3. Scheduled Commercial Banks - Business in India

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ਤਾਰੀਖ: ਅਕਤੂਬਰ 30, 2004

							(Rs. crore)

		Outstanding			Variation over
		as on
				Financial year so far		Year-on-year
*Item*		2004
			Fortnight
		Oct. 15#		2003-2004	2004-2005	2003	2004
1		2	3	4	5	6	7
Liabilities to the Banking System
	Demand and time deposits from Banks	35,274	–71	–4,283	–1,559	–2,751	–897
	Borrowings from Banks ⁽¹⁾	26,909	10,482	–3,496	11,883	–3,935	10,767
	Other demand and time liabilities⁽²⁾	3,223	–936	565	596	778	404
Liabilities to Others
	Aggregate deposits@	16,05,233	4,218	1,04,161	1,00,817	1,44,732	2,20,219
			(0.3)	(8.1)	(6.7)	(11.7)	(15.9)
	Demand	2,31,326	4,839	17,282	6,304	30,657	43,754
	Time@	13,73,907	–621	86,878	94,513	1,14,075	1,76,465
		[13,70,338]	[–4,190]		[90,944]		[1,72,896]
	Borrowings⁽³⁾	64,815	34,448	6,696	40,145	10,289	45,482
	Other demand and time liabilities	1,60,073	4,161	4,954	11,989	21,260	25,312
Borrowings from Reserve Bank		—	—	22	—	93	–101

Cash in hand and Balances with Reserve Bank		92,528	2,224	4,791	15,633	3,278	21,835
	Cash in hand	8,161	–667	1,413	263	2,140	–820
	Balances with Reserve Bank	84,367	2,891	3,378	15,370	1,138	22,654

Assets with the Banking System
	Balance with other Banks⁽⁴⁾	17,276	43	–192	315	–479	280
	Money at call and short notice	22,022	–758	–9,302	3,965	–11,860	–810
	Advances to Banks	9,408	–1,686	1,421	–1,115	1,876	841
	Other assets	2,145	–132	205	–492	297	–610
Investments ⁽⁵⁾		7,07,812	2,790	86,859	30,224	1,18,769	73,408
			(0.4)	(15.9)	(4.5)	(23.0)	(11.6)
	Government securities	6,81,418	2,883	87,548	26,660	1,20,562	70,453
		[6,69,225]	[–9,310]		[14,467]		[58,260]
	Other approved securities	26,394	–93	–689	3,564	–1,794	2,954

Bank Credit		9,71,018	35,113	24,615	1,30,233	80,993	2,17,187
			(3.8)	(3.4)	(15.5)	(12.0)	(28.8)
	Food Credit	35,959	–2,679	–15,328	–2	–18,554	1,808
	Non-food credit	9,35,058	37,792	39,943	1,30,235	99,546	2,15,379
		[9,02,376]	[5,110]		[97,553]		[1,82,697]
	Loans, cash-credit and overdrafts	9,17,657	34,566	26,768	1,28,417	78,428	2,08,816
	Inland bills- purchased	7,498	785	1,323	529	2,068	591
	discounted⁽⁶⁾	22,395	–382	–2,007	665	308	4,218
	Foreign bills-purchased	9,746	–150	–1,119	–367	–819	1,116
	discounted	13,721	294	–350	989	1,008	2,447
*Cash-Deposit Ratio*		*5.76*
*Investment-Deposit Ratio*		*44.09*
*Credit-DepositRatio*		*60.49*

@ : 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.