| No |
Particular |
Detail |
2016-17 |
2017-18 |
| 1 |
Credit Risk Adequacy Ratio |
Required as per rule Maintained By Bank |
9%
22.82% |
9%
25.62% |
| 2 |
Investment |
Book Value
Face Value
Market Value |
6721.86
6632.00
6925.02 |
6501.62
6407.00
6489.21 |
| 3 |
Investment Fluctuation. Reserve |
- |
148.64 |
205.09 |
| 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 |
|
1049.39 |
767.55 |
| 9 |
Cost of Deposit |
|
6.81% |
6.08% |
| 10 |
Non- Performing Assets(NPA) |
% of Net
NPA
Total Provision of NPA
NPA Provision required
NPA Excess Provision |
0%
1088.16
249.98
913.18 |
0%
1146.85
222.54
999.31 |
| 11 |
Gross and Net NPA |
Gross NPA
Net NPA
% of Gross NPA to total Advances
% of Net NPA to total Advances |
233.84
NIL
2.57%
NIL |
207.75
NIL
2.40%
NIL |
| 12 |
Movement of NPA |
Opening Balanace
Addition during year
Less:Recovery during year
Closing Balance |
227.52
21.66
15.34
233.84 |
233.84
9.45
35.54
207.75 |
| 13 |
Working Capital |
|
20206.18 |
19259.96 |
| 14 |
Percentage of Interest Income to Working Capital |
|
8.49% |
8.20% |
| 15 |
Percentage of Interest Income to Total Advance |
|
10.80% |
10.16% |
| 16 |
Percentage of Operating Profit to Working Capital |
|
1.54% |
1.91% |
| 17 |
Return on Total Assets |
|
0.87% |
0.96% |
| 18 |
Workload Per Employee
(Advance. + Deposit) |
|
597.74 |
522.59 |
| 19 |
Net Profit Per Employee |
|
4.19 |
4.12 |
| 20 |
Provision on Standard Assets |
|
75.00 |
75.00 |
| 21 |
Date of Payment for Deposit Insurance Premium |
|
21.11.16
20.05.17 |
14.10.17
08.05.18 |
| 22 |
Percentage of Non-Interest to Total Income |
|
3.68% |
3.30% |
| 23 |
Percentage of Non-Interest to Working Capital |
|
0.32% |
0.28% |
| 24 |
| Classification of Advances |
(Rs. Lacs) |
| Classification of Assets |
Advances |
Provision Required |
Provision Made |
| 31-3-2017 |
31-3-2018 |
31-3-2017 |
31-3-2018 |
31-3-2017 |
31-3-2018 |
| Standard |
8867.62 |
8455.04 |
42.61 |
41.93 |
75.00 |
75.00 |
| Substandard |
20.17 |
8.05 |
2.02 |
0.81 |
2.02 |
0.81 |
| Doubtful |
22.77 |
38.95 |
14.45 |
19.05 |
14.45 |
19.05 |
| Loss |
190.90 |
160.75 |
190.90 |
160.75 |
190.90 |
160.75 |
| Total |
9101.46 |
8662.79 |
249.98 |
222.54 |
249.98 |
222.54 |
| Excess Provision |
|
|
|
|
912.18 |
999.30 |
| Total |
9101.46 |
8662.79 |
249.98 |
222.54 |
1162.16 |
1221.85 |
|
|
| 25 |
| Provisions |
(Rs. Lacs) |
| Particular |
Provisions 31-03-2017 |
Provisions 31-03-2018 |
| Opening |
Add/Ded |
Closing |
Opening |
Add/Ded |
Closing |
| Standard Assets |
65.50 |
10.00 |
75.00 |
75.00 |
- |
75.00 |
| NPA Provision |
992.08 |
15.77 |
1088.16 |
1088.16 |
58.69 |
1146.85 |
| Investment Depriciation |
- |
- |
232.58 |
- |
- |
232.58 |
|
|
