State Level Bankers’ Committee
description
Transcript of State Level Bankers’ Committee
State Level Bankers’ Committee
79th Meeting
Annual Credit Plan & performance:
FY 2009-10
Credit Plan Performance: Aggregate Analysis: FY 2009-10Disaggregated Analysis by:
Sectors Spaces Service providers Sponsored schemes
Structure of Presentation:
J&K Economy: Basics
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J&K Economy : Basic IndicatorsTotal Population 1.01 crore
Area 1,01,387 sq kms
Density 100 per sq km ( 325 )
Per capita Income Rs 20,190 (Rs 26,000)
Population BPL 3.48% ( 26.10%)
Literacy 55.52% ( 64.84%)
Unemployment rate : 4.21 ( 3.09)
Economic InfrastructureRoad Length (Kms/100SqKm) 35.71 (104.64)
Telephones/100 of population 7.76 (13.57)
Post offices/Lakh of Population 15 (14)
Bank offices per 100 SqKm 0.85 (2.18)
Average population per bank office 13000 (16000)
Hospital Beds per lakh 111
Doctors per lakh 48
Structural Indicators
• Average land holding : 0.66 hectares ( 1.41)
• Cultivators /Total workers : 42.40% ( 31.65)
• Agri Labourers/TW : 6.56% ( 26.55)
• HH workers : 6.25% (4.21%)
• Gross Area irrigated : 41% (40)
Financial Exclusion of J&K
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Basic Facts
• Incidence of financial exclusion higher than the National average
of 59 accounts per 100 adults
• In J&K only 46 people out of 100 have bank accounts
• Huge inter-regional variations
– Exclusion is more pronounced in Kupwara district at 20 bank accounts per
100 adults
– District Jammu has 77 % of urban and 69 % of rural bankable adult
population having bank accounts.
– Kargil at 87% has the highest percentage of urban adults having bank
accounts but the base is very small.
Inter regional variations• Bank Branches/Area
– Leh : 1 branch per 3000 sq km– Jammu : 1 branch per 15 kms
• Bank branches /Population– Kupwara : 20,000 people per branch – Leh : 1000 people per branch
• CD Ratio– Kargil : 11.41%– Srinagar : 81.99%
• Per Capita Income – Srinagar : Rs 17896 – Kupwara : Rs 9999
Credit gap
• J&K accounts for 0.70 per cent of national GDP
•Yet, it absorbs only 0.30 per cent of total national credit
• Productive sectors of the economy account for less than 5 per cent of
the credit disbursed in J&K
•Comparable national average is 30 per cent
• J&K accounts for 1 per cent of India’s population
•Yet it accounts for only less than 0.2 per cent of personal credit
disbursed in India
Annual Credit Plan: Performance
Performance Review
• Annual Action Plan for Priority sector Lending FY09-10: • Financial Terms
– Target : Rs.2301 Crores (PY 1911)– Achievement: Rs.2667 Crores (PY 1938)– Percentage Achievement: 116 % ( PY 101 )
• Physical Terms – Target : 1,83,548– Achievement: 1,40,168– Percentage Achievement: 76%
Aggregative Analysis : FY 2009-10
Total Credit off-take = Rs 3866 crore
Of which Non Priority = Rs. 1199 crore Priority = Rs. 2667 crore
Credit to Priority Sector: Off-take
Total off-take = Rs 2667 crore
MAR-10 MAR-09Agriculture : Rs 547 Cr Rs. 392 CrSME : Rs 585 Cr Rs. 511 CrMicro Credit: Rs 293 Cr Rs. 144CrRetail Trade: Rs 429 Cr Rs. 557 CrEducation: Rs 51 Cr Rs. 52CrHousing: Rs 762 Cr Rs. 282 Cr
Credit to Priority Sector: YoY Growth
Overall Priority : 38%Agriculture : 40%SME : 15%Micro Credit: 103%Retail Trade: -23%Education: 0%Housing: 170%
Banking ScenarioRs in crores
s
Branches Deposit CreditOutstanding
CreditDisbursementFY10
CD Ratio
J&K
Bank
426
(34%)
23090
(60%)
12173
(71%)
2677
(69%)
53
Other
Banks
826
(66%)
15150
(40%)
4944
(29%)
1239
(31%)
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Total 1252 38240 17118 3866 4416
Credit by Sector Rs in Crores
Sector Targets Ach. %age
Agriculture Rs.545 Rs.547 100%
S. Enterprises Rs.759 Rs.585 77%Micro credit Rs.350 Rs. 293 84%
Retail Trade Rs. 467 Rs 429 92%
Education Rs. 68 Rs. 51 75%Housing Rs. 112 Rs 762 678%Total Rs. 2301 Rs. 2667 116%
Agriculture24%
S. Ent.33%
Microcredit15%
R. Trade20%
Education3%
housing5%
Credit Composition: Intentions Vs Reality
Targets
Agriculture21%
S. Ent.22%
Microcredit11%
R. Trade16%
Education2%
housing28%
•Achievement
Average Ticket Size: Intentions Vs Reality
Agriculture Rs.49,000
S. Enterprises Rs.4,12,000
Microcredit 1,70,000
R. Trade Rs.1,79,000
Education Rs.2,31,000
Housing Rs. 3,11,000
Rs 1,05,000
Rs 3,77,000
Rs 2,03,000
Rs. 1,96,000
Rs. 1,79,000
Rs 2,29,000
Targets Actuals
Credit By RegionAbsolutes and Priority Sector target achievement(%)
Region Priority Non-Priority
Total
Kashmir 1279 (125%) 514 1793
Jammu 1346 (110%) 660 2006
Ladakh 42 (76%) 25 67
Total 2667 (116%) 1199 3866
•Rs in Crores
Sector-Space Matrix Rs in crores
Agriculture Small
Enterprises
Micro
credit
Retail Trade
Education Housing
Kashmir 344 244 65 216 26 384
Jammu 201 329 217 199 25 375
Ladakh 1.00 12.00 11.00 14.00 0.22 3.00
Total 547 585 293 429 51 762
Achievement Matrix %
Agriculture
Small
Enterprises
Micro
credit
Retail Trade Education Housing
Total
Kashmir 107 90 58 86 91 942 125
Jammu 95 69 95 98 69 562 110
Ladakh 11 90 108 124 7 61 76
Total 100 77 84 92 75 678 116
Credit by Institution Rs in Crores
Institution/s Disbursals
(Pri. Sector)
Target Achievement%
Disbursals
( Non Pri. Sector)
Total
J&K Bank 1862 206 765 2627
SBI 241 79 71 312
PNB 79 41 78 157
Other Comm. Banks
152 42 110 262
Coop. Banks 158 61 73 231
RRBs 175 64 102 277
Other FIs 0.44 10 0 0.44
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Credit By Institution (%)
JK Bank
68%
SBI
8%
PNB
4%
Other Comm Banks
7%
Coop Banks
6%
RRBs
7% 0%
Sponsored Schemes Credit disbursement through five Major schemes
•Rs In Crores
SGSY 56%
PMEGP 52%
JKSES 64%
SJSRY 36%
SC/ST 19%
Total 55%
•Target Achievement
SGSY, 33.58
PMEGP, 60.61
JKSES, 63.44
SJSRY, 4.3
SC/ST/OBC, 2.42
Credit Compositions
• Excluding J&K bank there are:
– Banks: 33
– Branches: 826
– Credit Disbursement: Rs 1239 Crores
– Per Branch: Rs 1.5 Cr per year
– Credit Deposit Ratio: 32%
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Credit Scenario:
CD Ratio 44.76% Needs improvement
Priority Sector Credit 52.62% Satisfactory
Agriculture Credit 11.59% Poor
Credit to SME 18.00% Satisfactory
Advances to weaker sections 14.63% Satisfactory
Credit under DRI 0.01% Poor
Advances to women 5.42% Benchmark is 5%
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Thank You