uoh fnYyh ;sFks uqdR;kp >kysY;k lksgG~;kr c¡dhax QzaVhvlZ us 2018 lkBh lkrkjk ftYgk e/;orhZ c¡dsyk rhu iqjLdkjkauh xkSjfoys % 1½csLV lh-Ã-v¨- ¼MkW- jktsaæ ljdkGs½ 2½csLV MsVk lsD;qjhVh 3½csLV e¨ckÃy c¡dhax vWi - - -

Financial position of the Bank

The main ratios of the bank are as follows :

Sr.No. Particulars As on
31-3-2014
As on
31-3-2015
As on
31-3-2016
As on
31-3-2017
As on
31-3-2018
1 Share Capital 11082.56 12342.79 14524.71 15957.75 16601.84
2 Total reserves 26689.05 28422.50 28321.77 30226.84 32828.85
3 Free reserves 21768.92 23009.76 24863.46 27051.55 28705.68
4 Own Fund ( 1 + 3) 32851.48 35352.55 39388.17 43009.30 45307.52
5 NPA provisions 1664.18 1033.12 1198.30 1454.24 1274.34
6 Deposits 400358.84 449474.19 524682.20 590014.62 656576.07
7 Total borrowing 58202.94 64515.75 86515.10 76892.00 111781.82
8 Investment 184165.81 181406.87 226774.47 290469.78 332668.20
9 Loans issued 285125.26 310595.98 354577.74 351438.32 365754.31
10 Loans & advances 293802.15 350538.39 402423.96 386298.18 445312.98
11 % of recovery (June ) -- -- -- -- --
  A) Agril 99.52 99.50 98.13 95.12 98.13
  B) Non-agril 96.15 94.91 95.74 95.04 96.58
  C) Total 98.60 98.31 97.96 95.12 98.06
12 % of total over dues to total o/s 1.31 0.40 2.16 2.22 1.06
13 Working capital as on 517756.16 574676.96 676324.32 734701.03 833894.66
Average Working capital 447247.08 500520.32 569305.13 641986.41 684709.25
14 Working profit 2300.00 2500.00 3300.00 4000.00 3500.00
15 Per branches business 2426.02 2564.55 3026.78 3287.68 3444.99
16 Per employee Business 421.85 489.51 608.48 692.68 582.73
17 Net worth 38407.43 39212.41 40688.80 44130.72 48040.02
18 Total Branches 257 272 272 272 272
19 Total employees 1478 1425 1353 1291 1608
20 CD Ratio (%)Co-Op. 55.75 61.36 56.48 49.10 47.46
21 Dependency (%) 14.54 14.35 16.48 13.03 17.02
22 Liquidity (%) 46.90 50.00 55.10 59.00 47.41
23 CD Ratio (%)NABARD 73.38 77.98 76.69 65.47 67.82
24 NPA

 

A- Standard Assets 292197.28 349518.07 400953.25 384868.01 444017.63
  B- Sub Std. Assets 80.49 130.25 623.49 572.32 829.94
  C- Doubtful Assets 1524.38 890.07 847.22 857.85 465.41
  D- Loss Assets -- -- -- -- --
25 Total NPA       1604.87 1020.32 1470.71 1430.17 1295.35
26 Book Value of Assets 518520.28 576357.52 677495.36 755559.72 834292.21
27 Realiable Value of Assets 515032.92 571713.73 670898.26 730520.10 829472.64
28 Outside  Liabilities 467564.40 521743.35 620517.99 676332.15 786680.46
29 Imbalance Soci. 1 1 2 6 5
30 Imbalance Amounts 89.07 139.24 233.68 247.42 179.09
31 Current Deposits 64609.29 45380.47 44228.18 35580.02 42603.60
32 Saving Deposits 129531.36 157706.00 191810.11 213095.44 241601.88
33 Fixed Deposits 206218.19 246387.72 288643.91 341339.16 372370.59
34 CASA Deposits 194140.65 203086.47 236038.29 248675.46 284205.48
35 NPA Gross 0.55% 0.29% 0.37% 0.37% 0.29%
36                Net 0 % 0 % 0% 0 % 0 %
37 Yield on Assets 8.73 8.90 8.86 8.60 8.27
38 Cost of Funds 5.91 5.80 5.94 6.16 6.08
39 Financial Margin (*) 1  2.82 3.10 2.92 2.44 2.19
40 Cost of Management to Working funds (*) 4 1.89 1.95 1.82 1.46 1.38
41 Risk Cost (*) 3 0.03 0.05 0.05 0.00 0.00
42 Misc. Income to working Funds (*) 2 0.11 0.10 0.10 0.12 0.12
43 Net Margin 1.01 1.20 1.15 1.10 0.93
44 Cost of Deposits 6.93 6.74 6.85 6.92 6.73
45 C.R.A.R. 12.16 10.83 10.75 11.82 11.09
46 Per Staff Deposit + Adv 421.85 489.51 608.48 692.68 582.73
47 Per Branch Dep.+Adv. 2426.02 2564.55 3026.78 3287.68 3444.99
48 Salary per Staff 4.00 4.70 5.04 5.10 4.03
49 Profit per Branch 8.95 9.19 12.13 14.70 12.87
50 Staff per Branch 6 5 5 5 6
51 PACS in profit 832 794 818 734 719
52 PACS in loss 119 157 135 219 234
53 Audit Class "A" "A" "A" “A” “A”
54 Cash Reserve Ratio 7.30 6.43 7.00 7.00 7.00
55 Return on Assets 0.51 0.50 0.58 0.62 0.51