2011-2012rscb.org.in/downloads/ProfileProgress.pdfin 31 district being operated by the Rajasthan State Warehousing Corporation. The soil in Rajasthan is mainly sandy but alluvial and

2011-2012

E:\Word1309\RKDadhich 2007\profiel -RSCB-2009

THE RAJASTHAN STATE COOPERATIVE BANK LTD., JAIPUR

ABOUT RAJASTHAN

Rajasthan is the largest state of India as far as the area covered is

concerned. Rajasthan situated at the north-western part of India and

lies between 23°30' and 30°11' North-latitude and 69°29' and 78°17

East-longitude. Rajasthan shares its North-western and Western

boundary with the Indo-Pak International border. The huge portion of

the state of Rajasthan is deserted and houses the biggest Indian desert

'The Thar' known as the Maru Kantar. The oldest chain of Fold

Mountains 'The Aravali Range' splits the state into two geographical

zones- desert is on the one side and forest belt on the other. Only

9.36% of the total geographical region lies under forest vegetation.

Rajasthan with a total geographical area of 3.42 lakhs Sq. Km.

accounts for about 10% of the total area and about 5.6% of total

population of the country. It is situated in the north western part of the

country and bounded north by Punjab, north east by Haryana and Uttar

Pradesh, east by Madhya Pradesh, south by Gujarat, and west by

Pakistan.

ADMINISTRATIVE SET-UP

Districts 33 Divisions 7 Sub-divisions 188 Tehsils 241 Gram Panchyat 9189 Villages 42955


Rajasthan had varying topographic features. The extensive

topography includes rocky terrain, rolling sandy dunes, wetlands,

barren tracks or land filled with thorny scrubs, river-drained plains,

plateaus, ravines and wooded region. The topography of Rajasthan is

varied and characterized by hilly and sandy terrain. The Aravali range

runs from south-west to north-east through the heart of the state. The

region to the West and North West of the Aravali comprises of 12

districts and accounts for 61% of geographical area of the State which

is either desert or semi-desert, known as Great Indian 'Thar Desert'.

The Thar area is characterized by low and erratic rainfall, extreme

temperature, long periods of drought accompanied by high wind

velocity and low relative humidity resulting in arid and semi-arid

conditions. Like its varying topography, Rajasthan has varying climate.

The weather or climate of the Rajasthan can be broadly classified into

four distinct seasons i.e. the pre-monsoon, the monsoon, the post-

monsoon and the winter. Recurring drought, uneven and scanty rainfall

conditions have become regular feature of the state economy. The State

has faced 84 droughts in last 100 years. The state in general is

characterized as one of the dry states in the country with wide

temperature variation. State is divided into four agro-climatic zones.

i) Trans Gangetic Plains - 2 districts.

ii) Central Plateau & hills - 21 districts

iii) Western Plateau & hills - 1 district

iv) Western Dry Region - 9 districts


About 67% of work force is engaged in agriculture and allied

activities. Contribution of Agriculture in Rajasthan State GDP is about

21.57%. In the Rajasthan State 58.03 lakh farmers are operational land

holders. Rajasthan is at first position in terms of average size of land

holding. For agri-marketing, 129 mandis and 303 sub-yards, 89

warehouses in 31 district being operated by the Rajasthan State

Warehousing Corporation.

The soil in Rajasthan is mainly sandy but alluvial and red soils

are also found in some parts of the state. The State is also poor in terms

of forest resources. Only 7.73% of total geographical area of the state

is under forest cover.

STATE PROFILE

• Largest state in the country with total geographical area of 3.42

lakh sq. km.

• 10% of the geographical area and nearly 5.6% of population of

the country.

• 41,353 revenue villages and 39,753 inhabited villages in the

33 districts.

• 12 districts in the Western region (61% of the state area) is desert

/ semi-desert, known as The Great Indian ‘Thar’ desert.

• Divided into 4 agro-climate zones by GoI and 10 sub agro-

climatic zones by GoR.


• State population – (2001 Census) – 565 lakhs; Rural : 76%

• About 67% of the work force is engaged in agriculture and allied

activities.

• Contribution of Agriculture in State GDP (2010-11): 21.57%

• 17.5% of the population – below poverty line (BPL).

• GSDP- 2010-11: Rs. 196045 crores (increase of 9.69% over

previous year)

• Per capita income at current prices (2010-11): Rs. 39967/-

• Total number of operational land holdings: 58.03 lakhs

• First in the country in terms of average size of land holding

(3.65 ha)

• Major crops- Bajra, Wheat, Gram, Rapeseed, Mustard;

Other crops- Sugarcane, Cotton, Spices

• Main producer of spices and condiments in the country.

• Largest producer of Rapeseed, Mustard, Cluster bean (guar),

Moth bean, Bajra, Cumin, Coriander, Fenugreek, etc.

• Major horticultural crops- Orange, Kinnow, Lime, Aonla,

Chillies, Garlic, Coriander, Cumin, Fenugreek, Isabgoal, Mehndi,

etc.

• Agriculture is primarily rain fed- only 36.42% of GCA and

37.69% of NCA – under irrigation.


• About 61% of the GCA is under Kharif season, largely dependent

upon scanty and irregular rain.

• Scarcity of water resources in the state; only 1% share in

country’s water resources.

• For agri-marketing, 129 Mandis and 303 sub-yards; 89

warehouses in 31 districts being operated by The Rajasthan State

Warehousing Corporation.

• 12.46% of the country’s livestock population; largest in the

country- Animal husbandry contributing to about 13% of the net

SDP.

• Major minerals- Felsper, Limestone, Marble, Gypsum, Granite.

BANKING PROFILE IN RAJASTHAN

• Network of 119 banks with 4982 branches.

• Per Branch village outreach : 8

• Aggregate bank deposits: Rs. 141700 crore, 20.7% growth over

2009-10.

• Aggregate advances outstanding: Rs. 125167 crore, 22.9%

growth over 2009-10.

• Aggregate CD ratio: 93.37%, increase from the last years level of

92.1%.

• There is no unbanked district/block in the state.


SHORT TERM COOPERATIVE CREDIT STRUCTURE

With a view to cater the seasonal financial requirements for

agriculture & other allied activities at state level, The Rajasthan State

Cooperative Bank Ltd.(RSCB) was established & registered under

Rajasthan Cooperative Societies Act on 14th October, 1953. It is an

Apex institution of the District Central Cooperative Banks (DCCBs)

functioning in the state. The governance of village level Primary

Agriculture Cooperative Societies (PACS), District Central

Cooperative Banks & RSCB is ensured by elected board through a

democratic election system under The Rajasthan Cooperative Societies

Act.

NET WORK

In order to achieve the objectives of the Cooperatives, an

extensive net-work is available to cater the needs of rural masses at

their door-step with a three tier short-term cooperative credit delivery

system.

a) At the Apex level, Rajasthan State Cooperative Bank (RSCB) with

its 5 Regional and 11 local (Jaipur) Branches in the State.

b) At the District level 29 DCCBs covering 33 Districts of the State

having 414 Branches.

c) At the grass-root level 5673 PACS/LAMPS which covers 100% of

the geographical area of the state.


PRIMARY AGRI. COOPERATIVE CREDIT SOCIETIES (PACS)

PACS are the backbone of Short-term Cooperative Credit

Structure (STCCS). Out of 5673 PACS/LAMPS in the state, 4259

PACS working as Mini Bank were collecting deposits from their

members. Total deposits of these Mini Banks stood at Rs.990.74 crores

as on 31.3.2012.

THE RAJASTHAN STATE COOPERATIVE BANK

RSCB has successfully completed more than five decades of

services to the state of Rajasthan in general and to the rural and

farming community in particular.

Looking at the area of Rajasthan State, RSCB has converted its

regional offices into regional branches and presently Udaipur and

Jodhpur branches are catering the financial needs of DCCBs situated in


their area of operation since financial year 2007-08 Kota, Bikaner &

Jaipur Regional Branches are also providing Short-term agricultural

loans to DCCBs situated at head quarter in their respective area of

operation.

S.T.COOPERATIVE STRUCTURE

RBI NABARD:

RSCB :

DCCB :

BRANCHES :

OUR MISSION

Our corporate mission is to become a strong and competitive

Cooperative Banking Network which offers innovative financial

products along with varied range of services to serve rural masses

with rejuvenated short-term cooperative credit structure to serve

the people of Rajasthan.

PACS

GSS LAMPS


PRIORITIES

1. To issue Kisan Credit Card to all eligible farmers.

2. To inculcate thrift habits in rural areas by mobilizing rural

savings through PACS/MINI Banks and branches of DCCBs.

3. To implement Life Insurance/ Personal Accidental Insurance/

Crop Insurance Schemes / Group Health Insurance Scheme covering

borrowers & customers of Cooperative Sector.

4. To release farmers from the clutches of money lenders by

providing cheaper and timely institutional credit.

5. To increase investment credit to farmers to create/enhance capital

formation in the state.

6. To support State Government's efforts to implement the revival

package for Short-Term Cooperative Credit Structure.

7. To promote Farmer’s Club & SHGs ensuring credit linkage of

maximum number of SHGs & special efforts for women SHGs.

8. To bring about technological changes in the Short-Term

Cooperative Credit Structure.

9. To enhance corporate image of cooperative banking in general

and Apex Bank in particular.

10. To start branches of Mini banks in 3500 Bharat Nirman Rajeev

Gandhi Seva Kendra’s constructed at Gram Panchayat Level.


11. To complete the Computerization of PACS under Vaidynathan

Revival Package by NABARD so that Uniform Common Accounting

System (CAS) and Management Information System (MIS) are

successfully implementation.

RSCB'S ORGANISATIONAL SET-UP

At present Board of Directors is functional in Rajasthan State

Cooperative Bank which has been constituted after due election

process. Chairman presides over board meetings. The Chief Executive

Officer of the bank is designated as Managing Director and is an

officer drawn on deputation from Cooperative Department of State

Govt. There are One General Manager and 6 Dy. General Managers to

assist M.D. in day to day management. The bank has 6 departments at

HO level which are:

Administration & Personnel (A&P)

Operation (Opr.)

Planning & Development (P&D)

Accounts & Finance (A&F)

Inspection & Supervision (I&S)

Training (T)

Banks Regional offices viz; Jaipur, Kota, Udaipur, Jodhpur and

Bikaner are functioning with a view to keep a close watch on Central

Cooperative Banks within their area of operation. Regional Offices


have also started banking business as full fledged regional branches.

Banks' remaining 11 branches are functioning in the municipal area of

the Jaipur city.

ORGANISATIONAL SET-UP

G E N E R A L B O D Y :

BOARD OF DIRECTORS :

MANAGING DIRECTOR

:

GENERAL MANAGER

:

DY. GENERAL MANAGER

(A&P)

DY. GENERAL MANAGER

(Opr.)

DY. GENERAL MANAGER

(P&D)

DY. GENERAL MANAGER

(A&F)

DY. GENERAL MANAGER

(I&S)

DY. GENERAL MANAGER

(Trg)

5 Regional Branches

11 Branches

LICENCE:- Banking License granted to State Co-operative Bank and 28

DCCB’s by RBI till June, 2012. Hence Rajasthan State Co-operative

Bank is having status of Scheduled and Licensed bank.


HIGH LIGHTS AND IPSO-FACTO

YEAR 2011-12

• RSCB has registered 19.58 Crore net profit.

• RSCB registered an annual growth of 2.79 % in own fund as well

as 18.65 % in share capital.

• RSCB registered an annual growth of 20.38 % in loan

outstanding.

• RSCB registered an annual growth of 30.50 % in average

working fund.

• The level of recovery against demand stood at 96.85 %.

• Per employee productivity was to the tune of Rs. 24.88 Crores

and per branch business was Rs. 426.07 Crores.

• RSCB has established India's first currency chest in the

cooperative sector in its Nehru Bazaar Branch, Jaipur. Now it has

been shifted to Tonk Road branch of the Bank.

• RSCB has been awarded at national level by NAFSCOB for its

performance in the year 1994-95, 1996-97, 1997-98, 1998-1999,

2000-2001, 2001-2002 to 2002-2003, 2005-2006, 2006-2007 and

2007-2008.

• RSCB is paying dividend regularly to its Shareholders. Last

dividend paid @ 8.00%.


Total Deposit

(Rs in crore)

Total Loans Outstanding:

(Rs in crore)


OBJECTIVES

According to the Bye-laws main objectives of RSCB are as under

* To promote the economic interest of the members of the bank in

accordance with cooperative principles;

* To receive money on current/various fixed deposits or other

accounts and to raise or borrow from time to time such sums of

money as may be required for the purpose of the bank.

* To grant loans to cooperative institutions registered or deemed to be

registered under the Act and other members enrolled as per provisions

of the Bye-laws;

* To lend money or grant overdrafts to, or open cash credit for,

depositors and members of the bank's staff on the security of:-

i) Fixed deposits,

ii) Government securities, and

iii) Other securities approved by the Registrar, also grant clean

overdrafts to depositors, who are at least nominal members

according to the rules framed by the Board;

* To serve as a balancing center for all-cooperative banks and

societies in the state;

* To undertake inland exchange business by collecting or discounting

bills of exchange and hundies or to issue demand drafts. The


discounting of bills shall be for those who are at least nominal

members according to rules framed by the Board;

* To receive for safe custody securities, ornaments and valuables;

* To buy and sell for the legitimate investment of surplus funds,

securities of the Govt.of India or of the Govt. of Rajasthan or other

securities as specified in clauses (a), (b), (c) and (d) of section 20 of the

Indian Trusts Act, 1882 and to act as agent for cooperative institutions

for the purchase and sale of such securities;

* To open branches where necessary in its area of operation.

* As federal organization, it plays leadership role by providing

consultancy, guidance and technical support to its affiliates.

OTHER ACTIVITIES :

1) KISAN CREDIT CARD

In the State of Rajasthan, the crop loans were disbursed in the

cash credit form based on " Sri Ganganagar or Punjab Pattern" even

prior to the introduction of Kisan Credit Card (KCC) Scheme.

However, with the introduction of KCC scheme, loan disbursement

procedure has been renamed accordingly. At present all crop loans are

being disbursed under KCC.

The State Govt. has also taken keen interest to see that more and

more KCC are issued to the eligible farmers of the state. Short term


cooperative credit structure of the state has issued 36.70 lacs KCC upto

31st March,2012.

2) DIVERSIFICATION OF LOAN PORT-FOLIO

In last few years concerted efforts have been made to diversify

loan portfolio so as to provide an opportunity to DCCBs to cross

subsidize their losses in traditional crop loan business. Consequent to

above deliberated efforts, DCCBs have been able to develop their

investment portfolio over a period of time.

In this endeavor NABARD has introduced lots of new schemes viz;

water harvesting structure, organic farming, agri-clinic / agri-business

centers, aromatic and medicinal plantation, onion storage structure,

horticulture, self help groups, house building, swarojgar credit card etc.

for which DCCBs can avail refinance from NABARD and can further

diversify their farm and non-farm investment portfolio. Apex Bank on

its part has been pursuing DCCBs to finance for innovative activities,

the sole purpose of which is to diversify the loan portfolio of these

banks and to facilitate economic development through creation of

assets in the rural areas of the state.

3) COMMERCIAL LOAN SCHEMES


Ever reducing margin on agricultural lending made

diversification need of the time. Consequent to this concept several

loan schemes were launched from time to time keeping in view the

requirement of general public of the state. Most of the schemes have

been adopted by DCCBs, some of them are as under: -

Personal Loans.

Vehicle Loans.

Working capital finance to the existing & new industrial units.

Cash Credit limits.

Krishak Mitra Yojana

Aawas and Vyavasayik parisar loan Scheme.

Swarojgar Credit Card Scheme.

Gyan Sagar ( Education) loan scheme.

Financing against N.S.Cs & Securities.

Avika Sahkari Credit Card Scheme for Sheep rearing.

Viswas Yojna for handicapped persons.

Loan against property

4) ISO CERTIFICATION

Bank has implemented ISO 9001:2008 QMS standards in its HO & Tonk Road branch. ISO 9001:2008 certification has been received for the bank’s HO & Tonk Road branch.


5) CREATING INNOVATIVE FINANCIAL PRODUCT FOR THE POOREST OF THE POOR (SELF HELP GROUPS):

Under the micro-credit system promoted by Short Term

Cooperative Credit Structure in the State, the DCCBs/PACS have been

playing the role of facilitators to organize Self Help Groups of

specially the women clientele to address their common socio-economic

needs by pooling their resources to make available small interest

bearing loans to their members. This process helps them in inculcating

saving habits and imbibes the essentials of financial intermediation

including prioritization of needs, setting terms & conditions, accounts

keeping & building financial discipline by handling resources of a size

beyond their individual capacities. These groups are graduated to be

linked with DCCBs/PACS. Since beginning of the SHG-Pilot project

65,146 new SHGs have been formed of which 63,201 SHGs were

benefited by providing cumulative credit of Rs 336.48 lacs up to

31.03.2012.

Besides this interest subvention is being provided by the State

Govt. for Women SHGs since July 2010. Under this scheme 50%

interest subvention against the interest rate lavied by bankers is

provided to those credite linked SHGs who repay loan installments in

time, so for (upto 31.12.2011) 7881 SHGs are being benefitted by

providing Rs.1.19 crore interest subvention.


State govt. is also providing financial assistance to import

vocational training to the credit linked SHGs since 2007-08. So far

22345 women are being benefitted with the cumulative financial

assistance of Rs. 45.00 lacs (upto 2011-12).

6) WEATHER BASED CROP INSURANCE SCHEME:-

The Agriculture Deptt. Of GoR issues notifications for

implementation of Crop Insurance Schemes in the State. During Rabi

2011-12, for the first time in the state. Modified National Agriculture

Insurance Scheme (NAIS) was implemented in 3 district viz Tonk,

Jalore & Rajasamand. In remaining 30 districts WBCIS was

implemented by selected Insurance Companies. During Kharif 2012,

Modified NAIS is to be implemented in 4 districts viz. Tonk,

Jhunjhunu, Sikar & Rajasmand. In remaining 29 districts WBCIS will

be implemented.

7) PERSONAL ACCIDENTAL INSURANCE SCHEME

Personal Accidental Insurance Scheme has been introduced in the

state through M/S United India Insurance company with an objective

to provide financial security to its loanee members, Customers,

Depositors & Staff members at a nominal premium against the

accidental losses. During the period from Sept. 2011 to 15.04.2012

total insured persons were 7, 30,504 and premium amount Rs 65.17

Lacs was paid to insurance company. Total 232 claims were lodged

amounting to Rs 116.20 lacs out of which 129 claims were sanctioned


amounting to Rs 64.70 lacs. 10 claims were rejected and claims under

consideration are 93 amounting to Rs 46.50 lacs.

8) GROUP LIFE INSURANCE Life Insurance coverage is provided to all Loonies on

Compulsory banks. It is optional for depositors & Employees. The

coverage for loanees is up to Loan outstanding at the time of

becoming members of the scheme or Rs. Ten lacs whichever is less.

MOU was signed on 14 March, 2012 with L.I.C, as per approval of

GOR for implementation of the scheme.

Under the scheme so far Premium from 14.03.2012 to 15.04.2012

amounting to Rs. 21.92 lacs was forwarded to L.I.C. So far 190

claims amounting to Rs 68.23 lacs are submitted to LIC.

COMPUTERISATION Status of RSCB and DCCB computerization project

RSCB computerization:- Core Banking Solution has been implemented in all the sixteen branches of the RSCB and A&F department of RSCB.

EFT switch has been installed made operational in banks Data Center. ATMs are operational in two branches of the bank viz. Lalkothi & Nehru Bazar along with BANCS ATM network connectivity.

Bank’s is maintaining its own web server and bank’s website is developed and hosted at the RSCB Data Center at bank’s HO.

Bank is maintaining its own e-mail server, installed in the bank’s Data Center and e-mail Facility is available in the HO and branches of the bank. E-mail is used in daily communications.


Bank has taken the membership of the CIBIL (constituted in joint efforts of GoI & RBI), to ensure quality of loans. The branches of the bank are generating the credit reports of the loanees.

Statement by e-mail facility has been started for DCCBs and customers of the bank

SMS alerts facility has been started Bank has implemented its own RTGS, NEFT & SFMS and PDO-NDS services. The process of implementation of money at call is in progress.

Implementation of Bill payment services is in progress. DCCBs computerization project:-

Three branches of Jodhpur DCCB, Two branches of Jaipur DCCB and one Branch each of Kota, Ajmer, Bharatpur, Udaipur, Bhilwara, Bikaner, Jhalawar, Jhunjhunu Pali and Sri Ganganagar DCCBs have been computerized

Hardware has been supplied and installed in 273 branches of 23 DCCBs.

The implementation of the CBS computerization in all branches of DCCBs in the State of Rajasthan is in progress and shall be completed by March 2013.

GOALS FOR FUTURE ( 2012-2013)

a) Under Short Term Agriculture loan Rs. 9431.00 crores loan disbursement at grass root level against which 3400.00 crore reimbursement.

b) Disbursement of Rs. 100.00 crores loan under Investment Credit (Agriculture & Non-Agriculture).

c) Attain the level of Rs. 4000.00 crores in Deposits of the Bank.

d) Attain the level of Rs. 4500.00 crores in total loan outstanding of the bank.


e) Attain the level of Rs. 8600.00 crores in working capital of the bank.

f) For bank branches/Regional branches construct suitable office accommodation after purchasing land/purchase office accommodation.

g) To promote formation and loan disbursement of Self Help Groups.

h) To establish ATM in remaining branches of Jaipur on the basis of

requirement and utility.

i) To get the ISO 9001:2008 certificate for Nehru Bazar branch .

j) To start the process of permission for two new computerized

branches from R.B.I. in Jaipur.

k) To provide the facility of Internet banking, Tale banking and

mobile banking to all customer of the bank.

l) Complete the CBS Computerization of DCCBs.

m) Computerization of 1000 PACS.

n) To start the Insurance Business.


THE RAJASTHAN STATE CO-OPERATIVE BANK LTD; JAIPUR S.T. (AGRI.) ADVANCEMENT (Rs. in Crore)

0.00

500.00

1,000.00

1,500.00

2,000.00

2,500.00

3,000.00

3,500.00

31.3.2008 31.3.2009 31.3.2010 31.3.2011 31.3.2012

1570.841385.87 1386.52

2475.84

3319.02S.T. Advancement

THE RAJASTHAN STATE CO-OPERATIVE BANK LTD; JAIPUR TOTAL LOANS OUTSTANDING

(Rs in Crore)

0.00

500.00

1,000.00

1,500.00

2,000.00

2,500.00

3,000.00

3,500.00

4,000.00

4,500.00

31.3.2008 31.3.2009 31.3.2010 31.3.2011 31.3.2012

2257.21

1727.53 1825.64

3352.78

4035.92

Total Loan Outstanding


THE RAJASTHAN STATE CO-OPERATIVE BANK LTD; JAIPUR DEPOSITS

(Rs in Crores)

THE RAJASTHAN STATE CO-OPERATIVE BANK LTD; JAIPUR

NET PROFIT (Rs in Crores)


THE RAJASTHAN STATE CO-OPERATIVE BANK LTD; JAIPUR SHARE CAPITAL, RESERVES & PROVISIONS AND OWN FUNDS (Rs in Crores)


31.3.2008 31.3.2009 31.03.2010 31.03.2011 31.03.20121 2 3 4 5 6 7

1 No. of Branches 13 13 13 13 162 No. of DCCBs/PACS 29/5255 29/5255 29/5259 29/5389 29/56733 No. of Members 87 87 87 87 404 No. of Employees 255 235 230 227 2745 Share Capital 57.24 57.82 58.66 70.97 84.216 Reserves 354.56 371.57 377.94 400.73 400.677 Deposits 1524.96 1987.25 2576.41 2876.10 3580.018 Borrowings Outstanding 1447.52 1226.87 1677.35 2876.95 3610.599 Loans & Advances Issued 2107.90 1791.97 1742.20 3412.37 3721.3310 Advances Outstanding 2257.21 1727.53 1825.64 3352.78 4035.9211 Investments 913.97 1658.95 2643.39 2620.15 3490.5912 SLR 388.60 477.34 711.13 694.67 818.0013 Non‐SLR 525.37 1181.61 1932.26 1925.48 2672.5914 Working Capital 3409.38 3670.67 4727.88 6295.28 7784.07

15 Average Working Capital 3232.75 3276.43 4020.24 5348.23 6979.4116 Total Income 203.96 225.97 280.39 337.48 460.5117 Total Expenditure 187.25 209.57 267.22 313.01 440.9318 Net Profit 16.71 16.40 13.17 24.47 19.5819 Salary & Allowances 6.88 9.10 9.85 11.95 16.8320 Other Expenses 5.70 5.72 5.16 7.25 7.7921 Total COM 12.58 14.82 15.01 19.20 24.6222 Total Overdue 57.44 89.82 39.80 23.86 82.9023 % f d 96 12 94 85 97 07 98 44 96 85

THE RAJASTHAN STATE COOPERATIVE BANK LTD., JAIPURProgress of Apex Bank during last 5 years at a glance

( Rs. in Crore)

S.No. Items

23 %of Recovery to Demand 96.12 94.85 97.07 98.44 96.8524 Average Deposit 1354.40 1631.30 2266.95 2650.05 3034.9425 Average Advance O/s 2121.30 1931.23 1748.39 2589.08 3782.1326 Average Business 3475.70 3562.53 4015.34 5239.13 6817.0727 Per Branch Deposit 104.18 125.48 174.38 203.85 189.6828 Per Branch Advances 163.18 148.56 134.49 199.16 236.3829 Per Branch Business 267.36 274.04 308.87 403.01 426.0730 Per Employee Business 13.63 15.16 17.46 23.08 24.8831 Cost of Deposit(%) 7.55 8.37 8.26 6.91 8.3532 Cost of Borrowings(%) 3.42 3.98 4.30 4.34 4.5333 Yield on Advances(%) 5.64 6.34 6.13 5.78 5.6134 Yield on Investment(%) 9.47 9.19 8.46 7.47 8.5535 Return on Funds(%) 6.29 6.89 6.96 6.30 6.5936 Cost of Funds(%) 4.70 5.60 6.02 5.22 5.7937 Financial Margin(%) 1.59 1.29 0.94 1.08 0.8038 Misc. Income(%) 0.02 0.01 0.01 0.01 0.0139 Total 1.60 1.30 0.95 1.09 0.8140 Salary & Allowances % 0.21 0.28 0.24 0.22 0.2541 Other Expenses% 0.18 0.17 0.13 0.14 0.1142 Cost of Management(%) 0.39 0.45 0.37 0.36 0.3643 Risk Cost 0.34 0.07 0.04 0.06 0.0444 Income Tax (%) 0.36 0.26 0.18 0.22 0.1345 Net Margin (%) 0.52 0.52 0.35 0.46 0.2846 Dividend Declared(%) 6.07 5.72 4.53 8.00 ND47 Total Assets 3409.38 3670.67 4727.88 6309.74 7784.0748 Impaired Loan Assets 67.72 32.97 33.24 36.41 33.6249 Impaired Loan Assets as % to Total Assets 1.99 0.90 0.70 0.58 0.43

50 Impaired Loan Assets as % to Total Loan Outstanding 3.00 1.91 1.82 1.09 0.83

lotus/dadhich/New Folder 10 YEARS / Financial (SHEET-3)

S. No. Items 31.03.2008 31.03.2009 31-3-2010 31-3-2011 31-3-20121 2 3 4 5 6 71 No. of Branches (excluding H.O.) 398 400 407 409 4142 No. of PACS 5255 5255 5259 5389 56733 No. of Members 9867 9549 9755 9698 97744 No. of Employees 2420 2339 2287 2227 24015 Share Capital 219.49 225.7 237.86 273.71 314.136 Total Reserves & Provisions 440.51 492.93 533.68 602.36 670.237 Deposits 3610.61 4735.07 5906.14 6394.45 7064.748 Borrowings Outstanding 1997.37 1473.13 1540.7 2958.76 3829.039 Loans & Advances Issued 4390.73 3477.49 4919.35 6970.85 8680.110 Total Loans Outstanding 4297.2 3959.46 4424.2 5470.81 6210.8811 Investments 1548.90 2275.10 3049.40 3888.69 4517.6612 Net Working Capital 6533.81 7181.87 8497.66 10522.76 12192.1313 Total Income 433.13 539.07 587.56 732.43 886.6214 Salary & Allowances 68.55 81.01 94.47 116.06 133.4815 %of Salary & Allowance to Average Working Capital 1.17 1.23 1.24 1.24 1.6216 Other Expenses 22.71 24.33 26.45 35.81 41.4917 %of Other Expenses to Average Working Capital 0.39 0.37 0.35 0.38 0.5018 Total Expenditure 375.01 463.08 535.48 642.07 785.7519 Net Profit 14.21 18.58 17.97 23.01 34.7520 Total Overdues 1872.39 1538.04 866.69 1386.95 1644.2421 Average Borrowings 1852.39 1669.17 1461.52 2095.92 3447.9022 Average Investments 1327.99 1763.11 2486.73 3396.95 3690.6023 Average working Fund 5845.25 6603.63 7645.93 9354.40 10847.3024 Average Deposits 3104.72 3972.83 5156.48 6049.08 6410.1925 Average Advances 4059.78 4259.85 4496.01 5262.95 6720.4526 Average Business 7164.50 8232.68 9652.49 11312.03 13130.6527 Cost of Deposit(%) 6.06 6.55 6.49 6.35 6.78

THE RAJASTHAN STATE CO-OPERATIVE BANK LTD; JAIPURPROGRESS OF DCCBS DURING LAST 5 YEARS AT A GLANCE

(Rs.in crores)

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28 Cost of Borrowings(%) 5.16 5.83 5.46 5.05 5.1129 Yield on Advances(%) 7.62 8.58 8.20 9.01 8.3530 Yield on Investment(%) 8.26 8.95 8.26 7.10 8.3631 Return on Funds(%) 7.17 7.92 7.51 7.65 7.8232 Cost of Funds(%) 4.85 5.42 5.42 5.24 5.4933 Financial Margin(%) 2.32 2.51 2.08 2.41 2.3334 Misc. Income 14.12 15.74 13.63 17.05 16.9835 Misc. Income in % 0.24 0.24 0.18 0.16 0.1536 Total of (s.no. 33+35) 2.56 2.75 2.26 2.57 2.4837 Cost of Management(%) 1.56 1.60 1.58 1.62 1.5738 Operative Margin 0.99 1.15 0.68 0.97 0.9139 Risk Cost 0.55 0.70 0.31 0.52 0.4240 Tax Payable (in %) 0.20 0.17 0.14 0.20 0.1741 Net Margin (%) 0.24 0.28 0.24 0.25 0.3142 Per Branch Deposit 7.80 9.93 12.67 14.79 15.4843 Per Branch Advances 10.20 10.65 11.05 12.87 16.2344 Per Branch Business 18.00 20.58 23.72 27.66 31.7245 Per Employee Business 2.96 3.52 4.22 5.08 5.4746 Non‐earning Assets to Working Funds (%) 8.55 9.61 9.38 8.01 6.9947 %age of Borrowings to Advances 45.63 39.18 32.51 39.82 51.3048 Cost of Management to Total Income 21.07 19.54 20.58 20.74 19.0949 Cost of Management to Total Expenses 24.34 22.75 22.58 23.65 26.3750 Per Employee Cost of Management 3.77 4.50 5.29 6.82 7.0551 %age NPA(loans) to Working Funds 6.25 7.47 5.39 3.44 7.0552 CD ratio % 130.76 107.22 87.19 87.00 104.8453 % of Investment to Deposits 42.77 44.38 48.23 56.16 57.57

Classification of Loan Assets 4297.20 3959.46 4424.20 5470.81 6040.18a) Standard 3888.86 3422.62 3965.81 5097.35 5710.26b) Sub‐standard 260.98 406.04 316.49 212.48 159.55c) Doubtful Assets 128.22 110.03 120.84 140.64 152.01d) Loss Assets 19.14 20.77 21.06 20.34 18.36e) Total Impaired Assets 408.34 536.84 458.39 373.46 329.92f) Impaired Assets as % to total loan o/s 9.50 13.56 10.36 6.83 5.31

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Documents

2011-2012rscb.org.in/downloads/ProfileProgress.pdfin 31 district being operated by the Rajasthan State Warehousing Corporation. The soil in Rajasthan is mainly sandy but alluvial and