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PERFORMANCE HIGHLIGHTS FOR THE YEAR ENDED MARCH 2008

AUDITED

   

( Rs. in Crores )
Sr. No   March 2008 March 2007
1 Paid-Up Capital 100.00 100.00
2 Reserves 14.53 1.68
3 Networth 114.53 101.68
4 Operating Profit(After deducting provisions for staff related items i.e. Bonus, Pension & Gratuity). 12.37 5.70
5 Net Profit / (Loss) 12.85 7.55
6 Total Deposits 522.01 487.86
7 Aggregate Deposits (excl. inter-bank deposits). 446.06 446.86
8 Total Advances 363.75 339.19
9 Net Advances 358.48 328.63
10 Investments - Net Book Value 143.59 125.68
11 Investments - Market Value 147.81 127.49
12 Average Total Assets 643.31 532.66
13 % of Priority Sector Advances to Net Bank Credit 43.06 43.28
14 No. of Branches (including service branches) 2 2
15 No. of Loss making Branches 0 0
16 No. of Fully Computerised Branches 2 2
17 No. of Employees 93 97
  - Officers
- Clerical
- Sub-Ordinate 		50
24
19		 53
25
19

RATIOS

   

( Ratios in % )
Sr. No   March 2008 March 2007
1 Credit Deposit Ratio (%) 81.55 76.10
2 Credit + Investment / Aggregate Deposits 113.74 104.23
3 Average Cost of Deposits  6.93 5.33
4 Average Yield on Advances (including NPAs) 9.60 7.61
5 Yield on Investments (%)(excluding the profit/loss on sale of Investment) 7.71 7.37
6 Net Interest Income / Average Total Assets * 1.21 2.11
7 Non-Interest Income / Average Total Assets 2.14 0.73
8 Non-Interest Income / Total Income 24.01 10.11
9 Increase in Non-Interest Income (%) 256.33 -62.93
10 Growth in Overheads -1.92 22.58
11 Expense Ratio 42.68 60.31
12 Per Employee Cost [Rs. in lacs] 4.23 4.76
13 Net Profit Per Employee [Rs. in lacs] 13.82 7.79
14 Average Business per Employee [Rs. in Crores] 7.55 6.48
15 Operating Profit / Average Total Assets 1.92 1.16
16 Return on Assets [ROA] 1.93 1.13
17 Gross NPAs to Net Advances (%) 1.45 3.29
18 Net NPAs to Net Advances (%) 0.00 0.00
19 Capital Adequacy    
  - Tier I Capital
- Tier II Capital
- Total Capital Funds
- Risk Weighted Assets
- Capital Adequacy Ratio (%)		 114.53
3.71
118.24
471.87
25.06		 101.68
3.07
104.75
500.38
20.93
 

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