3. Scheduled Commercial Banks - Business in India

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Date: April 05, 2003


(Rs. crore)
		Outstanding	Variation over
		as on
*Item*		2003	Fortnight	Financial year so far		Year-on-year
		Mar. 21#		2001-2002	2002-2003	2002	2003

1		2	3	4	5	6	7

Liabilities to the Banking System
	Demand and time deposits from Banks	40,450	1,200	–19,322	9,021	–19,322	9,021
	Borrowings from Banks ⁽¹⁾	19,453	–2,263	–3,797	–797	–3,797	–797
	Other demand and time liabilities⁽²⁾	2,292	–51	–67	69	–67	69
Liabilities to Others
	Aggregate deposits@	12,80,576	2,556	1,40,742	1,77,216	1,40,742	1,77,216
			(0.2)	(14.6)	(16.1)	(14.6)	(16.1)
				[15.3]	[16.7]	[15.3]	[16.7]
	Demand	1,68,840	3,155	10,496	15,792	10,496	15,792
	Time@	11,11,736	–599	1,30,246	1,61,424	1,30,246	1,61,424
	Borrowings⁽³⁾	12,623	787	462	9,594	462	9,594
	Other demand and time liabilities	1,28,948	3,222	20,676	17,065	20,676	17,065
Borrowings from Reserve Bank		79	–1,180	–280	–3,537	–280	–3,537
Cash in hand and Balances with Reserve Bank		65,340	–9,459	3,446	–3,307	3,446	–3,307
	Cash in hand	7,005	398	587	760	587	760
	Balances with Reserve Bank	58,335	–9,856	2,858	–4,068	2,858	–4,068
Assets with the Banking System
	Balance with other Banks⁽⁴⁾	17,650	437	–1,863	–343	–1,863	–343
	Money at call and short notice	32,689	2,442	–9,004	6,064	–9,004	6,064
	Advances to Banks	7,106	–354	640	1,534	640	1,534
	Other assets	2,498	–97	736	–176	736	–176
Investments⁽⁵⁾		5,48,317	6,455	68,110	1,10,048	68,110	1,10,048
			(1.2)	(18.4)	(25.1)	(18.4)	(25.1)
	Government securities	5,21,816	6,543	71,142	1,10,640	71,142	1,10,640
	Other approved securities	26,501	–88	–3,032	–592	–3,032	–592
Bank Credit		7,25,368	10,746	78,289	1,35,645	78,289	1,35,645
			(1.5)	(15.3)	(23.0)	(15.3)	(23.0)
	Food Credit	49,479	–237	13,987	–4,499	13,987	–4,499
	Non-food credit	6,75,888	10,982	64,302	1,40,144	64,302	1,40,144
	Loans, cash-credit and overdrafts	6,77,866	9,473	77,391	1,30,260	77,391	1,30,260
	Inland bills- purchased	5,813	252	123	782	123	782
	discounted⁽⁶⁾	20,614	415	–291	2,331	–291	2,331
	Foreign bills-purchased	9,521	–77	–262	433	–262	433
	discounted	11,553	682	1,328	1,839	1,328	1,839
Cash-Deposit Ratio		5.10
Investment-Deposit Ratio		42.82
Credit-DepositRatio		56.64

@	: 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.