contents · v contents section 1 : summary tables table no. page no. progress of commercial banking...

v

CONTENTS

SECTION 1 : SUMMARY TABLES

Page No.Table No.

Progress of Commercial Banking at a glance

Distribution of banking centres according to state and population group (As atthe end of March 2001 and 2002)

Deposits and credit of scheduled commercial banks according to populationgroup

Deposits and credit of scheduled commercial banks according to bank group

Deposits and credit scheduled commercial banks according to state

Population group-wise outstanding credit of scheduled commercial banksaccording to place of sanction and utilisation

State-wise outstanding credit of scheduled commercial banks according toplace of sanction and utilisation

State and population group-wise outstanding credit of scheduled commercialbanks according to place of sanction and utilisation

Outstanding credit of scheduled commercial banks according to occupation

Population group-wise outstanding credit of scheduled commercial banksaccording to occupation

Percentage distribution of outstanding credit of scheduled commercial banksaccording to population group and occupation

Outstanding credit of scheduled commercial banks according to size of creditlimit

Outstanding credit of scheduled commercial banks according to interest raterange

Outstanding credit of scheduled commercial banks according to type of account

Outstanding credit of scheduled commercial banks according to organisation

Percentage distribution of outstanding credit of small borrowal accounts ofscheduled commercial banks according to broad category of borrowers

Population group-wise outstanding credit of small borrowal accounts ofscheduled commercial banks according to occupation

1

2

3

3

4

5

6

7

8

9

10

11

11

12

13

13

14

1.1

1.2

1.3

1.4

1.5

1.6

1.7

1.8

1.9

1.10

1.11

1.12

1.13

1.14

1.15

1.16

1.17

vi

Population group-wise deposits of scheduled commercial banks according totype of deposits

Bank group-wise deposits of scheduled commercial banks according to typeof deposits

State-wise deposits of scheduled commercial banks according to type ofdeposits

Population group-wise deposits of scheduled commercial banks according tobroad ownership category

Bank group-wise deposits of scheduled commercial banks according to broadownership category

State-wise deposits of scheduled commercial banks according to broadownership category

Maturity pattern of term deposits of scheduled commercial banks accordingto broad ownership category

Maturity pattern of term deposits of scheduled commercial banks accordingto population group

Maturity pattern of term deposits of scheduled commercial banks accordingto bank group

Percentage distribution of term deposits of scheduled commercial banksaccording to interest rate range and broad ownership category

Percentage distribution of term deposits of scheduled commercial banksaccording to size of deposits and broad ownership category

State-wise distribution of employees of scheduled commercial banks accordingto category

Bank group and population group-wise distribution of employees of scheduledcommercial banks according to category

SECTION 2 : DEPOSITS AND CREDIT

Population group and bank group-wise deposits and credit (total credit andcredit to small borrowal accounts) of scheduled commercial banks

State and bank group-wise deposits and credit (total credit and credit to smallborrowal accounts) of scheduled commercial banks

Page No.Table No.

1.18

1.19

1.20

1.21

1.22

1.23

1.24

1.25

1.26

1.27

1.28

1.29

1.30

2.1

2.2

15

15

16

17

17

18

19

19

20

21

21

22

23-24

25-26

27-32

vii

State and population group-wise deposits and credit (total credit and credit ofsmall borrowal accounts) of scheduled commercial banks

District and population group-wise deposits and credit of scheduledcommercial banks

SECTION 3 : DEPOSITS

State and population group-wise deposits of scheduled commercial banksaccording to type of deposits

State and bank group-wise deposits of scheduled commercial banks accordingto type of deposits

Population group and bank group-wise deposits of scheduled commercialbanks according to type of deposits

Maturity pattern of term deposits of scheduled commercial banks accordingto population group and broad ownership category

Maturity pattern of term deposits of scheduled commercial banks accordingto state

SECTION 4 : CREDIT

Size of credit limit and interest rate range-wise classification of outstandingloans and advances of scheduled commercial banks

Interest rate range and type of account-wise classification of outstanding loansand advances of scheduled commercial banks

Interest rate range and organisation-wise classification of outstanding loansand advances of scheduled commercial banks

Type of account and organisation-wise classification of outstanding credit ofscheduled commercial banks

Size of credit limit and organisation-wise classification of outstanding credit ofscheduled commercial banks

Size of credit limit and type of account-wise classification of outstanding creditof scheduled commercial banks

Page No.Table No.

33-36

37-63

64-66

67-71

72-73

74-75

76-80

81-82

83

84

85

86

87

2.3

2.4

3.1

3.2

3.3

3.4

3.5

4.1

4.2

4.3

4.4

4.5

4.6

viii

Bank group-wise outstanding credit of scheduled commercial banks accordingto size of credit limit

Population group and bank group-wise outstanding credit of commercial banksaccording to broad ranges of credit limit

State and population group-wise outstanding credit of scheduled commercialbanks

State and bank group-wise outstanding credit of scheduled commercial banks

SECTION 5 : OCCUPATION-WISE CLASSIFICATIONOF CREDIT

Type of account-wise classification of outstanding credit of scheduledcommercial banks according to occupation

Organisation-wise classification of outstanding credit of scheduled commercialbanks according to occupation

Interest rate range-wise classification of outstanding loans and advances ofscheduled commercial banks according to occupation

Size of credit limit-wise classification of outstanding credit of scheduledcommercial banks according to occupation

Population group and bank group-wise classification of outstanding credit ofscheduled commercial banks according to occupation

State and bank group-wise classification of outstanding credit of scheduledcommercial banks according to occupation

State and Population group-wise classification of outstanding credit ofscheduled commercial banks according to occupation

State and population group-wise classification of outstanding credit of smallborrowal accounts of scheduled commercial banks according to occupation

District-wise classification of outstanding credit of scheduled commercial banksaccording to occupation

Note on Tables

Appendix

4.7

4.8

4.9

4.10

5.1

5.2

5.3

5.4

5.5

5.6

5.7

5.8

5.9

88

89-90

91-92

93-95

96-102

103-108

109-114

115-120

122-131

132-201

202-262

263-280

282-340

341-342

343-347

i

This Volume, thirty first in the series, presentscomprehensive data on deposits and credit ofscheduled commercial banks and the informationon number of employees of these banks, as on31st March 2002. The data are collected throughthe annual statistical surveys, Basic StatisticalReturns (BSR)-1 & 2, from the off ices ofscheduled commercial banks in India includingRegional Rural Banks. The earlier title of thepublication, i.e. Banking Statistics has beenchanged to Basic Statist ical Returns ofScheduled Commercial Banks in India fromVolume 29 issue relating to March 2000. This hasbeen done with a view to highlight the source andthe nature of the data published in the Volumeand also to indicate the basic distinction betweenthe banking statistics presented in anotherpublication of the Bank, viz., Statistical TablesRelating to Banks in India, which is based ondata collected through various statutory returnsand other statistical returns. Information on otherpublications of the Bank on Banking Statistics isgiven in the Appendix.

2. The BSR-1 & 2 returns have been revisedwith effect from March 2002 Survey in line withpolicy changes, developments in the bankingsector and also with a view to have uniformcoding system for occupation/activityclassification as per the National IndustrialClassification (NIC), 1998. The significantfeatures of the revision are:

(i) A new BSR coding system in respect ofactivity/occupation classification of borrowalaccounts based on NIC 1998 classificationhas been incorporated in BSR system.

(ii) The loans extended through credit cardsare included in Demand Loans.

(iii) Inland Bills include both, trade bills &other bills.

BASIC STATISTICAL RETURNS - 1 AND 2 OF SCHEDULED COMMERCIAL BANKS IN INDIA

INTRODUCTION

(iv) Private Sector comprises PrivateCorporate Sector and Private Sector-Others. Private Sector-Others includesa. Partnership/Proprietary Concerns and

Joint Families

b. Self Help Groups and NGOs

c. Associations, Clubs, Trusts and Groups.

(v) Artisans and Village & Tiny Industriescomprise Artisans/Craftsmen, Village/Cottage & Tiny Industries classified asSmall Scale Industries.

(vi) Consequent upon the changes in theActivity/Occupation Codes, there aremodifications/changes in the description/details of some Occupation Codes.Accordingly, Rubber & Rubber Productsunder Industry at II. 7 has been changedas Rubber & Plastic Products.

(vii) All borrowal accounts with the credit limitof Rs. 2 lakh or less of all scheduledcommercial banks including RegionalRural Banks, are classified as smallborrowal accounts, from March 1999survey onwards.

(viii) Rate of Interest of borrowal accounts ispresented exclusive of Interest Tax.

As a result of these changes, the datapresented in some of the tables in this Volumeare not strictly comparable with those of theearlier years.

3. BSR-1 relates to gross bank credit andcomprises term loans, cash credits, overdrafts,bi l ls purchased and discounted, bi l ls re-discounted under the New Bill Market Schemeand also dues from banks, whereas, the bankcredit data, based on returns under Section42(2) of the RBI Act, 1934, is exclusive ofdues from banks and bills re-discounted underthe New Bil l Market Scheme. The BSR-1

ii

return is divided into two parts - Part A andPart B (termed as BSR-1A and BSR-1B). Till1998, the BSR-1A return covered accountswith individual credit limit of over Rs. 25,000.Consequent upon the revision in the cut-offcredit limit from March 1999 survey, BSR-1Areturn for scheduled commercial banks otherthan Regional Rural Banks, covered accountswith individual credit limit of over Rs. 2 lakh.In the case of Regional Rural Banks, the cutoff limit then was Rs. 25,000. The revision ofcut off limit for classifying accounts in BSR-1Ahas been made as Rs. 2 lakh for RegionalRural Banks also from March 2002 survey. InBSR-1A, information in respect of each of theborrowal accounts is collected on variouscharacteristics, such as place (district andpopulation group) of utilisation of credit, typeof account, type of organisation, occupationalcategory, nature of borrowal account, rate ofinterest, credit limit and amount outstanding. InBSR-1B, information in respect of accountswith individual credit limit upto Rs. 2 lakh isobtained in consolidated form for broadoccupational categories. The BSR-1B Returnhas two separate credit limit size groups, i.e.,up to Rs. 25,000 and over Rs. 25,000 toRs.2 lakh. The information on small borrowalaccounts are obtained in BSR-1B return fromall scheduled commercial banks (includingRegional Rural Banks).

4. In BSR-2, each bank off ice submitsinformation on deposits with their break-up intocurrent, savings and term deposits. Informationon deposit accounts of females is givenseparately. Information of term depositsaccording to different maturity periods is alsofurnished in this return. In addition, BSR-2provides information on staff strength, classifiedaccording to gender and category (i .e.supervisory, clerical and subordinates), inindividual bank offices as on the reference dateof the survey. Deposits exclude inter-bank

deposits. Current deposits comprise (i) depositssubject to withdrawal on demand (other thansavings deposits) or on notice of less than 15days, or term deposits with a maturity period ofless than 15 days (or less than 7 days for amountof Rs. 15 lakh and above); (ii) call depositswithdrawable not later than 14 days; ( i i i)unclaimed deposits; (iv) overdue fixed deposits;(v) credit balance in cash credit and overdraftaccounts and (vi) contingency unadjustedaccount if in the nature of deposits. Savingsdeposits are deposits accepted by banks undertheir savings bank deposit rules. Term depositsare deposits with a fixed maturity of not less than15 days or 7 days for amount Rs. 15 lakh andabove or subject to notice of not less than 15days. These would also include (a) depositspayable after 14 days notice; (b) cash certificates;(c) cumulative or recurring deposits; (d) Kuri &Chit deposits and (e) special deposits in thenature of term deposits. Conceptually, thedeposits data in BSR-2 and the aggregatedeposits in Section 42(2) return are the same.However, the deposits presented in this Volumeexcept in Table 1.1 exclude the proceeds ofResurgent India Bonds (RIBs) and IndiaMillenium Deposits (IMDs). In BSR-2, bankbranches also give classification of term depositsaccording to broad interest rate ranges as wellas size of deposits. Based on these data, tablesgiving percentage distribution of term depositsaccording to interest rate range and size ofdeposits are presented in the Volume.

5. Deposits and credit patterns presented inthis Volume include the impact of the merger ofICICI Limited with ICICI Bank Limited. As such,the geographical/other distribution of deposits &credit may show large variation as compared tothat of previous years in few tables.6. Out of the 67,897 offices of scheduledcommercial banks functioning as on the last dayof March 2002, BSR-1 returns were received from61,958 offices. BSR-2 returns were received from

iii

61,565 offices. In the case of non-reporting officesthe data have been estimated based on theprevious round of the survey and from theavailable information in the Quarterly Returns onAggregate Deposits and Gross Bank Credit(BSR-7) as of 31st March 2002.

Outline of the Volume

7. This Volume is divided into five Sectionsdisseminating the data on deposits and creditof scheduled commercial banks with referenceto various classificatory characteristics. Section1 presents general information on commercialbanking and also the summary data ondeposits and credit at the All-India level andstate level. A new table, giving percentagedistribution of term deposits of scheduledcommercial banks according to the size ofdeposits, has been presented. Accordingly,earlier Table Nos. 1.28 & 1.29 of previousvolumes have been renumbered as 1.29 and1.30. Section 2 gives State-wise / District-wise distribution of deposits and outstandingcredit classified according to population groupsand bank groups. Data on distr ibution ofdeposits by type of deposits are presented inSection 3. Classification of outstanding creditaccording to different characteristics such assize of credit limit, rate of interest, type oforganisation, type of account, bank group,state and population group, etc., are given inSection 4. In Section 5, these data are furtherclassif ied according to occupation of theborrower. District and occupation-wisedistribution of outstanding credit is also givenin Section 5.

8. BSR-1A return provides the identificationof the district and population group of the placewhere the credit is utilised. However, in BSR-1Breturn, such information is not being collected; itis presumed that in respect of these accounts,the credit is utilised in the same place where ithas been sanctioned. State and population

group-wise data on credit given in Sections 4 and5 are based on place of utilisation of credit,whereas in Section 2, these are based on placeof sanction of credit. In Section 1, data on creditwhen presented with deposits (Tables 1.3, 1.4and 1.5) are as per place of sanction and whenpresented separately (Tables 1.10 and 1.11) theyare based on place of utilisation. Tables 1.6 to1.8 present the data on credit according to boththe place of sanction and the place of utilisationso as to facilitate comparison.

Explanatory Notes

9. Brief explanatory notes on some of thetables presented in various Sections of thisVolume are given below:

In Section 1, Table 1.1 presents theprogress of commercial banking at a glance,based on data collected from different sourcesas per details given in the Notes on Tables. Table1.9 presents classification of outstanding creditaccording to detailed occupations. Tables 1.13,1.14 and 1.15 provide truncated distributions ofoutstanding credit of scheduled commercialbanks according to interest rate range, type ofaccount and organisation, respectively, foraccounts having individual credit limit above Rs.2 lakh. Table 1.16 gives percentage distributionof small borrowal accounts according to broadcategory of borrowers into individuals & othersand gender-wise classification of individualborrowers. Table 1.17 gives population group andoccupation-wise classification of small borrowalaccounts each with credit limit of Rs. 2 lakh andless. Tables 1.21 to 1.23 give the information ondeposits of scheduled commercial banksaccording to broad ownership category. Tables1.24 to 1.26 give maturity pattern of term depositsaccording to broad ownership category,population group and bank group, respectively.Table 1.27 gives interest rate range-wisepercentage distribution of term deposits. Table1.28 presents the percentage distribution of the

iv

term deposits of scheduled commercial banks asper the size of deposits. Tables 4.1 to 4.6 inSection 4 and Tables 5.1 to 5.3 in Section 5provide truncated distribution according todifferent characteristics of outstanding credit ofscheduled commercial banks, for accountshaving individual credit limit above Rs. 2 lakh.Table 5.8 provides information on small borrowalaccounts having individual credit limit of Rs. 2lakh and less.

10. Population groups of the banked centrespresented in this Volume are based on the 1991census. The population groups are defined asfollows:

(i) Rural group includes all centres withpopulation of less than 10,000

(ii) Semi-urban group includes centreswith population of 10,000 and abovebut less than 1 lakh

(iii) Urban group includes centres withpopulation of 1 lakh and above but lessthan 10 lakh

(iv) Metropolitan group includes centreswith population of 10 lakh and more.

11. Banks have been grouped as under:

(i) State Bank of India and its Associates

(ii) Nationalised banks

(iii) Foreign banks

(iv) Regional rural banks

(v) Other scheduled commercial banks.

12. The totals given in the tables may notexactly tally with the sum of the constituent itemson account of rounding off of the figures. The unitone lakh is equal to 1,00,000. The symbol - indicates nil or negligible throughout thisVolume. Figures in brackets indicate percentagesto respective total. Notes on tables as appropriateto each table are given at the end of the Volume.

13. This Volume is prepared in the BankingStatistics Division of the Department of StatisticalAnalysis and Computer Services.

RESERVE BANK OF INDIADEPARTMENT OF STATISTICALANALYSIS AND COMPUTER SERVICESC-8/9, BANDRA-KURLA COMPLEXPOST BOX No. 8128BANDRA (EAST)MUMBAI - 400 051

Dated : March 31, 2003

1

TABLE NO. 1.1 PROGRESS OF COMMERCIAL BANKING AT A GLANCE

June March March March March March March March March MarchIMPORTANT INDICATORS 1969 1994 1995 1996 1997 1998 1999 2000 2001 2002

1 2 3 4 5 6 7 8 9 10

!"! #

$ % # &

$' ( && & &

! & & & & &

$ %)$ & &

)$ & & & &

*+,+ & & & & &&

-, +, + & & & & & & & &

.,+

( ! & && & / && / 0 0

1 . & & &

$ 2 & & & & & &

+

( ! & & && & & &

.,+

, !3 & & &

+

, ! 3 && &

-,+.,+

! & & &

-,++

! & & & & &

.,+

,+"+

( + + , && && & &

4

56 +-+7+ ! & & & && && 8

-+7+56

2++

, + & & & && & 8

-+7+56

2+%9+

, + & & & & 8

+.,+!+ & & & & && & & & && &

(6++.,+!+ & &

.,+!+ & &

@ Includes Resurgent India Bonds (RIB) (Rs.17,945 crore)# Includes Resurgent India Bonds (RIB) (Rs.17,945 crore) and also India Millennium Deposits (IMD) (Rs.25,662 crore)* Provisional.

See Notes on Tables.

2

TABLE NO. 1.2 DISTRIBUTION OF BANKING CENTRES ACCORDING TOSTATE AND POPULATION GROUP (AS AT THE END OF MARCH)

POPULATION GROUP RURAL SEMI-URBAN URBAN METROPOLITAN ALL CENTRES

2001 2002 2001 2002 2001 2002 2001 2002 2001 2002REGION/STATE/UNION TERRITORY 1 2 3 4 5 6 7 8 9 10

:7 # #

:- & & # # # #

; $ &

!>+ &

" # #

. && & # #

5 - & & # # # # & &

5 # #

*, # # & &

*"7 # #

*? & & # #

" # # # #

2, # #

# #

; # #

' & & # #

# # # #

@+" & & &

5

3

!""#

"

5 + ! ,3

$$%

%%&'() $$% *$+,- $$% *$+,-

''$+,-) ''$+,-) +-)-.,/&,0

C CC& &C &CC& C

&

" C CC&& C &CC&& C

C& CC &&C CC& &C

& &

" C CC& &C &C&C C

&

1 11

1 1

1 1

23 23 23 23 23

!""##

"

5 + ! ,3

# $$%

%%&'() $$% *$+,- $$% *$+,-

''$+,-) ''$+,-) +-)-.,/&,0

#! C CC C CC C &

# C CC &&&C CC C && &

!# C&C& &&C CC &C & &

# C &C&C& C CC C

&C& CC C& CC &C""# &

1 11

1 1

1 1""# 23 23 23 23 23

4

!""#"

5 + ! ,3

4 4 $$%

5 %%&'() $$% *$+,- $$% *$+,-

''$+,-) ''$+,-) +-)-.,/&,0

1 11 1 11

1

:7 C& CC &C& C&C C

:- CC C CC C

; $ C& CC& &C CC C

!>+ C CC &C CC &C

" CC C& CC C

. C& CC &C CC& C

1 11 1 11 1

5 - C&C& &C C C

5 C& &CC &&C C&C &&C

*, CC& C C C&

*"7 CC &C C &C

*? CC C C C

" C&C C C C

2, CC C CC C

1 11 1 11 1

C &CC C& CC& C

; C CC C CC& C

' C CC C CC& C&

C&C C& C C

@+" C&& CC C CC& &C

5

5

!""# !

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! !

$$% *$+,- 6(/&- $$% *$+,- 6(/&-

''$+,-) +-)-.,/&,0 (7$)&- ''$+,-) +-)-.,/&,0 (7$)&-

.-&$ .-&$

&CC& C &CC& C &&

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CC& &C CC &C

" &C&C C & &CC& &C

1

1 1 1

1 1

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!""# !

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$-.86(/&- 6(/&- 6(/&- 6(/&- $-.86(/&- 6(/&-(7$)&-.-&$

.,'-&$,(/ -&8&)(/&, .,'-&$,(/ -&8&)(/ -&8&)(/&,

&,-9(-.-( -9(-.-($% &,-9(-.-( &,-9(-.-( -9(-.-( )7(6 )7(6

4 4 .,'-&$, :+--&8&)(/ :+-.,' .,'-&$, -&8&).-&$,

5 &,-9(6 -&$,(/&, 27(6'(,-3 27(6'(,-3

-.-() -9(6-.-()

1

1 1 1 1

:7 C C C C& C& &&:- C C C C C &; $ C C &C &C C !>+ &C &C C C &&C& &&" C C C &C C . C C& C C C &

1 1 1 1 1

5 - C C & C C & 5 &&C C C &&C C *, C& C C C *"7 &C &&C& C C& &C *? C C C &C C " C C& &&C C 2, C C C C& &

1 1 1 1 1

C C& C C &C ; C &C C &C& &C & ' C& C C C C & & C C &C C &@+" &C C C& C &C & 5

7

!""# !

"

5 + ! ,3

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4 4 .,' -&8& .,' -&8& .,' -&8& .,' -&8& .,' -&8&

5 -&$, ).-&$, -&$, ).-&$, -&$, ).-&$, -&$, ).-&$, -&$, ).-&$,

1 1 1 1 1 1 1 1

1

1

:7 C& &C& &C& &C &C C # # C C&

:- C C& C C # # # # C C

; $ C C& &&C &C C& C &C C C C

!>+ C &C& C C C& C &C C &C &&C&

" C C C C& C C # # C C

. C C &C C # # C &C C C

1 1 1 1 1 1 1 1

5 - &C C& &C &C # # # # C C

5 C &&C& &C C C C # # &&C C

*, &C C C& C C C # # C& C

*"7 C C C C C& C # # &C &C

*? C& &&C C C C C # # C C

" C C C&& C& # # # # C C

2, C C C C C C # # C C&

1 1

1

1 1 1

1 1 1 1

C C C C C &C # # C &C

; C &C C C C& C # # C &C

' C C C C& C C # # C& C

C C &C C # # # # C C

@+" &C C C&& C C &C C& C& &C &C

5

8

!""# "

5 + ! ,3

$$%''$+,-) 6(/&-&*&- *$+,-+-)-.,/&,0

11 1 1 .+9 CC &C C (+9 CC C &C

5 11 1 1 *"

9

!""#

"5 + ! ,3

"

$$% 6(/&- *$+,- $$% 6(/&- *$+,- ''$+,-) &*&- +-)-.,/&,0 ''$+,-) &*&- +-)-.,/&,0

11 1 1 11 1 1 .+9 CC C C& &CC C &C (+9 C&C C& C CC &C C

5 11 1 1 11

1 1 *"

10

TABLE NO. 1.11 PERCENTAGE DISTRIBUTION OF OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL BANKSACCORDING TO POPULATION GROUP AND OCCUPATION

MARCH 2002

A. POPULATION GROUP-WISE BANK CREDIT - PERCENTAGE SHARE ACCORDING TO OCCUPATION(Per cent)

OCCUPATIONRURAL SEMI-URBAN URBAN METROPOLITAN ALL-INDIA

1 2 3 4 5

.+9 & (+9 & &

5

*"

11

!""#

12

TABLE NO. 1.14 OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL BANKSACCORDING TO TYPE OF ACCOUNT

MARCH 2002

(Amount in Rupees Lakh)

TYPE OF ACCOUNT

No. of Credit AmountAccounts Limit Outstanding

1 2 3

+ C&C &C C

'6+ CC C &&C

& &

.3 CC C C

& &

* 23 CC &C &C

3"23 C&C C &C

&

-"+ C C &&C

&

EG,+2

- C& C C

EG,+2

. + C&& C C

EG,+2

565"+ C C C

565"+EG,+ (+6. +7.B$ C C

# # #

(

%- C &&C C

(

%. + C C C

565"+ (,+

C C C&&

9" 7H C &C &&C

2K..K*2K22-

11 1

1

23 23 23

(($-()$,.:8()

13

TABLE NO. 1.15 OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL BANKS ACCORDING TO ORGANISATIONMARCH 2002


ORGANISATIONNo. of Credit Amount

Accounts Limit Outstanding

1 2 3 1

1 1

23 23 23 +A6+'B)+" C& C C

& &$ ++A6+ C &C& C

++A6+'B)+" C& C C

D A6+ C C C

; 1

1 123 23 23

; 11 1 123 23 23

; 11 1 123 23 23

- $-6+3+,+B C &C& C&&$ +"$7A6+

$ - $-6+3+,+ + CC C CA6+ BK",

14

TABLE NO. 1.17 POPULATION GROUP-WISE OUTSTANDING CREDIT OF SMALL BORROWAL ACCOUNTS OFSCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION

MARCH 2002


RURAL SEMI-URBAN

OCCUPATION No. of Credit Amount No. of Credit AmountAccounts Limit Outstanding Accounts Limit Outstanding

1 2 3 4 5 6

I. AGRICULTURE 132,16,037 26428,44 22354,27 58,48,282 14894,53 12655,10

1. Direct Finance 128,70,887 25710,83 21788,30 57,24,064 14540,99 12370,73

2. Indirect Finance 3,45,150 717,61 565,98 1,24,218 353,54 284,37

II. INDUSTRY 17,97,943 2885,39 2372,77 8,24,764 2621,28 2223,58

III. TRANSPORT OPERATORS 2,72,867 871,81 657,37 1,60,708 784,70 606,97

IV. PROFESSIONAL AND OTHER SERVICES 6,28,394 1100,71 870,78 3,98,462 1146,78 905,48

V. PERSONAL LOANS 38,32,106 10387,07 8732,49 37,42,838 13458,75 11234,08

1. Loans for Purchase of Consumer Durables 3,58,470 984,65 755,94 3,39,464 963,46 719,07

2. Loans for Housing 2,53,099 2029,10 1815,78 3,86,987 3799,10 3342,68

3. Rest of the Personal Loans 32,20,537 7373,32 6160,78 30,16,387 8696,19 7172,34

VI. TRADE 30,97,739 5808,36 4715,94 17,32,281 5218,52 4314,91

1. Wholesale Trade 91,403 250,46 198,67 63,414 334,91 278,24

2. Retail Trade 30,06,336 5557,90 4517,27 16,68,867 4883,61 4036,67

VII. FINANCE 22,045 95,27 78,04 21,622 134,79 112,10

VIII. ALL OTHERS 19,17,619 4420,71 3697,97 17,98,023 5149,86 4345,08

TOTAL BANK CREDIT 247,84,750 51997,76 43479,63 145,26,980 43409,23 36397,29

OF WHICH : 1. 5+F

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3 4.41. 2.24. 02

410 414 01.41 /.140 104.1 004 .42/

83

MEDIUM TERM LOANS LONG TERM LOANS PACKING CREDIT

INTEREST RATE RANGE No. of Credit Amount No. of Credit Amount No. of Credit AmountAccounts Limit Out- Accounts Limit Out- Accounts Limit Out-

standing standing standing

10 11 12 13 14 15 16 17 18

% ! ! !

%&

% ! !

%&

% ! ! !

%&

% !

%&

% ! ! ! !

%&

% ! !

%&

% ! ! !!

%&

% ! ! ! !

%&

% ! ! !

%&

% ! !! ! ! !

% !! ! '' '' ''

3 4040. 0/041 /40 4./4 24 /...421 40 .041. //.41

## + ),56#+

TABLE NO. 4.2 INTEREST RATE RANGE AND TYPE OF ACCOUNT-WISE CLASSIFICATION OFOUTSTANDING LOANS AND ADVANCES OF SCHEDULED COMMERCIAL BANKS

MARCH 2002(Amount in Rupees Lakh)

CASH CREDIT OVERDRAFTS DEMAND LOANS



1 2 3 4 5 6 7 8 9

% ! !

%&

% ! ! !! ! ! !!!! !

%&

% ! ! !

%&

% ! ! ! !

%&

% ! ! ! !

%&

% !

%&

% ! ! !! ! !

%&

% ! ! ! ! ! !

%&

% ! !

%&

% ! !

% ! !

3 4/14.. /4. 240 40420 .1024.1 20//41 4..42 21040 24.

84

PRIVATE SECTOR-OTHERS JOINT SECTOR UNDERTAKINGS INDIVIDUALS



10 11 12 13 14 15 16 17 18

% ! ! '' '' ''

%&

% ! ! ! !

%&

% ! ! ! !!

%&

% ! ! ! !

%&

% ! !!

%&

% ! ! ! ! !

%&

% ! ! ! !

%&

% ! ! ! ! !

%&

% !

%&

% ! ! ! !

% ! ! ! !! !! !

3 /4041 420 10.14 .4/. 1.40 /./4 4/4. 0/4/ //2/4.

## + ),56#+

TABLE NO. 4.3 INTEREST RATE RANGE AND ORGANISATION-WISE CLASSIFICATION OF OUTSTANDING LOANS AND ADVANCES OF SCHEDULED COMMERCIAL BANKS


PUBLIC SECTOR CO-OPERATIVE SECTOR PRIVATE CORPORATE SECTOR



1 2 3 4 5 6 7 8 9

% ! !! '' '' ''

%&

% !! ! !

%&

% ! !!

%&

% ! ! !

%&

% !! ! ! ! !

%&

% ! !

%&

% ! ! ! ! ! !

%&

% ! ! ! !

%&

% ! !

%&

% ! !! !

% !

3 24.1 ./214 2.4/2 042 /024 .0410 442 1/24.0 /4

85


TYPE OF ACCOUNT No. of Credit Amount No. of Credit Amount No. of Credit AmountAccounts Limit Out- Accounts Limit Out- Accounts Limit Out-


10 11 12 13 14 15 16 17 18

""# ! ! ! !

(##) ! !

* ! ! !

+,# ! ! ! !

-,# !! !

./-"# ! !! !! !

0&1#-2&&.#/3*/ !

4412. ..4. 2/4 .41 02/4. //4 4/24/ 10241 //.4/1

## + ),56#+

TABLE NO. 4.4 TYPE OF ACCOUNT AND ORGANISATION-WISE CLASSIFICATION OF OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL BANKS



TYPE OF ACCOUNT No. of Credit Amount No. of Credit Amount No. of Credit AmountAccounts Limit Out- Accounts Limit Out- Accounts Limit Out-


1 2 3 4 5 6 7 8 9

""# ! ! !!

(##) ! ! !

* ! ! ! ! !

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-,# ! ! ! ! ! !

./-"# ! !! !

0&1#-2&&.#/3*/ !! !

411 10.4/1 .0.4/ 141 114 0.24. 424 ..041/ .242/

86


CREDIT LIMIT RANGE No. of Credit Amount No. of Credit Amount No. of Credit AmountAccounts Limit Out- Accounts Limit Out- Accounts Limit Out-


10 11 12 13 14 15 16 17 18

! ! !

! !

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"## ! ! ! !!

4412. ..4. 2/4 .41 02/4. //4 4/24/ 10241 //.4/1

## + ),56#+

TABLE NO. 4.5 SIZE OF CREDIT LIMIT AND ORGANISATION-WISE CLASSIFICATION OF OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL BANKS





1 2 3 4 5 6 7 8 9

!

! !

! !

!! !! !! !

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"##

"## ! ! ! ! !

"##

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"##

"## ! ! ! ! ! ! !

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"## !! !! ! ! ! !

"## ! ! ! ! !! !!

411 10.4/1 .0.4/ 141 114 0.24. 424 ..041/ .242/

87

78

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. / 0 1 2

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4/14.. /4. 240 40420 .1024.1 20//41 4..42 21040 24.

8

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. / 0 1

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4040. 0/041 /40 4./4 24 /...421 40 .041. //.41

## + ),56#+

88

TABLE NO. 4.7 BANK GROUP-WISE OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL BANKSACCORDING TO SIZE OF CREDIT LIMIT


STATE BANK OF INDIA NATIONALISED BANKS FOREIGN BANKSAND ITS ASSOCIATES



1 2 3 4 5 6 7 8 9

! ! !! ! !

! ! !

! ! ! !

!! ! !! ! !!

! ! ! ! !

! ! ! ! !!

"## ! ! ! !!

"##

"## ! ! ! !! !

"##

"## ! ! ! ! ! !

"##

"## ! !!

"##

"## ! ! !

"## ! ! !!

14.4. 1.24/ .10410 44.. .0.242 .40 ..4420 0/42 1/.4.

REGIONAL RURAL BANKS OTHER SCHEDULED ALL SCHEDULEDCOMMERCIAL BANKS COMMERCIAL BANKS



10 11 12 13 14 15 16 17 18

!! ! !! !! !

!! ! ! !!

! ! ! !!

! !

! ! ! !

! ! ! !

"## ! ! !

"##

"## ! ! !

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"##

"## '' '' '' ! ! !!

"##

"## '' '' '' ! !

"## '' '' '' ! !

404 20.4. 11140 ..404201 /04/ /40 /.4114.02 1//0420 //22.41

89

POPULATIONGROUP

TABLE NO. 4.8 - POPULATION GROUP AND BANK GROUP-WISE OUTSTANDING CREDIT OFSCHEDULED COMMERCIAL BANKS ACCORDING TO BROAD RANGES OF CREDIT LIMIT

MARCH 2002

STATE BANK OF INDIA AND ITS ASSOCIATES (Amount in Rupees Lakh)

Rs.25,000 AND LESS ABOVE Rs.25,000 AND ABOVE Rs.2 LAKHUPTO Rs.2 LAKH

No. of Credit Amount No. of Credit Amount No. of Credit AmountAccounts Limit Out- Accounts Limit Out- Accounts Limit Out-


1 2 3 4 5 6 7 8 9

4 ! !

56+07428 ! !

428 !!! ! !!

+6,(.(0,8

1..4// 2140 2.140 241

.014 /.0/40 .041.. 1/4. 124..

NATIONALISED BANKS




10 11 12 13 14 15 16 17 18

4 !! ! !

56+07428 ! ! !! !

428 ! ! !

+6,(.(0,8 ! ! ! ! ! !

/04/0 122140 .4 014 /142.

.40 142/ 22041 2.4

FOREIGN BANKS




19 20 21 22 23 24 25 26 27

4 '' '' '' '' '' '' ! !

56+07428 !

428 ! !

+6,(.(0,8 ! !! !

4 0240 1024/ 14.01 /4. .1/42/ 14/1 .242 .40

POPULATIONGROUP

POPULATIONGROUP

90

TABLE NO. 4.8 - POPULATION GROUP AND BANK GROUP-WISE OUTSTANDING CREDIT OFSCHEDULED COMMERCIAL BANKS ACCORDING TO BROAD RANGES OF CREDIT LIMIT

MARCH 2002

REGIONAL RURAL BANKS (Amount in Rupees Lakh)




28 29 30 31 32 33 34 35 36

4 !! !

56+07428 ! !! ! ! ! !

428 !! ! !! !!

+6,(.(0,8 ! !

2.42 /./402 242. 4/0 12/42 024/ 1.42. 24. .41

OTHER SCHEDULED COMMERCIAL BANKS




37 38 39 40 41 42 43 44 45

4 ! ! ! ! !

56+07428 ! ! ! ! ! !

428 ! !

+6,(.(0,8 ! !

0141 401 22410 ..141 24. 14 241 /114 4

ALL SCHEDULED COMMERCIAL BANKS




46 47 48 49 50 51 52 53 54

4 !! ! ! ! !!

56+07428 !! !! ! !

428 ! ! ! ! ! ! !

+6,(.(0,8 ! ! !! ! !

.0.4/. /.24/ .1/4. 104.0 224/0 100400 /14/2 21/24 /..

41

POPULATIONGROUP

POPULATIONGROUP

POPULATIONGROUP

91

TABLE NO. 4.9 STATE AND POPULATION GROUP-WISE OUTSTANDING CREDIT OFSCHEDULED COMMERCIAL BANKS


RURAL SEMI-URBAN

REGION / STATE / No. of Credit Amount No. of Credit AmountUNION TERRITORY Accounts Limit Out- Accounts Limit Out-

standing standing

1 2 3 4 5 6

04/4/. .4. 2/.4 /4114 00142 241

9#: !

9/&.#

; ! !

> ! ! !!

"-# ! !

*& ! !

04/4/ 1420 400 .4.420 /4. 0./4/

#/&.# ! !

! ! !

+# ! ! !

+-&: !! !

+?# ! !

8-& ! ! !

,## !

/24042 ..04 041. 0442/ 4./ 1

4.2

2# ! !

;# !! !! ! !

(#

! !

5 !

@2-& !

92

TABLE NO. 4.9 STATE AND POPULATION GROUP-WISE OUTSTANDING CREDIT OFSCHEDULED COMMERCIAL BANKS


URBAN METROPOLITAN


standing standing

7 8 9 10 11 12

4040 .4 004/ /42.42 .240 1142

9#: ! ! ! '' '' ''

9/&.# '' '' '' '' '' ''

; ! !!

> ! !! !! ! ! !

"-# !! '' '' ''

*& '' '' '' ! !

414.2 /40 1014.

#/&.# '' '' '' '' '' ''

'' '' ''

+# ! ! '' '' ''

+-&: ! '' '' ''

+?# ! '' '' ''

8-& '' '' '' '' '' ''

,## '' '' ''

4..400 /.41 ..2411 44/.. ./.41 124/

2# ! '' '' ''

;# '' '' ''

(#

! '' '' ''

5 '' '' '' '' '' ''

@2-& !! ! !

93

TABLE NO. 4.10 STATE AND BANK GROUP-WISE OUTSTANDING CREDIT OFSCHEDULED COMMERCIAL BANKS


STATE BANK OF INDIA AND NATIONALISED BANKSITS ASSOCIATES


standing standing

1 2 3 4 5 6

14.42 /14 .1.41 .440 1/.0242 0/.4.

9#: ! !!

9/&.# !

; ! ! !

> ! ! !

"-# !! ! !

*& ! !

4/4/ /4. 2.4 4./42 ./4// 1142

#/&.# ! ! !! !

! !

+# ! !!

+-&: ! !

+?# !! !

8-& !

,## ! ! !!

24/4 .41 /04.1 .040402 ./1/401 .04//

2# !

;# ! ! !

(#

! !

5 ! ! !

@2-& ! ! ! !! !

94



FOREIGN BANKS REGIONAL RURAL BANKS

REGION / STATE No. of Credit Amount No. of Credit AmountUNION TERRITORY Accounts Limit Out- Accounts Limit Out-

standing standing

7 8 9 10 11 12

0404020 1

/4 0.41/ 24/420. 214. .41

9#: !! !

9/& .# ! ! !

; ! ! ! !!

> ! !

"-# ! ! '' '' ''

*&

/ 14/1 4 414. 204/ 4

#/& .# ! !!

!

+# '' '' '' ! ! !

+-&: '' '' '' !

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8-& '' '' '' !

,## '' '' '' ! !

00401 0241/ 0141 .404. /.4.1 ./.40

2# ! !!

;# '' '' '' !

(#

! !

5 '' '' '' '' '' ''

@2-& ! !

95



OTHER SCHEDULED ALL SCHEDULEDCOMMERCIAL BANKS COMMERCIAL BANKS


standing standing

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103

TABLE NO.5.2 ORGANISATION-WISE CLASSIFICATION OF OUTSTANDING CREDITOF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION


CENTRAL GOVERNMENT STATE GOVERNMENTOWNED UNDERTAKINGS

OCCUPATION No. of Credit Amount No. of Credit AmountAccounts Limit Outstanding Accounts Limit Outstanding

1 2 3 4 5 6

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