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PNBs VISIONFORPROMOTINGFOOD&
AGROPROCESSINGSECTOR
AgriBusinessCell
PrioritySector&LeadBankDivision
HeadOffice:NewDelhi
1213.11.20101
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IndianAgricultureataglanceIndian Agriculture has made rapid strides
since independence
From food shortages and import
to self-sufficiency and exports.
From subsistence farmingto intensive and technology led cultivation.
Today , India is the front ranking
producer of many crops in the world. Ushered in through the
green, white, blue and yellow revolutions
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Indian Agriculture Scenario
STRENGTHS
Rich Bio-diversity Arable land Climate Strong and well dispersed
research and extension system
Skilled LabourOPPORTUNITIES
Bridgeable gaps in crop yields Exports
Agro-based Industry Horticulture Untapped potential in many
pockets across the nation..
WEAKNESSES
Fragmentation of land Low Technology Inputs Uneven Distribution of Inputs Unsustainable Water Management Wastage due to Lack of
infrastructure. Expose to Climatic Vagaries Low value addition
THREATS
Indiscriminate Resource Use Unintegrated Regional
Development
Imports
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ProductionandPostHarvest LossesinAgriculture
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S.No. Type of foodCommodity Presentlevel ofproduction
Post-harvest losses*
QuantityMillion Tons
% Quantity(Mt)
Monetaryvalue
(`.in Crore)
1 Durables (cereals pules,oilseeds, etc.)
230 10 23.0 23,000
2 Semi-perishables(Potato, tapioca etc)
40 15 6.0 1,800
3 Perishables(fruits, vetetables. Milk,
meat, fish,eggs etc.)
210 20 42.0 63,000
Total/ Average 480 14.8 71.0 87,800
* As per MoFPI , GOI
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Scope
PlaninvestmentofRs.62000crore during 11th FiveYearPlan.
ThrustonincreasingthepercentageofprocessedFood&
vegetableswithprojected10%growthinconsumptionof
processedfoods.
PNBhastotalexposureofRs.2697crores in covering2700units
in
Food
&
Agro
processing
with
major
exposure
in
Haryana,
Punjab,UP,Maharashtra,Chd,TN,Raj,Uttarakhand,&Delhi
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PNB Aproudpast,presentandbrightfuture
Establishedin1895 115yearsofexperienceinbanking
GlobalPresenceRanked250thamongGlobalBanks(Source:BankofLondon) Over60Millionsatisfiedcustomers Bankhascontinuedtoretainitsleadershipposition
amongnationalizedbanks.
100%CBSconnectivityinmorethan5000branchesincludingextensioncountersspreadover2557
centers. Morethan4000ATMs,1lac touchpointsby2013,117lac Debit/ATMcardholders
Morethan11lakh Internet Bankingusers
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KeyFiguresAson30.09.2010
TotalBusiness :` 4.80LacCrore Deposits :` 2.73LacCrore Advances :` 2.09LacCrore CDRatio :76.36%
ProvisionCoverageRatio :77.13%
Earningpershare(`) :135.92 Returnonequity(%) :23.34
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InternationalForays
Bankhasestablishedoverseasfootprintsvia4overseas
branches, 2 subsidiaries, 1 joint venture and 4 Rep
offices.
Future overseas forays include a wholly ownedsubsidiary in Canada, up gradation of repoffice at
Norwayintoabranch,openingRepofficeinSydneyand
acquiringmajoritystakeinaKazakBank. Bank has 165 branches with SWIFT connectivity for
handlingforeignexchangebusiness
Bank has set up 11 specialised International BankingBranchesatimportantcentres fordedicatedservicesto
oue exporter/importerclients
TwoForeignExchangeOfficesatDelhiandMumbai 8
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RECENTAWARDSANDACCOLADES
PNBRanks24th inET500Listof2010.
Skoch Award2010forcomputerisation ofRRBs
Business Today ranked PNB as 14th most valuablepublicsectorcompanyfor2010
CSRExcellenceAward2010byASSOCHAM
National Award for Excellent performance in lendingunder Prime Ministers Employment Generation
Programme scheme in North Zone for 200910 by
Khadi & Village Industry Commission, Ministry of
MSME,GOI.
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FOOD PROCESSING
Scope : The planned
investment of Rs.62000 crore in
food processing during 11th
plan.Thrust on increasing the %age
of processing in foods and
vegetables and projected
growth of 10% in consumptionof processed foods.
Action Plan
to increase the share of food
and agro processing in
agriculture from 11% to 20% of
total agri advances by 2013.Special treatment will be given
to food processing by
individuals in rural areas.
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PNBs VISION 2013
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PERFORMANCEOFPUNJABNATIONALBANK
(Lastfiveyears)
11
`.
in
crore)
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Mar.06 Mar.07 Mar.08 Mar.09 Mar.10
TotalPrioritySector(40%) 44.22 41.89 44.11 41.53 40.55
Agriculture(18%) 19.09 18.91 18.94 19.72 19.53
DirectAgriculture(13.5%) 14.59 14.41 14.44 15.35 15.18
AchievementofNationalGoals
PNBs Achievements
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PromotingFoodandAgroProcessingSector
includingColdStorages GeneralConcessional rateofinteresttoagroprocessing
sectorandColdStorages
Specialconcessional rateofinterestandotherfeestoAgroprocessingandFoodProcessingSectorsincludingcold
storagesinselectlocations.
Centralised CreditProcessingCentres &HubsandRehabilitationCumCareCentersinallCircles.
PNBSMESahayog Schemetoextend adhoc creditupto
20%ofaggregateWCLimitsor`25lacs,whicheverisless
withoutlinkingtoregularcreditlimitstomeetthe
contingencies.
SpecializedSMEBranches:510
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CentersapprovedforSpecialPackageofROIandothercharges
forfinancingtofood&agroprocessingunitsandcoldstorage
units
AndhraPradesh
Chandigarh
Haryana:Karnal &Kurukshetra
Maharashtra :Nagpur
Odisha
Punjab
Rajasthan:Sriganganagar
UP:Agra,Bareilly,Meerut,Kanpur,Moradabad
Uttarakhand:Kashipur
WestBengal:Burdwan
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SchemesforpromotingColdStorageSector
Capital investment subsidy for
construction/expansion/modernization of cold storage for
horticultureproduce.
Eligible entities: Cooperatives, Companies, Partnership andProprietary farms, Agricultural produce marketing
committees/boards, Agroindustries Corporations and Growers
associations.
Borrowerscontribution: 2025%
QuantumofSubsidy:25%backendedcapitalinvestmentsubsidybyNHBnotexceedingRs 50.00lakh perproject.InNorthEastern
States,maximumsubsidyadmissiblewouldbe@33.1/3/%uptoRs.60.00lakh.
Capacity: Projects up to a capacity of 5000 tonnes would bepromotedforwiderdispersal
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Cont
RateofInterest:Asperriskrating
Repaymentperiod:9yearsincludinggraceperiodof2years NABARDwillreleasethesubsidy
Implementingagency:NationalHorticultureBoard
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CentralSectorSchemeforstrengtheningofAgriculturalMarketing
Infrastructure,GradingandStandardizationsincludingColdsupply
chains
Eligible entities: Individuals/Group of
farmers/growers/Partnership/NGOs/SHGs/Proprietary
firms/Companies/Corporations.
Ownerscontribution:2025%
Subsidy: 25% of the project cost (Max. Rs50lakh/project )33.3% for NE States/States of UK, HP
andJ&K/hillyareas/SC/STandtheircooperatives(Max.
Rs60lakh/project)
TheSchemeisreformlinkedandwillbeimplementedinthose States/Union Territories which amend the
AgricultureProduceMarketingCommittee(APMC) Act.17
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Cont
Implementingperiod: UptoMarch,2012
RateofInterest:Aspercreditriskratingranging Repayment: 9years
NABARDwillreleasethesubsidy.
Implementing
agency:
Directorate
of
Marketing
&
Inspection,GOI
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PNBs FOCUS
OurbankwouldliketopromoteColdStoragesectorforpreservationofagriculturalproduceandagro
processed
foods
for
preventing
wastage.
Thiswillfacilitatevalueadditionandwillgive
remunerativepricetotheproducersandprocessors.
PunjabNationalBankwillbepleasedtoconsideranyviableproposalstoextendneedbasecreditfacilities
throughthelargenetworkofthebranchesbackedby
65
Circle
offices.
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FORFURTHERDETAILS,PLEASECONTACTPunjab National Bank,Priority Sector and Lead Bank Division, HO
Agri-Business CellAtma Ram House1, Tolstoy MargNew Delhi 110 001Phone No: 011 23311998, 23314402,
23350437Fax: 011- 23311998, 23310313Email Id: pnbagribiz@pnb.co.in
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THANKYOU
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