WELCOME SLBC of Andhra Pradesh - - PowerPoint PPT Presentation

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An Andh dhra ra Pra rades desh

WELCOME

SLBC of Andhra Pradesh Andhra Bank

Performance Highlights

 State’s CD Ratio at 116.76% is one of the highest in the

Country

 The outstanding under Agriculture Credit crossed Rs.

80,000 Cr. which is one of the highest in the Country

 Banks have given 89.96 lac Kisan Credit cards  During the current year Banks have extended finance to

7.00 lac new farmers, 89,000 tenant farmers through 10,700 JLGs.

 The growth in Agricultural Advances during the current

year upto December is 16.89%

SLBC of Andhra Pradesh Andhra Bank

Performance Highlights

 The State is Leading in the Country under SHG- Bank Linkage

Programme

 The outstanding credit to SHGs stood at Rs.12,948 crores

extended to 14,02,421 SHGs as at the end of January, 2011 compared to Rs.11764 Cr to 11,67,000 SHGs as on 31.03.2010

 All the districts in the State are having RSETIs  During the year upto now SLBC has conducted 33 Meetings,

including 16 Steering Committee meetings, three SLBC meetings, two Export Sub Committee meetings, two SLIIC Sub Committee meetings, etc.

 Excellent

coordination is prevailing among the Banks, Government and other Agencies

SLBC of Andhra Pradesh Andhra Bank

Banking Key Indicators

Segment March,09

• Dec. 09

March,10 Dec.10

Total Bank Branches

6,999 7,493 7,676 7919

Rural

2,733 2,833 2,857 2931

Semi Urban

1,754 1,862 1,941 1978

Urban

1,601 1,864 1,922 1979

Metro

911 934 956 1031

SLBC of Andhra Pradesh Andhra Bank

Banking Key Indicators

Segment

March,09 (Rs. In Cr) Dec,09 (Rs. In Cr) March,10 (Rs. in Cr) Dec.10 (Rs. in Cr)

Total Deposits 2,05,899 2,30,645 2,45,686 2,63,011 Total Advances 2,10,294 2,51,008 2,69,760 3,07,103

CD Ratio (%)

102.13 108.83 109.80 116.76

Priority Sector Advances

1,00,325 1,20,641 1,26,515 1,46,028

% of Priority Sector Advances

47.71 48.06 46.90 47.55

Agriculture Advances

51,487 61,772 68,658 80,252

% of Agri. Advances to Total Advances

24.48 24.61 25.45 26.13

SLBC of Andhra Pradesh Andhra Bank

Priority Sector Advances (outstandings)

Segment

March,09 (Rs. in Cr) Dec.,09 (Rs. in Cr) March,10 (Rs. in Cr) Dec.,10 (Rs. in Cr)

Agriculture

51,487 61,772 68,658 80,252

Non Farm Sector, SME and Rural Artisans

21,128 22,396 22,868 24,921

Other Priority Sector Advances

27,710 36,473 34,989 40,855

Total Priority Sector Advances

1,00,325 1,20,641 1,26,515 1,46,028

SLBC of Andhra Pradesh Andhra Bank

Agricultural Advances

(outstandings)

Segment

March,09 (Rs. In Cr) Dec.,09 (Rs. In Cr) March,10 (Rs. in Cr)

Dec.,10 (Rs. In Cr)

Crop Loans

28,665 32,658 33,986 38,706

• Agri. Term Loans

& Allied Activities

22,822 29,114 34,672 41,546

Total Agricultural Advances

51,487 61,772 68,658 80,252

SLBC of Andhra Pradesh Andhra Bank

Education & Housing Loans

(outstandings)

Segment

March, 09 (Rs. In Cr) Dec., 09 (Rs. In Cr) March,10 (Rs. in Cr) Dec.,10 (Rs. In Cr)

Education Loans

4,198 5,349 5,385 5,651

Housing Loans

19,835 20,926 21,961 23,044

SLBC of Andhra Pradesh Andhra Bank

Loans to Minorities, SCs/STs, Women & Weaker Sections (outstandings)

Segment March,09 (Rs. in Cr) Dec.,09 (Rs. in Cr) March,10 (Rs. in Cr) Dec.,10 (Rs. in Cr)

Minorities (% to Priority Sector) 5,970 (5.95%) 7,737 (6.41%) 8,502 (6.72%) 10,543 (7.22%) SC/STs (% to Priority Sector) 8,025 (8.00%) 10,822 (9.80%) 11,019 (8.71%) 10,671* (7.31%) Women (% to Priority Sector) 23,242 (23.17%) 26,045 (21.59%) 29,039 (22.95%) 37,309 (25.55%) Weaker Sections (% to Priority Sector) 33,861 (33.75%) 42,672 (35.37%) 44,657 (35.30%) 45,664 (31.27%) * Provisional Data. Data to be checked up with banks

SLBC of Andhra Pradesh Andhra Bank

SHG- Bank Linkage Program (Rural) - Disbursements

March,09 Target 2009-10 Ach’mnt Dec.,09 March, 10 Target 2010-11 Ach’mnt Dec.,10 Disbursed Amount (Rs. In Cr.) 6,637 9,000 5,056 6,501 7,236 5,570

• No. of

Groups (Disbursed) 4,76,195 5,80,797 3,26,442 4,04,439 3,96,283 3,80,600

SLBC of Andhra Pradesh Andhra Bank

SHG- Bank Linkage Program (Urban) - Disbursements

March,09 Target 2009-10 Ach’mnt Dec.,09 Ach’mnt March,10 Target 2010-11 Dec.,10 Disbursed Amount (Rs. In Cr.) 843 1,200 800 1,253 1,400 1,221

• No. of

Groups (Disbursed) 92,238 88,572 72,865 1,07,962 1,06,700 77,354

SLBC of Andhra Pradesh Andhra Bank

SHG- Bank Linkage Program Outstandings (Rural and Urban)

March,09 Dec.,09

March,10 Jan,11 Outstanding Amount (Rs. In Cr.)

9,837 11,508 11,764 12,948

Outstanding

• No. of

Groups

9,89,382 11,36,576 11,67,000 14,02,421

SLBC of Andhra Pradesh Andhra Bank

Annual Credit Plan- Implementation- Khariff – Sept.

Segment

2009-10

TOTAL (Rs.in Cr.) 2009-10 September,2009 (Rs. in Cr)

2010 -11

September,2010 (Rs.in Cr.)

Target Achmt Target Achmt Target Achmt

Crop Loans

23,500 24,845 (105.72%) 14,100 14,407 (102.17%) 17,473 16,372 ( 93.70 %)

Term Loans (Agri&Allied)

9,000 12,929 (143.65%) 4,500 5,414 (120.31%) 8,609 8,606 (99.97%)

Total Agriculture

32,500 37,774 (116.23%) 18,600 19,821 (106.56%) 26,082 24,978 ( 95.77%)

SME

8,000 7,399 (92.49%) 4,000 2,584 (64.60%) 4,075 5,338 ( 130.99%)

Other Priority Sector

15,000 12,200 (81.33%) 7,500 6,052 (80.69%) 7,850 7,516 ( 95.75%)

Total Priority Sector

55,500 57,373 (103.37%) 30,100 28,457 (94.54%) 38,007 37,832 ( 99.54%)

SLBC of Andhra Pradesh Andhra Bank

Annual Credit Plan- Implementation - Rabi

Segment 2009-10 Rabi (Rs.in Cr.) December, 2009 2010-11 Rabi (Rs.in Cr.) December, 2010 2010-11 Rabi (Rs.in Cr.) As on 19.03.2011

Rabi Target Achmnt Dec., 2009 % of Achm’nt Rabi Target Achmnt

• Dec. 2010

% of Achm’nt Rabi Target Achmnt Dec. 2010 % of Achm’nt

Crop Loans

9,400 3,523 37.48 8,788 6,152 70.00 8,788 8,050 91

Term Loans Agri&Allied

4,500 2,244 49.87 7,043 4,379 62.17 7,043 6,314 89

Total Agriculture

13,900 5,767 41.49 15,831 10,531 66.52 15,831 14,634 90

SLBC of Andhra Pradesh Andhra Bank

Annual Credit Plan- Implementation- Dec. 2010

Segment

2009-10

TOTAL (Rs.in Cr.) 2009-10 December,2009 (Rs. in Cr)

2010 -11

December,2010 (Rs.in Cr.)

Target Achmt Target 2009-10 Achmt Dec,2009 Target 2010-11 Achmt Dec,2010

Crop Loans

23,500 24,845 (105.72%) 23,500 17,930 (76.30%) 26,261 22,524 ( 85.77%)

Term Loans (Agri&Allied)

9,000 12,929 (143.65%) 9000 7,658 (85.08%) 15,652 12,985 (82.96%)

Total Agriculture

32,500 37,774 (116.23%) 32,500 25,588 (78.73%) 41,913 35,509 ( 84.72%)

SME

8,000 7,399 (92.49%) 8,000 4,855 (60.69%) 8,150 7,920 ( 97.17%)

Other Priority Sector

15,000 12,200 (81.33%) 15,000 8,316 (55.44%) 15,700 10,323 ( 65.76%)

Total Priority Sector

55,500 57,373 (103.37%) 55,500 38,759 (69.84%) 65,763 53,753 ( 81.74%)

SLBC of Andhra Pradesh Andhra Bank

Performance under Schemes sponsored by Central Government

Scheme Target 2009-10

Ach’mnt Dec.,2009 Ach’mnt March,10 Target 2010-11 Ach’mnt

SGSY

(Rs.in Cr)

239.98 168.62 288.26 275.86 361.54

( Feb,11)

SJSRY

(Rs.in Cr)

1,200 800 1,251.75 1,400 1,360.81

( Feb,11)

PMEGP

(Units)

4,433 2,235 2,968 3,499 2,268

( March,11)

ISHUP

(Units)

2,32,826 24,550 28,745 90,000* 5,474

(March,11)

Applications sponsored: 29,710 Sanctioned: 10,673

SLBC of Andhra Pradesh Andhra Bank

Major Issues which needs attention of State Government in respect of decisions of earlier Meetings

 Steps are to be taken by Govt. to introduce fool proof

system for issuing Pattadar Pass Books.

 Social Welfare Department, Government of Andhra

Pradesh is yet to reimburse the card charges agreed upon in respect of Social welfare Scholarships

 DICs may coordinate and prepare project profiles at

District level under SME Sector involving Banks, KVIC/ KVIB as per Chakrabarthy Committee recommendations

SLBC of Andhra Pradesh Andhra Bank

Major Issues which needs attention of Banks in respect of decisions of earlier Meetings

 As per originally envisaged Plan, Banks have to

complete 100% opening of No Frill Accounts. However, Banks are given revised target of providing Banking services in the villages with population of 2000 and above by March, 2012. This programme is being implemented by banks

 All the Controlling Authorities of Banks to claim

interest subsidy in respect of loans disbursed under ISHUP before 31st March, 2011 and also ensure that the set target is achieved under the scheme.

SLBC of Andhra Pradesh Andhra Bank

Major Issues which needs attention of Banks in respect of decisions of earlier Meetings

 At present FLCCs are functioning in 6 districts. The

LDMs of other districts are advised to take initiative for

• pening FLCCs.

SLBC of Andhra Pradesh Andhra Bank

Major Action Points emerged in 172nd SLBC meeting and Action initiated

SLBC of Andhra Pradesh Andhra Bank

ISSUE Action Taken Reschedule the Short Term Agriculture Loans disbursed during Kharif 2010 and Rabi 2010 – 11 as per RBI guidelines

• n

Natural Calamities in the 680 mandals affected by Floods/heavy rains. A request is received from GoAP to extend time up to 30.06.2011 and the proposal is to be submitted to RBI Open `No Frills Accounts’ to farmers including tenant farmers for drawing input subsidy that is being released by way of cheques to farmers by GoAP, wherever required. Complied with. Complete the disbursement of the gap of Rabi lending target by 15.01.2011. We are hopeful

• f

achieving the target by March, 2011

Major Action Points emerged in 172nd SLBC meeting and Action initiated

SLBC of Andhra Pradesh Andhra Bank

ISSUE Action Taken The Agriculture Department, Government

• f

Andhra Pradesh is requested to extend necessary help in recovering loans allowed during 2007 – 08 & 2008 – 09 Complied with at few places. Government may reiterate the instructions A Sub Committee is formed to monitor the progress of implementation

• f

Financial Inclusion Plan with Secretary (IF) as Coordinator Complied with. SERP/MEMPA is requested to advise their district

• fficials to assist the banks in getting recoveries for long

term sustenance of the movement Complied with. More focused attention is required Government

• f

Andhra Pradesh was requested to communicate the authorised official for issuance of income certificae under the Educational Loan scheme Complied with.

Major Action Points emerged in 172nd SLBC meeting and Action initiated

SLBC of Andhra Pradesh Andhra Bank

ISSUE Action Taken Waiver of Loans of Handloom Weavers: Banks requested for improvement in the Scheme announced by Government GoAP accepted to waive 100% principal amount and issued amendment GO MS.14 dated 06.02.2011. GoAP is requested to consider for extending the period of implementation. Implementation of GO No. 42 on Housing Loans under RGK / VAMBAY Schemes APSHCL (Revival of GO MS No. 42) A Special Meeting was conducted on 02.02.2011. The matter was placed for discussion in 16th Meeting of Steering Committee

• f

SLBC

• f

AP held

• n

21.02.2011. Accordingly, all the Controlling Authorities

• f

the Banks were requested for implementation of the scheme from 01.04.2011 onwards.

Agriculture and Allied Activities

Interest waiver of GoAP on crop loans extended upto 30.11.2010.

It was clarified that interest waiver is available in respect of all the crop loans allowed in the flood/heavy rain affected mandals (680 mandals) from 01.04.2010 to 30.11.2010 in respect of all the following categories:

1.

Crop loan availed and repaid before 31.03.2011 – Interest waiver is available up to the date of repayment

2.

Crop loan availed and still outstanding as on 31.03.2011 (with out rescheduling

• r repayment) - Interest waiver is available up to 31.03.2011

3.

Crop loan availed is rescheduled before 31.03.2011- Interest waiver is available

• n crop loan up to the date of reschedulement and on rescheduled loan account from

the date of reschedulement up to 31.03.2011.



GoAP has released the operational guidelines and we have suggested certain

• changes. The revised guidelines are to be received.

Tenant farmers



GoAP has introduced `Loan eligibility and other benefits’ Cards bill in the Assembly and perhaps this initiative may be the first of its kind in the country. Banks have financed 89,000 tenant farmers through 10,700 JLGs during the current year. SLBC of Andhra Pradesh Andhra Bank

Agriculture and Allied Activities

Coverage of New Farmers:



Banks have financed 7.00 lakh new farmers this year. Each rural / Semi- urban Bank branch may finance a minimum of 100 New Non Loanee Farmers during the year 2011-12. Kisan Credit Card scheme:



Hon’ble Union Finance Minister advised all the Banks to increase 20% in Kisan Credit Cards in quantum of finance as well as number of farmers during this financial year. Banks may take steps for implementation of Kisan Credit Card scheme in its true spirit. In our State Banks have financed 89.96 lac farmers under the Scheme.

SLBC of Andhra Pradesh Andhra Bank

Reschedulement of Khariff, 2010 loans

 It was estimated that out of Rs. 11,637 Cr of Khariff 2010 crop

loans eligible for reschedulement, farmers have come forward to reschedule about Rs.777 Cr. crop loans, constituting only 7%. It is estimated that about 20-25% farmers would have repaid their khariff, 2010 loans.

 As per the RBI guidelines, the rescheduling is to be completed

within three months from the date of calamity. It was advised that- to facilitate other farmers to reschedule their loans, the due date may be extended. This will facilitate the farmers affected to reschedule their loans and get fresh loans for Khariff, 2011.

 Permission from RBI is required, to extend the due date. SLBC of Andhra Pradesh Andhra Bank

A P Smart Card Project



In Andhra Pradesh 70 lakh Smart Cards were issued and it is estimated that there may be a need for 50 lakh Smart Cards to be issued for MGNREGS and Social Security Pension Schemes.



With regard to payment of incentive by RBI on the Smart Cards put to use up to June,2010, Banks have already submitted the reconciled data.



RBI may kindly consider extending the date for giving incentive to Banks from the earlier specified June, 2010.

SLBC of Andhra Pradesh Andhra Bank

RBI Outreach Activities



The outreach activity was the flagship event of the Platinum Jubilee year celebrations of the Reserve Bank of India.



The outreach events across the country were chosen to further financial inclusion, with particular focus on financial education and literacy. An important aspect of the outreach activities was making the Banking Ombudsman as integral part of the activities so that there could be spot redressal of some of the grievances.



During the outreach visits, information was disseminated through lectures, demonstrations, interactions, skits, posters, short films, pamphlets, comic books, displays and computers. Quiz programmes and essay competitions, exchange of notes and coins were organised.



The top management of the Reserve Bank of India participated in outreach programmes organised in the remote unbanked villages’ across the State.



Recently, an outreach programme is organized on 25th & 26th March,2011 by Reserve Bank of India at Rampachodavaram, East Godavari District.

SLBC of Andhra Pradesh Andhra Bank

Common Service Centers



Government of India has formulated a National e- Governance Plan with the vision of providing all Government Services in an integrated manner at the doorstep of the citizen, at an affordable cost. One of the models for delivery of “Web-enabled Anytime, Anywhere access” to information and services in rural India under the project Common Services Centers (CSCs).



SLBC has taken up the matter with GoAP to inform the details

• f the villages where CSC project is being implemented. It is

informed that they are contemplating to open CSCs in a total of 3823 villages and in respect of 627 villages CSCs are already

• pened. In other villages, CSCs will be opened. The list of the

villages was sent to all the Banks with an advise to explore the possibility of utilizing the services of CSCs in the respective villages for implementation of FIP.

SLBC of Andhra Pradesh Andhra Bank

RSETIs- Extending finance to Trained candidates by Banks



The RSETIs in the state are estimated to train 18000 – 20000 trainees in self employment oriented activities during 2011-12. If 70% of them take up self employment through bank credit, the annual credit requirement work out to approximately Rs.70 crore (assuming a credit linkage of Rs.50,000 per unit to 14000 units).



All the banks may advise their Rural and Semi Urban branches to take up financing of at least one RSETI trainee per quarter which will enable financing of 19,636 trainees during the year as our State is having 2931 rural and 1978 semi urban

• branches. LDMs may regularly follow up the matter.

SLBC of Andhra Pradesh Andhra Bank

Financial Inclusion Plan – Above 2000 Population Villages



The Sub Committees of DCCs constituted at district level may regularly review the progress of implementation and take up re- allocation of villages wherever required.



All the Controlling Authorities of Banks and Lead District Managers are requested to submit monthly progress report to SLBC, to enable SLBC to submit consolidated position to Union Ministry of Finance and RBI.



In the State Level Sub – Committee Meeting which was chaired by Secretary, Finance (IF) dept. of GoAP, the Banks have committed to complete FIP in a minimum of 2,500 villages by the end of March, 2011.

SLBC of Andhra Pradesh Andhra Bank

Financial Inclusion Plan – Below 2000 Population Villages



In the meeting held, the Union Finance Minister has advised all the Banks to take steps for covering villages with below 2000 population also simultaneously.



As per the direction, SLBC has initiated steps and sent the list

• f villages to all LDMs with an

advice to complete the allocation to enable banks to take steps for implementation of FIP.

SLBC of Andhra Pradesh Andhra Bank

SME Sector – CGTMSE



At the instance of Reserve Bank of India SLBC of AP has allotted more than 10000 units to all the Banks in Andhra Pradesh with a request to re-allot the same to their branches for achieving the target for the year 2010 – 11. It was advised that the PMEGP loans may also be covered under CGTMSE scheme as per the eligibility.



The progress made during the financial year i.e. 01.04.2010 to 15.03.2011 is as follows:



Banks have covered the Micro, Small Enterprises under CGTMSE Scheme for 6630 units with a coverage amount of Rs.

• 418. 73 Crs.



The progress is very low in Chittoor, Khammam, Nalgonda, Nizamabad and Warangal Districts.



The matter is being discussed in the Steering Committee Meetings and advised all the Bankers to take appropriate steps for reaching the target.

SLBC of Andhra Pradesh Andhra Bank

SME Sector – Viability Studies

 In the SLIIC Meeting held on 09.01.2011, on the above

subject, Reserve Bank of India advised all the Bankers to

 Initiate immediate steps for regularly conducting

viability studies and submit progress reports to RBI.

 Analyze the reasons for low percentage of viable

sick units and inform the findings to SLBC to enable SLBC to discuss in SLIIC meeting.

SLBC of Andhra Pradesh Andhra Bank

Lending to Minority Communities



As on 31.12.2010, lending to Minority Communities under Priority Sector lending is Rs.10,543 crores forming 7.22% of Priority sector advances.



Ministry of Finance, Govt. of India vide lr. no. F.No.15 (1), 2010- CP dated 9th April, 2010, advised to all Public Sector Banks to step up their Minority Community Lending (MCL) to 15% of their Priority Sector Lending (PSL) over three years i.e. by end

• f 2009 – 10.



The target of 15 per cent of Priority sector lending to Minority Community Lending should be maintained for the next three years i.e. up to 31.03.2013.



The forum may discuss the strategies to be adopted by the banks for achieving the goals by March, 2011.

SLBC of Andhra Pradesh Andhra Bank

Lending under DRI

Finance under DRI:



As on 31.12.2010, the credit outstanding to DRI is Rs.317 crores.



As per the Reserve Bank of India guidelines “All banks should lend under DRI scheme minimum of 1% of their aggregate advances as at the end of the previous year.



In most of the Steering Committee / SLBC Meetings the matter was discussed and advised all banks to pay special attention and advised to lend the Government sponsored schemes under DRI scheme.

SLBC of Andhra Pradesh Andhra Bank

Self Help Groups (SHGs) – Issues relating to Recovery



Against

• utstanding

position

• f

14,02,421 accounts and Rs.12,948 Cr; the overdues are exisiting in 2,41,786 accounts with a liability of 2,225 Cr. The actual overdue amount is Rs. 586 cr.



In case of Self Help Group advances Banks have to put forth collective efforts with the help of IKP officials. Government may sensitize their field level functionaries.



Branch Managers are to use CBRM mechanism introduced by the SERP for recovery.

SLBC of Andhra Pradesh Andhra Bank

Self Help Groups – Core Committee



The final Action Points emerged in the Core Committee meetings were circulated and decided to implement the recommendations in the 16th Steering Committee Meeting held

• n 21.02.2011.

SLBC of Andhra Pradesh Andhra Bank

Self Help Groups – Financing Mandal Mahila Samakhyas

 The

legal aspects

• f

financing Mandal Mahila Samakhyas were discussed with SERP in a small group meeting on 12.03.2011.

 The clarifications received will be placed before the

Sub Committee / Steering Committee of SLBC and all aspects of financing will be studied.

SLBC of Andhra Pradesh Andhra Bank

Self Help Groups – Banking Plan for PoP (Poorest of the Poor)Groups



A scheme for credit flow of Rs.1200 crore has been prepared by SERP for intensive targeting

• f

PoP SHGs for poverty alleviation on a sustainable basis and the same is enclosed. A banking plan, bank wise, district wise and branch wise will be prepared shortly and forwarded to SLBC for necessary action. The scheme will be monitored and supported closely by SERP.



House may discuss

Self Help Groups – Data Analysis of SHG portfolio



All the banks have been requested by the Government to share the data on SHG portfolio on line on a monthly basis which will be useful to banks and SERP.



The forum may deliberate on the issue

SLBC of Andhra Pradesh Andhra Bank

Lead Bank Scheme - Meetings

 Reserve

• f

India has release guidelines for preparation of yearly calendar for conducting SLBC meetings.

 SLBC circulated the guidelines and calendar to all

Banks and Government of AP.

 All the banks are requested to note and submit data

well before the stipulated time schedule.

SLBC of Andhra Pradesh Andhra Bank

NPA/ Overdue Position under various sectors

Short Term Agriculture Crop Production Loans:



The overdue position is 4.6% with the outstanding balance and in real terms it is Rs.1289.22 crores. In respect of NPA it is 4.33% and in real terms it is Rs.1216.32 crores. Agriculture Term Loans:



The overdue position is 3.85% with the outstanding balance and in real terms it is Rs.601.78 crores. In respect of NPA it is 2.59% and in real terms it is Rs. 405.39 crores. Agriculture Allied Activities:



The overdue position is 2.47% with the outstanding balance and in real terms it is Rs.343.36 crores. In respect of NPA it is 2.19% and in real terms it is Rs.304.37 crores. Total Agriculture:



The Overdues on Total Advances are Rs.4340.71 crores, which is 7.42% and NPA is Rs. 2101.56 crores which is 3.59%.

SLBC of Andhra Pradesh Andhra Bank

NPA/ Overdue Position under various sectors

Small Scale Industries / Micro and Small Enterprises:



The Overdue position on SSI/MSE is Rs.921.82 crores, which is 5.21% and NPA is Rs.1025.90 crores which is 5.79%. Total Priority Sector Advances:



The overall overdue position on Total Priority Sector is Rs.12382.83 crores which is 11.98% and NPA is Rs. 9432.86 crores which is 9.12%.

SLBC of Andhra Pradesh Andhra Bank

NPA/ Overdue Position under various sectors

Educational Loans:



The overdue position on Educational Loans is Rs.176.74 crores, which is 3.97% and NPA is Rs.474.59 crores which 10.67%. Housing Loans:



The overdue position on Housing loans is Rs.653.21 crores, which is 3.93% and NPA is Rs.2098.19 crores which is 12.61%.



Many banks have not submitted the data relating to Overdues and NPAs. Where banks have submitted with full details those banks data is analysed and incorporated in the statements. This analysis done on data submitted by a few banks and is indicative only.

SLBC of Andhra Pradesh Andhra Bank

Regional Rural Banks



Deposits: As on 31.03.2010 the deposits in RRBs are Rs.11468 crores increased to Rs.11830 crores as on 31.12.2010 registered a growth of Rs.362 crores which is 3.16%.



Advances: As on 31.03.2010 the advances in RRBs are Rs.11090 crores increased to Rs.13210 crores as on 31.12.2010 registered a growth of Rs.2120 crores which is 19.12%.



CD Ratio: As on 31.03.2010 the CD ratio in RRBs is 96.71% increased to 111.66% as on 31.12.2010.



Financial Inclusion Plan: 1971 villages have been allotted to all RRBs for providing banking services in their respective area of operations under Financial Inclusion Plan.

SLBC of Andhra Pradesh Andhra Bank

Bank Sponsored FSCSs



Earlier SLBC has requested the Registrar of Cooperative Societies to formulate separate Bye Laws for the Bank sponsored FSCSs and their reply is awaited.



The Registrar of Cooperative Societies is once again requested to clarify on the Bye Laws for Banks’ sponsored FSCSs.



The matter was placed in the Sixteenth Steering Committee Meeting and the issue was deferred to next meeting.

SLBC of Andhra Pradesh Andhra Bank

THA THANK NK Y YOU OU

SLBC of Andhra Pradesh Andhra Bank