THE KALUPUR COMMERCIAL CO-OP. BANK LTD.

Átírás

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2 çkuflke Wå[ «ýkr fk ylku ÃkhtÃkhk ylkwmkkh ÞkuòÞu ykx{k yr¼ðkëlk Mk{khkun{kt Mðkøkík «ð[lk fhíkk çkuflkk [uh{ulk e LkðLkeík¼kE Mke. Ãkxu íkúkk zkþmk WÃkh WÃkÂMÚkík {nklkw¼kðku. çkuf îkhk ÞkuòÞu ykx{k yr¼ðkëlk Mk{khkun{kt Ãkkur ÞkuLkk ËËeoykuLke Mkuðk{kt Mk{økú SðLkLku Mk{ŠÃkík fhlkkh nuõúk yulz fuh VkWLzuþLk (Ãkkur Þku VkWLzuþLk)Lkk «ýuíkk ylku MÚkkÃkf «urmkzulx zkì. ¼hík¼kE ¼økíkLkwt Mk{kht¼Lkk «{w¾ Ãkqðo MkktMkË {klklkeþ e MkwhuLÿ¼kE yu{. Ãkxu Lke økrh{k{þe WÃkÂMÚkrík{kt þk ylku MkL{kLkÃkºk yulkkþík fhe yr¼ðkëlk fhíkk Mk{kht¼Lkk {wïþ {nu{klk òýeíkk WãkuøkÃkrík {klklkeþ e MktsÞ¼kE k ¼kE. çkuf îkhk ÞkuòÞu ykx{k yr¼ðkëlk Mk{khkun{kt çkuflkk kufh Y{{ktÚke { u ËkøkeLkk Ãkhík fhe Wíf]ü «{krýfíkklkwt WËknhý ÃkqÁ ÃkkzLkkh, çkuflke yklktëlkøkh þk¾klkk økúknf e rþrh»k¼ke yumk. þrlkùhklkwt þk ykuzkze, çkwfu ykãke MkL{kLk fhíkk Mk{kht¼Lkk MkL{krLkík {nu{klk {klklkeþ zkì. e ¼hík¼kE ¼økík. çkuf îkhk ÞkuòÞu ykx{k yr¼ðkëlk Mk{khkun{kt Äkuhý 10 {kt 88.50% {kõmko {u ððk çkë MxkV {ubçkh e {nulÿfw{kh yu{. Ãkxu Lkk Ãkwºk r[. Ëûkuþ yu{. Ãkxu Lkwt þw¼uåak {u{ulxku ykãke yr¼ðkëlk fhíkk Mk{kht¼Lkkt {wïþ {nu{klk ylku òýeíkk WãkuøkÃkrík {klklkeþ e MktsÞ¼kE k ¼kE.

3 çkuf îkhk ÞkuòÞu ykx{k yr¼ðkëlk Mk{khkun{kt ð»ko ËhBÞkLk Mk{ksLkk Lke[ k ðøkolkk kufku MkwÄe ÃknkU[e Ëhuf syrhþkík{tëkulku LkkLkk LkkLkk Äehký fhe {ke ku urzx{kt Wíf]ü fk{økehe fhlkkh {ubfku [kh hmíkk þk¾klkwt MkL{kLk fhíkk çkuflkk slkh {ulkush ylku Mke.E.yku. e rðlkkuë¼ke S. ËkË kýe fulmkh Ãkezeík çkk fkulkk SðLkLkk WíÚkkLk {kxu Vtz hueíªøk fhðklkk W{Ëk ykþþúke çkuflkk Mkk{kSf W khëkrþ ðlkk ¼køkYÃku çkuflkk MkkisLÞÚke çkuflke þk¾kyku{kt Save çk[ãklk rzmã u Ëþkoðíkk nku zøk {qfðk{kt ykðu íkúkk çkuf îkhk økwshkík fulmkh MkkuMkkÞxeLku YrÃkÞk ËMk k¾lkwt ËkLk ykãkðk{kt ykðu. Mkw«rMkØ çkurføk {uøkuíelk çku føk rlxþh îkhk Lkðe rëõ e ¾kíku ÞkuòÞu Mk{kht¼{kt çkuflku ºký yuðkuzo yulkkþík fhðk{kt ykðu. (1) çkumx [uh{ulk yuðkuzo (2) çkumx yulkãkeyu {ulkus{ulx yuðkuzo (3) VkÞLkkLMkeÞ exhmke yuðkuzo. çkuf ðíke yuðkuzo Mðefkhíkk çkuflkk slkh {ulkush ylku Mke.E.yku. e rðlkkuë¼ke S. ËkË kýe. Mkw«rMkØ y¾çkkh rëôþ¼kmfh îkhk y{ëkðkëlke uc fku.ykuãkhuxeð çkuf fuxuøkhelkku yu{elklmk yuðkuzo-2018 økwshkík hkßþlkk Wòo{tºke {klklkeþ e Mkkih¼¼kE Ãkxu Lkk ðhët nmíku yãkkþu. yuðkuzo Mðefkhíkk çkuflkk [uh{ulk e LkðLkeík¼kE Mke. Ãkxu. yk «Mktøku çkuflkk rzhuõxh e rfhex¼ke ykh. Ãkxu ylku çkuflkk [ev zuð kuãk{ulx ykurvmkh e Äe{tíkhkuÞ íkwh¾eþk nksh hìkk níkk.

4 Mk{ks{kt {rn kykulku rðrþ»x MÚkkLk ylku MkL{kLk «kó ÚkkÞ íku rð[khäkhklku æþklk{kt hk¾e, íkk. 8{e {k[o, 2019 Lkk hkus çkuf îkhk rðï {rn k rëlk Lke Wsðýe rlkr{ ku Þkusu fkþo {{kt {wïþ {nu{klk zkì. þuvk eçkulk ËuMkkE çkuflkk {rn k økúknfkulku MktçkkuÄLk fhe hìkk Au. {kuxe MktÏÞk{kt WÃkÂMÚkík hne {rn k økúknfkuyu yk fkþo {Lku MkV çklkkôþku níkku. çkuflke Ãkt[ðxe þk¾kyu ºkeMk{k ð»ko{k «ðuþlke Wsðýe íkúkk rðï ykhkuøþrëlklke Wsðýe rlkr{ ku y{ëkðkë huz kumk MkkuMkkÞxeLkk MknÞkuøkÚke Þkusu hõíkëklk fubãklkwt {tøk ËeÃk «økxkðe þw¼kht¼ fhíkk þnuhlkk òýeíkk ykuãúkku{ku kursmx zkp. Ãkrh{ ¼kR yu{. ËuMkkR, zkp. {kulkkçkulk Ãke. ËuMkkR, MkkRrfÞkxÙeMx zkp. hkslk¼kr Mke. {rýþkh, ÍkÞzMk nkuâmãkx Lkk Lku ku kursmx zkp. rn{ktþw¼kr yu. Ãkxu, çkuflkk [uh{ulk e LkðLkeík¼kR Mke. Ãkxu, yk «Mktøku ðkrmk [uh{ulk e r{lkuþ¼kr su. Ãkxu, rzhuõxh e ¼ k¼kr Mke. Ãkxu, rzhuõxh nmk{w¾¼kr S. Ãkxu, Ãkt[ðxe þk¾k rðfkmk Mkr{ríkLkk [uh{ulk e ysík¼kr ykh. þkn, e Ãkhuþ¼kR yulk. ík kxe, slkh {ulkush e rðlkkuë¼kr S. ËkË kýe, e ¼qÃkuLÿ¼kR su. þkn rðøkuhu nksh hìkk níkk. (íkk ) çkuflke zùkrð RLk hkuz þk¾klkk Ãkå[eMk{k ð»ko{kt «ðuþlke Wsðýe rlkr{ ku Þkusu hõíkëklk fubãk{kt {tøk ËeÃk «økxkðe fubãklkku þw¼kht¼ fhkðíkk fkþo {Lkk {wïþ {nu{klk økwshkík hkßþlkk [ev [uhexe fr{~lkh e ðkþ. yu{. þwõ. yk «Mktøku çkuflkk [uh{ulk e LkðLkeík¼kR Mke. Ãkxu, rzhuõxh e nmk{w¾¼kr S. Ãkxu, zùkrð RLk hkuz þk¾k rðfkmk Mkr{ríkLkk ðkrmk [uh{ulk e ËuðuLÿ¼kR Ãke. Ãkxu, e ÃkkuÃkx k S. Ãkxu, çkkuzo Mku uxhe e {nulÿ¼kr ykh. Ãkxu, ykmke. slkh {ulkush e Ãkhuþ¼kR Ëðu, y{ëkðkë huz kumk MkkuMkkÞxeLkk ykmke. rzhuõxh ylku þíkf hõíkëkíkk e MkqÞofkLík¼kR LkkÞf, fubãk fku. ykušzlkuxh e Mke. yulk. þwõ, þk¾k {ulkush e Ä{uoþ Ãkxu nksh hìkk níkk. (íkk ).

5 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. Est. on : BANKERS : Reserve Bank of India State Bank of India The Gujarat State Co-op. Bank Ltd. The Ahmedabad Dist. Co-op. Bank Ltd. Bank of Baroda Corporation Bank Union Bank of India Central Bank of India H.D.F.C. Bank Ltd. I.C.I.C.I. Bank Ltd. The Karur Vysya Bank Ltd. Yes Bank Ltd. Federal Bank Banking Lic. No. ACD-GJ-161 P Dt (Under B.R. Act, 1949 Reserve Bank of India) Reg. No. MSCS/CR/54/95 Dt (Under M.S.C.S Act, 1984) Scheduled Banks status : PAN : AAAAT9360R TAN : AHMK00480E GSTIN No. : 24AAAAT9360R1ZT (Gujarat) GSTIN No. : 27AAAAT9360R1ZN (Maharashtra) Head Office : KALUPUR BANK BHAVAN, Near Income Tax Circle, Ashram Road, Ahmedabad Phone : to Fax : , info@kalupurbank.com Website : Toll Free No. : BANKERS FOR FOREIGN EXCHANGE BUSINESS COMMERZ BANK - A.G. FRANKFURT HABIB AMERICAN BANK - N.Y., USA 49 Annual Report STATUTORY AUDITORS : R. S. PATEL & CO. CHARTERED ACCOUNTANTS LEGAL ADVISORS : RAMANLAL M. SHAH & CO. - ADVOCATE RAMANLAL M. SHAH & CO. - CIVIL K. J. JADEJA & CO., ADVOCATE NANAVATI ASSOCIATES

6 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. e LkðLkeík¼kR [e{lk k Ãkxu [uh{ulk e {elkuþ¼kr sþ¼kr Ãkxu ðkrmk [uh{ulk e ytçkw¼kr {øklk¼kr Ãkxu [uh{ulk-yu{urhxmk e ÃkhMke yuv. ¼Y[k {ulkustøk rzhuõxh çkkuzo ykuv rzhuõxmko rzhuõxmko e zkp. rëlkuþ¼kr {ýe¼kr y{elk e çkeãkelk[tÿ híke k þkn e rfhex¼ke hk{¼ke Ãkxu e fkiþef¼kr LktËw¼kR Ãkxu (Mkeyu) e ¼ k¼kr Akuxk¼kR Ãkxu (íkk MkwÄe) e nmk{w¾¼kr økkuãkk ËkMk Ãkxu e ytçkh¼kr sþtíke k Ãkxu e þi u»k¼kr ðk S¼kR MkkuLkkhk e{íke ÃkqðeoçkuLk ylktíkklktë Ãkku¾heÞk e{íke {käðeçkulk íkw»kkh¼ke Ãkxu Shri Navnitbhai Chimanlal Patel Chairman Shri Mineshbhai Jashbhai Patel Vice Chairman Shri Ambubhai Maganbhai Patel Chairman Emeritus Shri Percy Faramroj Bharucha Managing Director Shri Dr. Dineshbhai Manibhai Amin Shri Bipinchandra Ratilal Shah Shri Kiritbhai Rambhai Patel Shri Kaushikbhai Nandubhai Patel (CA) Shri Bhalabhai Chhotabhai Patel (upto ) Shri Hasmukhbhai Gopaldas Patel Shri Ambarbhai Jayantilal Patel Board of Directors Directors Shri Shaileshbhai Valjibhai Sonara Smt. Purviben Anantanand Pokhariyal Smt. Madhviben Tusharbhai Patel ðrhc yräfkhe øký Executives rðlkkuë S. ËkË kýe slkh {ulkush ylku MkeRyku {nulÿ¼kr ykh. Ãkxu yuõíeõþwxeð Mku uxhe xw çkkuzo yãkqðo su. Ãkxu zuãþwxe slkh {ulkush ylke yu{. e{k e zuãþwxe slkh {ulkush Mkwfw{kh fu. Ãkxu zuãþwxe slkh {ulkush - urzx rmkhkswæelk S. rmkæfe nuz ykuv rzãkkxo{ulx - yke.xe. ytçkk k yumk. Ãkxu zuãþwxe slkh {ulkush Äe{tík hkuþ íkwh¾eþk MkeLkeÞh yuõíeõþwxeð Ãkhuþ¼kE su. Ëðu ykmke. slkh {ulkush rðlkkþf su. Ãkxu ykmke. slkh {ulkush Ãktfs¼kE ykh. Ãkhe¾ ykmke. slkh {ulkush íkusulÿ yu. Ãkxu ykmke. slkh {ulkush hkfuþ¼ke çke. Ãkxu ykmke. slkh {ulkush [uíklk yu. Ãkxu ykmke. slkh {ulkush «ríkf yu. ËuMkkE ykmke. slkh {ulkush rfhý Ãke. Ãktzâk ykmke. slkh {ulkush Mk{eh çke. Ãktzâk ykmke. slkh {ulkush ¼hík fu. Ãkxu ykmke. slkh {ulkush hksuþ yulk. hkxe ykmke. slkh {ulkush LktËrfþkuh Þw. økkumðk{e MkeLkeÞh yuõíeõþwxeð f{ uþ ðe. Ëðu MkeLkeÞh yuõíeõþwxeð «fkþ ze. [tÿkºku MkeLkeÞh yufíeõþwxeð ËeÃkf¼kR ykr. Lkkýktðxe ykmke. slkh {ulkush Vinod G. Dadlani General Manager & CEO Mahendrabhai R. Patel Executive Secretary to Board Apurva J. Patel Dy. General Manager Anil M. Shrimali Dy. General Manager Sukumar K. Patel Dy. General Manager-Credit Sirajuddin G. Siddiqui Head of Department - I.T. Ambalal S. Patel Asst. General Manager Dhimant Roy Turkhia Senior Executive Pareshbhai J. Dave Asst. General Manager Vinayak J. Patel Asst. General Manager Pankajbhai R. Parikh Asst. General Manager Tejendra L. Patel Asst. General Manager Rakeshbhai B. Patel Asst. General Manager Chetan A. Patel Asst. General Manager Pratik A. Desai Asst. General Manager Kiran P. Pandya Asst. General Manager Samir B. Pandya Asst. General Manager Bharat K. Patel Asst. General Manager Rajesh N. Rai Asst. General Manager Nandkishore U. Goswami Senior Executive Kamlesh B. Dave Senior Executive Praksh D. Chandratre Senior Executive Deepakbhai I. Nanavati Asst. General Manager 02

7 49 Annual Report LkkuxeMk ykúke çkuflkk Mkðuo Mk¼kMkËkuLku sýkððklkwt fu, çkuflke 49{e ðkš»kf MkkÄkhý Mk¼k, íkk lku þw ðkhlkk hkus MkktsLkk 4-00 f kfu, su. çke. ykurzxkurhþ{, y{ëkðkë {ulkus{ulx yumkkurmkyuþlk, yxehk fubãkmk, zkp. rð { Mkkhk¼kR {køko, y{ëkðkë ¾kíku Lke[uLkk fk{fks MkkY { þu, sulke LkkUÄ R ykãk elku Mk{ÞMkh nksh hnuðk rðlktíke Au. fkþomkq[e :- 1) íkk lkk hkus { u ðkš»kf MkkÄkhý Mk¼kLke r{rlkxtmklke LkkUÄ R çknk e ykãkðk çkkçkík. 2) íkk Lkk hkus Ãkqhk ÚkÞu k ð»ko {kxu çkkuzo ykuv rzhuõxmkuo íkiþkh fhu rhãkkuxo, çkuflkwt ykurzx ÚkÞu wt MkhðiÞwt, LkVk- LkwfþkLk ¾kíkkLkk rnmkkçkku ylku ð»ko Lkwt ytëksãkºk {tsqh fhðk íkúkk ð»ko Lkk MxuåÞwxhe ykurzxmkolkk rhãkkuxolke LkkUÄ uðk çkkçkík. 3) çkkuzo ykuv rzhuõxmkuo fhu ¼ k{ý {wsçk LkVkLke ðnu[ýe ylku rzrðzlz {tsqh fhðk çkkçkík. 4) Lkk ð»ko {kxu, çkuflkk rnmkkçk íkãkkmkðk MxuåÞwxhe ykurzxhlke rlk{ýqtf fhðk çkkçkík. çkuflkk çkkuzo ykuv rzhuõxmko îkhk ykh.yumk.ãkxu yulz fwt>, [kxozo yufkwlxlxlkk Lkk{Lke ¼ k{ý fhðk{kt ykðu Au. 5) çkuflkk yulk.ãke.yu. ÚkÞu kt ¾kíkkt ÃkifeLkk ¾kíkkyku{kt, çkuflke ðkš»kf MkkÄkhý Mk¼kyu ykãku k yräfkh ylkwmkkh çkuflkk çkkuzo ykuv rzhuõxmkuo, ð»ko Ëhr{ÞkLk y{wf ¾kíkkyku{kt uýe hf{ {ktzðk fhðk fu hkník ykãkðk fhu e ¼ k{ýlku çknk e ykãkðk çkkçkík. 6) çkuflkk çkkuzo ykuv rzhufxmko îkhk,çkuflkk Ãkuxk fkþëkyku{kt Mkt ølk Ãkrhrþü y {kt ËþkoÔÞk «{kýu ¼ k{ý fhkþu k MkwÄkhkykuLku {tsqh fhðk çkkçkík. 7) [uh{ulk elke {tsqheúke su fktr fk{ hsq ÚkkÞ íku WÃkh rð[khýk fhðk íkúkk rlkýoþ uðk çkkçkík. y{ëkðkë íkk çkkuzo ykuv rzhuõxmkolkk ykëuþúke rðlkkuë S. ËkË kýe slkh {ulkush yulz Mke.E.yku. LkkUÄ : Mk¼kMkËkuLku ¾kMk rðlktíke 1) fkuh{lkk y¼kðu Mk¼k {w íðe hnuþu íkku íkus rëðmku íkus MÚk u yzäk f kf çkkë Mk¼k VheÚke { þu su fkþëumkh økýkþu ylku yuslzk {wsçklke fkþoðkne fhþu. 2) ykãk MkkÄkhý Mk¼k{kt ykðku íþkhu ykãklkwt Mk¼kMkË yku ¾Ãkºk MkkÚku kððk rðlktíke Au. Mk¼kMkË rmkðkþlke ÔÞÂõíkLku ðkš»kf MkkÄkhý Mk¼k{kt «ðuþ ykãkðk Ëuðk{kt ykðþu Lknª íkulke ¾kMk LkkUÄ uðk rðlktíke. 3) su Mk¼kMkËkuLku MkhðiÞk íkúkk LkVk-LkwfþkLkLkk rnmkkçk ytøku Mk¼k{kt ðäw {krníke òuríke nkuþ íku{ýu MkkÄkhý Mk¼kLke íkkhe¾úke fk{fkslkk [kh rëðmk yøkkw çkuf{kt ur¾ík {ktøkýe {kuf e ykãkðk rðlktíke Au. ðkš»kf ynuðk çkuflke Ëhuf þk¾k{kt íkúkk çkuflke ðuçkmkkrx. Ãkh WÃk çä Au. 4) ð»ko Lkk rzrðzlzlke hf{ Mkk{kLÞ Mk¼kLke çknk e { uúke íkk Úke Mk¼kMkËkuLkk çkuf yufkwlx{kt s{k fhðk{kt ykðþu. 5) rhíðo çkuflkk ykëuþ ylkwmkkh Ëhuf Mk¼kMkËLkk KYC MktçktrÄík Ãkwhkðkyku uðklkwt VhrsÞkík ÚkÞu nkuðkúke su Mk¼kMkËkuyu KYC MktçktrÄík Ãkwhkðkyku Ãkwhk Lkrn Ãkkzâk nkuþ, íku{lku ykðk Ãkwhkðkyku Ãkwhk Ãkkzâk çkkë s rzrðzlz [wfðkþu. 6) su Mk¼kMkËkuyu ns MkwÄe íku{lkk ðkhmkëkhlke rlk{ýqtf Lk fhe nkuþ íku{lku ðkhmkëkhlke rlk{ýqtf fhðk rðlktíke Au. 7) çkuflkk Ãkuxk fkþëk ylkwmkkh íkúkk ¼khíkLkk çktäkhý{kt ÚkÞu k 97 {k MkwÄkhk ylkwmkkh, çkuflkk Ëhuf Mk¼kMkËu, íku{lkw Mk¼kMkËÃkýwt [k w hk¾ðk {kxu çkuflke fkur Ãký yuf Mkuðk uðe VhrsÞkík Au, íkuúke çkuflkk Ëhuf Mk¼kMkË / Mk¼kMkË ÃkuZeykuLku rðlktíke Au fu íkuyku ykãkýe çkuf{kt çk[ík/[k w ¾kíkk ¾ku kðu fu çkuflke çkes fkur Ãký yuf Mkuðk R çkuflkk Ãkuxk fkþëk {wsçk Mk¼kMkËÃkýkLkk rlkþ{kulkwt Ãkk Lk fhu suúke íku{lku [qfððk Ãkkºk rzrðzlzlke hf{ ¾kíkk{kt s{k fhðk{kt Mkwøk{íkk hnu. 8) Mk¼kMkËkuLkk íkusmðe rðãkúkeoykulkk k¼kúkuo çkuf{kt fk wãkwh çkuf rþ»þð]r k ÞkusLkk íkúkk rëðtøkík Mk¼kMkËkuLkk ykr íkkulku MknkÞ fhðk {kxu Mk¼kMkË MknkÞ ÞkusLkk y{ {kt Au. Mk¼kMkËkuLku yk ÞkusLkkykuLkku k¼ uðk rðlktíke Au. 03

8 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. NOTICE Notice is hereby given to all e members of bank at 49 Annual General Body Meeting of members of e Bank will be held on 14 June, 2019, Friday at 4.00 p.m. at J.B. Auditorium, Ahmedabad Management Association, Atira Campus, Dr. Vikram Sarabhai Marg, Ahmedabad , to transact e following business. (1) To read and approve e minutes of General Body Meeting held on (2) To consider and adopt e report of Board of Directors, e Audited Balance Sheet; Profit and Loss Account, and Statutory Auditors report for e year and approve budget for e year (3) To approve appropriation of profit and declare dividend as recommended by e Board of Directors. (4) To appoint Statutory Auditors for e year The Board of Directors recommends appointment of M/s R.S. Patel & Co, Chartered Accountants, to carry out Statutory Audit of e bank. (5) To ratify e recommendation of Board of Directors for write off and waiver in NPA accounts as per e powers given by General Body. (6) To approve amendments to Bank's Bye-laws as recommended by e Board of Directors, as notified in e Annexure 'A' (7) Any oer matter wi e approval of Chairman. By e order of Board of Directors Ahmedabad Dt: Vinod G. Dadlani General Manager & CEO 04 Note: (1) If e meeting is adjourned for want of quorum, it will be held on e same day at e same place after half an hour, which will be considered legal and business of e meeting will be conducted as per e agenda. (2) Please bring your membership card for attending e meeting. Only members will be permitted to attend e meeting. (3) Members desirous of obtaining additional information regarding Balance Sheet and Profit & Loss accounts, are requested to send eir written request to Bank, four working days in advance from e date of Annual General Body Meeting. Copies of Annual Report are available at bank s branches as well as on Bank s website (4) Dividend for e year will be credited to e accounts of e members after approval by e Annual General Body Meeting, from onwards. (5) As obtention of KYC related documents of members has been made compulsory by Reserve Bank of India, dividend will be paid only to ose members who have furnished KYC related documents for eir shareholding as well as Savings/current accounts. (6) Members who have not done nomination are again requested to invariably make nominations. (7) As per Bank s Bye-laws and 97 constitutional Amendment Members of bank are required to avail atleast one service of our bank to continue to be eligible for membership. Members / member firms are erefore requested to open savings/current account and comply extant rules/bylaws pertaining to membership wi our bank to facilitate payment of dividend. (8) ''Kalupur Bank Scholarship Scheme'' for meritorious children of members and ''Member Benefit Scheme '' for e benefit of dependents of deceased members are being implemented by bank. Members are requested to avail benefit of ese schemes.

9 49 Annual Report {klklkeþ Mk¼kMkË ¼kRyku ylku çknulkku, MkkiLku Lk{Mfkh! çkuflke 49{e ðkš»kf MkkÄkhý Mk¼k{kt ykãk MkðuoLkwt Mðkøkík fhíkkt nwt n»ko ylku yklktëlke køkýe ylkw¼ðwt Awt. ykãkýe çkufu íkulke ÞþMðe fkhrfëeolkkt 48 ð»ko Ãkqhkt fþko Au. yk Mk{Þøkk k Ëhr{ÞkLk çkufu ík{k{ ûkuºkku{kt LkkUÄÃkkºk «økrík fhe Au ylku ¼khík¼hLke yçkolk Mknfkhe çkufku{kt MkL{kLkLkeÞ MÚkkLk ò ðe hkïþwt Au. çkuflkk Mk¼kMkËku,çkkuzo ykuv rzhuõxmkolkk rlkckðklk MkÇÞ eyku, þk¾k rðfkmk Mkr{ríkLkk MkÇÞ eyku, þw¼uåafku, økúknfku ylku f{o[kheyuklkku çkuflke «økrík{kt y{qõþ ÞkuøkËkLk hnu Au íku çkë nwt ykãk MkðuoLkku ytík:fhýãkqðof yk¼kh {klkw Awt. çkufu MkLku Ëhr{ÞkLk fhu fk{økehelkku íkúkk íkk Lkk hkuslke çkuflke ykšúkf ÃkrhÂMÚkríkLkku ynuðk hsq fhíkkt Ãknu kt, ykãkýk ËuþLke çkufkulke ðíko{klk ykšúkf ÃkrhÂMÚkríkLkku r[íkkh íkúkk çku føk ûkuºku ykðe hnu k VuhVkhku ytøku {khk rð[kh xqtf{kt hsq fheþ. MkLku ËhBÞkLk ykãkýe çkuflkku fkhkuçkkh Yk.11,616/- fhkuzlku yktçke økþku Au. ð»ko ËhBÞkLk ykãkýe çkufu rähký{kt 19.81% íkúkk ÚkkÃkýku{kt 6.83% Lkkt ð]âæä MkkÚku LkkUÄÃkkºk «økrík fhu Au.ykÃkýe çkuflke fk{økehelke rðmík]ík {krníke çkkuzo ykuv rzhuõxmkolkk ynuðk {kt ykãkðk{kt ykðe Au. ËuþLke ykšúkf ÃkrhÂMÚkrík : ykãkýlku MkðuoLku { íkk ònuh Mk{k[khku {wsçk, ¼khík rðï{kt MkkiÚke ÍzÃkÚke ð]âæä Ãkk{íkkt yúkoíktºkku{ktlkwt yuf Au íkúkk rðïlkk yúkoíktºkku{kt ¼khík «Úk{ ËMk{kt MÚkkLk Ähkðu Au ylku ykøkk{e Úkkuzk ð»kkuo{kt ¼khík rðïlke xku[lke Ãkkt[ ykšúkf þâõíkyku{kt ÃkkuíkkLkwt MÚkkLk {u ðþu íkuðwt ylkw{klk Au.ð»ko Ëhr{ÞkLk ykãkýk ËuþLkku GDP Ãký ðæþku Au ylku Ëh ð»kuo ðäíkku hnuþu yuðe MkhfkhLku ykþk Au. ¼khík MkhfkhLkk ð»ko Lkk ð[økk klkk çksux{kt syrhþkík{të ¾uzqíkku, ykšúkf heíku ÃkAkík ðøko, fk{ëkhku íkúkk ÃkøkkhËkh f{o[kheykulkk rðfkmk Ãkh ¾kMk ¼kh {qfðk{kt ykôþku Au. íkëtãkhktík ¼khík Mkhfkhu ¼kiríkf ylku Mkk{kSf {k ¾kLku (Physical & Social Infrastructure) su ðuøk ykãku Au íkulku Ãký yk çksuxu Mk{ÚkoLk ykãþwt Au. yk çksux{kt [uh{ulk elkwt rlkðuëlk {wïþíðu MkkuþeÞ EL kmxùõ[h, Mkh SðLkþi e íkúkk xuflkku kus Mkßs økðolklmk îkhk ÔÞkÃkf ylku Mk{kLk rðfkmk Ãkh ¾kMk ¼kh {qfðk{kt ykôþku Au. ykðf ðuhk ÃkhLke {wâõík {ÞkoËk{kt ðäkhku ÚkðkLkk fkhýu Yk.5,00,000/- MkwÄeLke ykðf Ähkðíkk fhëkíkklku VkÞËku Úkþu. «ÄkLk{tºke {Þkuøke {klkälk ÞkusLkk nux ËuþLkkt LÞqLkík{ ðuíklk½khfkulku Mkk{kSf Mkwhûkk Ãkqhe ÃkkzðkLke MkhfkhLke RåAk Au. ylzh flmxùõþlk nkwmkªøk «kusuõx íkúkk yvkuzuoçk nkwmkªøk Ãkh køkíkk GST Ëh{kt ½xkzku fhðk{kt ykðu Au. sulkk Ãkrhýk{u hey yumxux ELzMxÙeÍ íkúkk íkulke MkkÚku Mktf kþu Mke{uLx ylku Mxe WãkuøkLku ðuøk { þu. xuflkku kus Mkûk{ xuûk MkeMx{ çklkkððklkwt ¼khík MkhfkhLkwt ð ý ykðfkþo Au. xqtf{kt yk çksux ËuþLkk Wßsð ¼rð»Þ {kxulkku {køko Mkq[ðu Au. çku føk ûkuºku ykðe hnu VuhVkh : ykãk{ktúke ½ýk ðkt[íkk nþku íku «{kýu VwøkkðkLkk Lke[k Ëh íkúkk ËuþLkk «ðíko{klk ykšúkf Ãkrhçk kulku æþklk{kt hk¾elku rhíðo çkuf ykuv EÂLzÞkyu yk ð»kolke LkkýktfeÞ LkeríkLkwt ð ý Calibrated tightening Úke Neutral fhu Au. íku ylkwmktäklk{kt RBI yu Vuçkúwykhe-2019{kt huãkkuhux{kt 0.25% Lkku ½xkzku fhelku 6.25% ònuh fhu Au. su{kt yur«-2019{kt Vhe 0.25% Lkku ½xkzku fhe huãkkuhux 6.00% fhu Au. yk rlkýoþ flíþw{h «keí ELzuûk (MkeÃkeykE) Vwøkkðk ËhLku 4% Úke Lke[u xfkðe hk¾ðklkk WÆuþÚke uðk{kt ykðu Au. huãkkuhux{kt ½xkzku ÚkðkÚke, fhsëkhkulku rähký [qfðýelkk {krmkf nók{kt hkník hnuþu íkúkk rähkýlkk rðfkmklku ðuøk { þu. ¼khíkeÞ çku føk ûkuºklku {qze Mkßs çklkkððklkk «ÞíLkku Mkhfkh îkhk ÚkR hìkk Au. ylþ ËuþkuLke Mkh¾k{ýe{kt ykãkýk ËuþLke ykšúkf íkúkk LkkýktfeÞ ÃkrhÂMÚkrík yuftëhu Mkkhe Au. urzx, {kfuox ylku r Âõðrzxe hemflkku yçþkmk Mkq[ðu Au fu ¼khíkeÞ çkufku Mkûk{ Au ylku ðirïf {tëe{kt Ãký íku{ýu ÃkkuíkkLkwt MÚkkLk xfkðe hk¾u Au. ykãkýk ËuþLke fux ef hk»xùeþf]ík çkufku suðe fu ËuLkk çkuf, rðsþk çkuflku çkuf ykuv çkhkuzk{kt {so fhelku çku føk ûkuºk{kt fkulmkku ezuþlklke «r Þk Mkhfkh îkhk fhðk{kt ykðe Au su ykðfkhëkþf Au. nsw ðäw çkufkulkwt {soh Úkþu yuðwt ylkw{klk Au. íkksuíkh{kt ¼khíkeÞ çku føk ûkuºk{kt Ãku{uLx ylku M{ku VkRLkkLMk çkuf suðkt LkðeLkík{ çku føk {kuz WËT¼ÔÞkt Au. sulkkúke çku føk ûkuºk{kt nhevkr íkeðú çklke Au. 05

10 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. LkkýktfeÞ ð»ko , çkufku {kxu LkkUÄÃkkºk hìkwt Au. ð»ko Ëhr{ÞkLk çku føk ûkuºku rähkýlkku ð]âæäëh 9.85% Úke ðäelku 13.23% ÚkÞku Au íkúkk ÚkkÃkýkuLkku ð]âæäëh 6.15% Úke ðäelku 9.99% ÚkÞu Au. yk Mkq[ðu Au fu ÚkkÃký ð]âæäëh, rähkýð]âæä Ëh fhíkkt ykuaku Au. ònuhûkuºklke çkufkulkwt ÃkwLk:{qze «krófhý, íku{lke LkkýktfeÞ ÂMÚkrík{kt Úkíkku Mkíkík MkwÄkhku, Insolvency and Bankruptcy Code nux Stressed assets Lkku ÍzÃke Wfu, çkuflkk rähkýlku ð]âæä íkhv Ëkuhe sþu, sulkk eäu hkufkýku{kt Ãký ð]âæä Úkþu. ykúke s nwt yºku WÃkÂMÚkík Mkðo Mk¼kMkËku íkúkk økúknfkulku çkuf{kt ðäwlku ðäw ÚkkÃkýku {qfðk rðlktíke fát Awt suúke ykãkýu rähkýlke ð]âæälku ÃknkU[e ð eyu. ykãk Mkki òýku Aku, íku{; RBI yu Mknfkhe çkufku{kt Board of Management Lke h[lkk {kxu zùk^x {køkoëþeofk ònuh fhe Au. íku {wsçk, ½ýe yçkolk Mknfkhe çkufkuyu Board of Management Lke h[lkk fhðe Ãkzþu. yk ytøkulke ytrík{ {køkoëþeofklke hkn òuþk rðlkk ykãkýe çkufu ykãkýk Ãkuxk fkþëk{kt íku ytøkulkk MkwÄkhk {tsqh fhðk yk Mk¼k{kt {qfu Au; sulku {tsqhe ykãkðk rðlktíke Au. íkæwãkhktík, RBI yu yçkolk fku.ykuãk. çkufkulku ykšúkf heíku Mkûk{ çklkkððk íkúkk ÚkkÃkýËkhkuLkk çkuf «íþulkk rðïkmk{kt ðäkhku fhðklkk nuíkwúke Umbrella Organisation MÚkkÃkðkLke Ëh¾kMík fhe Au. Umbrella Organisation Lkk y{ efhýúke ¾kMk fhelku LkkLke yçkolk fku-yku. çkufkulke fk{økehe{kt íkúkk íku{lke ykšúkf ylku LkkýktfeÞ ÂMÚkrík{kt MkwÄkhku Úkþu. Umbrella organisation yk çkufkulku íkh íkk íkúkk {qze MknkÞ Ãkqhe Ãkkzþu. íkæwãkhktík, çkufku {kxu {krníke ylku íkflkefe EL kmxùõ[hlke MÚkkÃkLkk fhþu sulkk eäu çkufku ykuak Ëhu, ðäw Mkkhe Mkuðkyku Ãkqhe Ãkkze þfþu. yk WÃkhktík, Umbrella Organisation çkufkulku Vtz {ulkus{ulx íkúkk ylþ flmk xlmke Mkuðkyku Ãkqhe Ãkkzþu. State Federation Lke ykøkuðklke nux, økwshkík, Umbrella Organisation Ähkðíkwt «Úk{ hkßþ çklkðk sr hìkwt Au. çku føk ûkuºku, xuflkku kus íkúkk zesx [ulk kulkk ðäíkk síkk ðãkhkþlku fkhýu, Cyber Frauds ðæþk Au. yk Mkt˼o{kt Cyber Mkwhûkk ðäkhðklkk nuíkwúke RBI yu yçkolk fku-ykuãk çkufku {kxu íkk: Lkk hkus Cyber Mkwhûkk rlkþtºký {k ¾k ytøkulkku ÃkrhÃkºk çknkh Ãkkzu Au. íkulkk Mkt˼o{kt ykãkýe çkufu yk rlkþtºkýkulku y{ {kt {qfðk íkúkk MkkÞçkh nw{ kúke çk[ðk {kxu Ãknu uúke s Ãkøk kt uðklkk [k w fhe ËeÄk Au. yk ytøku ykãkýe çkuf, / SMS îkhk økúknfkulku ð¾íkku ð¾ík {køkoëþolk ÃkwÁt Ãkkzu Au. nwt Mkðuo Mk¼kMkËkuLku yk {køkoëþolklku ylkwmkhðk íkúkk Mk[uík hnuðk rðlktíke fyt Awt. yufëu, ¼khíkeÞ yúkoíktºklkwt íkúkk çku føk ûkuºklkwt ¼krð ykþkmãkë Au.ykÃkýe çkuflkk çkäk s f{o[kheyku, çkuflkk MkðkOøke rðfkmk {kxu íkúkk íkusmðe ¼rð»Þ {kxu Mkíkík fkþoþe hnu íkuðe nwt ykþk hk¾wt Awt. ykãk MkkiLku sýkðeyu fu rzmkubçkh {kt ykãkýe çkuf Mkwðýo sþtrík ð»ko{kt «ðuþe hne Au. ykãkýu Mkki MkÇÞku, økúknfku ylku f{o[kheykulkk MknfkhÚke yk «MktøkLku Äk{Äq{Úke Wsðeþwt. su heíku ykãk Mkkiyu çkuflke 49 ð»kolke rðfkmk Þkºkk{kt y{qõþ ÞkuøkËkLk ykãku Au íkus heíku ykãk Mkki çkuflkk Mkwðýo sþtrík ð»kolke Wsðýe{kt Mknfkh ykãkku íkúkk çkuflku Lkðk rþ¾hku Mkh fhðk {ËËYÃk çklkku íkuðe y{u ykãk MkkiLku rðlktíke fheyu Aeyu. sþ Mknfkh, sþ ¼khík LkðLkeík¼kE Mke.Ãkxu [uh{ulk 06

11 49 Annual Report CHAIRMAN S STATEMENT Respected members, It gives me immense pleasure to welcome you to e 49 Annual General Body Meeting of our bank. Our bank has completed 48 years of its glorious journey. During is period, our bank has made significant progress in all e spheres of banking activities and established itself as a respectable urban co-operative bank in India. I am ankful to Shareholders, Members of Board of Directors, Branch Development Committee members, well-wishers, customers, staff members for eir co operation and support extended in achieving significant progress of e bank. Before presenting e report on e working of e bank during e year under review, I would like to present my views on economic scenario of our country and e changes which took place in e banking sector in our country. During e year , our bank has achieved business mix of Rs Crores wi 19.81% grow in Advances and 6.83% grow in Deposits which can be considered satisfactory. Details of working of our bank are provided in e report of Board of Directors. Domestic Economy Scenario: As per news reports, India has emerged as one of e fastest growing major economy in e world and one of e 10 largest economy of e world. India is expected to be one of e top five economic powers of e world in upcoming years. During e year , e GDP of e country has also increased and it is expected to furer increase every year. In Interim Union Budget , e main focus has been given on supporting e needy farmers, economically less privileged families, workers in e unorganized sector and salaried employees, e budget has also given support to governments efforts for furer progress of physical and social infrastructure.the rust of is Budget was on development of social infrastructure, ease of doing business and technology-driven governance aimed at inclusive and equitable grow. Due to increase in income tax exemption limit, individuals wi taxable income of up to Rs. 5 lakh will get tax benefits.under The Pradhan Mantri Shram-Yogi Maandhan Yojana, Government desires to provide social security to a large number of marginal wage earners in e country. Due to reduction in GST on Under Construction Housing Projects and Affordable Housing, e Real Estate Sector will see more activity and e allied sectors of steel and cement will also get a boost. The Government s vision to create a tech-enabled tax system is a welcome initiative. In all, is Budget has set e tone for bright future grow and development. Changes in e Banking Sector You may be aware at in February 2019, RBI has changed Monetary Policy Stance from "Calibrated tightening" to "Neutral" considering fall in Inflation and overall Macro Economic Factors. Along wi change in stance, RBI has reduced its benchmark Repo rate by 25 bps to 6.25% at its six bi monly monetary policy review, which has been furer reduced by 25 bps and brought down to 6.00% in April These decisions are in consonance wi e objective of bringing Consumer Price Index (CPI) inflation to below 4 %. A move towards reduction in Repo rate will translate into lower monly installments for retail and institutional borrowers which will result into grow in advances. Government is making efforts for well regulated and sufficiently capitalized banking sector. The financial and economic conditions in e country are better as compared to any oer countries of e world. Credit, market and liquidity risk studies suggest at Indian banks are generally resilient and have wistood e global downturn well. Wi a view to consolidating banking sector, Government has merged Nationalized banks like Dena bank and Vijaya bank into Bank of Baroda, which is a welcome initiative. We expect more mergers of banks in near future. Indian banking industry has recently witnessed e roll out of certain innovative banking 07

12 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. models like payments and small finance banks, which will result into intense competition in banking sector. The financial year has ended on a relatively robust note for banks. In e year , Credit grow has increased from 9.85% to 13.23%, while deposits grow has increased from 6.15% to 9.99% in FY This shows at deposit grow lagged behind credit grow in FY Recapitalization of public sector banks and ongoing improvement in eir financials, and resolution of stressed assets under e insolvency and bankruptcy code will result into improvement in bank credit offtake and it will support investment and increase aggregate demand. I, erefore request all members and customers to help bank in deposit mobilization of our bank so at we can meet Credit Grow. Changes in Urban Co Operative Banking Sector As you know, RBI has issued draft guidelines for Board of Management for UCBs. Accordingly Urban Co-op. Banks (UCBs) will have to form Board of Management (BOM) as per guidelines of RBI. Wiout waiting for final guidelines, we have proposed amendment in our Bye laws and shall implement soon. Furer, RBI has proposed to set up an Umbrella Organisation for UCBs to make em more financially resilient and to enhance e depositors' confidence. Implementation of Umbrella Organization will improve operational and financial heal of UCBs especially smaller ones. Apart from extending liquidity and capital support, Umbrella Organization will also set up information and technology infrastructure to enable e banks to widen services at a relatively lower cost. It may also offer fund management and oer consultancy services. Gujarat will become e first state to have an Umbrella Organization for its UCB sector under e aegis of e State Federation. Wi e increase in e technology adoption and use of digital channels by banks and eir customers for various banking operations, ere is a significant increase in cyber frauds. In e context of is, Reserve Bank of India has issued circular on "Basic Cyber Security Framework for Urban Co-operative Banks (UCBs)" on 19 October 2018 for e implementation of cyber security framework wi basic cyber security framework controls. Wi respect to e same, our bank has already taken various steps to implement ese controls and furer strengening its information and cyber security controls for protection from cyber-attacks. Bank has been issued various advisories rough /SMS and on its website for e benefits of customers. All members are requested to go rough e advisory and act accordingly. Overall e future of Indian economy and e banking industry in particular is promising. We expect all staff members to work hard for bright future of our bank. We are pleased to inform you at our bank is entering into Golden jubilee year in December Wi support of all members, customers and staff members, let us celebrate is occasion wi zeal and enusiasm. The way you all have contributed towards development of our bank for last 49 years, in e same way, we request all of you to extend your support for celebration of Golden jubilee year and help bank to achieve new milestones. Jay Sahakar, Jay Bharat. Navnitbhai C. Patel Chairman 08

13 49 Annual Report {klklkeþ Mk¼kMkË ¼kRyku ylku çknulkku, ykãkýe çkuflkwt çkkuzo ykuv rzhuõxmko íkk Lkk hkus Ãkqhk ÚkÞu k ð»kolkk MkLku Lkk ðkš»kf rnmkkçkku, MxuåÞwxhe ykurzxmkolkku ykurzx rhãkkuxo, çkufu ð»ko ËhBÞkLk fhu e «økrík ylku fk{økehelkku 49{ku ynuðk ykãk Mk{ûk hsq fhelku ykãk MkðuoLku çkuflke ðkš»kf MkkÄkhý Mk¼k{kt ykðfkhíkkt n»ko ylku yklktëlke køkýe ylkw¼ðu Au. ð»ko Ëhr{ÞkLk çkuflkku fw fkhkuçkkh Y> fhkuz : ð»ko Ëhr{ÞkLk ykãkýe çkufu, ÚkkÃký, rähký íku{s LkVkfkhfíkk ûkuºku Mktíkku»kfkhf fk{økehe fhe Au. çkuflkku fw fkhkuçkkh ð»ko Lkk ytíku Y> fhkuzu ÃknkUåÞku Au. çkkuzo ykuv rzhuõxmkolkku ynuðk çkuflkk «økríkmkq[f yktfzk çkuflke 56 þk¾kyku Ãkife 38 þk¾kyku ð»kkoíku Y>.100/- fhkuzlkk fkhkuçkkhlku yktçke økr Au. su Ãkife 18 þk¾kykuyu Y>.200/- fhkuzúke ðäkhu fkhkuçkkh fþkuo Au. 28 þk¾kyku yuðe Au fu su{lke Y>.100/- fhkuzúke ðäw hf{lke ÚkkÃkýku Au ylku 8 þk¾kykuyu Y>.100/- fhkuzúke ðäw hf{lkwt rähký fhu Auu. yk {hkuz þk¾k Y> fhkuzlke ÚkkÃkýku MkkÚku «Úk{ Lktçkhu Au. ßÞkhu yumk.yu{.r. yulz {ez fkuãkkuohux þk¾k Y> fhkuzlkk rähký MkkÚku «Úk{ Lktçkhu Au. yk ík{k{ þk¾kykulkk yräfkheyku ylku f{o[kheykulku çkkuzo ykuv rzhuõxmko yr¼lktëlk ÃkkXðu Au. (Yk. fhkuz{kt) {kãkëtz ð»ko ð»ko ðäkhku/½xkzku (%) þuh furãkx (+) 3.98 % Mk¼kMkË MktÏÞk (+) 3.86 % ylkk{ík ¼tzku (+) % ÚkkÃkýku (+) 6.83 % rähkýku (+) % hkufkýku (økðo.rmkõþw.ylku çkuf ÚkkÃkýku MkkÚku) (-) 6.73 % ðfeoøk furãkx (+) 6.79 % [kuï¾ku LkVku (+) % fw ykðf (+) 3.39 % fw ¾[o (-) 0.20 % uzex/rzãkkuíex hurþþku 60.09% 67.40% (+) % Mke.ykh.yu.ykh % 16.67% (-) 0.36 % økúkumk yulk.ãke.yu (1.81%) (2.94%) (+) % Lkux yulk.ãke.yu. 0.00% 0.00% - þuh furãkx, fw ¼tzku ylku {qze ÃkÞkoóíkk : çkuflke Y>.125 fhkuzlke yräf]ík þuh furãkx Mkk{u ¼hÃkkR ÚkÞu e furãkx ð»kkoíku Y> fhkuz Au su yøkkwlkk ð»ko fhíkkt 3.98% ðäkhu Au ßÞkhu Mk¼kMkËkuLke MktÏÞk Au. çkuflkwt ylkk{ík ¼tzku yøkkwlkk ð»ko fhíkkt 11.00% sux wt ðäelku Y> fhkuzu ÃknkUåÞwt Au ylku çkuflkku {qze ÃkÞkoóíkk økwýku kh (Mke.ykh.yu.ykh) 16.67% ÚkÞku Au. ykãk Mkðuo Mkt{ík Úkþku fu yk økwýku kh rhíðo çkuf îkhk yãkurûkík 9% Lkk økwýku khlke Mkh¾k{ýeyu ½ýku s Mktíkku»ksLkf Au. 09

14 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. yk{, þuh{qze{kt Mkíkík ð]âæä, çkuflkwt Mk{]Ø ylkk{ík ¼tzku ylku íku{kt W khku kh ðäkhku íku{s íktëwhmík {qze ÃkÞkoóíkk økwýku kh, çkuflkk fkþoûk{ ðneðxlke Mkkûke Ãkqhu Au. ÚkkÃkýku : fw ÚkkÃkýku ðäelku Y> fhkuz % Lkku ðäkhku : ð»kkoíku ykãkýe çkuflke ÚkkÃkýku, økík ð»kolke Mkh¾k{ýeyu 6.83% Lkk ðäkhk MkkÚku Y> fhkuzu ÃknkU[e Au.ð»ko Ëhr{ÞkLk, ÚkkÃkýËkhkuLku çkuf{kt ÚkkÃkýku {qfðk «kuímkkrník fhðk {kxu ykãkýe çkufu ÚkkÃkýku ÃkhLkk ÔÞks Ëh{kt ðäkhku fhu Au. yk WÃkhktík çkufu íkk: Lkk hkus, 8% Lkk ykf»kof ÔÞks ËhLke økkuõzlk ßÞwçke e rzãkkuíex ÞkusLkk y{ {kt {qfe níke.yk ÞkusLkkLkk «ríkmkkë MðYÃku òlþwykhe-2019 Úke {k[o Lkk Mk{Þøkk k{kt çkufu fhkuzlke ÚkkÃkýku {u ðe Au.íkËTWÃkhktík çkufu 111 rëðmk {kxu 7.00% Lkk ykf»kof ÔÞksLkk Ëhu fk þkuxo x{o zeãkkuíex ÞkusLkk y{ {kt {qfu níke. çkuflke CASA ÚkkÃkýku, ð»kkoíku Y> fhkuz Au; su fw ÚkkÃkýkuLkk 29.89% sux e Au. ykãk Mkki òýku Aku fu çkuflke LkVkfkhfíkk{kt ð]rø, CASA ÚkkÃkýku Ãkh s ykäkrhík Au. yux u yk ÚkkÃkýku ðäkhðk çkkuzo ylku MxkV Mkíkík «ÞíLkþe Au. ykðe ÚkkÃkýku ðäkhðklkk nuíkwúke çkufu íkk: Úke íkk: MkwÄeLkk Mk{Þøkk k Ëhr{ÞkLk MktÃkfo yr¼þklk ònuh fhu, sulkk «ríkmkkë YÃku çkuf{kt 6600 Úke ðäw çk[ík íkúkk [k w ¾kíkkt ¾qÕÞkt Au su{kt Yk.34 fhkuzúke Ãký ðäw Mkhuhkþ hf{ hnu Au. ð»ko Ëhr{ÞkLk,çkUf{kt Lkðkt çk[ík ¾kíkkt ylku 3541 Lkðkt [k w ¾kíkkt ¾ku ðk{kt ykôþkt Au. çkuf îkhk, r«r{þ{ ylku r«ðe us íkúkk MÃku~Þ «fkhlkkt çk[ík/[k w ¾kíkkyku{kt økúknfkulku MkuðkËh{kt rðþu»k hkník ykãkðk{kt ykðu Au. çkuf {kuçkkr çku føk Mkuðk, RLxhLkux çku føk Mkuðk, rlk:þwõf zurçkx fkzo, fulÿ MkhfkhLke rðrðä ðe{k ÞkusLkkyku íku{s ylþ xuflkku kus MkÃkkuxuoz Mkuðkyku ykãku Au suúke ðäwlku ðäw økúknfku çkuf MkkÚku òuzkr hìkk Au. çkuf uc MíkhLke økúknf MkuðkLku ¾qçk s «käklþ ykãku Au. çkuflkk ík{k{ Mk¼kMkËku ylku þw¼uåafku çkuflkk økúknf ðøko{kt ðäkhku fhðk Mknfkh ykãku íkuðe çkkuzo ykuv rzhuõxmko rðlktíke fhu Au. rhíðo çkuf ykuv RÂLzÞkLke Mkq[Lkk ylkwmkkh, çkuflke ÚkkÃkýku Ãkh rzãkkuíex RLMÞkuhLMk yulz urzx økuhtxe fkuãkkuohuþlklku (DICGC) [qfððkãkkºk Úkíkwt r«r{þ{, çkuf îkhk rlkþr{ík heíku [qfððk{kt ykðu Au. rähkýku : fw rähký Y> fhkuz %Lkku ðäkhku : ð»kkoíku ykãkýe çkuflkwt fw rähký,økík ð»kolke Mkh¾k{ýeyu 19.81% Lkk ðäkhk MkkÚku Yk fhkuzu ÃknkUåÞwt Au. yu.mke.rçkõmk rzmfkwlxªøk «fkhlkk rähký{kt hnu rhmf Vuõxh íkúkk ykuak ð íkhlku æþklk{kt hk¾elku yk xqtfk økk k «fkhlkk rähkýlke søþkyu,huøþw h «fkhlkk rähkýlku yrøkú{íkk ykãkðk{kt ykðu Au. {wïþíðu fuþ urzx, x{o kulk, {þelkhe kulk, Ãku føk urzx íku{s hexu rähký{kt yußþwfuþlk kulk,nku{ kulk íkúkk Ônef kulk suðk rähkýku{kt W khku kh ðäkhku òuðk { u Au. íkæwãkhktík çkufu rähký ðäkhðklkk nuíkwúke íkk: Lkk hkus kulk MktÃkfo yr¼þklk þy fhu sulkk «ríkmkkë YÃku 800 Úke Ãký ðäkhu rähkýlkk ¾kíkkt ¾qÕÞkt Au. sulkk eäu rähkýku{kt Yk.350/- fhkuzúke ðäwlkku LkkUÄÃkkºk ðäkhku ÚkÞku Au. çkuflkku urzx zeãkkuíex økwýku kh 67.40% sux ku ÚkÞku Au,su yøkkwlkk ð»kuo 60.09% sux ku níkku. yk Mke.ze. hurþþku ¾qçk s Mktíkku»ksLkf fne þfkþ. ykãkýe çkuf îkhk rhxu rähký ûkuºku nkwmkªøk, þiûkrýf ylku fkh kulk {kxu ¾qçk s MÃkÄkoí{f Ëhu rähký ykãkðk{kt ykðu Au. ykãkýk f{o[kheyku, økúknfku ylku çkkuzolkk «ÞkMkkuÚke, çkuflkk rähký{kt Mkkhku yuðku ðäkhku ÚkðkLke yãkuûkk Au. çkuf îkhk Úkíkk ík{k{ «fkhlkk rähkýku{kt ¾qçk s MÃkÄkoí{f ÔÞks Ëhku hk¾ðk{kt ykôþk Au sulkku k¼ ½ýk çkäk økúknfkulku { u Au. ykãkýk Ëuþ{kt MSME ûkuºk ykšúkf rðfkmk{kt ylku hkusøkkhe MksoLk{kt ½ýwt s ÞkuøkËkLk ykãku Au. yux u MSME ûkuºku rähký{kt ð]âæä Úkíke hnu íku {kxu yk ûkuºklkk WãkuøkfkhkuLke ¾kMk r{xªøkku Þkusðk{kt ykðu Au. íkëtwãkhktík Agro Based WãkuøkfkhkuLku ¾kMk Ëhu rähký ykãkðk{kt ykðu Au. çkuf îkhk nkwmkªøk rähký Ãký ¾qçk s MÃkÄkoí{f Ëhu yãkkþ Au. yk rmkðkþ ík{k{ «fkhlkkt rhxu rähký Ãký çku føk Wãkuøkûkuºku «ðíko{klk ÔÞksËhkuLke íkw Lkk{kt ¾qçk s ykf»kof ÔÞks Ëhu yãkkþ Au. AuÕ kt fux ktf ð»kkuoúke Ëk¾ fhkþu e urzx hu xøk «Úkk ytíkøkoík, ô[w hu xøk Ähkðíkk økúknfkulku ÔÞksËh{kt rðþu»k 10

15 49 Annual Report hkník ykãkðk{kt ykðu Au. yk ÞkusLkk{kt fux kf MkwÄkhk fhe íkulku ðäw økúknfkuãkþkuøke çklkkððk{kt ykðe hne Au. ðäw{kt ykãkýe çkuf îkhk RMÞq fhðk{kt ykðíke çkuf økuhtxe, økwshkík økðo{ulxlkk ík{k{ rð¼køkku, çkkuzo, fkuãkkuohuþlk, MkkuMkkÞxe íku{s Ãkç ef Mkuõxh ylzh xufªøk AuÕ kt ½ýkt ð»kkuoúke {klþ hk¾u Au. yk ylkwmktäklk{kt økwshkík MkhfkhLkk Lkkýkt rð¼køk îkhk Xhkð RMÞq fhðk{kt ykðu Au. su{kt ykãkýe çkuflkwt Lkk{ Mkk{u ÚkÞu Au. rähkýlke fk{økehe fhíkk þk¾kykulkk f{o[kheyku, {wïþ f[uhelkk yräfkheyku, {kfuoxªøk rð¼køklkk yräfkhe íkúkk çkkuzo ykuv rzhuõxmkolkkt MkÇÞku, rähký yhsykulkk {qõþktflk{kt r[ðxãkqðof fk{økehe fhu Au. yk{ çkuf îkhk rähký ð]âæä {kxu íku{s ykðkt rähký NPA Lk ÚkkÞ íku {kxu Mk½Lk «ÞkMkku [k w s hnuþu. çkuflkwt çkkuzo ykuv rzhuõxmko yk fk{økehe fhíkk MkðuoLku yr¼lktëlk ÃkkXðu Au. «kþkuhexe MkuõxhLkwt rähký : rhíðo çkuf ykuv RÂLzÞkLke Mkq[Lkk «{kýu, çkufkuyu íku{lke yuzsmxuz Lkux çkuf urzxlkk 40% sux wt rähký «kþkurhxe Mkuõxh{kt ylku íku Ãkife 10% rähký Lkçk k ðøkkuolku fhðklkwt nkuþ Au. íkët ylkwmkkh, ð»ko Lku ytíku ykãkýe çkuflkwt «kþkurhxe Mkuõxh{kt rähký 57.32% sux wt níkwt, su yøkkwlkk ð»kuo 43.77% níkwt. ð»kkoíku Lkçk k ðøkkuolku ÚkÞu wt rähký 8.39% Au, su yøkkwlkk ð»kuo 6.31% níkwt. çkuf yk ûkuºkku{kt rähký ðäkhðk Mk½Lk «ÞkMkku fhu Au. Lkçk k ðøkkuolku rähký ðäkhðk {kxu çkuf îkhk ºký {kr ku uzex MkuLxh W¼kt fhðk{kt ykôþkt Au. (1) çkkãkwlkøkh MkuLxh su {ubfku, Lkðk rlkfku, Lkhkuzk (2) ¾ku¾hk MkuLxh su EMkLkÃkwh, {ýelkøkh, ðxðk (3) WÄLkk WãkuøkLkøkh-Mkwhík MkuLxh su MkwhíkLke ík{k{ 7 þk¾kykulku syhe Mkuðk Ãkqhe Ãkkzu Au. íkæwãkhktík, ykãkýe çkufu Lkçk k ðøkolkk kufkulku ½h yktøkýu çku føk Mkuðkyku Ãkqhe Ãkkzðk {kuçkke ðklk þy fhe Au. yk {kuçkke ðklk y{ëkðkë{kt swëk-swëk rðmíkkh suðk fu, çknuhk{ãkwhk, {swhøkk{, Ëkýe e{zk, Lkefku økk{, ÃkrhûkeíkLkøkh, çkkãkwlkøkh ðøkuhu{kt çku føk Mkwrðãk Ãkqhe Ãkkzu Au. MSME ûkuºklkwt rähký : ykãkýk Ëuþ{kt MSME ûkuºklke hkusøkkhe ðäkhðklke ûk{íkklku æþklk{kt R, yk ûkuºklkk rðfkmk {kxu rähký ð]âæälku Mkhfkh ylku rhíðo çkuf îkhk yrøkú{íkk ykãkðk{kt ykðu Au. ykãkýe çkuf Ãký yk ûkuºk{kt ðäwlku ðäw rähký ÚkkÞ íku {kxu þõþ çkäk s ík{k{ «ÞkMk fhu Au. çkuf îkhk yk ûkuºk{kt rähký ð]âæä {kxu ykiãkurøkf rðmíkkhku{kt ykðu e 14 þk¾kykulku ÃkMktË fhðk{kt ykðe Au. ð»kkoíku çkuflkwt yk ûkuºk{kt rähký øk¼øk Y>.1473/- fhkuz WÃkhktík ÃknkuåÞwt Au. yk ûkuºk{kt rähký ð]âæä ÚkkÞ íku {kxu Mk½Lk «ÞíLkku fhðk{kt ykðu Au ylku þk¾kyku{kt fmx{h {exlkwt ykþkuslk fhðk{kt ykðu Au ylku yk{ktúke su Mkq[Lkku { u íkulkku yçþkmk fhðk{kt ykðu Au ylku íþkhçkkë ÞkuøÞ y{ fhðk{kt ykðu Au. {kr ku urzx-{rn k MkþÂõíkfhý : ¼khík MkhfkhLke hk»xùeþ Lkerík ylku rhíðo çkuf ykuv RÂLzÞkLkk {køkoëþolk «{kýu ykãkýe çkuf {kr ku urzxlku W kuslk ykãke hne Au. çkuflkk ylþ rähkýkulke su{ {kr ku urzxlkk rähkýlku ðuøk ykãkðk íkúkk íkulkk ÃkæÄríkMkh ykþkuslk ylku MkwÃkhrðÍLk {kxu çkuf{kt y øk zeðeílk W¼wt fhðk{kt ykôþwt Au. {kr ku urzxlkk {wïþ k¼kúkeoyku {rn kyku Au. su ykðk rähkýlke MknkÞÚke hkusøkkhe {u ðe íku{lkk ÃkrhðkhLku MknkÞYÃk çklku Au. ykðk rähkýúke {rn kykulke ykšúkf ÂMÚkrík {sçkqík çklke hne Au. ylku íku{lkk{kt çku føk ÔÞðnkhkuLke Mk{s Ãký ykððk køke Au. çkuflkk yk «ÞkMkkuÚke {rn k MkþÂõíkfhý «ð]r klku ðuøk { e hìkku Au. çkufu ð»ko Ëhr{ÞkLk 1491 {rn kykulku Y>.3.57 fhkuzlkwt rähký fþwo Au ylku ð»ko 2012 Úke yks MkwÄe{kt çkufu WÃkhktík k¼kúkeoykulku Y> fhkuz WÃkhktíkLkwt rähký fþwo Au. yk fk{fks{kt hkufkþu k çkuflkk yräfkheyku ylku f{o[kheykulku çkkuzo yr¼lktëlk ykãku Au. LkkuLk ÃkhVku{eOøk yumkuxtmk (NPA) : økúkumk yulk.ãke.yu. 2.94% Lkux yulk.ãke.yu. 0.00% : Mk{økú ¼khíkLkku çku føk Wãkuøk, ðäíke síke LkkuLk ÃkhVku{eOøk yumkuxtmklke Mk{MÞkLkku íkeðú Mkk{Lkku fhe hìkku Au. ð»ko Lkk ytíku ykãkýe çkuflke økúkumk NPA Y> fhkuz hne Au. su fw rähkýlkk 2.94% Au. NPA Lke yk hf{{kt ykãkýe çkuf{kt {so ÚkÞu e çkufkulke NPA Lkku Ãký Mk{kðuþ ÚkkÞ Au. çkutf îkhk NPA ÚkÞu kt ¾kíkkyku{kt Y> fhkuzlke hefðhe ð»ko ËhBÞkLk fhðk{kt ykðe Au. çkuflkkt MxkLzzo rähký íku{s yulk.ãke.yu. rähký Mkk{u, rhíðo çkuflkk rlkþ{klkwmkkh, Y> fhkuzlke òuøkðkr fhðklke syh Au. sulke Mkk{u ykãkýe çkuf îkhk Y> fhkuzlke 11

16 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. 12 òuøkðkr fhðk{kt ykðu e nkuðkúke, çkuflke Lkux yulk.ãke.yu. yøkkwlkk ½ýkt ð»kkuolke su{ þqlþ xfkyu s ðkr hne Au. çkuf{kt yulk.ãke.yu. ÚkÞu ¾kíkkyku ÃkifeLkk fw 208 ¾kíkkyku{kt, ð»ko Ëhr{ÞkLk ðmkq kíklke Mk{økú «r Þk Ãkqhe fþko çkkë, {wæ, Lknª WÄkhu ÔÞks, ËtzLkeÞ ÔÞks íkúkk ylþ ¾[koyku{kt hkník ykãke, yk ík{k{ ¾kíkkyku {ktze ðk ðklkwt íkúkk fw 34 ¾kíkkyku [kso ykuv fhðklkwt çkuflkk çkkuzo ykuv rzhuõxmkuo XhkÔÞwt Au. yk ¾kíkkyku Ãkife 36 ¾kíkkyku{kt, {ktze ðk ðklke hf{{kt Y> k¾lke {wæ hf{lkku Ãký Mk{kðuþ ÚkkÞ Au. çkkuzo ykuv rzhuõxmkolku { u e Mk kklke Yyu, çkkuzuo yk rlkýoþ fþkuo Au, sulku çknk e ykãkðk çkkuzo yk Mk¼kLku rðlktíke fhu Au. ð»ko Ëhr{ÞkLk Ãký ykðkt ¾kíkkykuLku {ktzðk fhðk çkkuzo ykuv rzhuõxmkolku Mk kk ykãkðk çkkuzo ykuv rzhuõxmko yk Mk¼kLku ¼ k{ý fhu Au sulku {tsqhe ykãkðk rðlktíke Au. hkrx ykuv fhu kt ¾kíkkyku{kt rhfðhe ytøku : çkuf{kt yulk.ãke.yu. ÚkÞu k fux kf ¾kíkkyku{kt ðmkq kíklke rçk fw þõþíkk Lk køkíkkt, ¼qíkfk {kt Ëh ð»kuo Úkkuzkf ¾kíkkt, ðkš»kf MkkÄkhý Mk¼kLke {tsqheúke «wzulþeþ e hkrx ykuv fhðk{kt ykðíkk níkkt. yk heíku hkrx ykuv fhu k ík{k{ ¾kíkkykuLku, MkkÄkhý Mk¼kLke {tsqhe RLku, ð»ko Lkk ytíku ¾hu¾h hkrx ykuv fhe Ëuðk{kt ykôþkt níkk. Ãkhtíkw ykðk ¾kíkkyku{kt ðmkq kíklke «r Þk [k w hk¾ðk{kt ykðe Au. sulku Ãkrhýk{u ð»ko Ëhr{ÞkLk Y>.1.36 fhkuzlke LkkUÄÃkkºk ðmkq kík fhðk{kt ykðe Au. çkuflkk rhfðhe rð¼køklke fk{økehelku çkkuzo ÄLÞðkË ykãku Au. çkuflkk rzhuõxmkolku rähký : ykãkýe çkuf{kt fkur Ãký rzhuõxhlku fu rhíðo çkuf ykuv RÂLzÞk îkhk ÔÞkÏÞkrÞík íku{lkkt Mkøkkt MktçktÄeLku, íku{ýu Ãkkuíku ykãkýe çkuf{kt {qfu çkktäe{wëíklke ÚkkÃkýku Ãkh yãkkíkk rähký rmkðkþ ylþ fkur Ãký «fkhlkwt rähký ykãkðk{kt ykðíkwt LkÚke ylku íku heíku çkuf îkhk rhíðo çkuf ykuv RÂLzÞkLkk ykëuþlkwt [wmíkãkýu Ãkk Lk fhðk{kt ykðu Au. hkufkýku : Y> fhkuz ð»ko Lkk ytíku ykãkýe çkuflkkt fw hkufký Y> fhkuz níkkt, su ð»ko Lkk ytíku ½xeLku Y> fhkuz ÚkÞkt Au. yk ½xkzku çkuflkk fw rähký{kt ÚkÞu k ðäkhklku fkhýu ÚkÞku Au. yk hkufkýku{kt SLR fuxuøkhelkkt Y> fhkuzlkkt, Non SLR fuxuøkhelkkt Y> fhkuzlkkt íkúkk ylþ çkufku{kt {qfu e Y> fhkuzlke ÚkkÃkýku íkúkk rhðmko huãkku ulzªøk Y> fhkuzlkkt hkufkýkulkku Mk{kðuþ ÚkkÞ Au. çkuflkwt RLðuMx{uLx zu«emkeyuþlk rhíðo Y> fhkuz Au íkúkk RLðuMx{uLx ^ õåþwyuþlk rhíðo (IFR) Y> fhkuz Au; su fw hkufkýku Mkk{uLkk Mkt¼rðík òu¾{kulkku Mkk{Lkku fhðk Ãkqhíkkt Au. çkuflkkt ík{k{ hkufký ¾qçk s Mk k{ík hnu íku {kxu çkuf îkhk sáhe fk S uðk{kt ykðu Au. yk ð»kuo økðo{ulx MkeõÞwhexeLkk ¾heË-ðu[ký îkhk çkufu Y>.5.14 fhkuzlkku LkVku fhu Au. òu¾{ «çktälk :- (hemf {ulkus{ulx) ðíko{klk Mk{Þ{kt, çku føk fk{fks «ýkr fkyku{kt ¾qçk s ÍzÃkÚke ÃkrhðíkoLk ÚkR hìkwt Au. rhíðo çkuf ykuv RÂLzÞk îkhk Ãký çkufkulku íku{lke hkusçkhkuslke fk{økehe{kt ½ýe s MðkÞ kíkk ykãkðk{kt ykðe Au yux u çkufku{kt òu¾{ «çktälklke syrhþkík ðäe økr Au. çkufkulku {wïþíðu Ãkrh[k Lk òu¾{ (ykuãkhuþlk hemf), rähkýlkwt òu¾{ ( uzex hemf) íku{s çkòhlkk òu¾{ ({kfuox hemf) Lkku Mkk{Lkku fhðku Ãkzu Au. yk çkäkt s òu¾{kulkku Mkk{Lkku fhðk ykãkýe çkuf îkhk ík{k{ syhe ÔÞðMÚkk fhðk{kt ykðe Au. çkòhlkk òu¾{lkku yçþkmk fhe Mk{ÞMkh rlkýoþ uðk, çkuf{kt RLðuMx{uLx fr{rxlke h[lkk fhkr Au, su Mk{Þktíkhu { e ÞkuøÞ rlkýoþku u Au. rähký ytøkulkk òu¾{kulku rlkþtrºkík fhðk ykurzx, RLMÃkuõþLk, rähkýlke {tsqhe ytøku rðfulÿeík Mk kk, yuõmkãkkuíh rmk ªøkLkwt rlkäkohý ylku {kurlkxhªøk/rlmãkuõþlk, urzx hu xøk suðe ÔÞðMÚkk y{ {kt Au. ykãkýe çkuf VkuhuLk yuõmk[ulslkwt fk{fks fhðk yu.ze. fuxuøkhe-1 «fkhlkwt kþmklmk Ähkðíke nkuðkúke, flxùe rhmflkku Ãký Mkk{Lkku fhðku Ãkzu Au. yk ytøku çkkuzuo flxùe hemf ylku «kr{ / LkkuLk «kr{ çkuf ËeX yuõmãkkuíh e{exmkt Lk e fhu Au. sulkku Mk{Þktíkhu heôþw fhðk{kt ykðu Au. çku føk ûkuºku xuflkku kus ylku zesx [ulk kulkk ðäíkk síkk ðãkhkþlku fkhýu Cyber Frauds ðæþk Au. yk Mkt˼o{kt Cyber Mkwhûkk ðäkhðklkk nuíkwúke RBI îkhk Cyber Mkwhûkk rlkþtºký {k ¾k ytøkulkku ÃkrhÃkºk çknkh Ãkkzu Au. ykãkýe çkufu yk rlkþtºkýkulku y{ {kt {qfðk íkúkk MkkÞçkh nw{ kúke çk[ðk {kxu Ãkøk kt uðklkkt [k w fhe ËeÄktt Au. yk ytøku ykãkýe çkuf /SMS îkhk økúknfkulku Mkíkík {krníke íkúkk {køkoëþolk ÃkwÁ Ãkkzu Au. çkuf{kt r õðezexelkwt òu¾{ W¼wt Lk ÚkkÞ yu {kxu yumkux kþurçk exe fr{rx Mk{Þktíkhu { u Au íkúkk rhíðo çkuflku yk ytøkulkkt Ãkºkfku Mk{ÞMkh {kuf kþ íkulkwt æþklk hk¾ðk{kt ykðu Au.

17 49 Annual Report yumkyu ykh/mkeykhykhlke ò ðýe{kt rðûkuãk Lk Ãkzu yulke r[ðx hk¾ðk{kt ykðu Au. çkuf îkhk yumkyu ykh / MkeykhykhLke ò ðýe{kt õþkhuþ Ãký [qf fhðk{kt ykðe LkÚke. yk rð¼køklkk yräfkheykulku çkkuzo yr¼lktëlk ykãku Au. yk{ ykãkýe çkuf{kt, òu¾{ «çktälk fk{økehelke yøkíþíkk Mk{S, íku ytøku nt{uþ {wsçk Ãkqhíke ÔÞðMÚkk økkuxððk{kt ykðe Au. LkVkLke Vk ðýe ylku rzrðzlz : fw ykðf Y> fhkuz [kuï¾ku LkVku Y> fhkuz rzrðzlz : 15% (Mkqr[ík) y{lku sýkðíkkt yklktë ÚkkÞ Au fu ð»ko Lkk ytíku çkuflke fw ykðf Y> fhkuz níke, su Lkk ytíku ðäelku Y> fhkuzu ÃknkU[e Au. yk ykðf{ktúke fw ¾[o, òuøkðkryku ylku ykðfðuhklke hf{ çkkë fhíkkt, [kuï¾ku LkVku Y> fhkuzu ÃknkUåÞku Au, su økík ð»kuo Y> fhkuz níkku. çkuflkk fkþoûk{ ðneðxlku fkhýu çkuflkku LkVku W khku kh ðäe hìkku Au, sulkkúke çkuflkkt ylkk{ík ¼tzku {kt ðäkhku ÚkR hìkku Au ylku yu heíku çkuflke MkæÄhíkk{kt Ãký ðäkhku ÚkR hìkku Au. çkuflkk ÃkuxkfkÞËkykuLke òuøkðkryku «{kýu çkuflkwt çkkuzo yk LkVkLke Vk ðýe fhðk Lke[u «{kýu ¼ k{ý fhu Au, sulku {tsqh hk¾ðk yk Mk¼kLku çkkuzo rðlktíke fhu Au. y.lkt. rðøkík hf{ Y>. 1. rhíðo Vtz (25%) 30,68,04, rþûký Vk ku 1,22,72, ylkvkuhmkelk kumkemk Vtz 12,27,21, rzrðzlz (15%) 13,04,33, {fklk Vtz 15,70,83, Ä{koËk Vtz 1,57,08, ßÞwçke e Vtz 3,92,70, {ubçkh/fmx{h ELMkuLxeð Vtz 3,92,70, RLðuMx{uLx ^ õ[wyuþlk Vtz 5,13,75, rhíðo Vtz 35,22,76, [kuï¾ku LkVku : 1,22,72,16, çkutflkk çkkuzo ykuv rzhuõxmkuo ð»ko {kxu 15% rzrðzlz [qfððklke ¼ k{ý fhe Au, sulku {tsqhe ykãkðk yk Mk¼kLku rðlktíke Au. çkuf îkhk Ëh ð»kuo, ð»kolke þyykík{kt s ykøk Lkk ð»kuo yãkkþu kt ûþktfkulke Mkh¾k{ýeyu rmkæä fhu kt ûþktfkulke Mk{eûkk fhðk íkúkk [k w ð»ko {kxulkkt Lkðkt ûþktfku ykãkðk MktçktrÄík f{o[kheyku MkkÚku [[ko fhðk{kt ykðu Au. ð»kolke þyykík{kt s yk fk{økehe Úkíke nkuðkúke f{o[kheykulku ykþkuslk fhðk{kt Mkh íkk hnu Au. MkkÚku MkkÚku, su þk¾kykuyu ûþktfkulke «kró MktçktÄe Mkkhe fk{økehe fhe nkuþ íku{lku rçkhëkððk{kt Ãký ykðu Au ð»ko Ëhr{ÞkLk çkufu {kuxk¼køklkk ík{k{ ûþktf Mkkhe heíku rmkø fþko Au, sulkku Þþ çkuflkk Mkðuo f{o[kheyku, çkkuzo ykuv rzhuõxmkolkk MkÇÞku, þk¾k rðfkmk Mkr{ríkykuLkk r Þkþe MkÇÞku, økúknfku ylku þw¼uåafkulku òþ Au. ð»ko {kxu rlkäkorhík ûþktfkulke Mkk{u ÚkÞu e fk{økehe íkúkk ð»ko Lkk çksuxlke {krníke Mk¼kMkËkuLke òý MkkY hsq fheyu Aeyu sulku {tsqh fhðk yk Mk¼kLku rðlktíke Au. 13

18 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. ûþktfkulke Mk{eûkk íkúkk ð»ko Lkwt çksux ( ûþktf) (Yk. fhkuz{kt) y.lkt. rðøkík ð»ko ð»ko Lkk ð»ko Lkwt Lkwt çksux ( ûþktf) ûþktf Mkk{u rmkâæä çksux ( ûþktf) 1. þuh {qze ylkk{ík íkúkk ylþ ¼tzku ÚkkÃkýku su{ktúke [k w/çk[ík ¾kíkkLke ÚkkÃkýku hkufkýku-ylþ çkufku{kt {qfu e ÚkkÃkýku Mkrník 5. rähký fkþofkhe {qze fw ykðf fw ¾[o fkþofkhe LkVku [kuï¾ku LkVku yulk.ãke.yu. rhfðhe fkuãkkuohux f{ fku-ykuãkhuxeð økðlkolmk :- çkuflke MÚkkÃkLkkÚke çkuflkk ðneðx{kt MknfkrhíkkLkkt {q ¼qík {qõþkulkk síklklku yøkúíkk ykãkðk{kt ykðu Au. ykãkýe çkuf ðneðx{kt fkuãkkuohux økðolklmklku «käklþ íkku ykãku s Au, MkkÚku MkkÚku fku. ykuãkhuxeð {qõþkulku Ãký yux wt s {níð ykãku Au ylku Lkçk e fu {ktëe fku.ykuãkhuxeð çkufkulkwt rð elkefhý fhelku íkulkk Mk¼kMkËku ylku økúknfkulku hûký ykãku Au. MkLku 1991 Úke MkLku 2017 MkwÄe{kt Mkkík fku-ykuãk. çkufkulkwt ykãkýe çkuf MkkÚku rð elkefhý ÚkÞu Au. çkuflkwt çkkuzo ykuv rzhuõxmko, Mk{ks ylku þuh nkuõzmko «íþulke sðkçkëkhe Mk{SLku, rlkýoþku{kt ÃkkhËŠþíkk ò ðelku, íku{s rhíðo çkuf îkhk yãkkþu k Mkq[LkkuLkwt uc heíku Ãkk Lk fhelku, çkuflke «økrík {kxu s fkþo fhu Au. {Lku sýkðíkkt yklktë ÚkkÞ Au fu íkk: Úke rmkâæä fku-ykuãk çkuf r.y{ëkðkëlkwt ykãkýe çkuf{kt rð elkefhý ÚkÞu Au. yk{ ykãkýe çkuf 56 çkúkl[{ktúke 59 çkúkl[lkwt Lkuxðfo Ähkðíke ÚkR Au. rhíðo çkuflke Mkq[Lkk ylkwmkkh çkuflkk çkkuzo{kt çku «kuvuþlk rzhuõxmko Ãký ÃkkuíkkLke Mkuðkyku ykãku Au. çkkuzo ykuv rzhuõxmkolke r{ xøkku øk¼øk Ëh {rnlku çku ð¾ík { u Au; su{kt {kuxk ¼køkLkk MkÇÞku nksh hnu Au ylku h[lkkí{f Mkq[Lkku ykãku Au. çkkuzo îkhk h[kþu e rðrðä fr{rxlke {exªøkku Ãký syrhþkík «{kýu { u Au, ylku çkuf çkkuzo ykuv rzhuõxmkolku {køkoëþolk ÃkwÁ Ãkkzu Au. çkuflkk çkkuzo{kt syh sýkþ íþkhu yk{trºkíkkulke MkuðkLkku k¼ rlkþ{klkwmkkh uðkþ Au. yktíkhhk»xùeþ çku føk rð¼køk : ykãkýe çkuf ykuúkkuhkrítz rz h fuxuøkhe-1 Lkwt fkþ{e kþmklmk Ähkðíke økwshkíklke «Úk{ Mknfkhe çkuf Au. çkufu yktíkhhk»xùeþ fkhkuçkkh{kt ð»ko Ëhr{ÞkLk Y>.13,375/- fhkuzlkwt xlko ykuðh fþwo Au. çkuf îkhk yktíkhhk»xùeþ fkhkuçkkh MktçktÄe ík{k{ fk{økehe fhðk{kt ykðu Au. ykãkýe çkuf îkhk uðkíkk MkuðkfeÞ [ksomk ¾qçk s {kvfmkhlkk Au. çkuf y{urhflk zku h WÃkhktík økúux rçkúxlk ÃkkWLz, Þwhku, fulkuzeþlk zku h íku{s òãkklkeí ÞuLk yu{ {wïþíðu Ãkkt[ fhlmke{kt fk{ fhu Au. yktíkhhk»xùeþ çku føk rð¼køk îkhk yuõmkãkkuxmko ylku RBÃkkuxMkoLku økíke çkäe s Mkuðkyku ykãkðk{kt ykðu Au. yuõmkãkkuxmko {kxu yuõmkãkkuxo Ãkufªøk uzex, VkuhuLk çke f uõþlk, VkuhuLk çke 14

19 49 Annual Report Ãkh[uÍ/zeMfkWLxªøk/LkuøkkuMkeyuþLk RíÞkËe Mkuðkyku ¾qçk s ykf»kof ÔÞks Ëhu ykãkðk{kt ykðu Au. RBÃkkuxMko {kxu VkuhuLk uxh ykuv uzex (FLC), çkkþmkoo uzex/mkã kþmko uzex, VkuhuLk çkuf økuhtxe, Vkuhðzo fkulxùkõx ðøkuhu MkwrðÄkyku WÃk çä Au. çkuflkwt VkuhuõMk rzãkkxo{ulx ykäwrlkf hkrxmko/xefmko/ccil suðe Mkuðkyku ðkãkhu Au ylku rz ªøkY{ Ãký y{ëkðkë þnuh{kt WÃk çä Au. çkuf zkþhuõx SWIFT System Úke RLxhLkuþLk Ãku{uLxMk Ãkwhk Ãkkzu Au ylku RLxhLkuþLk çkuf rzhuõxhe{kt Ãký ykãkýe çkuflkk Lkk{Lkku Mk{kðuþ fhðk{kt ykðu Au. ykãkýe çkuf îkhk SWIFT System Lke fk{økehe ¾qçk s fkþoûk{ heíku fhðk{kt ykðu Au su yr¼lktëlkeþ Au. yktíkhhk»xùeþ ÔÞkÃkkh fhíkk Wãkuøkfkhku ylku xùuzmkolku çkuflke yk rzãkkxo{ulxlke W k{ MkuðkLkku k¼ uðk rðlktíke Au. fhlmke [umx : rhíðo çkuf ykuv RÂLzÞk îkhk ykãkýe çkuflku ð»ko 2017 Úke fhlmke [umx ¾ku ðk {kxu { u e {tsqhe ytíkøkoík ykãkýe çkuf{kt fhlmke [umx fkþohík ÚkÞu Au. fhlmke [umx þy ÚkðkÚke çkuflku ylku økúknfkulku fuþ {ulkus{ulx{kt MkwrðÄk WÃk çä ÚkR Au. íkëtwãkhktík, çkuflke [umx Ëþ LkkLke fku-ykuãk çkufkulku íku{s M{ku VkÞLkkLMk çkufkulku fuþ {ulkus{ulxlke MkwrðÄk Ãkqhe Ãkkzu Au. Ãkuhk çku føk Mkuðkyku : çku føk ûkuºk{kt ðíko{klk Mk{Þ íkeðú nrhvkrlkku Au, yux u çkufkuyu LkVkLkwt ÔÞksçke Míkh ò ðe hk¾ðk, fkuh çku føk «ð]r kyku{ktúke { íke ykðf WÃkhktík ylþ çku føk Mkuðkyku{ktÚke Ãký Mkkhe yuðe ykðf {u ððe ¾qçk s syhe Au. yk ykðf yux e nkuðe òuryu fu íku{ktúke çkuflkku ðneðxe ¾[o Lkef u. ykãkýe çkuf nsw yk Míkhu ÃknkU[e þfe LkÚke. íku{ Aíkkt, ykãkýu ½ýe çkäe Mkuðkyku rfvkþíke Ëhu ykãkeyu Aeyu. ykðe fux ef MkuðkykuLkku ykãk Mkðuo k¼ ku yuðku y{khe rðlktíke Au. RLxhLkux çku føk : ykãkýe çkuf fkuãkkuohux ylku hexur RLxhLkux çku føk MkwrðÄk rðlkk {qõþ ykãku Au. ykãkýe çkuflke RLxhLkux çku føk MkwrðÄk MkeõÞkuzo yulkðkþh{ulx ylku ykr.xe MkeõÞwhexe ykurzx nux ykuçkíðo fhðk{kt ykðu Au. RLxhLkux çku føk îkhk økúknfku RLxhLk / yuõmkxhlk Vtz xùklmkvh, Mxux{uLx ÔÞw / «elxªøk, MxuxMk ykuv [uf, Lkðe [uf çkwf heõðumx, VeõMk rzãkkuíex r yuþlk, çke Ãku{uLx ðøkuhu MkwrðÄkykuLku ÃkkuíkkLkk MÚk u s uãkxkuãk yúkðk {kuçkkr Úke WÃkÞkuøk fhe þfu Au. çkuflkk økúknfku yk MkuðkLkku {n k{ k¼ u íku RåALkeÞ Au. yk ð»kolkk ytík MkwÄe{kt 5369 fkuãkkuohux økúknfku ylku 7292 hexur økúknfku yk MkuðkLkku k¼ R hìkk Au. RLxhLkux çku føklkku ÔÞkÃk ðäkhðk yk MkwrðÄk îkhk RTGS íkúkk NEFT Vtz xùklmkvh fhðk{kt ykðu íkku fkur Ãký òíklkk [ksomk uðk{kt ykðíkk LkÚke; íkuúke yk MkuðkLkku k¼ økúknfku ðäw u yuðe rðlktíke Au. {kuçkkr çku føk : ð»ko ËhBÞkLk çkuf îkhk {kuçkkr çku føk yuã efuþlk yãkøkúuz fhðk{kt ykðe Au. yk {kuçkkr çkurføk Mkuðk nux Vtz xùklmkvh, {elkemxux{ulx, çku ulmk ÃkqAÃkhA, [ufçkwf RLzuLx, [uflkwt MxuxMk, çkeõmk Ãku{uLx, RTGS, NEFT, IMPS, ASBA suðe ½ýe MkwrðÄkyku WÃk çä Au. sulkku çkuflkk ðäwlku ðäw økúknfku k¼ u yuðe y{khe rðlktíke Au. zurçkx fkzo : çkuflkk YÃku zurçkx fkzolke {ËËÚke ½ýe çkäe MkwrðÄkyku { u Au su{ fu fkur Ãký {ku yúkðk ËwfkLk{kt ÃkkuMk {þelk MðkRÃk fhe ¾heËe fhe þfkþ Au ylku ykulk krlk þkuãkªøk Ãký fhe þfkþ Au. íkëtwãkhktík huõðu rxrfx çkw føk/nkux çkw føk Ãký fhe þfkþ Au; íku{s Þwxe exe çke Ãku{uLx, ðe{klkk r«{eþ{lke [qfðýe ðøkuhu fk{økehe Ãký fhe þfkþ Au. yk fkzolkku ðäwlku ðäw WÃkÞkuøk ykãk Mkðuo fhku yuðe y{khe rðlktíke Au. yk WÃkhktík çku ð»koúke çkuf îkhk YÃku à uxelk{ zuçkex fkzolke Mkuðk þy fhðk{kt ykðu Au. yk fkzo ÄkhfLku Y>. 2 k¾lkku yfm{kík ðe{ku Ãký { u Au. íkúkk Ëh {rnlku Þwxe exe çke Ãku{uLxLke hf{lkk 5% yúkðk Yk.50/- (çku {ktúke su ykuae nkuþ íku hf{) Lke fuþçkuf ykãkðk{kt ykðu Au. yu.xe.yu{. fulÿku : ykãkýe çkuflkkt 58 ATM fulÿku fkþohík Au su{kt Ãkkt[ ykuv MkkRx ATM Ãký Au. ykãkýkt yuxeyu{ 24 f kf Mkwhûkk økkzo íkúkk ðkíkklkwfwr ík, MkkÞhLkLke MkwrðÄkÚke MkssT íku{s Mke.Mke.xe.ðe. fu{uhklke MkøkðzÚke Mkwhrûkík Au. ykãkýk ík{k{ ATM {kt nt{uþk økwýð kkþwõík Lkkuxku WÃk çä nkuþ Au. ylþ çkuflkk yu.xe.yu{. fkzo Ähkðíkk økúknfku ykãkýe çkuflkk yu.xe.yu{.lke Mkkhe MkuðkLku fkhýu ½ýku k¼ u Au. íkæwãkhktík ykãkýe çkuflkk økúknfku ylþ çkuflkk ylku ylþ çkufkulkk økúknfku ykãkýe çkuflkk fuþ rzãkkuíex {þelk{kt hkufz s{k fhkðe þfu yuðe Mkwrðãk çku þk¾k{kt WÃk çä Au, íkúkk Passbook Kiosk {þelkúke òíku s ÃkkMkçkwf «elx fhe þfu íkuðe MkwrðÄk 36 þk¾k{kt WÃk çä Au. ykãk Mkðuo yk MkwrðÄkLkku {n k{ k¼ ku íkuðe rðlktíke Au. 15

20 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. 16 kufh Mkuðk : ykäwrlkf çku føk Wãkuøk{kt çkufkulke þk¾kykulkk yãíklk MkwrðÄk Ähkðíkk {fklkku (ÃkrhMkh){kt kufhlkwt rðþu»k {níð Au. ykãkýe çkuflke 47 þk¾kyku{kt WÃkhktík kufhlke MkwrðÄk WÃk çä Au. çkuflkk kufmko nku ðkíkklkwfwr ík Au íkúkk íku{kt zùumkªøk Y{Lke MkwrðÄk Ãký Ãkwhe Ãkkzðk{kt ykðu Au. økúknfkulke {ktøkýelku æþklk{kt R y{ku ðäwlku ðäw MkwrðÄkÞwõík kufmkolke ÔÞðMÚkk fhðk «ÞíLkþe Aeyu. ykãkýe çkuf îkhk uðkíkwt kufh ¼kzw ½ýwt s rfvkþíke nkuðkúke íku{s çkuflkk kufh nku MkwrðÄkÞwõík nkuðkúke, ðäwlku ðäw økúknfku yk MkuðkLkku k¼ u Au. rz{ux / ASBA Mkuðk : çkuflkku rz{ux rð¼køk 1999 Úke fkþohík Au. çkuflke 56 þk¾kyku îkhk rz{ux Mkuðk yãkkþ Au. çkuflke ík{k{ þk¾kyku IPO/FPO {kt ¼hýwt ¼hðk ASBA Mkuðk ykãku Au. ð»ko Ëhr{ÞkLk çkufu ASBA Mkuðk {kxu 118 IPO {kt yhsyku Mðefkhe níke. çkuf îkhk økúknfkulke MkwrðÄk {kxu ASBA îkhk IPO {kt yhs fhðk {kxu çkuflke {kuçkkr çku føk Application {kt Lkðe MkwrðÄk W¼e fhðk{kt ykðe Au. ðäw{kt sw kr 2019 Úke ykðe yhsyku UPI Lkk {kæþ{úke s Úkþu su ytøku syhe fkþoðkne [k w s Au; sulke ÞkuøÞ Mk{Þu økúknfkulku òý fhðk{kt ykðþu. ÃkkLkfkzo / økumk rçk f uõþlk Mkuðk : çkuflke ík{k{ þk¾kyku{kt RLf{xuûk Ãkh{uLkLx yufkwlx Lktçkh (PAN) ytøkulke yhsyku Mðefkhðk{kt ykðu Au. çkuf îkhk yëkýe økumk rçk f uõþlklke Mkuðk Ãký yãkkþ Au. E-Tax Mkuðk : ykãkýe çkuflkk ¾kíkuËkhku, rðrðä Mkhfkhe ðuhkyku Mkh íkkúke ¼he þfu yu {kxu ykãkýe çkuf ylþ çkuflkk MknÞkuøkÚke rlk:þwõf MkwrðÄk Ãkqhe Ãkkzu Au. yk Mkuðk îkhk RLf{xuûk, xe.ze.yumk. S.yuMk.xe., VAT, ESIC, EPFO, fmx{ zâwxe, r{ fíkkulkkt ðu[ký Ãkh xe.ze.yumk. suðk ðuhkyku ¼hðkLke Mkøkðz Au. {kuxe MktÏÞk{kt çkuflkk økúknfku yk MkuðkLkku k¼ u Au. MxuBÃk u føk Mkuðk : çkuflke 52 þk¾kyku îkhk MxuBÃk u føk Mkuðk Mktíkku»kfkhf heíku ykãkðk{kt ykðu Au. çkuflke þk¾kyku îkhk LkkLke hf{úke {ktze {kuxe hf{ MkwÄeLkk ík{k{ MxuBÃkLkwt ufªøk fhe ykãkðk{kt ykðu Au. Ëhuf þk¾k{kt zkþhuõx Mku ªøk yuslx (ze.yumk.yu.) îkhk Ãký MxuBÃk ufªøklke MkwrðÄk Ãkwhe Ãkkzðk{kt ykðu Au. ylþ Mkuðkyku : yk WÃkhktík çkuf îkhk ylþ Mkuðkyku suðe fu xku e Lktçkh, e R-Mxux{uLx, e yumk.yu{.yumk. yu xo, e rz{ux Mxux{uLx ykulk {kuçkkr, yufkwlx çku ulmk, yufkwlx Mxux{uLx, {kfuoxªøk yufkwlx {emz fku MkŠðMk, SMS îkhk zurçkx fkzo Block Services ykãkðk{kt ykðu Au. Mkk{kSf W khëkrþíð : çku føk «ð]r klke MkkÚku, Mk{ks «íþulke sðkçkëkhelkk ¼køkYÃku çkuf îkhk ylkufrðä «ð]]]r kyku fhðk{kt ykðu Au, su{kt {kr ku VkÞLkkLMk, hõíkëklk «ð]r k, Mkk{kSf / ykšúkf / þiûkrýf / ykhkuøþ ûkuºku fk{ fhíke MktMÚkkykuLku ËkLk, íkusmðe rðãkúkeoykulku ÃkwhMfkh, rëðtøkík Mk¼kMkËkuLkk ykr íkkulku MknkÞ, rðrðä rëðmkkulke Wsðýe suðe «ð]r kykulkku Mk{kðuþ ÚkkÞ Au. çkuflkk çkkuzo ykuv rzhuõxmkolkk MkÇÞku ykðe «ð]r kyku{kt nkshe ykãke «kuímkknlk ykãku Au. hõíkëklk «ð]r k : çkuflke yk MkuðkfeÞ «ð]r kyku{kt þk¾k rðfkmk Mkr{ríkLkk MkÇÞ eyku, çkuflkk yräfkhe e [tÿðëlk þwõ ylku þk¾k {ulkusmko íkúkk MxkV ¾qçk s «þtmklkeþ fk{økehe fhu Au. økík ð»ko Ëhr{ÞkLk yk fk{økehe{kt çkuflke 54 þk¾kykuyu ¾qçk s «þtmklkeþ fk{økehe fhe níke. çkuf{kt yk «ð]r klku økríkþe hk¾ðk hõíkëklk fubãkku íkúkk nuõúk [ufyãk fubãkku Þkusðk{kt ykðu Au su{kt f{o[kheyku íkúkk økúknfku W{ fk¼uh MknÞkuøk ykãku Au. çkufu ð»ko Ëhr{ÞkLk hõíkëklklkk 77 rþrçkh ÞkuS, 5652 ÞwrLkx hõík yufxwt fþow níkwt, ylku nuõúk [uf yãklkk 31 fubãk ÞkußÞk níkk sulkku 2235 ÔÞÂõíkykuyu k¼ eäku níkku. çkuf îkhk MkhfkhLke ðe{k ÞkusLkkykuLkwt y{ efhý : ònuh slkíkklkk k¼kúkuo ¼khík Mkhfkh îkhk ònuh fhkþu e «ÄkLk{tºke Mkwhûkk ðe{k ÞkusLkk{kt (PMSBY) íkúkk «ÄkLk{tºke SðLk ßÞkurík ðe{k ÞkusLkk{kt (PMJJBY) ykãkýe çkufu Mktíkku»kfkhf fkþo fþwo Au. ykãkýe çkufu yíþkh MkwÄe{kt PMSBY ÞkusLkk{kt økúknfku íkúkk PMJJBY ÞkusLkk{kt økúknfkulku ykðhe eäk Au. yk çktlku ÞkusLkkyku{kt økík ð»ko ËhBÞkLk fw 18 Ëkðkyku ÚkÞk Au sulke Ãkíkkðx fhe Ëuðk{kt ykðe Au ylku k¼kúkeoykulku ðe{klke hf{ [qfðe ËuðkR Au.

21 49 Annual Report yx ÃkuLþLk ÞkusLkk: ð»ko ËhBÞkLk ykãkýe çkufu ¼khík Mkhfkh elke yk ÞkusLkk y{ {kt {qfe Au. su ytíkøkoík çkutfu 70 økúknfkulku ykðhe eäk Au. çkuflkk Mk¼kMkËku ylku økúknfkulku yk ÞkusLkkLkku k¼ uðk rðlktíke Au. çkuf îkhk økúknfkulku ðe{klkku k¼ : ykãkýe çkuf{kt çk[ík¾kíkw íkúkk [k w ¾kíkw Ähkðíkk økúknfkulku y{qf þhíkkulku ykrälk ÃkMkoLk yuõmkezlx ðe{klkku k¼ ykãkðk{kt ykôþku Au. ð»ko Ëhr{ÞkLk yk ÞkusLkk nux 3,59,084 økúknfkulku ykðhe uðk{kt ykôþk níkk ylku ðe{klkwt r«r{þ{ Y>.22,31,425 çkuf îkhk ¼hðk{kt ykôþwt níkwt. yk ðe{k ÞkusLkk nux 28 Ëkðk ÚkÞk níkk. yk çkäk s ËkðkykuLkk õ ur{ fhe Ëuðk{kt ykôþk Au. su{ktúke 16 k¼kúkeoykulku hf{ [qfðe Ëuðk{kt ykðe Au ylku çkkfelkk 12 õ ur{ «kumkumk{kt Au. rðï {rn krëlklke Wsðýe : Mk{ks{kt {rn kykulku rðrþü MÚkkLk ylku MkL{kLk «kó ÚkkÞ íku rð[khäkhklku æþklk{kt hk¾e, çkuf îkhk 8{e {k[o, 2019Lkk hkus rðï {rn k rëlklke økkihð¼uh Wsðýe fhðk{kt ykðe níke. yk rëðmku çkuf îkhk yuf Mkur{Lkkh Þkusðk{kt ykôþku níkku. yk Mkur{Lkkh{kt çkutfu ºký «ÏÞkík e ðõíkkykulku yk{trºkík fþko níkk. zkp. þuvk eçkulk ËuMkkE fu suyku Mkk{ðuË nkuâmãkx {kt çkúumx MksoLk íkúkk flmk xlx zkpõxh Au íku{ýu {rn kykulkkt MðkMÚÞ ò ðýe {kxu Mkq[Lk fhu íkúkk íku{lkk «& kulkwt rlkhkfhý fþwo níkw. zkp. {u½kçkulk þkn yu WÃkÂMÚkík {rn k økúknfkulku øk¼omktmfkhlkwt {níð Mk{òÔÞwt. e{íke r{ k çkulk Ãkxu fu suyku rð[híkk Mk{wËkÞ Mk{ÚkoLk {t[lkk {ulkustøk xùmxe Au íku{ýu {rn kykulku Mkk{kSf fkþo fhðk {kxu «uhýk ykãke.yk Mk{økú fkþo {Lkwt Mkt[k Lk çkuflke {rn k f{o[kheykuyu MkwtËh ylku MkhMk heíku fþwo níkwt.ykãkýe çkuflkk 500 Úke ðäw {rn k Mk¼kMkËku, ¾kíkuËkhku, þw¼uåafkuyu çknku e MktÏÞk{kt nksh hne fkþo {Lku MkV íkk yãkkðe níke. ykãkýe çkuf îkhk {rn kykulku rðþu»k k¼ ykãkðk {kxu nkwmkªøk kulk íkúkk yußþwfuþlk kulk ÃkhLkk ÔÞksËh{kt rðþu»k hkník ykãkðk{kt ykðu Au. zkulkuþlk : rhíðo çkuflke Mkq[Lkk ylkwmkkh, çkuf Ëh ð»kuo [kuï¾k LkVkLkk 1% sux e hf{, Mkk{kSf, þiûkrýf, ykhkuøþ suðkt ûkuºkku{kt fk{ fhíke MktMÚkkykuLku ËkLk Ãkuxu ykãke þfu Au. íkëtylkwmkkh çkufu ð»ko Ëhr{ÞkLk Y>.78,55,000/- Lkwt ËkLk rðrðä MktMÚkkykuLku ykãþwt níkwt. su{kt {wïþíðu økwshkík fulmkh MkkuMkkÞxe, yûkþ Ãkkºk VkWLzuþLk, MkÆrð[kh Ãkrhðkh, nuõúk yulz fuh VkWLzuþLk suðe MktMÚkkykuLkku Mk{kðuþ ÚkkÞ Au. yk WÃkhktík fux ef ylþ MktMÚkkykuLku Ãký LkkLke {kuxe hf{lkwt zkulkuþlk ykãkðk{kt ykôþwt Au. þiûkrýf nuíkwmkhlkwt rähký : Mk{ksLkk {æþ{ ðøkolkk kufkulkk MktíkkLkkuLku Wå[ rþûký {kxu MknkÞ¼qík Úkðk ykãkýe çkufu ykuak ÔÞks Ëhu, þiûkrýf rähký ykãkðklkwt þy fþwo níkwt, sulkku k¼ ½ýk rðãkúkeoykuyu eäku níkku. ð»ko Lkk ytíku 663 ¾kíkkuyku{kt ykþhu Y> fhkuzlkwt rähký çkkfe Au. yíþkhu çkuf îkhk Wå[ yçþkmk {kxu Y>.50/- k¾ MkwÄeLkwt rähký 9.10% Úke 9.25% MkwÄeLkk ÔÞks Ëhu ykãkðk{kt ykðu Au. íkëtwãkhktík, þiûkrýf rähkýlke yhsyku{kt fkurãký «fkhlke «kumkumkªøk Ve uðk{kt ykðíke LkÚke. ð»ko ËhBÞkLk 37 rðãkúkeoykulku Mkhfkh e íkhvúke þiûkrýf MkçkMkezeLkku k¼ {u ðe ykãkðk{kt ykðu Au. fk wãkwh çkuf rþ»þð]r k ÞkusLkk : ykãkýe çkuflkk Mk¼kMkËku ylku f{o[kheykulkk íkusmðe rðãkúkeoykulku «kuímkknlk ykãkðklkk ykþþúke, íku{lku rþ»þð]r k ykãkðklke ÞkusLkk y{ {kt Au. yk ÞkusLkkLke þhíkku ylkwmkkh, yumk.yumk.mke., yu[.yumk.mke. íkúkk MLkkíkf, ylkwmlkkíkf íkúkk «kuvuþlk zeøkúeykulke Ãkheûkkyku{kt Mkkhk økwý {u ðíkk rðãkúkeoykulku, rþ»þð]r k ykãkðk{kt ykðu Au. ð»ko Ëhr{ÞkLk, çkufu fw 210 rðãkúkeoykulku Y>.6,03,210/- Lke rþ»þð]r k ykãke Au. yk ÞkusLkkLku ðäw WÃkÞkuøke çklkkððk çkkuzo Mk¼kMkËkuLkk Mkw[LkkuLku ykðfkhu Au. Mk¼kMkË MknkÞ ÞkusLkk : çkufu, íkulke Mkk{kSf sðkçkëkhelkk ¼køkYÃku çkuflkk rëðøktík Úkíkk Mk¼kMkËkuLkk ykr íkkulku {ËË fhðklkk W{Ëk ykþþúke, ð»ko 1997 Úke Mk¼kMkË MknkÞ ÞkusLkk y{ {kt {qfe Au. ð»ko Ëhr{ÞkLk rëðtøkík ÚkÞu k 274 Mk¼kMkËkuLkk ÃkrhðkhsLkkuLku, yk ÞkusLkk nux çkufu Y>. 27,40,000/- Lke MknkÞ [qfðe Au. rëðtøkík ÚkÞu k Mkðuo Mk¼kMkËkuLkk ykí{klku Ãkh{kí{k r[hþktrík yãkuo íkuðe çkkuzo ykuv rzhuõxmko «kúkolkk fhu Au. þk¾k rðfkmk Mkr{ríkykuLke fk{økehe : çkuflke økúknf Mkuðk{kt W khku kh MkwÄkhku ÚkkÞ íku {kxu íkúkk çkuflku Mk{ksLkk «ríkrcík {nklkw¼kðkulkk ylkw¼ð ylku MktçktÄkuLkku k¼ 17

22 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. 18 { u íkuðk ykþþúke, çkufu þk¾k rðfkmk Mkr{ríkykuLke h[lkk fhe Au su {kuxk¼køklke þk¾kyku{kt fkþohík Au. yk Mkr{ríkykuLke r{xªøkku øk¼øk Ëh ËkuZ / çku {rnlku { u Au su{kt çkuflkk rzhuõxh e íkúkk ylkw¼ðe yräfkheyku nkshe ykãku Au. r{xªøk{kt MkÇÞku íkhvúke { íkkt Mkq[Lkku Ãkh ykð~þf fk{økehe fhðk{kt ykðu Au. Mkr{ríkLke r{xªøkku{kt { íkkt Mkq[LkkuÚke, çkuflkk fk{{kt økríkþe íkk ykðu Au. Mkr{ríkLkk MkÇÞkuLke, yulk.ãke.yu. ÚkÞu k ¾kíkkyku{kt ðmkq kík {kxu Ãký õþkhuf {ËË uðkþ Au. Mkr{ríkLkk MkÇÞku íkhvúke {kfuox RLxu eslmklkk fk{{kt Ãký syh Ãkzu {ËË uðkþ Au. íkëtwãkhktík çkuf, çku føk MkuðkLkku ÔÞkÃk ðäkhðk þk¾kyku{kt økúknf r{ Lk Mk{kht¼ Þkusu Au. yk fkþo {ku{kt Ãký þk¾k rðfkmk Mkr{ríkykuLkk r Þkþe MkÇÞku Mkr Þ nkshe ykãke y{lku «kuímkkrník fhu Au. çkuflkwt çkkuzo ykuv rzhuõxmko yk Mkðuo MkÇÞkuLkku íku{lke {klkët Mkuðk çkë ¾qçk ¾qçk yk¼kh {klku Au ylku ðäw Mkr Þ Vk ku ykãkðk rðlktíke fhu Au. çkutflku { u k yuðkuztío : «ÄkLk{tºke ykðkmk ÞkusLkk nux fku-ykuãkuhuxeð çku føk ûkuºk{kt Wíf]c fk{økehe çkë,ykãkýe çkuflku zkp. nhëeãk Mkn Ãkwhe, MkuLxÙ yçkolk zuð Ãk{uLx {elkemxhlkk ðhët nmíku, LÞw rëõne ¾kíku yuðkuzo yulkkþík ÚkÞu Au. ð»ko ËhBÞkLk Mkw«rMkØ çku føk {uøkuíelk çku føk LxeÞh îkhk ykãkýe çkuflku ºký yuðkuzo «kó ÚkÞu Au. 1. çkumx [uh{ulk yuðkuzo 2. çkumx NPA {ulkus{ulx yuðkuzo 3. VeLkkLMkeÞ r xhmke yuðkuzo ykãkýe çkuflku Care Rating MktMÚkk íkhvúke A2+ huxªøk ykãkðk{kt ykðu Au. su Mkq[ðu Au fu çkuf Financial Obligation Lke Mk{ÞMkh [qfðýe fhðk Mkûk{ Au. ykãkýe çkuflku NSDL îkhk Star Performer Award 2018 yulkkþík fhðk{kt ykðu Au. The Sou Gujarat Co.Op. Bank s Association Ltd. íkhvúke The 11 SCOBA PRIDE AWARD yulkkþík fhðk{kt ykðu Au. LkuþLk Ãku{uLx fkuãkkuohuþlk ykuv RÂLzÞk (NPCI) íkhvúke ykãkýe çkuflku Rupay NFS, ATM Network, CTS {kt ¾qçk s MkwtËh fk{økehe çkë e çke.ãke.fklkwløkku, zuãþwxe økðolkh, RBI Lkk ðhët nmíku NPCI-2017 yuðkuzo yulkkþík fhðk{kt ykðu Au. økwshkík yçkolk fku.ykuãk çkuf VuzhuþLk îkhk ykãkýe çkuflku Mknfkh Mkuíkw 2018 íku{s hexlko ykulk yumkuxtmk ylku yurvrmkþlmke huþeþku yuðkuzo yulkkþík fhðk{kt ykðu Au. ykãkýe çkuflku Mkw«rMkæÄ y¾çkkh rëôþ ¼kMfh îkhk y{ëkðkëlke uc fku.ykuãkhuxeð çkuf íkhefu ònuh fhðk{kt ykðu íkúkk økwshkík hkßþlkk Wòo{tºke e Mkkih¼ Ãkxu Lkk ðhët nmíku ykãkýe çkuflku yu{elklmk yuðkuzo-2018 yulkkþík fhðk{kt ykðu Au. ykãkýe çkuflkk [ev {ulkush e{íke {ki eçkulk çkkuzeðk klku Centre For Agriculture Banking, RBI, ÃkwLku íkhvúke ÞkuòÞu fumk hkexªøk MÃkÄko{kt ¼khík¼h{kt çkeòu {ktf {u ððk çkë, e{íke Mkwhu¾kçkuLk {hktze, yuõíwõþwxeð rzhuõxh, VkÞLkkLMkeÞ ELf wílk rzãkkxo{ulx, RBI Lkk ðhët nmíku yuðkuzo yulkkþík fhðk{kt ykðu Au. {klkð MktMkkÄLk rðfkmk ylku fkiþõþðäolk : ykãkýe çkuflkwt {ulkus{ulx, çkuflkk {klkð MktMkkÄLkLku çkuflke «økrík{kt {níðlkwt ÞkuøkËkLk ykãkíkk ytøk íkhefu Mðefkhu Au. ykúke f{o[kheykulkk WíMkknLku ò ðe hk¾ðk íku{lku Mktíkku»kfkhf ðuíklk, ylþ Mkøkðzku, WíÃkkËfíkk MkkÚku Mktf kþu çkkulkmk, «{kuþlk, yuðkuzío, RLkk{, «{kýãkºkku ðøkuhu ykãku Au. ð»ko{kt yuf ð¾ík f{o[kheykulku MknÃkrhðkh yk{trºkík fhe, íku{lkwt ònuh fkþo {{kt MkL{kLk fhðk{kt ykðu Au. f{o[kheykulkkt çkk fkulku Ãký íku{ýu {u ðu e rðþu»k rmkâæä çkë ÃkwhMf]ík fhðk{kt ykðu Au. çkuflkk f{o[kheykulke u¾lk ûk{íkklku «kuímkkrník fhðk çkuf nkwmk slko f{oûþ «fkrþík fhu Au. çkuflkwt nkwmk slko, yulkk {krníkemk¼h u¾ ylku ylþ rðrðäíkkykulku fkhýu ðk[fkulku ½ýwt s WÃkÞkuøke çklþwt Au. çkkuzo ykuv rzhuõxmko íkulkk MktÃkkËf {tz Lku yr¼lktëlk ykãku Au. çkuflkk ÃkwMíkfk Þ{kt rðrðä rð»kþkulkkt ÃkwMíkfku, Mkk{krÞfku, ðíko{klkãkºkku, Tabloids ðøkuhu ðmkkððk{kt ykðu Au. çkuflkk ¼qíkÃkqðo f{o[kheyku MkkÚkuLkku MktçktÄ Sðtík hnu íku {kxu çkuf LkkLkk {kuxk fkþo {ku{kt íku{lku yk{trºkík fhu Au. f{o[kheykulke «rík¼klku rlk¾khðk {kxu çkuf Mkíkík «ÞíLkþe hnu Au. yk WÆuþLku æþklk{kt hk¾elku ð»ko Ëhr{ÞkLk çkufu íku{lkk

23 49 Annual Report f{o[kheøký {kxu Äýe ELxhLk íkúkk yuõmkxolk xùulkªøk «kuøkúk{lkwt ykþkuslk fhu Au.íkÆWÃkhktík çkufu íkulkk f{o[khe øký {kxu Employee Conclave fkþo {Lkwt ykþkuslk fhu su{kt 54 f{o[kheykuyu ¼køk eäu su{lku rðrðä xe{ rçkõzªøk íkúkk ezhþeãklkk ÃkkX, hku à u îkhk þe¾ðkzðk{kt ykðu. çkuflkk 49 {kt MÚkkÃkLkk rëlku çkufu su f{o[kheyku ºký ËkÞfkÚke ðäkhu çkuf MkkÚku òuzkþu k níkk íkuðk 91 f{o[kheykulku yuðkuzoúke MkL{krLkík fþko níkk. çkuf îkhk JAIIB / CAIIB Ãkheûkk {kxu rlk:þwõf ðøkkuo [ kððk{kt ykðu Au sulkku k¼ ykãkýe çkuflkk f{o[kheyku WÃkhktík ylþ çkufkulkk ½ýkt f{o[kheyku u Au. ð»ko Ëhr{ÞkLk ykãkýe çkuflkk 17 f{o[kheykuyu JAIIB, 13 f{o[kheykuyu CAIIB, 6 f{o[kheykuyu AML-KYC íku{s 6 f{o[kheykuyu VkuhuLk yuõmk[uls ykuvemkhlke, 1 f{o[kheyu ykr.xe. MkeõÞwhexe, 1 f{o[kheyu zesx yu{yumkyu{r, 2 f{o[kheykuyu Mke.Mke.yku., 5 f{o[kheykuyu NISM (yulkykeyumkyu{) - rzãkkuíexhe ykuãkhuþlk íkúkk 1 f{o[kheyu MkeõÞwhexe ELxh{ezeyheMk fkubãk kþlmk (LkkuLk VLz) Ãkheûkkyku ÃkkMk fhe Au. yu heíku fkiþõþ «kó fhu k f{o[kheyku îkhk çkuf økwýð kkþwõík økúknf Mkuðk ykãke þfu Au. {kfuoxªøk rð¼køklke «ð]r kyku : ð»ko Ëhr{ÞkLk,{kfuoxªøk rð¼køku MxuBÃk ufªøk Mkuðk {kxu 66 DSA (zkþhuõx Mku ªøk yuslx) Lke rlk{týqf fhe Au. ð»ko Ëhr{ÞkLk çkuf îkhk nku{ kulk rähkýfíkkoykulku Yk fhkuzlke MkçkMkeze MknkÞ {u ðe ykãku Au. {kfuoxªøk rð¼køku rðrðä Mkhfkhe ÞkusLkk suðe fu yx ÃkuLþLk ÞkusLkk, «ÄkLk{tºke yubãk kur{ulx slkhuþlk «kuøkúk{lkku økúknfkulku k¼ ykãþku Au.íkÆWÃkhktík çkufu hksfkux BÞwLkeMkeÃk fkuãkkuohuþlk ylku hksfkux yçkolk zuð Ãk{uLx ykuúkkuhexe, MkkÚku nku{ kulk {kxu MOU fhu Au. çkuflkk {kfuoxetøk rð¼køklkk yräfkhe ylku f{o[kheyku ¾qçk s «þmktlkeþ fk{ fhu Au sulke çkkuzo Mkøkðo LkkUÄ u Au. æäktsr : e ¼ k¼kr Mke. Ãkxu y{lku sýkðíkkt ¾uË ÚkkÞ Au fu ykãkýe çkuflkk rzhuõxh e ¼ k¼ke Mke.Ãkxu Lkwt íkkhe¾: Lkkt hkus Ëw:¾Ë yðmkklk ÚkÞu Au. e ¼ k¼ke Mke.Ãkxu ykãkýe çkuf{kt çkkhuò çkúkl[lkk «ríkrlkrä íkhefu {kt rzhuõxh íkhefu òuzkþu. çkuflkk Äýk çkäk Mk{khkunku, Mkur{Lkkhku ylku yøkíþlke {exªøkku{kt íku{ýu ykãkýe çkuflkwt MkV «ríkrlkräíð fþwo Au.çkuLfLke «økrík{kt íku{lkku Vk ku y{qõþ Au. çkuflke ðkmkýk, ð kãkwh ylku yklktëlkøkh þk¾k rðfkmk Mkr{ríkykuLkk [uh{ulk íkhefu yk þk¾kykulkkt rðfkmk{kt ¾qçk MkwtËh {køkoëþolk ÃkwY Ãkkzâwt Au. íku{lkk yðmkklkúke çkuflku yuf ylkw¼ðe ylku Mkr Þ rzhuõxhlke ¾kux Ãkze Au. e søkëeþ[tÿ {w kýe e søkëeþ[tÿ {w kýelkwt Mk{økú SðLk Mknfkhe ûkuºklku Mk{ŠÃkík hìkwt. MkLku 1960 {kt økwshkík hkßþlke MÚkkÃkLkk Úkíkk íkuyku økwshkík hkßþ Mknfkhe Mkt½Lkk [ev yuõíeõþwxeð íkhefu ÃkMktËøke ÃkkBÞk ylku hkßþ{kt Mknfkhe «ð]r kyku rðfmkkððk {kuxw ÞkuøkËkLk ykãþwt. íku{lkk {køkoëþolk nux SÕ k Mknfkhe Mkt½ku{kt Mknfkhe íkk e{lke «ð]r k ¾qçk rðfmke. Mknfkhe ûkuºklkk ykøkuðklk Mk{Úkof, ¾qçk s yçþkmke, Mknfkhe «ð]r k Ãkh ylkuf u¾ku ylku MkkrníÞ ¾Lkkh íku{s çkuflke Ãkºkfkh fku kulke þk¾klke rðfkmk Mkr{ríkLkk MkÇÞ e søkëeþ[tÿ {w kýe SðLkLkk ytík MkwÄe çkuf MkkÚku Mkr Þ heíku Mktf kþu k hìkk. íkuyku elkk yðmkklkúke çkufu yuf Mkr Þ Mk{Úkof økw{kôþk Au. e sþtrík¼kr [tëw k Mkt½ðe e sþtrík¼kr íku{lkk SðLk{kt Mkuðk, MkkËøke ylku ÄkŠ{f fkþkuolku økíke fk{økehe fhðk {kxu LkkhýÃkwhk MÚkkLkfðkMke silk Mkt½{kt Mkuðk yúkuo òuzkþk. íkuykulkk {w¾uúke Ä{o, MkkrníÞ ylku MkhMðíkeLkk rºkðuýe Mktøk{Úke kufku y¼e¼qík Úkíkk níkk. íku{lkk SðLk{kt ÚkÞu yuf ylkw¼ðúke «uhkrlku íkuykuyu y{ëkðkëlke ðe.yumk.nkuâmãkx {kt çknkhøkk{úke ykðíkk ËËeoykuLkk MkøkkLku s{ðklke íkf ev Lk Ãkzu íku {kxu íkuykuyu økheçk ylku syrhþkík{të kufkulku rðlkk{qõþu xevelk ÃknkU[kzðkLke Mkuðk þy fhe. íkuyku SðLk{kt syrhþkík{tëkulku MknkÞ fhðk{kt yøkúumkh hnuíkk níkk. íkuyku çkutflku ßÞkhu syh Ãkzíke íþkhu ¾zuÃkøku rëðmk-hkík òuþk ðøkh çkuflku nt{uþk {ËËYÃk Úkíkk níkk. íkuyku ykãkýe WM{kLkÃkwhk þk¾klkk rðfkmk Mkr{ríkLkk Mkr Þ MkÇÞ níkk. íkuykulkk yðmkklkúke çkufu yuf Mkr Þ Mk{Úkof økw{kôþk Au. e þktrík k økehäh k Ãkxu e þktrík¼kryu MkËTfkÞo Mkuðk Mkt½Lkk MÚkkÃkf MkÇÞ íkúkk Mkn{tºke íkhefu ¾qçk MkwtËh {klkðíkklkk fk{ku fhu. yk Mkt½{kt ÃkuÚkku kusf xumx ylku ylþ MkkÄLkku îkhk ylkuf ËËeoykuLkk Ãkrhûký hkníklkk ËhÚke fhðk{kt ykðu Au. íkuykuyu LkkhýÃkwhk rðmíkkhlke Lkkøkrhf Mkr{rík{kt ½ýkt ð»kkuo MkwÄe ðkrmk «umkezulx 19

24 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. 20 íkhefu Mkuðk ykãke níke. íkuyku çkuflke Ãkºkfkh fku kulke þk¾klkk rðfkmk Mkr{ríkLkk Mkr Þ MkÇÞ níkk. e LkhuLk¼kR xe. þkn çkuflke fk çkkëuðe þk¾k rðfkmk Mkr{ríkLkk MkÇÞ e LkhuLk¼kR þkn Mkr Þ níkk ylku fk çkkëuðe þk¾klkk rðfkmk{kt WÃkÞkuøke Mkq[Lkku ykãkíkk níkk. e h{uþ¼kr Ãke. çkkhkux e h{uþ¼kr çkkhkux fk wãkwh çkuflke MÚkkÃkLkkLkk Mk{ÞÚke s çkuf MkkÚku Mktf kþu k níkk. çkuflku fkþëkfeþ Mk knlke syh nkuþ íþkhu WÃkÞkuøke Mk kn ykãkíkk. yuzðkufux íkhefu íku{lke fk{økehe ¾qçk s MkhknLkeÞ hne níke. íkuyku e yûkh ÃkwY»kku k{ Mðkr{LkkhkÞý ¼økðkLkLkk ylklþ ¼õík níkk. íkuyku nt{uþkt MkkiLku {ËËYÃk níkk. íkæwãkhktík çkuflke yk {hkuz þk¾k{kt fk{ fhíkk f{o[khe ¼kE e {unw ¼kE Ãke.Ãkxu, çkkuãk þk¾k{kt fk{ fhíkk f{o[khe ¼kE e hslkefklík ze.ãkxu íku{s {käwãkwhk þk¾k{kt Mkçk MxkV íkhefu Vhs çkòðíkk e rë eãk¼ke Ãke.XkfkuhLkwt yfk yðmkklk ÚkÞu Au. ík{k{ f{o[kheyku ¾qçk s ylkw¼ðe ylku r[ðxúke fk{ fhlkkhk níkk. yk Mkðuoyu çkuflku ykãku e MkuðkykuLke LkkUÄ E, çkuflkwt çkkuzo ykuv rzhuõxmko, íkuykulkk ykí{klku Ãkh{kí{k r[hþktrík yãkuo íkuðe «kúkolkk fhu Au. yk¼kh ËþoLk : çkuflkk fkþoûk{ ðneðx{kt {ËËYÃk ÚkLkkh íkúkk çkuflku «økríklkk Lkðkt MkkuÃkkLk Mkh fhðk{kt MknkÞ¼qík ÚkLkkh Mk¼kMkËku, økúknfku, þw¼uåafku ylku f{o[kheøkýlkku çkkuzo ykuv rzhuõxmko ytík:fhýãkqðof yk¼kh {klku Au. çkuflkk Mkt[k Lk{kt MknkÞ¼qík ÚkLkkh rhíðo çkuf ykuv EÂLzÞkLkk rhsþkulk rzhuõxh e su. fu. Ëkþ, rhíðo çkuflkk rzãkkxo{ulx ykuv fku-ykuãkhuxeð çkufmk MkwÃkhrðÍLkLkk [ev slkh {ulkush e ykh.yu.þ{ko íku{s rzãkkxo{ulx ykuv fkuykuãkhuxeð çkufmkt huøþw uþlklkk [ev slkh {ulkush e Lkehs rlkøk{, fku-ykuãkhuxeð çkuõmk MkwÃkhrðÍLk rzãkkxo{ulx, y{ëkðkëlkk slkh {ulkush e ðe.htøkkhkð, VkuhuLk yuõmk[uls rzãkkxo{ulxlkk zuãþwxe slkh {ulkush e ykh.fu.çk{olk, MkuLxÙ hsmxùkh, fku-ykuãk.mkkumkkþxeí, Lkðe rëõnelkk e zkp.yr¼ ûþ e¾e, økwshkík hkßþlkk Mknfkh ¾kíkkLkk hsmxùkh e Lk elk¼ke WÃkkæÞkÞ, økwshkík yçkolk fku.ykuãk.çkufmk VuzhuþLkLkk [uh{ulk e ßÞkuríkLÿ¼kE {nuíkk, y{ëkðkë Mkexe yulz rzmxùeõx fku-ykuãk.çkufmk yumkkumkeyuþlklkk [uh{ulk e n»koë¼kr su. þk e, økwshkík Mxux fku-ykuãk.çkuf íkúkk y{ëkðkë rzmxùeõx fku-ykuãk.çkuf r.lkk [uh{ulk e ysþ¼ke Ãkxu Lkku, íku{ýu ykãku k Mknfkh çkë çkkuzo yk¼kh {klku Au. ykãkýe çkuflkk hkusçkhkuslkk fk{{kt {ËË fhíke MktMÚkkyku suðe fu SEBI, NSDL íkúkk ylþ çkufku suðe fu çkuf ykuv çkhkuzk, Vuzh çkuf, Mxux çkuf ykuv EÂLzÞk, HDFC çkuf, ICICI çkuf, fkuãkkuohuþlk çkuf,þwrlkþlk çkuf ykuv EÂLzÞk, MkuLxÙ çkuf ykuv EÂLzÞk, IDBI Bank, Indusind Bank, DCB Bank, RBL Bank, SIDBI, ECGC,FEDAI,CCIL,NPCI,IBA íkúkk rðëuþe çkufku suðe fu HABIB American Bank; Commerz Bank AG. ðøkuhulkk yräfkheykulkku yk «Mktøku çkkuzo yk¼kh {klku Au. çkuflkk Mkðuo ykurzxmko, MxuåÞwxhe ykurzxmko, eøk yuzðkeímko, ðuõþwyumko, yuzðkufuxtmk MkðuoLkku yk «Mktøku yk¼kh {klkeyu Aeyu. ¾kMk fhelku çkuflkk r øk yuzðkeíh e ysík Mkn òzuò, e rníkuþ¼ke þkn, e síkelk¼ke þux íkúkk e LktËeþ¼kE [wzøkhlkku ð»ko ËhBÞkLk íku{ýu ykãku Mknfkh çkë çkkuzo yk¼kh {klku Au. çkuflkk «kuvuþlk ylku ÃkkhËþof Mkt[k Lk íkúkk rðfkmk{kt Mkíkík MkkÚk ykãklkkh çkuflkk çkkuzo ykuv rzhuõxmkolkk Mkðuo MkÇÞ eykulkku y{u ytík:fhýãkqðof yk¼kh {klkeyu Aeyu. çkuflke fk{økehe{kt nt{uþk MknkÞYÃk Úkíkkt [uh{ulk yu{urhxmk e ytçkw¼ke Ãkxu, ðkemk [uh{ulk e r{lkuþ¼ke Ãkxu, yu{.ze. e Ãke.yuV.¼Y[kLkku y{ku Éý Mðefkh fheyu Aeyu. çkuflkk ykurzx/elmkãkuûklklkk fk{fks{kt íkúkk Human Resources Management Lke fk{økehe{kt y{qõþ ÞkuøkËkLk ykãkðk çkë, [kxozo yufkwlxlx ylku çkuflkk «kuvuþlk rzhuõxh e fkirþf¼ke Ãkxu Lke íkúkk çkuflkk ELVh{uþLk xuflkku kus MktçktÄe fk{fks{kt y{qõþ Mk kn ykãkðk çkë zkþhuõxh e rfhex¼ke Ãkxu Lkku, CA e fuíkw ¼kE Ãkxu íkúkk e hkrn Ãkxu Lke MkuðkykuLke çkkuzo Mkk¼kh LkkUÄ u Au. çkuflke «e{kemkemk & EõðeÃk{uLx fr{rxlkk MkÇÞ íkhefu Mkuðkyku ykãkíkk rzhuõxh e rçkãkelk¼ke þkn, e nmk{w¾¼ke Ãkxu íkúkk Mð. e ¼ k¼ke Ãkxu Lke MkuðkykuLke çkkuzo Mkk¼kh LkkUÄ u Au. íkæwãkhktík çkuflkk nt{uþkt rník [íkf, Ãkqðo MkktMkË e MkwhuLÿ¼kE Ãkxu ylku Mke.yu. e rlkãk{¼ke þknu ð»ko Ëhr{ÞkLk ykãku Mk kn Mkq[Lkku çkë çkkuzo yu{lkku yk¼kh {klku Au. çkuf

25 49 Annual Report îkhk MSME ûkuºku rähký ðäkhðklke fk{økehe{kt y{qõþ ÞkuøkËkLk ykãkðk çkë rzhuõxh e ytçkh¼ke Ãkxu íkúkk e rfhex¼ke Ãkxu íkúkk e þi u»k¼kr MkkuLkkhkLkku íku{s çkuflkk fk{fks{kt y{qõþ Mk kn Mkq[Lk ykãkðk çkë zkp.rëlkuþ¼ke yu{.y{elk Lke, e{íke {käðeçkulk Ãkxu Lke, e{íke ÃkqðeoçkuLk Ãkku¾rhÞk Lke íkúkk {ke ku VkELkkLMk ûkuºku Mkuðkyku ykãkíkkt e{íke r{ k çkulk Ãkxu Lke MkuðkykuLke çkkuzo Mkk¼kh LkkUÄ u Au. þk¾k rðfkmk fr{rxykulkkt Mkðuo MkÇÞ eykuyu ykãku MkuðkykuLke çkuflkwt çkkuzo MkhknLkk fhu Au. çkuflkk slkh {ulkush ylku Mke.R.yku. e rðlkkuë¼ke ËkË kýe, çkuflkk çkkuzo ykuv rzhuõxmkolkk Mkr[ð e {nulÿ¼ke Ãkxu, ðrhc yräfkheyku Mkrník ík{k{ yräfkhøký, þk¾k {ulkushku íkúkk Mkðuo f{o[kheøkýu rlkck ylku ðvkëkheãkqðof fhu e fk{økehelke fëhãkqðof LkkUÄ E MkðuoLku ÄLÞðkË ykãkeyu Aeyu. çkuf{ktúke Mkuðk rlkð]r k eäk ÃkAe çkuf{kt {klkëtmkuðk ykãkíkk e {nuþ[tÿ yumk. ÔÞkMkLke MkuðkLke y{u fëh fheyu Aeyu. çkuflkwt çkkuzo ykuv rzhuõxmko, ðíko{klkãkºkku, Mkk{krÞfku ylku xe.ðe. r{zeþklkku íku{ýu ykãku k Mknfkh çkë yk¼kh ÔÞõík fhu Au. çkuflkku rðfkmk ykäwrlkf rð[khäkhk, ÃkkhËþeo ðneðx ylku Ãkrhýk{ ûke çku føklkk MktfÕÃk MkkÚku ÚkE hìkku Au. yk fk{økehe{kt ykãklkk Mkq[Lkku y{lku {køkoëþolk ÃkqÁt Ãkkzþu íkuúke çkkuzo ykãklkk MknÞkuøk {kxu rðlktíke fhu Au. ykãk MkðuoLkku ÃkwLk: yk¼kh, yklkku ¼ÿk íkðku ÞLíkw rðïík: y{lku Mkðuo rëþkykuúke þw¼ rð[khku «kãík Úkkyku!! çkkuzo ykuv rzhuõxmko ðíke, LkðLkeík¼kR Mke. Ãkxu [uh{ulk. 21

26 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. BOARD OF DIRECTORS REPORT Dear shareholder Broers and Sisters, We, e Board of Directors, have great pleasure in presenting 49 Annual Report on e business and operations of e bank along wi Annual Accounts, e Statutory Auditors report and details of activities done by our bank for e year Bank s performance during e year Total Business mix of ` Crores During e year, e performance of our bank in e area of deposit, advances and profitability was satisfactory. Bank s total business has reached to ` crore at e end of e year Out of 56 branches, 38 branches have crossed business mix of ` 100 crore, of which 18 branches have crossed business mix of ` 200 crore. 28 branches have deposits above ` 100 crore and 8 branches have advances above ` 100 crore. Ashram Road branch wi deposits of ` crore and SME & Mid Corporate branch wi advances of ` crore rank first. Board of Directors conveys appreciation to employees and officers of ese branches. Key Financial Indicators of e Bank (Rs. in Crore) Item % change Share capital (+) 3.98 % Membership (+) 3.86 % Reserves (+) % Deposits (+) 6.83 % Advances (+) % Investments including Govt. Securities and (-) 6.73 % Bank deposits Working Capital (+) 6.79 % Net profit (+) % Gross income (+) 3.39 % Gross Expenses (-) 0.20 % Credit / deposit ratio 60.09% 67.40% (+) % CRAR 16.73% 16.67% (-) 0.36 % Gross NPA (+) % (1.81%) (2.94%) Net NPA 0.00% 0.00% - 22 Share Capital, Reserves and Capital Adequacy Ratio Bank s auorized share capital is ` 125 crore. As against is, bank s paid up share capital is ` crore at e end of e year which shows an increase of 3.98 % over e previous year. Total shareholders as on are

27 49 Annual Report Bank s total reserves have reached to ` crore registering a grow of 11%. The CRAR of e bank stood at %. This can be considered quite satisfactory as compared to 9% benchmark prescribed by RBI. Thus, continuous increase in share capital, increase in bank s reserves and healy CRAR are indicators of sound and professional administration of our bank. Grow in Deposits Total deposits ` crore, grow of 6.83% At e end of e year, bank s deposits have reached to ` crore wi grow of 6.83%. During e year, wi a view to encouraging deposit-holders, our bank has increased interest rates on deposits. As on , bank has introduced ''Golden Jubilee Deposit Scheme'' at attractive deposit interest 8.00 %. Under is scheme, our bank has collected deposits wor ` crore. In addition to at, bank has also introduced Kal Short Term Deposit scheme for 111 days at attractive interest rate of 7.00%. CASA deposits of e bank stood at ` crore, forming 29.89% of total deposits. As you know profitability of e bank depends mainly upon CASA deposits. Hence entire board and staff members put in continuous efforts for increasing CASA deposits. In order to increase CASA deposits, bank had announced ''Sampark Abhiyan'' starting from to Under is scheme, bank could open more an 6600 savings and current accounts in which average balance of more an Rs crore is maintained. During e year , new savings accounts and 3541 new current accounts have been opened. Bank extends several benefits to Premium/ Privilege/ Special category Savings/Current account holders in service charges. Bank extends various services like mobile banking, internet banking, debit cards, various insurance schemes of Government, and oer technology supported services due to which customer base of e bank has increased. Bank gives immense importance to excellent customer service. Board of Directors requests members and well-wishers to extend eir full support for increasing customer base. Our bank regularly pays premium on deposits to Deposit Insurance and Credit Guarantee Corporation (DICGC) and comply wi extant guidelines of e Reserve Bank of India. Total Advances ` crore-grow of 19.81% At e end of e year, bank s advances have reached to ` crore wi a grow of 19.81% as compared to last year. Considering various risks associated wi LC bill discounting as well as low yield in LC bill discounting advances, bank is now focusing more on Regular advances. There has been considerable grow in bank s MSME and Export Sector advances. In case of Retail advances also ere is considerable grow achieved in Education Loans, Home Loans, Vehicle Loans etc. Wi a view to increasing advances, bank had celebrated ''Loan Sampark Abhiyan'' from As a result of at, more an 800 loan accounts were opened which resulted into increase in advances to e tune of ` 350 Crores. Credit deposit ratio of e bank has reached to 67.40% which was 60.09% in previous year. We can say at CD Ratio of our bank is satisfactory. Bank also provides various retail loans like Home loan, Car loan, Education loan at attractive interest rates. Bank expects considerable grow in advances in Interest rates on advances of our Bank are quite competitive and e benefit of which is availed by large number of customers.. The MSME sector in our country plays vital role in economic development and employment generation. Bank is, erefore arranging meetings of entrepreneurs of is sector to increase MSME advances. Moreover Agro based industries are offered special interest rates for advances. Bank has introduced special cluster scheme for borrower belonging to Textile and Printing Industry to cater eir special 23

28 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. requirements.bank extends Housing finance at a very attractive rate of interest. Apart from at, bank also offers various retail products at very attractive interest rates. The borrowers having better credit rating are given concession in interest rate under Credit Rating scheme introduced since last few years. The credit rating scheme is modified from time to time so as to make it more beneficial to e customers. Bank Guarantees issued by our bank are accepted by various Gujarat Government departments, Board, Corporations, Societies, Public Sector undertaking etc. In is connection, Finance Department of Gujarat Government issues, GR mentioning list of eligible banks and our bank is one of e eligible banks. The staff at branch level, officers and executives of Head Office, e officials of marketing department and e members of Board of Directors, all associated in e process of grant of advances; ensure careful scrutiny of credit proposals. Bank makes continuous efforts to maintain quality of advances so as to avoid e accounts turning into NPA category. The Board of Directors congratulates all ose who are involved in is work. Priority sector advance As per RBI guidelines, UCBs have to extend 40 % advances of eir Adjusted Net Bank Credit to Priority Sector and 10 % advances to Weaker section. Accordingly, our bank s advances to Priority sector constitute 57.32% at e end of e year , which were 43.77% at e end of previous year. The weaker section advances stood at 8.39% of Adjusted Net Bank Credit, as compared to previous year of 6.31%. Bank has been making sincere efforts to increase finance under weaker sections. In order to increase weaker section advances, bank has started ree separate Micro Credit Divisions (1) Bapunagar centre covers Memco, Nava Nikol, Naroda branches(2) Khokhra centre covers Isanpur, Maninagar, Vatva branches (3) Surat centre covers all seven branches of Surat. Bank has also started Mobile Van to provide door step services to weaker section of e society. Mobile van is extending banking services to different areas of Ahmedabad like Behrampura, Majurgam, Danilimda, Nikolgam, Parikshitnagar, Bapunagar. Finance to MSME sector MSME sector plays important role in employment generation. Hence, Government as well as Reserve Bank of India focus more on increasing such advances to is sector. Accordingly, our bank is also making sincere efforts to increase finance to is sector. Bank has selected fourteen branches in e industrial areas for extending finance to MSME units. Bank s finance to is sector has reached to ` 1473 crore. To increase MSME advances, bank is regularly conducting customer meets and revising products based on customers feedback. Micro credit Women Empowerment Since last few years, our bank has taken various steps to increase Micro Credit Advances to Weaker Sections of e society to make affordable finance available to em of eir upliftment and social wellbeing. A separate Division has been formed in e bank for systematic planning and focused attention on micro credit. Major beneficiaries of micro credit are women. Such advances provide em employment opportunities to support eir families. Due to such advances, standard of living of women beneficiaries has improved and ey have become financially literate. This is a forward step towards women empowerment. During e year , bank has extended finance of ` 3.57 Crores to 1491 women beneficiaries. Since 2012, Bank has extended finance of ` Crores to more an beneficiaries. The Board of Directors conveys appreciation to e employees involved in is work and exhorts em to ensure at e advances portfolio under is category remain healy. Non Performing Assets (NPAs) Gross NPAs 2.94%, Net NPAs 0.00% The entire banking industry in our country is facing problem of considerable increase in NPAs. Gross NPA of our Bank has also reached to ` crore at e 24

29 49 Annual Report end of e financial year which is 2.94% of total advances. It also includes NPA of erstwhile merged banks wi our bank. Our bank has recovered ` crore during e financial year from NPA accounts. As per RBI guidelines, bank is required to make a provision of ` crore for standard advances as well as NPA accounts. However, since our bank has already made a total provision of ` crore, Net NPAs of our bank have remained at zero percent as in e past several years. During e year under review, our Board has approved to write off/waiver in 208 nonperforming assets accounts after granting relief in principal/uncharged interest, penal interest, and oer expenses and to charge off 34 accounts. These 242 accounts include 36 accounts in which relief is granted to e tune of ` Lakhs in ledger outstanding. The Board has taken ese decisions of write off / charge off/waiver in terms of e auority given to it by e General Body. The Board requests is house to ratify e action of e Board. Board also requests is house to give permission to e Board to write off /charge off/consider waiver etc in nonperforming accounts during e Financial Year Recoveries in written off accounts Our bank pursued a policy of prudential write-off / charge off certain NPA accounts, in which chances of any recovery are very rare. These accounts were actually written off wi e permission of General Body. However, e efforts of recovery in such accounts were continued by bank. We are happy to state at during e year , our bank has recovered a significant amount of ` 1.36 crore from such written off/charged off accounts. Our Board appreciates e efforts of e Bank s Recovery Dept. for e work done. Finance to Directors of our Bank The directors of our bank and eir relatives as defined by RBI are not granted any kind of finance by our bank, except loan / overdraft against fixed deposits standing in eir own name, and us bank strictly comply wi RBI guidelines in is regard. Investments ` crore Our bank s total investments were to e tune of ` crore at e end of e year , which decreased to ` crore at e end of e year The investments under SLR category of ` crore, Non-SLR category of ` crore, deposits wi oer banks of ` crore and Reverse Repo lending of ` crore. Our bank has created an Investment Depreciation Reserve of ` crore to guard against possible risks, as per RBI guidelines. Furer, Investment Fluctuation Reserve of e bank stood at ` crores. Bank is taking adequate care to ensure at e investments of bank are safe and secured. Bank made profit of ` 5.14 crore from trading of Government Securities during e year. Risk Management The banking systems and procedure, technological changes and market risks have undergone sea change in e present time. As a result, Risk Management has gained lot of importance. Banks have to manage mainly Operational Risk, Credit Risk and Market Risk. Our bank has put in place adequate practices and procedures to manage ese risks. Bank has formed investment committee to study market risk, which meets periodically and takes appropriate decisions. The credit risk is mitigated by regular audit, inspection, decentralization of powers to sanction advances, fixation of exposure ceilings, monitoring, inspection, credit rating etc. Bank ensures risk based supervision of branches. Bank s Audit committee also focuses on ese areas. Being an auorized dealer in Forex, having AD category 1 license, our bank has to face country risk also. Our bank has prescribed Bank-wise & country-wise exposure ceilings and ey are reviewed from time to time. Wi e increase in e technology adoption and use of digital channels by banks and its customers for various banking operations, ere is significant 25

30 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. increase in cyber frauds. In e context of is, Reserve Bank of India has issued circular on "Basic Cyber Security Framework for Urban Co-operative Banks (UCBs)" on 19 October 2018 for e implementation of cyber security framework wi basic cyber security framework controls. Wi respect to e same, our bank has already taken several steps to implement ese controls and furer strengening information and cyber security controls to protect from cyber-attacks. Bank has issued various advisories to customers rough /SMS on its website. Bank's Asset Liability Committee meets periodically to study and manage liquidity risk, and ensures timely submission of liquidity returns to RBI and also takes care to avoid any possible default in maintenance of CRR / SLR. Our Bank has never defaulted in maintenance of CRR / SLR. Board acknowledges work done by ese departments. Thus, considering e importance of risk management, our bank is following prudent practices and procedures and systems are being strengened from time to time. Appropriation of Profit and Dividend Total income ` crore Net profit ` crore Dividend 15 % (proposed) We are pleased to inform you at bank's Total Income has increased to ` crore as on as compared to last year total income of ` crores. After deducting total expenses, taxes and provisions from is income, bank has achieved higher Net Profit of ` crores, which was ` crores last year. Due to efficient administration, Net profit of e bank is steadily increasing, which ultimately results into increase in reserves as well. As per provisions of bank s Byelaws, Board recommends profit distribution as below and requests is house to approve e same. No. Particulars Amount (`) 1 Reserve funds (25%) 30,68,04, Education fund 1,22,72, Unforeseen losses fund 12,27,21, Dividend (15%) 13,04,33, Building fund 15,70,83, Charity fund 1,57,08, Jubilee fund 3,92,70, Member/ Customer incentive Fund 3,92,70, Investment fluctuation fund 5,13,75, Reserve fund 35,22,76, Total Net Profit 1,22,72,16, Board recommends to is house to approve 15 % dividend to pay to e shareholders for e year Assessment of Targets and Budget for e year Bank reviews achievement against e targets given for e year and gives targets for e current year in e beginning of every year. The targets are given after considering e views of e concerned staff. As is process is carried out in e beginning of e year, e staff gets sufficient time for planning. The branches doing admirable work in achieving e targets are complimented. During e year, , our bank has done satisfactory work in achieving various targets. Its credit goes to all Staff members, Board of Directors, Branch Development committee members, customers and well wishers. The Board has also prepared budget for e year which is presented for approval of is house. 26

31 49 Annual Report Analysis of Targets and Budget for e year (` in Crore) No. Particulars (Target) (Actual Achievement) (Target) 1 Share capital Reserves and surplus Deposits Of which CASA deposits Investment including deposits wi banks Advances Working capital Gross income Gross expenses Operating profit Net profit NPA recovery Corporate governance-cum-co-operative governance Right from inception, our bank follows basic principles of co-operative values. Our bank lays importance to corporate governance in its administration, but at e same time, follows cooperative principles. Following is policy, our bank has merged seven small weak / sick co-operative banks in order to protect eir members and depositors. Bank s Board of Directors takes decisions keeping in mind bank's responsibility towards society and its share-holders, following RBI guidelines in letter and spirit wi complete transparency. Furer, it gives us great pleasure to announce at, Siddhi Co-op. Bank Ltd. has been merged wi our bank w.e.f As a result our bank branch network has increased from 56 to 59 branches. As per RBI guidelines, two professional directors are co opted by Board and ey provide eir valuable services to e bank. Bank s Board meets twice a mon in which majority of Directors remain present. The committees formed for extending support to e Board meet regularly and take decisions at are helpful to e Board. Board invites invitees and gets benefit of eir services as and when required as per rules. Foreign Exchange Department Our bank is e first urban co-operative bank which holds permanent AD category I license in gujarat. The department has done foreign exchange turnover of ` 13,375 crores during e year. This department undertakes all Forex related transactions. Our bank offers forex related services at highly competitive rates. Our bank is dealing in foreign currencies like USD, GBP, Euro, Canadian dollar and Japanese Yen, etc. International Banking Department (IBD) provides all services related to import and export. In case of exports, Bank provides various facilities like Export packing credit, Foreign bills collection, foreign bills purchase/ discounting/ negotiation etc. at very competitive rates. In case of imports, bank provides various facilities like Foreign Letter of credit (FLC), Buyers credit/ Suppliers credit, Foreign Bank Guarantees, Forward Contract, etc. The Department uses Reuters / Tickers / CCIL services and dealing room is available at Ahmedabad. Bank provides international payment facility by direct SWIFT system. Our bank s name is included in International Bank Directory. Our Bank s SWIFT system works very efficiently. We urge all businessman and traders engaged into international business to take maximum benefit of our foreign exchange services. 27

32 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. Currecny Chest: Our bank obtained permission from RBI for opening currency chest during e year Bank s currency chest is actively functioning and it gives facility to customers and bank for cash management. Apart from is, bank also provide cash management facility to more an 10 small co operative banks and small finance banks. Para Banking services Banking industry is facing fierce competition in e present time. So, it is very necessary for banks to earn income from sources oer an core banking activities, so as to make reasonable profit. This income should normally meet wi administrative expenses. Our bank has not been able to reach up to is level. Our bank, however, earns good income from various para banking services such as Life Insurance, General Insurance, Heal Insurance, Demat & ASBA, Stamp franking, PAN, Card Insurance etc. We request all of you to get benefit of such services. Internet banking Our bank provides internet banking facility to Corporate customers as well as Retail customers wiout any cost. Bank provides Internet banking services under secured environment and is subject to IT security audit. Through internet banking, customers can avail internal/ external fund transfer, view/ print statements, know status of cheque, send request for new cheque book, issuance create Fixed deposit, pay bills etc., services from eir Laptop/Desktop or Mobile devices. We expect maximum customers to avail is facility. At e end of is year, 5369 corporate customers and 7292 retail customers have availed is facility. Wi a view to increasing use of internet banking, bank has waived charges for NEFT/ RTGS transactions when done rough internet banking channel. Therefore customers are advised to take maximum benefit of ese services. Mobile banking Our bank has upgraded its mobile application during e year, Under is facility, various services like fund transfer rough IMPS,RTGS, NEFT, mini statement, balance enquiry, cheque book indent, ASBA facility, status of cheque, bill payment are provided. We advise customers to take maximum benefit of is facility. Debit Card Our bank s Rupay debit card can be used for availing various services. Cardholders can use is card at Shopping Malls or can swipe it at POS machines. This card can be used for online shopping, booking of railway tickets, hotel booking, bill payment, payment of insurance premium etc. Furer, our bank has started RuPay Platinum Debit Card facility since last two years which provides insurance cover to e extent of ` 2 Lacs apart from various oer facilities such as free use of lounge at select Airports in India, Cash back offers in utility bill payment etc. We request all to use is card extensively ATM centres Our bank has total 58 ATMs; which include five offsite ATMs.Our ATMs extend 24 x 7 hour service wi facility of Airconditioners and are secured by security guards, siren and CCTV surveillance. In our ATMs currency notes of good quality are always stored. Oer bank s ATM card holders take maximum benefit of services of our ATMs. In addition wi is, our bank's customers can deposit cash in oer banks and oer bank's customer can deposit cash in our bank rough Cash Recycler/BNA Machine is, type of facility available in two Branches of our bank. Our bank's customer can directly make entry rough Passbook Kiosk Machine, is type of facility available in 36 Branches.We are requested to all to get maximum benefit of is type of facility. Locker service Modern banking requires safe deposit locker facility rough well-furnished premises. Our bank extends locker service at 47 branches rough more an lockers. Bank makes earnest efforts to provide more and more lockers. Since e locker rent charged by our bank is very reasonable and locker halls are well furnished and Air conditioned,, more and more customers are taking benefit of locker services. 28

33 49 Annual Report Demat service / ASBA service Bank s Demat department is functioning since Branches provide demat facilities.all e branches of our bank extend ASBA service to customers. During e year, our bank has accepted applications under ASBA facility for 118 IPO. This year, bank has started to provide ASBA facility rough mobile banking. Furer, bank is planning to go for UPI which will enable customers to send applications rough is medium. We will inform to customers as and when we go live in UPI. PAN card service / Gas Bill collection service All e branches of our bank receive applications for issue of Income Tax Permanent Account No. Bank also extends Adani Gas Bill collection service. E-Tax service Our bank extends e-tax service free of charge for payment of various taxes by our customers; in collaboration wi oer Banks. Under is services, customers can make payment of various taxes like income tax, TDS, GST,VAT, custom duty, ESIC, EPFO, TDS on sale of assets etc. Large number of customers are availing benefit of is facility. Stamp franking service 52 branches of our bank extend stamp franking service to members of public. Branches provide franking facility for any amount. Branches have also appointed DSAs for providing franking facility. Oer services Apart from above mentioned services, bank provides various oer services like Toll free number, free E Statements, Free SMS alerts, free Demat statements on mobile, Missed call services for knowing account balances, Mini statement, marketing rough missed call services, blocking of Debit card rough SMS marketing etc. Large number of customers avail benefit of ese services. Corporate Social Responsibility As a part of corporate Social Responsibility, our bank encourages several activities for e benefit of society, which include micro finance, blood donation, donations to organisations engaged in social/ Educational/ Medical activities, prizes / scholarships to meritorious students, assistance to e kin of deceased members, celebration of various days etc. The members of Board of Directors support such activities by remaining present in e various functions. Blood Donation Members of branch development committees, all e branch managers and co-ordinating officer Shri Chandravadan Shukla are giving remarkable contribution in is social activity. During e year, 54 branches have satisfactorily arranged blood donation camps. Bank ararnges blood donation camps and Heal Check up camps frequently. The staff members and customers give eir immense contribution in is activity.during e year, 77 such camps were arranged and 5652 units of blood was collected. 31 heal check up camps were arranged during e year; e benefit of which was taken by 2235 persons. Implementation of Insurance schemes of Government of India Our bank has done remarkable work in implementation of insurance schemes of Central Government. viz Pradhan Mantri Suraksha Bima Yojna (PMSBY) and Pradhan Mantri Jivan Jyoti Bima Yojna (PMJJBY), launched by e Prime Minister.We are happy to state at customers have been covered under PMSBY and customers have been covered under PMJJBY. Unfortunately, 18 dea claims took place under ese schemes and all e claims have been settled and e claim amount has been disbursed to e claimants. Atal Pension Scheme: Under initiatives of e Government of India, our bank has implemented is scheme during e Year. Till now, bank has covered 70 customers under e said scheme. All e members and Customers are advised to take maximum benefit of is scheme. Insurance benefit to our Customers: Our bank has launched personal accident insurance scheme for e benefit of savings and current account holders of our bank, subject to certain conditions. During e year, under e said scheme, total 3,59,084 customers have been covered and Bank has paid premium of ` 22,31,425 for e same. There were 28 claims under e scheme and our 29

34 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. 30 bank has claimed e amount for all of em. Out of which, 16 beneficiaries have been paid claim amount and e remaining 12 claims are under process. Celebration of International Woman Day. Wi a view to giving respect to women in e society, our bank celebrated International Women s Day on 8 March A seminar was organized to mark e occasion. Bank invited ree eminent women speakers to address e women customers. Smt. Dr. Shefali Desai, a Breast Surgeon and Consultant of Samved Hospital, Ahmedabad addressed on various issues on Women s Heal and advised em how to take care of heal. Smt. Dr. Meghaben Shah from Scientific Garbh Sanskar Centre addressed women customers about importance of Garbh Sanskar. Smt Mittalben Patel, Managing Trustee of Vicharata Samuday Samaran Manch, working for e welfare of nomadic tribe expressed her concern over social issues and advised women customers to focus on social work as well.the entire programme was conducted by female staff members of our bank. More an 500 women customers were present and made e programme successful. Our bank provides Housing loan and Education Loan to women borrowers at special concessional rates. Donation As per RBI guidelines, our bank makes donations of amount equivalent to 1 % of bank s net profit every year. Accordingly, our bank has given donation of ` 78,55,000 during e year to 13 organizations like The Gujarat Cancer Society, The Akshay Patra Foundation, Sadvichar parivar, Heal and care foundation etc. In addition to at, bank has given donation to various oer institutions as well. Finance for higher Education: Our bank provides Education loan at very competitive interest rates, benefit of which is availed by many students. Up to e end of e year , bank has given Education Loan to 663 students, outstanding of which is ` crore. At present,bank gives education loan of Rs. 50 lakh for higher study in India and abroad at attractive interest rates ranging from 9.10% to 9.25% which is perheps lowest in banking industry. Bank does not charge any processing fees for education loan. During e year, our bank has helped 37 students to obtain educational subsidy under government scheme. Kalupur Bank Scholarship Scheme Our bank has introduced a scheme of giving scholarship to meritorious students of members and staff members of our bank since many years. Under is scheme, students securing good marks in SSC, HSC, Graduation, Post-graduation etc are awarded scholarship. Under e scheme, during e year , 210 students were given a scholarship of ` 6,03,210. Board invites various suggestions from members to make is scheme more beneficial. Members welfare scheme As a part of social responsibility, bank has introduced a scheme wi a noble cause of helping family members of deceased members, since During e year, Bank paid ` 27,40,000 to family members of 274 deceased members. The members of Board prays God for eternal peace to e souls of e deceased members. Branch Development Committees Bank has formed Branch Development Committees for most of e branches of our bank, comprising of prominent personalities of society, to avail e benefit of eir experience and contacts for improving customer service of our bank. The meetings of such committees are held once in One and Half / Two mons in which bank s director and experienced officers remain present. Bank takes necessary action for implementing suggestions given by e members. The implementation of suggestions brings improvement in customer service, professionalism and momentum in bank s working. The committee members at times help recovery of NPAs and give market intelligence report. Bank organizes customer meets at branches to increase customer base. During such customer meets, Branch development committee members take active part and provide encouragement to staff. Board respects e honorary services of e active committee members and requests em to continue to extend eir contribution in development of e bank. Human Resources Development Skills and Knowledge development Our bank s management considers human resources as an integral part of development of bank. So, to

35 49 Annual Report keep e staff motivated, bank gives em satisfactory remunerations and oer facilities; productivity linked bonus, promotions, awards, appreciation certificates etc. Once in a year, a programme is arranged in which all e employees are invited wi family, and deserving employees are felicitated publicly. Children of staff members are also felicitated for eir feats in sports / educational / cultural activities. Bank also publishes in house journal named Karmanya to encourage e writing skills of staff. This in House journal has become popular because of informative and varied articles. Library of e bank is enriched wi good number of magazines, books, newspapers, periodicals, tabloids etc. Bank invites retired employees in various functions and maintain relationship wi em. Bank is highly focused on strengening e existing talent pool of staff. Wi e same focus, Bank has organized many internal / external training programmes for employees of all departments across e board. Moreover, bank has organized Employee conclave in which 54 employees have taken part. Various team building and leadership lessons were taught to em rough role play. On e 49 Establishment day of e bank, bank has awarded 91 Employees who served Bank for more an 30 years. Bank arranges free coaching classes for JAIIB / CAIIB examination, e benefit of which is availed by employees of several oer banks also. During e year, 17 employees of our bank cleared JAIIB, 13 employees cleared CAIIB, 6 employees cleared AML- KYC certificates, 6 employees cleared Foreign Exchange Officer, 1 employee is Certified Chief Information Security Officer, 1 employee cleared Digital Banking Certification, 1 employee cleared MSME Certification, 2 employees are Certified Credit Officers, 5 employees secured NISM certification in Depository Operation and 1 employee in Securities Intermediaries Compliance (Non-fund). Thus, our employees are making great strides in eir career. The qualified staff gives better customer service. Activities of Marketing Department Marketing Department has appointed 66 Direct Selling Agents (DSA) for stamp franking services. Subsidy of ` crore from government was arranged for housing loan borrowers from government of India during e year by Marketing Department. Marketing department also made efforts for implementing various government scheme like Atal Pension Yojana, Pradhan Mantri Employment General programme and signed MOU wi Rajkot Municipal Corporation, Rajkot urban Development Auority for Housing loans. Our Board appreciates e efforts of e Bank s Marketing Department executive and e team for eir excellent work. Awards Bank has received award for Best performance under Pradhan Mantri Awas Yojana under Cooperative bank Category at e auspicious hands of Dr Hardipsingh Puri, Central Urban Development Minister at New Delhi. During e year, bank has received following ree awards from well reputed magazine Banking Frontier : (1) Best Chairman Award (2) Best NPA Management (3) Fianncial Literacy Award Our bank has been awarded A2+ Rating by CARE Credit Rating Agency. It indicates at our bank is financially sound for timely payment of financial Obligation. Bank has received ''Star Performance Award 2018'' by NSDL. Bank has received 'The 11 SCOBA PRIDE AWARD -2018'' from The Sou Gujarat Co Op Bank's Association Ltd. Bank has received ''NPCI -2017'' award from National Payment Corporation of India (NPCI) in recognition of excellence performance in RUPAY, NFS, ATM Network, CTS at e auspicious hands of Shri B.P Kanungo, e Deputy Governer of RBI. Bank has received 'Sahakar Setu 2018'' and ''Return on Assets and Efficiency Ratio awards from Gujarat Urban Co op Bank federation. Our bank has received ''Eminence Award -2018'' by wellknown newspaper Divya Bhaskar at e auspicious hands of Shri Saurabh Patel, Energy Minister of Gujarat State. 31

36 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. 32 Our Bank's Chief Manager, Ms. Mauliben Bodiwala has received Second Prize in Case writing competition organised by Centre for Agricuture Banking, RBI, Pune at auspicious hands of Surekhaben Marandi, Executive Director, Financial Inclusion Department, RBI. Obituary Shri Bhalabhai C. Patel We are sorry to state our bank's director Shri Bhalabhai C Patel passed away on Shri Bhalabhai Patel was one of e representatives of Bareja branch in our bank, and was appointed as a director in He had successfully represented our bank in e bank's certain keynote functions, seminars and important meetings. His contribution in e progress of e bank was notewory. As a chairman of e Bank's Vasana, Vastrapur and Anandnagar Branch Development Committees, he had provided able direction to ese branches for its development. Due to his dea,e bank has lost an experienced and active director. Shri Jagdishchandra Mulani Shri Jagdishchandra Mulani's entire life was dedicated to e co-operative sector. He was selected as Chief Executive Officer of Gujarat State Co-operative Society at e time of establishment of e state of Gujarat in 1960 and gave enormous contribution towards development of cooperative activities in e state.under his guidance, e development of cooperative training activity in e district cooperative unions developed to a great extent. He was one of e protagonist in cooperative sector and knowledgable personality. He has written literature,many articles on cooperative activities. He was branch development committee member of our Patrakar Branch and was actively associated wi our bank till e dea.bank has lost an active supporter due to his dea. Shri Jayantibhai Chandulal Sanghvi: Shri Jayantibhai Sanghvi joined in e Narananpura Sanakvasi Jain Union for e sake of living life of service, simplicity and religious work.people were fascinated at him for his words on religion, literature and Saraswati. Inspired by an experience in his life, he started e gratuitous service of providing Tiffins to e poor and needy people of Ahmedabad VS Hospital 's Patients and eir relatives.he was leader for helping e poors in his life. He always stood wi bank as and when bank needed. He was e active member in our Usmanpura Branch development committee. Bank has lost active supporter due to his dea. Shri Shantilal Girdharlal Patel: Shri Shantibhai was e founder of Sadkarya Seva Union and done praise wory work towards humanity. In is Union, testing like paological tests of patients are done at concession rate. He had given service as a vice presidents in e civil committee of e Naranpura area for many years. He was e active member in our Patrakar Branch development committee. Shri Narenbhai T Shah: Shri Narenbhai Shah was one of e active member in our Kalbadevi Branch development committee and gave usefull suggestion in meetings for development of e branch Shri Rameshbhai P. Barot: Shri Rameshbhai Barot was associated wi our bank since establishment of our bank. As and when bank needed any legal advice, he had extended useful legal advice to our bank.his work as an advocate was very admirable. He was a staunch devotee of Akshar Purushottam Swaminarayan Lord. He was always helpful to everyone in legal matters. Moreover, our staff members, Shri Mehulbhai P. Patel working in Ashram Road Branch, Shri Rajnikant D. Patel working in Bopal Branch, Shri Dilipbhai P. Thakor working in Madhupura Branch also passed away untimely. They were experienced and faiful employees who worked wi great care. Board of Directors give respectful homage to e departed souls taking note of e valuable services rendered by em. Acknowledgement We place on record our sincere anks and gratitude to all e members, customers, well-wishers and employees of e bank for eir unstinted support and co-operation roughout e year. We place on record our sincere anks and gratitude to Shri J.K. Dash, Regional Director, RBI, Shri R.S.

37 49 Annual Report Sharma, Chief General Manager, DCBS, RBI, Shri Neeraj Nigam, Chief General Manager, DCBR, RBI,, Shri V.Rangarao, General maanger, Co operative bank supervision Department in Ahmedabad,RBI, Shri R.K. Burman, Dy. General Manager Foreign Exchange Dept. RBI, Dr. Abhilaxya Likhi, Registrar of Co-op Societies, New Delhi, Shri Nalinbhai Upadhyay, Registrar of Co-operation, Gujarat State, Shri Jyotindrabhai Mehta, Chairman, Gujarat Urban Co-op Bank s Federation, Shri Harshadbhai J Shashtri, Chairman, Ahmedabad City and District Coop Banks Association, Ahmedabad,Shri Ajaybhai Patel, Chairman of Ahmedabad District Co-op Bank Ltd and Gujarat State Co-op Bank Ltd. We place on record our sincere anks and gratitude to officials of all e organisations / banks etc. such as, SEBI, NSDL, various banks like Bank of Baroda, Federal bank, State Bank of India, HDFC Bank, ICICI Bank, Corporation Bank, Union Bank of India, Central Bank of India, IDBI Bank,Indusind Bank, DCB Bank, RBL Bank, SIDBI, ECGC, FEDAI, CCIL, NPCL, IBA and Foreign Banks like HABIB American Bank, Commerz Bank AG, who lend precious help to our bank in day to day work. We convey our sincere anks to all e auditors, statutory auditors, legal advisors, valuers, and advocates of e bank. We also convey our special anks to legal advisor of our bank Shri Ajitsingh Jadeja, Shri Hiteshbhai Shah, Shri Jatinbhai She, Shri Nandishbhai Chudgar, for eir co-operation during e year. We place on record our sincere anks to all e members of Board of Directors for eir continued support during e year for professional and transparent management of our bank. Our particular anks to Chairman Emeritus Shri Ambubhai Patel, Vice Chairman Shri Mineshbhai Patel and Managing Director Shri P.F. Bharucha for eir guidance and support. We sincerely ank Professional Director and CA Shri Kaushikbhai Patel, for his guidance in Bank s Audit / inspection as well as in Human Resources Management and Director Shri Kiritbhai Patel, CA Shri Ketulbhai Patel and Shri Rahilbhai Patel for providing eir guidance in I.T. Related work. The Board places on record special anks to Bank s Premises and Equipment Committee member Director Shri Bipinbhai Shah, Shri Hasmukhbhai Patel, Late Shri Bhalabhai C. Patel. Board also places on record particular anks to our well-wisher and ex-mp Shri Surendrabhai M Patel and CA Shri Nipambhai Shah for eir guidance. Board is also to ankful to Shri Ambarbhai Patel and Shri Kiritbhai Patel, Shri Shaileshbhai Sonara for eir contribution to increase finance to MSME sector. Board also places on record sincere anks to Dr. Shri Dineshbhai Amin, Smt. Purviben Pokhariyal, Smt Madhaviben Patel, and Smt Mittalben Patel who is serving to Micro Finance field for eir co-operation. Board also anks all e members of Branch Development Committees for eir valued services. We are very much ankful to General Manager & CEO Shri Vinodbhai Dadlani,secretary to Board of Directors, Shri Mahendrabhai Patel, all senior executives, officers, branch managers and staff of e bank in acknowledgement of eir sincere and dedicated services. We appreciate e honorary service provide by Shri Maheshchandra Vyas, after retirement from e bank. We also express our anks to print and electronic media for eir co-operation from time to time. We are working wi a pledge Progressive Thinking Result Oriented Banking. We earnestly desire to make rapid progress by making our services more and more efficient and customer centric. We solicit your co-operation in our task ahead. Thank you all, once again. AANO BHADRA: KRATAVO YANTU VISHWAT: May we get kind & positive oughts from all directions. On behalf of Board of Directors Navnitbhai C. Patel Chairman 33

38 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. Independent Statutory Auditors'Report st for e Year Ended 31 March 2019 (As required under Section 31 of Banking Regulation Act, 1949 as applicable to Co-operative Societies and section 73(4) of Multi State Co-operative Societies Act, 2002 and Rule 27 of The Multi State Co-operative Societies Rules) 34 To, The Members, The Kalupur Commercial Co-Operative Bank Ltd. AHMEDABAD Opinion 1. We have audited financial statements of THE KALUPUR COMMERCIAL CO-OPERATIVE BANK LTD., AHMEDABAD which comprises of e Balance sheet as at 31ST March 2019, e Profit and Loss account, and e cash flow statement for e year en ended, and notes to e financial Statements, including a summary of significant accounting policies and oer explanatory information. The returns of 57 branches audited by us are incorporated in ese financial statement.the branches audited by us have been selected by e bank in accordance wi e guidelines issued to e bank by e Central Registrar of Cooperative Societies. 2. In our Opinion and to e best of our information and according to e explanation given to us, e aforesaid financial statements togeer wi e notes ereon give e information required by Banking Regulation Act, 1949, e Multi State Co operative Societies Act, 2002 and e Multi State Co operative Societies Rules, 2002 and e guidelines issued by e National Bank for Agricultural and Rural Development (as applicable) and guidelines issued by Reserve Bank of India, e Central Registrar of Cooperative Societies and in e manner so required for bank and are in conformity wi accounting principles generally accepted in India and give: a. true and fair view in case of e Balance sheet, of e state of affairs of e Bank as at 31st March, 2019; b. true balance of profit in case of Profit and loss account for e year ended on at date; and c. true and fair view in case of statement of cash flows for e year ended on at date. Basis for Opinion 3. We conducted our audit in accordance wi e Standards on Auditing (SAs) issued by ICAI. Our responsibilities under ose standards are furer described in e Auditor s Responsibilities for e Audit of e Financial Statements section of our report. We are independent of e entity in accordance wi e eical requirements at are relevant to our audit of e financial statements and we have fulfilled our oer eical responsibilities in accordance wi ese requirements. We believe at e audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. Responsibility of Management and Those Charged wi Governance for e Financial Statements 4. The Bank s Board of Directors is responsible wi respect to e preparation of ese financial statements at give a true and fair view of e financial position, financial performance and cash flows of e Bank in accordance wi e accounting principles generally accepted in India, including e Accounting Standards issued by ICAI, and wi provisions of e Banking Regulations Act, 1949, e guidelines issued by e Reserve Bank of India and e guidelines issued by e National Bank for Agricultural and Rural Development, e Central Registrar of Cooperative Societies, e Multi State Co operative Societies Act, 2002, e Multi State Co operative Societies Rules, 2002 (as applicable) This responsibility also includes maintenance of adequate accounting records in accordance wi e provisions of e Act for safeguarding of e assets of e Bank and for preventing and detecting frauds and oer irregularities; selection and application of appropriate accounting policies; making judgments and estimates at are reasonable and

39 49 Annual Report prudent; and design, implementation and maintenance of adequate internal financial controls, at were operating effectively for ensuring e accuracy and completeness of e accounting records, relevant to e preparation and presentation of e financial statements at give a true and fair view and are free from material misstatement, wheer due to fraud or error.in preparing e financial statements, management is responsible for assessing e entity s ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using e going concern basis of accounting unless management eier intends to liquidate e entity or to cease operations, or has no realistic alternative but to do so. Those charged wi governance are responsible for overseeing e entity s financial reporting process. Auditor s Responsibility 5. Our objectives are to obtain reasonable assurance about wheer e financial statements as a whole are free from material misstatement, wheer due to fraud or error, and to issue an auditor s report at includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee at an audit conducted in accordance wi SAs will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in e aggregate, ey could reasonably be expected to influence e economic decisions of users taken on e basis of ese financial statements. As part of an audit in accordance wi SAs, we exercise professional judgment and maintain professional skepticism roughout e audit. We also: Identify and assess e risks of material misstatement of e financial statements, wheer due to fraud or error, design and perform audit procedures responsive to ose risks, and obtain audit evidence at is sufficient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher an for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or e override of internal control. Evaluate e appropriateness of accounting policies used and e reasonableness of accounting estimates and related disclosures made by management. Conclude on e appropriateness of management s use of e going concern basis of accounting and, based on e audit evidence obtained, wheer a material uncertainty exists related to events or conditions at may cast significant doubt on e bank s ability to continue as a going concern. If we conclude at a material uncertainty exists, we are required to draw attention in our auditor s report to e related disclosures in e financial statements or, if such disclosures are inadequate, to modify our opinion. Our conclusions are based on e audit evidence obtained up to e date of our auditor s report. However, future events or conditions may cause e entity to cease to continue as a going concern. Evaluate e overall presentation, structure and content of e financial statements, including e disclosures, and wheer e financial statements represent e underlying transactions and events in a manner at achieves fair presentation. We communicate wi ose charged wi governance regarding, among oer matters, e planned scope and timing of e audit and significant audit findings, including any significant deficiencies in internal control at we identify during our audit. We also provide ose charged wi governance wi a statement at we have complied wi relevant eical requirements regarding independence, and to communicate wi em all relationships and oer matters at may reasonably be ought to bear on our independence, and where applicable, related safeguards. 35

40 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. Report on Oer Legal & Regulatory Requirements 6. The Balance Sheet and e Profit and Loss Account have been drawn up in Forms A and B respectively of e Third Schedule to e Banking Regulation Act, 1949 and e Multi State Co operative Societies Act, 2002, e Multi State Co operative Societies Rules, Subject to e limitations of e audit indicated in paragraph 4 & 5 above and as required by Section 73(4) of e Multi State Co operative Societies Act, 2002, and subject also to e limitations of disclosure required erein, we report at: a) We have obtained all e information and explanations, which to e best of our knowledge and belief were necessary for e purpose of our audit and have found em to be satisfactory; b) The transactions of e Bank which came to our notice have been wiin e powers of e Bank; c) In our opinion, proper books of account as required by law have been kept by e Bank so far as it appears from our examination of ose books and proper returns adequate for e purposes of our audit have been received from e branches/offices. d) The Balance Sheet, e Profit and Loss Account and statement of cash Flows dealt wi by is report are in agreement wi e books of account and e returns; e) In our opinion, The Balance Sheet, e Profit and Loss Account and e Statement of Cash Flows comply wi applicable accounting standards, to e extent ey are not inconsistent wi e accounting policies prescribed by RBI. Schedules forming part of Auditors report on e financials of 8. As required under Rule 27(3) of e Multi State Cooperative Societies Rules, 2002, we report on e matters specified in at Rule as under:- (a) (b) During e course of audit we have generally not come across any material transactions which appear to be contrary to e provisions of e Multi State Cooperative Societies Act, 2002, e rules or e bye laws of e Bank. During e course of audit we have not come across material and significant transactions which appear to be contrary to e guidelines issued by e Reserve Bank of India and National Bank for Agriculture and Rural Development. (c) Money belonging to e Bank which appears to be bad or doubtful of recovery (Refer Schedule A to is report): (d) (e) (f) As per information given to us and to e best of our knowledge, ere are no loans given by e Bank to e members of e Board except ose permissible under RBI guidelines; During e course of our audit we have generally not come across any violation of guidelines, conditions etc., issued by e Reserve Bank of India or National Bank for Agriculture and Rural Development. To e best of our knowledge, ere are no matters at have been specified by e Central Registrar of Cooperative Societies in is regard. Place: Ahmedabad Date: For, R. S. Patel & Co. Chartered Accountants FRN w Rajan B. Shah Partner Membership No

41 49 Annual Report Schedule A The following monies due to e bank appear to be doubtful of recovery (Rule 27(3)(c)).(Advances categorized as doubtful and loss assets as per prudential norms are considered as doubtful of recovery): Category Doubtful Assets Loss Assets Total Amount outstanding as on (Rs. In lacs) Adequate provision has been made against e above advances as per RBI guidelines. AMENDMENT TO THE BYE - LAW ANNEXURE-A Sr. Clause Existing Clause Amended Reason No. No. Byelaw No. Byelaw 1 47 COMMITTEES OF THE BOARD 47 BOARD OF MANAGEMENT AND To provide constitution COMMITTEES OF THE BOARD for Board of Management The Board of Directors shall Board of Directors shall constitute constitute an executive Board of Management as per committee and oer committee Guidelines of e Reserve Bank or sub-committees as may be of India and oer committees or considered necessary provided sub-committees as may be at oer committees or considered necessary or as per sub-committees oer an e directions of Regulatory Auorities. executive committee shall not exceed ree at given point of time Powers and Functions of 40 Powers and Functions of As per draft guidelines e Board: e Board: issued by Reserve bank of India on Board of Various Provisions from (a) NO CHANGE Management for UCBs, (a) to (p) to (p) Bank is required to appoint more professionals having (q) ADDITION: specialized knowledge or To decide allowance/ sitting practical experience in fees to be paid to members of Banking/ oer fields. Board of Management for Hence, bank may pay eir services. allowance/ sitting fees to members of Board of Management. Therefore, it is proposed to delegate powers to board to decide e same. 37

42 THE KALUPUR COMMERCIAL CO-OP. BANK LTD Rs. CAPITAL AND LIABILITIES - ¼tzku íkúkk Ëuðwt BALANCE SHEET íkk Lkk Rs Rs. 1. Capital - þuh ¼tzku 1) Auorised Capital - yräf]ík þuh ¼tzku 1,25,00,00,000 5,00,00,000 Shares of Rs. 25 /- each 1,25,00,00,000 5,00,00,000 þuh Ëhuf Yk. 25/- «{kýu 2) Subscribed Capital - çknkh Ãkkzu wt þuh ¼tzku 88,05,35,700 3,66,18,691 (P. Y. 3,52,21,428) fully paid up shares of Rs. 25/- each 91,54,67,275 3,66,18,691 (Yk. 3,52,21,428 fhkuz ÃkkA k ð»kolke) þuh Ëhuf Yk. 25/- «{kýu 3) Amount called up on 3,66,18,691 (P. Y. 3,52,21,428) shares of Rs. 25 /- each ðmkw ykðu þuh ¼tzku 3,66,18,691 (Yk. 3,52,21,428 fhkuz ÃkkA k ð»kolke) þuh Ëhuf Yk. 25/- «{kýu of e above held by 88,05,35,700 a) Individuals - ÔÞÂõíkyku 91,54,67,275 b) Co-op.Institutions - Mknfkhe MktMÚkkyku c) State Government - hkßþ Mkhfkh eyu Äkhý fhu þuh ¼tzku 2. Reserve Fund & Oer Reserves - ylkk{ík ¼tzku ylku ylþ ¼tzku 4,61,46,63,426 1) Statutory Reserve - ylkk{ík ¼tzku (fkþëklkwmkkh hk¾ðklkwt) 5,21,61,40,041 73,89,97,246 2) Building Fund - {fklk Vtz 88,01,07,868 4,77,48,658 3) Dividend Equilization Fund - rzrðzlz Eõðe keíuþlk Vtz 4,77,48,658 93,46,69,421 4) Bad & Doubtful Debts Reserve - þf{të uýk Vtz 93,46,69,421 86,41,65,808 5) Investment Depreciation Reserve - hkufkýkulkk ½Mkkhk ylkk{ík 86,41,65,808 31,20,94,444 6) Investment Fluctuation Fund - hkufký ðä½x ylkk{ík 34,53,94,444 7) Oer Funds (to be specified) - ylþ ¼tzku : 7,09,49,735 a) Co-operation Propaganda Fund - Mknfkh «[kh Vtz 7,09,49,735 48,05,271 b) Charity Fund - Ä{koËk Vtz 1,10,61,333 29,60,25,000 c) Spl.Building Fund - MÃku. rçkõzªøk Vtz 29,60,25,000 4,16,19,996 d) General Welfare Fund - Mkk{kLÞ ðu Vuh Vtz 4,16,19,996 2,12,81,675 e) Jubilee Fund - ßÞwçke e Vtz 2,12,81,675 7,49,11,153 f) Member/Customer/Incentive Fund - Mk¼kMkË, økúknf «kuímkknlk Vtz 7,49,11,153 8,93,26,908 g) Development Fund - zuð Ãk{uLx Vtz 8,93,26,908 1,00,89,65,047 h) Contingency Fund - fâlxslmke Vtz 1,07,95,20,358 11,77,98,614 i) Capital Reserve - fuãkex heíðo 11,58,00,614 42,68,26,800 j) Contingency Provision Aga. Standard Assets - MxkLzzo yumkuxtmklkwt «kurðílk 45,68,26,800 32,98,30,996 k) Special Contingency Fund - MÃku. fâlxslmke Vtz 32,98,30,996 53,86,27,146 l) Unforseen Losses Reserve - ylkvkuhmkelk kumk heíðo 64,88,69,820 5,88,50,710 m) Provision for Oer Assets - «kurðílk Vkuh ylþ ymõþk{ík 5,88,50,710 25,44,33,000 n) Special Reserve - MÃku~Þ rhíðo 31,70,33,000 1,50,46,137 o) Staff Welfare Fund - MxkV ðu Vuh Vtz 1,50,46,137 35,25,03,342 p) Bad & Doubtful Debts Prov. u/s 36 (1) (viia) 53,27,68,226 11,21,41,40,533 «kurðílk Vkuh çkuz yulz nkwmkvq zuçx u/s 36(1) 12,44,79,48,701 12,09,46,76,233 13,36,34,15,976 38

43 49 Annual Report AS AT hkuslkwt MkhðiÞwt Rs. PROPERTIES AND ASSETS - r{ fík íkúkk uýwt Rs Rs. 1. Cash - hkufz : On hand and Balance wi Reserve Bank of India 3,33,28,81,298 State Bank of India, State Co.op. Bank & Central Co.op. Bank 3,17,31,67,595 nkúk WÃkh, rhíðo çkuf ykuv EÂLzÞk, hkßþ Mknfkhe çkuf, {æþmúk Mknfkhe çkuf{kt 2. Balances wi oer Banks - ylþ çkufku{kt rmk f : 29,17,65,335 1) Current Deposits - [k w¾kíkk 1,02,51,37,287 9,21,99,30,975 2) Fixed Deposits - çkktäe {wëíklke ÚkkÃký 9,18,66,96,822 3) Savings Bank Deposits - Mk ðømk çkuf ¾kíkk 9,51,16,96,310 10,21,18,34,109 1,09,94,42, Money at call and short notice - fku ylku xqtfe {wëíklke LkkuxeMkLke ÚkkÃkýku : 30,00,00, Investments - hkufkýku : 18,40,64,31,578 1) In Central & State Government Securities (at book value) 17,07,69,12,859 {æþmúk ylku hkßþ Mkhfkhe ò{elkøkeheyku{kt (¾heË f{íku) Face Value Rs. 16,60,75,50,000 - ËþoLkeÞ f{ík Yk. 16,60,75,50,000 (P. Y. Rs.1, Cr.) - (Yk fhkuz ÃkkA k ð»kolke) Market Value Rs. 16,92,86,48,575 - çkòh f{ík Yk. 16,92,86,48,575 (P. Y. Rs. 1, Cr.) - (Yk. 1, fhkuz ÃkkA k ð»kolke) 0 2) In oer Trustee Securities 0 çkes xùmx ò{elkøkeheyku{kt 27,57,800 3) In Shares of Co-op. Institutions (oer an item (5) below) 27,57,800 Mknfkhe MktMÚkkyku{kt þuhku{kt (Lke[uLke ykex{ Lkt. 5 rmkðkþlkk) 14,00,00,000 4) In Shares of Clearing Corp. Of India Ltd. 14,00,00,000 f eþhªøk fkuãkkuohuþlk ykuv RÂLzÞk þuh 3,10,00,00,000 5) Debt /Money Market Liquid Fund Investment 2,30,00,00,000 2,73,44,58,200 6) Oer Investments (Non SLR P.S.U.& A.F.I. Bonds) 3,35,90,86,700 çkeò hkufkýku (rðøkík ykãkðe) (LkkuLk yumk.yu.ykh Ãke.yuMk.Þw.) ylku yu.yuv.yke.lkk çkkulz{kt) 24,99,200 7) NPCI Equity Shares - yulk.ãke.mke.yke. Eõðexe þuh 24,99,200 24,38,61,46,778 22,88,12,56, Investments in Principal / Subsidiary - {wïþ / økkiý ¼køkeËkhe LkeÄeLkwt hkufký : State Partnership Fund In Shares of : 1) Central Co-op. Bank - MkuLxÙ fku.yku. çkuf 2) Primary Agr. Cr. Soc. - «kúkr{f Mknfkhe {tz eyku 3) Oer Socities - ylþ {tz eyku{kt 38,33,01,67,079 36,56,62,58,263 39

44 THE KALUPUR COMMERCIAL CO-OP. BANK LTD Rs. CAPITAL AND LIABILITIES - ¼tzku íkúkk Ëuðwt BALANCE SHEET íkk Lkk Rs Rs. 12,09,46,76,233 13,36,34,15, Principal / Subsidiary State Partnership Fund Account {wïþ / økkiý hkßþ ¼køkeËkhe LkeÄe : (For Share Capital Of) 1) Central Co-op. Bank - MkuLxÙ fku-yku. çkuf 2) Primary Agricultural Co-op. Credit Society «kúkr{f ¾uíke rð»kþf Mknfkhe þhkve {tz eyku 3) Oer Societies - ylþ {tz eykulkk þuhku{kt 4. Deposits & Oer Accounts - ÚkkÃkýku ylku ylþ ¾kíkkyku : 1) Fixed Deposits - çkktäe {wëíklke ÚkkÃkýku : 45,77,59,59,784 a) Individuals - ÔÞÂõíkyku 50,77,32,75,492 b) Central Co-op.Bank - {æþmúk Mknfkhe MktMÚkkyku 52,58,18,750 c) Oer Societies - ylþ {tz eyku MktMÚkkyku 73,56,43,840 2) Savings Bank Deposits - Mku ðømk çkuf ÚkkÃkýku : 13,29,37,44,091 a) Individuals - ÔÞÂõíkyku 13,51,64,05,690 b) Central Co-op.Bank - {æþmúk Mknfkhe MktMÚkkyku c) Oer Societies - ylþ {tz eyku MktMÚkkyku 3) Current Deposits - [k w ÚkkÃkýku : 5,14,06,57,012 a) Individuals - ÔÞÂõíkyku 4,13,75,54,005 b) Central Co-op.Bank - {æþmúk Mknfkhe MktMÚkkyku 5,67,48,770 c) Oer Societies - ylþ {tz eyku MktMÚkkyku 6,07,14,680 16,53,34,096 4) Recurring Deposits - hefhªøk ÚkkÃkýku : 16,90,77,417 7,61,214 5) Oer Deposits - ylþ ÚkkÃkýku : 8,04,402 64,95,90,23,717 69,39,34,75, Borrowings - fhs : 1) From Reserve Bank of India - heíðo çkuf ykuv EÂLzÞk Guj. State Co-op. Bank - hkßþ Mknfkhe çkuf Ahmedabad Dist. Co-op.Bank - {æþmúk Mknfkhe çkufãkkmkuúke A) Short Term Loans, Cash Credit and Overdrafts,CBLO which is secured against Government securities xqtfe {wëíklke kulk, fuþ urzx ylku ykuðhzùk^x Mkeçkeyu yku su økðlko{ulx rmkõþwhexeílkk íkkhý Mkk{u 77,05,36,99,950 82,75,68,91,502 40

45 49 Annual Report AS AT hkuslkwt MkhðiÞwt Rs. PROPERTIES AND ASSETS - r{ fík íkúkk uýwt Rs Rs. 38,33,01,67,079 36,56,62,58, Advances - rähkýku: 21,26,47,84,755 1) Short term loans cash credits 24,62,32,79,544 overdrafts and bills discounted xqtfe {wëíklke kulk, fuþ urzx, ykuðhzùk^x ylku ðxkðkþu k çke ku su Ãkife Lke[u {wsçklkk íkkhý Mkk{u Of which secured against a) Government and oer approved securities Rs. 17,70,64,415 (P.Y Cr.) Mkhfkhe ylku çkes ò{elkøkeheyku{kt Yk. 17,70,64,415 (Yk fhkuz ÃkkA k ð»kolke) b) Oer tangible securities Rs. 24,44,51,69,260 (P.Y. 2, Cr.) çkes xulsçk rmkõþwhexeí Yk. 24,44,51,69,260 (Yk. 2, fhkuz ÃkkA k ð»kolke) Of e advances amount due from individuals Rs. 1,61,09,08,222 (P.Y Cr.) WÃkhLkk rlkšëü rähký Ãkife ÔÞrfík ÃkkMku Yk. 1,61,09,08,222 (Yk fhkuz ÃkkA k ð»kolke) Of e advances amount overdue Rs. 47,66,87,674 (P.Y Cr.) {wëíkðeíke hf{ Yk. 47,66,87,674 (Yk fhkuz ÃkkA k ð»kolke) Considered bad and doubtful of recovery Rs. 4,22,41,351 (P.Y Cr.) ytëksík ¾hkçk ylku þf{të Yk. 4,22,41,351 (Yk fhkuz ÃkkA k ð»kolke) 3,97,22,37,515 2) Medium Term Loans - {æþ{ {wëíklke kulk 4,53,00,65,952 Of which secured against - si Ãkufe Lke[u {wsçklkk íkkhý Mkk{u a) Government and oer approved securities Rs. 29,86,895 (P.Y Cr.) Mkhfkhe ylku çkes ylþ ò{elkøkeheyku Yk. 29,86,895 (Yk fhkuz ÃkkA k ð»kolke) b) Oer tangible securities Rs. 4,45,36,35,331 (P.Y Cr.) çkes xulsçk rmkõþwhexeí Yk. 4,45,36,35,331 (Yk fhkuz ÃkkA k ð»kolke) Of e advances amount due from individuals Rs. 1,97,33,17,093 (P.Y Cr.) WÃkhLkk rlkšëü rähký Ãkife ÔÞrfík ÃkkMku Yk. 1,97,33,17,093 (Yk fhkuz ÃkkA k ð»kolke) Of e advances amount overdue Rs. 11,47,56,316 (P.Y Cr.) {wëíkðeíke hf{ Yk. 11,47,56,316 (Yk fhkuz ÃkkA k ð»kolke) Considered bad and doubtful of recovery Rs. 54,38,646 (P.Y Cr.) ytëksík ¾hkçk ylku þf{të Yk. 54,38,646 (Yk fhkuz ÃkkA k ð»kolke) 63,56,71,89,349 36,56,62,58,263 41

46 THE KALUPUR COMMERCIAL CO-OP. BANK LTD Rs. CAPITAL AND LIABILITIES - ¼tzku íkúkk Ëuðwt BALANCE SHEET íkk Lkk Rs Rs. 77,05,36,99,950 82,75,68,91,502 a) Govt. and oer approved securities Mkhfkhe ylku çkes {klþ ò{elkøkeheyku b) Oer tangible securities xulsçk MkeõÞwhexeÍ B) Medium Term Loans Of which secured against {æþ{ {wëíklke kulk su Ãkife Lke[u {wsçklkk íkkhý Mkk{u a) Government and oer approved securities Mkhfkhe ylku çkes {klþ ò{elkøkeheyku b) Oer tangible securities xulsçk MkeõÞwhexeÍ C) Long Term Loans Of which secured against a) Government and oer approved securities Mkhfkhe ylku çkes {klþ ò{elkøkeheyku b) Oer tangible securities xulsçk MkeõÞwhexeÍ 2. From e State Bank of India - Mxux çkuf ykuv RÂLzÞk ÃkkMkuÚke A) Short term loanscash credit and overdrafts Of which secured against xqtfe {wëíklke kulk, fuþ urzx ylku ykuðhzùk^x Ãkife a) Government and oer approved securities Mkhfkhe ylku çkes {klþ ò{elkøkeheyku b) Oer tangible securities xulsçk MkeõÞwhexeÍ B) Medium Term Loans Of which secured against {æþ{ {wëíklke kulk su Ãkife Lke[u {wsçklkk íkkhý Mkk{u a) Government and oer approved securities Mkhfkhe ylku çkes {klþ ò{elkøkeheyku b) Oer tangible securities xulsçk MkeõÞwhexeÍ C) Long Term Loans Of which secured against ktçke {wëíklke kulk a) Government and oer approved securities Mkhfkhe ylku çkes {klþ ò{elkøkeheyku b) Oer tangible securities xulsçk MkeõÞwhexeÍ 3. From e State Government hkßþ Mkhfkh ÃkkMkuÚke A) Short Term Loans xqtfe {wëíklke kulk Ãkife Of which secured against a) Government and oer approved securities Mkhfkhe ylku çkes {klþ ò{elkøkeheyku b) Oer tangible securities xulsçk MkeõÞwhexeÍ 42 77,05,36,99,950 82,75,68,91,502

47 49 Annual Report AS AT hkuslkwt MkhðiÞwt Rs. PROPERTIES AND ASSETS - r{ fík íkúkk uýwt Rs Rs. 63,56,71,89,349 13,79,69,19,948 3) Long Term Loans - ktçke {wëíklke kulk si Ãkife 17,61,46,83,829 Of which secured against Lke[u {wsçklkk íkkhý Mkk{u a) Government and oer approved securities Rs. 10,13,466 (P.Y Cr.) Mkhfkhe ylku çkes {klþ ò{elkøkeheyku Yk. 10,13,466 (Yk f uz ÃkkA k ð»kolke) b) Oer tangible securities Rs. 17,61,36,70,363 (P.Y Cr.) çkes xulsçk rmkõþwhexeí Yk. 17,61,36,70,363 (Yk fhkuz ÃkkA k ð»kolke) Of e advances amount due from individuals Rs. 9,17,01,42,010 ( P.Y Cr.) WÃkhLkk rlkšëü rähký Ãkife ÔÞrfík ÃkkMku Yk. 9,17,01,42,010 (Yk fhkuz ÃkkA k ð»kolke) Of e advances amount overdue Rs. 22,21,64,700 (P.Y Cr.) {wëíkðeíke hf{ Yk. 22,21,64,700 (Yk fhkuz ÃkkA k ð»kolke) Considered bad and doubtful of recovery Rs. 14,23,754 (P.Y Cr.) ytëksík ¾hkçk ylku þf{të Yk. 14,23,754 (Yk fhkuz ÃkkA k ð»kolke) 36,56,62,58,263 39,03,39,42,218 46,76,80,29,325 1,45,70,09, Interest Receivable - { ðkãkkºk ÔÞks : 1,52,24,44,891 Of which overdue considered bad and doubtful of recovery Rs. 82,03,20,743 (P.Y. Rs. 78,61,43,165) (as per contra) su Ãkife {wëíkðeíke ÔÞksLke hf{ Yk. 82,03,20,743 (Yk. 78,61,43,165 fhkuz ÃkkA k ð»kolke) (Mkk{u ËþkoÔÞk {wsçk) ytëks ¾hkçk ylku þf{të. 4,17,17,69, Bills Receivable being - çkeõmk hemkeðuçk ¾kíku : 7,42,11,98,705 bills for collection (as per contra) (Mkk{u ËþkoÔÞk {wsçk) 0 9. Branch Adjustments - þk¾kyku ¾kíku (yuzsmx{ulx) 0 82,99,28,87,878 92,27,79,31,184 43

48 THE KALUPUR COMMERCIAL CO-OP. BANK LTD Rs. CAPITAL AND LIABILITIES - ¼tzku íkúkk Ëuðwt BALANCE SHEET íkk Lkk Rs Rs. 77,05,36,99,950 B) Medium Term Loans {æþ{ {wëíklke kulk Ãkife a) Government and oer approved securities Mkhfkhe ylku çkes {klþ ò{elkøkeheyku b) Oer tangible securities xulsçk MkeõÞwhexeÍ 82,75,68,91,502 C) Long Term Loans Of which secured against ktçke {wëíklke kulk Ãkife a) Government and oer approved securities Mkhfkhe ylku çkes {klþ ò{elkøkeheyku b) Oer tangible securities xulsçk MkeõÞwhexeÍ 4) Loans from oer sources - ylþ MkkÄLkkuÚke eäu kulk (Sources and securities to be specified) (MkkÄLk ylku ò{elkøkehe çkíkkððe) Of which secured against 4,17,17,69, Bills for collection being bills receivable (as per contra) 7,42,11,98,705 çkeõmk Vkuh f uõþlk : (Mkk{u ËþkoÔÞk {wsçk) 0 7. Branch Adjustments 0 þk¾kyku ¾kíku (yuzsumx{ulx) 80,19,97, Overdue Interest Reserve (as per contra) 85,07,54,001 {wëík çknkhlkk ÔÞks {kxu ylkk{ík : (Mkk{u ËþkoÔÞk {wsçk) 23,74,88, Interest Payable - [qfððkãkkºk ÔÞks 10,20,57, Oer Liabilities - ylþ sðkçkëkheyku 15,00,66,449 1) Bills Payable - çkeõmk Ãkuyuçk 17,19,34,279 30,550 2) Share Application Money - þuh yuã efuþlk {Lke 6,300 1,28,74,864 3) Unclaimed Dividend - rzrðzlz ykãkðklkwt çkkfe 1,18,57,065 53,39,70,613 4) Sundries (wi clearing adjustments) - Ãkh[whý (õ eþhªøk nkwmk Mkrník) 83,00,81,279 1,69,57,129 5) Staff Bonus - MxkV çkkulkmk 1,76,86,546 5,11,19,618 6) Education Fund - rþûký Vk k 5,94,26,425 1,75,51,00,000 9) Income Tax Provision - ELf{xuûk «kuðeílk 1,22,68,00,000 10,75,91,310 8) Deferred Tax Liability - ze^zo xuûk kþkçke exeí 11,94,09,291 2,62,77,10,533 2,43,72,01,185 84,89,26,65,298 93,56,81,03,310 44

49 49 Annual Report AS AT hkuslkwt MkhðiÞwt Rs. PROPERTIES AND ASSETS - r{ fík íkúkk uýwt Rs Rs. 82,99,28,87,878 92,27,79,31,184 60,62,31, Premises / Building (Less : Depreciation) 58,49,14,852 MÚkkðh r{õfík : (½Mkkhk çkkë) Capital work in Progress - fuãkex ðfo ELk «kuøkúumk 1,83,76, Furniture Fixture & Oer Fixed Assets (Less : Depreciation) hk[hmke wt, szíkh íkúkk ylþ MÚkkðh ymfþk{fíkku (½Mkkhk çkkë) 14,40,94,964 (I) Furniture & Fixture 14,81,59,679 hk[h[e wt íkúkk szíkh 6,64,65,306 (ii) Safe Deposit Vault 5,93,64,522 kufh 38,25,787 (iii) Vehicles 62,10,507 ðknlkku 4,27,03,331 (iv) I.T Equipments 5,03,25,394 yke.xe. MkkÄLkku 14,70,000 (iv) Solar Power Plant 21,12,134 Mkku h Ãkkðh à klx 25,85,59,388 26,61,72, Oer Assets (to be specified) - ylþ ymfþk{íkku : 7,02,66,219 1) Stationery Stocks & Postal Stamps 8,35,16,306 MxuþLkhe íkúkk ÃkkuMx MxuBÃkMk 11,70,65,034 2) Oer Deposits 12,71,15,900 ylþ rzãkkuíexku 6,64,74,484 3) Sundries (wi clearing adjustments) 13,29,66,702 Ãkh[whý (õ eþhªøk nkwmk Mkrník) 1,88,36,07,813 4) Advance Income Tax & TDS 1,30,43,26,124 yuzðklmk ELf{xuûk íkúkk xe.ze.yumk. 2,13,74,13,550 1,64,79,25, Non banking assets acquired - in satisfaction of claims Ëkðkyku Ãkuxu «kó fhu e ymfþk{íkku 15. Profit & Loss Account - LkVk - LkwõþkLk ¾kíku 85,99,50,92,033 94,79,53,20,033 45

50 THE KALUPUR COMMERCIAL CO-OP. BANK LTD Rs. CAPITAL AND LIABILITIES - ¼tzku íkúkk Ëuðwt BALANCE SHEET íkk Lkk Rs Rs. 84,89,26,65, Profit & Loss Account - LkVk - LkwõþkLk ¾kíkw : 93,56,81,03,310 85,82,44,568 Profit as per last Balance Sheet 1,10,24,26,735 økþk ð»kolkk MkhðiÞk {wsçk LkVku 85,82,44,568 Less : Appropriation 1,10,24,26,735 çkkë : Vk ðýe 1,10,24,26,735 Add : Profit for e year brought from e 1,22,72,16,723 1,22,72,16,723 Profit and Loss Account W{uhku : [k w Mkk Lkk LkVk-íkkuxkLkk rnmkkçk {wsçk LkVku 12. Contingent Liabilities - ykfâm{f sðkçkëkheyku : 1) Outstanding liabilities for L/C, Guarantees issued ykãku e yu.mke. ylku økuhtxeyku Mkk{u Rs. 6,41,22,36,843 ( P.Y. Rs Cr.) Yk. 6,41,22,36,843 (Yk fhkuz ÃkkA k ð»kolke) 2) Forward Contracts (Forex) Rs. 32,63,96,38,000 (P.Y. Rs Cr.) Vkuhðzo fkulxùuõx (Vkuhuûk) Yk. 32,63,96,38,000 (ÃkkA k ð»kolke Yk fhkuz) 2) Liabilities of DEAF Rs. 7,62,85,002 (P.Y. Rs Cr.) Yk. 7,62,85,002 (ÃkkA k ð»kolke Yk fhkuz) 85,99,50,92,033 94,79,53,20,033 Significant Accounting Policies & Notes on Accounts Schedule - I Vinod G. Dadlani General Manager & CEO Navnitbhai Chimanlal Patel Chairman Date : Place : Ahmedabad Subject to our report of even date FOR, R. S. PATEL & CO. Chartered Accountants FRN No W RAJAN B. SHAH Partner Membership No Date : Place : Ahmedabad 46

51 49 Annual Report AS AT hkuslkwt MkhðiÞwt Rs. PROPERTIES AND ASSETS - r{ fík íkúkk uýwt Rs Rs. 85,99,50,92,033 94,79,53,20,033 85,99,50,92,033 94,79,53,20,033 Mineshbhai Jashbhai Patel Vice Chairman Percy Faramroj Bharucha Managing Director Directors Shri Ambubhai Maganbhai Patel Shri Hasmukhbhai Gopaldas Patel Shri Dr. Dineshbhai Manibhai Amin Shri Ambarbhai Jayantilal Patel Shri Bipinchandra Ratilal Shah Shri Shaileshbhai Valjibhai Sonara Shri Kiritbhai Rambhai Patel Smt. Purviben Anantanand Pokharial Shri Kaushikbhai Nandubhai Patel (CA) Smt. Madhviben Tusharbhai Patel 47

52 THE KALUPUR COMMERCIAL CO-OP. BANK LTD Rs. EXPENDITURE - ¾[o PROFIT AND LOSS ACCOUNT FOR íkk Lkk hkus Ãkwhk Úkíkk Rs Rs. 3,96,10,31,776 1) Interest on deposits, borrowings, etc. - ÚkkÃkýku ylku fhs WÃkh ÔÞks 3,84,85,75,877 49,59,18,885 2) Salaries and Allowances, Provident Fund & Bonus etc. - Ãkøkkh, ¼ÚÚkk, «ku. Ãktz íkúkk çkkulkmk ðøkuhu 56,88,75,799 3) Directors & Local Committee Members' Fees & allowances - rzhuõxmko, ylku MÚkkrLkf fr{xelkk MkÇÞkuLke Ve íkúkk ¼ÚÚkk 12,58,13,396 4) Rent,T axes, Insurance, Lighting etc. - ¼kzwt, fhðuhk, ðe{ku, ðes e rðøkuhu 13,27,93,430 11,70,292 5) Legal Fees - eøk Ve 25,62,968 1,85,91,872 6) Postage, Telegram & Telephone Charges - íkkh, xãkk ylku xur VkuLk [ksomk 2,05,13,055 64,30,586 7) Audit Fees - ykurzx Ve 60,47,142 12,20,78,189 8) Depreciation on and repairs to Property - ½Mkkhku ylku r{ fík {hk{ík 11,70,22,642 1,77,26,008 9) Stationery, Printing & Advertisement, etc. - MxuþLkhe, AkÃkfk{, ònuh¾çkh ðøkuhu 1,98,93,569 19,60,93,604 10) Oer Expenditure - ylþ ¾[o 21,10,55,893 2,68,76,952 11) Amortization of Goodwill - yu{kuhxkeíuþlk ykuv økwzðe 0 1,08,50,710 12) Provision for Stamp Franking Fraud- MxuBÃk u føk kuzlkwt «kurðílk ) Contigency Provision Aga. Std. Assets - MxkLzzo yumkuxlkwt «kurðílk 3,00,00, ) Bad Debt Written off - çkuz zuçx hexlko ykuv 1,54,43,389 5,70,00,000 15) Special Reserve - MÃkuþeÞ heíðo 6,26,00,000 16,27,25,035 16) Bad & Doubtful Debt Provision U/S 36(1) (viia) of I.T Act.1961 ( 2014) 19,57,08,273 «kurðílk Vkuh çkuz ylku zkwxvq zuçx U/S 36(1) (viia) yuv.yke.xe. yuõx 1961 (2014) 59,74,00,000 17) Income Tax Provision (Including Deffered Tax Liabilities Rs. 1,18,17,981/- ) 67,78,17,981 (P.Y.Inciuding Deffered Tax Liabilities Rs.3,66,00,000/-) ELf{xuûk «kurðílk (W{uhku: rz^zo xuûk kþuçke exe Yk. 1,18,17,981 [k w Mkk u) (rz^zo xuûk kþuçke exe Yk. 3,66,00,000 ÃkkA k ð»kolke) 1,10,24,26,735 18) Profit carried forward to Balance Sheet - LkVku su MkhðiÞk{kt E økþk 1,22,72,16,723 6,90,21,34,040 7,13,61,26,741 Significant Accounting Policies & Notes on Accounts Schedule - I Vinod G. Dadlani General Manager & CEO Navnitbhai Chimanlal Patel Chairman 48 Date : Place : Ahmedabad Subject to our report of even date FOR, R. S. PATEL & CO. Chartered Accountants FRN No W RAJAN B. SHAH Partner Membership No Date : Place : Ahmedabad

53 49 Annual Report THE YEAR ENDED ð»kolkwt LkVk-LkwõþkLk ¾kíkwt Rs. INCOME - ykðf Rs Rs. 6,36,97,01,289 1) Interest & Discount - ÔÞks ylku ðxkð 6,53,17,07,371 (Of which Interest from Investment Rs. 2,56,88,74,029/-) ( P.Y. Rs. 2,22,01,66,650/-) (su Ãkife hfkýku Mkk{u { u ÔÞks Yk. 2,56,88,74,029/-) (Yk. 2,22,01,66,650/- ÃkkA k ð»kolke) 10,60,00,745 2) Commission Exchange & Brokerage - f{eþlk, ðxkð ylku Ë k e 12,89,06,314 3) Subsidies & Donations - MkçkMkeze ylku zkulkuþlk 4) Income from non banking assets and profit from sale or dealing wi such assets LkkuLk çkufªøk ymfþk{íkkulkk ðu[ký yøkh nuhvuhúke ÚkÞu ykðf 40,35,92,169 5) Oer Receipts - çkes ykðf 43,26,06,447 1,17,48,805 6) Profit on Sale of assets (Net of loss) - ymfþk{íkkulkk ðu[kýúke ÚkÞu LkVku 1,37,76,514 1,10,91,032 7) Prudential W/O Recovery - «wzulþeþ hkex ykuv hefðhe 1,36,86, ) Provision of Bad Debts Written Back 1,54,43,389 çkuz zuçx hexlko çkuf 0 9) Loss (if any) 0 6,90,21,34,040 7,13,61,26,741 Mineshbhai Jashbhai Patel Vice Chairman Percy Faramroj Bharucha Managing Director Directors Shri Ambubhai Maganbhai Patel Shri Hasmukhbhai Gopaldas Patel Shri Dr. Dineshbhai Manibhai Amin Shri Ambarbhai Jayantilal Patel Shri Bipinchandra Ratilal Shah Shri Shaileshbhai Valjibhai Sonara Shri Kiritbhai Rambhai Patel Smt. Purviben Anantanand Pokharial Shri Kaushikbhai Nandubhai Patel (CA) Smt. Madhviben Tusharbhai Patel 49

54 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. SCHEDULE - I NOTES FORMING PART OF BALANCE SHEET & PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED (A) SIGNIFICANT ACCOUNTING POLICIES : 1. ACCOUNTING CONVENTION The financial statements are prepared by following e going concern concept on historical cost basis unless oerwise stated and conform to statutory provisions and practices prevailing in India.These Statements confirm wi e applicable statutory provision, accounting standards (AS) issued by The Institute of Chartered Accountants of India and generally accepted Accounting principles prevalent in e banking industries in India and regulatory norms/guidelines prescribed by Reserve bank of India and Banking Regulation Act,1949 and Multi-State Co operative Societies Act, USE OF ESTIMATES : The preparation of financial statements in conformity wi generally accepted accounting principles requires management to make estimates and assumptions at affect e reported amounts of assets and liabilities and disclosure of contingent liabilities at e date of e financial statements and e results of operations during e reporting period end. Alough ese estimates are based upon management's best knowledge of current events and actions, actual results could differ from ese estimates. 3. ADVANCES : (a) In terms of guidelines issued by e RBI, advances to borrowers are classified into Performing or Non- Performing assets based on recovery of principal / interest. Non-Performing Assets (NPAs) are furer classified as Sub-Standard, Doubtful and Loss Assets. (b) Provision for Standard Assets is made at e flat rate of 1%. (c) N.P.A. Provision : Provisions for losses made on non performing advances are on e basis of assets classification and provisioning requirement as per e prudential norms prescribed by e Reserve Bank of India and revised from time to time as under: i) Substandard = 10% II) Doubtful = 100% of unsecured portion plus iii) Loss Assets = 100% 20%/30%/100% of e secured portion depending on e period for which e advances has remained doubtful. (d) Additional Provisions carried in accounts over and above requirements under e prudential norms prescribed by e Reserve Bank of India, which can be considered as earmarked reserve is as follows. i. Bad & Doubtful Debts Provision u/s 36 (1) (viia) ii. Bad & Doubtful Debts Reserve (e) The overdue interest in respect of advances is provided separately under Overdue Interest Reserve as per e directive issued by e Reserve Bank of India. 4. Property Plant and Equipment: a) Property plant and equipment are stated at eir historical cost less accumulated depreciation. Cost includes incidental expenses incurred on acquisition of assets. b) Premises and oer assets (including land wherever e cost of land is not segregated) are depreciated on written down value meod at e following rates. 50

55 49 Annual Report Sr. No. Particulars Rate of Depreciation 1. Building 5 % 2. Furniture Fixtures A. General 15 % B. Electric Items 25 % 3. Electric Fittings 20 % 4. Motor Vehicles 20 % 5. Lifts 25 % 6. A.C. Plant 25 % 7. Safe deposit vault 15 % c) Depreciation on I.T. equipments & Software is 33.33% on straight-line meod as per RBI guidelines. d) Depreciation on Property, plant and equipments purchased during e year is charged for e entire year if e assets are purchased and retained for 180 days or more. Oerwise it is charged at 50% of e normal rate. No Depreciation is charged on Property, Plant and equipments sold during e year. 5. INVESTMENTS: (a) The entire Investment portfolio of e bank is classified, in accordance wi e Reserve Bank of India guidelines, into ree categories: I. Held to maturity comprising of Investments acquired wi e intention to hold em till maturity. II. III. Held for trading comprising of investments acquired wi e intention to trade. Available for sale comprising of investments, which are not classified in above two categories. (b) Investments are furer categorised as : i) Central & State Government Securities ii) iii) iv) Approved Trustee Securities Shares of Co-operative Banks Shares v) Oer Investments (P.S.U. & A.F.I. Bonds) vi) Debt/Money Market Liquid Fund Investments (c) (d) (e) (f) (g) (h) (i) (j) Investments classified as Held to maturity are carried at acquisition cost unless it is more an face value, in which case e premium is amortized over e period remaining to maturity. Investments classified as Held for Trading and Available for Sale are marked to market scrip wise and e resultant depreciation is recognized in profit & loss account. Net appreciation is ignored. Treasury Bills under all e classifications are shown at carrying cost. Profit or loss on sale of investments held for trading and available for sale is taken to e profit and loss account. Broken Period Interest on debt instrument is treated as a revenue item, brokerage, Commission etc. pertaining to investments paid at e time of acquisition is charged to revenue. Shifting from Held for Trading (HFT) category to Available for Sale (AFS) category is done at e Acquisition Cost or Book Value or Market Value on e date of transfer, whichever is e least, and e depreciation, if any, on such transfer is provided. Valuation of central and state government securities, PSU bonds are done as per RBI guidelines at timely interval. Shares of co-operative Banks and oer shares of company s are stated at cost..mutual Funds are valued at cost or Net asset value whichever is less. The securities sold and purchased under e REPO/ Reverse Repo are accounted for as a collaterised borrowing/ Lending transactions and are accounted for as per RBI circular in is regard. 51

56 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. 6. REVENUE RECOGNITION Income/Expenditure are accounted on accrual basis except e following, which are accounted for on cash basis. (a) Income: i. Interest and oer income on Non Performing Assets are recognized as per RBI guidelines. ii. PMJBY commission is recognized on receipt basis. 7. EMPLOYEE BENEFITS: I. Short Terms Employment Benefits II. III. IV. The undiscounted amount of short term employee benefits expected to be paid in exchange for services rendered by employees is recognized during e period when e employee renders e services. Post Employment Benefit Plans a. Defined Contribution Plans: The Bank has Defined Contribution Plans for post employment benefits, charged to Profit & Loss Account, in form of: - Provident Fund / Employee s Pension Fund administered by e Regional Provident Fund Commissioner. b. Defined Benefit Plans : Funded Plan : The Bank has Defined Benefit Plan for post employment benefit in e form of Gratuity for all employees administered rough Trust, funded wi Life Insurance Corporation of India. - Liability for e above is provided on e basis of Actuarial valuation, as at e Balance Sheet date. The Actuarial meod used for measuring e liability is e Projected Unit Credit Meod. Long Term Employment Benefits The liability in respect of Compensated Absences which are expected to be availed or encashed beyond 12 mons from e end of e year is treated as long term employment benefits. The Bank's liability is actuarially determined using e Projected Unit Credit meod at balance sheet date & funded wi Life Insurance Corporation of India. The Actuarial gains and losses arising during e year are recognized in e Profit & Loss account for e year. 8. ACCOUNTING FOR AMALGAMATION Accounting for Amalgamation in case of amalgamated Banks wi e Bank is carried out as per e guidelines issued by e RBI, from time to time. 9. ACCOUNTING FOR TAXES ON INCOME : Current year tax is determined as e amount of tax payable in respect of taxable income for e year. Deferred tax is recognized on timing difference between e accounting income and tax income at originate in one period and are capable of reversal in one or more subsequent periods. Break up of Deferred Tax Liability (Net) as on is as under (Rs. in Lacs) Particulars Deferred tax Current year Deferred tax (Liability) / (Charge)/ Credit (Liability) / Asset as on to profit and Assets as on 31/03/2018 loss account 31/03/2019 Difference between book depreciation and depreciation as per income tax (Including Goodwill) Special Reserve u/s 36(1)(viii) of Income Tax Act, 1961 Gratuity & Leave Encashment Disallowance u/s 40(1)(ia) Deferred Tax Liability (Net)

57 49 Annual Report FOREIGN CURRENCY TRANSACTIONS: 1. Foreign currency transactions are recorded on initial recognition in e reporting currency by applying to e foreign currency amount of e exchange rate between e reporting currency and e foreign currency on e date of e transaction. 2. Foreign currency monetary items are reported using e Foreign Exchange Dealers Association of India (FEDAI) closing spot rates and exchange difference arising on e same is recognized in profit and loss account. 3. Contingent liabilities denominated in foreign currency are reported using e FEDAI closing spot rates. 4. Outstanding foreign exchange spot and forward contracts held for trading are revalued at e exchange rates notified by FEDAI for specified maturities and e resulting profit or loss is included in e profit and loss account. 5. Exchange difference arising on e settlement of monetary items at rates different from ose at which ey were initially recorded are recognized as income or expense in e period in which ey arise. 11. EVENTS OCCURING AFTER THE BALANCE SHEET DATE Material adjusting events (at provides evidence of condition at existed at e balance sheet date) occurring after e balance sheet date are recognized in e financial statements. Non adjusting events (at are indicative of conditions at arose subsequent to e balance sheet date) occurring after e balance sheet date at represents material change and commitment affecting e financial position are disclosed in e reports of e Board of Directors. 12. PROVISION Provisions involving substantial degree of estimation in measurement are recognized when ere is a present obligation as a result of past events and it is probable at ere will be an outflow of resources even ough e amount cannot be determined wi certainty and represents only a best estimate in e light of available information. Contingent liabilities are not recognized but are disclosed in e notes. Contingent assets are neier recognized nor disclosed in e financial statements. 13. Impairment of Assets: A substantial portion of e bank's assets comprise of `financial assets` to which Accounting standard 28 Impairment of assets is not applicable. In respect of assets to which Standard applies, in e opinion of e management, ere are no indications, internal or external, which could have e effect of impairing e value of e assets to any material extent as at 31st March, 2019 requiring recognition in terms of e said standard. 14. Cash and Cash Equivalents: Cash and cash equivalents include cash on hand and in ATM, balances wi Reserve Bank of India, State Co. Op. Bank, District Co. Op. Bank & Balances wi oer banks in current account. (B) NOTES ON ACCOUNTS : 1. The Bank continues to be registered under Multi-State Co-op. Societies Act 1984 (as amended from time to time) since on obtaining such registration. The bank has ereafter preferred to cancel e registration under Gujarat State Co-operative Societies Act effectively from The bank is having shareholders as on No shareholder is holding more an 2.5% of e total shareholding of e bank. 53

58 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. 2. Under normal business transactions e bank has sanctioned loans to e members of e board of Directors aggregating to Rs Lacs (Previous Year Lacs) The aggregate balance outstanding as at is Rs Lacs (Previous Year Rs Lacs). All advances are in e nature of overdraft against fixed deposit and are as per RBI Guidelines. 3 Provision for Non-Performing Assets Particulars Bad & Doubtful Debts Reserves & Bad & Doubtful Debts Provision u/s 36 (1) (viia) Balance as on Less: Provision required Excess Provision held (Rs. in Lacs) 4. Previous year figures have been regrouped / rearranged to e extent necessary / practicable. 5. Estimated amount of contracts remaining to be executed on capital account & not provided for (Net of Advances): C.Y. Rs lacs (P.Y. Rs lacs). 6. Contingent Liabilities (Rs. in Lacs) Sr. No. Particulars A Contingent liabilities in respect of Bank guarantees, Letters of credit, Forward contracts etc. 1 Bank Guarantee & Letter of Credit (including Buyers Credit) Forward Contract (Forex) B Claims not acknowledge as Debt 1 Income Tax Assessment order contested Above Income Tax demand comprises of disputed cases where Bank has filed appeals against e demand and is confident to get favorable judgment. In terms of DBOD circular No. DEAF Cell.BC.114/ / dated May 27,2014, e Bank has transferred credit balances amounting to Rs lakhs(previous year: lakhs)(mentioned in sub-clause 1)to viii) in clause 3 of DEAF Scheme 2014) maintained wi e bank which have not been in operation for 10years or more. The required disclosure as per e said circular is as under: (Rs. in Lacs) Particulars Opening balance of amount transferred to DEAF Add : Amount transferred to DEAF during e year Less : Amount reimbursed by DEAF towards claims Closing balance of amount transferred to DEAF Bank has paid DICGC premium of 3,75,75,966/- (including GSTof Rs.57,31,927/-) for half year ending 31st March, 2019 insuring deposits of Rs crores. 8. Employees Benefits In accordance wi Accounting Standard (AS 15) Employees Benefits (Revised 2005), issued by e Institute of Chartered Accountants of India, e obligation of e bank, on account of employee benefit, based on independent actuarial valuation is accounted for in e books of account. 54

59 49 Annual Report The Bank has classified e various benefits provided to employees as under : (I) Defined Contribution Plans : Provident Fund / Employees' Pension Fund During e year, e bank has recognized e following amounts in e Profit & Loss Account (Rs. In Lacs) Employer s Contribution to Provident Fund (181.98) Employers Contribution to Pension fund (111.58) The above amounts are included in salaries allowances & Provident Funds in e Profit & Loss Accounts. (II) Defined Benefit Plans: (i) Contribution to Gratuity Fund (ii) Contribution to leave encashment liability. In accordance wi Accounting Standard 15, relevant disclosures are as under. (A) Changes in Defined Benefit Obligation (i) Gratuity (Rs. In Lacs) Particulars Defined Benefit Obligation as at e beginning of e year Current Service Cost Interest Cost Benefit Paid Plan Amendment Past service Cost Actuarial (gain) / loss on Obligations Defined Benefit Obligation as at e end of e year (ii) Leave Encashment (Rs. In Lacs) Particulars Defined Benefit Obligation as at e beginning of e year Current Service Cost Interest Cost Benefit Paid Actuarial (gain) / loss on Obligations Defined Benefit Obligation as at e end of e year (B) Changes in e Fair Value of Plan Assets (Funded Scheme) (i) Gratuity (Rs. In Lacs) Particulars Fair Value of Plan as at e beginning of e year Expected Actual Return on plan Assets Actuarial Gains/(Losses) Contributions Benefit Paid Fair Value of Plan Assets as at e end of e year

60 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. (ii) Leave Encashment (Rs. In Lacs) Particulars Fair Value of Plan as at e beginning of e year Expected Actual Return on plan Assets Actuarial Gains/(Losses) Contributions Benefit Paid Fair Value of Plan Assets as at e end of e year (C) Amount recognized in e Balance Sheet: (i) Gratuity (Rs. In Lacs) Particulars Defined Benefit Obligation as at e end of e year Fair Value of Plan Assets as at e end of e year Liability / (Asset) recognized in e Balance Sheet included in oer liabilities and oer assets respectively. (234.75) (260.14) (ii) Leave Encashment (Rs. In Lacs) Particulars Defined Benefit Obligation as at e end of e year Fair Value of Plan Assets as at e end of e year Liability / (Asset) recognized in e Balance Sheet included in oer liabilities and oer assets respectively (D) Expenses recognized in e Profit & Loss Account: (i) Gratuity (Rs. In Lacs) Particulars Current Service Cost Interest Cost Plan Amendment Past Service Cost Expected Return on Plan Assets Net actuarial (gain)/ Loss recognized in e period Total Expenses recognized in e P&L Account (ii) Leave Encashment (Rs. In Lacs) Particulars Current Service Cost Interest Cost Expected Return on Plan Assets Net actuarial (gain)/ Loss recognized in e period Total Expenses recognized in e P&L Account

61 49 Annual Report (E) Category of Plan Assets: The Bank's plan Assets in respect of Gratuity & Leave encashment are funded rough e Scheme of e Life Insurance Corporation of India. (F) Actuarial Assumptions In accordance wi Accounting Standard 15, actuarial valuation as at year end of e year was performed in respect of e aforesaid Defined Benefit Plans based on e following assumptions. Particulars Gratuity Leave Gratuity Leave [Funded Encashment [Funded Encashment Scheme] [Funded Scheme] [Funded Scheme] Scheme] a) Discount rate ( per annum) 7.40% 7.40% 7.6.% 7.60% b) Rate of Return on Plan Assets 7.60% 7.60% 7.40% 7.40% c) Expected Retirement age of employees 58years 58 Years 58years 58 years d) Annual increase in Salary Cost 10% 10% 10% 10% e) Mortality rates considered are as per e published rates in e Life Insurance Corporation ( ) Mortality table. f) The estimates of future salary increases are considered in e actuarial valuation, taken on account of inflation, security, promotion and oer relevant factors such as supply and demand in e employment market. 9. The Bank is a Co-operative society under e Multi State Co-operative Society Act, 2002 and ere are no related party requiring disclosure under e AS-18 issued by e ICAI, oer an one Key Management Personnel, viz. Mr. Vinod G. Dadlani, General Manager & CEO of e Bank. However, having regard to e RBI circular No.DBOD.BP.BC.89/ / dated March 29, 2003, he being single party coming under e category, no furer details ereon are required to be disclosed. 10. As per Accounting Standard 17 issued by The Institute of Chartered Accountant of India for e segment reporting e operation areas of bank is separated in to segments, which is as follows. 1. Types of products & services in each business segment :- i) Treasury : Dealing operations in money market Instruments ii) Oer Banking Operations: Local Finance / Services. 2. Secondary Segment Information : Bank Caters mainly to e needs of Indian customers; hence separate information regarding secondary segment i.e. Geographical Segment is not given. 3. Allocation of common cost: To e extent e cost can be directly identified ey are allocated to related segment, oer common cost are allocated on reasonable basis. 4. Unallocated Items: Unallocated items include general banking items which are not allocated to any business segment. 57

62 THE KALUPUR COMMERCIAL CO-OP. BANK LTD Particulars Treasury Oer Total Treasury Oer Total Banking Banking Operations Operations Segment Revenue Unallocated Revenue Less : (Rs. in Lakhs) Segment Expenses Segment Profit INCOME TAX NET PROFIT Segment Assets Unallocated Assets Total Assets Segment Liabilities Unallocated Liabilities Total Liabilities Capital Employed (Segment Assets Segment Liabilities) Unallocated Total Capital Employed Details of Computer Software oer an internally generated (AS-26) (Rs. In Lacs) Particulars As on As on Opening Balance (at cost) as on 1st April Add : Addition during e year Less : Deduction during e year Sub-Total (A) Less : Amortisation made : Opening Balance Add : Amortisation during e year Less : Deduction during e year Sub-Total (B) Net carrying amount as on 31st March Details of Goodwill & its amortization (Rs. In Lacs) Particulars As on As on st Opening Balance (at cost) as on 1 April Add : Addition during e year Sub-Total (A) Lees : Amortisation made : Opening Balance Add : Amortisation during e year Sub-Total (B) st Net carrying amount as on 31 March

63 49 Annual Report Disclosure of various information as required by RBI circular no UBD CO.BPD.(PCB) CIR. No. 52/ / dated is as under: - (Rs. In Crores) Sr. Particulars As on As on No Movement of CRAR: (a) Tier I Capital 15.15% 15.29% (b) Tier II Capital 1.52% 1.44% Capital Adequacy Ratio (CRAR) (Total) 16.67% 16.73% 2 Investments: a) Book value of investments b) Face value of investments c) Market value of investments Advances against real estate, construction business Advances against housing Advances against shares & debentures Advances to directors, eir relatives, companies / firms in which ey are interested: a) Fund-based (Against Fixed Deposits) b) Non-fund based (Guarantees, L/C, etc.) Cost of Deposits :Average cost of deposits 5.96% 6.26% 8 Movement in NPAs a) Gross NPAs b) Gross NPAs to Gross Advances % 2.94% 1.81% c) Net NPAs d) Net NPAs to Net Advances % 0.00% 0.00% Movement in NPAs(Rs) a) Gross NPA at e beginning of e year Add: Addition during e year Less: reduction during e year At e end of e year b) Net NPA at e beginning of e year Add: Addition during e year Less: reduction during e year At e end of e year Profitability: a) Interest income as a percentage of working funds 7.55% 7.86% b) Non-interest income as a percentage of working funds 0.68% 0.66% c) Operating profit as a percentage of working funds 2.50% 2.37% d) Return on Assets 1.50% 1.40% e) Business (Deposits + Advances) per employee f) Profit per employee Provisions made towards NPAs, depreciation in investments, Standard Assets Movement in provisions: a) Towards NPAs b) Towards depreciation on investments c) Towards standard assets

64 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. 12 Foreign currency assets & liabilities: (i) Assets (ii) Liabilities Payment of DICGC Premium Penalty Impose by RBI Restructured Accounts Issuer Composition of Non SLR Investments and As per below As per below Non Performing Non SLR Investments 14. Disclosure of various information as required by RBI circular no UBD (PCB) BPD Cir No: 14 / / dated is as under :- 1. Issuer composition of NON SLR Investments Sr. Issuer Amount Extent of Extent of Extent of No. below investment unrated unlisted grade Securities securities securities 1 PSUs 26,19,50, (13,69,50,000 ) ( - ) ( - ) ( - ) 2 FI s 2,75,07,13, (2,25,10,85,000) ( - ) ( - ) ( - ) 3 Nationalized Banks 25,00,00, (25,00,00,000) ( - ) ( - ) ( - ) 4 Preference Shares of CCIL Ltd 14,00,00, ,00,00,000 (14,00,00,000) ( - ) ( - ) (14,00,00,000) 5. Shares of NPCI 24,99, ,99,200 (24,99,200) ( - ) ( - ) (24,99,200) 6 Debt / Money Market Liquid fund 230,00,00, ,00,00,000 (310,00,00,000) ( - ) ( - ) (310,00,00,000) 7 Share of Co operative Institutions 27,57, ,57,800 (27,57,800) ( - ) ( - ) (27,57,800) 8 Oers 9,64,23, (9,64,23,200) ( - ) - ( - ) 9 Provision held towards depreciation (26,50,000) ( - ) ( - ) ( - ) 2. Non Performing Non-SLR Investment (Rs. In Crores) Particulars Amount Opening balance NIL (NIL) Additions during e year since 1st April NIL (NIL) Reduction during e above period NIL (NIL) Closing balance NIL (NIL) 60 Total provision held NIL (NIL)

65 49 Annual Report Additional Information of Investments (Rs. In Crores) Particulars Classification of Investments Held to Maturity (HTM) Held for Trading (HFT) Available for sale (AFS) Total Investments Composition of Investments SLR Investments Central Govt. Securities State Govt.Securities Treasury Bills Non SLR Investments PSU Bonds DEBT/ Money Market Mutual Funds CCIL Preference Shares NPCI Shares Share of Co operative bank Total Investments Provisions for Depreciation in Value of Investments Held in Books (IFR+IDR) Erosion in Value of Investments (HTM+AFS) Excess/(Short) Provision There were no Repo/Reverse Repo Transactions during e year, oer an LAF based Reverse Repo Transaction. 16. No penalty has been imposed by RBI on e Bank during e year. 17. Disclosure regarding Market Risk in Trading Book [A] Qualitative Disclosures In Trading book e Bank holds "Held for Trading "(HFT) and "Available for Sale "(AFS) portfolios of investments. The rest of e assets i.e. Investments under Held to Maturity portfolio and advances - are treated as Banking Book. Given below is brief description of e Market Risk Management objectives and policies. (i) Strategies and Processes: Under Market Risk Management, Liquidity Risk, Interest Rate Risk and Foreign Exchange Risk, are monitored. Bank is currently not trading in commodities and Equities. Liquidity Risk ALM statement is scrutinized for monitoring Liquidity risk on a monly basis. Prudential limit for percentage of cumulative mismatch to cumulative outflow - based on Reserve Bank of India guidelines for e short-term buckets up to 28 days is monitored. Besides, prudential limits are in place for market borrowing Daily and average call borrowing Inter Bank Liabilities, Purchased funds etc. Interest Rate Risk Bank is analyzing Interest Rate sensitivity statement to assess e impact on Net interest income on monly basis. The Bank also uses duration gap analysis. Prudential limits have been fixed for duration of liabilities. Bank's investments portfolio is monitored on e basis of duration analysis. 61

66 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. Foreign Exchange Risk The Bank has fixed maximum daylight and overnight exposure for foreign exchange exposure in various currencies as per RBI guidelines. Bank is undertaking mostly merchant transactions & covering e same in e market. Also bank has fixed stop loss limits for monitoring e forex operations of e dealers. (ii) Scope and nature of risk reporting and / or measurement systems: In respect of domestic business e guidelines stipulated by RBI for managing Market Risk is followed such as Preparation of Interest Rate Sensitivity statement on a monly basis Duration analysis of investments in e Trading book on a daily basis. Various prudential measures have been put in respect of market borrowing and lending in conformity wi RBI guidelines for monitoring liquidity risk. Structural Liquidity statement is prepared on monly basis and Short Term Dynamic Liquidity statement on a fortnightly basis is generated and Dynamic liquidity is monitored. [B] Quantitative Disclosures Capital Charge (Rs. in Lacs) Interest Rate Risk Equity Position Risk --- Foreign Exchange Risk Suppliers / service providers covered under Micro, Small, Medium Enterprises Development Act, 2006, have not furnished e information regarding filing of necessary memorandum wi e appropriate auority. Therefore, information relating to cases of delays in payments to Micro and Small enterprise or of interest payments due to delays in such payments could not be given. 19. Figures are given in Amount in Rupees. For, R. S. Patel & Co. Chartered Accountants FRN: w Navnitbhai C. Patel Chairman Mineshbhai J. Patel Vice Chairman Rajan B. Shah Partner Membership No Percy F. Bharucha Managing Director Directors. Place: Ahmedabad Date: Vinod G. Dadlani General Manager & CEO Place: Ahmedabad Date:

67 49 Annual Report SCHEDULE - II (A) (B) (C) Cash Flow Statement for e Year Ended 31st March, 2019 (Rs. in '000) Cash Flow From operating activities Net Profit before Taxation and Extraordinary items: Adjustments for: i) Depreciation on Fixed Assets ii) Profit//loss on sale of Assets iii) Amortization Goodwill iv) Amortization of premium HTM v) Short/Excess Tax Provision Operating Profit before Working Capital Changes Adjustments for Increase/Decrease in: i) Advances ( ) ii) Oer Assets (121050) (117526) iii) Investments ( ) iv) Deposits & Oer Liabilities V) Fixed Deposit ( ) VI) Money at call short(reverse Repo) (39443) (924698) (823634) Cash Generated from Operations Direct Taxes paid (670314) (557853) Less: Refund Direct Taxes including (Net of Refund) (617784) (557853) Cash Flow before extraordiinary item Extra Ordinary Items 0 0 Net Cash Flow from operating activities Cash Flow from investing activities Purchase of Fixed Assets & Addition on account of Merger (net of sales) (98485) (68509) Goodwill on Merger Capital Reserve on Merger 0 0 Net cash from investing activities (98485) (68509) Cash Flow from Financing Activities Increase in Share Capital & Nominal Mem Dividend (122157) (99315) Payment for Charities/Donations (7855) (9449) Payment of Education Fund (2717) 0 Payment of Share Capital of Merged Bank (1998) 0 Provision for Stamp franking fraud Entrance fee& Nominal Fee Movement of Reserve Net Cash From financing activities (84706) (25669) Net Increase in cash and cash equivalents Cash & Cash equivalents as at (Opening) Cash & Cash equivalents as at (Closing) st We have examined e above cash flow statement of The Kalupur Commercial Co Op bank Ltd for e year ended 31 March, The statement has been prepared by e bank as per Accounting Standard-3 issued by ICAI and is in agreement wi e corresponding Profit & Loss Account and Balance Sheet of e Bank covered by our even dated report to e members of e Bank. Place: Ahmedabad Date: For, R. S. Patel & Co. Chartered Accountants FRN: w Rajan B. Shah Partner Membership No

68 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. þk¾k rðfkmk Mkr{ríkyku / Branch Development Committees þk¾k rðmíkkhlkk Mkk{kSf yøkúýe økúknfku{ktúke çkufu þk¾k rðfkmk Mkr{ríkykuLke h[lkk fhe Au. yk Mkr{ríkyku þk¾klkk økúknfkulkk «& ku - Mkq[LkkuLku Ëh çku {kmku { íke íku{lke r{xªøk{kt ðk[k ykãku Au ylku çkuflkk çkkuzo ykuv rzhuõxmkolku ÃknkU[kzu Au ylku rlkhkfhý þkuäðk{kt MknkÞYÃk çklku Au, ykðe Mkr{ríkykuLke h[lkkúke MÚkkrLkf Mknfkhe Lkuík]íð W¼wt ÚkkÞ Au. çkufªøk MkuðkykuLkk ÏÞk yk{ slkíkk MkwÄe ÃknkU[kzðk{kt MknkÞYÃk çklku Au. çkuflku ykðe yøkúøkûþ ÔÞÂõíkykuLkwt ÃkeXçk { u Au ylku çkuflke þk¾ ðäkhðk{kt Lk h ¼qr{fk ¼sðu Au. fk wãkwh þk¾k MÚkkÃkLkk : e f{ uþ¼kr «ký k þkn e h{uþfw{kh hk{feþlkëkmk òsw e «ýð¼ke rfhex¼ke Mkt½ðe e rlkhð¼ke {Þwh¼kE þkn e VuLke ¼kE su. Ãkxu - þk¾k {ulkush ¾ku¾hk {nu{ëkðkë þk¾k MÚkkÃkLkk : e nmk{w¾¼ke økkuãkk ËkMk Ãkxu e hksð¼kr Mkw¼k»k¼kR Xkfkuh e f{ uþ¼kr LktË k ¼kR þux e nu{tík¼kr sþðtík k Ãkhe¾ e çkehulk¼kr [elkw¼kr þkn e ÃkheLk S. {kuëe - þk¾k {ulkush çkkð k þk¾k MÚkkÃkLkk : e nmk{w¾¼kr økkuãkk ËkMk Ãkxu e hkurník¼kr ¼kuøke k Ãkxu e Mk{eh¼kR nmk{w¾¼kr Ãkxu e n»koë¼kr sþtrík¼kr Ãkxu e hk{w¼kr Sðý¼kR Ãkxu e {nulÿfw{kh [tëw k Ãkxu e økkuãkk çke. Ãkxu - þk¾k {ulkush 415, [ku¾k çkòh, fk wãkwh, y{ëkðkë VkuLk Lkt. : , kalupur@kalupurbank.com MICR CODE : IFSC CODE : KCCB0KLP001 1, LÞw økúurlk {kfuox, økkþºke zuhe ÃkkMku, ¾ku¾hk {nu{ëkðkë, y{ëkðkë VkuLk Lkt. : , khokhra@kalupurbank.com MICR CODE : IFSC CODE : KCCB0KMD002 ykh. yu. Ãkxu fkubãk uûk, ({w¾elkwt SLk) MxuþLk hkuz. çkkð k S. y{ëkðkë VkuLk Lkt. : (02714) , bavla@kalupurbank.com MICR CODE : IFSC CODE : KCCB0BVL çkkhuò þk¾k MÚkkÃkLkk : e nmk{w¾¼kr økkuãkk ËkMk Ãkxu e h{ý¼kr ytçkk k Ãkxu e nrhr»ý¼kr ¼økðkLkËkMk Ãkxu e «kuþ¼kr økkuhälk¼kr Ãkxu e MktsÞ¼kR ÃkhMkku k{ëkmk Ãkxu e Ãkhuþ¼kR rðlkkuë¼kr økßsh e {nulÿ¼kr Lkxðh k Ãkxu e ¼hík¼kR hýakuz¼kr Ãkxu e ÞkuøkuLk¼kE ¼ k¼ke Ãkxu e ði¼ð su. þkn - þk¾k {ulkush Ãkt[ ¼køk ÃkkMku, íkelkçk ke, çkkhuò , S. y{ëkðkë. VkuLk : (02718) , bareja@kalupurbank.com MICR CODE : IFSC CODE : KCCB0BRJ004 MkkýtË þk¾k MÚkkÃkLkk : e nmk{w¾¼kr økkuãkk ËkMk Ãkxu e hkuneíkfw{kh çkwäk k {nuíkk e n{ík k Akuxk k Ãkxu e þk{s¼kr hk{s¼kr Ãkxu e ÄLkuþ ykh. Ãkxu - þk¾k {ulkush ¾heË ðu[ký Mkt½ ÃkkMku, Lk Mkhkuðh ºký hmíkk, MkkýtË S. y{ëkðkë. VkuLk Lkt.: (02717) , sanand@kalupurbank.com MICR CODE : IFSC CODE : KCCB0SNN005 WM{kLkÃkwhk þk¾k MÚkkÃkLkk : e çkeãkelk[tÿ híke k þkn e WÃkuLÿ¼kR økýãkík¼kr Ãkxu e y{úík k {käð k Ãkxu e ðmktík¼kr þeð k þkn e Ëe eãk¼kr û{ý¼kr Ãkxu e r[ºkktøk ðe. Ãkxu - þk¾k {ulkush rfíkeo Mkkøkh fkubãk uûk, hýakuzs {trëh ÃkkMku, WM{kLkÃkwhk, y{ëkðkë VkuLk Lkt.: , usmanpura@kalupurbank.com MICR CODE : IFSC CODE : KCCB0USM006

69 49 Annual Report yumk. yu{. hkuz þk¾k MÚkkÃkLkk : e zkp. rëlkuþ¼kr yu{. y{elk e «n kë¼kr ytçkk k Ãkxu e fhþlk¼kr f[hk¼kr Ãkxu e flkw¼kr fk eëkmk Ãkxu e MkwhuLÿ¼kR Mke. Ãkxu e sir{lk¼kr søkëeþ¼kr þkn e rððuf¼kr «n kë¼kr Ãkxu e Søkh¼kE çke. þkn - þk¾k {ulkush 1, ðmktík hsçk MkkuMkkÞxe, Ãke yulz xe. fku kulke ÃkkMku, Mkuxu krx hkuz, Mkuxu krx, y{ëkðkë VkuLk Lkt.: , smroad@kalupurbank.com MICR CODE : IFSC CODE : KCCB0SMR007 Mkutx ÍurðÞMko Mfw hkuz þk¾k MÚkkÃkLkk : e ykþe»k¼kr þtfh k økwy e ¼økðík«MkkË {ýe k Ãkxu e flkw¼ke økkuãkk ËkMk Ãkxu e rðlkkuë çke. Ãkxu - þk¾k {ulkush yûkh ykfuoz, {u{lkøkh VkÞh MxuþLk Mkk{u, LkðhtøkÃkwhk, y{ëkðkë VkuLk Lkt.: , xaviers@kalupurbank.com MICR CODE : IFSC CODE : KCCB0SXS008 ðxðk þk¾k MÚkkÃkLkk : e ¼qÃkuLÿ¼kR Mke. Ãkxu e h{uþ¼kr Lkxðh k Ãkxu e rçkrãklk¼kr Y½LkkÚk¼kR Ãkxu e ylktøk¼kr fwtsrðnkhe þkn e «Vw ¼kR {kuíke k ðu kýe e hkfuþ¼kr fktrík¼kr Ãkxu e rníku»k¼kr rðê ¼kR Ãkxu e f]ýk {elkuþ¼ke Ãkxu e WŠ{ yulk. þkn - þk¾k {ulkush à kux Lkt. 1110, S.ykR.ze.Mke. VuÍ-3, yuv-hkuz, ykçkkë çkufhe ÃkkMku, ðxðk, y{ëkðkë VkuLk Lkt.: , vatva@kalupurbank.com MICR CODE : IFSC CODE : KCCB0VTV009 yk { hkuz þk¾k MÚkkÃkLkk : e rähuþ¼kr ík f[të þkn e ¼qÃkuLÿ¼kR sþtíke k þkn e fehex¼kr hk{¼kr Ãkxu e økkiík{¼kr þktrík k þkn e f{ uþfw{kh rfþlk[të silk e «Vw ¼kR yu{. Ãkxu - þk¾k {ulkush fk wwãkwh çkuf ¼ðLk, RLf{xuûk Mkfo ÃkkMku, yk { hkuz, y{ëkðkë VkuLk Lkt.: , ashramroad@kalupurbank.com MICR CODE : IFSC CODE : KCCB0ASR010 Ãkºkfkh fku kulke þk¾k MÚkkÃkLkk : e çkeãkelk[tÿ híke k þkn e LkøkeLk¼kR {tøk ËkMk þkn e rãkþw»k¼ke økku ðë¼ke Ãkxu e fuíklk¼ke økku ðë k Ãkxu e fwþ yumk. þkn - þk¾k {ulkush ytfwh fku{šþþ fkubãk uûk, ytfwh çkmk MxuLz ÃkkMku, LkkhýÃkwhk, y{ëkðkë VkuLk Lkt.: , patrakar@kalupurbank.com MICR CODE : IFSC CODE : KCCB0PCR011 Mkku k hkuz þk¾k MÚkkÃkLkk : e ¾kuzk¼kR fkr ËkMk Ãkxu e fktíke¼kr y{úkk¼kr Ãkxu e h{uþ¼kr fuþð k Ãkxu e çkeãkelk¼kr {q S¼kR ¼ kðík e fktíke¼kr Þw. Ãkxu e nmk{w¾¼kr Lkxðh k Ãkxu e Søkh ze. Ãkxu - þk¾k {ulkush 1, íkeúkolkøkh MkkuMkkÞxe, rð.-3, MkðkuoËÞ MkkuMkkÞxe rð-1 Mkk{u, ¼qÞtøkËuð [kh hmíkk, Mk kkäkh hkuz, Mkku k hkuz, y{ëkðkë VkuLk Lkt.: , sola@kalupurbank.com MICR CODE : IFSC CODE : KCCB0SLR012 Ãkt[ðxe þk¾k MÚkkÃkLkk : e ysík¼kr h{ý k þkn e ¼qÃkuLÿ¼kR sþtíke k þkn e Ãkhuþ¼kR Lkxðh k ík kxe e «rðý¼ke ¼kuøke k þkn e hkulkf¼ke yu. {kuëe e hkfuþ yke. silk - þk¾k {ulkush ðmºkkãkwh þk¾k MÚkkÃkLkk : e çktmke¼kr {nkmkw¾¼kr Ãkxu e ysík Mkn çke. {rnzk e MkwhuLÿ¼kR yu{. MkkuLke e ylktík¼ke ze. Ãkxu e Ãk f¼ke Mke. þkn - þk¾k {ulkush Lkðk ðkzs þk¾k MÚkkÃkLkk : e fuíklk¼kr SíkuLÿ¼kR Ãkxu e sþf]»ý¼kr Açke ËkMk Ãkxu e ¼ku k¼kr huðlkëkmk Ãkxu e rðmkk¼kr ¾kuzeËkMk Ãkxu e ft[lk¼kr Vkuøkx k Ãkt[k e Ëþeo ¼kE yu. þkn - þk¾k {ulkush MkLk ÃkkuRLx, þktíke MkËLk MkkuMkkÞxe, Ãkhe{ økkzolk ÃkkMku, yu emkçkúes, y{ëkðkë VkuLk Lkt.: , panchvati@kalupurbank.com MICR CODE : IFSC CODE : KCCB0PCV013 rn{k Þk ykfuoz, ðmºkkãkwh uf Mkk{u, ðmºkkãkwh, y{ëkðkë VkuLk Lkt.: , vastrapur@kalupurbank.com MICR CODE : IFSC CODE : KCCB0VSR015 rlk fkubãk uûk, ÔÞkMkðkze Mkk{u, Lkðk ðkzs, y{ëkðkë VkuLk Lkt.: , vadaj@kalupurbank.com MICR CODE : IFSC CODE : KCCB0NVW016 65

70 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. zùkrð-rlk hkuz þk¾k MÚkkÃkLkk : e ËuðuLÿ¼kR ÃkkuÃkx k Ãkxu e MktsÞ¼kR [elkw¼kr Íðuhe e ÃkkuÃkx k økehäh k Ãkxu e ðkze¼kr çke. Ãkxu e{íke {käðeçkulk xe. Ãkxu nu{tík¼ke ykh. Ãkxu - þk¾k {ulkush çkkuãk þk¾k MÚkkÃkLkk : e «fkþ¼kr sþtíke k Ãkxu e ¼ðMkkøkh Mkøk çke. {wtò e Þkuøkuþ¼kR zkìkk¼kr eäh e nmk{w¾¼ke þt¼w¼ke Ãkxu e f]ýk su. Ãkxu - þk¾k {ulkush RMkLkÃkwh þk¾k MÚkkÃkLkk : e nmk{w¾¼kr økkuãkk ËkMk Ãkxu e h{uþ¼kr fklks¼kr k¾kýe e MkwnkMk¼kR yh ðë¼kr Mkknuçkk e rë eãk¼kr yku. þkn e W{uþ su. Ãkkxe - þk¾k {ulkush fk{äulkw ¼ðLk, xe.ðe. xkðh Mkk{u, zùkrð-rlk-hkuz, y{ëkðkë VkuLk Lkt.: , drivein@kalupurbank.com MICR CODE : IFSC CODE : KCCB0DRV017 79, þeðykþe»k MkkuMkkÞxe, RLzõxkuÚk{o r. ÃkkMku, çkkuãk hkuz, y{ëkðkë VkuLk Lkt.: (02717) , bopal@kalupurbank.com MICR CODE : IFSC CODE : KCCB0BPL018 2, ykmkkuãkk ðlkøkh MkkuMkkÞxe, hk{ðkze çkmk MxuLz ÃkkMku, RMkLkÃkwh, y{ëkðkë VkuLk Lkt. : , isanpur@kalupurbank.com MICR CODE : IFSC CODE : KCCB0ISP019 ðkmkýk þk¾k MÚkkÃkLkk : e ytçkw¼ke {øklk¼ke Ãkxu e þi u»k¼kr sþtíke k þkn e økeheþ¼kr ðkze k þkn e rn{tík¼kr fu. þkn e hkurník¼ke çkwäk k {nuíkk e síkelk¼ke økwýðtík¼ke Ãkxu e rlkhð yu. Ãkxu - þk¾k {ulkush hílkmkkøkh ^ ux ÃkkMku, fumkheþks [kh hmíkk, Sðhks {nuíkk nkumãkex hkuz, ðkmkýk, y{ëkðkë VkuLk Lkt.: , vasna@kalupurbank.com MICR CODE : IFSC CODE : KCCB0VSN020 çkkuzfëuð þk¾k MÚkkÃkLkk : e ytçkw¼kr {øklk¼kr Ãkxu e nmk{w¾¼kr økkuãkk ËkMk Ãkxu e rlkãk{¼kr h{uþ[tÿ þkn e rëãkf¼kr økku ðë k þkn e n»koë¼kr yh ðë¼kr þkn e LkÒkw¼kR Ãke. ÃkzMkk k e h{ý¼kr ykh. Ãkxu e ËþhÚk¼kR fk eëkmk Ãkxu e{íke uþkçkulk rlkmkøko¼ke Ãkhe¾ e funw ðe. Ãkxu - þk¾k {ulkush økkuþ xuhumk, ssmk çktøk ku ÃkkMku, çkkuzfëuð, y{ëkðkë VkuLk Lkt.: , bodakdev@kalupurbank.com MICR CODE : IFSC CODE : KCCB0BDK021 ykýtë þk¾k MÚkkÃkLkk : e ÃkhMke Vhk{hkus ¼Y[k e LkðLkeík¼kR {ýe¼kr Ãkxu e {eíkuþ¼kr h{uþ¼kr Ãkxu e flkw¼kr [tëw¼kr Ãkxu e rfhý¼kr RLËw¼kR Ãkxu e n»koë¼ke yu{. Ãkxu - þk¾k {ulkush sþ xkðh, y{w zuhe hkuz, ykýtë , S. ykýtë. VkuLk Lkt.: (02692) , anand@kalupurbank.com MICR CODE : IFSC CODE : KCCB0ANN MðÂMíkf [kh hmíkk þk¾k MÚkkÃkLkk : e {elkuþ¼ke sþ¼ke Ãkxu e ¼qÃkuLÿ¼kR sþtíke k þkn e rºk kuf[të fkþehk{ yøkúðk e çkkçkw¼kr h{ý¼kr Ãkxu e økkiík{fw{kh sþtrík k Ãkxu e þi u»k¼kr [e{lk k ËuMkkR e Ëuðktøk¼kR økkiík{¼kr þkn e ËþoLk Ãke. þkn - þk¾k {ulkush Mkwþe kçkulk híke k nku ÃkkMku, Mke. S. hkuz, LkðhtøkÃkwhk, y{ëkðkë VkuLk Lkt.: , swastik@kalupurbank.com MICR CODE : IFSC CODE : KCCB0SCR023 swlkk ÃkkËhk hkuz þk¾k - ðzkuëhk MÚkkÃkLkk : e ÃkhMke Vhk{hkus ¼Y[k e [tÿfktík¼kr W{u˼kR Ãkxu e {wfuþ¼kr zkìkk¼kr Ãkxu e økkiík{¼kr Síkw¼kR fkuxkhe e rðlkkuë¼kr zkìkk¼kr Ãkxu e MktËeÃk¼kR h{uþ¼kr þkn e hknw fu. òlke - þk¾k {ulkush 54, ÃkwLkeíkLkøkh MkkuMkkÞxe, ðuõmkelk RLMxexâwx Mkk{u, swlkk ÃkkËhk hkuz, ðzkuëhk VkuLk Lkt.: (0265) , baroda@kalupurbank.com MICR CODE : IFSC CODE : KCCB0VDD024 {ýelkøkh þk¾k MÚkkÃkLkk : e nmk{w¾¼kr økkuãkk ËkMk Ãkxu e hksulÿ¼kr {kunlk k þkn e W{uþ[tÿ «Vw ¼kR {nuíkk e ysþ¼kr h{ýef k økktäe e sþþe ¼kR økeíkuþfw{kh þux e zkp. søkëeþ¼kr ykh. hkýk e íkãklk¼ke su. X h- þk¾k {ulkush 39, hkäkðõ ¼ fku kulke, sðknh [kuf [kh hmíkk, {ýelkøkh, y{ëkðkë VkuLk Lkt. : , maninagar@kalupurbank.com MICR CODE : IFSC CODE : KCCB0MNN025

71 49 Annual Report fk çkkëuðe-{wtçkr þk¾k MÚkkÃkLkk : e ÃkhMke Vhk{hkus ¼Y[k e MkwhuLÿ¼kR íkw MkeËkMk MkðkR e yþkuf¼kr ykh. ½eÞk e MkwhuLÿ¼kR yu{. {hzeþk e Þkuøkuþ¼kR fk eëkmk þkn e ykþe»k¼kr [tÿfktík¼kr {nuíkk e hksulÿ¼kr çkkçkw k {kuëe e W{uþ¼kE h{ý k þkn e sþf]]»ý ze. Ãkxu e rlkhulk¼ke Äkhe{k e ykrþ»k yulk. {nuíkk - þk¾k {ulkush çke/3 Úke 7, {tøk ËkMk rçkõzªøk Lkt.1, þk{ ËkMk økktäe {køko, {wtçkr VkuLk Lkt. : (022) , mumbai@kalupurbank.com MICR CODE : IFSC CODE : KCCB0KLB026 ¾t¼kík þk¾k MÚkkÃkLkk : e nmk{w¾¼ke økkuãkk ËkMk Ãkxu e Síkw¼kR nhøkku ðëëkmk þkn e ½Lk~Þk{ Mkn yu{. [kðzk e ¼kR k ¼kR {øklk¼kr Ãkxu e h{uþ¼ke nh{klk¼ke Ãkxu e íkusmk yu[. þkn - þk¾k {ulkush LkeòLktË, zkp. fubãkmk ÃkkMku, ¾t¼kík , S. ykýtë. VkuLk Lkt.: (02698) , khambhat@kalupurbank.com MICR CODE : IFSC CODE : KCCB0KMB027 çkkãkwlkøkh þk¾k MÚkkÃkLkk : e zkp. rëlkuþ¼kr yu{. y{elk e ðõ ¼¼kR økkuçkh¼kr fkfzeþk e rðlkw¼kr fh{þe¼kr òuøkkýe e ÃkwÁ»kku k{¼kr çke. ffkýe e ÃkhMkku k{¼kr yulk. økuðheþk e ðõ ¼¼kR {kunlk¼kr hk{kýe e çkxwf¼kr hkýk¼kr ~Þkýe e{íke {tsw k ze. çkkuhz - þk¾k {ulkush ~Þk{ þe¾h fkubãk uûk, rëlkuþ [ubçkh Mkk{u, RLzeÞk fku kulke [kh hmíkk, çkkãkwlkøkh, y{ëkðkë VkuLk Lkt.: , bapunagar@kalupurbank.com MICR CODE : IFSC CODE : KCCB0BPN028 {käwãkwhk þk¾k MÚkkÃkLkk : e hksulÿ¼kr çkkçkw k {kuëe e slkeþ¼kr søkëeþ[tÿ Ãkxu e rðrlkík¼kr ËÞk S¼kR Ãkxu e {tsþ¼kr yu{. økktäe e rëlkuþ¼kr çke. Ãkxu e økkuãkk ¼kR yu. hkxe e [tëlk Mkn su. hkxkuz - þk¾k {ulkush rlk økøklk à kík, Ãkku emk fr{& h ykurvmk Mkk{u, þkneçkkøk hkuz, y{ëkðkë VkuLk Lkt.: , madhupura@kalupurbank.com MICR CODE : IFSC CODE : KCCB0MDR030 MxuzeÞ{ hkuz þk¾k MÚkkÃkLkk : e MLkun ¼kR h{uþ[tÿ Ãkhe¾ e ytçkk k LkkhýËkMk {kuëe e fuíklk¼ke hmkef¼ke þkn e rn{ktþw yu. þkn - þk¾k {ulkush hkpþ nkwmk, 16-çke, {nkëuð Lkøkh MkkuMkkÞxe, MxuzeÞ{ hkuz, LkðhtøkÃkwhk, y{ëkðkë VkuLk Lkt.: , stadium@kalupurbank.com MICR CODE : IFSC CODE : KCCB0SDR031 xuûkxkr {kfuox þk¾k - Mkwhík MÚkkÃkLkk : e ÃkhMke Vhk{hkus ¼Y[k e sþtíke¼kr k¾kýe e fklks¼kr hk½ð¼kr ¼ k k e {Lkw¼kR nhëkmk¼kr XwB{h e ðõ ¼¼kR yumk. XwB{h e «fkþ¼ke s{eþíkhk{ sheðk k e çkúesuþ¼ke «¼wËkMk økkuz eþk e nhuþ¼ke yulk. Ãkxu - þk¾k {ulkush 38/39, yslxk þkuãkªøk MkuLxh, rfllkhe rmklku{k ÃkkMku, hªøk hkuz, Mkwhík VkuLk Lkt.: (0261) , surat@kalupurbank.com MICR CODE : IFSC CODE : KCCB0TXM032 rlkh{k ÞwrLkðMkeoxe þk¾k MÚkkÃkLkk : e ¾kuzk¼kR fkr ËkMk Ãkxu e{íke ÃkqðeoçkuLk yu. Ãkku¾rhÞk e Äúwð¼kR Ãke. AkÞk e çkkçkw¼kr su. Ãkxu e S. hk{[tÿlk LkkÞh e ykþe»k¼kr fu. ËuMkkR e hksuþ¼kr Lkkhý¼kR Ãkxu e yklktë¼kr Mkku{k¼kR Ãkxu e{íke Ãk fçkulk yþkuf¼kr þkn e ykþwíkku»k fu. Ãkxu - þk¾k {ulkush rlkh{k ÞwrLkðMkeoxe fubãkmk, yumk.s. nkrðu, y{ëkðkë VkuLk Lkt.: (02717) , nirmauni@kalupurbank.com MICR CODE : IFSC CODE : KCCB0NRM097 yklktëlkøkh þk¾k MÚkkÃkLkk : e ¼hík¼kR ykh. {kuëe e LkhuLÿ¼kR Lkh Mkn k þkn e ¼qÃkuLÿ¼kR Mke. {kunkuhkuðk k e «n kë¼ke þeðhk{¼ke Ãkxu e ÃkrÚkf¼kE SíkuLÿ¼ykE Ãkxu e{íke hkräfkçkulk sþulÿ¼ke Ãktrzík e íkkhf su. Ãkhe¾ - þk¾k {ulkush 106, rþðk ef ykfuoz, «n këlkøkh økkzolk Mkk{u, yklktëlkøkh hkuz, y{ëkðkë Vku Lkt.: , anandnagar@kalupurbank.com MICR CODE : IFSC CODE : KCCB0AND033 MkkÞLMk Mkexe hkuz þk¾k MÚkkÃkLkk : e rfhex¼kr hk{¼kr Ãkxu e zkp. «¼wËkMk RïhËkMk Ãkxu e sþtíke k fuþð k Ãkxu e çkkçkw¼kr LkkÚkk¼kR Ãkxu e ËþhÚk¼kR ykþk¼kr Ãkxu e çkeãkelk¼kr ÃkwÁ»kku k{ëkmk Ãkxu e rðsþ Mke. ¾ºke - þk¾k {ulkush 9, {kiþo xkrbmk Mfðuh, ykh. fu. hkuþ nku Mkk{u, MkkÞLMk Mkexe hkuz, Mkku k, y{ëkðkë VkuLk Lkt.: , sciencecity@kalupurbank.com MICR CODE : IFSC CODE : KCCB0SCT034 67

72 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. {kts Ãkwh þk¾k - ðzkuëhk MÚkkÃkLkk : e ÃkhMke Vhk{hkus ¼Y[k e Xkfkuh¼kR nrh¼kr Ãkxu e rðãkw Mke. Ãkxu - þk¾k {ulkush WÄLkk-{økËÕ k hkuz þk¾k - Mkwhík MÚkkÃkLkk : e ÃkhMke Vhk{hkus ¼Y[k e h{uþ¼kr çkkãkw¼kr ËuMkkR e nrh¼kr yumk. økkuz eþk e ËþhÚk¼kE ðe. Ãkxu - þk¾k {ulkush økktäelkøkh þk¾k MÚkkÃkLkk : e nmk{w¾¼kr økkuãkk ËkMk Ãkxu e ðõ ¼¼kR yu{. Ãkxu e zkp. flkw¼kr ze. Ãkxu e hknw ¼kR {Lkw¼kR {nuíkk e Ãkhuþ¼kE yulk. ðmkkýe e rníkuþ¼ke su. ËuMkkE - þk¾k {ulkush rðlkkþf fkubãk uûk, MkhMðíke [kh hmíkk ÃkkMku, {kts Ãkwh hkuz, ðzkuëhk VkuLk Lkt. (0265) manjalpur@kalupurbank.com MICR CODE : IFSC CODE : KCCB0MJL , MkqÞko à kík, ¼xkh [kh hmíkk ÃkkMku, WÄLkk-{økËÕ k hkuz, Mkwhík VkuLk Lkt.: (0261) udhna-mugdalla@kalupurbank.com MICR CODE : IFSC CODE : KCCB0UDN037 Vk{oMke fku us fubãkmk, fze Mkðo rðãk Þ fubãkmk, økux Lkt. 1, ½-6 Mkfo ÃkkMku, Mkuõxh - 23, økktäelkøkh VkuLk Lkt.: gandhinagar@kalupurbank.com MICR CODE : IFSC CODE : KCCB0GNR038 fxðkzk þk¾k MÚkkÃkLkk : e ytçkh¼kr sþtíke k Ãkxu e ÃkwÁ»kkuu k{¼kr ¼e¾k¼kR ffkýe e çkkçkw¼kr yu. ðkuhk e nmk{w¾¼kr Mkku{k¼kR Ãkxu e rð»ýw¼kr Lkkhý¼kR Ãkxu e yyý¼kr fhmklkëkmk Ãkxu e rnuíkulÿ¼ke ðe. Ãkxu - þk¾k {ulkush økúkwlz ^ kuh, rëôþ {tøk ykfuoz, fxðkzk S.ykR.ze.Mke. à kux Lkt. 545, fxðkzk, y{ëkðkë VkuLk Lkt.: kawadabranch@kalupurbank.com MICR CODE : IFSC CODE : KCCB0KTW039 WÄLkk WãkuøkLkh þk¾k - Mkwhík MÚkkÃkLkk : e ¼kðuþ¼kE çke. Ëðu - þk¾k {ulkush WÄLkk yufuzu{e Mfw Mkk{u, MkuLxÙ hkuz Lkt.14, WÄLkk WãkuøkLkøkh, Mkwhík VkuLk Lkt.: (0261) , , udyognagar@kalupurbank.com MICR CODE : IFSC CODE : KCCB0UDN040 ÃkktzuMkhk þk¾k - Mkwhík MÚkkÃkLkk : e sir{lk yu. Ãkxu - þk¾k {ulkush 124/125, f{oþkuøke MkkuMkkÞxe rð¼køk-1, ÃkeÞw»k ÃkkuRLx ÃkkMku, 120 Vwx çk{hku e hkuz, ÃkktzuMkhk, Mkwhík VkuLk Lkt. : (0261) pandesara@kalupurbank.com MICR CODE : IFSC CODE : KCCB0PSR041 hªøkhkuz þk¾k - Mkwhík MÚkkÃkLkk : e ¼hík çke. Ãkxu - þk¾k {ulkush ðhkak hkuz þk¾k - Mkwhík MÚkkÃkLkk : e r«þulk ze. þkn - þk¾k {ulkush yklktë {n hkuz þk¾k - Mkwhík MÚkkÃkLkk : e Äúwrðík yu{. Ãkxu - þk¾k {ulkush Ãkhe { fkubãk uûk, Ãkhkøk nkwmk Mkk{u, hªøk hkuz, Mkwhík VkuLk Lkt.: (0261) ringroad@kalupurbank.com MICR CODE : IFSC CODE : KCCB0RRD042 økkiík{ ykfuoz, 1, þtfhlkøkh MkkuMkkÞxe, fãkkuëhk çkúes ÃkkMku, ðhkak hkuz, Mkwhík VkuLk Lkt.: (0261) varachha@kalupurbank.com MICR CODE : IFSC CODE : KCCB0BGL043 {käð fkubãk uûk, LÞw hýakuzlkøkh, «kr{ ykfuozlke Mkk{u, yklktë {n hkuz, yzksý, Mkwhík VkuLk Lkt.: (0261) anandmahal@kalupurbank.com MICR CODE : IFSC CODE : KCCB0NPR044 68

73 49 Annual Report Lkðk rlkfku hkuz þk¾k MÚkkÃkLkk : e ytçkh¼kr sþtíke k Ãkxu e hksulÿ¼kr çkkçkw k {kuëe e ÃkwÁ»kku k{¼kr çke. ffkýe e ËuðS¼kR {kunlk¼kr Ãkxu e rlkfwts¼ke yu X h - þk¾k {ulkush ytf uïh þk¾k MÚkkÃkLkk : e ÃkhMke Vhk{hkus ¼Y[k e nu{tík¼ke [tãkf k þkn e h{uþfw{kh ¼økðkLkËkMk Ãkxu e LkðeLk¼kE ¼kE k ¼kE Ãkxu e hksuþ çke. Ãkxu - þk¾k {ulkush ½kx kuzeþk þk¾k MÚkkÃkLkk : e fkiþ su. {nuíkk - þk¾k {ulkush 1, þktríkrlkfuíklk rçkílkumk MkuLxh, øktøkkuºke çktø kuílke Mkk{u, ð]tëkðlk Ãkkxeo à kux hkuz, rlkfku, y{ëkðkë VkuLk Lkt.: nikol@kalupurbank.com MICR CODE : IFSC CODE : KCCB0JBR035 hrð fkubãk uûk, ðkr Þk [kh hmíkk, S.ykR.ze.Mke., ytf uïh VkuLk Lkt.: (02646) , ankleshwar@kalupurbank.com MICR CODE : IFSC CODE : KCCB0AKL045 efwts þkuãkªøk MkuLxh, ðeh zuhe ÃkkMku, «¼kík [kuf, ½kx kurzþk, y{ëkðkë VkuLk Lkt.: , ghatlodiya@kalupurbank.com MICR CODE : IFSC CODE : KCCB0GHA046 {ubfku kumk hkuz þk¾k MÚkkÃkLkk : e rëlkuþ¼ke ykh. «òãkíke - þk¾k {ulkush SME & MID CORPORATE BRANCH MÚkkÃkLkk : e Ãkhuþ su. Ëðu - þk¾k {ulkush Lkhkuzk þk¾k MÚkkÃkLkk : e ytçkh¼ke sþtíke k Ãkxu e WËÞfw{kh Açke ËkMk Ãkxu e n»koë¼kr y{]ík k Ãkxu e «þktík¼ke rºk kuf¼ke yøkúðk e fkšíkf Ãke. Ãkxu - þk¾k {ulkush 29, 30, þkþkulkk MkuLxh, ç kuf - yu, {ubfku kumk hkuz, Lkhkuzk hkuz, y{ëkðkë VkuLk Lkt.: memco@kalupurbank.com MICR CODE : IFSC CODE : KCCB0CGR048 yulkuûke rçkõzªøk, fk wãkwh çkuf ¼ðLk, RLf{xuûk Mkfo ÃkkMku, yk {hkuz, y{ëkðkë VkuLk Lkt.: Úke midcorp@kalupurbank.com MICR CODE : IFSC CODE : KCCB0SME , ykmúkk yuðlþw, çkeyumkyulkyu xu evkulk yuõmk[us ÃkkMku, S.ykR.ze.Mke., Lkhkuzk, y{ëkðkë VkuLk Lkt.: naroda@kalupurbank.com MICR CODE : IFSC CODE : KCCB0NAR050 òuäãkwh þk¾k MÚkkÃkLkk : e fkirþf¼ke LkËwt¼kE Ãkxu e Ãkhkþh¼kE LkðLkeík¼kE Ãkxu e «ýð¼ke MkwhuLÿ¼kE Ãkxu e ykrmkík¼ke Xkfkuh¼kE Ãkxu e MkwrLk yku. hksãkwík - þk¾k {ulkush ytäuhe (RMx) þk¾k - {wtçkr MÚkkÃkLkk : e {Lke»k ykh. Ëðu - þk¾k {ulkush Ãkkuh þk¾k (S. ðzkuëhk) MÚkkÃkLkk : e sþ{lk¼ke ykh. ¼è - þk¾k {ulkush 1, økúkwlz ^ kuh, Mk[uík - 4 rçkõzªøk, «uhýkíkeúko ËuhkMkh hkuz, òuäãkwh, Mkuxu krx, y{ëkðkë VkuLk Lkt.: jodhpur@kalupurbank.com MICR CODE : IFSC CODE : KCCB0JOD051 4, økúkwlz ^ kuh, xkrbmk Mõðuh rçkõzªøk - yu ðøk, r{ k RLzMxÙeÞ yumxuxlke Mkk{u, ytäuhe fw ko hkuz, {hku, ytäuhe (RMx), {wtçkr VkuLk : (022) , andheri@kalupurbank.com MICR CODE : IFSC CODE : KCCB0AND052 Mðk{eLkhkÞý fkubãk uûk, 83, ytrçkfklkøkh MkkuMkkÞxe, Ãkkuh - fkþkðhkuný hkuz, Ãkkuh , S. ðzkuëhk. VkuLk : (0265) por@kalupurbank.com MICR CODE : IFSC CODE : KCCB0POR53 69

74 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. ðk½kuzeþk hkuz þk¾k MÚkkÃkLkk : e rëãkulk fu. Þk kef - þk¾k {ulkush MkkWÚk çkkuãk þk¾k MÚkkÃkLkk : e ËuðuLÿ Ãke. Ãkxu - þk¾k {ulkush Aºkk þk¾k MÚkkÃkLkk : e rfhex¼ke hk{¼ke Ãkxu e ËuðuLÿ¼kE ÃkkuÃkx k Ãkxu e MkkiheLk¼kE søkëeþ¼ke Ãkxu e Mkwhuþ¼kE LkkÚkk k Ãkxu e «Vw ¼kE hmkef k ík MkkýeÞk e EhuLk¼kE Ãke. Ãkxu - þk¾k {ulkush 1/2, økehehks çkkøk MkkuMkkÞxe, «¼kík çkmk MxuLz Mkk{u, ðk½kurzþk hkuz, ðzkuëhk VkuLk Lkt.: (0265) waghodiya@kalupurbank.com MICR CODE : IFSC CODE : KCCB0WRB054 20/21, ykuš[z MkuLxh, MkV ÃkheMkh - 1 Lke Mkk{u, Mkkuçkku MkuLxh ÃkkMku, MkkWÚk çkkuãk, y{ëkðkë VkuLk Lkt.: (079) soubopal@kalupurbank.com MICR CODE : IFSC CODE : KCCB0SBP055 Ã kux Lkt. 5/yu[/416, Aºkk ELzMxÙeÞ yumxux, yu[.ze.yuv.mke. çkuflke Mkk{u, Aºkk íkk. f ku, S. økktäelkøkh VkuLk Lkt.: (02764) chhatral@kalupurbank.com MICR CODE : IFSC CODE : KCCB0CHH056 hksfkux þk¾k MÚkkÃkLkk : rlkh çke. Ãkxu - þk¾k {ulkush LÞw yumk. S. hkuz þk¾k MÚkkÃkLkk : e Mktíkku»k su. Ãkxu - þk¾k {ulkush huðze çkòh þk¾k MÚkkÃkLkk : e Ä{uoþ¼kE Mke. Ãkxu - þk¾k {ulkush 4-5-6, økýuþ xùuz MkuLxh, Ã kux Lkt. 105, fufuðe nku ylku ELËehk Mkfo ðå[u, 150 Vex hªøk hkuz, hksfkux VkuLk Lkt.: (0281) rajkot@kalupurbank.com MICR CODE : IFSC CODE : KCCB0RJT , ðtëu {kíkh{t kumk rðlz, ðtëu {kíkh{t Mkfo ÃkkMku, LÞw. yumk.s. hkuz, økkuíkk, y{ëkðkë VkuLk Lkt.: newsgroad@kalupurbank.com MICR CODE : IFSC CODE : KCCB0SGR058 ÄLk û{e {kfuox Lkt. 1, huðze çkòh, fk wãkwh, y{ëkðkë VkuLk Lkt.: (079) , revdibazar@kalupurbank.com MICR CODE : IFSC CODE : KCCB0RVD059 Mkkçkh{íke þk¾k MÚkkÃkLkk : e n»ko çke. Ëðu - þk¾k {ulkush fkuxkhe xkðh, hk{lkøkh, Mkkçkh{íke, y{ëkðkë VkuLk Lkt.: (079) sabarmati@kalupurbank.com MICR CODE : IFSC CODE : KCCB0SBM060 Mkuxu kex þk¾k MÚkkÃkLkk : e {wfuþ¼ke Ãke. Ãkxu - þk¾k {ulkush erlkðkmk fkubãk uûk, kz MkkuMkkÞxe ÃkkMku, ð kãkwh, Mkuxu kex, y{ëkðkë VkuLk Lkt.: (079) satellite@kalupurbank.com MICR CODE : IFSC CODE : KCCB0STL061 r{mz fku MkŠðMk ykãklkk hsmxzo {kuçkke Ãkh r{mz fku îkhk çku ulmk ylku {elke Mxux{uLx {u ðku. - çku ulmk ELfðkÞhe {elke Mxux{uLx rz{ux çku ulmk WÃkhkuõík Lktçkh WÃkh hsmxzo {kuçkke îkhk r{mz fku fhðkúke ykãklku çku ulmk / {elke Mxux{uLx SMS îkhk { þu. yk MkuðkLkku k¼ uðk ykãklkk yufkwlx MkkÚku Mkt ølk {kuçkke Lktçkh çkuflke LkSfLke þk¾k{kt selku hsmxzo fhkðku. 70

75 49 Annual Report ANALYSIS OF BRANCHES (Rs. in Lacs) BRANCHES EST. DEPOSITS ADVANCES GROSS PROFIT YEAR Kalupur Khokhra Bavla Bareja Sanand Usmanpura S.M.Road St. Xavier's Vatwa Ashram Road Patrakar Sola Road Panchvati Vastrapur Nava Vadaj Drive-in Road Bopal Isanpur Vasna Bodakdev Anand Swastik Vadodara Maninagar Kalbadevi(Mumbai) Khambhat Bapunagar Madhavpura Stadium road Surat(Textile Market) Nirma Univesity Anandnagar Science City Manjalpur Udhana-Mugdalla Gandhinagar Kawada Udhana-Udhyognagar Pandesara Ring Road Varachha Anand Mahal Nava Nikol Ankleshwar Ghatlodiya Memco SME and MID CORP Naroda Jodhpur Andhari (East) Por Wagodia Road Vadodra Sou Bopal Chhatral Rajkot New S. G. Road Head Office TOTAL

76 THE KALUPUR COMMERCIAL CO-OP. BANK LTD. 72 PROGRESS... At a Glance (Rs. in Lacs) YEAR BRANCHES MEMBERS SHARE RESERVES & DEPOSITS ADVANCES WORKING PROFIT DIVIDEND CAPITAL PROVISIONS CAPITAL (30 JUNE) % % % % % % % % % % % % % % % % % % % % % ST (31 MARCH) % % % % % % % % % % % % % % % % % % % % % % % % % % % %* * Proposed

77 çkuflke çkkuãk þk¾klkk [kuðemk{k ð»ko{kt «ðuþlke Wsðýe rlkr{ ku Þkusu hõíkëklk fubãk{kt fkþo {Lkk {wïþ {nu{klk {klklkeþ e {nuþ¼kr ykr. Ãkxu, [uh{ulk MxuLzªøk fr{rx, çkkuãk -½w{k LkøkhÃkkr fk (íkífk elk) íkúkk ylþ ¾kíkuËkh hõíkëklk fhe hìkk Au. yk «Mktøku íkuykulku þw¼uåak ÃkkXððk MktMfkhÄk{Lkk «umkezulx zkp. ykh. fu. þkn, çkkuãk þk¾k rðfkmk Mkr{ríkLkk MkÇÞ e ¼ðMkkøkhMkªøk {wtò, e ¼e¾w¼kR þ{ko hõíkëklk fubãklkk fku.ykušzlkuxh e Mke. yulk. þwõ nksh hìkk níkk. (íkk ). çkuflke yk {hkuz þk¾klkk íkuºkemk{kt ð»ko{kt «ðuþlke Wsðýe rlkr{ ku Þkusu hõíkëklk fubãk{kt hõíkëkíkkyku e rðlkþ¼kr òu»ke, e çke. ykh. LkkÞh, e hkuþlk¼kr Ãkxu Lku þw¼uåak ÃkkXðíkk y{ëkðkë þnuhlkk {uþh {klklkeþ e{íke rçks çkulk ykh. Ãkxu, çkuflkk [uh{ulk e LkðLkeík¼kR Mke. Ãkxu, yk «Mktøku rzhuõxh e nmk{w¾¼kr S. Ãkxu, rzhuõxh e rfhex¼kr ykh. Ãkxu, yk {hkuz þk¾k rðfkmk Mkr{ríkLkk MkÇÞ e Äehuþ¼kR xe. þkn, slkh {ulkush e rðlkkuë¼kr ËkË kýe, hõíkëklk fubãklkk fku.ykušzlkuxh e Mke. yulk. þwõ, þk¾k {ulkush e «Vw ¼kR yu{. Ãkxu nksh hìkk níkk. (íkk ). çkuflke çkkãkwlkøkh þk¾kyu yzkh{k ð»ko{kt «ðuþlke Wsðýe rlkr{ ku Þkusu hõíkëklk fubãk{kt {tøk ËeÃk «økxkðe fubãklkku þw¼kht¼ fhkðíkk fkþo {Lkk {wïþ {nu{klk {klklkeþ e ðõ ¼¼kR Mkkð eþk - {ulkustøk xùmxe - {rn k ðkrýßþ {nkrðãk Þ, çkkãkwlkøkh, çkuflkk rzhuõxh e zkp. rëlkuþ¼kr yu{. y{elk. yk «Mktøku yríkrúk rðþu»k ÃkËu WÃkÂMÚkík {klklkeþ økeíkkçkulk ðõ ¼¼kR hk{kýe (ðeh þrnë {ush Ó»kefuþ ðe. hk{kýelkk {kík] e) þk¾k rðfkmk Mkr{ríkLkk MkÇÞku e ÃkhMkku k{ëkmk çke. ffkýe, e ÃkhMkku k{¼kr yulk. økuðheþk, e çkxwf¼kr ykh. ~Þkýe, e rðlkw¼kr fu. òuøkkýe, çkkuzo Mku uxhe e {nulÿ¼kr ykh. Ãkxu nksh hìkk níkk. (íkk ). çkuflke çkkð k þk¾kyu çkuíkk emk{k ð»ko{kt «ðuþlke Wsðýe rlkr{ ku Þkusu hõíkëklk fubãk{kt {klkðtíkk ¾kíkuËkhku MkkÚku hõíkëklk fhíkk çkkð k þk¾k rðfkmk Mkr{ríkLkk ðkrmk [uh{ulk e hkurník¼kr çke. Ãkxu. yk «Mktøku hõíkëkíkkykulku þw¼uåak ÃkkXðíkkt fkþo {Lkk {wïþ {nu{klk çkkð k fu ðýe {tz Lkk «{w¾ e ½Lk~Þk{¼kR çke. Ãkxu, yríkrúk rðþu»k ÃkËu WÃkÂMÚkík çkkð k LkøkhÃkkr fklkk «{w¾ {klklkeþ e{íke {elkkçkulk «fkþ¼kr Ãkxu, e «fkþ¼kr Ãkxu çkuflkk rzhuõxh e nmk{w¾¼kr S. Ãkxu, e hk{w¼kr su. Ãkxu hõíkëklk fubãklkk fku.ykušzlkuxh e Mke.yuLk. þwõ, þk¾k {ulkush e økkuãkk ¼kR çke. Ãkxu (íkk ).

78 çkuflke WÄLkk {økëõ k hkuz þk¾kyu Þkusu hõíkëklk fubãk{kt hõíkëkíkkykulku þw¼uåak ÃkkXðíkk {wïþ {nu{klk zkp. Äð ¼kR Ãkxu (IAS) f uõxh ylku rzmxùeõx {usmxùux, Mkwhík. yk «Mktøku WÃkÂMÚkík e Síkw¼kR LkkÞf, ytf uïh þk¾klkk {ulkush e hksuþ¼kr Ãkxu, WÄLkk {økëõ k hkuzlkk þk¾k {ulkush e ËþhÚk¼kR ðe. Ãkxu, yuzðkufux e rëãkf¼kr ykr fkðk k. çkuflke yk { hkuz þk¾kyu Þkusu hõíkëklk ylku zkþkrçkxemk íkãkkmk fubãk{kt íkusmðe rðãkúkeo sþrëãk yumk. ftmkkhk (ÃkkuMx økúußþwyux %) Lku çkwf ylku þw¼uåak øke^xúke MkL{kLkíkk y{ëkðkë þnuhlkk {uþh e{íke rçks çkulk ykh. Ãkxu. yk «Mktøku çkuflkk [uh{ulk e LkðLkeík¼kR Mke. Ãkxu, rzhuõxh e nmk{w¾¼kr S. Ãkxu, yk {hkuz þk¾k rðfkmk Mkr{ríkLkk MkÇÞ e Äehuþ¼kR xe. þkn (íkk ). çkuflke ¾ku¾hk þk¾k ylku Lkðk ylkks çkòh fku.ykuãk. þkuãmk yulz ðuh nkwmkªøk MkkuMkkÞxe r. Lkk MktÞwõík WÃk {u rðï ÃkÞkoðhý rëlklke Wsðýe rlkr{ ku Þkusu ð]ûkkhkuãkýlkk fkþo {{kt çkuflkk [uh{ulk e LkðLkeík¼kR Mke. Ãkxu, ð]ûkkhkuãký fhe hìkk Au. yk «Mktøku þk¾k rðfkmk Mkr{ríkLkk MkÇÞ e rçkhulk¼kr þkn, e nu{tík¼kr Ãkhe¾, Lkðk ylkks çkòh Mkt½Lkk e «þktík¼kr Ãkxu íkúkk ylþku nksh hìkk níkk. fk wãkwh þk¾kyu çkuflkk 49{k MÚkkÃkLkk rëlklke Wsðýe rlkr{ ku Þkusu hõíkëklk ylku zkþkrçkxemk íkãkkmk fubãklkwt {tøk ËeÃk «økxkðe þw¼kht¼ fhkðíkkt fkþo {{kt WÃkÂMÚkík {wïþ {nu{klk Mkw«rMkæÄ e søkllkkúks {trëh xùmxlkk økkëeãkrík {ntík e Ãk.Ãkq. e rë eãkëkmks {nkhks, økwá hk{uïh ËkMkS {nkhks. yk «Mktøku çkuflkk rzhuõxh e nmk{w¾¼kr S. Ãkxu ylku ylþºk ÃkËkrÄfkhe eyku, ðuãkkhe r{ºkku, ¾kíkuËkhku nksh hìkk níkkt. (íkk ) çkuflkk 49{kt MÚkkÃkLkk rëlklke Wsðýe rlkr{ ku çkuflke 48 ð»kolke rðfkmkþkºkk{kt ºký ËkÞfk fhíkk ðäw Mk{ÞÚke òuzkþu k f{o[khe r{ºkkulku MkL{kLkðk Þkusu fkþo {{kt yu[.ykh. rð¼køklkk {ulkush e rðrlkík¼ke su. Ãkxu Lkwt {u{ulxku ylku MkxeorVfux ykãke yr¼ðkëlk fhíkk çkuflkk rzhuõxh e ¼ k¼ke Mke. Ãkxu

79 çkuflkk 49{kt MÚkkÃkLkk rëlklke Wsðýe rlkr{ ku çkuflke 48 ð»kolke rðfkmkþkºkk{kt ºký ËkÞfk fhíkk ðäw Mk{ÞÚke Mkuðk{kt òuzkþu f{o[khe r{ºkkulku MkL{kLkðk Þkusu fkþo {{kt çkkuzo ykuv rzhuõxmkolkk MkÇÞ eyku ylku Mkuðf r{ºkkulke Mk{qn íkmðeh. rëãkkð e - LkqíkLkð»ko MLkunr{ Lk fkþo {{kt fk wãkwh çkuf Ãkrhðkh ðíke çkuflkk {ulkustøk rzhuõxh e ÃkhMke yuv. ¼Y[kLku çkwfu ykãke þw¼uåak ylku yr¼lktëlk ÃkkXðíkk yuõmkkrz krv RLMÞkuhLMk f>wt. Lkk ðkrmk «umkezulx e rlkhs¼kr Ãkkhu¾. yk «Mktøku WÃkÂMÚkík çkuflkk [ev zuð kuãk{ulx ykurvmkh e ½e{tíkhkuÞ íkwh¾eþk. {käwãkwhk þk¾kyu 14{kt ð»ko{kt «ðuþlke Wsðýe rlkr{ ku Þkusu hõíkëklk fubãk{kt þkneçkkøk rðmíkkhlke òýeíke fkãkzeþk «kúkr{f ylku {kæþr{f Mfq Lkk rþrûkfkçkulk ßÞkuríkçkuLk ðk½u klkwt þk ykuzkze MkL{kLk fhíkkt Mkw e MkhkusçkuLk hk{«fkþ fkuxkhe ylku ykurvmk ykmke. Mkr[çkuLk Ãkkhu¾. yk «Mktøku e zkp. hk{«fkþ fkuxkhe, e hksulÿ¼kr çke. {kuëe, e {tsþ¼kr økktäe nksh hìkk níkk. (íkk ) yklktëlkøkh þk¾k - hõíkëklk fubãk{kt hõíkëkíkkykulku «kuímkkrník fhíkk {wïþ {nu{klk Lkðøkwshkík Mk{ÞLkk [ev yurzxh e ysþ¼kr W{x, yríkrúk rðþu»k e «n kë¼kr yumk. Ãkxu, rzhuõxh e ¼ k¼kr Mke. Ãkxu, e ¼qÃkuLÿ¼kR {nkuhkuðk k, Ãkºkfkh e {Þtf¼kR ÔÞkMk, e {nulÿ¼kr ykh. Ãkxu, fku.ykušzlkuxh e Mke. yulk. þwõ. MkkWÚk çkkuãk þk¾k ¾kíku ÞkuòÞu hõíkëklk fubãk{kt yk{trºkík yríkrúk rðþu»k nwzfkulkk rhrsþkulk zkþhuõxh e yumk. økwyë k Mkknuçku hõíkëklk fhe fubãk{kt WÃkÂMÚkík MkkiLku Mkk{krsf MkuðkfkÞo fhðk {kxu «uhýk ykãke. yk «Mktøku WÃkÂMÚkík çkuflkk [ev zuð kuãk{ulx ykurvmkh e ½e{tíkhkuÞ íkwh¾eþk. (íkk )

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