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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