Amount in crores S. No PARTICULARS As on 31.03.2012 As on 31.03.2013 As on 31.03.2014 As on 30.09.2014 1. Number of Branches: Rural 1949 2105 2301 2354 Semi Urban 1488 1627 1785 1877 Urban 1448 1527 1655 1694 Metro 166 198 239 275 Total 5051 5457 5980 6200 2. Deposits 1,22,392 1,45,480 1,65,242 1,73,379 3. Incremental Deposits (% of increase) 18,939 (18.31%) 23,088 (18.86%) 19,762 (13.58%) 8,137 (4.92%) 4. Advances 1,40,901 1,69,710 2,01,201 2,08,008 5. Incremental advances (% of increase) 27,832 (24.62%) 28,809 (20.45%) 31,491 (18.56%) 6,807 (3.38%) 6. C.D.Ratio (RBI norm - 60%) 115.12% 116.66% 121.76% 119.97 7 Incremental CD Ratio 146.96% 124.78% 159.35% 83.65% Statement of Priority Sector Advances (Outstanding)
Amount in crores S. No. Particulars As on 31.03.12 As on 31.03.13 As on 31.03.14 As on 30.09.14 1 Short Term Production loans 38,583 50,343 59,105 72,407 2 Agrl. Term Loans including allied activities 26,634 28,573 28,507 27,148 3. Total Agrl. Advances 65,217 78,916 87,612 99,555 % of Agrl. advances to ANBC (RBI norm- 18%) 57.68% 56.01% 51.62% 49.48% 4. Non Farm Sector / Micro & Small Entps. (% to ANBC ) 14,179 (12.54%) 13,780 (9.78%) 26,302 (15.50%) 27,834 (13.83%) 5. Others’ under Priority Sector Advances (% to ANBC) 23,126 (20.45%) 25,713 (18.25%) 23,336 (13.75%) 22,856 (11.36%) Total Priority Sector Advances 1,02,522 1,18,409 1,37,250 1,50,245 % of Priority Sector Advances to ANBC (RBI norm -40%) 90.67% 84.04% 80.87% 74.67% AGENDA- 3
Achievement of Annual Credit Plan 2014 – 15 Achievement as on 30.09.2014 (Rs. in crores) Sl. No Item Target 2014-15 Achievement (Disbursements during 01.04.14 to 30.09.2014) % of Achievement 1 Short Term Crop Production Loans Khariff Rabi Total 25,888 16,090 41,978 10,108 10,108 39.05 24.08 2 Agrl.Term Loans Khariff Rabi Total 3178 3178 6,356 1,606 1,606 50.53 25.27 3 Allied to Agriculture Khariff Rabi Total 3843 3842 7,685 2,075 2,075 53.99 27.00 4 Khariff Rabi Total Agriculture 32,909 23,110 56,019 13,789 13,789 41.90 24.61 5 Micro & Small Enterprises 10,850 7,645 70.46 6 Others under Priority Sector 11,025 2,449 22.21 7 Total Priority Sector 77,894 23,883 30.66 8 Non Priority Sector 13,565 13,638 100.54 9 Total Credit Plan 91,459 37,521 41.02
SLBC has communicated guidelines received from Department of Agriculture to all banks for implementation of following crop insurance schemes for Rabi 2014-15 season. Name of the Crop Insurance Scheme Details of G.O Letter from SLBC WBCIS G.O.Rt.No.631 dated 19.11.2014 of Agriculture & Co-operation (Agri.II) Dept. Lr.No. 666/30/46/589 dated 21.11.2014 MNAIS G.O.Rt.No.665 dated 29.11.2014 of Agriculture & Co-operation (Agri.II.) Lr.No. 666/30/46/598 dated 01.12.2014 NAIS Dept. G.O.Rt.No.664 dated 29.11.2014 of Agriculture & Co-operation (Agri.II.1) Dept. Lr.No. 666/30/46/598 dated 01.12.2014 All Banks are advised to follow the given guidelines scrupulously and cover all eligible crops under the above scheme without any exception. Reallocation of target for financing JLGs during the year 2014-15 NABARD vide Ref No. NB.APRO/MCID-JLG/2014-15 dated 13 October 2014 informed that keeping in view the Union Budget announcement of provision of finance to 5.00 lakhs Joint Farming Groups of “Bhoomiheen Kisaan”, it has been decided that at least 5.00 lakh Joint Farming Groups will be financed through JLG mode of financing during the current year 2014-15, on all India basis. Keeping in view of GoI objectives, the allocation of target for financing Joint farming Groups (JLGs) district wise, bank wise and rural branch wise for the year 2014-15 has been worked out for the rural branches in Andhra Pradesh State by NABARD. NABARD requested SLBC to furnish the performance at monthly intervals within 3 days from the end of the month. Department of Financial Services (CP Section), MoF, GoI vide Lr. No. F.No. 3/7/2014-CP dated 30.10.2014 advised SLBC should monitor the progress of the scheme and ensure that the target of the State are achieved well in time. S.No Name of the District Target 2014-15 Performance as at the end of November 2014 Rural Branch - wise target @
Branches 10 JLG per branch Anantapur 171 1710 1 Chittoor 194 1940 81 Kadapa 141 1410 1 East Godavari 242 2420 122 Guntur 236 2360 99 Krishna 218 2180 133 Kurnool 149 1490 5 Nellore 150 1500 4 Prakasam 177 1770 3 Srikakulam 135 1350 34 Visakhapatnam 173 1730 24 Vizianagaram 134 1340 63 West Godavari 181 1810 35 Total 2301 23010 605 (The figures are indicative as the data has not been received from all member banks) Bank wise target for JLG promotion for 2014-15 placed as Annexure. No.22 Guidelines issued by RBI on financing to JLGs is placed as Annexure. No.23 Overdues/NPAs under Agriculture Sector as on 30.09.2014 A/cs In lakhs & Amt. Rs In crores Sector Outstanding Overdue Non – Performing Assets No. of a/cs Amount No. of overdue accounts Total balance in overdue accounts Actual overdue amount No. of accounts Amount Short Term Crop Production Advances 98.25 72407 43.29 29312 29312 13.65 3536 Agril. Term Loans Including Agril. Allied Activities Advances 18.36 22053 5.95 5991 3146 2.53 2094 Agril. And 0.60 5095 0.20 709 344 0.05 181 Total Agriculture Advances 117.21 99555 49.44 36012 32802 16.23 5811 (The figures are indicative as the data has not been received from all member banks) Short Term Agriculture Crop Production Loans:
interest subsidy to eligible students. RBI advised that as per the central government as well as IBA guidelines, the CSIS is applicable to all eligible students who pursue technical and professional education studies in India beginning from the academic year 2009-10. SLBC circulated these guidelines to controlling authorities of all banks vide Lr.No.666/30/330/427 dated 20.09.2014 for strict compliance. Padho Pardesh – Scheme for interest subsidy on Education loans for Overseas Studies for the Minority communities : Padho Pardesh – scheme for interest subsidy on Education loans for Overseas Studies i.e., Masters, M.Phil & Ph. D for the studies belonging to the Minority communities Viz. Muslims, Christians, Sikhs, Buddhists, Jains and Parsis (effective from 2013-14) Government of India, Ministry of Minority Affairs has formulated a scheme for interest subsidy on education loans for overseas studies to promote educational advancement of students from minority communities’ for adoption by all banks. In order to support students from economically weaker sections of notified minority communities of the society, the scheme is introduced by Government of India. Overdue/NPAs under Education Loans as on 30.09.2014 (Rs. In crores) Sector Outstanding Overdue Non – Performing Assets No. of a/cs Amount No. of overdue accounts Total balance in overdue accounts Actual overdue amount No. of accounts Amount Education loans 137664 2960 23930 611 221 9953 203 (The figures are indicative as the data has not been received from all member banks) The percentage of total balance in overdue accounts & NPA to outstandings is 20.64% & 6.86% respectively. AGENDA- 9 EXPORT CREDIT SLBC has taken up with export & industry Associations and Banks for furnishing issues to be discussed in export subcommittee meetings. SLBC has not received any issues in this regard.
DFS, Ministry of Finance vide Lr.No.F.No.3/32/2012-AC, dated 26.11.2013 advised SLBC conveners to review the sanction of loans by Banks to trained candidates under the scheme and advised to clear the eligible loan applications on priority. Hence, banks are required to facilitate disbursement of credit and subsidy to the trained candidates for establishing agri-ventures. Similar review may be undertaken by LDMs at DCC/DLRCs at the district level. Progress as on 26.11.2014: No. of projects sanctioned: 105 No. of projects pending : 455 Bank wise progress on Agri Clinics and Agri Business Centers scheme as on 26.11.2014 is placed as Annexure. No.26 All Banks are requested that necessary instruction may kindly be issued to their branches to expedite the clearance of pending loan applications under ACABC scheme and also releasing bank finance to the trained candidates on priority. 6) Dairy Entrepreneurship Development Scheme (DEDS) Department of Financial Services, Ministry of Finance, GoI vide Lr. No.F.No.3/13/2011-AC, dated 14 November, 2013 informed that the Department of Animal Husbandry, Dairying & Fisheries, Ministry of Agriculture, GoI has directed to review the progress made under Dairy Entrepreneurship Development Scheme (DEDS) may be taken up as a regular agenda item in the DCC/DLRC meetings at District level. Utilisation of Budgetary allocation of AP State: NABARD, Regional office, Hyderabad vide Lr. No.NB.T&APRO/DoR/3555/DEDS-142/2014-15 dated 14.08.2014 informed that the budget allocated under General & ST component for the state for the year 2014-15 has been fully utilized. However, the budget allocation for SC component is
(Rs. in Crores) Sector Outstanding Overdue Non – Performing Assets No. of a/cs Amount No. of overdue accounts Total balance in overdue accounts Actual overdue amount No. of accounts Amount Short Term Crop Production Advances 9824748 72407 4329561 29312 29312 1365298 3536 Agrl.Term Loans Including Agrl. Allied Activities Advances 1836458 22053 594894 5991 3146 252857 2094 Agril. And Allied-Indirect 60097 5095 19993 709 344 5445 181 Total Agriculture Advances 11721303 99555 4944448 36012 32802 1623600 5811 SSI/MSE Sector Advances 646657 27834 193769 7216 3144 101346 1936 Others under Priority Sector Advances 829751 22856 152353 4673 1294 65891 892 Total Priority Sector Advances 13197711 150245 5290570 47901 37240 1790837 8639 Non-priority sector loans 3361982 57764 328211 9171 4931 155636 3817 Total Advances 16559693 208009 5618781 57072 42171 1946473 12456 Educational Loans Advances 137664 2960 23930 611 221 9953 203 Housing Loans Advances 331934 15572 76109 3494 690 35359 468 Self Help Groups Advances 794728 13919 185926 2341 1046 84056 880 (The figures are indicative as the data has not been received from all member banks) AGENDA- 20 Regional Rural Banks