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FINANCIAL STATEMENTS OF REGIONAL RURAL BANKS
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IMAGE IMPRESSION
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FINANCIAL STATEMENTS OF REGIONAL RURAL BANKS
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National Bank for Agricultureand Rural Development
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FOREWORD
Regional Rural Banks (RRBs) form an integral part of the banking system in our country in view of the important role played by them in financial inclusion and their contribution towards the development of agriculture and rural economy. With the process of amalgamation, the number of RRBs
has
come down to 45
with consequential increase in the area of operation
and volume of
business for each bank. Effectiveness of RRBs’ role depends, to a large extent,
on its financial
health, which is
reflected in the financial statements viz. Balance Sheet &
Profit & Loss Account. Therefore, such
information is required by the
stakeholders for different
purposes. Keeping this aspect in view, NABARD has compiled information on financial health
of all RRBs in the country and presented in this book for the financial year ending
31 March 2020
along
with position of previous year for each RRB. Besides this,
some of the
key indicators
like productivity per branch and per employee, CD ratio, percentage of gross NPA, Net NPA
& other important financial ratios are also indicated bank-wise. We hope this
publication will
be useful to
the stakeholders, researchers and academicians.
Suggestions for improvement are welcome.
N. P. Mohapatra
Chief General Manager
Institutional Development Department
NABARD, Head Office, Mumbai
March, 2021
CONTENTS
PARTICULARS
PAGE NO.
Explanatory Notes
i
ii
ix
1
3
5
6
7
8
9
11
12
14
15
17
18
20
21
22
23
25
27
28
29
30
.
Regional Rural Banks During the Previous Decade (2010-11 to 2019-20)
List of RRBs as on 31 March 2020
ALL INDIA SUMMARY
PART I - RRB-WISE STATEMENTS - STAND ALONE RRBs
1. Arunachal Pradesh Rural Bank
2. Ellaquai Dehati Bank
3.
Manipur Rural Bank
4.
Meghalaya Rural Bank
5.
Mizoram Rural Bank
6.
Nagaland Rural Bank
7.
Puduvai Bharathiyar Grama Bank
8.
Tripura Gramin Bank
9.
Uttar Banga Kshetriya Gramin Bank
PART II -
RRB-WISE STATEMENTS -
AMALGAMATED RRBs
10.
Andhra Pragathi Grameena Bank
11.
Chaitanya Godavari Grameena Bank
12.
Saptagiri Grameena Bank
13.
Assam Gramin Vikash Bank
14.
Dakshin Bihar Gramin Bank
15.
Uttar Bihar Gramin Bank
16.
Chhattisgarh Rajya Gramin Bank
17.
Baroda Gujarat Gramin Bank
18.
Saurashtra Gramin Bank
19.
Sarva Haryana Gramin Bank
20.
Himachal Pradesh Gramin Bank
21.
J & K Grameen Bank
PARTICULARS
PAGE NO.
22.
Jharkhand Rajya Gramin Bank
23.
Karnataka Gramin Bank
24.
Karnataka Vikas Grameena Bank
25.
Kerala Gramin Bank
26.
Madhya Pradesh Gramin Bank
27.
Madhyanchal Gramin Bank
28.
Maharashtra Gramin Bank
29.
Vidharbha Konkan Gramin Bank
30.
Odisha Gramya Bank
31.
Utkal Grameen Bank
32.
Punjab Gramin Bank
33.
Baroda Rajasthan Kshetriya Gramin Bank
34. Rajasthan Marudhara Gramin Bank
35. Tamil Nadu Grama Bank
36. Andhra Pradesh Grameena Vikas Bank
37.
Telangana Grameena Bank
38.
Aryavart Bank
39.
Baroda Uttar Pradesh Gramin Bank
40.
Kashi Gomti Samyut Gramin Bank
41.
Prathama U.P Gramin Bank
42.
Purvanchal Bank
43.
Uttarakhand Gramin Bank
44.
Bangiya Gramin Vikash Bank
45.
Paschim Banga Gramin Bank
PART
III-
STATE-WISE SUMMARY
1.
Andhra
Pradesh
2.
Arunachal
Pradesh
3.
Assam
33
36
37
38
41
42
43
44
45
46
47
48
49
51
52
53
56
57
58
61
59
62
63
64
66
67
68
PARTICULARS PAGE NO.
4. Bihar
5. Chhattisgarh
6. Gujarat
7. Haryana
8. Himachal Pradesh
9. Jammu & Kashmir
10. Jharkhand
11. Karnataka
12. Kerala
13. Madhya Pradesh
14. Maharashtra
15. Manipur
16. Meghalaya
17. Mizoram
18. Nagaland
19. Odisha
20. Puducherry
21. Punjab
22. Rajasthan
23. Tamil Nadu
24. Telangana
25. Tripura
26. Uttar Pradesh
27. Uttarakhand
28. West Bengal
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
PARTICULARS PAGE NO.
PART IV – SPONSOR BANK-WISE SUMMARY
1. Andhra Bank
2. Bank Of Baroda
3. Bank Of India
4. Bank Of Maharashtra
5. Canara Bank
6. Central Bank Of India
7. Indian Bank
8. Indian Overseas Bank
9. J & K Bank
10. Punjab National Bank
11. State Bank Of India
12. Syndicate Bank
13. United Bank Of India
14. Union Bank Of India
15. UCO Bank
Appendix: Amalgamation of Regional Rural Banks from 196 RRBs to 43 RRBs
96
97
98
99
100
101
103
104
105
106
107
108
109
110
111
113
EXPLANATORY NOTES
This publication “Financial Statements of Regional Rural Banks as on 31 March 2020”
reports the financial performance of the RRBs as on 31 March 2020.
1. The data has been captured from the Balance Sheets and P & L accounts of RRBs
uploaded by RRBs in “Ensure” platform and as reported in their Annual Reports.
The Audited data
published earlier in Key Statistics of Regional Rural Banks, 2020, based on audited data submitted through Off-site Surveillance (OSS) returns in Ensure Platform, has been updated wherever necessary, based on Data available in Annual reports of RRBs.
2. Recovery position is as per the data related to Demand, Collection and Balance
received from the RRBs as on 30 June 2019.
3. Certain data relating to 2018-19
though already published, has been updated based on the
revisions/clarifications received
from the RRBs. Tier II Bonds have been included as a part of
Borrowings.
4. All the statements (All-India, State and Sponsor Bank-wise and RRB-wise statements)
indicate profit as ‘Income over Expenditure’ and loss as ‘Expenditure over Income’. The number of banks that earned profits/incurred losses is indicated in brackets. Gross Income over expenditure relates to Net Profit (after tax).
5. Provisions & Contingencies during the year include the Provision for Income Tax/Income Tax Paid
6. The Financial Ratios have been calculated as under:
Financial Return = (Interest earned on advances + Interest earned on investments + Interest earned on others)/Average Working Fund (AWF) x100. Financial Cost= (Interest paid on deposits + Interest paid on borrowings +
Interest paid on others)/AWFx100.
Staff Cost= Wage Bill/AWFx100.
Other Operating Cost = Other Operating Expenses/AWFx100.
Miscellaneous Income = (Commission + Other Income)/AWFx100.
Gross Margin = (Financial Margin
- Wage Bill
-
Other Operating Cost
+
Miscellaneous Income)/AWFx100 Risk Cost = (Provisions & Contingencies made during the year / AWF) x100.
Net Margin
(Return on Assets)
= Gross Margin –
Risk Cost.
7. Branch Productivity = (Total Deposits + Gross Advances) / No. of Branches
8. Employee Productivity = (Total Deposits + Gross Advances)/No. of employees.
i
Regional Rural Banks during Previous Decade
FY 2010-11 to FY 2019-20
egional Rural Banks (RRBs) were conceptualised by the Narsimham Working Group
in 1975 as a
new set of regionally oriented rural banks, which would combine the local feel and familiarity of
rural problems characteristic of cooperatives with the professionalism and large resource base of
commercial banks.
The first 5
RRBs were set-up on 2 October 1975 after promulgation of an ordinance
by Government of India, which was later replaced by the Regional Rural Banks Act, 1976.
RRBs
are
jointly owned by Government of India, the concerned State Government and the sponsoring
commercial bank. The ownership pattern espouses the spirit of cooperative federalism towards
achieving the goal of last mile financial inclusion.
As on 31 March 2020,
there were
45 RRBs sponsored by 15 Scheduled Commercial Banks with
21,847
branches
catering to 26.6
Crore
depositors and 2.5 Crore borrowers in 26 States and 3 Union
Territories. 92% of the RRB branches are located in rural/semi-urban areas.
The performance and important developments in the context of Regional Rural Banks during the
previous decade are summarised in the following paragraphs. Some of the important financial
parameters of RRBs during the last 10 years are provided in Table 1.
1. Capital Adequacy & Recapitalisation of RRBs:
The second decade of the 21st century began with the implementation of recommendations of the
“Committee on Recapitalisation of RRBs for Improving CRAR”, which was headed by Dr. K.C.
Chakrabarty.
Based on recommendations of the committee, a Scheme for Recapitalization of RRBs with a financial
support of Rs. 2,900 crore {[GoI : Sponsor Bank : State Government]:: [50:35:15]} was approved by the
Union Cabinet, in its meeting held on 10 February 2011, to enable RRBs achieve and maintain Capital
to Risk Weighted Assets Ratio (CRAR) of over 9%.
Reserve Bank of India vide their notification dated 26 November 2013, prescribed a minimum CRAR of
9%
for RRBs, on an ongoing basis with effect from March 31, 2014. The details on system-wide CRAR
of RRBs and the number of RRBs with CRAR<9%, since 31 March 2014 are provided in Table 2 below.
Table 2: CRAR(%) of RRBs
As on 31 March
CRAR(%)- All India Average
Total No. of RRBs
No. of RRBs with
CRAR <9% 2014
13.3
57
5
2015
13.3
56
4 2016
12.8
56
4
2017
13.0
56
5 2018
12.4
56
10
2019
11.5
53
13
2020
10.3
45
17
R
ii
Tabl
e 1:
Fin
anci
al P
erfo
rman
ce o
f RRB
s du
ring
the
Prev
ious
Dec
ade-
FY 2
010-
11 to
FY
2019
-20
(Am
ount
in R
s. C
rore
)
Para
met
er
31-M
ar-1
1
31-M
ar-1
2
31-M
ar-1
3
31-M
ar-1
4 31
-Mar
-15
31-M
ar-1
6
31-M
ar-1
7
31-M
ar-1
8
31-M
ar-1
9
31-M
ar-2
0
No.
Of R
RBs
82
82
64
57
56
56
56
56
53 45
Bra
nche
s16
,001
16
,909
17
,861
19,0
82 20
,024
20
,920
21
,422
21,7
47
21,8
71
21,8
47
Staf
f70
,153
74
,291
76
,246
80,0
28 85
,549
88
,193
86
,549
89,8
06
92,4
43
91,6
16
Paid
Up
Capi
tal
4,
273
5,
199
6,
198
6,
367
6,37
2
6,38
7
6,40
1 6
,436
6,72
1
7,84
9
Res
erve
s9,
566
11
,263
13
,247
15,8
05 18
,712
20
,665
23
,080
25,0
83
25,3
98
26,8
14
Tota
l Bor
row
ings
26
,491
30
,289
38
,073
50,2
30 59
,422
47
,888
51
,588
57,6
47
53,5
48
54,3
93
Tota
l Dep
osits
1,
66,2
32
1,86
,336
2,
11,4
88 2,
39,4
94
2,73
,018
3,
13,4
99 3
,71,
910
4,
00,4
59
4,34
,444
4,
78,7
37
CAS
A(%
)60
58
57
55
52
53
49
53
54 53
Gro
ss lo
ans
O/S
98
,917
1,
16,3
85
1,37
,078
1,59
,407
1,
80,9
55
2,06
,538
2,2
6,17
5
2,53
,978
2,
80,7
55
2,98
,214
Tota
l Bus
ines
s
2,65
,150
3,
02,7
21
3,48
,566
3,98
,901
4,
53,9
73
5,20
,037
5,9
8,08
5
6,54
,438
7,
15,1
99
7,76
,952
CD
Ratio
(%)
60
62
65
67
66
66
61
63
65 62
Prio
rity
Sect
or L
oans
O
/S82
,642
95
,542
1,
11,8
12 1,
30,3
20
1,49
,357
1,
77,9
22 1
,99,
215
2,
27,9
41
2,55
,022
2,
70,1
82
Tota
l Inv
estm
ents
99
,360
1,
08,0
91
1,25
,903
1,39
,632
1,
62,7
81
1,69
,592
2,1
0,98
4
2,22
,266
2,
26,1
72
2,50
,859
Net
Ow
ned
Fund
s
12,3
07
15,1
29
18,3
55 21
,224
24,0
11
26,0
02
28,3
33 29
,653
29
,232
28
,195
Acc
umul
ated
Los
ses
1,
532
1,
333
1,
091
94
8 1,
072
1,
050
1,
147
1,8
66 2,88
7
6,46
7
iii
Tabl
e 1:
Fin
anci
al P
erfo
rman
ce o
f RRB
s du
ring
the
Prev
ious
Dec
ade-
FY 2
010-
11 to
FY
2019
-20
(Am
ount
in R
s. C
rore
)
Para
met
er
31-M
ar-1
1
31-M
ar-1
2
31-M
ar-1
3
31-M
ar-1
4 31
-Mar
-15
31-M
ar-1
6
31-M
ar-1
7
31-M
ar-1
8
31-M
ar-1
9
31-M
ar-2
0
Tota
l Ass
ets/
Liab
ilitie
s
2,15
,359
2,
42,5
34
2,79
,494
3,23
,931
3,
69,7
20
4,00
,872
4,6
6,04
8
5,04
,864
5,
37,9
89
5,88
,021
GN
PA (%
)
3.75
5.
03
6.08
6.
09 6.
15
6.80
8.
07
9.47
10.8
0
10.4
3
NNP
A(%
)
2.05
2.
98
3.78
3.
52 3.
64
4.23
5.
06
5.90
6.81
5.
83
Yiel
d on
Ass
ets
(%)
8.
05
8.70
7.
99
8.69
9.09
8.
76
8.27
8.
04 7.
51
7.86
Cos
t of F
unds
(%)
4.
56
5.17
4.
82
5.32
5.70
5.
70
5.39
5.
01 4.
58
4.68
Net
Inte
rest
Mar
gin
(%)
3.
50
3.53
3.
17
3.46
3.39
3.
05
2.87
3.
03 2.
94
3.19
Cos
t of M
anag
emen
t (%
)2.
59
2.53
2.
21
2.35
2.72
2.
54
2.39
2.
29 2.
66
3.62
Ris
k Co
st (%
)
0.52
0.
66
0.59
0.
70 0.
40
0.54
0.
73
1.14
1.18
1.
01
Mis
cella
neou
s In
com
e (%
)0.
52
0.51
0.
51
0.53
0.56
0.
56
0.76
0.
72 0.
77
1.04
RoA
(%)
0.91
0.
85
0.88
0.
94 0.
83
0.53
0.
51
0.32
-0.1
3
-0.4
0
No.
of R
RB
s in
Pro
fit
75
79
63
57 51
50
49
45
39
26
Prof
it of
RR
Bs
in P
rofit
1,
786
1,
886
2,
275
2,
694
2,92
1
2,20
6
2,60
4 2
,530
1,75
9
2,20
3
No.
of R
RB
s in
Los
s
7
3
1
- 5
6
7
11
14
19
Loss
of R
RBs
in L
oss
71
29
2
-
176
18
8
387
1,
005
2,41
1
4,41
1
Net
Pro
fit/L
oss
1,
715
1,
857
2,
273
2,
694
2,74
4
2,01
8
2,21
8 1
,525
-652
-2
,208
Sour
ce: E
nsur
e Po
rtal,
NA
BAR
D &
Ann
ual R
epor
ts o
f RR
Bs
iv
There has been a steep decline in the Capital Adequacy position of RRBs from FY 2018-19 and a
continuous increase in the number of RRBs with CRAR less than the regulatory minimum of 9%. This is
mainly on account of implementation of the Pension Scheme for RRB employees. The pension
scheme
which brought about parity in pension for RRB employees in line
with Nationalised Commercial
Banks, was implemented consequent upon the judgement of the Hon’ble Supreme Court on 25th April,
2018.
The total liability
on the
RRBs
on account of implementation of revised pension scheme has been
assessed to be around Rs. 27,500
Crore. Considering the huge liability, RBI has allowed RRBs to
amortize pension liability
over
a period of five years from FY 2018-19 till FY 2022-23, subject to a
minimum of 20 percent of the pension liability assessed as on March 31 of the year concerned.
Post 2011, the scheme for recapitalization of RRBs was extended up to FY 2019-20 in a phased
manner.
During FY 2019-20, the Reserve Bank of India permitted RRBs to issue Perpetual Debt
Instruments (PDI)
eligible for inclusion as Tier 1 capital so as to maintain prescribed CRAR.
Further, on
25 March 2020, the Cabinet Committee on Economic Affairs (CCEA) gave its approval for
continuation of the process
of recapitalization of RRBs for another year beyond 2019-20, that is, up to
2020-21 for those RRBs which are unable to maintain minimum CRAR of 9% and approved utilization
of Rs.670 crores as Central Government’s share for the scheme of Recapitalization of RRBs (i.e. 50%
of the total recapitalization support of Rs.1,340 crore).
During the decade ended FY 2019-20, a total amount of Rs. 3,831.42 Crore has been sanctioned
towards recapitalisation assistance of RRBs [GoI : Sponsor Bank : State Government]:: [50:35:15].
The RRB Act, 1976 was amended in 2015 vide which the authorised capital of each RRB was
increased from from Rs 5 crore to Rs 2,000 crore. RRBs were also permitted to raise capital from
sources other than the central/state government/sponsor bank, provided the combined shareholding
of the Central Government and the Sponsor Bank shall not be less than fifty-one per cent.
During FY 2020-21, Rs. 400 Crore [GoI : Sponsor Bank : State Government]:: [50:35:15]. was
sanctioned as recapitalisation assistance towards 7 RRBs. GoI has allocated Rs. 1,200 Crore in the
Budget Estimates of FY 2021-22, towards its share (50%) of recapitalisation of RRBs.
2. Profitability
The performance of RRBs in terms of profitabity has been mixed during the previous decade.
During first half of the decade, catalysed by the recapitalisation assistance,
RRBs as a whole were highly
profitable with an Average Return on Assets (%) of over 0.8% during all the financial years between 2011 and 2015. During FY 2013-14 all the 57 RRBs in the country were profitable with an all India
average RoA
(%) of 0.94%.
However, the profitability
of RRBs as a whole witnessed a decline during second half of the decade.
RRBs as a whole reported a net loss in FY 2018-19, for the first time since
FY
1996-97.
The decline in
profitability can be attributed to 2 reasons. The primary reason for RRBs as a whole to report a net loss, for the first time in over 20 years,
in FY 2018-19 was due to the implementation of revised pension
scheme. The
initial
decline in profitability
observed during the second half of the decade was on
account of RRBs transitioning into the transparent regime of system –based recognition of NPAs , which resulted in a spurt in the NPAs. Though the net loss of RRBs as a whole increased to Rs. 2,208 crore during FY 2019-20 from a net loss of Rs. 652 Crore during FY 2018-19, the profit of profit making
RRBs increased from Rs. 1,759 crore to Rs. 2,203 crore during the same period.
v
RRBs in southern and western states viz. Andhra Pradesh, Telangana, Tamil Nadu, Gujarat,
Rajasthan, Punjab, Haryana were profitable even in the face of pension
liability (Andhra Pradesh
Grameena Vikas Bank posted
a net profit of Rs. 617.6 crore during FY 2019-20).
3.
Amalgamation of RRBs
RBI constituted a Committee under the Chairmanship of Professor V S Vyas on “Flow of Credit to
Agriculture and Related Activities from the Banking System” which examined relevance of RRBs in the
rural credit system and the alternatives for making it viable. RBI’s Report of the Internal Working Group
on RRBs, headed by Shri A.V. Sardesai recommended amalgamation of RRBs to improve the
operational viability of RRBs and take advantage of the economies of scale. Based on the
recommendations of these committees,
the consolidation process of RRBs
was initiated by GoI in the
year FY 2005-06.
The first phase
of amalgamation was initiated Sponsor Bank-wise within a State in 2005 and the
second phase
was across the Sponsor banks within a State during 2012-2015. As a result of two
rounds of amalgamation, the number of RRBs reduced from 196 to 56 and succeeded in bringing better
efficiency, higher productivity, robust financial health of RRBs, improved financial inclusion and greater
credit flow to rural areas. Government of India initiated the process of third phase of amalgamation of
RRBs in FY 2018-19 on the principle of ‘One state - One RRB’, in smaller States and reduction in
number of RRBs in larger states aiming at reduction in total number of RRBs.
The summary of amalgamation which resulted in reduction in number of RRBs from 196 in FY 2005-06
to 45 as at the end of FY 2019-20 is provided in table below. The bank-wise details of all
amalgamations are provided in Appendix-1.
Table 3: Amalgamation of RRBs from 31 March 2005 (196 RRBs) to 31 March 2020 (45 RRBs)
As on
No. of Sponsor Banks
No. of RRBs No. of Stand Alone RRBs
No. of Amalgamated
RRBs 31-Mar-05 28 196 196 - 31-Mar-06
28
133
107
26
31-Mar-07
28
96
51
45
31-Mar-08
28
91*
45
46
31-Mar-09
27
86
41
45
31-Mar-10
27
82
36
46
31-Mar-11
26
82
36
46
31-Mar-12
26
82
36
46
31-Mar-13
23
64
21
43
31-Mar-14
23
57
15
42
31-Mar-15
22
56
14
42
31-Mar-16
22
56
14
42
vi
Table 3: Amalgamation of RRBs from 31 March 2005 (196 RRBs) to 31 March 2020 (45 RRBs)
As on
No. of Sponsor Banks
No. of RRBs
No. of Stand Alone RRBs
No. of Amalgamated
RRBs
31-Mar-17
22
56
14
42
31-Mar-18
18
56
14
42
31-Mar-19
17
53
12
41
31-Mar-20
15
45
9
36
*Note: One New Stand Alone RRBs Viz. Puduvai Bharathiar Grama Bank,sponsored by Indian Bank, was established on 26.3.08 in the Union Territory of Puducherry
3 RRBs in the State of Uttar Pradesh viz. Baroda Uttar Pradesh Gramin Bank, Kashi Gomti Samyut Gramin Bank and Purvanchal Bank were amalgamated to form Baroda U.P. Bank under the sponsorship of Bank of Baroda with effect from 1 April 2020.
4. Balance Sheet & Business Parameters
The total Business size of RRBs stood at Rs. 7.8 Lakh Crore as on 31 March 2020 and witnessed a
CAGR of 12.7% during the previous decade. While the Gross Loans Outstanding grew by 13%, the
total deposits grew by 12.5% during the decade. The balance sheet size of the RRBs stood at Rs. 5.88
Lakh crore as on 31 March 2020 and grew by 12.8% CAGR during the previous decade. The CD ratio
remained in the range of 60-67%.
The share of Deposits to total liabilities remained in the range of 73-81% and the share of CASA
deposits to total deposits was in the range of 50-60%. The share of Priority Sector Loans O/S in Gross
loans Outstanding was consistently over 80%, with the share increasing in later half of the decade to
90.6% as on 31 March 2020.
As on 31 March 2020, Agri. loans Outstanding of the RRBs constituted 70% of the Gross loans
Outstanding and loans outstanding to Small Farmers/Marginal Farmers and weaker sections
constituted 48% and 60% respectively of the total loans outstanding of RRBs as on 31 March 2020.
5.
Asset Quality:
Gross Non-Performing Assets as percentage of total loans outstanding witnessed a gradual increase
from 3.75% as on 31 March 2011 to 10.43% as on 31 March 2020. The asset quality deterioration
moderated as on 31 March 2020 mainly on account of moratorium granted by RBI under the COVID -19
Regulatory package resulting in asset classification stand still during the moratorium period.
As on 31
March 2020, the GNPA (%) under priority sector portfolio stood at 10.8% and the GNPA under non-
priority sector portfolio stood at 6.5%.
6.
Costs & Margins
The Net Interest Margin (NIM(%) ) of the RRBs witnessed a slow but almost continuous decline from
from 3.50 % during FY 2010-11 to 2.94% during FY 2018-19. Though it marginally improved to 3.19%
during FY 2019-20, the Cost of Management (%), at 3.62%, of the RRBs exceeded the NIM for the first
time in
previous decade on account of implementation of pension scheme.
vii
The scheme of Priority Sector Lending Certificates
(PSLCs) was introduced by RBI in FY 2016-17.
PSLCs enable banks to achieve the priority sector lending target and sub-targets by purchase of these
instruments in the event of shortfall and at the same time incentivize the surplus banks to utilise their
excess PSL portfolio to generate fee income by issuance of PSLCs.
RRBs have effectively utilised the PSLCs to augment their Miscellaneous Income and PSLCs have
been one of the main reasons for improvement in Miscellaneous Income of RRBs towards the end of
the decade.
During FY 2019-20 RRBs issued PSLCs amounting to Rs. 98,412 Crore
and earned a fee
income of Rs. 1,366 Crore .
7.
Highlights of Performance of RRBs in Financial Inclusion
RRBs have been playing a significant role in disbursement of timely credit to farmers through the
flagship Kisan Credit Card Scheme. Of the total 6.5 crore operative KCC accounts as on 31 March
2020, RRBs account for around 19% (1.22 crore accounts). The total amount outstanding under
operative KCC accounts in RRBs was Rs. 1.37 Lakh Crore as on 31 March 2020.
RRBs have also been favourably influencing the economic development in rural areas by promoting
other areas of Financial Inclusion such as Savings, Pension/Social Security, promotion of Self Help
Groups etc.
3.50
3.53
3.17
3.46
3.39
3.05
2.87
3.03
2.94
3.19
2.59
2.53
2.21
2.35
2.72
2.54
2.39
2.29
2.66
3.62
0.91 0.85 0.88 0.94 0.83
0.53
0.51
0.32
(0.13) (0.40)
-1.0
-0.5
-
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
31-
Mar
-11
31-
Mar
-12
31-
Mar
-13
31-
Mar
-14
31-
Mar
-15
31-
Mar
-16
31-
Mar
-17
31-
Mar
-18
31-
Mar
-19
31-
Mar
-20
Costs & Margins (%)
Net Interest Margin (%) Cost of Management (%)
Risk Cost (%) Miscellaneous Income (%)
RoA(%)
Cost of Management > NIM
(%)
in FY 2019-20
viii
Savings:
Of
the total 41.6 Crore bank accounts opened under Pradhan Mantri Jan Dhan Yojana
(PMJDY) as on 31 December 2020, RRBs accounted for 18% (7.4 crore bank accounts). This is in
comparison to 79% share of all Public Sector Banks (PSB) and 3% share of all Private Sector Banks
(PVB). The average balance under PMJDY accounts was the highest for RRBs
(Rs. 3,515/
account) in comparison to PSBs (Rs. 3,270) and PVBs(Rs. 3,272) signifying the increased usage of
PMJDY accounts in RRBs as a savings avenue.
Pension/ Social Security:
Atal Pension Yojana was launched by GoI with the objective of creating a
universal social security system for all Indians, especially the poor, the under-privileged and the
workers in the unorganised sector. It provides a minimum guaranteed pension ranging from Rs 1000 to
Rs 5000 on attaining 60 years of age. Of the total 2.23 crore enrolments under Atal Pension Yojana till
31 March 2020, RRBs account for 19.3 % (43 Lakh enrolments). This is in comparison to the share of
70% of Public Sector Banks, 10.7% share of all other banks like private sector Banks, Small Finance
Banks, Co-operative Banks put together.
Self Help Groups
(SHGs):
RRBs, with a branch network of just 14 % of all Scheduled Commercial
Banks (SCBs), account for 32% of SHGs which have bank accounts as on 31 March 2020. In FY 2019-
20, RRBs accounted for 31 % of total loans disbursed to SHGs and accounted for 28% of total loans
outstanding of SHGs as on 31 March 2020. The NPAs in SHG loans was also lesser in RRBs vis-à-vis
SCBs.
8. Recent Developments
8.1. Revision in Priority Sector Lending Guidelines
RBI vide its Master Directions dated 4 September 2020 have issued revised guidelines in respect of
Priority Sector Lending for Commercial Banks, including RRBs. Among the many changes proposed,
the targets prescribed for “small and marginal farmers” and “weaker sections” are being increased in a
phased manner and RRBs incurring any shortfall in lending against their PSL target/sub-targets from
FY 2020-21 onwards will be required to make contributions towards RIDF and other refinance funds, as
directed by RBI. The increase in targets under SF/MF category are set to benefit the RRBs, for whom
the lending towards SF/MF constitute almost 50% of their Gross Loans Outstanding.
8.2.
Revision in IBPC guidelines for RRBs
RBI has removed the criteria which mandated RRBs to issue IBPCs only in excess of 75% of their
outstanding advances.
8.3.
Introduction of LAF and MSF for RRBs
In order to provide an additional avenue for liquidity management to RRBs, RBI has decided to extend
Liquidity Adjustment Facility (LAF) and Marginal Standing Facility (MSF) to Scheduled RRBs meeting
specific criteria.
9.
Conclusion & Way Forward
implementation of recommendations of the committee headed by
Dr.
K.C. Chakrabarty which resulted
in improved viability of the RRBs and they reached a zenith during FY 2013-14, when all the RRBs in
India reported profit and the accumulated losses of the RRBs were the least.
However, towards
the
The decade ended FY 2019-20 was a roller-coaster ride for RRBs. The decade began with the
ix
end of the decade, the financial position of RRBs has been impacted by the black swan
event of
implementation
of revised pension scheme resulting in RRBs as a whole reporting a net loss for two
consecutive years in FY 2018-19 and FY 2019-20. Even when RRBs as a whole have reported a net
loss for two consecutive years, 26 RRBs have reported profit during the FY 2019-20 and the profit of
profit making RRBs has increased. The third phase of amalgamation in progress is further expected to
help RRBs reap the efficiencies of scale by cutting down overhead costs. Two
recently amalgamated
RRBs viz. Aryavart Bank and Prathama U.P. Gramin Bank have turned profitable in FY 2019-20, in
comparison to the net loss posted by the pre-amalgamated entities during FY 2018-19.
GoI and RBI have taken steps to diversify the capital sources of RRBs during the previous decade
through amendments in the RRB Act and through regulatory permission for accessing Perpetual Debt
Instruments for inclusion as AT1 capital. These steps are expected to strengthen the capital base of
the RRBs with lesser reliance on existing shareholders.
The recent amendments to Priority Sector Lending guidelines and IBPC guidelines are expected to
further help RRBs effectively leverage their Priority Sector Lending portfolio to augment their
Miscellaneous Income..
Credit growth has been muted during FY 2020-21 due to the impact of CoVID-19 and all sectors except
agriculture have witnessed a negative growth. However, as per RBI’s recent bulletin, RRBs have
registered a YoY growth of 12.4 % in credit in February 2021, which is the highest amongst all
categories of banks (6% for PSBs and 8.4% for private sector banks).
The impact of pension liability is expected to adversely affect the financials of RRBs till the end of
amortisation period i.e. till FY 2022-23. The financially sound RRBs are expected to continue to remain
sustainably viable during the period and the stakeholders such as GoI, State government, Sponsor
Banks, RBI, NABARD and RRB management and employees are leaving no stone unturned to ensure
that even the weak RRBs come out of the pension amortisation period in a
financially sound
manner,
so as
to further the cause of last mile financial inclusion in the country.
x
Sr.No. State/UT Sponsor Bank Name of RRB
1 2 3 4
1 Andhra Pradesh Syndicate Bank ANDHRA PRAGATHI GRAMEENA BANK
2 Andhra Pradesh Andhra Bank CHAITANYA GODAVARI GRAMEENA BANK
3 Andhra Pradesh Indian Bank SAPTAGIRI GRAMEENA BANK
4 Arunachal Pradesh State Bank of India ARUNACHAL PRADESH RURAL BANK
5 Assam United Bank of India ASSAM GRAMIN VIKASH BANK
6 Bihar Punjab National Bank DAKSHIN BIHAR GRAMIN BANK
7 Bihar Central Bank of India UTTAR BIHAR GRAMIN BANK
8 Chhattisgarh State Bank of India CHHATTISGARH RAJYA GRAMIN BANK
9 Gujarat Bank of Baroda BARODA GUJARAT GRAMIN BANK
10 Gujarat State Bank of India SAURASHTRA GRAMIN BANK
11 Haryana Punjab National Bank SARVA HARYANA GRAMIN BANK
12 Himachal Pradesh Punjab National Bank HIMACHAL PRADESH GRAMIN BANK
13 Jammu and Kashmir State Bank of India ELLAQUAI DEHATI BANK
14 J & K, Ladakh J and K Bank J & K GRAMEEN BANK
15 Jharkhand State Bank of India JHARKHAND RAJYA GRAMIN BANK
16 Karnataka Canara Bank KARNATAKA GRAMIN BANK
17 Karnataka Syndicate Bank KARNATAKA VIKAS GRAMEENA BANK
18 Kerala Canara Bank KERALA GRAMIN BANK
19 Madhya Pradesh Bank of India MADHYA PRADESH GRAMIN BANK
20 Madhya Pradesh State Bank of India MADHYANCHAL GRAMIN BANK
21 Maharashtra Bank of Maharashtra MAHARASHTRA GRAMIN BANK
22 Maharashtra Bank of India VIDHARBHA KONKAN GRAMIN BANK
23 Manipur United Bank of India MANIPUR RURAL BANK
24 Meghalaya State Bank of India MEGHALAYA RURAL BANK
25 Mizoram State Bank of India MIZORAM RURAL BANK
26 Nagaland State Bank of India NAGALAND RURAL BANK
27 Odisha Indian Overseas Bank ODISHA GRAMYA BANK
28 Odisha State Bank of India UTKAL GRAMEEN BANK
29 Puducherry Indian Bank PUDUVAI BHARATHIYAR GRAMA BANK
30 Punjab Punjab National Bank PUNJAB GRAMIN BANK
31 Rajasthan Bank of Baroda BARODA RAJASTHAN KSHETRIYA GRAMIN BANK
32 Rajasthan State Bank of India RAJASTHAN MARUDHARA GRAMIN BANK
33 Tamil Nadu Indian bank TAMIL NADU GRAMA BANK
34 Telangana State Bank of India ANDHRA PRADESH GRAMEENA VIKAS BANK
35 Telangana State Bank of India TELANGANA GRAMEENA BANK
36 Tripura United Bank of India TRIPURA GRAMIN BANK
37 Uttar Pradesh Bank of India ARYAVART BANK
38 Uttar Pradesh Bank of Baroda BARODA UTTAR PRADESH GRAMIN BANK
39 Uttar Pradesh Union Bank of India KASHI GOMTI SAMYUT GRAMIN BANK
40 Uttar Pradesh Punjab National Bank PRATHAMA U.P GRAMIN BANK
41 Uttar Pradesh State Bank of India PURVANCHAL BANK
42 Uttarakhand State Bank of India UTTARAKHAND GRAMIN BANK
43 West Bengal United Bank of India BANGIYA GRAMIN VIKASH BANK
44 West Bengal UCO Bank PASCHIM BANGA GRAMIN BANK
45 West Bengal Central Bank of India UTTAR BANGA KSHETRIYA GRAMIN BANK
List of RRBs in India as on 31 March 2020
xi
xii
S.No No. Of RRBs
1 1
2 3
3 3
4 1
5 2
6 2
7 3
8 1
9 1
10 5
11 15
12 2
13 1
14 1
15 4
45
S.No No. Of RRBs
1 3
2 1
3 1
4 2
5 1
6 2
7 1
8 1
9 2
10 1
11 2
12 1
13 2
14 2
15 1
16 1
17 1
18 1
19 2
20 1
21 1
22 2
23 1
24 2
25 1
26 5
27 1
28 3West Bengal
Note:
1) 3 RRBs in the State of Uttar Pradesh viz. Baroda Uttar Pradesh Gramin Bank, Kashi Gomti Samyut Gramin Bank and Purvanchal Bank
were amalgamated to form Baroda U.P. Bank under the sponsorship of Bank of Baroda with effect from 1 April 2020.
2) With amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank, Syndicate Bank into Canara
Bank, Andhra Bank and Corporation Bank into Union Bank of India and Allahabad Bank into Indian Bank, there are 43 RRBs in India
with effect from 1 April 2020, which are sponsored by 12 Sponsor Banks.
3) *J & K Grameen Bankwith, Head Office at Jammu, has 2 branches in Union Territory of Ladakh
4) # *Andhra Pradesh GVB, with HO at Warangal, Telangana, operates in 21 Districts of Telangana and 3 Districts of Andhra pradesh
Rajasthan
Tamil Nadu
Telangana
Tripura
Uttar Pradesh
Uttarakhand
Jammu & Kashmir *
Punjab
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Odisha
Puducherry
Bihar
Chhattisgarh
Gujarat
Haryana
Himachal Pradesh
Total
Name of State/UTAndhra Pradesh #
Arunachal Pradesh
Assam
United Bank of India
Bank of Maharashtra
Canara Bank
Central Bank of India
Indian Bank
Indian Overseas Bank
J and K Bank
Punjab National Bank
State Bank of India
Syndicate Bank
UCO Bank
Union Bank of India
Bank of India
State-Wise Summary/Sponsor Bank-Wise Summary, As on 31 March 2020
Name of Sponsor BankAndhra Bank
Bank of Baroda
2019-20 Amt. in `lakh
45
No. of Districts: 696 No of Branches : 21,847 No. of Staff : 91,616
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 6,72,096.49 7,84,907.58 Cash in Hand 2,91,281.41 2,86,006.75
Reserves 25,39,806.21 26,81,372.41 Balances with RBI 17,89,710.20 16,74,357.60
Balances in Current A/c 5,46,857.76 7,61,293.87
Deposits 4,34,44,442.88 4,78,73,721.43 Balances in Deposit A/c 72,92,803.42 92,96,229.93
Current 11,12,373.01 10,75,009.58 Other Investments 1,53,24,427.75 1,57,89,705.32
Savings 2,24,09,512.38 2,44,41,396.47 Loans & Advances (Net) 2,61,95,328.72 2,80,21,959.78
Term 1,99,22,557.49 2,23,57,315.38 Fixed Assets 1,27,365.84 1,23,513.84
Borrowings 53,55,604.17 54,39,332.00 Other Assets 19,42,487.64 22,02,350.84
NABARD 46,89,351.64 46,12,032.75 Accumulated Losses 2,88,658.49 6,46,661.38
Sponsor Banks 3,74,650.83 4,51,896.51
Others 2,91,601.70 3,75,402.74
Other Liabilities 17,86,971.48 20,22,745.89
TOTAL 5,37,98,921.23 5,88,02,079.31 5,37,98,921.23 5,88,02,079.31
Interest on Deposits 20,23,959.43 22,98,473.40 Interest on Advances 23,65,128.00 26,58,134.46
Interest on RBI/Inter Bk. Funds 3,27,036.89 2,74,064.38 Interest on Investments & Bank Balances 15,28,000.01 17,11,680.06
Interest on Others 20,631.25 25,993.17 Commission 1,27,500.61 1,45,450.72
Wage Bill 9,37,908.76 14,65,408.66 Other Income 2,78,160.77 4,29,917.80
Other Operating Expenses 4,42,415.39 5,42,179.22
Provisions and Contingencies 6,12,011.00 5,59,904.05
Income over Expenditure 1,75,927.57 2,20,296.47 Exp. Over Income 2,41,100.90 4,41,136.31
No. of RRBs in Profit 39 26 No. of RRBs in Loss 14 19
TOTAL 45,39,890.29 53,86,319.35 45,39,890.29 53,86,319.35
Per Branch Productivity 3,270.08 3,556.33 CD Ratio 64.62 62.29
Per Employee Productivity 773.67 848.05 Recovery (%) 76.88 76.95
CRAR(%) 11.50 10.28 Gross NPA (%) 10.80 10.43
Net NPA (%) 6.81 5.83
Gross loans Outstanding 2,80,75,503.15 2,98,21,438.62 Loan O/s 6.22 Fin. Return 7.51 7.86
Loans Disbursed 1,94,47,001.73 2,21,25,179.26 Deposits 10.20 Fin. Cost 4.58 4.68
Gross NPAs 30,31,741.56 31,10,643.57 Net Profit/Loss(-) 238.85 Fin. Margin 2.94 3.19
Net NPA 17,84,278.36 16,33,113.61 Salary 1.81 2.64
Average Working Fund 5,18,34,899.26 5,55,66,011.46 Other Opt. Exp. 0.85 0.98
Net Profit/Loss (-) -65,173.33 -2,20,839.84 Misc. Income 0.78 1.04
Gross Margin 1.05 0.61
Risk Cost 1.18 1.01
Net Margin -0.13 -0.40
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
(ALL INDIA)
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Total Number of RRBs:
TOTAL
1
PART IRRB-WISE STATEMENTS
STAND ALONE RRBs
2
2019-20 Amt. in `lakh
Name of RRB: Arunachal Pradesh RB State: Arunachal Pradesh No. of Districts: 13
No of Branches : 30 No. of Staff : 104 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 5,878.04 5,878.04 Cash in Hand 591.59 579.83
Reserves - 155.00 Balances with RBI 3,040.50 2,960.50
Balances in Current A/c 813.21 4,892.21
Deposits 70,969.12 73,370.89 Balances in Deposit A/c 29,293.69 28,315.00
Current 13,433.52 14,259.89 Other Investments 23,172.66 24,100.75
Savings 35,493.45 36,829.83 Loans & Advances (Net) 19,138.40 15,422.91
Term 22,042.15 22,281.17 Fixed Assets 185.75 275.85
Borrowings 105.93 99.27 Other Assets 2,329.82 1,984.87
NABARD - - Accumulated Losses 3,782.69 3,608.98
Sponsor Banks 86.07 -
Others 19.86 99.27
Other Liabilities 5,395.22 2,637.70
TOTAL 82,348.31 82,140.90 82,348.31 82,140.90
Interest on Deposits 3,204.12 3,176.87 Interest on Advances 2,260.41 2,103.83
Interest on RBI/Inter Bk. Funds 6.64 - Interest on Investments & Bank Balances 2,623.68 3,004.33
Interest on Others - - Commission 171.39 135.73
Wage Bill 1,741.53 1,512.07 Other Income 949.56 961.05
Other Operating Expenses 550.08 575.40
Provisions and Contingencies 496.60 611.89
Income over Expenditure 6.07 328.71 Exp. Over Income - -
TOTAL 6,005.04 6,204.94 6,005.04 6,204.94
Per Branch Productivity 3,022.06 2,982.52 CD Ratio 27.75 21.95
Per Employee Productivity 855.30 860.34 Recovery (%) 61.28 61.28
CRAR (%) 10.01 10.25 Gross NPA (%) 5.01 5.59
Net NPA (%) 2.26 1.04
Gross loans Outstanding 19,692.63 16,104.79 Loan O/s -18.22 Fin. Return 7.00 7.08
Loans Disbursed 12,725.92 6,811.82 Deposits 3.38 Fin. Cost 4.60 4.40
Gross NPAs 987.58 899.80 Net Profit/Loss(-) 5315.32 Fin. Margin 2.40 2.68
Net NPA 433.37 160.47 Salary 2.50 2.09
Average Working Fund 69,751.51 72,186.49 Other Opt. Exp. 0.79 0.80
Net Profit/Loss (-) 6.07 328.71 Misc. Income 1.61 1.52
Gross Margin 0.72 1.30
Risk Cost 0.71 0.85
Net Margin 0.01 0.46
Financial Statements of RRBs as on 31 March 2020
ASSETS
KEY INDICATORS
TOTAL
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
EXPENDITURE INCOME
3
2019-20 Amt. in `lakh
Name of RRB: Langpi Dehangi RB* State: Assam No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 3,094.12 Cash in Hand 381.58
Reserves 4,320.48 Balances with RBI 3,249.10
Balances in Current A/c 1,413.44
Deposits 89,100.49 Balances in Deposit A/c -
Current 15,357.67 Other Investments 50,449.83
Savings 47,158.93 Loans & Advances (Net) 48,213.80
Term 26,583.89 Fixed Assets 524.85
Borrowings 4,566.16 Other Assets 1,889.34
NABARD 4,333.02 Accumulated Losses -
Sponsor Banks 106.25
Others 126.89
Other Liabilities 5,040.69
TOTAL 1,06,121.94 1,06,121.94
Interest on Deposits 3,278.19 Interest on Advances 5,202.34
Interest on RBI/Inter Bk. Funds 214.18 Interest on Investments & Bank Balances 2,534.35
Interest on Others 10.74 Commission 661.15
Wage Bill 3,606.87 Other Income 146.89
Other Operating Expenses 923.29
Provisions and Contingencies 344.15
Income over Expenditure 167.31 Exp. Over Income -
TOTAL 8,544.73 8,544.73
Per Branch Productivity 2,339.20 CD Ratio 54.90
Per Employee Productivity 766.74 Recovery (%) 80.19
CRAR (%) 12.77 Gross NPA (%) 2.28
Net NPA (%) 0.90
Gross loans Outstanding 48,912.11 Loan O/s Fin. Return 8.66
Loans Disbursed 27,239.73 Deposits Fin. Cost 3.92
Gross NPAs 1,116.37 Net Profit/Loss(-) Fin. Margin 4.74
Net NPA 435.00 Salary 4.04
Average Working Fund 89,299.70 Other Opt. Exp. 1.03
Net Profit/Loss (-) 167.31 Misc. Income 0.90
Gross Margin 0.57
Risk Cost 0.39
Net Margin 0.19
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
*Langpi Dehangi RB (SBI) and Assam GVB (United BoI) amalgamated to form Assam Gramin Vikash Bank (United BoI) from 1 Apr 2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
4
2019-20 Amt. in `lakh
Name of RRB: Ellaquai Dehati Bank State: Jammu & Kashmir No. of Districts: 13
No of Branches : 116 No. of Staff : 329 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 20,831.98 21,615.43 Cash in Hand 229.11 251.49
Reserves - - Balances with RBI 4,372.56 4,645.02
Balances in Current A/c 1,243.51 3,588.61
Deposits 1,03,758.80 1,09,999.16 Balances in Deposit A/c 15,589.71 17,474.75
Current 2,021.59 2,376.03 Other Investments 51,696.54 50,047.47
Savings 46,709.16 48,217.62 Loans & Advances (Net) 38,140.07 40,272.09
Term 55,028.05 59,405.51 Fixed Assets 271.38 379.87
Borrowings 1,049.76 703.41 Other Assets 5,170.69 4,303.93
NABARD 1,049.76 292.48 Accumulated Losses 18,868.02 23,574.59
Sponsor Banks - -
Others - 410.93
Other Liabilities 9,941.05 12,219.82
TOTAL 1,35,581.59 1,44,537.82 1,35,581.59 1,44,537.82
Interest on Deposits 5,410.67 5,817.31 Interest on Advances 3,863.16 3,193.59
Interest on RBI/Inter Bk. Funds 132.30 55.08 Interest on Investments & Bank Balances 5,175.41 5,526.33
Interest on Others - - Commission 401.23 295.55
Wage Bill 3,605.00 3,592.47 Other Income 34.37 76.61
Other Operating Expenses 1,152.37 1,035.33
Provisions and Contingencies 911.76 3,298.46
Income over Expenditure - - Exp. Over Income 1,737.93 4,706.57
TOTAL 11,212.10 13,798.65 11,212.10 13,798.65
Per Branch Productivity 1,237.58 1,325.73 CD Ratio 39.55 39.81
Per Employee Productivity 409.03 467.43 Recovery (%) 74.14 72.55
CRAR (%) 5.50 -4.02 Gross NPA (%) 17.27 22.15
Net NPA (%) 10.98 15.36
Gross loans Outstanding 41,038.11 43,785.22 Loan O/s 6.69 Fin. Return 8.01 6.05
Loans Disbursed 32,607.72 36,014.90 Deposits 6.01 Fin. Cost 4.91 4.07
Gross NPAs 7,086.44 9,697.35 Net Profit/Loss(-) -170.81 Fin. Margin 3.10 1.97
Net NPA 4,188.40 6,184.22 Salary 3.20 2.49
Average Working Fund 1,12,777.00 1,44,234.00 Other Opt. Exp. 1.02 0.72
Net Profit/Loss (-) -1,737.93 -4,706.57 Misc. Income 0.39 0.26
Gross Margin -0.73 -0.98
Risk Cost 0.81 2.29
Net Margin -1.54 -3.26
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
5
2019-20 Amt. in `lakh
Name of RRB: Manipur Rural Bank State: Manipur No. of Districts: 10
No of Branches : 27 No. of Staff : 97 Sponsor Bank: United BoI
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 5,388.03 5,856.03 Cash in Hand 67.25 90.02
Reserves 1.22 1.22 Balances with RBI 1,186.84 1,191.84
Balances in Current A/c 3,599.62 2,561.36
Deposits 29,542.71 31,380.30 Balances in Deposit A/c 3,331.64 4,646.18
Current 4,461.47 4,208.54 Other Investments 12,389.57 10,198.07
Savings 17,858.71 19,351.68 Loans & Advances (Net) 13,625.93 15,306.32
Term 7,222.53 7,820.08 Fixed Assets 100.05 173.71
Borrowings 3,635.79 2,917.95 Other Assets 393.17 3,441.14
NABARD 1,431.74 643.95 Accumulated Losses 4,867.49 5,143.39
Sponsor Banks 2,030.05 2,100.00
Others 174.00 174.00
Other Liabilities 993.81 2,596.53
TOTAL 39,561.56 42,752.03 39,561.56 42,752.03
Interest on Deposits 1,048.09 1,095.05 Interest on Advances 1,300.86 1,381.59
Interest on RBI/Inter Bk. Funds 126.16 87.49 Interest on Investments & Bank Balances 1,160.34 1,055.71
Interest on Others - - Commission 22.28 37.26
Wage Bill 861.72 1,622.89 Other Income 414.69 747.69
Other Operating Expenses 373.40 488.09
Provisions and Contingencies 675.07 204.63
Income over Expenditure - - Exp. Over Income 186.27 275.90
TOTAL 3,084.44 3,498.15 3,084.44 3,498.15
Per Branch Productivity 1,691.86 1,766.90 CD Ratio 48.90 52.03
Per Employee Productivity 407.30 491.82 Recovery (%) 71.66 70.12
CRAR (%) 5.47 6.12 Gross NPA (%) 20.68 19.76
Net NPA (%) 15.91 14.41
Gross loans Outstanding 14,445.55 16,325.95 Loan O/s 13.02 Fin. Return 7.67 7.28
Loans Disbursed 5,628.87 5,728.94 Deposits 6.22 Fin. Cost 3.66 3.53
Gross NPAs 2,988.01 3,225.67 Net Profit/Loss(-) 48.12 Fin. Margin 4.01 3.75
Net NPA 2,168.38 2,206.04 Salary 2.68 4.85
Average Working Fund 32,104.83 33,490.37 Other Opt. Exp. 1.16 1.46
Net Profit/Loss (-) -186.27 -275.90 Misc. Income 1.36 2.34
Gross Margin 1.52 -0.21
Risk Cost 2.10 0.61
Net Margin -0.58 -0.82
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
6
2019-20 Amt. in `lakh
Name of RRB: Meghalaya Rural Bank State: Meghalaya No. of Districts: 11
No of Branches : 90 No. of Staff : 399 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 259.76 259.76 Cash in Hand 1,002.62 1,202.57
Reserves 16,021.70 16,076.13 Balances with RBI 8,816.84 9,416.84
Balances in Current A/c 8,802.97 7,532.97
Deposits 2,13,625.97 2,26,588.64 Balances in Deposit A/c 96,723.72 1,01,632.10
Current 15,580.37 11,484.61 Other Investments 51,509.60 53,942.00
Savings 1,32,593.06 1,43,472.49 Loans & Advances (Net) 65,783.85 69,628.02
Term 65,452.54 71,631.54 Fixed Assets 625.41 792.03
Borrowings 3,016.95 3,709.12 Other Assets 10,000.66 12,989.00
NABARD 2,828.63 3,175.31 Accumulated Losses - -
Sponsor Banks - -
Others 188.32 533.81
Other Liabilities 10,341.29 10,501.88
TOTAL 2,43,265.67 2,57,135.53 2,43,265.67 2,57,135.53
Interest on Deposits 8,597.11 9,594.65 Interest on Advances 6,773.85 6,700.19
Interest on RBI/Inter Bk. Funds 139.87 151.31 Interest on Investments & Bank Balances 10,245.64 10,887.75
Interest on Others - 4.76 Commission 181.11 168.04
Wage Bill 3,111.11 4,650.87 Other Income 924.97 1,004.46
Other Operating Expenses 3,303.20 1,403.19
Provisions and Contingencies 2,893.77 2,901.23
Income over Expenditure 80.51 54.43 Exp. Over Income - -
TOTAL 18,125.57 18,760.44 18,125.57 18,760.44
Per Branch Productivity 3,020.32 3,360.58 CD Ratio 32.90 33.48
Per Employee Productivity 715.14 758.02 Recovery (%) 72.33 74.26
CRAR (%) 16.81 14.61 Gross NPA (%) 11.87 11.59
Net NPA (%) 5.84 3.67
Gross loans Outstanding 70,284.30 75,863.31 Loan O/s 7.94 Fin. Return 7.81 6.81
Loans Disbursed 40,156.23 33,158.69 Deposits 6.07 Fin. Cost 4.01 3.78
Gross NPAs 8,341.26 8,789.80 Net Profit/Loss(-) -32.39 Fin. Margin 3.80 3.03
Net NPA 3,840.81 2,554.50 Salary 1.43 1.80
Average Working Fund 2,17,884.78 2,58,276.31 Other Opt. Exp. 1.52 0.54
Net Profit/Loss (-) 80.51 54.43 Misc. Income 0.51 0.45
Gross Margin 1.37 1.14
Risk Cost 1.33 1.12
Net Margin 0.04 0.02
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
7
2019-20 Amt. in `lakh
Name of RRB: Mizoram Rural Bank State: Mizoram No. of Districts: 11
No of Branches : 85 No. of Staff : 456 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 3,103.82 3,103.82 Cash in Hand 4,851.60 6,372.13
Reserves 12,301.66 13,633.19 Balances with RBI 10,241.98 10,696.98
Balances in Current A/c 2,106.77 4,192.59
Deposits 2,59,504.92 3,47,812.51 Balances in Deposit A/c 76,725.00 1,36,375.00
Current 10,079.69 10,366.18 Other Investments 71,453.38 79,198.83
Savings 1,55,670.74 1,97,305.67 Loans & Advances (Net) 1,23,101.50 1,53,543.15
Term 93,754.49 1,40,140.66 Fixed Assets 2,457.42 2,783.49
Borrowings 17,906.38 28,769.68 Other Assets 13,908.85 19,227.46
NABARD 12,522.07 18,092.28 Accumulated Losses - -
Sponsor Banks 173.04 -
Others 5,211.27 10,677.40
Other Liabilities 12,029.72 19,070.43
TOTAL 3,04,846.50 4,12,389.63 3,04,846.50 4,12,389.63
Interest on Deposits 11,710.34 14,224.33 Interest on Advances 12,397.73 15,195.62
Interest on RBI/Inter Bk. Funds 789.68 961.43 Interest on Investments & Bank Balances 9,513.02 14,249.54
Interest on Others - - Commission 849.44 984.49
Wage Bill 2,823.91 7,091.73 Other Income 1,564.05 591.67
Other Operating Expenses 4,849.68 3,350.20
Provisions and Contingencies 3,308.43 4,062.11
Income over Expenditure 842.20 1,331.52 Exp. Over Income - -
TOTAL 24,324.24 31,021.32 24,324.24 31,021.32
Per Branch Productivity 4,501.25 5,898.30 CD Ratio 47.44 44.15
Per Employee Productivity 915.33 1,099.46 Recovery (%) 83.12 86.85
CRAR (%) 10.95 9.80 Gross NPA (%) 5.22 5.19
Net NPA (%) 2.05 1.41
Gross loans Outstanding 1,23,101.50 1,53,543.15 Loan O/s 24.73 Fin. Return 8.79 8.19
Loans Disbursed 44,404.92 73,626.36 Deposits 34.03 Fin. Cost 5.02 4.22
Gross NPAs 6,428.53 7,963.92 Net Profit/Loss(-) 58.10 Fin. Margin 3.78 3.96
Net NPA 2,524.95 2,171.51 Salary 1.13 1.97
Average Working Fund 2,49,130.59 3,59,737.30 Other Opt. Exp. 1.95 0.93
Net Profit/Loss (-) 842.20 1,331.52 Misc. Income 0.97 0.44
Gross Margin 1.67 1.50
Risk Cost 1.33 1.13
Net Margin 0.34 0.37
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
8
2019-20 Amt. in `lakh
Name of RRB: Nagaland Rural Bank State: Nagaland No. of Districts: 5
No of Branches : 10 No. of Staff : 32 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 1,554.80 1,691.75 Cash in Hand 59.35 82.97
Reserves - - Balances with RBI 402.22 444.22
Balances in Current A/c 973.79 396.48
Deposits 10,092.78 11,386.82 Balances in Deposit A/c 2,853.15 4,543.53
Current 731.15 1,278.48 Other Investments 3,223.45 2,620.82
Savings 5,497.26 6,128.08 Loans & Advances (Net) 2,873.40 3,298.07
Term 3,864.37 3,980.26 Fixed Assets 37.19 54.94
Borrowings - 34.48 Other Assets 1,026.68 983.97
NABARD - - Accumulated Losses 1,319.00 1,643.20
Sponsor Banks - -
Others - 34.48
Other Liabilities 1,120.65 955.15
TOTAL 12,768.23 14,068.20 12,768.23 14,068.20
Interest on Deposits 398.05 432.02 Interest on Advances 305.00 327.02
Interest on RBI/Inter Bk. Funds - - Interest on Investments & Bank Balances 498.54 518.39
Interest on Others - - Commission 13.64 23.30
Wage Bill 291.48 312.45 Other Income 8.36 3.49
Other Operating Expenses 148.46 128.45
Provisions and Contingencies 111.44 323.48
Income over Expenditure - - Exp. Over Income 123.89 324.20
TOTAL 949.43 1,196.40 949.43 1,196.40
Per Branch Productivity 1,306.24 1,477.60 CD Ratio 29.42 29.76
Per Employee Productivity 353.04 461.75 Recovery (%) 74.54 78.93
CRAR (%) 6.05 1.95 Gross NPA (%) 5.15 4.14
Net NPA (%) 3.33 2.37
Gross loans Outstanding 2,969.63 3,389.14 Loan O/s 14.13 Fin. Return 7.82 7.47
Loans Disbursed 1,346.50 1,366.08 Deposits 12.82 Fin. Cost 3.87 3.82
Gross NPAs 152.97 140.23 Net Profit/Loss(-) -161.68 Fin. Margin 3.95 3.65
Net NPA 95.81 78.09 Salary 2.84 2.76
Average Working Fund 10,275.66 11,321.45 Other Opt. Exp. 1.44 1.13
Net Profit/Loss (-) -123.89 -324.20 Misc. Income 0.21 0.24
Gross Margin -0.12 -0.01
Risk Cost 1.08 2.86
Net Margin -1.21 -2.86
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
9
2019-20 Amt. in `lakh
Name of RRB: Pandyan Grama Bank* State: Tamil Nadu No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: I.O.B.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 4,039.67 Cash in Hand 3,973.45
Reserves 67,194.00 Balances with RBI 25,607.12
Balances in Current A/c 3,865.11
Deposits 6,15,526.26 Balances in Deposit A/c 2,06,500.00
Current 4,880.49 Other Investments 2,73,567.61
Savings 1,82,595.74 Loans & Advances (Net) 4,04,367.00
Term 4,28,050.03 Fixed Assets 2,118.92
Borrowings 2,67,821.22 Other Assets 66,171.81
NABARD 2,63,310.30 Accumulated Losses -
Sponsor Banks -
Others 4,510.92
Other Liabilities 31,589.87
TOTAL 9,86,171.02 9,86,171.02
Interest on Deposits 37,297.45 Interest on Advances 55,950.18
Interest on RBI/Inter Bk. Funds 26,328.64 Interest on Investments & Bank Balances 33,650.45
Interest on Others - Commission 4,188.04
Wage Bill 15,410.68 Other Income 6,761.49
Other Operating Expenses 6,704.65
Provisions and Contingencies 7,476.50
Income over Expenditure 7,332.24 Exp. Over Income -
TOTAL 1,00,550.16 1,00,550.16
Per Branch Productivity 3,589.81 CD Ratio 97.71
Per Employee Productivity 872.99 Recovery (%) 98.05
CRAR (%) 19.88 Gross NPA (%) 1.35
Net NPA (%) 0.55
Gross loans Outstanding 6,01,420.14 Loan O/s Fin. Return 8.03
Loans Disbursed 6,84,041.29 Deposits Fin. Cost 5.70
Gross NPAs 8,127.26 Net Profit/Loss(-) Fin. Margin 2.33
Net NPA 2,225.68 Salary 1.38
Average Working Fund 11,15,732.62 Other Opt. Exp. 0.60
Net Profit/Loss (-) 7,332.24 Misc. Income 0.98
Gross Margin 1.33
Risk Cost 0.67
Net Margin 0.66
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
* Pandyan Grama Bank (IoB) & Pallavan Grama Bank (Indian bank) amalgamated to form Tamil Nadu Grama Bank w.e.f 1 April 2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
10
2019-20 Amt. in `lakh
Name of RRB: Puduvai Bharathiyar GB State/UT: Puducherry No. of Districts: 2
No of Branches : 43 No. of Staff : 120 Sponsor Bank: Indian Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 1,350.00 1,350.00 Cash in Hand 331.67 318.20
Reserves 4,235.44 4,847.34 Balances with RBI 2,710.01 3,200.02
Balances in Current A/c 353.08 338.35
Deposits 68,077.85 80,413.53 Balances in Deposit A/c 4,637.85 7,351.31
Current 1,172.31 562.91 Other Investments 12,673.84 15,266.70
Savings 16,297.84 18,509.47 Loans & Advances (Net) 61,285.66 66,969.57
Term 50,607.70 61,341.15 Fixed Assets 422.59 275.07
Borrowings 11,332.05 9,333.62 Other Assets 3,233.09 3,004.61
NABARD 11,284.39 9,333.62 Accumulated Losses - -
Sponsor Banks 32.66 -
Others 15.00 -
Other Liabilities 652.45 779.34
TOTAL 85,647.79 96,723.83 85,647.79 96,723.83
Interest on Deposits 3,871.34 4,749.67 Interest on Advances 5,485.45 6,162.76
Interest on RBI/Inter Bk. Funds 744.06 648.20 Interest on Investments & Bank Balances 1,165.44 1,364.94
Interest on Others - - Commission 37.39 37.18
Wage Bill 827.66 1,034.18 Other Income 938.82 1,059.04
Other Operating Expenses 1,118.85 743.09
Provisions and Contingencies 319.93 836.88
Income over Expenditure 745.26 611.90 Exp. Over Income - -
TOTAL 7,627.10 8,623.92 7,627.10 8,623.92
Per Branch Productivity 3,027.93 3,458.08 CD Ratio 91.25 84.92
Per Employee Productivity 1,205.57 1,239.15 Recovery (%) 92.23 91.67
CRAR (%) 12.38 12.08 Gross NPA (%) 1.35 1.92
Net NPA (%) 0.00 0.00
Gross loans Outstanding 62,123.32 68,283.96 Loan O/s 9.92 Fin. Return 8.29 8.29
Loans Disbursed 70,399.13 77,205.23 Deposits 18.12 Fin. Cost 5.76 5.94
Gross NPAs 837.65 1,314.39 Net Profit/Loss(-) -17.89 Fin. Margin 2.54 2.34
Net NPA - - Salary 1.03 1.14
Average Working Fund 80,186.45 90,857.98 Other Opt. Exp. 1.40 0.82
Net Profit/Loss (-) 745.26 611.90 Misc. Income 1.22 1.21
Gross Margin 1.33 1.59
Risk Cost 0.40 0.92
Net Margin 0.93 0.67
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
11
2019-20 Amt. in `lakh
Name of RRB: Tripura Gramin Bank State: Tripura No. of Districts: 8
No of Branches : 148 No. of Staff : 801 Sponsor Bank: United BoI
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 26,561.00 26,561.00 Cash in Hand 2,699.33 4,135.87
Reserves 45,348.89 61,136.31 Balances with RBI 26,122.63 30,396.77
Balances in Current A/c 69,894.20 98,414.27
Deposits 6,69,176.76 7,19,050.20 Balances in Deposit A/c 64,010.56 65,164.47
Current 19,955.18 22,331.63 Other Investments 4,26,653.48 4,53,418.60
Savings 3,50,219.14 3,64,601.56 Loans & Advances (Net) 2,57,568.19 2,74,563.33
Term 2,99,002.44 3,32,117.01 Fixed Assets 529.81 1,101.01
Borrowings 88,292.84 90,337.37 Other Assets 58,256.20 57,061.85
NABARD 22,404.25 25,871.06 Accumulated Losses - -
Sponsor Banks 60,025.05 60,008.77
Others 5,863.54 4,457.54
Other Liabilities 76,354.91 87,171.29
TOTAL 9,05,734.40 9,84,256.17 9,05,734.40 9,84,256.17
Interest on Deposits 29,902.85 36,500.16 Interest on Advances 22,960.64 25,396.78
Interest on RBI/Inter Bk. Funds 1,694.61 1,486.98 Interest on Investments & Bank Balances 31,906.58 32,478.39
Interest on Others 1,816.34 1,038.73 Commission 441.11 439.15
Wage Bill 6,661.57 6,616.72 Other Income 10,727.54 16,899.53
Other Operating Expenses 3,168.69 7,981.64
Provisions and Contingencies 10,247.05 5,802.20
Income over Expenditure 12,544.76 15,787.42 Exp. Over Income - -
TOTAL 66,035.87 75,213.85 66,035.87 75,213.85
Per Branch Productivity 6,261.79 6,713.60 CD Ratio 38.49 38.18
Per Employee Productivity 1,065.22 1,240.47 Recovery (%) 72.01 72.82
CRAR (%) 18.40 21.89 Gross NPA (%) 8.95 8.92
Net NPA (%) 0.00 0.00
Gross loans Outstanding 2,57,568.19 2,74,563.33 Loan O/s 6.60 Fin. Return 7.09 6.93
Loans Disbursed 1,31,989.12 3,77,707.86 Deposits 7.45 Fin. Cost 4.32 4.67
Gross NPAs 23,041.30 24,477.93 Net Profit/Loss(-) 25.85 Fin. Margin 2.77 2.26
Net NPA - - Salary 0.86 0.79
Average Working Fund 7,73,370.76 8,35,123.70 Other Opt. Exp. 0.41 0.96
Net Profit/Loss (-) 12,544.76 15,787.42 Misc. Income 1.44 2.08
Gross Margin 2.95 2.59
Risk Cost 1.32 0.69
Net Margin 1.62 1.89
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
12
2019-20 Amt. in `lakh
Name of RRB: Prathama Bank* State: Uttar Pradesh No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: Syndicate Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 874.76 Cash in Hand 4,096.75
Reserves 68,382.29 Balances with RBI 27,287.61
Balances in Current A/c 712.01
Deposits 7,23,013.14 Balances in Deposit A/c 10,799.76
Current 16,824.01 Other Investments 2,43,257.57
Savings 5,02,117.09 Loans & Advances (Net) 6,07,317.41
Term 2,04,072.04 Fixed Assets 2,234.80
Borrowings 1,19,334.38 Other Assets 47,946.91
NABARD 1,16,603.79 Accumulated Losses -
Sponsor Banks 55.81
Others 2,674.78
Other Liabilities 32,048.25
TOTAL 9,43,652.82 9,43,652.82
Interest on Deposits 35,976.60 Interest on Advances 51,528.37
Interest on RBI/Inter Bk. Funds 9,785.52 Interest on Investments & Bank Balances 23,845.34
Interest on Others 87.62 Commission 3,803.81
Wage Bill 31,858.04 Other Income 7,522.50
Other Operating Expenses 10,199.93
Provisions and Contingencies 25,115.19
Income over Expenditure - Exp. Over Income 26,322.88
TOTAL 1,13,022.90 1,13,022.90
Per Branch Productivity 3,316.16 CD Ratio 89.43
Per Employee Productivity 632.60 Recovery (%) 65.71
CRAR (%) 9.97 Gross NPA (%) 11.53
Net NPA (%) 5.82
Gross loans Outstanding 6,46,560.91 Loan O/s Fin. Return 7.46
Loans Disbursed 5,86,467.51 Deposits Fin. Cost 4.54
Gross NPAs 74,569.31 Net Profit/Loss(-) Fin. Margin 2.92
Net NPA 35,325.83 Salary 3.16
Average Working Fund 10,09,708.19 Other Opt. Exp. 1.01
Net Profit/Loss (-) -26,322.88 Misc. Income 1.12
Gross Margin -0.12
Risk Cost 2.49
Net Margin -2.61
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
* Prathama Bank (Syndicate Bank) & Sarva U.P GB (PNB) amalgamated to form Prathama U.P Gramin Bank (PNB) w.e.f 1 April 2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
13
2019-20 Amt. in `lakh
Name of RRB: Uttar Banga KGB State: West Bengal No. of Districts: 5
No of Branches : 142 No. of Staff : 505 Sponsor Bank: C.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 9,079.13 9,079.13 Cash in Hand 1,376.28 1,890.26
Reserves 4,912.20 5,185.30 Balances with RBI 11,998.53 12,998.53
Balances in Current A/c 15,986.88 5,527.22
Deposits 3,01,495.89 3,29,639.83 Balances in Deposit A/c 41,160.50 1,02,166.73
Current 4,301.23 4,830.69 Other Investments 1,06,964.42 69,711.14
Savings 1,80,006.30 2,00,729.34 Loans & Advances (Net) 1,59,503.65 1,87,692.10
Term 1,17,188.36 1,24,079.80 Fixed Assets 382.18 352.85
Borrowings 25,315.73 40,820.64 Other Assets 11,595.58 11,175.74
NABARD 25,315.73 39,616.64 Accumulated Losses - -
Sponsor Banks - -
Others - 1,204.00
Other Liabilities 8,165.07 6,789.67
TOTAL 3,48,968.02 3,91,514.57 3,48,968.02 3,91,514.57
Interest on Deposits 13,352.26 14,363.28 Interest on Advances 15,251.83 18,656.46
Interest on RBI/Inter Bk. Funds 830.56 1,339.16 Interest on Investments & Bank Balances 9,590.11 9,201.51
Interest on Others - - Commission 221.47 257.52
Wage Bill 3,687.23 4,118.34 Other Income 2,028.18 3,827.74
Other Operating Expenses 6,015.05 4,294.68
Provisions and Contingencies 2,108.98 7,751.08
Income over Expenditure 1,097.51 76.69 Exp. Over Income - -
TOTAL 27,091.59 31,943.23 27,091.59 31,943.23
Per Branch Productivity 3,329.88 3,711.96 CD Ratio 56.83 59.90
Per Employee Productivity 897.24 1,043.76 Recovery (%) 78.93 58.76
CRAR (%) 11.21 9.74 Gross NPA (%) 9.24 6.73
Net NPA (%) 2.51 1.88
Gross loans Outstanding 1,71,347.01 1,97,458.21 Loan O/s 15.24 Fin. Return 7.28 7.54
Loans Disbursed 1,05,800.60 1,23,806.66 Deposits 9.33 Fin. Cost 4.16 4.25
Gross NPAs 15,840.22 13,293.43 Net Profit/Loss(-) -93.01 Fin. Margin 3.12 3.29
Net NPA 3,997.00 3,527.33 Salary 1.08 1.12
Average Working Fund 3,41,101.87 3,69,296.49 Other Opt. Exp. 1.76 1.16
Net Profit/Loss (-) 1,097.51 76.69 Misc. Income 0.66 1.11
Gross Margin 0.94 2.12
Risk Cost 0.62 2.10
Net Margin 0.32 0.02
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
14
PART IIRRB-WISE STATEMENTSAMALGAMATED RRBs
15
2019-20 Amt. in `lakh
Name of RRB: Andhra Pragati GB State: Andhra Pradesh No. of Districts: 5
No of Branches : 552 No. of Staff : 2656 Sponsor Bank: Syndicate Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 4,234.26 4,234.26 Cash in Hand 10,780.48 7,494.96
Reserves 2,16,743.23 2,44,879.84 Balances with RBI 76,431.26 43,997.96
Balances in Current A/c 7,696.25 65,801.75
Deposits 14,32,478.17 16,15,070.99 Balances in Deposit A/c 49,525.00 2,27,025.00
Current 80,411.30 57,744.69 Other Investments 4,83,208.60 4,46,979.13
Savings 4,61,932.89 4,61,619.79 Loans & Advances (Net) 13,68,646.80 15,11,784.20
Term 8,90,133.98 10,95,706.51 Fixed Assets 4,776.26 4,355.71
Borrowings 3,52,743.01 4,47,613.49 Other Assets 48,931.79 1,03,342.56
NABARD 3,48,410.77 3,95,272.94 Accumulated Losses - -
Sponsor Banks 1,427.58 49,999.80
Others 2,904.66 2,340.75
Other Liabilities 43,797.77 98,982.69
TOTAL 20,49,996.44 24,10,781.27 20,49,996.44 24,10,781.27
Interest on Deposits 75,044.37 86,113.86 Interest on Advances 1,27,772.77 1,47,320.74
Interest on RBI/Inter Bk. Funds 20,645.23 21,368.28 Interest on Investments & Bank Balances 39,987.41 40,259.12
Interest on Others - - Commission 1,016.11 1,065.02
Wage Bill 44,345.28 54,638.14 Other Income 25,333.40 34,577.42
Other Operating Expenses 11,489.41 11,945.11
Provisions and Contingencies 19,467.30 21,020.30
Income over Expenditure 23,118.10 28,136.61 Exp. Over Income - -
TOTAL 1,94,109.69 2,23,222.30 1,94,109.69 2,23,222.30
Per Branch Productivity 5,124.22 5,714.31 CD Ratio 97.46 95.30
Per Employee Productivity 1,085.41 1,187.61 Recovery (%) 83.05 84.07
CRAR (%) 17.98 17.75 Gross NPA (%) 1.97 1.67
Net NPA (%) 0.00 0.00
Gross loans Outstanding 13,96,092.35 15,39,229.75 Loan O/s 10.25 Fin. Return 8.76 8.95
Loans Disbursed 11,25,815.57 13,49,592.69 Deposits 12.75 Fin. Cost 4.99 5.13
Gross NPAs 27,445.54 25,737.13 Net Profit/Loss(-) 21.71 Fin. Margin 3.76 3.82
Net NPA - - Salary 2.31 2.61
Average Working Fund 19,15,997.00 20,94,829.00 Other Opt. Exp. 0.60 0.57
Net Profit/Loss (-) 23,118.10 28,136.61 Misc. Income 1.38 1.70
Gross Margin 2.22 2.35
Risk Cost 1.02 1.00
Net Margin 1.21 1.34
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
16
2019-20 Amt. in `lakh
Name of RRB: Chaitanya Godavari GB State: Andhra Pradesh No. of Districts: 3
No of Branches : 220 No. of Staff : 1062 Sponsor Bank: Andhra Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 744.22 744.22 Cash in Hand 9,987.76 7,079.72
Reserves 42,676.02 49,740.25 Balances with RBI 17,314.00 21,060.90
Balances in Current A/c 8,763.62 13,400.85
Deposits 4,45,776.88 5,37,971.34 Balances in Deposit A/c 39,135.06 69,011.57
Current 10,719.96 11,257.77 Other Investments 1,33,267.77 1,32,219.59
Savings 1,35,474.61 1,58,369.07 Loans & Advances (Net) 4,58,226.26 4,99,143.46
Term 2,99,582.31 3,68,344.50 Fixed Assets 1,661.45 1,607.02
Borrowings 1,85,808.12 1,76,227.71 Other Assets 46,311.46 43,704.40
NABARD 1,81,540.40 1,75,661.31 Accumulated Losses - -
Sponsor Banks 1.49 1.49
Others 4,266.23 564.91
Other Liabilities 39,662.14 22,543.99
TOTAL 7,14,667.38 7,87,227.51 7,14,667.38 7,87,227.51
Interest on Deposits 24,744.22 31,071.51 Interest on Advances 49,961.42 53,888.03
Interest on RBI/Inter Bk. Funds 11,107.60 9,192.37 Interest on Investments & Bank Balances 9,290.81 11,546.71
Interest on Others 2,529.95 2,600.75 Commission 375.62 294.32
Wage Bill 9,893.31 11,361.92 Other Income 5,208.75 6,206.88
Other Operating Expenses 4,203.34 4,116.60
Provisions and Contingencies 5,708.39 6,528.56
Income over Expenditure 6,649.79 7,064.23 Exp. Over Income - -
TOTAL 64,836.60 71,935.94 64,836.60 71,935.94
Per Branch Productivity 4,165.38 4,734.73 CD Ratio 103.70 93.62
Per Employee Productivity 931.34 980.83 Recovery (%) 81.15 82.54
CRAR (%) 10.32 11.50 Gross NPA (%) 1.01 1.12
Net NPA (%) 0.14 0.23
Gross loans Outstanding 4,62,275.03 5,03,668.46 Loan O/s 8.95 Fin. Return 8.86 8.72
Loans Disbursed 4,27,775.11 4,48,696.51 Deposits 20.68 Fin. Cost 5.74 5.71
Gross NPAs 4,677.11 5,650.40 Net Profit/Loss(-) 6.23 Fin. Margin 3.12 3.01
Net NPA 628.34 1,125.40 Salary 1.48 1.51
Average Working Fund 6,68,479.61 7,50,528.91 Other Opt. Exp. 0.63 0.55
Net Profit/Loss (-) 6,649.79 7,064.23 Misc. Income 0.84 0.87
Gross Margin 1.85 1.81
Risk Cost 0.85 0.87
Net Margin 0.99 0.94
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
17
2019-20 Amt. in `lakh
Name of RRB: Saptagiri GB State: Andhra Pradesh No. of Districts: 2
No of Branches : 223 No. of Staff : 889 Sponsor Bank: Indian Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 1,777.05 1,777.05 Cash in Hand 4,655.32 4,211.16
Reserves 63,335.44 76,393.75 Balances with RBI 20,176.76 21,150.62
Balances in Current A/c 5,458.02 4,886.13
Deposits 5,75,055.49 6,52,346.34 Balances in Deposit A/c 1,78,420.58 3,22,387.64
Current 5,200.79 3,298.44 Other Investments 97,443.52 94,358.47
Savings 1,46,361.62 1,55,650.63 Loans & Advances (Net) 5,26,914.77 5,36,491.82
Term 4,23,493.08 4,93,397.27 Fixed Assets 2,001.92 1,768.69
Borrowings 1,81,952.80 2,57,002.27 Other Assets 33,947.97 35,287.79
NABARD 1,80,258.40 2,55,477.46 Accumulated Losses - -
Sponsor Banks - 0.01
Others 1,694.40 1,524.80
Other Liabilities 46,898.08 33,022.91
TOTAL 8,69,018.86 10,20,542.32 8,69,018.86 10,20,542.32
Interest on Deposits 35,074.29 39,315.23 Interest on Advances 54,965.39 62,240.14
Interest on RBI/Inter Bk. Funds 13,431.90 12,656.23 Interest on Investments & Bank Balances 22,156.36 25,695.66
Interest on Others - 3,171.07 Commission 296.06 159.93
Wage Bill 6,486.50 12,943.90 Other Income 4,949.60 6,103.56
Other Operating Expenses 4,328.99 3,745.48
Provisions and Contingencies 12,920.38 9,309.07
Income over Expenditure 10,125.35 13,058.31 Exp. Over Income - -
TOTAL 82,367.41 94,199.29 82,367.41 94,199.29
Per Branch Productivity 5,008.96 5,373.06 CD Ratio 91.63 83.67
Per Employee Productivity 1,205.66 1,347.80 Recovery (%) 89.95 90.29
CRAR (%) 12.76 14.09 Gross NPA (%) 1.81 1.71
Net NPA (%) 0.00 0.00
Gross loans Outstanding 5,26,914.77 5,45,845.81 Loan O/s 3.59 Fin. Return 11.03 10.96
Loans Disbursed 5,71,156.00 6,56,257.00 Deposits 13.44 Fin. Cost 6.94 6.87
Gross NPAs 9,526.04 9,353.99 Net Profit/Loss(-) 28.97 Fin. Margin 4.09 4.09
Net NPA - - Salary 0.93 1.61
Average Working Fund 6,98,971.00 8,02,156.00 Other Opt. Exp. 0.62 0.47
Net Profit/Loss (-) 10,125.35 13,058.31 Misc. Income 0.75 0.78
Gross Margin 3.30 2.79
Risk Cost 1.85 1.16
Net Margin 1.45 1.63
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
18
2019-20 Amt. in `lakh
Name of RRB: Assam GVB (Old)* State: Assam No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: United BoI
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 8,963.25 Cash in Hand 5,797.27
Reserves 11,570.58 Balances with RBI 36,500.00
Balances in Current A/c 37,654.45
Deposits 9,25,746.23 Balances in Deposit A/c 1,59,860.12
Current 43,013.65 Other Investments 3,82,859.39
Savings 6,22,817.11 Loans & Advances (Net) 3,14,223.59
Term 2,59,915.47 Fixed Assets 2,975.14
Borrowings 31,059.57 Other Assets 63,226.20
NABARD 11,261.05 Accumulated Losses -
Sponsor Banks 19,730.40
Others 68.12
Other Liabilities 25,756.53
TOTAL 10,03,096.16 10,03,096.16
Interest on Deposits 39,052.79 Interest on Advances 21,857.82
Interest on RBI/Inter Bk. Funds 1,270.86 Interest on Investments & Bank Balances 35,791.03
Interest on Others - Commission 537.02
Wage Bill 14,480.76 Other Income 4,646.46
Other Operating Expenses 6,505.87
Provisions and Contingencies 6,442.82
Income over Expenditure - Exp. Over Income 4,920.77
TOTAL 67,753.10 67,753.10
Per Branch Productivity 3,116.78 CD Ratio 39.38
Per Employee Productivity 730.25 Recovery (%) 51.80
CRAR (%) 6.32 Gross NPA (%) 46.95
Net NPA (%) 38.45
Gross loans Outstanding 3,64,601.10 Loan O/s Fin. Return 6.00
Loans Disbursed 58,697.70 Deposits Fin. Cost 4.19
Gross NPAs 1,71,188.22 Net Profit/Loss(-) Fin. Margin 1.80
Net NPA 1,20,810.72 Salary 1.51
Average Working Fund 9,61,614.55 Other Opt. Exp. 0.68
Net Profit/Loss (-) -4,920.77 Misc. Income 0.54
Gross Margin 0.16
Risk Cost 0.67
Net Margin -0.51
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
*Langpi Dehangi RB (SBI) and Assam GVB (United BoI) amalgamated to form Assam Gramin Vikash Bank (United BoI) from 1 April 2019
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
19
2019-20 Amt. in `lakh
Name of RRB: Assam GVB (New) State: Assam No. of Districts: 33
No of Branches : 473 No. of Staff : 1847 Sponsor Bank: United BoI
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 16,205.37 Cash in Hand 6,185.47
Reserves 35,184.88 Balances with RBI 43,400.00
Balances in Current A/c 24,329.28
Deposits 11,11,834.93 Balances in Deposit A/c 2,60,226.30
Current 52,034.46 Other Investments 4,17,625.76
Savings 7,68,967.19 Loans & Advances (Net) 3,53,902.95
Term 2,90,833.28 Fixed Assets 3,228.16
Borrowings 8,102.14 Other Assets 59,167.88
NABARD 8,054.17 Accumulated Losses 37,162.23
Sponsor Banks -
Others 47.97
Other Liabilities 33,900.71
TOTAL 12,05,228.03 12,05,228.03
Interest on Deposits 44,961.08 Interest on Advances 24,738.89
Interest on RBI/Inter Bk. Funds 706.04 Interest on Investments & Bank Balances 41,364.45
Interest on Others - Commission 777.32
Wage Bill 44,719.05 Other Income 18,218.02
Other Operating Expenses 8,425.98
Provisions and Contingencies 5,054.94
Income over Expenditure - Exp. Over Income 18,768.41
TOTAL 1,03,867.09 1,03,867.09
Per Branch Productivity 3,205.34 CD Ratio 36.36
Per Employee Productivity 820.86 Recovery (%) 68.19
CRAR (%) 3.96 Gross NPA (%) 37.14
Net NPA (%) 28.19
Gross loans Outstanding 4,04,290.75 Loan O/s Fin. Return 6.34
Loans Disbursed 1,15,952.90 Deposits Fin. Cost 4.38
Gross NPAs 1,50,162.30 Net Profit/Loss(-) Fin. Margin 1.96
Net NPA 99,774.50 Salary 4.29
Average Working Fund 10,42,131.55 Other Opt. Exp. 0.81
Net Profit/Loss (-) -18,768.41 Misc. Income 1.82
Gross Margin -1.32
Risk Cost 0.49
Net Margin -1.80
*Langpi Dehangi RB (SBI) and Assam GVB (United BoI) amalgamated to form Assam Gramin Vikash Bank (United BoI) from 1 April 2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
20
2019-20 Amt. in `lakh
Name of RRB: Dakshin Bihar GB* State: Bihar No. of Districts: 20
No of Branches : 1078 No. of Staff : 4320 Sponsor Bank: P.N.B.
LIABILITIES 31-Mar-19 2019-20 31-Mar-19 2019-20
Share Capital 28,146.96 43,290.96 Cash in Hand 15,077.18 13,761.31
Reserves 25,848.72 25,848.71 Balances with RBI 72,359.58 80,249.96
Balances in Current A/c 22,329.32 29,666.09
Deposits 18,56,141.92 19,85,863.11 Balances in Deposit A/c 4,44,987.34 4,40,769.23
Current 88,802.38 67,712.51 Other Investments 8,06,346.67 7,40,049.54
Savings 12,16,483.31 12,83,784.76 Loans & Advances (Net) 8,48,709.00 8,90,991.85
Term 5,50,856.23 6,34,365.84 Fixed Assets 4,722.90 4,115.17
Borrowings 3,57,833.30 1,90,241.73 Other Assets 76,777.17 76,392.71
NABARD 3,29,708.43 1,80,082.51 Accumulated Losses - 22,020.28
Sponsor Banks 27,717.78 9,829.67
Others 407.09 329.55
Other Liabilities 23,338.26 52,771.63
TOTAL 22,91,309.16 22,98,016.14 22,91,309.16 22,98,016.14
Interest on Deposits 19,412.42 83,395.01 Interest on Advances 10,736.99 77,061.58
Interest on RBI/Inter Bk. Funds 5,186.93 15,380.77 Interest on Investments & Bank Balances 22,419.27 90,656.44
Interest on Others 64.65 331.65 Commission 1,238.89 3,018.01
Wage Bill 7,205.74 33,836.38 Other Income 4,897.10 11,900.35
Other Operating Expenses 4,442.31 50,448.75
Provisions and Contingencies 25,688.29 21,264.10
Income over Expenditure - - Exp. Over Income 22,708.09 22,020.28
TOTAL 62,000.34 2,04,656.66 62,000.34 2,04,656.66
Per Branch Productivity 2,609.42 2,779.77 CD Ratio 51.55 50.90
Per Employee Productivity 628.73 693.66 Recovery (%) 37.63 52.17
CRAR (%) 5.90 5.04 Gross NPA (%) 25.92 25.92
Net NPA (%) 16.49 15.96
Gross loans Outstanding 9,56,808.92 10,10,730.00 Loan O/s 5.64 Fin. Return 1.46 7.45
Loans Disbursed 10,89,744.00 10,19,659.00 Deposits 6.99 Fin. Cost 1.08 4.40
Gross NPAs 2,48,020.43 2,61,952.65 Net Profit/Loss(-) 3.03 Fin. Margin 0.37 3.05
Net NPA 1,39,920.51 1,42,214.42 Salary 0.32 1.50
Average Working Fund 22,74,447.47 22,51,865.54 Other Opt. Exp. 0.20 2.24
Net Profit/Loss (-) -22,708.09 -22,020.28 Misc. Income 0.27 0.66
Gross Margin 0.13 -0.03
Risk Cost 1.13 0.94
Net Margin -1.00 -0.98
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE# INCOME#
*Madhya Bihar GB and Bihar GB amalgamated to form Dakshin Bihar GB from 1 Jan 2019
#Income and Expenditure Pertain to the Quarter 1 Jan 2019 to 31 March 2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
21
2019-20 Amt. in `lakh
Name of RRB: Uttar Bihar GB State: Bihar No. of Districts: 18
No of Branches : 1032 No. of Staff : 3063 Sponsor Bank: C.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 45,454.37 51,576.37 Cash in Hand 8,353.78 7,199.49
Reserves 7,949.74 4,750.21 Balances with RBI 63,180.93 67,980.93
Balances in Current A/c 10,191.43 10,844.68
Deposits 15,49,984.78 16,69,908.85 Balances in Deposit A/c 2,98,050.00 3,40,660.00
Current 35,799.63 35,430.79 Other Investments 5,41,494.68 4,49,265.03
Savings 10,72,144.77 11,37,233.83 Loans & Advances (Net) 7,58,739.66 7,99,559.87
Term 4,42,040.38 4,97,244.23 Fixed Assets 4,110.98 2,261.36
Borrowings 1,53,657.38 70,040.34 Other Assets 1,04,804.06 1,80,051.77
NABARD 1,40,646.34 63,426.47 Accumulated Losses - 37,745.88
Sponsor Banks 6,650.96 613.77
Others 6,360.08 6,000.10
Other Liabilities 31,879.25 99,293.24
TOTAL 17,88,925.52 18,95,569.01 17,88,925.52 18,95,569.01
Interest on Deposits 65,649.48 66,576.42 Interest on Advances 65,558.50 75,086.65
Interest on RBI/Inter Bk. Funds 13,205.23 7,576.40 Interest on Investments & Bank Balances 67,765.02 66,150.38
Interest on Others - - Commission 2,977.44 1,463.71
Wage Bill 25,642.63 73,698.85 Other Income 5,740.16 9,237.15
Other Operating Expenses 29,031.90 23,533.67
Provisions and Contingencies 6,834.02 21,497.95
Income over Expenditure 1,677.86 - Exp. Over Income - 40,945.40
TOTAL 1,42,041.12 1,92,883.29 1,42,041.12 1,92,883.29
Per Branch Productivity 2,278.92 2,463.06 CD Ratio 51.73 52.22
Per Employee Productivity 712.25 829.86 Recovery (%) 46.85 26.10
CRAR (%) 7.31 2.88 Gross NPA (%) 27.43 22.13
Net NPA (%) 23.31 15.08
Gross loans Outstanding 8,01,862.55 8,71,965.38 Loan O/s 8.74 Fin. Return 7.98 8.22
Loans Disbursed 9,83,271.00 8,69,437.00 Deposits 7.74 Fin. Cost 4.72 4.32
Gross NPAs 2,19,950.37 1,92,982.38 Net Profit/Loss(-) -2540.33 Fin. Margin 3.26 3.90
Net NPA 1,76,827.49 1,20,576.87 Salary 1.53 4.29
Average Working Fund 16,71,090.00 17,18,307.00 Other Opt. Exp. 1.74 1.37
Net Profit/Loss (-) 1,677.86 -40,945.40 Misc. Income 0.52 0.62
Gross Margin 0.51 -1.13
Risk Cost 0.41 1.25
Net Margin 0.10 -2.38
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
22
2019-20 Amt. in `lakh
Name of RRB: Chattisgarh Rajya GB State: Chattisgarh No. of Districts: 28
No of Branches : 613 No. of Staff : 2290 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 21,589.11 21,589.11 Cash in Hand 5,009.86 5,459.17
Reserves 72,018.21 72,964.44 Balances with RBI 46,943.07 37,093.27
Balances in Current A/c 1,184.39 3,279.93
Deposits 10,51,784.30 11,33,177.20 Balances in Deposit A/c 4,97,286.86 3,34,159.99
Current 27,067.90 31,817.30 Other Investments 3,40,292.10 5,42,555.05
Savings 7,22,860.53 7,67,859.32 Loans & Advances (Net) 2,82,903.32 3,38,976.73
Term 3,01,855.87 3,33,500.58 Fixed Assets 3,045.33 3,154.28
Borrowings 62,767.28 15,062.71 Other Assets 83,571.75 42,915.58
NABARD 4,367.32 6,153.81 Accumulated Losses - -
Sponsor Banks 58,135.58 7,579.79
Others 264.38 1,329.11
Other Liabilities 52,077.78 64,800.54
TOTAL 12,60,236.68 13,07,594.00 12,60,236.68 13,07,594.00
Interest on Deposits 44,894.49 47,919.86 Interest on Advances 22,282.89 33,572.58
Interest on RBI/Inter Bk. Funds 684.61 730.65 Interest on Investments & Bank Balances 59,701.37 60,323.72
Interest on Others - - Commission 8,057.72 9,536.40
Wage Bill 28,967.84 44,851.90 Other Income 4,444.12 5,972.74
Other Operating Expenses 8,127.13 8,057.78
Provisions and Contingencies** 8,424.87 6,840.20
Income over Expenditure 3,387.16 1,005.05 Exp. Over Income - -
TOTAL 94,486.10 1,09,405.44 94,486.10 1,09,405.44
Per Branch Productivity 2,212.84 2,421.32 CD Ratio 28.97 30.98
Per Employee Productivity 571.14 648.15 Recovery (%) 80.54 82.29
CRAR (%) 21.19 22.02 Gross NPA (%) 13.65 5.54
Net NPA (%) 6.98 2.13
Gross loans Outstanding 3,04,684.62 3,51,094.83 Loan O/s 15.23 Fin. Return 6.84 7.43
Loans Disbursed 1,47,236.22 2,39,165.02 Deposits 7.74 Fin. Cost 3.80 3.85
Gross NPAs 41,591.75 19,450.96 Net Profit/Loss(-) -70.33 Fin. Margin 3.04 3.58
Net NPA 19,750.45 7,231.43 Salary 2.42 3.55
Average Working Fund 11,98,265.00 12,64,448.85 Other Opt. Exp. 0.68 0.64
Net Profit/Loss (-) 3,387.16 1,005.05 Misc. Income 1.04 1.23
Gross Margin 0.99 0.62
Risk Cost 0.70 0.54
Net Margin 0.28 0.08
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
23
2019-20 Amt. in `lakh
Name of RRB: Baroda Gujarat GB (Old) * State: Gujarat No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: Bank of Baroda
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 2,304.68 Cash in Hand 1,058.69
Reserves 13,460.58 Balances with RBI 15,460.29
Balances in Current A/c 5,993.01
Deposits 3,86,619.54 Balances in Deposit A/c 80,109.00
Current 7,959.53 Other Investments 1,37,501.60
Savings 1,75,678.57 Loans & Advances (Net) 1,87,192.69
Term 2,02,981.44 Fixed Assets 679.98
Borrowings 25,525.09 Other Assets 10,523.42
NABARD 25,483.56 Accumulated Losses -
Sponsor Banks 36.17
Others 5.36
Other Liabilities 10,608.79
TOTAL 4,38,518.68 4,38,518.68
Interest on Deposits 18,852.64 Interest on Advances 17,108.76
Interest on RBI/Inter Bk. Funds 1,666.11 Interest on Investments & Bank Balances 15,491.35
Interest on Others 13.14 Commission 183.21
Wage Bill 10,308.47 Other Income 1,997.13
Other Operating Expenses 3,463.38
Provisions and Contingencies 328.12
Income over Expenditure 148.59 Exp. Over Income -
TOTAL 34,780.45 34,780.45
Per Branch Productivity 2,354.04 CD Ratio 49.78
Per Employee Productivity 599.48 Recovery (%) 81.29
CRAR (%) 9.68 Gross NPA (%) 5.40
Net NPA (%) 2.73
Gross loans Outstanding 1,92,475.12 Loan O/s -100.00 Fin. Return 7.77
Loans Disbursed 92,251.53 Deposits -100.00 Fin. Cost 4.89
Gross NPAs 10,397.39 Net Profit/Loss(-) -100.00 Fin. Margin 2.88
Net NPA 5,114.96 Salary 2.46
Average Working Fund 4,19,661.14 Other Opt. Exp. 0.83
Net Profit/Loss (-) 148.59 Misc. Income 0.52
Gross Margin 0.11
Risk Cost 0.08
Net Margin 0.04
*Dena Gujarat Gramin Bank sponsored by Dena bank amalgamated with Baroda Gujarat Gramin Bank Sponsored by Bank of Baroda w.e.f 1 April
2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
24
2019-20 Amt. in `lakh
Name of RRB: Baroda Gujarat GB (New) * State: Gujarat No. of Districts: 22
No of Branches : 489 No. of Staff : 1736 Sponsor Bank: Bank of Baroda
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 7,828.07 Cash in Hand 2,619.63
Reserves 33,873.60 Balances with RBI 52,137.89
Balances in Current A/c 15,302.03
Deposits 9,14,723.11 Balances in Deposit A/c 1,25,244.40
Current 16,888.98 Other Investments 3,48,277.67
Savings 4,15,217.84 Loans & Advances (Net) 4,59,393.83
Term 4,82,616.29 Fixed Assets 2,080.74
Borrowings 51,124.42 Other Assets 27,943.63
NABARD 47,110.50 Accumulated Losses -
Sponsor Banks 3,311.47
Others 702.45
Other Liabilities 25,450.62
TOTAL 10,32,999.82 10,32,999.82
Interest on Deposits 43,984.11 Interest on Advances 40,539.10
Interest on RBI/Inter Bk. Funds 3,113.39 Interest on Investments & Bank Balances 34,820.00
Interest on Others 31.84 Commission 438.09
Wage Bill 26,730.36 Other Income 7,290.70
Other Operating Expenses 7,472.47
Provisions and Contingencies 1,704.97
Income over Expenditure 50.75 Exp. Over Income -
TOTAL 83,087.89 83,087.89
Per Branch Productivity 2,836.13 CD Ratio 51.62
Per Employee Productivity 798.89 Recovery (%) 83.77
CRAR (%) 9.87 Gross NPA (%) 6.25
Net NPA (%) 3.56
Gross loans Outstanding 4,72,143.06 Loan O/s Fin. Return 7.51
Loans Disbursed 2,70,004.08 Deposits Fin. Cost 4.70
Gross NPAs 29,517.60 Net Profit/Loss(-) Fin. Margin 2.82
Net NPA 16,357.91 Salary 2.67
Average Working Fund 10,02,828.21 Other Opt. Exp. 0.75
Net Profit/Loss (-) 50.75 Misc. Income 0.77
Gross Margin 0.18
Risk Cost 0.17
Net Margin 0.01
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
*Dena Gujarat Gramin Bank sponsored by Dena bank amalgamated with Baroda Gujarat Gramin Bank Sponsored by Bank of Baroda w.e.f 1 April
2019
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
25
2019-20 Amt. in `lakh
Name of RRB: Dena Gujarat GB State: Gujarat No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: Dena Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 5,523.39 Cash in Hand 3,139.45
Reserves 20,362.28 Balances with RBI 18,135.51
Balances in Current A/c 2,209.21
Deposits 4,51,498.20 Balances in Deposit A/c 68,289.60
Current 6,140.01 Other Investments 1,57,313.67
Savings 2,10,324.35 Loans & Advances (Net) 2,48,689.78
Term 2,35,033.84 Fixed Assets 1,927.76
Borrowings 28,039.04 Other Assets 18,127.22
NABARD 26,637.21 Accumulated Losses -
Sponsor Banks 0.95
Others 1,400.88
Other Liabilities 12,409.29
TOTAL 5,17,832.20 5,17,832.20
Interest on Deposits 22,478.76 Interest on Advances 21,217.60
Interest on RBI/Inter Bk. Funds 1,973.54 Interest on Investments & Bank Balances 15,263.87
Interest on Others - Commission 176.83
Wage Bill 9,078.63 Other Income 2,503.04
Other Operating Expenses 3,150.71
Provisions and Contingencies 2,305.79
Income over Expenditure 173.91 Exp. Over Income -
TOTAL 39,161.34 39,161.34
Per Branch Productivity 2,907.32 CD Ratio 56.47
Per Employee Productivity 815.80 Recovery (%) 86.87
CRAR (%) 10.42 Gross NPA (%) 7.97
Net NPA (%) 5.30
Gross loans Outstanding 2,54,981.58 Loan O/s Fin. Return 7.31
Loans Disbursed 1,97,591.38 Deposits Fin. Cost 4.90
Gross NPAs 20,316.66 Net Profit/Loss(-) Fin. Margin 2.41
Net NPA 13,192.78 Salary 1.82
Average Working Fund 4,98,894.51 Other Opt. Exp. 0.63
Net Profit/Loss (-) 173.91 Misc. Income 0.54
Gross Margin 0.50
Risk Cost 0.46
Net Margin 0.03
*Dena Gujarat Gramin Bank sponsored by Dena bank amalgamated with Baroda Gujarat Gramin Bank Sponsored by Bank of Baroda w.e.f 1 April
2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
26
2019-20 Amt. in `lakh
Name of RRB: Saurashtra GB State: Gujarat No. of Districts: 11
No of Branches : 259 No. of Staff : 956 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 2,453.43 2,453.43 Cash in Hand 1,794.33 2,950.82
Reserves 30,870.07 34,262.31 Balances with RBI 21,760.46 24,837.46
Balances in Current A/c 1,228.02 1,273.17
Deposits 5,64,944.44 6,18,593.54 Balances in Deposit A/c 81,218.08 73,083.92
Current 28,997.16 7,876.73 Other Investments 1,36,475.58 1,28,957.59
Savings 2,40,065.01 2,66,307.47 Loans & Advances (Net) 4,11,844.33 4,64,094.50
Term 2,95,882.27 3,44,409.34 Fixed Assets 1,314.11 1,346.16
Borrowings 45,418.86 38,431.82 Other Assets 12,023.54 18,450.67
NABARD 38,182.65 32,151.75 Accumulated Losses - -
Sponsor Banks 3,371.20 12.83
Others 3,865.01 6,267.24
Other Liabilities 23,971.65 21,253.19
TOTAL 6,67,658.45 7,14,994.29 6,67,658.45 7,14,994.29
Interest on Deposits 26,740.94 30,152.19 Interest on Advances 40,810.81 43,671.06
Interest on RBI/Inter Bk. Funds 1,909.18 2,157.83 Interest on Investments & Bank Balances 11,796.34 14,252.53
Interest on Others - - Commission 5,797.46 5,999.30
Wage Bill 7,505.35 16,420.78 Other Income 352.76 756.85
Other Operating Expenses 4,744.75 3,742.64
Provisions and Contingencies 14,802.39 8,814.05
Income over Expenditure 3,054.76 3,392.25 Exp. Over Income - -
TOTAL 58,757.37 64,679.74 58,757.37 64,679.74
Per Branch Productivity 3,665.58 4,190.68 CD Ratio 73.24 75.46
Per Employee Productivity 1,051.25 1,135.34 Recovery (%) 90.86 91.01
CRAR (%) 10.70 10.27 Gross NPA (%) 0.97 1.56
Net NPA (%) 0.00 0.00
Gross loans Outstanding 4,13,765.15 4,66,791.84 Loan O/s 12.82 Fin. Return 8.69 8.50
Loans Disbursed 3,31,338.94 3,66,484.90 Deposits 9.50 Fin. Cost 4.73 4.74
Gross NPAs 4,014.56 7,273.89 Net Profit/Loss(-) 11.05 Fin. Margin 3.96 3.76
Net NPA - - Salary 1.24 2.41
Average Working Fund 6,05,335.81 6,81,497.10 Other Opt. Exp. 0.78 0.55
Net Profit/Loss (-) 3,054.76 3,392.25 Misc. Income 1.02 0.99
Gross Margin 2.95 1.79
Risk Cost 2.45 1.29
Net Margin 0.50 0.50
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
27
2019-20 Amt. in `lakh
Name of RRB: Sarva Haryana GB State: Haryana No. of Districts: 22
No of Branches : 654 No. of Staff : 3121 Sponsor Bank: P.N.B.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 4,627.56 4,627.56 Cash in Hand 5,648.35 6,557.94
Reserves 1,57,686.47 1,57,984.37 Balances with RBI 58,409.52 55,456.09
Balances in Current A/c 3,696.81 2,093.96
Deposits 14,54,756.58 16,18,912.46 Balances in Deposit A/c 1,23,035.00 80,535.00
Current 21,940.26 13,028.37 Other Investments 6,24,482.55 7,68,740.14
Savings 7,92,305.37 8,56,755.60 Loans & Advances (Net) 9,14,952.36 9,57,452.65
Term 6,40,510.95 7,49,128.49 Fixed Assets 7,020.77 6,300.53
Borrowings 1,60,906.70 1,45,022.89 Other Assets 57,349.16 61,762.32
NABARD 1,17,767.32 92,843.21 Accumulated Losses - -
Sponsor Banks 32,398.83 52,149.57
Others 10,740.55 30.11
Other Liabilities 16,617.21 12,351.35
TOTAL 17,94,594.52 19,38,898.63 17,94,594.52 19,38,898.63
Interest on Deposits 72,091.09 80,796.47 Interest on Advances 77,257.16 82,885.27
Interest on RBI/Inter Bk. Funds 5,083.79 5,983.70 Interest on Investments & Bank Balances 52,932.29 60,851.51
Interest on Others - - Commission 701.33 609.96
Wage Bill 25,444.11 46,205.15 Other Income 11,903.76 14,745.44
Other Operating Expenses 10,725.85 12,602.48
Provisions and Contingencies 37,752.61 13,206.47
Income over Expenditure - 297.91 Exp. Over Income 8,302.91 -
TOTAL 1,51,097.45 1,59,092.18 1,51,097.45 1,59,092.18
Per Branch Productivity 3,687.80 4,026.48 CD Ratio 65.79 62.66
Per Employee Productivity 752.99 843.74 Recovery (%) 67.50 63.98
CRAR (%) 14.93 13.63 Gross NPA (%) 12.72 11.57
Net NPA (%) 8.71 6.31
Gross loans Outstanding 9,57,065.49 10,14,403.00 Loan O/s 5.99 Fin. Return 7.54 7.58
Loans Disbursed 9,44,416.42 9,36,929.42 Deposits 11.28 Fin. Cost 4.47 4.58
Gross NPAs 1,21,768.02 1,17,339.94 Net Profit/Loss(-) -103.59 Fin. Margin 3.07 3.00
Net NPA 79,654.88 60,389.59 Salary 1.47 2.44
Average Working Fund 17,26,852.00 18,95,675.98 Other Opt. Exp. 0.62 0.66
Net Profit/Loss (-) -8,302.91 297.91 Misc. Income 0.73 0.81
Gross Margin 1.71 0.71
Risk Cost 2.19 0.70
Net Margin -0.48 0.02
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
28
2019-20 Amt. in `lakh
Name of RRB: Himachal Pradesh GB State: Himachal Pradesh No. of Districts: 12
No of Branches : 265 No. of Staff : 867 Sponsor Bank: P.N.B.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 1,543.62 1,543.62 Cash in Hand 1,840.46 2,396.35
Reserves 12,191.00 12,333.30 Balances with RBI 20,075.84 22,805.80
Balances in Current A/c 821.25 6,994.65
Deposits 5,09,792.28 5,81,113.31 Balances in Deposit A/c 1,54,742.68 81,603.38
Current 9,036.62 11,714.72 Other Investments 1,96,501.39 3,11,304.16
Savings 2,00,825.74 2,25,585.64 Loans & Advances (Net) 1,77,199.67 2,04,881.46
Term 2,99,929.92 3,43,812.95 Fixed Assets 1,074.12 958.02
Borrowings 39,305.69 42,235.10 Other Assets 17,137.45 14,430.93
NABARD 28,253.57 31,325.86 Accumulated Losses - -
Sponsor Banks 10,652.52 9,334.24
Others 399.60 1,575.00
Other Liabilities 6,560.27 8,149.42
TOTAL 5,69,392.86 6,45,374.75 5,69,392.86 6,45,374.75
Interest on Deposits 26,027.81 28,944.16 Interest on Advances 15,379.31 18,632.22
Interest on RBI/Inter Bk. Funds 1,950.21 1,652.00 Interest on Investments & Bank Balances 25,889.05 30,208.90
Interest on Others - 160.27 Commission 114.89 1,293.10
Wage Bill 6,985.17 14,002.25 Other Income 1,471.01 1,037.36
Other Operating Expenses 2,814.84 5,162.28
Provisions and Contingencies 4,558.17 1,171.75
Income over Expenditure 518.06 78.87 Exp. Over Income - -
TOTAL 42,854.26 51,171.58 42,854.26 51,171.58
Per Branch Productivity 2,620.31 2,990.88 CD Ratio 36.21 36.39
Per Employee Productivity 756.41 914.17 Recovery (%) 86.32 88.75
CRAR (%) 10.08 9.04 Gross NPA (%) 6.92 5.77
Net NPA (%) 3.04 2.74
Gross loans Outstanding 1,84,589.84 2,11,469.24 Loan O/s 14.56 Fin. Return 7.74 8.21
Loans Disbursed 1,36,307.01 1,93,159.43 Deposits 13.99 Fin. Cost 5.25 5.17
Gross NPAs 12,776.24 12,196.43 Net Profit/Loss(-) -84.78 Fin. Margin 2.49 3.04
Net NPA 5,386.07 5,608.10 Salary 1.31 2.35
Average Working Fund 5,32,946.87 5,95,191.17 Other Opt. Exp. 0.53 0.87
Net Profit/Loss (-) 518.06 78.87 Misc. Income 0.30 0.39
Gross Margin 0.95 0.21
Risk Cost 0.86 0.20
Net Margin 0.10 0.01
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
29
2019-20 Amt. in `lakh
Name of RRB: J&K Grameen Bank State: Jammu & Kashmir No. of Districts:* 13
No of Branches : 217 No. of Staff : 1051 Sponsor Bank: J&K Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 9,716.30 9,716.30 Cash in Hand 807.27 1,038.28
Reserves 7,991.64 7,991.64 Balances with RBI 14,601.88 16,136.88
Balances in Current A/c 47.69 907.58
Deposits 3,82,372.39 4,10,690.68 Balances in Deposit A/c 1,47,277.47 1,29,433.41
Current 13,535.27 12,356.24 Other Investments 75,419.61 83,472.27
Savings 1,89,564.26 1,97,854.09 Loans & Advances (Net) 1,80,393.31 2,09,829.59
Term 1,79,272.86 2,00,480.35 Fixed Assets 1,472.15 1,632.37
Borrowings 25,063.21 16,939.70 Other Assets 9,436.86 12,084.47
NABARD 23,896.44 15,772.93 Accumulated Losses - 11,933.88
Sponsor Banks - -
Others 1,166.77 1,166.77
Other Liabilities 4,312.70 21,130.41
TOTAL 4,29,456.24 4,66,468.73 4,29,456.24 4,66,468.73
Interest on Deposits 18,180.58 19,852.78 Interest on Advances 17,413.72 19,836.92
Interest on RBI/Inter Bk. Funds 1,655.90 - Interest on Investments & Bank Balances 15,685.27 17,095.45
Interest on Others - 1,647.68 Commission 263.03 242.49
Wage Bill 8,335.69 25,977.40 Other Income 885.12 784.51
Other Operating Expenses 3,105.67 3,062.74
Provisions and Contingencies 2,163.29 -647.35
Income over Expenditure 806.01 - Exp. Over Income - 11,933.88
TOTAL 34,247.14 49,893.25 34,247.14 49,893.25
Per Branch Productivity 2,634.52 2,907.89 CD Ratio 49.51 53.65
Per Employee Productivity 561.03 600.39 Recovery (%) 66.59 73.90
CRAR (%) 9.41 1.80 Gross NPA (%) 9.47 9.11
Net NPA (%) 4.99 4.57
Gross loans Outstanding 1,89,318.88 2,20,321.74 Loan O/s 16.38 Fin. Return 8.26 8.30
Loans Disbursed 91,896.60 1,30,444.96 Deposits 7.41 Fin. Cost 4.95 4.83
Gross NPAs 17,931.25 20,074.73 Net Profit/Loss(-) -1581 Fin. Margin 3.31 3.47
Net NPA 9,005.68 9,582.58 Salary 2.08 5.84
Average Working Fund 4,00,895.78 4,45,037.38 Other Opt. Exp. 0.77 0.69
Net Profit/Loss (-) 806.01 -11,933.88 Misc. Income 0.29 0.23
Gross Margin 0.74 -2.83
Risk Cost 0.54 -0.15
Net Margin 0.20 -2.68
*J & K Grameen Bank has 2 branches in Union Territory of Ladakh
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
30
2019-20 Amt. in `lakh
Name of RRB: Jharkhand GB* State: Jharkhand No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: B.O.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 11,267.16 Cash in Hand 1,096.94
Reserves 5,616.79 Balances with RBI 14,013.36
Balances in Current A/c 4,660.62
Deposits 3,51,832.25 Balances in Deposit A/c 29,814.88
Current 4,832.52 Other Investments 2,14,945.17
Savings 2,08,504.89 Loans & Advances (Net) 1,06,015.12
Term 1,38,494.84 Fixed Assets 471.04
Borrowings 4,570.13 Other Assets 11,618.50
NABARD 4,099.80 Accumulated Losses -
Sponsor Banks -
Others 470.33
Other Liabilities 9,349.30
TOTAL 3,82,635.63 3,82,635.63
Interest on Deposits 16,440.02 Interest on Advances 11,979.16
Interest on RBI/Inter Bk. Funds 236.59 Interest on Investments & Bank Balances 18,548.28
Interest on Others - Commission 224.31
Wage Bill 6,424.42 Other Income 1,870.23
Other Operating Expenses 2,373.76
Provisions and Contingencies 5,754.39
Income over Expenditure 1,392.80 Exp. Over Income -
TOTAL 32,621.98 32,621.98
Per Branch Productivity 1,946.85 CD Ratio 32.25
Per Employee Productivity 570.92 Recovery (%) 63.12
CRAR (%) 12.51 Gross NPA (%) 11.12
Net NPA (%) 4.15
Gross loans Outstanding 1,13,465.97 Loan O/s Fin. Return 8.01
Loans Disbursed 44,685.33 Deposits Fin. Cost 4.37
Gross NPAs 12,616.89 Net Profit/Loss(-) Fin. Margin 3.63
Net NPA 4,398.00 Salary 1.69
Average Working Fund 3,81,252.00 Other Opt. Exp. 0.62
Net Profit/Loss (-) 1,392.80 Misc. Income 0.55
Gross Margin 1.87
Risk Cost 1.51
Net Margin 0.37
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
31
2019-20 Amt. in `lakh
Name of RRB: Vananchal GB * State: Jharkhand No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: S.B.I
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 13,499.93 Cash in Hand 2,590.45
Reserves 2,048.50 Balances with RBI 15,013.52
Balances in Current A/c 868.93
Deposits 3,55,040.10 Balances in Deposit A/c -
Current 5,889.83 Other Investments 2,24,638.86
Savings 2,31,986.72 Loans & Advances (Net) 1,48,671.87
Term 1,17,163.55 Fixed Assets 655.03
Borrowings 6,086.81 Other Assets 9,049.87
NABARD 5,331.07 Accumulated Losses -
Sponsor Banks 341.40
Others 414.34
Other Liabilities 24,813.19
TOTAL 4,01,488.53 4,01,488.53
Interest on Deposits 17,593.29 Interest on Advances 10,078.24
Interest on RBI/Inter Bk. Funds 382.17 Interest on Investments & Bank Balances 16,366.49
Interest on Others - Commission 2,758.31
Wage Bill 5,797.77 Other Income 2,951.81
Other Operating Expenses 2,613.27
Provisions and Contingencies 4,686.52
Income over Expenditure 1,081.83 Exp. Over Income -
TOTAL 32,154.85 32,154.85
Per Branch Productivity 2,529.84 CD Ratio 45.36
Per Employee Productivity 595.94 Recovery (%) 60.87
CRAR (%) 11.26 Gross NPA (%) 10.55
Net NPA (%) 3.10
Gross loans Outstanding 1,61,046.25 Loan O/s Fin. Return 5.40
Loans Disbursed 63,984.52 Deposits Fin. Cost 3.67
Gross NPAs 16,994.01 Net Profit/Loss(-) Fin. Margin 1.73
Net NPA 4,614.84 Salary 1.18
Average Working Fund 4,89,749.07 Other Opt. Exp. 0.53
Net Profit/Loss (-) 1,081.83 Misc. Income 1.17
Gross Margin 1.18
Risk Cost 0.96
Net Margin 0.22
* Floating Provisions for Standard Assets of Vananchal Gramin Bank (Rs. 13.56 Crore) was inadventantly shown as a part of Share Capital as on 31
March 2019. The same has been included in Other Liabilities in this edition of Publication.
Jharkhand Gramin bank and Vananchal Gramin Bank were amalgamated to form Jharkhand Rajya Gramin Bank w.e.f 1 April 2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
32
2019-20 Amt. in `lakh
Name of RRB: Jharkhand Rajya GB * State: Jharkhand No. of Districts: 24
No of Branches : 443 No. of Staff : 1675 Sponsor Bank: S.B.I
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 24,767.09 Cash in Hand 3,114.82
Reserves 11,832.11 Balances with RBI 30,802.88
Balances in Current A/c 4,020.12
Deposits 7,58,814.58 Balances in Deposit A/c 1,27,347.95
Current 13,237.43 Other Investments 3,63,688.85
Savings 4,91,445.10 Loans & Advances (Net) 2,86,271.99
Term 2,54,132.05 Fixed Assets 1,090.04
Borrowings 12,713.67 Other Assets 40,465.93
NABARD 11,500.12 Accumulated Losses -
Sponsor Banks 58.17
Others 1,155.38
Other Liabilities 48,675.13
TOTAL 8,56,802.58 8,56,802.58
Interest on Deposits 33,842.48 Interest on Advances 26,335.60
Interest on RBI/Inter Bk. Funds 850.34 Interest on Investments & Bank Balances 30,954.18
Interest on Others 29.90 Commission 1,346.00
Wage Bill 12,610.46 Other Income 17,747.87
Other Operating Expenses 5,050.29
Provisions and Contingencies 19,833.39
Income over Expenditure 4,166.79 Exp. Over Income -
TOTAL 76,383.65 76,383.65
Per Branch Productivity 2,399.24 CD Ratio 40.07
Per Employee Productivity 634.55 Recovery (%) 62.34
CRAR (%) 11.33 Gross NPA (%) 9.05
Net NPA (%) 3.38
Gross loans Outstanding 3,04,050.24 Loan O/s Fin. Return 7.00
Loans Disbursed 2,57,831.10 Deposits Fin. Cost 4.24
Gross NPAs 27,528.15 Net Profit/Loss(-) Fin. Margin 2.76
Net NPA 9,686.00 Salary 1.54
Average Working Fund 8,18,148.00 Other Opt. Exp. 0.62
Net Profit/Loss (-) 4,166.79 Misc. Income 2.33
Gross Margin 2.93
Risk Cost 2.42
Net Margin 0.51
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
*Jharkhand Gramin bank and Vananchal Gramin Bank were amalgamated to form Jharkhand Rajya Gramin Bank w.e.f 1 April 2019
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
33
2019-20 Amt. in `lakh
Name of RRB: Kaveri GB State: Karnataka No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 5,397.26 Cash in Hand 3,672.89
Reserves 53,807.58 Balances with RBI 40,196.75
Balances in Current A/c 60,633.04
Deposits 9,51,771.14 Balances in Deposit A/c 25.60
Current 14,773.15 Other Investments 3,48,516.54
Savings 2,92,512.96 Loans & Advances (Net) 6,19,231.81
Term 6,44,485.03 Fixed Assets 2,131.02
Borrowings 61,294.94 Other Assets 24,492.34
NABARD 61,294.94 Accumulated Losses -
Sponsor Banks -
Others -
Other Liabilities 26,629.07
TOTAL 10,98,899.99 10,98,899.99
Interest on Deposits 55,610.16 Interest on Advances 68,596.57
Interest on RBI/Inter Bk. Funds 3,861.09 Interest on Investments & Bank Balances 26,159.70
Interest on Others - Commission 4,411.80
Wage Bill 15,862.98 Other Income 4,763.52
Other Operating Expenses 7,056.73
Provisions and Contingencies 17,833.89
Income over Expenditure 3,706.74 Exp. Over Income -
TOTAL 1,03,931.59 1,03,931.59
Per Branch Productivity 3,153.07 CD Ratio 67.63
Per Employee Productivity 807.42 Recovery (%) 75.08
CRAR (%) 11.01 Gross NPA (%) 7.72
Net NPA (%) 4.08
Gross loans Outstanding 6,43,684.78 Loan O/s Fin. Return 9.10
Loans Disbursed 3,51,334.60 Deposits Fin. Cost 5.71
Gross NPAs 49,711.29 Net Profit/Loss(-) Fin. Margin 3.39
Net NPA 25,258.32 Salary 1.52
Average Working Fund 10,41,256.51 Other Opt. Exp. 0.68
Net Profit/Loss (-) 3,706.74 Misc. Income 0.88
Gross Margin 2.07
Risk Cost 1.71
Net Margin 0.36
*Kaveri GB ( SBI) and Pragathi Krishna GB (Canara Bank) were amalgamated to form Karnataka Gramin Ba nk (Canara Bank) w.e.f 1 April 2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
34
2019-20 Amt. in `lakh
Name of RRB: Pragathi Krisha GB State: Karnataka No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: Canara Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 6,366.56 Cash in Hand 22,732.92
Reserves 1,38,260.07 Balances with RBI 64,528.51
Balances in Current A/c 14,789.01
Deposits 15,91,721.93 Balances in Deposit A/c 1,51,225.00
Current 60,817.50 Other Investments 3,52,998.09
Savings 5,73,784.81 Loans & Advances (Net) 14,20,988.09
Term 9,57,119.62 Fixed Assets 5,708.67
Borrowings 2,55,630.25 Other Assets 79,038.10
NABARD 2,51,630.23 Accumulated Losses -
Sponsor Banks 4,000.02
Others -
Other Liabilities 1,20,029.58
TOTAL 21,12,008.39 21,12,008.39
Interest on Deposits 90,743.48 Interest on Advances 1,61,237.31
Interest on RBI/Inter Bk. Funds 19,387.20 Interest on Investments & Bank Balances 33,646.99
Interest on Others - Commission 181.68
Wage Bill 29,659.11 Other Income 13,600.24
Other Operating Expenses 48,937.30
Provisions and Contingencies 12,454.92
Income over Expenditure 7,484.21 Exp. Over Income -
TOTAL 2,08,666.22 2,08,666.22
Per Branch Productivity 4,616.21 CD Ratio 91.70
Per Employee Productivity 900.36 Recovery (%) 65.74
CRAR (%) 11.94 Gross NPA (%) 4.37
Net NPA (%) 1.78
Gross loans Outstanding 14,59,592.74 Loan O/s Fin. Return 9.23
Loans Disbursed 4,83,770.38 Deposits Fin. Cost 5.21
Gross NPAs 63,844.90 Net Profit/Loss(-) Fin. Margin 4.01
Net NPA 25,240.25 Salary 1.40
Average Working Fund 21,12,291.21 Other Opt. Exp. 2.32
Net Profit/Loss (-) 7,484.21 Misc. Income 0.65
Gross Margin 0.94
Risk Cost 0.59
Net Margin 0.35
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
*Kaveri GB ( SBI) and Pragathi Krishna GB (Canara Bank) were amalgamated to form Karnataka Gramin Bank (Canara Bank) w.e.f 1 April 2019
35
2019-20 Amt. in `lakh
Name of RRB: Karnataka GB * State: Karnataka No. of Districts: 21
No of Branches : 1142 No. of Staff : 5109 Sponsor Bank: Canara Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 11,763.82 Cash in Hand 21,953.28
Reserves 1,93,928.69 Balances with RBI 73,975.54
Balances in Current A/c 11,009.50
Deposits 28,43,539.32 Balances in Deposit A/c 4,65,497.70
Current 88,726.54 Other Investments 8,11,535.85
Savings 9,54,628.93 Loans & Advances (Net) 20,55,815.43
Term 18,00,183.85 Fixed Assets 8,421.52
Borrowings 3,67,036.28 Other Assets 89,392.30
NABARD 3,63,583.26 Accumulated Losses -
Sponsor Banks -
Others 3,453.02
Other Liabilities 1,21,333.01
TOTAL 35,37,601.12 35,37,601.12
Interest on Deposits 1,51,361.93 Interest on Advances 2,21,429.33
Interest on RBI/Inter Bk. Funds 17,154.80 Interest on Investments & Bank Balances 65,942.14
Interest on Others 1,301.29 Commission 170.78
Wage Bill 53,264.06 Other Income 35,795.53
Other Operating Expenses 31,513.96
Provisions and Contingencies 66,880.69
Income over Expenditure 1,861.05 Exp. Over Income -
TOTAL 3,23,337.78 3,23,337.78
Per Branch Productivity 4,371.30 CD Ratio 75.56
Per Employee Productivity 977.10 Recovery (%) 78.22
CRAR (%) 12.38 Gross NPA (%) 9.89
Net NPA (%) 5.83
Gross loans Outstanding 21,48,480.55 Loan O/s Fin. Return 8.48
Loans Disbursed 8,95,958.39 Deposits Fin. Cost 5.01
Gross NPAs 2,12,462.13 Net Profit/Loss(-) Fin. Margin 3.47
Net NPA 1,19,797.02 Salary 1.57
Average Working Fund 33,90,469.40 Other Opt. Exp. 0.93
Net Profit/Loss (-) 1,861.05 Misc. Income 1.06
Gross Margin 2.03
Risk Cost 1.97
Net Margin 0.05
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
*Kaveri GB ( SBI) and Pragathi Krishna GB (Canara Bank) were amalgamated to form Karnataka Gramin Bank (Canara Bank) w.e.f 1 April 2019
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
36
2019-20 Amt. in `lakh
Name of RRB: Karnataka Vikas GB State: Karnataka No. of Districts: 9
No of Branches : 633 No. of Staff : 3502 Sponsor Bank: Syndicate Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 2019-20
Share Capital 2,397.32 2,397.32 Cash in Hand 4,481.24 5,496.97
Reserves 1,71,951.73 1,11,455.44 Balances with RBI 80,118.23 55,947.24
Balances in Current A/c 1,492.62 58,958.82
Deposits 13,89,488.48 15,17,849.34 Balances in Deposit A/c 3,09,525.00 4,11,525.00
Current 24,059.09 24,628.83 Other Investments 2,90,565.78 3,18,233.08
Savings 5,05,896.97 5,90,485.49 Loans & Advances (Net) 10,95,090.31 10,33,329.45
Term 8,59,532.42 9,02,735.02 Fixed Assets 2,018.52 1,839.92
Borrowings 1,74,683.01 2,56,383.49 Other Assets 58,569.33 81,949.93
NABARD 1,58,389.33 1,61,667.94 Accumulated Losses - -
Sponsor Banks 2,219.35 81,397.82
Others 14,074.33 13,317.73
Other Liabilities 1,03,340.49 79,194.82
TOTAL 18,41,861.03 19,67,280.41 18,41,861.03 19,67,280.41
Interest on Deposits 74,657.98 79,664.32 Interest on Advances 96,865.02 81,908.37
Interest on RBI/Inter Bk. Funds 13,483.03 10,010.41 Interest on Investments & Bank Balances 41,790.63 49,248.59
Interest on Others - - Commission 869.94 950.69
Wage Bill 32,994.22 66,501.94 Other Income 11,677.68 17,176.21
Other Operating Expenses 12,311.81 11,097.51
Provisions and Contingencies 12,744.52 42,505.97
Income over Expenditure 5,011.71 - Exp. Over Income - 60,496.29
TOTAL 1,51,203.27 2,09,780.15 1,51,203.27 2,09,780.15
Per Branch Productivity 3,971.29 4,149.89 CD Ratio 81.77 73.07
Per Employee Productivity 716.52 750.11 Recovery (%) 68.40 65.30
CRAR (%) 15.44 10.69 Gross NPA (%) 9.87 14.54
Net NPA (%) 6.48 7.90
Gross loans Outstanding 11,36,251.14 11,09,031.95 Loan O/s -2.40 Fin. Return 7.94 7.03
Loans Disbursed 4,25,839.00 5,80,843.60 Deposits 9.24 Fin. Cost 5.05 4.80
Gross NPAs 1,12,151.42 1,61,296.88 Net Profit/Loss(-) ###### Fin. Margin 2.89 2.22
Net NPA 70,990.43 81,680.00 Salary 1.89 3.56
Average Working Fund 17,45,526.00 18,66,767.00 Other Opt. Exp. 0.71 0.59
Net Profit/Loss (-) 5,011.71 -60,496.29 Misc. Income 0.72 0.97
Gross Margin 1.02 -0.96
Risk Cost 0.73 2.28
Net Margin 0.29 -3.24
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
37
2019-20 Amt. in `lakh
Name of RRB: Kerala GB State: Kerala No. of Districts: 14
No of Branches : 634 No. of Staff : 3519 Sponsor Bank: Canara Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 2019-20
Share Capital 841.43 841.43 Cash in Hand 15,300.25 15,139.38
Reserves 78,595.39 79,033.33 Balances with RBI 60,088.65 47,182.30
Balances in Current A/c 174.28 276.09
Deposits 16,87,966.18 19,25,356.07 Balances in Deposit A/c 20,034.24 1,13,154.38
Current 27,597.74 19,496.29 Other Investments 3,64,157.92 3,63,455.90
Savings 6,13,485.99 6,52,889.30 Loans & Advances (Net) 15,31,957.20 16,45,128.38
Term 10,46,882.45 12,52,970.48 Fixed Assets 10,003.71 9,210.50
Borrowings 2,77,832.66 2,68,218.77 Other Assets 95,960.62 1,15,953.77
NABARD 2,20,630.09 2,12,804.48 Accumulated Losses - 5,570.24
Sponsor Banks 2,271.28 418.60
Others 54,931.29 54,995.69
Other Liabilities 52,441.21 41,621.34
TOTAL 20,97,676.87 23,15,070.94 20,97,676.87 23,15,070.94
Interest on Deposits 96,070.04 1,07,599.48 Interest on Advances 1,54,964.65 1,59,806.24
Interest on RBI/Inter Bk. Funds 27,568.28 16,168.59 Interest on Investments & Bank Balances 32,526.11 30,030.38
Interest on Others 10,047.92 12,479.84 Commission 13,011.65 17,807.07
Wage Bill 43,637.40 56,596.11 Other Income 2,112.50 6,686.50
Other Operating Expenses 14,440.22 17,097.58
Provisions and Contingencies 10,672.05 9,489.65
Income over Expenditure 179.00 - Exp. Over Income - 5,101.06
TOTAL 2,02,614.91 2,19,431.25 2,02,614.91 2,19,431.25
Per Branch Productivity 5,492.00 5,863.31 CD Ratio 105.95 93.07
Per Employee Productivity 955.06 1,056.36 Recovery (%) 96.14 95.70
CRAR (%) 9.68 7.18 Gross NPA (%) 3.36 4.30
Net NPA (%) 2.24 2.51
Gross loans Outstanding 17,88,470.28 17,91,981.15 Loan O/s 0.20 Fin. Return 8.14 7.90
Loans Disbursed 18,21,604.57 17,68,049.01 Deposits 14.06 Fin. Cost 5.81 5.67
Gross NPAs 60,114.59 77,107.74 Net Profit/Loss(-) -2950 Fin. Margin 2.34 2.23
Net NPA 34,365.00 41,254.96 Salary 1.90 2.36
Average Working Fund 23,02,506.53 24,02,886.22 Other Opt. Exp. 0.63 0.71
Net Profit/Loss (-) 179.00 -5,101.06 Misc. Income 0.66 1.02
Gross Margin 0.47 0.18
Risk Cost 0.46 0.39
Net Margin 0.01 -0.21
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
38
2019-20 Amt. in `lakh
Name of RRB: Central MP GB* State: Madhya Pradesh No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: Central BoI
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 24,639.27 Cash in Hand 1,302.05
Reserves 8,991.94 Balances with RBI 28,622.68
Balances in Current A/c 1,552.10
Deposits 7,13,135.25 Balances in Deposit A/c 1,81,934.09
Current 18,105.11 Other Investments 1,43,273.44
Savings 3,21,593.19 Loans & Advances (Net) 3,82,060.22
Term 3,73,436.95 Fixed Assets 1,925.51
Borrowings 20,540.97 Other Assets 30,064.59
NABARD 19,569.93 Accumulated Losses 20,914.52
Sponsor Banks 622.00
Others 349.04
Other Liabilities 24,341.77
TOTAL 7,91,649.20 7,91,649.20
Interest on Deposits 37,330.56 Interest on Advances 29,024.50
Interest on RBI/Inter Bk. Funds 1,211.00 Interest on Investments & Bank Balances 24,640.80
Interest on Others - Commission 338.19
Wage Bill 20,564.10 Other Income 3,385.37
Other Operating Expenses 6,595.93
Provisions and Contingencies 12,601.79
Income over Expenditure - Exp. Over Income 20,914.52
TOTAL 78,303.38 78,303.38
Per Branch Productivity 2,496.75 CD Ratio 59.65
Per Employee Productivity 771.88 Recovery (%) 71.04
CRAR (%) 3.63 Gross NPA (%) 33.11
Net NPA (%) 27.09
Gross loans Outstanding 4,25,382.75 Loan O/s Fin. Return 6.67
Loans Disbursed 1,85,571.49 Deposits Fin. Cost 4.79
Gross NPAs 1,40,844.24 Net Profit/Loss(-) Fin. Margin 1.88
Net NPA 1,03,484.99 Salary 2.56
Average Working Fund 8,04,398.32 Other Opt. Exp. 0.82
Net Profit/Loss (-) -20,914.52 Misc. Income 0.46
Gross Margin -1.03
Risk Cost 1.57
Net Margin -2.60
* Central Madhya Pradesh GB (CBI) amalgamated with Narmada Jhabua GB (BoI) to form Madhya Pradesh GB (BoI) w.e.f 1 April 2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
39
2019-20 Amt. in `lakh
Name of RRB: Narmada Jhabua GB State: Madhya Pradesh No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: B.O.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 11,625.11 Cash in Hand 3,618.13
Reserves 45,202.34 Balances with RBI 29,002.47
Balances in Current A/c 34,189.19
Deposits 6,85,444.21 Balances in Deposit A/c 1,19,416.19
Current 18,488.36 Other Investments 1,80,783.08
Savings 2,85,888.07 Loans & Advances (Net) 5,05,214.00
Term 3,81,067.78 Fixed Assets 3,538.24
Borrowings 1,36,928.51 Other Assets 29,341.72
NABARD 56,944.40 Accumulated Losses -
Sponsor Banks 40,059.15
Others 39,924.96
Other Liabilities 25,902.85
TOTAL 9,05,103.02 9,05,103.02
Interest on Deposits 34,062.51 Interest on Advances 42,210.10
Interest on RBI/Inter Bk. Funds 2,655.81 Interest on Investments & Bank Balances 23,522.83
Interest on Others 5,972.21 Commission 2,160.04
Wage Bill 20,994.92 Other Income 4,177.68
Other Operating Expenses 5,457.77
Provisions and Contingencies 9,533.30
Income over Expenditure - Exp. Over Income 6,605.87
TOTAL 78,676.52 78,676.52
Per Branch Productivity 2,947.65 CD Ratio 76.31
Per Employee Productivity 720.22 Recovery (%) 76.24
CRAR (%) 11.42 Gross NPA (%) 12.69
Net NPA (%) 9.60
Gross loans Outstanding 5,23,090.25 Loan O/s Fin. Return 7.34
Loans Disbursed 3,60,800.91 Deposits Fin. Cost 4.77
Gross NPAs 66,354.42 Net Profit/Loss(-) Fin. Margin 2.57
Net NPA 48,478.15 Salary 2.35
Average Working Fund 8,95,055.75 Other Opt. Exp. 0.61
Net Profit/Loss (-) -6,605.87 Misc. Income 0.71
Gross Margin 0.33
Risk Cost 1.07
Net Margin -0.74
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
40
2019-20 Amt. in `lakh
Name of RRB: Madhya Pradesh GB * State: Madhya Pradesh No. of Districts: 39
No of Branches : 866 No. of Staff : 3420 Sponsor Bank: B.O.I
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 39,885.38 Cash in Hand 7,429.61
Reserves 60,800.15 Balances with RBI 61,181.69
Balances in Current A/c 36,467.70
Deposits 15,04,749.36 Balances in Deposit A/c 2,05,061.70
Current 43,186.69 Other Investments 3,82,507.36
Savings 6,33,890.95 Loans & Advances (Net) 9,25,232.51
Term 8,27,671.72 Fixed Assets 4,744.74
Borrowings 77,183.36 Other Assets 43,057.78
NABARD 19,668.09 Accumulated Losses 65,635.43
Sponsor Banks 22,638.66
Others 34,876.61
Other Liabilities 48,700.27
TOTAL 17,31,318.52 17,31,318.52
Interest on Deposits 76,021.53 Interest on Advances 70,618.57
Interest on RBI/Inter Bk. Funds 4,218.83 Interest on Investments & Bank Balances 47,420.12
Interest on Others 1,807.40 Commission 5,312.46
Wage Bill 62,308.63 Other Income 7,485.05
Other Operating Expenses 10,660.90
Provisions and Contingencies 13,933.96
Income over Expenditure - Exp. Over Income 38,115.05
TOTAL 1,68,951.25 1,68,951.25
Per Branch Productivity 2,887.12 CD Ratio 66.16
Per Employee Productivity 731.07 Recovery (%) 68.86
CRAR (%) 4.02 Gross NPA (%) 20.37
Net NPA (%) 14.32
Gross loans Outstanding 9,95,500.82 Loan O/s Fin. Return 6.52
Loans Disbursed 4,96,943.75 Deposits Fin. Cost 4.53
Gross NPAs 2,02,804.95 Net Profit/Loss(-) Fin. Margin 1.99
Net NPA 1,32,536.65 Salary 3.44
Average Working Fund 18,09,816.84 Other Opt. Exp. 0.59
Net Profit/Loss (-) -38,115.05 Misc. Income 0.71
Gross Margin -1.34
Risk Cost 0.77
Net Margin -2.11
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
* Central Madhya Pradesh GB (CBI) amalgamated with Narmada Jhabua GB (BoI) to form Madhya Pradesh GB (BoI) w.e.f 1 April 2019
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
41
2019-20 Amt. in `lakh
Name of RRB: Madhyanchal GB State: Madhya Pradesh No. of Districts: 13
No of Branches : 454 No. of Staff : 1448 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 23,214.81 28,938.60 Cash in Hand 4,867.97 5,218.32
Reserves 4,087.73 4,150.08 Balances with RBI 30,967.13 33,541.82
Balances in Current A/c 972.10 1,721.23
Deposits 7,54,123.56 8,17,192.45 Balances in Deposit A/c 78,675.56 66,091.65
Current 18,208.31 16,349.71 Other Investments 4,40,516.98 5,09,740.82
Savings 4,37,653.74 4,78,464.69 Loans & Advances (Net) 2,10,932.91 2,12,227.22
Term 2,98,261.51 3,22,378.05 Fixed Assets 840.67 1,174.60
Borrowings 450.53 242.62 Other Assets 27,301.24 30,050.37
NABARD 293.63 57.02 Accumulated Losses 16,976.43 54,798.25
Sponsor Banks 84.64 142.16
Others 72.26 43.44
Other Liabilities 30,174.36 64,040.53
TOTAL 8,12,050.99 9,14,564.28 8,12,050.99 9,14,564.28
Interest on Deposits 35,341.57 37,539.37 Interest on Advances 12,460.93 16,954.78
Interest on RBI/Inter Bk. Funds 288.65 24.57 Interest on Investments & Bank Balances 37,146.85 43,541.11
Interest on Others - - Commission 3,036.17 3,451.68
Wage Bill 11,515.74 53,469.48 Other Income 534.36 358.92
Other Operating Expenses 8,862.95 5,198.55
Provisions and Contingencies 8,026.52 5,896.34
Income over Expenditure - - Exp. Over Income 10,857.12 37,821.82
TOTAL 64,035.43 1,02,128.31 64,035.43 1,02,128.31
Per Branch Productivity 2,182.84 2,329.06 CD Ratio 31.41 29.39
Per Employee Productivity 606.12 730.24 Recovery (%) 62.04 61.98
CRAR (%) 5.07 -10.03 Gross NPA (%) 27.65 32.31
Net NPA (%) 18.75 23.35
Gross loans Outstanding 2,36,885.71 2,40,200.11 Loan O/s 1.40 Fin. Return 6.24 7.19
Loans Disbursed 94,328.00 82,070.57 Deposits 8.36 Fin. Cost 4.48 4.46
Gross NPAs 65,497.01 77,599.17 Net Profit/Loss(-) -248.36 Fin. Margin 1.76 2.73
Net NPA 39,544.21 49,551.26 Salary 1.45 6.35
Average Working Fund 7,95,074.56 8,41,487.02 Other Opt. Exp. 1.11 0.62
Net Profit/Loss (-) -10,857.12 -37,821.82 Misc. Income 0.45 0.45
Gross Margin -0.36 -3.79
Risk Cost 1.01 0.70
Net Margin -1.37 -4.49
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
42
2019-20 Amt. in `lakh
Name of RRB: Maharashtra GB State: Maharashtra No. of Districts: 17
No of Branches : 412 No. of Staff : 1742 Sponsor Bank: BoM
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 20,934.62 20,934.62 Cash in Hand 9,229.12 8,213.49
Reserves 24,546.81 27,266.03 Balances with RBI 49,054.01 37,968.57
Balances in Current A/c 12,187.68 20,637.06
Deposits 9,91,146.76 11,42,578.10 Balances in Deposit A/c 2,21,870.67 3,00,321.94
Current 47,488.92 43,522.28 Other Investments 3,94,278.36 3,71,376.79
Savings 4,83,547.37 5,83,341.83 Loans & Advances (Net) 4,44,190.02 4,85,525.90
Term 4,60,110.47 5,15,713.99 Fixed Assets 2,251.13 2,621.45
Borrowings 92,021.62 37,190.48 Other Assets 21,184.09 23,361.20
NABARD 36,397.39 32,313.05 Accumulated Losses - -
Sponsor Banks - -
Others 55,624.23 4,877.43
Other Liabilities 25,595.27 22,057.17
TOTAL 11,54,245.08 12,50,026.40 11,54,245.08 12,50,026.40
Interest on Deposits 46,272.85 49,482.56 Interest on Advances 46,592.49 49,016.36
Interest on RBI/Inter Bk. Funds 4,738.48 3,128.18 Interest on Investments & Bank Balances 38,242.99 41,869.48
Interest on Others - - Commission 808.53 819.12
Wage Bill 22,211.03 29,524.58 Other Income 10,617.45 10,152.97
Other Operating Expenses 11,220.50 11,265.66
Provisions and Contingencies 7,840.35 5,737.74
Income over Expenditure 3,978.25 2,719.21 Exp. Over Income - -
TOTAL 96,261.46 1,01,857.93 96,261.46 1,01,857.93
Per Branch Productivity 3,526.91 4,000.90 CD Ratio 46.96 44.27
Per Employee Productivity 879.07 946.25 Recovery (%) 56.57 66.90
CRAR (%) 10.14 10.58 Gross NPA (%) 7.40 7.91
Net NPA (%) 2.97 4.07
Gross loans Outstanding 4,65,468.90 5,05,792.32 Loan O/s 8.66 Fin. Return 7.75 7.77
Loans Disbursed 2,59,598.66 2,13,235.20 Deposits 15.28 Fin. Cost 4.66 4.50
Gross NPAs 34,443.29 39,998.42 Net Profit/Loss(-) -31.65 Fin. Margin 3.09 3.27
Net NPA 13,174.42 19,739.44 Salary 2.03 2.52
Average Working Fund 10,95,258.39 11,69,310.93 Other Opt. Exp. 1.02 0.96
Net Profit/Loss (-) 3,978.25 2,719.21 Misc. Income 1.04 0.94
Gross Margin 1.08 0.72
Risk Cost 0.72 0.49
Net Margin 0.36 0.23
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
43
2019-20 Amt. in `lakh
Name of RRB: Vidharbha Konkan GB State/UT: Maharashtra No. of Districts: 17
No of Branches : 322 No. of Staff : 1208 Sponsor Bank: BoI
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 12,191.27 14,936.26 Cash in Hand 4,111.92 3,289.38
Reserves 6,348.60 7,128.89 Balances with RBI 16,043.88 12,974.88
Balances in Current A/c 8,624.51 9,487.15
Deposits 4,11,997.33 4,42,420.57 Balances in Deposit A/c 12,842.00 61,940.95
Current 9,999.81 9,272.77 Other Investments 1,26,639.91 95,315.98
Savings 2,34,045.41 2,48,872.41 Loans & Advances (Net) 2,55,518.02 2,40,681.28
Term 1,67,952.11 1,84,275.39 Fixed Assets 1,312.80 1,897.46
Borrowings 2,422.63 855.69 Other Assets 8,744.49 8,782.80
NABARD 2,422.63 855.69 Accumulated Losses 7,710.68 41,742.91
Sponsor Banks - -
Others - -
Other Liabilities 8,588.38 10,771.38
TOTAL 4,41,548.21 4,76,112.79 4,41,548.21 4,76,112.79
Interest on Deposits 19,094.98 19,212.42 Interest on Advances 21,922.90 22,354.85
Interest on RBI/Inter Bk. Funds 496.01 154.51 Interest on Investments & Bank Balances 9,505.51 8,916.57
Interest on Others - - Commission 350.33 285.42
Wage Bill 8,933.87 36,564.89 Other Income 1,571.98 2,014.08
Other Operating Expenses 3,273.61 4,120.91
Provisions and Contingencies -388.15 6,770.13
Income over Expenditure 1,940.40 - Exp. Over Income - 33,251.94
TOTAL 33,350.72 66,822.86 33,350.72 66,822.86
Per Branch Productivity 2,099.21 2,181.37 CD Ratio 66.10 58.76
Per Employee Productivity 540.98 581.46 Recovery (%) 50.52 35.18
CRAR (%) 5.37 -8.81 Gross NPA (%) 18.39 18.16
Net NPA (%) 13.02 11.60
Gross loans Outstanding 2,72,346.62 2,59,979.03 Loan O/s -4.54 Fin. Return 7.02 6.88
Loans Disbursed 73,183.49 1,07,659.97 Deposits 7.38 Fin. Cost 4.38 4.26
Gross NPAs 50,093.56 47,207.11 Net Profit/Loss(-) -1813.66 Fin. Margin 2.64 2.62
Net NPA 33,264.96 27,909.36 Salary 2.00 8.05
Average Working Fund 4,47,564.22 4,54,481.52 Other Opt. Exp. 0.73 0.91
Net Profit/Loss (-) 1,940.40 -33,251.94 Misc. Income 0.43 0.51
Gross Margin 0.35 -5.83
Risk Cost -0.09 1.49
Net Margin 0.43 -7.32
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
44
2019-20 Amt. in `lakh
Name of RRB: Odisha Gramya Bank State: Odisha No. of Districts: 13
No of Branches : 549 No. of Staff : 2379 Sponsor Bank: I.O.B.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 63,520.86 78,219.86 Cash in Hand 4,090.58 6,301.93
Reserves 5,583.54 5,583.54 Balances with RBI 49,792.73 36,060.87
Balances in Current A/c 7,126.48 19,821.37
Deposits 11,29,640.95 12,58,887.54 Balances in Deposit A/c 28,770.81 34,810.72
Current 8,904.41 9,837.89 Other Investments 6,11,617.99 7,10,576.35
Savings 4,91,666.44 5,72,155.76 Loans & Advances (Net) 4,40,954.79 4,39,833.06
Term 6,29,070.10 6,76,893.89 Fixed Assets 2,593.10 2,136.21
Borrowings 1,909.87 3,450.58 Other Assets 38,202.12 47,494.63
NABARD 418.21 69.17 Accumulated Losses 63,011.23 1,02,602.58
Sponsor Banks - -
Others 1,491.66 3,381.41
Other Liabilities 45,504.61 53,496.20
TOTAL 12,46,159.83 13,99,637.72 12,46,159.83 13,99,637.72
Interest on Deposits 59,137.45 62,761.69 Interest on Advances 38,870.68 38,380.33
Interest on RBI/Inter Bk. Funds 655.38 38.12 Interest on Investments & Bank Balances 45,559.88 48,692.83
Interest on Others 88.68 - Commission 541.21 497.58
Wage Bill 36,968.45 39,915.70 Other Income 3,219.11 11,963.73
Other Operating Expenses 6,817.04 7,731.04
Provisions and Contingencies 6,462.68 28,679.27
Income over Expenditure - - Exp. Over Income 21,938.80 39,591.35
TOTAL 1,10,129.68 1,39,125.82 1,10,129.68 1,39,125.82
Per Branch Productivity 2,946.38 3,225.98 CD Ratio 43.19 40.68
Per Employee Productivity 683.67 744.46 Recovery (%) 77.52 74.06
CRAR (%) 2.24 -4.91 Gross NPA (%) 25.32 26.08
Net NPA (%) 17.36 13.92
Gross loans Outstanding 4,87,921.35 5,12,175.55 Loan O/s 4.97 Fin. Return 7.12 6.80
Loans Disbursed 2,32,478.80 2,28,099.61 Deposits 11.44 Fin. Cost 5.05 4.90
Gross NPAs 1,23,538.09 1,33,588.61 Net Profit/Loss(-) 80.46 Fin. Margin 2.07 1.90
Net NPA 76,571.53 61,246.12 Salary 3.12 3.12
Average Working Fund 11,85,190.70 12,80,556.65 Other Opt. Exp. 0.58 0.60
Net Profit/Loss (-) -21,938.80 -39,591.35 Misc. Income 0.32 0.97
Gross Margin -1.31 -0.85
Risk Cost 0.55 2.24
Net Margin -1.85 -3.09
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
45
2019-20 Amt. in `lakh
Name of RRB: Utkal GB State: Odisha No. of Districts: 17
No of Branches : 435 No. of Staff : 1486 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 52,726.00 93,014.91 Cash in Hand 3,772.94 4,602.49
Reserves - - Balances with RBI 27,285.85 19,730.35
Balances in Current A/c 1,853.53 22,310.61
Deposits 6,49,615.40 7,04,706.47 Balances in Deposit A/c 46,148.62 69,131.86
Current 10,963.02 12,269.56 Other Investments 3,26,834.72 3,62,956.84
Savings 3,62,799.95 4,04,588.36 Loans & Advances (Net) 2,48,223.87 2,39,319.35
Term 2,75,852.43 2,87,848.55 Fixed Assets 923.52 763.18
Borrowings 1,460.61 840.88 Other Assets 19,247.82 17,115.14
NABARD 646.78 27.05 Accumulated Losses 82,397.42 96,346.68
Sponsor Banks 813.83 -
Others - 813.83
Other Liabilities 52,886.28 33,714.24
TOTAL 7,56,688.29 8,32,276.50 7,56,688.29 8,32,276.50
Interest on Deposits 32,698.05 33,732.27 Interest on Advances 14,678.75 22,463.02
Interest on RBI/Inter Bk. Funds 141.46 59.32 Interest on Investments & Bank Balances 23,875.17 28,705.32
Interest on Others - - Commission 955.30 670.20
Wage Bill 11,893.07 12,856.82 Other Income 3,126.76 6,813.07
Other Operating Expenses 3,925.74 5,016.42
Provisions and Contingencies 31,720.84 20,936.04
Income over Expenditure - - Exp. Over Income 37,743.18 13,949.26
TOTAL 80,379.16 72,600.87 80,379.16 72,600.87
Per Branch Productivity 2,144.27 2,285.35 CD Ratio 44.58 41.07
Per Employee Productivity 569.21 668.99 Recovery (%) 61.32 61.65
CRAR (%) -11.83 -1.34 Gross NPA (%) 30.30 28.00
Net NPA (%) 18.68 12.93
Gross loans Outstanding 2,89,573.26 2,89,419.13 Loan O/s -0.05 Fin. Return 5.21 6.80
Loans Disbursed 2,25,799.68 2,35,637.10 Deposits 8.48 Fin. Cost 4.44 4.49
Gross NPAs 87,728.29 81,036.63 Net Profit/Loss(-) 63.04 Fin. Margin 0.77 2.31
Net NPA 46,378.90 30,936.85 Salary 1.61 1.71
Average Working Fund 7,40,313.82 7,52,272.39 Other Opt. Exp. 0.53 0.67
Net Profit/Loss (-) -37,743.18 -13,949.26 Misc. Income 0.55 0.99
Gross Margin -0.81 0.93
Risk Cost 4.28 2.78
Net Margin -5.10 -1.85
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
46
2019-20 Amt. in `lakh
Name of RRB: Punjab Gramin Bank* State: Punjab No. of Districts: 22
No of Branches : 419 No. of Staff : 1744 Sponsor Bank: P.N.B.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 2,536.64 2,536.64 Cash in Hand 2,390.77 2,926.60
Reserves 94,908.57 99,529.27 Balances with RBI 31,759.32 24,714.20
Balances in Current A/c 1,990.01 1,097.43
Deposits 8,67,837.38 9,44,365.65 Balances in Deposit A/c 1,21,353.11 1,04,800.90
Current 30,106.10 21,565.14 Other Investments 3,19,564.93 4,31,339.46
Savings 3,59,638.36 3,80,893.24 Loans & Advances (Net) 6,36,476.72 6,50,771.79
Term 4,78,092.92 5,41,907.27 Fixed Assets 2,685.21 2,617.30
Borrowings 1,64,403.05 1,74,900.49 Other Assets 27,513.69 27,176.04
NABARD 1,35,298.80 1,36,980.14 Accumulated Losses - -
Sponsor Banks 15,901.06 24,986.19
Others 13,203.19 12,934.16
Other Liabilities 14,048.12 24,111.67
TOTAL 11,43,733.76 12,45,443.72 11,43,733.76 12,45,443.72
Interest on Deposits 11,601.85 47,614.67 Interest on Advances 12,520.06 59,244.73
Interest on RBI/Inter Bk. Funds 2,180.31 8,346.47 Interest on Investments & Bank Balances 8,596.74 36,786.17
Interest on Others - 1,100.54 Commission 738.60 1,598.93
Wage Bill 7,266.21 37,289.84 Other Income 1,812.07 14,885.37
Other Operating Expenses 1,712.16 10,047.99
Provisions and Contingencies 806.38 3,047.18
Income over Expenditure 100.56 5,068.51 Exp. Over Income - -
TOTAL 23,667.47 1,12,515.20 23,667.47 1,12,515.20
Per Branch Productivity 3,692.67 3,883.12 CD Ratio 77.01 72.29
Per Employee Productivity 886.41 932.93 Recovery (%) 88.45 90.68
CRAR (%) 14.91 15.71 Gross NPA (%) 9.56 8.50
Net NPA (%) 5.01 3.99
Gross loans Outstanding 6,68,314.77 6,82,662.82 Loan O/s 2.15 Fin. Return 1.83 7.81
Loans Disbursed 1,29,382.74 7,30,413.94 Deposits 8.82 Fin. Cost 1.19 4.64
Gross NPAs 63,873.80 58,020.65 Net Profit/Loss(-) 4940 Fin. Margin 0.63 3.17
Net NPA 31,903.76 25,948.37 Salary 0.63 3.03
Average Working Fund 11,56,855.50 12,29,951.00 Other Opt. Exp. 0.15 0.82
Net Profit/Loss (-) 100.56 5,068.51 Misc. Income 0.22 1.34
Gross Margin 0.08 0.66
Risk Cost 0.07 0.25
Net Margin 0.01 0.41
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE# INCOME#
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
*Came into effect from 1 Jan 2019 through amalgamation of Malwa GB, Sutlej GB and Punjab GB.
#Income and Expenditure for FY 2018-19 pertain to the Quarter- 1 Jan 2019 to 31 March 2019
47
2019-20 Amt. in `lakh
Name of RRB: Baroda Rajasthan KGB State: Rajasthan No. of Districts: 21
No of Branches : 852 No. of Staff : 3907 Sponsor Bank: Bank of Baroda
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 30,933.80 30,933.80 Cash in Hand 6,326.27 5,857.20
Reserves 82,288.48 96,131.44 Balances with RBI 58,972.29 51,455.92
Balances in Current A/c 11,511.04 5,943.89
Deposits 15,13,437.86 17,41,328.23 Balances in Deposit A/c 1,97,513.41 2,48,543.18
Current 28,545.29 31,802.55 Other Investments 3,12,940.69 3,25,169.40
Savings 7,77,803.17 8,74,846.66 Loans & Advances (Net) 11,67,533.76 13,09,948.07
Term 7,07,089.40 8,34,679.02 Fixed Assets 3,026.54 3,227.15
Borrowings 1,43,972.99 1,05,592.94 Other Assets 45,222.82 56,948.59
NABARD 1,43,947.38 1,05,546.91 Accumulated Losses - -
Sponsor Banks - 46.03
Others 25.61 -
Other Liabilities 32,413.69 33,106.99
TOTAL 18,03,046.82 20,07,093.40 18,03,046.82 20,07,093.40
Interest on Deposits 71,122.64 82,441.26 Interest on Advances 1,04,348.19 1,26,299.56
Interest on RBI/Inter Bk. Funds 9,274.62 6,742.73 Interest on Investments & Bank Balances 39,993.21 43,256.46
Interest on Others - - Commission 3,899.72 8,881.72
Wage Bill 46,378.55 71,219.47 Other Income 11,575.32 17,507.85
Other Operating Expenses 17,630.93 14,100.05
Provisions and Contingencies 4,803.04 7,599.12
Income over Expenditure 10,606.66 13,842.96 Exp. Over Income - -
TOTAL 1,59,816.44 1,95,945.59 1,59,816.44 1,95,945.59
Per Branch Productivity 3,211.66 3,617.48 CD Ratio 79.53 77.00
Per Employee Productivity 717.66 788.86 Recovery (%) 85.59 81.74
CRAR (%) 10.27 10.22 Gross NPA (%) 4.64 3.32
Net NPA (%) 1.69 1.04
Gross loans Outstanding 12,03,623.48 13,40,766.30 Loan O/s 11.39 Fin. Return 8.43 8.81
Loans Disbursed 1,88,911.61 7,46,250.57 Deposits 15.06 Fin. Cost 4.69 4.64
Gross NPAs 55,829.79 44,469.19 Net Profit/Loss(-) 30.51 Fin. Margin 3.73 4.18
Net NPA 19,740.08 13,650.96 Salary 2.71 3.70
Average Working Fund 17,12,782.17 19,23,684.74 Other Opt. Exp. 1.03 0.73
Net Profit/Loss (-) 10,606.66 13,842.96 Misc. Income 0.90 1.37
Gross Margin 0.90 1.11
Risk Cost 0.28 0.40
Net Margin 0.62 0.72
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
48
2019-20 Amt. in `lakh
Name of RRB: Rajasthan Marudhara GB State: Rajasthan No. of Districts: 15
No of Branches : 701 No. of Staff : 2607 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 18,193.18 18,193.18 Cash in Hand 3,366.62 3,931.12
Reserves 54,255.59 54,717.13 Balances with RBI 44,270.94 36,948.65
Balances in Current A/c 6,861.55 4,864.09
Deposits 11,18,930.23 12,50,018.46 Balances in Deposit A/c 1,30,366.95 2,00,887.40
Current 16,288.06 19,517.27 Other Investments 2,87,980.86 3,01,109.54
Savings 5,60,299.72 6,06,285.01 Loans & Advances (Net) 7,47,890.66 7,95,523.65
Term 5,42,342.45 6,24,216.18 Fixed Assets 4,226.95 4,016.13
Borrowings 69,521.30 67,611.85 Other Assets 67,856.91 60,546.16
NABARD 69,521.30 67,611.85 Accumulated Losses - -
Sponsor Banks - -
Others - -
Other Liabilities 31,921.14 17,286.12
TOTAL 12,92,821.44 14,07,826.74 12,92,821.44 14,07,826.74
Interest on Deposits 54,462.13 62,996.67 Interest on Advances 73,524.27 80,519.58
Interest on RBI/Inter Bk. Funds 4,221.21 3,307.64 Interest on Investments & Bank Balances 30,623.91 33,752.33
Interest on Others - - Commission 8,954.43 9,051.13
Wage Bill 36,866.02 47,589.50 Other Income 7,732.24 8,128.15
Other Operating Expenses 14,774.67 14,255.82
Provisions and Contingencies 4,250.00 2,840.01
Income over Expenditure 6,260.82 461.55 Exp. Over Income - -
TOTAL 1,20,834.85 1,31,451.19 1,20,834.85 1,31,451.19
Per Branch Productivity 2,701.43 2,947.45 CD Ratio 69.24 65.29
Per Employee Productivity 693.92 792.54 Recovery (%) 78.85 70.19
CRAR (%) 10.05 9.70 Gross NPA (%) 6.66 6.00
Net NPA (%) 3.27 3.55
Gross loans Outstanding 7,74,774.41 8,16,140.69 Loan O/s 5.34 Fin. Return 8.54 8.46
Loans Disbursed 6,23,858.00 1,19,760.03 Deposits 11.72 Fin. Cost 4.81 4.91
Gross NPAs 51,578.42 49,001.34 Net Profit/Loss(-) -92.63 Fin. Margin 3.73 3.55
Net NPA 24,481.13 28,277.71 Salary 3.02 3.52
Average Working Fund 12,20,210.00 13,50,306.86 Other Opt. Exp. 1.21 1.06
Net Profit/Loss (-) 6,260.82 461.55 Misc. Income 1.37 1.27
Gross Margin 0.86 0.24
Risk Cost 0.35 0.21
Net Margin 0.51 0.03
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
49
2019-20 Amt. in `lakh
Name of RRB: Pallavan Grama Bank* State: Tamil Nadu No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: Indian Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 655.78 Cash in Hand 2,302.87
Reserves 36,406.14 Balances with RBI 20,000.11
Balances in Current A/c 3,123.53
Deposits 5,10,212.85 Balances in Deposit A/c 1,23,164.73
Current 4,349.55 Other Investments 90,791.80
Savings 1,10,882.23 Loans & Advances (Net) 4,64,815.90
Term 3,94,981.07 Fixed Assets 3,425.00
Borrowings 1,77,296.16 Other Assets 25,633.95
NABARD 1,73,766.36 Accumulated Losses -
Sponsor Banks -
Others 3,529.80
Other Liabilities 8,686.96
TOTAL 7,33,257.89 7,33,257.89
Interest on Deposits 27,734.73 Interest on Advances 41,639.68
Interest on RBI/Inter Bk. Funds 9,658.34 Interest on Investments & Bank Balances 12,553.42
Interest on Others - Commission 250.99
Wage Bill 6,889.59 Other Income 6,358.26
Other Operating Expenses 7,829.06
Provisions and Contingencies 3,051.17
Income over Expenditure 5,639.46 Exp. Over Income -
TOTAL 60,802.35 60,802.35
Per Branch Productivity 3,571.00 CD Ratio 103.67
Per Employee Productivity 1,162.37 Recovery (%) 94.48
CRAR (%) 11.66 Gross NPA (%) 2.27
Net NPA (%) 1.16
Gross loans Outstanding 5,28,949.15 Loan O/s Fin. Return 8.22
Loans Disbursed 5,65,455.47 Deposits Fin. Cost 5.67
Gross NPAs 12,021.30 Net Profit/Loss(-) Fin. Margin 2.55
Net NPA 5,388.05 Salary 1.04
Average Working Fund 6,59,475.69 Other Opt. Exp. 1.19
Net Profit/Loss (-) 5,639.46 Misc. Income 1.00
Gross Margin 1.32
Risk Cost 0.46
Net Margin 0.86
* Pandyan Grama Bank (IoB) & Pallavan Grama Bank (Indian bank) amalgamated to form Tamil Nadu Grama Bank w.e.f 1 April 2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
50
2019-20 Amt. in `lakh
Name of RRB: Tamil Nadu GB * State: Tamil Nadu No. of Districts: 36
No of Branches : 632 No. of Staff : 2556 Sponsor Bank: Indian Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 4,695.45 Cash in Hand 8,647.44
Reserves 1,18,562.40 Balances with RBI 41,292.18
Balances in Current A/c 26,139.73
Deposits 12,46,337.62 Balances in Deposit A/c 2,78,622.27
Current 10,481.16 Other Investments 2,44,171.67
Savings 3,17,757.88 Loans & Advances (Net) 11,74,917.89
Term 9,18,098.58 Fixed Assets 5,756.37
Borrowings 4,57,255.47 Other Assets 92,746.53
NABARD 4,47,394.75 Accumulated Losses -
Sponsor Banks -
Others 9,860.72
Other Liabilities 45,443.14
TOTAL 18,72,294.08 18,72,294.08
Interest on Deposits 75,123.50 Interest on Advances 99,574.64
Interest on RBI/Inter Bk. Funds 22,182.27 Interest on Investments & Bank Balances 43,855.51
Interest on Others - Commission 15,801.28
Wage Bill 33,586.87 Other Income 12,102.20
Other Operating Expenses 10,998.38
Provisions and Contingencies 14,480.36
Income over Expenditure 14,962.25 Exp. Over Income -
TOTAL 1,71,333.63 1,71,333.63
Per Branch Productivity 3,915.93 CD Ratio 98.57
Per Employee Productivity 968.26 Recovery (%) 97.92
CRAR (%) 14.18 Gross NPA (%) 2.39
Net NPA (%) 0.91
Gross loans Outstanding 12,28,530.57 Loan O/s Fin. Return 7.40
Loans Disbursed 13,15,199.73 Deposits Fin. Cost 5.02
Gross NPAs 29,312.36 Net Profit/Loss(-) Fin. Margin 2.38
Net NPA 10,699.68 Salary 1.73
Average Working Fund 19,38,884.00 Other Opt. Exp. 0.57
Net Profit/Loss (-) 14,962.25 Misc. Income 1.44
Gross Margin 1.52
Risk Cost 0.75
Net Margin 0.77
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
* Pandyan Grama Bank (IoB) & Pallavan Grama Bank (Indian bank) amalgamated to form Tamil Nadu Grama Bank w.e.f 1 April 2019
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
51
2019-20 Amt. in `lakh
Name of RRB: Andhra Pradesh GVB State: Telangana No. of Districts*: 24
No of Branches : 775 No. of Staff : 3305 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 9,408.50 9,408.50 Cash in Hand 14,993.45 10,404.90
Reserves 2,28,676.34 2,90,494.82 Balances with RBI 66,101.08 53,074.92
Balances in Current A/c 744.33 4,104.75
Deposits 16,05,595.57 18,49,569.07 Balances in Deposit A/c 4,48,735.80 8,13,121.95
Current 18,614.30 15,983.85 Other Investments 5,39,230.59 3,83,885.34
Savings 6,46,996.96 7,19,592.99 Loans & Advances (Net) 14,83,492.68 17,23,446.95
Term 9,39,984.31 11,13,992.23 Fixed Assets 5,986.67 6,849.86
Borrowings 6,47,100.50 8,46,587.52 Other Assets 1,04,459.82 1,32,731.68
NABARD 6,37,607.97 7,06,631.23 Accumulated Losses - -
Sponsor Banks 212.83 996.12
Others 9,279.70 1,38,960.17
Other Liabilities 1,72,963.51 1,31,560.44
TOTAL 26,63,744.42 31,27,620.35 26,63,744.42 31,27,620.35
Interest on Deposits 85,128.19 1,00,744.33 Interest on Advances 1,72,879.81 1,97,297.85
Interest on RBI/Inter Bk. Funds 47,164.75 38,302.92 Interest on Investments & Bank Balances 64,057.78 63,053.48
Interest on Others - - Commission 23,739.44 25,315.84
Wage Bill 22,175.58 26,688.73 Other Income 5,055.78 15,677.85
Other Operating Expenses 15,447.41 14,306.33
Provisions and Contingencies 84,613.04 59,545.39
Income over Expenditure 11,203.84 61,757.32 Exp. Over Income - -
TOTAL 2,65,732.81 3,01,345.02 2,65,732.81 3,01,345.02
Per Branch Productivity 4,221.21 4,879.83 CD Ratio 103.75 104.47
Per Employee Productivity 1,028.43 1,144.29 Recovery (%) 88.41 88.93
CRAR (%) 15.50 16.15 Gross NPA (%) 1.14 1.03
Net NPA (%) 0.37 0.00
Gross loans Outstanding 16,65,841.00 19,32,296.53 Loan O/s 16.00 Fin. Return 9.27 9.33
Loans Disbursed 10,25,084.85 11,80,255.57 Deposits 15.20 Fin. Cost 5.17 4.98
Gross NPAs 18,909.94 19,849.58 Net Profit/Loss(-) 451.22 Fin. Margin 4.09 4.35
Net NPA 5,561.61 - Salary 0.87 0.96
Average Working Fund 25,57,180.80 27,89,365.59 Other Opt. Exp. 0.60 0.51
Net Profit/Loss (-) 11,203.84 61,757.32 Misc. Income 1.13 1.47
Gross Margin 3.75 4.35
Risk Cost 3.31 2.13
Net Margin 0.44 2.21
*Andhra Pradesh GVB operates in 21 Districts of Telangana and 3 Districts of Andhra pradesh
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
52
2019-20 Amt. in `lakh
Name of RRB: Telangana Grameen Bank State: Telangana No. of Districts: 18
No of Branches : 421 No. of Staff : 1754 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 1,807.23 1,807.23 Cash in Hand 5,467.77 5,941.51
Reserves 67,837.68 84,948.02 Balances with RBI 30,862.89 25,385.54
Balances in Current A/c 8,622.08 10,220.63
Deposits 7,71,172.62 8,99,231.16 Balances in Deposit A/c 1,56,851.00 2,54,479.16
Current 9,673.25 8,401.23 Other Investments 2,68,463.72 2,34,556.50
Savings 2,72,424.08 3,34,587.20 Loans & Advances (Net) 6,94,611.73 8,34,602.26
Term 4,89,075.29 5,56,242.73 Fixed Assets 2,928.53 2,919.82
Borrowings 3,32,234.90 4,07,844.22 Other Assets 40,354.26 39,917.00
NABARD 3,22,209.22 3,89,036.76 Accumulated Losses - -
Sponsor Banks 5,381.14 -
Others 4,644.54 18,807.46
Other Liabilities 35,109.55 14,191.79
TOTAL 12,08,161.98 14,08,022.42 12,08,161.98 14,08,022.42
Interest on Deposits 43,951.16 47,571.70 Interest on Advances 67,500.69 79,132.68
Interest on RBI/Inter Bk. Funds 15,820.94 20,528.49 Interest on Investments & Bank Balances 29,817.48 32,015.51
Interest on Others - 287.45 Commission 10,803.66 11,009.51
Wage Bill 36,567.46 24,209.88 Other Income 7,040.72 9,554.08
Other Operating Expenses 9,476.87 8,060.89
Provisions and Contingencies 5,059.24 13,943.02
Income over Expenditure 4,286.88 17,110.35 Exp. Over Income - -
TOTAL 1,15,162.55 1,31,711.78 1,15,162.55 1,31,711.78
Per Branch Productivity 3,548.76 4,152.09 CD Ratio 91.43 94.39
Per Employee Productivity 824.74 996.60 Recovery (%) 85.65 83.87
CRAR (%) 11.22 11.63 Gross NPA (%) 2.35 2.08
Net NPA (%) 0.87 0.41
Gross loans Outstanding 7,05,111.16 8,48,797.49 Loan O/s 20.38 Fin. Return 8.75 8.85
Loans Disbursed 4,66,556.48 5,55,719.79 Deposits 16.61 Fin. Cost 5.38 5.44
Gross NPAs 16,555.44 17,633.51 Net Profit/Loss(-) 299.13 Fin. Margin 3.38 3.40
Net NPA 6,056.02 3,438.11 Salary 3.29 1.93
Average Working Fund 11,11,647.46 12,56,435.04 Other Opt. Exp. 0.85 0.64
Net Profit/Loss (-) 4,286.88 17,110.35 Misc. Income 1.61 1.64
Gross Margin 0.84 2.47
Risk Cost 0.46 1.11
Net Margin 0.39 1.36
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
53
2019-20 Amt. in `lakh
Name of RRB: Allahabad UP GB* State: Uttar Pradesh No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: Allahabad Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 6,192.79 Cash in Hand 14,029.42
Reserves 25,285.34 Balances with RBI 43,879.65
Balances in Current A/c 1,714.43
Deposits 11,28,543.11 Balances in Deposit A/c 2,45,001.80
Current 28,852.31 Other Investments 2,66,173.95
Savings 8,21,750.40 Loans & Advances (Net) 6,06,345.72
Term 2,77,940.40 Fixed Assets 3,514.69
Borrowings 34,000.37 Other Assets 33,561.90
NABARD 31,687.82 Accumulated Losses -
Sponsor Banks 1,400.95
Others 911.60
Other Liabilities 20,199.95
TOTAL 12,14,221.56 12,14,221.56
Interest on Deposits 44,425.67 Interest on Advances 33,281.50
Interest on RBI/Inter Bk. Funds 4,311.89 Interest on Investments & Bank Balances 34,621.19
Interest on Others - Commission 2,621.92
Wage Bill 26,578.68 Other Income 4,758.73
Other Operating Expenses 10,800.96
Provisions and Contingencies 40,156.73
Income over Expenditure - Exp. Over Income 50,990.59
TOTAL 1,26,273.93 1,26,273.93
Per Branch Productivity 2,768.59 CD Ratio 60.44
Per Employee Productivity 703.17 Recovery (%) 62.78
CRAR (%) 4.19 Gross NPA (%) 55.75
Net NPA (%) 50.22
Gross loans Outstanding 6,82,117.79 Loan O/s Fin. Return 5.48
Loans Disbursed 2,16,854.00 Deposits Fin. Cost 3.94
Gross NPAs 3,80,290.05 Net Profit/Loss(-) Fin. Margin 1.55
Net NPA 3,04,517.97 Salary 2.15
Average Working Fund 12,38,505.74 Other Opt. Exp. 0.87
Net Profit/Loss (-) -50,990.59 Misc. Income 0.60
Gross Margin -0.87
Risk Cost 3.24
Net Margin -4.12
*Allahabad U.P Gramin Bank Sponsored by Allahabad Bank amalgamated with Gramin Bank of Aryavart (BoI) to form Aryavart Bank (BoI) w.e.f 1 April
2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
54
2019-20 Amt. in `lakh
Name of RRB: Gramin Bank of Aryavart* State: Uttar Pradesh No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: Bank of India
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 9,193.65 Cash in Hand 14,563.09
Reserves 1,59,875.39 Balances with RBI 61,499.00
Balances in Current A/c 41,582.80
Deposits 15,08,144.80 Balances in Deposit A/c 1,60,025.00
Current 40,626.76 Other Investments 4,49,321.79
Savings 9,86,215.06 Loans & Advances (Net) 11,13,263.51
Term 4,81,302.98 Fixed Assets 4,928.29
Borrowings 1,55,022.10 Other Assets 73,729.63
NABARD 1,10,878.37 Accumulated Losses -
Sponsor Banks 32,270.65
Others 11,873.08
Other Liabilities 86,677.17
TOTAL 19,18,913.11 19,18,913.11
Interest on Deposits 68,112.55 Interest on Advances 1,24,789.84
Interest on RBI/Inter Bk. Funds 10,814.12 Interest on Investments & Bank Balances 45,195.16
Interest on Others - Commission 1,656.67
Wage Bill 27,398.38 Other Income 26,609.42
Other Operating Expenses 11,094.50
Provisions and Contingencies 68,653.36
Income over Expenditure 12,178.18 Exp. Over Income -
TOTAL 1,98,251.09 1,98,251.09
Per Branch Productivity 3,767.65 CD Ratio 77.62
Per Employee Productivity 706.81 Recovery (%) 71.09
CRAR (%) 14.25 Gross NPA (%) 9.63
Net NPA (%) 4.97
Gross loans Outstanding 11,70,652.81 Loan O/s Fin. Return 9.00
Loans Disbursed 6,46,390.38 Deposits Fin. Cost 4.18
Gross NPAs 1,12,736.25 Net Profit/Loss(-) Fin. Margin 4.82
Net NPA 55,346.95 Salary 1.45
Average Working Fund 18,88,994.80 Other Opt. Exp. 0.59
Net Profit/Loss (-) 12,178.18 Misc. Income 1.50
Gross Margin 4.28
Risk Cost 3.63
Net Margin 0.64
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
55
2019-20 Amt. in `lakh
Name of RRB: Aryavart Bank * State: Uttar Pradesh No. of Districts: 26
No of Branches : 1366 No. of Staff : 6383 Sponsor Bank: B.O.I
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 15,386.44 Cash in Hand 26,141.19
Reserves 1,89,673.73 Balances with RBI 1,15,396.00
Balances in Current A/c 81,250.04
Deposits 28,01,413.29 Balances in Deposit A/c 6,13,843.47
Current 78,567.93 Other Investments 5,89,207.82
Savings 19,25,733.03 Loans & Advances (Net) 17,48,230.10
Term 7,97,112.33 Fixed Assets 7,591.57
Borrowings 1,81,679.43 Other Assets 1,51,174.86
NABARD 49,456.44 Accumulated Losses -
Sponsor Banks 1,17,785.99
Others 14,437.00
Other Liabilities 1,44,682.16
TOTAL 33,32,835.05 33,32,835.05
Interest on Deposits 1,16,320.73 Interest on Advances 1,56,232.44
Interest on RBI/Inter Bk. Funds 8,334.46 Interest on Investments & Bank Balances 83,340.65
Interest on Others - Commission 1,684.84
Wage Bill 1,06,274.83 Other Income 32,611.54
Other Operating Expenses 20,938.17
Provisions and Contingencies 17,488.29
Income over Expenditure 4,512.99 Exp. Over Income -
TOTAL 2,73,869.47 2,73,869.47
Per Branch Productivity 3,433.36 CD Ratio 67.41
Per Employee Productivity 734.76 Recovery (%) 62.06
CRAR (%) 10.21 Gross NPA (%) 20.95
Net NPA (%) 14.61
Gross loans Outstanding 18,88,554.56 Loan O/s Fin. Return 7.35
Loans Disbursed 8,43,050.30 Deposits Fin. Cost 3.82
Gross NPAs 3,95,681.12 Net Profit/Loss(-) Fin. Margin 3.52
Net NPA 2,55,356.66 Salary 3.26
Average Working Fund 32,60,993.11 Other Opt. Exp. 0.64
Net Profit/Loss (-) 4,512.99 Misc. Income 1.05
Gross Margin 0.67
Risk Cost 0.54
Net Margin 0.14
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
*Allahabad U.P Gramin Bank Sponsored by Allahabad Bank amalgamated with Gramin Bank of Aryavart (BoI) to form Aryavart Bank (BoI) w.e.f 1
April 2019
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
56
2019-20 Amt. in `lakh
Name of RRB: Baroda UP GB State: Uttar Pradesh No. of Districts: 14
No of Branches : 924 No. of Staff : 4442 Sponsor Bank: Bank of Baroda
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 12,451.27 12,451.27 Cash in Hand 10,906.08 9,736.24
Reserves 1,19,840.53 1,23,657.00 Balances with RBI 80,400.36 88,921.11
Balances in Current A/c 37,630.48 54,629.28
Deposits 20,51,703.22 22,57,810.73 Balances in Deposit A/c 2,32,349.82 2,50,368.45
Current 30,417.08 28,047.38 Other Investments 11,56,453.44 13,13,207.46
Savings 14,14,608.20 15,52,746.74 Loans & Advances (Net) 8,37,216.28 8,61,633.31
Term 6,06,677.94 6,77,016.61 Fixed Assets 1,813.16 1,783.97
Borrowings 1,57,927.60 1,64,288.31 Other Assets 58,407.06 86,470.75
NABARD 1,51,596.42 1,61,731.74 Accumulated Losses - -
Sponsor Banks 71.94 1,016.80
Others 6,259.24 1,539.77
Other Liabilities 73,254.06 1,08,543.26
TOTAL 24,15,176.68 26,66,750.57 24,15,176.68 26,66,750.57
Interest on Deposits 84,367.76 96,518.39 Interest on Advances 72,707.94 79,123.98
Interest on RBI/Inter Bk. Funds 12,090.63 8,902.31 Interest on Investments & Bank Balances 1,04,901.74 1,14,071.72
Interest on Others - - Commission 1,559.02 1,578.79
Wage Bill 51,732.37 37,165.50 Other Income 9,521.40 14,205.79
Other Operating Expenses 23,058.88 57,612.60
Provisions and Contingencies 7,320.01 4,965.01
Income over Expenditure 10,120.45 3,816.47 Exp. Over Income - -
TOTAL 1,88,690.10 2,08,980.28 1,88,690.10 2,08,980.28
Per Branch Productivity 3,172.13 3,418.18 CD Ratio 42.86 39.89
Per Employee Productivity 745.43 711.03 Recovery (%) 72.68 71.76
CRAR (%) 14.76 13.19 Gross NPA (%) 8.50 9.51
Net NPA (%) 3.95 5.47
Gross loans Outstanding 8,79,344.17 9,00,589.45 Loan O/s 2.42 Fin. Return 7.42 7.62
Loans Disbursed 7,69,462.50 7,88,928.13 Deposits 10.05 Fin. Cost 4.03 4.16
Gross NPAs 74,778.74 85,628.08 Net Profit/Loss(-) -62.29 Fin. Margin 3.39 3.46
Net NPA 33,099.10 47,119.49 Salary 2.16 1.47
Average Working Fund 23,94,334.98 25,34,298.38 Other Opt. Exp. 0.96 2.27
Net Profit/Loss (-) 10,120.45 3,816.47 Misc. Income 0.46 0.62
Gross Margin 0.73 0.35
Risk Cost 0.31 0.20
Net Margin 0.42 0.15
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
* Baroda Uttar Pradesh Gramin Bank, Kashi Gomti Samyut Gramin Bank and Purvanchal Bank were amalgamated to form Baroda U.P. Bank under
the sponsorship of Bank of Baroda with effect from 1 April 2020.
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
57
2019-20 Amt. in `lakh
Name of RRB: Kashi Gomati Samyut GB* State: Uttar Pradesh No. of Districts: 8
No of Branches : 459 No. of Staff : 2073 Sponsor Bank: Union BoI
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 4,560.60 4,560.60 Cash in Hand 8,564.34 8,140.60
Reserves 56,385.18 29,720.40 Balances with RBI 46,466.09 48,946.09
Balances in Current A/c 15,135.63 11,263.63
Deposits 11,78,249.62 12,28,168.69 Balances in Deposit A/c 4,43,158.74 5,09,436.15
Current 34,851.12 32,842.62 Other Investments 3,74,688.20 3,18,153.92
Savings 6,91,737.37 7,25,383.61 Loans & Advances (Net) 3,76,453.01 4,15,550.31
Term 4,51,661.13 4,69,942.46 Fixed Assets 1,576.40 1,553.70
Borrowings 36,955.86 33,595.74 Other Assets 34,164.31 38,958.63
NABARD 21,222.69 19,852.58 Accumulated Losses - -
Sponsor Banks 7,340.28 7,444.20
Others 8,392.89 6,298.96
Other Liabilities 24,055.46 55,957.60
TOTAL 13,00,206.72 13,52,003.03 13,00,206.72 13,52,003.03
Interest on Deposits 55,691.09 56,619.02 Interest on Advances 32,959.93 37,176.77
Interest on RBI/Inter Bk. Funds 3,231.38 3,122.69 Interest on Investments & Bank Balances 59,999.14 59,435.40
Interest on Others - - Commission 612.04 595.54
Wage Bill 18,283.63 24,565.50 Other Income 3,588.44 2,256.02
Other Operating Expenses 15,879.34 49,984.54
Provisions and Contingencies 841.70 -8,163.24
Income over Expenditure 3,232.41 - Exp. Over Income - 26,664.78
TOTAL 97,159.55 1,26,128.51 97,159.55 1,26,128.51
Per Branch Productivity 3,429.85 3,627.36 CD Ratio 33.61 35.56
Per Employee Productivity 726.82 803.16 Recovery (%) 61.77 61.59
CRAR (%) 14.61 6.87 Gross NPA (%) 8.88 11.81
Net NPA (%) 4.03 7.21
Gross loans Outstanding 3,96,051.18 4,36,790.63 Loan O/s 10.29 Fin. Return 7.43 7.34
Loans Disbursed 3,31,652.00 2,06,591.00 Deposits 4.24 Fin. Cost 4.71 4.54
Gross NPAs 35,184.80 51,590.00 Net Profit/Loss(-) -924.92 Fin. Margin 2.72 2.80
Net NPA 15,168.74 29,967.28 Salary 1.46 1.87
Average Working Fund 12,50,951.00 13,16,297.04 Other Opt. Exp. 1.27 3.80
Net Profit/Loss (-) 3,232.41 -26,664.78 Misc. Income 0.34 0.22
Gross Margin 0.33 -2.65
Risk Cost 0.07 -0.62
Net Margin 0.26 -2.03
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
* Baroda Uttar Pradesh Gramin Bank, Kashi Gomti Samyut Gramin Bank and Purvanchal Bank were amalgamated to form Baroda U.P. Bank under
the sponsorship of Bank of Baroda with effect from 1 April 2020.
TOTAL
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
58
2019-20 Amt. in `lakh
Name of RRB: Purvanchal Bank * State: Uttar Pradesh No. of Districts: 11
No of Branches : 600 No. of Staff : 2190 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 3,773.29 3,773.29 Cash in Hand 10,076.03 8,668.24
Reserves 72,678.34 53,830.07 Balances with RBI 52,180.50 58,222.66
Balances in Current A/c 15,034.86 15,245.46
Deposits 12,55,026.46 14,04,671.37 Balances in Deposit A/c 5,95,196.34 7,87,115.62
Current 27,280.61 20,540.59 Other Investments 2,99,184.72 3,27,466.18
Savings 8,39,625.39 9,55,894.92 Loans & Advances (Net) 4,24,805.11 4,28,536.24
Term 3,88,120.46 4,28,235.86 Fixed Assets 2,358.78 2,265.48
Borrowings 55,773.53 1,32,490.79 Other Assets 51,078.90 52,405.28
NABARD 51,763.00 1,22,410.18 Accumulated Losses - -
Sponsor Banks - -
Others 4,010.53 10,080.61
Other Liabilities 62,663.62 85,159.64
TOTAL 14,49,915.24 16,79,925.16 14,49,915.24 16,79,925.16
Interest on Deposits 56,763.14 62,308.97 Interest on Advances 37,153.59 35,183.05
Interest on RBI/Inter Bk. Funds 3,496.72 3,569.15 Interest on Investments & Bank Balances 63,982.86 73,380.10
Interest on Others - - Commission 6,569.15 6,978.26
Wage Bill 26,414.74 47,354.03 Other Income 5,419.10 7,438.78
Other Operating Expenses 19,445.55 14,437.30
Provisions and Contingencies 5,000.00 14,159.01
Income over Expenditure 2,004.55 - Exp. Over Income - 18,848.27
TOTAL 1,13,124.70 1,41,828.46 1,13,124.70 1,41,828.46
Per Branch Productivity 2,832.68 3,110.45 CD Ratio 35.42 32.86
Per Employee Productivity 751.04 852.18 Recovery (%) 71.63 72.31
CRAR (%) 13.61 9.22 Gross NPA (%) 7.83 13.77
Net NPA (%) 0.00 7.63
Gross loans Outstanding 4,44,581.58 4,61,597.83 Loan O/s 3.83 Fin. Return 7.56 7.21
Loans Disbursed 6,15,493.00 5,61,543.00 Deposits 11.92 Fin. Cost 4.51 4.38
Gross NPAs 34,829.67 63,573.08 Net Profit/Loss(-) ###### Fin. Margin 3.06 2.84
Net NPA - 32,696.33 Salary 1.97 3.15
Average Working Fund 13,37,517.13 15,05,362.71 Other Opt. Exp. 1.45 0.96
Net Profit/Loss (-) 2,004.55 -18,848.27 Misc. Income 0.90 0.96
Gross Margin 0.52 -0.31
Risk Cost 0.37 0.94
Net Margin 0.15 -1.25
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
* Baroda Uttar Pradesh Gramin Bank, Kashi Gomti Samyut Gramin Bank and Purvanchal Bank were amalgamated to form Baroda U.P. Bank under
the sponsorship of Bank of Baroda with effect from 1 April 2020.
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
59
2019-20 Amt. in `lakh
Name of RRB: Sarva UP GB State: Uttar Pradesh No. of Districts:
No of Branches : No. of Staff : Sponsor Bank: P.N.B.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 5,177.81 Cash in Hand 11,202.28
Reserves 73,906.87 Balances with RBI 35,742.69
Balances in Current A/c 8,533.47
Deposits 9,65,863.09 Balances in Deposit A/c 1,69,339.85
Current 31,791.14 Other Investments 1,97,730.54
Savings 6,44,571.99 Loans & Advances (Net) 6,81,043.34
Term 2,89,499.96 Fixed Assets 3,568.36
Borrowings 69,086.37 Other Assets 39,128.40
NABARD 65,553.77 Accumulated Losses -
Sponsor Banks 28.17
Others 3,504.43
Other Liabilities 32,254.79
TOTAL 11,46,288.93 11,46,288.93
Interest on Deposits 39,211.48 Interest on Advances 61,495.24
Interest on RBI/Inter Bk. Funds 5,788.29 Interest on Investments & Bank Balances 26,384.41
Interest on Others - Commission 496.06
Wage Bill 19,571.01 Other Income 6,334.57
Other Operating Expenses 7,650.87
Provisions and Contingencies 11,608.19
Income over Expenditure 10,880.44 Exp. Over Income -
TOTAL 94,710.28 94,710.28
Per Branch Productivity 3,276.73 CD Ratio 78.11
Per Employee Productivity 899.26 Recovery (%) 86.41
CRAR (%) 12.68 Gross NPA (%) 5.38
Net NPA (%) 1.83
Gross loans Outstanding 7,54,418.24 Loan O/s Fin. Return 8.99
Loans Disbursed 5,49,704.81 Deposits Fin. Cost 4.60
Gross NPAs 40,617.27 Net Profit/Loss(-) Fin. Margin 4.39
Net NPA 12,430.01 Salary 2.00
Average Working Fund 9,77,662.97 Other Opt. Exp. 0.78
Net Profit/Loss (-) 10,880.44 Misc. Income 0.70
Gross Margin 2.30
Risk Cost 1.19
Net Margin 1.11
* Prathama Bank (Syndicate Bank) & Sarva U.P GB (PNB) amalgamated to form Prathama U.P Gramin Bank (PNB) w.e.f 1 April 2019
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
60
2019-20 Amt. in `lakh
Name of RRB: Prathama U.P. Gramin Bank * State: Uttar Pradesh No. of Districts: 20
No of Branches : 939 No. of Staff : 3984 Sponsor Bank: P.N.B
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 6,052.57 Cash in Hand 12,562.72
Reserves 1,64,733.87 Balances with RBI 70,577.67
Balances in Current A/c 3,239.27
Deposits 18,14,069.18 Balances in Deposit A/c 2,13,089.88
Current 69,857.09 Other Investments 4,39,897.15
Savings 12,07,776.29 Loans & Advances (Net) 13,82,631.37
Term 5,36,435.80 Fixed Assets 6,358.75
Borrowings 1,76,334.51 Other Assets 91,148.35
NABARD 1,76,310.15 Accumulated Losses -
Sponsor Banks 24.36
Others -
Other Liabilities 58,315.03
TOTAL 22,19,505.16 22,19,505.16
Interest on Deposits 75,713.48 Interest on Advances 1,39,385.43
Interest on RBI/Inter Bk. Funds 11,257.95 Interest on Investments & Bank Balances 47,394.80
Interest on Others - Commission 843.67
Wage Bill 47,780.14 Other Income 18,747.70
Other Operating Expenses 22,576.74
Provisions and Contingencies 30,300.92
Income over Expenditure 18,742.37 Exp. Over Income -
TOTAL 2,06,371.60 2,06,371.60
Per Branch Productivity 3,527.18 CD Ratio 82.57
Per Employee Productivity 831.33 Recovery (%) 78.87
CRAR (%) 12.63 Gross NPA (%) 7.81
Net NPA (%) 1.63
Gross loans Outstanding 14,97,955.64 Loan O/s Fin. Return 8.67
Loans Disbursed 19,97,385.26 Deposits Fin. Cost 4.04
Gross NPAs 1,17,049.89 Net Profit/Loss(-) Fin. Margin 4.63
Net NPA 22,585.10 Salary 2.22
Average Working Fund 21,54,723.46 Other Opt. Exp. 1.05
Net Profit/Loss (-) 18,742.37 Misc. Income 0.91
Gross Margin 2.28
Risk Cost 1.41
Net Margin 0.87
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
*Prathama Bank Sponsored by Syndicate Bank amalgamated with Sarva U.P. Gramin Bank (PNB) to form Prathama U.P. Gramin Bank (PNB) w.e.f 1
April 2019
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
61
2019-20 Amt. in `lakh
Name of RRB: Uttarakhand GB State: Uttarakhand No. of Districts: 13
No of Branches : 286 No. of Staff : 1105 Sponsor Bank: S.B.I.
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 4,214.87 4,214.87 Cash in Hand 1,878.24 2,830.23
Reserves 16,998.88 16,954.21 Balances with RBI 20,100.00 16,760.00
Balances in Current A/c 2,779.02 7,708.70
Deposits 5,00,794.02 5,46,975.74 Balances in Deposit A/c 70,073.61 77,363.67
Current 12,436.88 12,089.61 Other Investments 2,30,930.35 2,51,796.47
Savings 2,72,803.35 2,95,503.32 Loans & Advances (Net) 2,16,836.43 2,31,030.74
Term 2,15,553.79 2,39,382.81 Fixed Assets 1,364.25 1,263.97
Borrowings 15,076.43 12,497.44 Other Assets 10,891.23 10,110.07
NABARD 14,448.19 12,056.94 Accumulated Losses - 7,923.78
Sponsor Banks - -
Others 628.24 440.50
Other Liabilities 17,768.93 26,145.37
TOTAL 5,54,853.13 6,06,787.63 5,54,853.13 6,06,787.63
Interest on Deposits 23,490.32 25,813.59 Interest on Advances 20,697.65 21,952.17
Interest on RBI/Inter Bk. Funds 683.14 686.35 Interest on Investments & Bank Balances 21,671.54 23,498.33
Interest on Others - - Commission 1,860.15 1,996.09
Wage Bill 9,100.77 10,143.83 Other Income 1,161.01 1,494.57
Other Operating Expenses 6,007.55 18,363.81
Provisions and Contingencies 4,625.40 1,857.36
Income over Expenditure 1,483.17 - Exp. Over Income - 7,923.78
TOTAL 45,390.35 56,864.94 45,390.35 56,864.94
Per Branch Productivity 2,548.63 2,760.14 CD Ratio 45.55 44.32
Per Employee Productivity 627.29 714.39 Recovery (%) 82.95 83.42
CRAR (%) 9.48 6.12 Gross NPA (%) 7.30 7.30
Net NPA (%) 3.21 3.53
Gross loans Outstanding 2,28,115.33 2,42,425.65 Loan O/s 6.27 Fin. Return 8.05 7.97
Loans Disbursed 1,45,026.91 1,51,192.93 Deposits 9.22 Fin. Cost 4.59 4.64
Gross NPAs 16,653.95 17,707.72 Net Profit/Loss(-) -634.25 Fin. Margin 3.46 3.32
Net NPA 6,954.34 8,166.52 Salary 1.73 1.78
Average Working Fund 5,26,119.63 5,70,560.15 Other Opt. Exp. 1.14 3.22
Net Profit/Loss (-) 1,483.17 -7,923.78 Misc. Income 0.57 0.61
Gross Margin 1.16 -1.06
Risk Cost 0.88 0.33
Net Margin 0.28 -1.39
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
62
2019-20 Amt. in `lakh
Name of RRB: Bangiya GVB State: West Bengal No. of Districts: 12
No of Branches : 587 No. of Staff : 2388 Sponsor Bank: United BoI
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 64,380.22 83,311.22 Cash in Hand 8,991.90 14,322.03
Reserves - - Balances with RBI 65,715.30 48,880.90
Balances in Current A/c 16,846.85 32,083.78
Deposits 15,47,042.20 16,40,647.01 Balances in Deposit A/c - -
Current 36,369.80 47,357.71 Other Investments 9,29,603.67 9,89,225.15
Savings 8,28,419.18 9,01,753.51 Loans & Advances (Net) 5,81,987.99 5,69,461.99
Term 6,82,253.22 6,91,535.79 Fixed Assets 3,891.31 3,347.25
Borrowings 45,242.86 5,938.01 Other Assets 59,435.70 61,146.94
NABARD 3,305.11 1,000.01 Accumulated Losses 58,693.93 1,04,819.48
Sponsor Banks 36,999.75 -
Others 4,938.00 4,938.00
Other Liabilities 68,501.37 93,391.28
TOTAL 17,25,166.65 18,23,287.52 17,25,166.65 18,23,287.52
Interest on Deposits 76,194.78 78,623.85 Interest on Advances 50,241.00 50,524.43
Interest on RBI/Inter Bk. Funds 1,227.23 812.64 Interest on Investments & Bank Balances 68,019.96 71,346.20
Interest on Others - - Commission 955.50 1,130.36
Wage Bill 47,098.02 65,636.17 Other Income 8,229.90 13,523.44
Other Operating Expenses 9,346.02 11,148.65
Provisions and Contingencies 21,328.39 26,428.67
Income over Expenditure - - Exp. Over Income 27,748.08 46,125.55
TOTAL 1,55,194.44 1,82,649.98 1,55,194.44 1,82,649.98
Per Branch Productivity 3,711.45 3,869.86 CD Ratio 40.82 38.46
Per Employee Productivity 836.96 951.26 Recovery (%) 66.23 64.95
CRAR (%) 1.91 -3.29 Gross NPA (%) 21.71 21.67
Net NPA (%) 15.04 13.21
Gross loans Outstanding 6,31,576.03 6,30,960.62 Loan O/s -0.10 Fin. Return 7.71 7.41
Loans Disbursed 4,10,064.76 4,40,100.60 Deposits 6.05 Fin. Cost 5.04 4.83
Gross NPAs 1,37,133.57 1,36,716.00 Net Profit/Loss(-) 66.23 Fin. Margin 2.66 2.58
Net NPA 87,545.53 75,217.00 Salary 3.07 3.99
Average Working Fund 15,34,698.00 16,44,060.00 Other Opt. Exp. 0.61 0.68
Net Profit/Loss (-) -27,748.08 -46,125.55 Misc. Income 0.60 0.89
Gross Margin -0.42 -1.20
Risk Cost 1.39 1.61
Net Margin -1.81 -2.81
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
63
2019-20 Amt. in `lakh
Name of RRB: Paschim Banga GB State: West Bengal No. of Districts: 5
No of Branches : 230 No. of Staff : 989 Sponsor Bank: UCO Bank
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 30,901.95 30,901.95 Cash in Hand 1,744.10 3,259.42
Reserves - - Balances with RBI 20,647.17 22,157.14
Balances in Current A/c 8,585.53 12,569.38
Deposits 5,18,130.42 5,53,173.69 Balances in Deposit A/c 1,25,828.23 1,37,865.07
Current 4,619.85 4,567.50 Other Investments 1,41,982.58 1,28,822.66
Savings 2,79,314.85 3,01,528.28 Loans & Advances (Net) 2,73,953.25 2,79,112.07
Term 2,34,195.72 2,47,077.91 Fixed Assets 1,025.52 1,065.87
Borrowings 23,700.37 13,829.60 Other Assets 14,143.38 13,538.83
NABARD 20,979.67 13,108.94 Accumulated Losses 10,117.08 24,389.60
Sponsor Banks 2,000.00 -
Others 720.70 720.66
Other Liabilities 25,294.10 24,874.80
TOTAL 5,98,026.84 6,22,780.04 5,98,026.84 6,22,780.04
Interest on Deposits 24,358.05 25,809.17 Interest on Advances 24,304.35 28,628.68
Interest on RBI/Inter Bk. Funds 1,404.86 913.33 Interest on Investments & Bank Balances 19,970.90 19,660.92
Interest on Others - - Commission 408.13 397.89
Wage Bill 8,964.39 26,353.90 Other Income 3,001.29 3,588.27
Other Operating Expenses 3,732.19 4,279.08
Provisions and Contingencies 8,545.42 9,192.80
Income over Expenditure 679.76 - Exp. Over Income - 14,272.52
TOTAL 47,684.67 66,548.28 47,684.67 66,548.28
Per Branch Productivity 3,443.84 3,689.83 CD Ratio 52.87 53.42
Per Employee Productivity 785.02 858.10 Recovery (%) 65.68 74.24
CRAR (%) 10.00 3.20 Gross NPA (%) 13.76 14.31
Net NPA (%) 9.05 9.28
Gross loans Outstanding 2,73,953.25 2,95,488.07 Loan O/s 7.86 Fin. Return 7.94 8.24
Loans Disbursed 1,99,819.77 2,91,250.66 Deposits 6.76 Fin. Cost 4.62 4.56
Gross NPAs 37,696.09 42,286.34 Net Profit/Loss(-) -2199.64 Fin. Margin 3.32 3.68
Net NPA 24,793.96 25,909.78 Salary 1.61 4.50
Average Working Fund 5,57,751.61 5,85,872.63 Other Opt. Exp. 0.67 0.73
Net Profit/Loss (-) 679.76 -14,272.52 Misc. Income 0.61 0.68
Gross Margin 1.65 -0.87
Risk Cost 1.53 1.57
Net Margin 0.12 -2.44
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
64
PART IIISTATE-WISE SUMMARY
65
2019-20 Amt. in `lakh
Name of the State: Andhra Pradesh Total RRBs: 3
No. of Districts: 10 No of Branches : 995 No. of Staff : 4607
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 6,755.53 6,755.53 Cash in Hand 25,423.56 18,785.84
Reserves 3,22,754.69 3,71,013.84 Balances with RBI 1,13,922.02 86,209.48
Balances in Current A/c 21,917.89 84,088.73
Deposits 24,53,310.54 28,05,388.67 Balances in Deposit A/c 2,67,080.64 6,18,424.21
Current 96,332.05 72,300.90 Other Investments 7,13,919.89 6,73,557.19
Savings 7,43,769.12 7,75,639.49 Loans & Advances (Net) 23,53,787.83 25,47,419.48
Term 16,13,209.37 19,57,448.28 Fixed Assets 8,439.63 7,731.42
Borrowings 7,20,503.93 8,80,843.47 Other Assets 1,29,191.22 1,82,334.75
NABARD 7,10,209.57 8,26,411.71 Accumulated Losses - -
Sponsor Banks 1,429.07 50,001.30
Others 8,865.29 4,430.46
Other Liabilities 1,30,357.99 1,54,549.59
TOTAL 36,33,682.68 42,18,551.10 36,33,682.68 42,18,551.10
Interest on Deposits 1,34,862.88 1,56,500.60 Interest on Advances 2,32,699.58 2,63,448.91
Interest on RBI/Inter Bk. Funds 45,184.73 43,216.88 Interest on Investments & Bank Balances 71,434.58 77,501.49
Interest on Others 2,529.95 5,771.82 Commission 1,687.79 1,519.27
Wage Bill 60,725.09 78,943.96 Other Income 35,491.75 46,887.86
Other Operating Expenses 20,021.74 19,807.19
Provisions and Contingencies 38,096.07 36,857.93
Income over Expenditure 39,893.24 48,259.15 Exp. Over Income - -
No. of RRBs in Profit 3 3 No. of RRBs in Loss 0 0
TOTAL 3,41,313.70 3,89,357.53 3,41,313.70 3,89,357.53
Per Branch Productivity 4,887.47 5,421.24 CD Ratio 97.23 92.28
Per Employee Productivity 1,076.44 1,170.86 Recovery (%) 85.02 85.38
Gross NPA (%) 1.75 1.57
Net NPA (%) 0.03 0.04
Gross loans Outstanding 23,85,282.15 25,88,744.02 Loan O/s 8.53 Fin. Return 9.26 9.35
Loans Disbursed 21,24,746.68 24,54,546.20 Deposits 14.35 Fin. Cost 5.56 5.63
Gross NPAs 41,648.69 40,741.52 Net Profit/Loss(-) 20.97 Fin. Margin 3.70 3.71
Net NPA 628.34 1,125.40 Salary 1.85 2.16
Average Working Fund 32,83,447.61 36,47,513.91 Other Opt. Exp. 0.61 0.54
Net Profit/Loss (-) 39,893.24 48,259.15 Misc. Income 1.13 1.33
Gross Margin 2.38 2.33
Risk Cost 1.16 1.01
Net Margin 1.21 1.32
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
66
2019-20 Amt. in `lakh
Name of the State: Arunachal Pradesh Total RRBs: 1
No. of Districts: 13 No of Branches : 30 No. of Staff : 104
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 5,878.04 5,878.04 Cash in Hand 591.59 579.83
Reserves - 155.00 Balances with RBI 3,040.50 2,960.50
Balances in Current A/c 813.21 4,892.21
Deposits 70,969.12 73,370.89 Balances in Deposit A/c 29,293.69 28,315.00
Current 13,433.52 14,259.89 Other Investments 23,172.66 24,100.75
Savings 35,493.45 36,829.83 Loans & Advances (Net) 19,138.40 15,422.91
Term 22,042.15 22,281.17 Fixed Assets 185.75 275.85
Borrowings 105.93 99.27 Other Assets 2,329.82 1,984.87
NABARD - - Accumulated Losses 3,782.69 3,608.98
Sponsor Banks 86.07 -
Others 19.86 99.27
Other Liabilities 5,395.22 2,637.70
TOTAL 82,348.31 82,140.90 82,348.31 82,140.90
Interest on Deposits 3,204.12 3,176.87 Interest on Advances 2,260.41 2,103.83
Interest on RBI/Inter Bk. Funds 6.64 - Interest on Investments & Bank Balances 2,623.68 3,004.33
Interest on Others - - Commission 171.39 135.73
Wage Bill 1,741.53 1,512.07 Other Income 949.56 961.05
Other Operating Expenses 550.08 575.40
Provisions and Contingencies 496.60 611.89
Income over Expenditure 6.07 328.71 Exp. Over Income - -
No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0
TOTAL 6,005.04 6,204.94 6,005.04 6,204.94
Per Branch Productivity 3,022.06 2,982.52 CD Ratio 27.75 21.95
Per Employee Productivity 855.30 860.34 Recovery (%) 61.28 61.28
Gross NPA (%) 5.01 5.59
Net NPA (%) 2.26 1.04
Gross loans Outstanding 19,692.63 16,104.79 Loan O/s -18.22 Fin. Return 7.00 7.08
Loans Disbursed 12,725.92 6,811.82 Deposits 3.38 Fin. Cost 4.60 4.40
Gross NPAs 987.58 899.80 Net Profit/Loss(-) 5,315 Fin. Margin 2.40 2.68
Net NPA 433.37 160.47 Salary 2.50 2.09
Average Working Fund 69,751.51 72,186.49 Other Opt. Exp. 0.79 0.80
Net Profit/Loss (-) 6.07 328.71 Misc. Income 1.61 1.52
Gross Margin 0.72 1.30
Risk Cost 0.71 0.85
Net Margin 0.01 0.46
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
67
68
2019-20 Amt. in `lakh
Name of the State: Assam Total RRBs: 1
No. of Districts: 33 No of Branches : 473 No. of Staff : 1847
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 12,057.37 16,205.37 Cash in Hand 6,178.85 6,185.47
Reserves 15,891.06 35,184.88 Balances with RBI 39,749.10 43,400.00
Balances in Current A/c 39,067.89 24,329.28
Deposits 10,14,846.72 11,11,834.93 Balances in Deposit A/c 1,59,860.12 2,60,226.30
Current 58,371.32 52,034.46 Other Investments 4,33,309.22 4,17,625.76
Savings 6,69,976.04 7,68,967.19 Loans & Advances (Net) 3,62,437.39 3,53,902.95
Term 2,86,499.36 2,90,833.28 Fixed Assets 3,499.99 3,228.16
Borrowings 35,625.73 8,102.14 Other Assets 65,115.54 59,167.88
NABARD 15,594.07 8,054.17 Accumulated Losses - 37,162.23
Sponsor Banks 19,836.65 -
Others 195.01 47.97
Other Liabilities 30,797.22 33,900.71
TOTAL 11,09,218.10 12,05,228.03 11,09,218.10 12,05,228.03
Interest on Deposits 42,330.98 44,961.08 Interest on Advances 27,060.16 24,738.89
Interest on RBI/Inter Bk. Funds 1,485.04 706.04 Interest on Investments & Bank Balances 38,325.38 41,364.45
Interest on Others 10.74 - Commission 1,198.17 777.32
Wage Bill 18,087.63 44,719.05 Other Income 4,793.35 18,218.02
Other Operating Expenses 7,429.16 8,425.98
Provisions and Contingencies 6,786.97 5,054.94
Income over Expenditure 167.31 - Exp. Over Income 4,920.77 18,768.41
No. of RRBs in Profit 1 - No. of RRBs in Loss 1 1
TOTAL 76,297.83 1,03,867.09 76,297.83 1,03,867.09
Per Branch Productivity 3,019.79 3,205.34 CD Ratio 40.75 36.36
Per Employee Productivity 733.62 820.86 Recovery (%) 53.75 68.19
Gross NPA (%) 41.67 37.14
Net NPA (%) 33.45 28.19
Gross loans Outstanding 4,13,513.21 4,04,290.75 Loan O/s -2.23 Fin. Return 6.22 6.34
Loans Disbursed 85,937.43 1,15,952.90 Deposits 9.56 Fin. Cost 4.17 4.38
Gross NPAs 1,72,304.59 1,50,162.30 Net Profit/Loss(-) 294.84 Fin. Margin 2.05 1.96
Net NPA 1,21,245.72 99,774.50 Salary 1.72 4.29
Average Working Fund 10,50,914.25 10,42,131.55 Other Opt. Exp. 0.71 0.81
Net Profit/Loss (-) -4,753.46 -18,768.41 Misc. Income 0.57 1.82
Gross Margin 0.19 -1.32
Risk Cost 0.65 0.49
Net Margin -0.45 -1.80
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
2019-20 Amt. in `lakh
Name of the State: Bihar Total RRBs: 2
No. of Districts: 38 No of Branches : 2110 No. of Staff : 7383
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 73,601.33 94,867.33 Cash in Hand 23,430.96 20,960.80
Reserves 33,798.46 30,598.92 Balances with RBI 1,35,540.51 1,48,230.89
Balances in Current A/c 32,520.75 40,510.77
Deposits 34,06,126.70 36,55,771.96 Balances in Deposit A/c 7,43,037.34 7,81,429.23
Current 1,24,602.01 1,03,143.30 Other Investments 13,47,841.35 11,89,314.57
Savings 22,88,628.08 24,21,018.59 Loans & Advances (Net) 16,07,448.66 16,90,551.72
Term 9,92,896.61 11,31,610.07 Fixed Assets 8,833.88 6,376.53
Borrowings 5,11,490.68 2,60,282.07 Other Assets 1,81,581.23 2,56,444.48
NABARD 4,70,354.77 2,43,508.98 Accumulated Losses - 59,766.16
Sponsor Banks 34,368.74 10,443.44
Others 6,767.17 6,329.65
Other Liabilities 55,217.51 1,52,064.87
TOTAL 40,80,234.68 41,93,585.15 40,80,234.68 41,93,585.15
Interest on Deposits 85,061.90 1,49,971.43 Interest on Advances 76,295.49 1,52,148.23
Interest on RBI/Inter Bk. Funds 18,392.16 22,957.17 Interest on Investments & Bank Balances 90,184.29 1,56,806.82
Interest on Others 64.65 331.65 Commission 4,216.33 4,481.72
Wage Bill 32,848.37 1,07,535.23 Other Income 10,637.26 21,137.50
Other Operating Expenses 33,474.21 73,982.42
Provisions and Contingencies 32,522.31 42,762.05
Income over Expenditure 1,677.86 - Exp. Over Income 22,708.09 62,965.68
No. of RRBs in Profit 1 - No. of RRBs in Loss 1 2
TOTAL 2,04,041.46 3,97,539.95 2,04,041.46 3,97,539.95
Per Branch Productivity 2,447.77 2,624.87 CD Ratio 51.63 51.50
Per Employee Productivity 664.20 750.16 Recovery (%) 43.26 40.21
Gross NPA (%) 26.61 24.16
Net NPA (%) 19.71 15.54
Gross loans Outstanding 17,58,671.47 18,82,695.38 Loan O/s 7.05 Fin. Return 4.22 7.78
Loans Disbursed 20,73,015.00 18,89,096.00 Deposits 7.33 Fin. Cost 2.62 4.36
Gross NPAs 4,67,970.80 4,54,935.03 Net Profit/Loss(-) 199.41 Fin. Margin 1.60 3.42
Net NPA 3,16,748.00 2,62,791.29 Salary 0.83 2.71
Average Working Fund 39,45,537.47 39,70,172.54 Other Opt. Exp. 0.85 1.86
Net Profit/Loss (-) -21,030.23 -62,965.68 Misc. Income 0.38 0.65
Gross Margin 0.29 -0.51
Risk Cost 0.82 1.08
Net Margin -0.53 -1.59
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
69
2019-20 Amt. in `lakh
Name of the State: Chhattisgarh Total RRBs: 1
No. of Districts: 28 No of Branches : 613 No. of Staff : 2290
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 21,589.11 21,589.11 Cash in Hand 5,009.86 5,459.17
Reserves 72,018.21 72,964.44 Balances with RBI 46,943.07 37,093.27
Balances in Current A/c 1,184.39 3,279.93
Deposits 10,51,784.30 11,33,177.20 Balances in Deposit A/c 4,97,286.86 3,34,159.99
Current 27,067.90 31,817.30 Other Investments 3,40,292.10 5,42,555.05
Savings 7,22,860.53 7,67,859.32 Loans & Advances (Net) 2,82,903.32 3,38,976.73
Term 3,01,855.87 3,33,500.58 Fixed Assets 3,045.33 3,154.28
Borrowings 62,767.28 15,062.71 Other Assets 83,571.75 42,915.58
NABARD 4,367.32 6,153.81 Accumulated Losses - -
Sponsor Banks 58,135.58 7,579.79
Others 264.38 1,329.11
Other Liabilities 52,077.78 64,800.54
TOTAL 12,60,236.68 13,07,594.00 12,60,236.68 13,07,594.00
Interest on Deposits 44,894.49 47,919.86 Interest on Advances 22,282.89 33,572.58
Interest on RBI/Inter Bk. Funds 684.61 730.65 Interest on Investments & Bank Balances 59,701.37 60,323.72
Interest on Others - - Commission 8,057.72 9,536.40
Wage Bill 28,967.84 44,851.90 Other Income 4,444.12 5,972.74
Other Operating Expenses 8,127.13 8,057.78
Provisions and Contingencies 8,424.87 6,840.20
Income over Expenditure 3,387.16 1,005.05 Exp. Over Income - -
No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0
TOTAL 94,486.10 1,09,405.44 94,486.10 1,09,405.44
Per Branch Productivity 2,212.84 2,421.32 CD Ratio 28.97 30.98
Per Employee Productivity 571.14 648.15 Recovery (%) 80.54 82.29
Gross NPA (%) 13.65 5.54
Net NPA (%) 6.98 2.13
Gross loans Outstanding 3,04,684.62 3,51,094.83 Loan O/s 15.23 Fin. Return 6.84 7.43
Loans Disbursed 1,47,236.22 2,39,165.02 Deposits 7.74 Fin. Cost 3.80 3.85
Gross NPAs 41,591.75 19,450.96 Net Profit/Loss(-) -70.33 Fin. Margin 3.04 3.58
Net NPA 19,750.45 7,231.43 Salary 2.42 3.55
Average Working Fund 11,98,265.00 12,64,448.85 Other Opt. Exp. 0.68 0.64
Net Profit/Loss (-) 3,387.16 1,005.05 Misc. Income 1.04 1.23
Gross Margin 0.99 0.62
Risk Cost 0.70 0.54
Net Margin 0.28 0.08
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
70
71
2019-20 Amt. in `lakh
Name of the State: Gujarat Total RRBs: 2
No. of Districts: 33 No of Branches : 748 No. of Staff : 2692
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 10,281.50 10,281.50 Cash in Hand 5,992.47 5,570.45
Reserves 64,692.93 68,135.91 Balances with RBI 55,356.26 76,975.35
Balances in Current A/c 9,430.24 16,575.20
Deposits 14,03,062.18 15,33,316.65 Balances in Deposit A/c 2,29,616.68 1,98,328.32
Current 43,096.70 24,765.71 Other Investments 4,31,290.85 4,77,235.26
Savings 6,26,067.93 6,81,525.31 Loans & Advances (Net) 8,47,726.80 9,23,488.33
Term 7,33,897.55 8,27,025.63 Fixed Assets 3,921.85 3,426.90
Borrowings 98,982.99 89,556.24 Other Assets 40,674.18 46,394.30
NABARD 90,303.42 79,262.25 Accumulated Losses - -
Sponsor Banks 3,408.32 3,324.30
Others 5,271.25 6,969.69
Other Liabilities 46,989.73 46,703.81
TOTAL 16,24,009.33 17,47,994.11 16,24,009.33 17,47,994.11
Interest on Deposits 68,072.34 74,136.30 Interest on Advances 79,137.17 84,210.16
Interest on RBI/Inter Bk. Funds 5,548.83 5,271.22 Interest on Investments & Bank Balances 42,551.56 49,072.53
Interest on Others 13.14 31.84 Commission 6,157.50 6,437.39
Wage Bill 26,892.45 43,151.14 Other Income 4,852.93 8,047.55
Other Operating Expenses 11,358.84 11,215.11
Provisions and Contingencies 17,436.30 10,519.02
Income over Expenditure 3,377.26 3,443.00 Exp. Over Income - -
No. of RRBs in Profit 3 2 No. of RRBs in Loss 0 0
TOTAL 1,32,699.16 1,47,767.63 1,32,699.16 1,47,767.63
Per Branch Productivity 2,995.08 3,305.15 CD Ratio 61.38 61.24
Per Employee Productivity 819.50 918.37 Recovery (%) 88.70 87.78
Gross NPA (%) 4.03 3.92
Net NPA (%) 2.16 1.77
Gross loans Outstanding 8,61,221.85 9,38,934.90 Loan O/s 9.02 Fin. Return 7.99 7.91
Loans Disbursed 6,21,181.85 6,36,488.98 Deposits 9.28 Fin. Cost 4.83 4.72
Gross NPAs 34,728.61 36,791.49 Net Profit/Loss(-) 1.95 Fin. Margin 3.15 3.20
Net NPA 18,307.74 16,357.91 Salary 1.76 2.56
Average Working Fund 15,23,891.46 16,84,325.31 Other Opt. Exp. 0.75 0.67
Net Profit/Loss (-) 3,377.26 3,443.00 Misc. Income 0.72 0.86
Gross Margin 1.37 0.83
Risk Cost 1.14 0.62
Net Margin 0.22 0.20
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
2019-20 Amt. in `lakh
Name of the State: Haryana Total RRBs: 1
No. of Districts: 22 No of Branches : 654 No. of Staff : 3121
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 4,627.56 4,627.56 Cash in Hand 5,648.35 6,557.94
Reserves 1,57,686.47 1,57,984.37 Balances with RBI 58,409.52 55,456.09
Balances in Current A/c 3,696.81 2,093.96
Deposits 14,54,756.58 16,18,912.46 Balances in Deposit A/c 1,23,035.00 80,535.00
Current 21,940.26 13,028.37 Other Investments 6,24,482.55 7,68,740.14
Savings 7,92,305.37 8,56,755.60 Loans & Advances (Net) 9,14,952.36 9,57,452.65
Term 6,40,510.95 7,49,128.49 Fixed Assets 7,020.77 6,300.53
Borrowings 1,60,906.70 1,45,022.89 Other Assets 57,349.16 61,762.32
NABARD 1,17,767.32 92,843.21 Accumulated Losses - -
Sponsor Banks 32,398.83 52,149.57
Others 10,740.55 30.11
Other Liabilities 16,617.21 12,351.35
TOTAL 17,94,594.52 19,38,898.63 17,94,594.52 19,38,898.63
Interest on Deposits 72,091.09 80,796.47 Interest on Advances 77,257.16 82,885.27
Interest on RBI/Inter Bk. Funds 5,083.79 5,983.70 Interest on Investments & Bank Balances 52,932.29 60,851.51
Interest on Others - - Commission 701.33 609.96
Wage Bill 25,444.11 46,205.15 Other Income 11,903.76 14,745.44
Other Operating Expenses 10,725.85 12,602.48
Provisions and Contingencies 37,752.61 13,206.47
Income over Expenditure - 297.91 Exp. Over Income 8,302.91 -
No. of RRBs in Profit - 1 No. of RRBs in Loss 1 0
TOTAL 1,51,097.45 1,59,092.18 1,51,097.45 1,59,092.18
Per Branch Productivity 3,687.80 4,026.48 CD Ratio 65.79 62.66
Per Employee Productivity 752.99 843.74 Recovery (%) 67.50 63.98
Gross NPA (%) 12.72 11.57
Net NPA (%) 8.71 6.31
Gross loans Outstanding 9,57,065.49 10,14,403.00 Loan O/s 5.99 Fin. Return 7.54 7.58
Loans Disbursed 9,44,416.42 9,36,929.42 Deposits 11.28 Fin. Cost 4.47 4.58
Gross NPAs 1,21,768.02 1,17,339.94 Net Profit/Loss(-) -103.59 Fin. Margin 3.07 3.00
Net NPA 79,654.88 60,389.59 Salary 1.47 2.44
Average Working Fund 17,26,852.00 18,95,675.98 Other Opt. Exp. 0.62 0.66
Net Profit/Loss (-) -8,302.91 297.91 Misc. Income 0.73 0.81
Gross Margin 1.71 0.71
Risk Cost 2.19 0.70
Net Margin -0.48 0.02
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
72
73
2019-20 Amt. in `lakh
Name of the State: Himachal Pradesh Total RRBs: 1
No. of Districts: 12 No of Branches : 265 No. of Staff : 867
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 1,543.62 1,543.62 Cash in Hand 1,840.46 2,396.35
Reserves 12,191.00 12,333.30 Balances with RBI 20,075.84 22,805.80
Balances in Current A/c 821.25 6,994.65
Deposits 5,09,792.28 5,81,113.31 Balances in Deposit A/c 1,54,742.68 81,603.38
Current 9,036.62 11,714.72 Other Investments 1,96,501.39 3,11,304.16
Savings 2,00,825.74 2,25,585.64 Loans & Advances (Net) 1,77,199.67 2,04,881.46
Term 2,99,929.92 3,43,812.95 Fixed Assets 1,074.12 958.02
Borrowings 39,305.69 42,235.10 Other Assets 17,137.45 14,430.93
NABARD 28,253.57 31,325.86 Accumulated Losses - -
Sponsor Banks 10,652.52 9,334.24
Others 399.60 1,575.00
Other Liabilities 6,560.27 8,149.42
TOTAL 5,69,392.86 6,45,374.75 5,69,392.86 6,45,374.75
Interest on Deposits 26,027.81 28,944.16 Interest on Advances 15,379.31 18,632.22
Interest on RBI/Inter Bk. Funds 1,950.21 1,652.00 Interest on Investments & Bank Balances 25,889.05 30,208.90
Interest on Others - 160.27 Commission 114.89 1,293.10
Wage Bill 6,985.17 14,002.25 Other Income 1,471.01 1,037.36
Other Operating Expenses 2,814.84 5,162.28
Provisions and Contingencies 4,558.17 1,171.75
Income over Expenditure 518.06 78.87 Exp. Over Income - -
No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0
TOTAL 42,854.26 51,171.58 42,854.26 51,171.58
Per Branch Productivity 2,620.31 2,990.88 CD Ratio 36.21 36.39
Per Employee Productivity 756.41 914.17 Recovery (%) 86.32 88.75
Gross NPA (%) 6.92 5.77
Net NPA (%) 3.04 2.74
Gross loans Outstanding 1,84,589.84 2,11,469.24 Loan O/s 14.56 Fin. Return 7.74 8.21
Loans Disbursed 1,36,307.01 1,93,159.43 Deposits 13.99 Fin. Cost 5.25 5.17
Gross NPAs 12,776.24 12,196.43 Net Profit/Loss(-) -84.78 Fin. Margin 2.49 3.04
Net NPA 5,386.07 5,608.10 Salary 1.31 2.35
Average Working Fund 5,32,946.87 5,95,191.17 Other Opt. Exp. 0.53 0.87
Net Profit/Loss (-) 518.06 78.87 Misc. Income 0.30 0.39
Gross Margin 0.95 0.21
Risk Cost 0.86 0.20
Net Margin 0.10 0.01
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
2019-20 Amt. in `lakh
Name of the State: Jammu & Kashmir Total RRBs: 2
No. of Districts: 26 No of Branches : 333 No. of Staff : 1380
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 30,548.28 31,331.73 Cash in Hand 1,036.38 1,289.77
Reserves 7,991.64 7,991.64 Balances with RBI 18,974.44 20,781.90
Balances in Current A/c 1,291.20 4,496.19
Deposits 4,86,131.19 5,20,689.84 Balances in Deposit A/c 1,62,867.18 1,46,908.16
Current 15,556.86 14,732.27 Other Investments 1,27,116.15 1,33,519.74
Savings 2,36,273.42 2,46,071.71 Loans & Advances (Net) 2,18,533.38 2,50,101.68
Term 2,34,300.91 2,59,885.86 Fixed Assets 1,743.53 2,012.24
Borrowings 26,112.97 17,643.11 Other Assets 14,607.55 16,388.40
NABARD 24,946.20 16,065.41 Accumulated Losses 18,868.02 35,508.47
Sponsor Banks - -
Others 1,166.77 1,577.70
Other Liabilities 14,253.75 33,350.23
TOTAL 5,65,037.83 6,11,006.55 5,65,037.83 6,11,006.55
Interest on Deposits 23,591.25 25,670.09 Interest on Advances 21,276.88 23,030.51
Interest on RBI/Inter Bk. Funds 1,788.20 55.08 Interest on Investments & Bank Balances 20,860.68 22,621.78
Interest on Others - 1,647.68 Commission 664.26 538.04
Wage Bill 11,940.69 29,569.87 Other Income 919.49 861.12
Other Operating Expenses 4,258.04 4,098.07
Provisions and Contingencies 3,075.05 2,651.11
Income over Expenditure 806.01 - Exp. Over Income 1,737.93 16,640.45
No. of RRBs in Profit 1 - No. of RRBs in Loss 1 2
TOTAL 45,459.24 63,691.90 45,459.24 63,691.90
Per Branch Productivity 2,145.17 2,356.75 CD Ratio 47.39 50.72
Per Employee Productivity 521.84 568.69 Recovery (%) 66.98 73.84
Gross NPA (%) 10.86 11.27
Net NPA (%) 6.04 6.30
Gross loans Outstanding 2,30,356.99 2,64,106.96 Loan O/s 14.65 Fin. Return 8.20 7.75
Loans Disbursed 1,24,504.32 1,66,459.86 Deposits 7.11 Fin. Cost 4.94 4.65
Gross NPAs 25,017.69 29,772.08 Net Profit/Loss(-) 1,686 Fin. Margin 3.26 3.10
Net NPA 13,194.08 15,766.80 Salary 2.32 5.02
Average Working Fund 5,13,672.78 5,89,271.38 Other Opt. Exp. 0.83 0.70
Net Profit/Loss (-) -931.92 -16,640.45 Misc. Income 0.31 0.24
Gross Margin 0.42 -2.37
Risk Cost 0.60 0.45
Net Margin -0.18 -2.82
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
74
2019-20 Amt. in `lakh
Name of the State: Jharkhand Total RRBs: 1
No. of Districts: 24 No of Branches : 443 No. of Staff : 1675
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 24,767.09 24,767.09 Cash in Hand 3,687.39 3,114.82
Reserves 7,665.29 11,832.11 Balances with RBI 29,026.88 30,802.88
Balances in Current A/c 5,529.55 4,020.12
Deposits 7,06,872.35 7,58,814.58 Balances in Deposit A/c 29,814.88 1,27,347.95
Current 10,722.35 13,237.43 Other Investments 4,39,584.03 3,63,688.85
Savings 4,40,491.61 4,91,445.10 Loans & Advances (Net) 2,54,686.99 2,86,271.99
Term 2,55,658.39 2,54,132.05 Fixed Assets 1,126.07 1,090.04
Borrowings 10,656.94 12,713.67 Other Assets 20,668.37 40,465.93
NABARD 9,430.87 11,500.12 Accumulated Losses - -
Sponsor Banks 341.40 58.17
Others 884.67 1,155.38
Other Liabilities 34,162.49 48,675.13
TOTAL 7,84,124.16 8,56,802.58 7,84,124.16 8,56,802.58
Interest on Deposits 34,033.31 33,842.48 Interest on Advances 22,057.40 26,335.60
Interest on RBI/Inter Bk. Funds 618.76 850.34 Interest on Investments & Bank Balances 34,914.77 30,954.18
Interest on Others - 29.90 Commission 2,982.62 1,346.00
Wage Bill 12,222.19 12,610.46 Other Income 4,822.04 17,747.87
Other Operating Expenses 4,987.03 5,050.29
Provisions and Contingencies 10,440.91 19,833.39
Income over Expenditure 2,474.63 4,166.79 Exp. Over Income - -
No. of RRBs in Profit 2 1 No. of RRBs in Loss 0 0
TOTAL 64,776.83 76,383.65 64,776.83 76,383.65
Per Branch Productivity 2,215.32 2,399.24 CD Ratio 38.83 40.07
Per Employee Productivity 583.81 634.55 Recovery (%) 62.14 62.34
Gross NPA (%) 10.79 9.05
Net NPA (%) 3.54 3.38
Gross loans Outstanding 2,74,512.22 3,04,050.24 Loan O/s 10.76 Fin. Return 6.54 7.00
Loans Disbursed 1,08,669.85 2,57,831.10 Deposits 7.35 Fin. Cost 3.98 4.24
Gross NPAs 29,610.90 27,528.15 Net Profit/Loss(-) 68.38 Fin. Margin 2.56 2.76
Net NPA 9,012.84 9,686.00 Salary 1.40 1.54
Average Working Fund 8,71,001.07 8,18,148.00 Other Opt. Exp. 0.57 0.62
Net Profit/Loss (-) 2,474.63 4,166.79 Misc. Income 0.90 2.33
Gross Margin 1.48 2.93
Risk Cost 1.20 2.42
Net Margin 0.28 0.51
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
75
2019-20 Amt. in `lakh
Name of the State: Karnataka Total RRBs: 2
No. of Districts: 30 No of Branches : 1775 No. of Staff : 8611
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 14,161.14 14,161.14 Cash in Hand 30,887.05 27,450.25
Reserves 3,64,019.38 3,05,384.13 Balances with RBI 1,84,843.49 1,29,922.78
Balances in Current A/c 76,914.67 69,968.32
Deposits 39,32,981.55 43,61,388.66 Balances in Deposit A/c 4,60,775.60 8,77,022.70
Current 99,649.74 1,13,355.37 Other Investments 9,92,080.41 11,29,768.93
Savings 13,72,194.74 15,45,114.42 Loans & Advances (Net) 31,35,310.21 30,89,144.88
Term 24,61,137.07 27,02,918.87 Fixed Assets 9,858.21 10,261.44
Borrowings 4,91,608.20 6,23,419.77 Other Assets 1,62,099.77 1,71,342.23
NABARD 4,71,314.50 5,25,251.20 Accumulated Losses - -
Sponsor Banks 6,219.37 81,397.82
Others 14,074.33 16,770.75
Other Liabilities 2,49,999.14 2,00,527.83
TOTAL 50,52,769.41 55,04,881.53 50,52,769.41 55,04,881.53
Interest on Deposits 2,21,011.62 2,31,026.25 Interest on Advances 3,26,698.90 3,03,337.70
Interest on RBI/Inter Bk. Funds 36,731.32 27,165.21 Interest on Investments & Bank Balances 1,01,597.32 1,15,190.73
Interest on Others - 1,301.29 Commission 5,463.42 1,121.47
Wage Bill 78,516.31 1,19,766.00 Other Income 30,041.44 52,971.74
Other Operating Expenses 68,305.84 42,611.47
Provisions and Contingencies 43,033.33 1,09,386.66
Income over Expenditure 16,202.66 1,861.05 Exp. Over Income - 60,496.29
No. of RRBs in Profit 3 1 No. of RRBs in Loss 0 1
TOTAL 4,63,801.08 5,33,117.93 4,63,801.08 5,33,117.93
Per Branch Productivity 3,978.10 4,292.34 CD Ratio 82.37 74.69
Per Employee Productivity 806.81 884.79 Recovery (%) 69.00 74.08
Gross NPA (%) 6.97 11.47
Net NPA (%) 3.87 6.52
Gross loans Outstanding 32,39,528.66 32,57,512.50 Loan O/s 0.56 Fin. Return 8.74 7.96
Loans Disbursed 12,60,943.98 14,76,801.99 Deposits 10.89 Fin. Cost 5.26 4.94
Gross NPAs 2,25,707.61 3,73,759.01 Net Profit/Loss(-) -461.89 Fin. Margin 3.48 3.03
Net NPA 1,21,489.00 2,01,477.02 Salary 1.60 2.28
Average Working Fund 48,99,073.72 52,57,236.40 Other Opt. Exp. 1.39 0.81
Net Profit/Loss (-) 16,202.66 -58,635.24 Misc. Income 0.72 1.03
Gross Margin 1.21 0.97
Risk Cost 0.88 2.08
Net Margin 0.33 -1.12
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
76
2019-20 Amt. in `lakh
Name of the State: Kerala Total RRBs: 1
No. of Districts: 14 No of Branches : 634 No. of Staff : 3519
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 841.43 841.43 Cash in Hand 15,300.25 15,139.38
Reserves 78,595.39 79,033.33 Balances with RBI 60,088.65 47,182.30
Balances in Current A/c 174.28 276.09
Deposits 16,87,966.18 19,25,356.07 Balances in Deposit A/c 20,034.24 1,13,154.38
Current 27,597.74 19,496.29 Other Investments 3,64,157.92 3,63,455.90
Savings 6,13,485.99 6,52,889.30 Loans & Advances (Net) 15,31,957.20 16,45,128.38
Term 10,46,882.45 12,52,970.48 Fixed Assets 10,003.71 9,210.50
Borrowings 2,77,832.66 2,68,218.77 Other Assets 95,960.62 1,15,953.77
NABARD 2,20,630.09 2,12,804.48 Accumulated Losses - 5,570.24
Sponsor Banks 2,271.28 418.60
Others 54,931.29 54,995.69
Other Liabilities 52,441.21 41,621.34
TOTAL 20,97,676.87 23,15,070.94 20,97,676.87 23,15,070.94
Interest on Deposits 96,070.04 1,07,599.48 Interest on Advances 1,54,964.65 1,59,806.24
Interest on RBI/Inter Bk. Funds 27,568.28 16,168.59 Interest on Investments & Bank Balances 32,526.11 30,030.38
Interest on Others 10,047.92 12,479.84 Commission 13,011.65 17,807.07
Wage Bill 43,637.40 56,596.11 Other Income 2,112.50 6,686.50
Other Operating Expenses 14,440.22 17,097.58
Provisions and Contingencies 10,672.05 9,489.65
Income over Expenditure 179.00 - Exp. Over Income - 5,101.06
No. of RRBs in Profit 1 - No. of RRBs in Loss 0 1
TOTAL 2,02,614.91 2,19,431.25 2,02,614.91 2,19,431.25
Per Branch Productivity 5,492.00 5,863.31 CD Ratio 105.95 93.07
Per Employee Productivity 955.06 1,056.36 Recovery (%) 96.14 95.70
Gross NPA (%) 3.36 4.30
Net NPA (%) 2.24 2.51
Gross loans Outstanding 17,88,470.28 17,91,981.15 Loan O/s 0.20 Fin. Return 8.14 7.90
Loans Disbursed 18,21,604.57 17,68,049.01 Deposits 14.06 Fin. Cost 5.81 5.67
Gross NPAs 60,114.59 77,107.74 Net Profit/Loss(-) -2949.75 Fin. Margin 2.34 2.23
Net NPA 34,365.00 41,254.96 Salary 1.90 2.36
Average Working Fund 23,02,506.53 24,02,886.22 Other Opt. Exp. 0.63 0.71
Net Profit/Loss (-) 179.00 -5,101.06 Misc. Income 0.66 1.02
Gross Margin 0.47 0.18
Risk Cost 0.46 0.39
Net Margin 0.01 -0.21
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
77
2019-20 Amt. in `lakh
Name of the State: Madhya Pradesh Total RRBs: 2
No. of Districts: 52 No of Branches : 1320 No. of Staff : 4868
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 59,479.19 68,823.98 Cash in Hand 9,788.15 12,647.93
Reserves 58,282.01 64,950.23 Balances with RBI 88,592.28 94,723.51
Balances in Current A/c 36,713.39 38,188.93
Deposits 21,52,703.02 23,21,941.81 Balances in Deposit A/c 3,80,025.84 2,71,153.35
Current 54,801.78 59,536.40 Other Investments 7,64,573.50 8,92,248.18
Savings 10,45,135.00 11,12,355.64 Loans & Advances (Net) 10,98,207.13 11,37,459.73
Term 10,52,766.24 11,50,049.77 Fixed Assets 6,304.42 5,919.34
Borrowings 1,57,920.01 77,425.98 Other Assets 86,707.55 73,108.15
NABARD 76,807.96 19,725.11 Accumulated Losses 37,890.95 1,20,433.68
Sponsor Banks 40,765.79 22,780.82
Others 40,346.26 34,920.05
Other Liabilities 80,418.98 1,12,740.80
TOTAL 25,08,803.21 26,45,882.80 25,08,803.21 26,45,882.80
Interest on Deposits 1,06,734.64 1,13,560.90 Interest on Advances 83,695.53 87,573.35
Interest on RBI/Inter Bk. Funds 4,155.46 4,243.40 Interest on Investments & Bank Balances 85,310.48 90,961.23
Interest on Others 5,972.21 1,807.40 Commission 5,534.40 8,764.14
Wage Bill 53,074.76 1,15,778.11 Other Income 8,097.41 7,843.97
Other Operating Expenses 20,916.65 15,859.45
Provisions and Contingencies 30,161.61 19,830.30
Income over Expenditure - - Exp. Over Income 38,377.51 75,936.87
No. of RRBs in Profit - - No. of RRBs in Loss 3 2
TOTAL 2,21,015.33 2,71,079.56 2,21,015.33 2,71,079.56
Per Branch Productivity 2,528.83 2,695.18 CD Ratio 55.06 53.22
Per Employee Productivity 697.17 730.82 Recovery (%) 72.29 67.76
Gross NPA (%) 23.01 22.69
Net NPA (%) 17.44 16.01
Gross loans Outstanding 11,85,358.71 12,35,700.93 Loan O/s 4.25 Fin. Return 6.78 6.73
Loans Disbursed 6,40,700.40 5,79,014.32 Deposits 7.86 Fin. Cost 4.68 4.51
Gross NPAs 2,72,695.67 2,80,404.12 Net Profit/Loss(-) 97.87 Fin. Margin 2.09 2.22
Net NPA 1,91,507.35 1,82,087.91 Salary 2.13 4.37
Average Working Fund 24,94,528.63 26,51,303.86 Other Opt. Exp. 0.84 0.60
Net Profit/Loss (-) -38,377.51 -75,936.87 Misc. Income 0.55 0.63
Gross Margin -0.33 -2.12
Risk Cost 1.21 0.75
Net Margin -1.54 -2.86
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
78
2019-20 Amt. in `lakh
Name of the State: Maharashtra Total RRBs: 2
No. of Districts: 34 No of Branches : 734 No. of Staff : 2950
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 33,125.89 35,870.88 Cash in Hand 13,341.04 11,502.87
Reserves 30,895.41 34,394.92 Balances with RBI 65,097.89 50,943.45
Balances in Current A/c 20,812.19 30,124.21
Deposits 14,03,144.09 15,84,998.67 Balances in Deposit A/c 2,34,712.67 3,62,262.89
Current 57,488.73 52,795.05 Other Investments 5,20,918.27 4,66,692.77
Savings 7,17,592.78 8,32,214.24 Loans & Advances (Net) 6,99,708.04 7,26,207.18
Term 6,28,062.58 6,99,989.38 Fixed Assets 3,563.93 4,518.91
Borrowings 94,444.25 38,046.17 Other Assets 29,928.58 32,144.00
NABARD 38,820.02 33,168.74 Accumulated Losses 7,710.68 41,742.91
Sponsor Banks - -
Others 55,624.23 4,877.43
Other Liabilities 34,183.65 32,828.55
TOTAL 15,95,793.29 17,26,139.19 15,95,793.29 17,26,139.19
Interest on Deposits 65,367.83 68,694.98 Interest on Advances 68,515.39 71,371.21
Interest on RBI/Inter Bk. Funds 5,234.49 3,282.69 Interest on Investments & Bank Balances 47,748.50 50,786.05
Interest on Others - - Commission 1,158.86 1,104.54
Wage Bill 31,144.90 66,089.47 Other Income 12,189.43 12,167.05
Other Operating Expenses 14,494.11 15,386.57
Provisions and Contingencies 7,452.20 12,507.87
Income over Expenditure 5,918.65 2,719.21 Exp. Over Income - 33,251.94
No. of RRBs in Profit 2 1 No. of RRBs in Loss 0 1
TOTAL 1,29,612.18 1,68,680.79 1,29,612.18 1,68,680.79
Per Branch Productivity 2,897.10 3,202.68 CD Ratio 52.58 48.31
Per Employee Productivity 732.70 796.87 Recovery (%) 55.50 57.21
Gross NPA (%) 11.46 11.39
Net NPA (%) 6.64 6.56
Gross loans Outstanding 7,37,815.52 7,65,771.35 Loan O/s 3.79 Fin. Return 7.54 7.52
Loans Disbursed 3,32,782.15 3,20,895.17 Deposits 12.96 Fin. Cost 4.58 4.43
Gross NPAs 84,536.85 87,205.53 Net Profit/Loss(-) -615.87 Fin. Margin 2.96 3.09
Net NPA 46,439.38 47,648.80 Salary 2.02 4.07
Average Working Fund 15,42,822.61 16,23,792.45 Other Opt. Exp. 0.94 0.95
Net Profit/Loss (-) 5,918.65 -30,532.73 Misc. Income 0.87 0.82
Gross Margin 0.87 -1.11
Risk Cost 0.48 0.77
Net Margin 0.38 -1.88
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
79
2019-20 Amt. in `lakh
Name of the State: Manipur Total RRBs: 1
No. of Districts: 10 No of Branches : 27 No. of Staff : 97
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 5,388.03 5,856.03 Cash in Hand 67.25 90.02
Reserves 1.22 1.22 Balances with RBI 1,186.84 1,191.84
Balances in Current A/c 3,599.62 2,561.36
Deposits 29,542.71 31,380.30 Balances in Deposit A/c 3,331.64 4,646.18
Current 4,461.47 4,208.54 Other Investments 12,389.57 10,198.07
Savings 17,858.71 19,351.68 Loans & Advances (Net) 13,625.93 15,306.32
Term 7,222.53 7,820.08 Fixed Assets 100.05 173.71
Borrowings 3,635.79 2,917.95 Other Assets 393.17 3,441.14
NABARD 1,431.74 643.95 Accumulated Losses 4,867.49 5,143.39
Sponsor Banks 2,030.05 2,100.00
Others 174.00 174.00
Other Liabilities 993.81 2,596.53
TOTAL 39,561.56 42,752.03 39,561.56 42,752.03
Interest on Deposits 1,048.09 1,095.05 Interest on Advances 1,300.86 1,381.59
Interest on RBI/Inter Bk. Funds 126.16 87.49 Interest on Investments & Bank Balances 1,160.34 1,055.71
Interest on Others - - Commission 22.28 37.26
Wage Bill 861.72 1,622.89 Other Income 414.69 747.69
Other Operating Expenses 373.40 488.09
Provisions and Contingencies 675.07 204.63
Income over Expenditure - - Exp. Over Income 186.27 275.90
No. of RRBs in Profit - - No. of RRBs in Loss 1 1
TOTAL 3,084.44 3,498.15 3,084.44 3,498.15
Per Branch Productivity 1,691.86 1,766.90 CD Ratio 48.90 52.03
Per Employee Productivity 407.30 491.82 Recovery (%) 71.66 70.12
Gross NPA (%) 20.68 19.76
Net NPA (%) 15.91 14.41
Gross loans Outstanding 14,445.55 16,325.95 Loan O/s 13.02 Fin. Return 7.67 7.28
Loans Disbursed 5,628.87 5,728.94 Deposits 6.22 Fin. Cost 3.66 3.53
Gross NPAs 2,988.01 3,225.67 Net Profit/Loss(-) 48.12 Fin. Margin 4.01 3.75
Net NPA 2,168.38 2,206.04 Salary 2.68 4.85
Average Working Fund 32,104.83 33,490.37 Other Opt. Exp. 1.16 1.46
Net Profit/Loss (-) -186.27 -275.90 Misc. Income 1.36 2.34
Gross Margin 1.52 -0.21
Risk Cost 2.10 0.61
Net Margin -0.58 -0.82
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
80
2019-20 Amt. in `lakh
Name of the State: Meghalaya Total RRBs: 1
No. of Districts: 11 No of Branches : 90 No. of Staff : 399
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 259.76 259.76 Cash in Hand 1,002.62 1,202.57
Reserves 16,021.70 16,076.13 Balances with RBI 8,816.84 9,416.84
Balances in Current A/c 8,802.97 7,532.97
Deposits 2,13,625.97 2,26,588.64 Balances in Deposit A/c 96,723.72 1,01,632.10
Current 15,580.37 11,484.61 Other Investments 51,509.60 53,942.00
Savings 1,32,593.06 1,43,472.49 Loans & Advances (Net) 65,783.85 69,628.02
Term 65,452.54 71,631.54 Fixed Assets 625.41 792.03
Borrowings 3,016.95 3,709.12 Other Assets 10,000.66 12,989.00
NABARD 2,828.63 3,175.31 Accumulated Losses - -
Sponsor Banks - -
Others 188.32 533.81
Other Liabilities 10,341.29 10,501.88
TOTAL 2,43,265.67 2,57,135.53 2,43,265.67 2,57,135.53
Interest on Deposits 8,597.11 9,594.65 Interest on Advances 6,773.85 6,700.19
Interest on RBI/Inter Bk. Funds 139.87 151.31 Interest on Investments & Bank Balances 10,245.64 10,887.75
Interest on Others - 4.76 Commission 181.11 168.04
Wage Bill 3,111.11 4,650.87 Other Income 924.97 1,004.46
Other Operating Expenses 3,303.20 1,403.19
Provisions and Contingencies 2,893.77 2,901.23
Income over Expenditure 80.51 54.43 Exp. Over Income - -
No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0
TOTAL 18,125.57 18,760.44 18,125.57 18,760.44
Per Branch Productivity 3,020.32 3,360.58 CD Ratio 32.90 33.48
Per Employee Productivity 715.14 758.02 Recovery (%) 72.33 74.26
Gross NPA (%) 11.87 11.59
Net NPA (%) 5.84 3.67
Gross loans Outstanding 70,284.30 75,863.31 Loan O/s 7.94 Fin. Return 7.81 6.81
Loans Disbursed 40,156.23 33,158.69 Deposits 6.07 Fin. Cost 4.01 3.78
Gross NPAs 8,341.26 8,789.80 Net Profit/Loss(-) -32.39 Fin. Margin 3.80 3.03
Net NPA 3,840.81 2,554.50 Salary 1.43 1.80
Average Working Fund 2,17,884.78 2,58,276.31 Other Opt. Exp. 1.52 0.54
Net Profit/Loss (-) 80.51 54.43 Misc. Income 0.51 0.45
Gross Margin 1.37 1.14
Risk Cost 1.33 1.12
Net Margin 0.04 0.02
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
81
2019-20 Amt. in `lakh
Name of the State: Mizoram Total RRBs: 1
No. of Districts: 11 No of Branches : 85 No. of Staff : 456
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 3,103.82 3,103.82 Cash in Hand 4,851.60 6,372.13
Reserves 12,301.66 13,633.19 Balances with RBI 10,241.98 10,696.98
Balances in Current A/c 2,106.77 4,192.59
Deposits 2,59,504.92 3,47,812.51 Balances in Deposit A/c 76,725.00 1,36,375.00
Current 10,079.69 10,366.18 Other Investments 71,453.38 79,198.83
Savings 1,55,670.74 1,97,305.67 Loans & Advances (Net) 1,23,101.50 1,53,543.15
Term 93,754.49 1,40,140.66 Fixed Assets 2,457.42 2,783.49
Borrowings 17,906.38 28,769.68 Other Assets 13,908.85 19,227.46
NABARD 12,522.07 18,092.28 Accumulated Losses - -
Sponsor Banks 173.04 -
Others 5,211.27 10,677.40
Other Liabilities 12,029.72 19,070.43
TOTAL 3,04,846.50 4,12,389.63 3,04,846.50 4,12,389.63
Interest on Deposits 11,710.34 14,224.33 Interest on Advances 12,397.73 15,195.62
Interest on RBI/Inter Bk. Funds 789.68 961.43 Interest on Investments & Bank Balances 9,513.02 14,249.54
Interest on Others - - Commission 849.44 984.49
Wage Bill 2,823.91 7,091.73 Other Income 1,564.05 591.67
Other Operating Expenses 4,849.68 3,350.20
Provisions and Contingencies 3,308.43 4,062.11
Income over Expenditure 842.20 1,331.52 Exp. Over Income - -
No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0
TOTAL 24,324.24 31,021.32 24,324.24 31,021.32
Per Branch Productivity 4,501.25 5,898.30 CD Ratio 47.44 44.15
Per Employee Productivity 915.33 1,099.46 Recovery (%) 83.12 86.85
Gross NPA (%) 5.22 5.19
Net NPA (%) 2.05 1.41
Gross loans Outstanding 1,23,101.50 1,53,543.15 Loan O/s 24.73 Fin. Return 8.79 8.19
Loans Disbursed 44,404.92 73,626.36 Deposits 34.03 Fin. Cost 5.02 4.22
Gross NPAs 6,428.53 7,963.92 Net Profit/Loss(-) 58.10 Fin. Margin 3.78 3.96
Net NPA 2,524.95 2,171.51 Salary 1.13 1.97
Average Working Fund 2,49,130.59 3,59,737.30 Other Opt. Exp. 1.95 0.93
Net Profit/Loss (-) 842.20 1,331.52 Misc. Income 0.97 0.44
Gross Margin 1.67 1.50
Risk Cost 1.33 1.13
Net Margin 0.34 0.37
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
82
2019-20 Amt. in `lakh
Name of the State: Nagaland Total RRBs: 1
No. of Districts: 5 No of Branches : 10 No. of Staff : 32
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 1,554.80 1,691.75 Cash in Hand 59.35 82.97
Reserves - - Balances with RBI 402.22 444.22
Balances in Current A/c 973.79 396.48
Deposits 10,092.78 11,386.82 Balances in Deposit A/c 2,853.15 4,543.53
Current 731.15 1,278.48 Other Investments 3,223.45 2,620.82
Savings 5,497.26 6,128.08 Loans & Advances (Net) 2,873.40 3,298.07
Term 3,864.37 3,980.26 Fixed Assets 37.19 54.94
Borrowings - 34.48 Other Assets 1,026.68 983.97
NABARD - - Accumulated Losses 1,319.00 1,643.20
Sponsor Banks - -
Others - 34.48
Other Liabilities 1,120.65 955.15
TOTAL 12,768.23 14,068.20 12,768.23 14,068.20
Interest on Deposits 398.05 432.02 Interest on Advances 305.00 327.02
Interest on RBI/Inter Bk. Funds - - Interest on Investments & Bank Balances 498.54 518.39
Interest on Others - - Commission 13.64 23.30
Wage Bill 291.48 312.45 Other Income 8.36 3.49
Other Operating Expenses 148.46 128.45
Provisions and Contingencies 111.44 323.48
Income over Expenditure - - Exp. Over Income 123.89 324.20
No. of RRBs in Profit - - No. of RRBs in Loss 1 1
TOTAL 949.43 1,196.40 949.43 1,196.40
Per Branch Productivity 1,306.24 1,477.60 CD Ratio 29.42 29.76
Per Employee Productivity 353.04 461.75 Recovery (%) 74.54 78.93
Gross NPA (%) 5.15 4.14
Net NPA (%) 3.33 2.37
Gross loans Outstanding 2,969.63 3,389.14 Loan O/s 14.13 Fin. Return 7.82 7.47
Loans Disbursed 1,346.50 1,366.08 Deposits 12.82 Fin. Cost 3.87 3.82
Gross NPAs 152.97 140.23 Net Profit/Loss(-) 161.68 Fin. Margin 3.95 3.65
Net NPA 95.81 78.09 Salary 2.84 2.76
Average Working Fund 10,275.66 11,321.45 Other Opt. Exp. 1.44 1.13
Net Profit/Loss (-) -123.89 -324.20 Misc. Income 0.21 0.24
Gross Margin -0.12 -0.01
Risk Cost 1.08 2.86
Net Margin -1.21 -2.86
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
83
2019-20 Amt. in `lakh
Name of the State: Odisha Total RRBs: 2
No. of Districts: 30 No of Branches : 984 No. of Staff : 3865
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 1,16,246.86 1,71,234.77 Cash in Hand 7,863.52 10,904.42
Reserves 5,583.54 5,583.54 Balances with RBI 77,078.58 55,791.22
Balances in Current A/c 8,980.01 42,131.98
Deposits 17,79,256.35 19,63,594.01 Balances in Deposit A/c 74,919.43 1,03,942.58
Current 19,867.43 22,107.45 Other Investments 9,38,452.71 10,73,533.19
Savings 8,54,466.39 9,76,744.12 Loans & Advances (Net) 6,89,178.66 6,79,152.41
Term 9,04,922.53 9,64,742.44 Fixed Assets 3,516.62 2,899.39
Borrowings 3,370.48 4,291.46 Other Assets 57,449.94 64,609.77
NABARD 1,064.99 96.22 Accumulated Losses 1,45,408.65 1,98,949.26
Sponsor Banks 813.83 -
Others 1,491.66 4,195.24
Other Liabilities 98,390.89 87,210.44
TOTAL 20,02,848.12 22,31,914.22 20,02,848.12 22,31,914.22
Interest on Deposits 91,835.50 96,493.96 Interest on Advances 53,549.43 60,843.35
Interest on RBI/Inter Bk. Funds 796.84 97.44 Interest on Investments & Bank Balances 69,435.05 77,398.15
Interest on Others 88.68 - Commission 1,496.51 1,167.78
Wage Bill 48,861.52 52,772.52 Other Income 6,345.87 18,776.80
Other Operating Expenses 10,742.78 12,747.46
Provisions and Contingencies 38,183.52 49,615.31
Income over Expenditure - - Exp. Over Income 59,681.98 53,540.61
No. of RRBs in Profit - - No. of RRBs in Loss 2 2
TOTAL 1,90,508.84 2,11,726.69 1,90,508.84 2,11,726.69
Per Branch Productivity 2,590.43 2,810.15 CD Ratio 43.70 40.82
Per Employee Productivity 636.64 715.44 Recovery (%) 69.18 68.11
Gross NPA (%) 27.17 26.77
Net NPA (%) 17.84 13.57
Gross loans Outstanding 7,77,494.61 8,01,594.68 Loan O/s 3.10 Fin. Return 6.39 6.80
Loans Disbursed 4,58,278.48 4,63,736.71 Deposits 10.36 Fin. Cost 4.82 4.75
Gross NPAs 2,11,266.38 2,14,625.24 Net Profit/Loss(-) -10.29 Fin. Margin 1.57 2.05
Net NPA 1,22,950.43 92,182.97 Salary 2.54 2.60
Average Working Fund 19,25,504.52 20,32,829.04 Other Opt. Exp. 0.56 0.63
Net Profit/Loss (-) -59,681.98 -53,540.61 Misc. Income 0.41 0.98
Gross Margin -1.12 -0.19
Risk Cost 1.98 2.44
Net Margin -3.10 -2.63
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
84
2019-20 Amt. in `lakh
Name of the State: Puducherry Total RRBs: 1
No. of Districts: 2 No of Branches : 43 No. of Staff : 120
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 1,350.00 1,350.00 Cash in Hand 331.67 318.20
Reserves 4,235.44 4,847.34 Balances with RBI 2,710.01 3,200.02
Balances in Current A/c 353.08 338.35
Deposits 68,077.85 80,413.53 Balances in Deposit A/c 4,637.85 7,351.31
Current 1,172.31 562.91 Other Investments 12,673.84 15,266.70
Savings 16,297.84 18,509.47 Loans & Advances (Net) 61,285.66 66,969.57
Term 50,607.70 61,341.15 Fixed Assets 422.59 275.07
Borrowings 11,332.05 9,333.62 Other Assets 3,233.09 3,004.61
NABARD 11,284.39 9,333.62 Accumulated Losses - -
Sponsor Banks 32.66 -
Others 15.00 -
Other Liabilities 652.45 779.34
TOTAL 85,647.79 96,723.83 85,647.79 96,723.83
Interest on Deposits 3,871.34 4,749.67 Interest on Advances 5,485.45 6,162.76
Interest on RBI/Inter Bk. Funds 744.06 648.20 Interest on Investments & Bank Balances 1,165.44 1,364.94
Interest on Others - - Commission 37.39 37.18
Wage Bill 827.66 1,034.18 Other Income 938.82 1,059.04
Other Operating Expenses 1,118.85 743.09
Provisions and Contingencies 319.93 836.88
Income over Expenditure 745.26 611.90 Exp. Over Income - -
No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0
TOTAL 7,627.10 8,623.92 7,627.10 8,623.92
Per Branch Productivity 3,027.93 3,458.08 CD Ratio 91.25 84.92
Per Employee Productivity 1,205.57 1,239.15 Recovery (%) 92.23 91.67
Gross NPA (%) 1.35 1.92
Net NPA (%) 0.00 0.00
Gross loans Outstanding 62,123.32 68,283.96 Loan O/s 9.92 Fin. Return 8.29 8.29
Loans Disbursed 70,399.13 77,205.23 Deposits 18.12 Fin. Cost 5.76 5.94
Gross NPAs 837.65 1,314.39 Net Profit/Loss(-) -17.89 Fin. Margin 2.54 2.34
Net NPA - - Salary 1.03 1.14
Average Working Fund 80,186.45 90,857.98 Other Opt. Exp. 1.40 0.82
Net Profit/Loss (-) 745.26 611.90 Misc. Income 1.22 1.21
Gross Margin 1.33 1.59
Risk Cost 0.40 0.92
Net Margin 0.93 0.67
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
85
86
2019-20 Amt. in `lakh
Name of the State: Punjab Total RRBs: 1
No. of Districts: 22 No of Branches : 419 No. of Staff : 1744
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 2,536.64 2,536.64 Cash in Hand 2,390.77 2,926.60
Reserves 94,908.57 99,529.27 Balances with RBI 31,759.32 24,714.20
Balances in Current A/c 1,990.01 1,097.43
Deposits 8,67,837.38 9,44,365.65 Balances in Deposit A/c 1,21,353.11 1,04,800.90
Current 30,106.10 21,565.14 Other Investments 3,19,564.93 4,31,339.46
Savings 3,59,638.36 3,80,893.24 Loans & Advances (Net) 6,36,476.72 6,50,771.79
Term 4,78,092.92 5,41,907.27 Fixed Assets 2,685.21 2,617.30
Borrowings 1,64,403.05 1,74,900.49 Other Assets 27,513.69 27,176.04
NABARD 1,35,298.80 1,36,980.14 Accumulated Losses - -
Sponsor Banks 15,901.06 24,986.19
Others 13,203.19 12,934.16
Other Liabilities 14,048.12 24,111.67
TOTAL 11,43,733.76 12,45,443.72 11,43,733.76 12,45,443.72
Interest on Deposits 11,601.85 47,614.67 Interest on Advances 12,520.06 59,244.73
Interest on RBI/Inter Bk. Funds 2,180.31 8,346.47 Interest on Investments & Bank Balances 8,596.74 36,786.17
Interest on Others - 1,100.54 Commission 738.60 1,598.93
Wage Bill 7,266.21 37,289.84 Other Income 1,812.07 14,885.37
Other Operating Expenses 1,712.16 10,047.99
Provisions and Contingencies 806.38 3,047.18
Income over Expenditure 100.56 5,068.51 Exp. Over Income - -
No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0
TOTAL 23,667.47 1,12,515.20 23,667.47 1,12,515.20
Per Branch Productivity 3,692.67 3,883.12 CD Ratio 77.01 72.29
Per Employee Productivity 886.41 932.93 Recovery (%) 88.45 90.68
Gross NPA (%) 9.56 8.50
Net NPA (%) 5.01 3.99
Gross loans Outstanding 6,68,314.77 6,82,662.82 Loan O/s 2.15 Fin. Return 1.83 7.81
Loans Disbursed 1,29,382.74 7,30,413.94 Deposits 8.82 Fin. Cost 1.19 4.64
Gross NPAs 63,873.80 58,020.65 Net Profit/Loss(-) 4940.28 Fin. Margin 0.63 3.17
Net NPA 31,903.76 25,948.37 Salary 0.63 3.03
Average Working Fund 11,56,855.50 12,29,951.00 Other Opt. Exp. 0.15 0.82
Net Profit/Loss (-) 100.56 5,068.51 Misc. Income 0.22 1.34
Gross Margin 0.08 0.66
Risk Cost 0.07 0.25
Net Margin 0.01 0.41
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
*Income & Expenditure for 2018-19 pertains to Quarter ended 31 March 2019 for Punjab Gramin Bank
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE * INCOME *
2019-20 Amt. in `lakh
Name of the State: Rajasthan Total RRBs: 2
No. of Districts: 36 No of Branches : 1553 No. of Staff : 6514
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 49,126.98 49,126.98 Cash in Hand 9,692.89 9,788.32
Reserves 1,36,544.07 1,50,848.57 Balances with RBI 1,03,243.23 88,404.57
Balances in Current A/c 18,372.59 10,807.98
Deposits 26,32,368.09 29,91,346.69 Balances in Deposit A/c 3,27,880.36 4,49,430.58
Current 44,833.35 51,319.82 Other Investments 6,00,921.55 6,26,278.94
Savings 13,38,102.89 14,81,131.67 Loans & Advances (Net) 19,15,424.42 21,05,471.72
Term 12,49,431.85 14,58,895.20 Fixed Assets 7,253.49 7,243.28
Borrowings 2,13,494.29 1,73,204.79 Other Assets 1,13,079.73 1,17,494.75
NABARD 2,13,468.68 1,73,158.76 Accumulated Losses - -
Sponsor Banks - 46.03
Others 25.61 -
Other Liabilities 64,334.83 50,393.11
TOTAL 30,95,868.26 34,14,920.14 30,95,868.26 34,14,920.14
Interest on Deposits 1,25,584.77 1,45,437.93 Interest on Advances 1,77,872.46 2,06,819.14
Interest on RBI/Inter Bk. Funds 13,495.83 10,050.37 Interest on Investments & Bank Balances 70,617.12 77,008.79
Interest on Others - - Commission 12,854.15 17,932.85
Wage Bill 83,244.57 1,18,808.97 Other Income 19,307.56 25,636.00
Other Operating Expenses 32,405.60 28,355.87
Provisions and Contingencies 9,053.04 10,439.13
Income over Expenditure 16,867.48 14,304.51 Exp. Over Income - -
No. of RRBs in Profit 2 2 No. of RRBs in Loss 0 0
TOTAL 2,80,651.29 3,27,396.78 2,80,651.29 3,27,396.78
Per Branch Productivity 2,980.46 3,315.04 CD Ratio 75.16 72.10
Per Employee Productivity 707.72 790.34 Recovery (%) 82.93 77.28
Gross NPA (%) 5.43 4.33
Net NPA (%) 2.31 1.99
Gross loans Outstanding 19,78,397.89 21,56,906.99 Loan O/s 9.02 Fin. Return 8.47 8.67
Loans Disbursed 8,12,769.61 8,66,010.60 Deposits 13.64 Fin. Cost 4.74 4.75
Gross NPAs 1,07,408.21 93,470.53 Net Profit/Loss(-) -15.19 Fin. Margin 3.73 3.92
Net NPA 44,221.21 41,928.67 Salary 2.84 3.63
Average Working Fund 29,32,992.17 32,73,991.60 Other Opt. Exp. 1.10 0.87
Net Profit/Loss (-) 16,867.48 14,304.51 Misc. Income 1.10 1.33
Gross Margin 0.88 0.76
Risk Cost 0.31 0.32
Net Margin 0.58 0.44
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
87
2019-20 Amt. in `lakh
Name of the State: Tamil Nadu Total RRBs: 1
No. of Districts: 36 No of Branches : 632 No. of Staff : 2556
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 4,695.45 4,695.45 Cash in Hand 6,276.32 8,647.44
Reserves 1,03,600.14 1,18,562.40 Balances with RBI 45,607.23 41,292.18
Balances in Current A/c 6,988.64 26,139.73
Deposits 11,25,739.11 12,46,337.62 Balances in Deposit A/c 3,29,664.73 2,78,622.27
Current 9,230.04 10,481.16 Other Investments 3,64,359.41 2,44,171.67
Savings 2,93,477.97 3,17,757.88 Loans & Advances (Net) 8,69,182.90 11,74,917.89
Term 8,23,031.10 9,18,098.58 Fixed Assets 5,543.92 5,756.37
Borrowings 4,45,117.38 4,57,255.47 Other Assets 91,805.76 92,746.53
NABARD 4,37,076.66 4,47,394.75 Accumulated Losses - -
Sponsor Banks - -
Others 8,040.72 9,860.72
Other Liabilities 40,276.83 45,443.14
TOTAL 17,19,428.91 18,72,294.08 17,19,428.91 18,72,294.08
Interest on Deposits 65,032.18 75,123.50 Interest on Advances 97,589.86 99,574.64
Interest on RBI/Inter Bk. Funds 35,986.98 22,182.27 Interest on Investments & Bank Balances 46,203.87 43,855.51
Interest on Others - - Commission 4,439.03 15,801.28
Wage Bill 22,300.27 33,586.87 Other Income 13,119.75 12,102.20
Other Operating Expenses 14,533.71 10,998.38
Provisions and Contingencies 10,527.67 14,480.36
Income over Expenditure 12,971.70 14,962.25 Exp. Over Income - -
No. of RRBs in Profit 2 1 No. of RRBs in Loss 0 0
TOTAL 1,61,352.51 1,71,333.63 1,61,352.51 1,71,333.63
Per Branch Productivity 3,581.12 3,915.93 CD Ratio 100.41 98.57
Per Employee Productivity 986.06 968.26 Recovery (%) 96.79 97.92
Gross NPA (%) 1.78 2.39
Net NPA (%) 0.88 0.91
Gross loans Outstanding 11,30,369.29 12,28,530.57 Loan O/s 8.68 Fin. Return 8.10 7.40
Loans Disbursed 12,49,496.76 13,15,199.73 Deposits 10.71 Fin. Cost 5.69 5.02
Gross NPAs 20,148.56 29,312.36 Net Profit/Loss(-) 15.35 Fin. Margin 2.41 2.38
Net NPA 7,613.73 10,699.68 Salary 1.26 1.73
Average Working Fund 17,75,208.31 19,38,884.00 Other Opt. Exp. 0.82 0.57
Net Profit/Loss (-) 12,971.70 14,962.25 Misc. Income 0.99 1.44
Gross Margin 1.32 1.52
Risk Cost 0.59 0.75
Net Margin 0.73 0.77
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
88
2019-20 Amt. in `lakh
Name of the State: Telangana Total RRBs: 2
No. of Districts: 42 No of Branches : 1196 No. of Staff : 5059
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 11,215.73 11,215.73 Cash in Hand 20,461.22 16,346.41
Reserves 2,96,514.02 3,75,442.84 Balances with RBI 96,963.97 78,460.46
Balances in Current A/c 9,366.41 14,325.38
Deposits 23,76,768.19 27,48,800.23 Balances in Deposit A/c 6,05,586.80 10,67,601.11
Current 28,287.55 24,385.08 Other Investments 8,07,694.31 6,18,441.84
Savings 9,19,421.04 10,54,180.19 Loans & Advances (Net) 21,78,104.41 25,58,049.21
Term 14,29,059.60 16,70,234.96 Fixed Assets 8,915.20 9,769.68
Borrowings 9,79,335.40 12,54,431.74 Other Assets 1,44,814.08 1,72,648.68
NABARD 9,59,817.19 10,95,667.99 Accumulated Losses - -
Sponsor Banks 5,593.97 996.12
Others 13,924.24 1,57,767.63
Other Liabilities 2,08,073.06 1,45,752.23
TOTAL 38,71,906.40 45,35,642.77 38,71,906.40 45,35,642.77
Interest on Deposits 1,29,079.35 1,48,316.03 Interest on Advances 2,40,380.50 2,76,430.53
Interest on RBI/Inter Bk. Funds 62,985.69 58,831.41 Interest on Investments & Bank Balances 93,875.26 95,068.99
Interest on Others - 287.45 Commission 34,543.10 36,325.35
Wage Bill 58,743.04 50,898.61 Other Income 12,096.50 25,231.93
Other Operating Expenses 24,924.28 22,367.22
Provisions and Contingencies 89,672.28 73,488.41
Income over Expenditure 15,490.72 78,867.67 Exp. Over Income - -
No. of RRBs in Profit 2 2 No. of RRBs in Loss 0 0
TOTAL 3,80,895.36 4,33,056.80 3,80,895.36 4,33,056.80
Per Branch Productivity 3,986.33 4,623.66 CD Ratio 99.76 101.17
Per Employee Productivity 955.08 1,093.08 Recovery (%) 87.73 87.57
Gross NPA (%) 1.50 1.35
Net NPA (%) 0.53 0.13
Gross loans Outstanding 23,70,952.16 27,81,094.02 Loan O/s 17.30 Fin. Return 9.11 9.18
Loans Disbursed 14,91,641.33 17,35,975.36 Deposits 15.65 Fin. Cost 5.24 5.13
Gross NPAs 35,465.38 37,483.09 Net Profit/Loss(-) 409.13 Fin. Margin 3.88 4.06
Net NPA 11,617.63 3,438.11 Salary 1.60 1.26
Average Working Fund 36,68,828.26 40,45,800.63 Other Opt. Exp. 0.68 0.55
Net Profit/Loss (-) 15,490.72 78,867.67 Misc. Income 1.27 1.52
Gross Margin 2.87 3.77
Risk Cost 2.44 1.82
Net Margin 0.42 1.95
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
89
2019-20 Amt. in `lakh
Name of the State: Tripura Total RRBs: 1
No. of Districts: 8 No of Branches : 148 No. of Staff : 801
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 26,561.00 26,561.00 Cash in Hand 2,699.33 4,135.87
Reserves 45,348.89 61,136.31 Balances with RBI 26,122.63 30,396.77
Balances in Current A/c 69,894.20 98,414.27
Deposits 6,69,176.76 7,19,050.20 Balances in Deposit A/c 64,010.56 65,164.47
Current 19,955.18 22,331.63 Other Investments 4,26,653.48 4,53,418.60
Savings 3,50,219.14 3,64,601.56 Loans & Advances (Net) 2,57,568.19 2,74,563.33
Term 2,99,002.44 3,32,117.01 Fixed Assets 529.81 1,101.01
Borrowings 88,292.84 90,337.37 Other Assets 58,256.20 57,061.85
NABARD 22,404.25 25,871.06 Accumulated Losses - -
Sponsor Banks 60,025.05 60,008.77
Others 5,863.54 4,457.54
Other Liabilities 76,354.91 87,171.29
TOTAL 9,05,734.40 9,84,256.17 9,05,734.40 9,84,256.17
Interest on Deposits 29,902.85 36,500.16 Interest on Advances 22,960.64 25,396.78
Interest on RBI/Inter Bk. Funds 1,694.61 1,486.98 Interest on Investments & Bank Balances 31,906.58 32,478.39
Interest on Others 1,816.34 1,038.73 Commission 441.11 439.15
Wage Bill 6,661.57 6,616.72 Other Income 10,727.54 16,899.53
Other Operating Expenses 3,168.69 7,981.64
Provisions and Contingencies 10,247.05 5,802.20
Income over Expenditure 12,544.76 15,787.42 Exp. Over Income - -
No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0
TOTAL 66,035.87 75,213.85 66,035.87 75,213.85
Per Branch Productivity 6,261.79 6,713.60 CD Ratio 38.49 38.18
Per Employee Productivity 1,065.22 1,240.47 Recovery (%) 72.01 72.82
Gross NPA (%) 8.95 8.92
Net NPA (%) 0.00 0.00
Gross loans Outstanding 2,57,568.19 2,74,563.33 Loan O/s 6.60 Fin. Return 7.09 6.93
Loans Disbursed 1,31,989.12 3,77,707.86 Deposits 7.45 Fin. Cost 4.32 4.67
Gross NPAs 23,041.30 24,477.93 Net Profit/Loss(-) 25.85 Fin. Margin 2.77 2.26
Net NPA - - Salary 0.86 0.79
Average Working Fund 7,73,370.76 8,35,123.70 Other Opt. Exp. 0.41 0.96
Net Profit/Loss (-) 12,544.76 15,787.42 Misc. Income 1.44 2.08
Gross Margin 2.95 2.59
Risk Cost 1.32 0.69
Net Margin 1.62 1.89
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
90
2019-20 Amt. in `lakh
Name of the State: Uttar Pradesh Total RRBs: 5
No. of Districts: 79 No of Branches : 4288 No. of Staff : 19072
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 42,224.17 42,224.17 Cash in Hand 73,437.99 65,248.99
Reserves 5,76,353.94 5,61,615.07 Balances with RBI 3,47,455.90 3,82,063.53
Balances in Current A/c 1,20,343.68 1,65,627.68
Deposits 88,10,543.44 95,06,133.26 Balances in Deposit A/c 18,55,871.31 23,73,853.57
Current 2,10,643.03 2,29,855.61 Other Investments 29,86,810.21 29,87,932.53
Savings 59,00,625.50 63,67,534.59 Loans & Advances (Net) 46,46,444.38 48,36,581.33
Term 26,99,274.91 29,08,743.06 Fixed Assets 19,994.48 19,553.47
Borrowings 6,28,100.21 6,88,388.78 Other Assets 3,38,017.11 4,20,157.87
NABARD 5,49,305.86 5,29,761.09 Accumulated Losses - -
Sponsor Banks 41,167.80 1,26,271.35
Others 37,626.55 32,356.34
Other Liabilities 3,31,153.30 4,52,657.69
TOTAL 1,03,88,375.06 1,12,51,018.97 1,03,88,375.06 1,12,51,018.97
Interest on Deposits 3,84,548.29 4,07,480.59 Interest on Advances 4,13,916.41 4,47,101.67
Interest on RBI/Inter Bk. Funds 49,518.55 35,186.56 Interest on Investments & Bank Balances 3,58,929.84 3,77,622.67
Interest on Others 87.62 - Commission 17,318.67 11,681.10
Wage Bill 2,01,836.85 2,63,140.00 Other Income 63,754.16 75,259.83
Other Operating Expenses 98,130.03 1,65,549.35
Provisions and Contingencies 1,58,695.18 58,749.99
Income over Expenditure 38,416.03 27,071.83 Exp. Over Income 77,313.47 45,513.05
No. of RRBs in Profit 5 3 No. of RRBs in Loss 2 2
TOTAL 9,31,232.55 9,57,178.32 9,31,232.55 9,57,178.32
Per Branch Productivity 3,216.12 3,426.22 CD Ratio 56.45 54.55
Per Employee Productivity 733.05 770.32 Recovery (%) 71.13 68.95
Gross NPA (%) 15.14 13.76
Net NPA (%) 9.81 8.02
Gross loans Outstanding 49,73,726.68 51,85,488.11 Loan O/s 4.26 Fin. Return 7.65 7.66
Loans Disbursed 37,16,024.20 43,97,497.69 Deposits 7.89 Fin. Cost 4.30 4.11
Gross NPAs 7,53,006.09 7,13,522.17 Net Profit/Loss(-) -52.59 Fin. Margin 3.35 3.55
Net NPA 4,55,888.60 3,87,724.86 Salary 2.00 2.44
Average Working Fund 1,00,97,674.81 1,07,71,674.70 Other Opt. Exp. 0.97 1.54
Net Profit/Loss (-) -38,897.44 -18,441.22 Misc. Income 0.80 0.81
Gross Margin 1.19 0.37
Risk Cost 1.57 0.55
Net Margin -0.39 -0.17
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
91
2019-20 Amt. in `lakh
Name of the State: Uttarakhand Total RRBs: 1
No. of Districts: 13 No of Branches : 286 No. of Staff : 1105
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 4,214.87 4,214.87 Cash in Hand 1,878.24 2,830.23
Reserves 16,998.88 16,954.21 Balances with RBI 20,100.00 16,760.00
Balances in Current A/c 2,779.02 7,708.70
Deposits 5,00,794.02 5,46,975.74 Balances in Deposit A/c 70,073.61 77,363.67
Current 12,436.88 12,089.61 Other Investments 2,30,930.35 2,51,796.47
Savings 2,72,803.35 2,95,503.32 Loans & Advances (Net) 2,16,836.43 2,31,030.74
Term 2,15,553.79 2,39,382.81 Fixed Assets 1,364.25 1,263.97
Borrowings 15,076.43 12,497.44 Other Assets 10,891.23 10,110.07
NABARD 14,448.19 12,056.94 Accumulated Losses - 7,923.78
Sponsor Banks - -
Others 628.24 440.50
Other Liabilities 17,768.93 26,145.37
TOTAL 5,54,853.13 6,06,787.63 5,54,853.13 6,06,787.63
Interest on Deposits 23,490.32 25,813.59 Interest on Advances 20,697.65 21,952.17
Interest on RBI/Inter Bk. Funds 683.14 686.35 Interest on Investments & Bank Balances 21,671.54 23,498.33
Interest on Others - - Commission 1,860.15 1,996.09
Wage Bill 9,100.77 10,143.83 Other Income 1,161.01 1,494.57
Other Operating Expenses 6,007.55 18,363.81
Provisions and Contingencies 4,625.40 1,857.36
Income over Expenditure 1,483.17 - Exp. Over Income - 7,923.78
No. of RRBs in Profit 1 - No. of RRBs in Loss 0 1
TOTAL 45,390.35 56,864.94 45,390.35 56,864.94
Per Branch Productivity 2,548.63 2,760.14 CD Ratio 45.55 44.32
Per Employee Productivity 627.29 714.39 Recovery (%) 82.95 83.42
Gross NPA (%) 7.30 7.30
Net NPA (%) 3.21 3.53
Gross loans Outstanding 2,28,115.33 2,42,425.65 Loan O/s 6.27 Fin. Return 8.05 7.97
Loans Disbursed 1,45,026.91 1,51,192.93 Deposits 9.22 Fin. Cost 4.59 4.64
Gross NPAs 16,653.95 17,707.72 Net Profit/Loss(-) -634.25 Fin. Margin 3.46 3.32
Net NPA 6,954.34 8,166.52 Salary 1.73 1.78
Average Working Fund 5,26,119.63 5,70,560.15 Other Opt. Exp. 1.14 3.22
Net Profit/Loss (-) 1,483.17 -7,923.78 Misc. Income 0.57 0.61
Gross Margin 1.16 -1.06
Risk Cost 0.88 0.33
Net Margin 0.28 -1.39
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
92
2019-20 Amt. in `lakh
Name of the State: West Bengal Total RRBs: 3
No. of Districts: 22 No of Branches : 959 No. of Staff : 3882
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 1,04,361.30 1,23,292.30 Cash in Hand 12,112.28 19,471.71
Reserves 4,912.20 5,185.30 Balances with RBI 98,361.00 84,036.57
Balances in Current A/c 41,419.26 50,180.38
Deposits 23,66,668.51 25,23,460.53 Balances in Deposit A/c 1,66,988.73 2,40,031.80
Current 45,290.88 56,755.90 Other Investments 11,78,550.67 11,87,758.95
Savings 12,87,740.33 14,04,011.13 Loans & Advances (Net) 10,15,444.89 10,36,266.16
Term 10,33,637.30 10,62,693.50 Fixed Assets 5,299.01 4,765.97
Borrowings 94,258.96 60,588.25 Other Assets 85,174.66 85,861.51
NABARD 49,600.51 53,725.59 Accumulated Losses 68,811.01 1,29,209.08
Sponsor Banks 38,999.75 -
Others 5,658.70 6,862.66
Other Liabilities 1,01,960.54 1,25,055.75
TOTAL 26,72,161.51 28,37,582.13 26,72,161.51 28,37,582.13
Interest on Deposits 1,13,905.09 1,18,796.30 Interest on Advances 89,797.18 97,809.57
Interest on RBI/Inter Bk. Funds 3,462.65 3,065.13 Interest on Investments & Bank Balances 97,580.97 1,00,208.63
Interest on Others - - Commission 1,585.10 1,785.77
Wage Bill 59,749.64 96,108.41 Other Income 13,259.37 20,939.45
Other Operating Expenses 19,093.26 19,722.41
Provisions and Contingencies 31,982.79 43,372.55
Income over Expenditure 1,777.27 76.69 Exp. Over Income 27,748.08 60,398.07
No. of RRBs in Profit 2 1 No. of RRBs in Loss 1 2
TOTAL 2,29,970.70 2,81,141.49 2,29,970.70 2,81,141.49
Per Branch Productivity 3,590.77 3,803.30 CD Ratio 45.50 44.54
Per Employee Productivity 831.98 939.56 Recovery (%) 69.06 68.18
Gross NPA (%) 17.71 17.11
Net NPA (%) 11.46 10.10
Gross loans Outstanding 10,76,876.29 11,23,906.90 Loan O/s 4.37 Fin. Return 7.70 7.62
Loans Disbursed 7,15,685.13 8,55,157.92 Deposits 6.63 Fin. Cost 4.82 4.69
Gross NPAs 1,90,669.88 1,92,295.77 Net Profit/Loss(-) 132.27 Fin. Margin 2.88 2.93
Net NPA 1,16,336.49 1,04,654.11 Salary 2.46 3.70
Average Working Fund 24,33,551.48 25,99,229.12 Other Opt. Exp. 0.78 0.76
Net Profit/Loss (-) -25,970.81 -60,321.38 Misc. Income 0.61 0.87
Gross Margin 0.25 -0.65
Risk Cost 1.31 1.67
Net Margin -1.07 -2.32
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
93
PART IVSPONSOR-BANKWISE SUMMARY
94
2019-20 Amt. in `lakh
Name of Sponsor Bank: Allahabad Bank Total RRBs:
No. of Districts: No of Branches : No. of Staff :
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 6,192.79 Cash in Hand 14,029.42
Reserves 25,285.34 Balances with RBI 43,879.65
- Balances in Current A/c 1,714.43
Deposits 11,28,543.11 Balances in Deposit A/c 2,45,001.80
Current 28,852.31 Other Investments 2,66,173.95
Savings 8,21,750.40 Loans & Advances (Net) 6,06,345.72
Term 2,77,940.40 Fixed Assets 3,514.69
Borrowings 34,000.37 Other Assets 33,561.90
NABARD 31,687.82 Accumulated Losses -
Sponsor Banks 1,400.95
Others 911.60
Other Liabilities 20,199.95
TOTAL 12,14,221.56 12,14,221.56
Interest on Deposits 44,425.67 Interest on Advances 33,281.50
Interest on RBI/Inter Bk. Funds 4,311.89 Interest on Investments & Bank Balances 34,621.19
Interest on Others - Commission 2,621.92
Wage Bill 26,578.68 Other Income 4,758.73
Other Operating Expenses 10,800.96
Provisions and Contingencies 40,156.73
Income over Expenditure - Exp. Over Income 50,990.59
No. of RRBs in Profit - No. of RRBs in Loss 1
TOTAL 1,26,273.93 1,26,273.93
Per Branch Productivity 2,768.59 CD Ratio 60.44
Per Employee Productivity 703.17 Recovery (%) 62.78
Gross NPA (%) 55.75
Net NPA (%) 50.22
Gross loans Outstanding 6,82,117.79 Loan O/s Fin. Return 5.48
Loans Disbursed 2,16,854.00 Deposits Fin. Cost 3.94
Gross NPAs 3,80,290.05 Net Profit/Loss(-) Fin. Margin 1.55
Net NPA 3,04,517.97 Salary 2.15
Average Working Fund 12,38,505.74 Other Opt. Exp. 0.87
Net Profit/Loss (-) -50,990.59 Misc. Income 0.60
Gross Margin -0.87
Risk Cost 3.24
Net Margin -4.12
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
95
96
2019-20 Amt. in `lakh
Name of Sponsor Bank: Andhra Bank Total RRBs: 1
No. of Districts: 3 No of Branches : 220 No. of Staff : 1062
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 744.22 744.22 Cash in Hand 9,987.76 7,079.72
Reserves 42,676.02 49,740.25 Balances with RBI 17,314.00 21,060.90
Balances in Current A/c 8,763.62 13,400.85
Deposits 4,45,776.88 5,37,971.34 Balances in Deposit A/c 39,135.06 69,011.57
Current 10,719.96 11,257.77 Other Investments 1,33,267.77 1,32,219.59
Savings 1,35,474.61 1,58,369.07 Loans & Advances (Net) 4,58,226.26 4,99,143.46
Term 2,99,582.31 3,68,344.50 Fixed Assets 1,661.45 1,607.02
Borrowings 1,85,808.12 1,76,227.71 Other Assets 46,311.46 43,704.40
NABARD 1,81,540.40 1,75,661.31 Accumulated Losses - -
Sponsor Banks 1.49 1.49
Others 4,266.23 564.91
Other Liabilities 39,662.14 22,543.99
TOTAL 7,14,667.38 7,87,227.51 7,14,667.38 7,87,227.51
Interest on Deposits 24,744.22 31,071.51 Interest on Advances 49,961.42 53,888.03
Interest on RBI/Inter Bk. Funds 11,107.60 9,192.37 Interest on Investments & Bank Balances 9,290.81 11,546.71
Interest on Others 2,529.95 2,600.75 Commission 375.62 294.32
Wage Bill 9,893.31 11,361.92 Other Income 5,208.75 6,206.88
Other Operating Expenses 4,203.34 4,116.60
Provisions and Contingencies 5,708.39 6,528.56
Income over Expenditure 6,649.79 7,064.23 Exp. Over Income - -
No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0
TOTAL 64,836.60 71,935.94 64,836.60 71,935.94
Per Branch Productivity 4,165.38 4,734.73 CD Ratio 103.70 93.62
Per Employee Productivity 931.34 980.83 Recovery (%) 81.15 82.54
Gross NPA (%) 1.01 1.12
Net NPA (%) 0.14 0.23
Gross loans Outstanding 4,62,275.03 5,03,668.46 Loan O/s 8.95 Fin. Return 8.86 8.72
Loans Disbursed 4,27,775.11 4,48,696.51 Deposits 20.68 Fin. Cost 5.74 5.71
Gross NPAs 4,677.11 5,650.40 Net Profit/Loss(-) 6.23 Fin. Margin 3.12 3.01
Net NPA 628.34 1,125.40 Salary 1.48 1.51
Average Working Fund 6,68,479.61 7,50,528.91 Other Opt. Exp. 0.63 0.55
Net Profit/Loss (-) 6,649.79 7,064.23 Misc. Income 0.84 0.87
Gross Margin 1.85 1.81
Risk Cost 0.85 0.87
Net Margin 0.99 0.94
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
2019-20 Amt. in `lakh
Name of Sponsor Bank: Bank of Baroda Total RRBs: 3
No. of Districts: 57 No of Branches : 2265 No. of Staff : 10085
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 45,689.75 51,213.14 Cash in Hand 18,291.04 18,213.07
Reserves 2,15,589.59 2,53,662.04 Balances with RBI 1,54,832.94 1,92,514.92
Balances in Current A/c 55,134.53 75,875.20
Deposits 39,51,760.62 49,13,862.07 Balances in Deposit A/c 5,09,972.23 6,24,156.03
Current 66,921.90 76,738.91 Other Investments 16,06,895.73 19,86,654.53
Savings 23,68,089.94 28,42,811.24 Loans & Advances (Net) 21,91,942.73 26,30,975.21
Term 15,16,748.78 19,94,311.92 Fixed Assets 5,519.68 7,091.86
Borrowings 3,27,425.68 3,21,005.67 Other Assets 1,14,153.30 1,71,362.97
NABARD 3,21,027.36 3,14,389.15 Accumulated Losses - -
Sponsor Banks 108.11 4,374.30
Others 6,290.21 2,242.22
Other Liabilities 1,16,276.54 1,67,100.87
TOTAL 46,56,742.18 57,06,843.79 46,56,742.18 57,06,843.79
Interest on Deposits 1,74,343.04 2,22,943.76 Interest on Advances 1,94,164.89 2,45,962.64
Interest on RBI/Inter Bk. Funds 23,031.36 18,758.43 Interest on Investments & Bank Balances 1,60,386.30 1,92,148.18
Interest on Others 13.14 31.84 Commission 5,641.95 10,898.60
Wage Bill 1,08,419.39 1,35,115.33 Other Income 23,093.85 39,004.34
Other Operating Expenses 44,153.19 79,185.12
Provisions and Contingencies 12,451.17 14,269.10
Income over Expenditure 20,875.70 17,710.18 Exp. Over Income - -
No. of RRBs in Profit 3 3 No. of RRBs in Loss 0 0
TOTAL 3,83,286.99 4,88,013.76 3,83,286.99 4,88,013.76
Per Branch Productivity 3,088.89 3,367.49 CD Ratio 57.58 55.22
Per Employee Productivity 717.09 756.31 Recovery (%) 82.49 79.95
Gross NPA (%) 6.20 5.88
Net NPA (%) 2.64 2.93
Gross loans Outstanding 22,75,442.77 27,13,498.81 Loan O/s 19.25 Fin. Return 7.83 8.02
Loans Disbursed 10,50,625.64 18,05,182.78 Deposits 24.35 Fin. Cost 4.36 4.43
Gross NPAs 1,41,005.92 1,59,614.87 Net Profit/Loss(-) -15.16 Fin. Margin 3.47 3.60
Net NPA 57,954.14 77,128.36 Salary 2.40 2.47
Average Working Fund 45,26,778.29 54,60,811.33 Other Opt. Exp. 0.98 1.45
Net Profit/Loss (-) 20,875.70 17,710.18 Misc. Income 0.63 0.91
Gross Margin 0.74 0.59
Risk Cost 0.28 0.26
Net Margin 0.46 0.32
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
97
2019-20 Amt. in `lakh
Name of Sponsor Bank: Bank of India Total RRBs: 3
No. of Districts: 82 No of Branches : 2554 No. of Staff : 11011
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 44,277.19 70,208.08 Cash in Hand 23,390.08 36,860.18
Reserves 2,17,043.12 2,57,602.77 Balances with RBI 1,20,558.71 1,89,552.57
Balances in Current A/c 89,057.12 1,27,204.89
Deposits 29,57,418.59 47,48,583.22 Balances in Deposit A/c 3,22,098.07 8,80,846.12
Current 73,947.45 1,31,027.39 Other Investments 9,71,689.95 10,67,031.16
Savings 17,14,653.43 28,08,496.39 Loans & Advances (Net) 19,80,010.65 29,14,143.89
Term 11,68,817.71 18,09,059.44 Fixed Assets 10,250.37 14,233.77
Borrowings 2,98,943.37 2,59,718.48 Other Assets 1,23,434.34 2,03,015.44
NABARD 1,74,345.20 69,980.22 Accumulated Losses 7,710.68 1,07,378.34
Sponsor Banks 72,329.80 1,40,424.65
Others 52,268.37 49,313.61
Other Liabilities 1,30,517.70 2,04,153.81
TOTAL 36,48,199.97 55,40,266.36 36,48,199.97 55,40,266.36
Interest on Deposits 1,37,710.06 2,11,554.68 Interest on Advances 2,00,902.00 2,49,205.86
Interest on RBI/Inter Bk. Funds 14,202.53 12,707.80 Interest on Investments & Bank Balances 96,771.78 1,39,677.34
Interest on Others 5,972.21 1,807.40 Commission 4,391.35 7,282.72
Wage Bill 63,751.59 2,05,148.35 Other Income 34,229.31 42,110.67
Other Operating Expenses 22,199.64 35,719.98
Provisions and Contingencies 83,552.90 38,192.38
Income over Expenditure 15,511.38 4,512.99 Exp. Over Income 6,605.87 71,366.99
No. of RRBs in Profit 3 1 No. of RRBs in Loss 1 2
TOTAL 3,42,900.31 5,09,643.58 3,42,900.31 5,09,643.58
Per Branch Productivity 2,987.53 3,090.30 CD Ratio 70.32 66.21
Per Employee Productivity 667.33 716.79 Recovery (%) 70.55 62.89
Gross NPA (%) 11.63 20.54
Net NPA (%) 7.15 14.27
Gross loans Outstanding 20,79,555.65 31,44,034.41 Loan O/s 51.19 Fin. Return 8.24 7.04
Loans Disbursed 11,25,060.11 14,47,654.02 Deposits 60.57 Fin. Cost 4.37 4.09
Gross NPAs 2,41,801.12 6,45,693.18 Net Profit/Loss(-) -850.70 Fin. Margin 3.87 2.95
Net NPA 1,41,488.06 4,15,802.67 Salary 1.76 3.71
Average Working Fund 36,12,866.77 55,25,291.47 Other Opt. Exp. 0.61 0.65
Net Profit/Loss (-) 8,905.51 -66,854.00 Misc. Income 1.07 0.89
Gross Margin 2.56 -0.52
Risk Cost 2.31 0.69
Net Margin 0.25 -1.21
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
98
2019-20 Amt. in `lakh
Name of Sponsor Bank: Bank of Maharashtra Total RRBs: 1
No. of Districts: 17 No of Branches : 412 No. of Staff : 1742
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 20,934.62 20,934.62 Cash in Hand 9,229.12 8,213.49
Reserves 24,546.81 27,266.03 Balances with RBI 49,054.01 37,968.57
Balances in Current A/c 12,187.68 20,637.06
Deposits 9,91,146.76 11,42,578.10 Balances in Deposit A/c 2,21,870.67 3,00,321.94
Current 47,488.92 43,522.28 Other Investments 3,94,278.36 3,71,376.79
Savings 4,83,547.37 5,83,341.83 Loans & Advances (Net) 4,44,190.02 4,85,525.90
Term 4,60,110.47 5,15,713.99 Fixed Assets 2,251.13 2,621.45
Borrowings 92,021.62 37,190.48 Other Assets 21,184.09 23,361.20
NABARD 36,397.39 32,313.05 Accumulated Losses - -
Sponsor Banks - -
Others 55,624.23 4,877.43
Other Liabilities 25,595.27 22,057.17
TOTAL 11,54,245.08 12,50,026.40 11,54,245.08 12,50,026.40
Interest on Deposits 46,272.85 49,482.56 Interest on Advances 46,592.49 49,016.36
Interest on RBI/Inter Bk. Funds 4,738.48 3,128.18 Interest on Investments & Bank Balances 38,242.99 41,869.48
Interest on Others - - Commission 808.53 819.12
Wage Bill 22,211.03 29,524.58 Other Income 10,617.45 10,152.97
Other Operating Expenses 11,220.50 11,265.66
Provisions and Contingencies 7,840.35 5,737.74
Income over Expenditure 3,978.25 2,719.21 Exp. Over Income - -
No. of RRBs in Profit 1 1 No. of RRBs in Loss 0 0
TOTAL 96,261.46 1,01,857.93 96,261.46 1,01,857.93
Per Branch Productivity 3,526.91 4,000.90 CD Ratio 46.96 44.27
Per Employee Productivity 879.07 946.25 Recovery (%) 56.57 66.90
Gross NPA (%) 7.40 7.91
Net NPA (%) 2.97 4.07
Gross loans Outstanding 4,65,468.90 5,05,792.32 Loan O/s 8.66 Fin. Return 7.75 7.77
Loans Disbursed 2,59,598.66 2,13,235.20 Deposits 15.28 Fin. Cost 4.66 4.50
Gross NPAs 34,443.29 39,998.42 Net Profit/Loss(-) -31.65 Fin. Margin 3.09 3.27
Net NPA 13,174.42 19,739.44 Salary 2.03 2.52
Average Working Fund 10,95,258.39 11,69,310.93 Other Opt. Exp. 1.02 0.96
Net Profit/Loss (-) 3,978.25 2,719.21 Misc. Income 1.04 0.94
Gross Margin 1.08 0.72
Risk Cost 0.72 0.49
Net Margin 0.36 0.23
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
99
2019-20 Amt. in `lakh
Name of Sponsor Bank: Canara Bank Total RRBs: 2
No. of Districts: 35 No of Branches : 1776 No. of Staff : 8628
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 7,207.99 12,605.25 Cash in Hand 38,033.17 37,092.66
Reserves 2,16,855.46 2,72,962.02 Balances with RBI 1,24,617.16 1,21,157.84
Balances in Current A/c 14,963.29 11,285.59
Deposits 32,79,688.11 47,68,895.39 Balances in Deposit A/c 1,71,259.24 5,78,652.08
Current 88,415.24 1,08,222.83 Other Investments 7,17,156.01 11,74,991.75
Savings 11,87,270.80 16,07,518.23 Loans & Advances (Net) 29,52,945.29 37,00,943.81
Term 20,04,002.07 30,53,154.33 Fixed Assets 15,712.38 17,632.02
Borrowings 5,33,462.91 6,35,255.05 Other Assets 1,74,998.72 2,05,346.07
NABARD 4,72,260.32 5,76,387.74 Accumulated Losses - 5,570.24
Sponsor Banks 6,271.30 418.60
Others 54,931.29 58,448.71
Other Liabilities 1,72,470.79 1,62,954.35
TOTAL 42,09,685.26 58,52,672.06 42,09,685.26 58,52,672.06
Interest on Deposits 1,86,813.52 2,58,961.41 Interest on Advances 3,16,201.96 3,81,235.57
Interest on RBI/Inter Bk. Funds 46,955.48 33,323.39 Interest on Investments & Bank Balances 66,173.10 95,972.52
Interest on Others 10,047.92 13,781.13 Commission 13,193.33 17,977.85
Wage Bill 73,296.51 1,09,860.17 Other Income 15,712.74 42,482.03
Other Operating Expenses 63,377.52 48,611.54
Provisions and Contingencies 23,126.97 76,370.34
Income over Expenditure 7,663.21 1,861.05 Exp. Over Income - 5,101.06
No. of RRBs in Profit 2 1 No. of RRBs in Loss 0 1
TOTAL 4,11,281.13 5,42,769.03 4,11,281.13 5,42,769.03
Per Branch Productivity 5,044.63 4,903.92 CD Ratio 99.04 82.63
Per Employee Productivity 928.69 1,009.43 Recovery (%) 84.53 86.79
Gross NPA (%) 3.82 7.35
Net NPA (%) 2.02 4.35
Gross loans Outstanding 32,48,063.02 39,40,461.70 Loan O/s 21.32 Fin. Return 8.66 8.24
Loans Disbursed 23,05,374.95 26,64,007.40 Deposits 45.41 Fin. Cost 5.52 5.28
Gross NPAs 1,23,959.49 2,89,569.87 Net Profit/Loss(-) -142.28 Fin. Margin 3.14 2.95
Net NPA 59,605.25 1,61,051.98 Salary 1.66 1.90
Average Working Fund 44,14,797.74 57,93,355.62 Other Opt. Exp. 1.44 0.84
Net Profit/Loss (-) 7,663.21 -3,240.01 Misc. Income 0.65 1.04
Gross Margin 0.70 1.26
Risk Cost 0.52 1.32
Net Margin 0.17 -0.06
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
100
2019-20 Amt. in `lakh
Name of Sponsor Bank: Central Bank of India Total RRBs: 2
No. of Districts: 23 No of Branches : 1174 No. of Staff : 3568
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 79,172.77 60,655.50 Cash in Hand 11,032.11 9,089.75
Reserves 21,853.88 9,935.51 Balances with RBI 1,03,802.14 80,979.46
Balances in Current A/c 27,730.41 16,371.90
Deposits 25,64,615.92 19,99,548.68 Balances in Deposit A/c 5,21,144.59 4,42,826.73
Current 58,205.97 40,261.48 Other Investments 7,91,732.54 5,18,976.17
Savings 15,73,744.26 13,37,963.17 Loans & Advances (Net) 13,00,303.53 9,87,251.97
Term 9,32,665.69 6,21,324.03 Fixed Assets 6,418.67 2,614.21
Borrowings 1,99,514.08 1,10,860.98 Other Assets 1,46,464.23 1,91,227.51
NABARD 1,85,532.00 1,03,043.11 Accumulated Losses 20,914.52 37,745.88
Sponsor Banks 7,272.96 613.77
Others 6,709.12 7,204.10
Other Liabilities 64,386.09 1,06,082.91
TOTAL 29,29,542.74 22,87,083.58 29,29,542.74 22,87,083.58
Interest on Deposits 1,16,332.30 80,939.70 Interest on Advances 1,09,834.83 93,743.11
Interest on RBI/Inter Bk. Funds 15,246.79 8,915.56 Interest on Investments & Bank Balances 1,01,995.93 75,351.89
Interest on Others - - Commission 3,537.10 1,721.23
Wage Bill 49,893.96 77,817.19 Other Income 11,153.71 13,064.89
Other Operating Expenses 41,642.88 27,828.35
Provisions and Contingencies 21,544.79 29,249.03
Income over Expenditure 2,775.37 76.69 Exp. Over Income 20,914.52 40,945.40
No. of RRBs in Profit 2 1 No. of RRBs in Loss 1 1
TOTAL 2,47,436.09 2,24,826.52 2,47,436.09 2,24,826.52
Per Branch Productivity 2,431.42 2,614.12 CD Ratio 54.53 53.48
Per Employee Productivity 747.21 860.14 Recovery (%) 59.34 28.74
Gross NPA (%) 26.93 19.29
Net NPA (%) 21.86 12.57
Gross loans Outstanding 13,98,592.31 10,69,423.59 Loan O/s -23.54 Fin. Return 7.52 8.10
Loans Disbursed 12,74,643.09 9,93,243.66 Deposits -22.03 Fin. Cost 4.67 4.30
Gross NPAs 3,76,634.83 2,06,275.81 Net Profit/Loss(-) 125.31 Fin. Margin 2.85 3.80
Net NPA 2,84,309.48 1,24,104.20 Salary 1.77 3.73
Average Working Fund 28,16,590.19 20,87,603.49 Other Opt. Exp. 1.48 1.33
Net Profit/Loss (-) -18,139.15 -40,868.71 Misc. Income 0.52 0.71
Gross Margin 0.12 -0.56
Risk Cost 0.76 1.40
Net Margin -0.64 -1.96
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
101
2019-20 Amt. in `lakh
Name of Sponsor Bank: Dena Bank Total RRBs:
No. of Districts: No of Branches : No. of Staff :
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 5,523.39 Cash in Hand 3,139.45
Reserves 20,362.28 Balances with RBI 18,135.51
Balances in Current A/c 2,209.21
Deposits 4,51,498.20 Balances in Deposit A/c 68,289.60
Current 6,140.01 Other Investments 1,57,313.67
Savings 2,10,324.35 Loans & Advances (Net) 2,48,689.78
Term 2,35,033.84 Fixed Assets 1,927.76
Borrowings 28,039.04 Other Assets 18,127.22
NABARD 26,637.21 Accumulated Losses -
Sponsor Banks 0.95
Others 1,400.88
Other Liabilities 12,409.29
TOTAL 5,17,832.20 5,17,832.20
Interest on Deposits 22,478.76 Interest on Advances 21,217.60
Interest on RBI/Inter Bk. Funds 1,973.54 Interest on Investments & Bank Balances 15,263.87
Interest on Others - Commission 176.83
Wage Bill 9,078.63 Other Income 2,503.04
Other Operating Expenses 3,150.71
Provisions and Contingencies 2,305.79
Income over Expenditure 173.91 Exp. Over Income -
No. of RRBs in Profit 1 No. of RRBs in Loss 0
TOTAL 39,161.34 39,161.34
Per Branch Productivity 2,907.32 CD Ratio 56.47
Per Employee Productivity 815.80 Recovery (%) 86.87
Gross NPA (%) 7.97
Net NPA (%) 5.30
Gross loans Outstanding 2,54,981.58 Loan O/s Fin. Return 7.31
Loans Disbursed 1,97,591.38 Deposits Fin. Cost 4.90
Gross NPAs 20,316.66 Net Profit/Loss(-) Fin. Margin 2.41
Net NPA 13,192.78 Salary 1.82
Average Working Fund 4,98,894.51 Other Opt. Exp. 0.63
Net Profit/Loss (-) 173.91 Misc. Income 0.54
Gross Margin 0.50
Risk Cost 0.46
Net Margin 0.03
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
TOTAL
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
102
2019-20 Amt. in `lakh
Name of Sponsor Bank: Indian Bank Total RRBs: 3
No. of Districts: 40 No of Branches : 898 No. of Staff : 3565
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 3,782.83 7,822.50 Cash in Hand 7,289.86 13,176.80
Reserves 1,03,977.02 1,99,803.49 Balances with RBI 42,886.88 65,642.82
Balances in Current A/c 8,934.63 31,364.21
Deposits 11,53,346.19 19,79,097.49 Balances in Deposit A/c 3,06,223.16 6,08,361.22
Current 10,722.65 14,342.51 Other Investments 2,00,909.16 3,53,796.84
Savings 2,73,541.69 4,91,917.98 Loans & Advances (Net) 10,53,016.33 17,78,379.28
Term 8,69,081.85 14,72,837.00 Fixed Assets 5,849.51 7,800.13
Borrowings 3,70,581.01 7,23,591.36 Other Assets 62,815.01 1,31,038.93
NABARD 3,65,309.15 7,12,205.83 Accumulated Losses - -
Sponsor Banks 32.66 0.01
Others 5,239.20 11,385.52
Other Liabilities 56,237.49 79,245.39
TOTAL 16,87,924.54 29,89,560.23 16,87,924.54 29,89,560.23
Interest on Deposits 66,680.36 1,19,188.40 Interest on Advances 1,02,090.52 1,67,977.54
Interest on RBI/Inter Bk. Funds 23,834.30 35,486.70 Interest on Investments & Bank Balances 35,875.22 70,916.11
Interest on Others - 3,171.07 Commission 584.44 15,998.39
Wage Bill 14,203.75 47,564.95 Other Income 12,246.68 19,264.80
Other Operating Expenses 13,276.90 15,486.95
Provisions and Contingencies 16,291.48 24,626.31
Income over Expenditure 16,510.07 28,632.46 Exp. Over Income - -
No. of RRBs in Profit 3 3 No. of RRBs in Loss 0 0
TOTAL 1,50,796.86 2,74,156.84 1,50,796.86 2,74,156.84
Per Branch Productivity 4,099.88 4,255.86 CD Ratio 96.93 93.11
Per Employee Productivity 1,185.46 1,072.02 Recovery (%) 91.49 95.42
Gross NPA (%) 2.00 2.17
Net NPA (%) 0.51 0.60
Gross loans Outstanding 11,17,987.24 18,42,660.34 Loan O/s 64.82 Fin. Return 9.59 8.44
Loans Disbursed 12,07,010.60 20,48,661.96 Deposits 71.60 Fin. Cost 6.29 5.57
Gross NPAs 22,384.99 39,980.74 Net Profit/Loss(-) 73.42 Fin. Margin 3.30 2.86
Net NPA 5,388.05 10,699.68 Salary 0.99 1.68
Average Working Fund 14,38,633.14 28,31,897.98 Other Opt. Exp. 0.92 0.55
Net Profit/Loss (-) 16,510.07 28,632.46 Misc. Income 0.89 1.25
Gross Margin 2.28 1.88
Risk Cost 1.13 0.87
Net Margin 1.15 1.01
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
103
2019-20 Amt. in `lakh
Name of Sponsor Bank: Indian Overseas Bank Total RRBs: 1
No. of Districts: 13 No of Branches : 549 No. of Staff : 2379
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 67,560.53 78,219.86 Cash in Hand 8,064.03 6,301.93
Reserves 72,777.54 5,583.54 Balances with RBI 75,399.85 36,060.87
- Balances in Current A/c 10,991.59 19,821.37
Deposits 17,45,167.21 12,58,887.54 Balances in Deposit A/c 2,35,270.81 34,810.72
Current 13,784.90 9,837.89 Other Investments 8,85,185.60 7,10,576.35
Savings 6,74,262.18 5,72,155.76 Loans & Advances (Net) 8,45,321.79 4,39,833.06
Term 10,57,120.13 6,76,893.89 Fixed Assets 4,712.02 2,136.21
Borrowings 2,69,731.09 3,450.58 Other Assets 1,04,373.93 47,494.63
NABARD 2,63,728.51 69.17 Accumulated Losses 63,011.23 1,02,602.58
Sponsor Banks - -
Others 6,002.58 3,381.41
Other Liabilities 77,094.48 53,496.20
TOTAL 22,32,330.85 13,99,637.72 22,32,330.85 13,99,637.72
Interest on Deposits 96,434.90 62,761.69 Interest on Advances 94,820.86 38,380.33
Interest on RBI/Inter Bk. Funds 26,984.02 38.12 Interest on Investments & Bank Balances 79,210.33 48,692.83
Interest on Others 88.68 - Commission 4,729.25 497.58
Wage Bill 52,379.13 39,915.70 Other Income 9,980.60 11,963.73
Other Operating Expenses 13,521.69 7,731.04
Provisions and Contingencies 13,939.18 28,679.27
Income over Expenditure 7,332.24 - Exp. Over Income 21,938.80 39,591.35
No. of RRBs in Profit 1 - No. of RRBs in Loss 1 1
TOTAL 2,10,679.84 1,39,125.82 2,10,679.84 1,39,125.82
Per Branch Productivity 3,192.01 3,225.98 CD Ratio 62.42 40.68
Per Employee Productivity 753.86 744.46 Recovery (%) 92.18 74.06
Gross NPA (%) 12.09 26.08
Net NPA (%) 9.32 13.92
Gross loans Outstanding 10,89,341.49 5,12,175.55 Loan O/s -52.98 Fin. Return 7.56 6.80
Loans Disbursed 9,16,520.09 2,28,099.61 Deposits -27.86 Fin. Cost 5.37 4.90
Gross NPAs 1,31,665.35 1,33,588.61 Net Profit/Loss(-) 171.05 Fin. Margin 2.20 1.90
Net NPA 78,797.21 61,246.12 Salary 2.28 3.12
Average Working Fund 23,00,923.32 12,80,556.65 Other Opt. Exp. 0.59 0.60
Net Profit/Loss (-) -14,606.56 -39,591.35 Misc. Income 0.64 0.97
Gross Margin -0.03 -0.85
Risk Cost 0.61 2.24
Net Margin -0.63 -3.09
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
104
105
2019-20 Amt. in `lakh
Name of Sponsor Bank: J&K Bank Total RRBs: 1
No. of Districts: 13 No of Branches : 217 No. of Staff : 1051
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 9,716.30 9,716.30 Cash in Hand 807.27 1,038.28
Reserves 7,991.64 7,991.64 Balances with RBI 14,601.88 16,136.88
Balances in Current A/c 47.69 907.58
Deposits 3,82,372.39 4,10,690.68 Balances in Deposit A/c 1,47,277.47 1,29,433.41
Current 13,535.27 12,356.24 Other Investments 75,419.61 83,472.27
Savings 1,89,564.26 1,97,854.09 Loans & Advances (Net) 1,80,393.31 2,09,829.59
Term 1,79,272.86 2,00,480.35 Fixed Assets 1,472.15 1,632.37
Borrowings 25,063.21 16,939.70 Other Assets 9,436.86 12,084.47
NABARD 23,896.44 15,772.93 Accumulated Losses - 11,933.88
Sponsor Banks - -
Others 1,166.77 1,166.77
Other Liabilities 4,312.70 21,130.41
TOTAL 4,29,456.24 4,66,468.73 4,29,456.24 4,66,468.73
Interest on Deposits 18,180.58 19,852.78 Interest on Advances 17,413.72 19,836.92
Interest on RBI/Inter Bk. Funds 1,655.90 - Interest on Investments & Bank Balances 15,685.27 17,095.45
Interest on Others - 1,647.68 Commission 263.03 242.49
Wage Bill 8,335.69 25,977.40 Other Income 885.12 784.51
Other Operating Expenses 3,105.67 3,062.74
Provisions and Contingencies 2,163.29 -647.35
Income over Expenditure 806.01 - Exp. Over Income - 11,933.88
No. of RRBs in Profit 1 - No. of RRBs in Loss - 1
TOTAL 34,247.14 49,893.25 34,247.14 49,893.25
Per Branch Productivity 2,634.52 2,907.89 CD Ratio 49.51 53.65
Per Employee Productivity 561.03 600.39 Recovery (%) 66.59 73.90
Gross NPA (%) 9.47 9.11
Net NPA (%) 4.99 4.57
Gross loans Outstanding 1,89,318.88 2,20,321.74 Loan O/s 16.38 Fin. Return 8.26 8.30
Loans Disbursed 91,896.60 1,30,444.96 Deposits 7.41 Fin. Cost 4.95 4.83
Gross NPAs 17,931.25 20,074.73 Net Profit/Loss(-) -1580.61 Fin. Margin 3.31 3.47
Net NPA 9,005.68 9,582.58 Salary 2.08 5.84
Average Working Fund 4,00,895.78 4,45,037.38 Other Opt. Exp. 0.77 0.69
Net Profit/Loss (-) 806.01 -11,933.88 Misc. Income 0.29 0.23
Gross Margin 0.74 -2.83
Risk Cost 0.54 -0.15
Net Margin 0.20 -2.68
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
2019-20 Amt. in `lakh
Name of Sponsor Bank: Punjab National Bank Total RRBs: 5
No. of Districts: 96 No of Branches : 3355 No. of Staff : 14036
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 42,032.59 58,051.35 Cash in Hand 36,159.04 38,204.92
Reserves 3,64,541.63 4,60,429.52 Balances with RBI 2,18,346.95 2,53,803.72
Balances in Current A/c 37,370.86 43,091.40
Deposits 56,54,391.25 69,44,323.71 Balances in Deposit A/c 10,13,457.98 9,20,798.39
Current 1,81,676.50 1,83,877.83 Other Investments 21,44,626.08 26,91,330.45
Savings 32,13,824.77 39,54,795.53 Loans & Advances (Net) 32,58,381.09 40,86,729.12
Term 22,58,889.98 28,05,650.35 Fixed Assets 19,071.36 20,349.77
Borrowings 7,91,535.11 7,28,734.72 Other Assets 2,17,905.87 2,70,910.35
NABARD 6,76,581.89 6,17,541.87 Accumulated Losses - 22,020.28
Sponsor Banks 86,698.36 96,324.03
Others 28,254.86 14,868.82
Other Liabilities 92,818.65 1,55,699.10
TOTAL 69,45,319.23 83,47,238.40 69,45,319.23 83,47,238.40
Interest on Deposits 1,68,344.65 3,16,463.79 Interest on Advances 1,77,388.76 3,77,209.23
Interest on RBI/Inter Bk. Funds 20,189.53 42,620.89 Interest on Investments & Bank Balances 1,36,221.76 2,65,897.82
Interest on Others 64.65 1,592.46 Commission 3,289.77 7,363.67
Wage Bill 66,472.24 1,79,113.76 Other Income 26,418.51 61,316.22
Other Operating Expenses 27,346.03 1,00,838.24
Provisions and Contingencies 80,413.64 68,990.42
Income over Expenditure 11,499.06 24,187.66 Exp. Over Income 31,011.00 22,020.28
No. of RRBs in Profit 3 4 No. of RRBs in Loss 2 1
TOTAL 3,74,329.80 7,33,807.22 3,74,329.80 7,33,807.22
Per Branch Productivity 3,123.07 3,386.45 CD Ratio 62.27 63.61
Per Employee Productivity 749.58 809.46 Recovery (%) 76.63 75.80
Gross NPA (%) 13.83 12.83
Net NPA (%) 8.26 6.28
Gross loans Outstanding 35,21,197.26 44,17,220.70 Loan O/s 25.45 Fin. Return 4.70 7.91
Loans Disbursed 28,49,554.98 48,77,547.05 Deposits 22.81 Fin. Cost 2.83 4.44
Gross NPAs 4,87,055.76 5,66,559.56 Net Profit/Loss(-) -111.11 Fin. Margin 1.87 3.48
Net NPA 2,69,295.23 2,56,745.58 Salary 1.00 2.20
Average Working Fund 66,68,764.81 81,27,407.15 Other Opt. Exp. 0.41 1.24
Net Profit/Loss (-) -19,511.94 2,167.38 Misc. Income 0.45 0.85
Gross Margin 0.91 0.88
Risk Cost 1.21 0.85
Net Margin -0.29 0.03
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
106
2019-20 Amt. in `lakh
Name of Sponsor Bank: State Bank of India Total RRBs: 15
No. of Districts: 227 No of Branches : 5,318 No. of Staff : 20136
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 1,91,000.13 2,40,709.01 Cash in Hand 64,606.40 61,610.61
Reserves 6,35,922.76 6,54,017.51 Balances with RBI 4,25,805.39 3,64,561.11
Balances in Current A/c 1,16,135.54 95,351.55
Deposits 1,03,25,849.92 1,07,52,108.06 Balances in Deposit A/c 23,25,763.69 30,91,123.55
Current 2,47,396.46 1,97,848.47 Other Investments 36,94,570.48 36,16,623.05
Savings 53,03,151.01 57,52,482.07 Loans & Advances (Net) 57,86,695.74 58,36,193.87
Term 47,75,302.45 48,01,777.52 Fixed Assets 29,876.86 29,129.70
Borrowings 13,23,830.87 15,67,639.48 Other Assets 4,84,653.72 4,84,197.11
NABARD 12,26,399.55 13,69,196.78 Accumulated Losses 1,23,343.56 1,87,895.48
Sponsor Banks 68,705.98 8,789.07
Others 28,725.34 1,89,653.63
Other Liabilities 5,74,847.70 5,52,211.97
TOTAL 1,30,51,451.38 1,37,66,686.03 1,30,51,451.38 1,37,66,686.03
Interest on Deposits 5,09,271.92 5,15,866.61 Interest on Advances 5,71,466.69 5,84,602.62
Interest on RBI/Inter Bk. Funds 79,936.59 71,385.08 Interest on Investments & Bank Balances 4,15,790.13 4,37,662.95
Interest on Others 10.74 322.11 Commission 79,221.55 76,961.52
Wage Bill 2,27,847.22 3,13,355.00 Other Income 46,210.38 76,580.16
Other Operating Expenses 1,11,409.70 1,02,982.40
Provisions and Contingencies 1,97,108.86 1,65,861.98
Income over Expenditure 37,565.84 89,607.97 Exp. Over Income 50,462.12 83,573.90
No. of RRBs in Profit 13 9 No. of RRBs in Loss 4 6
TOTAL 11,63,150.87 12,59,381.15 11,63,150.87 12,59,381.15
Per Branch Productivity 2,917.76 3,196.24 CD Ratio 59.79 58.09
Per Employee Productivity 748.30 844.14 Recovery (%) 83.05 84.07
Gross NPA (%) 6.94 6.54
Net NPA (%) 3.29 3.10
Gross loans Outstanding 61,74,061.53 62,45,499.95 Loan O/s 1.16 Fin. Return 7.98 8.06
Loans Disbursed 42,48,522.22 39,00,637.86 Deposits 4.13 Fin. Cost 4.76 4.64
Gross NPAs 4,28,177.48 4,08,145.13 Net Profit/Loss(-) -146.79 Fin. Margin 3.22 3.43
Net NPA 1,90,118.16 1,81,133.00 Salary 1.84 2.47
Average Working Fund 1,23,71,789.03 1,26,75,639.26 Other Opt. Exp. 0.90 0.81
Net Profit/Loss (-) -12,896.28 6,034.07 Misc. Income 1.01 1.21
Gross Margin 1.49 1.36
Risk Cost 1.59 1.31
Net Margin -0.10 0.05
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
107
2019-20 Amt. in `lakh
Name of Sponsor Bank: Syndicate Bank Total RRBs: 2
No. of Districts: 14 No of Branches : 1185 No. of Staff : 6158
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 7,506.34 6,631.58 Cash in Hand 19,358.47 12,991.93
Reserves 4,57,077.25 3,56,335.28 Balances with RBI 1,83,837.10 99,945.20
Balances in Current A/c 9,900.88 1,24,760.57
Deposits 35,44,979.79 31,32,920.33 Balances in Deposit A/c 3,69,849.76 6,38,550.00
Current 1,21,294.40 82,373.52 Other Investments 10,17,031.95 7,65,212.21
Savings 14,69,946.95 10,52,105.28 Loans & Advances (Net) 30,71,054.52 25,45,113.65
Term 19,53,738.44 19,98,441.53 Fixed Assets 9,029.58 6,195.63
Borrowings 6,46,760.40 7,03,996.98 Other Assets 1,55,448.03 1,85,292.49
NABARD 6,23,403.89 5,56,940.88 Accumulated Losses - -
Sponsor Banks 3,702.74 1,31,397.62
Others 19,653.77 15,658.48
Other Liabilities 1,79,186.51 1,78,177.51
TOTAL 48,35,510.29 43,78,061.68 48,35,510.29 43,78,061.68
Interest on Deposits 1,85,678.95 1,65,778.18 Interest on Advances 2,76,166.16 2,29,229.11
Interest on RBI/Inter Bk. Funds 43,913.78 31,378.69 Interest on Investments & Bank Balances 1,05,623.38 89,507.71
Interest on Others 87.62 - Commission 5,689.86 2,015.71
Wage Bill 1,09,197.54 1,21,140.08 Other Income 44,533.58 51,753.63
Other Operating Expenses 34,001.15 23,042.62
Provisions and Contingencies 57,327.01 63,526.27
Income over Expenditure 28,129.81 28,136.61 Exp. Over Income 26,322.88 60,496.29
No. of RRBs in Profit 2 1 No. of RRBs in Loss 1 1
TOTAL 4,58,335.86 4,33,002.45 4,58,335.86 4,33,002.45
Per Branch Productivity 4,199.80 4,878.63 CD Ratio 89.67 84.53
Per Employee Productivity 810.50 938.81 Recovery (%) 83.05 84.07
Gross NPA (%) 6.74 7.06
Net NPA (%) 3.46 3.21
Gross loans Outstanding 31,78,904.40 26,48,261.70 Loan O/s -16.69 Fin. Return 8.17 8.05
Loans Disbursed 21,38,122.08 19,30,436.29 Deposits -11.62 Fin. Cost 4.92 4.98
Gross NPAs 2,14,166.27 1,87,034.01 Net Profit/Loss(-) -1890.87 Fin. Margin 3.26 3.07
Net NPA 1,06,316.26 81,680.00 Salary 2.34 3.06
Average Working Fund 46,71,231.19 39,61,596.00 Other Opt. Exp. 0.73 0.58
Net Profit/Loss (-) 1,806.93 -32,359.68 Misc. Income 1.08 1.36
Gross Margin 1.27 0.79
Risk Cost 1.23 1.60
Net Margin 0.04 -0.82
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
108
2019-20 Amt. in `lakh
Name of Sponsor Bank: United Bank of India Total RRBs: 4
No. of Districts: 63 No of Branches : 1235 No. of Staff : 5133
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 1,05,292.50 1,31,933.62 Cash in Hand 17,555.75 24,733.39
Reserves 56,920.69 96,322.41 Balances with RBI 1,29,524.77 1,23,869.51
Balances in Current A/c 1,27,995.12 1,57,388.69
Deposits 31,71,507.90 35,02,912.44 Balances in Deposit A/c 2,27,202.32 3,30,036.95
Current 1,03,800.10 1,25,932.34 Other Investments 17,51,506.11 18,70,467.58
Savings 18,19,314.14 20,54,673.94 Loans & Advances (Net) 11,67,405.70 12,13,234.59
Term 12,48,393.66 13,22,306.16 Fixed Assets 7,496.31 7,850.13
Borrowings 1,68,231.06 1,07,295.47 Other Assets 1,81,311.27 1,80,817.81
NABARD 38,402.15 35,569.19 Accumulated Losses 63,561.42 1,47,125.10
Sponsor Banks 1,18,785.25 62,108.77
Others 11,043.66 9,617.51
Other Liabilities 1,71,606.62 2,17,059.81
TOTAL 36,73,558.77 40,55,523.75 36,73,558.77 40,55,523.75
Interest on Deposits 1,46,198.51 1,61,180.14 Interest on Advances 96,360.32 1,02,041.69
Interest on RBI/Inter Bk. Funds 4,318.86 3,093.15 Interest on Investments & Bank Balances 1,36,877.91 1,46,244.75
Interest on Others 1,816.34 1,038.73 Commission 1,955.91 2,384.09
Wage Bill 69,102.07 1,18,594.83 Other Income 24,018.59 49,388.68
Other Operating Expenses 19,393.98 28,044.36
Provisions and Contingencies 38,693.33 37,490.44
Income over Expenditure 12,544.76 15,787.42 Exp. Over Income 32,855.12 65,169.86
No. of RRBs in Profit 1 1 No. of RRBs in Loss 3 3
TOTAL 2,92,067.85 3,65,229.07 2,92,067.85 3,65,229.07
Per Branch Productivity 3,778.47 3,910.16 CD Ratio 39.99 37.86
Per Employee Productivity 830.16 940.79 Recovery (%) 62.72 69.33
Gross NPA (%) 26.36 23.72
Net NPA (%) 18.03 14.61
Gross loans Outstanding 12,68,190.87 13,26,140.65 Loan O/s 4.57 Fin. Return 7.06 6.98
Loans Disbursed 6,06,380.45 9,39,490.30 Deposits 10.45 Fin. Cost 4.61 4.65
Gross NPAs 3,34,351.10 3,14,581.90 Net Profit/Loss(-) 143.14 Fin. Margin 2.45 2.33
Net NPA 2,10,524.63 1,77,197.54 Salary 2.09 3.34
Average Working Fund 33,01,788.14 35,54,805.62 Other Opt. Exp. 0.59 0.79
Net Profit/Loss (-) -20,310.36 -49,382.44 Misc. Income 0.79 1.46
Gross Margin 0.56 -0.33
Risk Cost 1.17 1.05
Net Margin -0.62 -1.39
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
109
2019-20 Amt. in `lakh
Name of Sponsor Bank: Union Bank of India Total RRBs: 1
No. of Districts: 8 No of Branches : 459 No. of Staff : 2073
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 4,560.60 4,560.60 Cash in Hand 8,564.34 8,140.60
Reserves 56,385.18 29,720.40 Balances with RBI 46,466.09 48,946.09
Balances in Current A/c 15,135.63 11,263.63
Deposits 11,78,249.62 12,28,168.69 Balances in Deposit A/c 4,43,158.74 5,09,436.15
Current 34,851.12 32,842.62 Other Investments 3,74,688.20 3,18,153.92
Savings 6,91,737.37 7,25,383.61 Loans & Advances (Net) 3,76,453.01 4,15,550.31
Term 4,51,661.13 4,69,942.46 Fixed Assets 1,576.40 1,553.70
Borrowings 36,955.86 33,595.74 Other Assets 34,164.31 38,958.63
NABARD 21,222.69 19,852.58 Accumulated Losses - -
Sponsor Banks 7,340.28 7,444.20
Others 8,392.89 6,298.96
Other Liabilities 24,055.46 55,957.60
TOTAL 13,00,206.72 13,52,003.03 13,00,206.72 13,52,003.03
Interest on Deposits 55,691.09 56,619.02 Interest on Advances 32,959.93 37,176.77
Interest on RBI/Inter Bk. Funds 3,231.38 3,122.69 Interest on Investments & Bank Balances 59,999.14 59,435.40
Interest on Others - - Commission 612.04 595.54
Wage Bill 18,283.63 24,565.50 Other Income 3,588.44 2,256.02
Other Operating Expenses 15,879.34 49,984.54
Provisions and Contingencies 841.70 -8,163.24
Income over Expenditure 3,232.41 - Exp. Over Income - 26,664.78
No. of RRBs in Profit 1 - No. of RRBs in Loss - 1
TOTAL 97,159.55 1,26,128.51 97,159.55 1,26,128.51
Per Branch Productivity 3,429.85 3,627.36 CD Ratio 33.61 35.56
Per Employee Productivity 726.82 803.16 Recovery (%) 61.77 61.59
Gross NPA (%) 8.88 11.81
Net NPA (%) 4.03 7.21
Gross loans Outstanding 3,96,051.18 4,36,790.63 Loan O/s 10.29 Fin. Return 7.43 7.34
Loans Disbursed 3,31,652.00 2,06,591.00 Deposits 4.24 Fin. Cost 4.71 4.54
Gross NPAs 35,184.80 51,590.00 Net Profit/Loss(-) -924.92 Fin. Margin 2.72 2.80
Net NPA 15,168.74 29,967.28 Salary 1.46 1.87
Average Working Fund 12,50,951.00 13,16,297.04 Other Opt. Exp. 1.27 3.80
Net Profit/Loss (-) 3,232.41 -26,664.78 Misc. Income 0.34 0.22
Gross Margin 0.33 -2.65
Risk Cost 0.07 -0.62
Net Margin 0.26 -2.03
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
110
2019-20 Amt. in `lakh
Name of Sponsor Bank: UCO Bank Total RRBs: 1
No. of Districts: 5 No of Branches : 230 No. of Staff : 989
LIABILITIES 31-Mar-19 31-Mar-20 31-Mar-19 31-Mar-20
Share Capital 30,901.95 30,901.95 Cash in Hand 1,744.10 3,259.42
Reserves - - Balances with RBI 20,647.17 22,157.14
Balances in Current A/c 8,585.53 12,569.38
Deposits 5,18,130.42 5,53,173.69 Balances in Deposit A/c 1,25,828.23 1,37,865.07
Current 4,619.85 4,567.50 Other Investments 1,41,982.58 1,28,822.66
Savings 2,79,314.85 3,01,528.28 Loans & Advances (Net) 2,73,953.25 2,79,112.07
Term 2,34,195.72 2,47,077.91 Fixed Assets 1,025.52 1,065.87
Borrowings 23,700.37 13,829.60 Other Assets 14,143.38 13,538.83
NABARD 20,979.67 13,108.94 Accumulated Losses 10,117.08 24,389.60
Sponsor Banks 2,000.00 -
Others 720.70 720.66
Other Liabilities 25,294.10 24,874.80
TOTAL 5,98,026.84 6,22,780.04 5,98,026.84 6,22,780.04
Interest on Deposits 24,358.05 25,809.17 Interest on Advances 24,304.35 28,628.68
Interest on RBI/Inter Bk. Funds 1,404.86 913.33 Interest on Investments & Bank Balances 19,970.90 19,660.92
Interest on Others - - Commission 408.13 397.89
Wage Bill 8,964.39 26,353.90 Other Income 3,001.29 3,588.27
Other Operating Expenses 3,732.19 4,279.08
Provisions and Contingencies 8,545.42 9,192.80
Income over Expenditure 679.76 - Exp. Over Income - 14,272.52
No. of RRBs in Profit 1 - No. of RRBs in Loss - 1
TOTAL 47,684.67 66,548.28 47,684.67 66,548.28
Per Branch Productivity 3,443.84 3,689.83 CD Ratio 52.87 53.42
Per Employee Productivity 785.02 858.10 Recovery (%) 65.68 74.24
Gross NPA (%) 13.76 14.31
Net NPA (%) 9.05 9.28
Gross loans Outstanding 2,73,953.25 2,95,488.07 Loan O/s 7.86 Fin. Return 7.94 8.24
Loans Disbursed 1,99,819.77 2,91,250.66 Deposits 6.76 Fin. Cost 4.62 4.56
Gross NPAs 37,696.09 42,286.34 Net Profit/Loss(-) -2199.64 Fin. Margin 3.32 3.68
Net NPA 24,793.96 25,909.78 Salary 1.61 4.50
Average Working Fund 5,57,751.61 5,85,872.63 Other Opt. Exp. 0.67 0.73
Net Profit/Loss (-) 679.76 -14,272.52 Misc. Income 0.61 0.68
Gross Margin 1.65 -0.87
Risk Cost 1.53 1.57
Net Margin 0.12 -2.44
KEY INDICATORS
OTHER INFORMATION GROWTH PERCENTAGES FINANCIAL RATIOS
Financial Statements of RRBs as on 31 March 2020
ASSETS
TOTAL
EXPENDITURE INCOME
TOTAL
111
Appendix:Amalgamation of RRBs
from FY 2005-06 (196 RRBs)to
43 RRBs (1 April 2020)
112
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to
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113
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34
56
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Ap
pen
dix
: A
mal
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atio
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Ap
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34
56
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Ap
pen
dix
: A
mal
gam
atio
n o
f R
RB
s fr
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Y 2
005-
06 (
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to
43 R
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Ap
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020)
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sor
Ban
kN
ame
of A
mal
gam
ated
En
tity
Sp
onso
r B
ank
of
New
RR
BD
ate
12
34
56
7
Ap
pen
dix
: A
mal
gam
atio
n o
f R
RB
s fr
om F
Y 2
005-
06 (
196
RR
Bs)
to
43 R
RB
s (1
Ap
ril 2
020)
Bih
arK
OS
I K
SH
ET
RIY
A G
RA
MIN
BA
NK
Cen
tral
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k of
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ia
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arU
TT
AR
BIH
AR
KS
HE
TR
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GR
AM
IN B
AN
KC
entr
al B
ank
of I
ndia
Mah
aras
htra
RA
TN
AG
IRI-
SIN
DH
UD
UR
G G
RA
MIN
BA
NK
Ban
k of
Ind
ia
Mah
aras
htra
SO
LA
PU
R G
RA
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BA
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k of
Ind
ia
Mah
aras
htra
WA
ING
AN
GA
KS
HE
TR
IYA
GR
AM
IN B
AN
KB
ank
of I
ndia
Jam
mu
& K
ashm
irJA
MM
U R
UR
AL
BA
NK
J&K
Ban
k L
td.
Jam
mu
& K
ashm
irK
AM
RA
Z R
UR
AL
BA
NK
J&K
Ban
k L
td.
Mah
aras
htra
MA
HA
RA
SH
TR
A G
OD
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AR
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RA
MIN
BA
NK
Ban
k of
Mah
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Mah
aras
htra
MA
RA
TH
WA
DA
GR
AM
IN B
AN
KB
ank
of M
ahar
asht
ra
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ar P
rade
shB
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LIA
KS
HE
TR
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GR
AM
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AN
KC
entr
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ank
of I
ndia
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ar P
rade
shE
TA
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H K
SH
ET
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k of
Ind
ia
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ar P
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KN
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HE
TR
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GR
AM
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AN
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llah
abad
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k
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ahab
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ank
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GA
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tate
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ia
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atti
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ank
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tral
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k of
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ia
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RG
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RA
MIN
BA
NK
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dica
te B
ank
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RY
AN
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RA
MIN
BA
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jab
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iona
l Ban
k
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nata
kaK
RIS
HN
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RA
ME
EN
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AN
KS
tate
Ban
k of
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ia
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nata
kaP
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GA
TH
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RA
MIN
BA
NK
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ara
Ban
k
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ala
NO
RT
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AL
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AR
GR
AM
IN B
AN
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yndi
cate
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k
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ala
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AL
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AR
GR
AM
IN B
AN
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anar
a B
ank
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ar P
rade
shP
UR
VA
NC
HA
L G
RA
MIN
BA
NK
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te B
ank
of I
ndia
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ar P
rade
shB
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LIA
ET
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AH
GR
AM
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AN
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entr
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ank
of I
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ar P
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RY
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AR
T K
SH
ET
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RA
MIN
BA
NK
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k of
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ia
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ar P
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AS
GR
AM
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AN
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anar
a B
ank
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asth
anM
AR
UD
HA
RA
GR
AM
IN B
AN
KS
tate
Ban
k of
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aner
& J
aipu
r
Raj
asth
anM
EW
AR
AA
NC
HA
LIK
GR
AM
IN B
AN
KIC
ICI
Ban
k L
td.
1. D
ecca
n G
ram
eena
Ban
k w
as r
enam
ed T
elan
gana
Gra
mee
na B
ank
w.e
.f 2
0 O
ctob
er 2
014
2. T
elan
gana
Sta
te w
as f
orm
ed f
rom
1 J
une
2014
aft
er b
ifur
cati
on o
f er
stw
hile
uni
fied
And
hra
Pra
desh
Sta
te B
ank
of B
ikan
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nd J
aipu
r (S
BB
J), S
tate
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k of
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erab
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SB
H),
Sta
te B
ank
of M
ysor
e (S
BM
), S
tate
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k of
Pat
iala
(S
BP
) an
d S
tate
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k of
Tra
vanc
ore
(SB
T),
bes
ides
Bha
rati
ya M
ahil
a B
ank
(BM
B),
mer
ged
wit
h S
BI
wit
h ef
fect
fro
m 1
Apr
il 2
017
6G
RA
MIN
BA
NK
OF
AR
YA
VA
RT
Ban
k of
Ind
ia01
-Apr
-13
Am
alga
mat
ion
s D
uri
ng
FY
201
4-15
1R
AJA
ST
HA
N M
AR
UD
HA
RA
GR
AM
IN B
AN
KS
tate
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k of
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aner
&
Jaip
ur01
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ER
AL
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RA
MIN
BA
NK
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ara
Ban
k08
-Jul
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UR
VA
NC
HA
L B
AN
KS
tate
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k of
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ia01
-Apr
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2S
AR
VA
HA
RY
AN
A G
RA
MIN
BA
NK
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jab
Nat
iona
l Ban
k29
-Nov
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3P
RA
GA
TH
I K
RIS
HN
A G
RA
MIN
BA
NK
Can
ara
Ban
k23
-Aug
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1. S
tate
Ban
k of
Ind
ore
mer
ged
wit
h S
tate
Ban
k of
Ind
ia w
.e.f
26
Aug
ust 2
010
2. B
ank
of R
ajas
than
mer
ged
wit
h IC
ICI
Ban
k L
td. w
.e.f
13
Aug
ust 2
010
3. O
riss
a re
nam
ed a
s O
dish
a in
201
0-11
Am
alga
mat
ion
s D
uri
ng
FY
201
3-14
1C
HH
AT
TIS
GA
RH
RA
JYA
GR
AM
IN B
AN
KS
tate
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k of
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ia02
-Sep
-13
3B
AL
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ET
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AH
GR
AM
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AN
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entr
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ank
of I
ndia
01-J
an-1
0
4A
LL
AH
AB
AD
UP
GR
AM
IN B
AN
KA
llah
abad
Ban
k02
-Mar
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Am
alga
mat
ion
s D
uri
ng
FY
200
9-10
1J
& K
GR
AM
EE
N B
AN
KJ&
K B
ank
Ltd
.30
-Jun
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2M
AH
AR
AS
HT
RA
GR
AM
IN B
AN
KB
ank
of M
ahar
asht
ra20
-Jul
-09
3W
AIN
GA
NG
A K
RIS
HN
A G
RA
MIN
BA
NK
Ban
k of
Ind
ia15
-Dec
-08
FA
RID
KO
T-B
AT
HIN
DA
KS
HE
TR
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GR
AM
IN B
AN
K w
as r
enam
ed a
s S
UT
LE
J G
RA
MIN
BA
NK
on
22nd
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y 20
08
Sta
te B
ank
of S
aura
shtr
a m
erge
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ith
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te B
ank
of I
ndia
in A
ugus
t 200
8
2U
TT
AR
BIH
AR
GR
AM
IN B
AN
KC
entr
al B
ank
of I
ndia
01-M
ay-0
8
117
S. N
o.S
tate
/UT
Nam
e of
Reg
ion
al R
ura
l Ban
kS
pon
sor
Ban
kN
ame
of A
mal
gam
ated
En
tity
Sp
onso
r B
ank
of
New
RR
BD
ate
12
34
56
7
Ap
pen
dix
: A
mal
gam
atio
n o
f R
RB
s fr
om F
Y 2
005-
06 (
196
RR
Bs)
to
43 R
RB
s (1
Ap
ril 2
020)
Bih
arB
IHA
R G
RA
MIN
BA
NK
UC
O B
ank
Bih
arM
AD
HY
A B
IHA
R G
RA
MIN
BA
NK
Pun
jab
Nat
iona
l Ban
k
Pun
jab
MA
LW
A G
RA
MIN
BA
NK
Sta
te B
ank
of I
ndia
Pun
jab
PU
NJA
B G
RA
MIN
BA
NK
Pun
jab
Nat
iona
l Ban
k
Pun
jab
SU
TL
EJ
GR
AM
IN B
AN
KP
unja
b &
Sin
d B
ank
Ass
amA
SS
AM
GR
AM
IN V
IKA
SH
BA
NK
Uni
ted
Ban
k of
Ind
ia
Ass
amL
AN
GP
I D
EH
AN
GI
RU
RA
L B
AN
KS
tate
Ban
k of
Ind
ia
Guj
arat
BA
RO
DA
GU
JAR
AT
GR
AM
IN B
AN
KB
ank
of B
arod
a
Guj
arat
DE
NA
GU
JAR
AT
GR
AM
IN B
AN
KD
ena
Ban
k
Jhar
khan
dJH
AR
KH
AN
D G
RA
MIN
BA
NK
Ban
k of
Ind
ia
Jhar
khan
dV
AN
AN
CH
AL
GR
AM
IN B
AN
KS
tate
Ban
k of
Ind
ia
Kar
nata
kaK
AV
ER
I G
RA
ME
EN
A B
AN
KS
tate
Ban
k of
Ind
ia
Kar
nata
kaP
RA
GA
TH
I K
RIS
HN
A G
RA
MIN
BA
NK
Can
ara
Ban
k
Mad
hya
Pra
desh
CE
NT
RA
L M
AD
HY
A P
RA
DE
SH
GR
AM
IN B
AN
KC
entr
al B
ank
of I
ndia
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hya
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desh
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AD
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BU
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RA
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BA
NK
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k of
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il N
adu
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AN
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AN
KIn
dian
Ban
k
Tam
il N
adu
PA
ND
YA
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BA
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Indi
an O
vers
eas
Ban
k
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ar P
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shA
LL
AH
AB
AD
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GR
AM
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AN
KA
llah
abad
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k
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ar P
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RA
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YA
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RT
Ban
k of
Ind
ia
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ar P
rade
shP
RA
TH
AM
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AN
KS
yndi
cate
Ban
k
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ar P
rade
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VA
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. GR
AM
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AN
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unja
b N
atio
nal B
ank
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ar P
rade
shB
AR
OD
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TT
AR
PR
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ES
H G
RA
MIN
BA
NK
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k of
Bar
oda
Utt
ar P
rade
shK
AS
HI
GO
MT
I S
AM
YU
T G
RA
MIN
BA
NK
Uni
on B
ank
of I
ndia
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ar P
rade
shP
UR
VA
NC
HA
L B
AN
KS
tate
Ban
k of
Ind
ia
Am
algm
atio
ns
in P
ub
lic
Sec
tor
Ban
ks
w.e
.f 1
Ap
ril 2
020
(a)
Am
alga
mat
ion
of O
rien
tal B
ank
of C
omm
erce
and
Uni
ted
Ban
k of
Ind
ia in
to P
unja
b N
atio
nal B
ank
(b)
Am
alga
mat
ion
of S
yndi
cate
Ban
k in
to C
anar
a B
ank
(c)
Am
alga
mat
ion
of A
ndhr
a B
ank
and
Cor
pora
tion
Ban
k in
to U
nion
Ban
k of
Ind
ia
(d)
Am
alga
mat
ion
of A
llah
abad
Ban
k in
to I
ndia
n B
ank
8P
RA
TH
AM
A U
.P G
RA
MIN
BA
NK
Pun
jab
Nat
iona
l Ban
k01
-Apr
-19
Am
alga
mat
ion
s D
uri
ng
FY
202
0-21
1B
arod
a U
.P. B
ank
Ban
k of
Bar
oda
01-A
pr-2
0
6T
AM
IL N
AD
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RA
MA
BA
NK
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an B
ank
01-A
pr-1
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ank
of I
ndia
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pr-1
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TA
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GR
AM
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AN
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anar
a B
ank
01-A
pr-1
9
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AD
HY
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RA
DE
SH
GR
AM
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AN
KB
ank
of I
ndia
01-A
pr-1
9
2B
AR
OD
A G
UJA
RA
T G
RA
MIN
BA
NK
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k of
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oda
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pr-1
9
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AR
KH
AN
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AJY
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RA
MIN
BA
NK
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te B
ank
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ndia
01-A
pr-1
9
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UN
JAB
GR
AM
IN B
AN
KP
unja
b N
atio
nal B
ank
01-J
an-1
9
Am
alga
mat
ion
s D
uri
ng
FY
201
9-20
1A
SS
AM
GR
AM
IN V
IKA
SH
BA
NK
Uni
ted
Ban
k of
Ind
ia01
-Apr
-19
1D
AK
SH
IN B
IHA
R G
RA
MIN
BA
NK
Pun
jab
Nat
iona
l Ban
k01
-Jan
-19
Am
alga
mat
ion
s D
uri
ng
FY
201
8-19
118
