agenda: 1 118th slbc - slbctn.com slbc agenda.pdfagenda: 1 129th slbc confirmation of the minutes of...

AGENDA: 1 129th SLBC

CONFIRMATION OF THE MINUTES OF THE EARLIER MEETING

The minutes of the 128th State Level Bankers’ Committee Meeting convened

on 07.12.2011 (already circulated vide SLBC letter dated 28.12.2011) may be

confirmed.

AGENDA No: 2

New Issues

1. Providing banking services in every village having population of over 2000

The details of revised list of villages (4446) having population over 2000 identified and allotted to various Banks by DCCs for extension of banking services are being placed in the current 129th SLBC Meeting. Revised list of villages allotted to various banks is furnished in the annexure.

As per the Monthly progress report submitted by Banks in MOF format, 4270 villages have been covered as on 31.01.2012. The details are furnished in the annexure.

All member banks assured to cover all their villages before 31st December, 2011. However, in spite of reminders from the Chairman of SLBC to the CMDs of the respective banks and also by the Regional Director of RBI, the following banks have not yet completed 100% coverage.

(As on 31.01.2012)

S.No Name of the Bank No. of villages allotted

No. of villages yet to be covered

1 Bank of Baroda 82 62 Bank of India 118 43 Canara Bank 495 104 Central Bank of India 116 385 Corporation Bank 91 496 Indian Bank 989 77 Indian Overseas Bank 819 18 Punjab National Bank 46 19 State Bank of India 921 2910 State Bank of Mysore 6 611 Union Bank of India 121 412 Axis Bank Ltd 2 113 Catholic Syrian bank 2 114 ICICI Bank Ltd 64 515 Karur Vysya Bank 42 616 South Indian Bank Ltd 32 617 Pandyan Grama Bank 179 2

TOTAL 176

All the above banks are requested to cover all villages before 31.03.2012 and confirm to SLBC. Names of individual villages allotted to every bank have already been sent to all banks by e-mail in excel format. The list can also be accessed by visiting SLBC website www.slbctn.com . The service area plan prepared in this regard had already been uploaded in the district website.

2

http://www.slbctn.com/

PROVIDING BANKING SERVICES IN VILLAGE HAVING POPULATION OF OVER 2000

BANKWISE ALLOCATION OF VILLAGES – 25.12.2011

S.No Name of the Bank No. of Villages allocated

1 Allahabad Bank 82 Andhra Bank 103 Axis Bank 24 Bank of Baroda 825 Bank of India 1186 Canara Bank 4957 Catholic Syrian Bank Ltd. 28 Central Bank of India 1169 City Union Bank Ltd. 42

10 Corporation Bank 9111 Dhanalakshmi Bank Ltd. 112 HDFC Bank Ltd. 113 ICICI Bank 6414 Indian Bank 98915 Indian Overseas Bank 81916 ING Vysya Bank Ltd. 217 Karur Vysya Bank Ltd. 4218 Lakshmi Vilas Bank Ltd. 4919 Oriental Bank of Commerce 220 Pallavan Grama Bank 5821 Pandyan Grama Bank 17922 Punjab National Bank 4623 South Indian Bank Ltd. 3224 State Bank of India 92125 State Bank of Mysore 626 State Bank of Travancore 627 Syndicate Bank 6028 Tamilnad Mercantile Bank 3429 UCO Bank 3930 Union Bank of India 12131 Vijaya Bank 9

Total No of Villages 4446

3

PROVIDING BANKING SERVICES IN VILLAGE HAVINGPOPULATION OF OVER 2000

DISTRICTWISE ALLOCATION OF VILLAGES – 25.12.2011

S.No Name of the DistrictNo. of Villages

allocated1 Ariyalur 1252 Coimbatore 1363 Cuddalore 2194 Dharmapuri 1015 Dindigul 1896 Erode 997 Kancheepuram 1758 Kanyakumari 399 Karur 7510 Krishnagiri 15711 Madurai 16012 Nagapattinam 20813 Namakkal 10114 Nilgiris 3015 Perambalur 3416 Pudukottai 14217 Ramanathapuram 7318 Salem 20319 Sivaganga 8020 Thanjavur 21721 Theni 4122 Thiruvannamalai 27023 Tiruchirapalli 15824 Tirunelveli 19125 Tiruppur 16026 Tiruvallur 18327 Tiruvarur 13528 Tuticorin 12229 Vellore 12130 Villupuram 34931 Virudhunagar 153

Total No of Villages 4446

4

PLEASE REFER DATA SHEET NO.1

5

New Issues 129th SLBC

2. Interest subvention scheme for housing loans up to Rs.15.00 lacs:

National Housing Bank advised that the 1% Interest Subvention Scheme of the Government of India (Ministry of Finance) is in operation since 01.10.2009. The scheme provides interest subsidy on housing loans to eligible borrowers and is being implemented throughout the country by Scheduled Commercial Banks and Housing Finance Companies registered with National Housing Bank. The subsidy amount is already allocated and provided in the Union Budget for the year 2011-12.

In accordance with the Union Budget announcement for the year 2011-12, the Scheme has been extended for FY 2011-12 with increase in the housing loan limit from the earlier Rs.10.00 lakh to Rs.15.00 lakh and the cost of the unit from the earlier Rs.20.00 lakh to Rs.25.00 lakh respectively.

Interest subsidy of 1% is applicable for first 12 months of eligible loans sanctioned and disbursed during the currency of the scheme. After sanctioning and disbursing the eligible loans, the implementing agencies can claim subsidy from the Nodal Agency, i.e., NHB on a monthly basis.

The formats for claiming interest subvention amount and for submitting the utilization certificate are available in NHB website www.nhb.org.in

7

http://www.nhb.org.in/

PLEASE REFER SCANNED IMAGE NO.1

8


3. G.O.(Ms) No.46 dated 06.02.2012 on “Cyclone Thane affected District”:

Government of Tamil Nadu has declared the Cuddalore and Villupuram Districts as “Cyclone Affected Districts” due to “Thane” cyclone.

A copy of the G.O. (Ms) No.46 dated 06.02.2012 issued by Government of Tamil Nadu to this effect is provided as an annexure.

10


11


4. Extension of credit facility to Oil Palm and Purchase of Farm Machinery:

Credit facility to Oil palm:

Commissioner of Agriculture, Government of Tamil Nadu advised that despite availability of subsidy and other benefits for cultivation of Oil Palm, the initial investment becomes a big limitation for many growers and has been acting as an impediment in area expansion. Hence, credit support may be provided by banks by having a tripartite agreement with the processing companies /banks and farmers to motivate the farmers to take up oil palm cultivation. The salient features of the scheme are enclosed in the annexure.

Credit facility for purchase of Farm machinery:

Commissioner of Agriculture advised that under the NFSM Rice Scheme implemented in Tiruvarur, Nagapattinam, Pudukottai, Ramnad and Sivaganga Districts 50% subsidy is provided for the distribution of Power Tiller, Laser Leveller and Transplanter. The details of the scheme are enclosed in the annexure.

13


14


5. Setting up of Rural Self-Employment Training Institutes (RSETIs)

A) Ministry of Rural Development, Govt. of India issued guidelines envisaging infrastructure funding assistance from GOI, allotment of land free of cost by respective State Government etc., and advised Banks to set up RSETIs.

All the Four Banks having Lead District responsibilities have since opened RSETIs in the lead districts allotted to them.

B) Allotment of land to RSETI by State Government:

As per the revised guidelines dated 31.12.2010 issued by Ministry of Rural Development, Government of India on establishment of RSETIs in all the districts in the country, Government of Tamil Nadu proposes to allot the land for construction of the building in the name of BDOs and the possession would be given to the Bank establishing RSETI by way of a tripartite agreement to be entered among the BDO, Bank and the P.O.Mahalir Thittam.

The Lead Banks which have established RSETIS may approach the respective District Collectors for allotment of land. Copy of the guidelines dated 31.12.2010 and letters of Managing Director, TNCDW dated 27.01.2012 and 28.02.2012 are enclosed as annexures.

16


17


18


19


21


6. SETTING UP OF FINANCIAL LITERACY & CREDIT COUNSELLING CENTRES (FLCCC)

In order to provide free financial literacy /education and credit counselling, RBI had advised Banks to set up FLCCC. The High Level Committee set up by RBI had also reiterated the necessity to cover initiatives under financial literacy and credit counselling while broad basing the Lead Bank scheme. On the basis of the above recommendation, RBI advised Lead Banks to open a Financial Literacy and Credit Counselling Centre (FLCCC) in every district where they have lead responsibility.

The details of allotment and progress made in setting up FLCCCs by Lead Banks are furnished below:-

S.No Name of Lead Bank

Districts Allotted for setting up FLCCCs

Districts where FLCCCs were set

up

Pending if any (Nos.)

1Indian

Overseas Bank

KanyakumariTiruchirapalliKarurVirudhunagarTirunelveliSivagangaTiruvarurPudukottaiThanjavurRamanathapuram NagapattinamPerambalur

No. of Districtsallotted : 12

KanyakumariTiruchirapalliKarurVirudhunagarTirunelveliSivagangaTiruvarurPudukottaiThanjavur Ramanathapuram NagapattinamPerambalurNo. of Districts where FLCCCs set up :12

NIL

24

Sl.NoName of

Lead Bank

Districts Allotted for setting up FLCCCs

Districts where FLCCCs were set

up

Pending if any(Nos.)

2 Indian Bank

CuddaloreDharmapuriKancheepuramKrishnagiriNamakkalSalemThiruvannamalaiTiruvallurVelloreVillupuramNo. of Districts allotted : 10

CuddaloreDharmapuriKancheepuramKrishnagiriNamakkalSalemThiruvannamalaiTiruvallurVellore VillupuramNo. of Districts where FLCCCs set up : 10

NIL

3 Canara Bank

CoimbatoreDindigulErodeMaduraiNilgirisTheniTiruppurNo. of Districts allotted : 7

CoimbatoreDindigulErodeMaduraiNilgirisTheni TiruppurNo. of Districts where FLCCCs set up : 7

NIL

4State

Bank of India

AriyalurTuticorinNo. of Districts allotted : 2

No. of Districtswhere FLCCCs set up :NIL

2

25

The following FLCCCs are also functioning in Tamil Nadu:-

Sl.No. Name of FLCCC Sponsoring Bank Place / District

1 ABHAY Bank of India Chennai

2 DISHA ICICI Bank Ltd Chennai

It is clarified that any Bank can set up FLCCC anywhere and clearance from the concerned Lead Bank is not a pre-requisite. However, SLBC should be kept informed of all FLCCC opened.

State Bank of India is requested to open FLCCCs in the allotted districts and advise the status to SLBC and RBI.

26


7. Financial Inclusion & Green Initiatives - Electronic transfer of benefit payments

Banks have already opened a large number of no-frills accounts for reaching out to the door steps of the people in villages having population of over 2000. The State Government already commenced disbursement of Old Age Pension through Banks from September, 2011 on a pilot basis in one taluk each in three Districts viz. Trichy, Cuddalore and Kanyakumari. Now, it has been decided to expand the scheme to all the villages with a population of 2000 or more identified under the Financial Inclusion Plan in the State. The State Government is contemplating to launch a pilot project of electronic payment of NREGA payments in 2 Districts in Tamil Nadu initially.

B) RBI, Chennai vide letter dated 17.12.2009 has called for statistical data (in a prescribed format) on ICT based Financial Inclusion from member Banks in Tamil Nadu. SLBC is collecting, compiling and submitting to RBI. Member Banks are requested to furnish the data on time to SLBC.

C) The progress made by the Member Banks under Financial Inclusion as of December 2011 is furnished in the Annexure. Very few districts have submitted the data as on December 2011 as a result of which we are unable to place the data in Agenda. Hence, DCC Convenors /LDMs are requested to ensure submission of the data on financial inclusion to SLBC for review on time.

27

Annexure

Progress under Financial Inclusion by Banks - Cumulative position As of December 2011

S.No Name of the Bank'No-Frills’ a/c opened

(Nos)

General Purpose

Credit Cards issued (Nos)

Overdraft granted in

No-Frills SB a/c

(Nos)

Smart Cards issued (Nos.)

1 Allahabad Bank 10643 0

2 Andhra Bank 4127 13 3 324

3 Axis Bank Ltd. 23235 0

4 Bank of Baroda 45218 123 3837

5 Bank of India 185450 2431 11445 6117

6 Bank of Maharashtra 1279 0 295

7 Canara Bank 546232 41810 732 21429

8 Central Bank of India 86243 5124 73 21673

9 Corporation Bank 148953 4991

10Catholic Syrian Bank Ltd. 11055 40

11 City Union Bank Ltd. 50452 6850

12 Dena Bank 20919 20

13 Dhanalakshmi Bank Ltd. 16841 16841

14 Federal Bank Ltd. 7612 10 0

15 HDFC Bank Ltd. 83334 2448

16 ICICI Bank Ltd. 129103 33

17 Indian Bank 1746122 3073 18117 260586

18 Indian Overseas Bank 1654251 4432 1523 94303

19 Indus Ind Bank Ltd. 1752 0

20 IDBI Bank 19802 1

21 ING Vysya Bank Ltd. 415 0 8

22 J & K Bank Ltd. 2

28

S.No Name of the Bank'No-Frills’ a/c opened

(Nos)

General Purpose

Credit Cards issued (Nos)

Overdraft granted in No-Frills SB a/c(Nos)

Smart Cards issued (Nos.)

23 Karur Vysya Bank Ltd. 39689 0 0 3367

24 Karnataka Bank Ltd. 10714 0 3

25 Kotak Mahindra Bank Ltd. 6547 0

26 Lakshmi Vilas Bank Ltd. 28513 1716

27 Oriental Bank of Commerce 1152 1

28 Pallavan Grama Bank 233261 491 5987 384

29 Pandyan Grama Bank 504944 350 5883

30 Punjab National Bank 76519 1100 0 1891

31 Punjab & Sind Bank 1479

32 South Indian Bank Ltd. 69637 643 1040

33 State Bank of India 660264 92 23824 13652

34State Bank of Bikaner & Jaipur 2034

35 State Bank of Mysore 3397 0 7

36 State Bank of Patiala 793 11 1

37 State Bank of Travancore 81881 1070

38 Syndicate Bank 53124 2792 793

39Tamil Nadu Mercantile Bank Ltd. 131523 468 914

40Tamil Nadu State Apex Co.op Bank 36847

41 Union Bank of India 145027 630 1847

42 United Bank of India 795

43 UCO Bank 83534 4 5180

44 Vijaya Bank 13866 394 151 0

Total 6978580 72595 62169 468627

29


8. Payment of proper Stamp Duty on Certificates of sale issued by Recovery Officers of Banks under SARFAESI Act, 2002:

The Inspector General of Registration, Tamil Nadu advised that Certificates of Sale issued by Recovery Officers of Banks under SARFAESI Act, 2002 attract a stamp duty of 6% along with 2% surcharge on Market Value.

The copy of the letter from The Inspector General of Registration is enclosed as an annexure. The members are requested to deliberate on this issue.

30


31


32


9. List of Notified Towns under Sec.58 (f) of Transfer of Property Act, 1882 for creation of equitable mortgage in favour of banks:

Government of Tamil Nadu vide their letter dated 31.01.2012 advised that based on the resolution passed in 119th Meeting of SLBC, Tamil Nadu, a proposal to notify all the Municipal Corporations, Municipalities and Town Panchayats in Tamil Nadu under Sec.58 (f) of Transfer of Property Act, 1882, in supersession of the earlier notifications, is under consideration of the Government. The copy of the letter is enclosed as an annexure.

The forum requests the Deputy Secretary to Government, Law (Admn) Dept to follow up the issue and take a decision at the earliest.

34


35


10. Government of India’s Revival, Reform and Restructuring package for Handloom Sector:

The Development Commissioner for Handlooms, Ministry of Textiles, Government of India, New Delhi vide letter No.6/2/99-DCH/FP/DIIDS dated 28.11.2011 had advised all the State Governments and all CEOs of Commercial Banks, the guidelines for implementation of Revival, Reform and Restructuring package for Handloom sector. Copy of SLBC’s letter dated 29.12.2011 sent to all member banks, explaining the salient features of the scheme is enclosed.

A special Meeting of the SLBC, Tamil Nadu was conducted on 03.02.2012 to sensitize the bankers about the package. In the meeting all member banks assured to submit to SLBC the data called for vide SLBC letter dated 29.12.11. But, we have not received the data from any Bank. Member banks are requested to submit the data immediately to SLBC.

Tamil Nadu State Government has submitted commitment letter on 19.01.2012 to participate in the scheme. Hence member banks should prepare the list of eligible individual weavers and implement the package within 60 days from 19.01.2012. The claim has to be submitted to NABARD Regional Office, Chennai. Reimbursement will be given by NABARD to respective banks on first come first served basis.

In the IIIrd NIMRC meeting held at New Delhi on 16.02.12, it was decided that all banks shall prepare the eligible individual weavers list and also “SEND INTIMATION” to these weavers. Hence, member banks are advised to intimate the eligible weavers about the scheme.

The list of nodal officers at district level designated by department of Handloom Textiles, Govt of Tamilnadu is enclosed for the information of member banks.

36


37


39


11. Rural Self Employment Training Institutes – Appointment of State Project Co-Ordinator:

Ministry of Rural Development, Government of India advised that they have signed a MOU with National Academy of RUDSETI for monitoring the RSETIs to bring them at par with the best performing RUDSETI. As per the terms of the MOU a State Project Co-ordinator has been appointed by the national monitoring Cell, established at Bangalore for each State. We furnish below the details of the State project Co-ordinator for Tamil Nadu:

Shri.R.Srinivasan,A-13, 3rd Floor,

Luz Apartments,146 Luz Church Road,

Mylapore, Chennai- 600 004.

Phone: 09884416432E-mail: [email protected]

42

mailto:[email protected]


12. T.N.Government’s Old Age pension Scheme - Payment through banking channel - through business correspondents:

The Tamil Nadu Government’s Old Age Pension is being paid successfully to

the beneficiaries through banking channel through business correspondents

using Biometric enabled smart cards in three taluks of the State on a pilot

basis.

Now the Government has decided to extend the scheme to all the 4446

villages having a population of 2000 or more identified under Financial

Inclusion Plan in the State. A detailed letter from the Principal Secretary /

Commissioner of Revenue Administration is enclosed as an annexure.

43


44


48


13. Ministry of Finance, Government of India’s directives on Lending to Agriculture:

All SLBC Convenor banks have been advised by the Ministry of Finance, Government of India, to launch an action plan to improve lending to Agriculture particularly crop loans. The target is to ensure that each farmer gets an agriculture credit limit by 15.10.2011.

Special SLBC was conducted on 29.08.2011 and the minutes of the meeting was sent to member banks /RBI /NABARD and Government of Tamil Nadu on 30.08.2011.

A small Committee of the Banks has been formed to monitor the progress made in this direction. Three meetings of the small committee were conducted to review the position. As per the data collected from banks as on 31.12.2011 so far 12.39 lac KCC loans have been sanctioned by Banks in Tamil Nadu from September to December, 2011 against the gap of about 12.50 lac non defaulting farmers left uncovered as of August, 2011.

The forum is requested to deliberate and offer its views / suggestions to ensure each non defaulter farmer gets an agricultural credit limit as advised by the Ministry of Finance, Government of India.

SLBC also advised member banks to work out a scheme for giving savings-cum OD account to other families which do not have any land and live in rural areas. As per the data collected from member banks as on 31.12.2011, from September to December 2011, 1,68,610 savings cum OD accounts have been opened.

Member Banks are advised to cover all such eligible non-farmer families.

51


14. Variation between BSR and SLBC data:

Reserve Bank of India advised that there are variations between the data submitted by Banks in BSR and the data submitted to SLBC.

When the BSR and SLBC data as on September, 2012 were compared it was found that some of the banks have reported lower figures to SLBC while the BSR figures were more in both deposits as well as advances.

Some other Banks have reported lower figures to BSR and higher figures to SLBC both in deposits and advances.

Reserve Bank’s letter dated 23.02.2012 and the relative comparison of data district wise and bank wise are enclosed as annexure.

Member banks are requested to exercise caution and advise correct data to SLBC and in BSR.

52


53


54


55


56


57

AGENDA No: 3 129th SLBC

REVIEW ON BANKING DEVELOPMENTS IN TAMILNADU ON KEY PARAMETERS AS OF DECEMBER 2011

KEY PARAMETERS (Amount – Rs.in Crores)

Parameters DEC.2010

DEC.2011

VARIATION & % OF GROWTH

No. of Branches 6524 7014 490 Deposits

302127.11 360099.94 57972.83 (19.19%)Advances 344115.84 411893.62 67777.78 (19.70%)CD Ratio

113.90% 114.38% 0.48% Investments 1993.57 2233.73 240.16 Credit + Investment to Deposit Ratio 114.56% 115.00% 0.44% Priority Sector Advances 139060.96 164545.25 25484.29 (18.33%)% of Priority Sector Advances to Total Advances 45.06 43.76 Agricultural Advances 56953.66 70516.77 13563.11 (23.81%)% of Agricultural Advances to Total Advances 18.45 18.75 Micro & Small Enterprises (MSE) 48147.33 55740.64 7593.31 (15.77%)Micro Credit

3072.13 3038.15Education 9568.14 12447.77 2879.63 (30.10%)Housing 21319.70 22733.52 1413.82 (6.63%)Advances to Weaker Sections 34233.82 46073.42 11839.60 (34.58%)% of Weaker Section Advances to Total Advances 11.09 12.25 DRI Advances 152.37 223.63 71.26 (46.77%)% of DRI Advances to Total Advances 0.05 0.06

59

BRANCH NETWORK

As at the end of December 2011, the total number of Bank Branches in Tamil Nadu increased to 7014 from 6524 in December 2010. Group wise spread of Bank branches in Tamil Nadu as of December 2010 and December 2011 are given below:

Name of the Group DECEMBER2010

DECEMBER 2011

Variation

State Bank Group 972 1007 35Nationalised Banks 3625 3874 249Other Public Sector Banks 49 61 12Private Sector Banks 1561 1723 162RRBs 295 325 30Foreign Banks 22 24 2Total 6524 7014 490

DEPOSIT GROWTH

Deposits of the Banks in Tamil Nadu have increased from Rs.302127.11 crores as of December 2010 to Rs.360099.94 crores as at December 2011, registering an increase of Rs.57972.83 crores. The year to year incremental deposit growth works out to 19.19% as against the growth of 18.14% from December 2009 to December 2010.

CREDIT EXPANSION

The total advances increased from Rs.344115.84 crores as of December 2010 to Rs.411893.62 crores as of December 2011, thereby showing an increase of Rs.67777.78 crores. The incremental growth works out to 19.70% as against the growth rate of 18.34% recorded in the previous year.

CD RATIO

The Credit Deposit Ratio of Commercial Banks in Tamil Nadu increased from 113.90% as of December 2010 to 114.38% as of December 2011.

60

PRIORITY SECTOR ADVANCES

The percentage of priority sector advances works out to 43.76% as against the national norm of 40%.

Priority Sector Advances have grown by 18.33% Y.O.Y as against 21.64% during December 2009 to December 2010.

AGRICULTURAL ADVANCES

The aggregate of agricultural advances extended by Banks in Tamil Nadu have increased from Rs.56953.66 crores as of December 2010 to Rs.70516.77 crores as of December 2011, thus registering an increase of Rs.13563.11 crores in absolute terms and 23.81% in percentage terms. [The growth rate during the period December 2009 to December 2010 was 21.67%]. The share of agricultural credit in total advances as of December 2011 was 18.75% against the national norm of 18%.

MICRO & SMALL ENTERPRISES (MSE)

The advances to Micro & Small Enterprises sector (MSE) during the period under review has witnessed an increase by Rs.7593.31 crores, from Rs.48147.33 crores as at December 2010 to Rs.55740.64 crores as at December 2011, thus showing a growth of 15.77%. The share of MSE advances in total advances as of December 2011 was 14.82%

EDUCATION

Educational Loans have increased from Rs.9568.14 crores in December 2010 to Rs.12447.77 crores as of December 2011. The increase of Rs.2879.63 crores under Educational Loans represents a growth rate of 30.10%.

Year-on-year (December 2009 to December 2010), there was an increase of Rs.2801.42 crores in Educational Loans outstanding, recording a growth rate of 41.40%.

61

HOUSING

The outstanding under Housing Loans has registered an increase of Rs.1413.82 crores from Rs.21319.70 crores in December 2010 to Rs.22733.52 crores in December 2011, registering a growth rate of 6.63%. During the corresponding period of the previous fiscal, there was an increase of Rs.3379.98 crores in Housing Loans outstanding with 18.84% growth rate.

ADVANCES TO WEAKER SECTIONS

The advances to Weaker Sections increased from Rs.34233.82 crores as of December 2010 to Rs.46073.42 crores as at the end of December 2011, registering a growth rate of 34.58%. At this level, advances to Weaker Sections constituted 12.25% of the total credit against the national norm of 10%.

The growth during last year (December 2009- December 2010) was 37.30%.

DRI ADVANCES

The outstanding advances under DRI has increased from Rs.152.37 crores as on December 2010 to Rs.223.63 crores as of December 2011, registering a growth rate of 46.77%

The percentage of DRI advances to total advances has slightly improved to 0.06% as against the bench mark level of 1%.

62

NATIONAL NORMS

PERFORMANCE OF COMMERCIAL BANKS UNDER THE STIPULATED NATIONAL NORMS ARE AS UNDER:

(Amount Rs.in Crores)

Particulars

National Norms for March 2012

Achievement upto December 2011

% Target Amount % Amount

Priority Sector Advances to Total Advances 40 150399.04 43.76% 164545.25

Agricultural Advances to Total Advances 18 67679.57 18.75% 70516.77

Weaker Section Advances to Total Advances 10 37599.76 12.25% 46073.42

DRI Advances to Total Advances of previous year 1 3759.98 0.06% 223.63

ACTION AREA:-

Member Banks are requested to initiate suitable action plan for increasing the advances under DRI.

63

DISTRICTWISE PERFORMANCE OF COMMERCIAL BANKS IN TAMILNADU

A comparative analysis of the performance of the Commercial Banks in Tamil Nadu indicates the following:

a) Tiruppur district has the highest CD ratio at 184% followed by Ariyalur district (177%) & Virudhunagar and Dharmapuri districts (172%).

b) Of the 31 lead districts, the CD ratio of 30 districts is above the RBI norm of 60%.

c) Kancheepuram District is having CD ratio of 52% which is less than the National Norm of 60% and Member Banks are requested to evolve suitable strategies to improve their lending so as to achieve the National Norm for CD Ratio in that district.

Agricultural advances to total advances in the following districts is below 18% norm.

Coimbatore -- 12.16%Tiruppur -- 14.00%

64

REVIEW OF OPERATIONS OF CO-OPERATIVE BANKS IN TAMILNADU AS AT THE END OF DECEMBER 2011

As at the end of December 2011, there were 794 branches of Co-operative Banks (both, District Central Co-operative Banks and State Agricultural and Rural Development Banks) in Tamil Nadu. The details are furnished for the information of the members.

Classification of BranchesDECEMBER

2010DECEMBER

2011Rural 262 259Semi-Urban 203 205Urban 184 190

Metro 139 140TOTAL 788 794

(Amount – Rs. in Crores)

ParticularsDECEMBER

2010DECEMBER

2011Deposits 18252.77 20955.45Advances 23778.21 26730.00Investments 6275.24 6541.75

CD Ratio 130.27% 127.56%Credit + Investment to Deposit Ratio 164.65% 158.77%

(Amount – Rs. in Crores)S.No. Particulars DECEMBER 2010 DECEMBER 2011

1 Agricultural Advances 3194.75 3512.09 Of which, Direct Advances 476.34 389.892 Micro & Small Enterprises 1408.19 1825.89

3 Education 255.51 20.714 Housing 145.89 78.205 Micro Finance & Others 1679.89 1392.20

TOTAL 6684.23 6829.09

65

ADVANCES UNDER SPECIAL PROGRAMMES / SCHEMES / SECTORS

(Amount – Rs. in crores)

DECEMBER

2010DECEMBER

2011Total Advances to Weaker Sections 3712.93 5050.68 Of which,

(i) Advances under SC/ST 600.94 1208.92 (ii) Advances under IRDP/SGSY 242.26 490.08 (iii) Advances under DRI 8.30 15.59

NPA POSITION IN PRIORITY SECTOR ADVANCES – SEPTEMBER 2011(Amount Rs. in Crores)

NPA Amount

% of NPA

i) NPA in Housing loans 24.60 10.49%ii) NPA in Education loans 0.03 0.04%iii) NPA in Agriculture Loans 118.73 3.43%iv) NPA in Loans to MSE 40.05 3.70%v) NPA in Loans under Weaker Section of Priority Sector Lending 93.15 2.09%vi) NPA in over all Priority Sector Lending 183.41 2.83%

66


67

REFER DATA SHEET NO. 3

68

REFER DATA SHEET NO.3

69


REVIEW OF PERFORMANCE UNDER ANNUAL CREDIT PLAN 2011 – 2012: APRIL 2011 TO DECEMBER 2011

As per the quick information report obtained from the Lead District Managers, Banks in Tamil Nadu have disbursed total credit of Rs.44902.60 crores under Annual Credit Plan during the nine months ended ended DECEMBER 2011 as against the proportionate plan allocation of Rs.42098.23 crores, representing 107% achievement under ACP for the year 2011-12.

Amount in Rs. crores

SectorCredit Allocation Credit Disbursed

% of AchievementApril 2011 to

December 2011April 2011 to December 2011

Farm 22812.57 26992.16 118Non-Farm 9422.14 8600.22 91OPS 9863.52 9310.22 94TOTAL 42098.23 44902.60 107.

A comparative position of disbursement under ACP upto the quarters ended DECEMBER 2010 and DECEMBER 2011 is furnished below:

Amount Rs. in crores

Sector

Credit disbursed from April 2010 to December

2010

Credit disbursed from April 2011 to December

2011

Variation in percentage

Farm 22315.50 26992.16 20.96Non-Farm 7341.48 8600.22 17.15OPS 7602.47 9310.22 22.46TOTAL 37259.45 44902.60 20.51

70

District wise performance:

District wise/Major Sector wise performance for the period ended DECEMBER 2011 is furnished in Annexure – I. Banking System in Tamil Nadu has achieved 107% of the proportionate plan allocation during the period under review. The performance of the individual districts varies from 87% to 163%. 24 districts have achieved, more than 100% of the target. Under Farm Sector, 29 districts have achieved more than 100% of the target & under non-farm sector 10 districts have achieved more than 100% of the target. Sector wise performance:

Non-Farm Sector – Industries:

The performance of Banks in Sivaganga district under Non-Farm Sector is much below 50%, i.e. 48%. LDM need to bestow his attention and impress upon Member Banks in Sivaganga district to improve the performance under Non-Farm Sector during the current year.

B. Other Priority Sector:

Under OPS category during the current year, in the following 2 districts the performance is under 50%, Banks have to focus on scaling up disbursement.

Sl.No. District %1 KRISHNAGIRI 492 CUDDALORE 49

The details of progress made under ACP 2011-12 upto the quarter ended September 2011 (District-wise / Bank-wise / Activity-wise) have also been furnished in the Annexure for informatio

71


72


73


74


75


Prime Minister’s Employment Generation Programme (PMEGP)

For the Programme year 2011-12, against the target of 2374 projects with margin money assistance of Rs.3323.45 lakhs, 1846 Projects with margin money assistance of Rs.4499.21 lakhs have been sanctioned.

During the first nine months, 78% of the project target and 135% of the margin money target have been achieved.

76



77


SWARNA JAYANTI SHAHARI ROZGAR YOJANA (SJSRY)

SJSRY Programme consists of two special schemes namely (i) Urban Self-Employment Programme (USEP) and (ii) Urban Women Self-Help Programme (UWSP).

The progress made under SJSRY for the programme year 2011-12 as on 31.12.2011 is furnished below: (Amount Rs.in Lacs)

NO. PARTICULARS SJSRY-USEP

SJSRY-UWSP TOTAL

1 Applications sent to Banks 13093 1752 148452 Applications sanctioned 3883 402 42853 Applications rejected 29 0 294 Applications Pending 9181 1350 105315 Subsidy allotted 1220.31 915.44 2135.756 Subsidy utilized 469.81 234.58 704.397 Subsidy pending 750.50 680.86 1431.368 % of subsidy utilization 38 26 33

Subsidy utilization level for the Programme year 2011-12 as on 31.12.2011 so far is 38% & 26% under USEP and UWSP scheme respectively. Hence, Member Banks are advised to speed up the sanction / disposal of the pending loan applications and ensure 100% utilization of the subsidy allotted under SJSRY.

78


SWARNJAYANTI GRAM SWAROZGAR YOJANA (SGSY 2011-12)

Performance

During the year 2011-12, Banks in Tamil Nadu have disbursed credit to the extent of Rs.210.73 crores under SGSY against the credit mobilisation target of Rs.297.38 crores thereby achieving 70.86% of the annual target in 9 months period from April 2011 to December 2011.

Performance of the Banking System in Tamilnadu under SGSY 2011-12 as on 31.12.2011Amount in Rs. Lacs

S.No. PARTICULARSDECEMBER 2011

ECONOMIC ACTIVITY REVOLVING FUND TOTAL

SHG INDIVIDUALS TOTAL 1 No. of Loans granted 4167 3420 7587 14536 221232 Swarozgaris 52623 3420 56043 229151 2851943 Amount Disbursed 12993.72 811.03 13804.75 7268.00 21072.754 % of Credit disbursement to Annual Target 70.86%5 Subsidy Utilized 4400.35 353.60 4753.95 2180.40 6934.356 Credit Subsidy Ratio 2.95 2.29 2.90 3.33 3.047 Coverage Under:- SC/ST 27662 1746 29408

% (Norm 50%) 52.57 51.05 52.47 WOMEN 52623 2246 54869 % (Norm 40%) 100.00 65.67 97.91 DISABLED 1220 1519 2739 % (Norm 3%) 2.32 44.42 4.89

During the corresponding period last year i.e. December 2010, the achievement was 145.97%. The present achievement is not upto the expected level. Hence, member Banks are advised to clear the pending applications expeditiously.

79

I. Performance under Economic Activity:

a. For the period ended 31.12.2011, Banks have extended credit assistance to the tune of Rs.12993.72 lacs along with subsidy assistance of Rs.4400.35 Lacs for taking up economic activities to 4167 Self Help Groups benefiting 52623 swarozgaris.

b. During this period, Rs.811.03 lacs with a subsidy of Rs.353.60 Lacs has been granted to 3420 individual swarozgaris to take up economic activities.

II. Performance under Revolving Fund:

Revolving Fund assistance of Rs.7268 lacs has been extended to 14536 Self Help Groups with a subsidy assistance of Rs.2180.40 Lacs.

III. Achievement under Sub-sector Norms:

The achievement under coverage of SC/ST is 52.47% as against the norm of 50%. Banks have also surpassed the 40% norm fixed for Women & 3% norm for Disabled Persons, achieving 97.91% and 4.89% respectively.

DETAILS OF ECONOMIC ASSISTANCE (AGENCY WISE) AND REVOLVING FUND DISBURSED UNDER SGSY 2011-12 AS AT THE END OF DECEMBER 2011

Amount in Rs. Lacs

AGENCY CREDIT DISBURSEDEconomic ActivityCommercial Banks 7886.78RRBs 1318.31Co-operative Banks 4578.65Other Banks 21.01TOTAL CREDIT UNDER ECONOMIC ACTIVITY 13804.75CREDIT UNDER REVOLVING FUND 7268.00TOTAL CREDIT TO SGSY 21072.75

80

Districtwise /Agencywise credit disbursed upto the month of December 2011 is furnished in annexure.

Subsidy Credit Ratio:

Banks in Tamil Nadu have achieved a Subsidy Credit Ratio of 1 : 3.04 and surpassed the stipulated subsidy credit ratio of 1:3.

81

Annexure (Amount Rs. in Lacs)

DISTRICT / AGENCYWISE CREDIT DISBURSED UPTO THE MONTH OF DECEMBER 2011S.No District Revised

TargetRevolving

FundCredit Disbursed for Economic Activity Total

CreditCom.Bks Co-op Bks RRBs Others

1 Ariyalur 506.62 89.50 26.80 174.19 0.00 0.00 290.492 Coimbatore 905.72 262.00 278.55 308.35 128.00 0.00 976.903 Cuddalore 1308.59 322.50 312.00 366.75 0.00 0.00 1001.254 Dharmapuri 775.55 150.50 235.87 96.59 66.38 0.00 549.345 Dindigul 964.83 200.50 372.15 140.40 52.35 0.00 765.406 Erode 731.44 265.00 293.90 200.62 0.00 0.00 759.527 Kancheepuram 1453.77 309.00 392.00 209.75 187.25 0.00 1098.008 Kanniyakumari 646.70 147.00 108.60 206.10 0.00 21.01 482.719 Karur 563.89 153.00 223.66 8.00 0.00 0.00 384.66

10 Krishnagiri 813.76 182.50 311.99 0.00 55.06 0.00 549.5511 Madurai 1055.96 190.00 129.30 107.95 211.03 0.00 638.2812 Nagapattinam 810.97 303.50 255.00 37.50 0.00 0.00 596.0013 Namakkal 781.99 292.50 113.73 133.32 0.00 0.00 539.5514 Nilgiris 240.63 39.50 93.75 0.00 0.00 0.00 133.2515 Perambalur 287.48 49.00 75.00 104.19 0.00 0.00 228.1916 Pudukkottai 786.10 294.50 283.64 39.58 0.00 0.00 617.7217 Ramanathapuram 703.43 148.50 159.47 90.98 84.98 0.00 483.9218 Salem 1347.20 339.50 364.80 198.55 0.00 0.00 902.8519 Sivagangai 693.23 152.00 325.38 38.28 19.14 0.00 534.8020 Thanjavur 796.83 398.50 237.11 50.17 2.16 0.00 687.9421 Theni 1184.32 91.00 245.04 2.16 0.00 0.00 338.2022 Tirunelveli 541.96 294.50 330.71 69.44 207.80 0.00 902.4523 Tiruvallur 1310.87 334.50 455.13 37.50 0.00 0.00 827.1324 Tiruvannamalai 1128.27 263.50 123.75 558.75 0.00 0.00 946.0025 Tiruvarur 1289.98 149.00 251.65 161.80 0.00 0.00 562.4526 Thoothukudi 845.53 221.50 290.50 189.80 0.00 0.00 701.8027 Tiruchirapalli 967.94 175.00 255.50 138.46 0.00 0.00 568.9628 Vellore 884.04 674.00 311.58 423.28 184.16 0.00 1593.0229 Villupuram 2111.47 581.00 890.22 346.20 0.00 0.00 1817.4230 Virudunagar 2473.69 195.00 140.00 140.00 120.00 0.00 595.0031 Tirupur 825.56 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL 29738.30 7268.00 7886.78 4578.65 1318.31 21.01 21072.75

82


Interest Subsidy for Housing the Urban Poor (ISHUP)

District-wise and Bank-wise details of application sent to Banks as on 31.12.2011 is furnished in Annexure 1 and District-wise and Bank-wise details of loan sanctioned by Banks as on 31.12.2011 is furnished in Annexure 2.

Ministry of Housing & Urban Poverty alleviation, Government of India expressed concern over the vast difference between Number of applications received and Number of sanctions and also between the number of sanctions and number of loans actually disbursed.

As the scheme will be closed by 31.03.2012, Member Banks are advised

• To dispose of all pending applications before 15.03.2012• All eligible loan applications complete in all respects to be sanctioned

within 14 days.• Incomplete applications to be immediately returned back• Declined / ineligible applications should be sent back with reasons for

rejections• All loans sanctioned should be disbursed immediately• Subsidy should be claimed immediately after release even if it is a

part release.

During the Special SLBC Meeting held on 03.02.2012 to discuss the progress under ISHUP, the members advised the following discrepancies observed in the applications sent by TNHB which hinder the progress under the scheme:-

1) The plan and estimate enclosed along with the applications do not bear the details of the name of the applicant and Survey No. of the plot etc.

2) The applicants express their unwillingness to avail loan in many cases after TNHB forwarded the application to banks.

83

3) The no. of applications returned by the banks was not taken into consideration by TNHB while arriving at the pending application data.

4) The income certificates enclosed with the applications are not obtained from the competent authority.

5) Bankers are not disbursing the sanctioned loans in time.

During the above meeting, Shri. R. Chandran, Executive Engineer, Tamil Nadu Housing Board advised that the data on applications returned by the banks will be provided within 5 days which SLBC is yet to receive.

Tamil Nadu Housing Board is requested to provide the data on applications returned immediately.

84


85


86


87


BANK FINANCE UNDER HOUSING SCHEME:

In tune with the National Agenda 'HOUSING FOR ALL' Credit Flow to Housing Sector is identified as one of the major thrust areas by the Banks.

As per Reserve Bank of India guidelines, each bank should reach 3% of their incremental deposits of the previous year under housing finance. Accordingly, it is estimated that Rs.1365.27 crores should be extended to Housing Sector from banking system in Tamil Nadu during the year 2011-12.

As per the feedback received from member banks, disbursement to the tune of Rs.934.17 crores has been made during the quarter ended December 2011, and the cumulative disbursement made for the period April 2011 to December 2011 is Rs.2755.68 crores

The Bank wise disbursement details for the third quarter is furnished in the Annexure. It may be noted that 7 Banks marked (*) have not submitted any data as a result of which the aggregate disbursement might have been understated. These banks are requested to submit the data immediately.

Break-up of the portfolio on the basis of loan size is as follows:-(Amount Rs.in Lakhs)

Disbursement made during the quarter ended December 2011 (Oct.’11 to Dec.’11)

Limit Upto Rs.5 Lacs

Limit above Rs.5 lacs - upto Rs.10

Lacs

Limit above Rs.10 Lacs - upto Rs.15

Lacs

Limit above Rs.15 Lacs -

upto Rs.20 LacsTotal

No. Amount No. Amount No. Amount No. Amount No. Amount

6454 16088.15 4477 25927.27 2636 24390.04 1980 26883.28 15547 93417.21

88

Bank Finance under Housing Scheme – Direct Housing FinanceFor the quarter ended December 2011

Amount Rs.in Lacs

Sl. No. Name of the Bank

Disbursement made during the quarter ended December 2011 (October’11 to December’11)No. Amount

1 Allahabad Bank 101 3302 Andhra Bank 284 10483 Axis Bank Ltd. 0 04 Bank of Baroda 739 38735 Bank of Maharashtra 39 4466 Bank of India 928 61957 Canara Bank 1589 70588 Catholic Syrian Bank * 45 1289 Central Bank of India 456 403610 City Union Bank Ltd. 631 245011 Corporation Bank 768 325012 Dena Bank 52 31013 Dhanalakshmi Bank Ltd. 6 7014 Federal Bank Ltd., * 82 103115 HDFC Bank Ltd. 503 35216 ICICI Bank Ltd. 544 499817 Indian Bank 829 785218 Indian Overseas Bank 1362 1817219 IDBI Bank Ltd. 125 140220 Indus Ind Bank Ltd. * 0 021 Ing Vysya Bank Ltd. * 0 022 Jammu & Kashmir Bank Ltd. 3 1723 Karur Vysya Bank Ltd. 232 161324 Karnataka Bank Ltd., 61 51425 Lakshmi Vilas Bank Ltd. 45 39226 Oriental Bank of Commerce 44 31527 Pandyan Grama Bank 9 83

89

Sl. No. Name of the Bank

Disbursement made during the quarter ended December 2011 (October’11 to December’11)

No. Amount28 Pallavan Grama Bank 3 1529 Punjab National Bank 146 86230 Punjab & Sind Bank 12 10631 South Indian Bank Ltd. * 0 032 State Bank of Bikaner &

Jaipur135 540

33 State Bank of Hyderabad 119 87134 State Bank of India 3426 1433035 State Bank of Mysore 27 23036 State Bank of Patiala 43 33837 State Bank of Travancore * 0 038 Syndicate Bank 343 247439 Tamilnadu Mercantile Bank 1378 469740 UCO Bank 75 48741 Union Bank of India 361 202042 United Bank of India 47 51243 Vijaya Bank * 0 0 GRAND TOTAL 15547 93417

90

AGENDA No: 9(A) 129th SLBC

GOLDEN JUBILEE RURAL HOUSING FINANCE SCHEME (GJRHFS)

The National Housing Bank has formulated the Golden Jubilee Rural Housing Finance Scheme (GJRHFS) in August 1997 on the occasion of the Golden Jubilee of India's Independence.

As per the feedback received from the member banks, 1558 loans amounting to Rs.4492.25 lacs were disbursed under Golden Jubilee Rural Housing Finance Scheme during the quarter ended December 2011 as shown below:

Cumulatively 4595 loans amounting to Rs.10082.18 lacs have been disbursed during the period from April 2011 to December 2011.

(Amount in Rs. Lacs)

ParticularsScheduled Castes

Scheduled Tribes Others Total

No. Amt. No. Amt. No. Amt. No. Amt.Total Loans sanctioned during the Quarter 294 885.56 33 102.18 1231 3618.38 1558 4606.12Total Loans disbursed during the Quarter 294 885.56 33 102.18 1231 3504.51 1558 4492.25

Member Banks are requested to furnish the details of housing loans under Golden Jubilee Rural Housing Finance Scheme on quarterly basis to SLBC.

91


Educational Loans

A) The details of educational loans granted by member banks are furnished in the annexure.

As per the reports received, 97452 loans to the tune of Rs.1305.63 crores have been granted during the nine months period ended December 2011 of which Engineering/Medical account for 69445 loans amounting to Rs.820.03 Cr, 2317 loans for study in Abroad amounting to Rs.201.48 Cr and 25690 loans to Others, to the tune of Rs.284.12 Cr.

Out of 97452 Education loans granted to the tune of Rs.1305.63 crores, SC/ST, Minority Communities & Women accounts for 14051 loans amounting to Rs.177.78 Cr, 11308 loans amounting to Rs.173.86 Cr and 28767 loans to the tune of Rs.345.79 Cr respectively.

The following Banks who have not furnished the data on Education Loans as of December 2011 are requested to submit the same immediately.

Sl. No.

Name of the Bank Sl. No.

Name of the Bank

1 Catholic Syrian Bank Ltd. 4 State Bank of Travancore2 HDFC Bank Ltd. 5 South Indian Bank Ltd.3 Indus Ind Bank Ltd. 6 United Bank of India

The following Banks who have not furnished the break-up regarding SC/ST, Minority & Women are requested to submit the data without fail.

Sl. No.


Name of the Bank

1 Bank of Maharashtra 6 Karnataka Bank Ltd.2 Catholic Syrian Bank Ltd. 7 Pallavan Grama Bank3 HDFC Bank Ltd. 8 South Indian Bank Ltd.4 ICICI Bank Ltd. 9 United Bank of India5 Indus Ind Bank Ltd. 10 J & K Bank Ltd.

92

Member Banks are requested to advise the progress made in granting of Educational Loans promptly to SLBC and DCCs.

B) As per the details received from the Member Banks the status of loan applications received / sanctioned / rejected / pending are as under:-

(Amount in Lacs)

Loan Applications Received

Education Loans Sanctioned

Loan Applications Rejected

Loan Applications

Pending No. Amount No. Amount No. Amount No. Amount

103390 143690.54 97452 130562.86 3603 7945.33 2335 5182.35

Member Banks are requested to expedite disposal of the pending loan applications.

93


94


95


MICRO & SMALL ENTERPRISES (MSE) SECTOR

Credit flow to MSE Sector upto the quarter ended December 2011 (i.e. April 2011 to December 2011) is furnished in the annexure. As per feedback received from Banks, Credit flow to Micro and Small Enterprises amount to Rs.5436.98 Crores, Rs.8307.92 Crores respectively.

Member Banks’ attention is drawn to the directive of Reserve Bank of India that the share of Micro Enterprises should be 55% by March 2012 and 60% by March 2013 and requested to enhance the share of micro enterprises accordingly.

The share of Micro Enterprises in credit flow to MSE are furnished in the annexure (Bankwise). The share of Micro enterprises for the quarter ended December 2011 was to the extent of 39.56% Member Banks are requested to speed up the credit flow to micro enterprises so that member banks can achieve the target of 55% in the current year.

96


97


CREDIT FLOW TO WOMEN

Government of India and Reserve Bank of India have advised banks to strengthen the credit flow to women and ensure that their share in Bank Credit is increased to 5%.

The details of performance of the Banks in Tamil Nadu under credit flow to women entrepreneurs as of December 2011 are furnished below:

(Amount in Rs. Crores)

S.No PROGRAMME

Disbursement made during the Quarter

ended December 2011

Outstanding position as of December 2011

Accounts Amount Accounts Amount1 SGSY 13697 222.61 137973 721.862 PMRY */PMEGP 255 10.40 20319 146.853 SJSRY 285 1.71 25025 41.164 DRI 1715 3.10 30049 48.515 MSE 6519 177.40 77629 1418.206 OTHERS 471037 6286.07 3889206 31142.62

TOTAL 493508 6701.29 4180201 33519.20

* PMRY was discontinued w.e.f 01.04.2008

At the level of Rs.33519.20 crores, advances to women constitute 8.91% of total Bank credit as against the national norm of 5%.

98


CREDIT FLOW TO MINORITY COMMUNITIES

As per the feedback received from the member banks, 635931 Loans amounting to Rs.4594.21 crores were disbursed to Minority Communities during the quarter ended December 2011 as shown below:-

Amount in Rs.CroresSl. No.

Name of the Community

Disbursement during the quarter endedDECEMBER 2011 (Oct.’11 to Dec.’11)All Banks Public Sector Banks

Account Amount Account Amount

1 Muslim 257673 2139.31 187033 1680.772 Christian 377384 2439.90 219808 2036.743 Sikh 278 10.25 268 8.744 Zorastrian 158 1.04 158 1.045 Neo Buddist 438 3.71 377 3.32 Total 635931 4594.21 407644 3730.61

The progress made by the banks in Tamil Nadu under credit flow to Minority Communities as of December 2011 is furnished below:-

Amount in Rs.Crores

Sl. No.

Name of the Community

Outstanding Position as ofDECEMBER 2011

All Banks Public Sector BanksAccount Amount Account Amount

1 Muslim 912289 8665.63 599470 6987.492 Christian 1166570 9427.10 601372 7236.093 Sikh 788 23.75 707 20.864 Zorastrian 2340 19.01 2330 18.825 Neo Buddist 11986 26.84 1101 11.46 Total 2093973 18162.33 1204980 14274.72

99

Ministry of Finance, Govt. of India has advised that the share of credit flow to minority communities of Public Sector Banks (PSB) should be 15% of the Priority Sector Advances. Accordingly All Public Sector Banks are requested to achieve the target of 15% well in time.

100

ANNEXURE OUTSTANDING ADVANCES TO SPECIFIED MINORITY COMMUNITIES BY PUBLIC SECTOR BANKS – DECEMBER 2011

(Amount Rs.in Crores)

S.NO NAME OF THE BANK

PRIORITY SECTOR

ADVANCES AS ON

31.03.11

TARGET (15% OF

PSA)ACHIEVE

MENT% OF

ACHIEVEMENT

1 STATE BANK OF INDIA 23679.76 3551.96 2927.33 12.36

2 STATE BANK OF BIKANER & JAIPUR 188.44 28.27 11.38 6.04

3 STATE BANK OF HYDERABAD 550.78 82.62 76.99 13.98

4 STATE BANK OF MYSORE 680.22 102.03 11.20 1.65

5 STATE BANK OF PATIALA 251.86 37.78 11.20 4.45

6 STATE BANK OF TRAVANCORE 2193.97 329.10 522.94 23.84

7 ALLAHABAD BANK 1001.96 150.29 18.88 1.88

8 ANDHRA BANK 800.03 120.00 109.97 13.75

9 BANK OF BARODA 3243.81 486.57 133.93 4.13

10 BANK OF INDIA 4403.59 660.54 392.20 8.91

11 BANK OF MAHARASHTRA 324.1 48.62 50.40 15.55

12 CANARA BANK 17264.95 2589.74 2268.06 13.14

13 CENTRAL BANK OF INDIA 3671.88 550.78 569.41 15.51

14 CORPORATION BANK 3510.14 526.52 249.82 7.12

15 DENA BANK 594.59 89.19 51.35 8.64

16 INDIAN BANK 13924.57 2088.69 2079.99 14.94

17 INDIAN OVERSEAS BANK 15241.33 2286.20 3360.89 22.05

18 ORIENTAL BANK OF COMMERCE 1003.47 150.52 53.74 5.36

19 PUNJAB NATIONAL BANK 2423.32 363.50 150.96 6.23

20 PUNJAB & SIND BANK 163.5 24.53 2.12 1.30

21 SYNDICATE BANK 3064.66 459.70 465.27 15.18

22 UCO BANK 2006.49 300.97 293.40 14.62

23 UNION BANK OF INDIA 3648.62 547.29 289.39 7.93

24 UNITED BANK OF INDIA 231.63 34.74 0.00 0.00

25 VIJAYA BANK 1469.5 220.43 122.16 8.31

26 IDBI BANK LTD. 3003.18 450.48 51.74 1.72

TOTAL PUBLIC SECTOR BANKS 108540.35 16281.06 14274.72 13.15AGENDA No: 14 129th SLBC

101

KISAN CREDIT CARD SCHEME (KCC)

Kisan Credit Card Scheme introduced in August 1998 has since stabilized with major share of crop loans being routed through this scheme. Reserve Bank of India has advised that investment credit requirements of farmers viz. allied and non farm activities may also be covered under the Scheme. All KCC Holders have to be covered under Personal Accident Insurance Scheme (PAIS).

As per the progress report submitted by Member Banks, during the period from April 2011 to December 2011 Banks in Tamil Nadu have issued 14,71,664 Kisan Credit Cards to the tune of Rs.10795.54 Crores. The details are furnished in the annexure.

Member Banks are requested to furnish the data to SLBC in time for timely review.

102

PERFORMANCE OF BANKS UNDER KISAN CREDIT CARD SCHEME FROM APRIL 2011 TO DECEMBER 2011

(Amount in Rs.Lacs)Sl. No. Name of the Bank Crop Loans Term Loan Total

No Amount No Amount No Amount1 Allahabad Bank 415 326 0 0 415 3262 Andhra Bank 229 193 98 116 271 1743 AXIS Bank 320 3532 378 3625 698 71574 Bank of Baroda 1231 1152 106 159 1337 13115 Bank of India 56678 32397 44550 33282 101228 656796 Bank of Maharashtra 0 0 0 0 0 07 Canara Bank 23978 17035 48 187 24026 172228 Catholic Syrian Bank Ltd. * 40 18 0 0 40 199 Central Bank of India 7271 2915 0 0 7271 2915

10 City Union Bank Ltd. 113 87 198 154 311 24111 Corporation Bank 2356 5558 0 0 2356 555812 Dena Bank 40 24 13 38 53 6213 Dhanalakshmi Bank Ltd. 0 0 126 19 126 1914 Federal Bank Ltd. 39 538 6 137 45 67515 HDFC Ltd. 84 392 35738 205945 35822 20633716 ICICI Bank Ltd. 40197 19314 0 0 40197 1931417 Indian Bank 53248 36153 359 587 53607 3674018 Indian Overseas Bank 183226 339441 20047 9938 203273 34937919 Indus Ind Bank Ltd. * 0 0 0 0 0 020 IDBI Bank Ltd. 2205 1615 34 273 2239 188821 ING Vysya Bank Ltd. 52 36 65 37 117 7322 Jammu & Kashmir Bank Ltd. 0 0 0 0 0 023 Karnataka Bank Ltd. * 0 0 0 0 0 024 Karur Vysya Bank Ltd. * 69 63 3 33 72 9625 Lakshmi Vilas Bank 142 307 0 0 142 30726 Oriental Bank of Commerce 84 115 0 0 84 11527 Pallavan Grama Bank * 26703 14248 4578 10210 31281 2445828 Pandyan Grama Bank 27138 4954 0 0 27138 495429 Punjab National Bank 1367 1456 0 0 1367 145630 Punjab & Sind Bank * 0 0 0 0 0 031 South Indian Bank Ltd. * 0 0 0 0 0 032 State Bank of India 125320 84174 1371 744 85994 5394633 State Bank of Bikaner & Jaipur 0 0 0 0 0 034 State Bank of Hyderabad 0 0 0 0 0 035 State Bank of Mysore 309 200 211 314 520 51436 State Bank of Patiala 0 0 0 0 0 037 State Bank of Travancore * 62 75 0 0 62 7538 Syndicate Bank 9982 6159 0 0 9982 615939 Tamilnadu Mercantile Bank Ltd. 112 78 26 12 138 8940 TNSC Bank Ltd. 724163 177610 6493 3047 730656 18065741 UCO Bank 41277 37245 399 625 41676 3787042 Union Bank of India 25982 5771 850 413 26832 618443 Vijaya Bank 1320 10062 215 6419 1535 16481 TOTAL 1355752 803241 115912 276313 1471664 1079554

Banks marked * not submitted the data for December 2011

103


SELF HELP GROUPS (SHGs)

The approved target for SHG credit linkage 2011-12 is Rs.4000 Crores including the Non Mahalir Thittam Groups. Credit disbursement to SHGs during the nine months period ended 31.12.2011 amounted to Rs.2102.43 Crores.

The District wise performance to Self Help Groups under Mathi (through Tamil Nadu Women Development Corporation Ltd.) and Non-Mathi (direct lending) as on 31.12.2011 is furnished in the Annexure.

The member banks are advised to:

1) Dispose off all the pending PLF applications

2) Speed up sanction of loans to Self Help Groups

3) To ensure coverage of all Self Help Groups under Janshree Bhima Yojana (JBY)

104


105


Progress Report on Economic Development Schemes implemented by TAHDCO

The details of performance under various economic development schemes

implemented by TAHDCO in the current year upto January 2012 are

furnished in the annexure 1. Status Report as of January 2012 given by

TAHDCO is also furnished in the annexure 2.

Member Banks are requested to actively involve themselves in the

implementation of these schemes, so as to achieve the target fixed by

Government of Tamil Nadu before the end of financial year.

106

PLEAE REFER DATA SHEET NO. 15

107


108


REVIEW OF NPA ACCOUNTS IN PRIORITY SECTOR LENDING – SEPTEMBER 2011

The position of NPA under categories of Priority Sector Advances as on September 2011 is furnished below.

NPA POSITION AS ON September 2011

S No. Particulars (Rs in Crore) % of NPA

1 NPA in Housing loans 716.74 3.39%

2 NPA in Education loans 694.76 5.74%3 NPA in Agriculture Loans 2395.51 3.55%4 NPA in Loans to MSE 2948.95 5.67%

5 NPA in Loans under Weaker Section of Priority Sector Lending

1275.49 3.62%

6 NPA in over all Priority Sector Lending

7350.15 4.71%

It is observed that the percentage of NPA has increased under all categories except Housing Loans over March 2011.

It is also observed that NPA position under all categories is on the increase every quarter. DCCs are also requested to review NPA position every quarter and coordinate recovery drive with the help of District Administration.

The State Government is requested to consider invocation of Revenue Recovery Act to improve recovery, as done in the neighbouring State of Kerala.

109

Bank-wise data on NPA in Housing Loans, Education Loans, Agriculture loans, MSE, Weaker Sections & Total Priority Sector Lending as of 30th September, 2011 is furnished in the annexure. The following Banks who have not furnished the data on NPA as of September 2011 are requested to submit the same immediately.

Sl. No.


Name of the Bank

1 State Bank of Bikaner & Jaipur

7Indus Ind Bank Ltd

2 Indian Bank 8 ING Vysya Bank3 Vijaya Bank 9 Kotak Mahindra Bank Ltd4 City Union Bank Ltd 10 Lakshmi Vilas Bank Ltd5 Federal Bank Ltd 11 South Indian Bank Ltd6 ICICI Bank Ltd 12 Allahabad Bank

*ICICI Bank, ING Vysya Bank, Kotak Mahindra Bank, Lakshmi Vilas Bank and South Indian Bank did not furnish the data for June quarter also.*

110


111


112


Success StoryOne of the recommendations of the High Level Committee on Lead Bank Scheme is “Success stories could be presented in DCC/SLBC meetings to serve as models that could be replicated.

The Success Story received from Union Bank of India, Madurai region is furnished below:

Success story of UBI,Kottampatti branch:• This is a rural branch located in Madurai district. Our Branch is covering 14 Panchayats in Kottampatti Block and nearly 50 villages are coming under our Service Area. • Major crops cultivated in this area are Coconut, Mango crops.

Agriculture Allied Activities are Dairying, Poultry, Coir manufacturing and Thatching of Coconut Leaves.

• SHGs are formed in almost all the 50 villages and at present the total number of SHGs is 499 out of which 396 are linked with the Branch. As on date the financial assistance outstanding in SHG loans in Kottampatti branch 2.50 crores. Around 4100 people are assisted through our SHG linkage.

Major activities of SHG members1. Thatching of Coconut Leaves2. Coir Manufacturing3. Rearing Milch Animals4. Quarry Contracts5. Dairy units

Though the above activities are predominantly done by SHG members. Branch has financed to some SHGs which are engaged in the following Economic Activities:1. Areca nut Leaves Plate Production2. Sanitary Napkin Manufacturing3. Hollow Block Manufacturing

113

At Kottampatti the following NGOs are functioning:a. DHAN Foundation (KALANJIUM)b. MEET TRUSTc. SWEHET TRUSTd. PACHE TRUSTe. RWEED TRUSTf. RWDT TRUSTg. IADF INDIAN AGRICULTURE DEVELOPMENT FOUNDATIONh. REEDA TRUSTi. IDEAL TRUST

SHGs are properly guided and linked with us only through the above mentioned NGOs. Due to our Self help group finance the standard of living of the villagers has improved. Recovery percentage of the SHG loan at Kottampatti is more than 85%.

Success story of Seithur branch:• This is a small semi urban branch with service area of 7 villages

Panchayat. • In order to cover the financial requirements of the village people.

Branch thought of an idea of forming one Farmers club in each village .In all the 7 village Panchayat farmers club was formed.

• Self help groups were formed in the villages by NGOs TCNR, Gandhiji trust, SEVA, TEAMS and EEE.

• About 525 SHGs are functioning in the village. With the help of NGO branch has so far linked 492 groups amounting to 2.70 crores covering a cross section of the people in the village. About 9840 members of the SHGs are benefitted under the scheme. 90% recovery percentage is noted.

• With the help of farmers club agricultural loans to the tune of Rs 10.55 crore is financed by the branch covering 3750 beneficiaries. Branch is also able to give 225 education loans amounting to 1.89 crores.

• As result of the success in financing SHGs with the help of Farmers club members branch was able to triple its deposit base from Rs. 7.22 crores (march 2006) to Rs.20 crores(Sept 2011). Branch was able to increase its advance by four times in three and half years from Rs.4.85crores (March 2006) to Rs.27 crores(Oct As of Sep 2011).

114

agenda: 1 118th slbc - slbctn.com slbc agenda.pdfagenda: 1 129th slbc confirmation of the minutes of...

Documents