(Figures in Lakhs) | ||
FINANCIAL PERFORMANCE | 31.03.2023 | 31.03.2022 |
Interest Earned | 10652.46 | 11807.98 |
Other Income | 485.20 | 632.10 |
Non operating Income[Reserve Removed] | 315.13 | 0.00 |
Total Revenue | 11452.79 | 12440.08 |
Interest Expended | 7614.32 | 8182.97 |
Operating Expenses | 1970.66 | 2153.58 |
Provisions and Contingencies | 1232.71 | 1639.49 |
Profit before Tax | 635.10 | 464.04 |
Provision for Income Tax | 360.00 | 280.00 |
Net Profit | 275.10 | 184.04 |
FINANCIAL HIGHLIGHTS | ||
Share Capital | 4075.72 | 4743.84 |
Deposits | 115866.21 | 121675.69 |
Advances | 84224.94 | 86240.89 |
Total Business (Deposits + Advances) | 200091.15 | 207916.58 |
Total Investments | 40449.96 | 42579.69 |
Total Assets | 149228.67 | 152910.79 |
Capital & Reserves | 21040.20 | 20480.49 |
Business (Deposits + Advances) per Employee | 1266.40 | 1291.41 |
Profit per Employee | 1.74 | 1.14 |
Working Fund | 142898.94 | 147968.99 |
Net Worth | 8979.87 | 9375.21 |
FINANCIAL KEY RATIOS | ||
Return on Average Assets | 0.19% | 0.12% |
Net Interest Margin(NIM) | 2.45% | 2.83% |
Cost Revenue Ratio | 55.93% | 50.63% |
Return on Equity | 3.04% | 1.65% |
Operating Cost to Income | 17.69% | 17.31% |
CRAR | 13.08% | 12.58% |
Gross NPA [Amount] | 14077.25 | 15692.86 |
Gross NPA (%) | 16.71% | 18.20% |
Net NPA [Amount] | 4556.44 | 6689.15 |
Net NPA (%) | 6.10% | 8.66% |
CD Ratio | 72.69% | 70.88% |
Provision Coverage Ratio | 67.63% | 57.37% |
Cost of Deposits | 6.55% | 6.65% |
Yield on Loans | 9.00% | 10.14% |
Yield on Investments | 7.62% | 7.21% |