Lok Sabha Question No. 3337 (UNSTARRED), answered on 2016-08-05
Subject: Performance of Cooperative Banks
Ministry: FINANCE
Asked by: RAVINDRA KUMAR PANDEY

## Government of India Ministry of Finance Department of Financial Services

## LOK SABHA Unstarred Question No. †3337

To be answered on Aug 05, 2016/Shravana 14, 1938 (Saka)

## Performance of Cooperative Banks

†3337. SHRI RAVINDRA KUMAR PANDEY:

Will the Minister of FINANCE be pleased to state:

- (a) whether any review on performance of cooperative banks working in the country has been done; and
- (b) if so, the details and the outcome thereof, State-wise including Jharkhand?

Answer The Minister of State in the Ministry of Finance (Shri Santosh Kumar Gangwar)

- (a) Reserve Bank of India (RBI) has reported that it reviews the performance of the Urban Co-operative Bank (UCB) sector each year and prepares a detailed activity report. National Bank for Agriculture and Rural Development (NABARD) has reported that it reviews the performance of cooperative banks on regular basis.
- (b) The data on the select financial indicators of the UCB sector along with the Capital adequacy- wise distribution of UCBs as on 31.03.2015 as reported by RBI is given in Annex I .Further, a comparison of the financial performance of Urban Co-operative Banks (UCBs) for the financial year 2013-14 and 2014-15 and the data on the regional spread of UCBs in the country is also given in Annex II. RBI has reported that the data is maintained on the basis of information furnished by the banks to their Regional Offices, as such the same are not maintained State-wise.

NABARD has reported that recently a review of State Cooperative Banks (StCBs) has been undertaken by it in National Review Meet of State Co-operative Banks including Jharkhand on 11.07.2016. The state-wise details, including Jharkhand, of the performance of StCBs under different parameters are given in Annex III.

## Annex Ito USQ 3337 for 05.08.2016

## (A) Select financial indicators of UCBs:

## (Amt. in Rs. Crore)

| Sr   | Indicators           | As on March 31, 2015   | As on March 31, 2015   | As on March 31, 2015   |
|------|----------------------|------------------------|------------------------|------------------------|
| No.  |                      | Scheduled UCBs         | Non-scheduled UCBs     | All UCBs               |
| 1    | No. of UCBs          | 50                     | 1529                   | 1579                   |
| 2    | No. of Branches      | 2503                   | 7219                   | 9722                   |
| 3    | Deposits             | 164221                 | 190913                 | 355134                 |
| 4    | Advances             | 105771                 | 118558                 | 224329                 |
| 5    | Investments          | 51507                  | 71600                  | 123107                 |
| 6    | Total Assets         | 203614                 | 231584                 | 435197                 |
| 7    | Net profit after tax | 1377                   | 2133                   | 3511                   |
| 8    | Return on asset (%)  | 0.70                   | 0.97                   | 0.84                   |
| 9    | Gross NPA ratio (%)  | 6.08                   | 5.97                   | 6.02                   |
| 10   | Net NPA ratio (%)    | 2.79                   | 2.54                   | 2.66                   |
| 11   | CD ratio (%)         | 64.41                  | 62.10                  | 63.17                  |

## (B) Capital Adequacy-wise distribution of UCBs:

| CRAR (%)             | No. of UCBs as on March 31, 2015   | No. of UCBs as on March 31, 2015   | No. of UCBs as on March 31, 2015   |
|----------------------|------------------------------------|------------------------------------|------------------------------------|
|                      | Scheduled UCB                      | Non-scheduled                      | All UCBs                           |
| Negative             | 4                                  | 17                                 | 21                                 |
| 0 and above but < 3  | 0                                  | 13                                 | 13                                 |
| 3 and above but < 6  | 1                                  | 14                                 | 15                                 |
| 6 and above but < 9  | 0                                  | 27                                 | 27                                 |
| 9 and above but < 12 | 9                                  | 189                                | 198                                |
| 12 and above         | 36                                 | 1269                               | 1305                               |
| Total                | 50                                 | 1529                               | 1579                               |

Source: Reserve Bank of India

## Annex II to USQ 3337 for 05.08.2016

## (A) Financial performance of Urban Co-operative Banks(UCBs) for financial year 2013-14 & 2014-15

(Amt. in Rs. Crore)

|                                     | 2013-14   | 2014-15   | %Growth   |
|-------------------------------------|-----------|-----------|-----------|
| 1.Asset Quality                     |           |           |           |
| (i) Gross Advances                  | 200352    | 224329    | 11.97     |
| (ii) Gross NPA                      | 11500     | 13501     | 17.40     |
| (iii) Net NPA                       | 4146      | 5711      | 37.74     |
| 2. Total Income                     | 38629     | 44002     | 13.91     |
| (i) Interest Income                 | 35891     | 40628     | 13.20     |
| (ii) Non-interest Income            | 2738      | 3374      | 23.25     |
| 3. Total expenditure                | 32681     | 37481     | 14.69     |
| (i) Interest expenditure            | 24522     | 28225     | 15.10     |
| (ii) Non-interest expenditure       | 8159      | 9256      | 13.45     |
| 4. Operating Profit                 | 5948      | 6521      | 9.64      |
| 5. Provisions, contingencies, taxes | 2963      | 3010      | 1.59      |
| 6. Amount of net profit             | 2984      | 3511      | 17.63     |

## (B) Regional Spread of Urban Co-operative Banks (UCBs):

| State         | Number of UCBs   | Number of UCBs   | No. of branches   | No. of branches   | Deposits ( ` Crore)   | Deposits ( ` Crore)   | Advances ( ` Crore)   | Advances ( ` Crore)   |
|---------------|------------------|------------------|-------------------|-------------------|-----------------------|-----------------------|-----------------------|-----------------------|
|               | No.              | Share (%)        | No.               | Share (%)         | Amount                | Share (%)             | Amount                | Share (%)             |
| Maharashtra   | 510              | 32.3             | 5442              | 56.0              | 223075                | 62.8                  | 139661                | 62.3                  |
| Karnataka     | 265              | 16.8             | 1012              | 10.4              | 29461                 | 8.3                   | 19961                 | 8.9                   |
| Gujarat       | 226              | 14.3             | 1028              | 10.6              | 38506                 | 10.8                  | 24806                 | 11.1                  |
| Tamil Nadu    | 129              | 8.2              | 260               | 2.7               | 8111                  | 2.3                   | 5308                  | 2.4                   |
| Uttar Pradesh | 67               | 4.2              | 266               | 2.7               | 6090                  | 1.7                   | 3403                  | 1.5                   |

| Other States   |   382 |   24.2 |   1714 |   17.6 |   49890 |   14.0 |   31189 |   13.9 |
|----------------|-------|--------|--------|--------|---------|--------|---------|--------|
| All India      |  1579 |    100 |   9722 |    100 |  355134 |    100 |  224329 |    100 |

Source: Reserve Bank of India

| Rs. in lakh   | Rs. in lakh                        | Rs. in lakh   | Rs. in lakh    | Rs. in lakh                   | Rs. in lakh                                 | Rs. in lakh                           | Rs. in lakh        | Rs. in lakh       | Rs. in lakh        | Rs. in lakh               | Rs. in lakh   | Rs. in lakh                  |
|---------------|------------------------------------|---------------|----------------|-------------------------------|---------------------------------------------|---------------------------------------|--------------------|-------------------|--------------------|---------------------------|---------------|------------------------------|
| Sr. No.       | Name of the State Cooperative Bank | Share capital | Total Deposits | Total Loan Outstanding Amount | Out of Total Loan Outstanding Loan ST (SAO) | Loans O/S- Term Loans (Agri & allied) | Net Profit 2015-16 | Net Loss 2015- 16 | Gross NPA (Amount) | Gross NPA % Gross NPA (%) | Net Worth     | CRAR (%) As on 31 March 2016 |
| 1             | 2                                  | 3             | 4              | 5                             | 6                                           | 7                                     | 8                  | 9                 | 10                 | 11                        | 12            | 13                           |
| 1             | CHHATTISGARH                       | 13262.48      | 251128.84      | 218841.09                     | 99467.01                                    | 5865.06                               | 2154.18            |                   | 11014.21           | 5.03                      | 35042.47      | 10.29                        |
| 2             | MADHYA PRADESH                     | 51581.20      | 501272.52      | 1071103.03                    | 550148.14                                   | 22474.39                              | 5678.02            | 0.00              | 32989.97           | 3.08                      | 142061.51     | 11.20                        |
| 3             | UTTAR PRADESH                      | 27442.71      | 711057.26      | 807937.65                     | 444945.88                                   |                                       | 2006.07            | 0.00              | 33518.61           | 4.15                      | 89560.61      | 12.03                        |
| 4             | UTTARAKHAND                        | 6743.87       | 134011.1       | 128164.17                     | 49000.00                                    | 67197.04                              | 929.66             |                   | 2767.44            | 2.16                      | 10276.19      | 11.35                        |
|               | CENTRAL REGION TOTAL               | 99030.26      | 1597469.7      | 2226045.94                    | 1143561.03                                  | 95536.49                              | 10767.93           | 0.00              | 80290.23           | 3.61                      | 276940.78     |                              |
| 5             | ANDAMAN & NICOBAR                  | 439.90        | 68896.564      | 36063.62                      | 1073.26                                     | 4140.28                               | 502.25             | 0.00              | 9271.18            | 25.71                     | 12829.7024    | 25.70                        |
| 6             | BIHAR                              | 2673.86       | 223649.69      | 205512.07                     |                                             | 1873.52                               | 3596.58            |                   | 21248.99           | 10.34                     | 59356.7       | 14.94                        |
| 7             | JHARKHAND                          | 1487.45       | 52654.38       | 3361.28                       | 0.00                                        | 6.40                                  | 0.00               | 551.21            | 936.73             | 27.87                     | 1932.91       | 19.17                        |
| 8             | ORISSA                             | 37615.60      | 667579.5       | 799198.30                     | 599728.00                                   | 17602.51                              | 1665.93            | 0.00              | 19351.14           | 2.42                      | 81406.8       | 8.98                         |
| 9             | WEST BENGAL                        | 7667.09       | 777974.08      | 550790.60                     | 147639.95                                   | 17912.44                              | 56.60              | 0.00              | 40293.52           | 7.32                      | 18761.37      | 9.03                         |

|    | EASTERN REGION TOTAL   |   49883.90 |        1790754.2 |       1594925.87 |        748441.21 | 41535.15   | 5821.36   | 551.21   |   91101.56 |   5.71 |   174287.482 |       |
|----|------------------------|------------|------------------|------------------|------------------|------------|-----------|----------|------------|--------|--------------|-------|
| 10 | ARUNACHAL PRADESH      |   19242.1  |  14261           |  21141.6         |    118.55        | 0.00       | 0.00      | 563.21   |   19686    |  93.11 |      6760.56 | 59.40 |
| 11 | ASSAM                  |    1174.87 | 203867           |  87926.6         |   3290.06        | 3170.69    | 324.85    | 0.00     |    9434.2  |  10.73 |      5671.59 | 11.15 |
| 12 | MANIPUR                |    1527.6  |   9885.1         |  13505.5         |     11.77        | 5813.40    | 0.00      | 1254.22  |   12087.4  |  89.5  |     -6107.37 | 4.00  |
| 13 | MEGHALAYA              |     856.79 | 185816           | 105734           |   3058.41        | 8668.40    | 1301.52   |          |    8076.51 |   7.64 |     14070.1  | 28.64 |
| 14 | MIZORAM                |     186.79 |  59202.5         |  40038.9         |    885.36        | 3058.12    | 624.65    | 0.00     |    4392.16 |  10.97 |      3255.08 | 9.19  |
| 15 | NAGALAND               |    5951.71 |  49089.7         |  33007.7         |   1683.96        | 2101.12    | 215.92    | 0.00     |    4470.02 |  13.54 |      2933.21 | 10.22 |
| 16 | SIKKIM                 |    1471.49 | 240667           |  44308.2         |   1996.17        | 0.00       | 269.75    | 0.00     |    1010.27 |   2.28 |      2136.89 | 19.77 |
| 17 | TRIPURA                |    2536.52 | 204344           | 117981           |   5518.47        | 12124.91   | 2055.91   | 0.00     |    4066.28 |   3.45 |     16479.3  | 17.27 |
|    | NORTH EASTERN REGION   |   32947.9  | 967131           | 463643           |  16562.8         | 34936.64   | 4792.60   | 1817.43  |   63222.8  |  13.64 |     45199.4  |       |
| 18 | CHANDIGARH             |     128.17 |  30261.3         |  13393.7         |      0           | 15.47      | 425.08    | 0.00     |     493.1  |   3.68 |      5015.34 | 43.50 |
| 19 | DELHI                  |     819.96 | 101966           |  59500           |    833.34        | 8.83       |           | 822.85   |    3139.05 |   5.28 |     23736.3  | 29.15 |
| 20 | HARYANA                |   13799    | 310491           | 631860           | 423300           | -          | 2380.00   | -        |     281    |   0.04 |     73273    | 10.22 |
| 21 | HIMACHAL PRADESH       |     858.06 | 819767           | 436316           |  68345.1         | 69477.24   | 14831.53  | 0.00     |   27035.2  |   6.2  |     66357.7  | 0.16  |
| 22 | JAMMU AND KASHMIR      |     438.52 |  71777.5         |  18892.6         |   1109.15        | 30.39      | 27.92     | 0.00     |    3239.47 |  17.15 |      2178.62 | 9.11  |
| 23 | PUNJAB                 |   15940.1  | 256017           | 747065           | 522500           | 44058.67   | 1119.98   | 0.00     |    6294.21 |   0.84 |     74065.1  | 8.43  |
| 24 | RAJASTHAN              |   39826.7  | 416675           | 799251           | 689160           | 44033.95   | 2194.20   | 0.00     |    2834.35 |   0.35 |     77010.3  | 9.56  |
|    | NORTHERN REGION TOTAL  |   71682.3  |      1.97669e+06 |      2.69288e+06 |      1.70525e+06 | 157609.08  | 20553.63  | 822.85   |   42823.3  |   1.59 |    316621    |       |
| 25 | ANDHRA PRADESH         |   22664.3  | 353826           | 723020           | 394046           | 139016.29  | 5433.68   | 0.00     |    2810.13 |   0.39 |    124386    | 9.38  |

| 26   | KARNATAKA             |   28222.33 |        720147.67 |        950687.45 |        527910.17 |        187759.16 |   3145.00 |    0.00 |   30884.00 |   3.25 |         96105.34 | 8.46   |
|------|-----------------------|------------|------------------|------------------|------------------|------------------|-----------|---------|------------|--------|------------------|--------|
| 27   | KERALA                |   67873.8  | 610669           | 162506           | 144232           |  18130.1         |   2731.49 |    0    |   53352.4  |  32.83 |  35310.9         | 11.50  |
| 28   | PONDICHERRY           |    2487.01 |  61098           |  38179.2         |   1383.42        |   1413.2         |    394.12 |    0    |    2273.56 |   5.95 |   4974.38        | 10.17  |
| 29   | TELANGANA             |   10927    | 325241           | 408028           | 186661           |  91477.4         |   1576.9  |    0    |    1585.08 |   0.39 |  68234.1         | 10.56  |
| 30   | TAMIL NADU            |   30756.2  | 892793           | 735859           | 448768           |  46035           |   5188    |    0    |   22874    |   3.11 | 116320           | 12.96  |
|      | SOUTHERN REGION TOTAL |  162931    |      2.96377e+06 |      3.01828e+06 |      1.703e+06   | 483831           |  18469.2  |    0    |  113779    |   3.77 | 445330           |        |
| 31   | GOA                   |    4859.78 | 188777           | 124092           |   1748.65        |     11.48        |      0    |  755.53 |   11658.6  |   9.4  |   1011.13        | 2.13   |
| 32   | GUJARAT               |    2748.85 | 517804           | 545034           | 184467           | 168857           |   1808.94 |    0    |   13613.4  |   2.5  |  65059.6         | 10.84  |
| 33   | MAHARASHTRA           |   47209.5  |      1.12684e+06 |      1.44421e+06 | 606994           |  79032.5         |  24262    |    0    |  134585    |   9.32 | 194668           | 15.49  |
|      | WESTERN REGION TOTAL  |   54818.1  |      1.83342e+06 |      2.11334e+06 | 793210           | 247901           |  26071    |  755.53 |  159857    |   7.56 | 260739           |        |
|      | GRAND TOTAL           |  471293    |      1.11292e+07 |      1.21091e+07 |      6.11002e+06 |      1.06135e+06 |  86475.7  | 3947.02 |  551074    |   4.55 |      1.51912e+06 |        |

Source: NABARD