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2010

Current liabilities
Saving Bank ac (24:76)
current ac
Bill for collection
Branch Adjustment
overdue int reserve
int payable
other liabilities
Total

385105324.29
472914876.50
6592255.64
8688069.63
2458297.00
35226403.71
1229886799.76
2140872026.53

Current Assets
Cash in hand
Balance with other banks
Investment (short term)
st advances
int recievables:
on investment
on lons adv
Bills receivable
other assets:
income tax refund
fbt refund
clearing adjustment
sundr debt
doon vally UC bank
Total

99557032.21
312056941.21
1113371461.03
2556998328.40
93009863.60
1662449.63
6592255.64
27943780.00
7956.00
2634460.49
86147.14
9157.00
4213929832.35

current ratio=

current assets/ current liabilities


2010
2011

1.97
2.14

2010
2011

411613973.42
0.192264633
0.195690689

Absolute liquid ratio

External Equity:
Deposits
Bills for Collection
Branch Adjustment
Overdue Interest reserve
Int Payable
Other Liabilities
Total

6494662360.76
6592255.64
8688069.63
2458297.00
35226403.71
1229886799.76
7777514186.50

Internal Equity
Subscribed Capital
Reserve and surplus
P/L ac
Total

85887760.00
535669945.92
621557705.92

Debt Equit Ratio

external/internal
2010
2011

2073057806
3531182310

12.51
12.22

2011
474513905.17
653388510.29
6319814.75
2579686.00
46297860.00
1926496468.95
3109596245.16

Current Ratio
2.20
2.10
2.00
1.90
1.80

Current Ratio
2010

116520712.60
491998318.40
2139503961.03
3753215261.59

2011

3500000000.00

81426088.96
2452824.08
6319814.75
48825630.98
7956.00
496829.49
11000.00
157.00
6640778554.88

3000000000.00
2500000000.00
2000000000.00
1500000000.00
1000000000.00
500000000.00
0.00
2010

608519031.00

8227132181.07
6319814.75
2579686.00
46297860.00
1926496468.95
10208826010.77
12000000000.00

2011

12000000000.00
10000000000.00
8000000000.00
151662840.00
683428064.24
6000000000.00

835090904.24
4000000000.00
2000000000.00
0.00
2010

2011

Debt Equity Ratio

12.55
12.50
12.45
12.40
12.35
12.30
12.25
12.20
12.15
12.10
12.05
2010
2011

nt Ratio
7000000000.00
6000000000.00
5000000000.00
Current Ratio
4000000000.00

Current Ratio

Current Labilities
Current Assets

3000000000.00
2000000000.00
1000000000.00

Absolute Liquid ratio

0.00
2010

2011

0.196
Liquid Liabilities
Absolute Liquid Assets
0.195

0.194

2011

0.193
Absolute Liquid ratio
0.192
0.191
0.19
2010
2011

External Equities
Internal Equities

Ratio

Debt Equity Ratio

Absolute Liquid ratio

2010
Fixed Assets:
Premises

4,293,584.33
36,466,229.74

Furniture and Fixture

40,759,814.07
Current Assets
Cash in hand
Balance with other banks
Investment (short term)
st advances
int recievables:
on investment
on lons adv
Bills receivable
other assets:
income tax refund
fbt refund
clearing adjustment
sundr debt
doon vally UC bank
Total

99557032.21
312056941.21
1113371461.03
2556998328.40
93009863.60
1662449.63
6592255.64
27943780.00
7956.00
2634460.49
86147.14
9157.00
4213929832.35

Current Assets to fixed Assets ratio

current assets/fixed assets


2010
2011

103.38
163.47

2011
4,365,171.71
36,257,430.15

40,622,601.86

116520712.60
491998318.40
2139503961.03
3753215261.59
81426088.96
2452824.08
6319814.75
48825630.98
7956.00
496829.49
11000.00
157.00
6640778554.88

Current Assets to fixed Assets ratio


200.00
150.00
100.00
50.00
2010
2011

7,000,000,000.00
6,000,000,000.00
5,000,000,000.00
4,000,000,000.00
3,000,000,000.00
2,000,000,000.00
1,000,000,000.00
2010

2011

ixed Assets ratio

Current Assets to fixed


Assets ratio

Fixed Assets
Current Assets

2011

Outside Liability

2010

DEPOSITS AND OTHER ACCOUNTS

Term Deposits
Fixed Deposit
Mini Deposit
Recurring Deposit
Security MD Agents
Savings Bank Deposits
Current Deposits

4,004,631,628.52
357,953,806.15
53,622,588.00
933,943.70
1,604,605,517.89
472,914,876.50

BILLS FOR COLLECTION


BRANCH ADJUSTMENTS
OVERDUE INTEREST RESERVE
INTEREST PAYABLE
OTHER LIABILITIES

Bills and Draft Payable


Dividend Payable
Sundry Creditors
Provision for Bonus/Closing/Exgratia
Service Charges
Other Branch Clearing
Provision for Gratuity
Provision for DICGC
Deffered Tax Liability
Provision for Income Tax
Share Capital (Doon Valley UC Bank)
Staff Security (Doon Valley UC Bank)
Term Deposit Adjustment
Provision for CA Fees
Provision for Donation
Provision for Electricity Bill
Other Liabilities (Doon Valley UC Bank)
Bills Payable (Doon Valley UC Bank)
Staff Provision
Provision for Cooperative Education Fund
Total

6,592,255.64
8,688,069.63
2,458,297.00
35,226,403.71

12,000,000,000.00
10,000,000,000.00
8,000,000,000.00
6,000,000,000.00
4,000,000,000.00
2,000,000,000.00
-

Total Assets

1,153,698,048.16
3,473,880.00
2,985,310.30
4,673,401.00
94,155.00
5,250,286.00
3,859,110.00
1,491,293.28
38,763,563.82
961,700.00
4,250.00
3,568.00
243,780.20
225,000.00
500.00 2011
2010
6,457.00
500.00
406,267.00
7,763,768,456.50
8,526,217,188.42

Solvency ratio

outside liability/total assets


2010
2011

0.910575966
0.916879289

2011

5,058,771,642.38
478,966,360.15
58,260,935.00
603,461.70
1,977,141,271.55
653,388,510.29
6,319,814.75
2,579,686.00
46,297,860.00

1,824,752,135.05
5,189,050.00
4,129,018.20
11,500,000.00
827.00
1,083,724.98
4,136,715.00
1,491,423.66
Total Outside Liability
53,623,173.06
Total Assets
950,600.00
4,250.00
12,488.00
393,155.00
2011

352,111.00
15,000.00

10,189,963,212.77
11,113,745,650.01

Solvency Ratio
0.918
0.916
0.914
0.912
0.91
0.908
0.906
2010
2011

lvency Ratio

Solvency Ratio

2011

2010
SHAREHOLDERS FUND
Subscribed Capital
Reserve and surplus
P/L ac
Total
Total Assets

85887760.00
535669945.92
621557705.92
8,526,217,188.42

NPAIT
SHAREHOLDERS FUND
Return on Shareholder Equity

78,144,260.62
621557705.92
12.57

RESERVE & SURPLUS


CAPITAL

535669945.92
85,887,760.00

RESERVE & SURPLUS TO CAPITAL RATIO

res &surplus/cap
6.24

2011

12000000000.00

151662840.00
683428064.24

10000000000.00

835090904.24
11,113,745,650.01

Return on

8000000000.00
6000000000.00
4000000000.00
2000000000.00

Shareholders fund
13.60

Total Assets

13.40
13.20
13.00
12.80

0.00

12.60
12.40
12.20

111,952,521.55

835090904.24
13.41

900,000,000.00

12.00

800,000,000.00
700,000,000.00

683428064.24
151,662,840.00

600,000,000.00
500,000,000.00

Net Profit After interest and


tax

400,000,000.00

Shareholders Equity

300,000,000.00

4.51

200,000,000.00
100,000,000.00

800000000.00
700000000.00

600000000.00
500000000.00
400000000.00
1.2
1
0.8
0.6
0.4
0.2
0

300000000.00
200000000.00
100000000.00

Return on Shareholder Equity


Shareholders fund
Total Assets

Return on Shareholder
Equity

1.200
RESERVE & SURPLUS TO CAPITAL RATIO
1.000

Profit After interest and

eholders Equity

0.800

7.00

0.600

6.00

0.400
RESERVE & SURPLUS TO
0.200
CAPITAL RATIO
-

5.00
800000000.004.00
700000000.003.00
2.00
600000000.00
1.00
500000000.00
-

RESERVE & SURPLUS

400000000.00

CAPITAL

300000000.00
200000000.00

1.20

100000000.00
0.00

1.00

0.80

0.60

0.40

0.20

Net Profit After Interest & Tax

Composition of deposits
Saving A/c
Current A/c
Mini Deposit A/c
FDRs

24
8
6
62

Non Performin Assets (NPAs)


2008-09
2009-10
2010-11

165.67
189.49
158.34
120000
100000

Rupees in Laks

Current Accounts
Saving Bank Accounts
Mini Deposit Accounts
Fixed deposits Accounts

2010-11 2009-10 2008-09


6533.89 4729.15 2671.29
19771.41 16046.06 12856.34
4789.66 3579.54 2833.42
51176.36 40591.87 30302.85

80000
60000
40000
20000

Rupee in Lcs

Working Capital
2008-09
2009-10
2010-11

60000
0

60416.38
83900.28
110350.3

Non Performin Assets (NPAs)


190
185
180
175
170
165
160
155
150
145
140

Non Performin Assets (NPAs)

50000
2008-09
40000

2009-10

30000
20000
10000
0
Current
Accounts

2008-09
165.67

2009-10
189.49

2010-11
158.34

Composition of deposits
(2010-11)

Saving A/c
24%

Current A/c
8%

FDRs
62%

Mini Deposit A/c


6%

Working Capital

2009-10

2010-11
2010-11
2008-09
2009-10

Current
Accounts

Saving
Bank
Accounts

2010-11
Mini
Deposit
Accounts

Fixed
deposits
Accounts

2009-10
2008-09

Interest and Discount


Loans And Advances
Interest Rate on Loans
Interest on Deposits,Borrowings etc.
Deposits
Interest Rate on Deposits
Net Interest Margin

2010

2011

12.00

566,554,707.73
4989250995.53
11.36

690,145,485.50
6795838900.57
10.16

10.00

368,538,493.36
6,494,662,360.76
5.67

419,399,191.37
8,227,132,181.07
5.10

6.00

Int on Loan-Int on Deposits


2010
5.68
2011
5.06

8.00

4.00
2.00
-

9000000000.00
8000000000.00
7000000000.00
6000000000.00

CD Ratio

Credit/Deposit

No . Of Employee
Per Employee Business

76.82
82.60
193
189
deposits + Advances / No of employee
59,502,141.74
79,486,619.48

5000000000.00
4000000000.00
3000000000.00
2000000000.00
1000000000.00

11,483,913,356.29

15,022,971,081.64

80,000,000.00
70,000,000.00
60,000,000.00
50,000,000.00
40,000,000.00
30,000,000.00
20,000,000.00
10,000,000.00

Net Interest Margin


5.80
Interest Rate
5.60on Loans
Interest Rate
5.40on Deposits
5.20
5.00
4.80

9000000000.00
8000000000.00
2010

4.60

2011

2010

7000000000.00

2011
CD Ratio

6000000000.00
5000000000.00
4000000000.00

84.00

Loans And Advances

82.00

Deposits

3000000000.00

80.00

2000000000.00

78.00

1000000000.00

76.00

0.00

74.00
2010

2011

72.00
2010

Per Employee Business


80,000,000.00
70,000,000.00
60,000,000.00
50,000,000.00
40,000,000.00
30,000,000.00
20,000,000.00
10,000,000.00
-

Per Employee Business

2010

2011

2011

nterest Margin

Net Interest Margin

Ratio

CD Ratio

CAPITAL AND LIABILITIES

2010

ASSETS AND PR

2011

CAPITAL

i
ii

1 CASH IN HAND

Authorised Capital
Subscribed Capital

100,000,000.00
85,887,760.00

TOTAL
RESERVE FUND AND OTHER RESERVES

i
ii
iii
iv
v
vi
vii
viii
ix
x

Statutory Reserve Fund


Building Fund
Dividend Equalisation Fund
Investment Fluctuation Reserve
Bad and Doubtful Debt Reserve
Staff Welfare Fund
Cultural and Youth Welfare Fund
Investment Depreciation Reserve
Provision for Standard Assets
General Provisions
TOTAL

85,887,760.00

370,447,042.85
14,000,000.00
3,300,000.00
10,000,000.00
18,923,273.84
140,000.00
50,000.00
1,300,000.00
19,939,530.38
33,172,568.23
471,272,415.30

200,000,000.00
151,662,840.00
151,662,840.00

424,976,723.47
14,000,000.00
3,300,000.00
40,000,000.00
45,425,664.41
140,000.00
50,000.00
1,300,000.00
27,978,384.58

2 BALANCES WITH O

i
ii

3 INVESTMENTS

i
ii
iii

iv
v

33,172,568.23
590,343,340.69
4 ADVANCES

DEPOSITS AND OTHER ACCOUNTS

Term Deposits

Fixed Deposit
Mini Deposit
Recurring Deposit
Security MD Agents
ii Savings Bank Deposits
iii Current Deposits
TOTAL

4,004,631,628.52
357,953,806.15
53,622,588.00
933,943.70
1,604,605,517.89
472,914,876.50
6,494,662,360.76

5,058,771,642.38
478,966,360.15
58,260,935.00
603,461.70
1,977,141,271.55
653,388,510.29
8,227,132,181.07

i
ii
iii

5 INTEREST RECEIVA

i
ii

6 BILLS RECEIVABLE

7 PREMISES LESS DE
BILLS FOR COLLECTION

6,592,255.64

6,319,814.75

8 FURNITURE AND FI
BRANCH ADJUSTMENTS

8,688,069.63

9 OTHER ASSETS

OVERDUE INTEREST RESERVE


INTEREST PAYABLE

2,458,297.00

2,579,686.00

35,226,403.71

46,297,860.00

OTHER LIABILITIES

Bills and Draft Payable


ii Dividend Payable
iii Sundry Creditors
iv Provision for Bonus/Closing/Exgratia
v Service Charges
vi Other Branch Clearing

1,153,698,048.16
3,473,880.00
2,985,310.30
4,673,401.00
94,155.00
-

1,824,752,135.05
5,189,050.00
4,129,018.20
11,500,000.00
827.00
1,083,724.98

ii
iii
iv
v
vi
vii
viii

vii Provision for Gratuity


5,250,286.00
viii Provision for DICGC
3,859,110.00
ix Deffered Tax Liability
1,491,293.28
x Provision for Income Tax
38,763,563.82
xi Share Capital (Doon Valley UC Bank)
961,700.00
xii Staff Security (Doon Valley UC Bank)
4,250.00
xiii Term Deposit Adjustment
3,568.00
xiv Provision for CA Fees
243,780.20
xv Provision for Donation
225,000.00
xvi Provision for Electricity Bill
500.00
xvii Other Liabilities (Doon Valley UC Bank)
6,457.00
xviii Bills Payable (Doon Valley UC Bank)
500.00
xix Staff Provision
406,267.00
xx Provision for Cooperative Education Fund
TOTAL
1,216,141,069.76
PROFIT AND LOSS

i
ii

Profit as per last Balance Sheet


Profit for the year

TOTAL
CONTINGENT LIABILITIES

Guarantee Issued

TOTAL

5,000.00
78,144,260.62

4,136,715.00
1,491,423.66
53,623,173.06
950,600.00
4,250.00
12,488.00
393,155.00
352,111.00
15,000.00
1,907,633,670.95

6,000.00

78,149,260.62

111,952,521.55
111,958,521.55

127,139,296.00

69,817,735.00

8,526,217,188.42

11,113,745,650.01

10 CONTINGENT ASSE

12,000,000,000.00
10,000,000,000.00
8,000,000,000.00
6,000,000,000.00
4,000,000,000.00
2,000,000,000.00

Working Capital
Net Assets
Working Capital Ratio
ROA

8,390,027,339.78
8,390,027,339.78
1
2010
2011

Net worth
Total Funds
Proprietory Ratio

11,035,028,414.26
11,035,028,414.26
1

0.931394589
1.014519559
621,557,705.92
6,354,801,858.88
9.780914019

835,090,904.24
9,750,374,800.04
8.564705679

ASSETS AND PROPERTY

2010

CASH IN HAND

2011

99,557,032.21

116,520,712.60

312,056,941.21
1,708,715,679.00

491,998,318.40

BALANCES WITH OTHER BANKS

Current Deposits
Fixed Deposits
TOTAL

2,020,772,620.21

1,316,087,134.75
1,808,085,453.15

INVESTMENTS

Central and State Govt. Securities


991,839,461.03
Public Sector Unit Bonds
79,000,000.00
Shares in Central Coop Bank of the dist concerned
5,000.00
Shares of UP Urban Coop Bank (proposed)
1,527,000.00
Mutual Fund
41,000,000.00
TOTAL

1,113,371,461.03

2,057,971,961.03
79,000,000.00
5,000.00
1,527,000.00
1,000,000.00
2,139,503,961.03

ADVANCES

Short Term Loan


Medium Term Loan
Long Term Loan

2,556,998,328.40
555,090,028.94
1,877,162,638.19
TOTAL

4,989,250,995.53

3,753,215,261.59
533,014,138.32
2,509,609,500.66
6,795,838,900.57

INTEREST RECEIVABLE

In Investment
In Loans and Advances

93,009,863.60
3,245,735.00
TOTAL

BILLS RECEIVABLE
PREMISES LESS DEPRECIATION
FURNITURE AND FIXTURES LESS DEPRECIATION

96,255,598.60
6,592,255.64

81,426,088.96
4,446,990.00
85,873,078.96
6,319,814.75

4,293,584.33

4,365,171.71

36,466,229.74

36,257,430.15

1,488,185.22

1,471,370.34

27,943,780.00
7,956.00
2,634,460.49
86,147.14
339,926.00
8,503.28
9,157.00

48,825,630.98
7,956.00
496,829.49
11,000.00
344,426.00
6,022.28

OTHER ASSETS

Stationery in Stock

Income Tax Refund


FBT Refund
Clearing Adjustment
Sundry Debtors
Security Deposit
Library
Other Assets (Doon Valley UC Bank)
TOTAL

157.00
32,518,115.13
51,163,392.09
12,000,000,000.00

12,000,000,000.00

10,000,000,000.00
CONTINGENT ASSETS

Guarantee Issued

127,139,296.00
69,817,735.00
8,000,000,000.00

6,000,000,000.00

4,000,000,000.00
12,000,000,000.00
10,000,000,000.00

2,000,000,000.00

8,000,000,000.00
Net worth

6,000,000,000.00

Total Funds
4,000,000,000.00

TOTAL

8,526,217,188.42

2010

11,113,745,650.01

2,000,000,000.00
2010

2011

Return on Assets
1.02
1
0.98
0.96

Return on Assets

0.94
0.92
0.9
0.88
2010

Proprietory Ratio

2011

10
9.5
9

Proprietory Ratio

8.5
8
7.5
2010

2011

Profit After Interest & Tax


Net Assets

2011

Return on Assets

Interest on Deposits,Borrowings etc.


Salaries,Allowances & PF
Director's & Local Comm Members Allowance
Rent,Taxes,Insurance,Lighting etc.
Law Charges
Postage,Telegram & Telephone Charges
Auditor's fees
Depreciation & Repairs to property
Stationery,Printing,Advertisement etc.
Provisions made
Other Expenditure
Balance of Profit
TOTAL

368,538,493.36
46,076,978.28
208,606.00
9,550,507.91
3,230.00
1,865,332.83
308,128.00
10,687,791.04
1,799,617.95
66,938,299.77
6,624,092.46
78,144,260.62
590,745,338.22

419,399,191.37
56,277,172.01
270,641.00
12,497,160.78
94,700.00
1,120,018.01
406,845.00
20,017,630.66
1,960,981.30
103,816,263.21
2,962,815.05
111,952,521.55
730,775,939.94