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8/8/2019 EDB Profile 2010 Kulgam
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yHEAD OFFICE - SRINAGAR
KASHMIR, JAMMU & KASHMIR
yESTABLISHED - 16.07.1979
y NO. OF BRANCHES - 108
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Share HoldersyGovt of India 50%
yGovt of J & K 15%
yState Bank of India 35%
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Area of OperationyDistrict SrinagaryDistrict Budgam
yDistrict GanderbalyDistrict Anantnag
yDistrict Pulwama
yDistrict ShopianyDistrict Kulgam
yDistrict Jammu
yDistrict Udhampur
y
District DodayDistrict Samba
yDistrict Reasi
yDistrict Ramban
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Balance Sheet Sizey2008-09 505.25 Cr
y2009-10 583.32 Cr
yIncrease 15.47%
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Deposit Growth YoYy2006-07 19.36 %
y2007-08 14.92%
y
2008-09 13.86%
y2009-10 19.61%
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us ness er ormance
Loans & Advances(Amt. in lacs)
808610850 11963
1687519395
0
5000
10000
15000
20000
31.03.2007 31.03.2008 31.03.2009 31.03.2010 30.09.2010
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Advances Growth YoYy2006-07 39.10 %
y2007-08 34.18%
y
2008-09 10.25%
y2009-10 41.06%
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C.D. RATIOy31.03.2007
y31.03.2008
y31.03.2009
y31.03.2010
y30.09.2010
y 29.95
y 34.18
y 33.86
y 40.00
y 45.19
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SECTORWISE POSITION OF
ADVANCES (Amt.In lacs) 31.03.10
PRIORITY SECTOR
ADVANCE
Non- PRIORITY SECTORADVANCE
yAmt. % to Grosscredit
y11932 70.71
y4943 29.29
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SECTORWISE POSITION OF
ADVANCES ( Amt. In lacs) 30.09.10
PRIORITY SECTORADVANCE
Non- PRIORITYSECTORADVANCE
yAmt. % to Grosscredit
y14222 73.33
y5173 26.67
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ADVANCESAchievements 2009-10y
Disbursement Rs 11233 lacsy Priority Sector Rs 8857 lacs
y Others Rs 2376 lacs
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ADVANCES Achievements
30.09.2010 (during CF year)yDisbursement Rs 3260 lacs
yPriority Sector Rs 2524 lacs
y Others Rs 736 lacs
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District KulgamyNo of Branches 07
1.Areah 2.Chowgam
3. Devsar 4.K.B.Pora
5. Kaddar 6.Kelam7. Yaripora
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Deposits
y22.19 Crores
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Advances
y12.62 Crores
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CD Ratio
y
62.74 %18
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Customized Productsy EDB Credit Card
y Mortgage Loan for Traders
y Scootee Loan for workingwomen &students
y Mini Transport for unemployed Youth
y Computer Loan for Students
yGeneral Credit Card for Rural andSemi Urban areas
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Micro Financey286 SHGs Established.
y90% SHGs of Women folk.yJoint Liability Groups established
Ist Time in J&K by our Bank.
y78 Farmers Club Launched.
y2Women Farmers Club Launched.
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Financial Inclusiony District Anantnag allotted for 100 % FI.
y61villages covered for 100% FI
y5 new branches to be opened at identifiedvillages for providing banking services .
y
70 thousand No Frill Accounts opened
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Branch Expansion
y11new Branches to be Opened
during the current FY.
y
16 closed/merged branches tobe reopened. Process alreadyinitiated.
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Recruitment & Promotion
To recruit
specialized officers,Clerical and sub staff
during currentfinancial year.
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Computerization Status Roadmap
All sections at Head Office andArea Offices have been providedwith stand alone computers.
Forty-one branches computerized.
CBS process initiated during thecurrent fiscal with the help ofsponsor bank.
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THANK YOUSIR
A K RazdanCHAIRMAN
E D BANK
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