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 09	March.10	March.11
1	No of Branch	58	58	61
2	Total Staff	234	229	263
3	District covered	4	4	4
4	Deposit-Amount	466.85	548.52	649.75
5	% Growth	12.85	17.49	18.46
6	Borrowings -Amount	22.66	33.54	40.80
7	Investment-Amount	234.63	293.90	338.63
8	Advances-Amount	258.22	293.62	356.79
9	% Growth	11.20	13.71	21.51
10	Disbursement-Amount	127.68	159.99	190.45
11	% Growth	(-)10.38	25.30	19.04
12	Total Income	45.20	52.39	59.70
13	Total Expenditure	35.41	45.30	54.98
14	Profit (After Tax)	6.04	7.10	4.71
15	Reserves & Surplus	37.35	44.45	49.16
16	Cost of Deposits-%	5.40	5.31	5.03
17	Transaction Cost	2.05	1.93	2.91
18	Cost of Fund-%	4.71	4.65	4.36
19	Return on Advances	10.60	10.12	10.33
20	Return on Investment	8.25	8.92	7.65
21	Return on Fund	8.33	8.46	8.07
22	Financial Margin	3.62	3.81	3.71
23	C.D.Ratio	55.31	53.53	54.91
24	Recovery-% (June)	76.99	80.81
25	Gross NPA-%	4.53	4.43	3.77
26	Net NPA-%	1.44	1.21	0.69
27	Per Branch Business-Amount	12.50	14.52	16.50
28	Per Employee Business-Amt.	3.10	3.68	3.83
29	NO of  SHGs Linked	732	893	937
30	No.of Farmer’s Clubs	162	173	173

• Inclusive of Staff at controlling office.

Our Deposits :

 

 

 

Advance :

 

 

 

Loss-Profit :

 

 

 

Deposit-Advance-Profit :