| |
| |
| JANATA SAHAKARI BANK LIMITED, PUNE (SCHEDULED BANK) |
| Balance Sheet as on 31th March.2009 |
| |
|
|
|
|
| 31st March 2008 |
Capital & Liabilities |
31 Mar. 2009 |
31 Mar. 2009 |
| Rs. Ps. |
Rs. Ps. |
Rs. Ps. |
| |
1. CAPITAL |
|
|
| |
A. |
Authorised Share Capital |
|
|
| 11,300.00 |
|
452[Previous Year 452] A Class Shares of Rs.25/- each |
11,300.00 |
|
| 499,988,700.00 |
|
9999887[Previous Year 4999887] B Class Shares of Rs.100/- each |
999,988,700.00 |
|
| 500,000,000.00 |
|
|
|
1,000,000,000.00 |
| |
B. |
Subscribed & Paid up Share Capital |
|
|
| |
|
445 [Previous Year 445] A Class Shares |
|
|
| 11,125.00 |
|
of Rs.25/- each Fully paid-up |
11,125.00 |
|
| |
|
5018877 (F.Y.3731318) B Class Shares |
|
|
| 373,131,800.00 |
|
of Rs.100/- each Fully paid-up |
501,887,700.00 |
|
| 373,142,925.00 |
|
|
|
501,898,825.00 |
| |
|
Out of above shares held by |
|
|
| 373,137,925.00 |
|
Individuals |
501,898,825.00 |
|
| 5,000.00 |
|
Co-op. Institutions |
|
|
| --- |
|
State Government |
--- |
|
| |
2. Reserve Fund & Other Reserves |
|
|
| 118,107,359.21 |
A. |
Statutory Reserve |
120,119,630.29 |
|
| 45,800,000.00 |
B. |
Building Fund |
45,800,000.00 |
|
| 395,000.00 |
C. |
Dividend Equilisation Fund |
395,000.00 |
|
| 1,115,000.00 |
D. |
General Reserve |
1,115,000.00 |
|
| 1,109,440,281.00 |
E. |
Bad & doubtful Advances reserve |
1,129,285,179.00 |
|
| 49,614,000.00 |
F. |
Contingent provision for Standard Assets |
51,030,000.00 |
|
| 500,000.00 |
G. |
Charity Reserve |
500,000.00 |
|
| 225,000.00 |
H. |
Co-operative Promotion Reserve |
225,000.00 |
|
| 3,831,039.85 |
I. |
Shareholder Welfare Reserve |
3,831,039.85 |
|
| 2,683,239.00 |
J. |
Employee Welfare Reserve |
2,683,239.00 |
|
| 173,300,000.00 |
K. |
Provision for Investments |
115,800,000.00 |
|
| 4,500,000.00 |
L. |
Provision for contingencies |
4,500,000.00 |
|
| 72,662,606.16 |
M. |
Provision for liability accepted of the Amalgamated banks |
0.00 |
|
| 399,166,633.00 |
N. |
Assets Revaluation Reserve |
390,300,180.00 |
|
| 1,981,340,158.22 |
|
|
|
1,865,584,268.14 |
| |
|
|
|
|
| |
3. Principal Subsidiary State |
|
0.00 |
| 0.00 |
|
Partnership Fund Account |
|
|
| |
|
|
|
|
| |
4. Deposits & Other Accounts |
|
|
| |
A. |
Fixed Deposits |
|
|
| |
|
|
|
|
| 13,961,434,081.58 |
|
i)Individuals |
16,743,291,787.10 |
2,781,857,705.52 |
| 0.00 |
|
ii)Central Co-op.Banks |
0.00 |
|
| 469,775,695.00 |
|
iii)Other Co-op.Societies |
345,224,884.00 |
|
| 14,431,209,776.58 |
|
|
17,088,516,671.10 |
|
| |
B. |
Savings Deposits |
|
|
| 5,455,124,167.72 |
|
i)Individuals |
5,437,166,840.70 |
|
| 0.00 |
|
ii)Central Co-op.Banks |
0.00 |
|
| 71,070,780.80 |
|
iii)Other Co-op.Societies |
68,800,813.60 |
|
| 5,526,194,948.52 |
|
|
5,505,967,654.30 |
|
| |
C. |
Current Deposits |
|
|
| 961,412,414.24 |
|
i)Individuals |
1,092,649,144.55 |
|
| 50,023,302.00 |
|
ii)Central Co-op.Banks |
73,902,590.00 |
|
| 181,451,932.12 |
|
iii)Other Co-op.Societies |
15,855,698.06 |
|
| 1,192,887,648.36 |
|
|
1,182,407,432.61 |
1,182,407,432.61 |
| |
|
|
|
|
| 0.00 |
D. |
Call Deposit |
0.00 |
|
| 571,585,212.63 |
E. |
Matured Deposits |
679,057,031.99 |
|
| 21,721,877,586.09 |
|
TOTAL DEPOSITS |
|
24,455,948,790.00 |
| 0.00 |
5. Borrowings |
|
|
| |
A. |
Borrowings from other Banks/Institutions
|
|
|
| |
B. |
Borrowings under LTD ( Tier II Capital ) |
600,000,000.00 |
|
| |
|
|
|
600,000,000.00 |
| 61,888,786.63 |
6. Bills for Collection being Bills |
0.00 |
54,286,166.28 |
| |
|
receivable (As per contra) |
|
|
| |
|
|
|
|
| 185,993,513.23 |
7. Branch Adjustment |
|
0.00 |
| |
|
|
|
|
| |
8. A. Overdue Interest Reserve |
|
|
| 105,446,701.82 |
|
On Non-Performing Assets |
105,099,171.82 |
|
| 1,728,811,394.00 |
B. Unapplied Interest (as per contra) |
1,625,040,998.60 |
|
| 1,834,258,095.82 |
|
|
|
1,730,140,170.42 |
| |
|
|
|
|
| 908,280.00 |
9. Deferred Tax Liability |
|
784,454.00 |
| 51,278,741.61 |
10. Interest Payable |
|
55,331,243.41 |
| |
11. Other Liabilities |
|
|
| 68,724,248.37 |
A. |
Bills Payable |
66,138,399.89 |
|
| 0.00 |
B. |
Dividend Payable |
0.00 |
|
| 1,054,445.44 |
C. |
Suspense Account |
3,814,030.04 |
|
| 44,162,742.10 |
D. |
Draft Payable |
33,624,916.66 |
|
| 34,885,106.15 |
E. |
Sundry Payables |
64,903,476.74 |
|
| 148,826,542.06 |
|
|
|
168,480,823.33 |
| |
12. Amalgamated Bank's Collection Account |
|
|
| 3,473,537.66 |
A. |
Ratnagiri Urban Co-op.Bank Ltd. |
3,473,537.66 |
|
| 4,415,775.00 |
B. |
Poona Co-op. Bank Ltd. |
4,415,775.00 |
|
| 7,889,312.66 |
|
|
|
7,889,312.66 |
| |
|
|
|
|
| |
|
|
|
|
| |
|
|
|
|
| 26,367,403,941.32 |
|
Total |
|
29,440,344,053.24 |
| |
|
|
|
|
| |
Contingent Liabilities |
|
|
| 350,733,903.75 |
A. |
Guarantees issued |
|
376,163,900.75 |
| 53,578,218.88 |
B. |
Letter of Credit |
|
15,387,920.00 |
| 694,611.00 |
C. |
Claims not acknowledge as debts |
|
694,611.00 |
| 405,006,733.63 |
|
Total Rs. |
|
392,246,431.75 |
| |
|
|
|
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| |
|
|
|
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| 31st March 2008 |
Properties & Assets |
31 Mar. 2009 |
31 Mar. 2009 |
| Rs. Ps. |
Rs. Ps. |
Rs. Ps. |
| |
1 Cash & Balances with Bank |
|
|
| 203,816,195.54 |
A. |
Cash on hand |
217,112,637.13 |
|
| |
B. |
Current Accounts with |
|
|
| 1,264,313,663.59 |
|
I. Reserve Bank of India |
1,446,520,655.45 |
|
| |
|
II. State Bank of India & associates |
|
|
| 7,304,225.98 |
|
i) State Bank of India |
8,202,495.67 |
|
| 8,482,839.48 |
|
ii) State Bank of Hyderabad |
9,718,176.55 |
|
| 164,071.97 |
|
iii) State Bank of Indore |
1,116,414.97 |
|
| 131,223.65 |
|
iv) State Bank of Bikaner & Jaipur |
15,419.00 |
|
| 2,854,378.67 |
|
v) State Bank of Mysore |
229,067.03 |
|
| 13,584,186.27 |
|
III. District Central Co-op.Banks |
14,582,873.47 |
|
| 7,407,562.62 |
|
IV. State Co-operative Banks |
239,044.29 |
|
| |
C. |
Fixed Deposits with Banks |
|
|
| 60,000,000.00 |
|
i) M.S.C.Bank Ltd.,Mumbai |
60,000,000.00 |
|
| 145,000,000.00 |
|
ii) District Central Co-op.Banks [Out of this, |
147,500,000.00 |
|
| |
|
Deposits of Rs.1200 Lakhs |
|
|
| |
|
earmarked for Statutory Reserve] |
|
|
| 1,713,058,347.77 |
|
|
|
1,905,236,783.56 |
| |
2. Balances with Other Banks |
|
|
| 78,690,431.12 |
A. |
Current Account |
67,965,831.39 |
|
| 0.00 |
B. |
Savings Account |
0.00 |
|
| 414,248,482.00 |
C. |
Fixed Deposit Account |
587,315,087.00 |
|
| 492,938,913.12 |
|
|
|
655,280,918.39 |
| 0.00 |
3. Money at call & short notice |
|
0.00 |
| |
4. Investments |
|
|
| |
A. |
In Central & State Govt.Securities at |
|
|
| |
|
book value |
|
|
| 7,133,083,047.75 |
|
SGL |
7,781,450,467.14 |
|
| |
|
(Face Value Current Year 7,298,267,500/-)
(Face Value Previous Year 6,709,178,500/-)
(Market Value Current Year 7,739,024,501.70)
(Market Value Previous Year 6,996,530,553.30) |
|
|
| |
|
|
|
|
| |
|
|
|
|
| |
|
|
|
|
| |
|
|
|
|
| 7,133,083,047.75 |
|
|
7,781,450,467.14 |
|
| |
B. |
In Other Trustee Securities |
|
|
| 62,530,880.00 |
|
at book value |
61,030,880.00 |
|
| |
|
(Face Value Current Year 61,325,000/-)
(Face Value Previous Year 62,825,000/-)
(Market Value Current Year 69,398,745)
(Market Value Previous Year 69,494,372.50) |
|
|
| |
|
|
|
|
| |
|
|
|
|
| |
|
|
|
|
| 62,530,880.00 |
|
|
61,030,880.00 |
|
| |
C. |
In Shares |
|
|
| 26,984,050.00 |
|
i) Co-op. Institutions |
26,984,050.00 |
|
| 1,000.00 |
|
ii) Maharashtra State Finance Corporation |
1,000.00 |
|
| 0.00 |
|
iii) I.F.C.I. |
0.00 |
|
| 0.00 |
|
iv) I.D.B.I. & Power Finance Corp. |
0.00 |
|
| 0.00 |
|
v) Power Finance Corporation |
0.00 |
|
| 26,985,050.00 |
|
|
26,985,050.00 |
|
| |
D. |
Other Investments |
|
|
| 736,460,160.00 |
|
In Bonds |
614,906,644.00 |
|
| |
|
|
|
|
| |
|
|
|
|
| |
|
|
|
|
| 736,460,160.00 |
|
|
614,906,644.00 |
|
| 7,959,059,137.75 |
|
Total (A)+(B)+(C)+(D) TOTAL INVESTMENTS |
|
8,484,373,041.14 |
| |
|
|
|
|
| 0.00 |
5. Investment out of the Principal/Subsidiary State Fund |
|
0.00 |
| |
|
|
|
|
| |
|
|
|
|
| |
6. ADVANCES |
|
|
| |
A. |
Short Term Loans, Cash-credit, |
|
|
| |
|
Overdraft & Bills Discounted of which |
|
|
| |
|
Secured against |
|
|
| 130,716,854.33 |
|
i) Govt. & Other approved Securities |
131,034,549.59 |
|
| 4,929,147,726.80 |
|
ii) Other Tangible Securities |
5,851,685,044.34 |
|
| 149,287,268.08 |
|
iii) On Personal Sureties |
152,179,570.19 |
|
| 5,209,151,849.21 |
|
Total (A) |
6,134,899,164.12 |
|
| 2,915,434,539.49 |
|
-- Due from Individuals |
3,976,272,353.92 |
|
| 491,165,659.59 |
|
-- Overdue Advances |
1,109,521,622.32 |
|
| 739,544,873.00 |
|
-- Bad & Doubtful Advances |
830,979,649.00 |
|
| |
B. |
Medium Term Loans of which |
|
|
| |
|
Secured against |
|
|
| 63,006,667.45 |
|
i) Govt. & Other approved Securities |
28,261,661.54 |
|
| 3,033,844,024.54 |
|
ii) Other Tangible Securities |
3,771,371,976.14 |
|
| 368,958,356.67 |
|
iii) On Personal Sureties |
532,327,587.93 |
|
| 3,465,809,048.66 |
|
Total (B) |
4,331,961,225.61 |
|
| 2,521,440,278.02 |
|
-- Due from Individuals |
2,567,778,138.81 |
|
| 316,413,532.64 |
|
-- Overdue Advances |
176,544,557.76 |
|
| 218,860,723.00 |
|
-- Bad & Doubtful Advances |
122,584,044.00 |
|
| |
C. |
Long Term Loans of which |
|
|
| |
|
Secured against |
|
|
| 4,656,038.00 |
|
i) Govt. & Other approved Securities |
4,750,187.00 |
|
| 3,949,348,320.06 |
|
ii) Other Tangible Securities |
4,928,240,298.13 |
|
| 28,701,262.12 |
|
iii) On Personal Sureties |
27,596,104.70 |
|
| 3,982,705,620.18 |
|
Total (C) |
4,960,586,589.83 |
|
| 2,938,110,684.08 |
|
-- Due from Individuals |
3,598,503,932.23 |
|
| 275,182,862.44 |
|
-- Overdue Advances |
214,712,112.02 |
|
| 151,034,685.00 |
|
-- Bad & Doubtful Advances |
173,221,486.00 |
|
| |
|
|
|
|
| 12,657,666,518.05 |
|
Total (A) (B) (C) TOTAL ADVANCES |
|
15,427,446,979.56 |
| |
|
|
|
|
| |
7. Interest Receivable |
|
|
| 211,179,533.27 |
A. |
On Investments (of which overdue - Nil) |
213,823,242.34 |
|
| |
|
|
|
|
| 105,446,701.82 |
B. |
Interest Receivable on NPA (as per contra) |
105,099,171.82 |
|
| |
|
|
|
|
| 1,728,811,394.00 |
C. |
On Advances - Unapplied Interest (as per Contra) |
1,625,040,998.60 |
|
| 2,045,437,629.09 |
|
|
|
1,943,963,412.76 |
| 61,888,786.63 |
8. Bills Receivable being bills for |
|
54,286,166.28 |
| |
|
Collection (As per contra) |
|
|
| 0.00 |
9. Branch Adjustment |
|
14,679,632.70 |
| |
10. Premises |
|
|
| 26,193,417.33 |
|
Cost |
26,193,417.33 |
|
| 0.00 |
|
Add : Additions |
5,393.90 |
|
| 88,875.00 |
|
New Purchase |
0.00 |
|
| 408,033,086.00 |
|
Increase on Account of Revaluation |
408,033,086.00 |
|
| 0.00 |
|
Less : Deletions |
0.00 |
|
| 434,226,503.33 |
|
Total Cost |
434,231,897.23 |
|
| |
|
Depreciation |
|
|
| 4,828,090.52 |
|
Less : Accumulated Depreciation |
14,762,131.52 |
|
| 1,067,588.00 |
|
: Current Year Depreciation |
1,021,573.00 |
|
| 8,866,453.00 |
|
: Depreciation on a/c of Revaluation Reserve |
8,866,453.00 |
|
| 14,762,131.52 |
|
Total Depreciation |
24,650,157.52 |
|
| 419,464,371.81 |
|
Closing Balance |
|
409,581,739.71 |
| |
11. Dead Stock, Furniture, Fixture, Fittings, |
|
|
| |
|
Library, Vehicles , Deferred Revenue & |
|
|
| |
|
Improvement to Premises |
|
|
| 154,227,449.12 |
|
Cost |
163,934,059.54 |
|
| 10,832,935.95 |
|
Add : Additions |
25,936,176.19 |
|
| 1,126,325.53 |
|
Less : Deletions |
605,798.33 |
|
| 163,934,059.54 |
|
Total Cost |
189,264,437.40 |
|
| |
|
Depreciation |
|
|
| 77,201,008.56 |
|
Less : Accumulated Depreciation |
97,812,567.15 |
|
| 20,611,558.59 |
|
: Current Year Depreciation |
18,291,627.09 |
|
| 97,812,567.15 |
|
Total Depreciation |
116,104,194.24 |
|
| 342,963.00 |
|
Capital work in progress |
1,460,000.00 |
|
| 66,121,492.39 |
|
Closing Balance |
|
74,620,243.16 |
| |
|
|
|
|
| |
12. Other Assets |
|
|
| 8,516,625.54 |
A. |
Income tax receivable (Net of Provision) |
19,107,592.92 |
|
| 208,010.00 |
B. |
Suspense Account |
248,000.00 |
|
| 2,031,617.00 |
C. |
Deposit with M.S.E.D Corporation. |
2,014,292.00 |
|
| 1,775,504.85 |
D. |
Stock of Printing & Stationery |
2,992,827.95 |
|
| 186,338,241.11 |
E. |
Other Receivables |
48,927,055.48 |
|
| 58,486,053.00 |
F. |
Unamortised Depreciation on Investments |
0.00 |
|
| 257,356,051.50 |
|
|
|
73,289,768.35 |
| |
13. Probable loss on account of |
|
|
| |
|
acceptance of liability of the deposit |
|
|
| |
|
of the Amalgamated Bank |
0.00 |
|
| 92,502.42 |
A. |
Ratnagiri Urban Co-op Bank Ltd. |
|
|
| |
|
(Amount Provided) |
|
|
| 72,537,606.16 |
B. |
Poona Co-op Bank Ltd.(Amount Provided) |
0.00 |
|
| 72,630,108.58 |
|
|
|
|
| |
14. Amalgamated Bank's Collection Account |
|
|
| 3,473,537.66 |
A. |
Ratnagiri Urban Co-op Bank Ltd. |
3,473,537.66 |
|
| 4,415,775.00 |
B. |
Poona Co-op Bank Ltd. |
4,415,775.00 |
|
| 7,889,312.66 |
|
|
|
7,889,312.66 |
| |
15. Profit & Loss Account |
|
|
| 691,142,260.43 |
|
Loss as per Last Balance Sheet |
613,550,308.97 |
|
| 0.00 |
|
Add : Loss for the year |
0.00 |
|
| 77,591,951.46 |
|
Less : Profit for the year |
223,854,254.00 |
|
| |
|
|
|
|
| 613,550,308.97 |
|
|
|
389,696,054.97 |
| |
|
|
|
|
| |
|
|
|
|
| |
|
|
|
|
| 26,367,403,941.32 |
|
Total |
|
29,440,344,053.24 |
| |
|
|
|
|
|
Profit & Loss Account for the period ended 31 March 2009
|
| |
|
|
|
|
| 31st March 2008 |
Particulars |
31 Mar. 2009 |
31 Mar. 2009 |
| Rs. Ps. |
Rs. Ps. |
Rs. Ps. |
| |
|
1. Interest on |
|
|
| 1,321,187,063.38 |
|
A. Deposits (Schd - E1) |
1,601,060,095.28 |
|
| 4,972,416.86 |
|
B. Borrowings (Schd - E2) |
5,660,836.33
|
|
| 0.00 |
|
C. Borrowings under LTD |
18,215,085.00 |
|
| 1,326,159,480.24 |
|
Total ( A+B+C ) |
|
1,624,936,016.61 |
| 220,385,353.68 |
|
2. Staff Cost (Schd- E3) |
|
259,865,402.64 |
| |
|
3. Directors Expenses |
|
|
| 0.00 |
|
Fees, Allowances |
0.00 |
|
| 237,673.00 |
|
Travelling & Meeting Expenses |
207,353.50 |
207,353.50 |
| 42,937,375.10 |
|
4. Rent, Rates, Light, Taxes & Insurance (Schd - E4) |
|
48,033,529.71 |
| 5,001,977.09 |
|
5. Legal & Court Expenses (Schd - E5) |
|
8,648,741.69 |
| 6,130,431.40 |
|
6. Audit Fees (Schd - E6) |
|
5,526,413.70 |
| 9,957,948.34 |
|
7. Postage,Telephone & Telegraph |
|
8,859,944.98 |
| |
|
8. Depreciation |
|
|
| 21,679,146.59 |
|
i) On Fixed Assets |
19,313,200.09 |
|
| 8,866,453.00 |
|
ii) On Revalued Assets |
8,866,453.00 |
|
| 30,545,599.59 |
|
|
|
28,179,653.09 |
| 7,955,390.40 |
|
9. Printing, Stationery & Advertisement ( Sch-E7) |
|
8,141,519.97 |
| 2,476,968.05 |
|
10. Building Maintenance |
|
1,463,192.76 |
| |
|
11. Other Expenditure |
|
|
| 6,260,255.00 |
|
A. Security Expenses |
|
