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Balance Sheet & Profit and Loss Accounts
The growth of the Bank and its performance can be analyzed from the figures of the last three financial years ie. 2018 – 19, 2019 – 20 and 2020 – 21.
(Rs. In Lac)
| Sl/No |
Particulars |
2018 – 19 |
2019 – 20 |
2020 – 21 |
| 1 |
Capital |
199.55 |
202.47 |
216.31 |
| 2 |
Reserve & Surplus |
4,224.37 |
5,183.78 |
6,446.56 |
| 3 |
Deposits |
96,577.12 |
124,088.66 |
137,566.71 |
| 4 |
Borrowings |
6,074.19 |
4,709.99 |
4,081.97 |
| 5 |
Other Liabilities |
563.78 |
1,824.19 |
331.63 |
| Total Liabilities |
113,969.81 |
142,407.32 |
158,756.19 |
|
| 1 |
Cash & Bank Balances |
3,641.31 |
6,900.33 |
5,445.5 |
| 2 |
Investments |
48,683.94 |
50,948.94 |
63,689.35 |
| 3 |
Loan & Advances |
56,586.12 |
79,291.84 |
84,547.12 |
| 4 |
Other Assets |
392.60 |
543.37 |
780.73 |
| Total Assets |
113,969.81 |
142,407.32 |
158,756.19 |
| Profit & Loss Account |
| 1 |
Interest & Investment Income |
9,436.10 |
11,460.12 |
12,837.22 |
| 2 |
Other Income |
308.25 |
609.20 |
662.40 |
| 3 |
Total Income |
9,744.35 |
12,069.32 |
13,499.62 |
| 4 |
Interest Expenditure |
4,998.71 |
5,975.55 |
5,931.23 |
| 5 |
Other Expenditure |
3,785.79 |
4,831.44 |
5,536.26 |
| 6 |
Total Expenditure |
8,784.50 |
10,806.99 |
11,467.49 |
| 7 |
Profit / Loss |
959.85 |
1,262.33 |
2,032.13 |
| Other Working Results |
| 1 |
CD Ratio (%) |
58.59% |
63.90% |
61.46% |
| 2 |
Recovery Performance (%) |
80.64% |
94.00% |
194.97% |
| 3 |
Gross NPAs |
4,957.36 |
4,466.55 |
3,702.19 |
| 4 |
Net NPAs |
3,718.80 |
2,859.86 |
1,800.27 |
| 5 |
% of Gross NPAs to Total Advances |
8.76% |
5.63% |
4.38% |
| 6 |
% of Net NPAs to Net Loans |
6.57% |
3.69% |
2.18%x` |
| 7 |
Capital Adequacy Ratio (%) |
12.5% |
14.20% |
16.13% |
| 8 |
Net Worth |
5,546.46 |
6,879.82 |
8,934.27 |
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