Pavana Bank (Running Pages) 2014pavanabank.com/annual-report-2014.pdf · {XZm§H$ : 28-8-2014 Mr\$ EŠPrŠ`wQ>rìh Am°{\$ga ... ^a nSy>Z d 99 g^mgX H$_r hmodyZ 31 _mM© 2014 AIoa

$Page 1: Pavana Bank (Running Pages) 2014pavanabank.com/annual-report-2014.pdf · {XZm§H$ : 28-8-2014 Mr\$ EŠPrŠ`wQ>rìh Am°{\$ga ... â nSy>Z d 99 g^mgX H$_r hmodyZ 31 _mM© 2014 AIoa$





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41 dm dm{f©H$ Ahdmc 2013-201416

INDEPENDENT AUDITOR’S REPORT

To,

The Members,Pavana Sahakari Bank Ltd.,PunePlot No.83, D- II Block, MIDC, TELCO Road,Chichwad, Pune 411019

Report on the Financial Statements as a Statutory Auditor

1. We have audited the accompanying financial statements of the Pavana Sahakari Bank Ltd.,Pune which comprisethe Balance Sheet as at 31st March 2014 and the Statement of Profit and Loss for the year ended, and a summaryof significant accounting policies and other explanatory information incorporated in these financial statements ofthe Bank along with its Branches audited by us for the period 1st April 2013 to 31st March 2014.

Management’s Responsibility for the Financial Statements

2. Management is responsible for the preparation of these financial statements in accordance with Maharashtra Co-operative Societies Act 1960, Banking Regulation Act, 1949 (A.A.C.S.) and RBI / NABARD Guidelines. Thisresponsibility includes the design, implementation and maintenance of internal control relevant to the preparationof the financial statements that are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility

3. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted ouraudit in accordance with the applicable Standards by The Institute of Chartered Accountants of India and underthe MCS Act / BR Act / RBI guidelines. Those Standards require that we comply with ethical requirements andplan and perform the audit to obtain reasonable assurance about whether the financial statements are free frommaterial misstatement, whether due to fraud or error.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in thefinancial statements. The procedures selected depend on the auditor’s judgment, including the assessment of therisks of material misstatement of the financial statements, whether due to fraud or error. In making those riskassessments, the auditor considers internal control relevant to the Bank’s preparation and fair presentation of thefinancial statements in order to design audit procedures that are appropriate in the circumstances. An audit alsoincludes evaluating the appropriateness of accounting policies used and the reasonableness of the accountingestimates made by management, as well as evaluating the overall presentation of the financial statements.

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our auditopinion.

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1741 dm dm{f©H$ Ahdmc 2013-2014


Opinion

6. In our opinion and to the best of our information and according to the explanations given to us, the said accountstogether with the notes thereon give the information required by the Banking Regulation Act, 1949 (A.A.C.S.) aswell as the Maharashtra Co-operative Societies Act 1960, in the manner so required for the bank and give a trueand fair view in conformity with the accounting principles generally accepted in India:

(i) in the case of the Balance Sheet, of the state of affairs of the Bank as at 31st March 2014

(ii) in the case of the Statement of profit and loss of the profit/loss for the year ended on that date

and

(iii) in the case of the Cash Flow Statement for the year ended on that date

Report on Other Legal and Regulatory Matters

7. The Balance Sheet, Profit and Loss Account and the Cash Flow Statement have been drawn up in accordancewith the provisions of Section 29 of the Banking Regulation Act, 1949 read with provisions of the MaharashtraCo-operative Societies Act, 1960 and Maharashtra Co-operative Societies Rules 1961.

8. We report that :

(i) We have obtained all the information and explanations which, to the best of our knowledge and belief, werenecessary for the purpose of our audit and have found them to be satisfactory.

(ii) The transactions of the Bank, which have come to our notice, have been within the powers of the Bank(iii) The returns received from the offices and branches of the Bank have been found adequate for the purposes

of our audit.

9. In our opinion, the Balance Sheet and Profit and Loss Account comply with applicable Accounting Standards.

10. We further report that :

(i) The Balance Sheet and Profit and Loss Account and Cash Flow Statement dealt with by this report, are inagreement with the books of account and the returns.

(ii) In our opinion, proper books of account as required by law have been kept by the Bank so far as appearsfrom our examination of those books.

(iii) The reports on the accounts of the branches audited by us have been dealt with in preparing our report inthe manner considered necessary by us.

(iv) For the year under audit, the bank has been awarded “A” classification.

For Muttha & LahotiChartered Accountants

Place: Pune F.R.NO.126769WDate : 18.06.2014

CA.Harshal Muttha(M. No.108114)Partner


41 dm dm{f©H$ Ahdmc 2013-201418

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41 dm dm{f©H$ Ahdmc 2013-201420

SIGNIFICANT ACCOUNTING POLICIES AND NOTES TO ACCOUNTSA. SIGNIFICANT ACCOUNTING POLICIES :

1) ACCOUNTING CONVENTIONS :

The financial statements are prepared under historical cost conventions and on the Going Concern Basis and in accordancewith Generally Accepted Accounting Principles and Practices prevailing in Co-operative Banks in Maharashtra except asotherwise stated.

The preparation of financial statements requires the management to make estimates and assumptions. Managementbelieves that the estimates used in preparation of the financial statements are prudent and reasonable.

2) INVESTMENTS :

i) The investments in SLR and NON SLR securities are bifurcated into Held to Maturity (HTM) and Available forSale (AFS).

ii) Profit / Loss on sale of investments are taken to profit & Loss account.

iii) The premium on securities under Held To Maturity (HTM) category is amortized annually over the remainingperiod of maturity proportionately.

iv) In case of securities under AFS category, the diminution in the value of investments is fully provided for.

v) Valuation of Investments :

a) AFS Investments are valued at cost or market price whichever is lower for quoted and unquoted securities.Depreciation, if any, is provided separately as per RBI guidelines.

b) Interest accrued up to date of acquisition of securities (i.e. broken period interest) is excluded from theacquisition cost and recognized as interest expenses. Broken period interest received for the period ofholding the securities is recognized as interest income on sale of securities.

vi) While disposing of the securities, bank generally follows FIFO method.

3) ADVANCES :

i) Bank follows R.B.I. guidelines & circulars issued on Income Recognition, asset classification, Provisioning &Other Related matters.

ii) General provision on Standard Assets is made as per R.B.I guidelines i.e. @ 0.40 % on all types of standard assetsexcept in the case of advances to Agriculture and SME sector on which provisioning @0.25% and on Builderfinance @1% and in case of commercial real estate – Residential Housing (CRE-RH) 0.75% are made.

iii) Classification and provisioning in respect of non-performing advances are made as per the guidelines of RBI andprovisioning is made full to make Net NPA 0%.

iv) Unsecured advances as shown in the balance sheet includes the advances which were secured at the time ofsanction but turned into unsecured at the time of date of reporting.

4) FIXED ASSETS :

i) Fixed Assets are stated at cost less depreciation. Cost is ascertained as purchase price increased by cost attributableto bringing the assets to working conditions.

ii) The Accounting Standard 10 on Fixed Assets issued by The Institute of Chartered Accountant requires a disclosureof Gross Block at cost less accumulated depreciation on Fixed Assets. However, Balance sheet is prepared as perSchedule III of the Banking Regulation Act 1949.

iii) Premises include Land & Buildings.

iv) Leasehold Land is amortized over the period of lease. Capital Expenditure, Stamp duty and registration charges onlease hold premises are amortised over the period of lease.

v) Borrowing Cost if any, directly attributable to Acquisition, Construction, Production of Qualifying Assets may becapitalized

vi) Impairment of Assets if any is identified by the Bank on an ongoing basis and same is provided for if applicable asper AS-28.

2141 dm dm{f©H$ Ahdmc 2013-2014


iv) vii) There was no revaluation of any fixed assets during the year. Bank has not finalized any policy on revaluationof the fixed assets.

The Bank has not given any of these assets on sub-lease.

5) DEPRECIATION :

i) Depreciation on Fixed Assets is provided at following rates & methods:

Sr. No DESCRIPTION OF THE ASSET DEPRECIATION RATE METHOD

1 Building 10% W.D.V.

2 Computers Hardware, Allied Peripherals & Computer Software 33.33% S.L.M.

3 Electrical Equipments 15% W.D.V.

4 Vehicles 15% W.D.V.

5 Furniture & Dead Stock 10% W.D.V.

ii) Depreciation on Computers is provided on Straight Line Method @ 33.33% as per guidelines issued by RBIirrespective of Date of Purchase.

iii) Depreciation on addition to Fixed Assets during the financial year is provided at 100% of the rate of depreciation,if the asset is put to use for 180 days and above during the year and at 50% of the rate of depreciation, if the assetis put to use for less than 180 days during the year.

6) TAXATIONTax Expense comprises of Current and Deferred Tax. Current Income Tax is measured at the amount expected to be

paid to the Tax Authorities in accordance with Indian Income Tax Act, 1961. Deferred Income Tax reflects the impact ofCurrent year timing differences between taxable Income and accounting Income for the year and reversal of timing differencesof earlier years.

Deferred Tax is measured based on the Tax rates and the Tax laws enacted or substantively enacted at the balance sheetdate. Deferred Tax assets are recognized only to the extent that there is reasonable certainty that sufficient future taxable Incomewill be available against which such deferred tax assets can be realized. In situations where the bank has unabsorbed depreciationor carry forward tax losses, all deferred tax assets are recognized only if there is virtual certainty supported by convincingevidence that they can be realized against future taxable profits.

The Unrecognized deferred tax assets are reassessed by the Bank at each balance sheet date and are recognized to theextent that it has become reasonably certain or virtually certain, as the case may be, that sufficient future taxable Income will beavailable against which deferred taxes can be realized.

The carrying cost of the deferred tax assets are reviewed at each balance sheet date. The bank writes down carryingamount of deferred tax assets to the extent that it is no longer reasonably certain or virtually certain as the case may be thatsufficient future taxable

Income will be available against which deferred tax asset can be realized . Any such write down is reversed down to theextent that it becomes reasonably certain or virtually certain, as the case may be, that sufficient future taxable income will beavailable.

7) RECOGNITION OF INCOME AND EXPENDITURE :

Income / Expenditure are generally accounted on accrual basis except in the following cases:

i) Interest received on Non performing Advances is accounted on actual recovery of interest as stipulated by R.B.I.Guidelines.

ii) Interest on Matured Deposit provided as per current saving account rate up to provisioning quarter. Actual interestpayable is accounted at the time of payment as per the policy of the bank prevailing at that time.

iii) Dividend on Investment in shares on receipt basis.

8) EMPLOYEES’ RETIRMENT BENEFITS :

For gratuity payable to the employees, Bank has created a separate trust to administer a defined benefit plan with LifeInsurance Corporation of India (LIC). The fair value of the trust assets (net of liabilities) out of which the obligations are to be


41 dm dm{f©H$ Ahdmc 2013-201422

settled directly are been deducted from the present value of the defined benefit obligation and the net total in case of shortfallif any would be recognized as liability in the balance sheet. Provision for gratuity payable is made on the basis of demandreceived from Life Insurance Corporation of India with whom the Group Gratuity Policy has been availed. The contribution toProvident fund is as per the Provident Fund rules. Leave encashment provision is made as per the liability accrued as on date asper the policy of the bank.

1 Discount Rate 9.20%

2 Expected Return on plan assets 8.50%

3 Salary Escalation Rate 5% p.a.

4 Reconciliation of opening and closing balance of the present value of the defined benefit obligation

I Present value of obligation as at 01.04.2013 52.44

II Interest Cost 4.14

III Current service cost 6.63

IV Benefits Paid (1.39)

V Actuarial gains/ (loss) on obligations 5.50

VI Present value of obligation as at 31.03.2014 67.32

5 Reconciliation of opening and closing balance of fair value of fair plan assets

I Fair value of plan assets as at 01.04.2013 53.87

II Expected Return on plan assets 4.91

III Contributions 9.15

IV Benefits paid (1.39)

V Actuarial gains/ (loss) on plan assets 0.52

VI Fair value of plan assets as at 31.03.2014 67.06

6 Amount recognized in Balance Sheet

I Present value of obligation as at 31.03.2014 67.32

II Fair value of plan assets as at 31.03.2014 67.06

III Net Asset/(liability) recognized as at 31.03.2014 (0.26)

7 Expenses recognized in Profit & Loss Account

I Current service cost 6.63

II Interest Cost 4.14

III Expected Returns on plan assets (4.91)

IV Actuarial Loss/ (gain) 4.98

V Expenses of current year 10.84

Information pursuant to Accounting Standard 15 as per theInstitute of Chartered Accountants of India

(Rs. In Lakh)

(As per acturial valuation)

GRATUITY(FUNDED) 31.03.2014

SR NO PARTICULARS

2341 dm dm{f©H$ Ahdmc 2013-2014


9) NET PROFIT OR LOSS FOR THE PERIOD, PRIOR PERIOD ITEMS AND CHANGES INACCOUNTING POLICIES :

i) Accounting policies generally followed have been consistently applied over the years and no material departureshave taken place during the year.

ii) Prior period items if not material are not recognized in the financial statement.

10) VALUATION OF STATIONERY STOCK:

Stock of sensitive stationery includes cheque books, demand draft books, pay-order books and fixed deposits receipts. Thesaid stock is valued at cost.

11) PROVISIONS, CONTINGENT LIABILITIES AND CONTINGENT ASSETS

A Provision is recognized when Bank has a present obligation as a result of past event where it is probable that anoutflow of resources will be required to settle the obligation at the Balance Sheet date. These are reviewed at each balancesheet date and adjusted to reflect current best estimates.

A disclosure of Contingent liability is made when there is:-

a) A possible obligation arising from a past event, the existence of which will be confirmed by occurrence or non occurrenceof one or more uncertain future events not within the control of bank or

b) A present obligation arising from past event which is not recognized as it is not probable that an outflow of resources willbe required to settle the obligation or a reliable estimate of amount of obligation cannot be made.

c) When there is a possible or a present obligation in respect of which the likelihood of outflow of resources is remote , noprovision or disclosure is made.

B) NOTES ON ACCOUNTS:

I Contingencies and events occurring after Balance Sheet date :

No significant events arisen after the Balance Sheet date, which could have effect on the financial position as on31.03.2014, to a material extent.

Dividend recommended by the Board of Directors shall be paid after getting approval from the members in General Bodymeeting.

II. Related Party Disclosures :

The Bank has disclosed material particulars of loans to Directors’ relatives outstanding as on 31.03.2014. No freshloans have been given to the Directors and their relatives in compliance with RBI directives. In terms of RBI Cir dt. 29/03/2003, the key managerial personnel i.e. Mr. M. B. Borhade, the CEO-In-Charge of the bank, being single partycovered by this category, no further details need to be disclosed.

III. Impairment Of Assets :

As required by Accounting Standard (AS 28) on “IMPAIRMENT OF ASSETS “ issued by The Institute ofChartered Accountants Of India, in the opinion of the Directors there is no impairment of assets of the Bank which is notprovided for.

IV. Contingent Liabilities :

Contingent Liabilities on account of Bank Guarantees and Letter of Credit is Rs. 15.80 Lacs (Previous year 16.40 Lacs)

V. Disclosure regarding prudential guidelines on management of Non SLR investments portfolio as required vide para 16 ofRBI Guidelines dated 15.04.2004:


41 dm dm{f©H$ Ahdmc 2013-201424

Issuer Composition of NON SLR Investments: (Rs. in crore)

No. Issuer AmountExtent of ‘below

investment grade’Securities

Extent of‘unrated’securities

Extent of‘unlisted

securities’

1 PSUs 0.00 0.00 0.00 0.00

2 All India FIs 0.00 0.00 0.00 0.00

3 Nationalized Banks 6.40 0.00 0.00 0.00

4 Others 45.01 0.00 0.00 0.00

5 Provision held towards depreciation 0.00 0.00 0.00 0.00

Total 51.41 0.00 0.00 0.00

Non Performing NON – SLR Investments:

Particulars Amount (Rs. Crore)

Opening Balance -- Nil --

Additions during the year -- Nil --

Reductions during the year -- Nil --

Closing balance -- Nil --

Total Provisions held -- Nil --

Sr. No. Particulars 31.03.2013 31.03.20141 Capital to Risk Weighted Assets Ratio% (CRAR) 16.00 16.70

a) Tier I Capital to Total Risk Weighted Assets % 14.13 15.36

b) Tier II Capital to Total Risk Weighted Assets % 1.87 1.34

2 Movement of CRAR % (-) 0.70 (+) 0.70

3 Investments

a) Book Value 8269.3 9215.95

b) Face Value 8400.00 9400.00

c) Market Value 8321.98 9197.63

4 Advances against Real Estate, Construction Business, Housing

a) Real Estate / Construction Business 1012.19 1739.65

b) Housing 2179.37 2346.42

5 Advances against Share and Debentures 0.00 0.00

6 Advances to Directors, their relatives, companies and firms in which they are interested

a) Fund based 22.17 39.81

b) Non fund based (Guarantees, Letter of Credit) — —

7 Average Cost of Deposit % 6.87 7.49

8 NPAs

VI. In terms of RBI Directives, following additional disclosures are made: (Rs. In lakhs)

2541 dm dm{f©H$ Ahdmc 2013-2014


Note: Previous Year Figures have been re-stated wherever necessary to confirm to Current Year’s Classification.

VII. Particulars of Accounts Restructured (Rs. In Lakh)

a) Gross NPAs 330.55 275.85

b) Net NPAs 0.00 0.00

9 Movement in NPAs

a) Gross NPAs -110.62 -54.70

b) Net NPAs 0.00 0.00

10 Profitability

a) Interest income to working funds % 9.34 10.02

b) Non interest income to working funds % 0.38 0.29

c) Operating Profit to working funds% 2.34 2.11

d) Return on Assets% 1.35 1.30

e) Business per employee (Deposits + Advances) 580.72 553.11

f) Profit per employee 5.46 5.04

11 Provision towards

a) NPAs 567.00 632.00

b) Depreciation on Investment 59.00 45.56

c) Standard assets 100.00 100.00

12 Movement in Provisions

a) NPAs + 67.00 + 65.00

b) Depreciation on Investment 9.00 —

c) Standard Assets +25.00 —

13 Foreign Currency Assets and Liabilities (if applicable) N.A. N.A.

14 Date of Premium paid to DICGC 16.05.2013 02.05.2014

Standard advances No. of Borrowers — — —

restructured

Amount outstanding — — —

Sacrifice (diminution in the fair value) — — —

Sub standard No. of Borrowers — — —

advances restructured Amount outstanding — — —

Sacrifice (diminution in the fair value) — — —

Doubtful advances No. of Borrowers — — 1

restructured Amount outstanding — — 0.12

Sacrifice (diminution in the fair value) — — 0.05

TOTAL No. of Borrowers — — 1

Amount outstanding — — 0.12

Sacrifice (diminution in the fair value) — — 0.05

Housing Loans SME DebtRestructuring

Others


41 dm dm{f©H$ Ahdmc 2013-201426

VIII. Movement in NPA , BDDR (Rs in lakhs)

IX. Change in Accounting Policy regarding charging of overdue interest on matured term deposits:Bank had charged interest on overdue (matured term) deposits after a gap of 30 days at the originally contracted rates till

the year 2010-2011. With effect from the year 2011-2012 the policy in this respect has been changed as per RBI norms andinterest @ 4% p.a. is provided immediately after becoming overdue.

X. Previous year’s figures have been regrouped wherever necessary.XI. Disputed Income Tax Liability –

There are no disputed liabilities as on 31st March, 2014.

XII. Provisions, Contingent Assets & Contingent Liabilities – (AS 29)The bank has made provisions for Special reserve as per Income Tax Act, BDDR, Standard Assets and Depreciation on

Investments and other necessary provisions.

Movement in Special Reserve, BDDR, Provision for Standard Assets and Investment Depreciation reserve and othernecessary provision is as under -

Movement in Gross NPA

Particulars 2012-2013 2013-2014

Opening Balance 441.17 330.55

Additions 77.86 77.42

Reduction due to recovery 188.48 132.12

Closing Balance 330.55 275.85

Particulars 2012-2013 2013-2014

Opening Balance 500.00 567.00

Additions by transfer from profit & loss account 67.00 65.00

Closing Balance 567.00 632.00

Movement on Provision for NPA

Particulars 2013-2014

Opening Balance 764.00

Additions by transfer from 76

Reduction write backs (13.44)

Closing Balance 826.56

(Rs in lakhs)

XIII. Income Tax Expenses debited to Profit & Loss Account consist of –(Rs in Lakhs)

Provision for Income Tax for A Y 2014-15 241.78Tax on Regular Assessment A Y 2008-09 0.11

241.89

For Pavana Sahakari Bank Limited. Pune As per our report of even dateFor M/s. Muttha & LahotiFRN.:126769W

Chief Executive Officer Director CA Harshal Muttha Date:18/06/2014 M.No.:108114

PartnerVice Chairman Chairman Date : 18-06-2014

2741 dm dm{f©H$ Ahdmc 2013-2014


For the Year Ended 31st March, 2014 (Rs. In Lakhs)

YEAR ENDED YEAR ENDED

31.03.2014 31.03.2013

A) Cash flow from Operating Activities

Net Profit as per P & L 534.76 502.41

Add: Adjustments for

1 Depreciation on Assets 51.33 56.85

2 Loss From Sale of or dealing with Banking assets 1.63 0.02

3 Amortisation of Govt. Security Premium 4.35 5.81

4 Education Fund 0.30 0.30

5 Provision for BDDR 65.00 67.00

6 Standard Asset Provision 0.00 25.00

7 Investment Fluaction Reserve 0.00 15.00

8 Special Reserve (income Tax) 11.00 11.00

9 Deferred Tax Liability 0.00 1.52

10 Bad Debts written off 17.24 150.85 - 182.50

685.61 684.91

Less :-

1 Profit on Sale of Assets 1.85 0.21

2 Dividend income 0.03 0.03

3 Deferred Tax Assets 0.54 0.00

4 Profit on Sale of Securities 1.00 3.42 15.03 (15.27)

Adjustments for 682.19 669.64

1 Increase in Advances (1908.67) (5963.38)

2 Interest Receivable (74.88) 11.67

3 Increase in Investments (1716.65) (1250.91)

4 Increase in Other Assets 14.26 (59.26)

5 Increase in Deposits 3312.61 6881.28

6 Decrease in Other Liabilities (29.82) (403.15) (51.67) (432.27)

Net Cash generated from Operating Activities (A) 279.04 237.37

Cash Flow Statement


41 dm dm{f©H$ Ahdmc 2013-201428

B) Cash flow from Investing Activites

1 Dividend received 0.03 0.03

2 Increase in Fixed Assets (44.22) (116.66)

Net Cash generated from Investing Activities (B) (44.19) (116.63)

C) Cash flow from Financing Activites

1 Increase in Share Capital 210.62 325.30

2 Dividend Paid (172.61) (128.00)

3 Reserves & Funds (10.52) 12.68

Net Cash generated from Financing Activities (C ) 27.49 209.98

Net Increase in Cash & Cash Equivalents (A+B+C) 262.33 330.72

Cash & Cash Equivalents at the beginning of the year 1,245.42 914.70

Cash & Cash Equivalents at the end of the year 1,507.75 1,245.42

Cash & Cash Equivalents 31.03.14 31.03.13

CASH 241.33 215.60

Bank Balance

a) With Co-op & Nationalised Banks 1,266.42 1,029.39

b) With Sch. Co-op & Commercial Banks - 0.43

1,507.75 1,245.42

Note:- Corresponding figures for the previous year have been regrouped and restated where ever found necessary.

For Pavana Sahakari Bank Limited. Pune As per our report of even dateFor M/s. Muttha & Lahoti

Chartered Accountants FRN :126769W

Chief Executive Officer Director

CA Harshal Muttha Partner

Vice- Chairman Chairman M. No. 108114


Documents

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