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Financial

S.No. Particulars 31/3/2009 31/3/2010 31/3/2011 31/3/2012 31/3/2013 31/3/2014
1 Number of Member 88836 88818 90097 91588 93402 106262
2 Paid up share Capital 942.88 1069.36 1194.41 1242.43 1290.64 1697.64
3 Reserves & Surplus Fund 6363.77 6437.03 8451.74 9237.45 10173.05 10895.01
4 Own Funds 7306.65 7506.39 9646.15 10479.88 11463.69 12592.65
5 Deposits 42964.90 54092.63 58603.35 66899.69 77791.34 87753.53
6 Number of Depositers 178797 188394 190231 117908 202009 209318
7 Total Loans and Advances 28482.41 35095.64 41283.89 48157.05 55151.26 54253.42
8 Number of Borrowers 48605 51271 49759 60002 66459 62226
9 Investment 19622.23 22485.89 21815.28 24151.35 26517.61 36638.29
10 Overdue % 14.65% 10.97% 8.54% 7.24% 8.91% 10.28%
11 Gross NPA 16.43% 12.46% 10.39% 8.39% 9.70% 9.52%
12 Net NPA 3.49% 3.57% 0% 0% 0% 0%
13 Audit Class A A A A A A
14 Gross Profit 736.18 1068.00 1349.00 1644.50 1626.58 1937.62
15 Profit before Tax 478.24 548.65 928.94 1177.50 1126.58 1212.65
16 Net Profit 309.42 355.56 568.26 702.09 749.18 810.41
17 CRAR 14.16% 13.62% 16.22% 15.66% 14.40% 15.28%
18 CD Ratio 66.29% 64.88% 64.34% 69.44% 70.90% 61.82%
19 Business per Employee 257.93 323.15 387.16 471.54 563.32 417.76
20 Working Capital 53276.16 64927.53 70722.16 79604.13 91424.11 102621.76
21 Dividend 15% 15% 15% 15% 15% 18%
Subject to RBI Approval
22 Branches 32 38 39 40 42 47
31/3/2013 ending

Rupees
Capital & Liabilities 31/3/2014 ending

Rupees
200000000.00 1) Share Capital
Authorised Share Capital
  200000000.00
129063950.00 B' class share 3395276 of Rs. 50 each 169763800.00  
129063950.00     169763800.00
  2) Reserve Fund and other Reserves    
211799540.90 A) Reserve Fund 235322390.70  
33000000.00 B) Building Fund 40500000.00  
0.00 C) General Reserve 7500000.00  
528343548.71 D) Reserve for Bad & Doubtful Debts 576900000.00  
22611758.08 E) Reserve for Depreciation on Investment 29597083.08  
77800000.00 F) Investments Fluctuation Reserve 49800000.00  
83510921.00 G) Revaluation Reserves 75159829.00  
340000.00 H) Other reserve    
4507103.25 1) Reserve for Charity                                         340000.00    
21500000.00 2) Contingency Fund                                         7999932.83    
22500000.00 3) Contingent Provision against StandardAssets22500000.00    
22500000.00 4) Shatabdhi Mahostav Fund                           22500000.00    
9745000.00 5) Special Reserve                                           11245000.00    
0.00 6) Reserve Fund for unforseen losses                 7500000.00 72084932.83  
1015657871.94     1086864235.61
  3) Benefit Funds    
837945.00 A) Member Welfare Fund 827945.00  
808968.00 B) Staff Welfare Fund 1808968.00  
1646913.00     2636913.00
0.00 4) Principal / Subsidiary State Partnership Fund A/c   0.00
1146368734.94 C/F   1259264948.61
31/3/2013 ending

Rupees
Property & Assets 31/3/2014 ending

Rupees
  1) Cash & Bank balance    
147607310.62 A) Cash 132366254.56  
308881965.75 B) RBI Current Account 349881965.75  
161401611.22 C) SBI & The MSC Bank & Other DCC Bank Current     Account 236381605.92  
617890887.59     718629826.23
  2) Balance with other Bank    
73660956.30 1) Current Account 128644750.61  
693278010.28 2) Fixed Deposit 1133789788.28  
766938966.58     1262434538.89
0.00 3) Money at Call and Short Deposits   0.00
  4) Investment    
1958234320.00 A) In Central & State Govt. Securities 2529790439.00  
       In face value                                            2565184000.00    
       Market Value                                          2357029437.20    
       
0.00 B) Other Trustee Securities 0.00  
500.00 C) Other Investment 500.00  
248375.00 D) Share in Co.op. Societies 248375.00  
1958483195.00     2530039314.00
0.00 5) Investment out of the Principal /Subsidiary 0.00
State Fund
  0.00
  6) Advances    
4659758245.46 1) Short Term & Cash Credit Loan Account    
  A) Secured                                                        4553667287.62    
  B) Unsecured                                                     7501608.66 4561168896.28  
3343313049.17 C/F   4511103679.12
31/3/2013 ending

Rupees
Capital & Liabiliti 31/3/2014 ending

Rupees
1146368734.94 B/F   1259264948.61
  5) Deposit & Other Accounts    
6273133335.31 A) Term Deposit    
  1) Individuals                                                6288529438.26    
  2) DCC Banks                                                               0.00    
  3) Other Co-op Soc.                                      846884420.00 7135413858.26  
1232743313.83 B) Savings Deposits    
  1) Individuals                                                  351383535.41    
  2) DCC Banks                                                               0.00    
  3) Other Co-op Soc.                                        13297994.98 1364681530.39  
273257109.85 C) Current Account    
  1) Individuals                                                  234144078.47    
  2) DCC Banks                                                               0.00    
  3) Other Co-op Soc                                         41113937.51 275258015.98  
7779133758.99     8775353404.63
50000000.00 6) Borrowing   40000000.00
27467823.72 7) Outstation Bills Collection(As per Contra)   16910277.36
0.00 8) Branch Adjustment   9020215.36
  9) Interest Provision    
0.00 A) Overdue Interest Provision 0.00  
625474262.48 B) Provision for Overdue Interest on NPA (As per contra) 748701487.99  
625474262.48     748701487.99
91137468.83 10) Interest Payable   79334688.51
  11) Other Liabilities    
11017829.00 A) Unpaid Dividend 13437947.90  
2440296.92 B) Suspence 1050425.71  
70905922.51 C) Sundry Payable 119056595.14  
84364048.43     133544968.75
  12) Profit & Loss A/c    
70209099.09        Last year profit 74917829.58  
70209099.09        Less appropreation of profit Current year 74917829.58  
0.00     0.00
74917829.58 Current Year Profit   81041283.74
9878863926.97 Total   11143171274.95
107625877.00     105896370.00
CONTIGENT LIABILITIES
(Amount of outstandingss liabilities for guarantees issued for Rs. 10,58,96,370.00 in which secured outstanding Rs. 6,98,52,325.00(against fixed deposit Rs. 65934248.00 & against mortgage Rs. 6754550.00) & unsecured amount Rs. 36044045.00
31/3/2013 ending

Rupees
Property & Assets 31/3/2014 ending

Rupees
3343313049.17 B/F   4511103679.12
257216760.05 2) Medium Term Loan    
  A) Secured                                                     223320271.98    
  B) Unsecured                                                   65117656.96 288437928.94  
598150554.19 3) Long Term Loan    
  A) Secured                                                     570380466.58    
  B) Unsecured                                                     5354812.72 575735279.30  
5515125559.70     5425342104.52
  7) Interest Receivable    
73184478.00 A) On Govt. Securities FDs etc.   103919098.00
108079533.80 B) Interest on P.A.   121285150.76
625474262.48 C) Interest on N.P.A. / (As per Contra)   748701487.99
27467823.72 8) Outstation Bills receivable (As per contra   16910277.36
9108505.21 9) Branch Adjustment   0.00
89570943.00 10) Premises   80613849.00
29469956.54 11) Dead Stock, Furniture, Fixture, Fitting   38706772.30
13862510.00 12) Computer & Ele. equipments   25771883.55
2692761.00 13) Motor cars etc.   2288847.00
0.00 14) Deffered Alteration / Renuation Expenditure   2520702.00
  15) Other Assets    
868500.00 A) Prepaid Expenses 968416.00  
1099856.50 B) Deposit with Govt. & Other 1194375.50  
184353.00 C) Advance Income Tax Paid 184353.00  
39361834.85 D) Sundary 636s60278.85  
41514544.35     66007423.35
0.00 15) Non Banking Assets Purchase Against Dues   0.00
9878863926.97 Total   11143171274.95
31/3/2013 ending

Rupees
Expenditure 31/3/2014 ending

Rupees
658351672.64 1) Interest on deposit Borrowing and Rebate   739842892.48
647742.71 2) Commission Paid to Bankers   467590.72
113168123.44 3) Staff Cost   129123115.56
819712.62 4) Director Expense   439801.96
18066866.00 5) Rent, Repairs Rates, Taxes & Inurances / 20054451.50
Light Charges
  20054451.50
208428.00 6) Legal & Court Expenses   244459.00
1329586.15 7) Postage & Telephone   1975292.48
1592793.00 8) Audit Fee   1934000.00
2019288.35 9) Stationary, Printing & Advertisement   3374282.53
9776901.38 10) Depreciation   14574316.75
92674.00 11) Loss on Sale of Non Banking Assets   0.00
  12) Other Expenses    
27098.00 Books & Periodicals 53309.00  
183000.00 Donation 238136.00  
1186463.97 Expenses on Motor Vehicle 1386723.34  
111356.00 Inspection charges on Providend Fund 131549.00  
2926.00 Administrative Charges Deposit Linked Insurance 3652.00  
2500.00 Professional Tax 2500.00  
69675.00 Cash remittance charges paid to other banks 79280.00  
30000.00 Education Fund 30000.00  
4668431.18 Miscellaneous Expenses 5678106.09  
510961.00 Labour Charges & Honorarium 609579.00  
562726.15 Machinery Furnitures Repairs 948986.42  
353117.00 Service Tax 323031.00  
0.00 Vat Tax 184515.00  
1786617.00 Staff Uniform 23027.00  
37740182.00 Income Tax 40625029.00  
523260.30 Professional Charges 1541512.00  
204371.00 Registration Fee of SEBI 199877.00  
97532.83 D-Mat Charges Paid to CDSL 88367.93  
3585860.75 Commission to Janta Bachat Agent 3674900.75  
222954.95 Employees Deposit Link Insurance Premium 242062.00  
1044082.90 Computer Hardware Maintainance Charges 1041372.44  
634915.60 Software Maintainace Charges 301876.30  
4285406.00 Expenses Paid on Core Baking System 6739196.00  
549023.00 Premium Amortized on Govet. Securities 689640.00  
105600.00 Staff Training Expenses 98489.00  
58488060.63     64934716.27
6632112.00 13) Loss on Maturity on AFS Security   0.00
48850.00 14) Memorandum Control A/C   102651.00
6721431.00 15) Deposit Insurance Premium   9028769.00
46500000.00 16) Provision for Bad & Doubtful debts   70000000.00
2000000.00 17) Special Reserve for Long Term Finance   1500000.00
1500000.00 18) Provision on Standard sAssets   1000000.00
74917829.58 Net Profit   81041283.74
1002881071.50 Total   1139637622.99
31/3/2013 ending

Rupees
Income 31/3/2014 ending

Rupees
978687598.28 1) Interest Received on Loan Investment Dividend   1096743176.70
14322079.85 2) Commission   12101746.52
2126450.00 3) Profit on Sale of Gove Securities   2358000.00
0.00 4) Profit on Sale of Assets   518758.06
  5) Other Incomess    
2535631.46 a) Rent Received on SDV 3116002.00  
2757187.00 b) Scrutiny Charges 2537424.00  
2452124.91 c) Miscellaneous Income 800467.00  
0.00 d) Excess Provision for BDDR written back 21462048.71  
7744943.37   27915941.71  
1002881071.50 Total   1139637622.99
S.No Particulars Balance of the
beginning year
Loan Sanctioned
in Current
Year
Interest debited
in current
year
Recovery in
current year

Balance at the
end of year
Balance of
overdue

Remarks
1 Loans to Directors Nil Nil Nil Nil Nil Nil  
2 Loans to Relative
of Directors
Nil Nil Nil Nil Nil Nil  
3 Total Nil Nil Nil Nil Nil Nil  
Progress Report
S.No Particulars 31.3.2010 31.3.2011 31.3.2012 31.3.2013 31.3.2014
1 Share Hoders/Regular 88,818 90,097 91,588 93,402 106262
  Nominal 17,763 17,748 18,317 18,580 21230
2 Share Capital /Authorised 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00
  Recovered 1,069.36 1,194.41 1,242.43 1,290.64 1697.64
3 Statutory & Other Reserve 6,437.03 8,451.74 9,237.45 10,173.05 10895.01
4 Deposits / Savings 10,430.47 12,190.67 12,085.93 12,327.43 13646.81
  Current 2,699.01 2,557.91 2,660.16 2,732.57 2752.58
  Term 40,963.15 43,854.77 52,153.60 62,731.33 71354.14
  Total 54,092.63 58,603.35 66,899.69 77,791.33 87753.53
5 Loans / Secured 34,198.02 40,487.59 47,425.97 54,424.65 54473.68
  Unsecured 897.62 796.30 731.08 726.61 779.74
  Total 35,095.64 41,283.89 48,157.05 55,151.26 54253.42
6 % to total loan          
  Priority Sector 62.04 62.11 62.01 62.07 61.05
  WeakerSector 15.51 18.63 18.84 18.90 17.05
7 Loan from          
  ADCC Bank 0.00 0.00 0.00 0.00 0.00
  MSC Bank 0.00 0.00 0.00 0.00 0.00
  Other 0.00 0.00 0.00 500.00 400.00
8 Investment 6,606.00 4,569.00 4,716.01 4,584.87 5920.71
  MSC Bank 280.00 750.00 750.00 750.00 530.00
  Govt. & Other Securities 13,673.96 15,310.29 16,595.81 19,584.83 25300.39
  Other 1,925.93 1,185.99 2,089.53 1,597.91 4887.19
9 % of Overdue 10.97 8.54 7.24 8.91 10.28
10 Audit Class A A A A A
11 Profit 355.56 568.26 702.09 749.18 810.41
12 Total staff /Officer 90 91 88 81 104
  Clerk 119 102 92 91 139
  Other D grade 67 65 64 64 97
13 Working Capital 64,927.53 70,722.16 79,562.76 91,424.11 102621.76
14 Dividend 15% 15% 15% 15% 18%
(Subject to RBI
Approval)
15 Income          
  a) % of Income with Interest Received 95.93 96.11 97.39 97.59 96.23
  b) % of Income with Working Capital 9.50 10.05 10.50 10.97 11.10
16 Expenses          
  a) % of Interest paid with Income 58.39 54.11 58.45 63.85 62.92
  b) %of Staff expenses with Income 13.35 15.37 11.76 11.21 11.33
17 % of Total expenses with Total Income 94.23 92.01 91.59 92.53 92.89
18 %of Profit with working capital 0.55 0.80 0.88 0.82 0.79

 

 

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