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HEAD OFFICE - SRINAGAR

KASHMIR, JAMMU & KASHMIR

ESTABLISHED - 16.07.1979

NO. OF BRANCHES - 108

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Share Holders
Govt of India 50%

Govt of J & K 15%

State Bank of India 35%

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 Area of Operation
District Srinagar District Jammu
District Budgam District Udhampur
District Ganderbal District Doda
District Samba
District Anantnag
District Reasi
District Pulwama
District Ramban
District Shopian
District Kulgam

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Balance Sheet Size
2008-09 505.25 Cr

2009-10 583.32 Cr

Increase 15.47%
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 Business Performance
DEPOSITS (Amt. in lacs)

45000 42919
42260
40000
35000 35331
31031
30000
27002
25000
20000
15000
10000
5000
0
31.03.2007 31.03.2008 31.03.2009 31.03.2010 30.09.2010

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Deposit Growth YoY
2006-07 19.36 %

2007-08 14.92%

2008-09 13.86%

2009-10 19.61%
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 Business Performance
Loans & Advances
(Amt. in lacs)

20000

15000

10000 19395
16875
10850 11963
5000 8086

0
31.03.2007 31.03.2008 31.03.2009 31.03.2010 30.09.2010

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 Advances Growth YoY
2006-07 39.10 %

2007-08 34.18%

2008-09 10.25%

2009-10 41.06%
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 C. D. RATIO
31.03.2007  29.95
31.03.2008  34.18
31.03.2009  33.86
 40.00
31.03.2010

30.09.2010
 45.19
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SECTORWISE POSITION OF
ADVANCES ( Amt. In lacs) 31.03.10
PRIORITY SECTOR Amt. % to Gross
ADVANCE
credit
11932 70.71
Non- PRIORITY SECTOR
ADVANCE
4943 29.29
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SECTORWISE POSITION OF
ADVANCES ( Amt. In lacs) 30.09.10
PRIORITY SECTOR Amt. % to Gross
ADVANCE
credit
14222 73.33
Non- PRIORITY
SECTOR 5173
ADVANCE
26.67
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ADVANCES

Achievements 2009-10
Disbursement Rs 11233 lacs
 Priority Sector Rs 8857 lacs

 Others Rs 2376 lacs

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ADVANCES

Achievements .
30.09.2010 (during CF year)
Disbursement Rs 3260 lacs
Priority Sector Rs 2524 lacs
 Others Rs 736 lacs
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 District Kulgam
No of Branches 07

1.Areah 2.Chowgam
3. Devsar 4. K.B.Pora
5. Kaddar 6. Kelam
7. Yaripora

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 Deposits
22.19 Crores

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Advances

12.62 Crores

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C D Ratio

62.74 %

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Customized Products
EDB Credit Card
Mortgage Loan for Traders
Scootee Loan for working women &
students
Mini Transport for unemployed Youth
Computer Loan for Students
General Credit Card for Rural and
Semi Urban areas
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 Micro Finance
286 SHGs Established.
90% SHGs of Women folk.
Joint Liability Groups established
Ist Time in J&K by our Bank.
78 Farmers Club Launched.
2 Women Farmers Club Launched.
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 Financial Inclusion
District Anantnag allotted for 100 % FI.
61 villages covered for 100% FI
5 new branches to be opened at identified
villages for providing banking services .
70 thousand “No Frill” Accounts opened

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Branch Expansion
11 new Branches to be
Opened during the current FY.

16 closed/merged branches to

be reopened. Process already
initiated.
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Recruitment & Promotion
 To recruit
specialized officers,
Clerical and sub staff
during current
financial year.
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Computerization Status Roadmap
 All sections at Head Office and
Area Offices have been provided
with stand alone computers.
 Forty-one branches computerized.

 CBS process initiated during the

current fiscal with the help of
sponsor bank.
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 THANK YOU
SIR
A K Razdan
CHAIRMAN

E D BANK

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