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
31-3-2012
As on
31-3-2013
As on
31-3-2014
As on
31-3-2015
As on
31-3-2016
1 Share Capital 7596.56 9568.97 11082.56 12342.79 14524.71
2 Total reserves 22668.69 25420.91 26689.05 28422.50 28321.77
3 Free reserves 18252.34 19908.24 21768.92 23009.76 24863.46
4 Own Fund ( 1 + 3) 25848.90 29477.21 32851.48 35352.55 39388.17
5 NPA provisions 1491.97 1481.82 1664.18 1033.12 1198.30
6 Deposits 289434.37 350731.77 400358.84 449474.19 524682.20
7 Total borrowing 24089.94 29656.35 58202.94 64515.75 86515.10
8 Investment 141008.00 141300.95 184165.81 181406.87 226774.47
9 Loans issued 197362.82 256171.96 285125.26 310595.98 354577.74
10 Loans & advances 193530.22 264909.65 293802.15 350538.39 402423.96
11 % of recovery (June ) -- -- -- -- --
  A) Agril 100.00 100.00 99.52 99.50
  B) Non-agril 83.23 93.94 96.15 94.91
  C) Total 99.31 98.56 98.60 98.31
12 % of total over dues to total o/s 0.89 0.87 1.31 0.40 2.16
13 Working capital as on 359844.24 431902.22 517756.16 574676.96 676324.32
Average Working capital 310450.08 370579.75 447247.08 500520.32 569305.13
14 Working profit 1600.00 1900.00 2300.00 2500.00 3300.00
15 Per branches business 1668.33 2030.65 2426.02 2564.55 3026.78
16 Per employee Business 269.99 339.98 421.85 489.51 608.48
17 Net worth 31297.69 35408.06 38407.43 39212.41 44354.68
18 Total Branches 251 257 257 272 272
19 Total employees 1551 1535 1478 1425 1353
20 CD Ratio (%)Co-Op. 56.71 63.84 55.75 61.36 56.48
21 Dependency (%) 8.32 8.46 14.54 14.35 16.48
22 Liquidity (%) 59.60 39.70 46.90 50.00 55.10
23 CD Ratio (%)NABARD 66.86 75.53 73.38 77.98 76.69
24 NPA

 

A- Standard Assets 192000.27 263418.87 292197.28 349518.07 400953.25
  B- Sub Std. Assets 222.91 184.92 80.49 130.25 623.49
  C- Doubtful Assets 1312.21 1305.86 1524.38 890.07 847.22
  D- Loss Assets -- -- -- --

 

25 Total NPA       1535.12 1490.78 1604.87 1020.32 1470.71
26 Book Value of Assets 359844.24 432575.33 518520.28 576357.52 677495.36
27 Realiable Value of Assets 358159.01 429872.62 515032.92 571713.73 677898.26
28 Outside  Liabilities 317067.49 385144.87 467564.40 521743.35 620517.99
29 Imbalance Soci. -- -- -- -- --
30 Imbalance Amounts -- -- -- -- --
31 Current Deposits 44072.76 48065.37 64609.29 45380.47 44228.18
32 Saving Deposits 104040.17 114866.05 129531.36 157706.00 191810.11
33 Fixed Deposits 141321.44 187800.35 206218.19 246387.72 288643.91
34 CASA Deposits 148112.93 162931.42 194140.65 203086.47 236038.29
35 NPA Gross 0.79% 0.56% 0.55% 0.29% 0.37%
36                Net 0 % 0 % 0% 0 % 0 %
37 Yield on Assets 8.67 9.09 8.73 8.90 8.86
38 Cost of Funds 4.85 5.96 5.91 5.80 5.94
39 Financial Margin (*) 1  3.82 3.13 2.82 3.10 2.92
40 Cost of Management to Working funds (*) 4 2.74 1.81 1.89 1.95 1.82
41 Risk Cost (*) 3 0.24 0.03 0.03 0.05 0.05
42 Misc. Income to working Funds (*) 2 0.14 0.12 0.11 0.10 0.10
43 Net Margin 0.98 1.41 1.01 1.20 1.15
44 Cost of Deposits 5.73 7.03 6.93 6.74 6.85
45 C.R.A.R. 10.79 12.34 12.16 10.83 10.75
46 Per Staff Deposit + Adv 269.99 339.98 421.85 489.51 608.48
47 Per Branch Dep.+Adv. 1668.33 2030.65 2426.02 2564.55 3026.78
48 Salary per Staff 3.30 3.36 4.00 4.70 5.04
49 Profit per Branch 6.37 7.39 8.95 9.19 12.13
50 Staff per Branch 6 6 6 5 5
51 PACS in profit 743 782 832 794

 

52 PACS in loss 202 169 119 157

 

53 Audit Class "A" "A" "A" “A” “A”
54 Cash Reserve Ratio 6.80 4.90 7.30 6.43 7.00