ANDHRA PRAGATHI GRAMEENA BANKHEAD OFFICE:: KADAPA

AUDITED BALANCE SHEET AS ON 31.03.2019

CAPITAL AND LIABILITIES

CAPITALRESERVES AND SURPLUSDEPOSITSBORROWINGSOTHER LIABILITIES AND PROVISIONSTOTAL

ASSETS

CASH AND BALANCES WITH RBIBALANCES WITH BANKS AND MONEYAT CALL AND SHORT NOTICEINVESTMENTSADVANCES(Net)FIXED ASSETS(Net)OTHER ASSETSTOTAL

Contingent LiabilitiesBills for Collection

6

Ru es in Thousands31.03.2019

204999644

8721 17 4 6398424

789

1011

't2

ASAGe lvlanager

572212548320860

136864680477626

4893179

753169949122713

1 13898219506184

5661393204999644

276992

p(M

Chief Manager

Place. KADAPADate: 03 06 2019

(Dr K MUKTESHWAR RAO)General Manager

) (A VE REDDY)Chairman

(G. SUR A AYANA)ctor

ftn- tl*'

(A, K,MISHRA)Director

Urector

For M/s G R. KUMAR& CO LLPChartered Accountants

Firm Registration No. 04941S

CA G.Lakshrni Kantha, FCAPartner

Membership No.201477

31.03.2018

42342619362514

130641578288022654488849

183718632

ScheduleNo

1

2345

1837',t8632

42342621674323

143247817352743014379777

208520

(A SAMBI REDDY)Director

tsHNA)ger

^' o, *nJoTSpJ,BL-o

HIEAEPXA BAN K

PROFTT & LOSS ACCOUNT FOR F.y 31.03.2019

ArO

(Dr. K. MUKTESHWAR RAO)General Manager

ief Mana

rG suR YANA)D

A v\-/-,r

(A K.MtSHRA)Director

PRAS4 (AMana Chairma

REDDY)nI

)

&.-.

(R R)rrector

MA R

For M/s G.R KUMAR& CO LLp_. _CharteredAccountantsrrrm Registration No. 04941S

t

CA G.Lakshrni Kantha, FCA

UR Sp n ThouSa dnSchedule

No13 30 20 1 9 13 30 120 8

1314

167760182634950

152511642254416

1 9410968 1 7505580

't51617

956896055834691946730

918577035413322715338

1 7099159 1

231 ., 809 2063140

1 9410968 1 7505580

EXPENDITURElnterest ExpendedOperating Expenses

fffi1'r3'o co,,n0""""'

ADD Net profit for the year

TOTAL

INCOME

lnterest EarnedOther lncomeTOTAL INCOME

.t 4ccPartner

Membership No 2O147t

(M

See-(A, SAMBI RE'DY)

Director

Place: KADApADate: 03.06.2019

ANDHRA PRAGATHI GRAMEENA EANK

HEAD OFFICE : KADAPA

SCHEDU LES TO BALANCE SHEET

SCHEDULE l CAPITALRs. in 000

Pa rticu la rs 31.03.19 31 .03.1 8

For Nationalised BanksCapital ( Fully owned by Central Government)

I For Banks lncorporated Outside lndia1. Capital ( The amount brought by banks by way of start up Capital aspreseribed by RBI should be shown under this head)

Totalt For Other Banks

(1)Authorised Capital2000000000 shares of Rs.'l0/. each 20000000 20000000

(2) lssued Capital423426

(3) Subscribed Capital42342600 shares of Rs. 101 each 423426 423426

(4) Called up Capital42342600 shares of Rs. 101 each 423426 423426

(5) Fully Paid up Capltal42342600 Shares of Rs.1 0/- each 423426 423426

Share Ca ital Deposit 0 0

TOTAL 423426 423426

neral Manager

( ACCOUNTS )

42342642342600 shares of Rs. 101 each

tt

rI

H=

I

l

ANDHRA PRAGATHI GRAMEENA BANK

HEAD OFFICE : KADAPA

5CH EDULES TO BALANCE SHEET

SCHEDULE 2 RESERVESRs. in 000

31.03.19 3 t .03.1 8Pa rtic u la rsSTATUTORY RESERVES

36836494096277BalanceOpeni412628462362Additions during the year

00Deductaons during the year409627745s8639TOTAL

I CAPITAL RESERVES06730Opening Balance

0Additions during the year0Deductions during the year

6730TOTALt SHARE PREMIUM

00enrn Balance00Additions during the year

0 0Deductions during the year0 0TOTAL

REVENUE & OTHER RESERVE(i)

2710668 2710668opening Balance00Additions during the year00the a(Deductions durin

27106682710668TOTALINVESTMENT FLUCTUATION RESERVE(ii)

155747 548580Opening Balance150000 0Additions during the year

3928330eatDeductions during the1557 473057 47TOTAL

12393092Balance in Profit & Loss Account20631402311809Add: Profit of FY 20'18-19

67 30Less: Profit transfer to Capital Reserve412628462362ReserveLess: Profit transfer to Sta

150000 0Less: Profit transfer to lnvestment Fluctuation Reserve1239309214092539TOTAL't93625142167 4323l+ll+lll+lv+v)GRAND TOTAL

I

en nagerer( ACCOUNTS )

L

67 30

0

6730

REVENUE RESERVE

10749310

0

Particu la rs 31 .03.1 9 3'l .03.18AI DEMAND DEPOSITS

i.) From Banks 0

ii. ) From Others 8041 130 5867764SAVINGS BANK DEPOSITS 461 932 89 41978097

t TERM DEPOSITSi.) From Banksii. ) From Others 89013398 82795717

TOTAL(At,[& ) 143247 817 '130641s78

B.t Deposits of branches in lndia '143247 817 1 30641578I Deposits of branches outside lndia

TOTAL 143247817 130641578

I

I

ANDHRA PRAGATHI GRAMEENA BANK

HEAD OFFICE: KADAPA

SCHEDULES TO BALANCE SH EET

SCHEOULE 3 DEPOSITS

SCHEDULE 4 BORROWINGS

OTHER LIABILITIES

Rs. in 000

Rs. in 000

Rs. in 000

C

Pa rtic u la rs 31_03.19 31.03.181 BORROWINGS IN INDIA

i.) Reserve Bank of lndia 0 0

ii. ) Syndicate Bank 142758 169987

iii) Other lnstitutions & Agencies 35131543 28632278

Total 3527 4301 28802265BORROWINGS OUTSIDE INDIA 0 0

TOTAL(r&[) 3527 430'l 28802265

31 .03.19 31.03.18Pa rticu la rs266354 255408I Balls Payable ( DDs payable+ Pay Orders issued)

0 0lnter Branch AdJustments300556t lnterest Accrued 369755

2490749 23188681252919 16140't74379777 4488849TOTAL

I

n eral a nager

SCHEDULE 5

(Accounts )

OthersProvisions

ANDHRA PRAGATHI GRAMEENA BANK

HEAD OFFICE : KADAPA

SCHEDULES TO BALANCE SHEET

SCHEDULE.o CASH AND BANK BALANCES WITH RBI

Rs. in 000Particulars 31.03.19 31 .03.18

I Cash in Hand ( lncluding Foreign Currency Notes) 1078048 67 5621lt Reserve Bank of lndia Current Account /o.+J tzo 5722803

TOTAL 8721174 6398424

SCHEDULE .7 BALANCES WITH BANKS AND MONEY AT CALL & SHORT NOTICESRs. in 000

SCHEOULE 8 INVESTMENTSRs. in 000

aaeneral Manager

OUNTS )

C

Pa rtic u la rs 31.03.19 31.03.18i) Balances with Banks

a) ln Current Account 769625 '1379199

b) ln Other Deposit Accounts 49 52 500 6152500TOTAL 5722125 7531699

ii) Money at Call & Short NoticeGRANDTOTAL(l+ii ) 5722'125 753'1699

Pa rtic u lars 31 .03.19 31.03.'t I1

i.) Government Securities 4 7605870 49567723ii. ) Other approved Securitiesiii) Shares 4990 4 990iv) Debentures & Bonds 100000 100000v) Subsidiaries and /or Joant Venturesvi) Others 50000TOTAL 48320860 49722713

INVESTMENTS IN INDIA

610000

=

AN DH RA PRAGATHIGRAMEENA BANK

HEAD OFFICE : KADAPA

SCHEDULES TO BALANCE SH EET

SCHEDULE 9 GROSS AOVANCESRs. in 000

3't.03. t 9 3'l .03.18PARTICULARS0 0i) Bills purchased and discounted

112992094 92131647ii) Cash Credits Overdrafts & Loans repayable on demand26617141 24117369iii) Term Loans

1 1624901613960923sTOTAL

90717538110198958B i) Secured by Tangible Assets0ai) Covered by Bank / Govt. Guarantees

2553147I29410277iii) Unsecured

1 16249016139609235TOTALC 1 . ADVANCES IN INDIA

105430787127705529i) Priority Sector0ii) Public Sector0iii) Banks

108182291 1903706iv) OthersI 16249016139609235TOTAL

ADVANCES OUTSIDE INDIAi) Due from Banksii)Due from othersa) Bills purchased and discsountedb) Syndicate Loans

TOTAL

139609235 1t5249016GROSS ADVANCES23507972744555Less: Outstanding NPA Provision :

0 0Less: Claims Received1 13898219136864680Net Advances

I

er( ACCOUNTS )

0

tl

l

tl

=HA q)4--

6i;;6;"n",

PARTICULARS 31 .03.19 31 .03.1 II Land (Own & Prajabhavans) 0 0

Additions during the year 0 0

Deductions during the year 0 0

Total 0 0

PREMISESAt cost as on 31st March of precedin ar 151 180 151 '180

Addations duri the eal 0 0

Deductions during the year

reciation to date 9087 6159

Total 142093 144421

t OTHER FIXED ASSETS ( lncluding Furniture&Fittings)Value as on 31st March of the preceding year 937 800

Additions during the year 66'152 7 6495

Deductions during the year 16237 JO tO

Depreciation to date 725061 648916

TOTAL 335533 361763477 626 506184

ANDHRA PRAGATHI GRAMEENA BANK

HEAD OFFICE : KADAPA

SCHEDULES TO BALANCE SHEET

SCHEOULE 1O FIXEO ASSETS

Rs. in 000

Rs. in 000

SCHEOULE 11 OTHER ASSETS

SCHEDULE 12 CONTINGENT LIABILITES

er(Accounts )

PARTICULARS 31.03.19 31 .03.1 Ilnteroffice Adlustments 71046 44847

lnterest Accrued/Receivable 878851 976877

Stationery and Stamps 21876 34294

Others 3921406 4605375

TOTAL 4893179 5661393

PARTICULARS 31 .0 3.1 9 3 t .03.18

Claims against the Bank not ackonowled ed as Debts zotu 1423

Liability on account of outstanidng Foreign Contracts

l Guarantees iven on behalf of Constituents 155604 '126318

Acce nces Endorsements and other obl ations 0

Other ltems for which the bank is contingently liable(DEAF) 97000 80779

TDS demand as pe r TRACES of Branches 21718 0

TOTAL 276992 208520

1010679

TOTALOFI&II

Rs. in 000

9d9.'6ene{dManager

t.

.

L0

ANDHRA PRAGATHI GRAMEENA BANK

HEAD OFFICE : KADAPA

SCHEDU LEs TO BALANCE SHEET

SCHEDULE 13 INTEREST EARNED

PARTICULARS 31 .03. t 9 3 t.03.18

I nteresuDiscount on Advances/Bills 11442015

lncome on lnvestments 3998741 3809149

l lnterest on balances with RBI & other lnter Bank Funds 0

Others 0

TOTAL 167760't 8 15251 164

SCHEOULE 14 OTHER INCOMERs. in 000

'eneral Manager

(Accounts )

PARTICULARS 31 .03.19 3'1.03.18

Commission, Exchange and Brokerage 1 0161 1 115204

Profit on Sale of lnvestments 216',!72 292652

Less: Loss on Sale of lnvestments 0 0

t Profit on sale of Land, Building & other Assets, Vehicles etc 942 197

Less: Loss on sale of Land, Builda & other Assets, Vehicle etc -221 -366

lncome on lT refund 0 4206

Commission on Life lnsurance 18772 33764

Other lncome 9068 9228

lnspection Charges 6 5372 9 650910

v l Processin Cha 858576 821445

IX Reversal of Excess Proviston Previous Year (Dep on lnvests) 469769 0

Miscellaneous lncome 306532 327176

TOTAL 2634950 2254416

Rs. in 000

t. 12777277

0

t.

X

ANDHRA PRAGATHI GRAMEENA BANK

HEAD OFFICE : KADAPA

SCHEDULES TO EALANCE SHEET

SCHEDULE 15 INTEREST EXPENOEDRs. in 000

PARTICULARS 31 .03.19I lnterest on Deposits 7 504437 7318882I lnterest on RBI / lnter Bank Borrowings 2064523 1866888

t Others 0

TOTAL 9568960 9185770

SCHEDULE 15 OPERATING EXPENDITURERs. in 000

PARTICULARS 31 .03.1 I 31.03.18Payment to and Provisions for Employees 4434528 2124941Traveling expenses 27767 28080

r Rent, Taxes and Lighting 119422 1',t2125Printing and Stationery 2 3880Advertising and Publicity 3859 3780Depreciatlon on Bank Property 93061 105265

VII Directors fees, Allowances and Meetang Expenses 309v t Auditors Fees and Expenses 11037 8139

Law Charges 1424 268X Postage & Telephones etc 12672XI CBS & Computer Maintenance 173030 154376xlt lnsurance 123406x t Other Expenditure 496073XIV Bad debts written off 22280XV Service Tax paid/GST paid 40721 267558

TOTAL 5583469 4106337

SCHEDULE 17. PROVISIONS & CONTINGENCIESRs. in 000

Pa rtic u lars 31 .03.19 31 .03.'l 8

I Provisions for NPA 393819 873300

Provision for Net of lncome Tax & Deferred Tax 1255117 1198405

t Provision for Standard Assets 2699s 78628

Depreciation on lnvestments ?70799 565005

TOTAL 1946730 27't 5338

er(Accounts )

W49'Gr6neral t(anager

31 .03.18

23424

IX,

14303

126',t24499057

74113

t--t

ANDHRA PRAGATHI GRAMEENA SANK

HEAD OFFICE: KADAPA

ACCOUNTS DEPARTMENT

STATEMENT OF CASH FtOW FOR THE YEAR ENDED 315I MARCH 2019(Rupees in 000s)

For the Year Ended

Particulars 31-03-2019 31-03-2018CASH FI.OW FROM OPERATING ACTIVITIES

lnterest Earned during the year 16776018 15251164

Other income 2634950 2254416

Less:

lnterest paid during the year on deposits, borrowings etc., 9568960 9745770

Operatin Expenses includin Provision & Contin8encies 7530199 6256670

NET PROTIT 2311809 2063140

Add

105265De reciation on Fixed Assets 93061

270799 565005

Profit/(Loss) on Sale of Assets

2713470I CASH PROFIT GENERATED FROM OPERATIONS

(Prior to changes in operating Assets & Liabilities)

CASH FI-OW FROM OPERATING ASSETS & TIASILITIES

lncrease/(oecrease) in Liabilitiest2606239 15102 52 3sitsDe

(379871) 1530835Other Liabilities and Provisions

(lncrease / Decrease in Assets

1229664511 (18216140)Advances(7839867)lnvestments(249864s)7 682t4Other Assets

(8570026) 7t92L2941Total ol ll(9187884)(58943s7NET CASH FLOW FROM OPERATING ACTIVITIES (l+ll)

I CASH FLOW FROM INVESTING ACTIVITIES

1.197Sale/Disposal of Fixed Assets(7649s)(68043)Purchase of Fixed Assets(74698)(64s03)NET CASH TLOW FROM INVESTING ACTIVITIES

c CASH FtOW FROM FINANCING ACTIVITIES6472036Borrowings

79t32'196412036NET CASH FLOW FROM FINANCING ACTIVITI€S(1349303)513176TOTAL CASH FLOW DURING THE YEAR (A+B+C)

lncrease / (Decrease) in Cash flowof the Yearuivalents at the Beginnincash and Cash

57168036398424A) Cash and Ealances with the RBI9562623en hS rto oN t cn t I dCaaB ksn na Md oaI cn es tI haBB )

t5279426Total - |

ll. AT RYEADN ETHOFETH EIU A NLE TSN CASHD EH qcAs63984248'12t77 4A) Cash and galances with the RBI75316995722t25INot ceII Shd rton ta aksn na Md on e5 ht a eyBB aB a c)

1393012314443299Total ll

TOTAL CASH FLOW DURING THE YEAR(1349303)513176

I Iflowh Ie nI Cas )eD rec as (ncreaI e5 )(

IIIII

dCHIE

NERAL MAN46E R

Depreciation on investmentsLess:

267 5669

1401853

3540

7971279

t.

7531699

1393012 3