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Date : Sep 14, 1999

Table 48 : Liabilities and Assets of Scheduled Commercial Banks - 1997-98 (Part 1 of 11)

STATE BANK OF INDIA AND ITS ASSOCIATES

												(Amount in Rs. lakh)
				As on 31st March
				State Bank		State Bank of		State Bank		State Bank		State Bank
Items				of India		Bikaner and Jaipur		of Hyderabad		of Indore		of Mysore
				1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
				(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)
1.	Capital			52630	52630	3640	5000	1725	1725	1750	1750	3600	3600
				(0.3)	(0.3)	(0.4)	(0.6)	(0.2)	(0.2)	(0.5)	(0.4)	(0.7)	(0.6)

2.	Reserves and Surplus			745087	908188	15708	29412	27968	37205	12487	15024	13988	18170
				(4.8)	(5.1)	(1.9)	(3.5)	(3.0)	(3.5)	(3.6)	(3.7)	(2.6)	(3.1)
	2.1.	Statutory Reserves		281091	432146	4022	6737	7323	10236	4271	6444	2951	4751
	2.2.	Capital Reserves		5171	17217	76	1056	-	1018	-	213	-	833
	2.3.	Share Premium		351057	351057	4680	10664	-	-	4375	4375	6000	6000
	2.4.	Revenue and other Reserves		107735	107735	6929	10954	20645	25951	3841	3991	5037	6586
	2.5.	Balance of Profit		33	33	-	-	-	-	1	1	-	-

3.	Deposits			11070117	13109132	539766	652536	723751	864862	279715	336878	436622	476857
				(70.7)	(73.0)	(66.3)	(76.6)	(76.8)	(81.5)	(80.4)	(82.3)	(80.2)	(81.3)
	3.1.	Demand deposits		2564646	2781365	88952	111666	144986	168324	60602	62030	73650	74548
		(i)	From banks	397331	440039	9263	14084	24730	21082	12665	13202	12949	11696
		(ii)	From others	2167315	2341326	79688	97582	120256	147242	47938	48828	60701	62852
	3.2.	Savings bank deposits		2402813	2920785	138280	169793	143401	171588	68759	87009	94782	106049
	3.3.	Term deposits		6102658	7406983	312534	371077	435364	524950	150353	187840	268190	296260
		(i)	From banks	257803	347018	8088	10719	11709	18745	1275	1356	5616	5458
		(ii)	From others	5844855	7059964	304446	360358	423656	506205	149077	186484	262574	290802
	3.A.	Deposits of branches in India		10376734	12354874	539766	652536	723751	864862	279715	336878	436622	476857
	3.B.	Deposits of branches outside India		693383	754258	-	-	-	-	-	-	-	-

4.	Borrowings			696053	809345	9370	11163	12152	14247	5266	4121	29558	9682
				(4.4)	(4.5)	(1.2)	(1.3)	(1.3)	(1.3)	(1.5)	(1.0)	(5.4)	(1.7)
	4.1.	Borrowings in India		88345	83757	1624	1363	10697	13011	3177	3368	18488	5893
		(i)	From Reserve Bank of India	6	-	-	-	-	-	-	-	-	-
		(ii)	From other banks	1	80	336	76	-	-	-	-	15226	2529
		(iii)	From other institutions and agencies	88337	83677	1289	1287	10697	13011	3177	3368	3262	3364
	4.2.	Borrowings outside India		607708	725587	7745	9799	1455	1237	2089	752	11070	3789

5.	Other liabilities			3083431	3087972	245805	154182	177295	143764	48823	51548	60983	77986
				(19.7)	(17.2)	(30.2)	(18.1)	(18.8)	(13.5)	(14.0)	(12.6)	(11.2)	(13.3)
	5.1.	Bills payable		840353	875494	56945	45348	43370	37603	16804	14743	14755	30861
	5.2.	Inter-office adjustments		-	-	38803	6868	35932	12325	4886	4929	-	-
	5.3.	Interest accrued		733768	761988	49374	51982	58692	51618	21084	24290	29325	28930
	5.4.	Others (including provisions)		1509310	1450490	100683	49984	39301	42218	6050	7587	16903	18195
		Total Liabilities		15647318	17967267	814289	852292	942891	1061804	348041	409321	544751	586296
				(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

											(Amount in Rs. lakh)
				As on 31st March
Items				State Bank of India		State Bank of Bikaner and Jaipur		State Bank of Hyderabad		State Bank of Indore		State Bank of Mysore
				1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
				(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)
1.	Cash in hand			49325	50815	2349	2259	3165	3309	1659	1477	2791	3520
				(0.3)	(0.3)	(0.3)	(0.3)	(0.3)	(0.3)	(0.5)	(0.4)	(0.5)	(0.6)
2.	Balances with RBI			1035393	1290642	172546	74452	162896	165406	51676	41491	60783	56339
				(6.6)	(7.2)	(21.2)	(8.7)	(17.3)	(15.6)	(14.8)	(10.1)	(11.2)	(9.6)
3.	Balances with banks in India			61278	110444	9190	53918	924	1846	2170	2820	3308	7042
				(0.4)	(0.6)	(1.1)	(6.3)	(0.1)	(0.2)	(0.6)	(0.7)	(0.6)	(1.2)
4.	Money at call and short notice			1479745	1645094	-	-	-	-	-	-	10000	-
				(9.5)	(9.2)	-	-	-	-	-	-	(1.8)	-
5.	Balances with banks outside India			149534	167588	14283	8600	14459	18198	2987	3145	6915	16094
				(1.0)	(0.9)	(1.8)	(1.0)	(1.5)	(1.7)	(0.9)	(0.8)	(1.3)	(2.7)
6.	Investments			4682756	5498224	228177	282716	293092	369460	109255	149850	177918	191152
				(29.9)	(30.6)	(28.0)	(33.2)	(31.1)	(34.8)	(31.4)	(36.6)	(32.7)	(32.6)
	6.A.	Investments in India		4571243	5276078	228177	282716	293092	369460	109255	149850	177918	191152
		(i)	Government securities	3397309	3902451	163819	204993	231971	287973	90320	120905	130716	138578
		(ii)	Other approved securities	747161	715797	37710	39097	25293	25403	13984	13999	22142	22664
		(iii)	Shares	44845	69383	1225	5560	2439	2087	1017	1056	1176	1359
		(iv)	Debentures and bonds	292340	413231	25341	32956	24030	33872	2296	11265	17521	24117
		(v)	Subsidiaries and joint ventures	87380	98701	79	105	276	500	-	-	975	975
		(vi)	Others	2208	76515	5	5	9084	19624	1639	2625	5387	3459
	6.B.	Investments outside India		111513	222146	-	-	-	-	-	-	-	-
		(i)	Government securities	8666	15276	-	-	-	-	-	-	-
		(ii)	Subsidiaries and joint ventures	32504	43740	-	-	-	-	-	-	-
		(iii)	Others	70343	163130	-	-	-	-	-	-	-
7.	Advances			6223320	7423733	301182	366048	404100	463019	160696	190165	240685	263199
				(39.8)	(41.3)	(37.0)	(42.9)	(42.9)	(43.6)	(46.2)	(46.5)	(44.2)	(44.9)
	7.1.	Bills purchased and discounted		665641	793347	24720	30362	25226	39749	17939	20451	27964	30333
	7.2.	Cash credits, overdrafts & loans		3847211	4355346	206696	248937	286874	315085	96013	114531	171430	177888
	7.3.	Term loans		1710468	2275040	69766	86750	92000	108186	46745	55184	41291	54978
8.	Fixed Assets			117092	150632	4078	4587	5963	7811	2457	2737	2599	2954
				(0.7)	(0.8)	(0.5)	(0.5)	(0.6)	(0.7)	(0.7)	(0.7)	(0.5)	(0.5)
	8.1.	Premises		41138	49229	1874	1921	2265	2399	847	838	1077	1060
	8.2.	Fixed assets under construction		20491	20508	-	-	-	-	188	211	-	-
	8.3.	Other fixed assets		55463	80895	2204	2666	3698	5411	1422	1689	1522	1894
9.	Other Assets			1848875	1630096	82483	59712	58290	32755	17140	17635	39752	45996
				(11.8)	(9.1)	(10.1)	(7.0)	(6.2)	(3.1)	(4.9)	(4.3)	(7.3)	(7.8)
	9.1.	Inter - office adjustments (net)		425882	292435	-	-	-	-	-	-	13897	9271
	9.2.	Interest accrued		247414	300548	12839	16325	13192	17837	4907	6047	11016	12952
	9.3.	Tax paid		241714	164734	5154	3920	6079	1219	4315	4281	2107	2855
	9.4.	Stationery and stamps		6620	7254	391	426	640	494	217	208	318	303
	9.5.	Others		927246	865124	64100	39042	38379	13206	7702	7100	12413	20614
	Total Assets			15647318	17967267	814289	852292	942891	1061804	348041	409321	544751	586296
				(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
				As on 31st March
Items				State Bank of Patiala		State Bank of Saurashtra		State Bank of Travancore
				1997	1998	1997	1998	1997	1998
				(11)	(12)	(13)	(14)	(15)	(16)
1.	Capital			2475	2475	31400	31400	3500	5000
				(0.3)	(0.3)	(6.4)	(6.0)	(0.4)	(0.5)

2.	Reserves and Surplus			40808	54192	7178	7617	17384	30159
				(4.7)	(5.6)	(1.5)	(1.5)	(2.2)	(3.3)
	2.1.	Statutory Reserves		23275	29770	3739	3739	9166	11419
	2.2.	Capital Reserves		2633	9522	-	439	-	2904
	2.3.	Share Premium		-	-	-	-	6750	14250
	2.4.	Revenue and other Reserves		14900	14900	3440	3440	1467	1567
	2.5.	Balance of Profit		-	-	-	-	-	18

3.	Deposits			722935	773743	369967	399470	646369	746806
				(83.4)	(80.3)	(75.2)	(76.8)	(83.0)	(81.8)
	3.1.	Demand deposits		144093	159939	70495	72939	73201	96868
		(i)	From banks	8816	10089	10052	12579	16193	27261
		(ii)	From others	135278	149850	60443	60360	57009	69607
	3.2.	Savings bank deposits		156973	180490	66656	82460	131265	158238
	3.3.	Term deposits		421869	433313	232815	244071	441903	491700
		(i)	From banks	395	925	5519	8526	17202	15580
		(ii)	From others	421473	432388	227296	235546	424701	476120
	3.A.	Deposits of branches in India		722935	773743	369967	399470	646369	746806
	3.B.	Deposits of branches outside India		-	-	-	-	-	-

4.	Borrowings			13895	2404	21776	21529	9164	12600
				(1.6)	(0.2)	(4.4)	(4.1)	(1.2)	(1.4)
	4.1.	Borrowings in India		1430	2404	2416	1890	7461	7053
		(i)	From Reserve Bank of India	-	-	-	-	-	-
		(ii)	From other banks	-	-	-	-	-	4
		(iii)	From other institutions and agencies	1430	2404	2416	1890	7460	7049
	4.2.	Borrowings outside India		12465	-	19360	19639	1703	5547

5.	Other liabilities			87125	131244	61719	60352	102601	118745
				(10.0)	(13.6)	(12.5)	(11.6)	(13.2)	(13.0)
	5.1.	Bills payable		33613	38837	9853	8710	30397	33407
	5.2.	Inter-office adjustments		-	-	16872	13923	-	1779
	5.3.	Interest accrued		46641	54893	28338	30784	42565	54487
	5.4.	Others (including provisions)		6871	37513	6657	6935	29639	29072
	Total Liabilities			867237	964057	492040	520368	779017	913310
				(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

											(Amount in Rs. lakh)
					As on 31st March
Items					State Bank of Patiala				State Bank of Saurashtra				State Bank of Travancore
					1997		1998		1997		1998		1997		1998
					(11)		(12)		(13)		(14)		(15)		(16)
1.	Cash in hand				3146		2866		1567		1500		3153		3341
					(0.4)		(0.3)		(0.3)		(0.3)		(0.4)		(0.4)
2.	Balances with RBI				139634		144853		40089		47458		74594		60876
					(16.1)		(15.0)		(8.1)		(9.1)		(9.6)		(6.7)
3.	Balances with banks in India				3124		5802		4579		8507		2844		9848
					(0.4)		(0.6)		(0.9)		(1.6)		(0.4)		(1.1)
4.	Money at call and short notice				-		16500		25812		32168		-		26500
					-		(1.7)		(5.2)		(6.2)		-		(2.9)
5.	Balances with banks outside India				16983		16528		18096		14745		32179		45503
					(2.0)		(1.7)		(3.7)		(2.8)		(4.1)		(5.0)
6.	Investments				266224		295087		154540		153773		262621		330078
					(30.7)		(30.6)		(31.4)		(29.6)		(33.7)		(36.1)
	6.A.	Investments in India			266224		295087		154540		153773		262621		330078
		(i)	Government securities		194068		203305		119039		119936		213307		271071
		(ii)	Other approved securities		44611		48550		9357		9436		29116		29320
		(iii)	Shares		1255		1859		1489		1734		1020		2416
		(iv)	Debentures and bonds		23756		31675		19447		20049		13269		15843
		(v)	Subsidiaries and joint ventures		35		35		665		665		-		-
		(vi)	Others		2500		9662		4543		1952		5909		11428
	6.B.	Investments outside India			-		-		-		-		-		-
		(i)	Government securities	-		-		-		-		-		-
		(ii)	Subsidiaries and joint ventures	-		-		-		-		-		-
		(iii)	Others	-		-		-		-		-		-
7.	Advances				378713		410542		215531		239875		365930		400082
					(43.7)		(42.6)		(43.8)		(46.1)		(47.0)		(43.8)
	7.1.	Bills purchased and discounted			27165		31057		18954		17000		24200		35771
	7.2.	Cash credits, overdrafts & loans			268491		293315		166689		184873		262852		282222
	7.3.	Term loans			83058		86170		29888		38002		78878		82089
8.	Fixed Assets				4658		4986		2523		2764		4397		4719
					(0.5)		(0.5)		(0.5)		(0.5)		(0.6)		(0.5)
	8.1.	Premises			2207		2224		904		1125		1343		1527
	8.2.	Fixed assets under construction			-		-		168		56		-		-
	8.3.	Other fixed assets			2451		2762		1451		1584		3054		3191
9.	Other Assets				54755		66893		29303		19579		33299		32362
					(6.3)		(6.9)		(6.0)		(3.8)		(4.3)		(3.5)
	9.1.	Inter - office adjustments (net)			4500		14578		-		-		6767		-
	9.2.	Interest accrued			14905		20190		8272		8500		16831		21227
	9.3.	Tax paid			6797		4147		5040		6848		6535		5161
	9.4.	Stationery and stamps			269		334		196		225		382		390
	9.5.	Others			28284		27644		15795		4007		2783		5584
	Total Assets				867237		964057		492040		520368		779017		913310
					(100.0)		(100.0)		(100.0)		(100.0)		(100.0)		(100.0)

Note	:	Figures in bracket indicate percent share in total.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.