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WELCOMES To the PRESENTATION. Date of Registration : 10-10-1958 Date of Business Commenced on : 30-10-1958 Licensed by RBI on : 14-09-1994 Scheduled Status.

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Presentation on theme: "WELCOMES To the PRESENTATION. Date of Registration : 10-10-1958 Date of Business Commenced on : 30-10-1958 Licensed by RBI on : 14-09-1994 Scheduled Status."— Presentation transcript:

1 WELCOMES To the PRESENTATION

2 Date of Registration : Date of Business Commenced on : Licensed by RBI on : Scheduled Status : Area of Operation UT of Puducherry -1-

3 OBJECTIVES Providing service to the affiliated Co-op. Societies. Accept deposits/issue DDs./Locker facilities. Grant all types of Loan to affiliated Societies/Individuals Promote Rural Economic Development- KCC/JL etc., Branch outlets/Regional Branches to reach the unreached SHGs – Help under/unprivileged women. Policy guidelines to affiliated societies (RBI/NABARD). -2-

4 MANAGEMENT Last Election held on: The Board assumed charge on The Board period was to

5 CLASSIFICATION OF MEMBERSHIP Rs. Crore Government A class Rs.1, Societies B class Rs. 100 Rs.1, Associate Members C class Rs.5 Rs Total The Board of Management is constituted by the representatives of the B class members (President / Delegates). -4-

6 Progress of membership and Share Capital for the 5 years (Rs. lakh) MembersNos.AmountNos.AmountNos.AmountNos.AmountNos.Amount A class Government B class Societies C Class Individuals Total There is no Govt. contribution for the past 15 years Eligible for Govt. share is Rs.5 crore

7 LAST 5 YEARS Working STATUS Rs. Lakh -6- PARTICULARSMar-08Mar-09Mar-10Mar-11Mar-12 OWNED FUNDS a. Share Capital (Indls& Sty) b. Share Capital (Govt) TOTAL RESERVES TOTAL DEPOSITS a. Individuals b. Societies c. Public Sector Undertaking d. Local Bodies & Temples TOTAL BORROWINGS a. Nabard Borrowings WORKING CAPITAL CASH a. Cash & Bal with Notif. Banks b. Balance with other Banks INVESTMENTS a. Short Terms & Call Money b. Government & Other Sec LOANS AND ADVANCES No. of BRANCHES No. of EMPLOYEES PROFIT(+)/LOSS(-)(-)324.00(-)145.84(+)31.01(+) 38.87(+) 13.22

8 Financial Results for the 5 years Rs. Lakh LiabilitiesMar-08Mar-09Mar-10Mar-11Mar-12 Paid up SHARE CAPITAL RESERVES & PROVISIONS DEPOSITS BORROWINGS BRANCH ADJUSTMENT0.00 RESERVE ON OD INTEREST INTEREST PAYABLE OTHER LIABILITIES UNDIVIDED PROFIT COMPUTER SUSY.FROM GOVT1.94 Total cont.. -7a-

9 Financial Results for the 5 years Rs. Lakh cont.. ASSETSMar-08Mar-09Mar-10Mar-11Mar-12 CASH in hand & Bank Balance INVESTMENT and Call Deposits LOANS AND ADVANCES INTEREST RECEIVABLE BRANCH ADJUSTMENT LAND AND BUILDING FURNITURE Accumulated loss OTHER ASSETS Total b-

10 Financial Results for the 5 years Rs. Lakh cont.. INCOMEMar-08Mar-09Mar-10Mar-11Mar-12 Interest on Advance & discount Interest & Dividend on Invest Commission, exchange &Brokerage Other receipts By overdue interest release Bad Debt Reserve Release of Others- depn on Furnit LOSS during the year Accumulated loss Total c-

11 Financial Results for the 5 years Rs. Lakh cont.. EXPENDITUREMar-08Mar-09Mar-10Mar-11Mar-12 INT ON DEPOSIT INT ON BORROWINGS SALARIES, ALLOWANCE Auditor fee, Law charges and postage DEPRECIATION ON Provi for Asset OD INTEREST PROVISION Provi for Bad Debts Other Expense Working PROFIT for the year Other Provisions-buldg Recoupmt Total d-

12 Financial Results for the 5 years Rs. Lakh -7e- Sl.No: Particulars a. Average Yield on Assets b. Average Cost of Funds c. Financial Margin (a-b) d. Miscellaneous Income e. Gross Margin (c + d) f. Cost of Management g. Risk Cost h. Net Margin(-) 0.65(-)

13 -8- ORGANISATION chart

14 Categories of Employees -9- 1Managing Director (1) 2General Manager (2) 3Asst.General Manager (2)Cash Officer (1) 4Manager (36)Chief Cashier (13)Development Officer (1) 5Asst. Manager (37)Computer Programmer (1)Cashier Gr.I (4) 6Asst.cum. Cashier Gr.II (32)Steno Typist Grade I (2)Typist Gr.I (3) 7Asst.cum. Cashier Gr.III (74)Legal Asst.(1)Data Entry Operator (1) 8Attender (12)Driver Gr.I (1)Watch Man Gr.I (3) 9Peon (10)Messenger (27)Driver Gr.II (1)

15 BENEFITS TO EMPLOYEES 1% Addl. interest on Deposits Loans: HBA 15 lakhs, Consumer 1 lakh, Conveyance upto 4 lakhs, Marriage Rs.1 lakh, Special Loan 1.5 lakhs, Job on Compassionate ground -10-

16 Last GENERAL BODY Meeting Held on

17 AUDIT STATUS Audit Classification for A -12-

18 Pondicherry : 23 Nos. Karaikal : 3 Nos. Mahe : 1 No. Yanam : 1 No. Total : 28 Nos. Having the Branches in the region of Out of the above 28 Branches, 10 branches are in its own building -13a-

19 BrNo.BranchesBrNo.Branches 1Bussy (Main)15Beach 2Karaikal16Sorapet 3Bazaar17T.R.Pattinam 4Mahe18Vevekanatha Nagar 5Thirubuvanai19Airport 6Bahour20Sulthanpet 7Kadhirkamam21H.O.Branch 8Villianur22Muthialpet 9Thirukkanur23Sedarapet 10L.R.Palayam24Moolakulam 11Yanam25Thirunallar 12Embalam26Kalapet 13Ariankuppam27Thavalakuppam 14Ilango Nagar28Kirumampakkam Location of 28 Branches -13-

20 BRANCHESYr-2008Yr-2009Yr-2010Yr-2011Yr-2012BRANCHESYr-2008Yr-2009Yr-2010Yr-2011Yr-2012 ARIANKUPPAM VILLIANUR BAHOUR VIVEKANDHA NAGAR BAZAAR YANAM BEACH AIRPORT RD EMBALAM HO BRANCH ILANGO NAGAR SULTHANPET KADHIRKAMAM MUTHIALPET KARAIKAL SEDARAPET L.R.PALAYAM MOOLAKULAM MAHE THIRUNALLAR BUSSY KALAPET T.R.PATTINAM THAVALA KUPPAM SORAPET KIRUMAM PAKKAM THIRUBUVANAI HEAD OFFICE THIRUKKANUR TOTAL Rs. Lakh -14- Branchwise Profit and Loss

21 Rs. Crore ACHIVEMENTS on DEPOSITS TARGET FOR THE YEAR ACHIEVEMENT PERCENTAGE OF ACHIEVEMENT % -15a-

22 ACHIVEMENTS on LENDING TARGET FOR THE YEAR ACHIEVEMENT PERCENTAGE OF ACHIEVEMENT % -15b- Rs. Crore

23 ISSUES AND CHALANGES Going on financing the Sugar Mill, Spinning Mill, JPCO and other major sick units due to one pressure or other without strictly adhering the NABARD norms leads to heavy NPA, which is in turn leads to heavy loss to the Bank Lack of Government participation in the Share Capital for the past 15 years leads to reduction of CRAR -16a-

24 SUGGESTION: RCS may recommend for Government Guarantee on Loans. The Govt. may allocate Share Capital in the Budget provision (CRAR) The Govt. should initiate necessary steps to sign MoU for STCCS (GoI) The Department may recommend the Government/Quasi- Government entities to park surplus funds in this Bank. (Power Corporation, PIPDIC, Slum Clearance Board). -16-b

25 PROJECTS IN PIPELINE Installation of Core-Banking Solution (CBS) before NABARD providing platform. Installation of Cheque Truncation System (CTS) by as per RBI direction. After introducing CBS, ATMS will be opened On completion of CBS, Open a Website. -17-

26 Mail ID: Address: 204 ECR ROAD MUDALIARPET PUDUCHERRY

27 Thank You..


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