EDB Profile 2010 Kulgam

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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EDB Profile 2010 Kulgam

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