1 / 28

State Level Bankers’ Committee

State Level Bankers’ Committee. 79 th Meeting. Annual Credit Plan & performance: FY 2009-10. Structure of Presentation:. Credit Plan Performance: Aggregate Analysis: FY 2009-10 Disaggregated Analysis by: Sectors Spaces Service providers Sponsored schemes. J&K Economy: Basics.

arlo
Download Presentation

State Level Bankers’ Committee

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

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

  2. Structure of Presentation: • Credit Plan Performance: • Aggregate Analysis: FY 2009-10 • Disaggregated Analysis by: • Sectors • Spaces • Service providers • Sponsored schemes

  3. J&K Economy: Basics

  4. J&K Economy : Basic Indicators

  5. Economic Infrastructure

  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

  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 17896 • 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 India’s 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 2009-10 • Total Credit off-take = Rs 3866 crore Of which • Non Priority = Rs. 1199 crore • Priority = Rs. 2667 crore

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

  17. Credit by Sector Rs in Crores

  18. Credit Composition: Intentions Vs Reality • Achievement Targets

  19. Average Ticket Size: Intentions Vs Reality Targets Actuals

  20. Credit By RegionAbsolutes and Priority Sector target achievement(%) • Rs in Crores

  21. Sector-Space Matrix Rs in crores

  22. Achievement Matrix %

  23. Credit by InstitutionRs in Crores

  24. Credit By Institution (%)

  25. Sponsored Schemes Credit disbursement through five Major schemes • Rs In Crores • 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%

  27. Credit Scenario:

  28. Thank You

More Related