1. Uttarakhand Gramin Bank “Rebuilding Uttarakhand” A Social Enterprise Approach of Uttarakhand Gramin Bank. 10 January, 2014 New Delhi

2. TO All Dignitaries at Rebuilding Uttarakhand- A Roundtable UTTARAKHAND GRAMIN BANK 2 WELCOME

3.  Date of Establishment: 01November, 2012.  (After amalgamation of Erstwhile Uttaranchal Gramin Bank and Nainital Almora Kshetriya Gramin Bank)  Area of Operation: All 13 districts of Uttarakhand.  Other RRB in the State: None  UGB is having the 2nd Largest Network of Branches in Uttarakhand. 3 UGB-AN INTRODUCTION 1. Dehradun2. Haridwar3. Tehri 4. Uttarkashi5. Pauri6. Chamoli 7. Rudra Prayag8. Pithoragarh9. Champawat 10. Nainital11. Almora12. Udham Singh Nagar 13. Bageshwar

4. UGB – Branch Network 4 BRANCH NETWORK Sr.DistrictBranchesRegion 1.Dehradun35Region-I Dehradun 70 Branches 2.Haridwar09 3.Tehri20 4.Uttarkashi06 5.Pauri39Region-II Pauri 60 Branches 6.Chamoli13 7.Rudra Prayag08 8.Pithoragarh28Region-III Pithoragarh 36 Br. 9.Champawat08 10.Nainital27Region-IV Haldwami 80 Br. 11.Almora25 12.Bageshwar13 13.Udham Singh Nagar15 Total246

5. CAPITAL AND RESERVES FINANCIAL POSITION OF UGB  The CRAR of UGB as on 31st March 2013 is 14.63% as against the prescribed 9%. 5 Rs. in Crore Particulars31.03.1031.03.1131.03.1231.03.13 Paid up capital4.00 Share Capital Deposits20.15 38.15 Reserves & Surplus91.25101.57115.58133.40

6. NATURAL CALAMITY IN UTTARAKHAND HIMALAYAN TSUNAMI MAXIMUM CALAMITY AFFACTED AREAS DISTRICTLOSS RUDRAPRAYAG Loss of Man-Power, Pilgrims, Local laborers, Livestock, Kedarnath Temple, All connecting routes to Kedarnath, Communication network, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc UTTARKASHI Gangotri Dham, All connecting routes, Communication set up, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc CHAMOLI Badrinath Dham, Hemkund Sahib, Valley of Flowers, All connecting routes, Communication set up, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc PITHORAGARH Kailash Mansarovar Yatra Route, All connecting routes, Communication set up, Agricultural Land, Trekking Routes, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc BAGESHWAR Pindari Glacier Trek, Loss of Man-Power, Local laborers, Livestock, All connecting routes, Communication set up, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

7. NATURAL CALAMITY IN UTTARAKHAND HIMALAYAN TSUNAMI LESSER CALAMITY AFFECTED AREAS DISTRICTLOSS DEHRADUN Loss of Man-Power, Tourist, Livestock, Maximum connecting routes to Hills, Communication network in Hills, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc TEHRI GARHWAL Loss of man Power, Connecting routes, Communication set up, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc PAURI GARHWAL All connecting routes, Communication set up, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc ALMORA All connecting routes, Communication set up, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc CHAMPAWAT All connecting routes to hills, Communication set up, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

8. NATURAL CALAMITY IN UTTARAKHAND HIMALAYAN TSUNAMI PARTIAL CALAMITY AFFECTED AREAS DISTRICTLOSS NAINITAL Tourist, Livestock, Maximum connecting routes to Hills, Communication network in Hills, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc HARIDWAR Tourism activities, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/etc UDHAM SINGH NAGAR Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

9. 9 EFFECT OF NATURAL CALAMITY TO BANKING SECTOR  More than 10 Branches Premises and assets in Hills affected due to Natural Calamity.  1070186 Borrowers/ Units financed by Banks affected due to Calamity in Uttarakhand State in June-July 2013.  474279 Borrowing Units were eligible for Restructuring and extended Moratorium Period.  Out of the above 328339 Borrowing units were given extended Moratorium and 52949 Units (Amount Rs. 4179 Cr) Restructured by 30 Sept. 2013 by Ball Banks in Uttarakhand.  107211 fresh loans (Amount Rs. 285 Cr.) were issued to calamity affected people by Banks in Uttarakhand upto 30 Sept. 2013.

10. 10 INITIATIVES BY BANKING SECTOR  NON-INSTITUTIONAL EFFORTS  Branches/ Staff of Bank extended immediate shelter to the tourists/ homeless people with the help of local people.  Free Call/ Telephone facility to the Tourists to contact their relatives.  Arranged Free fooding to the tourists after calamity with the help of local people.  Arranged Medicine Packets through the contributions of staff and distributed to affected people/tourists.  Staff of UGB in remote hills helped in locating the people from far-off areas who were separated during that period.  Helped in funerals of the dead people.  Contributed 1 Day Salary by all staff in the Chief Minister Relief Fund

11. 11 INITIATIVES BY BANKING SECTOR  INSTITUTIONAL EFFORTS  Convened a Meeting of All Banking Heads in Uttarakhand State.  Convened a meeting by RBI and NABARD to discuss the measures to be initiated by Banks in Uttarakhand State.  All Banks operating in Uttarakhand extended whole-hearted support to the Natural Calamity affected people.  Disbursed fresh Loans to the affected people generously.  Immediately stopped the Recovery Proceedings in affected areas.  Extended Restructuring facility to the affected customers.  Extended Conversion facility to the borrowers.  Liberal and hassle-free settlement of Claims in respect of man- power or Assets financed by banks.  UGB already had a “Free Accidental Insurance of Rs. 1 Lac” for all Savings Bank A/C holders, including “Zero Balance A/Cs”.

12. 12 INITIATIVES BY BANKING SECTOR  EFFORTS BY UGB  Instructed immediately after calamity to all Branch Managers/ Staff to extend all possible help to the affected people.  Instructed all Branches to disburse fresh loans to the affected people.  Restructured /Rephased the Loans of affected people as a Special Drive in all branches.  Settled the Claims of Free Accidental Insurance with the support from National Ins. Co. Ltd.  UGB in collaboration with Uttarakhand Women and Child Development Ministry launched Grameen Gas Connection Scheme in mostly affected areas.  Tie-up Arrangement with National Handicapped Finance & Development Corporation for extending loans to these people.  Fresh Home Loans to the affected people.

13. 13 INITIATIVES BY BANKING SECTOR  EFFORTS BY UGB-2  Arranged the meeting with affected borrowers and extended them fresh Loans.  Engaged NGOs for extending the help to Borrowers/ affected people.  Arranged Special Camps of Financial Literacy & Credit Counseling Centres established by UGB in all 13 Districts.  Enhanced Financing through Joint Liability Groups and Self Help Groups.  Published Advertisements in News papers advising Tourists to visit Uttarakhand now, which is a safe place now to boost the Tourism activity in the State.

14. 14  Request from Govt. Agencies:  To Devise Subsidy Linked Loan Schemes for Natural Calamity Affected Areas.  To extend Refinance facility from NABARD/NHB/Finance Corporations etc at concessional interest rates to the Banks operating in Uttarakhand State.  To ease the NPA Norms for the Loan Accounts in Uttarakhand state for 2- Years.  The Govt. Deptts. (Central as well as State Govt.) and their agencies to extend support and full cooperation in the Endeavour of Banks in Rebuilding Uttarakhand.  Opening New Skill Development and Training Institutes in Hills and Calamity affected areas.  Infrastructure Development and alternate arrangements for transportation.  Enhancing Communication Channels at remote locations.

15. 15  Request from Govt. Agencies-2:  To launch massive Publicity Campaign Nationwide and Worldwide to attract the Tourist in the State.  To have a sense of belief in the mind of international community that Uttarakhand is safe now, to launch Electronic Media publicity campaign.  Arranging Seminars/ inviting people from different walks of life in Uttarakhand to make them feel safe in Uttarakhand.  Special Concessional Tour Packages for Tourists.  Tax holiday for all types of Tourism related activities including the Taxi Cabs etc.  Setting up industrial estates in hills to generate the local employment.  To provide alternate means of employment in hills establishing units in Public Private Partnership (PPP) Mode.

16. 16  Request from Govt. Agencies-3:  To establish Eco-friendly units in Hills.  Making wider use of Information Technology.  To strengthen Weather Forecast System.  Registrations of Tourists and keeping their record on-line, which can be used in future to re-attract them to explore the hidden paradise of Uttarakhand.  Insurance Cover for the Tourists coming to Uttarakhand.  Strengthening the Disaster Recovery Management in Uttarakhand.  Allocating Agriculture Land to the farmers affected due to calamity.  Strengthening Agriculture, Allied Agriculture/ Animal Husbandry/Poultry/Bee Keeping segment.  Free Crop Insurance for Small and Marginal Farmers.  Interest Subvention to be extended for Activities allied to Agriculture.

17. 17 Y.P.Arora, Chairman, Uttarakhand Gramin Bank