3. Scheduled Commercial Banks - Business in India

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ਤਾਰੀਖ: ਮਾਰਚ 05, 2005

							(Rs. crore)

		Outstanding			Variation over
		as on
				Financial year so far		Year-on-year
*Item*		2005
			Fortnight
		Feb. 18#		2003-2004	2004-2005	2004	2005
1		2	3	4	5	6	7
Liabilities to the Banking System
	Demand and time deposits from Banks	35,346	–303	–3,363	–1,487	–456	–1,745
	Borrowings from Banks ⁽¹⁾	27,108	397	–6,548	12,081	–5,461	14,018
	Other demand and time liabilities⁽²⁾	3,742	654	138	1,115	462	1,350
Liabilities to Others
	Aggregate deposits@	16,83,014	9,672	1,89,983	1,78,598	1,97,895	2,12,177
			(0.6)	(14.8)	(11.9)	(15.5)	(14.4)
	Demand	2,38,519	–214	31,997	13,496	37,725	36,232
	Time@	14,44,495	9,886	1,57,986	1,65,101	1,60,171	1,75,945
		[14,40,926]			[1,61,532]		[1,72,376]
	Borrowings⁽³⁾	65,681	985	10,597	41,011	12,070	42,446
	Other demand and time liabilities	1,66,462	–1,165	9,400	18,378	15,237	27,256
Borrowings from Reserve Bank		—	—	–79	—	–5	—

Cash in hand and Balances with Reserve Bank		97,874	–3,690	13,017	20,979	9,900	18,955
	Cash in hand	8,614	–115	250	716	1,037	796
	Balances with Reserve Bank	89,260	–3,575	12,767	20,263	8,863	18,159

Assets with the Banking System
	Balance with other Banks⁽⁴⁾	17,851	686	–767	890	–242	1,430
	Money at call and short notice	21,922	1,037	–16,395	3,864	–12,175	6,182
	Advances to Banks	9,208	–132	3,083	–1,315	3,400	–1,021
	Other assets	2,447	220	–130	–190	72	28
Investments ⁽⁵⁾		7,23,027	11,001	1,27,481	45,440	1,30,880	48,001
			(1.5)	(23.3)	(6.7)	(24.1)	(7.1)
	Government securities	6,97,582	11,130	1,28,381	42,824	1,31,988	45,784
		[6,85,389]			[30,632]		[33,592]
	Other approved securities	25,445	–129	–900	2,615	–1,108	2,216

Bank Credit		10,56,210	5,461	83,247	2,15,425	1,02,980	2,43,747
			(0.5)	(11.4)	(25.6)	(14.5)	(30.0)
	Food Credit	41,482	–1,466	–14,211	5,521	–14,959	6,214
	Non-food credit	10,14,728	6,927	97,458	2,09,904	1,17,939	2,37,533
		[9,82,045]			[1,77,221]		[2,04,851]
	Loans, cash-credit and overdrafts	9,97,717	5,153	80,763	2,08,476	98,769	2,34,881
	Inland bills- purchased	7,112	–34	1,294	143	1,831	234
	discounted⁽⁶⁾	25,518	406	123	3,789	221	5,212
	Foreign bills-purchased	10,643	–45	–183	530	25	1,077
	discounted	15,219	–20	1,251	2,486	2,133	2,344
*Cash-Deposit Ratio*		*5.82*
*Investment-Deposit Ratio*		*42.96*
*Credit-DepositRatio*		*62.76*

@ : 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.