CRAR – Nellore District Cooperative Central Bank

SRI POTTI SRIRAMULU NELLORE DISTRICT COOPERATIVE CENTRAL BANK LTD., NELLORE
Capital Funds, Risk Assests/Exposures and Risk Assets Ratio
Part-A: Capital Funds And Risk Assets Ratio
(Rs.in.lakhs)
S.No	Item	Book Value
1	Capital Elements:
	A. Tier I Capital elements
	(1)Paid up capital	16300.94
	Less:Accumulated Losses and Short fall in provisions	0.00
	(2)Net Paid Up Share capital	16300.94
	Innovative perpetual debt instruments(IPDI)	0.00
	4)Reserves and surplus
	4.1)Reserve Fund	1247.78
	4.2)A.C.S.F.	14.50
	4.3)Capital Reserves	46.70
	4.4) Other Reserves(D.E.F,Risk Fund,Building Fund,T.A.F,C.G.F)	928.20
	4.5)Surplus in P&LA/C	1645.71
	Total Tier I Capital	19763.71
	B. Tier 11 Capital elements
	(a)Undisclosed Reserves	0.00
	(b)Revaluation Reserves	4291.30
	(c)General Provisions and loss provisions	0.00
	(d)Investment fluctuation reserves/funds	39.22
	Innovative Perpetual Debt Instruments(IPDI)	0.00
	Net Tier II Capital	4330.52
	C.Grand Total(A+B)	24094.23
2	Risk Assets:
	A.Adjusted value of funded risk assets on balance sheet items(PART-B)	152038.53
	B.Adjusted value of non-funded and off balance sheet items(PART-C)	214.31
	C.Total Risk Weighted Assets(A+B)	152252.84
3	Percentage of capital funds to risk weighted assets [1(c):2(c)]	15.83


CHIEF EXECUTIVE OFFICER		CHARTERED ACCOUNTANT

SRI POTTI SRIRAMULU NELLORE DISTRICT COOPERATIVE CENTRAL BANK LTD., NELLORE
Capital Funds, Risk Assests/Exposures and Risk Assets Ratio
PART – B : RISK WEIGHTED ASSETS
(Rs.in.lakhs)
S.No	Assets Items	Book value as on 31-03-2022	Margins And Provisions	Book value as on 31- 03-2022 (Net)	Risk Weight (%)	Risk Adjusted Value
1	Cash and Bank Balances
	1) Cash ,balances with RBI	1340.81		1340.81	0	0.0
	2) balances in current account with other Banks	923.96		923.96	20	184.79
2	Investments
	1) Investments in Govt.Securities	7296.84		7296.84	2.5	182.42
	2) Investment in other approved Securities Guaranteed by Central/State Govt.			0.00	2.5	0.00
	3)Investments in other securities where payment of interest and repayment of principal are guranteed by central govt.			0.00	2.5	0.00
	4) Investments in other securities where payment of interest and repayment of principal are guaranteed by state Govt.			0.00	2.5	0.00
	5) Investments with other approved Securities where payment of interst and repayment of principal are not guranteed by Central /state Govts			0.00	22.5	0.00
	6) Investments in govt. Guaranteed Securities of govt undertakings which do not form part of the approved market borrowing programme.			0.00	22.5	0.00
	7) Claims on Commercial banks ,DCCBs, and StCBs such as FDs,CDs,money at call and short notices etc.,	18013.34		18013.34	22.50	4053.00
	8)Investments in bonds issued by All India Public Financial Institutions			0.00	102.5	0.00
	9) Investments in bonds issued by Public Financial Institutions for their Tier II Capital			0.00	102.5	0.00
	10) All Other Investments	3700.92		3700.92	102.50	3793.44
3	Loans and Advances, Bills purchased and discounted			0.00		0.00
	1) Loans guranteed by GOI			0.00	0	0.00
	2) Loans guaranteed by State Govt.			0.00	0	0.00
	3) State Govt guaranteed advance which has become a non performing asset			0.00	100	0.00
	4) Loans Granted to PSUs of GOI			0.00	100	0.00
	5) Loans Granted to PSUs of State Govt			0.00	100	0.00
	6) Housing Loans			0.00		0.00
	6.1) Housing Loans to Individuals			0.00		0.00
	a) LTV Ratio is equals to /less than 75%			0.00	50	0.00
	b) LTV Ratio is more than 75%			0.00	100	0.00
	6.2) Housing others			0.00	100	0.00
	7) Consumer Credit including Personal Loans	378.82	185.24	193.58	125	241.98
	8)Loans up to Rs. 1 lakh against gold and silver ornaments (Where the loan amount exceeds Rs. 1 lakh, the entire loan amount has to be assigned the risk weight applicable for the purpose for which the loan has been sanctioned)	2815.95		2815.95	50	1407.98
	9) All other loans and advances including Education Loan	104892.38	1962.10	102930.28	100	102930.28
	10) Loans Extended against primary /collateral securtiy of shares /debentures			0.00	125	0.00
	11) Leased Assets			0.00	100	0.00
	12) Advances Guranteed by DICGC/ECGC(50% Risk weight if the outstanding balance limited to the amount guaranteed, 100% Risk Weight if the outstanding balance is excess the amount guaranteed)			0.00	50	0.00
	13) Advances Against term deposits,life policies,NSC,IVPs, and KVPs where adequate margin is available	574.63	4.70	569.93	0	0.00
	14)Loans and advance granted by State /Central Cooperative banks to theirs own staff, which are fully covered by superannuation benefits and mortagage of Flat /House.	243.61	0.97	242.64	20	48.53
4	Other Assets			0.00		0.00
	1) Premises, furniture and fixtures(Net of depreciation)	10074.80		10074.80	100	10074.80
	2) Interest due on GOI Securities	116.55	0.00/td>	116.55	0	0.00
	3) Accrued interest on CRR balances maintained with RBI and claims on RBI on account of Government trancsactions(net of claims of govt. /RBI on banks on account of such transactions)	0.00		0.00	0	0.00
	4) Interest receivables on staff loans	0.00		0.00	20	0.00
	5) interest receivables from banks(Investment)	386.86	0.00	386.86	20	77.37
	6) All Other Assets	993.93	969.30	24.63	100	24.63
	TOTAL	151753.40	3122.31	148631.09		123019.22


	CHIEF EXECUTIVE OFFICER			CHARTERED ACCOUNTANT

Branch Selector