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

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.

District Central Cooperative Banks, DCCBs, Net NPA, Gross NPA, Overdues, Collections, Outstanding Advances, CV, CAGR, ANOVA

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