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 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 .

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 All Banks/ SLBC Members Advised all the members invariably be participated accordingly. by all decision making authorities

2. Govt of Arunachal Pradesh Concerned departments, Govt departmemts may to discourage keeping their Govt of A.P. appraise the house. funds with those banks whose performance in priority sector lending is negligible. 3. Implementation of crop Deptt of Agriculture / Deptt Concerned department may insurance scheme in A.P. of Finance , Govt of A.P. appraise and discuss on the . issue.

4. Target under ACP and NABARD / KVIC. No revised target is received. PMEGP (2011-12) to be Representatives of NABARD / revised . KVIC may appraise the house. 5. Land possession certificate Concerned deptt, GoAP./ Specimen of land possession from Gaon Bura duly SLBC Convener Bank certificate ( placed in page No

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certified by the BDO as per 16 , 17 ) submitted to simplified model of Assam concerned deptt for their to be introduced for examination & approval. House Agricultural loan. may discuss on the issue and Clearance from Panchayat approve. Raj department to be obtained in this regard.

6. All 34 identified unbanked GoAP/ RBI/ BSNL/ Banks Status report placed in page blocks of A.P. to be No . 19 , 20 covered by banks by March’2012.

7. All the 6 (six) RSETIs to be Concerned deptt , GoAP/ To be discussed. Status report set up by March’2012. Deputy Commissioners of placed in page No . 13 the districts/ Banks

8. To have clear signal from RBI/ BSNL/ Banks satellite for VSAT, South Easr direction should not have any obstruction. Setting up of VSAT will be freeof cost. 9. Reimbursement of cost of Commissioner (RD) / Not yet reimbursed. Bills training incurred by SBI- DRDA , Yupia , GoAP. submitted to the P.D. Yupia RSETI, Doimukh for and to the Commissioner, training to BPL Candidates Rural Development, GoAP, by DRDA , Yupia to SBI. . To be discussed.

10. Check List to be sent to Convener Bank on behalf Check List has been submitted sponsoring Agencies to of all Banks . to the Govt department for have the documents onward submission to all the complete in all respects. Sponsoring Agencies.

Agenda - 3

Development in Banking operation in the state :

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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 CD Ratio Rs in crores on 30.06.2011 Sl Name of No Deposits Advance As on As on Position of Last date No. district . of s 30.06.11 31.03.11 formation of meeting ba of SSC of SSC nk

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/Ka meng 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 % . 9

• 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. % of Agr. In crores) Advances 30.06.2011 Crop Loan 29.43 33.33 Term Loan 58.87 66.67 Total 88.30

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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 8970 the year 2011-12 No. of new KCC issued 656 Cumulative position of 16146 Nos. KCC issued

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

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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 Growth % over crores) during the June’’10 level quarter

Micro 11.00 38.53 Small 1.97 38.95 Medium

The Bank wise performances are placed in page No . 57

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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 No. of House House % of Bank House hold hold house holds covered covered hold upto upto June covered March’11 ’11 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

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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

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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:

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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.

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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

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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 :

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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 :

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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.

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Agenda – 14

Unbanked Blocks : Status Report :

Sl District Block Bank to Mode Status No. which allotted 1 West Kameng Thrizino 2 East Kameng Pakke Kessang 3 Chiyangtazo 4 Bameng Existing Covered by Bank – SBI Seppa SBI, Branch Seppa 5 Bana --do-- --do-- 6 Kurung Kumey Damin 7 Sarli 8 Tali 9 Pipsorang 10 Nyapin 11 Chambang 12 Anjaw Hawa- 13 Chaglogam 14 Manchal Existing Covered by Bank – SBI SBI, Br Hayuliang Br 15 Dibang Valley Anelih-Arzoo

16 Etalinmaliney

17 Changlang Khimyang

18 Nampongmanmao Existing Covered by

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Bank – SBI-Jairampur SBI, Br. Jairampur Br 19 Tirap Wakka 20 Laju

21 Pongchao

22 Upper Nacho Subansiri 23 Siyum

24 Giba

25 Taliha APRB Regular Bank Branch building/staff quarter/security yet to be provided by State Govt 26 Puchi Geku 27 Papumpare Mengio

28 Balijan Existing Representative Bank – from Allahabad Allahabad Bank to Bank, appraise Tetulbari Br 29 West Siang Monigong

30 Rumgong APRB Regular 12.08.11 Branch 31 Gensi APRB Regular Bank Branch building/staff quarter/security yet to be provided by State Govt 32 Liromoba

33 East Siang Riga APRB Regular Bank Branch building/staff quarter/security yet to be

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provided by State Govt 34 Upper Siang Mariyang APRB Regular Bank Branch building/staff quarter/security yet to be provided by State Govt

Agenda – 15 :

Opening of currency chest branches : Status Report

Sl No. District Centre Allotted to Status Report Bank 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.

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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 15 th of the following month to the respective LDMs . • Any other issue.

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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 By SLBC Convener in which will be applicable to all banks 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 Orders to be issued by functionaries for collection of application forms State Government and to for crop loans (This could include functionaries be reviewed by DCC of Rural Development Department , Co- headed by the Deputy operative Department , Panchayat Department , Commissioners on a daily Sugar cane department etc to name a few ) basis at least for two weeks. 4 Application to be submitted to each bank in DCC / Banks

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whose service area the villages fall. 5 No bank to charge any fees for crop loan which Banks to issue orders include documentation fee, advocate, processing and renewal. 6 Bank to sanction a permanent cash credit limit Banks to issue orders to be renewed each year on the verification of land holding. 7 There will be no requirement of getting ‘ no dues Banks to issue orders 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 .

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