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State Level Bankers’ Committee

This presentation highlights the performance of the Annual Credit Plan in J&K for FY 2009-10. It includes an aggregate and disaggregated analysis by sectors, spaces, and service providers. It also focuses on the financial exclusion in J&K and the credit gap in the region.

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State Level Bankers’ Committee

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  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

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