Table No. 5.6 - State and Bank Group-Wise Classification of Outstanding Credit of Scheduled Commercial Banks According to Occupation - March 1998

SOUTHERN REGION

STATE :KERALA

(Amount in Rupees Lakh)

STATE BANK OF INDIA

NATIONALISED BANKS

FOREIGN BANKS

AND ITS ASSOCIATES

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Out-

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

standing

1

2

3

4

5

6

7

8

9

I.

AGRICULTURE

3,82,077

582,82

550,75

4,12,001

655,30

613,22

3

10

5

1.

Direct Finance

3,77,811

531,70

502,67

4,09,693

588,31

555,44

3

10

5

2.

Indirect Finance

4,266

51,12

48,09

2,308

67,00

57,78

-

-

-

II.

INDUSTRY

80,139

1511,02

1303,44

50,701

1364,64

1109,78

71

108,58

110,29

1.

Mining & Quarrying

200

25,41

20,10

103

3,26

2,76

-

-

-

2.

Food Manufacturing & Processing

4,217

290,72

234,85

2,291

351,78

259,20

27

78,74

78,10

(a)

Rice Mills, Flour & Dal Mills

495

14,46

14,01

370

10,37

7,72

-

-

-

(b)

Sugar

4

1,48

1,53

2

3

1

-

-

-

(c)

Edible Oils & Vanaspati

337

20,31

15,13

327

24,39

20,55

-

-

-

(d)

Tea Processing

39

53,40

33,78

52

33,03

31,96

16

22,09

10,37

(e)

Processing of Fruits & Vegetables

131

5,20

4,75

42

1,13

75

-

-

-

(f)

Others

3,211

195,88

165,65

1,498

282,84

198,21

11

56,65

67,74

3.

Beverage & Tobacco

97

3,50

2,87

124

6,45

5,60

3

1,28

12

4.

Textiles

1,462

75,45

72,39

1,685

201,03

166,02

-

-

-

(a)

Cotton Textiles

125

30,40

26,94

195

83,38

73,65

-

-

-

(b)

Jute Textiles

13

1,01

94

14

55

49

-

-

-

(c)

Handloom Textiles & Khadi

88

89

91

76

8,20

6,98

-

-

-

(d)

Other Textiles

1,236

43,16

43,60

1,400

108,90

84,91

-

-

-

5.

Paper, Paper Products & Printing

752

82,97

71,62

624

50,13

43,28

-

-

-

6.

Leather & Leather Products

134

6,26

5,28

148

1,59

1,39

-

-

-

7.

Rubber & Rubber Products

895

111,22

90,26

625

69,76

61,07

5

8,30

5,26

8.

Chemicals & Chemical Products

1,365

206,51

194,58

1,292

145,81

120,78

7

7,07

6,91

(a)

Heavy Industrial Chemicals

62

21,68

18,29

45

19,67

18,47

3

6,60

6,49

(b)

Fertilisers

32

95,27

80,37

21

57,91

38,76

-

-

-

(c)

Drugs & Pharmaceuticals

226

13,21

11,59

249

15,98

16,07

4

48

42

(d)

Non-Edible Oils

19

8,37

9,61

11

2,07

1,59

-

-

-

(e)

Other Chemicals & Chemical Products

1,026

67,98

74,71

966

50,18

45,89

-

-

-

9.

Petroleum, Coal Products & Nuclear Fuels

58

9,15

6,60

36

3,99

3,27

-

-

-

10.

Manufacture of Cement & Cement Products

265

12,56

4,56

198

6,82

3,34

-

-

-

11.

Basic Metals & Metal Products

956

64,37

66,49

864

52,82

49,43

14

8,43

8,66

(a)

Iron & Steel

160

41,70

45,75

125

12,45

12,57

-

-

-

(b)

Non-Ferrous Metals

56

2,19

1,68

38

17,49

16,77

4

1,73

2,17

(c)

Other Metal Products

740

20,48

19,05

701

22,88

20,10

10

6,70

6,49

12.

Engineering

1,280

316,75

264,91

1,110

228,61

193,32

6

3,15

10,33

(a)

Heavy Engineering

55

31,85

22,31

56

5,02

4,89

2

3

2

(b)

Light Engineering

570

33,75

32,69

380

22,26

20,44

-

-

-

(c)

Electrical Machinery & Goods

307

178,45

152,81

294

130,86

96,03

4

3,12

10,30

(d)

Electronic Machinery & Goods

348

72,70

57,10

380

70,47

71,96

-

-

-

13.

Vehicles, Vehicle Parts & Transport Equipments

558

15,22

12,39

658

23,47

15,27

-

-

-

14.

Other Industries

67,483

256,69

228,09

40,486

188,33

158,41

7

1,53

84

15.

Electricity, Gas & Water

52

3,04

2,46

42

9,36

7,56

-

-

-

(a)

Electricity Generation & Transmission

33

1,49

1,44

29

9,00

7,32

-

-

-

(b)

Non-Conventional Energy

9

1,11

76

3

8

7

-

-

-

(c)

Gas, Steam & Water Supply

10

44

27

10

28

17

-

-

-

16.

Construction

365

31,21

26,00

415

21,44

19,07

2

6

6

III.

TRANSPORT OPERATORS

19,690

191,12

139,30

14,736

118,15

98,09

4

2,02

29

IV.

PROFESSIONAL AND OTHER SERVICES

16,822

104,29

89,69

77,472

208,37

174,39

-

-

-

V.

PERSONAL LOANS

3,21,421

1089,59

962,78

2,11,878

829,05

762,04

3,961

35,29

22,42

1.

Loans for Purchase of Consumer Durables

46,023

87,95

77,65

18,211

39,59

34,84

-

-

-

2.

Loans for Housing

32,047

337,30

312,70

26,704

226,11

204,19

353

2,33

2,33

3.

Rest of the Personal Loans

2,43,351

664,33

572,44

1,66,963

563,36

523,01

3,608

32,96

20,09

VI.

TRADE

1,36,762

871,69

772,06

1,10,545

649,54

550,26

41

45,17

32,83

1.

Wholesale Trade

7,641

417,35

373,72

3,902

291,74

243,42

27

42,58

30,36

2.

Retail Trade

1,29,121

454,34

398,34

1,06,643

357,80

306,85

14

2,59

2,47

VII.

FINANCE

72

52,83

48,62

162

64,11

52,12

6

8,60

4,76

VIII.

ALL OTHERS

92,941

250,61

231,29

1,46,094

464,45

420,73

21

2,30

65

TOTAL BANK CREDIT

10,49,924

4653,97

4097,95

10,23,589

4353,62

3780,63

4,107

202,06

171,29

OF WHICH:

1. Artisans & Village Industries

22,765

40,10

36,55

14,265

29,11

25,47

-

-

-

2. Other Small Scale Industries

46,833

394,08

359,36

27,237

440,20

357,56

3

8,77

26,23

SOUTHERN REGION

STATE :KERALA

(Amount in Rupees Lakh)

REGIONAL RURAL BANKS

OTHER SCHEDULED

ALL SCHEDULED

COMMERCIAL BANKS

COMMERCIAL BANKS

OCCUPATION

No. of

Credit

Amount

No. of

Credit

Amount

No. of

Credit

Amount

Accounts

Limit

Out-

Accounts

Limit

Out-

Accounts

Limit

Out-

standing

standing

standing

10

11

12

13

14

15

16

17

18

I.

AGRICULTURE

2,97,273

235,30

238,66

1,45,570

327,76

305,61

12,36,924

1801,28

1708,30

1.

Direct Finance

2,95,555

234,19

237,55

1,40,546

296,92

279,57

12,23,608

1651,21

1575,28

2.

Indirect Finance

1,718

1,11

1,11

5,024

30,84

26,05

13,316

150,07

133,02

II.

INDUSTRY

27,657

28,22

26,43

33,249

1092,09

873,27

1,91,817

4104,55

3423,21

1.

Mining & Quarrying

56

90

87

283

23,42

22,60

642

52,98

46,34

2.

Food Manufacturing & Processing

593

2,77

2,44

2,361

356,86

267,74

9,489

1080,87

842,33

(a)

Rice Mills, Flour & Dal Mills

101

88

74

529

31,16

28,28

1,495

56,87

50,74

(b)

Sugar

-

-

-

3

5

6

9

1,56

1,59

(c)

Edible Oils & Vanaspati

59

61

56

413

14,95

12,31

1,136

60,25

48,55

(d)

Tea Processing

-

-

-

25

19,75

15,77

132

128,26

91,88

(e)

Processing of Fruits & Vegetables

11

3

3

27

1,03

74

211

7,39

6,27

(f)

Others

422

1,25

1,11

1,364

289,92

210,58

6,506

826,54

643,29

3.

Beverage & Tobacco

9

5

4

208

17,94

18,70

441

29,21

27,33

4.

Textiles

192

1,24

1,08

1,275

65,80

57,47

4,614

343,52

296,96

(a)

Cotton Textiles

27

21

18

139

16,94

18,87

486

130,93

119,63

(b)

Jute Textiles

-

-

-

6

7

6

33

1,62

1,49

(c)

Handloom Textiles & Khadi

3

2

1

72

1,77

1,69

239

10,88

9,59

(d)

Other Textiles

162

1,01

89

1,058

47,02

36,85

3,856

200,09

166,25

5.

Paper, Paper Products & Printing

31

32

28

689

42,30

38,43

2,096

175,71

153,61

6.

Leather & Leather Products

6

6

6

101

1,68

1,60

389

9,58

8,34

7.

Rubber & Rubber Products

15

16

16

560

81,37

40,79

2,100

270,82

197,54

8.

Chemicals & Chemical Products

33

34

30

988

82,80

52,42

3,685

442,54

374,99

(a)

Heavy Industrial Chemicals

-

-

-

26

8,65

8,61

136

56,61

51,87

(b)

Fertilisers

-

-

-

12

30,40

5,46

65

183,57

124,59

(c)

Drugs & Pharmaceuticals

8

11

10

214

17,13

14,83

701

46,90

43,01

(d)

Non-Edible Oils

2

4

1

15

33

37

47

10,80

11,58

(e)

Other Chemicals & Chemical Products

23

19

19

721

26,30

23,14

2,736

144,65

143,93

9.

Petroleum, Coal Products & Nuclear Fuels

-

-

-

40

2,57

2,69

134

15,71

12,55

10.

Manufacture of Cement & Cement Products

16

13

14

265

11,33

10,84

744

30,83

18,88

11.

Basic Metals & Metal Products

58

40

34

563

23,25

18,49

2,455

149,28

143,41

(a)

Iron & Steel

2

1

1

103

14,41

10,93

390

68,57

69,26

(b)

Non-Ferrous Metals

-

-

-

13

18

19

111

21,60

20,81

(c)

Other Metal Products

56

39

32

447

8,65

7,38

1,954

59,11

53,34

12.

Engineering

45

41

38

965

58,85

56,42

3,406

607,77

525,35

(a)

Heavy Engineering

5

17

15

70

2,52

2,07

188

39,59

29,44

(b)

Light Engineering

8

3

3

347

6,87

6,10

1,305

62,91

59,25

(c)

Electrical Machinery & Goods

24

17

16

263

31,71

28,42

892

344,31

287,73

(d)

Electronic Machinery & Goods

8

4

4

285

17,74

19,82

1,021

160,96

148,92

13.

Vehicles, Vehicle Parts & Transport Equipments

12

9

7

371

20,80

18,57

1,599

59,57

46,30

14.

Other Industries

26,572

20,86

19,84

22,915

183,62

157,11

1,57,463

651,04

564,29

15.

Electricity, Gas & Water

-

-

-

26

1,32

1,25

120

13,72

11,27

(a)

Electricity Generation & Transmission

-

-

-

8

36

27

70

10,85

9,02

(b)

Non-Conventional Energy

-

-

-

2

51

54

14

1,70

1,37

(c)

Gas, Steam & Water Supply

-

-

-

16

45

45

36

1,17

88

16.

Construction

19

50

44

1,639

118,20

108,15

2,440

171,42

153,73

III.

TRANSPORT OPERATORS

1,384

18,00

13,84

29,449

336,65

256,97

65,263

665,94

508,49

IV.

PROFESSIONAL AND OTHER SERVICES

33,495

25,57

25,03

42,032

244,25

203,17

1,69,821

582,48

492,28

V.

PERSONAL LOANS

60,456

63,86

62,37

3,68,737

1028,70

961,55

9,66,453

3046,49

2771,17

1.

Loans for Purchase of Consumer Durables

10,691

10,50

9,88

22,661

46,81

40,58

97,586

184,85

162,95

2.

Loans for Housing

2,182

13,62

12,87

31,562

317,54

284,76

92,848

896,90

816,86

3.

Rest of the Personal Loans

47,583

39,74

39,62

3,14,514

664,36

636,21

7,76,019

1964,73

1791,37

VI.

TRADE

1,48,882

129,49

124,25

74,884

1038,23

773,86

4,71,114

2734,12

2253,27

1.

Wholesale Trade

62

50

49

4,769

391,14

249,09

16,401

1143,30

897,08

2.

Retail Trade

1,48,820

128,99

123,76

70,115

647,09

524,77

4,54,713

1590,82

1356,19

VII.

FINANCE

1

-

-

368

34,33

24,33

609

159,88

129,84

VIII.

ALL OTHERS

32,440

24,68

24,01

2,65,269

479,31

398,64

5,36,765

1221,35

1075,32

TOTAL BANK CREDIT

6,01,588

525,12

514,60

9,59,558

4581,32

3797,40

36,38,766

14316,10

12361,87

OF WHICH:

1. Artisans & Village Industries

18,438

11,14

10,73

5,857

14,50

12,84

61,325

94,85

85,59

2. Other Small Scale Industries

7,734

12,94

11,90

18,557

460,97

363,07

1,00,364

1316,96

1118,12