THE BAGALKOT D.C.C BANK LTD., BAGALKOT.

NATIONAL FEDERATION OF STATE COOPERATIVE BANKS LTD., NAVI MUMBAI

ANNUAL PERFORMANCE AWARDS TO DCCBs FOR THE YEAR 2015-16

Questionnaire for DCCBs

(Rs. in lakhs)
A. Name of the DCCB: THE BAGALKOT D.C.C BANK LTD., BAGALKOT.

B. Address with PIN code: Sector No: 24, Navanagar Bagalkot,(Karnataka) PIN: 587 103.

C. Telephone Number/s and E-mail Address: 08354 235573,236443, (Fax: 08354 235571), Email: bdcchobagalkot@rediffmail.com

D. Whether the DCCB is Licenced: Yes

If Yes, please give Date and Licence Number: RBI licence : No.RPCD(BG)DCCB 28/2011-12 Dated: 15.12.2011
Sr. Parameters 2012-13 2013-14 2014-15 2015-16
No. (2) (3) (4) (5) (5)

Group I Resources Development (Total Marks: 12)

1. Owned Funds
(Share Capital and Reserves) 14814.72 17596.74 21813.46 23637.15
Growth over previous year (%) 27.36 18.78 23.96 8.36

2. Total Deposits (other than Cooperatives) 43639.13 50982.64 56639.09 70098.86

Growth over previous year (%) 28.86 16.82 11.09 23.76

3. % CASA Deposits to Total Deposits 23.52 25.05 24.23 21.79

4. Borrowings 42726.01 45693.83 64450.40 71884.75

Growth over previous year (%) 42.70 6.95 41.05 11.53

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Group II Outreach Extent of Involvement (Total Marks: 15)

1. Total Advances (DCCB Level) 120364.02 134727.58 155961.96 181679.86

Growth over previous year(%) 10.13 11.93 15.76 11.49

2. Agricultural Advances 68116.08 83251.95 100713.83 113759.48

(PACS level)
3. Advances to Small Farmers 35903.19 55218.56 61500.24 67719.50

Growth over previous year (%) 34.62 53.80 11.38 10.11

4. Allied Agri. Advances

(PACS level) 5599.96 4913.34 5192.85 6689.86
Growth over previous year (%) 181.30 0 5.69 28.83

5. Non-Farm Sector 52247.94 51475.63 55248.13 67920.38

Growth over previous year (%) 44.77 0 7.33 22.94

Group III Financial Inclusion (FI) by DCCB (Total Marks: 8)

a. No-Frills Accounts opened under FI 6803 6803 6803 6803

b. Number of KCCs issued under FI in the district 115870 144998 160138 196694

c. Number of SHGs linked to DCCB 1359 1776 2127 2407

d. Initiatives towards FI (Deposits, Credit, Insurance etc.) Yes Yes Yes Yes

e. No. of training/awareness programmes conducted under FI - - 07 09

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Group IV Recovery Performance (Total 8 Marks)

1. Overdues over three years: 1213.69 1243.47 1123.03 1109.39

of which: 10.83 26.04 1.38 4.22
a. Agriculture
b. Non-Agriculture 1202.86 1217.43 1121.65 1108.01

change over previous year

2. Recovery to Demand as on 30th June (PACS level) (%) 98.95 98.97 99.01 99.03

3. Recovery to Demand as on 30th June (DCCB Level) (%) 99.32 99.60 99.86 99.79

4. NPA (DCCB level) (%) 2.01 1.79 1.42 1.34

Group V - Prudential Norms (Total 14 Marks)

1. Asset Quality: Amt % Amt % Amt % Amt %

i. Standard Assets to total Assets - amount & % 89990.49 97.99 106060.8 98.21 138210.93 98.57 169811.60 98.67
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ii. Sub-Standard to total Assets - amount & % 618.73 0.67 706.01 0.65 823.09 0.58 1089.85 0.63
iii. Doubtful to total Assets -amount & %) 152.07 0.17 142.57 0.14 137.56 0.10 137.55 0.08
iv. Loss to total Assets - amount & % 1076.47 1.17 1087.21 1.00 1040.68 0.75 1072.71 0.62
2. Provisioning:
1510.24 100% 1557.35 100% 1578.36 100% 1735.58 100%
i. Required - total amount & %
ii. Actually made - total amount & % 5930.89 392.78% 7225.66 463.97% 7952.61 503.85% 7395.99 426.14%
3. i. Shortfall in SLR (Yes/No) (%) No No No No
ii. Shortfall in CRR (Yes/No) (%) No No No No
iii. Shortfall in CRAR (Yes/No) (%) No (9.05%) No(9.66%) No (9.37%) No (9.26%)
4. Net NPA (%) 0 0 0 0

5. Net Worth (%) 9.05 9.66 9.37 9.26

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Group VI Profitability (Total 10 Marks)

1. Yield on Assets as % to Working Capital (as on 31st March) 10.01 10.48 10.15 8.53

Profits over the previous year 423.69 1521.75 1615.70 407.33

(absolute figure)
2. Return on Equity (as on 31st March) (Net Profit / Owned Funds) 3.45 9.84 8.56 1.80

3. Cost of Management as % to Working Capital (as on 31st March) 1.77 2.15 1.35 1.68

Reduction over the previous year (%) 0.14 0 0.80 0

4. Risk Cost (as on 31st March) (Avg. Annual Incremental Bad 0 0 0 0

Debts /Avg. Advances Outstandings)
Reduction over the previous year (%) 0 0 0 0

5. Business per Employee 457.36 636.10 606.27 784.11

(as on 31st March)
Increase over the previous year (%) 32.13 39.08 0 29.33

Group VII Corporate Governance & Management Performance (Total 13 Marks)

(If Yes attach copies of documents as evidence for Sr. No. 2, 3, 5, 6,7, 9, 10, 11, 12 & 13 below)
1. Whether the BOD as per Fit & Proper Criteria? (Yes/No) Yes (Enclosed)

2. Whether Code of Conduct for Board of Directors framed? Yes (Enclosed)

(Yes/No)
3. Whether Vision and Mission Statement for DCCB framed? Yes Yes Yes Yes
(Yes/No)
4. Special audit of DCCB completed (Yes/No) Yes (Enclosed)

5. Amendment to Bye Laws (Yes/No) Yes (Enclosed)

6. Amendment to Rules (Yes/No) Yes Yes Yes Yes

7. Whether Audit Committee of the Board is constituted? Yes (Enclosed)
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 (Yes/No)
8. CEO as per Fit & Proper Criteria (Yes/No) No No No No

9. Investment Policy formulated (Yes/No) Yes (Enclosed)

10. HRD Policy formulated (Yes/No) Yes (Enclosed)

11. Whether ALM Policy has been formulated (Yes/No) Yes Yes Yes Yes

12. Risk Management Policy formulated (Yes/No) Yes Yes Yes Yes

13. Whether KYC Policy has been formulated/KYC Norms followed Yes (Enclosed)
by the DCCB (Yes/No)

Group VIII - Computerisation in DCCB (Total 8 marks)

1. Head office Computerisation: Yes Yes Yes Yes

i. Front Office (Yes/No)

ii. Back office(Yes/No) Yes Yes Yes Yes

2 Total No. of Branches 36 36 36 36

a. No. of Branches Computerised 36 36 36 36

b. Branches under Total Branch Automation (TBA) 36 36 36 36

The Bank is on Core Banking Solution(CBS) platform since 2013
3. No. of Branches not Computerised 0 0 0 0

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Group IX - Leadership Role (Total 7 marks)

i. Number of PACS in the District 223 225 229 240

ii. Of which, affiliated to DCCB 223 225 229 240

a. No. of PACS having full time paid Secretary in the district 223 223 224 234

b. No. of PACS having own office Premises 219 221 221 228

c. Establishment of PACS development fund by DCCB : Yes Yes Yes Yes

d. No. of PACS having Godown/Cold Storage facility 215 219 221 228

e. No. of PACS inspected by DCCB during the year 218 220 225 236

f. No. of PACS Computerised in the District 0 0 0 42

g. Whether monthly meetings with Secretaries of PACS are convened? (Yes Yes Yes Yes Yes
/ No)
Group X Special Achievements/ Social Goals/Innovative Schemes etc. of Financial Assistance has been extended to PACS for setting-up of Pure
the DCCB (5 marks-At the discretion of the Internal Committee/Jury)) Drinking Water unit,up to Rs.2.00 lakh per unit.
Provision has made for Godown construction to member societies bank.,up to
2.00 lakh.
Financial support has been given for computerization of PACS i.e 75% of the
total cost.
The bank has constituted Financial Literacy Center, and PACS Development
Cell.
Education tours have been conducted for CEOs of PACS.
The Bank has implemented the Scheme of PMFBY .
The Bank extended its services in disbursement of Farmers In-put Subsidy
released by Govt of India.

CHIEF EXECUTIVE OFFICER.