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SLR INVESTMENTS

S.No TYPE OF SECURITY BOOK VALUE
1 central and state govt securities 18795.37
2 other trustee securities
3 fixed Deposits with APCOB 34496.02
4 TOTAL 53291.39

NON-SLR INVESTMENTS

S.No issuer amount Extent of private placement Extent of below investment grade securities already invested Extent of unrated securities already invested extent of unlisted securities
1 PSU 0.00 0.00 0.00 0.00 0.00
2 FI(shares) 2820.69 0.00 0.00 0.00 0.00
3 flexi dep. with APCOB 6.97 0.00 0.00 0.00 0.00
4 other dep. with APCOB 812.47 0.00 0.00 0.00 0.00
5 ACSF with APCOB 38.51 0.00 0.00 0.00 0.00
6 BN bonds with NABARD 99.75 0.00 0.00 0.00 0.00
7 INVESTMENT IN OTHER BANKS 50.00 0.00 0.00 0.00 0.00
8 other investments 2350.00 0.00 0.00 0.00 0.00
9 total 6178.39 0.00 0.00 0.00 0.00
10 provision held towards deprciation 0.00
11 net 6178.39 0.00 0.00 0.00 0.00

COST OF DEPOSITS

Average costs of deposits for the year of 2016-17 7.65

NON PERFORMING ASSETS(NPAS)

sl.no particulars amount
a Gross NPAs 2,041.57
b Net NPAs 0.00
c % of gross NPAs to total advances 2.29
d % of NET NPAs to net advances 0.00

MOVEMENT OF NPAs

sl.no particulars amount
a Gross NPAs at the begining of the year 1,953.49
b Additions during the year 88.08
c
d Gross NPAs at the end of the year 2,047.57

PROFITABILITY

sl.no particulars 2016-17 2015-16
a INTEREST INCOME as % of average working funds 3.75 5.04
b NON int. income as % of average working funds 3.83 3.28
c operte profit of % of average working funds 0.46 0.47
d Return on Assets(%) 6.80 8.04
e Business per employee(deposites+advances) 658.42 697.28
f profit per employee 2.81 3.07

PROVISIONS

sl.no particulars 2016-17 2015-16
a PROVISION for NPA 1,941.44 1941.44
b 1)provision for overdue interest 2,465.66 3015.66
2)provision for standard Assets 244.00 244.00
2)provision for inter branch reconcilation 0.00 0.00
3)provision for inter bank reconcilation 0.00 0.00
4)provision for gratuity fund 0.00 0.00
c total 4,651.10 5,201.10

MOVEMENT IN PROVISIONS

a.movement in provisions towards NPAs

sl.no particulars 2016-17 2015-16
1 opening balance 1,941.44 1,941.44
2 provision made during the year 0.00 0.00
3 total 1,941.44 1,941.44
4 less: provision write back during the year 0.00 0.00
5 closing balance 1,941.44 1,941.44

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

sl.no particulars 2016-17 2015-16
1 opening balance 751.33 654.71
2 provision made during the year 112.50 96.62
3 total 863.83 751.33
4 less: provision write back during the year 0.00 0.00
5 closing balance 863.83 751.33

c.movement in provisions towards deprication on investments

sl.no particulars 2016-17 2015-16
1 opening balance 0.00 0.00
2 provision made during the year 0.00 0.00
3 total 0.00 0.00
4 less: provision write back during the year 0.00 0.00
5 closing balance 0.00 0.00

d.movement in provisions towards deprication on standard assets

sl.no particulars 2016-17 2015-16
1 opening balance 244.00 244.00
2 provision made during the year 0.00 0.00
3 total 244.00 244.00
4 less: provision write back during the year 0.00 0.00
5 closing balance 244.00 244.00

e.movement in provisions towards deprication on overdue interest

sl.no particulars 2016-17 2015-16
1 opening balance 3,0156.66 30156.66
2 provision made during the year 0.00 0.00
3 total 3,0156.66 30156.66
4 less: provision write back during the year 550.00 0.00
5 closing balance 2465.66 30156.66
sl.no particulars amount available amount required surplus
1 provision for standard assets 244.00 240.11 3.89
2 provision for NPA 1941.44 1,379.33 562.11
3 provision for OD interest 2465.66 1038.64 1,427.02
4
total 4651.10 2658.08 1,993.02