THE DISTRICT COOPERATIVE CENTRAL BANK LTD., KAKINADA

ANNEXURE NO. 6

Statement of Capital funds, Risk Assets/Exposures and Risk Assets Ratio as on 31.03.2022

(Rs.in Lakhs)

 

                                                                                             Part A – Capital Funds and Risk Assets Ratio AS ON 31.03.2023
Sl.No. Particulars Amount
 I Capital Funds  
 A Tier I Capital elements  
 1 Paid up capital 27227.26
  Less  
 1.1 Accumulated losses 0.00
 1.2 Shortfall in provisions (GOAP Recievable) 0.00
2 Net paid-up Capital 27227.26
3 Innovatinve Perpetual Debt Instruments (IPDI) 0.00
 4 Reserves and Surplus 4004.53
 4.1 Statutory Reserves 3166.85
4.2 Capital reserves 0.00
4.3 Other reserves (**Note No.1) 772.07
4.4 Surplus in Profit and Loss Account 65.61
5 Net Tier I Capital 31231.79
B Tier II Capital elements 7887.30
1 Revaluation reserves 6670.23
2 General Provisions and loss reserves (Total excess provision including excess
provision under standard asset has been reckoned)(**Note No.2)
1165.42
3 Investment fluctuation reserves/funds 51.65
4 Innovative Perpetual Debt Instruments (IPDI) 0.00
5 Long Term (Subordinated)Deposits (LTDs) 0.00
6 Head Room Deduction 0.00
7 Net Tier II Capital 7887.30
C Total Capital (Tier I+TierII) 39119.09
II Risk Assets  
1 Adjusted value of funded risk assets i.e. on Balance Sheet items 371294.90
2 Adjusted value of non-funded and off-Balance Sheet items 14.50
3 Total Risk Weighted Assets 371309.40
III Percentage of Capital Funds to Risk Weighted Assets (I/II*100) 10.54

 

Part B – Risk Weight Assets and Exposures
Sl.No. Particulars Book Value Margins and Provisions Book value (net) Risk Weight (%) Risk Adjusted Value
  Asset Items          
I Cash and Bank Balances 17,915.04 0.00 17,915.04   2775.91
1 Cash Balances with RBI 4035.48 0.00 4035.48 0.00% 0.00
2 Balances in current account with other Banks 13.879.56 0.00 13,879.56 20.00% 2775.91
II Investments 55,618.77 0.01 55,618.76   14,611.96
1 Investments in Govt.Secuirites Investments in other apporoved securities guaranteed by Central / 28,690.58 0.00 28,690.58 2.50% 717.26
2 State govt. 0.00 0.00 0.00 2.50% 0.00
3 Investments in other securities where payment of
interest and repayment of prinicipal are guaranteed
by centrla govt. (It will included India/Kisan Vikas
Patra and investment in bonds and debentures where
payment of interest and prinicipal is guaranteed by
Central Government/State Governments)
0.00 0.00 0.00 2.50% 0.00
4 Investments in other securities where payment of
interest and repayment of prinicipal are guaranteed
by state govt. (If, the same has became NPA, it
will atrtact 102.5% risk weight and therefore
included under all other investments at X below)
0.00 0.00 0.00 2.50% 0.00
5 Investments in other approved securities where payment
of interest and repayment of principal are not guaranteed
by central/sate govts.
0.00 0.00 0.00 22.50% 0.00
6 Investments in govt. guaranteed securities of
govt. undertakings which do not form part of
the approved market borrowing programme.
0.00 0.00 0.00 22.50% 0.00
7 Claims on commercial banks, DCCBs and StCBs such
as FDs, CDs, money at call and short notices etc.
17,133.36 0.00 17,133.36 22.50% 3,855.01
8 Investment sin bonds issued by all india Publich
Financial Institutions Investments in bonds
issued by Public Financial Instituttions for
their
0.00 0.00 0.00 102.50% 0.00
9 Tier II Capital 0.00 0.00 0.00 102.50% 0.00
10 All Other investments 9,794,83 0.01 9,794.82 102.50% 10,039.69
III Loans and Advances including bills purchases and discounted 390,892.84 45,056.85 345,835.98   337,266.31
1 Loans guaranteed by GOI 0.00 0.00 0.00 0.00% 0.00
2 Loans guaranteed by State Govt. State
Government guaranteed advance which has
become a non
0.00 0.00 0.00 0.00% 0.00
3 Performing asset 0.00 0.00 0.00 100.00% 0.00
4 Loans granted to PSUs of GOI 0.00 0.00 0.00 100.00% 0.00
5 Loans granted to PSUs of State Govt. 0.00 0.00 0.00 100.00% 0.00
6 Housing Loans 0.00 0.00 0.00 0.00% 0.00
6.1 Loans to individuals(fully secured by mortage
of residential properties) up to Rs.30.lakhs
(LTV ratio should be computed as a percentaage
of total outstanding in the account
(viz.prinicipal + accrued interest+other ccharges
pertaining to the loan without any netting) in the
numerator and the realizable value of the residential
property mortgaged to the balnk in the denominator)
0.00 0.00 0.00 0.00% 0.00
a LTV ratio isequal to or less than 75 percent 0.00 0.00 0.00 50.00% 0.00
b LTV ratio is more than 75 percent 0.00 0.00 0.00 100.00% 0.00
6.2 Housing others 0.00 0.00 0.00 100.00% 0.00
7 Consumer credit including personal loan 0.00 0.00 0.00 125.00% 0.00
8 Loans up to Rs.1 lakh agianst gold and silver
ornaments (Where the loan amount exceeds
Rs.1.lakhs, the entire loan amount has to be
asisgned the risk weight applicable fo rthe
purpose for which the loan has been sanctioned)
11,664.42 0.00 11,664.42 50.00% 5,832.21
9 All other loans and advances including Education
loan loans extended against primary/collateral
security of shares/
(**Note No. 3)
376,260.66 45,056.85 331,203.80 100.00% 331,203.80
10 Debentures 0.00 0.00 0.00 125.00% 0.00
11 Leased assets. 0.00 0.00 0.00 100.00% 0.00
12 Advances guaranteed by DICGC/ECGC (the risk weight of
50% should be limited to the amount quaranteed and not
the entire outstanding balance in the accounts. In other
words the outstanding inexcess of the amount guaranteed,
will carry 100% risk weight.)
0.00 0.00 0.00 50.00% 0.00
13 Advance against term deposits, life policies , NSC,
IVPs and KVPs where adequate margin is available.
1,816.27 0.00 1,816.27 0.00% 0.00
14 Loans and advances granted by State/Central
Cooperative banks to their own staff, which
are fully covered by superannuation benefits
and mortgage of flat/house.
1,151.49 0.00 1,151.49 20.00% 230.30
IV Other Assets 18,532.60 4.92 18,527.68   16,640.72
1 Premises, furniture and fixtures 15,666.94 0.00 15,666.94 100.00% 15,666.94
2 Interest due on GOI securities 541.77 0.00 541.77 0.00% 0.00
3 Accrued interest on CRR balances maintained
with RBI and claims on RBI on account of
Government transactions (net of claims of
government/RBI on banks on account of such
transactions)
1,126.35 0.00 1,126.35 0.00% 0.00
4 Interest receivalble on staff loans 0.00 0.00 0.00 20.00% 0.00
5 Interest receivable from banks 273.55 0.00 273.55 20.00% 54.71
6 All other Assets (**Note No. 4) 923.99 4.92 919.07 100.00% 919.07
7 Interest Rebate / Subvention Receivable from Govt of India 0.00 0.00 0.00 100.00% 0.00
V TOTAL 482,959.24 45,061.78 437,897.46 0.00 371,294.90
Part C-Off Balance Sheet items
Sl.No. Particulars Book Value Margins and Provisions Book value (net) Risk Weight (%) Risk Adjusted Value
1 Bank Guarentees 14.50 0.00 14.50 100.00% 14.50
  TOTAL 14.50 0.00 14.50 100.00% 14.50
             
             
For District Cooperative Central Bank Limited,     As per our Report of even date
Kakinada     For Bandaru Satyanarayana & Co
      Chartered Accountants
             
             
CHIEF EXECUTIVE OFFICER      
      Dakarapu Krishna
      Partner
      (M.No.230076)