Banks In Business: A Half Year Review

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bank After three tumultuous summers, banks operating across J&K are up and kicking. In the six months ending September 2011, their deposits – mostly CASA, have surged from Rs 45694.63 crores in March 2011 to Rs 48394.49 crores.

Their overall advances have increased from Rs 16252.04 crores to Rs 17280.51 crores and most of it – 10825.35 crores (more than 62%) – falls under mandatory priority sector. But the overall exposure in the state as a percentage to the deposits they are holding is gradually slipping. It nosedived from 45.74 percent in March 2010 to 40.68 percent in September 2010 and ended up at phenomenally low CDR of 35.57 percent in March 2011. Six months later, it is 35.71 percent.

Banks seem to be consolidating their pie in the market. Their branch network has increased from 1302 to 1357 in six months. And their cumulative NPA has marginally increased from Rs 793.39 crores in March 2011 to Rs 794.66 crores. It was at Rs 733.44 crores in March 2010. While the nationalized banks have reduced their NPA from Rs 308.82 crores to Rs 298.89 crores in six months, private banks have increased it from Rs 294.23 crores to Rs 317.05 crores. RRBs have reduced it phenomenally from Rs 46.29 crores to Rs 11.12 crores but the cooperative banks have witnessed the NPA going up from Rs 144.05 crores to Rs 167.60 crores.

NPA

CDR

Advances / Investment

Deposits

Bank

Branches (No)

Deposits

Advances

Investments

Total Advances

NPA

March 2011 (Rs Cr)

September 2011 (Rs Cr)

Nationalized Banks

125.92

24.78

1557.63

6286.02

State Bank of India

149

7168.00

1642.00

4.00

1646.00

107.32

97.52

28.60

818.74

2862.69

Punjab National bank

86

3084.69

783.13

0.00

783.13

97.52

17.10

40.90

139.42

340.92

UCO Bank

13

362.85

127.95

0.00

127.95

3.52

13.10

30.70

91.90

299.35

Central Bank of India

16

321.16

92.04

0.00

92.04

14.00

N.A

54.85

144.20

262.90

Canara Bank

11

286.58

151.08

0.00

151.08

1.75

5.21

66.09

186.60

282.36

Punjab & Sindh Bank

14

296.71

199.96

0.00

199.96

5.21

7.46

51.73

58.81

113.68

Bank of Baroda

4

12.87

60.70

0.50

61.20

23.52

2.40

60.38

57.48

95.19

State Bank of Patiala

3

95.19

57.48

0.00

57.48

2.40

6.48

27.92

71.17

254.91

United Bank of India

7

284.92

86.48

0.00

86.48

6.51

1.80

243.91

96.27

39.47

Syndicate Bank

2

50.86

115.96

0.00

115.96

1.80

4.97

23.31

18.08

77.56

Vijaya Bank

3

78.84

17.61

0.00

17.61

5.16

6.96

23.41

87.59

374.13

Oriental Bank of Commerce

14

414.01

84.46

0.00

84.46

9.73

10.17

31.13

86.72

278.61

Bank of India

7

286.86

99.14

0.00

99.14

11.40

2.89

60.34

114.78

190.22

Allahabad ba nk

4

194.81

119.93

0.00

119.93

2.60

0.37

21.82

3.91

17.92

Dena Bank

3

19.04

3.87

0.00

3.87

0.37

4.08

98.33

43.65

44.39

Indian Overseas Bank

3

60.09

40.08

0.00

40.08

4.08

0.83

48.21

9.56

19.83

United Bank

1

19.83

9.56

0.00

9.56

0.83

0.13

43.30

5.59

12.91

Andhra Bank

1

12.91

5.59

0.00

5.59

0.13

0.85

24.43

6.79

27.79

Corporation Bank

1

37.39

6.62

0.00

6.62

0.62

0.58

41.22

5.89

14.29

Bank of Maharashtra

2

18.16

7.54

0.00

7.54

0.42

308.82

30.30

3604.78

11895.14

344

13105.77

3711.18

4.50

3715.68

298.89

Private Sector Banks

290.23

39.53

11400.51

28842.05

J&K Bank

451

29871.68

11751.66

435.91

12187.57

314.79

0

12.35

28.00

226.77

ICICI Bank

8

274.26

56.71

0.00

56.71

0

4.00

28.08

117.50

418.45

HDFC Bank

20

480.51

150.34

0.00

150.34

2.26

N.A

1.87

1.73

92.76

Axis Bank

4

240.79

7.30

0

7.30

N.A

294.23

39.04

11547.74

29580.03

483

30867.24

11966.01

435.91

12401.92

317.05

Regional Rural Banks

40.30

35.25

562.26

1595.01

J&K Grameen Bank

176

1645.69

573.59

40.77

614.36

5.94

5.99

43.18

214.54

496.86

Elaquai Dehati Bank

113

521.12

249.87

128.00

377.87

5.18

46.29

37.13

776.80

2091.87

289

2166.81

823.46

168.77

992.23

11.12

Cooperative Banks

35.33

35.71

334.75

937.36

JCC Bank

89

1068.48

362.71

3.40

366.11

33.94

32.44

65.81

167.95

255.21

BCC Bank

35

230.28

163.36

0.00

163.36

44.59

16.31

58.52

85.62

146.30

ACC Bank

34

150.00

0.61

39.87

40.48

25

31.10

49.90

123.56

247.63

Citizens’ Coopertaive Bank

11

265.11

119.94

1.33

121.27

32.06

21.12

25.12

123.34

491.04

JKSC bank

24

483.91

111.86

23.25

135.11

24.39

0.10

59.62

10.26

17.21

DUCO bank

2

19.92

10.96

0.00

10.96

0.09

N.A

102.48

1.65

1.61

SCARD

45

2.63

1.53

0.00

1.53

N.A

7.65

28.34

8.85

31.23

BMC Bank

1

34.34

8.89

0.00

8.89

7.53

144.05

40.23

855.98

2127.59

241

2254.67

779.86

67.85

847.71

167.60

793.39

36.73

16785.30

45694.63

Grand Total

1357

48394.49

17280.51

677.03

17957.54

794.66

Source: State Level Bankers Committee, J&K

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