3. Scheduled Commercial Banks - Business in India

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तारीख: डिसेंबर 18, 2004

(Rs. crore)

		Outstanding			Variation over
		as on
				Financial year so far		Year-on-year
*Item*		2004
			Fortnight
		Nov. 26#		2003-2004	2004-2005	2003	2004
1		2	3	4	5	6	7
Liabilities to the Banking System
	Demand and time deposits from Banks	34,355	–800	–5,268	–2,479	–3,448	–832
	Borrowings from Banks ⁽¹⁾	28,375	885	–5,435	13,348	–6,524	14,172
	Other demand and time liabilities⁽²⁾	3,413	618	369	786	470	790
Liabilities to Others
	Aggregate deposits@	16,10,281	13,664	1,24,965	1,05,865	1,48,391	2,04,463
			(0.9)	(9.8)	(7.0)	(11.8)	(14.5)
	Demand	2,27,939	2,182	16,069	2,917	26,063	41,580
	Time@	13,82,342	11,482	1,08,895	1,02,948	1,22,328	1,62,883
		[13,78,773]			[99,379]		[1,59,314]
	Borrowings⁽³⁾	65,787	–329	9,634	41,118	12,554	43,516
	Other demand and time liabilities	1,62,566	1,647	5,853	14,482	15,559	26,907
Borrowings from Reserve Bank		8	–1,203	–79	8	–30	8

Cash in hand and Balances with Reserve Bank		98,355	4,190	16,389	21,461	9,368	16,064
	Cash in hand	8,914	–279	1,471	1,016	2,054	–125
	Balances with Reserve Bank	89,442	4,469	14,918	20,445	7,313	16,189

Assets with the Banking System
	Balance with other Banks⁽⁴⁾	17,197	–968	–1,593	235	–1,875	1,601
	Money at call and short notice	21,056	913	–14,561	2,999	–13,513	3,483
	Advances to Banks	8,943	–374	1,607	–1,581	1,349	189
	Other assets	2,349	223	–31	–288	158	–169
Investments ⁽⁵⁾		7,01,878	10,309	97,683	24,290	1,20,035	56,649
			(1.5)	(17.8)	(3.6)	(22.9)	(8.8)
	Government securities	6,75,922	10,559	98,427	21,165	1,21,360	54,079
		[6,63,730]			[8,972]		[41,886]
	Other approved securities	25,956	–250	–743	3,126	–1,325	2,570

Bank Credit		10,06,309	10,792	39,997	1,65,524	85,542	2,37,097
			(1.1)	(5.5)	(19.7)	(12.5)	(30.8)
	Food Credit	42,380	1,152	–13,018	6,419	–17,885	5,918
	Non-food credit	9,63,929	9,640	53,014	1,59,105	1,03,427	2,31,179
		[9,31,247]			[1,26,423]		[1,98,496]
	Loans, cash-credit and overdrafts	9,50,220	10,189	40,184	1,60,980	82,152	2,27,963
	Inland bills- purchased	7,814	193	890	844	1,909	1,340
	discounted⁽⁶⁾	23,506	95	–628	1,776	1	3,950
	Foreign bills-purchased	10,214	175	–677	101	145	1,141
	discounted	14,556	140	228	1,823	1,335	2,703
*Cash-Deposit Ratio*		*6.11*
*Investment-Deposit Ratio*		*43.59*
*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.