flª apple ŸÈ Ê U flªë UáÊ (L. Êπ apple ).. Áª apple flª UÊÁ Ê Áøà ÊflœÊŸ È Áª 1 ÊŸ * 307350.11 846.97 307350.11 2 fl Ê Êãÿ Á U ÁûÊÿÊ 60982.85 10271.51 50711.34 3 ÁŒÇœ Á U ÁûÊÿÊ - i 28614.84 8336.13 20278.71 4 ÁŒÇœ Á U ÁûÊÿÊ - ii 12901.68 7128.50 5773.18 5 ÁŒÇœ Á U ÁûÊÿÊ -iii/éêê UÊ Á U ÁûÊÿÊ 4934.833 4907.09 27.74 * ÊflœÊŸ apple ÊÕ È«UÊ Ÿ UË È 414784.31 31490.20 384141.08 92 vwflê flêá ÁÃflappleŒŸ, 2 0 1 6-1 7

y.w áê Á U ÁûÊÿÙ Ê Áflfl UáÊ, ÿᜠȟª UŸ Á ÿê ªÿÊ UÙ (M. Êπ apple ).. ª Ê ËáÊ Áfl Ê Ò Áflfl UáÊ 31.03.2017 31.03.2016 i. áê Á U ÁûÊÿÙ Ë È UÊÁ Ê, ÿᜠȟª UŸ, ÈŸÁŸ œê UáÊ fl Á» U apple ÊÃøËÃ Ë ªÿË UÙ Ÿ UË 900.00 ii ÊŸ Á U ÁûÊÿÙ Ë UÊÁ Ê, ÿᜠȟª UŸ, ÈŸÁŸ œê UáÊ fl Á» U apple ÊÃøËÃ Ë ªÿË UÙ Ÿ UË 900.00 iii. fl Ê Êãÿ Á U ÁûÊÿÙ Ë UÊÁ Ê, ÿᜠȟª UŸ, ÈŸÁŸ œê UáÊ fl Á» U apple ÊÃøËÃ Ë ªÿË UÙ Ÿ UË Ÿ UË iv. ÁŒÇœ Á U ÁûÊÿÙ Ë UÊÁ Ê, ÿᜠȟª UŸ, ÈŸÁŸ œê UáÊ fl Á» U apple ÊÃøËÃ Ë ªÿË UÙ Ÿ UË Ÿ UË Á Uå áêë [(i) = (ii) + (iii) + (iv)] Ÿ UË 900.00 y.x Á U ÁûÊÿÙ apple ÈŸª UŸ apple Á È UÁˇÊà UáÊ ( Ë)/ ÈŸÁŸ Ê áê ÁŸÿÙ apple appleøë ªÿË ÁflûÊËÿ Á U ÁûÊÿÙ Ê Áflfl UáÊ ( Êπ L. apple ).. Áflfl UáÊ 31.03.2017 31.03.2016 i. πêãù Ë ÅÿÊ Ÿ UË Ÿ UË ii Ë/ Ê U Ë Ù appleøapple ªÿapple πêãù Ê È ÍÀÿ ( ÊflœÊŸÙ Ê È ) Ÿ UË Ÿ UË iii. È ÁfløÊ U Ÿ UË Ÿ UË iv. Ífl flãë fl ÙZ apple USÃÊ ÃÁ Uà πêãù apple Œ apple ÁÃÁ UÄà ÁfløÊ U Ÿ UË Ÿ UË v. È Ë Ã U È Ê / UÊÁŸ Ÿ UË Ÿ UË 4.4. π UËŒapple ªÿapple ªÒ U-ÁŸc ÊÁŒÃ ÁflûÊËÿ ÁûÊÿÙ Ê Áflfl UáÊ ( Êπ L. apple ).. Áflfl UáÊ 31.03.2017 31.03.2016 v ( ) fl apple Œı UÊŸ π UËŒapple ªÿapple πêãù Ë ÅÿÊ Ÿ UË Ÿ UË ( Ë) È ÊÿÊ Ÿ UË Ÿ UË w ( ) ߟ apple apple fl apple Œı UÊŸ ÈŸª Á Uà πêãù Ë ÅÿÊ Ÿ UË Ÿ UË ( Ë) È ÊÿÊ Ÿ UË Ÿ UË 4.5. appleøapple ªÿapple ªÒ U-ÁŸc ÊÁŒÃ ÁflûÊËÿ ÁûÊÿÙ Ê Áflfl UáÊ ( Êπ L. apple ).. Áflfl UáÊ 31.03.2017 31.03.2016 1. appleøapple ªÿapple πêãù Ë ÅÿÊ Ÿ UË Ÿ UË 2. È ÊÿÊ Ÿ UË Ÿ UË 3. Êåà Á ÿapple ªÿapple È ÁfløÊ U Ÿ UË Ÿ UË y.{ ÊŸ Á U ÁûÊÿÙ apple ÊflœÊŸ ( Êπ L. apple ).. Áflfl UáÊ 31.03.2017 31.03.2016 (i) ÊŸ Á U ÁûÊÿÙ Ë ÁŒ ÊÊ apple Á ÿapple ªÿapple ÊflœÊŸ (-) 81.87 (-) 82.53 vwflê flêá ÁÃflappleŒŸ, 2 0 1 6-1 7 93

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.. Á U ÁûÊÿÙ apple Ê U Ë Ã ( È ) ÙÁπ (%) 2 UÊÖÿ U Ê U mê UÊ ªÊ U UË ŒÊŸ Á ÿapple ªÿapple áê 0.00 ÊÿÙÁ à ÙÁπ Ë Ã 3 UÊÖÿ U Ê U mê UÊ ªÊ U UË ŒÊŸ Á ÿapple ªÿapple áê, Ù ªÒ U ÁŸc ÊŒŸ ÁûÊ Ÿ ªÿË ÒU 100.00 4 Ê Uà U Ê U apple Ë ÿí mê UÊ ªÊ U UË ŒÊŸ Á ÿapple ªÿapple áê 100.00 5 UÊÖÿ U Ê U apple Ë ÿí mê UÊ ªÊ U UË ŒÊŸ Á ÿapple ªÿapple áê 100.00 6 Ë» Êß appleã ãÿ 267,718.42 100.00 267,718.42 7.1 áê U USÿÙŒ ÉÊÊ UŸ apple Á Ë apple ê à π UËŒapple ªÿapple/Á UÿÊÿà ÁŒÿapple ªÿapple/ ÊÃøËà Á ÿapple ªÿapple Á Ù ( UÊ Ê ÊÕË Ù ÈªÃÊŸ øÿ apple ê à Ÿ UË ÒU) Ù Ë Ê UË ÃÊ Ò apple U USÿÙŒ ÉÊÊ UŸ apple Ãı U U Á ÿê ªÿÊ ÒU ß U ÙÁπ, Ù Ê Ãı U U à U- Ò U USÿÙŒ ÉÊÊ UŸ apple ÊÊÁ ÒU, Ù UπÊ Ê ªÊ 20.00 Ë øÿ apple ê à π UËŒapple/Á UÿÊÿà ÁŒÿapple ªÿapple/ ÊÃøËà Á ÿapple ªÿapple Á Ù UœÊ U 7.2 appleÿapple flê apple ÉÊ U apple U USÿÙŒ ÉÊÊ UŸ U ÊŸÊ Ê ªÊ ß Ë apple ŸÈM UœÊ U appleÿapple flê apple apple ŸÈ Ê U ÙÁπ Ù UπÊ Ê ªÊ. U Ê U 0.00 Ë. Ò 20.00 Ë. ãÿ 100.00 8 ªÊ U UË apple Á US apple Ã Íˇ fl ÉÊÈ Ul áê ªÊ U UË ÁŸÁœ US U ( Ë Ë UË ß ) mê UÊ ªÊ U UË ÁŒÿapple ªÿapple ͡ ı U ÉÊÈ Ul ( ß ) Áª ( Ò ªÊ U UË apple Á US apple à Ùß ÙÁπ Ÿ UË UÙŸapple Ù Ë U Ãapple Ò U ªÊ U UË apple Á US apple apple Áœ apple ÊÿÊ Áœ Êapple U ÙÁπ UπÊ Ê ªÊ, Ù ŒÙŸÙ ˇÊ apple Á UÁøà ÒU ) 3,821.06 0.00 0.00 9.1 ÙªÙ Ù ŒÊŸ Á ÿapple ÊŸapple flê apple ªÎ U áê apple Ê U. wæ Êπ L ÿapple à 20,552.49 50.00 10,276.25 Ë. wæ Êπ apple ÖÿÊŒÊ ı U z Êπ L ÿapple à 1,093.23 50.00 546.62 Ë. z Êπ L ÿapple apple ÖÿÊŒÊ 75.00 9.2 ªÊ U UË apple Á US apple Ã Ë Ã apple ªÎ U apple Á áê ÙÁπ ªÊ U UË ÁŸÁœ US U ( Ë Ê U Ë» UË Êß ø) mê UÊ ªÊ U UË ÁŒÿapple ªÿapple ªÎ U áê ( Ò ªÊ U UË apple Á US apple à Ùß ÙÁπ Ÿ UË UÙŸapple Ù Ë U Ãapple Ò U ªÊ U UË apple Á US apple apple Áœ apple ÊÿÊ Áœ Êapple U ÙÁπ UπÊ Ê ªÊ, Ù ŒÙŸÙ ˇÊ apple Á UÁøà ÒU ) 10 ÿáäãªã áê appleã U ÙÄÃÊ áê 11,421.77 125.00 14,277.21 11 ÙŸapple fl øê ŒË apple Ê Í áê apple Œ apple v Êπ L ÿapple à apple áê ( áê Ë UÊÁ Ê apple v Êπ L ÿapple apple ÖÿÊŒÊ UÙŸapple U Í UË áê UÊÁ Ê Ù U Ë Ugapple ÿ apple Á ÙÁπ ÊŸÊ Ê ªÊ, Á apple Á ß apple Í U Á ÿê ªÿÊ ÒU ) 0.00 50.00 12 ÊÒˇÊÁáÊ áê 654.82 100.00 654.82 13 Êappleÿ U/ áê òêù apple ÊÕÁ / ˇÊ È UˇÊÊ apple Œ apple ÁŒÿapple ªÿapple ÁflSÃÊÁ Uà áê 125.00 100 vwflê flêá ÁÃflappleŒŸ, 2 0 1 6-1 7

.. 14 Á U ÁûÊÿÙ apple Ê U «UË Êß Ë Ë Ë mê UÊ ªÊ U UË ÁŒÿapple ªÿapple Áª ( ÙÁπ ªÊ U UË ŒÊŸ Ë ªÿË UÊÁ Ê Ê zæ' à ËÁ à U appleuªê, Ÿ Á appleπê apple È ÊÿÊ UÊÁ Ê Ã ŒÍ appleu ÊéŒÙ apple ªÊ U UË ŒÊŸ Ë ªÿË UÊÁ Ê apple Áœ apple ÊÿÊ U vææ' Ê ÙÁπ U appleuªê ) Ë Ã ( È ) ª Ê ËáÊ Áfl Ê Ò ÙÁπ (%) 50.00 ÊÿÙÁ à ÙÁπ Ë Ã 15 ÊflÁœ Ê, ËflŸ Ë Ê, Ÿ Ë, Êß flë Ë ı U apple flë Ë apple Œ apple Áª, UÊ ÿê åã ÊÁ Ÿ U éœ ÒU 8,072.59 0.00 0.00 16 Ê U Ê U Ë mê UÊ Ÿapple øêá UÿÙ Ù ªÊ U UË ŒÊŸ Á ÿapple ªÿapple áê ı U Áª Ê 7,154.29 20.00 1,430.86 17 ÁflûÊ ÁŸ Ê ŸÊ 17.1 Á ŸÊ Êà ÁŸ Ê ŸÊ (ŒappleŸapple flê apple SÕÊŸ apple πêãapple apple). UÊ ÁŸ Ê Ÿapple flê apple SÕÊŸ mê UÊ ÍáÊ ÙÁπ Ù ÊŸÊ ÊÃÊ ÒU 20.00 Ë. UÊ ÁŸ Ê Ÿapple flê apple SÕÊŸ mê UÊ Ê Á Ê ÙÁπ Ù ÊŸÊ ÊÃÊ ÒU Ë.v UÊÁ Ê Ù ÁŸ Ê Ë Ê ªË 20.00 Ë.w UÊÁ Ê Ù ÁŸ Ê Ë Ÿ UË Ê ªË 100.00 17.2 Êà ÁŸ Ê ŸÊ ( appleÿapple flê apple ı U ŒappleŸapple flê apple SÕÊŸ apple πêãapple apple ) 100.00 IV ãÿ Á U ÁûÊÿÊ 1 Á U U, Ê Ù- Ê ÊŸ ı U Ù«U 1,148.59 100.00 1,148.59 2 U Ê UË Áà ÍÁÃÿÙ U Œappleÿ éÿê 3,818.55 0.00 0.00 3 Ê U Ë Êß mê UÊ Uπapple ªÿapple Ë Ê U Ê U Ò apple U Ê éÿê (ß Ã U U apple appleÿ-œappleÿ apple appleπê πêãapple U U Ê U/ Ê U Ë Êß apple È ŒÊflapple) 0.00 0.00 0.00 4 dùã U Êÿ U Ë UıÃË ( È ÊflœÊŸ) 0.00 0.00 0.00 5 Áª U Ê ÈªÃÊŸ ( È ÊflœÊŸ) 816.01 0.00 0.00 6 ŒÍ UË ãÿ ÁûÊÿÊ 11,468.05 100.00 11,468.05 V È 875,609.82 372,800.72 vwflê flêá ÁÃflappleŒŸ, 2 0 1 6-1 7 101

Á US Ê Ë - xãè Ÿ- òê apple Ê U U Ë Ê ª Ë Êπ L. apple áê ÉÊ U / Ù Ë Ê ÊŸ ª Ê U / Ê Ê UË/ ªÊ U UË ŒÊŸ ÃÊ πè Ê apple ÊÁ Ÿ ı U ÊflœÊŸ È πè Ê apple Ê Ê UË apple Á Ë Ë» % Ê Ê UË apple Á Ê U«UéÀÿÍ % U USÿÙŒ ÉÊÊ UŸ Ë ÊÿÙÁ à ÙÁπ Ë Ã v. Êπ òê («UË Ù Ë) U Ê UË 20.00 0.00 w. Êπ òê («UË Ù Ë) Ò 20.00 20.00 x. Êπ òê («UË Ù Ë) ãÿ 20.00 100.00 }. È ªÊ U UË - ÁflûÊËÿ z. ªÊ U UË - ÁflûÊËÿ U Ê UË 100.00 0.00 {. ªÊ U UË - ÁflûÊËÿ Ò 100.00 20.00. ªÊ U UË - ÁflûÊËÿ ãÿ 475.79 206.12 269.67 100.00 100.00 269.67 }. È ªÊ U UË - ÁflûÊËÿ 475.79 206.12 269.67 269.67 ~. ªÊ U UË - ãÿ U Ê UË 50.00 0.00 væ. ªÊ U UË - ãÿ Ò 50.00 20.00 vv. ªÊ U UË - ãÿ ãÿ 1,509.21 341.61 1,167.60 50.00 100.00 583.80 vw. È ªÊ U UË - ãÿ 1,509.21 341.61 1,167.60 583.80 vx. SflË Ê U ı U Õ Ÿ U Ê UË 100.00 0.00 vy. SflË Ê U ı U Õ Ÿ Ò 100.00 20.00 vz. SflË Ê U ı U Õ Ÿ ãÿ 100.00 100.00 v{. È SflË Ê U ı U Õ Ÿ v. Ÿ UË ÁŸ Ê Ë ªÿË ŒûÊ áê U Ê UË 20.00 0.00 v}. Ÿ UË ÁŸ Ê Ë ªÿË ŒûÊ áê Ò 20.00 20.00 v~. Ÿ UË ÁŸ Ê Ë ªÿË ŒûÊ áê ãÿ 20.00 100.00 wæ. È Ÿ UË ÁŸ Ê Ë ªÿË ŒûÊ áê wv. ÊÁüÊà appleÿ-œappleÿ/ Á U ÁûÊ Ë Á Ë U Ê UË 100.00 0.00 ww. ÊÁüÊà appleÿ-œappleÿ/ Á U ÁûÊ Ë Á Ë Ò 100.00 20.00 wx. ÊÁüÊà appleÿ-œappleÿ/ Á U ÁûÊ Ë Á Ë ãÿ 100.00 100.00 wy. È ÊÁüÊà appleÿ-œappleÿ/ Á U ÁûÊ Ë Á Ë wz. Ê Á Ê L apple appleøapple ªÿapple Êappleÿ U U ŒappleÿÃÊÿ 100.00 100.00 w{. ãÿ U Ê UË 100.00 0.00 w. ãÿ Ò 100.00 20.00 w}. ãÿ ãÿ 100.00 100.00 w~. È ãÿ xæ. È ÉÊ U áê U USÿÙŒ ÉÊÊ UŸ 1,985.00 547.73 1,437.27 853.47 xv. Ò U ŒÊflapple, Á apple áê apple Ãı U U ÊŸÊ Ÿ UË ªÿÊ ÒU 100.00 100.00 102 vwflê flêá ÁÃflappleŒŸ, 2 0 1 6-1 7

Shri Sanjaya Nand, Chairman receiving the Best Bank Award given by NABARD, Assam Regional Office for SHG Credit Linkage - 2016-17 from Dr. Himanta Biswa Sarma, Hon ble Finance Minister, Govt. of Assam A Co-operative Tea Factory financed by Melamati Branch of the Bank