The Bhuj Mercantile Co-op Bank Ltd - BANK'S PROGRESS REPORT

Progress Report As on 31-03-2021	(Rs. in Lakh)
Fin. Year	2017-18	2018-19	2019-20	2020-21
Net Worth	412	46.15	51.93	56.42
CRAR	47.64	29.80	37.34	30.40
Total Business	17745	24178	30308	43163
Deposit	10332	13113	16366	24405
% Growth in Deposits	33%	27%	25%	50%
Advances	7414	11065	13942	13942
% Growth in Advances	15%	49%	26%	26%
Profit	166.01	165.55	175.93	258
Net NPA %	0 %	0%	0%	0%
Audit Grade	'A'	'A'	'A'	'A'

NOTE'S TO ACCOUNT

Sr.	Particulars	31.03.2019	31.03.2018
1	Capital to Risk Weight Asset Ratio (CRAR)	29.8%	47.64%
2	Movement of CRAR	-17.84	-21.00
3	Investment a) Book Value b) Face Value c) Market Value d) Issuer Composition of Non-SLR Investment	4118.56 4105.00 4051.81 500.00	4609.93 4610.80 4538.97 0.00
4	Advances against real estate, construction business, housing	227.46	367.02
5	Advances against Shares & Debentures	Nil	Nil
6	Advances to directors, their relatives, Fund Based Non Fund Based	0.00 Nil	0.00 Nil
7	Cost of Deposit	5%	4.98%
8	Non Performing Assets (NPAs) Gross NPAs Net NPAs	365.85 0.00%	414.30 0.00%
9	Profitability a) Interest Income as %age to Working Fund b) Non Interest Income as %age to WF c) Operating Profit as %age to Working Fund d) Return on Assets e) Business per employee f) Profit per Employee	7.48% 0.31% 1.03% 0.89% 335.80 2.30	7.59% 0.16% 1.13% 1.03% 264.86 2.48
10	Provision made towards NPAs, Depreciation in Investment, Standard Assets	27.30	15.31
11	Movement in Provisions a) Towards NPAs b) Towards Depreciation in Investment c) Towards Standard Assets	628.70 0.00 0.00	603.80 0.00 0.00
12	Foreign currency Assets & Liabilities	Nil	Nil
13	Payments of DICGC Insurance Premium a) For the half year ended 30th September b) For the half year ended 31st March	6.26 paid on 23.5.2018 6.41 paid on 26.11.2018	4.62 paid on 26.5.2017 4.93 paid on 13.11.2017

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