Table 1

Particals
Standard Assets
Substandard Assets
Doudtful Assets
Loss Assets
Total Loss and Advance
Table 2
Year

2008
7770.79
233.58
175.93
0
8180.3

Total NPA
2008
2009
2010
2011

Table 3
Year

409.51
494.95
683.14
166.8

2009
8677.87
296.01
198.94
0
9172.82

2010
9742.63
403.36
279.78
0
10425.77

Increase / Decrease
Increase
Increase
Increase
Decrease

Total Substandard Assets

2008
2009
2010
2011

Table 4
year

233.58
296.01
403.36
128.61

Total Doubtful Assets

Total Gross NPA

2008
2009
2010
2011
Table 5
Year

175.93
198.94
279.78
175.78

Total Loss Assets

2008
2009
2010
2011

Table 6
Year

0
0
0
0

Gross NPA
2008
2009
2010
2011

Total Gross NPA Percentage

0
0
0
0

Total Loan and Advance

409.51
494.95
683.14
304.39

8180.3
9172.87
11364.57
10425.77

Table 7
Year

Provision Actually made

2008
2009
2010
2011

0
21.69
39.08
39.8

2007
1129.54
9730
2624.87
6605
12075

Reserves
Deposits
Investment
Loans &Advance
Working Capital

2008
1236.45
9369
2228.58
8178
11788

2009
1451.87
10276
2157.37
9173
13089

20000
18000
16000
13089

14000

12075

11788

12000
9730

10276

9369

10000

9173
8178

8000

6605

6000
4000
2000

2624.87
1129.54

2228.58
1236.45

2157.37
1451.87

0
2007

Housing loans
Eduction loans
Business loans
Vechicle loans
Immovable
Jewel loan

2009
17907
208.76
94141
39406
859714
12301

Table 10
Year

Total NPA

2008

2010
16653
17746
71199
40192
984238
41662

2009

2011
13833
14250
60980
67267
106597
19139

1605.22

2009
2010
2011

-3.34
166.8
-231.81

Year
2009
2010
2011

Net Profit With NPA

-0.04
1.68
-2.14

Table 11
Net Profit Without NPA
498.29
516.34
536.2

600
498.29

516.34

500
400
300
200
100

1.68

0
-100

2009
-0.04

2010

2011
11060.18
128.61
175.78
0
11364.57

Particulars
2008
2009
2010
2011
12000

10000
8180.3

7770.79

8677.87

8000

6000

4000

Total NPA Persentage

Percentage
2.86%
3.23%
3.86%
1.13%

2000

0
2008

Gross NPA
409.51
494.95
683.14
304.39

Percentage
42.96%
40.13%
40.95%
57.74%

Percentage of Total loans And Advance

5.00%
5.39%
6.55%
2.67%

2009

Provision Required
19.43
35.08
24.36
44.28

2010
1605.22
14052
2962.37
10425
17475

Surplus Provision
-19.43
-5.39
14.72
-4.48

2011
1797.67
1519.2
4141.79
1136.45
19389
19389
17475

14052
Reserves
10425

Deposits
Investment
Loans &Advance
Working Capital
4141.79

2962.37
1605.22

2010

1797.67
1519.21136.45

2011

1000000
900000
800000
700000
600000
500000
400000
300000
200000
100000

94141
17907 39406

0
2009

Total NPA
166.8

200
100
0
-3.34
2009

2010

2011

-100
-200
-231.81

-300

516.34

536.2

Net Profit With NPA

Net Profit Without NPA

1.68
2010

-2.14
2011

Standard Assets
Substandard Assets Doudtful Assets Loss Assets Total Loss and Advance
7770.79
233.58
175.93
0
8180.3
8677.87
296.01
198.94
0
9172.82
9742.63
403.36
279.78
0
10425.77
11060.18
128.61
175.78
0
11364.57
11364.57

11060.18
10425.77
9742.63
9172.82

Standard Assets
Substandard Assets
Doudtful Assets
Loss Assets
Total Loss and Advance

2009

2010

2011

Total NPA
800
683.14

700
600
500

494.95
409.51

400

Total NPA

300
166.8

200
100
0
2008

2009

2010

2011

984238
859714
Housing loans
Eduction loans
Business loans
Vechicle loans
Immovable
106597
94141
71199
67267
60980
41662
40192
39406
19139
17907
13833
1230116653
2009

2010

2011

Jewel loan

2011

-231.81

Total NPA

Table 3
Year
Total Substandard AssetsTotal NPA Percentage
2008
233.58
2009
296.01
2010
403.36
2011
128.61

2.86%
3.23%
3.86%
1.13%
4.50%
4.00%
3.50%
3.00%

2.86%

2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
2008

Table 4
Year
2008
2009
2010
2011

Total Doubtful Assets

175.93
198.94
279.78
175.78

Table 5
Year
Total Loss Assets
2008
2010
2011

Total Gross NPA

409.51
494.95
683.14
304.39

Total Doubtful Asset in Percentage

42.96%
40.13%
40.95%
57.74%

Total Gross NPA

0
0
0

Percentage
0
0
0

0
0
0

Year
2008
2009
2010
2011

Gross NPA
409.51
494.95
683.14
304.39

Total Loan and AdvancePercentage of Total loans And Advance

8180.3
5.00%
9172.87
5.39%
11364.57
6.55%
10425.77
2.67%

Table 7
Year
2008
2009
2010
2011

Provision Actually made

0
21.69
39.08
39.8

Provision Required
19.43
35.08
24.36
44.28

Total NPA Percentage

3.86%
3.23%
2.86%

Total NPA Percentage

1.13%

2008

in Percentage

2009

2010

2011

Total Doubtful Asset in Percentage

70.00%
60.00%
50.00%
40.00%
Total Doubtful Asset in
Percentage

30.00%
20.00%
10.00%
0.00%
2008

2009

2010

2011

Percentage of Total loans And Advance

6.55%

7.00%
6.00%

s And Advance

5.39%

5.00%

5.00%
4.00%
2.67%

3.00%
2.00%
1.00%
0.00%
2008

2009

2010

2011

Surplus Provision
-19.43
-5.39
14.72
-4.48

50
40
30
20

14.72

Provision Actually made

10

Provision Required
Surplus Provision

0
2008
-10
-20
-30

-19.43

2009
-5.39

2010

2011
-4.48

Percentage of Total lo
Advance

dvance

Percentage of Total loans And

Advance

20000
17475

18000
16000

14052
13089

14000

12075

11788

12000
9730
10000

10425

10276

9369

9173
8178

8000

6605

6000
4000
2000

2624.87
1129.54

2228.58
1236.45

2157.37
1451.87

2962.37
1605.22

1797.67
1519.2

0
2007

2008

2009

2010

984238
1000000
900000

859714

800000

Housing loans

700000

Eduction loans

600000

Business loans

500000
400000

Vechicle loans

300000

Immovable

200000
100000

106597
94141
71199 41662
67267
60980
40192
39406
19139
17907
13833
1230116653

Jewel loan

0
2009

2010

2011

600
500
400
300
200

200
100
0
-100

-0.04

19389

Reserves
Deposits
Investment
Loans &Advance
Working Capital
4141.79
1797.67
1519.21136.45

2011

Total NPA
166.8

200
100
0
-3.34
2009

2010

2011

-100
-200
-231.81

-300

498.29

516.34

536.2

Net Profit With NPA

Net Profit Without NPA

1.68
2009
-0.04

2010

-2.14
2011

Total NPA