J&K Cooperatives

FINANCIAL PARAMETERS OF SHORT TERM COOPERATIVE CREDIT STRUCTURE IN THE STATE OF JAMMU AND KASHMIR AS ON 31-03-2007

(Rs. in lacs)

S. No.	Particulars	J&K State Cooperative Bank	Jammu Central Cooperative Bank	Baramulla Central Cooperative Bank	Anantnag Central Cooperative Bank
1	Share Capital	172.18	606.31	223.25	78.50
2	Deposits	32470.53	63151.37	17137.83	9759.63
	Current	2807.76	3260.93	1913.98	973.37
	Saving	6041.22	25764.11	8893.78	4060.23
	Fixed	23621.55	34126.33	6330.07	4726.03
3	Borrowings	126.72	31.91	807.52	Nil
4	Investments	26249.26	28865.86	5730.17	2410.88
5	Loans and Advances	7865.80	20346.64	11052.78	4057.49
	S.T	4404.86	9484.69	5347.57	2796.39
	M.T	2467.73	7345.61	5683.00	1163.80
	L.T	993.21	3516.34	22.21	134.21
6	C/D Ratio	58%	32%	64%	42%
7	Total Business	40336.33	83496.01	28190.61	13817.12
	No. of Employees	182	641	168	206
	Business/employee	221.63	130.26	167.80	67.07
	No of Branches	18	65	33	26
	Business/Branch	2240.91	1284.58	854.26	531.43
8	Total Working fund	35294.12	54464.17	19778.82	12842.92
9	Cost of Management	530.43	1412.46	412.57	358.98
10	COM %age to working fund	1.50%	2.59%	2.09%	3.05
11	Loans issued	1365.89	8636.33	2346.04	373.47
	S.T	313.13	2969.64	1780.80	194.84
	M.T	1034.76	4452.10	656.24	178.63
	L.T	18.00	1214.59	Nil	134.21
12	Yield %age on assets	7.32%	10.63%	8.55	3.69%
13	Cost %age of fund	5.32%	5.73%	5.36	3.83%
14	Financial margin	2.00%	4.90%	3.19	(-) 0.14%
15	COM %	1.50%	2.59%	2.09%	3.78%
16	Net Margin	0.50%	2.64%	1.11	(-) 3.82%
17	Operating Profit	(+) 233.81	(+) 2244.54	(+) 86.12	(-)465.30
18	Accumulated loss	Nil	(-) 6305.46	(+)766.98	4528.30
19	NPA	1881.51	2810.56	1289.08	1651.00
	NPA to loans outstanding	24%	14%	12%	41%
20	Recovery % age	38%	65%	67%	33%
(a)	Demand	2987.68	8598.04	3908.39	2267.75
(b)	Collection	1128.77	5628.29	2619.31	730.80
(c)	Balance	1858.91	2969.75	1289.08	1477.13