WELCOME FINANCIAL POSITION. FINANCIAL RATIO. FUTURE – PLANNING. FORMATION OF KISAN CLUB. FORMATION OF SHG. FORMATION OF JLG. TO IMPLEMENT OF KCC UPTO THE LIMIT OF RS. 7% TO IMPLEMENT OF SHORT TERM MULTIPURPOSE PRODUCT. TO EDUCATE THE PACS COMMITTEE MEMBER. CUSTOMER MEET/FINANCIAL INCLUSION CAMP DEPOSIT MOBILIZATION WEEK AT PACS LEVEL DURING THE HARVESTING SEASON. RECOVERY BY LEGAL ACTION. FERTILIZER THROUGH IFFCO SCHEME. FINANCIAL LITERACY CENTRE GURPREET KAUR ( CHIEF EXECUTIVE OFFICER )
THE AMBALA CENTRAL CO-OP. BANK LTD; AMBALA CITY. COMPARATIVELY FINANCIAL POSITION. (amount in lacs) PARTICULARS NO. OF BRANCHES.29 NO. OF PACS.45 NO. OF STAFF AT BANK LEVEL NO. OF STAFF AT PACS LEVEL (200 CLERK PEON.) 292 SHARE CAPITAL (OUT OF GOVT. LESS THAN 25% ) RESERVES DEPOSIT DEMAND DEPOSIT TIME DEPOSIT BORROWING LOAN OUT STANDING S.A.O NON.AGRI CASH CREDIT M.T. AGRI NON AGRI. M.T H.B. LOAN INVESTMENT SLR INVEST (FD WITH APEX BANK. ) NON SLR SHARE OF HARCO BANK SHARE OF IFFCO NABARD BOND FD WITH O.B.C FD WITH P.N.B. FD WITH ICICI OTHER TRUSTEE SECURITY.1.05 AGRI CREDIT STABLIZATION FUND INTT. RECOVERABLE N.P.A (3.25%) (3.61%) (3.06%) OVERDUE (35.33%) (28.09%) (21.34%) CRAR8.13%7.66%7.80 PROFIT DURING THE YAER ACCUMULATED LOSSES.0.00 IMBALANCES Audit Rating (No. of soc 2) A (No. of soc 5) A
THE AMBALA CENTRAL CO-OP. BANK LTD; AMBALA CITY. COMPARATIVELY FINANCIAL POSITION. (amount in lacs) PARTICULARS NO. OF BRANCHES.29 NO. OF PACS.45 NO. OF STAFF AT BANK LEVEL NO. OF STAFF AT PACS LEVEL (200 CLERK PEON.) 292 SHARE CAPITAL (OUT OF GOVT. LESS THAN 25% ) RESERVES DEPOSIT DEMAND DEPOSIT TIME DEPOSIT BORROWING LOAN OUT STANDING S.A.O NON.AGRI CASH CREDIT M.T. AGRI NON AGRI. M.T H.B. LOAN INVESTMENT SLR INVEST (FD WITH APEX BANK. ) NON SLR SHARE OF HARCO BANK SHARE OF IFFCO NABARD BOND FD WITH O.B.C FD WITH P.N.B. FD WITH ICICI OTHER TRUSTEE SECURITY.1.05 AGRI CREDIT STABLIZATION FUND INTT. RECOVERABLE N.P.A (3.25%) (3.61%) (3.06%) OVERDUE (35.33%) (28.09%) (21.34%) CRAR8.13%7.66%7.80 PROFIT DURING THE YAER ACCUMULATED LOSSES.0.00 IMBALANCES Audit Rating (No. of soc 2) A (No. of soc 5) A
PARTICULARS.March March March YIELD ON ASSETS.8.09%7.90%7.63% COST OF FUND.5.31%5.66%5.41% COST OF MANAGEMENT. 2.49%2.55%2.07% COST OF MARGIN.0.44%0.08%0.15%
THE AMBALA CENTRAL CO-OPERATIVE BANK LTD; AMBALA CITY. DETERIORATING FACTOR. Sr.Particulars Yield on Assets Intt. Paid on Assets Financial Margin MISC Income Cost of Management Risk Cost Net Margin Sr.Particulars HARCO bank Level5.00 % 2CCB Level5.50 % 3PACS Level 7.00% Year 2012Year 2013Year % 74.58%71.91% Year 2012Year 2013Year %3.25 %3.61 % INTT. RECOVARABLE ( WHICH COULD NOT BE TREATED INCOME DUE TO IRAC NORM ) ( Amt in Lacs.) Year 2012 Year 2013Year Interest Margin Lending Rate. Recovery. N.P.A. CRAR. Year 2012Year 2013Year %8.13 %7.66 % PROFIT DURING THE YEAR Year 2012Year 2013Year
Accumulated Loss up to Lacs Profit Lacs Profit Lacs Accumulated Loss in Lac Loss in Lcs. Total Accumulated Loss upto 31 March, Lacs.. Profit 31 st March lacs. Net Profit lacs. Profit 31 st March Lacs Profit 31 st March, lacs
Formation of Kisan Club : 26 Kisan Club organized in village by the PACS. Monthly Meeting. Soil testing, Animal- Husbandry Doctors. Horticulture Scientist are participating in Kisan Club Meeting. Helpful in provided Credit & Recovery of Loan. A Federation of Kisan Club is to be organized with the assistant by NABARD. Self Help Group : SHG has been organized in the village. Saving habit created. Credit provided to them. Help full in financial Inclusion. Education – Health. Awareness Program are organized in village. Joint Liability Group : JLG are to be organized in Rabi Crop season. KCC : KCC provided to 335 framer up to the % Subvention Scheme Credit - Gap To financing Agri. Implements, ( High cost ) Farm Sector, N.F.F., Cash Credit, One Year for Consumption.