| No |
Particular |
Detail |
2018-19 |
2019-20 |
| 1 |
Credit Risk Adequacy Ratio |
Required as per rule Maintained By Bank |
9%
25.62% |
9%
26.54% |
| 2 |
Investment |
Book Value
Face Value
Market Value |
6972.32
6881.00
7007.27 |
8685.99
8590.00
9066.08 |
| 3 |
Investment Fluctuation. Reserve |
- |
245.09 |
251.09 |
| 4 |
Investment Depreciation Reserve |
|
232.58 |
232.58 |
| 5 |
Loans to Builder, Contractors |
|
Nil |
Nil |
| 6 |
Loan Against Shares & Debentures |
|
Nil |
Nil |
| 7 |
Loans to Directors against their Own Fixed Deposit Receipt of Bank |
|
0.00 |
0.00 |
| 8 |
Housing Loans |
|
751.14 |
662.90 |
| 9 |
Cost of Deposit |
|
5.75% |
5.96% |
| 10 |
Non- Performing Assets(NPA) |
% of Net
NPA
Total Provision of NPA
NPA Provision required
NPA Excess Provision |
0%
1202.50
226.16
976.44 |
0%
1262.41
173.49
1088.92 |
| 11 |
Gross and Net NPA |
Gross NPA
Net NPA
% of Gross NPA to total Advances
% of Net NPA to total Advances |
193.92
NIL
2.05%
NIL |
180.03
NIL
1.96%
NIL |
| 12 |
Movement of NPA |
Opening Balanace
Addition during year
Less:Recovery during year
Closing Balance |
207.75
12.55
26.38
193.92 |
199.68
1.24
20.89
180.03 |
| 13 |
Working Capital |
|
20081.24 |
21953.43 |
| 14 |
Percentage of Interest Income to Working Capital |
|
7.95% |
7.40% |
| 15 |
Percentage of Interest Income to Total Advance |
|
9.50% |
9.67% |
| 16 |
Percentage of Operating Profit to Working Capital |
|
1.71% |
1.70% |
| 17 |
Return on Total Assets |
|
0.94% |
0.89% |
| 18 |
Workload Per Employee
(Advance. + Deposit) |
|
578.10 |
638.13 |
| 19 |
Net Profit Per Employee |
|
4.42 |
4.77 |
| 20 |
Provision on Standard Assets |
|
80.00 |
80.00 |
| 21 |
Date of Payment for Deposit Insurance Premium |
|
13.11.18
08.05.19 |
16.11.19
06.05.20 |
| 22 |
Percentage of Non-Interest to Total Income |
|
1.62% |
5.49% |
| 23 |
Percentage of Non-Interest to Working Capital |
|
0.13% |
0.43% |
| 24 |
| Classification of Advances |
(Rs. Lacs) |
| Classification of Assets |
Advances |
Provision Required |
Provision Made |
| 31-3-2019 |
31-3-2020 |
31-3-2019 |
31-3-2020 |
31-3-2019 |
31-3-2020 |
| Standard |
9244.34 |
9003.50 |
36.98 |
36.01 |
80.00 |
80.00 |
| Substandard |
9.53 |
6.00 |
9.42 |
5.42 |
9.42 |
5.42 |
| Doubtful |
30.77 |
21.27 |
26.14 |
15.32 |
26.14 |
15.32 |
| Loss |
153.62 |
152.76 |
153.62 |
152.76 |
153.62 |
152.76 |
| Total |
9438.26 |
9183.53 |
226.16 |
209.51 |
269.18 |
209.51 |
| Excess Provision |
|
|
|
|
1013.42 |
1052.90 |
| Total |
9438.26 |
9183.53 |
|
|
1282.60 |
1262.41 |
|
|
| 25 |
| Provisions |
(Rs. Lacs) |
| Particular |
Provisions 31-03-2019 |
Provisions 31-03-2020 |
| Opening |
Add/Ded |
Closing |
Opening |
Add/Ded |
Closing |
| Standard Assets |
75.00 |
5.00 |
80.00 |
80.00 |
|
80.00 |
| NPA Provision |
1146.85 |
55.75 |
1202.60 |
1202.60 |
139.80 |
1342.40 |
| Investment Depriciation |
- |
232.58 |
- |
- |
232.58 |
232.58 |
|
|
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