|
|
|
(Amount in Rs. crore) |
|
|
|
|
As on March 31 |
|
|
|
|
|
|
|
|
|
|
|
|
Items |
|
|
State Bank of India |
Nationalised Banks |
Foreign Banks |
Other Scheduled |
All Scheduled |
|
|
|
|
& its Associates |
|
|
|
|
|
Commercial Banks |
Commercial Banks |
|
|
|
|
2003 |
2004 |
|
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
|
|
|
(1) |
(2) |
|
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
|
Number of reporting banks |
8 |
8 |
|
19 |
19 |
36 |
33 |
29 |
30 |
92 |
90 |
|
Liabilities |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1. Capital |
|
|
1036 |
1036 |
|
13139 |
13640 |
4498 |
4645 |
2862 |
3002 |
21535 |
22322 |
|
2. Reserve and Surplus |
|
22096 |
26714 |
|
29311 |
37835 |
8889 |
10200 |
15500 |
19496 |
75791 |
94246 |
|
2.1. Statuary Reserves |
|
12964 |
14432 |
|
8457 |
11176 |
2544 |
3087 |
3297 |
4387 |
27261 |
33082 |
|
(i) Opening balance |
|
11464 |
12964 |
|
6507 |
8456 |
1787 |
2439 |
2560 |
3355 |
22317 |
27214 |
|
(ii) Additions during the Year |
1500 |
1468 |
|
1950 |
2720 |
757 |
648 |
862 |
1207 |
5068 |
6042 |
|
(iii) Deductions during the Year |
0 |
0 |
|
0 |
0 |
0 |
0 |
125 |
175 |
124 |
174 |
|
2.2. Capital Reserves |
|
1017 |
189 |
|
2614 |
2129 |
1253 |
1456 |
574 |
956 |
5457 |
4730 |
|
(i) Opening balance |
|
999 |
161 |
|
2589 |
2120 |
936 |
1254 |
294 |
595 |
4818 |
4130 |
|
(ii) Additions during the Year |
18 |
28 |
|
148 |
60 |
317 |
202 |
288 |
370 |
770 |
660 |
|
(iii) Deductions during the Year |
0 |
0 |
|
123 |
51 |
0 |
0 |
8 |
9 |
131 |
60 |
|
2.3. Share Premium |
|
3863 |
3863 |
|
3083 |
3341 |
0 |
0 |
3253 |
3823 |
10200 |
11028 |
|
(i) Opening balance |
|
3863 |
3863 |
|
2975 |
3030 |
0 |
0 |
3071 |
3400 |
9909 |
10293 |
|
(ii) Additions during the Year |
0 |
0 |
|
159 |
311 |
0 |
0 |
210 |
427 |
369 |
738 |
|
(iii) Deductions during the Year |
0 |
0 |
|
51 |
0 |
0 |
0 |
28 |
4 |
78 |
3 |
|
2.5. Investment Fluctuations Reserves |
3363 |
6368 |
|
4334 |
9933 |
683 |
1053 |
957 |
2668 |
9335 |
20022 |
|
(i) Opening balance |
|
1229 |
3363 |
|
1995 |
5425 |
306 |
683 |
433 |
1206 |
3962 |
10676 |
|
(ii) Additions during the Year |
2144 |
3005 |
|
2361 |
4510 |
378 |
373 |
545 |
1462 |
5427 |
9350 |
|
(iii) Deductions during the Year |
10 |
0 |
|
22 |
2 |
1 |
3 |
21 |
0 |
54 |
4 |
|
2.6. Revenue and other Reserves |
881 |
1856 |
|
10538 |
10885 |
3070 |
3280 |
6851 |
6706 |
21338 |
22727 |
|
(i) Opening balance |
|
1481 |
1734 |
|
9416 |
9941 |
2565 |
3475 |
6628 |
6712 |
20089 |
21862 |
|
(ii) Additions during the Year |
171 |
124 |
|
1999 |
1362 |
603 |
76 |
477 |
720 |
3249 |
2281 |
|
(iii) Deductions during the Year |
771 |
2 |
|
877 |
418 |
98 |
271 |
254 |
726 |
2000 |
1416 |
|
2.5. Balance of Profit |
|
8 |
6 |
|
285 |
371 |
1339 |
1324 |
568 |
956 |
2200 |
2657 |
|
3. Deposits (3.1+3.2+3.3) |
|
391033 |
432891 |
|
688362 |
793947 |
69312 |
79757 |
206917 |
268550 |
1355621 |
1575140 |
|
3.1. Demand Deposits [(i)+(ii)] |
56626 |
63496 |
|
70249 |
77728 |
14441 |
21785 |
23225 |
40135 |
164539 |
203141 |
|
(i) From banks |
|
8426 |
9018 |
|
2319 |
2067 |
394 |
591 |
1122 |
1514 |
12260 |
13188 |
|
(ii) From others |
|
48200 |
54478 |
|
67930 |
75661 |
14047 |
21194 |
22103 |
38621 |
152279 |
189953 |
|
3.2. Savings bank deposits |
87923 |
106705 |
|
179251 |
214311 |
8969 |
12568 |
26160 |
40093 |
302303 |
373677 |
|
3.3. Term Deposits [(i)+(ii)] |
246484 |
262690 |
|
438862 |
501908 |
45902 |
45404 |
157532 |
188322 |
888779 |
998322 |
|
(i) From banks |
|
6944 |
7721 |
|
16438 |
17872 |
11784 |
17189 |
18823 |
22244 |
53989 |
65025 |
|
(ii) From others |
|
239540 |
254969 |
|
422424 |
484036 |
34118 |
28215 |
138709 |
166078 |
834790 |
933297 |
|
3A. Deposits of branches in India |
383775 |
424070 |
|
665846 |
766856 |
69297 |
79745 |
206657 |
267185 |
1325576 |
1537855 |
|
3B. Deposits of branches outside India |
7257 |
8820 |
|
22515 |
27091 |
15 |
11 |
259 |
1364 |
30046 |
37287 |
|
Total(3.A + 3.B) |
|
391032 |
432890 |
|
688361 |
793947 |
69312 |
79756 |
206916 |
268549 |
1355622 |
1575142 |
|
Source :Annual accounts of banks of respective years . |
|
TABLE 3.1 : BANK GROUP-WISE LIABLITIES AND ASSETS OF SCHEDULED COMMERCIAL
BANKS IN INDIA : 2003 AND 2004
|
|
(Amount in Rs. crore)
|
|
|
|
|
|
|
|
As on March 31
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Items
|
|
|
|
|
State Bank of India
|
Nationalised Banks
|
|
Foreign Banks
|
Other Scheduled
|
All Scheduled
|
|
|
|
|
|
|
|
& its Associates
|
|
|
|
|
|
|
Commercial Banks
|
Commercial Banks
|
|
|
|
|
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
|
|
|
|
|
(1)
|
(2)
|
(3)
|
(4)
|
|
(5)
|
(6)
|
(7)
|
(8)
|
(9)
|
(10)
|
|
|
4. Borrowings
|
|
|
|
11593
|
16815
|
10839
|
13921
|
|
22904
|
25389
|
41200
|
40366
|
86532
|
96488
|
|
|
4.1. Borrowings in India
|
|
|
2434
|
1668
|
6932
|
4633
|
|
16026
|
14673
|
35000
|
30385
|
60389
|
51357
|
|
|
(i) From
Reserve Bank of India
|
|
0
|
0
|
25
|
50
|
|
875
|
27
|
52
|
29
|
951
|
105
|
|
|
(ii) From other
banks
|
|
|
700
|
195
|
1784
|
1603
|
|
13272
|
9867
|
5960
|
6520
|
21715
|
18185
|
|
|
(iii) From other institutions
and agencies
|
1734
|
1473
|
5123
|
2980
|
|
1879
|
4779
|
28988
|
23836
|
37723
|
33067
|
|
|
4.2. Borrowings outside India
|
|
|
9159
|
15147
|
3907
|
9288
|
|
6878
|
10716
|
6200
|
9981
|
26143
|
45131
|
|
|
5. Other liabilities and provisions
|
|
|
68196
|
71802
|
49633
|
62828
|
|
10780
|
16325
|
28847
|
35864
|
157455
|
186819
|
|
|
Of which,
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(i) Bills Payable
|
|
|
|
18098
|
20384
|
10938
|
12293
|
|
1787
|
2156
|
3605
|
7781
|
34427
|
42613
|
|
|
(ii) Inter-office adjustments
|
|
|
4975
|
7359
|
3617
|
3600
|
|
96
|
21
|
464
|
869
|
9151
|
11849
|
|
|
(iii) Interest accured
|
|
|
24864
|
22088
|
2959
|
4170
|
|
1298
|
1350
|
3074
|
2674
|
32194
|
30282
|
|
|
(iv) Others (including provisions)
|
|
20259
|
18316
|
32119
|
34360
|
|
7599
|
11629
|
21507
|
12636
|
81483
|
76940
|
|
|
Total Liabilities
|
|
|
|
493954
|
549247
|
791281
|
922171
|
|
116383
|
136316
|
295129
|
367276
|
1696746
|
1975020
|
|
|
6. Cash and balances with RBI
|
|
|
19112
|
26162
|
46054
|
58080
|
|
4557
|
7277
|
16340
|
21725
|
86063
|
113244
|
|
|
6.1. Cash in hand
|
|
|
|
1422
|
1629
|
4635
|
4922
|
|
418
|
296
|
1643
|
2119
|
8118
|
8966
|
|
|
6.2. Balances with RBI
|
|
|
17690
|
24533
|
41419
|
53158
|
|
4139
|
6981
|
14697
|
19606
|
77945
|
104278
|
|
|
(i) In current accoount
|
|
|
17690
|
24533
|
35472
|
50552
|
|
4129
|
4540
|
14697
|
19606
|
71988
|
99231
|
|
|
(ii) In other account
|
|
|
0
|
0
|
5947
|
2606
|
|
10
|
2441
|
0
|
0
|
5957
|
5047
|
|
|
7. Balances with banks and money at call and short notice(7.1+7.2)
|
35267
|
27334
|
21887
|
30115
|
|
6344
|
9660
|
11029
|
15115
|
74528
|
82218
|
|
|
7.1. In India (7.1.1+7.2.2)
|
|
|
29414
|
18567
|
15735
|
17576
|
|
3373
|
6223
|
9335
|
11984
|
57859
|
54345
|
|
|
7.1.1. Balances with Banks
|
|
|
4531
|
4047
|
12666
|
13348
|
|
2768
|
5176
|
7463
|
10079
|
27428
|
32648
|
|
|
(i) In current
accoount
|
|
|
777
|
755
|
4262
|
3969
|
|
516
|
808
|
1365
|
2262
|
6920
|
7793
|
|
|
(ii) In other
deposit account
|
|
3754
|
3292
|
8404
|
9379
|
|
2252
|
4368
|
6098
|
7817
|
20508
|
24855
|
|
|
7.1.2 Money at call and shot notice
|
|
24883
|
14520
|
3069
|
4228
|
|
605
|
1047
|
1872
|
1905
|
30431
|
21697
|
|
|
(i) with Banks
|
|
|
|
24883
|
14520
|
2503
|
2804
|
|
386
|
712
|
1515
|
1452
|
29288
|
19486
|
|
|
(ii) with other
institutions
|
|
|
0
|
0
|
566
|
1424
|
|
219
|
335
|
357
|
453
|
1143
|
2211
|
|
|
7.2 Outside India(7.2.1+7.2.2)
|
|
|
5853
|
8767
|
6152
|
12539
|
|
2971
|
3437
|
1694
|
3131
|
16669
|
27873
|
|
|
7.2.1 Balances with Banks
|
|
|
3187
|
2870
|
4542
|
8335
|
|
2793
|
2754
|
1540
|
1845
|
12061
|
15804
|
|
|
(i) In current
accoount
|
|
|
2721
|
2526
|
1445
|
2096
|
|
483
|
712
|
654
|
710
|
5303
|
6044
|
|
|
(ii) In other
deposit account
|
|
466
|
344
|
3097
|
6239
|
|
2310
|
2042
|
886
|
1135
|
6758
|
9760
|
|
|
7.2.2 Money at call and shot notice
|
|
2666
|
5897
|
1610
|
4204
|
|
178
|
683
|
154
|
1286
|
4608
|
12069
|
|
|
Source :
Annual accounts of banks of respective years .
|
|
|
TABLE 3.1 : BANK GROUP-WISE LIABLITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS IN INDIA : 2003 AND 2004 |
|
(Amount in Rs. crore) |
|
|
|
|
|
|
As on March 31 |
|
|
|
|
|
|
|
|
|
|
|
|
Items |
|
|
|
|
State Bank of India |
Nationalised Banks |
Foreign Banks |
Other Scheduled |
All Scheduled |
|
|
|
|
|
|
& its Associates |
Commercial Banks
|
Commercial Banks |
|
|
|
|
|
|
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
|
|
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
|
8. Investments(8.1 + 8.2) |
|
|
223365 |
247775 |
322302 |
377903 |
40796 |
41586 |
106621 |
134802 |
693080 |
802061 |
|
8.1 In India in |
|
|
|
218903 |
243783 |
312136 |
369439 |
40796 |
41266 |
106529 |
134357 |
678359 |
788841 |
|
(i) Government securities |
|
|
187687 |
213606 |
241387 |
293445 |
30808 |
32335 |
72652 |
96141 |
532533 |
635527 |
|
(ii) Other approved securities |
|
5797 |
5753 |
12368 |
11785 |
151 |
172 |
961 |
791 |
19276 |
18500 |
|
(iii) Shares |
|
|
|
1283 |
1121 |
2399 |
2563 |
349 |
453 |
2685 |
2717 |
6714 |
6853 |
|
(iv) Debentures and Bonds |
|
19626 |
18818 |
49168 |
51250 |
9127 |
8097 |
22916 |
22960 |
100836 |
101124 |
|
(v) Subsidiaries and/or joint ventures |
|
1221 |
1465 |
1048 |
1087 |
1 |
0 |
803 |
1348 |
3073 |
3900 |
|
(vi) Others |
|
|
|
3289 |
3020 |
5766 |
9309 |
360 |
209 |
6512 |
10400 |
15927 |
22937 |
|
8.2 Outside India in |
|
|
|
4462 |
3992 |
10166 |
8464 |
0 |
320 |
92 |
445 |
14721 |
13220 |
|
(i) Government securities |
|
381 |
203 |
2772 |
2578 |
0 |
315 |
84 |
97 |
3237 |
3192 |
|
(ii) Subsidiaries and/or joint ventures |
216 |
277 |
391 |
240 |
0 |
0 |
1 |
320 |
609 |
836 |
|
(iii) Others |
|
|
|
3865 |
3512 |
7003 |
5646 |
0 |
5 |
7 |
28 |
10875 |
9192 |
|
9. Advances |
|
|
|
189204 |
220516 |
360147 |
412224 |
52171 |
60507 |
137711 |
170896 |
739231 |
864141 |
|
9A. (i) Bills purchased and discounted |
|
17625 |
20987 |
24273 |
26939 |
5801 |
6437 |
11070 |
14207 |
58769 |
68569 |
|
(ii) Cash credits, overdrafts & loans repayble on loan |
97450 |
99889 |
194231 |
199723 |
21400 |
26830 |
38438 |
45393 |
351518 |
371835 |
|
(iii) Term loans |
|
|
74129 |
99640 |
141643 |
185562 |
24970 |
27240 |
88203 |
111296 |
328944 |
423737 |
|
Total |
|
|
|
189204 |
220516 |
360147 |
412224 |
52171 |
60507 |
137711 |
170896 |
739231 |
864141 |
|
9B. (i) Secured by tangible assets |
|
152064 |
170405 |
287766 |
330302 |
29307 |
35494 |
117712 |
145453 |
586848 |
681654 |
|
(ii) Covered by Bank/Government Guarantees |
13606 |
16231 |
26097 |
26946 |
5872 |
4433 |
8833 |
8786 |
54408 |
56396 |
|
(iii) Unsecured |
|
|
|
23533 |
33880 |
46284 |
54976 |
16993 |
20580 |
11166 |
16657 |
97975 |
126091 |
|
Total |
|
|
|
189203 |
220516 |
360147 |
412224 |
52172 |
60507 |
137711 |
170896 |
739231 |
864141 |
|
9.C.I.Adavances in India |
|
|
175296 |
204609 |
335771 |
387291 |
52171 |
60508 |
137434 |
169584 |
700668 |
821990 |
|
(i) Priority sectors |
|
|
54756 |
67949 |
121508 |
149535 |
11431 |
14058 |
30556 |
45590 |
218250 |
277132 |
|
(ii) Public sectors |
|
|
33866 |
34088 |
58552 |
58981 |
565 |
248 |
8276 |
8052 |
101257 |
101369 |
|
(iii) Banks |
|
|
|
385 |
2552 |
2200 |
1961 |
593 |
398 |
2633 |
1641 |
5810 |
6550 |
|
(iv) others |
|
|
|
86289 |
100020 |
153511 |
176814 |
39582 |
45804 |
95969 |
114301 |
375351 |
436939 |
|
Source : |
Annual accounts of banks of respective years . |
|
|
|
|
|
|
|
|
|
|
TABLE 3.1 : BANK GROUP-WISE LIABLITIES AND ASSETS OF SCHEDULED COMMERCIAL
BANKS IN INDIA : 2003 AND 2004
|
|
(Amount in Rs. crore)
|
|
|
|
|
|
|
As on March 31
|
|
|
|
|
|
|
|
|
|
|
|
Items
|
|
|
|
|
State Bank of India
|
Nationalised Banks
|
Foreign Banks
|
Other Scheduled
|
All Scheduled
|
|
|
|
|
|
|
& its Associates
|
|
|
|
|
|
|
Commercial Banks
|
Commercial Banks
|
|
|
|
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
|
|
|
|
|
(1)
|
(2)
|
(3)
|
|
(4)
|
(5)
|
(6)
|
(7)
|
(8)
|
-9
|
-10
|
|
9.C.II. Adavances Outside India
|
|
|
13909
|
15908
|
24377
|
24933
|
0
|
0
|
276
|
1310
|
38560
|
42149
|
|
(i) Due from Banks
|
|
|
914
|
892
|
4468
|
4709
|
0
|
0
|
0
|
0
|
5382
|
5600
|
|
(ii) Due from
Others
|
|
|
12995
|
15016
|
19909
|
20224
|
0
|
0
|
276
|
1310
|
33178
|
36549
|
|
a) Bills purchased and discounted
|
|
2834
|
5156
|
2576
|
3760
|
0
|
0
|
48
|
650
|
5458
|
9565
|
|
b) Syndicate loans
|
|
|
5734
|
5276
|
6731
|
5711
|
0
|
0
|
0
|
196
|
12464
|
11183
|
|
c) Others
|
|
|
|
4427
|
4584
|
10602
|
10753
|
0
|
0
|
228
|
464
|
15256
|
15801
|
|
Total(9CI+9CII)
|
|
|
|
189205
|
220517
|
360148
|
412224
|
52171
|
60508
|
137710
|
170894
|
739228
|
864139
|
|
10. Fixed Assets (10.1+10.2+10.3)
|
|
2926
|
3349
|
7667
|
8178
|
2184
|
1950
|
9419
|
7926
|
20198
|
21403
|
|
Of which,
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
10.1 Premises
|
|
|
|
818
|
845
|
5392
|
5607
|
1468
|
1306
|
2847
|
3072
|
10525
|
10830
|
|
(i) At cost as
on 31st March of the preceding year
|
1151
|
1215
|
6105
|
6290
|
1335
|
1479
|
2642
|
3028
|
11233
|
12011
|
|
(ii) Additions
during the Year
|
|
66
|
73
|
932
|
1141
|
384
|
201
|
702
|
478
|
2083
|
1893
|
|
(iii) Deductions
during the Year
|
|
2
|
1
|
17
|
9
|
102
|
225
|
228
|
35
|
348
|
269
|
|
(iv) Depreciation
to date
|
|
|
397
|
442
|
1628
|
1815
|
149 |
149
|
269
|
399
|
2443
|
2805
|
|
10.2. Assets under construction
|
|
132
|
150
|
36
|
68
|
5
|
7
|
116
|
122
|
289
|
345
|
|
10.3 Other Fixed assets
|
|
|
1976
|
1843
|
2169
|
2298
|
711
|
560
|
2686
|
2880
|
7544
|
7581
|
|
(i) At cost as
on 31st March of the preceding year
|
4516
|
3579
|
5956
|
6289
|
1588
|
1740
|
4572
|
4420
|
16632
|
16028
|
|
(ii) Additions
during the Year
|
|
652
|
1389
|
997
|
1223
|
452
|
237
|
1115
|
1282
|
3216
|
4130
|
|
(iii) Deductions
during the Year
|
|
111
|
35
|
162
|
246
|
191
|
262
|
319
|
143
|
781
|
686
|
|
(iv) Depreciation
to date
|
|
|
3081
|
3090
|
4622
|
4968
|
1138
|
1155
|
2682
|
2679
|
11523
|
11891
|
|
11.Other Assets
|
|
|
|
24079
|
24122
|
33221
|
35670
|
10328
|
15335
|
16005
|
16813
|
83635
|
91940
|
|
Of which,
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(i) Inter - office adjustments (net)
|
|
392
|
953
|
2683
|
1335
|
276
|
156
|
122
|
73
|
3473
|
2516
|
|
(ii) Interest accrued
|
|
|
7742
|
7513
|
9142
|
10078
|
927
|
1285
|
4546
|
3907
|
22357
|
22783
|
|
(iii) Tax paid in advance/tax deducted at source
|
2305
|
3496
|
4354
|
6321
|
1348
|
1339
|
2779
|
3370
|
10786
|
14525
|
|
(iv) Stationery and Stamps
|
|
|
104
|
106
|
80
|
83
|
7
|
2
|
23
|
26
|
214
|
216
|
|
(v) Others, if any
|
|
|
|
13536
|
12053
|
16956
|
17809
|
7770
|
12503
|
8081
|
8608
|
46343
|
50972
|
|
Total Assets
|
|
|
|
493953
|
549257
|
791281
|
922171
|
116384
|
136316
|
295127
|
367276
|
1696746
|
1975020
|
|
Source :
Annual accounts of banks of respective years .
|