3. Scheduled Commercial Banks - Business in India

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Date: June 21, 2003


(Rs. crore)

		Outstanding	Variation over
Item		as on 2003	Fortnight	Financial year so far		Year-on-year

		May 30#		2002-2003	2003-2004	2002	2003

1		2	3	4	5	6	7

Liabilities to the Banking System
	Demand and time deposits from Banks	40,432	–1,489	5,362	–18	–10,951	3,641
	Borrowings from Banks ⁽¹⁾	17,315	–1,570	–88	–2,138	–4,843	–2,847
	Other demand and time liabilities⁽²⁾	2,554	–39	1,111	261	1,779	–781
Liabilities to Others
	Aggregate deposits@	13,28,582	6,830	88,456	48,006	1,87,217	1,36,766
			(0.5)	(8.0)	(3.7)	(18.6)	(11.5)
				[8.3]	[3.9]	[19.5]	[11.9]
	Demand	1,75,440	2,042	3,105	6,600	14,773	19,286
	Time@	11,53,142	4,788	85,350	41,407	1,72,444	1,17,480
	Borrowings⁽³⁾	16,721	810	6,863	4,098	7,636	6,829
	Other demand and time liabilities	1,12,980	–3,514	–1,726	–15,968	16,511	2,822
Borrowings from Reserve Bank		1	–10	–2,791	–78	–840	–825

Cash in hand and Balances with Reserve Bank		88,169	7,381	2,306	22,829	6,130	17,215
	Cash in hand	8,479	515	1,071	1,473	915	1,162
	Balances with Reserve Bank	79,690	6,867	1,235	21,355	5,214	16,053

Assets with the Banking System
	Balance with other Banks⁽⁴⁾	16,434	–1,326	–293	–1,216	–586	–1,266
	Money at call and short notice	29,508	1,765	836	–3,181	–10,907	2,047
	Advances to Banks	6,876	51	–88	–230	482	1,392
	Other assets	2,650	–15	–349	152	306	325
Investments⁽⁵⁾		5,74,015	–2,670	33,559	25,698	73,930	1,02,186
			(–0.5)	(7.7)	(4.7)	(18.6)	(21.7)
	Government securities	5,46,759	–2,650	34,010	24,944	77,731	1,01,573
	Other approved securities	27,256	–20	–451	754	–3,800	613

Bank Credit		7,30,653	–487	55,025	5,286	1,29,068	85,906
			(–0.1)	(9.3)	(0.7)	(25.0)	(13.3)
	Food Credit	51,047	1,770	6,691	1,568	11,938	–9,622
	Non-food credit	6,79,606	–2,256	48,334	3,718	1,17,130	95,528

	Loans, cash-credit and overdrafts	6,86,212	298	54,578	8,345	1,27,345	84,027
	Inland bills- purchased	5,318	–393	–193	–495	–125	480
	discounted⁽⁶⁾	19,383	–53	833	–1,231	511	267
	Foreign bills-purchased	9,473	–130	–599	–48	–427	984
	discounted	10,267	–209	405	–1,286	1,764	148
Cash-Deposit Ratio		6.64
Investment-Deposit Ratio		43.21
Credit-DepositRatio		54.99

@ : Includes Rs.17,945 crore on account of proceeds from Resurgent India Bonds (RIBs), since August 28, 1998 and Rs.25,662 crore on account of proceeds from India Millennium Deposits (IMDs), since November 17, 2000. Figures in italics are percentage variations net of RIBs and IMDs as the case may be. (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. Note: Includes the impact of mergers since May 3, 2002.