ANNEXURES

1.     FORMS: BSR-1A
                      BSR-1B
                      BSR-2

2. SUBMISSION OF BSR 1 & 2 DATA IN SOFT FORM - RECORD LAYOUTS:
                     BSR-1A
                     BSR-1B
                     BSR-2

3. MAJOR CHANGES IN THIS (SEVENTH) EDITION AS COMPARED TO LAST (SIXTH) EDITION: LIST OF CHANGES
CONCORDANCE TABLE FOR BSR-1A OCCUPATION CODES 2008 AND 2002 CONCORDANCE  TABLE  FOR BSR-1B ITEM CODES 2008 AND 2002

4. LIST OF STATISTICAL RETURNS TO BE SUBMITTED TO THE RESERVE BANK OF INDIA UNDER BSR SYSTEM

Annexure - 2

Submission of BSR 1 & 2 data in soft form

While forwarding the data, banks should adhere to the following :

1. The data may be submitted using a Compact Disk (CD) or preferably sent by email to the concerned DESACS Office as given in the table on page …..

2. Data should be copied in ASCII mode.

3. Record layout of BSR-1A, BSR-1B and BSR-2 returns should be checked before submission of data.

4. The CD should be DOS/ Windows-formatted and should not be UNIX-formatted. If data is copied on compressed form, the name of the software should be mentioned.

5. Media should be preferably new, not re-used many times, to avoid I/O error.

6. Before sending the media to Reserve Bank of India, banks should test the readability of the media by copying the data on one/two systems.

7. In case amended data of few branches are re-submitted, that should be submitted as a separate file and should not be clubbed with data of other branches. This should be clearly mentioned while forwarding the data.

Banks should also ensure that the following particulars are given on the physical label of each media in addition to details, as described above, given in their forwarding letter:

1. Name of the Bank                                                    :

2. Physical identification of the Media (Serial No.)          :

3. Recording mode                                                      : ASCII

4. Period of Data                                                         :

5. Type of Data (BSR-1A/1B/2)                                     :

6. Lot number                                                             :

7. Number of Branches covered in the Lot                     :

In the case of multiple files, items 5 to 7 should be provided separately for each file.

It is, however, desirable, that banks should furnish the data in soft form. While forwarding the data, banks should give the following particulars in their forwarding letter                               :

i) Period of Data                                                         :
ii) Type of Data (BSR-1A/1B/2)                                    :

iii) Lot number                                                           :

iv) Total number of Branches of the Bank

(including administrative offices)                                  :

v) Total Number of Branches to report credit data
(BSR-1A or 1B)                                                         :

vi) Total Number of Branches to report deposit data
(BSR-2)                                                                     :

vii) Total Deposits of the Bank : viii) Total Credit of the Bank : ix) Number of Branches covered in the Lot   :

x) Total Deposits/Credit of reporting branches covered in the lot                                                             :

xi) Total Staff of the Bank (in case of BSR-2 Return)                                                                              :

xii) Total Staff of the Bank of reporting branches covered in the lot (in case of BSR-2 Return)                    :

Basic Statistical Returns Processing System BSR -1A RETURN

Input Record Design for BSR -1A

( For March 2008 Survey onwards)

1.   For a given Uniform Code Part – I, one account per record.

2.   Record size : 72 bytes.

N – Numeric AN – Alphanumeric

Notes: -

1)   All Alphanumeric fields should be entered with leading zeros wherever required (e.g. Code No. “011” should not be entered as “ 11. ” or “ .11 ” or “ 11 ”. All the three digits including the leading zero should be entered).

2)   The page number and serial number needs to be entered separately only if the data is transcribed from a paper return. In case of directly capturing the data from a computerised system, the page and serial numbers may be combined and used as a serial number (8-digits : byte position: 18 – 25)

3)   The rate of interest should be entered as 4 digit alphanumeric field with leading / trailing zeros wherever required e.g . 6.0 □ 0600, 16.5 □ 1650, 5.25 □ 0525, 21.0 □ 2100 etc.

Basic Statistical Returns Processing System BSR - 1B RETURN

Input Record Design for BSR-1B

( For March 2008 Survey onwards )

1. Data for an item are required to be entered row-wise. Each item should be entered as a separate record of 85 bytes. If for an item, no data are reported in a particular column, that column should be left blank (i.e. the byte positions for that column will be blanks) and data for other columns should be entered in the appropriate byte positions. In case no data are reported against an item the corresponding row should not be used for data entry.

2. Record size : 85 bytes

N – Numeric AN – Alphanumeric

Notes: -

1)  All Alphanumeric fields should be entered with leading zeros wherever required (e.g. Code No. “011” should not be entered as “ 11 . ” or “ .11 ” or “ 11 ”. All the three digits including the leading zero should be entered).

2)  The Data reported under the blocks Asset classification, Gender classification, Security position, Interest rate classification, Interest rate flag and Summary of BSR-1 are also to be entered with corresponding item codes.

3)  In Summary of BSR-1 block, for item codes 990,991 & 992; data column 3 to 5 (serial no. 9 to 11) and for item code 999; data column 5 (serial no. 11) are only relevant.

Basic Statistical Return Processing System

BSR - 2 RETURN

Input Record Design for BSR - 2

( For March 2008 Survey onwards )

1. Data for an item are required to be entered row wise. Each item should be entered as a separate record of 85 bytes. If for an item no data are reported in a particular column, that column should be left blank (i.e. the byte positions for that column will be blanks) and data for other columns should be entered in the appropriate byte positions. In case no data are reported against an item the corresponding row should not be used for data entry.

2. Record size: 85 bytes

N – Numeric  AN – Alphanumeric

Notes: -

1. For Item Codes 100 & 101 Data Columns 2 to 5 are relevant, for Item Codes 800 & 900 Data Columns 6 & 7 are relevant and Item Code 999 Data Column 7 is relevant; and for other items in PART I and PART II to V Data Columns 2 to 7 are relevant.

Annexure – 3

MAJOR CHANGES IN THIS (SEVENTH) EDITION AS COMPARED
TO LAST (SIXTH) EDITION

ON BSR 1&2 RETURNS (2008) : SUMMARY.

List of changes

1) The BSR 1 & 2 are the annual surveys and the reference date of for these returns is March 31. The data on credit and deposits as per Form-A, Section-42(2) return, which are collected in BSR-1B and BSR-2 respectively, for consistency and dimensional checks, is to be reported as on 31st March, instead of as on last Friday of March, for better comparison with BSR-1 and BSR-2.

2) Cut-off Credit limit of Rupees 2 lakhs for reporting individual accounts in BSR-1A kept unchanged.

3) The latest district code list, as on the date of this Handbook, is included (List-A).

4) The population-group codes as Rural, Semi-Urban, Urban and Metropolitan are included in List-B. There is no change in the definition/ cut-off limit for the population groups.

5) New Type of Accounts, viz., ‘General Credit Cards (GCC)’, ‘Kisan Credit Card-Production’ & ‘Kisan Credit Card-Investment’ and ‘Other Credit Cards’ have been included along with the existing ‘Personal Credit Cards’ (list-C)

6) Organization codes, based on the ownership of the borrower, have been re-structured (List-D).

a) Financial and Non-Financial organizations have been separately defined under Public, Private and Co-operative Sectors.

b) Separate codes have been included for Self Help Groups (SHGs)/ Micro-Finance Institutions (MFIs).

c) ‘Private Corporate – Others’ have been renamed as ‘Household Sector –Others’ and moved with ‘Individuals – Male & Female’ under the ‘Household Sector’.

d) The ‘Household Sector – Others’ also comprises ‘Joint Liability Groups (JLGs).’

e) Proprietary concerns, partnership firms and Joint families (HUF) have been put separately under the ‘Household sector’.

f) Non-Profit Institutions Serving Households have been added (NPSHI). Since the nature of Non-Profit Institutions Serving Households (Non-Government) (NPISH) is different from government, corporate sector as well as household sector, NPISH has been introduced as a separate entity. On the other hand, the NPISB/ NPISE (serving business/ enterprise) affects the output / working of the corporate sector directly, these are taken as a part of the private corporate sector, as earlier.

g) The ‘Foreign Government and Foreign Banks’ has been renamed as ‘NonResident’, which would include Foreign Governments, Foreign Consulates, Embassies, Trade Missions, Non-resident companies/ Institutions/ Firms/ Societies/ Individuals, etc.

h) ‘Joint Sector’ has been removed. The units should be classified in public or private sector.

7) Activity / Occupation codes have been restructured (List-E).

a) The Division 95 for ‘Personal Loans’ has been divided into two separate groups, viz., ‘Personal loans to staff’ and ‘Personal loans to individuals other than staff members’.

b) Repair and maintenance services carried out by entities other than the manufacturer or the seller have been grouped under the Section 93: ‘Other Service Activities’ with a separate (new) group ‘Repair and Maintenance Services’.

c) The Indirect Finance to Agriculture has been re-structured as per the latest RPCD circulars.

d) Loans to RRBs have been grouped separately for on-lending to agriculture and allied activities and for other purposes.

e) Loans to Non-Banking Financial Companies (NBFCs) are classified as per on-lending to agriculture and allied activities, small and
micro enterprises, housing sector, educational purposes and other general purposes.

f) New codes have been introduced to capture data on Indirect Finance to Housing and Small Enterprises sectors.

g) New occupations have been included for diversified activities of SHGs/ MFIs.

h) Other changes in the Occupation codes include modifications in the description, merger of a few codes, sub-division of codes, deletion of a few codes, addition of a few codes, etc. The concordance table between BSR-2002 and BSR-2008 occupation codes describes the details.

8) A new ‘Category of Borrowers’, based on the size of the borrowing unit, has been introduced in place of ‘Nature of Borrowal Account’ (List-F). Following the recent changes in the definition of the small and micro enterprises (Small Enterprises sector), the Micro, Small, and Medium Enterprises engaged in Manufacturing as well as Business/Trade & Services have been included. This will help to capture data on Micro, Small and Medium Enterprises (SMEs). New categories of borrowers for agriculture and allied activities have also been included.

9)  The asset classification code remains the same as Standard, Sub-Standard, Doubtful and Loss Assets, which are based the latest RBI circulars issued time to time (List-G).

10) A new parameter ‘Security pledged/ Guarantee Status for loans’ has been introduced to capture the secured/unsecured loans (List-H).

11) A flag to capture ‘Fixed / Floating rate of interest on loans’ has been included (List -I).

12) In view of the changes proposed in BSR-1A, the format of BSR-1B is also revised.

13) The format of BSR 1B has also been suitably revised. Accounts with credit limits of Rs. 2 lakh or less are to be consolidated according to specified occupational categories for loans up to Rs. 25000/- and Rs. 25000/- to Rs.2 lakh credit limit size groups separately.

a) New 3-digit BSR-1B item codes have been given which are independent of BSR-1A occupation codes.

b)  ‘Personal Loans’ has been divided into two separate groups, viz., ‘Personal loans to staff’ and ‘Personal loans to individuals other than staff members’.

c) New codes have been introduced to capture data on Finance to SHGs/ MFIs as well as Indirect Finance to Housing and Small Enterprises sectors.

d)  Provisions have been made to capture data on Manufacturing Enterprises as well as Business/ Trade & Service Enterprises

e) A relationship table of BSR-1A codes vis-a-vis BSR-1B codes have also been provided for easy compilation.

f) Asset classification of accounts under BSR-1B and Gender classification of individual accounts under BSR-1B have been retained.

g) Blocks have been included for Interest rate ranges, Secured/ Un-secured loans and Fixed/ Floating rate of interest.

h) Summary of BSR-1 (1A & 1B), including bank credit reported in Form–A return under section 42(2), are to be reported for consistency purposes.

14) Concordance tables have been provided for relationship between BSR-1A occupation codes and BSR-1B items code of 2002 and 2008 respectively.

15) The Public Sector Banks should also report data on their credit card business in BSR-1 return. The credit card data should be submitted in a separate file, indicating whether the same has been included in the main BSR-1 return or not.

a) Collection of data from Public Sector Banks on credit cards, maintained through their own departments, in BSR-1 return.

b) Collection of data from Public Sector Banks on credit cards, managed through their subsidiaries, in BSR-1 return.

16) In BSR-2 return, no change has been made except the change in reference date for collecting data on deposits as per Form-A, Section-42(2) return, as on 31st March.

Concordance Table : BSR-1A Occupation Codes 2008 and 2002

Concordance Table : BSR-1B Item Codes 2008 and 2002

ANNEXURE - 4

List of Statistical Returns to be submitted to the Reserve Bank of India under the Basic Statistical Returns (BSR) System