THE PUNJAB STATE COOPERATIVE AGRICULTURAL DEVELOPMENT BANK LTD., CHANDIGARH.

PRESENTATION ON WORKING AND ACHIEVEMENTS

ADVANCEMENT 2010-11Rs. 496 2011-12 Rs. 513 2012-13Rs. 465 The Punjab State Cooperative Agricultural Development Bank Ltd., ChandigarhRECOVERY - 30.6.2012SADB LevelPADB LevelRs. In crore* No. of Banks in Cumulative Profit 62 Banks 65 BanksNo. of Banks in Cumulative Losses 27 Banks 24 BanksProfit/Loss

DemandCollectionBalance%age623 crore507 crore116 crore81%

DemandCollectionBalance%age1187 crore729 crore458 crore62%

Profit/Loss2011-122012-13CumulativeSADB21 crore23 croreNilPADB36 crore 40 crore*

PADBs-Profit/LossesRecovery Kharif 2012 (as on 31.1.2013)

Kharif, 2011 as on 31.1.2012Kharif, 2012 as on 31.1.2013

PADBs above 70%31 Banks33 BanksBetween 50% to 70%13 Banks18 BanksLess than 50%45 Banks38 Banks

PADBs in Profit /Loss2011-122012-13PADBs in Profit80 Banks82 BanksPADBs in losses9 Banks7 Banks

One Time Settlement Scheme - 2011

Under OTS (100%) :

Under OTS (20%) :

No. of beneficiariesAmount receivedRelief given13528111 crore56 crore

No. of beneficiariesAmount received239212 crore

Rs. In lacs

Sr. No.No. of PADBsTotal Loan O/S as on 31.3.2012Recovery Coop. year ending 30.06.2012 (%)Profit / Loss 2009-10Profit / Loss 2010-11Profit / Loss 2011-12Accumulated Profit/ Losses as on 31.3.2012GROUP 1 (17 PADBs)1JALALABAD75217426263111312FEROZEPUR686574962652012023ABOHAR616356212430554RAJPURA559659442648745DERA BASSI5289693849981476KAPURTHALA489250172021817HOSHIARPUR4674638934671198FAZILKA4663641126132059FARIDKOT45367317519818756010MUKTSAR4439532-323680911GIDDERBAHA41795526-270-13777912GURU HAR SAHAI4038702563161613PATTI387544-36245067114NABHA37668313116821551415BHAWANIGARH37588564135-68016BATHINDA37216333434522617KHARAR3637762539771

Statement Showing Loan Outstanding, Accumulated Losses and Profit & Loss of PADBs

Rs. In lacs

GROUP 2 (28 PADBs)1ZIRA3419681202362925522PATIALA3384671111411061223LAMBI329163357-3884SUNAM3208596184492425GURDASPUR3182451460541516MALOUT31603792-145-1044247MOGA3140915845281318ANAND PUR SAHIB313168111825659SHAKOT31274944991124910SAMANA305152130377026311DERA BABA NANAK2853452-7-1828912MUKERIAN2828702-27313313BHOLATH2782804892114BUDHLADA268133121811119315DEVIGARH26473415554245

Sr. No.No. of PADBsTotal Loan O/S as on 31.3.2012Recovery Coop. year ending 30.06.2012 (%)Profit / Loss 2009-10Profit / Loss 2010-11Profit / Loss 2011-12Accumulated Profit/ Losses as on 31.3.2012

Rs. In lacs

Sr. No.No. of PADBsTotal Loan O/S as on 31.3.2012Recovery Coop. year ending 30.06.2012 (%)Profit / Loss 2009-10Profit / Loss 2010-11Profit / Loss 2011-12Accumulated Profit/ Losses as on 31.3.201216TALWANDI SABO2610481717115717BATALA26014222351812918RAMPURAPHUL2577490201911419GHANOUR25687527-10967420DHURI25486693507121421SULTANPUR25258354873533722PATHANKOT242145-25699757223MANSA234038-10719976124TARN TARAN233248-84875730625JAITO23215514012015015026BHIKHIWIND226965210252527BASSI PATHANA2169854432328028MORINDA2135924446793

Rs. In lacs

Sr. No.No. of PADBsTotal Loan O/S as on 31.3.2012Recovery Coop. year ending 30.06.2012 (%)Profit / Loss 2009-10Profit / Loss 2010-11Profit / Loss 2011-12Accumulated Profit/ Losses as on 31.3.2012GROUP 3 (37 PADBs)1DASUYA2097676-54371082TAPPA209150-23742563KARTARPUR2055785438391314PATRAN19903719950563175LEHRAGAGGA194643112115-1692706GARHSHANKAR194696113147ROPAR19387125514668SANGRUR19177069147482759AMLOH18919073537420110MALERKOTLA1881604515410830711KHAMANO18819697102012612BARNALA18806715315014474513AMRITSAR18666609212014LOPOKE185660534027215SHERPUR184276408317816NIHALSINGHWALA18428665593415817FATEHGARH SAHIB/SIRHIND1831831061095626618BABA BAKALA18275566414715

Rs. In lacs

Sr. No.No. of PADBsTotal Loan O/S as on 31.3.2012Recovery Coop. year ending 30.06.2012 (%)Profit / Loss 2009-10Profit / Loss 2010-11Profit / Loss 2011-12Accumulated Profit/ Losses as on 31.3.201219DHARAMKOT18046957364315420BALACHAUR17708459685117721RAMAN17655321431022SARDULGARH174936-401222568423BAGAPURANA168891236518924CHOLA SAHIB167659-35442116725AJNALA15576428655214426PHAGWARA155591191083727NATHANA1514421219-322108928MACHHIWARA14929753174723229GORAYA1483862224196530JAGRAON14688561574023731DIRBA144460161171933132NAKODAR1422953337209033KHANNA135689251026434NAWANSHAHR134596172194735DORAHA13218547603021936MAHILPUR1185935911637BANGA114496217322

Rs. In lacs

Sr. No.No. of PADBsTotal Loan O/S as on 31.3.2012Recovery Coop. year ending 30.06.2012 (%)Profit / Loss 2009-10Profit / Loss 2010-11Profit / Loss 2011-12Accumulated Profit/ Losses as on 31.3.2012GROUP 4 (7 PADBs)1RAIKOT1086951917-1412JALANDHAR108187-6-16-241193NURMAHAL104091671194KAHNUWAN103970213415345MALOUD1024813659402486SAMRALA1017887966622077LUDHIANA100265-20251465

Financial Parameters Rs. In crores

Sr. No. Particulars2010-112011-122012-13(T)1)Own Funds464.50481.21501.612)Paid-up Share Capital70.0270.9271.273)Reserve & Other Funds394.49410.29430.334)Loans Outstanding (PADBs)2068.532161.622173.485)PADBs in Profit45.4581 Banks35.6280 Banks39.8182 Banks6)PADBs in Loss9.508 Banks8.819 Banks6.997 Banks

Constraints Recapitalization Package (Vaidyanathan Task Force II for LT Structure) is necessary to revive the Long Term Structure Prior to 2.9.2011, NABARD contributed 95% under Farm Sector and 100% under Non Farm Sector schemes. Now, under loan system NABARD contributes only 90%. State Govt. and Govt. of India should contribute 5% each. Withdrawal of two-year cushion period for repayment to NABARD.NABARD provides refinance @ 9.30%. Rate of Interest on long term should be the same as in the case of Short term i.e., 4%.Stamp Duty Commercial Dairy has been exempted from Stamp Duty. Loans advanced by the PADBs under other schemes shiould also be exempted from Stamp Duty.

ComputerisationTotal No. of PADBs:89 PADBsPADBs working on computers: 61 PADBs Computerization in 1st Phase :20 PADBsComputerization started: 4 PADBsSoftware developed by Punjab Engineering College has been implemented (upto 85%) at the Head Office level. At the Primary Bank level, the Application Software has also been developed and now, with the recruitment of new staff, the work in the above software has been initiated for PADB Patiala, Amloh, Bhawanigarh and Ropar.The Bank has approached NICSI to study and standardize developed Application Software with requisite security measures, required for hosting the customized software module of Primary Banks.Deposit Mobilisation to be strengthened.Stress on Awareness of Elected Representatives.Diversification of Agriculture : Stress to be laid on subsidy schemes of GOI/State Govt./NABARDFuture Initiatives

Knowledge Up-dation ProgrammesRegular training being imparted to the employees through its own Training Cell as well as at Punjab Institute of Cooperative Training and Regional Institute of Cooperative Management.

The employees are regularly imparted training on the issues identified after Training Need Analysis duly approved and reviewed by NABARD every year.

Upto middle level cadre employees are being imparted training at JLT Cell, PICT and RICM Chandigarh, whereas officers above Managers are being deputed for training at National Level Institutes like BIRD, Lucknow, VAMNICOM, Pune and National Institute for Rural Banking, Bangalore.

Teams of officers shall be deputed to study best practices in other states such as Kerala and Karnataka.

Thank You

The SADB has waived of penal interest from 1.4.2012 onwards. A sum of Rs. 7.50 crores has been given as financial package /soft loan to 10 weak PADBs.

Action Plan for 29 Weak PADBs

No.AmountDefaulter banks to SADB as on 30.6.201217 banks116.43 crorePADBs which cleared their default9 banks22.70 croreImprovement shown by PADBs8 banks32.64 croreDefaulter banks to SADB as on 31.1.201313 banks97.29 crorePADBs in Accumulated losses31.3.201227 banks 106.81 crorePADBs in Accumulated losses 31.3.201324 banks (T)103.77 crore

Financial Parameters Rs. In Lacs SUMMARY OF OWN FUNDS OF SADB FOR THE LAST 4 YEARS

S. No.Particulars2009-102010-112011-122012-13(T)1SHARE CAPITAL6925.567001.717091.957173.952RESERVE & OTHER FUNDS35345.9737516.5138958.3341168.65i) Reserve fund11130.4311816.6112299.61ii) Bad & doubtful Debts Reserve11130.4311816.6112299.61iii) Building Fund10557.9811106.9411493.36iv) Education fund169.31171.81 171.81v) Common Good fund1114.67 1197.011254.96vi) Agri Stabilisation Fund6594.537006.25 7296.05vii) Employees Benefit Fund459.02565.77532.40viii) Investment Fluctuation Fund150.08150.08 150.08ix) Good Pay Master Rebate fund 439.42378.39451.56x) Pri. Co. Agri Dev. Bank Fund 2776.892804.33 2823.65xi) NPA Provision560.95597.26530.94xii) Building & Infrastructure Dev. 295.95625.32857.173Profit during the year2744.781932.082070.632210.32TOTAL OWN FUNDS45016.3146450.3048120.9150552.92

Categorization of PADBs as per Loan OutstandingGroup - 1 : PADBs above Rs. 35.00 crore : 17 Banks

Group 2 : PADBs Rs. 21.00 crore upto : 28 Banks Rs. 35.00 crore.

Group 3 : PADBs Rs. 11.00 crore upto : 37 Banks Rs. 21.00 crore.

Group 4 : PADBs less than Rs. 11.00 crore : 7 Banks

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