(Rs. crore)

Out-

Variation over

standing

Item

as on 2003

Month

Financial year so far

Year-on-year

Apr. 25#

2002-2003

2003-2004

2002

2003

1

2

3

4

5

6

7

Liabilities to the Banking System

Demand and time deposits from Banks

37,815

–2,791

1,249

–2,635

–19,408

5,138

Borrowings from Banks ⁽¹⁾

15,250

–3,565

1,951

–4,202

–5,856

–6,951

Other demand and time liabilities ⁽²⁾

2,612

273

115

320

305

274

Liabilities to Others

Aggregate deposits@

13,21,185

16,839

33,393

40,609

1,43,948

1,84,433

(1.3)

(3.0)

(3.2)

(14.5)

(16.2)

[3.2]

[3.3]

[15.2]

[16.9]

Demand

1,79,278

–3,809

2,662

10,438

11,143

23,568

Time@

11,41,907

20,647

30,731

30,171

1,32,805

1,60,864

Borrowings⁽³⁾

16,175

1,555

3,220

3,552

435

9,926

Other demand and time liabilities

1,25,802

–8,284

–7,798

–3,146

7,199

21,717

Borrowings from Reserve Bank

1

–1,257

–1,450

–78

–4,069

–2,165

Cash in hand and Balances with Reserve Bank

75,071

–7,703

6,216

9,731

–7,763

208

Cash in hand

8,014

883

532

1,009

683

1,237

Balances with Reserve Bank

67,057

–8,587

5,684

8,722

–8,446

–1,029

Assets with the Banking System

Balance with other Banks⁽⁴⁾

18,146

571

441

496

–2,311

–288

Money at call and short notice

24,574

–5,830

7,333

–8,114

–7,369

–9,383

Advances to Banks

6,208

–737

–492

–898

641

1,127

Other assets

2,660

–50

–112

162

506

98

Investments⁽⁵⁾

5,66,725

24,245

14,133

18,408

73,399

1,14,323

(4.5)

(3.2)

(3.4)

(19.4)

(25.3)

Government securities

5,39,730

23,772

14,501

17,914

77,020

1,14,053

Other approved securities

26,995

473

–368

494

–3,621

270

Bank Credit

7,31,429

–10,342

6,797

6,061

79,644

1,34,909

(–1.4)

(1.2)

(0.8)

(15.4)

(22.6)

Food Credit

47,267

–2,130

1,036

–2,212

15,705

–7,746

Non-food credit

6,84,161

–8,211

5,762

8,273

63,939

1,42,655

Loans, cash-credit and overdrafts

6,84,078

–9,116

5,328

6,211

79,206

1,31,143

Inland bills- purchased

6,089

134

37

276

–114

1,021

discounted⁽⁶⁾

21,105

–128

1,172

491

–353

1,650

Foreign bills-purchased

9,851

–41

–5

330

–676

768

discounted

10,306

–1,191

265

–1,247

1,581

327

Cash-Deposit Ratio

5.68

Investment-Deposit Ratio

42.90

Credit-DepositRatio

55.36

@ : 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.
Notes:
1. Based on Special Returns submited by the banks as required when the last Friday of the month is not an alternate Friday for the reporting purposes.
2. Includes the impact of mergers since May 3, 2002.