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Meeting Details

Agenda of 43rd SLBC Meeting to held on 16-02-2013  

 

Minutes of the 43rd Review Meeting of the State Level Bankers' Committee, Bihar

held on 16th February'2013 at Patna for quarter ended December'2012:

 

The 43rd review meeting of State Level Bankers’ Committee, Bihar was held on the 16th February, 2013 at Hotel Chanakya, Patna under the Chairmanship of Shri Sushil Kumar Modi, Deputy Chief Minister and Finance Minister, Government of Bihar. The meeting was also attended by Chief Secretary, GoB, Shri A.K.Sinha, Agriculture Production Commissioner, GoB, Shri Alok Kumar Sinha, Principal Secretary, Revenue & Land Reforms, GoB, Shri C. Ashokwardhan, Principal Secretary, Finance, GoB, Shri Rameshwar Singh, Principal Secretary, Co-operative, GoB, Shri Atul Prasad, Regional Director, RBI, Shri P.K.Jena, Chief General Manager, NABARD, Dr. D.V. Deshpande, Chief General Manager, SBI & Convenor SLBC, Shri Jeevandas Narayan and other senior functionaries of the State Government and Banks. 

 

The list of participants is enclosed as Annexure-I at the bottom of this page.

 

Delivering the keynote address, Shri Jeevandas Narayan, Chief General Manager, State Bank of India & Convenor, SLBC welcomed the Hon’ble Dy. Chief Minister & Finance Minister, Government of Bihar, Chief Secretary, GoB, senior functionaries of State Government and Banks and all others present in the meeting.

 

Shri Narayan briefly outlined the achievement of banks operating in the State as on 31st December 2012 under the Annual Credit Plan: 2012-13. He apprised the House that during the review period of F.Y. 2012-13, the Banks achieved approx 61% of their annual ACP target (Rs. 51400 Crore) registering a Y-o-Y growth of 39%. He affirmed that all banks were striving to achieve the annual ACP target for F.Y. 2012-13. Shri Narayan suggested that the State Government should consider launching Agriculture Loan Guarantee Scheme on the lines of CGTMSE, so that the bank branches confidently participate in disbursement of Agriculture loan and thereby help in the growth of credit extension in Agriculture segment.

 

On Financial Inclusion, the Chief General Manager, SBI informed the House that banking facilities have been extended to more than 25 lacs people through 10028 Business Correspondent Agents (BCAs) till December, 2012. He apprised the House that banking outlets had been opened in all the allotted villages with population above 2000 and opening of Brick & Mortar branches/USBs were in progress in the allotted villages with population above 5000/10000 in the State. He further informed the House that banks under instruction of RBI have prepared a roadmap for providing banking facilities in all villages by March, 2016.

Opening account of at least one member of each family was stated by the Chief General Manager, SBI as a big challenge for the bankers. He insisted that in order to provide credit into the beneficiarys’ accounts of 26 schemes through Direct Benefit Transfer, opening of account of all beneficiaries in bank branches is a must. He urged the State Government to provide the list of all beneficiaries village-wise to banks so that their account could be opened. Shri Narayan appreciated the Financial Inclusion tasks being undertaken by the RSETIs and FLCs in the State.
 

Shri Narayan expressed concern that 8% of total assets of banks had become NPA in the State and it was coming in the way of increasing pace of disbursal of loans by banks. He stated that the mounting NPAs was a serious concern for all bankers and requested the State Government to pay adequate attention towards recovery of bad loans and disposal of pending Certificate Cases. He requested the State Government to instruct their district-level authorities to co-ordinate with the banks in their recovery efforts so that banks would be encouraged to disburse more and more loans.

 

Shri Narayan also urged the State Government to provide security to banks and their staff, especially working in the remote areas on priority basis so that the banks are able to provide unhindered service to the people in a more secure environment.

 

Concluding the address, Shri Narayan thanked the Dy. Chief Minister and his entire team and the State Government authorities for the unstinted support and guidance provided to the bankers and also assured the State Government, on behalf of all banks, of continued commitment towards the development of the State.

 

Reviewing the performance of banks as on 31st December, 2012 under ACP 2012-13, the Deputy Chief Minister congratulated the banks for their overall good performance under ACP 2012-13 during the first nine months of F.Y. 2012-13. Shri Modi remarked that the performance under ACP of SBI, BoI and Regional Rural Banks needed further improvement. Shri Jeevandas Narayan, Chief General Manager, SBI clarified that disbursement of SBI under Priority Sector was good but poor disbursements under Non-Priority sector reflected in the overall decline in percentage achievement of target. All banks assured the House of more than 90% achievement of target under ACP in the F.Y. 2012-13.

 

Reviewing the district-wise achievement under ACP, Shri Modi pointed out that the performance of banks in Gaya, Katihar, Madhubani and Samastipur districts were much behind the target. Shri Modi urged LDMs and SDCs-Banking of these districts to bestow their due attention for improving performance of banks. Shri Modi praised the achievement of banks in Darbhanga district under ACP. LDM, Darbhanga clarified that sanction of a single big unit was the reason behind 98% achievement of the target in the district. Shri Modi stated that Market Share of Banks will also be taken into consideration while arriving at the incentive scheme for keeping Government deposits in banks. Shri Modi also stated that while finalizing incentive scheme to get Government deposits, the performance of banks at district-level would also be considered. In this connection, LDM Vaishali pointed out that in Vaishali district, large Government deposits were being kept in a few banks whose contribution towards the development of the district was very insignificant.

 

The House then reviewed the performance of banks under Education loan. Shri Modi pointed out that among Major banks, the performance of Central Bank of India and United Bank of India under Education Loan was not satisfactory; while the performance of Regional Rural Banks especially MBGB was praise- worthy. Shri Modi advised SDCs (Banking) to maintain register for proper recording of complaints received and their disposal. He expressed his happiness that the number of complaints related to Education loan had come down. Shri Modi advised banks to assist the students in obtaining PAN card and suitably instruct the branches to accept the Education loan applications even without PAN card, which may be obtained at the time of disbursement. He advised LDMs and SDCs (Banking) to see that all genuine applicants get Education loan. Reviewing the performance of banks under Housing loan, the Deputy Chief Minister informed the House that the State Government had signed MoU with SBI, CBI and BoI for financing housing loan to their employees. He urged other banks to sign MoU with the State Government in this regard. The representative of National Housing Bank urged banks to avail 1% interest subsidy under Housing Loan before 31st March, 2013.

 

On the issue of extension of Banking services to villages having population of 1600 to 2000 by March, 2013, Shri Modi expressed his displeasure over covering of only 145 unbanked villages out of 3052 unbanked villages as on 31st December, 2012. Shri Modi urged banks to cover all the allotted villages by providing banking facility thereat within stipulated time frame.

 

Reviewing the opening of a Brick and Mortar branch/ Ultra Small branch in villages having population of 5000/10000 and above, Shri Modi urged banks to ensure that USB in villages having 5000/10000 and above population is visited by at least one bank officer with laptop having VPN connectivity on all the working days in a week. However, bankers expressed that due to shortage of employees, at present it was not possible for bank officers to visit the USBs on all working days.

 

On the issue of establishment of USBs in LWE affected districts under the guidelines for Integrated Action Plan (IAP) for selected 9 tribal & backward districts under the state component of Backward Regions Grant Fund (BRGF), Shri Modi requested LDMs of concerned 9 LWE affected districts (Arwal, Aurangabad, Gaya, Jamui, Jehanabad, Kaimur, Munger, Nawada & Rohtas) to approach the District Magistrate for funding of capital cost for the establishment of USBs in the identified villages having population of above 2000. Shri Modi requested Banks to claim funding of capital cost so that VSAT could be installed at the USBs.

 

Highlighting the role of BCAs in improving the performance under ACP achievement of the State, Shri Modi urged bankers to look into the issues with regard to functioning of BCAs, as under:

  1. Connectivity problem at CSPs should be addressed.
  2. Remuneration payable to BCAs should be timely made by the BC.
  3. Joint visit by LDM & SDC (Banking) should be regularly made for monitoring the performance of BCAs.
  4. Issues raised by BCAs viz. low remuneration etc. should be looked into by banks to reduce attrition.
  5. Connectivity of CSPs to the CBS system of the Bank should be explored for providing benefits to the account holders at CSPs.

Reviewing the Bank-wise and District-wise details of BCAs engaged and transactions done by them, Shri Modi desired that a Sub-Committee of SLBC at State level should be formed to review the performance and functioning of the BCAs that would meet at quarterly intervals and discuss the problems faced by BCAs, remuneration payable to the BCAs, volume and nature of transactions handled by BCAs etc. Shri Satish Kumar Singh, Assistant General Manager, SLBC informed the House that the Sub-committee on ICT-based Financial Inclusion is already in existence.
 

Shri Jeevandas Narayan, Chief General Manager, State Bank of India emphasized that BCAs should be activated to increase the number of accounts handled by them to atleast 500 to make them viable. He also appreciated the functioning of some CSPs who are functioning almost like a regular Branch. However he pointed out that monitoring of functioning of CSPs in general, needed more attention.

 

Dr. D.V. Deshpande, Chief General Manager, NABARD stated that some banks are coming out with incentive scheme for the BCAs. He also suggested that after CBS of Co-operative Bank, they can also increase their presence through BCAs in the State and the BC related issues are already being discussed in detail at regular quarterly intervals.

On the issue of implementation of Direct Benefit Transfer in the State, Shri Satish Kumar Singh, Assistant General Manager, SLBC requested the State Government to arrange to issue instructions to District Magistrates to provide the scheme-wise list of beneficiaries along with their bank account details, preferably in digitized form, to LDMs. LDMs then would supply this information to the banks in the districts and Each Bank branch then would identify the beneficiaries within its service area who did not have a bank account and would ensure that their bank accounts are opened before 21st March, 2013. He also informed the House that a meeting of Bankers and State Government officials was convened on 21st August, 2012 wherein “Old Age Pension” scheme was chosen for starting the e-payment drive on a pilot basis by 7 Banks having lead responsibilities in the State in one district each. Shri Singh further informed that though the format for providing the data by GoB to the Banks had been provided by SLBC on 24th August, 2012, the concerned Government department had not provided the list of beneficiaries to the banks for opening their accounts. In the matter, Shri Modi opined that a meeting at Chief Secretary level should be organized to discuss and arrive at a policy decision on implementation of “Old Age Pension” scheme in the State. In the matter, Shri Satish Kumar Singh, Assistant General Manager, SLBC opined that a small scheme having less number of beneficiaries, should be chosen for starting the e-payment drive on a pilot basis in one district by banks having lead responsibility in that district.
 

Shri Mukesh Chandra Sharan, State Project Manager (MF), BRLPS informed the House that JEEVIKA has started an experiment with SBI’s BC named ‘SAVE’ in Gaya district for the benefits of SHG members. Some of the benefits provided by the BC to the SHG members included Financial Literacy, Account opening, Social Security benefits, Swawlamban Insurance Scheme etc. Dr. D.V. Deshpande, Chief General Manager, NABARD also apprised the House that NABARD had arranged a campaign for opening account of all Households in selected 5 villages in each district. In this process accounts of all Households had been opened in total 201 villages by Commercial Banks and Regional Rural Banks. He also requested Banks to start opening SHG accounts at BC outlets as being done by SBI. This will give a major boost to Bank- linkage campaign of SHGs.


Reviewing the performance of banks under KCC, the Deputy Chief Minister expressed his dissatisfaction over poor performance of UCO Bank, Allahabad Bank, MBGB and UBGB under New KCC. Shri Modi urged banks to renew all KCCs which were due for renewal after excluding defaulters. Shri Alok Kumar Sinha, Agriculture Production Commissioner, GoB, informed the House that only around 50% of loan applications generated by the State Government machinery during the current financial year, had been sanctioned by the banks. Shri Sinha suggested banks to make more intensive efforts for generating KCC loan applications on their own also. The Deputy Chief Minister then reviewed the district-wise performance under KCC and expressed his dissatisfaction over the performance under KCC in Araria, Arwal, Buxar, Gaya, Katihar, Kishanganj, Madhepura, Nalanda, Nawada and Purnea districts.

 

All LDMs were instructed to bring the bank-wise performance of their district under ACP and KCC from the next SLBC. Also LDMs and SDCs (Banking) should personally attend the SLBC meeting and they should not send their representative to attend SLBC meeting.
 

The problems faced by the branches in connection with KCC loan were then discussed. Lead District Manager, East Champaran stated that LPCs were not being issued in some blocks in East Champran district. Lead District Managers, Munger, Muzaffarpur and Buxar stated that shares of farmers in land were not being given in LPCs and LPCs were issued on the basis of affidavit of farmers. Lead District Manager, Siwan raised the issue of demarcation of land on LPC and stated that without chouhaddi i.e. boundary, Pre-Sanction Survey becomes a real problem. In the matter, Shri C. Ashokwardhan, Principal Secretary, Revenue & Land Reforms, opined that mentioning share on LPC was the responsibility of C.O. and he assured the House that he would look into the matter and take up the matter with concerned District Magistrates. In the matter, Shri Modi suggested that a meeting should be convened by the State Government to discuss LPC related problems and its solution. Shri Modi also suggested that KCC borrowers should be provided with ATM facility. Dr. D.V. Deshpande, Chief General Manager, NABARD informed the House that the last date for submitting claim of 1% interest subsidy provided by GoB for prompt repayment of KCC for F.Y. 2010-11 to NABARD was 28th February, 2013 and requested banks, who had not claimed yet, to submit their claim in this regard. In the matter, Shri Modi expressed his anguish and remarked that all concerned banks should claim 1% interest subsidy provided by GoB for prompt repayment of KCC for F.Y. 2010-11 to NABARD by 28th February, 2013 and pass the benefit to eligible farmers. The banks were also advised to submit data to SLBC regarding number of farmers eligible to get 1% interest subvention on prompt repayment.

 

The House then reviewed the performance of banks under Dairy, Fishery and Poultry activities. Reviewing the performance of banks under Dairy, Shri Modi remarked that Government of India had stopped allocating any subsidy amount under DEDS scheme for F.Y. 2012-13. Shri Modi informed the House that the State Government had decided to enhance its share of subsidy from 25% to 50% under Dairy scheme. He also requested the Agriculture Production Commissioner to take decision on providing subsidy to old dairy loans as the Government proposes to enhance the subsidy from 25% to 50% for new dairy loans only. In the matter Shri Jeevandas Narayan, Chief General Manager, SBI suggested that the Government of Bihar should send a copy of the notification in this regard to banks. Director, Fishery advised the House that Dena Bank was doing well under Fishery and tie-up with IDBI has been done for development of Fishery in the State.

 

On the issue of 100% insurance coverage of crop loans, Shri Modi urged banks to ensure that all crop loans disbursed to farmers were invariably insured so that the farmers could get benefit of insurance in case of crop failure. Shri Atul Prasad, Principal Secretary, Co-operative, GoB urged that banks should provide the list of insured farmers to Insurance companies in time. The Insurance Company representative advised the House that only loans sanctioned upto 31st January, 2013 could be covered under WBCIS for Rabi season. Shri Rameshwar Singh, Principal Secretary, Finance, GoB suggested that the claims of agriculture crop insurance should be directly credited into the beneficiary’s account. In the matter, Shri Jeevandas Narayan, Chief General Manager, SBI remarked that SLBC, Bihar would take a confirmation from all banks and LDMs operating in the State that the amount of crop insurance claims received from Insurance companies till 31st December, 2012, had been credited into the concerned beneficiary’s account.

 

Reviewing the performance of banks under Farm Mechanisation, Shri Modi urged banks to increase the pace of finance under Farm Mechanisation so that the target could be achieved. On bank’s demand of providing Cash Subsidy to farmers who purchase Tractors through Bank Loan, Shri A. K. Sinha, Chief Secretary, GoB, suggested that banks should complete all formalities in this regard before the camp and handover the cheque/draft etc. in the camp so that the farmers get the benefit of the cash subsidy being provided by the government.

 

Thereafter, Shri A. K. Ralhan, COO, CERSAI made a presentation on “Central Registry of Securitization Asset Reconstruction & Security Interest of India (CERSAI)”. The presentation was very informative and covered all aspects of CERSAI. Shri Ralhan requested all banks in the State to arrange for registration of all types of charges on central Registry and utilize the services provided by CERSAI in this regard in order to prevent multiple financing on the same asset. He also requested SLBC to quarterly monitor the progress made by banks towards registration of their charges with CERSAI.

 

During the course of review of performance of banks under SHG, Dr. D.V. Deshpande, Chief General Manager, NABARD informed the House that MoU had been signed between Bihar Rural Livelihood Promotion Society (BRLPS) and the Banks operating in the 15 LWE affected Districts for promotion and establishment of Self Help Groups (SHG). Dr. Deshpande further informed the House that NABARD had granted Rs. 1 Crore each to the BRLPS for linkage of 1000 SHGs in each of the 15 LWE affected districts. He urged banks to encourage financing JLGs as recovery percentage under this mode was very good. Shri Mukesh Chandra Sharan, State Project Manager (MF) informed the House that JEEVIKA was presently working in 116 Blocks in 21 districts and by the end of next F.Y.2013-14, 1.00 Lac SHGs would be credit-linked. He assured that JEEVIKA was likely to complete formation of 1000 SHGs in 12 of the 15 LWE affected districts, by the end of the present financial year. He further informed the House that approximately 1.50 Lacs women SHG members had so far been insured by JEEVIKA with micro insurance scheme of LIC.
 

Md. Ejaz Ahmad, Programme Manager, WDC intimated the House that WDC is active in 66 Blocks in 18 districts till date. He further informed the House that approx 7200 SHGs have been credit linked by banks upto December, 2012 during the current financial year and performance of MBGB in this regard is excellent. He also requested banks to adopt Combo form, a composite form for savings & credit-linkage for SHGs, as in vogue in MBGB.

 

The Chief Secretary, GoB stated that credit-extension under Agri Sector by Banks require more focussed attention for proper growth of Agriculture in the State. He opined that banks should improve their performance under Dairy, Fishery and Poultry activities. Shri Sinha suggested SLBC to hold a meeting on monitoring the performance and progress of banks in Animal Husbandry activities.

 

To improve the overall functioning of RSETIs in the State it was decided that all branches should sponsor at least 5 trainees in a financial year to their respective RSETIs and credit-linkage of at least 5 RSETI trained persons should also be ensured by each branch in a financial year.
 

Before concluding the meeting, the Dy Chief Minister once again congratulated the banks for their overall good performance under ACP 2012-13 during the first nine months of F.Y. 2012-13 and emphasized on the following action points:

  • Banks should put in concerted efforts to ensure at least 95% achievement of targets set under ACP for FY: 2012-13.
  • In order to improve the performance of low performing districts in achievement of ACP, Banks should monitor the performance of branches district-wise.
  • ACP target of F.Y. 2013-14 should be fixed by a committee. While fixing the target of Co-operative Banks and other small banks, their performance during the last year should also be considered.
  • Banks to submit, within 15 days, their suggestions on incentive scheme to get Government funds so that the State Government could finalise the incentive scheme at an early date.
  • Banks and respective LDMs should put in concerted efforts to improve the CD ratio of 4 districts viz. Bhojpur, Munger, Saran and Siwan, where CD ratio is less than 25%.
  • The functioning/ conduct of CSPs of BCs should be monitored and reviewed at periodical intervals. The electricity and connectivity problems faced by CSPs & USBs should be looked into and resolved by banks.

The meeting concluded with a vote of thanks to all concerned by Shri S. C. Singh, Zonal Manager, Central Bank of India. Shri S.C.Singh thanked the State Government, RBI and NABARD for the support provided to the banks in the State and assured of good performance by banks during the financial year.

 

 

43rd S.L.B.C. MEETING ON 16-02-2013 : ACTION POINTS

 

 SL Points Action
1. Banks should put in concerted efforts to ensure at least 95% achievement of target set under ACP for FY: 2012-13. All Banks
2. Banks to monitor branch-wise performance to improve ACP achievement & CD ratio in low performing districts. All Banks
3. Banks to ensure that the amount of crop insurance claims received from Insurance companies till 31st December, 2012, are credited into the concerned beneficiary’s account and submit a certificate in this regard to SLBC. All Banks
4. All concerned Banks should put in concerted efforts for covering all the 3052 unbanked villages having population of 1600 to 2000 by providing banking facility by March, 2013. All Concerned Banks
5. State Government to consider launching Agriculture Loan Guarantee Scheme on the lines of CGTMSE. State Government
6. State Government to arrange to issue instructions to District Magistrates to provide the scheme -wise list of beneficiaries along with their bank account details, preferably in digitized form, to LDMs and LDMs, in turn, to supply this information to the banks in the districts in order to open the beneficiarys’ accounts and provide credit into the beneficiarys’ accounts of 26 schemes through Direct Benefit Transfer before 21st March, 2013. State Government, All LDMs & All Banks
7. LDMs and SDCs (Banking) to personally attend the SLBC meeting. All LDMs & SDCs (Banking)
8. Bank Branches to assist the students in obtaining PAN card and accept the Education loan applications even without PAN card, which may be obtained at the time of disbursement. All Banks
9. State Government to convene a meeting to discuss LPC related problems and its solution. State Government
10. LDMs of concerned 9 LWE districts (Arwal, Aurangabad, Gaya, Jamui, Jehanabad, Kaimur, Munger, Nawada and Rohtas) to approach the District Magistrate for funding of capital cost for the establishment of USBs in the identified villages having population of above 2000 under the guidelines for Integrated Action Plan (IAP) for selected 9 tribal & backward districts under the state component of Backward Regions Grant Fund (BRGF). Banks to claim funding of capital cost so that VSAT could be installed at the USBs in this regard. All concerned Banks & LDMs of concerned districts
11. State Government to provide security to banks and their staff, especially working in the remote areas on priority basis so that the banks are able to provide unhindered service to the people in a more secure environment. State Government
 12. Banks to pay adequate attention towards recovery of bad loans and disposal of pending Certificate Cases. State Government to instruct their district-level authorities to co-ordinate with the banks in their recovery efforts. Banks & State Government
13. Monitoring of the progress made by banks towards registration of their charges with CERSAI to be done. SLBC, Bihar
14. A meeting on monitoring the performance and progress of banks under Animal Husbandry activities to be held. SLBC, Bihar
15. All Bank Branches to sponsor at least 5 trainees in a financial year to their respective RSETIs and also credit-linkage of at least 5 RSETI trained persons to be ensured by each branch in a financial year. All Banks
16. ACP target of F.Y. 2013-14 to be fixed by a committee. While fixing the target of Co-operative Banks and other small banks, their performance during the last year also to be considered. SLBC, Bihar
17. Banks to submit, within 15 days, their suggestions on incentive scheme to get Government funds to SLBC for onward submission to the State Government so that the State Government could finalise the incentive scheme at an early date. All Banks & SLBC, Bihar
18. Complaints received at district level should be properly recorded with the action taken and disposal date. All SDCs (Banking)
19. Meeting to be organized for discussing and arriving at policy decision on implementation of ‘Old Age Pension’ scheme in the State. State Government, GoB

 

 

ANNEXURE - I

State Level Bankers’ Committee, Bihar

43rd SLBC Meeting Held on the 16th February, 2013

Meeting Chaired By

Shri Sushil Kumar Modi, Hon'ble Dy. Chief Minister & Finance Minister, Bihar

Convenor

Shri Jeevandas Narayan, Chief General Manager, SBI

 

List of Participants

 

 SL  Participants Designation
1. Mr. A.K.Sinha Chief Secretary, Govt. of Bihar
2. Mr. Alok Kumar Sinha Agriculture Production Commissioner, GoB
3. Mr. C. Ashokwardhan Principal Secretary, Revenue & Land Reforms, GoB
4. Mr. Rameshwar Singh Principal Secretary, Finance, Govt. of Bihar
5. Mr. Atul Prasad Principal Secretary, Co-operative, Govt. of Bihar
6. Mr. P.K.Jena Regional Director, RBI
7. Dr. D.V.Deshpande Chief General Manager, NABARD
8. Mr. C.S.Azad General Manager, Reserve Bank of India
9. Mr. Samir Kumar Bhattacharyya General Manager, State Bank of India
10. Mr. N.R. Parmar General Manager, State Bank of India
11. Mr. A.K.Ralhan COO, CERSAI
12. Mr. S.S.Banerjee General Manager, Punjab National Bank
13. Mr. B.M.Trehan General Manager, Canara Bank
14. Mr. J.K.Gupta Deputy General Manager, Punjab National Bank
15. Mr. S.K.Rai Zonal Manager, Central Bank of India
16. Mr. S.C.Singh Zonal Manager, Central Bank of India
17. Dr. S.K.Nandi Deputy General Manager, UCO Bank
18. Mr. J.K.Swain DGM & Zonal Head, Allahabad Bank
19. Mr. K.B.Jain DGM & ZM, Bank of India
20. Mr. D.Padhi Deputy General Manager, NABARD
21. Mr. V.K.Gupta Deputy General Manager, Oriental Bank of Commerce
22. Mr. Sudhir Kumar Sinha D.G.M & C.R.M, United Bank of India
23. Mr. R.P.Singh Deputy General Manager, Bihar State Co-op. Bank
24. Mr. Manoj K. Jaiswal DGM & Zonal Head, ICICI Bank Ltd.
25. Mr. P.Srinivas Circle Head, Axis Bank
26. Mr. B.S.Harilal Chairman, Uttar Bihar Gramin Bank
27. Mr. Sanjiv Sharan Chairman, Madhya Bihar Gramin Bank
28. Mr. A.S.Shekhawat Chairman, Bihar Gramin Bank
29. Mr. B.N.Lal J.D, A. Husbandry, GoB
30. Mr. Anil Kumar Singh Director, Dairy, Animal & Fisheries Res., GoB
31. Mr. Nishat Ahmed Director, Fisheries, Animal & Fisheries Res., GoB
32. Mr. Shailesh Thakur Director, Industries, GoB
33. Mr. Devendra Kumar Verma Director, Land Acquisition, Rev. & L.R.Deptt., GoB
34. Mr. Shailendra Nath Sinha AIG, Registration, Registration Deptt, GoB
35. Mr. Ashok Priyadarshi Dy. Secretary, Institutional Finance, GoB
36. Mr. N.B.Dattatreya Assistant General Manager, Reserve Bank of India
37. Mr. Satish Kumar Singh Assistant General Manager-SLBC, State Bank of India
38. Mr. S.P.Singh Assistant General Manager, State Bank of India
39. Mr. Girija Shanker Assistant General Manager, State Bank of India
40. Mr. Ved Prakash Assistant General Manager, SIDBI
41. Mr. S. Banerjee AGM, State Bank of Bikaner & Jaipur
42. Mr. Sudhir Kumar Singh Assistant General Manager, Union Bank of India
43. Mr. B.R.Kashyap Assistant General Manager, Syndicate Bank
44. Mr. S.R.Mishra Zonal Head, Corporation Bank
45. Mr. Siddhartha Kumar AGM, IDBI Bank
46. Mr. Sanjeev Kaushal AGM, IDBI Bank
47. Mr. Sandeep Gautam DVP & Cluster Head, HDFC Bank Ltd.
48. A.Ananthan Regional Operations & Service Head, ING Vysya Bank Ltd.
49. Mr. R.K.Sharma Advisor (Planning), Land Development Bank
50. Mr. Mukesh Kr. Sinha OSD, Rural Dev. Deptt., GoB
51. Mr. S.P.Nayak DRM, Bank of Baroda
52. Mr. J.Mohapatra DRM, Bank of Baroda
53. Mr. Anil Kumar Singh Assistant Director, MSME- DI, Patna
54. Mr. Shital Pd. Gupta Superintending Engineer, MWRD, GoB
55. Mr. L.N. Jha State Project Coordinator, Monitoring Cell for RSETIs
56. Mr. Ravindra Ram Senior Deputy Collector(Banking), Araria
57. Mr. Kishor Kumar Senior Deputy Collector(Banking), Arwal
58. Mr. K.A.Singh Senior Deputy Collector(Banking), Aurangabad
59. Mr. Prabhat Kumar Senior Deputy Collector(Banking), Banka
60. Mr. K.K.Yadav Senior Deputy Collector(Banking), Begusarai
61. Mr. Avinash Kumar Senior Deputy Collector(Banking), Bhagalpur
62. Mr. Arun Prakash Senior Deputy Collector(Banking), Buxar
63. Mr. Govind Choudhary Senior Deputy Collector(Banking), Darbhanga
64. Mr. Vinod Kumar Senior Deputy Collector(Banking), East Champaran
65. Mr. Ranjeet Kumar Senior Deputy Collector(Banking), Gaya
66. Mr. Baleshwar Prasad Senior Deputy Collector(Banking), Gopalganj
67. Md. Safique Senior Deputy Collector(Banking), Jahanabad
68. Mr. Prabhu Das Senior Deputy Collector(Banking), Jamui
69. Mr. Sanjeev Ranjan Senior Deputy Collector(Banking), Kaimur
70. Md. Umair Senior Deputy Collector(Banking), Khagaria
71. Mr. Prem Kant Senior Deputy Collector(Banking), Kishanganj
72. Mr. Aman Kumar Suman Senior Deputy Collector(Banking), Madhubani
73. Mr. Akhilesh Kumar Senior Deputy Collector(Banking), Munger
74. Mr. Aditya Kumar Jha Senior Deputy Collector(Banking), Muzaffarpur
75. Mr. Ravi Kant Sinha Senior Deputy Collector(Banking), Nalanda
76. Mr. Bharat Bhushan Prasad Senior Deputy Collector(Banking), Nawada
77. Mr. Dhananjay Kumar Senior Deputy Collector(Banking), Patna
78. Mr. M.K.Jha Senior Deputy Collector(Banking), Purnea
79. Mr. Rajesh Kumar Singh Senior Deputy Collector(Banking), Rohtas
80. Mr. Anil Kumar Tiwari Senior Deputy Collector(Banking), Saharsa
81. Mr. Santosh Kumar Jha Senior Deputy Collector(Banking), Samastipur
82. Md. Mumtaz Alam Senior Deputy Collector(Banking), Saran
83. Md. Imran Senior Deputy Collector(Banking), Sheikhpura
84. Mr. B.K.Paswan Senior Deputy Collector(Banking), Sheohar
85. Mr. Shambhu Nath Senior Deputy Collector(Banking), Siwan
86. Mr. Sandeep Kumar Senior Deputy Collector(Banking), Supaul
87. Mr. Sanjay Kumar Senior Deputy Collector(Banking), Vaishali
88. Mr. Vinay Kumar Thakur Senior Deputy Collector(Banking), West Champaran
89. Mr. M.P.Bhagat Dy.Director (Banking), Institutional Finance, GoB
90. Dr. Binod Kumar Mall SVO, Animal Husbandry, GoB
91. Miss Kalpana Kumari Assistant Director, Land Record & Survey, GoB
92. Mr. M.C.Sharan SPM (MF), JEEVIKA
93. Md. Ejaz Ahmad PM, Women Development Corporation
94. Mr. D.K.Sinha Lead District Manager, Araria
95. Mr. G. Pradhan Lead District Manager, Arwal
96. Mr. M.N.Mishra Lead District Manager, Aurangabad
97. Mr. R.K.Sinha Lead District Manager, Begusarai
98. Mr. O.P.Sharma Lead District Manager, Bhagalpur
99. Mr. B.P.Gupta Lead District Manager, Bhojpur
100. Mr. S.Bhanja Lead District Manager, Buxar
101. Mr. Shatrughan Prasad Lead District Manager, Darbhanga
102. Mr. Dinesh Chandra Lead District Manager, East Champaran
103. Mr. Anjan Chattopadhyay Lead District Manager, Gaya
104. Mr. M.P.Rathaur Lead District Manager, Gopalganj
105. Mr. A.K.Choudhary Lead District Manager, Jamui
106. Mr. Ajay Coomar Lead District Manager, Jehanabad
107. Mr. M.S.Tuli Lead District Manager, Kaimur
108. Mr. S Choudhary Lead District Manager, Katihar
109. Mr. Santosh Kumar Lead District Manager, Khagaria
110. Mr. S.K.Haldar Lead District Manager, Lakhisarai
111. Mr. Hare Ram Mishra Lead District Manager, Madhepura
112. Mr. S.K.Biswas Lead District Manager, Madhubani
113. Mr. S. B. Mishra Lead District Manager, Munger
114. Dr. Hare Krishna Jha Lead District Manager, Muzaffarpur
115. Mr. P.K. Kanaujiya Lead District Manager, Nawada
116. Mr. Ram Phal Punia Lead District Manager, Patna
117. Mr. Rajendra Prasad Paswan Lead District Manager, Purnea
118. Mr. M K Nanda Lead District Manager, Rohtas
119. Mr. Sunil Kumar Roy Lead District Manager, Samastipur
120. Mr. R N Bharti Lead District Manager, Saran
121. Mr. Arvind Kumar Lead District Manager, Sheikhpura
122. Mr. Philip Patrick Lead District Manager, Sheohar
123. Mr. Navendu Kumar Lead District Manager, Sitamarhi
124. Mr. A.K.Sinha Lead District Manager, Siwan
125. Mr. Ranjit Singh Lead District Manager, Vaishali
126. Mr. A. K. Jha Lead District Manager, West Champaran
127. Mr. V.K.Nanda Chief Manager, Punjab National Bank
128. Mr. Vikash Krishna Chief Manager, Bank of India
129. Mr. S.K.Sinha Chief Manager, Dena Bank
130. Mr. B.Bandyopadhyay Chief Manager, Indian Bank
131. Mr. A N Singh Chief Manager, Indian Overseas Bank
132. Mr. T.K.Panda Chief Manager, Andhra Bank
133. Mr. Nand Kumar CM, State Bank of Bikaner & Jaipur
134. Mr. Saurav Kumar Chief Manager, Kotak Mahindra Bank Ltd.
135. Mr. Ram Avtar DM, Canara Bank
136. Mr. A.K.Singh General Manager, UBGB
137. Mr. K.B.Singh General Manager, MBGB
138. Mr. Vijay Kumar Senior Manager, National Housing Bank
139. Mr. Pankaj Kumar Senior Manager, Punjab National Bank
140. Mr. Saminder Singh Senior Manager, Punjab & Sind Bank
141. Mr. Abinash Tanti Senior Manager, Syndicate Bank
142. Mr. Ajey Kumar Jha Senior Manager, United Bank of India
143. Mr. P.K.Jaiswal Senior Manager, Bihar Gramin Bank
144. Mr. R.R.Kumar Senior Manager, Canara Bank
145. Mr. N.B.OJha Senior Manager, Vijaya Bank
146. Mr. Amit Suraj Branch Head, ING Vysya Bank Ltd.
147. Mr. Sudhir Srivastava AVP & Agri Business Centre Head, Axis Bank Ltd.
148. Mr. Rahul Kumar Manager (R & AB), Bank of Baroda
149. Mr. Sanjeev Kumar Jha Manager, Punjab National Bank
150. Mr. R.K.Sinha Manager, Allahabad Bank
151. Kumar Manvendra Manager, Indian Bank
152. Mr. Akash Kumar Manager (Administration), Federal Bank
153. Mr.Zubair Rasool Manager, J&K Bank
154. Kunal Parashar Manager, HSBC Bank
155. Mr. J.R.Cubelio Branch Manager, South Indian Bank Ltd.
156. Mr. Bishnu Deo Dy. Manager, Lead Bank Office, Saharsa
157. Mr. R.K.Singh Dy. Manager, Lead Bank Office, Nalanda
158. Mr. Amit Anand DM, Axis Bank
159. Mr. Abhishek Kumar Asstt. Br. Manager, Karnataka Bank Ltd.
160. Mr. Binod Kumar Pandey A.O. (Micro Insurance), LICI, ECZO, Patna
161. Mr. A.N.Jha CO (RD), C.B.I.,Z.O., Patna
162. Mr. V.K.Prabhakar Assistant Manager, Union Bank of India
163. Mr. Ashish Kumar Assistant Manager, AIC of India Ltd.