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THE BHUJ BANK
(MULTI-STATE CO-OP. BANK)
FINANCIAL STRENGH

FINANCIAL STRENGH

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BANK FINANCIALS AS ON 31/03/2023 (RS. IN LAKH)

Particulars 31/03/2023
SB +CA deposits 7635
Total Deposits 39274
Capital fund (Equity+Free Res) 5294
75% of Capital Fund 3971
Loans & Advances 25956.36
Bad debts 838.33
CASA Ratio 19.44%
CD Ratio 58%
CRAR 21.45%
GNPA amount 838.33
GNPA % 3.23%
NNPA % 0.00%
Net Profit After Tax 900

 

BANK FINANCIAL STRENGTH AS ON 31-03-2023 (RS. IN LAKH)

Total Loans & Advances Rs. 25956.36 Lakhs as on 31-03-2023.

Sr No. Classification of Assets   Amount Provision Required As Per Rule Actual Provision made by Bank
1 Standard Assets   25118.01 100.47 161.56
2 Sub-Standard Assets   24.22 2.43 -
3 Doubtful Assets   525.67 459.83 -
4 Loss Assets   288.44 288.44 1179.48
5 Gross NPA (2+3+4)   838.33 750.7 1179.48
  Total (1+5)   25956.34 851.17 1341.04
Excess Provision made by the bank : 590.34
Total Provision made by the bank : 1341.04
NET NPA OF THE BANK IS "0"%
Provision Required for NPA as on 31.03.2023 is Rs.750.70 laks as per RBI guidelines. As against this, the bank has made provision of Rs. 1179.48 lakh. Thus the aggregate provision for NPA is far in excess of total NPA.

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