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 |
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CHIEF EXECUTIVE OFFICER |
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CHARTERED ACCOUNTANT |