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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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3

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

4

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,[email protected]/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: [email protected]

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THANKYOU

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