202nd SLBC Meeting Agenda – Index 01. Adoption of Minutes S. No Particulars Page No. 1.1 Adoption of the minutes of 201st SLBC meeting of AP held on 26.12.2017 and other meetings of SLBC held after 26.12.2017 8 02. Major Action Points of earlier SLBC / Steering Committee Meetings – ATR S. No Particulars Page No. 2.1 Sanction & disbursement of five Term loan accounts (excluding Gold loans and Crop loans) under Priority sector per branch per month 9 2.2 Power Consumption by BCs- request for charging of domestic tariff 9 2.3 Extending relief measures to Emu farmers 9 2.4 MSME – Rationalization of Mortgage Registration Charges 9 2.5 NTR Housing Programme – communication of Operational guidelines and action plan 10 2.6 Designate an exclusive nodal officer for better coordination between SLBC and State Government departments 10 2.7 Constitution of four Sub-Committees 11 3.0 Lead Bank Scheme S. No Particulars Page No. 3.1 Conduct of meetings under Lead Bank Scheme 12 3.2 Functioning of DCC/DLRC 12 3.3 Timely submission of data to SLBC by Banks and LDMs 13 4.0 Banking Statistics S. No Particulars Page No. 4.1 Banking at a Glance in Andhra Pradesh as on 31.12.2017 14 4.2 Banking Key Indicators of Andhra Pradesh 15 4.3 Comparative Statement of Banking Key Indicators 15 4.4 Statement of Priority Sector Advances (out standings) 16 05. Achievement of Annual Credit Plan 2017-18 S. No Particulars Page No. 5.1 Achievement of Annual Credit Plan as on 31.12.2017 18 5.2 Share of Banks in Achievement of ACP 2017-18 19 5.3 Annual Credit Plan Achievement 21 5.4 Comparative Statement of Credit Disbursements (Y-o-Y) 21
2.7 Constitution of four on; Agriculture, Horticulture, Livestock & Aquaculture development MSME, Government Sponsored Schemes & SHGs Service sector & Industries Digital transactions Action initiated Meeting of Sub-committees was held on 14.02.2018 and minutes of the meeting was circulated to all member banks.
AGENDA- 5 Annual Credit Plan 2017-18 Achievement of Annual Credit Plan as on 31.12.2017 (Rs. in crores) Sl. No Item Target 2017-18 Achievement (Disbursements during 01.04.17 to 31.12.17) % of Achievement 1 Short Term Crop Production Loans Khariff Rabi Total 38,736 24,370 63,106 38,894 14,053 52,947 100.41% 57.67% 83.90% 2 Agrl.Term Loans Khariff Rabi Total 10,052 10,051 20,103 7,574 4,724 12,298 75.35% 47.00% 61.17% 3 Total Farm Credit Khariff Rabi Total 48,788 34,421 83,209 46,468 18,777 65,245 95.24% 54.55% 78.41% 4 Agriculture Infrastructure & Ancillary Activities Khariff Rabi Total 2,131 2,131 4,262 2,587 701 3,288 121.40% 32.89% 77.15% 5 Khariff Rabi Total Agriculture 50,919 36,552 87,471 49,055 19,478 68,533 96.34% 53.29% 78.35% 6 Micro, Small & Medium Enterprises 25,000 18,049 72.19% 7 Export Credit 180 101 56.11% 8 Education 2,155 524 24.32% 9 Housing 8,500 3,637 42.79% 10 Others under Priority Sector including Social Infrastructure & Renewable Energy 3,500 1,369 39.11%
Loans 2 Total Agriculture Term Loans including Allied activities 12,014 15,586 29.73 3 Total Agriculture 53,862 68,533 27.24 4 Non Farm Sector / MSME 14,778 18,049 22.13 5 Other Priority Sector including Export Credit 4,024 5,631 39.94 6 Total Priority Sector 72,664 92,213 26.90 7 Non Priority Sector 28,015 61,917 121.01 8 Total Credit Plan 1,00,679 1,54,130 53.09 AGENDA- 6 Agriculture Sector Progress in lending to Agriculture Sector (Rs. in crores) Sl. No Item Target 2017-18 Achievement (Disbursements during 01.04.17 to 31.12.17) % of Achievement 1 Short Term Crop Production Loans Khariff Rabi Total 38,736 24,370 63,106 38,894 14,053 52,947 100.41% 57.67% 83.90% 2 Agrl.Term Loans Khariff Rabi Total 10,052 10,051 20,103 7,574 4,724 12,298 75.35% 47.00% 61.17% 3 Total Farm Credit Khariff Rabi Total 48,788 34,421 83,209 46,468 18,777 65,245 95.24% 54.55% 78.41% 4 Agriculture Infrastructure & Ancillary Activities Khariff Rabi Total 2,131 2,131 4,262 2,587 701 3,288 121.40% 32.89% 77.15% 5 Khariff Rabi Total Agriculture 50,919 36,552 87,471 49,055 19,478 68,533 96.34% 53.29% 78.35%
AGENDA- 7 Micro, Small & Medium Enterprises (MSME) Sector Position of lending under MSME sector (Amt. In Crores) Particulars Outstanding as on 31.03.2016 Outstanding as on 31.03.2017 Outstanding as on 31.12.2016 Outstanding as on 31.12.2017 A/cs. Amt. A/cs. Amt. A/cs. Amt. A/cs. Amt. Micro Enterprises 871952 18701 1017769 21197 961737 19694 936359 20965 Small Enterprises 121982 17517 139703 17774 126474 16768 139735 16896 Total MSE 993934 36218 1157472 38971 1088211 36462 1076094 37861 %of Micro enterprises to total MSE 87.73% 51.63% 87.93% 54.39% 88.38% 54.01% 87.01% 55.37% Medium Enterprises 90181 4765 112754 5012 93300 4480 78002 5402 Total MSME 1084115 40983 1270226 43983 1181511 40942 1154096 43263 Disbursements under ACP 2017-18 for MSME sector: (Amt. in crores) Sector Target 2017-18 Achievement (Disbursements during 01.04.17 to 31.12.17) % of Achievement Micro 11122 9010 81.01 Small 11145 7515 67.43
Medium 2733 1524 55.76 Total 25000 18049 72.19 PM Task Force –Recommendations Norm % Actual % Banks are advised to achieve a 20 per cent year-on-year growth in credit to micro and small enterprises (December, 2016 to December, 2017) 20 3.84 10 per cent annual growth in the number of micro enterprise accounts (December, 2016 to December, 2017) 10 --- 60 per cent of total lending to MSE sector as on corresponding quarter of the previous year to Micro enterprises. 60 57.50 Controlling authorities of all banks are requested to initiate necessary steps to ensure improvement in credit flow to micro and small enterprises to achieve stipulated requirement of PM’s Task Force recommendations. Outstanding Position of Lending under MSME (Amount in crores) Stand up India Scheme: Performance under Stand Up India as on 02.02.2018 Type of Bank SC/ST Women Total Targets No. of Accounts Sanctioned % of Achvt. Targets No. of Accounts Sanctioned % of Achivt. Targets No. of Accounts Sanctioned % of Achivt. Public Sector Banks 4523 540 11.94 4523 2169 47.95 9046 2709 29.95 Private Sector Banks 840 2.02 840 97 11.55 1680 114 6.79 RRBs 1122 30 2.67 1122 72 6.42 2244 102 4.55 Total 6485 587 9.05 6485 2338 36.05 12970 2925 22.55 (Source: ) Bank wise performance is placed as Annexure No.26 7.3. Pradhan Mantri MUDRA Yojana (PMMY): Progress made under Pradhan Mantri MUDRA Yojana for the financial year 2017-18 as on 02.02.2018 in the state of Andhra Pradesh. (Rs. in crores) Type of Bank Total Target Shishu Kishore Tarun Total Achievement Public Sector Banks including RRBs 7151.62 752.51 3452.42 973.46 5178.39 Pvt. Sector Banks 61.74 168.11 111.10 340.95 Sub Total 814.25 3620.53 1084.56 5519.34 (Source: www.mudra.org.in)
SPV submits Detailed Project Report (DPR) to bank for evaluation along with all required documents, and also primary and collateral security as may be requested by the bank. The bank may mortgage all assets of the SPV including the land parcel on which food park is established, as primary security. Although this practice of mortgaging of complete land parcel (including leasable area) does not hamper functioning of the Food Park, it may act as a deterrent to units coming up in the food park. It may be noted that units coming up in the Food Park may avail assistance under ‘Scheme for Setting up New Food Processing Unit’ of Andhra Pradesh Food Processing Policy 2015-2020. It is also mandatory for the units to obtain term loan sanction from bank along with appraisal report, while applying for grant. Under the ‘Scheme for Setting up New Food Processing Unit’, units may avail investment subsidy of 25% of the cost of Plant & Machinery and technical civil works, subject to a maximum of Rs.5.00 crores along with interest subvention at 7 per cent will be paid to the Bank/FI directly against the term loan sanctioned by it, subject to a maximum of Rs.2 crore per project or actual interest accured on term loan, whichever is less, for a period of 5 years from the date of commercial production. In this context, bank may be hesitant to provide term loan to the unit coming up in a food park, considering the fact that the unit is being established on an encumbered property. In view of the above, Andhra Pradesh Food Processing Society requested the banks including NABARD, not to insist on mortgaging the leasable plot area while sanctioning term loan to SPVs of Mega and Integrated Food Parks.
AGENDA- 15 Financial Inclusion 15.1. Aligning Roadmap for unbanked villages having population more than 5000 with revised guidelines on Branch Authorization Policy: Progress as on 31.12.2017: No. of villages to be covered with banking outlets as per road map 567 No. of villages provided with banking outlets of which 133 Brick & Mortar Branches Ultra Small Branches BC outlets 44 21 68 As per RBI directions all banks are requested to ensure that unbanked rural centres in villages with population above 5000 if any, are banked forthwith "by opening of CBS enabled banking outlet". 15.2. Availability of ATMs in the State of Andhra Pradesh: Quarter ended No. of ATMs 31.03.2015 7143 31.03.2016 8210 31.03.2017 8908 31.12.2017 8969 National Mission on Financial Inclusion Plan – Pradhan Mantri Jan Dhan Yojana (PMJDY): 15.3.1. Progress on Number of Accounts opened under PMJDY as on 24.01.2018 Type of Bank No. of Accounts Total No. of Accounts Total Amount in Crores Zero Balance Accounts RuPay Cards Issued Aadhaar Seeded Rural Urban PSBs 3103767 3736787 6840554 1158.07 1018691 5978456 6252814 Private sector Banks 79363 188485 267848 37.57 100225 254541 224685 RRBs 1232776 606876 1839652 278.27 94636 1324138 1795626 Total 4415906 4532148 8948054 1473.91 1213552 7557135 8273125 % to Total Accounts 13.56 84.46 92.46 15.3.2. Progress report - Number of Enrollments under Social Security Schemes as on 06.03.2018
AGENDA- 16 Overdue/NPA position 16.1 Overdue / NPA position as on 31.12.2017 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 9450714 81327 2529764 22567 22567 340781 2550
Agrl.Term Loans Including Agrl. Allied Activities 1860021 35214 352930 5137 2384 145551 1679 Total Farm Credit 11310735 116541 2882694 27704 24951 486332 4229 Agriculture Infrastructure 5480 494 221 77 14 98 16 Ancillary Activities 6273 4898 769 388 261 260 180 Total Agriculture Advances 11322488 121933 2883684 28169 25226 486690 4425 MSME Sector Advances 1154096 43263 294351 11340 5455 134983 3341 Export Credit 122 222 44 20 6 29 1 Others under Priority Sector Advances 582543 29151 139634 7029 1112 43455 857 Total Priority Sector Advances 13059249 194569 3317713 46558 31799 665157 8624 Non-priority sector loans 2559835 120001 325301 10752 3862 82085 2353 Total Advances 15619084 314570 3643014 57310 35661 747242 10977 Housing Loans 284525 22763 69858 5616 541 11218 419 Education Loans 117542 3989 26009 770 209 9833 197 Self Help Groups Advances 916777 20666 121555 2396 861 40527 532 Overdue / NPA position as on 31.12.2017 under various sectors (Rs. in Crores) Sector Outstanding Amount Total balance in overdue accounts % of total balance in overdue accounts to outstanding Overdue Amount % of overdue Amount to outstanding NPA Amount % of NPA to outstanding Short Term Crop Production Advances 81327 22567 27.75% 22567 27.75% 2550 3.14% Agrl.Term Loans Including Agrl. Allied Activities 35214 5137 14.59% 2384 6.77% 1679 4.77%
18.1 Progress on filing of Equitable Mortgage Records on CERSAI as on 31.12.2017: Type of Bank Total number of Equitable Mortgages taken by the Banks from its Borrowers during the Quarter No. of records uploaded on CERSAI Portal during Quarter Of (3) No. of Subsisting Mortgages 1 2 3 4 PSBs 8248 14333 7213 Pvt. Sector Banks 2181 2104 85 RRBs 511 511 0 Coop. Banks 11 11 0 Total 10951 16959 7298 Bank wise progress in filing of Equitable Mortgage records on CERSAI is placed as Annexure No.32 AGENDA -19 19.1. Circulars issued by RBI: Date Circular No. Reference Title 07.02.2018 129 Relief for MSME Borrowers registered under Goods and Service Tax (GST) 12.02.2018 131 Resolution of Stressed Assets – Revised Framework 15.02.2018 132 DCM (RMMT) No.2945/ 11.37.01/2017-18 Acceptance of coins 01.03.2018 135 Priority Sector Lending – Targets and Classification