- 1 - ABBREVIA TIONS USED IN THE BOOKLET SL. NO. ABBREVIATION EXPANSION 1. ALB ALLAHABAD BANK 2. BOB BANK OF BARODA 3. CBI CENTRAL BANK OF INDIA 4. FED FEDERAL BANK LIMITED 5. IND INDIAN BANK 6. IDBI INDUSTRIAL DEVELOPMENT BANK OF INDIA LTD. 7. PSB PUNJAB & SIND BANK 8. PNB PUNJAB NATIONAL BANK 9. SBI STATE BANK OF INDIA 10. UBI UNITED BANK OF INDIA 11. UCO UCO BANK 12. VJB VIJAYA BANK 13. NRB NAGALAND RURAL BANK 14. NSCB NAGALAND STATE CO-OPERATIVE BANK 15. SIDBI SIDBI 16. AXIS AXIS BANK 17. ICICI ICICI BANK 18. SYN SYNDICATE BANK 19. NABARD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Transcript
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ABBREVIA TIONS USED IN THE BOOKLET
SL. NO. ABBREVIA TION EXPANSION
1. ALB ALLAHABAD BANK
2. BOB BANK OF BARODA
3. CBI CENTRAL BANK OF INDIA
4. FED FEDERAL BANK LIMITED
5. IND INDIAN BANK
6. IDBI INDUSTRIAL DEVELOPMENT BANK OF INDIA LTD.
7. PSB PUNJAB & SIND BANK
8. PNB PUNJAB NATIONAL BANK
9. SBI STATE BANK OF INDIA
10. UBI UNITED BANK OF INDIA
11. UCO UCO BANK
12. VJB VIJAYA BANK
13. NRB NAGALAND RURAL BANK
14. NSCB NAGALAND STATE CO-OPERATIVE BANK
15. SIDBI SIDBI
16. AXIS AXIS BANK
17. ICICI ICICI BANK
18. SYN SYNDICATE BANK
19. NABARD NATIONAL BANK FOR AGRICULTURE
AND RURAL DEVELOPMENT
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2
1
3
5
6
7
8
910
11
4
1. Kohima 2. Dimapur 3. Phek 4. Peren
5. Wokha 6. Zunheboto 7. Kiphire 8. Tuensang
9. Longleng 10. Mokokchung 11. Mon
DISTRICTS OF NAGALAND STATE
Map not scale
ARUNACHAL PRADESH
NA
GA
LA
ND
N
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STATE PROFILEState : Nagaland
Nagaland the sixteenth state of Indian Union formed on 1st December 1963 byamalgamation of the erstwhile Naga Hill District of Assam and Tuensang Area which wasunder a separate administrative control.
Location : - Located between 25060/ & 27040/ North latitude and 93020/ & 95015/ East Longitude.
Boundary:- North & West : Bounded by Assam
East : Bounded by Myanmar and Arunachal Pradesh
South : Bounded by Manipur
Area :- 16579 sq. km.
Population :- Males : 10,47,141
(As per 2001 Females : 9,42,895
Census) Total Population : 19,90,036
Rural :- Males : 8,59,716
Females : 7,87, 533
Total Rural Population : 16,47,249
Urban :- Males : 1,87,425
Females : 1,55,362
Total Urban Population : 3,42,787
Topography :- Nagaland is hilly interspersed with ridges and valleys. The altitude varies between 110
to 3840 metres above sea level.
Physical Features :-
a) Climate & Rainfall : The climate of the state is bracing and healthy. Summer
temperature ranges from 7 to 23 degree Celsius. The average annual rainfall ranges
from 200 to 280 cms.
b) Agro-Climatic Zones : The State falls under the Mid-Tropical Hill Zone category of
Agro-Climatic Zonal Classification with further sub-classification into three distinct
geogriphical regions - (i) High Hill Areas with lateritic soils and non-laterised red soils.
(ii) Lower Hill ranges of brown forest soils and podzolic soils and (iii) Foothills/Valleys
with recent alluvium, old alluvium and mountain soils.
c) Soils : Soils of Nagaland are derived from Tertiary rocks belonging to the Barail and
Disang series. The Barails consist of alternating layers of sandstones and shales with
carboniferous intrusions or even coal seams. The underlying Disang series represent
unfossiliferous shales, slates and phylites. Soils are acidic and very rich in organic
carbon but poor in phosphate and potash content.
d) Forest Cover : The forest in Nagaland may be classified under three types: (i)
Tropical Wet evergreen forests (ii) Tropical Semi evergreen forest and (iii) Montane
Sub-Tropical Pine forests. Tropical Wet evergreen forest with valuable evergreen timber
species in the top canopy with bamboos occurring abundantly is most important in
terms of commercial exploitation.
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Demographic Features :- Nagaland has a predominant tribal population generically refferred to as
Nagas with several tribes and sub-tribes and clans ets. speaking diverse dialects
specific to each tribe. The major tribes of Nagaland are Angami, Ao, Chang, Chakesang,
Khiammungan, Konyak, Lotha, Phom, Rengma, Sangtam, Sumi, Zeliang and a few
mixed tribes such as Kacharis, Mikirs and Gorkhas.
Status of Human Resources :- The population of the state as per the 2001 census is 19.90 lakhs
consisting of 10.47 lakhs males and 9.43 lakhs females. The rural population constituted
82% of the total population. The population below poverty line stands at 6.51 lakhs
constituting 32.70% of the total population. The population density in the state is 120
persons per sq. km. The literacy level is 67%.
Occupational Pattern :- Agriculture continues to be the main occupation of the people engaging nearly
68% of workers. A small segment of the population are engaged in weaving, Blacksmithy,
Handicrafts and other small village industries as part-time occupation.
System of Land Ownership :- In Nagaland the problem of fragmentation of land holdings is not an issue
on account of the peculiar pattern of land - ownership, tenure and use prevalent in the
state. There are no larger holdings and intermediary rights are hardly in existence. A
small area of about 259 sq. km. in Dimapur Mouza has been cadastrally surveyed. In
the rest of the state there has been no cadastral survey and systematic land record of
rights. The only legal framework is the Jhum Land Regulations Act. 1970. The ownership
of land and the individual rights are governed by customary laws of the community.
Economic Indicators :- The Gross State Domestic Product for the year 2002-03 is estimated at Rs.
2587.98 crore with a per capita income of Rs. 11,367. The Infrastructure Development
Index for the State stands at 71 against the all India average of 138.
Power :- The State still suffers from a shortfall in it’s generation of power.Against the present
requirement of 60MW, the State’s own generation is 6.12 MW only. The shortfall is
presently met through purchases from Manipur, Meghalaya and Assam.
Transport & Communication :- Out of total road length of 18,536 Kms only 5241 Kms are surfaced. The
proportion of unsurfaced roads to total roads is 71.45%. The road density per 1000 sq.
kms. is 1107.12. 113 Kms of National Highway run through the state, while 398 Kms. of
roads represents State Highway.
Irrigation :- At present there are no Medium or Large irrigation projects in the State. The potential
for irrigation is estimated at 165000 Ha.
Agriculture :- Agriculture is the backbone of the economy of Nagaland and the source of employment
for majority of it’s inhabitants. About 68% people are engaged in agriculture. An important
feature of Agriculture in the state is Jhumming or shifting cultivation.
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STATE : NAGALANDAVERAGE POPULATION PER BANK OFFICE
DISTRICT - WISEAS PER 2001 CENSUS
Name of Dist. No. of Bank Office Population APPBO
AS ON 31-12-2010
Dimapur 35 309,024 8,829
Kohima 22 219,318 9,923
Mokokchung 13 232,085 17,852
Mon 5 260,652 52,130
Phek 9 148,195 16,466
Tuensang 5 210,877 42,175
Wokha 8 161,223 20,152
Zunheboto 7 153,955 21993
Kiphire 2 82,360 41,180
Peren 3 90,766 30,255
Longleng 1 121,581 1,21,581
Total 112 19,90,036 17,768
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STATE LEVEL BANKERS’ COMMITTEE FOR NAGALAND
AGENDA
FOR THE SLBC MEETINGFOR THE QUARTER ENDED DECEMBER 2010
Date: 15.03.2011
1. Adoption of the minutes of last SLBC meeting held on 17-12-2010.
2. Action points emerged in the last meeting and action taken thereon.
3. Review of performance under Annual Credit Plan (ACP) 2010-2011
4. CD ratio-Review of position.
5. Review of performance under Govt. Sponsored Schemes and KCC, GCC & SHG
6. Review of progress :
a. Providing Banking Services by engaging Business Correspondents (BC) inevery villages having population over 2000.
b. Opening of bank branches in unbanked blocks.
7. Allotment of land for setting up of RSETIs.
8. Recovery performance of Banks.
9. Security position of banks and other related problems, if any.
10. Any other issue with the permission of the Chair.
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AGENDA ITEM NO. 1
CONFIRMATION OF THE MINUTES OF THE LAST SLBC MEETING:
The minutes of the last State level Bankers’ Committee meeting held in Dimapur on 17-12-2010
were circulated to all members vide letter no.AGM/LB/169 dated 05-02-2011. As no
amendments/suggestions have been received, the minutes may please be treated as read &
confirmed. A copy of minutes of last meeting is enclosed at Annexure-I.
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AGENDA NO 2.
Review of action points of last SLBC Meeting dated 17-12-2010:
Sl.
No
Action points Action by Action Taken
1. IT based Financial Inclusion
involving use of Smart Cards /
Mobile Technology to be adopted
by banks to achieve greater
outreach.
All
Banks/BSNL
State Govt.
It is reported by most of the
banks that they have initiated the
process for IT based Financial
Inclusion involving use of Smart
Cards/Mobile Technology/Bio-
metric devices and expected to
make substantial progress by
March 2011
2 Extension core Banking / ATMs /
Internet Banking facilities and
Improvement in IT functioning
All
Banks/BSNL
Seventy-four(74)core branches
and 66 ATMs in Nagaland as on
31.12.2010. Internet Banking
/Mobile Banking facilities are also
available in all CBS branches.
3 All Banks to achieve the target
under ACP 2010-11
All Banks Achievements upto 31.12.2010 was
58.28% of target. All banks have
been advised to workout
strategy/plan, keeping in mind the
target to be achieved by
31.03.2011.
4 Banks to implement various
NABARD Subsidy Link Centrally
Sponsored Schemes, formulated
by Govt. of India.
All Banks/
Nabard
Convener Bank advised the
target to all member banks
and requested to implement
the scheme in true sprit.
Copy of circular /guidelines
forwarded to all banks, and
also appended in SLBC
booklet. (Annex-II)
5 Credit portfolio of all the banks in
the state should be increase and
thereby increase CD Ratio at least
up to 40%
All Banks Overall CDR is 31.24 % as on
December,2010. Bank-wise
position of CDR is shown in
Page No. –20 to 23 of this
booklet
6 Finance Department (GON) to
issue General Circulars/ advisory
that Govt.Funds/deposits should
be with PSBs only who are
participating in PS lending.
State Govt./
Finance Dept.
State Government may look
into the matter and consider
issuing of necessary advisory
/ directives.
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7 For setting up of RSETI, State
Government should immediately
allot land to the banks to
establish RSETI at the proposed
centres.
State Govt. Convener bank issued letter
to State Government for
immediate allotment of land
to the respective banks to
enable them to initiate the
process for establishment
of RSETIs at the proposed
centres.For more detail
please see Agenda No. 7
page no. 9
8 To constitute SLBC Sub-
Committee to overlook the
infrastructure availability for
opening bank branch in unbanked
blocks
SLBC
Convener
RBI/State
Govt.
While 6 identified block out
of 21 unbanked blocks,
reportedly have necessary
infrastructure to start a
bank branch, we have, in
view of paucity of time,
deputed CM (Lead Bank) to
visit these blocks and
report their findings. The
gist of their report is
placed in the booklet.
9 To inform the SLBC Convener
the decision taken by the bank
on re-opening of Changtongya
Branch
Allahabad
Banks.
SLBC Convener is yet to
receive any response from
Allahabad Bank.
Allahabad Bank is to apprise
the latest development.
10 Providing Banking Services in
every villages having population
of over 2000 by March, 2011-
Progress report
All Banks. Most of the banks have
initiated process in engaging
Business Correspondents
(BCs) in allotted villages and
significant progress is
expected in the next few
months.
11 Report on participation of
Sponsoring Agencies/Nodal
Agencies in Recovery of Bad
Loans to SLBC
CMs
Lead Bank
Report appended in the
booklet.
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CONSOLIDATED REPORT ON JOINT RECOVERY DRIVE
The feed back received from the Chief Managers (lead Bank) of different districts on theJoint Recovery Drives carried out up to the quarter ended December 2010 by the Bankbranches with the Sponsoring Agencies is not encouraging. As reported, Joint Recovery Driveswere conducted in Kohima District on 20 occasions and only once in Mon District. An amount ofRs.3.39 lacs and Rs.0.05 lac only could be recovered at Kohima and Mon Districts respectively,which is not up to the desired level, In other district, no such recovery drive was organizeddespite our regular liaison with the concerned department. Deputy Commissioner andSuperintendent of Police, Dimapur has, however, spearheaded a drive and assisted banks inrecovery from some recalcitrant SME borrowers.
Many bank branches are not submitting the list of defaulters to the sponsoring agencies forrecovery of bank’s dues. The role of sponsoring agencies also is not encouraging in organizingsuch recovery drives with bank branches. On several occasions the matter has been discussedin the DCC / SLBC meetings so that the process of joint recovery drives are reactivated. WhileDeputy Commissioners are personally taking interest but their initiatives are petering out atthe implementation level.
Recovery of loans has become a major problem for the Banks, particularly in Governmentsponsored schemes. This deters the bankers from financing under various schemes. Consideringthe gravity of the situation, Government of Nagaland has advised all DPDB Chairman andDeputy Commissioners to include “Recovery of Loans” as an important agenda in DPDB Meetings.Accordingly, the issue was taken up by all the LDMs in the DPDB Meetings to improve theposition. “Recovery Co-ordination Committee” have been constituted in many districts and bankbranches have been advised to submit the list of defaulters under various Government sponsoredschemes to the concerned sponsoring agencies.
AGENDA NO. 3
Review of performance under Annual Credit Plan (ACP) 2010-11Performance as on 31.12.2010, under Annual Credit Plan 2010-11: (‘ in lacs)
Sector Target Achievement %
Agri & Allied 6665.68 2726.54 40.90
SSI 3961.01 2128.20 53.73
Other priority 9475.67 3855.28 40.69
Total Priority (Sub total) 20102.36 8710.02 43.33
Non-priority 27175.38 18843.01 69.33
Grand Total 47277.74 27553.03 58.28
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i) The disbursement under Agri & Allied sector is 27.27 crores upto December 2010 asagainst the annual target of ‘ 66.66 crores.The achievement upto the quarter end is 41% ofannual target. Performance of some banks is below par specially in KCC and Self Help Groupwhere there is no credit linkage. Department of Agriculture & Animal Husbandry requested tohelp the bankers by providing list of eligible & interested farmers for financing under KCC/Dairy/Piggery/Poultry Scheme. The enhancement limit of collateral free loans from existinglevel of 50000/- to 100000/- should be utilized for increasing coverage under Agricultureloans.
ii)The disbursement of 21.28 crores have been made under Industry sector uptoDecember2010.The achievement of ACP under industries sector at the end of the quarter is54%.The disbursement under Other Priority Sector was 38.55 crores i.e. 41% of annualtarget.
iii) The overall achievement under Annual Credit Plan 2010-11 as on December 2010 was 275.53 crores as against the annual target of ‘ 472.78 crores which is 58%. During last
quarter of the financial year, all banks are to focus more care and attention in achieving ACPtargets set for 2010-11.
iv) The summary statement showing Institution- wise sector- wise performance under ACP2010-11 for the quarter ended 31.12.2011 presented in Table No.1 page No. 17of the booklet.
AGENDA NO. 4
CD Ratio- Review of Position
The CD Ratio of the State as on 31.12.2010 was 31.24%. The CD Ratio has marginally increasedover September 2010 (31.22%). Low CD Ratio of 4 major banks i.e. Allahabad Bank (14.46%),Bank of Baroda (14.64%), Axis Bank (11.62%) and Vijaya Bank (18.57%) is not acceptable.Need some concrete plan to step up the CD Ratio.
The statistical information regarding total deposits, total advances and CD Ratio are presentedin the booklet table no.4, 5 &6 (Page No. 20 to 23)
AGENDA NO. 5
Review of Performance under Government sponsored schemes and KCC,GCC & SHG
PMEGP 2009-10
As on 31-12-2010 against the target of 358 for the year 2009-2010, 322 proposals have beenreceived. Banks have sanctioned 275 proposals against 322. A huge backlog of PMEGP proposalshad been cleared by the banks and the performance of the banks were quite impressive duringthe quarter under review.
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PMEGP 2010-11
PMEGP target set for the programme year 2010-2011 is 610 for the State of Nagaland 295proposals have been received by the banks. Sponsoring of applications was tardy and huge loadhas been stacked for the last quarter of the year.While all banks have been advised to go ahead with the process of sanction and disbursementbut achievement of target within the stipulated time could be possible if applications aresourced by Sponsoring Agencies well in time.
Bank-wise performance as on 31-12-2010 shown in Table No. 16 & 16A (Page No. 32).
SGSY, SJSRY:
The performance under SGSY and SJSRY for the target year 2008-2009 and 2009-2010are shown in Table No. 9-10 and 13-14 (Page No. 25 & 30).
Concerned sponsoring agencies are requested to advise the target for the year 2010-11 to theLead Bank immediately followed by sponsoring of application.
Review of Performance under KCC, GCC and SHG:
KCC: As on 31.12.2010 against the target of 10800 cards for the year2010-11, banks issuedonly 3943 cards, thereby achieving 36% on the target. Amount sanctioned for 3943 cards was
935.44 lacs. Despite target many banks were total non-performer. Need for Controller tomonitor.In order to create an enabling environment Government may consider empowering VillageDevelopment Boards to be guarantors for agricultural loans where there is no land patta.Please refer Table No. 22 (Page No. 35).
GCC: Only 46 cards have been issued during the quarter under review bringing total cardissued upto the quarter 867. Banks are urged to actively take up to achieve the target well intime.(Table No. 25, page No. 37).
SHG: Under credit linkage 729 SHGs were sanctioned 473.92 lacs as on 31.12.2010.. 344women beneficiaries were sanctioned ‘ 167.80 lacs under SGSY and 278 women beneficiarieswere sanctioned 253.05 lacs under Direct SHGs.(Table No. 28, page No. 38).
AGENDA NO. 6
Review of Progress of Implementation of Financial Inclusion in the State with specialfocus on:
a. Providing Banking services by engaging BCs in every villages having population ofover 2000.
There are 196 unbanked villages in the State having “Population of over 2000” as per2001 census. Road map for providing Banking Services in every villages having populationof over 2000 has already drawn up and is placed in the Annexure- (with slightmodification).
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Till the end of the quarter no bank had engaged Banking Correspondents in the States.However, most of the banks have initiated process in engaging BCs in allotted villagesand significant progress is expected in the next few months.
b. Opening of Bank branches in unbanked blocks.
State Government has issued notification in this regard for initiation process for openingbank branches in the identified 6(six) un-banked blocks. The six blocks are:1. Kobulong (Mokokchung), 2. Noksen (Tuensang), 3.Tizit (Mon), 4. Pungro (Kiphire), 5.
Tenning (Peren) and 6. Niuland (Dimapur).
A meeting was convened by SLBC convener on 8th.March 2011 to obtain the feedback onpreparedness of the Banks in setting up branches in the identified block, A minute ofthe meeting is placed as annexure in the booklet.
Allocation of these blocks amongst banks shall be decided by the Reserve Bank ofIndia. Reserve Bank of India may apprise the present status.
AGENDA NO. 7
Setting up of RSETI in the Districts:
SBI has initiated the process for establishment of RSETI at Peren District and a plot of landhas been allotted by the District Authorities. Similarly, in Phek District also the DistrictAuthority is likely to allot a plot of land which was earlier earmarked for DRDA for startingRSETI thereat. We are hopeful of having RSETI in these two district in a few month.
Meanwhile Vijaya Bank and Bank of Baroda had informed the Convener Bank expressing theirinability to open RSETI in the Districts allotted to them during the last SLBC meeting held on28th of July 2010. Copy of the letter received from Vijaya Bank and Bank of Baroda isenclosed as annexure in the Background paper for ready reference.
Allahabad Bank and Axis Bank may appraise the house of the developments in this matter.
AGENDA NO. 8
Recovery Performance of Banks:
Recovery of loansA) Government Sponsored Scheme (GSS)
Scheme Recovery Percentage
as on 31.03.2010
Recovery Percentage
as on 31.12.2010
Refer Table No.
(For 31.12.2010)
PMRY 2.74 3.12 29
SGSY 13.54 12.29 30
SJSRY 7.45 7.65 31
KVIC 30.60 7.75 32
PMEGP 0 16.76
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B) Bank Regular Schemes (BRS)
Scheme Recovery Percentage
as on 31.03.2010
Recovery Percentage
as on 30.09.2010
Refer Table No.
(For 30.09.2010)
Agriculture 25.78 22.68 33
Industries 28.69 21.89 34
Services/OPS 30.70 30.05 35
Recovery of loan has become a major problem for the banks particularly in GovernmentSponsored Schemes, in some cases; recovery percentage is not even 5%.The sponsoringagencies are requested to extend their helping hands in recovery of bad loans.
The declining percentage of recovery is cause of concern. All the banks are advised toprovide the list of NPA accounts to sponsoring agencies for seeking their help in recoveryof over dues under various Govt.sponsored scheme.
AGENDA NO. 9
Security position of Banks and other related problems:
Two SBI ATMs were vandalized at Kohima centre. 1 near Oking Hospital and the other one atBara Basti. The first one was broken open on the Saturday night on 16th January 2011 and theother one on quick succession on 28th January to steal cash loaded in it. As break opening ofATM machines were not successful in disgust, ATM machines were vandalized and displayscreens were damaged. Similar incidents of vandalism at ATM were reported at some othercenters like Dimapur. Besides, reports have been received for looting of cash while in transitand during replenishment of ATMs. A full discussion will however take place in State LevelSecurity Committee (SLSC) meeting being convened by RBI on 28th March 2011 at Kohima.
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AGENDA NO. 10
Any other issue with the permission of the Chair:
Corporate Social Responsibility (CSR) Programme under taken by Banks:
During the last SLBC Meeting held on 17th December,2010, the Chairman Shri I.H.ZhimomiIFS, Commissioner & Secretary(Planning, Tourism & Art & Culture) Government of Nagaland,suggested that member banks may seriously consider going beyond their commercial activityand take up a few Corporate Social Responsibility (CSR) project for socially and economicallyexcluded segments of the population.
SLBC has accordingly appealed to all member banks by suitable communication to take up atleast one project quarterly.Towards this and keeping with its on-going initiative, State Bank of India had undertaken fewprojects like,a) Donating a Maruti Van to Kohima Old Age Home under Good Samaritan Women Society,Kohima.b) Bank has adopted Girl Children @ 6000/- per girl per annum for their education all overthe State.
Other member banks may apprise the house of the initiatives taken, if any by them in thisregard.
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PERFORMANCE OF BANKSUPTO THE QUARTER ENDED
DECEMBER 2010(STATISTICAL INFORMA TION)
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Target Achieved Target Achieved Target Achieved Target Ach ieved%
Footnote : District wise break up of fund allocation was received for nine DRDAs only but no separate allocation is indicated for DRDA Wokha and Mokokchang. Therefore to tally with the total fund allocation the balance is worked out at SL No *
DISTRICT WISE ALLOCATION OF CREDIT TARGET UNDER SG SY FOR 2010-11
STATE: NAGALANDTable No.12
TOTAL
ZUNHEBOTO
KIPHIRE
LONGLENG
PEREN
MON
PHEK
TUENGSANG
WOKHA
DISTRICTS
DIMAPUR
KOHIMA
MOKOKCHUNG
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Table No.12A
No of Financial No of Financial No of Financial No of Financial No of Financial No of Branches Target Branches Target Branches Target Branches Target Branches Target Branches
DISTRICT WISE /BANKWISE DISTRICT WISE /BANKWISE DISTRICT WISE /BANKWISE DISTRICT WISE /BANKWISE
TARGET ALLOCATION OF SGSY SCHEME FOR THE YEAR 2010- 2011
BANKS
No of Financial No of Financial No of Financial No of Financial No of FinancialBranches Target Branches Target Branches Target Branches Target Branches Target
Footnote : District wise break up of fund allocation was received for nine DRDAs only but no separate allocation is indicated for DRDA Wokha and Mokokchang. Therefore to tally with the total fund allocation the balance is worked out at SL No *
SL NO
NAME OF DRDA
CODE NO
PHYSICAL TARGET UNDR ER SGSY DURING 2010-2011
TOTAL SHGs TO
BE ASSISTED
MEMBERS TO BE ASSISTED MEMBERS TO BE ASSISTED MEMBERS TO BE ASSIST
QTRLY. TARGETED OF SHG QTRLY. TARGETED OF SHG NO.IND.SWARGARIS
for the credit facility extended by the bank inview of non-availability of individual land records, th e state government to
look in to the difficulties faced by the banks as w ell as by the borrowers. State Govt may initiate ca dastral survey planfor the land holding in the state.
Semi Urban Semi Urban RuralRuralDisbursement during the quarter Outstanding at the e nd of quarter Total Outstanding
Table No 41 STATE : NAGALANDBANK FINANCE FOR HOUSING SCHEME AS ON 31.12.2010
FOOTNOTE: Problem in obtaining collateral security of landed property( and also difficulties faced by the borrwersin the state
11 ADVANCE TO WOMEN BENEFICIARY OF WHICH 18517.96 23143.90COMMERCIAL BANKS 18262.47 23143.90REGIONAL RURAL BANKS 255.49 0.00CO-OPERATIVE BANKS 0.00 0.00
12 ADAVANCE TO MINORITY COMMUNITY OF WHICH 38182.88 48095.87COMMERCIAL BANKS 38176.28 48095.87REGIONAL RURAL BANKS 6.60 0.00CO-OPERATIVE BANKS X 0.00
13 RECOVERY TO DEMAND % (PS) OF WHICH 24.95 26.28COMMERCIAL BANKS 25.04 27.33REGIONAL RURAL BANKS 52.49 45.95CO-OPERATIVE BANKS 11.71 7.94
14 ADVANCE TO SSI SECTOR OF WHICH 11104.15 12535.30COMMERCIAL BANKS 11078.68 12500.03REGIONAL RURAL BANKS 25.47 35.27CO-OPERATIVE BANKS x 0.00
15 % OF SSI ADVANCE TO TOTAL ADV. OF WHICH 8.25 9.11COMMERCIAL BANKS 8.28 9.70REGIONAL RURAL BANKS 2.92 3.40CO-OPERATIVE BANKS x 0.00
TABLE NO :: 50( CONT…)BANKING PROFILE :: STATE OF NAGALAND AS ON 31.12.20 10
Rs in lacs
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No. of Villages alloted to each bank in the State NAME OF THE BANK: STATE BANK OF INDIA
BRANCH SATELLITE BR.
ANY OTHER FROM OF ICT
1 KOHIMAKADINO BC 31/03/2011NSUNYU BC 31/03/2011TESOPHENYU BC 31/03/2011ZIZUNYU BC 31/03/2011K.STATION BC 31/03/2011KHUZAMA BC 31/03/2011VISWEMA BC 31/03/2011KIGWEMA BC 31/03/2011PHESAMA BC 31/03/2011JOTSOMA BC 31/03/2011CHEDEMA BC 31/03/2011
2 PHEKCHAZUBA BC 31/03/2011YARUBA BC 31/03/2011DZULHAMI BC 31/03/2011RUZAZHO BC 31/03/2011THEVOPISU BC 31/03/2011TEKHOUBA BC 31/03/2011ZHAVAMI BC 31/03/2011PORBA BC 31/03/2011CHIZAMI BC 31/03/2011THETSUMI BC 31/03/2011KHEZHAKENO BC 31/03/2011PHESACHODU BC 31/03/2011OLD PHEK BC 31/03/2011LOSAMI BC 31/03/2011
3 KIPHIREPHELONGER BC 31/03/2011ANATANGER BC 31/03/2011KISETONG BC 31/03/2011KIPHIRE VILLAGE BC 31/03/2011SITIMI VILLAGE BC 31/03/2011THANGTHUR BC 31/03/2011SEYOCHUNG BC 31/03/2011PHISAMI BC 31/03/2011CHOMI BC 31/03/2011SALOMI BC 31/03/2011ZIMKLUR BC 31/03/2011
STATE : NAGALANDROAD MAP FOR PROVIDING BANKING SERVICES IN ALL THE VILLAGES ALLOTED TO
THE BANKING POPULATION OF OUR 2000 BY MARCH 2011
SL NO
NAME OF VILLAGE WHERE BANKING SERVICE TO
MODE OF PROVIDING BANKING SERVICES PROPOSED DATE FOR OPENING
NAME OF THE DISTRICT
ANNEXURE
- 54 -
No. of Villages alloted to each bank in the State NAME OF THE BANK: STATE BANK OF INDIA
BRANCH SATELLITE BR.
ANY OTHER FROM OF ICT
4 ZUNHEBOTOA/SAGHIMI BC 31/03/2011SURUMI BC 31/03/2011
5 WOKHAWOKHA VILLAGE BC 31/03/2011REPHYIM NEW BC 31/03/2011CHANGSU OLD BC 31/03/2011REPHYIM OLD BC 31/03/2011YIKHUM BC 31/03/2011LONGSALHUNG BC 31/03/2011NIROYO BC 31/03/2011HUMTSO BC 31/03/2011MERAPANI BC 31/03/2011LAKHUTI BC 31/03/2011
6 LONGLENGAOCHING BC 31/03/2011HAKPANG BC 31/03/2011BHUMNYU BC 31/03/2011ORANGKONG BC 31/03/2011PONGCHING BC 31/03/2011PONGO BC 31/03/2011SAKSHI BC 31/03/2011YAONG BC 31/03/2011YONGPHANG BC 31/03/2011YACHEM BC 31/03/2011B. NAMSUNG BC 31/03/2011KANGCHING BC 31/03/2011LADAIGARH BC 31/03/2011NAIN BC 31/03/2011TANGHA BC 31/03/2011TAMLU VILLAGE BC 31/03/2011YONGSHEI BC 31/03/2011YONGNYAH BC 31/03/2011
7 DIMAPURTHAHEKHU BC 31/03/2011SIGNAL ANGAMI BC 31/03/2011CHUMUKEDIMA 'A' BC 31/03/2011CHUMUKEDIMA VILLAGE BC 31/03/2011SOVIMA BC 31/03/2011NAHARABARI BC 31/03/2011PURANABAZAR BC 31/03/2011PADAMPUKHURI BC 31/03/2011
STATE : NAGALANDROAD MAP FOR PROVIDING BANKING SERVICES IN ALL THE VILLAGES ALLOTED TO
THE BANKING POPULATION OF OUR 2000 BY MARCH 2011
SL NO
NAME OF THE DISTRICT
NAME OF VILLAGE WHERE BANKING SERVICE TO
MODE OF PROVIDING BANKING SERVICES PROPOSED DATE FOR OPENING
- 55 -
No. of Villages alloted to each bank in the State
NAME OF THE BANK: STATE BANK OF INDIA
BRANCH SATELLITE BR.
ANY OTHER FROM OF ICT
8 TUENSANGPESSU BC 31/03/2011SHAMATOR VILLAGE BC 31/03/2011SANGPHUR (SANGKUR) BC 31/03/2011CHINGMELEN BC 31/03/2011TUENGSANG VILLAGE BC 31/03/2011NOKLAK VILLAGE BC 31/03/2011NEW PANGSHA BC 31/03/2011YANGPI (YAMPER) BC 31/03/2011NOKSEN VILLAGE BC 31/03/2011SANGDAK BC 31/03/2011ANGANGBA BC 31/03/2011CHIMONGER BC 31/03/2011CHESSORE VILLAGE BC 31/03/2011HUKER BC 31/03/2011SOTOKUR BC 31/03/2011KUTHUR BC 31/03/2011ALISOPUR BC 31/03/2011
9 MOKOKCHUNGLONGKHIM BC 31/03/2011MOKOKCHUNG VILLAGE BC 31/03/2011CHUCHIYIMPANG BC 31/03/2011KHARI (KHAR) BC 31/03/2011MONGCHEN BC 31/03/2011WAROMONG BC 31/03/2011MOULONGKIMONG BC 31/03/2011MILUGYIMSEN BC 31/03/2011NOKPU BC 31/03/2011LIRMEN BC 31/03/2011LONGJANG BC 31/03/2011SUNGRATSU BC 31/03/2011KANGTSUNG BC 31/03/2011CHUCHUYIMLANG BC 31/03/2011MONGSENYIMTI BC 31/03/2011
STATE : NAGALANDROAD MAP FOR PROVIDING BANKING SERVICES IN ALL THE VILLAGES ALLOTED TO
THE BANKING POPULATION OF OUR 2000 BY MARCH 2011
SL NO
NAME OF THE DISTRICT
NAME OF VILLAGE WHERE BANKING SERVICE TO
MODE OF PROVIDING BANKING SERVICES PROPOSED DATE FOR OPENING
- 56 -
No. of Villages alloted to each bank in the State
NAME OF THE BANK: STATE BANK OF INDIA
BRANCH SATELLITE BR.
ANY OTHER FROM OF ICT
10 MONSHENGHAH TANGTEN BC 31/03/2011SHENGHAH WAMSA BC 31/03/2011MON VILLAGE BC 31/03/2011T. CHINGNYU BC 31/03/2011PONGKONG BC 31/03/2011CHINGPHOI BC 31/03/2011WAKCHING BC 31/03/2011TOBU VILLAGE BC 31/03/2011WANGSHU BC 31/03/2011TAMKONG BC 31/03/2011YONGKHAO BC 31/03/2011MONYASHU BC 31/03/2011CHINGLANGSHU BC 31/03/2011PESAO BC 31/03/2011YAKSHU BC 31/03/2011UKHA BC 31/03/2011CHAOHA CHINGNYU BC 31/03/2011CHINGLONG BC 31/03/2011CHENWETNYU BC 31/03/2011CHENMOHO BC 31/03/2011CHENLOISO BC 31/03/2011WANGTI BC 31/03/2011CHINGKAO CHINGNYU BC 31/03/2011CHINGKAO CHINGHA BC 31/03/2011ANGPHANG BC 31/03/2011LONGCHING BC 31/03/2011CHINGLANGSHU BC 31/03/2011JAKPHANG BC 31/03/2011
11 PERENNKIALWA BC 31/03/2011NCHANGRAM BC 31/03/2011TENNING VILLAGE BC 31/03/2011MBAULWA BC 31/03/2011AZAILONG BC 31/03/2011POILWA OLD BC 31/03/2011JULUKIE OLD BC 31/03/2011SAMZUIRAM BC 31/03/2011
STATE : NAGALANDROAD MAP FOR PROVIDING BANKING SERVICES IN ALL THE VILLAGES ALLOTED TO
THE BANKING POPULATION OF OUR 2000 BY MARCH 2011
SL NO
NAME OF THE DISTRICT
NAME OF VILLAGE WHERE BANKING SERVICE TO
MODE OF PROVIDING BANKING SERVICES PROPOSED DATE FOR OPENING
- 57 -
No. of Villages alloted to each bank in the State
NAME OF THE BANK: VIJAYA BANK
BRANCH SATELLITE BR.
ANY OTHER FROM OF ICT
1 KOHIMASENDENYU BC 31/03/2011
2 MON 31/03/2011LONGWA BC 31/03/2011NYAHNYU BC 31/03/2011NYASA BC 31/03/2011LONGZANG BC 31/03/2011SHEACHAH CHINGNYU BC 31/03/2011TANG BC 31/03/2011YUCHING BC 31/03/2011SHIYONG BC/BF 31/03/2011WANCHING BC/BF 31/03/2011KONGAN BC/BF 31/03/2011
No. of Villages alloted to each bank in the State
NAME OF THE BANK: ALLAHABAD BANK
BRANCH SATELLITE BR.
ANY OTHER FROM OF ICT
1 DIMAPURNIHOKHU BC/BF 31/03/2011NAGARJAN BC 31/03/2011RAZAPHEMA BC/BF 31/03/2011
2 MOKOKCHUNGCHUNGTIA BC/BF 31/03/2011LONGMISA BC 31/03/2011LONGSA BC 31/03/2011CHANKI BC 31/03/2011YAONGYIMSEN BC/BF 31/03/2011CHANGTONGYA OLD BC/BF 31/03/2011UNGER BC/BF 31/03/2011
STATE : NAGALANDROAD MAP FOR PROVIDING BANKING SERVICES IN ALL THE VILLAGES ALLOTED TO
THE BANKING POPULATION OF OUR 2000 BY MARCH 2011
PROPOSED DATE FOR OPENING
STATE : NAGALANDROAD MAP FOR PROVIDING BANKING SERVICES IN ALL THE VILLAGES ALLOTED TO
3 PHEKKIKRUMA BC 31/03/2011THIPUZU BC 31/03/2011THENYIZU BC 31/03/2011CHESEZUNAWE BC 31/03/2011LOZAPHUNU BC 31/03/2011
4 WOKHAAKUK OLD BC 31/03/2011MEKOKLA BC 31/03/2011PANGTI BC 31/03/2011
No. of Villages alloted to each bank in the State
NAME OF THE BANK: CENTRAL BANK OF INDIA
BRANCH SATELLITE BR.
ANY OTHER FROM OF ICT
1 KOHIMAKHONOMA BC 31/03/2011
STATE : NAGALANDROAD MAP FOR PROVIDING BANKING SERVICES IN ALL THE VILLAGES ALLOTED TO
THE BANKING POPULATION OF OUR 2000 BY MARCH 2011
PROPOSED DATE FOR OPENING
STATE : NAGALANDROAD MAP FOR PROVIDING BANKING SERVICES IN ALL THE VILLAGES ALLOTED TO
THE BANKING POPULATION OF OUR 2000 BY MARCH 2011
SL NO
NAME OF THE DISTRICT
NAME OF VILLAGE WHERE BANKING SERVICE TO
MODE OF PROVIDING BANKING SERVICES
PROPOSED DATE FOR OPENING
SL NO
NAME OF THE DISTRICT
NAME OF VILLAGE WHERE BANKING SERVICE TO
MODE OF PROVIDING BANKING SERVICES
- 60 -
No. of Villages alloted to each bank in the State
NAME OF THE BANK: ICICI
BRANCH SATELLITE BR.
ANY OTHER FROM OF ICT
1 DIMAPURINDUSTRIAL VILLAGE BC 31/03/2011
No. of Villages alloted to each bank in the State
NAME OF THE BANK: UBI
BRANCH SATELLITE BR.
ANY OTHER FROM OF ICT
1 DIMAPURNIKHEKHU BC 31/03/2011
196
12113
SUMMARYNAME OF BANKSBI VIJAYA BANKALLAHABAD BANKBANK OF BARODAUCONRBCENTRAL BANKICICI
TOTALUBI
STATE : NAGALANDROAD MAP FOR PROVIDING BANKING SERVICES IN ALL THE VILLAGES ALLOTED TO
THE BANKING POPULATION OF OUR 2000 BY MARCH 2011
PROPOSED DATE FOR OPENING
STATE : NAGALANDROAD MAP FOR PROVIDING BANKING SERVICES IN ALL THE VILLAGES ALLOTED TO
THE BANKING POPULATION OF OUR 2000 BY MARCH 2011
SL NO
NAME OF THE DISTRICT
NAME OF VILLAGE WHERE BANKING SERVICE TO
MODE OF PROVIDING BANKING SERVICES
SL NO
NAME OF THE DISTRICT
NAME OF VILLAGE WHERE BANKING SERVICE TO
MODE OF PROVIDING BANKING SERVICES PROPOSED DATE FOR OPENING
NO. OF VILLAGES1421110115
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MINUTES OF STATE LEVEL BANKERS COMMITTEE METTING FOR THE STATE OFNAGALAND FOR THE COMBINED QUARTER ENDED JUNE & SEPTEMBER 2010 HELDON 17.12.2010 AT THE CONFERENCE HALL OF CENTRAL POLICE OFFICER’S MESS,CHUMUKEDIMA, DIMAPUR.
The State Level Bankers’ Committee (SLBC) meeting for the State of Nagaland for the combinedquarter ended June & September 2010 was held on 17.12.2010 at the conference Hall ofCentral Police Officer’s Mess, Chumukedima, Dimapur. Chief Secretary deputed Sri I.H.ZhimomiIFS, Commissioner & Secretary, Government of Nagaland to chair the SLBC meeting due to hispreoccupation to deliberate on the developments made by and review of the performances ofthe banks.
The proceedings of the meeting were initiated by Shri A.K.Das AGM, SBI, RBO Dimapur. Hewelcomed Shri I.H.Zhimomi IFS, Commissioner & Secretary(Planning, Tourism & Art & Culture)Government of Nagaland, Shri Tilak Das, DGM, SBI,NE Circle, Guwahati, General ManagerNabard, Managing Director NSCB, General Manager BSNL, Senior State Government Officials,and all the members of banking fraternity.
He apprised the house that during the last 2(two) quarters under review, all banks have beenby and large, active in widening banking services in the State. He highlighted some of thedevelopment and changes that had taken place during the last 2(two) quarters. Two bankbranches were opened taking the number of bank branches in the State of Nagaland to 111.Three nos of ATMs have been set up by the Commercial Banks and proposal for more ATMinstallations are in the pipeline. Achievement under Annual Credit Plan (ACP) though notimpressive, is in line. It is usually tardy during the first 2(two) quarters of the year, butnormally records impressive growth from 3rd quarter onwards. He further informed the housethat during the period under review SBI has recruited 70 nos of clerical staff from the Stateof Nagaland, promoted 35nos of clerical staff to officer cadre and appointed some ProbationaryOfficers to augment the banking services in the State of Nagaland. Now, at all SBI branches,frontline services are manned by local staff of Nagaland.
Thereafter, he invited Shri I.H.Zhimomi IFS, Commissioner & Secretary, Government of Nagalandand Chairman of the meeting to offer his opening remarks.
Shri I.H Zhimomi welcomed State Government officials, Bank Executives, DGM, SBI, NEC andeveryone present in the SLBC meeting.
He expressed his happiness on the landmark achievement of SBI mentioned by AGM, SBI andtermed as encouraging the local recruitment of staff by the bank. By taking the privilege toChair the meeting he urged upon all banks to reach every single person, especially the under-privileged people of the State which is the highest priority of the State Government. It is verynecessary that the banking services reach the under-privilege section of people in the ruralareas and unbanked blocks of the State. He stated that Banks in the pursuit of growth shouldfocus on inclusive growth. He also emphasized the importance of Banks in a State like Nagalandand the need to re-look into the role banks has to play in terms of financial literacy andhandholding of the rural poor people of the State. He requested the bankers to come out withsolutions to problems like land holding system, poor infrastructure and land mortgage system.
ANNEXURE-I
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He further stated that he was surprised and found it absolutely disappointing to note that nobanks in the State of Nagaland and even in North Eastern States are issuing Credit Cards toprospective customers without a security back up like Fixed Deposits. He wished the people ofthe State to get the same facilities that people from other parts of the country enjoyed fromthe same banks operating here.
Thereafter Shri A.K.Das requested Shri Tilak Das DGM, SBI, RBU to give his opening remarks.
At the outset DGM, Shri Tilak Das welcomed Shri I.H Zhimomi, Shri A.K.Das, other Bankers’colleague and Senior Government officials present in the meeting.
He started his address with appreciation of Chairman’s remarks and concerns. Thereafter, hestated that inclusive banking is something that is high on agenda of all the banks including theReserve Bank of India. As far as SBI was concerned, he stated that it was promoting BC modelin Nagaland so also in the rest of the country. He further stated that on pilot basis 20 VBDswould be engaged as BCs, which is a community based organization successfully functioning inthe State. We are happy that the State Government has allowed 20 VDBs to act as BCs, headded.
On the matter of opening of bank branches in unbanked block, he stated that the matter has tobe taken up seriously and bidding for allotment of blocks to the banks for opening of bankbranches initiated. RBI would allot to the successful bidders 100% capital subvention. Hefurther stated that bank-wise allotment as well as the entire process would be completedshortly.
He stated that CD Ratio is definitely a cause of serious concerns. He noted that some of thebanks and districts were showing very poor CD Ratios which needed to be explained to thisforum later at the time of deliberation on the agenda items.
In connection with alternative forms of collateral security for advances he stated that Bank isintroducing a new model of security called Joint Liability Group in which a group of people ofthe same activity can come together to form JLG which is acceptable to the bank as security.In case of small & marginal farmers banks can sanction loans upto a limit of 1.00 lacs and evenupto 2.00 lacs for good track records, without any collateral security.
He also stated that SBI Cards is subsidiary to SBI and not fully owned by SBI, having theirowned system for issuing Credit Cards. The Advantage Cards with back-up security is the onlyCredit Card now issued in some designated branches.
Before taking up the Agenda Items for deliberations, Shri A.K.Das AGM invited Ms LH.Thangi Mannen, Comm & Secy. AH & Vety, to say a few words and share some of the department’sconcerns as she had to leave for another important engagement.
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Offering thanks to the Chairman, Smt Thangi Commissioner & Secy AH & Vety shared AH &Vety. Departments concerns to the house. She stated that under AH&Vety Department,Government of India had formulated various credit linked subsidy schemes by allotting certainamount of fund to each State for the benefit of the farming community. She also stated thatunder various forums the matter was already discussed and targets fixed to the banks toextend finance under credit linked subsidy schemes, where certain amount of subsidy even upto 33% of the project is available. However, till today no bank has come forward to take thescheme except NSCB which financed 75 nos. of projects recently. She also pointed out that tilldate SBI, the Lead Bank who is having a target of 100 nos. of projects also did not comeforward with a single project. She regretted that she had to perforce inform the Governmentof India that the banks were not interested in the scheme, and the allotted fund would belapsed or be diverted to some other States. She also pointed out that some of the banks bydirectly financing without linking the subsidy scheme had deprived the farmers, forcing themto pay full interest. She once again appealed to all banks to come forward and act proactivelyin their dealings. She lamented that Nagaland would be the loser, in case the allotted funds arediverted or lapsed only because of our failure to utilize it.
Shri A.K.Das AGM SBI thanked the Commissioner & Secretary and informed that the issuesraised would be come up in the course of deliberations on Achievement of Annual Credit Plan2010-11, and also in the presentation to be made by General Manager, NABARD. He alsoassured that the target of Backyard Poultry Scheme received by banks recently would becleared in a month.
Thereafter, the agenda items listed were taken up by Shri A.K.Das AGM, SBI for discussion.
AGENDA NO 1.
Confirmation of Proceedings of the Last SLBC meeting for Nagaland:The Proceedings and action points of last State level Bankers’ Committee meeting for Nagalandheld in Kohima on 28.07.2010 were circulated to all members. Since no request for amendmentswere received, the house passed the previous minutes as read, confirmed and adopted.
AGENDA NO 2.Review of action points of last SLBC Meeting dated 28.07.2010:
2.1 Banks to open “No Frills” accounts and issue of GCC to be stepped up so as to bringcommon masses under Financial Inclusion.
Total 9436 nos. of accounts have been opened against target of 24225 nos. by the banks uptothe quarter. Non Performing Banks namely Allahabad Bank, Central Bank, ICICI Bank, IDBIBank, UBI, Axis Bank and Vijaya Bank were advised to open No Frills accounts, considering theimportance of the exercise in financial inclusion.
Total 172 nos. of GCCs were issued by the banks upto September, 2010.
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2.2 IT based Financial Inclusion involving use of Smart Cards / Mobile Technology to beadopted by banks to achieve greater outreach.
All banks have been advised to step up IT based financial inclusion involving use of smartcards/mobile technology to achieve greater outreach.
1. The Managing Director NSCB informed the house that the Bank (NSCB) has decided toprovide Bio-metric machine to all branches and Smart Cards to be issued shortly.
2. AGM SBI informed the house that they had outsourced the works to Zero Mass Foundation,Service Providers for assisting the bank in engaging Business Correspondence in 142unbanked villages with population over 2000. Initiative has been taken and significantprogress is expected in the next few months. Apart from these, in 20 villages identifiedby RD Departments, VDBs will be engaged as BCs on pilot basis. They will be suppliedwith Bio metric devices for opening no frills accounts to bring the common masses underfinancial inclusion.
3. BOB informed the house that they had appointed HCL as service provider in thoseallotted 5 villages, and work is expected to be completed/in full function by March2011.
4. Allahabad BANK requested to take up the matter with their Head Office to completethe task within the time limit. Further, in consultation with RBI Officials the progressshould be monitored closely to initiate the process during the next few weeks. The Bankshould brief the house of the development made in the next SLBC Meeting
2.3 Extension core Banking / ATMs / Internet Banking facilities and Improvement in ITfunctioning.The member banks informed the house of the developments made during the last 2 quarter andthe action plan to be taken in the months to come under the agenda.
1. BOB informed the house that by January 2011 they were going to install one ATM atKohima.
2. SBI informed the house that 3 more branches will be opened shortly at ScienceCollege, Jotsama village in Kohima, Personal Service Branch at Dimapur and anotherbranch at one of the 6(six) unbanked block centres identified by the Government ofNagaland.
SBI is presently having ATMs in 8 District HQs and would install 3 more ATMs in thedistricts of Longleng, Peren and Kiphire within the next 2 months to cover all Districtsof Nagaland by 31st March 2011.
- 65 -
3. UCO Bank informed the house that they had submitted proposal to their Head Officefor re-opening of Tizit branch which was closed down for quite sometimes now, includinga proposal to open a new branch at Mokokchung. Further, in addition to the existing 2ATMs, they propose to open 2 more ATMs at Kohima & Dimapur. The Zonal Manageralso informed the house that their Head Office wanted a commitment from him to bring
5.00crs business to the bank on the very first day of opening a new branch, andrequested the State Government to extend any possible help to fulfill the commitmentfor opening a new branch.
4. HDFC informed the house that their Kohima Branch will be in operational shortly andproposals for opening branches at Mokokchung and Wokha centres are in the pipeline. 3more ATMs would be installed at Dimapur within the next 2 months
5. BSNL informed the house that they have 5 Circles to be commissioned at Tuensang, Mon,Zunheboto, Phek and Wokha, and declares that they were ready in all respects andinvited the banks to come forward for connectivity
6. Representatives of Vijaya Bank and UBI informed the house that they were going toinstall ATMs in Dimapur centre. Axis bank representative also informed the house thatthey were planning to open a new branch in Nagaland during the next 3 months
Chairman enquired from the bankers whether they were facing any security problems in theiroperations like theft, false use of debit cards and any other problems relating to IT functioning.In reply to the query, AGM SBI informed that there has been no major problem barring one ortwo stray cases in Dimapur Centre.
Shri A.K.Das AGM thanked all banks for the proposed opening of new branches and new ATMinstallations in the next few months, and requested them to keep the Convener Bank informed ofthe developments for record. He further requested BSNL to look into the connectivity problemsin fixed line faced by SBI in Mon and Tseminyu centres in particular.
2.4 RBO SBI Dimapur & RD Department along with Geodesic will sit together forfinalization of NREGP Payment and engagement of VDBs & VCs for BC/BF.
AGM, SBI informed the house that a joint meeting of SLBC Convener, Commissioner RDDepartment and representative of Geodesic (Service Provider) was held on 05.10.2010 andidentified 17 villages and allocated them to the banks (9 to SBI, 5 to BOB and 3 to All Bank) toimplement VDBs/VCs for BC/BF on pilot basis.
- 66 -
2.5 Sub committee of PMEGP will sit together with nodal agency to sort out all problemsrelating to PMEGP Scheme.
On PMEGP, AGM SBI informed the house that a meeting of the Sub-Committee of SLBC onMonitoring and Implementation of PMEGP Scheme and State Level Monitoring Committee meetingfor PMEGP was held on 06.10.2010, 01.11.2010 and 16.12.2010. He stated that a huge backlogof PMEGP had been cleared by the banks and the performances of banks were quite impressiveduring the last 2months. It was agreed upon in the last meeting in the presence of Commissioner& Secretary (Ind & Commerce) that target of programme year 2009-10 to be achieved by thebanks within 31st Dec 2010, the last quarter of the financial year be utilized for implementationof proposals of programme for the year 2010-11. The Committee also decided that no backlogshould be carried over to the next financial year 2011-2012. He further stated that this yearbeing the Year of the Entrepreneur, some more proposals from line departments are expectedand urged the banks to gear up for successful implementation of “Year of the Entrepreneur”.He suggested to those banks having 2 or more branches to nominate a Coordinator/ NodalOfficer for easy monitoring and for better coordination with the sponsoring agencies likeKVIC/KVIB and DIC.
2.6 For setting up of RSETI, State Government should immediately allot land to thebanks to establish RSETI at the centre proposed.
AGM SBI informed the house that all eleven districts of the State have been distributed tothe member banks for setting up of RSETI.
He requested the State Government to appraise the forum of the progress made in connectionwith allotment of land to the banks at the proposed centre for setting up of RSETI.
As no representation from the concerned department was present, discussions could not bemade and action point has been carried forward. AGM however requested the Chairman toadvise the concerned department to expedite allotment of the land.
2.7 Credit portfolio of all banks in the State should be increased and thereby increasethe CD Ratio at least 60%.
The AGM SBI informed the house that the overall CD Ratio of 31.22% at the end of Septemberquarter is not very impressive which is a slide 0.10% against March 2010. He also pointed outthat some bank’s CD Ratios were abnormally low.
The house while examining the data provided in the background paper took serious view of thepoor CD Ratio of some member banks which pulled down all bankers’ performance in thequarter in review.
The Chairman, Shri IH Zimomi Commissioner & Secy and Shri Tilak Das asked ICICI and otherbanks the reasons for having poor CD ratios despite making remarkable growth in theirrespective total business. The representative of ICICI in response to the query of DGM, SBI,informed the house that ICICI is not participating in implementation of Government SponsoredSchemes like PMEGP, SJSRY and SGSY in Nagaland as per the directive of their Head Office.
- 67 -
Then the Chairman expressed his dissatisfaction at Axis Bank who have been making remarkablebusiness during the last 5 years of their existence, but having one of the lowest CD ratio withbelow 20%. He reiterated what he had mentioned in his opening remarks that Banks should notaim at Commercial Growth alone but focus on Inclusive growth to have impact of their existencein the State. He then requested Shri V.Kezo OSD to share Governments concerns in thismatter.
Shri V.Kezo OSD stated that this poor CD ratio by some banks is viewed seriously by theGovernment. He said that no bank in Nagaland should be exempted from implementation of anyState and Central Government Sponsored Schemes. The existence of those banks who aim atgetting deposit alone without taking part in developmental activities were found to be veryunethical and are cautiously looked at. He further stated that Government may be compelled towithdraw their fund with those banks who are not taking part in Government Sponsored Schemes.
Agreeing with Shri V.Kezo OSD (Finance), the Chairman suggested the Finance Departmentissue a General Circular/advisory to all Government Departments to this effect.
Participating in the deliberations Dr U.S.Saha General Manager NABARD stated that it is avery serious concern to note that banks operating in Nagaland are not actively participating inimplementation of Central and State Government Sponsored Schemes. If it is the case, heproposed those banks be banned from extending any type of finance, and matter be brought tothe notice of their respective Head Offices that the prohibition will be lifted only afterconfirmation of their participation in implementation of Government Sponsored Schemes.
He further suggested that those banks with poor CD Ratios of below 10% should be prepare atime bound action plan to improve their CD Ratio. He also advised them to participate vigorouslyin all Government Sponsored Schemes. Reiterating the anxiety of Commissioner Secy AH& Vetyon non implementation of Subsidy Linked Centrally Sponsored Schemes, he commented that theState and the people of the State only will be the loser and will be deprived of the benefitsavailable under these Centrally Sponsored Schemes. He also suggested bringing it to the noticeof the Regional Director, RBI for taking action against those banks.
While giving thanks to Shri V. Kezo and Dr Saha, AGM, SBI stated that Branch Manager ofsome banks having poor CD Ratios have no delegation of Financial Power for sanctioning loanunder GSS and other Agricultural Schemes from their Controlling Office located in Guwahati/Kolkata etc. He also advised all Chief Manager (Lead Bank) to examine at the branch level theissue raised by Commissioner AH & Vety and General Manager, NABARD in connection with theproposals submitted by the line departments and to ascertain the fate of the proposals if any,and brief the position to the SLBC.
2.8 Reopening of Tizit Branch of UCO Bank & Changtongya Branch of Allahabad Bank.
Representative of Allahabad Bank informed the house that they have examined the situationand still find it not conducive for reopening of their Changtongya Branch and sought some moretime.
- 68 -
In response to the query of DGM, SBI, the representative informed that they were notsurrendering the license as it is not a case of the branch being closed down but shifting andoperating from other centre (Mokokchung).
Shri V.Kezo OSD opined that Allahabad Bank should surrender their license so as to enableother commercial banks to step in to extend banking services to the people of Changtongya. Healso informed that since Allahabad bank had kept the people of Changtongya without bankingcoverage for more than a decade, they no longer wished to have Allahabad Bank any more.
AGM SBI requested Allahabad Bank to come out with a concrete decision as to whether theyare going to re-open their branch or will surrender the license so that the matter can be solvedwithout any further delay.
The Zonal Manager UCO Bank informed the house that they were very much interested in re-opening their branch at Tizit and proposal for opening of a branch has already been submittedto their Head Office two months back for approval. AGM SBI requested for a confirmation ina month or so.
2.9 Banks to actively support State Government for formation of Task Force / NodalAgency towards successful implementation of Year of Entrepreneur.
AGM SBI invited Director, Industries and Commerce to speak on the agenda item.
Speaking on the agenda item, Director (Industries and Commerce) stated that the entrepreneursare being sent for training, and on successful completion of training they would submit theirprojects which in turn will be forwarded to Banks for financing. The first batches of proposalsare expected to reach the banks by next February-March 2011 and the second batch will be inthe next financial year 2011-12.
2.10 State Government to support banks in recovery of loans by conducting jointrecovery camps, invoking Nagaland Debt Recovery Act.
AGM SBI was pleased to announce that Government of Nagaland is kind enough to considerbankers request to realize the fee at backend that is from the actual recovery of loans underNagaland Debt Recovery Act 2007. Notification in this regards is however awaited.
He also informed the house that as per the suggestion made by the Commissioner & Secretary(Ind. & Commerce) NIDC has agreed to come forward and extend a helping hand to bankers inrecovery of bad loans with their recovery team, especially on Government Sponsored Schemeson payment of a certain amount of fee. He urged the bankers to avail the services to the extentpossible.
The AGM, SBI requested a discussion on Recovery of loan to the house.
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Shri V.Kezo OSD informed the house that this amendment of Nagaland Debt Recovery ActRule would be put up for Cabinet approval shortly as the rule itself does not have a provisionfor amendment by notifications. However it is not a matter of concern for bankers as theGovernment had already informed all DPDB Chairmen and district Deputy Commissioners advisingthem to include recovery of loans as an important agenda in the DPDB meetings of each district.Now, banks can start submitting the list of defaulter borrowers to their respective DeputyCommissioners for consideration.
He also stated that banks are not responding to the earlier offer of the Commissioner &Secretary, Industries to approach DIC/NKVIB/KVIC, the sponsoring agencies, for bad loansrecovery despite promises to take action against those who fail to response to requests ofbanks.
In response to issue raised by Shri V.Kezo, OSD, Zonal Manager, UCO Bank informed thehouse that they have already submitted list of defaulter borrowers to DIC/NKVIB/KVIC butto no avail till date. He also stated that this quick mortality of loans under Government SponsoredSchemes is a matter of concern for all banks in Nagaland.
AGM, SBI invited all the CM (Lead Bank) to ascertain whether Bank branches are seekingsupport from the relevant agencies for joint recovery drives and whether they are gettingsupport. He requested for a district wise report in next SLBC indicating how many bankbranches in their district have approached DIC/NKVIB/KVIC with list of defaulter borrowers’vis-à-vis the outcome.
AGENDA NO. 3
Review of performance under Annual Credit Plan (ACP) 2010-11
AGM, SBI informed the house of the performances of banks under ACP as on 30.09.2010 andalso highlighted the poor achievement of some banks
Shri Tilak Das DGM, SBI stated that he was surprised to note that banks are not paying anyheed to achieve ACP target which was adopted and agreed to by the banks themselves and notan imposed target. He advised all the banks to examine their performances upto the quarterand to work out strategy/plan, keeping in mind the target to be achieved by end of financialyear, 31st March 2011.
The Chairman stated that the performance of credits of banks in the district is correlatedwith the development of the district. He then urged the banks to note that the higher the creditperformances of banks, the higher the development of the district.
Taking part in the discussions, Shri P.K.Bharti, Senior Manager of BOB, shared his views on therole that banks can play for the development of States like Nagaland. He urged the fellowbankers to take it as a challenge to deploy a portion of deposits accumulated in the State so asto build up presentable CD Ratio which will reflects bank’s commitments to the State. He alsosuggested that the Government of Nagaland should be sensitive to the issue and reward thebank with Govt. funds / deposits canalizing only those banks who are taking part in thedevelopmental schemes and activities of the State.
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The Chairman assured BOB representative that Finance Department; Government of Nagalandwould issue advisory to this effect and work out modalities to channelise Government Funds/deposits in a manner as proposed.
AGENDA NO. 4
CD Ratio- Review of Position
Discussed and minuted elsewhere.
AGENDA NO. 5
Review of Performance under Government sponsored schemes and approval/confirmationof PMEGP target for 2010-11:
PMEGP:Discussed and minuted elsewhere
APPROVAL/CONFIRMATION OF PMEGP TARGET FOR 2010-2011:
PMEGP target for the programme year 2010-2011 is 610 for the State of Nagaland. The finaltarget allocation bank-wise and district-wise for the current year was made by the Lead Bank,NKVIB, KVIC and Directorate of Industries following discussion of Bankers Meeting held on11-08-2010 at Dimapur.
Bank wise target under PMEGP for the year 2010-2011 are as under:
During the course of discussions on the agenda item, Smt. Surekha Marandi, Regional Director,RBI, arrived in the meeting hall.
Shri A.K.Das AGM.SBI welcomed Smt. Surekha Marandi, thereafter she addressed the membersand shared some of her concerns.
She suggested to form SLBC Sub-Committee to do spot verification of those premises/buildingsallotted by State Government, if any, to verify whether it is suitable and whether the minimuminfrastructure required for opening bank branches are available or not. Citing her experiencein one of the North East State, she felt the need to make spot verifications mandatory by theSLBC Sub-Committee.
She also shared some of her views on CD Ratio, and opined that while examining banks CDRatios we have to include the access made by the bank to unbanked blocks for meaningful CDRatios covering the entire State.
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While noting poor CD Ratios of some private sector banks who were holding a large chunk ofGovernment fund/deposits, Regional Director, RBI categorically mentioned that Governmentfund/deposits should be with Public Sector Bank only. She further stated that participating inpriority sector lending was the criteria for holding Government funds/deposits. She alsorequested the State Government to look into the matter and issue necessary advisory to thiseffect.
Supplementing Regional Director’s concerns on opening of bank branches in un-banked blocks,Shri V.Kezo,OSD, said that Finance Department have examined the estimates given by SBI inconnection with infrastructure requirement and found it to be on the high side and requestedfor recasting it to the bare minimum requirement. The revised estimates should be expedited.
AGENDA NO. 6
Review of Performance under KCC, ACC, GCC and SHG:
KCC: Shri A.K. Das AGM, SBI apprised the house the achievements of banks under KCC duringthe period under review.
Smt. Surekha Marandi enquired of the reasons non performances of banks in financing underKCC. She urged the line departments, Agriculture Department in particular, to help the bankersin identifying eligible farmers for KCC loan and other agricultural activities. She furtheradvised the State Government (concerned department) to compile a roster type list of eligiblefarmers to be kept ready and provided to the banks for financing.
Reiterating Finance Minister meeting with Chief Minister, AGM, SBI sought the opinion ofRural Development Department, Government of Nagaland, of the proposal to allow VillageDevelopment Boards to be guarantor for Agricultural loans where there is no land patta.
As no representative from the concerned department was available in the meeting, the point ofdiscussion is carried forward.
SHG: AGM SBI apprised the house that Banks are making good progress in SHGs financing,particularly SBI during the period under review.
MD NSCB informed the house that till November 2010, NSCB had financed 211 nos of SHGsaggregating 1.58 Crs with full support from NABARD.
Smt Surekha Marandi, Regional Director, RBI, urged the banks to come forward and arrangefor tie up with Nabard for financing SHGs. She further stated that NABARD is well equippedwith a concrete road map for financing SHGs, and various NGOs are working extensively withthem in almost all the district of Nagaland. Banks should take the support for extendingfinances to SHGs, especially in those villages allotted to them under Financial Inclusion. Shealso stated that financing under SHGs is the safest way of lending with proven records.
Taking part in the discussions, Shri U.S.Saha GM, NABARD stated that NABARD has a tie-uparrangement with NSCB and is always ready to extend support to all other Banks also withtheir counterpart NGOs who are actively working for formation of reliable SHGs for creditlinkage in the entire State of Nagaland.
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AGENDA NO. 7
Distribution of Chief Minister’s Corpus Fund:
Shri V.Kezo, OSD, informed the house that Government of Nagaland shared the concernsexpressed by NSCB over the allotment of a major portion of the target under CMCF ascompared to other banks. He also stated that Government is aware of the poor recoverypercentage in CMCF, and the need of change in delivery system of CMCF is under consideration.
By thanking Shri V. Kezo, OSD, Shri B.K.Thandani MD NSCB informed the house that NSCB isrequesting the State Government for revision of allotment of scheme under CMCF as it was notdistributed amongst the banks equally, and large chunk of the target was allotted to NSCB. Healso urged all other banks to come forward for implementation of CMCF in the right perspective.Shri A.K.Das opined that the sponsoring agency/Nodal Agency, Planning Department, Governmentof Nagaland has to look into the matter to address the issue.
AGENDA NO. 8
Review of Progress of Implementation of Financial Inclusion in the State with specialfocus on:
a. Providing Banking services by engaging BCs in every villages having population ofover 2000.
Issue discussed and minuted elsewhere.
b. Opening of Bank branches in unbanked blocks.
Issue discussed and minuted elsewhere.
It was further discussed about re-opening of Tizit Branch of UCO Bank and ChangtongyaBranch of Allahabad Bank.
Zonal Manager, UCO Bank reminded the house that the proposal for opening of branch hasalready been submitted and the approval from appropriate authority is expected shortly.
The house felt the urgent need of opening of a bank branch in Changtongya since there ispotential for good business in the area. The house did not find merit in the excuses made byAllahabad Bank and found no justification for any further delay for re-opening of their branchin Changtongya.
Sensing the urgent need and citing the open license for opening bank branches, Smt SurekhaMarandi RD RBI urged the banks to come forward for opening a bank branch in Changtongya.
Shri A.K.Das AGM suggested that re-opening of Changtongya Branch of Allahabad Bank bebrought to the notice of their Head Office for urgent consideration within a reasonable time.
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AGENDA NO. 9
Land issues for setting up of RSETI in the districts:
Issue discussed and minuted elsewhere.
AGENDA NO. 10
Recovery Performance of Banks:
Issue discussed and minuted elsewhere.
AGENDA NO. 11
Security position of Banks and other related problems:
Shri A.K.Das AGM SBI informed the house that excepting one or two stray cases, the over allsecurity situation was normal and not alarming to the bankers. He further stated that bankswere always in close liaison with security authorities for any eventuality and by and large thesituation is congenial to the banks.
AGENDA NO. 12
Shri I.H.Zhimomi, Chairman shared some of his concerns about informal money lending systemprevailing in the State, particularly in the business hub Dimapur Town. In this issue he wantedto know how the SLBC can handle the situation to curtail this lending system which bypassedthe banking system.
Taking part in the deliberations Regional Director, RBI opined that banks should find out theprocesses and take over such loans by extending financial support.
Shri A.K.Das, AGM SBI felt that non-institutional money lending fills in a considerable amountof credit gap, albeit with extremely high interest rates. He considered that a multi-disciplinarystudy should be taken up in the State to gauge the extent and multitude of the private moneylending so that an area-wise strategy can be planned by SLBC for substitution by InstitutionalFinance of Banks. He urged upon the Government to initiate the survey and assured that bankerswould be more than happy to participate. Regional Director, RBI, opined that Land RevenueDepartment should be a participant in the survey and requested Government to considerundertaking a survey at the earliest. He further stated that Notification from State Governmentis required to enable the banks to take over possession of the land in question to dispose off, ifand when necessary.
Shri V.Kezo OSD stated that Article 371(A) debarred transfer of property to non locals butdoes not mention any restriction on mortgage of property and that banks can enforce themortgage of landed property in Dimapur. However, he felt that it would be better to refer thematter to Law Department for their opinion.
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Dr U.S.Saha GM, NABARD also shared some of his ideas and practical experiences in MokokchungDistrict on the issues.
Shri Tilak Das, DGM SBI requested to constitute a SLBC Sub-Committee comprising LandRevenue Department to examine the issue.
The Chairman further shared his view on circulation of fake notes in the State. However, thebankers informed the house that there were few incidents so far and with sophisticated notesorting machines utilized in the branches, chances of rampant circulation of fake notes ispractically not possible and is not alarming.
The Chairman shared some of his views on CSR (Corporate Social Responsibility) in whichbanks can do something for the benefit of the general masses besides normal banking activities.He urged all the banks to come forward in those new areas/fields and make concerted effortstowards CSR.
Smt.S.Marandi RD, RBI also shared some of RBI’s CSR experiences in Shalbani in the State ofJharkhand where the existence of RBI in Maoist stronghold was possible only through CSRactivities undertaken by the Bank. She urged the banks to adopt a village each under CSRprogram and to have interactions with the villagers to build a strong relationship.
Shri A.K.Das AGM suggested that henceforth SLBC will take up CSR Issue as an item, and allthe banks should report the activities undertaken by them in a tabular form.
Taking part in the discussion Dr U.S.Saha ,GM NABARD urged all the banks to join- handswith NABARD in their initiatives in various activities like women & child development,construction of School Buildings etc. in the remote corners of the State.
Shri A.K.Das AGM Convener SLBC then invited Dr U.S.Saha General Manager, NABARD, togive his presentation on Nabard related Schemes.
Dr Saha once again thanked Smt. Marandi, RD RBI, Shri I.H.Zhimomi IFS, and Shri A.K. Dasfor the opportunity given despite tight schedule of each and everyone. In the presentation heelaborated various Centrally Sponsored Schemes through Nabard like, Piggery DevelopmentScheme, Rabbit Rearing, Poultry Farming, Male Buffaloes Rearing, Diary Development Schemeand the latest Solar Lighting Systems which are readily available for implementation. Hestated that these schemes have two components of subsidy- Capital Subsidy and InterestSubsidy. He also stated that so far, only NSCB has come forward to finance these schemes byfinancing 20(twenty) nos of projects under Piggery Development Scheme.
To improve delivery mechanism, he stated that banks can take the help of NGOs to form SHGsall over Nagaland including the help of more than 100 farmers clubs already set up by NABARD.These NGOs and Farmers Clubs can extend a helping hand to bankers in lending as well as forrecovery loans.
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To develop entrepreneurs and entrepreneurship, he stated that NABARD is always open toaccommodate each and every bank with bankable projects. To impart any sort of training forthe staff as well as the entrepreneurs or farmers and even for exposure tours to outside theState, NABARD is ready to bear the expenses.
He urged the bankers to sanction at least 5 nos. each of projects/units under Animal Husbandry(preferably piggery or poultry) and Solar lighting System by 31st March 2011.
Shri A.K.Das AGM SBI thanks Dr. Saha for the informative presentations and assures thatbankers will definitely come forward for implementing the Schemes.
The meeting is concluded with a vote of thanks from Shri S.H.Leo AGM, Kohima Branch.
CONVENER,SLBC for Nagaland State
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THE FOLLOWING ACTION POINTS EMERGED OUT OF THE SLBCMEETING HELD ON 17.12.2010.
Sl.
No
Action points Action by
1. IT based Financial Inclusion involving use of Smart
Cards / Mobile Technology to be adopted by banks to
achieve greater outreach.
All Banks/BSNL
State Govt.
2 Extension core Banking / ATMs / Internet Banking
facilities and Improvement in IT functioning
All Banks/BSNL
3 All Banks to achieve the target under ACP 2010-11
.All Banks
4 Banks to implement various NABARD Subsidy Link
Centrally Sponsored Schemes, formulated by Govt. of
India.
All Banks/
Nabard
5 Credit portfolio of all the banks in the state should
be increase and thereby increase CD Ratio at least up
to 40%
All Banks
6 Finance Department (GON) to issue General
Circulars/ advisory that Govt.Funds/deposits should
be with PSBs only who are participating in PS lending.
State Govt./
Finance Dept.
7 For setting up of RSETI, State Government should
immediately allot land to the banks to establish
RSETI at the proposed centres.
State Govt.
8 To constitute SLBC Sub-Committee to overlook the
infrastructure availability for opening bank branch in
unbanked blocks
SLBC Convener /
RBI/State Govt.
9 To inform the SLBC Convener the decision taken by
the bank on re-opening of Changtongya Branch
Allahabad
Banks.
10 Providing Banking Services in every villages having
population of over 2000 by March, 2011- Progress
report
All Banks.
11 Report on participation of Sponsoring Agencies/Nodal
Agencies in Recovery of Bad Loans to SLBC
CMs
Lead Bank
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STATE LEVEL BANKERS’ COMMITTEE MEETING FOR THE STATE OF NAGALANDFOR THE QUARTERS ENDED JUNE & SEPT 2010 HELD ON 17.12.2010 AT CENTRALPOLICE OFFICERS’ MESS, CHUMUKEDIMA, DIMAPUR .
List of participantsGovernment Departments
Sl.
No. Name Designation
Deptt. & place of
posting
1 Shri IH Zhimomi IFS Commissioner &
Secretary
Government of Nagaland,
Kohima
2 Smt. L.H.Thangi Mannen Commissioner &
Secretary (V&AH)
Government of Nagaland.
Kohima
3 Shri V.Kezo OSD (General). Finance Department,
GON Kohima
4 Shri G.Keppen Rengma. Director Ind.& Comm., GON
5 Shri Kevin K.Zehol Dy.Secretary Finance Department,
State Bank Of IndiaRegional OfficeDimapur - 797112Nagaland
PHONE : 03862-226555/225886
TOALL MEMBER BANKS, FINANCIAL INSTITUTIONS &CONCERNED DEPTTS. OF STATE GOVT. & GOVT. OF INDIA.
AGM/LB/ Dated : 01-03-2011
Dear Sir,
SLBC MEETING FOR THE STATE OF NAGALANDFOR THE QUARTER ENDED DECEMBER 2010
We forward herewith a copy of the Agenda Notes for the SLBC meeting for Nagaland Scheduled to beheld on 15-03-2010 (Tuesday) at 11:00 a.m. at the Conference Hall of Hotel Japfü, Kohima, Nagaland.
Please make it convenient to attend the meeting.
Yours faithfully,
Asstt. General Manager &CONVENER, SLBCNagaland State
Encl : As stated above.
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STATE LEVEL BANKERS’ COMMITTEE MEETINGFOR NAGALAND ST ATE
FOR THE QUARTER ENDED DECEMBER 2010
INDEX
SL. NO. PARTICULARS PAGE NO.
1. Abbreviation 1
2. State Profile 2-5
3. Agenda 6
4. Confirmation of the minutes for the last SLBC meeting held on 17-12-2010 7
5. Review of implementation of Action Points of last SLBC
meeting dated 17-12-2010 and Agenda Notes 8-15
6. Performance under Annual Credit Plan as on December 2010 17-19
7. Bank Wise/District Wise Credit Deposit Ratio 20-23
11. Performance of Govt. sponsored schemes i.e.
SGSY, SJSRY, & PMEGP and
Flow of Credit to Ex-servicemen & Widow of Ex-servicemen etc. 24-33
