Financial Information

Financial growth


The business fundamentals of the bank are very strong. This can be seen from our growth charts as well as our growing customer base. The Banks Capital Reserve Adequacy Ratio (CRAR) stood at 17.50%, Gross NPAs are 3.52%, and Net NPAs are 1.93% at the end of last financial year (31 March 2019). The Deposits of the banks crossed over Rs. 3110.13 Crores and Loans & Advances about Rs. 2139.39 Crores by 31 March 2019. The business turnover is about Rs. 5249.52 crores.

Financial Indicators


Financial Indicators ( Rs in lakhs)
S.NO Items 31/03/2016 31/03/2017
1 Deposits 225608.17 253156.01
2 Loans 147198.61 173722.21
3 Share Capital 14338.92 17339.04
4 Reserves and surplus 8075.55 9427.77
5 Net Worth 19302.71 23459.21
6 Investments 91647.66 94167.33
7 Profit 2932.85 3128.26
8 Working Capital 254675.60 287514.98
9 Net Npa Percentage 1.39% 1.89%
10 Net Npas (Over Dues) 2045.81 3255.75
11 CRAR 15.21% 14.78%
12 No.of Branches 38 45
13 No.of Extention Counters NIL NIL
14 No.of Employees 361 393
15 No.of. Members 60177 68783
16 Permissible Credit Exposure Limit - -
17 Single borrower credit exposure limit 3032.52 3656.00
18 Group borrower credit exposure limit 8086.73 9749.34

Growth Table: The growth of the bank for the last 10 years


Rs. In Lakhs
Year “A” Class members Share Amount Deposits Growth % Loans Growth % Reserves Profit Div/ Int on SCA
2009-10 30512 2737 67762 41.15 49451 42.81 5390 395.41 10% / 10%
2010-11 36331 3798 97269 43.54 72375 46.35 5702 484.98 10% / 10%
2011-12 41327 4951.13 121628 25.04 87406 20.77 7381 680.04 10% / 10%
2012-13 42040 6718.81 153990 26.61 110358 26.26 7964.55 1020.05 12% / 8%
2013-14 47790 9222.89 190585 23.76 126413 14.55 8895.13 1463.77 12% / 8%
2014-15 53733 11647.38 210835 10.63 143312 13.37 9132.64 2396.58 15%
2015-16 60177 14338.62 225608 7.00 147199 2.71 10053.41 2932.85 15%
2016-17 68783 17338.32 253156 12.21 173722 18.02 11795.77 3128.86 12%
2017-18 75298 19348.40 273056 7.86 197065 13.44 14588.45 3370.51 12%
2018-19 82229 21556.27 311013 13.90 213939 8.56 17298.15 3723.50 12%
Growth Chart (Deposits) :

The growth of deposits for the last 10 years

Growth Chart (Loans) :

The growth of Loans for the last 10 years.

Growth Chart (Loans & Deposits) :

The growth of Loans & Deposits for the last 10 years.

Growth Chart (Profits) :

Profit for Last 10 Years