The Gayatri Co-Operative Urban Bank Ltd.

The Gayatri Coop. Urban Bank Ltd., Jagtial, Dist. Karimnagar (A.P) has started functioning from 11-09-2000 under Reg. No. 872/TDD/22/1/2000, RBI License No. UBD/ HYD/ AP/26P/ 24-05-2000, with 1008 members and Rs. 25,11,000/- share capital. With in short period, we could reach to 3959 membership, Rs. 246.84 Lakhs share capital and Rs. 3533.24 Lakhs deposits & 2624.00 Lakhs advances as on 31-03-2011. Our Bank is classified as CAMELS Rating-A by the Reserve Bank of India and it is also classified by the Statutory Auditors as Class – ‘A’. The main objective of the Bank is to cater Banking needs to the poor, middle, Village, and Urban people and to fulfill the banking needs of the business people through our quick, prompt & transparent services.

SHARE CAPITAL

The growth in share capital of the Bank since inception is as follows

Particulars	2003-04	2004-05	2005-06	2006-07	2007-08	2008-09	2009-10	2010-11	As on 31-01-2012
Share Capital	24.59	23.72	27.12	32.57	47.00	58.52	75.61	246.84	302.42
Growth %	39.24%	- 3.54%	14.33%	20.09%	44.30%	23.51%	29.20%	226.46%	22.52%

DEPOSITS

The Bank is getting considerable growth in deposits since inception, which is the token of the trust among the depositors.

Since inception we are concentrating on Low cost & No cost deposits to reduce the interest expenditure. As on 31-03-2011 we have Rs. 3533.24 Lakhs deposits.

We are getting considerable growth in number of accounts by providing required color photos & Xerox at bank only to open new accounts without any extra charges. As on 31-03-2011 there are 37520 Saving Nirbhaya Accounts, 1112 Current Accounts and 4153 No Frills accounts in live.

The growth of the deposits since inception is as here under.

2003-04

2004-05

2005-06

2006-07

2007-08

2008-09

2009-10

2010-11

As on

31-01-2012

Deposits

279.82

388.07

532.64

654.97

936.28

1554.57

2485.57

3533.24

4778.73

Growth %

31.61%

38.68%

37.25%

22.97%

42.95%

66.04%

53.46%

32.78%

29.05%

LOANS & ADVANCES

The Bank is issuing loans & advances mainly for the purpose of Agriculture, Business, Higher Education, Trade by hypothecating NSC/ KVP Bonds, LIC Bonds, Gold ornaments, Bank Deposits and fixed assets. Simultaneously we are concentrating on recovery mechanism also. By regular follow-up on recovery we reduce Net NPA to 0%.

The growth in Loans & Advance since inception is as follows.

2003-04

2004-05

2005-06

2006-07

2007-08

2008-09

2009-10

2010-11

As on

31-01-2012

Loans & advances

182.40

294.77

400.31

463.45

689.83

920.59

1760.71

2624.01

3622.05

Growth %

46.54%

61.61%

35.80%

15.77%

48.85%

33.45%

91.26%

49.03%

38.04%

INVESTMENTS

For optimum utilization of surplus funds we are investing the funds in Nationalized and other approved Banks and generating income.

The growth in Investments of the Bank since inception is as follows.

2003-04

2004-05

2005-06

2006-07

2007-08

2008-09

2009-10

2010-11

As on

31-01-2012

Investments

28.76

76.22

106.31

338.83

412.72

734.03

824.35

1056.01

1948.37

Grouth %

3.05%

165.02%

39.48%

218.72%

21.74%

77.85%

12.30%

28.10%

84.50%

ASSETS & LIABILITIES.

With perfect planning & implementation we are strengthening in all aspects.

The growth in components of Assets & Liabilities since inception is as here under.

LIABILITIES	2001-02	2002-03	2003-04	2004-05	2005-06	2006-07	2007-08	2008-09	2009-10	2010-11
Share Capital	16.21	17.65	24.59	23.72	27.21	32.57	47.38	58.52	75.62	246.84
Deposits	126.68	212.60	279.82	388.07	532.64	654.97	936.28	1554.57	2385.57	3533.24
Reserves & Funds	2.07	4.50	8.75	15.49	31.19	46.65	74.48	125.89	174.68	235.40
Other Liabilities	39.56	31.78	41.69	63.77	107.56	196.65	3.03	193.91	520.25	731.45
Interest Payable	0.55	1.52	2.80	3.58	8.41	15.87	11.68	16.27	12.88	19.41
Estt. & Con. Payable	~	1.00	0.50	0.93	1.04	1.97	2.48	4.36	4.69	4.35
U.D.P	0.52	5.75	~	1.17	~	~	~	~	~	~
Profit	3.07	4.19	6.22	10.06	12.19	12.11	16.69	17.07	18.22	28.05
Total Liabilities	188.68	275.97	364.37	506.79	720.24	960.79	1391.99	1970.59	3191.91	4798.74

Assets	2000-01	2001-02	2002-03	2003-04	2004-05	2005-06	2006-07	2007-08	2008-09	2009-10	2010-11
Cash On Hand	17.65	25.93	47.50	49.11	45.62	54.27	75.72	118.82	71.47	160.93	383.37
Cash at Banks	29.77	39.29	47.46	71.21	59.39	140.86	58.02	73.90	79.66	179.80	400.51
Investments	5.60	19.60	27.91	28.76	72.23	106.31	338.83	412.72	734.03	824.35	1056.01
Loans & Advances	47.80	82.46	124.47	182.40	294.77	400.31	463.45	689.84	920.59	1760.71	2624.01
Int. Receivable on Loans & Investment	1.20	4.34	8.64	14.36	19.21	3.20	7.67	25.32	45.93	54.64	51.95
Furniture & Fixtures	5.41	5.69	7.44	8.72	9.64	12.79	15.33	70.47	116.01	210.63	246.84
Other Assets	3.48	9.99	12.56	9.82	1.94	2.50	1.77	0.92	2.90	0.85	36.05
Total Assets	111.36	188.68	275.97	364.37	506.79	720.24	960.79	1391.99	1970.59	3191.91	4798.74

INCOME & EXPENDITURE

We are gaining more profits by reducing the interest expenditure through procuring low cost & no cost deposits and utilizing the funds properly and also by concentrating mainly on non – interest income, we are earning more income on DD selling.

Income & Expenditure of the Bank since inception is as follows.

Income	2000-01	2001-02	2002-03	2003-04	2004-05	2005-06	2006-07	2007-08	2008-09	2009-10	2010-11
Interest on Loans	2.89	13.44	20.52	27.87	37.47	41.64	52.21	70.63	103.28	150.26	259.69
Interest on Investments	0.82	1.57	1.76	2.00	5.62	6.13	16.76	34.47	63.20	86.99	86.35
Non Interest Income	3.53	11.07	11.84	15.28	18.90	22.13	13.44	15.61	11.84	15.03	9.99
Total Income	7.23	26.08	34.12	45.15	58.99	69.90	82.41	120.72	178.32	252.28	356.03

Expenditure	2000-01	2001-02	2002-03	2003-04	2004-05	2005-06	2006-07	2007-08	2008-09	2009-10	2010-11
Interest on Deposits	0.90	6.87	12.27	16.47	22.24	25.47	40.52	56.59	84.24	138.66	211.29
Establishment Charges	1.12	1.84	5.02	4.50	3.96	5.70	9.52	13.06	18.35	20.46	28.00
Contingent Charges	4.45	12.85	10.97	14.75	17.55	18.54	10.86	13.00	26.75	42.91	53.26
Depreciation on Furniture & NPAReserves	0.12	1.45	1.66	3.21	5.18	8.00	9.40	13.57	24.00	25.11	34.63
Income Tax	~	~	~	~	~	~	~	7.80	7.91	6.92	0.80
Profit	0.64	3.07	4.19	6.22	10.06	12.19	12.11	16.69	17.07	18.22	28.05
Total Expenditure	7.23	26.08	34.12	45.15	58.99	69.90	82.41	120.72	178.32	252.28	356.03

ADDITIONAL SERVICES

SERVICE HOURS

We are providing the very convenient banking hours to the business, village & urban people

	Monday to Friday :Morning: 10-00 a.m. to 8-00 p.m.
	Saturday : Morning: 10-00 a.m. to 2-00 p.m.

HELP DESK

In order to guide the illiterate people we have arranged help desk at the Bank Entrance. At this help desk the customers can get required information about their own accounts and can get their A/C statements.

The required vouchers are being written and guided to which counter they have to go as per their requirement

The main intention behind this counter arrangement is that, our customer should not to feel any inconvenience during their bank visit.

SMS BANKING

To facilitate very transparency service to the depositors, firstly in the co-operative banking in the state we are providing SMS Banking facility by Which a message goes to the given mobile number of the customers after every transaction of his/ her account with the transaction & balance details and also the depositor can know their account balance and mini statement at any time through his registered number mobile.

ONE LAKH ACCIDENTAL INSURANCE

We are providing One Lakh accidental insurance to Gayatri Nirbhaya Saving Account holders. Under this coverage we have so far given the insurance amount to many families of Gayatri Nirbhaya Saving Account holders who met with accidental death.

FREE FACILITY OF PHOTO & XEROX

Since most of our customers are poor & middle we are providing required color photos & Xerox at Bank only to open new accounts with out any extra charges.

NO FRILL ACCOUNTS

To realize the scholarship cheques of students we are offering no frills accounts to students.

LOCKER FACILITY

We are providing the safest locker facility to the town & rural people to keep their valuable articles without insisting any caution deposit.

DD COMMISSION

We are selling DD’s with less commission i.e. @0.05% per, which is not being offered by any other Banks in the town and also we are charging very less amount in cheques clearing.

RTGS:

We providing RTGS facility to our customer with less commission as per RBI instructions.

BRANCHES:

We have Head Office at Jagtial & Four Branches at "Jammikunta", "Korutla", "Vemulawada" & Karimnagar".

We have introduced Core Banking Solution(Online Service) to utilize the Banking services at any of our Branches.

COMPUTERIZATION

We have introduced fully computerized transactions by which we are serving our customers quickly & promptly

BOARD MEMBERS

Since our well educated board members are taking decisions from time to time as per the competitive market position. We are steadily standing in the heavy competition in market along with the nationalized and corporate banks.

EMPLOYEES

We are used to train our staff from time to time about upcoming technology & methods to update & improve their skills.

With our employees dedicated & honesty services to the customers we are getting more cliental base & business.

AWARDS

We have won three "Frontiers in Co-Op. Banking Awards" for the year 2011 in National level towards "Green Intiative ", " Excellence in NPA Management " and " Excellence in Customer Service and Marketing" categories announced by Banking Fronties.

We have won two "Frontiers in Co-Op. Banking Awards" for the year 2010 in National level towards "Human Resource Development "and " Reserve Bank of India Compliance" categories announced by Banking Fronties.

We stood at First place in India for" Income Ratio" in small Banks Category and won the "Frontiers in Co-Op.Banking Award" for the year 2009 in National Level which was announced by Banking Frintires.

We should Second place in Small Banks Category and won the "Achievers in Co-Operative Banking Award" for the year 2009. We have received the Award form Union Labour monister at the occasion of All India Achievers Summit at New Delhi.

IDEOLOGY

We commit to serve our customers in a friendly atmosphere by thinking in customer angle as well as by using upcoming technology from time to time.

VISION

Our vision to provide economical support to the poor & middle class people all over in India by expanding our services to the different location in India and to reach every people who are in need of Banking Services.

- Rapid Infoway -