GUARDIAN SOUHARDA  SAHAKARI BANK NIYAMITA, BANGALORE
SCHEDULES FORMING PART OF BALANCE SHEET FOR THE YEAR ENDED 31ST MARCH 2007
	SCH	AS AT	AS AT
PARTICULARS	NO.	31.03.2007	31.03.2006
		Rs.     Ps.	Rs.     Ps.
CAPITAL	1
Regular Membership    ( 136647 shares of Rs.100 each)		13,664,700.00	12,654,100.00
Associate Membership ( 29799  shares of Rs.100 each)		2,979,900.00	2,651,500.00
TOTAL		16,644,600.00	15,305,600.00
RESERVE FUND AND OTHER RESERVES	2
Reserve Fund		14,998,997.81	12,728,441.81
Operational Reserve		1,626,685.00	1,592,371.24
Sahakara Kalyana Nidhi		704,523.29	732,423.29
Building Fund		11,791,154.59	9,550,032.35
Common Good Fund		2,253,387.85	1,923,276.85
Deficit Cover Fund		2,590,223.14	1,682,001.14
Investment Depreciation Reserve		500,000.00	-
TOTAL		34,464,971.68	28,208,546.68
DEPOSITS AND OTHER ACCOUNTS	3																																																					65,833,146.00
Fixed Deposits - Individuals		63,342,722.00	65,833,146.00																																																			23677173.49		(2,490,424.00)
Fixed Deposits - Others		45,192,118.49	23,677,173.49																																																			89,510,319.49
Recurring Deposits-Individuals		1,377,443.47	1,162,662.69
Staff Security Deposit		44,162.00	60,160.00																																																			47473527.28		47,473,527.28
Savings Bank Deposits-Individual		57,732,338.98	47,479,554.28																																																			6820521.09		10,258,811.70
Savings Bank Deposits-Others		4,788,520.44	6,820,521.09																																																			54294048.37
Current Accounts		20,178,067.22	13,725,838.85
TOTAL		192,655,372.60	158,759,056.40
INTEREST PAYABLE	4
On Fixed Deposit		1,952,099.75	3,182,400.25
On Recurring Deposit		65,187.00	58,699.00
On Staff Security Deposit		4,123.00	3,502.00
TOTAL		2,021,409.75	3,244,601.25
OTHER LIABILITIES	5
Pay order Payable		758,103.68	678,812.50
Demand Draft Payable		1,362,316.00	1,245,470.00
Share Associate member Suspense		11,458.00	24,748.00
Share  Suspense		161,160.00	10,560.00
Share enhancement suspense		-	99,610.00
Provision for Expenses		41,000.00	75,566.00
Audit Fees payable		75,000.00	72,000.00
Dividend Payable		612,191.00	628,159.00
Provision on Standard Assets		609,562.40	609,562.40
Provision on Sub-Standard Assets		4,505,479.21	4,505,479.21
Provision for Leave encashment		61,339.10	12,258.00
Provision for Gratuity		172,671.92	151,965.88
Provision for Fringe Benefit Tax		-	58,786.00
TOTAL		8,370,281.31	8,172,976.99
PROFIT AND LOSS ACCOUNT	6
Balance Brought Forward		9,082,224.75	8,440,891.27
Less: Appropriations		9,082,224.75	8,440,891.27
PROFIT FOR THE YEAR		9,139,279.95	9,082,224.75
GUARDIAN SOUHARDA  SAHAKARI BANK NIYAMITA, BANGALORE
SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31ST MARCH 2007
	SCH	AS AT	AS AT
PARTICULARS	NO.	31.03.2007	31.03.2006
		Rs.     Ps.	Rs.     Ps.
CASH	7
(a)  Apex Bank		3,923,935.48	3,001,721.48
(b) BDCC Bank		2,200.00	2,228.00
(c) State Bank of India - Shivajinagar Br.		705,912.48	1,264,986.48
(d) State Bank of India - Hebbal Br.		198,594.00	198,594.00
(e)  Cash In Hand		2,040,637.91	1,354,574.96
TOTAL		6,871,279.87	5,822,104.92
BALANCES WITH OTHER BANKS	8
(i) Current Deposits
(a) Centurion Bank		2,628,851.05	7,505,940.74
(b)  HDFC Bank		2,377,589.59	1,921,857.79
(ii) Savings bank deposits
(a) Apex Bank		443,455.72	392,123.72
(b) BDCC Bank		11,279.00	10,904.74
(iii) Fixed Deposits
(a) Apex Bank		36,362,716.80	35,362,716.80
(b) HDFC Bank		6,637,826.00	1,320,335.72
(c) Centurion Bank		11,091,054.48	24,597,402.30
TOTAL		59,552,772.64	71,111,281.81
INVESTMENTS	9
(i) As required for SLR		35,103,608.25	25,148,608.25
(ii) As required for Non SLR		12,297,538.91	10,852,627.68
TOTAL		47,401,147.16	36,001,235.93
ADVANCES	10
(i) Short-term loans
(a) Overdrafts		8,299,341.15	8,926,326.60
(b) Overdraft against Fixed Deposits		1,681,739.00	-
(c) Cash Credits		-	2,543,679.38
(d) Savings Bank debit balances		4,609.89	6,027.00
(e) Cheque Purchased		42,600.00	59,460.00
[A]		10,028,290.04	11,535,492.98
of which secured against:
(A) Govt. and other approved securities		--nil--	--nil--
(B) Other tangible securities		9,520,899.00	6,753,848.00
Of the advances, amount due from individuals		1,476,616.40 [1]	7,456,584.00
Of the advances, amount overdue considered
bad and doubtful of recovery		--nil--	--nil--
(ii) Medium term loans
(a)  Gold Loan		1,027,929.00	679,459.00
(b) Surety Loans		21,073,720.70	17,106,327.00
(c) Loan against Fixed Deposit		1,178,105.00	2,253,634.00
(d) Business Loans		9,963,736.50	3,200,859.50
(e) Education Loans		671,674.00	766,278.00
(f) Vehicle Loans		1,523,408.00	1,481,983.00
(g) Unsecured Term Loans		2,918,631.00	1,691,846.00
(h) Taxi Operators Loans		2,184,608.00	1,297,011.00
[B]		40,541,812.20	28,477,397.50
Of which secured against:
(a) Govt. and other approved securities		--nil--	--nil--
(b) Other tangible Securities:		16,169,833.00	7,632,368.00
Of the advances, amount due from individuals		37,268,785.20	28,383,059.50
Of the advances, amount overdue considered
bad and doubtful of recovery		--nil--	--nil--
GUARDIAN SOUHARDA  SAHAKARI BANK NIYAMITA, BANGALORE
SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31ST MARCH 2007
	SCH	AS AT	AS AT
PARTICULARS	NO.	31.03.2007	31.03.2006
		Rs.     Ps.	Rs.     Ps.
(iii) Long-term loans
(a)  Housing Loan		33,618,371.00	13,273,925.00
(b)  Building Construction Loans		1,874,291.00	5,256,631.00
(c)  Secured Term loans		44,131,729.00	35,202,095.00
[C]		79,624,391.00	53,732,651.00
Of which secured against:
(a) Govt.and other approved securities
(b) Other tangible securities		79,624,391.00	53,732,651.00
Of the advances, amount due from individuals		57,334,402.00	28,072,391.00
Of the advances, amount overdue considered
bad and doubtful of recovery		--nil--	--nil--
TOTAL        [A]  + [B]  +   [C]		130,194,493.24	93,745,541.48
INTEREST RECEIVABLE	11
(A) On Loans
(a) Surety Loans		853,109.41	682,287.00
(b) Gold Loan		23,054.90	5,748.00
(c ) Loan against Fixed Deposit		169,279.02	252,617.00
(d) Building construction Loan		16,550.00	-
(e) Housing Loan		274,271.06	137,725.00
(f) Vehicle Loan		24,802.60	24,368.00
(g) Education Loan		7,774.00	8,593.00
(h) Buisness Loan		588,563.69	361,939.00
(I) Overdraft / Cash Credit		91,992.41	36,885.00
(j) Secured Term loans		374,600.21	354,026.00
(k) Unsecured Term Loans		102,655.61	52,552.00
(l) Taxi Vehicle Loan		18,734.86	8,242.00
(m)Overdraft against Fixed Deposits		744.19	-
(B) Interest Accrued on deposits with banks		105,422.39	1,406,578.68
Of which amount overdue		-nil-	-nil-
considered bad and doubtful of recovery
(C)Interest Receivable on Govt.Securities		609,995.82	255,280.85
TOTAL		3,261,550.17	3,586,841.53
FURNITURE AND FIXTURES	12
As per Schedule		1,730,149.97	1,334,558.52
TOTAL		1,730,149.97	1,334,558.52
OTHER ASSETS	13
As per Schedule	[A]	1,561,562.62	958,035.55
K.E.B Deposit		21,310.00	10,000.00
Telephone Deposit		39,909.00	38,800.00
Staff Advance		66,000.00	67,150.00
Staff Festival  Advance		113,100.00	54,400.00
Building Lease Deposit		1,400,000.00	1,400,000.00
Extn. Counter Rental Deposit		45,000.00	45,000.00
Deposit with BDA		789,975.00	922,480.00
Pre-operative Expenses		159,841.53	239,764.53
Insurance Paid for loan accounts receivable		8,852.00	9,052.00
Advance others		347,367.20	19,769.70
Pre-paid Insurance		59,356.00	40,844.00
Sundry Advance		8,350,000.00	8,350,000.00
GUARDIAN SOUHARDA  SAHAKARI BANK NIYAMITA, BANGALORE
SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31ST MARCH 2007
	SCH	AS AT	AS AT
PARTICULARS	NO.	31.03.2007	31.03.2006
		Rs.     Ps.	Rs.     Ps.
TDS receivable	13	264,802.00	323,740.00
Dividend Receivable		1,715,742.79	-
Loan Arbitration Charges		870.00	870.00
Legal Charges on Loan		12,900.00	14,100.00
Miscellanious Charges on loan		33,349.00	40,205.00
Cash Stolen		503,427.10	503,427.10
Fringe Benefit tax		-	58,786.00
TOTAL		15,493,364.24	13,096,423.88
INTEREST PAID ON DEPOSITS & BORROWINGS	14
SB Accounts		1,652,200.00	1,344,165.00
Fixed Deposits		5,348,429.45	7,533,718.00
Recurring Deposits		71,604.38	163,931.75
Staff Security Deposit		2,913.00	3,316.00
TOTAL		7,075,146.83	9,045,130.75
RENT, TAXES, INSURANCE, LIGHTING	15
Office Maintenance		485,024.50	317,731.75
Rent		402,480.00	307,440.00
Insurance		218,323.00	243,899.00
Rates & Taxes		37,086.54	47,006.74
TOTAL		1,142,914.04	916,077.49
POSTAGE, TELEGRAMS & TELEPHONE CHARGES	16
Postage and Telegrams		40,160.80	50,814.19
Telephone		250,816.57	285,252.94
TOTAL		290,977.37	336,067.13
DEPRECIATION ON & REPAIRS TO PROPERTY	17
Depreciation on Fixed Assets		717,419.49	511,675.99
Repairs & Maintenance