PLP 2016-17

EXECUTIVE SUMMARY

1.1 Overview of the district: Krishna District with its head quarter at Machilipatnam and consisting of 50 mandals is divided into delta and upland zones. The delta zone comes under Krishna Eastern Canal Irrigation Command System consisting of 28 mandals and upland zone comes under Nagarjuna Sagar Project (NSP) Left Canal Command System consisting of 22 mandals. The net sown area is 4.69 lakh ha. (ie., 54% of total geographical area) and the area irrigated is 73% of the cropped area. The district is endowed with a rich variety of soils and occupies an important place in agriculture with paddy as the major food crop. The other major economic activities include Animal Husbandry, Poultry, Fisheries and Horticulture. Non-farm sector activities include handloom, kalamkari, rolled gold jewellery, Kondapally toys and few engineering units. Banking network in the district consists of 593 branches of Commercial Banks (including private banks), 60 branches of Saptagiri Grameena Bank (SGB), 50 branches of Krishna District Cooperative Central Bank Ltd (KDCCB) and 425 PACS. The total deposits and loans outstanding of all the banks in the district were `.22,75,318.00 lakh and `.26,16,236.00 lakh respectively as on 31.3.2015 with an overall growth rate of 6% and 3% respectively. The CD ratio and priority sector advances of all the agencies was much above the national goals.

1.2 Trends in credit flow: The ground level credit flow for priority sector lending (PSL) had increased at growth rate of 21% from `3,74,319 lakh in 2010-11 to `6,66,115 lakh in 2013-14. But during 2014-15, the credit flow declined to `5,77,200 lakh which was just 73% of the ACP target i.e., `795250.11 lakh. The target for the year 2015-16 is `9,39,365.37 lakh which is 98% of the credit projections made in PLP 2015-16.

1.3 Credit potential for 2016-17:The credit projections made in the base PLP for 2016-17 have been revised in tune with the changes in the PSL guidelines, Govt priorities and with main focus on “accelerating the capital formation in agriculture and allied sector”. The total credit potential for 2016-17 under priority sector for Krishna district is estimated at `1176,446.73 lakh, registering a growth of 22% over the PLP projection and 25% over the ACP target for the year 2015-16. About 54% of the credit potential is estimated for agriculture and allied activities (`639,385.84 lakh), 4% for agriculture infrastructure and ancillary activities in agriculture, 21% for MSME and 20% for other activities like export, education, housing, renewable energy, social infrastructure and others including SHGs.

1.4 Major sectors having substantial potential

(a) Farm Mechanisation:Due to high cost of labour, there is a great demand for variety of farm implements and spraying equipment’s. State Government is extending subsidy to high cost agricultural implements / machinery at 50% of the cost under RKVY. Hence credit potential has been increased to `24,676.99 lakh for 2016-17.

(b) Animal Husbandry: The district has good potential under dairy sector, but its potential has been under exploited in view of the unscientific production technology being adopted by the farmers. The answer lies in putting in place an effective extension network and integration of back end logistics. The State Govt is implementing Gopala Mitra Scheme. NABARD has promoted the concept of Pasurakshak, SHG health extension workers, Azolla as alternative feed etc. GOI has introduced DEDS and National Livestock Mission for promoting investments under animal husbandry. Keeping in view the above factors, the potential for the dairy and sheep & goat activities has been increased to `27024.87 lakh and `5904.45 lakh, respectively for 2016-17.

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PLP 2016-17 Krishna district

(c) Poultry is well developed as an industry in Krishna district. Further investment in respect of modernisation, technology up gradation, hygienic market outlets, backyard poultry, rearing of other poultry species may be encouraged in the district. Some of the entrepreneurs have started Emu farming, however viability remains risky in the absence of assured market linkages. Farmers and bankers have to be cautious while financing for the activity. Keeping this in view, the projections made has been reduced from `30,084.68 lakh to `28,451.20 lakh for 2016-17.

(d)Fisheries Krishna district occupies first place in the state with the total fish production at 6,31,066 MT (2014-15). LVannamei prawn culture is being taken up on a large scale in the district However, proper sensitization and registration of farms is required. Quality fish seed hatcheries are required to be established for promoting this culture on a sustainable basis. Buyers and sellers need to be connected in an organised market for an inclusive growth of the sector. State Govt has identified fisheries sector as one of the growth engines and announced a separate budget for fisheries promotion. Keeping in view the above factors, the revised exploitable potential for the sector has been estimated at `39,319.75 lakh for the year 2016-17. (d)Food and Agro processing: The district has ample scope for agro and fruit processing for which the required backward and forward linkages like raw material, technology, connectivity etc., are available. The State Govt is establishing a Mega Food Park at Thotapalli village, mandal for which in-principal approval has been given by the GoI. Taking this into account, the projection for 2016-17 has been increased to `20,050.10 lakh.

I.5 Area Development Schemes / Banking plans in Krishna district a) Floriculture (Jasmine): The banking plan was launched on 24.1.2015 to promote establishment of new jasmine gardens, benefiting 1266 farmers with a bank loan of `560.39 lakh. b) Mini Dairy: The banking plan was launched on 20.3.2015 to support 850 new mini dairy units with an objective to add 1 lakh liters per day additional milk production with a bank loan of `4607.00 lakh. c) Traditional Fishing Communities: The banking plan was launched on 22.8.2014 to finance 1030 units of traditional boats and nets benefiting 13,775 fishermen with a bank loan of `1715.05 lakh. d) Banana(Tissue culture and precision farming): A banking plan is proposed to be launched during 2015-16 to promote establishment of new banana (tissue culture) gardens with precision farming benefiting 800 farmers with a bank loan of `884.00 lakh.

I.6 Conclusion

The Govt of has constituted the “Primary Sector Mission” with the objective to transform agriculture and allied sectors by increasing productivity and mitigating the impact of risks in farming. Hon’ble Chief Minister of AP has set a target of reaching Double Digit Gross District Domestic Product (GDDP) growth within a couple of years commencing from 2015-16. For this purpose, growth engines have been identified to boost up District economy for increasing the Gross Value Addition (GVA) from `3721.47 cr during 2014-15 to `4564.58 cr during the year 2015-16. The credit potentials for farm credit projected in the PLP have been aligned to achieve the Double Digit growth in farm sector. NABARD is actively implementing number of promotional programmes for increasing the credit absorption capacity and financial inclusion like Farmers Clubs, MEDPs, PODF, UPNRM, etc. There is, thus, a need for a coordinated approach from all the developmental agencies, banks and PRIs with good reporting system for priority sector lending for ensuring the smooth implementation of Financial Inclusion and Annual Credit Plans.

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PLP 2016-17 Krishna district

Broad sector-wise PLP Projections for 2016-17

PLP Projections S.No. Sector/Activity (` lakh) A Farm Credit (i) Crop Production, Maintenance and Marketing 4,78,518.05 (ii) Term Loan for Agriculture and Allied Activities 1,60,867.79 Sub Total 6,39,385.84 B Agriculture Infrastructure 29,016.79 C Ancillary activities 21,806.60 I Credit Potential for Agriculture (A+B+C) 6,90,209.23 II Micro, Small and Medium Enterprises 2,49,169.00 III Export Credit 74,375.00 IV Education 37,500.00 V Housing 66,997.00 VI Renewable Energy 8,895.00 VII Others 47,677.50 VIII Social Infrastructure involving bank credit 1,624.00 Total priority Sector (I to VIII) 11,76,446.73

Renewable Engy Others Social Infra Housing 1% 4% 0% Education 6% 3% Export 6% Crop loan 41%

MSME 21%

TL-agri 14%

Agri Others 2% Agri Infra 2%

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PLP 2016-17 Krishna district

Summary of Sector / Sub-sector wise PLP projections -2016-17

PLP Projections S.No. Sector/Activity (` lakh) I Credit Potential for Agriculture (A+B+C) A Farm Credit (i) Crop Production, Maintenance and Marketing 4,78,518.05 (ii) Water Resources 10,527.87 (iii) Farm Mechanization 24,676.99 (iv) Plantation and Horticulture 15,086.16 (v) Forestry and Wasteland 3,230.00 (vi) Animal Husbandry – Dairy 27,024.87 (vii) Animal Husbandry – Poultry 28,451.20 (viii) Animal Husbandry – Sheep, Goat, Piggery 5,904.45 (xi) Fisheries 39,319.75 (x) Others –Bullock, Bullock cart etc., 6,646.50 Sub Total 6,39,385.84 B Agriculture Infrastructure (i) Construction of storage facilities (Warehouses, Market yards, 15,226.88 Godowns, Silos, Cold Storage units / Cold storage chains) (ii) Land development, Soil conservation, Watershed development 6,235.95 (iii) Others (Tissue culture, Agri bio-technology, Seed production, Bio- 7,553.96 pesticides/fertilizers, Vermi composting) Sub Total 29,016.79 C Ancillary activities (i) Food and Agro processing 20,050.10 (ii) Others (Loans to cooperative societies of farmers for disposing of 1,756.50 their produce, Agri Clinics/Agri Business Centres, Loans to PACS/FSS/LAMPS, Loans to MFIs for on-lending) Sub Total 21,806.60 Total Agriculture 6,9,0209.23

II Micro, Small and Medium Enterprises (i) MSME-Working capital 67,668.50 (ii) MSME-Investment Credit 1,81,500.50 Total MSME 2,49,169.00 III Export Credit 74,375.00 IV Education 37,500.00 V Housing 66,997.00 VI Renewable Energy 8,895.00 VII Others (Loans to SHGs/JLGs, loans to distressed persons to prepay 47,677.50 non-institutional lenders,PMJDY,loans to state sponsored organizations for SC/ST) VIII Social Infrastructure involving bank credit 1,624.00

Total priority Sector (I to VIII) 11,76,446.73

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At a Glance

Total Geographic Area : 8727 sq km Coastline : 123 km Gross Cropped Area : 748,391 Ha

River : Krishna Sea Port : Machilipatnam Percentage area under agri and allied activities : 66.18%

Major Crops/ Activities Production (in Million MTs.)

Mango Meat 0.54 0.02 Tomato Sugarcane 0.25 1.44 Rice Poultry 1.39 0.038 Coconut Egg 61.35 1543.99 Mln No. nuts Mln Nos. Milk Agricultural Research Stations 0.98 Grikapadu, Machilipatanam, Vuyyuru & Ghantasala Mango Research Station Nuziveedu

PLP 2016-17 Krishna district

District Profile District - KRISHNA State - ANDHRA PRADESH Division - Coastal Andhra

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 8727 Agro-climatic Krishna Zone No. of Sub Divisions/Revenue Divisions 4 Zone No. of Blocks/Mandals 50 Climate Tropical climate with extreme hot summer No. of Villages (Inhabited) 967 Black Cotton Soil (58%),Sandy Clay Loams (22%), Red Loamy soils Soil Type No. of Panchayats 972 (19.3%) and Sandy soils(0.7%). 3. LAND UTILISATION [ha] 2014-15 4. RAINFALL & GROUND WATER Total Area Reported 872700 Normal 2012-13 2013-14 2014-15 Actual Forest Land 76186 Rainfall [in mm] 1034 1574 1340 890 Area Not Available for Cultivation 187015 Variation from Normal 540 306 -144 Permanent Pasture and Grazing Land 10669 Availability of Net annual recharge Net annual draft Balance Land under Misc Tree Crops and Fish & Prawn culture 49913 Grnd Water [Ham] 2140.14 611.41 1449.02 Cultivable Wasteland 25694 5. DISTRIBUTION OF LAND HOLDING Current Fallow 30105 Holding Area Classification of Holding Other Fallow 23475 Nos. % to Total ha. % to Net Sown Area 469643 <= 1 ha 396416 72 171090 31 Total or Gross Cropped Area 721212 >1 to <=2 ha 97699 18 134792 24 Area Cultivated More than Once 251569 >2 ha 57452 10 244748 44 Cropping Inensity [GCA/NSA] 154 Total 551567 100 550630 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 140 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 126 Population 4517 2267 2250 2674 1844 Agricultural Labourers 1006 Scheduled Caste 871 437 434 740 131 Workers engaged in Household Industries 48 Scheduled Tribe 132 67 65 110 22 Workers engaged in Allied Agro-activities 320 Literate 3010 1599 1411 1782 1228 Other workers 523 BPL 1465 732 733 1025 440 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 1243 Having brick/stone/concrete houses 514 Having electricity supply 798 Rural Households 735 Having source of drinking water 795 Having independent toilets 606 BPL Households 421 Having access to banking services 758 Having radio/TV sets 468 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 967 Anganwadis 3405 Dispensaries Villages having Agriculture Power Supply 967 Primary Health Centres 69 Hospitals 22 Villages having Post Offices 737 Primary Health Sub-Centres 604 Hospital Beds 1668 Villages having Banking Facilities 651 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 952 Fertiliser/Seed/Pesticide Outlets [Nos] 2174 Agriculture Pumpsets[Nos] 48159 Villages having Primary Health Centres 370 Total N/P/K Consumption [MT] 189691 Pumpsets Energised [Nos] 27932 Villages having Potable Water Supply 945 Certified Seeds Supplied [MT] 192689 Agro Service Centres [Nos] 1 Villages connected with Paved Approach Roads 773 Pesticides Consumed [MT] 1456182 Soil Testing Centres [Nos] 6 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 10850 Plantation nurseries [Nos] 18 Total Area Available for Irrigation (NIA + Fallow) 399773 Power Tillers [Nos] 1050 Farmers' Clubs [Nos] 380 Irrigation Potential Created 372576 Threshers/Cutters [Nos] 62 Krishi Vigyan Kendras[Nos] 2 Net Irrigated Area(Total area irrigated at least once) 344000 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 251000 Rural/Urban Mandi/Haat [Nos] 92 Wholesale Market [Nos] 34 Area irrigated by Wells 30000 Length of Pucca Road [Km] 2791 Godown [Nos] 199 Area irrigated by Tanks 38000 Length of Railway Line [Km] 186 Godown Capacity[MT] 364042 Area irrigated by Other Sources 25000 Public Transport Vehicle [Nos] 1904 Cold Storage [Nos] 21 Irrigation Potential Utilized (Gross Irrigated Area) 546000 Goods Transport Vehicle [Nos] 39525 Cold Store Capacity[MT] 97750 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2013-14 2014-15 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 952 7036 Area (ha) Prod. (MT) Area (ha) Prod. (MT) [kg/ha] Sugarcane (Gur/Khandsari/Sugar) 2 188260 Paddy 357372 1705704 288042 1494236 5391 Fruit (Pulp/Juice/Fruit drink) 829 258234 Maize 33171 219575 25622 140713 5151 Spices (Masala Powders/Pastes) -- -- Blackgram 105900 97013 125694 140570 832 Dry-fruit (Cashew/Almond/Raisins) -- -- Groundnut/ 5858 12807 6665 13996 2186 Cotton (Ginnining/Spinning/Weaving) 3 2 Cotton 59304 111996 55571 118555 2133 Milk (Chilling/Cooling/Processing) 6 140000 Sugarcane 16123 1488112 16719 1494253 89375 Meat (Chicken/Mutton/Pork/Dry fish) 12 25000 Chillies 10764 37659 10753 32259 3450 Animal feed (Cattle/Poultry/Fishmeal) 7 140 Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in ) 17. ANIMAL POPULATION AS PER CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES (Provisional) Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 108 Animal Markets [Nos] 5 Cattle - Cross bred 12 5 7 Disease Diagnostic Centres [Nos] 1 Milk Collection Centres 950 Cattle - Indigenous 70 29 41 Artificial Insemination Centers [Nos] 596 Fishermen Societies [Nos] 208 Buffaloes 701 212 489 Animal Breeding Farms [Nos] 212 Fish seed farms [Nos] 4 Sheep - Cross bred Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] 8 Sheep - Indigenous 516 206 310 Dairy Cooperative Societies [Nos] 830 Poultry hatcheries [Nos] 5 Goat 153 61 92 Improved Fodder Farms [Nos] 4 Slaughter houses [Nos] 12 Pig - Cross bred 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY (2014-15) Pig - Indigenous 10 6 5 Fish Production [MT] 690565 Per cap avail. [gm/day] 34 Horse/Donkey etc ------Egg Production [Lakh Nos] 19644 Per cap avail. [nos/p.a.] 305 Poultry - Cross bred 8126 3250 4876 Milk Production ['000 MT] 1062 Per cap avail. [gm/day] 218 Poultry - Indigenous 3652 1460 2192 Meat Production [MT] Per cap avail. [gm/day] 62708 13

Sources (if not Hand Book of Statistics-2011-12 supplied by the Chief Planning Officer, Krishna district. Item Nos. 1, 6, 7, 9 & 10 - Census 2001; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of mentioned against the Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DA respective item):

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PLP 2016-17 Krishna district

Banking Profile District - KRISHNA State - ANDHRA PRADESH Lead Bank - INDIAN BANK

1. NETWORK & OUTREACH (As on 31/03/2015) No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households Sch. Commercial Banks 25 504 153 139 212 3 47241 433 8 2008 RRBs 1 60 34 21 5 -- 4874 35 20 16866 DCCBs 1 50 27 14 9 -- 4749 4 20 20240 PACS 425 425 425 ------2 2381 Others 21 89 9 23 57 -- -- 12 18 11371 All Agencies 473 1128 648 197 283 3 56864 484 1 897 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'000] Agency Mar 31, 13 Mar 31, 14 Mar 31, 15 Growth (%) Share(%) Mar 31, 13 Mar 31, 14 Mar 31, 14 Growth (%) Share(%) Sch. Commercial Banks 3750000 4397280 3840140 -13 83 138495606 175891200 181527002 3 80 RRBs 277908 367215 198230 -46 4 3769105 5888600 7600931 29 3 Cooperative Banks 179014 283866 278890 -2 6 7205344 8516000 10489067 23 5 Others 481236 546312 326430 -40 7 20811240 23852500 27914800 17 12 All Agencies 4688158 5594673 4643690 -17 100 170281295 214148300 227531800 6 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] Agency Mar 31, 13 Mar 31, 14 Mar 31, 15 Growth (%) Share(%) Mar 31, 13 Mar 31, 14 Mar 31, 15 Growth (%) Share(%) Sch. Commercial Banks 775886 915545 1225410 34 54 160003470 191474700 206510645 8 79 RRBs 113856 134350 163200 21 7 5320082 8081600 8164969 1 3 Cooperative Banks 397950 477540 538009 13 24 9415445 13919700 13450226 -3 5 Others 227592 273110 331187 21 15 27971086 41708100 33497760 -20 13 All Agencies 1515284 1800545 2257806 25 100 202710083 255184100 261623600 3 100 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During 2014-15 Cumulative Agency Agency Mar 31, 13 Mar 31, 14 Mar 31, 15 Deposit Credit Deposit Credit Sch. Commercial Banks 101 109 114 Commercial Banks 192007 154933 256735 224762 RRBs 144 137 107 Regional Rural Bank 9912 18753 67961 32074 Cooperative Banks 120 163 128 Cooperative Banks 13945 54422 103069 126053 Others 113 123 120 Others 16322 23231 22829 41438 All Agencies 116 114 115 All Agencies 232185 251338 450594 424327 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Agency Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans Sch. Commercial Banks 131212004 64 73478722 56 31490880 24 68485 0.03 13559616 10 RRBs 6940223 85 4858156 70 3656443 53 -- -- 1577975 19 Cooperative Banks 11701696 87 11701696 100 5865853 50 -- -- 6593116 49 Others 13734081 41 3158838 23 876317 6 -- -- 1165461 5 All Agencies 163588004 63 93197412 57 41889493 26 68485 0.40 22896168 9 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Agency Target Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] in Ach'ment [%] [Rs.'000] [Rs. '000] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] last 3 years Sch. Commercial Banks 27375659 27923172 102 36064878 36786175 102 52127371 31784924 61 83 RRBs 3074465 3074465 100 4109204 4601816 112 4932044 4224591 86 98 Cooperative Banks 9643039 10559843 110 12939168 8569491 66 8650195 9967395 115 93 Others 12530976 12604020 101 13157525 16654020 127 13815401 11743090 85 104 All Agencies 52624139 54161500 103 66270775 66611502 101 79525011 57720000 73 90 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Target Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] in Ach'ment [%] [Rs.'000] [Rs. '000] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] last 3 years Crop Loan 21781377 23817800 109 30493928 31028602 102 36592711 22038600 60 87 Term Loan (Agr) 10943767 10147100 93 11824443 11483300 97 14189400 10574700 75 87 Total Agri. Credit 32725144 33964900 104 42318371 42511902 100 50782111 32613300 64 87 Non-Farm Sector 7123731 7285600 102 9260850 9315400 101 11113000 9493800 85 95 Other Priority Sector 12775264 12911000 101 14691554 14784200 101 17629900 15612900 89 96 Total Priority Sector 52624139 54161500 103 66270775 66611502 101 79525011 57720000 73 90 9. RECOVERY POSITION 2011-12 2012-13 2013-14 Average Agency Demand [Rs. Recovery Demand [Rs. Recovery Recovery Demand Recovery Recovery Rec. [%] in Recovery [%] '000] [Rs. '000] '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] last 3 years Sch. Commercial Banks 4457453 3900975 88 6463306 5275310 82 7238903 5791122 80 82 RRBs 1500188 1294749 86 2210513 1856892 84 1929848 1737950 90 87 Cooperative Banks 5593127 4244624 76 8116066 6475316 80 4796838 4017782 84 80 Others 77363 54189 70 112176 87497 78 134611 117112 87 80 All Agencies 11628131 9494537 82 16902061 13695015 81 14100200 11663966 83 82 Sources : Lead Bank & SLBC

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