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Draft Vision Document for Urban Co-operative Banks - Structures and Spread of UCBs

4. Structures and Spread of UCBs

4.1. In terms of geographical spread, UCBs are unevenly distributed across the states. Five states viz., Maharashtra, Gujarat, Karnataka, Andhra Pradesh and Tamil Nadu account for 1523 out of 1924 banks that presently comprise the sector. Further, the UCBs in these states account for approximately 82% of the deposits and advances of the sector as may be seen from the table below:

Name of the State

No of banks in operation

% to total no. of banks

Deposits(Rupees in lakhs)

% of deposits to total deposits

Advances(Rupees in lakhs)

% of advances to total advances

Maharashtra

639

26.68

60,72,498

55.08

37,42,401.2

55.09

Gujarat

321

15.24

16,27,946

14.77

9,70,287.03

14.28

Karnataka

300

14.25

8,35,274

7.58

5,37,186.7

7.91

Tamil Nadu

132

6.27

3,10,521

2.82

2,12,113.28

3.12

Andhra Pradesh

131

6.22

2,11,324

1.92

1,37,888.23

2.03

Total

1,523

2,106

90,57,563

82.15

55,99,876.5

82.44


For all UCBs in the country, the total Deposits are Rs. 1,10,25,642 lakhs and total Advances are Rs. 67,93,017 lakhs.

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