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

Progress Report As on 31-03-2019	(Rs. in Lakh)
Fin. Year	2015-16	2016-17	2017-18	2018-19
Share Capital	397	412	412	417
Reserve	3313	3511	3558	3747
Total Business	7189	14168	17745	24178
Deposit	4632	7749	10332	13113
% Growth in Deposits	25%	67%	33%	27%
Advances	2557	6419	7414	11065
% Growth in Advances	9%	151%	15%	49%
Profit	200.72	100.28	166.01	165.55
Business / Emp.(Adm)	189	489	386	493
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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