REGIONAL OFFICE –I

PERFORMANCE REVIEW
November 2018
 TOP 5 BRANCHES : POSITIVE GROWTH

DEPOSIT Sr.No.
1
Branch Name
RAMGARH
Nov 2018
265.47
Dec 2018
269.73
PERIOD Rs. In lakh 2 DANGALPARA 233.52 207.20
March 2018 88054.19 3 GHORMARA 165.69 170.43
November 2018 90752.68 4 CHITRA 93.91 161.13
December 90948.51 5 MIHIJAM 96.64 154.90

Budget Rs. in lakh TOP 5 BRANCHES : NEGATIVE GROWTH

March 2019 101603.00 Sr.No. Branch Name Nov 2018 Dec 2018
Growth over March 2897.21 1 SATSANGNAGAR -65.82 -106.02
2018 2 KULDANGAL -86.49 -84.61
Budget 21.37 % 3 GERIA -56.79 -60.97
Achievement
4 JAMA -62.28 -58.42
5 BAGDAHA -45.25 -41.27
NEW BUSINESS (DEPOSIT)
Type of Accounts During the month Upto the month
New Saving Bank Accounts opened 837 12121
New Current Accounts opened 23 153
Out of which SHG/JLG Accounts - 677
Out of which Govt. Accounts - -

NEW MARKETING EFFORTS / STRATEGY

• New Accounts are being opened under Gram Vikash Samiti at branches
 TOP 5 BRANCHES : POSITIVE GROWTH

ADVANCES Sr.No.
1
Branch Name
DAKHINBAHAL
Nov 2018
105.34
Dec 2018
109.67
PERIOD Rs. In lakh 2 CHITRA 28.42 109.13
March 2018 46420.53 3 MADHUPUR 81.64 83.95
November 2018 46652.92 4 MARGOMUNDA 69.06 73.95
December 2018 46776.86 5 DANGALPARA 61.89 66.61

BUDGET Rs. In lakh TOP 5 BRANCHES : NEGATIVE GROWTH

March 2019 55678.00 Sr.No. Branch Name Nov 2018 Dec 2018
Growth over 1 DUMKA -418.11 -335.53
March 2018 356.33 2 MAHARO -206.90 -209.92
Budget 2.91 % 3 SATSANGNAGAR -84.56 -113.10
Achievement
4 DEOGHAR -68.07 -94.91
5 JAMTARA -48.71 -70.58
NEW BUSINESS (ADVANCES)
Segment During the month Upto the month
No. amount No. amount
AGRI SEGMENT 1427 582.44 27190 8099.85
SME SEGMENT 26 25 410 3801.07
Out of which Govt. Spon. Accounts
Out of which SHG Linkages - - 137 104.15
PER SEGMENT 21 238.71 774 1865.28
Out of which Housing Loan 10 154.15 30 401.15

NEW MARKETING EFFORTS / STRATEGY

• CC PROPOSAL OF 22 LAC
• HBTL OF 50 LAC
ASSET MANAGEMENT HUB (AMH) –
AHM Status Name of Staff No. of Amount
No. of AMH implemented Deoghar- Inaugurated AMH Deployed proposals (in lakhs)
Jamtara and Dumka- In processed
process during
current FY
Status of Migration of -
existing accounts Deoghar 2 (Officer) 33 297.11

Proposed centres for new Dumka/Jamtara Deoghar 1(Office - -

AMH Assistant)

Timelines for opening of Dumka By the end of - - - -

AMH January 2019
 TOP 5 BRANCHES : INCREASE IN NPA (Amount in lakh)
Sr.No. Branch Name Nov 2018 Dec 2018
NPA 1 JHOUSAGADI 45.40 342.67
2 PABIA 116.85 114.06
3 MAHARO 94.60 102.24
PERIOD Amount (%)
4 MOHANABANK 57.52 68.77
March 2018 Rs. 7053.64 Lakh (15.17 %)
5 VIDYASAGAR 43.90 67.20
November 2018 Rs. 8228.37 Lakh ( 17.64 % )
December 2018 Rs. 8213.81 Lakh (17.56 % )
TOP 5 BRANCHES : DECREASE IN NPA (Amount in lakh)
SEGMENT Amount (%) Sr.No. Branch Name Nov 2018 Dec 2018
AGRI Rs. 2940.77 Lakh (35.80%) 1 MARGOMUNDA -47.01 -54.70
Out of which Rs. 1286.83 Lakh (15.67%) 2 MADHUPUR -13.18 -23.48
KCC 3 DHAMNI (M) -5.91 -19.06
SME Rs. 2958.58 Lakh (36.02%) 4 SARWAN -7.97 -18.56
PER Rs2257.58 Lakh (27.49%) 5 SATSANGNAGAR -13.56 -18.05
 TOP NEW 5 NPAs DURING CURRENT FIN YEAR
Name of Borrower Branch Amount
NPA MONITORING HOTEL MAHAMAYA PALACE JHOUSAGADI 285.08
MR. GANESHANAND JHA JHOUSAGADI 34.49
TOP 10 NPA BRANCHES MS LAKSHMI HARI
ENTERPRISES,B BASUKINATH 31.70
Name of Branch Amount(Lac) % MRS. DURGA INDUSTRIES
PROP RU DUMKA 22.95
JHOUSAGADI 426.04 36.47
MR. CHHOTU KUMAR
DEOGHAR 338.15 37.55 VARNAWAL MAHARO 18.04
SARWAN 312.06 38.51 TOP 5 NPAs OF REGION AS ON DATE
GANGAPUR 265.34 30.35 Name of Borrower Branch Amount
GOPIBANDH 247.18 23.39 HOTEL MAHAMAYA
PALACE JHOUSAGADI 285.08
PABIA 246.09 23.40
MR. GANESHANAND JHA JHOUSAGADI 34.49
TALJHARI 220.09 22.46 MS LAKSHMI HARI
SATSANGNAGAR 212.56 15.35 ENTERPRISES,B BASUKINATH 31.70
MRS. DURGA INDUSTRIES
MADHUPUR 212.19 13.05
PROP RU DUMKA 22.95
SONRAITHARI 211.61 22.41 MR. CHHOTU KUMAR
VARNAWAL MAHARO 18.04
KISAN CREDIT CARD
KCCs No. and Amount KCC RENEWAL PENDING – TOP 10 BRANCHES
Total KCCs accounts 81512 Br. Name No. of KCCs pending
(24927.07 Lac) HARIPUR 610
Due for renewal during 18571 AMBA 462
current FY (3420.12 Lac)
GANGAPUR 442
Already Renewed during 10081
current FY KULDANGAL 439
Pending Renewal during 8158 BENAGARIA 392
current FY DHAMNI (M) 343
New KCCs financed 2208 SONARAITHARI 338
during current FY
DAKHINBAHAL 321
KCCs covered under 16916
PATHROL 292
PMFBY (167.98 LAC)
PABIA 279
ACCOUNT MAINTENANCE
CASH CREDIT ACCOUNTS COMPROMISE PROPOSAL / WO RECOVERY
No. Amount No. Amount
Total CC A/cs 3731 4287.31 Compromise 155 Prin.- 6.94 Lac
Due for Renewal till proposals approved Intt.- 40.89 Lac
previous month during current FY

Renewed till date 43 704 No. of accounts 107.69 Lac

recommended for 404
written off
TERM LOANS
Written off recovery - 29.85
No. Amount
during current FY
Total Term Loan 3898 9774.78
accounts
No. of A/cs Reviewed
during current year
DATA PURIFICATION
Current Status
Status of IRAC upgradation in 26 Branches
CBS, wherever required 217 Accounts
Position of correct IRAC
classification in CBS
(SS,D1,D2,D3,Loss etc)
Status of Primary / Collateral
security in CBS
Status of Deduplication of CIFs
CROSS SELLING
SBI LIFE SBI GENERAL
No. of CIFs 28 No. of SPs 1
No. of new Policies generated 202 No. of new policies generated 641
Premium collected 71.20Lac Premium collected 17.64 Lac

SBI MUTUAL FUND PERSONAL ACCIDENT INSURANCE (PAI)

No. of ACEs NA No. of Policies during current FY 641

POS
No. of POS Terminals -
FINANCIAL INCLUSION
CSP
No. of operating CSPs as 91 No. of PMJDY Accounts 7931
on date opened during current FY
Proposed new CSPs in every villages of SSA of No. of PMSBY 24911
during current FY (No. of branches No. of PMJJBY 4429
villages)
No. of APY 757
Adhar Enrolment Centres (AEC) No. of Financial Literacy NIL
Centres opened during FY
No. of operating AEC as 8
on date No. of Bank Sakhi 28
enrolled during FY
Proposed new AECs -
during current FY
IT INITIATIVES
IT INITIATIVES During Total (till date) No.
the Undelivered ATM cards
month pending with branches
No. of eKYC Compliant 61 477 No. of branches not NA
accounts submitting CTR/STR/NTR
No. of INB customers - - through AML portal on
No. of Mobile Banking 84 742 monthly basis

No. of ATM Installed - 2 Signature scanning Signature scanning at

pending branches some branches are
No. of Locker Module - 240 pending relating to pre-
operationalized migration accounts
AUDIT / VIGILANCE
AUDIT VIGILANCE / COMPLIANTS
No. of branches overdue NIL No of Vigilance cases NIL
for RFIA pending
No. of RFIA report NIL No. of Complaints 8
pending for compliances received during FY
RFIA Audit conducted 37 No. of pending NIL
during current FY Complaints
No. of branches 34 No. of frauds detected NIL
maintained during current FY
No. of branches NIL No. of fraud cases NIL
upgraded pending as on date
No. of branches Maharo , Ranibahal and
downgraded Jhaunsagarhi Current F/Y
 BRANCH MONITORING
Name of Branches
Name of branches visited by RM during last month Nala,Fatehpur,Chitra,Ramgarh,Mahubana,Madhupur

Lease Deed pending branches
Name of branches in default in submission of Control Returns
(Advances)
Name of branches in default in submission of Irregularity Reports
Ghormara, Bhojpur, Burhai,Sonaraithari , Sarwan, Gopibandh, Jasidih,
Palajori, Mejia, Shikaripara, Haripur, Taljhari,
Dumka Dist.- Dhamni, Gangapur
Jamtara Dist.- Amba
Deoghar Dist.- Raneshwar, Shikaripara

Name of branches default in submission of control function statement Dumka Dist:- Raneshwar, Shikaripara
(BMMC, Charges & Est Returns or any other returns)- upto Oct’18 Jamtara Dist:- Amba, Nala & Khajuri
Deoghar Dist:- Burhai & Gangapur
Name of Branches default in checking of VVRs on daily basis Haripur, Hansdiha, Pathrol, Fatehpur, Jagdishpur, Gangapur, Geria,
Ranibahal, Dighi,, Banskuli, Margomunda, Tharihat, Dhamni, Mejia,
Nawadih, Sahara,Guhiajori,Gopibandh, karudih,, Raneshwar ,
Satsangnagar
Loss Making Branches Masalia and Deoghar
BALANCING / RECONCILIATION
Status of long outstanding entries in Suspense /
Sundry / IBIT account (O/s >10000 Rs. and more than
one month old entries)
Long outstanding System Suspense entries
GLIFF / GLCOMP entries
Irregular Staff Accounts
Overdraft in Deposit accounts
Name of Branches and timeline for reconciliation
Maharo- 1015830/- (Advance to meet the amount of
dacoity Case)
Margomunda – 81000/- (Advance for Counter Cabin)
Adjusted
Continuously monitoring for rectification
-
-
ANY OTHER ISSUES