Table 4 : Bank Group-Wise Liabilities and Assets of Scheduled Commercial Banks in India - 1997-98 - ربی - Reserve Bank of India
Table 4 : Bank Group-Wise Liabilities and Assets of Scheduled Commercial Banks in India - 1997-98
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(Amount in Rs. lakh) |
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As on 31st March |
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Items |
State Bank of India |
Nationalised Banks |
Other Scheduled |
Foreign Banks |
Regional Rural Banks |
Total |
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and its Associates |
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Commercial Banks |
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1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
||||
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|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
Number of reporting banks |
8 |
8 |
19 |
19 |
34 |
34 |
33 |
42 |
190 |
196 |
284 |
299 |
|||
Liabilities |
|||||||||||||||
1. |
Capital |
100720 |
103580 |
1286235 |
1503480 |
128889 |
168902 |
102075 |
177976 |
70348 |
129612 |
1688267 |
2083550 |
||
2. |
Reserves and Surplus |
880608 |
1099968 |
1058295 |
1369869 |
260914 |
359953 |
513691 |
570590 |
19238 |
31157 |
2732746 |
3431537 |
||
2.1. |
Statutory Reserves |
335838 |
505244 |
246353 |
317973 |
73225 |
107385 |
78773 |
100105 |
734189 |
1030707 |
||||
(i) |
Opening balance |
209363 |
335838 |
185274 |
246352 |
50556 |
74678 |
64932 |
79417 |
510125 |
736285 |
||||
(ii) |
Additions during the year |
126475 |
169406 |
61079 |
71621 |
22669 |
32707 |
13841 |
20688 |
224064 |
294422 |
||||
(iii) |
Deductions during the year |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
||||
2.2. |
Capital Reserves |
7879 |
33200 |
266542 |
387567 |
12796 |
15005 |
147219 |
125617 |
434436 |
561389 |
||||
(i) |
Opening balance |
4897 |
7879 |
254408 |
306623 |
11923 |
12470 |
122972 |
118338 |
394200 |
445310 |
||||
(ii) |
Additions during the year |
2982 |
25321 |
19444 |
87351 |
1284 |
2993 |
24297 |
7960 |
48007 |
123625 |
||||
(iii) |
Deductions during the year |
- |
- |
7310 |
6407 |
411 |
458 |
50 |
681 |
7771 |
7546 |
||||
2.3. |
Share Premium |
372863 |
386347 |
148499 |
195754 |
60902 |
85366 |
- |
- |
582264 |
667467 |
||||
(i) |
Opening balance |
246723 |
372863 |
85899 |
157030 |
49034 |
63817 |
- |
- |
381656 |
593710 |
||||
(ii) |
Additions during the year |
126141 |
13484 |
75281 |
41345 |
13809 |
24222 |
- |
- |
215231 |
79051 |
||||
(iii) |
Deductions during the year |
1 |
- |
12681 |
2621 |
1941 |
2673 |
- |
- |
14623 |
5294 |
||||
2.4. |
Revenue and other Reserves |
163994 |
175124 |
394986 |
464119 |
109996 |
137316 |
127838 |
143951 |
796814 |
920510 |
||||
(i) |
Opening balance |
151200 |
165494 |
341469 |
396505 |
83141 |
126102 |
108260 |
128104 |
684070 |
816205 |
||||
(ii) |
Additions during the year |
15146 |
9630 |
57749 |
72606 |
27000 |
28106 |
29270 |
27047 |
129165 |
137389 |
||||
(iii) |
Deductions during the year |
2352 |
- |
4232 |
4992 |
145 |
16892 |
9692 |
11200 |
16421 |
33084 |
||||
2.5. |
Balance of Profit |
34 |
53 |
1915 |
4456 |
3995 |
14881 |
159861 |
200917 |
165805 |
220307 |
||||
3. |
Deposits (3.1+3.2+3.3) |
14789241 |
17360284 |
30143678 |
35812573 |
4977250 |
6951578 |
3728491 |
4287290 |
1736884 |
2218922 |
55375544 |
66630647 |
||
3.1. |
Demand deposits [(i)+(ii)] |
3220627 |
3527678 |
4265326 |
4464471 |
570026 |
792659 |
743166 |
751022 |
85507 |
108160 |
8884652 |
9643990 |
||
(i) |
From banks |
491999 |
550032 |
176736 |
195079 |
18154 |
24178 |
21876 |
25040 |
764 |
- |
709529 |
794329 |
||
(ii) |
From others |
2728628 |
2977646 |
4088590 |
4269392 |
551872 |
768481 |
721290 |
725982 |
84743 |
108160 |
8175123 |
8849661 |
||
3.2. |
Savings bank deposits |
3202929 |
3876412 |
7095623 |
8542788 |
586119 |
713332 |
271049 |
304095 |
717557 |
932947 |
11873277 |
14369574 |
||
3.3. |
Time deposits [(i)+(ii)] |
8365685 |
9956194 |
18782729 |
22805314 |
3821105 |
5445587 |
2714276 |
3232173 |
933820 |
1177815 |
34617615 |
42617083 |
||
(i) |
From banks |
307607 |
408327 |
869355 |
1216943 |
464231 |
706211 |
80549 |
142575 |
10525 |
10610 |
1732267 |
2484666 |
||
(ii) |
From others |
8058078 |
9547867 |
17913374 |
21588371 |
3356874 |
4739376 |
2633727 |
3089598 |
923295 |
1167205 |
32885348 |
40132417 |
||
3.A. |
Deposits of branches in India |
14095857 |
16606027 |
28550600 |
33906902 |
4901269 |
6951578 |
3728491 |
4287290 |
1736883 |
2218923 |
53013100 |
63970720 |
||
3.B. |
Deposits of branches |
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outside India |
693383 |
754258 |
1593079 |
1905672 |
75980 |
- |
- |
- |
- |
- |
2362442 |
2659930 |
|
Total (3.A.+3.B.) |
14789240 |
17360285 |
30143679 |
35812574 |
4977249 |
6951578 |
3728491 |
4287290 |
1736883 |
2218923 |
55375542 |
66630650 |
||
4. |
Borrowings |
797231 |
885090 |
540850 |
506869 |
191318 |
208498 |
746529 |
985465 |
290289 |
324055 |
2566217 |
2909977 |
||
4.1. |
Borrowings in India |
133636 |
118740 |
455042 |
432261 |
185966 |
200167 |
572674 |
757732 |
288941 |
324055 |
1636259 |
1832955 |
||
(i) |
From Reserve Bank of India |
6 |
- |
9165 |
25000 |
14944 |
11157 |
70507 |
52208 |
1710 |
2161 |
96332 |
90526 |
||
(ii) |
From other banks |
15563 |
2689 |
94257 |
31107 |
55732 |
40152 |
328057 |
512749 |
80017 |
47375 |
573626 |
634072 |
||
(iii) |
From other institutions and agencies |
118067 |
116051 |
351620 |
376154 |
115290 |
148858 |
174110 |
192775 |
207214 |
274519 |
966301 |
1108357 |
||
4.2. |
Borrowings outside India |
663595 |
766350 |
85808 |
74608 |
5352 |
8331 |
173855 |
227733 |
1348 |
- |
929958 |
1077022 |
||
Secured borrowings included in 4. |
123484 |
98262 |
123575 |
59974 |
8817 |
3574 |
18820 |
18834 |
66316 |
82024 |
341012 |
262668 |
|||
5. |
Other liabilities and provisions |
3867782 |
3825793 |
2161441 |
2451137 |
318302 |
417195 |
416856 |
507447 |
246228 |
260241 |
7010609 |
7461813 |
||
(i) |
Bills Payable |
1046090 |
1085003 |
763910 |
834326 |
110810 |
128428 |
107529 |
97519 |
13300 |
13187 |
2041639 |
2158463 |
||
(ii) |
Inter-office adjustments |
96492 |
39824 |
169057 |
108328 |
29887 |
37242 |
46774 |
54792 |
9283 |
12363 |
351493 |
252549 |
||
(iii) |
Interest accrued |
1009786 |
1058971 |
293662 |
347229 |
60260 |
85347 |
103510 |
142869 |
54532 |
65808 |
1521750 |
1700224 |
||
(iv) |
Others (including provisions) |
1715414 |
1641995 |
934812 |
1161254 |
117345 |
166178 |
159043 |
212267 |
169113 |
168883 |
3095727 |
3350577 |
||
Total Liabilities |
20435582 |
23274715 |
35190499 |
41643928 |
5876673 |
8106126 |
5507642 |
6528768 |
2362987 |
2963987 |
69373383 |
82517524 |
|||
6. |
Cash and balances with RBI |
1804764 |
1950605 |
3356588 |
4034008 |
552072 |
763910 |
356823 |
410498 |
88248 |
108133 |
6158495 |
7267154 |
||
6.1. |
Cash in hand |
67154 |
69087 |
265657 |
267759 |
58439 |
62775 |
9378 |
12099 |
34985 |
39468 |
435613 |
451188 |
||
6.2. |
Balances with RBI |
1737610 |
1881518 |
3090931 |
3766249 |
493633 |
701135 |
347445 |
398399 |
53263 |
68665 |
5722882 |
6815966 |
||
(i) |
in current account |
1736276 |
1881518 |
3090931 |
3766249 |
493633 |
701135 |
347445 |
398399 |
52448 |
68665 |
5720733 |
6815966 |
||
(ii) |
in other account |
1334 |
- |
- |
- |
- |
- |
- |
- |
815 |
- |
2149 |
- |
||
7. |
Balances with banks and money at |
1858411 |
2210888 |
2054755 |
2569989 |
324014 |
594888 |
434527 |
643780 |
740573 |
959382 |
5412280 |
6978927 |
||
call and short notice (7.1+7.2) |
|||||||||||||||
7.1. |
In India (7.1.1+7.1.2) |
288918 |
341427 |
634527 |
566638 |
252037 |
355504 |
122646 |
146083 |
740573 |
959382 |
2038701 |
2369034 |
||
7.1.1. Balances with banks |
87418 |
200227 |
299951 |
300854 |
216100 |
304221 |
70611 |
70116 |
590848 |
811646 |
1264928 |
1687064 |
|||
(i) in current account |
27192 |
38382 |
188279 |
219992 |
50079 |
59317 |
59901 |
53172 |
93509 |
98378 |
418960 |
469241 |
|||
(ii) in other deposit account |
60226 |
161845 |
111672 |
80862 |
166021 |
244904 |
10710 |
16944 |
497339 |
713268 |
845968 |
1217823 |
|||
7.1.2. Money at call and short notice |
201500 |
141200 |
334576 |
265784 |
35937 |
51283 |
52035 |
75967 |
149725 |
147736 |
773773 |
681970 |
|||
(i) with banks |
195500 |
136100 |
271360 |
201787 |
34037 |
41458 |
52035 |
75473 |
146832 |
147736 |
699764 |
602554 |
|||
(ii) with other institutions |
6000 |
5100 |
63216 |
63997 |
1900 |
9825 |
- |
494 |
2893 |
- |
74009 |
79416 |
|||
7.2. |
Outside India (7.2.1+7.2.2) |
1569493 |
1869461 |
1420228 |
2003351 |
71977 |
239384 |
311881 |
497697 |
- |
- |
3373579 |
4609893 |
||
7.2.1. Balances with banks |
255436 |
290399 |
1001685 |
1449172 |
57024 |
149007 |
285396 |
374214 |
- |
- |
1599541 |
2262792 |
|||
(i) in current account |
88373 |
94248 |
135276 |
132947 |
23172 |
36221 |
107335 |
135499 |
- |
- |
354156 |
398915 |
|||
(ii) in other deposit account |
167063 |
196151 |
866409 |
1316225 |
33852 |
112786 |
178061 |
238715 |
- |
- |
1245385 |
1863877 |
|||
7.2.2. Money at call and short notice |
1314057 |
1579062 |
418543 |
554179 |
14953 |
90377 |
26485 |
123483 |
- |
- |
1774038 |
2347101 |
|||
8. |
Investments (8.1+8.2) |
6174585 |
7270342 |
12930889 |
15439947 |
1766753 |
2658963 |
1412944 |
1838168 |
377778 |
530983 |
22662949 |
27738403 |
||
8.1 |
In India in |
6063072 |
7048194 |
12640058 |
15067717 |
1764175 |
2645268 |
1412944 |
1838168 |
377778 |
530983 |
22258027 |
27130330 |
||
(i) |
Government securities |
4540548 |
5249212 |
8738373 |
10142166 |
1236912 |
1712052 |
1116007 |
1392580 |
15631840 |
18496010 |
||||
(ii) |
Other approved securities |
929373 |
904267 |
1833855 |
1802640 |
133281 |
136205 |
28403 |
30119 |
2924912 |
2873231 |
||||
(iii) |
Shares |
54466 |
85454 |
120573 |
178662 |
19461 |
61312 |
2302 |
31104 |
196802 |
356532 |
||||
(iv) |
Debentures and Bonds |
418000 |
583009 |
1527457 |
2453892 |
281846 |
589970 |
160609 |
322064 |
2387912 |
3948935 |
||||
(v) |
Subsidiaries and/or joint ventures |
89410 |
100982 |
72322 |
83923 |
3324 |
5096 |
2948 |
10 |
168004 |
190011 |
||||
(vi) |
Others |
31275 |
125270 |
347478 |
406434 |
89351 |
140633 |
102675 |
62291 |
570779 |
734628 |
||||
8.2 |
Outside India in |
111513 |
222148 |
290831 |
372230 |
2578 |
13695 |
- |
- |
- |
- |
404922 |
608073 |
||
(i) |
Government securities |
8666 |
15278 |
167388 |
170515 |
2577 |
12879 |
- |
- |
- |
- |
178631 |
198672 |
||
(ii) |
Subsidiaries and/or joint ventures |
32504 |
43740 |
11320 |
11371 |
- |
- |
- |
- |
- |
- |
43824 |
55111 |
||
(iii) |
Others |
70343 |
163130 |
112123 |
190344 |
1 |
816 |
- |
- |
- |
- |
182467 |
354290 |
||
9. |
Advances |
8290159 |
9756665 |
13734939 |
16233590 |
2806217 |
3544938 |
2652812 |
2929041 |
770974 |
900532 |
28255101 |
33364766 |
||
(i) |
Bills purchased and discounted |
831810 |
998070 |
1388737 |
1512826 |
536646 |
754125 |
296559 |
291013 |
8379 |
6435 |
3062131 |
3562469 |
||
(ii) |
Cash credits, overdrafts & loans |
5306256 |
5972197 |
8358596 |
9323887 |
1572107 |
1894930 |
893797 |
1075401 |
266374 |
323900 |
16397130 |
18590315 |
||
(iii) |
Term loans |
2152093 |
2786398 |
3987606 |
5396877 |
697464 |
895883 |
1462456 |
1562627 |
496221 |
570197 |
8795840 |
11211982 |
||
10. |
Fixed Assets (10.1+10.2+10.3) |
143769 |
181189 |
568802 |
642738 |
176575 |
238060 |
185618 |
198822 |
4049 |
4807 |
1078813 |
1265616 |
||
10.1 Premises |
51656 |
60322 |
434931 |
494487 |
57688 |
88550 |
137356 |
143209 |
681631 |
786568 |
|||||
(i) |
At cost as on 31st March of the preceding year |
61613 |
69506 |
405402 |
422701 |
41671 |
62346 |
112779 |
143017 |
621465 |
697570 |
||||
(ii) |
Additions during the year |
7908 |
12262 |
89081 |
146056 |
21999 |
35085 |
29540 |
8865 |
148528 |
202268 |
||||
(iii) |
Deductions during the year |
14 |
689 |
66 |
976 |
265 |
453 |
114 |
928 |
459 |
3046 |
||||
(iv) |
Depreciation to date |
17851 |
20757 |
59486 |
73294 |
5717 |
8428 |
4849 |
7745 |
87903 |
110224 |
||||
10.2 Assets under construction |
20848 |
20774 |
3621 |
2216 |
605 |
2660 |
1190 |
2272 |
26264 |
27922 |
|||||
10.3 Other Fixed assets |
71265 |
100093 |
130250 |
146035 |
118282 |
146850 |
47072 |
53341 |
366869 |
446319 |
|||||
(i) |
At cost as on 31st March of the preceding year |
104693 |
143910 |
246614 |
289720 |
121990 |
170318 |
70109 |
88601 |
543406 |
692549 |
||||
(ii) |
Additions during the year |
40503 |
48087 |
42686 |
50510 |
43785 |
53700 |
21483 |
21096 |
148457 |
173393 |
||||
(iii) |
Deductions during the year |
1286 |
2356 |
3162 |
5023 |
878 |
5283 |
2916 |
4528 |
8242 |
17190 |
||||
(iv) |
Depreciation to date |
72645 |
89548 |
155888 |
189172 |
46615 |
71885 |
41604 |
51828 |
316752 |
402433 |
||||
11. |
Other Assets |
2163896 |
1905028 |
2544526 |
2723654 |
251044 |
305363 |
464914 |
508458 |
381365 |
460150 |
5805745 |
5902653 |
||
(i) |
Inter - office adjustments (net) |
451046 |
316285 |
82600 |
191340 |
17100 |
5374 |
40104 |
53217 |
13405 |
18497 |
604255 |
584713 |
||
(ii) |
Interest accrued |
329376 |
403626 |
507996 |
598571 |
66204 |
95442 |
67764 |
83266 |
59264 |
90504 |
1030604 |
1271409 |
||
(iii) |
Tax paid in advance/ Tax deducted at source |
277740 |
193165 |
453379 |
426726 |
51253 |
54718 |
58138 |
74837 |
451 |
- |
840961 |
749446 |
||
(iv) |
Stationery and Stamps |
9032 |
9633 |
9910 |
9882 |
1714 |
1769 |
559 |
694 |
1345 |
- |
22560 |
21978 |
||
|
(v) |
Others if any |
1096702 |
982319 |
1490641 |
1497135 |
114773 |
148060 |
298349 |
296444 |
306900 |
351149 |
3307365 |
3275107 |
|
|
|
Total Assets |
20435584 |
23274717 |
35190499 |
41643926 |
5876675 |
8106122 |
5507638 |
6528767 |
2362987 |
2963987 |
69373383 |
82517524 |
Note |
: |
The figures given in columns (11) and (12) for the break-up of Reserves and Surplus are exclusive of data for Regional Rural Banks. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |