RBI & NABARD Prudential Norms
Capital to Risk Assets Ratio (CRAR)
Capital Funds, Risk Assets / Exposures and Risk-Weighted Assets position of The SPSR Nellore District Co-operative Central Bank Ltd.
SRI POTTI SRIRAMULU NELLORE DISTRICT COOPERATIVE CENTRAL BANK LTD., NELLORE
Part-A: Capital Funds and Risk Assets Ratio (Figures in ₹ Lakhs)
Regulatory Benchmark
CRAR > 9.00%
| S.No | Item / Capital & Exposure Category | Book Value (₹ L) | Margin / Deduction | Net Value (₹ L) | Risk % | Risk-Weighted Value (₹ L) |
|---|---|---|---|---|---|---|
| 1 | Capital Elements (Tier I & Tier II) | |||||
| A. Tier I Capital: (1) Paid-up Share Capital | 16,300.94 | 0.00 | 16,300.94 | — | — | |
| (2) Statutory & General Reserves | 4,812.50 | 0.00 | 4,812.50 | — | — | |
| B. Tier II Capital: (1) Standard Asset Provisions & Revaluation Reserves | 1,950.00 | 0.00 | 1,950.00 | — | — | |
| 2 | Cash and Bank Balances | |||||
| 1) Cash in Hand (including foreign currency notes) | 1,245.30 | 0.00 | 1,245.30 | 0% | 0.00 | |
| 2) Balances with Reserve Bank of India (RBI) | 4,850.20 | 0.00 | 4,850.20 | 0% | 0.00 | |
| 3) Balances in current account with other banks & APCOB | 7,472.62 | 0.00 | 7,472.62 | 20% | 1,494.52 | |
| 3 | Investments | |||||
| 1) Central and State Government Securities (SLR) | 18,564.29 | 0.00 | 18,564.29 | 0% | 0.00 | |
| 2) Other Approved Trustee Securities | 3,793.44 | 102.50 | 3,690.94 | 20% | 738.19 | |
| 4 | Loans and Advances, Bills Purchased & Discounted | |||||
| 1) Loans against Fixed Deposits & Superannuation with adequate margin | 574.63 | 4.70 | 569.93 | 0% | 0.00 | |
| 2) Gold Loans up to ₹1.00 Lakh & Priority Agril Advances | 2,815.95 | 0.00 | 2,815.95 | 50% | 1,407.98 | |
| 3) Loans to DCCB own staff (covered by mortgage/superannuation) | 243.61 | 0.97 | 242.64 | 20% | 48.53 | |
| 4) Consumer Credit & Personal Loans | 378.82 | 185.24 | 193.58 | 125% | 241.98 | |
| 5) All other Loans & Advances (KCC, Karshaka Mitra, MSME, Education) | 1,04,892.38 | 1,962.10 | 1,02,930.28 | 100% | 1,02,930.28 | |
| 5 | Premises, Fixed Assets & Other Assets | |||||
| 1) Bank Premises, Furniture & Fixtures (Net of depreciation) | 10,074.80 | 0.00 | 10,074.80 | 100% | 10,074.80 | |
| 2) Interest due on GOI Securities & CRR Claims | 116.55 | 0.00 | 116.55 | 0% | 0.00 | |
| 3) Interest Receivables from Banks on Investment | 386.86 | 0.00 | 386.86 | 20% | 77.37 | |
| 4) All Other Assets (Sundry Debtors, Prepayments, etc.) | 993.93 | 969.30 | 24.63 | 100% | 24.63 | |
| TOTAL ASSETS & RISK-WEIGHTED ASSETS | ₹1,51,753.40 | ₹3,122.31 | ₹1,48,631.09 | — | ₹1,23,019.22 | |
Certified by: S. Srinivasa Rao, Chief Executive Officer (CEO)
Statutory Audit: Chartered Accountants & Cooperative Department Auditors