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Agenda of 148Th SLBC Meeting

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Agenda of 148Th SLBC Meeting BANKING AT A GLANCE IN ODISHA AS ON 30th JUNE 2017 Sl Particulars Amt in Crore 1 Total Deposit 255831.54 Total Advance utilized in the state 177707.45 2 Total Advance sanctioned and utilized in the state 131979.65 3 Total Business (Deposit + Advance) 433538.99 4 Credit Deposit (CD) Ratio (%) Benchmark- 60% 69.46 Credit Deposit Ratio excluding advance sanctioned in other 51.59 state and utilized in our state 5 CD Ratio of Rural Branches 65.83 CD Ratio of Semi Urban Branches 50.46 CD Ratio of Urban Branches 44.83 Total PS Advance 81021.98 6 % of PS Advance to ANBC Benchmark - 40% 61.39 Agriculture Advance 43173.40 7 % of Agriculture Advance to ANBC 32.71 Benchmark - 18% MSME Advance 23649.50 % of MSME Advance to ANBC 8 Out of which, Micro Enterprises (Benchmark– 7.5 % of 17.91 ANBC) Advance to Weaker Section 23468.26 9 % of Advance to weaker section to PS Adv. 28.97 Benchmark – 25% 10 Education Loan B/o 2145.07 11 Housing Loan B/o 11310.96 12 Export Credit B/o 416.77 13 Total DRI Advance 370.20 Total Advance to Minority community 2718.09 14 % of Advance to Minority community of Total Priority Sector 3.35 (Norm 15 % of Priority Sector) Advance to Women 18021.35 15 % of Advance to Women(Benchmark – 5% on NBC) 13.65 16 Credit Investment to Deposit Ratio % 71.21 NPA in % (Average in the state) 11.97 Public Sector Banks 15.03 17 Private Sector Banks 0.92 RRBs 26.99 1 Cooperative Banks 6.92 Total No. of Branches 5041 a) Rural Branches 2748 18 b) Semi Urban Branches 1314 c) Urban Branches 979 Achievement under ACP 2016-17 vis-à-vis Annual Target 18.49 under priority sector in % Agriculture 20.32 MSME 19.63 Export Credit 99.17 19 Education 12.96 Housing 12.96 Social Infrastructure 0.23 Renewable Energy 0.11 Others 8.52 Lead Districts : 30 a) SBI 19 20b ) UCO 7 c) BOI 2 d) Andhra Bank 2 RSETIs : 30 a) SBI 17 b) UCO 7 21c ) BOI 2 d) CBI 2 e) Andhra Bank 1 RUDSETI : Canara Bank & Syndicate Bank 1 FLCs 140 SBI 19 UCO Bank 7 22 Andhra Bank 2 Bank of India 2 a) Cooperative Banks 97 b) RRB 13 2 AGENDA NOTES OF 148th SLBC MEETING AGENDA NO. 1 Confirmation of Proceedings of 147th SLBC Meeting held on 13.06.2017 at Bhubaneswar. The Proceedings of the 147th SLBC Meeting held on 13.06.2017 was circulated among all the members of SLBC vide our letter No. SLBC/ODI/148/2017-18 dated 07.07.2017. Since no comments have been received from any quarter, the same may please be confirmed. AGENDA NO. 2 Action Taken Report on major decisions taken in 147th SLBC Meeting held on 13.06.2017. 1. Progress of Implementation of Financial Inclusion Plan in the State. Provision of banking outlets in unbanked villages with population below 2000 As on 30.06.2017, Banks have covered 45888 villages constituting 94.61 % of the total target. Out of these villages, 657 are covered through B & M Branches and rest by branchless modes mainly through BC mode. Bank wise & District wise details are at Annexure - 1. The following banks have not covered 100% of their allotted villages. Federal Bank, Dena Bank, Odisha Gramya Bank, Andhra Bank, Utkal Grameen Bank, Axis Bank, Punjab National Bank & Syndicate Bank. They are requested to ensure 100 % achievement before 30st September, 2017. 2.Aligning roadmap for unbanked villages having population more than 5000 with revised guidelines on Branch Authorization Policy of Reserve Bank of India In term of RBI circular FIDD.CO.LBS.BC.No.82/02.001/2015-16 dated 31/12/2015, wherein SLBC identified 78 villages with population above 5000 without a bank branch and allotted among schedule commercial banks (Including RRB) for opening of brick and mortar branches. In this connection RBI issued circular vide DBR.No.BAPD.BC.69/22.01.001/2016-17 dated 18 May 2017 on rationalization of Branch Authorization Policy- Revision of Guidelines wherein final guidelines on „Banking Outlets” have been issued with a view to facilitate financial inclusion as also to provide flexibility to banks on the choice of delivery channel. 3 As discussed in 147th SLBC meeting,78 identified villages having population more than 5000 without a bank branch of a scheduled commercial bank have been allotted by SLBC for opening of branches by Dec 2017. It has been decided with Controlling Heads of allotted Banks, GM, FIDD, RBI and SLBC that opening of Brick & Mortar Branch need not be insisted upon where there is presence of B&M Branch within radius of 5 KM because of non viability/feasibility/profitable proposition. It is found that there are 60 locations where B&M branch existed within 5 KM. Hence remaining 18 locations are identified for opening of B&M branch. Only 6 branches are opened as on 30.06.2017. Status of banking outlets in 78 villages with population more than 5000 as on 30.06.2017 1 Brick & Mortar Branch exists within a radius of 5 KM of the proposed 60 villages having population more than 5000 2 Brick & Mortar Branch opened 6 3 Banking outlets to be opened by allocated Banks 12 TOTAL 78 Bank Service Expansion in LWE districts in the State The Union Finance Ministry is focusing on the expansion of bank branches and opening of post offices in the LWE districts. There are 19 LWE districts in the State of Odisha, out of which the red rebels are mostly active in Malkangiri, and Koraput district. There are 17 bank branches opened during the last two years. In view of the dominance of the Maoists in these districts, the Government is laying emphasis on expansion of the bank branches in these districts. Major causes of slow progress in branch opening in these districts are no/poor internet connectivity, poor and unstable electricity connection, and poor road connectivity and security threats. Government of Odisha has raised the issue with Centre in this regard. However, all the banks are requested to explore all possibilities to open brick and mortar branches in their allotted unbanked Gram Panchayats on priority basis. 3. Branch opening in Unbanked Gram Panchayats as on 30.06.2017. In the Sub-Committee meeting of Banking Expansion held on 18-08-2017, based on the response received from banks for 677 unbanked GPs, RBI in consultation with SLBC allotted 247 Unbanked GPs to different banks and the remaining GPs may be allocated for banking outlets among banks with nearby branches within 15 days. The details of allocation is at Annexure-1(a). 4 Sl Details GP Position 1 Total number of unbanked GPs till 31 March 2017 4253 GPs having Brick and Mortar commercial bank branch(PSB, 2 2000 Pvt banks, RRB) with in 5 KM GP having Brick and mortar Rural Co-Operative bank branch 3 68 or UCB within 5KM 4 GPs not having bank branch within a radius of 5KM 2185 5 GPS not having bank branch but having BC 711 6 GPs having neither bank branch nor BC within 5KM 1474 Out of Sl no 6 GPs where BCs of SBI exists/BCA to be 7 797 appointed 8 Balance (6-7) 677 Proposal to open in next three years i.e. 2017-18, 2018-19 & 2019-20 9 Out of which Brick & Mortar branches to be opened & 340 Fixed Location BC/Ultra Small Branch 337 Status of Unbanked 797 GPs allotted to SBI CSPs identified Established and Gap (out of list of 1474 Working as on unbanked GPs) August 10, 2017 SBI CSPs Exists 363 363 Nil BCA identified @ will set up 110 4 106 with VSAT GPs where BCAs have been 324 58 266 identified and codes allotted Total 797 425 372 SBI informed us that out of 372 unbanked villages, 260 will have BC by September 2017 and 112 will have BC by March 2018. As per the new Rationalization of Branch Authorization policy of RBI vide notification No DBR. No BAPD.BC .69/22.01.001/2016-17 dated 18-05-2017 the revised guidelines for authorization of banking outlet is provided at Annexure- 1(b). Solar/Electric Powered- V-SAT projects: NABARD has sanctioned more than Rs.47.60 crore for installation of solar based V-SATs in the difficult areas where kiosks/ CSPs are set up by various Commercial Banks in Odisha. This is one of the most critical intervention under financial inclusion, especially in the areas where connectivity issues are the hindrances. The details of sanctioned projects is under: 5 Name of the Bank No of VSATs No. of districts Sanctioned amt. covered (Rs. in lakh) Canara Bank 3 3 9.00 State Bank of India 373 25 843.60 UCO Bank 90 18 360.00 Union Bank of India 4 2 16.00 United Bank of India 333 8 1332.00 Punjab National Bank 2 1 2.16 Syndicate Bank 5 4 20.00 Central Bank of India 68 19 272.00 Bank of Baroda 3 2 12.00 Indian Overseas Bank 12 5 36.00 Andhra Bank 51 13 118.00 Utkal Grameen Bank 435 17 1740.00 Total 1379 4760.76 Concerned Banks may give their status on installation of V-SAT projects sanctioned by NABARD to them and submit claim to NABARD for reimbursement. 4. Implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY) as on 30.06.2017. Total No.
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