Table 4 : Bank Group-Wise Liabilities and Assets of Scheduled Commercial Banks : 1999 and 2000 - ربی - Reserve Bank of India
Table 4 : Bank Group-Wise Liabilities and Assets of Scheduled Commercial Banks : 1999 and 2000
| | | | | | | | | | | | (Amount in Rs. lakh) | ||
As on March 31 | ||||||||||||||
Items | State Bank of India | Nationalised | Other Scheduled | Foreign | Regional Rural | Total | ||||||||
and its Associates | Banks | Commercial Banks | Banks | Banks | | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||
| | | (1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) | (9) | (10) | (11) | (12) |
Number of reporting banks | 8 | 8 | 19 | 19 | 33 | 32 | 44 | 42 | 196 | 192 | 300 | 293 | ||
Liabilities | ||||||||||||||
1. | Capital | 103580 | 103580 | 1336983 | 1319788 | 172390 | 197204 | 207202 | 240483 | 164422 | 185425 | 1984577 | 2046480 | |
2. | Reserves and Surplus | 1216929 | 1448375 | 1527732 | 1733498 | 422019 | 634216 | 512535 | 567325 | 42041 | 80629 | 3721256 | 4464043 | |
2.1. Statutory Reserves | 601830 | 776009 | 394347 | 458417 | 132526 | 172241 | 114789 | 137486 | 30863 | 1285533 | 1575016 | |||
(i) | Opening balance | 505244 | 601830 | 336040 | 383779 | 107290 | 131147 | 99837 | 112882 | 21119 | 1090452 | 1250757 | ||
(ii) | Additions during the year | 96586 | 174179 | 65807 | 74638 | 25236 | 41094 | 14952 | 24604 | 9744 | 202581 | 324259 | ||
(iii) | Deductions during the year | | | 7500 | | | | | | | 7500 | | ||
2.2. Capital Reserves | 5385 | 6172 | 285839 | 318705 | 26413 | 27963 | 143140 | 96018 | 2964 | 460777 | 451822 | |||
(i) | Opening balance | 32367 | 5385 | 320168 | 327051 | 29995 | 14135 | 138164 | 94284 | 2964 | 520694 | 443819 | ||
(ii) | Additions during the year | | 787 | 24757 | 6612 | 647 | 14476 | 9145 | 1869 | | 34549 | 23744 | ||
(iii) | Deductions during the year | 26982 | | 59086 | 14958 | 4229 | 648 | 4169 | 135 | | 94466 | 15741 | ||
2.3. Share Premium | 408410 | 386347 | 225585 | 206177 | 103311 | 211582 | 14883 | | 1984 | 752189 | 806090 | |||
(i) | Opening balance | 401868 | 386347 | 234978 | 198173 | 93975 | 104771 | 11092 | | 1984 | 741913 | 691275 | ||
(ii) | Additions during the year | 6542 | | 12207 | 9467 | 12435 | 108631 | 3799 | | | 34983 | 118098 | ||
(iii) | Deductions during the year | | | 21600 | 1463 | 3099 | 1820 | 8 | | | 24707 | 3283 | ||
2.4. Revenue and other Reserves | 201267 | 279811 | 606073 | 702664 | 134523 | 197155 | 74611 | 154896 | 40093 | 1016474 | 1374619 | |||
(i) | Opening balance | 174111 | 223330 | 521029 | 607990 | 121648 | 146070 | 92079 | 157450 | 29478 | 908867 | 1164318 | ||
(ii) | Additions during the year | 27497 | 56481 | 146815 | 105137 | 32552 | 59008 | 15592 | 27958 | 10860 | 222456 | 259444 | ||
(iii) | Deductions during the year | 341 | | 61771 | 10463 | 19677 | 7923 | 33060 | 30512 | 245 | 114849 | 49143 | ||
2.5. Balance of Profit | 37 | 36 | 15888 | 47535 | 25246 | 25275 | 165112 | 178925 | 4725 | 206283 | 256496 | |||
3. | Deposits (3.1+3.2+3.3) | 21927697 | 25628802 | 41758314 | 48102497 | 8650622 | 11366966 | 4745334 | 4932416 | 2700786 | 3147940 | 79782753 | 93178621 | |
3.1. Demand deposits [(i)+(ii)] | 3921700 | 4541531 | 5015833 | 5704054 | 1101103 | 1622885 | 915634 | 1065442 | 137325 | 146908 | 11091595 | 13080820 | ||
(i) | From banks | 574859 | 662112 | 219995 | 247393 | 35335 | 59342 | 40920 | 35870 | | 3340 | 871109 | 1008057 | |
(ii) | From others | 3346841 | 3879419 | 4795838 | 5456661 | 1065768 | 1563543 | 874714 | 1029572 | 137325 | 143568 | 10220486 | 12072763 | |
3.2. Savings bank deposits | 4591878 | 5519763 | 9921485 | 11593230 | 924423 | 1252127 | 387845 | 486175 | 1106560 | 1242756 | 16932191 | 20094051 | ||
3.3. Time deposits [(i)+(ii)] | 13414119 | 15567508 | 26820996 | 30805213 | 6625096 | 8491954 | 3441855 | 3380799 | 1456901 | 1758276 | 51758967 | 60003750 | ||
(i) | From banks | 665904 | 652137 | 1490520 | 1721847 | 990919 | 1375673 | 352697 | 349474 | 16361 | 20864 | 3516401 | 4119995 | |
(ii) | From others | 12748215 | 14915371 | 25330476 | 29083366 | 5634177 | 7116281 | 3089158 | 3031325 | 1440540 | 1737412 | 48242566 | 55883755 | |
3.A. Deposits of branches in India | 21048989 | 24710568 | 40518355 | 45893800 | 8626286 | 11347100 | 4745333 | 4932417 | 2700786 | 3147939 | 78518458 | 90031824 | ||
3.B. Deposits of branches outside India | 878709 | 918234 | 1239959 | 2208696 | 24337 | 19866 | | | | | 1264296 | 3146796 | ||
Total (3.A.+3.B.) | 21927697 | 25628802 | 41758314 | 48102497 | 8650622 | 11366966 | 4745334 | 4932416 | 2700786 | 3147940 | 79782753 | 93178620 | ||
4. | Borrowings | 1021708 | 1060895 | 815033 | 886506 | 552178 | 704668 | 1635902 | 1883903 | 369251 | 370565 | 4394072 | 4906537 | |
4.1. | Borrowings in India | 162988 | 309414 | 732936 | 840475 | 541195 | 679837 | 1503066 | 1762292 | 369251 | 370565 | 3309436 | 3962583 | |
(i) From Reserve Bank of India | 19884 | 88457 | 167506 | 354193 | 152091 | 186521 | 260800 | 319536 | 2357 | 2581 | 602638 | 951288 | ||
(ii) From other banks | 3360 | 16106 | 48876 | 46457 | 150832 | 201981 | 911282 | 978893 | 55285 | 98788 | 1169635 | 1342225 | ||
(iii) From other institutions and agencies | 139744 | 204851 | 516554 | 439825 | 238272 | 291335 | 330984 | 463863 | 311609 | 269196 | 1537163 | 1669070 | ||
4.2. | Borrowings outside India | 858720 | 751481 | 82097 | 46031 | 10983 | 24831 | 132836 | 121611 | | | 1084636 | 943954 | |
5. | Other liabilities and provisions | 4320462 | 5391002 | 3003650 | 3420230 | 563183 | 753595 | 561339 | 660857 | 309803 | 340123 | 8758437 | 10565807 | |
(i) | Bills Payable | 1353762 | 1301200 | 822505 | 804535 | 163379 | 195943 | 121858 | 138967 | 16154 | 15910 | 2477658 | 2456555 | |
(ii) | Inter-office adjustments | 122002 | 55858 | 297923 | 274091 | 41605 | 64941 | 21091 | 38416 | 19401 | 20866 | 502022 | 454172 | |
(iii) | Interest accrued | 1380252 | 1745408 | 423761 | 609491 | 97073 | 115403 | 140793 | 100285 | 88886 | 115207 | 2130765 | 2685794 | |
| (iv) | Others (including provisions) | 1464446 | 2288536 | 1459461 | 1732113 | 261126 | 377308 | 277597 | 383189 | 185362 | 188140 | 3647992 | 4969286 |
Total Liabilities | 28590376 | 33632656 | 48441712 | 55462517 | 10360392 | 13656649 | 7662312 | 8284984 | 3586303 | 4124682 | 986410951 | 15161488 | ||
6. | Cash and balances with RBI | 2337923 | 2521355 | 4514281 | 4556934 | 857964 | 1065819 | 424038 | 392988 | 132077 | 147513 | 8266283 | 8684609 | |
6.1. | Cash in hand | 68955 | 76029 | 304907 | 340929 | 70215 | 88053 | 14122 | 17840 | 47938 | 51525 | 506137 | 574376 | |
6.2. | Balances with RBI | 2268968 | 2445326 | 4209374 | 4216005 | 787749 | 977766 | 409916 | 375148 | 84139 | 95988 | 7760146 | 8110233 | |
(i) in current account | 2268968 | 2445326 | 4208881 | 4215512 | 787749 | 977766 | 409873 | 375148 | 84139 | 94525 | 7759610 | 8108277 | ||
(ii) in other account | | | 493 | 493 | | | 43 | | | 1463 | 536 | 1956 | ||
7. | Balances with banks and money | 3924328 | 3185342 | 3177492 | 3268504 | 863266 | 1058778 | 920763 | 589303 | 1221939 | 1474547 | 10107788 | 9576474 | |
at call and short notice (7.1+7.2) | ||||||||||||||
7.1. | In India (7.1.1+7.1.2) | 1442113 | 1451984 | 550836 | 819494 | 536501 | 686060 | 280711 | 155405 | 1221939 | 1474547 | 4032100 | 4587490 | |
7.1.1. Balances with banks | 251452 | 407268 | 305535 | 500226 | 411946 | 486527 | 171473 | 103971 | 1001673 | 1283394 | 2142079 | 2781386 | ||
(i) in current account | 31450 | 32948 | 224497 | 290377 | 60707 | 84604 | 77296 | 50867 | 126068 | 152804 | 520018 | 611600 | ||
(ii) in other deposit account | 220002 | 374320 | 81038 | 209849 | 351239 | 401923 | 94177 | 53104 | 875605 | 1130590 | 1622061 | 2169786 | ||
7.1.2. Money at call and short notice | 1190661 | 1044716 | 245301 | 319268 | 124555 | 199533 | 109238 | 51434 | 220266 | 191153 | 1890021 | 1806104 | ||
(i) with banks | 1182361 | 1039716 | 184351 | 185891 | 116555 | 176993 | 103843 | 50024 | 220266 | 185741 | 1807376 | 1638365 | ||
(ii) with other institutions | 8300 | 5000 | 60950 | 133377 | 8000 | 22540 | 5395 | 1410 | - | 5412 | 82645 | 167739 | ||
7.2. | Outside India (7.2.1+7.2.2) | 2482215 | 1733358 | 2626656 | 2449010 | 326765 | 372718 | 640052 | 433898 | | | 6075688 | 4988984 | |
7.2.1. Balances with banks | 617997 | 628740 | 1916839 | 1799501 | 237369 | 212924 | 499189 | 358593 | | | 3271394 | 2999758 | ||
(i) in current account | 417124 | 426004 | 221390 | 183394 | 52244 | 55205 | 95130 | 158652 | | | 785888 | 823255 | ||
(ii) in other deposit account | 200873 | 202736 | 1695449 | 1616107 | 185125 | 157719 | 404059 | 199941 | | | 2485506 | 2176503 | ||
7.2.2. Money at call and short notice | 1864218 | 1104618 | 709817 | 649509 | 89396 | 159794 | 140863 | 75305 | | | 2804294 | 1989226 | ||
8. | Investments (8.1+8.2) | 9517226 | 12112691 | 18162994 | 21228706 | 3635669 | 5079362 | 2633744 | 2966379 | 668608 | 753004 | 34618241 | 42140142 | |
8.1 | In India in | 9248181 | 11792697 | 17688511 | 20707748 | 3625145 | 5071440 | 2633744 | 2966379 | 668608 | 753004 | 33864189 | 41291268 | |
(i) Government securities | 7016300 | 9122581 | 11877596 | 14412799 | 2207269 | 3176838 | 1687068 | 1865493 | 66176 | 22788233 | 28643887 | |||
(ii) Other approved securities | 825425 | 755471 | 1730651 | 1590962 | 151700 | 128273 | 30270 | 26233 | 89523 | 2738046 | 2590462 | |||
(iii) Shares | 117931 | 133798 | 201694 | 226093 | 141438 | 241086 | 13082 | 7123 | 2578 | 474145 | 610678 | |||
(iv) Debentures and Bonds | 918084 | 1297121 | 3357293 | 3884695 | 930294 | 1258823 | 830287 | 951881 | 407637 | 6035958 | 7800157 | |||
(v) Subsidiaries and/or joint ventures | 107038 | 113846 | 94621 | 124126 | 3113 | 4580 | 5 | 10 | 17541 | 204777 | 260103 | |||
(vi) Others | 263403 | 369880 | 426656 | 469073 | 191331 | 261840 | 73032 | 115639 | 169549 | 954422 | 1385981 | |||
8.2 | Outside India in | 269045 | 319994 | 474483 | 520958 | 10524 | 7922 | | | | | 754052 | 848874 | |
(i) Government securities | 18524 | 32093 | 202585 | 215065 | 10440 | 7407 | | | | | 231549 | 254565 | ||
(ii) Subsidiaries and/or joint ventures | 49677 | 50840 | 18211 | 18759 | | 395 | | | | | 67888 | 69994 | ||
(iii) Others | 200844 | 237061 | 253687 | 287134 | 84 | 120 | | | | | 454615 | 524315 | ||
9. | Advances | 10842511 | 12903364 | 18892515 | 22307567 | 4271317 | 5574220 | 2950674 | 3561718 | 1055757 | 1221272 | 38012774 | 45568141 | |
9A. | (i) Bills Purchased and discounted | 992949 | 1178485 | 1503225 | 1646388 | 886861 | 1014586 | 354013 | 467050 | 8469 | 13997 | 3745517 | 4320506 | |
(ii) Cash credits, overdrafts and loans | 6357352 | 7526764 | 10660025 | 12359972 | 2171958 | 2915399 | 1170699 | 1356047 | 383610 | 462967 | 20743644 | 24621149 | ||
repayable on demand | ||||||||||||||
(iii) Term loans | 3492210 | 4198115 | 6729265 | 8301207 | 1212498 | 1644235 | 1425962 | 1738621 | 663678 | 744308 | 13523613 | 16626486 | ||
Total | 10842511 | 12903364 | 18892515 | 22307567 | 4271317 | 5574220 | 2950674 | 3561718 | 1055757 | 1221272 | 38012774 | 45568141 | ||
9B. | (i) Secured by tangible assets | 9231981 | 10734400 | 15606036 | 18195050 | 3291176 | 4275954 | 1788852 | 1997974 | 888931 | 1085195 | 30806976 | 36288573 | |
(ii) Covered by Bank/ Government | 998510 | 1469142 | 1490514 | 1941755 | 645388 | 665273 | 354990 | 287253 | 43820 | 55506 | 3533222 | 4418929 | ||
Guarantees | ||||||||||||||
(iii) Unsecured | 612021 | 699822 | 1795964 | 2170762 | 334753 | 632993 | 806832 | 1276491 | 123006 | 80571 | 3672576 | 4860639 | ||
Total | 10842511 | 12903365 | 18892514 | 22307567 | 4271317 | 5574220 | 2950674 | 3561718 | 1055757 | 1221272 | 38012774 | 45568141 | ||
9C.I.Advances in India | 9712287 | 11627406 | 17438523 | 20718917 | 4257118 | 5558055 | 2950537 | 3561564 | 1055757 | 1221271 | 35414222 | 42687213 | ||
(i) Priority sectors | 3308578 | 3760714 | 6062552 | 7060191 | 1205393 | 1476061 | 651624 | 761403 | 783215 | 933931 | 12011362 | 13992300 | ||
(ii) Public sectors | 1725672 | 1439619 | 2221982 | 3213760 | 245142 | 286945 | 19313 | 51846 | 142 | 3553 | 4212251 | 4995723 | ||
(iii) Banks | 52427 | 42962 | 47552 | 50351 | 257755 | 97777 | 9506 | 43662 | - | 728 | 367240 | 235480 | ||
(iv) Others | 4625610 | 6384111 | 9106437 | 10394615 | 2548828 | 3697272 | 2270094 | 2704653 | 272400 | 283059 | 18823369 | 23463710 | ||
9C.II. Advances outside India | 1130224 | 1275957 | 1453992 | 1588653 | 14198 | 16165 | 137 | 154 | | | 2598551 | 2880929 | ||
(i) Due from Banks | 13194 | 137551 | 224416 | 372923 | | | | 40 | | | 237610 | 510514 | ||
(ii) Due from others | 1117030 | 1138406 | 1229576 | 1215730 | 14198 | 16165 | 137 | 114 | | | 2360941 | 2370415 | ||
a) Bills purchased and | ||||||||||||||
discounted | 274937 | 228305 | 153181 | 162736 | 2152 | 2830 | | | | | 430270 | 393871 | ||
b) Syndicate loans | 258144 | 237763 | 285402 | 295177 | | | | | | | 543546 | 532940 | ||
c) Others | 583949 | 672338 | 790993 | 757817 | 12046 | 13335 | 137 | 114 | | | 1387125 | 1443604 | ||
Total (9CI+9CII) | 10842511 | 12903364 | 18892515 | 22307567 | 4271317 | 5574220 | 2950674 | 3561718 | 1055757 | 1221272 | 38012774 | 45568141 | ||
10. | Fixed Assets (10.1+10.2+10.3) | 258925 | 289329 | 681358 | 712649 | 280169 | 315286 | 229565 | 230763 | 5530 | 6371 | 1455547 | 1554398 | |
10.1 | Premises | 159245 | 67275 | 527231 | 527431 | 177860 | 128148 | 155062 | 142110 | 381 | 1024928 | 865345 | ||
(i) At cost as on 31st March of the | ||||||||||||||
preceding year | 110301 | 85341 | 519417 | 522805 | 248206 | 106773 | 144616 | 149603 | 439 | 1022540 | 864961 | |||
(ii) Additions during the year | 81626 | 9684 | 106568 | 113887 | 31052 | 38608 | 23412 | 9425 | 3 | 242658 | 171607 | |||
(iii) Deductions during the year | 765 | 409 | 889 | 948 | 8180 | 2265 | 3219 | 5750 | | 13053 | 9372 | |||
(iv) Depreciation to date | 31917 | 27341 | 97865 | 108313 | 93218 | 14968 | 9747 | 11168 | 61 | 232747 | 161851 | |||
10.2 | Assets under construction | 23549 | 26868 | 2448 | 5491 | 2373 | 5990 | 5790 | 2586 | 45 | 34160 | 40980 | ||
10.3 | Other Fixed assets | 76131 | 195186 | 151679 | 179727 | 99936 | 181148 | 68713 | 86067 | 5945 | 396459 | 648073 | ||
(i) At cost as on 31st March of the | ||||||||||||||
preceding year | 160200 | 298073 | 307436 | 386481 | 129663 | 306505 | 105639 | 141768 | 10244 | 702938 | 1143071 | |||
(ii) Additions during the year | 34036 | 63514 | 63862 | 73140 | 31569 | 62141 | 33670 | 33233 | 1901 | 163137 | 233929 | |||
(iii) Deductions during the year | 2423 | 2581 | 5963 | 6877 | 2083 | 13100 | 5748 | 16156 | 150 | 16217 | 38864 | |||
(iv) Depreciation to date | 115682 | 163820 | 213656 | 273017 | 59213 | 174398 | 64848 | 72778 | 6050 | 453399 | 690063 | |||
11. | Other Assets | 1709463 | 2620573 | 3013068 | 3388160 | 452008 | 563183 | 503528 | 543835 | 502391 | 521977 | 6180458 | 7637728 | |
(i) | Inter - office adjustments (net) | 40727 | 905635 | 256239 | 252854 | 24684 | 10527 | 29075 | 23866 | 31744 | 25950 | 382469 | 1218832 | |
(ii) | Interest accrued | 444554 | 578533 | 698326 | 838622 | 122917 | 181081 | 101949 | 112352 | 122308 | 157531 | 1490054 | 1868119 | |
(iii) | Tax paid in advance/tax deducted | |||||||||||||
at source | 280648 | 252401 | 479134 | 520338 | 64166 | 74518 | 66668 | 70648 | | 2066 | 890616 | 919971 | ||
(iv) | Stationery and Stamps | 9163 | 9438 | 32682 | 9966 | 1998 | 2164 | 374 | 2250 | | 1581 | 44217 | 25399 | |
| (v) | Others, if any | 934371 | 874566 | 1546687 | 1766380 | 238243 | 294893 | 305462 | 334719 | 348339 | 334849 | 3373102 | 3605407 |
| Total Assets | 28590376 | 33632656 | 48441708 | 55462517 | 10360392 | 13656649 | 7662312 | 8284984 | 3586303 | 4124682 | 98641095 | 115161488 |
Note |
The figures given in column (11) for the break-up of ‘Reserves and Surplus’ are exclusive of data for Regional Rural Banks. |
Source : Annual accounts of banks of respective years. |