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REGULATING COMMERCIAL BANKING

Banks are fundamental to the nation's financial system. The central bank has a critical role to play in ensuring the safety and soundness of the banking system-and in maintaining financial stability and public confidence in this system.

Press Release


PDF document (267 kb)
Date : Jan 16, 2019
Scheduled Banks’ Statement of Position in India as on Friday, January 04, 2019
(Amount in Billions of ₹)
    SCHEDULED COMMERCIAL BANKS
(Including RRBs and SFBs)
ALL SCHEDULED BANKS
    05-JAN-2018 21-DEC-2018 * 04-JAN-2019 * 05-JAN-2018 21-DEC-2018 * 04-JAN-2019 *
I LIABILITIES TO THE BKG.SYSTEM (A)            
  a) Demand & Time deposits from bks. 1441.12 1517.85 1586.25 1490.83 1560.64 1628.57 **
  b) Borrowings from banks 654.01 938.56 717.13 656.27 939.86 722.08
  c) Other demand & time liabilities 65.36 95.75 163.62 67.07 96.89 165.2
II LIABILITIES TO OTHERS (A)            
  a) Deposits (other than from banks) 109489.22 118162.72 120340.34 112465.37 121190.32 123415.5
  i) Demand 11171.24 11899.13 12336.34 11450 12174.62 12622.39
  ii) Time 98317.98 106263.59 108003.87 101015.37 109015.69 110792.97
  b) Borrowings @ 3360.92 3574.99 3668.11 3403.05 3617.83 3709.95
  c) Other demand & time liabilities 4868.61 5370.92 4836.69 4962.26 5461.48 4924.43
III BORROWINGS FROM R.B.I. (B) 618.35 1779.89 1174.74 618.35 1779.89 1174.74
  Against usance bills and / or prom. Notes 0 0 0 0 0 0
IV CASH 619.15 692.18 663.58 635.87 709.66 680.04
V BALANCES WITH R.B.I. (B) 4485.57 4821.14 4824.9 4607.27 4941.06 4945.85
VI ASSETS WITH BANKING SYSTEM            
  a) Balances with other banks            
  i) In current accounts 121.87 145.59 131.34 144.26 165.2 150.98
  ii) In other accounts 1579.45 2018.67 2080.16 1729.91 2205.38 2266.07
  b) Money at call & short notice 193.64 340.9 239.45 377.84 473.16 380.15
  c) Advances to banks(i.e. due from bks.) 261.14 315.04 316 262.21 321.6 322.52 £
  d) Other assets 185.92 299.08 300.63 242.56 340.49 342.7
VII INVESTMENTS (At book value) 33881.25 33479.2 33861.24 34839.98 34399.18 34791.93
  a) Central & State Govt. securities+ 33864.51 33465.68 33828.76 34769.7 34329.67 34704.03
  b) Other approved securities 16.74 13.52 32.47 70.27 69.51 87.89
VIII BANK CREDIT (Excluding Inter Bank Advance) 81527.67 92876.37 93384.36 84033.92 95628.72 96149.41
  a) Loans, cash credits & Overdrafts $ 79383.43 90717.87 91135.38 81831.38 93368.92 93852.61
  b) Inland Bills purchased 186.06 193.17 206.53 205.81 207.09 220.02
  c) Inland Bills discounted 1308.64 1380.29 1423.62 1340.14 1458.8 1448.89
  d) Foreign Bills purchased 243.58 226.38 223.35 246.33 229.55 226.87
  e) Foreign Bills discounted 405.97 358.71 395.47 410.27 364.42 401.01
NOTE
* Provisional figures incorporated in respect of such banks as have not been able to submit final figures.
(A) Demand and Time Liabilities do not include borrowings of any Scheduled State Co-operative Bank from State Government and any reserve fund deposits maintained with such banks by any co-operative society within the areas of operation of such banks.
** This excludes deposits of Co-operative Banks with Scheduled State Co-operative Banks. These are included under item II (a).
@ Other than from Reserve Bank, National Bank for Agriculture and Rural Development and Export Import Bank of India.
(B) The figures relating to Scheduled Commercial Banks' Borrowings in India from Reserve Bank and balances with Reserve Bank are those shown in the statement of affairs of the Reserve Bank. Borrowings against usance bills and/ or promissory notes are under Section 17(4)(c) of the Reserve Bank of India Act, 1934. Following a change in the accounting practise for LAF transactions with effect from July 11, 2014, as per the recommendations of Malegam Committee formed to review the Format of Balance Sheet and the Profit and Loss Account of the Bank, the transactions in case of Repo/ Term Repo/MSF are reflected under "Borrowings from RBI".
£ This excludes advances granted by Scheduled State Co-operative Banks to Co-operative banks. These are included under item VIII (a).
+ Includes Treasury Bills, Treasury Deposits, Treasury Savings Certificates and postal obligations.
$ Includes advances granted by Scheduled Commercial Banks and State Co-operative Banks to Public Food Procurement Agencies (viz. Food Corporation of India, State Government and their agencies under the Food consortium).

Food Credit Outstanding as on
(₹ in Billions)
Date 05-Jan-18 21-Dec-18 04-Jan-19
Scheduled Commercial Banks 574.9 773.42 723.41
State Co-operative Banks 191.47 230.27 230.27

The expression ' Banking System ' or ' Banks ' means the banks and any other financial institution referred to in sub-clauses (i) to (vi) of clause (d) of the explanation below Section 42(1) of the Reserve Bank of India Act, 1934.

No. of Scheduled Commercial Banks as on Current Fortnight: January 04, 2019: 148

Ajit Prasad
Assistant Adviser

Press Release : 2018-2019/1668


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