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Banking Regulation Act, 1949


FORM A :- FORM OF BALANCE-SHEET

Capital and Liabilities

Property and assets

Rs. P.

Rs. P.

Rs. P.

Rs. P.

1. Capital

(i) Authorized Capital ..........shares of Rs. .............each

(ii) Subscribed Share Capital ..........shares of Rs. ............ each

(iii) Amount called up   ......shares of Rs. ...........each

......shares of Rs. ...........each

On ......shares at Rs. ...... .....each less calls unpaid

On ......shares at Rs. ...........each less calls unpaid

Of (iii) above held by

Individuals ..................

Co-operative Institutions ...................

State Government ............

 _____________

1

2.

3.

4. Cash

In hand and with Reserve Bank, the National Bank State Bank of India, State Co-operative Bank and Central Co-operative Bank

Balance with other banks :

(i) Current deposits

(ii) Savings bank deposits

(iii) Fixed deposits

Money at call and short notice Investment

2. Reserve Fund and other reserves

(i) Statutory Reserve

(ii)Agricultural

(Credit Stabilization Fund)

(iii) Building fund

(iv) Dividend Equalization Fund

(v) Special Bad Debts Reserve

(vi) Bad and Doubtful Debit Reserve

(vii) Investment Depreciation Reserve

(viii) Other Funds and Reserves (to be specified)

 ___________

 (i) In Central and State Government securities (at book value)

Face value Rs.

Market value Rs.

(ii) Other Trustee securities

(iii) Shares in co-operative institutions other than in them (5) below

(iv) Other investments (to be specified)

3.Principal/Subsidiary State

Partnership Fund Account

For share capital of:

(i) Central Co-operative Banks (ii) Primary agricultural credit societies 

(iii) Other societies

5.Investment out of the Principal/Subsidiary State Partnership Fund:

In share of:

(i) Central Co-operative Banks

(ii) Primary agricultural credit societies

(iii) Other societies

4. Deposits and other accounts

(i) Fixed deposits* 

(a) Individuals**

(b) Central Co-operative Banks

(c) Other societies

(ii) Savings Banks Deposits

Individuals**

Central Co-operative Banks

Other societies

(iii) Current deposits

Individuals**

Central Co-operative Banks

Other societies

(iv) Money at call and short notice

6. Advances+:

(i) Short-term loans, cash credits,

overdrafts and bills discounted Of which secured against

(a) Government and other approved securities

(b) Other tangible securities @ ....................

Of the advance, amount due from individuals

Of the advances, amount overdue considered bad and doubtful of recovery

(ii) Medium-term loans

Of which secured against :

(a) Government and other approved Securities.

5. BORROWINGS+

(i) From the Reserve Bank of India 289[the National Bank] State/Central co-operative Bank:

Short-term loans, cash credits and overdrafts

Of which secured against:

Government and other approved securities

Other tangible securities @ ……………...

(b) Medium-term loans

Of which secured against:

Government and other approved securities

Other tangible securities @……………….

(c) Long-term loans

Of which secured against:

Government and other approve securities

Other tangible securities @…………………

(ii) From the State Bank of India

Short-term loans, cash credits and overdrafts

Of which secured against:

Government and other approved securities

Other tangible securities @ ………………..

(b) Medium-term loans

Of which secured against:

Government and other approved securities

Other tangible securities @ ………………

Long-term loans

Of which secured against:

Government and other approved securities

Other tangible securities @ ………………

(iii) From the State Government

Short-term loans

Of which secured against:

Government and other approved securities

Other tangible securities @ ……………….

(b) Medium term loans

Of which secured against:

Government and other approved securities

Other tangible securities @ …………….

(c) Long-term loans

Of which secured against:

Government and other approved securities

Other tangible securities @

(iv) Loans from other securities (source and security to be specified)

6. Bills for collection being bills receivable as per contra

7. Branch adjustments

8. Overdue interest reserve

9. Interest Payable

10. Other liabilities

(i) Bills payable

(ii) Unclaimed dividends

(iii) Suspense

(iv) Sundries

11. Profit and loss

Profit as per last balance-sheet

Less appropriations

Add profit for the year brought from the profit and Loss Account

TOTAL

Contingent liabilities

(i) Outstanding liabilities for guarantees issued

(ii) Others

TOTAL

8.

9.

10.

11.

12.

13.

14.(b) Other tangible securities @

Of the advances, amount die from individuals.

Of the advances, amount overdue.

Considered bad and doubtful of recovery

(iii) Long-term loans

Of which secured against:

(a) Government and other approved securities

(b) Other tangible securities @

Of the advances, amount due from individuals

Of the advances, amount overdue

Considered bad and doubtful of recovery

7. Interest receivable

Of which overdue

Considered bad and doubtful of recovery

Bill receivable being bills for collection (As per contras)

Branch adjustments

Premises less depreciation

Furniture and fixtures less depreciation

Other assets (to be specified).

Non-banking assets acquired in satisfaction of claims (stating mode of valuation)

Profit and loss

TOTAL

 ____________

____________

____________

____________

____________

____________

____________

____________

NOTE :

* "Fixed deposits" will include reserve fund deposits of societies, employees provident fund deposits, staff security deposits, recurring deposits, cash certificates, etc.

** Under the item "individuals’ deposit from institutions other than Co-operative Banks and societies may be included.

+ "Borrowing" and " Advances" – Short term loans will be for periods up to 15 months, medium-term loans from 15 months to 5 year and long-term loans over 5 years.

@ "Other tangible security" will include borrowing against gold ornaments, repledge of goods, mortgage of land, etc.

General instructions- The corresponding figures (to the nearest rupee, if so desired) for the year immediately preceding the year to which the balance-sheet relates should be shown in separate column.



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