1. STATE LEVEL BANKERS COMMITTEE (SLBC) GOA
STATE BANK OF INDIA
CONVENER, SLBC GOA
WELCOMES
91st SLBC Goa meeting dated

2. The Goa Marriott Resort & Spa, Panaji
STATE BANK OF INDIA
91st SLBC MEETING OF
GOA STATE
Date : 11th Dec. 2015
Time : am
Venue:
The Goa Marriott Resort & Spa, Panaji
91st SLBC Goa meeting dated

3. AGENDA ITEM NO.I Confirmation of the Minutes of the last meeting
The minutes of the 90th SLBC meeting (held on the ) were circulated vide SLBC letter no. RBU/LB/12/SLBG-G/726 dated a copy of the minutes is enclosed as Annexure I.
No amendments/suggestions received on the minutes of last meeting held on , the minutes are taken on record as read and confirmed.
91st SLBC Goa meeting dated

4. Action points emerged in the meeting
AGENDA ITEM NO.II : ACTION TAKEN REPORT Present Position in respect of Action Points of last meeting
S. No.
Action points emerged in the meeting
Action to be taken by
Present Position 1
Presence of State Level officers in SLBC Sub group meetings
Govt. of Goa
Needs improvement 2
Joint efforts to increase sponsoring under Govt. sponsored schemes
Banks and
sponsoring agencies
Sponsoring by KVIC is Nil and others need improvement. 3
Timely submission of RBI MIS I TO IV for quarter ended June 15
All banks
Data for Sept 15 Qtr submitted to RBI. 4
Submission of LBR 2, 3 and quick return for Sept. 2015
All Banks
Some banks yet to submit the returns. 5
Submission of SHG & JLG data to LDM required by NABARD as on
Data from few banks awaited. 6
Activation of dormant SHG Proposal to be sent to NABARD
Not reported by any Bank. 7
Instructions to DRO for waiver of commission under OTS scheme
Matter taken up with Govt. of Goa. Last in Nov.15 8
Uploading the PPT of Industries Dept. To the SLBC web site
Convener SLBC Goa
Since uploaded.
91st SLBC Goa meeting dated

5. AGENDA ITEM NO. III ISSUES WHERE STATE GOVT. INTERVENTION IS REQUIRED
Instructions to DRO for waiver of commission under OTS scheme, the matter receiving the attention of the Govt. of Goa
91st SLBC Goa meeting dated

6. Targets for the quarter ending 30.09.2015
1/2
  AGENDA ITEM NO. IV  REVIEW OF PERFORMANCE UNDER ANNUAL CREDIT PLAN Performance under Annual Credit Plan up to (Rs in Crores)
Activity
ACP %
Achiev
Targets for the quarter ending
Achievement upto
North Goa
South Goa
Goa State
Agri Crop Loans
115.55
121.89
237.44
92.55
65.87
158.42
67%
Agri Term Loan
103.27
163.26
266.53
60.28
50.47
110.75
42%
Sub Total Agri
218.82
285.15
503.97
152.83
116.34
269.17
53%
Industries
172.36
123.67
296.03
149.31
105.15
254.46
86%
OPS (Services)
752.91
850.98
775.04
822.48
100%
Total
88%
91st SLBC Goa meeting dated

7. 2/2
Comparative Position of Achievement Under ACP & (Rs. in Crores)
Activity
Achievement under ACP Up to Sept.14
% Ach Sept. 14
Achievement under ACP Up to Sept.15
% Ach
Sept
North
Goa
South
State
Agri Crop Loans
41.26
14.90
56.16 25
92.55
65.87
158.42
67%
Agri Term Loan
80.51
41.12
121.63 58
60.28
50.47
110.75
42%
Sub Total Agri
121.77
56.02
177.79 41
152.83
116.34
269.17
53%
Industries
61.59
769.51
*831.10
285
149.31
105.15
254.46
86%
OPS
747.97
420.54 93
775.04
822.48
100%
Total
931.33
109
88%
* Due to reporting of NPS data
91st SLBC Goa meeting dated

8. PRIORITY SECTOR ADVANCES POSITION AS ON 30.09.2015
As on PSA is Rs crs. which is 41% of total adv.
The %age of PSAs continues to be above bench mark of 40%
Adv. To Women: 11.36% as against bench mark of 10%
Benchmark targets which needs attention:
DIR advances
Weaker sections of society
Advances to SC/ ST
Lending under AGL advances
91st SLBC Goa meeting dated

9. C:D RATIO POSITION AS ON 30.09.2015
The advances level as on was Rs. 17, cr. with an increased of Rs cr. over the Sep levels of Rs.15, cr. The deposit level as on being at Rs. 58, cr. has increased by Rs cr. over Sept level of Rs. 49, cr.;
The C:D ratio as on is 30% which is below the bench mark level of 40% in line with the previous quarters;
The major reason for the trend in C:D ratio where there has been increase in deposits of over Rs crs however increase in advances of Rs crs
91st SLBC Goa meeting dated

10. HOME LOANS : EDUCATION LOAN: During the qtr.
2926 HLs sanctioned agg. Rs crs during the quarter ending as against Rs crs in the previous quarter ;
Outs. as at : 49,711 accounts agg. Rs crs
EDUCATION LOAN:
During the quarter:
103 ELs sanctioned agg. Rs crores for studies in India;
9 ELs sanctioned agg. Rs 2.03 crore for studies abroad;
The position as at end of :
2862 ELs sanctioned agg. Rs crores for studies in India;
290 ELs sanctioned agg. Rs crore for studies abroad;
91st SLBC Goa meeting dated

11. KISAN CREDIT CARDS (KCC) POSITION AS ON 30.09.2015
KCC sanctions:
During qrt. Sept. 2015: 1819 agg. Rs crs. as against Rs crs in the previous quarter
Agg. Outs. in 10,653 accounts Rs crs.
91st SLBC Goa meeting dated

12. SELF HELP GROUP (SHG) as on 30.09.2015
(Nos. in actual & Amt in Crs.)
Particulars
North Goa
South Goa
Goa State
Total No. of SHGs
2909
2663
5572
Total Deposits of SHGs
36.35
20.25
56.59
Total Loans outstanding of SHGs
14.99
7.77
22.76
No. of SHGs credit linked (during to )
1171
580
1751
Limits sanctioned
(during to )
12.89
4.77
17.66
To be credit linked
1738
2083
3821
91st SLBC Goa meeting dated

13. AGENDA ITEM No. V - Financial Inclusion …….
PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA (PMJJBY)……
PRADHAN MANTRI SURAKSHA BIMA YOJANA (PMSBY)…..
ATAL PENSION YOJANA (ABY)……
The schemes launched by Hon. Prime Minister on 9th May, 2015 at Kolkata ;
The progress under sourcing of applications :
PRADHAN MANTRI JAN DHAN YOJANA:
Scheme
Upto
Cases Settled No
Amt (in Lacs)
PMJJBY
104685 -
PMSBY
216066 2
4.00
APY
3801
Accounts Opened
1,24,270
Aadhaar Seeding in %age terms
67.30
Average Balance in the accounts (in Rs.)
3,352
Rupay Cards Issued
1,20,193
PIN Mailer Pending
32,116
Accounts with zero balance in %age terms
19.80
91st SLBC Goa meeting dated

14. AGENDA ITEM No. V - Financial Inclusion …….
Video Conference was held by the Department of Financial Services, Ministry of Finance, Govt. of India on headed by the Secretary Finance. The important agenda items were:-
Rupay Card activation limit has been extended from 45 days to 90 days. Activation of Rupay Card should be done while delivering PIN.
Bank Branches to hold camps for delivery of PIN mailers and activation of RuPay cards. 80% cards to be activated by March end.
Efforts to be made for converting accounts with zero balance in to deposit accounts.
Efforts to be made to make all the inactive Bank Mitras active and to ensure that Bank Mitra wear the prescribed dress kit. They should be provided with literacy material in local language.
Adoption of School/ITI should be completed and Financial Inclusion training to be provided to students by December end.
Financial Literacy Centers to be activated. The literacy material should be in local language.
Mapping of Skilling Institutions of State Govt. with FLC. The list will be sent by DFS.
Disbursement under PMMY to be improved by financing ITI passouts.
As the initial Subsidy of Rs under APY by the Government is available only upto all banks should observe Log In week between 14th-19th December 2015
91st SLBC Goa meeting dated

15. AGENDA ITEM VI REVIEW OF GOVT. SPONSORED SCHEMES / PROGRAMME
S. No.
Scheme
Target
Position as on
Sponsored
Sanctioned
Rejected
Pending 1
PMEGP – DIC
104
(496.96) 18
(126.15)
(2.12)
(348.70)
PMEGP – KVIC 47
PMEGP - KVIB
110
(508.91)
(73.05)
(62.69)
(373.17)
PMEGP TOTAL
261
( )
(199.20)
(64.81)
(721.87) 2
NULM
Not allotted 3
NRLM
525 -
91st SLBC Goa meeting dated

16. AGENDA ITEM NO VII : MSME SECTOR Position as on 30.09.2015
1688 Working Capital loans aggregating to Rs crores have been sanctioned during the quarter ending ;
The restructuring of loans has been sanctioned in 562 accounts with aggregate limit of Rs crores;
Credit flow to MSME sector for the quarter ended Sept is enclosed as Annexure VII;
91st SLBC Goa meeting dated

17. AGENDA ITEM NO VII : MSME SECTOR
PROGRESS UNDER PRADHAN MANTRI MUDRA YOJAN (PMMY)
As on Rs crores have been disbursed to 14,778 enterprenures under PMMY. The schemewise breakup is as under:
(Rs. in crs.)
Shishu
Kishore
Tarun
(upto Rs..50,000)
(Rs.50,001 to Rs.5 lac)
(Rs.5.00 lac to Rs. 10 lac)
No. of A/cs
Disbursed Amt
9648
28.41
3982
99.81
1148
57.64
91st SLBC Goa meeting dated

18. AGENDA ITEM NO VII : MSME SECTOR
PROGRESS UNDER OTS SCHEME FOR BORROWERS
AFFECTED BY BAN ON MINING:
As on total 2574 Applilcations sanctioned by 24 Banks for Rs crores. Out of which release of Rs cr. have been made to 950 applicants. Total 737 applications are pending for Rs crores, detailed report enclosed as Annexure-VIII.
91st SLBC Goa meeting dated

19. AGENDA ITEM NO. VIII CREDIT FLOW TO MINORITY COMMUNITIES (Rs
AGENDA ITEM NO. VIII  CREDIT FLOW TO MINORITY COMMUNITIES (Rs. in Crores)
S. No.
Particulars
As on i.
Total Priority Sector Advances
ii.
Adv. to minority communities
iii.
% adv. to minority community
26%
21%
25%
91st SLBC Goa meeting dated

20. CREDIT FLOW TO MINORITY COMMUNITIES
Advances to minority communities have increased by Rs crores during Sept Qtr;
The advances to minority communities as % age of total PSAs was 26% as on which is above the BENCHMARK of 15%.
The statement showing Priority Sector Advances to Minority Community for the quarter ended is enclosed as Annexure-IX.
91st SLBC Goa meeting dated

21. AGENDA ITEM IX STEERING SUB-GROUP MEETINGS OF SLBC
Steering Sub Group (SSG)
Meeting held on
Minutes enclosed as
Priority Sector Lending
Annexure-X
Self Help Groups
Annexure-XI
Government Sponsored Scheme
Annexure-XII
Financial Inclusion
Annexure-XIII
91st SLBC Goa meeting dated

22. AGENDA ITEM NO. X : LEAD BANK SCHEME   SERVICE AREA MONITORING & INFORMATION SYSTEM (SAMIS)
The percentage of submission of Lead Bank Returns is as under:
Returns
LBR 2
84%
85%
80%
95%
LBR U2
LBR 3
77%
72%
94%
LBR U3
91st SLBC Goa meeting dated

23. AGENDA ITEM NO. XI : OTHER MATTERS OF IMPORTANCE
1/2
START-UP INDIA PROGRAMME
RBI Mumbai vide their letter FIDD.MSME&NFS.No./ / dated 19th October 2015 advised that:
The Prime Minister of India on the eve of Independence Day launched ‘Start-up India Programme’ to disburse loans for start-ups to the ‘Tribal’ in the locality where there is any tribal habitation. Where there is no tribal habitation banks can provide loans to ‘Dalit’ or a ‘Tribal’, give financial support to them and thus 1.25 lakh Dalit Entrepreneurs to come up.
Banks are therefore advised to take appropriate action to implement the directions of the Honorable PM for extending credit to Tribal/Dalit/Women Entrepreneurs through each of their branches (Annexure-XIV).
91st SLBC Goa meeting dated

24. AGENDA ITEM NO. XI : OTHER MATTERS WITH PERMISSION OF THE CHAIR PERSON
2/2
POWER POINT PRESENTATION
Two Power Point Presentation, one by Chief Executive Officer, Investment Promotional & Facilitation Board, Goa and other by Regional Chief, Housing Urban Development Corpotation Limited, Banglore have been arranged for information of the member banks.
91st SLBC Goa meeting dated

25. THANK YOU
91st SLBC Goa meeting dated