महाराष्ट्र राज्य सहकारी बैंक्स असोसिएशन लि- मुंबई यांच्या वतीने दिल्या जाणाऱ्या ßकै-वैकुंठभाई मेहता उत्कृष्ट जिल्हा मध्यवर्ती सहकारी बँकÞ या पुरस्कारासाठी सन २०१६ साठी सातारा जिल्हा मध्यवर्ती सहकारी बँकेची निवड---

Financial position of the Bank

The main ratios of the bank are as follows :

Sr.No. Particulars As on
31-3-2013
As on
31-3-2014
As on
31-3-2015
As on
31-3-2016
As on
31-3-2017
1 Share Capital 9568.97 11082.56 12342.79 14524.71 15957.75
2 Total reserves 25420.91 26689.05 28422.50 28321.77 30226.84
3 Free reserves 19908.24 21768.92 23009.76 24863.46 27051.55
4 Own Fund ( 1 + 3) 29477.21 32851.48 35352.55 39388.17 43009.30
5 NPA provisions 1481.82 1664.18 1033.12 1198.30 1454.24
6 Deposits 350731.77 400358.84 449474.19 524682.20 590014.62
7 Total borrowing 29656.35 58202.94 64515.75 86515.10 76892.00
8 Investment 141300.95 184165.81 181406.87 226774.47 290469.78
9 Loans issued 256171.96 285125.26 310595.98 354577.74 351438.32
10 Loans & advances 264909.65 293802.15 350538.39 402423.96 386298.18
11 % of recovery (June ) -- -- -- -- --
  A) Agril 100.00 99.52 99.50 98.13 95.12
  B) Non-agril 93.94 96.15 94.91 95.74 95.04
  C) Total 98.56 98.60 98.31 97.96 95.12
12 % of total over dues to total o/s 0.87 1.31 0.40 2.16 2.22
13 Working capital as on 431902.22 517756.16 574676.96 676324.32 734701.03
Average Working capital 370579.75 447247.08 500520.32 569305.13 641986.41
14 Working profit 1900.00 2300.00 2500.00 3300.00 4000.00
15 Per branches business 2030.65 2426.02 2564.55 3026.78 3287.68
16 Per employee Business 339.98 421.85 489.51 608.48 692.68
17 Net worth 35408.06 38407.43 39212.41 40688.80 44130.72
18 Total Branches 257 257 272 272 272
19 Total employees 1535 1478 1425 1353 1291
20 CD Ratio (%)Co-Op. 63.84 55.75 61.36 56.48 49.10
21 Dependency (%) 8.46 14.54 14.35 16.48 13.03
22 Liquidity (%) 39.70 46.90 50.00 55.10 59.00
23 CD Ratio (%)NABARD 75.53 73.38 77.98 76.69 65.47
24 NPA

 

A- Standard Assets 263418.87 292197.28 349518.07 400953.25 384868.01
  B- Sub Std. Assets 184.92 80.49 130.25 623.49 572.32
  C- Doubtful Assets 1305.86 1524.38 890.07 847.22 857.85
  D- Loss Assets -- -- -- --

 

25 Total NPA       1490.78 1604.87 1020.32 1470.71 1430.17
26 Book Value of Assets 432575.33 518520.28 576357.52 677495.36 755559.72
27 Realiable Value of Assets 429872.62 515032.92 571713.73 670898.26 730520.10
28 Outside  Liabilities 385144.87 467564.40 521743.35 620517.99 676332.15
29 Imbalance Soci. 1 1 1 2 6
30 Imbalance Amounts 9.11 89.07 139.24 233.68 247.72
31 Current Deposits 48065.37 64609.29 45380.47 44228.18 35580.02
32 Saving Deposits 114866.05 129531.36 157706.00 191810.11 213095.44
33 Fixed Deposits 187800.35 206218.19 246387.72 288643.91 341339.16
34 CASA Deposits 162931.42 194140.65 203086.47 236038.29 248675.46
35 NPA Gross 0.56% 0.55% 0.29% 0.37% 0.37%
36                Net 0 % 0 % 0% 0 % 0 %
37 Yield on Assets 9.09 8.73 8.90 8.86 8.60
38 Cost of Funds 5.96 5.91 5.80 5.94 6.16
39 Financial Margin (*) 1  3.13 2.82 3.10 2.92 2.44
40 Cost of Management to Working funds (*) 4 1.81 1.89 1.95 1.82 1.46
41 Risk Cost (*) 3 0.03 0.03 0.05 0.05 0.00
42 Misc. Income to working Funds (*) 2 0.12 0.11 0.10 0.10 0.12
43 Net Margin 1.41 1.01 1.20 1.15 1.10
44 Cost of Deposits 7.03 6.93 6.74 6.85 6.92
45 C.R.A.R. 12.34 12.16 10.83 10.75 11.82
46 Per Staff Deposit + Adv 339.98 421.85 489.51 608.48 692.68
47 Per Branch Dep.+Adv. 2030.65 2426.02 2564.55 3026.78 3287.68
48 Salary per Staff 3.36 4.00 4.70 5.04 5.10
49 Profit per Branch 7.39 8.95 9.19 12.13 14.70
50 Staff per Branch 6 6 5 5 5
51 PACS in profit 782 832 794 818 734
52 PACS in loss 169 119 157 135 219
53 Audit Class "A" "A" "A" “A” “A”
54 Cash Reserve Ratio 4.90 7.30 6.43 7.00 7.00