BASIC DATA ON

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1 BASIC DATA ON PERFORMANCE OF STATE COOPERATIVE BANKS ( APRIL 1, 2016 to MARCH 31, 2017 ) National Federation of State Cooperative Banks Ltd. J. K. Chambers, Fifth Floor Plot No.76, Sector-17, Vashi, Navi Mumbai Tel: , Fax: (91) Address: nafscob@nafscob.org Website Address:

2 S.No. C O N T E N T S TABLE Page No. NO. P A R T I C U L A R S From to A: PART - I (AS ON 31ST. MARCH, 2017 ) I (A) State Cooperative Banks at a glance (Region Wise ) 2 2 I (B) State Cooperative Banks at a glance (Region Wise ) 3 3 I (C) State Cooperative Banks at a glance (Region Wise ) 4 4 II Number of Offices And Membership 5 5 III Paid up Share Capital 6 6 IV Reserve and other Funds 7 7 V (A) Deposits - Source-wise 8 8 V (B) Deposits - Type-wise 9 9 VI (A) Borrowings - from RBI / NABARD VI (B) Borrowings - Government / Commercial Banks VII Working Capital, Cash and balances with banks Investments VIII Investments IX (A) Loans Issued - Short Term ( Agricultural ) IX (B) Loans Issued - Short Term ( Non-Agricultural ) IX (C) Loans Issued - Medium Term ( Agricultural ) IX (D) Loans Issued - Medium Term ( Non-Agricultural ) X (A) Loans Outstandings - Short Term ( Agricultural ) X (B) Loans Outstandings - Short Term ( Non-Agricultural ) X (C) Loans Outstandings - Medium Term ( Agricultural ) X (D) Loans Outstandings - Medium Term ( Non-Agricultural ) XI Demand During XII Collection During XIII Balances (Overdues) XIV Percentage of Overdues to Demand XV Cost Of Management ( Cm ) &No. of Employees XVI Profit & Loss, Dividend Declared, Number Of Branches In Profit/loss & Audit Classification XVI (A) Details Of Kissan Credit Cards Issued By State Cooperative Banks and Loans Sanctioned / Disbursed On Them During XVI (B) Total Business, Yield On Employees, Cost Of Funds, Cost Of Deposits During XVI (C) Capital To Risk Weighted Assets Ratio During B: PART - II (AS ON 30TH. JUNE, 2017 ) XVII Details of Demand XVIII Details of Collection XIX Details of Balances(Overdues) XX Percentage of Overdues to Demand 35 PART - III Graphic Presentation ( Based on Part -I ) 37

3 INDICES USED S.No. Indices Details 1 N.A. Not Available 2 n.a. Not Applicable 3 N.D. Not Declared 4 S.T. Short Term 5 M.T. Medium Term 6 Agricl. Agricultural 7 Non-Agricl. Non-Agricultural 8 I.R.D.P. Integrated Rural Development Programme 9 L.D.B. Land Development Bank 10 NABARD National Bank for Agricultural and Rural Development 11 L.I.C. Life Insurance Corporation 12 N.C.D.C. National Cooperative Development Corporation Included in previous column total Includes Loans from other sources like N.C.D.C.,L.I.C. and ordinary Debentures 15 * Figures Related to the Cooperative year, ** Figures Related to the Cooperative year, *** Figures Related to the Cooperative year, NIL 19 0 NIL 20 % Percentage

4 F O R E W O R D National Federation of State Cooperative Banks Ltd.(NAFSCOB) has been bringing out the publications of Basic Data on Performance of State Cooperative Banks (SCBs), District Central Cooperative Banks (DCCBs) and Primary Agricultural Credit Societies (PACS) separately and also Review of Disbursement of Short Term Agricultural Loans for Rabi & Kharif Crops by SCBs on an annual basis. The present publication relates to the SCBs in the country and is intended to serve as Hand Book of Basic Data pertaining to many important areas of their performance during The data given in the publication are based on the information received directly from the SCBs. As desired by the SCBs, we have published the data as on March 31, 2017 as well as June 30, We are able to bring out the publication entirely due to the cooperation of SCBs for which we are very much thankful. We are also able to incorporate the graphical presentation of performance of the SCBs. The Publications of Basic Data till on SCBs, DCCBs and PACS have been finalized by using Visual Basic + Microsoft Access + Crystal Reports system for data input, Analysis and reporting. NAFSCOB migrated from this Software to a system with a hosted, scalable web based application. The present publication is the result of such a migration. Ms. Jocata Financial Advisory and Technology extended technical consultancy services to NAFSCOB for migrating from the previous software to the present software system. Shri Manoj Kumar, Assistant Director under the direct guidance of Dr. J. S. Hanamashetti, Dy. Director NAFSCOB, worked together to finalise this publication for the year We appreciate their sincere efforts. I am sure this publication would be very useful for the SCBs, DCCBs, Government, National level Organisations dealing with agriculture and cooperative rural credit, Cooperative Researchers, Planners and other concerned with the cooperative credit movement in the country. NAFSCOB Navi Mumbai Aug, 2018 Pub :2 B. Subrahmanyam Managing Director

5 BASIC DATA ON PERFORMANCE OF STATE COOPERATIVE BANKS PART - I ( AS ON 31ST MARCH ) (FROM PAGE NO. 2 TO 30)

6 (As on 31st March) Name of the Region TABLE-I (A) MAIN ITEMS RELATING TO THE PERFORMANCE OF STATE COOPERATIVE BANKS (REGION-WISE) No. of Offices with H. O. Total Membership of col.3 Cooperatives Total Share Capital of Col.5 from Govt Total Reserves of Col.7 Statutory of Col.7 A. C. S. Total Deposits of Col.10 from Coops. (Amount In Lakhs) of Col.10 Other Than Coops Central Zone ( % Share in Total ) Eastern Zone ( % Share in Total ) North-Eastern Zone ( % Share in Total ) Northern Zone ( % Share in Total ) Southern Zone ( % Share in Total ) Western Zone ( % Share in Total ) ALL INDIA TOTAL: Percentage ( % ) N.B. : N.B. : N.B. : N.B. : N.B. : N.B. : Central Zone consists of Delhi,Madhya Pradesh,Uttar Pradesh SCBs Eastern Zone consists of Bihar,Orissa,West Bengal SCBs North-Eastern Zone consists of Arunachal Pradesh,Assam,Manipur,Meghalaya,Mizoram,Nagaland,Sikkim,Tripura SCBs Northern Zone consists of Chandigarh,Haryana,Himachal Pradesh,Jammu and Kashmir,Punjab,Rajasthan,Chhattisgarh,Uttarakhand SCBs Southern Zone consists of Andaman and Nicobar,Andhra Pradesh,Karnataka,Kerala,Pondicherry,Tamil Nadu,Telangana SCBs Western Zone consists of Goa,Gujarat,Maharashtra SCBs NAFSCOB : 2 : NAVI MUMBAI

7 (As on 31st March) Name of the Region TABLE-I (B) MAIN ITEMS RELATING TO THE PERFORMANCE OF STATE COOPERATIVE BANKS (REGION-WISE) Total Borrowings of Col.13 RBI/NABARD/ Others of Col.13 Govt. of Col.13 Comm. Banks Working Capital Total Investments Total Loans Issued of Col.19 S.T. Agri. of Col.19 M.T. Agri. (Amount In Lakhs) of Col.19 Non-Agri. & Others Central Zone ( % Share in Total ) Eastern Zone ( % Share in Total ) North-Eastern Zone ( % Share in Total ) Northern Zone ( % Share in Total ) Southern Zone ( % Share in Total ) Western Zone ( % Share in Total ) ALL INDIA TOTAL: Percentage ( % ) N.B. : N.B. : N.B. : N.B. : N.B. : N.B. : Central Zone consists of Delhi,Madhya Pradesh,Uttar Pradesh SCBs Eastern Zone consists of Bihar,Orissa,West Bengal SCBs North-Eastern Zone consists of Arunachal Pradesh,Assam,Manipur,Meghalaya,Mizoram,Nagaland,Sikkim,Tripura SCBs Northern Zone consists of Chandigarh,Haryana,Himachal Pradesh,Jammu and Kashmir,Punjab,Rajasthan,Chhattisgarh,Uttarakhand SCBs Southern Zone consists of Andaman and Nicobar,Andhra Pradesh,Karnataka,Kerala,Pondicherry,Tamil Nadu,Telangana SCBs Western Zone consists of Goa,Gujarat,Maharashtra SCBs NAFSCOB : 3 : NAVI MUMBAI

8 (As on 31st March) Name of the Region TABLE-I (C) MAIN ITEMS RELATING TO THE PERFORMANCE OF STATE COOPERATIVE BANKS (REGION-WISE) Total Loans Outstanding of Col.23 S.T. Agri. of Col.23 M.T. Agri. of Col.23 Non-Agri. & Others Total Demand Total Recovery Balances (Overdues) % of Recovery to Demand Cost of Manag ement ( CoM ) Profit(+) Loss(-) No. of Branches working at Profit Loss (Amount In Lakhs) No. of Employees Central Zone ( % Share in Total ) Eastern Zone ( % Share in Total ) North-Eastern Zone ( % Share in Total ) Northern Zone ( % Share in Total ) Southern Zone ( % Share in Total ) Western Zone ( % Share in Total ) ALL INDIA TOTAL: Percentage ( % ) N.B. : N.B. : N.B. : N.B. : N.B. : N.B. : Central Zone consists of Delhi,Madhya Pradesh,Uttar Pradesh SCBs Eastern Zone consists of Bihar,Orissa,West Bengal SCBs North-Eastern Zone consists of Arunachal Pradesh,Assam,Manipur,Meghalaya,Mizoram,Nagaland,Sikkim,Tripura SCBs Northern Zone consists of Chandigarh,Haryana,Himachal Pradesh,Jammu and Kashmir,Punjab,Rajasthan,Chhattisgarh,Uttarakhand SCBs Southern Zone consists of Andaman and Nicobar,Andhra Pradesh,Karnataka,Kerala,Pondicherry,Tamil Nadu,Telangana SCBs Western Zone consists of Goa,Gujarat,Maharashtra SCBs NAFSCOB : 4 : NAVI MUMBAI

9 TABLE-II NUMBER OF OFFICES AND MEMBERSHIP (As on 31st March) (In Numbers) Name of the No. of Offices Membership Total State Cooperative Bank Incl. Head Office Cooperative Societies Individuals & Govt. Membership ( ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR 33 N.A. N.A KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 5 : NAVI MUMBAI

10 TABLE-III PAID UP SHARE CAPITAL (As on 31st March) (Amount In Lakhs) Name of the Paid Up Share Capital from: Total Share State Cooperative Bank Cooperative Governments Individuals Capital ( 6 to 8 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 6 : NAVI MUMBAI

11 TABLE-IV RESERVE AND OTHER FUNDS (As on 31st March) (Amount In Lakhs) Reserve and Other Funds Name of the Total Reserve State Cooperative Bank Statutory Reserve Agricultural Credit Other Funds Fund Stabilisation Fund Reserves ( 10 to 12 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 7 : NAVI MUMBAI

12 (As on 31st March) Name of the State Cooperative Bank TABLE-V (A) DEPOSITS - SOURCEWISE Institutional Deposits from Cooperative Individuals Local Bodies Others (Amount In Lakhs) Total Deposits 18 ( 14 to 17 ) or ( 19 to 23 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 8 : NAVI MUMBAI

13 TABLE-V (B) DEPOSITS - TYPEWISE (As on 31st March) (Amount In Lakhs) Name of the Typewise Deposits State Cooperative Bank Current Savings Fixed Reserve Funds Others ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 9 : NAVI MUMBAI

14 TABLE-VI (A) BORROWINGS FROM R.B.I. AND NABARD (As on 31st March) (Amount In Lakhs) Borrowings from R.B.I and NABARD Name of the Agricultural Non-Agricultural State Cooperative Bank Other Loans Total Short Term Medium Term Short Term Medium Term ( 24 to 28 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 10 : NAVI MUMBAI

15 TABLE-VI (B) BORROWINGS WITH GOVERNMENT / COMMERCIAL BANKS, CASH CREDIT (CC) & OVERDRAFTS (OD) AND TOTAL BORROWINGS (As on 31st March) (Amount In Lakhs) Name of the Borrowings from: State Cooperative Bank Government Commercial Banks CC+OD+Others Total Borrowings ( 29 to 32 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 11 : NAVI MUMBAI

16 TABLE-VII WORKING CAPITAL AND BALANCES WITH BANKS DURING (As on 31st March) (Amount In Lakhs) Name of the State Cooperative Bank Working Capital Cash On Hand Balances with banks Call Deposits ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 12 : NAVI MUMBAI

17 (As on 31st March) Name of the State Cooperative Bank TABLE-VIII INVESTMENTS WITH VARIOUS AGENCIES In Govt. Security Debentures of LDBs Other Trustee Security Fixed Deposits Other Investments (Amount In Lakhs) Total Investments ( 38 to 42 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 13 : NAVI MUMBAI

18 TABLE-IX (A) SHORT TERM AGRICULTURAL LOANS ISSUED (As on 31st March) (Amount In Lakhs) Short Term Agricultural Name of the Seasonal Others including Total Short Term State Cooperative Bank Agriculatural Marketing of Crops Supply & Agricultural Operations Distribution ( 44 to 46 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR N.A. N.A. N.A CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 14 : NAVI MUMBAI

19 TABLE-IX (B) SHORT TERM NON-AGRICULTURAL LOANS ISSUED (As on 31st March) (Amount In Lakhs) Short Term Non-Agricultural Name of the Total Short Term State Cooperative Bank Industrial Non-Agricultural Purposes Consumption Loans Others ( 48 to 50 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR N.A. N.A. N.A CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 15 : NAVI MUMBAI

20 TABLE-IX (C) MEDIUM TERM AGRICULTURAL LOANS ISSUED (As on 31st March) (Amount In Lakhs) Name of the Medium Term Agricultural Total Medium State Cooperative Bank Term Minor Irrigation Animal Husbandry Others Agricultural ( 52 to 54 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR N.A. N.A. N.A CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 16 : NAVI MUMBAI

21 TABLE-IX (D) MEDIUM TERM NON-AGRICULTURAL OTHERS LOANS ISSUED AND TOTAL LOANS AND ADVANCES (As on 31st March) (Amount In Lakhs) Medium Term Non-Agricultural Name of the Other Loans Total Loans State Cooperative Bank Purchase of Issued and Shares Others Total Advances ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR N.A. N.A. 0 N.A CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 17 : NAVI MUMBAI

22 TABLE-X (A) SHORT TERM AGRICULTURAL LOANS OUTSTANDING (As on 31st March) (Amount In Lakhs) Short Term Agricultural Name of the Seasonal Others including Total Short Term State Cooperative Bank Agriculatural Marketing of Crops Supply & Agricultural Operations Distribution ( 61 to 63 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 18 : NAVI MUMBAI

23 TABLE-X (B) SHORT TERM NON-AGRICULTURAL LOANS OUTSTANDING (As on 31st March) (Amount In Lakhs) Short Term Non-Agricultural Name of the Total Short Term State Cooperative Bank Industrial Non-Agricultural Purposes Consumption Loans Others ( 65 to 67 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 19 : NAVI MUMBAI

24 TABLE-X (C) MEDIUM TERM AGRICULTURAL LOANS OUTSTANDING (As on 31st March) (Amount In Lakhs) Name of the Medium Term Agricultural Total Medium State Cooperative Bank Term Minor Irrigation Animal Husbandry Others Agricultural ( 69 to 71 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 20 : NAVI MUMBAI

25 TABLE-X (D) MEDIUM TERM NON-AGRICULTURAL OTHERS LOANS OUTSTANDING AND TOTAL LOANS OUTSTANDING (As on 31st March) (Amount In Lakhs) Medium Term Non-Agricultural Name of the Other Loans Total Loans State Cooperative Bank Purchase of Outstandings Outstanding Shares Others Total ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 21 : NAVI MUMBAI

26 TABLE-XI DEMAND (As on 31st March) (Amount In Lakhs) Short Term Medium Term Name of the State Cooperative Bank Others Total Agricultural Non- Demand Agricultural Agricultural Non- Agricultural ( 78 to 82 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR N.A. N.A. N.A. N.A. N.A CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA N.A. N.A. N.A. N.A. N.A MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 22 : NAVI MUMBAI

27 TABLE-XII COLLECTION (As on 31st March) (Amount In Lakhs) Short Term Medium Term Name of the State Cooperative Bank Others Total Agricultural Non- Collection Agricultural Agricultural Non- Agricultural ( 84 to 88 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR N.A. N.A. N.A. N.A. N.A CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA N.A. N.A. N.A. N.A. N.A MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 23 : NAVI MUMBAI

28 TABLE-XIII BALANCES ( OVERDUES ) (As on 31st March) (Amount In Lakhs) Short Term Medium Term Name of the State Cooperative Bank Others Balances Agricultural Non- (Overdues) Agricultural Agricultural Non- Agricultural ( 90 to 94 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 24 : NAVI MUMBAI

29 (As on 31st March) Name of the State Cooperative Bank TABLE-XIV PERCENTAGE OF OVERDUES TO DEMAND Agricultural Short Term Non- Agricultural Agricultural Medium Term Non- Agricultural Others (Amount In Lakhs) Percentage of Overdues to Demand 101 ( 96 to 100 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 25 : NAVI MUMBAI

30 (As on 31st March) TABLE-XV COST OF MANAGEMENT (COM ) & TOTAL NUMBER OF EMPLOYEES Name of the State Cooperative Bank Cost of Management ( CoM ) % Salaries Other Expenses Total of CoM to Working Capital Total No. of Employees (Amount In Lakhs) CoM per Employee ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 26 : NAVI MUMBAI

31 TABLE-XVI PROFIT & LOSS, DIVIDEND DECLARED, NUMBER OF BRANCHES IN PROFIT/LOSS & AUDIT CLASSIFICATION (As on 31st March) Name of the State Cooperative Bank (Amount In Lakhs) Branches working at Audit Loss Classificat ion Profit(+) Dividend Branches working at Loss(-) Declared Profit (%) No's Amount No's Amount ANDAMAN AND NICOBAR N.A. N.A. N.A. N.A. A 2. ANDHRA PRADESH A 3. ARUNACHAL PRADESH**** B 4. ASSAM A 5. BIHAR B 6. CHANDIGARH A 7. CHHATTISGARH A 8. DELHI N.A. N.A. N.A. N.A. A 9. GOA C 10. GUJARAT A 11. HARYANA A 12. HIMACHAL PRADESH 9321 N.D A 13. JAMMU AND KASHMIR N.A. 14. KARNATAKA* A 15. KERALA N.A. N.A. N.A. N.A. B 16. MADHYA PRADESH A 17. MAHARASHTRA A 18. MANIPUR* C 19. MEGHALAYA A 20. MIZORAM B 21. NAGALAND*** D 22. ORISSA 1770 N.D A 23. PONDICHERRY C 24. PUNJAB A 25. RAJASTHAN A 26. SIKKIM A 27. TAMIL NADU A 28. TELANGANA A 29. TRIPURA A 30. UTTAR PRADESH 5288 N.D A 31. UTTARAKHAND*** A 32. WEST BENGAL**** A ALL INDIA TOTAL: of Column 108 Profit= of Column 108 Loss= Not Compiled NAFSCOB : 27 : NAVI MUMBAI

32 TABLE-XVI (A) DETAILS OF KISSAN CREDIT CARDS ISSUED BY STATE COOPERATIVE BANKS AND LOANS SANCTIONED / DISBURSED ON THEM DURING TO (As on 31st March) Name of the State Cooperative Bank NUMBER OF KISSAN CREDIT CARD ISSUED (In No's) NUMBER NUMBER LOAN OF LOAN OF SANCTION KISSAN SANCTION KISSAN ED/DISBU CREDIT ED/DISBU CREDIT RSED ON CARD RSED ON CARD KCC ISSUED KCC ISSUED (In No's) (In No's) LOAN SANCTIO NED/DISB URSED ON KCC ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA N.A. N.A. N.A. N.A. N.A. N.A. 16. MADHYA PRADESH MAHARASHTRA N.A. N.A. N.A. N.A. N.A. N.A. 18. MANIPUR* N.A. N.A MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH n.a. n.a. n.a. n.a. n.a. n.a. 31. UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 28 : NAVI MUMBAI

33 TABLE-XVI (B) TOTAL BUSINESS, YIELD ON EMPLOYEES, COST OF FUNDS, COST OF DEPOSITS DURING (As on 31st March) Name of the State Cooperative Bank Total Business Yield On Employees Cost of Funds (%) Cost of Deposits (%) ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR N.A. 14. KARNATAKA* KERALA MADHYA PRADESH MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: Not Compiled NAFSCOB : 29 : NAVI MUMBAI

34 TABLE-XVI (C) NON-PERFORMING ASSETS ( ABSOLUTE, GROSS & NET) AND CAPITAL TO RISK WEIGHTED ASSETS RATIO DURING (As on 31st March) Name of the State Cooperative Bank Non Performing Assets (NPA) Capital to Risk Weighted Assets Ratio (%) Absolute Gross (%) Net (%) ANDAMAN AND NICOBAR ANDHRA PRADESH N.A ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA N.A. 10. GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* N.A. N.A KERALA MADHYA PRADESH MAHARASHTRA N.A. N.A. N.A. 18. MANIPUR* N.A. N.A MEGHALAYA MIZORAM NAGALAND*** ORISSA N.A PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU N.A TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: Not Compiled NAFSCOB : 30 : NAVI MUMBAI

35 BASIC DATA ON PERFORMANCE OF STATE COOPERATIVE BANKS PART - II ( AS ON 30TH JUNE ) (FROM PAGE NO. 32 TO 35) NAFSCOB : 31 : NAVI MUMBAI

36 TABLE-XVII DETAILS OF DEMAND (As on 30th June) (Amount In Lakhs) NAME OF THE DETAILS OF DEMAND STATE COOPERATIVE BANK SHORT TERM MEDIUM TERM OTHERS TOTAL DEMAND ( 2 to 4 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** N.A. N.A. N.A ASSAM BIHAR N.A. N.A. N.A CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH* N.A. N.A. N.A MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA N.A. N.A. N.A PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** N.A. N.A. N.A WEST ALL INDIA TOTAL: NAFSCOB : 32 : NAVI MUMBAI

37 TABLE-XVIII DETAILS OF COLLECTION (As on 30th June) (Amount In Lakhs) NAME OF THE DETAILS OF COLLECTION STATE COOPERATIVE BANK SHORT TERM MEDIUM TERM OTHERS TOTAL COLLECTION ( 6 to 8 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** N.A. N.A. N.A ASSAM BIHAR N.A. N.A. N.A CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH* N.A. N.A. N.A MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA N.A. N.A. N.A PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** N.A. N.A. N.A WEST ALL INDIA TOTAL: NAFSCOB : 33 : NAVI MUMBAI

38 TABLE-XIX BALANCES ( OVERDUES ) (As on 30th June) (Amount In Lakhs) NAME OF THE BALANCES (OVERDUES) STATE COOPERATIVE BANK SHORT TERM MEDIUM TERM OTHERS BALANCES (OVERDUES) ( 10 to 12 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH* MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 34 : NAVI MUMBAI

39 TABLE-XX PERCENTAGE OF OVERDUES TO DEMAND (As on 30th June) (Amount In Lakhs) NAME OF THE PERCENTAGE OF OVERDUES TO DEMAND STATE COOPERATIVE BANK SHORT TERM MEDIUM TERM OTHERS Total Overdues (%) ( 14 to 16 ) 1. ANDAMAN AND NICOBAR ANDHRA PRADESH ARUNACHAL PRADESH**** ASSAM BIHAR CHANDIGARH CHHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHAL PRADESH JAMMU AND KASHMIR KARNATAKA* KERALA MADHYA PRADESH* MAHARASHTRA MANIPUR* MEGHALAYA MIZORAM NAGALAND*** ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMIL NADU TELANGANA TRIPURA UTTAR PRADESH UTTARAKHAND*** WEST BENGAL**** ALL INDIA TOTAL: NAFSCOB : 35 : NAVI MUMBAI

40 G R A P H I C P R E S E N T A T I O N (FROM PAGE NO. 36 to 54) NAFSCOB : 36 : NAVI MUMBAI

41 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (IN NUMBERS) YEAR NUMBER OF OFFICES NAFSCOB : 37 : NAVI MUMBAI

42 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (IN NUMBERS) YEAR TOTAL MEMBERSHIP NAFSCOB : 38 : NAVI MUMBAI

43 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (AMOUNT IN CRORES) YEAR PAID UP SHARE CAPITAL NAFSCOB : 39 : NAVI MUMBAI

44 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (AMOUNT IN CRORES) YEAR RESERVE FUNDS NAFSCOB : 40 : NAVI MUMBAI

45 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (AMOUNT IN CRORES) YEAR TOTAL DEPOSITS NAFSCOB : 41 : NAVI MUMBAI

46 PERFORMANCE OF STATE COOPERATIVE BANKS DURING THE YEAR () (AMOUNT IN CRORES) YEAR CURRENT DEPOSITS SAVINGS DEPOSITS FIXED DEPOSITS RESERVE FUNDS AND OTHERS % to Total NAFSCOB : 42 : NAVI MUMBAI

47 PERFORMANCE OF STATE COOPERATIVE BANKS DURING THE YEAR () (AMOUNT IN CRORES) YEAR TOTAL DEPOSITS COOPERATIVE DEPOSITS INDIVIDUALS DEPOSITS LOCAL BODIES AND OTHERS % to Total NAFSCOB : 43 : NAVI MUMBAI

48 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (AMOUNT IN CRORES) YEAR TOTAL BORROWINGS NAFSCOB : 44 : NAVI MUMBAI

49 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (AMOUNT IN CRORES) YEAR WORKING CAPITAL NAFSCOB : 45 : NAVI MUMBAI

50 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (AMOUNT IN CRORES) YEAR INVESTMENTS NAFSCOB : 46 : NAVI MUMBAI

51 PERFORMANCE OF STATE COOPERATIVE BANKS DURING THE YEAR () (AMOUNT IN CRORES) YEAR GOVERNMENT SECURITY DEBENTURES OF LDBS OTHER TRUSTEE SECURITY OTHERS % to Total NAFSCOB : 47 : NAVI MUMBAI

52 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (AMOUNT IN CRORES) YEAR TOTAL LOANS ISSUED NAFSCOB : 48 : NAVI MUMBAI

53 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (AMOUNT IN CRORES) YEAR TOTAL LOANS OUTSTANDING NAFSCOB : 49 : NAVI MUMBAI

54 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (AMOUNT IN CRORES) YEAR TOTAL DEMAND NAFSCOB : 50 : NAVI MUMBAI

55 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (AMOUNT IN CRORES) YEAR TOTAL COLLECTION NAFSCOB : 51 : NAVI MUMBAI

56 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (AMOUNT IN CRORES) YEAR BALANCES (OVERDUES) NAFSCOB : 52 : NAVI MUMBAI

57 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (AMOUNT IN CRORES) YEAR COST OF MANAGEMENT ( CM ) NAFSCOB : 53 : NAVI MUMBAI

58 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) YEAR PERCENTAGE OF OVERDUES TO DEMAND PERCENTAGE ( % ) PERCENTAGE OF COST OF MANAGEMENT TO WORKING CAPITAL NAFSCOB : 54 : NAVI MUMBAI

59 PERFORMANCE OF STATE COOPERATIVE BANKS OVER A DECADE ( ) (IN NUMBERS) YEAR NO. OF EMPLOYEES

60 PRIMARY SOCIETIES (PACS, FSS & LAMPS) ( ) STATISTICAL DETAILS DISTRICT CENTRAL COOPERATIVE BANKS ( ) STATE COOPERATIVE BANKS ( ) 1. NO.OF STY.: NO.OF DCCBS: NO.OF SCBS: MEMBERSHIP: NO.OF BRANCHES INCLUDING H.O.: NO.OF BRANCHES INCLUDING H.O.: 3. OWNED FUNDS: MEMBERSHIP: 3. MEMBERSHIP: 4. DEPOSITS: TOTAL: TOTAL: BORROWINGS: COOPERATIVE: COOPERATIVE: LOANS ADV.: INDVL./GOI: INDVL./GOI: LOANS OUTS: OWNED FUNDS: OWNED FUNDS: PERG.OF OVR. TO DEMAND (%): DEPOSITS: DEPOSITS: EMPLOYEES: BORROWINGS: BORROWINGS: BORROWERS: LOANS ADV.: LOANS ADV.: LOANS OUTS: LOANS OUTS: PERG.OF OVR. TO DEMAND (%): (MEMBERSHIP & BORROWERS IN THOUSANDS) MAIN FEATURES : 1. PRIMARY AGRICULTURAL CREDIT SOCIETIES... ASSESMENT OF CREDIT NEEDS... DISBURSEMENT OF CREDIT TO MEMBERS... RECOVERY OF CREDIT... PROMOTE THE ECONOMIC INTERESTS OF THE MEMBERS 2. DISTRICT CENTRAL COOPERATIVE BANKS PERG.OF OVR. TO DEMAND (%): EMPLOYEES: EMPLOYEES: SERVE AS BALANCING CENTRE IN THE DISTRICT CENTRAL FINANCING AGENCIES... ORGANISE CREDIT TO PRIMARIES... CARRY OUT BANKING BUSINESS... SANCTION, MONITOR & CONTROL IMPLEMENTATION OF POLICIES 3. STATE COOPERATIVE BANKS... SERVE AS BALANCING CENTRE IN THE STATE... ORGANISE PROVISION OF CREDIT FOR CREDIT WORTHY FARMERS... CARRY OUT BANKING BUSINESS... LEADER OF THE COOPERATIVES IN THE STATE 4. NATIONAL FEDERATION OF STATE COOPERATIVE BANKS... PROVIDES A COMMON FORUM TO THE MEMBER BANKS... PROMOTES AND PROTECTS THE INTERESTS OF THE MEMBER BANKS (AMOUNT IN LAKHS)... CO-ORDINATES AND LIAISON WITH GOVERNMENT OF INDIA,RESERVE BANK OF INDIA, NATIONAL BANK AND OTHERS... PROVIDES RESEARCH AND CONSULTANCY INPUTS TO THE MEMBER BANKS... ORGANISES CONFERENCES/SEMINARS/WORKSHOPS/MEETINGS

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