XIII. BANKING AND CURRENCY TABLE 13.1 RESERVE BANK OF INDIA-ISSUE DEPARTMENT. (Rs.crore) as on last Friday of December. Item

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1 (Rs.crore) TABLE 13.1 RESERVE BANK OF INDIA-ISSUE DEPARTMENT Item as on last Friday of December Liabilities Notes in circulation Notes held in Banking Department Assets Gold,coin and bullion (1) Foreign securities Rupee coins (2) Government of India Rupee securities (1) Gold reserves of issue department are valued at Rs per 10 grams upto October 16,1990. From October 17, 1990 they are revalued close to international market prices. (2) Include Government of India one rupee notes issued from July, Note:Totals may not tally due to rounding off of the figures. 146

2 (Rs.crore) TABLE 13.2 RESERVE BANK OF INDIA - BANKING DEPARTMENT as on last Friday of December Item Liabilities Govt. deposits Other deposits Other liabilities Assets Notes and coins Balances held abroad (1) Loans and advances (2) Bills purchased and discounted Capital investments Other assets (1256) (2342) (2360) (2515) (1) Include cash, short-term securities and fixed deposits. (2) Include loans and advances to (i) State Governments (including temporary overdrafts); (ii) Scheduled commercial banks; (iii) State cooperative banks; (iv) I.D.B.I;(v) ARDC/ NABARD; (vi) Exim bank; and (vii) others. Note:1.Figures in bracket indicate the value of gold held under other assets. 2.Totals may not tally due to rounding off of the figures. 147

3 (Rs.crore) TABLE 13.3 SCHEDULED COMMERCIAL BANKS-BUSINESS IN INDIA as on last reporting Friday of 31 March Item Number of reporting banks (Indian & Foreign) Demand deposits (1) Time deposits (1) Total deposits [A] Cash in hand and balances with Reserve Bank [B] Investment in Government securities (2) Advances (3) Of which Bills (inland) Percentage of[b] w.r.t.[a] Cheque clearances (4) Number in lakh P Amount P (1) Exclude inter-bank deposits. (2) At book value: include treasury bills & treasury deposit receipts. (3) Figures relate to loans,cash credits overdrafts and bills purchased discounted. (4) Data relate to the clearing houses managed by RBI only, and inclusive of inter-bank and high-value clearings.these data pertain to financial year and are at the end of March of the respective years. Note:Totals may not tally due to rounding off of the figures. 148

4 FOREIGN SECTOR 11% OTHER INSTITUTIONS 2% GOVERNMENT SECTOR 10% CORPORATE SECTOR 14% (Rs.crore) TABLE 13.4 OWNERSHIP OF BANK DEPOSITS (INDIAN AND FOREIGN) BY ECONOMIC SECTOR Economic Sector as on last Friday of March 31 of I.Government Sector II.Corporate Sector: Financial Non-Financial III.Household Sector IV.Foreign Sector Total(I+II+III+IV) Note: Totals may not tally due to rounding off of the figures. OWNERSHIP OF BANK DEPOSITS (2001) Rs. Crore 149

5 (Deposits in Rs.crore) TABLE 13.5 NUMBER OF OFFICES AND AGGREGATE DEPOSITS OF COMMERCIAL BANKING COMPANIES Item as on last Friday of March A.Number of reporting banks Scheduled banks Indian Foreign Non-Scheduled banks B.Number of offices(1) Scheduled banks Indian Foreign Non-Scheduled banks C.Aggregate deposits (2) Scheduled banks Indian Foreign Non-Scheduled banks Source: Reserve Bank ofindia (1) As on 31st March (2) Aggregate Deposits exclude inter-bank deposits 150

6 Centre METROPOLITAN 13% URBAN 17% SEMI- URBAN 22% RURAL 47% TABLE 13.6 DISTRIBUTION OF COMMERCIAL BANK OFFICES (Scheduled & Non-Scheduled Banks) as on 31st March Rural Semi-urban Urban Metropolitan Total Note : Classification of population groups is based on 1991 Census. DISTRIBUTION OF COMMERCIAL BANK OFFICES (AS ON LAST FRIDAY OF MARCH, 2002) 151

7 ABLE 13.7 DISTRIBUTION OF OUTSTANDING CREDIT OF SCHEDULE COMMERCIAL BANKS ACCORDING TO OCCUPATIO as at the end of March 2000 Occupation Number of CreditAmount outaccounts limit standing ('00) (Rs.crore) (Rs.crore) I. Agriculture Direct finance Indirect finance II. Industry Mining and quarrying Food manufacturing and processing (a) Rice, flour and dal mills (b) Sugar (c) Edible oils and vanaspati (d) Tea processing (e) Others Beverages and tobacco Textiles (a) Cotton textiles (b) Jute textiles (c) Other Textiles Paper,paper products and printi Leather and leather products Rubber and rubber products

8 ABLE 13.7 DISTRIBUTION OF OUTSTANDING CREDIT OF SCHEDULE COMMERCIAL BANKS ACCORDING TO OCCUPATIO as at the end of March 2000 Occupation Number of CreditAmount outaccounts limit standing ('00) (Rs.crore) (Rs.crore) 8.Chemical and chemical products (a) Heavy industrial chemicals (b) Fertilisers (c) Drugs and pharmaceuticals (d) Others Petroleum,coal products and nuclear fuels Manufacture of cement and cement products Basic metal and metal products (a) Iron and steel (b) Other metal products Engineering (a) Heavy engineering (b) Light engineering (c) Electrical & electronic machinery and goods Vehicles,vehicle parts and transport equipments Other industries Electricity,gas & water Construction

9 ABLE 13.7 DISTRIBUTION OF OUTSTANDING CREDIT OF SCHEDULE COMMERCIAL BANKS ACCORDING TO OCCUPATIO as at the end of March 2000 Occupation Number of CreditAmount outaccounts limit standing ('00) (Rs.crore) (Rs.crore) III.Transport operators IV.Professional and other services V.Personal Loans Loans for purchase of consumer durables Loans for housing Rest of personal loans VI.Trade Wholesale trade Retail trade VII.Finance VIII.All others Total bank credit of which: Artisans & village industries Other small scale industries

10 ABLE 13.7 DISTRIBUTION OF OUTSTANDING CREDIT OF SCHEDULE COMMERCIAL BANKS ACCORDING TO OCCUPATIO as at the end of March 2001 Occupation Number of CreditAmount outaccounts limit standing ('00) (Rs.crore) (Rs.crore) I. Agriculture Direct finance Indirect finance II. Industry Mining and quarrying Food manufacturing and processing (a) Rice, flour and dal mills (b) Sugar (c) Edible oils and vanaspati (d) Tea processing (e) Others Beverages and tobacco Textiles (a) Cotton textiles (b) Jute textiles (c) Other Textiles Paper,paper products and printi Leather and leather products Rubber and rubber products

11 ABLE 13.7 DISTRIBUTION OF OUTSTANDING CREDIT OF SCHEDULE COMMERCIAL BANKS ACCORDING TO OCCUPATIO as at the end of March 2001 Occupation Number of CreditAmount outaccounts limit standing ('00) (Rs.crore) (Rs.crore) 8.Chemical and chemical products (a) Heavy industrial chemicals (b) Fertilisers (c) Drugs and pharmaceuticals (d) Others Petroleum,coal products and nuclear fuels Manufacture of cement and cement products Basic metal and metal products (a) Iron and steel (b) Other metal products Engineering (a) Heavy engineering (b) Light engineering (c) Electrical & electronic machinery and goods Vehicles,vehicle parts and transport equipments Other industries Electricity,gas & water Construction

12 ABLE 13.7 DISTRIBUTION OF OUTSTANDING CREDIT OF SCHEDULE COMMERCIAL BANKS ACCORDING TO OCCUPATIO as at the end of March 2001 Occupation Number of CreditAmount outaccounts limit standing ('00) (Rs.crore) (Rs.crore) III.Transport operators IV.Professional and other services V.Personal Loans Loans for purchase of consumer durables Loans for housing Rest of personal loans VI.Trade Wholesale trade Retail trade VII.Finance VIII.All others Total bank credit of which: Artisans & village industries Other small scale industries

13 (Rs.crore) TABLE 13.8 OUTSTANDING ADVANCES OF PUBLIC SECTOR BANKS TO AGRICULTURE, SMALL SCALE INDUSTRIES ETC. Item as on last Friday of September Agriculture (i)direct finance (1) (ii)indirect finance Small scale industries Setting up of industrial estates Other priority sectors(2) (i) Road & water transport operator (ii) Retail trade & small business (iii) Professional and self employed persons (iv) Education (v) Consumption loans (vi) State sponsored corporation organisation for on lending to other priority sectors mentioned in (i) to (v) above (vii) Housing loans Total [1 to 4] Total Advances (1) Excludes advances to plantations other than development. (2) Exclude advances in state sponsored organisation forsc/st. (3) Data for 1999 & onwards is as on last Friday of March. 158

14 (Rs.crore) TABLE 13.9 STATE CO-OPERATIVE BANKS (1) as on last Friday of March Item Liabilities (2) Demand Time Borrowings (3) Assets Cash in hand and balances with RBI Govt. securities (4) Advances Due from banks (5) Bills purchased and discounted (1) Relate to the banks maintaining accounts with RBI. (2) Exclude borrowings from banks, and inter-bank deposits. (3) Include borrowings from the Reserve Bank of India, State Bank of India, Industrial Development Bank of India, National Bank for Agriculture and Rural Development, Notified banks, National Co-operative Development Corporation and the State Governments. (4) At book value: include treasury bills & treasury deposit receipts. (5) Include advances of Scheduled State Co-operative Banks to Central Co-operative Banks and Primary Co-operative Banks. 159

15 (Rs.crore) TABLE MONEY STOCK MEASURES (NEW SERIES) Component Currency with the public i.notes in circulation ii.circulation of Rupee coins(1) iii.cash on hand with banks iv.deposit money of the public A. M1 [i+ii+iv-iii] B. Post Office savings bank deposits C. M2 [A+B] D. Time deposits with banks M3 [A+D] (1) Rupee coins include small coins, ten Rupee commemorative coins issued since October, 1969,two Rupee coins issued since November, 1982 and five Rupee coins issued since November,1985. Note: Totals may not tally due to rounding off of the figures. 160

16 0 (New series) M2 (Rs. CRORE) MONEY STOCK MEASURES M 1 POST OFFICE SAVING BANK DEPOSITS M M 2 TIME DEPOSITS WITH BANKS

17 (Rs.crore) TABLE SOURCES OF MONEY STOCK (M3) Source Net bank credit to Govt Bank credit to commercial sector Net Foreign exchange assets of banking sector(1) Government's currency liabilities to the public Banking sector's net nonmonetary liabilities other than time deposits(1) M3 [ ] (1) Inclusive of appreciation in the value of gold following its revaluation close to international market price effective October 17, Such appreciation has a corresponding effect on Reserve Bank's net non-monetary liabilities.

18 161 TABLE MONEY RATES IN INDIA (percent per annum) Category Bank Rate (1) State Bank of India Advance rate (2) Demand loan: Scheduled commercial banks Call/Notice Money Rate (1) It decreased to 11% w.e.f April 16,1977,to 10% w.e.f.june 26,1997,to 9% w.e.f Octobe raised to 11% w.e.f January 17,1998,decresed to 10.5% March 19,1998, to 10 % w.e.f April 03,1998 to 9% w.e.f April 29,1998, to 8% w.e.f March 02,1999, to w.e.f April 02,2000,raised to 8% w.e.f, July 22,2000, decreased to 7.5% w.e.f Februray 17,2001,to 7% w.e.f March 02,2001 and to 6.5 % w.e.f October 23,20 (2) Prime Lending Rate(PLR) is the rate generally charged by the banks for lending to prim borrowers for redit limits over Rs.2 lakh.the rate charged on loans up to Rs.2 lakh sho exced the PLR.Banks declare their prime lending rates as approved by their Boards.In 2001 Monetary and credit policy,plr was converted in to a reference or benchmark rate for banks.from onwards the data relate to Five major public sector banks. 162

Disclosures under Pillar 3 in terms of New Capital Adequacy Framework (Basel III) of Reserve Bank of India as on 30 th June 2013

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