Where our State Stands?

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1 Where our State Stands? Sl.No Indicator Odisha India Economic Indicators 1 Per capita income( ) Rs.25,891 Rs.39,961 2 Poverty ( ) 32.59% 21.92% 3 Fertilizer Consumption( ) kg/ha kg/ha 4 Households availing banking services(14-15) 100 % 99.84% 5 Per Capita availability Milk 117 gm/day 295 gm/day ( ) Eggs 55 nos./annum 55nos,/annum 6 Monthly Per Capita Fish & 0.42 kg(rural) 0.27 kg(rural) Consumption( ) Prawns 0.44 kg( (rural) 0.24 kg(urban) Rs (rural) Rs (rural) Cereals Rs (urban) Rs (urban) Monthly Per capita Rs.32.32(rural) Rs.39.73(rural) Consume Expenditure Pulses 6 Rs.43.57(urban) Rs (urban) (MCPE) Fruits Rs.11.76(rural) Rs.19.18(rural) Rs.25.60(urban) Rs.42.02(rural) Vegetables Rs.68.64(rural) Rs.61.88(rural) Rs.88.96(urban) Rs.81.40(urban) Social Indicators 7 Sex Ratio(No. of females per 1000 males) % Decadal growth of population ( ) Birth Rate (2012) Death Rate(2012) Infant Mortality Rate(2012) Life Expectancy Male( ) Life Expectancy-Female( ) Literacy (2011) 73.45% 74.04% 15 Households access to safe drinking water(2011) 75.3% 85.5% 1

2 BANKING AT A GLANCE IN ODISHA AS ON 31 st December 2014 Particulars (Rs.in Crore) As on 31 st December Total Deposit (i) Total Advance utilized in the state (ii) Total Advance sanctioned and utilized in the state Total Business (Deposit + Advance) Credit Deposit (CD) Ratio (%) Benchmark-60% Credit Deposit Ratio excluding advance sanctioned in other state and utilized in our state a) CD Ratio of Rural Branches b) CD Ratio of Semi Urban Branches c) CD Ratio of Urban Branches CD Ratio of Commercial Banks excluding RIDF & advance sanctioned in other state and utilized in our state CD Ratio of Commercial Rural Bank Branches excluding RIDF and advance sanctioned in other state and utilized in our state Total PS Advance % of PS Advance to Total Advance Bench Mark-40% Agriculture Advance % of Agriculture Advance to Total Advance Bench Mark- 18% MSME Advance % of MSME Advance to total advance Advance to Weaker Section % of Advance to weaker section to PS Adv. Bench Mark 25% Total DRI Advance % of DRI Advance to total advance Bench Mark 1% Credit Investment to Deposit Ratio % NPA in % (Average in the state) 8.97 a) Public Sector Banks 9.44 b) Private Sector Banks 1.34 c) RRBs d) Cooperative Banks Total No. of Branches Of which: 2

3 a) Rural Branches 2485(54.78%) b) Semi Urban Branches 1190(26.24%) c) Urban Branches 860(18.98%) 20. Education loan B/O Housing Loan B/o Achievement under ACP under priority sector in % a) Crop Loan b) Agriculture Term Loan c) Agriculture Allied loan d) Total Agriculture e) MSE f) Education g) Housing d) Other Priority Lead Districts : 30 a) SBI 19 b) UCO 7 c) BOI 2 d) Andhra Bank 2 24 RSETIs : 29 a) SBI 17 b) UCO 7 c) BOI 2 d) CBI 1 e) Andhra Bank 2 25 RUDSETI : Canara Bank 1 26 FLCS : 103 a) SBI 19 b) UCO 7 c) BOI 2 d) Andhra Bank 2 d) OSCB 64 e) RRB 9 3

4 AGENDA NOTES OF 138 th SLBC MEETING AGENDA NO. 1 Confirmation of Proceedings of 137 th Bhubaneswar. SLBC meeting held on at The Proceedings of 137 th SLBC meeting held on at Bhubaneswar had been circulated among all the members of SLBC vide our letter No. SLBC/ODI/567/ dated Since no comments have been received from any quarter the same may please be confirmed. AGENDA NO. 2 Action Taken Report on major decisions taken in 137 th SLBC meeting held on Poin t No.. Action points Action to be taken by Action taken Opening of Brick & Mortar Branches. Banks have opened 237 branches in the state for the period to , out of which 142 are in rural centers, Banks like SBI, Canara Bank, HDFC bank have opened good number of branches (Details are given in Annexure -1) during the last nine months. 1. Progress of Implementation of Financial Inclusion Plan in the State. All banks/ LDMs During the current year, no branch was opened in Malkangiri district. Only one branch has been opened in each district of Boudh, Gajapati, Jharsuguda, Kandhamal, Rayagada & Sonepur. Provision of banking outlets in unbanked villages with population below 2000 As on , banks have covered villages constituting 77% of the total target. Out of these villages, 350 are covered through B & M branches and rest by branchless modes mainly through BC mode. (Details as per the Annexure- 2). The constraints like telecom connectivity. unstable and low voltage power supply are continuing in rural areas. The issues of BC agents engaged by 4

5 different banks are yet to be resolved. Progress under Financial Inclusion Programme (2013 to 2016) of Public Sector, Private Sector and RRBs as on December 31, 2014 is enclosed at Annexure 3 2. DRI Loans in favour of Persons with Disability(PWD) All Banks/ Director of Welfare/LDMs Total amount disbursed under DRI scheme is Rs crore in 2781 accounts during to , out of which Banks have disbursed 1053 applications amounting Rs.3.14 crore under DRI loan to persons with disability. The performance of the participating banks is not encouraging (Annexure 4). Banks are requested to achieve sanction and disbursement of minimum 10 applications per branch under the scheme for the current year. 3. Implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY) PMJDY ACCOUNTS AT A GLANCE IN ODISHA AS ON Total No. of villages covered Total No. of Sub Service Area covered 6276 Total No. of Wards covered % Saturation (Each household having 30 Districts 5

6 minimum one Saving Bank Deposit Account) No of accounts opened from to Rural 28,30,362 41,63,801 Urban -13,33,439 No. of accounts opened with Zero balance 32,15,665 % of Zero balance accounts to total account opened Total deposit balance under PMJDY accounts Rs Crore No. of RuPay Cards issued 28,38,690 No. RuPay Cards activated 21,04,754(74.14%) No. of Pass Books issued No. of Aadhaar seeded accounts % of Aadhaar seeding % No. of active BC Agents (Bank Mitra) 4481 Details at Annexure -5 District wise figure Annexure % completion of Household coverage with minimum one account under PMJDY and issuance of saturation certificate by the District Collectors. Except Jajpur, Boudh and Koraput district, SLBC has not received the saturation certificate from rest 27 districts. We request State authority to advise the District Collectors to issue the certificate at the earliest for on ward submission to Ministry of Finance, Govt. of India. Bringing Dairy Farmers within the Banking Fold under PMJDY SLBC has already requested the Chairman cum Managing Director of Odisha State Cooperative Milk Producers Federation Limited and Director, Animal Husbandry & Veterinary Services, Odisha to advise the dairy cooperative societies / institutions to ensure that all Milk Producers have a bank account so that the proceeds of milk sale will be credited to the account of Milk Product directly. We have also requested to provide the list of farmers not having bank accounts to the concerned Lead District Manager with a copy to SLBC for 6

7 opening of their accounts. We are yet to receive response from Odisha State Co-operative Milk Producers Federation Limited. The matter is monitored by Department of Financial Services, Ministry of Finance, Govt. of India. 4) Implementation of National Pension System (NPS)- Swavalamban Scheme under PMJDY. Swavalamban scheme is an important component of the PMJDY programme. SLBC has already requested all banks for their active participation in implementation of the scheme and achievement of the set target. Letter containing detailed guidelines and directions has already been communicated to all banks & LDMs. We have requested all LDMs to include the progress under the scheme as an important agenda for discussion in the DCC & BLBC meetings. Salient feature of National Pension System (NPS)-Swavalamban Scheme. The unorganized sector workers with limited income earning capacity are covered by the Swavalamban Scheme, a historic initiative of Govt. of India in collaboration with PFRDA to address their old age income protection needs. Any citizen of India (18 to 60 years old) belonging to the unorganized sector without coverage under any social security scheme is eligible to open a NPS- Swavalamban account. Swavalamban Yojana adds Rs. 1000/- per year to the Swavalamban account to help the subscriber to start building his pension corpus, if he contributes a minimum of Rs.1000/- and maximum of Rs.12000/-. The incentive is presently available till The scheme is implemented through Aggregators who are entities registered by PFRDA to operationalise the NPS- Swavalamban at the field level. The list of Aggregator is available on the website, The Aggregator will collect the money and issue a receipt to the subscriber. 5) Bank wise & Scheme wise Interest Subvention & Subsidy (State Govt) utilization for the period to Sl.No CLAIM RECEIVED AFTER 137th SLBC AND RELEASED UPTO For The Financial Year INTEREST SUBVENTION ON SHORT TERM CROP LOAN. 2% Name of the Bank Amount of loan Disbursed No.of A/cs (Amt. in Rs.) Amt.of Intt. Subvention utilized. 1 Andhra Bank 524,742, ,277,283 2 Bank of Baroda 104,281, ,830 3 Bank of India 1,848,738, ,024,917 4 Corporation Bank 19,796, ,480 7

8 5 Punjab National Bank 1,852,478, ,248,441 6 State Bank of India 11,045,668, ,799,637 7 Syndicate Bank 177,372, ,644 8 UCO Bank 1,150,399,442 16,515 6,541,209 9 Union Bank of India 456,252, Utkal Grameen Bank 4,509,032, ,345,391 Total 21,688,761, , ,779,523 INTEREST SUBVENTION ON AGRICULTURE TERM LOAN 1 Bank of India 10,091, ,757 2 State Bank of India 322,844, ,502,245 3 UCO Bank 2,795, ,136 4 United Bank of India 60,834, ,777 5 Utkal Grameen Bank 12,027, ,360 TOTAL 408,593,163 5,194 3,646,275 INTEREST SUBVENTION ON SHORT TERM LOAN (DAIRY) 1 Bank of India 125, ,592 2 State Bank of India 3,017, ,991 3 Utkal Grameen Bank 982, ,578 TOTAL 4,125, ,161 INTEREST SUBVENTION ON TERM LOAN(DAIRY) 1 Bank of India State Bank Of India Syndicate Bank Utkal Grameen Bank TOTAL CAPITAL INVESTMENT SUBSIDY( P.D.E). 1 Allahabad Bank 2,079, ,840 2 Andhra Bank 11,606, ,254,625 3 Axis Bank 130, ,000 4 Corporation Bank 90, ,000 5 IDBI Bank 813, ,660 6 Indian Bank 180, ,000 7 Indian Overseas Bank 695, ,410 8 Odisha Gramya Bank 29,421, ,827,173 9 Punjab National Bank 13,139, ,743, State Bank of India 3,260, , Syndicate Bank 1,198, , UCO Bank 3,635, , Union Bank of India 1,231, , United Bank of India 5,688, ,700, Utkal Grameen Bank 1,522, ,692, ,838,144 8

9 INTEREST SUBVENTION SHORT TERM (FISHERY) 1 Bank of India State Bankof India UCO Bank Utkal Grameen Bank TOTAL INTEREST SUBVENTION ON TERM LOAN (FISHERY) 1 Bank of India 5,803, ,738 2 State Bank of India 12,000, ,599 3 Utkal Grameen Bank 1,460, ,718 TOTAL 19,264, ,055 In the last SLBC meeting all Banks were requested to submit their claim to nodal bank (UCO Bank) for the half year September 2014 latest by 31 st November 2014 in the prescribed format. We are yet to receive claim from many Banks. Till date the loan module in the banking system in the state of Odisha has not been modified to take care of interest subvention of State Govt. The benefit is not passing upfront to the account of beneficiaries. Therefore, banks are requested to ensure timely submission of claim to the nodal bank. 6) Aadhaar Number Seeding. It is reported by the UIDAI (Annexure-7) that out of total population of 4.19 crore in Odisha, target population (five years above) is 3.85 crore, Biometric Entry (Enrollment) has been done till is 2.95 crore (76.62%), AADHAAR No. generated/uploaded for 2.75 crore (71.42%). Permanent enrollment centers facilitate speedy enrollment and 100 % enrollment may be completed by end of March ) Review on Banking Developments in Odisha in KEY Parameters as of December (Amt in Rs Crore) Parameters December 2013 December 2014 Variation over December 2013 % of growth over December 2013 No. of branches Deposits

10 Advances CD Ratio in % Credit Investments to Deposit Ratio Priority Sector Advances % of Priority Sector Advances to Total Advance Agriculture Advances % of Agriculture Advances to Total Advance MSME Advance Education Loan Housing Loan Advance to Minority Communities Advances to Weaker Sections % of Weaker Section Advances to PS Advances DRI Advances % of DRI Advances to Total Advances Branch Network As at the end of December 2014, the total number of Bank Branches in Odisha increased to During the period to , Banks have opened 237 new branches in the state. Out of 237 branches, Public Sector Banks, Private Sector Banks and RRBs have opened 188, 37 and 12 number of branches respectively. 10

11 Deposit Growth Deposits of the Banks in the state have increased from Rs Crore as of December 2013 to Rs Crore as of December 2014, registering an increase of Rs Crore. The year on year incremental deposit growth is %. Credit Expansion The total advances increased from Rs Crore as of December 2013 to Rs Crore as of December 2014, registering an increase of Rs Crore. The incremental growth is only 1.09 %. CD Ratio The Credit Deposit Ratio of all Banks in the state decreased from % as of December 2013 to % as of December 2014 due to increase in Deposit growth and low growth in advance portfolio. Priority Sector Advances The percentage of priority sector advances is % as of December 2014 against the national norm of 40 %. The incremental growth on year to year basis is %. Agricultural Advances The aggregate of agricultural advances extended by banks in Odisha have increased from Rs Crore as of December 2013 to Rs Crore as of December 2014, thus registering an increase of Rs Crore in absolute terms and 8.96 in percentage terms. The share of agricultural credit in total advances as of December 2014 is % against the national norm of 18 %. Micro, Small & Medium Enterprises (MSME) The advances to MSME during the period under review have witnessed an increase from Rs Crore as at December 2013 to Rs Crore as at December 2014, thus registering an increase of Rs Crore in absolute terms and 4.00 in percentage terms on year to year basis. Education Loan A decrease of Rs Crore under Educational Loan represents a negative growth. Housing Loan The housing loan balance outstanding has increased from Rs crore as on to Rs as on , registering an increase of Rs crore in absolute terms. The incremental growth on year to year basis is %. 11

12 Advances to Weaker Sections The advances to Weaker Sections increased from Rs crore as of December 2013 to Rs Crore as at December 2014.The share of weaker section advance to Priority Sector advance is % against the bench mark 25 %. DRI Advance Against the national goal of 1% of the previous year s Gross Bank Credit, only 0.21% of the total credit could be given under the DRI scheme in the state by Commercial Banks as at December AGENDA NO.3 NPA & Overdue position as on The NPA % of the State is 8.78 and overdue % is which is at much higher side and alarming. Rising NPA in Odisha is a matter of great concern The Bank wise and Sector wise NPA position is given in Annexure 8. For PMRY / PMEGP / SJSRY/ SHG / WCC, the NPA & Overdue % is too high, which can only be rated as unsatisfactory. The Banks are unable to recycle the funds owing to non repayment of loans, mounting overdue and rising NPA %. Banks & Govt. Departments have to make joint endeavor with specific strategies to improve the recovery performance for better recycling of funds. State Govt. is requested to constitute a recovery mechanism which will help the Banks in turn to encourage credit flow to the different sectors. Sector wise NPA & Overdue % as on Sl. No. Sector NPA % Overdue % 1. Short term crop loan Agriculture Term Loan Agriculture Allied Total Agriculture MSME Sector Education Loan Housing Loan Total Priority Sector Total Advance

13 Schemewise NPA & Overdue % as on Sl. No. Sector NPA % Overdue % 1. PMEGP/PMRY SHG SJSRY Weaver Credit Card Under OPDR Act Cases involving Rs crores are pending for disposal by Certificate Courts. The detailed bank wise and district wise position in respect of Odisha Public Demand Recovery Act and Odisha Agriculture Credit Operation and MISC Provision (Banks Act) is given in Annexure 9. Request to Govt. of Odisha for amendment in OPDR Act.1963 for improving Recover Performance SLBC has suggested to State Govt. that the present Public Demand Act of UP, MP, Rajasthan etc. may be followed in our State for improving recovery performance under different Govt. sponsored schemes. We have also requested all the controlling heads of banks to give any valuable suggestions to be incorporated in OPDR Act for improving recovery performance of the state. The suggestions of banks may be forwarded to State Government for consideration. Schemes to be covered under OPDR Act in Odisha At the request of SLBC, State Government proposes the following schemes for covering under OPDR Act, Name of the schemes: All schemes requiring composite loan sponsored by District Industries Centre (DIC) as well as all subsidy and interest subvention linked schemes implemented in the State by different Departments of the State Government and Financed by the Banks operating in the state. SLBC vide its Letter No. SLBC/ODI/742/ dated has requested all banks to closely examine the above paragraph and offer comments on any modification if required. We have not received any comments till date. Suggestion of the banks is requested in the matter. 13

14 AGENDA NO.4 Fresh Issues The Central Registry of Securitization Asset Reconstruction and Security Interest of India ( C E R S A I ). CERSAI is a company promoted by Central Government and 11 major banks to prevent frauds involving multiple lending by different banks on the same immovable property. The object of the company is to maintain and operate a Registration System for the purpose of registration of transaction of securitizartion, asset reconstruction of financial assets and creation of security interest over property. The Registration is applicable to transactions of Security interest over property created to secure loans and advances from the banks and financial institutions as defined under SARFAESI Act. All member banks are requested to ensure that all transaction related to immovable properties done by them are registered on the portal of CERSAI within the prescribed period. A confirmation certificate to this effect to be submitted along with the other data on quarterly basis to the SLBC on the given format (Annexure- 10) Re-launch of Modified Direct Benefit Transfer for LPG Consumers (DBTL) Scheme. Based on the various directions from Government of India, Oil Marketing Companies (OMCs) have re-launched the DBTL Scheme in 54 districts on 15 th November, 2014 in the 1 st phase and rests of the districts have been covered under the scheme from 1 st January, Option to receive LPG subsidy Under the modified Scheme, the LPG consumer can now receive subsidy in his bank account by two methods. The two Options are: Option-I (Primary): Wherever Aadhaar Number is available it will remain the medium of subsidy transfer. The LPG Consumer who has an Aadhaar Number should seed the Aadhaar Number to his bank account through Form No.1 by depositing the form at Bank Branch or drop box at LPG distributor s points. And again, the consumer should link his Aadhaar Number within his LPG Consumer Number through Form -2 by depositing the Form to the LPG Distributor. Option-II (Secondary): If the LPG consumer does not have an Aadhaar Number, then he can directly receive subsidy in his bank account by choosing either of the two methods. Method-1: The LPG consumer should link his bank account details (Account holder s name, Account Number, IFSC Code) through Form No.4, submitted to the LPG distributor for capturing it in the LPG data base. Through NPCI, OMCs would send the bank details to the Banks for validation. 14

15 Method-2 : The consumer should submit his 17 digit LPG Consumer ID details in form no.3 to his bank branch for seeding the same in the account number and to send it to the OMC through NPCI. Specimen of the Form No.1, 2, 3 & 4 (Annexure 11)are enclosed for ready reference. Standard Operating Procedure for the roll out of DBTL details have already been provided to all Member banks through our letter Progress on implementation DBTL in our State LPG and Bank Seeding Status as on Total no of LPG distributors in the State No of LPG Consumers 24,26, % of LPG Aadhaar Seeding as on date % of Bank Aadhaar Seeing (ATC) as on date % of Bank Account Seeding verified as on date % of Cash Transfer Compliant (CTC= ATC + BTC) as on date Details at Annexure- 12. Crop Insurance:- Government of Odisha vide their Resolution No.9371dated 2 nd December,2014 have notified to implement the National Agricultural Insurance Scheme (NAIS) during Rabi crop season in the state for Paddy,Groundnut Mustard & Potato. The above notification has already been circulated by SLBC vide letter dated to all banks. All Banks are requested to ensure 100% coverage of crop loans sanctioned to notified crops in notified areas under crop insurance scheme. Agriculture Insurance Company of India Ltd. Regional Office, Bhubaneswar is requested to provide data relating to coverage of crop loans under Crop Insurance to SLBC to review the progress. 15

16 AGENDA NO.5 Branch Expansion in Odisha. Branch As on As on As on As on a)rural 1959(54.49 %) 2055(53.74%) 2335(54.54%) 2485(54.78%) b)semi-urban 901(25.06 %) 1021(26.70%) 1143(26.70%) 1190(26.24%) c) Urban 735(20.45%) 748(19.56%) 803(18.76%) 860(18.98%) T o t a l Branch Network in Odisha. Banks As on As on As on As on Public Sector Private Sector RRBs Total Commercial Banks Co-operative Banks Total Bank wise and District wise branch network as on is enclosed in Annexure 13 Bank wise branch opening for the period to is enclosed in Annexure 14 16

17 Position of ATM installation in the State as on Sl. No. ATM Position Number 1 No. of Onsite ATMs No. of Offsite ATMs Total No. of ATMs 4989 Out of which I No. of ATMs in Rural Branch 1380 II No. of ATMs in Semi-Urban Branch 1870 III No. of ATMs in Urban Branch 1739 Bank wise and District wise ATM position are enclosed in Annexure 15 The present status of branch & ATM opening in the state indicates that banks are yet to give due importance for opening of new branches in unbanked area. Branch opening in Unbanked Gram Panchayats Against a target of 1118 for the year , 91 branches have been opened in the Unbanked GP as on Most of the Banks have not opened Brick & Mortar Branch in their allotted unbanked GPs. In spite of repeated request of SLBC except Bank of Baroda, Corporation Bank, Union Bank of India, Axis Bank, ICICI Bank, UCO Bank, IOB, IDBI, OGB & Indian Bank, other Banks have not submitted road map year wise identifying the Unbanked GPs for opening Brick and Mortar branch. The Banks those have not submitted the roadmap, are requested to ensure submission of the same immediately to SLBC for monitoring. It has been decided that, once the list of 4597 Unbanked GPs with power supply and broadband availability is finalized, the district wise lists of GPs, banks allotted and targeted month/year of branch opening will be sent to the respective Collector, requesting the District Administration to drive the branch opening programme on priority basis. The district administration will also be requested to include bank branch opening programme in their Security Protocol. The quarter wise bank branch opening target will be reviewed bank wise at every DCC / DLRC meeting in the district concerned. 17

18 We are producing the minutes of the Meeting on Internet Connectivity and Power Supply issues at Unbanked GPs held on under the chairmanship of Additional Chief Secretary, Finance. 1. BBNL informed that out of the 1000 GPs target for providing high speed internet connectivity by March 2015, about 250 GPs already have high standard of connectivity. The list of these 250 GPs may be immediately provided by BBNL and clearly indicated in the Unbanked GP chart on SLBC website. 2. BSNL has already provided the list of telephone exchanges where broadband connectivity was available. The latitude/longitude of such Exchanges vis-à-vis the location of the GP Headquarters may be plotted by BSNL on Google Map for the benefit of banks desirous of opening branches. 3. It was decided that 3 phase power supply should be a mandatory requirement for opening a new bank branch. Accordingly, a separate column for 3 phase line availability may be included in the Unbanked GP Monitoring Chart uploaded on SLBC website. 4. It was informed that 4425 GPs in Odisha already have 3 phase power supply. GPs having 10 KVA supply may be clearly indicated in the Unbanked GP monitoring Chart uploaded on SLBC website. 5. Regional director, RBI, suggested that, in every district there should be a contact person representing various agencies involved in the bank branch opening process. The Lead District manager will be the contact person on behalf of all Banks in the district. Accordingly, BSNL, BBNL and GRIDCO may provide the list of their Contact Persons (with phone number) at District Level. 6. Although BBNL had been designated as Executing Agency for implementation of the National Optical Fibre Network (NOFN) project, the actual work execution has been assigned by BBNL solely to M/S Power Grid Corporation of India Limited (PGCIL). As such, it was decided that, in order to address the Right of Way (ROW) issues being faced by PGCIL, necessary instructions may be issued to all concerned to facilitate BBNL and PGCIL in executing the ambitious GP connectivity programme. All the stake holders are taking effective steps to address the issues of internet connectivity & power supply in the rural areas. VIP Reference for opening of branches. Banks have been advised by Ministry of Finance, Govt. of India that VIP reference for opening of new branches are to be examined within one month to ensure timely disposal of the references. Ministry of Finance also advised the banks that invitations are to be given to the public representatives at the time of opening of branches, the concerned MP who requested for opening of the branch, should be specifically invited. The member banks are requested to take note of the above directives of Ministry of Finance and study the feasibility of opening of a branch. 18

19 AGENDA NO.6 Banking Key Indicators The details of Bank wise deposit, advances & important banking key indicators are given in Annexure 16 (a) CD Ratio (All banks): Basing on total utilization of advance in the state Banks Public Sector Private Sector RRBs Cooperative State Basing on advance sanctioned and utilized in the state Banks Public Sector Private Sector RRBs Cooperative State CD ratio of the State as on computed on the advance figure of sanctioned in other state but utilized in our state as per Thorat Committee is %. CD Ratio computed on advance sanctioned and utilized in the state is 49.99%. Area wise CD Ratio is at Annexure- 16 A. 19

20 (b). Major Key indicators (Commercial Banks only) (Amount in Rs. Crore.) Parameter Variation of growth over December 2013 Variation of growth over December 2013 in % No. of branches Deposit Advances CD Ratio in % Investment Credit+ Investment Deposit Ratio to Priority advances Sector Agril. Advances MSME advances Advance Weaker section to Major Ratios: (Commercial Banks) Sl. No. Ratios In % RBI stipulation As on As on C D Ratio P.S.Advances Agril. Advances Weaker Section advance to P.S. Advances Observation :- Commercial Banks in Odisha have achieved all national parameters. 20

21 District wise CD ratio as of & for all Districts of Odisha. (Amt. in Rs. Crore) SL. NO. DISTRICT NAME Deposit Advance CD Ratio Deposit Advance CD Ratio 1 ANGUL BALASORE BHADRAK BARAGARH BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR

22 19 KHURDA KORAPUT MALKANGIRI MAYURBHANJA NAYAGARH NOWRANGPUR NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH The Advance figure of excludes the amount sanctioned in other state and utilized in our state. It is observed that only in 5 districts (Nayagarh, Sonepur, Boudha, Dhenkanal, Kalahandi and Bhadrak) have achieved CD Ratio of more than 60 %. Districts having CD Ratio below 40%: Puri, Gajapati, Ganjam, Kandhamal, Kendrapada Malkangiri, Sambalpur, Jagatsinghpur,and Mayurbhanj. The LDMs of those Districts having CD Ratio below 40 % should constitute sub-committee of DCC to review the same and take appropriate steps to improve the CD ratio. AGENDA NO.7 STATE FOCUS PAPER, IN ODISHA The State Focus Paper (SFP) for has already been launched by NABARD, Bhubaneswar on 30 th January, The State Focus Paper Project an overall credit potential of Rs Crore for priority sector in the state of Odisha during , out of which the Agriculture and Allied Sector Accounts for Rs crore(55%). Appropriate aggregation of the potentials highlighted in district wise potential linked Credit Plan (PLPs) has been done and indicated in the SFP for use by various developmental and financial 22

23 agencies. The PLPs depict an analytical assessment of the bankable potential for various sectors in the rural economy and the infrastructure and support services required for harnessing the potential. The SFP for is envisaged to serve as a road map to the Lead District Manager for preparation of Annual Action Plans for investments under priority sector during the ensuring financial year in the District (A) Achievement of Annual Credit Plan(ACP) :- Achievement under Annual Credit Plan (District wise & Bank wise) as on (LBS- MIS-III) is enclosed in Annexure 17. Performance under major segments of Priority Sector are reproduced below. (Amount in Rs. Crores) Sl. No Sector Target for the year Achievement upto % of Achievement 1 Agril and Allied (Direct) i) Crop Loan ii) Term Loan iii) Allied Loan Agril and allied Indirect MSE Education Housing Other Priority Sector Total Priority Sector The above data reveals that the performance of Banks under ACP for the period to is %. All the Controlling Head of Banks and LDMs in the State are requested to ensure that the target allocated is achieved before 31 March Banks are advised to accelerate investment credit for agriculture and allied activities for sustainable growth of priority sector lending to increase food production and productivity in Odisha. 23

24 (B) Brief Analysis of Trend in Agriculture Credit. Outstanding: (Excluding RIDF) (Amount in Rs. Crores) Years Share in % Share in % Share in % Commercial Banks(Excluding RRB) RRBs Co-op Banks Total AGENDA NO.8 Agriculture.- Bank wise Performance of Crop Loan & Term loan for the period to is encosed in Annexure - 18 A) Kissan Credit Card(KCC):- The Bank wise achievement made under KCC as on is enclosed in Annexure 19. It is observed that Banks have disbursed Rs crore in KCC accounts during to , out of which fresh KCC has been issued in accounts disbursing Rs crore. Total outstanding balance as on is Rs crore in no. of KCCs. No KCC has been issued so far by the following banks Public Sector Banks Bank of Maharastra, State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Travancore and Bharatiya Mahila Bank. Private Sector Banks Indus Ind Bank, ING Vysya Bank, Karur Vysya Bank, Kotak Mahindra Bank Ltd., Laxmi Vilas Bank, The South Indian Bank Ltd, DCB, Karnatak Bank Ltd. & Yes Bank. 24

25 B) Agriculture Allied Sectors (Fishery & Dairy). Name of Govt. Loan schemes in Animal Resources Development Sector Sl No 1 2 Name of the Scheme Promotion of Dairy Entrepreneurship Interest Subvention of Short Term Loan No. of Applications pending Number Amount (Lakhs) Interest of Long Term Loan It has been reported by the Director, Animal Husbandry & Veterinary Services that the above mentioned number of loan applications (Annexure-20) are pending with various Banks. Banks are requested to ensure disposal of loan application as per RBI guidelines. Fishery : The Director, Fishery informed that 1120 nos proposals for development of ha water area amounting to Rs lakh for pond development under under FFDA, NFDB and NMPS schemes have been sponsored to different banks. The details of bank-wise pending position including the cases pertaining to previous under the said scheme upto is given in Annexure- 21. Bank wise progress made on Financing under different schemes of Allied Agriculture Sector is given in Annexure 22. All Banks should give more importance for credit delivery to different schemes of allied sector which is supported by subsidy and interest subvention scheme of state government. All the member Banks are requested to dispose of the pending loan applications and ensure timely sanction and disbursement of loan application. Any return / rejection of application is to be informed to the loan application sponsored Department with reasons. 25

26 AGENDA NO.9 Financing to MSME Sector :- MSME is an important sector providing maximum employment opportunities to people. The position of finance to Micro & Small Enterprises in the State as on is as follows. Amount in Rs. crore Particulars Balance outstanding as on Balance outstanding as on A/cs Amount A/cs Amount Micro Enterprises Small Enterprises Total MSE Share of advances of Micro Enterprises to MSE (% ) Total MSME Observation :- The advance to MSE as on has registered negative growth over the 31st December The allocation of Micro Sector to MSE advance at end of December 2014 is % against the parameter of 60 %. Member Banks should ensure achievement of 60% norm. Details of bank wise position under MSME (Manufacturing Sector) is given in Annexure 23 26

27 (Amount in Rs. Crore) CREDIT FLOW TO MSME (MANUFACTURING) SECTOR FOR THE PERIOD to MICRO ENTERPRISES SMALL ENTERPRISES MEDIUM ENTERPRISES TOTAL MSME (MANUFACTURING) (MANUFACTURING) (MANUFACTURING) (MANUFACTURING) SECTOR Name of Bank No of case Balance No of Cases Balan ce No of case Balance No of Cases Balance A/c Amt. A/c Amt. A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt TTotal Comm Banks No of cases disbursed from to Balance outstanding as on Bank wise performance on MSME is enclosed in Annexure 24. The share of MSME advances to total advances as of is %. Inclusion of EM-I & EM-II in the check list of Commercial Banks for financing MSME proposals. It is suggested by Director, Industry that all commercial banks should insist for submission of EM Part I by the entrepreneurs positively at the time of financing MSMEs and after finance is completed and enterprises start production / Service, the bank may insist the borrower for EM part II. By this way, the data on name financing bank, employment, product / service, finance & category of units established in each district can be captured easily through EM-I & II issued by RICs/ DICS. Rehabilitation of Sick Units in Micro and Small Enterprises. Analysis of data received from 21 major banks operating in the State by RBI, Bhubaneswar, reveals that out of the sick units at the end of September,2014, 8754 units are in manufacturing sector and are in Services Sector. The increase in no. of sick units in manufacturing units is about 50 % as compared to June 2014 quarter. Out of the sick units, Potentially Viable units are only 916 (Amt. Rs crore), Non-Viable units are (Amt. Rs.573 crore) and Units where viability study is to be undertaken are 1138(Amt. Rs crore). The percentage of Non-Viable units to total units is 92.30% and only 3.5% of the total units are under viable category. Out of 916 viable units, 808 units have been put under nursing (about 88%). 27

28 RBI, Bhubaneswar has expressed concern over the no. of units being classified as Non- Viable and requested all the banks to comply with the RBI guidelines on sick units. Also, while sending data on sick units, banks may highlight the main reasons for the non-viability for fruitful discussion in the review meeting. Status of Specialized MSME branches : Public sector banks were advised to open at least one specialized branch in each district. Further banks have been permitted to categorise their general banking branches having 60% or more of their advances to MEME sector. The Govt. of India also had advised public sector banks to ensure specialized branches in identified clusters / centers with preponderance of small enterprise to enable the entrepreneurs to have easy access to credit. 15 out of 30districts do not have any specialized MSME branches. The districts are Bolangiri, Boudha, Gajapati, Jajpur, Jgainghpur,Kalahandi, Kandhamal, Kendrapada, Koraput, Malkangiri, Nabarngpur, Nayagarh,Nuapada, Rayagada, and Sonepur. Banks are requested to come forward to do the needful in opening specialized MEME branches. AGENDA NO.10 RSETI A) RSETI Functioning.(Progress for the period to ) No. of programmes conducted 531 No. of trainees trained as against a target of for March 2014 set by MORD 15048(76% achievement) Total no. of trainees settled 9586 Settlement Ratio ( Details in Anexure- ) No of RSETI S trained candidates settled with Bank Finance 2952 No of RSETI S trained candidates settled with self finance 4722 % of Bank Finance to total settlement RSETI wise performance for the period to is enclosed at Annexure

29 B) Issues :- (i) Pending claims in DRDA: Training reimbursement claims of RSETI pending in DRDA Boudh,Cuttack and Nuapada in spite of funds available in DRDA. Several reminders have been given to Collectors of Boudh and Cuttack to settle the claims, still there is no improvement. In other districts claims are pending due to non-availability of funds. On receipt of funds from MoRD, the same will be cleared. RSETI wise claim pending is at Annexure Panchayati Raj Department is requested to ensure timely settlement of claims submitted by RSETIs to DRDAs. (ii) Residential Training Facilities in RSETIs Inspite of allotment of land to the RSETIs, there is delay in commencement / completion of construction of buildings. The sponsoring Banks may ensure that the building construction is completed as soon as possible so that quality residential training can be provided in RSETIs. DRDA is requested to provide necessary support to address issues relating to allotment of land/permissive possession of land / approval of construction plans by municipal authorities. RSETIs may ensure residential training is provided. The status of residential facilities in RSETIs & construction of RSETIs is at Annexure AGENDA NO.11 Finance to Weaver Sector: Waiver of Overdue loan of Individual Weaver / SHGs/JLGs The individual weavers overdue loan outstanding in respect of weavers have been waived out, the issue of weavers credit card to the concerned weavers is not up to the mark though it is precondition to sanction fresh loan to the concerned weavers whose loan have been waived off. It is reported by the participating banks that 8054 number of beneficiaries have been refinanced with amount Rs crores (Annexure- 28). As reported by Director, Handloom & Textiles Dept, Odisha that total no. of fresh WCC issued for the half year ended September 2014 is 1580 against the target of 20,

30 The Bank wise performance as on is furnished in Annexure 29. Bank wise target for issuance of 20,000 number of WCCs for the year has already been communicated to the participating Banks. All the participating Banks are requested to ensure timely claim & release of margin money and interest subvention. AGENDA NO.12 Financing Under Self Help Groups (SHGs) The target and achievement as on 31 st December 2014 is as follows SHG-Bank linkage Target for FY Achievement as on 31 th December 2014 Physical Financial Physical Financial Details of SHG performance Annexure-30 Interest Subvention scheme under NRLM Status of Implementation of Interest Subvention in Odisha: 1. Progress in respect of Claims of commercial banks and 2 RRBs have submitted claims for NRLM Interest Subvention for charging 7% interest to WSHGs amounting to Rs.7.76 Cr. 12 commercial banks have submitted claims for 3% under NRLM Interest Subvention for prompt repayment in category-i districts amounting to Rs.1.78 Cr. Details at annexure. OLM has released Rs.3.55 Cr to 9 Banks that have submitted claims under Government of Odisha Scheme of Interest Subvention at the rate of 2% resulting effective rate to numbers of WSHGs in category I districts. Andhra Bank, Allahabad Bank, Bank of Baroda, Bank of India, Bank of Maharashtra, Central Bank of India and Vijaya Bank have not submitted claim for additional interest subvention under State Scheme of Interest Subvention. OLM has requested Canara Bank to share status of Interest Subvention in Category-I districts on a regular basis. Banks should regularly upload transaction details in NRLM web site to facilitate interest subvention in category II districts. Status of Interest subvention in Category-I districts is enclosed at Annexure

31 Issues relating to submission of claims and uploading of Data Submission of Claims by State Cooperative Banks: State Mission Director cum CEO in his letter no. 3657/14 dated 22/12/2014 addressed to Managing Director, Odisha State Cooperative bank has advised that as OSCB and DCCBs have become CBS compliant, they may prepare interest subvention claims in respect of category I districts, manually, and submit to NABARD for reimbursement. Similarly they may submit claims to UCO Bank, Secretariat branch in respect of the State Government Scheme. But till date no response has been received from the bank. The bank may appraise the position in this regard. Uploading of Data: Officials from NMMU-NRLM, Government of India visited OGB and OSCB to discuss about uploading transaction details in the NRLM web site so as to facilitate release of interest subvention in category II districts. Till date both the banks have not uploaded the transaction data with NRLM. The progress may be appraised to the house by OGB and OSCB since non up loading of data deprives the poor SHG s from interest subvention 3. Submission of Claims Relating to RBI vide its letter dated 9 th December 2014 has advised the Public and Private Sector Banks to submit claims relating to year Similarly NABARD vide its letters dated 11 th November 2014 has advised RRBs and State Cooperative banks circulated MORD guidelines for submission of interest subvention claims for the year Public and Private Sector Banks may submit claims pertaining to the year to Canara Bank. RRBs and Cooperative Banks may submit claims pertaining for the year to NABARD in respect of Government of India scheme. All banks may submit claims pertaining to the year to UCO Bank Secretariat branch in respect of State Government Scheme. Details of claims submitted may be forwarded to OLM Mission Yuva Shakti Mission Yuva Shakti is a convergence programme which focuses on tapping the existing potential of the youth and building their capabilities and making them socially and economically empowered, in order to improve their quality of life so that they can contribute to the overall development of the society. The details of the two components whose implementation where banks have a role to play, are as follows: 1. Micro Enterprises- Joint Liability Groups: (a) Features: Informal group of 4 to 7 individuals coming together for starting a micro enterprise. Age

32 Youth will be mobilized by the GPLF/BLF under the supervision of DRDA. GP level camps by GPLF/BLF/NYKS/NSS for identification of youth. Two types of training for capacity building: Skill training: duration differs based on the type of enterprise. Not to exceed 30 days Soft Skill training for better communication skills, management skills, entrepreneur skills etc. Identification of training partners at the district level which may include RSETIs, ITIs, ITCs, other technical institutions and NGOs. Interest free loan of Rs to each JLG. Bank linkage through Micro Enterprise Plan. Prompt repayment JLGs to get at 2%. Technical and handholding support to JLG- micro enterprises for 2 years. Support from banks: Banks may provide necessary support for identification and promotion of JLGs and provide credit support for setting up the enterprises. 2.Financial Literacy Programme (a) Features Facilitate financial inclusion through knowledge of financial products and services, educating common people on financial planning and avoidance of risk of investment. 150 youth within the age years in each block( Junior- 13 to 20 years of age and Senior Youth graduates Above 20 years to 35 years) Each batch and 2 trainers. Junior level segment by incorporation in course curriculum and Senior level segment through a 2 day training programme. (b) Initiatives so far: Study materials developed by NABARD in the form of booklet and flip chart will be used for the purpose. Permission of NABARD has been received for use of their material. 32

33 It is planned to conduct one batch of 30 participants per block in the senior category in all the 314 blocks. A meeting of RBI, NABARD and SLBC will be convened to finalize the training module RSETIs will be advised to reserve slots for the training programmes. (c) Support from Banks: Banks may provide necessary faculty support and also use the trained youth to act as Business Correspondent Agents/Common Service Providers/Business Facilitators. AGENDA NO.13 Finance to Handicraft Finance to Artisans/SHGs under the scheme of Modernization & Technical Upgradation of Handicraft Industries. 1. In order to enhance the productivity of the handicraft items, under the scheme Modernization & Technological Up-gradation of Handicraft Industries (M.T.U.H.I) an amount of Rs lakh is available towards release of Subsidy for all Sanctioned & Disbursed cases. During , 246 no s. of applications have been received in different Districts & till date 138 applications have been already sponsored to different Commercial Banks by the DICs / RICs, out of which only 13 cases have been sanctioned whose detail is placed at Annexure Rehabilitation of Handicraft Artisans. Margin money assistance is provided to individual 20% of the project cost (upto Rs )with maximum ceiling of Rs.10,000/- per artisan to avail Bank loan for setting up own handicraft production unit. During , till date 731 applications have been sponsored to different Commercial Banks by the DICs / RICs against a target of 503, out of which only 78 cases have been sanctioned whose details is placed at Annexure -31. It has been informed by the Director, H&C.I. Odisha that Revised cut-off date for sanction & disbursement of loan by the bankers is extended up to Revised cut-off date submission of subsidy claim proposal either by Banks/DIC/RIC to Directorate of H &C.I is extendd upto Revised cut-off date for release of subsidy to bank I extended upto

34 All the schemes in respect of Handcraft sector may be covered under CGTMSE scheme. Accordingly all the banks are requested for covering the same and to achieve the target. AGENDA NO.14 Progress under Govt. Sponsored Programmes A) PMEGP :- The PMEGP target (Bank-wise, District-wise, Agency-wise) of Odisha State for the year has already been communicated to all participating banks and LDMs. Performance of PMEGP for the year as on Implementing Agency Target No. Units of M.M Emp (Nos) KVIC KVIB DICs TOTAL Bank-wise Target & Sponsored applications position as on Amt. in Rs. lakhs Sl. Target Sponsored No. Name of the Bank No. Margin No. Margin Money Money 1 State Bank of India UCO Bank United Bank of India Odisha Gramya Bank Indian Bank

35 6 Bank of India Union Bank Central Bank of India Indian Overseas Bank Punjab National Bank Allahabad Bank Bank of Boroda Canara Bank Syndicate Bank Andhra Bank Major Bank Total Oriental Bank of Comm Utkal Grameen Bank Axis Bank IDBI Dena Bank Corporation Bank State Bank of Hyderabad State Bank of B & J Vijaya Bank Punjab & Sind Bank Bank of Karnatak Other Bank Total Grand Total

36 Major Banks constitute 94.20% of the financial target; A review meeting on progress of implementation of PMEGP was held on under the chairmanship of Chief Secretary, Odisha. Since the progress on sanction of loan applications was not satisfactory, Chief Secretary advised the participating banks to complete the sanction of loan applications latest by 20 th February 2015 and ensure achievement of given target for As EDP training has been mandatory before the disbursement of 1 st installment of loan under PMEGP, the said timeline was fixed so that EDP training to the beneficiaries, disbursement of loan and release of margin money (subsidy) can be completed by Participating banks are again requested to adhere to the given time frame. B) National Urban Livelihood Mission (NULM) Target under NULM for the year Annual target for has already been communicated to 33 Municipality in different Districts under Self Employment Programme (SEP), Employment through Skills Training & Placement (EST & P) and Social Mobilization & Institution Development (SM & ID) component of NULM. Against the target of 3000 in respect of SEP-Individual, 1285 no of applications have been sponsored to Banks and 46 cases have been disbursed. Against the target of 699 in respect of SEP-Group, 30 no of applications have been sponsored to Banks and 4 cases have been disbursed. Statement showing information on SEP till December 2014 (Annexure - 32 ) C. Financing under SC/ST Schemes:- 1. During the financial year , the Corporation has fixed target for financing Sch. Caste families through 2100 Self Help Groups, Sch. Tribes through individual and SGHs under Credit Linked Income Generating Schemes through Banks. The District-wise sponsoring of applications, sanction and disbursement position for the year is enclosed in Annexure 33. As reported by Odisha SC & ST Development Finance Co-operative Corporation Limited, the State wise progress is as under. SCs STs Target Achievement 2394 (11.40%) 738 (12.30%) 36

37 Total amount disbursed under SC Sector by different Banks is Rs lakh and subsidy amount is Rs lakh. Total amount disbursed under ST sector by different Banks is Rs lakh and subsidy amount is Rs lakh. Banks are requested to sanction the eligible cases and disburse by end of this month to achieve the target. Sector wise finance to SC/ST Categories by different Banks is enclosed at Annexure Joint Liability Group (JLG):- JLGs have emerged as successful non-collateralized credit instruments for financing livelihood activities of small farmers in general and tenant cultivators in particular. Bank-wise & District-wise target for financing JLGs (Only Farming Activities) during the year received from NABARD has already been communicated to all the Banks and the LDMs with request to achieve the target. Financing of JLGs for non-farm activities will continue, over and above the allocated targets for Joint Farming Groups. LDMS have been advised to monitor the progress in the DCC/DLRC meetings. SLBC has already requested all banks to submit monthly progress report on financing to Joint Farming Group in the format (Annexure - 35 ) given by NABARD. As Govt. of India desires to have detailed segregated data on financing of new JLGs and those received repeat finance, we have requested all banks to furnish JLG data as per format (Annexure- ) given by NABARD. The time line for submission of the information to NABARD was We request participating banks to ensure submission of the information to SLBC immediately. Total amount disbursed for the period to is Rs crore in accounts and balance outstanding as on is Rs crore against accounts. The achievement made by banks as on is given in Annexure 36. D. Artisan Credit Card (ACC):- The state of Odisha is having abundant scope for skill development of Rural artisans. Issuance of artisan credit cards should be a priority of Banks & Banks should take steps to finance more under artisan credit card (ACCs) to all eligible persons. During the period of to , the Banks in the state have issued 302 no. of artisan credit cards with amount Rs.2.11 crore. The balance outstanding as on is Rs crore against 8145 accounts. The bank wise achievement is furnished in Annexure

38 E. Swarozagar Credit Card (SCC): SCCs have been issued for the period to The balance outstanding as on is Rs crore against accounts. No SCC is being issued by all Private Sector Banks and some Public Sector Banks. The performance other banks is not at all impressive and needs lot of improvement. Bank wise achievement is furnished in Annexure 38. AGENDA NO.15 Education Loan: All commercial banks have disbursed Rs crore in 9858 accounts during to The balance outstanding as on is Rs crores in accounts. The outstanding balance as on of all private sector banks is only Rs crores in 196 number of accounts. Bank wise performance is enclosed in Annexure 39. AGENDA NO.16 Housing Loan Performance of all banks under Housing Loan as on is given below. (Amt. in Crores) Disbursement made during the current year ( to ) Balance outstanding as on NPA outstanding as on No. of A/c Amt. No. of A/c Amt. No. of A/c Amt Bank wise performance as on is enclosed in Annexure 40. Progress under Rajiv Rinn Yojana (RRY) for the year Against a physical target of 5000, only Central Bank of India financed 24 cases. Other banks are requested for active participation in financing under RRY scheme. (Annexure-40) 38

39 AGENDA NO.17 Implementation of Prime Minister s New- 15 Point Programme for Welfare of Minorities Progress / Achievement made for Financing under Minority Communities. Ministry of Finance, Govt. of India has advised that the share of credit flow to minority communities of Public Sector Banks (PSB) should be 15% of the Priority Sector Advances. During to , the Banks have extended credit of Rs crore to beneficiaries of minority community. The outstanding balance as on is Rs crore in accounts. Bank wise performance is enclosed in Annexure 41 Lead District Managers are also have been requested to discuss the matter in DCC meeting and monitor the progress. AGENDA NO.18 Advance to Weaker Sections: The advances to Weaker Sections increased from Rs crore as of March 2014 to Rs crore as at the end of December 2014 and constitutes % of Priority Sector advance against the national norm of 25 %. AGENDA NO.19 Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Scheme Progress made by banks for the last five years. SIDBI, Bhubaneswar has given the following information on CGTMSE Coverage in our state (Year wise). At the end of the year Proposals covered during the year No. of Accounts Amount in Rs. Crore to

40 Odisha ranks 8 th among all the States in India in respect of MSME coverage under the guarantee scheme of CGTMSE. Bank-wise analysis reveals that SBI has sanctioned highest quantum of loans followed by Bank of India for the period to District-wise analysis reveals that Khordha has highest coverage followed by Cuttack. After amalgamation of RRBs, both Odisha Gramya Bank & Utkal Grameen Bank are not participating in CGTMSE guarantee scheme as they are not the Member Lending Institution of Credit Guarantee Trust Fund. Therefore, credit flow to MSME sector is restricted as CGTMSE is not available. Both chairman of RRBs may comment on this issue. Bank wise and District wise CGTMSE coverage approval is enclosed in Annexure 42. AGENDA NO.20 Installation of dedicated phone lines to enable easy access for the public. The Financial Literacy Centres have been set up in all districts of the State with the LDMs acting as the coordinator. As per the decisions taken in the SLCC held on , LDMs are required to have dedicated phone lines to enable easy access for the public for complaints / queries and other information sought. The controlling heads of the sponsoring banks namely SBI, UCO Bank, Bank of India, Andhra Bank & OSCB are requested to ensure installation of dedicated phone lines at Financial literacy Centres under intimation to SLBC and Director, Institutional Finance & Additional Secretary, Finance Department, Govt of Odisha. AGENDA NO.21 Coir Board The Ministry of Micro, Small and Medium Enterprises (MSME), Govt. of India vide letter No.5 (17)/2013-Coir dated 31 st December, 2014 has informed that on review of the progress of the Central Sector Scheme of Rejuvenation, Modernization and Technology Upgradation.(REMOT), it was felt that the name of Scheme do not convey the proper objectives of the scheme to the general public. In view of this, the scheme has been renamed as Coir Udyami Yojana (CUY). The change of name of REMOT Scheme to Coir Udyami Yojana (CUY) may be noted and brought to the notice of all banks branches..for development of coir industries, the financial assistance by the Government of Odisha are given under the following schemes (1) Promotion of Coir Industries : a) Rehabilitation of Coir Artisan (R.C.A.) To set up own production coir unit, 20% of project cost with maximum ceiling of Rs.15,000/- can be provided to an artisan on margin money for availing Bank loan. b) Entrepreneur Development Programme on Coir : 40

41 03 days EDP training provided to develop entrepreneurship among the entrepreneurs with free study materials, accommodation and boarding facilities. c) Short term skill up gradation training to outside and inside the State. d) Infrastructure assistance to coir SHG / Coop Societies: i) Workshed : 90% of the total cost limited to Rs.90,000/- ii)machineries & tool kits: 90% of the total cost limited to Rs.45,000/-. e) Training are given to artisan & through Field Training Centre (F.T.C.) f) Design Development programme are conducted on coir craft to improve by engaging suitable designer. g) Training on Coir at Govt. training centres: i) Advance course training : One year duration : At Teispur in ( in take capacity-30 Nos) Puri district ii) Artisan course : Six months (in take capacity-20 Nos). Duration at i) Balikuda in Jagatsinghpur district. ii) Bhogarai in Balasore district. iii) Golabandha in Ganjam district 2) Coir Cluster Development Programme: To develop the skill of coir artisan, training has been provided through SHG under coir cluster programme. 3) Market Development Assistance : Market Development assistance are provided to the Coir Cooperative Societies & Odisha Cooperative Coir 10 % of their average sale turnover on coir production including coir year and rubberized coir goods during the preceding three financial years in 1:1 basis by Central & State Government AGENDA NO.22 Disposal of loan applications under different schemes Annexure 43 AGENDA NO.23 Any other matter with permission of the Chair. 41

42 Annexure - 1 Opening of Brick & Mortar Branches in Unbanked Gram Panchayats up to 31st Dec, 2014 Sl. No. Name of the Bank Target ( ) Achievement 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Odisha Gramya Bank Utkal Grameen Bank Orissa State Co-Op. Bank 0 0 Grand Total

43 SR Annexure - 2 Roadmap for providing banking services in every village having population below Progress at quarter ended December, 2014 Name of State/UT: ODISHA Name of RBI Regional Office-Bhubaneswar. Out of Road Map prepared for less than 2000, No. of villages where banking outlet opened upto the end of the reporting Quarter BC No. of Name of the Bank villages allotted Branches Fixed Location Banking through BC visits every week Banking through BC visits once in a fortnight Banking through BC visits more than once in a fortnight BCs-sub total = Allahabad Bank Andhra Bank Axis Bank Bank of Baroda Bank of India Canara Bank CBI Dena bank Federal bank H.D.F.C. Bank ICICI Bank IDBI Bank Indian Bank IndusInd Bank IOB OBC OGB PNB SBH SBI Syndicate Bank UCO Bank Union Bank UBI UGB TOTAL other modes Grand Total =

44 Sl No Particulars PUBLIC SECTOR PRIVATE SECTOR RRBs CONSOLIDATED Progress as Progress as at Progress at Targer- yr at the end Targer- yr ended the end of Targer- yr ended at the end of ended Mar- of Mar-2015 December Mar-2015 December 2015 December Progress as at the end of December 2014 Annexure - 3 FIP Progress As on December 31, 2014 Targer- yr ended Mar Total No. of Branches Out of 1 above, No. of Rural Branches No. of branches in unbanked villages Total No. of CSPs Deployed Through Branches No. of banking outlets in villages with Through BCs population > 2000 Through Other Modes Sub Total : > Through Branches No. of banking outlets in villages with Through BCs population < 2000 Through Other Modes Sub Total : < Total Banking Outlets in all villages No. of BC outlets in Urban Locations Basic Savings Bank Deposit Accounts No. in Actuals (BSBDAs) through branches Amt. ` In Thousands Basic Savings Bank Deposit Accounts No. in Actuals (BSBDAs) outstanding through BCs Amt. ` In Thousands Basic Savings Bank Deposit Accounts No. in Actuals (BSBDAs) (Bank as a whole) Amt. ` In Thousands No. in Actuals OD facility availed in BSBDAs 22 Amt. ` In Thousands No. in Actuals KCCs outstanding - through Branches 24 Amt. ` In Thousands No. in Actuals KCCs outstanding - through BCs 26 Amt. ` In Thousands No. In actuals KCCs-Total (Bank as a whole) 28 Amt. ` In Thousands No. in Actuals GCCs outstanding through Branches 30 Amt. ` In Thousands No. in Actuals GCCs outstanding through BCs 32 Amt. ` In Thousands No. in Actuals GCC-Total (Bank as a whole) 34 Amt. ` In Thousands Savings Deposit (No. in Actuals) Savings Deposit (Amt. ` In Thousands) Credit/OD (No. in Actuals) Credit/OD (Amt. ` In Thousands) Transactions in BC-ICT Accounts (during the Term Dep./RD (No. in Actuals) quarter) * Term Dep./RD (Amt. ` In Thousands) EBT/Remittance (No. in Actuals) EBT/Remittance (Amt. ` In Thousands) Others (No. in Actuals) Others (Amt. ` In Thousands) No. in Actuals Total of Transactions in BC-ICT Accounts 46 Amt. ` In Thousands

45 Finance under DRI Scheme as on Annexure - 4 Amount in Crores Sl No. Name of Bank No of applicati ons sponsor ed No of cases Disbursed From to Out of Which No of cases Disbursed to differently abled persons From to Total Balance Outstanding under DRI as on Balance Outstanding under DRI, financed to differently abled persons as on A/c Amt. A/c Amt. A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBS Total of Commercial Banks Orissa State Co-Op. Bank Total of Coops Banks Grand Total

46 PRADHAN MANTRI JAN DHAN YOJNA PROGRESS REPORT ON NO. OF ACCOUNTS OPENED UNDER PMJDY : UP TO Annexure - 5 NAME OF STATE: ODISHA SLBC CONVENER BANK: UCO BANK SR.NO. NO OF ACCOUNTS OPENED E-KYC WITHOUT AADHAAR SUB TOTAL TOTAL NO OF APPLICATION PROCESSED TOTAL RURAL URBAN RURAL URBAN RURAL URBAN (RURAL+URBAN) RURAL URBAN (RURAL+URBAN) 1 PSBs 2,41,497 1,73,894 19,09,164 10,77,201 21,50,661 12,51,095 34,01, SPONSORED RRBs 0 0 6,42,749 28,823 6,42,749 28,823 6,71, PRIVATE SECTOR BANKS 1,723 3,464 35,229 50,057 36,952 53,521 90, TOTAL (1+2+3) 2,43,220 1,77,358 25,87,142 11,56,081 28,30,362 13,33,439 41,63,

47 Annexure - 5 Bank Name NO OF ACCOUNTS OPENED UNDER PMJDY : E-KYC WITHOUT AADHAAR TOTAL TOTAL NO OF APPLICATION PROCESSED TOTAL Sl.No Public Sector Bank RURAL URBAN RURAL URBAN RURAL URBAN (RURAL+URBAN) RURAL URBAN (RURAL+URBAN) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaner & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank TOTAL 2,41,497 1,73,894 19,09,164 10,77,201 21,50,661 12,51,095 34,01, Private Sector Bank 27 Axis Bank Ltd City Union Bank Ltd DCB Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnataka Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd YES Bank TOTAL 1,723 3,464 35,229 50,057 36,952 53,521 90, RRB 41 Odisha Gramya Bank Utkal Grameen Bank TOTAL 0 0 6,42,749 28,823 6,42,749 28,823 6,71, Co-Operative 43 Orissa State Co-Op. Bank TOTAL 2,43,220 1,77,358 25,87,142 11,56,081 28,30,362 13,33,439 41,63,

48 SL NO NAME OF THE BANK E-KYC NO OF ACCOUNTS OPENED WITHOUT AADHAAR TOTAL TOTAL PRADHAN MANTRI JAN DHAN YOJNA REPORT ON PMJDY: NAME OF STATE:ODISHA NO OF APPLICATIONS PROCESSED RURAL URBAN RURAL URBAN RURAL URBAN RURAL+ RURAL URBAN RURAL URBAN + URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaner & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Axis Bank Ltd City Union Bank Ltd DCB Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnataka Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd YES Bank Odisha Gramya Bank Utkal Grameen Bank Orissa State Co-Op. Bank TOTAL TOTAL NO. OF PMJDY ACCOUNTS WITH ZERO BALANCE TOTAL DEPOSIT OF PMJDY ACCOUNTS (Lacs) AADHAAR SEEDED ACCOUNTS RUPAY CARD ISSUED RUPAY CARD ACTIVATED Annexure - 5 PASSBOOKS ISSUED

49 Number of House holds having Basic Savings Bank Deposit Accounts(BSBDA) as on Annexure - 6 Sl.No BankName BSBD AC Opened RuPay cards Issued % of Rupay Card Issued to BSBD A/c No Of BSBD Ac With Aadhaar No Aadhaar Seeding % 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Bank Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRBs Total Commercial Bank

50 Annexure - 6 Number of House-holds having Basic Savings Bank Deposit Accounts(BSBDA) as on Sl.No DistrictName BSBD AC Opened RuPay Cards Issued % of Rupay Card issued to BSBD A/c No Of BSBD Ac With Aadhaar No Aadhaar Seeding % 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Grand Total

51 Name of the District District Population (2011 census) Aadhaar Generation Report as on 31st January 2015 Aadhaar Generated UID% on Population Enrolments Rejected Balance Aadhaar to Generated Annexure - 7 Required stations to complete by March 2015 ANGUL 12,71,703 9,31,392 73% 76,013 3,40, BALASORE 16,48,574 11,87,982 72% 1,95,165 4,60, BARGARH 23,17,419 16,67,621 72% 3,14,668 6,49, BHADRAK 14,78,833 7,21,881 49% 1,52,962 7,56, BOLANGIR 4,39,917 2,76,581 63% 1,20,739 1,63, BOUDH 15,06,522 9,74,281 65% 3,36,908 5,32, CUTTACK 26,18,708 19,34,997 74% 3,80,058 6,83, DEOGARH 3,12,164 2,17,585 70% 17,721 94, DHENKANAL 11,92,948 9,38,230 79% 1,33,211 2,54, GAJAPATI 5,75,880 3,96,666 69% 46,999 1,79, GANJAM 35,20,151 20,41,211 58% 2,73,057 14,78, JAGATSINGHPUR 11,36,604 8,85,315 78% 99,870 2,51, JAJPUR 18,26,275 11,46,194 63% 2,42,856 6,80, JHARSUGUDA 5,79,499 4,05,403 70% 20,630 1,74, KALAHANDI 15,73,054 7,15,047 45% 71,796 8,58, KANDHAMAL 7,31,952 3,85,703 53% 80,970 3,46, KENDRAPARA 14,39,891 10,57,732 73% 1,05,871 3,82, KEONJHAR 18,02,777 8,98,757 50% 2,03,675 9,04, KHURDA 22,46,341 17,14,500 76% 5,04,474 5,31, KORAPUT 13,76,934 6,28,783 46% 1,04,052 7,48, MALKANGIRI 6,12,727 1,75,304 29% 22,715 4,37, MAYURBHANJ 25,13,895 16,06,927 64% 3,51,849 9,06, NABARANGPUR 12,18,762 7,64,594 63% 40,205 4,54, NAYAGARH 9,62,215 8,02,778 83% 93,782 1,59, NUAPADA 6,06,490 3,68,892 61% 1,29,742 2,37, PURI 16,97,983 13,10,615 77% 2,47,918 3,87, RAYAGADA 9,61,959 6,02,146 63% 71,304 3,59, SAMBALPUR 10,44,410 4,80,420 46% 1,56,363 5,63, SONEPUR 6,52,107 3,19,618 49% 54,609 3,32, SUNDARGARH 20,80,664 12,49,783 60% 1,77,201 8,30, TOTAL 4,19,47,358 2,68,06,938 64% 48,27,383 1,51,40,420 1,564

52 Sl No. Bank Name Amount Amount Annexure - 8 Overdue NPA position as on under various sectors Amt in Crores Short term crop productions Agriculture Term Loans Allied Activities Advances Total Agricultere Advance(Direct) Outstanding NPA Outstanding NPA Outstanding NPA Outstanding NPA % of NPA to total Outstanding Amount Amount % of NPA to total Outstanding Amount Amount % of NPA to total Outstanding Amount Amount % of NPA to total Outstanding 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 7 Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & #DIV/0! #DIV/0! #DIV/0! #DIV/0! 18 State Bank of Hyderabad State Bank of India State Bank of Mysore #DIV/0! #DIV/0! State Bank of Travancore #DIV/0! #DIV/0! #DIV/0! #DIV/0! 22 Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank #DIV/0! #DIV/0! DCB Bank Ltd Federal Bank #DIV/0! #DIV/0! HDFC Bank ICICI Bank Indus Ind Bank #DIV/0! #DIV/0! ING Vysya Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 35 Karnatak Bank Ltd #DIV/0! Karur Vysya Bank #DIV/0! #DIV/0! Kotak Mahindra Bank Ltd #DIV/0! Laxmi Vilas Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 39 The South Indian Bank Ltd #DIV/0! #DIV/0! Yes Bank #DIV/0! Total private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total Of RRBs Total Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Banks GrandTotal

53 Sl No. Bank Name Amt Amt Annexure - 8 Overdue NPA position as on under various sectors Amt in Crores MSME Sector Advance Education Loan Advance Housing Loan Advance Other Priority Sector Advance Outstanding NPA Outstanding NPA Outstanding NPA Outstanding NPA % of NPA to total Outstanding Amt Amt % of NPA to total Outstanding Amt Amt % of NPA to total Outstanding Amt Amt % of NPA to total Outstanding 1 Allahabad Bank #DIV/0! 2 Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank #DIV/0! Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK #DIV/0! 12 Indian Bank Indian Overseas Bank Oriental Bank of Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & #DIV/0! 18 State Bank of Hyderabad State Bank of India State Bank of Mysore #DIV/0! #DIV/0! 21 State Bank of Travancore #DIV/0! 22 Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total public Sector Banks Axis Bank Ltd City Union Bank #DIV/0! 29 DCB Bank Ltd #DIV/0! Federal Bank #DIV/0! 31 HDFC Bank ICICI Bank Indus Ind Bank #DIV/0! #DIV/0! 34 ING Vysya Bank #DIV/0! #DIV/0! #DIV/0! Karnatak Bank Ltd #DIV/0! Karur Vysya Bank #DIV/0! #DIV/0! 37 Kotak Mahindra Bank Ltd #DIV/0! #DIV/0! 38 Laxmi Vilas Bank #DIV/0! #DIV/0! #DIV/0! 39 The South Indian Bank Ltd #DIV/0! Yes Bank #DIV/0! #DIV/0! #DIV/0! Total private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total Of RRBs Total Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Banks GrandTotal

54 Annexure - 8 Overdue NPA position as on under various sectors Priority Sector Advance Non-priority Advance Total Advance Outstanding NPA Outstanding NPA Outstanding NPA Sl No. Bank Name Amt Amt % of NPA to total Outstandi ng Amt Amt % of NPA to total Outstandi ng Amt Amt % of NPA to total Outstandi ng 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total public Sector Banks Axis Bank Ltd DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd #DIV/0! Yes Bank Total private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total Of RRBs Total Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Banks GrandTotal

55 Sl.No BankName Total Demand for Recovery Annexure - 8 Sector / Scheme wise Recovery / Overdue position as on Amount in Crores Crop Loan Agriculture Term Loan Allied activities advances Total Agriculture advance Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra #DIV/0! #DIV/0! #DIV/0! #DIV/0! Bharatiya Mahila Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 7 Canara Bank Central Bank of India Corporation Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 10 Dena Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 11 IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jai #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 18 State Bank of Hyderabad #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 19 State Bank of India State Bank of Mysore #DIV/0! #DIV/0! #DIV/0! #DIV/0! State Bank of Travancore #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 22 Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Bank Axis Bank Ltd City Union Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 29 DCB Bank Ltd Federal Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 31 HDFC Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! ICICI Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 33 Indus Ind Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 34 ING Vysya Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 35 Karnatak Bank Ltd #DIV/0! #DIV/0! Karur Vysya Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 37 Kotak Mahindra Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 38 Laxmi Vilas Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 39 The South Indian Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 40 Yes Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRBs Total Commercial Bank Amount Collected % Of Recovery Orissa State Co-Op. Bank #DIV/0! #DIV/0! Grand Total % Of Overdue

56 Sl.No BankName 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Bharatiya Mahila Bank 7 Canara Bank 8 Central Bank of India 9 Corporation Bank 10 Dena Bank 11 IDBI Bank 12 Indian Bank 13 Indian Overseas Bank 14 Oriental Bank of Commerce 15 Punjab & Sind Bank 16 Punjab National Bank 17 State Bank of Bikaneer & Jai 18 State Bank of Hyderabad 19 State Bank of India 20 State Bank of Mysore 21 State Bank of Travancore 22 Syndicate Bank 23 UCO Bank 24 Union Bank of India 25 United Bank of India 26 Vijaya Bank Total Public Sector Bank 27 Axis Bank Ltd 28 City Union Bank 29 DCB Bank Ltd 30 Federal Bank 31 HDFC Bank 32 ICICI Bank 33 Indus Ind Bank 34 ING Vysya Bank 35 Karnatak Bank Ltd. 36 Karur Vysya Bank 37 Kotak Mahindra Bank Ltd 38 Laxmi Vilas Bank 39 The South Indian Bank Ltd. 40 Yes Bank Total Private Sector Bank 41 Odisha Gramya Bank 42 Utkal Grameen Bank Total RRBs Total Commercial Bank 43 Orissa State Co-Op. Bank Grand Total Total Demand for Recovery Annexure - 8 Sector / Scheme wise Recovery / Overdue position as on Amount in Crores MSME Sector Advance Education loan Advance Housing loan Advance Other Priority Sector Advance Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

57 Total Priority Sector Sector / Scheme wise Recovery / Overdue position as on Non Priority Sector Loans Annexure - 8 Amount in Crores Total Advance Sl.No BankName Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Bharatiya Mahila Bank 7 Canara Bank 8 Central Bank of India 9 Corporation Bank 10 Dena Bank 11 IDBI Bank 12 Indian Bank 13 Indian Overseas Bank 14 Oriental Bank of Commerce 15 Punjab & Sind Bank 16 Punjab National Bank 17 State Bank of Bikaneer & Jai 18 State Bank of Hyderabad 19 State Bank of India 20 State Bank of Mysore 21 State Bank of Travancore 22 Syndicate Bank 23 UCO Bank 24 Union Bank of India 25 United Bank of India 26 Vijaya Bank Total Public Sector Bank 27 Axis Bank Ltd 28 City Union Bank 29 DCB Bank Ltd 30 Federal Bank 31 HDFC Bank 32 ICICI Bank 33 Indus Ind Bank 34 ING Vysya Bank 35 Karnatak Bank Ltd. 36 Karur Vysya Bank 37 Kotak Mahindra Bank Ltd 38 Laxmi Vilas Bank 39 The South Indian Bank Ltd. 40 Yes Bank Total Private Sector Bank 41 Odisha Gramya Bank 42 Utkal Grameen Bank Total RRBs Total Commercial Bank 43 Orissa State Co-Op. Bank Grand Total #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

58 Sl.No BankName 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Bharatiya Mahila Bank 7 Canara Bank 8 Central Bank of India 9 Corporation Bank 10 Dena Bank 11 IDBI Bank 12 Indian Bank 13 Indian Overseas Bank 14 Oriental Bank of Commerce 15 Punjab & Sind Bank 16 Punjab National Bank 17 State Bank of Bikaneer & Jai 18 State Bank of Hyderabad 19 State Bank of India 20 State Bank of Mysore 21 State Bank of Travancore 22 Syndicate Bank 23 UCO Bank 24 Union Bank of India 25 United Bank of India 26 Vijaya Bank Total Public Sector Bank 27 Axis Bank Ltd 28 City Union Bank 29 DCB Bank Ltd 30 Federal Bank 31 HDFC Bank 32 ICICI Bank 33 Indus Ind Bank 34 ING Vysya Bank 35 Karnatak Bank Ltd. 36 Karur Vysya Bank 37 Kotak Mahindra Bank Ltd 38 Laxmi Vilas Bank 39 The South Indian Bank Ltd. 40 Yes Bank Total Private Sector Bank 41 Odisha Gramya Bank 42 Utkal Grameen Bank Total RRBs Total Commercial Bank 43 Orissa State Co-Op. Bank Grand Total Total Demand for Recovery Amount Collected Annexure - 8 Sector / Scheme wise Recovery / Overdue position as on Amount in Crores SHG PMRY SJSRY WCC % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! % Of Overdue #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

59 Sl No. Bank Name Amount Amount Annexure - 8 Overdue NPA position as on under various sectors Amt in Crores SHG PMRY/PMEGP SJSRY/SGSY WCC Outstanding NPA Outstanding NPA Outstanding NPA Outstanding NPA % of NPA to total Outstanding Amount Amount % of NPA to total Outstanding Amount Amount % of NPA to total Outstanding Amount Amount % of NPA to total Outstanding 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra #DIV/0! #DIV/0! 6 Bharatiya Mahila Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 7 Canara Bank Central Bank of India Corporation Bank #DIV/0! #DIV/0! 10 Dena Bank #DIV/0! #DIV/0! 11 IDBI Bank #DIV/0! 12 Indian Bank Indian Overseas Bank #DIV/0! 14 Oriental Bank of Commerce #DIV/0! 15 Punjab & Sind Bank #DIV/0! 16 Punjab National Bank State Bank of Bikaneer & Jaipur #DIV/0! #DIV/0! 18 State Bank of Hyderabad #DIV/0! #DIV/0! 19 State Bank of India State Bank of Mysore #DIV/0! #DIV/0! #DIV/0! #DIV/0! 21 State Bank of Travancore #DIV/0! #DIV/0! #DIV/0! #DIV/0! 22 Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank #DIV/0! Total public Sector Banks Axis Bank Ltd #DIV/0! 28 City Union Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 29 DCB Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! 30 Federal Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 31 HDFC Bank #DIV/0! #DIV/0! 32 ICICI Bank #DIV/0! #DIV/0! #DIV/0! 33 Indus Ind Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 34 ING Vysya Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 35 Karnatak Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! 36 Karur Vysya Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 37 Kotak Mahindra Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! 38 Laxmi Vilas Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 39 The South Indian Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! 40 Yes Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! Total private Sector Banks #DIV/0! 39 Odisha Gramya Bank Utkal Grameen Bank Total Of RRBs Total Commercial Banks Orissa State Co-Op. Bank #DIV/0! #DIV/0! #DIV/0! Total of Co-operative Banks GrandTotal #DIV/0! #DIV/0! #DIV/0!

60 Annexure - 9 District Wise Breakup of Pending Cases under OPDR and OACO&MPBA(Amt in Crores) Sl.No DistrictName Under OPDR Under OACO&MPBA A/C Amt A/C Amt 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Total

61 Annexure - 9 PARTICULARS OF CASES FILED WITH COMPETENT AUTHORITY UNDER THE PROVISION OF ORISSA AGRICULTURE CREDIT OPERATION & MISC PROVISION(BANKS) ACT AS ON (Amt in Crores) Pending Age-wise Sl No. Name of Bank Cases filed during the quarter Total cases filed Cases settled Cases pending at the end of the qtr < 1yr. 1-3 yr. > 3 yr. A/c Amt A/c Amt. A/c Amt A/c Amt. A/c Amt A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs A.Total of Commercial Banks Orissa State Co-Op. Bank B.Total of Co-operative Bank GRAND TOTAL

62 Sl No. Annexure - 9 PARTICULARS OF CASES FILED WITH COMPETENT AUTHORITY UNDER THE PROVISION OF OPDR ACT AS ON (Amt in Crores) Pending Age-wise A/c Amt A/c Amt. A/c Amt A/c Amt. A/c Amt A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Orissa State Co-Op. Bank B.Total of Co-operative Bank GRAND TOTAL Name of Bank A.Total of Commercial Banks Cases filed during the quarter Total cases filed Cases settled Cases pending at the end of the quarter < 1yr. 1-3 yr. > 3 yr

63 Sl No Name of the Bank Whether Registered with CERSAI (Y/N) Total No of Equitable Mortgages taken by them from their No of Records uploaded on CERSAIp ortal No of records yet to be uploaded Annexure - 10 Process for filing of Equitable Mortgage Records on CERSAI as on (qtr ended ) Whether filing of subsisting mortgages completed (Y/N) If not, subsisting mortgages left to be registered

64

65

66

67

68

69 No. of Distributors No. of LPG Consumers DBTL Status of Odisha as on LPG Aadhaar Seeding % LPG Aadhaar Seeding Bank Aadhaar Seeding (ATC) % Bank Aadhaar Seeding (ATC) BTC Count Bank Account Seeding Verified (BTC) Overall % Annexure - 12 CTC (ATC+BTC ) Overall CTC (ATC+BTC ) Overall % Anugul 20 83,964 42, , , , Balangir 16 54,252 29, , , , Baleshwar 18 1,29,084 62, , , , Bargarh 13 54,210 15, , , , Baudh 3 9,118 5, , , , Bhadrak 8 67,957 19, , , , Cuttack 35 2,61,697 1,37, ,22, , ,79, Debagarh 4 9,435 4, , , , Dhenkanal 14 68,260 35, , , , Gajapati 4 29,703 13, , , , Ganjam 44 2,76,322 89, , ,29, ,05, Jagatsingha 14 68,213 38, , , , Jajapur 18 1,03,228 29, , , , Jharsuguda 8 41,824 18, , , , Kalahandi 11 37,095 7, , , , Kandhamal 8 15,374 4, , , , Kendrapara 12 72,704 34, , , , Kendujhar 18 82,523 33, , , , Khordha 37 3,71,575 1,89, ,72, , ,47, Koraput 12 62,610 24, , , , Malkangiri 2 11,382 3, , , , Mayurbhanj 15 67,224 15, , , , Nabarangap 6 17,800 9, , , , ur Nayagarh 12 50,503 19, , , , Nuapada 7 16,123 8, , , , Puri 15 92,859 48, , , , Rayagada 9 47,864 23, , , , Sambalpur 14 68,360 14, , , , Sonapur 7 23,493 8, , , , Sundargarh 28 1,31,646 57, , , , Total ,26,402 10,43, ,20, ,94, ,15,

70 Annexure - 13 Bank Wise Branch Network as on No. Name Of Bank Urban Semi-Urban Rural Total 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total of Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total of Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks Orissa State Co-Op. Bank OSCARD Bank Total of Co-operative Banks GrandTotal

71 District Wise Branch Network as on Annexure - 13 Sl Name Of District Urban Semi-Urban Rural Total No. 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH GrandTotal

72 Annexure - 14 Bank Wise Branch Opened as on Sl Name Of Bank Urban Semi-Urban Rural Total 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total of Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total of Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Banks GrandTotal

73 Annexure District Wise Branch Opened as on Sl No. Name Of District Urban Semi-Urban Rural 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Grand Total

74 - 14 Total

75 Annexure - 15 Bank Wise Position Of ATMs as on Total No Of Offsite ATMS Total No Of Onsite ATMS SlN Name of the Bank o. Semi Semi Rural Urban Total(1) Rural Urban Total(2) Total(1 + 2) Urban Urban 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Kotak Mahindra Bank Ltd Karnatak Bank Ltd Karur Vysya Bank Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total Commercial Banks Orissa State Co-Op. Bank OSCARD Bank Total of Co-operative Banks GrandTotal

76 SlN o. Name of the District District Wise Position of ATMs as on Total No Of Offsite ATMs Total No Of Onsite ATMs Semi Semi Rural Urban Total Rural Urban Total Urban Urban Annexure - 15 Grand Total 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Total

77 No. of Branches Total Deposit Advance Utilized in The State Advance Sanctioned & Utilized in the State Total P.S. Advance Total Finance to Agril Advance to MSME Advance to Services Sector Total Adv. to Weaker Section Total Adv. to DRI Advance to Women Total Adv. to SC/ST Investment In state govt. Bonds BANKING KEY INDICATOR AS ON (Amount in Crores) Annexure - 16 Sl No. Name of Bank 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce 15 Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd. 40 Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs RIDF(NABARD) Total Commercial Banks Orissa State Co-Op. Bank OSCARD Bank Total of Co-operative bank GRAND TOTAL

78 No. of Branches GROSS NPA % of NPA to Total Advance CD Ratio % of P.S Adv to Total Adv % of Agril Finance to Total Advance % of Adv. To Weaker Section to PS Adv. % of DRI Advance to Total Advance % of Advance to Women to Total Advance Creadit & Investment/Deposit ratio BANKING KEY INDICATOR AS ON (Amount in Crores) Annexure - 16 Sl No. Name of Bank 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs RIDF(NABARD) Total Commercial Banks Orissa State Co-Op. Bank OSCARD Bank Total of Co-operative bank GRAND TOTAL

79 Annexure - 16 BANK-WISE & AREA WISE DEPOSITS ADVANCES & CD RATIO AS ON (Amt. in Crores) Rural Semi_Urban Sl Name of Bank No. of No. of No. Deposit Advance CD Ratio Branches Branche Deposit Advance CD Ratio 1 Allahabad Bank s Andhra Bank Bank of Baroda Bank of India Bank of Maharastra #DIV/0! Bharatiya Mahila Bank #DIV/0! #DIV/0! 7 Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J #DIV/0! #DIV/0! 18 State Bank of Hyderabad State Bank of India State Bank of Mysore #DIV/0! 21 State Bank of Travancore #DIV/0! #DIV/0! 22 Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank #DIV/0! Total Public Sector Banks Axis Bank Ltd City Union Bank #DIV/0! #DIV/0! 29 DCB Bank Ltd Federal Bank #DIV/0! HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank #DIV/0! #DIV/0! 35 Karnatak Bank Ltd #DIV/0! Karur Vysya Bank #DIV/0! Kotak Mahindra Bank Ltd #DIV/0! Laxmi Vilas Bank #DIV/0! #DIV/0! 39 The South Indian Bank Ltd #DIV/0! Yes Bank #DIV/0! Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs RIDF(NABARD) Total Commercial Banks Orissa State Co-Op. Bank OSCARD Bank Total of Co-op Bank Grand Total

80 Sl No. No. of Branches Deposit Advance CD Ratio Total No of Branches Annexure - 16 Deposit Advance CD Ratio 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs RIDF(NABARD) Total Commercial Banks Orissa State Co-Op. Bank OSCARD Bank Total of Co-op Bank Grand Total BANK-WISE & AREA WISE DEPOSITS ADVANCES & CD RATIO AS ON Name of Bank Urban Amt.in Crores Total

81 Sl. No BANK WISE/BROAD SECTOR-WISE ACHIEVEMENT UNDER A.C.P Report For LBS_MIS Priority Sector STATE:ORISSA Crop Loan Term Loan Allied Loan Agril.& Allied-Direct Agril.& Allied-InDirect Agril.& Allied-SubTotal BankName T A % T A % T A % T A % T A % T A % T A % T A % T A % T A % T A 1 Allahabad Bank Andhra Bank Bank Of Baroda Bank Of India Bank Of Maharastra Bharatiya Mahila Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! Canara Bank Central Bank Of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank Of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipu #DIV/0! State Bank of Hyderabad State Bank Of India State Bank of Mysore #DIV/0! #DIV/0! #DIV/0! State Bank of Travancore #DIV/0! #DIV/0! #DIV/0! Syndicate Bank UCO Bank Union Bank United Bank Of India Vijaya Bank MSE Education Annexure - 17 Amount i Housing Others Total Total Public Sector Banks Axis Bank Ltd DCB Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! Other Private Sector Banks The South Indian Bank Ltd #DIV/0! #DIV/0! Yes Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total RRBs Total Commercial Banks Co-Operative Bank Grand Total

82 7 % #DIV/0! #DIV/0! #DIV/0! in Crores

83 STATE:ORISSA DIST WISE/BROAD SECTOR-WISE ACHIEVEMENT UNDER A.C.P Report For LBS_MIS Priority Sector Crop Loan Term Loan Allied Loan Agril.& Allied-Direct Agril.& Allied-InDirect Agril.& Allied-SubTotal Sl No DistrictName T A % T A % T A % T A % T A % T A % T A % T A % T A % T A % T A 1 ANGUL Annexure - Amoun MSE Education Housing Others Total 2 BALASORE BARGARH #DIV/0! BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGH JAJPUR JHARSUGUD KALAHANDI KANDHAMA KENDRAPAR KEONJHAR KHURDA KORAPUT #DIV/0! MALKANGIR MAYURBHAN NABARANGP NAYAGARH #DIV/0! NUAPADA #DIV/0! PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGAR Grand Total

84 - 17 nt in Crores %

85 Sl No. Annexure - 18 Amt in Cr. No Amt No Amt No Amt No Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Orissa State Co-Op. Bank Total of Co-operative Banks Grand Total Name Of Bank Total Commercial Banks Target(14-15) Financing Under Agriculture as on Corp Loan Disbursement ( to ) Balance Outstanding as on Target(14-15) Agricultural Term Loan Disbursement ( to ) Balance Outstanding as on

86 Annexure - 19 FINANCING UNDER KISSAN CREDIT CARD SCHEME UP TO (Amount in Crores) Sl No. Name of Bank No. of KCC issued from to Total amount disbursed in KCC(Fresh+Existing) during to Balance O/S as on A/c Amt. A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs A.Total of Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Banks GRAND TOTAL

87 Annexure 20 ABSTRACT ON DISPOSAL OF LOAN APPLICATIONS UNDER NEW DAIRY SCHEMES (AS ON ) Sl. No. Name of the Dairy Scheme Commercial Banks OSCB 1. Promotion of Dairy Entrepreneurs a. Target 3892 b. Application Sponsored i. No ii.amount c.application Disbursed i.no ii.amount d.application Pending i.no ii.amount Interest Subvention of Short term loan a. Target 8750 b. Application Sponsored i.no ii.amount c.application Disbursed i.no ii.amount d.application Pending i.no ii.amount Interest Subvention of Long term loan a. Target 3000 b. Application Sponsored i.no ii.amount c.application Disbursed i.no ii.amount d.application Pending i.no ii.amount

88 Annexure 20 ABSTRACT ON KSK, POULTRY VENTURE CAPITAL & DEDS (AS ON ) Sl. No. Name of the Dairy Scheme Commercial Banks OSCB 1. Capital Investment Subsidy under KSK a. Target b. Application Sponsored ii. No ii.amount c.application Disbursed 4 i.no ii.amount d.application Pending i.no ii.amount Poultry Venture Capital Scheme a. Target b. Application Sponsored i.no 8 7 ii.amount c.application Disbursed i.no ii.amount d.application Pending i.no 8 7 ii. Amount DEDS a. Target b. Application Sponsored i.no ii.amount c.application Disbursed i.no 11 1 ii.amount d.application Pending i.no ii.amount

89 Progress of Bank wise/sponsored/ Reject/ Sanction/ finance/pending of sponsored cases under FFDA/NFDB/NMPS only for UPTO ABSTRACT Area in Ha. & Amount in lakhs Annexure - 21 Cases pending as on Sponsored during Total Reject balance accepted Cases sanctioned Cases financed Balance pending. Name of the Sl. Bank. Amo- Amo- Amo- Amo- Amo- Amo- Amo- No. Area No. Area No. Area No. Area No. Area No. Area No. Area No. Area Amo- unt. unt. unt. unt. unt. unt. unt. unt S.B.I U.Co B.O.I Syndicate U.B.I C.C.B Andhra Union B.O.B I. B I.O.B Allahabad Canara C.B.I R.G.B P.N.B Axis Dena Bank IDBI Oriental Karnataka Total

90 Sl No. Name of Bank Annexure - 22 Financing under different allied agricultural schemes as on Amount in Crores Dairy(Including DEDS) Poultry Fishery Others(Goatery,Piggery etc.) Disbursement( to ) Balance outstanding as on Disbursement( to ) Balance outstanding as on Disbursement( to ) Balance outstanding as on Disbursement( to ) Balance outstanding as on A/c Amt. A/c Amt A/c Amt A/c Amt. A/c Amt A/c Amt A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Banks Grand Total

91 Sl. No. CREDIT FLOW TO MSME(MANUFACTURING)SECTOR FOR THE QUATER ENDED DECEMBER 2014 (Amount in Crores) MICRO ENTERPRISES (MANUFACTURING) SMALL ENTERPRISES (MANUFACTURING) MEDIUM ENTERPRISES (MANUFACTURING) Name of Bank No of cases Balance No of cases Balance No of cases Balance disbursed Outstanding disbursed Outstanding disbursed Outstanding Annexure - 23 TOTAL MSME (MANUFACTURING) SECTOR No of cases Balance disbursed Outstanding A/c Amt. A/c Amt. A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs Total of Commercial Banks

92 Sl. No. Annexure - 24 Micro Enterprises Small Enterprises Medium Enterprises Total MSME Sector Amt. in A/C A/C Amt.in Crores A/C Amt.in crores A/C Amt.in crores Crores 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs Total Commercial Banks Orissa State Co-Op. Bank OSCARD Bank Total of Coops Grand Total Name of Bank Credit Flow to Micro,Small & Medium Enterprises(MSME)Sectors-Bal O/S as of No. of Branches Amount in Crores

93 Credit Flow to Micro Small Medium Enterprises(MSME)Sectors from to A Sl. No. No.OF Branches Micro Enterprises Small Enterprises Medium Enterprises Total MSM Name of Bank A/C Amt A/C Amt A/C Amt A/C 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd. Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs Total Commercial Banks Orissa State Co-Op Total Bank of CoOps Grand Total

94 Annexure - 24 Amt Amt.in Crores ME Sector

95 Annexure - 24 Micro Manufacturing enterprises having investment in plant and machinery up to Rs lacs and micro service enterprises having investment in equipment upto Rs.4.00 lacs Sl.No Bank Name Financed During the year( to ) Balance Outstanding as of No Amt (in Cr.) No Amt (in Cr.) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Bank Axis Bank Ltd Ciy Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total Of RRBs Total Commercial bank Orissa State Co-Op. Bank Grand Total

96 Annexure - 24 Micro Manufacturing enterprises having investment in plant and machinery Above Rs lacs and upto Rs lacs and micro service enterprises with investment in equipment above Rs.4.00 lacs and upto Rs lacs Sl.No Bank Name Financed During the year( to ) Balance Outstanding as of No Amt (in Cr.) No Amt (in Cr.) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Bank Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total Of RRBs Total Commercial bank Orissa State Co-Op. Bank Grand Total

97 RSETI WISE MONTHLY PROGRESS UPTO DECEMBER 2014 During the Year ( ) Upto December 2014 Since Inception Annexure - 25 Sl No District Trg. Prg Trainee BF SF WE Tot Set Trg. Prg Trainee BF SF WE Tot Set 1 Angul Balasore Baragada Bhadrak Bolangir Bouda Cuttack Deogarh Dhenkanal Gajapati Ganjam Jagatsinghpur Jajpur Jharsuguda Kalahandi Kandhamal Kendrapada Keonjhar Khordha Koraput Malkangiri Mayurbhanj Nabarangpur Nayagarh Nuapada Puri Rayagada Sambalpur Subarnapur Sundargarh Total Trg. Prg No. of Training Programms Conducted Trainee Total No. of Trainees Trained BF No. settled with Bank Finance SF No. settled with Self Finance WE No. settled with Wage employee Tot Set Total Settled

98 Annexure - 26 Claims of RSETIs pending with DRDA (Lacs) Sl No District Total 1 Angul Balasore Bhadrak Cuttack Dhenkanal Jagatsinghpur Puri Bargarh Bolangir Boudh Jajpur Jharsuguda Kalahandi Kandhamal Kendrapara Koraput Malkangiri Nabarangpur Nayagarh Nuapada Rayagada Sambalpur Sonepur Sundargarh Total

99 Sl No RSETI District Sponsoring Annexure - 27 RSETI Residential Training Status as on Residential Building Issue of Permissive Training Construction Banks Possession Facility Status 1 Angul UCO Bank Not avail Issued Const not started 2 Balasore UCO Bank Not Avail Issued In Progress 3 Bargarh SBI Available Issued Const not started 4 Bhadrak UCO Bank Not Avail Issued Const not started 5 Bolangir SBI Available Issued Const not started 6 Boudh SBI Available Issued Const not started 7 Cuttack UCO Bank Not avail Not issued Const not started 8 Deogarh CBI Available Not issued Const not started 9 Dhenkanal UCO Bank Available Not issued Const not started 10 Gajapati Andhra Bank Available Not issued Const not started 11 Ganjam Andhra Bank Available Not issued Const not started 12 Jagatsingpur UCO Bank Not avail Issued Const not started 13 Jajpur SBI Available Issued In progress 14 Jharsuguda SBI Available Not applicable Own building 15 Kalahandi SBI Available Issued Const not started 16 Kandhamal SBI Available Issued Const not started 17 Keonjhar Bank of India Available Issued In progress 18 Khordha RUDSETI Available Issued Own building 19 Koraput SBI Available Issued Const not started 20 Malkangiri SBI Available Issued Const not started 21 Mayurbhanj Bank of India Available Issued In progress 22 Nabarangapur SBI Available Issued Const not started 23 Nayagarh SBI Available Issued In progress 24 Nuapada SBI Available Issued Const not started 25 Puri UCO Bank Not avail Not issued Const not started 26 Rayagada SBI Available Issued Const not started 27 Sambalpur SBI Available Not issued Const not started 28 Subarnapur SBI Available Issued Const not started 29 Sundargarh SBI Available Not issued Const not started 30 Kendrapara SBI Available Issued Ground floor- Operational, First floor-in progress

100 No Of Weaver beneficiaries received benefit under the Scheme Debt Waiver Amount received from NABARD Annexure - 28 Information on Weavers Debt Waiver Scheme(Implementation of Revival,Reform & Restructuring Package for Handloom Sector) Out of Column -1,No of beneficiaries extended with fresh finance Sl.No BankName 1 2 No Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Public Sector Bank Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank RRBs Total Commercial Bank Orissa State Co-Op. Bank OSCARD Bank Total Co-operative Banks Grand Total

101 Annexure 29 Bank wise performance under WCC as reported by Director, Textile & Handloom Dept

102 Interest Subvention Claim from Govt. of India Annexure 30

103 BANKWISE FINANCING UNDER SELF HELP GROUPS(SHG) AS ON (Amt. in Crores) Annexure - 30 SAVINGS Sl. No. Name of Bank Credit Linkage Target for the year (Physical) Total No.of Groups opened SB A/c(Cumulative Position) Amount of deposit mobilised (Cumulative Position) No. of SHGS credit linked during year( to ) Balance Outstanding as on NPA Repeat Assistance during the year( to ) Physical Financial A/c Amt A/c Amt A/c Amt Amt A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank Of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank A. Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Yes Bank B. Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank C. Total RRBs D. Total Comm. Banks Orissa State Co-Op. Bank OSCARD Bank E. Total Co-op Banks GRAND TOTAL

104 Annexure 31

105 Annexure 31

106 Target Target SL. NO. NAME OF THE ULBs No. of Application Pending with ULBs Statement showing Information on SEP till December 2014 SEP-Individual SEP-Group No. of Application Sponsered to Banks No. of Application Disbursed by Bank Total Applicatio n Received No. of Application Pending with ULBs No. of Application Sponsered to Banks No. of Application Disbursed by Bank Total Application Received No. of Application Pending with ULBs SEP-Bank Linkage No. of Application Sponsered to Banks Annexure - 32 No. of Application Disbursed by Bank Total Application Received 1 Anugul(M) Balasore(M) Bargarh(M) Baripada(M) Berhampur(MC) Bhadrak(M) Bhawanipatna(M) Bhubaneswar(MC) Bolangir(M) Boudhgarh(M) Chhatrapur(N) Cuttack(MC) Deogarh(M) Dhenkanal(M) Jagatsinghpur(M) Jajpur(M) Jharsuguda(M) Kendrapara(M) Keonjhar(M) Khurda(M) Koraput(M) Malkanagiri(M) Nayagarh(M) Nowarangpur(M) Nuapada(N) Paralakhemundi(M) Phulbani(M) Puri(M) Rayagada(M) Rourkela(M) Sambalpur(M) Subarnapur(M) Sundergarh(M) TOTAL

107 Sector wise financing to Scheduled Caste Crop Loan Agriculture Term Loan Allied Sector Annexure - 34 Amt in Cr. MSME Sl.No BankName Disbursement made during the Current year ( to ) Balance Outstanding as on Disbursement made during the Current year ( to ) Balance Outstanding as on Disbursement made during the Current year ( to ) Balance Outstanding as on No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaip State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Bank Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRBs Total Commercial Bank Disbursement made during the Current year ( to ) Balance Outstanding as on

108 Sl.No BankName 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Bharatiya Mahila Bank 7 Canara Bank 8 Central Bank of India 9 Corporation Bank 10 Dena Bank 11 IDBI Bank 12 Indian Bank 13 Indian Overseas Bank 14 Oriental Bank of Commerce 15 Punjab & Sind Bank 16 Punjab National Bank 17 State Bank of Bikaneer & Jaip 18 State Bank of Hyderabad 19 State Bank of India 20 State Bank of Mysore 21 State Bank of Travancore 22 Syndicate Bank 23 UCO Bank 24 Union Bank 25 United Bank of India 26 Vijaya Bank Total Public Sector Bank 27 Axis Bank Ltd 28 City Union Bank 29 DCB Bank Ltd 30 Federal Bank 31 HDFC Bank 32 ICICI Bank 33 Indus Ind Bank 34 ING Vysya Bank 35 Karnatak Bank Ltd. 36 Karur Vysya Bank 37 Kotak Mahindra Bank Ltd 38 Laxmi Vilas Bank 39 The South Indian Bank Ltd. 40 Yes Bank Total Private Sector Bank 41 Odisha Gramya Bank 42 Utkal Grameen Bank Total RRBs Total Commercial Bank Education Loan Disbursement made during the Current year ( to Balance Outstanding as on Disbursement made during the Current year ( to ) Sector wise financing to Scheduled Caste Housing Loan Other-Priority Sector Balance Outstanding as on Disbursement made during the Current year ( to Balance Outstanding as on Non-Priority Sector Loan Disbursement made during the Current year ( to Balance Outstanding as on Annexure - 34 Amt in Cr. Total Disbursement made during the Balance Current year Outstanding as on ( to ) ) ) ) No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt

109 Sl.No BankName 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Bharatiya Mahila Bank 7 Canara Bank 8 Central Bank of India 9 Corporation Bank 10 Dena Bank 11 IDBI Bank 12 Indian Bank 13 Indian Overseas Bank 14 Oriental Bank of Commerce 15 Punjab & Sind Bank 16 Punjab National Bank 17 State Bank of Bikaneer & Jaip 18 State Bank of Hyderabad 19 State Bank of India 20 State Bank of Mysore 21 State Bank of Travancore 22 Syndicate Bank 23 UCO Bank 24 Union Bank 25 United Bank of India 26 Vijaya Bank Total Public Sector Bank 27 Axis Bank Ltd 28 City Union Bank 29 DCB Bank Ltd 30 Federal Bank 31 HDFC Bank 32 ICICI Bank 33 Indus Ind Bank 34 ING Vysya Bank 35 Karnatak Bank Ltd. 36 Karur Vysya Bank 37 Kotak Mahindra Bank Ltd 38 Laxmi Vilas Bank 39 The South Indian Bank Ltd. 40 Yes Bank Total Private Sector Bank 41 Odisha Gramya Bank 42 Utkal Grameen Bank Total RRBs Total Commercial Bank DRI Disbursement made during the Current year ( to ) Balance Outstanding as on Disbursement made during the Current year ( to ) Sector wise financing to Scheduled Caste PMEGP SHG Disbursement Balance made during the Outstanding as Current year on ( to Balance Outstanding as on WCC Disbursement made during the Current year ( to Balance Outstanding as on Annexure - 34 Amt in Cr. SJSRY Disbursement made during the Current year ( to Balance Outstanding as on ) ) ) No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt

110 Sl.No BankName Annexure - 34 Sector wise financing to Scheduled Tribe Amt in Cr. Crop Loan Agriculture Term Loan Allied Sector MSME No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jai State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Bank Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRBs Total Commercial Bank Disbursement made during the Current year ( to ) Balance Outstanding as on Disbursement made during the Current year ( to ) Balance Outstanding as on Disbursement made during the Current year ( to ) Balance Outstanding as on Disbursement made during the Current year ( to ) Balance Outstanding as on

111 Sl.No BankName 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Bharatiya Mahila Bank 7 Canara Bank 8 Central Bank of India 9 Corporation Bank 10 Dena Bank 11 IDBI Bank 12 Indian Bank 13 Indian Overseas Bank 14 Oriental Bank of Commerce 15 Punjab & Sind Bank 16 Punjab National Bank 17 State Bank of Bikaneer & Jai 18 State Bank of Hyderabad 19 State Bank of India 20 State Bank of Mysore 21 State Bank of Travancore 22 Syndicate Bank 23 UCO Bank 24 Union Bank 25 United Bank of India 26 Vijaya Bank Total Public Sector Bank 27 Axis Bank Ltd 28 City Union Bank 29 DCB Bank Ltd 30 Federal Bank 31 HDFC Bank 32 ICICI Bank 33 Indus Ind Bank 34 ING Vysya Bank 35 Karnatak Bank Ltd. 36 Karur Vysya Bank 37 Kotak Mahindra Bank Ltd 38 Laxmi Vilas Bank 39 The South Indian Bank Ltd. 40 Yes Bank Total Private Sector Bank 41 Odisha Gramya Bank 42 Utkal Grameen Bank Total RRBs Total Commercial Bank Annexure - 34 Sector wise financing to Scheduled Tribe Amt in Cr. Education Loan Housing Loan Other-Priority Sector Non-Priority Sector Loan Total Disbursement Disbursement Disbursement Disbursement Disbursement made during the Balance made during the Balance made during the Balance made during the Balance made during the Balance Current year Outstanding as Current year Outstanding as Current year Outstanding as Current year Outstanding as Current year Outstanding as ( to on ( to on ( to on ( to on ( to on ) ) ) ) ) No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt

112 Sl.No BankName 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Bharatiya Mahila Bank 7 Canara Bank 8 Central Bank of India 9 Corporation Bank 10 Dena Bank 11 IDBI Bank 12 Indian Bank 13 Indian Overseas Bank 14 Oriental Bank of Commerce 15 Punjab & Sind Bank 16 Punjab National Bank 17 State Bank of Bikaneer & Jai 18 State Bank of Hyderabad 19 State Bank of India 20 State Bank of Mysore 21 State Bank of Travancore 22 Syndicate Bank 23 UCO Bank 24 Union Bank 25 United Bank of India 26 Vijaya Bank Total Public Sector Bank 27 Axis Bank Ltd 28 City Union Bank 29 DCB Bank Ltd 30 Federal Bank 31 HDFC Bank 32 ICICI Bank 33 Indus Ind Bank 34 ING Vysya Bank 35 Karnatak Bank Ltd. 36 Karur Vysya Bank 37 Kotak Mahindra Bank Ltd 38 Laxmi Vilas Bank 39 The South Indian Bank Ltd. 40 Yes Bank Total Private Sector Bank 41 Odisha Gramya Bank 42 Utkal Grameen Bank Total RRBs Total Commercial Bank Sector wise financing to Scheduled Tribe DRI PMEGP SHG Annexure - 34 Amt in Cr. SJSRY Disbursement Disbursement made Disbursement made Disbursement made Disbursement made made during the Balance Balance Balance Balance Balance during the Current during the Current during the Current during the Current Current year Outstanding as Outstanding as Outstanding as on Outstanding as Outstanding as year ( to year ( to year ( to year ( to ( to on on on on ) ) ) ) ) No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt No Amt WCC

113 Target for Financing of JLGs during Format for reporting progress under Financing to Joint Liability Groups Name of the Bank: Progress at the end of the Month: No of JLGs finance during the month Loan disbursed to JLGs during the month Cumulative no of JLGs finance during the year Annexure - 35 Cumulative amount of loan disbursed to JLGs during the year Farm based Total Farm based Total Farm based Total Farm based Total

114 Financing under Joint Liability Groups(JLG) as on Annexure - 36 Amount in Crores Sl No. Name of Bank A/c Amt. A/c Amt A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBS Total of Commercial Banks Target Applications Sanctioned from to Application Disbursed from to Balance outstanding as on Orissa State Co-Op. Bank Total of Co-operative Banks GRAND TOTAL

115 Sl No. Financing under Artisan Credit Card as on Name of Bank Annexure - 37 Amount in Crores A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks Cards issued( to ) Balance Outstanding as on

116 Financing under Swarozgar Credit Cards as on Annexure - 38 Amount in Crores. Sl No. Name of Bank A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs A.Total of Commercial Banks Orissa State Co-Op. Bank B. Total of Co-operative Banks GRAND TOTAL SCC issued( to ) Balance Outstanding as on

117 Annexure - 39 PROGRESS UNDER EDUCATION LOAN AS OF Amount in Crores Sl Disbursed to Balance Outstanding as on NPA No. Name of Bank A/c Amt. A/c Amt Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs A.Total of Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Banks GRAND TOTAL

118 Annexure - 40 Amount in Cr PERFORMANCE UNDER HOUSING LOAN as on Disbursement made Balance outstanding NPA Outstanding during the current as on as on Name of Bank year ( to No of No of No of Amt. Amt A/c A/c A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Punjab & Sind Bank Punjab National Bank State Bank of B& J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Sl No. Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Grand Total

119 Sl.No BankName Performance under Rajiv Rinn Yojana Target Bank Name Disbursement made during the current year( to No of Amount Accounts Balance outstanding as on No of Accounts Amount Annexure - 40 NPA outstanding as on No of Accounts Amount 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Kotak Mahindra Bank Ltd Karnatak Bank Ltd Karur Vysya Bank Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total Commercial Banks Orissa State Co-Op. Bank OSCARD Bank Total of Co-operative Banks GrandTotal

120 Sl. No. Name of Bank Disbursementfrom to SIKHS Balance outstanding as on CREDIT FACILITY TO MINORITY AS ON MUSLIMS Disbursementfrom to Balance outstanding as on Disbursementfrom to CHRISTIANS Balance outstanding as on Disbursementfrom to Annexure - 41 Amount in Crores TOTAL Balance outstanding as on A/c Amt. A/c Amt. A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of B & J State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs A.Total Commercial Banks Orissa State Co-Op. Bank OSCARD Bank B.Total Co-operative Banks Total GrandTotal

121 CGTMSE - Odisha ( to ) Annexure - 42 Sl No District Name Approvals Approved Amount (in Rs. Lakh) Bank Name Approvals Approved Amount (in Rs. Lakh) 1 ANGUL ALLAHABAD BANK BALANGIR ANDHRA BANK BALASORE AXIS BANK LIMITED BARGARH BANK OF BARODA BHADRAK BANK OF INDIA BOUDH BANK OF MAHARASHTRA CUTTACK BHARATIYA MAHILA BANK DEOGARH CANARA BANK DHENKANAL CENTRAL BANK OF INDIA GAJAPATI CITY UNION BANK GANJAM CORPORATION BANK JAGATSINGHAPUR DENA BANK JAJAPUR EXPORT IMPORT BANK OF INDIA JHARSUGUDA HDFC BANK LIMITED KALAHANDI IDBI BANK LTD KANDHAMAL INDIAN BANK KENDRAPARA INDIAN OVERSEAS BANK KENDUJHAR KARNATAKA BANK LTD KHORDHA ORIENTAL BANK OF COMMERCE KORAPUT PUNJAB & SIND BANK MALKANGIRI PUNJAB NATIONAL BANK MAYURBHANJ SMALL INDUSTRIES DEVELOPMEN NABARANGAPUR STATE BANK OF BIKANER & JAIPU NAYAGARH STATE BANK OF HYDERABAD NUAPADA STATE BANK OF INDIA PURI STATE BANK OF PATIALA RAYAGADA SYNDICATE BANK SAMBALPUR UCO BANK SONAPUR UNION BANK OF INDIA SUNDERGARH UNITED BANK OF INDIA VIJAYA BANK Total Total

122 No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending Annexure - 43 Status on Disposal of Loan Applications under various Schemes( to ) WCC KCC ACC Sl. No BankName 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Pubic Sector Bank Axis Bank Ltd Ciy Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRB Total Commercial Bank Orissa State Co-Op. Bank Total Co-operative Bank Grand Total

123 No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending Annexure - 43 Status on Disposal of Loan Applications under various Schemes( to ) Crop Loan Agricultural term Loan Dairy Sl.No BankName 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Pubic Sector Bank Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRB Total Commercial Bank Orissa State Co-Op. Bank Total Co-operative Bank Grand Total

124 No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending Annexure - 43 Status on Disposal of Loan Applications under various Schemes( to ) Fishery DRI MSME Sl.No BankName 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jai State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Pubic Sector Bank Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRB Total Commercial Bank Orissa State Co-Op. Bank Total Co-operative Bank Grand Total

125 No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending Annexure - 43 Status on Disposal of Loan Applications under various Schemes( to ) SCC PMEGP SJSRY Sl. No BankName 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Pubic Sector Bank Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRB Total Commercial Bank Orissa State Co-Op. Bank Total Co-operative Bank Grand Total

126 No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending No of Applications Received No of Applications Sanctioned No of Applications Disbursed No of Applications Pending Annexure - 43 Status on Disposal of Loan Applications under various Schemes( to ) SHG SCST. BankName 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Pubic Sector Bank Axis Bank Ltd City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank ING Vysya Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRB Total Commercial Bank Orissa State Co-Op. Bank Total Co-operative Bank Grand Total

127 Annexure - 43 Status of Loan Applications under Various Schemes ( to ) No. of Application Sl. No. Parameters No. of Application received No. of Application disbursed No. of Application pending sanctioned 1 Crop loan Agricultural Term Loan Dairy Fishery DRI (PWD) MSME WCC(Handloom) KCC ACC SCC PMEGP SJSRY SHG SC-ST TOTAL

128 Name:- Jitendra Kumar Nayak Father s Name:- Surendra Nayak Vill:- Kulana Bazar Dist:-Bhadrak At/Po:- Kulana Block:- Bhandaripokhari Mob: Educational Qualification:- Bachelor In Arts SUCCESS STORY - 1 Jitendra Kumar Nayak, Age 21, Son of Surendra Nayak lives in the village of Kulana, Bhandaripokhari, Bhadrak. He passed Graduation and discontinued his further studies due to financial problem in the family. He became more frustrated in his life. One day he met the Director of UCO RSETI, Bhadrak through an awareness programme. He narrated his problem before him. He suggested Jitendra for taking admission in UCO RSETI, where he could take training of Multi - Phone Servicing free of cost. Finally he took admission in UCO RSETI, Bhadrak. During his training period he learned different behavioral inputs like communication skill, time management, market Survey etc. and soft skills of mobile repairing. It helped him to improve his personality development and more positive attitude in his life. After completion of his training he started NAYAK COMMUNICATION Mobile Shop cum Beetle Shop. Total project cost for his mobile repairing shop is around Rs. 2 Lakh. He applied loan from UCO Bank, Bhandaripokhari Branch, Bhadrak. The Bank sanctioned his loan amount of Rs. 60,000/-. Now, his mobile repairing shop has become more popular in his locality. After sanction of loan from bank he started his shop smoothly. Now he is earning Rs.10,000/- to 12,000/- per month & living happily with his family. He regularly comes to RSETI to share his painful past days and role of RSETI to overcome the obstacles among the trainees.

129 DATA ENTRY OPERATION SUCCESS STORY 2 Mr. INDAN BHUYAN, S/O CHAKRA BHUYAN, PLACE: MUNISING, DIST: GAJAPATI. Mr. Indan Bhuyan, S/o Chakra Bhuyan of Munising village is from a tribal family. He has studied up to 10 th class. Watching one news item in a local news paper about our ABRSETI meeting he came to us one day. He enquired about our training programmes and opted for Computer Basics. He was trained in our Institute during July Afterwards he opened a Xerox and job works shop at Mandalsahi. To have his Xerox machine, computer & printer he used his mothers SHG loan amount and his own savings. Along with photo copy, job works, photo printing, he is also dealing with recharge vouchers. Mandalsahi being a centrally located place of the district, his business is growing. He is earning Rs. 15,000 approximately in a month. He is very much optimistic about his future.

130 SUCCESS STORY 3 NAME OF THE RSETI:- UCO RSETI, CUTTACK NAME OF THE CANDIDATE:- Tapaswini Das W/o Soumyakanta Das At. Arunodaya Market, Dasa sahi,cuttack TELEPHONE NO BPL/APL :- APL BATCH NO. 12th Smt. Tapaswini Das, a graduate, took training on Beauty Parlour Management from our Institute for a period of 30 days in November Now she has opened a Beauty Parlour and is earning Rs.15000/- per month.

131 SUCCES STORY 4 Niranjan Behera: (School uniforms & Readymade Garment Mfg.) KADI MEHNAT, PUCCA IRADA, UCHI SOCH, If the saying has made an individual successful then this has been proved once again by Mr. Niranjan Behera of Soran, a backward village of Chilika Block of Khurda district. Born to a poor family with six brother & sister and his father having a small cloth shop faced lot of difficulties in maintaining The family expenditure from the shop in a village. Mr. Niranjan being the eldest among brother & sister dropped the idea of further studies at intermediate level and wanted to supplement the family income by employing himself in a private company. In the year 1998, he went to Gujarat in search of job with a friend and engaged himself as technical assistant at Gujarat petrochemical and subsequently he joined as supervisor in Delhi Metro Railways. Finally he thought that this low paid job is not his cup of tea and came back to his village with ideas of starting a business which can derive job satisfaction to him. He was hopeful of getting the right opportunities to make a career then a friend informed him of an opportunities in Hindustan Apparel at Hyderabad. There he started the career as labour and ended up wage employment career as floor manager. In the year 2010, he came back from Hyderabad with strong determination of establishing own apparel at his own block. He then sees a business opportunity in his own block as State government was procuring school uniform from neighboring state like Andhra Pradesh & West Bengal for the purpose of free distribution among school children in every block of Odisha state. He then actualized his ideas to start apparel centre in chilika block and contacted Block Development Officer for required guidance. Initially he was harassed by Govt. officials but he did not give up and applied under PMEGP scheme. By looking at the exposure & experience, General Manager, DIC, Bhubaneswar selected him for a loan. Though he was selected by DIC, Bhubaneswar, Bank Manager, Allahabad Bank, Kalupara Ghat was not convinced enough & rejected the proposal. He then vigorously pursued the Bank & looking at his interest, bank agreed to finance Rs Lakhs towards procurement of machines & working capital. Thereafter he never looked back & said each time he presented the feasibility of the proposal before branch manager, he got more confident to realize the dream.