Discloser Of Information

Details of various information as required by RBI Circular No. UBD.CO.BPD ( PCB ) Cir No.52/12.05.001/2013-14 dated 25.03.2014 is as under:

 Sr No. Particulars As on 31.03.2014 As on 31.03.2015 
 1.  Movement of CRAR    
   Tier I Capital  6.40  6.02
   Tier II Capital  5.40  6.02
   Capital to Risk Asset Ratio ( CRAR ) Total  11.80  12.04
 2.  Investment    
   Book Value of Investment  1798.93  1797.38
   Face Value of Investment  1800.00  1800.00
   Market Value of Investment  1602.07  1732.11
 3.  Advances against Real Estate, Construction business  687.93  779.76
 4.  Advances against ,Housing  350.01  385.54
 5.  Advances against Shares & Debentures  0.00  0.00
 6.  Advances to Directors ,their relatives ,companies / firms in which they are interested    
   Fund – Based ( against FDRs )  0.00  2.20
   Non  Fund – Based     ( Guarantees, L/C etc. )  0.00  0.00
 7.  Cost of Deposit : Average cost of deposits  6.14 %  6.17 %
 8.  Movement in NPAs    
   Gross NPAs  129.63  134.74
   Gross NPAs to Gross Advances  %  3.52 %  3.02 %
   Net NPAs  1.67  -1.22
   Net NPAs to Net Advances   %   0 %  0 %
 9.  Profitability    
   Interest Income as a percentage of working funds  7.79 %  8.54 %
   Non Interest Income as percentage of working funds  0.27 %  0.24 %
   Operating Profit as a percentage of working funds  -0.22 %  0.32 %
   Return on Assets  9.34 %  10.39 %
   Business ( Deposit + Advances ) per employee  202.47  268.58
   Profit per employee  -0.38  0.66
 10.  Provision made towards  199.96  207.96
 11.  Movement in Provision    
   NPAs  127.96  135.96
   Investment  57.00  57.00
   Standard Assets  15.00  15.00
 12.  Payment of DICGC Insurance Premium  8.02  8.36
 13.  Penalty imposed by RBI  1.00  0.00
 14.  Fixed Assets – Valuation / Revaluation    
   Revaluation  Reserve  ( After 2.5% Depreciation )  327.49  598.02
 15.  DEAF A/c Amount transfer to DEAF during 2014-2015  0.00  59.43