1. “Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks- September 2010”
provides data on aggregate deposits and gross bank credit of Scheduled Commercial Banks as on
last Friday of September 2010 (September 24, 2010). The branch-wise data are received from All
Scheduled Commercial Banks (including Regional Rural Banks) based on Basic Statistical Return
(BSR)-7.
2. The number of banked centres of Scheduled Commercial Banks stood at 34,850. Of these centres,
27,800 were single office centres and 67 centres had 100 or more bank offices.
3. The top hundred centres, arranged according to the size of deposits accounted for 68.8 per cent of
the total deposits and the top hundred centres arranged according to the size of bank credit
accounted for 78.0 per cent of total bank credit. In September 2009, the corresponding shares of
top hundred centres in aggregate deposits and gross bank credit was 68.9 per cent and 77.7 per
cent, respectively. Aggregate deposits of top hundred centres increased by 13.7 per cent in September
2010 over September 2009 compared to a growth of 18.6 per cent recorded a year ago. Annual
growth rate of gross bank credit of top hundred centres at 19.7 per cent in September 2010 was
higher than 10.5 per cent growth recorded in September 2009.
The top 200 centres in terms of aggregate deposits covered 32.4 per cent of reporting offices and
73.8 per cent of aggregate deposits. The top 200 centres in terms of gross bank credit accounted
for 81.4 per cent of gross bank credit and 31.8 per cent of reporting offices.
4. Nationalised Banks, as a group, accounted for 51.2 per cent of the aggregate deposits, while State
Bank of India and its Associates accounted for 22.5 per cent. The share of New Private Sector
Banks, Old Private Sector Banks, Foreign Banks and Regional Rural Banks in aggregate deposits
was 13.5 per cent, 4.5 per cent, 5.2 per cent and 3.1 per cent, respectively. As regards gross bank
credit, Nationalised Banks held the highest share of 50.9 per cent in the total bank credit followed
by State Bank of India and its Associates at 23.1 per cent and New Private Sector Banks at 13.7 per
cent. Foreign Banks, Old Private Sector Banks and Regional Rural Banks had relatively lower shares
in the total bank credit at 5.2 per cent, 4.5 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 (SCBs) as
on September 24, 2010 stood at 73.6 per cent. Among the States/Union Territories, the highest CD
ratio was observed in Chandigarh (124.3 per cent) followed by Tamil Nadu (113.6 per cent) and
Andhra Pradesh (110.5 per cent). At the bank group level, the C-D ratio was above the All-India
ratio in respect of State Bank of India and its Associates (75.6 per cent) and New Private Sector
Banks (74.5 per cent). The C-D ratio of Old Private Sector Banks (73.5 per cent), Nationalised
Banks (73.2 per cent), Foreign Banks (73.3 per cent) and Regional Rural Banks (61.0 per cent) was
lower than the All SCBs C-D ratio. C-D ratio of All Scheduled Commercial Banks in Metropolitan
Centres was the highest (87.1 per cent) followed distantly by Rural Centres (59.4 per cent) and
Urban Centres (58.4 per cent). The Semi-Urban Centres recorded the lowest C-D ratio at 51.5 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 66.2 per cent of the bank offices,
96.6 per cent in terms of aggregate deposits and 93.8 per cent in total bank credit. The offices,
which extended credit of Rs.10 crore or more, accounted for 42.0 per cent in terms of total number
of offices. These offices together accounted for 93.9 per cent of total bank credit whereas their
share in aggregate deposits was 77.3 per cent. |