BalanceSheet 2011 - maharashtra gramin bank

26) Maintenance of CRR:
During current financial year the Bank has maintained adequate average balance
with RBI in compliance to the CRR requirement.
27) Following ratios have been calculated as per NABARD guidelines:
Particulars
As on 31 st
March,
2011
(Rs in crores)
As on 31 st
March, 2010
Percentage of Net NPAs to net Advances 1.97 2.36
Interest income as a percentage to working funds 8.12 8.50
Non interest income as a percentage to working funds 0.66 0.82
Operating Profit as a percentage to working funds 0.84 1.38
Return on Assets 0.38 0.72
Business (Deposits + Advances) Per Employee 3.22 2.77
Gross Profit Per Employee 0.018 0.02
Net Profit Per Employee 0.009 0.015
28) The Bank has maintained the Statutory Liquidity Ratio (SLR) @ 25% of Demand &
Time Liabilities by investing with the NABARD & in Government Securities. Bank has
also maintained Cash Reserve Ratio as per applicable rates (presently 6.00%) of
Demand & Time Liabilities with Reserve Bank of India for financial year.
29) The figures have been rounded off to the nearest thousands. Figures in bracket
indicate negative amounts. Figures shown in the tables/ annexure/ charts are as
given and certified by the management.
30) Previous year's figures have been re-grouped / re-classified wherever necessary to
confirm Current year's classification.
FOR MANDHANA & ASSOCIATES
CHARTERED ACCOUNTANTS
FOR MAHARASHTRA GRAMIN BANK
CA. RAJENDRA S MANDHANA
PARTNER
M. No. 109511 FRN.121195W
ASHOK MAGDUM
CHAIRMAN
H N DHANURKAR
DIRECTOR
M K CHANDEKAR
DIRECTOR
V R GUPTA
DIRECTOR
A D DESHPANDE
DIRECTOR
EKNATHRAO DAWALE
DIRECTOR
SHRIKAR PARDESHI
DIRECTOR