www.icmai.in:@0.075898:0.974748:0.201486:0.974748:0.201486:0.957721:0.075898:0.957721:0.015775:0.015775:0.015775:0.005780:0.006278:0.009118:0.016807:0.011271:0.006278:0.005780:0.006278:0.010674
May 2017:@0.510339:0.977730:0.595693:0.977730:0.595693:0.962447:0.510339:0.962447:0.015974:0.009606:0.010131:0.004740:0.011452:0.011452:0.011452:0.010547
47:@0.898987:0.980093:0.921782:0.980093:0.921782:0.958399:0.898987:0.958399:0.011940:0.010855
l  :@0.603419:0.976512:0.626517:0.976512:0.626517:0.965819:0.603419:0.965819:0.015197:0.004284:0.003618
The Management Accountant:@0.627196:0.977731:0.876926:0.977731:0.876926:0.962449:0.627196:0.962449:0.011452:0.011452:0.009009:0.004686:0.015974:0.010131:0.011452:0.009968:0.009787:0.009009:0.015974:0.009009:0.011452:0.006748:0.004686:0.013713:0.009009:0.009009:0.010131:0.011452:0.011452:0.006748:0.010131:0.011452:0.005843
Strategy 2 is also not a full proof concept for the branch to break even, hence there is need for to look at Strategy :@0.092308:0.131127:0.926817:0.131127:0.926817:0.115844:0.092308:0.115844:0.009226:0.005843:0.006802:0.009064:0.005843:0.008105:0.009226:0.009226:0.003383:0.010547:0.003383:0.004704:0.006965:0.003383:0.009226:0.004704:0.006965:0.009226:0.003383:0.010547:0.009226:0.005843:0.003383:0.009226:0.003383:0.004704:0.010547:0.004704:0.004704:0.003383:0.009226:0.006965:0.009226:0.009226:0.007019:0.003383:0.008105:0.009226:0.010547:0.008105:0.008105:0.009226:0.005843:0.003383:0.004704:0.009226:0.006965:0.003383:0.005843:0.010547:0.008105:0.003383:0.009226:0.006802:0.009226:0.010547:0.008105:0.010547:0.003383:0.005843:0.009226:0.003383:0.009226:0.006965:0.008105:0.009226:0.009226:0.003383:0.008105:0.008521:0.008105:0.010547:0.004704:0.003383:0.010547:0.008105:0.010547:0.008105:0.008105:0.003383:0.005843:0.010547:0.008105:0.006965:0.008105:0.003383:0.004704:0.006965:0.003383:0.010547:0.008105:0.008105:0.009226:0.003383:0.004704:0.009226:0.006965:0.003383:0.005843:0.009226:0.003383:0.004704:0.009226:0.009226:0.009226:0.003383:0.009064:0.005843:0.003383:0.009226:0.005843:0.006802:0.009064:0.005843:0.008105:0.009226:0.009226:0.003835
3, which is, improve (P – V), i.e. the Interest Margin available at the branch. The (P – V) at the break even point is::@0.076930:0.147102:0.922873:0.147102:0.922873:0.131819:0.076930:0.131819:0.010547:0.004704:0.003654:0.013243:0.010547:0.004704:0.008105:0.010547:0.003654:0.004704:0.006965:0.004704:0.003654:0.004704:0.015070:0.009226:0.006965:0.008756:0.008521:0.008105:0.003654:0.005843:0.010547:0.003654:0.009046:0.003654:0.011687:0.005843:0.004704:0.003654:0.004704:0.004704:0.007761:0.004704:0.003654:0.005843:0.010547:0.008105:0.003654:0.005843:0.010547:0.005843:0.008105:0.006965:0.008105:0.006965:0.005843:0.003654:0.015070:0.009226:0.006965:0.009226:0.004704:0.010547:0.003654:0.008521:0.008883:0.009226:0.004704:0.004704:0.008702:0.009226:0.004704:0.008105:0.003654:0.009064:0.005843:0.003654:0.005843:0.010547:0.008105:0.003654:0.009226:0.006802:0.009226:0.010547:0.008105:0.010547:0.004704:0.002931:0.010547:0.010547:0.008105:0.003654:0.005843:0.010547:0.003654:0.009046:0.003654:0.011687:0.005843:0.003654:0.009064:0.005843:0.003654:0.005843:0.010547:0.008105:0.003654:0.009226:0.006965:0.008105:0.009226:0.009226:0.003654:0.008105:0.008521:0.008105:0.010547:0.003654:0.009226:0.009226:0.004704:0.010547:0.005843:0.003654:0.004704:0.006965:0.004704
Qp = F’/ (P – V)’ :@0.207187:0.163076:0.331925:0.163076:0.331925:0.147794:0.207187:0.147794:0.011868:0.009226:0.003835:0.012067:0.003835:0.009226:0.004704:0.006965:0.003835:0.005843:0.010547:0.003835:0.009046:0.003835:0.011687:0.005843:0.004704:0.003835
Or, :@0.142058:0.179051:0.168001:0.179051:0.168001:0.163769:0.142058:0.163769:0.011868:0.005536:0.004704:0.003835
(P – V)’ = F’/ Qp = 38.93/ 1114 = 0.0349, i.e. an increase of 0.88% in interest margin will bring :@0.207187:0.179051:0.926347:0.179051:0.926347:0.163769:0.207187:0.163769:0.005825:0.010529:0.003256:0.009027:0.003256:0.011669:0.005825:0.004686:0.003256:0.012049:0.003256:0.009208:0.004686:0.006947:0.003256:0.011850:0.009208:0.003256:0.012049:0.003256:0.010529:0.010529:0.004686:0.010529:0.010529:0.006947:0.003256:0.010529:0.010529:0.010529:0.010529:0.003256:0.012049:0.003256:0.010529:0.004686:0.010529:0.010529:0.010529:0.010529:0.004686:0.003256:0.004686:0.004686:0.007743:0.004686:0.003256:0.009208:0.010529:0.003256:0.004686:0.010529:0.008087:0.006947:0.008087:0.009208:0.006947:0.008087:0.003256:0.009208:0.007001:0.003256:0.010529:0.004686:0.010529:0.010529:0.013930:0.003256:0.004686:0.010529:0.003256:0.004686:0.010529:0.005825:0.008087:0.006947:0.008087:0.006947:0.005825:0.003256:0.015052:0.009208:0.006947:0.009208:0.004686:0.010529:0.003256:0.013749:0.004686:0.004686:0.004686:0.003256:0.009208:0.006947:0.004686:0.010529:0.009226:0.003835
about the break even level for the branch without any increase in Business-Mix or Reduction in Fixed cost. :@0.076930:0.195026:0.876903:0.195026:0.876903:0.179743:0.076930:0.179743:0.008702:0.009226:0.009226:0.010547:0.005843:0.003835:0.005843:0.010547:0.008105:0.003835:0.009226:0.006965:0.008105:0.009226:0.009226:0.003835:0.008105:0.008521:0.008105:0.010547:0.003835:0.004704:0.008105:0.008521:0.008105:0.004704:0.003835:0.004704:0.009226:0.006965:0.003835:0.005843:0.010547:0.008105:0.003835:0.009226:0.006802:0.009226:0.010547:0.008105:0.010547:0.003835:0.013767:0.004704:0.005843:0.010547:0.009226:0.010547:0.005843:0.003835:0.009226:0.010023:0.009226:0.003835:0.004704:0.010547:0.008105:0.006965:0.008105:0.009226:0.006965:0.008105:0.003835:0.004704:0.010547:0.003835:0.010547:0.010547:0.006965:0.004704:0.010547:0.008105:0.006965:0.006965:0.005843:0.015070:0.004704:0.009226:0.003835:0.009226:0.006965:0.003835:0.010981:0.008105:0.009226:0.010547:0.008105:0.005843:0.004704:0.009226:0.010547:0.003835:0.004704:0.010547:0.003835:0.009226:0.004704:0.008937:0.008105:0.009226:0.003835:0.008105:0.009226:0.006965:0.005843:0.004704:0.003835
To pursue Strategy 3 is to do the following::@0.092308:0.211001:0.412974:0.211001:0.412974:0.195718:0.092308:0.195718:0.009299:0.009226:0.003835:0.009226:0.010547:0.007327:0.006965:0.010547:0.008105:0.003835:0.009226:0.005843:0.006802:0.009064:0.005843:0.008105:0.009226:0.009226:0.003835:0.010547:0.003835:0.004704:0.006965:0.003835:0.005843:0.009226:0.003835:0.009226:0.009226:0.003835:0.005843:0.010547:0.008105:0.003835:0.004704:0.009226:0.004704:0.004704:0.008883:0.013767:0.004704:0.010547:0.009226:0.004704
Increase the Yield on Advances by going for more High Quality High Yielding Advances and Reducing NPAs :@0.092308:0.226976:0.926455:0.226976:0.926455:0.211693:0.092308:0.211693:0.005952:0.010656:0.008231:0.007074:0.008213:0.009335:0.007074:0.008231:0.004740:0.005952:0.010656:0.008231:0.003654:0.011289:0.004812:0.008213:0.004812:0.009335:0.004740:0.009335:0.010656:0.004740:0.012935:0.008991:0.008991:0.009335:0.010656:0.008231:0.008213:0.007074:0.004740:0.008810:0.009335:0.004740:0.008648:0.009335:0.004812:0.010656:0.009335:0.004740:0.004812:0.009335:0.007074:0.004740:0.015178:0.009335:0.007074:0.008231:0.004740:0.012917:0.004812:0.009353:0.010656:0.004740:0.011976:0.010656:0.009353:0.004812:0.004812:0.005952:0.009335:0.004740:0.012917:0.004812:0.009335:0.010674:0.003654:0.011271:0.004830:0.008213:0.004812:0.009335:0.004812:0.010674:0.009335:0.004740:0.012917:0.008991:0.009009:0.009335:0.010656:0.008213:0.008231:0.007074:0.004740:0.009335:0.010674:0.009335:0.004740:0.011090:0.008231:0.009335:0.010656:0.008213:0.004830:0.010656:0.009335:0.004740:0.012917:0.007616:0.012917:0.006965:0.003835
(Increase CD Ratio).:@0.076930:0.242951:0.227069:0.242951:0.227069:0.227668:0.076930:0.227668:0.005843:0.005843:0.010547:0.008105:0.006965:0.008105:0.009226:0.006965:0.008105:0.003835:0.010547:0.011687:0.003835:0.011144:0.009064:0.005843:0.004704:0.009226:0.005843:0.004704
Reducing the Cost of Deposits by improving the Deposit-mix by going for more Low-No cost Deposits.:@0.092308:0.258925:0.846474:0.258925:0.846474:0.243643:0.092308:0.243643:0.010981:0.008105:0.009226:0.010547:0.008105:0.004704:0.010547:0.009226:0.003835:0.005843:0.010547:0.008105:0.003835:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.007019:0.003835:0.011687:0.008105:0.009226:0.009226:0.006965:0.004704:0.005843:0.006965:0.003835:0.008684:0.009226:0.003835:0.004704:0.015070:0.009226:0.006965:0.008756:0.009226:0.004704:0.010547:0.009226:0.003835:0.005843:0.010547:0.008105:0.003835:0.011687:0.008105:0.009226:0.009226:0.006965:0.004704:0.005843:0.005843:0.015070:0.004704:0.009226:0.003835:0.008684:0.009226:0.003835:0.008521:0.009226:0.004704:0.010547:0.009226:0.003835:0.004704:0.009226:0.006965:0.003835:0.015070:0.009226:0.006965:0.008105:0.003835:0.009226:0.008883:0.013767:0.005843:0.012809:0.009226:0.003835:0.008105:0.009226:0.006965:0.005843:0.003835:0.011687:0.008105:0.009226:0.009226:0.006965:0.004704:0.005843:0.006965:0.004704
In reality a combination of all the Three Strategies are required to be pursued.:@0.092308:0.274900:0.676815:0.274900:0.676815:0.259618:0.092308:0.259618:0.005843:0.010547:0.003835:0.006965:0.008105:0.009226:0.004704:0.004704:0.005843:0.009226:0.003835:0.009226:0.003835:0.008105:0.009226:0.015070:0.009226:0.004704:0.010547:0.009064:0.005843:0.004704:0.009226:0.010547:0.003835:0.009226:0.007019:0.003835:0.009226:0.004704:0.004704:0.003835:0.005843:0.010547:0.008105:0.003112:0.010547:0.010547:0.006965:0.008105:0.008105:0.003835:0.009226:0.005843:0.006802:0.009064:0.005843:0.008105:0.009226:0.004704:0.008105:0.006965:0.003835:0.009226:0.006965:0.008105:0.003835:0.006965:0.008105:0.009226:0.010547:0.004704:0.006965:0.008105:0.009226:0.003835:0.005843:0.009226:0.003835:0.009226:0.008105:0.003835:0.009226:0.010547:0.007327:0.006965:0.010547:0.008105:0.009226:0.004704
I: Increase Business-Mix by Rs378 lakhs:@0.272315:0.290875:0.610728:0.290875:0.610728:0.275446:0.272315:0.275446:0.006603:0.004903:0.004034:0.006603:0.011687:0.009226:0.008123:0.009425:0.009986:0.008105:0.009425:0.004034:0.012248:0.011488:0.008105:0.005663:0.011687:0.009425:0.008105:0.008105:0.006024:0.016590:0.005663:0.009606:0.004034:0.010258:0.009226:0.004034:0.012809:0.008105:0.011307:0.011307:0.011307:0.004034:0.005663:0.009986:0.011687:0.011687:0.008105
Zone of:@0.402571:0.386724:0.457442:0.386724:0.457442:0.371442:0.402571:0.371442:0.009226:0.009226:0.010547:0.008105:0.003835:0.009226:0.004704
Feasible:@0.402571:0.402699:0.462308:0.402699:0.462308:0.387416:0.402571:0.387416:0.008702:0.008105:0.009226:0.006965:0.004704:0.009226:0.004704:0.008105
Solutions:@0.402571:0.418674:0.473561:0.418674:0.473561:0.403391:0.402571:0.403391:0.009226:0.009226:0.004704:0.010547:0.005843:0.004704:0.009226:0.010547:0.006965
   II: Reduce Fixed Cost by Rs10 lakhs  :@0.092308:0.450624:0.406605:0.450624:0.406605:0.435195:0.092308:0.435195:0.004034:0.004034:0.004034:0.006603:0.006603:0.004903:0.004034:0.012049:0.009425:0.010746:0.011488:0.009226:0.009425:0.004034:0.010185:0.005663:0.009317:0.009425:0.010746:0.004034:0.012067:0.010366:0.008105:0.006965:0.004034:0.010258:0.009226:0.004034:0.012809:0.008105:0.011307:0.011307:0.004034:0.005663:0.009986:0.011687:0.011687:0.008105:0.000507:0.004034
III: Improve Interest Margin 0.88%:@0.467699:0.450624:0.761192:0.450624:0.761192:0.435195:0.467699:0.435195:0.006603:0.006603:0.006603:0.004903:0.004034:0.006603:0.016210:0.010547:0.008286:0.009914:0.008973:0.009425:0.004034:0.006603:0.011687:0.006965:0.009425:0.008123:0.009425:0.008105:0.006965:0.004034:0.016590:0.009986:0.008123:0.009805:0.005663:0.011687:0.004034:0.011307:0.004903:0.011307:0.011307:0.014708
Hence for the Branch has a combination of above three Strategies I, II and III, depending on the SWOT of the :@0.092308:0.482573:0.926944:0.482573:0.926944:0.467291:0.092308:0.467291:0.012809:0.008105:0.010547:0.008105:0.008105:0.004541:0.004704:0.009226:0.006965:0.004523:0.005843:0.010547:0.008105:0.004541:0.010547:0.006802:0.009226:0.010547:0.008105:0.010547:0.004523:0.010547:0.009226:0.006965:0.004541:0.009226:0.004541:0.008105:0.009226:0.015070:0.009226:0.004704:0.010547:0.009064:0.005843:0.004704:0.009226:0.010547:0.004541:0.009226:0.007019:0.004541:0.008702:0.009226:0.008756:0.008521:0.008105:0.004541:0.005843:0.010547:0.006965:0.008105:0.008105:0.004523:0.009226:0.005843:0.006802:0.009064:0.005843:0.008105:0.009226:0.004704:0.008105:0.006965:0.004541:0.005843:0.004704:0.004541:0.005843:0.005843:0.004523:0.009226:0.010547:0.009226:0.004541:0.005843:0.005843:0.005843:0.004704:0.004541:0.009226:0.008105:0.009226:0.008105:0.010547:0.009226:0.004704:0.010547:0.009226:0.004523:0.009226:0.010547:0.004541:0.005843:0.010547:0.008105:0.004523:0.009226:0.017006:0.011868:0.010547:0.004541:0.009226:0.007019:0.004523:0.005843:0.010547:0.008105:0.003835
Branch, it can work out the following possibilities::@0.076930:0.498548:0.452485:0.498548:0.452485:0.483266:0.076930:0.483266:0.010547:0.006802:0.009226:0.010547:0.008105:0.010547:0.004704:0.003835:0.004704:0.005843:0.003835:0.008105:0.009226:0.010547:0.003835:0.013062:0.009226:0.006965:0.009226:0.003835:0.009226:0.010547:0.005843:0.003835:0.005843:0.010547:0.008105:0.003835:0.004704:0.009226:0.004704:0.004704:0.008883:0.013767:0.004704:0.010547:0.009226:0.003835:0.009226:0.009226:0.006965:0.006965:0.004704:0.009226:0.004704:0.004704:0.004704:0.005843:0.004704:0.008105:0.006965:0.004704
1. Increase Business Mix say by 15% i.e. 15% of Rs1114 or Rs170 lakhs of additional business mix over the :@0.087188:0.514523:0.927577:0.514523:0.927577:0.499240:0.087188:0.499240:0.010674:0.004830:0.004758:0.005970:0.010674:0.008231:0.007092:0.008231:0.009353:0.007092:0.008231:0.004758:0.010674:0.010674:0.007092:0.004830:0.010674:0.008231:0.007092:0.007092:0.004758:0.015197:0.004830:0.009353:0.004758:0.007092:0.008828:0.009353:0.004758:0.008810:0.009353:0.004758:0.010674:0.010674:0.014075:0.004758:0.004830:0.004830:0.007888:0.004830:0.004758:0.010674:0.010674:0.014075:0.004758:0.009353:0.007146:0.004758:0.011814:0.007092:0.010674:0.010674:0.010674:0.010674:0.004758:0.009353:0.007092:0.004758:0.011814:0.007092:0.010674:0.010674:0.010674:0.004758:0.004830:0.009353:0.009353:0.010674:0.007092:0.004758:0.009353:0.007146:0.004758:0.009353:0.009534:0.009353:0.004830:0.005970:0.004830:0.009353:0.010674:0.009353:0.004830:0.004758:0.009353:0.010674:0.007092:0.004830:0.010674:0.008231:0.007092:0.007092:0.004758:0.015197:0.004830:0.009353:0.004758:0.008883:0.008648:0.008231:0.007092:0.004758:0.005970:0.010674:0.008105:0.003835
previous year, which could be  little higher than the previous years;:@0.107703:0.530498:0.611705:0.530498:0.611705:0.515215:0.107703:0.515215:0.009226:0.006965:0.008105:0.009226:0.004704:0.009226:0.010547:0.006965:0.003835:0.008521:0.008105:0.009226:0.005536:0.004704:0.003835:0.013243:0.010547:0.004704:0.008105:0.010547:0.003835:0.008105:0.009226:0.010547:0.004704:0.009226:0.003835:0.009226:0.008105:0.003835:0.003835:0.004704:0.004704:0.005843:0.005843:0.004704:0.008105:0.003835:0.010547:0.004704:0.009226:0.010547:0.008105:0.006965:0.003835:0.005843:0.010547:0.009226:0.010547:0.003835:0.005843:0.010547:0.008105:0.003835:0.009226:0.006965:0.008105:0.009226:0.004704:0.009226:0.010547:0.006965:0.003835:0.008521:0.008105:0.009226:0.007327:0.006965:0.004704
2. Reduce the Fixed Cost by Rs5 lakhs by increasing Non-interest income, along with transfer of one MMG III :@0.087188:0.546473:0.926509:0.546473:0.926509:0.531190:0.087188:0.531190:0.010583:0.004740:0.004649:0.011018:0.008141:0.009263:0.010583:0.008141:0.008141:0.004649:0.005880:0.010583:0.008141:0.004649:0.009263:0.004740:0.008973:0.008141:0.009263:0.004649:0.010583:0.009263:0.007001:0.005880:0.004649:0.008720:0.009263:0.004649:0.011723:0.007001:0.010583:0.004649:0.004740:0.009263:0.009263:0.010583:0.007001:0.004649:0.008720:0.009263:0.004649:0.004740:0.010583:0.008141:0.007001:0.008141:0.009263:0.007001:0.004740:0.010583:0.009263:0.004649:0.012845:0.009263:0.010583:0.005880:0.004740:0.010583:0.005880:0.008141:0.007001:0.008141:0.007001:0.005880:0.004649:0.004740:0.010583:0.008141:0.009263:0.015106:0.007797:0.004740:0.004649:0.009263:0.004740:0.009263:0.010583:0.009263:0.004649:0.013804:0.004740:0.005880:0.010583:0.004649:0.005880:0.006838:0.009263:0.010583:0.007001:0.004921:0.008141:0.007001:0.004649:0.009263:0.007056:0.004649:0.009263:0.010583:0.008141:0.004649:0.015106:0.015106:0.011723:0.004649:0.005880:0.005880:0.005843:0.003835
officer from the branch and cost reduction by 10 % in overheads; and:@0.107703:0.562448:0.625708:0.562448:0.625708:0.547165:0.107703:0.547165:0.009226:0.004704:0.004613:0.004613:0.008105:0.008105:0.006965:0.003835:0.004704:0.006965:0.009226:0.015070:0.003835:0.005843:0.010547:0.008105:0.003835:0.009226:0.006802:0.009226:0.010547:0.008105:0.010547:0.003835:0.009226:0.010547:0.009226:0.003835:0.008105:0.009226:0.006965:0.005843:0.003835:0.006965:0.008105:0.009226:0.010547:0.008105:0.005843:0.004704:0.009226:0.010547:0.003835:0.008684:0.009226:0.003835:0.010547:0.010547:0.003835:0.013948:0.003835:0.004704:0.010547:0.003835:0.008756:0.008521:0.008105:0.006965:0.010547:0.008105:0.009226:0.009226:0.006965:0.004704:0.003835:0.009226:0.010547:0.009226
3. Improve Interest margin from existing 0.0261 to 0.03, and increase CD ratio from present 8% to 20%:@0.087188:0.578422:0.868509:0.578422:0.868509:0.563140:0.087188:0.563140:0.010547:0.004704:0.003835:0.005843:0.015070:0.009226:0.006965:0.008756:0.008521:0.008105:0.003835:0.005843:0.010547:0.005843:0.008105:0.006965:0.008105:0.006965:0.005843:0.003835:0.015070:0.009226:0.006965:0.009226:0.004704:0.010547:0.003835:0.004704:0.006965:0.009226:0.015070:0.003835:0.007761:0.009226:0.004704:0.006965:0.005843:0.004704:0.010547:0.009226:0.003835:0.010547:0.004704:0.010547:0.010547:0.010547:0.010547:0.003835:0.005843:0.009226:0.003835:0.010547:0.004704:0.010547:0.010547:0.004704:0.003835:0.009226:0.010547:0.009226:0.003835:0.004704:0.010547:0.008105:0.006965:0.008105:0.009226:0.006965:0.008105:0.003835:0.010547:0.011687:0.003835:0.006802:0.009064:0.005843:0.004704:0.009226:0.003835:0.004704:0.006965:0.009226:0.015070:0.003835:0.009226:0.006965:0.008105:0.006965:0.008105:0.010547:0.005843:0.003835:0.010547:0.013948:0.003835:0.005843:0.009226:0.003835:0.010547:0.010547:0.013948
The Branch will earn a profit of::@0.092308:0.610372:0.331817:0.610372:0.331817:0.595089:0.092308:0.595089:0.010547:0.010547:0.008105:0.003835:0.010547:0.006802:0.009226:0.010547:0.008105:0.010547:0.003835:0.013767:0.004704:0.004704:0.004704:0.003835:0.008105:0.009226:0.007417:0.010547:0.003835:0.009226:0.003835:0.009226:0.006965:0.009226:0.004613:0.004613:0.005843:0.003835:0.009226:0.004704:0.004704
Profit   = Q’’(P – V)’’ – F’’:@0.207187:0.626347:0.400545:0.626347:0.400545:0.611064:0.207187:0.611064:0.010547:0.006965:0.009226:0.004613:0.004613:0.005843:0.003835:0.003835:0.015649:0.012067:0.003835:0.011868:0.003256:0.004704:0.005843:0.010547:0.003835:0.009046:0.003835:0.011687:0.005843:0.003256:0.004704:0.003835:0.009046:0.003835:0.009226:0.003256:0.004704
= [1114 + 170][0.03] – [38.93 – 5.00]:@0.092308:0.642322:0.389853:0.642322:0.389853:0.627039:0.092308:0.627039:0.012067:0.003835:0.005843:0.010547:0.010547:0.010547:0.010547:0.003835:0.012067:0.003835:0.010547:0.010547:0.010547:0.005843:0.005843:0.010547:0.004704:0.010547:0.010547:0.005843:0.003835:0.009046:0.003835:0.005843:0.010547:0.010547:0.004704:0.010547:0.010547:0.003835:0.009046:0.003835:0.010547:0.004704:0.010547:0.010547:0.005843
= 38.52 – 33.93:@0.272315:0.658297:0.398718:0.658297:0.398718:0.643014:0.272315:0.643014:0.012067:0.003835:0.010547:0.010547:0.004704:0.010547:0.010547:0.003835:0.009046:0.003835:0.010547:0.010547:0.004704:0.010547:0.010547
= Rs4.59 lakhs :@0.272315:0.674271:0.391554:0.674271:0.391554:0.658989:0.272315:0.658989:0.012067:0.003835:0.011687:0.006965:0.010547:0.004704:0.010547:0.010547:0.003835:0.004704:0.009226:0.009226:0.010547:0.006965:0.075707
Activity Wise Costing Initiatives::@0.092308:0.706221:0.365376:0.706221:0.365376:0.690792:0.092308:0.690792:0.012628:0.009226:0.006965:0.005500:0.009425:0.005663:0.006965:0.009226:0.004034:0.017078:0.005663:0.008105:0.009425:0.004034:0.012067:0.010366:0.008105:0.006965:0.005663:0.011687:0.009805:0.004034:0.006603:0.011687:0.005663:0.006965:0.005663:0.009986:0.006965:0.005500:0.008973:0.009425:0.008105:0.004903
Sometime in 195-96 the Reserve Bank of India directed banks to conduct an ongoing costing exercise and apprize :@0.092308:0.722196:0.926401:0.722196:0.926401:0.706913:0.092308:0.706913:0.009100:0.009100:0.014943:0.007978:0.005717:0.004577:0.014943:0.007978:0.003094:0.004577:0.010421:0.003094:0.010421:0.010421:0.010421:0.005717:0.010421:0.010421:0.003094:0.005717:0.010421:0.007978:0.003094:0.010855:0.007978:0.006838:0.007978:0.007363:0.008394:0.007978:0.003094:0.010421:0.009100:0.010421:0.009100:0.003094:0.009100:0.006893:0.003094:0.005717:0.010421:0.009100:0.004577:0.009100:0.003094:0.009100:0.004577:0.006838:0.007978:0.007978:0.005717:0.007978:0.009100:0.003094:0.009100:0.009100:0.010421:0.009100:0.006838:0.003094:0.005717:0.009100:0.003094:0.007978:0.009100:0.010421:0.009100:0.010421:0.007978:0.005717:0.003094:0.009100:0.010421:0.003094:0.009100:0.010421:0.008394:0.009100:0.004577:0.010421:0.009100:0.003094:0.007978:0.009100:0.006838:0.005717:0.004577:0.010421:0.009100:0.003094:0.007634:0.008810:0.007978:0.006838:0.007978:0.004577:0.006838:0.007978:0.003094:0.009100:0.010421:0.009100:0.003094:0.008937:0.009100:0.009100:0.006838:0.004577:0.007435:0.008105:0.003835
the Reserve Bank of the results of such studies at periodical intervals. The objectives of the study were::@0.076930:0.738171:0.845280:0.738171:0.845280:0.722888:0.076930:0.722888:0.005843:0.010547:0.008105:0.003835:0.010981:0.008105:0.006965:0.008105:0.007490:0.008521:0.008105:0.003835:0.010547:0.009226:0.010547:0.009226:0.003835:0.009226:0.007019:0.003835:0.005843:0.010547:0.008105:0.003835:0.006965:0.008105:0.006965:0.010547:0.004704:0.005843:0.006965:0.003835:0.009226:0.007019:0.003835:0.006965:0.010547:0.008105:0.010547:0.003835:0.006965:0.005843:0.010547:0.009226:0.004704:0.008105:0.006965:0.003835:0.009064:0.005843:0.003835:0.009226:0.008105:0.006965:0.004704:0.009226:0.009226:0.004704:0.008105:0.009226:0.004704:0.003835:0.004704:0.010547:0.005843:0.008105:0.007490:0.008883:0.009226:0.004704:0.006965:0.004704:0.003112:0.010547:0.010547:0.008105:0.003835:0.009226:0.009226:0.004704:0.008105:0.008105:0.005843:0.004360:0.008521:0.008105:0.006965:0.003835:0.009226:0.007019:0.003835:0.005843:0.010547:0.008105:0.003835:0.006965:0.005843:0.010547:0.009064:0.009226:0.003835:0.013062:0.008105:0.006965:0.008105:0.004704
1. To analyze cost trends for cost control;:@0.087188:0.754146:0.393308:0.754146:0.393308:0.738863:0.087188:0.738863:0.010547:0.004704:0.003112:0.009299:0.009226:0.003835:0.009226:0.010547:0.009226:0.004179:0.009226:0.007562:0.008105:0.003835:0.008105:0.009226:0.006965:0.005843:0.003835:0.005843:0.006965:0.008105:0.010547:0.009226:0.006965:0.003835:0.004704:0.009226:0.006965:0.003835:0.008105:0.009226:0.006965:0.005843:0.003835:0.008105:0.009226:0.010547:0.005843:0.006965:0.009226:0.004704:0.004704
2. To enable comparison of cost results of the bank with the industry level and to take necessary corrective :@0.087188:0.770121:0.927161:0.770121:0.927161:0.754838:0.087188:0.754838:0.010710:0.004867:0.004342:0.009462:0.009389:0.005066:0.008268:0.010710:0.008865:0.009389:0.004867:0.008268:0.005066:0.008268:0.009389:0.015233:0.009389:0.009389:0.007128:0.004867:0.007128:0.009389:0.010710:0.005066:0.009389:0.007182:0.005066:0.008268:0.009389:0.007128:0.006006:0.005066:0.007128:0.008268:0.007128:0.010710:0.004867:0.006006:0.007128:0.005066:0.009389:0.007182:0.005066:0.006006:0.010710:0.008268:0.005066:0.009389:0.009389:0.010710:0.009389:0.005066:0.013930:0.004867:0.006006:0.010710:0.005066:0.006006:0.010710:0.008268:0.005066:0.004867:0.010710:0.009389:0.010710:0.007128:0.006006:0.007490:0.009389:0.005066:0.004867:0.008268:0.008684:0.008268:0.004867:0.005066:0.009389:0.010710:0.009389:0.005066:0.006006:0.009389:0.005066:0.006006:0.009389:0.008847:0.008268:0.005066:0.010710:0.008268:0.008268:0.008268:0.007128:0.007128:0.009389:0.007490:0.009389:0.005066:0.008268:0.009389:0.007761:0.007128:0.008268:0.008268:0.006006:0.004523:0.008684:0.008105:0.003835
measures to control avoidable cost; :@0.107703:0.786095:0.374295:0.786095:0.374295:0.770813:0.107703:0.770813:0.015070:0.008105:0.009226:0.006965:0.010547:0.006965:0.008105:0.006965:0.003835:0.005843:0.009226:0.003835:0.008105:0.009226:0.010547:0.005843:0.006965:0.009226:0.004704:0.003835:0.008521:0.008521:0.009226:0.004704:0.009226:0.008702:0.009226:0.004704:0.008105:0.003835:0.008105:0.009226:0.006965:0.005843:0.004704:0.003835
3. To appropriately price various services offered by the banks;:@0.087188:0.802070:0.553271:0.802070:0.553271:0.786788:0.087188:0.786788:0.010547:0.004704:0.003112:0.009299:0.009226:0.003835:0.009064:0.009226:0.009226:0.006965:0.009226:0.009226:0.006965:0.004704:0.009064:0.005843:0.008105:0.004179:0.009226:0.003835:0.009226:0.006965:0.004704:0.008105:0.008105:0.003835:0.008883:0.009226:0.006965:0.004704:0.009226:0.010547:0.006965:0.003835:0.006965:0.008105:0.007490:0.009226:0.004704:0.008105:0.008105:0.006965:0.003835:0.009226:0.005391:0.004885:0.008105:0.006965:0.008105:0.009226:0.003835:0.008684:0.009226:0.003835:0.005843:0.010547:0.008105:0.003835:0.009226:0.009226:0.010547:0.009226:0.006965:0.004704
4. T0 enable systematic profitability analysis for finding out the cost of concessions offered to customers;:@0.087188:0.818045:0.868419:0.818045:0.868419:0.802762:0.087188:0.802762:0.010547:0.004704:0.003112:0.010547:0.010547:0.003835:0.008105:0.010547:0.008702:0.009226:0.004704:0.008105:0.003835:0.006965:0.009226:0.006965:0.005843:0.008105:0.015070:0.009064:0.005843:0.004704:0.008105:0.003835:0.009226:0.006965:0.009226:0.004613:0.004613:0.005843:0.008702:0.009226:0.004704:0.004704:0.004704:0.005843:0.009226:0.003835:0.009226:0.010547:0.009226:0.004179:0.009226:0.006965:0.004704:0.006965:0.003835:0.004704:0.009226:0.006965:0.003835:0.004613:0.004613:0.010547:0.009226:0.004704:0.010547:0.009226:0.003835:0.009226:0.010547:0.005843:0.003835:0.005843:0.010547:0.008105:0.003835:0.008105:0.009226:0.006965:0.005843:0.003835:0.009226:0.007019:0.003835:0.008105:0.009226:0.010547:0.008105:0.008105:0.006965:0.006965:0.004704:0.009226:0.010547:0.006965:0.003835:0.009226:0.005391:0.004885:0.008105:0.006965:0.008105:0.009226:0.003835:0.005843:0.009226:0.003835:0.008105:0.010547:0.006965:0.005843:0.009226:0.015070:0.008105:0.007327:0.006965:0.004704
5. T0 facilitate cost-benefit analysis of different ; and undertaken by the bank;:@0.087188:0.834020:0.669470:0.834020:0.669470:0.818737:0.087188:0.818737:0.010547:0.004704:0.003112:0.010547:0.010547:0.003835:0.004885:0.009226:0.008105:0.004704:0.004704:0.004704:0.005843:0.009064:0.005843:0.008105:0.003835:0.008105:0.009226:0.006965:0.005843:0.005843:0.009226:0.008105:0.010547:0.008105:0.004613:0.004613:0.005843:0.003835:0.009226:0.010547:0.009226:0.004179:0.009226:0.006965:0.004704:0.006965:0.003835:0.009226:0.007019:0.003835:0.009226:0.004704:0.005391:0.004885:0.008105:0.006965:0.008105:0.010547:0.005843:0.003835:0.004704:0.003835:0.009226:0.010547:0.009226:0.003835:0.010547:0.010547:0.009226:0.008105:0.007490:0.005843:0.009226:0.008684:0.008105:0.010547:0.003835:0.008684:0.009226:0.003835:0.005843:0.010547:0.008105:0.003835:0.009226:0.009226:0.010547:0.009226:0.004704
6. To aid critical review of bank’s systems and procedures; and:@0.087188:0.849995:0.556057:0.849995:0.556057:0.834712:0.087188:0.834712:0.010547:0.004704:0.003112:0.009299:0.009226:0.003835:0.009226:0.004704:0.009226:0.003835:0.008105:0.006965:0.004704:0.005843:0.004704:0.008105:0.009226:0.004704:0.003835:0.006965:0.008105:0.009226:0.004704:0.008105:0.013767:0.003835:0.009226:0.007019:0.003835:0.009226:0.009226:0.010547:0.009226:0.004360:0.006965:0.003835:0.006965:0.009226:0.006965:0.005843:0.008105:0.015070:0.006965:0.003835:0.009226:0.010547:0.009226:0.003835:0.009226:0.006965:0.009226:0.008105:0.008105:0.009226:0.010547:0.006965:0.008105:0.006965:0.004704:0.003835:0.009226:0.010547:0.009226
7. To work out break-even analysis of bank’s various services/ activities.:@0.087188:0.865970:0.628331:0.865970:0.628331:0.850687:0.087188:0.850687:0.010547:0.004704:0.003112:0.009299:0.009226:0.003835:0.013062:0.009226:0.006965:0.009226:0.003835:0.009226:0.010547:0.005843:0.003835:0.009226:0.006965:0.008105:0.009226:0.009226:0.005843:0.008105:0.008521:0.008105:0.010547:0.003835:0.009226:0.010547:0.009226:0.004179:0.009226:0.006965:0.004704:0.006965:0.003835:0.009226:0.007019:0.003835:0.009226:0.009226:0.010547:0.009226:0.004360:0.006965:0.003835:0.008883:0.009226:0.006965:0.004704:0.009226:0.010547:0.006965:0.003835:0.006965:0.008105:0.007490:0.009226:0.004704:0.008105:0.008105:0.006965:0.006965:0.003835:0.009226:0.008105:0.005843:0.004360:0.009226:0.004704:0.005843:0.004704:0.008105:0.006965:0.004704
The cost of each activity is generated in terms of three indicators as under:-:@0.092308:0.897919:0.658633:0.897919:0.658633:0.882637:0.092308:0.882637:0.010547:0.010547:0.008105:0.003835:0.008105:0.009226:0.006965:0.005843:0.003835:0.009226:0.007019:0.003835:0.008105:0.009226:0.008105:0.010547:0.003835:0.009226:0.008105:0.005843:0.004360:0.009226:0.004704:0.005843:0.009226:0.003835:0.004704:0.006965:0.003835:0.008883:0.008105:0.010547:0.008105:0.006802:0.009064:0.005843:0.008105:0.009226:0.003835:0.004704:0.010547:0.003835:0.005843:0.008105:0.007128:0.015070:0.006965:0.003835:0.009226:0.007019:0.003835:0.005843:0.010547:0.006965:0.008105:0.008105:0.003835:0.004704:0.010547:0.009226:0.004704:0.008105:0.009064:0.005843:0.009226:0.007327:0.006965:0.003835:0.009226:0.006965:0.003835:0.010547:0.010547:0.009226:0.008105:0.006965:0.004704:0.005843
(i)  Cost per voucher, i.e., cost per credit/debit entries;:@0.087188:0.913894:0.484235:0.913894:0.484235:0.898612:0.087188:0.898612:0.005843:0.004704:0.005843:0.003835:0.003835:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.008521:0.009226:0.010547:0.008105:0.010547:0.008105:0.005536:0.004704:0.003835:0.004704:0.004704:0.007761:0.004704:0.004704:0.003835:0.008105:0.009226:0.006965:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.008105:0.006965:0.008105:0.009226:0.004704:0.005843:0.006965:0.009226:0.008105:0.009226:0.004704:0.005843:0.003835:0.008105:0.010547:0.005843:0.006965:0.004704:0.008105:0.006965:0.004704