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State Level Bankers Committee 79 th Meeting Annual Credit Plan & performance: FY 2009-10.

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Presentation on theme: "State Level Bankers Committee 79 th Meeting Annual Credit Plan & performance: FY 2009-10."— Presentation transcript:

1 State Level Bankers Committee 79 th Meeting Annual Credit Plan & performance: FY

2 Credit Plan Performance: Aggregate Analysis: FY Disaggregated Analysis by: Sectors Spaces Service providers Sponsored schemes Structure of Presentation:

3 J&K Economy: Basics 3

4 J&K Economy : Basic Indicators Total Population1.01 crore Area1,01,387 sq kms Density100 per sq km ( 325 ) Per capita IncomeRs 20,190 (Rs 26,000) Population BPL3.48% ( 26.10%) Literacy55.52% ( 64.84%) Unemployment rate :4.21 ( 3.09)

5 Economic Infrastructure Road Length (Kms/100SqKm)35.71 (104.64) Telephones/100 of population7.76 (13.57) Post offices/Lakh of Population15 (14) Bank offices per 100 SqKm0.85 (2.18) Average population per bank office13000 (16000) Hospital Beds per lakh111 Doctors per lakh48

6 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)

7 Financial Exclusion of J&K 7

8 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.

9 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 –Kupwara: Rs 9999

10 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 Indias population Yet it accounts for only less than 0.2 per cent of personal credit disbursed in India

11 Annual Credit Plan: Performance

12 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%

13 Aggregative Analysis : FY Total Credit off-take = Rs 3866 crore Of which Non Priority = Rs crore Priority = Rs crore

14 Credit to Priority Sector: Off-take Total off-take = Rs 2667 crore MAR-10 MAR-09 Agriculture :Rs 547 CrRs. 392 Cr SME :Rs 585 CrRs. 511 Cr Micro Credit:Rs 293 CrRs. 144Cr Retail Trade: Rs 429 CrRs. 557 Cr Education: Rs 51 CrRs. 52Cr Housing: Rs 762 CrRs. 282 Cr

15 Credit to Priority Sector: YoY Growth Overall Priority : 38% Agriculture :40% SME :15% Micro Credit:103% Retail Trade: -23% Education: 0% Housing: 170%

16 Banking Scenario Rs in crores s BranchesDepositCredit Outstanding Credit Disbursement FY10 CD Ratio J&K Bank 426 (34%) (60%) (71%) 2677 (69%) 53 Other Banks 826 (66%) (40%) 4944 (29%) 1239 (31%) 32 Total

17 Credit by Sector Rs in Crores SectorTargetsAch.%age AgricultureRs.545Rs % S. EnterprisesRs.759Rs.58577% Micro creditRs.350Rs % Retail TradeRs. 467Rs 42992% EducationRs. 68Rs. 5175% HousingRs. 112Rs % TotalRs. 2301Rs %

18 Credit Composition: Intentions Vs Reality Targets Achievement

19 Average Ticket Size: Intentions Vs Reality AgricultureRs.49,000 S. EnterprisesRs.4,12,000 Microcredit1,70,000 R. TradeRs.1,79,000 EducationRs.2,31,000 HousingRs. 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 TargetsActuals

20 Credit By Region Absolutes and Priority Sector target achievement(%) RegionPriorityNon- Priority Total Kashmir1279 (125%) Jammu1346 (110%) Ladakh42 (76%)2567 Total2667 (116%) Rs in Crores

21 Sector-Space Matrix Rs in crores AgricultureSmall Enterprises Micro credit Retail Trade EducationHousing Kashmir Jammu Ladakh Total

22 Achievement Matrix % AgricultureSmall Enterprises Micro credit Retail TradeEducationHousingTotal Kashmir Jammu Ladakh Total

23 Credit by Institution Rs in Crores Institution/sDisbursals (Pri. Sector) Target Achievement% Disbursals ( Non Pri. Sector) Total J&K Bank SBI PNB Other Comm. Banks Coop. Banks RRBs Other FIs

24 24 Credit By Institution (%)

25 Sponsored Schemes Credit disbursement through five Major schemes Rs In Crores SGSY56% PMEGP52% JKSES64% SJSRY36% SC/ST19% Total55% Target Achievement

26 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% 26

27 Credit Scenario: CD Ratio44.76%Needs improvement Priority Sector Credit52.62%Satisfactory Agriculture Credit11.59%Poor Credit to SME18.00%Satisfactory Advances to weaker sections14.63%Satisfactory Credit under DRI0.01%Poor Advances to women5.42%Benchmark is 5% 27

28 28 Thank You


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