(Amount in ` Billion)

Number of reporting banks

6

6

20

20

26

26

14

13

Liabilities

1. Capital

10.97

11.53

179.58

170.96

190.55

182.50

13.73

13.16

2. Reserves and Surplus

832.97

1060.96

1879.50

2312.31

2712.47

3373.27

224.25

265.80

2.1. Statutory Reserves

393.72

439.17

464.67

552.12

858.39

991.30

58.97

69.77

2.2. Capital Reserves

19.40

19.70

249.86

254.55

269.26

274.25

7.84

8.00

2.3. Share Premium

220.35

306.50

321.95

473.38

542.29

779.88

74.85

86.80

2.4. Investment Fluctuations Reserves

0.42

0.26

7.77

6.62

8.19

6.88

2.12

2.06

2.5. Revenue and other Reserves

199.04

295.26

782.85

965.57

981.89

1260.83

74.68

89.43

2.6. Balance of Profit

0.04

0.07

52.41

60.06

52.44

60.13

5.79

9.74

3. Deposits

12458.62

14050.24

31265.86

35969.89

43724.49

50020.13

2641.57

3158.91

Type-wise

3A.1. Demand deposits

1542.90

1196.54

2558.20

2647.29

4101.09

3843.83

242.22

257.86

(i) From banks

107.05

86.50

88.98

100.43

196.03

186.93

4.42

5.31

(ii) From others

1435.85

1110.04

2469.22

2546.86

3905.07

3656.90

237.80

252.55

3A.2. Savings bank deposits

4064.45

4536.54

6765.57

7603.95

10830.01

12140.49

496.67

577.82

3A.3. Term deposits

6851.28

8317.16

21942.10

25718.65

28793.38

34035.81

1902.68

2323.23

(i) From banks

146.81

185.88

1626.73

2155.89

1773.54

2341.78

135.68

208.06

(ii) From others

6704.47

8131.27

20315.37

23562.76

27019.84

31694.03

1767.00

2115.17

Location-wise

3B.1. Deposits of branches in India

11990.81

13435.91

29667.06

33662.02

41657.87

47097.93

2641.57

3158.91

3B.2. Deposits of branches outside India

467.81

614.33

1598.80

2307.87

2066.61

2922.21

-

-

Note : $ Includes IDBI Bank Ltd.
Source : Annual accounts of banks.

TABLE 3.1 : BANK GROUP-WISE LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS
IN INDIA - 2011 AND 2012 AS ON MARCH 31 (Contd.)

(Amount in ` Billion)

4. Borrowings

1420.03

1587.82

2546.66

3030.31

3966.69

4618.12

109.67

197.79

4.1. Borrowings in India

678.42

720.45

1818.27

2012.28

2496.69

2732.73

78.53

140.40

(i) From Reserve Bank of India

16.30

6.60

166.70

320.29

183.00

326.89

5.79

22.51

(ii) From other banks

90.53

93.72

99.85

53.04

190.38

146.76

5.88

9.17

(iii) From other institutions and agencies

571.60

620.13

1551.71

1638.95

2123.31

2259.08

66.86

108.72

4.2. Borrowings outside India

741.60

867.37

728.39

1018.03

1470.00

1885.39

31.14

57.40

Secured borrowings included in 4

79.40

58.93

253.78

324.96

333.18

383.89

0.03

11.72

5. Other liabilities and provisions

1254.25

1001.59

1091.62

1184.21

2345.87

2185.79

100.88

114.48

5.1. Bills payable

265.04

251.18

154.18

144.44

419.22

395.61

17.63

17.19

5.2. Inter-office adjustment

216.89

-

12.75

12.24

229.63

12.24

3.45

2.99

5.3. Interest accrued

115.36

149.76

134.94

165.98

250.30

315.75

12.46

16.58

5.4. Subordinate debt.

-

-

-

-

-

-

-

-

5.5. Deferred tax liabilities

0.47

1.39

12.78

21.52

13.26

22.91

1.94

2.89

5.6. Others (including provisions)

656.49

599.26

776.97

840.03

1433.46

1439.29

65.39

74.83

Total Liabilities

15976.84

17712.14

36963.22

42667.68

52940.06

60379.82

3090.11

3750.15

6. Cash and balances with RBI

1192.34

790.59

2331.45

2009.33

3523.79

2799.92

181.73

167.41

6.1. Cash in hand

90.62

129.42

119.30

148.18

209.92

277.59

21.67

23.89

6.2. Balances with RBI

1101.72

661.17

2212.15

1861.15

3313.87

2522.33

160.06

143.52

(i) In current account

1101.69

661.15

2209.41

1857.57

3311.10

2518.72

160.06

143.52

(ii) In other account

0.03

0.03

2.74

3.58

2.77

3.61

-

-

7. Balances with banks in India and
money at call and short notice

339.79

482.30

910.99

1277.62

1250.78

1759.93

39.08

70.52

7.1. In India

83.79

154.81

292.63

442.33

376.42

597.14

33.85

61.24

7.1.1. Balances with banks

39.00

57.51

131.82

215.19

170.82

272.70

27.59

36.06

(i) In current account

14.08

9.66

45.99

57.69

60.07

67.35

6.02

7.74

(ii) In other deposit accounts

24.91

47.86

85.83

157.50

110.75

205.36

21.56

28.32

7.1.2. Money at call and short notice

44.79

97.29

160.81

227.14

205.60

324.44

6.27

25.18

(i) with banks

27.69

74.23

149.68

179.68

177.37

253.90

6.27

5.45

(ii) with other institutions

17.10

23.07

11.13

47.47

28.23

70.53

-

19.73

7.2. Outside India

256.00

327.50

618.35

835.29

874.35

1162.79

5.23

9.27

7.2.1. Balances with banks

138.95

243.62

455.21

602.71

594.16

846.33

3.26

5.09

(i) In current account

126.35

239.40

127.75

178.46

254.10

417.86

2.37

3.81

(ii) In other deposit accounts

12.60

4.22

327.46

424.25

340.06

428.47

0.89

1.27

7.2.2. Money at call and short notice

117.05

83.88

163.14

232.59

280.19

316.46

1.97

4.19

Note : $ Includes IDBI Bank Ltd.
Source : Annual accounts of banks.

TABLE 3.1 : BANK GROUP-WISE LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS
IN INDIA - 2011 AND 2012 AS ON MARCH 31 (Contd.)

(Amount in ` Billion)

8. Investments

3856.97

4173.22

9503.80

10867.54

13360.76

15040.76

926.55

1093.33

8.1. Investment in India in

3756.83

4061.45

9372.73

10725.46

13129.56

14786.92

926.55

1093.33

(i) Government securities

3096.59

3494.45

7648.88

8999.91

10745.47

12494.36

646.41

785.48

(ii) Other approved securities

5.39

0.20

22.98

9.69

28.37

9.89

0.51

0.18

(iii) Shares

94.97

41.14

147.82

158.36

242.80

199.51

8.62

10.78

(iv) Debentures and Bonds

182.79

143.66

401.41

512.95

584.21

656.61

43.38

56.66

(v) Subsidiaries and/or joint ventures

48.86

54.92

40.75

41.04

89.62

95.96

2.19

3.98

(vi) Others

328.22

327.08

1110.87

1003.51

1439.09

1330.59

225.43

236.26

8.2. Investment outside India in

100.14

111.77

131.07

142.08

231.20

253.85

-

-

(i) Government securities

22.39

18.66

59.28

66.70

81.67

85.36

-

-

(ii) Subsidiaries and/or joint ventures

16.03

16.03

14.91

20.53

30.94

36.56

-

-

(iii) Others

61.72

77.08

56.88

54.85

118.59

131.93

-

-

9. Advances

9941.54

11519.91

23102.79

27263.21

33044.33

38783.12

1846.47

2300.95

Type-wise

9A. (i) Bills purchased and discounted

610.28

888.15

1223.77

1418.65

1834.05

2306.80

98.75

113.26

(ii) Cash credits,overdrafts & loans repayable on demand

4333.14

4957.87

9314.50

11127.27

13647.65

16085.15

840.39

1120.10

(iii) Term loans

4998.11

5673.89

12564.52

14717.29

17562.63

20391.18

907.33

1067.59

Security-wise

9B. (i) Secured by tangible assets

6994.41

8705.30

16879.02

20515.60

23873.43

29220.90

1555.34

1956.69

(ii) Covered by Bank/Government Guarantees

1150.09

833.32

1645.52

1895.90

2795.61

2729.21

64.54

87.27

(iii) Unsecured

1797.04

1981.30

4578.26

4851.71

6375.29

6833.01

226.59

256.99

Sector-wise & Location-wise

9C.I. Advances in India

8861.10

10179.14

21343.81

24711.83

30204.90

34890.96

1846.47

2300.95

(i) Priority sectors

3183.86

3457.80

6912.90

7717.94

10096.76

11175.75

640.47

727.96

(ii) Public sectors

640.80

720.40

2708.85

2908.61

3349.65

3629.00

81.18

79.70

(iii) Banks

4.65

1.81

311.06

180.06

315.71

181.87

10.28

5.79

(iv) Others

5031.79

5999.13

11411.00

13905.22

16442.79

19904.35

1114.55

1487.50

TABLE 3.1 : BANK GROUP-WISE LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS
IN INDIA - 2011 AND 2012 AS ON MARCH 31 (Contd.)

(Amount in ` Billion)

9C.II. Advances outside India

1080.44

1340.78

1758.99

2551.38

2839.43

3892.16

-

-

(i) Due from banks

224.24

170.86

452.13

631.06

676.37

801.92

-

-

(ii) Due from others

856.20

1169.91

1306.85

1920.32

2163.05

3090.24

-

-

a) Bills purchased and discounted

147.96

215.68

414.72

517.86

562.68

733.54

-

-

b) Syndicate loans

367.38

474.00

330.91

506.09

698.29

980.10

-

-

c) Others

340.86

480.23

561.22

896.37

902.08

1376.60

-

-

10. Fixed Assets

65.65

74.16

295.89

308.80

361.54

382.97

25.09

26.82

10.1. Premises

19.41

22.66

234.04

241.31

253.45

263.97

15.51

15.27

10.2. Fixed assets under construction

3.35

3.47

3.24

1.83

6.59

5.30

0.51

0.40

10.3. Other fixed assets

42.89

48.03

58.61

65.66

101.50

113.69

9.07

11.16

11. Other Assets

580.56

671.95

818.31

941.16

1398.87

1613.11

71.18

91.13

(i) Inter -office adjustments (net)

16.31

31.07

68.77

27.82

85.08

58.89

0.74

1.02

(ii) Interest accrued

118.62

145.24

208.86

274.34

327.48

419.58

18.10

24.30

(iii) Tax paid in advance/tax deducted at source

69.45

97.25

172.74

245.92

242.19

343.17

18.74

24.06

(iv) Stationery and stamps

1.23

1.23

1.15

1.25

2.38

2.48

0.23

0.22

(v) Others

374.95

397.16

366.79

391.84

741.74

789.00

33.36

41.53

Total Assets

15976.84

17712.14

36963.22

42667.68

52940.06

60379.82

3090.11

3750.15

TABLE 3.1 : BANK GROUP-WISE LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS
IN INDIA - 2011 AND 2012 AS ON MARCH 31 (Contd.)

(Amount in ` Billion)

Number of reporting banks

7

7

21

20

34

41

81

87

Liabilities

1.Capital

34.09

34.67

47.83

47.83

351.38

406.31

589.75

636.64

2. Reserves and Surplus

1113.59

1279.32

1337.84

1545.12

459.13

531.07

4509.44

5449.46

2.1. Statutory Reserves

157.56

204.55

216.53

274.32

131.56

155.96

1206.49

1421.58

2.2. Capital Reserves

32.85

34.08

40.69

42.08

28.74

32.52

338.70

348.85

2.3. Share Premium

615.12

625.64

689.97

712.44

-

-

1232.26

1492.32

2.4. Investment Fluctuations Reserves

0.64

0.38

2.76

2.44

2.28

5.63

13.24

14.95

2.5. Revenue and other Reserves

116.19

139.98

190.88

229.42

219.92

242.83

1392.69

1733.07

2.6. Balance of Profit

191.22

274.69

197.00

284.43

76.62

94.13

326.07

438.70

3. Deposits

7386.02

8586.96

10027.59

11745.87

2406.67

2770.63

56158.74

64536.64

Type-wise

3A.1. Demand deposits

1347.07

1400.84

1589.29

1658.70

728.76

800.83

6419.15

6303.37

(i) From banks

47.44

56.33

51.86

61.64

17.97

25.90

265.85

274.47

(ii) From others

1299.63

1344.51

1537.43

1597.06

710.80

774.94

6153.30

6028.90

3A.2. Savings bank deposits

1794.63

2151.56

2291.30

2729.38

396.50

418.69

13517.82

15288.57

3A.3. Term deposits

4244.32

5034.56

6146.99

7357.79

1281.40

1551.11

36221.78

42944.71

(i) From banks

295.06

291.58

430.74

499.63

41.16

64.13

2245.44

2905.54

(ii) From others

3949.26

4742.99

5716.25

6858.16

1240.24

1486.98

33976.34

40039.17

Location-wise

3B.1. Deposits of branches in India

7203.55

8339.77

9845.12

11498.69

2406.67

2770.63

53909.66

61367.25

3B.2. Deposits of branches outside India

182.47

247.19

182.47

247.19

-

-

2249.08

3169.39

TABLE 3.1 : BANK GROUP-WISE LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS
IN INDIA - 2011 AND 2012 AS ON MARCH 31 (Contd.)

(Amount in ` Billion)

4. Borrowings

1750.17

2386.41

1859.84

2584.20

928.75

1199.14

6755.27

8401.46

4.1. Borrowings in India

769.54

1131.69

848.07

1272.09

534.40

632.66

3879.16

4637.47

(i) From Reserve Bank of India

49.25

251.69

55.04

274.20

214.97

349.04

453.00

950.13

(ii) From other banks

94.77

105.75

100.65

114.91

201.19

153.42

492.22

415.10

(iii) From other institutions and agencies

625.52

774.24

692.38

882.97

118.25

130.19

2933.93

3272.24

4.2. Borrowings outside India

980.63

1254.72

1011.78

1312.11

394.35

566.48

2876.12

3763.98

Secured borrowings included in 4

14.17

34.26

14.21

45.98

284.00

427.49

631.39

857.36

5. Other liabilities and provisions

608.19

740.50

709.07

854.99

765.83

928.85

3820.77

3969.63

5.1. Bills payable

139.86

133.76

157.50

150.95

45.31

36.62

622.03

583.19

5.2. Inter-office adjustment

0.93

3.25

4.38

6.25

0.30

0.20

234.31

18.68

5.3. Interest accrued

71.37

104.00

83.83

120.58

22.59

28.62

356.72

464.95

5.4. Subordinate debt.

-

-

-

-

-

5.09

-

5.09

5.5. Deferred tax liabilities

-

-

1.94

2.89

0.04

0.02

15.24

25.81

5.6. Others (including provisions)

396.03

499.48

461.43

574.31

697.59

858.30

2592.47

2871.91

Total Liabilities

10892.06

13027.86

13982.17

16778.01

4911.75

5836.00

71833.98

82993.83

6. Cash and balances with RBI

679.38

538.15

861.11

705.56

202.93

231.69

4587.83

3737.17

6.1. Cash in hand

95.66

134.05

117.33

157.94

7.97

6.76

335.21

442.30

6.2. Balances with RBI

583.72

404.11

743.78

547.62

194.97

224.92

4252.62

3294.87

(i) In current account

582.72

402.11

742.78

545.62

194.91

191.86

4248.80

3256.20

(ii) In other account

1.00

2.00

1.00

2.00

0.05

33.07

3.82

38.67

7. Balances with banks in India and money at call and short notice

277.08

295.02

316.16

365.54

273.88

311.78

1840.82

2437.24

7.1. In India

142.93

119.76

176.78

181.00

111.71

157.87

664.91

936.01

7.1.1. Balances with banks

116.60

82.16

144.19

118.22

84.31

117.14

399.32

508.07

(i) In current account

14.47

12.18

20.49

19.93

10.32

15.01

90.88

102.29

(ii) In other deposit accounts

102.14

69.97

123.70

98.29

73.99

102.13

308.44

405.78

7.1.2. Money at call and short notice

26.33

37.60

32.59

62.78

27.40

40.73

265.59

427.95

(i) with banks

20.86

7.79

27.13

13.24

26.63

16.72

231.13

283.87

(ii) with other institutions

5.47

29.81

5.47

49.54

0.77

24.01

34.46

144.08

7.2. Outside India

134.15

175.26

139.38

184.54

162.18

153.90

1175.91

1501.23

7.2.1. Balances with banks

60.03

82.94

63.30

88.03

146.11

122.71

803.57

1057.06

(i) In current account

33.54

35.38

35.91

39.20

48.19

57.79

338.20

514.85

(ii) In other deposit accounts

26.50

47.56

27.39

48.83

97.93

64.92

465.37

542.21

7.2.2. Money at call and short notice

74.12

92.32

76.08

96.51

16.06

31.20

372.34

444.17

TABLE 3.1 : BANK GROUP-WISE LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS
IN INDIA - 2011 AND 2012 AS ON MARCH 31 (Contd.)

(Amount in ` Billion)

8. Investments

3294.03

4166.49

4220.58

5259.82

1654.99

2004.88

19236.33

22305.47

8.1. Investment in India in

3193.36

4077.68

4119.90

5171.02

1654.99

2004.88

18904.46

21962.82

(i) Government securities

1976.49

2682.72

2622.90

3468.19

1119.58

1375.94

14487.95

17338.49

(ii) Other approved securities

0.38

0.01

0.89

0.19

0.02

0.00

29.28

10.08

(iii) Shares

37.04

32.25

45.66

43.03

1.07

1.31

289.53

243.84

(iv) Debentures and Bonds

396.72

529.75

440.09

586.40

52.92

54.34

1077.22

1297.35

(v) Subsidiaries and/or joint ventures

78.14

79.14

80.33

83.12

-

-

169.94

179.08

(vi) Others

704.60

753.83

930.03

990.08

481.41

573.30

2850.54

2893.98

8.2. Investment outside India in

100.67

88.81

100.67

88.81

-

-

331.88

342.65

(i) Government securities

9.29

5.57

9.29

5.57

-

-

90.96

90.93

(ii) Subsidiaries and/or joint ventures

66.16

67.00

66.16

67.00

-

-

97.10

103.56

(iii) Others

25.22

16.23

25.22

16.23

-

-

143.81

148.16

9. Advances

6128.97

7363.23

7975.44

9664.18

1955.11

2298.49

42974.88

50745.79

9A. (i) Bills purchased and discounted

231.38

244.00

330.13

357.26

234.90

257.47

2399.08

2921.53

(ii) Cash credits,overdrafts & loans repayable on demand

1400.81

1739.55

2241.20

2859.64

928.35

1099.30

16817.20

20044.09

(iii) Term loans

4496.78

5379.68

5404.11

6447.28

791.86

941.72

23758.60

27780.18

Security-wise

9B. (i) Secured by tangible assets

4688.60

5922.16

6243.94

7878.85

821.16

965.25

30938.52

38065.01

(ii) Covered by Bank/Government Guarantees

105.18

144.33

169.72

231.60

89.26

168.87

3054.60

3129.68

(iii) Unsecured

1335.19

1296.74

1561.78

1553.73

1044.69

1164.37

8981.76

9551.11

Sector-wise & Location-wise

9C.I. Advances in India

5335.69

6356.97

7182.16

8657.92

1955.11

2298.49

39342.17

45847.37

(i) Priority sectors

1782.26

2081.96

2422.72

2809.92

639.11

727.64

13158.59

14713.30

(ii) Public sectors

100.35

121.84

181.53

201.54

30.09

19.10

3561.26

3849.65

(iii) Banks

4.79

8.84

15.07

14.63

36.40

15.05

367.18

211.55

(iv) Others

3448.29

4144.33

4562.83

5631.83

1249.51

1536.70

22255.13

27072.87

TABLE 3.1 : BANK GROUP-WISE LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS
IN INDIA - 2011 AND 2012 AS ON MARCH 31 (Concld.)

(Amount in ` Billion)

9C.II. Advances outside India

793.28

1006.27

793.28

1006.27

-

-

3632.70

4898.43

(i) Due from banks

55.42

41.83

55.42

41.83

-

-

731.79

843.75

(ii) Due from others

737.86

964.44

737.86

964.44

-

-

2900.92

4054.68

a) Bills purchased and discounted

11.91

11.57

11.91

11.57

-

-

574.59

745.12

b) Syndicate loans

575.67

768.35

575.67

768.35

-

-

1273.96

1748.45

c) Others

150.28

184.51

150.28

184.51

-

-

1052.36

1561.11

10. Fixed Assets

104.70

106.90

129.80

133.72

49.59

50.18

540.92

566.87

10.1.Premises

55.58

54.64

71.09

69.91

31.11

38.84

355.65

372.72

10.2. Fixed assets under construction

0.50

1.80

1.01

2.20

9.66

1.31

17.26

8.81

10.3. Other fixed assets

48.62

50.45

57.69

61.61

8.82

10.03

168.01

185.33

11. Other Assets

407.90

558.07

479.08

649.19

775.25

938.98

2653.20

3201.28

(i) Inter - office adjustments (net)

0.21

-

0.95

1.02

2.27

2.37

88.30

62.27

(ii) Interest accrued

92.82

117.75

110.93

142.05

30.75

33.45

469.16

595.08

(iii) Tax paid in advance/tax deducted at source

59.10

49.95

77.84

74.00

28.38

35.67

348.41

452.84

(iv) Stationery and stamps

0.40

0.25

0.63

0.47

0.01

0.01

3.01

2.95

(v) Others

255.37

390.12

288.74

431.65

713.84

867.49

1744.32

2088.13

Total Assets

10892.06

13027.86

13982.17

16778.01

4911.75

5836.00

71833.98

82993.83