Achievement at Glance

OVER ALL PERFORMANCE FOR 5 YEARS I.E. 2017-18 TO 2021-22

SHARE CAPITAL :

As per the Provision underSection (4) of the Bye law of the Bank the authorized Share Capital of the Bank shall be Rs.500.00 Cores only and each allotted to State Govt., Central Govt. and Cooperative Societies Body Cooperative and individual members. The paid up Share Capital position of the Bank as on 31.03.2022 stood Rs.10920.37 lakhs as against Rs.9513.33 lakhs of the last year resulting an increasing of Rs.1407.04 lakhs. The growth rate 15% of the previous year. The Comparative statement of paid of share capital of the Bank for the year last 5 year is given below. As per the Circular No. VI(1)36/ 2007 (Part – 1) / 7852 / Audit – 8 Dt.07.10.2011 of Director Co-operative Audit, in pursuance of amendment in the provision u/s 41 (1) of the OCS Act. one provision was inserted which stipulates that “In case of Co-operative Credit Society the State Govt. shall not subscribe directly to the Share Capital of the Society exceeding 25% of Share Capital of such Society. In excess of 25% of the paid up share capital of Society / Bank, it shall convert, the excess share over and above 25% into a grant from the State Govt. to that Co-operative Societies or the Co-operative Bank as part of restructuring package. Accordingly Rs.120.07 lakhs i.e. 25% of over and above paid up share capital has been transferred to other fund and reserve. So the position of paid up share capital has been decreased to that extent.

(Rs. in Lakhs)

S.N.	Share Capital	31.03.18	31.03.19	31.03.20	31.03.21	31.03.22
1.	Member Share & others.	6572.94	7205.02	7896.65	8785.04	9192.08
2.	Govt. Share	628.29	628.29	628.29	728.29	1728.29
TOTAL :		7201.23	7833.31	8524.94	9513.33	10920.37

RESERVE & RESERVE FUND :

The position of different type of reserve and fund created by the Bank as per provision of the OCS Act., Rules for the last 5 year is given below:

(Rs. in Lakhs)

S.N.	Particulars	31.03.18	31.03.19	31.03.20	31.03.21	31.03.22
1.	Reserve Fund	3211.20	7125.67	7125.67	10960.63	14589.86
2.	Growth Rate	3%	122%	0%	53.82%	33.11%

OWN FUND :

Sl.No.	Particulars	31.03.18	31.03.19	31.03.20	31.03.21	31.03.22
1.	Own Fund	10412.43	14958.98	15650.61	20473.96	25510.23
2.	Growth Rate	14%	14%	5%	31%	25%

DEPOSIT OF BANK :

As per the provision under section 12 of the Bye law the Bank has tapped various type of Deposit from members including institution to be raise fund in shape of Fixed Deposit R.I. Deposit, Savings Bank Deposit (SBD), Subhadra Daily Deposit (SDD) etc. The total deposit of Bank stands at Rs.114440.79 lakhs as on 31.03.2022 against Rs.109906.61 lakhs as on 31.03.19. The growth rate 4.13% of the previous year.

(Rs. in Lakhs)

Sl. No.	Deposit Position	31.03.18	31.03.19	31.03.20	31.03.21	31.03.22
1.	Demand Deposit	13026.94	18417.16	19198.00	21213.33	21277.66
1	Demand Deposit	19198.00	21213.33	21277.66	22178.40	23612.43
2	Term Deposit	64088.01	72546.51	80836.05	87728.21	90828.36
	Total	83286.01	93759.84	102113.71	109906.61	114440.79
	Growth Rate	4%	13%	9%	8%	4%

DEPOSIT COUNTER

(Rs. in Lakhs)

Sl. No.	Deposit Position	31.03.18	31.03.19	31.03.20	31.03.21	31.03.22
1	Angul Dist.	23968.88	27435.20	29328.87	31707.83	32387.62
2	Dhenkanal	6286.55	6463.43	7163.96	7482.11	7663.02
	Total	30255.43	33898.63	36492.83	39189.94	40050.64
	Growth Rate	5%	12%	8%	7%	2%

BORROWINGS

The borrowings from Apex Bank and State Govt. and others is furnished here under.

(Rs. in Lakhs)

Sl. No.	Particulars	31.03.18	31.03.19	31.03.20	31.03.21	31.03.22
1.	NABARD	0.00	0.00	0.00	0.00	0.00
2.	Apex Bank	49557.21	49955.36	52623.10	60665.83	70993.79
3.	State Govt.	669.90	493.15	316.40	161.66	52.17
4.	Others	13.59	13.59	13.59	7.95	8.24
	Total	50240.70	50462.10	52953.09	60835.44	71054.21

INVESTMENT OF LOANS & ADVANCES :

The Working Capital of the Bank stands at Rs.227326.44 lakhs as on 31.03.2022 and total loan and advances stands at Rs.97891.53 lakhs. The loan and advances constitute 43% of the total Working Capital of Bank.

(Rs. in Lakhs)

S.N.	Particulars	31.03.18	31.03.19	31.03.20	31.03.21	31.03.22
01	Loan Outstanding	69681.92	77691.41	85311.57	94070.33	97891.53
	Growth Rate	14%	11%	10%	10%	4%

INVESTMENT

(Rs. in Lakhs)

Sl. No.	Particulars	31.03.18	31.03.19	31.03.20	31.03.21	31.03.22
1.	INVESTMENT	76641.99	84724.94	89233.23	99138.73	109484.00
	Growth Rate :	3%	11%	5%	11%	10%

MAINTAIN OF CRR AND SLR

In pursuance of provision Under Section 18 and 24 of the Banking Regulation Act.1949 (As applicable to Cooperative Societies) the Bank is required to maintain 4.50% cash reserve ratio 18%, SLR of liquid asset of its total demand and time Liabilities as on the last Friday of Second proceeding fortnight after the close of transaction and shall submit a return to the RBI on or before 15th day of every month showing the amount held on alternative Friday of second fortnight during a month.

STATUTORY LIQUID RESERVE

As per provision Under Section 24 of the BR Act.-1949 in addition to Cash Reserve Ratio (CRR), the Bank is required to maintain a statutory liquidity reserve @ 18% for the year 2021-22 of its Demand and time liabilities. It is observed that the Bank has maintained excess SLR throughout the year.

WORKING CAPITAL

The Working Capital of the Bank has been arrived as on 31.03.2022 is Rs.227326.44 lakhs as against Rs.209852.86 lakhs of the previous year.

(Rs. in Lakhs)

Sl. No.	Particulars	31.03.18	31.03.19	31.03.20	31.03.21	31.03.22
1.	Working Capital	158626.23	174139.48	188792.37	209852.86	227326.44
	Growth Rate :	9%	10%	8%	11%	8%

COST OF MANAGEMENT

The Cost of Management of the Bank for the year 2021-22 is Rs.1508.40 lakhs as against Rs.1354.72 lakhs as on previous year.

(Rs. in Lakhs)

Sl. No.	Particulars	As on - 31.03.18	As on - 31.03.19	As on - 31.03.20	As on - 31.03.21	As on - 31.03.22
1	Working Capital	158626.23	174139.48	188792.37	209852.86	227326.44
2	COM	973.97	1005.38	1315.21	1354.72	1508.40
3	CoM to W.C	0.77%	0.69%	0.83%	0.65%	0.66%

BUSINESS PRODUCTIVITY

(Rs. in Lakhs)

Sl. No.	Particulars	As on - 31.03.18	As on - 31.03.19	As on - 31.03.20	As on - 31.03.21	As on - 31.03.22
1	Loan Advance and deposit	152967.93	171451.25	187416.30	203976.94	212332.32
2	No of Employee	126	118	114	131	125
3	No of Branch	17	17	17	17	17
4	Per Emp. Productivity	1214.03	1452.98	1644.00	1557.07	1698.66
5	Per Branch Productivity	8998.11	10085.37	11024.49	11998.64	12490.14

CREDIT DEPOSIT RATIO

(Rs. in Lakhs)

Year	Deposit	Loan Advances	CD Ratio
2017-18	83286.01	69681.92	83.67%
2018-19	93759.84	77691.41	82.86%
2019-20	102113.71	85302.59	83.54%
2020-21	109906.61	94070.33	86%
2021-22	114440.79	97891.53	86%

N.P.A. MANAGEMENT

The Bank supports, among others, handloom weavers, marketing of crop and animal resources development. The handloom weavers constituting 16% of rural NPA in the Bank are accepted to debt waiver treatment once the Govt. accepts the long pending demand of during debt weaver to the entire segment in the country. Now our Gross NPA is 5.00% as on 31.03.2022.

(Rs. in Lakhs)

Year	Total Loan Outstanding	N.P.A.	% of Gross N.P.A.
2017 - 18	69681.92	4081.62	5.86%
2018 – 19	77691.41	3674.43	4.73%
2019 – 20	85302.59	8598.50	10.08%
2020 – 21	94070.33	13949.71	14.83%
2021 – 22	97891.53	4895.61	5.00%

PROFIT AND LOSS POSITION

(Rs. in Lakhs)

Year	Total income	Total expenditure	Net Profit	Cumulative loss
2017 – 18	13118.89	9137.65	3981.24	-
2018 – 19	16723.37	12613.54	4109.83	-
2019 – 20	14300.46	10647.17	3653.29	-
2020 - 21	14130.58	13624.96	505.62	-
2021 - 22	14284.07	13448.43	835.64	-

CAPITAL TO RISK WEIGHTED ASSET RATIO (CRAR)

Sl. No.	Particulars	31.03.18	31.03.19	31.03.20	31.03.21	31.03.22
1.	CRAR	17.69%	20.81%	22.95%	21.80%	23.97%

DECLARATION OF DIVIDEND

The dividend payment ratio should not exceed 20% of the Net Profit during the year subject to provision under Section 56 of OCS Act 1962.

(Rs. in Lakhs)

Sl. No.	Particulars	Year	Amount
1	Dividend	2017-18	28.18
2		2018-19	30.73
3		2019-20
4		2020-21

CROP FINANCE : -

KHARIFF INVESTMENT

(Rs. in Lakhs)

Year	Season Target	No.	Achievement	%
1	2	3	4	5
30.09.2018	46500.00	145547	42801.15	92%
30.09.2019	48500.00	143127	43176.29	89%
30.09.2020	53000.00	140106	47661.51	90%
30.09.2021	51500.00	146181	51526.53	100.05%

RABI INVESTMENT

(Rs. in Lakhs)

Year	Season Target	No.	Achievement	%
31.03.2018	30000.00	121170	32636.42	109%
31.03.2019	34000.00	122297	36139.33	106%
31.03.2020	39000.00	117904	35191.65	90%
31.03.2021	39000.00	132062	42546.70	109.09
31.03.2022	40000.00	133330	44630.72	111.58

NODC

The NABARD refinance to Central Cooperative Bank is allowed to Short Tem Agriculture Operation financing against non overdue loans as per norms prescribed by NABARD.

DEMAND COLLECTION & BALANCE (D.C.B) : -

PRINCIPAL

(Rs. in Lakhs)

Sl. No.	Particulars	As on - 31.03.18	As on - 31.03.19	As on - 31.03.20	As on - 31.03.21	As on - 31.03.22
1	Demand	73196.78	84625.26	75532.41	98403.97	109874.32
2	Collection	63199.44	73501.68	72041.54	85501.38	97422.78
3	Balance	9997.34	11123.58	3490.87	12902.29	12451.54
	% of Coll.	86%	87%	95%	87%	89%

INTEREST

(Rs. in Lakhs)

Sl. No.	Particulars	As on - 31.03.18	As on - 31.03.19	As on - 31.03.20	As on - 31.03.21	As on - 31.03.22
1	Demand	7850.03	12232.63	5733.38	9599.60	10403.67
2	Collection	4880.79	9166.51	5010.25	5751.86	6798.95
3	Balance	2969.24	3066.12	723.13	3847.74	3604.72
	% of Coll.	62%	75%	87%	60%	65%

SELF HELP GROUP (S.H.G.)

In order to uplift the financial position of rural poor people SHG were formed. Bank has financed loan for different trading activities. The detail position on formation and linkage of SHG is as follows.

(Rs. in Lakhs)

Year	SHG Formed		SHG Linkage		Cumulative Formation		Cumulative Linkage
	No.	Amount	No.	Amount	No.	Amount	No.	Amount
31.03.18	834	28.26	620	595.03	10941	532.98	10500	5839.14
31.03.19	696	29.31	783	860.97	11637	562.29	11283	6700.11
31.03.20	177	5.45	1105	1492.13	11814	567.74	12388	8192.24
31.03.21	380	20.86	207	338.17	12194	588.60	12595	8530.41
31.03.22	194	2.69	1096	2106.77	12388	591.29	13691	10637.18

JOINT LIABILITY GROUP (J.L.G.)

In order to uplift the financial position of rural poor people JLG were formed. Bank has financed loan for different trading activities. The detail position on formation and linkage of JLG is as follows :

(Rs. in Lakhs)

Year	JLG Formed		JLG Linkage		Cumulative Formation		Cumulative Linkage
	No.	Amount	No.	Amount	No.	Amount	No.	Amount
31.03.18	38	0.22	285	154.09	2618	18.40	3726	1258.41
31.03.19	2383	11.99	2377	1179.42	5001	30.39	6103	2437.83
31.03.20	114	0.59	624	341.57	5115	30.98	6727	2779.40
31.03.21	51	0.28	112	55.64	4506	31.26	4422	3187.19
31.03.22	23	0.14	865	455.56	4530	31.41	4441	3642.75

FINANCING ON NON-FARM SECTOR LOAN

After Globalization of Indian economy, Bank and other financial distribution have made free to as regards to rate of interest and area of financing by R.B.I. accordingly. The Bank has accepted and enters in to the Non-farm Sector financing since the year 1991. The Non-farm loan includes S.S.I. Units cash credit production and marketing activities, trading activities, SRTO loans, Agro based Units like multi chamber cold store, FISH seed breeding, horticulture, plantation Farm mechanization and extend activities to other non-priority sector advances etc. According the Bank has financed the following activities. The purpose wise investment and growth thereon is narrated hereunder.

(Rs. in Lakhs)

Sl. No.	Purpose	Sanction		Loan Disbursed as on 31.03.2022
		No.	Amount	No.	Amount
1	SRTO	-	-	-	-
2	SSI	-	-	-	-
3	Rural Housing	-	-	-	-
4	ISB (SCC)	5	1.75	5	1.75
5	Other Priority Sector	10	51.40	10	51.40
	Total	15	53.15	15	53.15

PADDY PROCUREMENT KMS 2021 - 22

Out of 183 nos. of PACS in Bank 175 nos. of PACS (Angul Dist. 95 nos. of PACS & Dhenkanal Dist. 80 nos. of PACS) have been selected for paddy procurement during KMS 2021– 22. Out of total selected PACS 118 nos. of PACS have procured of paddy of Q.1435815.34 of amounting of Rs.27854.82 lakhs both in Angul & Dhenkanal Dist. as on 31.03.2022.

Sl. No.	Name of the District	PACS selected	PACS Procured	No. of Members	Qnty. (in Qntl.)	Value (in lakhs)
1	Angul	95	91	32587	996773.76	19337.41
2	Dhenkanal	80	27	12594	439041.58	8517.41
	TOTAL	175	118	45181	1435815.34	27854.82