| Name of the DCCB: The Anantapur District Co-operative Central Bank Ltd., Anantapuramu | ||||||
|---|---|---|---|---|---|---|
| KEY FINANCIAL PARAMETERS (Rs. in lakhs) | ||||||
| Particulars | 3/31/2011 | 3/31/2012 | 3/31/2013 | 31.03.2014 | 31.03.2015 | 31.03.2016 |
| Owned Funds | 22246.31 | 22746.12 | 23461.03 | 22261.79 | 22351.31 | 22231.89 |
| Share Capital | 4385.85 | 4483.88 | 4843.25 | 4854.59 | 4863.51 | 5533.63 |
| of whom from State Govt. | 201.05 | 201.05 | 196.05 | 196.05 | 197.64 | 197.64 |
| Reserves and other Funds/Provisions | 17860.46 | 18262.24 | 18617.78 | 17407.20 | 17487.80 | 16698.26 |
| DEPOSITS (Total) | 15110.41 | 17336.44 | 19713.30 | 20299.65 | 26826.99 | 28971.52 |
| Demand Deposits | 3856.61 | 3718.03 | 3141.16 | 3359.92 | 6995.68 | 5439.84 |
| Term Deposits | 11253.8 | 13618.41 | 16572.14 | 16939.73 | 19831.31 | 23531.68 |
| Borrowings Outstanding(Total) | 27986.21 | 26180.14 | 29627.63 | 32000.00 | 28601.73 | 31428.11 |
| from NABARD | ||||||
| from APCOB | 27986.21 | 26180.14 | 29627.63 | 27591.87 | 28101.64 | 30816.21 |
| from Others | 1361.16 | 500.09 | 611.9 | |||
| Investments (Total) | 13211.67 | 13211.67 | 13211.67 | 14177.18 | 23295.39 | 25283.98 |
| SLR | 11339.76 | 8484.83 | 13211.67 | 14177.18 | 19086.34 | 18137.1 |
| Non SLR | 222.60 | 241.81 | ||||
| Government Securities | 0 | 0.00 | 2307.59 | 5226.2 | ||
| Bonds | 400.23 | 400.23 | ||||
| Others | 13210.81 | 10579.60 | 1278.64 | 1278.64 | ||
| Loans Issued(Total) | 48336.16 | 53253.07 | 67066.09 | 72200.00 | 37279.09 | 57954.36 |
| Short Term/ SAO | 37504.32 | 38552.30 | 48667.17 | 50000.00 | 26821.26 | 47280.44 |
| Short Term Others | 9511.85 | 14658.25 | 18392.40 | 22000.00 | 10415.18 | 10053.33 |
| Medium Term-Agriculture | ||||||
| Medium Term-Non-Agriculture | ||||||
| Long Term – Agriculture | 1315.72 | 42.52 | 6.52 | 100.00 | 42.65 | 617.39 |
| Long Term – Non-Agriculture | 4.27 | 0.00 | 100.00 | 0.00 | 3.2 | |
| Others | ||||||
| Loans & amp; Advances Outstanding (Total) | 49431.03 | 53702.46 | 60296.19 | 57100.59 | 52577.71 | 55544.73 |
| Short Term /SAO | 25287.78 | 26535.72 | 30372.71 | 29772.47 | 27351.48 | 34564.79 |
| Short Term Others | 12103.70 | 15885.00 | 19720.63 | 18425.27 | 17703.12 | 13717.2 |
| Medium Term-Agriculture | ||||||
| Medium Term-Non-Agriculture | ||||||
| Long Term – Agriculture | 11993.89 | 11236.31 | 10157.42 | 8857.32 | 7478.80 | 7187.75 |
| Long Term – Non-Agriculture | 45.66 | 45.43 | 45.43 | 45.53 | 44.31 | 74.99 |
| 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 | 68.00 | 65.00 | 53.00 | |
| Classification of Assets (as per prudential norms) | ||||||
| Standard | 42427.73 | 43175.12 | 48565.60 | 45246.59 | 42763.13 | 45712.47 |
| Substandard | 3562.2 | 6057.24 | 5844.76 | 5655.07 | 2476.93 | 3018.72 |
| Doubtful Assets | 2165.87 | 3177.72 | 4593.46 | 4906.54 | 6045.27 | 5524.39 |
| Loss Assets | 1275.23 | 1292.38 | 1292.38 | 1292.38 | 1292.38 | 1289.05 |
| Total impaired Assets (2+3+4) | 7003.30 | 10527.34 | 11730.60 | 11853.99 | 9814.58 | 9832.16 |
| Total impaired Assets as | ||||||
| To total Assets | 8.41 | 12.48 | 12.46 | 15.38 | 12.83 | 12.26 |
| To total Loan outstanding | 14.17 | 19.60 | 19.45 | 20.76 | 18.92 | 17.7 |
| Cost and Margins (as to Working Capital) | ||||||
| Average of cost of funds | 4.42 | 4.61 | 4.00 | 4.25 | 4.10 | 4.25 |
| Average yield on Assets | 6.01 | 5.76 | 5.17 | 5.40 | 5.50 | 6.00 |
| Net Financial Margin | 1.59 | 1.15 | 1.17 | 1.25 | 1.40 | 1.75 |
| Cost of Management | 1.38 | 1.78 | 1.33 | 1.10 | 1.25 | 1.25 |
| Risk Cost | 0.15 | 0.50 | 0.10 | 0.10 | 0.10 | |
| Net Margin (3-4) | 0.21 | -0.63 | -0.16 | 0.05 | 0.05 | 0.08 |
| Working Results | ||||||
| Annual Profit (+)/Loss(-) | 26.73 | 28.55 | 168.52 | 169.62 | 501.62 | 395.16 |
| Accumulated losses if any | 1072.44 | 1043.89 | -875.37 | -705.75 | 204.12 | 0 |
| Branches | 19 | 19 | 28 | 28 | 28 | 28 |
| Employees | 175 | 144 | 180 | 180 | 180 | 150 |
| Per Branch Productivity | 2601.63 | 2826.45 | 2153.44 | 2039.31 | 1877.78 | 3018.44 |
| Per Employee Productivity | 282.46 | 372.93 | 334.98 | 317.23 | 292.10 | 563.44 |
| CRAR | 7.03 | 7.33 | 9.76 | 9.99 | ||