| 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 | 31.03.2019 | 31.03.2020 | 31.03.2021 | 31.03.2022 |
| Owned Funds | 23461.03 | 22261.79 | 22351.31 | 22231.89 | 22500.66 | 22544.72 | 22959.90 | 22443.49 | 30894.41 | 34978.81 |
| Share Capital | 4843.25 | 4854.59 | 4863.51 | 5533.63 | 6331.38 | 6485.57 | 6960.09 | 7243.46 | 7881.98 | 10450.67 |
| of whom from State Govt. | 196.05 | 196.05 | 197.64 | 197.64 | 197.64 | 0.00 | 0.00 | 0.00 | 0.00 | 2000.00 |
| Reserves and other Funds/Provisions | 18617.78 | 17407.20 | 17487.80 | 16698.26 | 16169.28 | 16059.15 | 15999.81 | 15200.03 | 23012.43 | 24528.14 |
| DEPOSITS (Total) | 19713.30 | 20299.65 | 26826.99 | 28971.52 | 33727.53 | 36646.92 | 41414.15 | 39388.38 | 45567.7 | 52835.67 |
| Demand Deposits | 3141.16 | 3359.92 | 6995.68 | 5439.84 | 7739.98 | 8800.93 | 13181.99 | 10577.6 | 14201.65 | 16243.90 |
| Term Deposits | 16572.14 | 16939.73 | 19831.31 | 23531.68 | 25987.55 | 27845.99 | 28232.16 | 28810.78 | 31366.05 | 36591.77 |
| Borrowings Outstanding(Total) | 29627.63 | 32000.00 | 28601.73 | 31428.11 | 39408.11 | 39234.64 | 40581.31 | 37137.18 | 42487.59 | 68822.98 |
| from NABARD | ||||||||||
| from APCOB | 29627.63 | 27591.87 | 28101.64 | 30816.21 | 38796.21 | 38744.44 | 40204.06 | 36669.33 | 42019.75 | 688355.13 |
| from Others | 1361.16 | 500.09 | 611.9 | 611.90 | 490.20 | 377.25 | 467.85 | 467.85 | 467.85 | |
| Investments (Total) | 13211.67 | 14177.18 | 23295.39 | 25283.98 | 30913.55 | 35345.71 | 37081.92 | 27414.59 | 26419.03 | 45849.03 |
| FDs with Banks | 13211.67 | 14177.18 | 19086.34 | 18137.1 | 28550.77 | 32713.06 | 24808.05 | 15094.41 | 13779.97 | 29469.89 |
| Non SLR | 222.60 | 241.81 | 2362.78 | 2632.65 | 2877.23 | 2810.4 | 2019.37 | 3023.37 | ||
| Government Securities | 0 | 0.00 | 2307.59 | 5226.2 | 8200.00 | 9243.63 | 9396.64 | 9509.78 | 10619.69 | 13355.77 |
| Bonds | 400.23 | 400.23 | 0.00 | |||||||
| Others | 1278.64 | 1278.64 | 20350.77 | 23469.43 | 0.00 | |||||
| Loans Issued(Total) | 67066.09 | 72200.00 | 37279.09 | 57954.36 | 66433.16 | 70737.54 | 71088.57 | 85432.05 | 106842.82 | 120548.99 |
| Short Term/ SAO | 48667.17 | 50000.00 | 26821.26 | 47280.44 | 53304.51 | 56504.23 | 56815.80 | 71215.34 | 78913.00 | 82305.30 |
| Short Term Others | 18392.40 | 22000.00 | 10415.18 | 10053.33 | 12435.92 | 13219.32 | 11945.77 | 10177.53 | 24148.7 | 35691.85 |
| Medium Term-Agriculture | 0.00 | 0.00 | 0.00 | |||||||
| Medium Term-Non-Agriculture | 0.00 | 0.00 | 0.00 | |||||||
| Long Term – Agriculture | 6.52 | 100.00 | 42.65 | 617.39 | 685.00 | 261.52 | 306.23 | 900.89 | 1070.11 | 773.14 |
| Long Term – Non-Agriculture | 100.00 | 0.00 | 3.20 | 7.73 | 752.47 | 2020.77 | 3138.29 | 2711.01 | 1778.70 | |
| Others | ||||||||||
| Loans & amp; Advances Outstanding (Total) | 60296.19 | 57100.59 | 52577.71 | 55544.73 | 55584.29 | 57674.47 | 62982.93 | 64134.14 | 74354.90 | 92286.16 |
| Short Term /SAO | 30372.71 | 29772.47 | 27351.48 | 34564.79 | 30910.30 | 31689.74 | 36297.11 | 38763.42 | 44646.36 | 51743.10 |
| Short Term Others | 19720.63 | 18425.27 | 17703.12 | 13717.2 | 17180.59 | 12159.23 | 8000.02 | 12023.26 | 21486.11 | 32736.23 |
| Medium Term-Agriculture | ||||||||||
| Medium Term-Non-Agriculture | ||||||||||
| Long Term – Agriculture | 10157.42 | 8857.32 | 7478.80 | 7187.75 | 6553.08 | 7010.27 | 7429.00 | 6049.71 | 6661.36 | 6552.76 |
| Long Term – Non-Agriculture | 45.43 | 45.53 | 44.31 | 74.99 | 940.32 | 6815.23 | 11256.80 | 7297.75 | 1561.07 | 1254.07 |
| Others | ||||||||||
| Working Capital (1+2+3) | 54184.18 | 57154.24 | 60292.23 | 54178.74 | 67935.04 | 70284.38 | 76741.09 | 71810.86 | 76532.79 | 112183.57 |
| Recovery Performance | ||||||||||
| % of recovery to Demand (July-June) | 62.02 | 68.00 | 65.00 | 53.00 | 54.50 | 67.41 | 69.57 | 71.46 | 78.46 | 77.59 |
| Classification of Assets (as per prudential norms) | ||||||||||
| Standard | 48565.60 | 45246.59 | 42763.13 | 45712.47 | 44708.89 | 46258.78 | 51332.23 | 52304.28 | 66991.67 | 84339.41 |
| Substandard | 5844.76 | 5655.07 | 2476.93 | 3018.72 | 601.99 | 979.01 | 1574.81 | 2132.99 | 1153.68 | 1092.20 |
| Doubtful Assets | 4593.46 | 4906.54 | 6045.27 | 5524.39 | 6263.91 | 6406.84 | 6088.85 | 5947.84 | 6209.21 | 6274.27 |
| Loss Assets | 1292.38 | 1292.38 | 1292.38 | 1289.05 | 4009.50 | 4029.85 | 3987.05 | 3749.03 | 0.35 | 290.14 |
| Total impaired Assets (2+3+4) | 11730.60 | 11853.99 | 9814.58 | 9832.16 | 10875.40 | 11415.70 | 11650.71 | 11829.86 | 7363.24 | 7946.75 |
| Total impaired Assets as % | ||||||||||
| To total Assets | 12.46 | 15.38 | 12.83 | 12.26 | 10.77 | 10.82 | 10.15 | 11.67 | 6.07 | 4.99 |
| To total Loan outstanding | 19.45 | 20.76 | 18.92 | 17.7 | 19.57 | 19.79 | 18.50 | 18.45 | 9.90 | 8.61 |
| Cost and Margins (as % to Working Capital) | ||||||||||
| Average of cost of funds | 4.00 | 4.25 | 4.10 | 4.25 | 6.30 | 6.27 | 4.65 | 5.45 | 4.36 | 4.23 |
| Average yield on Assets | 5.17 | 5.40 | 5.50 | 6.00 | 7.80 | 7.45 | 6.26 | 5.97 | 6.79 | 7.22 |
| Net Financial Margin | 1.17 | 1.25 | 1.40 | 1.75 | 1.50 | 1.18 | 1.61 | 0.52 | 2.43 | 2.99 |
| Cost of Management | 1.33 | 1.10 | 1.25 | 1.25 | 1.35 | 1.17 | 2.04 | 1.72 | 2.53 | 2.13 |
| Risk Cost | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.11 | 0.1 | 0 | 1.18 | |
| Net Margin (3-4) | -0.16 | 0.05 | 0.05 | 0.08 | 0.13 | 0.01 | -0.54 | -1.30 | -0.10 | -0.32 |
| Working Results | ||||||||||
| Annual Profit (+)/Loss(-) | 168.52 | 169.62 | 501.62 | 395.16 | 50.62 | 15.32 | 5.25 | 60.46 | 88.8 | 116.09 |
| Accumulated losses if any | -875.37 | -705.75 | 204.12 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Branches | 28 | 28 | 28 | 28 | 28.00 | 28.00 | 28 | 28 | 28 | 28.00 |
| Employees | 180 | 180 | 180 | 150 | 146.00 | 144.00 | 144 | 141 | 136 | 133.00 |
| Per Branch Productivity | 2153.44 | 2039.31 | 1877.78 | 3018.44 | 3189.71 | 3368.62 | 3728.47 | 3697.23 | 4282.95 | 5182.92 |
| Per Employee Productivity | 334.98 | 317.23 | 292.10 | 563.44 | 610.00 | 655.04 | 724.98 | 734.20 | 881.78 | 1099.41 |
| CRAR | 7.03 | 7.33 | 9.76 | 9.99 | 10.07 | 12.01 | 11.72 | 12.84 | 16.57 | 15.54 |