1. ';Quarterly
Statistics on Deposits and Credit of Scheduled Commercial Banks – December 2007';
provides data on aggregate deposits and gross bank credit of Scheduled Commercial
Banks as on last Friday of December 2007. The data are based on Basic Statistical
Return-7, received from the branches of all Scheduled Commercial Banks (including
Regional Rural Banks).
2. The number of banked centres
served by scheduled commercial banks stood at 34,361. Of these centres, 28,616
were single office centres and 51 centres had 100 or more bank offices.
3. The
top hundred centres, out of 34,361 banked centres, arranged according to the size
of deposits accounted for 69.6 per cent of the total deposits and the top hundred
centres arranged according to the size of bank credit accounted for 77.4 per cent
of total bank credit. In December 2006, the corresponding share of top hundred
centres in aggregate deposits and gross bank credit were 68.2 per cent and 77.1
per cent, respectively. Aggregate deposits of top hundred centres increased by
26.8 per cent in December 2007 over December 2006 compared to a growth of 26.5
per cent recorded a year ago. Growth rate of gross bank credit of top hundred
centres is at 21.6 per cent in December 2007 compared to 32.1 per cent growth
recorded in December 2006.
The coverage of Statement No.2
has been expanded from September 2007 quarter to cover 200 centres in terms of
Deposits/Credit. The Top 200 centres in terms of aggregate deposits covered 30.6
per cent of reporting offices and 74.5 per cent of aggregate deposits. The top
200 centres in terms of gross bank credit accounted for 81.0 per cent of gross
bank credit and 30.3 percent of reporting offices
4. Nationalised
Banks, as a group, accounted for 47.7 per cent of the aggregate deposits, while
State Bank of India and its Associates accounted for 22.9 per cent. The share
of Other Scheduled Commercial Banks, Foreign Banks and Regional Rural Banks in
aggregate deposits was 20.2 per cent, 6.2 per cent and 3.0 per cent, respectively.
As regards gross bank credit, Nationalised Banks held the maximum share of 46.8
per cent in the total bank credit followed by State Bank of India and its Associates
at 23.2 per cent and Other Scheduled Commercial Banks at 20.6 per cent. Foreign
Banks and Regional Rural Banks had relatively lower share in the total bank credit
at 6.9 per cent and 2.5 per cent, respectively.
5. At
the all–India level, the credit-deposit (C-D) ratio of All Scheduled Commercial
Banks as on last Friday of December 2007 stood at 73.4 per cent. Among the States/Union
Territories, the highest C-D ratio was observed in Tamil Nadu (111.1 per cent)
followed by Chandigarh (106.6 per cent). At the bank group level, the C-D ratio
was above the all-India ratio in respect of Foreign Banks (81.5 per cent), Other
Scheduled Commercial Banks(74.6 per cent) and State Bank of India and its Associates(74.4per
cent) and was lower in case of Nationalised Banks (72.0 per cent), and Regional
Rural Banks (61.8 per cent). As regards population group-wise C-D ratio of All
Scheduled Commercial Banks, metropolitan centres had the highest C-D ratio (85.2
per cent), followed distantly by rural centres (61.0 per cent) and urban centres
(58.5 per cent). The semi-urban centres recorded the lowest C-D ratio at 53.8
per cent.
6. It is observed from the distribution of
Scheduled Commercial Bank offices by size of deposits, that the offices with deposits
of Rs.10 crore or more, accounted for 57.2 per cent of the bank offices, 94.8
per cent in terms of aggregate deposits and 91.1 per cent in total bank credit.
The offices, which extended credit of Rs.10 crore or more, accounted for 34.3
per cent in terms of total number of offices. These offices together accounted
for 90.8 per cent of total bank credit whereas their share in aggregate deposits
was 75.2 per cent.