Karnataka state co-operative Agriculture And Rural Development Bank Ltd.

,Benglore
VIABILITY ANALYSIS STATEMENT:
NAME OF THE PCARD BANK LTD: KALABURAGI

1. MEMBERS Actuals for Projection

2017-18 for 2018-19
a) Borrowing members
b) Non Borrowing members
c) Total members

2. SHARE CAPITAL

a) From Members
b) From State Government
c) Total Share Capital

3. RESERVES

a) Reserve Fund
b) Bad & Doubtfuldebt Reserve
c) Other Reserves
d) Total Reserves

4. UN DISBURSED PROFIT.IF ANY

5. OWNED FUNDS (2+3+4=5)

6. DEPOSITS

a) Deposits from state Govt

b) Deposits from lnstitutions
c) Depsits from individuals
d) Total Deposits _

7. BORROWINGS
a) Normal schemes
b) Special schemes including NFS
c) Rural Housing
d) Other Borrowing (sc/st corpo.ect)
e) Total Borrowings

8. OTHER LIABILITIES
9. TOTAL LIABILITIES

10.LOAN ISSUES DURING THE YEAR

A: PURPOSE WISE
a) Agriculture Purpose
b) Non-Agriculture purpose
c) Loan issued out of deposits moblized
d) Total

B: SLAB WISE:
a) Up to 25000/-
b) Rs 25000 to 2.00 Lakhs
c) Above Rs 2.00 Lakhs
Total
11. LOAN OUTSTANDING
A: PURPOSE WISE
a) Agriculture Loans
b) Non-Agriculture purpose
Total
c) Loan issued out of Own Fund
B: SLAB WISE:
a) Up to 25000/-
b) Rs 25000 to 2.00 Lakhs
c) Above Rs 2.00 Lakhs
Total
12. NO OF LOAN ACCOUNTS AS ON 31-03-2017

13.a) INVESTMENTS
b) Cash and Bank Balance
c) Other Assets

14.TOTAL ASSETS (EXCLUDING CONTRA

ENTRIES IN BALANCE SHEET
15. DEMAND COLLECTION AND BALANCE
(AS AN 31-03-2018)
A: DEMAND
a) Current principal
b) Current Interest
c) Arrears Principal
d) Arrears Interest
e) TOTAL DEMAND

B COLLECTION
a) Current Principal
b) Current Interest
c) Arrears Principal
d) Arrears Interest
TOTAL COLLECTION

Balance (Total Demand - Total collection)

Balance ( Total Demand - Total Collection)
Ltd.,Benglore

Projection
for 2018-19
 31-03-2018
SL.NO Particulars Projection for 2017-18 Actuals for 2017-18 Projection for 2017-18
L.O.S Provision L.O.S Provision L.O.S Provision
I STANDARD ASSETS 0.25%
II SUB STANDARD ASSETS 10%
III DOUBTFUL ASSETS
a) (36-48 Months provision 20%)
b) (48-72 Months provision 30%)
c) Above 72 Months Provision 50%)

IV Loss Assets Provision 100%

TOTAL
 STATEMENT -II
YIELD ON ASSETS (Interest Income) FOR THE YEAR 2017-18
NAME OF THE PCARD BANK KALABURAGI
(Rs.In Lakhs)
SL.NO PARTICULARS Quarterly average Income / Interest
amount outstanding received/recievable
(on accrued basis)
1 2 3 4
1 cash and bank
Balance
2 a) Loan Outstanding
b) Loan Outstanding
out of deposits
3 Investments
4 Other Assets(including
accumulated losses,
excluding contra)
TOTAL
STATEMENT -III
COST OF FUNDS FOR THE YEAR 2017-18
NAME OF THE PCARD BANK KALABURAGI
(Rs.In Lakhs)
SL.NO Quarterly average Interest paid Cost per
PARTICULARS
amount payable Rs.100/-
1 2 3 4 5
1 Own Funds
2 Deposits
3 Borrowings
Other Liabilities
4
(excluding contra)
TOTAL

NOTE: 1. All figures in Col.No. 3 under Statement II & III should be given on
quarterly average basis.
2. If divident is declared then only amount of divident paid should be given
 under Col.4 against Own Funds in Statement -III.
3. If interest paid on other liabilities like building loan etc.,should be given
under Col. 4 against other liabilities in Statement No.III
 STATEMENT -IV

SL.NO PARTICULARS 2017-18

1 No. of Employees
2 Salaries and Allowances
3 Other Expenses relating to Staf
4 Provision for Salaries, Allowance
and other expenses
5 Total staf Expenses (Statement I
item 17 II (d).
6 Other operating Expenses (Non Staf
Expenditure and provision for
Non Staf Expenditure )
7 Total Transaction Cost (5+6)
8 Other income (like Evaluation fee,
Recovery charge, Application form fee,etc.,)
9 Net Transaction Cost (7-8)
10 % of Net Transaction cost to
a) Loan Outstanding
b) working Capital
c) Earning Assets ( cash /bank balance/
investments / Loan outstanding)
017-18

.In Lakhs)
Earning
per 100/-

(Rs.In Lakhs)
Cost per
Rs.100/-
5

uld be given
ld be given
2017-18
 STATEMENT –V
A.     BREAK EVEN LEVEL FOR CURRENT VIABILITY
= Net Transaction Cost X 100
Gross Margin

B.     BREAK EVEN LEVEL FOR EROSION TOTAL LOSSES:

= Accumulated Loss + Net Imbalance

+ Bad & Doubtful Debt not provided
-Overdue interest receivable from members X 100

c. BREAK EVEN LEVEL FOR SUSTAINABLE VIABILITY

1) Break even level current vialibility

2) Break even level erosion of Total losses

3) Break even level for sustainable viability (1 +2)

Year attaining sustainable =

Accountant Secretary
PCARD BANK LTD PCARD BANK LTD

Checked and found correct

DISTRICT MANAGER
 PRIMARY CO-OPERATIVE AGRICULTURE AND RURAL DEVELOPMENT
BANK LTD.KALABURGI

Statement Showing The Weighted Average Interest As on 31-03-2018

Sl.No Scheme Outstanding one year Averge
As on 31-03-2018 Interest Interest
1 General Scheme 0 10%
2 DWS 0 10.25%
3 IP set 0 11.50%
4 Pipline 0 11.50%
5 tractor 0 13.50%
6 Land development 0 12.50%
7 Grape 0 10%
8 Rose 0 10%
9 KSP 0 13.50%
10 Dairy Development Scheme 0 13.50%
11 Sheep rearing Scheme 0 10%
12 Bullock & Bullock Cart 0 10%
13 Two weeler 0 13.50%
14 Non Farming Sector 0 14%
15 Non Farming Sector (I) 0 15%
16 Rural Housing Scheme 0 14%
17 Crop Loan 0 10%

Total 0 0 13.26%
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Primary co-operative Agriculture And Rural Development Bank Ltd.,Shahapur
VIABILITY ANALYSIS STATEMENT:
NAME OF THE PCARD BANK LTD: SHAHAPUR
1. MEMBERS Projection Actuals for
for 2015-16 2015-16
a) Borrowing members 4045
b) Non Borrowing members 2091
c) Total members 6136

2. SHARE CAPITAL

a) From Members 33.74

b) From State Government 3.25
c) Total Share Capital 36.99

3. RESERVES

a) Reserve Fund 0.06

b) Bad & Doubtfuldebt Reserve 12.97
c) Other Reserves 22.84
d) Total Reserves 35.87

4. UN DISBURSED PROFIT.IF ANY 0

5. OWNED FUNDS (2+3+4=5) 72.86

6. DEPOSITS

a) Deposits from state Govt 0

b) Deposits from lnstitutions 0
c) Depsits from individuals 0.42
d) Total Deposits 0.42

7. BORROWINGS

a) Normal schemes 0
b) Special schemes including NFS 306.08
c) Rural Housing 0.01
d) Other Borrowing (sc/st corpo.ect) 0.10
e) Total Borrowings 306.19
8. OTHER LIABILITIES 122.95
9. TOTAL LIABILITIES 544.00
10.LOAN ISSUES DURING THE YEAR
A: PURPOSE WISE
a) Agriculture Purpose 6.52
b) Non-Agriculture purpose 0
c) Loan issued out of deposits moblized 0
d) Total 6.52

B: SLAB WISE:
a) Up to 25000/- 0
b) Rs 25000 to 2.00 Lakhs 3.75
c) Above Rs 2.00 Lakhs 2.77
Total 6.52
11. LOAN OUTSTANDING
A: PURPOSE WISE
a) Agriculture Loans 154.44
b) Non-Agriculture purpose 0.17
Total 154.61
c) Loan issued out of Own Fund 2.21
B: SLAB WISE:
a) Up to 25000/- 5.00
b) Rs 25000 to 2.00 Lakhs 28.25
c) Above Rs 2.00 Lakhs 123.57
Total 156.82
12. NO OF LOAN ACCOUNTS AS ON 31-03-2016 185

13.a) INVESTMENTS 16.77

b) Cash and Bank Balance 7.18
c) Other Assets 363.23

14.TOTAL ASSETS (EXCLUDING CONTRA

544.00
ENTRIES IN BALANCE SHEET
15. DEMAND COLLECTION AND BALANCE
(AS AN 31-03-2016)
A: DEMAND
a) Current principal 28.62
b) Current Interest 20.92
c) Arrears Principal 26.42
d) Arrears Interest 17.10
e) TOTAL DEMAND 93.06

B COLLECTION
a) Current Principal 28.62
b) Current Interest 20.92
c) Arrears Principal 2.15
d) Arrears Interest 5.46
TOTAL COLLECTION 57.15

Balance ( Total Demand - Total Collection)

16. OVERDUE Prin Int Total
A: AGE WISE OVERDUE
a) One year overdue 0.41 0.06 0.47
b) Two year overdue 0.35 0.10 0.45
c) Three year overdue 1.63 0.50 2.13
d) Four year overdue 1.59 0.99 2.58
e) Fiver year overdue 3.80 2.85 6.65
f) Above 5 years overdue 16.49 7.14 23.63
TOTAL OVERDUE 24.97 11.64 35.91

B: SECTOR WISE OVERDUE

a) Minor irrigation 4.36
 b)
Farm Mechanisation 21.06
c)
Sericulture 1.02
d)
Horticulture / Plantation 0
e)
Diversified purposes 0.94
f)
Non farm sector 0.48
g)
Rural housing 0
h)
Land development 7.22
i)
Crop Loan 0.83
TOTAL 35.91
17. INCOME : PROFIT :

a)lnterest Received on Loans 26.47

b)lnterest Received on Deposit Loans 0
c)Interest Received on Bank Balance 0.02
d)Interest Received on Investments 0.47
e)Interest Received on other assets 0
f)Other income : Building Rent
Excess interest collected / Received
Administration fee.share fee.form fee. 0.40
Evaluation fee. Service charges.Recovery
charges etc.. Collected
TOTAL INCOME 27.36
18. EXPENDITURE / LOSS
I COST OF FUNDS
a) Interest paid on deposits 0
b) Interest paid on borrowings 0
i Interest paid to KSCARD BANK 14.61
ii provisions for interest payable to + ###
KSCARD BANK 141.55
iii provisions made during last year - 106.60
iv Amount debited to P & L a/c (i+ii-iii=iv) 34.95
c) Interest paid on other items if any 0
d) Total cost of funds (a+b+c=d) 34.95

II TRANSACTION COST
A STAFF EXPENDITURE
 a) Salaries and Allowance paid to Staf
(including the payment made to the 13.90
temporary / daily wages employees)
b) Others expenses relating to staf (i.e TA
and DA on official Tours Bonus /Medical 0.34
charges or any other payment
c) Provisions for salaries and
0.80
allowances and other expenditure
d) Total staf expenditure (a+b+c=d) 15.04
B NON STAFF EXPENDITURE
(i.e Rent,Electricity Insurance,postage,
stationery,Telephone,meeting expenditure
3.81
Repairs, Recovery charges, Audit fees,
Bank Charges Director charges,GBM
and other expenses etc )

C. PROVISION FOR NON STAFF EXP :

a) Depreciation on Assets : (i.e Building
0.53
Furniture & fixed Assets
b) Audit fee, If any 0.20
c) Incremental Bad debts 2.29
d) Others if any 0
e) Total (a+b+c+d=e) 3.02
D TOTAL TRANSACTION COST (A+B+C=D) 21.87
TOTAL EXPENDITURE (I+II 56.82
19 WORKING RESULTS
a) Profit during the year 2015-16 0
b) Loss during the year 205-16 29.46
c) Accumulated loss as the end of the
320.70
year 2015-16
d) Net profit as at the end of the
0
year 2015-16

20 WORKING CAPITAL
 (sum total of Balance sheet Assets
544.00
side - contra amount)

21
A STAFF PARTICULARS
a) General cadre officers (secretary,
0
Assistant secretary, Accountant)
b) Technical supervisors 0
c) Field supervisors (including temporary
supervisors)
d) Other staf (including/Daily wages
3
Employees
e) Total (a+b+c+d=e 4
f) Trained Staf 2
B BAD ASSETS ESTIMATED
a) By Bank 0
b) By Departmental Auditors 0

a) By Bank 0
b) By Departmental Auditors 0
 PER EMPLOYEE PRODUCTIVITY

Projection I No of Employees
for 2016-17 II Per Employee Productivity
4045 a Business ( Deposits +Loan Outstanding) 157.24
2091 b Loan Outstanding 156.82
6136 c Transaction cost( Total transaction 20.99
Cost - other income
d Interest Income 26.47
e Total Income 27.36
33.74 f Loan Accounts 185
3.25 g Working Capital
36.99

0.06
12.97
22.84
35.87

0
72.86

0
0
0.42
0.42

0
306.08
 0.01
0.10
306.19
122.95
544.00

6.52
0
0
6.52

0
3.75
2.77
6.52

154.44
0.17
154.61
2.21

5.00
28.25
123.57
156.82
185

16.77
7.18
363.23

544.00
 28.62
20.92
26.42
17.10
93.06

28.62
20.92
2.15
5.46
57.15

Pri Int Total

4.36
 21.06
1.02
0
0.94
0.48
0
7.22
0.83
35.91

26.47
0
0.02
0.47
0

0.40

27.36

0
0
14.61
###
141.55
106.60
34.95
0
34.95
 13.90

0.34

0.80

15.04

3.81

0.53

0.20
2.29
0
3.02
21.87
56.82

0
29.46
320.70

0
544.00

0
###

4
2

0
0

0
0
Projection Actuals for Projection
for 2015-16 2015-16 for 2016-17
4

39.31
39.21
5.25
6.62
6.62
6.84
46.25
136.00
Balance ( Total Demand - Total Collection)
16. OVERDUE Prin Int Total Pri Int Total
A: AGE WISE OVERDUE
a) One year overdue
b) Two year overdue
c) Three year overdue
d) Four year overdue
e) Fiver year overdue
f) Above 5 years overdue
TOTAL OVERDUE

B: SECTOR WISE OVERDUE

a) Minor irrigation
b) Farm Mechanisation
c) Sericulture
d) Horticulture / Plantation
e) Diversified purposes
f) Non farm sector
g) Rural housing
h) Genral Scheme
i) Others /Land devolpment
TOTAL
17. INCOME : PROFIT :

a)lnterest Received on Loans

b)lnterest Received on Deposit Loans
c)Interest Received on Bank Balance
d)Interest Received on Investments
e)Interest Received on other assets
f)Other income : Building Rent
Excess interest collected / Received
Administration fee.share fee.form fee.
Evaluation fee. Service charges.Recovery
charges etc.. Collected
TOTAL INCOME
18. EXPENDITURE / LOSS
I COST OF FUNDS
a) Interest paid on deposits
b) Interest paid on borrowings
i Interest paid to KSCARD BANK
ii provisions for interest payable to +
KSCARD BANK
iii provisions made during last year -
iv Amount debited to P & L a/c (i+ii-iii=iv)
c) Interest paid on other items if any _
d) Total cost of funds (a+b+c=d) _

II TRANSACTION COST
A STAFF EXPENDITURE
a) Salaries and Allowance paid to Staf
(including the payment made to the
temporary / daily wages employees)
b) Others expenses relating to staf (i.e TA
and DA on official Tours Bonus /Medical
charges or any other payment
c) Provisions for salaries and
allowances and other expenditure
d) Total staf expenditure (a+b+c=d)
B NON STAFF EXPENDITURE
(i.e Rent,Electricity Insurance,postage,
stationery,Telephone,meeting expenditure
Repairs, Recovery charges, Audit fees,
Bank Charges Director charges,GBM
and other expenses etc )

C. PROVISION FOR NON STAFF EXP :

a) Depreciation on Assets : (i.e Building
Furniture & fixed Assets
b) Audit fee, If any
c) Incremental Bad debts
d) Others if any
e) Total (a+b+c+d=e)
D TOTAL TRANSACTION COST (A+B+C=D)
TOTAL EXPENDITURE (I+II
19 WORKING RESULTS
a) Profit during the year 2016-17
b) Loss during the year 2016-17
c) Accumulated loss as the end of the
year 2016-17
d) Net profit as at the end of the
year 2016-17

20 WORKING CAPITAL
(sum total of Balance sheet Assets
side - contra amount)
21
A STAFF PARTICULARS
a) General cadre officers (secretary,
Assistant secretary, Accountant)
b) Technical supervisors
c) Field supervisors (including temporary
supervisors)
 d) Other staf (including/Daily wages
Employees
e) Total (a+b+c+d=e
f) Trained Staf
B BAD ASSETS ESTIMATED
a) By Bank
b) By Departmental Auditors

SL.NO Particulars Actuals for

2017-18
L.O.S Provision
I STANDARD ASSETS 0.25%
II SUB STANDARD ASSETS 10%
III DOUBTFUL ASSETS
a) (36-48 Months provision 20%)
b) (48-72 Months provision 30%)
c) Above 72 Months Provision 50%)
IV Loss Assets Provision 100%
TOTAL
 Projection for
2018-19
L.O.S Provision
 PER EMPLOYEE PRODUCTIVITY Projection Actuals for
for 2017-18 2017-18
I No of Employees
II Per Employee Productivity
a Business ( Deposits +Loan Outstanding)
b Loan Outstanding
c Transaction cost( Total transaction
Cost - other income
d Interest Income
e Total Income
f Loan Accounts
g Working Capital
Projection
for 2018-19