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Business Profile Viz-a-Viz Target and Achievements as on 31-MAR-2019

(Rs. In Lakhs)
%age
% of
Particulars Q4 Q1 Q2 Q3 Q4 Growth(%) Target of
Total
Achmnt.
2017-2018 2018-2019 2018-2019 2018-2019 2018-2019 YoY QoQ
Deposits 6770.54 6162.31 6219.47 6103.34 7126.40 5.26% 16.76% 100% .
Corporate 0.00 0.00 0.00 0.00 0.00 0.00% 0.00% 0.00% .
Inter-bank 0.00 0.00 0.00 0.00 0.00 0.00% 0.00% 0.00% .
Retail 6770.54 6162.31 6219.47 6103.34 7126.40 5.26% 16.76% 100% .
Demand Deposit 1706.77 1240.28 1351.59 1120.89 1588.78 -6.91% 41.74% 22.29% .
Savings Bank 3093.23 3036.36 3026.51 2972.40 3427.64 10.81% 15.32% 48.1% .
CASA (Total) 4800.00 4276.65 4378.10 4093.30 5016.42 4.51% 22.55% 70.39% .
Term Deposits 1970.54 1885.66 1841.37 2010.05 2109.97 7.08% 4.97% 29.61% .
Term - Banks 0.00 0.00 0.00 0.00 0.00 0.00% 0.00% 0.00% .
Term - Retail 1970.54 1885.66 1841.37 2010.05 2109.97 7.08% 4.97% 100% .
Term - Corporate 0.00 0.00 0.00 0.00 0.00 0.00% 0.00% 0.00% .
No. of Deposit Accounts 29103.00 29249.00 30385.00 30897.00 31725.00 9.01% 2.68% .
Cost of Deposits (%) 3.72 3.87 3.90 3.91 4.05 8.34 3.6 .

(Rs. In Lakhs)
Particulars Q4 Q1 Q2 Q3 Q4 Growth(%) % of Target Achmnt.
2017-2018 2018-2019 2018-2019 2018-2019 2018-2019 YoY QoQ Total % age
2. Advances 5194.24 5633.19 6076.30 6214.38 6333.53 21.93% 1.92% 100% .
Agri & Allied 751.02 673.14 671.25 663.90 809.48 7.78% 21.93% 12.78% .
MSMEs 1788.51 2107.72 2132.75 2095.97 2125.11 18.82% 1.39% 33.55% .
DRI 7.68 7.53 7.79 7.48 7.35 -4.3% -1.74% .12% .
Other Priority Sector 419.10 465.84 650.57 727.80 762.33 81.9% 4.74% 12.04% .
Total Priority Sector 2966.31 3254.23 3462.36 3495.14 3704.27 24.88% 5.98% 58.49% .
Loan & Advances against Deposit 47.08 88.90 93.82 91.65 90.79 92.84% -.94% 1.43% .
Personal Segment 2130.33 2232.14 2472.81 2578.17 2509.78 17.81% -2.65% 39.63% .
Other Non Priority Sector 50.51 57.93 47.30 49.43 28.69 -43.2% -41.96% .45% .
Total Non Priority Sector 2227.93 2378.96 2613.94 2719.24 2629.26 18.01% -3.31% 41.51% .
Out of Total Advances 0.00 0.00 0.00 0.00 0.00 -100% -100% .
Retail 5194.24 5633.19 6076.30 6214.38 6333.53 21.93% 1.92% 100% .
Corporate 0.00 0.00 0.00 0.00 0.00 -100% -100% 0% .
Out of Total Advances 0.00 0.00 0.00 0.00 0.00 -100% -100% .
Accounts in SMA O 387.00 391.00 445.00 348.00 408.00 5.43% 17.24% .
Accounts in SMA 1 242.00 238.00 256.00 268.00 256.00 5.79% -4.48% .
Accounts in SMA 2 384.00 341.00 458.00 441.00 384.00 0% -12.93% .
Yield on Advances(%) 3.30 11.28 6.20 4.20 3.09 -.21 -1.11 .
No. of Adv. Accounts 2844.00 2788.00 2882.00 2917.00 2857.00 .46% -2.06% .

(Rs. In Lakhs)
Non Performing assets Q4 Q1 Q2 Q3 Q4 Growth(%) % of Target Achmnt.
2017-2018 2018-2019 2018-2019 2018-2019 2018-2019 YoY QoQ Total % age
NPAs at the beginning of the Year 24.34 22.92 22.25 20.02 18.05 -25.84% -9.84% .
Fresh Slippages 2.68 0.00 0.00 0.16 0.00 -100% -100% .
Upgradation/ Recovery 4.10 0.67 2.23 2.13 3.17 -22.68% 48.83% .
NPA at the end 22.92 22.25 20.02 18.05 14.88 -35.08% -17.56% .
RLAs 3.24 3.24 3.24 3.24 3.24 0% 0% .
Recovery in RLAs 0.00 0.00 0.00 0.00 0.00 -100% -100% .

Other/Third Party Business of as on 31-MAR-2019

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Other Business (Cum. Position) Q4 Q1 Q2 Q3 Q4 YoY Inc/Dec Target Achmnt.

2017-2018 2018-2019 2018-2019 2018-2019 2018-2019
No. of Cr. Cards issued 14.00 7.00 2.00 11.00 3.00 -78.57% -57.14% . 0.00%
ATM / Dr. Cards issued . . . . . 0.00% % . 0.00%
POS Installations 22.00 34.00 37.00 43.00 43.00 95.45% 26.47% . 0.00%
E Banking Users . . . . . 0.00% % .
No of ATMs Associated 2.00 2.00 2.00 2.00 2.00 0% 0% .

Insurance Business

(Rs.In Lakhs)
Insurance (Pr. Collected) Q3 Q4 QoQ Target Achmnt.
2018-2019 2018-2019
Life . . 0.00% . 0.00%
Non-Life . . 0.00% . 0.00%

Operative Results as on 31-MAR-2019

(Rs. In Lakhs)
Operating Results Q4 FY Q1 Q2 Q3 Q4 FY YoY YoY
2017-2018 2017-2018 2018-2019 2018-2019 2018-2019 2018-2019 2018-2019 Q4 FY
Profit / (Loss) 76.65 219.23 82.13 89.03 89.52 87.37 348.05 15.49% 59.49%
Intt. Earned 154.79 430.87 150.57 172.81 181.19 180.92 685.49 17.64% 59.46%
TP Cr. Received 105.06 327.33 111.94 110.00 109.93 113.25 445.12 8.83% 36.4%
Interest Income (Total) 259.85 758.20 262.51 282.81 291.12 294.17 1130.61 13.64% 49.31%
Non-Interest Income 9.32 23.95 8.78 11.60 12.43 11.84 44.65 42.31% 94.55%
Total Income 269.17 782.15 271.29 294.41 303.55 306.01 1175.26 14.11% 50.45%
Intt. Paid 59.73 192.81 61.71 61.04 62.47 65.15 250.37 10.93% 30.53%
TP Chg. Paid 109.47 305.25 106.30 122.58 128.51 128.58 485.97 18.54% 59.73%
Interest Expense (Total) 169.20 498.06 168.01 183.62 190.98 193.73 736.34 15.18% 48.14%
Operating Expenses 4.02 11.95 3.47 3.66 3.85 5.49 16.47 81.79% 50.41%
Establishment Exp. 19.30 52.91 17.68 18.10 19.20 19.42 74.40 6.12% 43.32%
Total Expenses 192.52 562.92 189.16 205.38 214.03 218.64 827.21 14.16% 47.21%
Net Intt. Income (NII) 90.65 260.14 94.50 99.19 100.14 100.44 394.27 12.04% 52.15%
Total Business 11964.78 11964.78 11795.50 12295.77 12317.72 13459.93 13459.93 12.51% 12.51%

Analytic Ratios

Analytical Ratios (B.S.) Q4 Q1 Q2 Q3 Q4

2017-2018 2018-2019 2018-2019 2018-2019 2018-2019
CASA 70.9% 69.4% 70.39% 67.07% 70.39%
CD Ratio 76.72% 91.41% 97.7% 101.82% 88.87%
GNPA .44% .39% .33% .29% .23%

Analytical Ratios (PL) Q4 FY Q1 Q2 Q3 Q4 FY

2017-2018 2017-2018 2018-2019 2018-2019 2018-2019 2018-2019 2018-2019
Intt. Incm to Total Incm. 96.54% 96.94% 96.76% 96.06% 95.91% 96.13% 96.2%
Non-Intt Incm to Ttl. Incm 3.46% 3.06% 3.24% 3.94% 4.09% 3.87% 3.8%
Intt. Exp. to Total Expense 87.89% 88.48% 88.82% 89.41% 89.23% 88.61% 89.01%
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Analytical Ratios (PL) Q4 FY Q1 Q2 Q3 Q4 FY

2017-2018 2017-2018 2018-2019 2018-2019 2018-2019 2018-2019 2018-2019
HR Cost / Incm Ratio 19.31% 37.25% 17.12% 16.34% 17.06% 17.3% 33.9%
Net Pft to Ttl Business .64% 1.83% .7% .72% .73% .65% 2.59%
Net Intt. Incm Margin (NIIM) 1.75% 1.73% 1.68% 1.63% 1.61% 1.59% 1.63%

Productivity as on 31-MAR-2019

Analytical Ratios (B.S.) Q4 Q1 Q2 Q3 Q4

2017-2018 2018-2019 2018-2019 2018-2019 2018-2019
CASA 70.9% 69.4% 70.39% 67.07% 70.39%
CD Ratio 76.72% 91.41% 97.7% 101.82% 88.87%
GNPA .44% .39% .33% .29% .23%

Analytical Ratios (PL) Q4 FY Q1 Q2 Q3 Q4 FY

2017-2018 2017-2018 2018-2019 2018-2019 2018-2019 2018-2019 2018-2019
Intt. Incm to Total Incm. 96.54% 96.94% 96.76% 96.06% 95.91% 96.13% 96.2%
Non-Intt Incm to Ttl. Incm 3.46% 3.06% 3.24% 3.94% 4.09% 3.87% 3.8%
Intt. Exp. to Total Expense 87.89% 88.48% 88.82% 89.41% 89.23% 88.61% 89.01%
HR Cost / Incm Ratio 19.31% 37.25% 17.12% 16.34% 17.06% 17.3% 33.9%
Net Pft to Ttl Business .64% 1.83% .7% .72% .73% .65% 2.59%
Net Intt. Incm Margin (NIIM) 1.75% 1.73% 1.68% 1.63% 1.61% 1.59% 1.63%