3. Scheduled Commercial Banks - Business in India - ଆରବିଆଇ - Reserve Bank of India
3. Scheduled Commercial Banks - Business in India
(Rs. crore) |
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Outstanding |
Variation over |
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as on |
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Financial year so far |
Year-on-year |
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Item |
2004 |
Month |
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Jan. 30# |
2002-2003 |
2003-2004 |
2003 |
2004 |
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1 |
2 |
3 |
4 |
5 |
6 |
7 |
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Liabilities to the Banking System |
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Demand and time deposits from Banks |
36,736 |
1,008 |
5,421 |
–3,718 |
6,005 |
–114 |
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Borrowings from Banks(1) |
12,548 |
–1,199 |
–470 |
–7,089 |
2,682 |
–7,232 |
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Other demand and time liabilities |
(2) |
2,185 |
–167 |
–232 |
–69 |
152 |
193 |
|
Liabilities to Others |
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Aggregate deposits@ |
14,50,698 |
30,910 |
1,74,478 |
1,69,845 |
2,01,169 |
1,72,860 |
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(2.2) |
(15.8) |
(13.3) |
(18.7) |
(13.5) |
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[16.5] |
[15.2] |
[19.5] |
[15.5] |
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Demand |
1,96,564 |
3,212 |
13,998 |
26,274 |
25,595 |
29,518 |
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Time@ |
12,54,135 |
27,698 |
1,60,481 |
1,43,571 |
1,75,574 |
1,43,342 |
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Borrowings(3) |
23,633 |
1,811 |
10,272 |
10,996 |
9,662 |
10,333 |
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Other demand and time liabilities |
1,34,610 |
–409 |
12,967 |
4,804 |
22,375 |
9,759 |
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Borrowings from Reserve Bank |
— |
— |
–3,214 |
–79 |
–3,569 |
–402 |
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Cash in hand and Balances with Reserve Bank |
79,473 |
1,913 |
4,764 |
13,571 |
–1,015 |
6,062 |
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Cash in hand |
7,890 |
–646 |
699 |
322 |
796 |
946 |
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Balances with Reserve Bank |
71,583 |
2,559 |
4,065 |
13,248 |
–1,811 |
5,116 |
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Assets with the Banking System |
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Balance with other Banks(4) |
16,654 |
968 |
–555 |
–534 |
758 |
–784 |
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Money at call and short notice |
19,456 |
–350 |
3,439 |
–12,679 |
6,391 |
–10,608 |
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Advances to Banks |
8,836 |
–260 |
1,349 |
1,690 |
771 |
1,915 |
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Other assets |
2,476 |
–179 |
–254 |
–73 |
216 |
57 |
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Investments(5) |
6,66,329 |
17,909 |
98,656 |
1,18,784 |
1,07,377 |
1,29,404 |
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(2.8) |
(22.5) |
(21.7) |
(25.0) |
(24.1) |
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Government securities |
6,39,373 |
17,979 |
1,01,355 |
1,15,956 |
1,10,566 |
1,26,842 |
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Other approved securities |
26,956 |
–70 |
–2,698 |
2,827 |
–3,189 |
2,562 |
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Bank Credit |
8,01,253 |
20,680 |
1,17,205 |
72,037 |
1,38,385 |
94,325 |
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(2.6) |
(19.9) |
(9.9) |
(24.3) |
(13.3) |
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Food Credit |
35,864 |
–488 |
–3,531 |
–13,615 |
–4,233 |
–14,583 |
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Non-food credit |
7,65,388 |
21,168 |
1,20,736 |
85,652 |
1,42,618 |
1,08,908 |
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Loans, cash-credit and overdrafts |
7,52,541 |
18,767 |
1,14,559 |
70,468 |
1,33,514 |
90,375 |
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Inland bills- purchased |
6,303 |
121 |
53 |
718 |
224 |
1,218 |
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discounted(6) |
20,826 |
1,000 |
1,650 |
642 |
1,749 |
893 |
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Foreign bills-purchased |
9,627 |
605 |
217 |
–123 |
824 |
322 |
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discounted |
11,957 |
188 |
727 |
332 |
2,075 |
1,516 |
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Cash-Deposit Ratio |
5.48 |
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Investment-Deposit Ratio |
45.93 |
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Credit-Deposit Ratio |
55.23 |
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@ |
: Includes Rs.25,662 crore on account of proceeds from India Millennium Deposits (IMDs), since November 17, 2000. Data also reflect redemption |
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of Resurgent India Bonds (RIBs) of Rs.22,693 crore, since October 1, 2003. |
Figures in italics are percentage variations net of RIBs and IMDs as |
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the case may be. |
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(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 |
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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 |
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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 |
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which are given separately in Table No. 5. (6) Excludes bills rediscounted with the Reserve Bank of India. |
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Figures in brackets denote percentage variation in the relevant period. |
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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. |
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2. Includes the impact of mergers since May 3, 2002. |