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| we are in > Annual Reports |
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Statement of Bank’s Performance and Progress |
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Sl. No. |
Particulars |
31.03.2006 |
31.03.2007 |
31.03.2008 |
01 |
Share Capital |
583.03 |
615.85 |
615.64 |
02 |
Reserves |
12707.85 |
13121.08 |
11726.34 |
03 |
Deposit |
34898.26 |
33049.52 |
33163.42 |
04 |
Advances |
21362.89 |
18900.91 |
18011.39 |
05 |
Working Capital |
49740.36 |
50534.02 |
53355.70 |
06 |
Profit/Loss |
-10071.19 |
-11204.10 |
-9779.61 |
07 |
No. of Branches |
15 |
15 |
15 |
08 |
Membership |
40666 |
41984 |
41984 |
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Additional Disclosure of information in the Annual report as per directives of RBI vide circular No.UBO.CO.PCB.20/16.56.00/2002-03, Dt: 30-10-2002
Financial Information |
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Sl.
No. |
Particulars |
AUDITED |
PROVISIONAL |
31-03-2005 |
31-03-2006 |
31-03-2007 |
31-03-2008 |
01 |
Capital Risk Assets Ratio (CRAR) |
(-) 39.5% |
(-) 54.4% |
(-) 69.6% |
-35.09% |
02 |
Investments :
i. Face Value
ii. Book Value
iii.Market Value |
8778.20
9285.21
9210.11
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8404.20
8908.08
8834.51
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8304.20
8789.57
8487.29
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8254.20
8718.05
8422.51
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03 |
Advances against :
a. Real Estate (for business & other purposes)
b. Construction/Housing |
8324.36
8030.71
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7729.08
7979.02
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6809.14
7868.34
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6835.25
7493.89
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04 |
Advances to Ex-Directors:
a. Fund Based
b. Non-fund Based |
527.02
230.00
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943.17
230.00
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1011.29
230.00
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964.11
230.00
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05 |
Cost of Deposits |
6.90% |
5.80% |
5.25% |
5.12% |
06 |
Non –Performing advances
a. Gross NPAs
b. Net NPAs |
11403.50
9399.26
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14696.67
4866.92
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12109.71
2379.96
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10759.83
930.08
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07 |
Profitability
a. Int.Income as % to working funds
b. Non Int. Income as % to working funds
c. Business (Deposits+Advance)per employee
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5.56
0.47
129.99
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4.90
0.28
136.40
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3.50
0.23
130.52
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4.58
3.00
140.98
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08 |
Provisions made towards:
a. Standard Assets
b. NPAs
c. Investments
d. Other Assets |
25.27
1991.55
242.25
..
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26.68
9829.75
377.98
500.25
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44.57
10215.45
392.59
500.25
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44.57
8812.85
392.59
500.25
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Statement of Expenditure for the years from 2004-05 to 2007-08 & Budget For 2008-09 |
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Sl.
No. |
Expenditure |
AUDITED |
PROVISIONAL |
BUDGET FOR
2008-09 |
2004-05 |
2005-06 |
2006-07 |
2007-08 |
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1. |
Int. on deposit, Borrowings & Discount |
23,10,26,574.34 |
19,10,19,229.39 |
17,17,31,217.10 |
15,74,07,680.06 |
18,00,00,000.00 |
2. |
Establishment and Salaries |
7,49,50,181.01 |
7,29,80,827.05 |
7,53,12,707.59 |
7,06,73,102.50 |
7,00,00,000.00 |
3. |
Directors and Local Committee |
…………. |
………….. |
…………. |
…………… |
…………. |
4. |
Rent, Taxes, Insurance & Lighting etc., |
1,35,06,590.21 |
1,49,93,862.66 |
1,56,43,108.58 |
1,41,32,426.49 |
1,45,00,000.00 |
5. |
Law Charges |
2,05,456.46 |
1,43,462.09 |
1,64,489.14 |
2,52,853.80 |
3,00,000.00 |
6. |
Postage, Telegrams & Telephones |
18,70,969.50 |
20,36,340.95 |
15,65,306.26 |
13,21,601.11 |
17,00,000.00 |
7. |
Audit Fee |
7,02,822.00 |
9,45,539.00 |
2,50,470.00 |
93.098.00 |
7,00,000.00 |
8. |
Depreciation |
2,89,76,185.94 |
3,52,33,946.49 |
2,25,74,546.87 |
1,12,54,948.48 |
1,25,00,000.00 |
9. |
Printing, Stationery & Advertisement |
30,96,803.05 |
35,56,237.77 |
28,67,279.06 |
39,84,727.93 |
45,00,000.00 |
10. |
Other Expenses |
94,86,181.12 |
51,25,080.28 |
52,33,69,776.18 |
31,40,210.60 |
25,00,000.00 |
11. |
Provision for bad & doubtful debts |
1,16,50,000.00 |
15,31,83,000.00 |
3,85,69,776.18 |
…………… |
33,00,000.00 |
12. |
Provision for misapp. As per enquiry u/s63 (11) |
……………. |
………….. |
…………… |
………….. |
…………… |
13. |
Provision for other assets & Std. Assets |
…………… |
5,26,93,000.00 |
17,89,000.00 |
………….. |
…………… |
14. |
Prior period expenses |
…………… |
27,23,396.34 |
………….. |
…………. |
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TOTAL |
37,54,71,763.63 |
53,46,33,922.02 |
33,57,01,000.97 |
26,22,60,648.97 |
…………… |
| 15. |
Excess of income over Expenditure |
……………. |
……………. |
…………… |
14,24,49,095.69 |
………….. |
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TOTAL |
37,54,71,763.63 |
53,46,33,922.02 |
33,57,01,000.97 |
40,47,09,744.66 |
29,00,00,000.00 |
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Statement of Income for the years from 2004-05 to 2007-08 |
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Sl.
No. |
Expenditure |
AUDITED |
PROVISIONAL |
ANTICIPATED INCOME FOR
2008-09 |
| 2004-05 |
2005-06 |
2006-07 |
2007-08 |
| 1. |
Interest
& Discount |
22,11,61,539.36 |
24,41,78,552.74 |
20,25,65,594.50 |
24,46,21,702.35 |
32,00,00,000.00 |
| 2. |
Commission
& Exchange |
56,78,355.02 |
65,12,047.67 |
71,62,255.14 |
55,51,363.85 |
1,00,00,000.00 |
| 3. |
Miscellaneous Income |
88,58,866.61 |
1,27,47,202.67 |
1,26,81,489.82 |
1,42,76,678.46 |
2,00,00,000.00 |
| 4. |
Income from Sale of Invest/Govt. Securities
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41,84,197.00 |
………… |
…………… |
……………. |
………….. |
| 5. |
Prior Period Income |
……………. |
11,44,236.00 |
…………… |
…………….. |
…………… |
| 6. |
NPA prov. Written back on recovery
is being reversed
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……………. |
………… |
…………… |
14,02,60,000.00 |
6,00,00,000.00 |
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TOTAL |
23,98,82,957.99 |
26,45,82,039.08 |
22,24,09,339.46 |
40,47,09,744.66 |
………….. |
| 7. |
Excess of Expenditure over income |
13,55,88,805.64 |
27,00,51,882.94 |
11,32,91,661.13 |
…………… |
………….. |
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TOTAL |
37,54,71,763.63 |
53,46,33,922.02 |
33,57,01,000.59 |
40,47,09,744.66 |
41,00,00,000.00 |
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Anticipated Operational Profits during the year 2008-09 |
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Sl No. |
Particulars |
Amount |
1. |
Anticipated Income for the year 2008-09 |
41,00,00,000-00 |
2. |
Anticipated Expenditure for the year 2008-09 |
29,00,00,000-00 |
3. |
Anticipated Operational Profit |
12,00,00,000-00 |
4. |
Anticipated Reduction in accumulated losses from the level of
Rs. 97,79,61,834-00 as on 31-03-2008 |
80,00,00,000-00 |
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