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This is a Quantitative Study study.

September 17, 2025Open Access

Financial Stability and Risk Assessment of District Central Cooperative Banks: A Decadal Study of Chittoor, Krishna, and Srikakulam DCCBs in Andhra Pradesh.

Key Points

Chittoor DCCB shows stable operations, while Krishna and Srikakulam face higher volatility and credit risk.
Key indicators such as Gross NPAs and Net NPAs highlight varying performance among the banks studied.
Statistical analysis using ANOVA and CAGR provides insights into inter-bank performance differences.
Recommendations for enhancing credit monitoring are crucial for sustainable operations in cooperative banking.

Abstract

Abstract: This study examines the financial performance and asset quality of three District Central Cooperative Banks (DCCBs) in Andhra Pradesh—Chittoor, Krishna, and Srikakulam—over the period 2012–13 to 2022–23. Using key indicators including Outstanding Advances, Collections, Overdues, Gross NPAs, and Net NPAs, trends and growth patterns are analyzed for each institution. Statistical tools such as Mean, Standard Deviation, Coefficient of Variation (CV), Compound Annual Growth Rate (CAGR), and ANOVA are employed to assess inter-bank differences and performance stability. Findings indicate relatively stable and controlled operations at Chittoor DCCB, while Krishna and Srikakulam DCCBs exhibit higher volatility and increasing credit risk, especially evident in their NPA growth. The study underscores the need for targeted improvement in credit monitoring and loan recovery, with policy recommendations offered for sustainable cooperative banking operations.

Financial Stability and Risk Assessment of District Central Cooperative Banks: A Decadal Study of Chittoor, Krishna, and Srikakulam DCCBs in Andhra Pradesh.

Key Points

Abstract

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