OUR VISION:

 

The key initiatives need to be taken to achieve the objective of maximizing growth and profitability would be as under:-

 

• 1)- Introspect ourselves and position our style of working for customer’s convenience to enhance customer’s satisfaction.
• 2)- To set high standards of ethical values, transparency and disciplined approach to achieve excellence.
• 3)- To enlarge customers base by consistent growth, resource mobilization and cross selling of bank products.
• 4)- To initiate steps to increase non-interest income.
• 5)- To enhance image of the bank as customer friendly organization.

 

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OUR PATH :

 

• 1)- In order to build upon our strength, it is necessary to first know our strengths. And our strength lies in our customers, our products, our processes and our people. We have to delve deeper into the task of knowing our Bank, our markets and environment.
•  
• 2)- Greater awareness about what we do, why we do it and
• 3)- How efficiently we do it, will yield better results.
• 4)- Apart from mobilizing Deposit especially that of CASA deposit ,our main emphasis will be on:

1. Credit growth
2. NPA Management
3. Non-Interest Income
4. House keeping
5. Customer Service/Orientation
6. Technological up-gradation
7. Staff development etc.

 

 

OUR MOTTO

 

 

 

BANK  AT  A  GLANCE :


                                                                                         (Amount in Crore)

S.N.	Parameter	March 04	March 05	March 06	March 07	March 08	March 09
1	No of Branch	59	59	58	58	58	58
2	Total Staff	220	218	216	212	240	234
3	District covered	4	4	4	4	4	4
4	Deposit-Amount	206.81	239.03	290.29	354.73	413.70	466.85
5	% Growth	11.96	15.58	21.44	22.20	16.62	12.85
6	Borrowings -Amount	3.57	8.15	3.04	27.97	25.80	22.66
7	Investment-Amount	131.47	148.28	173.04	197.83	199.80	234.63
8	Advances-Amount	82.80	100.85	143.45	182.90	232.21	258.22
9	% Growth	(-)6.18	21.80	42.24	27.50	26.96	11.20
10	Disbursement-Amount	41.84	68.54	96.98	114.11	142.47	127.68
11	% Growth	(-)16.80	63.81	41.48	17.67	24.85	(-)10.38
12	Total Income	21.83	20.99	25.74	31.04	39.95	45.20
13	Total Expenditure	17.68	16.81	20.74	25.07	28.41	35.41
14	Profit (After Tax)	4.16	4.18	5.00	4.15	5.89	6.04
15	Reserves & Surplus	23.10	16.26	21.26	25.41	31.30	37.35
16	Cost of Deposits-%	5.54	4.58	4.14	4.06	4.77	5.40
17	Transaction Cost	2.68	2.63	2.58	2.74	2.05	2.05
18	Cost of Fund-%	4.83	3.94	3.70	3.67	3.81	4.71
19	Return on Advances	11.81	10.44	9.00	9.73	9.97	10.60
20	Return on Investment	9.40	7.91	8.24	7.55	9.16	8.25
21	Return on Fund	9.40	7.95	7.87	7.52	8.41	8.33
22	Financial Margin	4.57	4.00	4.16	4.51	4.60	3.62
23	C.D.Ratio	40.04	42.16	49.42	51.56	56.12	55.31
24	Recovery-% (June)	78.83	82.61	80.19	82.45	70.36	76.99
25	Gross NPA-%	15.35	7.22	7.74	3.14	4.97	4.53
26	Net NPA-%	10.78	3.69	1.78	0.89	1.93	1.44
27	Per Branch Business-Amount	4.91	5.86	7.48	9.27	11.15	12.50
28	Per Employee Business-Amt.	1.32	1.56	2.01	2.54	2.72	3.10
29	NO of  SHGs Linked	182	340	409	463	678	732
30	No.of Farmer’s Clubs	07	24	31	64	133	162

 

Our Deposits :

 

 

 

Advance :

 

 

 

Loss-Profit :

 

 

 

Deposit-Advance-Profit :