BANKING KEY INDICATORS OF ANDHRA PRADESH Amount in crores S. No PARTICULARS As on 31.03.2012 As on 31.03.2013 As on 31.03.2014 As on 31.12.2014 1. Number of Branches: Rural 1949 2105 2301 2403 Semi Urban 1488 1627 1785 1936 Urban 1448 1527 1655 1718 Metro 166 198 239 284 Total 5051 5457 5980 6341 2. Deposits 1,22,392 1,45,480 1,65,242 1,82,307 3. Incremental Deposits (% of increase) 18,939 (18.31%) 23,088 (18.86%) 19,762 (13.58%) 17,065 (10.33%) 4. Advances 1,40,901 1,69,710 2,01,201 2,11,381 5. Incremental advances (% of increase) 27,832 (24.62%) 28,809 (20.45%) 31,491 (18.56%) 10,180 (5.06%) 6. C.D.Ratio (RBI norm - 60%) 115.12% 116.66% 121.76% 115.95% 7 Incremental CD Ratio 146.96% 124.78% 159.35% 59.65%
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 31.12.14 1 Short Term Production loans 38,583 50,343 59,105 71,149 2 Agrl. Term Loans including allied activities 26,634 28,573 28,507 26,766 3. Total Agrl. Advances 65,217 78,916 87,612 97,915 % of Agrl. Advances to ANBC (RBI norm- 18%) 57.68% 56.01% 51.62% 48.67% 4. Non Farm Sector / Micro & Small Entps. (% to ANBC ) 14,179 (12.54%) 13,780 (9.78%) 26,302 (15.50%) 28,663 (14.25%) 5. Others’ under Priority Sector Advances (% to ANBC) 23,126 (20.45%) 25,713 (18.25%) 23,336 (13.75%) 22,785 (11.32%) Total Priority Sector Advances 1,02,522 1,18,409 1,37,250 1,49,363 % of Priority Sector Advances to ANBC (RBI norm -40%) 90.67% 84.04% 80.87% 74.24%
AGENDA- 3 Achievement of Annual Credit Plan 2014 – 15 Achievement as on 31.12.2014 (Rs. in crores) Sl. No Item Target 2014-15 Achievement (Disbursements during 01.04.14 to 31.12.2014) % of Achievement 1 Short Term Crop Production Loans Khariff Rabi Total 25,888 16,090 41,978 10,108 6,954 17,062 39.05 43.22 40.65 2 Agrl.Term Loans Khariff Rabi Total 3178 3178 6,356 1,606 1,087 2,693 50.53 34.20 42.37 3 Allied to Agriculture Khariff Rabi Total 3843 3842 7,685 2,075 613 2,688 53.99 15.96 34.98 4 Khariff Rabi Total Agriculture 32,909 23,110 56,019 13,789 8,654 22,443 41.90 37.45 40.06 5 Micro & Small Enterprises 10,850 9,573 88.23 6 Others under Priority Sector 11,025 3,458 31.37 7 Total Priority Sector 77,894 35,474 45.54 8 Non Priority Sector 13,565 20,751 152.97 9 Total Credit Plan 91,459 56,225 61.48
AGENDA- 5 Agriculture Sector Progress in lending to Agriculture Sector (Rs. in crores) Sl. No Item Target 2014-15 Achievement (Disbursements during 01.04.14 to 31.12.2014) % of Achievement 1 Short Term Crop Production Loans Khariff Rabi Total 25,888 16,090 41,978 10,108 6,954 17,062 39.05 43.22 40.65 2 Agrl. Term Loans Khariff Rabi Total 3178 3178 6,356 1,606 1,087 2,693 50.53 34.20 42.37 3 Allied to Agriculture Khariff Rabi Total 3843 3842 7,685 2,075 613 2,688 53.99 15.96 34.98 4 Khariff Rabi Total Agriculture 32,909 23,110 56,019 13,789 8,654 22,443 41.90 37.45 40.06 The performance of agriculture sector under ACP is 40.06% of the target for the year 2014-15 as against 78.42% of the achievement for the corresponding quarter for the year 2013-14. Implementation of Union Budget speech 2014-15 – Interest Subvention Scheme for Short term Crop Loans during the year 2014-15-RBI circular No. RBI/2014-15/417 FIDD.No.FSD.BC.48/05.04.02/2014-15, Dated January 21, 2015 Reserve Bank of India has issued a circular in pursuance of the budget announcement made by the Finance Minister relating to the Interest Subvention Scheme 2014-15, Interest subvention of 2% p.a. will be made available to Public Sector Banks (PSBs) and Private Sector Scheduled Commercial Banks (in respect of loans given by their rural and semi-urban branches) on their own funds used for short-term crop loans up to Rs.3,00,000/- per farmer provided the lending institutions make available short term credit at the ground level at 7% per annum to farmers. Besides, additional interest subvention @3% will be available to the prompt paying farmers from the date of disbursement of the crop loan up to the actual date of repayment by farmers or up to
Rejected loans for recording the reasons: RBI Hyderabad vide Lr.No.RPCD (H)/MSME/823/06.02.001/2014-15 dated January 06, 2015 informed that some of the banks in Andhra Pradesh are not adhering to the instructions contained in RBI circular RPCD.SME&NFS.BC.No.69/06.12.05/2009-10 dated April 12, 2010 while sanctioning of education loans and specifically collateral free education loans. It has also been reported that banks are not maintaining properly registers/electronic records at the branches to record the date of receipt, sanction/rejection/disbursement with reasons thereof etc. of applications as instructed vide RBI circular RPCD.CO.BC 10/04.09.01/2014-15 dated July 01, 2014. RBI advised that all banks to strictly adhere to the guidelines issued by them in this regard. SLBC circulated these guidelines to controlling authorities of all banks vide Lr.No.666/30/330/728 dated 08.01.2015 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 31.12.2014 (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 137301 2963 26960 619 231 11009 215 (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 20.89% & 7.26% respectively. AGENDA- 9 9.1 EXPORT CREDIT
Targets & Achievement -SEP (Individual) and SEP (Groups) for 2014-15 as on 31.12.2014 (Amount in Lakhs) S. No. Program Target Achievement Sanctions Grounding Physical Financial Physical Financial Physical Financial 1 SEP (Individual) Programme under NULM 9912 9912 2155 2155 381 381 2 SEP (Groups)Programme under NULM 116 580 26 130 1 5 MEPMA vide Lr. Roc. No.270/NULM/2014 dated 31.01.2015 requested the banks to share the basic data such as Loan account No. amount disbursed, date of disbursement and repayment particulars etc., for individual beneficiaries/Groups month wise to the service provider (TCS), for calculation and release of interest subsidy amount at the earliest. Hence, it is requested that banks to submit the information to the service provider for calculation and release of interest subsidy amount after creating product code as agreed in the meeting i.e NULM-SEP-I for individuals & NULM-SEP-G for group loans. 14.4. RAJIV RINN YOJANA Rajiv Rinn Yojana (Revised Interest Subsidy Scheme) for housing to Weaker Sections launched by the Ministry of Housing & Urban Poverty Alleviation, GoI Interest Subsidy Scheme for Housing the Urban Poor’ (ISHUP) was being implemented by Govt. of India as a supportive measure for expanding credit flow to housing for the Economically Weaker Sections (EWS) and Low Income Groups (LIG) up to Sept. 2013. The Ministry of Housing and Urban Poverty Alleviation (MH&UPA), GoI has designed a Revised Interest Subsidy Scheme - renamed as Rajiv Rinn Yojana (or Rajiv Loan Scheme), as an additional instrument for addressing the housing needs of the EWS/LIG segments in urban areas. The Scheme envisages the provision of a fixed interest subsidy of 5% on interest charged on the admissible loan amount to EWS and LIG segments to enable them to buy or construct a new house or for carrying out addition to the existing building. MH & UPA has already launched the captioned scheme formally and issued guidelines of the scheme to all banks. All member banks are requested to send a confirmation having communicated
19.1 Overdue/NPA position as on 31.12.2014 under various sectors (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 9647091 71149 4373127 29701 29701 1337770 3354 Agrl.Term Loans Including Agrl. Allied Activities Advances 1829028 21289 613729 6224 3349 257630 2183 Agril. And 63844 5477 12834 568 275 6805 243 Total Agriculture Advances 11539963 97915 4999690 36493 33325 1602205 5780 SSI/MSE Sector Advances 692132 28663 203536 7299 3398 89224 1923 Others under Priority Sector Advances 827808 22785 151029 4649 1319 74138 949 Total Priority Sector Advances 13059903 149363 5354255 48441 38042 1765567 8652 Non-priority sector loans 3493657 62018 373256 10450 5808 170259 4000 Total Advances 16553560 211381 5727511 58891 43850 1935826 12652 Education Loans Advances 137301 2963 26960 619 231 11009 215 Housing Loans Advances 338805 15882 74530 3413 679 35551 490 Self Help Groups Advances 789371 13844 177195 2174 1112 96660 888 (The figures are indicative as the data has not been received from all member banks) AGENDA- 20