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 |