Progress @ a Glance

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		(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%