SLBC Agenda Item No.5

STATE LEVEL BANKERS' COMMITTEE, MADHYA PRADESH

134th Meeting dated 24th December 2008

AGENDA FOR THE MEETING

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Item No. & Subject

Details Data Tables

ITEM NO. 5: IMPLEMENTATION OF ANNUAL CREDIT PLAN 2008-2009

5.1 Comparative achievement of Annual Credit Plan of last three years:

(Amt. in cores)

Sector	Year 2005-06			Year 2006-07			Year 2007-08
Sector	T	A	%	T	A	%	T	A	%
Agra. Total Crop Loan Term Loan	5940 4153 1788	6954 5085 1869	117 115 105	7596 5172 2424	8882 6792 2090	117 131 86	8905 6379 2526	10612 8029 2583	119 126 102
MSME	537	525	98	684	684	69	875	1265	145
Others	1809	1958	108	2268	3042	134	2840	2260	80
TOTAL	8256	9437	114	10548	12397	118	12620	14137	112
	114%			118%			112%

SECTORWISE BREAKUP OF ANNUAL CREDIT PLAN 08-09 (Up toSept.08)

(Amt. in Crore)

Sector	Year 2008-09 (up Sept. 08)
Sector	T	A	%
Agra. Total Crop Loan Term Loan	10774 8130 2644	5497 4489 1008	51 55 38
MSME	2328	549	24
Others	2338	1615	69
TOTAL	15440	7661	50
	50%

T-Target (for the year) A-Achievement (Up to Sept. 08)

Agency wise Breakup of Annual Credit Plan 08-09 (up to Sept 08)

(Amt in Cores)

	AGRI		MSME		OPS		Total Adv.PS		%A
	T	A	T	A	T	A	T	A
Com.Bank	5291	2790	2030	512	2060	1381	9381	4683	50
RRBs	1653	988	176	37	148	102	1977	1127	57
Coop Bank	3830	1719	122	-	130	132	4082	1851	45
TOTAL	10774	5497	2328	549	2338	1615	15440	7661	50

T-Target A-Achievement

Bank wise data is given in Table No. 11, Page No 68-71.

The House may review the progress.

5.2 Doubling of Flow of Credit to SMEs in 5 Years

Finance to SME Sector:

(Amt in crore)

Item	Base figure as on 31.03.05	Fresh Advances from 01.04.08 to 30.09.08		Total Advances Sept.08
Item	Base figure as on 31.03.05	No.	Amt.	No.	Bal. O/S
Small &Micro Enterprises	2452	5032	252	82296	3264
Small& Micro Services		11926	297	184809	2602
Advances to Medium Ent		*476	52	4880	551
Total SME	2452	17434	601	271985	6417

* Part of NPS (TOTAL ADVANCES)

Bank wise data is given in Table No.34, Page 114-115

RBI vide their Master Circular dated 1^st July 2008 on Micro, Small and Medium Enterprises (MSME) advised banks to open specialized SME branches in each district. There was some doubt whether a general branch having less than 60% turnover in SME business can be designated as SME branch, if it is found that there is no potential for a viable SME branch. RBI, DBOD has clarified that, in these circumstances, there should be no objection for designating one bank branch in each district as specialised SME branch even when SME business turnover is less than 60%. However, while designating such branches, bank would have to ensure that Non-SME clientele of such branches are not put into inconvenience or deprived of banking facilities.

Data Tables

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