| Part B – Risk Weight Assets and Exposures |
| Sl.No. |
Particulars |
Book Value |
Margins and Provisions |
Book value (net) |
Risk Weight (%) |
Risk Adjusted Value |
| |
Asset Items |
|
|
|
|
|
| I |
Cash and Bank Balances |
11,896.70 |
0.00 |
11,896.70 |
|
1,520.97 |
| 1 |
Cash Balances with RBI |
4,291.84 |
0.00 |
4,291.84 |
0.00% |
0.00 |
| 2 |
Balances in current account with other Banks |
7,604.87 |
0.00 |
7,604.87 |
20.00% |
1,520.97 |
| II |
Investments |
63,122.61 |
2.84 |
63,119.77 |
|
16,118.87 |
| 1 |
Investments in Govt.Secuirites Investments in other apporoved securities guaranteed by Central / |
27,187.36 |
0.00 |
27,187.36 |
2.50% |
679.68 |
| 2 |
State govt. |
0.00 |
0.00 |
0.00 |
2.50% |
0.00 |
| 3 |
Investments in other securities where payment of
interest and repayment of prinicipal are guaranteed
by centrla govt. (It will included India/Kisan Vikas
Patra and investment in bonds and debentures where
payment of interest and prinicipal is guaranteed by
Central Government/State Governments) |
0.00 |
0.00 |
0.00 |
2.50% |
0.00 |
| 4 |
Investments in other securities where payment of
interest and repayment of prinicipal are guaranteed
by state govt. (If, the same has became NPA, it
will atrtact 102.5% risk weight and therefore
included under all other investments at X below) |
0.00 |
0.00 |
0.00 |
2.50% |
0.00 |
| 5 |
Investments in other approved securities where payment
of interest and repayment of principal are not guaranteed
by central/sate govts. |
0.00 |
0.00 |
0.00 |
22.50% |
0.00 |
| 6 |
Investments in govt. guaranteed securities of
govt. undertakings which do not form part of
the approved market borrowing programme. |
|
|
|
|
|
| 7 |
Claims on commercial banks, DCCBs and StCBs such
as FDs, CDs, money at call and short notices etc. |
26,739.42 |
0.00 |
26,739.42 |
22.5% |
6,016.37 |
| 8 |
Investment sin bonds issued by all india Publich
Financial Institutions Investments in bonds
issued by Public Financial Instituttions for
their |
0.00 |
0.00 |
0.00 |
102.50% |
0.00 |
| 9 |
Tier II Capital |
0.00 |
0.00 |
0.00 |
102.50% |
0.00 |
| 10 |
All Other investments |
9,195.83 |
2.84 |
9,192.99 |
102.50% |
9,422.81 |
| III |
Loans and Advances including bills purchases and discounted |
344,079.36 |
52,439.17 |
291,640.19 |
|
284,451.32 |
| 1 |
Loans guaranteed by GOI |
0.00 |
0.00 |
0.00 |
0.00% |
0.00 |
| 2 |
Loans guaranteed by State Govt. State
Government guaranteed advance which has
become a non |
0.00 |
0.00 |
0.00 |
0.00% |
0.00 |
| 3 |
Performing asset |
0.00 |
0.00 |
0.00 |
100.00% |
0.00 |
| 4 |
Loans granted to PSUs of GOI |
0.00 |
0.00 |
0.00 |
100.00% |
0.00 |
| 5 |
Loans granted to PSUs of State Govt. |
0.00 |
0.00 |
0.00 |
100.00% |
0.00 |
| 6 |
Housing Loans |
0.00 |
0.00 |
0.00 |
0.00% |
0.00 |
| 6.1 |
Loans to individuals(fully secured bymortage
of residential properties) up to Rs.30.lakhs
(LTV ratio should be computed as a percentaage
of total outstanding in the account
(viz.prinicipal + accrued interest+other ccharges
pertaining to the loan without any netting) in the
numerator and the realizable value of the residential
property mortgaged to the balnk in the denominator) |
0.00 |
0.00 |
0.00 |
0.00% |
0.00 |
| a |
LTV ratio isequal to or less than 75 percent |
0.00 |
0.00 |
0.00 |
50.00% |
0.00 |
| b |
LTV ratio is more than 75 percent |
0.00 |
0.00 |
0.00 |
100.00% |
0.00 |
| 6.2 |
Housing others |
0.00 |
0.00 |
0.00 |
100.00% |
0.00 |
| 7 |
Consumer credit including personal loan |
0.00 |
0.00 |
0.00 |
125.00% |
0.00 |
| 8 |
Loans up to Rs.1 lakh agianst gold and silver
ornaments (Where the loan amount exceeds
Rs.1.lakhs, the entire loan amount has to be
asisgned the risk weight applicable fo rthe
purpose for which the loan has been sanctioned) |
8,393.83 |
0.00 |
8,393.83 |
50.00% |
4,196.92 |
| 9 |
All other loans and advances including Education
loan loans extended against primary/collateral
security of shares/
(**Note No. 3) |
332,522.91 |
52,439.17 |
280,083.74 |
100.00% |
280,083.74 |
| 10 |
Debentures |
0.00 |
0.00 |
0.00 |
125.00% |
0.00 |
| 11 |
Leased assets. |
0.00 |
0.00 |
0.00 |
100.00% |
0.00 |
| 12 |
Advances guaranteed by DICGC/ECGC (the risk weight of
50% should be limited to the amount quaranteed and not
the entire outstanding balance in the accounts. In other
words the outstanding inexcess of the amount guaranteed,
will carry 100% risk weight.) |
0.00 |
0.00 |
0.00 |
50.00% |
0.00 |
| 13 |
Advance against term deposits, life policies , NSC,
IVPs and KVPs where adequate margin is available. |
2,309.30 |
0.00 |
2,309.30 |
0.00% |
0.00 |
| 14 |
Loans and advances granted by State/Central
Cooperative banks to their own staff, which
are fully covered by superannuation benefits
and mortgage of flat/house. |
853.32 |
0.00 |
853.32 |
20.00% |
170.66 |
| IV |
Other Assets |
36,329.38 |
5,232.07 |
31,097.31 |
|
27,388.92 |
| 1 |
Premises, furniture and fixtures |
16,121.82 |
0.00 |
16,121.82 |
100.00% |
16,121.82 |
| 2 |
Interest due on GOI securities |
506.44 |
0.00 |
506.44 |
0.00% |
0.00 |
| 3 |
Accrued interest on CRR balances maintained
with RBI and claims on RBI on account of
Government transactions (net of claims of
government/RBI on banks on account of such
transactions) |
0.00 |
0.00 |
0.00 |
0.00% |
0.00 |
| 4 |
Interest receivalble on staff loans |
0.00 |
0.00 |
0.00 |
20.00% |
0.00 |
| 5 |
Interest receivable from banks |
210.78 |
0.00 |
210.78 |
20.00% |
42.16 |
| 6 |
All other Assets (**Note No. 4) |
16,457.02 |
5,232.07 |
11,224.95 |
100.00% |
11,224.95 |
| 7 |
Interest Rebate / Subvention Receivable from Govt of India |
3,033.32 |
0.00 |
3,033.32 |
0.00% |
0.00 |
| V |
TOTAL |
455,428.05 |
57,674.08 |
397,753.97 |
0.00 |
329,480.08 |
