| No |
Particular |
Detail |
2019-20 |
2020-21 |
| 1 |
Credit Risk Adequacy Ratio |
Required as per rule Maintained By Bank |
9%
26.54% |
9%
28.06% |
| 2 |
Investment |
Book Value
Face Value
Market Value |
8685.99
8590.00
9066.08 |
10128.58
10045.00
10439.90 |
| 3 |
Investment Fluctuation. Reserve |
- |
251.09 |
315.09 |
| 4 |
Investment Depreciation Reserve |
|
232.58 |
262.58 |
| 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 |
|
662.90 |
759.28 |
| 9 |
Cost of Deposit |
|
5.96% |
5.16% |
| 10 |
Non- Performing Assets(NPA) |
% of Net
NPA
Total Provision of NPA
NPA Provision required
NPA Excess Provision |
0%
1262.41
173.49
1088.92 |
0%
1338.96
172.44
1166.52 |
| 11 |
Gross and Net NPA |
Gross NPA
Net NPA
% of Gross NPA to total Advances
% of Net NPA to total Advances |
180.03
NIL
1.96%
NIL |
185.17
NIL
2.00%
NIL |
| 12 |
Movement of NPA |
Opening Balanace
Addition during year
Less:Recovery during year
Closing Balance |
193.92
6.39
20.27
180.03 |
180.03
13.71
8.57
185.17 |
| 13 |
Working Capital |
|
21953.43 |
23000.22 |
| 14 |
Percentage of Interest Income to Working Capital |
|
7.40% |
7.40% |
| 15 |
Percentage of Interest Income to Total Advance |
|
9.67% |
9.00% |
| 16 |
Percentage of Operating Profit to Working Capital |
|
1.70% |
2.14% |
| 17 |
Return on Total Assets |
|
0.89% |
1.00% |
| 18 |
Workload Per Employee
(Advance. + Deposit) |
|
638.13 |
752.34 |
| 19 |
Net Profit Per Employee |
|
4.77 |
6.39 |
| 20 |
Provision on Standard Assets |
|
80.00 |
100.00 |
| 21 |
Date of Payment for Deposit Insurance Premium |
|
16.11.19
06.05.20 |
7.11.20
10.05.21 |
| 22 |
Percentage of Non-Interest to Total Income |
|
5.49% |
7.37% |
| 23 |
Percentage of Non-Interest to Working Capital |
|
0.43% |
0.59% |
| 24 |
| Classification of Advances |
(Rs. Lacs) |
| Classification of Assets |
Advances |
Provision Required |
Provision Made |
| 31-3-2020 |
31-3-2021 |
31-3-2020 |
31-3-2021 |
31-3-2020 |
31-3-2021 |
| Standard |
9003.50 |
9071.77 |
39.21 |
39.74 |
80.00 |
100.00 |
| Substandard |
6.00 |
9.50 |
5.42 |
2.33 |
5.42 |
2.33 |
| Doubtful |
21.27 |
25.09 |
15.32 |
19.53 |
15.32 |
19.53 |
| Loss |
152.76 |
150.58 |
152.76 |
150.58 |
152.76 |
150.58 |
| Total |
9183.53 |
9256.94 |
212.71 |
212.18 |
253.50 |
272.44 |
| Excess Provision |
|
|
|
|
1052.90 |
1166.52 |
| Total |
9183.53 |
9256.94 |
212.71 |
212.18 |
1262.41 |
1438.96 |
|
|
| 25 |
| Provisions |
(Rs. Lacs) |
| Particular |
Provisions 31-03-2020 |
Provisions 31-03-2021 |
| Opening |
Add/Ded |
Closing |
Opening |
Add/Ded |
Closing |
| Standard Assets |
80.00 |
|
80.00 |
80.00 |
20.00 |
100.00 |
| NPA Provision |
1202.60 |
59.81 |
1262.41 |
1262.41 |
76.55 |
1338.96 |
| Investment Depriciation |
232.58 |
0 |
232.58 |
232.58 |
30.00 |
262.58 |
|
|
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