Scheduled Commercial Banks - Business in India

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Date: August 20, 2005

							(Rs. crore)
		Outstanding	Variation over
		as on 2005	Fortnight	Financial year so far		Year-on-year
*Item*		Aug. 5 #	Fortnight	2004-2005	2005-2006	2004		2005
1		2	3	4	5	6		7
Liabilities to the Banking System
	Demand and time deposits from Banks	38,995	803	230	2,687	–1,611		1,932
	Borrowings from Banks ⁽¹⁾	26,259	–4,363	–1,070	–1,357	–3,990		12,302
	Other demand and time liabilities⁽²⁾	11,605	176	–21	8,481	11		9,000
Liabilities to Others
	Aggregate deposits@	18,38,419	29,223	81,034	1,38,220	2,27,718		2,52,969
			(1.6)	(5.4)	(8.1)	(16.8)		(16.0)
	Demand	2,82,595	20,998	–7,636	34,568	45,761		65,209
	Time@	15,55,823	8,225	88,670	1,03,652	1,81,957		1,87,760
		[15,52,254]						[1,84,191]
	Borrowings⁽³⁾	74,674	3,231	6,034	5,151	14,106		43,970
	Other demand and time liabilities	1,64,251	5,781	3,965	–28,508	22,760		12,202
Borrowings from Reserve Bank		—	—	50	–50	–141		–50

Cash in hand and Balances with Reserve Bank		1,04,055	–6,898	5,752	7,478	10,733		21,409
	Cash in hand	9,735	–381	223	1,263	51		1,615
	Balances with Reserve Bank	94,320	–6,517	5,529	6,215	10,683		19,794

Assets with the Banking System
	Balance with other Banks⁽⁴⁾	21,591	1,155	634	2,271	1,864		3,996
	Money at call and short notice	19,383	–4,827	–105	–477	–9,466		1,431
	Advances to Banks	8,982	–427	–23	–710	3,650		–1,518
	Other assets	3,035	704	–214	611	–565		612
Investments ⁽⁵⁾		7,67,096	25,269	55,152	27,942	1,13,897		34,356
			(3.4)	(8.1)	(3.8)	(18.4)		(4.7)
	Government securities	7,42,544	25,188	55,845	23,563	1,15,973		31,942
		[7,30,352]						[19,749]
	Other approved securities	24,551	82	–692	4,379	–2,077		2,414

Bank Credit		11,85,456	5,546	55,897	85,028	1,66,917		2,88,774
			(0.5)	(6.6)	(7.7)	(22.9)		(32.2)
	Food Credit	40,240	583	6,481	–880	–809		–2,202
	Non-food credit	11,45,216	4,964	49,416	85,908	1,67,726		2,90,976
		[11,12,534]						[2,58,294]
	Loans, cash-credit and overdrafts	11,27,605	6,431	56,491	87,393	1,59,520		2,81,874
	Inland bills- purchased	8,682	–113	–104	1,128	2,011		1,816
	discounted⁽⁶⁾	23,212	–232	–378	–2,021	2,094		1,861
	Foreign bills-purchased	10,017	–173	–608	–811	632		511
	discounted	15,941	–367	496	–662	2,660		2,712
*Cash-Deposit Ratio*		*5.66*
*Investment-Deposit Ratio*		*41.73*
*Credit-DepositRatio*		*64.48*
@ : Includes Rs.25,662 crore on account of proceeds from India Millennium Deposits (IMDs), since November 17, 2000. Data also reflect redemption of Resurgent (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 India Bonds (RIBs) of Rs.22,693 crore, since October 1, 2003. been included in the corresponding items under 'liabilities to others'. (3) Other than from Reserve Bank of India, 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. Notes: 1. Includes the impact of mergers since May 3, 2002. 2. Figures in [ ] exclude the impact of conversion of a non-banking entity into banking entity from October 11, 2004.