| (As on March 31, 2022) |
| (Per cent) |
| Sr. No. | Bank Name | Average Cost of Deposits | Average Yield on Advances | Net Interest Income to Total Assets (Spread) | Net Interest Income to Working Funds | Non- Interest Income to Working Funds | Return on Assets (RoA) | CRAR | Business per Employee
(₹ crore) | Profit per Employee
(₹ crore) |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 |
| 1 | Abhyudaya Co-operative Bank Limited, Mumbai | 4.84 | 8.48 | 1.73 | 1.72 | 0.66 | 0.02 | 9.02 | 6.23 | 0.00 |
| 2 | Ahmedabad Mercantile Co-operative Bank Limited | 5.36 | 8.62 | 3.23 | 3.15 | 1.61 | 2.48 | 28.86 | 10.34 | 0.21 |
| 3 | Akola Janata Commercial Co-operative Bank Limited, Akola | 4.17 | 10.06 | 3.13 | 3.09 | 0.91 | 0.56 | 22.97 | 4.87 | 0.02 |
| 4 | Akola Urban Co-operative Bank Limited, Akola | 4.18 | 10.18 | 3.68 | 3.49 | 0.99 | 0.58 | 14.80 | 4.23 | 0.02 |
| 5 | Amanath Co-operative Bank Limited, Bangalore | 2.68 | 1.54 | 1.78 | 1.78 | 3.88 | 1.30 | 1.26 | 1.67 | 0.02 |
| 6 | Andhra Pradesh Mahesh Co-operative Urban Bank Limited | 6.03 | 11.42 | 2.77 | 2.77 | 0.78 | 0.97 | 28.49 | 7.08 | 0.06 |
| 7 | Apna Sahakari Bank Limited | 5.05 | 9.51 | 2.56 | 2.79 | 1.21 | 0.35 | 9.43 | 8.39 | 0.02 |
| 8 | Bassein Catholic Co-operative Bank Limited | 5.46 | 9.47 | 2.59 | 2.54 | 0.52 | 0.76 | 17.38 | 19.85 | 0.12 |
| 9 | Bharat Co-operative Bank (Mumbai) Limited, Mumbai | 5.51 | 9.73 | 2.40 | 2.36 | 0.84 | 0.29 | 13.98 | 13.10 | 0.03 |
| 10 | Bharati Sahakari Bank Limited | 4.51 | 8.94 | 2.37 | 2.41 | 0.47 | 0.02 | 19.72 | 8.67 | 0.00 |
| 11 | Bombay Mercantile Co-operative Bank Limited | 3.17 | 9.75 | 4.06 | 3.62 | 1.64 | 0.10 | 17.22 | 3.58 | 0.00 |
| 12 | Citizen Credit Co-operative Bank Limited, Mumbai | 4.07 | 8.99 | 2.67 | 3.05 | 0.48 | 0.63 | 24.76 | 9.60 | 0.06 |
| 13 | Cosmos Co-operative Bank Limited | 4.73 | 9.13 | 2.90 | 3.07 | 2.71 | 0.38 | 13.19 | 10.85 | 0.03 |
| 14 | Dombivli Nagari Sahakari Bank Limited | 4.38 | 9.57 | 2.44 | 2.59 | 3.44 | 0.49 | 14.99 | 7.89 | 0.03 |
| 15 | Goa Urban Co-operative Bank Limited | 5.35 | 9.23 | 3.00 | 3.00 | 0.51 | 0.72 | 19.96 | 5.31 | 0.03 |
| 16 | Gopinath Patil Parsik Janata Sahakari Bank Limited, Thane | 4.49 | 9.73 | 3.30 | 3.25 | 0.48 | 1.02 | 22.31 | 6.92 | 0.06 |
| 17 | Greater Bombay Co-operative Bank Limited | 4.96 | 9.51 | 2.52 | 2.43 | 1.74 | 0.29 | 16.33 | 9.50 | 0.02 |
| 18 | Indian Mercantile Co-operative Bank Limited, Lucknow | 3.50 | 5.68 | 3.41 | 4.05 | 0.45 | 0.44 | 23.16 | 1.46 | 0.01 |
| 19 | Jalgaon Janata Sahakari Bank Limited | 4.59 | 10.56 | 3.47 | 3.50 | 1.07 | 0.83 | 14.37 | 8.58 | 0.05 |
| 20 | Jalgaon People's Co-operative Bank Limited | 4.10 | 9.98 | 3.12 | 3.15 | 0.70 | 0.04 | 13.49 | 6.78 | 0.00 |
| 21 | Janakalyan Sahakari Bank Limited, Mumbai | 4.87 | 10.40 | 3.08 | 2.99 | 0.43 | 0.05 | 10.08 | 8.91 | 0.00 |
| 22 | Janalaxmi Co-operative Bank Limited, Nashik | 5.32 | 18.78 | 2.95 | 5.57 | 5.59 | 1.32 | 35.41 | 1.31 | 0.03 |
| 23 | Janata Sahakari Bank Limited, Pune | 5.00 | 8.90 | 2.31 | 2.15 | 1.48 | 0.01 | 15.06 | 10.82 | 0.00 |
| 24 | Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited | 5.63 | 10.41 | 2.94 | 2.94 | 0.48 | 0.44 | 13.88 | 7.13 | 0.02 |
| 25 | Kalupur Commercial Co-operative Bank Limited | 4.80 | 8.40 | 2.80 | 2.64 | 0.80 | 1.46 | 18.87 | 16.89 | 0.18 |
| 26 | Kalyan Janata Sahakari Bank Limited, Kalyan | 4.88 | 9.85 | 2.57 | 2.54 | 1.20 | 0.56 | 11.70 | 10.53 | 0.04 |
| 27 | Kapol Co-operative Bank Limited, Mumbai | 2.59 | 5.18 | 0.61 | 0.59 | 0.26 | -3.98 | -347.90 | 2.19 | -0.16 |
| Appendix Table V.1: Select Financial Parameters: Scheduled UCBs (Continued) |
| (As on March 31, 2022) |
| (Per cent) |
| Sr. No. | Bank Name | Average Cost of Deposits | Average Yield on Advances | Net Interest Income to Total Assets (Spread) | Net Interest Income to Working Funds | Non- Interest Income to Working Funds | Return on Assets (RoA) | CRAR | Business per Employee
(₹ crore) | Profit per Employee
(₹ crore) |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 |
| 28 | Karad Urban Co-operative Bank Limited | 5.37 | 9.74 | 2.94 | 2.89 | 0.57 | 0.28 | 16.91 | 5.96 | 0.01 |
| 29 | Khamgaon Urban Co-operative Bank Limited, Khamgaon | 3.81 | 9.73 | 3.71 | 3.88 | 0.63 | 0.46 | 20.75 | 4.76 | 0.02 |
| 30 | Mahanagar Co-operative Bank Limited, Mumbai | 4.99 | 9.94 | 3.30 | 3.39 | 0.51 | 0.56 | 15.51 | 7.28 | 0.03 |
| 31 | Mehsana Urban Co-operative Bank Limited | 5.65 | 10.23 | 3.66 | 3.31 | 0.52 | 1.42 | 14.77 | 21.82 | 0.19 |
| 32 | Nagar Urban Co-operative Bank Limited, Ahmednagar | 5.39 | 7.35 | 1.89 | 2.57 | 1.35 | -2.88 | -8.81 | 3.08 | -0.11 |
| 33 | Nagpur Nagrik Sahakari Bank Limited | 2.70 | 5.45 | 2.20 | 2.55 | 2.26 | 0.12 | 12.30 | 6.62 | 0.01 |
| 34 | Nasik Merchant's Co-operative Bank Limited | 4.25 | 10.04 | 3.95 | 3.95 | 2.26 | 1.30 | 37.58 | 3.81 | 0.04 |
| 35 | New India Co-operative Bank Limited, Mumbai | 4.70 | 9.76 | 2.05 | 2.07 | 0.81 | 0.08 | 9.03 | 13.38 | 0.01 |
| 36 | NKGSB Co-operative Bank Limited, Mumbai | 4.95 | 11.24 | 2.38 | 2.51 | 0.77 | 0.20 | 13.07 | 10.84 | 0.02 |
| 37 | Nutan Nagarik Sahakari Bank Limited, Ahmedabad | 5.88 | 8.39 | 1.86 | 1.66 | 0.90 | 0.61 | 16.68 | 12.65 | 0.05 |
| 38 | Pravara Sahakari Bank Limited | 5.57 | 10.96 | 3.37 | 3.23 | 1.01 | 0.42 | 14.42 | 5.67 | 0.02 |
| 39 | Rajarambapu Sahakari Bank Limited | 6.13 | 10.01 | 2.68 | 2.68 | 0.27 | 0.46 | 12.80 | 9.06 | 0.03 |
| 40 | Rajkot Nagrik Sahakari Bank Limited | 5.04 | 9.92 | 3.16 | 3.04 | 0.50 | 1.37 | 18.41 | 8.43 | 0.08 |
| 41 | Rupee Co-operative Bank Limited | 1.76 | 1.30 | 1.03 | 2.60 | 0.14 | 0.08 | -749.39 | 4.11 | 0.01 |
| 42 | Sangli Urban Co-operative Bank Limited, Sangli | 5.41 | 8.82 | 2.16 | 2.40 | 0.52 | -0.65 | 11.29 | 6.14 | -0.03 |
| 43 | Saraswat Co-operative Bank Limited, Bombay | 4.63 | 8.52 | 2.12 | 2.04 | 1.03 | 0.56 | 13.94 | 15.28 | 0.06 |
| 44 | SBPP Co-operative Bank Limited, Killa Pardi | 4.54 | 9.82 | 3.44 | 3.31 | 0.32 | 0.89 | 20.89 | 8.40 | 0.06 |
| 45 | Shamrao Vithal Co-operative Bank Limited | 4.85 | 8.76 | 2.50 | 2.93 | 0.90 | 0.71 | 13.32 | 13.60 | 0.07 |
| 46 | Shikshak Sahakari Bank Limited, Nagpur | 4.71 | 11.06 | 2.36 | 2.94 | 0.80 | 0.04 | 11.71 | 4.82 | 0.00 |
| 47 | Solapur Janata Sahakari Bank Limited | 5.22 | 10.65 | 2.93 | 3.41 | 0.83 | 0.55 | 14.70 | 7.54 | 0.04 |
| 48 | Surat Peoples Co-operative Bank Limited | 5.79 | 8.60 | 1.90 | 1.84 | 0.37 | 0.75 | 13.73 | 24.48 | 0.12 |
| 49 | Thane Bharat Sahakari Bank Limited | 4.37 | 11.08 | 4.07 | 4.29 | 0.90 | 0.46 | 13.70 | 7.52 | 0.03 |
| 50 | TJSB Sahakari Bank | 4.72 | 9.72 | 3.23 | 2.94 | 0.59 | 1.12 | 15.28 | 12.54 | 0.10 |
| 51 | Vasai Vikas Sahakari Bank Limited | 5.54 | 9.23 | 1.91 | 1.93 | 0.60 | 0.34 | 14.84 | 10.05 | 0.03 |
| 52 | Zoroastrian Co-operative Bank Limited, Bombay | 4.58 | 9.33 | 2.22 | 2.38 | 0.52 | 0.30 | 27.65 | 7.18 | 0.02 |
Note: Data are provisional.
Source: Off-site surveillance returns, RBI. |