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THE BHUJ MERCANTILE CO OP BANK LIMITED
FINANCIAL STRENGH

FINANCIAL STRENGH

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BANK FINANCIALS AS ON 31/03/2025 (RS. IN LAKH)

Particulars 31/03/2025
SB +CA deposits 9857
Total Deposits 48954
Capital fund (Equity+Free Res) 6487
75% of Capital Fund 4865
Loans & Advances 34603
Bad debts 919
CASA Ratio 20.13%
CD Ratio 63%
CRAR 21.64%
GNPA amount 919
GNPA % 2.65%
NNPA % 0.00%
Net Profit After Tax 492

 

BANK FINANCIAL STRENGTH AS ON 31-03-2025 (RS. IN LAKH)

Total Loans & Advances Rs. 34580.38 Lakhs as on 31-03-2025.

Sr No. Classification of Assets   Amount Provision Required As Per Rule Actual Provision made by Bank
1 Standard Assets   33661.75 134.64 161.55
2 Sub-Standard Assets   466.17 46.62 -
3 Doubtful Assets   327.92 134.77 -
4 Loss Assets   124.54 124.54 884.14
5 Gross NPA (2+3+4)   918.63 305.93 884.14
  Total (1+5)   34580.38 440.57 1045.69
NET NPA OF THE BANK IS "0"%

As per above, Provision required for Gross NPA as on 31.03.2025 is Rs. 305.93 lakh as per RBI guidelines. As against this, the bank has made provision of Rs. 884.14 lakh. Thus, the aggregate provision (Excluding Standard Assets Provision) for NPA is excess Rs. 578.21 Lakhs


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