3. Scheduled Commercial Banks - Business in India

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Date: January 11, 2003


(Rs. crore)

		Outstanding		Variation over

	Item		as on 2002		Financial year so far		Year-on-year
			Dec. 27#	Fortnight	2001-2002	2002-2003	2001	2002

1			2	3	4	5	6	7

Liabilities to the Banking System
	Demand and time deposits from Banks		37,785	–305	–18,809	6,356	–13,317	5,843
	Borrowings from Banks⁽¹⁾		20,684	1,708	–5,956	434	–2,650	2,593
	Other demand and time liabilities⁽²⁾		2,089	–191	149	–134	1,188	–351
Liabilities to Others
	Aggregate deposits@		12,59,128	3,332	1,08,145	1,55,767	1,37,594	1,88,365
				(0.3)	(11.2)	(14.1)	(14.7)	(17.6)
					[11.8]	[14.7]	[15.5]	[18.3]
	Demand		1,63,228	2,329	6,084	10,180	8,605	14,592
	Time@		10,95,899	1,004	1,02,061	1,45,588	1,28,989	1,73,773
	Borrowings⁽³⁾		10,397	613	1,933	7,368	2,227	5,898
	Other demand and time liabilities		1,23,354	2,893	14,964	11,471	18,293	17,182
Borrowings from Reserve Bank			34	28	3,090	–3,583	294	–6,952

Cash in hand and Balances with Reserve Bank			71,132	–1,853	10,745	2,484	1,951	–4,815
	Cash in hand		6,840	174	1,484	595	469	–302
	Balances with Reserve Bank		64,292	–2,027	9,260	1,889	1,482	–4,513

Assets with the Banking System
	Balance with other Banks⁽⁴⁾		17,650	194	–2,493	–343	853	287
	Money at call and short notice		34,466	2,575	–10,982	7,842	–7,485	9,820
	Advances to Banks		7,866	115	–3,180	2,293	–951	6,113
	Other assets		2,447	44	439	–227	536	71
Investments⁽⁵⁾			5,25,302	–4,887	56,705	87,033	70,914	98,439
				(–0.9)	(15.3)	(19.9)	(19.9)	(23.1)
	Government securities		4,98,830	–4,582	59,092	87,654	73,495	99,703
	Other approved securities		26,472	–305	–2,388	–621	–2,581	–1,265

Bank Credit			6,88,934	4,892	48,240	99,212	61,971	1,29,261
				(0.7)	(9.4)	(16.8)	(12.5)	(23.1)
	Food Credit		51,947	–281	12,285	–2,031	14,826	–330
	Non-food credit		6,36,988	5,173	35,955	1,01,243	47,144	1,29,590

	Loans, cash-credit and overdrafts		6,44,577	4,841	49,895	96,970	63,789	1,24,466
	Inland bills- purchased		5,242	239	75	211	–403	258
	discounted⁽⁶⁾		19,952	210	–982	1,669	–425	2,360
	Foreign bills-purchased		9,289	297	–828	201	–1092	766
	discounted		9,874	–694	78	161	103	1,410
Cash-Deposit Ratio			5.65
Investment-Deposit Ratio			41.72
Credit-Deposit Ratio			54.72

@ : Includes Rs.17,945 crore on account of proceeds from Resurgent India Bonds (RIBs), since August 28, 1998 and Rs.25,662 crore on account of proceeds from India Millennium Deposits (IMDs), since November 17, 2000. Figures in italics are percentage variations net of RIBs and IMDs as the case may be. (1) Excluding borrowings of Regional Rural Banks from their sponsor banks. (2) Wherever it has not been possible to identify a liability to the banking system, it has been included in the corresponding items under 'liabilities to others'. (3) Other than from Reserve Bank of India, IDBI, NABARD and EXIM Bank. (4) In current account and in other account. (5) Investments set out in this Table are for the purpose of SLR and do not include other investments which are given separately in Table No.5 (6) Excludes bills rediscounted with the Reserve Bank of India. Figures in brackets denote percentage variation in the relevant period. Note : Includes the impact of mergers since May 3, 2002.