agenda – 2 no. action to be taken action by action taken

6

Agenda – 1 Adoption of minutes : The minutes of State Level Bankers’ Committee meetings held on 29.06.2011 was circulated to all members. In this connection, a letter for amendment has been received from Reserve Bank of India , Guwahati, (for opening of bank branches in 4 centres covering 6 blocks) as under :

The SLBC had discussed in details the strategy for coverage of unbanked blocks in Arunachal Pradesh and extensive mapping of these blocks to existing branches, new branches,BCs etc, was carried out in the meeting . While efforts taken by the SLBC to meet the target of coverage of unbanked blocks by March’2012, is much appreciated, it may be pointed out that a one time exercise had already been carried out to identify centres, i.e. ‘ Agreed List’ of centres , to be included under RBI Subvention scheme and the scheme applies only to the 12 centres drawn up for the state of Arunachal Pradesh, viz. Mariyang, Gensi, Riga, Pongchao, Wakka, Pakke Kessang , Taliha, Rumgong, Chiyangtazo, Khimyang , Yupia and Mechuka . The house may discuss on the issue. Since no other request for amendment has been received, the house may adopt the other aspects of the said minutes.

Agenda – 2 Follow up action on the decisions of the SLBC meeting dated 29.06.2011 (last meeting)

No. Action to be taken Action by Action taken

1. SLBC Meeting to be invariably be participated by all decision making authorities

All Banks/ SLBC Members Advised all the members accordingly.

2. Govt of Arunachal Pradesh to discourage keeping their funds with those banks whose performance in priority sector lending is negligible.

Concerned departments, Govt of A.P.

Govt departmemts may appraise the house.

3.

Implementation of crop insurance scheme in A.P. .

Deptt of Agriculture / Deptt of Finance , Govt of A.P.

Concerned department may appraise and discuss on the issue.

4. Target under ACP and PMEGP (2011-12) to be revised .

NABARD / KVIC. No revised target is received. Representatives of NABARD / KVIC may appraise the house.

5. Land possession certificate from Gaon Bura duly

Concerned deptt, GoAP./ SLBC Convener Bank

Specimen of land possession certificate ( placed in page No

7

certified by the BDO as per simplified model of Assam to be introduced for Agricultural loan. Clearance from Panchayat Raj department to be obtained in this regard.

16 , 17 ) submitted to

concerned deptt for their examination & approval. House may discuss on the issue and approve.

6. All 34 identified unbanked blocks of A.P. to be covered by banks by March’2012.

GoAP/ RBI/ BSNL/ Banks Status report placed in page

No. 19 , 20

7. All the 6 (six) RSETIs to be set up by March’2012.

Concerned deptt , GoAP/ Deputy Commissioners of the districts/ Banks

To be discussed. Status report

placed in page No. 13

8. To have clear signal from satellite for VSAT, South Easr direction should not have any obstruction. Setting up of VSAT will be freeof cost.

RBI/ BSNL/ Banks

9. Reimbursement of cost of training incurred by SBI-RSETI, Doimukh for training to BPL Candidates by DRDA , Yupia to SBI.

Commissioner (RD) / DRDA , Yupia , GoAP.

Not yet reimbursed. Bills submitted to the P.D. Yupia and to the Commissioner, Rural Development, GoAP, Itanagar. To be discussed.

10. Check List to be sent to sponsoring Agencies to have the documents complete in all respects.

Convener Bank on behalf of all Banks .

Check List has been submitted to the Govt department for onward submission to all the Sponsoring Agencies.

Agenda - 3 Development in Banking operation in the state :

8

Deposit : There is decrease in aggregate deposits by Rs. 133.38 crores during the quarter ending June’11 over the March ’11 level which works out to 2.50 % decrease . Advances : There is increase in aggregate advances by Rs. 14.78 crores during the quarter ending June’11 over the March’11 level which works out to 0.83 % increase . C D Ratio: CD Ratio has increased from 33.71 % as on March’11 to 34.86 % as on June’11. The following banks have registered a marginal improvement in CD Ratio during the quarter :

SBI ( 25.11 % - 26.76% ) , BOM ( 9.67 % - 16.11% ) , Vijaya ( 3.67 % - 5.24 %) , Union ( 16.90 %- 19.47 %) , Canara (13.17 % - 16.69 %) , BOI ( 0.00 % - 19.66 %) . Allahabad ( 0.46 % - 7.15 %) Syndicate ( 26.64 % - 27.56 %) CBI ( 15.88 % - 17.91 %) OBC ( 0.00 % - 4.66 %), IDBI ( 212.34%- 236.06 %) In case of all other banks CD Ratio during the quarter June ’11 has decreased over last quarter ( March ’11 ) . The following banks with less than 20 % CD Ratio, must implement their strategies urgently. 1. Vijaya Bank- 5.24 % , 2. CBI – 17.91 % , 3. BOB - 17.53 % , 4. ICICI Bank ( 0.23 %) , 5. Allahabad Bank ( 7.15 %) . 6. Axis – 14.48 % , 7. PNB – 7.71 % 8. Union – 19.47 % 9. BOM – 16.11 % 10. BOI -19.66% 11. OBC – 4.66 % 12. HDFC- 16.66 % 13. YES Bank – 0.00 % 14. Canara – 16.69 % (a) Total No. of Banks operating in the state : 22 (b) No. of Banks with CD Ratio less than 20% : 14 © No. of Banks with CD Ratio less than 30% but 20% and above : 3 (d) No. of Banks with CD Ratio less than 40% but 30% and above : 2 ( e) No. of banks with more than 40 % : 3

Bank wise position of deposits , advances and CD Ratio are given in page No. 24

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The district wise position of comparative CD Ratio as on 31.03.2011 and 31.06.2011 are given here under:

Business figures as on 30.06.2011

CD Ratio Rs in crores

Sl No.

Name of district

No. of bank

Deposits Advances

As on 30.06.11

As on 31.03.11

Position of formation of SSC

Last date of meeting of SSC

1 Tirap 6 137.99 36.29 26.30 22.56

2 Changlang 7 174.42 42.20 24.19 19.15

3 W/Kameng 8 294.24 73.44 24.96 23.95

4 Tawang 5 441.97 30.91 6.99 6.80

5 D/Valley 2 17.54 4.37 24.92 23.91

6 L/D/Valley 4 100.62 24.62 24.46 20.21

7 E/Kameng 3 59.34 37.41 63.05 65.34

8 Lohit 10 254.10 84.77 33.36 28.95

9 Anjaw 1 17.93 3.77 21.05 19.44

10 P/Pare 37 2795.23 770.68 27.57 28.06 09.07.10 10.11.10

11 U/Subansiri 4 111.84 41.30 36.93 33.83

12 L/Subansiri 8 130.81 68.00 51.99 40.11 19.03.10

13 K/Kumey 3 13.16 7.31 55.62 57.68

14 E/Siang 10 258.48 84.80 32.81 30.63

15 W/Siang 11 321.06 115.33 35.92 33.17

16 U/Siang 5 67.79 15.16 22.36 21.13

** SSC (Special Sub Committee) is to be formed in the district where CD Ratio is below 40% and action to be taken .

Summary of CD Ratio (Analysis) :

• CD Ratio of all banks is 34.86 % , against RBI norms of 60 % .

10

• CD Ratio more than 60 % in 1 districts.

• CD Ratio more than 40 % & below 60 % in 2 districts.

• CD Ratio below 40 % in 13 districts .

• CD Ratio below 20 % in 1 districts viz. Tawang ( 6. 99 % ).

Priority sector Advances : Positive growth of Rs. 27.04 crores recorded during June ’11 quarter over March ‘11. The percentage of growth is 2.93 %.

Bank wise position of priority sector Advances is given in page No. 26 of this booklet.

Agenda – 4 : Agricultural Advances Positive growth of Rs. 2.48 crores recorded upto June’11 over March ’11 , The percentage of growth is 0.63 % .

Bank wise position of Agricultural Advances is given in page No. 27 of this Booklet. Flow of credit to Agriculture : Agricultural advances at the end of June ’11 are Rs. 88.30 crores , which is 6.13 % (RBI bench mark is 18 %). And including RIDF of NABARD, Agricultural advances is Rs. 393.87 crores , which is 21.74 % of total advances . Net increase in agricultural sector during April’11 to June ’11 is Rs. 2.48 crores.

Outstanding (Rs. In crores) 30.06.2011

% of Agr. Advances

Crop Loan 29.43 33.33

Term Loan 58.87 66.67

Total 88.30

11

Growth during the quarter

March ‘11 to June ’11

(2011-12 )

Total increase Rs. 2.48 crores

Crop Loans (-) Rs. 0.78 crores

Term Loans Rs. 3.26 crores

New Loan sanctioned

Crop Loans Rs. 3.59 crores

Term Loans Rs. 8.51 crores

Total Rs. 12.10 crores

Target for KCC during

the year 2011-12

8970

No. of new KCC issued 656

Cumulative position of

KCC issued

16146 Nos.

Crop Loan recovery % -- 26.83

Agri Loan Recovery % -- 26.68

Bank wise performances under Crop Loans and KCC are furnished in page No. 30 and 37 respectively . Agricultural Loan outstanding and recovery performances are placed in

page No 27 .

Agenda – 5 :

Review of performance under ACP 2011-12

Comparative position

Rs. In crores

Partculars As on June ‘2010 As on June ’ 2011

Target for the year 116.81 193.97

Achievement 19.28 26.50

Percentage 16.51 14.00

Summary segment wise :

Rs. In crores

As on June’ 2010 As on June’ 2011

Sector Target Achievement % Target Achievement %

Agri 69.02 3.79 5 112.00 12.10 11

Industry 14.25 1.46 10.2 21.65 3.83 18

Services 33.54 14.02 41.8 60.32 10.58 18

12

Major Banks with low achievement percentages are as under:

Bank No. of branches % of achievement up to June ’11

UCO 2 0

UBI 1 0.33

Indian 1 0

Syndicate 1 0

IDBI 1 0

Axis 1 0

Union 1 0

ICICI 1 0

BOM 1 0

OBC 1 0

BOB 1 3

PNB 1 8

BOI 1 8

Agenda – 6 Review of progress under MSME Sector The over all growth during the quarter is Rs 12.97 crores , which is 8.16 % over March ‘2011 level. The sub segment wise growth is as under : Sub segment Growth (Rs. In

crores) during the

quarter

Growth % over

June’’10 level

Micro 11.00 38.53

Small 1.97 38.95

Medium

The Bank wise performances are placed in page No. 57

13

SHG Credit Linkages : Target(No.) Achievement % of achievement

No. of SHG Credit Linked 658

32 4.86

Amount of Loan disbursed

Rs. 43.56 Lacs

Bank wise position is placed on page No 36

Agenda – 7 : Committee on Financial Sector plan (CFSP) (a) Progress report as on 30.06.2011 The status report as on 30.06.2011 for 1 (one) district identified for 100 % Financial inclusion is furnished below:

Sl No. District Lead Bank

No. of House holds

House hold covered upto March’11

House hold covered upto June ’11

% of house hold covered

1 West Siang SBI 16000 14096 14107 88.17

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The Bank wise position of CFSP is shown from page No. 59 to 64. (b) Providing banking services in every villages having population of over 2000 by March’ 2012- achievement

List of villages along with road map and time line and achievement is placed in page No. 90 .

( C) ) Road map for providing banking services through BC Model in 105 unbanked villages having population 1000 & above, upto 2000 of Arunachal Pradesh : Approved in the last SLBC Meeting dated 29.06.2011 .

Details given in page No. 74 to 77

( d) Financial Literacy & Credit Counselling Centres : FLCC Centres are distributed

to banks and confirmed by all in the SLBC Meeting dated 29.06.2011.

Districts allotted to banks for setting Financial Literacy & Credit Counselling (FLCC) centres

are as under :

Sl No. District Bank

1 Papumpare APRB

2 Lohit APRB

3 Anjaw SBI

4 Tawang SBI

5 Tirap SBI

6 Lower Subansiri A.P.Co-op Apex Bank

15

7 Changlang PNB

8 Upper Subansiri Canara Bank

9 Kurung Kumey Syndicate Bank

10 East Siang Vijaya Bank

11 West Siang Union Bank

12 Upper Siang Bank of India

13 East Kameng Central Bank of India

14 West Kameng UCO Bank

15 Dibang Valley Indian Bank

16 Lower Dibang Valley United Bank of India

No report received from the banks for setting up FLCC Centres .

However, various Lead District Manages have conducted Financial Literacy camps in

various villages , which are as under :

Sl No. Date District Village Conducted by

1 28.07.2011 Changlang Diyun LDM, Dibrugarh

2 28.07.2011 Lohit Mekaliang LDM, Tezu

3 26.08.2011 Papumpare Garung Karbi Village LDM, Itanagar

All the Lead District Managers will conduct Financial Literacy camp at least one in a

month in each district.

( e ) Setting up of Rural Self Employment Training Institute (R-SETI) in 6 (Six)

Districts of Arunachal Pradesh : Progress Report

6 (Six) R-SETI Centres have been allotted to banks, as per decision taken in last SLBC

Meeting held on 17.03.2011. Details of the centres are as follows:

Sl No. R-SETI Centre Bank allotted Present status

1 West Kameng SBI Land is yet to be

16

allotted by the Govt.

2 Lower Subansiri SBI - DO –

3 East Siang Vijaya Bank Bank to appraise

4 Lohit United Bank of India Bank to appraise

5 Changlang P N B Bank to appraise.

6 Papumpare A P Rural Bank Land is allotted.

Will start

functioning in a

rented premises by

Oct / Nov ‘2011

For allotment of land, matter has been taken up with the Chief Secretary, Govt of Arunachal Pradesh as well as with the respective district Authorities. Agenda – 8 Credit flow to the members of minority community Govt of India, Ministry of Welfare has notified the following as minority communities: (i) Muslims (ii) Christians (iii) Buddhists (iv) Sikhs (v) Zoroastrians . Arunachal Pradesh has the following districts having minority concentration:

17

1. Changlang 2. East Kameng 3. Lower Subansiri 4. Papumpare 5. Tirap 6. West Kameng 7. Tawang .

The status reports from the Banks are placed in page No. 46 and 58 .

Agenda – 9 : PMEGP

Performance of loans sponsored under PMEGP during 2010-11 is placed in page No. 33 of this booklet . Industries department, Govt of Arunachal Pradesh has advised that some banks expressed their inability to finance PMEGP proposals due to reasons like high percentage of NPA and also due to high CD Ratio under various schemes . House may discuss the issue.

Agenda- 10 : Implementation of SGSY Scheme :

Bank wise performance of loans sanctioned under SGSY Scheme is placed in page No. 32 .

Agenda – 11 : Opening of some new branches of public sector banks with ATM facilities in Pasighat Township.

18

For opening of some bank branches in Pasighat town/ its surrounding areas reports from banks are yet to be received. Since people of Pasighat area are in need of more banks with ATM facility , all banks are requested to open branches . In the mean time , HDFC Bank has opened a branch on 02.09.2011at Pasighat. Agenda – 12 : Crop Loan : Simplified certificate A simplified form of certificate (Specimen) for availing crop loan is given below and placed before the SLBC for approval . S P E C I M E N

19

CERTIFICATE

To

The Branch Manager / Chief Manager,

Name of the Bank : Name of the branch :

Dear Sir/ Madam,

This is to certify that Shri / Smt ……………………………………………….

S/O, D/O , W/O ……………………………………………is the bonafide farmer

Residing in village / town ………………………………………..P.O. ……………….

Under revenue circle ……………………………..of district …………………………

His/ her total area under cultivation is …………………. Located in village ………….

…………………and he / she is growing crops as under :

CROP AREA

Kharif

1.

2.

3.

4.

Rabi

1.

2.

3.

Any other crop (name)

1.

2.

The above information are furnished on the basis of crop register maintained by us and this is subject to

inspection by any authority at any time.

Recent Photograph of beneficiary

(To be identified by)

VLW/AFA

Signature & seal across the photograph

Date :

Signature of VLW / AFA verified Countersigned by

Address : Agricultural Development Officer

Date : Signature with Seal

Date :

20

SPECIMEN

Govt of Arunachal Pradesh SL NO.

OFFICE OF THE

………………….. Gaon Panchayat Date :

…………….. Village , P.O. ………………. District (A.P.)

Photograph

TO WHOM IT MAY CONCERN

This is to certify that Shri / Smt …………………………………… S/O, D/O, W/O

………………………………………Shri ………………………….an inhabitant of village

…………………………………., P.O. ………………..Mouza ………………. P.S. ………

………… , Dist . in the state of Arunachal Pradesh is well known to me .

He/ she belongs to SC/ST/OBC / GEN Community . He/ she has paid all taxes of this panchayat during

the year …………………

He/ she lives on BPL / APL .

I wish his/ her every success in life .

Ward No. ……….

President / Secretary

………………Gaon Panchayat

Place :

Date :

Countersigned by

BDO, CD Block …….

(Signature with seal )

Date :

21

Agenda – 13 Bank wise SGSY Target for 2011-12 Bank wise target under SGSY Scheme for 2011-12 for the state of Arunachal Pradesh, received from Department of Rural Development , Govt of Arunachal Pradesh , is placed below for approval of the house .

Sl No. Name of Banks Credit target under SGSY (2011-12) (Rs. In Lacs )

1 SBI 748.17

2 UCO 4.09

3 Vijaya 21.49

4 CBI 5.48

5 UBI 39.42

6 BOB 2.97

7 Indian 2.97

8 Syndi 2.97

9 IDBI 0.75

10 AXIS 0.75

11 UNION 2.60

12 ICICI 0.75

13 PNB 5.48

14 HDFC 0.75

15 BOM 2.60

16 Allaha 2.60

17 Canara 2.60

18 OBC 2.60

19 BOI 2.60

20 YES BANK 0.75

21 APRB 344.47

22 APSCAB 393.22

TOTAL 1590.00

District wise / bank wise target is given in page No. 83 to 89 of this booklet.

22

Agenda – 14 Unbanked Blocks : Status Report :

Sl No.

District Block Bank to which allotted

Mode Status

1 West Kameng Thrizino

2 East Kameng Pakke Kessang

3 Chiyangtazo

4 Bameng Existing Bank –SBI, Seppa

Covered by SBI Seppa Branch

5 Bana --do-- --do--

6 Kurung Kumey Damin

7 Sarli

8 Tali

9 Pipsorang

10 Nyapin

11 Chambang

12 Anjaw Hawa-Walong

13 Chaglogam

14 Manchal Existing Bank –SBI, Hayuliang Br

Covered by SBI Hayuliang Br

15 Dibang Valley Anelih-Arzoo

16 Etalinmaliney

17 Changlang Khimyang

18 Nampongmanmao Existing Covered by

23

Bank –SBI, Jairampur Br

SBI-Jairampur Br.

19 Tirap Wakka

20 Laju

21 Pongchao

22 Upper Subansiri

Nacho

23 Siyum

24 Giba

25 Taliha APRB Regular Branch

Bank building/staff quarter/security yet to be provided by State Govt

26 Puchi Geku

27 Papumpare Mengio

28 Balijan

Existing Bank –Allahabad Bank, Tetulbari Br

Representative from Allahabad Bank to appraise

29 West Siang Monigong

30 Rumgong APRB Regular Branch

12.08.11

31 Gensi APRB Regular Branch


32 Liromoba

33 East Siang Riga APRB Regular Branch

Bank building/staff quarter/security yet to be

24

provided by State Govt

34 Upper Siang Mariyang APRB Regular Branch


Agenda – 15 : Opening of currency chest branches : Status Report

Sl No. District Centre Allotted to Bank

Status Report

1 Papuumpare Yupia S B I Branch building/staff quarter yet to be provided by State Govt

2 West Siang Mechuka S B I --do--

Agenda – 16 Development of commercial Horticulture through production and post harvest management under National Horticulture Board (NHB) Scheme. Representative from National Horticultural Board may appraise the house.

Agenda – 17 :

RBI Remittance :

A. Issue Department at the RBI should ensure at all times that the Currency Chest

Branch are adequately fed with sufficient cash and the Branches especially the remotely

placed ones do not dry up due to non receipt of timely Remittance

.

B. State Government is requested to invariably provide armed police escort for RBI

Remittance on pre determined date so that the escort party from the other state and

escorting Bank / RBI Officials are not made to wait at the transit point and eventually

return to RBI or other nearby centre overnight.

25

Agenda – 18 : Miscellaneous issues

• Implementation of Electronic Benefit Transfer (EBT) and its convergengence with Financial Inclusion Plan (FIP)

• All the Lead District Managers to convene DCC/DLRC/DLSC Meetings regularly at quarterly intervals and detail information of the respective districts to be submitted to the Convenor, SLBC well in time for compilation of data relating to subsequent SLBC Meetings.

• All the banks to submit the quarterly reports by 15th of the following month to the respective LDMs .

• Any other issue.

@@@@

SPECIAL SLBC MEETING ON PRIORITY SECTOR ADVANCES UNDER AGRICULTURAL LENDING – CROP LOANS As per advice of Ministry of Finance, Govt of India, the Special SLBC Meeting is being held to discuss detailed action plan for extending crop loans to farmers. Issues and action points for discussion are as under :

Sl No. Issues Action

1 Finalisation of a common format for crop loan which will be applicable to all banks

By SLBC Convener in consultation with all other banks and State Government .

2 Centralized printing of the format Department of Agriculture and the State Government and copies to be made available to District Agricultural Officer.

3 Assignment of a group of villages to various field functionaries for collection of application forms for crop loans (This could include functionaries of Rural Development Department , Co-operative Department , Panchayat Department , Sugar cane department etc to name a few )

Orders to be issued by State Government and to be reviewed by DCC headed by the Deputy Commissioners on a daily basis at least for two weeks.

4 Application to be submitted to each bank in DCC / Banks

26

whose service area the villages fall.

5 No bank to charge any fees for crop loan which include documentation fee, advocate, processing and renewal.

Banks to issue orders

6 Bank to sanction a permanent cash credit limit to be renewed each year on the verification of land holding.


7 There will be no requirement of getting ‘ no dues certificate’ from other banks. It is the responsibility of other banks to inform the bank having the village in the service area to inform of any dues outstanding .


agenda – 2 no. action to be taken action by action taken

Documents