SLR INVESTMENTS

S.NoTYPE OF SECURITYBOOK VALUE
1central and state govt securities18795.37
2other trustee securities
3fixed Deposits with APCOB34496.02
4TOTAL53291.39

NON-SLR INVESTMENTS

S.NoissueramountExtent of private placementExtent of below investment grade securities already investedExtent of unrated securities already investedextent of unlisted securities
1PSU0.000.000.000.000.00
2FI(shares)2820.690.000.000.000.00
3flexi dep. with APCOB6.970.000.000.000.00
4other dep. with APCOB812.470.000.000.000.00
5ACSF with APCOB38.510.000.000.000.00
6BN bonds with NABARD99.750.000.000.000.00
7INVESTMENT IN OTHER BANKS50.000.000.000.000.00
8other investments2350.000.000.000.000.00
9total6178.390.000.000.000.00
10provision held towards deprciation 0.00
11net 6178.390.000.000.000.00

COST OF DEPOSITS

Average costs of deposits for the year of 2016-177.65

NON PERFORMING ASSETS(NPAS)

sl.noparticulars amount
aGross NPAs 2,041.57
bNet NPAs 0.00
c% of gross NPAs to total advances2.29
d% of NET NPAs to net advances 0.00

MOVEMENT OF NPAs

sl.noparticulars amount
aGross NPAs at the begining of the year 1,953.49
bAdditions during the year 88.08
c
dGross NPAs at the end of the year 2,047.57

PROFITABILITY

sl.noparticulars 2016-172015-16
aINTEREST INCOME as % of average working funds 3.755.04
bNON int. income as % of average working funds 3.833.28
coperte profit of % of average working funds0.460.47
dReturn on Assets(%)6.808.04
eBusiness per employee(deposites+advances) 658.42697.28
fprofit per employee 2.813.07

PROVISIONS

sl.noparticulars 2016-172015-16
aPROVISION for NPA 1,941.441941.44
b1)provision for overdue interest 2,465.663015.66
2)provision for standard Assets 244.00244.00
2)provision for inter branch reconcilation 0.000.00
3)provision for inter bank reconcilation 0.000.00
4)provision for gratuity fund 0.000.00
ctotal4,651.105,201.10

MOVEMENT IN PROVISIONS

a.movement in provisions towards NPAs

sl.noparticulars 2016-172015-16
1opening balance 1,941.441,941.44
2provision made during the year 0.000.00
3total 1,941.441,941.44
4less: provision write back during the year 0.000.00
5closing balance 1,941.441,941.44

b.movement in provisions towards deprication on fixed & other assets

sl.noparticulars 2016-172015-16
1opening balance 751.33654.71
2provision made during the year 112.5096.62
3total 863.83751.33
4less: provision write back during the year 0.000.00
5closing balance 863.83751.33

c.movement in provisions towards deprication on investments

sl.noparticulars 2016-172015-16
1opening balance 0.000.00
2provision made during the year 0.000.00
3total 0.000.00
4less: provision write back during the year 0.000.00
5closing balance 0.000.00

d.movement in provisions towards deprication on standard assets

sl.noparticulars 2016-172015-16
1opening balance 244.00244.00
2provision made during the year 0.000.00
3total 244.00244.00
4less: provision write back during the year 0.000.00
5closing balance 244.00244.00

e.movement in provisions towards deprication on overdue interest

sl.noparticulars 2016-172015-16
1opening balance 3,0156.6630156.66
2provision made during the year 0.000.00
3total 3,0156.6630156.66
4less: provision write back during the year 550.000.00
5closing balance 2465.6630156.66
sl.noparticulars amount availableamount requiredsurplus
1provision for standard assets 244.00240.113.89
2provision for NPA 1941.441,379.33562.11
3provision for OD interest 2465.661038.641,427.02
4
total 4651.102658.081,993.02