INDEX

2.1 2.2 2.3 2.4 2.5 2.6 2.7 2.! 2.$ 2.1% 2.11 INTRODUCTION HISTORY OF RDC BANK PROFILE OF THE BANK LOGO LIST OF BOARE OF DIRECTORS BRANCH NETWORK OBJECTI E OF RDCB ISION "ISSION # ALUES AWARDS # CERTIFICATES KEY INDICATIRS OF THE BANK SER ICES OF THE BANK

2.12 H&'()&'(*+ ,- *(. B/01 2.14 2.15 P2&03&4).+ O- C,5O4.2/*&6. B/01 P2,7).8+ I0 C,5O4.2/*&6. B/01+

2.16 P2.+.0* P,+&*&,0 O- RDC B/01 2.17 ORGANI9ATIONAL STRUCTURE OF CO5OPERATI E BANKS 2.1! S:,* A0/);+&+ 2.1$ P2.+.0* P,+&*&,0 O- RDC B/01

2.1 INTRODUCTION
The co-operative bank of Rajkot ltd. popularl kno!n a" RDC bank i" e"tabli"hed on 1#$# under the "tron%& effective leader "hip of one of the national cooperative hero honor 'hri (ithalbhai Raddi a !ith the intention of "urvive the co))on )an. The local inten"it of the bank in it" cu"to)er centric approach& ha""le free e*ecution of the deci"ion + technolo%ie" are their )ain difference fro) co))ercial bank"& al"o hi%h level of co))it)ent at all level" of )ana%e)ent + "elf co))itted %round level "taff )ake" the) different fro) other co))ercial bank". ,t pre"ent RDC bank ha" achieved a ke po"ition in the )arket of "aura"htra. It ha" 1-./1 0.O. in all over 'aura"htra includin% )ain branch !ith the advanced technolo%ie" and educated "taff& a" it "aid that 1In the e)er%in% co)petitive bu"ine"" environ)ent Co-operative bank" !ho adhere to "trict financial di"cipline. Onl !ill "urvive2 On thi" ba"i" at pre"ent RDC bank i" beco)in% )ore pre"ti%iou" in the bankin% "ector.

2.20I'TOR3 O4 RDC 5,N6

'hree Rajkot Di"trict Co-Operative 5ank 7td. 8"tabli"hed on 1 "t October& 1#$#. Then after it al!a " %et )ore and )ore achieve)ent" toda . There are total 9#1 officer" in 12# branche" includin% )ain branch al"o a)on% the). :ore the 1;. officer" are bein% trained at <une& 5an%alore and 7akhno!. The are "ent for trainin% accordin% to the rotation of activit . Thi" bank %ettin% licen"e in 1=th 'epte)ber& 1##= for bankin% bu"ine"" fro) the Re"erve 5ank. 4ro) la"t 2; ear" their credit cla""e" al!a " re)ain" >,>. 4ro) the la"t # ear" the are %ettin% fir"t nu)ber for recover %et in all over "tate. ,ccordin% to the rule" of the i" available in $9 branche". %overn)ent the are parin% )a*i)u) dividend fro) la"t 1. ear". There are their o!n buildin%" in $. branche" and locker facilit ,)on% total loan" ;2? loan" are fro) priorit "ector. 4or the plant of providin% the credit card of the %overn)ent@ thi" bank i" providin% the loan of 1.$2 lack" for production to the u"er of ki"an credit card. 4ro) a)on% the total depo"it lo!e"t depo"it i" -A?. :ana%e)ent co"t re)ain" al!a " 2? and in thi" ear it i" onl

1.;;? and finall

)ar%in i" -.2-?. ,nd N.<.,. i" -.9A?. 4or providin% the in all the area"@ the bank !ould %et >5e"t

in"urance of R". 1 7ac to all the loan taker"@ the loan taker" par"e all the e*pre"" for that. 4or the be"t activit <erfor)ance> ,!ard. :erit certificate and price of R". $ lack"@ . fro) la"t - ear". 4ar)er" are need" to the )one the loan" are provided b bank. for increa"in% their far) production at

different "ection like "eed"@ ne! )edicine"@ fertiliBer" and ne! technolo% . That all Di"trict Co-Operative 5ank"& co))ercial and citiBen

2.- <RO4I78 O4 T08 5,N6

Na)e of the Co)pan 3ear of e"tabli"h)ent ,ddre"" C Rajkot di"trict Co-Operative 5ank 7td. C 1#$# C 'hri Rajkot di"trict Co-Operative 5ank 7td. 1Dilla 5ank 5havan2& 6a"turba Road& Rajkot - -A...1. <hone No. Re%i"tered Office C .2;1-22-1A$.-$1-$2-$2. C 'hree rajkot di"trict co-operative bank ltd. 1Dilla 5ank 5havan2& 6a"turba Road& Rajkot - -A...1. Re%i"tration No. Eeb"ite 8-)ail ,ddre"" 4or) of or%aniBation C 2=#=.C1#$# C !!!.rdcbank.in C infoFrdcbank.in C Co-Operative 7td.

Eorkin% Da " Ti)in% Eeekl Off 5ranche" ,ccountin% 3ear ,uditor ,ccountant"

C :onda to 'aturda . C 1.C-. to $C-.. C 'unda . C 1-1 5ranche" C 1"t ,pril to -1"t :arch. C R.D.'hah C 5.:.'an%ani.

2.= 7OGO

2.$ C0,RT O4 5O,RD DIR8CTOR' O4 RDC 5,N6

5O,RD O4 DIR8CTOR' 2..

'hri (ithalbhai Radadi a HChair)an 'hriI

'hre Ghan"h a)bhai 6hatari a

(Vice Chairman Shri)

'hri (a%hajibhai 5oda

'hri :a%anbhai Ghoni a HDirecto 'hriI 'hri Da abhai <atel HDirecto 'hriI
Shri Arvindhbai Tagadiya (Directo Shri) Shri Chhaganbhai Sojitra (Directo Shri) Shri Gordhanbhai Dhameliya (Directo Shri) Shri Maganbhai Vadaviya (Directo Shri) Shri Dineshbhai Bhuva (Directo Shri) Shri ardevsingbhai !adeja (Directo Shri)

Shri "alitbhai #adadiya (Directo Shri) Shri !erambhai $atel (Directo Shri) Shri $ravinbhai #aiyani (Directo Shri) Shri Mahamadjavid $irjada (Directo Shri) Shri arjibhai Ajani (Directo Shri)

Shri Dr% &agneshbhai !oshi (Directo Shri) Shri Dr% Balubhai Saradva (Directo Shri) Shri 'anubhaiVaghani (Directo Shri) Shri arishandrasinh !adeja (Directo Shri)

2.A 5R,NC0 N8TEOR6

<re"entl the bank ha" been licen"ed 1-1 branche" b the R5I. RDC bank i" takin% %reate"t care to en"ure that each branch i" a co)pre""ive reflection of the brand. ,ll branche" are full co)puteriBed. 'trate%icall located& de"i%ned and eJuipped to con"i"tentl deliver a ne! Ka%e branch bankin% e*perience. ,ll the branche" are ver !ell )ana%ed b !ell trained "taff and )aintain the reputation of the bank. Recentl RDC bank ha" )ade re"erve of R" $ crore" for the develop)ent of the core bankin% " "te).

2.9 O5D8CTI(8 O4 RDC5

The Rajkot di"trict co-operative bank i" an a%ricultural bank and it i" al"o ba"ed on the develop)ent of far)er" and a%ricultural develop)ent. ,nd al"o our econo) i" al"o ba"ed on develop)ent of villa%e". ,nd the develop)ent" of villa%e" are connected !ith the develop)ent of far)in%. 'o& the RDC5L' )ain objective i" to develop the far)in% nation and develop)ent of fa)ilie" !hich are livin% in villa%e". 4or the "peed of develop)ent& RDC5 )a tr to increa"e the develop)ent at far)in% field.

2.; (I'ION :I''ION + (,7U8'

(I'ION
Technolo%icall 'tron% 4inanciall 'ound ,ll India <re"ence <er"onaliBed 'ervice" (alue :a*i)iBation 8)plo ee 'ati"faction 'kill :a*i)iBation

:I''ION 5e the :o"t <referred 5ank 7evera%in% Technolo% Develop 7ifelon% Relation"hip !ith Cu"to)er" + Create (alue for 8)plo ee" and 'takeholder"

(,7U8' 1To%ether Ee <ro"per> <eople are our )o"t i)portant a""et. ,t Cooperative ou !ill find )odern facilitie" co)bined !ith old-fa"hionedcourte" . Ee like to think of our cu"to)er" a" friend". Ee feel that the !ar) ")ile of a teller or the helpful "u%%e"tion of a cu"to)er "ervice repre"entative i" !hat keep" cu"to)er" co)in% back.

2.# ,E,RD' ,ND C8RTI4IC,T8

2.1. 683 INDIC,TOR' O4 T08 5,N6

particular 1$!451$$2 <L/1(= S(/2. 3/4&*/) R.+.26. # ,*(.2 ->0?+ D.4,+&*+ I06.+*8.0*+ N.* 42,-&* 12$15 4!$6 2%% 51522 315%2 665 $!211 6765% 21%% 124366 11756% 135% 171$ 5%!1 1%!5! 1333$ 6!1 1$$252%%% <L/1(= 1%16 2%%%52%%! <L/1(= 2515 2%%!52%%$ <L/1(= 2745

2.11 '8R(IC8' O4 T08 5,N6

D8<O'IT'C
Current Depo"it" 4i*ed Depo"it" 'avin%" Depo"it" Recurrin% Depo"it"

LOANS@ T8R: 7O,N'C

0ou"in% 7oan" 5u"ine"" 7oan"

 (ehicle 7oan" <er"onal 7oan" <rofe""ional 7oan" 7oan a%ain"t N'CM6(<M7IC

C,'0 7O,N'C
7oan to ")all "cale Other loan

OT08R '8R(IC8'
7ocker ' "te) De)and Draft Our "tation cheJue collection facilitie" 7oan" a%ain"t Gold De!ellar

,GRICU7TUR8 7O,N'
:iddle ter) for)in% ,nnual credit <lan 'elf credit plan 'elf help %roup linka%e pro%ra) ')art 6i"an Credit Card 4ar)er" Club

2.12 0i%hli%ht" of the 5ank

1I 5ank !a" re%i"tered in 1#$# and have co))enced !orkin% in 1#A. 2I 5ank i" holdin% bu"ine"" licen"e No. R<CD-,0:-$$C date 1=M.#M1##=. -I 5ank i" havin% 1-. branche" in the di"trict / 1 Hhead officeI =I 5ank havin% AA it" o!n branch buildin% includin% head office. $I 92 branche" havin% it" o!n "afe depo"it locker" facilitie" HIncludin% 0ead officeI AI 5ank havin% A11 non "ubordinate "taff / 19$ "ubordinate "taff. 9I ,ll 1-. branche" / 0ead office are full co)puteriBed. ;I 7a"t -- ear bank i" obtain ,udit cla"" 1,2 #I 5ank havin% "hare" capital of R".2$.1$ carore"& re"erve fund and other fund" R".11..29 carore"& !orkin% capital R".1& =;;.1A carore". 1.I Total inve"t)ent i" R".A9$.$. carore" H!ith buildin%& furniture + co)puterI 11I ," on -1"t )arch& 2..; the co"t of )ana%e)ent !a"2..-? H,vera%eI 12I 'ince la"t 1= ear 5ank i" )aintainin% fir"t rank in Gujarat "tate for be"t recover perfor)ance. ," of -.th june&2..9 recover !a" ##.#.? 1-I Rate at inve"t of fi*ed depo"it" are bet!een $? to #.$.? 1=I Co"t of )ana%e)ent of the "ocietie" i" at the level of 2.21 percenta%e H," on -1-.--.9I

1$I 5ank ha" received five ti)e" in ra! the 15e"t <erfor)ance ,!ard2 for the better perfor)ance in all a"pect" of !orkin% at the "tate lever alon% !ith the "hield certificate of )erit and ca"h priBe fro) N,5,RD. 1AI To i)ple)ent 6.C.C. 'che)e at ver fir"t ear bank ha" provide total e*pen"e of R".1A&;9&$.. related 6.C.C. Card of "tationer e*pen"e.

19I 5ank i" fir"t in India for launchin% 1')art 6i"han Credit2 fro) ear 2..=-.$ a" a additional facilit of 6.C.C. holder. 1;I The total depo"it i" R".#;2.11 crore". Ehich con"i"t $;.2;? la! co"t depo"it. 1#I 5ank ha" obtained loan" of R".-=$..- crore". 2.I Total advance oM" i" R".9$$.=# crore". 21I 5ank i" earnin% profit "ince it" be%innin%. ," on -1 "t :,RC0& 2..; after enou%h provi"ionin% the Net <rofit !a" of R".21... crore". 22I 5ank i" pa in% )a*i)u) dividend accordin% to the provi"ion of the act& "ince la"t 1$ ear". 2-I ," of -1-.--.; financial )ar%in of the bank i" -.A#? and net )ar%in i" 1.;=? lever Havera%eI. 2=I Capital ri"k adeJuac ratio a" on -1-.--.9 i" 11.92?. 2$I :a*i)u) "hort ter) a%riculture. 7oan of intere"t durin% the ear 2..9-.; !a" R".99#.=# crore" at the rate of intere"t of 9? to far)er" and !ith A...? to <,C' a" per GOIL' criteria. 2AI Out of A11 Non-"ubordinate "taff 22A e)plo ee" are trained a" of date -1M.-M2..;. 29I ," on ear endin% 2..; there i" Non-perfor)in% a""et" !ere R".1$.AA crore". Thu" %ro"" N<, 2..9? and net N<, i" . HBeroI ? of total advance". 2;I ," per prudential nor)" bank ha" )ade the provi"ion of R".29.=9 crore" a%ain"t the reJuire)ent of R".19.=2 crore" for N<, principal and intere"t. 2#I ," on -1M.-M.; the total nu)ber of an affiliate borro!in% <,C' are =-$ our of the"e =2= are profit )akin%. -.I 8ach "ocietie" havin% it" o!n %odo!n facilitie" and havin% independent !ell Jualified "ecretarie".

-1I ,vera%e !ork load per "taff durin% the ear !a" R".2.2- crore". -2I There are =$1 <,C' affiliated !ith the bank" a" on 2;-12-.9 out of =$1 <,,C' = are overdue.

--I 5ank ha" introduce a %roup <.,. in"urance polic to cover the ri"k of R".1.$. lakh" for the re%ular loanee )e)ber" of the "ocietie".bank ha" paid R".1$9 lakh" out of total pre)iu) of R".21; lakh". -=I 5ank ha" "tarted to provide )edical benefit "che)e for <,C' )e)ber fro) dt.22-.A-.= and end of dt.2;-12-.9 total paid R".-2& .;&... to A.- kidne & "tone& cancer& brain ha) ra%e& paral "i" + heart attach patient" a" "ocial obli%ation of bank. -$I 5ank i" al!a " doin% preplannin% for the better recover . 5ank i" arran%in% re%ular )eetin% at taluka lever place" for the proper plannin%& in pre"ence of branch )ana%er& in"pector"& Bonal officer"& D3.:ana%er& )ana%er"& local director" and "ecretarie" of the "ocietie". Rajkot di"trict bifurcated in five Bone headed !ith D3.)ana%er Bonal. 8ver po""ible effort i" )ade for better and in ti)e 1..? recover . -AI 5ank ha" "end A9 <,C' "ecretarie" for trainin% at NIC) %andhina%ar + paid their e*pen"e F 1... per each. -9I There are A-2 total "tora%e %odo!n !ith <,C' of !hich 1-$ <,C' are !ith 2.1 %odo!n of National %rid "che)e. -;I 1.19A %odo!nL" loan !a" di"bur"ed under 1Rural Godo!n 'che)e2 H Credit link capital inve"t)ent "ub"id "che)e I. -#I ," per N,5,RD and G.O.I %uideline" bank ha" i""ued 1.99 lakh" 6i"han Credit Card". =.I Total priorit "ector loan oM" of R".A.-..A crore" a" on -1M.-M.9. =1I 5ank ha" i""ued 1&-21 "!aroj%ar credit card under N,5,RDL' "che)e. =2I There are 1&.$- '0G " + '5 ,MC !ith bank branche". ,nd bank ha" "anctioned loan of ..A2 crore" for 2.2 '0G". =-I 5ank i" a!arded for '.0.G linka%e" pro%ra))ed for TEO ear".

==I The total credit plan for rajkot di"trict under "ervice area approach i" R".2& 2#..$. crore". ,%ain"t thi"& the bank envi"a%ed the credit outla of R".1& .$1.;- crore". It ha" lar%e"t i.e. =A? "hare in ,C< 2..;-.# of Rajkot Di"trict. =$I Thi" bank i" the fir"t to launch 1:ahal*)i 'elf 0elp credit Card2 "che)e for the )e)ber" of "elf help %roup" !ith the )otto %ettin% loan ")oothl fro) the bank

2.14 <rinciple" Of Co-Operative 5ank

1. (O7UNT,R3 ,''OCI,TION OR :8:58R'0I<C The re"olution of the con%re"" point" out. 1:e)ber"hip of a cooperative "ociet "hould be voluntar and available !ithout artificial re"triction or an "ocial& political& racial or reli%iou" di"cri)ination& to all per"on" !ho can )ake u"e of it" "ervice" and are !illin% the accept the re"pon"ibilitie" of )e)ber"hip.

2. D8:OCR,TIC CONTRO7
The re"olution of the con%re"" point" out. 1Co-operative "ocietie" are de)ocratic or%aniBation". Their affair" "hould be ad)ini"tration b per"on" elected or appointed in a )anner a%reed b the )e)ber" and accountable to the) )e)ber" of pri)ar "ocietie" "hould enjo eJual ri%ht" of votin% Hone )e)ber& one voteI and participation in deci"ion" affectin% their "ocietie" in other than pri)ar "ocietie" "hould be conducted on a de)ocratic ba"i" in a "uitN Old fro)2. The for)ulation of the principle of de)ocratic )ana%e)ent of co-operative" bodie" ha" "everal i)plication".

-. :8:58R' 8CONO:IC <,RTICI<,TION

:e)ber" contribute eJuitabl to and de)ocraticall control the capital of their co-operative". ,t lea"t a part of that capital" u"uall the co))on propert of the co-operative". :e)ber" u"uall receive li)ited co)pen"ation. If& an & on capital "ub"cribed a condition of )e)ber"hip. :e)ber" allocate

"urplu"e" for an or all of the follo!in% purpo"e developin% their co-operative po""ibl b "ettin% up re"erve a part of !hich !ould be indivi"ible benefitin% )e)ber" in portion their tran"action" !ith the co-operative and "upportin% other activitie" approved b the )e)ber"hip.

=. ,UTONO:3 ,ND IND8<8NDNC8

Co-operative i" independence "elf help or%aniBation" controlled b their )e)ber. If the enter into a%ree)ent" !ith other or%aniBation" includin% %overn)ent". Or rai"e capital fro) e*ternal "ource". The do "o on ter)" that en"ure de)ocrat control b autono) . their )e)ber and )aintain their co-operative

$. CO-O<8R,TI(8 8DUC,TION& TR,INING ,ND IN4OR:,TION

,ll co-operative "ociet "hould )ake provi"ion for the education of their )e)ber& Officer" and e)plo ee" and of the %eneral public. In the principle" and techniJue" of co-operation& both econo)ic and de)ocratic& 'o that the can contribute effectivel to the develop)ent of their co-operative". The infor) the %eneral public particularl about the nature and benefit" of co-operation. oun% people and opinion leader"

A.:U7TICIT3 OR COO<8R,TION ,:ONG COO<8R,TI(8'

,ll co-operative or%aniBation"& in odder to be"t "erve the intere"t" of their )e)ber and their co))unitie" "hould activel cooperate in ever practical !a !ith order cooperative" at local& national and international level". It noted that he proce"" of concentration. ,nd co))on action& to reduce co"t" and e*pand bu"ine"" i" %atherin% )o)entu) in other for)" of or%aniBation.

9. CONC8RN O4 CO::UNIT3

Co-operative" !ork for the "u"tainable develop)ent of their co))unit L" throu%h policie" approved b their )e)ber".

2.1$ <roble)" In Co-Operative 5ank"

1. R8CO(8R3 <RO578:
ItL" ea" to provide )one but itL" ver tou%h to %et it back at ti)e. Increa"in% ratio of !illful defaulterL" "hort rainfall& drou%ht& "carcit etc. Ehich are pla in% vital role in the recover procedure 5ecau"e of an above rea"on" if an )e)ber" are not pla in% back then co-operative bank ha" to pa"" throu%h )an le%al "tep" for recover purpo"e !hich are ver difficult and ti)e con"u)in%. It i" not ea" to re)ain and al"o )aintain nu)ber one po"ition in recover a%ain"t )an unfavorable affected factor".

2. T8C0NIC,7 D8(87O<:8NT
The "ucce"" of a financial "uper)arket lie" in it" re"earch to a %reater nu)ber of individual" and in providin% the) in"tant and "ati"factor "ervice". The"e objective" depend "eriou"l on the develop)ent of bank technolo% & !hich i" a proven fact. , lar%e nu)ber of Indian Co-operative bank" "till need to device an benefit out of an "uch chan%e".

-. <RO578: R8G,RDING 7,E

Co-operative bank ha" to follo! rule" and re%ulation" of the relatin% act" and la!". 'o)eti)e" thi" al"o affect" i)ple)entation and e*ecution of proper policie". :ore %overn)ent interference i" al"o the have to follo!.

=. CO::UNIC,TION G,<
It )o"t of co-operative bank i" not full co)puteriBed in all branche". 'o& co))unication %ap bet!een "ocietie"& branche" and head office pla in% vital role in increa"in% proble) of co-operative bank.

$. D8CR8,'ING INT8R8'T R,T8

Co-operative bank" are al"o facin% proble) of decrea"in% intere"t rate. ," co-operative bank" are )akin% inve"t)ent in other bank" a" depo"it but intere"t rate i" decrea"in%. 'o co)parativel the are %ettin% ver le"" return. In 1##; avera%e rate on inve"t)ent !a" 1-.-A? !hich co)e do!n to 1-.19? in1### and to 12.;-? in the ear2....

6. <OOR ,ND D8C7INING CU'TO:8R '8R(IC8

,n i)portant "ide effect of the %ro!th of co-operative bankin% ha" been a "harp decline in the cu"to)er "ervice. The "ervice to the cu"to)er i" beco)in% )ore and )ore i)per"onal& indifferent and inefficient.

9. 7,C6 O4 <RO48''ION,7 :,N,G8:8NT

In co-operative bank )o"tl 5oard of director" are not profe""ional enou%h. 'o it create hierarch of proble)" and al"o there are not enou%h ta"k" fore for the fund )ana%e)ent. ,part fro) thi" pro)otion i" al"o %iven on the ba"i" of "election plu" "eniorit .

;. DI448R8NT CO-O<8R,TI(8 ,CT'

Different co-operative act" are there in different "tate". Thi" )u"t be revi"ed to a )odel co-operative act at national level. On that all "tate" can under"tand in "a)e )anner.

2.1A <re"ent <o"ition Of RDC 5ank

INDEX PERTICULARS PRESENT POESITION IN

2009 ()% Share ca*ital +,%)- crores

(+%

#eserve . other /und

)+0%-, crores

(1%

2or3ing ca*ital

)455 crores

(4%

Total de*osits

-5+ crores

(,%

Total investment

606 crores

(6%

Gross $ro/it

+4%-, crores

(0%

'et *ro/it

+)%(( crores

(5%

'o% o/ branches

)1) 7

%8%

(-%

Audit class

9A:

)(%

'o% o/ em*loyees

056

))%

"oc3er ;acility

+4

ours 16, Days

)+%

'$A

9(: (<=#8)

2.19 ORG,NIO,TION,7 'TRUCTUR8 O4 COO<8R,TI(8 5,N6'

The co-operative bank" have been e"tabli"hed under the co-operative "ocietie" ,ct" of different "tate". 0ence the "tate %overn)ent" re%ulate the"e bank". Onl the "tate co-operative bank" have a""e""ed to the re"erve bank of India. The co-operative bank" have a three-tier "et up. The "tate co-operative bank i" the ape* in"titution in a "tate& !hile central di"trict co-operative bank function at di"trict level and pri)ar credit "ocietie" !ork at the villa%e level. Co-operative bank" function !ith in a %iven area. Their operation" are re"tricted to a particular "tate in ca"e of a "tate ,pe* bank& a particular di"trict inca"e of a di"trict cooperative bank and to a local area inca"e of a "ociet . It proceed" on the principal" of co-operation.

Or%aniBational "tructure of co-operative bank"

H1I <ri)ar co-operative bank" H2I 'tate co-operative bank" H-I Di"trict co-operative bank"

 Or%aniBational "tructure of co-operative bank"

C,5,4.2/*&6.C2.?&* C2.?&* C,5,4.2/*&6. I0+*&*>*&,0 I0+*&*>*&,0 R>2/) C,5,4.2/*&6. C,5,4.2/*&6. R>2/) C2.?&*&0+*&*>*&,0 &0+*&*>*&,0 C2.?&* U27/0 C,5,4.2/*&6. C,5,4.2/*&6. U27/0 B/01 B/01

I0+*&*>*&,0 I0+*&*>*&,0
S(,2*T.28 T.28 S(,2* S*2>3*>2. S*2>3*>2. L,0'T.28 T.28 L,0' S*2>3*>2. S*2>3*>2.

S*/*. C,5,4.2/*&6. C,5,4.2/*&6. S*/*. B/01+ B/01+

S*/*.C,5,4.2/*&6. S*/*.C,5,4.2/*&6. A'2&3>)*>2.# #2>2/) 2>2/) A'2&3>)*>2. D.6.B/01 B/01 D.6.

D&+*2&3*3.0*2/) 3.0*2/) D&+*2&3* C,5,4.2/*&6. C,5,4.2/*&6. B/01+ B/01+

P2&8/2;3,,4.2/*&6. 3,,4.2/*&6. P2&8/2; /'2&3>)*>2.# # /'2&3>)*>2. R>2/)?.6. ?.6.B/01 B/01 R>2/)

P2&8/2;A'2&3>)*>2/) A'2&3>)*>2/) P2&8/2; C2.?&*S,3&.*&.+ S,3&.*&.+ C2.?&*

2.1; '!ot ,nal "i"

'TR8NGT0' CC-

Net N<, Oero "ince inception. <rofe""ional )ana%e)ent + Co-Operate tea) "pirit. 'tron% 5rand eJuit . 4ull co)puteriBation and ,uto)ation. Re"pectable rankin% and po"ition in GujaratL" top Co-Operative bank". <rofitabilit and "ound liJuidit . 5ranche" in all )o"t developed part" of 'aura"htra.

E8,6N8'' CC

7ack of )arketin% e*perti"e. 7ack of )odern )ana%e)ent concept". 'o)eti)e" co))unication %ap i" found !hich "i%n" lack of profe""ionali"). 7ack of "cheduled "tatu" !hich )a affect e*pan"ion of their bu"ine"". 7o!er volu)e of advance" due to hi%her rate or intere"t. 'tron% need for a )ore di"cipline"& ")ooth and "ophi"ticated. 8nviron)ent for !orkin% and cu"to)er "ervice.

OPPORUNITIES @@5
General in"urance bu"ine"" at hi%her level.

No. of branche" can be increa"ed in all overall "tate. ,fter %ettin% "cheduled "tatu" !e )a appl )ulti "tate bank to e*pand their bu"ine"". Introduction of variou" retail "ervice". Ta* con"ultanc can be provided b u"in% the "kill" of the profe""ional

per"onnel and e*perienced "enior".

T0R8,T'C-

Confidence cri"e" in the co-operative bankin% "ector can di"turb the bankL" pro%re"". Chan%e" in %ovt. rule" and re%ulation. Cut throat co)petition and entr of ne! forei%n bank and it" "ound financial "tructure.

2.1# <re"ent <o"ition Of RDC 5ank

PRESENT POESITION IN INDEX PERTICULARS 2%%$ .1. .2. .-. .=. .$. .A. .9. .;. .#. 1.. 11. 12. 'hare capital Re"erve + other fund Eorkin% capital Total depo"it" Total inve"t)ent Gro"" <rofit Net profit No. of branche" ,udit cla"" No. of e)plo ee" 7ocker 4acilit N<, 2$.1# crore" 129.#$ crore" 1=;; crore" #;2 crore" A9A crore" 2=.#$ crore" 21... crore" 1-1 / 0.O. 1,2 9;A 2= 0our" -A$ Da " 1.2 HO8ROI