(Rs. crore)

Outstanding

Variation over

as on

Financial year so far

Year-on-year

Item

2003

Month

2001-2002

2002-2003

2002

2003

Jan. 31#

1

2

3

4

5

6

7

Liabilities to the Banking System

Demand and time deposits from Banks

37,155

–630

–19,905

5,726

–15,822

6,310

Borrowings from Banks⁽¹⁾

18,964

–1,720

–6,949

–1,286

–4,191

1,866

Other demand and time liabilities⁽²⁾

1,925

–164

–451

–298

545

85

Liabilities to Others

Aggregate deposits@

12,76,561

17,434

1,14,052

1,73,201

1,40,624

1,99,891

(1.4)

(11.8)

(15.7)

(15.0)

(18.6)

[12.4]

[16.3]

[15.8]

[19.3]

Demand

1,65,019

1,790

–1,101

11,970

10,184

23,568

Time@

11,11,543

15,643

1,15,153

1,61,231

1,30,440

1,76,324

Borrowings⁽³⁾

13,178

2,781

1,072

10,150

1,143

9,540

Other demand and time liabilities

1,23,872

518

11,268

11,988

15,969

21,396

Borrowings from Reserve Bank

402

368

75

–3,214

–2,128

–3,569

Cash in hand and Balances with Reserve Bank

73,150

2,018

9,224

4,502

–2,183

–1,276

Cash in hand

6,683

–157

490

438

674

535

Balances with Reserve Bank

66,467

2,176

8,735

4,065

–2,856

–1,811

Assets with the Banking System

Balance with other Banks⁽⁴⁾

17,619

–32

–3,175

–374

245

938

Money at call and short notice

30,689

–3,777

–11,956

4,065

–8,611

7,017

Advances to Banks

6,883

–982

1,217

1,311

2,914

734

Other assets

2,423

–24

266

–251

157

220

Investments⁽⁵⁾

5,36,620

11,318

59,389

98,351

73,162

1,07,071

(2.2)

(16.0)

(22.4)

(20.5)

(24.9)

Government securities

5,10,185

11,355

61,930

99,009

75,740

1,08,220

Other approved securities

26,435

–37

–2,540

–658

–2,578

–1,149

Bank Credit

7,04,087

15,152

57,109

1,14,364

68,260

1,35,544

(2.2)

(11.2)

(19.4)

(13.6)

(23.8)

Food Credit

50,447

–1,499

14,689

–3,531

15,602

–4,233

Non-food credit

6,53,639

16,652

42,420

1,17,895

52,658

1,39,776

Loans, cash-credit and overdrafts

6,58,889

14,312

58,437

1,11,283

68,607

1,30,237

Inland bills- purchased

5,330

89

–47

299

–103

470

discounted⁽⁶⁾

20,117

165

–391

1,834

2

1,933

Foreign bills-purchased

9,477

188

–869

388

–663

995

discounted

10,274

399

–20

560

418

1,908

Cash-Deposit Ratio

5.73

Investment-Deposit Ratio

42.04

Credit-Deposit Ratio

55.15

@

: 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.