KeyFinancials

Name of the DCCB: The Anantapur District Co-operative Central Bank Ltd., Anantapuramu
KEY FINANCIAL PARAMETERS (Rs. in lakhs)
Particulars 3/31/2013 31.03.2014 31.03.2015 31.03.2016 31.03.2017 31.03.2018
Owned Funds 23461.03 22261.79 22351.31 22231.89 22500.66 22544.72
Share Capital 4843.25 4854.59 4863.51 5533.63 6331.38 6485.57
of whom from State Govt. 196.05 196.05 197.64 197.64 197.64 0.00
Reserves and other Funds/Provisions 18617.78 17407.20 17487.80 16698.26 16169.28 16059.15
DEPOSITS (Total) 19713.30 20299.65 26826.99 28971.52 33727.53 36646.92
Demand Deposits 3141.16 3359.92 6995.68 5439.84 7739.98 8800.93
Term Deposits 16572.14 16939.73 19831.31 23531.68 25987.55 27845.99
Borrowings Outstanding(Total) 29627.63 32000.00 28601.73 31428.11 39408.11 39234.64
from NABARD
from APCOB 29627.63 27591.87 28101.64 30816.21 38796.21 38744.44
from Others 1361.16 500.09 611.9 611.90 490.20
Investments (Total) 13211.67 14177.18 23295.39 25283.98 30913.55 35345.71
SLR 13211.67 14177.18 19086.34 18137.1 28550.77 32713.06
Non SLR 222.60 241.81 2362.78 2362.65
Government Securities 0 0.00 2307.59 5226.2 8200.00 9243.63
Bonds 400.23 400.23
Others 1278.64 1278.64 20350.77 23469.43
Loans Issued(Total) 67066.09 72200.00 37279.09 57954.36 66433.16 70737.54
Short Term/ SAO 48667.17 50000.00 26821.26 47280.44 53304.51 56504.23
Short Term Others 18392.40 22000.00 10415.18 10053.33 12435.92 13219.32
Medium Term-Agriculture
Medium Term-Non-Agriculture
Long Term – Agriculture 6.52 100.00 42.65 617.39 685.00 261.52
Long Term – Non-Agriculture 100.00 0.00 3.2 7.73 752.47
Others
Loans & amp; Advances Outstanding (Total) 60296.19 57100.59 52577.71 55544.73 55584.29 57674.47
Short Term /SAO 30372.71 29772.47 27351.48 34564.79 30910.30 31689.74
Short Term Others 19720.63 18425.27 17703.12 13717.2 17180.59 12159.23
Medium Term-Agriculture
Medium Term-Non-Agriculture
Long Term – Agriculture 10157.42 8857.32 7478.80 7187.75 6553.08 7010.27
Long Term – Non-Agriculture 45.43 45.53 44.31 74.99 940.32 6815.23
Others
Working Capital (1+2+3) 54184.18 57154.24 60292.23 54178.74
Recovery Performance
% of recovery to Demand (July-June) 62.02 68.00 65.00 53.00 54.50 67.41
Classification of Assets (as per prudential norms)
Standard 48565.60 45246.59 42763.13 45712.47 44708.89 46258.78
Substandard 5844.76 5655.07 2476.93 3018.72 601.99 979.01
Doubtful Assets 4593.46 4906.54 6045.27 5524.39 6263.91 6406.84
Loss Assets 1292.38 1292.38 1292.38 1289.05 4009.50 4029.85
Total impaired Assets (2+3+4) 11730.60 11853.99 9814.58 9832.16 10875.40 11415.70
Total impaired Assets as %
To total Assets 12.46 15.38 12.83 12.26 10.77 10.82
To total Loan outstanding 19.45 20.76 18.92 17.7 19.57 19.79
Cost and Margins (as % to Working Capital)
Average of cost of funds 4.00 4.25 4.10 4.25 6.30 6.27
Average yield on Assets 5.17 5.40 5.50 6.00 7.80 7.45
Net Financial Margin 1.17 1.25 1.40 1.75 1.50 1.18
Cost of Management 1.33 1.10 1.25 1.25 1.35 1.17
Risk Cost 0.10 0.10 0.10 0.10 0.10
Net Margin (3-4) -0.16 0.05 0.05 0.08 0.13 0.01
Working Results
Annual Profit (+)/Loss(-) 168.52 169.62 501.62 395.16 50.62 15.32
Accumulated losses if any -875.37 -705.75 204.12 0 0.00 0.00
Branches 28 28 28 28 28.00 28.00
Employees 180 180 180 150 146.00 144.00
Per Branch Productivity 2153.44 2039.31 1877.78 3018.44 3189.71 3368.62
Per Employee Productivity 334.98 317.23 292.10 563.44 610.00 655.04
CRAR 7.03 7.33 9.76 9.99 10.07 12.01