Abridged Balance Sheet and Working results

THE MAHARASHTRA STATE CO-OPERATIVE BANK LTD: MUMBAI
(INCORPORATING THE VIDARBHA CO-OP. BANK LTD.)
SCHEDULED BANK
Abridged Balance Sheet and Working results

(₹ in lakh)
PARTICULARS	Previous Year 31.03.2015	Current Year 31.03.2016
Balance Sheet
Capital	45672.80	47209.48
Reserves & Surplus	360916.29	362975.99
Deposits	999266.37	1126844.06
Borrowings	671720.42	774068.60
Other liabilities	58018.93	56090.03
Total Liabilities	2135594.81	2367188.16

Cash and bank balances	355717.35	471440.73
Investments	446446.85	327703.12
Loans and advances	1200662.52	1442436.56
Other assets	132768.09	125607.75
Total Assets	2135594.81	2367188.16

Profit & Loss Account
Interest Income	167059.55	160012.06
Other Income	27045.54	22498.53
Total Income	194105.09	182510.59
Interest Expenditure	114518.79	121179.65
Other Expenditure	38526.87	37045.83
Total Expenditure	153045.66	158225.48
Profit / (-) Loss	41059.43	24285.11

Other Working Results
CD Ratio (%)	120.15%	128.01%
Recovery performance (%) (as on June)	92.05%	88.62%
Gross NPAs	140546.59	133733.43
Net NPAs	6420.59	4082.87
% of Gross NPAs to total advances	11.71%	9.27%
% of net NPAs to net loans	0.60%	0.31%
Capital adequacy ratio (%)	16.30%	15.01%
Net Worth	172069.48	196146.91
Coverage of Deposits under Deposits Insurance Scheme of DICGC
Period up to	March 31,2016	September 30,2016
Deposits Asseable	273082.71	294539.91
Premium Amount Paid	156.34	168.62