(Rs. crore)

Outstanding

Variation over

as on

Financial year so far

Year-on-year

Item

2004

Fortnight

Dec. 10#

2003-2004

2004-2005

2003

2004

1

2

3

4

5

6

7

Liabilities to the Banking System

Demand and time deposits from Banks

34,631

277

–5,177

–2,202

–2,788

–647

Borrowings from Banks ⁽¹⁾

28,745

370

–6,617

13,719

–6,246

15,724

Other demand and time liabilities⁽²⁾

2,887

–526

1,300

260

1,301

–667

Liabilities to Others

Aggregate deposits@

16,21,659

11,378

1,31,176

1,17,243

1,56,886

2,09,629

(0.7)

(10.2)

(7.8)

(12.5)

(14.8)

Demand

2,31,168

3,229

18,967

6,146

29,648

41,912

Time@

13,90,491

8,149

1,12,209

1,11,097

1,27,238

1,67,718

[13,86,922]

[1,07,528]

[1,64,149]

Borrowings⁽³⁾

66,801

1,014

9,939

42,131

12,502

44,224

Other demand and time liabilities

1,65,981

3,415

8,657

17,897

17,856

27,519

Borrowings from Reserve Bank

—

–8

–79

—

–6

—

Cash in hand and Balances with Reserve Bank

93,591

–4,764

13,737

16,697

6,766

13,953

Cash in hand

9,045

131

411

1,147

1,424

1,067

Balances with Reserve Bank

84,546

–4,895

13,326

15,550

5,342

12,886

Assets with the Banking System

Balance with other Banks⁽⁴⁾

16,971

–225

–1,580

10

–1,429

1,363

Money at call and short notice

22,083

1,026

–14,638

4,025

–14,750

4,586

Advances to Banks

9,189

247

1,770

–1,334

1,046

272

Other assets

2,355

5

18

–282

130

–213

Investments ⁽⁵⁾

7,09,297

7,419

1,02,471

31,709

1,20,984

59,280

(1.1)

(18.7)

(4.7)

(22.9)

(9.1)

Government securities

6,83,147

7,224

1,03,153

28,389

1,21,954

56,577

[6,70,954]

[16,196]

[44,384]

Other approved securities

26,150

194

–682

3,320

–970

2,704

Bank Credit

10,13,366

7,057

43,156

1,72,581

87,288

2,40,995

(0.7)

(5.9)

(20.5)

(12.7)

(31.2)

Food Credit

43,193

813

–13,973

7,232

–16,721

7,686

Non-food credit

9,70,173

6,244

57,128

1,65,349

1,04,009

2,33,308

[9,37,490]

[1,32,667]

[2,00,626]

Loans, cash-credit and overdrafts

9,57,933

7,714

43,734

1,68,693

84,798

2,32,126

Inland bills- purchased

7,398

–416

716

429

1,481

1,097

discounted⁽⁶⁾

23,287

–218

–686

1,558

–258

3,790

Foreign bills-purchased

10,244

30

–793

131

–9

1,287

discounted

14,503

–53

184

1,770

1,276

2,695

Cash-Deposit Ratio

5.77

Investment-Deposit Ratio

43.74

Credit-DepositRatio

62.49

@ : Includes Rs.25,662 crore on account of proceeds from India Millennium Deposits (IMDs), since November 17, 2000.
Data also reflect redemption of Resurgent India Bonds (RIBs) of Rs.22,693 crore, since October 1, 2003.
(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. Includes the impact of mergers since May 3, 2002.
2. Figures in [ ] exclude the impact of conversion of a non-banking entity into banking entity from October 11, 2004.