PCARDBs |
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Share Capital |
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The total share capital of PCARDBs decreased to Rs.920 crore as on 31 March 2006 from Rs.927 crore as on 31 March2005 with a negative growth rate of 0.75%. |
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Resource Base |
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About 77% of the total resources of the PCARDBs were in the form of borrowings. |
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The outstanding borrowings of PCARDBs increased to Rs.13163 crore as on 31 March 2006 from Rs. 12847 crore as 31 March 2005 registering a growth rate of 2.5%. |
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The deposits of the PCARDBs decreased to Rs.380 crore as on 31 March 2006 from Rs. 394 crore as 31 March 2005 registering a negative growth rate of 3.5%. |
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| Credit Outreach |
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The loans outstanding increased to Rs.12880 crore as on 31 March 2006 from Rs. 12614 crore as 31 March 2005 registering a growth rate of 2%. |
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Recovery Performance |
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The loan recovery of PCARDBs decreased to 48% as on 30 June 2006 from 54% as on 30 June 2005. |
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| Costs & Margin |
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Average return on funds (all-India average) stood at 11.96 per cent for PCARDBs and average cost of funds at 8.21 per cent. |
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The transaction cost as a percentage to working fund stood at 2.07 per cent. |
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The net margin earned by the PCARDBs, continued to be negative at (-) 1.23% during 2005-06. |
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Profitability |
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331 PCARDBs earned profit of Rs. 327.87 crore and 194 PCARDBs incurred losses of Rs. 410.54 crore during 2005- 06. |
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Non-Performing Assets (NPAs) |
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The aggregate NPAs of PCARDBs as on 31 March 2006 were estimated at Rs. 4553.71 crore. |
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Percentage of gross NPAs of PCARDBs as a group increased to 35.36% from 33.42%. |
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Accumulated Losses |
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Accumulated losses of PCARDBs was Rs. 2672 crore as on 31 March 2006 as against Rs. 2466 crore as on 31 March 2005. |
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