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Bank Performance

Quarterly Performance up to June 2012

Quarterly Performance up to September 2012

 

State Level Banker's Committee of Bihar

Convenor - State Bank of India

BIRD'S EYE VIEW

Lead District Responsibility - Allocation of Districts to Banks

 

The State of Bihar comprises 38 districts. State Bank of India is the Convenor of The State Level Bankers' Committee. The lead bank responsibility of 38 districts has been allotted amongst the following 7 public sector banks.

 

 SL  Name of Banks  No. of Districts  Name of Districts
1.  State Bank of India 7 Supaul, Saharsa, Madhepura, Purnea, Araria, Kishanganj, Jamui.
2.  Central Bank of India 10 Gopalganj, Saran, Vaishali, Muzaffarpur, Darbhanga, East Champaran, West Champaran, Madhubani, Siwan, Katihar.
3.  Punjab National Bank  12 Patna, Bhojpur, Buxar, Rohtas, Kaimur (Bhabhua), Aurangabad, Gaya, Jehanabad, Arwal, Nalanda, Nawada, Lakhisarai.
4.  UCO Bank 4 Munger, Begusarai, Bhagalpur, Banka.
5.  Union Bank of India 2 Khagaria, Samastipur.
6.  Bank of Baroda 2 Sitamarhi, Sheohar.
7.  Canara Bank 1 Sheikhpura.
  TOTAL BANKS 38 SBI-7, PNB-12, CBI-10, UCO-4, BOB-2, UNION-2, CANARA-1

 

KEY INDICATORS

For All Banks in Bihar

Amount in Crores
SL Items 03/2008 03/2009 03/2010 03/2011 03/2012
1.  Branch Network 3735 3809 4173 4549 4860
2.  ATM Network - - - 1324 1898
3.  Deposits 68244 83048 98558 113909 138163
4.  Advances 22077 25294 31679 38723 50704
5.  CD Ratio 32.35 30.46 32.13 33.99 36.70
6.  Priority Sector Advances 14049 15774 21248 25230 32247
7.  Agricultural Advances 7718 8923 11916 13982 18290
8.  MSME Advances 1670 1867 3255 5747 6823
9.  Advances to Weaker Section 5301 5796 7966 9049 13023
10.  DRI Advances 33 31 32 51 92
11.  ACP-Agriculture Target 4880 7076 8727 15868 21102
12.  ACP-Agriculture Achievement 3701 5697 7163 10667 14958
13.  ACP-Priority Sector Target 8480 11486 13920 22159 28144
14.  ACP-Priority Sector Achievement 6608 8848 11560 16143 21345
15.  Total ACP Target 13100 17492 21128 37000 43200
16.  Total ACP Achievement 10508 13548 17537 25552 32416
17.  % Achievement of Total ACP 80.21 77.45 83.00 69.06 75.04

 

BRANCH AND ATM NETWORKS

As on 31st March, 2012

Status of the Branch Network & ATM Network grouped by population in the State as on March 31, 2012 was as under:

Category of

Banks

Branch Network ATM Network
Rural Semi-Urban Urban Total Rural Semi-Urban Urban Total
 Public Sector Banks 1426 796 758 2980 526 505 867 1898
 Regional Rural Banks 1335 187 72 1594 0 0 0 0
 Co-operative Banks 137 87 62 286 0 0 0 0
 Total 2898 1070 892 4860 526 505 867 1898

Performance of all Banks upto March 2012 under the Annual Credit Plan 2011-12

 

Sector/Scheme Banks with Lead Bank Responsibilities RRBs Others Total
SBI PNB CBI CAN UCO BOB UNION
Nos. of Lead Districts 7 12 10 1 4 2 2 ** ** 38
ACP Achievement (%) 89.51 89.03 80.20 92.32 62.78 88.01 98.46 71.41 53.29 75.04
Share in Targets (%) 20.68 10.66 9.32 4.69 3.87 2.55 1.85 22.20 24.18 100
Contribution (%) 24.67 9.96 12.65 5.77 3.24 2.99 2.42 21.13 17.19 100
Agriculture ACP Achiement (%) 80.17 83.82 76.83 85.90 93.30 83.04 98.23 69.61 48.45 70.88
Priority Sector Achievement (%) 95.76 94.29 77.20 89.38 79.10 94.02 97.78 67.48 57.99 75.84
KCC-New Achievement (%) 94.41 69.24 62.20 87.10 71.91 57.00 94.16 43.78 31.73 54.59
KCC-Renew Achievement (%) 78.40 80.97 77.00 51.50 118.39 94.14 94.93 150.81 79.50 102.85

 

ANNUAL CREDIT PLAN

Targets under Annual Credit Plan allocated by SLBC, Bihar for different Sectors

 

Amount in Crores
Sectors 2009-10 2010-11 2011-12
 Agriculture 8727.17 15868.11 21101.95
 MSME 1321.74 1947.3 2441.25
 OPS 3871.43 4343.62 4600.45
 TPS 13920.34 22159.03 28143.65
 NPS 7207.45 14840.97 15056.35
 GT 21127.79 37000.00 43200.00
(OPS-Other Priority Sectors, TPS-Total Priority Sectors, NPS-Non-priority Sectors)

 

TARGETS UNDER ANNUAL CREDIT PLAN

Bank-Wise

(Amount in Crores)
Targets 2009-10 2010-11 2011-12
Sector Comm

Banks

RRBs Co-op

Banks

Comm

Banks

RRBs Co-op

Banks

Comm

Banks

RRBs Co-op

Banks

Agriculture 5425.14 2141.73 1160.30 9111.14 5228.25 1528.72 12241.12 7013.24 1847.59
MSME 1146.50 156.20 19.04 1580.12 312.12 55.06 1974.42 447.73 19.10
OPS 3240.25 528.73 102.45 2636.45 1598.24 108.93 3186.79 1349.37 64.29
TPS 9811.89 2826.66 1281.79 13327.71 7138.61 1692.71 17402.33 8810.34 1930.98
NPS 6558.66 611.73 37.06 14139.98 552.57 148.42 14188.86 779.73 87.76
GT 16370.55 3438.39 1318.85 27467.69 7691.18 1841.13 31591.19 9590.07 2018.74
Year Total: 21,127.79 Year Total: 37,000.00 Year Total: 43,200.00

 

PERFORMANCE UNDER ANNUAL CREDIT PLAN

Sector-Wise

(Amount in Crores)
Sector 2009-10 2010-11 2011-12
Achievement %age Achievement %age Achievement %age
Agriculture 7163.26 82.08 10667.49 67.23 14957.91 70.88
MSME 1351.61 102.26 2324.85 119.39 2873.32 117.70
OPS 3044.86 78.65 3150.95 72.54 3514.04 76.38
TPS 11559.73 83.04 16143.29 72.85 21345.47 75.84
NPS 5977.16 82.93 9408.23 63.39 11070.65 73.53
GT 17536.89 83.00 25551.56 69.06 32415.92 75.04

 

PERFORMANCE UNDER ANNUAL CREDIT PLAN

Bank-Wise

(Amount in Crores)
Achievements 2009-10 2010-11 2011-12
Sector Comm

Banks

RRBs Co-op

Banks

Comm

Banks

RRBs Co-op

Banks

Comm

Banks

RRBs Co-op

Banks

AGL 4959.62

(91.42%)

1851.09

(83.39%)

352.55

(32.58%)

7057.67

(77.46%)

3187.90

(60.97%)

7057.67

(77.46%)

9689.15

(79.15%)

4881.90

(69.61%)

386.86

(20.94%)

MSME 1221.58

(106.55%)

1300.30

(83.32%)

0

(0%)

2093.59

(132.5%)

231.26

(74.09%)

2093.59

(132.50%)

2558.13

(129.56%)

315.19

(70.40%)

0.00

(0.00%)

OPS 2750.73

(84.89%)

293.53

(51.98%)

0.60

(0.90%)

2527.87

(95.88%)

623.08

(38.99%)

2527.87

(95.88%)

2765.84

(86.79%)

748.20

(55.45%)

0.00

(0.00%)

TPS 8931.93

(91.03%)

2274.65

(77.35%)

353.15

(30.24%)

11679.13

(87.63%)

4042.24

(56.63%)

11679.13

(87.63%)

15013.12

(86.27%)

5945.29

(67.48%)

386.86

(20.03%)

NPS 5563.22

(84.82%)

413.95

(65.26%)

0

(0%)

870779

(61.58%)

700.44

(126.76%)

8707.79

(61.58%)

10167.41

(71.65%)

903.24

(115.84%)

0.00

(0.00%)

GT 14495.14

(88.54%)

2688.60

(75.21%)

353.15

(29.87%)

20386.96

(74.22%)

4742.68

(61.66%)

20386.96

(74.22%)

25180.53

(79.70%)

6848.53

(71.41%)

386.86

(19.16%)

Total
Achievement
17536.89(83.00%) Total
Achievement
 25551.56

(69.06%)

Total
Achievement
 32415.92

(75.04%)

Commercial Banks in Bihar have been the major contributors in credit extension in different sectors under the Annual Credit Plan. Particularly under Agriculture Sectors, Commercial Banks have been extending loans as high as about 90% of the target fixed under the ACP. The rehabilitation package by the Government to RRBs in Bihar, and implementation of Vaidyanathan Committee's recommendation will certainly help particularly DCCBs to step up lending so as to enhance their shares in overall achievement under the Annual Credit Plan.

 

ANNUAL CREDIT PLAN 2011-12

Targets and Achievements for last 5 years

A brief profile of the targets and achievements made during the last 5 years as under is indicative of the commitments of banking industry towards development process in the state of Bihar.

(Amount in Crores)
Sector 2007-08 2008-09 2009-10 2010-11 2011-12
Target Achmt Target Achmt Target Achmt Target Achmt Target Achmt
AGL. 4880 3701 7076 5698 8727 7163 15868 10667 21102 14958
S.S.I 913 563 1050 653 1322 1352 1947 2325 2441 2873
O.P.S. 2688 2345 3360 2497 3871 3045 4344 3151 4600 3514
T.P.S 8480 6608 11486 8848 13920 11560 22159 16143 28144 21345
N.P.S. 4620 3905 6006 4700 7207 5977 14841 9408 15056 11071
Total 13100 10508 17492 13548 21128 17537 37000 25551 43200 32416

 

ANNUAL CREDIT PLAN 2012-13

 

The target of Rs. 51,400 crores was finalised for the year 2012-13. Sector-wise targets finalised under ACP 2012-13 is as under:

 

(Amount in Lakhs)
TARGETS UNDER ANNUAL ACP 2012-13
BANK AGL SME OPS TPS NPS ACP
Commercial 1467421 277091 323138 2067650 1735155 3802805
Co-operative 231918 64 88 232070 142 232212
Regional Rural 840713 62848 136830 1040391 64631 1105022
Total for Bihar 2540052 340003 460056 3340111 1799928 5140039

 

(Amount in Crores
TARGETS UNDER ACP 2012-13 vis--vis 2011-12
YEAR AGL SME OPS TPS NPS ACP
2011-12 21102 2441 4600 28144 15056 43200
2012-13 25400 3400 4600 33400 18000 51400
Growth 4300 950 0 5250 2950 8200
Growth (%) 20.38% 38.77% 0% 18.65% 19.60% 18.98%

 

The sector-wise targets finalised under ACP 2012-13 are:

 

(Amount in Lakhs
SL Bank Name AGL SME OPS TPS NPS ACP
1. State Bank Of India 361147 56863 99397 517407 557901 1075308
2. Central Bank Of India 247602 38955 32847 319404 165038 484442
3. Punjab National Bank 267339 41945 43451 352736 201626 554362
4. Canara Bank 60065 12821 14209 87095 156892 243987
5. UCO Bank 96905 15388 19987 132279 69101 201380
6. Bank Of Baroda 67449 10924 11693 90065 42504 132569
7. Union Bank Of India 41997 11212 8407 61616 34415 96031
8. Bank Of India 95881 18023 21282 135186 119984 255170
9. Allahabad Bank 92892 18980 18967 130839 88511 219350
10. Andhra Bank 4487 1031 1289 6806 5089 11895
11. Bank Of Maharastra 1160 327 456 1943 2066 4009
12. Corporation Bank 1408 693 742 2842 3686 6528
13. Dena Bank 4313 1536 1986 7835 5821 13656
14. Indian Bank 18092 4336 3386 25813 14703 40516
15. Indian Overseas Bank 10677 3049 2719 16446 13556 30002
16. Oriental Bank Of Commerce 7660 2121 2240 12021 9938 21958
17. Punjab & Sind Bank 1959 808 1179 3945 4151 8096
18. Syndicate Bank 14675 4528 5396 24599 16634 41233
19. United Bank Of India 37937 8272 7839 54048 29777 83825
20. Vijaya Bank 3371 1631 1520 6522 4844 11366
21. IDBI 6379 2893 2371 11643 12092 23735
22. State Bank Of Bikaner & Jaipur 1701 702 1277 3680 2969 6649
23. State Bank Of Patiala 272 81 264 617 3509 4126
24. ICICI Bank 8988 9652 8720 27360 64248 91608
25. Federal Bank 427 118 177 721 3507 4228
26. Jammu Kasmir Bank 427 118 177 721 3507 4228
27. South Indian Bank 427 118 177 721 3507 4228
28. ING Vysya Bank 427 118 177 721 3507 4228
29. AXIS Bank 5544 5499 4468 15511 42303 57814
30. HDFC Bank 4518 3996 5807 14321 39236 53557
31. IndusInd Bank 427 118 177 721 3507 4228
32. Karnataka Bank 427 118 177 721 3507 4228
33. Kotak Mahindra Bank 427 118 177 721 3507 4228
Total Commercial Bank 1467404 277089 323137 2067630 1735142 3802772
34. State Cooperative Bank 230325 0 0 230325 0 230325
35. Bombay Merch. Coop Bank 796 32 44 872 71 943
36. Tapendu Urban Coop Bank 796 32 44 872 71 943
Total Cooperative Bank 231917 63 89 232068 142 232210
37. Madhya Bihar Gramin Bank 277330 17477 30070 324877 22145 347022
38. Bihar Kshetriya Gramin Bank 65521 2345 15368 83235 13075 96310
39. Samastipur Ksh. Gramin Bank 41197 2300 1927 45425 2878 48303
40. Uttar Bihar Gramin Bank 456664 40725 89463 586851 26532 613383
Total Regional Rural Bank 840712 62847 136829 1040388 64630 1105018
Bank's Total For Bihar 2540033 339999 460054 3340086 1799914 5140001

 

(Amount in Lakhs
SL District Name AGL SME OPS TPS NPS ACP
1. Arwal 17969 1050 1501 20520 8436 28956
2. Aurangabad 84882 6759 8953 100594 31022 131615
3. Bhojpur 109904 7518 11676 129098 39797 168895
4. Buxar 109943 10049 8305 128297 26141 154439
5. Gaya 114158 11454 14692 140304 62578 202882
6. Jehanabad 28910 2430 4284 35623 12657 48280
7. Kaimur 78309 4034 5390 87734 20248 107982
8. Lakhisarai 24578 3980 4605 33164 12743 45907
9. Nalanda 74039 6389 6212 86639 37520 124159
10. Nawada 34611 580 7291 42482 22449 64932
11. Patna 92116 54270 110546 256931 511308 768240
12. Rohtas 103550 26908 11820 142278 35259 177537
13. Araria 68207 8861 4378 81446 25755 107201
14. Jamui 21872 1766 8359 31997 18749 50746
15. Kishanganj 70620 3761 7382 81763 17384 99147
16. Madhepura 40195 1410 3607 45212 25620 70832
17. Purnea 85020 8387 11602 105009 34602 139611
18. Saharsa 40182 2375 6765 49322 23744 73066
19. Supaul 32869 2381 7505 42754 27001 69755
20. Darbhanga 43314 3403 12066 58783 58259 117042
21. E.Champaran 93060 8796 20619 122474 57722 180196
22. Gopalganj 96596 1706 8684 106987 33318 140306
23. Madhubani 78235 12236 9928 100399 52011 152411
24. Mazaffarpur 108259 19440 19774 147473 81233 228706
25. Saran 105938 14756 12714 133408 51113 184521
26. Siwan 74421 7589 13472 95482 53282 148763
27. Vaishali 57765 7532 9613 74910 40012 114922
28. West Champaran 98116 32523 5860 136499 48477 184975
29. Katihar 75189 3606 7844 86639 56583 143222
30. Sheikhpura 14194 1081 1380 16656 6210 22866
31. Banka 34995 2886 12130 50011 20231 70242
32. Begusarai 110448 11819 26720 148987 42444 191431
33. Bhagalpur 65596 5772 14993 86361 48649 135010
34. Munger 26720 3666 14047 44433 37449 81882
35. Sheohar 8039 404 822 9265 5469 14734
36. Sitamarhi 51395 4398 5121 60914 40490 101404
37. Khagaria 49173 5794 4750 59717 18343 78060
38. Samastipur 116644 28235 14641 159519 55609 215128
  District Total 2540033 339999 460054 3340086 1799914 5140001

 

CREDIT DEPOSIT RATIO FOR 2011-12

 

The CD Ratio in the State as on 31/03/2012 is as under:

 

Amount in Crores
BANK DEPOSIT CREDIT C.D. RATIO
 Comm. Banks 120148 38754 32.26%
 Co-op. Banks 2830 2418 85.44%
 RRBs 15185 7041 46.37%
 Total 138163 48213 34.90%
 RIDF ----- 2491 ------
 Grand Total 138163 50704 36.70%

 

The overall C.D. Ratio in the State is 36.70 as on March'12. The C.D. Ratio of the State has been increasing consistently since March'04, which is as under:

 

Mar 2004 Mar 2005 Mar 2006 Mar 2007 Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012
26.81 29.86 32.10 34.38 32.35 30.46 32.13 33.99 36.70

 

Efforts to bring in huge investments for infrastructure development such as urban development, transport, tourism, civil aviation and industries need to be made, so that Banks may also commit themselves in the process whereby credit flow would automatically increase manifolds and which would also help increase C.D. Ratio in the desired way in the State. State Government should also utilise more and more money form the RIDF.

 

INCREMENTAL CD RATIO FOR LAST 5 YEARS

Amount in Crores
  Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012
Deposits 68,244 83,048 98,588 1,13,909 1,38,163
Advances including RIDF 22,077 25,294 31,679 38,723 50,704
CD Ratio 32.35% 30.46% 32.13% 33.99% 36.70%
Incremental CDR -- -- -- 45.98% 49.40%

 

BANK-WISE DEPOSIT ADVANCES & CD RATIO

IN RURAL SEMI-URBAN AND

URBAN AREAS IN BIHAR AS ON 31.03.2012

 

Amount in Crores
 BANKS RURAL SEMI-URBAN URBAN/METRO TOTAL
Deposit Adv CDR Deposit Adv CDR Deposit Adv CDR Deposit Adv CDR
 Comm. Banks 24941 8970 35.96 31188 9341 29.95 64038 17587 27.46 120148 38754 32.26
 RRBs 10970 5435 49.54 2778 1068 38.45 1436 538 37.45 15184 7041 46.37
 Co-op Banks 0 0 0 1587 797 50.25 1244 1621 130.34 2831 2418 85.44
 Total 35911 14404 40.11 35554 11207 31.52 66718 19746 29.60 138163 45357 32.83


In Bihar, Credit Deposit Ratio in rural areas is the highest followed by semi-urban and then urban areas.

 

KISAN CREDIT CARDS (KCC)

 

Kisan Credit Card (KCC) is the flagship scheme under agricultural financing not only in Bihar but also all over the Country. This scheme takes care of the production credit requirements of the farmers including credit requirements for the ancillary activities like maintenance of agricultural machineries/equipments, electricity charges etc. Under the scheme, credit is also extended to farmers for allied agricultural activities such as fisheries, poultry, piggery, sheep/goat rearing etc. What is the unique feature of the scheme is the provision of meeting the contingent needs of the farmers to a certain extent, relating to medical expenses, expenses on education of children, expenses relating to marriage ceremonies, births and certain religious ceremonies. This scheme is truly a scheme for farmers.
 

 

In Bihar, Kisan Credit Cards are helping most of the farmers to meet their credit requirements in a greater way than any other schemes. 

 

In view of the unique features of the scheme, financing under the scheme is placed at the highest level of priorities in the State, and Banks have been extending loans to farmers under the scheme with the same letter and spirit. In SLBC Meetings, performance of Banks under KCC is a permanent agenda item for discussion and review.

 

PERFORMANCE UNDER KCC

 

Banks 2009-10 2010-11 2011-12
Target

(Nos.)

Achieve-

ment

%age Target

(Nos.)

Achieve-

ment

%age Target

(Nos.)

Achieve-

ment

%age
Commercial Banks 861429 660997 76.73 1148574 653484 56.89 13,52,013 9,69,763 71.72
Regional Rural Banks 478571 397420 83.04 638093 475636 74.54 7,78,467 6,74,095 86.59
Co-Operative Banks 160000 281122 175.70 213333 273710 128.30 3,69,520 2,03,579 55.09
Total 1500000 1339539 89.30 2000000 1402830 70.14 2500000 1847437 73.90

 

Banks NEW KCC RENEW KCC 2011-12
Target

(Nos.)

Achieve-

ment

Target

(Nos.)

Achieve-

ment

Target

(Nos.)

Achieve-

ment

%age
Commercial Banks 8,11,209 5,79,456 5,40,804 3,90,307 13,52,013 9,69,763 71.72
Regional Rural Banks 4,67,080 2,04,488 3,11,387 4,69,607 7,78,467 6,74,095 86.59
Co-Operative Banks 2,21,711 34,946 1,47,809 1,68,633 3,69,520 2,03,579 55.09
Total 15,00,000 8,18,890 10,00,000 10,28,547 25,00,000 18,47,437 73.90

 

BANK-WISE TARGETS UNDER KCC FOR 2012-13

 

SL Name of Banks Target

  New KCC  

2012-13

Target

  Renew KCC  

2012-13

Target

  Total KCC  

2012-13

1. State Bank of India 199644 159714 359358
2. Central Bank of India 137562 110050 247612
3. Punjab National Bank 147868 118294 266162
4. Canara Bank 33371 26696 60067
5. UCO Bank 53838 43070 96908
6. Bank of Baroda 37473 29978 67451
7. Union Bank of India 23333 18666 41999
8. Bank of India 53269 42615 95884
9. Allahabad Bank 51609 41287 92896
10. Andhra Bank 2493 1994 4487
11. Bank of Maharastra 645 516 1161
12. Corporation Bank 782 625 1407
13. Dena Bank 2396 1917 4313
14. Indian Bank 10051 8041 18092
15. Indian Overseas Bank 5932 4746 10678
16. Oriental Bank of Commerce 4256 3405 7661
17. Punjab & Sind Bank 1088 871 1959
18. Syndicate Bank 8153 6523 14676
19. United Bank of India 21077 16861 37938
20. Vijaya Bank 1873 1498 3371
21. IDBI 3544 2835 6379
22. State Bank Of Bikaner & Jaipur 945 756 1701
23. State Bank of Patiala 151 121 272
24. ICICI Bank 4593 3675 8268
25. Axis Bank 2916 2333 5249
 26. HDFC Bank 2346 1877 4223
Commercial Banks - TOTAL 811207 648963 1460170
1. State Co-operative Bank 220052 176041 396093
2. Bombay M, Co-op. Bank 830 665 1495
3. TUCB 830 665 1495
Co-operative Banks - TOTAL 221712 177371 399083
1. Madhya Bihar Gramin Bank 154078 123262 277340
2. Bihar Kshetriya Gramin Bank 36402 29122 65524
3. Samastipur Kshetriya Gramin Bank 22888 18311 41199
4. Uttar Bihar Gramin Bank 253712 202970 456682
Regional Rural Banks - TOTAL 467080 373665 840745
TOTAL BANKS 1500000 1200000 2700000

 

SCHEME-WISE PERFORMANCE DURING 2011-12

 

 Scheme Name TARGET SANCTIONED DISBURSEMENT
Number Number Amount

(in Crores)

Number Amount

(in Crores)

 BIGWIS 23847 109 21753 97
 PMEGP 5298 4987 313 4887 306
 SGSY 13074 220128

(Including Individuals

and Individuals in Group)

317 220128 317
 SJSRY 1184 18 1039 11
 SHG 75000 22714 180 22714 180
 JLG 15000 5581 56 5581 57
 KCC 2500000 1847437 10333 1845109 10325
 Dairy 26091 355 26091 355
 Poultry 15656 2124 24 2109 24
 Fishery 22893 1187 20 1135 19
 Farm Mechanism Rs. 1156 Crores 11213 358 11178 358
 Storage Facility 240 251 230 236
 SRTO 11321 9914 358 9734 343
 CGTMSE 19691 648 19491 618
 Education Loan 26975 764 26820 525
 Housing Loan 12039 770 11916 638

 

In Bihar, SGSY is the biggest poverty alleviation programme, and Banks in coordination with the Rural Development Department, Government of Bihar have been participating in the scheme in a big way.


PERFORMANCE OF BANKS UNDER SGSY

 

Particulars 2009-10 2010-11 2011-12
NO AMT NO AMT NO AMT
Target 228360 570.85 278264 656.25 251554 764
Proposals Received 139403   10878   33804
Proposal Sanctioned 138392 344.14 10551 34.61 31969 316.27
Proposal Disbursed 138017 334.00     31969 316.27
Achievement in % (Sanction/Target) 60.29%   26.37%   87.51%
Achievement in % (Disbursement/Target) 58.51%   96.99%   87.51%
Proposal Returned/Rejected 302   327   1835
Proposal Pending for Disbursement 709       -


GROUP FINANCING UNDER SGSY

 

The Ministry of Finance, Government of India has introduced a mechanism to evaluate the development outcome of all the major programmes by way of converting financial outlays into measurable and monitorable outcome. In case of SGSY scheme, one item that is measurable and of immense significance is the total number of Swafojgari assisted (both the SHGs and the individuals). For the first time, apart from the financial targets, physical targets both for individuals and SHGs were allocated to Banks.

 

Performance under Group Financing under

SGSY vis--vis Physical Targets

 

2009-10 2010-11 2011-12
Target Achievement % Achievement Target Achievement % Achievement Target Achievement % Achievement
22836 23548 103.12 23710 20955 88.38 23848 19929 96.85

 

SHG Financing

(Under NABARD regular scheme)

 

(Amount in Crores)
Year Linkage of New Groups Bank Finance
During 2005-06 18,206 31.20
During 2006-07 26,517 82.54
During 2007-08 49,738 240.99
During 2008-09 25,696 211.44
During 2009-10 30,241 295.05
During 2010-11 26,055 198.13
During 2011-12 22,714 179.64

 

LOANS SANCTIONED BY BANKS UNDER

EDUCATION LOAN

 

2009-10 2010-11 2011-12
SANCTIONED SANCTIONED SANCTIONED
Number Amount (in Crores) Number Amount (in Crores) Number Amount (in Crores)
23,616 704.82 24,854 744.28 26,975 763.51


EXTENSION OF BANKING SERVICES TO VILLAGES HAVING POPULATION OF MORE THAN 2000 BY MARCH 2012

 

Bank have covered a total of 9,177 unbanked villages as against the target of 9,213 villages to be covered by March 2012. Thus, the remaining 36 un-banked villages (out of total 9,213 identified villages) have to be covered on urgent basis.

 

SL Name of the Bank Total

No. of Villages

Allotted

Achievement

up to

31-03-2012

No. of BC Appointed No. of BC Agents/

CSP Appointed

No. of Financial Inclusion

Accounts Opened

1. State Bank of India 1557 1557 7 1540 405839
2. Punjab National Bank 953 939 2 3 287643
3. Allahabad Bank 321 319 1 316 39673
4. Andhra Bank 1 0 -- 0 174
5. Bank of India 364 364 1 315 73431
6. Bank of Baroda 215 215 -- 141 48783
7. Canara Bank 153 153 1 140 98338
8. Central Bank of India 885 875 1 875 560706
9. Dena Bank 4 3 -- 3 463
10. Indian Bank 37 36 -- 36 1128
11. Indian Overseas Bank 3 3 -- 3 2281
12. Oriental Bank of Commerce 9 9 -- 9 5925
13. Syndicate Bank 35 35 -- 22 16010
14. UCO Bank 381 374 -- 374 86257
15. Union Bank of India+(mutual understanding with United Bank of India) 144+24 144+24 -- 168 76237
16. United Bank of India+(mutual understanding with Union Bank of India) 93-24 69 -- 69 35688
17. Bihar Kshetriya Gramin Bank 356 356 -- 3 150510
18. Madhya Bihar Gramin Bank 932 932 1 558 156572
19. Samastipur Kshetriya Gramin Bank 227 227 -- 3 8332
 20. Uttar Bihar Gramin Bank 2543 2543 -- 2543 890050
  Total for the State 9213 9177 14 7097 2944040


RECOVERY PERORMANCE OF BANKS

 

 BANKS 2009-10 2010-11 2011-12
Demand Recovery % Recovery Demand Recovery % Recovery Demand Recovery % Recovery
 Comm. Banks 5259.62 2125.03 41.45 7022.14 3300.98 47.01 10290.00 6082.00 59.00
 RRBs 1345.65 962.07 71.49 292.72 182.99 62.51 941.00 486.00 52.00
 Co-op Bank 636.02 255.34 40.15 1117.35 418.20 37.43 1145.00 774.00 68.00
 Total 7241.29 3397.64 41.33 8432.21 3902.17 46.28 12376.00 7342.00 59.00

 

CERTIFICATE CASES


As per information received by SLBC from banks, a total of 3,85,054 certificate cases are pending for disposal as on 31/03/2012 which involve a total amount of Rs. 1,434.53 crores. In this regard, Banks may instruct their branch functionaries to shortlist at least 10 high value certificate cases for effective and focused follow-up. The Government of Bihar is geared up to provide all sort of assistance in this regard.
 

POSITION OF PENDING CERTIFICATE CASES IN THE STATE

 

Amount in Crores
BANKS 2008-09 2009-10 2010-11 2011-12
No. Amount No. Amount No. Amount    
Comm. Banks 3,02,369 914.37 339375 7443.16 284531 1039.90 3,15,141 1349.31
RRBs 39,886 32.87 37399 34.29 37177 34.24 35,879 34.20
Co-Op Banks 12 0.85 0 0 4651 26.12 34,034 51.02
TOTAL 3,42,267 948.09 376772 7477.45 326359 1100.26 3,85,054 1434.53

 

PRIORITY SECTOR LENDING vis--vis NATIONAL BENCHMARK

 

As on 31/03/2011, the national benchmark of 40% in respect of the share of priority sector advances in over all advances has been achieved by Banks in the State. The ratio of priority sector advances to total advances is as high as 71.10%, which is well above the stipulated benchmark of 40%.

 

Amount in Crores
2008-09 2009-10 2010-11 2011-12
Total

Advance

Total

Priority

Sector Advance

% Priority

Sector

Advance to Total

Advance

Total Advance Total

Priority

Sector Advance

% Priority

Sector

 Advance to Total

Advance

Total

Advance

Total

Priority

Sector Advance

% Priority

Sector

Advance to Total

Advance

Total

 Advance

Total

Priority

Sector Advance

% Priority

Sector

 Advance to Total

Advance

24051.09 15773.81 65.58 29863.53 21247.50 71.15% 36298.77 25230.46 69.51% 45356.81 32247.11 71.10%

 

AGRICULTURAL CREDIT AS ON 31-03-2012

 

At the state level, the ratio of Agricultural Credit is at 40.32% against the national benchmark of 18%.

 

Amount in Crores
2008-09 2009-10 2010-11 2011-12
Total

Advance

Total

Agricultural

Sector Advance

% Agl

Sector

Advance

to

Total Advance

Total Advance Total

Agricultural

Sector Advance

% Agl

Sector

Advance

to

Total Advance

Total Advance Total

Agricultural

Sector Advance

% Agl

Sector

Advance

to

Total Advance

Total Advance Total

Agricultural

Sector Advance

% Agl

Sector

Advance

to

Total Advance

24051.09 9823.39 37.10 29863.53 11915.98 33.90% 36298.77 13981.70 38.52% 45356.81 18290.07 40.32%

 

DIFFERENTIAL INTEREST RATE (DIR):

 

The ratio of DIR advances to the total credit is only 0.20% amounting to 91.92 Cr against the benchmark of 1.0%. As per the Union Finance Minister's directives, all Banks have been requested to finance at least 10 beneficiaries per branch under the scheme. SLBC, Bihar has requested member Banks to monitor the progress in this regard so that the benchmark stipulated will be achieved. Financing under the scheme was not picking up due to non-availability of viable proposals under the existing ceiling of Rs. 6,500/-. Now the existing ceiling has been increased to Rs. 15,000/- and Rs. 20,000/- in case of housing. Banks will increase financing under the scheme. The ceiling of family income has also been increased to Rs. 18,000 per annum from the existing ceiling of Rs. 6,500 under the scheme. Further, financing under the scheme will also facilitate financial inclusion of the under privileged people of thee society.


WEAKER SECTION

 

Against the benchmark of 10% under weaker sections, performance of all Banks as on 31/03/2012 is 28.71%.

Amount in Crores
2008-09 2009-10 2010-11 2011-12
Total

Advance

Total Advance

to

Weaker Section

% Weaker

Section

Advance to Total

Advance

Total Advance Total Advance

to

Weaker Section

% Weaker

Section

Advance to Total

Advance

Total

Advance

Total Advance

to

Weaker Section

% Weaker

Section

Advance to Total

Advance

Total

Advance

Total Advance

to

Weaker Section

% Weaker

Section

Advance to Total

Advance

24051.09 5796.44 24.10 29863.53 7966.49 26.68 36298.77 9049.35 24.93 45356.81 13023.27 28.71%

 

CREDIT FLOW TO MSE ADVANCE

 

The total credit outstanding in respect of Medium and Small Interprises is Rs. 6823.10 crores as at the end of March'12 and the total credit disbursed during the financial year stands at Rs. 2873.32 crores against the disbursement of Rs. 2324.85 crores during the corresponding period of the previous year.

 

As per Finance Minister Directive, the SSI Sector advances should grow at the rate of 20% every year, the growth recorded as on March'12 over the level of 2011 stands at 18.72%.

 

(Outstanding Level as on March'12: Rs. 6823.10 cr, March'11: Rs. 5747.49 cr, March'10: Rs. 3255.20 cr, March'09: Rs. 1867.48 cr.)

 

  Click here to view Annual Credit Plan (ACP) 2012-13