2. WELCOME FINANCIAL POSITION. FINANCIAL RATIO. FUTURE – PLANNING. FORMATION OF KISAN CLUB. FORMATION OF SHG. FORMATION OF JLG. TO IMPLEMENT OF KCC UPTO THE LIMIT OF RS. 300000/- @ 7% TO IMPLEMENT OF SHORT TERM MULTIPURPOSE PRODUCT. TO EDUCATE THE PACS COMMITTEE MEMBER. CUSTOMER MEET/FINANCIAL INCLUSION CAMP DEPOSIT MOBILIZATION WEEK AT PACS LEVEL DURING THE HARVESTING SEASON. RECOVERY BY LEGAL ACTION. FERTILIZER THROUGH IFFCO SCHEME. FINANCIAL LITERACY CENTRE GURPREET KAUR ( CHIEF EXECUTIVE OFFICER )

5. THE AMBALA CENTRAL CO-OP. BANK LTD; AMBALA CITY. COMPARATIVELY FINANCIAL POSITION. (amount in lacs) PARTICULARS.2012-132013-1431.12.2014 NO. OF BRANCHES.29 NO. OF PACS.45 NO. OF STAFF AT BANK LEVEL129100 NO. OF STAFF AT PACS LEVEL (200 CLERK + 100 PEON.) 292 SHARE CAPITAL1710.791804.411923.64 (OUT OF GOVT. LESS THAN 25% )271.23 RESERVES.2045.782053.502053.53 DEPOSIT.28994.0330645.8531478.11 DEMAND DEPOSIT.13040.1113735.2013966.65 TIME DEPOSIT.15953.9216910.6517511.40 BORROWING.15721.0016965.0019992.00 LOAN OUT STANDING34226.2937203.8141413.23 S.A.O.27318.3330421.5534154.99 NON.AGRI.69.26429.13348.51 CASH CREDIT.4607.614503.574835.54 M.T. AGRI.205.60215.73376.90 NON AGRI. M.T.1860.211500.791591.53 H.B. LOAN.165.28133.04105.76 INVESTMENT11836.2510676.6810393.68 SLR INVEST (FD WITH APEX BANK. )7699.278169.277618.27 NON SLR4136.982507.412775.41 SHARE OF HARCO BANK.392.81450.26463.26 SHARE OF IFFCO.10.00 NABARD BOND.200.18 FD WITH O.B.C.1600.00400.000.00 FD WITH P.N.B. FD WITH ICICI. 1000.00 500.00 600.00 400.00 600.00 1055.00 OTHER TRUSTEE SECURITY.1.05 AGRI CREDIT STABLIZATION FUND.432.94445.92 INTT. RECOVERABLE.787.25896.101096.77 N.P.A.1060.45 (3.25%) 1344.32 (3.61%) 1138.15 (3.06%) OVERDUE.12094.65 (35.33%) 14581.36 (28.09%) 8543.16 (21.34%) CRAR8.13%7.66%7.80 PROFIT DURING THE YAER.+32.84+6.201427.03 ACCUMULATED LOSSES.0.00 IMBALANCES Audit Rating 384.39 (No. of soc 2) A 545.07 (No. of soc 5) A

6. THE AMBALA CENTRAL CO-OP. BANK LTD; AMBALA CITY. COMPARATIVELY FINANCIAL POSITION. (amount in lacs) PARTICULARS.2012-132013-1431.01.2015 NO. OF BRANCHES.29 NO. OF PACS.45 NO. OF STAFF AT BANK LEVEL129100 NO. OF STAFF AT PACS LEVEL (200 CLERK + 100 PEON.) 292 SHARE CAPITAL1710.791804.411953.68 (OUT OF GOVT. LESS THAN 25% )271.23 RESERVES.2045.782053.502053.53 DEPOSIT.28994.0330645.8531478.11 DEMAND DEPOSIT.13040.1113735.2013966.65 TIME DEPOSIT.15953.9216910.6517511.40 BORROWING.15721.0016965.0020981.00 LOAN OUT STANDING34226.2937203.8141413.23 S.A.O.27318.3330421.5534154.99 NON.AGRI.69.26429.13348.51 CASH CREDIT.4607.614503.574835.54 M.T. AGRI.205.60215.73376.90 NON AGRI. M.T.1860.211500.791591.53 H.B. LOAN.165.28133.04105.76 INVESTMENT11836.2510676.6810138.68 SLR INVEST (FD WITH APEX BANK. )7699.278169.277418.27 NON SLR4136.982507.412720.41 SHARE OF HARCO BANK.392.81450.26508.26 SHARE OF IFFCO.10.00 NABARD BOND.200.18 FD WITH O.B.C.1600.00400.000.00 FD WITH P.N.B. FD WITH ICICI. 1000.00 500.00 600.00 400.00 600.00 955.00 OTHER TRUSTEE SECURITY.1.05 AGRI CREDIT STABLIZATION FUND.432.94445.92 INTT. RECOVERABLE.787.25896.101096.77 N.P.A.1060.45 (3.25%) 1344.32 (3.61%) 1138.15 (3.06%) OVERDUE.12094.65 (35.33%) 14581.36 (28.09%) 8543.16 (21.34%) CRAR8.13%7.66%7.80 PROFIT DURING THE YAER.+32.84+6.201427.03 ACCUMULATED LOSSES.0.00 IMBALANCES Audit Rating 384.39 (No. of soc 2) A 545.07 (No. of soc 5) A

7. PARTICULARS.March 2012. March 2013. March 2014. YIELD ON ASSETS.8.09%7.90%7.63% COST OF FUND.5.31%5.66%5.41% COST OF MANAGEMENT. 2.49%2.55%2.07% COST OF MARGIN.0.44%0.08%0.15%

8. THE AMBALA CENTRAL CO-OPERATIVE BANK LTD; AMBALA CITY. DETERIORATING FACTOR. Sr.Particulars201220132014 1Yield on Assets 7.397.907.63 2Intt. Paid on Assets 4.605.665.41 3Financial Margin 2.792.242.22 4MISC Income 0.030.430.11 5Cost of Management 2.302.552.07 6Risk Cost 0.04 7Net Margin 0.480.080.11 Sr.Particulars201220132014 1HARCO bank Level5.00 % 2CCB Level5.50 % 3PACS Level 7.00% Year 2012Year 2013Year 2014 69.43% 74.58%71.91% Year 2012Year 2013Year 2014 7.20 %3.25 %3.61 % INTT. RECOVARABLE ( WHICH COULD NOT BE TREATED INCOME DUE TO IRAC NORM ) ( Amt in Lacs.) Year 2012 Year 2013Year 2014 798.50 787.72896.10 Interest Margin Lending Rate. Recovery. N.P.A. CRAR. Year 2012Year 2013Year 2014 10.64 %8.13 %7.66 % PROFIT DURING THE YEAR Year 2012Year 2013Year 2014 +134.24+32.84+6.20

9. Accumulated Loss up to 2007-20081243.94 Lacs Profit 2009+953.54 Lacs Profit 2010+282.16 Lacs Accumulated Loss in 2010 -8.27 Lac Loss in 2011 -118.53 Lcs. Total Accumulated Loss upto 31 March, 2011 -126.80 Lacs.. Profit 31 st March 2012 +134.81 lacs. Net Profit +8.01 lacs. Profit 31 st March 2013 +32.84 Lacs Profit 31 st March, 2014 +6.20 lacs

10. Formation of Kisan Club : 26 Kisan Club organized in village by the PACS. Monthly Meeting. Soil testing, Animal- Husbandry Doctors. Horticulture Scientist are participating in Kisan Club Meeting. Helpful in provided Credit & Recovery of Loan. A Federation of Kisan Club is to be organized with the assistant by NABARD. Self Help Group : SHG has been organized in the village. Saving habit created. Credit provided to them. Help full in financial Inclusion. Education – Health. Awareness Program are organized in village. Joint Liability Group : JLG are to be organized in Rabi Crop season. KCC : KCC provided to 335 framer up to the 3.00 Lacs @ 7% Subvention Scheme Credit - Gap To financing Agri. Implements, ( High cost ) Farm Sector, N.F.F., Cash Credit, One Year for Consumption.