BalanceSheet 2011 - maharashtra gramin bank

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20) Movement of NPA during the year: Particulars (Rs. in Lacs) 31st March <strong>2011</strong> 31st March 2010 Gross NPA as at the commencement of the year 6992.55 7002.80 Additions during the year 2483.15 2882.28 Less Reduction during the year i) Amounts recovered 1426.55 1847.16 ii) Amounts Written Off 436.60 901.11 iii) Upgradation 42.66 144.26 Gross NPAs as at the close of the year 7569.89 6992.55 Less Provisions 4360.06 4173.02 Net NPA as at the close of the year 3209.83 2806.20 21) Movement in provision for Non Performing Advances: (Rs. in Lacs) Particulars 31st March <strong>2011</strong> 31st March 2010 Opening balance (excluding provisions on standard assets) 4173.02 5054.80 Add: Provision made during the year 623.65 240.00 Less: Write Off during the year 436.60 1121.78 Closing Balance 4360.07 4173.02 22) Disclosure of complaints: A. Customer Complaints - Sr. Particulars Details a No. of complaints pending at the beginning of the year 17 b No. of complaints received during the year 63 c No. of complaints redressed during the year 74 d No. of complaints pending at the end of the year 06 B. Award passed by the Banking Ombudsman - Sr. Particulars Details a No. of unimplemented Awards at the beginning of the year Nil b No. of Awards passed by the Banking Ombudsman during the year Nil c No. of Awards implemented during the year Nil d No. of unimplemented Awards at the end of the year Nil
23) Details of Loans Assets subject to Restructuring i ii iii iv Particulars Current Year Previous Year Total amount of loan assets subject to restructuring, rescheduling, renegotiation Nil Nil The amount of Standard assets subjected to restructuring, rescheduling, renegotiation Nil Nil The amount of Sub-Standard assets subjected to restructuring, rescheduling, renegotiation Nil Nil The amount of Doubtful assets subjected to restructuring, rescheduling, renegotiation Nil Nil Note [ (i) = (ii) + (iii) + (iv)] Nil Nil 24) Exposure to Real Estate Sector (Rs. in lakhs) Sr. Category Current Year Previous Year a Direct exposure i) Residential Mortgages 15885.44 6896.10 Lending fully secured by mortgages on residential property that is or will be occupied by the borrower or that is rented (individual housing loan upto Rs. 15 lakh may be shown separately) ii) Commercial Real Estate Lending secured by mortgages on commercial real estates (office buildings, retail space, multi-purpose commercial premises, multi-family residential building, multi-tenanted 2037.50 560.25 commercial premises, industrial or warehouse space, hotels, land acquisition, development and construction, etc.) Exposure would also include non-fund based (NFB) limits; iii) Investments in Mortgage Backed Securities (MBS) and other -- -- securitized exposures a. Residential -- -- b. Commercial Real Estate -- -- b) Indirect Exposure Fund-based and non-fund based exposures on National Housing Bank (NHB) and Housing Finance Companies (HFCs) -- -- 25) Details of Single Borrower (SGL), Group Borrower Limit (GBL) exceeded by the Bank: - - N I L - -
Page 1 and 2: MAHARASHTRA GRAMIN BANK HEAD OFFICE
Page 19 and 20: SCHEDULE - 17 SIGNIFICANT ACCOUNTIN
Page 21 and 22: c) In case of Debentures and bonds,
Page 23 and 24: Sr. No. Name Period 1 A A Magdum, C
Page 25 and 26: SCHEDULE - 18 NOTES ON ACCOUNTS - F
Page 27 and 28: (Rs. Lakh) Sr. Particulars Current
Page 29: ii) Non- Performing Non- SLR Invest
Page 33: MAHARASHTRA GRAMIN BANK HEAD OFFICE

BalanceSheet 2011 - maharashtra gramin bank

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