| No |
Particular |
Detail |
2020-21 |
2021-22 |
| 1 |
Credit Risk Adequacy Ratio |
Required as per rule Maintained By Bank |
9%
28.06% |
9%
32.50% |
| 2 |
Investment |
Book Value
Face Value
Market Value |
10128.58
10045.00
10439.90 |
11056.97
10995.00
11031.34 |
| 3 |
Investment Fluctuation. Reserve |
- |
315.09 |
405.09 |
| 4 |
Investment Depreciation Reserve |
|
262.58 |
163.02 |
| 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 |
|
759.28 |
777.13 |
| 9 |
Cost of Deposit |
|
5.16% |
4.46% |
| 10 |
Non- Performing Assets(NPA) |
% of Net
NPA
Total Provision of NPA
NPA Provision required
NPA Excess Provision |
0%
1338.96
172.44
1166.52 |
0%
1431.33
150.53
1280.80 |
| 11 |
Gross and Net NPA |
Gross NPA
Net NPA
% of Gross NPA to total Advances
% of Net NPA to total Advances |
185.17
NIL
2.00%
NIL |
167.60
NIL
1.83%
NIL |
| 12 |
Movement of NPA |
Opening Balanace
Addition during year
Less:Recovery during year
Closing Balance |
180.03
13.71
8.57
185.17 |
185.17
17.23
34.80
167.60 |
| 13 |
Working Capital |
|
23000.22 |
23264.44 |
| 14 |
Percentage of Interest Income to Working Capital |
|
7.40% |
7.35% |
| 15 |
Percentage of Interest Income to Total Advance |
|
9.00% |
9.41% |
| 16 |
Percentage of Operating Profit to Working Capital |
|
2.14% |
3.95% |
| 17 |
Return on Total Assets |
|
1.00% |
1.51% |
| 18 |
Workload Per Employee
(Advance. + Deposit) |
|
752.34 |
745.64 |
| 19 |
Net Profit Per Employee |
|
6.39 |
9.49 |
| 20 |
Provision on Standard Assets |
|
100.00 |
120.00 |
| 21 |
Date of Payment for Deposit Insurance Premium |
|
7.11.20
10.05.21 |
9.11.21
6.05.22 |
| 22 |
Percentage of Non-Interest to Total Income |
|
7.37% |
19.43% |
| 23 |
Percentage of Non-Interest to Working Capital |
|
0.59% |
1.77% |
| 24 |
| Classification of Advances |
(Rs. Lacs) |
| Classification of Assets |
Advances |
Provision Required |
Provision Made |
| 31-3-2021 |
31-3-2022 |
31-3-2021 |
31-3-2022 |
31-3-2021 |
31-3-2022 |
| Standard |
9071.77 |
8972.62 |
39.74 |
35.89 |
100.00 |
120.00 |
| Substandard |
9.50 |
13.36 |
2.33 |
7.67 |
2.33 |
1431.33 |
| Doubtful |
25.09 |
36.16 |
19.53 |
24.78 |
19.53 |
| Loss |
150.58 |
118.08 |
150.58 |
118.08 |
150.58 |
| Total |
9256.94 |
9140.22 |
212.18 |
186.42 |
272.44 |
186.42 |
| Excess Provision |
|
|
|
|
1166.52 |
1364.91 |
| Total |
9256.94 |
9140.22 |
212.18 |
186.42 |
1438.96 |
1551.33 |
|
|
| 25 |
| Provisions |
(Rs. Lacs) |
| Particular |
Provisions 31-03-2021 |
Provisions 31-03-2022 |
| Opening |
Add/Ded |
Closing |
Opening |
Add/Ded |
Closing |
| Standard Assets |
80.00 |
20.00 |
100.00 |
100.00 |
20.00 |
Addition during year |
| NPA Provision |
1262.41 |
76.55 |
1338.96 |
1338.96 |
92.37 |
1431.33 |
| Investment Depriciation |
232.58 |
30.00 |
262.58 |
262.58 |
-99.56 |
163.02 |
|
|
8000 77 6666