1. All banks which are included in the Second Schedule to the Reserve Bank of India Act, 1934 are Scheduled Banks. These banks comprise Scheduled Commercial Banks and Scheduled Co-operative Banks.

2. Scheduled Commercial Banks in India are categorised into five different groups according to their ownership and / or nature of operation. These bank groups are (i) State Bank of India and its Associates, (ii) Nationalised Banks, (iii) Regional Rural Banks, (iv) Foreign Banks and (v) Other Indian Scheduled Commercial Banks (in the private sector).

3. Scheduled Co-operative Banks consist of Scheduled State Co-operative Banks and Scheduled Urban Co-operative Banks.

4. Regional Rural Banks and Scheduled Co-operative Banks are excluded in bank-wise tables and their summary tables at bank group level. However, details of Regional Rural Banks and Scheduled Co-operative Banks as groups are presented in Tables 2.1 and 2.2.

5. During the year 2004-05, the following changes have taken place in the commercial banking system

(i) Yes Bank has been included in the Second Schedule to the Reserve Bank of India Act, 1934 with effect from 19th August 2004.

(ii) IDBI Bank has been excluded from the Second Schedule to the Reserve Bank of India Act, 1934 with effect from 2nd April 2005. However, no separate balance sheet and profit and loss accounts are available for the bank for 2004-05. It has been merged with its parent IDBI Ltd. and the latter has been included in the Second Schedule to the Reserve Bank of India Act, 1934 with effect from 11th October 2004.

(iii) Global Trust Bank has been excluded from the Second Schedule to the Reserve Bank of India Act, 1934 with effect from 7th August 2004.

(iv) Sumitomo Mitsui Bank has been excluded from the Second Schedule to the Reserve Bank of India Act, 1934 with effect from 28th February 2005.

(v) Credit Lyonnais Bank has been excluded from the Second Schedule to the Reserve Bank of India Act, 1934 with effect from 1st May 2004.

These changes are reflected in the tables where individual bank’s data are presented.

6. In the bank group-wise classification, IDBI Ltd. has been included in Nationalised Banks.

7. As on the date of going to the press, balance sheet and profit and loss account of Sangli Bank were not available, and hence excluded in 2004-05 data.

8. Population groups of the banked centres presented in this volume are based on the 1991 census. The population groups are defined as under:

(i) ‘Rural’ group includes all centres with population of less than 10,000