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Schedule 3 – The Banking Regulation Act,1949

The Banking Regulation Act,1949

The Third Schedule

(see section 29)

FORM A

Form of Balance-sheet

CAPITAL AND LIABILITIES

PROPERTY AND ASSETS

Rs. P. Rs. P.

Rs. P. Rs. P.

1. CAPITAL:

(i) Authorised

Capital

…..shares of Rs…..each

…..shares of Rs….. each

” ” ” ” ” ” ”

(ii) Subscribed Capital

…..shares of Rs….. each

…..shares of Rs….. each

____________

(iii) Amount called up

On…..shares of Rs….. each

less class unpaid

On….. shares of Rs…..

each less calls unpaid

of (iii) above, held by

(a) Individuals

(b) Co-operative institutions

(c) State Government

1. CASH:

In hand and with Reserve Bank

31[National Bank] State Bank of

India, State Co-operative Bank

and Central Co-operative Bank

2. BALANCES WITH OTHER

BANKS:

(i) Current deposits

(ii) Savings bank deposits

(iii) Fixed deposits

3. MONEY AT CALL AND

SHORT NOTICE:

4. Investments:

(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 item (5) below

(iv) other investments

(to be specified)

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 Debts

Reserve

(vii) Investment and Depreciation

Reserve

5. INVESTMENT OUT OF

THE PRINCIPAL SUB-

SIDIARY STATE

PARTNERSHIP FUNDS

In shares of:

(i) Central Co-operative Banks

(ii) Primary agricultural

credit societies

(iii) Other societies

6. ADVANCES :

(viii) Other Funds and Reserves

(to be specified)

(i) Short-term loans, cash

credits, overdrafts and

bills discounted

Of which secured against:

(a) Government and other

3. PRINCIPAL/SUBSIDIARY

STATE PARTNERSHIP

FUND ACCOUNT:

For share capital of:

(i) Central co-operative banks

(ii) Primary agricultural credit

societies

(iii) other societies

approved securities

(b) Other tangible securities @

Of the advances, amount due

from individuals

Of the advances, amount overdue

Considered bad and doubtful

of recovery

(ii) Medium-term loans

Of which secured against:

4. DEPOSITS AND OTHER

ACCOUNTS:

(i) Fixed deposits*

(a) Individuals**

(b) Central co-operative banks

(c) Other socie
ties

(ii) Savings Bank Deposits

(a) Individuals**

(b) Central co-operative

banks

(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

(ii) Long-term loans

Of which secured against

(c) Other societies

(iii) Current deposits

(a) individuals**

(b) Central co-operative

bank

(c) Other societies

(iv) Money at call and short notice____________

(a) Government and other

approved securities

(b) Other tangible securities @

5. BORROWINGS:

(i) From the Reserve Bank of

India 32[the National Bank]

State/Central co-operative Bank:

(a) Short-term loans,

cash, credits and overdrafts

(A) Government and other

approved secu rities

(B) Other tangible securities @

(b) Medium 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

over due

Considered bad and doubtful

of recovery____________

7. INTEREST RECEIVABLE

Of which overdue

Considered bad and doubtful

of recovery

(c) Long-term loans

Of which secured

against:

(A) Government and other

approved securities

(B) Other tangible securities @

(ii) From the State Bank

of India

(a) Short-term loans, cash-

credits and over drafts

Of which secured against:

(A) Government and other

approved securities

(B) Other tangible securities @

(b) Medium term- loans

Of which secured against:

(A) Government and other

approved securities:

(B) Other tangible securities @

(c) Long-term loans:

Of which secured against:

(A) Government and other

approved securities

(B) Other tangible securities @

8. BILLS RECEIVABLE

BEING BILLS FOR

COLLECTION

As per contra _____________

9. BRANCH ADJUST-

MENT ___________

10. PREMISES LESS _____________

DEPRECIATION

11. FURNITURE AND

FIXTURES LESS

DEPRECIATION _____________

12. OTHER ASSETS

(to be specified)

13. NON-BANKING ASSETS

ACQUIRED IN SATIS-

FACTION OF CLAIMS

(standing mode of

valuation) _____________

(iii) From the State Government

(a) Short-term loans

Of which secured against:

(A) Government and other

approved securities

(B) Other tangible securities @

(d) Medium term loans

Of which secured against:

(A) Government and other approved

secur
ities

(B) Other tangible securities @

(c) Long-term loans

Of which secured against:

(A) Government and other

approved securities

(B) Other tangible securities @

(iv) Loans from other sources

(source and security to

be specified rule)

14. PROFIT AND LOSS

6. BILL 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

_________________

___________

Total ___________

CONTINGENT LIABILITIES
(i) Outstanding liabilities for

guarantees issued

(ii) Others

___________

Total ___________

____________

Total ____________

FORM B


Form of Profit and Loss Account

Profit and Loss Account for the year ended

EXPENDITURE

INCOME

Rs. P. Rs. P.

Rs. P. Rs. P.

1. Interest on deposits, borrowings, etc.

2. Salaries and allowances and provident fund

3. Directors and local committee members’ fees

and allowances

4. Rent, taxes, insurance, lighting, etc.

5. Law charges

6. Postage, telegrams and telephonic charges

7. Auditor’s fees

8. Depreciation on and repairs in property

1. Interest and discount

2. Commission, exchange and brokerage

3. Subsidies and donations

4. Income from non-banking assets and profit from

sale of or dealing with such assets

5. Other receipts

6. Loss (if any)

9. Stationery, printing and advertisement, etc.

10. Loss from sale of or dealing with non-banking

assets

11. Other expenditure

12. Balance of profit ___________

Total ___________

____________

Total ____________

General InstructionsThe corresponding figures (to the nearest rupee, if so desired for the year immediately preceding the year to which the profit and loss account relates should be shown in separate columns.”

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