Performance of 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

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

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

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.

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:

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:

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.

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

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.

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

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.

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.

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.

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.

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%.

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

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.

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

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.)