KeyFinancials

Name of the DCCB: The Anantapur District Co-operative Central Bank Ltd., Anantapuramu
KEY FINANCIAL PARAMETERS (Rs. in lakhs)
Particulars 31.03.2011 31.03.2012 31.03.2013 31.03.2014 31.03.2015 31.03.2016 31.03.2017 31.03.2018 31.03.2019
Owned Funds 22246.31 22746.12 23461.03 22261.79 22351.31 22231.89 22500.66 22544.72 22959.91
Share Capital 4385.85 4483.88 4843.25 4854.59 4863.51 5533.63 6331.38 6485.57 6960.1
of whom from State Govt. 201.05 201.05 196.05 196.05 197.64 197.64 197.64 0.00 0
Reserves and other Funds/Provisions 17860.46 18262.24 18617.78 17407.20 17487.80 16698.26 16169.28 16059.15 15999.81
DEPOSITS (Total) 15110.41 17336.44 19713.30 20299.65 26826.99 28971.52 33727.53 36646.92 41414.15
Demand Deposits 3856.61 3718.03 3141.16 3359.92 6995.68 5439.84 7739.98 8800.93 13181.98
Term Deposits 11253.8 13618.41 16572.14 16939.73 19831.31 23531.68 25987.55 27845.99 28232.17
Borrowings Outstanding(Total) 27986.21 26180.14 29627.63 32000.00 28601.73 31428.11 39408.11 39234.64 40581.31
from NABARD
from APCOB 27986.21 26180.14 29627.63 27591.87 28101.64 30816.21 38796.21 38744.44 40204.07
from Others 1361.16 500.09 611.9 611.90 490.20 377.24
Investments (Total) 13211.67 13211.67 13211.67 14177.18 23295.39 25283.98 30913.55 35345.71 37081.92
SLR 11339.76 8484.83 13211.67 14177.18 19086.34 18137.1 28550.77 32713.06 35215.55
Non SLR 222.60 241.81 2362.78 2362.65 1866.37
Government Securities 0 0.00 2307.59 5226.2 8200.00 9243.63 9396.64
Bonds 400.23 400.23 0
Others 13210.81 10579.60 1278.64 1278.64 20350.77 23469.43 0
Loans Issued(Total) 48336.16 53253.07 67066.09 72200.00 37279.09 57954.36 66433.16 70737.54 75911.97
Short Term/ SAO 37504.32 38552.30 48667.17 50000.00 26821.26 47280.44 53304.51 56504.23 63109.47
Short Term Others 9511.85 14658.25 18392.40 22000.00 10415.18 10053.33 12435.92 13219.32 7220.37
Medium Term-Agriculture
Medium Term-Non-Agriculture
Long Term – Agriculture 1315.72 42.52 6.52 100.00 42.65 617.39 685.00 261.52 81.25
Long Term – Non-Agriculture 4.27 0.00 100.00 0.00 3.2 7.73 752.47 5500.88
Others
Loans & amp; Advances Outstanding (Total) 49431.03 53702.46 60296.19 57100.59 52577.71 55544.73 55584.29 57674.47 62982.94
Short Term /SAO 25287.78 26535.72 30372.71 29772.47 27351.48 34564.79 30910.30 31689.74 36297.11
Short Term Others 12103.70 15885.00 19720.63 18425.27 17703.12 13717.2 17180.59 12159.23 12797.10
Medium Term-Agriculture
Medium Term-Non-Agriculture
Long Term – Agriculture 11993.89 11236.31 10157.42 8857.32 7478.80 7187.75 6553.08 7010.27 6996.68
Long Term – Non-Agriculture 45.66 45.43 45.43 45.53 44.31 74.99 940.32 6815.23 6892.05
Others
Working Capital (1+2+3) 47482.47 48000.46 54184.18 57154.24 60292.23 54178.74
Recovery Performance
% of recovery to Demand (July-June) 62.27 62.02 62.02 68.00 65.00 53.00 54.50 67.41
Classification of Assets (as per prudential norms)
Standard 42427.73 43175.12 48565.60 45246.59 42763.13 45712.47 44708.89 46258.78 51332.23
Substandard 3562.2 6057.24 5844.76 5655.07 2476.93 3018.72 601.99 979.01 1574.81
Doubtful Assets 2165.87 3177.72 4593.46 4906.54 6045.27 5524.39 6263.91 6406.84 6088.85
Loss Assets 1275.23 1292.38 1292.38 1292.38 1292.38 1289.05 4009.50 4029.85 3987.05
Total impaired Assets (2+3+4) 7003.30 10527.34 11730.60 11853.99 9814.58 9832.16 10875.40 11415.70 11650.71
Total impaired Assets as %
To total Assets 8.41 12.48 12.46 15.38 12.83 12.26 10.77 10.82
To total Loan outstanding 14.17 19.60 19.45 20.76 18.92 17.7 19.57 19.79 18.5
Cost and Margins (as % to Working Capital)
Average of cost of funds 4.42 4.61 4.00 4.25 4.10 4.25 6.30 6.27 6.12
Average yield on Assets 6.01 5.76 5.17 5.40 5.50 6.00 7.80 7.45 7.03
Net Financial Margin 1.59 1.15 1.17 1.25 1.40 1.75 1.50 1.18 0.91
Cost of Management 1.38 1.78 1.33 1.10 1.25 1.25 1.35 1.17 0.82
Risk Cost 0.15 0.50 0.10 0.10 0.10 0.10 0.10 0.1
Net Margin (3-4) 0.21 -0.63 -0.16 0.05 0.05 0.08 0.13 0.01 0.09
Working Results
Annual Profit (+)/Loss(-) 26.73 28.55 168.52 169.62 501.62 395.16 50.62 15.32 5.26
Accumulated losses if any 1072.44 1043.89 -875.37 -705.75 204.12 0 0.00 0.00 0
Branches 28 28 28 28 28.00 28.00 28.00
Employees 180 180 180 150 146.00 144.00 145
Per Branch Productivity 2601.63 2826.45 2153.44 2039.31 1877.78 3018.44 3189.71 3368.62 719.98
Per Employee Productivity 282.46 372.93 334.98 317.23 292.10 563.44 610.00 655.04 3728.47
CRAR 7.03 7.33 9.76 9.99 10.07 12.01 11.72