Professional Documents
Culture Documents
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RELATING TO
BANKS IN INDIA
2008-09
Data published in this volume are also available in CD-ROM at the addresses mentioned above.
The publication can also be accessed through internet at the RBI Website “http ://www.rbi.org.in’’
PRICE
Inland : (i) Rs. 200
(ii) Rs. 250 (Inclusive of postage)
Abroad : (i) US $ 20 (Inclusive of registered airmail)
(ii) US $ 80 (Inclusive of courier charges)
EXPLANATORY NOTES
SUMMARY TABLES
1 OFFICES
1.1 Offices of Commercial Banks in India – 2005 to 2009 1
1.2 Population group-wise distribution of offices opened or closed 3
by Commercial Banks – 2008 and 2009
1.3 State and population group-wise distribution of offices opened by 5
Commercial Banks – 2008 and 2009
1.4 State and population group-wise distribution of centres and offices of 7
Commercial Banks – 2008 and 2009
1.5 Offices of Indian Commercial Banks outside India – 2007 to 2009 10
1.6 Region-wise distribution of offices of State and District Central Co-operative 11
Banks – 2008 and 2009
1.7 State-wise distribution of number of branches of State and District Central 13
Co-operative Banks – 2007 and 2008
2 BUSINESS
2.1 Business of Scheduled Banks in India – 2008-09 14
2.2 Business of Scheduled Banks in India according to bank group – 2008-09 20
2.3 State-wise distribution of deposits and credit of Scheduled 35
Commercial Banks in India - 2008 and 2009
2.4 State and bank group-wise distribution of deposits and credit of Scheduled 37
Commercial Banks – 2008 and 2009
2.5 Population group-wise distribution of deposits and credit of 41
Scheduled Commercial Banks - 2005 to 2009
2.6 Bank group-wise selected ratios of Scheduled Commercial Banks – 2008 and 2009 43
2.7 Bank group-wise maturity profile of selected items of liabilities 44
and assets – 2008 and 2009
I
Table Title Page
No. No.
4 DEPOSITS
4.2 Ownership of deposits with Scheduled Commercial Banks – 2007 and 2008 56
5 ADVANCES
II
Table Title Page
No. No.
7 NPAs
8 INVESTMENTS
10 EMPLOYEES
11 MISCELLANEOUS
11.4 Bank group-wise and occupation-wise weighted average lending rate and 111
deposit rate – 2007 and 2008
III
Table Title Page
No. No.
BANK-WISE TABLES
B1 Liabilities and assets of Scheduled Commercial Banks – 2008 and 2009 116
B2 Earnings and expenses of Scheduled Commercial Banks – 2007-08 and 2008-09 174
B3 Bank-wise Capital Adequacy Ratio (CRAR) of Scheduled Commercial 195
Banks 2008 and 2009
B4 Provisions and contingencies of Scheduled Commercial Banks – 2009 198
B5 Contingent liabilities of Scheduled Commercial Banks – 2008 and 2009 201
B6 Movements of Non-Performing Assets (NPAs) of Scheduled Commercial 207
Banks – 2007-08 and 2008-09
B7 Bank-wise Gross Non-Performing Assets, Gross Advances, and 210
Gross NPA Ratio of Scheduled Commercial Banks – 2009
B8 Appropriation of profit of Scheduled Commercial Banks – 2007-08 and 2008-09 213
B9 Exposure to sensitive sectors of Scheduled Commercial Banks – 2008 and 2009 222
B10 Maturity profile of selected items of liabilities and assets of Scheduled 225
Commercial Banks – 2008 and 2009
B11 Loan subjected to restructuring and corporate debt restructured – 2008-09 267
B12 Selected ratios of Scheduled Commercial Banks – 2008 and 2009 269
B13 Bank-wise and population group-wise number of offices of Scheduled 290
Commercial Banks – 2008 and 2009
B14 Commercial banks and their offices in States and Union 298
Territories – 2008 and 2009
B15 Bank-wise and category-wise employees of Scheduled 314
Commercial Banks – 2008 and 2009
B16 Unclaimed deposits with Scheduled Commercial Banks – 2008 316
B17 List of amalgamated Regional Rural Banks 322
B18 Bank-wise and country-wise offices of Indian Scheduled Commercial 326
Banks outside India - 2009
MAPS
1 State and Union Territory-wise distribution of offices of Commercial Banks – 2009 9
2 State and Union Territory-wise credit-deposit ratio of Scheduled 40
Commercial Banks – 2009
GRAPHS
1 Population group-wise distribution of number of offices of 2
Commercial Banks – 2008 and 2009
2 Scheduled Commercial Banks’ business in India – 2001 to 2009 34
3 Population group-wise distribution of deposits and credit of Scheduled 42
Commercial Banks – 2008 and 2009
4 Occupation-wise distribution of credit by Scheduled Commercial Banks 62
according to Bank Groups – 2008
5 Distribution of outstanding credit of Scheduled Commercial Banks 66
according to interest rate range – 2007 and 2008
6 Composition of investments of Scheduled Commercial Banks – 2007 and 2008 99
7 Earnings, expenses and profits of Scheduled Commercial 103
Banks – 2003-04 to 2008-09
8 Composition of major items in total earnings and expenses of Scheduled 104
Commercial Banks – 2007-08 and 2008-09
IV
FOREWORD
The Reserve Bank’s annual publication, Statistical Tables Relating to Banks in India, provides key
information on banks. It covers bank-wise and bank group-wise information on major items such as liabilities
and assets, income and expenses, non-performing assets, financial ratios, spatial distribution of offices,
number of employees and details of priority sector advances. It also provides bank group-wise monthly data
on some of the major items such as aggregate deposits, liabilities to the banking system, assets with the
banking system, investments, bank credit, and, sector-wise and industry-wise gross bank credit.
This publication had started prior to the establishment of the Reserve Bank of India. The first issue
was brought out by the then Department of Statistics, Government of India in 1915 which covered data for
1914 and was brought out under the guidance of Mr. G. Findlay Shirras, the then Director of Statistics,
Government of India. It is worth mentioning that Late Professor P. R. Brahmananda dedicated his book
Money, Income, Prices in 19th Century India, published in 2001, to Mr. G. Findlay Shirras, among others. In
order to commemorate the origin of this publication, the cover page of the first issue brought out in 1915 is
reproduced in this volume.
The work relating to the publication was transferred to the Reserve Bank of India in 1939. The last
issue, which incidentally was also the 25th issue, of the publication brought out by the Government of India
was in 1941, with data pertaining to 1938. The first issue under the aegis of the Reserve Bank of India was
brought out in 1941, with data pertaining to 1939 and 1940. The cover page of the last issue brought out by
the Government of India and ‘Prefatory Note’ in the first issue brought out by the Reserve Bank of India as
reproduced in Statistical Tables Relating to Banks in India 2005-06 are also given in this volume.
This is the 64th volume of the publication by the Reserve Bank of India. If we count volumes published
by the then Department of Statistics, Government of India, then this could be the 89th volume, marking the
long history of continuity of this publication.
This publication has continued for nearly a century underscores its relevance. It is also a tribute to
the efforts and dedication of concerned officials first in the Government of India and now in the Reserve
Bank of India. In this tradition, this volume has been brought under the guidance of Dr. A. M. Pedgaonkar,
Principal Adviser, and Dr. Balwant Singh, Adviser, DSIM.
I am sure, as in its glorious past, the current volume would prove to be a valuable source of information
on Indian banks.
The staff team for this publication is headed by Shri V. Bahuguna, Director, with able support from
Dr. N. K. Unnikrishnan, Assistant Adviser, Shri Bhaskar Birajdar, Research Officer and Smt. Shobha A.
Parab, Assistant Manager. They were assisted by Smt. F. K. Kazi, Assistant Manager, and Smt. P. Vanmali,
Data Processing Assistant.
I dedicate this volume to those, past and present, who contributed to its rich tradition.
Deepak Mohanty
Executive Director
V
Glimpses into the History
The cover page of Statistical Tables Relating to Banks in India brought out by the
Department of Statistics, Government of India, in 1915.
VI
The first page of Introductory Memorandum, Statistical Tables Relating to Banks in India,
published in 1915.
VII
The second page of Introductory Memorandum, Statistical Tables Relating to Banks in India,
published in 1915.
VIII
The third page of Introductory Memorandum, Statistical Tables Relating to Banks in India,
published in 1915.
IX
The cover page of Statistical Tables Relating to Banks in India published in 1941.
This was the last issue brought out by the Government of India.
X
The first page of Prefatory Note, Statistical Tables Relating to Banks in India, published in 1941.
This was the first issue brought out by the Reserve Bank of India.
XI
The map of India depicting distribution of offices of the scheduled banks and the
Reserve Bank of India as given in Statistical Tables Relating to Banks in India, 1941.
This was the first issue brought out by the Reserve Bank of India.
XII
XIII
EXPLANATORY NOTES
I. Bank-related
1. All banks which are included in the Second Schedule to the Reserve Bank of India Act, 1934 are
Scheduled Banks. These banks comprise Scheduled Commercial Banks and Scheduled Co-operative
Banks.
2. Scheduled Commercial Banks in India are categorised into five different groups according to their
ownership and / or nature of operation. These bank groups are (i) State Bank of India and its Associates,
(ii) Nationalised Banks, (iii) Regional Rural Banks, (iv) Foreign Banks and (v) Other Indian Scheduled
Commercial Banks (in the private sector).
3. Scheduled Co-operative Banks consist of Scheduled State Co-operative Banks and Scheduled Urban
Co-operative Banks.
4. Regional Rural Banks and Scheduled Co-operative Banks are excluded in bank-wise tables and their
summary tables at bank group level. However, details of Regional Rural Banks and Scheduled Co-
operative Banks as groups are presented in Tables 2.1 and 2.2.
5. During the financial year 2008-09, the following changes have taken place in the commercial banking
system:
(I) Centurion Bank of Punjab Limited merged with HDFC Bank Limited with effect from May 23,
2008.
(II) State Bank of Saurashtra merged with State Bank of India with effect from August 13, 2008.
(III) JSC VTB Bank was included in the second schedule of the Reserve Bank of India Act, 1934 with
effect from September 19, 2008.
(IV) American Express Banking Corporation was included in the second schedule of the Reserve
Bank of India Act, 1934 with effect from December 27, 2008.
(V) UBS AG was included in the second schedule of the Reserve Bank of India Act, 1934 with effect
from February 02, 2009.
(VI) There were 91 Regional Rural Banks as at end-March 2008. However, due to amalgamation,
number of such banks came down to 86 as on March 31, 2009 and further down to 84 as on July
20, 2009. A detailed list of amalgamated Regional Rural Banks as on July 20, 2009 is given in
Table B17.
These changes are reflected in the tables where individual bank’s data are presented.
6. In the bank group-wise classification, IDBI Bank Ltd. has been included in Nationalised Banks.
7. Data pertaining to Tamilnad Mercantile Bank Limited is based on un-audited annual account.
8. Population groups of the banked centres presented in this volume are based on the 2001 census. The
population groups are defined as under:
XIII
II. Table-related
Tables 6.1 to 6.7 – The tables sourced by Rural Planning and Credit Department of Reserve Bank of
India have undergone changes as the Department has changed the reporting format for priority sector
advances for banks. Apart from giving separate data for some sub-heads of priority sector, the priority
sector advances have been presented as per cent of Adjusted Net Bank Credit (ANBC) or credit
equivalent of Off-Balance Sheet Exposures (OBE) whichever is higher as in the new format.
Tables 2.1 and 2.2 - Data are compiled from the fortnightly “Form-A” returns submitted by the Scheduled
Commercial Banks under Section 42(2) of the Reserve Bank of India Act, 1934 and relate to their
business in India. Inter-bank deposits / assets of maturity of 15 days and above and up to 1 year are
excluded. Data on balances with the Reserve Bank of India are obtained from Weekly Statement of
Affairs of the Reserve Bank of India, Department of Government and Bank Accounts.
Tables 2.3, 2.4, 2.5, 4.1, 5.1, 5.2, 5.3 – The deposit figures reported in Tables 2.3, 2.4, 2.5 and 4.1
exclude inter-bank deposits and, therefore, their coverage is different from that of ‘deposits’ reported in
table 3.1. The bank credit data in tables 2.3, 2.4, 2.5, 5.1, 5.2 and 5.3 comprise term loans, cash credit,
overdrafts and bills purchased and discounted. In addition, the data on bank credit in tables 5.1, 5.2
and 5.3 also include dues from banks.
Tables 2.6 and B12 – Selected financial ratios of Scheduled Commercial Banks (excluding RRBs) are
obtained / calculated from the published annual accounts of banks and relate to the year ended March
31 of 2008 and 2009. The ratios 21 and 30 to 35, viz., “return on assets”, “business (deposits plus
advances) per employee”, “profit per employee”, “capital adequacy ratio”, “capital adequacy ratio – Tier
I”, “capital adequacy ratio- Tier II” and “ratio of net NPAs to net advances” are obtained from “notes on
accounts” of published annual accounts of individual banks. They are not aggregated at the bank-
group level.
(i) Cash in cash-deposit ratio includes cash in hand and balances with RBI
(ii) Investments in investment-deposit ratio represent total investments including investments in non-
approved securities
(iii) Net interest margin is defined as the total interest earned less total interest paid
(iv) Intermediation cost is defined as total operating expenses
(v) Wage bills is defined as payments to and provisions for employees (PPE)
(vi) Operating profit is defined as total earnings less total expenses, excluding provisions and
contingencies, and
(vii) Burden is defined as the total non-interest expenses less total non-interest income
2. Items like capital, reserves, deposits, borrowings, advances, investments and assets / liabilities used
to compute various financial earnings / expenses ratios (Sr. no.11 to 29) are averages for the two
relevant years.
(ii) Ratio of secured advances to total advances = (Advances secured by tangible assets + Advances
covered by bank or Govt. guarantees) / Advances
XIV
(iii) Ratio of interest income to total assets = Interest earned / Total assets
(iv) Ratio of net interest margin to total assets = (Interest earned - Interest paid) / Total assets
(v) Ratio of non-interest income to total assets = Other income / Total assets
(vi) Ratio of intermediation cost to total assets = Operating expenses / Total assets
(vii) Ratio of wage bill to intermediation costs (Operating Expenses) = PPE / Operating Expenses
(x) Ratio of burden to total assets = (Operating expenses - Other income) / Total assets
(xi) Ratio of burden to interest income = (Operating expenses - Other income) / Interest income
(xii) Ratio of operating profits to total assets = Operating profit / Total assets
(xiii) Return on assets for a bank group (for Table 2.6) is obtained as weighted average of return on
assets of individual banks (from Table B12) in the group, weights being the proportion of total
assets of the bank as percentage to total assets of all banks in the corresponding bank group
(xx) Return on Advances adjusted to Cost of Funds = Return on Advances – Cost of Funds
(xxi) Return on Investment adjusted to Cost of Funds = Return on Investments – Cost of Funds
Whenever appropriate, denominators in the ratios use averages of “current year” and “previous year”. For
instance, ratio of net interest margin to total assets for the year 2008-09 uses denominator as average total
assets for the years 2007-08 and 2008-09.
XV
Table 4.2 – The total outstanding deposits of scheduled commercial banks are estimated based on a
sample 13,046 of branches in this table.
Tables 9.1 and B2 – Data in these tables are obtained from various schedules of profit and loss
account as published by banks in their annual accounts. ‘Total expenses’ shown in these tables exclude
‘provisions and contingencies’. The item ‘profit’ is computed by subtracting interest expenses, operating
expenses and provisions and contingencies from total earnings of the bank.
Table 10.1 - This table is based on the data collected through Basic Statistical Return II and include
only full-time employees of the banks.
Table 11.4 - Data are based on BSR I and BSR II received from all branches of scheduled commercial
banks and relate to accounts with credit limit of over Rs.2 lakhs. The credit is exclusive of inland &
foreign bills purchased and discounted. Amount outstanding is used as weights for calculating average
lending rates. The deposit rate corresponds to only term deposits. The data for 2008 on average
deposit rate are based on 65027 reporting branches out of 74207 branches.
Tables B1 to B12 - Presents data on individual Scheduled Commercial Banks, excluding Regional
Rural Banks.
Tables 3.1 and B1 - Most banks have given ‘investment reserves’ instead of ‘investment fluctuation
reserves’; for convenience, no distinction has been made between these two special reserves.
Table B16 - Data relate to deposit accounts in India, which have not been operated upon for 10 years
or more as on 31st December 2008 and are based on returns submitted by banks in Form IX under
Section 26 of the Banking Regulation Act, 1949.
III. General
1. The totals in the tables may not exactly tally with the sum of the constituent items on account of
rounding off of the figures.
3. The unit lakh is equal to 1,00,000 and unit crore is equal to 1,00,00,000.
4. The symbol ‘–’ indicates nil or negligible and ‘..’ indicates not available or not applicable.
5. Source and notes as appropriate are given at the end of each table.
6. The year ‘2008’ refers to financial year April 2007 to March 2008 and the year ‘2009’ refers to
financial year April 2008 to March 2009.
7. Some of the data for the previous years have been revised.
XVI
LIABILITIES AND ASSETS OF THE RESERVE BANK OF INDIA : 2008 AND 2009
BANKING DEPARTMENT
ISSUE DEPARTMENT
1. Notes held in the 22 16 1. Gold coin and bullion
Banking department (i) Held in India 32779 40390
(ii) Held outside India — —
2. Notes in circulation 581577 681058 2. Foreign Securities 547641 639531
Total (1+2) 580420 679921
3. Rupee coin 132 106
4. Government of India rupee securities 1046 1046
5. Internal bills of exchange
& other commercial paper
Total Liabilities ( Total notes issued ) 581599 681074 Total Assets 581598 681074
Note : * Includes gold valued at Rs.7344.88 crore as on March 31, 2008 and Rs.9050.24 crore as on March 27, 2009.
@ : Includes Foreign Currency Asset of Rs.32359.13 crore which forms part of Balances held abroad as on March 31,2008
and Rs.25468.60 crore as on March 27, 2009.
# : Includes Rs.168392.49 crore balance under Market Stabilization Scheme as on March 31, 2008 and Rs.88077.03 crore as
on March 27, 2009.
## : Includes the balance of Government of Union Territory of Puducherry.
Source : Weekly Statement of Affairs of the Reserve Bank of India, Department of Government and Bank Accounts.
XVII
STATISTICS RELATING TO COMMERCIAL BANKS AT A GLANCE
Indicators March March March March March March March March March
2001 2002 2003 2004 2005 2006 2007 2008 2009
Number of Commercial Banks 300 297 292 290 289 222 183 174 170
(a) Scheduled Commercial Banks 296 293 288 286 285 218 179 170 166
of which: Regional Rural Banks 196 196 196 196 196 133 96 91 86
(b) Non-Scheduled Commercial Banks 5 4 4 5 4 4 4 4 4
Number of Bank Offices in India 67937 68195 68500 69170 70373 71685 74346 78666 82408
(a) Rural 32585 32503 32283 32227 30790 30436 30575 31105 31699
(b) Semi-Urban 14843 14962 15135 15288 15325 15811 16620 17897 19082
(c) Urban 11193 11328 11566 11806 12419 13034 14049 15530 16614
(d) Metropolitan 9316 9402 9516 9750 11839 14204 13102 14134 15013
Population per Office (in thousands) 15 15 16 16 16 16 15 15 14
Aggregate deposits of Scheduled
Commercial Banks in India (Rs. crore) 989141 1131188 1311761 1504416 1700198 2109049 2611934 3196940 3834110
(a) Demand deposits 159407 169103 187837 225022 248028 364640 429731 524310 523085
(b) Time deposits 829734 962085 1123924 1279394 1452171 1744409 2182203 2672630 3311025
Credit of Scheduled Commercial 529271 609053 746432 840785 1100428 1507077 1931190 2361913 2775549
Banks in India (Rs. crore)
Investments of Scheduled
Commercial Banks in India (Rs. crore) 367184 437482 547546 677588 739154 717454 791516 971714 1166410
Deposits of Scheduled Commercial 1456 1659 1925 2265 2574 3047 3675 4344 4980
Banks per office (Rs. lakh)
Credit of Scheduled Commercial 779 893 1143 1330 1700 2209 2757 3222 3615
Banks per office (Rs. lakh)
Per capita Deposit of Scheduled 9770 11008 12253 14089 16281 19130 23382 28610 34372
Commercial Banks (Rs.)
Per capita Credit of Scheduled 5228 5927 7275 8273 10752 13869 17541 21218 24945
Commercial Banks (Rs.)
Deposits of Scheduled Commercial Banks 56.0 54.4 58.8 59.4 60.0 65.4 70.1 74.4 78.1
as percentage to Gross National Product
at factor cost (at current prices)
Scheduled Commercial Banks’ Advances 182255 205606 254648 263834 381476 510175 632647 738686 932459
to Priority Sectors (Rs. crore)
Share of Priority Sector Advances in total 31.0 34.8 35.1 34.5 36.7 35.3 34.3 32.9 35.2
credit of Scheduled Commercial Banks (per cent)
Credit-Deposit Ratio (per cent) 53.5 53.8 56.9 55.9 62.6 70.1 73.5 74.6 73.9
Investment-Deposit Ratio (per cent) 37.1 38.7 41.3 45.0 47.3 40.0 35.3 35.5 35.7
Cash-Deposit Ratio (per cent) 8.4 7.1 6.3 7.2 6.4 6.7 7.2 9.7 7.3
XVIII
Summary Tables
TABLE 1.1 : OFFICES OF COMMERCIAL BANKS IN INDIA - 2005 TO 2009
As on March 31
State Bank of India and its Associates 14006 14294 14651 15814 16731
1
GRAPH - 1
POPULATION GROUP-WISE DISTRIBUTION OF NUMBER OF OFFICES
OF COMMERCIAL BANKS - 2008 AND 2009
(As on March 31)
35000
31699
31105
30000
25000
17897 19082
20000
15530 16614
14134 15013
15000
10000
5000
0
2008 2009
2
TABLE 1.2: POPULATION GROUP-WISE DISTRIBUTION OF OFFICES OPENED OR
CLOSED BY COMMERCIAL BANKS - 2008 AND 2009
Number of Offices
As on March 31, 2008 Opened during April 1, 2007 to March 31,2008
Bank Group Rural Semi- Urban Metro Total Rural Semi- Urban Metro Total
Urban politan Urban politan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
State Bank of India & its Associates 5346 4575 3170 2723 15814 238 382 302 251 1173
Nationalised Banks $ 13210 8204 8996 8794 39204 179 458 641 443 1721
Other Scheduled Commercial Banks 1033 2396 2548 2317 8294 53 306 349 283 991
All Commercial Banks 31105 17897 15530 14134 78666 553 1238 1357 982 4130
Number of Offices
Closed/merged/converted during
Net increase(+) or decrease (-)
As on March 31, 2008
Bank Group Rural Semi- Urban Metro Total Rural Semi- Urban Metro Total
Urban politan Urban politan
(11) (12) (13) (14) (15) (16) (17) (18) (19) (20)
State Bank of India & its Associates 8 - 1 1 10 230 382 301 250 1163
Foreign Banks - - - - - - - 6 2 8
3
TABLE 1.2 : POPULATION GROUP-WISE DISTRIBUTION OF OFFICES OPENED OR
CLOSED BY COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
Number of Offices
As on March 31, 2009 Opened during April 1, 2008 to March 31,2009
Bank Group Rural Semi- Urban Metro Total Rural Semi- Urban Metro Total
Urban politan Urban politan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
State Bank of India & its Associates 5551 4851 3401 2928 16731 205 276 232 205 918
Nationalised Banks $ 13383 8726 9485 9172 40766 176 523 502 395 1596
Regional Rural Banks 11639 2830 819 96 15384 143 130 68 23 364
Other Scheduled Commercial Banks 1111 2651 2841 2583 9186 78 255 292 266 891
All Commercial Banks 31699 19082 16614 15013 82408 606 1186 1097 896 3785
Number of Offices
Closed/merged/converted during
Net increase(+) or decrease (-)
As on March 31, 2009
Bank Group Rural Semi- Urban Metro Total Rural Semi- Urban Metro Total
Urban politan Urban politan
(11) (12) (13) (14) (15) (16) (17) (18) (19) (20)
State Bank of India & its Associates - - - 1 1 205 276 232 204 917
Foreign Banks - - - - - 4 2 3 7 16
4
TABLE 1.3 : STATE AND POPULATION GROUP-WISE DISTRIBUTION
OF OFFICES OPENED BY COMMERCIAL BANKS - 2008 AND 2009
Number of Offices
Opened during April 1, 2007
As on March 31, 2008
As on As on March 31, 2008
State / Union Territorys March Rural Semi- Urban Metro Total Rural Semi- Urban Metro Total
31, 2007 Urban politan Urban politan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
5
TABLE 1.3 : STATE AND POPULATION GROUP-WISE DISTRIBUTION
OF OFFICES OPENED BY COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
Number of Offices
Opened during April 1, 2008
As on March 31, 2009
As on As on March 31, 2009
State / Union Territory March Rural Semi- Urban Metro Total Rural Semi- Urban Metro Total
31, 2008 Urban politan Urban politan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
6
TABLE 1.4 : STATE AND POPULATION GROUP-WISE DISTRIBUTION OF CENTRES AND
OFFICES OF COMMERCIAL BANKS - 2008 AND 2009
Northern Region 4317 4818 609 2620 54 2992 5 3078 4985 13508
(15.3) (15.5) (10.4) (14.6) (13.4) (19.3) (16.1) (21.8) (14.4) (17.2)
Chandigarh 12 23 1 1 1 273 - - 14 297
Delhi 46 53 21 31 - - 1 2065 68 2149
Haryana 602 671 134 415 19 868 1 110 756 2064
Himachal Pradesh 609 703 12 146 1 61 - - 622 910
Jammu & Kashmir 443 536 40 185 3 257 - - 486 978
Punjab 981 1093 132 900 12 716 2 498 1127 3207
Rajasthan 1624 1739 269 942 18 817 1 405 1912 3903
North Eastern Region 1075 1178 145 499 12 431 - - 1232 2108
(3.8) (3.8) (2.5) (2.8) (3.0) (2.8) (0.0) (0.0) (3.6) (2.7)
Arunachal Pradesh 47 50 10 24 - - - - 57 74
Assam 700 777 67 317 6 287 - - 773 1381
Manipur 32 33 13 20 2 23 - - 47 76
Meghalaya 114 123 12 24 2 47 - - 128 194
Mizoram 52 54 8 14 1 24 - - 61 92
Nagaland 32 35 11 48 - - - - 43 83
Tripura 98 106 24 52 1 50 - - 123 208
Eastern Region 6706 7276 906 2219 90 2220 3 1540 7705 13255
(23.7) (23.4) (15.5) (12.4) (22.4) (14.3) (9.7) (10.9) (22.3) (16.8)
Andaman & Nicobar 14 17 2 20 - - - - 16 37
Bihar 2182 2337 422 795 18 395 1 265 2623 3792
Jharkhand 876 960 95 331 7 377 - - 978 1668
Orissa 1498 1623 101 463 8 547 - - 1607 2633
Sikkim 32 46 1 25 - - - - 33 71
West Bengal 2104 2293 285 585 57 901 2 1275 2448 5054
Central Region 6876 7653 1012 3048 80 2848 8 2014 7976 15563
(24.3) (24.6) (17.3) (17.0) (19.9) (18.3) (25.8) (14.2) (23.1) (19.8)
Chhattisgarh 568 643 73 232 7 308 - - 648 1183
Madhya Pradesh 1516 1734 270 894 23 716 2 534 1811 3878
Uttar Pradesh 4311 4725 632 1647 47 1594 6 1480 4996 9446
Uttarakhand 481 551 37 275 3 230 - - 521 1056
Western Region 3391 3716 787 2564 56 1679 11 4243 4246 12202
(12.0) (11.9) (13.4) (14.3) (13.9) (10.8) (35.5) (30.0) (12.3) (15.5)
Dadra & Nagar Haveli 4 4 2 17 - - - - 6 21
Daman & Diu - - 3 18 - - - - 3 18
Goa 127 157 23 252 - - - - 150 409
Gujarat 1309 1449 280 936 23 620 4 1284 1616 4289
Maharashtra 1951 2106 479 1341 33 1059 7 2959 2471 7465
Southern Region 5915 6464 2404 6947 110 5360 4 3259 8434 22030
(20.9) (20.8) (41.0) (38.8) (27.4) (34.5) (12.9) (23.1) (24.4) (28.0)
Andhra Pradesh 2133 2316 539 1464 45 1568 2 1003 2720 6351
Karnataka 1947 2130 305 1137 29 1280 1 1185 2282 5732
Kerala 278 329 1007 2631 10 1093 - - 1295 4053
Lakshadweep 7 7 2 3 - - - - 9 10
Puducherry 19 22 7 29 1 61 - - 27 112
Tamil Nadu 1531 1660 544 1683 25 1358 1 1071 2101 5772
All India 28280 31105 5863 17897 402 15530 31 14134 34578 78666
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
Notes : 1. No. of offices includes administrative offices.
2. Data for 2008 are revised.
3. Population group classification is based on 2001 census.
4. Figures in bracket indicate percentage share in all India total.
Source : Master Office File on commercial banks (latest updated version), Department of Statistics and Information Management, RBI.
7
TABLE 1.4 : STATE AND POPULATION GROUP-WISE DISTRIBUTION OF CENTRES AND
OFFICES OF COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
Northern Region 4354 4926 614 2815 54 3155 5 3294 5027 14190
(15.3) (15.5) (10.4) (14.8) (13.4) (19.0) (16.1) (21.9) (14.5) (17.2)
Chandigarh 12 24 1 1 1 287 - - 14 312
Delhi 47 56 22 36 - - 1 2219 70 2311
Haryana 611 691 137 468 19 924 1 118 768 2201
Himachal Pradesh 615 729 12 160 1 72 - - 628 961
Jammu & Kashmir 449 547 40 192 3 268 - - 492 1007
Punjab 994 1123 133 965 12 743 2 526 1141 3357
Rajasthan 1626 1756 269 993 18 861 1 431 1914 4041
North Eastern Region 1080 1197 145 535 12 460 - - 1237 2192
(3.8) (3.8) (2.5) (2.8) (3.0) (2.8) (0.0) (0.0) (3.6) (2.7)
Arunachal Pradesh 47 50 10 27 - - - - 57 77
Assam 701 788 67 334 6 307 - - 774 1429
Manipur 33 35 13 21 2 25 - - 48 81
Meghalaya 115 124 12 30 2 51 - - 129 205
Mizoram 53 55 8 14 1 26 - - 62 95
Nagaland 32 35 11 51 - - - - 43 86
Tripura 99 110 24 58 1 51 - - 124 219
Eastern Region 6725 7366 908 2397 90 2376 3 1587 7726 13726
(23.6) (23.2) (15.4) (12.6) (22.4) (14.3) (9.7) (10.6) (22.2) (16.7)
Andaman & Nicobar 14 17 2 20 - - - - 16 37
Bihar 2187 2356 424 846 18 433 1 281 2630 3916
Jharkhand 880 974 95 366 7 410 - - 982 1750
Orissa 1505 1654 101 514 8 588 - - 1614 2756
Sikkim 32 46 1 25 - - - - 33 71
West Bengal 2107 2319 285 626 57 945 2 1306 2451 5196
Central Region 6912 7786 1017 3297 80 3110 8 2137 8017 16330
(24.3) (24.6) (17.2) (17.3) (19.9) (18.7) (25.8) (14.2) (23.0) (19.8)
Chhattisgarh 570 654 73 254 7 346 - - 650 1254
Madhya Pradesh 1524 1756 270 977 23 787 2 569 1819 4089
Uttar Pradesh 4333 4806 637 1776 47 1731 6 1568 5023 9881
Uttarakhand 485 570 37 290 3 246 - - 525 1106
Western Region 3406 3793 790 2706 56 1820 11 4504 4263 12823
(12.0) (12.0) (13.4) (14.2) (13.9) (11.0) (35.5) (30.0) (12.3) (15.6)
Dadra & Nagar Haveli 4 5 2 19 - - - - 6 24
Daman & Diu - - 3 18 - - - - 3 18
Goa 127 159 23 265 - - - - 150 424
Gujarat 1316 1486 282 989 23 649 4 1357 1625 4481
Maharashtra 1959 2143 480 1415 33 1171 7 3147 2479 7876
Southern Region 5976 6631 2425 7332 110 5693 4 3491 8515 23147
(21.0) (20.9) (41.1) (38.4) (27.4) (34.3) (12.9) (23.3) (24.5) (28.1)
Andhra Pradesh 2163 2388 545 1537 45 1696 2 1077 2755 6698
Karnataka 1956 2166 307 1208 29 1343 1 1274 2293 5991
Kerala 279 332 1012 2712 10 1142 - - 1301 4186
Lakshadweep 7 8 2 3 - - - - 9 11
Puducherry 22 28 7 33 1 67 - - 30 128
Tamil Nadu 1549 1709 552 1839 25 1445 1 1140 2127 6133
All India 28453 31699 5899 19082 402 16614 31 15013 34785 82408
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
Notes : 1. No. of offices includes administrative offices.
2. Data for 2009 are provisional.
3. Population group classification is based on 2001 census.
4. Figures in bracket indicate percentage share in all India total.
Source : Master Office File on commercial banks (latest updated version), Department of Statistics and Information Management, RBI.
8
MAP - 1
STATE & UNION TERRITORY-WISE DISTRIBUTION OF OFFICES
OF COMMERCIAL BANKS - 2009
(As on March 31)
Himachal
Chandigarh 312
Pradesh
Punjab 961
3357
Uttarakhand
Haryana 1106
2201
Delhi Sikkim
2311 71
Uttara Pradesh
9881
Assam
Bihar 1429
3916
Madhya Pradesh
4089 West
Bengal
5196
Orissa
2756
9
TABLE 1.5 : OFFICES OF INDIAN COMMERCIAL BANKS
OUTSIDE INDIA - 2007 TO 2009
As on March 31
Sr. No. Name of the Country 2007 2008 2009
(1) (2) (3)
1 Afghanistan 1 1 1
2 Australia 1 1 1
3 Bahama 2 2 2
4 Bahrain 3 4 5
5 Bangladesh 4 4 4
6 Belgium 2 3 3
7 Cayman Island 1 1 1
8 Channel Islands 1 1 1
9 China 2 2 4
10 Fiji +
9 9 9
11 France 2 2 2
12 Germany 1 1 1
13 Hongkong 11 14 15
14 Israel 1 1 1
15 Japan 4 4 4
16 Kenya 4 4 4
17 Maldives Islands 1 1 2
18 Mauritius ++
8 8 8
19 Oman 4 4 4
20 Qatar .. 1 1
21 Seychelles 1 1 1
22 Singapore 9 9 12
23 South Africa 2 3 3
24 South Korea 1 1 1
25 Sri Lanka 7 7 7
26 Thailand 1 1 1
27 United Arab Emirates 8 9 9
28 United Kingdom 22 23 24
29 United States of America 6 7 7
Notes : 1. The table does not include representative office opened by Indian Banks outside India.
2. The table excludes (a) 22 Offices in former East Pakistan before the formation of Bangladesh.
The status of the properties of these offices, which were formerly vested with Custodian of Enemy Property,
Pakistan, remains unchanged and (b) 17 offices which were in Pakistan were taken over by that Government as
enemy property in September, 1965.
3. + : Includes two mobile offices.
++ : Includes one mobile office.
Source : Department of Banking Operations and Development, RBI.
10
TABLE 1.6 : REGION-WISE DISTRIBUTION OF OFFICES OF STATE AND
DISTRICT CENTRAL CO-OPERATIVE BANKS - 2008 AND 2009
As on March 31
Rural Semi-Urban Urban
Region/State/ 2008 2009 2008 2009 2008 2009
Union Territory No. of No. of No. of No. of No. of No. of No. of No. of No. of No. of No. of No. of
centres offices centres offices centres offices centres offices centres offices centres offices
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Northern Region 1373 1275 1397 1581 427 479 438 512 168 310 147 310
Haryana 274 147 281 454 44 78 47 83 44 88 44 84
Himachal Pradesh 290 312 313 316 29 36 30 38 9 9 9 9
Jammu & Kashmir 81 74 83 77 27 20 27 21 13 30 12 30
Punjab 599 599 594 594 136 135 123 141 51 86 43 104
Rajasthan 119 119 115 115 191 210 211 229 47 89 35 75
Delhi 5 19 5 19 .. .. .. .. .. .. .. ..
Chandigarh 5 5 6 6 .. .. .. .. 4 8 4 8
North-Eastern Region 62 92 70 94 27 57 21 5 18 76 29 74
Assam .. 18 18 .. 21 .. 21 .. 29 .. 29
Arunachal Pradesh 20 20 20 20 .. .. .. .. 9 13 9 13
Manipur 3 3 4 4 5 5 5 5 1 1 1 1
Meghalaya 20 20 20 20 5 5 5 5 6 16 7 16
Nagaland .. 12 .. 12 .. 9 .. 9 .. .. .. ..
Tripura 19 19 26 20 11 11 11 11 1 10 11 10
Mizoram .. .. .. .. 6 6 .. 6 1 7 1 5
Eastern Region 396 434 398 445 274 302 270 293 242 374 250 381
Bihar 141 141 144 154 83 89 68 68 45 85 60 94
Jharkhand 47 50 55 55 31 31 38 38 28 31 20 24
Orissa 138 142 129 134 92 109 96 114 65 100 64 97
Sikkim 2 4 2 4 2 2 2 2 .. .. .. ..
West Bengal 62 68 62 68 66 71 66 71 104 158 106 166
Andaman &
Nicobar Islands 6 29 6 30 .. .. .. .. .. .. .. ..
Central Region 988 1050 1008 1024 813 875 792 850 381 480 348 437
Chhatisgarh 147 147 147 147 21 21 21 21 22 35 22 35
Madhya Pradesh @ 232 294 240 256 162 221 154 201 112 198 93 168
Uttar Pradesh 493 493 505 505 557 557 555 555 228 228 218 218
Uttarakhand 116 116 116 116 73 76 62 73 19 19 15 16
Western Region 3627 2985 4065 2989 487 684 535 678 157 404 153 342
Gujarat and Dadra
& Nagar Haveli 545 647 789 766 168 182 203 212 13 35 21 67
Maharashtra # 3082 2338 3276 2223 311 473 324 437 139 332 127 238
Goa - - .. .. 8 29 8 29 5 37 5 37
Southern Region 716 892 774 888 460 1022 554 1039 327 578 367 585
Andhra Pradesh 254 248 243 239 198 203 201 207 68 96 74 100
Karnataka 192 280 267 286 67 155 148 152 95 155 108 162
Kerala* .. 87 .. 92 .. 467 .. 473 .. 126 126
Tamil Nadu 270 270 264 264 195 195 205 205 164 189 185 185
Puducherry .. 7 .. 7 .. 2 .. 2 .. 12 .. 12
All India 7162 6728 3647 4032 2488 3419 2075 2751 1293 2222 1141 1787
11
TABLE 1.6 : REGION-WISE DISTRIBUTION OF OFFICES OF STATE AND
DISTRICT CENTRAL CO-OPERATIVE BANKS - 2008 AND 2009 (Concld.)
As on March 31
Metropolitan Total
Region/State/ 2008 2009 2008 2009
Union Territory No. of No. of No. of No. of No. of No. of No. of No. of
centres offices centres offices centres offices centres offices
(13) (14) (15) (16) (17) (18) (19) (20)
All India 157 509 107 259 11100 12878 6970 8829
12
TABLE 1.7 : STATE-WISE DISTRIBUTION OF NUMBER OF BRANCHES OF STATE AND DISTRICT
CENTRAL CO-OPERATIVE BANKS - 2007 AND 2008
As on March 31
Region/State/ State-Cooperative Banks District Central Cooperative Banks Total
Union Territory 2007 2008 2007 2008 2007 2008
(13) (14) (15) (16) (17) (18)
13
TABLE 2.1 : BUSINESS OF SCHEDULED BANKS IN INDIA - 2008-09
No. of Reporting Banks 170 167 165 166 166 165 165
I. Liabilities to the banking system 98153 87836 91769 92438 100822 103738 106293
(a) Demand and time deposits from banks 46778 42925 41735 41524 39675 39736 42327
(b) Borrowings from banks 32996 28891 26315 25599 30167 33900 29064
(c) Other demand and time liabilities 18379 16020 23719 25315 30980 30102 34902
II. Liabilities to others in India 3601799 3591914 3629426 3651753 3684989 3779760 3848200
(a) Aggregate deposits 3196940 3201372 3237430 3252142 3292748 3386836 3439327
(i) Demand deposits 524310 461549 451609 446679 445342 469247 498899
(ii) Time Deposits 2672630 2739823 2785821 2805463 2847406 2917589 2940428
(c) Other demand and time liabilities 298355 289410 287921 294222 290750 286463 296469
III. Assets with the banking system 90876 79828 86581 89080 91242 98047 103185
Money at call and short notice 19925 14109 11668 11663 12700 18034 15602
VI. Cash in Hand & Balances with RBI 275166 272742 282095 301303 321246 332445 341783
(a) Government securities 958661 1005299 1009481 991906 969728 1003990 972265
(b) Other approved securities 13053 12805 12812 12860 12369 11807 12293
VI. Bank Credit 2361913 2325135 2361207 2393238 2407307 2460754 2551026
(a) Loans, cash credit and overdrafts 2261576 2226308 2260885 2293347 2308465 2358105 2444734
(b) Inland bills purchased 12594 12340 12170 11687 11805 12075 13118
(c) Inland bills discounted 40553 40921 41766 43062 43793 43540 43436
(d) Foreign bills purchased 16499 15820 16257 15298 17872 17880 19416
(e) Foreign bills discounted 30691 29746 30129 29844 25372 29154 30322
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
14
TABLE 2.1 : BUSINESS OF SCHEDULED BANKS IN INDIA - 2008-09 (Contd.)
I. Liabilities to the banking system 121991 118626 101717 95272 102158 100115
(a) Demand and time deposits from banks 44799 45971 45335 44271 44138 48855
(b) Borrowings from banks 36390 28926 27168 25595 27901 29487
(c) Other demand and time liabilities 40802 43729 29214 25406 30119 21773
II. Liabilities to others in India 3906419 3924582 3955431 4087545 4152350 4255566
(c) Other demand and time liabilities 303362 296519 295237 304993 302367 307520
III. Assets with the banking system 123329 121312 103705 105897 118622 122572
Money at call and short notice 20234 16405 14072 15599 19998 15038
VI. Cash in Hand & Balances with RBI 233603 234275 231128 218286 215788 258475
(b) Other approved securities 12483 11244 10933 9967 10452 10624
(a) Loans, cash credit and overdrafts 2512190 2534842 2548093 2545620 2573670 2675677
(b) Inland bills purchased 13333 12916 12957 12790 11619 11714
(c) Inland bills discounted 42324 38578 38402 38011 40759 43157
(d) Foreign bills purchased 18388 17997 17470 16380 16432 18522
(e) Foreign bills discounted 29746 28848 26813 24979 25448 26479
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
15
TABLE 2.1 : BUSINESS OF SCHEDULED BANKS IN INDIA - 2008-09 (Contd.)
I. Liabilities to the banking system 3570 4234 3929 3940 3863 3736 3747
(a) Demand and time deposits from banks 3527 4229 3912 3897 3836 3728 3719
II. Liabilities to others in India 104606 108039 107762 108076 109653 112141 111568
(a) Aggregate deposits 100135 103236 103807 104025 105093 107045 105824
(i) Demand deposits 11620 11807 11573 11428 11531 11885 11656
(ii) Time Deposits 88515 91429 92234 92597 93562 95160 94168
(c) Other demand and time liabilities 3263 3247 3211 3250 3445 3559 3745
III. Assets with the banking system 12534 13262 12539 12131 13932 14259 15592
Money at call and short notice 5841 6719 6220 5859 5597 5269 5420
IV. Cash in Hand & Balances with RBI 8348 9079 9591 9655 10466 10695 10773
(a) Government securities 33238 34507 35429 36511 36159 36626 35069
(b) Other approved securities 1000 1020 1068 1020 1009 1102 1043
VI. Bank Credit 85732 85384 84412 83445 83673 84936 86605
(a) Loans, cash credit and overdrafts 83894 83482 82589 81740 81858 82860 84371
(b) Inland bills purchased 394 403 451 357 398 526 754
(c) Inland bills discounted 846 927 805 783 864 985 898
(e) Foreign bills discounted 562 532 519 521 512 535 549
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
16
TABLE 2.1 : BUSINESS OF SCHEDULED BANKS IN INDIA - 2008-09 (Contd.)
I. Liabilities to the banking system 3980 4538 4515 4268 4213 4303
(a) Demand and time deposits from banks 3620 4180 4162 4219 4182 4279
II. Liabilities to others in India 111998 111631 111651 115997 119032 124102
(c) Other demand and time liabilities 3906 3541 3483 3621 3665 4189
III. Assets with the banking system 17548 18511 18124 17998 22690 24975
Money at call and short notice 7759 8202 7841 7430 9778 11257
IV. Cash in Hand & Balances with RBI 7647 7105 6994 6698 6605 7223
(b) Other approved securities 1075 1132 1115 1171 1191 1464
(a) Loans, cash credit and overdrafts 82198 80838 81161 82235 82576 81901
(b) Inland bills purchased 635 636 727 760 726 756
(c) Inland bills discounted 967 1067 991 807 892 830
(e) Foreign bills discounted 575 538 533 452 395 389
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
17
TABLE 2.1 : BUSINESS OF SCHEDULED BANKS IN INDIA - 2008-09 (Contd.)
No. of Reporting Banks 239 236 234 235 235 234 234
I. Liabilities to the banking system 101725 92072 95698 96378 104685 107475 110040
(a) Demand and time deposits from banks 50306 47154 45647 45421 43511 43465 46046
(b) Borrowings from banks 33034 28895 26330 25641 30192 33906 29090
(c) Other demand and time liabilities 18385 16023 23721 25316 30982 30104 34904
II. Liabilities to others in India 3706404 3699953 3737187 3759831 3794642 3891899 3959768
(a) Aggregate deposits 3297074 3304608 3341236 3356168 3397841 3493881 3545151
(i) Demand deposits 535930 473356 463181 458108 456873 481132 510555
(ii) Time Deposits 2761144 2831252 2878055 2898060 2940968 3012749 3034596
(c) Other demand and time liabilities 301618 292657 291132 297473 294195 290021 300214
III. Assets with the banking system 103410 93090 99120 101213 105174 112307 118777
Money at call and short notice 25766 20829 17889 17522 18297 23303 21022
IV. Cash in Hand & Balances with RBI 283514 281822 291686 310959 331712 343140 352557
(a) Government securities 991899 1039806 1044910 1028417 1005886 1040616 1007334
(b) Other approved securities 14053 13825 13880 13879 13378 12909 13336
VI. Bank Credit 2447646 2410517 2445619 2476683 2490980 2545691 2637631
(a) Loans, cash credit and overdrafts 2345470 2309789 2343474 2375087 2390323 2440965 2529105
(b) Inland bills purchased 12988 12742 12621 12044 12203 12601 13872
(c) Inland bills discounted 41400 41848 42571 43845 44657 44525 44334
(d) Foreign bills purchased 16535 15860 16305 15342 17913 17911 19449
(e) Foreign bills discounted 31253 30278 30648 30365 25884 29689 30871
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
18
TABLE 2.1 : BUSINESS OF SCHEDULED BANKS IN INDIA - 2008-09 (Concld.)
I. Liabilities to the banking system 125971 123164 106232 99540 106370 104418
(a) Demand and time deposits from banks 48419 50151 49497 48490 48319 53134
(b) Borrowings from banks 36749 29282 27519 25641 27928 29504
(c) Other demand and time liabilities 40803 43731 29216 25409 30123 21780
II. Liabilities to others in India 4018417 4036212 4067083 4203542 4271382 4379668
(c) Other demand and time liabilities 307268 300059 298721 308614 306032 311709
III. Assets with the banking system 140877 139822 121829 123895 141312 147546
Money at call and short notice 27993 24607 21913 23029 29776 26295
IV. Cash in Hand & Balances with RBI 241250 241380 238123 224984 222393 265699
(b) Other approved securities 13558 12376 12049 11138 11644 12089
(a) Loans, cash credit and overdrafts 2594387 2615679 2629253 2627855 2656246 2757577
(b) Inland bills purchased 13968 13551 13684 13550 12344 12470
(c) Inland bills discounted 43292 39645 39393 38818 41651 43987
(d) Foreign bills purchased 18419 18042 17496 16407 16463 18651
(e) Foreign bills discounted 30320 29386 27346 25431 25843 26868
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
19
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09
I. Liabilities to the banking system 21225 16460 14304 12660 12553 12691 14422
(a) Demand and time deposits from banks 16556 12851 12243 10887 10061 9395 10479
(b) Borrowings from banks 1957 1472 881 677 1310 1282 2199
(c) Other demand and time liabilities 2712 2137 1180 1096 1182 2014 1744
II. Liabilities to others in India 829675 830045 836968 841855 863231 885506 897241
(a) Aggregate deposits 728055 727223 737615 736096 757392 790205 802706
(i) Demand deposits 115373 91992 87400 84177 85461 92297 98348
(ii) Time Deposits 612682 635231 650215 651919 671931 697908 704358
(c) Other demand and time liabilities 100412 101891 98242 104165 104369 93794 93282
III. Assets with the banking system 14618 12598 11599 11415 10319 11748 12408
Money at call and short notice 4667 1855 1042 1469 1825 2161 4741
IV. Cash in hand 3358 3430 3798 4817 3867 4191 4329
(a) Government securities 215506 229680 229612 231800 222699 233469 217426
(b) Other approved securities 3505 3491 3492 3446 3087 3041 3025
VI. Bank Credit 534057 535238 552934 556422 553438 568962 588763
(a) Loans, cash credit and overdrafts 506584 508817 526209 529786 526294 541603 562266
(b) Inland bills purchased 3504 3678 3679 3329 3380 3237 3292
(c) Inland bills discounted 14259 14041 14496 15167 15575 15619 14871
(d) Foreign bills purchased 1039 1029 1074 1005 1145 1103 1045
(e) Foreign bills discounted 8671 7673 7476 7135 7044 7400 7289
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
20
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)
I. Liabilities to the banking system 15503 14283 13291 12422 15702 14902
(a) Demand and time deposits from banks 11856 10249 9385 9465 11067 11925
(b) Borrowings from banks 1995 2440 2306 1463 1171 1168
(c) Other demand and time liabilities 1652 1594 1600 1494 3464 1809
II. Liabilities to others in India 934847 938070 961845 1002099 1034009 1043609
(c) Other demand and time liabilities 93439 91208 92788 100889 100596 102309
III. Assets with the banking system 14643 13491 14293 16424 19712 20214
Money at call and short notice 3220 2046 2021 3391 4715 1961
(b) Other approved securities 2974 2728 2564 2424 2412 2367
(a) Loans, cash credit and overdrafts 584975 590153 592358 593456 604414 611487
(b) Inland bills purchased 3344 3067 2779 2754 2647 2389
(c) Inland bills discounted 13476 12509 10750 11732 13386 14000
(d) Foreign bills purchased 1078 1069 1087 1043 923 992
(e) Foreign bills discounted 6975 6652 6493 6138 6481 6711
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
21
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)
Nationalised Banks $
I. Liabilities to the banking system 38742 35444 34734 35537 33489 39093 35463
(a) Demand and time deposits from banks 19754 19686 19733 20058 18931 20046 21394
(b) Borrowings from banks 16540 13282 12603 13130 12306 16870 11953
(c) Other demand and time liabilities 2448 2476 2398 2349 2252 2177 2116
II. Liabilities to others in India 1704660 1707521 1717772 1735855 1751709 1789136 1832175
(a) Aggregate deposits 1545472 1555617 1566678 1584304 1601670 1633759 1671192
(i) Demand deposits 195756 175754 170787 170017 171135 174723 186540
(ii) Time Deposits 1349716 1379863 1395891 1414287 1430535 1459036 1484652
(c) Other demand and time liabilities 103237 94170 92917 94731 93934 96071 100433
III. Assets with the banking system 21804 17708 17565 17274 17253 20090 16406
Money at call and short notice 7988 5152 4208 4345 4775 7969 4248
VI. Cash in hand 6954 7238 7453 7384 7682 7857 8819
(a) Government securities 437767 478232 481354 465879 455437 470066 461886
(b) Other approved securities 7278 7090 7127 7089 6778 6722 6652
VI. Bank Credit 1136093 1098289 1103049 1125211 1145196 1170284 1224241
(a) Loans, cash credit and overdrafts 1093396 1057612 1062895 1084457 1104365 1128911 1180690
(b) Inland bills purchased 6021 5723 5522 5463 5422 5796 6659
(c) Inland bills discounted 12379 12165 11769 12126 12493 12516 12298
(d) Foreign bills purchased 11252 10591 10999 10218 12617 12547 13288
(e) Foreign bills discounted 13045 12198 11864 12947 10299 10514 11306
22
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)
Nationalised Banks $
I. Liabilities to the banking system 39990 37707 39398 38916 41746 43087
(a) Demand and time deposits from banks 23719 24666 24930 24293 24844 28540
(b) Borrowings from banks 14306 10905 12020 12600 14780 12604
(c) Other demand and time liabilities 1965 2136 2448 2023 2122 1943
II. Liabilities to others in India 1849057 1865100 1871476 1950503 1983678 2049016
(c) Other demand and time liabilities 100067 95626 95773 105279 103059 105063
III. Assets with the banking system 24457 19182 17278 16895 20468 21767
Money at call and short notice 9700 6430 4455 5650 8620 6923
(b) Other approved securities 6572 6427 6314 6055 5886 5735
(a) Loans, cash credit and overdrafts 1213404 1226752 1247499 1256546 1274781 1339988
(b) Inland bills purchased 6877 6871 7133 7009 5986 6297
(c) Inland bills discounted 13021 13803 14158 13987 14018 14119
(d) Foreign bills purchased 12681 12342 11844 11412 11203 11892
(e) Foreign bills discounted 11508 11178 11178 10572 10889 10838
23
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)
I. Liabilities to the banking system 578 595 586 627 609 620 657
(a) Demand and time deposits from banks 173 171 183 199 196 199 184
(b) Borrowings from banks 313 332 312 336 295 282 299
II. Liabilities to others in India 96755 98006 98866 100309 96016 97226 104971
(a) Aggregate deposits 94412 95378 96304 97508 93373 94703 102235
(i) Demand deposits 21022 21516 21459 21719 21420 21617 22096
(ii) Time Deposits 73390 73862 74845 75789 71953 73086 80139
(c) Other demand and time liabilities 2341 2627 2560 2799 2489 2523 2735
III. Assets with the banking system 20603 21333 21951 21855 20645 19824 22619
Money at call and short notice 3063 3758 4231 3554 2193 2205 3860
IV. Cash in hand 1104 1033 1124 1101 1049 935 1076
(a) Government securities 23411 23904 24124 24533 23254 24016 25134
(b) Other approved securities 1976 1932 1900 2031 2222 1765 2345
VI. Bank Credit 57417 58090 58162 58738 52410 53630 58081
(a) Loans, cash credit and overdrafts 57357 58058 58143 58721 52389 53608 58047
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
24
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)
I. Liabilities to the banking system 586 677 730 696 736 911
(a) Demand and time deposits from banks 185 166 369 353 265 446
(b) Borrowings from banks 270 399 261 242 350 354
(c) Other demand and time liabilities 131 112 100 101 121 111
II. Liabilities to others in India 102711 105631 106865 109774 111988 116731
(c) Other demand and time liabilities 2847 2778 2707 2701 2830 2881
III. Assets with the banking system 23861 26068 26722 27547 27873 32039
Money at call and short notice 4229 4645 4684 3119 3116 3723
(b) Other approved securities 2667 1825 1797 1242 1913 2296
(a) Loans, cash credit and overdrafts 58602 59913 60782 62296 63324 63890
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
25
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)
I. Liabilities to the banking system 16329 15194 16384 15978 19280 17910 16902
(a) Demand and time deposits from banks 9809 9793 9109 9877 9794 9184 8756
(b) Borrowings from banks 5021 3815 5699 4584 7978 7248 6625
(c) Other demand and time liabilities 1499 1586 1576 1517 1508 1478 1521
II. Liabilities to others in India 724359 722023 735736 733966 734793 751873 750174
(a) Aggregate deposits 640991 640140 653633 654162 653890 669806 663343
(i) Demand deposits 123389 107139 109092 110884 106775 112624 116880
(ii) Time Deposits 517602 533001 544541 543278 547115 557182 546463
(c) Other demand and time liabilities 62482 61761 62319 59649 59107 60707 61480
III. Assets with the banking system 10901 9407 6779 7494 8431 9184 9705
Money at call and short notice 2801 1327 653 649 1449 2590 1620
IV. Cash in hand 6063 5872 5964 5997 6214 7743 8719
(a) Government securities 193897 197090 196535 196001 197724 195490 190457
(b) Other approved securities 280 278 278 277 269 266 258
VI. Bank Credit 471479 469407 480016 483312 485950 489621 495614
(a) Loans, cash credit and overdrafts 455731 453323 463255 466957 470303 473132 478302
(b) Inland bills purchased 2116 1984 2064 1990 1977 1911 2022
(c) Inland bills discounted 9563 10193 10815 10408 9899 10307 10764
(d) Foreign bills purchased 2076 2019 1876 1975 2003 1971 2208
(e) Foreign bills discounted 1993 1888 2006 1982 1768 2300 2318
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
26
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)
I. Liabilities to the banking system 19448 17268 15592 15019 12581 13349
(a) Demand and time deposits from banks 7437 8910 8982 8546 6672 6893
(b) Borrowings from banks 10413 6746 5075 4948 4357 4900
(c) Other demand and time liabilities 1598 1612 1535 1525 1552 1556
II. Liabilities to others in India 749045 747721 745593 757047 754514 774882
(c) Other demand and time liabilities 60712 61903 60337 60047 60947 61502
III. Assets with the banking system 10525 10322 9888 9682 10074 12300
Money at call and short notice 2662 2605 2611 2064 2579 1638
(b) Other approved securities 256 251 246 234 230 218
(a) Loans, cash credit and overdrafts 486043 492963 486551 474937 474428 505365
(b) Inland bills purchased 1893 1913 2026 1988 1882 2024
(c) Inland bills discounted 10419 7195 8990 8543 9705 11523
(d) Foreign bills purchased 2363 2323 2301 1866 2234 2552
(e) Foreign bills discounted 2420 2343 2179 1910 1842 2029
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
27
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)
Foreign Banks
I. Liabilities to the banking system 21279 20144 25761 27639 34892 33426 38848
(a) Demand and time deposits from banks 486 423 466 504 694 913 1513
(b) Borrowings from banks 9165 9991 6820 6874 8279 8219 7988
(c) Other demand and time liabilities 11628 9730 18475 20261 25919 24294 29347
II. Liabilities to others in India 246351 234320 240083 239767 239240 256018 263639
(i) Demand deposits 68769 65149 62870 59882 60552 67986 75034
(ii) Time Deposits 119241 117867 120329 120189 125871 130377 124816
(c) Other demand and time liabilities 29884 28960 31883 32878 30851 33368 38539
III. Assets with the banking system 22952 18780 28688 31043 34592 37201 42049
Money at call and short notice 1406 2017 1534 1646 2458 3109 1133
IV. Cash in hand 565 622 629 605 610 503 538
(a) Government securities 88082 76392 77856 73694 70614 80949 77362
VI. Bank Credit 162868 164111 167046 169555 170312 178257 184327
(a) Loans, cash credit and overdrafts 148508 148498 150382 153425 155114 160850 165429
(b) Inland bills purchased 903 931 893 894 1010 1114 1117
(c) Inland bills discounted 4342 4513 4680 5355 5820 5093 5497
(d) Foreign bills purchased 2132 2182 2308 2101 2107 2260 2875
(e) Foreign bills discounted 6983 7987 8783 7780 6261 8940 9409
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
28
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)
Foreign Banks
I. Liabilities to the banking system 46463 48691 32706 28219 31392 27865
(a) Demand and time deposits from banks 1601 1981 1669 1614 1289 1052
(b) Borrowings from banks 9406 8435 7506 6342 7244 10460
(c) Other demand and time liabilities 35456 38275 23531 20263 22859 16353
II. Liabilities to others in India 270760 268058 269653 268122 268163 271329
(c) Other demand and time liabilities 46298 45003 43633 36077 34936 35765
III. Assets with the banking system 49846 52250 35524 35348 40496 36251
Money at call and short notice 423 679 301 1376 968 793
(a) Loans, cash credit and overdrafts 169165 165062 160903 158385 156723 154947
(b) Inland bills purchased 1193 1046 976 986 1043 904
(c) Inland bills discounted 5400 5065 4498 3747 3643 3504
(d) Foreign bills purchased 2265 2263 2230 2050 2063 3077
(e) Foreign bills discounted 8833 8666 6963 6359 6236 6902
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
29
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)
I. Liabilities to the banking system 2079 2118 1818 1862 1874 1856 1882
(a) Demand and time deposits from banks 2037 2113 1802 1846 1848 1849 1854
II. Liabilities to others in India 60738 61977 61973 62253 63574 64380 65169
(a) Aggregate deposits 57738 58821 59420 59670 60632 61462 62053
(i) Demand deposits 8428 8339 8804 8657 8658 8702 8730
(ii) Time Deposits 49310 50482 50616 51013 51974 52760 53323
(c) Other demand and time liabilities 1992 1751 1810 1782 1827 1908 2153
III. Assets with the banking system 5820 5726 5497 5483 5800 5805 6163
Money at call and short notice 678 846 1012 999 1203 1026 1118
IV. Cash in hand 464 486 498 496 529 536 513
(a) Government securities 18137 18560 19005 19263 19001 19685 19639
(b) Other approved securities 328 327 359 351 337 345 333
VI. Bank Credit 38846 39019 38995 37882 38416 39113 39604
(a) Loans, cash credit and overdrafts 37013 37145 37182 36185 36606 37042 37375
(b) Inland bills purchased 392 378 446 353 396 524 752
(c) Inland bills discounted 846 927 805 783 864 985 898
(e) Foreign bills discounted 562 532 519 521 512 535 549
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
30
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)
I. Liabilities to the banking system 2161 2152 2138 1859 1971 2019
(a) Demand and time deposits from banks 1803 1794 1787 1811 1941 1997
II. Liabilities to others in India 65335 65015 64576 66926 67811 69602
(c) Other demand and time liabilities 2162 2027 1910 2017 1943 2257
III. Assets with the banking system 6160 5932 5743 5647 6690 6497
Money at call and short notice 1285 1062 845 792 1444 1133
(b) Other approved securities 342 328 332 371 369 360
(a) Loans, cash credit and overdrafts 38534 38786 39019 39469 39876 39536
(b) Inland bills purchased 633 634 726 756 723 753
(c) Inland bills discounted 967 1067 991 806 892 830
(e) Foreign bills discounted 575 538 533 452 395 389
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
31
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)
I. Liabilities to the banking system 1491 2116 2111 2078 1989 1880 1865
(a) Demand and time deposits from banks 1490 2116 2111 2051 1988 1879 1865
II. Liabilities to others in India 43866 46060 45787 45824 46079 47760 46399
(a) Aggregate deposits 42396 44414 44387 44356 44461 45583 43771
(i) Demand deposits 3192 3468 2769 2772 2873 3183 2926
(ii) Time Deposits 39204 40946 41618 41584 41588 42400 40845
(c) Other demand and time liabilities 1270 1496 1400 1468 1618 1650 1592
III. Assets with the banking system 6712 7536 7042 6648 8133 8453 9430
Money at call and short notice 5162 5873 5208 4860 4394 4242 4302
(a) Government securities 15101 15947 16424 17248 17157 16940 15430
(b) Other approved securities 672 693 709 669 673 757 709
VI. Bank Credit 46886 46364 45417 45561 45256 45822 47002
(a) Loans, cash credit and overdrafts 46881 46336 45408 45554 45251 45817 46996
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
32
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Concld.)
I. Liabilities to the banking system 1818 2385 2376 2410 2242 2285
(a) Demand and time deposits from banks 1817 2385 2374 2409 2241 2282
II. Liabilities to others in India 46663 46615 47076 49071 51221 54500
(c) Other demand and time liabilities 1744 1514 1574 1604 1722 1932
III. Assets with the banking system 11386 12579 12382 12352 16000 18480
Money at call and short notice 6474 7140 6996 6638 8334 10125
(b) Other approved securities 733 804 783 800 823 1105
(a) Loans, cash credit and overdrafts 43663 42051 42141 42766 42700 42365
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
33
GRAPH - 2
SCHEDULED COMMERCIAL BANKS’ BUSINESS IN INDIA: 2001 TO 2009
(As on the last reporting Friday of Month)
3000000
2500000
2000000
Rs. in crore
1500000
1000000
500000
0
Sep-05
Sep-06
Sep-03
Sep-04
May-05
Jan-06
May-06
Jan-07
Sep-01
Sep-02
Jan-04
May-04
Jan-05
May-02
Jan-03
May-03
Jan-01
May-01
Jan-02
Aggregate Deposits Bank Credit * Investments Cash in hand & balances with RBI
34
TABLE 2.3 : STATE-WISE DISTRIBUTION OF DEPOSITS AND CREDIT OF
SCHEDULED COMMERCIAL BANKS IN INDIA - 2008 AND 2009
As on March 31
Deposits Credits
Region / State / No. of Amount Per cent Amount Per cent Amount Per cent Amount Per cent
Union Territory reporting (in Rs. share in (in Rs. share in (in Rs. share in (in Rs. share in
offices cores) total cores) total cores) total cores) total
deposits deposits deposits deposits
Northern Region 12692 13575 752297 23.3 897754 22.8 501055 20.9 615261 21.5
Chandigarh 239 254 23952 0.7 27857 0.7 22516 0.9 31788 1.1
Delhi 1939 2144 435983 13.5 517150 13.1 286304 12.0 354425 12.4
Haryana 1973 2143 74367 2.3 87204 2.2 45048 1.9 53617 1.9
Himachal Pradesh 890 947 18781 0.6 23607 0.6 8195 0.3 9100 0.3
Jammu & Kashmir 914 956 25148 0.8 29355 0.7 12090 0.5 13587 0.5
Punjab 3043 3229 101046 3.1 120667 3.1 66998 2.8 79064 2.8
Rajasthan 3694 3902 73020 2.3 91914 2.3 59904 2.5 73680 2.6
North Eastern Region 2017 2114 50016 1.5 63247 1.6 19531 0.8 22642 0.8
Arunachal Pradesh 74 77 2807 0.1 3682 0.1 817 0.0 914 0.0
Assam 1317 1369 31666 1.0 39427 1.0 13057 0.5 15115 0.5
Manipur 76 80 1830 0.1 2368 0.1 864 0.0 916 0.0
Meghalaya 188 200 4811 0.1 6157 0.2 1464 0.1 1702 0.1
Mizoram 88 93 1499 0.0 1746 0.0 838 0.0 1025 0.0
Nagaland 80 83 2611 0.1 3473 0.1 867 0.0 1065 0.0
Tripura 194 212 4792 0.1 6394 0.2 1624 0.1 1905 0.1
Eastern Region 12730 13333 356687 11.0 445352 11.3 182670 7.6 217753 7.6
Andaman & Nicobar Islands 37 37 1110 0.0 1394 0.0 348 0.0 449 0.0
Bihar 3676 3826 68597 2.1 86653 2.2 20373 0.9 23624 0.8
Jharkhand 1599 1706 43565 1.3 55513 1.4 15313 0.6 17789 0.6
Orissa 2501 2670 53732 1.7 70626 1.8 30396 1.3 35856 1.3
Sikkim 70 71 2073 0.1 2517 0.1 985 0.0 1066 0.0
West Bengal 4847 5023 187610 5.8 228649 5.8 115255 4.8 138969 4.9
Central Region 14751 15767 362400 11.2 449939 11.4 170989 7.1 201735 7.1
Chhattisgarh 1117 1189 30967 1.0 39437 1.0 16190 0.7 21018 0.7
Madhya Pradesh 3681 3901 81502 2.5 100971 2.6 49177 2.1 57957 2.0
Uttar Pradesh 8983 9595 213594 6.6 264369 6.7 95942 4.0 111185 3.9
Uttarakhand 970 1082 36337 1.1 45162 1.1 9680 0.4 11575 0.4
Western Region 11365 12118 1005403 31.1 1218766 31.0 893203 37.3 1037797 36.3
Dadra & Nagar Haveli 21 24 627 0.0 771 0.0 160 0.0 160 0.0
Daman & Diu 18 18 1097 0.0 1281 0.0 163 0.0 242 0.0
Goa 375 399 18925 0.6 23910 0.6 5525 0.2 6343 0.2
Gujarat 4039 4283 152691 4.7 187906 4.8 99515 4.2 118684 4.2
Maharashtra 6912 7394 832063 25.8 1004898 25.5 787840 32.9 912368 31.9
Southern Region 20771 22149 702016 21.7 862279 21.9 627118 26.2 762338 26.7
Andhra Pradesh 5990 6443 177567 5.5 217453 5.5 162595 6.8 212178 7.4
Karnataka 5390 5716 210349 6.5 256709 6.5 164110 6.9 196719 6.9
Kerala 3836 4016 109103 3.4 135173 3.4 71226 3.0 81612 2.9
Lakshadweep 10 11 326 0.0 480 0.0 25 0.0 26 0.0
Puducherry 104 122 4722 0.1 5472 0.1 2332 0.1 2840 0.1
Tamil Nadu 5441 5841 199949 6.2 246992 6.3 226830 9.5 268963 9.4
All India 74326 79056 3228819 100.0 3937337 100.0 2394566 100.0 2857526 100.0
Notes : Population per office, per capita deposits and per capita credit figures are worked out on the basis of
the mid-year population figures supplied by the Office of the Registrar General, Government of India.
Source : Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks, March 2008 & 2009, RBI.
35
TABLE 2.3 : STATE-WISE DISTRIBUTION OF DEPOSITS AND CREDIT OF
SCHEDULED COMMERCIAL BANKS IN INDIA - 2008 AND 2009 (Concld.)
As on March 31
Deposits Credits
Region / State / Population Per Deposit Per Credit
Union Territory per capita per capita per
office deposit office credit office
in Rs.) (in Rs. lakh) (in Rs.) (Rs. lakh)
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Northern Region 11724 11140 50557 59363 5927 6613 33673 40684 3948 4532
Chandigarh 4569 4378 219341 250513 10022 10967 206190 285863 9421 12515
Delhi 9406 8726 239039 276433 22485 24121 156974 189451 14766 16531
Haryana 11387 10642 33101 38237 3769 4069 20051 23510 2283 2502
Himachal Pradesh 8745 8304 24131 30019 2110 2493 10529 11572 921 961
Jammu & Kashmir 12472 12026 22062 25533 2751 3071 10606 11818 1323 1421
Punjab 8505 8105 39044 46107 3321 3737 25888 30211 2202 2449
Rajasthan 16768 16164 11789 14573 1977 2356 9671 11682 1622 1888
North Eastern Region 22169 21470 11186 13935 2480 2992 4368 4989 968 1071
Arunachal Pradesh 19757 19325 19200 24745 3793 4782 5588 6142 1104 1187
Assam 22272 21720 10796 13259 2404 2880 4451 5083 991 1104
Manipur 40447 39088 5953 7573 2408 2960 2811 2929 1137 1145
Meghalaya 15814 15120 16182 20360 2559 3079 4924 5628 779 851
Mizoram 13284 12796 12823 14672 1703 1877 7169 8613 952 1102
Nagaland 26050 25590 12529 16351 3264 4184 4160 5014 1084 1283
Tripura 23814 22165 10372 13607 2470 3016 3515 4054 837 899
Eastern Region 19044 18445 14713 18109 2802 3340 7535 8854 1435 1633
Andaman & Nicobar Islands 12757 13000 23517 28981 3000 3768 7373 9335 941 1214
Bihar 31301 30611 5962 7399 1866 2265 1771 2017 554 617
Jharkhand .. .. .. .. 2725 3254 .. .. 958 1043
Orissa 15413 14560 13939 18167 2148 2645 7885 9223 1215 1343
Sikkim 9771 9789 30307 36216 2961 3545 14401 15338 1407 1501
West Bengal 18087 17671 21400 25761 3871 4552 13147 15657 2378 2767
Central Region 19961 19068 12308 14966 2457 2854 5807 6710 1159 1279
Chhattisgarh .. .. .. .. 2772 3317 .. .. 1449 1768
Madhya Pradesh 24924 23930 8884 10816 2214 2588 5360 6209 1336 1486
Uttar Pradesh 22565 21605 10537 12753 2378 2755 4733 5364 1068 1159
Uttarakhand .. .. .. .. 3746 4174 .. .. 998 1070
Western Region 13711 13007 64520 77324 8846 10057 57319 65843 7859 8564
Dadra & Nagar Haveli 11095 9875 26910 32532 2986 3213 6867 6751 762 667
Daman & Diu 9500 9667 64152 73621 6094 7117 9532 13908 906 1344
Goa 5168 4937 97652 121371 5047 5992 28509 32198 1473 1590
Gujarat 13353 12757 28312 34391 3780 4387 18452 21722 2464 2771
Maharashtra 14403 13605 83577 99891 12038 13591 79135 90694 11398 12339
Southern Region 11668 11048 28967 35238 3380 3893 25876 31154 3019 3442
Andhra Pradesh 13752 12914 21556 26134 2964 3375 19739 25500 2714 3293
Karnataka 10691 10201 36505 44027 3903 4491 28480 33738 3045 3442
Kerala 9077 8744 31333 38495 2844 3366 20455 23242 1857 2032
Lakshadweep 8700 8000 37471 54545 3260 4364 2874 2955 250 236
Puducherry 13077 11344 34721 39538 4540 4485 17147 20520 2242 2328
Tamil Nadu 12146 11402 30255 37085 3675 4229 34322 40384 4169 4605
All India 15184 14490 28610 34372 4344 4980 21218 24945 3222 3615
Notes : Population per office, per capita deposits and per capita credit figures are worked out on the basis of
the mid-year population figures supplied by the Office of the Registrar General, Government of India.
Source : Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks, March 2008 & 2009, RBI.
36
TABLE 2.4 : STATE AND BANK GROUP-WISE DISTRIBUTION OF DEPOSITS AND CREDIT
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009
(Amount in Rs. crore)
As on March 31
Region / State / State Bank of India and its Associates Nationalised Banks
Union Territory 2008 2009 2008 2009
Deposits Credit Deposits Credit Deposits Credit Deposits Credit
(1) (2) (3) (4) (5) (6) (7) (8)
Northern Region 158306 111457 201171 140036 385158 271760 468871 332858
(21.7) (22.2) (21.2) (21.2) (24.6) (23.5) (24.1) (23.1)
Haryana 13654 12971 18242 15015 38802 24584 44430 29575
Himachal Pradesh 6792 3186 8574 3766 10427 4408 12792 4735
Jammu & Kashmir 4256 1371 5047 1420 3745 1737 4321 1817
Punjab 25793 21882 32196 26410 61926 38423 73092 45319
Rajasthan 24384 18590 32821 20865 29729 28721 36400 37948
Chandigarh 6001 5736 7711 9600 11821 13159 13700 16368
Delhi 77426 47721 96580 62960 228708 160728 284136 197096
North Eastern Region 21850 9335 28574 11078 21065 7325 26092 8001
(3.0) (1.7) (3.0) (1.7) (1.3) (0.6) (1.3) (0.6)
Arunachal Pradesh 2029 647 2738 718 652 147 750 171
Assam 12560 5577 16244 6667 14637 5495 18229 6039
Manipur 905 503 1087 558 870 328 1145 327
Meghalaya 2453 875 3335 1049 1705 468 2041 509
Mizoram 932 607 1020 740 284 86 309 94
Nagaland 1370 598 1976 762 941 231 1099 253
Tripura 1601 528 2174 584 1976 570 2519 608
Eastern Region 98986 53581 133844 64268 191176 95617 231681 115838
(13.6) (9.8) (14.1) (9.7) (12.2) (8.3) (11.9) (8.0)
Bihar 23228 6307 30029 7062 35202 10176 43501 11889
Jharkhand 16749 5801 23291 6833 22133 7631 26726 8861
Orissa 19513 12563 26773 14731 23960 12890 30042 15119
Sikkim 928 462 1050 494 890 453 1152 502
West Bengal 38046 28261 52005 34894 108480 64317 129676 79283
Andaman & Nicobar 522 187 696 254 511 150 584 184
Central Region 105639 53590 139947 61043 201023 92129 243241 111090
(14.5) (9.8) (14.7) (9.2) (12.8) (8.0) (12.5) (7.7)
Chhattisgarh 11301 7263 14595 10916 14838 6685 18418 7519
Madhya Pradesh 31841 20990 40937 24340 38354 21055 46602 25322
Uttar Pradesh 43471 22277 58810 22098 134099 59119 162223 72144
Uttarakhand 19026 3060 25605 3689 13732 5270 15998 6105
Western Region 163614 150614 214202 183360 454685 409960 596715 520077
(22.5) (27.6) (22.5) (27.8) (29.1) (35.5) (30.6) (36.1)
Goa 3952 1230 5141 1364 11973 3513 15092 4025
Gujarat 35144 27402 49198 32089 90224 52385 109129 65046
Maharashtra 123785 121901 159001 149751 351828 353842 471677 450788
Dadra & Nagar Haveli 51 18 68 29 385 126 499 113
Daman & Diu 682 63 794 127 275 94 318 105
Southern Region 179978 167072 233057 200288 311420 279602 381207 354549
(24.7) (30.6) (24.5) (30.3) (19.9) (24.2) (19.6) (24.6)
Andhra Pradesh 57431 52305 74175 66321 78677 75427 95067 101930
Karnataka 49040 38968 62930 47646 93932 78930 117065 94183
Kerala 35697 24853 46240 27937 33063 21486 38676 24847
Tamil Nadu 36660 50380 48249 57727 102837 102609 126926 132154
Lakshadweep 87 3 121 2 239 22 359 23
Puducherry 1063 563 1342 655 2672 1128 3114 1412
All India 728373 545649 950795 660073 1564527 1156393 1947807 1442413
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
Note : Figures in bracket indicate per cent share in all India total.
Source : Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks, March 2008 & 2009, RBI.
37
TABLE 2.4 : STATE AND BANK GROUP-WISE DISTRIBUTION OF DEPOSITS AND CREDIT
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
(Amount in Rs. crore)
As on March 31
Region / State / Foreign Banks Regional Rural Banks
Union Territory 2008 2009 2008 2009
Deposits Credit Deposits Credit Deposits Credit Deposits Credit
(9) (10) (11) (12) (13) (14) (15) (16)
Northern Region 32768 38797 41270 44941 13326 8056 16301 9677
(18.0) (23.8) (20.2) (26.6) (13.7) (13.8) (13.7) (14.4)
Haryana 2298 1410 2988 1431 3430 2067 4027 2747
Himachal Pradesh - - - - 967 392 1119 463
Jammu & Kashmir - - - - 1293 432 1434 483
Punjab 481 114 555 337 1629 1028 2060 1281
Rajasthan 347 438 412 787 6007 4137 7661 4703
Chandigarh 476 165 633 287 - - - -
Delhi 29166 36670 36682 42099 - - - -
North Eastern Region 186 2 169 13 4270 2131 5534 2461
(0.1) (0.0) (0.1) (0.0) (4.4) (3.6) (4.7) (3.7)
Arunachal Pradesh - - - - 86 22 122 23
Assam 186 2 169 13 2496 1313 3040 1468
Manipur - - - - 55 33 72 30
Meghalaya - - - - 316 97 404 119
Mizoram - - - - 223 142 317 171
Nagaland - - - - 17 8 24 8
Tripura - - - - 1077 516 1555 642
Eastern Region 8542 6233 9006 5751 22063 10177 27548 11501
(4.7) (3.8) (4.4) (3.4) (22.7) (17.4) (23.2) (17.1)
Bihar 73 3 131 - 8710 3661 11079 4352
Jharkhand - - - - 2281 688 2780 721
Orissa 79 2 72 1 5164 3200 6647 3491
Sikkim - - - - - - - -
West Bengal 8390 6228 8803 5750 5908 2628 7042 2937
Andaman & Nicobar Islands - - - - - - - -
Central Region 1655 401 2194 528 31580 15097 37845 17493
(0.9) (0.2) (1.1) (0.3) (32.4) (25.8) (31.9) (26.1)
Chhattisgarh 15 7 24 6 2626 831 3234 971
Madhya Pradesh 208 146 220 221 6655 3554 8029 4033
Uttar Pradesh 1432 248 1950 301 21304 10248 25392 11840
Uttarakhand - - - - 995 464 1190 649
Western Region 110260 72862 115605 67867 5696 3044 6797 3378
(60.7) (44.6) (56.5) (40.2) (5.9) (5.2) (5.7) (5.0)
Goa - - - - - - - -
Gujarat 1833 2031 2273 2107 2769 1525 3506 1722
Maharashtra 108427 70831 113332 65760 2927 1519 3291 1656
Dadra & Nagar Haveli - - - - - - - -
Daman & Diu - - - - - - - -
Southern Region 28186 44906 36469 49876 20407 20072 24670 22604
(15.5) (27.5) (17.8) (29.5) (21.0) (34.3) (20.8) (33.7)
Andhra Pradesh 3323 3545 5181 4751 8294 7925 9572 8891
Karnataka 15203 14927 17327 17464 7497 7082 9337 7916
Kerala 628 273 860 468 3009 3410 3670 3691
Tamil Nadu 9010 26152 13080 27169 1607 1655 2085 2102
Lakshadweep - - - - - - - -
Puducherry 22 9 21 24 - - 6 4
All India 181597 163201 204713 168976 97342 58577 118695 67114
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
Note : Figures in bracket indicate per cent share in all India total.
Source : Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks, March 2008 & 2009, RBI.
38
TABLE 2.4 : STATE AND BANK GROUP-WISE DISTRIBUTION OF DEPOSITS AND CREDIT
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
(Amount in Rs. crore)
As on March 31
Region / State / Other Scheduled Commercial Banks All Scheduled Commercial Banks
Union Territory 2008 2009 2008 2009
Deposits Credit Deposits Credit Deposits Credit Deposits Credit
(17) (18) (19) (20) (21) (22) (23) (24)
Northern Region 162737 70987 170142 87749 752295 501057 897754 615261
(24.8) (15.1) (23.8) (16.9) (23.3) (20.9) (22.8) (21.5)
Haryana 16182 4016 17517 4850 74366 45048 87204 53617
Himachal Pradesh 595 209 1122 135 18781 8195 23607 9100
Jammu & Kashmir 15853 8551 18553 9867 25147 12091 29355 13587
Punjab 11217 5551 12764 5717 101046 66998 120667 79064
Rajasthan 12553 8018 14619 9376 73020 59904 91914 73680
Chandigarh 5654 3456 5814 5534 23952 22516 27857 31788
Delhi 100683 41186 99753 52270 435983 286305 517150 354425
North Eastern Region 2641 736 2878 1088 50012 19529 63247 22642
(0.4) (0.2) (0.4) (0.2) (1.5) (0.8) (1.6) (0.8)
Arunachal Pradesh 39 - 72 2 2806 816 3682 914
Assam 1786 671 1745 928 31665 13058 39427 15115
Manipur - - 64 1 1830 864 2368 916
Meghalaya 337 23 377 25 4811 1463 6157 1702
Mizoram 59 2 99 19 1498 837 1746 1025
Nagaland 282 30 375 41 2610 867 3473 1065
Tripura 138 10 146 72 4792 1624 6394 1905
Eastern Region 35917 17061 43272 20394 356684 182669 445352 217753
(5.5) (3.6) (6.0) (3.9) (11.0) (7.6) (11.3) (7.6)
Bihar 1384 225 1911 321 68597 20372 86653 23624
Jharkhand 2402 1193 2716 1374 43565 15313 55513 17789
Orissa 5014 1741 7093 2513 53730 30396 70626 35856
Sikkim 255 70 316 69 2074 985 2517 1066
West Bengal 26785 13821 31123 16106 187609 115255 228649 138969
Andaman & Nicobar Islands 77 11 113 11 1110 348 1394 449
Central Region 22503 9770 26713 11581 362400 170987 449939 201735
(3.4) (2.1) (3.7) (2.2) (11.2) (7.1) (11.4) (7.1)
Chhattisgarh 2188 1404 3167 1606 30968 16190 39437 21018
Madhya Pradesh 4444 3432 5183 4041 81502 49177 100971 57957
Uttar Pradesh 13288 4049 15994 4802 213594 95941 264369 111185
Uttaranchal 2583 885 2369 1132 36336 9679 45162 11575
Western Region 271147 256724 285445 263116 1005402 893204 1218766 1037797
(41.3) (54.5) (39.9) (50.7) (31.1) (37.3) (31.0) (36.3)
Goa 3000 782 3676 955 18925 5525 23910 6343
Gujarat 22720 16173 23799 17721 152690 99516 187906 118684
Maharashtra 245096 239747 257597 244411 832063 787840 1004898 912368
Dadra & Nagar Haveli 191 17 204 18 627 161 771 160
Daman & Diu 140 5 169 11 1097 162 1281 242
Southern Region 162026 115467 186876 135017 702017 627119 862279 762338
(24.7) (24.5) (26.1) (26.0) (21.7) (26.2) (21.9) (26.7)
Andhra Pradesh 29843 23394 33458 30284 177568 162596 217453 212178
Karnataka 44677 24204 50050 29509 210349 164111 256709 196719
Kerala 36707 21204 45727 24669 109104 71226 135173 81612
Tamil Nadu 49834 46033 56653 49811 199948 226829 246992 268963
Lakshadweep - - - - 326 25 480 26
Puducherry 965 632 988 744 4722 2332 5472 2840
All India 656971 470745 715326 518945 3228810 2394565 3937337 2857526
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
Note : Figures in bracket indicate per cent share in all India total.
Source : Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks, March 2008 & 2009, RBI.
39
MAP - 2
STATE & UNION TERRITORY - WISE CREDIT - DEPOSIT RATIO OF SCHEDULED
COMMERCIAL BANKS - 2009
(As on March 31)
Madhya Pradesh
West
57.4(60.3)
Bengal
60.8(61.4)
Orissa
50.8(56.6)
40
TABLE 2.5 : POPULATION GROUP-WISE DISTRIBUTION OF DEPOSITS AND CREDIT
OF SCHEDULED COMMERCIAL BANKS - 2005 TO 2009
Rural 213536 106497 226534 127445 258128 154785 303025 183097 365491 208694
(12.2) (9.2) (10.8) (8.4) (9.9) (7.9) (9.4) (7.6) (9.3) (7.3)
Semi-Urban 296303 130596 302245 151076 356827 189783 429377 230629 531944 266736
(16.9) (11.3) (14.4) (10.0) (13.7) (9.7) (13.3) (9.6) (13.5) (9.3)
Urban 376133 189593 431564 248141 531269 316166 657624 383576 824463 461870
(21.5) (16.4) (20.6) (16.4) (20.4) (16.2) (20.4) (16.0) (20.9) (16.2)
Metropolitan 867201 731121 1132698 990835 1452599 1288833 1838792 1597263 2215437 1920225
(49.5) (63.1) (54.1) (65.3) (55.9) (66.1) (56.9) (66.7) (56.3) (67.2)
All India 1753173 1157807 2093041 1517497 2598823 1949567 3228818 2394565 3937335 2857525
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
Note : Figures in bracket indicate per cent share in all India total.
Source : Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks, March 2008 & 2009, RBI.
41
GRAPH - 3
POPULATION GROUP-WISE DISTRIBUTION OF DEPOSITS AND CREDIT OF
SCHEDULED COMMERCIAL BANKS - 2008 AND 2009
(As on the last Friday of March)
Deposits
2215437
1838792
2500000
Rural
2000000
Semi-Urban
Rs. crore
824463
1500000 Urban
657624
531944
Metropolitan
429377
365491
303025
1000000
500000
0
2008 2009
Credit
1920225
1597263
2000000
1800000
1600000
1400000 Rural
Rs. crore
1200000 Semi-Urban
461870
1000000
383576
266736
Urban
230629
800000
183097
208694
600000 Metropolitan
400000
200000
0
2008 2009
42
TABLE 2.6 : BANK GROUP-WISE SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1. Cash-Deposit ratio 9.65 7.36 9.22 7.13 11.51 7.31 10.56 7.81 9.73 7.32
2. Credit-Deposit ratio 76.72 73.44 71.65 72.21 84.29 77.27 76.80 78.13 74.61 73.86
3. Investment-Deposit ratio 34.09 35.51 31.91 31.11 51.74 60.89 41.27 41.62 35.46 35.67
4. (Credit+Investment)-Deposit ratio 110.81 108.96 103.55 103.32 136.03138.16118.07 119.75110.07109.53
5. Ratio of deposits to total liabilities 76.55 78.66 83.54 84.69 52.50 47.88 71.80 71.67 76.74 77.52
6. Ratio of term deposits to total deposits 58.03 61.45 67.01 70.15 55.30 58.27 67.17 67.26 64.27 66.85
7. Ratio of priority sector advances to
total advances 30.82 28.69 33.16 30.85 29.58 31.20 29.27 30.76 31.55 30.32
8. Ratio of term loan to total advances 55.19 52.16 55.62 55.96 48.90 46.87 69.66 69.40 58.02 57.10
9. Ratio of secured advances to total advances 76.74 80.73 79.96 80.52 45.56 49.88 79.22 78.89 76.80 78.57
10. Ratio of investments in non-approved
securities to total investments 19.78 15.41 17.53 16.49 16.20 23.28 30.30 29.08 20.94 19.50
11. Ratio of interest income to total assets 7.75 7.79 7.83 8.19 7.65 7.48 8.42 8.65 7.92 8.13
12. Ratio of net interest margin to total assets 2.49 2.39 2.28 2.34 4.33 4.32 2.67 2.86 2.58 2.63
13. Ratio of non-interest income to total assets 1.30 1.40 1.15 1.16 3.32 3.67 2.02 1.82 1.55 1.57
14. Ratio of intermediation cost to total assets 1.87 1.75 1.63 1.56 3.24 3.03 2.40 2.21 1.99 1.87
15. Ratio of wage bills to intermediation cost 60.58 61.39 61.90 62.44 40.38 39.71 35.10 39.15 51.70 53.39
16. Ratio of wage bills to total expense 15.89 15.06 14.05 13.14 19.95 19.45 10.35 10.83 14.01 13.52
17. Ratio of wage bills to total income 12.52 11.71 11.22 10.42 11.94 10.80 8.08 8.28 10.83 10.28
18. Ratio of burden to total assets 0.57 0.35 0.48 0.40 -0.07 -0.64 0.39 0.39 0.43 0.30
19. Ratio of burden to interest income 7.35 4.50 6.09 4.88 -0.96 -8.55 4.59 4.50 5.48 3.66
20. Ratio of operating profits to total assets 1.92 2.04 1.80 1.94 4.40 4.95 2.28 2.47 2.15 2.33
21. Return on assets 0.97 1.02 1.01 1.03 2.09 1.98 1.13 1.13 1.12 1.13
22. Return on equity 17.21 17.74 17.09 18.07 16.05 13.75 13.43 11.36 15.98 15.44
23. Cost of deposits 5.91 6.17 5.99 6.31 4.20 4.58 6.47 6.60 5.97 6.24
24. Cost of borrowings 5.72 4.57 2.65 3.63 4.75 4.27 3.55 3.91 3.97 4.04
25. Cost of funds 5.90 6.07 5.82 6.18 4.33 4.51 6.13 6.29 5.80 6.06
26. Return on advances 9.55 9.89 9.51 10.19 10.93 12.60 11.01 11.41 9.92 10.50
27. Return on investments 7.11 6.77 7.32 7.06 8.24 7.63 7.22 6.93 7.33 7.01
28. Return on advances adjusted to cost of funds 3.65 3.82 3.69 4.01 6.60 8.10 4.88 5.12 4.12 4.44
29. Return on investments adjusted to cost of funds 1.22 0.70 1.50 0.88 3.91 3.12 1.09 0.64 1.52 0.95
43
TABLE 2.7 : BANK GROUP-WISE MATURITY PROFILE OF SELECTED ITEMS OF
LIABILITIES AND ASSETS : 2008 AND 2009
(Amount in Rs. crore)
As on March 31
State Bank Other All
Maturity-wise of India Nationalised Foreign Scheduled Scheduled
liabilities \ assets & its Banks $ Banks Commercial Commercial
Associates Banks Banks
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Deposits 773249 1006258 1675703 1992569 191093 214006 674954 736228 3315001 3949062
a) 1 - 14 days 77951 93875 114670 132409 44959 51385 50058 53188 287640 330858
b) 15 - 28 days 11827 18690 53338 52688 17361 14792 27144 23222 109672 109394
c) 29 days to 3 months 47435 56585 154105 153302 32149 28621 88290 89802 321981 328312
d) Over 3 months to 6 months 51628 91336 158868 250997 14692 15559 85744 93386 310932 451279
e) Over 6 months to one year 85093 127842 324660 392889 14456 26244 123945 121609 548156 668586
f) Over one year to 3 years 180325 263457 468675 553878 63689 49363 233535 267785 946226 1134485
g) Over 3 years to 5 years 122578 123524 129421 127239 744 20641 25681 36428 278424 307834
h) Over 5 years 196409 230945 271963 329162 3041 7397 40553 50805 511967 618312
Borrowings 63001 61576 83091 50494 58273 70096 88655 95517 293021 277684
a) 1 - 14 days 13915 14397 18426 12495 28453 38465 6985 6820 67781 72179
b) 15 - 28 days 7974 5662 3520 1691 3166 4294 1545 2919 16206 14569
c) 29 days to 3 months 17130 11367 6717 6093 10365 8139 7411 10059 41625 35661
d) Over 3 months to 6 months 5868 10693 8382 8048 8880 3916 14679 10652 37811 33310
e) Over 6 months to one year 9469 5207 10295 3673 2111 4645 14262 13496 36138 27023
f) Over one year to 3 years 7001 10629 17068 16126 4891 9710 21699 28268 50661 64735
g) Over 3 years to 5 years 894 3257 7899 777 202 919 18588 17787 27584 22742
h) Over 5 years 746 359 10780 1587 202 3 3482 5511 15212 7462
Loans and Advances 592182 738591 1196935 1376455 161147 165404 518493 575403 2468758 2855855
a) 1 - 14 days 90179 103852 104211 123353 20756 25502 30531 30111 245678 282820
b) 15 - 28 days 15537 11138 37654 41008 11211 11075 9225 12573 73628 75795
c) 29 days to 3 months 24595 47811 120102 148493 22170 23808 37616 43149 204485 263263
d) Over 3 months to 6 months 22215 42568 93651 110708 14784 20306 36559 39312 167211 212896
e) Over 6 months to one year 40872 41552 131027 157135 10979 11665 67942 71900 250821 282253
f) Over one year to 3 years 220513 314195 374629 394385 55411 39807 179625 204386 830179 952774
g) Over 3 years to 5 years 67446 61191 132481 147818 10713 16755 62401 78443 273042 304209
h) Over 5 years 110821 116282 203176 253551 15120 16482 94591 95526 423709 481842
44
TABLE 2.7 : BANK GROUP-WISE MATURITY PROFILE OF SELECTED ITEMS OF
LIABILITIES AND ASSETS : 2008 AND 2009 (Concld.)
(Amount in Rs. crore)
As on March 31
State Bank Other All
Maturity-wise of India Nationalised Foreign Scheduled Scheduled
liabilities \ assets & its Banks $ Banks Commercial Commercial
Associates Banks Banks
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Investments(at book value) 263822 357529 534825 647447 99065 130599 278230 306490 1175944 1442066
a) 1 - 14 days 3867 23427 16554 32846 31432 40557 39805 45785 91659 142616
b) 15 - 28 days 2468 5581 12885 10940 3584 7486 16612 13661 35550 37670
c) 29 days to 3 months 8687 27117 27318 27338 17166 17173 27405 30490 80578 102120
d) Over 3 months to 6 months 9297 11812 27125 32792 4290 7436 21818 19516 62532 71558
e) Over 6 months to one year 10238 12591 33242 45079 5136 17433 31131 25811 79747 100915
f) Over one year to 3 years 54758 44928 97044 104861 25680 24615 56355 63626 233839 238033
g) Over 3 years to 5 years 45277 71256 64893 84081 4087 7810 18712 20988 132971 184136
h) Over 5 years 129227 160813 255760 309507 7688 8086 66389 86608 459065 565016
Foreign Currency Assets 86355 136539 112839 140040 60213 108159 89940 114359 349349 499099
a) 1 - 14 days 32480 30910 24095 38852 28579 32325 12246 16789 97401 118878
b) 15 - 28 days 10173 7817 9418 7796 2642 3414 2167 3252 24401 22280
c) 29 days to 3 months 6019 30265 25612 27623 8282 12655 10352 9822 50267 80366
d) Over 3 months to 6 months 4920 19529 18298 19941 8629 11443 6950 7120 38799 58035
e) Over 6 months to one year 4499 6253 9980 10419 4038 2062 10004 5503 28523 24240
f) Over one year to 3 years 8677 18193 7165 12910 6003 10131 8467 21764 30313 62999
g) Over 3 years to 5 years 8186 11989 9147 11715 1479 4152 14583 24253 33397 52110
h) Over 5 years 11397 11579 9121 10781 557 31973 25167 25852 46245 80186
Foreign Currency Liabilities 85628 115621 111104 133460 71537 114979 98565 111124 366835 475186
a) 1 - 14 days 18309 32302 22557 30831 26933 20699 8359 10508 76158 94341
b) 15 - 28 days 8986 9426 7945 7726 2862 4047 2557 3623 22352 24824
c) 29 days to 3 months 18901 15664 22747 25547 12954 10742 11780 15742 66383 67696
d) Over 3 months to 6 months 8396 15858 16696 19762 8923 6077 13063 11941 47079 53639
e) Over 6 months to one year 14346 15660 18898 17169 6226 9565 17706 12493 57178 54889
f) Over one year to 3 years 12711 18454 10530 16119 6892 17229 18787 25692 48922 77495
g) Over 3 years to 5 years 2675 6577 5035 7201 2101 6971 17221 16839 27034 37589
h) Over 5 years 1301 1677 6692 9101 4643 39646 9088 14284 21725 64710
45
TABLE 3.1 : BANK GROUP-WISE LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS IN INDIA : 2008 AND 2009
(Amount in Rs. crore)
As on March 31
State Bank Other All
Items of India Nationalised Foreign Scheduled Scheduled
& its Banks $ Banks Commercial Commercial
Associates Banks Banks
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Liabilities
1. Capital 1566 1080 11499 12456 22286 25911 4613 4590 39964 44037
2. Reserves and Surplus 60140 71342 101581 123421 27046 34026 86757 95430 275524 324219
2.1. Statutory Reserves 30535 36572 25149 30994 7880 9805 10940 13739 74505 91110
2.2. Capital Reserves 643 1693 14680 22500 2107 2349 2718 4206 20148 30748
2.3. Share Premium 20452 21011 14853 14854 - - 52657 51845 87962 87710
2.4. Investment Fluctuations Reserves 62 - 186 445 155 316 252 281 655 1042
2.5. Revenue and other Reserves 8446 12064 44420 51931 14177 17121 12253 15256 79295 96373
2.6. Balance of Profit 2 2 2293 2697 2727 4435 7937 10103 12959 17237
3. Deposits (3.1+3.2+3.3) 773874 1007043 1679993 2105705 191161 214077 675033 736379 3320062 4063204
Type-wise
3.1. Demand deposits 120195 132374 163127 178862 59200 60551 99534 100793 442056 472579
(i) From banks 15390 13295 5923 6123 1582 1494 2772 3392 25668 24303
(ii) From others 104805 119079 157204 172739 57618 59057 96762 97401 416388 448275
3.2. Savings bank deposits 204635 255855 391099 449627 26254 28789122064140269 744052 874540
3.3. Term deposits 449044 618814 1125767 1477216 105707 124737 453435 495317 2133954 2716085
(i) From banks 9198 14539 52623 80566 8035 11910 32253 39623 102110 146639
(ii) From others 439846 604275 1073144 1396650 97672 112827 421182 455694 2031844 2569446
Location-wise
3A. Deposits of branches in India 751147 975001 1605527 2005576 191161 214077 666591 723400 3214426 3918053
3B. Deposits of branches outside India 22728 32042 74466 100129 - - 8442 12979 105636 145150
Total ( 3A. + 3B. ) 773874 1007043 1679993 2105705 191161 214077 675033 736379 3320062 4063204
46
TABLE 3.1 : BANK GROUP-WISE LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS IN INDIA : 2008 AND 2009 (Contd.)
(Amount in Rs. crore)
As on March 31
State Bank Other All
Items of India Nationalised Foreign Scheduled Scheduled
& its Banks $ Banks Commercial Commercial
Associates Banks Banks
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
4. Borrowings 64591 62240 91766 96064 58315 70127 87957 94753 302629 323185
4.1. Borrowings in India 22121 10754 66178 69947 29573 39662 21549 25349 139419 145710
(i) From Reserve Bank of India 2027 700 3771 7986 9652 1606 1715 1490 17165 11782
(ii) From other banks 10345 1220 4220 1619 11310 10627 5947 4965 31820 18430
(iii) From other institutions and agencies 9749 8834 58187 60342 8611 27429 13887 18894 90433 115498
4.2. Borrowings outside India 42470 51486 25588 26118 28742 30465 66409 69405 163210 177475
Secured borrowings included in 4 5774 6732 10006 9344 13872 22092 772 3109 30424 41277
5. Other liabilities and provisions 110787 138508 126126 148858 65291 103009 85783 96310 387987 486686
5.1. Bill payable 24833 24086 18772 15481 3867 2883 12045 9542 59517 51991
5.2. Inter-office adjustment 149 5847 2540 4417 30 6 1203 697 3922 10967
5.3. Interest accured 8003 10021 8211 8932 1882 2559 6053 8077 24149 29589
5.4. Subordinate debt. 4542 4267 42391 55322 4768 8123 29741 40609 81441 108320
5.5. Deferred tax liabilities - - 264 452 73 10 175 113 512 574
5.6. Others (including provisions) 73260 94288 53949 64254 54671 89429 36566 37274 218446 285245
Total Liabilities 1010959 1280212 2010965 2486505 364099 447149 940144 1027465 4326166 5241331
6. Cash and balances with RBI 74714 74107 154965 150033 22011 15646 71282 57477 322972 297264
6.1. Cash in hand 3716 5443 8847 9138 567 587 7198 7966 20328 23133
6.2. Balances with RBI 70998 68665 146118 140895 21444 15058 64084 49512 302643 274131
(i) In current account 43584 68662 145899 139211 21442 15055 63984 49412 274909 272341
(ii) In other account 27414 3 219 1684 2 3 100 100 27735 1790
7. Balances with banks and money at 19069 53522 44517 77781 19935 33251 25588 34026 109109 198582
call and short notice (7.1+7.2)
7.1. In India (7.1.1+7.2.2) 12390 28491 24673 28975 8003 6534 14705 21450 59773 85452
7.1.1. Balances with banks 5611 14579 15920 19350 7015 6072 12390 16147 40937 56149
(i) In current account 1609 1278 6599 5848 1439 1126 3570 2529 13217 10781
(ii) In other deposit accounts 4002 13301 9321 13502 5576 4946 8820 13618 27719 45368
7.1.2. Money at call and short notice 6779 13912 8753 9625 988 462 2315 5303 18836 29303
(i) with banks 6779 13912 7563 7396 768 347 1777 3056 16888 24712
(ii) with other institutions - - 1190 2229 220 115 538 2247 1947 4591
7.2. Outside India (7.2.1+7.2.2) 6680 25031 19844 48806 11931 26717 10883 12576 49337 113130
7.2.1 Balances with Banks 3198 15979 14629 35941 7101 15330 6398 7772 31326 75023
(i) In current account 2328 14531 3794 10820 1778 4189 2648 4160 10548 33700
(ii) In other deposit accounts 870 1448 10835 25121 5323 11141 3750 3612 20778 41322
7.2.2 Money at call and short notice 3482 9052 5215 12865 4830 11387 4485 4804 18011 38107
47
TABLE 3.1 : BANK GROUP-WISE LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS IN INDIA : 2008 AND 2009 (Contd.)
(Amount in Rs. crore)
As on March 31
State Bank Other All
Items of India Nationalised Foreign Scheduled Scheduled
& its Banks $ Banks Commercial Commercial
Associates Banks Banks
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
8. Investments 263823 357624 536018 655042 98910 130354 278578 306455 1177330 1449475
8.1 Investment in India in 258653 351140 523087 641526 98910 130353 271618 296073 1152267 1419093
(i) Government securities 208370 300264 435060 541332 82851 99997 193885 217121 920166 1158715
(ii) Other approved securities 3260 2252 7014 5678 33 6 281 217 10588 8154
(iii) Shares 5162 5117 10847 9713 104 98 4221 2846 20334 17774
(iv) Debentures and Bonds 19534 17487 39477 41346 2561 2959 23869 24419 85441 86211
(v) Subsidiaries and/or joint ventures 3808 3650 2788 3177 - - 5421 7087 12017 13913
(vi) Others 18519 22370 27901 40280 13361 27293 43941 44383 103721 134326
8.2 Investment outside India in 5171 6483 12931 13516 - - 6961 10382 25062 30381
(i) Government securities 394 743 5024 4892 - - 140 95 5558 5730
(ii) Subsidiaries and/or joint ventures 614 1255 608 847 - - 3886 6606 5107 8708
(iii) Others 4163 4485 7299 7777 - - 2935 3681 14397 15943
9. Advances 593722 739606 1203678 1520549 161133 165415 518402 575336 2476936 3000906
Type-wise
9A. (i) Bills purchased and discounted 44280 53465 63503 74058 15763 15160 27441 31227 150988 173911
(iii) Term loans 327672 385809 669503 850825 78791 77531 361100 399274 1437066 1713439
Security-wise
9B. (i) Secured by tangible assets 430102 513218 899288 1136947 66932 77454 395941 443080 1792263 2170699
(iii) Unsecured 138086 142517 241175 296237 87714 82908 107749 121461 574723 643123
9.C.I. Advances in India 537583 653819 1140236 1423327 161133 165414 465276 510045 2304227 2752606
(i) Priority sectors 182958 212215 399129 469116 47668 51607151721176958 781476 909896
(ii) Public sectors 36535 48648 132519 173851 497 517 10127 9230 179678 232246
(iii) Banks 204 350 9661 6218 922 1013 569 648 11356 8230
(iv) Others 317886 392606 598927 774142 112046 112277 302859 323209 1331717 1602234
48
TABLE 3.1 : BANK GROUP-WISE LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS IN INDIA : 2008 AND 2009 (Concld.)
(Amount in Rs. crore)
As on March 31
State Bank Other All
Items of India Nationalised Foreign Scheduled Scheduled
& its Banks $ Banks Commercial Commercial
Associates Banks Banks
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
9.C.II. Advances outside India 56140 85787 63443 97222 - - 53128 65292 172709 248300
(i) Due from banks 2135 4412 9897 16392 - - 4123 1565 16154 22369
(ii) Due from others 54005 81375 53546 80830 - - 49005 63727 156555 225931
b) Syndicate loans 19857 27094 13382 23829 - - 29186 31433 62425 82356
10. Fixed Assets 4591 5512 24206 28231 3969 4738 9628 9880 42394 48362
10.1. Premises 1356 1870 19837 23274 3066 3024 4278 4542 28538 32709
10.2. Fixed assets under construction 241 278 144 250 127 712 275 227 787 1467
10.3. Other fixed assets 2995 3363 4222 4707 777 1003 5075 5113 13069 14185
11. Other Assets 55039 49840 47580 54867 58141 97746 36666 44290 197425 246743
(i) Inter - office adjustments (net) 12980 3470 3371 3474 155 96 172 122 16677 7161
(ii) Interest accrued 8815 9313 13691 15354 2714 3066 7886 9153 33107 36886
(iv) Stationery and stamps 122 121 108 120 1 1 51 56 282 299
(v) Others 28768 31648 17399 20896 54417 93554 22516 28552 123100 174649
Total Assets 1010959 1280212 2010965 2486505 364099 447149 940144 1027465 4326166 5241331
49
TABLE 3.2 : STATE-WISE DISTRIBUTION OF LIABILITIES AND ASSETS OF
STATE CO-OPERATIVE BANKS : 2007 AND 2008
(Amount in Rs. crore)
Year Capital Reserves Deposits Borrowings Other Total
State / Union Liabilities Liabilities
Territories
(1) (2) (3) (4) (5) (6) (7)
50
TABLE 3.2 : STATE-WISE DISTRIBUTION OF LIABILITIES AND ASSETS OF
STATE CO-OPERATIVE BANKS : 2007 AND 2008 (Concld.)
(Amount in Rs. crore)
Year Cash in Investments Loans & Other Accumulated Total
Hand and Advances Assets Losses Assets
State / Union balances
Territories with banks
(1) (8) (9) (10) (11) (12) (13)
51
TABLE 3.3 : STATE-WISE DISTRIBUTION OF LIABILITIES AND ASSETS OF
DISTRICT CENTRAL CO-OPERATIVE BANKS : 2007 AND 2008
(Amount in Rs. crore)
Year Capital Reserves Deposits Borrowings Other Total
States Liabilities Liabilities
(1) (2) (3) (4) (5) (6) (7)
52
TABLE 3.3 : STATE-WISE DISTRIBUTION OF LIABILITIES AND ASSETS OF
DISTRICT CENTRAL CO-OPERATIVE BANKS : 2007 AND 2008 (Concld.)
(Amount in Rs. crore)
Year Cash in Investments Loans & Other Accumulated Total
Hand and Advances Assets Losses Assets
States balances
with banks
(1) (8) (9) (10) (11) (12) (13)
53
TABLE 3.4 : LIABILITIES AND ASSETS OF INDIAN SCHEDULED COMMERCIAL BANKS
IN FOREIGN COUNTRIES - 2007 TO 2009
(Amount in US $ million)
As on March 31
Items 2007 2008 2009
(1) (2)
No. of banks 11 12 14
Liabilities
1. H. O. funds 2568.62 3479.04 5026.06
Assets
1. Cash on hand & balances 441.59 601.64 1680.42
with Central Banks
2. Investments in securities 4359.70 5445.68 5635.46
91 days & above but 6954578 117928 6042471 147350 4508089 167399
less than 6 months (5.7) (9.5) (4.8) (9.2) (3.4) (8.4)
6 months & above but 13021077 206329 11097696 283035 8410678 281990
less than 1 year (10.7) (16.6) (8.9) (17.7) (6.4) (14.2)
1 year & above but 25817363 330376 29123331 522672 38306041 794580
less than 2 years (21.2) (26.5) (23.3) (32.7) (29.3) (39.9)
2 years & above but 17695362 118283 16480044 114853 14445436 136421
less than 3 years (14.5) (9.5) (13.2) (7.2) (11.0) (6.9)
3 years & above but 29128550 201227 31133502 245393 33136987 294960
less than 5 years (23.9) (16.1) (24.9) (15.4) (25.3) (14.8)
55
TABLE 4.2 : OWNERSHIP OF DEPOSITS WITH SCHEDULED COMMERCIAL BANKS : 2007 AND 2008
(Amount in Rs. crore)
As on the last Friday March
Sector of the Economy Current Savings Term Total
2007 2008 2007 2008 2007 2008 2007 2008
(1) (2) (3) (4) (5) (6) (7) (8)
I. Government Sector 49663 66281 49049 62861 291961 318663 390673 447805
(14.8) (14.8) (7.3) (8.0) (17.2) (15.3) (14.5) (13.5)
1. Central & State Governments 20918 30529 25966 34138 83206 113888 130091 178555
(6.2) (6.8) (3.9) (4.3) (4.9) (5.5) (4.8) (5.4)
i) Central Government 9393 13004 2661 4473 51669 60019 63723 77496
(2.8) (2.9) (0.4) (0.6) (3.1) (2.9) (2.4) (2.3)
ii) State Governments 11525 17525 23305 29665 31537 53869 66368 101059
(3.4) (3.9) (3.5) (3.8) (1.9) (2.6) (2.5) (3.0)
2. Local Authorities 6051 7967 13616 16908 48711 44971 68377 69846
(1.8) (1.8) (2.0) (2.2) (2.9) (2.2) (2.5) (2.1)
3. Quasi Government Bodies 10750 9800 3979 4890 53701 53287 68431 67977
(3.2) (2.2) (0.6) (0.6) (3.2) (2.6) (2.5) (2.0)
Of which: State Electricity Boards 4124 2364 435 798 6783 9962 11341 13124
(1.2) (0.5) (0.1) (0.1) (0.4) (0.5) (0.4) (0.4)
4. Public Sector Corporations 11943 17985 5488 6924 106343 106517 123774 131426
and Companies (3.6) (4.0) (0.8) (0.9) (6.3) (5.1) (4.6) (4.0)
i) Non - Departmental 3681 5801 751 699 59246 40261 63677 46761
Commercial Undertakings (1.1) (1.3) (0.1) (0.1) (3.5) (1.9) (2.4) (1.4)
ii) Others 8262 12184 4738 6225 47098 66256 60097 84665
(2.5) (2.7) (0.7) (0.8) (2.8) (3.2) (2.2) (2.6)
II. Private Corporate Sector 76647 111357 3245 3487 223591 317365 303482 432209
(Non - Financial) (22.8) (24.8) (0.5) (0.4) (13.2) (15.2) (11.2) (13.0)
1. Non- Financial Companies 61242 77295 917 886 185668 251110 247826 329291
(18.2) (17.2) (0.1) (0.1) (11.0) (12.1) (9.2) (9.9)
2. Non-Credit Co -operative 842 375 607 411 2623 2101 4071 2887
Institutions (0.3) (0.1) (0.1) (0.1) (0.2) (0.1) (0.2) (0.1)
3. Others 14563 33687 1722 2190 35300 64154 51585 100031
(4.3) (7.5) (0.3) (0.3) (2.1) (3.1) (1.9) (3.0)
III. Financial Sector 38367 73223 3684 4041 240413 265648 282465 342912
(11.4) (16.3) (0.5) (0.5) (14.2) (12.7) (10.5) (10.3)
1. Banks 18732 19889 1693 2042 91849 97178 112274 119109
(5.6) (4.4) (0.3) (0.3) (5.4) (4.7) (4.2) (3.6)
i) Indian Commercial Banks 13822 12383 1389 1572 59838 65158 75048 79113
(4.1) (2.8) (0.2) (0.2) (3.5) (3.1) (2.8) (2.4)
ii) Foreign Resident Banks 1614 1359 5 2 8779 4081 10398 5442
(Offices of Foreign (0.5) (0.3) (0.0) (0.0) (0.5) (0.2) (0.4) (0.2)
Banks in India )
iii) Co-operative Banks & 3296 6147 300 467 23232 27940 26828 34554
Credit societies (1.0) (1.4) (0.0) (0.1) (1.4) (1.3) (1.0) (1.0)
a. Co-operative Banks 3043 5679 99 141 22539 26639 25682 32459
(0.9) (1.3) (0.0) (0.0) (1.3) (1.3) (1.0) (1.0)
b. Credit Societies 253 468 201 326 693 1301 1147 2095
(0.1) (0.1) (0.0) (0.0) (0.0) (0.1) (0.0) (0.1)
56
TABLE 4.2 : OWNERSHIP OF DEPOSITS WITH SCHEDULED COMMERCIAL BANKS : 2007 AND 2008 (Contd.)
(Amount in Rs. crore)
As on the last Friday March
Sector of the Economy Current Savings Term Total
2007 2008 2007 2008 2007 2008 2007 2008
(1) (2) (3) (4) (5) (6) (7) (8)
2. Other Financial Institutions 11560 26248 1109 1209 105426 103107 118095 130564
(3.4) (5.8) (0.2) (0.2) (6.2) (4.9) (4.4) (3.9)
a. Mutual Funds in Private Sector 640 332 - - 19399 21760 20040 22092
(0.2) 0.1 (0.0) (0.0) (1.1) (1.0) (0.7) (0.7)
iii) Unit Trust of India 2009 18637 16 85 4028 3414 6054 22136
(0.6) 4.1 (0.0) (0.0) (0.2) (0.2) (0.2) (0.7)
iv) Insurance Corporations and 5739 4269 29 22 16853 18671 22621 22962
Companies (Life and General) (1.7) (1.0) (0.0) (0.0) (1.0) (0.9) (0.8) (0.7)
vi) Provident Fund Institutions 1368 1119 955 972 19632 29351 21955 31442
(0.4) (0.2) (0.1) (0.1) (1.2) (1.4) (0.8) (0.9)
3. Other Financial Companies@ 8075 27086 882 790 43139 65363 52095 93239
(2.4) (6.0) (0.1) (0.1) (2.5) (3.1) (1.9) (2.8)
ii) Other Financial Companies 4002 6820 72 79 13536 30415 17610 37314
(1.2) (1.5) (0.0) (0.0) (0.8) (1.5) (0.7) (1.1)
iii) Others 1936 5866 759 679 18247 21833 20941 28378
(0.6) (1.3) (0.1) (0.1) (1.1) (1.0) (0.8) (0.9)
57
TABLE 4.2 : OWNERSHIP OF DEPOSITS WITH SCHEDULED COMMERCIAL BANKS : 2007 AND 2008 (Concld.)
(Amount in Rs. crore)
As on the last Friday March
Sector of the Economy Current Savings Term Total
2007 2008 2007 2008 2007 2008 2007 2008
(1) (2) (3) (4) (5) (6) (7) (8)
IV. Household Sector 160883 183013 578107 670895 810726 1074109 1549716 1928017
(47.9) (40.7) (86.2) (85.4) (47.9) (51.5) (57.4) (58.1)
1. Individuals (including Hindu 73220 82796 515938 598620 612681 813963 1201839 1495379
Undivided Families) (21.8) (18.4) (76.9) (76.2) (36.2) (39.1) (44.5) (45.1)
ii) Businessmen, Traders, 38796 39971 69206 87928 101167 135647 209170 263546
Professionals and (11.6) (8.9) (10.3) (11.2) (6.0) (6.5) (7.7) (7.9)
Self - Employed Persons
iii) Wage and Salary Earners 4240 3886 95582 107263 78211 107046 178033 218195
(1.3) (0.9) (14.2) (13.7) (4.6) (5.1) (6.6) (6.6)
iv) Shroffs, Money Lenders, 999 1028 4161 4580 5309 10644 10469 16252
Stock Brokers, Dealers (0.3) (0.2) (0.6) (0.6) (0.3) (0.5) (0.4) (0.5)
in Bullion etc.
v) Other Individuals 26468 34341 261673 316240 343584 469614 631725 820195
(7.9) (7.6) (39.0) (40.2) (20.3) (22.5) (23.4) (24.7)
2. Trusts, Associations, Clubs etc. 10229 12904 11717 12056 49718 56017 71663 80977
(3.0) (2.9) (1.7) (1.5) (2.9) (2.7) (2.7) (2.4)
3. Proprietary and Partnership 47556 54575 4311 5082 39521 50648 91388 110305
concerns etc. (14.2) (12.1) (0.6) (0.6) (2.3) (2.4) (3.4) (3.3)
4. Educational Institutions 2865 3175 7980 8951 15306 16469 26112 28595
(0.9) (0.7) (1.2) (1.1) (0.9) (0.8) (1.0) (0.9)
5. Religious Institutions 475 355 2003 2161 7024 5958 9502 8474
(0.1) (0.1) (0.3) (0.3) (0.4) (0.3) (0.4) (0.3)
6. Others (not elsewhere classified) 26539 29207 36157 44025 86476 131054 149172 204286
(7.9) (6.5) (5.4) (5.6) (5.1) (6.3) (5.5) (6.2)
V. Foreign Sector 10147 15355 36765 44479 126653 107865 173565 167699
(3.0) (3.4) (5.5) (5.7) (7.5) (5.2) (6.4) (5.1)
1. Foreign Consulates, Embassies, 497 1049 328 334 752 2624 1578 4007
Trade Missions, Information (0.1) (0.2) (0.0) (0.0) (0.0) (0.1) (0.1) (0.1)
Services etc.
58
TABLE 5.1 - BANK GROUP-WISE DISTRIBUTION OF OUTSTANDING CREDIT
OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION - 2008
(Amount in Rs. crore)
As on March 31
State Bank of India & its Associates Nationalised Banks
Occupation No. of Credit Amount No. of Credit Amount
Accounts Limit Outstanding Accounts Limit Outstanding
(1) (2) (3) (4) (5) (6)
I. Agriculture 9697800 87402 73328 16616576 150669 132084
1. Direct Finance 9543018 67774 59203 16375724 106990 94945
2. Indirect Finance 154782 19628 14125 240852 43679 37139
II. Industry 782684 334074 234031 1430393 667582 500512
1. Mining & Quarrying 9197 13903 9441 10525 22121 17212
2. Food Manufacturing & Processing 87637 26430 20118 151373 36511 26665
(a) Rice Mills, Flour & Dal Mills 32675 8149 6149 80669 7842 5918
(b) Sugar 765 6785 5251 983 11093 8102
(c) Edible Oils & Vanaspati 5109 3547 2707 8379 3867 2788
(d) Tea Processing 421 493 338 1052 2035 1492
(e) Processing of Fruits & Vegetables 1290 614 493 1649 688 487
(f) Others 47377 6841 5179 58641 10986 7879
3. Beverage & Tobacco 3286 2816 2126 2568 3957 2770
4. Textiles 74022 51325 34955 253314 72688 52956
(a) Cotton Textiles 15342 24717 16197 93316 34044 24125
(b) Jute & Other Natural Fibre Textiles 3847 515 354 35308 1898 1211
(c) Handloom Textiles & Khadi 15000 1107 735 23650 1866 1406
(d) Other Textiles and Textile Products 39833 24986 17669 101040 34879 26214
5. Paper, Paper Products & Printing 15386 6414 4786 25676 10731 8549
6. Leather & Leather Products 11562 2468 1929 18874 4002 2926
7. Rubber & Plastic Products 13037 7805 5581 22157 11621 8077
8. Chemicals & Chemical Products 25266 26960 19443 157284 37164 26487
(a) Heavy Industrial Chemicals 2161 7254 5276 4579 8244 6059
(b) Fertilisers 376 1810 1329 656 6483 5084
(c) Drugs & Pharmaceuticals 2640 6451 4474 90048 12582 8396
(d) Non-Edible Oils 767 894 628 377 699 369
(e) Other Chemicals & Chemical Products 19322 10551 7735 61624 9156 6578
9. Petroleum, Coal Products & Nuclear Fuels 891 12686 6585 1749 35430 29866
10. Manufacture of Cement & Cement Products 7729 5205 3268 23945 12295 8939
11. Basic Metals & Metal Products 33364 49010 33717 68797 90581 65005
(a) Iron & Steel 8520 36750 25072 11862 67381 47347
(b) Non-Ferrous Metals 3142 5682 3973 2923 9195 7222
(c) Metal Products 21702 6578 4671 54012 14004 10435
12. Engineering 41445 25070 18241 81868 45672 33431
(a) Heavy Engineering 3347 3114 2332 12118 8200 5197
(b) Light Engineering 25509 10478 7538 35440 19881 15575
(c) Electrical Machinery & Goods 9600 7557 5512 17299 10384 6752
(d) Electronic Machinery & Goods 2989 3921 2859 17011 7206 5907
13. Vehicles,Vehicle Parts& Transport Equipments 6954 12525 8791 22174 18252 12397
14. Other Industries 407973 26698 18470 453950 53689 40935
15. Electricity, Gas & Water 1343 18087 13035 3316 79418 61024
(a) Electricity Generation & Transmission 637 14140 10147 1747 74853 57605
(b) Non-Conventional Energy 149 2223 1391 510 2186 1646
(c) Gas, Steam & Water Supply 557 1725 1497 1059 2379 1773
16. Construction 43592 46672 33547 132823 133449 103274
III. Transport Operators 90895 12216 8742 197719 17971 14810
IV. Professional And Other Services 268808 39799 28554 1094543 106770 85456
V. Personal Loans 7938619 148710 115922 8715396 180670 151652
1. Loans for Purchase of Consumer Durables 55463 475 361 454413 3065 2392
2. Loans for Housing 1649279 72781 59226 2203452 101450 89729
3. Rest of the Personal Loans 6233877 75454 56335 6057531 76155 59531
VI. Trade 1343955 59918 48198 3013540 156009 113794
1. Wholesale Trade 46462 28529 23390 211166 74749 61203
2. Retail Trade 1297493 31389 24808 2802374 81260 52590
VII. Finance 6285 32297 27410 91764 133073 115317
VIII. All Others 248528 7534 6107 3652920 82518 66151
Total Bank Credit 20377574 721951 542292 34812851 1495261 1179776
Note : Data reported here cover Bank’s branches in India and include bills rediscounted under the New Bill Market scheme
as also dues from banks.
Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 37, March 2008.
59
TABLE 5.1 - BANK GROUP-WISE DISTRIBUTION OF OUTSTANDING CREDIT
OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION - 2008 (Contd.)
(Amount in Rs. crore)
As on March 31
Foreign Banks Regional Rural Banks
Occupation No. of Credit Amount No. of Credit Amount
Accounts Limit Outstanding Accounts Limit Outstanding
(7) (8) (9) (10) (11) (12)
I. Agriculture 521 1039 509 9669055 37511 32140
1. Direct Finance 249 314 186 9472737 35960 30803
2. Indirect Finance 272 725 323 196318 1551 1337
II. Industry 52868 119658 68323 579508 3003 2337
1. Mining & Quarrying 215 1417 899 779 68 54
2. Food Manufacturing & Processing 1626 5336 3071 95849 482 354
(a) Rice Mills, Flour & Dal Mills 948 271 210 26947 239 176
(b) Sugar 38 249 212 26 1 1
(c) Edible Oils & Vanaspati 80 840 587 2985 31 22
(d) Tea Processing 22 433 109 7 3 3
(e) Processing of Fruits & Vegetables 19 179 73 137 8 6
(f) Others 519 3365 1880 65747 199 146
3. Beverage & Tobacco 185 4586 2915 208 15 12
4. Textiles 10659 9199 6276 67993 310 254
(a) Cotton Textiles 1293 2592 1839 10693 81 59
(b) Jute & Other Natural Fibre Textiles 20 - - 9529 63 65
(c) Handloom Textiles & Khadi 483 11 9 28393 79 56
(d) Other Textiles and Textile Products 8863 6596 4428 19378 87 74
5. Paper, Paper Products & Printing 626 3280 1983 5532 41 31
6. Leather & Leather Products 477 3764 3196 22517 51 27
7. Rubber & Plastic Products 1137 1759 1107 9383 38 31
8. Chemicals & Chemical Products 3738 21094 11758 15763 63 53
(a) Heavy Industrial Chemicals 428 2757 1503 8 - -
(b) Fertilisers 69 917 253 - - -
(c) Drugs & Pharmaceuticals 1891 9557 5853 4420 14 11
(d) Non-Edible Oils 4 61 36 7 - -
(e) Other Chemicals & Chemical Products 1346 7802 4114 11328 48 42
9. Petroleum, Coal Products & Nuclear Fuels 192 4926 2007 125 7 5
10. Manufacture of Cement & Cement Products 261 1228 884 2956 22 17
11. Basic Metals & Metal Products 3783 13697 5988 10885 60 46
(a) Iron & Steel 1821 5147 2241 63 10 9
(b) Non-Ferrous Metals 436 4472 1960 12 - -
(c) Metal Products 1526 4078 1787 10810 49 37
12. Engineering 7295 17656 10437 10049 66 49
(a) Heavy Engineering 456 2899 1591 384 15 13
(b) Light Engineering 3929 5281 3447 4670 28 18
(c) Electrical Machinery & Goods 2383 4678 2983 2186 11 9
(d) Electronic Machinery & Goods 527 4798 2416 2809 11 9
13. Vehicles,Vehicle Parts& Transport Equipments 1238 11573 6385 13561 59 44
14. Other Industries 12703 6455 4090 300664 999 756
15. Electricity, Gas & Water 141 3523 1259 242 22 14
(a) Electricity Generation & Transmission 30 1691 616 21 2 2
(b) Non-Conventional Energy 6 87 78 144 10 9
(c) Gas, Steam & Water Supply 105 1746 564 77 10 4
16. Construction 8592 10162 6067 23002 701 591
III. Transport Operators 1441 1525 962 100505 835 610
IV. Professional And Other Services 66122 25036 16722 491491 2037 1610
V. Personal Loans 8455388 97495 47657 1990016 13423 10396
1. Loans for Purchase of Consumer Durables 116871 2658 2531 274471 1667 1164
2. Loans for Housing 94596 19480 15850 274817 4072 3366
3. Rest of the Personal Loans 8243921 75358 29276 1440728 7684 5865
VI. Trade 51810 15436 11135 1615257 6268 4877
1. Wholesale Trade 18729 7774 4929 95375 606 482
2. Retail Trade 33081 7661 6206 1519882 5662 4395
VII. Finance 3092 38323 11246 74488 584 447
VIII. All Others 65839 8307 4684 1606722 6641 5471
Total Bank Credit 8697081 306817 161239 16127042 70302 57887
Note : Data reported here cover Bank’s branches in India and include bills rediscounted under the New Bill Market scheme
as also dues from banks.
Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 37, March 2008.
60
TABLE 5.1 - BANK GROUP-WISE DISTRIBUTION OF OUTSTANDING CREDIT
OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION - 2008 (Concld.)
(Amount in Rs. crore)
As on March 31
Other Scheduled Commercial Banks All Scheduled Commercial Banks
Occupation No. of Credit Amount No. of Credit Amount
Accounts Limit Outstanding Accounts Limit Outstanding
(13) (14) (15) (16) (17) (18)
I. Agriculture 2221226 44798 36080 38205178 321418 274141
1. Direct Finance 2124602 33705 27430 37516330 244743 212567
2. Indirect Finance 96624 11093 8651 688848 76675 61574
II. Industry 1220300 184075 123332 4065753 1308392 928536
1. Mining & Quarrying 2473 5906 2758 23189 43416 30363
2. Food Manufacturing & Processing 39713 12368 8292 376198 81127 58500
(a) Rice Mills, Flour & Dal Mills 4161 1868 1494 145400 18369 13947
(b) Sugar 272 1373 1132 2084 19501 14698
(c) Edible Oils & Vanaspati 5274 1604 1205 21827 9889 7308
(d) Tea Processing 203 1083 1018 1705 4047 2961
(e) Processing of Fruits & Vegetables 347 276 207 3442 1765 1266
(f) Others 29456 6164 3235 201740 27555 18319
3. Beverage & Tobacco 498 1515 1178 6745 12889 9001
4. Textiles 56809 20527 13868 462797 154049 108310
(a) Cotton Textiles 17954 10216 7673 138598 71651 49893
(b) Jute & Other Natural Fibre Textiles 1659 198 174 50363 2675 1805
(c) Handloom Textiles & Khadi 2745 215 159 70271 3277 2364
(d) Other Textiles and Textile Products 34451 9898 5862 203565 76447 54248
5. Paper, Paper Products & Printing 21597 3242 2320 68817 23707 17668
6. Leather & Leather Products 8813 1155 806 62243 11441 8884
7. Rubber & Plastic Products 13592 3473 2425 59306 24697 17221
8. Chemicals & Chemical Products 21333 12085 8782 223384 97367 66523
(a) Heavy Industrial Chemicals 988 4361 3069 8164 22616 15907
(b) Fertilisers 119 904 535 1220 10116 7201
(c) Drugs & Pharmaceuticals 4917 3367 2609 103916 31971 21344
(d) Non-Edible Oils 91 51 35 1246 1706 1069
(e) Other Chemicals & Chemical Products 15218 3401 2534 108838 30958 21002
9. Petroleum, Coal Products & Nuclear Fuels 753 3681 4166 3710 56730 42629
10. Manufacture of Cement & Cement Products 1082 1557 1236 35973 20307 14345
11. Basic Metals & Metal Products 261440 14609 10478 378269 167956 115234
(a) Iron & Steel 2826 10143 7183 25092 119431 81852
(b) Non-Ferrous Metals 757 1427 1180 7270 20777 14337
(c) Metal Products 257857 3039 2115 345907 27748 19045
12. Engineering 533368 9211 6421 674025 97675 68579
(a) Heavy Engineering 1440 2419 1854 17745 16647 10987
(b) Light Engineering 10074 2045 1573 79622 37713 28151
(c) Electrical Machinery & Goods 10430 2550 1814 41898 25181 17070
(d) Electronic Machinery & Goods 511424 2197 1181 534760 18134 12372
13. Vehicles,Vehicle Parts& Transport Equipments 12261 31587 7797 56188 73995 35413
14. Other Industries 112102 13215 10080 1287392 101056 74331
15. Electricity, Gas & Water 1881 6655 5418 6923 107707 80749
(a) Electricity Generation & Transmission 1569 5546 4459 4004 96231 72828
(b) Non-Conventional Energy 151 823 702 960 5330 3825
(c) Gas, Steam & Water Supply 161 286 257 1959 6145 4095
16. Construction 132585 43290 37307 340594 234274 180785
III. Transport Operators 343619 24531 19571 734179 57078 44696
IV. Professional And Other Services 3843172 75430 54926 5764136 249071 187268
V. Personal Loans 16924742 247442 159790 44024161 687741 485416
1. Loans for Purchase of Consumer Durables 91028 840 699 992246 8704 7147
2. Loans for Housing 992187 94042 80264 5214331 291825 248435
3. Rest of the Personal Loans 15841527 152560 78827 37817584 387211 229834
VI. Trade 430910 48266 34552 6455472 285896 212556
1. Wholesale Trade 65168 22417 15146 436900 134075 105151
2. Retail Trade 365742 25849 19406 6018572 151821 107405
VII. Finance 22101 24209 16134 197730 228486 170554
VIII. ALL OTHERS 1969562 41009 31427 7543571 146009 113840
Total Bank Credit 26975632 689761 475813 106990180 3284091 2417007
Note : Data reported here cover Bank’s branches in India and include bills rediscounted under the New Bill Market scheme as
also dues from banks.
Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 37, March 2008.
61
GRAPH - 4
OCCUPATION-WISE DISTRIBUTION OF CREDIT BY SCHEDULED
COMMERCIAL BANKS ACCORDING TO BANK GROUPS - 2008
(As on March 31)
Agriculture Agriculture
Agriculture Agriculture
Agriculture Agriculture
10.0% 7.6% Industry 11.8% 11.3%
7.3% Industry
8.8%
25.9% T ransport Operators Transport Operators
Personal Loans and
Personal Loans and
Professional Services
38.4% Professional Services
4.1% T rade 27.8%
45.1% Trade
1.8%
All Others
All Others
62
TABLE 5.2 : BANK GROUP-WISE DISTRIBUTION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO SIZE OF CREDIT LIMIT - 2008
Rs. 25000 and less 6263277 10021 8933 13649715 20526 18363
Above Rs. 25000 and upto Rs.2 lakh 11013904 88298 70661 16797216 125571 113897
Above Rs. 2 lakh and upto Rs.5 lakh 2225077 74381 61358 2870698 95684 82549
Above Rs. 5 lakh and upto Rs.10 lakh 538247 39734 32698 837978 61936 53070
Above Rs. 10 lakh and upto Rs.25 lakh 220005 35055 27900 409149 66175 55178
Above Rs. 25 lakh and upto Rs.50 lakh 53294 19464 15138 114442 42303 34398
Above Rs. 50 lakh and upto Rs.1 crore 25071 18927 14295 56696 42932 33560
Above Rs. 1 crore and upto Rs.4 crore 22198 46587 35566 46365 95451 75216
Above Rs. 4 crore and upto Rs.6 crore 4677 23484 17434 8106 40639 30959
Above Rs. 6 crore and upto Rs.10 crore 4252 35105 25989 7894 64122 46582
Above Rs. 10 crore and upto Rs.25 crore 4552 74673 55506 7312 120570 89905
63
TABLE 5.2 : BANK GROUP-WISE DISTRIBUTION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO SIZE OF CREDIT LIMIT - 2008 (Contd.)
Rs. 25000 and less 1657359 2910 554 9373585 15468 12816
Above Rs. 25000 and upto Rs.2 lakh 6153580 50771 16193 6378916 39743 32874
Above Rs. 2 lakh and upto Rs.5 lakh 605534 18218 10802 339617 10778 8794
Above Rs. 5 lakh and upto Rs.10 lakh 146937 10114 7387 26959 1942 1593
Above Rs. 10 lakh and upto Rs.25 lakh 84123 13623 11584 5994 976 749
Above Rs. 25 lakh and upto Rs.50 lakh 26222 9044 7466 1281 468 355
Above Rs. 50 lakh and upto Rs.1 crore 9251 6674 5416 467 347 257
Above Rs. 1 crore and upto Rs.4 crore 7931 15374 12534 188 335 267
Above Rs. 4 crore and upto Rs.6 crore 1485 7312 5567 17 82 71
Above Rs. 6 crore and upto Rs.10 crore 1329 10926 7487 13 96 77
Above Rs. 10 crore and upto Rs.25 crore 1968 31834 21877 5 67 34
64
TABLE 5.2 : BANK GROUP-WISE DISTRIBUTION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO SIZE OF CREDIT LIMIT - 2008 (Concld.)
Rs. 25000 and less 7354139 9612 5754 38298075 58536 46420
Above Rs. 25000 and upto Rs.2 lakh 15912695 100457 50976 56256311 404839 284602
Above Rs. 2 lakh and upto Rs.5 lakh 2135030 70478 50211 8175956 269540 213714
Above Rs. 5 lakh and upto Rs.10 lakh 883689 64692 46578 2433810 178419 141326
Above Rs. 10 lakh and upto Rs.25 lakh 500803 75242 60175 1220074 191070 155586
Above Rs. 25 lakh and upto Rs.50 lakh 110104 39164 31570 305343 110444 88926
Above Rs. 50 lakh and upto Rs.1 crore 39671 29473 23547 131156 98352 77074
Above Rs. 1 crore and upto Rs.4 crore 25744 51813 43380 102426 209559 166963
Above Rs. 4 crore and upto Rs.6 crore 4221 21170 17030 18506 92688 71062
Above Rs. 6 crore and upto Rs.10 crore 3691 31277 22458 17179 141525 102593
Above Rs. 10 crore and upto Rs.25 crore 3452 58304 42010 17289 285448 209332
65
GRAPH - 5
DISTRIBUTION OF OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL
BANKS ACCORDING TO INTEREST RATE RANGE - 2007 AND 2008
(As on March 31)
2007
2008
66
TABLE 5.3 : DISTRIBUTION OF OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL BANKS
ACCORDING TO INTEREST RATE RANGE - 2007 AND 2008
6% and above but less than 10% 2685179 441947 340758 2138944 241306 186755
(26.8) (20.2) (21.4)
10% and above but less than 12% 2276352 507502 375419 2990699 791319 604402
(22.7) (23.2) (23.6)
12% and above but less than 14% 2143424 532903 373306 3606268 825314 642175
(21.4) (24.3) (23.4)
14% and above but less than 15% 448629 463111 334591 867451 473437 369518
(4.5) (21.2) (21.0)
15% and above but less than 16% 1745444 137769 99929 1536397 139460 101723
(17.4) (6.3) (6.3)
16% and above but less than 17% 117388 51326 33822 200782 53740 39775
(1.2) (2.3) (2.1)
17% and above but less than 18% 165583 34010 20937 274213 30132 22552
(1.7) (1.6) (1.3)
18% and above but less than 20% 90833 3741 2233 264842 10671 8262
(0.9) (0.2) (0.1)
Total loans & advances 10012087 2188482 1591808 12351431 2582564 1982803
(100.0) (100.0) (100.0)
Inland & foreign bills purchased/discounted 82542 197777 76396 84363 238152 103182
Notes : 1. Data relate to accounts each with credit limit over Rs.2 lakh.
2. Figures in bracket represent per cent share in total loans and advances.
Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 37, March 2008.
67
TABLE 5.4 : OUTSTANDING ADVANCES OF SCHEDULED COMMERCIAL BANKS TO EXPORTERS
March 40460 45387 43123 50248 59744 69452 86207 104926 129983 128940
June 41814 44287 47225 51443 62956 70434 93067 107983 129956 119717
September 43339 41229 44804 52339 64582 75391 94773 113373 136172 120637
December 44292 43226 45984 56710 66712 81965 97763 117719 137451
Notes : Figures since the financial year 2005-06 include outstanding advances of 3 cooperative banks, viz.,
(i) Bombay Mercantile Co-operative Bank,
(ii) Maharashtra State Co-operative Bank and (iii) Saraswat Co-operative Bank.
Source : Monetary Policy Department, RBI.
1. SBI & its 12295 13251 9010 13844 15599 14449 11773 13471 13735 15684 13711 16235 13492
Associates
2. Nationalised 26400 25979 22529 25738 28731 27450 23344 24854 28263 31900 29028 33257 30231
Banks
3. Public Sector 38695 39230 31539 39582 44329 41900 35117 38324 41998 47584 42738 49492 43723
Banks (1+2)
4. Foreign Banks - - - - - - - - - - - - -
5. Other Scheduled 1995 2068 1919 2047 2191 2057 1891 1943 2401 2562 2437 2618 2488
Commercial Banks
Total (3+4) 40691 41298 33458 41629 46521 43956 37008 40268 44399 50147 45175 52110 46211
68
TABLE 5.6: SECTOR-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS
I Gross Bank Credit (II + III) 1806839 1800247 1813750 1822768 1868518 1938066
IIFood Credit 49887 44864 43956 41296 38490 37008
III
Non-Food Gross Bank Credit (1 to 4) 1756952 1755383 1769794 1781472 1830028 1901058
1 Agriculture & Allied Activities 222307 221492 222868 222876 221434 229920
2 Industry (Micro & Small, Medium & Large) 665693 663238 669759 678359 700414 727945
2.1 Micro and Small 111133 112855 114496 115902 118974 123956
2.2 Medium 94448 93780 92985 94504 97580 98101
2.3 Large 460112 456603 462277 467953 483860 505888
3 Services 401655 403828 407430 408039 425848 449626
3.1 Transport Operators 25941 25243 24588 26118 28501 31404
3.2 Computer Software 4694 4685 5151 5877 6787 6376
3.3 Tourism and Hotels and Restaurants 9641 10011 10277 10730 10665 10314
3.4 Shipping 6767 6898 7334 6743 7302 6802
3.5 Professional Services 23310 22998 21546 22000 23380 24187
3.6 Trade 103774 105728 104140 104497 106717 111770
3.6.1 Wholesale Trade
(other than food procurement) 47572 49026 47591 47698 48807 51485
3.6.2 Retail Trade 56202 56702 56549 56799 57910 60285
3.7 Others 227528 228265 234394 232073 242496 258773
3.7.1 Real Estate Loans 45812 47164 47267 45881 47768 49513
3.7.2 Non-Banking Financial Companies 50603 48263 48469 49317 51001 54499
3.7.3 All Others 131113 132838 138658 136876 143727 154761
4 Personal Loans 467297 466825 469737 472197 482332 493567
4.1 Consumer Durables 9805 9849 9617 9448 9707 10163
4.2 Housing 232781 234745 236043 238075 240181 246293
4.3 Advances against F.D.(including
FCNR(B), NRNR Deposits, etc.) 40918 39522 40055 40496 41551 42414
4.4 Advances to individuals against
share,bonds,etc. 4227 4159 4040 4017 3810 3758
4.5 Credit Card Outstandings 19707 19975 20428 20765 21883 22475
4.6 Education 15213 15438 15833 16366 17224 18149
4.7 Vehicle Loans 60773 62611 62952 63507 64889 65932
4.8 Other Personal Loans 83873 80526 80768 79523 83086 84383
5 Priority Sector# 623945 627574 631419 639053 643212 661967
5.1 Agriculture & Allied Activities 222307 221492 222868 222876 221434 229920
5.2 Micro and Small Enterprises (MSEs) 166757 170662 173488 176401 179951 186041
(a) Manufacturing 111133 112855 114496 115902 118974 123956
(b) Services 55624 57807 58992 60499 60977 62085
5.3 Housing 166695 168761 170987 173775 173344 179294
5.4 Retail Trade 36905 36355 37303 37530 39382 41719
5.5 Micro-credit 10930 10912 11191 11761 12206 12491
5.6 Educational Loans 15084 15672 15825 16729 17656 19193
5.7 State-sponsored Organisations for
scheduled castes (SCs) /scheduled
tribes (STs) 1388 1447 1424 1380 1444 1473
5.8 Weaker Sections 90435 91432 91142 90995 90592 93748
5.9 Export Credit@ 16896 18258 18269 17671 19226 18746
Notes : 1. Data are provisional and relate to select scheduled commercial banks which account for more than 95 per cent
of bank credit of all scheduled commercial banks.
2. Gross bank credit data include bills rediscounted with Reserve Bank, EXIM Bank, other approved financial
institutions and inter-bank participations.
# Excluding investment in eligible securities.
@ Export credit under priority sector is eligible for foreign banks only.
Source : Monetary Policy Department, RBI
69
TABLE 5.6: SECTOR-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Contd.)
I Gross Bank Credit (II + III) 1925396 1960034 2015302 2048871 2126312 2249201
IIFood Credit 35866 37697 40268 39183 42818 44399
III
Non-Food Gross Bank Credit (1 to 4) 1889530 1922337 1975034 2009688 2083494 2204802
1 Agriculture & Allied Activities 228026 232571 236194 238645 245627 275343
2 Industry (Micro & Small, Medium & Large) 726032 737477 766666 777864 811535 858344
2.1 Micro and Small 124716 127535 129763 128802 131388 132698
2.2 Medium 99188 98535 103798 106333 108962 110800
2.3 Large 502128 511407 533105 542729 571185 614846
3 Services 445564 454405 469712 485014 505158 549496
3.1 Transport Operators 29850 29419 29112 31103 33022 36821
3.2 Computer Software 7603 7801 8096 7658 7514 8251
3.3 Tourism and Hotels and Restaurants 10413 10544 11069 11057 12154 12213
3.4 Shipping 6717 6788 6922 7254 7435 7559
3.5 Professional Services 23726 23838 24643 24260 24698 27123
3.6 Trade 111173 113270 117209 117974 120808 123828
3.6.1 Wholesale Trade
(other than food procurement) 50942 52066 53986 54663 56561 55749
3.6.2 Retail Trade 60231 61204 63223 63311 64247 68079
3.7 Others 256082 262745 272661 285708 299526 333702
3.7.1 Real Estate Loans 50539 51571 52665 53258 57148 63349
3.7.2 Non-Banking Financial Companies 53951 55868 62329 65401 66052 78956
3.7.3 All Others 151592 155306 157667 167049 176327 191397
4 Personal Loans 489908 497884 502462 508165 521174 521618
4.1 Consumer Durables 10002 10087 10079 10264 10610 9798
4.2 Housing 244908 249227 253200 253496 257892 260123
4.3 Advances against F.D.(including
FCNR(B), NRNR Deposits, etc.) 39612 39802 41007 41964 42852 45040
4.4 Advances to individuals against
share,bonds,etc. 3510 3808 4194 4671 4469 4075
4.5 Credit Card Outstandings 23288 23900 25076 25839 26804 26731
4.6 Education 18641 18989 19522 20168 20799 20533
4.7 Vehicle Loans 65350 66867 60714 60205 60493 58622
4.8 Other Personal Loans 84597 85204 88670 91558 97255 96697
5 Priority Sector# 657849 671198 681276 684229 710098 748074
5.1 Agriculture & Allied Activities 228026 232571 236194 238645 245627 275343
5.2 Micro and Small Enterprises (MSEs) 187530 192619 196974 196720 200096 204892
(a) Manufacturing 124716 127535 129763 128802 131388 132698
(b) Services 62814 65084 67211 67918 68708 72194
5.3 Housing 178201 181864 183185 184405 178517 180715
5.4 Retail Trade 40956 41773 42843 43238 44798 47185
5.5 Micro-credit 12624 12629 12932 12990 13420 13337
5.6 Educational Loans 19161 19642 20118 20414 20677 19442
5.7 State-sponsored Organisations for
scheduled castes (SCs) /scheduled
tribes (STs) 1471 1486 1562 1577 1697 1701
5.8 Weaker Sections 94580 96195 99496 99376 102137 106714
5.9 Export Credit@ 21993 22608 23497 23591 26557 25233
Notes : 1. Data are provisional and relate to select scheduled commercial banks which account for more than 95 per cent
of bank credit of all scheduled commercial banks.
2. Gross bank credit data include bills rediscounted with Reserve Bank, EXIM Bank, other approved financial
institutions and inter-bank participations.
# Excluding investment in eligible securities.
@ Export credit under priority sector is eligible for foreign banks only.
Source : Monetary Policy Department, RBI
70
TABLE 5.6: SECTOR-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Contd.)
I Gross Bank Credit (II + III) 2205411 2229077 2282836 2305756 2359176 2435715
IIFood Credit 41024 54343 50147 50360 44343 45175
III
Non-Food Gross Bank Credit (1 to 4) 2164387 2174734 2232689 2255396 2314833 2390540
1 Agriculture & Allied Activities 265348 264787 265747 256149 262619 275201
2 Industry (Micro & Small, Medium & Large) 850771 858515 884243 898010 930643 979836
2.1 Micro and Small 134338 136112 140838 141295 142839 144402
2.2 Medium 110378 111525 112394 113485 116631 119677
2.3 Large 606055 610878 631011 643230 671173 715757
3 Services 526679 522949 543356 558804 569176 582593
3.1 Transport Operators 35926 35248 36283 35247 35986 37888
3.2 Computer Software 8247 7725 8085 8127 8394 8789
3.3 Tourism and Hotels and Restaurants 11951 11534 12095 12150 12334 12861
3.4 Shipping 7558 7502 7937 7816 8069 7738
3.5 Professional Services 32413 31942 33655 37333 38494 38832
3.6 Trade 122266 122438 125634 126542 129403 132736
3.6.1 Wholesale Trade
(other than food procurement) 55726 55820 57035 57329 59167 62489
3.6.2 Retail Trade 66539 66618 68599 69213 70236 70247
3.7 Others 308319 306560 319667 331589 336496 343750
3.7.1 Real Estate Loans 61160 61045 64637 66039 68348 70222
3.7.2 Non-Banking Financial Companies 72731 71974 76047 75919 77444 81604
3.7.3 All Others 174429 173541 178983 189631 190704 191924
4 Personal Loans 521589 528483 539343 542433 552395 552910
4.1 Consumer Durables 9585 9648 8897 9782 9403 8969
4.2 Housing 260459 263360 265579 266798 270053 269962
4.3 Advances against F.D.(including
FCNR(B), NRNR Deposits, etc.) 42591 42220 42326 43444 44470 46373
4.4 Advances to individuals against
share,bonds,etc. 4476 4415 4359 4289 4230 4341
4.5 Credit Card Outstandings 27400 26596 27874 28030 29056 29285
4.6 Education 20911 21352 21813 22564 23800 24882
4.7 Vehicle Loans 62537 65482 66722 63671 62229 62102
4.8 Other Personal Loans 93630 95410 101773 103855 109154 106997
5 Priority Sector# 754811 766949 782594 776713 788357 808865
5.1 Agriculture & Allied Activities 265348 264787 265747 256149 262619 275201
5.2 Micro and Small Enterprises (MSEs) 208038 210313 216029 217277 217964 220782
(a) Manufacturing 134337 136112 140838 141295 142839 144402
(b) Services 73700 74201 75191 75982 75125 76380
5.3 Housing 181491 185019 185567 182350 184749 185121
5.4 Retail Trade 44110 45873 45588 46297 47122 47717
5.5 Micro-credit 14065 13728 14081 14751 15020 14999
5.6 Educational Loans 20300 21173 21191 22239 24160 24202
5.7 State-sponsored Organisations for
scheduled castes (SCs) /scheduled
tribes (STs) 1825 1799 1933 1991 2021 2130
5.8 Weaker Sections 106115 106200 105153 105999 108300 112783
5.9 Export Credit@ 25942 27708 25666 25666 28992 31143
Notes : 1. Data are provisional and relate to select scheduled commercial banks which account for more than 95 per cent
of bank credit of all scheduled commercial banks.
2. Gross bank credit data include bills rediscounted with Reserve Bank, EXIM Bank, other approved financial
institutions and inter-bank participations.
# Excluding investment in eligible securities.
@ Export credit under priority sector is eligible for foreign banks only.
Source : Monetary Policy Department, RBI
71
TABLE 5.6: SECTOR-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Concld.)
I Gross Bank Credit (II + III) 2494019 2509872 2521911 2512796 2541115 2648034
IIFood Credit 48255 49391 52110 46491 48430 46211
III
Non-Food Gross Bank Credit (1 to 4) 2445764 2460481 2469801 2466305 2492685 2601823
1 Agriculture & Allied Activities 281318 282565 289255 294022 297753 338656
2 Industry (Micro & Small, Medium & Large) 997602 1010175 1018610 1014204 1039821 1054390
2.1 Micro and Small 148292 154949 155560 156204 163501 168997
2.2 Medium 120724 120239 122104 122853 123662 122155
2.3 Large 728586 734987 740946 735147 752658 763238
3 Services 603528 603955 593289 600471 599719 646299
3.1 Transport Operators 36819 36593 38159 38058 38638 39302
3.2 Computer Software 8361 8244 8369 8208 9200 9687
3.3 Tourism and Hotels and Restaurants 13205 12765 12442 12708 13551 13625
3.4 Shipping 8053 8027 8290 8529 9035 9417
3.5 Professional Services 42188 42938 40652 40084 39841 45373
3.6 Trade 134168 136450 139820 133767 138187 144377
3.6.1 Wholesale Trade
(other than food procurement) 62454 63509 66638 61312 64435 67425
3.6.2 Retail Trade 71714 72941 73182 72455 73752 76952
3.7 Others 360732 358938 345557 359117 351267 384518
3.7.1 Real Estate Loans 72868 76847 76437 88401 90765 92421
3.7.2 Non-Banking Financial Companies 86616 86015 86102 93158 90521 98853
3.7.3 All Others 201248 196076 183018 177558 169981 193244
4 Personal Loans 563316 563786 568647 557608 555392 562479
4.1 Consumer Durables 8741 9097 9129 8191 8211 8187
4.2 Housing 271817 271940 273071 273101 274323 279366
4.3 Advances against F.D.(including
FCNR(B), NRNR Deposits, etc.) 49958 50828 49739 47194 45779 48676
4.4 Advances to individuals against
share,bonds,etc. 4037 3714 3236 2539 2411 2287
4.5 Credit Card Outstandings 29938 30047 29359 28831 28926 28000
4.6 Education 25536 26265 26760 27721 27832 28579
4.7 Vehicle Loans 61195 60815 62740 62270 61577 62095
4.8 Other Personal Loans 112096 111080 114613 107761 106333 105290
5 Priority Sector# 820151 822754 825953 847444 844575 932459
5.1 Agriculture & Allied Activities 281318 282565 289255 294022 297753 338656
5.2 Micro and Small Enterprises (MSEs) 224581 233595 235695 236716 247585 259998
(a) Manufacturing 148292 154949 155560 156204 163501 168997
(b) Services 76289 78646 80135 80512 84084 91000
5.3 Housing 187414 184268 187333 189194 189516 197110
5.4 Retail Trade 46758 47746 48330 47704 48241 49198
5.5 Micro-credit 15311 15357 15393 16215 16663 16579
5.6 Educational Loans 24757 26032 26020 26611 27609 27861
5.7 State-sponsored Organisations for
scheduled castes (SCs) /scheduled
tribes (STs) 2155 2249 2234 2274 2300 2451
5.8 Weaker Sections 116358 119225 121366 125689 128936 139422
5.9 Export Credit@ 31092 29765 25561 24375 25035 27339
Notes : 1. Data are provisional and relate to select scheduled commercial banks which account for more than 95 per cent
of bank credit of all scheduled commercial banks.
2. Gross bank credit data include bills rediscounted with Reserve Bank, EXIM Bank, other approved financial
institutions and inter-bank participations.
# Excluding investment in eligible securities.
@ Export credit under priority sector is eligible for foreign banks only.
Source : Monetary Policy Department, RBI
72
TABLE 5.7: INDUSTRY-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS
(Amount in Rs. crore)
As on last reporting Friday
Industry April May June July August September
2007 2007 2007 2007 2007 2007
(1) (2) (3) (4) (5) (6)
2.1 Mining and Quarrying ( incl.Coal) 8874 8374 8166 8791 8874 9458
2.2 Food Processing 37319 36157 37436 38243 38637 39357
2.2.1 Sugar 11281 10709 11233 11459 11975 12012
2.2.2 Edible Oils and Vanaspati 5631 5684 5743 5307 5064 5351
2.2.3 Tea 2443 2199 2427 2862 2641 2912
2.2.4 Others 17963 17563 18031 18615 18957 19082
2.3 Beverage & Tobacco 4614 4552 4527 4859 4828 4987
2.4 Textiles 77394 77486 77797 78802 79595 81089
2.4.1 Cotton Textiles 37223 37843 38144 38027 38905 39869
2.4.2 Jute Textiles 1131 1097 1057 861 933 1123
2.4.3 Man-made Textile 4599 4655 4652 4716 4815 4585
2.4.4 Other Textiles 34440 33892 33945 35198 34942 35512
2.5 Leather & Leather Products 5015 4896 4873 4854 4957 5514
2.6 Wood and Wood Products 2219 2306 2386 2450 2524 2503
2.7 Paper & Paper Products 10996 11140 11156 11415 11416 12151
2.8 Petroleum, Coal Products and
Nuclear Fuels. 29115 29372 29000 30473 32743 37412
2.9 Chemicals and Chemical Products 51540 50926 51731 52732 53585 54798
2.9.1 Fertiliser 9243 9182 8662 8417 8855 8804
2.9.2 Drugs & Pharmaceuticals 18616 18181 18805 18625 19506 20657
2.9.3 Petro-chemicals 6408 6471 6570 7954 7244 6435
2.9.4 Others 17273 17092 17694 17736 17980 18902
2.10 Rubber, Plastic & their Products 9370 9279 9313 9582 9709 9919
2.11 Glass and Glass Ware 2309 2239 2258 2526 2584 2562
2.12 Cement and Cement Products 8845 8677 8714 8749 9195 9796
2.13 Basic Metals and Metal Products 87390 84986 86063 86100 88116 91213
2.13.1 Iron and Steel 66955 64523 65395 65486 67091 70180
2.13.2 Other Metal and Metal Products 20435 20463 20668 20614 21024 21033
2.14 Engineering 43498 43578 43989 44662 46601 48585
2.14.1 Electronics 12847 12935 12885 13117 14055 14760
2.14.2 Others 30651 30643 31104 31545 32545 33825
2.15 Vehicles, Vehicle Parts and
Transport Equipments 21489 23633 23587 23771 25949 26667
2.16 Gems & Jewellery 23508 23366 23600 24078 23558 24150
2.17 Construction 19879 20198 20389 20396 21047 21265
2.18 Infrastructure 144531 143999 148137 150125 153833 161463
2.18.1 Power* 74888 74703 76478 77484 80541 84003
2.18.2 Telecommunications 20307 19856 20415 20174 19531 20095
2.18.3 Roads & Ports 26046 26936 27249 27596 28597 29950
2.18.4 Other Infrastructure 23290 22504 23996 24871 25165 27414
2.19 Other Industries 77788 78074 76636 75752 82663 85056
Notes : 1. Data are provisional and relate to select scheduled commercial banks which account for more than 95 per cent
of bank credit of all scheduled commercial banks.
2. Gross bank credit data include bills rediscounted with Reserve Bank, EXIM Bank, other approved financial
institutions and inter-bank participations.
* Genaration, transmission and distribution of electricity included.
Source : Monetary Policy Department, RBI
73
TABLE 5.7: INDUSTRY-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Contd.)
(Amount in Rs. crore)
As on last reporting Friday
Industry October November December January February March
2007 2007 2007 2008 2008 2008
(7) (8) (9) (10) (11) (12)
2.1 Mining and Quarrying ( incl.Coal) 9680 9907 10419 10503 11277 12277
2.2 Food Processing 40092 41106 43147 44555 47233 49397
2.2.1 Sugar 11999 12292 12793 13505 14945 16080
2.2.2 Edible Oils and Vanaspati 5930 6244 6697 6561 6776 7243
2.2.3 Tea 2764 2619 2555 2460 2505 2483
2.2.4 Others 19399 19951 21102 22029 23007 23591
2.3 Beverage & Tobacco 4914 4958 5326 5615 5761 6294
2.4 Textiles 81464 82962 86006 87347 92177 96398
2.4.1 Cotton Textiles 39717 40386 42214 43308 46463 47746
2.4.2 Jute Textiles 1178 1105 1200 1024 977 1080
2.4.3 Man-made Textile 4329 4427 4596 4543 4949 5285
2.4.4 Other Textiles 36243 37044 37997 38471 39789 42288
2.5 Leather & Leather Products 5358 5278 5373 5429 5560 5742
2.6 Wood and Wood Products 2579 2648 3108 3043 3215 3164
2.7 Paper & Paper Products 11746 12011 12394 12744 13196 13469
2.8 Petroleum, Coal Products and
Nuclear Fuels. 34462 35016 37229 39874 41023 42067
2.9 Chemicals and Chemical Products 53711 54519 56732 58382 59878 62562
2.9.1 Fertiliser 8387 8188 8674 8890 9492 9186
2.9.2 Drugs & Pharmaceuticals 20640 21524 22096 22308 23444 23502
2.9.3 Petro-chemicals 6224 6461 7542 8051 7656 8779
2.9.4 Others 18460 18345 18420 19133 19286 21096
2.10 Rubber, Plastic & their Products 9700 9738 10001 10471 10455 11213
2.11 Glass and Glass Ware 2686 2632 2671 2694 2712 2783
2.12 Cement and Cement Products 9494 9894 10453 10811 11761 12544
2.13 Basic Metals and Metal Products 96445 98024 100608 93950 98591 107593
2.13.1 Iron and Steel 75370 76900 78965 71731 74609 82696
2.13.2 Other Metal and Metal Products 21075 21124 21643 22220 23982 24899
2.14 Engineering 48776 49418 50753 51196 52254 54439
2.14.1 Electronics 14362 14245 15214 15635 15371 15843
2.14.2 Others 34414 35173 35539 35561 36883 38596
2.15 Vehicles, Vehicle Parts and
Transport Equipments 25616 26001 27912 27660 28487 29323
2.16 Gems & Jewellery 24057 24178 24706 24074 24624 25101
2.17 Construction 20812 21451 21917 22649 23570 27946
2.18 Infrastructure 163201 163860 171596 181150 191149 205336
2.18.1 Power* 83525 83140 85642 84999 89125 95075
2.18.2 Telecommunications 22648 22774 24839 32618 34581 38282
2.18.3 Roads & Ports 30396 30093 31293 31924 33705 34476
2.18.4 Other Infrastructure 26632 27853 29822 31609 33739 37501
2.19 Other Industries 81239 83876 86313 85717 88788 90697
Notes : 1. Data are provisional and relate to select scheduled commercial banks which account for more than 95 per cent
of bank credit of all scheduled commercial banks.
2. Gross bank credit data include bills rediscounted with Reserve Bank, EXIM Bank, other approved financial
institutions and inter-bank participations.
* Genaration, transmission and distribution of electricity included.
Source : Monetary Policy Department, RBI
74
TABLE 5.7: INDUSTRY-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Contd.)
(Amount in Rs. crore)
As on last reporting Friday
Industry April May June July August September
2008 2008 2008 2008 2008 2008
(13) (14) (15) (16) (17) (18)
2.1 Mining and Quarrying ( incl.Coal) 10909 11361 11975 12616 12801 14073
2.2 Food Processing 50635 50493 51912 50775 50394 50802
2.2.1 Sugar 16553 16768 16594 16816 16148 15891
2.2.2 Edible Oils and Vanaspati 7706 7691 7228 6518 6327 6287
2.2.3 Tea 2326 2243 2242 2214 2249 2285
2.2.4 Others 24049 23791 25848 25227 25670 26339
2.3 Beverage & Tobacco 6243 5602 6106 6648 6505 6723
2.4 Textiles 95182 93916 97104 96611 96997 100799
2.4.1 Cotton Textiles 47330 46720 47719 47058 48172 48370
2.4.2 Jute Textiles 1046 1059 1081 1177 1223 1355
2.4.3 Man-made Textile 4569 4833 4859 4871 5144 5063
2.4.4 Other Textiles 42237 41304 43445 43505 42458 46010
2.5 Leather & Leather Products 5924 5938 5950 6086 5982 6034
2.6 Wood and Wood Products 3253 3212 3390 3620 3549 3558
2.7 Paper & Paper Products 13688 13826 14335 14028 14453 15274
2.8 Petroleum, Coal Products and
Nuclear Fuels. 43927 47289 46400 50367 60934 73287
2.9 Chemicals and Chemical Products 63625 65397 66934 66424 69757 77776
2.9.1 Fertiliser 9370 10021 10869 9096 10715 15480
2.9.2 Drugs & Pharmaceuticals 23265 22958 25216 25245 26068 27634
2.9.3 Petro-chemicals 9131 9871 7689 8294 8534 9376
2.9.4 Others 22249 22547 23160 23789 24440 25286
2.10 Rubber, Plastic & their Products 10854 11116 11670 11970 12124 12498
2.11 Glass and Glass Ware 2737 2816 3422 3612 3609 4069
2.12 Cement and Cement Products 13454 13546 14263 14508 15279 16650
2.13 Basic Metals and Metal Products 103979 103946 109796 111286 114695 121018
2.13.1 Iron and Steel 79423 78834 85015 85877 88268 92562
2.13.2 Other Metal and Metal Products 24555 25112 24781 25409 26427 28456
2.14 Engineering 52306 52551 55279 55217 56542 62381
2.14.1 Electronics 16680 16543 17510 16916 17559 21103
2.14.2 Others 35626 36008 37769 38301 38983 41278
2.15 Vehicles, Vehicle Parts and
Transport Equipments 29684 30015 31217 32120 33193 35874
2.16 Gems & Jewellery 24526 24826 25358 25935 27251 28411
2.17 Construction 27261 26082 29814 30450 31067 32901
2.18 Infrastructure 200873 203331 197116 203267 209366 217828
2.18.1 Power* 92881 93844 93888 95640 98112 103988
2.18.2 Telecommunications 36625 37773 30616 31984 33363 33536
2.18.3 Roads & Ports 33334 32814 34791 36156 36725 38100
2.18.4 Other Infrastructure 38034 38900 37821 39497 41166 42205
2.19 Other Industries 91711 93252 102202 102470 106145 99878
Notes : 1. Data are provisional and relate to select scheduled commercial banks which account for more than 95 per cent
of bank credit of all scheduled commercial banks.
2. Gross bank credit data include bills rediscounted with Reserve Bank, EXIM Bank, other approved financial
institutions and inter-bank participations.
* Genaration, transmission and distribution of electricity included.
Source : Monetary Policy Department, RBI
75
TABLE 5.7: INDUSTRY-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Concld.)
(Amount in Rs. crore)
As on last reporting Friday
Industry October November December January February March
2008 2008 2008 2009 2009 2009
(19) (20) (21) (22) (23) (24)
2.1 Mining and Quarrying ( incl.Coal) 13929 15161 13331 14315 14495 14241
2.2 Food Processing 50234 50646 52660 51704 53855 53779
2.2.1 Sugar 16080 15938 16615 17030 17809 17309
2.2.2 Edible Oils and Vanaspati 6700 7127 7092 6689 7039 6763
2.2.3 Tea 2336 2380 2398 2328 2738 2731
2.2.4 Others 25118 25201 26555 25657 26269 26976
2.3 Beverage & Tobacco 6948 7201 7738 7954 8121 8405
2.4 Textiles 100469 100518 102007 102699 103732 102695
2.4.1 Cotton Textiles 48490 49834 50514 51268 51338 51307
2.4.2 Jute Textiles 1431 1386 1433 1480 1501 1469
2.4.3 Man-made Textile 5107 5153 5288 6054 6293 6398
2.4.4 Other Textiles 45440 44145 44772 43897 44600 43521
2.5 Leather & Leather Products 5930 5940 5868 5912 5916 6146
2.6 Wood and Wood Products 3554 3897 3945 3972 4073 4138
2.7 Paper & Paper Products 15345 15575 15755 16056 16491 15983
2.8 Petroleum, Coal Products and
Nuclear Fuels. 76724 87249 79886 73198 72762 68147
2.9 Chemicals and Chemical Products 81787 75902 74619 71660 73269 75555
2.9.1 Fertiliser 19009 13967 13359 11014 12629 14265
2.9.2 Drugs & Pharmaceuticals 28085 28136 28318 28545 29159 29755
2.9.3 Petro-chemicals 8802 8466 8046 7817 8259 8782
2.9.4 Others 25890 25333 24896 24284 23232 22753
2.10 Rubber, Plastic & their Products 12707 12995 12766 13599 13269 13587
2.11 Glass and Glass Ware 4044 3780 3809 4096 4123 4240
2.12 Cement and Cement Products 17314 17863 18988 18805 19880 19220
2.13 Basic Metals and Metal Products 123533 124521 125888 127945 130494 128763
2.13.1 Iron and Steel 94513 95119 96822 98365 100383 99159
2.13.2 Other Metal and Metal Products 29020 29402 29066 29580 30111 29604
2.14 Engineering 62686 62509 63697 65378 66868 65807
2.14.1 Electronics 20712 20850 21000 19277 19768 18912
2.14.2 Others 41974 41659 42697 46101 47100 46895
2.15 Vehicles, Vehicle Parts and
Transport Equipments 36689 37052 35793 35514 35505 34642
2.16 Gems & Jewellery 28830 27672 28127 27742 27242 28537
2.17 Construction 32707 34309 34920 38977 38207 38505
2.18 Infrastructure 222987 227038 237313 242858 256860 269972
2.18.1 Power* 107033 108174 112058 112967 117827 124447
2.18.2 Telecommunications 34104 34220 36125 37892 44683 50326
2.18.3 Roads & Ports 38302 39123 40734 43551 43726 47060
2.18.4 Other Infrastructure 43548 45521 48396 48448 50624 48159
2.19 Other Industries 101184 100347 101500 91820 94659 102028
Notes : 1. Data are provisional and relate to select scheduled commercial banks which account for more than 95 per cent
of bank credit of all scheduled commercial banks.
2. Gross bank credit data include bills rediscounted with Reserve Bank, EXIM Bank, other approved financial
institutions and inter-bank participations.
* Genaration, transmission and distribution of electricity included.
Source : Monetary Policy Department, RBI
76
TABLE 6.1 : DISTRIBUTION OF SELECT ITEMS OF SCHEDULED COMMERCIAL BANKS’
ADVANCES TO PRIORITY SECTOR - 2008
(Amount in Rs. crore)
As on the last reporting Friday of March
Source : Half yearly returns on advances to priority sectors, Rural Planning and Credit Department, RBI.
77
TABLE 6.1 : DISTRIBUTION OF SELECT ITEMS OF SCHEDULED COMMERCIAL BANKS’
ADVANCES TO PRIORITY SECTOR - 2008 (Contd.)
(Amount in Rs. crore)
As on the last reporting Friday of March
Total advances to Of total advances to SE, Of total advances to SE,
State/Union Territories Small Enterprises (SE) advances to manufacturing advances to service
enterprises enterprises
No. of Balance No. of Balance No. of Balance
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(7) (8) (9) (10) (10) (11)
Source : Half yearly returns on advances to priority sectors, Rural Planning and Credit Department, RBI.
78
TABLE 6.1 : DISTRIBUTION OF SELECT ITEMS OF SCHEDULED COMMERCIAL BANKS’
ADVANCES TO PRIORITY SECTOR - 2008 (Contd.)
(Amount in Rs. crore)
As on the last reporting Friday of March
Of total advances to SE, Loans to artisans, village & Of total advances to SE,
State/Union Territories Term loans cottage industries credit limit advances to units in Khadi
not exceeding Rs 50000 & village Industries
No. of Balance No. of Balance No. of Balance
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(13) (14) (15) (16) (17) (18)
Source : Half yearly returns on advances to priority sectors, Rural Planning and Credit Department, RBI.
79
TABLE 6.1 : DISTRIBUTION OF SELECT ITEMS OF SCHEDULED COMMERCIAL BANKS’
ADVANCES TO PRIORITY SECTOR - 2008 (Contd.)
(Amount in Rs. crore)
As on the last reporting Friday of March
Loans granted to Micro credit (other than loans Total advances to weaker
State/Union Territories Retail Trade granted to SHGs/JLGs ) sections in priority sector
No. of Balance No. of Balance No. of Balance
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(19) (20) (21) (22) (23) (24)
Source : Half yearly returns on advances to priority sectors, Rural Planning and Credit Department, RBI.
80
TABLE 6.1 : DISTRIBUTION OF SELECT ITEMS OF SCHEDULED COMMERCIAL BANKS’
ADVANCES TO PRIORITY SECTOR - 2008 (Contd.)
(Amount in Rs. crore)
As on the last reporting Friday of March
Source : Half yearly returns on advances to priority sectors, Rural Planning and Credit Department, RBI.
81
TABLE 6.1 : DISTRIBUTION OF SELECT ITEMS OF SCHEDULED COMMERCIAL BANKS’
ADVANCES TO PRIORITY SECTOR - 2008 (Contd.)
(Amount in Rs. crore)
As on the last reporting Friday of March
Advance to Loans to Food & agro
State/Union Territories Total Housing loans Self Help Groups based processing units with
invest. In P& M upto 10 crs.
No. of Balance No. of Balance No. of Balance
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(31) (32) (33) (34) (35) (36)
Source : Half yearly returns on advances to priority sectors, Rural Planning and Credit Department, RBI.
82
TABLE 6.1 : DISTRIBUTION OF SELECT ITEMS OF SCHEDULED COMMERCIAL BANKS’
ADVANCES TO PRIORITY SECTOR - 2008 (Concld.)
(Amount in Rs. crore)
As on the last reporting Friday of March
Export Credit Export Credit Total Export** Total Priority sector
State/Union Territories to SE to Non - SE Credit advances
No. of Balance No. of Balance No. of Balance No. of Balance
Accounts Outstanding Accounts Outstanding Accounts Outstanding Accounts Outstanding
(37) (38) (39) (40) (41) (42) (43) (44)
Western Region 142 1523 975 13530 1117 15054 5316336 216958
Gujarat 5 19 88 536 93 556 1773401 40053
Maharashtra 137 1504 887 12994 1024 14498 3474396 174832
Daman &Diu - - - - - - 931 58
Goa - - - - - - 65261 1936
Dadra & Nagar Haveli - - - - - - 2347 80
All India 223 1852 2148 27103 2372 28954 45580373 824773
83
TABLE 6.2 : STATE-WISE DISTRIBUTION OF OUTSTANDING ADVANCES OF SCHEDULED
COMMERCIAL BANKS TO AGRICULTURE - 2008
(Amount in Rs. crore)
As on the last Friday of March
Source : Half yearly returns on advances to priority sectors, Rural Planning and Credit Department, RBI.
84
TABLE 6.2 : STATE-WISE DISTRIBUTION OF OUTSTANDING ADVANCES OF SCHEDULED
COMMERCIAL BANKS TO AGRICULTURE - 2008 (Contd.)
(Amount in Rs. crore)
As on the last reporting Friday of March
Loans to Loans to corporates, Loans to corporates, Loans granted to
Region/State/ individual farmers partnership firms, credit partnership firms, credit pre & post
Union Territory limit upto Rs. 1 cr. limit above Rs. 1 cr. harvest activities
No. of Balance No. of Balance No. of Balance No. of Balance
Accounts Outstanding Accounts Outstanding Accounts Outstanding Accounts Outstanding
(7) (8) (9) (10) (11) (12) (13) (14)
Northern Region 2724773 31781 64674 6521 1106 9234 196586 2121
Delhi 21821 1932 2706 4749 249 5013 1212 522
Punjab 727811 10270 30997 642 188 891 54268 518
Haryana 455432 6723 13535 561 302 1154 25437 249
Chandigarh 32344 491 875 184 80 1059 621 4
Jammu & Kashmir 52562 595 538 50 3 - 4 -
Himachal Pradesh 152583 1220 12201 78 6 214 21552 6
Rajasthan 1282220 10550 3822 257 278 902 93492 822
Eastern Region 3348952 14544 25723 1810 1790 2015 175317 539
Bihar 1131530 4322 3029 189 20 54 37901 174
Jharkhand 416702 1260 2111 73 8 8 61271 140
West Bengal 1019242 5807 14913 1292 1718 1806 32683 107
Orissa 770872 3112 5563 251 44 147 43462 118
Sikkim 8915 37 58 3 - - - -
Andaman& Nicobar 1691 7 49 3 - - - -
Central Region 5694963 35423 40705 1989 604 1321 243683 1869
Uttar Pradesh 3894781 21005 21956 866 426 688 127069 495
Uttarakhand 232986 1555 11739 70 12 21 14163 37
Madhya Pradesh 1347912 11500 5664 963 120 376 98365 1228
Chattisgarh 219284 1363 1346 91 46 236 4086 110
Western Region 2908817 22933 38156 5203 12923 6197 156492 1495
Gujarat 1159631 7129 13477 784 10226 1226 42229 421
Maharashtra 1730161 15649 22944 4351 2686 4958 113872 1067
Daman &Diu 103 1 10 1 - - - -
Goa 18164 150 1688 66 11 13 266 6
Dadra & Nagar Haveli 758 5 37 2 - - 125 1
Southern Region 14223585 70649 72517 3975 6311 8372 272657 1588
Andhra Pradesh 5481200 22822 35294 1397 2917 3118 31557 317
Karnataka 2005249 16241 4783 502 847 1735 23774 298
Lakshadweep 763 2 10 - - - - -
Tamilnadu 5116317 21453 13850 1245 2262 3100 67242 443
Kerala 1559181 9816 10167 694 284 418 149955 530
Puducherry 60875 315 8413 137 1 1 129 -
All India 29272135 176619 256190 20156 22789 27240 1048427 7626
Source : Half yearly returns on advances to priority sectors, Rural Planning and Credit Department, RBI.
85
TABLE 6.2 : STATE-WISE DISTRIBUTION OF OUTSTANDING ADVANCES OF SCHEDULED
COMMERCIAL BANKS TO AGRICULTURE - 2008 (Contd.)
(Amount in Rs. crore)
As on the last reporting Friday of March
Loans to Food & agro Agriclinics and Loans to farmers Loans to NBFCs for
Region/State/ based processing units with Agri-Business thro' PACS/FSS/LAMPS onlending to indiv. farmers
Union Territory invest. In P& M upto 10 crs. centres or their SHGs/JLGs
No. of Balance No. of Balance No. of Balance No. of Balance
Accounts Outstanding Accounts Outstanding Accounts Outstanding Accounts Outstanding
(15) (16) (17) (18) (19) (20) (21) (22)
Southern Region 84365 4209 13434 734 12104 838 403 208
Andhra Pradesh 4286 2192 11867 708 11685 785 213 98
Karnataka 2564 507 352 8 224 48 27 23
Lakshadweep - - - - - - - -
Tamilnadu 8867 538 359 7 125 3 52 54
Kerala 68497 962 856 11 70 2 111 33
Puducherry 151 11 - - - - - -
All India 99314 13993 16667 1248 21403 1542 5728 1038
Source : Half yearly returns on advances to priority sectors, Rural Planning and Credit Department, RBI.
86
TABLE 6.2 : STATE-WISE DISTRIBUTION OF OUTSTANDING ADVANCES OF SCHEDULED
COMMERCIAL BANKS TO AGRICULTURE - 2008 (Concld.)
(Amount in Rs. crore)
As on the last reporting Friday of March
Loans to NGOs/MFIs for Other types of indirect
Region/State/ onlending to indiv. Farmers finance for agriculture
Union Territory or their SHGs/JLGs & allied activities
No. of Balance No. of Balance
Accounts Outstanding Accounts Outstanding
(23) (24) (25) (26)
Source : Half yearly returns on advances to priority sectors, Rural Planning and Credit Department, RBI.
87
TABLE 6.3 : DISTRIBUTION OF OUTSTANDING ADVANCES OF PUBLIC SECTOR BANKS
TO PRIORITY SECTORS - 2009
(No. of Accounts in lakh and Amount in Rs. crore)
As on the last reporting Friday of March
Total off Total Off-Total Priority Sector Advances
Adjusted Net Balance ANBC/OBE (PSA) % of PSA
Bank group / Bank Bank credit sheet whichever is to ANBC/OBE
(ANBC) Exposures higher No. of Amount
(OBE) A/Cs. Outstanding
(1) (2) (3) (4) (5) (6)
88
TABLE 6.4 : DISTRIBUTION OF OUTSTANDING ADVANCES OF PUBLIC SECTOR
BANKS TO AGRICULTURE - 2009
(No. of Accounts in lakh and Amount in Rs. crore)
As on the last reporting Friday of March
Total Agricultural Direct Agricultural Indirect Agricultural
Bank group / Bank Advances Advances Advances
No. of Amount No. of Amount No. of Amount
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(1) (2) (3) (4) (5) (6)
89
TABLE 6.5(A) : DISTRIBUTION OF OUTSTANDING DIRECT AND INDIRECT ADVANCES OF PUBLIC SECTOR
BANKS TO SMALL ENTERPRISES - 2009
(No. of Accounts in lakh and Amount in Rs. crore)
As on the last reporting Friday of March
Total credit to
Small Enterprises Direct Credit to Indirect Credit to
Bank group / Bank including manufacturing Small Enterprises Small Enterprises
& services enterprises
No. of Amount No. of Amount No. of Amount
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(1) (2) (3) (4) (5) (6)
90
TABLE 6.5 (B) : DISTRIBUTION OF OUTSTANDING ADVANCES OF PUBLIC SECTOR BANKS
TO SMALL ENTERPRISES - 2009
(No. of Accounts in lakh and Amount in Rs. crore)
As on the last reporting Friday of March
Manufacturing Service Advances to Khadi &
Bank group / Bank Enterprises Enterprises village industries sector
No. of Amount No. of Amount No. of Amount
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(1) (2) (3) (4) (5) (6)
91
TABLE 6.5(C) : DISTRIBUTION OF OUTSTANDING ADVANCES OF PUBLIC SECTOR BANKS
TO RETAIL TRADE, MICRO CREDIT AND STATE SPONSORED ORGANISATIONS - 2009
(No. of Accounts in lakh and Amount in Rs. crore)
As on the last reporting Friday of March
Micro Credit (other
Retail Trade than for agriculture State Sponsored
Bank group / Bank & allied activities) Organisations for SC/ST
No. of Amount No. of Amount No. of Amount
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(1) (2) (3) (4) (5) (6)
92
TABLE 6.5 (D) : DISTRIBUTION OF OUTSTANDING ADVANCES OF PUBLIC SECTOR BANKS TO
EDUCATION, HOUSING AND EXPORT- 2009
(No. of Accounts in lakh and Amount in Rs. crore)
As on the last reporting Friday of March
93
TABLE 6.6 : DISTRIBUTION OF OUTSTANDING ADVANCES OF PUBLIC SECTOR BANKS UNDER
DIFFERENTIAL RATES OF INTEREST ( DRI ) SCHEME AND TO THE WEAKER SECTIONS - 2009
(No. of Accounts in lakh and Amount in Rs. crore)
As on the last reporting Friday of March
Total Weaker Of which to Specified Advances under
Bank group / Bank Sections Minority communities DRI Scheme
No. of Amount No. of Amount No. of Amount
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(1) (2) (3) (4) (5) (6)
94
TABLE 7.1 : BANK GROUP-WISE CLASSIFICATION OF LOAN ASSETS
OF SCHEDULED COMMERCIAL BANKS - 2004 TO 2009
(Amount in Rs. crore)
As on March 31
Standard Sub-Standard Doubtful
Bank group / Years Assets Assets Assets
Amount Per cent Amount Per cent Amount Per cent
share share share
(1) (2) (3) (4) (5) (6)
Foreign Banks
Source : Off-site returns (domestic & provisional) of banks, Department of Banking Supervision, RBI.
95
TABLE 7.1 : BANK GROUP-WISE CLASSIFICATION OF LOAN ASSETS
OF SCHEDULED COMMERCIAL BANKS - 2004 TO 2009 (Concld.)
(Amount in Rs. crore)
As on March 31
Loss Assets Gross NPAs Total Advances
Bank group / Years Amount Per cent Amount Per cent
share share
(7) (8) (9) (10) (11)
{=(3)+(5)+(7)} {=(4)+(6)+(8)} {=(1)+(3)+(5)+(7)}
Foreign Banks
Source : Off-site returns (domestic & provisional) of banks, Department of Banking Supervision, RBI.
96
TABLE 7.2 : COMPOSITION OF NPAs OF PUBLIC SECTOR BANKS - 2001 TO 2009
(Amount in Rs. crore)
As on March 31
Priority Non-priority Public Total
Bank group / Years Sector Sector Sector
Amount Per cent Amount Per cent Amount Per cent Amount
share share share
(1) (2) (3) (4) (5) (6) (7)
B. Nationalised Banks
Source : Off-site returns (domestic & provisional) of banks, Department of Banking Supervision, RBI.
97
TABLE 8.1 : INVESTMENTS OF SCHEDULED COMMERCIAL BANKS - 2006 TO 2008
(Amount in Rs. crore)
As on March 31
3. Others * - - - - - -
3. Shares and Debentures of Joint 91093 10.7 83818 8.9 91498 7.9
Stock Companies (market value)
5. Units of UTI 29 - 29 - 33 -
II. Investments by Foreign Offices of 14281 1.7 19346 2.1 14315 1.2
Indian Banks
98
GRAPH - 6
COMPOSITION OF INVESTMENTS OF SCHEDULED COMMERCIAL BANKS -
2007 AND 2008
(As on March 31)
2007
Central Government
11.2% Securities
8.9% State Government Securities
1.6%
Other T rustee Securities
2008
Central Government
Securities
99
TABLE 8.2 : STATE-WISE DISTRIBUTION OF INVESTMENTS OF SCHEDULED COMMERCIAL BANKS IN
STATE GOVERNMENT SECURITIES AND SHARES/DEBENTURES/BONDS OF STATE ASSOCIATED
BODIES - 2007 AND 2008
(Amount in Rs. crore)
As on March 31
State Govt. Regional Rural Co-operative StateElectricity
State/Union Territory Securities Bank Institutions Boards
100
TABLE 8.2 : STATE-WISE DISTRIBUTION OF INVESTMENTS OF SCHEDULED COMMERCIAL BANKS IN
STATE GOVERNMENT SECURITIES AND SHARES/DEBENTURES/BONDS OF STATE ASSOCIATED
BODIES - 2007 AND 2008 (Contd.)
(Amount in Rs. crore)
As on March 31
Municipalities, Mun. State Financial Housing Boards State Industrial
State/Union Territory Corpns. & Port Trusts Corporations Dev. Corporations
101
TABLE 8.2 : STATE-WISE DISTRIBUTION OF INVESTMENTS OF SCHEDULED COMMERCIAL BANKS IN
STATE GOVERNMENT SECURITIES AND SHARES/DEBENTURES/BONDS OF STATE ASSOCIATED
BODIES - 2007 AND 2008 (Concld.)
(Amount in Rs. crore)
As on March 31
Road Transport Other Govt. & Quasi Total
State/Union Territory Corpn. Govt. Bodies
102
GRAPH - 7
EARNINGS, EXPENSES AND PROFITS OF SCHEDULED
COMMERCIAL BANKS - 2003-04 TO 2008-09
(For the year ended March 31)
463835
500000
450000
368869
352481
400000
285275
350000
274714
Rs. crore
300000
220754
208733
190223
183764
250000
166355
161486
139206
200000
150000
58577
52777
100000
40863
42731
34774
31207
30399
29811
23567
24588
22278
20952
50000
0
103
GRAPH - 8
COMPOSITION OF MAJOR ITEMS IN TOTAL EARNINGS AND EXPENSES OF
SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09
(For the year ended March 31)
2007-08 2008-09
Interest/discount
on Loans/Bills
Interest earned on
60.0% Investments 62.0%
Other Interest
Income
21.1% Commission,
8.0% 8.3% 2.5%
Exchange and
19.9%
Brokerage
Other Income 8.2% 8.0% 1.9%
2 0 0 7 -0 8 2 0 0 8 -0 9
In t erest p aid o n
D ep o sit s
In t erest p aid o n 6 5 .3 %
6 2 .9 %
Bo rro win gs
1 3 .1 % O t h er In t erest 1 1 .8 %
E x p en ses
34
E st ablish m en t
1 4 .0 %
6 .2 % 3 .8 % E x p en ses 1 3 .5 %
O t h er E x p en ses 5 .8 % 3 .6 %
Total Earnings* = 285257 crore
*Excluding provisions and contingencies. Total Expenses* = 352481 crore
104
TABLE 9.1 BANK GROUP-WISE EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL
BANKS IN INDIA - 2007 - 08 AND 2008 - 09
(Amount in Rs. crore)
For the year ended March 31
State Bank of India Nationalised Foreign
Items & its Associates Banks $ Banks
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
105
TABLE 9.1 BANK GROUP-WISE EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL
BANKS IN INDIA - 2007 - 08 AND 2008 - 09 (Concld.)
(Amount in Rs. crore)
For the year ended March 31
Other Scheduled All Scheduled
Items Commercial Banks Commercial Banks
2008 2009 2008 2009
(3) (4) (5) (6)
106
TABLE 10.1 : STATE-WISE DISTRIBUTION OF EMPLOYEES OF SCHEDULED COMMERCIAL BANKS - 2008
As on March 31
State/Union Territory Officers Clerks Sub-ordinates Total
Number Share Number Share Number Share Number Share
(Per cent) (Per cent) (Per cent) (Per cent)
(1) (2) (3) (4) (5) (6) (7) (8)
Northern Region 66515 19.86 55124 16.53 28400 16.66 150039 17.89
Chandigarh 2973 0.89 1860 0.56 959 0.56 5792 0.69
Delhi 19760 5.90 15265 4.58 6338 3.72 41363 4.93
Haryana 9263 2.77 8096 2.43 3853 2.26 21212 2.53
Himachal Pradesh 2486 0.74 2511 0.75 1469 0.86 6466 0.77
Jammu & Kashmir 4066 1.21 3076 0.92 2158 1.27 9300 1.11
Punjab 14146 4.22 12783 3.83 6306 3.70 33235 3.96
Rajasthan 13821 4.13 11533 3.46 7317 4.29 32671 3.90
North-Eastern Region 6830 2.04 8113 2.43 4814 2.82 19757 2.36
Arunachal Pradesh 217 0.06 257 0.08 160 0.09 634 0.08
Assam 4644 1.39 5568 1.67 3252 1.91 13464 1.61
Manipur 200 0.06 331 0.10 158 0.09 689 0.08
Meghalaya 578 0.17 646 0.19 456 0.27 1680 0.20
Mizoram 208 0.06 216 0.06 144 0.08 568 0.07
Nagaland 329 0.10 275 0.08 196 0.11 800 0.10
Tripura 654 0.20 820 0.25 448 0.26 1922 0.23
Eastern Region 48131 14.37 56449 16.93 30565 17.93 135145 16.11
Andaman & Nicobar 118 0.04 120 0.04 61 0.04 299 0.04
Bihar 10893 3.25 10943 3.28 7124 4.18 28960 3.45
Orissa 8831 2.64 8414 2.52 5026 2.95 22271 2.66
Sikkim 236 0.07 127 0.04 117 0.07 480 0.06
West Bengal 22380 6.68 31071 9.32 14975 8.78 68426 8.16
Jharkhand 5673 1.69 5774 1.73 3262 1.91 14709 1.75
Central Region 53677 16.03 50812 15.24 30480 17.88 134969 16.09
Chhattisgarh 4073 1.22 2853 0.86 1963 1.15 8889 1.06
Madhya Pradesh 13381 4.00 11999 3.60 7375 4.33 32755 3.91
Uttar Pradesh 32593 9.73 32500 9.75 18961 11.12 84054 10.02
Uttaranchal 3630 1.08 3460 1.04 2181 1.28 9271 1.11
Western Region 63205 18.87 67421 20.22 32866 19.28 163492 19.49
Dadra & Nagar Haveli 87 0.03 58 0.02 26 0.02 171 0.02
Daman & Diu 75 0.02 77 0.02 43 0.03 195 0.02
Goa1814 0.54 1984 0.60 741 0.43 4539 0.54
Gujarat 18053 5.39 20248 6.07 10642 6.24 48943 5.84
Maharashtra 43176 12.89 45054 13.51 21414 12.56 109644 13.07
Southern Region 96526 28.82 95495 28.64 43346 25.43 235367 28.06
Andhra Pradesh 26314 7.86 21310 6.39 11625 6.82 59249 7.06
Karnataka 24378 7.28 24779 7.43 11227 6.59 60384 7.20
Kerala 16266 4.86 18305 5.49 7707 4.52 42278 5.04
Lakshadweep 29 0.01 24 0.01 19 0.01 72 0.01
Puducherry 567 0.17 621 0.19 256 0.15 1444 0.17
Tamil Nadu 28972 8.65 30456 9.13 12512 7.34 71940 8.58
All India 334884 100.00 333414 100.00 170471 100.00 838769 100.00
Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 37, March 2008.
107
TABLE 11.1 : CASH RESERVE RATIO AND INTEREST RATES - 2008-09
(in per cent)
Items April May June July August September
2008 2008 2008 2008 2008 2008
a. Cash Reserve Ratio (1) 7.50 8.25 8.25 8.75 8.75 9.00
Borrowing
Lending
Borrowing
Lending
Notes : 1. As applicable to Scheduled Commercial Banks (excluding Regional Rural Banks) as on last Friday.
2. Prime Lending Rate (PLR) relates to five major banks.
3. Deposit rate relates to major banks for term deposits of more than one year maturity.
4. Data cover 90-95 per cent of total transactions reported by major participants.
Based on highs/lows of the the weeks ending on Fridays of the month.
Source : Weekly Statistical Supplement, various issues.
108
TABLE 11.2 : CHEQUE CLEARANCES - 2005-06 TO 2008-09
As on March 31
Centres 2005-06 2006-07 2007-08 2008-09P
Number Amount Number Amount Number Amount Number Amount
(1) (2) (3) (4) (5) (6) (7) (8)
5. New Delhi 1597 1697583 1691 1773548 1776 1800976 1727 1664709
11. Ahmedabad 604 406599 594 429956 647 506759 570 477113
13. Jaipur 187 113453 198 137785 219 162022 198 150890
15. Other centres @ 5121 3293376 5576 3693360 6049 4168188 5818 4380105
Notes : P : Provisional
@ : Other centres includes all centres managed by agencies other than the Reserve Bank of India.
Source : Department of Economic Analysis and Policy, RBI.
109
TABLE 11.3 : NUMBER OF CLEARING HOUSES -1978 TO 2009
Managed by
Reserve Bank State Bank Associates of Nationalised Others Total
As on March 31 of India of India State Bank Banks
of India
(1) (2) (3) (4) (5) (6)
110
TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE
LENDING RATE AND DEPOSIT RATE - 2007 AND 2008
(in per cent)
3. Electricity, Gas & Water 12.02 11.95 12.59 12.32 12.62 13.06
IV. Professional and Other Services 11.76 11.97 12.18 12.59 12.76 12.93
1. Loans for Purchase of Consumer Durables 14.14 14.64 13.89 14.08 15.75 18.29
3. Rest of the Personal Loans 13.61 13.41 13.38 13.29 17.56 17.28
Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs.
2. The data are exclusive of Inland & Foreign Bills purchased and discounted.
3. Amount outstanding figures are used as weights for calculating average lending rates.
4. The deposit data corresponds to only term deposits.
5. The data for 2008 on average deposit rate are based on 65027 reporting branches out of 70207 total branches
having term deposits.
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI.
111
TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE
LENDING RATE AND DEPOSIT RATE - 2007 AND 2008 (Concld.)
(in per cent)
3. Electricity, Gas & Water 12.61 12.59 13.57 12.81 12.64 12.31
IV. Professional and Other Services 12.08 12.47 12.51 12.85 12.26 12.59
1. Loans for Purchase of Consumer Durables 13.86 13.31 14.24 14.68 14.36 16.73
3. Rest of the Personal Loans 13.44 13.48 14.95 14.59 14.47 14.28
Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs.
2. The data are exclusive of Inland & Foreign Bills purchased and discounted.
3. Amount outstanding figures are used as weights for calculating average lending rates.
4. The deposit data corresponds to only term deposits.
5. The data for 2008 on average deposit rate are based on 65027 reporting branches out of 70207 total branches
having term deposits.
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI.
112
Table 11.5 : BANK GROUP-WISE INSURED DEPOSITS - 2007-08 AND 2008-09
I. Commercial Banks
I. Commercial Banks
Note : 1. Insured Deposit is based on the distribution of Deposit Accounts according to size as on September 30, 2007.
2. @ Other Scheduled Commercial Banks include IDBI Bank Ltd. and Indian Private Sector Banks.
Source : Deposit Insurance and Credit Gurantee Corporation.
113
114
Bank-wise Tables
115
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of State Bank of
India Bikaner and Jaipur Hyderabad
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
116
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of State Bank of
India Bikaner and Jaipur Hyderabad
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
117
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of State Bank of
Indore Mysore Patiala
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
118
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of State Bank of
Indore Mysore Patiala
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
119
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of
Saurashtra # Travancore
Items
2008 2009 2008 2009
(13) (14) (15) (16)
120
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of
Saurashtra # Travancore
Items
2008 2009 2008 2009
(13) (14) (15) (16)
121
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Allahabad Andhra Bank of
Bank Bank Baroda
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
122
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Allahabad Andhra Bank of
Bank Bank Baroda
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
123
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Bank of Bank of Canara
India Maharashtra Bank
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
124
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Bank of Bank of Canara
India Maharashtra Bank
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
125
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Central Bank of Corporation Dena
India Bank Bank
Items
2008 2009 2008 2009 2008 2009
(13) (14) (15) (16) (17) (18)
126
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Central Bank of Corporation Dena
India Bank Bank
Items
2008 2009 2008 2009 2008 2009
(13) (14) (15) (16) (17) (18)
127
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
IDBI Bank Ltd Indian Bank Indian Overseas
Bank
Items
2008 2009 2008 2009 2008 2009
(19) (20) (21) (22) (23) (24)
128
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
IDBI Bank Ltd Indian Bank Indian Overseas
Bank
Items
2008 2009 2008 2009 2008 2009
(19) (20) (21) (22) (23) (24)
129
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Oriental Bank of Punjab & Punjab National
Commerce Sind Bank Bank
Items
2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30)
130
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Oriental Bank of Punjab & Punjab National
Commerce Sind Bank Bank
Items
2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30)
131
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Syndicate UCO Union Bank of
Bank Bank India
Items
2008 2009 2008 2009 2008 2009
(31) (32) (33) (34) (35) (36)
132
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Syndicate UCO Union Bank of
Bank Bank India
Items
2008 2009 2008 2009 2008 2009
(31) (32) (33) (34) (35) (36)
133
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
United Bank of Vijaya
India Bank
Items
2008 2009 2008 2009
(37) (38) (39) (40)
134
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
United Bank of Vijaya
India Bank
Items
2008 2009 2008 2009
(37) (38) (39) (40)
135
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
AB Bank ABN Amro Abu Dhabi
Bank Commercial Bank
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
136
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
AB Bank ABN Amro Abu Dhabi
Bank Commercial Bank
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
137
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
American Express Antwerp Diamond Bank International
Banking Corporation # Bank Indonesia
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
138
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
American Express Antwerp Diamond Bank International
Banking Corporation # Bank Indonesia
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
1. Cash in hand - - - 2 -
(-) (-) (-) (-) (-)
2. Balances with RBI 3812 3831 1920 301 322
( 3.1) ( 4.9) ( 2.0) ( 3.8) (4.1)
3. Balances with banks in india 3659 6281 179 277 4304
( 3.0) ( 8.0) (0.2) ( 3.5) (54.2)
4. Money at call and short notice - 1499 - - -
(-) ( 1.9) (-) (-) (-)
5. Balances with banks outside India - 24 3 3672 112
(-) (-) (-) ( 46.1) (1.4)
6. Investments 21339 17076 21476 483 83
( 11.1) ( 13.5) ( 12.9) ( 6.1) (1.0)
6.1. Investments in India 21339 17076 21476 483 83
(i) Government securities 21339 17076 21476 - -
(ii) Other approved securities - - - 483 -
(iii) Shares - - - - -
(iv) Debentures and Bonds - - - - 83
(v) Subsidiaries and/or joint ventures - - - - -
(vi) Others - - - - -
6.2. Investments outside India - - - - -
(i) Government securities - - - - -
(ii) Subsidiaries and/or joint ventures - - - - -
(iii) Others - - - - -
7. Advances 69763 47629 70027 - -
( 57.3) ( 60.7) ( 72.3) (-) (-)
Type-wise
7A.1. Bills purchased and discounted - - - - -
7A.2. Cash credits, overdrafts & loans 69660 47539 69969 - -
7A.3. Term loans 103 90 58 - -
Security-wise -
7B.1. Secured by tangible assets 53 47595 69160 - -
7B.2. Covered by Bank/Govt. Guarantees - - 810 - -
7B.3. Unsecured 69710 34 57 - -
Sector-wise -
7C.I. Advances in India 69763 47629 70027 - -
(i) Priority sectors 0 47539 69969 - -
(ii) Public sectors 0 0 0 - -
(iii) Banks 0 0 0 - -
(iv) Others 69763 90 58 - -
7C.II. Advances outside India 0 0 0 - -
8. Fixed Assets 9309 14 33 - -
( 7.7) (-) (-) - -
8.1. Premises - - - - -
8.2. Fixed assets under construction - - - - -
8.3. Other Fixed assets 9309 13 33 - -
9. Other Assets 13795 2146 3208 3231 3117
( 11.3) ( 2.7) ( 3.3) ( 40.6) (39.3)
9.1. Inter-office adjustments (net) - - - - -
9.2. Interest accrued - 186 213 6 1
9.3. Tax paid 23 1744 2496 152 158
9.4 Stationery and Stamps - - - - -
9.5. Others 13772 215 499 3074 2958
Total Assets 121677 78501 96846 7966 7938
( 100.0) ( 100.0) ( 100.0) ( 100.0) (100.0)
# : See ‘Explanatory Notes.’
139
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Bank of Bank of Bahrain & Bank of
America Kuwait Ceylon
Items
2008 2009 2008 2009 2008 2009
(13) (14) (15) (16) (17) (18)
140
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Bank of Bank of Bahrain & Bank of
America Kuwait Ceylon
Items
2008 2009 2008 2009 2008 2009
(13) (14) (15) (16) (17) (18)
141
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Bank of Nova Bank of Tokyo Barclays
Scotia Mitsubishi UFJ Bank
Items
2008 2009 2008 2009 2008 2009
(19) (20) (21) (22) (23) (24)
142
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Bank of Nova Bank of Tokyo Barclays
Scotia Mitsubishi UFJ Bank
Items
2008 2009 2008 2009 2008 2009
(19) (20) (21) (22) (23) (24)
143
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
BNP Paribas Calyon Bank Chinatrust
Commercial Bank
Items
2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30)
144
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
BNP Paribas Calyon Bank Chinatrust
Commercial Bank
Items
2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30)
145
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Citibank DBS Deutsche
Bank Bank
Items
2008 2009 2008 2009 2008 2009
(31) (32) (33) (34) (35) (36)
146
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Citibank DBS Deutsche
Bank Bank
Items
2008 2009 2008 2009 2008 2009
(31) (32) (33) (34) (35) (36)
147
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Hong Kong & Shanghai J P Morgan Chase JSC VTB
Banking Corporation Bank Bank#
Items
2008 2009 2008 2009 2008 2009
(37) (38) (39) (40) (41) (42)
148
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Hong Kong & Shanghai J P Morgan Chase JSC VTB
Banking Corporation Bank Bank#
Items
2008 2009 2008 2009 2008 2009
(37) (38) (39) (40) (41) (42)
149
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Krung Thai Mashreq Mizuho Corporate
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(43) (44) (45) (46) (47) (48)
150
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Krung Thai Mashreq Mizuho Corporate
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(43) (44) (45) (46) (47) (48)
1. Cash in hand 3 2 - - 8 19
(-) (-) (-) (-) (-) (-)
2. Balances with RBI 626 592 477 176 4147 15091
( 4.9) ( 3.9) ( 4.1) ( 1.6) ( 3.4) ( 6.9)
3. Balances with banks in india 6928 9269 2000 2000 621 572
( 54.4) ( 60.9) ( 17.1) ( 18.2) (0.5) (0.3)
4. Money at call and short notice 650 - 1383 1972 - 35896
( 5.1) (-) ( 11.8) ( 17.9) (-) ( 16.4)
5. Balances with banks outside India 1064 1195 441 150 2063 5438
( 8.3) ( 7.8) ( 3.8) ( 1.4) ( 1.7) ( 2.5)
6. Investments 2248 2777 2613 5280 24699 40365
( 17.2) ( 17.8) ( 22.3) ( 47.9) ( 12.0) ( 12.3)
6.1. Investments in India 2248 2777 2612 5280 24699 40365
(i) Government securities 2091 2616 2510 4879 19511 35345
(ii) Other approved securities - - 102 100 - -
(iii) Shares - - - - - -
(iv) Debentures and Bonds 70 70 - - - -
(v) Subsidiaries and/or joint ventures - - - - - -
(vi) Others 87 91 - 301 5188 5020
6.2. Investments outside India - - - - - -
(i) Government securities - - - - - -
(ii) Subsidiaries and/or joint ventures - - - - - -
(iii) Others - - - - - -
7. Advances 891 926 4083 977 85670 111915
( 7.0) ( 6.1) ( 34.9) ( 8.9) ( 70.2) ( 51.3)
Type-wise
7A.1 Bills purchased and discounted 542 578 4074 972 1241 1274
7A.2. Cash credits, overdrafts & loans 349 348 - - 63217 76556
7A.3. Term loans - - 9 5 21212 34085
Security-wise
7B.1. Secured by tangible assets 891 899 9 5 34000 39107
7B.2. Covered by Bank/Govt. Guarantees - - 4074 972 - -
7B.3. Unsecured - 27 - - 51669 72807
Sector-wise
7C.I. Advances in India 891 926 4083 977 85670 111915
(i) Priority sectors 574 27 4074 972 23135 29393
(ii) Public sectors - - - - - -
(iii) Banks - - - - - -
(iv) Others 317 899 9 5 62535 82522
7C.II. Advances outside India - - - - - -
8. Fixed Assets 48 25 128 106 1299 2357
(0.4) (0.2) ( 1.1) ( 1.0) ( 1.1) ( 1.1)
8.1. Premises - - - - - -
8.2. Fixed assets under construction - - - - 440 3
8.3. Other Fixed assets 48 25 128 106 859 2355
9. Other Assets 289 441 591 353 4031 6699
( 2.3) ( 2.9) ( 5.0) ( 3.2) ( 3.3) ( 3.1)
9.1. Inter-office adjustments (net) - - - - - -
9.2. Interest accrued 139 104 107 101 69 66
9.3. Tax paid 25 20 403 127 678 1119
9.4. Stationery and Stamps - - - - - -
9.5. Others 125 316 81 126 3285 5514
Total Assets 12747 15225 11716 11014 122538 218352
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
151
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Oman International Shinhan Societe Generale
Bank Bank
Items
2008 2009 2008 2009 2008 2009
(49) (50) (51) (52) (53) (54)
152
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Oman International Shinhan Societe Generale
Bank Bank
Items
2008 2009 2008 2009 2008 2009
(49) (50) (51) (52) (53) (54)
1. Cash in hand 48 47 68 80 17 15
(0.1) (0.1) (0.1) (0.1) (-) (-)
2. Balances with RBI 1495 916 3987 4322 11652 4610
( 3.9) ( 2.3) ( 5.6) ( 4.2) ( 3.7) ( 2.1)
3. Balances with banks in india 9010 10184 20437 16443 16 11
( 23.3) ( 25.9) ( 28.9) ( 15.9) (-) (-)
4. Money at call and short notice - - - 12544 - -
(-) (-) (-) ( 12.1) (-) (-)
5. Balances with banks outside India 181 42 1031 2178 147 465
(0.5) (0.1) ( 1.5) ( 2.1) ( 0.0) (0.2)
6. Investments 9320 9377 11761 20269 251649 153975
( 24.1) ( 23.7) ( 11.6) ( 13.6) ( 71.4) ( 61.5)
6.1. Investments in India 9320 9377 11761 20269 251649 153974
(i) Government securities 9320 9377 11761 20269 150855 91900
(ii) Other approved securities - - - - - -
(iii) Shares - - - - - -
(iv) Debentures and Bonds - - - - 63317 47
(v) Subsidiaries and/or joint ventures - - - - - -
(vi) Others - - - - 37477 62027
6.2. Investments outside India - - - - - -
(i) Government securities - - - - - -
(ii) Subsidiaries and/or joint ventures - - - - - -
(iii) Others - - - - - -
7. Advances 147 192 31385 45760 38454 36584
(0.4) (0.5) ( 44.4) ( 44.2) ( 12.2) ( 17.0)
Type-wise
7A.1 Bills purchased and discounted - - 930 200 694 2111
7A.2. Cash credits, overdrafts & loans 8 18 13847 24787 17135 21878
7A.3. Term loans 139 174 16607 20773 20624 12595
Security-wise
7B.1. Secured by tangible assets 147 192 9268 7544 21085 12335
7B.2. Covered by Bank/Govt. Guarantees - - 7248 16154 10744 9776
7B.3. Unsecured - - 14868 22062 6626 14473
Sector-wise
7C.I. Advances in India 147 192 31385 45760 38453 36584
(i) Priority sectors - - 11295 10866 14364 13037
(ii) Public sectors - - - - - -
(iii) Banks - - - - 340 1468
(iv) Others 147 192 20090 34894 23749 22079
7C.II. Advances outside India - - - - - -
8. Fixed Assets 1561 1440 144 91 3099 3313
( 4.0) ( 3.7) (0.2) (0.1) ( 1.0) ( 1.5)
8.1. Premises 1532 1422 - - 2613 2606
8.2. Fixed assets under construction - - - - - -
8.3. Other Fixed assets 29 18 144 91 485 707
9. Other Assets 16830 17118 1944 1901 9554 16863
( 41.9) ( 42.0) ( 2.7) ( 1.8) ( 3.0) ( 7.7)
9.1. Inter-office adjustments (net) 3 - - - - -
9.2. Interest accrued 943 753 1329 1141 3803 2233
9.3. Tax paid 494 505 35 - - -
9.4. Stationery and Stamps - - - - - -
9.5. Others 15390 15860 580 761 5751 14629
Total Assets 38593 39316 70757 103589 314586 215835
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
153
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Sonali Bank Standard Chartered
Bank
Items
2008 2009 2008 2009
(55) (56) (57) (58)
154
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Sonali Bank Standard Chartered
Bank
Items
2008 2009 2008 2009
(55) (56) (57) (58)
155
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
State Bank of UBS AG #
Mauritius
Items
2008 2009 2008 2009
(59) (60) (61) (62)
156
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
State Bank of UBS AG #
Mauritius
Items
2008 2009 2008 2009
(59) (60) (61) (62)
1. Cash in hand 22 27 -
(-) (-) (-)
2. Balances with RBI 2423 1557 171
( 5.3) ( 2.5) (0.6)
3. Balances with banks in india 54 16 17542
(0.1) (-) ( 60.8)
4. Money at call and short notice 6343 10604 -
( 13.9) ( 16.9) (-)
5. Balances with banks outside India 152 574 -
(0.3) (0.9) (-)
6. Investments 9001 13281 7485
( 13.6) ( 14.3) ( 25.9)
6.1. Investments in India 9000 13281 7485
(i) Government securities 8889 13207 7485
(ii) Other approved securities - - -
(iii) Shares - - -
(iv) Debentures and Bonds 111 74 -
(v) Subsidiaries and/or joint ventures - - -
(vi) Others - - -
6.2. Investments outside India - - -
(i) Government securities - - -
(ii) Subsidiaries and/or joint ventures - - -
(iii) Others - - -
7. Advances 21414 30266 -
( 47.0) ( 48.3) (-)
Type-wise
7A.1 Bills purchased and discounted 533 4 -
7A.2. Cash credits, overdrafts & loans 4058 6392 -
7A.3. Term loans 16823 23870 -
Security-wise -
7B.1. Secured by tangible assets 16975 27595 -
7B.2. Covered by Bank/Govt. Guarantees 100 - -
7B.3. Unsecured 4340 2670 -
Sector-wise -
7C.I. Advances in India 21414 30266 -
(i) Priority sectors 5049 7869 -
(ii) Public sectors - - -
(iii) Banks - - -
(iv) Others 16365 22397 -
7C.II. Advances outside India - - -
8. Fixed Assets 3236 3082 1104
( 7.1) ( 4.9) ( 3.8)
8.1. Premises 3120 3036 -
8.2. Fixed assets under construction - - 1043
8.3. Other Fixed assets 116 44 62
9. Other Assets 2876 3277 3593
( 5.9) ( 5.0) ( 12.5)
9.1. Inter-office adjustments (net) - - -
9.2. Interest accrued 324 370 92
9.3. Tax paid 2290 2361 -
9.4. Stationery and Stamps - - -
9.5. Others 262 547 3501
Total Assets 45522 62684 29895
( 100.0) ( 100.0) ( 100.0)
# : See ‘Explanatory Notes.’
157
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Axis Bank of Catholic Syrian
Bank Rajasthan Bank
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
158
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Axis Bank of Catholic Syrian
Bank Rajasthan Bank
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
159
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Centurion Bank of City Union Development Credit
Punjab # Bank Bank
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
160
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Centurion Bank of City Union Development Credit
Punjab # Bank Bank
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
161
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Dhanalakshmi Bank Federal Bank HDFC Bank
Punjab
Items
2008 2009 2008 2009 2008 2009
(13) (14) (15) (16) (17) (18)
162
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Dhanalakshmi Bank Federal Bank HDFC Bank
Punjab
Items
2008 2009 2008 2009 2008 2009
(13) (14) (15) (16) (17) (18)
163
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
ICICI Bank IndusInd Bank ING Vysya Bank
Items
2008 2009 2008 2009 2008 2009
(19) (20) (21) (22) (23) (24)
164
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
ICICI Bank IndusInd Bank ING Vysya Bank
Items
2008 2009 2008 2009 2008 2009
(19) (20) (21) (22) (23) (24)
165
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Jammu & Karnataka Karur Vysya
Kashmir Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30)
166
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Jammu & Karnataka Karur Vysya
Kashmir Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30)
167
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Kotak Mahindra Lakshmi Vilas Nainital
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(31) (32) (33) (34) (35) (36)
168
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Kotak Mahindra Lakshmi Vilas Nainital
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(31) (32) (33) (34) (35) (36)
169
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Ratnakar SBI Comm. & Intl. South Indian
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(37) (38) (39) (40) (41) (42)
170
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Ratnakar SBI Comm. & Intl. South Indian
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(37) (38) (39) (40) (41) (42)
171
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Tamilnad Mercantile Yes Bank
Bank
Items
2008 2009 2008 2009
(43) (44) (45) (46)
172
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Tamilnad Mercantile Yes Bank
Bank
Items
2008 2009 2008 2009
(43) (44) (45) (46)
173
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of State Bank of State Bank of
India Bikaner and Jaipur Hyderabad Indore
Items
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Income
I. Interest Earned 4895030 6378844 305203 381028 440315 570950 222563 271308
a) Interest/Discount on advances/bills 3522811 4640471 231120 298943 314462 420120 169646 210540
b) Income on investments 1194416 1557412 70635 78396 112733 137459 49147 56409
c) Interest on balances with RBI and
other inter-bank funds 120007 147438 1834 1587 8327 9416 2130 2847
d) Others 57796 33523 1614 2102 4793 3955 1640 1512
II. Other Income 869493 1269080 47166 57705 67715 76931 31054 35041
a) Commission, exchange and brokerage 591425 761724 35392 40299 36058 48008 19899 21330
b) Net profit (loss) on sale of investments 164984 256729 6899 7603 16926 17686 6736 7447
c) Net profit (loss) on revaluation of
investments -70350 -56 - - - - - -
d) Net profit (loss) on sale of land and
other assets 1104 -295 - - -61 -74 - -51
e) Net profit (loss) on exchange transactions 69270 117925 2357 6974 6841 5258 1883 3642
f) Miscellaneous income 113060 133053 2518 2829 7951 6053 2536 2673
Total (I+II) 5764523 7647924 352369 438733 508030 647881 253617 306349
Expenditure & Provisions
III. Interest Expended 3192908 4291530 211298 270706 329025 424271 165384 197944
a) Interest on deposits 2707258 3793685 195045 246448 314220 391156 147166 173866
b) Interest on RBI/inter-bank borrowings 293844 255501 5036 9498 4375 7348 5812 8216
c) Others 191806 242344 11217 14760 10430 25767 12406 15862
IV. Operating Expenses 1260861 1564871 74953 78743 79885 93314 43114 46004
a) Payments to and provisions for employees 778587 974731 44695 46078 46917 55215 21905 25454
b) Rent, taxes and lighting 99342 129514 6233 6869 7830 9583 3685 4305
c) Printing and stationery 18888 23282 1156 1260 1277 1385 516 491
d) Advertisement and publicity 17323 25123 511 494 849 1062 354 344
e) Depreciation on bank’s property 67998 76314 5979 4096 5827 4096 3599 2540
f) Directors’ fees, allowances and expenses 123 100 26 26 13 21 16 12
g) Auditors’ fees and expenses 9735 10370 937 900 1023 1216 507 514
h) Law charges 6045 7461 244 222 182 239 88 77
i) Postage, telegrams, telephones, etc. 21658 27973 1325 1413 424 538 401 381
j) Repairs and maintenance 23583 16059 1143 1388 560 561 562 955
k) Insurance 41584 52902 2732 3313 3759 5247 1856 2020
l) Other expenditure 175995 221042 9972 12684 11224 14151 9625 8911
V. Provisions and Contingencies 637843 879400 34618 48938 43420 68716 21719 34509
Total expenses@ 4453769 5856401 286251 349449 408910 517585 208498 243948
VI. Profit (Loss) during the year 672911 912123 31500 40346 55700 61580 23400 27892
Total (III+IV+V+VI) 5764523 7647924 352369 438733 508030 647881 253617 306349
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years .
174
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of State Bank of State Bank of
Mysore Patiala Saurashtra # Travancore
Items
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Income
I. Interest Earned 249439 324727 431019 580406 155790 343410 412315
a) Interest/Discount on advances/bills 190494 252864 332304 450035 114947 259644 317340
b) Income on investments 58029 70555 92705 116994 37357 76597 85746
c) Interest on balances with RBI and
other inter-bank funds 206 442 5922 11461 652 1667 1884
d) Others 710 866 88 1916 2834 5502 7345
II. Other Income 42213 48036 59576 63164 20684 43877 57310
a) Commission, exchange and brokerage 27148 28652 37292 42700 14347 31017 31185
b) Net profit (loss) on sale of investments 7991 12122 9492 10815 4967 4293 14471
c) Net profit (loss) on revaluation of
investments - - - - - - -
d) Net profit (loss) on sale of land and
other assets 22 5 - - -12 23 -21
e) Net profit (loss) on exchange transactions 2866 4446 3315 4782 1374 5328 4871
f) Miscellaneous income 4186 2811 9477 4867 8 3216 6804
Total (I+II) 291652 372763 490595 643570 176474 387287 469625
Expenditure & Provisions
III. Interest Expended 173210 240902 341962 467632 119412 247682 284059
a) Interest on deposits 158754 209886 312397 431415 107856 216103 249634
b) Interest on RBI/inter-bank borrowings 162 920 5598 6628 7201 1074 1944
c) Others 14294 30096 23967 29589 4355 30505 32481
IV. Operating Expenses 61691 66508 70700 79392 39378 68694 79938
a) Payments to and provisions for employees 33756 38455 38449 44392 23552 41562 48785
b) Rent, taxes and lighting 4430 6727 6175 7041 3469 5535 6795
c) Printing and stationery 144 372 719 883 418 735 802
d) Advertisement and publicity 202 452 406 462 96 248 399
e) Depreciation on bank’s property 5778 4260 5174 3979 3752 4825 4134
f) Directors’ fees, allowances and expenses 15 20 16 16 18 17 32
g) Auditors’ fees and expenses 665 809 781 789 474 1047 1246
h) Law charges 238 214 395 299 123 311 494
i) Postage, telegrams, telephones, etc. 706 808 1001 1000 127 353 593
j) Repairs and maintenance 483 584 2076 1965 523 937 1137
k) Insurance 2377 2948 4170 5010 1598 3263 3759
l) Other expenditure 12897 10859 11338 13556 5228 9861 11762
V. Provisions and Contingencies 24867 31661 36560 43391 12486 32298 44844
Total expenses@ 234901 307410 412662 547024 158790 316376 363997
VI. Profit (Loss) during the year 31884 33692 41373 53155 5198 38613 60784
Total (III+IV+V+VI) 291652 372763 490595 643570 176474 387287 469625
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years .
175
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
NATIONALISED BANK
(Amount in Rs. lakh)
As on March 31
Allahabad Andhra Bank of Bank of
Bank Bank Baroda India
Items
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Income
I. Interest Earned 617122 736473 420956 537461 1181347 1509158 1235522 1634735
a) Interest/Discount on advances/bills 445983 549439 317693 421506 841297 1119736 927512 1253925
b) Income on investments 166947 184936 96792 109898 273729 331067 263902 337031
c) Interest on balances with RBI and
other inter-bank funds 4063 1074 3670 3767 55366 40146 38898 37376
d) Others 129 1024 2801 2290 10955 18209 5210 6403
II. Other Income 96477 114193 62647 76537 205105 275766 211692 305186
a) Commission, exchange and brokerage 38419 47939 18882 19511 54017 74550 78287 109165
b) Net profit (loss) on sale of investments 47103 57270 11919 22075 53221 90015 36621 74606
c) Net profit (loss) on revaluation of
investments - - - - - - - -
d) Net profit (loss) on sale of land and
other assets -2 4 24 33 36 -4 4 -
e) Net profit (loss) on exchange transactions 5378 4439 5703 5251 27879 37239 30658 62355
f) Miscellaneous income 5579 4541 26119 29667 69952 73966 66122 59060
Total (I+II) 713599 850666 483603 613998 1386452 1784924 1447214 1939921
Expenditure & Provisions
III. Interest Expended 449888 520605 286999 374772 790167 996816 812595 1084845
a) Interest on deposits 430598 488559 277783 348713 740437 918750 705848 977650
b) Interest on RBI/inter-bank borrowings 2174 6428 4203 12102 10564 29234 56186 53259
c) Others 17116 25618 5013 13957 39166 48832 50561 53936
IV. Operating Expenses 115758 139945 90909 110426 303430 357605 264499 309397
a) Payments to and provisions for employees 68988 87394 50939 62406 190376 234813 165701 193741
b) Rent, taxes and lighting 12387 13593 7733 8852 22534 26079 18453 21987
c) Printing and stationery 1695 1905 1440 1494 2205 2666 3608 3914
d) Advertisement and publicity 1541 1423 989 1050 3318 3997 3120 2244
e) Depreciation on bank’s property 5315 5632 6133 8176 23200 23050 7313 6937
f) Directors’ fees, allowances and expenses 90 103 54 95 78 104 8 7
g) Auditors’ fees and expenses 1487 1435 1313 1315 2352 3109 2712 2996
h) Law charges 1091 849 258 456 1285 1349 1072 1155
i) Postage, telegrams, telephones, etc. 1806 2278 1868 2320 4859 4339 1461 1534
j) Repairs and maintenance 2138 2453 3416 5543 5887 10481 3235 3952
k) Insurance 6754 7531 4970 5458 11542 13983 10314 13545
l) Other expenditure 12466 15349 11796 13261 35794 33635 47502 57385
V. Provisions and Contingencies 50477 113255 48137 63498 149303 207780 169181 244946
Total expenses@ 565646 660550 377908 485198 1093597 1354421 1077094 1394242
VI. Profit (Loss) during the year 97476 76861 57558 65302 143552 222723 200939 300733
Total (III+IV+V+VI) 713599 850666 483603 613998 1386452 1784924 1447214 1939921
Notes : @ Excluding ‘Provisions and Contingencies’.
Source : Annual accounts of banks of respective years .
176
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
NATIONALISED BANK
(Amount in Rs. lakh)
As on March 31
Bank of Canara Central Bank of Corporation
Maharashtra Bank India Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Income
I. Interest Earned 344047 429155 1420073 1711905 788427 1045519 451656 606735
a) Interest/Discount on advances/bills 256112 326660 987534 1281314 529695 775345 322129 438487
b) Income on investments 84585 98984 381735 410078 235038 256318 107822 150767
c) Interest on balances with RBI and
other inter-bank funds 2213 2267 44932 20475 18387 13152 15119 8503
d) Others 1137 1244 5872 38 5307 704 6586 8978
II. Other Income 38027 50002 221287 231121 90234 106997 69977 110721
a) Commission, exchange and brokerage 20839 24883 56885 63877 40445 44195 21598 26485
b) Net profit (loss) on sale of investments 7838 17626 43509 67463 15399 40977 13566 44247
c) Net profit (loss) on revaluation of
investments - - -9544 -11588 - - - -
d) Net profit (loss) on sale of land and
other assets -12 68 109 83 -46 -35 -33 -82
e) Net profit (loss) on exchange transactions 2224 1580 15364 17371 4842 6733 4123 7843
f) Miscellaneous income 7138 5845 114964 93915 29594 15127 30723 32228
Total (I+II) 382074 479157 1641360 1943026 878661 1152516 521633 717456
Expenditure & Provisions
III. Interest Expended 231179 303504 1066294 1240125 577247 822672 307323 437637
a) Interest on deposits 212052 278322 994516 1145022 557939 791332 288829 408283
b) Interest on RBI/inter-bank borrowings 807 4288 22240 38770 1962 9162 9618 10600
c) Others 18320 20894 49538 56333 17346 22178 8876 18754
IV. Operating Expenses 83635 96302 279130 306526 174583 186170 89196 100157
a) Payments to and provisions for employees 48530 57962 166128 187715 121434 127259 42787 46797
b) Rent, taxes and lighting 7085 7842 27019 30142 12479 14213 8578 10107
c) Printing and stationery 1263 1282 3399 3331 1721 1788 1299 1364
d) Advertisement and publicity 1791 1771 4565 2383 687 1533 1397 1648
e) Depreciation on bank’s property 6878 7576 16997 17364 7361 8359 5954 5496
f) Directors’ fees, allowances and expenses 58 93 52 67 108 145 54 71
g) Auditors’ fees and expenses 1192 1080 2803 2290 1912 2040 989 1009
h) Law charges 355 398 1057 1341 1015 1078 177 165
i) Postage, telegrams, telephones, etc. 1150 3042 2767 3042 1132 972 2979 2808
j) Repairs and maintenance 1885 1688 8795 8763 2066 3289 2249 2609
k) Insurance 3716 4492 13972 15778 7572 9141 4392 5431
l) Other expenditure 9732 9076 31576 34310 17096 16353 18341 22652
V. Provisions and Contingencies 34424 41836 139437 189135 71814 86550 51615 90384
Total expenses@ 314814 399806 1345424 1546651 751830 1008842 396519 537794
VI. Profit (Loss) during the year 32836 37515 156499 207240 55017 57124 73499 89278
Total (III+IV+V+VI) 382074 479157 1641360 1943026 878661 1152516 521633 717456
Notes : @ Excluding ‘Provisions and Contingencies’.
Source : Annual accounts of banks of respective years .
177
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
NATIONALISED BANK
(Amount in Rs. lakh)
As on March 31
Dena IDBI Bank Ltd. Indian Indian Overseas
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
Income
I. Interest Earned 267589 344750 804088 1163162 521297 683033 773877 964141
a) Interest/Discount on advances/bills 195337 256598 652878 925591 350268 508670 552200 728955
b) Income on investments 69190 82813 137075 208475 166503 168733 200618 215632
c) Interest on balances with RBI and
other inter-bank funds 1991 1720 4648 8394 4517 5622 20088 16820
d) Others 1071 3619 9487 20702 9 8 971 2734
II. Other Income 47811 43012 158176 138991 100568 103543 103711 159582
a) Commission, exchange and brokerage 12094 13232 34898 72530 17930 23224 46872 59378
b) Net profit (loss) on sale of investments 9002 5432 116752 52207 17901 19476 22961 63665
c) Net profit (loss) on revaluation of
investments - - -14945 -8580 - - -3836 -11724
d) Net profit (loss) on sale of land and
other assets 2995 -71 81 1328 -52 7 157 6850
e) Net profit (loss) on exchange transactions 4203 4386 8717 8740 9996 10517 11017 15734
f) Miscellaneous income 19517 20033 12673 12766 54793 50319 26540 25679
Total (I+II) 315400 387762 962264 1302153 621865 786576 877588 1123723
Expenditure & Provisions
III. Interest Expended 181715 238307 736441 1030572 315908 422182 528879 677181
a) Interest on deposits 171811 225590 380127 662098 297955 406144 478223 595583
b) Interest on RBI/inter-bank borrowings 735 1689 21592 40813 5859 10132 25356 50289
c) Others 9169 11028 334722 327661 12094 5906 25300 31309
IV. Operating Expenses 65044 76821 95877 133790 140030 141514 148529 194170
a) Payments to and provisions for employees 37085 46789 38238 56924 96739 97976 94968 127184
b) Rent, taxes and lighting 5634 6886 8398 11400 9015 9965 16589 20641
c) Printing and stationery 1034 994 1802 2639 1721 1855 1313 1558
d) Advertisement and publicity 947 1121 2525 4838 1221 886 1217 2695
e) Depreciation on bank’s property 2945 2684 8350 5270 10245 8456 7510 10094
f) Directors’ fees, allowances and expenses 111 140 41 32 44 44 82 90
g) Auditors’ fees and expenses 764 745 129 110 1389 1318 1632 1982
h) Law charges 418 444 253 384 371 426 326 654
i) Postage, telegrams, telephones, etc. 931 1288 3851 4961 875 556 947 1484
j) Repairs and maintenance 1913 1931 4504 6470 2575 3356 735 786
k) Insurance 3375 3847 4444 6947 5242 6290 7577 8933
l) Other expenditure 9887 9952 23343 33815 10593 10386 15633 18069
V. Provisions and Contingencies 32665 30370 57000 51938 65056 98351 79945 119793
Total expenses@ 246759 315128 832318 1164362 455938 563696 677408 871351
VI. Profit (Loss) during the year 35976 42264 72946 85853 100871 124529 120235 132579
Total (III+IV+V+VI) 315400 387762 962264 1302153 621865 786576 877588 1123723
Notes : @ Excluding ‘Provisions and Contingencies’.
Source : Annual accounts of banks of respective years .
178
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
NATIONALISED BANK
(Amount in Rs. lakh)
As on March 31
Oriental Bank of Punjab and Punjab National Syndicate
Commerce Sind Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) 31) (32)
Income
I. Interest Earned 682719 885648 221928 324717 1426502 1932617 790631 957963
a) Interest/Discount on advances/bills 483864 651970 153007 248613 1043906 1463778 571505 737577
b) Income on investments 184450 214103 59201 68782 361132 440995 207199 208263
c) Interest on balances with RBI and
other inter-bank funds 11915 16893 8613 6836 15033 20232 5907 6951
d) Others 2490 2682 1107 486 6431 7612 6020 5172
II. Other Income 62765 107133 31763 40769 199756 291969 89004 86036
a) Commission, exchange and brokerage 32773 40149 5190 5884 110623 137664 25010 26787
b) Net profit (loss) on sale of investments 15367 48140 1751 11890 44193 66468 33631 19322
c) Net profit (loss) on revaluation of
investments - - - - - - -4961 -4783
d) Net profit (loss) on sale of land and
other assets 265 -15 14 7 114 178 -8 16
e) Net profit (loss) on exchange transactions 6880 10722 3001 3991 21139 29430 6726 8646
f) Miscellaneous income 7480 8137 21807 18997 23687 58229 28606 36048
Total (I+II) 745485 992781 253691 365486 1626258 2224586 879635 1043999
Expenditure & Provisions
III. Interest Expended 515617 685998 143349 223530 873086 1229531 583356 697760
a) Interest on deposits 489561 653189 133460 209099 826515 1156432 554702 661031
b) Interest on RBI/inter-bank borrowings 3589 5001 6144 6912 5907 11950 629 695
c) Others 22467 27808 3745 7519 40664 61149 28025 36034
IV. Operating Expenses 107963 138284 56077 69184 352546 420620 149454 171596
a) Payments to and provisions for employees 54937 75616 42058 51924 246154 292438 92891 104516
b) Rent, taxes and lighting 13114 15318 3200 3421 19394 22627 10158 12069
c) Printing and stationery 1640 1745 610 695 4435 4543 1425 1427
d) Advertisement and publicity 1062 1387 34 38 2331 3124 1282 2252
e) Depreciation on bank’s property 7505 8030 1570 3478 17023 19106 10305 11302
f) Directors’ fees, allowances and expenses 24 41 8 14 94 135 84 93
g) Auditors’ fees and expenses 1247 1587 594 549 3618 3103 2146 2012
h) Law charges 1051 1301 422 439 1310 1532 412 787
i) Postage, telegrams, telephones, etc. 2873 3049 597 641 5557 7659 1953 1937
j) Repairs and maintenance 1903 2176 840 856 5539 6687 4457 5794
k) Insurance 7437 9124 1965 2722 14082 16965 7638 9121
l) Other expenditure 15170 18910 4179 4407 33009 42701 16703 20286
V. Provisions and Contingencies 86582 77956 16030 29054 195748 265347 62020 83362
Total expenses@ 623580 824282 199426 292714 1225632 1650151 732810 869356
VI. Profit (Loss) during the year 35323 90543 38235 43718 204878 309088 84805 91281
Total (III+IV+V+VI) 745485 992781 253691 365486 1626258 2224586 879635 1043999
Notes : @ Excluding ‘Provisions and Contingencies’.
Source : Annual accounts of banks of respective years .
179
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
NATIONALISED BANK
(Amount in Rs. lakh)
As on March 31
UCO Union Bank of United Bank of Vijaya
Bank India India Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) 39) (40)
Income
I. Interest Earned 650855 812137 921464 1188938 355731 431187 388854 523782
a) Interest/Discount on advances/bills 475525 619666 673098 889336 224662 300458 270440 382996
b) Income on investments 157203 175517 228325 283086 129352 127911 109483 131641
c) Interest on balances with RBI and
other inter-bank funds 10430 14358 6081 6801 741 857 1658 419
d) Others 7697 2596 13960 9715 976 1961 7273 8726
II. Other Income 77213 101989 131965 148255 46550 49086 53203 69881
a) Commission, exchange and brokerage 21672 26302 30097 31327 12452 13627 8382 12880
b) Net profit (loss) on sale of investments 21034 31446 37678 32147 17933 21597 21019 30424
c) Net profit (loss) on revaluation of
investments - - - - - - - -
d) Net profit (loss) on sale of land and
other assets 7 5 -29 924 3 4 600 23
e) Net profit (loss) on exchange transactions 4999 8716 26119 33858 2827 1608 4110 4091
f) Miscellaneous income 29501 35520 38099 49999 13335 12250 19092 22463
Total (I+II) 728068 914126 1053429 1337193 402281 480273 442057 593663
Expenditure & Provisions
III. Interest Expended 502081 647668 636095 807582 265269 315035 305842 411303
a) Interest on deposits 456415 592454 575316 738952 250755 297645 290150 380323
b) Interest on RBI/inter-bank borrowings 10416 15149 30871 32981 53 531 25 1167
c) Others 35250 40065 29908 35649 14461 16859 15667 29813
IV. Operating Expenses 130593 146298 159299 221411 90318 97514 70129 92471
a) Payments to and provisions for employees 89454 99754 84529 115188 64157 65757 40492 59747
b) Rent, taxes and lighting 7928 8522 13173 17405 4366 5454 6598 7007
c) Printing and stationery 1856 1970 2658 2743 1595 1716 685 689
d) Advertisement and publicity 1117 1930 3449 13263 1049 647 1173 888
e) Depreciation on bank’s property 6987 8361 10182 13658 4923 6398 3080 3698
f) Directors’ fees, allowances and expenses 77 68 118 152 74 107 34 56
g) Auditors’ fees and expenses 1459 1654 1867 2150 803 1065 1070 1003
h) Law charges 503 501 970 1147 251 290 82 62
i) Postage, telegrams, telephones, etc. 2469 1891 2480 3939 1072 1336 660 803
j) Repairs and maintenance 522 546 3603 3876 660 662 176 238
k) Insurance 5798 6983 10393 13023 3674 4792 4061 5084
l) Other expenditure 12423 14118 25877 34867 7694 9290 12018 13196
V. Provisions and Contingencies 54179 64390 119331 135545 14799 49252 29960 63643
Total expenses@ 632674 793966 795394 1028993 355587 412549 375971 503774
VI. Profit (Loss) during the year 41215 55770 138704 172655 31895 18472 36126 26246
Total (III+IV+V+VI) 728068 914126 1053429 1337193 402281 480273 442057 593663
Notes : @ Excluding ‘Provisions and Contingencies’.
Source : Annual accounts of banks of respective years .
180
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
AB Bank ABN AMRO Bank Abu Dhabi American Express
Commercial Bank Banking Corp. #
Items
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Income
I. Interest Earned 445 455 303829 311967 6472 4779 7738
a) Interest/Discount on advances/bills 255 319 218300 230950 1490 1757 5913
b) Income on investments 62 68 70789 69116 1423 1200 1825
c) Interest on balances with RBI and
other inter-bank funds 128 68 2402 1416 1982 1620 -
d) Others - - 12338 10485 1577 202 -
II. Other Income 444 768 64382 122510 674 531 33479
a) Commission, exchange and brokerage 371 641 65174 62888 277 184 29736
b) Net profit (loss) on sale of investments - - 2297 -2369 - 7 -
c) Net profit (loss) on revaluation of
investments - - - - - - -
d) Net profit (loss) on sale of land and
other assets - - 6 4 -1 - 101
e) Net profit (loss) on exchange transactions 34 53 -7175 56158 305 270 -
f) Miscellaneous income 39 74 4080 5829 93 70 3642
Total (I+II) 889 1223 368211 434477 7146 5310 41217
Expenditure & Provisions
III. Interest Expended 43 72 145980 143715 2667 2002 8117
a) Interest on deposits 28 53 67013 80071 2158 1955 2860
b) Interest on RBI/inter-bank borrowings 15 19 39128 38256 509 47 5237
c) Others - - 39839 25388 - - 20
IV. Operating Expenses 298 415 130712 149736 2670 1315 37458
a) Payments to and provisions for employees 73 99 55108 75145 582 541 10199
b) Rent, taxes and lighting 63 56 8480 9767 123 137 1197
c) Printing and stationery 6 8 2365 1719 17 19 540
d) Advertisement and publicity 6 8 2748 3124 4 5 9848
e) Depreciation on bank’s property 10 16 5546 4367 37 39 3277
f) Directors’ fees, allowances and expenses 2 1 - - - - -
g) Auditors’ fees and expenses 1 3 60 60 4 4 22
h) Law charges 2 2 419 429 5 19 48
i) Postage, telegrams, telephones, etc. 23 31 2023 4471 40 45 1875
j) Repairs and maintenance 12 14 4660 3868 82 86 952
k) Insurance 2 3 692 279 54 47 49
l) Other expenditure 98 174 48611 46507 1722 373 9451
V. Provisions and Contingencies 260 356 63452 139089 -1085 359 6128
Total expenses@ 341 487 276692 293451 5337 3317 45575
VI. Profit (Loss) during the year 288 380 28067 1937 2894 1634 -10486
Total (III+IV+V+VI) 889 1223 368211 434477 7146 5310 41217
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years .
181
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Antwerp Diamond Bank International Bank of Bank of Bahrain
Bank Indonesia America & Kuwait
Items
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Income
I. Interest Earned 4059 4600 217 24 51369 60691 3504 4857
a) Interest/Discount on advances/bills 2632 3091 7 - 24792 38415 2158 3492
b) Income on investments 1287 1404 69 23 21096 19967 866 1131
c) Interest on balances with RBI and
other inter-bank funds 87 50 141 1 1715 821 433 215
d) Others 53 55 - - 3766 1488 47 19
II. Other Income 768 1338 1141 119 34798 39332 868 1492
a) Commission, exchange and brokerage 556 987 - - 5950 6389 229 579
b) Net profit (loss) on sale of investments - - -1 - 995 7273 59 185
c) Net profit (loss) on revaluation of
investments - - -2 - -753 -333 - -
d) Net profit (loss) on sale of land and
other assets - 1 1161 1 10 11 302 -4
e) Net profit (loss) on exchange transactions 131 210 -25 101 23788 21472 148 266
f) Miscellaneous income 81 140 8 17 4808 4520 130 466
Total (I+II) 4827 5938 1358 143 86167 100023 4372 6349
Expenditure & Provisions
III. Interest Expended 2293 2015 16 - 16315 15189 1878 2496
a) Interest on deposits 62 99 6 - 8134 9399 1709 2177
b) Interest on RBI/inter-bank borrowings 1788 1829 10 - 8181 5790 51 135
c) Others 443 87 - - - - 118 184
IV. Operating Expenses 625 850 455 58 16744 17514 1218 1691
a) Payments to and provisions for employees 292 364 98 - 9029 8044 496 742
b) Rent, taxes and lighting 49 56 43 4 1331 1424 378 452
c) Printing and stationery 6 6 2 - 154 175 17 26
d) Advertisement and publicity 2 3 4 - - - 2 9
e) Depreciation on bank’s property 36 13 46 - 740 784 42 121
f) Directors’ fees, allowances and expenses - - - - - - - -
g) Auditors’ fees and expenses 6 6 3 4 19 28 13 14
h) Law charges 1 2 64 21 48 27 8 7
i) Postage, telegrams, telephones, etc. 49 53 28 2 381 393 44 64
j) Repairs and maintenance 28 31 16 1 345 469 52 46
k) Insurance 5 7 3 - 321 421 42 51
l) Other expenditure 151 309 148 26 4376 5749 124 159
V. Provisions and Contingencies 838 1516 188 -50 22587 33620 -647 422
Total expenses@ 2918 2865 471 58 33059 32703 3096 4187
VI. Profit (Loss) during the year 1071 1557 699 134 30521 33700 1923 1740
Total (III+IV+V+VI) 4827 5938 1358 143 86167 100023 4372 6349
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years .
182
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Bank of Bank of Nova Bank of Tokyo- Barclays
Ceylon Scotia Mitsubishi UFJ Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
Income
I. Interest Earned 1122 1380 35441 54525 21354 31537 62384 203654
a) Interest/Discount on advances/bills 526 612 25904 40811 16775 23942 43221 157223
b) Income on investments 214 212 9306 13209 3754 6804 17108 43914
c) Interest on balances with RBI and
other inter-bank funds 373 550 163 67 376 545 2043 2375
d) Others 9 6 68 438 449 246 12 142
II. Other Income 357 1539 11365 17140 4265 6270 56752 58921
a) Commission, exchange and brokerage 219 239 1045 2284 1414 3376 20114 32397
b) Net profit (loss) on sale of investments - - 309 172 - - 3251 21406
c) Net profit (loss) on revaluation of
investments - - - - - - - -
d) Net profit (loss) on sale of land and
other assets - - -1 - - -10 140 -5
e) Net profit (loss) on exchange transactions 76 76 6082 9899 2588 2902 33196 4857
f) Miscellaneous income 62 1224 3930 4785 263 2 51 266
Total (I+II) 1479 2919 46806 71665 25619 37807 119136 262575
Expenditure & Provisions
III. Interest Expended 312 323 25789 37103 7704 17433 32342 97852
a) Interest on deposits 292 283 18927 25252 3977 11464 19852 89574
b) Interest on RBI/inter-bank borrowings 20 40 6449 11059 1640 2737 8122 6994
c) Others - - 413 792 2087 3232 4368 1284
IV. Operating Expenses 269 322 4026 5857 3032 4080 69201 89245
a) Payments to and provisions for employees 85 105 1690 1788 1576 1870 25185 26482
b) Rent, taxes and lighting 37 41 491 534 365 400 6303 6429
c) Printing and stationery 3 7 65 64 51 71 943 860
d) Advertisement and publicity 4 3 9 6 2 3 3417 3022
e) Depreciation on bank’s property 14 19 192 183 258 682 1779 3240
f) Directors’ fees, allowances and expenses - - - - 2 1 - -
g) Auditors’ fees and expenses 2 1 22 33 7 10 29 42
h) Law charges 19 21 52 18 147 104 51 159
i) Postage, telegrams, telephones, etc. 45 52 175 196 70 74 1515 2577
j) Repairs and maintenance 6 14 207 214 153 179 271 319
k) Insurance 1 1 142 217 102 151 165 654
l) Other expenditure 53 58 981 2604 299 535 29543 45461
V. Provisions and Contingencies 521 301 6863 13419 6473 9518 16976 72467
Total expenses@ 581 645 29815 42960 10736 21513 101543 187097
VI. Profit (Loss) during the year 377 1973 10128 15286 8410 6776 617 3011
Total (III+IV+V+VI) 1479 2919 46806 71665 25619 37807 119136 262575
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years .
183
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
BNP Paribas Calyon Bank Chinatrust Citibank
Commercial Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
Income
I. Interest Earned 45948 63636 27610 34659 1420 1859 596399 684023
a) Interest/Discount on advances/bills 25208 37817 13278 18053 1131 1638 412092 493470
b) Income on investments 20003 25461 13515 16305 255 195 139247 162663
c) Interest on balances with RBI and
other inter-bank funds 692 226 815 270 34 26 45033 27711
d) Others 45 132 2 31 - - 27 179
II. Other Income 25616 24318 23002 25493 161 242 244612 358229
a) Commission, exchange and brokerage 8315 11115 1684 4197 90 101 96157 112532
b) Net profit (loss) on sale of investments -185 -4427 1858 1643 - - 6656 60423
c) Net profit (loss) on revaluation of
investments - - - - - - - -
d) Net profit (loss) on sale of land and
other assets -1 -38 5 -7 -1 1 6652 1334
e) Net profit (loss) on exchange transactions 17119 16819 19376 19452 28 86 132513 182556
f) Miscellaneous income 368 849 79 208 44 54 2634 1384
Total (I+II) 71564 87954 50612 60152 1581 2101 841011 1042252
Expenditure & Provisions
III. Interest Expended 25376 27202 14269 17370 831 644 231143 242884
a) Interest on deposits 12106 12967 3539 3023 434 393 182092 191404
b) Interest on RBI/inter-bank borrowings 10624 10637 9533 13103 397 251 38223 36090
c) Others 2646 3598 1197 1244 - - 10828 15390
IV. Operating Expenses 17839 19343 10782 9959 487 858 217938 258722
a) Payments to and provisions for employees 9519 9114 6862 5762 145 303 70723 88062
b) Rent, taxes and lighting 1329 1655 609 687 140 155 12016 13840
c) Printing and stationery 175 176 35 32 4 5 4337 3952
d) Advertisement and publicity 154 127 256 95 1 0 20284 15527
e) Depreciation on bank’s property 699 631 303 350 17 23 10354 9074
f) Directors’ fees, allowances and expenses - - - - - - - -
g) Auditors’ fees and expenses 26 29 4 4 5 6 64 66
h) Law charges 7 12 59 120 29 23 810 846
i) Postage, telegrams, telephones, etc. 380 371 124 125 10 10 11923 12880
j) Repairs and maintenance 817 866 241 355 13 8 6614 6753
k) Insurance 370 385 96 91 10 10 4286 4635
l) Other expenditure 4363 5977 2193 2338 113 315 76527 103087
V. Provisions and Contingencies 15278 24409 12894 17270 -70 34 211505 323339
Total expenses@ 43215 46545 25051 27329 1318 1502 449081 501606
VI. Profit (Loss) during the year 13071 17000 12667 15553 333 565 180425 217307
Total (III+IV+V+VI) 71564 87954 50612 60152 1581 2101 8410111042252
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years .
184
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
DBS Deutsche Hong Kong & Shanghai JP Morgan
Bank Bank Banking Corpn. Chase Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
Income
I. Interest Earned 63410 80864 144538 188145 497922 632692 45135 51592
a) Interest/Discount on advances/bills 16505 23891 71562 118214 325376 392105 10371 7363
b) Income on investments 25895 40315 55874 66005 148364 222705 32663 42524
c) Interest on balances with RBI and
other inter-bank funds 21010 16658 16181 2261 23062 15479 1836 1448
d) Others - - 921 1665 1120 2403 265 257
II. Other Income (3345) 30219 101760 101967 211668 269943 38431 71821
a) Commission, exchange and brokerage 3643 19490 38802 43024 99689 130700 21670 13846
b) Net profit (loss) on sale of investments -1744 -536 12552 20354 -5548 21657 4455 2419
c) Net profit (loss) on revaluation of
investments - - - - - 7747 - -
d) Net profit (loss) on sale of land and
other assets 1 3 -28 -20 -193 17 - -
e) Net profit (loss) on exchange transactions -5569 11207 37781 35731 82108 112831 11975 44595
f) Miscellaneous income 324 55 12653 2878 35612 -3009 331 10961
Total (I+II) 60065 111083 246298 290112 709590 902635 83566 123413
Expenditure & Provisions
III. Interest Expended 39341 49392 53650 58794 201587 266100 20352 23078
a) Interest on deposits 12189 22380 22452 23115 173935 228596 10118 11905
b) Interest on RBI/inter-bank borrowings 27152 27012 30414 35241 24810 34757 3404 4527
c) Others - - 784 438 2842 2747 6830 6646
IV. Operating Expenses 8817 16483 105447 115507 214517 219466 12802 13781
a) Payments to and provisions for employees 5545 9152 49272 42409 89079 87429 7793 7823
b) Rent, taxes and lighting 715 2196 4909 5941 10412 14678 570 750
c) Printing and stationery 31 42 1300 1267 2556 2738 43 50
d) Advertisement and publicity 99 428 1347 1014 10489 7776 10 2
e) Depreciation on bank’s property 575 866 2908 3291 6389 9308 186 206
f) Directors’ fees, allowances and expenses - - - - - - - -
g) Auditors’ fees and expenses 4 4 30 28 22 29 23 22
h) Law charges 31 46 531 405 415 748 94 104
i) Postage, telegrams, telephones, etc. 88 299 5172 4277 8654 7468 337 584
j) Repairs and maintenance 172 219 3043 3877 3832 4698 393 540
k) Insurance 184 266 1623 2540 4660 4963 209 322
l) Other expenditure 1373 2965 35312 50458 78009 79631 3144 3378
V. Provisions and Contingencies 5405 19306 48591 72806 174256 287940 25503 42167
Total expenses@ 48158 65875 159097 174301 416104 485566 33154 36859
VI. Profit (Loss) during the year 6502 25902 38610 43005 119230 129129 24909 44387
Total (III+IV+V+VI) 60065 111083 246298 290112 709590 902635 83566 123413
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years .
185
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
JSC VTB Bank # Krung Thai Bank Mashreq Bank Mizuho Corporate
Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46) (47) (48)
Income
I. Interest Earned 683 776 1027 793 533 7477 12904
a) Interest/Discount on advances/bills 83 88 76 142 135 6050 10690
b) Income on investments - 155 199 204 274 1358 2051
c) Interest on balances with RBI and
other inter-bank funds 600 533 752 277 124 36 156
d) Others - - - 170 - 33 7
II. Other Income 14 85 94 967 1035 1960 3814
a) Commission, exchange and brokerage 10 37 50 823 839 1166 1695
b) Net profit (loss) on sale of investments - - - - - - -
c) Net profit (loss) on revaluation of
investments - - - - - 1 - -
d) Net profit (loss) on sale of land and
other assets - - - - - 149 1 -138
e) Net profit (loss) on exchange transactions 4 48 44 110 - 793 2257
f) Miscellaneous income - - - 34 46 - -
Total (I+II) 697 861 1121 1760 1568 9437 16718
Expenditure & Provisions
III. Interest Expended 0 240 455 25 16 3377 5817
a) Interest on deposits - 240 455 21 12 962 3927
b) Interest on RBI/inter-bank borrowings - - - 1 4 2168 1246
c) Others - - - 3 - 247 644
IV. Operating Expenses 697 257 322 571 602 2560 3622
a) Payments to and provisions for employees 233 55 63 251 254 971 1494
b) Rent, taxes and lighting 297 94 155 98 98 724 1089
c) Printing and stationery 8 2 2 8 9 16 27
d) Advertisement and publicity - 1 1 6 3 1 2
e) Depreciation on bank’s property 9 36 28 38 46 171 149
f) Directors’ fees, allowances and expenses - - - - - - - -
g) Auditors’ fees and expenses 10 2 3 3 2 13 15
h) Law charges 10 - - 8 13 24 48
i) Postage, telegrams, telephones, etc. 7 5 5 34 40 34 35
j) Repairs and maintenance 9 13 16 33 30 184 105
k) Insurance 1 1 2 5 11 25 61
l) Other expenditure 113 48 47 87 96 397 597
V. Provisions and Contingencies 29 165 158 254 405 1448 3008
Total expenses@ 697 497 777 596 618 5937 9439
VI. Profit (Loss) during the year -29 199 186 910 545 2052 4271
Total (III+IV+V+VI) 697 861 1121 1760 1568 9437 16718
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years .
186
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Oman International Shinhan Bank Societe Gemerale Sonali Bank
Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(49) (50) (51) (52) (53) (54) (55) (56)
Income
I. Interest Earned 1462 1452 4821 6387 22100 15267 137 137
a) Interest/Discount on advances/bills 18 7 1653 4321 3921 4757 53 68
b) Income on investments 644 632 723 954 12338 10409 53 49
c) Interest on balances with RBI and
other inter-bank funds 800 813 2440 1108 5841 101 4 16
d) Others - - 5 4 - - 27 4
II. Other Income 67 256 557 838 4237 6879 372 463
a) Commission, exchange and brokerage 22 33 159 360 4098 2813 288 370
b) Net profit (loss) on sale of investments - - - 12 -314 -863 - -
c) Net profit (loss) on revaluation of
investments - - - - - - - -
d) Net profit (loss) on sale of land and
other assets - 2 - -1 17 1 1 -
e) Net profit (loss) on exchange transactions 40 71 339 452 1340 2266 55 67
f) Miscellaneous income 5 150 59 15 -904 2662 28 26
Total (I+II) 1529 1708 5378 7225 26337 22146 509 600
Expenditure & Provisions
III. Interest Expended 1209 921 1475 2566 16544 8017 61 65
a) Interest on deposits 1100 822 1394 2370 8302 5781 36 40
b) Interest on RBI/inter-bank borrowings 109 99 70 188 3076 1227 - -
c) Others - - 11 8 5166 1009 25 25
IV. Operating Expenses 588 607 1315 1278 6080 6552 330 340
a) Payments to and provisions for employees 167 173 356 528 3324 3207 189 202
b) Rent, taxes and lighting 50 51 456 406 559 918 76 64
c) Printing and stationery 5 5 11 13 39 40 4 5
d) Advertisement and publicity 7 7 5 8 1 28 2 2
e) Depreciation on bank’s property 126 127 72 56 527 527 4 4
f) Directors’ fees, allowances and expenses - - - - - - - -
g) Auditors’ fees and expenses 3 3 2 2 4 4 3 3
h) Law charges 39 21 1 0 21 19 1 2
i) Postage, telegrams, telephones, etc. 19 23 61 61 217 219 19 25
j) Repairs and maintenance 33 27 33 28 58 63 1 2
k) Insurance 21 19 41 51 124 145 2 3
l) Other expenditure 118 151 277 125 1206 1382 29 28
V. Provisions and Contingencies -1046 -114 1272 1451 -315 3617 58 91
Total expenses@ 1797 1528 2790 3844 22624 14569 391 405
VI. Profit (Loss) during the year 778 294 1316 1930 4028 3960 60 104
Total (III+IV+V+VI) 1529 1708 5378 7225 26337 22146 509 600
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years .
187
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Standard Chartered State Bank UBS AG #
Bank of Muritius
Items
2008 2009 2008 2009 2008 2009
(57) (58) (59) (60) (61) (62)
Income
I. Interest Earned 487805 564942 3705 4451 755
a) Interest/Discount on advances/bills 345699 435822 1943 2902 -
b) Income on investments 123571 124303 851 809 64
c) Interest on balances with RBI and
other inter-bank funds 8700 2951 911 740 691
d) Others 9835 1866 - - -
II. Other Income 232221 309705 571 307 -
a) Commission, exchange and brokerage 163637 188937 50 83 -
b) Net profit (loss) on sale of investments -10199 -13382 264 -68 -
c) Net profit (loss) on revaluation of
investments 7049 25183 - - -
d) Net profit (loss) on sale of land and
other assets 184 149 - - -
e) Net profit (loss) on exchange transactions 36315 59195 79 12 -
f) Miscellaneous income 35235 49623 178 280 -
Total (I+II) 720026 874647 4276 4758 755
Expenditure & Provisions
III. Interest Expended 212995 248962 2574 3054 -
a) Interest on deposits 164666 196241 1834 2186 -
b) Interest on RBI/inter-bank borrowings 43181 36890 740 868 -
c) Others 5148 15831 - - -
IV. Operating Expenses 205060 249973 650 622 2573
a) Payments to and provisions for employees 79360 105222 194 184 1390
b) Rent, taxes and lighting 9547 14627 28 27 775
c) Printing and stationery 4203 4022 7 5 5
d) Advertisement and publicity 26338 28906 1 3 -
e) Depreciation on bank’s property 3517 5572 122 112 57
f) Directors’ fees, allowances and expenses - - - - -
g) Auditors’ fees and expenses 40 54 3 3 14
h) Law charges 4526 3410 5 - 1
i) Postage, telegrams, telephones, etc. 6407 6954 31 31 19
j) Repairs and maintenance 8220 7413 33 35 80
k) Insurance 3950 4555 30 27 -
l) Other expenditure 58951 69238 196 195 232
V. Provisions and Contingencies 131350 185037 541 517 156
Total expenses@ 418054 498935 3224 3676 2573
VI. Profit (Loss) during the year 170622 190675 511 565 -1974
Total (III+IV+V+VI) 720026 874647 4276 4758 755
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years .
188
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Axis Bank Bank of Catholic Syrian Centurion Bank of
Rajasthan Bank Punjab #
Items
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Income
I. Interest Earned 700532 1083548 104944 138361 48126 55662 218547
a) Interest/Discount on advances/bills 474565 746586 63128 91710 35517 41152 175343
b) Income on investments 210232 305150 28364 37398 11094 12744 37638
c) Interest on balances with RBI and
other inter-bank funds 10764 21019 13081 8751 1495 1686 5055
d) Others 4971 10793 371 502 20 80 511
II. Other Income 179548 289687 12697 12361 6049 9959 63729
a) Commission, exchange and brokerage 132070 217326 4401 3787 1795 1757 48388
b) Net profit (loss) on sale of investments 22025 28843 1643 3601 449 4381 3474
c) Net profit (loss) on revaluation of
investments - - -1225 -777 - - -
d) Net profit (loss) on sale of land and
other assets -1518 -820 21 -11 10 176 805
e) Net profit (loss) on exchange transactions 20748 35950 787 858 871 1004 6464
f) Miscellaneous income 6223 8388 7070 4903 2924 2641 4598
Total (I+II) 880080 1373235 117641 150722 54175 65621 282276
Expenditure & Provisions
III. Interest Expended 441996 714928 73560 99845 31718 39089 149201
a) Interest on deposits 374252 620892 70821 96908 30763 38103 137653
b) Interest on RBI/inter-bank borrowings 17630 28528 237 215 41 101 7343
c) Others 50114 65508 2502 2722 914 885 4205
IV. Operating Expenses 215492 285821 26952 31502 15111 18650 97689
a) Payments to and provisions for employees 67025 99766 17494 20882 9839 11922 31883
b) Rent, taxes and lighting 25293 37030 2144 2449 1629 2040 9654
c) Printing and stationery 5400 7523 331 356 246 237 1902
d) Advertisement and publicity 7441 4632 444 392 84 84 1253
e) Depreciation on bank’s property 15811 18867 1122 1185 569 918 7558
f) Directors’ fees, allowances and expenses 70 72 47 48 49 57 29
g) Auditors’ fees and expenses 66 83 50 63 55 67 103
h) Law charges 519 1072 272 191 106 80 597
i) Postage, telegrams, telephones, etc. 10119 15024 515 610 226 449 3687
j) Repairs and maintenance 18959 22354 679 711 414 550 6230
k) Insurance 7672 11368 1086 1366 516 570 2014
l) Other expenditure 57117 68030 2768 3249 1378 1676 32779
V. Provisions and Contingencies 115489 190952 5609 7606 3692 4162 23588
Total expenses@ 657488 1000749 100512 131347 46829 57739 246890
VI. Profit (Loss) during the year 107103 181534 11520 11769 3654 3720 11798
Total (III+IV+V+VI) 880080 1373235 117641 150722 54175 65621 282276
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years.
189
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
City Union Bank Development Dhanlakshmi Federal
Credit Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Income
I. Interest Earned 59596 80440 56229 64520 31249 40841 251544 331538
a) Interest/Discount on advances/bills 47948 65533 42857 49459 21961 29209 182732 256425
b) Income on investments 10971 14242 11432 12593 6609 7903 62180 70027
c) Interest on balances with RBI and
other inter-bank funds 677 665 1831 2468 2616 3729 3747 3666
d) Others - - 109 - 63 - 2885 1420
II. Other Income 9028 12369 17366 12013 4202 7936 39472 51577
a) Commission, exchange and brokerage 1747 2113 8446 7681 1210 1013 9053 10128
b) Net profit (loss) on sale of investments 1235 3813 1816 196 140 737 7505 8299
c) Net profit (loss) on revaluation of
investments - - - - - - - -
d) Net profit (loss) on sale of land and
other assets 2 4 1025 473 - 18 -2 57
e) Net profit (loss) on exchange transactions 459 984 1724 2241 397 378 3379 5102
f) Miscellaneous income 5585 5455 4355 1422 2455 5790 19537 27991
Total (I+II) 68624 92809 73595 76533 35451 48777 291016 383115
Expenditure & Provisions
III. Interest Expended 39618 56183 38837 44795 21350 28679 164742 199992
a) Interest on deposits 38953 55622 35907 40138 20488 27947 152585 187324
b) Interest on RBI/inter-bank borrowings 263 182 2289 2931 192 64 2477 2517
c) Others 402 379 641 1726 670 668 9680 10151
IV. Operating Expenses 10991 13952 23799 24202 9654 11306 46862 57145
a) Payments to and provisions for employees 4790 6497 9713 10442 4737 6256 27123 31745
b) Rent, taxes and lighting 1373 1546 3062 3544 1205 1391 4532 6320
c) Printing and stationery 209 296 370 344 122 153 532 645
d) Advertisement and publicity 320 339 280 203 33 70 762 841
e) Depreciation on bank’s property 1480 1594 1331 1505 806 755 2896 4284
f) Directors’ fees, allowances and expenses 30 22 44 46 18 25 77 99
g) Auditors’ fees and expenses 38 49 42 41 39 53 489 694
h) Law charges 6 9 28 25 46 58 327 337
i) Postage, telegrams, telephones, etc. 309 381 514 622 262 261 660 909
j) Repairs and maintenance 448 709 724 704 150 152 1679 1667
k) Insurance 550 710 466 620 308 374 2246 2630
l) Other expenditure 1323 1800 7225 6106 1928 1758 5539 6974
V. Provisions and Contingencies 7842 10459 7128 16343 1603 3045 42607 75928
Total expenses@ 50609 70135 62636 68997 31004 39985 211604 257137
VI. Profit (Loss) during the year 10173 12215 3831 -8807 2844 5747 36805 50050
Total (III+IV+V+VI) 68624 92809 73595 76533 35451 48777 291016 383115
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years.
190
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
HDFC Bank ICICI Bank IndusInd Bank ING Vysya
Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
Income
I. Interest Earned 1011500 1633227 3078834 3109255 188067 230947 168044 223989
a) Interest/Discount on advances/bills 696673 1213675 2260099 2232383 142533 179331 129689 174763
b) Income on investments 287204 400796 746601 740306 40347 48324 35029 46984
c) Interest on balances with RBI and
other inter-bank funds 27239 18426 61199 51871 2192 1577 2003 1522
d) Others 384 330 10935 84695 2995 1715 1323 720
II. Other Income 228315 329061 881075 760371 29757 45625 41855 54767
a) Commission, exchange and brokerage 171450 245730 560531 562589 10098 13910 25075 32930
b) Net profit (loss) on sale of investments 16401 41054 188022 180047 1944 12155 1182 3897
c) Net profit (loss) on revaluation of
investments 7777 -2799 -6809 -51403 - - - -
d) Net profit (loss) on sale of land and
other assets 70 419 6561 1751 -67 -3063 338 460
e) Net profit (loss) on exchange transactions 28313 59861 11017 841 2889 7188 8298 11108
f) Miscellaneous income 4304 -15204 121753 66546 14893 15435 6963 6372
Total (I+II) 1239815 1962288 3959909 3869626 217824 276572 209900 278756
Expenditure & Provisions
III. Interest Expended 488712 891110 2348424 2272594 157986 185044 118205 159027
a) Interest on deposits 438273 801545 1711024 1578516 140115 157597 104620 140104
b) Interest on RBI/inter-bank borrowings 24243 55649 182696 200459 5584 11997 3345 5146
c) Others 26196 33916 454704 493619 12287 15450 10240 13777
IV. Operating Expenses 374562 553282 815417 704509 40220 54702 60950 77247
a) Payments to and provisions for employees 130135 223820 207890 197170 12190 18714 30239 39222
b) Rent, taxes and lighting 25861 50740 51664 62580 3659 4964 4507 5971
c) Printing and stationery 13098 16706 17421 12003 1124 1309 1103 1057
d) Advertisement and publicity 11473 10868 20786 14028 211 1551 428 419
e) Depreciation on bank’s property 27172 35991 57835 67860 4016 4417 3893 4082
f) Directors’ fees, allowances and expenses 39 42 42 36 61 55 36 28
g) Auditors’ fees and expenses 82 133 230 227 98 100 61 66
h) Law charges 1050 1931 4537 9240 1316 1287 248 424
i) Postage, telegrams, telephones, etc. 34988 33437 33057 25385 2321 2747 1916 2243
j) Repairs and maintenance 17933 30293 41987 48969 3085 4170 2116 2217
k) Insurance 9016 13875 22495 22829 1735 2022 2007 2381
l) Other expenditure 103715 135446 357473 244182 10404 13366 14396 19137
V. Provisions and Contingencies 217523 293402 380295 516709 12113 21991 15054 23604
Total expenses@ 863274 1444392 3163841 2977103 198206 239746 179155 236274
VI. Profit (Loss) during the year 159018 224494 415773 375814 7505 14835 15691 18878
Total (III+IV+V+VI) 1239815 1962288 3959909 3869626 217824 276572 209900 278756
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years.
191
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Jammu & Kashmir Karnataka Bank Karur Vysya Bank Kotak Mahindra
Bank Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
Income
I. Interest Earned 243423 298812 156045 191740 110640 144610 253536 306514
a) Interest/Discount on advances/bills 187756 229491 112299 139093 85816 114034 180205 249373
b) Income on investments 54135 66200 43122 51383 23563 27641 70831 55840
c) Interest on balances with RBI and
other inter-bank funds 1532 3121 251 552 1116 1439 1804 1172
d) Others - - 373 712 145 1496 696 129
II. Other Income 24502 24506 23744 35315 18294 26520 46345 35785
a) Commission, exchange and brokerage 8324 8342 10589 10321 11866 14019 22208 22375
b) Net profit (loss) on sale of investments 9016 7914 7820 19067 3068 9358 7268 -8535
c) Net profit (loss) on revaluation of
investments -1833 -1642 - - - - -5795 8423
d) Net profit (loss) on sale of land and
other assets - - 4 1 4 26 112 27
e) Net profit (loss) on exchange transactions 1203 1467 2481 2889 1810 1960 -2736 1310
f) Miscellaneous income 7792 8425 2850 3037 1546 1157 25288 12185
Total (I+II) 267925 323318 179789 227055 128934 171130 299881 342299
Expenditure & Provisions
III. Interest Expended 162379 198786 110170 144383 76536 103568 130957 154660
a) Interest on deposits 157276 191479 107041 140689 75311 101440 96484 109669
b) Interest on RBI/inter-bank borrowings 5103 7307 1392 1032 851 1571 19015 21991
c) Others 0 0 1737 2662 374 557 15458 23000
IV. Operating Expenses 40360 47086 30558 34652 21623 25759 101938 119641
a) Payments to and provisions for employees 22577 27877 18099 19041 10178 12286 51923 58363
b) Rent, taxes and lighting 2697 3076 3395 4369 1962 2316 8425 12975
c) Printing and stationery 451 454 312 356 309 335 2758 3356
d) Advertisement and publicity 772 736 266 295 734 1042 2201 1986
e) Depreciation on bank’s property 3216 3251 1746 1984 1960 2053 5086 6956
f) Directors’ fees, allowances and expenses 26 26 30 44 54 70 19 18
g) Auditors’ fees and expenses 561 564 63 99 56 75 95 111
h) Law charges 96 107 119 131 58 63 1117 1519
i) Postage, telegrams, telephones, etc. 462 499 461 630 723 1157 3408 4191
j) Repairs and maintenance 786 645 896 1194 629 721 4628 5591
k) Insurance 1794 2215 1713 2098 1014 1336 903 1563
l) Other expenditure 6922 7636 3458 4411 3946 4305 21375 23012
V. Provisions and Contingencies 29183 36462 14886 21351 9943 18218 37596 40389
Total expenses@ 202739 245872 140728 179035 98159 129327 232895 274301
VI. Profit (Loss) during the year 36003 40984 24175 26669 20832 23585 29390 27609
Total (III+IV+V+VI) 267925 323318 179789 227055 128934 171130 299881 342299
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years.
192
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Lakshmi Vilas Nainital Bank Ratnakar Bank SBI Comm. &
Bank Intl. Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
Income
I. Interest Earned 50605 65762 16868 20911 10729 13787 4365 5406
a) Interest/Discount on advances/bills 37898 51792 10386 13428 6004 7744 2802 3680
b) Income on investments 10310 12614 3532 4160 2396 3172 1062 1066
c) Interest on balances with RBI and
other inter-bank funds 1365 857 2931 3288 2298 2871 488 501
d) Others 1032 499 19 35 31 - 13 159
II. Other Income 8249 10699 754 1037 873 1567 1380 307
a) Commission, exchange and brokerage 2840 4257 442 373 357 477 145 137
b) Net profit (loss) on sale of investments 2133 3036 -315 91 165 654 248 52
c) Net profit (loss) on revaluation of
investments - - -13 -31 - - - -
d) Net profit (loss) on sale of land and
other assets 548 262 - - 2 10 - 1
e) Net profit (loss) on exchange transactions 617 881 - - - - 161 -55
f) Miscellaneous income 2111 2263 640 604 349 426 826 172
Total (I+II) 58854 76461 17622 21948 11602 15354 5745 5713
Expenditure & Provisions
III. Interest Expended 38192 50407 9300 11640 5238 7444 3587 3606
a) Interest on deposits 36320 48155 9034 11466 5204 7410 3278 3574
b) Interest on RBI/inter-bank borrowings 555 1618 266 3 2 2 309 32
c) Others 1317 634 - 171 32 32 - -
IV. Operating Expenses 11645 15169 3225 3894 2976 3327 921 957
a) Payments to and provisions for employees 6304 7845 2044 2594 1712 2050 393 415
b) Rent, taxes and lighting 978 1315 277 318 356 404 158 171
c) Printing and stationery 151 151 47 56 43 45 8 8
d) Advertisement and publicity 118 174 18 16 23 35 1 4
e) Depreciation on bank’s property 858 1272 180 148 316 346 90 82
f) Directors’ fees, allowances and expenses 43 57 5 7 6 8 14 21
g) Auditors’ fees and expenses 28 31 14 15 8 10 4 4
h) Law charges 47 44 29 22 15 10 9 8
i) Postage, telegrams, telephones, etc. 497 433 56 61 34 43 10 20
j) Repairs and maintenance 66 63 50 80 42 71 23 25
k) Insurance 496 593 142 169 93 117 66 65
l) Other expenditure 2059 3191 363 408 328 188 145 134
V. Provisions and Contingencies 6490 5855 2384 2811 1687 1532 -48 45
Total expenses@ 49837 65576 12525 15534 8214 10771 4508 4563
VI. Profit (Loss) during the year 2527 5030 2713 3603 1701 3051 1285 1105
Total (III+IV+V+VI) 58854 76461 17622 21948 11602 15354 5745 5713
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years.
193
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
South Indian Bank Tamilnad Mercantile Yes Bank
Bank
Items
2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46)
Income
I. Interest Earned 129124 168692 76100 97715 130468 200332
a) Interest/Discount on advances/bills 96057 127090 50595 74216 93037 148781
b) Income on investments 27271 35881 21655 22400 36068 49970
c) Interest on balances with RBI and
other inter-bank funds 5796 5721 714 732 1052 1151
d) Others - - 3136 367 311 430
II. Other Income 14258 16427 13070 13584 36067 43502
a) Commission, exchange and brokerage 2809 2816 3510 4058 20508 22577
b) Net profit (loss) on sale of investments 3157 3541 962 745 5909 14864
c) Net profit (loss) on revaluation of
investments - - - - - -
d) Net profit (loss) on sale of land and
other assets -16 77 2 -2 -1 -16
e) Net profit (loss) on exchange transactions 1569 2448 1633 1919 2198 2623
f) Miscellaneous income 6739 7545 6963 6864 7453 3454
Total (I+II) 143382 185119 89170 111299 166535 243834
Expenditure & Provisions
III. Interest Expended 91510 116404 49880 64343 97411 149214
a) Interest on deposits 89481 113697 46234 63810 85401 122705
b) Interest on RBI/inter-bank borrowings 680 1429 199 207 5948 14440
c) Others 1349 1278 3447 326 6062 12069
IV. Operating Expenses 24807 32846 16850 20427 34116 41853
a) Payments to and provisions for employees 14635 21418 10140 12435 20241 21802
b) Rent, taxes and lighting 2175 2713 1374 1662 3170 5634
c) Printing and stationery 819 392 346 448 384 431
d) Advertisement and publicity 354 549 324 269 167 148
e) Depreciation on bank’s property 1219 1390 966 932 1923 3010
f) Directors’ fees, allowances and expenses 35 37 43 17 26 38
g) Auditors’ fees and expenses 107 130 31 38 34 38
h) Law charges 101 98 33 71 191 65
i) Postage, telegrams, telephones, etc. 634 760 465 510 735 904
j) Repairs and maintenance 661 905 577 715 297 390
k) Insurance 1319 1557 638 813 208 135
l) Other expenditure 2748 2897 1913 2517 6740 9258
V. Provisions and Contingencies 11903 16393 9766 11507 15006 22381
Total expenses@ 116317 149250 66730 84770 131527 191067
VI. Profit (Loss) during the year 15162 19476 12674 15022 20002 30386
Total (III+IV+V+VI) 143382 185119 89170 111299 166535 243834
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years.
194
TABLE B3 : BANK-WISE CAPITAL ADEQUACY RATIO (CRAR) OF
SCHEDULED COMMERCIAL BANKS - 2008 AND 2009
(Per cent)
CRAR (as on March 31)
Basel-I Basel-II
Bank Name 2008 2009 2008 2009
Tier-I Tier-II Total Tier-I Tier-II Total Tier-I Tier-II Total Tier-I Tier-II Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
State Bank of Bikaner And Jaipur 7.49 6.01 13.50 7.68 5.50 13.18 6.95 5.56 12.51 8.46 6.06 14.52
State Bank of Hyderabad 7.24 5.11 12.35 6.55 4.03 10.58 NA NA 11.97 7.14 4.39 11.53
State Bank of India 9.14 4.40 13.54 8.53 4.44 12.97 NA NA NA 9.38 4.87 14.25
State Bank of Indore 7.01 4.30 11.31 6.94 4.87 11.81 7.01 4.28 11.29 7.91 5.55 13.46
State Bank of Mysore 6.90 5.44 12.34 6.83 5.58 12.41 6.54 5.19 11.73 7.37 6.01 13.38
State Bank of Patiala 6.74 5.76 12.50 6.30 5.13 11.43 7.31 6.25 13.56 6.94 5.66 12.60
State Bank of Travancore 6.94 5.74 12.68 7.43 4.70 12.13 7.41 6.12 13.53 8.59 5.44 14.03
Nationalised Banks
195
TABLE B3 : BANK-WISE CAPITAL ADEQUACY RATIO (CRAR) OF
SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
(Per cent)
CRAR (as on March 31)
Basel-I Basel-II
Bank Name 2008 2009 2008 2009
Tier-I Tier-II Total Tier-I Tier-II Total Tier-I Tier-II Total Tier-I Tier-II Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Bank of Rajasthan 6.10 5.77 11.87 6.45 5.55 12.00 NA NA NA 6.19 5.31 11.50
City Union Bank 11.15 1.33 12.48 11.30 1.19 12.49 NA NA NA 11.48 1.21 12.69
Development Credit Bank 11.82 1.56 13.38 11.62 1.82 13.44 NA NA NA 11.50 1.80 13.30
Dhanalakshmi Bank 6.56 2.65 9.21 12.90 1.54 14.44 NA NA NA 13.75 1.63 15.38
Federal Bank 19.09 3.37 22.46 17.52 2.62 20.14 NA NA NA 18.42 1.80 20.22
HDFC Bank 10.30 3.30 13.60 10.18 4.91 15.09 NA NA NA 10.58 5.11 15.69
ICICI Bank 11.32 3.60 14.92 12.16 3.76 15.92 11.76 2.20 13.97 11.84 3.69 15.53
IndusInd Bank 6.70 5.21 11.91 7.52 4.81 12.33 NA NA NA 7.65 4.90 12.55
ING Vysya Bank 6.82 3.38 10.20 6.91 4.77 11.68 NA NA NA 6.89 4.76 11.65
Jammu & Kashmir Bank 12.14 0.66 12.80 12.77 0.69 13.46 NA NA NA 13.80 0.68 14.48
Karnataka Bank 10.36 1.81 12.17 10.65 2.89 13.54 NA NA NA 10.60 2.88 13.48
Karur Vysya Bank 12.11 0.47 12.58 12.63 0.45 13.08 NA NA NA 14.40 0.52 14.92
Kotak Mahindra Bank 14.46 4.19 18.65 16.01 3.85 19.86 NA NA NA 16.13 3.88 20.01
Lakshmi Vilas Bank 10.53 2.20 12.73 8.63 1.46 10.09 NA NA NA 8.81 1.48 10.29
Nainital Bank 11.00 1.32 12.32 12.57 1.32 13.89 NA NA NA 11.85 1.25 13.10
Ratnakar Bank 48.29 0.86 49.15 44.22 0.65 44.87 NA NA NA 41.69 0.61 42.30
SBI Commercial & International Bank 24.27 0.79 25.06 23.81 0.00 23.81 22.74 0.74 23.48 21.49 -0.25 21.24
South Indian Bank 12.08 1.72 13.80 12.44 1.45 13.89 NA NA NA 13.22 1.54 14.76
Tamilnad Mercantile Bank 14.70 0.65 15.35 13.88 0.65 14.53 NA NA NA 15.38 0.72 16.10
Yes Bank 8.50 5.10 13.60 8.30 6.20 14.50 NA NA NA 9.50 7.10 16.60
196
TABLE B3 : BANK-WISE CAPITAL ADEQUACY RATIO (CRAR) OF
SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
(Per cent)
CRAR (as on March 31)
Basel-I Basel-II
Bank Name 2008 2009 2008 2009
Tier-I Tier-II Total Tier-I Tier-II Total Tier-I Tier-II Total Tier-I Tier-II Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Foreign Banks
197
TABLE B4 :PROVISIONS AND CONTINGENCIES OF SCHEDULED COMMERCIAL BANKS : 2009
State Bank of Bikaner and Jaipur 24912 7343 8814 7870 48939
Nationalised Banks
198
TABLE B4 :PROVISIONS AND CONTINGENCIES OF SCHEDULED COMMERCIAL BANKS : 2009 (Contd.)
Foreign Banks
Sonali Bank 89 - - 2 91
199
TABLE B4 :PROVISIONS AND CONTINGENCIES OF SCHEDULED COMMERCIAL BANKS : 2009 (Concld.)
200
TABLE B5 : CONTINGENT LIABILITIES OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009
201
TABLE B5 : CONTINGENT LIABILITIES OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
202
TABLE B5 : CONTINGENT LIABILITIES OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
Foreign Banks
AB Bank - - 69 54 - -
ABN Amro Bank 68428928 38375784 361357 372161 46462 134982
Abu Dhabi Commercial Bank 15553 18129 976 859 1401 2009
American Express Banking Corp. # - - -
Antwerp Diamond Bank 37731 63904 100 100 - -
Bank Internasional Indonesia 3597 - - - - -
Bank of America 58202949 36593193 76822 140391 - -
Bank of Bahrain & Kuwait 22722 41427 2599 4685 - -
Bank of Ceylon 3159 9685 408 421 - -
Bank of Nova Scotia 1373002 1212873 56311 74064 2377 8240
Bank of Tokyo-Mitsubishi UFJ 186197 372177 46575 43972 - -
Barclays Bank 104275468 62436073 55280 87525 16234 42692
BNP Paribas 15646919 25680012 252572 274969 - -
Calyon Bank 67334435 33766842 35411 51130 94570 159562
Chinatrust Commercial Bank 3037 1375 1351 2495 - -
Citibank 94035359 61750996 548897 710558 191164 126627
DBS Bank 11375627 14623294 130478 257665 - -
Deutsche Bank 52156696 38175826 158366 193495 275861 376559
Hong Kong & Shanghai Banking Corporation 129664827 79122535 669420 728932 167898 194441
J P Morgan Chase Bank 81582681 62234306 41655 53449 - -
JSC VTB Bank # - 250 -
Krung Thai Bank - 27 16 16 - -
Mashreq Bank 2641 1147 7 5 298 2182
Mizuho Corporate Bank 259203 345724 34328 46453 - -
Oman International Bank 24347 24113 330 488 - -
Shinhan Bank 4558 23336 12704 18489 - -
Societe Generale 13198386 7990720 45831 57974 - -
Sonali Bank 570 742 6 6 - -
Standard Chartered Bank 160075182 122984573 800732 1053957 429077 498451
State Bank of Mauritius 15974 22495 453 3742 - -
UBS AG # - - -
Total 857929748 585871308 3333054 4178306 1225341 1545744
Note : $ Includes derivative contracts
: # See ‘Explanatory Notes’.
Source : Annual accounts of banks of respective years.
203
TABLE B5 : CONTINGENT LIABILITIES OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
Foreign Banks
AB Bank 1532 4 - - 1601 57
ABN Amro Bank 253934 149488 3344 8145 69094024 39040561
Abu Dhabi Commercial Bank 79 303 2948 2949 20957 24249
American Express Banking Corp. # - 635 635
Antwerp Diamond Bank - - 51 51 37882 64055
Bank Internasional Indonesia - - - - 3597 -
Bank of America 45670 50040 129244 148367 58454685 36931990
Bank of Bahrain & Kuwait 1564 684 101 77 26987 46873
Bank of Ceylon 1571 1353 - - 5138 11459
Bank of Nova Scotia 24901 20495 1306 491 1457897 1316163
Bank of Tokyo-Mitsubishi UFJ 5713 7649 400293 466562 638778 890360
Barclays Bank 65784 119678 651 833 104413419 62686803
BNP Paribas 87481 97431 49438518 42106697 65425490 68159109
Calyon Bank 20997 27406 72368 71605 67557781 34076545
Chinatrust Commercial Bank 477 792 - - 4865 4662
Citibank 380760 465533 69316698 43673144 164472878 106726858
DBS Bank 80505 58683 22478839 9296280 34065448 24235923
Deutsche Bank 642216 410154 11947794 10021935 65180932 49177968
Hong Kong & Shanghai Banking Corporation 1517935 1262811 373499 162866 132393580 81471585
J P Morgan Chase Bank 2614 18216 - - 81626949 62305970
JSC VTB Bank # - - 250
Krung Thai Bank 90 23 - - 106 66
Mashreq Bank 10815 7258 267 277 14028 10869
Mizuho Corporate Bank 3210 3104 1054 - 297795 395281
Oman International Bank 294 103 3714 3833 28684 28537
Shinhan Bank 607 99 - - 17869 41925
Societe Generale 10182 8776 - 9556 13254399 8067026
Sonali Bank 54 14 - - 630 763
Standard Chartered Bank 874981 1336466 380870 449132 162560843 126322580
State Bank of Mauritius 77 251 703 707 17206 27194
UBS AG # - 398 398
Total 4034043 4046815 154552262 106424542 1021074447 702066714
Note : @ Including (a) claims against the bank not acknowledged as debts and (b) liability for partly paid investments
# See ‘Explanatory Notes’.
Source : Annual accounts of banks of respective years.
204
TABLE B5 : CONTINGENT LIABILITIES OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
Jammu & Kashmir Bank 699614 544346 88729 95270 412 337
SBI Comm. & Intl. Bank 45877 19059 858 319 136 8
All Scheduled Commercial Banks 1087622796 791521098 24993711 34234644 4556859 7471768
205
TABLE B5 : CONTINGENT LIABILITIES OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
Jammu & Kashmir Bank 330522 255370 7165 18769 1126443 914092
SBI Comm. & Intl. Bank 1259 1223 1760 1837 49891 22446
All Scheduled Commercial Banks 31142154 37876040 301543147 196092515 1449858668 1067196066
Note : @ Including (a) claims against the bank not acknowledged as debts and (b) liability for partly paid investments
# See ‘Explanatory Notes’.
Source : Annual accounts of banks of respective years.
206
TABLE B6: MOVEMENT OF NON-PERFORMING ASSETS (NPAs) OF
SCHEDULED COMMERCIAL BANKS - 2007-08 AND 2008-09
State Bank of Bikaner and Jaipur 43731 33602 28300 49033 20909 25294
Nationalised Banks
Punjab and Sind Bank 13553 14187 11636 16104 6697 7803
207
TABLE B6: MOVEMENT OF NON-PERFORMING ASSETS (NPAs) OF
SCHEDULED COMMERCIAL BANKS - 2007-08 AND 2008-09 (Contd.)
Foreign Banks
AB Bank 265 6 0 271 238 191
ABN Amro Bank 29409 124697 69698 84408 17388 36641
Abu Dhabi Commercial Bank 1949 75 611 1413 - -
American Express Banking Corp. # 1274 3250 - 4525 3028
Antwerp Diamond Bank - 2641 - 2641 - -
Bank Internasional Indonesia - - - - - -
Bank of America 70 - - 70 - -
Bank of Bahrain & Kuwait 2536 64 1424 1176 424 25
Bank of Ceylon 1668 6 1197 477 166 -
Bank of Nova Scotia 200 - - 200 - -
Bank of Tokyo-Mitsubishi UFJ 724 151 60 815 113 79
Barclays Bank 5303 100860 1378 104785 3244 48462
BNP Paribas 3376 4137 - 7513 - 3193
Calyon Bank 222 - 132 90 - -
Chinatrust Commercial Bank 130 - 130 - - -
Citibank 79160 251460 150050 180570 47180 105070
DBS Bank 521 3074 152 3443 109 1493
Deutsche Bank 5494 39563 20792 24265 1543 7717
Hong Kong & Shanghai Banking Corporation 69715 238006 153714 154006 17478 39103
J P Morgan Chase Bank 12143 2950 8945 6148 2241 892
JSC VTB Bank # - - - - -
Krung Thai Bank - - - - - -
Mashreq Bank - - - - - -
Mizuho Corporate Bank 658 - 22 636 - -
Oman International Bank - - - - - -
Shinhan Bank - - - - - -
Societe Generale - - - - - -
Sonali Bank 86 53 17 122 - 27
Standard Chartered Bank 72314 71991 38553 105751 34537 51409
State Bank of Mauritius - - - - - -
UBS AG # - - - - -
208
TABLE B6: MOVEMENT OF NON-PERFORMING ASSETS (NPAs) OF
SCHEDULED COMMERCIAL BANKS - 2007-08 AND 2008-09 (Concld.)
Jammu & Kashmir Bank 48523 40189 32785 55927 20344 28782
209
TABLE B7: BANK-WISE GROSS NON-PERFORMING ASSETS, GROSS ADVANCES AND
GROSS NPA RATIO OF SCHEDULED COMMERCIAL BANKS - 2009
Nationalised Banks
Note : Data are provisional. Figures are rounded off. Data pertain to the balance-sheets of banks.
Source : Department of Banking Supervision, RBI.
210
TABLE B7: BANK-WISE GROSS NON-PERFORMING ASSETS, GROSS ADVANCES AND
GROSS NPA RATIO OF SCHEDULED COMMERCIAL BANKS - 2009 (Contd.)
Foreign Banks
UBS AG # - - 0.00
Note : Data are provisional. Figures are rounded off. Data pertain to the balance-sheets of banks.
# See ‘ Explanatory Notes ‘.
Source : Department of Banking Supervision, RBI.
211
TABLE B7: BANK-WISE GROSS NON-PERFORMING ASSETS, GROSS ADVANCES AND
GROSS NPA RATIO OF SCHEDULED COMMERCIAL BANKS - 2009 (Concld.)
Note : Data are provisional. Figures are rounded off. Data pertain to the balance-sheets of banks.
Source : Department of Banking Supervision, RBI.
212
TABLE B8 : APPROPRIATION OF PROFIT OF SCHEDULED COMMERCIAL
BANKS- 2007-08 AND 2008-09
213
TABLE B8 : APPROPRIATION OF PROFIT OF SCHEDULED COMMERCIAL
BANKS- 2007-08 AND 2008-09 (Contd.)
214
TABLE B8 : APPROPRIATION OF PROFIT OF SCHEDULED COMMERCIAL
BANKS- 2007-08 AND 2008-09 (Contd.)
Public Sector Banks 1095766 932439 507366 627848 57769 72352 229499 269852
Note : # See ‘ Explanatory Notes ‘.
215
TABLE B8 : APPROPRIATION OF PROFIT OF SCHEDULED COMMERCIAL
BANKS- 2007-08 AND 2008-09 (Contd.)
Foreign Banks
AB Bank 288 380 257 299 545 679
ABN Amro Bank 28067 1940 119212 139659 147279 141598
Abu Dhabi Commercial Bank 2897 1636 -2239 -67 658 1570
American Express Banking Corp. # -10486 47 -10439
Antwerp Diamond Bank 1071 1557 1682 96 2753 1653
Bank Internasional Indonesia 700 134 -3633 -3074 -2934 -2939
Bank of America 30523 33699 - - 30523 33699
Bank of Bahrain & Kuwait 1922 1741 - - 1922 1741
Bank of Ceylon 376 1976 1369 1632 1745 3608
Bank of Nova Scotia 10127 15287 5693 7660 15820 22947
Bank of Tokyo-Mitsubishi UFJ 8410 6776 3838 6307 12248 13083
Barclays Bank 615 3010 6831 280 7445 3291
BNP Paribas 13072 16997 - - 13072 16997
Calyon Bank 12670 15554 7397 11059 20067 26613
Chinatrust Commercial Bank 334 565 -692 -441 -358 124
Citibank 180426 217308 - - 180426 217308
DBS Bank 6503 25904 5960 10515 12463 36419
Deutsche Bank 38611 43006 15531 31467 54141 74473
Hong Kong & Shanghai Banking Corporation 119230 129128 36365 13774 155595 142902
J P Morgan Chase Bank 24911 44386 8419 18776 33329 63162
JSC VTB Bank # -29 - -29
Krung Thai Bank 198 186 - 149 198 334
Mashreq Bank 911 546 - - 911 546
Mizuho Corporate Bank 2052 4271 1717 3244 3769 7516
Oman International Bank 777 293 -15802 -15254 -15025 -14961
Shinhan Bank 1315 1929 880 - 2195 1929
Societe Generale 4029 3959 - - 4029 3959
Sonali Bank 58 106 98 75 155 181
Standard Chartered Bank 170623 190677 - - 170623 190677
State Bank of Mauritius 512 566 2817 - 3329 566
UBS AG # -1974 - -1974
216
TABLE B8 : APPROPRIATION OF PROFIT OF SCHEDULED COMMERCIAL
BANKS- 2007-08 AND 2008-09 (Contd.)
Foreign Banks
AB Bank 56 95 - - - - - -
ABN Amro Bank 7017 485 - - - - - -
Abu Dhabi Commercial Bank 724 409 - - - - - -
American Express Banking Corp. # - - - -
Antwerp Diamond Bank 268 389 - - - - - -
Bank Internasional Indonesia 175 19 - - -35 - - -
Bank of America 7631 8425 - - 4765 5420 - -
Bank of Bahrain & Kuwait 402 435 313 - - - - -
Bank of Ceylon 113 593 - - - - - -
Bank of Nova Scotia 2532 3822 - - 4 - - -
Bank of Tokyo-Mitsubishi UFJ 2102 1694 - - - - - -
Barclays Bank 154 753 181 - - - - -
BNP Paribas 3268 4249 - - - - - -
Calyon Bank 3167 3888 - - - 1185 - -
Chinatrust Commercial Bank 84 141 - - - - - -
Citibank 45107 54327 2815 601 1142 4701 - -
DBS Bank 1626 6476 - 10033 322 850 - -
Deutsche Bank 9653 10752 - - 106 - - -
Hong Kong & Shanghai Banking Corpn. 29807 32282 111613 13774 - 3357 - -
J P Morgan Chase Bank 6228 11096 8325 17902 - - - -
JSC VTB Bank # - - - -
Krung Thai Bank 50 46 - - - - - -
Mashreq Bank 228 136 - - - - - -
Mizuho Corporate Bank 513 1068 - - - - - -
Oman International Bank 194 73 - - 34 92 - -
Shinhan Bank 1315 1929 - - - - - -
Societe Generale 1007 990 - - - 467 - -
Sonali Bank 14 27 - - - - - -
Standard Chartered Bank 42656 47669 - - - - - -
State Bank of Mauritius 128 141 - - - - - -
UBS AG # - - - -
Total : 166216 192410 123247 42310 6339 16072 - -
Note : # See ‘ Explanatory Notes ‘.
217
TABLE B8 : APPROPRIATION OF PROFIT OF SCHEDULED COMMERCIAL
BANKS- 2007-08 AND 2008-09 (Contd.)
Foreign Banks
AB Bank 190 200 - - - - 299 384
ABN Amro Bank 604 - - - - - 139659 141113
Abu Dhabi Commercial Bank - 1161 - - - - -67 -
American Express Banking Corp. # - - - -10439
Antwerp Diamond Bank 2389 - - - - - 96 1264
Bank Internasional Indonesia - - - - - - -3074 -2958
Bank of America 18127 19854 - - - - - -
Bank of Bahrain & Kuwait - - - - - - 1206 1306
Bank of Ceylon - - - - - - 1632 3015
Bank of Nova Scotia 5623 - - - - - 7660 19125
Bank of Tokyo-Mitsubishi UFJ 3838 - - - - - 6307 11389
Barclays Bank 6831 - - - - - 280 2538
BNP Paribas 9804 12748 - - - - - -
Calyon Bank 5840 19980 - - - - 11059 1559
Chinatrust Commercial Bank - - - - - - -441 -17
Citibank 131362 157678 - - - - - -
DBS Bank - - - - - - 10515 19060
Deutsche Bank 12916 28531 - - - - 31467 35191
Hong Kong & Shanghai Banking Corpn. 400 844 - - - - 13774 92645
J P Morgan Chase Bank - - - - - - 18776 34164
JSC VTB Bank # - - - -29
Krung Thai Bank - 149 - - - - 149 139
Mashreq Bank - 15 - - - - 684 394
Mizuho Corporate Bank 12 - - - - - 3244 6448
Oman International Bank - - - - - - -15254 -15126
Shinhan Bank - - - - - - 880 0
Societe Generale - - - - - - 3022 2502
Sonali Bank 66 41 - - - - 75 113
Standard Chartered Bank 106491 93008 - - - - 21477 50000
State Bank of Mauritius - - - - - - 3201 424
UBS AG # - - - -1974
Total : 304492 334209 - - - - 256628 392229
Note : # See ‘ Explanatory Notes ‘.
218
TABLE B8 : APPROPRIATION OF PROFIT OF SCHEDULED COMMERCIAL
BANKS- 2007-08 AND 2008-09 (Contd.)
SBI Comm. & Intl. Bank 1285 1107 -1415 -452 -130 655
All Scheduled Commercial Banks 4272587 5277145 1008670 1225287 5281257 6502432
Note : # See ‘ Explanatory Notes ‘.
Source : Annual accounts of banks of respective years.
219
TABLE B8 : APPROPRIATION OF PROFIT OF SCHEDULED COMMERCIAL
BANKS- 2007-08 AND 2008-09 (Contd.)
All Scheduled Commercial Banks 1457439 1660475 204746 736401 22163 45819 - -
220
TABLE B8 : APPROPRIATION OF PROFIT OF SCHEDULED COMMERCIAL
BANKS- 2007-08 AND 2008-09 (Concld.)
City Union Bank 4948 4000 1600 2400 272 408 487 501
Federal Bank 14974 23825 6841 8552 1163 1454 1462 2193
HDFC Bank 15902 22449 30133 42597 5120 7229 257463 345557
ICICI Bank 17531 25042 122834 122516 14903 15121 243632 280965
ING Vysya Bank 670 1000 1537 2052 261 349 10353 20653
Jammu & Kashmir Bank 18209 21160 7514 8197 1277 1393 - -
Karur Vysya Bank 6475 4900 6474 6474 1100 1100 110 145
Kotak Mahindra Bank 1470 1381 2587 2596 440 186 52817 64894
South Indian Bank 8100 10000 2712 3390 461 576 908 1467
All Scheduled Commercial Banks 1504516 1398367 727685 885890 84891 103051 1279817 1672428
221
TABLE B9 : EXPOSURE TO SENSITIVE SECTORS OF SCHEDULED
COMMERCIAL BANKS - 2008 AND 2009
(Amount in Rs. lakh)
As on March 31
Capital Market Real Estate Commodity
Total
Name of the Bank Sector Sector Sector
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
State Bank of Bikaner and Jaipur 25068 23263 372709 423680 - - 397777 446943
Nationalised Banks
Punjab and Sind Bank 10310 5880 341632 412981 - - 351942 418861
222
TABLE B9 : EXPOSURE TO SENSITIVE SECTORS OF SCHEDULED
COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
(Amount in Rs. lakh)
As on March 31
Capital Market Real Estate Commodity
Total
Name of the Bank Sector Sector Sector
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Foreign Banks
AB Bank - - - - - - - -
ABN Amro Bank 68479 36351 329836 252781 - - 398315 289132
Abu Dhabi Commercial Bank 597 1078 150 1545 - - 746 2623
American Express Banking Corp. # - - - -
Antwerp Diamond Bank - - - - - - - -
Bank Internasional Indonesia - - - -
Bank of America 3506 6 21243 84374 - - 24749 84380
Bank of Bahrain & Kuwait - - 1208 1518 - - 1208 1518
Bank of Ceylon - - 429 856 - - 429 856
Bank of Nova Scotia 305 - 37886 42500 - - 38191 42500
Bank of Tokyo-Mitsubishi UFJ - - 275 - - - 275 -
Barclays Bank 30736 20158 25856 112909 - - 56592 133067
BNP Paribas 6992 6890 36349 27840 - - 43341 34730
Calyon Bank - - - - - - - -
Chinatrust Commercial Bank - - 2389 1578 - - 2389 1578
Citibank 111440 214020 940270 1489760 - - 1051710 1703780
DBS Bank - - 50726 56246 10053 - 60779 56246
Deutsche Bank 27346 24631 99685 250049 - - 127031 274678
Hong Kong & Shanghai
Banking Corpn. 144518 146127 1203559 1061443 - - 1348077 1207569
J P Morgan Chase Bank - - 19380 - - - 19380 -
JSC VTB Bank # - - - -
Krung Thai Bank - - - - - - - -
Mashreq Bank - - 19 118 - - 19 117
Mizuho Corporate Bank - - 5072 77 - - 5072 77
Oman International Bank - - 107 157 - - 106 156
Shinhan Bank - - 4682 5445 - - 4681 5445
Societe Generale 4167 4047 6440 5667 - - 10607 9714
Sonali Bank - - - - - - - -
Standard Chartered Bank 138742 149458 944676 1041760 - - 1083418 1191217
State Bank of Mauritius - - 2860 3835 - - 2860 3835
UBS AG # - - - -
223
TABLE B9 : EXPOSURE TO SENSITIVE SECTORS OF SCHEDULED
COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
(Amount in Rs. lakh)
As on March 31
Capital Market Real Estate Commodity
Total
Name of the Bank Sector Sector Sector
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Jammu & Kashmir Bank 53965 40353 262681 256477 80928 89749 397574 386579
SBI Comm. & Intl. Bank 477 464 895 1022 - - 1371 1485
224
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of State Bank of State Bank of
Items India Bikaner and Jaipur Hyderabad Indore
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
c) 29 days to 3 months 2298365 3785331 336728 355515 589310 239398 294800 215400
d) Over 3 months to 6 months 2587169 5662741 170439 367828 570975 645281 204500 326300
e) Over 6 months to one year 3652564 8611419 1037837 704213 1163495 628849 346000 398700
f) Over one year to 3 years 11849571 18190961 734220 1305144 961714 2100285 879800 981900
g) Over 3 years to 5 years 9335776 10286477 483320 477088 705842 43776 35100 14700
h) Over 5 years 16746548 17842051 417950 515047 412814 2248120 546100 765900
d) Over 3 months to 6 months 414276 852360 12437 35072 - 55011 3900 8000
e) Over 6 months to one year 713049 438483 - 9000 - 10019 5500 6700
Loans and Advances 41676820 54250320 2507594 2985071 3508832 4328558 1822400 2161200
c) 29 days to 3 months 1296663 3329925 145150 110689 137533 120755 135300 159400
d) Over 3 months to 6 months 1138072 2662089 86547 162094 146329 117292 94600 96500
e) Over 6 months to one year 1529844 1945219 233301 234877 184851 177934 194100 189500
f) Over one year to 3 years 16890779 24070690 1302236 1618020 585092 2049495 928800 1144100
g) Over 3 years to 5 years 4321208 4227620 237568 292278 744042 376155 185700 191700
h) Over 5 years 7422611 8490005 313574 386193 1021994 554492 212100 280600
225
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of State Bank of State Bank of
Items India Bikaner and Jaipur Hyderabad Indore
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Investments(at book value) 18950127 27595395 1049836 1099879 1592814 2088680 768100 805100
c) 29 days to 3 months 372936 2173342 62737 26311 126476 152932 47500 32300
d) Over 3 months to 6 months 520898 784899 92732 96777 79136 113354 24800 3500
e) Over 6 months to one year 627424 677718 33212 62583 43072 66788 21300 33500
f) Over one year to 3 years 3845591 3223861 240590 210879 321676 289816 156000 77500
g) Over 3 years to 5 years 3388813 6033176 148145 132568 224045 288043 114000 140100
h) Over 5 years 10053565 12450450 435345 519665 713336 1002651 394300 448400
Foreign Currency Assets 7933134 13195666 103461 59305 89566 41073 64400 62600
c) 29 days to 3 months 428554 2985555 19086 1751 30856 115 13400 9000
d) Over 3 months to 6 months 412029 1910941 7005 2810 23167 16364 3300 2500
e) Over 6 months to one year 440649 594345 382 - 1843 9768 1600 600
f) Over one year to 3 years 803406 1773269 685 - 6252 5094 500 -
g) Over 3 years to 5 years 786181 1166361 1174 - 3324 4383 7400 9300
Foreign Currency Liabilities 7855024 11138439 78625 50438 106351 73550 64400 62600
c) 29 days to 3 months 1757848 1470428 5995 5223 19662 34563 8100 23000
d) Over 3 months to 6 months 751362 1530309 14153 7015 30369 2917 300 2100
e) Over 6 months to one year 1343140 1483134 2360 2273 8130 5004 700 2900
f) Over one year to 3 years 1162858 1787841 2430 2402 5428 3429 18600 1800
226
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of State Bank of State Bank of
Items Mysore Patiala Saurashtra # Travancore
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
d) Over 3 months to 6 months 134697 289341 992181 1569000 147384 355469 273114
e) Over 6 months to one year 525544 474546 917925 1296100 181939 684023 670438
f) Over one year to 3 years 682955 881035 1277073 2062100 775338 871887 824368
g) Over 3 years to 5 years 466747 535776 422848 47700 158863 649304 946965
d) Over 3 months to 6 months 18701 99392 11155 13100 9706 116711 6383
e) Over 6 months to one year 75024 36005 54794 13100 - 98549 7446
f) Over one year to 3 years 1568 19763 48239 37300 - 27903 64674
Loans and Advances 2102715 2561605 3562053 4301300 1224134 2813662 3271093
d) Over 3 months to 6 months 109564 160510 213168 644300 68741 364558 414017
e) Over 6 months to one year 213205 295363 716637 697000 109932 905332 615311
f) Over one year to 3 years 948281 1140570 537440 891700 591002 267727 504943
g) Over 3 years to 5 years 260674 299049 634369 493300 114197 246893 239075
227
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of State Bank of State Bank of
Items Mysore Patiala Saurashtra # Travancore
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Investments(at book value) 840276 1137796 1447333 1702900 598488 1135295 1323170
d) Over 3 months to 6 months 37770 66927 85643 107000 48202 40615 8838
e) Over 6 months to one year 120374 140547 60385 231500 108726 9316 46471
f) Over one year to 3 years 167752 212652 294263 202600 185228 264749 275553
g) Over 3 years to 5 years 111514 131298 219065 188600 42237 279912 211880
Foreign Currency Assets 70423 78237 89400 87300 83045 202164 129787
d) Over 3 months to 6 months 13323 8340 4327 6800 20154 8758 5239
f) Over one year to 3 years 10969 12680 1202 12100 401 44358 16164
g) Over 3 years to 5 years 732 418 11930 5800 297 7660 12648
Foreign Currency Liabilities 59095 41733 114173 65600 83045 202164 129787
d) Over 3 months to 6 months 11041 6744 6715 17600 6114 19582 19115
e) Over 6 months to one year 5455 6454 9462 24300 12502 52887 42003
f) Over one year to 3 years 2898 3505 19295 9100 14465 45224 37372
h) Over 5 years 8 - - - - - -
228
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Allahabad Andhra Bank of Bank of
Items Bank Bank Baroda India
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
c) 29 days to 3 months 466332 402731 552698 539532 2023059 2216557 1445889 1676936
d) Over 3 months to 6 months 636952 1004096 743961 1067718 1903614 2890031 1465344 3171793
e) Over 6 months to one year 1788604 1290678 1127578 1338946 3139862 4328911 1327460 2066641
f) Over one year to 3 years 1402120 3655481 2058890 2483982 2833833 3726538 2306179 2580546
g) Over 3 years to 5 years 953306 656623 135373 98030 502618 650650 1325258 1613092
h) Over 5 years 1571528 886497 73927 90135 2696491 3252751 3926617 4791539
d) Over 3 months to 6 months - 12154 8769 7626 11036 247645 56956 101117
e) Over 6 months to one year - 31393 1852 13806 6240 21003 109077 28855
f) Over one year to 3 years 600 1800 4918 97397 90615 179217 255854 461997
g) Over 3 years to 5 years 800 1200 616 12213 6752 846 4920 4526
Loans and Advances 4972047 5880176 3423839 4413929 10670132 14398590 11347633 14290938
c) 29 days to 3 months 499492 460216 556027 520144 1367785 2289377 1824715 2290719
d) Over 3 months to 6 months 486333 520917 293792 309650 1208454 1733094 1113998 1494946
e) Over 6 months to one year 369743 318352 315795 473863 1198249 1770917 981153 1075738
f) Over one year to 3 years 1651390 1851348 1260399 1779202 1920788 3701003 1502074 2028825
g) Over 3 years to 5 years 576346 627342 411631 486521 1370725 1598025 1186417 1422546
h) Over 5 years 1129690 1472536 340356 651159 1924389 2262666 2533433 3435663
229
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Allahabad Andhra Bank of Bank of
Items Bank Bank Baroda India
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Investments(at book value) 2340025 2965105 1489824 1691111 4387007 5244587 4180288 5260719
c) 29 days to 3 months 26952 65528 48388 78356 112831 180239 230058 204589
d) Over 3 months to 6 months 109919 116230 46170 62973 363463 242492 235056 90625
e) Over 6 months to one year 259244 202332 17779 62554 114898 526379 98486 194552
f) Over one year to 3 years 275977 226288 182871 244440 873056 819854 578280 682670
g) Over 3 years to 5 years 321055 398787 248194 182567 593080 652373 485775 589291
h) Over 5 years 1268436 1330737 900478 952596 2169969 2685663 2510797 3384424
Foreign Currency Assets 32868 128866 93559 38007 4496111 5855649 731447 840194
c) 29 days to 3 months 2111 36236 37438 8525 782210 1248853 162995 73033
d) Over 3 months to 6 months 6480 29760 26375 11139 588560 788775 111483 23875
e) Over 6 months to one year 734 20365 - - 401388 686076 24152 11663
Foreign Currency Liabilities 32868 126927 73687 69366 4679897 6152947 612113 1005050
c) 29 days to 3 months 5246 27006 45366 1687 944052 1090451 54282 372509
d) Over 3 months to 6 months 3219 37303 8571 2196 656185 922003 114541 141730
e) Over 6 months to one year 3151 23982 10430 12324 479725 765872 118670 131099
f) Over one year to 3 years 3145 1321 2271 44483 299513 713739 96925 99523
g) Over 3 years to 5 years 1141 205 365 370 344466 605111 35747 18085
230
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Bank of Canara Central Bank of Corporation
Items Maharashtra Bank India Bank
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
c) 29 days to 3 months 406320 526943 1058900 854364 671735 850315 731286 409292
d) Over 3 months to 6 months 317702 589112 1158600 2176942 529161 452559 355739 1299325
e) Over 6 months to one year 379860 958342 3100400 3941797 1880041 2087330 974171 1640799
f) Over one year to 3 years 2387782 2557850 1582400 2770627 3910559 5714489 2258180 810860
g) Over 3 years to 5 years 260924 205434 3490200 3575880 1866095 1408879 152312 1515602
h) Over 5 years 134899 97362 3527600 3519448 1545694 1318249 493885 1057185
d) Over 3 months to 6 months 1934 1841 49363 111632 971 3242 97496 65998
e) Over 6 months to one year 1699 7992 59909 54278 797 220 38517 1166
f) Over one year to 3 years 3742 1042 21869 44399 1969 465 512 27684
Loans and Advances 2928581 3429077 10723800 13821940 7233871 4306071 3918557 4851216
c) 29 days to 3 months 297217 168397 1121200 1728199 437039 55373 631698 878564
d) Over 3 months to 6 months 349425 199410 680600 763407 727812 57727 403493 484003
e) Over 6 months to one year 325676 307348 1626700 2168752 744570 79875 416946 744309
f) Over one year to 3 years 1007518 1672621 2633300 2884371 3287869 523705 1102021 1187837
g) Over 3 years to 5 years 391685 413731 1129800 1405560 769698 646043 398552 456407
h) Over 5 years 298101 324838 2297900 3093365 760368 2433852 337658 331208
231
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Bank of Canara Central Bank of Corporation
Items Maharashtra Bank India Bank
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Investments(at book value) 1228295 1838214 4981157 5777690 3145519 8480040 1651239 2493777
c) 29 days to 3 months 26425 63607 412334 231848 58946 630899 237813 174112
d) Over 3 months to 6 months 30398 34683 313875 331783 60826 761445 140826 425468
e) Over 6 months to one year 28796 25039 104710 215148 62472 661941 277104 461482
f) Over one year to 3 years 133811 139767 896406 784357 585765 3412795 593800 262211
g) Over 3 years to 5 years 214444 243347 789009 833930 495045 836263 31139 408776
h) Over 5 years 728486 1004552 2314628 3051047 1770144 898235 176174 599522
Foreign Currency Assets 45829 49356 876000 1442359 75283 118750 295441 678995
c) 29 days to 3 months 24378 21977 307000 126563 19129 9687 73583 138536
d) Over 3 months to 6 months 11635 10343 117100 147388 35081 49439 85246 89972
e) Over 6 months to one year 201 50 18700 58046 7318 1256 24693 2548
Foreign Currency Liabilities 39476 42505 1096500 1469744 76629 130474 295441 174806
c) 29 days to 3 months 7597 11424 174700 154261 4637 4697 33516 30205
d) Over 3 months to 6 months 4036 4436 133300 151596 7518 6707 120503 47204
e) Over 6 months to one year 9367 10509 355200 156487 22702 18882 78523 51418
f) Over one year to 3 years 8878 5640 88700 175971 19679 27319 28194 27571
g) Over 3 years to 5 years 159 158 4700 3219 933 4680 4078 1703
232
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Dena IDBI Indian Indian Overseas
Items Bank Bank Ltd. Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
c) 29 days to 3 months 206414 349335 814920 1208527 611870 557559 917637 840039
d) Over 3 months to 6 months 304043 356179 919917 1645653 534118 982372 1004769 1258330
e) Over 6 months to one year 605817 747752 2749356 3994818 1224894 1629566 1200142 1315530
f) Over one year to 3 years 1843778 2428845 1767983 2638595 2313895 2574067 3737125 4950161
g) Over 3 years to 5 years 176159 108210 333294 337631 112092 84186 279865 200247
h) Over 5 years 65364 57527 74283 232813 740302 871562 232081 363670
Loans and Advances 2302398 2887796 7813789 10342800 3983873 5146528 5831085 7580954
c) 29 days to 3 months 156728 189319 596897 596100 560749 573394 243380 807888
d) Over 3 months to 6 months 167368 212415 749808 705300 140677 326993 215661 403869
e) Over 6 months to one year 142864 405401 1027407 1239100 502515 559375 852626 731608
f) Over one year to 3 years 962265 1057810 1922590 3227000 1313742 1728775 3193710 2922507
g) Over 3 years to 5 years 221504 259712 880112 1281200 348902 673424 579820 720761
h) Over 5 years 292887 508384 2360562 2511500 525941 820135 47892 1085894
233
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Dena IDBI Indian Indian Overseas
Items Bank Bank Ltd. Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
Investments(at book value) 1028298 1247307 3280293 5005000 2191507 2280057 2717460 3155365
c) 29 days to 3 months 5401 30680 16771 165800 180308 170799 226477 97238
d) Over 3 months to 6 months 8628 21588 21900 112000 161986 217675 279369 137041
e) Over 6 months to one year 13473 47314 167544 164700 301505 458458 351474 91932
f) Over one year to 3 years 132178 109905 383404 274200 634308 680199 949369 494871
g) Over 3 years to 5 years 180916 247375 342979 464900 92025 87401 107285 446254
h) Over 5 years 667096 748416 2055070 3170100 637715 415528 506050 1799481
Foreign Currency Assets 121950 120714 783596 424778 378186 460696 211636 308029
c) 29 days to 3 months 36703 23532 167162 104154 43121 111027 42579 123376
d) Over 3 months to 6 months 44088 20312 62201 82610 39349 47531 85313 85535
e) Over 6 months to one year 3032 741 274171 30947 7090 45252 4652 1522
f) Over one year to 3 years 4042 2137 98009 77328 43829 72230 4812 28200
Foreign Currency Liabilities 81434 59372 688237 487972 333455 425238 266790 379946
c) 29 days to 3 months 28138 2534 111361 97184 95230 94745 18826 20757
d) Over 3 months to 6 months 3533 5082 40167 70652 33700 74818 28056 26484
e) Over 6 months to one year 10639 18654 329217 172936 49370 76762 43293 57990
f) Over one year to 3 years 20527 18648 140966 126453 58511 76844 61057 204620
g) Over 3 years to 5 years 853 2797 2609 1955 2024 1486 81114 893
234
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Oriental Bank of Punjab and Sind Punjab National Syndicate
Items Commerce Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
c) 29 days to 3 months 1206567 802451 194230 509520 972979 1027585 771100 979059
d) Over 3 months to 6 months 1367356 2004269 288229 346245 603164 2094720 1149300 1574368
e) Over 6 months to one year 1864759 3270101 408097 766478 2545466 2669326 2045700 2727460
f) Over one year to 3 years 1230431 1916343 669789 645254 7325388 8706810 3081700 3510770
g) Over 3 years to 5 years 666729 290374 249508 200472 398581 223764 360200 325862
h) Over 5 years 319988 641158 477572 590122 3644251 4852111 1098100 1284727
d) Over 3 months to 6 months - 3309 3221 1220 59703 139293 15200 14172
e) Over 6 months to one year 20062 2802 1215 1215 24255 5416 48900 88465
f) Over one year to 3 years - 48232 3651 1215 44213 97688 33000 100188
Loans and Advances 5456583 6906442 1834330 2461535 11950157 15470299 6405100 8153226
c) 29 days to 3 months 473430 632389 387750 471684 676140 919665 454300 510775
d) Over 3 months to 6 months 440392 698804 157544 287598 589985 910017 261300 595826
e) Over 6 months to one year 649312 873332 150435 255562 1131024 1982642 612000 931654
f) Over one year to 3 years 1432633 1419238 418158 563261 5459730 6458598 2280700 2929843
g) Over 3 years to 5 years 801301 809722 138407 306572 1388911 1875476 715700 806768
h) Over 5 years 1038174 1268842 326984 348989 1551214 1666458 1005200 1053070
235
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
Oriental Bank of Punjab and Sind Punjab National Syndicate
Items Commerce Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
Investments(at book value) 2395068 2848895 847363 1262743 5491191 6376065 2807600 3053723
c) 29 days to 3 months 270755 50663 24090 66679 122704 203716 65300 52891
d) Over 3 months to 6 months 324287 40533 22943 58804 164869 225252 33800 30728
e) Over 6 months to one year 406625 21471 18511 17232 272024 245011 26700 140405
f) Over one year to 3 years 327197 455937 81292 139551 868687 711931 302500 196664
g) Over 3 years to 5 years 232955 514849 108019 120454 881948 1127397 298700 404954
h) Over 5 years 229886 1643384 553728 814999 3066273 3664115 1949400 2165008
Foreign Currency Assets 518300 183402 46490 68560 398006 853644 729200 943427
c) 29 days to 3 months 220300 21020 13946 28988 81473 142733 151300 174976
d) Over 3 months to 6 months 140700 12322 13197 13018 124207 245933 56200 97401
e) Over 6 months to one year 45800 891 - 370 23013 106497 23900 30440
Foreign Currency Liabilities 543000 171513 45988 31551 239051 802326 557000 844604
c) 29 days to 3 months 309000 8466 2631 3235 20486 299764 149500 159426
d) Over 3 months to 6 months 111000 5807 5905 3955 85475 177214 69300 125887
e) Over 6 months to one year 46200 18423 12657 11650 59212 121155 79000 62785
f) Over one year to 3 years 2000 4581 4323 4130 24471 37191 2800 53392
g) Over 3 years to 5 years 400 217 53 159 2503 3061 300 150
236
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
UCO Union Bank of United Bank of Vijaya
Items Bank India India Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
c) 29 days to 3 months 855942 831003 818334 1002907 241443 376036 442928 578130
d) Over 3 months to 6 months 775247 1340221 943624 1306622 358693 275614 527296 909245
e) Over 6 months to one year 2359461 3154772 1365300 2790102 1102211 879906 1276900 1684525
f) Over one year to 3 years 1002241 1260434 2119411 2435339 1307827 951105 1728068 1708306
g) Over 3 years to 5 years 291374 293280 598711 689848 659219 504883 130298 78634
h) Over 5 years 1960292 2284073 3825587 4790796 757827 2137602 30053 29779
d) Over 3 months to 6 months 29776 24269 39677 19080 3661 3504 50152 15137
e) Over 6 months to one year 20156 54609 75930 7828 3658 18440 304 268
f) Over one year to 3 years 77390 80288 155843 66898 12834 9025 1005 737
g) Over 3 years to 5 years 28848 28688 4960 1727 4745 3033 511 376
h) Over 5 years 3991 3481 1312 499 8952 7524 390 240
Loans and Advances 5508189 6880386 7434829 9680324 2785810 3539355 3168922 3546812
c) 29 days to 3 months 507732 549142 796011 892562 204219 626538 217782 285015
d) Over 3 months to 6 months 335959 519319 708002 1096331 83876 221346 250676 235168
e) Over 6 months to one year 595232 693613 948341 1685095 217374 311598 294780 344536
f) Over one year to 3 years 632572 871963 2951484 3115456 1107533 1106951 1422459 1635256
g) Over 3 years to 5 years 649981 932406 722759 791938 275924 175868 290000 373061
h) Over 5 years 2114212 2840224 713288 1085316 319665 260438 399751 412114
237
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(Amount in Rs. lakh)
As on March 31
UCO Union Bank of United Bank of Vijaya
Items Bank India India Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
Investments(at book value) 2424962 2938477 3382263 4299714 1851464 1792421 1661732 1738770
c) 29 days to 3 months 363867 221053 105837 41724 159068 119514 37553 49693
d) Over 3 months to 6 months 177741 328140 69699 111321 129756 21884 17004 20548
e) Over 6 months to one year 559528 812631 116298 225678 105659 69525 21415 28870
f) Over one year to 3 years 435341 355404 982693 404008 235811 143910 251749 221409
g) Over 3 years to 5 years 218667 378053 512808 573302 69202 142335 266137 220417
h) Over 5 years 469928 597388 1526603 2883810 1088840 1222340 986390 1089491
Foreign Currency Assets 802030 866998 389786 859359 189291 147692 68895 39344
c) 29 days to 3 months 253335 271573 64511 159605 54268 38392 23662 3684
d) Over 3 months to 6 months 120883 105146 95289 162302 41190 48339 25274 5589
e) Over 6 months to one year 38299 9003 58862 39086 41353 27333 707 846
Foreign Currency Liabilities 720946 868429 469464 392719 189554 159172 68895 39344
c) 29 days to 3 months 150229 205714 52539 20062 57969 46235 9396 1532
d) Over 3 months to 6 months 143242 140165 57730 43905 39998 55740 3682 4011
e) Over 6 months to one year 66673 54079 68460 95831 41037 21763 6365 7330
f) Over one year to 3 years 22402 32314 163749 79736 750 527 4181 4390
238
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
AB Bank ABN Amro Abu Dhabi American Express
Items Bank Commercial Bank Banking Corp. #
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
e) Over 6 months to one year - 751 194822 545538 13543 15102 - 8000
h) Over 5 years - - - - - - - -
Loans and Advances 2603 2861 2038142 1665974 16209 13731 - 69764
d) Over 3 months to 6 months 591 500 103679 259647 6653 4286 - 1690
e) Over 6 months to one year 916 902 117131 102745 345 369 - 4392
g) Over 3 years to 5 years 622 265 72393 35745 469 202 - 3377
239
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
AB Bank ABN Amro Abu Dhabi American Express
Items Bank Commercial Bank Banking Corp. #
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Investments(at book value) 1130 1090 1177742 1081069 16167 19470 - 21339
e) Over 6 months to one year 985 1052 1500 47335 6236 4528 - 1116
Foreign Currency Liabilities 1926 1817 963688 652854 10285 10781 - 4486
240
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Antwerp Diamond Bank Internasional Bank of Bank of Bahrain &
Items Bank Indonesia America Kuwait
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
e) Over 6 months to one year 272 832 - - 2700 2300 13432 15954
h) Over 5 years - - - - - - - -
241
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Antwerp Diamond Bank Internasional Bank of Bank of Bahrain &
Items Bank Indonesia America Kuwait
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Investments(at book value) 17077 21477 483 - 287700 367000 12325 14900
e) Over 6 months to one year 6234 215 - - 5100 300 702 1000
Foreign Currency Assets 47216 66624 3672 - 174500 394900 21148 12798
h) Over 5 years - - - - - - - -
242
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Bank of Bank of Bank of Tokyo- Barclays
Items Ceylon Nova Scotia Mitsubishi UFJ Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
c) 29 days to 3 months 781 1154 70684 82511 35515 40766 277909 181824
d) Over 3 months to 6 months 699 783 3965 10024 2701 13215 73524 166740
e) Over 6 months to one year 1516 1259 3407 5797 2419 10406 139270 143758
f) Over one year to 3 years 3752 3707 12556 17463 55974 68342 42531 127869
Loans and Advances 5656 4530 477381 480529 230707 299132 763553 1055051
c) 29 days to 3 months 728 362 161542 130848 52995 48186 112814 154924
d) Over 3 months to 6 months 872 116 169118 195833 31149 40912 43268 126569
e) Over 6 months to one year 723 187 29423 24655 36429 43566 66417 140953
f) Over one year to 3 years 1287 2759 7864 3158 31744 23231 271848 297998
243
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Bank of Bank of Bank of Tokyo- Barclays
Items Ceylon Nova Scotia Mitsubishi UFJ Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
Investments(at book value) 2970 9569 164441 172615 58873 87511 285664 788311
e) Over 6 months to one year 1410 1542 1221 4769 6508 12080 2561 15083
f) Over one year to 3 years 1434 1196 10748 9300 - - 8522 4218
Foreign Currency Assets 1175 2051 244592 311980 92348 118093 131528 140320
Foreign Currency Liabilities 802 - 243032 308422 95957 120513 165199 397920
e) Over 6 months to one year - - -358 15050 956 1744 74298 101620
f) Over one year to 3 years - - 2759 3883 12094 14896 2478 4986
244
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
BNP Paribas Calyon Bank Chinatrust Citibank
Items Commercial Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
c) 29 days to 3 months 61226 58490 3559 9864 1841 714 594070 529900
d) Over 3 months to 6 months 17315 7176 1661 6082 923 1092 336940 269940
e) Over 6 months to one year 9603 27918 1984 2352 2273 1325 324720 314640
f) Over one year to 3 years 127167 106794 21255 13254 25 115 1973330 2134630
Loans and Advances 377161 370988 181238 176299 12817 14831 3837650 3991990
c) 29 days to 3 months 102770 68683 44610 53850 6661 5428 348510 409100
d) Over 3 months to 6 months 41281 38526 56142 31456 1226 1341 386500 411240
e) Over 6 months to one year 21037 12054 33905 24127 1184 813 245120 264530
f) Over one year to 3 years 77622 48955 10787 21141 1377 692 1614940 1683480
245
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
BNP Paribas Calyon Bank Chinatrust Citibank
Items Commercial Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
Investments(at book value) 269027 356175 146083 403083 4084 1321 1845000 2451940
c) 29 days to 3 months 23460 23041 5605 18993 1048 638 130540 274950
d) Over 3 months to 6 months 6240 7481 1665 1247 1414 485 73420 50670
e) Over 6 months to one year 12269 5343 314 4026 - - 79780 61660
f) Over one year to 3 years 36895 21261 4098 5025 492 - 634270 576890
Foreign Currency Assets 56747 116860 117246 82599 720 1747 2463120 4606840
c) 29 days to 3 months 13955 8574 3120 642 378 146 165010 177440
Foreign Currency Liabilities 113115 113761 293438 270355 2017 13 1882550 4727100
e) Over 6 months to one year 2629 18579 1103 19833 - - 149570 284860
f) Over one year to 3 years 11554 25168 10659 12427 - - 24830 933090
246
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
DBS Deutsche Hong Kong & Shanghai J P Morgan
Items Bank Bank Banking Corporation Chase Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
c) 29 days to 3 months 113615 63522 339026 240490 729366 687511 24225 10154
d) Over 3 months to 6 months 69843 69763 116816 147203 292005 404062 23000 29450
e) Over 6 months to one year 34405 37406 48683 31314 344301 824117 57700 118550
f) Over one year to 3 years 13819 38435 3341 7995 1710774 298621 121872 138968
g) Over 3 years to 5 years 35 288 350 310 8974 1611249 25332 19053
h) Over 5 years - - 12 26 - - - -
h) Over 5 years - - - - - - - -
Loans and Advances 236415 272284 896013 879763 2994439 2758869 105932 70256
c) 29 days to 3 months 54897 71857 154369 131642 213122 277852 51180 4191
d) Over 3 months to 6 months 17300 27191 60455 100221 199254 267257 8100 24131
e) Over 6 months to one year 33515 31337 23921 18460 230262 145958 5084 14109
f) Over one year to 3 years 33996 42252 65227 92450 1208204 317529 34760 10271
247
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
DBS Deutsche Hong Kong & Shanghai J P Morgan
Items Bank Bank Banking Corporation Chase Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
Investments(at book value) 451238 781067 1018485 872114 1928993 3115384 614277 669440
c) 29 days to 3 months 79651 56711 114958 117334 223537 352012 6540 49354
d) Over 3 months to 6 months 80176 34237 35316 54018 68887 421020 14621 16238
e) Over 6 months to one year 17887 415633 22999 120185 125548 841418 80399 20541
f) Over one year to 3 years 6945 173325 29423 76462 1029879 829328 2833 7704
Foreign Currency Assets 199809 170218 213190 594655 848798 1246150 42821 11999
c) 29 days to 3 months 22521 24113 1051 24635 81404 224416 34329 1556
d) Over 3 months to 6 months 12906 11067 25120 20034 76050 200185 2862 905
e) Over 6 months to one year 117502 - 28714 2007 120499 57672 2082 804
Foreign Currency Liabilities 289099 428378 221784 594624 948962 1068601 74775 3981
c) 29 days to 3 months 63845 11424 104649 816 229462 183588 665 670
d) Over 3 months to 6 months 47051 50761 30762 26257 280444 113981 1170 700
e) Over 6 months to one year 9687 717 11088 46712 148244 284365 1731 521
f) Over one year to 3 years 50884 65611 308 373 108649 71741 33973 1454
h) Over 5 years - - - - - - - -
248
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
JSC VTB Krung Thai Mashreq Bank Mizuho Corporate
Items Bank # Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46) (47) (48)
f) Over one year to 3 years 176 1255 1577 2402 1599 18021 29033
h) Over 5 years - - - - - - -
a) 1 - 14 days - - - - - 10801 -
h) Over 5 years - - - - - - -
Loans and Advances 965 891 927 4083 976 85670 111914
249
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
JSC VTB Krung Thai Mashreq Bank Mizuho Corporate
Items Bank # Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46) (47) (48)
Foreign Currency Assets 145 1064 1222 5397 2643 10597 51531
h) Over 5 years - - - - - - -
Foreign Currency Liabilities 145 1060 1159 2500 1478 16928 21987
h) Over 5 years - - - - - - -
250
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Oman International Shinhan Societe Generale Sonali Bank
Items Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(49) (50) (51) (52) (53) (54) (55) (56)
e) Over 6 months to one year 2949 3467 954 3564 50284 25274 132 45
f) Over one year to 3 years 6195 6715 11477 13893 570 3456 1771 3434
b) 15 - 28 days - - 4707 - - - - -
h) Over 5 years - - - - - - - -
Loans and Advances 148 191 31385 45760 38455 36584 765 1066
251
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Oman International Shinhan Societe Generale Sonali Bank
Items Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(49) (50) (51) (52) (53) (54) (55) (56)
Investments(at book value) 9319 9377 31961 49013 251649 153976 534 546
f) Over one year to 3 years 1050 1606 1978 988 131104 567 222 71
Foreign Currency Assets 187 609 4548 15744 7683 11309 1066 2661
h) Over 5 years - - - - - - - -
Foreign Currency Liabilities 8148 8069 6675 1707 69259 56363 1029 2718
h) Over 5 years - - - - - - - -
252
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Standard Chartered State Bank of UBS AG
Items Bank Mauritius
2008 2009 2008 2009 2008 2009
(57) (58) (59) (60) (61) (62)
h) Over 5 years - - - - -
253
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(Amount in Rs. lakh)
As on March 31
Standard Chartered State Bank of UBS AG
Items Bank Mauritius
2008 2009 2008 2009 2008 2009
(57) (58) (59) (60) (61) (62)
254
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Axis Bank of Catholic Syrian Centurion Bank
Items Bank Rajasthan Bank of Punjab #
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
d) Over 3 months to 6 months 1080956 1788498 83030 89063 29065 19492 303303
e) Over 6 months to one year 1777558 1971644 113236 149621 60432 61335 345398
f) Over one year to 3 years 1622892 1906798 431616 465687 207138 209296 690782
g) Over 3 years to 5 years 79014 41492 191786 230604 10191 46621 15440
Loans and Advances 5966114 8155677 743388 778074 331356 368384 1618187
d) Over 3 months to 6 months 270954 310511 62720 24711 20319 21358 111177
e) Over 6 months to one year 621847 781928 127348 105848 60695 60359 143259
f) Over one year to 3 years 769898 1474819 228097 297291 138574 147457 750333
g) Over 3 years to 5 years 894438 1121496 77654 67578 34044 31163 107214
255
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Axis Bank of Catholic Syrian Centurion Bank
Items Bank Rajasthan Bank of Punjab #
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Investments(at book value) 3370510 4633035 472920 680915 181656 218270 694522
d) Over 3 months to 6 months 315722 456447 23915 31278 3328 2173 81530
e) Over 6 months to one year 491326 545327 27409 1646 534 613 88847
f) Over one year to 3 years 517620 674569 33930 34698 2022 4978 186147
g) Over 3 years to 5 years 225481 399064 63122 92764 12949 17579 36347
Foreign Currency Assets 783490 1872499 6192 12037 19894 19457 24944
Foreign Currency Liabilities 711244 1181299 4229 1053 13558 13379 66184
d) Over 3 months to 6 months 66588 136301 629 143 2828 2128 36647
e) Over 6 months to one year 108603 60143 835 337 4301 3297 9727
f) Over one year to 3 years 261744 197421 382 202 3496 5239 4080
256
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
City Union Development Credit Dhanalakshmi Federal
Items Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
c) 29 days to 3 months 67576 40875 112483 60445 33550 45426 329455 334440
d) Over 3 months to 6 months 57253 34270 60258 60799 43529 87247 544368 470287
e) Over 6 months to one year 131283 99772 151697 115518 59339 104523 528135 876456
f) Over one year to 3 years 297463 590285 175654 149065 153927 169967 924747 1293021
g) Over 3 years to 5 years 20453 29924 6271 4667 10622 8002 91457 77223
h) Over 5 years 2652 2334 574 1724 1949 1934 12255 15869
b) 15 - 28 days - - - - - - - -
Loans and Advances 453706 558414 406880 327402 210203 319606 1890466 2239188
c) 29 days to 3 months 8667 10496 50595 35051 16652 26311 127295 192576
d) Over 3 months to 6 months 2101 1129 45234 37253 9945 14616 110724 122217
e) Over 6 months to one year 885 1471 74056 41022 20702 29001 189956 215210
f) Over one year to 3 years 275019 358633 149720 137390 72062 133846 906420 1050153
g) Over 3 years to 5 years 51826 62765 17206 24575 32954 29036 180782 217085
h) Over 5 years 89265 109103 19774 18692 34459 58947 143856 182169
257
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
City Union Development Credit Dhanalakshmi Federal
Items Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Investments(at book value) 171795 238642 213456 162173 107505 156736 1002659 1211897
c) 29 days to 3 months 5260 3639 44475 24172 17302 31874 61296 230532
d) Over 3 months to 6 months 4378 1531 27143 12137 11101 9014 80104 78095
e) Over 6 months to one year 39 2039 29569 5536 7380 13524 8719 39591
f) Over one year to 3 years 14110 11640 31806 40125 2389 1618 111934 81859
g) Over 3 years to 5 years 21265 26182 31213 30056 11309 3463 78177 123035
h) Over 5 years 123278 183098 33370 25195 54965 45705 600708 597478
Foreign Currency Assets 181865 183382 1397 1346 5667 4451 76197 73322
Foreign Currency Liabilities 183833 184010 13796 8281 4451 4562 92290 102616
c) 29 days to 3 months 33892 58428 6206 5783 472 568 9919 10203
d) Over 3 months to 6 months 57183 74209 4364 130 750 743 14540 14862
e) Over 6 months to one year - 35608 1973 492 1860 1650 30803 31893
f) Over one year to 3 years - 201 108 156 643 611 25609 29187
258
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
HDFC ICICI IndusInd ING Vysya
Items Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
c) 29 days to 3 months 667295 697016 3773156 3814877 269921 247816 437261 384570
d) Over 3 months to 6 months 848220 747167 3534526 3560888 136921 175545 185298 346453
e) Over 6 months to one year 779626 1128243 5965999 4583137 199582 237402 241873 565227
f) Over one year to 3 years 5662485 8155394 8121194 7316230 668541 817524 222619 222729
g) Over 3 years to 5 years 576824 1486906 340473 143684 246872 274742 149937 185536
h) Over 5 years 293162 806670 152553 15942 237079 271997 252426 147797
d) Over 3 months to 6 months 79543 85955 987821 589998 31487 7636 69600 145281
e) Over 6 months to one year 22105 - 1128474 766482 2147 12780 226 57159
f) Over one year to 3 years 1998 1473 1767275 2404460 - 7645 479 99
Loans and Advances 6342689 9888305 22561608 21831085 1279531 1577064 1464955 1675092
c) 29 days to 3 months 367208 1120087 1551073 959756 135369 243580 164876 193566
d) Over 3 months to 6 months 509476 1057567 1564152 1123969 125834 148994 155276 197234
e) Over 6 months to one year 1144786 1397689 2602074 2207700 347605 469526 184060 198515
f) Over one year to 3 years 3146980 4055736 7732434 8873760 436417 359344 402197 304559
g) Over 3 years to 5 years 394113 609137 3318081 4235456 41616 74587 68404 185616
h) Over 5 years 232832 769215 4582221 3474945 29088 23686 156829 207314
259
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
HDFC ICICI IndusInd ING Vysya
Items Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
Investments(at book value) 4939354 5881754 11145434 10305831 662970 808341 629332 1049554
c) 29 days to 3 months 304748 254001 1106813 1010388 4248 8392 8439 97541
d) Over 3 months to 6 months 338196 235552 1062748 740459 24574 4929 9345 117702
e) Over 6 months to one year 429261 414737 1716750 997099 39242 51156 11 152549
f) Over one year to 3 years 1649783 2161857 2081151 2605272 76638 88100 276069 59894
g) Over 3 years to 5 years 207769 451968 465778 258501 176460 104173 83813 55393
h) Over 5 years 327426 544751 2241540 3074117 341808 503625 135004 110853
Foreign Currency Assets 407645 515545 6579917 7770886 3909 6783 146820 140003
Foreign Currency Liabilities 578552 490577 7143181 7806008 1533 6261 227249 399496
e) Over 6 months to one year 63054 50767 1215638 876122 - - 6290 80898
f) Over one year to 3 years 47601 144458 1432692 2158553 - - 74933 3612
260
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Jammu & Kashmir Karnataka Karur Vysya Kotak Mahindra
Items Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
c) 29 days to 3 months 256083 315631 181562 106159 166894 216821 270238 225220
d) Over 3 months to 6 months 221121 322561 315833 337009 185335 156286 314472 317374
e) Over 6 months to one year 207890 229345 345485 337329 249318 370123 241427 206499
f) Over one year to 3 years 1526083 1751693 550445 821142 483255 633519 441477 551748
g) Over 3 years to 5 years 396896 520773 133721 253800 20684 14216 21457 25786
h) Over 5 years 28518 16292 19029 19989 8925 9692 7065 7548
e) Over 6 months to one year 98 49500 2059 196 251 216 32547 43531
f) Over one year to 3 years 42 65 2059 196 804 789 55445 80856
Loans and Advances 1888261 2093041 1084197 1181005 956884 1056290 1552318 1659613
c) 29 days to 3 months 149522 142865 73113 96401 94720 90988 141958 185797
d) Over 3 months to 6 months 120303 114961 111306 152975 25475 58010 137893 152538
e) Over 6 months to one year 188729 232887 89753 138772 183820 267791 215441 248077
f) Over one year to 3 years 948132 1042761 162974 259019 244177 210258 617749 565097
g) Over 3 years to 5 years 202957 271855 279755 304514 153842 166817 99532 115934
h) Over 5 years 154732 165403 255569 109749 161363 211031 209224 239967
261
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Jammu & Kashmir Karnataka Karur Vysya Kotak Mahindra
Items Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
Investments(at book value) 875766 1073633 596371 896148 353567 475563 914199 911018
c) 29 days to 3 months 71127 122136 16532 94434 11209 18943 176054 48433
d) Over 3 months to 6 months 56940 50424 4577 14305 350 17039 70782 86275
e) Over 6 months to one year 59567 38438 42195 23258 1019 12910 59378 57243
f) Over one year to 3 years 150282 89869 120180 51126 30362 50856 124432 188751
g) Over 3 years to 5 years 73153 167975 121010 124488 72249 90524 48331 20138
h) Over 5 years 448233 531493 265046 497163 231980 242873 74207 86349
Foreign Currency Assets 354728 320726 263161 402044 6514 5518 37640 15880
c) 29 days to 3 months 37345 164144 112593 210657 1694 1866 9441 3370
d) Over 3 months to 6 months 95221 96012 42112 64959 3842 999 8500 2725
Foreign Currency Liabilities 355762 329853 263223 401862 17544 7429 53226 54469
c) 29 days to 3 months 40887 166874 119736 222669 8420 423 1024 219
d) Over 3 months to 6 months 94526 95880 40244 67721 1587 557 12410 7910
e) Over 6 months to one year 193159 17245 65540 65011 1785 3212 3422 5094
f) Over one year to 3 years - 8663 2118 3638 261 645 9236 13207
262
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Lakshmi Vilas Nainital Bank Ratnakar SBI Comm. & Intl.
Items Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
c) 29 days to 3 months 56779 69541 18300 18279 12860 14633 5169 3834
d) Over 3 months to 6 months 52287 67126 19756 27370 7089 10543 4725 8632
e) Over 6 months to one year 114331 121606 25707 38713 12261 21723 13707 13505
f) Over one year to 3 years 126770 272070 55314 69200 48385 57265 9643 11653
g) Over 3 years to 5 years 35096 28308 41415 40437 4442 2760 1951 1011
a) 1 - 14 days - - - - 4 - 500 -
b) 15 - 28 days - - - - - - - -
h) Over 5 years - - 12 8 - - - -
Loans and Advances 385879 524584 99486 113900 58582 80111 33160 30833
c) 29 days to 3 months 51912 55874 6917 7853 3054 8607 5034 6621
d) Over 3 months to 6 months 30558 56592 1776 1817 2401 938 1692 4141
e) Over 6 months to one year 32097 62436 3675 3925 6102 5659 4709 3316
f) Over one year to 3 years 192010 235085 51623 59773 24277 29033 13642 11845
g) Over 3 years to 5 years 23560 45142 8961 9828 7328 11302 2330 1472
h) Over 5 years 20319 27905 11845 12940 5191 10064 347 126
263
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
Lakshmi Vilas Nainital Bank Ratnakar SBI Comm. & Intl.
Items Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
Investments(at book value) 169368 186307 48602 56212 36133 40677 15020 22364
d) Over 3 months to 6 months 1532 2896 120 59 1321 4416 1563 2662
e) Over 6 months to one year 7816 2141 100 101 422 6380 4924 5334
f) Over one year to 3 years 9672 15420 2011 1828 4723 15969 2780 3093
g) Over 3 years to 5 years 24351 16686 2514 1193 5397 1895 495 439
h) Over 5 years 129097 128408 28500 36763 19724 5111 1592 1616
b) 15 - 28 days 23 37 - - - - 818 30
h) Over 5 years - 48 - - - - - -
264
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
South Indian Tamilnad Mercantile Yes Bank
Items Bank Bank
2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46)
e) Over 6 months to one year 258874 325016 140586 168525 430811 435691
f) Over one year to 3 years 604867 711878 225149 361348 103101 241045
h) Over 5 years 22 - - - - -
e) Over 6 months to one year 274482 342613 127075 136471 151105 239813
f) Over one year to 3 years 174803 201372 202233 221246 322767 410146
265
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Concld.)
OTHER SCHEDULED COMMERCIAL BANKS
(Amount in Rs. lakh)
As on March 31
South Indian Tamilnad Mercantile Yes Bank
Items Bank Bank
2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46)
e) Over 6 months to one year 37631 90996 6888 16583 54099 103971
f) Over one year to 3 years 61795 38114 65282 49386 80456 93673
266
TABLE B11 : LOAN SUBJECTED TO RESTRUCTURING & CORPORATE DEBT RESTRUCTURED - 2008-09
267
B11 : LOAN SUBJECTED TO RESTRUCTURING & CORPORATE DEBT RESTRUCTURED - 2008-09 (Concld.)
268
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009
STATE BANK OF INDIA & ITS ASSOCIATES
(In per cent)
As on March 31
State Bank State Bank of State Bank State Bank
of Bikaner of of
Ratios India and Jaipur Hyderabad Indore
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
1. Cash-Deposit ratio 9.59 7.49 11.46 9.17 11.07 8.69 6.80 6.18
2. Credit-Deposit ratio 77.55 73.11 73.52 76.10 71.54 69.94 73.79 76.28
3. Investment-Deposit ratio 35.26 37.19 30.78 28.04 31.99 33.60 31.10 28.42
4. (Credit+Investment)-Deposit ratio 112.81 110.29 104.30 104.14 103.53 103.54 104.89 104.70
5. Ratio of deposits to total liabilities 74.48 76.94 82.88 84.59 81.32 81.40 84.37 85.66
6. Ratio of term deposits to total deposits 53.04 58.36 64.74 62.18 69.40 69.33 68.27 69.79
7. Ratio of priority sector advances to total advances 28.61 26.48 40.99 38.80 32.78 31.97 37.93 34.69
8. Ratio of term loan to total advances 54.72 50.07 42.10 56.55 61.23 58.40 58.88 56.48
9. Ratio of secured advances to total advances 73.06 79.01 82.64 80.02 82.92 81.70 87.85 88.88
10. Ratio of investments in non-approved securities
to total investments 24.29 17.34 7.12 4.83 12.61 13.07 8.39 9.65
11. Ratio of interest income to total assets 7.60 7.57 8.07 8.71 7.96 8.25 8.27 8.70
12. Ratio of net interest margin to total assets 2.64 2.48 2.48 2.52 2.01 2.12 2.13 2.35
13. Ratio of non-interest income to total assets 1.35 1.51 1.25 1.32 1.22 1.11 1.15 1.12
14. Ratio of intermediation cost to total assets 1.96 1.86 1.98 1.80 1.44 1.35 1.60 1.48
15. Ratio of wage bills to intermediation cost 61.75 62.29 59.63 58.52 58.73 59.17 50.81 55.33
16. Ratio of wage bills to total expense 17.48 16.64 15.61 13.19 11.47 10.67 10.51 10.43
17. Ratio of wage bills to total income 13.51 12.75 12.68 10.50 9.24 8.52 8.64 8.31
18. Ratio of burden to total assets 0.61 0.35 0.73 0.48 0.22 0.24 0.45 0.35
19. Ratio of burden to interest income 8.00 4.64 9.10 5.52 2.76 2.87 5.42 4.04
20. Ratio of operating profits to total assets 2.04 2.13 1.75 2.04 1.79 1.88 1.68 2.00
21. Return on assets 1.01 1.04 0.87 0.92 1.00 0.91 0.88 0.88
22. Return on equity 16.75 17.05 18.71 21.46 21.28 20.87 18.77 19.36
23. Cost of deposits 5.57 5.93 6.23 6.72 6.86 6.95 6.59 6.56
24. Cost of borrowings 6.43 4.85 4.50 10.24 6.52 4.44 4.74 8.84
25. Cost of funds 5.64 5.85 6.17 6.81 6.86 6.88 6.49 6.63
26. Return on advances 9.34 9.68 10.14 10.89 9.83 10.57 10.11 10.57
27. Return on investments 7.05 6.69 7.34 7.29 7.53 7.43 7.19 7.17
28. Return on advances adjusted to cost of funds 3.70 3.83 3.96 4.08 2.98 3.69 3.61 3.94
29. Return on investments adjusted to cost of funds 1.41 0.84 1.17 0.49 0.67 0.55 0.70 0.54
30. Business per employee (in Rs.lakh) 456.00 556.00 445.45 555.39 599.08 839.82 604.37 701.53
31. Profit per employee (in Rs.lakh) 3.73 4.74 2.73 3.55 4.35 4.87 3.73 4.44
32. Capital adequacy ratio 13.54 14.25 12.51 14.52 12.35 11.53 11.29 13.46
33. Capital adequacy ratio - Tier I 9.14 9.38 6.95 8.46 7.24 7.14 7.01 7.91
34. Capital adequacy ratio - Tier II 4.40 4.87 5.56 6.06 5.11 4.39 4.28 5.55
35. Ratio of net NPA to net advances 1.78 1.76 0.83 0.85 0.16 0.38 0.73 0.89
269
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
STATE BANK OF INDIA & ITS ASSOCIATES
(In per cent)
As on March 31
State Bank of State Bank of State Bank of State Bank of
Ratios Mysore Patiala Saurashtra # Travancore
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
270
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(In per cent)
As on March 31
Allahabad Andhra Bank of Bank of
Ratios Bank Bank Baroda India
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
1. Cash-Deposit ratio 8.78 6.02 9.92 8.17 6.16 5.51 7.83 4.70
2. Credit-Deposit ratio 69.43 69.20 69.26 74.32 70.18 74.84 75.64 75.33
3. Investment-Deposit ratio 32.67 34.90 30.14 28.47 28.86 27.26 27.87 27.73
4. (Credit+Investment)-Deposit ratio 102.10 104.10 99.39 102.80 99.04 102.10 103.51 103.06
5. Ratio of deposits to total liabilities 86.35 87.02 87.36 86.74 84.65 84.60 83.89 84.13
6. Ratio of term deposits to total deposits 63.96 65.40 66.43 68.59 68.78 70.41 69.39 73.24
7. Ratio of priority sector advances to total advances 36.94 34.75 36.98 36.23 27.62 26.57 28.41 26.27
8. Ratio of term loan to total advances 51.86 55.56 41.95 40.68 46.47 43.91 38.73 42.43
9. Ratio of secured advances to total advances 83.10 81.20 79.10 79.34 73.74 76.59 76.93 77.33
10. Ratio of investments in non-approved securities
to total investments 23.65 26.90 11.29 9.46 20.90 21.63 19.21 17.90
11. Ratio of interest income to total assets 8.20 8.16 8.08 8.60 7.32 7.42 7.71 8.09
12. Ratio of net interest margin to total assets 2.22 2.39 2.57 2.60 2.42 2.52 2.64 2.72
13. Ratio of non-interest income to total assets 1.28 1.26 1.20 1.22 1.27 1.36 1.32 1.51
14. Ratio of intermediation cost to total assets 1.54 1.55 1.75 1.77 1.88 1.76 1.65 1.53
15. Ratio of wage bills to intermediation cost 59.60 62.45 56.03 56.51 62.74 65.66 62.65 62.62
16. Ratio of wage bills to total expense 12.20 13.23 13.48 12.86 17.41 17.34 15.38 13.90
17. Ratio of wage bills to total income 9.67 10.27 10.53 10.16 13.73 13.16 11.45 9.99
18. Ratio of burden to total assets 0.26 0.29 0.54 0.54 0.61 0.40 0.33 0.02
19. Ratio of burden to interest income 3.12 3.50 6.71 6.31 8.32 5.42 4.27 0.26
20. Ratio of operating profits to total assets 1.96 2.11 2.03 2.06 1.81 2.12 2.31 2.70
21. Return on assets 1.32 0.90 1.16 1.09 0.89 1.09 1.25 1.49
22. Return on equity 20.10 13.88 17.97 18.94 14.58 18.65 24.38 24.97
23. Cost of deposits 6.57 6.24 6.11 6.41 5.35 5.33 5.23 5.76
24. Cost of borrowings 2.12 4.71 6.35 12.73 4.17 6.11 8.15 6.39
25. Cost of funds 6.50 6.21 6.12 6.52 5.33 5.36 5.37 5.79
26. Return on advances 9.80 10.13 10.23 10.76 8.84 8.93 9.34 9.78
27. Return on investments 7.92 6.97 6.63 6.91 6.95 6.87 6.83 7.14
28. Return on advances adjusted to cost of funds 3.30 3.91 4.11 4.24 3.51 3.58 3.97 4.00
29. Return on investments adjusted to cost of funds 1.42 0.76 0.51 0.39 1.62 1.52 1.46 1.35
30. Business per employee (in Rs.lakh) 604.00 706.00 626.53 728.29 710.00 914.00 652.00 833.00
31. Profit per employee (in Rs.lakh) 4.85 3.75 4.30 4.58 3.94 6.05 4.95 7.49
32. Capital adequacy ratio 11.99 13.11 11.61 13.22 12.94 14.05 12.04 13.01
33. Capital adequacy ratio - Tier I 7.71 8.01 8.54 8.67 7.64 8.49 7.70 8.91
34. Capital adequacy ratio - Tier II 4.28 5.10 3.07 4.55 5.30 5.56 4.34 4.10
35. Ratio of net NPA to net advances 0.80 0.72 0.15 0.18 0.47 0.31 0.52 0.44
271
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(In per cent)
As on March 31
Bank of Canara Central Bank of Corporation
Ratios Maharashtra Bank India Bank
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
1. Cash-Deposit ratio 9.32 7.43 8.67 5.37 10.46 8.41 12.82 7.56
2. Credit-Deposit ratio 70.13 65.62 69.60 73.96 66.17 65.12 70.70 65.57
3. Investment-Deposit ratio 29.41 35.18 32.33 30.91 28.51 32.80 31.26 33.71
4. (Credit+Investment)-Deposit ratio 99.55 100.80 101.93 104.87 94.68 97.92 101.96 99.28
5. Ratio of deposits to total liabilities 86.72 88.52 85.35 85.09 89.00 88.90 83.22 85.13
6. Ratio of term deposits to total deposits 57.85 64.31 68.51 69.95 63.86 66.64 64.99 68.56
7. Ratio of priority sector advances to total advances 37.80 36.73 39.15 33.27 32.88 31.39 35.31 31.74
8. Ratio of term loan to total advances 70.00 65.16 51.74 49.05 66.09 70.86 54.72 45.43
9. Ratio of secured advances to total advances 76.06 79.76 78.09 76.47 71.99 77.55 73.59 70.80
10. Ratio of investments in non-approved securities
to total investments 13.06 11.77 12.96 11.18 15.46 11.09 17.77 29.26
11. Ratio of interest income to total assets 7.89 8.01 8.20 8.56 7.27 7.70 7.57 7.91
12. Ratio of net interest margin to total assets 2.59 2.34 2.04 2.36 1.95 1.64 2.42 2.20
13. Ratio of non-interest income to total assets 0.87 0.93 1.28 1.16 0.83 0.79 1.17 1.44
14. Ratio of intermediation cost to total assets 1.92 1.80 1.61 1.53 1.61 1.37 1.50 1.31
15. Ratio of wage bills to intermediation cost 58.03 60.19 59.52 61.24 69.56 68.36 47.97 46.72
16. Ratio of wage bills to total expense 15.42 14.50 12.35 12.14 16.15 12.61 10.79 8.70
17. Ratio of wage bills to total income 12.70 12.10 10.12 9.66 13.82 11.04 8.20 6.52
18. Ratio of burden to total assets 1.05 0.86 0.33 0.38 0.78 0.58 0.32 -0.14
19. Ratio of burden to interest income 13.26 10.79 4.07 4.40 10.70 7.57 4.25 -1.74
20. Ratio of operating profits to total assets 1.54 1.48 1.71 1.98 1.17 1.06 2.10 2.34
21. Return on assets 0.75 0.72 0.92 1.06 0.54 0.45 1.29 1.24
22. Return on equity 18.64 17.46 15.01 18.25 11.31 9.25 18.39 19.57
23. Cost of deposits 5.60 5.92 6.71 6.72 5.78 6.55 5.91 6.31
24. Cost of borrowings 4.03 22.03 10.87 8.10 3.19 14.62 3.73 5.04
25. Cost of funds 5.60 5.99 6.77 6.75 5.76 6.59 5.80 6.27
26. Return on advances 9.81 10.28 9.60 10.44 8.49 9.78 9.32 10.00
27. Return on investments 7.17 6.46 8.03 7.62 7.94 6.88 6.79 7.13
28. Return on advances adjusted to cost of funds 4.22 4.29 2.83 3.69 2.73 3.19 3.52 3.73
29. Return on investments adjusted to cost of funds 1.58 0.47 1.27 0.87 2.18 0.29 1.00 0.86
30. Business per employee (in Rs.lakh) 515.69 635.61 609.41 780.17 400.99 560.28 839.00 1049.00
31. Profit per employee (in Rs.lakh) 2.39 2.76 3.65 4.97 1.56 1.71 6.52 7.64
32. Capital adequacy ratio 10.85 12.05 13.25 14.10 9.39 13.12 12.09 13.61
33. Capital adequacy ratio - Tier I 5.43 6.11 7.01 8.01 4.88 6.97 9.64 8.90
34. Capital adequacy ratio - Tier II 5.42 5.94 6.24 6.09 4.51 6.15 2.45 4.71
35. Ratio of net NPA to net advances 0.87 0.79 0.84 1.09 1.45 1.24 0.32 0.29
272
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(In per cent)
As on March 31
Dena IDBI Indian Indian Overseas
Ratios Bank Bank Ltd. Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
1. Cash-Deposit ratio 10.41 11.57 9.17 7.64 10.54 8.56 10.82 5.93
2. Credit-Deposit ratio 67.83 67.08 112.62 92.02 65.26 70.91 71.63 74.80
3. Investment-Deposit ratio 30.29 28.97 44.94 44.53 35.90 31.41 33.77 31.18
4. (Credit+Investment)-Deposit ratio 98.13 96.05 157.56 136.54 101.16 102.32 105.40 105.98
5. Ratio of deposits to total liabilities 87.84 88.84 55.85 65.20 86.58 86.28 82.80 82.69
6. Ratio of term deposits to total deposits 60.76 65.22 83.44 85.22 67.65 68.37 66.55 69.75
7. Ratio of priority sector advances to total advances 34.36 33.98 18.53 21.98 37.64 35.48 33.61 32.44
8. Ratio of term loan to total advances 47.17 48.03 86.77 85.24 62.10 61.59 52.89 52.79
9. Ratio of secured advances to total advances 78.06 81.87 88.19 86.39 85.37 88.15 89.00 89.59
10. Ratio of investments in non-approved securities
to total investments 16.47 19.35 28.93 18.63 18.31 15.91 12.22 14.68
11. Ratio of interest income to total assets 7.64 7.92 6.86 7.68 8.23 8.83 8.41 8.65
12. Ratio of net interest margin to total assets 2.45 2.44 0.58 0.87 3.24 3.37 2.66 2.57
13. Ratio of non-interest income to total assets 1.36 0.99 1.35 0.92 1.59 1.34 1.13 1.43
14. Ratio of intermediation cost to total assets 1.86 1.76 0.82 0.88 2.21 1.83 1.61 1.74
15. Ratio of wage bills to intermediation cost 57.02 60.91 39.88 42.55 69.09 69.23 63.94 65.50
16. Ratio of wage bills to total expense 15.03 14.85 4.59 4.89 21.22 17.38 14.02 14.60
17. Ratio of wage bills to total income 11.76 12.07 3.97 4.37 15.56 12.46 10.82 11.32
18. Ratio of burden to total assets 0.49 0.78 -0.53 -0.03 0.62 0.49 0.49 0.31
19. Ratio of burden to interest income 6.44 9.81 -7.75 -0.45 7.57 5.56 5.79 3.59
20. Ratio of operating profits to total assets 1.96 1.67 1.11 0.91 2.62 2.88 2.17 2.26
21. Return on assets 1.06 1.02 0.67 0.62 1.64 1.62 1.30 1.17
22. Return on equity 21.82 21.29 8.52 9.41 22.41 20.26 27.15 22.07
23. Cost of deposits 5.58 5.86 6.53 7.14 5.51 6.08 6.25 6.46
24. Cost of borrowings 1.74 7.56 0.50 0.93 3.64 11.17 5.48 7.80
25. Cost of funds 5.52 5.87 3.97 5.14 5.46 6.15 6.20 6.55
26. Return on advances 9.45 9.89 9.02 9.97 10.17 11.14 10.28 10.78
27. Return on investments 7.09 7.28 4.69 5.03 7.78 7.55 7.65 7.23
28. Return on advances adjusted to cost of funds 3.93 4.02 5.06 4.83 4.71 5.00 4.07 4.23
29. Return on investments adjusted to cost of funds 1.57 1.41 0.72 -0.10 2.33 1.40 1.45 0.68
30. Business per employee (in Rs.lakh) 559.00 714.00 1809.17 2030.33 488.00 617.00 582.70 689.50
31. Profit per employee (in Rs.lakh) 3.61 4.28 8.86 8.42 4.91 6.23 4.82 5.20
32. Capital adequacy ratio 11.09 12.07 11.95 11.57 12.74 13.98 11.93 13.20
33. Capital adequacy ratio - Tier I 6.75 6.76 7.42 6.81 11.29 11.88 7.83 7.88
34. Capital adequacy ratio - Tier II 4.34 5.31 4.53 4.76 1.45 2.10 4.10 5.32
35. Ratio of net NPA to net advances 0.94 1.09 1.30 0.92 0.24 0.18 0.60 1.33
273
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(In per cent)
As on March 31
Oriental Bank Punjab and Punjab National Syndicate
Ratios of Commerce Sind Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
1. Cash-Deposit ratio 9.40 6.99 7.87 5.64 9.17 8.13 10.90 10.82
2. Credit-Deposit ratio 70.09 69.64 73.87 70.99 71.79 73.75 67.30 70.36
3. Investment-Deposit ratio 30.76 28.96 34.12 36.42 32.44 30.22 29.50 26.35
4. (Credit+Investment)-Deposit ratio 100.85 98.60 108.00 107.40 104.23 103.97 96.80 96.71
5. Ratio of deposits to total liabilities 85.83 87.37 80.23 83.83 83.64 84.95 88.83 88.97
6. Ratio of term deposits to total deposits 72.10 76.26 63.66 72.24 57.01 61.17 69.05 72.40
7. Ratio of priority sector advances to total advances 32.13 31.01 32.30 29.23 38.67 31.81 32.13 32.37
8. Ratio of term loan to total advances 58.89 59.73 63.46 66.97 49.54 52.61 71.87 73.68
9. Ratio of secured advances to total advances 90.45 89.20 77.63 72.21 83.18 86.12 71.68 68.70
10. Ratio of investments in non-approved securities
to total investments 13.28 11.96 7.47 10.71 16.62 12.92 9.89 10.13
11. Ratio of interest income to total assets 8.29 8.71 8.39 8.98 7.89 8.67 8.05 8.07
12. Ratio of net interest margin to total assets 2.03 1.96 2.97 2.80 3.06 3.15 2.11 2.19
13. Ratio of non-interest income to total assets 0.76 1.05 1.20 1.13 1.11 1.31 0.91 0.72
14. Ratio of intermediation cost to total assets 1.31 1.36 2.12 1.91 1.95 1.89 1.52 1.45
15. Ratio of wage bills to intermediation cost 50.88 54.68 75.00 75.05 69.82 69.53 62.15 60.91
16. Ratio of wage bills to total expense 8.81 9.17 21.09 17.74 20.08 17.72 12.68 12.02
17. Ratio of wage bills to total income 7.37 7.62 16.58 14.21 15.14 13.15 10.56 10.01
18. Ratio of burden to total assets 0.55 0.31 0.92 0.79 0.85 0.58 0.62 0.72
19. Ratio of burden to interest income 6.62 3.52 10.96 8.75 10.71 6.66 7.65 8.93
20. Ratio of operating profits to total assets 1.48 1.66 2.05 2.01 2.22 2.58 1.50 1.47
21. Return on assets 1.02 0.88 1.49 1.26 1.15 1.39 0.88 0.81
22. Return on equity 6.21 13.74 21.86 20.65 18.01 22.92 21.42 19.63
23. Cost of deposits 6.90 7.41 6.05 7.03 5.40 6.15 6.38 6.26
24. Cost of borrowings 2.92 3.90 3.86 2.43 1.60 2.43 0.47 0.40
25. Cost of funds 6.83 7.36 5.90 6.63 5.31 6.05 6.29 6.17
26. Return on advances 9.80 10.60 10.17 11.57 9.66 10.68 9.88 10.13
27. Return on investments 8.43 8.17 7.81 6.52 7.28 7.51 7.77 7.11
28. Return on advances adjusted to cost of funds 2.97 3.23 4.27 4.95 4.35 4.62 3.58 3.96
29. Return on investments adjusted to cost of funds 1.60 0.80 1.91 -0.11 1.98 1.46 1.48 0.94
30. Business per employee (in Rs.lakh) 924.38 1142.43 466.87 655.58 504.52 654.92 586.02 750.65
31. Profit per employee (in Rs.lakh) 5.84 6.18 4.24 5.03 3.66 5.64 3.18 3.64
32. Capital adequacy ratio 12.12 12.98 11.57 14.35 13.46 14.03 11.82 12.68
33. Capital adequacy ratio - Tier I 9.34 9.10 8.04 8.44 8.97 8.98 6.97 7.85
34. Capital adequacy ratio - Tier II 2.78 3.88 3.53 5.91 4.49 5.05 4.85 4.83
35. Ratio of net NPA to net advances 0.99 0.65 0.37 0.32 0.64 0.17 0.97 0.77
274
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
NATIONALISED BANKS
(In per cent)
As on March 31
UCO Union Bank of United Bank of Vijaya
Ratios Bank India India Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
1. Cash-Deposit ratio 7.14 6.57 9.10 6.48 11.18 8.31 11.81 10.51
2. Credit-Deposit ratio 68.93 68.65 71.51 69.60 59.31 64.90 66.09 65.04
3. Investment-Deposit ratio 30.35 29.32 32.57 31.00 39.42 32.87 34.65 31.88
4. (Credit+Investment)-Deposit ratio 99.28 97.97 104.07 100.60 98.73 97.77 100.74 96.92
5. Ratio of deposits to total liabilities 88.99 89.75 83.76 86.16 86.48 87.90 85.35 87.42
6. Ratio of term deposits to total deposits 74.34 75.89 65.14 69.93 61.43 62.21 72.70 75.97
7. Ratio of priority sector advances to total advances 33.03 31.29 38.06 33.13 32.44 31.10 35.70 35.02
8. Ratio of term loan to total advances 59.92 65.17 43.58 40.65 68.33 72.88 56.36 60.88
9. Ratio of secured advances to total advances 79.25 80.60 84.37 79.31 83.61 87.07 75.60 86.49
10. Ratio of investments in non-approved securities
to total investments 21.18 21.54 16.57 18.26 30.50 21.11 17.50 17.55
11. Ratio of interest income to total assets 7.91 8.06 8.13 8.34 7.36 7.41 7.89 8.84
12. Ratio of net interest margin to total assets 1.81 1.63 2.52 2.68 1.87 2.00 1.68 1.90
13. Ratio of non-interest income to total assets 0.94 1.01 1.16 1.04 0.96 0.84 1.08 1.18
14. Ratio of intermediation cost to total assets 1.59 1.45 1.41 1.55 1.87 1.68 1.42 1.56
15. Ratio of wage bills to intermediation cost 68.50 68.19 53.06 52.02 71.04 67.43 57.74 64.61
16. Ratio of wage bills to total expense 14.14 12.56 10.63 11.19 18.04 15.94 10.77 11.86
17. Ratio of wage bills to total income 12.29 10.91 8.02 8.61 15.95 13.69 9.16 10.06
18. Ratio of burden to total assets 0.65 0.44 0.24 0.51 0.91 0.83 0.34 0.38
19. Ratio of burden to interest income 8.20 5.46 2.97 6.15 12.30 11.23 4.35 4.31
20. Ratio of operating profits to total assets 1.16 1.19 2.28 2.16 0.97 1.16 1.34 1.52
21. Return on assets 0.52 0.59 1.26 1.27 0.68 0.34 0.75 0.59
22. Return on equity 14.75 16.20 22.13 21.46 12.57 6.44 16.59 9.36
23. Cost of deposits 6.31 6.58 6.09 6.09 5.96 5.86 6.78 7.42
24. Cost of borrowings 4.98 8.02 6.88 7.63 0.07 0.66 0.02 0.92
25. Cost of funds 6.27 6.61 6.12 6.15 5.85 5.78 6.62 7.26
26. Return on advances 9.32 10.00 9.85 10.41 8.98 9.50 9.67 11.41
27. Return on investments 7.18 6.55 7.39 7.37 7.81 7.02 7.65 7.74
28. Return on advances adjusted to cost of funds 3.05 3.40 3.73 4.27 3.13 3.72 3.05 4.14
29. Return on investments adjusted to cost of funds 0.91 -0.06 1.27 1.22 1.96 1.24 1.03 0.48
30. Business per employee (in Rs.lakh) 580.00 732.00 620.00 694.00 463.00 585.00 612.67 756.00
31. Profit per employee (in Rs.lakh) 1.76 2.40 5.39 6.28 1.99 1.22 3.32 2.34
32. Capital adequacy ratio 11.02 11.93 12.51 13.27 11.24 13.28 11.22 13.15
33. Capital adequacy ratio - Tier I 5.51 6.48 7.45 8.19 6.37 7.56 5.73 7.74
34. Capital adequacy ratio - Tier II 5.51 5.45 5.06 5.08 4.87 5.72 5.49 5.41
35. Ratio of net NPA to net advances 1.98 1.18 0.17 0.34 1.10 1.48 0.57 0.82
275
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(In per cent)
As on March 31
ABN Abu Dhabi American
AB Bank Amro Bank Commercial Express
Ratios Bank Banking Corp. #
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
276
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(In per cent)
As on March 31
Antwerp Bank Bank Bank of
Diamond Internasional of Bahrain &
Ratios Bank Indonesia America Kuwait
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
1. Cash-Deposit ratio 48.09 23.78 0.00 0.00 10.49 7.99 8.96 6.26
2. Credit-Deposit ratio 597.80 867.21 0.00 0.00 82.38 80.54 70.90 60.84
3. Investment-Deposit ratio 214.33 265.96 0.00 0.00 68.67 88.09 31.17 31.58
4. (Credit+Investment)-Deposit ratio 812.13 1133.16 0.00 0.00 151.05 168.63 102.07 92.42
5. Ratio of deposits to total liabilities 10.15 8.34 0.00 0.00 51.60 42.32 74.38 77.35
6. Ratio of term deposits to total deposits 13.01 23.12 0.00 0.00 35.30 22.30 77.06 80.08
7. Ratio of priority sector advances to total advances 99.81 99.92 0.00 0.00 33.28 34.32 17.87 24.38
8. Ratio of term loan to total advances 0.19 0.08 0.00 0.00 2.17 0.09 32.28 23.60
9. Ratio of secured advances to total advances 99.93 99.92 0.00 0.00 26.10 11.08 88.94 89.65
10. Ratio of investments in non-approved securities
to total investments 0.00 0.00 0.00 100.00 31.59 9.27 1.68 0.00
11. Ratio of interest income to total assets 5.78 5.25 2.34 0.30 7.12 6.76 7.00 8.51
12. Ratio of net interest margin to total assets 2.51 2.95 2.17 0.30 4.86 5.07 3.25 4.13
13. Ratio of non-interest income to total assets 1.09 1.53 12.28 1.49 4.82 4.38 1.73 2.61
14. Ratio of intermediation cost to total assets 0.89 0.97 4.90 0.73 2.32 1.95 2.43 2.96
15. Ratio of wage bills to intermediation cost 46.69 42.79 21.51 0.00 53.93 45.93 40.73 43.92
16. Ratio of wage bills to total expense 10.00 12.69 20.78 0.00 27.31 24.60 16.03 17.73
17. Ratio of wage bills to total income 6.05 6.12 7.21 0.00 10.48 8.04 11.35 11.69
18. Ratio of burden to total assets -0.20 -0.56 -7.38 -0.76 -2.50 -2.43 0.70 0.35
19. Ratio of burden to interest income -3.52 -10.60 -315.35 -253.49 -35.15 -35.95 10.02 4.06
20. Ratio of operating profits to total assets 2.72 3.50 9.55 1.06 7.36 7.49 2.55 3.79
21. Return on assets 1.63 1.64 8.78 0.00 3.76 3.42 4.08 3.14
22. Return on equity 6.13 7.39 9.09 1.73 14.57 13.06 21.00 17.86
23. Cost of deposits 0.93 1.24 1.08 0.00 2.35 2.25 4.50 5.02
24. Cost of borrowings 4.25 3.21 1.15 0.00 8.60 3.68 4.59 11.73
25. Cost of funds 3.79 2.96 1.12 0.00 3.70 2.64 4.50 5.19
26. Return on advances 6.18 5.25 22.42 0.00 7.79 11.28 9.56 12.31
27. Return on investments 7.84 7.28 7.60 8.17 8.86 6.10 7.46 8.30
28. Return on advances adjusted to cost of funds 2.39 2.29 21.30 0.00 4.08 8.64 5.06 7.11
29. Return on investments adjusted to cost of funds 4.05 4.32 6.47 0.00 5.15 3.46 2.96 3.11
30. Business per employee (in Rs.lakh) 2618.95 3371.97 0.00 0.00 2483.54 2430.57 718.00 617.00
31. Profit per employee (in Rs.lakh) 53.54 70.76 233.26 0.00 102.08 110.85 20.00 14.00
32. Capital adequacy ratio 37.09 26.79 235.82 501.34 13.45 12.73 21.61 25.58
33. Capital adequacy ratio - Tier I 36.75 26.44 235.82 501.34 12.11 11.23 20.54 24.44
34. Capital adequacy ratio - Tier II 0.34 0.35 0.00 0.00 1.34 1.50 1.07 1.14
35. Ratio of net NPA to net advances 0.00 3.35 0.00 0.00 0.00 0.00 1.51 0.09
277
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(In per cent)
As on March 31
Bank of Bank of Bank of Tokyo- Barclays
Ratios Ceylon Nova Scotia Mitsubishi UFJ Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
1. Cash-Deposit ratio 13.63 4.04 10.40 8.73 20.77 11.82 8.10 3.97
2. Credit-Deposit ratio 55.87 52.44 127.14 161.48 173.88 144.09 110.63 84.50
3. Investment-Deposit ratio 39.97 35.71 43.80 58.01 44.37 42.15 41.39 63.14
4. (Credit+Investment)-Deposit ratio 95.84 88.15 170.94 219.49 218.25 186.24 152.02 147.64
5. Ratio of deposits to total liabilities 45.85 45.68 53.26 42.54 37.91 45.66 53.39 60.35
6. Ratio of term deposits to total deposits 55.32 59.33 94.19 90.45 44.04 60.41 94.79 97.06
7. Ratio of priority sector advances to total advances 58.12 38.33 38.53 36.59 23.86 26.75 14.68 19.77
8. Ratio of term loan to total advances 15.28 24.89 2.75 3.52 24.99 25.10 66.76 58.70
9. Ratio of secured advances to total advances 98.87 98.17 54.46 53.93 25.19 22.51 10.85 16.84
10. Ratio of investments in non-approved securities
to total investments 0.00 0.00 5.93 3.94 0.00 0.00 22.93 38.55
11. Ratio of interest income to total assets 6.85 7.87 6.19 7.76 7.23 7.84 7.77 12.12
12. Ratio of net interest margin to total assets 4.94 6.03 1.69 2.48 4.62 3.51 3.74 6.29
13. Ratio of non-interest income to total assets 2.18 8.77 1.98 2.44 1.44 1.56 7.07 3.51
14. Ratio of intermediation cost to total assets 1.64 1.83 0.70 0.83 1.03 1.01 8.62 5.31
15. Ratio of wage bills to intermediation cost 31.82 32.65 41.97 30.53 51.97 45.84 36.39 29.67
16. Ratio of wage bills to total expense 14.71 16.28 5.67 4.16 14.68 8.69 24.80 14.15
17. Ratio of wage bills to total income 5.78 3.58 3.61 2.49 6.15 4.95 21.14 10.09
18. Ratio of burden to total assets -0.54 -6.95 -1.28 -1.61 -0.42 -0.54 1.55 1.80
19. Ratio of burden to interest income -7.91 -88.28 -20.71 -20.69 -5.77 -6.95 19.96 14.89
20. Ratio of operating profits to total assets 5.48 12.98 2.97 4.09 5.04 4.05 2.19 4.49
21. Return on assets 2.24 10.23 1.73 2.04 2.40 1.49 0.10 0.16
22. Return on equity 6.40 28.00 15.39 19.49 9.44 5.77 0.20 0.61
23. Cost of deposits 3.64 3.52 6.49 7.50 3.48 6.74 5.02 9.24
24. Cost of borrowings 5.01 9.90 3.15 4.03 2.09 2.74 13.59 4.88
25. Cost of funds 3.70 3.82 5.11 5.94 2.91 5.26 6.14 8.68
26. Return on advances 12.77 14.11 6.69 8.52 8.61 9.04 11.07 17.29
27. Return on investments 7.06 7.01 6.79 7.84 6.76 9.30 8.15 8.18
28. Return on advances adjusted to cost of funds 9.07 10.29 1.58 2.58 5.70 3.78 4.93 8.61
29. Return on investments adjusted to cost of funds 3.36 3.19 1.68 1.89 3.85 4.03 2.01 -0.50
30. Business per employee (in Rs.lakh) 483.00 488.00 3082.88 3890.97 2613.45 3107.91 942.33 1110.13
31. Profit per employee (in Rs.lakh) 15.00 73.00 49.89 78.39 60.50 41.57 0.50 1.96
32. Capital adequacy ratio 55.97 45.18 20.15 13.38 26.87 29.51 21.11 17.07
33. Capital adequacy ratio - Tier I 54.91 44.11 14.72 10.42 26.36 28.80 20.81 16.62
34. Capital adequacy ratio - Tier II 1.06 1.07 5.43 2.96 0.51 0.71 0.30 0.45
35. Ratio of net NPA to net advances 4.01 0.00 0.00 0.00 0.00 0.00 0.42 4.59
278
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(In per cent)
As on March 31
BNP Paribas Calyon Bank Chinatrust Citibank
Ratios Commercial Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
1. Cash-Deposit ratio 12.36 10.60 12.79 9.92 31.28 15.23 10.16 6.35
2. Credit-Deposit ratio 116.55 110.64 159.70 215.44 139.84 244.27 83.20 77.25
3. Investment-Deposit ratio 83.14 106.22 128.72 492.57 44.56 21.73 40.00 47.45
4. (Credit+Investment)-Deposit ratio 199.69 216.86 288.42 708.00 184.40 266.00 123.20 124.70
5. Ratio of deposits to total liabilities 42.65 34.12 24.89 12.37 44.63 31.28 55.01 49.09
6. Ratio of term deposits to total deposits 52.82 63.15 75.19 79.35 80.41 49.26 50.63 52.52
7. Ratio of priority sector advances to total advances 20.08 32.34 33.31 38.18 36.30 37.58 30.32 29.37
8. Ratio of term loan to total advances 47.42 62.47 23.86 20.97 27.89 27.74 72.02 72.18
9. Ratio of secured advances to total advances 45.89 42.57 42.41 38.58 76.58 84.50 44.03 52.98
10. Ratio of investments in non-approved securities
to total investments 7.48 4.57 46.22 18.86 19.14 0.00 7.50 4.64
11. Ratio of interest income to total assets 7.79 7.31 7.02 6.20 7.19 9.30 7.94 7.23
12. Ratio of net interest margin to total assets 3.49 4.18 3.39 3.09 2.98 6.08 4.86 4.67
13. Ratio of non-interest income to total assets 4.34 2.79 5.85 4.56 0.81 1.22 3.26 3.79
14. Ratio of intermediation cost to total assets 3.03 2.22 2.74 1.78 2.46 4.30 2.90 2.74
15. Ratio of wage bills to intermediation cost 53.36 47.11 63.65 57.86 29.84 35.22 32.45 34.04
16. Ratio of wage bills to total expense 22.03 19.58 27.39 21.08 11.00 20.13 15.75 17.56
17. Ratio of wage bills to total income 13.30 10.36 13.56 9.58 9.16 14.40 8.41 8.45
18. Ratio of burden to total assets -1.32 -0.57 -3.11 -2.78 1.64 3.08 -0.36 -1.05
19. Ratio of burden to interest income -16.93 -7.82 -44.26 -44.82 22.85 33.15 -4.47 -14.55
20. Ratio of operating profits to total assets 4.81 4.76 6.50 5.87 1.34 3.00 5.22 5.72
21. Return on assets 1.97 2.13 4.20 4.10 1.63 2.91 2.24 2.12
22. Return on equity 13.35 11.84 15.54 17.68 7.50 6.98 22.62 20.83
23. Cost of deposits 4.54 3.94 3.71 3.10 4.47 5.16 4.34 3.91
24. Cost of borrowings 8.00 4.50 6.33 4.45 7.64 6.77 3.20 2.42
25. Cost of funds 5.69 4.17 5.31 4.12 5.57 5.68 4.08 3.57
26. Return on advances 8.25 10.11 9.43 10.10 9.27 11.84 11.57 12.61
27. Return on investments 10.50 8.14 11.22 5.94 6.22 7.21 8.08 7.57
28. Return on advances adjusted to cost of funds 2.56 5.94 4.12 5.98 3.70 6.16 7.49 9.04
29. Return on investments adjusted to cost of funds 4.81 3.97 5.91 1.82 0.65 1.52 4.00 4.01
30. Business per employee (in Rs.lakh) 1950.00 2035.00 2249.00 2105.00 845.00 675.00 1,763.78 1,880.10
31. Profit per employee (in Rs.lakh) 36.00 49.00 97.00 130.00 13.00 18.00 37.73 45.12
32. Capital adequacy ratio 12.66 12.37 9.70 13.20 22.72 45.40 12.00 13.23
33. Capital adequacy ratio - Tier I 8.67 8.38 7.80 9.80 22.07 44.75 11.24 12.42
34. Capital adequacy ratio - Tier II 3.99 3.99 1.90 3.40 0.65 0.65 0.76 0.81
35. Ratio of net NPA to net advances 0.00 0.86 0.00 0.00 0.00 0.00 1.23 2.63
279
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(In per cent)
As on March 31
DBS Deutsche Hong Kong & J P Morgan
Bank Bank Shanghai Banking Chase Bank
Ratios Corporation
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
1. Cash-Deposit ratio 4.85 5.41 17.96 11.77 11.54 7.43 9.02 20.39
2. Credit-Deposit ratio 46.40 45.21 65.14 62.19 70.26 55.21 31.97 19.59
3. Investment-Deposit ratio 88.55 129.68 73.95 61.53 45.26 62.34 185.40 186.65
4. (Credit+Investment)-Deposit ratio 134.95 174.89 139.09 123.72 115.52 117.55 217.38 206.24
5. Ratio of deposits to total liabilities 56.08 47.94 55.66 56.69 56.14 52.81 40.90 34.06
6. Ratio of term deposits to total deposits 96.87 94.52 30.55 29.72 53.88 58.70 57.98 57.87
7. Ratio of priority sector advances to total advances 46.91 41.23 21.32 33.03 28.19 32.76 39.14 55.05
8. Ratio of term loan to total advances 25.34 20.91 35.17 27.54 46.69 44.62 96.80 79.76
9. Ratio of secured advances to total advances 54.02 61.00 30.28 27.32 52.90 59.55 22.72 23.67
10. Ratio of investments in non-approved securities
to total investments 38.56 49.82 8.15 20.70 24.45 42.61 38.09 48.24
11. Ratio of interest income to total assets 8.37 7.47 6.81 7.58 7.61 7.42 6.30 5.54
12. Ratio of net interest margin to total assets 3.18 2.91 4.28 5.21 4.53 4.30 3.46 3.06
13. Ratio of non-interest income to total assets -0.44 2.79 4.80 4.11 3.24 3.17 5.36 7.71
14. Ratio of intermediation cost to total assets 1.16 1.52 4.97 4.65 3.28 2.57 1.79 1.48
15. Ratio of wage bills to intermediation cost 62.90 55.52 46.73 36.72 41.53 39.84 60.88 56.76
16. Ratio of wage bills to total expense 11.52 13.89 30.97 24.33 21.41 18.01 23.51 21.22
17. Ratio of wage bills to total income 9.23 8.24 20.01 14.62 12.55 9.69 9.33 6.34
18. Ratio of burden to total assets 1.60 -1.27 0.17 0.55 0.04 -0.59 -3.58 -6.23
19. Ratio of burden to interest income 19.18 -16.99 2.55 7.20 0.57 -7.98 -56.79 -112.50
20. Ratio of operating profits to total assets 1.57 4.18 4.11 4.66 4.49 4.89 7.03 9.29
21. Return on assets 0.86 2.72 1.56 1.72 1.82 1.51 3.07 4.21
22. Return on equity 5.86 20.38 12.39 9.50 16.31 13.13 15.19 19.38
23. Cost of deposits 2.73 4.03 2.17 1.66 4.49 4.94 4.06 3.45
24. Cost of borrowings 19.80 11.47 5.14 8.31 3.78 4.21 1.18 1.52
25. Cost of funds 6.74 6.24 3.25 3.21 4.39 4.83 2.52 2.56
26. Return on advances 9.18 9.39 10.29 13.31 12.26 13.63 11.16 8.36
27. Return on investments 9.26 6.54 6.82 6.99 8.88 8.83 6.22 6.63
28. Return on advances adjusted to cost of funds 2.45 3.15 7.05 10.11 7.87 8.80 8.64 5.80
29. Return on investments adjusted to cost of funds 2.52 0.30 3.58 3.79 4.49 4.00 3.70 4.07
30. Business per employee (in Rs.lakh) 1,416.58 1,662.32 1,616.74 1,434.10 1,012.34 961.81 1,614.67 1,825.28
31. Profit per employee (in Rs.lakh) 28.27 72.16 27.54 26.90 16.69 16.06 153.77 253.63
32. Capital adequacy ratio 18.15 15.70 15.05 15.25 10.59 15.31 17.72 15.90
33. Capital adequacy ratio - Tier I 14.98 10.27 14.51 14.62 9.72 14.12 17.60 15.38
34. Capital adequacy ratio - Tier II 3.17 5.43 0.54 0.63 0.87 1.19 0.12 0.52
35. Ratio of net NPA to net advances 0.05 0.55 0.22 0.88 0.58 1.42 2.12 1.27
280
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(In per cent)
As on March 31
JSC VTB Krung Thai Mashreq Bank Mizuho
Bank # Bank Corporate
Ratios Bank
2008 2009 2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46) (47) (48)
281
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(In per cent)
As on March 31
Oman Shinhan Societe Sonali
International Bank Generale Bank
Ratios Bank
2008 2009 2008 2009 2008 2009 2008 2009
(49) (50) (51) (52) (53) (54) (55) (56)
1. Cash-Deposit ratio 8.73 5.17 12.07 5.75 8.56 5.61 10.24 6.85
2. Credit-Deposit ratio 0.83 1.03 93.44 59.74 28.22 44.36 33.50 25.42
3. Investment-Deposit ratio 52.71 50.25 35.01 26.46 184.65 186.72 22.79 13.03
4. (Credit+Investment)-Deposit ratio 53.54 51.28 128.46 86.20 212.87 231.08 56.30 38.44
5. Ratio of deposits to total liabilities 45.81 47.46 47.47 73.95 43.32 38.21 64.98 78.37
6. Ratio of term deposits to total deposits 73.02 69.11 58.27 76.34 91.53 91.97 18.58 11.27
7. Ratio of priority sector advances to total advances 0.00 0.00 35.99 23.75 37.35 35.63 67.61 77.14
8. Ratio of term loan to total advances 94.41 90.60 52.91 45.39 53.63 34.43 10.61 6.22
9. Ratio of secured advances to total advances 100.00 100.00 52.63 51.79 82.77 60.44 22.00 16.73
10. Ratio of investments in non-approved securities
to total investments 0.00 0.00 0.00 0.00 40.05 40.31 20.21 12.99
11. Ratio of interest income to total assets 3.74 3.73 8.01 7.33 7.36 5.76 3.60 3.06
12. Ratio of net interest margin to total assets 0.65 1.36 5.56 4.38 1.85 2.73 1.99 1.62
13. Ratio of non-interest income to total assets 0.17 0.66 0.93 0.96 1.41 2.59 9.80 10.33
14. Ratio of intermediation cost to total assets 1.51 1.56 2.19 1.47 2.02 2.47 8.73 7.56
15. Ratio of wage bills to intermediation cost 28.42 28.47 27.01 41.31 54.67 48.94 56.95 59.71
16. Ratio of wage bills to total expense 9.31 11.32 12.74 13.74 14.69 22.01 48.11 50.14
17. Ratio of wage bills to total income 10.95 10.14 6.61 7.31 12.62 14.48 37.13 33.72
18. Ratio of burden to total assets 1.34 0.90 1.26 0.50 0.61 -0.12 -1.07 -2.77
19. Ratio of burden to interest income 35.73 24.28 15.74 6.89 8.33 -2.14 -29.62 -90.34
20. Ratio of operating profits to total assets -0.69 0.46 4.30 3.88 1.24 2.86 3.06 4.39
21. Return on assets 3.15 1.22 1.86 1.86 1.33 2.07 1.60 1.98
22. Return on equity 4.70 1.75 5.88 8.05 11.19 10.51 11.29 19.55
23. Cost of deposits 5.93 4.52 5.13 4.30 6.67 5.29 1.41 1.22
24. Cost of borrowings 3.56 3.13 0.86 3.66 2.27 1.08 0.00 0.00
25. Cost of funds 5.60 4.32 4.15 4.25 4.38 3.14 1.41 1.22
26. Return on advances 11.33 4.07 7.34 11.20 10.19 12.68 9.47 7.36
27. Return on investments 6.52 6.76 7.24 5.96 6.21 5.13 9.91 9.15
28. Return on advances adjusted to cost of funds 5.73 -0.25 3.19 6.95 5.81 9.54 8.06 6.14
29. Return on investments adjusted to cost of funds 0.92 2.44 3.09 1.71 1.83 1.99 8.49 7.94
30. Business per employee (in Rs.lakh) 484.99 480.49 1,709.81 2,445.00 1,459.10 1,017.00 74.02 138.45
31. Profit per employee (in Rs.lakh) 19.91 7.50 34.59 38.58 33.90 33.83 1.38 2.79
32. Capital adequacy ratio 23.09 25.17 48.66 36.80 20.77 22.47 41.25 37.05
33. Capital adequacy ratio - Tier I 22.47 23.25 48.10 36.35 20.66 22.08 40.94 36.67
34. Capital adequacy ratio - Tier II 0.62 1.92 0.56 0.45 0.11 0.39 0.31 0.38
35. Ratio of net NPA to net advances 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.55
282
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
FOREIGN BANKS
(In per cent)
As on March 31
Standard State Bank UBS AG
Chartered Mauritius Bank #
Ratios Bank
2008 2009 2008 2009 2008 2009
(57) (58) (59) (60) (61) (62)
283
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(In per cent)
As on March 31
Axis Bank of Catholic Syrian Centurion Bank
Ratios Bank Rajasthan Bank of Punjab #
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
284
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(In per cent)
As on March 31
City Union Development Dhanalakshmi Federal
Ratios Bank Credit Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
1. Cash-Deposit ratio 10.83 7.25 11.10 6.03 9.81 7.95 9.09 6.88
2. Credit-Deposit ratio 70.62 68.79 66.98 70.46 58.25 64.32 72.95 69.54
3. Investment-Deposit ratio 26.74 29.21 35.14 34.90 29.79 31.54 38.69 37.64
4. (Credit+Investment)-Deposit ratio 97.35 98.00 102.12 105.36 88.05 95.87 111.65 107.18
5. Ratio of deposits to total liabilities 87.43 88.71 80.12 78.19 89.47 88.06 79.72 82.88
6. Ratio of term deposits to total deposits 79.08 81.10 75.73 68.99 70.77 75.70 74.91 75.50
7. Ratio of priority sector advances to total advances 34.12 32.33 35.34 41.89 43.23 32.86 36.51 37.80
8. Ratio of term loan to total advances 52.36 47.24 69.84 67.40 43.33 49.33 47.47 49.60
9. Ratio of secured advances to total advances 97.13 96.65 71.09 70.53 91.03 86.27 88.95 82.88
10. Ratio of investments in non-approved securities
to total investments 12.84 18.25 19.68 21.84 14.07 11.45 22.12 31.53
11. Ratio of interest income to total assets 9.38 9.69 8.76 9.54 8.35 8.44 8.73 9.29
12. Ratio of net interest margin to total assets 3.14 2.92 2.71 2.92 2.65 2.51 3.01 3.69
13. Ratio of non-interest income to total assets 1.42 1.49 2.70 1.78 1.12 1.64 1.37 1.45
14. Ratio of intermediation cost to total assets 1.73 1.68 3.71 3.58 2.58 2.34 1.63 1.60
15. Ratio of wage bills to intermediation cost 44.63 46.57 40.82 43.14 49.08 55.33 57.88 55.55
16. Ratio of wage bills to total expense 9.69 9.26 15.51 15.13 15.28 15.65 12.82 12.35
17. Ratio of wage bills to total income 7.15 7.00 13.20 13.64 13.36 12.83 9.32 8.29
18. Ratio of burden to total assets 0.31 0.19 1.00 1.80 1.46 0.70 0.26 0.16
19. Ratio of burden to interest income 3.29 1.97 11.44 18.90 17.44 8.26 2.94 1.68
20. Ratio of operating profits to total assets 2.83 2.73 1.71 1.11 1.19 1.82 2.76 3.53
21. Return on assets 1.60 1.50 0.48 -1.25 0.76 1.21 1.34 1.48
22. Return on equity 21.82 19.90 7.89 -14.27 17.81 19.26 13.56 12.13
23. Cost of deposits 7.00 7.60 6.85 7.49 6.12 6.52 6.42 6.45
24. Cost of borrowings 23.31 130.47 7.88 7.59 42.79 32.03 3.17 3.27
25. Cost of funds 7.04 7.63 6.90 7.49 6.17 6.53 6.32 6.36
26. Return on advances 12.19 12.87 12.74 13.47 11.15 11.03 10.81 12.42
27. Return on investments 7.25 6.92 5.74 6.71 6.81 5.98 7.29 6.32
28. Return on advances adjusted to cost of funds 5.15 5.25 5.84 5.98 4.98 4.50 4.49 6.05
29. Return on investments adjusted to cost of funds 0.22 -0.71 -1.16 -0.79 0.64 -0.55 0.97 -0.04
30. Business per employee (in Rs.lakh) 499.06 565.18 454.00 379.00 409.08 585.88 655.00 750.00
31. Profit per employee (in Rs.lakh) 4.69 4.98 2.00 -4.00 2.02 4.10 5.43 6.90
32. Capital adequacy ratio 12.48 12.69 13.38 13.30 9.21 15.38 22.46 20.22
33. Capital adequacy ratio - Tier I 11.15 11.48 11.82 11.50 6.56 13.75 19.09 18.42
34. Capital adequacy ratio - Tier II 1.33 1.21 1.56 1.80 2.65 1.63 3.37 1.80
35. Ratio of net NPA to net advances 0.98 1.08 0.66 3.88 0.88 0.88 0.23 0.30
285
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(In per cent)
As on March 31
HDFC ICICI IndusInd ING Vysya
Ratios Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
1. Cash-Deposit ratio 12.46 9.47 12.02 8.03 8.02 5.39 11.06 7.20
2. Credit-Deposit ratio 62.94 69.24 92.30 99.98 67.21 71.33 71.61 67.30
3. Investment-Deposit ratio 49.02 41.19 45.60 47.20 34.82 36.56 30.76 42.17
4. (Credit+Investment)-Deposit ratio 111.96 110.43 137.90 147.18 102.04 107.89 102.37 109.47
5. Ratio of deposits to total liabilities 75.67 77.92 61.14 57.57 81.84 80.07 80.10 78.13
6. Ratio of term deposits to total deposits 45.51 55.63 73.91 71.30 84.30 80.76 68.46 73.03
7. Ratio of priority sector advances to total advances 27.47 30.12 26.48 28.42 39.12 35.31 34.74 36.74
8. Ratio of term loan to total advances 73.08 73.25 77.82 77.70 67.52 58.94 54.15 55.39
9. Ratio of secured advances to total advances 70.03 76.82 76.91 72.85 92.70 92.18 79.76 82.25
10. Ratio of investments in non-approved securities
to total investments 35.89 11.32 32.36 38.49 17.95 22.09 22.42 11.78
11. Ratio of interest income to total assets 9.01 10.32 8.27 7.98 8.51 9.08 7.50 7.80
12. Ratio of net interest margin to total assets 4.66 4.69 1.96 2.15 1.36 1.80 2.22 2.26
13. Ratio of non-interest income to total assets 2.03 2.08 2.37 1.95 1.35 1.79 1.87 1.91
14. Ratio of intermediation cost to total assets 3.34 3.50 2.19 1.81 1.82 2.15 2.72 2.69
15. Ratio of wage bills to intermediation cost 34.74 40.45 25.49 27.99 30.31 34.21 49.61 50.77
16. Ratio of wage bills to total expense 15.07 15.50 6.57 6.62 6.15 7.81 16.88 16.60
17. Ratio of wage bills to total income 10.50 11.41 5.25 5.10 5.60 6.77 14.41 14.07
18. Ratio of burden to total assets 1.30 1.42 -0.18 -0.14 0.47 0.36 0.85 0.78
19. Ratio of burden to interest income 14.46 13.73 -2.13 -1.80 5.56 3.93 11.36 10.04
20. Ratio of operating profits to total assets 3.36 3.27 2.14 2.29 0.89 1.45 1.37 1.48
21. Return on assets 1.32 1.28 1.12 0.98 0.34 0.58 0.74 0.70
22. Return on equity 17.74 17.17 11.63 7.77 6.24 9.84 11.89 11.66
23. Cost of deposits 5.18 6.58 7.21 6.82 7.64 7.66 5.83 6.18
24. Cost of borrowings 6.54 15.29 3.13 3.02 6.62 8.13 3.20 3.03
25. Cost of funds 5.24 6.83 6.40 5.97 7.59 7.69 5.69 5.96
26. Return on advances 12.62 14.96 10.72 10.06 11.94 12.56 9.74 11.13
27. Return on investments 7.18 7.41 7.37 6.90 6.44 6.57 6.47 5.60
28. Return on advances adjusted to cost of funds 7.38 8.12 4.33 4.09 4.34 4.86 4.05 5.17
29. Return on investments adjusted to cost of funds 1.94 0.57 0.97 0.93 -1.15 -1.12 0.79 -0.36
30. Business per employee (in Rs.lakh) 506.00 446.00 1008.00 1154.00 1062.67 836.00 547.28 606.39
31. Profit per employee (in Rs.lakh) 4.97 4.18 10.00 11.00 2.62 3.49 2.68 3.03
32. Capital adequacy ratio 13.60 15.69 13.96 15.53 11.91 12.33 10.20 11.65
33. Capital adequacy ratio - Tier I 10.30 10.58 11.76 11.84 6.70 7.52 6.82 6.89
34. Capital adequacy ratio - Tier II 3.30 5.11 2.20 3.69 5.21 4.81 3.38 4.76
35. Ratio of net NPA to net advances 0.47 0.63 1.55 2.09 2.27 1.14 0.70 1.23
286
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(In per cent)
As on March 31
Jammu & Karnataka Karur Vysya Kotak Mahindra
Ratios Kashmir Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
1. Cash-Deposit ratio 11.26 6.98 8.71 6.71 8.76 6.38 10.25 6.36
2. Credit-Deposit ratio 66.04 63.42 63.72 58.08 75.07 68.93 94.69 106.27
3. Investment-Deposit ratio 30.63 32.53 37.18 44.07 28.10 31.23 55.66 58.23
4. (Credit+Investment)-Deposit ratio 96.67 95.95 100.90 102.16 103.17 100.16 150.36 164.50
5. Ratio of deposits to total liabilities 87.29 87.56 87.99 88.96 86.06 88.52 58.01 54.49
6. Ratio of term deposits to total deposits 60.84 61.89 77.86 80.05 74.41 78.11 71.57 67.28
7. Ratio of priority sector advances to total advances 25.81 35.10 36.59 37.02 33.71 36.32 37.96 37.76
8. Ratio of term loan to total advances 61.55 65.71 42.23 40.96 41.01 34.02 88.13 83.84
9. Ratio of secured advances to total advances 86.61 90.65 91.38 90.88 86.36 92.85 73.63 74.36
10. Ratio of investments in non-approved securities
to total investments 20.37 28.97 28.04 33.76 13.32 18.81 11.32 10.54
11. Ratio of interest income to total assets 7.93 8.48 8.78 9.09 8.62 9.14 10.51 10.75
12. Ratio of net interest margin to total assets 2.64 2.84 2.58 2.24 2.66 2.59 5.08 5.33
13. Ratio of non-interest income to total assets 0.80 0.70 1.34 1.67 1.43 1.68 1.92 1.26
14. Ratio of intermediation cost to total assets 1.31 1.34 1.72 1.64 1.69 1.63 4.23 4.20
15. Ratio of wage bills to intermediation cost 55.94 59.21 59.23 54.95 47.07 47.69 50.94 48.78
16. Ratio of wage bills to total expense 11.14 11.34 12.86 10.64 10.37 9.50 22.29 21.28
17. Ratio of wage bills to total income 8.43 8.62 10.07 8.39 7.89 7.18 17.31 17.05
18. Ratio of burden to total assets 0.52 0.64 0.38 -0.03 0.26 -0.05 2.31 2.94
19. Ratio of burden to interest income 6.52 7.56 4.37 -0.35 3.01 -0.53 21.93 27.36
20. Ratio of operating profits to total assets 2.12 2.20 2.20 2.28 2.40 2.64 2.78 2.38
21. Return on assets 1.09 1.09 1.37 1.25 1.63 1.49 1.10 1.03
22. Return on equity 16.79 16.72 18.47 18.10 18.49 18.57 11.19 7.36
23. Cost of deposits 5.85 6.22 6.89 7.53 6.88 7.34 7.04 6.84
24. Cost of borrowings 7.44 8.36 4.95 14.12 3.06 8.94 3.72 3.99
25. Cost of funds 5.89 6.28 6.86 7.56 6.79 7.36 6.14 6.11
26. Return on advances 10.44 11.53 11.01 12.28 10.43 11.50 13.61 15.50
27. Return on investments 6.70 6.79 7.58 6.72 7.36 6.71 8.85 6.12
28. Return on advances adjusted to cost of funds 4.55 5.25 4.15 4.72 3.64 4.14 7.48 9.39
29. Return on investments adjusted to cost of funds 0.82 0.52 0.72 -0.84 0.58 -0.65 2.72 0.01
30. Business per employee (in Rs.lakh) 596.00 500.00 589.00 649.00 604.00 638.00 384.00 347.00
31. Profit per employee (in Rs.lakh) 5.00 5.00 5.00 5.00 5.82 5.98 4.00 3.00
32. Capital adequacy ratio 12.80 14.48 12.17 13.48 12.58 14.92 18.65 20.01
33. Capital adequacy ratio - Tier I 12.14 13.80 10.36 10.60 12.11 14.40 14.46 16.13
34. Capital adequacy ratio - Tier II 0.66 0.68 1.81 2.88 0.47 0.52 4.19 3.88
35. Ratio of net NPA to net advances 1.07 1.38 0.98 0.98 0.18 0.25 1.78 2.39
287
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
OTHER SCHEDULED COMMERCIAL BANKS
(In per cent)
As on March 31
Lakshmi Vilas Nainital Bank Ratnakar SBI Comm. &
Ratios Bank Bank Bank Intl. Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
1. Cash-Deposit ratio 6.86 8.04 7.14 5.54 11.76 7.14 5.63 5.80
2. Credit-Deposit ratio 68.68 71.27 55.58 52.94 53.20 61.29 68.67 52.88
3. Investment-Deposit ratio 30.14 25.31 27.01 26.23 32.82 31.12 27.51 36.96
4. (Credit+Investment)-Deposit ratio 98.82 96.58 82.59 79.17 86.02 92.41 96.18 89.83
5. Ratio of deposits to total liabilities 86.17 88.50 86.93 87.62 74.67 76.47 78.41 80.53
6. Ratio of term deposits to total deposits 78.33 83.22 54.66 56.73 61.66 66.53 87.66 92.66
7. Ratio of priority sector advances to total advances 39.28 31.07 54.31 55.55 41.03 29.58 40.25 43.01
8. Ratio of term loan to total advances 33.89 38.96 44.02 41.92 47.50 48.66 50.94 60.41
9. Ratio of secured advances to total advances 91.63 90.95 93.69 93.60 88.64 91.32 61.32 76.07
10. Ratio of investments in non-approved securities
to total investments 7.44 9.62 17.50 20.18 21.58 23.09 7.45 23.44
11. Ratio of interest income to total assets 8.20 8.86 8.96 9.30 8.19 8.66 6.55 7.75
12. Ratio of net interest margin to total assets 2.01 2.07 4.02 4.12 4.19 3.98 1.17 2.58
13. Ratio of non-interest income to total assets 1.34 1.44 0.40 0.46 0.67 0.98 2.07 0.44
14. Ratio of intermediation cost to total assets 1.89 2.04 1.71 1.73 2.27 2.09 1.38 1.37
15. Ratio of wage bills to intermediation cost 54.14 51.72 63.37 66.60 57.56 61.65 42.70 43.39
16. Ratio of wage bills to total expense 12.65 11.96 16.32 16.70 20.85 19.04 8.73 9.10
17. Ratio of wage bills to total income 10.71 10.26 11.60 11.82 14.76 13.35 6.85 7.27
18. Ratio of burden to total assets 0.55 0.60 1.31 1.27 1.60 1.11 -0.69 0.93
19. Ratio of burden to interest income 6.71 6.80 14.65 13.66 19.60 12.76 -10.50 12.01
20. Ratio of operating profits to total assets 1.46 1.47 2.71 2.85 2.58 2.88 1.86 1.65
21. Return on assets 0.41 0.71 1.51 1.68 1.31 1.96 1.93 1.52
22. Return on equity 6.21 11.54 20.07 22.45 6.51 9.19 11.89 9.22
23. Cost of deposits 6.83 7.42 5.52 5.84 5.26 6.15 6.49 6.44
24. Cost of borrowings 8.38 37.90 12.97 0.18 5.41 7.70 9.63 12.67
25. Cost of funds 6.85 7.62 5.62 5.79 5.26 6.15 6.68 6.47
26. Return on advances 10.14 11.38 11.61 12.63 10.76 11.17 8.16 10.99
27. Return on investments 6.87 7.09 8.11 7.97 7.08 8.26 7.89 5.91
28. Return on advances adjusted to cost of funds 3.30 3.76 5.99 6.84 5.49 5.01 1.48 4.53
29. Return on investments adjusted to cost of funds 0.02 -0.53 2.49 2.18 1.81 2.11 1.21 -0.56
30. Business per employee (in Rs.lakh) 453.00 510.00 366.00 425.00 310.00 373.00 754.67 960.48
31. Profit per employee (in Rs.lakh) 1.22 2.07 4.00 6.00 3.00 5.00 13.82 13.17
32. Capital adequacy ratio 12.73 10.29 12.32 13.10 49.15 42.30 23.48 21.24
33. Capital adequacy ratio - Tier I 10.53 8.81 11.00 11.85 48.29 41.69 22.74 21.49
34. Capital adequacy ratio - Tier II 2.20 1.48 1.32 1.25 0.86 0.61 0.74 -0.25
35. Ratio of net NPA to net advances 1.55 1.24 0.00 0.00 0.99 0.68 0.00 0.00
288
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Concld.)
OTHER SCHEDULED COMMERCIAL BANKS
(In per cent)
As on March 31
South Indian Tamilnad Yes Bank
Ratios Bank Mercantile Bank
2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46)
289
TABLE B13 : BANK-WISE AND POPULATION GROUP-WISE NUMBER OF OFFICES
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009
Number of offices as on March 31
2008
Bank Name Rural Semi- Urban Metro- Total
Urban Politan Branches
(1) (2) (3) (4) (5)
Nationalised Banks
Allahabad Bank 943 363 443 387 2136
Andhra Bank 387 381 355 241 1364
Bank Of Baroda 1090 630 519 606 2845
Bank Of India 1216 574 515 541 2846
Bank Of Maharashtra 515 252 257 341 1365
Canara Bank 723 680 658 629 2690
Central Bank Of India 1324 821 627 553 3325
Corporation Bank 180 187 289 308 964
Dena Bank 349 223 209 290 1071
IDBI Bank Ltd. 54 93 164 189 500
Indian Bank 459 381 378 307 1525
Indian Overseas Bank 537 429 487 427 1880
Oriental Bank Of Commerce 265 302 421 356 1344
Punjab And Sind Bank 283 127 223 206 839
Punjab National Bank 1854 841 811 674 4180
Syndicate Bank 648 507 540 494 2189
UCO Bank 756 369 419 408 1952
Union Bank Of India 753 549 542 528 2372
United Bank Of India 613 224 292 270 1399
Vijaya Bank 254 211 320 268 1053
Foreign Banks
ABN Amro Bank - - 9 19 28
Abu Dhabi Commercial Bank - - - 2 2
American Express Banking corpn. - - - 1 1
Antwerp Diamond Bank - - - 1 1
AB Bank - - - 1 1
Bank Internasional Indonesia - - - 1 1
Bank Of America - - - 5 5
Bank Of Bahrain & Kuwait - - - 2 2
Bank Of Ceylon - - - 1 1
Bank Of Nova Scotia - - 1 4 5
Bank Of Tokyo Mitsubishi UFJ - - - 3 3
Barclays Bank - 1 2 2 5
BNP Paribas - - - 9 9
290
TABLE B13 : BANK-WISE AND POPULATION GROUP-WISE NUMBER OF OFFICES
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
Number of offices as on March 31
2009
Bank Name Rural Semi- Urban Metro- Total
Urban Politan Branches
(6) (7) (8) (9) (10)
Nationalised Banks
Allahabad Bank 952 398 466 401 2217
Andhra Bank 393 394 376 262 1425
Bank Of Baroda 1099 650 537 630 2916
Bank Of India 1230 604 542 558 2934
Bank Of Maharashtra 518 262 270 357 1407
Canara Bank 726 694 678 642 2740
Central Bank Of India 1348 895 685 599 3527
Corporation Bank 188 217 307 316 1028
Dena Bank 352 225 219 297 1093
IDBI Bank Ltd. 54 96 171 189 510
Indian Bank 474 409 407 321 1611
Indian Overseas Bank 544 449 498 436 1927
Oriental Bank Of Commerce 275 325 453 369 1422
Punjab And Sind Bank 283 127 226 222 858
Punjab National Bank 1880 894 849 700 4323
Syndicate Bank 657 530 557 502 2246
UCO Bank 771 410 451 426 2058
Union Bank Of India 760 619 607 583 2569
United Bank Of India 615 235 314 281 1445
Vijaya Bank 257 229 336 279 1101
Foreign Banks
ABN Amro Bank 2 - 9 19 30
Abu Dhabi Commercial Bank - - - 2 2
American Express Banking Corp. - - - 1 1
Antwerp Diamond Bank - - - 1 1
AB Bank - - - 1 1
Bank Internasional Indonesia - - - 1 1
Bank Of America - - - 5 5
Bank Of Bahrain & Kuwait - - - 2 2
Bank Of Ceylon - - - 1 1
Bank Of Nova Scotia - - 1 4 5
Bank Of Tokyo Mitsubishi UFJ - - - 3 3
Barclays Bank - 1 2 2 5
BNP Paribas - - - 9 9
291
TABLE B13 : BANK-WISE AND POPULATION GROUP-WISE NUMBER OF OFFICES
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
Number of offices as on March 31
2008
Bank Name Rural Semi- Urban Metro- Total
Urban Politan Branches
(1) (2) (3) (4) (5)
Calyon Bank - - - 6 6
Chinatrust Commercial Bank - - - 1 1
Citibank - 1 10 29 40
DBS Bank - - - 2 2
Deutsche Bank - - 4 6 10
Hongkong And Shanghai Banking Corpn. - - 9 38 47
JP Morgan Chase Bank - - - 1 1
Krung Thai Bank - - - 1 1
Mashreq Bank - - - 2 2
Mizuho Corporate Bank - - - 2 2
Oman International Bank - - 1 1 2
Shinhan Bank - - - 2 2
Societe Generale - - - 2 2
Sonali Bank - - 1 1 2
Standard Chartered Bank - - 12 78 90
State Bank Of Mauritius - - - 3 3
292
TABLE B13 : BANK-WISE AND POPULATION GROUP-WISE NUMBER OF OFFICES
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
Number of offices as on March 31
2009
Bank Name Rural Semi- Urban Metro- Total
Urban Politan Branches
(6) (7) (8) (9) (10)
Calyon Bank - - - 6 6
Chinatrust Commercial Bank - - - 1 1
Citibank - 1 11 29 41
DBS Bank 2 2 - 6 10
Deutsche Bank - - 6 7 13
Hongkong And Shanghai Banking Corpn. - - 9 38 47
JP Morgan Chase Bank - - - 1 1
JSC VTB Bank - - - 1 1
Krung Thai Bank - - - 1 1
Mashreq Bank - - - 2 2
Mizuho Corporate Bank - - - 2 2
Oman International Bank - - 1 1 2
Shinhan Bank - - - 2 2
Societe Generale - - - 2 2
Sonali Bank - - 1 1 2
Standard Chartered Bank - - 12 78 90
State Bank Of Mauritius - - - 3 3
UBS AG - - - 1 1
293
TABLE B13 : BANK-WISE AND POPULATION GROUP-WISE NUMBER OF OFFICES
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
Number of offices as on March 31
2008
Bank Name Rural Semi- Urban Metro- Total
Urban Politan Branches
(1) (2) (3) (4) (5)
294
TABLE B13 : BANK-WISE AND POPULATION GROUP-WISE NUMBER OF OFFICES
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
295
TABLE B13 : BANK-WISE AND POPULATION GROUP-WISE NUMBER OF OFFICES
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
Number of offices as on March 31
2008
Bank Name Rural Semi- Urban Metro- Total
Urban Politan Branches
(1) (2) (3) (4) (5)
296
TABLE B13 : BANK-WISE AND POPULATION GROUP-WISE NUMBER OF OFFICES
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
297
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009
298
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
299
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
300
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
301
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
302
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
303
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
304
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
305
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
306
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
307
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
308
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
309
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
310
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
311
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Contd.)
312
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009 (Concld.)
Source : Master office File (Latest updated version) on commercial banks, Department of Statistics
and Information Management, RBI.
313
TABLE B15 : BANK-WISE AND CATEGORY-WISE EMPLOYEES OF SCHEDULED
COMMERCIAL BANKS - 2008 AND 2009
Total Of SBI Associates 25133 23347 30132 26778 14538 12577 69803 62702
Total SBI Group 82898 88032 106950 123752 59160 56814 249008 268598
Nationalised Banks
Allahabad Bank 8125 8202 7372 7631 4582 4624 20079 20457
Andhra Bank 8437 8678 2633 3059 2317 2518 13387 14255
Bank of Baroda 13840 13542 15777 15485 7643 7811 37260 36838
Bank of India 14335 14195 17755 17517 8467 8443 40557 40155
Bank of Maharashtra 4244 4208 6528 6660 2818 2763 13590 13631
Canara Bank 18186 17551 16776 16500 10298 10039 45260 44090
Central Bank of India 11768 12441 15126 12935 10594 10167 37488 35543
Corporation Bank 4732 5066 4933 4950 2345 2449 12010 12465
Dena Bank 3609 3714 4093 3890 2255 2279 9957 9883
IDBI Bank Ltd. 5448 7505 1568 1493 1237 1203 8253 10201
Indian Bank 8134 7790 9379 9180 3035 3023 20548 19993
Indian Overseas Bank 8849 9993 11787 11061 4311 4458 24947 25512
Oriental Bank of Commerce 6825 7283 5216 4605 2763 2768 14804 14656
Punjab & Sind Bank 4454 5899 3143 1435 1416 1366 9013 8700
Punjab National Bank 19141 19162 26620 26038 10264 9580 56025 54780
Syndicate Bank 9498 9966 11355 11274 3803 3828 24656 25068
UCO Bank 8544 8933 10692 10388 4714 4415 23950 23736
Union Bank of India 11342 12659 8896 8840 6930 7515 27168 29014
United Bank of India 5349 5031 7135 6748 3525 3332 16009 15111
Vijaya Bank 4714 5054 4399 4255 2326 2666 11439 11975
314
TABLE B15 : BANK-WISE AND CATEGORY-WISE EMPLOYEES OF SCHEDULED
COMMERCIAL BANKS - 2008 AND 2009
Tamilnad Mercantile Bank 851 934 1124 991 411 412 2386 2337
Bank of Rajasthan 2003 2156 1341 1354 592 565 3936 4075
Catholic Syrian Bank 1174 1241 1182 1181 367 254 2723 2676
Dhanalakshmi Bank 706 760 589 541 116 101 1411 1402
Federal Bank 3141 3645 2511 2593 1293 1332 6945 7570
Jammu & Kashmir Bank 3955 4916 2163 1418 1440 1293 7558 7627
Karur Vysya Bank 1542 1766 1527 1656 511 519 3580 3941
Lakshmi Vilas Bank 817 1218 979 988 282 227 2078 2433
Ratnakar Bank 195 228 244 233 105 105 544 566
South Indian Bank 1932 2031 1616 1827 675 665 4223 4523
Axis Bank 14739 20624 0 0 0 0 14739 20624
Yes Bank 3150 2671 0 0 0 0 3150 2671
Foreign Banks
ABN Amro Bank 3832 3203 16 15 23 23 3871 3241
Abu Dhabi Commercial Bank 37 37 0 0 2 2 39 39
American Express Banking Corp. # 863 857 0 0 0 0 863 857
Antwerp Diamond Bank 19 21 0 0 0 0 19 21
AB Bank 19 21 0 0 7 6 26 27
Bank Internasional Indonesia 3 N.A. 0 N.A. 0 N.A. 3 N.A.
Bank of America 296 276 18 18 0 0 314 294
Bank of Bahrain and Kuwait 48 54 32 45 14 24 94 123
Bank of Ceylon 27 27 2 2 0 0 29 29
Bank of Nova Scotia 195 187 0 0 8 8 203 195
Bank of Tokyo-Mitsubishi UFJ 110 124 13 12 14 14 137 150
Barclays Bank 2078 1782 0 0 0 0 2078 1782
BNP Paribas 334 324 12 10 13 13 359 347
Calyon Bank 99 91 0 0 32 29 131 120
Chinatrust Commercial bank 24 29 0 0 2 2 26 31
Citibank 4421 4490 337 174 24 131 4782 4795
DBS Bank 230 359 0 0 0 0 230 359
Deutsche Bank 3500 2005 0 0 0 0 3500 2005
Hongkong and Shanghai Banking Corpn. 6936 6563 622 674 195 209 7753 7446
JPMorgan Chase Bank 103 116 0 0 57 59 160 175
JSC VTB Bank # 0 16 0 0 0 0 0 16
Krung Thai Bank Public Company 10 10 0 0 0 0 10 10
Mashreq Bank 15 16 0 0 0 0 15 16
MIZUHO Corporate Bank 89 108 0 0 6 5 95 113
Oman International Bank 21 20 14 15 1 1 36 36
Shinhan Bank 35 47 0 0 3 3 38 50
Societe Generale 97 103 21 11 0 0 118 114
Sonali Bank 13 15 18 16 10 10 41 41
Standard Chartered Bank 8519 7390 225 274 223 161 8967 7825
State Bank of Mauritius 32 29 0 0 0 0 32 29
UBS AG # 0 18 0 0 0 0 0 18
Total 32005 28338 1330 1266 634 700 33969 30304
315
TABLE B16 : UNCLAIMED DEPOSITS WITH SCHEDULED COMMERCIAL BANKS - 2008
(Amount in Rs. lakh)
As on December 31
Current Account Savings Account Fixed Deposits
Bank Group / Bank No. of Amount No. of Amount No. of Amount
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(1) (2) (3) (4) (5) (6)
A. State Bank of India and 147386 2159 1140140 7753 146743 3799
its Associates
State Bank of Bikaner & Jaipur 5559 66 62980 602 8464 570
Punjab & Sind Bank 3046 295 44823 687 2551 379
Total of Public Sector Banks 456404 9699 6540600 61642 679726 23325
316
TABLE B16 : UNCLAIMED DEPOSITS WITH SCHEDULED COMMERCIAL BANKS - 2008 (Contd.)
(Amount in Rs. lakh)
As on December 31
Other Deposits Total Unclaimed Deposits
Bank Group / Bank No. of Amount Interest Incidental No. of Amount
Accounts Outstanding Credited Charges Accounts Outstanding
(7) (8) (9) (10) (11) (12)
A. State Bank of India and 15836 200 498 210 1450105 14199
its Associates
Total of Public Sector Banks 1128419 9652 1217 1079 8805149 104457
317
TABLE B16 : UNCLAIMED DEPOSITS WITH SCHEDULED COMMERCIAL BANKS - 2008 (Contd.)
(Amount in Rs. lakh)
As on December 31
Current Account Savings Account Fixed Deposits
Bank Group / Bank No. of Amount No. of Amount No. of Amount
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(1) (2) (3) (4) (5) (6)
FOREIGN BANKS
AB Bank Ltd - - - - - -
Bank of Ceylon - - - - - -
Barclays Bank - - - - - -
BNP Paribas 15 59 - - 35 10
Calyon Bank 5 - - - - -
Deutsche Bank 24 22 - - 2 3
DBS Bank - - - - - -
Mashreq Bank - - - - 33 2
Societe Generale - - - - 3 -
Shinhan Bank - - - - - -
Sonali Bank - - - - - -
318
TABLE B16 : UNCLAIMED DEPOSITS WITH SCHEDULED COMMERCIAL BANKS - 2008 (Contd.)
(Amount in Rs. lakh)
As on December 31
Other Deposits Total Unclaimed Deposits
Bank Group / Bank No. of Amount Interest Incidental No. of Amount
Accounts Outstanding Credited Charges Accounts Outstanding
(7) (8) (9) (10) (11) (12)
FOREIGN BANKS
AB Bank Ltd - - - - - -
Bank of Ceylon - - - - - -
Barclays Bank - - - - - -
BNP Paribas - - - - 50 69
Calyon Bank - - - - 5 -
Deutsche Bank - - - - 26 25
DBS Bank - - - - - -
Mashreq Bank - - - - 33 2
Societe Generale - - - - 3 -
Shinhan Bank - - - - - -
Sonali Bank - - - - - -
319
TABLE B16 : UNCLAIMED DEPOSITS WITH SCHEDULED COMMERCIAL BANKS - 2008 (Contd.)
(Amount in Rs. lakh)
As on December 31
Current Account Savings Account Fixed Deposits
Bank Group / Bank No. of Amount No. of Amount No. of Amount
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(1) (2) (3) (4) (5) (6)
Yes Bank - - - - - -
All Scheduled Commercial Banks 548001 11996 7439172 69577 857048 26640
320
TABLE B16 : UNCLAIMED DEPOSITS WITH SCHEDULED COMMERCIAL BANKS - 2008 (Concld.)
(Amount in Rs. lakh)
As on December 31
Other Deposits Total Unclaimed Deposits
Bank Group / Bank No. of Amount Interest Incidental No. of Amount
Accounts Outstanding Credited Charges Accounts Outstanding
(7) (8) (9) (10) (11) (12)
Yes Bank - - - - - -
All Scheduled Commercial Banks 1247922 10464 1335 1204 10092143 118808
321
TABLE B17 : LIST OF AMALGAMATED REGIONAL RURAL BANKS
(As on July 20, 2009)
Sr. State Sponsor Bank Name of new Names of amalgamated
No. Regional Rural Bank Regional Rural Banks
322
TABLE B17: LIST OF AMALGAMATED REGIONAL RURAL BANKS (Contd.)
(As on July 20, 2009)
Sr. State Sponsor Bank Name of new Names of amalgamated
No. Regional Rural Bank Regional Rural Banks
17 Jammu & Kashmir Jammu & Kashmir Bank J&K GB Kamraz Rural Bank
Jammu Rural Bank
323
TABLE B17: LIST OF AMALGAMATED REGIONAL RURAL BANKS (Contd.)
(As on July 20, 2009)
Sr. State Sponsor Bank Name of new Names of amalgamated
No. Regional Rural Bank Regional Rural Banks
39 ———do——— State Bank of Bikaner & Jaipur Marwar Ganganagar Bikaner GB Bikaner KGB
Marwar GB
Sriganganagar KGB
41 Tamil Nadu Indian Bank Pallavan Grama Bank Adhiyaman Grama Bank
Vallar Grama Bank
42 Uttaranchal State Bank of India Uttaranchal GB Alaknanda GB
Ganga-Yamuna GB
Pithoragarh KGB
324
TABLE B17: LIST OF AMALGAMATED REGIONAL RURAL BANKS (Concld.)
(As on July 20, 2009)
Sr. State Sponsor Bank Name of new Names of amalgamated
No. Regional Rural Bank Regional Rural Banks
325
TABLE B18 : BANK-WISE AND COUNTRY-WISE OFFICES OF INDIAN SCHEDULED COMMERCIAL BANKS
OUTSIDE INDIA - 2009
As on March 31
Syndi
Name of the Country SBI AhB BoB BoI Canara Indian IOB PNB cate UCO UBI ICICI Axis HDFC Total
Bank Bank Bank Bank Bank Bank Bank
Afghanistan - - - - - - - 1 - - - - - - 1
Australia 1 - - - - - - - - - - - - - 1
Bahamas Island 1 - 1 - - - - - - - - - - - 2
Bahrain 2 - 1 - - - - - - - - 1 - 1 5
Bangladesh 4 - - - - - - - - - - - - - 4
Belgium 1 - 1 1 - - - - - - - - - - 3
Cayman Island - - - 1 - - - - - - - - - - 1
Channel Islands - - - 1 - - - - - - - - - - 1
China 1 - 1 1 1 - - - - - - - - - 4
Fiji - - 9 - - - - - - - - - - - 9
France 1 - - 1 - - - - - - - - - - 2
Germany 1 - - - - - - - - - - - - - 1
Hongkong 1 1 2 2 1 - 2 1 - 2 1 1 1 - 15
Israel 1 - - - - - - - - - - - - - 1
Japan 2 - - 2 - - - - - - - - - - 4
Kenya - - - 4 - - - - - - - - - - 4
Maldives Islands 2 - - - - - - - - - - - - - 2
Mauritius - - 8 - - - - - - - - - - - 8
Oman 1 - 3 - - - - - - - - - - - 4
Qatar - - - - - - - - - - - 1(QFC) - - 1
Seychelles - - 1 - - - - - - - - - - - 1
Singapore 4 - 1 1 - 1 1 - - 2 - 1 1 - 12
South Africa 1 - 2 - - - - - - - - - - - 3
South Korea - - - - - - 1 - - - - - - - 1
Sri Lanka 3 - - - - 2 1 - - - - 1 - - 7
Thailand - - - - - - 1 - - - - - - - 1
United Arab Emirates1(DIFC) - 6 - - - - - - - - 1(DIFC) 1(DIFC) - 9
United Kingdom 6 - 9 7 1 - - - 1 - - - - - 24
United States of America 3 - 1 2 - - - - - - - 1 - - 7
Total 37 1 46 23 3 3 6 2 1 4 1 7 3 1 138
326