Credit Risk Adequacy Ratio

Required as per rule Maintained By Bank

9%
25.62%

9%
25.62%

Investment

Book Value
Face Value
Market Value

6501.62
6407.00
6489.21

6972.32
6881.00
7007.27

Investment Fluctuation. Reserve

-

205.09

245.09

Investment Depreciation Reserve

 

232.58

232.58

Loans to Builder, Contractors

 

Nil

Nil

Loan Against Shares & Debentures

 

Nil

Nil

Loans to Directors against their Own Fixed Deposit Receipt of Bank

 

0.00

0.00

Housing Loans

 

779.42

751.14

Cost of Deposit

 

6.08%

5.75%

Non- Performing Assets(NPA)

% of Net NPA
Total Provision of NPA
NPA Provision required
NPA Excess Provision

0%
1146.85
232.54
988.94

0%
1202.50
226.16
976.44

Gross and Net NPA

Gross NPA
Net NPA
% of Gross NPA to total Advances
% of Net NPA to total Advances

207.75
NIL
2.40%
NIL

193.92
NIL
2.05%
NIL

Movement of NPA

Opening Balanace
Addition during year
Less:Recovery during year
Closing Balance

233.84
9.45
35.54
207.75

207.75
12.55
26.38
193.92

Working Capital

 

19260

20081.24

Percentage of Interest Income to Working Capital

 

8.20%

7.95%

Percentage of Interest Income to Total Advance

 

10.16%

9.50%

Percentage of Operating Profit to Working Capital

 

1.91%

1.71%

Return on Total Assets

 

0.96%

0.94%

Workload Per Employee
(Advance. + Deposit)

 

522.59

578.10

Net Profit Per Employee

 

4.12

4.42

Provision on Standard Assets

 

75.00

80.00

Date of Payment for Deposit Insurance Premium

 

14.10.17
08.05.18

13.11.18
08.05.19

Percentage of Non-Interest to Total Income

 

3.30%

1.62%

Percentage of Non-Interest to Working Capital

 

0.28%

0.13%