st ANNUAL 2017-18 21 REPORT Toll Free Services ATM, POS & e-COM Business Mobile Banking App 140.35 TAB Banking Crores 31/08/2018 Up Coming Delighting Customer POCHAMPALLY BANK Pochampally Co-op. Urban Bank Ltd., ‡éKÇO„¬eÁ¬eÁ HËÐP„¬ö~\÷"£¬ö~\÷"£ J~¡Ä<£Ä<£ ƒ ì¼O䛽 eq°>ÿ_£ ‡ H›=~¡¾ z\÷“‡ é° Nx"Œ‹ ¹ ‹ ¬ƒ ’°¼° K³á~¡à<£ ‹ ¬¶ï~„ ¬eÁ ~¡"Í°+¹ ƒ ÕQ® q[† Ÿ°ä›½=¶~Ÿ H›~Œß\÷ ‡ O_È° "³á‹ ¹ K³á~¡à<£ _³áï~H›“~Ÿ _³áï~H›“~Ÿ Ì„ O_³O ~¡„ ¦¬ò H›~Œß\÷ ƒ ì‹ ¬°ã|‚ ¬ìà}¼O Q®°O_È° =°^ΰ zH›ø q+¬µâ _³áï~H›“~Ÿ _³áï~H›“~Ÿ _³áï~H›“~Ÿ _³áï~H›“~Ÿ <Ë=ò ~¡„ ¦¬ò ~Œ‡ é° "Í}° JO^³ |‹ ¬Þ† Ç°¼ ‹ Ô`Ç Nx"Œ‹ ¹ _³áï~H›“~Ÿ _³áï~H›“~Ÿ _³áï~H›“~Ÿ p„ ¹ Zyû䛀 ¼\÷"£ P„ ¦Ô‹ ¬~Ÿ áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 POCHAMPALLY CO-OPERATIVE URBAN BANK LIMITED KNOW YOUR BANK ESTABLISHED ON : 22-10-1997 R.C.S. Regd. No. : 1227 / TH AREA OF OPERATION : Entire Nalgonda, Ranga Reddy, Mahabubnagar, Medak, Warangal and Khammam Dist. RBI LICENCE No. : UBD HYD. AP. 1424 P. dt. 21-06-1997 RBI / OSS Code No. : 08770201 IFC Code No. (RTGS / NEFT & MICR) Pochampally (Br.) : YESB0PCUB01, 500 883 002 Choutuppal (Br.) : YESB0PCUB02, 500 883 003 Devarakonda (Br.) : YESB0PCUB03, 500 883 004 Nalgonda(Br.) : YESB0PCUB04, 500 883 005 Haliya (Br.) : YESB0PCUB05, 500 883 006 Chandur (Br.) : YESB0PCUB06, 500 883 007 Suryapet (Br.) : YESB0PCUB07, 500 883 008 DICGC Code / Registration : 87702 & AP112 BANK PAN No. : AAAAT7910R TAN No. : HYDT02189F GST No. : 36AAAAT7910R1ZW PRESENT CHAIRMAN : Mr. CHITTIPOLU SRINIVAS Elected on : 18-02-2014 NAME OF GM & CEO : Mr. SEETHA SRINIVAS APPONTMENT DATE : 01-09-1997 NUMBER OF SHARE HOLDERS : 6403 ADDRESS FOR COMMUNICATION: BRANCHES Pochampally : H.No. 3-188, Main Road, Bhoodan Pochampally-508 284, Yadadri Bhongir (Dist.), T.S Ph No.08685-222093, Fax: 08685-222326, Mobile: 9848657787. Choutuppal : H.No. 5-474/1, 1st floor, Beside : APSRTC Bus Stand, Choutuppal – 508 252, Yadadri Bhongir (Dist.) Ph No. 08694-272700, Mobile : 9052272700. Devarakonda : H.No. 19-198, Shop No.136 to 140 & 141/1, 1st floor Vishnu Complex, Main Road, Devarakonda – 508 248, Nalgonda (Dist.) Mobile: 9848677787. Nalgonda : H.No.6-2-109, Shop No’s 128 to 131 &32, 1st floor Central Business Complex, Clock Tower, Nalgonda- 508 001.Mobile:7731994447. Haliya : H.No.4-224, Shop No.101, 1st Floor, Sree Tharakarama Complex, Haliya, Anumula (Mdl), Nalgonda-508377.Mobile : 9948787733. Chandur : H.No. 11-135 & 136, Shop No.103,104,136 & 122 to 124, 1st Floor, Main Road, Sai Durga Commercial Complex, Chandur, Nalgonda (Dist)-508 255. Mobile: 9603993311. Suryapet : H.No. 1-2-270/46/5/2A, MG Road, Opp: Yes Bank Lance, Suryapet, Suryapet (Dist), Telangana-508 213. Mobile: 9912689966. Banks Growth Profile From Last 10 Years (Rs. in Lakhs) Sl.No Particulars 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 1 Members 3177 3611 3928 4230 4445 4731 5386 5876 6171 6403 áÈK«OѨe¡ HÀ–PѨˆ~\˜"£J~°ƒ<£ÉϺOH±eq∞>ˇ_£ 2 Share Capital 38.17 51.39 80.25 96.48 138.55 173.42 239.02 283.91 357.92 372.40 3 Reserves 73.32 86.52 103.14 119.62 137.25 157.97 176.3 196.72 219.70 307.14 4 Deposits 516.64 629.36 1151.58 1723.57 2403.74 3550.50 4781.86 5839.29 7383.85 7930.46 5 Loans and Advances 330.95 435.86 863.25 1139.02 1444.19 1864.87 2779.91 3624.36 4328.60 5075.35 6 Investments 216.64 242.8 366.38 606.67 915.01 1659.86 1882.73 1997.73 2914.27 1982.43 7 In Govt. Securities 46.21 101.38 294.36 329.15 583.17 957.41 1056.85 1351.35 1544.84 1662.67 8 Working Capital 683.32 817.3 1297.9 1913.16 2605.71 3757.8 5078.51 6162.78 7781.44 8933.13 9 Gross Profit 43.44 47.61 63.69 95.52 143.32 188.99 228.66 293.82 406.85 504.25 10 Net Profit 12.16 15.38 15.35 27.50 38.16 41.13 43.44 56.23 83.86 94.68 14% 11 Dividend 15% 15% 15% 17% 18% 17% 16% 16% 14% Proposed 12 NPA Gross 0.67% 0.21% 0.09% 0.03% 0.01% 0.05% 0% 0% 0.01% 0.15% 13 Net NPA 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Annual Report2017-18 14 CD Ratio 64.06% 69.25% 74.97% 66.09% 60.07% 52.52% 58.13% 62.07% 58.62% 64.00% 15 CRAR 25.70% 25.77% 26.89% 25.07% 23.89% 20.93% 17.80% 14.85% 14.50% 14.93% 16 Staff Cost 9.19 9.50 11.67 20 25.38 41.17 63.9 81.70 100.69 121.19 17 Staff Cost to W.Capital 1.34 1.16% 0.90% 1.05% 0.97% 1.10% 1.26% 1.33% 1.29% 1.36% 18 Staff Cost to G.Profit 21.16 19.95% 18.32% 20.94% 17.71% 21.78% 26.33% 27.81% 24.75% 24.03% áÈK«OѨe¡ HÀ–PѨˆ~\˜"£ J~°ƒ<£ ÉϺOH± eq∞>ˇ_£ Annual Report 2017-18 DISCLOSURE OF INFORMATION The following information as on 31.03.2018, which is supposed to be disclosed by banks in terms of RBI circular No. UBD.CO.BPD(PCB)Cir.No.52/12.05.001/2013-14, dated March 25, 2014, is being furnished voluntarily. (Rs.in lakhs) 31.03.2018 31.03.2017 i) Capital to Risk Weight Asset Ratio 14.93% 14.50% ii) Movement of CRAR 14.93% 14.50% iii) Investments Central Government Securities AFS HTM AFS HTM a) Face Value - 481.00 - 281.00 b) Book Value - 396.74 - 278.60 c) Market Value of Investment(FIMDA) - 388.24 - 291.63 State Government Securities a) Face Value 704.70 612.60 704.70 562.60 b) Book Value 706.25 559.68 706.25 559.99 c) Market Value of Investment(FIMDA) 737.57 571.95 766.03 590.72 Issuer composition of Non SLR Investments 1. PSUs - 2. FIs - 3. Public Sector Banks 70.43 283.58 4. Mutual Funds - 100.00 5. Others 249.28 268.29 6. Provision held towards Depreciation Non-Performing Non SLR Investments NIL NIL iv) Advances against real estate, construction business, housing 685.17 535.97 v) Advances against Shares & Debentures NIL NIL vi) Advances to directors, their relatives, companies/ firms in which they are interested a) Fund Based (against FD’s & LIC) 1.46 0.93 b) Non fund based (guarantees, LIC etc.) - - vii) Cost of Depostis: Average cost of deposits 6.51% 7.18% viii) NPAs a) Gross NPAs 7.42 0.24 b) Net NPAs 0.00 0.00 c) Percentage of Gross NPA 0.15 0.01 d) Percentage of Net NPA 0.00 0.00 ix) Movement in NPAs a) Gross NPAs 7.42 0.24 b) Net NPAs 0.00 0.00 x) Profitability a) Interest income as a percentage of working funds 9.02% 9.77% b) Non- Interest income as a percentage of working funds 1.84% 1.51% c) Operating profit as a percentage of working funds 1.87% 1.35% d) Return on Assets 1.37% 1.32% e) Business (Deposits+ Advances)per employee 265.43 278.87 f) Profit per employee 1.93 2.00 xi) Provisions made towards a) NPAs 33.13 47.69 b) Depreciation on Investments 12.00 0.65 c) Standard Assets 20.27 15.28 xii) Movement in provision a) NPAs 33.13 47.69 b) Depreciation on Investments 12.00 0.00 c) Standard Assets 20.27 15.28 xiii) Foreign currency assets & liabilities : (if applicable) NA NA xiv) Insurance premium paid on depostis to DICGC on 17.05.2017 & 15.11.2017 and 09.05.2016 & 26.11.2016 8,42,836.00 7,34,664.00 xv) Penalty imposed by RBI NIL NIL Sd/- Sd/- Sd/- Sd/- S. 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