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PRESENTATION

ONROLE OF LEAD BANK IN BHOPAL

DISTRICTS DEVELOPMENT

PRESENTED TO: PRESENTED BY:

Dr. D.K.Chellani Varsha Nair

Kamal Sewani

Amit Maithil

Nitin Mehar

Chandraprakash Moolchandani

Deepak Upadhyay



CONTENT

� INTRODUCTION� Madhya Pradesh

� Bhopal District

� Lead Bank (Bank of India)

� RESEARCH METHODOLOGY� Sample and Size

� DATA ANALYSIS� FINDINGS



INTRODUCTION

� India is rated as one of the top economies in the worldin terms of purchasing power parity (PPP) of thegross domestic product (GDP) by leading financial

entities of the world, such as the InternationalMonetary Fund, the World Bank, and the CIA

� These developments are contributed by different statesand Union Territories. India consists of 28 states andseven Union Territories. Each state or union territory is

further divided into administrative districts.� The districts in turn are further divided into tehsils and

eventually into villages.



MADHYA PRADESH

� Heart of India, is state in central India

� capital is Bhopal

� largest city is Jabalpur

� Population 69,385,118 (sensex 2001)� Districts 51

� Governor Rameshwar Thakur

� Chief Minister Shivraj Singh Chouhan

� Chief Secretary Shri Avani Vaishya

� State Domestic Product -$35.6 bn (as of 2007-08)



BHOPAL DISTRICT

� Bhopal is the second largest city in the State

� City of Lakes

� Population 14, 33,875 (as of 2001)� Bhopal planning area is estimated to have

16.76 lakhs population and will be 21.21 lakhs

in 2011 and 25.54 in 2021



� Occupational Pattern

±An administrative city with large number of population is engaged in various state and central

government organizations.

± Work Participation Rate (%)

Persons Males Females

29.6 46.9 10.3

� Economic base of Bhopal City mainly depends on

Industrial Sector� Sectors that reported to be growing fast in Bhopal

are housing, banking &insurance and education.



LEAD BANK SCHEME�

NCC set up in Dec. 196

7 to determine the priorities of bank creditamong various sectors of the economy

� NCC appointed a study group on the organizational framework forthe implementation of social objectives in Oct.68 under theChairmanship of Prof. D R Gadgil.

� The study group found that the Commercial Banks had penetrated

only 5000 villages as of June67 and out of the institutional credit toagriculture, at 39%, the share was negligible at 1%, the balancebeing met by the co-operatives. \

� The Banking needs of the rural areas in general and backward inparticular were not taken care of by the Commercial Banks.

� Besides, the credit needs of Agriculture, SSI and allied activities

remained neglected.� Therefore, the group recommended the adoption of an area

approach for bridging the spatial and structural credit gaps.

� Later, All India Rural Credit Review Committee 1969 endorsed theview that CBs should increasingly come forward to finance activitiesin rural areas.



FUNCTIONS OF LEAD BANK

� Survey the potential areas for development of banking in the district.

� Identifying the business establishments and financing them so as toenable them to raise their resources.

� Examining the marketing facilities available for the disposal of agricultureand industrial commodities and linking credit with marketing.

� Assisting other lending agencies working in the district.� Developing contracts and maintain liaison with the government and other

services.

� Preparing District Credit Plans well ahead of the crop season with the helpof Technical Committee.

� The Lead Bank is expected to take the lead rile in identifying the potential

areas for banking and banking development and expanding credit facilitiesin the district.

� Under the scheme in each district one of the commercial bank functionsas a lead bank for providing branch network and credit under differentareas of priority sector.



RESEARCH METHODOLOGY

� OBJECTIVES:� To understand Bank of India`s role as a Lead Bank of Bhopal district

� To know how Bank of India is contributing to the development of Bhopal district as a Lead Bank.

�

Research Problem:� To know how Bank of India`s acting as a Lead Bank of Bhopal district.

Sample:

Data has been collected for last three financial years i.e. 2007-08, 2008-09 and 2009-10

� Secondary Data Collection:� Booklet of Annual Credit Plan of Bank of India, Internet.

� LIMITATIONS ± Data Collection: As data has been collected through secondary sources

such as internet, journals, magazines and books so data authenticity is aproblem.

± Time Constraint: The study is limited for a period of 18 days.



LIST OF THE SELECTED BANKSSr.No: Name of bank Branches

1 Allahabad Bank 23

2 Bank of India 15

3 Canara Bank 10

4 Central Bank of India 15

5 Punjab National Bank 12

6 Union Bank of India 13

7 State Bank of India 54

8 State Bank of Indore 20

9 HDFC Bank 4

10 ICICI Bank 4

11 Bhopal DCCB 24



INTRODUCTION TO BANK OF INDIA AS

LEAD BANK� Bank of India was founded on 7th September, 1906 by a group of

eminent businessmen from Mumbai. The Bank was under privateownership and control till July 1969 when it was nationalized alongwith 13 other banks.

� Bhopal district the lead bank is BANK OF INDIA

� Strategy for the development of Bhopal district:� Poverty Alleviation

� Agriculture:

� Forestry:

� Irrigation:

� Main objectives of Bank of India as a Lead Bank: ± Eradication of unemployment and under employment

± Appreciable rise in the standard of living for the poorest of the poor

± Provision of some of the basic needs of the people who belong to poorsections of the society



DATA ANALYSIS

� There were 4 tables given in the booklet of Bank of India in the year2009-10 and 2008-09. They are:

� Bank Wise Distribution Under Annual Credit Plan

� Bank wise position of deposits, advances & cd ratio

� Bank wise position of priority sector advances &percentage to total advances

� Bank wise position of woman/minority/weaker section& sc/st advances to total advances outstanding

�

There was not given below 2 tables in the year 2007-08because bank of India decided to advance these two lendingbecause they feel that these are also important matter of concern



YEAR 2009-10

0 100000 200000 300000 400000 500000 600000 700000 800000

Allahabad Bank

Bank of india

Canara Bank

Central Bank of India

Punjab National Bank

Union Bank of India

State Bank of India

State Bank of Indore

HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

On Agriculture

Performed

Plan



0 100000 200000 300000 400000 500000 600000 700000 800000 900000 1000000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

SMES

Performed

Plan



0 200000 400000 600000 800000 1000000 1200000 1400000 1600000 1800000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

OPS

Performed

Plan



0 500000 1000000 1500000 2000000 2500000 3000000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

TPS

Performed

Plan



0 200000 400000 600000 800000 1000000 1200000 1400000 1600000 1800000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

Banks Focus During Planning

OPS

SMES

Agri



0 200000 400000 600000 800000 1000000 1200000 1400000 1600000 1800000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

During Implementation

OPS

SMES

AGRI



0 10000000 20000000 30000000 40000000 50000000 60000000 70000000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

DEPOSIT AND ADVANCES

Advances

Deposits



0 20 40 60 80 100 120

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

Out of total advances how much from where in %

OTHER

OPS %

SMES %

AGRI %

TOTAL %



0 20 40 60 80 100 120

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

Out of total advances, alloted to women

minority, weaker, SC/ST,other

OTHER %

SC/ST %

WEAKER %

MINORITY %

WOMEN %



YEAR 2008-09

0 100000 200000 300000 400000 500000 600000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

AGRICULTURE

Perfromed

Planned



0 100000 200000 300000 400000 500000 600000 700000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

SMES

Perfromed

Planned



0 200000 400000 600000 800000 1000000 1200000 1400000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

OPS

Perfromed

Planned



0 500000 1000000 1500000 2000000 2500000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

TPS

Perfromed

Planned



0 200000 400000 600000 800000 1000000 1200000 1400000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

FOCUS OF BANKS DURING PLANNING

OPS

SMES

AGRI



0 100000 200000 300000 400000 500000 600000 700000 800000 900000 1000000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

FOCUS DURING IMPLEMENTATION

OPS

SMES

AGRI



0 5000000 10000000 15000000 20000000 25000000 30000000 35000000 40000000 45000000

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

BANKWISE DEPOSITS AND ADVANCES

ADVANCES

DEPOSITS



0

10

20

30

40

50

60

70

80

90

100

CREDIT TO DEPOSIT RATIO

CREDIT TO DEPOSIT RATIO



0 20 40 60 80 100 120

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

OUT OF TOTAL ADVANCES HOW MUCH FROM WHERE

OTHER

OPS %

SMES %

AGRI %

TOTAL

%



0 20 40 60 80 100 120

Allahabad Bank

Bank of india

Canara Bank



Union Bank of India

State Bank of India


HDFC Bank

ICICI Bank

Bhopal DCCB

Vidisha Bhopal RRB

OUT OF TOTAL ADVANCES, ALLOTED TO WOMEN

MINORITY, WEAKER, SC/ST OTHER

OTHER %

SC/ST %

WEAKER %

MINORITY %

WOMEN %



YEAR 2007-08

0

50000

100000

150000

200000

250000

300000

350000

400000

450000

Allahabad

Bank

Bank of

india

Canara

Bank

Central

Bank of

India

Punjab

National

Bank

Union

Bank of

India

State

Bank of

India

State

Bank of

Indore

HDFC

Bank

ICICI Bank Bhopal

DCCB

Vidisha

Bhopal

RRB

Agriculture

Planned

Performed



0

50000

100000

150000

200000

250000

Allahabad

Bank

Bank of

india

Canara

Bank

Central

Bank of

India

Punjab

National

Bank

Union

Bank of

India

State

Bank of

India

State

Bank of

Indore

HDFC

Bank

ICICI Bank Bhopal

DCCB

Vidisha

Bhopal

RRB

SMES

Planned

Performed



0

200000

400000

600000

800000

1000000

1200000

1400000

1600000

1800000

Allahabad

Bank

Bank of

india

Canara

Bank

Central

Bank of

India

Punjab

National

Bank

Union

Bank of

India

State

Bank of

India

State

Bank of

Indore

HDFC

Bank

ICICI Bank Bhopal

DCCB

Vidisha

Bhopal

RRB

OPS

Planned

Performed



0

500000

1000000

1500000

2000000

2500000

Allahabad

Bank

Bank of

india

Canara

Bank

Central

Bank of

India

Punjab

National

Bank

Union

Bank of

India

State

Bank of

India

State

Bank of

Indore

HDFC

Bank

ICICI Bank Bhopal

DCCB

Vidisha

Bhopal

RRB

TPS

Planned

Performed



0

5000000

10000000

15000000

20000000

25000000

30000000

35000000

Allahabad

Bank

Bank of

india

Canara

Bank

Central

Bank of

India

Punjab

National

Bank

Union

Bank of

India

State

Bank of

India

State

Bank of

Indore

HDFC

Bank

ICICI Bank Bhopal

DCCB

Vidisha

Bhopal

RRB

Bankwise Position of Deposits, Advances & CD Ratio as on

31.Mar.2008

Depositors

Advances

CD Ratio



0

5000000

10000000

15000000

20000000

25000000

30000000

35000000

Allahabad

Bank

Bank of

india

Canara

Bank

Central

Bank of

India

Punjab

National

Bank

Union

Bank of

India

State

Bank of

India

State

Bank of

Indore

HDFC

Bank

ICICI Bank Bhopal

DCCB

Vidisha

Bhopal

RRB

Depositors

Depositors



0

2000000

4000000

6000000

8000000

10000000

12000000

14000000

16000000

18000000

20000000

Allahabad

Bank

Bank of

india

Canara

Bank

Central

Bank of

India

Punjab

National

Bank

Union

Bank of

India

State

Bank of

India

State

Bank of

Indore

HDFC

Bank

ICICI Bank Bhopal

DCCB

Vidisha

Bhopal

RRB

Advances

Advances



0

20

40

60

80

100

120

Allahabad

Bank

Bank of

india

Canara

Bank

Central

Bank of

India

Punjab

National

Bank

Union

Bank of

India

State Bank

of India

State Bank

of Indore

HDFC Bank ICICI Bank Bhopal

DCCB

Vidisha

Bhopal

RRB

CD Ratio

CD Ratio



FINDINGS

� While looking at agricultural sector the planed and actual contribution made bythe different bank under the lead bank scheme from 2007 to 2010 is representthat during the 2007-2008.

� Bhopal DCCB has the highest contribution I.e. around 270000 in respect to otherbank and union bank is not contributing during the period.

� In the year 2008-2009 Bhopal DCCB again took the lead in contributing in to this

sector.� In this year 208-09the contribution of other banks was also rises from the previous

year.

� In the year 2009 -2010 Punjab national bank although the planed contribution of the bank is higher from the other bank.

� But the actual contribution of PNB is not up to the expectation it just the 10% of planed and their has been increase in the contribution of the other bank from the

previous year.� During the period 2007-2008 the state bank of India in this sector has the highest

contribution I.e.230000 in comparison to other bank and in this sector also theunion bank is not contributing any thing.



� During the year 2008-2009 state bank again took the initiation and becomes themajor contributor to this sector.

� Punjab bank has the highest planed contribution but it actual contribution is only7% and more or less the over all contribution during the period is highproportionally from the previous year.

� In the year 2009-2010 the contribution of banks is higher than the previous year.

� The contribution of Punjab national bank is also rises from the previous year. Andmore contribution is done in SME in respect to Agriculture by the lead bankumbrella.

� The SBI has increased its performance from 2008.

� HDFC has reduced planned expenditure from last year and also performed badlyas against planned

� UBI was nowhere in 2008 but has significant contribution in 2009

� The point of contention is in private players not taking much of burden

� Since other players good at servicing others BOI has balanced its portfolio

� The weaker section and women have almost similar weight age in all banks



THANKZZZ

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