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| (Amount in Rs. lakh)
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| | | | | As on 31st March
|
Items | State Bank of India | Nationalised Banks | Other Scheduled | Foreign Banks | Regional Rural Banks | Total |
| | and its Associates
|
| Commercial Banks
|
|
|
|
| | | | | 1997
| 1998
| 1997
| 1998
| 1997
| 1998
| 1997
| 1998
| 1997
| 1998
| 1997
| 1998
|
|
|
|
| (1)
| (2)
| (3)
| (4)
| (5)
| (6)
| (7)
| (8)
| (9)
| (10)
| (11)
| (12)
|
Number of reporting banks | 8 | 8 | 19 | 19 | 34 | 34 | 33 | 42 | 190 | 196 | 284 | 299 |
| | | | | | | | | | | | | | | | |
Liabilities | | | | | | | | | | | | | |
1. | Capital | | 100720 | 103580 | 1286235 | 1503480 | 128889 | 168902 | 102075 | 177976 | 70348 | 129612 | 1688267 | 2083550 |
2. | Reserves and Surplus | 880608 | 1099968 | 1058295 | 1369869 | 260914 | 359953 | 513691 | 570590 | 19238 | 31157 | 2732746 | 3431537 |
| | 2.1. | Statutory Reserves | 335838 | 505244 | 246353 | 317973 | 73225 | 107385 | 78773 | 100105 | | | 734189 | 1030707 |
| | | (i) | Opening balance | 209363 | 335838 | 185274 | 246352 | 50556 | 74678 | 64932 | 79417 | | | 510125 | 736285 |
| | | (ii) | Additions during the year | 126475 | 169406 | 61079 | 71621 | 22669 | 32707 | 13841 | 20688 | | | 224064 | 294422 |
| | | (iii) | Deductions during the year | - | - | - | - | - | - | - | - | | | - | - |
| | 2.2. | Capital Reserves | 7879 | 33200 | 266542 | 387567 | 12796 | 15005 | 147219 | 125617 | | | 434436 | 561389 |
| | | (i) | Opening balance | 4897 | 7879 | 254408 | 306623 | 11923 | 12470 | 122972 | 118338 | | | 394200 | 445310 |
| | | (ii) | Additions during the year | 2982 | 25321 | 19444 | 87351 | 1284 | 2993 | 24297 | 7960 | | | 48007 | 123625 |
| | | (iii) | Deductions during the year | - | - | 7310 | 6407 | 411 | 458 | 50 | 681 | | | 7771 | 7546 |
| | 2.3. | Share Premium | 372863 | 386347 | 148499 | 195754 | 60902 | 85366 | - | - | | | 582264 | 667467 |
| | | (i) | Opening balance | 246723 | 372863 | 85899 | 157030 | 49034 | 63817 | - | - | | | 381656 | 593710 |
| | | (ii) | Additions during the year | 126141 | 13484 | 75281 | 41345 | 13809 | 24222 | - | - | | | 215231 | 79051 |
| | | (iii) | Deductions during the year | 1 | - | 12681 | 2621 | 1941 | 2673 | - | - | | | 14623 | 5294 |
| | 2.4. | Revenue and other Reserves | 163994 | 175124 | 394986 | 464119 | 109996 | 137316 | 127838 | 143951 | | | 796814 | 920510 |
| | | (i) | Opening balance | 151200 | 165494 | 341469 | 396505 | 83141 | 126102 | 108260 | 128104 | | | 684070 | 816205 |
| | | (ii) | Additions during the year | 15146 | 9630 | 57749 | 72606 | 27000 | 28106 | 29270 | 27047 | | | 129165 | 137389 |
| | | (iii) | Deductions during the year | 2352 | - | 4232 | 4992 | 145 | 16892 | 9692 | 11200 | | | 16421 | 33084 |
| | 2.5. | Balance of Profit | 34 | 53 | 1915 | 4456 | 3995 | 14881 | 159861 | 200917 | | | 165805 | 220307 |
3. | Deposits (3.1+3.2+3.3) | 14789241 | 17360284 | 30143678 | 35812573 | 4977250 | 6951578 | 3728491 | 4287290 | 1736884 | 2218922 | 55375544 | 66630647 |
| | 3.1. | Demand deposits [(i)+(ii)] | 3220627 | 3527678 | 4265326 | 4464471 | 570026 | 792659 | 743166 | 751022 | 85507 | 108160 | 8884652 | 9643990 |
| | | (i) | From banks | 491999 | 550032 | 176736 | 195079 | 18154 | 24178 | 21876 | 25040 | 764 | - | 709529 | 794329 |
| | | (ii) | From others | 2728628 | 2977646 | 4088590 | 4269392 | 551872 | 768481 | 721290 | 725982 | 84743 | 108160 | 8175123 | 8849661 |
| | 3.2. | Savings bank deposits | 3202929 | 3876412 | 7095623 | 8542788 | 586119 | 713332 | 271049 | 304095 | 717557 | 932947 | 11873277 | 14369574 |
| | 3.3. | Time deposits [(i)+(ii)] | 8365685 | 9956194 | 18782729 | 22805314 | 3821105 | 5445587 | 2714276 | 3232173 | 933820 | 1177815 | 34617615 | 42617083 |
| | | (i) | From banks | 307607 | 408327 | 869355 | 1216943 | 464231 | 706211 | 80549 | 142575 | 10525 | 10610 | 1732267 | 2484666 |
| | | (ii) | From others | 8058078 | 9547867 | 17913374 | 21588371 | 3356874 | 4739376 | 2633727 | 3089598 | 923295 | 1167205 | 32885348 | 40132417 |
| | | 3.A. | Deposits of branches in India | 14095857 | 16606027 | 28550600 | 33906902 | 4901269 | 6951578 | 3728491 | 4287290 | 1736883 | 2218923 | 53013100 | 63970720 |
| | | 3.B. | Deposits of branches | | | | | | | | | | | | |
|
|
| outside India
| 693383
| 754258
| 1593079
| 1905672
| 75980
| -
| -
| -
| -
| -
| 2362442
| 2659930
|
| Total (3.A.+3.B.)
| 14789240
| 17360285
| 30143679
| 35812574
| 4977249
| 6951578
| 3728491
| 4287290
| 1736883
| 2218923
| 55375542
| 66630650
|
4. | Borrowings | 797231 | 885090 | 540850 | 506869 | 191318 | 208498 | 746529 | 985465 | 290289 | 324055 | 2566217 | 2909977 |
| | 4.1. | Borrowings in India | 133636 | 118740 | 455042 | 432261 | 185966 | 200167 | 572674 | 757732 | 288941 | 324055 | 1636259 | 1832955 |
| | | (i) | From Reserve Bank of India | 6 | - | 9165 | 25000 | 14944 | 11157 | 70507 | 52208 | 1710 | 2161 | 96332 | 90526 |
| | | (ii) | From other banks | 15563 | 2689 | 94257 | 31107 | 55732 | 40152 | 328057 | 512749 | 80017 | 47375 | 573626 | 634072 |
| | | (iii) | From other institutions and agencies | 118067 | 116051 | 351620 | 376154 | 115290 | 148858 | 174110 | 192775 | 207214 | 274519 | 966301 | 1108357 |
| | 4.2. | Borrowings outside India | 663595 | 766350 | 85808 | 74608 | 5352 | 8331 | 173855 | 227733 | 1348 | - | 929958 | 1077022 |
| | | Secured borrowings included in 4. | 123484 | 98262 | 123575 | 59974 | 8817 | 3574 | 18820 | 18834 | 66316 | 82024 | 341012 | 262668 |
5. | Other liabilities and provisions | 3867782 | 3825793 | 2161441 | 2451137 | 318302 | 417195 | 416856 | 507447 | 246228 | 260241 | 7010609 | 7461813 |
| | | (i) | Bills Payable | 1046090 | 1085003 | 763910 | 834326 | 110810 | 128428 | 107529 | 97519 | 13300 | 13187 | 2041639 | 2158463 |
| | | (ii) | Inter-office adjustments | 96492 | 39824 | 169057 | 108328 | 29887 | 37242 | 46774 | 54792 | 9283 | 12363 | 351493 | 252549 |
| | | (iii) | Interest accrued | 1009786 | 1058971 | 293662 | 347229 | 60260 | 85347 | 103510 | 142869 | 54532 | 65808 | 1521750 | 1700224 |
| | | (iv) | Others (including provisions) | 1715414 | 1641995 | 934812 | 1161254 | 117345 | 166178 | 159043 | 212267 | 169113 | 168883 | 3095727 | 3350577 |
| | | | | | | | | | | | | | | | |
| | Total Liabilities | 20435582 | 23274715 | 35190499 | 41643928 | 5876673 | 8106126 | 5507642 | 6528768 | 2362987 | 2963987 | 69373383 | 82517524 |
6. | Cash and balances with RBI | 1804764 | 1950605 | 3356588 | 4034008 | 552072 | 763910 | 356823 | 410498 | 88248 | 108133 | 6158495 | 7267154 |
| | 6.1. | Cash in hand | 67154 | 69087 | 265657 | 267759 | 58439 | 62775 | 9378 | 12099 | 34985 | 39468 | 435613 | 451188 |
| | 6.2. | Balances with RBI | 1737610 | 1881518 | 3090931 | 3766249 | 493633 | 701135 | 347445 | 398399 | 53263 | 68665 | 5722882 | 6815966 |
| | | (i) | in current account | 1736276 | 1881518 | 3090931 | 3766249 | 493633 | 701135 | 347445 | 398399 | 52448 | 68665 | 5720733 | 6815966 |
| | | (ii) | in other account | 1334 | - | - | - | - | - | - | - | 815 | - | 2149 | - |
7. | Balances with banks and money at | 1858411 | 2210888 | 2054755 | 2569989 | 324014 | 594888 | 434527 | 643780 | 740573 | 959382 | 5412280 | 6978927 |
| | call and short notice (7.1+7.2) | | | | | | | | | | | | |
| | 7.1. | In India (7.1.1+7.1.2) | 288918 | 341427 | 634527 | 566638 | 252037 | 355504 | 122646 | 146083 | 740573 | 959382 | 2038701 | 2369034 |
| | | 7.1.1. Balances with banks | 87418 | 200227 | 299951 | 300854 | 216100 | 304221 | 70611 | 70116 | 590848 | 811646 | 1264928 | 1687064 |
| | | | (i) in current account | 27192 | 38382 | 188279 | 219992 | 50079 | 59317 | 59901 | 53172 | 93509 | 98378 | 418960 | 469241 |
| | | | (ii) in other deposit account | 60226 | 161845 | 111672 | 80862 | 166021 | 244904 | 10710 | 16944 | 497339 | 713268 | 845968 | 1217823 |
| | | 7.1.2. Money at call and short notice | 201500 | 141200 | 334576 | 265784 | 35937 | 51283 | 52035 | 75967 | 149725 | 147736 | 773773 | 681970 |
| | | | (i) with banks | 195500 | 136100 | 271360 | 201787 | 34037 | 41458 | 52035 | 75473 | 146832 | 147736 | 699764 | 602554 |
| | | | (ii) with other institutions | 6000 | 5100 | 63216 | 63997 | 1900 | 9825 | - | 494 | 2893 | - | 74009 | 79416 |
| | 7.2. | Outside India (7.2.1+7.2.2) | 1569493 | 1869461 | 1420228 | 2003351 | 71977 | 239384 | 311881 | 497697 | - | - | 3373579 | 4609893 |
| | | 7.2.1. Balances with banks | 255436 | 290399 | 1001685 | 1449172 | 57024 | 149007 | 285396 | 374214 | - | - | 1599541 | 2262792 |
| | | | (i) in current account | 88373 | 94248 | 135276 | 132947 | 23172 | 36221 | 107335 | 135499 | - | - | 354156 | 398915 |
| | | | (ii) in other deposit account | 167063 | 196151 | 866409 | 1316225 | 33852 | 112786 | 178061 | 238715 | - | - | 1245385 | 1863877 |
| | | 7.2.2. Money at call and short notice | 1314057 | 1579062 | 418543 | 554179 | 14953 | 90377 | 26485 | 123483 | - | - | 1774038 | 2347101 |
| | | | | | | | | | | | | | |
8. | Investments (8.1+8.2) | 6174585 | 7270342 | 12930889 | 15439947 | 1766753 | 2658963 | 1412944 | 1838168 | 377778 | 530983 | 22662949 | 27738403 |
| | 8.1 | In India in | 6063072 | 7048194 | 12640058 | 15067717 | 1764175 | 2645268 | 1412944 | 1838168 | 377778 | 530983 | 22258027 | 27130330 |
| | | (i) | Government securities | 4540548 | 5249212 | 8738373 | 10142166 | 1236912 | 1712052 | 1116007 | 1392580 | | | 15631840 | 18496010 |
| | | (ii) | Other approved securities | 929373 | 904267 | 1833855 | 1802640 | 133281 | 136205 | 28403 | 30119 | | | 2924912 | 2873231 |
| | | (iii) | Shares | 54466 | 85454 | 120573 | 178662 | 19461 | 61312 | 2302 | 31104 | | | 196802 | 356532 |
| | | (iv) | Debentures and Bonds | 418000 | 583009 | 1527457 | 2453892 | 281846 | 589970 | 160609 | 322064 | | | 2387912 | 3948935 |
| | | (v) | Subsidiaries and/or joint ventures | 89410 | 100982 | 72322 | 83923 | 3324 | 5096 | 2948 | 10 | | | 168004 | 190011 |
| | | (vi) | Others | 31275 | 125270 | 347478 | 406434 | 89351 | 140633 | 102675 | 62291 | | | 570779 | 734628 |
| | 8.2 | Outside India in | 111513 | 222148 | 290831 | 372230 | 2578 | 13695 | - | - | - | - | 404922 | 608073 |
| | | (i) | Government securities | 8666 | 15278 | 167388 | 170515 | 2577 | 12879 | - | - | - | - | 178631 | 198672 |
| | | (ii) | Subsidiaries and/or joint ventures | 32504 | 43740 | 11320 | 11371 | - | - | - | - | - | - | 43824 | 55111 |
| | | (iii) | Others | 70343 | 163130 | 112123 | 190344 | 1 | 816 | - | - | - | - | 182467 | 354290 |
9. | Advances | 8290159 | 9756665 | 13734939 | 16233590 | 2806217 | 3544938 | 2652812 | 2929041 | 770974 | 900532 | 28255101 | 33364766 |
| | | (i) | Bills purchased and discounted | 831810 | 998070 | 1388737 | 1512826 | 536646 | 754125 | 296559 | 291013 | 8379 | 6435 | 3062131 | 3562469 |
| | | (ii) | Cash credits, overdrafts & loans | 5306256 | 5972197 | 8358596 | 9323887 | 1572107 | 1894930 | 893797 | 1075401 | 266374 | 323900 | 16397130 | 18590315 |
| | | (iii) | Term loans | 2152093 | 2786398 | 3987606 | 5396877 | 697464 | 895883 | 1462456 | 1562627 | 496221 | 570197 | 8795840 | 11211982 |
10. | Fixed Assets (10.1+10.2+10.3) | 143769 | 181189 | 568802 | 642738 | 176575 | 238060 | 185618 | 198822 | 4049 | 4807 | 1078813 | 1265616 |
| | 10.1 Premises | 51656 | 60322 | 434931 | 494487 | 57688 | 88550 | 137356 | 143209 | | | 681631 | 786568 |
| | | (i) | At cost as on 31st March of the preceding year | 61613 | 69506 | 405402 | 422701 | 41671 | 62346 | 112779 | 143017 | | | 621465 | 697570 |
| | | (ii) | Additions during the year | 7908 | 12262 | 89081 | 146056 | 21999 | 35085 | 29540 | 8865 | | | 148528 | 202268 |
| | | (iii) | Deductions during the year | 14 | 689 | 66 | 976 | 265 | 453 | 114 | 928 | | | 459 | 3046 |
| | | (iv) | Depreciation to date | 17851 | 20757 | 59486 | 73294 | 5717 | 8428 | 4849 | 7745 | | | 87903 | 110224 |
| | 10.2 Assets under construction | 20848 | 20774 | 3621 | 2216 | 605 | 2660 | 1190 | 2272 | | | 26264 | 27922 |
| | 10.3 Other Fixed assets | 71265 | 100093 | 130250 | 146035 | 118282 | 146850 | 47072 | 53341 | | | 366869 | 446319 |
| | | (i) | At cost as on 31st March of the preceding year | 104693 | 143910 | 246614 | 289720 | 121990 | 170318 | 70109 | 88601 | | | 543406 | 692549 |
| | | (ii) | Additions during the year | 40503 | 48087 | 42686 | 50510 | 43785 | 53700 | 21483 | 21096 | | | 148457 | 173393 |
| | | (iii) | Deductions during the year | 1286 | 2356 | 3162 | 5023 | 878 | 5283 | 2916 | 4528 | | | 8242 | 17190 |
| | | (iv) | Depreciation to date | 72645 | 89548 | 155888 | 189172 | 46615 | 71885 | 41604 | 51828 | | | 316752 | 402433 |
11. | Other Assets | 2163896 | 1905028 | 2544526 | 2723654 | 251044 | 305363 | 464914 | 508458 | 381365 | 460150 | 5805745 | 5902653 |
| | (i) | Inter - office adjustments (net) | 451046 | 316285 | 82600 | 191340 | 17100 | 5374 | 40104 | 53217 | 13405 | 18497 | 604255 | 584713 |
| | (ii) | Interest accrued | 329376 | 403626 | 507996 | 598571 | 66204 | 95442 | 67764 | 83266 | 59264 | 90504 | 1030604 | 1271409 |
| | (iii) | Tax paid in advance/ Tax deducted at source | 277740 | 193165 | 453379 | 426726 | 51253 | 54718 | 58138 | 74837 | 451 | - | 840961 | 749446 |
| | (iv) | Stationery and Stamps | 9032 | 9633 | 9910 | 9882 | 1714 | 1769 | 559 | 694 | 1345 | - | 22560 | 21978 |
| (v)
| Others if any
| 1096702
| 982319
| 1490641
| 1497135
| 114773
| 148060
| 298349
| 296444
| 306900
| 351149
| 3307365
| 3275107
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| Total Assets
| 20435584
| 23274717
| 35190499
| 41643926
| 5876675
| 8106122
| 5507638
| 6528767
| 2362987
| 2963987
| 69373383
| 82517524
|