TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE
LENDING RATE AND DEPOSIT RATE - 2006 AND 2007 |
(in per cent) |
Occupation |
State Bank of India |
Nationalised Banks |
Foreign Banks |
|
and its Associates |
|
|
|
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
Weighted Average Lending Rate |
|
|
|
|
|
|
I. |
Agriculture |
11.34 |
11.50 |
11.76 |
11.64 |
14.77 |
13.50 |
|
1. |
Direct Finance |
10.99 |
11.57 |
11.20 |
11.19 |
15.92 |
14.19 |
|
2. |
Indirect Finance |
11.97 |
11.31 |
12.17 |
12.05 |
14.36 |
11.81 |
II. |
Industry |
11.96 |
12.10 |
12.65 |
12.43 |
14.05 |
12.77 |
|
1. |
Mining & Quarrying |
11.91 |
12.45 |
12.48 |
11.79 |
14.67 |
11.94 |
|
2. |
Manufacturing & Processing |
11.96 |
12.09 |
12.65 |
12.41 |
13.96 |
12.81 |
|
3. |
Electricity, Gas & Water |
12.45 |
12.02 |
12.91 |
12.59 |
14.82 |
12.62 |
|
4. |
Construction |
11.81 |
12.06 |
12.45 |
12.53 |
14.78 |
12.43 |
III. |
Transport Operators |
13.06 |
12.22 |
12.38 |
12.78 |
14.25 |
13.27 |
IV. |
Professional and Other Services |
11.94 |
11.76 |
12.24 |
12.18 |
13.28 |
12.76 |
V. |
Personal Loans |
10.21 |
10.48 |
9.80 |
10.38 |
12.04 |
13.47 |
|
1. |
Loans for Purchase of Consumer Durables |
15.74 |
14.14 |
14.43 |
13.89 |
15.02 |
15.75 |
|
2. |
Loans for Housing |
8.49 |
8.92 |
8.54 |
9.24 |
9.22 |
9.75 |
|
3. |
Rest of the Personal Loans |
13.84 |
13.61 |
13.39 |
13.38 |
17.50 |
17.56 |
VI. |
Trade |
10.72 |
10.82 |
11.00 |
11.34 |
14.64 |
13.12 |
|
1. |
Wholesale Trade |
10.00 |
10.16 |
10.35 |
10.65 |
14.47 |
12.74 |
|
2. |
Retail Trade |
11.74 |
11.90 |
12.02 |
12.27 |
14.79 |
13.22 |
VII. |
Finance |
13.24 |
12.99 |
12.51 |
12.26 |
14.82 |
13.23 |
VIII. |
All Others |
11.49 |
11.67 |
11.71 |
11.74 |
13.92 |
13.80 |
|
Total Bank Credit |
11.49 |
11.64 |
11.89 |
11.89 |
13.43 |
13.03 |
|
Of which |
|
|
|
|
|
|
|
1. |
Artisans & Village Industries |
10.97 |
11.91 |
11.87 |
12.28 |
15.47 |
14.98 |
|
2. |
Other Small Scale Industries |
11.21 |
12.00 |
11.69 |
12.12 |
13.34 |
12.22 |
|
Weighted Average Deposit Rate |
|
|
|
|
|
|
|
of Term Deposits |
6.22 |
7.74 |
6.42 |
8.02 |
5.75 |
9.03 |
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 2007 on average deposit rate are based on 61106 reporting branches out of 70408 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 Statistical Analysis and Computer Services, RBI.
|
TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE
LENDING RATE AND DEPOSIT RATE - 2006 AND 2007 (Concld.) |
(in per cent) |
Occupation |
Regional Rural |
Other Scheduled |
All Scheduled |
|
Banks |
Commercial Banks |
Commercial Banks |
|
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
|
(7) |
(8) |
(9) |
(10) |
(11) |
(2) |
Weighted Average Lending Rate |
|
|
|
|
|
|
I. |
Agriculture |
12.49 |
11.71 |
11.75 |
12.01 |
11.70 |
11.72 |
|
1. |
Direct Finance |
12.59 |
11.70 |
11.99 |
12.31 |
11.33 |
11.60 |
|
2. |
Indirect Finance |
11.98 |
11.87 |
11.24 |
11.56 |
12.10 |
11.88 |
II. |
Industry |
12.07 |
11.70 |
12.72 |
12.37 |
12.58 |
12.36 |
|
1. |
Mining & Quarrying |
12.67 |
12.84 |
12.45 |
12.98 |
12.39 |
12.18 |
|
2. |
Manufacturing & Processing |
12.63 |
12.01 |
12.77 |
12.33 |
12.59 |
12.33 |
|
3. |
Electricity, Gas & Water |
13.63 |
12.61 |
13.29 |
13.57 |
12.89 |
12.64 |
|
4. |
Construction |
11.45 |
11.25 |
12.41 |
11.90 |
12.39 |
12.33 |
III. |
Transport Operators |
12.82 |
12.44 |
12.51 |
12.18 |
12.69 |
12.49 |
IV. |
Professional and Other Services |
12.17 |
12.08 |
12.42 |
12.51 |
12.36 |
12.26 |
V. |
Personal Loans |
11.36 |
11.36 |
11.42 |
11.05 |
10.66 |
10.87 |
|
1. |
Loans for Purchase of Consumer Durables |
15.30 |
13.86 |
15.01 |
14.24 |
15.03 |
14.36 |
|
2. |
Loans for Housing |
10.16 |
10.23 |
8.55 |
8.68 |
8.61 |
9.01 |
|
3. |
Rest of the Personal Loans |
13.96 |
13.44 |
15.04 |
14.95 |
14.60 |
14.47 |
VI. |
Trade |
12.60 |
12.00 |
12.21 |
12.18 |
11.23 |
11.54 |
|
1. |
Wholesale Trade |
12.75 |
12.51 |
11.67 |
11.92 |
10.49 |
10.77 |
|
2. |
Retail Trade |
12.55 |
11.85 |
12.53 |
12.36 |
12.17 |
12.37 |
VII. |
Finance |
11.06 |
11.16 |
13.32 |
12.92 |
12.95 |
12.56 |
VIII. |
All Others |
12.71 |
11.63 |
11.80 |
12.03 |
11.80 |
11.87 |
|
Total Bank Credit |
12.19 |
11.70 |
12.19 |
11.91 |
11.97 |
11.92 |
|
Of which |
|
|
|
|
|
|
|
1. |
Artisans & Village Industries |
12.81 |
12.64 |
12.33 |
14.15 |
11.41 |
12.47 |
|
2. |
Other Small Scale Industries |
12.72 |
11.74 |
12.22 |
12.76 |
11.64 |
12.15 |
|
Weighted Average Deposit Rate |
|
|
|
|
|
|
|
of Term Deposits |
7.11 |
7.51 |
7.07 |
8.98 |
6.51 |
8.22 |
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 2007 on average deposit rate are based on 61106 reporting branches out of 70408 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 Statistical Analysis and Computer Services, RBI. |