Presentation made at 3rd Northeast Connectivity Summit,2016 during the inaugural session by Mr.Rajnish kumar,Managing Director, State Bank of India

1. Connecting North East
Connecting North East

2. STATE BANK OF INDIA IN NORTH EAST
Name of
the State
No of
Branches
SBI Branch No of
ATMs
SBI ATM No of
CSPs
No of SBI
CSPs
Assam 2265 363 3497 1970 4942 2629
Arunachal
Pradesh
179 57 181 181 151 140
Manipur 178 40 293 200 364 112
Meghalaya 382 102 317 244 201 186
Mizoram 185 43 127 90 68 49
Nagaland 171 65 272 215 152 124
Tripura 496 63 428 208 251 207
Total 3856 733 5115 3090 6129 3447

3. STATE BANK OF INDIA IN NORTH EAST
Deposit Rs. 71,272 Cr.
Advances Rs. 25,633 Cr.
Market Share Dep : 42%
Adv.: 54%
CD Ratio 35.96%
CASA 58.27%
GRR 2.12%
Transaction Cost 1.45%
Av. Business per employee Rs. 1024.03 Lakh
Net Profit per Employee Rs. 21.75 Lakh

4. MAJOR ACTIVITIES OF SBI
 SBI is the Lead Bank in all the North Eastern States except Tripura where UBI is
the Lead Bank.
 SBI has so far taken exposure in diversified sectors in all viable and bankable
projects. Some of the sectors where the Bank has major exposures in the North East
are
Cement Rs. 531 Cr.
Iron & Steel Rs. 511 Cr.
Power Generation Rs. 150 Cr.
Tea Rs. 111 Cr.
Apart from the above, the Bank has also taken exposure in Food Processing, cane,
bamboo and wood based industries, plastic & plastic based products, rubber,
handloom and handicraft products etc.

5.  The facility of banking is extended to cover all the unbanked
areas through ultra small branches, customer service points
and business correspondents and business facilitators.
 Bank is extending credit facilities on easy terms to the rural
farmers and young entrepreneurs under the schemes Kisan
Credit Card, Pradhan Mantri Mudra Yojana and Stand Up
India.
 State Bank is the only financial institution to serve the
banking needs of the army bases and its personnel in almost
all the difficult areas of the Region.

6.  With the commissioning of Palatana Power Project of 726
MW capacity, Tripura has become a power surplus state.
State Bank is a partner in this success story along with the
key players like NEEPCO, OTPC Palatana, TNGCL etc.
 State Bank of India has signed an MOU with Amalgamated
Plantation Pvt. Ltd., a sister concern of Tata Consultancy
Services, for taking an exposure of Rs.100 Cr. for financing
tea processing factories.
 State Bank has entered into e-DFS tie-up with 285 industry
majors across the Region and presently has an exposure of
Rs. 473 Cr. under this facility.

7.  Bank is extending credit facilities on easy terms to the rural
farmers and young entrepreneurs under the schemes Kisan
Credit Card, Pradhan Mantri Mudra Yojana and Start Up
India.
 Under Prime Minister Mudra Yojana, SBI in this region is
Pan-India No. 1, by disbursing Rs. 82.60 Cr. in 4932
accounts. Under Start Up India Scheme also, SBI has
sanctioned 132 nos of accounts in the region with an
outstanding of Rs. 29 Cr.

8. FINANCIAL INCLUSION IN NORTH EAST
Coverage of Unbanked Villages Through branches : 262
Through BC channel : 12,290
Total : 12,552
Small Accounts No : 49,26,702
Amount : Rs. 48,727.50 Lakh
SBOD MUDRA Loan No. : 1,610
Amount : Rs. 6.51 Lakh
Transactions under BC Channel No. : 31,10,372
Amount : Rs. 1,16,515 Lakh
Total PMJDY accounts 33,75,486 Nos.
Enrolment in PMJJBY 3.74 Lakh
Enrolment in PMSBY 8.28 Lakh
Enrolment in APY 17,844
Micro ATMs Received: 1259
Delivered to BC: 862
Installed so far: 499

9. CONNECTIVITY ISSUES IN THE NORTH EAST
Connectivity in North East is a major issue of concern due to its
difficult terrain and inclement weather conditions.
Despite all the constraints, upgradation of branches to 2 MBPS
Primary Connectivity has been done in 472 Branches/ Offices so far
with the help of service providers, viz. BSNL, Airtel, Vodafone and Tat
Caommunications Ltd.
We have also upgraded 71 VSAT Branches so far to 2 MBPS Leased
Line/ ASP Links. BSNL, the primary provider has expressed its inability
to provide 2 MBPS conncetivity to some areas, particularly in Arunachal
Pradesh, Tura in Meghalaya, Mokokchung in Nagaland & Aizawl in
Mizoram. We have taken up with Airtel for upgradation of these 231
branches to 2 MBPS primary connectivity.

10. DIGITAL BANKING
Due to its difficult terrain and inclement weather conditions,
connectivity is a major drawback in this part of the country.
Nevertheless, State Bank has handled it quite efficiently and has
implemented all its digital initiatives in the region along with all other
major cities of the country. These initiative are aimed at taking the
customer service to a new height.
InTouch Branches are the most recent hi-tech addition to the array
of our Bank Branches wherein the customers can do all their
transactions in a self service mode without any manual intervention.
In the North East, we have so far opened 4 such Branches in
Guwahati(2), Shillong and Dibrugarh and we are going to open another
4 in Aizawl, Imphal, Agartala and Jorhat within September 2016.
Contd…

11. DIGITAL BANKING
Despite the connectivity problems, the Bank has 3,091 ATMs in
the Region where the availability has almost touched 90% in
August 2016. We are targeting to soon take it beyond 95%. It is
very heartening to note that the ATM share of the Bank in the
Region at 54.09% is the highest in the country. The Bank has also
installed solar UPS in 13 ATMs in 13 regions on pilot basis to
overcome the power supply issues and soon going to roll out to
other ATMs.
To enhance the customer delight by efficient crowd management
and reduced waiting time in the branches, the Bank has
undertaken Customer Experience Excellence Project ( CEEP) in the
Branches of the North East along with other parts of the country.
Contd…

12. DIGITAL BANKING
Under CEEP, the Bank in the NER has secured the No. 1 position in
the country in migration to Swayam, the bar coded passbook printing
system. I am very glad to announce that this Circle is the first one in
the country to introduce Swayam at CSP. The Bank has installed
Swayam at its Rampur CSP on a pilot basis and soon it is going to be
replicated in other CSPs in the entire region which will prove to be a
major game changer.
The Bank in the NER stands 2nd in the country in terms of the
transactions done through card-based Green Channel Counters with
47 % transactions taking place through this channel.
We have about 11,000 Point of Sale (PoS) terminals in the NER out of
which 2,000 are installed in the un-banked areas.
Contd..

13. There are about 7 Lakh INB users in the Region and 6.5 Lakh Mobile
Banking users in the region.
The Bank had launched its mobile wallet, viz. SBI Buddy in August last
year and the number of users using this app in the region till date is
about 60,000.
The customers in this region are very tech-savy and can be easily
migrated to digital platform and hence, all the new age mobile
applications offered by the Bank viz., State Bank Anywhere, State Bank
Samadhan, No Queue etc. are getting very popular amongst the
customers.
DIGITAL BANKING

14. PERFORMANCE AS A CORPORATE CITIZEN
As a sincere Corporate Social Responsible Citizen, State
Bank is supporting many charitable organisations, NGOs,
Trusts etc. engaged in development activities in the society of
the Region. Some of the major CSR done in the Region in the
recent past are
Rs. 100 Lakh to Assam Chief Minister’s Relief Fund during
flood in 2015.
Rs. 200 Lakh to M C Mary Kom Regional Boxing
Foundation for construction of Boys’ Hostel in Manipur.
Rs. 115 Lakh to Sankardeva Nethralaya, Guwahati for
procuring improved medical equipments.
Rs. 96 Lakh to Ramakrishna Mission, Shillong for setting
up multilevel skill development centre. Contd…

15. PERFORMANCE AS A CORPORATE CITIZEN
The Bank has also donated Rs. 25 Lakh to Seva Bharati
Purbanchal Parishad, Rs. 24.89 Lakh to Purbanchal
Janajati Seva Samity (North-East), Rs. 23.54 Lakh to Jana
Sikhsha Samity, Nagaland, Rs. 24.89 Lakh to Jana Kalyan
Trust, Rs. 23.47 Lakh and Rs. 23.99 Lakh to both units of
Kalyan Ashram at Guwahati and Tripura.
SBI has also distributed 950 wheel chairs and 950
stretcher trolleys costing Rs. 119 Lakh to Govt. Hospitals/
charitable medical units across the Region.

16. BUSINESS OPPORTUNITIES
North Eastern Region is blessed with rich natural
resources. The climatic conditions of the region is
best suited for agri and horticulture crops.
Huge potential for the banks to encourage small
tea growers, young entrepreneurs engaged in cane
and bamboo products, handicrafts, handlooms,
food processing industries.

17. The region is fast becoming a hot tourist destination
offering ample opportunities in tea tourism, cultural
tourism, adventure sports, wild life tourism and
other hospitality management activities.
Act East Policy has envisaged improvement in
connectivity in the region. Many new highway and
railroad projects are coming up. This opens up the
opportunities towards infrastructure projects
besides opportunities for financing retail and fleet
operators to boost up transport activities.

18. Going by the opportunities available, the region needs to be
developed as an export hub that can link up with India’s
neighbourhood in South and South East Asia. For this,
several SEZs across the NER is required to be developed.

19. CROSS BORDER ACTIVITIES
 The North Eastern states maintain trade and commercial ties
mainly with the neighbouring countries like Nepal,
Bangladesh, Bhutan and Myanmar.
 Currently cross border trading with Myanmar is taking place
through the designated custom ports at Moreh in Manipur
and Zokhawtar in Mizoram. However, the trading activities
are taking place primarily through informal channel. The two
nations have enough potential for trade and commerce in the
areas of cane, bamboo and wood products, pharmaceuticals,
rubber products, refined petroleum products, cement and
textile items.

20.  The proposed railway linkage between Agartala and Akhaura in
Bangladesh would facilitate easier connectivity between West
Bengal and North Eastern States through Bangladesh. India and
Bangladesh have already agreed to allow cargo movement
through Chittagong international sea port.
 To facilitate border trade, State Bank is well placed with 52
branches in the region dealing with foreign exchange business.
The Bank has branches in Bangladesh and Myanmar, an
associate in Bhutan and a subsidiary in Nepal. The Bank is ready
to open many more branches in these neighbouring countries
wherever considered necessary in future.

21. THANK YOU