Uttarakhand Gramin Bank

“Rebuilding Uttarakhand”A Social Enterprise Approach of

Uttarakhand Gramin Bank.

10 January, 2014

New Delhi

TO

All Dignitaries

atRebuilding Uttarakhand- A

RoundtableUTTARAKHAND GRAMIN BANK

2

WELCOMEWELCOME

Date of Establishment: 01November, 2012. (After amalgamation of Erstwhile Uttaranchal Gramin Bank and Nainital Almora Kshetriya Gramin

Bank)

Area of Operation: All 13 districts of Uttarakhand.

Other RRB in the State: None

UGB is having the 2nd Largest Network of Branches in Uttarakhand.3

UGB-AN INTRODUCTIONUGB-AN INTRODUCTION

1. Dehradun 2. Haridwar 3. Tehri

4. Uttarkashi 5. Pauri 6. Chamoli

7. Rudra Prayag 8. Pithoragarh 9. Champawat

10. Nainital 11. Almora 12. Udham Singh Nagar

13. Bageshwar

UGB – Branch Network

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BRANCH BRANCH NETWORKNETWORKSr. District Branches Region

1. Dehradun 35 Region-IDehradun

70 Branches2. Haridwar 09

3. Tehri 20

4. Uttarkashi 06

5. Pauri 39 Region-II Pauri

60 Branches6. Chamoli 13

7. Rudra Prayag 08

8. Pithoragarh 28 Region-III Pithoragarh

36 Br.9. Champawat 08

10. Nainital 27 Region-IV Haldwami

80 Br.11. Almora 25

12. Bageshwar 13

13. Udham Singh Nagar 15

Total 246

CAPITAL AND RESERVESCAPITAL AND RESERVES

FINANCIAL POSITION OF UGB

The CRAR of UGB as on 31st March 2013 is 14.63% as against the

prescribed 9%.5

Rs. in Crore

Particulars 31.03.10 31.03.11 31.03.12 31.03.13

Paid up capital 4.00 4.00 4.00 4.00

Share Capital Deposits 20.15 20.15 38.15 38.15

Reserves & Surplus 91.25 101.57 115.58 133.40

NATURAL CALAMITY IN UTTARAKHAND

HIMALAYAN TSUNAMI

MAXIMUM CALAMITY AFFACTED AREAS

DISTRICT LOSS

RUDRAPRAYAG Loss of Man-Power, Pilgrims, Local laborers, Livestock, Kedarnath Temple, All connecting routes to Kedarnath, Communication network, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

UTTARKASHI Gangotri Dham, All connecting routes, Communication set up, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

CHAMOLI Badrinath Dham, Hemkund Sahib, Valley of Flowers, All connecting routes, Communication set up, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

PITHORAGARH Kailash Mansarovar Yatra Route, All connecting routes, Communication set up, Agricultural Land, Trekking Routes, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

BAGESHWAR Pindari Glacier Trek, Loss of Man-Power, Local laborers, Livestock, All connecting routes, Communication set up, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

NATURAL CALAMITY IN UTTARAKHAND

HIMALAYAN TSUNAMI

LESSER CALAMITY AFFECTED AREAS

DISTRICT LOSS

DEHRADUN Loss of Man-Power, Tourist, Livestock, Maximum connecting routes to Hills, Communication network in Hills, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

TEHRI GARHWAL Loss of man Power, Connecting routes, Communication set up, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

PAURI GARHWAL All connecting routes, Communication set up, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

ALMORA All connecting routes, Communication set up, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

CHAMPAWAT All connecting routes to hills, Communication set up, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

NATURAL CALAMITY IN UTTARAKHAND

HIMALAYAN TSUNAMI

PARTIAL CALAMITY AFFECTED AREAS

DISTRICT LOSS

NAINITAL Tourist, Livestock, Maximum connecting routes to Hills, Communication network in Hills, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

HARIDWAR Tourism activities, Agricultural Land, Hotels/Motels/ Vehicles/ Houses/etc

UDHAM SINGH NAGAR

Agricultural Land, Hotels/Motels/ Vehicles/ Houses/ Schools/ Hospitals etc

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EFFECT OF NATURAL CALAMITY TO BANKING SECTOR

More than 10 Branches Premises and assets in Hills affected due to Natural Calamity.

1070186 Borrowers/ Units financed by Banks affected due to Calamity in Uttarakhand State in June-July 2013.

474279 Borrowing Units were eligible for Restructuring and extended Moratorium Period.

Out of the above 328339 Borrowing units were given extended Moratorium and 52949 Units (Amount Rs. 4179 Cr) Restructured by 30 Sept. 2013 by Ball Banks in Uttarakhand.

107211 fresh loans (Amount Rs. 285 Cr.) were issued to calamity affected people by Banks in Uttarakhand upto 30 Sept. 2013.

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INITIATIVES BY BANKING SECTOR

NON-INSTITUTIONAL EFFORTS Branches/ Staff of Bank extended immediate shelter to the

tourists/ homeless people with the help of local people. Free Call/ Telephone facility to the Tourists to contact their

relatives. Arranged Free fooding to the tourists after calamity with the help

of local people. Arranged Medicine Packets through the contributions of staff

and distributed to affected people/tourists. Staff of UGB in remote hills helped in locating the people from

far-off areas who were separated during that period. Helped in funerals of the dead people. Contributed 1 Day Salary by all staff in the Chief Minister Relief

Fund

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INITIATIVES BY BANKING SECTOR

INSTITUTIONAL EFFORTS Convened a Meeting of All Banking Heads in Uttarakhand State. Convened a meeting by RBI and NABARD to discuss the

measures to be initiated by Banks in Uttarakhand State. All Banks operating in Uttarakhand extended whole-hearted

support to the Natural Calamity affected people. Disbursed fresh Loans to the affected people generously. Immediately stopped the Recovery Proceedings in affected areas. Extended Restructuring facility to the affected customers. Extended Conversion facility to the borrowers. Liberal and hassle-free settlement of Claims in respect of man-

power or Assets financed by banks. UGB already had a “Free Accidental Insurance of Rs. 1 Lac” for

all Savings Bank A/C holders, including “Zero Balance A/Cs”.

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INITIATIVES BY BANKING SECTOR

EFFORTS BY UGB Instructed immediately after calamity to all Branch Managers/

Staff to extend all possible help to the affected people. Instructed all Branches to disburse fresh loans to the affected

people. Restructured /Rephased the Loans of affected people as a Special

Drive in all branches. Settled the Claims of Free Accidental Insurance with the support

from National Ins. Co. Ltd. UGB in collaboration with Uttarakhand Women and Child

Development Ministry launched Grameen Gas Connection Scheme in mostly affected areas.

Tie-up Arrangement with National Handicapped Finance & Development Corporation for extending loans to these people.

Fresh Home Loans to the affected people.

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INITIATIVES BY BANKING SECTOR

EFFORTS BY UGB-2 Arranged the meeting with affected borrowers and extended

them fresh Loans. Engaged NGOs for extending the help to Borrowers/ affected

people. Arranged Special Camps of Financial Literacy & Credit

Counseling Centres established by UGB in all 13 Districts. Enhanced Financing through Joint Liability Groups and Self

Help Groups. Published Advertisements in News papers advising Tourists to

visit Uttarakhand now, which is a safe place now to boost the Tourism activity in the State.

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Request from Govt. Agencies:

To Devise Subsidy Linked Loan Schemes for Natural Calamity Affected Areas.To extend Refinance facility from NABARD/NHB/Finance Corporations etc at concessional interest rates to the Banks operating in Uttarakhand State.

To ease the NPA Norms for the Loan Accounts in Uttarakhand state for 2- Years.The Govt. Deptts. (Central as well as State Govt.) and their agencies to extend support and full cooperation in the Endeavour of Banks in Rebuilding Uttarakhand.Opening New Skill Development and Training Institutes in Hills and Calamity affected areas. Infrastructure Development and alternate arrangements for transportation. Enhancing Communication Channels at remote locations.

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Request from Govt. Agencies-2:

To launch massive Publicity Campaign Nationwide and Worldwide to attract the Tourist in the State.To have a sense of belief in the mind of international community that Uttarakhand is safe now, to launch Electronic Media publicity campaign.Arranging Seminars/ inviting people from different walks of life in Uttarakhand to make them feel safe in Uttarakhand.Special Concessional Tour Packages for Tourists.Tax holiday for all types of Tourism related activities including the Taxi Cabs etc.

Setting up industrial estates in hills to generate the local employment.To provide alternate means of employment in hills establishing units in Public Private Partnership (PPP) Mode.

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Request from Govt. Agencies-3: To establish Eco-friendly units in Hills.Making wider use of Information Technology.To strengthen Weather Forecast System.Registrations of Tourists and keeping their record on-line, which can be used in future to re-attract them to explore the hidden paradise of Uttarakhand.Insurance Cover for the Tourists coming to Uttarakhand.Strengthening the Disaster Recovery Management in Uttarakhand.Allocating Agriculture Land to the farmers affected due to calamity.Strengthening Agriculture, Allied Agriculture/ Animal Husbandry/Poultry/Bee Keeping segment.Free Crop Insurance for Small and Marginal Farmers.Interest Subvention to be extended for Activities allied to Agriculture.

17Y.P.Arora,

Chairman, Uttarakhand Gramin Bank