Dhakuria Co-operative Bank Ltd.

Profile

Profile: We believe in sincerity and hard work, as a result we have been honored as the 2nd Best Urban Cooperative Bank Ltd. and other Laurels by Banks Federation even after the globalization at.

Looking back to the year of 1932 we will see some the then enthusiatic village people of Dhakuria gathered in a dingy lane at Dr. Kedar Banerjee Lane for a good motive. On nineth day of January, in the said year a very small bud of the enriched idea debuted in the Horizon of Co-operative Movement, under the stewardship of Late B.V. Dasgupta, one of the eminent people of that time in Dhakuria.

The Dhakuria Co-operative Credit Society ended the inaugural year with only 46 members having a share capital of Rs. 702/-, Rs. 300/- as deposit and Rs. 980/- as investments and advances. With proper care and long nourishment of long seventy-seven years, the then bud blossomed to a flower for which our predecessors really can be acclaimed. We, the next generation can feel proud for that. Transition from Credit Society to Bank took place on the first day of July in the year 1972 after a long journey of 40 years.

From 1977, all our deposits were insured under Deposit Insurance and from the year of 1980, we are participating as sub-member in Clearing House. Further we started our locker facility from third July on 1985. Now we are operating throughout the whole Kolkata. Our present audit rating is "A". To serve our customer in a better way our staff members are at the service from 8 a.m. to 8 p.m. having Single Window System for deposit and withdrawal. Being a small Co-operative Bank in shape we serve the people in a better way in competition with other Commercial and Private Banks.

Sl. No. Particulars 31/03/17 31/03/18 31/03/19 31/03/20 31/03/2021
1
Share Capital
184.03 211.43 232.07 251.23 254.86
2
Reserves
620.32 642.27 665.76 689.56 720.771
3
Net Worth
396.45 513.11 527.03 519.73 580.07
4
Deposits
7088.63 7098.63 7378.08 7680.79 8158.99
 
4.1 Term Deposit
4025.83 4182.72 4281.33 4593.21 4889.16
 
4.2 Savings Bank Deposit
2892.44 2815.08 2954.50 2965.74 3098.76
 
4.3 Current Deposit
170.36 100.83 142.25 121.84 171.07
5
CASA
43.21% 41.08% 41.97% 40.20% 40.08%
6
Working Capital
8181.09 8306.37 8698.03 9084.15 9537.78
7
Loans & Advances
2200.15 2456.24 2764.68 3135.89 3070.77
 
7.1 Priority Sector
NA NA 72.76% 65.12% 68.80%
 
7.2 Weaker Sector
NA NA 22.72% 20.60% 20.52%
8
Investment & Bank Deposits
5206.98 4965.64 5046.02 4894.77 5578.88
9
Risk Provision
255.14 269.25 275.96 288.68 304.74
10
Net Profit (After Tax Provisions)
59.70 51.67 20.53 46.93 47.41
11
Net N.P.A.
         
 
a. Amount
-100.82 -53.38 -32.28 -47.44 138.50
 
b. Percentage
-5.05% -2.38% -1.27% -1.64% 4.91
12
Credit Deposit Ratio
31.04% 34.60% 37.47% 40.83% 37.64
13
Capital to Risk Assets Ratio (CRAR)
14.74% 19.31% 18.44% 17.18% 19.51%
14
Total Members
6137 6216 6262 6389 6305
15
Audit Classification
“A” “A” “A” “A”  ---
16
Dividend declared
12% 12% 12% NA 12%
17 Supervisory Rating --- --- --- --- ---