|
Banking
A well-structured and efficient network of financial institutions helps to boost the economic growth. These financial institutions provide credit to all sections of the society and for infrastructure projects at reasonable rates. After liberalization the international financial institutions transformed the conservative financial sector into dynamic ones.
The financial market encompasses a number of financial entities like banking institutions, Joint stock companies, insurance companies, mutual funds, venture capital funds, pension funds etc. that perform a significant role in providing finances. These institutions supplement the role of banking sector in meeting the increasing financial needs of the corporate sector and delivering credit to the unorganized sector. But the financial sector of J&K is dominated by banks. Banks are meeting the financial requirements particularly of the un-organized sector and the self-employed in the micro and small business sectors. Infrastructure development which is regarded as a crucial source of economic competitiveness has heavy dependence on bank financing. Many ambitious flagship infrastructure development projects for achieving the long cherished objectives of equitable and inclusive growth are routed through banks. The insurance sector though well capitalized, is significantly exposed to banking system. By mobilizing resources, banks enable optimal use of financial resources.
To meet the objective of financial inclusion, banks are deepening and broadening their network apart from diversifying domain of their activities and jurisdiction. The institutional structure of banking in J&K consists of several institutions, namely, commercial banks, regional rural banks and cooperative banks. The aim of these credit agencies is to dispense adequate credit at cheaper rates.
As on 31/03/2018, 2036 branches of scheduled commercial banks, co-operative banks and state financial corporation (SFC) were in operation in J&K. The share of scheduled commercial banks is 85.90% with 23.82% of public sector banks, 45.68% of private sector banks and 16.40% of regional rural banks. 13.41% share is held by central/ state cooperative banks and only 0.69% is the share of state financial corporation (SFC).
|
No. of bank branches as on 31.03.2018 |
Bank Group |
March
2017 |
March
2018 |
% age share |
Growth
in %age |
(i) Public sector banks |
482 |
485 |
23.82% |
0.62% |
(ii) Private sector banks |
898 |
930 |
45.68% |
3.56% |
(iii)Regional rural banks |
343 |
334 |
16.40% |
-2.62% |
Total Scheduled Commercial Banks (i + ii + iii) |
1723 |
1749 |
85.90% |
1.50% |
Cooperative Banks |
268 |
273 |
13.41% |
1.86% |
Other Financial Institutions (SFC) |
14 |
14 |
0.69% |
0.00% |
Total (A+B+C) |
2005 |
2036 |
100% |
1.54% |
There has been notable improvement in the banking services with the increase in the bank branches over the years. On an average, 1 bank branch is available per 6185 people as on September-2017 whereas for India, it is 8708 persons. More importantly, the coverage of area per bank is declining year by year. During the year 2016-17 one branch was available per 49.99 Sq. Kms. More importantly, the coverage of area per bank is declining year by year. Following table provides overview of banking infrastructure with some business indicators over the years at state level.
Following table provides overview of banking infrastructure with some business indicators over the years at state level.
Development in banking sector (Amount is in Crore INR) |
Year |
Bank Branches |
Average Per Branch |
Deposits |
Advances |
Credit-Deposit Ratio |
Area
(Sq Km) |
Population
(‘000) |
2010-11 |
1302 |
77.87 |
10 |
45695 |
16252 |
35.57 |
2011-12 |
1449 |
69.97 |
9 |
55144 |
18949 |
34.36 |
2012-13 |
1638 |
61.90 |
8 |
64480 |
23542 |
36.51 |
2013-14 |
1893 |
53.56 |
7 |
72767 |
34398.9 |
47.27 |
2014-15 |
1936 |
52.39 |
7 |
78977.67 |
36508.41 |
46.23 |
2015-16 |
1998 |
50.74 |
7 |
86232.35 |
42348.25 |
49.11 |
2016-17 |
2005 |
49.99 |
7(P) |
99264.61 |
44305.66 |
44.62 |
2017-18 |
2036 |
49.79 |
7(P) |
109976.56 |
51914.29 |
47.20 |
Position of Credit Deposit Ratio of each district as on 31st March, 2018 |
S. No |
Name of District |
CD Ratio |
S. No |
Name of District |
CD Ratio |
Lead Districts of J&K Bank |
Lead Districts of SBI |
1 |
Srinagar |
49.62 |
1 |
Samba |
48.88 |
2 |
Ganderbal |
67.52 |
2 |
Kathua |
39.34 |
3 |
Baramulla |
42.14 |
3 |
Udhampur |
32.58 |
4 |
Bandipora |
64.69 |
4 |
Reasi |
33.51 |
5 |
Anantnag |
71.74 |
5 |
Jammu |
30.36 |
6 |
Kulgam |
75.37 |
6 |
Doda |
38.69 |
7 |
Pulwama |
77.07 |
7 |
Ramban |
34.08 |
8 |
Shopian |
102.24 |
8 |
Kishtwar |
28.79 |
9 |
Budgam |
79.86 |
9 |
Leh |
29.10 |
10 |
Kupwara |
76.54 |
10 |
Kargil |
39.42 |
11 |
Poonch |
27.08 |
|
|
` |
12 |
Rajouri |
30.65 |
|
|
|
ACHIEVEMENTS IN LENDING TO PRIORITY SECTOR/ NON-PRIORITY SECTOR UNDER ANNUAL CREDIT PLAN 2017-18
(Amount in Crores of rupees)
Name of the Sector |
ACP Target
FY 2017-18 |
Q4
Achievement
(31st March 2018) |
%age of Achievement |
Physical |
Financial |
Physical |
Financial |
Physical |
Financial |
Priority |
7,40,847 |
19,933.02 |
4,62,136 |
12,817.84 |
62% |
64% |
Non-Priority |
2,25,200 |
8,908.62 |
2,70,889 |
10,775.07 |
120% |
121% |
Total |
9,66,047 |
28,841.64 |
7,33,025 |
23,592.91 |
76% |
82%
|
Priority Sector |
Name of the Sub-Sector |
Target
(FY 2017-18) |
Q4
Achievement
(31st March 2018) |
%age of Ach. |
|
Physical |
Financial |
Physical |
Financial |
Physical |
Financial |
|
Agriculture |
4,79,111 |
7,700.42 |
3,05,769 |
6,053.48 |
64% |
79% |
|
MSMEs |
1,14,785 |
7,552.13 |
1,19,382 |
5,153.58 |
104% |
68% |
|
Export Credit |
253 |
120.40 |
97 |
109.65 |
38% |
91% |
|
Education |
13,368 |
447.31 |
6,081 |
127.46 |
45% |
29% |
|
Housing |
33,330 |
2,621.62 |
16,752 |
1,059.51 |
50% |
40% |
|
Social Infrastructure |
8,275 |
332.87 |
4 |
0.04 |
0% |
0.01% |
|
Renewable Energy |
13,238 |
62.46 |
153 |
9.54 |
1% |
15% |
|
Others |
78,487 |
1,095.81 |
13,898 |
304.58 |
18% |
28% |
|
Total |
7,40,847 |
19,933.02 |
4,62,136 |
12,817.84 |
62% |
64% |
|
Non-Priority Sector |
Name of the
Sub-Sector |
Target
(FY 2017-18) |
Q4
Achievement
(31st March 2018) |
%age of Ach. |
Physical |
Financial |
Physical |
Financial |
Physical |
Financial |
Agriculture |
0 |
0.00 |
0 |
0.00 |
0 |
0 |
MSMEs |
104 |
946.24 |
147 |
176.28 |
141% |
19% |
Education |
4,281 |
493.15 |
359 |
26.24 |
8% |
5% |
Housing |
8,042 |
1,734.70 |
4,319 |
541.23 |
54% |
31% |
Personal Loans |
61,174 |
2,007.55 |
2,02,434 |
6,195.81 |
331% |
309% |
Others |
1,51,599 |
3,726.98 |
63,630 |
3,835.50 |
42% |
103% |
Total |
2,25,200 |
8,908.62 |
2,70,889 |
10,775.06 |
120% |
121% |
CREDIT DISBURSEMENT UNDER GOVERNMENT SPONSORED SCHEMES
Scheme-wise/ Bank-wise and Region-wise performance of Banks under major Government Sponsored Schemes as on March 31, 2018:
(Amount in Crores of Rupees)
# |
Name of the Scheme |
Annual Target
2017-18 |
Cases spon-sored |
Achievement
as on 31.03.2018 (*) |
%age Ach. viz-a-viz |
Target |
Sponsor-ship |
A/C |
Amt. |
A/C |
A/C |
Amt. |
Phy |
Fin. |
Phy. |
1 |
NRLM |
4947 |
38.68 |
6069 |
5902 |
60.94 |
119% |
158% |
97% |
2 |
PMEGP |
4136 |
236.25 |
10515 |
4670 |
216.15 |
113% |
91% |
44% |
3 |
NULM |
10880 |
252.00 |
5671 |
2759 |
47.33 |
25% |
19% |
49% |
4 |
SC/ST/OBC |
1988 |
12.47 |
697 |
466 |
5.23 |
23% |
42% |
67% |
TOTAL |
21951 |
539.40 |
22952 |
13797 |
329.65 |
63% |
61% |
60% |
|
(*) This includes last year’s pending cases disbursed during the CFY.
REGION-WISE ANALYSIS OF ACHIEVEMENTS:
(Amount in Crores)
Region |
Target |
Sponsorship |
Achievement
as on 31.03.2018 |
%age Ach. viz-a-viz |
Target |
Sponsor-ship |
A/C |
Amt. |
A/C |
A/C |
Amt |
Phy |
Fin. |
A/C |
Kashmir |
12054 |
274.35 |
13157 |
8057 |
183.92 |
67% |
67% |
61% |
Jammu |
9068 |
248.95 |
9157 |
5300 |
120.08 |
58% |
48% |
58% |
Ladakh |
829 |
16.10 |
638 |
440 |
25.65 |
53% |
159% |
69% |
TOTAL |
21951 |
539.40 |
22952 |
13797 |
329.65 |
63% |
61% |
60% |
NATIONAL RURAL LIVELIHOOD MISSION (NRLM):
(Amount in Crores of Rupees)
Name of the Bank |
Target
2017-18 |
Cases sponsored |
Achievement
as on 31.03.2018 (*) |
%age Ach. viz-a-viz |
Target |
Sponsor-ship |
A/C |
Amt. |
A/C |
A/C |
Amt. |
Phy. |
Fin. |
Phy. |
J&K Bank |
4216 |
31.31 |
4871 |
4702 |
45.73 |
112% |
146% |
97% |
JKGB |
499 |
4.75 |
831 |
839 |
9.80 |
168% |
206% |
101% |
SBI |
92 |
1.02 |
124 |
123 |
2.03 |
134% |
200% |
99% |
PNB |
63 |
0.87 |
137 |
137 |
1.96 |
217% |
227% |
100% |
Other Banks |
77 |
0.73 |
106 |
101 |
1.42 |
131% |
195% |
95% |
TOTAL |
4947 |
38.68 |
6069 |
5902 |
60.94 |
119% |
158% |
97% |
(*) This includes last year’s pending cases disbursed during the CFY.
PRIME MINISTERS’ EMPLOYMENT GENERATION PROGRAMME (PMEGP):
The contribution of major players is tabulated below:
(Amount in Crores of Rupees)
Name of the Bank |
Target
2017-18 |
Cases sponsored |
Achievement
as on 31.03.2018 (*) |
%age Ach. viz-a-viz |
Target |
Sponsor-ship |
A/C |
Amt. |
A/C |
A/C |
Amt. |
Phy. |
Fin. |
Phy. |
J&K Bank |
2207 |
140.68 |
7679 |
3517 |
165.51 |
159% |
118% |
46% |
JKGB |
257 |
13.62 |
1144 |
497 |
21.60 |
193% |
159% |
43% |
EDB |
118 |
6.36 |
105 |
33 |
0.73 |
28% |
11% |
31% |
SBI |
598 |
28.75 |
600 |
153 |
6.38 |
26% |
22% |
26% |
PNB |
301 |
15.70 |
323 |
107 |
6.77 |
36% |
43% |
33% |
HDFC Bank |
83 |
3.96 |
3 |
0 |
0 |
0% |
0% |
0% |
BCC Bank |
42 |
2.07 |
286 |
219 |
9.12 |
521% |
440% |
77% |
Other Banks |
530 |
25.11 |
375 |
144 |
6.04 |
27% |
24% |
38% |
TOTAL |
4136 |
236.25 |
10515 |
4670 |
216.15 |
113% |
91% |
44% |
(*) This includes last year’s pending cases disbursed during the CFY.
SCHEDULE CASTE / SCHEDULE TRIBE /OTHER BACKWARD CLASSES (SC/ST/OBC):
The contribution of major players is tabulated below:
(Amount in Crores of Rupees)
Name of the Bank |
Target
2017-18 |
Cases sponsored |
Achievement
as on 31.03.2018 (*) |
%age Ach. viz-a-viz |
Target |
Sponsor-ship |
A/C |
Amt. |
A/C |
A/C |
Amt. |
Phy. |
Fin. |
Phy. |
J&K Bank |
897 |
6.23 |
583 |
385 |
4.24 |
43% |
68% |
66% |
SBI |
198 |
1.35 |
25 |
22 |
0.36 |
11% |
27% |
88% |
PNB |
112 |
0.63 |
9 |
7 |
0.07 |
6% |
11% |
78% |
JKGB |
149 |
0.96 |
37 |
28 |
0.30 |
19% |
31% |
76% |
EDB |
166 |
0.97 |
10 |
8 |
0.05 |
5% |
5% |
80% |
HDFC Bank |
44 |
0.26 |
1 |
0 |
0.00 |
0% |
0% |
0% |
Other Banks |
422 |
2.08 |
32 |
16 |
0.21 |
4% |
10% |
50% |
TOTAL |
1988 |
12.48 |
697 |
466 |
5.23 |
23% |
42% |
67% |
(*) This includes last year’s pending cases disbursed during the CFY.
NATIONAL URBAN LIVELIHOOD MISSION (NULM):
The contribution of major players is tabulated below:
(Amount in Crores of Rupees)
Name of the Bank |
Target
2017-18 |
Cases sponsored |
Achievement
as on 31.03.2018 (*) |
%age Ach. viz-a-viz |
Target |
Sponsor-ship |
A/C |
Amt. |
A/C |
A/C |
Amt. |
Phy. |
Fin. |
Phy. |
J&K Bank |
5281 |
124.60 |
4048 |
2133 |
35.79 |
40% |
29% |
53% |
SBI |
1483 |
34.95 |
273 |
119 |
2.24 |
8% |
6% |
44% |
PNB |
937 |
22.28 |
560 |
190 |
3.65 |
20% |
16% |
34% |
HDFC Bank |
642 |
14.41 |
12 |
2 |
0.01 |
0.31% |
0.07% |
16% |
Other Banks |
2537 |
55.76 |
778 |
315 |
5.64 |
12% |
10% |
40% |
TOTAL |
10880 |
252.00 |
5671 |
2759 |
47.33 |
25% |
19% |
49% |
(*) This includes last year’s pending cases disbursed during the CFY.
(ii) Non-Performing Assets (NPAs) under Government Sponsored Segment:
NPA position in respect of some major Government Sponsored Schemes is given below:
(Amt. in Crores of rupees)
# |
Scheme |
As on March 31, 2018 |
Amt. of Credit Outstanding |
Gross NPAs |
%age of NPA |
1 |
NRLM |
53.14 |
0.06 |
0.11% |
2 |
PMEGP |
206.73 |
12.72 |
6.15% |
3 |
JKSES |
93.25 |
13.08 |
14.03% |
4 |
NULM |
9.28 |
2.55 |
27.48% |
5 |
SC/ST/OBC |
82.79 |
5.32 |
6.43% |
PERFORMANCE UNDER HANDICRAFTS / HANDLOOMS:
Handicrafts / Artisans’ Credit Card Scheme
Name of the Bank |
Target
2017-18 |
Cases sponsored |
Achievement
as on 31.03.2018 (*) |
%age Ach. viz-a-viz |
Target |
Sponsor-ship |
A/C |
Amt. |
A/C |
A/C |
Amt. |
Phy. |
Fin. |
Phy. |
J&K Bank |
5144 |
46.58 |
7001 |
5082 |
46.63 |
99% |
100% |
73% |
JKGB |
954 |
8.73 |
861 |
434 |
3.91 |
45% |
45% |
50% |
EDB |
684 |
6.10 |
337 |
173 |
1.59 |
25% |
26% |
51% |
SBI |
897 |
8.20 |
382 |
157 |
1.48 |
18% |
18% |
41% |
PNB |
427 |
3.90 |
242 |
121 |
1.11 |
28% |
29% |
50% |
HDFC Bank |
251 |
2.28 |
7 |
4 |
0.04 |
2% |
2% |
57% |
B.C.C. Bank |
195 |
1.78 |
115 |
63 |
0.56 |
32% |
32% |
55% |
A.C.C. Bank |
155 |
1.23 |
36 |
36 |
0.35 |
23% |
28% |
100% |
JK SC Bank |
286 |
2.68 |
140 |
104 |
0.94 |
36% |
35% |
74% |
Other Banks |
694 |
6.39 |
77 |
43 |
0.39 |
6% |
6% |
56% |
TOTAL |
9687 |
87.86 |
9198 |
6217 |
57.00 |
64% |
65% |
68% |
|
|
|
|
|
|
|
|
|
(Amount in Crores of Rupees)
(*) This includes last year’s pending cases disbursed during the CFY.
Artisans Credit Card (ACC) Scheme (out of total Handicrafts Scheme):
Name of the Bank |
Target
2017-18 |
Cases sponsored |
Achievement
as on 31.03.2018 (*) |
%age Ach. viz-a-viz |
Target |
Sponsor-ship |
A/C |
Amt. |
A/C |
A/C |
Amt. |
Phy. |
Fin. |
Phy. |
J&K Bank |
5067 |
46.06 |
6892 |
5038 |
46.29 |
99% |
100% |
73% |
Other banks |
4444 |
40.63 |
2081 |
1088 |
9.93 |
24% |
24% |
52% |
Total |
9511 |
86.69 |
8973 |
6126 |
56.22 |
64% |
65% |
68% |
(Amount in Crores of Rupees)
(*) This includes last year’s pending cases disbursed during the CFY.
Handlooms (Micro Credit Plan Scheme)
(Amount in Crores of Rupees)
Name of the Bank |
Target
2017-18 |
Cases sponsored |
Achievement
as on 31.03.2018 (*) |
%age Ach. Viz-a-viz |
Target |
Sponsor-ship |
A/C |
Amt. |
A/C |
A/C |
Amt. |
Phy. |
Fin. |
Phy. |
J&K Bank |
1424 |
13.32 |
2203 |
1386 |
12.86 |
97% |
97% |
63% |
JKGB |
190 |
2.11 |
198 |
130 |
1.54 |
68% |
73% |
66% |
EDB |
157 |
1.37 |
115 |
57 |
0.53 |
36% |
39% |
50% |
SBI |
274 |
2.65 |
107 |
54 |
0.53 |
20% |
20% |
50% |
PNB |
149 |
1.47 |
104 |
49 |
0.56 |
33% |
38% |
47% |
HDFC Bank |
95 |
0.97 |
0 |
0 |
0 |
0 |
0 |
0 |
B.C.C. Bank |
51 |
0.52 |
117 |
93 |
0.84 |
182% |
161% |
79% |
JK SC Bank |
36 |
0.32 |
55 |
23 |
0.16 |
64% |
50% |
42% |
Other banks |
289 |
2.74 |
42 |
25 |
0.23 |
9% |
8% |
60% |
TOTAL |
2665 |
25.47 |
2941 |
1817 |
17.25 |
68% |
68% |
62% |
(*) This includes last year’s pending cases disbursed during the CFY.
Progress under Pradhan Mantri Weaver’s MUDRA Yojana
Name of the Bank |
Target
2017-18 |
Cases sponsored |
Achievement
as on 31.03.2018 (*) |
%age Ach. Viz-a-viz |
Target |
Sponsor-ship |
A/C |
Amt. |
A/C |
A/C |
Amt. |
Phy. |
Fin. |
Phy. |
J&K Bank |
901 |
12.56 |
1246 |
700 |
7.95 |
78% |
63% |
56% |
JKGB |
126 |
1.07 |
156 |
93 |
1.45 |
74% |
137% |
60% |
SBI |
196 |
2.30 |
95 |
50 |
0.51 |
26% |
22% |
53% |
PNB |
107 |
1.28 |
74 |
28 |
0.57 |
26% |
44% |
38% |
HDFC Bank |
59 |
0.71 |
0 |
0 |
0 |
0 |
0 |
0 |
JKSC Bank |
51 |
0.67 |
102 |
73 |
1.35 |
143% |
202% |
72% |
Other banks |
259 |
3.40 |
80 |
42 |
0.50 |
16% |
15% |
53% |
TOTAL |
1699 |
21.99 |
1753 |
986 |
12.33 |
58% |
56% |
56% |
(Amount in Crores of Rupees)
(*) This includes last year’s pending cases disbursed during the CFY.
Dairy Entrepreneurship Development Scheme (DEDS):
GoI, Ministry of Agriculture and Farmers Welfare, Department of Animal Husbandry, Dairying and Fisheries have approved continuation of DEDS up to 31.03.2018 vide their communication bearing F.No.1-1/2009-DP dated 12th March, 2018 and subsequently approved its continuation for the financial year 2018-19 (beyond 12th Plan) vide communication bearing F.No.1-1/2009-DP dated 2nd May, 2018.
(Amount in Crores of Rupees)
Name of the Bank |
Target
2017-18 |
Cases Spon-sored |
Achievement
as on 31.03.2018 (*) |
%age Achievement
viz-a-viz |
Target |
Sponsor-ship |
A/C |
Amt. |
A/C |
A/C |
Amt. |
Phy. |
Fin. |
Phy. |
J&K Bank |
1204 |
26.76 |
2088 |
862 |
16.66 |
72% |
62% |
41% |
SBI |
197 |
3.77 |
232 |
92 |
1.13 |
47% |
30% |
40% |
PNB |
92 |
2.31 |
122 |
39 |
0.77 |
42% |
33% |
32% |
JKGB |
348 |
11.02 |
783 |
307 |
5.88 |
88% |
53% |
39% |
EDB |
151 |
4.27 |
73 |
20 |
0.31 |
13% |
7% |
27% |
HDFC Bank |
57 |
1.36 |
0 |
0 |
0 |
0 |
0 |
0 |
Other Banks |
270 |
5.69 |
103 |
44 |
0.80 |
16% |
14% |
43% |
TOTAL |
2319 |
55.18 |
3401 |
1364 |
25.55 |
59% |
46% |
40% |
CREDIT SHARING OF MAJOR PLAYERS IN J&K STATE:
The contribution of individual banks to overall advances outstanding made by all banks as on March 31, 2018 is tabulated hereunder:
(Amt. in Crores of Rs.)
Name of the Bank |
Size of the Bank in J&K State (Branch Network ) (31.03.2018) |
%age share in total Branch Network
(31.03.2018) |
Advances o/s
(31.03.2018) |
%age share to total outstanding advances of all Banks
(31.03.2018) |
J&K Bank |
778 |
38.21% |
32,462.09 |
62.53% |
JKGB |
217 |
10.66% |
1,595.88 |
3.07% |
SBI |
195 |
9.58% |
8,336.23 |
16.06% |
EDB |
117 |
5.75% |
429.04 |
0.83% |
PNB |
107 |
5.26% |
2,404.35 |
4.63% |
JCC Bank |
89 |
4.37% |
378.17 |
0.73% |
HDFC Bank |
73 |
3.59% |
1,849.06 |
3.56% |
ICICI Bank |
37 |
1.82% |
439.29 |
0.85% |
BCC Bank |
35 |
1.72% |
208.25 |
0.40% |
ACC Bank |
35 |
1.72% |
116.18 |
0.22% |
Canara Bank |
33 |
1.62% |
505.33 |
0.97% |
J&K SC Bank |
37 |
1.82% |
259.73 |
0.50% |
AXIS Bank |
26 |
1.28% |
308.55 |
0.59% |
CBI |
18 |
0.88% |
193.5 |
0.37% |
UCO Bank |
20 |
0.98% |
147.8 |
0.28% |
OBC |
20 |
0.98% |
199.78 |
0.38% |
P& S Bank |
16 |
0.79% |
174.3 |
0.34% |
Union BoI |
13 |
0.64% |
218.31 |
0.42% |
Other Banks/ FIs |
170 |
8.35% |
1,688.45 |
3.25% |
Total |
2036 |
|
51,914.29 |
|
100% COVERAGE OF FARMERS IN J&K STATE UNDER KISSAN CREDIT CARD (KCC) SCHEME
Banks operating in J&K State have issued a total of 10,76,368 Kissan Credit Cards (KCCs) to the farm operating families in the State up to 31st March, 2018, indicating a total outstanding credit balance of Rs.6,975.79 Crore.
SELF HELP GROUP – BANK LINKAGE PROGRAMME (EXCLUDING SHGS UNDER NRLM & NULM) PROGRESS AS ON 31.03.2018
Under SHG-Bank Linkage Programme (excluding the SHGs formed under NRLM & NULM) banks in J&K State have credit-linked 767 SHGs during the FY 2017-18 in whose favour a total amount of Rs.12.15 Crore was disbursed, taking the total number of accounts under SHG-Bank Linkage Programme to 2356 with a total outstanding credit balance of Rs.21.52 Crore as on 31st March, 2018.
Performance of major banks is given below for information of the house:
(Amt. in lakhs of Rupees)
Name of the bank |
SHG’S Saving linkage |
SHG’s Credit linkage |
No. of SHGs SB accounts opened during CFY (2017-18) |
Total No. of Active SHG SB accounts as on 31st Mar. 2018 |
Total available balance in Active Savings Accounts |
No. of SHGs credit linked during CFY
(2017-18) |
Total Amount disbursed during CFY (2017-18) |
Total No. of SHG accounts as on 31st Mar. 2018 |
Total Amount out-standing as on 31st Mar. 2018 |
J&K Bank |
163 |
513 |
49.33 |
138 |
244.30 |
465 |
674.06 |
SBI |
68 |
239 |
77.99 |
37 |
57.48 |
239 |
203.56 |
PNB |
260 |
743 |
47.90 |
303 |
521.99 |
460 |
436.50 |
HDFC Bank |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
JKGB |
119 |
353 |
113 |
102 |
80.53 |
320 |
241.76 |
EDB |
135 |
1333 |
68.03 |
135 |
236.21 |
334 |
336.89 |
Other banks |
299 |
1424 |
60.5 |
52 |
74.05 |
538 |
259.54 |
TOTAL |
1044 |
4605 |
416.75 |
767 |
1214.56 |
2356 |
2152.31 |
FINANCE TO JOINT LIABILITY FARMING GROUPS (JLGS) OF “BHOOMI HEEN KISSAN”:
Against the target of 4336 JLGs fixed for the State for FY 2017-18 on the basis of network of rural banks branches operating in the respective districts (in light of the observations made by the house during 106th meeting) banks in J&K State have formed 1091 JLGs upto the end of 31st March, 2018. During the said period banks have credit-linked 994 JLGs extending a total amount of Rs.1601.07 lakhs in their favour.
Details of the district-wise revised targets for FY 2017-18 / progress achieved by banks as on 31.03.2018
(Amt. in lacs)
S.
No |
Name of the District |
No. of rural branches |
Target (FY 2017-18) |
No. of JLGs formed |
JLGs credit-linked |
Accounts |
Amount |
1 |
Srinagar |
18 |
72 |
3 |
3 |
6.00 |
2 |
Ganderbal |
34 |
136 |
19 |
19 |
40.40 |
3 |
Baramulla |
100 |
400 |
47 |
40 |
120.00 |
4 |
Bandipora |
25 |
100 |
6 |
1 |
2.50 |
5 |
Anantnag |
81 |
324 |
91 |
52 |
104.00 |
6 |
Kulgam |
38 |
152 |
25 |
25 |
50.00 |
7 |
Pulwama |
54 |
216 |
26 |
4 |
14.50 |
8 |
Shopian |
27 |
108 |
0 |
0 |
0 |
9 |
Budgam |
69 |
276 |
17 |
15 |
33.00 |
10 |
Kupwara |
55 |
220 |
124 |
112 |
195.47 |
11 |
Poonch* |
31 |
184* |
9 |
9 |
4.40 |
12 |
Rajouri |
66 |
264 |
83 |
73 |
91.20 |
13 |
Jammu |
125 |
500 |
134 |
134 |
205.30 |
14 |
Samba |
58 |
232 |
157 |
157 |
301.00 |
15 |
Udhampur |
66 |
264 |
35 |
35 |
41.00 |
16 |
Reasi |
46 |
184 |
4 |
4 |
2.00 |
17 |
Kathua |
61 |
244 |
162 |
162 |
255.50 |
18 |
Doda |
38 |
152 |
84 |
84 |
92.48 |
19 |
Ramban |
29 |
116 |
0 |
0 |
0 |
20 |
Kishtwar |
13 |
52 |
65 |
65 |
42.32 |
21 |
Leh |
20 |
80 |
0 |
0 |
0 |
22 |
Kargil |
15 |
60 |
0 |
0 |
0 |
TOTAL |
1,069 |
4,336 |
1091 |
994 |
1601.07 |
*NABARD has allocated additional target of 60 JLGs to JKGB in District Poonch.
ROADMAP FOR COVERAGE OF 104 IDENTIFIED VILLAGES HAVING POPULATION OVER 5000 IN J&K STATE, WHICH ARE WITHOUT A BRANCH OF SCHEDULED COMMERCIAL BANK:
S. No. |
Name of the Bank |
No. of Villages initially allocated |
No. of villages reduced if any |
No. of Villages added, if any |
Total No. of villages allocated |
Achievement as on 31.05.2018 |
Villages covered by opening brick & mortar branches |
Covered through CBS-enabled banking outlets |
Total
|
1 |
J&K Bank |
40 |
… |
8 |
48 |
06 |
03 |
09 |
2 |
SBI |
20 |
5 |
… |
15 |
01 |
05 |
06 |
3 |
PNB |
12 |
1 |
… |
11 |
… |
… |
… |
4 |
HDFC Bank |
11 |
… |
… |
11 |
… |
… |
… |
5 |
ICICI Bank |
06 |
1 |
… |
05 |
… |
… |
… |
6 |
Canara Bank |
05 |
… |
… |
05 |
… |
… |
… |
7 |
UCO Bank |
05 |
… |
…. |
05 |
… |
03 |
03 |
8 |
CBI |
05 |
1 |
… |
04 |
… |
… |
… |
TOTAL |
104 |
8 |
8 |
104 |
07 |
11 |
18 |
Implementation of Electronic Benefit Transfer (EBT) Scheme in J&K State:
For ensuring hassle-free implementation of EBT Scheme in J&K State Government of J&K has already entered into an MOU with J&K Bank on 26th November, 2013. The J&K Bank has been designated as Leader Bank for all districts in J&K State. Finance Department is the umbrella department from the State Government to coordinate, oversee and facilitate roll out of EBT. As on 31st march, 2018, all the 22 districts of the State have been brought under the purview of EBT scheme for one Scheme, i.e. IGNOAPS.
PROGRESS ACHIEVED IN ISSUANCE OF AADHAAR CARDS IN J&K STATE & SEEDING OF AADHAAR AND MOBILE NUMBERS INTO THE BANK ACCOUNTS:
Aadhaar Generation details (Age-wise)
as on 17.04.2018 |
Population
(Census 2011) |
Aadhaar Generated |
%age |
a |
Up to 5 years |
14,14,884 |
1,38,374 |
9.78% |
c |
5 years & above up to 18 years |
35,81,478 |
21,83,434 |
60.96% |
b |
18 years & above |
75,44,940 |
77,07,462 |
102.15% |
A |
Total Population (Census 2011) |
1,25,41,302 |
1,00,29,270 |
79.97% |
Aadhaar Seeding details as on 31.03.2018 |
Number |
%age |
B |
Total No. of Individual Saving Bank accounts in the State |
1,22,75,031 |
- |
C |
Out of (B), Individual SB accounts seeded with Aadhaar |
71,59,041 |
58.32% |
D |
%age of accounts seeded with Aadhaar viz a viz total Aadhaar generated in the state. |
- |
71.38% |
Mobile Seeding details |
E |
Individual Saving Bank accounts seeded with Mobile |
97,54,445 |
79.47% |
Setting up of Aadhaar Centres in Bank Branches:
Pursuant to Government of India amendments to the Prevention of Money Laundering Act (PMLA) on 01/06/2017 with a view to frame the action plan to seed all the bank accounts with Aadhaar, Unique Identification Authority of India (UIDAI) vide Gazette Notification dated: 14/07/2017 mandated every Scheduled Commercial Bank to set up Aadhaar enrolment and updation facility inside its bank premises at a minimum of 1 (one) out of their every 10 (ten) branches.
Unique Identification Authority of India (UIDAI) vide Circular bearing F. No. 4(4)/ 57/ 341/ 2017- E&U-pt dated: 23rd February, 2018 has set up the procedures regarding minimum number of Aadhaar enrolment and update to be done by the banks along with other guidelines
In J&K State, 188 Bank Branches have been designated by 16 banks for Aadhaar enrolment and update Centres, the details as on 18.06.2018 are given a under:
Sr. No. |
Name of the Bank |
No. of Branches Designated for Aadhaar Enrollment and updation |
ECMP KITS |
Cumm. Enrolments and Updation made from the inception of the centres |
Total Kits deployed by the Bank |
Out of (B),
No. of Working Kits (UIDAI) |
Out of C, Kits with Zero enrolment |
Out of (A), Kits not deployed |
Total Non-Working kits |
|
|
A |
B |
C |
D |
E = A - B |
F = D + E |
H |
1 |
J&K Bank Ltd |
100 |
92 |
72 |
7 |
8 |
15 |
75,508 |
2 |
S. B. I |
20 |
16 |
14 |
2 |
4 |
6 |
5811 |
3 |
P. N. B |
24 |
4 |
4 |
1 |
20 |
21 |
807 |
4 |
HDFC Bank |
11 |
11 |
9 |
3 |
0 |
3 |
479 |
5 |
ICICI Bank |
1 |
1 |
1 |
0 |
0 |
0 |
NA |
6 |
Canara Bank |
3 |
3 |
3 |
0 |
0 |
0 |
3226 |
7 |
Axis Bank |
1 |
1 |
1 |
0 |
0 |
0 |
105 |
8 |
O. B. C |
1 |
1 |
1 |
0 |
0 |
0 |
148 |
9 |
IndusInd Bank |
1 |
1 |
1 |
1 |
0 |
1 |
0 |
10 |
Punjab and Sind Bank |
4 |
4 |
4 |
0 |
0 |
0 |
160 |
11 |
Allahabad Bank |
3 |
3 |
3 |
1 |
0 |
1 |
NA |
12 |
Bandhan Bank |
1 |
1 |
1 |
0 |
0 |
0 |
NA |
13 |
E. D. B |
11 |
7 |
3 |
0 |
4 |
4 |
965 |
14 |
Syndicate Bank |
4 |
3 |
2 |
0 |
1 |
1 |
96 |
15 |
Bank of Baroda |
1 |
1 |
1 |
0 |
0 |
0 |
35 |
16 |
Central Bank of India |
2 |
0 |
0 |
0 |
2 |
2 |
0 |
TOTAL |
188 |
149 |
120 |
15 |
39 |
54 |
87,340 |
Out of 188 branches designated by the banks for Aadhaar enrolment cum update centers, Aadhaar kits are functional in 120 Branches. There is a gap of 68 kits out of which 29 are deployed but are Non-functional whereas 39 Aadhaar kits are yet to be deployed by the banks in the designated branches.
IMPLEMENTATION OF DIGIDHAN MISSION IN J&K:
DIGIDHAN Mission is an important component of Digital India Programme and envisions promotion of digital payments. Hon’ble Union Finance Minister in his budget speech on February 1, 2017 assigned a national target of 2500 Crore Digital Payment Transactions through various specified modes for 2017-18, viz. UPI, USSD, Aadhaar Pay, IMPS, Debit Cards, Credit Cards, Internet Banking, Mobile Banking, Mobile Wallets, NEFT, RTGS and NASH, out of which a target of 23 Crore transactions was apportioned to J&K State.
J&K Govt. has constituted an Apex State Level Committee, under Chairmanship of Chief Secretary, J&K Government vide Govt. Order No.15-ITD of 2017 dated 6.10.2017 to monitor the implementation of DIGIDHAN Mission to achieve the allocated target of 23 Crore Digital Payment Transactions among the Scheduled Commercial Banks operating in J&K State
Against the target of 23 Crore digital payment transactions allocated to J&K State for CFY, 5.08 Crore digital transactions have occurred up to 31.03.2018 through Scheduled Commercial Banks in J&K State.
IMPLEMENTATION OF CREDIT LINKED SUBSIDY SCHEME (CLSS) UNDER PRADHAN MANTRI AWAS YOJANA (PMAY) IN J&K STATE- :
Credit Linked Subsidy Scheme (CLSS) as part of “Housing for All by 2022” mission is under Implementation in J&K State to address housing needs of Economically Weaker Sections, Low Income Group and Middle Income Group segments in urban areas.
Housing & Urban Dev. Department, J&K Govt. has designated J&K Housing Board as the Nodal / Sponsoring Agency for Srinagar and Jammu districts and District Urban Development Agency (DUDA) for other districts of the State.
District-wise position of physical target & achievement as on 31.03.2018 is as under:
S. No |
Name of District |
Target
FY
2017-18 |
Cases spon-sored |
Ach.as on 31.03.2018 |
S.
No. |
Name of District |
Target FY
2017-18 |
Cases spon-sored |
Ach.as on 31.03.2018 |
1 |
Srinagar |
5938 |
123 |
34 |
13 |
Jammu |
6230 |
81 |
15 |
2 |
Ganderbal |
399 |
20 |
2 |
14 |
Samba |
54 |
0 |
0 |
3 |
Budgam |
149 |
141 |
67 |
15 |
Kathua |
351 |
25 |
5 |
4 |
Anantnag |
580 |
156 |
51 |
16 |
Udhampur |
482 |
18 |
10 |
5 |
Kulgam |
250 |
91 |
44 |
17 |
Reasi |
200 |
5 |
2 |
6 |
Pulwama |
219 |
43 |
33 |
18 |
Doda |
487 |
27 |
31 |
7 |
Shopian |
246 |
120 |
44 |
19 |
Kishtwar |
335 |
4 |
2 |
8 |
Baramulla |
1329 |
279 |
134 |
20 |
Ramban |
74 |
0 |
0 |
9 |
Bandipora |
220 |
144 |
81 |
21 |
Rajouri |
80 |
37 |
18 |
10 |
Kupwara |
341 |
168 |
29 |
22 |
Poonch |
300 |
79 |
2 |
11 |
Leh |
223 |
0 |
0 |
|
|
|
|
|
12 |
Kargil |
161 |
31 |
29 |
|
TOTAL |
18648 |
1592 |
620 |
Bank-wise performance under CLSS of PMAY as at the end of 31.03.2018 is given as under:
(Amount in Crores of rupees)
Name of the Bank |
Target
for FY 2017-18 |
Cases Sponsored |
Achievement
As on 31.03.2018(*) |
Ach. %age viz-a-viz |
Target |
Sponsorship |
A/Cs |
Amt. |
|
A/Cs |
Amt. |
Phy. |
Fin. |
Phy. |
J&K Bank |
7101 |
281.63 |
1359 |
533 |
32.41 |
8% |
12% |
39% |
SBI |
2485 |
95.38 |
74 |
19 |
1.32 |
1% |
1% |
26% |
PNB |
1778 |
65.60 |
36 |
9 |
0.44 |
1% |
1% |
25% |
HDFC Bank |
786 |
34.43 |
0 |
0 |
0 |
0 |
0 |
0% |
JKGB |
1700 |
60.08 |
55 |
13 |
0.74 |
1% |
1% |
24% |
JCCB |
380 |
10.17 |
15 |
24 |
0.26 |
6% |
3% |
160% |
J&K SCB |
219 |
8.40 |
20 |
11 |
0.60 |
5% |
7% |
55% |
Other Banks |
4199 |
144.82 |
33 |
11 |
0.67 |
0.26 |
0.46% |
33% |
TOTAL |
18648 |
700.51 |
1592 |
620 |
36.44 |
3% |
5% |
39% |
(*) This includes pending cases of last year’s disbursed during the CFY.
Pradhan Mantri MUDRA Yojana (PMMY) - Progress in J&K State as on March 31, 2018:
The position of disbursement of loans by banks in J&K State under the Pradhan Mantri Mudra Yojana (PMMY) as on March 31, 2018, is as under:
(Amount in Crores)
S. No. |
Category |
Target
for CFY (2017-18) |
Achievement as on 31.03.2018 |
Achievement% (Financial) |
A/Cs |
Amount |
A/Cs |
Amount |
1 |
Shishu |
74,456 |
440.66 |
17,981 |
64.77 |
26% |
2 |
Kishore |
35136 |
1,316.43 |
71,821 |
1,646.14 |
114% |
3 |
Tarun |
8,720 |
708.10 |
10,051 |
740.05 |
104% |
TOTAL |
1,18,312 |
2,465.19 |
99,853 |
2,450.96 |
99% |
Implementation of Prime Ministers’ Fasal Bima Yojana (PMFBY):
PMFBY Scheme has been introduced in J&K in the year 2015-16. The Scheme was to be operative in the State covering 287 blocks falling in 20 districts (excluding districts of Kargil and Leh). Seven crops were to be covered under the Scheme with period of coverage for all the seven crops being Rabi 2016-17 and Kharief 2017, for a period of three years in terms of Operational Guidelines on PMFBY.
The State Government had been able to select the service providers for 10 districts of Jammu Division only, (i.e. M/S Reliance General Insurance, M/S Oriental Insurance Company and M/S ICICI Lombard,), as such the PMFBY Scheme stands already made operational in Jammu Division of the State.
Progress under Pradhan Mantri Jan Dhan Yojana (PMJDY):
The consolidated progress regarding implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY) in J&K State as on 31.03.2018 is given as under:
# |
Type of Bank |
No. of A/Cs opened |
Zero balance accounts |
RuPay Debit Cards |
Rural |
Urban |
Total |
Issued |
Active |
1 |
Public Sector |
2,03,197 |
1,53,837 |
3,57,034 |
71,386 |
3,10,364 |
2,38,112 |
2 |
Private Sector |
13,61,764 |
1,14,419 |
14,76,183 |
4,90,929 |
11,65,015 |
7,23,459 |
3 |
Regional Rural |
1,33,504 |
26,478 |
1,59,982 |
42,510 |
55,099 |
39,641 |
4 |
Cooperative |
8,151 |
3,311 |
11,462 |
2,090 |
2,912 |
2,290 |
TOTAL |
17,06,616 |
2,98,045 |
20,04,661 |
6,06,915 |
15,33,390 |
10,03,502 |
Progress regarding two Social Security Schemes 1) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and 2) Pradhan Mantri Suraksha Bima Yojana (PMSBY):
The consolidated progress on number of enrolments under two insurance schemes viz. PMSBY and PMJJBY up to 31.03.2018 in J&K State is given as under:
S.No |
Name of the Scheme |
No. of enrolments |
1 |
Pradhan Mantri Suraksha Bima Yojana (PMSBY) |
5,75,774 |
2 |
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) |
2,57,989 |
Total enrolments under PMSBY and PMJJBY |
8,33,763 |
- Insurance Claim details under PMSBY and PMJJBY:
- Consolidated summary of claims logged by banks operating in J&K State under PMSBY and PMJJBY as on 31.03.2018 is given as under:
# |
Name of the Bank |
PMSBY Claims |
|
|
|
|
- Amount disbursed
- (in lacs)
|
1 |
Public Sector Banks |
65 |
52 |
7 |
6 |
104.00 |
2 |
Private Sector Banks |
62 |
46 |
4 |
12 |
92.00 |
3 |
Regional Rural Banks |
15 |
10 |
3 |
2 |
20.00 |
4 |
Cooperative Banks |
0 |
0 |
0 |
0 |
0.00 |
TOTAL
|
142 |
108 |
14 |
20 |
216.00 |
# |
Name of the Bank |
PMJJBY Claims |
|
|
|
|
- Amount disbursed (in lacs)
|
1 |
Public Sector Banks |
72 |
61 |
3 |
8 |
122.00 |
2 |
Private Sector Banks |
307 |
297 |
2 |
8 |
594.00 |
3 |
Regional Rural Banks |
30 |
29 |
1 |
0 |
58.00 |
4 |
Cooperative Banks |
2 |
2 |
0 |
0 |
4.00 |
TOTAL |
411 |
389 |
6 |
16 |
778.00 |
- Progress regarding Atal Pension Yojana:
The consolidated progress on number of enrolments under Atal Pension Yojana upto 07.04.2018 in J&K State received from PFRDA is given as under:
Atal Pension Yojana (APY) |
No. of subscribers |
No. of subscribers sourced from the inception of the scheme |
45,830 |
No. of subscribers sourced from 01.04.2017 till 07.04.2018 against the target of 1,18,590. |
14,091 (12%) |
- As against annual target of enrolling 1,18,590 beneficiaries for CFY 2017-18 set by DFS, MoF, GoI based on the branch network of Scheduled Commercial Banks operating in J&K State, Banks have enrolled 14,091 beneficiaries up to April, 07, 2018 registering an achievement of 12%.
Category |
Target per Branch |
No. of Branches |
Target for 2017-18 |
No. of PRANs registered from 01.04.2017 till 07.04.2018 |
%age Ach. |
Total APY accounts sourced from inception |
Public Sector Banks |
70 |
471 |
32,970 |
7,207 |
22% |
18,799 |
Select PVT. Banks like J&K Bank, ICICI, HDFC & Axis Bank |
70 |
913 |
63,910 |
2,337 |
4% |
17,730 |
Private Sector Bank |
30 |
16 |
480 |
0 |
0% |
31 |
Regional Rural Banks |
60 |
334 |
20,040 |
4,540 |
23% |
9,095 |
DCCBs/ UCBs /SCBs |
20 |
26 |
520 |
0 |
0% |
15 |
Department of Post |
10 |
67 |
670 |
7 |
1% |
160 |
TOTAL |
- |
1827 |
1,18,590 |
14,091 |
12% |
45,830 |
STAND-UP INDIA PROGRAMME LAUNCHED BY HON’BLE PRIME MINISTER:
Stand-Up India Programme was launched by Hon’ble Prime Minister on April 5, 2016 to be implemented by all Scheduled Commercial Banks to facilitate bank loans between Rs.10.00 lakh and Rs.1.00 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) and at least one Women borrower per bank-branch for setting up Greenfield Enterprise in manufacturing, services or trading sector. In case of non-individual enterprises, at least 51% of the shareholding and controlling stake should be held by either an SC/ST or Woman entrepreneur.
Against the target of 3,498 cases, 1,749 branches of the Scheduled Commercial Banks in J&K State have disbursed an amount of Rs.51.37 Crore in favour of 332 beneficiaries, which includes 154 cases of women and 178 cases of SC/ST.
STATUS OF BUSINESS CORRESPONDENTS / BANK MITRAS IN J&K STATE:
- The Business Correspondent Agents/ Bank Mitras are playing a major role in spread of financial literacy by educating the people about banking services and meeting their banking needs. They are mobilizing people to enroll in three social Security schemes, viz. PMJJBY, PMSBY and APY, in far-flung / difficult areas in order to fulfil the National Mission of Financial Inclusion under PMJDY.
- A total of 1,475 Bank Mitras have been deployed in J&K State for providing banking services to 1,827 Sub Service Areas (SSAs) in rural areas. Under the directions of DFS, MoF, GoI, Banks have been directed to ensure their coverage either by opening Bank Branch or through Bank Mitras (BCs).
- Bank Mitras engaged by J&K Bank, State Bank of India and Ellaquai Dehati Bank have been equipped with Micro ATMs as well as Aadhaar Enabled Devices for card-based and Biometric transactions while as Bank Mitras of Punjab National Bank and Oriental Bank of Commerce have Aadhaar Enabled Micro ATMs capable for both type of transactions. J&K Grameen Bank has not provided any kind of devices to their Bank Mitras.
Bank wise position as on March 31, 2018 is given below:
Particulars |
1 |
2 |
3 |
4 |
5 |
6 |
TOTAL |
Name of the Bank |
JKB |
SBI |
PNB |
JKGB |
EDB |
OBC |
Bank Mitras (BM) |
Engaged |
970 |
179 |
62 |
232 |
28 |
4 |
1,475 |
Active |
569 |
179 |
46 |
232 |
10 |
4 |
1,040 |
No. of Micro ATMs |
Total |
881 |
151 |
48 |
0 |
3 |
4 |
1,087 |
Working |
569 |
151 |
34 |
0 |
3 |
4 |
761 |
Non-Working |
312 |
0 |
14 |
0 |
0 |
0 |
326 |
No. of AEPS Devices |
881 |
179 |
48 |
0 |
28 |
4 |
1,140 |
No. of SSAs Allotted |
1173 |
216 |
95 |
270 |
73 |
0 |
1,827 |
SSAs Covered through |
Bank Mitras |
615 |
149 |
62 |
172 |
28 |
0 |
1,026 |
Branches |
558 |
67 |
33 |
98 |
45 |
0 |
801 |
|
