3. Scheduled Commercial Banks - Business in India

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3. Scheduled Commercial Banks - Business in India

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Date: June 12, 1999


(Rs. crore)

			Outstanding
			as on	Variation over

Item			1999		Financial year so far
			May 28#	Month	1998-99	1999-2000	Year

1			2	3	4	5	6

Liabilities to the Banking System
	Demand and time deposits from banks		32,264	-914	167	4	8,415
	Borrowings from Banks⁽¹⁾		13,718	-607	488	2,095	6,070
	Other demand and time liabilities⁽²⁾		1,198	267	-915	508	668
Liabilities to Others
	Aggregate deposits		7,30,078@	2,153	11,138	12,807	1,13,530
				(0.3)	(1.8)	(1.8)	(18.4)
	Demand		1,08,693	-3,645	-6,438	-4,787	12,617
	Time		6,21,385@	5,798	17,575	17,594	1,00,913
	Borrowings⁽³⁾		4,790	1,721	2,495	2,798	1,016
	Other demand and time liabilities		51,567	-2,243	3,002	-849	8,811

Borrowings from Reserve Bank			8,415	1,044	-86	5,521	8,107

Cash in hand and Balances with Reserve Bank			76,098	-147	2,746	8,568	12,046
	Cash in hand		4,334	178	569	352	158
	Balances with Reserve Bank		71,763	-326	2,177	8,216	11,888

Assets with the Banking System
	Balance with other Banks⁽⁴⁾		12,813	-1,041	-995	-109	2,256
	Money at call and short notice		17,879	-3,337	178	-255	8,840
	Advances to banks		1,601	153	-1,203	-37	641
	Other assets		1,227	-182	-469	-76	29
Investments⁽⁵⁾			2,71,634	5,771	15,595	17,515	37,334
				(2.2)	(7.1)	(6.9)	(15.9)
	Government securities		2,39,289	6,363	15,417	16,545	36,916
	Other approved securities		32,345	-592	179	970	418

Bank Credit			3,67,917	-1,996	-3,371	1,914	47,210
				(-0.5)	(-1.0)	(0.5)	(14.7)

	Food Credit		22,713	2,651	3,562	5,897	6,666
	Non-food credit		3,45,204	-4,647	-6,933	-3,983	40,544

	Loans, cash-credit and overdrafts		3,37,388	60	-2,905	2,521	45,558
	Inland bills- purchased		4,526	-443	-314	-185	181
		discounted⁽⁶⁾	10,567	-1,294	363	-209	436
	Foreign bills-purchased		7,825	-422	-359	-543	253
		discounted	7,611	102	-156	311	782

Cash-Deposit Ratio			10.42
Investment-Deposit Ratio			37.21
Credit-Deposit Ratio			50.39

@ : Includees 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 1.8 per cent and 15.5 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.