Table 4 : Bank Group-Wise Liabilities and Assets of Scheduled Commercial Banks : 1999 and 2000

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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