O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.jusbbank.com/annual-report/JUB-Ahwal-2015.pdf · 2018. 3. 29. · 1 O`qgJnya - CXJm§d ghH$mar ~±H$ {c. O`qgJnya (Vm. {eamoi) `m ~±Ho$Mr

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O`qgJnya - CXJm§d ghH$mar ~±H$ {c. O`qgJnya (Vm. {eamoi) ̀ m ~±Ho$Mr gZ 2014-15 dfm©H$[aVm 56 dr dm{f©H$ gd© gmYmaU g^m Jwédma {XZm§H$ 13-08-2015 B©. amoOr Xþnmar 1.00 dmOVm _M©ÝQ> Agmo{gEeZ hm°b, 9 dr J„r O`qgJnya òWo Imcrc {df`mda {dMma {d{Z_` H$aUoH$[aVm ~moc{dUoV ̀ oV Amho. Var gXa gôg gd© g^mgXm§Zr doioda CnpñWV ahmdo hr {dZ§Vr.

1) _mJrb {XZm§H$ 13/08/2014 B©. amoOr Âmmboëæmm dm{f©H$ gd©gmYmaÊm gôMm d¥Vm§V dmMyZ H$mæm_ H$aÊmo.

2) _m. gM§§ mbH$ _S§ >imZ o {XZmH§ $ 31/03/2015 AIao gn§ bëo `m dîmmM© m emgH$s` bIo mn[ajH$mZ§ r gmXa H$o bbo m Ahdmb, Vmi~o X§ , Z\$m-VmQo >mnÍmH$ ñ drH$¥ V H$aÊm.o

3) gZ 2013-2014 `m gmbmMo emgH$s` boImnarjU Xmof XwéñVr AhdmbmMr dmMwZ Zm|X KoUo.

4) _m. g§§MmbH$ _§S>imZo gwM{dboëæmm gZ 2015-2016 Mo A§XmO nÍmH$mg _§Oyar XoÊmo d gZ 2014- 2015 æmm gmbmV A§XmOnÍmH$mnoúmm H$_r -OmXm Âmmboëæmm CËnÞ d IMm©g _§Oyar XoÊmo.

5) gZ 2014-2015 æmm gmbmVrb Âmmboëæmm {Zìdi Z\$m {d^mJÊmrg _§Oyar XoÊmo.

6) gZ 2015-2016 æmm dîmm©H${aVm A§VJ©V, H§$H$a§Q> {hímmo~ VnmgÊmrg æmm§Mr {ZæmwŠVr H$aÊmo d Ëæmm§Mm _ohZVmZm R>a{dÊmo.

7) gZ 2015-2016 `m dfm©H$[aVm emgH$s` coImnarjH$ `m§Mr {Z`wŠVr H$aUo d Ë`m§Mm _ohZVmZm R>a{dUo.

8) gZ 2014-2015 æmm gmbmVrb ímmgH$ræm boImnarúmH$ gr. E. Ama. E. qeXo MmQ>©S>© AH$m¡Q>§Q> ̀ m§MoH$Sy>Z {_imbobm boImn{aúmÊm Ahdmb dmMyZ Zmo§X ¿moÊmo.

9) ~H± $o Àæmm _m. gM§ mbH$ _S§ >i gXñæm d ËæmmÀ§ æmm ZmVdo mBH© $mZ§ m gZ 2014-2015 æmm ghH$mar dîmmV© {Xbëo æmm H $OmM© r _m{hVr ¿mÊo m.o

10) gZ 2015-2016 æmm dîmm©H${aVm ~mhoarb ^m§S>db C^maÊmoMr H$_mb _æmm©Xm R>a{dÊmo.

11) gZ 2014-2015 `m Am{W©H$ dfm©V g§MmbH$ _§S>imÀ`m _mÝ`VoZo VS>OmoS>rZo Ho$boë`m WH$sV H$O© dgwbrg _§Oyyar XoUo.

12) ~±Ho$À`m g^mgXm§Zm à{ejU XoUo~m~V {dMma {d{Z`_ H$aUo.

13) ~±Ho$Zo Ho$boë`m d H$amd`mÀ`m ^m§S>db Jw§VdUwH$sg _mÝ`Vm XoUo.

14) _o. AÜæmúmgmom æmm§Mo nadmZJrZo EoZdoir æmoÊmmao {df`m§da MMm© H$aÊmo.

* g^mgXm§Zm Z_« gyMZm *1) ~±Ho$Àæmm H$m_mH$mOmg§~Yr H$mhr àíZ {dMmamdæmmMo AgVrb Va g^mgXmZr {XZm§H$ 07/08/2015 ny²du ~±Ho$H$So> boIr H$idmdo. 2) JÊmnwVu A^mdr g^m VhHy$~ Âmmbog Ë`mM {Xder Ë`mM {R>H$mÊmr AÜæmm© VmgmZ§Va g^m ̂ aob d Ë`mdoir JUg§»òMr Amdí`H$Vm ̂ mgUma Zmhr. 3) Amnbm nËVm ~Xbbm Agbog ZdrZ nËVm àYmZH$mæmm©bæmmH$So> ËdarV H$idmdm. VgoM bm^m§e ~±Ho$À`m H$m_H$mOmÀ`m doioV KoD$Z Omdo. 4) g^mgXm§Zr Amnbm bm^m§e O_m H$aUogmR>r ZOrH$À`m emIoV goìhtJ ImVo gwé H$amdo. VgoM VrZ dfm©darb {S>ìhrS>§S> Oo g^mgX {X.31/12/2015 n`ªV ZoUma ZmhrV. Aem g^mgXm§Mo {S>ìhrS>§S> [aPìh© \§$S>mg dJ© Ho$bo OmB©b. 5) AhdmbmÀæmm {hímmo~ nÍmH$mÀæmm àVr àYmZ H$mæmm©bæmmV d ímmIm H$mæmm©bæm æmoWo g^mgXm§Mo _m{hVrgmR>r Ro>dÊmoV Amboëæmm AmhoV.

* gônwT>rb {dîmæm *

ñWi - OæmqgJnya. {XZm§H$- 21.07.2015

Eg. ~r. Mm¡Jwbo._w»æm H$mæm©H$mar A{YH$mar,

_m. g§MmbH$ _§S>imÀ`m AmXoemZwgma

ghH$ma hm ^maVr` g§ñH¥$VrMm Amagm Amho.

56 dr dm{îm©H$ gd©gmYmaÊm gôMr ZmoQ>rg(\$ŠV g^mgXm§H$[aVm)

O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.

2

gÝ_mZZræm ~§Yw-^{JZrZmo gào_ Z_ñH$ma, Oæm{g§Jnya CXJm§d ghH$mar ~±Ho$Àæmm 56 ìæmm dm{îm©H$ gd©gmYmaÊm gôg AmnÊm AJËæmnyd©H$ Cn{ñWV am{hbmV Ëæmm~Ôb _r ìæm{ŠVím: d g§MmbH$ _§S>imMo dVrZo gdm§©Mo _Z:nwd©H$ hmXr©H$ ñdmJV H$arV Amho. gZ 2014-2015 æmm Am{W©H$ dîmm©Mr H$m_{Jar d \$b{ZînÎmr RadÊmmam {Xdg 31 _mM© 2015 æmm dîmm©Mm dm{îm©H$ Ahdmb d Am{W©H$ nÍmHo$ AmnÊmmnwTo> gmXa H$aVmZm _bm AmZ§X hmoV Amho. g^mgX d R>odrXma ̀ m§Mm {dídmg H$UmH$UmZo H$_mdV ~±H$ EH$m ̂ ŠH$_ nm`mda C^r am{hbr Amho. H$moëhmnya d gm§Jbr {Oëhm H$m`©joÌ {dñVmaVmZm EH$ gj_ ~±H$ hm bm¡H$sH$ ~±Ho$Zo T>iy {Xbm Zmhr. Amnë`m H$m`©joÌmVrb g^mgXm§Mr àW_ godm hm AJ«Ur {dMma _ZmV R>odyZ àW_ g^mgX, R>odrXmam§À`m _XVrZo ̂ ŠH$_ nm`m {Z_m©U H$aÊ`mda AmnU àW_ ̂ a {Xbm. d nwT>o Amnë`m _XVrZo dmQ>Mmb H$arV AmhmoV. _mJrb H$mhr dfmªMr H$_mB© Agbr Var g§ñWoMo g§ñWmnH$, _mJ©Xe©H$ n{úM_ _hmamï´>mVrb ghH$mamMo _mhoa¿ma Agboëæmm H$moëhmnya {Oëhm d {eamoi VmbwŠ`mMo ^m½`{dYmVo AmXa{Zæm H¡$. _mOr Am_Xma S>m°.lr.Amßnmgmho~ D$\©$ gm.ao.nmQ>rbgmho~, _mOr MoAa_Z lr XÎm ímoVH$ar ghH$mar gmIa H$maImZm {b.{ímamoi ho {XZm§H$ 01/04/2015 amoOr AmnUmg nmoaHo$ H$éZ H$mimÀ`m AmoKmV bmon nmdbo AmhoV. doi H$moUmgmR>r Wm§~V Zmhr Am{U Amnbm doJhr ~XbV Zmhr hoM Iao Amho. Ë`mÑîQ>rZo AmnU gmaoM namYrZ AmhmoV. H¡$. _mOr Am_Xma S>m°.lr.Amßnmgmho~ C\©$ gm.ao.nmQ>rbgmho~, `m§Mo JwUdU©Z H$aÊ`mMr Amdí`H$Vm Zmhr. ~±H$ d ~±Ho$Mo g^mgX, ImVoXma, gd© g§MmbH$ Am{U H$_©Mmar `m§Mo G$UmZw~§Y Ë`m§À`mer {Z_m©U Pmbo hmoVo hr dñVwñWrVr nmhVm Ë`m§Mr _hmZVm Amnë`m Ü`mZmV òVo. na§Vy AË`§V gmYonUmZo _mZ,gÝ_mZ Am{U lo`mnmgyZ Xÿa amhÊ`mMm Ë`m§Zr à`ËZ Ho$bm. eodQ>n`ªV ~±Ho$Mm Ü`mg _Zm_Üò R>odyZ H$m`©aV am{hbo, AmVm Ë`m§Mr {eH$dU {eagmd§Ú _mZyZ Amnë`mbm dmQ>Mmb H$am`Mr Amho. VgoM Amnbm Aä`mg, H$m`©Hw$ebVm d àM§S> BÀN>meŠVrÀ`m Omoamda CÚmZn§S>rV _m.lr JÊmnVamdOr nmQ>rbgmho~ MoAa_Z, lr XËV eoVH$ar ghH$mar gmIa H$maImZm {b., {eamoi æmm§Àæmm _mJ©XímZmZo ~°§Ho$Zo búmÊmræm n«JVr gmÜæm Ho$br Amho. gZ 2014-2015 æmm dîmm©V ~°§Ho$Zo gd©M úmoÍmmV CÎm_ n«JVr Ho$bobr Amho. ~°§Ho$Zo ê$næmo 225 H$moQ>r ìæmdgmæmmMo C{ÔîQ> nyÊm© Ho$bo Amho. ̀ oË`m 5 dfm©V 500 H$moQ>rMo CÔrï> nyU© H$aÊ`mMo R>a{dbo Amho. A{V{aŠV {ZYrMr \$mæmXoera J§wVdÊmwH$ d Am{W©H$ dîmm©V dmT>V Joboëæmm ~°§H$ d Rod ìæmmOXamMm ~°§Ho$Zo \$mæmXm CRdV é. 2 H$moQ>r 17 bmI BVH$m CÀMm§H$r H$anyd© T>mo~i Z\$m {_i{dbm Amho. Aímm {aVrZo H$mæm©{dñVma, C{ÔîQ> nwVu, ìæmmdgm{æmH$ ìæmdñWmnZ, A{W©H$ {ímñV d AmYw{ZH$ V§ÍmkmZ æmmìXmao ~°§Ho$Zo Jm¡admñnX H$m_{Jar Ho$bobr Amho. CËnmXZ úm_Vm {Q>Hy$Z amhmdr æmmgmRr ~°§Ho$Zo AmYw{ZH$ V§ÍmkmZmMm Adb§~ Ho$bm Amho. AmYw{ZH$ V§ÍmkmZm_wio H$_©Mmèæmm§Mr CËnmXZ úm_Vm dmTy>Z n«{V godH$ ìæmdgmæmm_Üò ê$. 40 bmIm§Mr dmT> hmoD$Z Vmo ê$. 2 H$moQ>r 83 bmI Âmmbm Amho. VgoM n«{V godH$ Z\$m ê$.1.28 bmI BVH$m Âmmbobm Amho. ho ~°§Ho$Àæmm gúm_rH$aÊmmMo ÚmoVH$ Amho.""hmæmQo>H$'' V§ÍmkmZmMm Adb§~ H$arV AgVmZm ~°§Ho$Zo gd©gmYmaÊm g^mgX ImVoXma J«mhH$ RodrXma d H$O©Xma BËæmmXr ¿mQ>H$m§ímr AgÊmmam g§~Y XwamdÊmma Zmhr æmmMr XúmVm ¿moVbr Amho. ~°§Ho$À`m VgoM ímmIoÀæmm dYm©nZ{XZ {Z{_ÎmmZo hmoÊmmèæmm J«mhH$ ̂ oQ>rV J«mhH$m§Àæmm gyMZm Anoúmm J«mhH$m§Mo g_mYmZ BËæmmXr ~m~r ìæmdñWmnZmn`ªV nmohMVmV. Ëæmm_wio ~°§H$dmT>rg nmoîmH$ YmoaÊm RadÊæmmV _XV hmoVo. ~°§Ho$Zo gZ 2017 AIoa g§^mìæm ìæmdgmæm AmamImS>m Væmma Ho$bm AgwZ ~°§H$ Ëæmm n«mê$n AmamIS>æmmZwgma _mJ©H«$_Z H$arV AgyZ ËæmmZwgma ~°§Ho$Mm {dH$mg d {dñVma æmmV {Z{íMV æmím n«mßV hmoB©b.


AÜ`jm§Mo

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g^mgXm§Mr emZ, gdmªMm gÝ_mZ åhUyZM Amåhmbm ghH$mamMm A{^_mZ.

gZ 2014-2015 Àæmm A{W©H$ dîmm©Mm AmT>mdm Ahdmb gmbm_Üæmo ~°§Ho$Zo Xadîmr© n«_mÊmo dmQ>Mmb gwê$ Rodbr AgwZ hr ~m~ VwbZmË_H$ AmH$So>dmardê$Z búmmV æmoBb.~±Ho$Mr VwbZmË_H$ gm§nVrH$ pñWVr.


1.2.3.4.5.6.7.8.9.

10.11.12.13.

A.Z§ Vnerb 31/03/2013 31/03/2014 31/03/2015

g^mgX g§»æmmA{YH¥$V ^mJ ^m§S>db dgyb ^mJ ^m§S>db amIrd d BVa {ZYr Ro>dr H$O} Jw§VdÊmwH$ Z\$m T>mo~i EZ.nr.E. {Zìdi EZ.nr.E^m§S>db næmm©ßVVm bm§^mím Am°S>rQ> dJ©

9643 3,00,00,000/- 2,22,10,075/- 7,28,49,211/-

1,10,53,70,233/-52,05,63,201/- 57,05,61,248/-

67,73,852/- 4.51%0.00%

12.24% 10.00%

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1050510,00,00,000/- 3,23,73,100/- 7,88,49,460/-

1,37,79,25,898/-65,78,17,825/- 57,35,08,618/-

77,27,013/- 5.54%0.94%

12.28% 12.00%

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1089210,00,00,000/- 5,65,14,275/- 8,94,21,564/-

1,42,22,60,974/-82,11,54,489/- 61,71,53,956/- 1,01,28,916/-

5.29%0.95%

14.32% 12.00% ({e\$mag)

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g^mgX - Ahdmb gmbmV JVdfuÀ`m 10505 g^mgXmV 446 Zo dmT> Pmbobr AgyZ 59 g^mgX H$_r PmboZo dfm©AIoarg EHy$U g^mgX g§»`m 10,892 BVH$s Amho. AhdmbgmbmV dgwb ̂ mJ ̂ m§S>dbm_Ü`o 241.41 bmI BVH$s dmT> Pmbobr Amho.

^mJ ̂ m§S>db :- ~±Ho$Mo A{YH¥$V ̂ mJ^m§S>db ê$næmo Xhm H$moQ>r§Mo AgyZ Ahdmb gmb AIoa dgyb ̂ mJ^m§S>db ê$næmo 5,65,14,275/- BVHo$ Amho. ̂ mJ ̂ m§S>db dmT>rMo à_mÊm 74.57 Q>ŠHo$ Amho. ghH$ma H$mæmÚmVrb gwYmaÊmoZwgma ~±Ho$Àæmm nmoQ>{Zæm_mV ~Xb H$aÊmoV Ambm AgwZ ~±Ho$Àæmm àËæmoH$ ̂ mJmMr {H§$_V ê$.100/- dê$Z ê$.1000/- H$aÊmoV Ambm Amho. Var g^mgXmZr Oê$a Ëæmm aŠH$_oMm ^aÊmm H$ê$Z Amnbo ^mJ^m§S>dbmVrb {hñgm ê$.1000/- Àæmm nQ>rV VmVS>rZo H$ê$Z ¿æmmdm.

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^m§S>db næmm©ßVVm - {aÂmd© ~°§H$ Am°\$ B§S>ræmmÀæmm {ZH$îmmZwgma ^m§S>db OmoIr_ næmm©ßVVm n«_mÊm (CRAR) ~°§Ho$g {H$_mZ 9.00% AgÊmo AmdíæmH$ AgVmZm ho à_mÊm Amnëæmm ~°§Ho$Zo 14.32% BVHo$ amIbo Amho. æmmdê$Z Amnëæmm ~§°Ho$Mr Am{W©H$ úm_Vm {XgwZ æmoVo.

{dZm ghH$ma Zhr CÜXma, {dZm g§ñH$ma Zhr ghH$ma 3

4


Rodr - A{W©H$ ñW¡æmm©Àæmm Omoamda g_mOm_Üæmo {dídmgmh©Vm {Z_m©Êm Ho$boZo RodrMo ìæmmOXa AÝæm ~°§H$m§Àæmm VwbZoZo H$_r RodyZhr ~°§Ho$Àæmm Rodr_Üæmo dmT> Âmmbobr Amho. {X.31.03.2014 amoOr ~°§Ho$Àæmm EHy$Êm Rodr ê$.13779.26 bmI BVŠæmm hmoËæmm dîm©âmV Ëæmm_Üæmo ê$.443.35bmImMr dmT> hmoD$Z {X.31.03.2015 AIoarg ~±Ho$Àæmm Rodr ê$.14222.61 bmI BVŠæmm Âmmëæmm AmhoV. RodrXmam§Àæmm Rod aŠH$_oÀæmm gwaúmogmRr Rodr§Mm {d_m {S>.Amæm.gr.Or.gr æmm§MoH$So> CVa{dbm AgyZ Ëæmm§Mm {d_m hßVm {Zæm{_VnÊmo àËæmoH$ ghm_mhrg AmJdy ̂ abm OmVmo

H$Oo© - ~°§Ho$Àæmm Rodr {OVŠæmm OmñV {VVH$r ~°§H$ gwÑT>> hr g§H$ënZm AmVm ~Xbbobr Amho. AmVm ~°§Ho$Àæmm ìæmdgmæmmg _hËd n«mßV Âmmbobo Amho. ìæmdgmæm åhÊmOo Rodr A{YH$ H$Oo© hmoæm. ËæmmVhr H$Oo© A{YH$ _hËdmMr RaVmV. {X.31.03.2014 amoOr ~°§Ho$Mr EHy$Êm H$Oo© ê$.6578.17 bmI BVH$r hmoVr. Ahdmb gmbmV ËæmmV ê$.1633.37 bmImMr dmT> hmoD$Z Ahdmb gmb AIoa H$Oo© ê$.8211.54 bmI BVH$r Âmmbr AmhoV. H$O© dmT>rMm doJ 24.83 Q>ŠHo$ BVH$m Amho.

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g§JÊmH$rH$aÊm d V§ÍmkmZ - ~°§Ho$Zo n«YmZ H$mæmm©bæm Oæm{g§Jnya æmoWrb _w»æm B_maVrV AÚmdV d gwgÁO Ago S>mQ>m go§Q>a C^mabo Amho. H$moAa ~°§{H§$J gmoëæmwímZ (CBS) Mo H$m_H$mO nyÊm© Âmmbobo Amho. gd© ímmIm S>mQ>m go§Q>abm OmoS>ÊæmmV Amboëæmm AgwZ gd© ímmIm§H${aVm Centralised Activity H$mæmm©ÝdrV Âmmboëæmm AmhoV. æmmMm gd©M J«mhH$m§Zm bm^ hmoV Amho. æmm gw{dYmìXmao J«mhH$m§Zm ~±Ho$Àæmm H$moÊmËæmmhr ímmIoVyZ ~°§{H§$J gw{dYm {_iV Amho. ~±Ho$Zo ímmIm XÎmZJa d ímmIm Oæm{g§Jnya æmoWo E.Q>r.E_ gw{dYm CnbãY H$éZ {Xbr AgwZ ~±Ho$Àæmm J«mhH$m§Zm XmoÝhrhr E.Q>r.E_ _YwZ aŠH$_ H$mT>Vm æmoVo. gÜæmm ~°§Ho$Zo Amæm.gr.Amæm.gr.Amæm.~°§Ho$_m\©$V RTGS gw{dYm CnbãY H$ê$Z {Xbobr Amho. ~±H$ bdH$aM (NPCI) H$m`©àUmbr_Üò g_m{dð> H$aUma AgwZ ~±Ho$À`m J«mhH$m§Zm H$moUË`mhr ~±Ho$Àæmm E.Q>r.E_ _YwZ H$moRohr n¡go H$mT>Vm æmoVrb VgoM B§Q>aZoQ> ~±H$rJ d _mo~mB©b ~°§{H§$J gw{dYm CnbãY hmoÊmma Amho. VgoM ~±Ho$Zo go{ìh§J ImVoXmamgmR>r Aën aŠH$_oV àYmZ_§Ìr gwajm {d_m `moOZm d àYmZ_§Ìr OrdZ Á`moVr {d_m `moOZm Mmby Ho$br Amho. VgoM emgH$s` AmYma no_|Q> J°g g~{gS>r ImVoXmamÀ`m ImVoda O_m H$aUoMr gw{dYm CnbãY H$arV Amho.

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AZwËnmXH$ H$Oo© (N. P. A.) d VaVwX - ~±Ho$Zo g§nyÊm© dîm©^a AmXím© ìæmdñWmnZ nÜXVrMm Adb§~ H$ê$Z {ZæmmoOZ d gmVËæmnwÊm© dgwbr n«{H«$`m am~{dboZo {X.31.03.2015 AIoa EHy$Êm æmoÊmo H$O©~mH$rn¡H$r _wÔb ê$.429.70 bmI BVŠæmm aŠH$_oMr H$O© CÎnÝZ úm_Vm Zgboëæmm (EZ.nr.E) H$O} AgwZ ËæmmMo ̀ oUo H$Om©er T>mo~i n«_mÊm 5.29 Q>ŠHo$ Amho. æmm H$O© æmoÊmo nmoQ>r Ahdmbgmb AIoa ê$.356.01 bmI BVH$r VaVwX Ho$br AgwZ {Zìdi CÎnÝZ úm_Vm Zgboëæmm (EZ.nr.E) H$Om©Mo à_mÊm ímoH$S>m 0.95 Q>ŠHo$ Amho.

d¡Ym{ZH$ boImnarúmÊm - ~°§Ho$Mo gZ 2014-2015 Mo d¡Ym{ZH$ boImnarúmÊm S>m°.Ama.E.{ím§Xo, MmQ©>S©> AH$m¡Q§>Q> æmm§Zr Ho$bo AgyZ ~°§Ho$g boImnarúmÊm dJ© ""A'' {Xbobm Amho. boImnarúmÊm H$mbmdYrV ËæmmZr ~±Ho$Àæmm H$m_H$mOm~m~V g_mYmZ ìæmŠV H$ê$Z H$mhr _m¡{bH$ gyMZm Ho$boëæmm AmhoV Ëæmm~Ôb ~°§H$ Ëæmm§Mr AËæm§V Am^mar Amho. æmmìæmVrarŠV ~±Ho$Mm ñdV:Mm Am°S>rQ> {d^mJ AgyZ Ëæmm_m\©$V gd© ímmI§mMo {Zæm_rV boImnarúmÊm Ho$bo OmVo.

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5


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6


godH$ dJ© - Ahdmb gmbAIoa ~±Ho$V EHy$Êm 79 godH$ dJ© AgwZ Ëæmmn¡H$r 29 A{YH$mar, 38 {b{nH$, {ímnmB©, dm°M_Z d {ñdna {_iyZ 12 Aímr dJ©dmar Amho. g§ñWoMr àJVr hr godH$m§Mr {ZîRm d H$mæm©úm_Vm æmmda Adb§~yZ AgVo. ~±H$rJgma»æmm godm úmoÌm_Üæmo H$_©Mmèæmm§Mo æmmoJXmZ _moRo AgVo. ~±H$ ìæmdñWmnZ d H$_©Mmar æmm§ÀæmmVrb g§~Y gbmo»æmmMo d nañna ghH$mæmm©Mo amhrbo AmhoV. H$_©Mmèæmm§Mr gwa{úmVVm, gwIgmoæmr d àJVr æmmgmRr ~±H$ gX¡d àæmËZímrb AgVo. ~±Ho$Zo H$_©MmèæmmgmRr àm.\§$S>, J«°ÀæmwB©Q>r, \°${_br noÝímZ, ~moZg æmm æmmoOZm bmJw Ho$ëæmm AmhoV. AhdmbgmbmV godH$dJm©gmRr _oS>rH$b {d_m æmmoOZm A_§bmV AmÊmyZ Ëæmm§ÀæmmàVr ~±Ho$bm Agbobr H$iH$i ìæmŠV Ho$br Amho. Rodd¥ÜXr d H$O© dgwbr æmm§Mr CÜXrîQo> nwÊm© H$aÊmogmRr Ëæmm§Zr Ho$boëæmm AWH$ àæmËZm~Ôb _r Ëæmm§Mo AmnÊmm gdm©V\o©$ A{^Z§XZ H$aVmo. æmmnwTo>hr ~±qH$J úmoÍmmVrb Vrd« ñnYm© d ZdZdrZ AmìhmZm§Zm gm_moao OmÊæmmg godH$m§Zr {gÜX ahmdo d Amnëæmm ~±Ho$Mo Zmd CÁdb H$amdo Ago _r Ëæmm§Zm AmdmhZ H$aVmo.

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Am^ma d g_mamon - ~±Ho$Àæmm àJVrg CÚmZn§S>rV JUnVamdOr nmQ>rbgmho~ MoAa_Z, lr XËV eoVH$ar ghH$mar gmIa H$maIZm {b. {eamoi æmm§Mo _m¡brH$ _mJ©Xím©Z {_imboZo _r Ëæmm§Mm ímVím: G$Êmr Amho. ~±H$ AmOda Or ^ŠH$_ Am{W©H$àJVr æmím g§nmXZ H$ê$ ímH$br d Omo Zmdbm¡H$rH$ {_imbm Amho. Vo AmnÊm gd© gÝ_mZZræm g^mgX, RodrXma, {hV{M§VH$, godm nwadRmXma, {d{dY g§ñWm, CÚmoOH$, H$maImZXma æmm§Zr ~±Ho$bm godm H$aÊæmmMr g§Yr CnbãY H$ê$Z {Xbr Ëæmm~Ôb _r H¥$VkVm ìæmŠV H$ê$Z Ëæmm gdm©Mo Am^ma _mZVmo. {aÂmìh© ~±Ho$Mo A{YH$mar, {d^mJræm gh{Z~§YH$gmom, boImnarúmH$, _m.{Oëhm Cn{Z~Y§H$gmom, _m A{gñQ§>Q> a{OñQ´>ma, ghH$ma ImVo, _mÂmo ghH$mar g§MmbH$ d ímmIm gëbmJma, H$mæmXm gëbmJma, ìh°ëæmwEQ>a, ~°§Ho$Mo gam\$, {X.E_.Eg.gr ~±H$, {Oëhm _ÜæmdVr© ~±H$, ~±H$ \o$S>aoímZ, ~±H$ Agmo{gEímZ H$moëhmnya, lr.XÎm ímoVH$ar ghH$mar gmIa H$maImZm {b, {ímamoi. æmm§Zr Ho$bobo _mJ©Xím©Z d ghH$mæmm©~Ôb _r Ëæmm§Mo Am^ma _mZVmo. ~±Ho$Mo _w»æm H$mæm©H$mar A{YH$mar, _w»æm boImnmb, ímmIm{YH$mar, A{YH$mar d godH$ dJ© æmm§Zr ~±Ho$Àæmm àJVrV {g§hmMm dmQ>m CMbbobm Amho æmm§Mm _bm d _mÂæmm ghH$mèæmm§Zm A{^_mZ Amho. AmnÊmm gdm©Mo dmT>Vo àoo_, {dídmg d ghH$mæmm©Àæmm nmR~imda ~±Ho$Mm {dH$mg hmM Üæmmg _ZmV H$mæm_ H$arV ~±Ho$Àæmm àJVrVrb gmVËæm AgoM nwTo> Mmbw amhrb Aímr ½dmhr XoVmo d _mÂæmm AÜæmúmræm ̂ mîmÊmmMm g_mamon H$aVmo d _m. g§MmbH$ _§S>imÀæmm dVrZo ~°§Ho$Mm gZ 2014-2015 gmbmMm Vmio~§X Z\$m-VmoQ>mnÍmH$ d A§XmOnÍmH$ d Z\$m-{d^mJÊmr Amnëæmm g_moa gmXa H$aV AgyZ Ëæmmg g^mgXm§Zr _§Oyar Úmdr Aímr {dZ§Vr H$aVmo. YÝæmdmX

ñWi : OæmqgJnya{XZm§H$ : 21.07.2015

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7


d¡Ym{ZH$ boIm n[ajH$m§Mm eoam

_r O`qgJnya CXJm§d ghH$mar ~±H$ {b.,O`qgJnya, Vm. {eamoi, {O. H$moëhmnya ̀ m ~±Ho$Mo {XZm§H$ 31 _mM© 2015 amoOr g§nUmè`m dfm©Mo Z\$m-VmoQ>m nÌH$ d {XZm§H$ 31 _mM© 2015 amoOrMm n[a{eï>r` Vmio~§X, ~±Ho$Zo R>odbobr {hemo~r nwñVHo$, ìhm¡Mg© d _bm CnbãY H$éZ {Xboë`m AÝ` H$mJXnÌm§déZ Vnmgbm AgwZ _mPo d¡Ym{ZH$ boImn[ajUmMo H$m_mgmR>r d Ë`mMo nwV©VogmR>r _bm Amdí`H$ Vr _m{hVr d Iwbmgo {_imbo AmhoV. Ë`mZwgma _mÂ`m _Vo..

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2) _r Vnmgbobm Vmio~§X d Z\$m-VmoQ>m nÌHo$, ~±Ho$À`m {hemo~m§À`m nwñVH$m§er d {ddaUmer OwiV AmhoV.

3) _mÂ`m _Vo, XoÊ`mV Amboë`m g§nyU© _m{hVr à_mUo, VgoM _bm àmá Pmboë`m gd© emIm§À`m {hemo~ nÌH$mZwgma Am{U _bm XoÊ`mV Amboë`m IwbmemdéZ, ho {heo~ _hmamï´> ghH$mar g§ñWm§Mm 1960 d Ë`mImbrb {Z`_mÝdò Ano[jV Aem [aVrZo Amdí`H$ Vr _m{hVr XoVmV. _mÂ`m boImn[ajU Ahdmb ̂ mJ "A', "~', "H$' d n[a{eð> ̀ m_Üò Z_yX Ho$boë`m AdbmoH$Zmg AZwgéZ A) Vmio~§X nÌH$m~m~V {X. 31 _mM© 2015 ̀ m {XderÀ`m ~±Ho$À`m Am{W©H$ n[apñWVrMr d ~) Z\$m-VmoQ>m nÌH$mMo ~m~VrV Ë`m {XZm§H$mg g§nUmè`m Am{W©H$ dfm©À`m Zâ`mMr gË` d dmñVd pñWVr Xe©{dV Amho.

4) gZ 2014-2015 ̀ m dfm©gmR>r _hmamï´> ghH$mar g§ñWm§Mm H$m`Xm 1960 Imbrb {Z`_mZwgma ~±Ho$g ""A'' dJ© H$m`_ H$aUoV ̀ oV Amho.

S>m°. Ama. E. qeXo,

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{XZm§H$ : / /2015 10 07

àËòH$ ImË`mg dmagm Zm|X{dUo Amdí`H Amho.

8


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H$moUVohr ImVo CKS>VmZm AmoiInÌ d dmñVì`mMm XmIbm Amdí`H$ Amho.

9



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ñQ>oQ> ~±H$ Am°\$$ B§S>r`m emIm BMbH$a§Or

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EHy$U Jw§VdUwH$

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~oarO nwT>rb nmZmda

21,38,04,687-14

2,15,58,721-23

3,75,68,279-08

25,39,636-08

11,30,27,701-91

31,76,905-70

5,21,557-71

18,277-66

35,56,212-91

14,83,307-86

28,52,408-83

16,94,882-00

3,42,500-00

9,05,000-00

14,118-17

27,052-00

2,45,18,126-00

0-00

4,91,17,171-28

2,77,86,947-37

1,95,041-17

52,15,875-65

1,59,19,307-09

57,35,08,618-00

12,72,81,000-00

2,39,31,000-00

10,00,000-00

4,00,00,000-00

2,42,21,002-00

65,57,498-50

50,04,324-04

5,55,228.48

78,76,839-80

35,25,288-13

18,277-66

50,14,175-91

9,26,268-86

15,11,065-85

46,88,682-00

15,55,003-45

26,69,770-90

14,118-17

26,502-00

39,164-66

2,74,73,042-00

3,57,10,597-04

2,32,300-17

35,32,960-65

95,52,789-54

13,33,50,000-00

5,00,00,000-00

10,00,000-00

0-00

9,16,76,252-41

4,90,28,647-40

61,71,53,956-03

AeŠV d Xw~©bm§Zm Am{W©H$ g§ajU XoUmar åhUyZ ~±Ho$Mr AmoiI.

83,64,30,476-42 75,78,58,855-84

10



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11) {gÜXrnwVu R>od

dgybrMr {~bo

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1,48,91,48,458-29

23,20,389-00

5,37,553-60

31,71,08,309-00

0-00

4,18,01,529-00

1,52,60,007-00

28,62,592-00

12,30,26,297-00

13,72,770-40

92,62,564-00

2,18,68,813-00

2,03,34,749-29

8,33,954-50

1,44,19,187-79

3,000-00

5,00,000-00

87,024-00

0-00

49,607-00

18,405-00

31,100-00

9,21,769-00

9,64,444-00

0-00

25,00,000-00

6,258-00

11,74,676-00

5,91,532-60

34,77,41,920-00

5,43,86,357-00

5,23,93,204-00

1,94,86,429-00

27,93,771-00

8,80,34,900-00

7,54,467-00

97,60,125-29

23,500-00

7,31,001-00

13,774-00

2,88,500-00

18,584-00

11,230-00

36,500-00

2,40,479-00

17,63,850-00

4,500-00

26,15,400-00

0-00

1,56,81,96,813-86

1,633-00

1,02,24,389-00

2,54,57,895-00

1,62,61,910-29

H$m_mMr VËnaVm, gm¡OÝ`nwU© dmJUyH$

1,54,19,87,354-98 1,62,01,42,641-15

11



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83,64,30,476-42 3,00,00,000-001,00,00,000-00

0-000-00

2,00,00,000-0023,50,000-00

18,54,07,515-0026,07,18,053-00

1,02,050-001,000-00

1,00,950-00100-00

65,78,17,825-5526,71,17,970-3026,62.50,744-30

8,67,226-00

30,61,99,789-5630,50,10,997-56

11,88,792-00

8,45,00,065-698,45,00,065-69

0-00

13,72,770-40

1,76,40,965-0092,70.202-0029,27,046-0054,43,717-00

3,00,00,000-000-00

2,00,00,000-003,00,00,000-00

0-0023,50,000-00

23,39,93,886-0024,97,08,020-03

1,02,050-001000-00

1,00,950-00100-00

38,02,21,339-4636,67.83,905-461,34,37,434-00

31,89,90,000-7031,64,01,245-70

25,88,755-00

12,19,43,149-6112,19,43,149-61

0-00

1,02,24,389-0036,16,772-0053,40,876-00

75,78,58,855-84

82,11,54,489-77

1,633-00

1,91,82,037-00

àËòH$ g^mgXmZo Amnë`m ~±Ho$V ImVo CKS>mdo.

1,51,32,62,037-37 1,59,81,97,015-61

12



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77,27,013-45 1,01,28,916-51

1,62,01,42,641-15

1,01,28,916-51

1,54,97,14,368-43 1,63,02,71,557-66

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13



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61,79,594-001,11,87,395-20

2,902-001,05,103-00

86,10,881-0032,255-007,387-006,863-00

62,000-008,578-00

10,250-0039,250-00

63,00,000-0018,05,248-003,39,050-00

3,45,945-86

96,90,207-0043,04,957-00

1,00,87,664-202,611-00

84,082-00

32,255-007,387-006,775-00

64,624-008,578-00

10,000-000-00

52,71,750-0018,05,248-002,98,050-00

4,00,353-85

1,59,81,97,015-61 2,41,69,521-20

75,04,667-00

4,00,353-85

1,54,97,14,368-43 1,63,02,71,557-66

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9,23,16,029-009,19,60,750-00

3,55,279-00

1,09,21,942-8337,03,446-8341,82,654-008,40,391-004,78,802-003,27,909-001,46,533-00

12,42,207-00

24,17,509-004,82,000-00

29,533-001,14,911-00

2,500-0062,745-00

5,67,280-0011,58,490-00

50-00

1,04,11,580-2911,500-0078,210-0084,796-00

40,51,497-003,39,726-402,01,501-92

83,802-002,06,058-001,07,426-00

99,055-004,445-00

60,576-0023,749-0012,615-00

11,71,25,262-000-00

45,13,703-0055,23,017-0010,59,632-006,85,931-004,73,695-001,68,053-009,71,956-00

4,61,200-0051,197-9890,635-002,500-00

3,21,021-006,04,503-00

15,57,867-000-00

1,000-0089,750-0050,000-00

36,13,138-002,18,662-811,68,600-00

51,751-001,67,692-00

94,445-000-00

7,952-0021,036-0014,446-00

1,24,226-00

11,71,25,262-00

1,33,95,987-00

30,88,923-98

74,92,032-68

11,60,67,061-12

14

~oarO nwT>rb nmZmda

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14,11,02,205-66

15



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12,36,95,127-858,18,61,359-001,68,75,361-011,24,58,680-97

65,38,681-3059,61,045-57

63,94,761-723,89,946-25

8,050-001,48,080-00

59,475-0016,50,327-70

23,307-003,59,245-87

18,16,259-0019,40,000-90

70-00

10,24,12,431-752,20,10,744-46

89,95,155-351,33,63,658-551,10,41,413-52

2,95,213-7110,300-00

1,29,545-0074,585-00

0-0033,982-8569,324-95

25,32,375-0018,24,450-00

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15,78,23,403-63

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16

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11,60,67,061-124,803-00

260-0010,309-00

1,53,883-972,82,228-001,88,745-00

21,750-0011,73,253-00

41516-0010,796-00

0-006,07,357-00

79,437-003,72,285-00

21,00,000-00

62,95,815-007,80,000-005,00,000-00

25,00,000-009,50,000-00

10,65.815-005,00.000-00

77,27,013-45

6,859-00490-00

12,863-003,21,996-87

23,301-001,56,605-00

16,104-0014,60,658-001.68,540-00

3,944-0035,029-00

2,76,879-0069,798-00

3,16,267-000-00

54,00,000-006,00,000-00

21,00,000-0017,60,000-0010,52.157-976,50.000-00

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1,15,62,157-97

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17



{X .31-3-2014 ê$nò n¡go

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13,00,89,889-57

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18


SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES & NOTES FORMING PART OF THE BALANCE SHEET AS AT ST ST MARCH 31 MARCH, 2015 AND PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31 MARCH 2015

(1) Accounting convention : a) The financial statements are prepared under the historical cost convention, in accordance with the generally accepted accounting principles in India, the Accounting Standards issued by the Institute of Chartered Accountants of India and on the going concern concept except where where otherwise indicated. b) Items of income and Expenditure are accounted for on accrual basis, unless other stated.

(2) Revenue / Expenditure Recognition : a) Interest on performing advances is recognized on accrual basis. b) Interest on non performing advances is on realization basis. c) Interest on fixed income securities is recognized on accrual basis. d) Commission, Locker rent, income on the bank guarantees is recognized as income on realization e) Other items of income are recognized on realization basis. f) Revenue expenditure is accounted for generally on accrual basis.

(3) Advances : a) Advances are classified into standard, sub-standard, doubtful and loss assets in accordance with the guidelines issued by Reserve Bank of India from time to time. b) Provision on Advances categorized under sub standard, Doubtful and Loss assets is made in accordance with the guidelines issued by Reserve Bank of India. In addition, a general provision has been made on all standard assets as per Reserve Bank of India directives. (4) Investments : a) The bank has classified the investments in accordance with R.B.I. guidelines applicable to Urban Co-op. Banks. Accordingly, classification of investments for the purpose of valuation is done under the following categories. (i) Held to maturity (HTM), (ii) Available for Sale (AFS), b) Premium, on investment under HTM category is amortised over the residual life of the investment. c) Investments under "AFS" categories have been marked to market on the basis of guidelines issued by RBI, while net deprciation, if any, under each of the category has been provided for, net appreciation, if any has been ignored d) Investments are grouped under following three heads for disclosure in Balance Sheet as per RBI guidelines. (i) Central Government Securities (ii) Treasury Bills (iii) Shares in Co-op. Institutions.

(5) Fixed Assets and Depreciation : a) Fixed assets (Building) are stated at acquisition price less depreciation provided, other fixed assets are stated at written down value. b) Depreciation on fixed assets is provided for on the W.D.V. method at the rates prescribed by the management as under. (i) Furniture & Fixture 10% (ii) Computer & Software 33.33% iii) Dead Stock 10% (iv) Library 10% c) Depreciation on Fixed assets is charged for full year if assets is purchased and installed during the first six months of the year. If the assets is purchased and installed in the last six months then 50% of normal of depreciation is charged. No depreciation is charged on fixed assets sold during the year.

(6) Retirement Benefits : (A.S.-15) a) Provident fund and family pension Scheme contribution are deposited in the Office of the PF Commissioner and are accounted for on actual payment basis. b) Contribution to Group Gratuity Scheme of Life Insurance Corporation of India is made on the basis of actuarial valuation done by LIC and the same is charged to Profit and Loss Account.

(7) Taxes on Income : (A.S. - 22) a) Provision for current Tax is made as per provision of income Tax Act. 1961 on basis of estimated taxable income for the year.

(8) Other Notes : a) Reconciliation of Inter Branch Adjustment and Inter Bank Accounts as on 31-03-2015 are completed. Follow up for elimination of pending items therein is in progress.

(9) Net Profit : Net Profit has been arrived at after provisions on Performing Assets, Non Performing Assets, Investment Deprecia tion as fund and other usual and necessary provisions as per R.B.I. norms.

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ANNEXURE “A”

Name of the Bank : JAYSINGPUR UDGAON SAHAKARI BANK

LTD. JAYSINGPUR.

Head Office Address : Kolhapur Road, Opp. Police Station

Jaysingpur-416101, Tal. Shirol

Dist. Kolhapur Maharashtra 02322-225277

Date of Registration : 22.06.1960

Date & RBI Licence No. : UBD/ MH/ 956 p Dtd. 31.12.1987

Jurisdiction : Kolhapur and Sangli Districts

stPosition As on 31 March 2015

No. of Branches : 1+10 Branches = 11

Including Head Office

Membership : Regular - 10892

: Nominal - 1910

Paid up Share Capital : Rs. 565.14 Lakhs

Total Reserves &Other Funds : Rs.894.22 Lakhs

Deposits : Saving Rs. 2930.03 Lakhs

Current Rs. 412.09 Lakhs

Fixed Rs. 10880.49 Lakhs

` Total Rs. 14222.61 Lakhs

Advances : Secured Rs. 8051.28 Lakhs

Unsecured Rs. 160.26 Lakhs

Total Rs. 8211.54 Lakhs

Borrowings : Nil

Investments : Rs. 6171.54 Lakhs

Overdues % (Percent) : 8.95 %

Audit Classification : "A" Grade

Profit for the year : Rs. 101.29 Lakhs

Total Staff : 79

Working Capitals : Rs. 16200.46 Lakhs

Jaysingpur Br. Kurundwad Br. Dattanagar Br. Abdul Lat Br. Chandur Br.

Kavate Guland Br. Sangli Br. Khidrapur Br.Yadrav Br. Dattawad Br.

Tel. No. (02322) 226977Tel. No. (02322) 244296Tel. No. (02322) 237888Tel. No. (02322) 254877Tel. No. (0230) 2392177

Tel No. (02322) 276611 Tel No. (0233) 2330666 Tel No. (02322) 265777Tel No. (02322) 252527 Tel No. (02322) 241777

21


Our Branches

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22


BALANCE SHEET OF BANK DISCLOSURE OF INFORMATION AS ON ST31 MARCH 2015 IN TERMS OF RESERVE BANK OF INDIA CIRCULARS

Sr.No. Particulars 31.03.2014 31.03.2015

Capital to Risk Asset Ration (CRAR)

Investment in G. Sec. i) Book Value ii) Face Value iii) Market Value

Advances against Real Estate, Construction Business & Housing i) Real Estate ii) Housing iii) Builders and Developers

Advances against Shares and Debentures

Advances to Directors, their relatives, companies / firms inwhich they are interested i) Fund Based ii) Non Fund Based

NPAs : i) Gross NPAs Amount ii) Net NPAs Amount

Movement of NPAs Opening Balance Add : Additions during the year Less : Recovery during the year Closing Balance

Average Cost of Deposits

Profitability : i) Interest income as a percentage of working funds ii) Non interest income as a percentage of working funds iii) Operating Profit as percentage of working funds iv) Returns on Assets v) Business per employee vi) Profit per employee

Movements is provision i) Towards NPAs (BDDR) ii) Towards Depreciation on Investments iii) Towards Investments Fluctuation Reserve iv) Towards Standard Assets

Foreign currency assets and liabilities

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.28%

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Page 1Page 2Page 3Page 4Page 5Page 6Page 7Page 8Page 9Page 10Page 11Page 12Page 13Page 14Page 15Page 16Page 17Page 18Page 19Page 20Page 21Page 22

Documents

O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.jusbbank.com/annual-report/JUB-Ahwal-2015.pdf · 2018. 3. 29. · 1 O`qgJnya - CXJm§d ghH$mar ~±H$ {c. O`qgJnya (Vm. {eamoi) `m ~±Ho$Mr