Financial Analysis
Uttarakhand Gramin Bank is pleased to present its Financial Analysis report as under:-| S.No. | Particulars | 31.03.20 | 31.03.21 | 31.03.22 | 31.03.23 |
|---|---|---|---|---|---|
| 1 | Net Profit (after tax) | -79.24 | 1.57 | 6.82 | 43.78 |
| 2 | Gross NPA (Amount) | 180.52 | 203.87 | 201.16 | 171.89 |
| 3 | Gross NPA (%) | 7.44% | 7.85% | 7.21% | 5.46% |
| 4 | Net NPA (Amount) | 81.67 | 93.49 | 80.69 | 45.07 |
| 5 | Net NPA (%) | 3.53% | 3.79% | 3.04% | 1.50% |
| 6 | ROA % | -1.39% | 0.03% | 0.1% | 0.60% |
| 7 | ROE % | -59.82% | 1.15% | 2.69% | 14.72% |
| 8 | NIM | 3.32 | 3.61 | 3.85 | 4.12 |
| Item | Actual (Amt in Cr) | Actual (Amt in Cr) | Actual (Amt in Cr) | Actual (Amt in Cr) |
|---|---|---|---|---|
| March' 20 | March '21 | March '22 | March '23 | |
| Deposits | 5469.76 | 6005.01 | 6496.36 | 7117.76 |
| CASA Deposits | 3075.93 | 3418.2 | 3775.2 | 4140.29 |
| CASA Deposits % | 56.23% | 56.92% | 58.11% | 58.17% |
| Advances | 2427.70 | 2596.29 | 2790.81 | 3147.40 |
| Total Business | 7897.46 | 8601.30 | 9287.17 | 10265.16 |
| CD Ratio | 44.38% | 43.24% | 42.96% | 44.22% |
| No. of branches | 286 | 286 | 286 | 288 |
| No. of staff | 1110 | 1062 | 1054 | 1091 |
- Bank has opened 287th new branch in Byasi in Jan 2023 after eight years and opened 288th branch in Rudrapur in March 2023.
- Organizational restructuring is being done. Bank has received permission for two processing cell at Dehradun & Haldwani, one SARB at Dehradun and one RO in Almora. All these offices will be made operational by 01.04.2023.
- Bank received membership of CGFMU in FY 2022-23.
- A Specialized SME Training Program has been conducted for 64 employees in collaboration with State Bank Academy, Gurgaon and SBI Learning Centre (SBILD), Dehradun in the month of Feb 2023.
- Bank has also organized a workshop with the participation of 24 Branch officials from diversified areas on topic priority sector advances, NPA management & CSP Channel Management.
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Transaction limits for Mobile Banking increased: -
IMPS: 2,00,000/- Per Day, NEFT: 5,00,000/- Per Day. - Launching of Digital Dispute Management System Portal.
- Launching of LOS for Car loan & Personal loan.
- Launching of new E-Mail solution Microsoft Office 365.
- Uttarakhand Sarthi-Loan lead generation application.
- Launching of Whatsapp Banking.
- Launching of JanSamarth portal.
- During the financial year 2022-23 our total transactions were 4.52 Cr out of which 3.65 Cr were Digital transactions which is 80.75%.
- Bank has conducted 434 DFLAP, 203 VLP and 31 Nukkad Natak in FY 2022-23.
- One more Corporate BC empanelled in FY 2022-23.
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Our Bank has been actively participating in Social Security Schemes viz., PMJJBY, PMSBY and APY. During this FY, the Bank has mobilized 118508 enrolments under PMSBY against the target of 111940 and 72723 new enrolments under PMJJBY against the target of 73340. Bank has enrolled 28702 APY against the target of 22880 enrolments allocated by the PFRDA/DFS for FY 2022-23.
| Particulars | 31.03.20 | 31.03.21 | 31.03.22 | 31.03.23 |
|---|---|---|---|---|
| Govt. Securities | 2432.43 | 2840.55 | 3223.36 | 3382.32 |
| Other securities | 26.18 | 25.99 | 25.79 | 25.60 |
| Debentures & Bonds | 42.68 | 17.85 | 18.04 | 37.29 |
| Mutual Fund | 16.68 | 15.02 | 11.13 | 11.70 |
| TDRs | 773.64 | 730.23 | 680.35 | 783.39 |
| S.No. | Particulars | As On 31.03.21 | As On 31.03.22 | As On 31.03.23 |
|---|---|---|---|---|
| 1. | Crop loan Disbursement | 207.76 | 199.01 | 250.97 |
| 2. | Term Loan Disbursement | 35.23 | 34.63 | 43.47 |
| 3. | Agricultural Disbursements | 242.99 | 233.64 | 294.44 |
| 4. | Outstanding Agriculture advances | 419.9 | 409.23 | 438.94 |
| 5. | Fresh no. of KCC issued | 5130 | 3187 | 6249 |
| 6. | Loans granted to new farmers (amount) | 113.88 | 101.42 | 175.99 |
