1. 1 Reserve Bank of India Urban Banks Department Mumbai Welcome To Directors of Urban Co-operative Banks July 20, 2010 (Tuesday)

2. 2 UCBs As On 31.3.2009 Scheduled UCBs (3% of Total)53 Non-Scheduled UCBs (97% of Total) 1668 Total UCBs1721 Multi-State Scheduled UCBs25

3. 3 UCBs As On 31.3.2009 Single State Scheduled UCBs28 Single State Non-Scheduled UCBs1653 Tier-I UCBs (84 % of Total UCBs)1444 Tier-II UCBs (16 % of Total UCBs)277 Unit UCBs (48.2 % of Total UCBs)830

4. 4 Scheduled UCBs As on 31.3.2009 1Maharashtra38 2Gujarat8 3Andhra Pradesh3 4Goa2 5Karnataka1 6Uttar Pradesh1 Total53

5. 5 UCBs As On 31.3.2009 1Maharashtra577 2Karnataka273 3Gujarat260 4Tamilnadu129 5Andhra Pradesh114 79 % UCBs in 5 States1353 21 % UCBs in 23 States368 States with ONE UCB each: 4 Mizoram, Puducherry, Sikkim & Tripura States WITHOUT UCB : 7 A & N, Arunachal, Chandigarh, Dadra NH, Daman Diu, Lakshdweep & Nagaland

6. 6 CRAR (%) - TOP 10 UCBs – As on 31.3.2009 1 Ahmedabad Mercantile Co-op Bank Ltd. 47.6 2 Kalupur Commercial Co-op. Bank Ltd. 43.2 3 Nasik Merchants’ Co-op. Bank Ltd. 36.9 4 AP Mahesh Co-op. Urban Bank Ltd. 31.7 5 SB Pardi People Co-op. Bank Ltd. 28.5 6 New India Co-operative Bank Ltd. 28.3 7 Nutan Nagarik Sahakari Bank Ltd. 27.6 8 Abhyudaya Co-operative Bank Ltd. 21.8 9 Surat Peoples Co-operative Bank Ltd. 21.1 10 Bassein Catholic Co-op. Bank Ltd. 20.6

7. 7 BUSINESS PER EMPLOYEE (Rs. in Lakh) 1 Saraswat Co-operative Bank Ltd. 730 2 Bassein Catholic Co-op. Bank Ltd. 661 3 Shamrao Vithal Co-op. Bank Ltd. 623 4 Thane Janata Sahakari Bank Ltd. 636 5 Zoroastrian Co-operative Bank Ltd. 606 6 Cosmos Co-operative Bank Ltd. 576 7 Mehsana Urban Co-op. Bank Ltd. 540 8 Bharat Co-op. Bank (Mumbai) Ltd. 539 9 NKGSB Co-operative Bank Ltd. 496 10 Dombivli Nagari Sahakari Bank Ltd. 475

8. 8 AVERAGE COST OF DEPOSITS (% Per Annum) 1 Parsik Janata Sahakari Bank Ltd. 4.4 2 Kalupur Commercial Co-op. Bank Ltd. 4.4 3 Abhyudaya Co-operative Bank Ltd. 4.4 4 Citizen Credit Co-op. Bank Ltd. 4.6 5 SB Pardi Peoples Co-op. Bank Ltd. 4.8 6 Ahmedabad Mercantile Co-op. Bk Ltd 5.2 7 Dombivli Nagari Sahakari Bank Ltd. 5.3 8 Nasik Merchants Co-op. Bank Ltd. 5.5 9 Kapol Co-operative Bank Ltd. 5.5 10 Kalyan Janata Sahakari Bank Ltd. 5.6

9. 9 PROFIT PER EMPLOYEE (Rupees in Lakh) 1 Thane Janata Sahakari Bank Ltd. 7.9 2 Zoroastrian Co-operative Bank Ltd. 7.9 3 Saraswat Co-operative Bank Ltd. 7.4 4 Ahmedabad Mercantile Co-op. Bk Ltd. 7.0 5 Abhyudaya Co-operative Bank Ltd. 6.1 6 Citizen Credit Co-operative Bank Ltd. 5.2 7 Cosmos Co-operative Bank Ltd. 4.9 8 NKGSB Co-operative Bank Ltd. 4.6 9 Punjab & Maharashtra Co-op. Bank Ltd. 4.6 10 Bharat Co-op. Bank (Mumbai) Ltd. 4.4

10. 10 OPERATING PROFIT (As % to Working Funds) 1 Abhyudaya Co-operative Bank Ltd. 3.1 2 Ahmedabad Mercantile Co-op. Bank Ltd. 2.9 3 Bassein Catholic Co-operative Bank Ltd. 2.8 4 Parsik Janata Sahakari Bank Ltd. 2.4 5 Citizen Credit Co-operative Bank Ltd. 2.2 6 AP Mahesh Co-op. Urban Bank Ltd. 2.0 7 Bharat Co-operative Bank (Mumbai) Ltd. 1.8 8 NKGSB Co-operative Bank Ltd. 1.8 9 Zoroastrian Co-operative Bank Ltd. 1.8 10 Thane Janata Sahakari Bank Ltd. 1.9

11. 11 NET PROFIT (AS % TO TOTAL ASSETS) 1 Bassein Catholic Co-op. Bank Ltd. 2.8 2 Ahmedabad Mercantile Co-op. Bank Ltd. 2.7 3 Abhyudaya Co-operative Bk Ltd., Mumbai 2.4 4 Kalupur Commercial Co-op. Bank Ltd. 2.2 5 Nasik Merchants Co-operative Bank Ltd. 2.0 6 Zoroastrian Co-operative Bank Ltd. 1.7 7 Citizen Credit Co-operative Bank Ltd. 1.5 8 Parsik Janata Sahakari Bank Ltd. 1.5 9 Punjab & Maharashtra Co-op. Bank Ltd. 1.4 10 AP Mahesh Co-op. Urban Bank Ltd. 1.3

12. 12 Return on Assets (Per Cent) 1Bassein Catholic CBL, Vasai2.8 2Ahmedabad Mercantile CB Ltd.2.7 3Abhyudaya Co-operative Bk Ltd.2.4 4Kalupur Commercial CB Ltd.2.2 5Nasik Merchants Co-op. Bk Ltd.2.0 6Zoroastrian CBL, Mumbai1.7 7Citizen Credit Co-op. Bank Ltd.1.5 8Parsik Janata SBL, Thane1.5 9Punjab & Maharashtra CBL1.4 10 Thane Janata Sahakari Bank Ltd. 1.2

13. 13 INTEREST INCOME (AS % TO TOTAL ASSETS) 1 AP Mahesh Co-op. Urban Bank Ltd. 9.9 2 Bharat Co-operative Bank (Mumbai) Ltd. 9.1 3 Solapur Janata Sahakari Bank Ltd. 9.0 4 NKGSB Co-operative Bank Ltd., Mumbai 8.9 5 Shamrao Vithal Co-operative Bank Ltd. 8.8 6 Bharati Sahakari Bank Ltd., Pune 8.7 7 Mehsana Urban Co-operative Bank Ltd. 8.7 8 New India Co-op. Bank Ltd., Mumbai 8.7 9 Punjab & Maharashtra Co-op. Bank Ltd. 8.6 10 Thane Janata Sahakari Bank Ltd. 8.6

14. 14 NET INTEREST INCOME (As % to Working Funds) 1 Nasik Merchants Co-operative Bank Ltd. 4.8 2 Parsik Janata Sahakari Bank Ltd., Thane 4.8 3 Ahmedabad Mercantile Co-op. Bank Ltd. 4.7 4 AP Mahesh Co-op. Urban Bank Ltd. 4.6 5 S.B. Pardi Peoples Co-op. Bank Ltd. 4.5 6 Bharati Sahakari Bank Ltd., Pune 4.2 7 Bharat Co-operative Bank (Mumbai) Ltd. 3.8 8 Kalyan Janata Sahakari Bank Ltd. 3.8 9 Surat Peoples Co-operative Bank Ltd. 3.8 10 Thane Janata Sahakari Bank Ltd. 3.3

15. 15 NON-INTEREST INCOME (As % to Working Funds) 1 Nutan Nagarik Sahakari Bank Ltd. 1.5 2 Janata Sahakari Bank Ltd., Pune 1.4 3 Akola Urban Co-operative Bank Ltd. 1.4 4 Abhyudaya Co-operative Bank Ltd. 1.2 5 Nagpur Nagari Sahakari Bank Ltd. 1.1 6 Dombivli Nagari Sahakari Bank Ltd. 1.0 7 Saraswat Co-operative Bank Ltd. 1.0 8 Shamrao Vithal Co-operative Bank Ltd. 1.0 9 Greater Bombay Co-operative Bank Ltd. 0.9 10 Kapol Co-operative Bank Ltd. 0.9

16. 16 INTEREST PAID (AS % TO TOTAL ASSETS) 1 Kalupur Commercial Co-op. Bank Ltd. 2.9 2 Ahmedabad Mercantile Co-op. Bank Ltd. 3.0 3 SB Pardi Peoples Co-op. Bank Ltd. 3.0 4 Pravara Sahakari Bank Ltd., Ahmednagar 3.1 5 Parsik Janata Sahakari Bank Ltd., Thane 3.2 6 Abhyudaya Co-operative Bank Ltd. 3.3 7 Nasik Merchants Co-operative Bank Ltd. 3.4 8 Citizen Credit Co-operative Bank Ltd. 3.7 9 Rajkot Nagrik Sahakari Bank Ltd. 3.7 10 Dombivli Nagari Sahakari Bank Ltd. 3.9

17. 17 OPERATING EXPENSES (AS % TO TOTAL ASSETS) 1 Bharat Co-op. Bank (Mumbai) Ltd. 3.6 2 Kalupur Commercial Co-op. Bank Ltd. 3.7 3 Pravara Sahakari Bank Ltd., Ahmednagar 4.0 4 Rajkot Nagarik Sahakari Bank Ltd. 4.7 5 Abhyudaya Co-operative Bank Ltd. 4.9 6 Citizen Credit Co-operative Bank Ltd. 4.9 7 Sardar B Pardi Peoples Co-op. Bank Ltd. 5.1 8 Ahmedabad Mercantile Co-op. Bank Ltd. 5.2 9 Parsik Janata Sahakari Bank Ltd., Thane 5.2 10 Thane Janata Sahakari Bank Ltd. 5.3

18. 18 SPREAD (AS % TO TOTAL ASSETS) 1 Parsik Janata Sahakari Bank Ltd. 4.7 2 AP Mahesh Co-op. Urban Bank Ltd. 4.6 3 Ahmedabad Mercantile Co-op. Bank Ltd. 4.5 4 Nasik Merchants Co-operative Bank Ltd. 4.4 5 Sardar B Pardi Peoples Co-op. Bank Ltd. 4.0 6 Bharati Sahakari Bank Ltd., Pune 3.9 7 Surat Peoples Co-operative Bank Ltd. 3.8 8 Bharat Co-operative Bank (Mumbai) Ltd. 3.7 9 Kalyan Janata Sahakari Bank Ltd. 3.7 10 Thane Janata Sahakari Bank Ltd. 3.2

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