We, the understanding Auditors of the RAJKOT NAGARIK SAHAKARI BANK LTD., present report on the Balance-Sheet and Accounts of the Bank as On 31-03-1997.

We have examined the above Balancesheet of RAJKOT NAGARIK SAHAKARI BANK LTD., as on 31-03-1997 and the Profit&Loss Account of even date of Head Office Wherein Accounts of Branches audited by other Auditors are incorporated.

SUBJECT TO OUR SEPARETE REPORT OF EVEN DATE, We Report as under :

1. In our opinion and information given to us and in accordance with the books of bank, subject to our seperate report, the Balance Sheet contains all the necessary particulars and is drawn up properly which accounts for and exihibit the true and correct position of the accounts of the Bank.

2. Wherever we have called for any explanation or any information such explantations and informaiton, have been given to us and have been found satisfactory.

3. The transactions of the Bank which have come to our notice have been within the compentence of the bank.

4. The returns obtained from branches of the Bank have been found adequate for the purpose of Audit.

5. The profit & Loss Account shows a true balance of Profit for the year covered under such accounts, subject to our separate note.

6. In our opinion, the Balance Sheet and Proftit & Loss Account have been drawn in conformity with statutory requirements and the Bllks of Accounts as required by Law have been kept by the Bank. 

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