THE BHARAT CO-OPERATIVE BANK (MUMBAI) LTD

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1 Internet Banking Foreign IB Debit Card Exchange II E-stamping NEFT RTS 24x7 ATMs eneral Insurance Demat Trading Account Branch Banking Core Banking Solution Tele Banking Stamp Franking Money ram THE BHARAT CO-OPERATIVE BANK (MUMBAI) LTD (Multi State S c h eduled Bank)

2 Cost Includes Course fees, Library & Lab fees, Books, Travel expenses, Computers, Insurance of Students Etc. CHARES Long Repayment Period 5 to 7 Years, FSS BURDEN ON PARENTS interest (No COMPOCNO.N,,»»

3 .'.., ' *" ^Bltil (Rupees in Crore) I [] Working Capital (9 Deposits El Advances cr 300- ^r S t 4 ',,$ ] (Rupees in Crore) Fn «= = H = n > o o J5.UU - -^:,^ '- ' ' ''''llst-i I. K NM'f- r ' Jft/'"^^1^ J ywj,'. R ; i-jt.^- (Rupees in Crore) (Rupees in Crore) Ml H H =3 H H on nn /u.uu IU.UU o.oo- i i i i i ^ _ o- _j _ ' f^~

4 RED. OFFICE: Mohan Terrace, 64/72, Mody Street, Fort, Mumbai Phone: , BOARD OF DIRECTORS Chairman Shri Vasudeva R. Kotian Vice-Chairperson Miss. Rohini J. Salian Directors Shri Jaya C. Suvarna Shri M. B. Kuckian Smt. Pushpalatha N. Salian Shri L. V. Amin Shri Raja V, Salian Shri Jyoti K. Suvarna Shri M. B. Sanil Shri Y. Nagesh Shri Shekar M. Kotian Shri Mohan. Poojary Shri Chandrashekar S. Poojari Shri Shankar D. Poojary Shri J. V. Kotian Shri S. K. Kotian Shri N. Nityanand Shri Bhaskar M. Salian Shri Ratan Umesh Sanil Shri Rohit M. Suvarna Shri Vasudeva R. Kotian Chairman Miss. Rohini J. Salian Vice-Chairperson Shri Jaya C. Suvarna Shri M. B. Kuckian Smt. Pushpalatha N. Salian Shri L.V. Amin Managing Director & C.E.O. Shri J. C. Poojary Shri Raja V Salian Shri Jyoti K. Suvarna Shri M. B. Sanil

5 Bharat Bank Registration No. Bom/Bank/138 of 1977 dated and MSCS/CR/71/97 dated RBI License No. ACD.MH 108-P dated Date of Commencement of Business: BOARD OF DIRECTORS Shri Y. Nagesh Shri Shekar M. Kotian Shri Mohan. Poojary Shri Chandrashekar S. Poojari y Shri Shankar D. Poojary Shri J. V. Kotian Shri S. K. Kotian Shri N. Nityanand Shri Bhaskar M. Salian Shri Ratan Umesh Sanil Shri Rohit M. Suvarna Shri J. C. Poojary M.D. & C.E.O. -I III

6 Bharat Bank 33 rd Annual eneral Meeting held on 22 nd August, 2009 Chairman Shri V. R. Kotian addressing the Shareholders athering of Shareholders ;;_.. 1C ^r^7 President of The Billawar Association & Director and former Chairman of the Bank Shri Jaya C. Suvarna addressing the athering

7 Bharat Bank The Second prize for overall performance in the various fields during the year from The Brihan Mumbai Nagari Sahakari Banks Association, Mumbai being received by Shri Jaya C. Suvarna, Director & Former Chairman, Shri Vasudeva R. Kotian, Chairman, Miss Rohini J. Salian, Vice Chairperson, Smt. Pushpalatha N. Salian, Director & Shri J. C. Poojary, CEO "Frontiers in Co-op Banking Awards, 2009" organized by Banking Frontiers Magazine for Innovations in HRD - First Prize The Second prize for overall performance in the various fields during the year from The Brihan Mumbai Nagari Sahakari Banks Association, Mumbai "Frontiers in Co-op Banking Awards, 2009" organized by Banking Frontiers Magazine for Best Data Center - Second Prize

8 Bharat Bank Inauguration Panvel Branch being inaugurated by the Director and former Chairman of the Bank Shri Jaya C. Suvarna on 14 th May, Shri Jaya C. Suvarna, the Director and former Chairman of the Bank seen inaugurating Jayanagar Branch, Bangalore on 18 th February, 20JO. Lighting of the Lamp by Chairman Shri Vasudeva R. Kotian during inauguration of Jayanagar Branch, Bangalore on 18 th February,

9 ^-E -" Bharat Bank NOTICE TO MEMBERS Notice is hereby given that the Thirty fourth Annual eneral Meeting of the Members (Shareholders) of THE BHARAT CO-OPERATIVE BANK (MUMBAI) LIMITED will be held on Saturday, 14 th August, 2010 at 4.00 p.m. at Brijwasi Palace Hall, Brijwasi Estate, Sonawala Road, oregaon (East), Mumbai to transact the following business: 1. To receive and adopt the Report of the Board of Directors, Audited Statement of Accounts and the Audit Report thereon for the year ended 31 st March, To consider and adopt the appropriation of the Net Profit for the year ended 31 st March, To appoint M/s. U.. Devi & Company, Chartered Accountants, as Statutory Auditors for the financial year To consider and approve the proposed amendments to the Bye-laws of the Bank, with or without modification. 5. To transact any other business with the permission of the Chair. Mumbai Dated: 29 th June, 2010 By order of the Board of Directors J.C.POOJARY Managing Director & Chief Executive Officer Note: In the absence of a quorum within half an hour after the appointed time, the meeting shall stand adjourned and the adjourned meeting will be conducted immediately thereafter at the same venue irrespective of the rule of quorum in terms of Bye-law No. 30. IMPORTANT NOTE TO MEMBERS Members desiring to offer any suggestion at the Annual eneral Meeting or put any question pertaining to the Annual Report & Accounts are requested to write to the Bank adeast 7 days before the meeting i.e., on or before 6 th August, Members who have not collected their Share Certificates are requested to collect the same from the Bank on any - J- working day at the earliest. O Members who have not collected their dividends for the previous three years are requested to collect the same immediately to avoid its forfeiture. Members are requested to intimate any change in name of nominee, office and residential address, status etc., so as to keep our records up-to-date. Members are requested to introduce the Bank to their friends and relatives so that they also can avail of the various services rendered by the Bank. Members are requested to note that only one copy of Annual Report has been posted to those shareholders who are residing at same place of residence at their request. Members are requested to give instructions for crediting the dividend directly to their Saving Bank / Current Account with any of the Branches of the Bank. Annual Report shall not be distributed at the Annual eneral Meeting in view of high cost of paper and printing. Members are therefore requested to bring their copies of Annual Report to the meeting. ^^

10 Bharat Bank SAA OF SUCCESSFUL ROWTH (Rupees in Lakh) Particulars ] OWNED FUNDS Share Capital 1, , ,701,94 2, ,759,41 3, ,884,72 4, , , Reserve Funds , , , , , , , , DEPOSITS Fixed Deposits 39, , , , , , ,07, , ,72, Saving Bank Deposits 14, , , , , , , , , , Current,Deposits 7, , , D, ,080,34 20, , , Recurring Deposits , , , , , , , , , Bharat Daily Deposit 2, , , , , , , , TOTAL 65, , , , ,09, ,25, ,46, ,78, ,22, ,64, Loans & Advances 45, , , , , , ,01, ,26, ,49, ,83, ross Income 8, ,012,68. 11, , , , , , , , Net Profit 1, , , , , , , Working Capital , , ,15, ,28, ,47, ,73, ,09, ,60, ,08, Total Staff Strength Dividend 17% 17% 25% 17% 17% 15% 15% 15% 15% Audit 'A' 'A' 'A' 'A' Classification

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