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INDEX

2.1 INTRODUCTION

2.2 HISTORY OF RDC BANK

2.3 PROFILE OF THE BANK

2.4 LOGO

2.5 LIST OF BOARE OF DIRECTORS

2.6 BRANCH NETWORK

2.7 OBJECTIE OF RDCB

2.! ISION "ISSION # ALUES

2.$ AWARDS # CERTIFICATES

2.1% KEY INDICATIRS OF THE BANK

2.11 SERICES OF THE BANK

2.12 H&'()&'(*+ ,- *( B/0

2.14 P&0&)+ O- C,O/*& B/0

2.15 P,)8+ I0 C,O/*& B/0+

2.16 P+0* P,+&*&,0 O- RDC B/0

2.17 ORGANI9ATIONAL STRUCTURE OF COOPERATIE BANKS

2.1! S:,* A0/);+&+

2.1$ P+0* P,+&*&,0 O- RDC B/0

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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 co-

operative hero honor 'hri (ithalbhai Raddia !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 In the e)er%in% co)petitive bu"ine""

environ)ent Co-operative bank" !ho adhere to "trict financial di"cipline. Onl !ill

"urvive 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 ,>. 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

%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 i" available in $9 branche".

,)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

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1.;;? and finall )ar%in i" .2?. ,nd N.5e"t

,!ard. :erit certificate and price of R". $ lack"@ fro) la"t ear".

4ar)er" are need" to the )one for increa"in% their far) production at

different "ection like "eed"@ ne! )edicine"@ fertiliBer" and ne! technolo%. That all

the loan" are provided b Di"trict Co-Operative 5ank"& co))ercial and citiBen

bank.

2.

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Eorkin% Da" :onda to 'aturda.

Ti)in% 1 to $.

Eeekl Off 'unda.

5ranche" 11 5ranche"

,ccountin% 3ear 1"t,pril to 1"t:arch.

,uditor R.D.'hah

,ccountant" 5.:.'an%ani.

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2.= 7OGO

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

5O,RD O4 DIR8CTOR' 2

'hri (ithalbhai Radadia

HChair)an 'hri

'hre Ghan"ha)bhai 6hataria

'hri (a%hajibhai 5oda

'hri :a%anbhai Ghonia HDirecto 'hri

'hri Daabhai

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2.A 5R,NC0 N8TEOR6

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:I''ION

5e the :o"t

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

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2.1 683 INDIC,TOR' O4 T08 5,N6

particular 1$!41$$2

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(ehicle 7oan"

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

1 5ank !a" re%i"tered in 1#$# and have co))enced !orkin% in 1#A

2 5ank i" holdin% bu"ine"" licen"e No. R

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1$ 5ank ha" received five ti)e" in ra! the 5e"t

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1 ,vera%e !ork load per "taff durin% the ear !a" R".2.2 crore".

2 There are =$1

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== 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.

=$ Thi" bank i" the fir"t to launch :ahal*)i 'elf 0elp credit Card "che)e for

the )e)ber" of "elf help %roup" !ith the )otto %ettin% loan ")oothl fro)

the bank

2.14

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"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

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Co-operative" !ork for the "u"tainable develop)ent of their

co))unitL" throu%h policie" approved b their )e)ber".

2.1$

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$. 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.

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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: (

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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 co-

operative 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"

H1

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Or%aniBational "tructure of co-operative bank"

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C,,/*& C?&*

I0+*&*>*&,0

C,,/*& C?&*

I0+*&*>*&,0

R>/) C,,/*&

C?&* &0+*&*>*&,0

I0+*&*>*&,0

R>/) C,,/*&

C?&* &0+*&*>*&,0

I0+*&*>*&,0

U/0 C,,/*&

B/0

U/0 C,,/*&

B/0

S(,* T8

S*>*>

S(,* T8

S*>*>

L,0' T8

S*>*>

L,0' T8

S*>*>

S*/* C,,/*&

B/0+

S*/* C,,/*&

B/0+

D&+*&* 0*/)

C,,/*&

B/0+

D&+*&* 0*/)

C,,/*&

B/0+

P&8/; A'&>)*>/)

C?&* S,&*&+

P&8/; A'&>)*>/)

C?&* S,&*&+

S*/*C,,/*&

A'&>)*> # >/)

D. B/0

S*/*C,,/*&

A'&>)*> # >/)

D. B/0

P&8/; ,,/*&

/'&>)*> #

R>/) ?. B/0

P&8/; ,,/*&

/'&>)*> #

R>/) ?. B/0

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2.1; '!ot ,nal"i"

'TR8NGT0' -

Net N

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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'-

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.

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2.1#

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INDEX PERTICULARS

PRESENT POESITION IN

2%%$

1. 'hare capital 2$.1# crore"

2. Re"erve + other fund 129.#$ crore"

. Eorkin% capital 1=;; crore"

=. Total depo"it" #;2 crore"

$. Total inve"t)ent A9A crore"

A. Gro""

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