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agricultural credit, special tabulations of data by the RBI based on statistics
obtained under
special agricultural credit plans
(SACP) have been studied
and analysed and the relevant results presented in Annexure S. As alluded
to earlier, SACPs are the only source for data on disbursements by scheduled
commercial banks. Such flow data are not available in RBI’s BSR. Hence,
special tabulations prepared for this study by RBI from their SACP series, have
become very useful to make an assessment of the performance of public sector
banks here.
The above data as summarised in Table 5.21 represent aggregate
lendings of public sector banks for agriculture and allied activities as direct
as well as indirect lendings. With a view to making a comparison of the PSB’s
shares with the regional shares of all institutions, comparable proportions are
presented alongside in the same table.
It is truly disquieting that the public sector banks (PSBs), with such
large resource and organisational clouts, have hardly made any difference
insofar as the shares of underdeveloped regions in total farm credit flows are
concerned. Eastern region had a share of 7.0% in PSB’s credit disbursements
in 2004-05, while the total credit including those of RRBs and cooperatives
had a share of 6.7% in the same year (Table 5.11 earlier). In the central region,
the relative share of PSBs is slightly better at 17.3% as against 15.9% for the
credit flow in the aggregate.
Table 5.21: Relative Regional Shares in Disbursements of Public Sector Bank
for Agriculture and Allied Activities
A: Regional Distribution in Percentages Year-wise for Public Sector Banks
Regions
Northern North
Eastern
Eastern Central
Western Southern All India
Total
Year
1999-00
22.5
0.4
5.8
13.7
14.1
43.5
100.0
2000-01
23.1
0.3
6.5
14.3
12.5
43.3
100.0
2001-02
23.7
0.3
6.8
15.8
12.9
40.6
100.0
2002-03
25.3
0.4
6.9
15.5
11.9
40.1
100.0
2003-04
26.7
0.6
6.7
15.8
11.3
38.9
100.0
2004-05
26.8
0.5
7.0
17.3
10.7
37.8
100.0
B: Shares of Public Sector Banks in the Aggregates of all Agency Disbursements
1999-00
47.8
77.0
62.0
54.6
45.0
66.1
55.8
2000-01
49.9
79.6
64.1
57.9
40.4
66.2
56.2
2001-02
51.9
91.2
66.9
60.5
43.2
66.8
57.9
2002-03
55.7
90.5
68.7
59.6
49.9
71.6
61.9
2003-04
59.8
95.3
65.2
61.8
54.8
72.9
64.5
2004-05
64.8
96.4
74.6
78.2
58.7
79.6
72.0
Source:
See Annexure S.
