The 'Banking Statistics : Quarterly Handout - June 1998'providing data on Aggregate Deposits and Gross Bank Credit of Scheduled Commercial Banks as on last Friday of June 1998, with various classifications, has been published by Reserve Bank of India. The primary data have been collected from the Scheduled Commercial Banks through the BSR-7 returns. Data have been presented according to top hundred centres, population groups, districts, states and bank groups.

2 The top hundred centres arranged according to size of deposits accounted for 59.7 per cent of the total deposits. Similarly, the top hundred centres arranged according to size of bank credit constituted 73.1 per cent of total bank credit.

3 Nationalised banks as a group contributed 54.0 per cent of the aggregate deposits while the State Bank of India and its Associates accounted for another 24.8 per cent. The shares were 7.5 per cent for Foreign Banks, 10.1 per cent for Other Scheduled Commercial Banks and 3.6 per cent for Regional Rural Banks. As regards Gross Bank Credit, Nationalised Banks accounted for a share of 47.8 per cent of the total Bank Credit, While State Bank of India and its Associates claimed a share of 30.3 per cent. Foreign Banks, Other Scheduled Commercial Banks and Regional Rural Banks followed with shares of 8.7 per cent, 10.3 per cent and 2.9 per cent, respectively.

4 Among the States, the annual (point to point) growth rate of deposits was highest in Andhra Pradesh (27.6 per cent) followed by Orissa (26.7 per cent), Delhi (24.4 per cent), Uttar Pradesh (23.0 per cent) and Himachal Pradesh (22.7 per cent). The annual (point to point) growth rate of Bank Credit was highest in Arunachal Pradesh (42.4 per cent) followed by Delhi (34.5) per cent, Jammu & Kashmir (33.0 per cent), Rajasthan (25.3 per cent) and Meghalaya (24.8 per cent). Six states namely Maharashtra, Delhi, Uttar Pradesh, West Bengal, Tamil Nadu and Gujarat together accounted for a total share of 60.3 per cent of Aggregate Deposits. Similarly, the six states namely Maharashtra, Delhi, Tamil Nadu, Andhra Pradesh, Karnataka and West Bengal together accounted for a total share of 69.3 per cent of Gross Bank Credit. Maharashtra alone contributed 20.0 per cent of total deposits and 24.8 per cent of total credit.

5 The All-India Credit-Deposit (C-D) ratio as on last Friday of June 1998 works out to 54.5 per cent. This ratio was relatively high for State Bank of India and its Associates (66.5 per cent) and Foreign Banks (63.0 per cent). The C-D ratios were much lower for Regional Rural Banks at 44.8 per cent and Nationalised Banks at 48.2 per cent. Population group-wise, Metropolitan centres had the highest C-D ratio of 73.5 per cent followed by Urban and Rural centres (42.0 per cent) each and Semi-Urban centres (34.8 per cent).