Profile Progress

7/27/2019 Profile Progress

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2011-2012

E:\Word1309\RKDadhich 2007\profiel -RSCB-2009


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Rajasthan had varying topographic features. The extensive

topography includes rocky terrain, rolling sandy dunes, wetlands,

barren tracks or land filled with thorny scrubs, river-drained plains,

plateaus, ravines and wooded region. The topography of Rajasthan isvaried and characterized by hilly and sandy terrain. The Aravali range

runs from south-west to north-east through the heart of the state. The

region to the West and North West of the Aravali comprises of 12

districts and accounts for 61% of geographical area of the State which

is either desert or semi-desert, known as Great Indian 'Thar Desert'.

The Thar area is characterized by low and erratic rainfall, extreme

temperature, long periods of drought accompanied by high wind

velocity and low relative humidity resulting in arid and semi-arid

conditions. Like its varying topography, Rajasthan has varying climate.

The weather or climate of the Rajasthan can be broadly classified into

four distinct seasons i.e. the pre-monsoon, the monsoon, the post-monsoon and the winter. Recurring drought, uneven and scanty rainfall

conditions have become regular feature of the state economy. The State

has faced 84 droughts in last 100 years. The state in general is

characterized as one of the dry states in the country with wide

temperature variation. State is divided into four agro-climatic zones.

i) Trans Gangetic Plains - 2 districts.

ii) Central Plateau & hills - 21 districts

iii) Western Plateau & hills - 1 district

iv) Western Dry Region - 9 districts



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About 67% of work force is engaged in agriculture and allied

activities. Contribution of Agriculture in Rajasthan State GDP is about

21.57%. In the Rajasthan State 58.03 lakh farmers are operational land

holders. Rajasthan is at first position in terms of average size of landholding. For agri-marketing, 129 mandis and 303 sub-yards, 89

warehouses in 31 district being operated by the Rajasthan State

Warehousing Corporation.

The soil in Rajasthan is mainly sandy but alluvial and red soils

are also found in some parts of the state. The State is also poor in terms

of forest resources. Only 7.73% of total geographical area of the state

is under forest cover.

STATE PROFILE

Largest state in the country with total geographical area of 3.42lakh sq. km.

10% of the geographical area and nearly 5.6% of population ofthe country.

41,353 revenue villages and 39,753 inhabited villages in the33 districts.

12 districts in the Western region (61% of the state area) is desert/ semi-desert, known as The Great Indian Thar desert.

Divided into 4 agro-climate zones by GoI and 10 sub agro-climatic zones by GoR.



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State population (2001 Census) 565 lakhs; Rural : 76% About 67% of the work force is engaged in agriculture and allied

activities.

Contribution of Agriculture in State GDP (2010-11): 21.57% 17.5% of the population below poverty line (BPL). GSDP- 2010-11: Rs. 196045 crores (increase of 9.69% over

previous year)

Per capita income at current prices (2010-11): Rs. 39967/- Total number of operational land holdings: 58.03 lakhs First in the country in terms of average size of land holding

(3.65 ha)

Major crops- Bajra, Wheat, Gram, Rapeseed, Mustard;Other crops- Sugarcane, Cotton, Spices

Main producer of spices and condiments in the country. Largest producer of Rapeseed, Mustard, Cluster bean (guar),

Moth bean, Bajra, Cumin, Coriander, Fenugreek, etc.

Major horticultural crops- Orange, Kinnow, Lime, Aonla,Chillies, Garlic, Coriander, Cumin, Fenugreek, Isabgoal, Mehndi,

etc.

Agriculture is primarily rain fed- only 36.42% of GCA and37.69% of NCA under irrigation.



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SHORT TERM COOPERATIVE CREDIT STRUCTURE

With a view to cater the seasonal financial requirements for

agriculture & other allied activities at state level, The Rajasthan State

Cooperative Bank Ltd.(RSCB) was established & registered under

Rajasthan Cooperative Societies Act on 14th October, 1953. It is an

Apex institution of the District Central Cooperative Banks (DCCBs)

functioning in the state. The governance of village level Primary

Agriculture Cooperative Societies (PACS), District Central

Cooperative Banks & RSCB is ensured by elected board through a

democratic election system under The Rajasthan Cooperative Societies

Act.

NET WORK

In order to achieve the objectives of the Cooperatives, an

extensive net-work is available to cater the needs of rural masses at

their door-step with a three tier short-term cooperative credit delivery

system.

a)At the Apex level, Rajasthan State Cooperative Bank (RSCB) withits 5 Regional and 11 local (Jaipur) Branches in the State.

b)At the District level 29 DCCBs covering 33 Districts of the Statehaving 414 Branches.

c)At the grass-root level 5673 PACS/LAMPS which covers 100% ofthe geographical area of the state.



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PRIMARY AGRI. COOPERATIVE CREDIT SOCIETIES (PACS)

PACS are the backbone of Short-term Cooperative Credit

Structure (STCCS). Out of 5673 PACS/LAMPS in the state, 4259

PACS working as Mini Bank were collecting deposits from their

members. Total deposits of these Mini Banks stood at Rs.990.74 crores

as on 31.3.2012.

THE RAJASTHAN STATE COOPERATIVE BANK

RSCB has successfully completed more than five decades of

services to the state of Rajasthan in general and to the rural andfarming community in particular.

Looking at the area of Rajasthan State, RSCB has converted its

regional offices into regional branches and presently Udaipur and

Jodhpur branches are catering the financial needs of DCCBs situated in



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their area of operation since financial year 2007-08 Kota, Bikaner &

Jaipur Regional Branches are also providing Short-term agricultural

loans to DCCBs situated at head quarter in their respective area of

operation.

S.T.COOPERATIVE STRUCTURE

RBI NABARD

:

RSCB:

DCCB

:

BRANCHES:

OUR MISSION

Our corporate mission is to become a strong and competitive

Cooperative Banking Network which offers innovative financial

products along with varied range of services to serve rural masseswith rejuvenated short-term cooperative credit structure to serve

the people of Rajasthan.

PACS

GSS LAMPS



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PRIORITIES

1. To issue Kisan Credit Card to all eligible farmers.2. To inculcate thrift habits in rural areas by mobilizing ruralsavings through PACS/MINI Banks and branches of DCCBs.

3. To implement Life Insurance/ Personal Accidental Insurance/Crop Insurance Schemes / Group Health Insurance Scheme covering

borrowers & customers of Cooperative Sector.

4. To release farmers from the clutches of money lenders byproviding cheaper and timely institutional credit.

5. To increase investment credit to farmers to create/enhance capitalformation in the state.

6. To support State Government's efforts to implement the revivalpackage for Short-Term Cooperative Credit Structure.

7. To promote Farmers Club & SHGs ensuring credit linkage ofmaximum number of SHGs & special efforts for women SHGs.

8. To bring about technological changes in the Short-TermCooperative Credit Structure.

9. To enhance corporate image of cooperative banking in generaland Apex Bank in particular.

10. To start branches of Mini banks in 3500 Bharat Nirman RajeevGandhi Seva Kendras constructed at Gram Panchayat Level.



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11. To complete the Computerization of PACS under VaidynathanRevival Package by NABARD so that Uniform Common Accounting

System (CAS) and Management Information System (MIS) are

successfully implementation.

RSCB'S ORGANISATIONAL SET-UP

At present Board of Directors is functional in Rajasthan State

Cooperative Bank which has been constituted after due election

process. Chairman presides over board meetings. The Chief Executive

Officer of the bank is designated as Managing Director and is an

officer drawn on deputation from Cooperative Department of State

Govt. There are One General Manager and 6 Dy. General Managers to

assist M.D. in day to day management. The bank has 6 departments at

HO level which are:

Administration & Personnel (A&P)Operation (Opr.)Planning & Development (P&D)Accounts & Finance (A&F)Inspection & Supervision (I&S)Training (T)Banks Regional offices viz; Jaipur, Kota, Udaipur, Jodhpur and

Bikaner are functioning with a view to keep a close watch on Central

Cooperative Banks within their area of operation. Regional Offices



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have also started banking business as full fledged regional branches.

Banks' remaining 11 branches are functioning in the municipal area of

the Jaipur city.

ORGANISATIONAL SET-UP

G E N E R A L B O D Y

:BOARD OF DIRECTORS

: MANAGING DIRECTOR

:

GENERAL MANAGER

:

DY.

GENERAL

MANAGER

(A&P)

DY.

GENERAL

MANAGER

(Opr.)

DY.

GENERAL

MANAGER

(P&D)

DY.

GENERAL

MANAGER

(A&F)

DY.

GENERAL

MANAGER

(I&S)

DY.

GENERAL

MANAGER

(Trg)

5 Regional Branches 11 Branches

LICENCE:-

Banking License granted to State Co-operative Bank and 28

DCCBs by RBI till June, 2012. Hence Rajasthan State Co-operative

Bank is having status of Scheduled and Licensed bank.



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HIGH LIGHTS AND IPSO-FACTO

YEAR 2011-12

RSCB has registered 19.58 Crore net profit.

RSCB registered an annual growth of 2.79 % in own fund as wellas 18.65 % in share capital.

RSCB registered an annual growth of 20.38 % in loanoutstanding.

RSCB registered an annual growth of 30.50 % in averageworking fund.

The level of recovery against demand stood at 96.85 %. Per employee productivity was to the tune of Rs. 24.88 Crores

and per branch business was Rs. 426.07 Crores.

RSCB has established India's first currency chest in thecooperative sector in its Nehru Bazaar Branch, Jaipur. Now it has

been shifted to Tonk Road branch of the Bank.

RSCB has been awarded at national level by NAFSCOB for itsperformance in the year 1994-95, 1996-97, 1997-98, 1998-1999,

2000-2001, 2001-2002 to 2002-2003, 2005-2006, 2006-2007 and

2007-2008.

RSCB is paying dividend regularly to its Shareholders. Lastdividend paid @ 8.00%.



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Total Deposit

(Rs in crore)

Total Loans Outstanding:

(Rs in crore)



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OBJECTIVES

According to the Bye-laws main objectives of RSCB are as under

* To promote the economic interest of the members of the bank inaccordance with cooperative principles;

* To receive money on current/various fixed deposits or otheraccounts and to raise or borrow from time to time such sums of

money as may be required for the purpose of the bank.

*To grant loans to cooperative institutions registered or deemed to beregistered under the Act and other members enrolled as per provisions

of the Bye-laws;

* To lend money or grant overdrafts to, or open cash credit for,depositors and members of the bank's staff on the security of:-

i)

Fixed deposits,

ii) Government securities, andiii) Other securities approved by the Registrar, also grant clean

overdrafts to depositors, who are at least nominal members

according to the rules framed by the Board;

* To serve as a balancing center for all-cooperative banks andsocieties in the state;

*To undertake inland exchange business by collecting or discountingbills of exchange and hundies or to issue demand drafts. The



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discounting of bills shall be for those who are at least nominal

members according to rules framed by the Board;

*To receive for safe custody securities, ornaments and valuables;* To buy and sell for the legitimate investment of surplus funds,securities of the Govt.of India or of the Govt. of Rajasthan or other

securities as specified in clauses (a), (b), (c) and (d) of section 20 of the

Indian Trusts Act, 1882 and to act as agent for cooperative institutions

for the purchase and sale of such securities;

*To open branches where necessary in its area of operation.* As federal organization, it plays leadership role by providingconsultancy, guidance and technical support to its affiliates.

OTHER ACTIVITIES :

1) KISAN CREDIT CARDIn the State of Rajasthan, the crop loans were disbursed in the

cash credit form based on " Sri Ganganagar or Punjab Pattern" even

prior to the introduction of Kisan Credit Card (KCC) Scheme.

However, with the introduction of KCC scheme, loan disbursement

procedure has been renamed accordingly. At present all crop loans are

being disbursed under KCC.

The State Govt. has also taken keen interest to see that more and

more KCC are issued to the eligible farmers of the state. Short term



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cooperative credit structure of the state has issued 36.70 lacs KCC upto

31st

March,2012.

2) DIVERSIFICATION OF LOAN PORT-FOLIOIn last few years concerted efforts have been made to diversify

loan portfolio so as to provide an opportunity to DCCBs to cross

subsidize their losses in traditional crop loan business. Consequent to

above deliberated efforts, DCCBs have been able to develop their

investment portfolio over a period of time.

In this endeavor NABARD has introduced lots of new schemes viz;

water harvesting structure, organic farming, agri-clinic / agri-business

centers, aromatic and medicinal plantation, onion storage structure,

horticulture, self help groups, house building, swarojgar credit card etc.

for which DCCBs can avail refinance from NABARD and can further

diversify their farm and non-farm investment portfolio. Apex Bank on

its part has been pursuing DCCBs to finance for innovative activities,

the sole purpose of which is to diversify the loan portfolio of these

banks and to facilitate economic development through creation of

assets in the rural areas of the state.

3) COMMERCIAL LOAN SCHEMES



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Ever reducing margin on agricultural lending made

diversification need of the time. Consequent to this concept several

loan schemes were launched from time to time keeping in view the

requirement of general public of the state. Most of the schemes havebeen adopted by DCCBs, some of them are as under: -

Personal Loans.Vehicle Loans.Working capital finance to the existing & new industrial units.Cash Credit limits.Krishak Mitra YojanaAawas and Vyavasayik parisar loan Scheme. Swarojgar Credit Card Scheme.Gyan Sagar ( Education) loan scheme.Financing against N.S.Cs & Securities.Avika Sahkari Credit Card Scheme for Sheep rearing.Viswas Yojna for handicapped persons.Loan against property

4) ISO CERTIFICATIONBank has implemented ISO 9001:2008 QMS standards in

its HO & Tonk Road branch. ISO 9001:2008 certification has

been received for the banks HO & Tonk Road branch.



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5) CREATING INNOVATIVE FINANCIAL PRODUCTFOR THE POOREST OF THE POOR (SELF HELPGROUPS):

Under the micro-credit system promoted by Short Term

Cooperative Credit Structure in the State, the DCCBs/PACS have been

playing the role of facilitators to organize Self Help Groups of

specially the women clientele to address their common socio-economic

needs by pooling their resources to make available small interest

bearing loans to their members. This process helps them in inculcating

saving habits and imbibes the essentials of financial intermediation

including prioritization of needs, setting terms & conditions, accounts

keeping & building financial discipline by handling resources of a size

beyond their individual capacities. These groups are graduated to be

linked with DCCBs/PACS. Since beginning of the SHG-Pilot project

65,146 new SHGs have been formed of which 63,201 SHGs were

benefited by providing cumulative credit of Rs 336.48 lacs up to

31.03.2012.

Besides this interest subvention is being provided by the State

Govt. for Women SHGs since July 2010. Under this scheme 50%

interest subvention against the interest rate lavied by bankers is

provided to those credite linked SHGs who repay loan installments in

time, so for (upto 31.12.2011) 7881 SHGs are being benefitted by

providing Rs.1.19 crore interest subvention.



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State govt. is also providing financial assistance to import

vocational training to the credit linked SHGs since 2007-08. So far

22345 women are being benefitted with the cumulative financial

assistance of Rs. 45.00 lacs (upto 2011-12).

6) WEATHER BASED CROP INSURANCE SCHEME:-The Agriculture Deptt. Of GoR issues notifications for

implementation of Crop Insurance Schemes in the State. During Rabi

2011-12, for the first time in the state. Modified National Agriculture

Insurance Scheme (NAIS) was implemented in 3 district viz Tonk,

Jalore & Rajasamand. In remaining 30 districts WBCIS was

implemented by selected Insurance Companies. During Kharif 2012,

Modified NAIS is to be implemented in 4 districts viz. Tonk,

Jhunjhunu, Sikar & Rajasmand. In remaining 29 districts WBCIS will

be implemented.

7) PERSONAL ACCIDENTAL INSURANCE SCHEMEPersonal Accidental Insurance Scheme has been introduced in the

state through M/S United India Insurance company with an objective

to provide financial security to its loanee members, Customers,

Depositors & Staff members at a nominal premium against the

accidental losses. During the period from Sept. 2011 to 15.04.2012

total insured persons were 7, 30,504 and premium amount Rs 65.17

Lacs was paid to insurance company. Total 232 claims were lodged

amounting to Rs 116.20 lacs out of which 129 claims were sanctioned



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amounting to Rs 64.70 lacs. 10 claims were rejected and claims under

consideration are 93 amounting to Rs 46.50 lacs.

8) GROUP LIFE INSURANCELife Insurance coverage is provided to all Loonies on

Compulsory banks. It is optional for depositors & Employees. The

coverage for loanees is up to Loan outstanding at the time of

becoming members of the scheme or Rs. Ten lacs whichever is less.

MOU was signed on 14 March, 2012 with L.I.C, as per approval of

GOR for implementation of the scheme.Under the scheme so far Premium from 14.03.2012 to 15.04.2012

amounting to Rs. 21.92 lacs was forwarded to L.I.C. So far 190

claims amounting to Rs 68.23 lacs are submitted to LIC.

COMPUTERISATION

Status of RSCB and DCCB computerization project

RSCB computerization:-

Core Banking Solution has been implemented in all the sixteenbranches of the RSCB and A&F department of RSCB.

EFT switch has been installed made operational in banks DataCenter. ATMs are operational in two branches of the bank viz.

Lalkothi & Nehru Bazar along with BANCS ATM network

connectivity.

Banks is maintaining its own web server and banks website isdeveloped and hosted at the RSCB Data Center at banks HO.

Bank is maintaining its own e-mail server, installed in the banksData Center and e-mail Facility is available in the HO and

branches of the bank. E-mail is used in daily communications.



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Bank has taken the membership of the CIBIL (constituted in jointefforts of GoI & RBI), to ensure quality of loans. The branches of

the bank are generating the credit reports of the loanees.

Statement by e-mail facility has been started for DCCBs andcustomers of the bank

SMS alerts facility has been startedBank has implemented its own RTGS, NEFT & SFMS and PDO-

NDS services. The process of implementation of money at call is

in progress.

Implementation of Bill payment services is in progress.DCCBs computerization project:-

Three branches of Jodhpur DCCB, Two branches of JaipurDCCB and one Branch each of Kota, Ajmer, Bharatpur, Udaipur,Bhilwara, Bikaner, Jhalawar, Jhunjhunu Pali and Sri Ganganagar

DCCBs have been computerized

Hardware has been supplied and installed in 273 branches of 23DCCBs.

The implementation of the CBS computerization in all branchesof DCCBs in the State of Rajasthan is in progress and shall be

completed by March 2013.

GOALS FOR FUTURE ( 2012-2013)

a) Under Short Term Agriculture loan Rs. 9431.00 crores loandisbursement at grass root level against which 3400.00 crore

reimbursement.

b) Disbursement of Rs. 100.00 crores loan under Investment Credit(Agriculture & Non-Agriculture).

c) Attain the level of Rs. 4000.00 crores in Deposits of the Bank.d) Attain the level of Rs. 4500.00 crores in total loan outstanding of

the bank.



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e) Attain the level of Rs. 8600.00 crores in working capital of thebank.

f) For bank branches/Regional branches construct suitable officeaccommodation after purchasing land/purchase office

accommodation.

g) To promote formation and loan disbursement of Self HelpGroups.

h) To establish ATM in remaining branches of Jaipur on the basis ofrequirement and utility.

i) To get the ISO 9001:2008 certificate for Nehru Bazar branch .j) To start the process of permission for two new computerized

branches from R.B.I. in Jaipur.

k) To provide the facility of Internet banking, Tale banking andmobile banking to all customer of the bank.

l) Complete the CBS Computerization of DCCBs.m) Computerization of 1000 PACS.n) To start the Insurance Business.



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THE RAJASTHAN STATE CO-OPERATIVE BANK LTD; JAIPUR

S.T. (AGRI.) ADVANCEMENT (Rs. in Crore)

0.00

500.00

1,000.00

1,500.00

2,000.00

2,500.00

3,000.00

3,500.00

31.3.2008 31.3.2009 31.3.2010 31.3.2011 31.3.2012

1570.84

1385.87 1386.52

2475.84

3319.02

S.T.Advancement


TOTAL LOANS OUTSTANDING

(Rs in Crore)

0.00

500.00

1,000.00

1,500.00

2,000.00

2,500.00

3,000.00

3,500.00

4,000.00

4,500.00

31.3.2008 31.3.2009 31.3.2010 31.3.2011 31.3.2012

2257.21

1727.531825.64

3352.78

4035.92

TotalLoanOutstanding



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DEPOSITS

(Rs in Crores)


NET PROFIT

(Rs in Crores)



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SHARE CAPITAL, RESERVES & PROVISIONS AND OWN FUNDS

(Rs in Crores)



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31.3.2008 31.3.2009 31.03.2010 31.03.2011 31.03.20121 2 3 4 5 6 7

1 No.ofBranches 13 13 13 13 16

2 No.ofDCCBs/PACS 29/5255 29/5255 29/5259 29/5389 29/5673

3 No.ofMembers 87 87 87 87 40

4 No.ofEmployees 255 235 230 227 274

5 Share

Capital57.24 57.82 58.66 70.97 84.21

6 Reserves 354.56 371.57 377.94 400.73 400.67

7 Deposits 1524.96 1987.25 2576.41 2876.10 3580.01

8 BorrowingsOutstanding 1447.52 1226.87 1677.35 2876.95 3610.59

9 Loans&AdvancesIssued 2107.90 1791.97 1742.20 3412.37 3721.33

10 AdvancesOutstanding 2257.21 1727.53 1825.64 3352.78 4035.92

11 Investments 913.97 1658.95 2643.39 2620.15 3490.59

12 SLR 388.60 477.34 711.13 694.67 818.00

13 NonSLR 525.37 1181.61 1932.26 1925.48 2672.59

14 WorkingCapital 3409.38 3670.67 4727.88 6295.28 7784.07

15 AverageWorkingCapital 3232.75 3276.43 4020.24 5348.23 6979.41

16 TotalIncome 203.96 225.97 280.39 337.48 460.51

17 TotalExpenditure 187.25 209.57 267.22 313.01 440.93

18 NetProfit 16.71 16.40 13.17 24.47 19.58

19 Salary&Allowances 6.88 9.10 9.85 11.95 16.83

20 OtherExpenses 5.70 5.72 5.16 7.25 7.79

21 TotalCOM 12.58 14.82 15.01 19.20 24.62

22 TotalOverdue 57.44 89.82 39.80 23.86 82.90

THE RAJASTHAN STATE COOPERATIVE BANK LTD., JAIPUR

Progress of Apex Bank d uring last 5 years at a glance( Rs. in Crore)

S.No. Items

23 %of RecoverytoDemand 96.12 94.85 97.07 98.44 96.85

24 AverageDeposit 1354.40 1631.30 2266.95 2650.05 3034.94

25 AverageAdvanceO/s 2121.30 1931.23 1748.39 2589.08 3782.13

26 AverageBusiness 3475.70 3562.53 4015.34 5239.13 6817.07

27 PerBranchDeposit 104.18 125.48 174.38 203.85 189.68

28 PerBranchAdvances 163.18 148.56 134.49 199.16 236.38

29 PerBranchBusiness 267.36 274.04 308.87 403.01 426.07

30 PerEmployee

Business 13.63 15.16 17.46 23.08 24.88

31 CostofDeposit(%) 7.55 8.37 8.26 6.91 8.35

32 CostofBorrowings(%) 3.42 3.98 4.30 4.34 4.53

33 YieldonAdvances(%) 5.64 6.34 6.13 5.78 5.61

34 YieldonInvestment(%) 9.47 9.19 8.46 7.47 8.55

35 ReturnonFunds(%) 6.29 6.89 6.96 6.30 6.59

36 CostofFunds(%) 4.70 5.60 6.02 5.22 5.79

37 FinancialMargin(%) 1.59 1.29 0.94 1.08 0.80

38 Misc.Income(%) 0.02 0.01 0.01 0.01 0.01

39 Total 1.60 1.30 0.95 1.09 0.81

40 Salary&Allowances% 0.21 0.28 0.24 0.22 0.25

41 OtherExpenses% 0.18 0.17 0.13 0.14 0.11

42 CostofManagement(%) 0.39 0.45 0.37 0.36 0.36

43 RiskCost 0.34 0.07 0.04 0.06 0.04

44 IncomeTax(%) 0.36 0.26 0.18 0.22 0.13

45 NetMargin(%) 0.52 0.52 0.35 0.46 0.28

46 DividendDeclared(%) 6.07 5.72 4.53 8.00 ND

47 TotalAssets 3409.38 3670.67 4727.88 6309.74 7784.07

48 ImpairedLoanAssets 67.72 32.97 33.24 36.41 33.62

49 ImpairedLoanAssetsas%toTotalAssets 1.99 0.90 0.70 0.58 0.43

50 ImpairedLoanAssetsas%toTotalLoanOutstanding

3.00 1.91 1.82 1.09 0.83

lotus/dadhich/New Folder 10 YEARS / Financial (SHEET-3)


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S. No. Items 31.03.2008 31.03.2009 31-3-2010 31-3-2011 31-3-2012

1 2 3 4 5 6 7

1 No.ofBranches(excludingH.O.) 398 400 407 409 414

2 No.ofPACS 5255 5255 5259 5389 5673

3 No.ofMembers 9867 9549 9755 9698 9774

4 No. of Employees 2420 2339 2287 2227 2401

5 ShareCapital 219.49 225.7 237.86 273.71 314.13

6 TotalReserves

&

Provisions 440.51 492.93 533.68 602.36 670.23

7 Deposits 3610.61 4735.07 5906.14 6394.45 7064.74

8 BorrowingsOutstanding 1997.37 1473.13 1540.7 2958.76 3829.03

9 Loans&AdvancesIssued 4390.73 3477.49 4919.35 6970.85 8680.1

10 TotalLoansOutstanding 4297.2 3959.46 4424.2 5470.81 6210.88

11 Investments 1548.90 2275.10 3049.40 3888.69 4517.66

12 NetWorkingCapital 6533.81 7181.87 8497.66 10522.76 12192.13

13 TotalIncome 433.13 539.07 587.56 732.43 886.62

14 Salar y&Allowances 68.55 81.01 94.47 116.06 133.48

15 %of Salary&AllowancetoAverageWorkingCapital 1.17 1.23 1.24 1.24 1.62

16 OtherExpenses 22.71 24.33 26.45 35.81 41.49

17 %ofOtherExpensestoAverageWorkingCapital 0.39 0.37 0.35 0.38 0.50

18 TotalExpenditure 375.01 463.08 535.48 642.07 785.75

19 NetProfit 14.21 18.58 17.97 23.01 34.75

20 TotalOverdues 1872.39 1538.04 866.69 1386.95 1644.24

21 AverageBorrowings 1852.39 1669.17 1461.52 2095.92 3447.90

22 AverageInvestments 1327.99 1763.11 2486.73 3396.95 3690.60

23 AverageworkingFund 5845.25 6603.63 7645.93 9354.40 10847.30

24 AverageDeposits 3104.72 3972.83 5156.48 6049.08 6410.19

25 AverageAdvances 4059.78 4259.85 4496.01 5262.95 6720.45

26 AverageBusiness 7164.50 8232.68 9652.49 11312.03 13130.65

27 CostofDeposit(%) 6.06 6.55 6.49 6.35 6.78

THE RAJASTHAN STATE CO-OPERATIVE BANK L TD; JAIPUR

PROGRESS OF DCCBS DURING LAST 5 YEARS AT A GLANCE

(Rs.in crores)

28 CostofBorrowings(%) 5.16 5.83 5.46 5.05 5.11

29 YieldonAdvances(%) 7.62 8.58 8.20 9.01 8.35

30 YieldonInvestment(%) 8.26 8.95 8.26 7.10 8.36

31 Retur nonFunds(%) 7.17 7.92 7.51 7.65 7.82

32 CostofFunds(%) 4.85 5.42 5.42 5.24 5.49

33 FinancialMargin(%) 2.32 2.51 2.08 2.41 2.33

34 Misc.Income 14.12 15.74 13.63 17.05 16.98

35 Misc.Incomein% 0.24 0.24 0.18 0.16 0.15

36 Totalof

(s.no.

33+35) 2.56 2.75 2.26 2.57 2.48

37 CostofManagement(%) 1.56 1.60 1.58 1.62 1.57

38 OperativeMargin 0.99 1.15 0.68 0.97 0.91

39 RiskCost 0.55 0.70 0.31 0.52 0.42

40 TaxPayable(in%) 0.20 0.17 0.14 0.20 0.17

41 NetMargin(%) 0.24 0.28 0.24 0.25 0.31

42 PerBranchDeposit 7.80 9.93 12.67 14.79 15.48

43 PerBranchAdvances 10.20 10.65 11.05 12.87 16.23

44 PerBranchBusiness 18.00 20.58 23.72 27.66 31.72

45 PerEmployeeBusiness 2.96 3.52 4.22 5.08 5.47

46 NonearningAssetstoWorkingFunds(%) 8.55 9.61 9.38 8.01 6.99

47 %ageofBorrowingstoAdvances 45.63 39.18 32.51 39.82 51.30

48 CostofManagementtoTotalIncome 21.07 19.54 20.58 20.74 19.09

49 CostofManagementtoTotalExpenses 24.34 22.75 22.58 23.65 26.37

50 PerEmployeeCostofManagement 3.77 4.50 5.29 6.82 7.05

51 %ageNPA(loans)

to

Working

Funds 6.25 7.47 5.39 3.44 7.05

52 CDratio% 130.76 107.22 87.19 87.00 104.84

53 %ofInvestmenttoDeposits 42.77 44.38 48.23 56.16 57.57

ClassificationofLoanAssets 4297.20 3959.46 4424.20 5470.81 6040.18

a)Standard 3888.86 3422.62 3965.81 5097.35 5710.26

b)Substandard 260.98 406.04 316.49 212.48 159.55

c)DoubtfulAssets 128.22 110.03 120.84 140.64 152.01

d)LossAssets 19.14 20.77 21.06 20.34 18.36

e)TotalImpairedAssets 408.34 536.84 458.39 373.46 329.92

f)ImpairedAssetsas%tototalloano/s 9.50 13.56 10.36 6.83 5.31

54

Date post:	02-Apr-2018
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