3. Scheduled Commercial Banks - Business in India

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3. Scheduled Commercial Banks - Business in India

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Date: May 15, 1999


							(Rs. crore)

		Outstanding
		as on		Variation over

Item		1999			Financial year so far

		Apr. 30#		Month	1998-99	1999-2000	Year

1		2		3	4	5	6


Liabilities to the Banking System
	Demand and time deposits from banks	33,179		919	-143	919	9,639
	Borrowings from Banks⁽¹⁾	14,325		2,702	-130	2,702	7,295
	Other demand and time liabilities⁽²⁾	932		241	-892	241	378
Liabilities to Others
	Aggregate deposits	7,27,925	@	10,653	5,866	10,653	1,16,649
				(1.5)	(1.0)	(1.5)	(19.1)
	Demand	1,12,337		-1,143	-3,882	-1,143	13,707
	Time	6,15,587	@	11,796	9,748	11,796	1,02,942
	Borrowings⁽³⁾	3,069		1,077	22	1,077	1,767
	Other demand and time liabilities	53,809		1,393	2,419	1,393	11,636
Borrowings from Reserve Bank		7,371		4,477	-228	4,477	7,205

Cash in hand and Balances with Reserve Bank		76,245		8,715	-5,045	8,715	19,985
	Cash in hand	4,156		174	107	174	441
	Balances with Reserve Bank	72,089		8,541	-5,153	8,541	19,544
Assets with the Banking System
	Balance with other Banks⁽⁴⁾	13,854		932	-263	932	2,565
	Money at call and short notice	21,216		3,082	-1,117	3,082	13,472
	Advances to banks	1,448		-191	-700	-191	-15
	Other assets	1,409		106	101	106	-359
Investments⁽⁵⁾		2,65,863		11,744	12,574	11,744	34,584
				(4.6)	(5.7)	(4.6)	(15.0)
	Government securities	2,32,926		10,182	12,509	10,182	33,460
	Other approved securities	32,936		1,562	65	1,562	1,123
Bank Credit		3,69,913		3,910	-2,502	3,910	48,336
				(1.1)	(-0.8)	(1.1)	(15.0)
	Food Credit	20,063		3,247	434	3,247	7,143
	Non-food credit	3,49,851		663	-2,936	663	41,193
	Loans, cash-credit and overdrafts	3,37,328		2,461	-3,022	2,461	45,615
	Inland bills- purchased	4,969		257	5	257	304
	discounted⁽⁶⁾	11,861		1,085	578	1,085	1,514
	Foreign bills-purchased	8,246		-122	-44	-122	361
	discounted	7,509		228	-19	228	543
Cash-Deposit Ratio		10.47
Investment-Deposit Ratio		36.52
Credit-Deposit Ratio		50.82

@ : Includes Rs. 17,945 crore on account of proceeds from Resurgent India Bonds (RIBs). Excluding these proceeds, the growth rates in aggregate deposits as shown in columns 5 and 6 would work out to 1.5 per cent and 16.1 per cent, respectively.
(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 'liabilites 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 seperately 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: Based on Special Returns submitted by the banks as required when the last Friday of the month is not an alternate Friday for reporting purposes.