Sadguru Nagrik Sahkari Bank

Maryadit, Bhopal
Submitted to: submitted by:
INTRODUCTION
 CREDIT DEPOSIT INVESTMENT CASH

YEAR Credit Deposite Investment Cash

2004-05 107047030.8 260192843.9 168131309 9207031.63

         

2005-06 114171513.1 280006749.8 180316654 10580541.76

         

2006-07 145233458 280616958.5 160073183 15778086.51

         

2007-08 174898003.1 306782941 171229485 12209076.87

         

2008-09 189867922.1 365267467.6 218074332 3368942.14

         

2009-10 198584852.3 442930316.7 279737784 16942654.65

 Chart Title
1000000000
900000000
800000000
700000000 Cash
600000000 Investment
In Rupees

500000000 Deposite
Credit
400000000
300000000
200000000
100000000
0
2004-05 2005-06 2006-07 2007-08 2008-09 2009-10
Capital adequacy
and Risk Ratio
 CRAR (In %)
1 a)CRAR
20
18
16.67 17.26
16 16.3 15.93 15.44
14 13.43
12
1 a)CRAR
10
8
6
4
2
0
2004-05 2005-06 2006-07 2007-08 2008-09 2009-10
 EQUITY MULTIPLIER

YEAR EQUITY MULTIPLIER=TOTAL ASSET/EQUITY

2004-05 5299.269
   
2005-06 5680.39
   
2006-07 5239.135
   
2007-08 4718.53
   
2008-09 4936.192
   
2009-10 5161.779
 EQUITY MULTIPLIER
b)Equity Multiplier
6000
5680.39
5000 5299.27 5239.14 5161.78
4936.19
4718.53
4000
b)Equity Multiplier
3000

2000

1000

0
2004-05 2005-06 2006-07 2007-08 2008-09 2009-10
 CASA RATIO
YEAR casa ratio
2004-05 36.59
   
2005-06 42.02
   
2006-07 44.24
   
2007-08 470.86
   
2008-09 37.66
   
2009-10 41.12
 CASA Ratio

casa ratio
500.00
470.86
400.00
300.00
200.00 casa ratio

100.00
36.59 42.02 44.24 37.66 41.12
0.00
-05 -06 -07 -08 -09 -10
004 005 006 007 008 009
2 2 2 2 2 2
ASSET QUALITY
 NET NPA (In rupees)
YEAR NET NPA
2004-05 54.29
   
2005-06 57
   
2006-07 58
   
2007-08 59.63
   
2008-09 55.39
   
2009-10 49.5
 NET NPA

a)Net NPA
70
60 58 59.63
54.29 57 55.39
50 49.5
40 a)Net NPA
30
20
10
0
1 2 3 4 5 6
analysis
NET NPA TO TOTAL ASSET

YEAR NET NPA/TOTAL ASSET

2004-05 16.26489515
 
2005-06 15.97567653
 
2006-07 15.71084689
 
2007-08 14.68100662
 
2008-09 11.47625941
 
2009-10 8.533484531
 NET NPA TO TOTAL ASSET
c)Net NPA to Total Assets
18
16 16.26 15.97 15.71
14.68
14
12 11.47
c)Net NPA to Total
10 Assets
8 8.53

6
4
2
0
1 2 3 4 5 6
analysis
 Provision To Total Asset(in %)

YEAR Provision to total asset

2004-05 5.64
 
2005-06 5.88
 
2006-07 7.01
 
2007-08 7.81
 
2008-09 7.73
 
2009-10 7.70
 PROVISION TO TOTAL ASSET
Chart Title
9
8 7.81 7.73 7.7
7 7.01
6 5.88
5.64
5 provision to total asset
4
3
2
1
0
2004-05 2005-06 2006-07 2007-08 2008-09 2009-10
analysis
LIQUIDITY RATIO
 CASH TO TOTAL DEPOSIT(in %)
YEAR CASH TO TOTAL DEPOSITE
2004-05 3.54

2005-06 3.78

2006-07 5.62

2007-08 3.98

2008-09 0.92

2009-10 3.83
 CASH TO TOTAL DEPOSIT

a)Cash to total deposit

6
5.62
5

4 3.98 3.83
3.79
3.59
a)Cash to total deposit
3

1 1

0
1 2 3 4 5 6
analysis
 CREDIT/TOTAL ASSET(%)

YEAR CREDIT/TOTAL ASSET

2004-05 32.07052
   
2005-06 31.99942
   
2006-07 39.34036
   
2007-08 43.06018
   
2008-09 39.33875
   
2009-10 34.23476
 CREDIT TO ASSET
b)Credit to asset
50
45
43.1
40 39.34 39.34
35 34.23
32.1 31.9
30
b)Credit to asset
25
20
15
10
5
0
1 2 3 4 5 6
analysis
 CREDIT to DEPOSIT Ratio (%)

YEAR CREDIT/DEPOSIT
2004-05 41.14142
   
2005-06 40.77456
   
2006-07 51.75505
   
2007-08 57.01034
   
2008-09 51.98052
   
2009-10 44.83433
 CREDIT DEPOSIT RATIO

c)Credit deposit ratio

60
57.01
50 51.8 51.9
44.83
40 41.14 40.8
c)Credit deposit
30 ratio

20

10

0
1 2 3 4 5 6
analysis
PROFITABILITY RATIO
 ROE(in %)

YEAR ROE=NET PROFIT/EQUITY

2004-05 13.89464
   
2005-06 58.23306
   
2006-07 21.26375
   
2007-08 42.14168
   
2008-09 51.66682
   
2009-10 49.09558
 ROE
ROE=NET PROFIT/EQUITY
70.00

60.00 58.23
50.00 51.67
49.10
40.00 42.14
ROE=NET PROFIT/EQUITY

30.00

20.00 21.26
13.89
10.00

0.00
2004-05 2005-06 2006-07 2007-08 2008-09 2009-10
 ROA(in %)

YEAR ROA=NET PROFIT/ASSET

2004-05 0.262199
   
2005-06 1.02516
   
2006-07 0.405864
   
2007-08 0.89311
   
2008-09 1.046694
   
2009-10 0.951137
 ROA
ROA=NET PROFIT/ASSET
1.20

1.03 1.05
1.00
0.95
0.89
0.80
ROA=NET PROFIT/ASSET
0.60

0.40 0.41
0.26
0.20

0.00
2004-05 2005-06 2006-07 2007-08 2008-09 2009-10
 ASSET UTILIZATION RATION(%)

ASSET UTILIZATION RATION=TOTAL

YEAR INCOME/TOTAL ASSET
2004-05 7.484614
   
2005-06 7.869685
   
2006-07 6.679448
   
2007-08 7.990074
   
2008-09 8.08703
   
2009-10 7.946877
 Asset Utilization Ratio
ASSET UTILIZATION RATION=TOTAL INCOME/TOTAL ASSET
9.00
8.00 7.87 7.99 8.09 7.95
7.48
7.00
6.68
6.00
ASSET UTILIZATION
5.00 RATION=TOTAL
INCOME/TOTAL ASSET
4.00
3.00
2.00
1.00
0.00
2004-05 2005-06 2006-07 2007-08 2008-09 2009-10
analysis
 NET INTEREST MARGIN (%)

NET INTEREST MARGIN =SPREAD/TOTAL

YEAR ASSET
2004-05 3.124736
   
2005-06 4.401061
   
2006-07 3.429567
   
2007-08 4.433557
   
2008-09 4.10667
   
2009-10 3.858049
 Net Interest Margin
NET INTEREST MARGIN =A/TOTAL ASSET
5.00
4.50 4.40 4.43
4.00 4.11
3.86
3.50 3.43
3.00 3.12 NET INTEREST MARGIN
2.50 =A/TOTAL ASSET
2.00
1.50
1.00
0.50
0.00
2004-05 2005-06 2006-07 2007-08 2008-09 2009-10
analysis
CONCLUSION