Strb200809 Full

STATISTICAL TABLES
RELATING TO
BANKS IN INDIA
2008-09
RESERVE BANK OF INDIA

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CONTENTS
FOREWORD
GLIMPSES INTO THE HISTORY
EXPLANATORY NOTES
LIABILITIES AND ASSETS OF RESERVE BANK OF INDIA – 2008 AND 2009
STATISTICS RELATING TO SCHEDULED COMMERCIAL BANKS AT A GLANCE
Table Title Page

No. No.
SUMMARY TABLES
1 OFFICES
1.1 Offices of Commercial Banks in India – 2005 to 2009 1
1.2 Population group-wise distribution of offices opened or closed 3
by Commercial Banks – 2008 and 2009
1.3 State and population group-wise distribution of offices opened by 5
Commercial Banks – 2008 and 2009
1.4 State and population group-wise distribution of centres and offices of 7
1.5 Offices of Indian Commercial Banks outside India – 2007 to 2009 10
1.6 Region-wise distribution of offices of State and District Central Co-operative 11
Banks – 2008 and 2009
1.7 State-wise distribution of number of branches of State and District Central 13
Co-operative Banks – 2007 and 2008
2 BUSINESS
2.1 Business of Scheduled Banks in India – 2008-09 14
2.2 Business of Scheduled Banks in India according to bank group – 2008-09 20
2.3 State-wise distribution of deposits and credit of Scheduled 35
Commercial Banks in India - 2008 and 2009
2.4 State and bank group-wise distribution of deposits and credit of Scheduled 37
2.5 Population group-wise distribution of deposits and credit of 41
Scheduled Commercial Banks - 2005 to 2009
2.6 Bank group-wise selected ratios of Scheduled Commercial Banks – 2008 and 2009 43
2.7 Bank group-wise maturity profile of selected items of liabilities 44
and assets – 2008 and 2009
I
Table Title Page
No. No.
3 LIABILITIES AND ASSETS
3.1 Bank group-wise liabilities and assets of Scheduled Commercial Banks 46

in India – 2008 and 2009
3.2 State-wise distribution of liabilities and assets of State Co-operative 50

Banks – 2007 and 2008
3.3 State-wise distribution of liabilities and assets of District Central Co-operative 52

Banks – 2007 and 2008
3.4 Liabilities and assets of Indian Scheduled Commercial Banks in foreign 54

countries – 2007 to 2009
4 DEPOSITS
4.1 Maturity pattern of term deposits of Scheduled Commercial 55

Banks – 2006 to 2008
4.2 Ownership of deposits with Scheduled Commercial Banks – 2007 and 2008 56
5 ADVANCES
5.1 Bank group-wise distribution of outstanding credit of Scheduled Commercial 59

Banks according to occupation – 2008
5.2 Bank group-wise distribution of outstanding credit of Scheduled Commercial 63

Banks according to size of credit limit – 2008
5.3 Distribution of outstanding credit of Scheduled Commercial Banks according 67

to interest rate range – 2007 and 2008
5.4 Outstanding advances of Scheduled Commercial Banks to 68

exporters.
5.5 Outstanding advances of Scheduled Commercial Banks for public food 68

procurement operations
5.6 Sector-wise gross bank credit of Scheduled Commercial Banks 69
5.7 Industry-wise gross bank credit of Scheduled Commercial Banks 73
6 PRIORITY SECTOR ADVANCES
6.1 Distribution of select items of Scheduled Commercial Banks’ advances to 77

Priority Sectors – 2008
6.2 State-wise distribution of outstanding advances of Scheduled Commercial 84

Banks to Agriculture – 2008
6.3 Distribution of outstanding advances of Public Sector Banks to 88

Priority Sectors – 2009
II
Table Title Page
No. No.
6.4 Distribution of outstanding advances of Public Sector Banks to 89

Agriculture – 2009
6.5(A) Distribution of outstanding direct and indirect advances of Public Sector 90

Banks to Small Enterprises - 2009
6.5(B) Distribution of outstanding advances of Public Sector Banks to 91

Small Enterprises - 2009
6.5(C) Distribution of outstanding advances of Public Sector Banks to 92

Retail Trade, Micro Credit, and State Sponsored Organisations - 2009
6.5(D) Distribution of outstanding advances of Public Sector Banks to Education, 93

Housing, and Export - 2009
6.6 Distribution of outstanding advances of Public Sector Banks under Differential 94

Rates of Interest (DRI) scheme and to the weaker sections – 2009
7 NPAs
7.1 Bank group-wise classification of loan assets of Scheduled Commercial 95

Banks – 2004 to 2009
7.2 Composition of NPAs of Public Sector Banks – 2001 to 2009 97
8 INVESTMENTS
8.1 Investments of Scheduled Commercial Banks – 2006 to 2008 98
8.2 State-wise distribution of investments of Scheduled Commercial Banks in 100

State Government Securities and Shares/Debentures/Bonds of State
Associated Bodies – 2007 and 2008
9 EARNINGS AND EXPENSES
9.1 Bank group-wise earnings and expenses of Scheduled Commercial 105

Banks in India – 2007-08 and 2008-09
10 EMPLOYEES
10.1 State-wise distribution of employees of Scheduled Commercial Banks – 2008 107
11 MISCELLANEOUS
11.1 Cash Reserve Ratio and interest rates – 2008-09 108
11.2 Cheque Clearances – 2005-06 to 2008-09 109
11.3 Number of Clearing Houses – 1978 to 2009 110
11.4 Bank group-wise and occupation-wise weighted average lending rate and 111
deposit rate – 2007 and 2008
11.5 Bank group-wise insured deposits – 2007-08 and 2008-09 113
III
Table Title Page
No. No.
BANK-WISE TABLES
B1 Liabilities and assets of Scheduled Commercial Banks – 2008 and 2009 116
B2 Earnings and expenses of Scheduled Commercial Banks – 2007-08 and 2008-09 174
B3 Bank-wise Capital Adequacy Ratio (CRAR) of Scheduled Commercial 195
Banks 2008 and 2009
B4 Provisions and contingencies of Scheduled Commercial Banks – 2009 198
B5 Contingent liabilities of Scheduled Commercial Banks – 2008 and 2009 201
B6 Movements of Non-Performing Assets (NPAs) of Scheduled Commercial 207
Banks – 2007-08 and 2008-09
B7 Bank-wise Gross Non-Performing Assets, Gross Advances, and 210
Gross NPA Ratio of Scheduled Commercial Banks – 2009
B8 Appropriation of profit of Scheduled Commercial Banks – 2007-08 and 2008-09 213
B9 Exposure to sensitive sectors of Scheduled Commercial Banks – 2008 and 2009 222
B10 Maturity profile of selected items of liabilities and assets of Scheduled 225
B11 Loan subjected to restructuring and corporate debt restructured – 2008-09 267
B12 Selected ratios of Scheduled Commercial Banks – 2008 and 2009 269
B13 Bank-wise and population group-wise number of offices of Scheduled 290
B14 Commercial banks and their offices in States and Union 298
Territories – 2008 and 2009
B15 Bank-wise and category-wise employees of Scheduled 314
B16 Unclaimed deposits with Scheduled Commercial Banks – 2008 316
B17 List of amalgamated Regional Rural Banks 322
B18 Bank-wise and country-wise offices of Indian Scheduled Commercial 326
Banks outside India - 2009
MAPS
1 State and Union Territory-wise distribution of offices of Commercial Banks – 2009 9
2 State and Union Territory-wise credit-deposit ratio of Scheduled 40
Commercial Banks – 2009
GRAPHS
1 Population group-wise distribution of number of offices of 2
2 Scheduled Commercial Banks’ business in India – 2001 to 2009 34
3 Population group-wise distribution of deposits and credit of Scheduled 42
4 Occupation-wise distribution of credit by Scheduled Commercial Banks 62
according to Bank Groups – 2008
5 Distribution of outstanding credit of Scheduled Commercial Banks 66
according to interest rate range – 2007 and 2008
6 Composition of investments of Scheduled Commercial Banks – 2007 and 2008 99
7 Earnings, expenses and profits of Scheduled Commercial 103
Banks – 2003-04 to 2008-09
8 Composition of major items in total earnings and expenses of Scheduled 104
Commercial Banks – 2007-08 and 2008-09
IV
FOREWORD
The Reserve Bank’s annual publication, Statistical Tables Relating to Banks in India, provides key
information on banks. It covers bank-wise and bank group-wise information on major items such as liabilities
and assets, income and expenses, non-performing assets, financial ratios, spatial distribution of offices,
number of employees and details of priority sector advances. It also provides bank group-wise monthly data
on some of the major items such as aggregate deposits, liabilities to the banking system, assets with the
banking system, investments, bank credit, and, sector-wise and industry-wise gross bank credit.
This publication had started prior to the establishment of the Reserve Bank of India. The first issue
was brought out by the then Department of Statistics, Government of India in 1915 which covered data for
1914 and was brought out under the guidance of Mr. G. Findlay Shirras, the then Director of Statistics,
Government of India. It is worth mentioning that Late Professor P. R. Brahmananda dedicated his book
Money, Income, Prices in 19th Century India, published in 2001, to Mr. G. Findlay Shirras, among others. In
order to commemorate the origin of this publication, the cover page of the first issue brought out in 1915 is
reproduced in this volume.
The work relating to the publication was transferred to the Reserve Bank of India in 1939. The last
issue, which incidentally was also the 25th issue, of the publication brought out by the Government of India
was in 1941, with data pertaining to 1938. The first issue under the aegis of the Reserve Bank of India was
brought out in 1941, with data pertaining to 1939 and 1940. The cover page of the last issue brought out by
the Government of India and ‘Prefatory Note’ in the first issue brought out by the Reserve Bank of India as
reproduced in Statistical Tables Relating to Banks in India 2005-06 are also given in this volume.
This is the 64th volume of the publication by the Reserve Bank of India. If we count volumes published
by the then Department of Statistics, Government of India, then this could be the 89th volume, marking the
long history of continuity of this publication.
This publication has continued for nearly a century underscores its relevance. It is also a tribute to
the efforts and dedication of concerned officials first in the Government of India and now in the Reserve
Bank of India. In this tradition, this volume has been brought under the guidance of Dr. A. M. Pedgaonkar,
Principal Adviser, and Dr. Balwant Singh, Adviser, DSIM.
I am sure, as in its glorious past, the current volume would prove to be a valuable source of information
on Indian banks.
The staff team for this publication is headed by Shri V. Bahuguna, Director, with able support from
Dr. N. K. Unnikrishnan, Assistant Adviser, Shri Bhaskar Birajdar, Research Officer and Smt. Shobha A.
Parab, Assistant Manager. They were assisted by Smt. F. K. Kazi, Assistant Manager, and Smt. P. Vanmali,
Data Processing Assistant.
I dedicate this volume to those, past and present, who contributed to its rich tradition.
Deepak Mohanty
Executive Director
November 18, 2009
V
Glimpses into the History
The cover page of Statistical Tables Relating to Banks in India brought out by the
Department of Statistics, Government of India, in 1915.
VI
The first page of Introductory Memorandum, Statistical Tables Relating to Banks in India,
published in 1915.
VII
The second page of Introductory Memorandum, Statistical Tables Relating to Banks in India,
published in 1915.
VIII
The third page of Introductory Memorandum, Statistical Tables Relating to Banks in India,
published in 1915.
IX
The cover page of Statistical Tables Relating to Banks in India published in 1941.
This was the last issue brought out by the Government of India.
X
The first page of Prefatory Note, Statistical Tables Relating to Banks in India, published in 1941.
This was the first issue brought out by the Reserve Bank of India.
XI
The map of India depicting distribution of offices of the scheduled banks and the
Reserve Bank of India as given in Statistical Tables Relating to Banks in India, 1941.
This was the first issue brought out by the Reserve Bank of India.
XII
XIII
EXPLANATORY NOTES
I. Bank-related
1. All banks which are included in the Second Schedule to the Reserve Bank of India Act, 1934 are
Scheduled Banks. These banks comprise Scheduled Commercial Banks and Scheduled Co-operative
Banks.
2. Scheduled Commercial Banks in India are categorised into five different groups according to their
ownership and / or nature of operation. These bank groups are (i) State Bank of India and its Associates,
(ii) Nationalised Banks, (iii) Regional Rural Banks, (iv) Foreign Banks and (v) Other Indian Scheduled
Commercial Banks (in the private sector).
3. Scheduled Co-operative Banks consist of Scheduled State Co-operative Banks and Scheduled Urban
Co-operative Banks.
4. Regional Rural Banks and Scheduled Co-operative Banks are excluded in bank-wise tables and their
summary tables at bank group level. However, details of Regional Rural Banks and Scheduled Co-
operative Banks as groups are presented in Tables 2.1 and 2.2.
5. During the financial year 2008-09, the following changes have taken place in the commercial banking
system:
(I) Centurion Bank of Punjab Limited merged with HDFC Bank Limited with effect from May 23,
2008.
(II) State Bank of Saurashtra merged with State Bank of India with effect from August 13, 2008.
(III) JSC VTB Bank was included in the second schedule of the Reserve Bank of India Act, 1934 with
effect from September 19, 2008.
(IV) American Express Banking Corporation was included in the second schedule of the Reserve
Bank of India Act, 1934 with effect from December 27, 2008.
(V) UBS AG was included in the second schedule of the Reserve Bank of India Act, 1934 with effect
from February 02, 2009.
(VI) There were 91 Regional Rural Banks as at end-March 2008. However, due to amalgamation,
number of such banks came down to 86 as on March 31, 2009 and further down to 84 as on July
20, 2009. A detailed list of amalgamated Regional Rural Banks as on July 20, 2009 is given in
Table B17.
These changes are reflected in the tables where individual bank’s data are presented.
6. In the bank group-wise classification, IDBI Bank Ltd. has been included in Nationalised Banks.
7. Data pertaining to Tamilnad Mercantile Bank Limited is based on un-audited annual account.
8. Population groups of the banked centres presented in this volume are based on the 2001 census. The
population groups are defined as under:
Population Population Groups

0 - 10,000 Rural
10,000 - 1,00,000 Semi-Urban
1,00,000 - 10,00,000 Urban
10,00,000 & above Metropolitan
XIII
II. Table-related
Tables 6.1 to 6.7 – The tables sourced by Rural Planning and Credit Department of Reserve Bank of
India have undergone changes as the Department has changed the reporting format for priority sector
advances for banks. Apart from giving separate data for some sub-heads of priority sector, the priority
sector advances have been presented as per cent of Adjusted Net Bank Credit (ANBC) or credit
equivalent of Off-Balance Sheet Exposures (OBE) whichever is higher as in the new format.
Tables 2.1 and 2.2 - Data are compiled from the fortnightly “Form-A” returns submitted by the Scheduled
Commercial Banks under Section 42(2) of the Reserve Bank of India Act, 1934 and relate to their
business in India. Inter-bank deposits / assets of maturity of 15 days and above and up to 1 year are
excluded. Data on balances with the Reserve Bank of India are obtained from Weekly Statement of
Affairs of the Reserve Bank of India, Department of Government and Bank Accounts.
Tables 2.3, 2.4, 2.5, 4.1, 5.1, 5.2, 5.3 – The deposit figures reported in Tables 2.3, 2.4, 2.5 and 4.1
exclude inter-bank deposits and, therefore, their coverage is different from that of ‘deposits’ reported in
table 3.1. The bank credit data in tables 2.3, 2.4, 2.5, 5.1, 5.2 and 5.3 comprise term loans, cash credit,
overdrafts and bills purchased and discounted. In addition, the data on bank credit in tables 5.1, 5.2
and 5.3 also include dues from banks.
Tables 2.6 and B12 – Selected financial ratios of Scheduled Commercial Banks (excluding RRBs) are
obtained / calculated from the published annual accounts of banks and relate to the year ended March
31 of 2008 and 2009. The ratios 21 and 30 to 35, viz., “return on assets”, “business (deposits plus
advances) per employee”, “profit per employee”, “capital adequacy ratio”, “capital adequacy ratio – Tier
I”, “capital adequacy ratio- Tier II” and “ratio of net NPAs to net advances” are obtained from “notes on
accounts” of published annual accounts of individual banks. They are not aggregated at the bank-
group level.
Other ratios are calculated using the following concepts.
1. Definitions of the concepts used in the ratios are as follow:
(i) Cash in cash-deposit ratio includes cash in hand and balances with RBI
(ii) Investments in investment-deposit ratio represent total investments including investments in non-
approved securities
(iii) Net interest margin is defined as the total interest earned less total interest paid
(iv) Intermediation cost is defined as total operating expenses
(v) Wage bills is defined as payments to and provisions for employees (PPE)
(vi) Operating profit is defined as total earnings less total expenses, excluding provisions and
contingencies, and
(vii) Burden is defined as the total non-interest expenses less total non-interest income
2. Items like capital, reserves, deposits, borrowings, advances, investments and assets / liabilities used
to compute various financial earnings / expenses ratios (Sr. no.11 to 29) are averages for the two
relevant years.
3. Definitions of the ratios are as follow:
(i) Cash-Deposit ratio = (Cash in hand + Balances with RBI) / Deposits
(ii) Ratio of secured advances to total advances = (Advances secured by tangible assets + Advances
covered by bank or Govt. guarantees) / Advances
XIV
(iii) Ratio of interest income to total assets = Interest earned / Total assets
(iv) Ratio of net interest margin to total assets = (Interest earned - Interest paid) / Total assets
(v) Ratio of non-interest income to total assets = Other income / Total assets
(vi) Ratio of intermediation cost to total assets = Operating expenses / Total assets
(vii) Ratio of wage bill to intermediation costs (Operating Expenses) = PPE / Operating Expenses
(viii) Ratio of wage bill to total expenses = PPE / Total expenses
(ix) Ratio of wage bill to total income = PPE / Total income
(x) Ratio of burden to total assets = (Operating expenses - Other income) / Total assets
(xi) Ratio of burden to interest income = (Operating expenses - Other income) / Interest income
(xii) Ratio of operating profits to total assets = Operating profit / Total assets
(xiii) Return on assets for a bank group (for Table 2.6) is obtained as weighted average of return on
assets of individual banks (from Table B12) in the group, weights being the proportion of total
assets of the bank as percentage to total assets of all banks in the corresponding bank group
(xiv) Return on Equity = Net Profit / (Capital + Reserves and Surplus)
(xv) Cost of Deposits = IPD / Deposits
(xvi) Cost of Borrowings = IPB / Borrowings
(xvii) Cost of Funds = (IPD + IPB) / (Deposits + Borrowings)
(xviii) Return on Advances = IEA / Advances
(xix) Return on Investments = IEI / Investments
(xx) Return on Advances adjusted to Cost of Funds = Return on Advances – Cost of Funds
(xxi) Return on Investment adjusted to Cost of Funds = Return on Investments – Cost of Funds
Whenever appropriate, denominators in the ratios use averages of “current year” and “previous year”. For
instance, ratio of net interest margin to total assets for the year 2008-09 uses denominator as average total
assets for the years 2007-08 and 2008-09.
Abbreviations used in the above definitions are as follows.
PPE = Payment to and provisions for employees
IPD = Interest paid on deposits
IPB = Interest paid on borrowings from RBI and other agencies
IEA = Interest earned on advances and bills
IEI = Interest earned on investments
XV
Table 4.2 – The total outstanding deposits of scheduled commercial banks are estimated based on a
sample 13,046 of branches in this table.
Tables 9.1 and B2 – Data in these tables are obtained from various schedules of profit and loss
account as published by banks in their annual accounts. ‘Total expenses’ shown in these tables exclude
‘provisions and contingencies’. The item ‘profit’ is computed by subtracting interest expenses, operating
expenses and provisions and contingencies from total earnings of the bank.
Table 10.1 - This table is based on the data collected through Basic Statistical Return II and include
only full-time employees of the banks.
Table 11.4 - Data are based on BSR I and BSR II received from all branches of scheduled commercial
banks and relate to accounts with credit limit of over Rs.2 lakhs. The credit is exclusive of inland &
foreign bills purchased and discounted. Amount outstanding is used as weights for calculating average
lending rates. The deposit rate corresponds to only term deposits. The data for 2008 on average
deposit rate are based on 65027 reporting branches out of 74207 branches.
Tables B1 to B12 - Presents data on individual Scheduled Commercial Banks, excluding Regional
Rural Banks.
Tables 3.1 and B1 - Most banks have given ‘investment reserves’ instead of ‘investment fluctuation
reserves’; for convenience, no distinction has been made between these two special reserves.
Table B16 - Data relate to deposit accounts in India, which have not been operated upon for 10 years
or more as on 31st December 2008 and are based on returns submitted by banks in Form IX under
Section 26 of the Banking Regulation Act, 1949.
III. General
1. The totals in the tables may not exactly tally with the sum of the constituent items on account of
rounding off of the figures.
2. Figures in brackets, unless otherwise specified, indicate percentage to totals.
3. The unit lakh is equal to 1,00,000 and unit crore is equal to 1,00,00,000.
4. The symbol ‘–’ indicates nil or negligible and ‘..’ indicates not available or not applicable.
5. Source and notes as appropriate are given at the end of each table.
6. The year ‘2008’ refers to financial year April 2007 to March 2008 and the year ‘2009’ refers to
financial year April 2008 to March 2009.
7. Some of the data for the previous years have been revised.
XVI
LIABILITIES AND ASSETS OF THE RESERVE BANK OF INDIA : 2008 AND 2009
(Amount in Rs. Crore)

As on As on As on As on
Liabilities March 31, March 27, Assets March 31, March 27,
2008 2009 2008 2009
(1) (2) (3) (4)
BANKING DEPARTMENT
1. Capital paid-up 5 5 1. Notes 22 16

2. Reserve fund 6500 6500 2. Rupee coin — —
3. Small coin — —
4. Bills purchased and discounted — —
3. National Industrial Credit 16 17 (a) Internal — —
(long-term operations) Fund (b) External — —
(c) Government Treasury bills — —
4. National Housing Credit 190 191 5. Balances held abroad 615828 557069
(long-term operations) Fund 6. Investments@ 148851 149359
7. Loans and advances to:
5. Deposits (i) Central Government — —
(ii) State Government 172 —
a) Government 8. Loans and advances to:
(i) Scheduled Commercial Banks 4571 11728
(i) Central Government # 225079 88178 (ii) Scheduled State Co-operative Banks 19 —
(ii) State Government ## 41 1045 (iii) Other Scheduled Co-operative Banks —
(iv) Non-scheduled State Co-operative Banks —
b) Banks (v) National Bank for Agriculture and —
Rural Development (NABARD)
(i) Scheduled Commercial 311880 238195 (vi) Others 438 9834
Banks 9. Loans, advances and investments from National
Industrial Credit (long-term operations) Fund
(ii) Scheduled State 4214 3142 (a) Loans and advances to:
Co-operative Banks (i) Industrial Development Bank of India — —
(ii) Export Import Bank of India — —
(iii) Other Scheduled 4750 3537 (iii) Industrial Investment Bank of India — —
Co-operative Banks (iv) Others — —
(b) Investments in bonds/debentures issued by:
(iv) Non-scheduled State 58 96 (i) Industrial Development Bank of India — —
Co-operative Banks (ii) Export Import Bank of India — —
(iii) Industrial Investment Bank of India — —
(v) Other banks 7545 6195 (iv) Others — —
10. Loans, advances and investments from National
c) Others 16027 11768 Housing Credit (long-term operations) Fund
(a) Loans and advances to National Housing Bank 50 —
6. Bills payable 327 314 (b) Investments in bonds/debentures issued by — —
National Housing Bank
7. Other liabilities 205796 389375 11. Other assets * 12478 20552
Total Liabilities 782428 748558 Total Assets 782429 748558
ISSUE DEPARTMENT
1. Notes held in the 22 16 1. Gold coin and bullion
Banking department (i) Held in India 32779 40390
(ii) Held outside India — —
2. Notes in circulation 581577 681058 2. Foreign Securities 547641 639531
Total (1+2) 580420 679921
3. Rupee coin 132 106
4. Government of India rupee securities 1046 1046
5. Internal bills of exchange
& other commercial paper
Total Liabilities ( Total notes issued ) 581599 681074 Total Assets 581598 681074
Note : * Includes gold valued at Rs.7344.88 crore as on March 31, 2008 and Rs.9050.24 crore as on March 27, 2009.
@ : Includes Foreign Currency Asset of Rs.32359.13 crore which forms part of Balances held abroad as on March 31,2008
and Rs.25468.60 crore as on March 27, 2009.
# : Includes Rs.168392.49 crore balance under Market Stabilization Scheme as on March 31, 2008 and Rs.88077.03 crore as
on March 27, 2009.
## : Includes the balance of Government of Union Territory of Puducherry.
Source : Weekly Statement of Affairs of the Reserve Bank of India, Department of Government and Bank Accounts.
XVII
STATISTICS RELATING TO COMMERCIAL BANKS AT A GLANCE
Indicators March March March March March March March March March
2001 2002 2003 2004 2005 2006 2007 2008 2009
Number of Commercial Banks 300 297 292 290 289 222 183 174 170
(a) Scheduled Commercial Banks 296 293 288 286 285 218 179 170 166
of which: Regional Rural Banks 196 196 196 196 196 133 96 91 86
(b) Non-Scheduled Commercial Banks 5 4 4 5 4 4 4 4 4
Number of Bank Offices in India 67937 68195 68500 69170 70373 71685 74346 78666 82408
(a) Rural 32585 32503 32283 32227 30790 30436 30575 31105 31699
(b) Semi-Urban 14843 14962 15135 15288 15325 15811 16620 17897 19082
(c) Urban 11193 11328 11566 11806 12419 13034 14049 15530 16614
(d) Metropolitan 9316 9402 9516 9750 11839 14204 13102 14134 15013
Population per Office (in thousands) 15 15 16 16 16 16 15 15 14
Aggregate deposits of Scheduled
Commercial Banks in India (Rs. crore) 989141 1131188 1311761 1504416 1700198 2109049 2611934 3196940 3834110
(a) Demand deposits 159407 169103 187837 225022 248028 364640 429731 524310 523085
(b) Time deposits 829734 962085 1123924 1279394 1452171 1744409 2182203 2672630 3311025
Credit of Scheduled Commercial 529271 609053 746432 840785 1100428 1507077 1931190 2361913 2775549
Banks in India (Rs. crore)
Investments of Scheduled
Commercial Banks in India (Rs. crore) 367184 437482 547546 677588 739154 717454 791516 971714 1166410
Deposits of Scheduled Commercial 1456 1659 1925 2265 2574 3047 3675 4344 4980
Banks per office (Rs. lakh)
Credit of Scheduled Commercial 779 893 1143 1330 1700 2209 2757 3222 3615
Banks per office (Rs. lakh)
Per capita Deposit of Scheduled 9770 11008 12253 14089 16281 19130 23382 28610 34372
Commercial Banks (Rs.)
Per capita Credit of Scheduled 5228 5927 7275 8273 10752 13869 17541 21218 24945
Commercial Banks (Rs.)
Deposits of Scheduled Commercial Banks 56.0 54.4 58.8 59.4 60.0 65.4 70.1 74.4 78.1
as percentage to Gross National Product
at factor cost (at current prices)
Scheduled Commercial Banks’ Advances 182255 205606 254648 263834 381476 510175 632647 738686 932459
to Priority Sectors (Rs. crore)
Share of Priority Sector Advances in total 31.0 34.8 35.1 34.5 36.7 35.3 34.3 32.9 35.2
credit of Scheduled Commercial Banks (per cent)
Credit-Deposit Ratio (per cent) 53.5 53.8 56.9 55.9 62.6 70.1 73.5 74.6 73.9
Investment-Deposit Ratio (per cent) 37.1 38.7 41.3 45.0 47.3 40.0 35.3 35.5 35.7
Cash-Deposit Ratio (per cent) 8.4 7.1 6.3 7.2 6.4 6.7 7.2 9.7 7.3
Notes : 1) Number of bank offices includes Administrative Offices.

2) Classification of bank offices according to population, for years upto March 2004 it is based on 1991 census.
For March 2005 to March 2009, classification of bank offices are based on 2001 census.
3) Population per office, per capita deposits and per capita credit are based on the estimated mid-year population
figures, supplied by the Office of the Registrar General, India.
4) Deposits, credit and investments of Scheduled Commercial Banks in India are as per “Form-A” return under
Section 42(2) of the Reserve Bank of India Act, 1934 and relate to the last Friday of the reference period.
5) Scheduled Commercial Banks’ advances to priority sectors and the related ratios are exclusive of Regional Rural
Banks.
6) For working out cash-deposit ratio, cash is taken as the total of ‘cash in hand’ and ‘balances with the Reserve
Bank of India’.
The data for ‘cash in hand’ are taken from “Form-A” return as per Section 42(2) of the Reserve Bank of India
Act, 1934 and ‘balances with the Reserve Bank of India’ are taken from the “Weekly Statement of Affairs of the
Reserve Bank of India”.
7) Investments of Scheduled Commercial Banks in India include only investments in government securities and other
approved securities.
XVIII
Summary Tables
TABLE 1.1 : OFFICES OF COMMERCIAL BANKS IN INDIA - 2005 TO 2009
As on March 31
Bank Group 2005 2006 2007 2008 2009

(1) (2) (3) (4) (5)
State Bank of India and its Associates 14006 14294 14651 15814 16731
Nationalised Banks $ 35096 35848 37413 39204 40766
Foreign Banks 242 259 272 279 295
Regional Rural Banks 14763 14776 14812 15029 15384
Other Scheduled Commercial Banks 6462 6828 7415 8294 9186
Non-Scheduled Commercial Banks 37 41 46 46 46
Total 70606 72046 74609 78666 82408
Notes : No. of offices includes administrative offices.

$ Includes IDBI Bank Ltd.
Data for 2005 to 2008 have been revised and data for 2009 are provisional.
Source : Master Office File (latest updated version) on commercial banks,
Department of Statistics and Information Management, RBI.
1
GRAPH - 1
POPULATION GROUP-WISE DISTRIBUTION OF NUMBER OF OFFICES
OF COMMERCIAL BANKS - 2008 AND 2009
(As on March 31)
35000
31699
31105
30000
25000
17897 19082
20000
15530 16614
14134 15013
15000
10000
5000
0
2008 2009
Rural Semi-Urban Urban Metropolitan
2
TABLE 1.2: POPULATION GROUP-WISE DISTRIBUTION OF OFFICES OPENED OR
CLOSED BY COMMERCIAL BANKS - 2008 AND 2009
Number of Offices
As on March 31, 2008 Opened during April 1, 2007 to March 31,2008
Bank Group Rural Semi- Urban Metro Total Rural Semi- Urban Metro Total
Urban politan Urban politan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
State Bank of India & its Associates 5346 4575 3170 2723 15814 238 382 302 251 1173
Nationalised Banks $ 13210 8204 8996 8794 39204 179 458 641 443 1721
Regional Rural Banks 11505 2700 751 73 15029 83 92 59 3 237
Foreign Banks - 2 50 227 279 - - 6 2 8
Other Scheduled Commercial Banks 1033 2396 2548 2317 8294 53 306 349 283 991
Non-Scheduled Commercial Banks 11 20 15 - 46 - - - - -
All Commercial Banks 31105 17897 15530 14134 78666 553 1238 1357 982 4130
Number of Offices
Closed/merged/converted during
Net increase(+) or decrease (-)
As on March 31, 2008
(11) (12) (13) (14) (15) (16) (17) (18) (19) (20)
State Bank of India & its Associates 8 - 1 1 10 230 382 301 250 1163
Regional Rural Banks 16 8 3 - 27 67 84 56 3 210
Foreign Banks - - - - - - - 6 2 8
Non-Scheduled Commercial Banks - - - - - - - - - -
Notes : $ Includes IDBI Bank Ltd.

1. Population group classification is based on 2001 census.
2. The number of closure of offices under any population group includes conversion/merger of offices.
3. No. of offices includes administrative offices.
4. Data for 2008 are revised.
Source : Master Office File ( latest updated version) on commercial banks, Department of Statistics and Information
Management, RBI.
3
TABLE 1.2 : POPULATION GROUP-WISE DISTRIBUTION OF OFFICES OPENED OR
CLOSED BY COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
Number of Offices
As on March 31, 2009 Opened during April 1, 2008 to March 31,2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
State Bank of India & its Associates 5551 4851 3401 2928 16731 205 276 232 205 918
Regional Rural Banks 11639 2830 819 96 15384 143 130 68 23 364
Foreign Banks 4 4 53 234 295 4 2 3 7 16
Non-Scheduled Commercial Banks 11 20 15 - 46 - - - - -
Number of Offices
Closed/merged/converted during
Net increase(+) or decrease (-)
(11) (12) (13) (14) (15) (16) (17) (18) (19) (20)
State Bank of India & its Associates - - - 1 1 205 276 232 204 917
Regional Rural Banks - 11 5 4 20 143 119 63 19 344
Foreign Banks - - - - - 4 2 3 7 16
Other Scheduled Commercial Banks - - - - - 78 255 292 266 891
Non-Scheduled Commercial Banks - - - - - - - - - -
Notes : $ Includes IDBI Bank Ltd.

2. The number of closure of offices under any population group includes conversion/merger of offices.
Source : Master Office File ( latest updated version) on commercial banks, Department of Statistics and Information
Management, RBI.
4
TABLE 1.3 : STATE AND POPULATION GROUP-WISE DISTRIBUTION
OF OFFICES OPENED BY COMMERCIAL BANKS - 2008 AND 2009
Number of Offices
Opened during April 1, 2007
As on As on March 31, 2008
State / Union Territorys March Rural Semi- Urban Metro Total Rural Semi- Urban Metro Total
31, 2007 Urban politan Urban politan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Andaman & Nicobar 37 - - - - - 17 20 - - 37

Andhra Pradesh 5966 41 91 168 83 383 2316 1464 1568 1003 6351
Arunachal Pradesh 73 - 1 - - 1 50 24 - - 74
Assam 1327 6 14 35 - 55 777 317 287 - 1381
Bihar 3715 8 29 21 23 81 2337 795 395 265 3792
Chandigarh 267 2 - 28 - 30 23 1 273 - 297
Chhattisgarh 1113 11 27 33 - 71 643 232 308 - 1183
Dadra & Nagar Haveli 20 - 1 - - 1 4 17 - - 21
Daman & Diu 18 - - - - - - 18 - - 18
Delhi 1986 1 4 - 161 166 53 31 - 2065 2149
Goa 382 6 22 - - 28 157 252 - - 409
Gujarat 4054 39 64 39 97 239 1449 936 620 1284 4289
Haryana 1902 21 35 95 11 162 671 415 868 110 2064
Himachal Pradesh 869 19 17 5 - 41 703 146 61 - 910
Jammu & Kashmir 928 11 16 23 - 50 536 185 257 - 978
Jharkhand 1588 4 33 44 - 81 960 331 377 - 1668
Karnataka 5437 29 77 86 105 297 2130 1137 1280 1185 5732
Kerala 3868 11 105 70 - 186 329 2631 1093 - 4053
Lakshadweep 10 - - - - - 7 3 - - 10
Madhya Pradesh 3684 19 44 77 60 200 1734 894 716 534 3878
Maharashtra 7101 29 91 86 169 375 2106 1341 1059 2959 7465
Manipur 77 - - - - - 33 20 23 - 76
Meghalaya 191 2 1 1 - 4 123 24 47 - 194
Mizoram 86 1 2 8 - 11 54 14 24 - 92
Nagaland 79 1 3 - - 4 35 48 - - 83
Orissa 2499 38 46 46 - 130 1623 463 547 - 2633
Puducherry 103 3 3 3 - 9 22 29 61 - 112
Punjab 3019 26 84 53 28 191 1093 900 716 498 3207
Rajasthan 3718 17 70 64 34 185 1739 942 817 405 3903
Sikkim 64 6 1 - - 7 46 25 - - 71
Tamil Nadu 5432 46 147 92 64 349 1660 1683 1358 1071 5772
Tripura 195 3 3 7 - 13 106 52 50 - 208
Uttar Pradesh 8963 105 120 159 111 495 4725 1647 1594 1480 9446
Uttarakhand 962 23 39 32 - 94 551 275 230 - 1056
West Bengal 4876 25 48 82 36 191 2293 585 901 1275 5054
TOTAL 74609 553 1238 1357 982 4130 31105 17897 15530 14134 78666
Notes : 1. Population group classification is based on 2001 census.
2. Data on number of offices is inclusive of administrative offices.
Source : Master Office File (latest updated version) on commercial banks, Department of Statistics and Information
Management, RBI.
5
TABLE 1.3 : STATE AND POPULATION GROUP-WISE DISTRIBUTION
OF OFFICES OPENED BY COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
Number of Offices
Opened during April 1, 2008
As on As on March 31, 2009
State / Union Territory March Rural Semi- Urban Metro Total Rural Semi- Urban Metro Total
31, 2008 Urban politan Urban politan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Andaman & Nicobar 37 - - - - - 17 20 - - 37

Andhra Pradesh 6351 72 73 129 75 349 2388 1537 1696 1077 6698
Arunachal Pradesh 74 - 3 - - 3 50 27 - - 77
Assam 1381 13 17 20 - 50 788 334 307 - 1429
Bihar 3792 17 46 35 16 114 2356 846 433 281 3916
Chandigarh 297 1 - 15 - 16 24 1 287 - 312
Chhattisgarh 1183 11 22 38 - 71 654 254 346 - 1254
Dadra & Nagar Haveli 21 1 2 - - 3 5 19 - - 24
Daman & Diu 18 - - - - - - 18 - - 18
Delhi 2149 3 5 - 159 167 56 36 - 2219 2311
Goa 409 2 13 - - 15 159 265 - - 424
Gujarat 4289 37 53 29 75 194 1486 989 649 1357 4481
Haryana 2064 20 53 57 8 138 691 468 924 118 2201
Himachal Pradesh 910 26 14 11 - 51 729 160 72 - 961
Jammu & Kashmir 978 11 7 11 - 29 547 192 268 - 1007
Jharkhand 1668 14 35 33 - 82 974 366 410 - 1750
Karnataka 5732 36 71 63 90 260 2166 1208 1343 1274 5991
Kerala 4053 3 81 51 - 135 332 2712 1142 - 4186
Lakshadweep 10 1 - - - 1 8 3 - - 11
Madhya Pradesh 3878 22 83 71 35 211 1756 977 787 569 4089
Maharashtra 7465 41 74 112 191 418 2143 1415 1171 3147 7876
Manipur 76 2 1 2 - 5 35 21 25 - 81
Meghalaya 194 1 6 4 - 11 124 30 51 - 205
Mizoram 92 1 - 2 - 3 55 14 26 - 95
Nagaland 83 - 3 - - 3 35 51 - - 86
Orissa 2633 31 52 42 - 125 1654 514 588 - 2756
Puducherry 112 6 4 6 - 16 28 33 67 - 128
Punjab 3207 30 65 28 28 151 1123 965 743 526 3357
Rajasthan 3903 17 53 48 26 144 1756 993 861 431 4041
Sikkim 71 - - - - - 46 25 - - 71
Tamil Nadu 5772 49 156 88 70 363 1709 1839 1445 1140 6133
Tripura 208 4 6 1 - 11 110 58 51 - 219
Uttar Pradesh 9446 89 132 140 90 451 4806 1776 1731 1568 9881
Uttarakhand 1056 19 15 16 - 50 570 290 246 - 1106
West Bengal 5054 26 41 45 33 145 2319 626 945 1306 5196
TOTAL 78666 606 1186 1097 896 3785 31699 19082 16614 15013 82408
2. Data on number of offices is inclusive of administrative offices.
3. Data for 2009 are provisional.
Source : Master Office File (latest updated version) on commercial banks, Department of Statistics and Information
Management, RBI.
6
TABLE 1.4 : STATE AND POPULATION GROUP-WISE DISTRIBUTION OF CENTRES AND
OFFICES OF COMMERCIAL BANKS - 2008 AND 2009

Region/State/ Rural Semi-Urban Urban Metropolitan Total
Union Territory No. of No. of No. of No. of No. of No. of No. of No. of No. of No. of
centres offices centres offices centres offices centres offices centres offices
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Northern Region 4317 4818 609 2620 54 2992 5 3078 4985 13508
(15.3) (15.5) (10.4) (14.6) (13.4) (19.3) (16.1) (21.8) (14.4) (17.2)
Chandigarh 12 23 1 1 1 273 - - 14 297
Delhi 46 53 21 31 - - 1 2065 68 2149
Haryana 602 671 134 415 19 868 1 110 756 2064
Himachal Pradesh 609 703 12 146 1 61 - - 622 910
Jammu & Kashmir 443 536 40 185 3 257 - - 486 978
Punjab 981 1093 132 900 12 716 2 498 1127 3207
Rajasthan 1624 1739 269 942 18 817 1 405 1912 3903
North Eastern Region 1075 1178 145 499 12 431 - - 1232 2108
(3.8) (3.8) (2.5) (2.8) (3.0) (2.8) (0.0) (0.0) (3.6) (2.7)
Arunachal Pradesh 47 50 10 24 - - - - 57 74
Assam 700 777 67 317 6 287 - - 773 1381
Manipur 32 33 13 20 2 23 - - 47 76
Meghalaya 114 123 12 24 2 47 - - 128 194
Mizoram 52 54 8 14 1 24 - - 61 92
Nagaland 32 35 11 48 - - - - 43 83
Tripura 98 106 24 52 1 50 - - 123 208
Eastern Region 6706 7276 906 2219 90 2220 3 1540 7705 13255
(23.7) (23.4) (15.5) (12.4) (22.4) (14.3) (9.7) (10.9) (22.3) (16.8)
Andaman & Nicobar 14 17 2 20 - - - - 16 37
Bihar 2182 2337 422 795 18 395 1 265 2623 3792
Jharkhand 876 960 95 331 7 377 - - 978 1668
Orissa 1498 1623 101 463 8 547 - - 1607 2633
Sikkim 32 46 1 25 - - - - 33 71
West Bengal 2104 2293 285 585 57 901 2 1275 2448 5054
Central Region 6876 7653 1012 3048 80 2848 8 2014 7976 15563
(24.3) (24.6) (17.3) (17.0) (19.9) (18.3) (25.8) (14.2) (23.1) (19.8)
Chhattisgarh 568 643 73 232 7 308 - - 648 1183
Madhya Pradesh 1516 1734 270 894 23 716 2 534 1811 3878
Uttar Pradesh 4311 4725 632 1647 47 1594 6 1480 4996 9446
Uttarakhand 481 551 37 275 3 230 - - 521 1056
Western Region 3391 3716 787 2564 56 1679 11 4243 4246 12202
(12.0) (11.9) (13.4) (14.3) (13.9) (10.8) (35.5) (30.0) (12.3) (15.5)
Dadra & Nagar Haveli 4 4 2 17 - - - - 6 21
Daman & Diu - - 3 18 - - - - 3 18
Goa 127 157 23 252 - - - - 150 409
Gujarat 1309 1449 280 936 23 620 4 1284 1616 4289
Maharashtra 1951 2106 479 1341 33 1059 7 2959 2471 7465
Southern Region 5915 6464 2404 6947 110 5360 4 3259 8434 22030
(20.9) (20.8) (41.0) (38.8) (27.4) (34.5) (12.9) (23.1) (24.4) (28.0)
Andhra Pradesh 2133 2316 539 1464 45 1568 2 1003 2720 6351
Karnataka 1947 2130 305 1137 29 1280 1 1185 2282 5732
Kerala 278 329 1007 2631 10 1093 - - 1295 4053
Lakshadweep 7 7 2 3 - - - - 9 10
Puducherry 19 22 7 29 1 61 - - 27 112
Tamil Nadu 1531 1660 544 1683 25 1358 1 1071 2101 5772
All India 28280 31105 5863 17897 402 15530 31 14134 34578 78666
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
Notes : 1. No. of offices includes administrative offices.
4. Figures in bracket indicate percentage share in all India total.
Source : Master Office File on commercial banks (latest updated version), Department of Statistics and Information Management, RBI.
7
TABLE 1.4 : STATE AND POPULATION GROUP-WISE DISTRIBUTION OF CENTRES AND
OFFICES OF COMMERCIAL BANKS - 2008 AND 2009 (Concld.)

Region/State/ Rural Semi-Urban Urban Metropolitan Total
Union Territory No. of No. of No. of No. of No. of No. of No. of No. of No. of No. of
centres offices centres offices centres offices centres offices centres offices
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Northern Region 4354 4926 614 2815 54 3155 5 3294 5027 14190
(15.3) (15.5) (10.4) (14.8) (13.4) (19.0) (16.1) (21.9) (14.5) (17.2)
Chandigarh 12 24 1 1 1 287 - - 14 312
Delhi 47 56 22 36 - - 1 2219 70 2311
Haryana 611 691 137 468 19 924 1 118 768 2201
Himachal Pradesh 615 729 12 160 1 72 - - 628 961
Jammu & Kashmir 449 547 40 192 3 268 - - 492 1007
Punjab 994 1123 133 965 12 743 2 526 1141 3357
Rajasthan 1626 1756 269 993 18 861 1 431 1914 4041
North Eastern Region 1080 1197 145 535 12 460 - - 1237 2192
(3.8) (3.8) (2.5) (2.8) (3.0) (2.8) (0.0) (0.0) (3.6) (2.7)
Arunachal Pradesh 47 50 10 27 - - - - 57 77
Assam 701 788 67 334 6 307 - - 774 1429
Manipur 33 35 13 21 2 25 - - 48 81
Meghalaya 115 124 12 30 2 51 - - 129 205
Mizoram 53 55 8 14 1 26 - - 62 95
Nagaland 32 35 11 51 - - - - 43 86
Tripura 99 110 24 58 1 51 - - 124 219
Eastern Region 6725 7366 908 2397 90 2376 3 1587 7726 13726
(23.6) (23.2) (15.4) (12.6) (22.4) (14.3) (9.7) (10.6) (22.2) (16.7)
Andaman & Nicobar 14 17 2 20 - - - - 16 37
Bihar 2187 2356 424 846 18 433 1 281 2630 3916
Jharkhand 880 974 95 366 7 410 - - 982 1750
Orissa 1505 1654 101 514 8 588 - - 1614 2756
Sikkim 32 46 1 25 - - - - 33 71
West Bengal 2107 2319 285 626 57 945 2 1306 2451 5196
Central Region 6912 7786 1017 3297 80 3110 8 2137 8017 16330
(24.3) (24.6) (17.2) (17.3) (19.9) (18.7) (25.8) (14.2) (23.0) (19.8)
Chhattisgarh 570 654 73 254 7 346 - - 650 1254
Madhya Pradesh 1524 1756 270 977 23 787 2 569 1819 4089
Uttar Pradesh 4333 4806 637 1776 47 1731 6 1568 5023 9881
Uttarakhand 485 570 37 290 3 246 - - 525 1106
Western Region 3406 3793 790 2706 56 1820 11 4504 4263 12823
(12.0) (12.0) (13.4) (14.2) (13.9) (11.0) (35.5) (30.0) (12.3) (15.6)
Dadra & Nagar Haveli 4 5 2 19 - - - - 6 24
Daman & Diu - - 3 18 - - - - 3 18
Goa 127 159 23 265 - - - - 150 424
Gujarat 1316 1486 282 989 23 649 4 1357 1625 4481
Maharashtra 1959 2143 480 1415 33 1171 7 3147 2479 7876
Southern Region 5976 6631 2425 7332 110 5693 4 3491 8515 23147
(21.0) (20.9) (41.1) (38.4) (27.4) (34.3) (12.9) (23.3) (24.5) (28.1)
Andhra Pradesh 2163 2388 545 1537 45 1696 2 1077 2755 6698
Karnataka 1956 2166 307 1208 29 1343 1 1274 2293 5991
Kerala 279 332 1012 2712 10 1142 - - 1301 4186
Lakshadweep 7 8 2 3 - - - - 9 11
Puducherry 22 28 7 33 1 67 - - 30 128
Tamil Nadu 1549 1709 552 1839 25 1445 1 1140 2127 6133
All India 28453 31699 5899 19082 402 16614 31 15013 34785 82408
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
Notes : 1. No. of offices includes administrative offices.
4. Figures in bracket indicate percentage share in all India total.
Source : Master Office File on commercial banks (latest updated version), Department of Statistics and Information Management, RBI.
8
MAP - 1
STATE & UNION TERRITORY-WISE DISTRIBUTION OF OFFICES
OF COMMERCIAL BANKS - 2009
(As on March 31)
Jammu & Kashmir

1007
Himachal
Chandigarh 312
Pradesh
Punjab 961
3357
Uttarakhand
Haryana 1106
2201
Delhi Sikkim
2311 71
Uttara Pradesh
9881
Assam
Bihar 1429
3916
Madhya Pradesh
4089 West
Bengal
5196
Orissa
2756
9
TABLE 1.5 : OFFICES OF INDIAN COMMERCIAL BANKS
OUTSIDE INDIA - 2007 TO 2009
As on March 31
Sr. No. Name of the Country 2007 2008 2009
(1) (2) (3)
1 Afghanistan 1 1 1
2 Australia 1 1 1
3 Bahama 2 2 2
4 Bahrain 3 4 5
5 Bangladesh 4 4 4
6 Belgium 2 3 3
7 Cayman Island 1 1 1
8 Channel Islands 1 1 1
9 China 2 2 4
10 Fiji +
9 9 9
11 France 2 2 2
12 Germany 1 1 1
13 Hongkong 11 14 15
14 Israel 1 1 1
15 Japan 4 4 4
16 Kenya 4 4 4
17 Maldives Islands 1 1 2
18 Mauritius ++
8 8 8
19 Oman 4 4 4
20 Qatar .. 1 1
21 Seychelles 1 1 1
22 Singapore 9 9 12
23 South Africa 2 3 3
24 South Korea 1 1 1
25 Sri Lanka 7 7 7
26 Thailand 1 1 1
27 United Arab Emirates 8 9 9
28 United Kingdom 22 23 24
29 United States of America 6 7 7
Total 119 129 138
Notes : 1. The table does not include representative office opened by Indian Banks outside India.
2. The table excludes (a) 22 Offices in former East Pakistan before the formation of Bangladesh.
The status of the properties of these offices, which were formerly vested with Custodian of Enemy Property,
Pakistan, remains unchanged and (b) 17 offices which were in Pakistan were taken over by that Government as
enemy property in September, 1965.
3. + : Includes two mobile offices.
++ : Includes one mobile office.
Source : Department of Banking Operations and Development, RBI.
10
TABLE 1.6 : REGION-WISE DISTRIBUTION OF OFFICES OF STATE AND
DISTRICT CENTRAL CO-OPERATIVE BANKS - 2008 AND 2009
As on March 31
Rural Semi-Urban Urban
Region/State/ 2008 2009 2008 2009 2008 2009
Union Territory No. of No. of No. of No. of No. of No. of No. of No. of No. of No. of No. of No. of
centres offices centres offices centres offices centres offices centres offices centres offices
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Northern Region 1373 1275 1397 1581 427 479 438 512 168 310 147 310
Haryana 274 147 281 454 44 78 47 83 44 88 44 84
Himachal Pradesh 290 312 313 316 29 36 30 38 9 9 9 9
Jammu & Kashmir 81 74 83 77 27 20 27 21 13 30 12 30
Punjab 599 599 594 594 136 135 123 141 51 86 43 104
Rajasthan 119 119 115 115 191 210 211 229 47 89 35 75
Delhi 5 19 5 19 .. .. .. .. .. .. .. ..
Chandigarh 5 5 6 6 .. .. .. .. 4 8 4 8
North-Eastern Region 62 92 70 94 27 57 21 5 18 76 29 74
Assam .. 18 18 .. 21 .. 21 .. 29 .. 29
Arunachal Pradesh 20 20 20 20 .. .. .. .. 9 13 9 13
Manipur 3 3 4 4 5 5 5 5 1 1 1 1
Meghalaya 20 20 20 20 5 5 5 5 6 16 7 16
Nagaland .. 12 .. 12 .. 9 .. 9 .. .. .. ..
Tripura 19 19 26 20 11 11 11 11 1 10 11 10
Mizoram .. .. .. .. 6 6 .. 6 1 7 1 5
Eastern Region 396 434 398 445 274 302 270 293 242 374 250 381
Bihar 141 141 144 154 83 89 68 68 45 85 60 94
Jharkhand 47 50 55 55 31 31 38 38 28 31 20 24
Orissa 138 142 129 134 92 109 96 114 65 100 64 97
Sikkim 2 4 2 4 2 2 2 2 .. .. .. ..
West Bengal 62 68 62 68 66 71 66 71 104 158 106 166
Andaman &
Nicobar Islands 6 29 6 30 .. .. .. .. .. .. .. ..
Central Region 988 1050 1008 1024 813 875 792 850 381 480 348 437
Chhatisgarh 147 147 147 147 21 21 21 21 22 35 22 35
Madhya Pradesh @ 232 294 240 256 162 221 154 201 112 198 93 168
Uttar Pradesh 493 493 505 505 557 557 555 555 228 228 218 218
Uttarakhand 116 116 116 116 73 76 62 73 19 19 15 16
Western Region 3627 2985 4065 2989 487 684 535 678 157 404 153 342
Gujarat and Dadra
& Nagar Haveli 545 647 789 766 168 182 203 212 13 35 21 67
Maharashtra # 3082 2338 3276 2223 311 473 324 437 139 332 127 238
Goa - - .. .. 8 29 8 29 5 37 5 37
Southern Region 716 892 774 888 460 1022 554 1039 327 578 367 585
Andhra Pradesh 254 248 243 239 198 203 201 207 68 96 74 100
Karnataka 192 280 267 286 67 155 148 152 95 155 108 162
Kerala* .. 87 .. 92 .. 467 .. 473 .. 126 126
Tamil Nadu 270 270 264 264 195 195 205 205 164 189 185 185
Puducherry .. 7 .. 7 .. 2 .. 2 .. 12 .. 12
All India 7162 6728 3647 4032 2488 3419 2075 2751 1293 2222 1141 1787
Notes * : Includes 8 administrative offices.

@ : Includes one extension counter and one administrative office.
# : Includes 41 extension counters.
Source : Rural Planning & Credit Department, RBI.
11
TABLE 1.6 : REGION-WISE DISTRIBUTION OF OFFICES OF STATE AND
DISTRICT CENTRAL CO-OPERATIVE BANKS - 2008 AND 2009 (Concld.)
As on March 31
Metropolitan Total
Region/State/ 2008 2009 2008 2009
Union Territory No. of No. of No. of No. of No. of No. of No. of No. of
centres offices centres offices centres offices centres offices
(13) (14) (15) (16) (17) (18) (19) (20)
Northern Region 9 43 3 37 1977 2107 1985 2440

Haryana .. .. .. .. 362 313 372 621
Himachal Pradesh .. .. .. .. 328 357 352 363
Jammu & Kashmir .. .. .. .. 121 124 122 128
Punjab 6 6 .. .. 792 826 760 839
Rajasthan 2 16 2 16 359 434 363 435
Delhi 1 21 1 21 6 40 6 40
Chandigarh .. .. .. .. 9 13 10 14
North-Eastern Region .. .. .. .. 107 225 120 225

Assam .. .. .. .. .. 68 .. 68
Arunachal Pradesh .. .. .. .. 29 33 29 33
Manipur .. .. .. .. 9 9 10 10
Meghalaya .. .. .. .. 31 41 32 41
Nagaland .. .. .. .. .. 21 .. 21
Tripura .. .. .. .. 31 40 48 41
Mizoram .. .. .. .. 7 13 1 11
Eastern Region 3 15 5 21 915 1125 923 1140

Bihar .. .. .. .. 269 315 272 316
Jharkhand .. .. .. .. 106 112 113 117
Orissa .. .. 2 6 295 351 291 351
Sikkim .. .. .. .. 4 6 4 6
West Bengal 3 15 3 15 235 312 237 320
Andaman & Nicobar Islands .. .. .. .. 6 29 6 30
Central Region 65 65 65 69 2247 2470 2213 2380

Chhatisgarh .. .. .. .. 190 203 190 203
Madhya Pradesh @ .. .. 1 1 506 713 488 626
Uttar Pradesh 65 65 62 62 1343 1343 1340 1340
Uttarakhand .. .. 2 6 208 211 195 211
Western Region 40 210 29 282 4311 4283 4782 4291

Gujarat and Dadra & Nagar Haveli 4 78 5 81 730 942 1018 1126
Maharashtra 36 132 24 201 3568 3275 3751 3099
Goa .. .. .. .. 13 66 13 66
Southern Region 40 176 34 132 1543 2668 1729 2644

Andhra Pradesh 31 31 31 32 551 578 549 578
Karnataka 7 37 2 37 361 627 525 637
Kerala * .. .. .. .. .. 680 .. 691
Tamil Nadu 2 108 1 63 631 762 655 717
Puducherry .. .. .. .. .. 21 .. 21
All India 157 509 107 259 11100 12878 6970 8829
Notes * : Includes 8 administrative offices.

@ : Includes one extension counter and one administrative office.
# : Includes 41 extension counters.
Source : Rural Planning & Credit Department, RBI.
12
TABLE 1.7 : STATE-WISE DISTRIBUTION OF NUMBER OF BRANCHES OF STATE AND DISTRICT
CENTRAL CO-OPERATIVE BANKS - 2007 AND 2008
As on March 31
Region/State/ State-Cooperative Banks District Central Cooperative Banks Total
Union Territory 2007 2008 2007 2008 2007 2008
(13) (14) (15) (16) (17) (18)
Northern Region 275 116 1976 1921 2251 2037

Haryana 13 13 359 586 372 599
Himachal Pradesh 160 - 359 - 519 -
Jammu & Kashmir 18 18 124 131 142 149
Punjab 19 19 742 806 761 825
Rajasthan 13 13 392 398 405 411
Chandigarh 12 13 * * 12 13
Delhi 40 40 * * 40 40
North-Eastern Region 222 212 * * 222 212

Assam 68 68 * * 68 68
Manipur 10 - * * 10 -
Meghalaya 40 41 * * 40 41
Nagaland 21 21 * * 21 21
Tripura 39 39 * * 39 39
Arunachal Pradesh 32 32 * * 32 32
Mizoram 12 11 * * 12 11
Eastern Region 107 95 964 693 1071 788

Bihar 14 - 279 - 293 -
Jharkhand $ - - 114 114 114 114
Orissa 14 14 311 311 325 325
Sikkim 4 6 * * 4 6
West Bengal 46 46 260 268 306 314
Andaman & Nicobar 29 29 * * 29 29
Central Region 59 57 2532 2532 2591 2589

Chhattisgarh 5 5 198 198 203 203
Madhya Pradesh 22 21 834 833 856 854
Uttar Pradesh 30 29 1300 1300 1330 1329
Uttarakhand 2 2 200 201 202 203
Western Region 118 119 4819 4809 4937 4928

Gujarat 1 1 1144 1153 1145 1154
Maharashtra 53 53 3675 3656 3728 3709
Goa 64 65 * * 64 65
Southern Region 142 137 2511 1966 2653 2103

Andhra Pradesh 26 26 569 - 595 26
Karnataka 31 31 589 596 620 627
Kerala 20 14 628 643 648 657
Tamil Nadu 45 46 725 727 770 773
Pondicherry 20 20 * * 20 20
All-India 923 736 12802 11921 13725 12657
Notes * : No District Co-operative Banks in the State

$ : State Co-operative bank not started functioning.
# : Data for the year 2008 is provisional.
Source : National Bank for Agriculture and Rural Development.
13
TABLE 2.1 : BUSINESS OF SCHEDULED BANKS IN INDIA - 2008-09
(Amount in Rs. crore)

As on the last reporting Friday of
Items Mar Apr May Jun Jul Aug Sep
2008 2008 2008 2008 2008 2008 2008
(1) (2) (3) (4) (5) (6) (7)
All Scheduled Commerical Banks
No. of Reporting Banks 170 167 165 166 166 165 165
I. Liabilities to the banking system 98153 87836 91769 92438 100822 103738 106293
(a) Demand and time deposits from banks 46778 42925 41735 41524 39675 39736 42327
(b) Borrowings from banks 32996 28891 26315 25599 30167 33900 29064
(c) Other demand and time liabilities 18379 16020 23719 25315 30980 30102 34902
II. Liabilities to others in India 3601799 3591914 3629426 3651753 3684989 3779760 3848200
(a) Aggregate deposits 3196940 3201372 3237430 3252142 3292748 3386836 3439327
(i) Demand deposits 524310 461549 451609 446679 445342 469247 498899
(ii) Time Deposits 2672630 2739823 2785821 2805463 2847406 2917589 2940428
(b) Borrowings (other than from

RBI, NABARD, EXIM Bank) 106504 101132 104075 105389 101491 106461 112404
III. Assets with the banking system 90876 79828 86581 89080 91242 98047 103185
Money at call and short notice 19925 14109 11668 11663 12700 18034 15602
VI. Cash in Hand & Balances with RBI 275166 272742 282095 301303 321246 332445 341783
V. Investment in India 971714 1018104 1022293 1004766 982097 1015797 984558
(a) Government securities 958661 1005299 1009481 991906 969728 1003990 972265
(b) Other approved securities 13053 12805 12812 12860 12369 11807 12293
VI. Bank Credit 2361913 2325135 2361207 2393238 2407307 2460754 2551026
(a) Loans, cash credit and overdrafts 2261576 2226308 2260885 2293347 2308465 2358105 2444734
(b) Inland bills purchased 12594 12340 12170 11687 11805 12075 13118
(c) Inland bills discounted 40553 40921 41766 43062 43793 43540 43436
(d) Foreign bills purchased 16499 15820 16257 15298 17872 17880 19416
(e) Foreign bills discounted 30691 29746 30129 29844 25372 29154 30322
Source : Form ‘A’ / ‘ B ‘ Return under Section 42(2) of RBI Act , 1934 , Department of Statistics and Information
Management, RBI.
14
TABLE 2.1 : BUSINESS OF SCHEDULED BANKS IN INDIA - 2008-09 (Contd.)

Items Oct Nov Dec Jan Feb Mar
2008 2008 2008 2009 2009 2009
(8) (9) (10) (11) (12) (13)
All Scheduled Commerical Banks
No. of Reporting Banks 164 165 164 165 165 166
I. Liabilities to the banking system 121991 118626 101717 95272 102158 100115
(a) Demand and time deposits from banks 44799 45971 45335 44271 44138 48855
(b) Borrowings from banks 36390 28926 27168 25595 27901 29487
(c) Other demand and time liabilities 40802 43729 29214 25406 30119 21773
II. Liabilities to others in India 3906419 3924582 3955431 4087545 4152350 4255566
(a) Aggregate deposits 3489126 3516497 3548475 3668374 3734739 3834110
(i) Demand deposits 464137 443221 438449 462461 475791 523085
(ii) Time Deposits 3024989 3073276 3110026 3205913 3258948 3311025

RBI, NABARD, EXIM Bank) 113931 111566 111719 114178 115244 113936
III. Assets with the banking system 123329 121312 103705 105897 118622 122572
Money at call and short notice 20234 16405 14072 15599 19998 15038
VI. Cash in Hand & Balances with RBI 233603 234275 231128 218286 215788 258475
V. Investment in India 1055599 1067608 1082764 1168305 1186557 1166410
(a) Government securities 1043116 1056364 1071831 1158338 1176105 1155786
(b) Other approved securities 12483 11244 10933 9967 10452 10624
VI. Bank Credit 2615981 2633181 2643735 2637780 2667928 2775549
(a) Loans, cash credit and overdrafts 2512190 2534842 2548093 2545620 2573670 2675677
(b) Inland bills purchased 13333 12916 12957 12790 11619 11714
(c) Inland bills discounted 42324 38578 38402 38011 40759 43157
(d) Foreign bills purchased 18388 17997 17470 16380 16432 18522
(e) Foreign bills discounted 29746 28848 26813 24979 25448 26479
Management, RBI.
15

2008 2008 2008 2008 2008 2008 2008
(1) (2) (3) (4) (5) (6) (7)
All Scheduled Co-operative Banks
(ii) Time Deposits 88515 91429 92234 92597 93562 95160 94168

IV. Cash in Hand & Balances with RBI 8348 9079 9591 9655 10466 10695 10773
VI. Bank Credit 85732 85384 84412 83445 83673 84936 86605
Management, RBI.
16

2008 2008 2008 2009 2009 2009
(8) (9) (10) (11) (12) (13)
All Scheduled Co-operative Banks
(ii) Time Deposits 95501 96091 96903 100560 103299 106788

IV. Cash in Hand & Balances with RBI 7647 7105 6994 6698 6605 7223
VI. Bank Credit 84407 83125 83438 84281 84619 84005
Management, RBI.
17

2008 2008 2008 2008 2008 2008 2008
(1) (2) (3) (4) (5) (6) (7)
All Scheduled Banks
(ii) Time Deposits 2761144 2831252 2878055 2898060 2940968 3012749 3034596

IV. Cash in Hand & Balances with RBI 283514 281822 291686 310959 331712 343140 352557
VI. Bank Credit 2447646 2410517 2445619 2476683 2490980 2545691 2637631
Management, RBI.
18
TABLE 2.1 : BUSINESS OF SCHEDULED BANKS IN INDIA - 2008-09 (Concld.)

2008 2008 2008 2009 2009 2009
(8) (9) (10) (11) (12) (13)
All Scheduled Banks
(ii) Time Deposits 3120491 3169367 3206929 3306473 3362247 3417813

IV. Cash in Hand & Balances with RBI 241250 241380 238123 224984 222393 265699
VI. Bank Credit 2700386 2716303 2727172 2722061 2752547 2859553
Management, RBI.
19
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09

2008 2008 2008 2008 2008 2008 2008
(1) (2) (3) (4) (5) (6) (7)
State Bank of India & its Associates
(ii) Time Deposits 612682 635231 650215 651919 671931 697908 704358

IV. Cash in hand 3358 3430 3798 4817 3867 4191 4329
VI. Bank Credit 534057 535238 552934 556422 553438 568962 588763
Management, RBI.
20
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Contd.)

2008 2008 2008 2009 2009 2009
(8) (9) (10) (11) (12) (13)
(ii) Time Deposits 745967 755216 776972 806230 830381 823210

IV. Cash in hand 4351 4246 4461 4638 4732 4642
VI. Bank Credit 609848 613450 613467 615123 627851 635579
Management, RBI.
21

2008 2008 2008 2008 2008 2008 2008
(1) (2) (3) (4) (5) (6) (7)
Nationalised Banks $
(ii) Time Deposits 1349716 1379863 1395891 1414287 1430535 1459036 1484652

VI. Cash in hand 6954 7238 7453 7384 7682 7857 8819
VI. Bank Credit 1136093 1098289 1103049 1125211 1145196 1170284 1224241
Note : $ Includes IDBI Ltd.

Management, RBI.
22

2008 2008 2008 2009 2009 2009
(8) (9) (10) (11) (12) (13)
Nationalised Banks $
(ii) Time Deposits 1517892 1542600 1549593 1608169 1636694 1690937

RBI, NABARD,EXIM Bank) 59616 60473 63023 61939 65474 59457
VI. Cash in hand 8187 8148 7904 7916 7958 7498
VI. Bank Credit 1257491 1270946 1291812 1299526 1316877 1383134
Note : $ Includes IDBI Ltd.

Management, RBI.
23

2008 2008 2008 2008 2008 2008 2008
(1) (2) (3) (4) (5) (6) (7)
Regional Rural Banks
(ii) Time Deposits 73390 73862 74845 75789 71953 73086 80139

RBI, NABARD, EXIM Bank) 2 1 2 2 154 - 1
IV. Cash in hand 1104 1033 1124 1101 1049 935 1076
VI. Bank Credit 57417 58090 58162 58738 52410 53630 58081
(d) Foreign bills purchased - - - - - - -
(e) Foreign bills discounted - - - - - - -
Management, RBI.
24

2008 2008 2008 2009 2009 2009
(8) (9) (10) (11) (12) (13)
(ii) Time Deposits 78716 81311 82209 85101 86279 89475

IV. Cash in hand 960 1045 1141 1090 1143 1226
VI. Bank Credit 58646 59948 60840 62363 63401 64011
(d) Foreign bills purchased - - 9 10 10 10
(e) Foreign bills discounted 10 9 - - - -
Management, RBI.
25

2008 2008 2008 2008 2008 2008 2008
(1) (2) (3) (4) (5) (6) (7)
Other Scheduled Commercial Banks
(ii) Time Deposits 517602 533001 544541 543278 547115 557182 546463

IV. Cash in hand 6063 5872 5964 5997 6214 7743 8719
VI. Bank Credit 471479 469407 480016 483312 485950 489621 495614
Management, RBI.
26

2008 2008 2008 2009 2009 2009
(8) (9) (10) (11) (12) (13)
(ii) Time Deposits 550328 557473 559383 566423 565195 568393

IV. Cash in hand 9556 8727 7093 7286 6845 6296
VI. Bank Credit 503138 506737 502047 489244 490091 523493
Management, RBI.
27

2008 2008 2008 2008 2008 2008 2008
(1) (2) (3) (4) (5) (6) (7)
Foreign Banks
a) Aggregate deposits 188010 183016 183199 180071 186423 198363 199850
(ii) Time Deposits 119241 117867 120329 120189 125871 130377 124816

IV. Cash in hand 565 622 629 605 610 503 538
VI. Bank Credit 162868 164111 167046 169555 170312 178257 184327
Management, RBI.
28

2008 2008 2008 2009 2009 2009
(8) (9) (10) (11) (12) (13)
Foreign Banks
(ii) Time Deposits 132086 136675 141869 139991 140399 139011

IV. Cash in hand 626 698 656 679 644 618
VI. Bank Credit 186856 182102 175570 171527 169708 169334
Management, RBI.
29

2008 2008 2008 2008 2008 2008 2008
(1) (2) (3) (4) (5) (6) (7)
Scheduled Urban Co-operative Banks
(ii) Time Deposits 49310 50482 50616 51013 51974 52760 53323

IV. Cash in hand 464 486 498 496 529 536 513
VI. Bank Credit 38846 39019 38995 37882 38416 39113 39604
Management, RBI.
30

2008 2008 2008 2009 2009 2009
(8) (9) (10) (11) (12) (13)
Scheduled Urban Co-operative Banks
(ii) Time Deposits 53780 53952 54515 56081 56807 57822

IV. Cash in hand 600 560 519 533 512 459
VI. Bank Credit 40738 41068 41293 41508 41912 41632
Management, RBI.
31

2008 2008 2008 2008 2008 2008 2008
(1) (2) (3) (4) (5) (6) (7)
Scheduled State Co-operative Banks
(b) Borrowings from banks 1 - - 27 1 1 -
(c) Other demand and time liabilities - - - - - - -
(ii) Time Deposits 39204 40946 41618 41584 41588 42400 40845

RBI, NABARD, EXIM Bank) 200 150 - - - 527 1036
IV. Cash in hand 84 88 86 90 93 92 95
VI. Bank Credit 46886 46364 45417 45561 45256 45822 47002
(c) Inland bills discounted - - - - - - -
(e) Foreign bills discounted - - - - - - -
Management, RBI.
32
TABLE 2.2 : BUSINESS OF SCHEDULED BANKS IN INDIA ACCORDING TO BANK GROUP - 2008-09 (Concld.)

2008 2008 2008 2009 2009 2009
(8) (9) (10) (11) (12) (13)
Scheduled State Co-operative Banks
(b) Borrowings from banks 1 - 2 1 1 3
(c) Other demand and time liabilities - - - - - -
(ii) Time Deposits 41722 42139 42388 44479 46493 48966

RBI, NABARD, EXIM Bank) - - - - - -
IV. Cash in hand 91 90 93 80 83 85
VI. Bank Credit 43668 42055 42144 42772 42707 42371
(c) Inland bills discounted - - - - - -
(e) Foreign bills discounted - - - - - -
Management, RBI.
33
GRAPH - 2
SCHEDULED COMMERCIAL BANKS’ BUSINESS IN INDIA: 2001 TO 2009
(As on the last reporting Friday of Month)
3000000
2500000
2000000
Rs. in crore
1500000
1000000
500000
0
Sep-05
Sep-06
Sep-03
Sep-04
May-05
Jan-06
May-06
Jan-07
Sep-01
Sep-02
Jan-04
May-04
Jan-05
May-02
Jan-03
May-03
Jan-01
May-01
Jan-02
Aggregate Deposits Bank Credit * Investments Cash in hand & balances with RBI
Note : * Include investments in Government and other approved securities only.
34
TABLE 2.3 : STATE-WISE DISTRIBUTION OF DEPOSITS AND CREDIT OF
SCHEDULED COMMERCIAL BANKS IN INDIA - 2008 AND 2009
As on March 31
Deposits Credits
Region / State / No. of Amount Per cent Amount Per cent Amount Per cent Amount Per cent
Union Territory reporting (in Rs. share in (in Rs. share in (in Rs. share in (in Rs. share in
offices cores) total cores) total cores) total cores) total
deposits deposits deposits deposits
2008 2009 2008 2009 2008 2009

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Northern Region 12692 13575 752297 23.3 897754 22.8 501055 20.9 615261 21.5
Chandigarh 239 254 23952 0.7 27857 0.7 22516 0.9 31788 1.1
Delhi 1939 2144 435983 13.5 517150 13.1 286304 12.0 354425 12.4
Haryana 1973 2143 74367 2.3 87204 2.2 45048 1.9 53617 1.9
Himachal Pradesh 890 947 18781 0.6 23607 0.6 8195 0.3 9100 0.3
Jammu & Kashmir 914 956 25148 0.8 29355 0.7 12090 0.5 13587 0.5
Punjab 3043 3229 101046 3.1 120667 3.1 66998 2.8 79064 2.8
Rajasthan 3694 3902 73020 2.3 91914 2.3 59904 2.5 73680 2.6
North Eastern Region 2017 2114 50016 1.5 63247 1.6 19531 0.8 22642 0.8
Arunachal Pradesh 74 77 2807 0.1 3682 0.1 817 0.0 914 0.0
Assam 1317 1369 31666 1.0 39427 1.0 13057 0.5 15115 0.5
Manipur 76 80 1830 0.1 2368 0.1 864 0.0 916 0.0
Meghalaya 188 200 4811 0.1 6157 0.2 1464 0.1 1702 0.1
Mizoram 88 93 1499 0.0 1746 0.0 838 0.0 1025 0.0
Nagaland 80 83 2611 0.1 3473 0.1 867 0.0 1065 0.0
Tripura 194 212 4792 0.1 6394 0.2 1624 0.1 1905 0.1
Eastern Region 12730 13333 356687 11.0 445352 11.3 182670 7.6 217753 7.6
Andaman & Nicobar Islands 37 37 1110 0.0 1394 0.0 348 0.0 449 0.0
Bihar 3676 3826 68597 2.1 86653 2.2 20373 0.9 23624 0.8
Jharkhand 1599 1706 43565 1.3 55513 1.4 15313 0.6 17789 0.6
Orissa 2501 2670 53732 1.7 70626 1.8 30396 1.3 35856 1.3
Sikkim 70 71 2073 0.1 2517 0.1 985 0.0 1066 0.0
West Bengal 4847 5023 187610 5.8 228649 5.8 115255 4.8 138969 4.9
Central Region 14751 15767 362400 11.2 449939 11.4 170989 7.1 201735 7.1
Chhattisgarh 1117 1189 30967 1.0 39437 1.0 16190 0.7 21018 0.7
Madhya Pradesh 3681 3901 81502 2.5 100971 2.6 49177 2.1 57957 2.0
Uttar Pradesh 8983 9595 213594 6.6 264369 6.7 95942 4.0 111185 3.9
Uttarakhand 970 1082 36337 1.1 45162 1.1 9680 0.4 11575 0.4
Western Region 11365 12118 1005403 31.1 1218766 31.0 893203 37.3 1037797 36.3
Dadra & Nagar Haveli 21 24 627 0.0 771 0.0 160 0.0 160 0.0
Daman & Diu 18 18 1097 0.0 1281 0.0 163 0.0 242 0.0
Goa 375 399 18925 0.6 23910 0.6 5525 0.2 6343 0.2
Gujarat 4039 4283 152691 4.7 187906 4.8 99515 4.2 118684 4.2
Maharashtra 6912 7394 832063 25.8 1004898 25.5 787840 32.9 912368 31.9
Southern Region 20771 22149 702016 21.7 862279 21.9 627118 26.2 762338 26.7
Andhra Pradesh 5990 6443 177567 5.5 217453 5.5 162595 6.8 212178 7.4
Karnataka 5390 5716 210349 6.5 256709 6.5 164110 6.9 196719 6.9
Kerala 3836 4016 109103 3.4 135173 3.4 71226 3.0 81612 2.9
Lakshadweep 10 11 326 0.0 480 0.0 25 0.0 26 0.0
Puducherry 104 122 4722 0.1 5472 0.1 2332 0.1 2840 0.1
Tamil Nadu 5441 5841 199949 6.2 246992 6.3 226830 9.5 268963 9.4
All India 74326 79056 3228819 100.0 3937337 100.0 2394566 100.0 2857526 100.0
Notes : Population per office, per capita deposits and per capita credit figures are worked out on the basis of
the mid-year population figures supplied by the Office of the Registrar General, Government of India.
Source : Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks, March 2008 & 2009, RBI.
35
TABLE 2.3 : STATE-WISE DISTRIBUTION OF DEPOSITS AND CREDIT OF
SCHEDULED COMMERCIAL BANKS IN INDIA - 2008 AND 2009 (Concld.)
As on March 31
Deposits Credits
Region / State / Population Per Deposit Per Credit
Union Territory per capita per capita per
office deposit office credit office
in Rs.) (in Rs. lakh) (in Rs.) (Rs. lakh)
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Northern Region 11724 11140 50557 59363 5927 6613 33673 40684 3948 4532
Chandigarh 4569 4378 219341 250513 10022 10967 206190 285863 9421 12515
Delhi 9406 8726 239039 276433 22485 24121 156974 189451 14766 16531
Haryana 11387 10642 33101 38237 3769 4069 20051 23510 2283 2502
Himachal Pradesh 8745 8304 24131 30019 2110 2493 10529 11572 921 961
Jammu & Kashmir 12472 12026 22062 25533 2751 3071 10606 11818 1323 1421
Punjab 8505 8105 39044 46107 3321 3737 25888 30211 2202 2449
Rajasthan 16768 16164 11789 14573 1977 2356 9671 11682 1622 1888
North Eastern Region 22169 21470 11186 13935 2480 2992 4368 4989 968 1071
Arunachal Pradesh 19757 19325 19200 24745 3793 4782 5588 6142 1104 1187
Assam 22272 21720 10796 13259 2404 2880 4451 5083 991 1104
Manipur 40447 39088 5953 7573 2408 2960 2811 2929 1137 1145
Meghalaya 15814 15120 16182 20360 2559 3079 4924 5628 779 851
Mizoram 13284 12796 12823 14672 1703 1877 7169 8613 952 1102
Nagaland 26050 25590 12529 16351 3264 4184 4160 5014 1084 1283
Tripura 23814 22165 10372 13607 2470 3016 3515 4054 837 899
Eastern Region 19044 18445 14713 18109 2802 3340 7535 8854 1435 1633
Andaman & Nicobar Islands 12757 13000 23517 28981 3000 3768 7373 9335 941 1214
Bihar 31301 30611 5962 7399 1866 2265 1771 2017 554 617
Jharkhand .. .. .. .. 2725 3254 .. .. 958 1043
Orissa 15413 14560 13939 18167 2148 2645 7885 9223 1215 1343
Sikkim 9771 9789 30307 36216 2961 3545 14401 15338 1407 1501
West Bengal 18087 17671 21400 25761 3871 4552 13147 15657 2378 2767
Central Region 19961 19068 12308 14966 2457 2854 5807 6710 1159 1279
Chhattisgarh .. .. .. .. 2772 3317 .. .. 1449 1768
Madhya Pradesh 24924 23930 8884 10816 2214 2588 5360 6209 1336 1486
Uttar Pradesh 22565 21605 10537 12753 2378 2755 4733 5364 1068 1159
Uttarakhand .. .. .. .. 3746 4174 .. .. 998 1070
Western Region 13711 13007 64520 77324 8846 10057 57319 65843 7859 8564
Dadra & Nagar Haveli 11095 9875 26910 32532 2986 3213 6867 6751 762 667
Daman & Diu 9500 9667 64152 73621 6094 7117 9532 13908 906 1344
Goa 5168 4937 97652 121371 5047 5992 28509 32198 1473 1590
Gujarat 13353 12757 28312 34391 3780 4387 18452 21722 2464 2771
Maharashtra 14403 13605 83577 99891 12038 13591 79135 90694 11398 12339
Southern Region 11668 11048 28967 35238 3380 3893 25876 31154 3019 3442
Andhra Pradesh 13752 12914 21556 26134 2964 3375 19739 25500 2714 3293
Karnataka 10691 10201 36505 44027 3903 4491 28480 33738 3045 3442
Kerala 9077 8744 31333 38495 2844 3366 20455 23242 1857 2032
Lakshadweep 8700 8000 37471 54545 3260 4364 2874 2955 250 236
Puducherry 13077 11344 34721 39538 4540 4485 17147 20520 2242 2328
Tamil Nadu 12146 11402 30255 37085 3675 4229 34322 40384 4169 4605
All India 15184 14490 28610 34372 4344 4980 21218 24945 3222 3615
Notes : Population per office, per capita deposits and per capita credit figures are worked out on the basis of
the mid-year population figures supplied by the Office of the Registrar General, Government of India.
36
TABLE 2.4 : STATE AND BANK GROUP-WISE DISTRIBUTION OF DEPOSITS AND CREDIT
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009
As on March 31
Region / State / State Bank of India and its Associates Nationalised Banks
Union Territory 2008 2009 2008 2009
Deposits Credit Deposits Credit Deposits Credit Deposits Credit
(1) (2) (3) (4) (5) (6) (7) (8)
Northern Region 158306 111457 201171 140036 385158 271760 468871 332858
(21.7) (22.2) (21.2) (21.2) (24.6) (23.5) (24.1) (23.1)
Haryana 13654 12971 18242 15015 38802 24584 44430 29575
Himachal Pradesh 6792 3186 8574 3766 10427 4408 12792 4735
Jammu & Kashmir 4256 1371 5047 1420 3745 1737 4321 1817
Punjab 25793 21882 32196 26410 61926 38423 73092 45319
Rajasthan 24384 18590 32821 20865 29729 28721 36400 37948
Chandigarh 6001 5736 7711 9600 11821 13159 13700 16368
Delhi 77426 47721 96580 62960 228708 160728 284136 197096
North Eastern Region 21850 9335 28574 11078 21065 7325 26092 8001
(3.0) (1.7) (3.0) (1.7) (1.3) (0.6) (1.3) (0.6)
Arunachal Pradesh 2029 647 2738 718 652 147 750 171
Assam 12560 5577 16244 6667 14637 5495 18229 6039
Manipur 905 503 1087 558 870 328 1145 327
Meghalaya 2453 875 3335 1049 1705 468 2041 509
Mizoram 932 607 1020 740 284 86 309 94
Nagaland 1370 598 1976 762 941 231 1099 253
Tripura 1601 528 2174 584 1976 570 2519 608
Eastern Region 98986 53581 133844 64268 191176 95617 231681 115838
(13.6) (9.8) (14.1) (9.7) (12.2) (8.3) (11.9) (8.0)
Bihar 23228 6307 30029 7062 35202 10176 43501 11889
Jharkhand 16749 5801 23291 6833 22133 7631 26726 8861
Orissa 19513 12563 26773 14731 23960 12890 30042 15119
Sikkim 928 462 1050 494 890 453 1152 502
West Bengal 38046 28261 52005 34894 108480 64317 129676 79283
Andaman & Nicobar 522 187 696 254 511 150 584 184
Central Region 105639 53590 139947 61043 201023 92129 243241 111090
(14.5) (9.8) (14.7) (9.2) (12.8) (8.0) (12.5) (7.7)
Chhattisgarh 11301 7263 14595 10916 14838 6685 18418 7519
Madhya Pradesh 31841 20990 40937 24340 38354 21055 46602 25322
Uttar Pradesh 43471 22277 58810 22098 134099 59119 162223 72144
Uttarakhand 19026 3060 25605 3689 13732 5270 15998 6105
Western Region 163614 150614 214202 183360 454685 409960 596715 520077
(22.5) (27.6) (22.5) (27.8) (29.1) (35.5) (30.6) (36.1)
Goa 3952 1230 5141 1364 11973 3513 15092 4025
Gujarat 35144 27402 49198 32089 90224 52385 109129 65046
Maharashtra 123785 121901 159001 149751 351828 353842 471677 450788
Dadra & Nagar Haveli 51 18 68 29 385 126 499 113
Daman & Diu 682 63 794 127 275 94 318 105
Southern Region 179978 167072 233057 200288 311420 279602 381207 354549
(24.7) (30.6) (24.5) (30.3) (19.9) (24.2) (19.6) (24.6)
Andhra Pradesh 57431 52305 74175 66321 78677 75427 95067 101930
Karnataka 49040 38968 62930 47646 93932 78930 117065 94183
Kerala 35697 24853 46240 27937 33063 21486 38676 24847
Tamil Nadu 36660 50380 48249 57727 102837 102609 126926 132154
Lakshadweep 87 3 121 2 239 22 359 23
Puducherry 1063 563 1342 655 2672 1128 3114 1412
All India 728373 545649 950795 660073 1564527 1156393 1947807 1442413
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
Note : Figures in bracket indicate per cent share in all India total.
37
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
As on March 31
Region / State / Foreign Banks Regional Rural Banks
(9) (10) (11) (12) (13) (14) (15) (16)
Northern Region 32768 38797 41270 44941 13326 8056 16301 9677
(18.0) (23.8) (20.2) (26.6) (13.7) (13.8) (13.7) (14.4)
Haryana 2298 1410 2988 1431 3430 2067 4027 2747
Himachal Pradesh - - - - 967 392 1119 463
Jammu & Kashmir - - - - 1293 432 1434 483
Punjab 481 114 555 337 1629 1028 2060 1281
Rajasthan 347 438 412 787 6007 4137 7661 4703
Chandigarh 476 165 633 287 - - - -
Delhi 29166 36670 36682 42099 - - - -
(0.1) (0.0) (0.1) (0.0) (4.4) (3.6) (4.7) (3.7)
Arunachal Pradesh - - - - 86 22 122 23
Assam 186 2 169 13 2496 1313 3040 1468
Manipur - - - - 55 33 72 30
Meghalaya - - - - 316 97 404 119
Mizoram - - - - 223 142 317 171
Nagaland - - - - 17 8 24 8
Tripura - - - - 1077 516 1555 642
Eastern Region 8542 6233 9006 5751 22063 10177 27548 11501
(4.7) (3.8) (4.4) (3.4) (22.7) (17.4) (23.2) (17.1)
Bihar 73 3 131 - 8710 3661 11079 4352
Jharkhand - - - - 2281 688 2780 721
Orissa 79 2 72 1 5164 3200 6647 3491
Sikkim - - - - - - - -
West Bengal 8390 6228 8803 5750 5908 2628 7042 2937
Andaman & Nicobar Islands - - - - - - - -
Central Region 1655 401 2194 528 31580 15097 37845 17493
(0.9) (0.2) (1.1) (0.3) (32.4) (25.8) (31.9) (26.1)
Chhattisgarh 15 7 24 6 2626 831 3234 971
Madhya Pradesh 208 146 220 221 6655 3554 8029 4033
Uttar Pradesh 1432 248 1950 301 21304 10248 25392 11840
Uttarakhand - - - - 995 464 1190 649
Western Region 110260 72862 115605 67867 5696 3044 6797 3378
(60.7) (44.6) (56.5) (40.2) (5.9) (5.2) (5.7) (5.0)
Goa - - - - - - - -
Gujarat 1833 2031 2273 2107 2769 1525 3506 1722
Maharashtra 108427 70831 113332 65760 2927 1519 3291 1656
Dadra & Nagar Haveli - - - - - - - -
Daman & Diu - - - - - - - -
Southern Region 28186 44906 36469 49876 20407 20072 24670 22604
(15.5) (27.5) (17.8) (29.5) (21.0) (34.3) (20.8) (33.7)
Andhra Pradesh 3323 3545 5181 4751 8294 7925 9572 8891
Karnataka 15203 14927 17327 17464 7497 7082 9337 7916
Kerala 628 273 860 468 3009 3410 3670 3691
Tamil Nadu 9010 26152 13080 27169 1607 1655 2085 2102
Lakshadweep - - - - - - - -
Puducherry 22 9 21 24 - - 6 4
All India 181597 163201 204713 168976 97342 58577 118695 67114
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
38
As on March 31
Region / State / Other Scheduled Commercial Banks All Scheduled Commercial Banks
(17) (18) (19) (20) (21) (22) (23) (24)
Northern Region 162737 70987 170142 87749 752295 501057 897754 615261
(24.8) (15.1) (23.8) (16.9) (23.3) (20.9) (22.8) (21.5)
Haryana 16182 4016 17517 4850 74366 45048 87204 53617
Jammu & Kashmir 15853 8551 18553 9867 25147 12091 29355 13587
Punjab 11217 5551 12764 5717 101046 66998 120667 79064
Rajasthan 12553 8018 14619 9376 73020 59904 91914 73680
Chandigarh 5654 3456 5814 5534 23952 22516 27857 31788
Delhi 100683 41186 99753 52270 435983 286305 517150 354425
(0.4) (0.2) (0.4) (0.2) (1.5) (0.8) (1.6) (0.8)
Arunachal Pradesh 39 - 72 2 2806 816 3682 914
Assam 1786 671 1745 928 31665 13058 39427 15115
Manipur - - 64 1 1830 864 2368 916
Meghalaya 337 23 377 25 4811 1463 6157 1702
Mizoram 59 2 99 19 1498 837 1746 1025
Nagaland 282 30 375 41 2610 867 3473 1065
Tripura 138 10 146 72 4792 1624 6394 1905
Eastern Region 35917 17061 43272 20394 356684 182669 445352 217753
(5.5) (3.6) (6.0) (3.9) (11.0) (7.6) (11.3) (7.6)
Bihar 1384 225 1911 321 68597 20372 86653 23624
Jharkhand 2402 1193 2716 1374 43565 15313 55513 17789
Orissa 5014 1741 7093 2513 53730 30396 70626 35856
Sikkim 255 70 316 69 2074 985 2517 1066
West Bengal 26785 13821 31123 16106 187609 115255 228649 138969
Andaman & Nicobar Islands 77 11 113 11 1110 348 1394 449
Central Region 22503 9770 26713 11581 362400 170987 449939 201735
(3.4) (2.1) (3.7) (2.2) (11.2) (7.1) (11.4) (7.1)
Chhattisgarh 2188 1404 3167 1606 30968 16190 39437 21018
Madhya Pradesh 4444 3432 5183 4041 81502 49177 100971 57957
Uttar Pradesh 13288 4049 15994 4802 213594 95941 264369 111185
Uttaranchal 2583 885 2369 1132 36336 9679 45162 11575
Western Region 271147 256724 285445 263116 1005402 893204 1218766 1037797
(41.3) (54.5) (39.9) (50.7) (31.1) (37.3) (31.0) (36.3)
Goa 3000 782 3676 955 18925 5525 23910 6343
Gujarat 22720 16173 23799 17721 152690 99516 187906 118684
Maharashtra 245096 239747 257597 244411 832063 787840 1004898 912368
Dadra & Nagar Haveli 191 17 204 18 627 161 771 160
Daman & Diu 140 5 169 11 1097 162 1281 242
Southern Region 162026 115467 186876 135017 702017 627119 862279 762338
(24.7) (24.5) (26.1) (26.0) (21.7) (26.2) (21.9) (26.7)
Andhra Pradesh 29843 23394 33458 30284 177568 162596 217453 212178
Karnataka 44677 24204 50050 29509 210349 164111 256709 196719
Kerala 36707 21204 45727 24669 109104 71226 135173 81612
Tamil Nadu 49834 46033 56653 49811 199948 226829 246992 268963
Lakshadweep - - - - 326 25 480 26
Puducherry 965 632 988 744 4722 2332 5472 2840
All India 656971 470745 715326 518945 3228810 2394565 3937337 2857526
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
39
MAP - 2
STATE & UNION TERRITORY - WISE CREDIT - DEPOSIT RATIO OF SCHEDULED
COMMERCIAL BANKS - 2009
(As on March 31)
Jammu & Kashmir

46.3 (48.1)
Himachal Chandigarh 114.1 (94.0)

Pradesh
38.5(43.6)
Punjab
65.5(66.3)
Uttarakhand
Haryana 25.6(26.6)
61.5
(60.6)
Delhi Sikkim
68.5 42.4(47.5)
(65.7)
Uttara Pradesh
42.1(44.9) Assam
Bihar 38.3(41.2)
27.3(29.7)
Madhya Pradesh
West
57.4(60.3)
Bengal
60.8(61.4)
Orissa
50.8(56.6)
Figures in brackets indicate

Credit - Deposit ratio for 2008
All figures are in per cent.
40
TABLE 2.5 : POPULATION GROUP-WISE DISTRIBUTION OF DEPOSITS AND CREDIT
OF SCHEDULED COMMERCIAL BANKS - 2005 TO 2009

Union Territory March 2005 March 2006 March 2007 March 2008 March 2009
Deposits Credit Deposits Credit Deposits Credit Deposits Credit Deposits Credit
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Rural 213536 106497 226534 127445 258128 154785 303025 183097 365491 208694
(12.2) (9.2) (10.8) (8.4) (9.9) (7.9) (9.4) (7.6) (9.3) (7.3)
Semi-Urban 296303 130596 302245 151076 356827 189783 429377 230629 531944 266736
(16.9) (11.3) (14.4) (10.0) (13.7) (9.7) (13.3) (9.6) (13.5) (9.3)
Urban 376133 189593 431564 248141 531269 316166 657624 383576 824463 461870
(21.5) (16.4) (20.6) (16.4) (20.4) (16.2) (20.4) (16.0) (20.9) (16.2)
Metropolitan 867201 731121 1132698 990835 1452599 1288833 1838792 1597263 2215437 1920225
(49.5) (63.1) (54.1) (65.3) (55.9) (66.1) (56.9) (66.7) (56.3) (67.2)
All India 1753173 1157807 2093041 1517497 2598823 1949567 3228818 2394565 3937335 2857525
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
41
GRAPH - 3
POPULATION GROUP-WISE DISTRIBUTION OF DEPOSITS AND CREDIT OF
SCHEDULED COMMERCIAL BANKS - 2008 AND 2009
(As on the last Friday of March)
Deposits
2215437
1838792
2500000
Rural
2000000
Semi-Urban
Rs. crore
824463
1500000 Urban
657624
531944
Metropolitan
429377
365491
303025
1000000
500000
0
2008 2009
Credit
1920225
1597263
2000000
1800000
1600000
1400000 Rural
Rs. crore
1200000 Semi-Urban
461870
1000000
383576
266736
Urban
230629
800000
183097
208694
600000 Metropolitan
400000
200000
0
2008 2009
42
TABLE 2.6 : BANK GROUP-WISE SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009
(in per cent)

As on March 31
State Bank Other All
Ratios of India Nationalised Foreign Scheduled Scheduled
& its Banks $ Banks Commercial Commercial
Associates Banks Banks
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1. Cash-Deposit ratio 9.65 7.36 9.22 7.13 11.51 7.31 10.56 7.81 9.73 7.32
2. Credit-Deposit ratio 76.72 73.44 71.65 72.21 84.29 77.27 76.80 78.13 74.61 73.86
3. Investment-Deposit ratio 34.09 35.51 31.91 31.11 51.74 60.89 41.27 41.62 35.46 35.67
4. (Credit+Investment)-Deposit ratio 110.81 108.96 103.55 103.32 136.03138.16118.07 119.75110.07109.53
5. Ratio of deposits to total liabilities 76.55 78.66 83.54 84.69 52.50 47.88 71.80 71.67 76.74 77.52
6. Ratio of term deposits to total deposits 58.03 61.45 67.01 70.15 55.30 58.27 67.17 67.26 64.27 66.85
7. Ratio of priority sector advances to
total advances 30.82 28.69 33.16 30.85 29.58 31.20 29.27 30.76 31.55 30.32
8. Ratio of term loan to total advances 55.19 52.16 55.62 55.96 48.90 46.87 69.66 69.40 58.02 57.10
9. Ratio of secured advances to total advances 76.74 80.73 79.96 80.52 45.56 49.88 79.22 78.89 76.80 78.57
10. Ratio of investments in non-approved
securities to total investments 19.78 15.41 17.53 16.49 16.20 23.28 30.30 29.08 20.94 19.50
11. Ratio of interest income to total assets 7.75 7.79 7.83 8.19 7.65 7.48 8.42 8.65 7.92 8.13
12. Ratio of net interest margin to total assets 2.49 2.39 2.28 2.34 4.33 4.32 2.67 2.86 2.58 2.63
13. Ratio of non-interest income to total assets 1.30 1.40 1.15 1.16 3.32 3.67 2.02 1.82 1.55 1.57
14. Ratio of intermediation cost to total assets 1.87 1.75 1.63 1.56 3.24 3.03 2.40 2.21 1.99 1.87
15. Ratio of wage bills to intermediation cost 60.58 61.39 61.90 62.44 40.38 39.71 35.10 39.15 51.70 53.39
16. Ratio of wage bills to total expense 15.89 15.06 14.05 13.14 19.95 19.45 10.35 10.83 14.01 13.52
17. Ratio of wage bills to total income 12.52 11.71 11.22 10.42 11.94 10.80 8.08 8.28 10.83 10.28
18. Ratio of burden to total assets 0.57 0.35 0.48 0.40 -0.07 -0.64 0.39 0.39 0.43 0.30
19. Ratio of burden to interest income 7.35 4.50 6.09 4.88 -0.96 -8.55 4.59 4.50 5.48 3.66
20. Ratio of operating profits to total assets 1.92 2.04 1.80 1.94 4.40 4.95 2.28 2.47 2.15 2.33
21. Return on assets 0.97 1.02 1.01 1.03 2.09 1.98 1.13 1.13 1.12 1.13
22. Return on equity 17.21 17.74 17.09 18.07 16.05 13.75 13.43 11.36 15.98 15.44
23. Cost of deposits 5.91 6.17 5.99 6.31 4.20 4.58 6.47 6.60 5.97 6.24
24. Cost of borrowings 5.72 4.57 2.65 3.63 4.75 4.27 3.55 3.91 3.97 4.04
25. Cost of funds 5.90 6.07 5.82 6.18 4.33 4.51 6.13 6.29 5.80 6.06
26. Return on advances 9.55 9.89 9.51 10.19 10.93 12.60 11.01 11.41 9.92 10.50
27. Return on investments 7.11 6.77 7.32 7.06 8.24 7.63 7.22 6.93 7.33 7.01
28. Return on advances adjusted to cost of funds 3.65 3.82 3.69 4.01 6.60 8.10 4.88 5.12 4.12 4.44
29. Return on investments adjusted to cost of funds 1.22 0.70 1.50 0.88 3.91 3.12 1.09 0.64 1.52 0.95
Note : $ Includes IDBI Bank Ltd.

Source : Annual accounts of banks of respective years.
43
TABLE 2.7 : BANK GROUP-WISE MATURITY PROFILE OF SELECTED ITEMS OF
LIABILITIES AND ASSETS : 2008 AND 2009
As on March 31
Maturity-wise of India Nationalised Foreign Scheduled Scheduled
liabilities \ assets & its Banks $ Banks Commercial Commercial
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Deposits 773249 1006258 1675703 1992569 191093 214006 674954 736228 3315001 3949062
a) 1 - 14 days 77951 93875 114670 132409 44959 51385 50058 53188 287640 330858
b) 15 - 28 days 11827 18690 53338 52688 17361 14792 27144 23222 109672 109394
c) 29 days to 3 months 47435 56585 154105 153302 32149 28621 88290 89802 321981 328312
d) Over 3 months to 6 months 51628 91336 158868 250997 14692 15559 85744 93386 310932 451279
e) Over 6 months to one year 85093 127842 324660 392889 14456 26244 123945 121609 548156 668586
f) Over one year to 3 years 180325 263457 468675 553878 63689 49363 233535 267785 946226 1134485
g) Over 3 years to 5 years 122578 123524 129421 127239 744 20641 25681 36428 278424 307834
h) Over 5 years 196409 230945 271963 329162 3041 7397 40553 50805 511967 618312
Borrowings 63001 61576 83091 50494 58273 70096 88655 95517 293021 277684
a) 1 - 14 days 13915 14397 18426 12495 28453 38465 6985 6820 67781 72179
b) 15 - 28 days 7974 5662 3520 1691 3166 4294 1545 2919 16206 14569
c) 29 days to 3 months 17130 11367 6717 6093 10365 8139 7411 10059 41625 35661
h) Over 5 years 746 359 10780 1587 202 3 3482 5511 15212 7462
Loans and Advances 592182 738591 1196935 1376455 161147 165404 518493 575403 2468758 2855855
a) 1 - 14 days 90179 103852 104211 123353 20756 25502 30531 30111 245678 282820
b) 15 - 28 days 15537 11138 37654 41008 11211 11075 9225 12573 73628 75795
c) 29 days to 3 months 24595 47811 120102 148493 22170 23808 37616 43149 204485 263263
h) Over 5 years 110821 116282 203176 253551 15120 16482 94591 95526 423709 481842

44
TABLE 2.7 : BANK GROUP-WISE MATURITY PROFILE OF SELECTED ITEMS OF
LIABILITIES AND ASSETS : 2008 AND 2009 (Concld.)
As on March 31
Maturity-wise of India Nationalised Foreign Scheduled Scheduled
liabilities \ assets & its Banks $ Banks Commercial Commercial
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Investments(at book value) 263822 357529 534825 647447 99065 130599 278230 306490 1175944 1442066
a) 1 - 14 days 3867 23427 16554 32846 31432 40557 39805 45785 91659 142616
b) 15 - 28 days 2468 5581 12885 10940 3584 7486 16612 13661 35550 37670
c) 29 days to 3 months 8687 27117 27318 27338 17166 17173 27405 30490 80578 102120
h) Over 5 years 129227 160813 255760 309507 7688 8086 66389 86608 459065 565016
Foreign Currency Assets 86355 136539 112839 140040 60213 108159 89940 114359 349349 499099
a) 1 - 14 days 32480 30910 24095 38852 28579 32325 12246 16789 97401 118878
b) 15 - 28 days 10173 7817 9418 7796 2642 3414 2167 3252 24401 22280
c) 29 days to 3 months 6019 30265 25612 27623 8282 12655 10352 9822 50267 80366
h) Over 5 years 11397 11579 9121 10781 557 31973 25167 25852 46245 80186
Foreign Currency Liabilities 85628 115621 111104 133460 71537 114979 98565 111124 366835 475186
a) 1 - 14 days 18309 32302 22557 30831 26933 20699 8359 10508 76158 94341
b) 15 - 28 days 8986 9426 7945 7726 2862 4047 2557 3623 22352 24824
c) 29 days to 3 months 18901 15664 22747 25547 12954 10742 11780 15742 66383 67696
h) Over 5 years 1301 1677 6692 9101 4643 39646 9088 14284 21725 64710

45
TABLE 3.1 : BANK GROUP-WISE LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS IN INDIA : 2008 AND 2009
As on March 31
Items of India Nationalised Foreign Scheduled Scheduled
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Number of reporting banks 8 7 20 20 28 31 23 22 79 80
Liabilities
1. Capital 1566 1080 11499 12456 22286 25911 4613 4590 39964 44037
2. Reserves and Surplus 60140 71342 101581 123421 27046 34026 86757 95430 275524 324219
2.1. Statutory Reserves 30535 36572 25149 30994 7880 9805 10940 13739 74505 91110
2.2. Capital Reserves 643 1693 14680 22500 2107 2349 2718 4206 20148 30748
2.3. Share Premium 20452 21011 14853 14854 - - 52657 51845 87962 87710
2.4. Investment Fluctuations Reserves 62 - 186 445 155 316 252 281 655 1042
2.5. Revenue and other Reserves 8446 12064 44420 51931 14177 17121 12253 15256 79295 96373
2.6. Balance of Profit 2 2 2293 2697 2727 4435 7937 10103 12959 17237
3. Deposits (3.1+3.2+3.3) 773874 1007043 1679993 2105705 191161 214077 675033 736379 3320062 4063204
Type-wise
3.1. Demand deposits 120195 132374 163127 178862 59200 60551 99534 100793 442056 472579
(i) From banks 15390 13295 5923 6123 1582 1494 2772 3392 25668 24303
(ii) From others 104805 119079 157204 172739 57618 59057 96762 97401 416388 448275
3.2. Savings bank deposits 204635 255855 391099 449627 26254 28789122064140269 744052 874540
3.3. Term deposits 449044 618814 1125767 1477216 105707 124737 453435 495317 2133954 2716085
(i) From banks 9198 14539 52623 80566 8035 11910 32253 39623 102110 146639
(ii) From others 439846 604275 1073144 1396650 97672 112827 421182 455694 2031844 2569446
Location-wise
3A. Deposits of branches in India 751147 975001 1605527 2005576 191161 214077 666591 723400 3214426 3918053
3B. Deposits of branches outside India 22728 32042 74466 100129 - - 8442 12979 105636 145150
Total ( 3A. + 3B. ) 773874 1007043 1679993 2105705 191161 214077 675033 736379 3320062 4063204

46
SCHEDULED COMMERCIAL BANKS IN INDIA : 2008 AND 2009 (Contd.)
As on March 31
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
4. Borrowings 64591 62240 91766 96064 58315 70127 87957 94753 302629 323185
4.1. Borrowings in India 22121 10754 66178 69947 29573 39662 21549 25349 139419 145710
(i) From Reserve Bank of India 2027 700 3771 7986 9652 1606 1715 1490 17165 11782
(ii) From other banks 10345 1220 4220 1619 11310 10627 5947 4965 31820 18430
(iii) From other institutions and agencies 9749 8834 58187 60342 8611 27429 13887 18894 90433 115498
4.2. Borrowings outside India 42470 51486 25588 26118 28742 30465 66409 69405 163210 177475
Secured borrowings included in 4 5774 6732 10006 9344 13872 22092 772 3109 30424 41277
5. Other liabilities and provisions 110787 138508 126126 148858 65291 103009 85783 96310 387987 486686
5.1. Bill payable 24833 24086 18772 15481 3867 2883 12045 9542 59517 51991
5.2. Inter-office adjustment 149 5847 2540 4417 30 6 1203 697 3922 10967
5.3. Interest accured 8003 10021 8211 8932 1882 2559 6053 8077 24149 29589
5.4. Subordinate debt. 4542 4267 42391 55322 4768 8123 29741 40609 81441 108320
5.5. Deferred tax liabilities - - 264 452 73 10 175 113 512 574
5.6. Others (including provisions) 73260 94288 53949 64254 54671 89429 36566 37274 218446 285245
Total Liabilities 1010959 1280212 2010965 2486505 364099 447149 940144 1027465 4326166 5241331
6. Cash and balances with RBI 74714 74107 154965 150033 22011 15646 71282 57477 322972 297264
6.1. Cash in hand 3716 5443 8847 9138 567 587 7198 7966 20328 23133
6.2. Balances with RBI 70998 68665 146118 140895 21444 15058 64084 49512 302643 274131
(i) In current account 43584 68662 145899 139211 21442 15055 63984 49412 274909 272341
(ii) In other account 27414 3 219 1684 2 3 100 100 27735 1790
7. Balances with banks and money at 19069 53522 44517 77781 19935 33251 25588 34026 109109 198582
call and short notice (7.1+7.2)
7.1. In India (7.1.1+7.2.2) 12390 28491 24673 28975 8003 6534 14705 21450 59773 85452
7.1.1. Balances with banks 5611 14579 15920 19350 7015 6072 12390 16147 40937 56149
(ii) In other deposit accounts 4002 13301 9321 13502 5576 4946 8820 13618 27719 45368
7.1.2. Money at call and short notice 6779 13912 8753 9625 988 462 2315 5303 18836 29303
(i) with banks 6779 13912 7563 7396 768 347 1777 3056 16888 24712
(ii) with other institutions - - 1190 2229 220 115 538 2247 1947 4591
7.2. Outside India (7.2.1+7.2.2) 6680 25031 19844 48806 11931 26717 10883 12576 49337 113130
7.2.1 Balances with Banks 3198 15979 14629 35941 7101 15330 6398 7772 31326 75023
(ii) In other deposit accounts 870 1448 10835 25121 5323 11141 3750 3612 20778 41322
7.2.2 Money at call and short notice 3482 9052 5215 12865 4830 11387 4485 4804 18011 38107

47
SCHEDULED COMMERCIAL BANKS IN INDIA : 2008 AND 2009 (Contd.)
As on March 31
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
8. Investments 263823 357624 536018 655042 98910 130354 278578 306455 1177330 1449475
8.1 Investment in India in 258653 351140 523087 641526 98910 130353 271618 296073 1152267 1419093
(i) Government securities 208370 300264 435060 541332 82851 99997 193885 217121 920166 1158715
(ii) Other approved securities 3260 2252 7014 5678 33 6 281 217 10588 8154
(iii) Shares 5162 5117 10847 9713 104 98 4221 2846 20334 17774
(iv) Debentures and Bonds 19534 17487 39477 41346 2561 2959 23869 24419 85441 86211
(v) Subsidiaries and/or joint ventures 3808 3650 2788 3177 - - 5421 7087 12017 13913
(vi) Others 18519 22370 27901 40280 13361 27293 43941 44383 103721 134326
8.2 Investment outside India in 5171 6483 12931 13516 - - 6961 10382 25062 30381
(i) Government securities 394 743 5024 4892 - - 140 95 5558 5730
(ii) Subsidiaries and/or joint ventures 614 1255 608 847 - - 3886 6606 5107 8708
(iii) Others 4163 4485 7299 7777 - - 2935 3681 14397 15943
9. Advances 593722 739606 1203678 1520549 161133 165415 518402 575336 2476936 3000906
Type-wise
9A. (i) Bills purchased and discounted 44280 53465 63503 74058 15763 15160 27441 31227 150988 173911
(ii) Cash credits,overdrafts & l

oans repayable on demand 221771 300331 470672 595667 66578 72723 129861 144835 888882 1113556
(iii) Term loans 327672 385809 669503 850825 78791 77531 361100 399274 1437066 1713439
Security-wise
9B. (i) Secured by tangible assets 430102 513218 899288 1136947 66932 77454 395941 443080 1792263 2170699
(ii) Covered by Bank/Government

Guarantees 25535 83871 63215 87365 6487 5053 14713 10795 109950 187084
(iii) Unsecured 138086 142517 241175 296237 87714 82908 107749 121461 574723 643123
Sector-wise & Location-wise
9.C.I. Advances in India 537583 653819 1140236 1423327 161133 165414 465276 510045 2304227 2752606
(i) Priority sectors 182958 212215 399129 469116 47668 51607151721176958 781476 909896
(ii) Public sectors 36535 48648 132519 173851 497 517 10127 9230 179678 232246
(iii) Banks 204 350 9661 6218 922 1013 569 648 11356 8230
(iv) Others 317886 392606 598927 774142 112046 112277 302859 323209 1331717 1602234

48
SCHEDULED COMMERCIAL BANKS IN INDIA : 2008 AND 2009 (Concld.)
As on March 31
2008 2009 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
9.C.II. Advances outside India 56140 85787 63443 97222 - - 53128 65292 172709 248300
(i) Due from banks 2135 4412 9897 16392 - - 4123 1565 16154 22369
(ii) Due from others 54005 81375 53546 80830 - - 49005 63727 156555 225931
a) Bills purchased and

discounted 15543 29309 16840 22334 - - 2212 1813 34595 53455
b) Syndicate loans 19857 27094 13382 23829 - - 29186 31433 62425 82356
c) Others 18605 24972 23324 34667 - - 17607 30481 59535 90120
10. Fixed Assets 4591 5512 24206 28231 3969 4738 9628 9880 42394 48362
10.1. Premises 1356 1870 19837 23274 3066 3024 4278 4542 28538 32709
10.2. Fixed assets under construction 241 278 144 250 127 712 275 227 787 1467
10.3. Other fixed assets 2995 3363 4222 4707 777 1003 5075 5113 13069 14185
11. Other Assets 55039 49840 47580 54867 58141 97746 36666 44290 197425 246743
(i) Inter - office adjustments (net) 12980 3470 3371 3474 155 96 172 122 16677 7161
(ii) Interest accrued 8815 9313 13691 15354 2714 3066 7886 9153 33107 36886
(iii) Tax paid in advance/tax

deducted at source 4355 5289 13011 15024 854 1029 6040 6407 24259 27749
(iv) Stationery and stamps 122 121 108 120 1 1 51 56 282 299
(v) Others 28768 31648 17399 20896 54417 93554 22516 28552 123100 174649
Total Assets 1010959 1280212 2010965 2486505 364099 447149 940144 1027465 4326166 5241331

49
TABLE 3.2 : STATE-WISE DISTRIBUTION OF LIABILITIES AND ASSETS OF
STATE CO-OPERATIVE BANKS : 2007 AND 2008
Year Capital Reserves Deposits Borrowings Other Total
State / Union Liabilities Liabilities
Territories
(1) (2) (3) (4) (5) (6) (7)
Andaman & Nicobar Islands 2007 2 40 265 12 17 336

2008 2 55 289 19 12 377
Andhra Pradesh 2007 192 1246 1777 4191 899 8305
2008 193 1288 2173 3689 867 8210
Arunachal Pradesh 2007 13 138 163 13 27 354
2008 192 140 76 181 31 620
Assam 2007 6 179 587 2 68 842
2008 7 169 642 1 84 903
Bihar 2007 18 361 900 29 141 1449
2008 .. .. .. .. .. ..
Chandigarh* 2007 - 19 150 - 3 172
2008 - 26 189 - 4 219
Chhattisgarh 2007 15 89 1004 19 33 1160
2008 16 88 1322 167 45 1638
Delhi 2007 5 99 639 15 81 839
2008 8 128 658 16 51 861
Goa 2007 9 33 653 - 143 838
2008 11 37 663 - 135 846
Gujarat 2007 17 373 2034 1315 196 3935
2008 17 368 2617 1265 164 4431
Haryana 2007 61 396 1207 2029 17 3710
2008 69 397 1363 2157 20 4006
Himachal Pradesh 2007 8 281 2411 246 187 3133
2008 .. .. .. .. .. ..
Jammu & Kashmir 2007 2 23 325 1 12 363
2008 2 23 364 1 13 403
Karnataka 2007 42 328 2664 1141 187 4362
2008 66 438 3119 1348 80 5051
Kerala 2007 23 160 2901 546 162 3792
2008 23 170 3831 726 200 4950
Madhya Pradesh 2007 87 470 2022 952 90 3621
2008 111 372 2442 1117 228 4270
Maharashtra 2007 265 2579 14074 4039 302 21259
2008 284 2677 16510 2734 558 22763
Manipur 2007 39 13 42 138 12 244
2008 .. .. .. .. .. ..
Meghalaya 2007 6 25 591 27 52 701
2008 6 18 719 34 87 864
Mizoram 2007 4 8 177 39 9 237
2008 5 9 184 43 9 250
Nagaland 2007 30 28 162 2 5 227
2008 31 28 187 1 6 253
Orissa 2007 70 211 1296 1251 121 2949
2008 71 273 1566 1666 109 3685
Pondicherry 2007 9 32 252 4 14 311
2008 10 29 288 11 22 360
Punjab 2007 41 341 1388 2193 152 4115
2008 44 346 1566 2907 159 5022
Rajasthan 2007 54 367 1306 1377 15 3119
2008 57 386 1525 1448 14 3430
Sikkim 2007 10 4 23 2 3 42
2008 10 6 70 4 2 92
Tamil Nadu 2007 57 467 3264 878 582 5248
2008 61 599 3994 608 628 5890
Tripura 2007 8 27 262 9 51 357
2008 8 29 330 8 35 410
Uttar Pradesh 2007 86 725 2854 692 482 4839
2008 96 881 2885 960 419 5241
Uttarakhand 2007 37 7 714 34 68 860
2008 37 9 826 - 4 876
West Bengal 2007 29 234 2453 1060 261 4037
2008 31 261 2575 1053 310 4230
Total 2007 1245 9303 48560 22256 4392 85756
2008 1468 9250 52973 22164 4296 90151
Notes : * Share Capital of Chandigarh SCB is Rs.0.44 crore for the year 2007 and Rs. 0.49 crore for the year 2008.
Data for the year 2008 is provisional.
Data for the states of Bihar, Himachal Pradesh and Manipur is not available for the year 2008
50
STATE CO-OPERATIVE BANKS : 2007 AND 2008 (Concld.)
Year Cash in Investments Loans & Other Accumulated Total
Hand and Advances Assets Losses Assets
State / Union balances
Territories with banks
(1) (8) (9) (10) (11) (12) (13)
Andaman & Nicobar Islands 2007 10 211 86 29 - 336

2008 27 224 107 19 - 377
Andhra Pradesh 2007 110 1516 6065 614 - 8305
2008 204 1599 5996 411 - 8210
Arunachal Pradesh 2007 4 30 140 35 145 354
2008 18 263 132 50 157 620
Assam 2007 31 251 267 213 80 842
2008 30 285 289 206 93 903
Bihar 2007 91 611 628 119 - 1449
2008 .. .. .. .. .. ..
Chandigarh 2007 5 142 21 4 - 172
2008 6 158 51 4 - 219
Chhattisgarh 2007 676 255 145 73 11 1160
2008 63 1129 352 87 7 1638
Delhi 2007 322 178 281 58 - 839
2008 317 166 327 51 - 861
Goa 2007 60 353 331 94 - 838
2008 79 285 393 89 - 846
Gujarat 2007 762 866 2189 118 - 3935
2008 1220 889 2186 136 - 4431
Haryana 2007 331 405 2911 63 - 3710
2008 331 480 3124 71 - 4006
Himachal Pradesh 2007 146 1778 1076 133 - 3133
2008 .. .. .. .. .. ..
Jammu & Kashmir 2007 9 263 79 12 - 363
2008 15 271 88 29 - 403
Karnataka 2007 838 1230 2238 56 - 4362
2008 656 1540 2805 50 - 5051
Kerala 2007 607 767 2199 187 32 3792
2008 1403 1096 2186 215 50 4950
Madhya Pradesh 2007 222 1147 2095 157 - 3621
2008 424 1227 2450 169 - 4270
Maharashtra 2007 3111 6785 10011 1352 - 21259
2008 1458 10431 9331 1543 - 22763
Manipur 2007 10 92 96 13 33 244
2008 .. .. .. .. .. ..
Meghalaya 2007 296 206 146 53 - 701
2008 48 550 194 72 - 864
Mizoram 2007 39 63 112 12 11 237
2008 9 100 123 12 6 250
Nagaland 2007 7 99 54 35 32 227
2008 5 120 59 37 32 253
Orissa 2007 110 786 1938 115 - 2949
2008 140 1432 2006 107 - 3685
Pondicherry 2007 26 122 148 15 - 311
2008 27 116 197 17 3 360
Punjab 2007 88 454 3404 169 - 4115
2008 123 608 4123 168 - 5022
Rajasthan 2007 69 861 2054 135 - 3119
2008 131 914 2258 127 - 3430
Sikkim 2007 16 7 18 1 - 42
2008 57 17 17 1 - 92
Tamil Nadu 2007 222 1640 3243 143 - 5248
2008 297 2159 3336 98 - 5890
Tripura 2007 58 81 129 44 45 357
2008 63 123 136 41 47 410
Uttar Pradesh 2007 202 1234 3084 319 - 4839
2008 238 1065 3621 317 - 5241
Uttarakhand 2007 42 613 186 19 - 860
2008 46 667 135 28 - 876
West Bengal 2007 770 1094 1980 193 - 4037
2008 630 1146 2206 248 - 4230
Total 2007 9290 24140 47354 4583 389 85756
2008 8065 29060 48228 4403 395 90151
Notes : Data for the year 2008 is provisional.
Data for the states of Bihar, Himachal Pradesh and Manipur is not available for the year 2008
51
DISTRICT CENTRAL CO-OPERATIVE BANKS : 2007 AND 2008
Year Capital Reserves Deposits Borrowings Other Total
States Liabilities Liabilities
(1) (2) (3) (4) (5) (6) (7)
Andhra Pradesh 2007 791 1659 2615 5554 966 11585

2008 .. .. .. .. .. ..
Bihar 2007 176 490 1031 288 85 2070

2008 .. .. .. .. .. ..
Chhattisgarh 2007 100 293 1598 28 168 2187

2008 83 296 1896 154 153 2582
Gujarat 2007 311 1630 7094 1782 472 11289

2008 326 1768 8340 1745 522 12701
Haryana 2007 247 613 2987 2762 185 6794

2008 253 578 3373 3095 239 7538
Himachal Pradesh 2007 5 532 2713 99 122 3471

2008 .. .. .. .. .. ..
Jammu & Kashmir 2007 9 39 900 8 123 1079

2008 10 42 985 14 142 1193
Jharkhand 2007 18 157 687 5 80 947

2008 46 173 684 47 70 1020
Karnataka 2007 269 787 4397 1653 937 8043

2008 291 869 5127 2124 764 9175
Kerala 2007 117 831 8566 958 619 11091

2008 118 1008 10899 1179 1217 14421
Madhya Pradesh 2007 316 1299 4630 1606 293 8144

2008 343 1453 5226 1881 329 9232
Maharashtra 2007 1183 6059 27657 4550 1525 40974

2008 1294 6676 31955 4250 1718 45893
Orissa 2007 262 314 2139 1574 341 4630

2008 280 325 2437 1572 407 5021
Punjab 2007 90 773 4969 2666 209 8707

2008 103 875 5778 3347 260 10363
Rajasthan 2007 211 538 2899 1855 137 5640

2008 219 578 3611 1997 164 6569
Tamil Nadu 2007 894 2272 7393 1935 1074 13568

2008 1118 2431 8982 1984 1021 15536
Uttar Pradesh 2007 327 1660 6572 1801 453 10813

2008 342 1825 7206 1828 527 11728
Uttarakhand 2007 30 275 2283 91 80 2759

2008 30 317 2563 72 104 3086
West Bengal 2007 102 501 3399 697 403 5102

2008 111 573 3924 807 459 5874
ALL-INDIA 2007 5458 20722 94529 29912 8272 158893

2008 4967 19787 102986 26096 8096 161932
Note : Data for the year 2008 is provisional

Data for the states of Andhra Pradesh, Bihar and Himachal Pradesh is not available for the year 2008
52
DISTRICT CENTRAL CO-OPERATIVE BANKS : 2007 AND 2008 (Concld.)
Year Cash in Investments Loans & Other Accumulated Total
Hand and Advances Assets Losses Assets
States balances
with banks
(1) (8) (9) (10) (11) (12) (13)
Andhra Pradesh 2007 596 1213 8022 1129 625 11585

2008 .. .. .. .. .. ..
Bihar 2007 153 610 623 402 282 2070
2008 .. .. .. .. .. ..
Chhattisgarh 2007 301 826 812 169 79 2187
2008 200 1257 927 130 68 2582
Gujarat 2007 515 3903 5748 739 384 11289
2008 516 4501 6505 738 441 12701
Haryana 2007 1120 143 5180 321 30 6794
2008 424 1039 5686 352 37 7538
Himachal Pradesh 2007 101 1987 1201 182 .. 3471
2008 .. .. .. .. .. ..
Jammu & Kashmir 2007 52 370 376 128 153 1079
2008 55 383 447 139 169 1193
Jharkhand 2007 546 107 121 105 68 947
2008 93 600 133 124 70 1020
Karnataka 2007 874 1721 4843 415 190 8043
2008 873 2580 5183 364 175 9175
Kerala 2007 1613 2036 6739 679 24 11091
2008 2159 2851 8477 911 23 14421
Madhya Pradesh 2007 501 2015 4524 649 455 8144
2008 486 2396 5262 686 402 9232
Maharashtra 2007 1483 12413 22427 3009 1642 40974
2008 1482 14223 24587 3732 1869 45893
Orissa 2007 163 782 3128 510 47 4630
2008 157 880 3313 581 90 5021
Punjab 2007 306 2527 5562 310 2 8707
2008 303 2480 7164 399 17 10363
Rajasthan 2007 419 1303 3493 403 22 5640
2008 295 1549 4297 405 23 6569
Tamil Nadu 2007 502 2422 9130 1047 467 13568
2008 462 2826 11010 794 444 15536
Uttar Pradesh 2007 519 3855 4129 1105 1205 10813
2008 517 3890 4815 1126 1380 11728
Uttarakhand 2007 143 1591 874 150 1 2759
2008 143 1718 1061 164 .. 3086
West Bengal 2007 1367 1183 2106 410 36 5102
2008 1594 1246 2507 463 64 5874
ALL-INDIA 2007 11274 41007 89038 11862 5712 158893
2008 9759 44419 91374 11108 5272 161932
Note : Data for the year 2008 is provisional
Data for the states of Andhra Pradesh, Bihar and Himachal Pradesh is not available for the year 2008
53
TABLE 3.4 : LIABILITIES AND ASSETS OF INDIAN SCHEDULED COMMERCIAL BANKS
IN FOREIGN COUNTRIES - 2007 TO 2009
(Amount in US $ million)
As on March 31
Items 2007 2008 2009
(1) (2)
No. of banks 11 12 14
No. of branches 107 129 138
Liabilities
1. H. O. funds 2568.62 3479.04 5026.06
2. Customer deposits 15366.14 20268.14 22375.58
3. Inter-branch borrowings 3375.46 2386.34 5292.65
4. Inter-bank borrowings 15165.02 22272.99 22461.88
5. Other debt Instruments 6699.87 10040.03 9289.03
6. Other liabilities 1065.66 2112.10 2683.88
Total liabilities 44240.77 60558.64 67129.08
Assets
1. Cash on hand & balances 441.59 601.64 1680.42
with Central Banks
2. Investments in securities 4359.70 5445.68 5635.46
3. Inter-branch deposits 3791.94 5067.41 1839.52
4. Inter-bank deposits 10025.31 6833.58 9048.26
5. Customer credit 24477.01 41063.37 47051.47
6. Accumulated losses 68.42 62.98 81.21
7. Other assets 1076.80 1483.98 1792.74
Total assets 44240.77 60558.64 67129.08

Source : Statement of assets & liabilities of overseas branches, Department of Banking Supervision, RBI.
TABLE 4.1: MATURITY PATTERN OF TERM DEPOSITS OF SCHEDULED COMMERCIAL BANKS - 2006 TO 2008

As on March 31
2006 2007 2008
Period of maturity No. of Amount No. of Amount No. of Amount
Accounts Outstanding Accounts Outstanding Accounts Outstanding
(1) (2) (3) (4) (5) (6)
Upto 90 days 9674413 168248 9555760 167042 6421142 151043

(7.9) (13.5) (7.6) (10.5) (4.9) (7.6)
91 days & above but 6954578 117928 6042471 147350 4508089 167399
less than 6 months (5.7) (9.5) (4.8) (9.2) (3.4) (8.4)
6 months & above but 13021077 206329 11097696 283035 8410678 281990
less than 1 year (10.7) (16.6) (8.9) (17.7) (6.4) (14.2)
1 year & above but 25817363 330376 29123331 522672 38306041 794580
less than 2 years (21.2) (26.5) (23.3) (32.7) (29.3) (39.9)
2 years & above but 17695362 118283 16480044 114853 14445436 136421
less than 3 years (14.5) (9.5) (13.2) (7.2) (11.0) (6.9)
3 years & above but 29128550 201227 31133502 245393 33136987 294960
less than 5 years (23.9) (16.1) (24.9) (15.4) (25.3) (14.8)
5 years & above 19439312 103963 21487211 115794 25558382 165000

(16.0) (8.3) (17.2) (7.3) (19.5) (8.3)
Total 121730655 1246354 124920015 1596139 130786755 1991394

(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
Note : Figures in brackets represent percent share in total.

Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volumes 35-37.
55
TABLE 4.2 : OWNERSHIP OF DEPOSITS WITH SCHEDULED COMMERCIAL BANKS : 2007 AND 2008
As on the last Friday March
Sector of the Economy Current Savings Term Total
2007 2008 2007 2008 2007 2008 2007 2008
(1) (2) (3) (4) (5) (6) (7) (8)
I. Government Sector 49663 66281 49049 62861 291961 318663 390673 447805
(14.8) (14.8) (7.3) (8.0) (17.2) (15.3) (14.5) (13.5)
1. Central & State Governments 20918 30529 25966 34138 83206 113888 130091 178555
(6.2) (6.8) (3.9) (4.3) (4.9) (5.5) (4.8) (5.4)
i) Central Government 9393 13004 2661 4473 51669 60019 63723 77496
(2.8) (2.9) (0.4) (0.6) (3.1) (2.9) (2.4) (2.3)
ii) State Governments 11525 17525 23305 29665 31537 53869 66368 101059
(3.4) (3.9) (3.5) (3.8) (1.9) (2.6) (2.5) (3.0)
2. Local Authorities 6051 7967 13616 16908 48711 44971 68377 69846
(1.8) (1.8) (2.0) (2.2) (2.9) (2.2) (2.5) (2.1)
3. Quasi Government Bodies 10750 9800 3979 4890 53701 53287 68431 67977
(3.2) (2.2) (0.6) (0.6) (3.2) (2.6) (2.5) (2.0)
Of which: State Electricity Boards 4124 2364 435 798 6783 9962 11341 13124
(1.2) (0.5) (0.1) (0.1) (0.4) (0.5) (0.4) (0.4)
4. Public Sector Corporations 11943 17985 5488 6924 106343 106517 123774 131426
and Companies (3.6) (4.0) (0.8) (0.9) (6.3) (5.1) (4.6) (4.0)
i) Non - Departmental 3681 5801 751 699 59246 40261 63677 46761
Commercial Undertakings (1.1) (1.3) (0.1) (0.1) (3.5) (1.9) (2.4) (1.4)
ii) Others 8262 12184 4738 6225 47098 66256 60097 84665
(2.5) (2.7) (0.7) (0.8) (2.8) (3.2) (2.2) (2.6)
II. Private Corporate Sector 76647 111357 3245 3487 223591 317365 303482 432209
(Non - Financial) (22.8) (24.8) (0.5) (0.4) (13.2) (15.2) (11.2) (13.0)
1. Non- Financial Companies 61242 77295 917 886 185668 251110 247826 329291
(18.2) (17.2) (0.1) (0.1) (11.0) (12.1) (9.2) (9.9)
2. Non-Credit Co -operative 842 375 607 411 2623 2101 4071 2887
Institutions (0.3) (0.1) (0.1) (0.1) (0.2) (0.1) (0.2) (0.1)
3. Others 14563 33687 1722 2190 35300 64154 51585 100031
(4.3) (7.5) (0.3) (0.3) (2.1) (3.1) (1.9) (3.0)
III. Financial Sector 38367 73223 3684 4041 240413 265648 282465 342912
(11.4) (16.3) (0.5) (0.5) (14.2) (12.7) (10.5) (10.3)
1. Banks 18732 19889 1693 2042 91849 97178 112274 119109
(5.6) (4.4) (0.3) (0.3) (5.4) (4.7) (4.2) (3.6)
i) Indian Commercial Banks 13822 12383 1389 1572 59838 65158 75048 79113
(4.1) (2.8) (0.2) (0.2) (3.5) (3.1) (2.8) (2.4)
ii) Foreign Resident Banks 1614 1359 5 2 8779 4081 10398 5442
(Offices of Foreign (0.5) (0.3) (0.0) (0.0) (0.5) (0.2) (0.4) (0.2)
Banks in India )
iii) Co-operative Banks & 3296 6147 300 467 23232 27940 26828 34554
Credit societies (1.0) (1.4) (0.0) (0.1) (1.4) (1.3) (1.0) (1.0)
a. Co-operative Banks 3043 5679 99 141 22539 26639 25682 32459
(0.9) (1.3) (0.0) (0.0) (1.3) (1.3) (1.0) (1.0)
b. Credit Societies 253 468 201 326 693 1301 1147 2095
(0.1) (0.1) (0.0) (0.0) (0.0) (0.1) (0.0) (0.1)
Note : Figures in brackets indicate percentages to total.

Source : Basic Statistical Return IV.
56
TABLE 4.2 : OWNERSHIP OF DEPOSITS WITH SCHEDULED COMMERCIAL BANKS : 2007 AND 2008 (Contd.)
2007 2008 2007 2008 2007 2008 2007 2008
(1) (2) (3) (4) (5) (6) (7) (8)
2. Other Financial Institutions 11560 26248 1109 1209 105426 103107 118095 130564
(3.4) (5.8) (0.2) (0.2) (6.2) (4.9) (4.4) (3.9)
i) Financial Companies 549 574 72 58 2837 2560 3458 3192

(0.2) 0.1 (0.0) (0.0) (0.2) (0.1) (0.1) (0.0)
a. Housing Finance Companies 387 293 62 46 1093 1045 1541 1384

(0.1) 0.1 (0.0) (0.0) (0.1) (0.1) (0.1) (0.0)
b. Auto Finance Companies 163 281 10 12 1744 1515 1917 1808

(0.0) 0.1 (0.0) (0.0) (0.1) (0.1) (0.1) (0.1)
ii) Mutual Funds 1645 1473 16 23 59157 45702 60818 47198

(including Private Sector (0.5) 0.3 (0.0) (0.0) (3.5) (2.2) (2.3) (1.4)
Mutual Funds)
a. Mutual Funds in Private Sector 640 332 - - 19399 21760 20040 22092
(0.2) 0.1 (0.0) (0.0) (1.1) (1.0) (0.7) (0.7)
b. Other Mutual Funds 1005 1141 16 23 39757 23942 40778 25106

(0.3) 0.3 (0.0) (0.0) (2.3) (1.1) (1.5) (0.8)
iii) Unit Trust of India 2009 18637 16 85 4028 3414 6054 22136
(0.6) 4.1 (0.0) (0.0) (0.2) (0.2) (0.2) (0.7)
iv) Insurance Corporations and 5739 4269 29 22 16853 18671 22621 22962
Companies (Life and General) (1.7) (1.0) (0.0) (0.0) (1.0) (0.9) (0.8) (0.7)
v) Term Lending Institutions 249 176 21 51 2918 3409 3189 3636

(0.1) (0.0) (0.0) (0.0) (0.2) (0.2) (0.1) (0.1)
vi) Provident Fund Institutions 1368 1119 955 972 19632 29351 21955 31442
(0.4) (0.2) (0.1) (0.1) (1.2) (1.4) (0.8) (0.9)
3. Other Financial Companies@ 8075 27086 882 790 43139 65363 52095 93239
(2.4) (6.0) (0.1) (0.1) (2.5) (3.1) (1.9) (2.8)
i) Financial Services Companies 2137 14400 52 33 11356 13114 13545 27547

(0.6) (3.2) (0.0) (0.0) (0.7) (0.6) (0.5) (0.8)
ii) Other Financial Companies 4002 6820 72 79 13536 30415 17610 37314
(1.2) (1.5) (0.0) (0.0) (0.8) (1.5) (0.7) (1.1)
iii) Others 1936 5866 759 679 18247 21833 20941 28378
(0.6) (1.3) (0.1) (0.1) (1.1) (1.0) (0.8) (0.9)
Notes : Figures in brackets indicate percentages to total.

@ Includes (a) ‘Financial Service Companies’ which undertake issue management, portfolio management etc.,
(b) ‘Other Financial Companies’ which are engaged in leasing, hire purchase, loan companies, etc., and (c) ‘Others’
including non-profit institutions serving business, like FICCI, CII, ASSOCHAM, etc.
57
TABLE 4.2 : OWNERSHIP OF DEPOSITS WITH SCHEDULED COMMERCIAL BANKS : 2007 AND 2008 (Concld.)
2007 2008 2007 2008 2007 2008 2007 2008
(1) (2) (3) (4) (5) (6) (7) (8)
IV. Household Sector 160883 183013 578107 670895 810726 1074109 1549716 1928017
(47.9) (40.7) (86.2) (85.4) (47.9) (51.5) (57.4) (58.1)
1. Individuals (including Hindu 73220 82796 515938 598620 612681 813963 1201839 1495379
Undivided Families) (21.8) (18.4) (76.9) (76.2) (36.2) (39.1) (44.5) (45.1)
i) Farmers 2716 3569 85316 82609 84410 91012 172442 177190

(0.8) (0.8) (12.7) (10.5) (5.0) (4.4) (6.4) (5.3)
ii) Businessmen, Traders, 38796 39971 69206 87928 101167 135647 209170 263546
Professionals and (11.6) (8.9) (10.3) (11.2) (6.0) (6.5) (7.7) (7.9)
Self - Employed Persons
iii) Wage and Salary Earners 4240 3886 95582 107263 78211 107046 178033 218195
(1.3) (0.9) (14.2) (13.7) (4.6) (5.1) (6.6) (6.6)
iv) Shroffs, Money Lenders, 999 1028 4161 4580 5309 10644 10469 16252
Stock Brokers, Dealers (0.3) (0.2) (0.6) (0.6) (0.3) (0.5) (0.4) (0.5)
in Bullion etc.
v) Other Individuals 26468 34341 261673 316240 343584 469614 631725 820195
(7.9) (7.6) (39.0) (40.2) (20.3) (22.5) (23.4) (24.7)
2. Trusts, Associations, Clubs etc. 10229 12904 11717 12056 49718 56017 71663 80977
(3.0) (2.9) (1.7) (1.5) (2.9) (2.7) (2.7) (2.4)
3. Proprietary and Partnership 47556 54575 4311 5082 39521 50648 91388 110305
concerns etc. (14.2) (12.1) (0.6) (0.6) (2.3) (2.4) (3.4) (3.3)
4. Educational Institutions 2865 3175 7980 8951 15306 16469 26112 28595
(0.9) (0.7) (1.2) (1.1) (0.9) (0.8) (1.0) (0.9)
5. Religious Institutions 475 355 2003 2161 7024 5958 9502 8474
(0.1) (0.1) (0.3) (0.3) (0.4) (0.3) (0.4) (0.3)
6. Others (not elsewhere classified) 26539 29207 36157 44025 86476 131054 149172 204286
(7.9) (6.5) (5.4) (5.6) (5.1) (6.3) (5.5) (6.2)
V. Foreign Sector 10147 15355 36765 44479 126653 107865 173565 167699
(3.0) (3.4) (5.5) (5.7) (7.5) (5.2) (6.4) (5.1)
1. Foreign Consulates, Embassies, 497 1049 328 334 752 2624 1578 4007
Trade Missions, Information (0.1) (0.2) (0.0) (0.0) (0.0) (0.1) (0.1) (0.1)
Services etc.
2. Non-Residents 2623 1931 33156 40447 113640 97087 149418 139465

(0.8) (0.4) (4.9) (5.1) (6.7) (4.7) (5.5) (4.2)
3. Others 7027 12375 3281 3698 12261 8153 22569 24226

(2.1) (2.8) (0.5) (0.5) (0.7) (0.4) (0.8) (0.7)
Total 335707 449229 670850 785763 1693344 2083650 2699901 3318642
Note : Figures in brackets indicate percentages to total.

58
TABLE 5.1 - BANK GROUP-WISE DISTRIBUTION OF OUTSTANDING CREDIT
OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION - 2008
As on March 31
State Bank of India & its Associates Nationalised Banks
Occupation No. of Credit Amount No. of Credit Amount
Accounts Limit Outstanding Accounts Limit Outstanding
(1) (2) (3) (4) (5) (6)
I. Agriculture 9697800 87402 73328 16616576 150669 132084
1. Direct Finance 9543018 67774 59203 16375724 106990 94945
2. Indirect Finance 154782 19628 14125 240852 43679 37139
II. Industry 782684 334074 234031 1430393 667582 500512
1. Mining & Quarrying 9197 13903 9441 10525 22121 17212
2. Food Manufacturing & Processing 87637 26430 20118 151373 36511 26665
(a) Rice Mills, Flour & Dal Mills 32675 8149 6149 80669 7842 5918
(b) Sugar 765 6785 5251 983 11093 8102
(c) Edible Oils & Vanaspati 5109 3547 2707 8379 3867 2788
(d) Tea Processing 421 493 338 1052 2035 1492
(e) Processing of Fruits & Vegetables 1290 614 493 1649 688 487
(f) Others 47377 6841 5179 58641 10986 7879
3. Beverage & Tobacco 3286 2816 2126 2568 3957 2770
4. Textiles 74022 51325 34955 253314 72688 52956
(a) Cotton Textiles 15342 24717 16197 93316 34044 24125
(b) Jute & Other Natural Fibre Textiles 3847 515 354 35308 1898 1211
(c) Handloom Textiles & Khadi 15000 1107 735 23650 1866 1406
(d) Other Textiles and Textile Products 39833 24986 17669 101040 34879 26214
5. Paper, Paper Products & Printing 15386 6414 4786 25676 10731 8549
6. Leather & Leather Products 11562 2468 1929 18874 4002 2926
7. Rubber & Plastic Products 13037 7805 5581 22157 11621 8077
8. Chemicals & Chemical Products 25266 26960 19443 157284 37164 26487
(a) Heavy Industrial Chemicals 2161 7254 5276 4579 8244 6059
(b) Fertilisers 376 1810 1329 656 6483 5084
(c) Drugs & Pharmaceuticals 2640 6451 4474 90048 12582 8396
(d) Non-Edible Oils 767 894 628 377 699 369
(e) Other Chemicals & Chemical Products 19322 10551 7735 61624 9156 6578
9. Petroleum, Coal Products & Nuclear Fuels 891 12686 6585 1749 35430 29866
10. Manufacture of Cement & Cement Products 7729 5205 3268 23945 12295 8939
11. Basic Metals & Metal Products 33364 49010 33717 68797 90581 65005
(a) Iron & Steel 8520 36750 25072 11862 67381 47347
(b) Non-Ferrous Metals 3142 5682 3973 2923 9195 7222
(c) Metal Products 21702 6578 4671 54012 14004 10435
12. Engineering 41445 25070 18241 81868 45672 33431
(a) Heavy Engineering 3347 3114 2332 12118 8200 5197
(b) Light Engineering 25509 10478 7538 35440 19881 15575
(c) Electrical Machinery & Goods 9600 7557 5512 17299 10384 6752
(d) Electronic Machinery & Goods 2989 3921 2859 17011 7206 5907
13. Vehicles,Vehicle Parts& Transport Equipments 6954 12525 8791 22174 18252 12397
14. Other Industries 407973 26698 18470 453950 53689 40935
15. Electricity, Gas & Water 1343 18087 13035 3316 79418 61024
(a) Electricity Generation & Transmission 637 14140 10147 1747 74853 57605
(b) Non-Conventional Energy 149 2223 1391 510 2186 1646
(c) Gas, Steam & Water Supply 557 1725 1497 1059 2379 1773
16. Construction 43592 46672 33547 132823 133449 103274
III. Transport Operators 90895 12216 8742 197719 17971 14810
IV. Professional And Other Services 268808 39799 28554 1094543 106770 85456
V. Personal Loans 7938619 148710 115922 8715396 180670 151652
1. Loans for Purchase of Consumer Durables 55463 475 361 454413 3065 2392
2. Loans for Housing 1649279 72781 59226 2203452 101450 89729
3. Rest of the Personal Loans 6233877 75454 56335 6057531 76155 59531
VI. Trade 1343955 59918 48198 3013540 156009 113794
1. Wholesale Trade 46462 28529 23390 211166 74749 61203
2. Retail Trade 1297493 31389 24808 2802374 81260 52590
VII. Finance 6285 32297 27410 91764 133073 115317
VIII. All Others 248528 7534 6107 3652920 82518 66151
Total Bank Credit 20377574 721951 542292 34812851 1495261 1179776
Note : Data reported here cover Bank’s branches in India and include bills rediscounted under the New Bill Market scheme
as also dues from banks.
Source : Basic Statistical Returns of Scheduled Commercial Banks in India, Volume 37, March 2008.
59
OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION - 2008 (Contd.)
As on March 31
Foreign Banks Regional Rural Banks
(7) (8) (9) (10) (11) (12)
I. Agriculture 521 1039 509 9669055 37511 32140
1. Direct Finance 249 314 186 9472737 35960 30803
II. Industry 52868 119658 68323 579508 3003 2337
(b) Sugar 38 249 212 26 1 1
(d) Tea Processing 22 433 109 7 3 3
(f) Others 519 3365 1880 65747 199 146
4. Textiles 10659 9199 6276 67993 310 254
(b) Jute & Other Natural Fibre Textiles 20 - - 9529 63 65
(a) Heavy Industrial Chemicals 428 2757 1503 8 - -
(b) Fertilisers 69 917 253 - - -
(d) Non-Edible Oils 4 61 36 7 - -
(a) Iron & Steel 1821 5147 2241 63 10 9
(b) Non-Ferrous Metals 436 4472 1960 12 - -
(c) Metal Products 1526 4078 1787 10810 49 37
12. Engineering 7295 17656 10437 10049 66 49
16. Construction 8592 10162 6067 23002 701 591
V. Personal Loans 8455388 97495 47657 1990016 13423 10396
VI. Trade 51810 15436 11135 1615257 6268 4877
1. Wholesale Trade 18729 7774 4929 95375 606 482
2. Retail Trade 33081 7661 6206 1519882 5662 4395
VII. Finance 3092 38323 11246 74488 584 447
VIII. All Others 65839 8307 4684 1606722 6641 5471
Note : Data reported here cover Bank’s branches in India and include bills rediscounted under the New Bill Market scheme
as also dues from banks.
60
OF SCHEDULED COMMERCIAL BANKS ACCORDING TO OCCUPATION - 2008 (Concld.)
As on March 31
Other Scheduled Commercial Banks All Scheduled Commercial Banks
(13) (14) (15) (16) (17) (18)
I. Agriculture 2221226 44798 36080 38205178 321418 274141
1. Direct Finance 2124602 33705 27430 37516330 244743 212567
II. Industry 1220300 184075 123332 4065753 1308392 928536
(b) Sugar 272 1373 1132 2084 19501 14698
(d) Tea Processing 203 1083 1018 1705 4047 2961
(f) Others 29456 6164 3235 201740 27555 18319
4. Textiles 56809 20527 13868 462797 154049 108310
(b) Jute & Other Natural Fibre Textiles 1659 198 174 50363 2675 1805
(a) Heavy Industrial Chemicals 988 4361 3069 8164 22616 15907
(b) Fertilisers 119 904 535 1220 10116 7201
(d) Non-Edible Oils 91 51 35 1246 1706 1069
(a) Iron & Steel 2826 10143 7183 25092 119431 81852
(b) Non-Ferrous Metals 757 1427 1180 7270 20777 14337
(c) Metal Products 257857 3039 2115 345907 27748 19045
12. Engineering 533368 9211 6421 674025 97675 68579
16. Construction 132585 43290 37307 340594 234274 180785
V. Personal Loans 16924742 247442 159790 44024161 687741 485416
VI. Trade 430910 48266 34552 6455472 285896 212556
1. Wholesale Trade 65168 22417 15146 436900 134075 105151
2. Retail Trade 365742 25849 19406 6018572 151821 107405
VII. Finance 22101 24209 16134 197730 228486 170554
VIII. ALL OTHERS 1969562 41009 31427 7543571 146009 113840
Note : Data reported here cover Bank’s branches in India and include bills rediscounted under the New Bill Market scheme as
also dues from banks.
61
GRAPH - 4
OCCUPATION-WISE DISTRIBUTION OF CREDIT BY SCHEDULED
COMMERCIAL BANKS ACCORDING TO BANK GROUPS - 2008
(As on March 31)
State Bank of India & Its Associates Nationalised Banks
Agriculture Agriculture
8.9% 6.2% 13.5%

Industry 15.4% 11.2% Industry
9.6%
T ransport T ransport Operators
Operators
26.6%
43.2% Personal Loans and 42.4% Personal Loans and
20.1%
1.6% Professional 1.3% Professional
Services Services
T rade T rade
9.9% 0.3% Industry 10.2% Industry

6.9% 8.4%
42.4% Transport Operators Transport Operators
Personal Loans and Personal Loans and

Professional Services 20.7% 55.5% Professional Services
Trade Trade
39.9% 1.1% 4.0%
0.6%
All Others All Others
10.0% 7.6% Industry 11.8% 11.3%
7.3% Industry
8.8%
25.9% T ransport Operators Transport Operators
Personal Loans and
Personal Loans and
Professional Services
38.4% Professional Services
4.1% T rade 27.8%
45.1% Trade
1.8%
All Others
All Others
62
TABLE 5.2 : BANK GROUP-WISE DISTRIBUTION OF OUTSTANDING CREDIT OF
SCHEDULED COMMERCIAL BANKS ACCORDING TO SIZE OF CREDIT LIMIT - 2008

As on March 31
State Bank of India & its Associates Nationalised Banks
Credit limit range No. of Credit Amount No. of Credit Amount
(1) (2) (3) (4) (5) (6)
Rs. 25000 and less 6263277 10021 8933 13649715 20526 18363
Above Rs. 25000 and upto Rs.2 lakh 11013904 88298 70661 16797216 125571 113897
Above Rs. 2 lakh and upto Rs.5 lakh 2225077 74381 61358 2870698 95684 82549
Above Rs. 50 lakh and upto Rs.1 crore 25071 18927 14295 56696 42932 33560
Above Rs. 1 crore and upto Rs.4 crore 22198 46587 35566 46365 95451 75216
Above Rs. 25 crore 3020 256221 176812 7280 719352 546099
Total 20377574 721951 542292 34812851 1495261 1179776
Note : Figures in brackets indicate percent share in total.

63
SCHEDULED COMMERCIAL BANKS ACCORDING TO SIZE OF CREDIT LIMIT - 2008 (Contd.)

As on March 31
(7) (8) (9) (10) (11) (12)
Rs. 25000 and less 1657359 2910 554 9373585 15468 12816
Above Rs. 25 crore 1362 130019 54373 - - -
Total 8697081 306817 161239 16127042 70302 57887

64
SCHEDULED COMMERCIAL BANKS ACCORDING TO SIZE OF CREDIT LIMIT - 2008 (Concld.)

As on March 31
(7) (8) (9) (10) (11) (12)
Rs. 25000 and less 7354139 9612 5754 38298075 58536 46420
Above Rs. 25 crore 2393 138079 82123 14055 1243670 859408
Total 26975632 689761 475813 106990180 3284091 2417007

65
GRAPH - 5
DISTRIBUTION OF OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL
BANKS ACCORDING TO INTEREST RATE RANGE - 2007 AND 2008
(As on March 31)
2007
2008
66
TABLE 5.3 : DISTRIBUTION OF OUTSTANDING CREDIT OF SCHEDULED COMMERCIAL BANKS
ACCORDING TO INTEREST RATE RANGE - 2007 AND 2008

As on March 31
2007 2008
(7) (8) (9) (10) (11) (12)
Less than 6% 174100 10158 8613 27663 2296 1645

(1.7) (0.5) (0.5)
6% and above but less than 10% 2685179 441947 340758 2138944 241306 186755
(26.8) (20.2) (21.4)
(22.7) (23.2) (23.6)
(21.4) (24.3) (23.4)
(4.5) (21.2) (21.0)
(17.4) (6.3) (6.3)
(1.2) (2.3) (2.1)
(1.7) (1.6) (1.3)
(0.9) (0.2) (0.1)
20% and above 165155 6015 2200 444172 14890 5998

(1.6) (0.3) (0.1)
Total loans & advances 10012087 2188482 1591808 12351431 2582564 1982803
(100.0) (100.0) (100.0)
Inland & foreign bills purchased/discounted 82542 197777 76396 84363 238152 103182
Total 10094629 2386259 1668204 12435794 2820716 2085985
Notes : 1. Data relate to accounts each with credit limit over Rs.2 lakh.
2. Figures in bracket represent per cent share in total loans and advances.
67
TABLE 5.4 : OUTSTANDING ADVANCES OF SCHEDULED COMMERCIAL BANKS TO EXPORTERS

As on the last 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
reporting Friday
March 40460 45387 43123 50248 59744 69452 86207 104926 129983 128940
June 41814 44287 47225 51443 62956 70434 93067 107983 129956 119717
September 43339 41229 44804 52339 64582 75391 94773 113373 136172 120637
December 44292 43226 45984 56710 66712 81965 97763 117719 137451
Notes : Figures since the financial year 2005-06 include outstanding advances of 3 cooperative banks, viz.,
(i) Bombay Mercantile Co-operative Bank,
(ii) Maharashtra State Co-operative Bank and (iii) Saraswat Co-operative Bank.
Source : Monetary Policy Department, RBI.
TABLE 5.5 : OUTSTANDING ADVANCES OF SCHEDULED COMMERCIAL BANKS

FOR PUBLIC FOOD PROCUREMENT OPERATIONS

As on the last reporting Friday
March June Sept. Dec. March June Sept. Dec. March June Sept. Dec. March
Bank Group 2006 2006 2006 2006 2007 2007 2007 2007 2008 2008 2008 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
1. SBI & its 12295 13251 9010 13844 15599 14449 11773 13471 13735 15684 13711 16235 13492
Associates
2. Nationalised 26400 25979 22529 25738 28731 27450 23344 24854 28263 31900 29028 33257 30231
Banks
3. Public Sector 38695 39230 31539 39582 44329 41900 35117 38324 41998 47584 42738 49492 43723
Banks (1+2)
4. Foreign Banks - - - - - - - - - - - - -
5. Other Scheduled 1995 2068 1919 2047 2191 2057 1891 1943 2401 2562 2437 2618 2488
Commercial Banks
Total (3+4) 40691 41298 33458 41629 46521 43956 37008 40268 44399 50147 45175 52110 46211
Source : Department of Economic Analysis & Policy, RBI.
68
TABLE 5.6: SECTOR-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS

As on last reporting Friday
Sector April May June July August September
2007 2007 2007 2007 2007 2007
(1) (2) (3) (4) (5) (6)
I Gross Bank Credit (II + III) 1806839 1800247 1813750 1822768 1868518 1938066
IIFood Credit 49887 44864 43956 41296 38490 37008
III
Non-Food Gross Bank Credit (1 to 4) 1756952 1755383 1769794 1781472 1830028 1901058
1 Agriculture & Allied Activities 222307 221492 222868 222876 221434 229920
2 Industry (Micro & Small, Medium & Large) 665693 663238 669759 678359 700414 727945
2.1 Micro and Small 111133 112855 114496 115902 118974 123956
2.2 Medium 94448 93780 92985 94504 97580 98101
2.3 Large 460112 456603 462277 467953 483860 505888
3 Services 401655 403828 407430 408039 425848 449626
3.1 Transport Operators 25941 25243 24588 26118 28501 31404
3.2 Computer Software 4694 4685 5151 5877 6787 6376
3.3 Tourism and Hotels and Restaurants 9641 10011 10277 10730 10665 10314
3.4 Shipping 6767 6898 7334 6743 7302 6802
3.5 Professional Services 23310 22998 21546 22000 23380 24187
3.6 Trade 103774 105728 104140 104497 106717 111770
3.6.1 Wholesale Trade
(other than food procurement) 47572 49026 47591 47698 48807 51485
3.6.2 Retail Trade 56202 56702 56549 56799 57910 60285
3.7 Others 227528 228265 234394 232073 242496 258773
3.7.1 Real Estate Loans 45812 47164 47267 45881 47768 49513
3.7.2 Non-Banking Financial Companies 50603 48263 48469 49317 51001 54499
3.7.3 All Others 131113 132838 138658 136876 143727 154761
4 Personal Loans 467297 466825 469737 472197 482332 493567
4.1 Consumer Durables 9805 9849 9617 9448 9707 10163
4.2 Housing 232781 234745 236043 238075 240181 246293
4.3 Advances against F.D.(including
FCNR(B), NRNR Deposits, etc.) 40918 39522 40055 40496 41551 42414
4.4 Advances to individuals against
share,bonds,etc. 4227 4159 4040 4017 3810 3758
4.5 Credit Card Outstandings 19707 19975 20428 20765 21883 22475
4.6 Education 15213 15438 15833 16366 17224 18149
4.7 Vehicle Loans 60773 62611 62952 63507 64889 65932
4.8 Other Personal Loans 83873 80526 80768 79523 83086 84383
5 Priority Sector# 623945 627574 631419 639053 643212 661967
5.1 Agriculture & Allied Activities 222307 221492 222868 222876 221434 229920
5.2 Micro and Small Enterprises (MSEs) 166757 170662 173488 176401 179951 186041
(a) Manufacturing 111133 112855 114496 115902 118974 123956
(b) Services 55624 57807 58992 60499 60977 62085
5.3 Housing 166695 168761 170987 173775 173344 179294
5.4 Retail Trade 36905 36355 37303 37530 39382 41719
5.5 Micro-credit 10930 10912 11191 11761 12206 12491
5.6 Educational Loans 15084 15672 15825 16729 17656 19193
5.7 State-sponsored Organisations for
scheduled castes (SCs) /scheduled
tribes (STs) 1388 1447 1424 1380 1444 1473
5.8 Weaker Sections 90435 91432 91142 90995 90592 93748
5.9 Export Credit@ 16896 18258 18269 17671 19226 18746
Notes : 1. Data are provisional and relate to select scheduled commercial banks which account for more than 95 per cent
of bank credit of all scheduled commercial banks.
2. Gross bank credit data include bills rediscounted with Reserve Bank, EXIM Bank, other approved financial
institutions and inter-bank participations.
# Excluding investment in eligible securities.
@ Export credit under priority sector is eligible for foreign banks only.
Source : Monetary Policy Department, RBI
69
TABLE 5.6: SECTOR-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Contd.)

Sector October November December January February March
2007 2007 2007 2008 2008 2008
(7) (8) (9) (10) (11) (12)
IIFood Credit 35866 37697 40268 39183 42818 44399
III
2.1 Micro and Small 124716 127535 129763 128802 131388 132698
2.2 Medium 99188 98535 103798 106333 108962 110800
2.3 Large 502128 511407 533105 542729 571185 614846
3 Services 445564 454405 469712 485014 505158 549496
3.4 Shipping 6717 6788 6922 7254 7435 7559
3.6 Trade 111173 113270 117209 117974 120808 123828
3.6.2 Retail Trade 60231 61204 63223 63311 64247 68079
3.7 Others 256082 262745 272661 285708 299526 333702
3.7.3 All Others 151592 155306 157667 167049 176327 191397
4 Personal Loans 489908 497884 502462 508165 521174 521618
4.2 Housing 244908 249227 253200 253496 257892 260123
share,bonds,etc. 3510 3808 4194 4671 4469 4075
4.6 Education 18641 18989 19522 20168 20799 20533
4.7 Vehicle Loans 65350 66867 60714 60205 60493 58622
5 Priority Sector# 657849 671198 681276 684229 710098 748074
(a) Manufacturing 124716 127535 129763 128802 131388 132698
(b) Services 62814 65084 67211 67918 68708 72194
5.3 Housing 178201 181864 183185 184405 178517 180715
5.4 Retail Trade 40956 41773 42843 43238 44798 47185
5.5 Micro-credit 12624 12629 12932 12990 13420 13337
tribes (STs) 1471 1486 1562 1577 1697 1701
5.8 Weaker Sections 94580 96195 99496 99376 102137 106714
5.9 Export Credit@ 21993 22608 23497 23591 26557 25233
70
TABLE 5.6: SECTOR-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Contd.)

Sector April May June July August September
2008 2008 2008 2008 2008 2008
(13) (14) (15) (16) (17) (18)
IIFood Credit 41024 54343 50147 50360 44343 45175
III
2.1 Micro and Small 134338 136112 140838 141295 142839 144402
2.2 Medium 110378 111525 112394 113485 116631 119677
2.3 Large 606055 610878 631011 643230 671173 715757
3 Services 526679 522949 543356 558804 569176 582593
3.4 Shipping 7558 7502 7937 7816 8069 7738
3.6 Trade 122266 122438 125634 126542 129403 132736
3.6.2 Retail Trade 66539 66618 68599 69213 70236 70247
3.7 Others 308319 306560 319667 331589 336496 343750
3.7.3 All Others 174429 173541 178983 189631 190704 191924
4 Personal Loans 521589 528483 539343 542433 552395 552910
4.2 Housing 260459 263360 265579 266798 270053 269962
share,bonds,etc. 4476 4415 4359 4289 4230 4341
4.6 Education 20911 21352 21813 22564 23800 24882
4.7 Vehicle Loans 62537 65482 66722 63671 62229 62102
5 Priority Sector# 754811 766949 782594 776713 788357 808865
(a) Manufacturing 134337 136112 140838 141295 142839 144402
(b) Services 73700 74201 75191 75982 75125 76380
5.3 Housing 181491 185019 185567 182350 184749 185121
5.4 Retail Trade 44110 45873 45588 46297 47122 47717
5.5 Micro-credit 14065 13728 14081 14751 15020 14999
tribes (STs) 1825 1799 1933 1991 2021 2130
5.8 Weaker Sections 106115 106200 105153 105999 108300 112783
5.9 Export Credit@ 25942 27708 25666 25666 28992 31143
71
TABLE 5.6: SECTOR-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Concld.)

Sector October November December January February March
2008 2008 2008 2009 2009 2009
(19) (20) (21) (22) (23) (24)
IIFood Credit 48255 49391 52110 46491 48430 46211
III
2.1 Micro and Small 148292 154949 155560 156204 163501 168997
2.2 Medium 120724 120239 122104 122853 123662 122155
2.3 Large 728586 734987 740946 735147 752658 763238
3 Services 603528 603955 593289 600471 599719 646299
3.4 Shipping 8053 8027 8290 8529 9035 9417
3.6 Trade 134168 136450 139820 133767 138187 144377
3.6.2 Retail Trade 71714 72941 73182 72455 73752 76952
3.7 Others 360732 358938 345557 359117 351267 384518
3.7.3 All Others 201248 196076 183018 177558 169981 193244
4 Personal Loans 563316 563786 568647 557608 555392 562479
4.2 Housing 271817 271940 273071 273101 274323 279366
share,bonds,etc. 4037 3714 3236 2539 2411 2287
4.6 Education 25536 26265 26760 27721 27832 28579
4.7 Vehicle Loans 61195 60815 62740 62270 61577 62095
5 Priority Sector# 820151 822754 825953 847444 844575 932459
(a) Manufacturing 148292 154949 155560 156204 163501 168997
(b) Services 76289 78646 80135 80512 84084 91000
5.3 Housing 187414 184268 187333 189194 189516 197110
5.4 Retail Trade 46758 47746 48330 47704 48241 49198
5.5 Micro-credit 15311 15357 15393 16215 16663 16579
tribes (STs) 2155 2249 2234 2274 2300 2451
5.8 Weaker Sections 116358 119225 121366 125689 128936 139422
5.9 Export Credit@ 31092 29765 25561 24375 25035 27339
72
TABLE 5.7: INDUSTRY-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS
Industry April May June July August September
2007 2007 2007 2007 2007 2007
(1) (2) (3) (4) (5) (6)
2.1 Mining and Quarrying ( incl.Coal) 8874 8374 8166 8791 8874 9458
2.2 Food Processing 37319 36157 37436 38243 38637 39357
2.2.1 Sugar 11281 10709 11233 11459 11975 12012
2.2.2 Edible Oils and Vanaspati 5631 5684 5743 5307 5064 5351
2.2.3 Tea 2443 2199 2427 2862 2641 2912
2.2.4 Others 17963 17563 18031 18615 18957 19082
2.3 Beverage & Tobacco 4614 4552 4527 4859 4828 4987
2.4 Textiles 77394 77486 77797 78802 79595 81089
2.4.1 Cotton Textiles 37223 37843 38144 38027 38905 39869
2.4.2 Jute Textiles 1131 1097 1057 861 933 1123
2.4.3 Man-made Textile 4599 4655 4652 4716 4815 4585
2.4.4 Other Textiles 34440 33892 33945 35198 34942 35512
2.5 Leather & Leather Products 5015 4896 4873 4854 4957 5514
2.6 Wood and Wood Products 2219 2306 2386 2450 2524 2503
2.7 Paper & Paper Products 10996 11140 11156 11415 11416 12151
2.8 Petroleum, Coal Products and
Nuclear Fuels. 29115 29372 29000 30473 32743 37412
2.9 Chemicals and Chemical Products 51540 50926 51731 52732 53585 54798
2.9.1 Fertiliser 9243 9182 8662 8417 8855 8804
2.9.2 Drugs & Pharmaceuticals 18616 18181 18805 18625 19506 20657
2.9.3 Petro-chemicals 6408 6471 6570 7954 7244 6435
2.9.4 Others 17273 17092 17694 17736 17980 18902
2.10 Rubber, Plastic & their Products 9370 9279 9313 9582 9709 9919
2.11 Glass and Glass Ware 2309 2239 2258 2526 2584 2562
2.12 Cement and Cement Products 8845 8677 8714 8749 9195 9796
2.13 Basic Metals and Metal Products 87390 84986 86063 86100 88116 91213
2.13.1 Iron and Steel 66955 64523 65395 65486 67091 70180
2.13.2 Other Metal and Metal Products 20435 20463 20668 20614 21024 21033
2.14 Engineering 43498 43578 43989 44662 46601 48585
2.14.1 Electronics 12847 12935 12885 13117 14055 14760
2.14.2 Others 30651 30643 31104 31545 32545 33825
2.15 Vehicles, Vehicle Parts and
Transport Equipments 21489 23633 23587 23771 25949 26667
2.16 Gems & Jewellery 23508 23366 23600 24078 23558 24150
2.17 Construction 19879 20198 20389 20396 21047 21265
2.18 Infrastructure 144531 143999 148137 150125 153833 161463
2.18.1 Power* 74888 74703 76478 77484 80541 84003
2.18.2 Telecommunications 20307 19856 20415 20174 19531 20095
2.18.3 Roads & Ports 26046 26936 27249 27596 28597 29950
2.18.4 Other Infrastructure 23290 22504 23996 24871 25165 27414
2.19 Other Industries 77788 78074 76636 75752 82663 85056
INDUSTRY (Total of Micro &

Small, Medium and Large Scale) 665693 663238 669758 678359 700414 727945
* Genaration, transmission and distribution of electricity included.
73
TABLE 5.7: INDUSTRY-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Contd.)
Industry October November December January February March
2007 2007 2007 2008 2008 2008
(7) (8) (9) (10) (11) (12)
2.2 Food Processing 40092 41106 43147 44555 47233 49397
2.2.1 Sugar 11999 12292 12793 13505 14945 16080
2.2.3 Tea 2764 2619 2555 2460 2505 2483
2.2.4 Others 19399 19951 21102 22029 23007 23591
2.4 Textiles 81464 82962 86006 87347 92177 96398
2.4.1 Cotton Textiles 39717 40386 42214 43308 46463 47746
2.4.2 Jute Textiles 1178 1105 1200 1024 977 1080
2.4.3 Man-made Textile 4329 4427 4596 4543 4949 5285
2.4.4 Other Textiles 36243 37044 37997 38471 39789 42288
Nuclear Fuels. 34462 35016 37229 39874 41023 42067
2.9.1 Fertiliser 8387 8188 8674 8890 9492 9186
2.9.3 Petro-chemicals 6224 6461 7542 8051 7656 8779
2.9.4 Others 18460 18345 18420 19133 19286 21096
2.13.1 Iron and Steel 75370 76900 78965 71731 74609 82696
2.14 Engineering 48776 49418 50753 51196 52254 54439
2.14.1 Electronics 14362 14245 15214 15635 15371 15843
2.14.2 Others 34414 35173 35539 35561 36883 38596
2.16 Gems & Jewellery 24057 24178 24706 24074 24624 25101
2.17 Construction 20812 21451 21917 22649 23570 27946
2.18 Infrastructure 163201 163860 171596 181150 191149 205336
2.18.1 Power* 83525 83140 85642 84999 89125 95075
2.18.3 Roads & Ports 30396 30093 31293 31924 33705 34476

74
TABLE 5.7: INDUSTRY-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Contd.)
Industry April May June July August September
2008 2008 2008 2008 2008 2008
(13) (14) (15) (16) (17) (18)
2.2 Food Processing 50635 50493 51912 50775 50394 50802
2.2.1 Sugar 16553 16768 16594 16816 16148 15891
2.2.3 Tea 2326 2243 2242 2214 2249 2285
2.2.4 Others 24049 23791 25848 25227 25670 26339
2.4 Textiles 95182 93916 97104 96611 96997 100799
2.4.1 Cotton Textiles 47330 46720 47719 47058 48172 48370
2.4.2 Jute Textiles 1046 1059 1081 1177 1223 1355
2.4.3 Man-made Textile 4569 4833 4859 4871 5144 5063
2.4.4 Other Textiles 42237 41304 43445 43505 42458 46010
Nuclear Fuels. 43927 47289 46400 50367 60934 73287
2.9.1 Fertiliser 9370 10021 10869 9096 10715 15480
2.9.3 Petro-chemicals 9131 9871 7689 8294 8534 9376
2.9.4 Others 22249 22547 23160 23789 24440 25286
2.13.1 Iron and Steel 79423 78834 85015 85877 88268 92562
2.14 Engineering 52306 52551 55279 55217 56542 62381
2.14.1 Electronics 16680 16543 17510 16916 17559 21103
2.14.2 Others 35626 36008 37769 38301 38983 41278
2.16 Gems & Jewellery 24526 24826 25358 25935 27251 28411
2.17 Construction 27261 26082 29814 30450 31067 32901
2.18 Infrastructure 200873 203331 197116 203267 209366 217828
2.18.1 Power* 92881 93844 93888 95640 98112 103988
2.18.3 Roads & Ports 33334 32814 34791 36156 36725 38100

75
TABLE 5.7: INDUSTRY-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Concld.)
Industry October November December January February March
2008 2008 2008 2009 2009 2009
(19) (20) (21) (22) (23) (24)
2.2 Food Processing 50234 50646 52660 51704 53855 53779
2.2.1 Sugar 16080 15938 16615 17030 17809 17309
2.2.3 Tea 2336 2380 2398 2328 2738 2731
2.2.4 Others 25118 25201 26555 25657 26269 26976
2.4 Textiles 100469 100518 102007 102699 103732 102695
2.4.1 Cotton Textiles 48490 49834 50514 51268 51338 51307
2.4.2 Jute Textiles 1431 1386 1433 1480 1501 1469
2.4.3 Man-made Textile 5107 5153 5288 6054 6293 6398
2.4.4 Other Textiles 45440 44145 44772 43897 44600 43521
Nuclear Fuels. 76724 87249 79886 73198 72762 68147
2.9.1 Fertiliser 19009 13967 13359 11014 12629 14265
2.9.3 Petro-chemicals 8802 8466 8046 7817 8259 8782
2.9.4 Others 25890 25333 24896 24284 23232 22753
2.13.1 Iron and Steel 94513 95119 96822 98365 100383 99159
2.14 Engineering 62686 62509 63697 65378 66868 65807
2.14.1 Electronics 20712 20850 21000 19277 19768 18912
2.14.2 Others 41974 41659 42697 46101 47100 46895
2.16 Gems & Jewellery 28830 27672 28127 27742 27242 28537
2.17 Construction 32707 34309 34920 38977 38207 38505
2.18 Infrastructure 222987 227038 237313 242858 256860 269972
2.18.1 Power* 107033 108174 112058 112967 117827 124447
2.18.3 Roads & Ports 38302 39123 40734 43551 43726 47060

76
TABLE 6.1 : DISTRIBUTION OF SELECT ITEMS OF SCHEDULED COMMERCIAL BANKS’
ADVANCES TO PRIORITY SECTOR - 2008
As on the last reporting Friday of March
Agriculture and Alled Activities

State/Union Territories Direct Indirect Total
No. of Balance No. of Balance No. of Balance
(1) (2) (3) (4) (5) (6)
Northern Region 2908264 41102 52604 28528 2960868 69630

Delhi 24082 6978 7553 13663 31635 20641
Punjab 805285 12094 22330 4145 827615 16239
Haryana 554047 8944 7698 3416 561745 12359
Chandigarh 9070 804 381 2917 9451 3721
Jammu & Kashmir 54009 603 2533 336 56542 940
Himachal Pradesh 173672 1205 1793 291 175465 1496
Rajasthan 1288099 10473 10316 3760 1298415 14233
North-Eastern Region 426467 2225 7534 211 434001 2436

Assam 274415 1365 6101 149 280516 1514
Meghalaya 37295 91 258 37 37553 128
Mizoram 13131 293 - - 13131 293
Arunachal Pradesh 1387 26 35 3 1422 28
Nagaland 21527 143 470 5 21997 148
Manipur 20919 110 220 2 21139 112
Tripura 57793 198 450 15 58243 213
Eastern Region 3571196 19604 84893 7156 3656089 26760

Bihar 1153210 5143 20366 514 1173576 5657
Jharkhand 418382 1331 5453 133 423835 1464
West Bengal 1063664 8646 42652 5459 1106316 14105
Orissa 925164 4435 16322 1029 941486 5464
Sikkim 8979 40 43 21 9022 61
Andaman& Nicobar 1797 10 57 - 1854 10
Central Region 5895698 38736 59941 7252 5955639 45988

Uttar Pradesh 4003006 22355 37987 4307 4040993 26661
Uttarakhand 278281 1968 3245 233 281526 2201
Madhya Pradesh 1361514 12479 15731 2044 1377245 14523
Chattisgarh 252897 1934 2978 670 255875 2603
Western Region 2926286 33302 49042 28311 2975328 61613

Gujarat 1081002 10576 17015 3610 1098017 14185
Maharashtra 1824233 22484 30647 24611 1854880 47095
Daman &Diu 108 1 5 1 113 2
Goa 20111 234 1369 89 21480 323
Dadra & Nagar Haveli 832 7 6 - 838 7
Southern Region 14495101 79675 240169 21985 14735270 101659

Andhra Pradesh 5534752 26132 35822 6788 5570574 32920
Karnataka 2015793 17781 47637 5276 2063430 23057
Lakshadweep 773 2 1 - 774 2
Tamilnadu 5264249 24505 50023 6469 5314272 30974
Kerala 1610172 10801 106195 3428 1716367 14229
Puducherry 69362 453 491 24 69853 477
All India 30223012 214644 494183 93443 30717195 308087
Source : Half yearly returns on advances to priority sectors, Rural Planning and Credit Department, RBI.
77
ADVANCES TO PRIORITY SECTOR - 2008 (Contd.)
Total advances to Of total advances to SE, Of total advances to SE,
State/Union Territories Small Enterprises (SE) advances to manufacturing advances to service
enterprises enterprises
(7) (8) (9) (10) (10) (11)
Northern Region 777515 45109 285028 29117 455233 12238

Delhi 111002 14454 35647 9518 74042 3527
Punjab 192735 10343 90562 7379 96962 2489
Haryana 108103 6322 43590 4871 62169 1297
Chandigarh 13852 1528 4672 1051 8876 327
Jammu & Kashmir 82359 2719 25206 876 54724 1825
Rajasthan 216762 8486 65026 4617 126654 2416

Assam 89268 1525 45261 980 40481 473
Meghalaya 10758 182 4925 106 5922 94
Mizoram 594 17 192 14 433 12
Nagaland 1674 48 552 18 976 27
Manipur 4072 59 2621 49 1250 9
Tripura 10299 147 5714 95 4575 52
Eastern Region 787600 19919 370719 12731 389762 6377

Bihar 145130 1373 57051 645 79010 685
Jharkhand 91881 1945 34001 1191 53449 648
West Bengal 366035 13222 219511 9050 137338 3579
Orissa 171494 3203 58612 1776 108538 1373
Sikkim 9953 110 848 48 9034 59
Andaman& Nicobar 3107 65 696 22 2393 32
Central Region 717905 22227 289669 15029 405212 7139

Uttar Pradesh 392797 12661 180848 8939 193465 3319
Uttarakhand 47980 1384 19975 895 27726 460
Madhya Pradesh 203436 5939 63176 3807 137014 2502
Chattisgarh 73692 2244 25670 1388 47007 858
Western Region 734924 64632 210734 36651 507655 18311

Gujarat 230791 12894 70617 9861 155794 2815
Maharashtra 486728 50766 137318 26335 337558 15000
Daman &Diu 387 44 148 38 239 6
Goa 16420 879 2374 379 13749 479
Dadra & Nagar Haveli 598 49 277 38 315 11
Southern Region 1710964 59604 570094 37056 1099199 19748

Andhra Pradesh 379783 13717 105926 8623 247453 4012
Karnataka 405800 12066 92841 6856 308155 5032
Lakshadweep 399 8 40 - 249 2
Tamilnadu 483276 26465 191992 18262 282301 6698
Kerala 434587 7029 177881 3157 255922 3932
Puducherry 7119 319 1414 158 5119 73
All India 4851153 213539 1788036 131889 2913682 64505
78
Of total advances to SE, Loans to artisans, village & Of total advances to SE,
State/Union Territories Term loans cottage industries credit limit advances to units in Khadi
not exceeding Rs 50000 & village Industries
(13) (14) (15) (16) (17) (18)
Northern Region 45162 3254 58056 1601 19865 744

Delhi 7384 1280 893 89 481 138
Punjab 12107 502 6036 207 5332 193
Haryana 5450 252 2740 202 3390 215
Chandigarh 686 129 94 3 125 8
Jammu & Kashmir 483 5 7474 254 3404 27
Rajasthan 17743 997 31755 546 5410 118

Assam 16213 219 11335 481 6588 116
Meghalaya 105 4 297 21 247 4
Mizoram 140 3 10 - 39 2
Nagaland 415 9 992 58 1303 15
Manipur 571 12 268 18 169 3
Tripura 250 5 945 40 251 4
Eastern Region 76310 1744 200002 4112 45248 466

Bihar 14793 92 59284 826 14423 50
Jharkhand 8212 231 12087 391 5078 95
West Bengal 22978 996 105138 1530 14968 219
Orissa 30252 413 23217 1341 10533 97
Sikkim 4 - 146 9 193 5
Andaman& Nicobar 71 11 130 16 53 1
Central Region 92209 1964 103225 2396 27113 588

Uttar Pradesh 62712 1093 48877 1201 16618 398
Uttarakhand 1681 104 4107 280 2221 33
Madhya Pradesh 22210 595 44211 436 4468 123
Chattisgarh 5606 172 6030 479 3806 34
Western Region 87716 9348 38065 1541 19979 1837

Gujarat 28584 1379 22714 709 10378 657
Maharashtra 55121 7798 14958 823 9364 1173
Daman &Diu 61 24 - - - -
Goa 3737 135 378 9 231 6
Dadra & Nagar Haveli 213 12 15 - 6 -
Southern Region 288158 9869 170048 4041 52751 1619

Andhra Pradesh 101974 2773 61630 2492 28009 683
Karnataka 49243 1790 35403 403 6230 133
Lakshadweep 24 - 19 - 16 -
Tamilnadu 68227 3825 21440 634 12499 686
Kerala 66627 1441 51378 510 5749 110
Puducherry 2063 40 178 1 248 7
All India 607402 26432 583919 14347 173837 5403
79
Loans granted to Micro credit (other than loans Total advances to weaker
State/Union Territories Retail Trade granted to SHGs/JLGs ) sections in priority sector
(19) (20) (21) (22) (23) (24)
Northern Region 586454 10350 55905 331 2389531 22142

Delhi 59573 1889 5241 94 20993 959
Punjab 117338 2413 8615 60 582263 6735
Haryana 105617 1695 10024 70 411557 4270
Chandigarh 8526 358 487 4 23254 1362
Jammu & Kashmir 64410 1203 1283 6 121347 1032
Rajasthan 198081 2202 29114 93 1059600 6529

Assam 75239 823 12265 65 318795 1266
Meghalaya 5827 86 600 3 31885 236
Mizoram 432 24 50 2 6374 93
Nagaland 2335 71 303 10 23039 158
Manipur 2546 41 1306 13 21551 172
Tripura 16196 162 698 8 44443 190
Eastern Region 704339 8692 72921 394 3147926 15248

Bihar 183039 1767 32496 66 913842 3279
Jharkhand 85303 1031 10827 52 541219 1953
West Bengal 271517 4036 16020 167 885859 5743
Orissa 156000 1756 12715 107 772925 4045
Sikkim 6513 50 857 2 27592 173
Andaman& Nicobar 1967 52 6 - 6489 55
Central Region 724983 8017 130916 461 4238118 24453

Uttar Pradesh 428777 4752 72271 255 2848175 14423
Uttarakhand 38045 630 5734 18 218924 1470
Madhya Pradesh 210924 2071 43194 166 931036 7108
Chattisgarh 47237 563 9717 22 239983 1452
Western Region 449492 7806 154795 810 2099682 15129

Gujarat 139280 1822 47958 278 781198 5115
Maharashtra 298488 5783 105372 516 1296373 9767
Daman &Diu 140 3 22 - 79 -
Goa 11360 195 1433 16 20980 241
Southern Region 1212199 12963 305208 3285 10395681 49733

Andhra Pradesh 310789 2824 92932 1702 3952401 16220
Karnataka 307805 2685 61158 522 1612823 10252
Lakshadweep 1261 6 8 - 6891 37
Tamilnadu 350772 4951 107246 756 3588567 16719
Kerala 233361 2411 40593 296 1201443 6340
Puducherry 8211 86 3271 9 33556 166
All India 3781409 49087 736555 5388 22727347 128892
80
Total loans Loans to SC/ST Loans granted to SSO for

State/Union Territories for Education beneficiaries onlending to SC/STs
(25) (26) (27) (28) (29) (30)
Northern Region 108062 2424 878652 5770 2154 8

Delhi 24328 711 12501 352 99 1
Punjab 22370 515 191973 1344 371 1
Haryana 19576 410 114495 554 687 2
Chandigarh 4526 120 7977 71 5 -
Jammu & Kashmir 4242 89 31040 159 500 2
Rajasthan 27556 484 413308 2494 292 2
North-Eastern Region 9058 195 261356 929 - -

Assam 6841 147 190678 463 - -
Meghalaya 573 13 15865 130 - -
Mizoram 18 - 5419 85 - -
Arunachal Pradesh 113 2 6431 40 - -
Nagaland 155 5 5251 83 - -
Manipur 704 18 8484 60 - -
Tripura 654 11 29228 69 - -
Eastern Region 116627 2049 1612303 4773 11062 11

Bihar 23110 420 402965 1074 617 3
Jharkhand 18787 369 275058 775 238 -
West Bengal 42220 732 495623 1623 9578 6
Orissa 31655 512 425133 1218 460 1
Sikkim 664 11 10890 74 169 -
Andaman& Nicobar 191 5 2634 8 - -
Central Region 133264 2221 1864585 8139 4609 16

Uttar Pradesh 68655 1206 967171 3765 2180 12
Uttarakhand 12417 215 125507 558 259 1
Madhya Pradesh 43850 669 575789 3015 1138 3
Chattisgarh 8342 132 196118 801 1032 -
Western Region 121903 2571 673375 5108 1818 9

Gujarat 33899 774 309020 1702 79 1
Maharashtra 85885 1752 361612 3388 1737 9
Daman &Diu 26 1 34 - - -
Goa 2027 42 1974 15 2 -
Dadra & Nagar Haveli 66 2 735 3 - -
Southern Region 758169 10798 2586208 9658 2896 63

Andhra Pradesh 166493 2977 983451 2658 2020 58
Karnataka 113403 1753 444363 2404 521 2
Lakshadweep 15 - 3609 21 - -
Tamilnadu 314923 3592 831573 3281 202 2
Kerala 157277 2415 319069 1275 153 1
Puducherry 6058 61 4143 18 - -
All India 1247083 20258 7876479 34376 22539 107
81
Advance to Loans to Food & agro
State/Union Territories Total Housing loans Self Help Groups based processing units with
invest. In P& M upto 10 crs.
(31) (32) (33) (34) (35) (36)
Northern Region 607571 34921 52406 560 4186 3041

Delhi 122866 14479 242 1 459 662
Punjab 144544 6473 4318 47 1602 1218
Haryana 89034 3945 6734 122 1186 768
Chandigarh 25461 2215 787 2 40 211
Jammu & Kashmir 26512 718 1167 17 449 43
Rajasthan 164794 6105 28628 183 375 115

Assam 52592 1013 22839 288 247 40
Meghalaya 7844 125 241 6 18 -
Mizoram 311 15 1 - - -
Arunachal Pradesh 4189 67 65 3 - -
Nagaland 2685 55 500 50 2 1
Manipur 5891 149 1119 7 16 -
Tripura 7967 180 2394 22 19 3
Eastern Region 630871 14892 123071 2801 2529 1055

Bihar 73296 1065 13344 145 385 95
Jharkhand 42910 1083 7782 101 134 15
West Bengal 319757 9516 55458 852 1272 851
Orissa 184985 2942 45792 1680 722 94
Sikkim 8121 247 663 22 16 -
Andaman& Nicobar 1802 40 32 1 - -
Central Region 565059 17938 86924 1142 4650 1666

Uttar Pradesh 300737 10442 55516 705 3041 881
Uttarakhand 57334 1250 7298 117 240 99
Madhya Pradesh 163481 4706 17672 224 916 565
Chattisgarh 43507 1539 6438 97 453 121
Western Region 877101 65985 65361 652 3282 3977

Gujarat 223289 9562 9507 92 1009 786
Maharashtra 640419 55916 55210 555 2245 3172
Daman &Diu 243 8 48 - - -
Goa 12539 480 559 5 28 19
Dadra & Nagar Haveli 611 18 37 - - -
Southern Region 1460210 65863 648656 10892 84365 4209

Andhra Pradesh 403229 15759 311273 3142 4286 2192
Karnataka 341340 19361 94551 1072 2564 507
Lakshadweep 105 3 - - - -
Tamilnadu 357134 18517 186480 5650 8867 538
Kerala 353342 12037 51687 990 68497 962
Puducherry 5060 184 4665 38 151 11
All India 4222291 201204 1003577 16424 99314 13993
82
ADVANCES TO PRIORITY SECTOR - 2008 (Concld.)
Export Credit Export Credit Total Export** Total Priority sector
State/Union Territories to SE to Non - SE Credit advances
No. of Balance No. of Balance No. of Balance No. of Balance
Accounts Outstanding Accounts Outstanding Accounts Outstanding Accounts Outstanding
(37) (38) (39) (40) (41) (42) (43) (44)
Northern Region 42 196 495 5160 537 5356 5099024 167932

Delhi 37 191 439 4922 476 5113 355183 57191
Punjab 1 1 24 114 25 115 1313612 36158
Haryana 1 3 12 74 13 77 894798 24877
Chandigarh - - 8 10 8 10 62316 7956
Jammu & Kashmir - - - - - - 235848 5678
Himachal Pradesh - - - - - - 302241 4426
Rajasthan 3 1 12 40 15 41 1935026 31645
North-Eastern Region - - - - - - 767535 7651

Assam - - - - - - 516721 5088
Meghalaya - - - - - - 63155 536
Mizoram - - - - - - 14536 351
Arunachal Pradesh - - - - - - 14259 225
Nagaland - - - - - - 29149 337
Manipur - - - - - - 35658 392
Tripura - - - - - - 94057 722
Eastern Region 8 35 191 1317 199 1352 5979700 74034

Bihar - - - - - - 1631264 10351
Jharkhand - - - - - - 673781 5944
West Bengal 8 35 190 1317 198 1352 2131633 43100
Orissa - - 1 - 1 - 1498796 13986
Sikkim - - - - - - 35299 480
Andaman& Nicobar - - - - - - 8927 172
Central Region 1 - 32 101 33 101 8232407 96970

Uttar Pradesh - - 23 70 23 70 5306433 56060
Uttarakhand - - - - - - 443295 5699
Madhya Pradesh 1 - 9 31 10 31 2043277 28107
Chattisgarh - - - - - - 439402 7104
Western Region 142 1523 975 13530 1117 15054 5316336 216958
Gujarat 5 19 88 536 93 556 1773401 40053
Maharashtra 137 1504 887 12994 1024 14498 3474396 174832
Daman &Diu - - - - - - 931 58
Goa - - - - - - 65261 1936
Dadra & Nagar Haveli - - - - - - 2347 80
Southern Region 30 97 455 6995 486 7092 20185371 261229

Andhra Pradesh - - 37 712 37 712 6925857 70669
Karnataka 9 28 142 3805 151 3833 3293599 63252
Lakshadweep - - - - - - 2562 20
Tamilnadu 21 69 261 2405 283 2474 6928086 87663
Kerala - - 15 73 15 73 2935695 38490
Puducherry - - - - - - 99572 1135
All India 223 1852 2148 27103 2372 28954 45580373 824773
Note : ** Applicable only for Foreign Banks

83
TABLE 6.2 : STATE-WISE DISTRIBUTION OF OUTSTANDING ADVANCES OF SCHEDULED
COMMERCIAL BANKS TO AGRICULTURE - 2008
As on the last Friday of March
Agriculture and Alled Activities

Region/State/Union Territory Direct Indirect Total
(1) (2) (3) (4) (5) (6)
Northern Region 2908264 41102 52604 28528 2960868 69630

Delhi 24082 6978 7553 13663 31635 20641
Punjab 805285 12094 22330 4145 827615 16239
Haryana 554047 8944 7698 3416 561745 12359
Chandigarh 9070 804 381 2917 9451 3721
Jammu & Kashmir 54009 603 2533 336 56542 940
Rajasthan 1288099 10473 10316 3760 1298415 14233

Assam 274415 1365 6101 149 280516 1514
Meghalaya 37295 91 258 37 37553 128
Mizoram 13131 293 - - 13131 293
Nagaland 21527 143 470 5 21997 148
Manipur 20919 110 220 2 21139 112
Tripura 57793 198 450 15 58243 213
Eastern Region 3571196 19604 84893 7156 3656089 26760

Bihar 1153210 5143 20366 514 1173576 5657
Jharkhand 418382 1331 5453 133 423835 1464
West Bengal 1063664 8646 42652 5459 1106316 14105
Orissa 925164 4435 16322 1029 941486 5464
Sikkim 8979 40 43 21 9022 61
Andaman& Nicobar 1797 10 57 - 1854 10
Central Region 5895698 38736 59941 7252 5955639 45988

Uttar Pradesh 4003006 22355 37987 4307 4040993 26661
Uttarakhand 278281 1968 3245 233 281526 2201
Madhya Pradesh 1361514 12479 15731 2044 1377245 14523
Chattisgarh 252897 1934 2978 670 255875 2603
Western Region 2926286 33302 49042 28311 2975328 61613

Gujarat 1081002 10576 17015 3610 1098017 14185
Maharashtra 1824233 22484 30647 24611 1854880 47095
Daman &Diu 108 1 5 1 113 2
Goa 20111 234 1369 89 21480 323
Southern Region 14495101 79675 240169 21985 14735270 101659

Andhra Pradesh 5534752 26132 35822 6788 5570574 32920
Karnataka 2015793 17781 47637 5276 2063430 23057
Lakshadweep 773 2 1 - 774 2
Tamilnadu 5264249 24505 50023 6469 5314272 30974
Kerala 1610172 10801 106195 3428 1716367 14229
Puducherry 69362 453 491 24 69853 477
All India 30223012 214644 494183 93443 30717195 308087
84
COMMERCIAL BANKS TO AGRICULTURE - 2008 (Contd.)
Loans to Loans to corporates, Loans to corporates, Loans granted to
Region/State/ individual farmers partnership firms, credit partnership firms, credit pre & post
Union Territory limit upto Rs. 1 cr. limit above Rs. 1 cr. harvest activities
(7) (8) (9) (10) (11) (12) (13) (14)
Northern Region 2724773 31781 64674 6521 1106 9234 196586 2121
Delhi 21821 1932 2706 4749 249 5013 1212 522
Punjab 727811 10270 30997 642 188 891 54268 518
Haryana 455432 6723 13535 561 302 1154 25437 249
Chandigarh 32344 491 875 184 80 1059 621 4
Jammu & Kashmir 52562 595 538 50 3 - 4 -
Rajasthan 1282220 10550 3822 257 278 902 93492 822
North-Eastern Region 371045 1289 14415 656 55 100 3692 14

Assam 231609 912 5589 279 54 100 3334 12
Meghalaya 35695 61 183 25 - - 38 -
Mizoram 6742 42 6389 250 - - - -
Arunachal Pradesh 855 4 54 10 1 - 28 -
Nagaland 19864 34 739 22 - - - -
Manipur 20039 96 117 10 - - 109 1
Tripura 56241 138 1344 60 - - 183 -
Eastern Region 3348952 14544 25723 1810 1790 2015 175317 539
Bihar 1131530 4322 3029 189 20 54 37901 174
Jharkhand 416702 1260 2111 73 8 8 61271 140
West Bengal 1019242 5807 14913 1292 1718 1806 32683 107
Orissa 770872 3112 5563 251 44 147 43462 118
Sikkim 8915 37 58 3 - - - -
Andaman& Nicobar 1691 7 49 3 - - - -
Central Region 5694963 35423 40705 1989 604 1321 243683 1869
Uttar Pradesh 3894781 21005 21956 866 426 688 127069 495
Uttarakhand 232986 1555 11739 70 12 21 14163 37
Madhya Pradesh 1347912 11500 5664 963 120 376 98365 1228
Chattisgarh 219284 1363 1346 91 46 236 4086 110
Western Region 2908817 22933 38156 5203 12923 6197 156492 1495
Gujarat 1159631 7129 13477 784 10226 1226 42229 421
Maharashtra 1730161 15649 22944 4351 2686 4958 113872 1067
Daman &Diu 103 1 10 1 - - - -
Goa 18164 150 1688 66 11 13 266 6
Dadra & Nagar Haveli 758 5 37 2 - - 125 1
Southern Region 14223585 70649 72517 3975 6311 8372 272657 1588
Andhra Pradesh 5481200 22822 35294 1397 2917 3118 31557 317
Karnataka 2005249 16241 4783 502 847 1735 23774 298
Lakshadweep 763 2 10 - - - - -
Tamilnadu 5116317 21453 13850 1245 2262 3100 67242 443
Kerala 1559181 9816 10167 694 284 418 149955 530
Puducherry 60875 315 8413 137 1 1 129 -
All India 29272135 176619 256190 20156 22789 27240 1048427 7626
85
COMMERCIAL BANKS TO AGRICULTURE - 2008 (Contd.)
Loans to Food & agro Agriclinics and Loans to farmers Loans to NBFCs for
Region/State/ based processing units with Agri-Business thro' PACS/FSS/LAMPS onlending to indiv. farmers
Union Territory invest. In P& M upto 10 crs. centres or their SHGs/JLGs
(15) (16) (17) (18) (19) (20) (21) (22)
Northern Region 4186 3041 762 360 535 340 45 1

Delhi 459 662 1 - - - - -
Punjab 1602 1218 146 9 189 84 8 -
Haryana 1186 768 461 345 117 249 4 -
Chandigarh 40 211 5 3 - - - -
Jammu & Kashmir 449 43 17 - 1 - - -
Himachal Pradesh 75 23 58 2 4 - - -
Rajasthan 375 115 74 1 224 6 33 1
North-Eastern Region 302 44 230 4 191 3 - -

Assam 247 40 115 1 91 1 - -
Meghalaya 18 - 7 - 10 1 - -
Mizoram - - - - - - - -
Arunachal Pradesh - - 14 2 - - - -
Nagaland 2 1 87 - 1 - - -
Manipur 16 - 3 - 82 1 - -
Tripura 19 3 4 - 7 - - -
Eastern Region 2529 1055 596 7 3247 57 326 690

Bihar 385 95 228 2 67 - 6 -
Jharkhand 134 15 38 - 527 2 1 -
West Bengal 1272 851 116 3 2539 49 13 689
Orissa 722 94 209 2 114 5 306 2
Sikkim 16 - 5 - - - - -
Andaman& Nicobar - - - - - - - -
Central Region 4650 1666 1218 55 1013 195 33 7

Uttar Pradesh 3041 881 998 43 654 75 13 1
Uttarakhand 240 99 67 1 4 - 1 6
Madhya Pradesh 916 565 71 11 335 119 19 1
Chattisgarh 453 121 82 - 20 - - -
Western Region 3282 3977 427 88 4313 110 4921 131

Gujarat 1009 786 267 85 2109 36 33 7
Maharashtra 2245 3172 159 3 2204 74 4888 124
Daman &Diu - - - - - - - -
Goa 28 19 - - - - - -
Dadra & Nagar Haveli - - 1 - - - - -
Southern Region 84365 4209 13434 734 12104 838 403 208
Andhra Pradesh 4286 2192 11867 708 11685 785 213 98
Karnataka 2564 507 352 8 224 48 27 23
Lakshadweep - - - - - - - -
Tamilnadu 8867 538 359 7 125 3 52 54
Kerala 68497 962 856 11 70 2 111 33
Puducherry 151 11 - - - - - -
All India 99314 13993 16667 1248 21403 1542 5728 1038
86
COMMERCIAL BANKS TO AGRICULTURE - 2008 (Concld.)
Loans to NGOs/MFIs for Other types of indirect
Region/State/ onlending to indiv. Farmers finance for agriculture
Union Territory or their SHGs/JLGs & allied activities
No. of Balance No. of Balance
Accounts Outstanding Accounts Outstanding
(23) (24) (25) (26)
Northern Region 286 24 34739 17628

Delhi 11 21 4870 8182
Punjab 135 1 14743 1846
Haryana 1 - 5198 1780
Chandigarh - - 244 2045
Jammu & Kashmir - - 1855 278
Himachal Pradesh - - 1793 269
Rajasthan 139 2 6036 3228
North-Eastern Region 106 2 3612 132

Assam 87 2 2720 80
Meghalaya 5 - 161 36
Mizoram - - - -
Arunachal Pradesh - - 21 1
Nagaland - - 364 3
Manipur 1 - 117 1
Tripura 13 - 229 11
Eastern Region 1002 80 61708 4129

Bihar 82 1 16322 278
Jharkhand 14 - 3042 52
West Bengal 855 67 29303 3115
Orissa 51 12 12967 663
Sikkim - - 18 20
Andaman& Nicobar - - 56 -
Central Region 423 11 32799 3524

Uttar Pradesh 332 10 18200 2047
Uttarakhand 62 - 1990 199
Madhya Pradesh 25 1 10482 863
Chattisgarh 4 - 2127 415
Western Region 5817 81 34736 9229

Gujarat 6 57 13269 2153
Maharashtra 5810 24 20140 7007
Daman &Diu - - 4 1
Goa 1 - 1320 69
Dadra & Nagar Haveli - - 3 -
Southern Region 8797 468 123077 12095

Andhra Pradesh 4526 175 24297 3319
Karnataka 2835 105 31402 2903
Lakshadweep - - 2 -
Tamilnadu 270 83 32320 4097
Kerala 1166 105 34724 1764
Puducherry - - 332 13
All India 16431 665 290671 46737
87
TABLE 6.3 : DISTRIBUTION OF OUTSTANDING ADVANCES OF PUBLIC SECTOR BANKS
TO PRIORITY SECTORS - 2009
(No. of Accounts in lakh and Amount in Rs. crore)
Total off Total Off-Total Priority Sector Advances
Adjusted Net Balance ANBC/OBE (PSA) % of PSA
Bank group / Bank Bank credit sheet whichever is to ANBC/OBE
(ANBC) Exposures higher No. of Amount
(OBE) A/Cs. Outstanding
(1) (2) (3) (4) (5) (6)
A. State Bank Group 549096 157609 549096 152.80 232532 42.35

State Bank of India 378265 81421 378265 100.23 160892 42.53
State Bank of Bikaner and Jaipur 25330 16079 25330 6.99 11122 43.91
State Bank of Hyderabad 36048 4832 36048 11.91 14788 41.02
State Bank of Indore 18356 12018 18356 4.02 10052 54.76
State Bank of Mysore 21314 3472 21314 5.74 8688 40.76
State Bank of Patiala 36724 23935 36724 4.56 13779 37.52
State Bank of Travancore 33058 15853 33058 19.35 13211 39.96
B. Nationalised Banks 1144341 790469 1144342 278.65 487235 42.58
Allahabad Bank 49720 - 49720 14.99 20435 41.10
Andhra Bank 34556 31261 34556 16.90 14955 43.28
Bank of Baroda 84503 82362 84503 17.94 39239 46.43
Bank of India 88513 122458 88513 17.89 41438 46.82
Bank of Maharashtra 29798 14539 29798 5.93 11933 40.05
Canara Bank 105952 103466 105952 34.56 48763 46.02
Central Bank of India 73619 20866 73619 18.23 28453 38.65
Corporation Bank 39186 - 39186 3.96 15436 39.39
Dena Bank 23381 3583 23381 4.09 9715 41.55
IDBI Bank Ltd. 82633 101206 82633 1.76 22738 27.52
Indian Bank 38204 11799 38204 20.50 18013 47.15
Indian Overseas Bank 57005 31366 57005 23.01 24294 42.62
Oriental Bank of commerce 54566 26704 54566 6.47 22230 40.74
Punjab National Bank 120722 96952 120722 26.28 50136 41.53
Punjab & Sind Bank 18409 3713 18409 2.28 7388 40.13
Syndicate Bank 58694 42080 58694 17.98 27445 46.76
Union Bank of India 74934 62517 74934 19.28 35747 47.70
United Bank of India 28152 5918 28152 9.21 11652 41.39
UCO Bank 49774 17057 49774 11.75 23776 47.77
Vijaya bank 32019 12624 32019 5.64 13449 42.00
Public Sector 1693437 948079 1693437 431.45 719767 42.50
Banks (A+B)
Note : Data are provisional.
Source : Half yearly return on advances to priority sectors, Rural Planning and Credit Department, RBI.
88
TABLE 6.4 : DISTRIBUTION OF OUTSTANDING ADVANCES OF PUBLIC SECTOR
BANKS TO AGRICULTURE - 2009
Total Agricultural Direct Agricultural Indirect Agricultural
Bank group / Bank Advances Advances Advances
No. of Amount No. of Amount No. of Amount
(1) (2) (3) (4) (5) (6)
A. State Bank Group 104.33 95790 102.58 73460 1.75 22329

State Bank of India 70.18 69279 69.92 52253 0.26 17026
State Bank of Bikaner and Jaipur 4.81 4828 4.81 3986 - 842
State Bank of Hyderabad 9.16 6648 9.13 4908 0.03 1740
State Bank of Indore 2.92 3343 2.90 2575 0.02 769
State Bank of Mysore 3.76 3839 3.75 2903 0.01 936
State Bank of Patiala 3.21 5040 3.19 4405 0.02 635
State Bank of Travancore 10.29 2813 8.88 2431 1.41 382
B. Nationalised Banks 189.35 202147 185.78 142320 3.57 59827
Allahabad Bank 10.43 9568 10.21 7306 0.22 2262
Andhra Bank 13.09 6834 12.99 6122 0.10 712
Bank of Baroda 11.77 16964 11.56 10466 0.21 6498
Bank of India 11.55 16301 11.33 12082 0.22 4219
Bank of Maharashtra 3.42 5144 3.39 3181 0.03 1963
Canara Bank 26.50 20144 25.43 15510 1.07 4634
Central Bank of India 11.68 13639 11.58 8835 0.10 4804
Corporation Bank 1.96 5018 1.90 2705 0.06 2313
Dena Bank 2.33 3851 2.30 2563 0.03 1288
IDBI Bank Ltd. 0.24 8311 0.22 4799 0.02 3512
Indian Bank 15.99 7598 15.94 6432 0.05 1166
Indian Overseas Bank 15.98 10817 15.84 8116 0.14 2701
Oriental Bank of commerce 3.90 8565 3.77 4823 0.13 3742
Punjab National Bank 19.51 23806 19.28 18529 0.23 5277
Punjab & Sind Bank 1.33 2969 1.30 1763 0.03 1207
Syndicate Bank 11.94 10796 11.87 8154 0.07 2641
Union Bank of India 12.54 13233 12.38 8608 0.16 4625
United Bank of India 5.61 3869 5.10 2382 0.51 1487
UCO Bank 6.55 10207 6.38 6890 0.17 3317
Vijaya bank 3.03 4513 3.01 3053 0.02 1460
Public Sector 293.68 297937 288.36 215781 5.32 82156

Banks (A+B)
89
TABLE 6.5(A) : DISTRIBUTION OF OUTSTANDING DIRECT AND INDIRECT ADVANCES OF PUBLIC SECTOR
BANKS TO SMALL ENTERPRISES - 2009
Total credit to
Small Enterprises Direct Credit to Indirect Credit to
Bank group / Bank including manufacturing Small Enterprises Small Enterprises
& services enterprises
(1) (2) (3) (4) (5) (6)
A. State Bank Group 19.17 55057 19.17 55057 - -

State Bank of India 12.55 34777 12.55 34777 - -
State Bank of Bikaner and Jaipur 0.53 2875 0.53 2875 - -
State Bank of Hyderabad 0.38 3279 0.38 3279 - -
State Bank of Indore 0.41 4791 0.41 4791 - -
State Bank of Mysore 1.23 2213 1.23 2213 - -
State Bank of Patiala 0.29 4643 0.29 4643 - -
State Bank of Travancore 3.78 2480 3.78 2480 - -
Allahabad Bank 1.87 4593 1.87 4593 - -
Andhra Bank 0.86 3341 0.86 3341 - -
Bank of Baroda 1.23 10839 1.23 10839 - -
Bank of India 2.18 15423 2.17 15243 0.01 180
Bank of Maharashtra 0.57 2658 0.57 2535 - 122
Canara Bank 3.04 16316 3.02 16143 0.02 173
Corporation Bank 0.36 3820 0.36 3781 - 39
Dena Bank 0.48 3089 0.48 3089 - -
IDBI Bank Ltd. 0.27 6794 0.27 6794 - -
Indian Bank 0.85 3844 0.85 3438 - 406
Indian Overseas Bank 0.96 6488 0.96 6488 - -
Oriental Bank of commerce 0.54 5504 0.54 5040 - 464
Punjab & Sind Bank 0.34 2139 0.34 2100 - 39
Syndicate Bank 1.58 5722 1.54 5636 0.04 86
Union Bank of India 1.93 9172 1.93 9117 - 55
United Bank of India 1.64 3224 1.64 3220 - 3
UCO Bank 1.13 7547 1.11 7308 0.02 239
Vijaya bank 0.98 4139 0.98 4139 - -
Public Sector 43.02 190968 42.90 187777 0.12 3191
Banks (A+B)
90
TABLE 6.5 (B) : DISTRIBUTION OF OUTSTANDING ADVANCES OF PUBLIC SECTOR BANKS
TO SMALL ENTERPRISES - 2009
Manufacturing Service Advances to Khadi &
Bank group / Bank Enterprises Enterprises village industries sector
(1) (2) (3) (4) (5) (6)

State Bank of Patiala 0.17 3549 0.12 1019 - 75
Allahabad Bank 0.80 3165 1.03 1245 0.04 183
Andhra Bank 0.19 2980 0.67 361 - -
Bank of Baroda 0.47 8586 0.73 2128 0.03 125
Bank of India 0.56 10927 1.60 4316 - -
Bank of Maharashtra 0.20 1649 0.35 868 0.01 18
Canara Bank 0.96 10068 2.05 6056 - 19
Dena Bank 0.22 2022 0.24 1050 0.02 17
IDBI Bank Ltd. 0.05 3159 0.21 3635 - -
Indian Bank 0.26 2474 0.56 925 0.03 39
Oriental Bank of commerce 0.25 4305 0.29 717 - 18
Punjab & Sind Bank 0.10 1256 0.24 834 - 10
Syndicate Bank 0.34 3422 1.22 2161 0.02 53
UCO Bank 0.52 3304 0.59 3709 - 295
Vijaya bank 0.20 1921 0.77 2002 0.01 217
Public Sector 18.53 130901 23.57 54307 0.78 2569
Banks (A+B)
91
TABLE 6.5(C) : DISTRIBUTION OF OUTSTANDING ADVANCES OF PUBLIC SECTOR BANKS
TO RETAIL TRADE, MICRO CREDIT AND STATE SPONSORED ORGANISATIONS - 2009
Micro Credit (other
Retail Trade than for agriculture State Sponsored
Bank group / Bank & allied activities) Organisations for SC/ST
(1) (2) (3) (4) (5) (6)

State Bank of India 3.38 8873 - - - -
State Bank of Bikaner and Jaipur 1.05 776 - - - -
State Bank of Mysore 0.07 36 - - - -
Allahabad Bank 1.37 1802 0.12 47 0.02 7
Andhra Bank 0.80 324 0.49 255 - -
Bank of Baroda 1.79 2410 0.65 463 0.01 8
Bank of India 1.78 2468 0.01 4 - 1
Bank of Maharashtra 0.61 761 0.49 101 - -
Canara Bank 1.75 2380 0.28 105 - 1
Dena Bank 0.41 433 0.36 51 - -
IDBI Bank Ltd. 0.22 253 - 194 - -
Indian Bank 0.93 912 0.46 304 - 2
Oriental Bank of commerce 0.86 1054 0.04 80 - -
Punjab National Bank 2.73 1784 0.24 104 - -
Punjab & Sind Bank 0.28 641 0.01 42 - -
Syndicate Bank 1.82 2216 0.36 197 0.01 4
United Bank of India 1.21 1004 - - 0.01 2
UCO Bank 2.11 1939 0.73 201 0.01 6
Vijaya bank 0.40 789 0.26 66 - -
Public Sector 34.16 43069 8.51 3846 0.23 423
Banks (A+B)
92
TABLE 6.5 (D) : DISTRIBUTION OF OUTSTANDING ADVANCES OF PUBLIC SECTOR BANKS TO
EDUCATION, HOUSING AND EXPORT- 2009
Education Housing Total Export Credit

Bank group / Bank No. of Amount No. of Amount No. of Amount
(1) (2) (3) (4) (5) (6)
A. State Bank Group 5.28 9469 15.52 58014 - -
State Bank of India 3.14 6182 10.98 41781 - -
State Bank of Mysore 0.23 391 0.45 2210 - -
B. Nationalised Banks 10.52 17457 20.53 98585 - -
Allahabad Bank 0.30 638 0.88 3780 - -
Andhra Bank 0.75 1391 0.91 2810 - -
Bank of Baroda 0.60 1165 1.89 7390 - -
Bank of India 0.75 1324 1.62 5917 - -

Canara Bank 1.47 2301 1.52 7516 - -
Central Bank of India 0.53 811 1.40 5971 - -
Corporation Bank 0.32 664 0.73 5025 - -
Dena Bank 0.13 241 0.38 2050 - -

IDBI Bank Ltd. 0.03 52 1.00 7133 - -
Indian Bank 1.28 1591 0.99 3762 - -
Oriental Bank of commerce 0.36 770 0.77 6257 - -
Punjab National Bank 0.93 1611 1.50 7173 - -
Punjab & Sind Bank 0.06 179 0.26 1418 - -
Syndicate Bank 0.81 1150 1.46 7360 - -
Union Bank of India 0.53 957 1.53 8937 - -
United Bank of India 0.20 344 0.54 3209 - -
UCO Bank 0.28 490 0.94 3386 - -
Vijaya bank 0.24 431 0.73 3511 - -
Public Sector 15.80 26925 36.05 156599 - -

Banks (A+B)
93
TABLE 6.6 : DISTRIBUTION OF OUTSTANDING ADVANCES OF PUBLIC SECTOR BANKS UNDER
DIFFERENTIAL RATES OF INTEREST ( DRI ) SCHEME AND TO THE WEAKER SECTIONS - 2009
Total Weaker Of which to Specified Advances under
Bank group / Bank Sections Minority communities DRI Scheme
(1) (2) (3) (4) (5) (6)

State Bank of Bikaner and Jaipur 4.47 2709 0.09 29 0.30 36
State Bank of Patiala 2.12 3323 0.05 77 0.02 3
Allahabad Bank 8.43 5010 3.82 2668 0.26 21
Andhra Bank 9.82 4891 0.45 201 0.05 3
Bank of Baroda 9.55 8156 0.84 865 0.04 87
Bank of India 13.83 10314 2.61 4587 0.03 4
Canara Bank 21.92 10809 2.59 1076 0.17 48
Dena Bank 2.05 1462 - 1 0.03 4
IDBI Bank Ltd. 0.35 1469 0.09 162 - -
Indian Bank 10.53 4059 1.16 599 0.12 11
Indian Overseas Bank 7.49 6238 1.79 3204 0.26 24
Oriental Bank of commerce 3.10 2984 0.21 159 0.01 116
Punjab & Sind Bank 1.30 1670 0.32 273 - -
Syndicate Bank 10.98 6218 1.72 272 0.01 2
UCO Bank 5.88 5520 0.93 2761 0.10 22
Vijaya bank 3.02 3045 0.40 436 0.02 3
Public Sector 241.01 167041 28.72 30116 3.11 753
Banks (A+B)
94
TABLE 7.1 : BANK GROUP-WISE CLASSIFICATION OF LOAN ASSETS
OF SCHEDULED COMMERCIAL BANKS - 2004 TO 2009
As on March 31
Standard Sub-Standard Doubtful
Bank group / Years Assets Assets Assets
Amount Per cent Amount Per cent Amount Per cent
share share share
(1) (2) (3) (4) (5) (6)
Public Sector Banks
2004 610435 92.2 16909 2.6 28756 4.3
2005 824253 94.6 10838 1.2 29988 3.4
2006 1029493 96.1 11394 1.1 24804 2.3
2007 1335175 97.2 14147 1.0 19944 1.5
2008 1656585 97.7 16870 1.0 19167 1.1
2009 2059725 97.9 19521 0.9 20715 1.0
Indian Private Banks
2004 167076 94.2 3127 1.8 6391 3.6
2005 216448 96.1 2213 1.0 5578 2.5
2006 296020 97.4 2396 0.8 4438 1.5
2007 382630 97.6 4368 1.1 3930 1.0
2008 459370 97.3 7280 1.5 4452 0.9
2009 502768 96.8 10526 2.0 5017 1.0
Foreign Banks
2004 59619 95.2 990 1.6 1099 1.8
2005 72963 97.0 714 0.9 974 1.3
2006 96772 97.9 946 1.0 698 0.7
2007 125415 98.1 1367 1.1 631 0.5
2008 159882 98.1 1963 1.2 768 0.5
2009 162415 95.7 5879 3.5 1004 0.6
All Scheduled Commercial Banks
2004 837129 92.8 21025 2.3 36247 4.0
2005 1113664 95.1 13765 1.2 36540 3.1
2006 1422285 96.5 14736 1.0 29940 2.0
2007 1843220 97.3 19882 1.1 24505 1.3
2008 2275837 97.6 26113 1.1 24387 1.0
2009 2724908 97.6 35926 1.3 26736 1.0
Source : Off-site returns (domestic & provisional) of banks, Department of Banking Supervision, RBI.
95
TABLE 7.1 : BANK GROUP-WISE CLASSIFICATION OF LOAN ASSETS
OF SCHEDULED COMMERCIAL BANKS - 2004 TO 2009 (Concld.)
As on March 31
Loss Assets Gross NPAs Total Advances
Bank group / Years Amount Per cent Amount Per cent
share share
(7) (8) (9) (10) (11)
{=(3)+(5)+(7)} {=(4)+(6)+(8)} {=(1)+(3)+(5)+(7)}
Public Sector Banks
2004 5876 0.9 51541 7.8 661976
2005 5771 0.7 46597 5.4 870850
2006 5181 0.5 41379 3.9 1070872
2007 4510 0.3 38602 2.8 1373777
2008 3712 0.2 39749 2.3 1696334
2009 3803 2.0 44039 2.1 2103763
Indian Private Banks
2004 825 0.5 10343 5.8 177419
2005 900 0.4 8691 3.9 225139
2006 940 0.3 7774 2.6 303794
2007 941 0.2 9240 2.4 391869
2008 1244 0.3 12976 2.7 472345
2009 1345 0.3 16887 3.2 519656
Foreign Banks
2004 924 1.5 3013 4.8 62632
2005 569 0.8 2257 3.0 75220
2006 446 0.5 2090 2.1 98862
2007 454 0.4 2452 1.9 127867
2008 387 0.2 3117 1.9 163000
2009 416 0.2 7229 4.3 169714
All Scheduled Commercial Banks
2004 7625 0.8 64897 7.2 902026
2005 7241 0.6 57546 4.9 1171210
2006 6567 0.4 51243 3.5 1473528
2007 5905 0.3 50292 2.7 1893512
2008 5343 0.2 55843 2.4 2331677
2009 5564 0.2 68226 2.4 2793132
96
TABLE 7.2 : COMPOSITION OF NPAs OF PUBLIC SECTOR BANKS - 2001 TO 2009
As on March 31
Priority Non-priority Public Total
Bank group / Years Sector Sector Sector
Amount Per cent Amount Per cent Amount Per cent Amount
share share share
(1) (2) (3) (4) (5) (6) (7)
A. State Bank of India and its Associates
2001 8928 44.2 10050 49.8 1213 6.0 20191
2002 8977 47.0 9628 50.4 490 2.6 19096
2003 8053 47.5 8379 49.4 526 3.1 16959
2004 7136 47.1 7803 51.5 220 1.5 15159
2005 7017 47.4 7624 51.5 168 1.1 14809
2006 7250 55.0 5819 44.1 125 0.9 13193
2007 7175 57.1 5193 41.4 188 1.5 12556
2008 8902 58.5 6222 40.9 97 0.6 15221
2009 8447 47.3 9250 51.8 177 1.0 17874
B. Nationalised Banks
2001 15228 46.2 17257 52.3 498 1.5 32983
2002 16173 45.7 18777 53.1 413 1.2 35363
2003 16886 47.1 18402 51.3 561 1.6 35849
2004 16705 47.7 17895 51.1 390 1.1 34990
2005 14909 48.4 15626 50.7 277 0.9 30812
2006 15124 53.7 12845 45.6 216 0.8 28185
2007 15779 60.6 9965 38.3 302 1.2 26046
2008 16385 66.8 7941 32.4 202 0.8 24528
2009 15871 60.6 10001 38.2 297 1.1 26169
C. Public Sector Banks (A+B)
2001 24156 45.4 27307 51.4 1711 3.2 53174
2002 25150 46.2 28405 52.2 903 1.7 54458
2003 24939 47.2 26781 50.7 1087 2.1 52807
2004 23841 47.5 25698 51.2 610 1.2 50149
2005 21926 48.1 23249 51.0 444 1.0 45619
2006 22374 54.1 18664 45.1 341 0.8 41378
2007 22954 59.5 15158 39.3 490 1.3 38602
2008 25287 63.6 14163 35.6 299 0.8 39749
2009 24318 55.2 19251 43.7 474 1.1 44043
97
TABLE 8.1 : INVESTMENTS OF SCHEDULED COMMERCIAL BANKS - 2006 TO 2008
As on March 31
Items 2006 2007 2008

Amount Per cent Amount Per cent Amount Per cent
share share share
(1) (2) (3) (4) (5) (6)
I. Investments by offices in India 840376 98.3 919993 97.9 1147508 98.8
A. Indian Government Securities 661518 77.4 735082 78.3 924376 79.6
1. Central Government 547897 64.1 618456 65.8 772565 66.5
2. State Governments 113622 13.3 116625 12.4 151811 13.1
3. Others * - - - - - -
B. Other domestic securities, 176157 20.6 184045 19.6 222367 19.1
bonds, shares, etc.
1. Other trustee securities 14994 1.8 14967 1.6 11557 1.0

(excluding units of UTI)
2. Fixed Deposits 15779 1.8 14987 1.6 17121 1.5
3. Shares and Debentures of Joint 91093 10.7 83818 8.9 91498 7.9
Stock Companies (market value)
4. Initial contribution to Share 3 - 5 - 3 -

Capital of UTI
5. Units of UTI 29 - 29 - 33 -
6. Certificate of Deposits and 8457 1.0 18969 2.0 34313 3.0

Commercial Papers
7. Mutual Funds 11455 1.3 10083 1.1 23493 2.0
8. Others @ 34347 4.0 41187 4.4 44349 3.8
C. Foreign Securities 2701 0.3 866 0.1 765 0.1
1. Foreign Governments’ Securities - - - - - -
2. Other Foreign Investments 2701 0.3 866 0.1 765 0.1
II. Investments by Foreign Offices of 14281 1.7 19346 2.1 14315 1.2
Indian Banks
1. Indian Securities 132 - - - - -
2. Foreign Countries Securities 2583 0.3 3896 0.4 2423 0.2
3. Other Investments 11566 1.4 15450 1.6 11892 1.0
Total 854657 100.0 939339 100.0 1161822 100.0

Notes : * Includes Postal Savings Deposits Certificates and Other Postal Obligations.
@ Includes Investments in Debentures & Bonds of Quasi-Government bodies, Venture Capital Funds, etc.
Source : Reserve Bank of India Bulletin, July 2009.
98
GRAPH - 6
COMPOSITION OF INVESTMENTS OF SCHEDULED COMMERCIAL BANKS -
2007 AND 2008
(As on March 31)
2007
Central Government
11.2% Securities
8.9% State Government Securities
1.6%
Other T rustee Securities
12.4% Shares and Debentures of

65.8% Joint Stock Companies
Other Investments
2008
Central Government
Securities
State Government Securities

11.6%
7.9%
1.0% Other Trustee Securities
Shares and Debentures of

Joint Stock Companies
13.1%
Other Investments
66.5%
99
TABLE 8.2 : STATE-WISE DISTRIBUTION OF INVESTMENTS OF SCHEDULED COMMERCIAL BANKS IN
STATE GOVERNMENT SECURITIES AND SHARES/DEBENTURES/BONDS OF STATE ASSOCIATED
BODIES - 2007 AND 2008
As on March 31
State Govt. Regional Rural Co-operative StateElectricity
State/Union Territory Securities Bank Institutions Boards
2007 2008 2007 2008 2007 2008 2007 2008

(1) (2) (3) (4) (5) (6) (7) (8)
1. Andhra Pradesh 10922 14746 62 94 19 9 194 168

2. Arunachal Pradesh 149 219 1 1 - - - -
3. Assam 2120 2298 6 6 - - 175 175
4. Bihar 4698 4994 91 137 - - 123 138
5. Chhattisgarh 993 974 15 42 1 - 21 -
6. Goa 646 877 - - - - - -
7. Gujarat 6419 11277 29 29 22 16 343 194
8. Haryana 2796 2554 18 18 12 1 78 52
9. Himachal Pradesh 2444 3612 10 10 1 1 59 55
10. Jammu & Kashmir 1526 2888 15 21 1 1 47 48
11. Jharkhand 1458 1467 6 18 - - - -
12. Karnataka 5756 6058 46 46 - - 5 4
13. Kerala 6207 8585 3 3 - - 111 40
14. Madhya Pradesh 5597 5401 95 95 7 3 553 431
15. Maharashtra 9666 15474 45 45 17 7 381 321
16. Manipur 303 291 - - - - - -
17. Meghalaya 383 404 1 1 - - 41 34
18. Mizoram 252 272 3 3 - - - -
19. Nagaland 553 565 1 1 - - - -
20. Orissa 3925 3196 45 66 - - 24 23
21. Punjab 5043 7984 9 27 1 - 153 182
22. Rajasthan 7573 9492 64 64 3 - 199 163
23. Sikkim 151 202 - - - - - -
24. Tamil Nadu 7810 10825 3 13 10 9 301 417
25. Tripura 421 375 - - - - - -
26. Uttar Pradesh 15848 17641 139 148 - - 223 144
27. Uttarakhand 2083 2693 6 7 - - - -
28. West Bengal 10884 16109 17 40 1 1 229 200
29. Andaman & Nicobar Islands - - - - - - - -
30. Chandigarh - - - - - - - -
31. Delhi - - - - - - - -
32. Daman & Diu - - - - - - - -
33. Lakshadweep - - - - - - - -
34. Puducherry - 337 - - - - - -
35. Dadra & Nagar Haveli - - - - - - - -
Total 116625 151811 730 936 92 47 3258 2788

Notes : 1. Figures are inclusive of non-guaranteed bonds and unsecured debentures.
2. Data on State Government Securities are exclusive of loans matured but still held by the banks.
100
BODIES - 2007 AND 2008 (Contd.)
As on March 31
Municipalities, Mun. State Financial Housing Boards State Industrial
State/Union Territory Corpns. & Port Trusts Corporations Dev. Corporations
2007 2008 2007 2008 2007 2008 2007 2008

(9) (10) (11) (12) (13) (14) (15) (16)
1. Andhra Pradesh 3 51 109 78 6 5 - 18

2. Arunachal Pradesh - - - - - - - -
3. Assam - - 1 - - - - -
4. Bihar - - 85 53 - - - -
5. Chhattisgarh - - 9 5 - - - -
6. Goa - - - - - - - 12
7. Gujarat 74 63 41 35 1 1 18 25
8. Haryana - - 18 13 1 1 - -
9. Himachal Pradesh - - 2 2 - - 2 -
10. Jammu & Kashmir - - 28 30 - - - -
11. Jharkhand - - 4 - - - - -
12. Karnataka 2 - 76 93 1 1 71 71
13. Kerala 4 1 110 63 10 9 20 12
14. Madhya Pradesh - 2 103 52 14 11 7 2
15. Maharashtra 105 90 113 73 - 17 47 30
16. Manipur - - - - - - - 4
17. Meghalaya - - - - - - - -
18. Mizoram - - - - - - - 4
19. Nagaland - 1 - - - - - 5
20. Orissa - - 22 8 - - 3 1
21. Punjab 1 1 13 16 - - - -
22. Rajasthan - - 104 93 22 9 14 14
23. Sikkim - - - - - - 2 6
24. Tamil Nadu 13 36 63 48 20 16 50 39
25. Tripura - - - - - - - 2
26. Uttar Pradesh - - 266 152 - - - -
27. Uttarakhand - 11 - - - 1 - -
28. West Bengal 36 24 9 183 5 4 81 81
29. Andaman & Nicobar Islands - - - - - - - -
30. Chandigarh 2 - - - - - - -
31. Delhi - - - - 1 1 - -
32. Daman & Diu - - - - - - - -
33. Lakshadweep - - - - - - - -
34. Puducherry - - - - - - - 9
35. Dadra & Nagar Haveli - - - - - - - -
Total 239 281 1176 996 82 75 315 334

101
BODIES - 2007 AND 2008 (Concld.)
As on March 31
Road Transport Other Govt. & Quasi Total
State/Union Territory Corpn. Govt. Bodies
2007 2008 2007 2008 2007 2008

(17) (18) (19) (20) (21) (22)
1. Andhra Pradesh 5 4 146 66 11465 15239

2. Arunachal Pradesh - - - - 150 221
3. Assam - - - - 2302 2479
4. Bihar - - - - 4996 5321
5. Chhattisgarh - - - - 1039 1022
6. Goa - - 2 2 648 891
7. Gujarat 20 16 183 109 7150 11765
8. Haryana - - - 10 2922 2649
9. Himachal Pradesh 31 16 36 14 2585 3710
10. Jammu & Kashmir - - 21 23 1637 3011
11. Jharkhand - - - - 1468 1485
12. Karnataka 1 6 187 115 6143 6394
13. Kerala 27 13 60 80 6553 8805
14. Madhya Pradesh - - 6 12 6383 6009
15. Maharashtra 38 33 481 192 10892 16282
16. Manipur - - - - 303 295
17. Meghalaya - - - - 426 438
18. Mizoram - - - - 255 280
19. Nagaland - - - - 554 571
20. Orissa - - 56 - 4074 3295
21. Punjab - - 1 1 5221 8211
22. Rajasthan - - 40 50 8020 9885
23. Sikkim - - - - 153 209
24. Tamil Nadu - - 50 53 8318 11456
25. Tripura - - - - 422 377
26. Uttar Pradesh - - 3 - 16479 18084
27. Uttaranchal - - - - 2089 2712
28. West Bengal 10 - 197 95 11468 16736
29. Andaman & Nicobar Islands - - - - - -
30. Chandigarh - - - - 2 -
31. Delhi - - 21 9 23 10
32. Daman & Diu - - - - - -
33. Lakshadweep - - - - - -
34. Pondicherry - - - - - 346
35. Dadra & Nagar Haveli - - - - - -
Total 131 87 1491 831 124141 158185

102
GRAPH - 7
EARNINGS, EXPENSES AND PROFITS OF SCHEDULED
COMMERCIAL BANKS - 2003-04 TO 2008-09
(For the year ended March 31)
463835
500000
450000
368869
352481
400000
285275
350000
274714
Rs. crore
300000
220754
208733
190223
183764
250000
166355
161486
139206
200000
150000
58577
52777
100000
40863
42731
34774
31207
30399
29811
23567
24588
22278
20952
50000
0
2004 2005 2006 2007 2008 2009
Total Earnings Total Expenses Provisions & Contingencies Profit/Loss
103
GRAPH - 8
COMPOSITION OF MAJOR ITEMS IN TOTAL EARNINGS AND EXPENSES OF
SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09
2007-08 2008-09
Interest/discount
on Loans/Bills
Interest earned on
60.0% Investments 62.0%
Other Interest
Income
21.1% Commission,
8.0% 8.3% 2.5%
Exchange and
19.9%
Brokerage
Other Income 8.2% 8.0% 1.9%
Total Earnings = 368869 crore Total Earnings = 463835 crore
COMPOSITION OF MAJOR ITEMS IN TOTAL EXPENSES* OF SCHEDULED

COMMERCIAL BANKS : 2007-08 AND 2008-09
2 0 0 7 -0 8 2 0 0 8 -0 9
In t erest p aid o n
D ep o sit s
In t erest p aid o n 6 5 .3 %
6 2 .9 %
Bo rro win gs
1 3 .1 % O t h er In t erest 1 1 .8 %
E x p en ses
34
E st ablish m en t
1 4 .0 %
6 .2 % 3 .8 % E x p en ses 1 3 .5 %
O t h er E x p en ses 5 .8 % 3 .6 %
Total Earnings* = 285257 crore
*Excluding provisions and contingencies. Total Expenses* = 352481 crore
104
TABLE 9.1 BANK GROUP-WISE EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL
BANKS IN INDIA - 2007 - 08 AND 2008 - 09
For the year ended March 31
State Bank of India Nationalised Foreign
Items & its Associates Banks $ Banks
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
Number of reporting banks 8 7 20 20 28 31

I. Interest earned 70427 89196 142647 184232 24417 30322
a) Interest/discount on advances/bills 51354 65903 102746 138806 15712 20579
b) Income on Investments 16916 21030 36203 42050 7017 8748
c) Interest on balances with RBI
and other inter-Bank Funds 1407 1751 2743 2327 1380 799
d) Others 750 512 955 1049 308 196
II. Other income 11817 16072 20980 26108 10587 14891
a) Commission, exchange and brokerage 7926 9739 6874 8736 5357 6699
b) Net Profit(loss) on sale and revaluation
of investment 1519 3268 5551 7798 209 1465
c) Net Profit(loss) on sale of land,building and
other assets 11 -5 42 93 83 16
d) Net profit(loss) on exchange transactions 932 1479 2059 2833 3936 5839
e) Miscellaneous income 1429 1591 6454 6648 1002 872
Total(I+II) 82244 105268 163627 210340 35004 45213
III. Interest expended 47809 61771 101093 131677 10604 12817
a) Interest on deposits 41588 54961 91130 119352 7176 9288
b) Interest on RBI/inter-bank borrowings 3231 2901 2189 3412 2598 2743
c) Others 2990 3909 7774 8913 830 786
IV. Operating expenses 16992 20086 29670 35103 10352 12300
a) Payments to and provisions for employees 10294 12331 18366 21919 4180 4884
b) Rent, taxes and lighting 1367 1708 2338 2735 600 789
c) Printing and stationery 239 285 374 403 164 159
d) Advertisement and publicity 200 283 348 491 652 700
e) Depreciation on bank’s property 1029 994 1698 1831 347 432
f) Directors’ fees, allowances and expenses 2 2 13 17 - -
g) Auditors’ fees and expenses 152 158 315 326 4 5
h) Law charges 76 90 127 148 74 67
i) Postage, telegrams, telephones, etc. 260 327 423 499 379 433
j) Repairs and maintenance 299 226 571 722 296 313
k) Insurance 613 752 1389 1692 172 200
l) Other expenditure 2461 2930 3708 4320 3484 4318
V. Provisions and contingencies 8438 11515 15277 21064 7435 12588
Total expenses@ 64801 81857 130763 166780 20956 25117
VI. Profit (loss) during the year 9005 11896 17587 22496 6613 7508
Notes : 1 . $ Includes IDBI Bank Ltd.
2. @ : Excluding Provisions and Contingencies
105
TABLE 9.1 BANK GROUP-WISE EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL
BANKS IN INDIA - 2007 - 08 AND 2008 - 09 (Concld.)
Other Scheduled All Scheduled
Items Commercial Banks Commercial Banks
2008 2009 2008 2009
(3) (4) (5) (6)
Number of reporting banks 23 22 79 80

I. Interest earned 70990 85066 308481 388814
a) Interest/discount on advances/bills 51359 62389 221171 287678
b) Income on Investments 17816 20268 77952 92095
c) Interest on balances with RBI and
other inter-Bank Funds 1512 1368 7043 6243
d) Others 303 1041 2315 2798
II. Other income 17007 17948 60388 75021
a) Commission, exchange and brokerage 10579 11887 30734 37060
b) Net Profit(loss) on sale and revaluation
of investment 2773 2895 10053 15428
c) Net Profit(loss) on sale of land,building and
other assets 79 -2 215 103
d) Net profit(loss) on exchange transactions 943 1409 7870 11561
e) Miscellaneous income 2633 1759 11516 10869
Total(I+II) 87997 103014 368869 463835
III. Interest expended 48495 56957 208000 263219
a) Interest on deposits 39665 46588 179558 230188
b) Interest on RBI/inter-bank borrowings 2807 3574 10825 12629
c) Others 6023 6795 17617 20402
IV. Operating expenses 20268 21781 77275 89262
a) Payments to and provisions for employees 7114 8526 39954 47659
b) Rent, taxes and lighting 1596 2135 5900 7367
c) Printing and stationery 475 467 1251 1313
d) Advertisement and publicity 485 387 1684 1860
e) Depreciation on bank’s property 1420 1629 4494 4886
f) Directors’ fees, allowances and expenses 8 9 23 27
g) Auditors’ fees and expenses 24 27 494 516
h) Law charges 109 168 385 472
i) Postage, telegrams, telephones, etc. 961 913 2022 2171
j) Repairs and maintenance 1031 1229 2195 2490
k) Insurance 585 694 2759 3337
l) Other expenditure 6460 5597 16114 17164
V. Provisions and contingencies 9713 13411 40863 58577
Total expenses@ 68763 78738 285275 352481
VI. Profit (loss) during the year 9521 10865 42731 52777
Notes : 1 . $ Includes IDBI Bank Ltd.
2. @ : Excluding Provisions and Contingencies
106
TABLE 10.1 : STATE-WISE DISTRIBUTION OF EMPLOYEES OF SCHEDULED COMMERCIAL BANKS - 2008
As on March 31
State/Union Territory Officers Clerks Sub-ordinates Total
Number Share Number Share Number Share Number Share
(Per cent) (Per cent) (Per cent) (Per cent)
(1) (2) (3) (4) (5) (6) (7) (8)
Northern Region 66515 19.86 55124 16.53 28400 16.66 150039 17.89
Chandigarh 2973 0.89 1860 0.56 959 0.56 5792 0.69
Delhi 19760 5.90 15265 4.58 6338 3.72 41363 4.93
Haryana 9263 2.77 8096 2.43 3853 2.26 21212 2.53
Himachal Pradesh 2486 0.74 2511 0.75 1469 0.86 6466 0.77
Jammu & Kashmir 4066 1.21 3076 0.92 2158 1.27 9300 1.11
Punjab 14146 4.22 12783 3.83 6306 3.70 33235 3.96
Rajasthan 13821 4.13 11533 3.46 7317 4.29 32671 3.90
North-Eastern Region 6830 2.04 8113 2.43 4814 2.82 19757 2.36
Arunachal Pradesh 217 0.06 257 0.08 160 0.09 634 0.08
Assam 4644 1.39 5568 1.67 3252 1.91 13464 1.61
Manipur 200 0.06 331 0.10 158 0.09 689 0.08
Meghalaya 578 0.17 646 0.19 456 0.27 1680 0.20
Mizoram 208 0.06 216 0.06 144 0.08 568 0.07
Nagaland 329 0.10 275 0.08 196 0.11 800 0.10
Tripura 654 0.20 820 0.25 448 0.26 1922 0.23
Eastern Region 48131 14.37 56449 16.93 30565 17.93 135145 16.11
Andaman & Nicobar 118 0.04 120 0.04 61 0.04 299 0.04
Bihar 10893 3.25 10943 3.28 7124 4.18 28960 3.45
Orissa 8831 2.64 8414 2.52 5026 2.95 22271 2.66
Sikkim 236 0.07 127 0.04 117 0.07 480 0.06
West Bengal 22380 6.68 31071 9.32 14975 8.78 68426 8.16
Jharkhand 5673 1.69 5774 1.73 3262 1.91 14709 1.75
Central Region 53677 16.03 50812 15.24 30480 17.88 134969 16.09
Chhattisgarh 4073 1.22 2853 0.86 1963 1.15 8889 1.06
Madhya Pradesh 13381 4.00 11999 3.60 7375 4.33 32755 3.91
Uttar Pradesh 32593 9.73 32500 9.75 18961 11.12 84054 10.02
Uttaranchal 3630 1.08 3460 1.04 2181 1.28 9271 1.11
Western Region 63205 18.87 67421 20.22 32866 19.28 163492 19.49
Dadra & Nagar Haveli 87 0.03 58 0.02 26 0.02 171 0.02
Daman & Diu 75 0.02 77 0.02 43 0.03 195 0.02
Goa1814 0.54 1984 0.60 741 0.43 4539 0.54
Gujarat 18053 5.39 20248 6.07 10642 6.24 48943 5.84
Maharashtra 43176 12.89 45054 13.51 21414 12.56 109644 13.07
Southern Region 96526 28.82 95495 28.64 43346 25.43 235367 28.06
Andhra Pradesh 26314 7.86 21310 6.39 11625 6.82 59249 7.06
Karnataka 24378 7.28 24779 7.43 11227 6.59 60384 7.20
Kerala 16266 4.86 18305 5.49 7707 4.52 42278 5.04
Lakshadweep 29 0.01 24 0.01 19 0.01 72 0.01
Puducherry 567 0.17 621 0.19 256 0.15 1444 0.17
Tamil Nadu 28972 8.65 30456 9.13 12512 7.34 71940 8.58
All India 334884 100.00 333414 100.00 170471 100.00 838769 100.00
107
TABLE 11.1 : CASH RESERVE RATIO AND INTEREST RATES - 2008-09
(in per cent)
Items April May June July August September
2008 2008 2008 2008 2008 2008
(1) (2) (3) (4) (5) (6)
a. Cash Reserve Ratio (1) 7.50 8.25 8.25 8.75 8.75 9.00
b. Bank Rate 6.00 6.00 6.00 6.00 6.00 6.00
c. Prime Lending Rate (2)

12.25-12.75 12.25-12.75 12.50-12.75 12.75-13.25 13.25-14.00 13.75-14.00
d. Deposit Rate (3)

8.25-9.00 8.25-8.75 8.25-9.00 8.75-9.50 8.75-10.00 8.75-10.00
e. Call Money Rate (4)
Borrowing
(i) High 7.50 8.25 10.25 10.25 10.04 15.25
(ii) Low 2.00 6.00 6.50 5.80 4.55 6.35
Lending
(i) High 7.50 8.25 10.25 10.25 10.04 15.25
(ii) Low 2.00 6.00 6.50 5.80 4.55 6.35
(in per cent)
Items October November December January February March

2008 2008 2008 2009 2009 2009
(7) (8) (9) (10) (11) (12)
a. Cash Reserve Ratio (1)

6.00 5.50 5.50 5.00 5.00 5.00
b. Bank Rate 6.00 6.00 6.00 6.00 6.00 6.00
c. Prime Lending Rate (2)

13.75-14.00 13.00-13.50 12.50-13.25 12.00-12.50 11.50-12.50 11.50-12.50
d. Deposit Rate (3)

8.75-10.50 8.50-10.50 8.50-10.00 8.00-9.00 7.75-9.00 7.75-8.75
e. Call Money Rate (4)
Borrowing
(i) High 21.00 7.75 6.60 4.50 4.50 5.00
(ii) Low 4.50 4.00 4.00 2.00 2.00 2.25
Lending
(i) High 21.00 7.75 6.60 4.50 4.50 5.00
(ii) Low 4.50 4.00 4.00 2.00 2.00 2.25
Notes : 1. As applicable to Scheduled Commercial Banks (excluding Regional Rural Banks) as on last Friday.
2. Prime Lending Rate (PLR) relates to five major banks.
3. Deposit rate relates to major banks for term deposits of more than one year maturity.
4. Data cover 90-95 per cent of total transactions reported by major participants.
Based on highs/lows of the the weeks ending on Fridays of the month.
Source : Weekly Statistical Supplement, various issues.
108
TABLE 11.2 : CHEQUE CLEARANCES - 2005-06 TO 2008-09
(Number in lakh and Amount in Rs. crore)
As on March 31
Centres 2005-06 2006-07 2007-08 2008-09P
Number Amount Number Amount Number Amount Number Amount
(1) (2) (3) (4) (5) (6) (7) (8)
1. Kolkata 642 658640 684 682358 731 778304 692 753068
2. Mumbai 2392 3342829 2518 3319090 2652 3685407 2513 2799765
3. Chennai 813 655278 804 692202 854 778854 832 801964
4. Kanpur 93 55329 97 64396 100 69885 93 72692
5. New Delhi 1597 1697583 1691 1773548 1776 1800976 1727 1664709
6. Bangalore 656 498344 702 558676 734 632328 688 546018
7. Nagpur 135 75772 146 92547 151 106352 146 106246
8. Patna 59 36820 57 47969 63 61007 62 67977
9. Hyderabad 417 363317 439 395911 455 452499 448 434737
10. Bhubaneshwar 49 53650 56 64834 60 80994 58 88062
11. Ahmedabad 604 406599 594 429956 647 506759 570 477113
12. Thiruvananthapuram 55 38484 56 40693 56 57323 55 55770
13. Jaipur 187 113453 198 137785 219 162022 198 150890
14. Guwahati 48 39660 55 49101 60 55169 60 62086
15. Other centres @ 5121 3293376 5576 3693360 6049 4168188 5818 4380105
Total 12868 11329134 13673 12042426 14606 13396066 13959 12461202
Notes : P : Provisional
@ : Other centres includes all centres managed by agencies other than the Reserve Bank of India.
Source : Department of Economic Analysis and Policy, RBI.
109
TABLE 11.3 : NUMBER OF CLEARING HOUSES -1978 TO 2009
Managed by
Reserve Bank State Bank Associates of Nationalised Others Total
As on March 31 of India of India State Bank Banks
of India
(1) (2) (3) (4) (5) (6)
1978 11 377 112 1 - 501
1979 11 405 141 1 - 558
1986 14 457 202 1 - 674
1987 14 470 209 1 - 694
1988 14 499 215 1 - 729
1989 14 574 228 6 - 822
1990 14 575 240 6 - 835
1991 14 576 249 6 - 845
1992 14 576 250 6 - 846
1993 14 577 251 6 - 848
1994 14 577 253 6 - 850
1995 14 577 255 6 - 852
1996 14 577 262 6 - 859
1997 14 578 262 6 - 860
1998 14 592 270 6 - 882
1999 14 622 295 6 - 937
2000 14 647 316 7 - 984
2001 14 649 316 7 - 986
2002 14 672 332 7 - 1025
2003 16 672 332 7 - 1027
2004 16 (15) 684 (9) 327 (2) 18 (13) - 1045 (39)
2005 16 (15) 684 (10) 327 (2) 18 (13) - 1045 (40)
2006 16 (16) 659 (12) 324 (3) 31 (21) - 1030 (52)
2007 16 (16) 667 (17) 333 (4) 29 (22) - 1045 (59)
2008 16 (16) 703 (18) 335 (4) 40 (22) - 1094 (60)
2009 16 (16) 728(19) 312(4) 46(25) 1(0) 1103(64)
Note : Figures in bracket indicate MICR Cheque processing Centres

Source : Department of Payment and Settlement Systems
110
TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE
LENDING RATE AND DEPOSIT RATE - 2007 AND 2008
(in per cent)
State Bank of India Nationalised Foreign

and its Associates Banks Banks
2007 2008 2007 2008 2007 2008
(1) (2) (3) (4) (5) (6)
Weighted Average Lending Rate
I. Agriculture 11.50 11.42 11.64 11.64 13.50 12.74
1. Direct Finance 11.57 11.60 11.19 11.41 14.19 12.24
2. Indirect Finance 11.31 11.09 12.05 11.92 11.81 13.05
II. Industry 12.10 12.06 12.43 12.57 12.77 12.31
1. Mining & Quarrying 12.45 12.13 11.79 12.89 11.94 11.04
2. Manufacturing & Processing 12.09 12.06 12.41 12.54 12.81 12.27
3. Electricity, Gas & Water 12.02 11.95 12.59 12.32 12.62 13.06
4. Construction 12.06 12.08 12.53 12.73 12.43 12.62
III. Transport Operators 12.22 12.67 12.78 12.72 13.27 13.06
IV. Professional and Other Services 11.76 11.97 12.18 12.59 12.76 12.93
V. Personal Loans 10.48 10.98 10.38 11.09 13.47 14.17
1. Loans for Purchase of Consumer Durables 14.14 14.64 13.89 14.08 15.75 18.29
2. Loans for Housing 8.92 9.73 9.24 10.10 9.75 10.97
3. Rest of the Personal Loans 13.61 13.41 13.38 13.29 17.56 17.28
VI. Trade 10.82 12.04 11.34 12.36 13.12 13.66
1. Wholesale Trade 10.16 11.70 10.65 12.13 12.74 13.07
2. Retail Trade 11.90 12.37 12.27 12.65 13.22 14.13
VII. Finance 12.99 12.26 12.26 12.76 13.23 13.02
VIII. All Others 11.67 12.09 11.74 12.52 13.80 13.40
Total Bank Credit 11.64 11.82 11.89 12.33 13.03 13.05
Weighted Average Deposit Rate

of Term Deposits 7.74 8.49 8.02 8.56 9.03 8.03
Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs.
2. The data are exclusive of Inland & Foreign Bills purchased and discounted.
3. Amount outstanding figures are used as weights for calculating average lending rates.
4. The deposit data corresponds to only term deposits.
5. The data for 2008 on average deposit rate are based on 65027 reporting branches out of 70207 total branches
having term deposits.
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI.
111
TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE
LENDING RATE AND DEPOSIT RATE - 2007 AND 2008 (Concld.)
(in per cent)
Regional Rural Other Scheduled All Scheduled

Banks Commercial Banks Commercial Banks
2007 2008 2007 2008 2007 2008
(7) (8) (9) (10) (11) (12)
Weighted Average Lending Rate
I. Agriculture 11.71 12.12 12.01 12.45 11.72 11.77
1. Direct Finance 11.70 12.12 12.31 12.70 11.60 11.80
2. Indirect Finance 11.87 12.06 11.56 11.79 11.88 11.71
II. Industry 11.70 12.23 12.37 12.71 12.36 12.44
1. Mining & Quarrying 12.84 13.25 12.98 12.51 12.18 12.60
2. Manufacturing & Processing 12.01 12.70 12.33 12.70 12.33 12.40
3. Electricity, Gas & Water 12.61 12.59 13.57 12.81 12.64 12.31
4. Construction 11.25 11.57 11.90 12.73 12.33 12.60
III. Transport Operators 12.44 12.83 12.18 11.78 12.49 12.29
IV. Professional and Other Services 12.08 12.47 12.51 12.85 12.26 12.59
V. Personal Loans 11.36 11.85 11.05 12.75 10.87 11.95
1. Loans for Purchase of Consumer Durables 13.86 13.31 14.24 14.68 14.36 16.73
2. Loans for Housing 10.23 10.69 8.68 11.45 9.01 10.54
3. Rest of the Personal Loans 13.44 13.48 14.95 14.59 14.47 14.28
VI. Trade 12.00 12.83 12.18 12.82 11.54 12.45
1. Wholesale Trade 12.51 12.74 11.92 12.46 10.77 12.13
2. Retail Trade 11.85 12.85 12.36 13.08 12.37 12.78
VII. Finance 11.16 11.85 12.92 12.78 12.56 12.69
VIII. All Others 11.63 12.23 12.03 12.66 11.87 12.59
Total Bank Credit 11.70 12.18 11.91 12.68 11.92 12.34
Weighted Average Deposit Rate

of Term Deposits 7.51 8.19 8.98 9.31 8.22 8.71
Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs.
2. The data are exclusive of Inland & Foreign Bills purchased and discounted.
3. Amount outstanding figures are used as weights for calculating average lending rates.
4. The deposit data corresponds to only term deposits.
5. The data for 2008 on average deposit rate are based on 65027 reporting branches out of 70207 total branches
having term deposits.
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI.
112
Table 11.5 : BANK GROUP-WISE INSURED DEPOSITS - 2007-08 AND 2008-09

2007-08
Bank Group Total Number Number of Total Insured Percentage
of Insured Reporting Assessable Deposits of Insured
Banks Banks Deposits Deposits
(1) (2) (3) (4) (5)
I. Commercial Banks
1. SBI & its Associates 8 8 532646 650375 82
2. Other Public Sector Banks 19 19 916220 1325207 69
3. Foreign Banks 29 29 12612 161422 8
4. Other Scheduled Commercial Banks 24 24 120931 535472 23
5. Local Area Banks 4 4 175 338 52
Total 84 84 1582584 2672815 59
II. RRBs 92 80 63733 69222 92
III. Co-operative Banks 2180 1968 158764 242763 65
Total I+II+III 2356 2132 1805081 2984800 60

2008-09
Bank Group Total Number Number of Total Insured Percentage
of Insured Reporting Assessable Deposits of Insured
Banks Banks Deposits Deposits
(1) (2) (3) (4) (5)
I. Commercial Banks
1. SBI & its Associates 7 7 756085 514455 68
2. Other Public Sector Banks 18 18 1485884 972064 65
3. Foreign Banks 31 30 161808 27092 17
4. Other Scheduled Commercial Banks 24 21 655180 149923 23
5. Local Area Banks 4 4 582 312 54
Total 84 80 3059539 1663845 54
II. RRBs 86 72 98046 83026 85
III. Co-operative Banks 2137 1953 240980 162080 67
Total I+II+III 2304 2105 3398565 1908951 56
Note : 1. Insured Deposit is based on the distribution of Deposit Accounts according to size as on September 30, 2007.
2. @ Other Scheduled Commercial Banks include IDBI Bank Ltd. and Indian Private Sector Banks.
Source : Deposit Insurance and Credit Gurantee Corporation.
113
114
Bank-wise Tables
115
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009
STATE BANK OF INDIA & ITS ASSOCIATES
(Amount in Rs. lakh)
As on March 31
State Bank of State Bank of State Bank of
India Bikaner and Jaipur Hyderabad
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
1. Capital 63147 63488 5000 5000 1725 1725

(0.1) (0.1) (0.1) (0.1) (0.0) ( 0.0)
2. Reserves and Surplus 4840119 5731283 166320 199647 267689 319107
(6.7) (5.9) (4.0) (4.3) (4.3) (4.2)
2.1. Statutory Reserves 2521811 3072669 65493 77597 99518 117992
2.2. Capital Reserves 42258 126731 1110 1516 412 6140
2.3. Share Premium 2009897 2065793 10664 10664 - -
2.4. Investments Fluctuations Reserves 6218 - - - - -
2.5. Revenue and other Reserves 259901 466056 89053 109870 167759 194975
2.6. Balance of Profit 34 34 - - - -
3. Deposits 53740395 74207312 3410843 3922442 5010830 6244891
(74.5) (76.9) ( 82.9) (84.6) (81.3) (81.4)
Type-wise
3A.1. Demand deposits 9813353 11075357 345663 373354 592482 768967
(i) From banks 1231341 1076184 37494 45127 73493 82452
(ii) From others 8582012 9999173 308169 328227 518989 686515
3A.2. Savings bank deposits 15422929 19822427 857142 1110077 940943 1146604
3A.3. Term deposits 28504113 43309528 2208038 2439011 3477405 4329320
(i) From banks 706548 1365716 103282 1165 12155 16261
(ii) From others 27797565 41943812 2104756 2437846 3465250 4313059
Location-wise
3B.1. Deposits of branches in India 51467607 71003151 3410843 3922442 5010830 6244891
3B.2. Deposits of branches outside India 2272787 3204162 - - - -
4. Borrowings 5172741 5371368 106935 78545 94857 236447
(7.2) (5.6) (2.6) (1.7) (1.5) (3.1)
4.1. Borrowings in India 1280254 367831 40000 39000 12611 191306
(i) From Reserve Bank of India 130000 - - - 12500 -
(ii) From other banks 785358 91995 40000 - 111 10000
(iii) From other institutions and agencies 364896 275836 - 39000 - 181306
4.2. Borrowings outside India 3892487 5003538 66935 39545 82246 45141
Secured borrowings included in 4. 436788 287160 - - 12500 181306
5. Other liabilities and provisions 8336230 11069757 426301 431386 786871 870019
(11.6) (11.5) (10.4) (9.3) (12.8) (11.3)
5.1. Bills Payable 1915990 1892988 103765 109977 158216 155572
5.2. Inter-office adjustments - 570672 - - - -
5.3. Interest accrued 509222 691816 32974 42942 59342 71629
5.4. Subordinate debt - - 100000 100000 - -
5.5. Deferred Tax Liabilities - - - - - -
5.6. Others (including provisions) 5911018 7914283 189562 178467 569312 642818
Total Liabilities 72152631 96443208 4115400 4637020 6161972 7672189
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
Note : Figures in brackets indicate per cent share in total.
116
As on March 31
India Bikaner and Jaipur Hyderabad
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
1. Cash in hand 322031 429552 8132 20394 9746 23928

(0.4) (0.4) (0.2) (0.4) (0.2) (0.3)
2. Balances with RBI 4831430 5125065 382697 339422 544936 518904
(6.7) (5.3) (9.3) (7.3) (8.8) (6.8)
3. Balances with banks in india 371351 1161521 5669 6159 73506 135951
(0.5) (1.2) (0.1) (0.1) (1.2) (1.8)
4. Money at call and short notice 1021673 2225894 - 27500 - -
( 1.4) ( 2.3) (-) (0.6) (-) (-)
5. Balances with banks outside India 200147 1498348 55374 38410 3193 16838
(0.3) (1.6) (1.3) (0.8) (0.1) (0.2)
6. Investments 18950127 27595396 1049836 1099879 1602715 2098166
(17.2) (18.9) (16.1) (14.5) (16.7) (17.6)
6.1. Investments in India 18433011 26947108 1049836 1099881 1602715 2098166
(i) Government securities 14073404 22621747 967870 1040803 1393801 1818247
(ii) Other approved securities 273825 189268 7198 5924 6824 5637
(iii) Shares 450254 459042 9392 8452 23169 16409
(iv) Debentures and Bonds 1762878 1488898 10537 12306 68855 84933
(v) Subsidiaries and/or joint ventures 376646 361701 1378 1378 633 633
(vi) Others 1496004 1826452 53461 31018 109433 172307
6.2. Investments outside India 517116 648288 - - - -
(i) Government securities 39423 74259 - - - -
(ii) Subsidiaries and/or joint ventures 61380 125546 - - - -
(iii) Others 416313 448483 - - - -
7. Advances 41676820 54250320 2507594 2985071 3584875 4367917
(57.8) (56.3) (60.9) (64.4) (58.2) (56.9)
Type-wise
7A.1. Bills purchased and discounted 3673349 4718397 99950 56344 137095 106188
7A.2. Cash credits, overdrafts & loans 15200000 22367993 1352069 1240701 1252609 1710980
7A.3. Term loans 22803471 27163931 1055575 1688025 2195171 2550749
Security-wise
7B.1. Secured by tangible assets 28423106 35002692 1925651 2234961 2845247 3444692
7B.2. Covered by Bank/Govt. Guarantees 2024476 7860124 146720 153793 127412 123845
7B.3. Unsecured 11229238 11387504 435223 596317 612217 799381
Sector-wise
7C.I. Advances in India 36062834 45671624 2507595 2985070 3584875 4367918
(i) Priority sectors 11923051 14363756 1027932 1158240 1175212 1396284
(ii) Public sectors 2302500 3624155 229319 368997 299899 376096
(iii) Banks 7766 33422 8 32 10000 89
(iv) Others 21829517 27650291 1250336 1457801 2099764 2595449
7C.II. Advances outside India 5613984 8578697 - - - -
8. Fixed Assets 337348 383785 16077 17143 25332 26882
(0.5) (0.4) (0.4) (0.4) (0.4) (0.4)
8.1. Premises 93115 95313 3372 3183 6930 7774
8.2. Fixed assets under construction 23426 26344 12 923 695 372
8.3. Other Fixed assets 220808 262127 12693 13038 17707 18737
9. Other Assets 4441703 3773327 90020 103042 317669 483603
(6.2) (3.9) (2.2) (2.2) (5.2) (6.3)
9.1. Inter-office adjustments (net) 1134053 - 15893 13065 146940 232624
9.3. Tax paid 247787 364281 9786 3898 64467 91753
9.4. Stationery and Stamps 9560 9566 572 548 487 592
9.5. Others 2420489 2726530 24028 40834 46844 90473
Total Assets 72152631 96443208 4115400 4637020 6161972 7672189
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
117
TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
As on March 31
Indore Mysore Patiala
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
1. Capital 1750 1750 3600 3600 27475 27475

(0.1) (0.1) (0.1) (0.1) (0.5) (0.4)
(4.4) (4.7) (4.1) (5.5) (4.1) (4.1)
2.2. Capital Reserves 4286 8448 11935 18468 - 1748
2.3. Share Premium 4375 4375 6000 6000 - -
2.4. Investments Fluctuations Reserves - - - - - -
2.6. Balance of Profit 3 - - - - -
3. Deposits 2469881 2833198 2746239 3291577 4857054 6000619
( 84.4) ( 85.7) ( 83.0) ( 81.3) ( 82.2) ( 86.1)
Type-wise
(i) From banks 50275 30163 36485 30708 36936 33103
(ii) From others 224661 222010 214610 196673 345148 281301
3A.3. Term deposits 1686106 1977334 1871016 2340887 3599456 4644634
(i) From banks 11931 33730 30775 22034 1514 9561
(ii) From others 1674175 1943604 1840241 2318853 3597942 4635073
Location-wise
3B.2. Deposits of branches outside India - - - - - -
4. Borrowings 95532 90306 173153 276208 289457 90378
(3.3) (2.7) (5.2) (6.8) (4.9) (1.3)
(i) From Reserve Bank of India 10000 - 30000 70000 - -
(ii) From other banks - - - 20000 50000 -
(iii) From other institutions and agencies 53235 61144 108094 176266 162828 69069
Secured borrowings included in 4. 35984 44506 92094 160266 - -
(7.9) (6.9) (7.6) (6.3) (8.3) (8.1)
5.1. Bills Payable 40269 30640 54803 39099 105549 98834
5.2. Inter-office adjustments - - 14887 14018 - -
5.4. Subordinate debt - - 106500 106500 205160 220160
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
118
As on March 31
Indore Mysore Patiala
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
1. Cash in hand 3200 10306 10090 19679 8185 18340

(0.1) (0.3) (0.3) (0.5) (0.1) (0.3)
(5.6) (5.0) (7.7) (3.8) (7.1) (5.1)
(0.8) ( 1.6) (0.1) (0.2) (0.7) ( 1.4)
4. Money at call and short notice 2000 5000 - 1000 0 37000
(0.1) (0.2) (-) (-) (-) (0.5)
5. Balances with banks outside India 8664 239 19716 31992 11432 -
(0.3) (-) (0.6) (0.8) (0.2) (-)
6. Investments 768108 805062 840276 1137796 1437481 1702921
(16.4) (14.9) (15.8) (17.5) (15.2) (15.2)
(iii) Shares 7749 4818 6412 5825 7209 8512
(vi) Others 49410 60488 26721 115494 32710 7744
6.2. Investments outside India - - - - - -
(i) Government securities - - - - - -
(ii) Subsidiaries and/or joint ventures - - - - - -
(iii) Others - - - - - -
7. Advances 1822433 2161211 2102715 2561605 3640004 4363412
(62.3) (65.3) (63.6) (63.3) (61.6) (62.6)
Type-wise
7A.3. Term loans 1073136 1220622 1293291 1612723 2216151 2661921
Security-wise
7B.3. Unsecured 221495 240306 285348 279845 312494 303649
Sector-wise
(iii) Banks 641 803 98 69 1765 626
(iv) Others 1063699 1319816 1248455 1601567 2188474 2666212
7C.II. Advances outside India - - - - - -
8. Fixed Assets 10247 10458 12299 73136 21112 22594
(0.4) (0.3) (0.4) (1.8) (0.4) (0.3)
8.1. Premises 2817 2644 3350 64234 8820 9824
8.2. Fixed assets under construction 1 145 - - - -
9. Other Assets 124293 99056 61072 61770 327354 374048
(4.2) (3.0) (1.8) (1.5) (5.5) (5.4)
9.1. Inter-office adjustments (net) 11555 1531 - - 2334 96874
9.3. Tax paid 12598 13846 11575 16681 36467 26260
9.5. Others 72746 57240 25497 16650 240296 198442
Total Assets 2927598 3307589 3306970 4048579 5906004 6966544
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
119
As on March 31
State Bank of State Bank of
Saurashtra # Travancore
Items
2008 2009 2008 2009
(13) (14) (15) (16)
1. Capital 48900 5000 5000

(2.3) (0.1) (0.1)
2. Reserves and Surplus 65607 166811 219990
(3.1) (3.8) (4.4)
2.1. Statutory Reserves 21679 70487 85682
2.2. Capital Reserves 1817 2509 6271
2.3. Share Premium - 14250 14250
2.4. Investments Fluctuations Reserves - - -
2.5. Revenue and other Reserves 42111 79425 113664
2.6. Balance of Profit - 140 123
3. Deposits 1616834 3535389 4204192
(75.7) (80.5) (85.0)
Type-wise
3A.1. Demand deposits 153908 205975 225737
(i) From banks 39844 33164 31715
(ii) From others 114064 172811 194022
3A.2. Savings bank deposits 404893 829115 1137778
3A.3. Term deposits 1058033 2500299 2840677
(i) From banks 17211 36411 5454
(ii) From others 1040822 2463888 2835223
Location-wise
3B.1. Deposits of branches in India 1616834 3535389 4204192
3B.2. Deposits of branches outside India - - -
4. Borrowings 241482 284929 80776
(11.3) (6.5) (1.6)
4.1. Borrowings in India 214200 250827 80776
(i) From Reserve Bank of India 20200 - -
(ii) From other banks 159000 - -
(iii) From other institutions and agencies 35000 250827 80776
4.2. Borrowings outside India 27282 34102 -
Secured borrowings included in 4. - - -
5. Other liabilities and provisions 163022 397307 436093
(7.6) (9.1) (8.8)
5.1. Bills Payable 23473 81266 81452
5.2. Inter-office adjustments - - -
5.3. Interest accrued 21284 59762 80809
5.4. Subordinate debt 42500 - -
5.5. Deferred Tax Liabilities - - -
5.6. Others (including provisions) 75764 256280 273832
Total Liabilities 2135844 4389436 4946051
(100.0) (100.0) (100.0)
# : See ‘Explanatory Notes.’
120
As on March 31
State Bank of State Bank of
Saurashtra # Travancore
Items
2008 2009 2008 2009
(13) (14) (15) (16)
1. Cash in hand 2377 7887 22063

(0.1) (0.2) (0.4)
2. Balances with RBI 179070 319598 210810
(8.4) (7.3) ( 4.3)
3. Balances with banks in india 6841 35834 498
(0.3) (0.8) (0.0)
4. Money at call and short notice 2407 - -
(0.1) - -
5. Balances with banks outside India 15755 5431 12096
(0.7) (0.1) (0.2)
6. Investments 598487 1135295 1323171
(18.1) (16.2) (16.4)
6.1. Investments in India 598487 1135296 1323170
(i) Government securities 498507 1058155 1171007
(ii) Other approved securities 2391 8993 6106
(iii) Shares 2610 9404 8641
(iv) Debentures and Bonds 21262 47477 113876
(v) Subsidiaries and/or joint ventures 859 0 0
(vi) Others 72858 11267 23540
6.2. Investments outside India - - -
(i) Government securities - - -
(ii) Subsidiaries and/or joint ventures - - -
(iii) Others - - -
7. Advances 1224133 2813662 3271093
(57.3) (64.1) (66.1)
Type-wise
7A.1. Bills purchased and discounted 52924 188302 171470
7A.2. Cash credits, overdrafts & loans 482113 1184081 1416655
7A.3. Term loans 689097 1441279 1682968
Security-wise
7B.1. Secured by tangible assets 945404 2291486 2595358
7B.2. Covered by Bank/Govt. Guarantees 333 88013 30991
7B.3. Unsecured 278396 434163 644744
Sector-wise
7C.I. Advances in India 1224134 2813662 3271093
(i) Priority sectors 484167 1174178 1301462
(ii) Public sectors 94562 176429 127
(iii) Banks 126 - -
(iv) Others 645279 1463055 1969504
7C.II. Advances outside India - - -
8. Fixed Assets 20049 16621 17158
(0.9) (0.4) (0.3)
8.1. Premises 13025 4182 4035
8.2. Fixed assets under construction 3 - -
8.3. Other Fixed assets 7020 12440 13122
9. Other Assets 86722 55108 89163
(4.0) (1.3) (1.8)
9.1. Inter-office adjustments (net) 8244 -21020 2876
9.3. Tax paid 40659 12117 12135
9.4. Stationery and Stamps 135 325 292
9.5. Others 24166 22711 34589
Total Assets 2135844 4389436 4946051
(100.0) (100.0) (100.0)
121
NATIONALISED BANKS
As on March 31
Allahabad Andhra Bank of
Bank Bank Baroda
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
1. Capital 44670 44670 48500 48500 36553 36553

(0.5) (0.5) (0.9) (0.7) (0.2) (0.2)
( 5.8) (5.5) (4.9) (4.6) (5.9) (5.5)
2.3. Share Premium 72000 72000 68000 68000 227389 227389
2.6. Balance of Profit 9987 9609 7683 15294 - -
3. Deposits 7161638 8497179 4943655 5939003 15203413 19239695
(86.3) (87.0) (87.4) (86.7) (84.7) (84.6)
Type-wise
(i) From banks 9551 10826 9584 9980 61617 68299
(ii) From others 568481 651490 431382 511586 1107984 1376823
3A.3. Term deposits 4580764 5557424 3284271 4073659 10456174 13545845
(i) From banks 63498 105631 2342 8871 1341656 1688749
(ii) From others 4517266 5451793 3281929 4064788 9114518 11857096
Location-wise
3B.2. Deposits of branches outside India 4475 16145 - - 2955477 4098797
4. Borrowings 179200 93704 59051 131123 392705 563609
(2.2) (1.0) (1.0) (1.9) (2.2) (2.5)
(i) From Reserve Bank of India - - - - - 270000
(ii) From other banks 128500 - 120 9 1858 1717
Secured borrowings included in 4. - - - - 74022 24294
(5.2) (6.0) (5.9) (6.0) (7.0) (7.3)
5.1. Bills Payable 41039 28219 77058 84758 171374 120341
5.2. Inter-office adjustments 6904 20475 - - - 111095
5.4. Subordinate debt 186190 291190 111500 204000 542272 713182
5.5. Deferred Tax Liabilities 948 1287 - - - -
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
122
NATIONALISED BANKS
As on March 31
Allahabad Andhra Bank of
Bank Bank Baroda
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
1. Cash in hand 32035 35981 44068 43592 88098 99898

(0.4) (0.4) (0.8) (0.6) (0.5) (0.4)
(7.2) (4.9) (7.9) ( 6.5) (4.7) ( 4.2)
(0.6) (0.4) (0.4) (0.3) (0.8) (0.6)
4. Money at call and short notice 4246 63910 38031 - 647438 718704
(0.1) (0.7) (0.7) (-) ( 3.6) ( 3.2)
(0.2) (0.5) (0.3) (0.3) (2.8) (2.2)
6. Investments 2340025 2965105 1489824 1691111 4387007 5244588
(17.8) (19.2) (16.6) (15.2) (15.8) (14.7)
(iii) Shares 37619 25397 20775 16551 77580 60609
(vi) Others 210323 538308 57550 43546 154702 314505
6.2. Investments outside India - - - - 355592 384410
(i) Government securities - - - - 71381 71428
(ii) Subsidiaries and/or joint ventures - - - - 22822 28444
(iii) Others - - - - 261389 284538
7. Advances 4972047 5880176 3423839 4413926 10670132 14398590
(60.0) (60.2) (60.5) (64.5) (59.4) ( 63.3)
Type-wise
7A.3. Term loans 2578259 3267135 1436365 1795470 4958461 6322287
Security-wise
7B.3. Unsecured 840132 1105364 715649 911746 2801471 3370118
Sector-wise
(iii) Banks 23236 20781 25200 28353 164422 4914
(iv) Others 2548453 3084056 1701390 2372012 3985722 4863613
7C.II. Advances outside India 15967 48692 - - 2219801 3470290
8. Fixed Assets 107147 110975 21946 33530 242701 230972
(1.3) (1.1) (0.4) (0.5) (1.4) (1.0)
8.1. Premises 92970 93907 4905 4786 199921 195481
8.2. Fixed assets under construction - - 1830 1271 - -
9. Other Assets 170504 144868 154199 179604 430183 457812
(2.0) (1.5) (2.7) (2.6) (2.4) (2.0)
9.1. Inter-office adjustments (net) - - 25545 24546 65388 -
9.3. Tax paid 32338 31666 36646 57968 76282 96934
9.5. Others 92651 65505 57809 50366 126385 186529
Total Assets 8293932 9764801 5659239 6846921 17959952 22740673
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
123
NATIONALISED BANKS
As on March 31
Bank of Bank of Canara
India Maharashtra Bank
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
1. Capital 52591 52592 43052 43052 41000 41000

(0.3) (0.2) (0.9) (0.7) (0.2) (0.2)
(5.6) (5.8) (2.8) (3.5) (5.6) (5.4)
2.3. Share Premium 184558 184558 13000 13000 27500 27500
2.6. Balance of Profit - - 25861 12784 - -
3. Deposits 15001198 18970848 4175833 5225492 15407242 18689252
(83.9) (84.1) (86.7) (88.5) (85.3) (85.1)
Type-wise
(i) From banks 19150 27706 2972 3292 14056 8071
(ii) From others 1228137 1230448 505644 497750 1311297 1427610
3A.3. Term deposits 10410034 13893325 2415523 3360454 10555154 13072477
(i) From banks 556027 759463 14824 257 335787 373639
(ii) From others 9854007 13133862 2400699 3360197 10219367 12698838
Location-wise
3B.2. Deposits of branches outside India 2459612 3022171 - - 450725 391347
4. Borrowings 717245 948698 19925 19001 251723 705661
(4.0) (4.2) (0.4) (0.3) (1.4) (3.2)
(i) From Reserve Bank of India - - 5000 - - 393000
(ii) From other banks 20000 - - - - -
4.2. Borrowings outside India 390814 572704 7270 8001 - 2536
Secured borrowings included in 4. - - - - - -
(6.2) (5.7) (9.2) (6.9) (7.4) (6.1)
5.1. Bills Payable 123779 103652 88365 50779 190689 127728
5.2. Inter-office adjustments 5612 - - - 5365 3303
5.5. Deferred Tax Liabilities - 30969 - - 14867 4667
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
124
NATIONALISED BANKS
As on March 31
Bank of Bank of Canara
India Maharashtra Bank
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
1. Cash in hand 45632 45798 34329 32504 43145 49320

(0.3) (0.2) (0.7) (0.6) (0.2) (0.2)
(6.3) (3.8) (7.4) (6.0) (7.2) (4.3)
(1.1) (1.2) (0.5) (0.3) (0.3) (0.2)
4. Money at call and short notice 90975 410495 1 - 160500 20000
(0.5) ( 1.8) (-) (-) (0.9) (0.1)
(1.7) (2.7) (0.2) (0.1) ( 1.3) ( 2.8)
6. Investments 4180288 5260718 1228295 1838214 4981157 5777690
(15.1) (15.0) (16.0) (19.9) (17.7) (16.4)
(iii) Shares 31455 38000 15260 11732 111850 82090
(vi) Others 62532 107876 64084 121021 160082 243886
6.2. Investments outside India 446247 489470 - - 75900 63044
(ii) Subsidiaries and/or joint ventures 12275 17724 - - 3657 3657
(iii) Others 309812 314562 - - 72243 59387
7. Advances 11347633 14290937 2928581 3429077 10723804 13821940
(63.5) (63.4) (60.8) (58.1) (59.4) (62.9)
Type-wise
7A.3. Term loans 4394907 6064105 2049877 2234239 5548366 6779367
Security-wise
7B.3. Unsecured 2618075 3239615 701020 694188 2349702 3252880
Sector-wise
(iii) Banks 20036 14511 61 - 277 3840
(iv) Others 4920826 6416460 1464178 1797612 5658534 6845087
7C.II. Advances outside India 2329079 2921659 - - 150853 348725
8. Fixed Assets 242607 253193 22042 65480 291687 292946
(1.4) (1.1) (0.5) (1.1) (1.6) (1.3)
8.1. Premises 216518 213446 7349 50971 254771 254155
9. Other Assets 340732 569202 213579 159730 272479 406026
(1.9) (2.5) (4.4) (2.7) (1.5) (1.8)
9.1. Inter-office adjustments (net) - 55542 102289 35268 - -
9.3. Tax paid 136644 216841 21898 20441 13832 16074
9.5. Others 105444 177918 62188 61298 157248 289091
Total Assets 17882998 22550177 4815091 5903035 18052869 21964580
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
125
NATIONALISED BANKS
As on March 31
Central Bank of Corporation Dena
India Bank Bank
Items
2008 2009 2008 2009 2008 2009
(13) (14) (15) (16) (17) (18)
1. Capital 120414 132114 14344 14344 28682 28682

(1.0) (0.9) (0.2) (0.2) (0.7) (0.6)
(3.8) (3.4) (6.1) (5.5) (3.9) (3.9)
2.3. Share Premium 73600 73600 70197 70197 25601 25601
2.4. Investments Fluctuations Reserves 17576 31648 987 987 - -
2.6. Balance of Profit 58 113 - - - -
3. Deposits 11031966 13127186 5542442 7398391 3394319 4305061
(89.0) (88.9) (83.2) (85.1) (87.8) (88.8)
Type-wise
(i) From banks 39673 48490 7023 2795 6552 7868
(ii) From others 960411 962740 1043590 1314624 301597 349697
3A.3. Term deposits 7045298 8747948 3601938 5072025 2062251 2807938
(i) From banks 232771 471390 185099 520342 164527 156680
(ii) From others 6812527 8276558 3416839 4551683 1897724 2651258
Location-wise
4. Borrowings 44910 80425 213760 207240 39462 5213
(0.4) (0.5) (3.2) (2.4) (1.0) (0.1)
(i) From Reserve Bank of India 38636 1725 - 133892 - -
(ii) From other banks 2058 5511 1 - - -
4.2. Borrowings outside India - - 166696 45141 39318 5072
(5.8) (6.2) (7.2) (6.8) (6.5) (6.6)
5.1. Bills Payable 59586 61426 57804 44146 44309 34230
5.2. Inter-office adjustments 0 0 0 0 24936 63296
5.4. Subordinate debt 243230 327130 80000 250000 - -
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
126
NATIONALISED BANKS
As on March 31
Central Bank of Corporation Dena
India Bank Bank
Items
2008 2009 2008 2009 2008 2009
(13) (14) (15) (16) (17) (18)
1. Cash in hand 92691 79738 47331 33299 19312 22020

` (0.7) (0.5) (0.7) (0.4) (0.5) (0.5)
(8.6) (6.9) (10.0) (6.0) (8.6) ( 9.8)
( 1.0) (0.5) ( 1.4) (0.1) (0.8) (0.4)
4. Money at call and short notice - - - - - -
(-) (-) (-) (-) (-) (-)
(0.0) (0.3) (0.1) (5.6) (0.5) (1.4)
6. Investments 3145519 4306072 1732509 2493777 1028298 1247308
(16.1) (18.5) (16.6) (18.7) (16.9) ( 16.4)
(iii) Shares 53871 50282 13613 12554 20929 12893
(vi) Others 94671 95796 231535 597372 59047 100906
6.2. Investments outside India 66 66 10 10 - -
(iii) Others - - 10 10 - -
7. Advances 7299743 8548320 3918557 4851216 2302398 2887796
(58.9) (57.9) (58.8) (55.8) (59.6) (59.6)
Type-wise
7A.3. Term loans 4824619 6057047 2144078 2204073 1086028 1386965
Security-wise
7B.3. Unsecured 2044646 1919413 1034972 1416728 505211 523652
Sector-wise
(iii) Banks 172505 68774 3096 1 20027 20688
(iv) Others 3460489 4784005 2105183 2628855 1104422 1292466
8. Fixed Assets 232029 227799 27175 29892 41202 40516
(1.9) (1.5) (0.4) (0.3) (1.1) (0.8)
8.1. Premises 208450 205127 8961 9752 31559 30086
8.2. Fixed assets under construction - - - - 9 9
9. Other Assets 434364 458208 171212 261726 88509 84720
(3.4) (3.1) (2.6) (3.0) (2.3) (1.7)
9.1. Inter-office adjustments (net) 54303 64308 26630 37294 - -
9.3. Tax paid 150937 182739 61478 113113 31125 8419
9.5. Others 159177 132019 44993 62558 26798 43619
Total Assets 12395579 14765522 6659768 8690581 3864173 4846051
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
127
NATIONALISED BANKS
As on March 31
IDBI Bank Ltd Indian Bank Indian Overseas
Bank
Items
2008 2009 2008 2009 2008 2009
(19) (20) (21) (22) (23) (24)
1. Capital 72476 72478 82977 82977 54480 54480

(0.6) (0.4) (1.2) (1.0) (0.5) (0.4)
(6.2) (5.0) (6.1) (7.5) (4.2) (5.5)
2.3. Share Premium 176036 176045 69620 69620 14000 14000
2.4. Investments Fluctuations Reserves - - - 1109 - -
3. Deposits 7299798 11240101 6104595 7258183 8432559 10011589
(55.9) (65.2) (86.6) (86.3) (82.8) (82.7)
Type-wise
(i) From banks 47107 54297 3089 4054 5614 6601
(ii) From others 679738 1057701 470409 525203 894218 806467
3A.3. Term deposits 6090801 9578283 4130038 4962247 5611657 6982877
(i) From banks 584497 817271 93638 105999 119563 155968
(ii) From others 5506304 8761012 4036400 4856248 5492094 6826909
Location-wise
3B.2. Deposits of branches outside India - - 214080 292306 348367 468216
4. Borrowings 4382296 4441704 128324 53078 635365 654828
(33.5) (25.8) (1.8) (0.6) (6.2) (5.4)
(i) From Reserve Bank of India - - - - - -
(ii) From other banks 97546 94938 - - - -
(3.9) (3.6) (4.3) (4.6) (6.2) (6.0)
5.1. Bills Payable 71359 78144 25725 16521 91865 69267
5.2. Inter-office adjustments 9841 11899 41824 73358 - -
5.4. Subordinate debt - - - - - -
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
128
NATIONALISED BANKS
As on March 31
IDBI Bank Ltd Indian Bank Indian Overseas
Bank
Items
2008 2009 2008 2009 2008 2009
(19) (20) (21) (22) (23) (24)
1. Cash in hand 28604 41053 18948 24803 59386 67997

(0.2) (0.2) (0.3) (0.3) (0.6) (0.6)
(4.9) (4.7) (8.9) (7.1) (8.4) (4.3)
(0.1) (0.2) (0.1) (0.2) (0.8) (2.5)
4. Money at call and short notice 185496 231465 10827 5933 24900 135014
(1.4) (1.3) (0.2) (0.1) (0.2) (1.1)
(-) (-) (0.2) (0.3) (0.2) (0.5)
6. Investments 3280293 5004760 2191507 2280057 2847471 3121544
(15.6) (18.3) (20.1) (17.0) (18.0) (16.3)
(iii) Shares 300523 292305 41902 30689 51272 32164
(vi) Others 288746 292771 116795 56095 36093 161185
6.2. Investments outside India 205 205 82956 92131 130010 97346
(i) Government securities - - 56080 63266 108683 80184
(iii) Others 205 205 26876 28865 21327 17162
7. Advances 8221269 10342834 3983871 5146528 6040182 7488527
(62.9) (60.0) (56.5) (61.2) (59.3) (61.9)
Type-wise
7A.3. Term loans 7133755 8816589 2473843 3169708 3194536 3953166
Security-wise
7B.3. Unsecured 971075 1407695 582678 609962 664406 779535
Sector-wise
(iii) Banks 3172 127 9 2 19349 21055
(iv) Others 5914551 7844125 1747580 2532283 3166041 3720508
7C.II. Advances outside India - - 201166 295014 374039 726978
8. Fixed Assets 276598 282411 53927 159422 55858 170986
(2.1) (1.6) (0.8) (1.9) (0.5) (1.4)
8.1. Premises 254304 249155 30717 135060 37396 149454
8.2. Fixed assets under construction 4480 7756 542 457 2488 1307
9. Other Assets 415402 488296 144181 157785 206129 234093
(3.1) (2.8) (2.0) (1.8) (2.0) (1.9)
9.1. Inter-office adjustments (net) - - - - 2054 19789
9.3. Tax paid 218869 236028 12606 19789 61764 76129
9.5. Others 93675 84016 86152 91967 60232 48366
Total Assets 13069439 17240232 7050769 8412175 10183772 12107340
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
129
NATIONALISED BANKS
As on March 31
Oriental Bank of Punjab & Punjab National
Commerce Sind Bank Bank
Items
2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30)
1. Capital 25054 25054 74306 38306 31530 31530

(0.3) (0.2) ( 2.4) (0.9) (0.2) (0.1)
( 6.1) ( 6.4) ( 4.4) ( 4.2) ( 6.0) ( 5.8)
2.3. Share Premium 171470 171470 - - 201143 201143
2.4. Investments Fluctuations Reserves - - - - - 10711
2.6. Balance of Profit 51 83 39994 59709 - 764
3. Deposits 7785670 9836886 2483142 3467566 16645722 20976051
( 85.8) ( 87.4) ( 80.2) ( 83.8) ( 83.6) ( 85.0)
Type-wise
(i) From banks 15014 13343 3885 3136 154287 143863
(ii) From others 761225 757715 203566 211696 1624828 1737528
3A.3. Term deposits 5613322 7501268 1580680 2504998 9489636 12830059
(i) From banks 25093 24333 112217 230664 175846 425822
(ii) From others 5588229 7476935 1468463 2274334 9313790 12404237
Location-wise
3B.2. Deposits of branches outside India - - - - 10287 274713
4. Borrowings 183984 72196 297672 271148 544656 437436
( 2.0) (0.6) ( 9.6) ( 6.6) ( 2.7) ( 1.8)
(i) From Reserve Bank of India 36000 - - - 215000 -
(ii) From other banks 40098 246 87500 55000 3448 3542
4.2. Borrowings outside India 27081 5072 16048 - 310219 400463
Secured borrowings included in 4. - - - - 215000 -
( 5.8) ( 5.4) ( 3.4) ( 4.4) ( 7.4) ( 7.3)
5.1. Bills Payable 138759 41714 29622 25310 211308 264470
5.2. Inter-office adjustments 33746 33429 336 6810 38604 16165
5.5. Deferred Tax Liabilities - - 281 5826 - -
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
130
NATIONALISED BANKS
As on March 31
Oriental Bank of Punjab & Punjab National
Commerce Sind Bank Bank
Items
2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30)
1. Cash in hand 38563 29179 10299 9391 144213 162876

(0.4) (0.3) (0.3) (0.2) (0.7) (0.7)
( 7.6) ( 5.9) ( 6.0) ( 4.5) ( 6.9) ( 6.2)
( 2.2) ( 3.9) ( 2.8) ( 1.4) ( 1.3) ( 1.1)
4. Money at call and short notice - - - - 42198 20961
(-) (-) (-) (-) (0.2) (0.1)
( 1.0) (0.8) (0.4) (0.7) (0.3) (0.6)
6. Investments 2395068 2848895 847363 1262743 5399170 6338518
( 16.8) ( 15.9) ( 17.4) ( 19.4) ( 17.2) ( 16.0)
(iii) Shares 49834 44773 6436 6646 86918 120571
(vi) Others 35753 46956 857 65765 334311 135669
(ii) Subsidiaries and/or joint ventures - - - - 21976 34764
(iii) Others - - - - 8 26704
7. Advances 5456583 6850037 1834330 2461535 11950157 15470299
( 60.2) ( 60.8) ( 59.3) ( 59.5) ( 60.0) ( 62.7)
Type-wise
7A.1 Bills purchased and discounted 290402 240493 64914 81135 436782 439996
7A.3. Term loans 3213328 4091585 1164077 1648404 5919662 8138516
Security-wise
7B.3. Unsecured 521030 739844 410370 684104 2010047 2148025
Sector-wise
(iii) Banks 62498 10215 64396 73769 62495 24556
(iv) Others 2987066 3944623 961605 1202070 5976503 8999834
7C.II. Advances outside India - - - - 3330 382497
8. Fixed Assets 38746 138386 56896 55576 231552 239711
(0.4) ( 1.2) ( 1.8) ( 1.3) ( 1.2) ( 1.0)
8.1. Premises 20361 121512 54311 52014 183527 184534
9. Other Assets 158661 198428 62341 72481 438084 502020
( 1.7) ( 1.7) ( 2.0) ( 1.7) ( 2.2) ( 2.0)
9.1 Inter-office adjustments (net) - - - - - -
9.2 Interest accrued 76541 83051 18573 22824 141742 151424
9.3 Tax paid 36230 68361 26856 34165 126322 114446
9.4 Stationery and Stamps 117 166 237 252 752 907
9.5 Others 45773 46850 16675 15240 169269 235243
Total Assets 9070532 11258259 3094920 4136379 19902036 24691862
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
131
NATIONALISED BANKS
As on March 31
Syndicate UCO Union Bank of
Bank Bank India
Items
2008 2009 2008 2009 2008 2009
(31) (32) (33) (34) (35) (36)
1. Capital 52197 52197 79936 124936 50512 50512

(0.5) (0.4) (0.9) ( 1.1) (0.4) (0.3)
( 3.5) ( 3.4) ( 2.4) ( 2.4) ( 5.5) ( 5.1)
2.3. Share Premium 20000 20000 4000 4000 53236 53236
2.6. Balance of Profit - - 60023 80480 65 83
3. Deposits 9517080 11588514 7990895 10022156 10385865 13870284
( 88.8) ( 89.0) ( 89.0) ( 89.8) ( 83.8) ( 86.2)
Type-wise
(i) From banks 35230 50466 21470 38038 107376 78297
(ii) From others 1033498 1002217 557459 693860 1076205 1238345
3A.3. Term deposits 6571828 8390272 5940319 7605763 6765461 9699166
(i) From banks 391706 970213 541809 715304 235148 371704
(ii) From others 6180122 7420059 5398510 6890459 6530313 9327462
Location-wise
3B.2. Deposits of branches outside India 431705 719694 571919 700862 - 28682
4. Borrowings 130616 219048 171595 206242 476049 388490
( 1.2) ( 1.7) ( 1.9) ( 1.8) ( 3.8) ( 2.4)
(i) From Reserve Bank of India - - - - 57500 -
(ii) From other banks 266 11 19898 360 20338 -
Secured borrowings included in 4. - - 146119 191335 60508 30390
( 5.9) ( 5.5) ( 5.8) ( 4.9) ( 6.5) ( 6.0)
5.1. Bills Payable 154804 91013 36710 23164 158213 172664
5.2. Inter-office adjustments - - - - - -
5.4. Subordinate debt 258470 322370 - - 375000 489000
5.5. Deferred Tax Liabilities - - - - 7890 -
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
132
NATIONALISED BANKS
As on March 31
Syndicate UCO Union Bank of
Bank Bank India
Items
2008 2009 2008 2009 2008 2009
(31) (32) (33) (34) (35) (36)
1. Cash in hand 40183 33443 21289 18565 34579 42102

(0.4) (0.3) (0.2) (0.2) (0.3) (0.3)
( 9.3) ( 9.4) ( 6.1) ( 5.7) ( 7.3) ( 5.3)
(0.3) (0.1) (0.4) (0.6) (0.3) (0.6)
4. Money at call and short notice 40000 106480 152161 73066 - 154916
(0.4) (0.8) ( 1.7) (0.7) (-) ( 1.0)
(0.6) (0.5) (0.6) ( 2.6) (0.2) ( 2.8)
6. Investments 2807593 3053723 2424963 2938478 3382263 4299696
( 16.5) ( 14.5) ( 17.1) ( 16.6) ( 17.4) ( 17.0)
(iii) Shares 37482 19323 46055 48619 43653 38959
(v) Subsidiaries and/or joint ventures 3360 3360 - - 1916 1916
(vi) Others 33558 78569 171932 240101 109865 379179
6.2. Investments outside India 30688 35968 149380 127446 20 20
(i) Government securities - - 142049 117167 - -
(iii) Others 30688 35968 7331 10279 20 20
7. Advances 6405101 8153227 5508189 6880386 7426691 9653423
( 59.8) ( 62.6) ( 61.3) ( 61.6) ( 59.9) ( 60.0)
Type-wise
7A.3. Term loans 4603170 6007163 3300739 4484110 3236856 3923764
Security-wise
7B.3. Unsecured 1813667 2551767 1143010 1334785 1160519 1997455
Sector-wise
(iii) Banks 49378 190607 16062 6207 100351 113180
(iv) Others 3019249 3531410 2621058 3490484 3771354 4885798
7C.II. Advances outside India 600204 832916 449821 564898 - 130535
8. Fixed Assets 76952 74203 68434 71885 220040 233516
(0.7) (0.6) (0.8) (0.6) ( 1.8) ( 1.5)
8.1. Premises 50779 49409 53203 55578 183571 186776
8.2. Fixed assets under construction 1423 2187 - - 457 786
9. Other Assets 257867 303973 167555 190322 360410 312423
( 2.4) ( 2.3) ( 1.9) ( 1.7) ( 2.9) ( 1.9)
9.1 Inter-office adjustments (net) 32495 63544 2204 3638 26167 43449
9.2 Interest accrued 66595 68141 49145 55575 98179 91024
9.3 Tax paid 61400 50955 31873 38894 72412 27298
9.4 Stationery and Stamps 1047 1214 661 712 566 1334
9.5 Others 96329 120118 83672 91503 163087 149317
Total Assets 10713228 13025567 8979494 11166417 12399188 16097551
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
133
NATIONALISED BANKS
As on March 31
United Bank of Vijaya
India Bank
Items
2008 2009 2008 2009
(37) (38) (39) (40)
1. Capital 153243 178243 43352 93352

( 2.8) ( 2.9) (0.8) ( 1.5)
2. Reserves and Surplus 112884 129533 202553 221578
( 2.1) ( 2.1) ( 3.6) ( 3.6)
2.1. Statutory Reserves 20832 24582 61869 68431
2.2. Capital Reserves 52364 65263 1532 16160
2.3. Share Premium - - 14000 14000
2.4. Investments Fluctuations Reserves - - - -
2.5. Revenue and other Reserves 39688 39688 50083 47940
2.6. Balance of Profit - - 75069 75047
3. Deposits 4697071 5453590 4795202 5453542
( 86.5) ( 87.9) ( 85.3) ( 87.4)
Type-wise
3A.1. Demand deposits 507568 539535 482214 413767
(i) From banks 22160 30736 6936 2173
(ii) From others 485408 508799 475278 411594
3A.2. Savings bank deposits 1303961 1521243 826947 896938
3A.3. Term deposits 2885542 3392812 3486041 4142837
(i) From banks 82984 151305 3289 3038
(ii) From others 2802558 3241507 3482752 4139799
Location-wise
3B.1. Deposits of branches in India 4697072 5453590 4795201 5453542
3B.2. Deposits of branches outside India - - - -
4. Borrowings 116207 45677 191887 61924
( 2.1) (0.7) ( 3.4) ( 1.0)
4.1. Borrowings in India 114934 42041 152990 61924
(i) From Reserve Bank of India 25000 - - -
(ii) From other banks 101 510 228 19
(iii) From other institutions and agencies 89833 41531 152762 61905
4.2. Borrowings outside India 1272 3635 38897 -
Secured borrowings included in 4. 56000 - 79972 -
5. Other liabilities and provisions 351688 397029 385437 407864
( 6.5) ( 6.4) ( 6.9) ( 6.5)
5.1.Bills Payable 52485 69310 52299 41205
5.2.Inter-office adjustments 18341 16565 68528 85346
5.3.Interest accrued 37630 36439 10742 20986
5.4.Subordinate debt 127500 152500 165000 165000
5.5.Deferred Tax Liabilities - - - -
5.6.Others (including provisions) 115732 122215 88869 95327
Total Liabilities 5431095 6204071 5618431 6238260
(100.0) (100.0) (100.0) (100.0)
134
NATIONALISED BANKS
As on March 31
United Bank of Vijaya
India Bank
Items
2008 2009 2008 2009
(37) (38) (39) (40)
1. Cash in hand 22433 22830 19550 19371

(0.4) (0.4) (0.3) (0.3)
2. Balances with RBI 502509 430396 546606 553669
( 9.3) ( 6.9) ( 9.7) ( 8.9)
3. Balances with banks in india 61782 33679 38668 8545
( 1.1) (0.5) (0.7) (0.1)
4. Money at call and short notice - 150058 - 157960
(-) ( 2.4) (-) ( 2.5)
5. Balances with banks outside India 491 4057 4914 27671
(-) (0.1) (0.1) (0.4)
6. Investments 1851464 1792421 1661732 1738770
( 22.8) ( 18.6) ( 19.2) ( 17.9)
6.1. Investments in India 1851463 1792422 1661732 1738772
(i) Government securities 1273970 1406328 1365208 1429972
(ii) Other approved securities 12874 7772 5704 3714
(iii) Shares 18588 13892 19098 13245
(iv) Debentures and Bonds 97218 116113 152252 130999
(v) Subsidiaries and/or joint ventures - - 623 633
(vi) Others 448813 248317 118847 160209
6.2. Investments outside India 1 - - -
(i) Government securities - - - -
(ii) Subsidiaries and/or joint ventures - - - -
(iii) Others 1 - - -
7. Advances 2785811 3539355 3168922 3546811
( 51.3) ( 57.1) ( 56.4) ( 56.9)
Type-wise
7A.1. Bills purchased and discounted 92362 119554 130526 88823
7A.2. Cash credits, overdrafts & loans 789943 840297 1252535 1298731
7A.3. Term loans 1903505 2579503 1785861 2159257
Security-wise
7B.1. Secured by tangible assets 2240255 2998685 2315681 2900805
7B.2. Covered by Bank/Govt. Guarantees 89057 83045 79915 166796
7B.3. Unsecured 456500 457624 773326 479210
Sector-wise
7C.I. Advances in India 2785810 3539354 3168922 3546812
(i) Priority sectors 903837 1100574 1131195 1241932
(ii) Public sectors 457439 877241 524268 667285
(iii) Banks 159461 20169 85 99
(iv) Others 1265073 1541370 1513374 1637496
7C.II. Advances outside India - - - -
8. Fixed Assets 62281 62422 50782 49324
( 1.1) ( 1.0) (0.9) (0.8)
8.1. Premises 49719 47874 40465 38290
8.2. Fixed assets under construction 43 86 - -
8.3. Other Fixed assets 12520 14461 10317 11035
9. Other Assets 144324 168853 127259 136136
( 2.6) ( 2.7) ( 2.2) ( 2.2)
9.1. Inter-office adjustments (net) - - - -
9.2. Interest accrued 44608 32118 42616 42259
9.3. Tax paid 38884 40056 52703 52104
9.4. Stationery and Stamps 376 391 97 81
9.5. Others 60456 96287 31842 41693
Total Assets 5431095 6204071 5618431 6238260
( 100.0) ( 100.0) ( 100.0) ( 100.0)
135
FOREIGN BANKS
As on March 31
AB Bank ABN Amro Abu Dhabi
Bank Commercial Bank
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
1. Capital 3698 3698 16902 16902 6327 6327

( 46.9) ( 45.6) (0.5) (0.5) ( 11.0) ( 9.7)
( 12.8) ( 14.7) ( 6.0) ( 6.9) ( 7.6) ( 9.2)
2.2. Capital Reserves - - 163 163 147 147
2.3. Share Premium - - - - - -
2.4. Investments Fluctuations Reserves 51 51 - - - -
2.5. Revenue and other Reserves - - 31501 31501 2091 3252
2.6. Balance of Profit 299 384 139659 141113 -67 -
3. Deposits 3083 3105 1891159 1596025 41386 50861
( 39.1) ( 38.3) ( 51.6) ( 49.7) ( 71.8) ( 77.6)
Type-wise
(i) From banks 1926 1817 6795 19835 53 84
(ii) From others 557 570 462222 415384 6647 10621
3A.3. Term deposits 295 676 1140093 892181 25151 29165
(i) From banks - - - 23215 - -
(ii) From others 295 676 1140093 868966 25151 29165
Location-wise
4. Borrowings - - 1140785 944196 3000 -
(-) (-) ( 31.2) ( 29.4) ( 5.2) (-)
4.1. Borrowings in India - - 519000 458134 3000 -
(i) From Reserve Bank of India - - 342000 17500 2500 -
(ii) From other banks - - 177000 87720 500 -
(iii) From other institutions and agencies - - - 352914 - -
4.2. Borrowings outside India - - 621785 486062 - -
Secured borrowings included in 4. - - 342000 370414 2500 -
( 1.2) ( 1.4) ( 10.7) ( 13.4) ( 4.5) ( 3.6)
5.1. Bills Payable - - 33836 21276 125 287
5.3. Interest accrued - 1 10856 19514 1234 832
5.5. Deferred Tax Liabilities - - - - 166 200
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
136
FOREIGN BANKS
As on March 31
AB Bank ABN Amro Abu Dhabi
Bank Commercial Bank
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
1. Cash in hand 28 25 8154 7643 74 66

(0.4) (0.3) (0.2) (0.2) (0.1) (0.1)
( 1.4) ( 1.7) ( 5.6) ( 3.5) ( 7.3) ( 8.4)
( 10.6) ( 12.4) (0.1) (0.1) ( 30.5) ( 30.7)
4. Money at call and short notice 500 300 2473 - - 3417
( 6.3) ( 3.7) (0.1) (-) (-) ( 5.2)
( 26.0) ( 23.7) (0.6) ( 6.3) (0.8) (0.7)
6. Investments 1130 1090 1177742 1081069 16167 19470
( 11.7) ( 11.1) ( 21.3) ( 22.9) ( 25.4) ( 27.0)
(ii) Other approved securities - - 145 95 228 148
(iii) Shares - - - - - -
(iv) Debentures and Bonds - - 1500 - 282 295
(v) Subsidiaries and/or joint ventures - - - - - -
(vi) Others 145 38 17257 38373 114 4764
(iii) Others - - - - - -
7. Advances 2597 2861 2038141 1665974 16209 13731
( 32.9) ( 35.3) ( 55.7) ( 52.0) ( 28.1) ( 20.9)
Type-wise
7A.3. Term loans 1630 1537 1035661 750302 2668 2082
Security-wise
7B.2. Covered by Bank/Govt. Guarantees 320 - 204602 30370 9883 7394
7B.3. Unsecured 2039 2573 1187085 794848 469 160
Sector-wise
(ii) Public sectors - - - - - -
(iii) Banks - - - 2686 - -
(iv) Others 1789 1804 1293221 1003959 14090 10309
8. Fixed Assets 35 64 11351 10059 662 651
(0.4) (0.8) (0.3) (0.3) ( 1.1) ( 1.0)
8.1. Premises - - 2118 2044 575 574
8.2. Fixed assets under construction - - 1419 1778 - -
9. Other Assets 595 701 193567 125286 2270 2123
( 7.5) ( 8.6) ( 5.3) ( 3.9) ( 3.9) ( 3.2)
9.1. Inter-office adjustments (net) - - - - - -
9.3. Tax paid 61 52 4663 - 983 413
9.4. Stationery and Stamps 1 1 - - - -
9.5. Others 497 631 153703 95549 419 1073
Total Assets 7884 8106 3661710 3208255 57670 65544
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
137
FOREIGN BANKS
As on March 31
American Express Antwerp Diamond Bank International
Banking Corporation # Bank Indonesia
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
1. Capital 48088 18429 18429 7338 7338

( 39.5) ( 23.5) ( 19.0) ( 92.1) (92.4)
2. Reserves and Surplus 16 1870 3428 427 445
(-) ( 2.4) ( 3.5) ( 5.4) (5.6)
2.1. Statutory Reserves 16 1774 2164 427 445
2.2. Capital Reserves - - - - -
2.4. nvestments Fluctuations Reserves - - - - - -
2.5. Revenue and other Reserves - - - - -
2.6. Balance of Profit - 96 1264 - -
3. Deposits 32985 7967 8076 - -
( 27.1) ( 10.1) ( 8.3) (-) (-)
Type-wise
3A.1. Demand deposits - 6735 6196 - -
(i) From banks - 3218 3919 - -
(ii) From others - 3517 2277 - -
3A.2. Savings bank deposits - 196 13 - -
3A.3. Term deposits 32985 1036 1867 - -
(i) From banks - - - - - -
(ii) From others 32985 1036 1867 - -
Location-wise - -
3B.1. Deposits of branches in India 32985 7967 8075 - -
4. Borrowings 9500 48730 65277 - -
( 7.8) ( 62.1) ( 67.4) (-) (-)
4.1. Borrowings in India 9500 - - - -
(i) From Reserve Bank of India - - - - -
(ii) From other banks 9500 - - - -
(iii) From other institutions and agencies - - - - -
4.2. Borrowings outside India - 48730 65277 - -
Secured borrowings included in 4. - - - - -
5. Other liabilities and provisions 31088 1504 1639 201 154
( 25.5) ( 1.9) ( 1.7) ( 2.5) (1.9)
5.1. Bills Payable - 2 15 30 22
5.2. Inter-office adjustments - - - - -
5.3. Interest accrued 191 339 324 - -
5.4. Subordinate debt - - - - -
5.5. Deferred Tax Liabilities - - - - -
5.6. Others (including provisions) 30897 1164 1300 172 133
Total Liabilities 121677 78501 96846 7966 7938
( 100.0) ( 100.0) ( 100.0) ( 100.0) (100.0)
138
FOREIGN BANKS
As on March 31
American Express Antwerp Diamond Bank International
Banking Corporation # Bank Indonesia
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
1. Cash in hand - - - 2 -
(-) (-) (-) (-) (-)
2. Balances with RBI 3812 3831 1920 301 322
( 3.1) ( 4.9) ( 2.0) ( 3.8) (4.1)
3. Balances with banks in india 3659 6281 179 277 4304
( 3.0) ( 8.0) (0.2) ( 3.5) (54.2)
4. Money at call and short notice - 1499 - - -
(-) ( 1.9) (-) (-) (-)
5. Balances with banks outside India - 24 3 3672 112
(-) (-) (-) ( 46.1) (1.4)
6. Investments 21339 17076 21476 483 83
( 11.1) ( 13.5) ( 12.9) ( 6.1) (1.0)
6.1. Investments in India 21339 17076 21476 483 83
(i) Government securities 21339 17076 21476 - -
(ii) Other approved securities - - - 483 -
(iii) Shares - - - - -
(iv) Debentures and Bonds - - - - 83
(v) Subsidiaries and/or joint ventures - - - - -
(vi) Others - - - - -
6.2. Investments outside India - - - - -
(i) Government securities - - - - -
(ii) Subsidiaries and/or joint ventures - - - - -
(iii) Others - - - - -
7. Advances 69763 47629 70027 - -
( 57.3) ( 60.7) ( 72.3) (-) (-)
Type-wise
7A.1. Bills purchased and discounted - - - - -
7A.2. Cash credits, overdrafts & loans 69660 47539 69969 - -
7A.3. Term loans 103 90 58 - -
Security-wise -
7B.1. Secured by tangible assets 53 47595 69160 - -
7B.2. Covered by Bank/Govt. Guarantees - - 810 - -
7B.3. Unsecured 69710 34 57 - -
Sector-wise -
7C.I. Advances in India 69763 47629 70027 - -
(i) Priority sectors 0 47539 69969 - -
(ii) Public sectors 0 0 0 - -
(iii) Banks 0 0 0 - -
(iv) Others 69763 90 58 - -
7C.II. Advances outside India 0 0 0 - -
8. Fixed Assets 9309 14 33 - -
( 7.7) (-) (-) - -
8.1. Premises - - - - -
8.2. Fixed assets under construction - - - - -
8.3. Other Fixed assets 9309 13 33 - -
9. Other Assets 13795 2146 3208 3231 3117
( 11.3) ( 2.7) ( 3.3) ( 40.6) (39.3)
9.1. Inter-office adjustments (net) - - - - -
9.2. Interest accrued - 186 213 6 1
9.3. Tax paid 23 1744 2496 152 158
9.4 Stationery and Stamps - - - - -
9.5. Others 13772 215 499 3074 2958
Total Assets 121677 78501 96846 7966 7938
( 100.0) ( 100.0) ( 100.0) ( 100.0) (100.0)
139
FOREIGN BANKS
As on March 31
Bank of Bank of Bahrain & Bank of
America Kuwait Ceylon
Items
2008 2009 2008 2009 2008 2009
(13) (14) (15) (16) (17) (18)
1. Capital 98535 98535 5840 5840 3809 3809

( 12.1) ( 10.0) ( 11.0) ( 9.6) ( 23.5) ( 20.1)
( 17.6) ( 17.9) ( 6.9) ( 6.8) ( 14.0) ( 22.4)
2.2. Capital Reserves 32215 32215 351 272 - -
2.4. Investments Fluctuations Reserves 12768 18188 - - - -
2.5. Revenue and other Reserves 53298 73153 1744 1744 - -
2.6. Balance of Profit - - - - 1563 2942
3. Deposits 419077 416676 39539 47190 7416 8639
( 51.6) ( 42.3) ( 74.4) ( 77.3) ( 45.8) ( 45.7)
Type-wise
(i) From banks 21743 13376 81 64 882 1170
(ii) From others 237731 252386 4544 4707 1767 1586
3A.3. Term deposits 147943 92928 30468 37792 4102 5125
(i) From banks - - 33 - - -
(ii) From others 147943 92928 30435 37792 4102 5125
Location-wise
4. Borrowings 98888 216094 2006 300 802 -
( 12.2) ( 21.9) ( 3.8) (0.5) ( 5.0) (-)
4.1. Borrowings in India 19997 152818 - 300 - -
(i) From Reserve Bank of India - 11800 - 300 - -
(ii) From other banks - - - - - -
(iii) From other institutions and agencies 19997 141018 - - - -
4.2. Borrowings outside India 78891 63276 2006 - 802 -
Secured borrowings included in 4. 19997 141018 - - - -
( 6.5) ( 7.8) ( 3.9) ( 5.8) ( 11.7) ( 11.8)
5.1. Bills Payable 12123 15656 185 189 239 333
5.2 .Inter-office adjustments 2726 - - - - -
5.4. Subordinate debt 16724 12730 - - - -
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
140
FOREIGN BANKS
As on March 31
Bank of Bank of Bahrain & Bank of
America Kuwait Ceylon
Items
2008 2009 2008 2009 2008 2009
(13) (14) (15) (16) (17) (18)
1. Cash in hand 582 688 59 75 46 24

(0.1) (0.1) (0.1) (0.1) (0.3) (0.1)
( 5.3) ( 3.3) ( 6.6) ( 4.7) ( 6.0) ( 1.7)
(0.1) (-) ( 4.7) (-) ( 26.6) ( 27.5)
( 1.3) (-) ( 2.5) ( 16.6) ( 10.8) ( 16.8)
( 10.8) ( 10.3) ( 1.1) (0.8) ( 1.3) ( 1.2)
6. Investments 287771 367030 12325 14902 2964 3085
( 25.8) ( 28.4) ( 18.4) ( 19.8) ( 15.1) ( 13.4)
(ii) Other approved securities - - - - 1410 -
(iii) Shares 6 6 207 - - -
(iv) Debentures and Bonds 15926 - - - - -
(vi) Others 74984 34014 - - - -
(iii) Others - - - - - -
7. Advances 345244 335594 28032 28712 4143 4530
( 42.5) ( 34.1) ( 52.8) ( 47.1) ( 25.6) ( 24.0)
Type-wise
7A.3. Term loans 7504 293 9048 6775 633 1128
Security-wise
7B.2. Covered by Bank/Govt. Guarantees 273 - 11911 12283 62 76
7B.3. Unsecured 255152 298403 3099 2971 47 83
Sector-wise
(ii) Public sectors - - 454 - - -
(iii) Banks - - 4900 10616 - -
(iv) Others 230359 220424 17670 11096 1735 2794
8. Fixed Assets 2236 2484 516 610 42 35
(0.3) (0.3) ( 1.0) ( 1.0) (0.3) (0.2)
8.1. Premises 126 114 249 245 - -
8.2. Fixed assets under construction - - 44 - - -
9. Other Assets 34496 144211 4313 3149 1739 2315
( 4.2) ( 14.6) ( 8.1) ( 5.1) ( 10.8) ( 12.2)
9.1. Inter-office adjustments (net) - 4134 - - 55 35
9.2. Interest accrued 5329 5807 336 361 - 117
9.3. Tax paid 6869 2272 232 189 1542 2034
9.4. Stationery and Stamps - - - - 3 1
9.5. Others 22297 131997 3744 2598 139 128
Total Assets 812121 984535 53158 61010 16173 18911
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
141
FOREIGN BANKS
As on March 31
Bank of Nova Bank of Tokyo Barclays
Scotia Mitsubishi UFJ Bank
Items
2008 2009 2008 2009 2008 2009
(19) (20) (21) (22) (23) (24)
1. Capital 36455 36455 73887 73887 460282 470952

( 5.2) ( 5.2) ( 21.1) ( 16.3) ( 35.6) ( 22.8)
( 4.9) ( 7.1) ( 11.5) ( 10.3) ( 2.0) ( 1.4)
2.2. Capital Reserves - - 75 75 185 185
2.6. Balance of Profit 7660 19125 6307 11389 280 2538
3. Deposits 375471 297574 132685 207603 690184 1248552
( 53.3) ( 42.5) ( 37.9) ( 45.7) ( 53.4) ( 60.3)
Type-wise
(i) From banks 379 478 122 145 613 1878
(ii) From others 16294 22168 63006 69134 30226 22572
3A.3. Term deposits 353674 269151 58434 125407 654204 1211872
(i) From banks 164416 98714 - - 294060 594350
(ii) From others 189258 170437 58434 125407 360144 617522
Location-wise
4. Borrowings 244428 304460 94686 104778 53500 233083
( 34.7) ( 43.5) ( 27.1) ( 23.0) ( 4.1) ( 11.3)
(i) From Reserve Bank of India - 5000 - - - -
(iii) From other institutions and agencies - - - - - 116467
4.2. Borrowings outside India 186415 220222 62186 54778 - 106615
Secured borrowings included in 4. - - - - - 116467
( 2.0) ( 1.6) ( 2.5) ( 4.7) ( 4.8) ( 4.2)
5.1. Bills Payable 1345 1499 992 569 28482 3255
5.2. Inter-office adjustments 30 311 - - - -
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
142
FOREIGN BANKS
As on March 31
Bank of Nova Bank of Tokyo Barclays
Scotia Mitsubishi UFJ Bank
Items
2008 2009 2008 2009 2008 2009
(19) (20) (21) (22) (23) (24)
1. Cash in hand 147 106 329 409 318 403

(-) (-) (0.1) (0.1) (-) (-)
( 5.5) ( 3.7) ( 7.8) ( 5.3) ( 4.3) ( 2.4)
(0.1) (-) ( 1.6) ( 1.7) ( 4.2) (0.2)
4. Money at call and short notice 6652 5763 - 12000 32096 -
(0.9) (0.8) (-) ( 2.6) ( 2.5) (-)
(0.1) (0.2) (0.2) (0.2) (0.9) (0.5)
6. Investments 164440 172615 58874 87511 285663 788312
( 14.0) ( 14.8) ( 10.1) ( 11.7) ( 14.0) ( 25.5)
(ii) Other approved securities - - 275 - - -
(iii) Shares - - - - 3828 3828
(iv) Debentures and Bonds - - - - 20304 19793
(vi) Others 9748 6801 - - 41382 280243
(iii) Others - - - - - -
7. Advances 477381 480528 230707 299132 763552 1055051
( 67.7) ( 68.7) ( 65.9) ( 65.8) ( 59.2) ( 51.0)
Type-wise
7A.3. Term loans 13145 16897 57647 75082 509773 619355
Security-wise
7B.2. Covered by Bank/Govt. Guarantees 131673 145954 - - 570 -
7B.3. Unsecured 217416 221383 172583 231782 680708 877332
Sector-wise
(ii) Public sectors - - 26500 23500 - -
(iii) Banks - - - - - -
(iv) Others 293437 304715 149170 195626 651429 846516
8. Fixed Assets 636 582 1251 1876 11267 12284
(0.1) (0.1) (0.4) (0.4) (0.9) (0.6)
8.1. Premises 139 94 186 182 - -
9. Other Assets 15168 12787 25055 20765 78245 148659
( 2.2) ( 1.8) ( 7.2) ( 4.6) ( 6.1) ( 7.2)
9.1. Inter-office adjustments (net) - - 15394 5409 - -
9.3. Tax paid 2767 2222 - 613 - 5064
9.5. Others 9266 7714 4625 6405 68098 126769
Total Assets 704945 699570 349999 454639 1292814 2068863
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
143
FOREIGN BANKS
As on March 31
BNP Paribas Calyon Bank Chinatrust
Commercial Bank
Items
2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30)
1. Capital 86919 106958 59503 69984 4640 11014

( 11.5) ( 10.9) ( 13.1) ( 10.6) ( 22.6) ( 56.7)
2. Reserves and Surplus 34442 58688 25420 20993 -12 553
( 4.5) ( 6.0) ( 5.6) ( 3.2) (-) ( 2.8)
2.2. Capital Reserves 1310 1310 - - - -
2.4. Investments Fluctuations Reserves - - - 1185 167 167
2.5. Revenue and other Reserves 23948 43944 2507 2507 - -
2.6. Balance of Profit - - 11059 1559 -441 -17
3. Deposits 323598 335314 113486 81833 9165 6078
( 42.7) ( 34.1) ( 24.9) ( 12.4) ( 44.6) ( 31.3)
Type-wise
(i) From banks 699 245 119 686 - -
(ii) From others 141887 115449 24488 12705 1632 2841
3A.3. Term deposits 170915 211744 85331 64931 7370 2994
(i) From banks - - - 4850 - -
(ii) From others 170915 211744 85331 60081 7370 2994
Location-wise
4. Borrowings 188390 284408 159504 428786 6306 1100
( 24.8) ( 28.9) ( 35.0) ( 64.8) ( 30.7) ( 5.7)
(iii) From other institutions and agencies 90795 173000 16693 209600 - -
4.2. Borrowings outside India 39095 458 37111 28945 2006 -
Secured borrowings included in 4. 90795 173000 16693 209600 - -
( 16.5) ( 20.1) ( 21.5) ( 9.1) ( 2.1) ( 3.5)
5.1. Bills Payable 5834 3668 1316 153 26 14
5.2. Inter-office adjustments 2 - - - - -
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
144
FOREIGN BANKS
As on March 31
BNP Paribas Calyon Bank Chinatrust
Commercial Bank
Items
2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30)
1. Cash in hand 272 266 20 9 26 46

(-) (-) (-) (-) (0.1) (0.2)
( 5.2) ( 3.6) ( 3.2) ( 1.2) ( 13.8) ( 4.5)
(0.2) (0.1) (0.1) (-) (0.9) ( 1.4)
4. Money at call and short notice - 86224 82233 31446 - -
(-) ( 8.8) ( 18.0) ( 4.8) (-) (-)
( 2.2) (0.6) (0.6) ( 1.0) (0.5) ( 7.2)
6. Investments 269027 356175 146083 403083 4084 1321
( 24.3) ( 26.6) ( 23.2) ( 50.0) ( 14.0) ( 4.4)
(ii) Other approved securities - - - - - -
(iii) Shares - - - - - -
(iv) Debentures and Bonds 1250 1250 - - - -
(vi) Others 18881 15030 67526 76038 782 -
(iii) Others - - - - - -
7. Advances 377161 370988 181238 176299 12817 14847
( 49.7) ( 37.8) ( 39.8) ( 26.6) ( 62.4) ( 76.4)
Type-wise
7A.3. Term loans 178833 231740 43245 36972 3574 4119
Security-wise
7B.2. Covered by Bank/Govt. Guarantees 28431 34356 14865 17549 - -
7B.3. Unsecured 204068 213064 104382 108277 3002 2301
Sector-wise
(iii) Banks - 1 224 - - -
(iv) Others 301428 250994 120650 108996 8164 9268
8. Fixed Assets 5091 12781 3545 3314 54 140
(0.7) ( 1.3) (0.8) (0.5) (0.3) (0.7)
8.1. Premises 3290 10591 2861 2754 - -
9. Other Assets 48914 114219 25098 32608 427 529
( 6.4) ( 11.5) ( 5.5) ( 4.9) ( 2.1) ( 2.7)
9.3. Tax paid - - 7964 6304 207 274
9.5. Others 42122 105696 15594 21510 168 219
Total Assets 758688 982799 455929 661556 20535 19429
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
145
FOREIGN BANKS
As on March 31
Citibank DBS Deutsche
Bank Bank
Items
2008 2009 2008 2009 2008 2009
(31) (32) (33) (34) (35) (36)
1. Capital 260171 260171 95183 95183 330768 363141

( 3.1) ( 2.5) ( 10.5) ( 7.6) ( 13.4) ( 14.6)
( 8.0) ( 8.5) ( 2.1) ( 3.6) ( 4.0) ( 4.5)
2.4. Investments Fluctuations Reserves 1142 5844 322 1172 733 733
3. Deposits 4612501 5167746 509567 602286 1375496 1414737
( 55.0) ( 49.1) ( 56.1) ( 47.9) ( 55.7) ( 56.7)
Type-wise
(i) From banks 15702 9523 52 4201 4842 1378
(ii) From others 1354588 1467443 15205 26232 890679 927103
3A.3. Term deposits 2335083 2714038 493639 569310 420172 420489
(i) From banks 9908 95659 250293 273597 - -
(ii) From others 2325176 2618379 243346 295713 420172 420489
Location-wise
4. Borrowings 1122758 1856630 221234 249707 488178 360093
( 13.4) ( 17.6) ( 24.3) ( 19.9) ( 19.8) ( 14.4)
(i) From Reserve Bank of India 190000 - 67500 42000 160000 0
Secured borrowings included in 4. 193175 584800 123401 170935 234970 128566
( 20.4) ( 22.3) ( 7.0) ( 21.0) ( 7.2) ( 9.8)
5.1. Bills Payable 153596 135836 834 1088 36854 26252
5.2. Inter-office adjustments 81 22 - - 173 159
5.4. Subordinate debt 9500 9500 50453 224623 18054 -
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
146
FOREIGN BANKS
As on March 31
Citibank DBS Deutsche
Bank Bank
Items
2008 2009 2008 2009 2008 2009
(31) (32) (33) (34) (35) (36)
1. Cash in hand 16919 14335 61 78 1067 1209

(0.2) (0.1) ( 0.0) (-) (-) (-)
( 5.4) ( 3.0) ( 2.7) ( 2.6) ( 10.0) ( 6.6)
( 3.0) ( 2.3) ( 16.9) ( 8.6) (-) (-)
4. Money at call and short notice 550 - - - 100300 304320
(-) (-) (-) (-) ( 4.1) ( 12.2)
( 5.3) ( 9.9) (0.4) ( 1.8) ( 2.6) (0.4)
6. Investments 1845008 2451935 451238 781066 1017124 870486
( 15.6) ( 17.3) ( 41.4) ( 53.5) ( 31.9) ( 26.7)
(ii) Other approved securities - - - - 4 4
(iii) Shares 475 352 - - 551 3296
(vi) Others 112926 85752 171312 386395 56396 135430
(iii) Others - - - - - -
7. Advances 3837652 3991994 236414 272285 896013 879763
( 45.8) ( 38.0) ( 26.0) ( 21.7) ( 36.3) ( 35.3)
Type-wise
7A.3. Term loans 2763754 2881320 59909 56928 315118 242275
Security-wise
7B.3. Unsecured 2148038 1877174 108692 106183 624658 639393
Sector-wise
(ii) Public sectors 15749 11430 - - 2 15221
(iii) Banks 60059 44019 - - 26689 42536
(iv) Others 2598386 2764217 125520 160023 678331 531379
8. Fixed Assets 71133 73146 1091 2935 12996 13219
(0.8) (0.7) (0.1) (0.2) (0.5) (0.5)
8.1. Premises 42389 41306 - - 7684 7410
8.2. Fixed assets under construction 2891 8540 - - - 225
9. Other Assets 1466096 2403494 37415 36645 133308 250745
( 17.4) ( 22.8) ( 4.1) ( 2.9) ( 5.4) ( 10.0)
9.1. Inter-office adjustments (net) 1 5 - - - -
9.3. Tax paid 5229 14863 2447 - - -
9.4. Stationery and Stamps - - - - 14 9
9.5. Others 1398440 2303328 28220 19772 115186 235587
Total Assets 8385106 10526359 908638 1256459 2471304 2495487
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
147
FOREIGN BANKS
As on March 31
Hong Kong & Shanghai J P Morgan Chase JSC VTB
Banking Corporation Bank Bank#
Items
2008 2009 2008 2009 2008 2009
(37) (38) (39) (40) (41) (42)
1. Capital 305975 449917 172564 190465 11057

( 4.0) ( 4.8) ( 21.3) ( 18.1) ( 97.7)
2. Reserves and Surplus 539899 671515 34215 60699 -
( 7.1) ( 7.1) ( 4.2) ( 5.8) (-)
2.1. Statutory Reserves 105614 137896 15439 26535 -
2.2 Capital Reserves 132641 156303 - - -
2.3. Share Premium - - - - -
2.4. Investments Fluctuations Reserves - 3357 - - -
2.5. Revenue and other Reserves 287870 281314 - - -
2.6. Balance of Profit 13774 92645 18776 34164 -
3. Deposits 4262029 4997028 331318 358660 207
( 56.1) ( 52.8) ( 40.9) ( 34.1) ( 1.8)
Type-wise
3A.1. Demand deposits 1308698 1325248 139220 151089 207
(i) From banks 9974 11387 31380 20791 -
(ii) From others 1298724 1313861 107840 130298 207
3A.2. Savings bank deposits 656989 738311 - - -
3A.3. Term deposits 2296342 2933469 192098 207571 -
(i) From banks 1500 1358 - - -
(ii) From others 2294842 2932111 192098 207571 -
Location-wise
3B.1. Deposits of branches in India 4262029 4997028 331318 358660 207
3B.2. Deposits of branches outside India - - - - -
4. Borrowings 824581 826845 250622 344655 -
( 10.9) ( 8.7) ( 30.9) ( 32.7) (-)
4.1. Borrowings in India 288287 368429 219999 296471 -
(i) From Reserve Bank of India 3200 - 200000 17500 -
(ii) From other banks - - 10000 129000 -
(iii) From other institutions and agencies 285087 368429 9999 149971 -
4.2. Borrowings outside India 536294 458416 30623 48184 -
Secured borrowings included in 4. 29087 95929 209999 167471 -
( 21.9) ( 26.6) ( 2.6) ( 9.4) (0.5)
5.1. Bills Payable 56676 35969 4 1632 -
5.2. Inter-office adjustments - - - - -
5.3. Interest accrued 65121 82042 4479 5565 -
5.4. Subordinate debt - - - - -
5.5. Deferred Tax Liabilities - - - - -
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
148
FOREIGN BANKS
As on March 31
Hong Kong & Shanghai J P Morgan Chase JSC VTB
Banking Corporation Bank Bank#
Items
2008 2009 2008 2009 2008 2009
(37) (38) (39) (40) (41) (42)
1. Cash in hand 11711 11266 - - 5

(0.2) (0.1) (-) (-) (-)
( 6.3) ( 3.8) ( 3.7) ( 6.9) (0.7)
( 1.2) (0.9) (-) (-) ( 85.8)
4. Money at call and short notice 311319 667072 - - -
( 4.1) ( 7.0) (-) (-) (-)
5. Balances with banks outside India 24011 1740 2931 1331 145
(0.3) (-) (0.4) (0.1) ( 1.3)
6. Investments 1928993 3115382 614277 669440 -
( 18.7) ( 26.0) ( 67.1) ( 59.6) (-)
6.1. Investments in India 1928992 3115381 614278 669440 -
(i) Government securities 1456707 1787491 380276 346474 -
(ii) Other approved securities 675 294 - - -
(iii) Shares 3510 543 - - -
(iv) Debentures and Bonds 47301 158582 14186 5995 -
(v) Subsidiaries and/or joint ventures 5 5 - - -
(vi) Others 420794 1168466 219816 316971 -
6.2. Investments outside India - - - - -
(i) Government securities - - - - -
(ii) Subsidiaries and/or joint ventures - - - - -
(iii) Others - - - - -
7. Advances 2994440 2758869 105933 70255 965
( 39.4) ( 29.2) ( 13.1) ( 6.7) ( 8.5)
Type-wise
7A.1 Bills purchased and discounted 265072 248569 101 401 -
7A.2. Cash credits, overdrafts & loans 1331290 1279410 3286 13817 -
7A.3. Term loans 1398078 1230889 102546 56037 965
Security-wise
7B.1. Secured by tangible assets 1513100 1545596 24071 16228 956
7B.2. Covered by Bank/Govt. Guarantees 70906 97315 - 401 -
7B.3. Unsecured 1410434 1115957 81863 53626 -
Sector-wise
7C.I. Advances in India 2994440 2758869 105933 70254 965
(i) Priority sectors 843983 903744 41466 38675 -
(ii) Public sectors 3590 5 - - -
(iii) Banks - - - - -
(iv) Others 2146867 1855120 64467 31579 965
7C.II. Advances outside India - - - - -
8. Fixed Assets 92671 83532 416 290 195
( 1.2) (0.9) (0.1) (-) ( 1.7)
8.1. Premises 79153 69956 - - -
8.2. Fixed assets under construction - - 4 - -
8.3. Other Fixed assets 13519 13578 412 290 195
9. Other Assets 1657366 2380994 56316 238441 221
( 21.6) ( 25.0) ( 7.0) ( 22.6) ( 2.0)
9.1. Inter-office adjustments (net) - - - - -
9.2. Interest accrued 57592 53729 6622 6714 30
9.3. Tax paid 18502 26407 2107 7805 34
9.4. Stationery and Stamps 30 42 - - -
9.5. Others 1581242 2300817 47588 223923 157
Total Assets 7592053 9462039 810105 1053123 11322
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
149
FOREIGN BANKS
As on March 31
Krung Thai Mashreq Mizuho Corporate
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(43) (44) (45) (46) (47) (48)
1. Capital 3584 3584 4838 4838 34434 64434

( 28.1) ( 23.5) ( 41.3) ( 43.9) ( 28.1) ( 29.5)
( 6.8) ( 5.9) ( 28.7) ( 35.5) ( 4.7) ( 4.6)
2.2. Capital Reserves - - 208 208 - -
2.4. Investments Fluctuations Reserves 216 216 115 130 - -
2.6. Balance of Profit 149 139 -872 -478 3244 6448
3. Deposits 8065 10335 3133 2089 44719 114750
( 63.3) ( 67.9) ( 26.7) ( 19.0) ( 36.5) ( 52.6)
Type-wise
(i) From banks 15 22 2489 1664 44 36
(ii) From others 3075 2089 220 137 21033 34684
3A.3. Term deposits 4628 7754 322 216 23504 79748
(i) From banks - - - - - -
(ii) From others 4628 7754 322 216 23504 79748
Location-wise
4. Borrowings - - - - 35226 18042
(-) (-) (-) (-) ( 28.7) ( 8.3)
4.1. Borrowings in India - - - - 18600 -
(ii) From other banks - - - - 18600 -
(iii) From other institutions and agencies - - - - - -
4.2. Borrowings outside India - - - - 16626 18042
( 1.8) ( 2.6) ( 3.3) ( 1.6) ( 2.0) ( 5.1)
5.1. Bills Payable 6 34 121 32 358 5801
5.5.Deferred Tax Liabilities - - - - - -
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
150
FOREIGN BANKS
As on March 31
Krung Thai Mashreq Mizuho Corporate
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(43) (44) (45) (46) (47) (48)
1. Cash in hand 3 2 - - 8 19
(-) (-) (-) (-) (-) (-)
( 4.9) ( 3.9) ( 4.1) ( 1.6) ( 3.4) ( 6.9)
( 54.4) ( 60.9) ( 17.1) ( 18.2) (0.5) (0.3)
4. Money at call and short notice 650 - 1383 1972 - 35896
( 5.1) (-) ( 11.8) ( 17.9) (-) ( 16.4)
( 8.3) ( 7.8) ( 3.8) ( 1.4) ( 1.7) ( 2.5)
6. Investments 2248 2777 2613 5280 24699 40365
( 17.2) ( 17.8) ( 22.3) ( 47.9) ( 12.0) ( 12.3)
(ii) Other approved securities - - 102 100 - -
(iii) Shares - - - - - -
(iv) Debentures and Bonds 70 70 - - - -
(vi) Others 87 91 - 301 5188 5020
(iii) Others - - - - - -
7. Advances 891 926 4083 977 85670 111915
( 7.0) ( 6.1) ( 34.9) ( 8.9) ( 70.2) ( 51.3)
Type-wise
7A.2. Cash credits, overdrafts & loans 349 348 - - 63217 76556
7A.3. Term loans - - 9 5 21212 34085
Security-wise
7B.2. Covered by Bank/Govt. Guarantees - - 4074 972 - -
7B.3. Unsecured - 27 - - 51669 72807
Sector-wise
(iii) Banks - - - - - -
(iv) Others 317 899 9 5 62535 82522
8. Fixed Assets 48 25 128 106 1299 2357
(0.4) (0.2) ( 1.1) ( 1.0) ( 1.1) ( 1.1)
8.1. Premises - - - - - -
9. Other Assets 289 441 591 353 4031 6699
( 2.3) ( 2.9) ( 5.0) ( 3.2) ( 3.3) ( 3.1)
9.3. Tax paid 25 20 403 127 678 1119
9.4. Stationery and Stamps - - - - - -
9.5. Others 125 316 81 126 3285 5514
Total Assets 12747 15225 11716 11014 122538 218352
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
151
FOREIGN BANKS
As on March 31
Oman International Shinhan Societe Generale
Bank Bank
Items
2008 2009 2008 2009 2008 2009
(49) (50) (51) (52) (53) (54)
1. Capital 15851 15851 16871 16871 29835 29835

( 41.1) ( 40.3) ( 23.8) ( 16.3) ( 9.5) ( 13.8)
( 2.1) ( 2.4) ( 8.7) ( 7.8) ( 2.3) ( 3.8)
2.2. Capital Reserves - - - - - -
2.4. Investments Fluctuations Reserves 34 126 - - - 467
2.5. Revenue and other Reserves - - - - - -
2.6. Balance of Profit - - - - 3022 2502
3. Deposits 17681 18659 33588 76599 136283 82464
( 45.8) ( 47.5) ( 47.5) ( 73.9) ( 43.3) ( 38.2)
Type-wise
(i) From banks 128 184 178 109 1105 59
(ii) From others 730 807 13406 17399 8071 5583
3A.3. Term deposits 12910 12896 19571 58477 124746 75840
(i) From banks - - - - - -
(ii) From others 12910 12896 19571 58477 124746 75840
Location-wise
4. Borrowings 3310 3043 10261 - 135822 91907
( 8.6) ( 7.7) ( 14.5) (-) ( 43.2) ( 42.6)
4.1. Borrowings in India - - 6650 - 133712 91860
(ii) From other banks - - 6650 - 10030 40873
(iii) From other institutions and agencies - - - - 123682 50987
4.2. Borrowings outside India 3310 3043 3611 - 2109 47
Secured borrowings included in 4. - - - - 123682 50987
( 2.5) ( 2.0) ( 5.5) ( 2.0) ( 1.7) ( 1.5)
5.1. Bills Payable 61 62 131 148 173 159
5.2. Inter-office adjustments - 3 - - - -
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
152
FOREIGN BANKS
As on March 31
Oman International Shinhan Societe Generale
Bank Bank
Items
2008 2009 2008 2009 2008 2009
(49) (50) (51) (52) (53) (54)
1. Cash in hand 48 47 68 80 17 15
(0.1) (0.1) (0.1) (0.1) (-) (-)
( 3.9) ( 2.3) ( 5.6) ( 4.2) ( 3.7) ( 2.1)
( 23.3) ( 25.9) ( 28.9) ( 15.9) (-) (-)
4. Money at call and short notice - - - 12544 - -
(-) (-) (-) ( 12.1) (-) (-)
(0.5) (0.1) ( 1.5) ( 2.1) ( 0.0) (0.2)
6. Investments 9320 9377 11761 20269 251649 153975
( 24.1) ( 23.7) ( 11.6) ( 13.6) ( 71.4) ( 61.5)
(ii) Other approved securities - - - - - -
(iii) Shares - - - - - -
(iv) Debentures and Bonds - - - - 63317 47
(vi) Others - - - - 37477 62027
(iii) Others - - - - - -
7. Advances 147 192 31385 45760 38454 36584
(0.4) (0.5) ( 44.4) ( 44.2) ( 12.2) ( 17.0)
Type-wise
7A.1 Bills purchased and discounted - - 930 200 694 2111
7A.3. Term loans 139 174 16607 20773 20624 12595
Security-wise
7B.2. Covered by Bank/Govt. Guarantees - - 7248 16154 10744 9776
7B.3. Unsecured - - 14868 22062 6626 14473
Sector-wise
(i) Priority sectors - - 11295 10866 14364 13037
(iii) Banks - - - - 340 1468
(iv) Others 147 192 20090 34894 23749 22079
8. Fixed Assets 1561 1440 144 91 3099 3313
( 4.0) ( 3.7) (0.2) (0.1) ( 1.0) ( 1.5)
8.1. Premises 1532 1422 - - 2613 2606
8.2. Fixed assets under construction - - - - - -
9. Other Assets 16830 17118 1944 1901 9554 16863
( 41.9) ( 42.0) ( 2.7) ( 1.8) ( 3.0) ( 7.7)
9.1. Inter-office adjustments (net) 3 - - - - -
9.3. Tax paid 494 505 35 - - -
9.4. Stationery and Stamps - - - - - -
9.5. Others 15390 15860 580 761 5751 14629
Total Assets 38593 39316 70757 103589 314586 215835
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
153
FOREIGN BANKS
As on March 31
Sonali Bank Standard Chartered
Bank
Items
2008 2009 2008 2009
(55) (56) (57) (58)
1. Capital 20 20 67580 67580

(0.6) (0.4) (0.9) (0.7)
( 13.5) ( 10.3) ( 10.5) ( 9.8)
2.3. Share Premium - - - -
2.4. Investments Fluctuations Reserves - - - -
2.5. Revenue and other Reserves - - 442235 535243
2.6. Balance of Profit 75 113 22958 72958
3. Deposits 2345 4196 3700351 4180176
( 65.0) ( 78.4) ( 50.4) ( 42.9)
Type-wise
(i) From banks 1029 2718 54566 53555
(ii) From others 696 813 1050505 1044394
3A.3. Term deposits 436 473 1946540 2379986
(i) From banks - - 83336 99232
(ii) From others 436 473 1863204 2280754
Location-wise
4. Borrowings - - 695076 662259
(-) (-) ( 9.5) ( 6.8)
4.1. Borrowings in India - - 213309 195947
(i) From Reserve Bank of India - - - 66500
(ii) From other banks - - 116721 22506
(iii) From other institutions and agencies - - 96588 106941
4.2. Borrowings outside India - - 481767 466312
Secured borrowings included in 4. - - - -
( 20.9) ( 10.9) ( 28.8) ( 39.8)
5.1. Bills Payable - - 53286 34304
5.2. Inter-office adjustments 2 8 - -
5.3. Interest accrued - - 34873 38456
5.4. Subordinate debt - - 139800 293100
5.5. Deferred Tax Liabilities - - - -
5.6. Others (including provisions) 753 577 1884101 3513240
( 100.0) ( 100.0) ( 100.0) ( 100.0)
154
FOREIGN BANKS
As on March 31
Sonali Bank Standard Chartered
Bank
Items
2008 2009 2008 2009
(55) (56) (57) (58)
1. Cash in hand 42 77 16723 21810

( 1.2) ( 1.4) (0.2) (0.2)
( 5.5) ( 3.9) ( 6.1) ( 2.4)
( 3.4) ( 3.1) (0.9) (0.6)
4. Money at call and short notice 100 50 22472 0
( 2.8) (0.9) (0.3) (-)
( 29.6) ( 49.7) (0.2) ( 1.2)
6. Investments 535 547 1278726 1555156
( 13.8) ( 9.8) ( 12.4) ( 11.9)
(ii) Other approved securities - - - -
(iii) Shares - - 1804 1776
(iv) Debentures and Bonds - - 38155 37795
(v) Subsidiaries and/or joint ventures - - 1 1
(vi) Others 108 71 81172 113453
6.2. Investments outside India - - - -
(iii) Others - - - -
7. Advances 786 1066 3335153 3751602
( 21.8) ( 19.9) ( 45.4) ( 38.7)
Type-wise
7A.1 Bills purchased and discounted 531 823 372862 421934
7A.3. Term loans 83 66 1300788 1446704
Security-wise
7B.2. Covered by Bank/Govt. Guarantees - - 54905 30561
7B.3. Unsecured 613 888 1489484 1562558
Sector-wise
(ii) Public sectors - - 3402 1537
(iii) Banks - - - -
(iv) Others 254 244 2384312 2684857
8. Fixed Assets 17 14 172329 234755
(0.5) (0.3) ( 2.3) ( 2.4)
8.1. Premises - - 160505 160009
8.2. Fixed assets under construction - - 5162 58978
9. Other Assets 744 562 1991437 3785753
( 20.6) ( 10.5) ( 26.6) ( 38.4)
9.3. Tax paid 407 244 25554 27297
9.4. Stationery and Stamps 1 - 23 21
9.5. Others 320 302 1921290 3712751
Total Assets 3609 5354 7344492 9749216
( 100.0) ( 100.0) ( 100.0) ( 100.0)
155
FOREIGN BANKS
As on March 31
State Bank of UBS AG #
Mauritius
Items
2008 2009 2008 2009
(59) (60) (61) (62)
1. Capital 8339 11540 28374

( 18.3) ( 18.4) ( 94.9)
2. Reserves and Surplus 7576 4896 -
( 16.6) ( 7.8) (-)
2.1. Statutory Reserves 2120 2262 -
2.2. Capital Reserves 581 581 -
2.3. Share Premium - - -
2.4. Investments Fluctuations Reserves - - -
2.5. Revenue and other Reserves 1674 1629 -
2.6. Balance of Profit 3201 424 -
3. Deposits 24811 37224 -
( 54.5) ( 59.4) (-)
Type-wise
3A.1. Demand deposits 2609 2265 -
(i) From banks 104 45 -
(ii) From others 2505 2220 -
3A.2. Savings bank deposits 490 353 -
3A.3. Term deposits 21712 34606 -
(i) From banks - - -
(ii) From others 21712 34606 -
Location-wise
3B.1. Deposits of branches in India 24810 37225 -
3B.2. Deposits of branches outside India - - -
4. Borrowings 3400 7500 -
( 7.5) ( 12.0) -
4.1. Borrowings in India 3400 7500 -
(i) From Reserve Bank of India - - -
(ii) From other banks 2500 7500 -
(iii) From other institutions and agencies 900 - -
4.2. Borrowings outside India - - -
Secured borrowings included in 4. 900 - -
5. Other liabilities and provisions 1397 1524 1520
( 3.1) ( 2.4) ( 5.1)
5.1 .Bills Payable 76 66 -
5.2. Inter-office adjustments - - -
5.3. Interest accrued 280 392 -
5.4. Subordinate debt - - -
5.5. Deferred Tax Liabilities 394 382 -
5.6. Others (including provisions) 646 683 1520
Total Liabilities 45522 62684 29895
( 100.0) ( 100.0) ( 100.0)
156
FOREIGN BANKS
As on March 31
State Bank of UBS AG #
Mauritius
Items
2008 2009 2008 2009
(59) (60) (61) (62)
1. Cash in hand 22 27 -
(-) (-) (-)
2. Balances with RBI 2423 1557 171
( 5.3) ( 2.5) (0.6)
3. Balances with banks in india 54 16 17542
(0.1) (-) ( 60.8)
4. Money at call and short notice 6343 10604 -
( 13.9) ( 16.9) (-)
5. Balances with banks outside India 152 574 -
(0.3) (0.9) (-)
6. Investments 9001 13281 7485
( 13.6) ( 14.3) ( 25.9)
6.1. Investments in India 9000 13281 7485
(i) Government securities 8889 13207 7485
(ii) Other approved securities - - -
(iii) Shares - - -
(iv) Debentures and Bonds 111 74 -
(v) Subsidiaries and/or joint ventures - - -
(vi) Others - - -
6.2. Investments outside India - - -
(i) Government securities - - -
(ii) Subsidiaries and/or joint ventures - - -
(iii) Others - - -
7. Advances 21414 30266 -
( 47.0) ( 48.3) (-)
Type-wise
7A.1 Bills purchased and discounted 533 4 -
7A.2. Cash credits, overdrafts & loans 4058 6392 -
7A.3. Term loans 16823 23870 -
Security-wise -
7B.1. Secured by tangible assets 16975 27595 -
7B.2. Covered by Bank/Govt. Guarantees 100 - -
7B.3. Unsecured 4340 2670 -
Sector-wise -
7C.I. Advances in India 21414 30266 -
(i) Priority sectors 5049 7869 -
(ii) Public sectors - - -
(iii) Banks - - -
(iv) Others 16365 22397 -
7C.II. Advances outside India - - -
8. Fixed Assets 3236 3082 1104
( 7.1) ( 4.9) ( 3.8)
8.1. Premises 3120 3036 -
8.2. Fixed assets under construction - - 1043
8.3. Other Fixed assets 116 44 62
9. Other Assets 2876 3277 3593
( 5.9) ( 5.0) ( 12.5)
9.1. Inter-office adjustments (net) - - -
9.3. Tax paid 2290 2361 -
9.4. Stationery and Stamps - - -
9.5. Others 262 547 3501
Total Assets 45522 62684 29895
( 100.0) ( 100.0) ( 100.0)
157
OTHER SCHEDULED COMMERCIAL BANKS
As on March 31
Axis Bank of Catholic Syrian
Bank Rajasthan Bank
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
1. Capital 35771 35901 13446 16135 1254 1888

(0.3) (0.2) (0.9) (0.9) (0.2) (0.3)
( 7.7) ( 6.7) ( 5.1) ( 5.1) ( 4.9) ( 5.2)
2.3. Share Premium 587322 591151 1095 - 4337 8630
2.4. Investments Fluctuations Reserves - 6 - 71 74 122
2.6. Balance of Profit 155387 234809 18569 23434 - 1
3. Deposits 8762622 11737411 1384935 1518714 531761 633283
( 80.0) ( 79.5) ( 87.6) ( 88.2) ( 89.2) ( 90.0)
Type-wise
(i) From banks 89573 133156 5085 7146 620 193
(ii) From others 1914885 2349005 156691 140358 28172 31199
3A.3. Term deposits 4759923 6673038 975201 1102410 383769 468470
(i) From banks 368419 556418 90581 128344 - 2300
(ii) From others 4391504 6116620 884620 974066 383769 466170
Location-wise
4. Borrowings 562404 1018548 9175 128 631 13
( 5.1) ( 6.9) (0.6) (-) (0.1) (-)
(i) From Reserve Bank of India - 107955 1500 - - -
(ii) From other banks - 30000 5119 2 11 -
Secured borrowings included in 4. - - 52 2 - -
( 6.9) ( 6.7) ( 5.8) ( 5.7) ( 5.6) ( 4.5)
5.1. Bills Payable 227488 193677 9953 10071 4089 1351
5.2. Inter-office adjustments - - 3680 - 3605 2883
5.4. Subordinate debt 188240 351630 - - - -
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
158
As on March 31
Axis Bank of Catholic Syrian
Bank Rajasthan Bank
Items
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
1. Cash in hand 152033 154148 9799 11446 4530 5143

( 1.4) ( 1.0) (0.6) (0.7) (0.8) (0.7)
( 5.3) ( 5.3) ( 7.0) ( 3.4) ( 7.7) ( 4.5)
( 3.9) ( 3.0) ( 10.6) ( 4.0) ( 1.0) ( 7.9)
4. Money at call and short notice 46804 19085 800 46567 - -
(0.4) (0.1) (0.1) ( 2.7) - -
(0.5) (0.7) (-) (0.1) (0.3) (0.3)
6. Investments 3370510 4633035 472920 680915 181943 218397
( 20.2) ( 20.4) ( 20.7) ( 27.6) ( 19.8) ( 20.5)
(iii) Shares 58559 58507 1729 1056 572 254
(v) Subsidiaries and/or joint ventures 3800 9760 35 35 - -
(vi) Others 156884 319357 114770 183729 39282 50907
(iii) Others 60857 78861 - - - -
7. Advances 5966114 8155677 743388 778075 331356 368384
( 54.5) ( 55.2) ( 47.1) ( 45.2) ( 55.6) ( 52.3)
Type-wise
7A.3. Term loans 4119428 5772443 464238 519977 167593 168759
Security-wise
7B.3. Unsecured 964392 1096282 109366 105404 19747 46108
Sector-wise
(iii) Banks 2763 1851 5195 1558 5996 5539
(iv) Others 3767413 4826482 466927 491405 192219 221310
8. Fixed Assets 92285 107289 52850 52459 7837 8373
(0.8) (0.7) ( 3.3) ( 3.0) ( 1.3) ( 1.2)
8.1. Premises 4141 7739 48020 47548 4549 4479
9. Other Assets 278451 374515 21208 23497 15936 14096
( 2.5) ( 2.5) ( 1.3) ( 1.3) ( 2.7) ( 2.0)
9.3. Tax paid 4478 4204 - 1958 3270 2791
9.5. Others 183094 238036 11001 13472 7306 6223
Total Assets 10957785 14772205 1580215 1722440 596020 704008
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
159
As on March 31
Centurion Bank of City Union Development Credit
Punjab # Bank Bank
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
1. Capital 22114 3200 3200 17430 17430

(0.8) (0.4) (0.3) ( 2.3) ( 2.9)
2. Reserves and Surplus 184814 53486 62892 46184 42403
( 6.9) ( 7.3) ( 6.8) ( 6.1) ( 7.1)
2.1. Statutory Reserves 21815 22075 25200 9233 9233
2.2. Capital Reserves 65 1678 3814 3868 9288
2.3. Share Premium 135460 15546 15546 53289 53289
2.4. Investments Fluctuations Reserves 702 - 131 234 321
2.5. Revenue and other Reserves 2123 13700 17700 180 261
2.6. Balance of Profit 24649 487 501 -20620 -29989
3. Deposits 2180927 642496 820662 607485 464689
( 81.0) ( 87.4) ( 88.7) ( 80.1) ( 78.2)
Type-wise
3A.1. Demand deposits 215363 62080 69511 63475 66940
(i) From banks 14732 58 193 179 301
(ii) From others 200631 62022 69318 63296 66639
3A.2. Savings bank deposits 327941 72339 85605 83954 77165
3A.3. Term deposits 1637623 508077 665546 460056 320584
(i) From banks 199458 16495 3281 51706 39565
(ii) From others 1438165 491582 662265 408350 281019
Location-wise
3B.1. Deposits of branches in India 2180927 642496 820662 607485 464689
3B.2. Deposits of branches outside India - - - - -
4. Borrowings 98504 264 15 42680 34552
( 3.7) (-) (-) ( 5.6) ( 5.8)
4.1. Borrowings in India 58346 264 15 31000 28090
(i) From Reserve Bank of India - - - - -
(ii) From other banks 83 20 1 0 -
(iii) From other institutions and agencies 58263 244 14 31000 28090
4.2. Borrowings outside India 40158 - - 11680 6462
Secured borrowings included in 4. - - - - -
( 7.6) ( 4.8) ( 4.1) ( 5.9) ( 5.9)
5.1. Bills Payable 57521 12814 9467 10831 8123
5.2. Inter-office adjustments 380 - - 89 6
5.4. Subordinate debt 29370 - - 16600 10000
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
160
As on March 31
Centurion Bank of City Union Development Credit
Punjab # Bank Bank
Items
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
1. Cash in hand 18206 11383 16366 4086 2959

(0.7) ( 1.5) ( 1.8) (0.5) (0.5)
( 5.6) ( 7.9) ( 4.7) ( 8.4) ( 4.2)
( 1.0) ( 1.6) ( 2.7) ( 1.3) (0.8)
4. Money at call and short notice 14408 - - 27491 31993
(0.5) - - ( 3.6) ( 5.4)
5. Balances with banks outside India 6975 213 3728 1006 851
(0.3) (-) (0.4) (0.1) (0.1)
6. Investments 694522 171796 239746 213456 162173
( 16.2) ( 14.6) ( 16.3) ( 18.7) ( 17.9)
6.1. Investments in India 694522 171795 239747 213457 162171
(i) Government securities 579212 149348 195723 169469 125036
(ii) Other approved securities 180 392 273 1981 1712
(iii) Shares 997 1298 2209 197 98
(iv) Debentures and Bonds 7802 5569 7154 4439 499
(v) Subsidiaries and/or joint ventures 497 470 - - -
(vi) Others 105834 14718 34388 37371 34826
(iii) Others - - - - - -
7. Advances 1618187 453706 564525 406880 327402
( 60.1) ( 61.7) ( 61.0) ( 53.7) ( 55.1)
Type-wise
7A.1 Bills purchased and discounted 27254 12580 16317 24809 15594
7A.2. Cash credits, overdrafts & loans 558930 203564 203564 97890 91129
7A.3. Term loans 1032003 237562 237562 284180 220679
Security-wise
7B.1. Secured by tangible assets 1337910 434008 538338 289266 230932
7B.2. Covered by Bank/Govt. Guarantees 33703 6675 7275 - -
7B.3. Unsecured 246574 13023 18912 117614 96470
Sector-wise
7C.I. Advances in India 1618187 453706 564526 406879 327401
(i) Priority sectors 496222 154792 182493 143803 137135
(ii) Public sectors 5407 6675 7275 3527 3315
(iii) Banks 4965 - - 67 72
(iv) Others 1111593 292239 374758 259482 186879
8. Fixed Assets 36347 4347 4129 9978 14893
( 1.4) (0.6) (0.4) ( 1.3) ( 2.5)
8.1. Premises 5593 1093 1092 4597 9358
8.2. Fixed assets under construction 33 - - - -
8.3. Other Fixed assets 30721 3254 3038 5381 5535
9. Other Assets 125673 23356 28191 21775 24495
( 4.7) ( 3.2) ( 3.0) ( 2.9) ( 4.1)
9.1. Inter-office adjustments (net) - 1553 135 - -
9.3. Tax paid 7986 15255 18848 8936 9336
9.4 Stationery and Stamps 32 48 45 27 21
9.5. Others 94971 2534 4364 10402 13162
Total Assets 2691082 734897 925101 758245 594302
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
161
As on March 31
Dhanalakshmi Bank Federal Bank HDFC Bank
Punjab
Items
2008 2009 2008 2009 2008 2009
(13) (14) (15) (16) (17) (18)
1. Capital 3206 6412 17103 17103 35443 42538

(0.8) ( 1.1) (0.5) (0.4) (0.3) (0.2)
( 3.5) ( 6.4) ( 11.6) ( 10.7) ( 8.4) ( 7.8)
2.3. Share Premium 3833 20503 247526 247526 647947 654380
2.4. Investments Fluctuations Reserves - - 18972 18972 4148 2762
2.6. Balance of Profit 1 1 1462 2193 257463 345557
3. Deposits 360843 496880 2591335 3219819 10076860 14281158
( 89.5) ( 88.1) ( 79.7) ( 82.9) ( 75.7) ( 77.9)
Type-wise
(i) From banks 4 1 3113 8579 84471 75922
(ii) From others 41206 46077 143325 135681 2791499 2768570
3A.3. Term deposits 255350 376118 1941237 2430975 4585496 7945192
(i) From banks 13276 9350 37348 9921 151959 163053
(ii) From others 242074 366768 1903889 2421054 4433537 7782139
Location-wise
3B.2. Deposits of branches outside India - - - - - 4452
4. Borrowings 400 - 79195 74894 459492 268584
(0.1) - ( 2.4) ( 1.9) ( 3.5) ( 1.5)
4.1. Borrowings in India 400 - 57856 64877 88700 71840
(i) From Reserve Bank of India 400 - - - - -
(ii) From other banks - - 500 - 88678 65562
(iii) From other institutions and agencies - - 57356 64877 22 6278
4.2. Borrowings outside India - - 21339 10016 370792 196744
Secured borrowings included in 4. - - - - 22 -
( 6.2) ( 4.4) ( 5.8) ( 4.1) ( 12.3) ( 12.6)
5.1. Bills Payable 4608 3241 6062 3201 315721 292241
5.4. Subordinate debt 8200 8200 - - 324910 647780
5.5. Deferred Tax Liabilities - - 8663 5049 - -
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
162
As on March 31
Dhanalakshmi Bank Federal Bank HDFC Bank
Punjab
Items
2008 2009 2008 2009 2008 2009
(13) (14) (15) (16) (17) (18)
1. Cash in hand 5283 7887 24048 22049 94009 158619

( 1.3) ( 1.4) (0.7) (0.6) (0.7) (0.9)
( 7.5) ( 5.6) ( 6.5) ( 5.1) ( 8.7) ( 6.5)
( 8.0) ( 5.1) (0.7) ( 1.5) (0.7) (0.5)
4. Money at call and short notice - - - 12000 105285 244307
- - - (0.3) (0.8) ( 1.3)
(0.4) (0.1) (0.5) ( 1.3) (0.1) (0.3)
6. Investments 107506 156736 1002659 1211897 4939354 5881755
( 18.0) ( 18.1) ( 20.1) ( 20.2) ( 25.3) ( 21.2)
(iii) Shares 159 198 23297 15376 3447 3973
(v) Subsidiaries and/or joint ventures - - 6200 12730 12378 15510
(vi) Others 13379 14894 161181 291993 1131719 452182
(iii) Others - - - - 22 22
7. Advances 210203 319606 1890466 2239188 6342689 9888305
( 52.1) ( 56.6) ( 58.2) ( 57.6) ( 47.6) ( 54.0)
Type-wise
7A.3. Term loans 91071 157663 897373 1110574 4635183 7243051
Security-wise
7B.3. Unsecured 18854 43874 208880 383391 1901149 2291961
Sector-wise
(iii) Banks 249 - - - 875 36667
(iv) Others 115646 198827 1095922 1379435 4551465 6481830
7C.II. Advances outside India - - - - - 83338
8. Fixed Assets 4708 4621 23284 28078 117509 170673
( 1.2) (0.8) (0.7) (0.7) (0.9) (0.9)
8.1. Premises 2867 2735 12891 17667 44287 56780
9. Other Assets 11638 14713 59687 62215 440274 635683
( 2.9) ( 2.6) ( 1.8) ( 1.6) ( 3.3) ( 3.5)
9.1. Inter-office adjustments (net) 1198 1009 - - - -
9.3. Tax paid 2116 2508 25586 24300 40714 90643
9.5. Others 2727 5316 9608 11530 277689 400104
Total Assets 403298 564282 3250646 3885086 13317660 18327077
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
163
As on March 31
ICICI Bank IndusInd Bank ING Vysya Bank
Items
2008 2009 2008 2009 2008 2009
(19) (20) (21) (22) (23) (24)
1. Capital 146268 146329 32000 35519 10247 10260

(0.4) (0.4) ( 1.4) ( 1.3) (0.4) (0.3)
( 11.3) ( 12.8) ( 4.4) ( 4.7) ( 5.6) ( 5.0)
2.1.Statutory Reserves 393938 487938 9881 13589 26223 30943
2.2.Capital Reserves 80100 161900 3227 8568 99467 99750
2.3.Share Premium 3124710 3129174 41296 59996 - -
2.4.Investments Fluctuations Reserves - - - 153 782 1012
2.5.Revenue and other Reserves 693373 781996 24268 23914 6493 7670
2.6.Balance of Profit 243632 280965 24299 24700 10353 20653
3. Deposits 24443104 21834783 1903741 2211026 2045756 2488993
( 61.1) ( 57.6) ( 81.8) ( 80.1) ( 80.1) ( 78.1)
Type-wise
(i) From banks 50183 74555 3689 4025 10805 18209
(ii) From others 2418945 2088614 176500 291472 322121 313242
3A.3. Term deposits 18065045 15567999 1604910 1785535 1400513 1817700
(i) From banks 1250243 1580178 140907 237822 297203 369893
(ii) From others 16814802 13987821 1464003 1547713 1103310 1447807
Location-wise
4. Borrowings 6564843 6732369 109543 185646 124981 215242
( 16.4) ( 17.7) ( 4.7) ( 6.7) ( 4.9) ( 6.8)
(i) From Reserve Bank of India - - 1900 20000 6500 -
(ii) From other banks 321056 232463 6478 5909 - -
( 10.7) ( 11.5) ( 7.6) ( 7.2) ( 9.0) ( 9.8)
5.1. Bills Payable 290080 182513 31737 27497 54154 36671
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
164
As on March 31
ICICI Bank IndusInd Bank ING Vysya Bank
Items
2008 2009 2008 2009 2008 2009
(19) (20) (21) (22) (23) (24)
1. Cash in hand 284782 285571 10808 14188 18999 26913

(0.7) (0.8) (0.5) (0.5) (0.7) (0.8)
( 6.6) ( 3.9) ( 6.1) ( 3.8) ( 8.2) ( 4.8)
(0.3) ( 1.2) ( 2.3) ( 2.2) ( 1.7) (0.5)
(0.7) (0.7) (0.1) (0.3) (0.8) ( 1.0)
( 1.2) ( 1.4) (0.4) (0.1) ( 1.1) (-)
6. Investments 11145434 10305831 662970 808341 629332 1049554
( 18.3) ( 17.7) ( 18.6) ( 19.3) ( 16.0) ( 22.0)
(iii) Shares 292008 170313 3906 3572 532 300
(vi) Others 2028330 1966888 111045 173482 128292 110807
(iii) Others 232578 289220 - - - -
7. Advances 22561608 21831085 1279531 1577064 1464955 1675093
( 56.4) ( 57.6) ( 55.0) ( 57.1) ( 57.6) ( 52.8)
Type-wise
7A.3. Term loans 17557944 16963476 863932 929527 793289 927834
Security-wise
7B.3. Unsecured 5209380 5926402 93468 123346 296563 297400
Sector-wise
(iii) Banks 459 2526 489 773 3837 339
(iv) Others 11777733 10159310 764632 1002005 922346 1052186
8. Fixed Assets 410890 380162 62515 62319 39921 43720
( 1.0) ( 1.0) ( 2.7) ( 2.3) ( 1.6) ( 1.4)
8.1. Premises 196169 199709 38532 38328 18913 18586
8.2. Fixed assets under construction - - 963 1395 12170 15188
9. Other Assets 2057463 2416362 103370 121375 101306 189107
( 5.1) ( 6.3) ( 4.4) ( 4.3) ( 4.0) ( 5.9)
9.3. Tax paid 406610 378156 22017 24367 4633 3192
9.5. Others 1302175 1624367 61790 75989 76758 159445
Total Assets 39979508 37930096 2326188 2761468 2553990 3185699
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
165
As on March 31
Jammu & Karnataka Karur Vysya
Kashmir Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30)
1. Capital 4849 4849 12135 12158 5394 5395

(0.1) (0.1) (0.6) (0.5) (0.4) (0.3)
( 6.8) ( 6.8) ( 6.5) ( 6.3) ( 7.8) ( 7.6)
2.3. Share Premium 8678 8678 15961 16294 11973 11979
2.4. Investments Fluctuations Reserves - - 150 150 138 -
3. Deposits 2859326 3300411 1701619 2033328 1255000 1510140
( 87.3) ( 87.6) ( 88.0) ( 89.0) ( 86.1) ( 88.5)
Type-wise
(i) From banks 5881 6583 220 220 1337 573
(ii) From others 423615 455935 111709 115481 152589 149104
3A.3. Term deposits 1739576 2042544 1324853 1627684 933791 1179581
(i) From banks 258582 395419 30734 5504 47136 51023
(ii) From others 1480994 1647125 1294119 1622180 886655 1128558
Location-wise
4. Borrowings 75179 99663 14220 397 32834 2304
( 2.3) ( 2.6) (0.7) (-) ( 2.3) (0.1)
(ii) From other banks 11 35 - 6 12636 -
4.2. Borrowings outside India 4425 - 10100 - 10369 405
( 3.5) ( 2.8) ( 4.1) ( 4.2) ( 3.5) ( 3.4)
5.1. Bills Payable 32305 31355 20744 14530 19116 18788
5.5. Deferred Tax Liabilities - - 8533 6078 288 149

(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
166
As on March 31
Jammu & Karnataka Karur Vysya
Kashmir Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30)
1. Cash in hand 11731 15205 11850 12767 17483 17223

(0.4) (0.4) (0.6) (0.6) ( 1.2) ( 1.0)
( 9.5) ( 5.7) ( 7.1) ( 5.4) ( 6.3) ( 4.6)
(0.3) ( 1.2) (0.6) (0.3) (0.6) ( 2.4)
4. Money at call and short notice 110209 251331 - - - -
( 3.4) ( 6.7) - - - -
(-) (-) (0.1) (0.1) (-) (-)
6. Investments 875766 1073633 632652 896149 352633 471598
( 17.2) ( 18.5) ( 21.5) ( 26.3) ( 15.1) ( 17.7)
(iii) Shares 6066 4937 10741 8507 6321 7480
(v) Subsidiaries and/or joint ventures 23009 24238 2248 2250 - -
(vi) Others 54648 171758 51889 147546 18822 57261
(iii) Others - - - - - -
7. Advances 1888261 2093041 1084197 1181004 942153 1040988
( 57.7) ( 55.5) ( 56.1) ( 51.7) ( 64.6) ( 61.0)
Type-wise
7A.3. Term loans 1162195 1375432 457883 483736 386410 354095
Security-wise
7B.3. Unsecured 252773 195635 93495 107701 128552 74431
Sector-wise
(iii) Banks 30411 590 1079 53 25 -
(iv) Others 1011971 1244601 645118 688017 451957 542105
8. Fixed Assets 19200 19941 11977 13849 10941 11569
(0.6) (0.5) (0.6) (0.6) (0.8) (0.7)
8.1 Premises 9913 10130 6481 8015 4933 5369
8.2 Fixed assets under construction 979 313 - - 1 -
9. Other Assets 48647 55234 43011 48705 33919 44502
( 1.5) ( 1.5) ( 2.2) ( 2.1) ( 2.3) ( 2.6)
9.3. Tax paid 5397 7177 18007 15847 3287 1950
9.5. Others 25407 26765 10820 17992 16931 28222
Total Assets 3275599 3769326 1933982 2285781 1458303 1706074
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
167
As on March 31
Kotak Mahindra Lakshmi Vilas Nainital
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(31) (32) (33) (34) (35) (36)
1. Capital 34467 34567 4877 4878 3000 3000

( 1.2) ( 1.2) (0.7) (0.6) ( 1.5) ( 1.2)
( 11.5) ( 12.4) ( 5.7) ( 4.9) ( 5.6) ( 6.0)
2.3. Share Premium 213867 216752 11763 11764 2600 2600
2.4. Investments Fluctuations Reserves - 4170 - - - 173
3. Deposits 1642365 1564493 561848 736091 179000 213723
( 58.0) ( 54.5) ( 86.2) ( 88.5) ( 86.9) ( 87.6)
Type-wise
(i) From banks 5413 7432 694 986 157 174
(ii) From others 309824 334384 55225 48222 12999 12724
3A.3. Term deposits 1175374 1052586 440078 612561 97845 121244
(i) From banks 54119 31107 11946 28373 13617 18415
(ii) From others 1121255 1021479 428132 584188 84228 102829
Location-wise
4. Borrowings 511925 590407 5279 3260 2162 1443
( 18.1) ( 20.6) (0.8) (0.4) ( 1.0) (0.6)
(i) From Reserve Bank of India 151100 11000 - - - -
(ii) From other banks 147772 65021 - - - -
4.2. Borrowings outside India 24602 13849 5 2 - -
( 11.2) ( 11.3) ( 6.6) ( 5.7) ( 4.9) ( 4.6)
5.1. Bills Payable 50440 42528 9799 9813 4225 3785
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
168
As on March 31
Kotak Mahindra Lakshmi Vilas Nainital
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(31) (32) (33) (34) (35) (36)
1. Cash in hand 11756 14970 5923 9771 1361 1309

(0.4) (0.5) (0.9) ( 1.2) (0.7) (0.5)
( 5.5) ( 2.9) ( 5.0) ( 5.9) ( 5.5) ( 4.3)
(0.7) (0.4) ( 3.2) ( 3.1) ( 19.1) ( 22.6)
4. Money at call and short notice 14000 - - - 1235 3284
(0.5) - - - (0.6) ( 1.3)
5. Balances with banks outside India 10883 4203 1896 2843 - -
(0.4) (0.1) (0.3) (0.3) (-) -
6. Investments 914199 911018 169368 186306 48348 56060
( 21.0) ( 20.3) ( 16.8) ( 14.2) ( 15.9) ( 15.7)
(iii) Shares 4550 290 942 928 8 4
(v) Subsidiaries and/or joint ventures 29340 31943 - - - -
(vi) Others 53258 55741 7660 11105 4631 8123
6.2.Investments outside India 1376 1376 - - - -
(iii) Others - - - - - -
7. Advances 1555222 1662534 385879 524583 99486 113146
( 54.9) ( 57.9) ( 59.2) ( 63.1) ( 48.3) ( 46.4)
Type-wise
7A.3. Term loans 1370665 1393911 130781 204386 43790 47426
Security-wise
7B.2. Covered by Bank/Govt. Guarantees - - 9518 7533 118 233
7B.3. Unsecured 410057 426267 32292 47495 6273 7236
Sector-wise
(ii) Public sectors - 3799 6296 2172 19 24
(iii) Banks - - - 26 - 385
(iv) Others 964921 1030889 227993 359386 45436 49888
8. Fixed Assets 21025 21336 3994 5398 722 765
(0.7) (0.7) (0.6) (0.6) (0.4) (0.3)
8.1. Premises 5925 5774 1512 1463 314 311
9. Other Assets 128523 162233 31330 27298 4102 3763
( 4.5) ( 5.6) ( 4.8) ( 3.3) ( 2.0) ( 1.5)
9.1. Inter-office adjustments (net) - - 8061 2170 1193 444
9.3. Tax paid 1112 29 13641 16843 166 -127
9.4. Stationery and Stamps 88 164 62 97 - -
9.5. Others 97852 136079 5577 3993 625 764
Total Assets 2831236 2871187 652060 831725 205915 243923
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
169
As on March 31
Ratnakar SBI Comm. & Intl. South Indian
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(37) (38) (39) (40) (41) (42)
1. Capital 10472 10472 10000 10000 9041 11301

( 7.1) ( 6.1) ( 15.0) ( 13.7) (0.5) (0.6)
( 14.8) ( 13.8) ( 2.2) ( 3.5) ( 6.3) ( 5.8)
2.2. Capital Reserves 88 615 - - 3534 3584
2.3. Share Premium 17392 17392 - - 53389 51129
2.4. Investments Fluctuations Reserves - - - 12 - -
2.5. Revenue and other Reserves 1941 2487 - - 31445 40239
2.6. Balance of Profit 58 34 -452 366 908 1467
3. Deposits 110107 130705 52202 58813 1515612 1809234
( 74.7) ( 76.5) ( 78.4) ( 80.5) ( 88.7) ( 88.8)
Type-wise
(i) From banks 288 411 - - 599 527
(ii) From others 20333 21612 3422 876 76713 84026
3A.3. Term deposits 67892 86954 45758 54496 1150728 1378713
(i) From banks 3741 7762 7595 4980 54821 75948
(ii) From others 64151 79192 38163 49516 1095907 1302765
Location-wise
4. Borrowings 31 12 500 - 2759 25701
(-) (-) (0.8) - (0.2) ( 1.3)
4.1. Borrowings in India 31 12 500 - 2759 25124
(ii) From other banks - - 500 - - 23000
(iii) From other institutions and agencies 31 12 - - 159 2124
4.2. Borrowings outside India - - - - - 577
( 3.4) ( 3.6) ( 3.6) ( 2.3) ( 4.4) ( 3.6)
5.1. Bills Payable 1797 1723 228 106 13756 11840
5.4. Subordinate debt - - - - 15500 15500
(100.0) (100.0) (100.0) (100.0) (100.0) (100.0)
170
As on March 31
Ratnakar SBI Comm. & Intl. South Indian
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009
(37) (38) (39) (40) (41) (42)
1. Cash in hand 1954 1629 57 52 11669 8932

( 1.3) ( 1.0) (0.1) (0.1) (0.7) (0.4)
( 7.5) ( 4.5) ( 4.3) ( 4.6) ( 5.0) ( 4.5)
( 21.3) ( 15.3) ( 7.4) ( 11.0) ( 4.0) ( 4.7)
( 2.7) ( 6.1) ( 3.5) ( 3.1) (0.3) (0.4)
5. Balances with banks outside India - - 593 554 811 -
- - (0.9) (0.8) (-) (-)
6. Investments 36132 40677 14359 21736 457222 607520
( 17.6) ( 17.0) ( 15.0) ( 22.5) ( 17.3) ( 19.9)
(iii) Shares 843 458 19 19 4799 5440
(vi) Others 4223 5113 - 4000 63954 168861
(iii) Others - - - - - -
7. Advances 58579 80111 35848 31097 1045375 1185203
( 39.8) ( 46.9) ( 53.8) ( 42.6) ( 61.2) ( 58.1)
Type-wise
7A.3. Term loans 27828 38982 18261 18785 453098 483989
Security-wise
7B.3. Unsecured 6657 6953 13865 7441 146982 138390
Sector-wise
(ii) Public sectors - - 594 - 97421 68315
(iii) Banks - 11374 - - - -
(iv) Others 34544 45042 20823 17722 589976 713962
8. Fixed Assets 1641 1839 4574 4502 11275 13632
( 1.1) ( 1.1) ( 6.9) ( 6.2) (0.7) (0.7)
8.1. Premises 580 553 4552 4482 9421 11457
9. Other Assets 2793 2254 962 1490 24855 28411
( 1.9) ( 1.3) ( 1.4) ( 1.9) ( 1.4) ( 1.4)
9.1. Inter-office adjustments (net) 429 337 - - 511 3620
9.3. Tax paid 197 116 149 393 - -
9.5. Others 833 707 379 639 8800 5411
Total Assets 147463 170924 66574 73028 1708993 2038352
( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0) ( 100.0)
171
As on March 31
Tamilnad Mercantile Yes Bank
Bank
Items
2008 2009 2008 2009
(43) (44) (45) (46)
1. Capital 28 28 29579 29698

(-) (-) ( 1.7) ( 1.3)
( 9.7) (9.1) ( 6.0) ( 5.8)
2.3. Share Premium - - 67718 67744
2.4. Investments Fluctuations Reserves - - - 2
2.5. Revenue and other Reserves 58051 66865 - -
2.6. Balance of Profit 17 7 24508 40578
3. Deposits 767025 956604 1327316 1616943
( 86.5) (87.4) ( 78.2) ( 70.6)
Type-wise
(i) From banks 70 9 - -
(ii) From others 92265 95544 98213 121975
3A.3. Term deposits 575928 746039 1214450 1475762
(i) From banks 6896 26352 118500 217336
(ii) From others 569032 719687 1095950 1258426
Location-wise
4. Borrowings 111 3268 98621 218906
(-) (0.3) ( 5.8) ( 9.6)
4.1. Borrowings in India 111 3268 43297 170146
(i) From Reserve Bank of India - - - 10000
(ii) From other banks - - 11800 74500
(iii) From other institutions and agencies 111 3268 31497 85646
4.2. Borrowings outside India - - 55324 48760
Secured borrowings included in 4. - - 9997 -
( 3.8) (3.2) ( 8.3) ( 12.7)
5.1. Bills Payable 16741 12302 10287 39344
5.2. Inter-office adjustments - - - -
5.4. Subordinate debt - - 72750 151262
5.5. Deferred Tax Liabilities - - - -
5.6. Others (including provisions) 12947 18371 48084 81613
(100.0) (100.0) (100.0) (100.0)
172
As on March 31
Tamilnad Mercantile Yes Bank
Bank
Items
2008 2009 2008 2009
(43) (44) (45) (46)
1. Cash in hand 7163 6268 843 3145

(0.8) (0.6) (-) (0.1)
( 6.8) (5.9) ( 5.6) ( 5.4)
( 1.0) (0.7 (-) (0.1)
4. Money at call and short notice - 11000 60487 44529
(-) (1.0) ( 3.6) ( 1.9)
(0.1) (0.2) (0.3) (0.8)
6. Investments 255354 320719 509371 711702
( 18.3) (18.5) ( 19.4) ( 20.2)
(ii) Other approved securities 2940 2755 - -
(iii) Shares 603 180 546 546
(iv) Debentures and Bonds 49561 37490 67787 102418
(v) Subsidiaries and/or joint ventures - - - -
(vi) Others 10775 34598 81400 140727
6.2. Investments outside India - - - -
(iii) Others - - - -
7. Advances 533132 657169 943027 1240309
( 60.1) (60.1) ( 55.5) ( 54.2)
Type-wise
7A.1. Bills purchased and discounted 22017 20960 12537 12642
7A.3. Term loans 229258 298703 686013 947257
Security-wise
7B.2. Covered by Bank/Govt. Guarantees 14528 6373 740 1123
7B.3. Unsecured 27031 43329 457867 661699
Sector-wise
(ii) Public sectors 18176 23058 3442 2976
(iii) Banks - - 449 3040
(iv) Others 277634 358290 697900 896539
8. Fixed Assets 4911 5390 10117 13111
(0.6) (0.5) (0.6) (0.6)
8.1. Premises 2575 2626 - -
8.2. Fixed assets under construction - - 389 39
9. Other Assets 15313 18197 72970 132686
( 1.7) (1.7) ( 4.3) ( 5.8)
9.3. Tax paid - - 20476 38171
9.4. Stationery and Stamps 18 24 - -
9.5. Others 8112 10656 36229 71948
Total Assets 886483 1094329 1698242 2290079
( 100.0) (100.0) ( 100.0) ( 100.0)
173
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09
As on March 31
State Bank of State Bank of State Bank of State Bank of
India Bikaner and Jaipur Hyderabad Indore
Items
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Income
I. Interest Earned 4895030 6378844 305203 381028 440315 570950 222563 271308
a) Interest/Discount on advances/bills 3522811 4640471 231120 298943 314462 420120 169646 210540
b) Income on investments 1194416 1557412 70635 78396 112733 137459 49147 56409
other inter-bank funds 120007 147438 1834 1587 8327 9416 2130 2847
d) Others 57796 33523 1614 2102 4793 3955 1640 1512
II. Other Income 869493 1269080 47166 57705 67715 76931 31054 35041
a) Commission, exchange and brokerage 591425 761724 35392 40299 36058 48008 19899 21330
b) Net profit (loss) on sale of investments 164984 256729 6899 7603 16926 17686 6736 7447
c) Net profit (loss) on revaluation of
investments -70350 -56 - - - - - -
d) Net profit (loss) on sale of land and
other assets 1104 -295 - - -61 -74 - -51
e) Net profit (loss) on exchange transactions 69270 117925 2357 6974 6841 5258 1883 3642
f) Miscellaneous income 113060 133053 2518 2829 7951 6053 2536 2673
Total (I+II) 5764523 7647924 352369 438733 508030 647881 253617 306349
Expenditure & Provisions
III. Interest Expended 3192908 4291530 211298 270706 329025 424271 165384 197944
a) Interest on deposits 2707258 3793685 195045 246448 314220 391156 147166 173866
b) Interest on RBI/inter-bank borrowings 293844 255501 5036 9498 4375 7348 5812 8216
c) Others 191806 242344 11217 14760 10430 25767 12406 15862
IV. Operating Expenses 1260861 1564871 74953 78743 79885 93314 43114 46004
a) Payments to and provisions for employees 778587 974731 44695 46078 46917 55215 21905 25454
b) Rent, taxes and lighting 99342 129514 6233 6869 7830 9583 3685 4305
c) Printing and stationery 18888 23282 1156 1260 1277 1385 516 491
d) Advertisement and publicity 17323 25123 511 494 849 1062 354 344
e) Depreciation on bank’s property 67998 76314 5979 4096 5827 4096 3599 2540
f) Directors’ fees, allowances and expenses 123 100 26 26 13 21 16 12
g) Auditors’ fees and expenses 9735 10370 937 900 1023 1216 507 514
h) Law charges 6045 7461 244 222 182 239 88 77
i) Postage, telegrams, telephones, etc. 21658 27973 1325 1413 424 538 401 381
j) Repairs and maintenance 23583 16059 1143 1388 560 561 562 955
k) Insurance 41584 52902 2732 3313 3759 5247 1856 2020
l) Other expenditure 175995 221042 9972 12684 11224 14151 9625 8911
V. Provisions and Contingencies 637843 879400 34618 48938 43420 68716 21719 34509
Total expenses@ 4453769 5856401 286251 349449 408910 517585 208498 243948
VI. Profit (Loss) during the year 672911 912123 31500 40346 55700 61580 23400 27892
Total (III+IV+V+VI) 5764523 7647924 352369 438733 508030 647881 253617 306349
Notes : @ Excluding ‘Provisions and Contingencies’.
# See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years .
174
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS : 2007-08 AND 2008-09 (Contd.)
As on March 31
Mysore Patiala Saurashtra # Travancore
Items
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Income
I. Interest Earned 249439 324727 431019 580406 155790 343410 412315
a) Interest/Discount on advances/bills 190494 252864 332304 450035 114947 259644 317340
b) Income on investments 58029 70555 92705 116994 37357 76597 85746
other inter-bank funds 206 442 5922 11461 652 1667 1884
d) Others 710 866 88 1916 2834 5502 7345
II. Other Income 42213 48036 59576 63164 20684 43877 57310
a) Commission, exchange and brokerage 27148 28652 37292 42700 14347 31017 31185
b) Net profit (loss) on sale of investments 7991 12122 9492 10815 4967 4293 14471
investments - - - - - - -
other assets 22 5 - - -12 23 -21
e) Net profit (loss) on exchange transactions 2866 4446 3315 4782 1374 5328 4871
f) Miscellaneous income 4186 2811 9477 4867 8 3216 6804
Total (I+II) 291652 372763 490595 643570 176474 387287 469625
III. Interest Expended 173210 240902 341962 467632 119412 247682 284059
a) Interest on deposits 158754 209886 312397 431415 107856 216103 249634
b) Interest on RBI/inter-bank borrowings 162 920 5598 6628 7201 1074 1944
c) Others 14294 30096 23967 29589 4355 30505 32481
IV. Operating Expenses 61691 66508 70700 79392 39378 68694 79938
a) Payments to and provisions for employees 33756 38455 38449 44392 23552 41562 48785
b) Rent, taxes and lighting 4430 6727 6175 7041 3469 5535 6795
c) Printing and stationery 144 372 719 883 418 735 802
d) Advertisement and publicity 202 452 406 462 96 248 399
e) Depreciation on bank’s property 5778 4260 5174 3979 3752 4825 4134
f) Directors’ fees, allowances and expenses 15 20 16 16 18 17 32
g) Auditors’ fees and expenses 665 809 781 789 474 1047 1246
h) Law charges 238 214 395 299 123 311 494
i) Postage, telegrams, telephones, etc. 706 808 1001 1000 127 353 593
j) Repairs and maintenance 483 584 2076 1965 523 937 1137
k) Insurance 2377 2948 4170 5010 1598 3263 3759
l) Other expenditure 12897 10859 11338 13556 5228 9861 11762
V. Provisions and Contingencies 24867 31661 36560 43391 12486 32298 44844
Total expenses@ 234901 307410 412662 547024 158790 316376 363997
VI. Profit (Loss) during the year 31884 33692 41373 53155 5198 38613 60784
Total (III+IV+V+VI) 291652 372763 490595 643570 176474 387287 469625
175
NATIONALISED BANK
As on March 31
Allahabad Andhra Bank of Bank of
Bank Bank Baroda India
Items
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Income
d) Others 129 1024 2801 2290 10955 18209 5210 6403
II. Other Income 96477 114193 62647 76537 205105 275766 211692 305186
investments - - - - - - - -
other assets -2 4 24 33 36 -4 4 -
Total (I+II) 713599 850666 483603 613998 1386452 1784924 1447214 1939921
c) Others 17116 25618 5013 13957 39166 48832 50561 53936
h) Law charges 1091 849 258 456 1285 1349 1072 1155
k) Insurance 6754 7531 4970 5458 11542 13983 10314 13545
Total expenses@ 565646 660550 377908 485198 1093597 1354421 1077094 1394242
Total (III+IV+V+VI) 713599 850666 483603 613998 1386452 1784924 1447214 1939921
176
NATIONALISED BANK
As on March 31
Bank of Canara Central Bank of Corporation
Maharashtra Bank India Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Income
d) Others 1137 1244 5872 38 5307 704 6586 8978
II. Other Income 38027 50002 221287 231121 90234 106997 69977 110721
investments - - -9544 -11588 - - - -
other assets -12 68 109 83 -46 -35 -33 -82
Total (I+II) 382074 479157 1641360 1943026 878661 1152516 521633 717456
c) Others 18320 20894 49538 56333 17346 22178 8876 18754
h) Law charges 355 398 1057 1341 1015 1078 177 165
k) Insurance 3716 4492 13972 15778 7572 9141 4392 5431
Total expenses@ 314814 399806 1345424 1546651 751830 1008842 396519 537794
Total (III+IV+V+VI) 382074 479157 1641360 1943026 878661 1152516 521633 717456
177
NATIONALISED BANK
As on March 31
Dena IDBI Bank Ltd. Indian Indian Overseas
Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
Income
d) Others 1071 3619 9487 20702 9 8 971 2734
II. Other Income 47811 43012 158176 138991 100568 103543 103711 159582
investments - - -14945 -8580 - - -3836 -11724
other assets 2995 -71 81 1328 -52 7 157 6850
Total (I+II) 315400 387762 962264 1302153 621865 786576 877588 1123723
c) Others 9169 11028 334722 327661 12094 5906 25300 31309
h) Law charges 418 444 253 384 371 426 326 654
k) Insurance 3375 3847 4444 6947 5242 6290 7577 8933
Total expenses@ 246759 315128 832318 1164362 455938 563696 677408 871351
Total (III+IV+V+VI) 315400 387762 962264 1302153 621865 786576 877588 1123723
178
NATIONALISED BANK
As on March 31
Oriental Bank of Punjab and Punjab National Syndicate
Commerce Sind Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) 31) (32)
Income
d) Others 2490 2682 1107 486 6431 7612 6020 5172
II. Other Income 62765 107133 31763 40769 199756 291969 89004 86036
investments - - - - - - -4961 -4783
other assets 265 -15 14 7 114 178 -8 16
Total (I+II) 745485 992781 253691 365486 1626258 2224586 879635 1043999
c) Others 22467 27808 3745 7519 40664 61149 28025 36034
h) Law charges 1051 1301 422 439 1310 1532 412 787
k) Insurance 7437 9124 1965 2722 14082 16965 7638 9121
Total expenses@ 623580 824282 199426 292714 1225632 1650151 732810 869356
Total (III+IV+V+VI) 745485 992781 253691 365486 1626258 2224586 879635 1043999
179
NATIONALISED BANK
As on March 31
UCO Union Bank of United Bank of Vijaya
Bank India India Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) 39) (40)
Income
d) Others 7697 2596 13960 9715 976 1961 7273 8726
II. Other Income 77213 101989 131965 148255 46550 49086 53203 69881
other assets 7 5 -29 924 3 4 600 23
Total (I+II) 728068 914126 1053429 1337193 402281 480273 442057 593663
c) Others 35250 40065 29908 35649 14461 16859 15667 29813
h) Law charges 503 501 970 1147 251 290 82 62
k) Insurance 5798 6983 10393 13023 3674 4792 4061 5084
Total expenses@ 632674 793966 795394 1028993 355587 412549 375971 503774
Total (III+IV+V+VI) 728068 914126 1053429 1337193 402281 480273 442057 593663
180
FOREIGN BANKS
As on March 31
AB Bank ABN AMRO Bank Abu Dhabi American Express
Commercial Bank Banking Corp. #
Items
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Income
other inter-bank funds 128 68 2402 1416 1982 1620 -
d) Others - - 12338 10485 1577 202 -
II. Other Income 444 768 64382 122510 674 531 33479
b) Net profit (loss) on sale of investments - - 2297 -2369 - 7 -
investments - - - - - - -
other assets - - 6 4 -1 - 101
e) Net profit (loss) on exchange transactions 34 53 -7175 56158 305 270 -
Total (I+II) 889 1223 368211 434477 7146 5310 41217
c) Others - - 39839 25388 - - 20
f) Directors’ fees, allowances and expenses 2 1 - - - - -
h) Law charges 2 2 419 429 5 19 48
k) Insurance 2 3 692 279 54 47 49
V. Provisions and Contingencies 260 356 63452 139089 -1085 359 6128
Total expenses@ 341 487 276692 293451 5337 3317 45575
VI. Profit (Loss) during the year 288 380 28067 1937 2894 1634 -10486
Total (III+IV+V+VI) 889 1223 368211 434477 7146 5310 41217
181
FOREIGN BANKS
As on March 31
Antwerp Diamond Bank International Bank of Bank of Bahrain
Bank Indonesia America & Kuwait
Items
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Income
a) Interest/Discount on advances/bills 2632 3091 7 - 24792 38415 2158 3492
d) Others 53 55 - - 3766 1488 47 19
II. Other Income 768 1338 1141 119 34798 39332 868 1492
a) Commission, exchange and brokerage 556 987 - - 5950 6389 229 579
b) Net profit (loss) on sale of investments - - -1 - 995 7273 59 185
investments - - -2 - -753 -333 - -
other assets - 1 1161 1 10 11 302 -4
e) Net profit (loss) on exchange transactions 131 210 -25 101 23788 21472 148 266
Total (I+II) 4827 5938 1358 143 86167 100023 4372 6349
III. Interest Expended 2293 2015 16 - 16315 15189 1878 2496
a) Interest on deposits 62 99 6 - 8134 9399 1709 2177
b) Interest on RBI/inter-bank borrowings 1788 1829 10 - 8181 5790 51 135
c) Others 443 87 - - - - 118 184
a) Payments to and provisions for employees 292 364 98 - 9029 8044 496 742
c) Printing and stationery 6 6 2 - 154 175 17 26
d) Advertisement and publicity 2 3 4 - - - 2 9
e) Depreciation on bank’s property 36 13 46 - 740 784 42 121
f) Directors’ fees, allowances and expenses - - - - - - - -
h) Law charges 1 2 64 21 48 27 8 7
k) Insurance 5 7 3 - 321 421 42 51
V. Provisions and Contingencies 838 1516 188 -50 22587 33620 -647 422
Total expenses@ 2918 2865 471 58 33059 32703 3096 4187
Total (III+IV+V+VI) 4827 5938 1358 143 86167 100023 4372 6349
182
FOREIGN BANKS
As on March 31
Bank of Bank of Nova Bank of Tokyo- Barclays
Ceylon Scotia Mitsubishi UFJ Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
Income
d) Others 9 6 68 438 449 246 12 142
II. Other Income 357 1539 11365 17140 4265 6270 56752 58921
b) Net profit (loss) on sale of investments - - 309 172 - - 3251 21406
other assets - - -1 - - -10 140 -5
Total (I+II) 1479 2919 46806 71665 25619 37807 119136 262575
c) Others - - 413 792 2087 3232 4368 1284
f) Directors’ fees, allowances and expenses - - - - 2 1 - -
h) Law charges 19 21 52 18 147 104 51 159
k) Insurance 1 1 142 217 102 151 165 654
Total expenses@ 581 645 29815 42960 10736 21513 101543 187097
Total (III+IV+V+VI) 1479 2919 46806 71665 25619 37807 119136 262575
183
FOREIGN BANKS
As on March 31
BNP Paribas Calyon Bank Chinatrust Citibank
Commercial Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
Income
d) Others 45 132 2 31 - - 27 179
II. Other Income 25616 24318 23002 25493 161 242 244612 358229
b) Net profit (loss) on sale of investments -185 -4427 1858 1643 - - 6656 60423
other assets -1 -38 5 -7 -1 1 6652 1334
Total (I+II) 71564 87954 50612 60152 1581 2101 841011 1042252
c) Others 2646 3598 1197 1244 - - 10828 15390
h) Law charges 7 12 59 120 29 23 810 846
k) Insurance 370 385 96 91 10 10 4286 4635
V. Provisions and Contingencies 15278 24409 12894 17270 -70 34 211505 323339
Total expenses@ 43215 46545 25051 27329 1318 1502 449081 501606
Total (III+IV+V+VI) 71564 87954 50612 60152 1581 2101 8410111042252
184
FOREIGN BANKS
As on March 31
DBS Deutsche Hong Kong & Shanghai JP Morgan
Bank Bank Banking Corpn. Chase Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
Income
d) Others - - 921 1665 1120 2403 265 257
II. Other Income (3345) 30219 101760 101967 211668 269943 38431 71821
b) Net profit (loss) on sale of investments -1744 -536 12552 20354 -5548 21657 4455 2419
investments - - - - - 7747 - -
other assets 1 3 -28 -20 -193 17 - -
e) Net profit (loss) on exchange transactions -5569 11207 37781 35731 82108 112831 11975 44595
f) Miscellaneous income 324 55 12653 2878 35612 -3009 331 10961
Total (I+II) 60065 111083 246298 290112 709590 902635 83566 123413
c) Others - - 784 438 2842 2747 6830 6646
h) Law charges 31 46 531 405 415 748 94 104
k) Insurance 184 266 1623 2540 4660 4963 209 322
Total expenses@ 48158 65875 159097 174301 416104 485566 33154 36859
Total (III+IV+V+VI) 60065 111083 246298 290112 709590 902635 83566 123413
185
FOREIGN BANKS
As on March 31
JSC VTB Bank # Krung Thai Bank Mashreq Bank Mizuho Corporate
Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46) (47) (48)
Income
b) Income on investments - 155 199 204 274 1358 2051
d) Others - - - 170 - 33 7
II. Other Income 14 85 94 967 1035 1960 3814
b) Net profit (loss) on sale of investments - - - - - - -
investments - - - - - 1 - -
other assets - - - - - 149 1 -138
e) Net profit (loss) on exchange transactions 4 48 44 110 - 793 2257
f) Miscellaneous income - - - 34 46 - -
Total (I+II) 697 861 1121 1760 1568 9437 16718
a) Interest on deposits - 240 455 21 12 962 3927
b) Interest on RBI/inter-bank borrowings - - - 1 4 2168 1246
c) Others - - - 3 - 247 644
d) Advertisement and publicity - 1 1 6 3 1 2
h) Law charges 10 - - 8 13 24 48
k) Insurance 1 1 2 5 11 25 61
Total expenses@ 697 497 777 596 618 5937 9439
VI. Profit (Loss) during the year -29 199 186 910 545 2052 4271
Total (III+IV+V+VI) 697 861 1121 1760 1568 9437 16718
186
FOREIGN BANKS
As on March 31
Oman International Shinhan Bank Societe Gemerale Sonali Bank
Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(49) (50) (51) (52) (53) (54) (55) (56)
Income
d) Others - - 5 4 - - 27 4
II. Other Income 67 256 557 838 4237 6879 372 463
b) Net profit (loss) on sale of investments - - - 12 -314 -863 - -
other assets - 2 - -1 17 1 1 -
f) Miscellaneous income 5 150 59 15 -904 2662 28 26
Total (I+II) 1529 1708 5378 7225 26337 22146 509 600
b) Interest on RBI/inter-bank borrowings 109 99 70 188 3076 1227 - -
c) Others - - 11 8 5166 1009 25 25
h) Law charges 39 21 1 0 21 19 1 2
k) Insurance 21 19 41 51 124 145 2 3
V. Provisions and Contingencies -1046 -114 1272 1451 -315 3617 58 91
Total expenses@ 1797 1528 2790 3844 22624 14569 391 405
Total (III+IV+V+VI) 1529 1708 5378 7225 26337 22146 509 600
187
FOREIGN BANKS
As on March 31
Standard Chartered State Bank UBS AG #
Bank of Muritius
Items
2008 2009 2008 2009 2008 2009
(57) (58) (59) (60) (61) (62)
Income
I. Interest Earned 487805 564942 3705 4451 755
a) Interest/Discount on advances/bills 345699 435822 1943 2902 -
b) Income on investments 123571 124303 851 809 64
other inter-bank funds 8700 2951 911 740 691
d) Others 9835 1866 - - -
II. Other Income 232221 309705 571 307 -
a) Commission, exchange and brokerage 163637 188937 50 83 -
b) Net profit (loss) on sale of investments -10199 -13382 264 -68 -
investments 7049 25183 - - -
other assets 184 149 - - -
e) Net profit (loss) on exchange transactions 36315 59195 79 12 -
f) Miscellaneous income 35235 49623 178 280 -
Total (I+II) 720026 874647 4276 4758 755
III. Interest Expended 212995 248962 2574 3054 -
a) Interest on deposits 164666 196241 1834 2186 -
b) Interest on RBI/inter-bank borrowings 43181 36890 740 868 -
c) Others 5148 15831 - - -
IV. Operating Expenses 205060 249973 650 622 2573
a) Payments to and provisions for employees 79360 105222 194 184 1390
b) Rent, taxes and lighting 9547 14627 28 27 775
c) Printing and stationery 4203 4022 7 5 5
d) Advertisement and publicity 26338 28906 1 3 -
e) Depreciation on bank’s property 3517 5572 122 112 57
f) Directors’ fees, allowances and expenses - - - - -
g) Auditors’ fees and expenses 40 54 3 3 14
h) Law charges 4526 3410 5 - 1
i) Postage, telegrams, telephones, etc. 6407 6954 31 31 19
j) Repairs and maintenance 8220 7413 33 35 80
k) Insurance 3950 4555 30 27 -
l) Other expenditure 58951 69238 196 195 232
V. Provisions and Contingencies 131350 185037 541 517 156
Total expenses@ 418054 498935 3224 3676 2573
VI. Profit (Loss) during the year 170622 190675 511 565 -1974
Total (III+IV+V+VI) 720026 874647 4276 4758 755
188
As on March 31
Axis Bank Bank of Catholic Syrian Centurion Bank of
Rajasthan Bank Punjab #
Items
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Income
d) Others 4971 10793 371 502 20 80 511
II. Other Income 179548 289687 12697 12361 6049 9959 63729
b) Net profit (loss) on sale of investments 22025 28843 1643 3601 449 4381 3474
investments - - -1225 -777 - - -
other assets -1518 -820 21 -11 10 176 805
e) Net profit (loss) on exchange transactions 20748 35950 787 858 871 1004 6464
Total (I+II) 880080 1373235 117641 150722 54175 65621 282276
c) Others 50114 65508 2502 2722 914 885 4205
f) Directors’ fees, allowances and expenses 70 72 47 48 49 57 29
h) Law charges 519 1072 272 191 106 80 597
k) Insurance 7672 11368 1086 1366 516 570 2014
Total expenses@ 657488 1000749 100512 131347 46829 57739 246890
VI. Profit (Loss) during the year 107103 181534 11520 11769 3654 3720 11798
Total (III+IV+V+VI) 880080 1373235 117641 150722 54175 65621 282276
189
As on March 31
City Union Bank Development Dhanlakshmi Federal
Credit Bank Bank Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Income
d) Others - - 109 - 63 - 2885 1420
II. Other Income 9028 12369 17366 12013 4202 7936 39472 51577
other assets 2 4 1025 473 - 18 -2 57
Total (I+II) 68624 92809 73595 76533 35451 48777 291016 383115
c) Others 402 379 641 1726 670 668 9680 10151
h) Law charges 6 9 28 25 46 58 327 337
k) Insurance 550 710 466 620 308 374 2246 2630
Total expenses@ 50609 70135 62636 68997 31004 39985 211604 257137
VI. Profit (Loss) during the year 10173 12215 3831 -8807 2844 5747 36805 50050
Total (III+IV+V+VI) 68624 92809 73595 76533 35451 48777 291016 383115
190
As on March 31
HDFC Bank ICICI Bank IndusInd Bank ING Vysya
Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
Income
d) Others 384 330 10935 84695 2995 1715 1323 720
II. Other Income 228315 329061 881075 760371 29757 45625 41855 54767
investments 7777 -2799 -6809 -51403 - - - -
other assets 70 419 6561 1751 -67 -3063 338 460
f) Miscellaneous income 4304 -15204 121753 66546 14893 15435 6963 6372
Total (I+II) 1239815 1962288 3959909 3869626 217824 276572 209900 278756
c) Others 26196 33916 454704 493619 12287 15450 10240 13777
h) Law charges 1050 1931 4537 9240 1316 1287 248 424
k) Insurance 9016 13875 22495 22829 1735 2022 2007 2381
Total expenses@ 863274 1444392 3163841 2977103 198206 239746 179155 236274
Total (III+IV+V+VI) 1239815 1962288 3959909 3869626 217824 276572 209900 278756
191
As on March 31
Jammu & Kashmir Karnataka Bank Karur Vysya Bank Kotak Mahindra
Bank Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
Income
d) Others - - 373 712 145 1496 696 129
II. Other Income 24502 24506 23744 35315 18294 26520 46345 35785
b) Net profit (loss) on sale of investments 9016 7914 7820 19067 3068 9358 7268 -8535
investments -1833 -1642 - - - - -5795 8423
other assets - - 4 1 4 26 112 27
e) Net profit (loss) on exchange transactions 1203 1467 2481 2889 1810 1960 -2736 1310
Total (I+II) 267925 323318 179789 227055 128934 171130 299881 342299
c) Others 0 0 1737 2662 374 557 15458 23000
h) Law charges 96 107 119 131 58 63 1117 1519
k) Insurance 1794 2215 1713 2098 1014 1336 903 1563
Total expenses@ 202739 245872 140728 179035 98159 129327 232895 274301
Total (III+IV+V+VI) 267925 323318 179789 227055 128934 171130 299881 342299
192
As on March 31
Lakshmi Vilas Nainital Bank Ratnakar Bank SBI Comm. &
Bank Intl. Bank
Items
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
Income
d) Others 1032 499 19 35 31 - 13 159
II. Other Income 8249 10699 754 1037 873 1567 1380 307
b) Net profit (loss) on sale of investments 2133 3036 -315 91 165 654 248 52
investments - - -13 -31 - - - -
other assets 548 262 - - 2 10 - 1
e) Net profit (loss) on exchange transactions 617 881 - - - - 161 -55
Total (I+II) 58854 76461 17622 21948 11602 15354 5745 5713
c) Others 1317 634 - 171 32 32 - -
h) Law charges 47 44 29 22 15 10 9 8
k) Insurance 496 593 142 169 93 117 66 65
V. Provisions and Contingencies 6490 5855 2384 2811 1687 1532 -48 45
Total expenses@ 49837 65576 12525 15534 8214 10771 4508 4563
Total (III+IV+V+VI) 58854 76461 17622 21948 11602 15354 5745 5713
193
As on March 31
South Indian Bank Tamilnad Mercantile Yes Bank
Bank
Items
2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46)
Income
I. Interest Earned 129124 168692 76100 97715 130468 200332
a) Interest/Discount on advances/bills 96057 127090 50595 74216 93037 148781
b) Income on investments 27271 35881 21655 22400 36068 49970
other inter-bank funds 5796 5721 714 732 1052 1151
d) Others - - 3136 367 311 430
II. Other Income 14258 16427 13070 13584 36067 43502
a) Commission, exchange and brokerage 2809 2816 3510 4058 20508 22577
b) Net profit (loss) on sale of investments 3157 3541 962 745 5909 14864
investments - - - - - -
other assets -16 77 2 -2 -1 -16
e) Net profit (loss) on exchange transactions 1569 2448 1633 1919 2198 2623
f) Miscellaneous income 6739 7545 6963 6864 7453 3454
Total (I+II) 143382 185119 89170 111299 166535 243834
III. Interest Expended 91510 116404 49880 64343 97411 149214
a) Interest on deposits 89481 113697 46234 63810 85401 122705
b) Interest on RBI/inter-bank borrowings 680 1429 199 207 5948 14440
c) Others 1349 1278 3447 326 6062 12069
IV. Operating Expenses 24807 32846 16850 20427 34116 41853
a) Payments to and provisions for employees 14635 21418 10140 12435 20241 21802
b) Rent, taxes and lighting 2175 2713 1374 1662 3170 5634
c) Printing and stationery 819 392 346 448 384 431
d) Advertisement and publicity 354 549 324 269 167 148
e) Depreciation on bank’s property 1219 1390 966 932 1923 3010
f) Directors’ fees, allowances and expenses 35 37 43 17 26 38
g) Auditors’ fees and expenses 107 130 31 38 34 38
h) Law charges 101 98 33 71 191 65
i) Postage, telegrams, telephones, etc. 634 760 465 510 735 904
j) Repairs and maintenance 661 905 577 715 297 390
k) Insurance 1319 1557 638 813 208 135
l) Other expenditure 2748 2897 1913 2517 6740 9258
V. Provisions and Contingencies 11903 16393 9766 11507 15006 22381
Total expenses@ 116317 149250 66730 84770 131527 191067
VI. Profit (Loss) during the year 15162 19476 12674 15022 20002 30386
Total (III+IV+V+VI) 143382 185119 89170 111299 166535 243834
194
TABLE B3 : BANK-WISE CAPITAL ADEQUACY RATIO (CRAR) OF
SCHEDULED COMMERCIAL BANKS - 2008 AND 2009
(Per cent)
CRAR (as on March 31)
Basel-I Basel-II
Bank Name 2008 2009 2008 2009
Tier-I Tier-II Total Tier-I Tier-II Total Tier-I Tier-II Total Tier-I Tier-II Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
SBI & its Associates
State Bank of Bikaner And Jaipur 7.49 6.01 13.50 7.68 5.50 13.18 6.95 5.56 12.51 8.46 6.06 14.52
State Bank of Hyderabad 7.24 5.11 12.35 6.55 4.03 10.58 NA NA 11.97 7.14 4.39 11.53
State Bank of India 9.14 4.40 13.54 8.53 4.44 12.97 NA NA NA 9.38 4.87 14.25
State Bank of Indore 7.01 4.30 11.31 6.94 4.87 11.81 7.01 4.28 11.29 7.91 5.55 13.46
State Bank of Mysore 6.90 5.44 12.34 6.83 5.58 12.41 6.54 5.19 11.73 7.37 6.01 13.38
State Bank of Patiala 6.74 5.76 12.50 6.30 5.13 11.43 7.31 6.25 13.56 6.94 5.66 12.60
State Bank of Travancore 6.94 5.74 12.68 7.43 4.70 12.13 7.41 6.12 13.53 8.59 5.44 14.03
Nationalised Banks
Allahabad Bank NA NA NA NA NA NA 7.71 4.28 11.99 8.01 5.10 13.11

Andhra Bank 8.54 3.07 11.61 8.11 4.26 12.37 NA NA NA 8.67 4.55 13.22
Bank of Baroda 7.63 5.28 12.91 7.79 5.09 12.88 7.64 5.30 12.94 8.49 5.56 14.05
Bank of India 8.19 4.76 12.95 8.73 4.48 13.21 7.70 4.34 12.04 8.91 4.10 13.01
Bank of Maharashtra 5.43 5.42 10.85 5.45 5.30 10.75 NA NA NA 6.11 5.94 12.05
Canara Bank NA NA NA NA NA NA 7.01 6.24 13.25 8.01 6.09 14.10
Central Bank of India 5.42 5.00 10.42 6.24 5.51 11.75 4.88 4.51 9.39 6.97 6.15 13.12
Corporation Bank 9.64 2.45 12.09 8.93 4.73 13.66 NA NA NA 8.90 4.71 13.61
Dena Bank 6.75 4.34 11.09 6.01 4.72 10.73 NA NA NA 6.76 5.31 12.07
IDBI Bank Ltd. 7.42 4.53 11.95 6.60 4.63 11.23 NA NA NA 6.81 4.76 11.57
Indian Bank 11.29 1.45 12.74 11.28 1.99 13.27 NA NA NA 11.88 2.10 13.98
Indian Overseas Bank 7.83 4.10 11.93 7.58 5.12 12.70 NA NA NA 7.88 5.32 13.20
Oriental Bank of Commerce 9.34 2.78 12.12 8.41 3.59 12.00 NA NA NA 9.10 3.88 12.98
Punjab & Sind Bank 8.04 3.53 11.57 6.99 4.89 11.88 NA NA NA 8.44 5.91 14.35
Punjab National Bank 8.52 4.44 12.96 8.05 4.54 12.59 8.97 4.49 13.46 8.98 5.05 14.03
Syndicate Bank 6.62 4.60 11.22 7.03 4.34 11.37 6.97 4.85 11.82 7.85 4.83 12.68
Union Bank of India 7.45 5.06 12.51 7.41 4.60 12.01 NA NA NA 8.19 5.08 13.27
United Bank of India NA NA NA NA NA NA 6.37 4.87 11.24 7.56 5.72 13.28
UCO Bank 5.05 5.04 10.09 5.30 4.45 9.75 5.51 5.51 11.02 6.48 5.45 11.93
Vijaya Bank 5.73 5.49 11.22 7.71 5.37 13.08 NA NA NA 7.74 5.41 13.15
Source : Annual accounts of banks.
195
SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
(Per cent)
Basel-I Basel-II
Bank Name 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Private Sector Banks
Axis Bank 10.17 3.56 13.73 NA NA NA NA NA NA 9.26 4.43 13.69
Bank of Rajasthan 6.10 5.77 11.87 6.45 5.55 12.00 NA NA NA 6.19 5.31 11.50
Catholic Syrian Bank NA NA NA NA NA NA 7.23 3.98 11.21 8.81 3.48 12.29
City Union Bank 11.15 1.33 12.48 11.30 1.19 12.49 NA NA NA 11.48 1.21 12.69
Development Credit Bank 11.82 1.56 13.38 11.62 1.82 13.44 NA NA NA 11.50 1.80 13.30
Dhanalakshmi Bank 6.56 2.65 9.21 12.90 1.54 14.44 NA NA NA 13.75 1.63 15.38
Federal Bank 19.09 3.37 22.46 17.52 2.62 20.14 NA NA NA 18.42 1.80 20.22
HDFC Bank 10.30 3.30 13.60 10.18 4.91 15.09 NA NA NA 10.58 5.11 15.69
ICICI Bank 11.32 3.60 14.92 12.16 3.76 15.92 11.76 2.20 13.97 11.84 3.69 15.53
IndusInd Bank 6.70 5.21 11.91 7.52 4.81 12.33 NA NA NA 7.65 4.90 12.55
ING Vysya Bank 6.82 3.38 10.20 6.91 4.77 11.68 NA NA NA 6.89 4.76 11.65
Jammu & Kashmir Bank 12.14 0.66 12.80 12.77 0.69 13.46 NA NA NA 13.80 0.68 14.48
Karnataka Bank 10.36 1.81 12.17 10.65 2.89 13.54 NA NA NA 10.60 2.88 13.48
Karur Vysya Bank 12.11 0.47 12.58 12.63 0.45 13.08 NA NA NA 14.40 0.52 14.92
Kotak Mahindra Bank 14.46 4.19 18.65 16.01 3.85 19.86 NA NA NA 16.13 3.88 20.01
Lakshmi Vilas Bank 10.53 2.20 12.73 8.63 1.46 10.09 NA NA NA 8.81 1.48 10.29
Nainital Bank 11.00 1.32 12.32 12.57 1.32 13.89 NA NA NA 11.85 1.25 13.10
Ratnakar Bank 48.29 0.86 49.15 44.22 0.65 44.87 NA NA NA 41.69 0.61 42.30
SBI Commercial & International Bank 24.27 0.79 25.06 23.81 0.00 23.81 22.74 0.74 23.48 21.49 -0.25 21.24
South Indian Bank 12.08 1.72 13.80 12.44 1.45 13.89 NA NA NA 13.22 1.54 14.76
Tamilnad Mercantile Bank 14.70 0.65 15.35 13.88 0.65 14.53 NA NA NA 15.38 0.72 16.10
Yes Bank 8.50 5.10 13.60 8.30 6.20 14.50 NA NA NA 9.50 7.10 16.60
196
SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
(Per cent)
Basel-I Basel-II
Bank Name 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Foreign Banks
ABN Amro Bank NA NA NA NA NA NA 7.24 5.68 12.92 7.43 5.23 12.66

Abu Dhabi Commercial Bank 54.58 1.15 55.73 53.26 1.030 54.29 50.65 1.06 51.71 46.67 0.90 47.57
American Express Banking Corp. # NA NA NA NA NA NA 15.38 1.25 16.63 20.09 1.25 21.34
Antwerp Diamond Bank 41.53 0.38 41.91 28.65 0.38 29.03 36.75 0.34 37.09 26.44 0.35 26.79
AB Bank 108.24 1.17 109.41 135.25 1.34 136.59 42.27 0.82 43.09 49.97 0.70 50.67
Bank Internasional Indonesia 235.82 - 235.82 501.34 - 501.34 NA NA NA NA NA NA
Bank of America 10.93 1.21 12.14 12.20 1.63 13.83 12.11 1.34 13.45 11.23 1.50 12.73
Bank of Bahrain and Kuwait 23.35 1.21 24.56 29.30 1.24 30.54 20.54 1.07 21.61 24.44 1.14 25.58
Bank of Ceylon 54.91 1.06 55.97 62.16 1.51 63.67 54.91 1.06 55.97 44.11 1.07 45.18
Bank of Nova Scotia 14.72 5.43 20.15 15.05 4.29 19.34 NA NA NA 10.42 2.96 13.38
Bank of Tokyo-Mitsubishi UFJ * NA NA NA NA NA NA 26.36 0.51 26.87 28.80 0.71 29.51
Barclays Bank 20.81 0.30 21.11 NA NA NA NA NA NA 16.62 0.45 17.07
BNP Paribas 8.07 3.72 11.79 8.54 4.06 12.60 8.67 3.99 12.66 8.38 3.99 12.37
Calyon Bank NA NA NA NA NA NA 7.80 1.90 9.70 9.80 3.40 13.20
Chinatrust Commercial bank NA NA NA NA NA NA 22.07 0.65 22.72 44.75 0.65 45.40
Citibank NA NA 12.13 NA NA 14.81 11.24 0.76 12.00 12.42 0.81 13.23
DBS Bank 17.53 3.72 21.25 12.03 6.37 18.40 14.98 3.17 18.15 10.27 5.43 15.70
Deutsche Bank 13.09 0.49 13.58 NA NA 15.44 14.51 0.54 15.05 14.62 0.63 15.25
Hongkong and Shanghai Banking Corpn. 9.72 0.87 10.59 NA NA 14.08 NA NA NA 14.12 1.19 15.31
JPMorgan Chase Bank 17.60 0.12 17.72 NA NA 16.79 NA NA NA 15.38 0.52 15.90
JSC VTB Bank # NA NA NA NA NA NA NA NA NA317.51 0.00 371.51
Krung Thai Bank Public Company 124.69 1.25 125.94 109.28 1.25 110.53 107.95 1.08 109.03 79.68 1.25 80.93
Mashreq Bank 158.30 3.33 161.63 172.03 3.43 175.47 51.70 1.11 52.81 75.55 1.25 76.80
MIZUHO Corporate Bank 27.55 0.25 27.80 36.92 0.29 37.21 29.41 0.27 29.68 37.29 0.29 37.58
Oman International Bank 24.45 0.68 25.13 25.37 2.10 27.48 22.47 0.62 23.09 23.25 1.92 25.17
Shinhan Bank 61.90 0.72 62.62 51.07 0.63 51.70 48.10 0.56 48.66 36.35 0.45 36.80
Societe Generale 27.87 0.13 28.00 31.94 0.56 32.50 20.66 0.11 20.77 22.08 0.39 22.47
Sonali Bank 40.94 0.31 41.25 36.67 0.38 37.05 NA NA NA NA NA NA
Standard Chartered Bank NA NA NA NA NA NA 8.21 2.38 10.59 7.99 3.56 11.55
State Bank of Mauritius 37.85 3.28 41.13 32.33 2.29 34.62 38.34 3.32 41.66 35.52 2.49 38.01
UBS AG # NA NA NA NA NA NA NA NA NA229.37 0.00 229.37
Note : # See ‘ Explanatory Notes’.

Source: Annual accounts of banks.
197
TABLE B4 :PROVISIONS AND CONTINGENCIES OF SCHEDULED COMMERCIAL BANKS : 2009
(Amount in Rs. lakhs )
Provisions and Contingencies as on March 31
Bank Name Taxation NPA Investments Others Total
(1) (2) (3) (4) (5)
State Bank of India 505942 247496 70716 55246 879400
State Bank of Bikaner and Jaipur 24912 7343 8814 7870 48939
State Bank of Hyderabad 15829 13477 18534 20875 68715
State Bank of Indore 14141 5695 6819 7854 34509
State Bank of Mysore 16067 5416 6551 3627 31661
State Bank of Patiala 24531 7349 18609 9171 59660
State Bank of Travancore 19468 5875 3556 15945 44844
Nationalised Banks
Allahabad Bank 30717 31323 35749 15466 113255
Andhra Bank 24500 17013 18196 3789 63498
Bank of Baroda 111574 26860 53675 15671 207780
Bank of India 115708 62269 47406 19563 244946
Bank of Maharashtra 13589 18717 3279 6251 41836
Canara Bank 50000 90000 40735 8400 189135
Central Bank of India 35374 32234 9052 9890 86550
Corporation Bank 49348 17000 15448 8589 90385
Dena Bank 11877 19944 2105 -3556 30370
IDBI Bank Ltd. 12710 14376 22619 2233 51938
Indian Bank 54076 1366 20265 22644 98351
Indian Overseas Bank 62851 36550 107 20285 119793
Oriental Bank of Commerce 25463 17058 23357 12077 77955
Punjab and Sind Bank 14954 6283 -16 7832 29053
Punjab National Bank 167604 82113 -21634 37263 265346
Syndicate Bank 12352 44694 10591 15725 83362
UCO Bank 8685 26842 518 28346 64391
Union Bank of India 63000 54648 -3900 21797 135545
United Bank of India 5909 19882 12731 10730 49252
Vijaya Bank 27902 13424 12432 9885 63643
198
TABLE B4 :PROVISIONS AND CONTINGENCIES OF SCHEDULED COMMERCIAL BANKS : 2009 (Contd.)
(1) (2) (3) (4) (5)
Foreign Banks
AB Bank 304 31 - - 335
ABN Amro Bank 14011 33593 7 91478 139089
Abu Dhabi Commercial Bank 839 -536 42 15 360
American Express Banking Corp. # 160 561 - 5406 6128
Antwerp Diamond Bank 1169 - - 347 1516
Bank of America 28972 - -937 5585 33620
Bank of Bahrain & Kuwait 484 -1904 - 1842 422
Bank of Ceylon 544 -298 18 37 301
Bank of Nova Scotia 13128 - 229 62 13419
Bank of Tokyo-Mitsubishi UFJ 8832 125 - 561 9518
Barclays Bank 3175 54265 424 14603 72467
BNP Paribas 20374 798 -1893 5130 24409
Calyon Bank 16173 -33 -2308 3438 17270
Chinatrust Commercial Bank 68 - 8 -42 34
Citibank 164499 160720 - -1880 323339
DBS Bank 18982 1211 -1961 1074 19306
Deutsche Bank 47862 12597 267 12080 72806
Hong Kong & Shanghai Banking Corporation 103301 - - 184639 287940
J P Morgan Chase Bank 34852 -2431 3699 6047 42167
JSC VTB Bank # 6 - - 23 29
Krung Thai Bank 154 - - 4 158
Mashreq Bank 371 - 49 -16 404
Mizuho Corporate Bank 2855 -22 - 175 3008
Oman International Bank 8 - - -122 -114
Shinhan Bank 1381 - - 70 1451
Societe Generale 2995 - 642 -20 3617
Sonali Bank 89 - - 2 91
Standard Chartered Bank 118672 - 115 66249 185037
State Bank of Mauritius 440 - 11 70 521
UBS AG # 156 - - - 156

199
TABLE B4 :PROVISIONS AND CONTINGENCIES OF SCHEDULED COMMERCIAL BANKS : 2009 (Concld.)
(1) (2) (3) (4) (5)
Axis Bank 97012 73221 10780 9939 190952
Bank of Rajasthan 5537 1509 72 487 7605
Catholic Syrian Bank 1807 753 -145 1747 4162
City Union Bank 5615 - 700 4143 10458
Development Credit Bank 150 14941 353 898 16342
Dhanalakshmi Bank 2221 274 -94 644 3045
Federal Bank 29252 34650 2352 9674 75928
HDFC Bank 105492 160580 - 27330 293402
ICICI Bank 135884 376903 9773 -5850 516710
IndusInd Bank 7915 12529 -309 1856 21991
ING Vysya Bank 10587 10634 - 2382 23604
Jammu & Kashmir Bank 22226 5580 4208 4448 36462
Karnataka Bank 13301 4700 3335 15 21351
Karur Vysya Bank 9510 - 6815 1893 18218
Kotak Mahindra Bank 14996 25325 199 -131 40389
Lakshmi Vilas Bank 3120 - 771 1964 5855
Nainital Bank 2008 - 4 799 2811
Ratnakar Bank 1504 -290 317 - 1531
SBI Comm. & Intl. Bank 76 -7 -25 1 45
South Indian Bank 10663 2195 2358 1176 16393
Yes Bank 16207 5707 -1994 2461 22381
200
TABLE B5 : CONTINGENT LIABILITIES OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009

As on March 31
Liability on account of Guarantees given on behalf
outstanding forward of constituents
Bank Name exchange contracts $ In India Outside India
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)

State Bank of India 31045752 28942924 3515913 4654440 1450388 2641729
State Bank of Bikaner & Jaipur 1322463 811312 126628 147205 - -
State Bank of Hyderabad 1537521 2047027 303685 419112 18638 42902
State Bank of Indore 2931875 3440005 128313 152104 7134 7756
State Bank of Mysore 1179219 1559650 90596 130439 - -
State Bank of Patiala 1712913 1334090 229308 415392 26491 14401
State Bank of Saurashtra # 463590 44244 412
State Bank of Travancore 1318251 966755 202236 267069 3 5316
Total 41511584 39101761 4640922 6185760 1503067 2712103
Nationalised Banks
Allahabad Bank 4887969 3688890 259151 345905 21504 21745
Andhra Bank 1352012 2462708 308051 386424 21285 18759
Bank of Baroda 5649249 4818686 476827 632302 202493 307237
Bank of India 8987696 6523787 784284 1111334 243660 392022
Bank of Maharashtra 1016837 956809 249499 309958 22793 59864
Canara Bank 7760273 11305869 1733699 2282647 1535 3118
Central Bank of India 1445519 1647440 289048 394675 18924 27718
Corporation Bank 1833502 2978495 468689 596095 92809 57473
Dena Bank 939287 530076 223204 280001 - -
IDBI Bank Ltd. 3029404 3382897 1159435 2645914 20375 3585
Indian Bank 652575 937103 289173 441989 1083 4861
Indian Overseas Bank 1113862 1544202 540547 804463 9229 27190
Oriental Bank of Commerce 742925 1322772 634524 784755 44196 187593
Punjab & Sind Bank 273825 339915 55531 81352 - -
Punjab National Bank 6508557 5774978 1117112 1328904 310046 668944
Syndicate Bank 4390726 6594998 488274 575957 11928 10053
UCO Bank 2029528 3920720 350660 531019 7220 18466
Union Bank of India 4185416 5413663 461967 817002 8449 17973
United Bank of India 315649 230507 141455 164834 22657 28601
Vijaya Bank 784515 537583 272518 323164 - -
Total 57899326 64912097 10303646 14838694 1060184 1855203
Note : $ Includes derivative contracts

# See ‘Explanatory Notes’.
201
TABLE B5 : CONTINGENT LIABILITIES OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)

As on March 31
Acceptances,
endorsements and Others @ Total
Bank Name other obligations
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)

State Bank of Bikaner & Jaipur 128104 127601 30705 19115 1607899 1105233
State Bank of Mysore 200359 204038 17369 17314 1487543 1911440
State Bank of Saurashtra # 113689 10241 632176
Total 8994641 12556908 37828703 25417656 94478916 85974189
Nationalised Banks
Allahabad Bank 304132 525988 80791 103445 5553546 4685973
Andhra Bank 137505 71619 154148 186624 1973000 3126134
Bank of Baroda 679049 862065 1228615 718321 8236233 7338610
Bank of India 1208642 1511119 3724617 2688396 14948898 12226659
Canara Bank 1416236 1523550 75579 65308 10987323 15180492
Dena Bank 135101 148674 174720 191928 1472311 1150680
IDBI Bank Ltd. 1139498 1728986 4771930 3627471 10120641 11388852
Indian Bank 286269 325143 44502 32805 1273602 1741900
Punjab & Sind Bank 41358 98733 539 959 371253 520959
Syndicate Bank 276418 347326 65006 108508 5232351 7636843
UCO Bank 385848 311966 63625 57475 2836881 4839646
Vijaya Bank 128126 108312 77271 219715 1262429 1188775
Total 11292047 14134812 11648288 9227242 92203490 104968048
Note : @ Including (a) claims against the bank not acknowledged as debts and (b) liability for partly paid investments
202

As on March 31
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
Foreign Banks
AB Bank - - 69 54 - -
ABN Amro Bank 68428928 38375784 361357 372161 46462 134982
Abu Dhabi Commercial Bank 15553 18129 976 859 1401 2009
American Express Banking Corp. # - - -
Antwerp Diamond Bank 37731 63904 100 100 - -
Bank Internasional Indonesia 3597 - - - - -
Bank of America 58202949 36593193 76822 140391 - -
Bank of Bahrain & Kuwait 22722 41427 2599 4685 - -
Bank of Ceylon 3159 9685 408 421 - -
Bank of Nova Scotia 1373002 1212873 56311 74064 2377 8240
Bank of Tokyo-Mitsubishi UFJ 186197 372177 46575 43972 - -
Barclays Bank 104275468 62436073 55280 87525 16234 42692
BNP Paribas 15646919 25680012 252572 274969 - -
Calyon Bank 67334435 33766842 35411 51130 94570 159562
Chinatrust Commercial Bank 3037 1375 1351 2495 - -
Citibank 94035359 61750996 548897 710558 191164 126627
DBS Bank 11375627 14623294 130478 257665 - -
Deutsche Bank 52156696 38175826 158366 193495 275861 376559
Hong Kong & Shanghai Banking Corporation 129664827 79122535 669420 728932 167898 194441
J P Morgan Chase Bank 81582681 62234306 41655 53449 - -
JSC VTB Bank # - 250 -
Krung Thai Bank - 27 16 16 - -
Mashreq Bank 2641 1147 7 5 298 2182
Mizuho Corporate Bank 259203 345724 34328 46453 - -
Oman International Bank 24347 24113 330 488 - -
Shinhan Bank 4558 23336 12704 18489 - -
Societe Generale 13198386 7990720 45831 57974 - -
Sonali Bank 570 742 6 6 - -
Standard Chartered Bank 160075182 122984573 800732 1053957 429077 498451
State Bank of Mauritius 15974 22495 453 3742 - -
UBS AG # - - -
Total 857929748 585871308 3333054 4178306 1225341 1545744
: # See ‘Explanatory Notes’.
203

As on March 31
Acceptances,
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
Foreign Banks
AB Bank 1532 4 - - 1601 57
ABN Amro Bank 253934 149488 3344 8145 69094024 39040561
Abu Dhabi Commercial Bank 79 303 2948 2949 20957 24249
American Express Banking Corp. # - 635 635
Antwerp Diamond Bank - - 51 51 37882 64055
Bank Internasional Indonesia - - - - 3597 -
Bank of America 45670 50040 129244 148367 58454685 36931990
Bank of Bahrain & Kuwait 1564 684 101 77 26987 46873
Bank of Ceylon 1571 1353 - - 5138 11459
Bank of Tokyo-Mitsubishi UFJ 5713 7649 400293 466562 638778 890360
Barclays Bank 65784 119678 651 833 104413419 62686803
BNP Paribas 87481 97431 49438518 42106697 65425490 68159109
Calyon Bank 20997 27406 72368 71605 67557781 34076545
Chinatrust Commercial Bank 477 792 - - 4865 4662
Citibank 380760 465533 69316698 43673144 164472878 106726858
DBS Bank 80505 58683 22478839 9296280 34065448 24235923
Deutsche Bank 642216 410154 11947794 10021935 65180932 49177968
J P Morgan Chase Bank 2614 18216 - - 81626949 62305970
JSC VTB Bank # - - 250
Krung Thai Bank 90 23 - - 106 66
Mashreq Bank 10815 7258 267 277 14028 10869
Mizuho Corporate Bank 3210 3104 1054 - 297795 395281
Oman International Bank 294 103 3714 3833 28684 28537
Shinhan Bank 607 99 - - 17869 41925
Societe Generale 10182 8776 - 9556 13254399 8067026
Sonali Bank 54 14 - - 630 763
State Bank of Mauritius 77 251 703 707 17206 27194
UBS AG # - 398 398
Total 4034043 4046815 154552262 106424542 1021074447 702066714
204

As on March 31
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
Axis Bank 23694085 17182511 1179635 1935292 17557 72813
Bank of Rajasthan 72269 71203 42244 44457 68 7
Catholic Syrian Bank 63626 53924 7604 9530 - -
Centurion Bank of Punjab # 1040628 156468 -
City Union Bank 352238 350317 29347 34535 - -
Development Credit Bank 341840 385079 41459 57518 5076 6738
Dhanalakshmi Bank 11161 8771 11386 9698 - -
Federal Bank 439300 455068 105601 156120 - -
HDFC Bank 56743738 38726500 566216 763536 - -
ICICI Bank 30717123 25836709 3383135 4530013 745016 1278801
IndusInd Bank 2626185 4028454 180314 174677 - -
ING Vysya Bank 5496917 6890296 322188 363107 - -
Jammu & Kashmir Bank 699614 544346 88729 95270 412 337
Karnataka Bank 519434 814695 81777 90985 - -
Karur Vysya Bank 561186 238826 84141 98180 - -
Kotak Mahindra Bank 642916 311467 70458 130688 - -
Lakshmi Vilas Bank 41235 58826 13271 27157 - 14
Nainital Bank - - 1771 1573 - -
Ratnakar Bank - - 3389 4948 - -
SBI Comm. & Intl. Bank 45877 19059 858 319 136 8
South Indian Bank 104105 99525 72922 76934 - -
Tamilnad Mercantile Bank 138466 61287 61384 35466 - -
Yes Bank 5930197 5499070 211792 391880 - -
Total 130282139 101635932 6716090 9031884 768266 1358718
All Scheduled Commercial Banks 1087622796 791521098 24993711 34234644 4556859 7471768

# See ‘Explanatory Notes’
205
TABLE B5 : CONTINGENT LIABILITIES OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Concld.)

As on March 31
Acceptances,
2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12)
Axis Bank 824656 1594873 173627 140542 25889560 20926031
Catholic Syrian Bank 6723 3692 3758 4715 81711 71861
Centurion Bank of Punjab # 262049 505782 1964927
City Union Bank 34279 17539 48 29 415912 402420
Dhanalakshmi Bank 1458 4054 3555 2431 27560 24953
Federal Bank 768383 134880 18309 12760 1331593 758828
HDFC Bank 1017214 938738 973641 169395 59300809 40598169
ICICI Bank 2509926 3067827 83753032 48754950 121108233 83468300
IndusInd Bank 268033 202009 23662 24777 3098193 4429917
ING Vysya Bank 129089 128799 4396 8624 5952589 7390826
Karnataka Bank 53361 44439 41328 54155 695901 1004274
Karur Vysya Bank 105639 83209 532 550 751499 420764
Kotak Mahindra Bank 53567 87059 11395817 5266207 12162758 5795421
Lakshmi Vilas Bank 21834 68703 12198 13519 88538 168218
Nainital Bank 265 278 30 46 2066 1898
Ratnakar Bank 63 904 203 198 3655 6050
SBI Comm. & Intl. Bank 1259 1223 1760 1837 49891 22446
South Indian Bank 31825 37225 1683 6722 210535 220405
Tamilnad Mercantile Bank 41790 43140 595 660 242235 140553
Yes Bank 288442 365687 459523 432177 6889954 6688814
Total 6821424 7137505 97513894 55023075 242101815 174187114
206
TABLE B6: MOVEMENT OF NON-PERFORMING ASSETS (NPAs) OF
SCHEDULED COMMERCIAL BANKS - 2007-08 AND 2008-09
(Amount in Rs. Lakh)

Net NPAs
Gross NPAs during 2008-09 (Closing Balance as at
end-March)
Banks Opening Addition Reduction Closing
Balance during the year during the year Balance 2008 2009
(1) (2) (3) (4) (5) (6)
State Bank of Bikaner and Jaipur 43731 33602 28300 49033 20909 25294
Nationalised Banks
Allahabad Bank 101051 84606 77832 107825 39981 42211
Andhra Bank 37243 20132 20561 36814 5370 7922
Bank of Baroda 198138 100189 114035 184292 49355 45115
Bank of India 193092 209973 155977 247088 59198 62821
Canara Bank 127262 237774 148239 216797 89903 150725
Dena Bank 57260 67571 62754 62077 21543 31338
IDBI Bank Ltd. 137661 63703 57795 143569 108291 94896
Indian Bank 48687 22893 25662 45918 9759 9381
Punjab and Sind Bank 13553 14187 11636 16104 6697 7803
Syndicate Bank 176865 96070 113481 159454 62273 63177
UCO Bank 165195 66653 77897 153951 109230 81267
Vijaya Bank 51150 66693 47961 69882 18161 29229

207
SCHEDULED COMMERCIAL BANKS - 2007-08 AND 2008-09 (Contd.)

Net NPAs
end-March)
(1) (2) (3) (4) (5) (6)
Foreign Banks
AB Bank 265 6 0 271 238 191
ABN Amro Bank 29409 124697 69698 84408 17388 36641
Abu Dhabi Commercial Bank 1949 75 611 1413 - -
American Express Banking Corp. # 1274 3250 - 4525 3028
Antwerp Diamond Bank - 2641 - 2641 - -
Bank Internasional Indonesia - - - - - -
Bank of America 70 - - 70 - -
Bank of Bahrain & Kuwait 2536 64 1424 1176 424 25
Bank of Ceylon 1668 6 1197 477 166 -
Bank of Nova Scotia 200 - - 200 - -
Barclays Bank 5303 100860 1378 104785 3244 48462
BNP Paribas 3376 4137 - 7513 - 3193
Calyon Bank 222 - 132 90 - -
Chinatrust Commercial Bank 130 - 130 - - -
Citibank 79160 251460 150050 180570 47180 105070
DBS Bank 521 3074 152 3443 109 1493
Deutsche Bank 5494 39563 20792 24265 1543 7717
J P Morgan Chase Bank 12143 2950 8945 6148 2241 892
JSC VTB Bank # - - - - -
Krung Thai Bank - - - - - -
Mashreq Bank - - - - - -
Mizuho Corporate Bank 658 - 22 636 - -
Oman International Bank - - - - - -
Shinhan Bank - - - - - -
Societe Generale - - - - - -
Sonali Bank 86 53 17 122 - 27
State Bank of Mauritius - - - - - -
UBS AG # - - - - -

208
SCHEDULED COMMERCIAL BANKS - 2007-08 AND 2008-09 (Concld.)

Net NPAs
end-March)
(1) (2) (3) (4) (5) (6)
Axis Bank 49461 89262 48946 89777 24829 32713
City Union Bank 8293 8642 6727 10208 4446 6111
Federal Bank 46859 57495 45400 58954 4320 6812
HDFC Bank 90697 341330 233220 198807 29852 62762
ICICI Bank 757954 506371 299394 964931 349055 455394
IndusInd Bank 39231 21900 35629 25502 29102 17913
ING Vysya Bank 11624 33181 23866 20939 10323 20595
Karnataka Bank 37957 16244 9881 44320 10648 11610
Karur Vysya Bank 19426 8211 7051 20586 1729 2582
Nainital Bank 1853 1148 1103 1898 - -
Ratnakar Bank 3709 471 2453 1727 581 545
SBI Comm. & Intl. Bank 527 29 95 461 - 23
Yes Bank 1057 8798 1362 8493 846 4116
209
TABLE B7: BANK-WISE GROSS NON-PERFORMING ASSETS, GROSS ADVANCES AND
GROSS NPA RATIO OF SCHEDULED COMMERCIAL BANKS - 2009

Banks Gross NPAs Gross Advances Gross NPA Ratio (%)

(1) (2) (3)
State Bank of Bikaner & Jaipur 49034 3008810 1.63
State Bank of Hyderabad 48604 4393772 1.11
State Bank of India 1634564 54929681 2.98
State Bank of Indore 30128 2174658 1.39
State Bank of Mysore 36761 2586988 1.42
State Bank of Patiala 57390 4396081 1.31
State Bank of Travancore 54902 3297158 1.67
Nationalised Banks
Allahabad Bank 107825 5944340 1.81
Andhra Bank 36814 4442760 0.83
Bank of Baroda 184293 14484487 1.27
Bank of India 247088 14473156 1.71
Bank of Maharashtra 79841 3481728 2.29
Canara Bank 216797 13903691 1.56
Central Bank of India 231655 8674027 2.67
Corporation Bank 55922 4892712 1.14
Dena Bank 62077 2918536 2.13
IDBI Bank Limited 143569 10391507 1.38
Indian Bank 45918 5183064 0.89
Indian Overseas Bank 192341 7580954 2.54
Oriental Bank of Commerce 105812 6906472 1.53
Punjab & Sind Bank 16104 2469810 0.65
Punjab National Bank 276746 15609845 1.77
Syndicate Bank 159454 8249504 1.93
UCO Bank 153951 6966905 2.21
Union Bank of India 192335 9826485 1.96
United Bank of India 101956 3572745 2.85
Vijaya Bank 69882 3587463 1.95
Note : Data are provisional. Figures are rounded off. Data pertain to the balance-sheets of banks.
Source : Department of Banking Supervision, RBI.
210
GROSS NPA RATIO OF SCHEDULED COMMERCIAL BANKS - 2009 (Contd.)


(1) (2) (3)
Foreign Banks
AB Bank 265 2861 9.26
ABN AMRO Bank 84409 1713740 4.93
Abu Dhabi Commercial Bank 1413 15145 9.33
American Express Banking Corp. 4525 71259 6.35
Antwerp Diamond Bank 2641 70320 3.76
BNP Paribas 7513 375308 2.00
Bank of America 70 335663 0.02
Bank of Bahrain & Kuwait 1176 29863 3.94
Bank of Ceylon 477 5009 9.52
Bank of Nova Scotia 200 480728 0.04
Barclays Bank 123475 1130065 10.93
Calyon Bank 91 176390 0.05
China Trust Commercial Bank - 15011 0.00
Citibank 208693 4095617 5.10
Deutsche Bank 24340 896600 2.71
Development Bank of Singapore 3443 274235 1.26
Hongkong & Shanghai Banking Corporation 154006 2873771 5.36
JP Morgan Chase Bank 6148 75511 8.14
JSC VTB Bank # - 965 0.00
Krung Thai Bank pcl - 926 0.00
Mashreq Bank - 977 0.01
Mizuho Corporate Bank 636 112551 0.57
Oman International Bank - 192 0.00
Shinhan Bank - 45760 0.00
Societe Generale - 36584 0.00
Sonali Bank 122 1161 10.53
Standard Chartered Bank 105751 3805944 2.78
State Bank of Mauritius - 30266 0.00
The Bank of Tokyo - Mitsubishi UFJ - 299132 0.00
UBS AG # - - 0.00
# See ‘ Explanatory Notes ‘.
211
GROSS NPA RATIO OF SCHEDULED COMMERCIAL BANKS - 2009 (Concld.)


(1) (2) (3)
Axis Bank 89048 8212012 1.08
Bank of Rajasthan 16092 788464 2.04
Catholic Syrian Bank 17178 376372 4.56
City Union Bank 10208 568622 1.80
Development Credit Bank 30555 348005 8.78
Dhanalakshmi Bank 6443 323160 1.99
Federal Bank 58954 2290680 2.57
HDFC Bank 198392 10023935 1.98
ICICI Bank 964931 22362109 4.32
IndusInd Bank 25502 1584653 1.61
ING Vysya Bank 20939 1675437 1.25
Jammu & Kashmir Bank 55927 2121971 2.64
Karnataka Bank 44320 1212297 3.66
Karur Vysya Bank 20586 1056290 1.95
Kotak Mahindra Bank 73071 1695921 4.31
Lakshmi Vilas Bank 14405 531978 2.71
Nainital Bank 1898 113900 1.67
Ratnakar Bank 1728 81294 2.13
SBI Commercial & International Bank 461 31534 1.46
South Indian Bank 26056 1196516 2.18
Yes Bank 8493 1244686 0.68
All Scheduled Commercial Banks 7006342 303158730 2.31
212
TABLE B8 : APPROPRIATION OF PROFIT OF SCHEDULED COMMERCIAL
BANKS- 2007-08 AND 2008-09

Net profit for Profit brought Profit available for
Name of the Bank the year forward appropriation
2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
State Bank of Bikaner and Jaipur 31500 40345 - - 31500 40345
State Bank of Hyderabad 55699 61581 - - 55699 61581
State Bank of Mysore 31885 33691 - - 31886 33692
State Bank of Patiala 41373 53154 - - 41373 53154
State Bank of Saurashtra # 5198 - 5198
Total : 900580 1189570 185 178 900766 1189748
Nationalised Banks
Allahabad Bank 97474 76860 10250 9987 107724 86847
Andhra Bank 57557 65305 7623 7683 65180 72989
Bank of Baroda 143552 222720 - - 143552 222720
Bank of India 200940 300735 54176 - 255116 300735
Canara Bank 156501 207242 - - 156501 207242
Corporation Bank 73499 89277 - - 73499 89277
Dena Bank 35979 42266 - - 35979 42266
IDBI Bank Ltd. 72946 85854 131490 2104 204436 87958
Indian Bank 100874 124532 8069 8426 108943 132958
Indian Overseas Bank 120234 132579 - - 120234 132579
Punjab and Sind Bank 38236 43718 13268 39995 51504 83713
Punjab National Bank 204876 309088 1552 - 206428 309088
Syndicate Bank 84807 91282 - - 84807 91282
UCO Bank 41216 55772 40527 60023 81742 115795
United Bank of India 31895 18471 - - 31895 18471
Vijaya Bank 36128 26248 60613 75069 96741 101317
Total : 1758592 2249787 341402 229324 2099994 2479111
Public Sector Banks 2659173 3439358 341587 229501 3000760 3668859
Note : # See ‘ Explanatory Notes ‘.
213
BANKS- 2007-08 AND 2008-09 (Contd.)

Transfer to statutory Transfer to capital Transfer to investments Transfer to debenture
Name of the Bank reserves reserves fluctuation reserves redemption reserves
2008 2009 2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12) (13) (14)

State Bank of India 483907 529179 444 82655 6218 - - -
State Bank of Bikaner and Jaipur 9450 12104 55 405 - - - -
State Bank of Hyderabad 16710 18474 - 5728 - - - -
State Bank of Indore 6000 7000 193 4162 - - - -
State Bank of Mysore 24301 8423 104 6533 - - - -
State Bank of Patiala 10600 13290 - 1748 - - - -
State Bank of Saurashtra # 1300 355 - -
State Bank of Travancore 9653 15196 - 3762 - - - -
Total : 561921 603666 1151 104994 6218 - - -
Nationalised Banks
Allahabad Bank 24500 19300 1014 22870 - - - -
Andhra Bank 14400 16340 - 10820 - - - -
Bank of Baroda 35888 55680 8465 35826 - - - -
Bank of India 70000 80000 4282 56926 - - - -
Bank of Maharashtra 8210 9379 1360 6599 - - - -
Canara Bank 40000 52000 10200 58864 - - - -
Central Bank of India 16505 14281 - - 886 14072 - -
Corporation Bank 20000 22400 3973 37959 987 - - -
Dena Bank 10794 12680 1446 2613 - - - -
IDBI Bank Ltd. 18300 21500 310 10639 - - - -
Indian Bank 25200 31300 137 2413 - 1109 - -
Indian Overseas Bank 36100 39800 2316 60630 - - - -
Oriental Bank of Commerce 8900 22700 - 34212 - - - -
Punjab and Sind Bank 10000 11000 678 11679 - - - -
Punjab National Bank 51219 77272 8394 27563 - 10711 - -
Syndicate Bank 21202 22821 3 3814 - - - -
UCO Bank 10304 13943 827 12826 - - - -
Union Bank of India 41800 51800 14186 21708 - - - -
United Bank of India 7974 3750 1278 14721 - - - -
Vijaya Bank 9032 6562 - 14628 - - - -
Total : 480327 584508 58870 447308 1873 25892 - -
Public Sector Banks 1042247 1188174 60021 552302 8091 25892 - -

214
BANKS- 2007-08 AND 2008-09 (Contd.)

Transfer to other Transfer to proposed Transfer to tax Balance carried over
reserves dividend on dividend to balance sheet
Name of the Bank 2008 2009 2008 2009 2008 2009 2008 2009
(15) (16) (17) (18) (19) (20) (21) (22)

State Bank of India 30000 91369 135766 184115 16587 24803 34 34
State Bank of Bikaner and Jaipur 16145 20817 5000 6000 850 1020 - -
State Bank of Hyderabad 29302 27692 9687 9687 - - - -
State Bank of Indore 14135 13662 2625 2625 446 446 3 -
State Bank of Mysore 3269 14523 3600 3600 612 612 - -
State Bank of Patiala 22087 27470 8687 10647 - - - -
State Bank of Saurashtra # 3544 - - -
State Bank of Travancore 23108 34239 5000 6500 850 1104 140 123
Total : 141589 229771 170365 223174 19344 27985 178 157
Nationalised Banks
Allahabad Bank 53931 22003 15635 11168 2657 1898 9987 9609
Andhra Bank 20400 5000 19400 21825 3297 3709 7683 15294
Bank of Baroda 65105 92859 34094 38356 - - - -
Bank of India 156257 114655 24577 49154 - - - -
Bank of Maharashtra 800 27061 8610 6458 1463 1098 25861 12784
Canara Bank 67901 58003 32800 32800 5600 5575 - -
Central Bank of India 20200 11300 15083 14887 2563 2530 58 113
Corporation Bank 30918 7941 15061 17930 2560 3047 - -
Dena Bank 20383 22947 3356 4027 - - - -
IDBI Bank Ltd. 167000 27500 14495 18120 2227 3079 2104 7120
Indian Bank 50972 60000 20691 25239 3516 4289 8426 8609
Indian Overseas Bank 61421 3466 20396 28682 - - - -
Oriental Bank of Commerce 12636 12200 11775 18289 2001 3108 51 83
Punjab and Sind Bank 832 1326 - - - - 39994 59709
Punjab National Bank 98859 119000 40989 63061 6966 10717 - 764
Syndicate Bank 46503 46328 17099 18320 - - - -
UCO Bank 1236 1500 7994 6022 1359 1023 60023 80480
Union Bank of India 59062 69580 20205 25256 3434 4292 65 83
United Bank of India 17265 - 4597 - 781 - - -
Vijaya Bank 2495 -1 10144 5082 - - 75069 75047
Total : 954177 702668 337002 404674 38424 44367 229322 269694
Public Sector Banks 1095766 932439 507366 627848 57769 72352 229499 269852
215
BANKS- 2007-08 AND 2008-09 (Contd.)

2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
Foreign Banks
AB Bank 288 380 257 299 545 679
ABN Amro Bank 28067 1940 119212 139659 147279 141598
Abu Dhabi Commercial Bank 2897 1636 -2239 -67 658 1570
American Express Banking Corp. # -10486 47 -10439
Antwerp Diamond Bank 1071 1557 1682 96 2753 1653
Bank Internasional Indonesia 700 134 -3633 -3074 -2934 -2939
Bank of America 30523 33699 - - 30523 33699
Bank of Bahrain & Kuwait 1922 1741 - - 1922 1741
Bank of Ceylon 376 1976 1369 1632 1745 3608
Barclays Bank 615 3010 6831 280 7445 3291
BNP Paribas 13072 16997 - - 13072 16997
Calyon Bank 12670 15554 7397 11059 20067 26613
Chinatrust Commercial Bank 334 565 -692 -441 -358 124
Citibank 180426 217308 - - 180426 217308
DBS Bank 6503 25904 5960 10515 12463 36419
Deutsche Bank 38611 43006 15531 31467 54141 74473
J P Morgan Chase Bank 24911 44386 8419 18776 33329 63162
JSC VTB Bank # -29 - -29
Krung Thai Bank 198 186 - 149 198 334
Mashreq Bank 911 546 - - 911 546
Mizuho Corporate Bank 2052 4271 1717 3244 3769 7516
Oman International Bank 777 293 -15802 -15254 -15025 -14961
Shinhan Bank 1315 1929 880 - 2195 1929
Societe Generale 4029 3959 - - 4029 3959
Sonali Bank 58 106 98 75 155 181
Standard Chartered Bank 170623 190677 - - 170623 190677
State Bank of Mauritius 512 566 2817 - 3329 566
UBS AG # -1974 - -1974
Total : 661224 751025 195699 226206 856924 977231

216
BANKS- 2007-08 AND 2008-09 (Contd.)

2008 2009 2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12) (13) (14)
Foreign Banks
AB Bank 56 95 - - - - - -
ABN Amro Bank 7017 485 - - - - - -
Abu Dhabi Commercial Bank 724 409 - - - - - -
American Express Banking Corp. # - - - -
Antwerp Diamond Bank 268 389 - - - - - -
Bank Internasional Indonesia 175 19 - - -35 - - -
Bank of America 7631 8425 - - 4765 5420 - -
Bank of Bahrain & Kuwait 402 435 313 - - - - -
Bank of Ceylon 113 593 - - - - - -
Bank of Nova Scotia 2532 3822 - - 4 - - -
Bank of Tokyo-Mitsubishi UFJ 2102 1694 - - - - - -
Barclays Bank 154 753 181 - - - - -
BNP Paribas 3268 4249 - - - - - -
Calyon Bank 3167 3888 - - - 1185 - -
Chinatrust Commercial Bank 84 141 - - - - - -
Citibank 45107 54327 2815 601 1142 4701 - -
DBS Bank 1626 6476 - 10033 322 850 - -
Deutsche Bank 9653 10752 - - 106 - - -
Hong Kong & Shanghai Banking Corpn. 29807 32282 111613 13774 - 3357 - -
J P Morgan Chase Bank 6228 11096 8325 17902 - - - -
JSC VTB Bank # - - - -
Krung Thai Bank 50 46 - - - - - -
Mashreq Bank 228 136 - - - - - -
Mizuho Corporate Bank 513 1068 - - - - - -
Oman International Bank 194 73 - - 34 92 - -
Shinhan Bank 1315 1929 - - - - - -
Societe Generale 1007 990 - - - 467 - -
Sonali Bank 14 27 - - - - - -
Standard Chartered Bank 42656 47669 - - - - - -
State Bank of Mauritius 128 141 - - - - - -
UBS AG # - - - -
Total : 166216 192410 123247 42310 6339 16072 - -
217
BANKS- 2007-08 AND 2008-09 (Contd.)

Name of the Bank 2008 2009 2008 2009 2008 2009 2008 2009
(15) (16) (17) (18) (19) (20) (21) (22)
Foreign Banks
AB Bank 190 200 - - - - 299 384
ABN Amro Bank 604 - - - - - 139659 141113
Abu Dhabi Commercial Bank - 1161 - - - - -67 -
American Express Banking Corp. # - - - -10439
Antwerp Diamond Bank 2389 - - - - - 96 1264
Bank Internasional Indonesia - - - - - - -3074 -2958
Bank of America 18127 19854 - - - - - -
Bank of Bahrain & Kuwait - - - - - - 1206 1306
Bank of Ceylon - - - - - - 1632 3015
Bank of Nova Scotia 5623 - - - - - 7660 19125
Bank of Tokyo-Mitsubishi UFJ 3838 - - - - - 6307 11389
Barclays Bank 6831 - - - - - 280 2538
BNP Paribas 9804 12748 - - - - - -
Calyon Bank 5840 19980 - - - - 11059 1559
Chinatrust Commercial Bank - - - - - - -441 -17
Citibank 131362 157678 - - - - - -
DBS Bank - - - - - - 10515 19060
Deutsche Bank 12916 28531 - - - - 31467 35191
Hong Kong & Shanghai Banking Corpn. 400 844 - - - - 13774 92645
J P Morgan Chase Bank - - - - - - 18776 34164
JSC VTB Bank # - - - -29
Krung Thai Bank - 149 - - - - 149 139
Mashreq Bank - 15 - - - - 684 394
Mizuho Corporate Bank 12 - - - - - 3244 6448
Oman International Bank - - - - - - -15254 -15126
Shinhan Bank - - - - - - 880 0
Societe Generale - - - - - - 3022 2502
Sonali Bank 66 41 - - - - 75 113
Standard Chartered Bank 106491 93008 - - - - 21477 50000
State Bank of Mauritius - - - - - - 3201 424
UBS AG # - - - -1974
Total : 304492 334209 - - - - 256628 392229
218
BANKS- 2007-08 AND 2008-09 (Contd.)

2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6)
Axis Bank 107103 181536 102907 155387 210010 336923
Centurion Bank of Punjab # 11798 16579 28377
City Union Bank 10173 12213 7 487 10180 12701
Development Credit Bank 3833 -8810 -23260 -20620 -19427 -29430
Federal Bank 36805 50049 1446 1462 38251 51511
HDFC Bank 159019 224494 193204 257463 352223 481957
ICICI Bank 415773 375813 99827 243632 515600 619445
IndusInd Bank 7505 14834 21139 24299 28645 39133
ING Vysya Bank 15693 18878 1844 10353 17537 29231
Jammu & Kashmir Bank 36000 40984 - - 36000 40984
Karnataka Bank 24174 26671 2 10 24176 26680
Karur Vysya Bank 20833 23584 136 249 20969 23833
Nainital Bank 2714 3603 - - 2714 3603
Ratnakar Bank 1701 3053 49 58 1750 3111
SBI Comm. & Intl. Bank 1285 1107 -1415 -452 -130 655
Yes Bank 20002 30384 10530 24508 30532 54892
Total : 952191 1086762 471383 769580 1423574 1856342
219
BANKS- 2007-08 AND 2008-09 (Contd.)

2008 2009 2008 2009 2008 2009 2008 2009
(7) (8) (9) (10) (11) (12) (13) (14)
Axis Bank 26776 45384 2684 14672 - 6 - -
Bank of Rajasthan 2880 2943 8 2514 - 71 - -
Catholic Syrian Bank 914 930 21 2235 28 74 - -
Centurion Bank of Punjab # 3026 - 702 -
City Union Bank 2601 3125 271 2136 - 131 - -
Development Credit Bank 958 - - 473 235 87 - -
Dhanalakshmi Bank 854 1724 - 379 - - - -
Federal Bank 9202 12512 2768 2975 1841 - - -
HDFC Bank 39755 56123 - 9387 3850 -1386 - -
ICICI Bank 104000 94000 12700 81800 - - - -
IndusInd Bank 1876 3708 224 5340 - 153 - -
ING Vysya Bank 3923 4719 315 228 477 230 - -
Jammu & Kashmir Bank 9000 10234 - - - - - -
Karnataka Bank 14800 10000 38 6067 150 - - -
Karur Vysya Bank 6300 7100 371 4113 138 - - -
Kotak Mahindra Bank 7350 6903 148 297 - 4170 - -
Lakshmi Vilas Bank 700 1525 855 1879 - - - -
Nainital Bank 678 901 5 1 120 52 - -
Ratnakar Bank 450 775 46 527 - - - -
SBI Comm. & Intl. Bank 321 277 - - - 12 - -
South Indian Bank 3800 4900 1 50 - - - -
Tamilnad Mercantile Bank 3810 4512 - - 191 251 - -
Yes Bank 5001 7596 1023 6717 - 2 - -
Total : 248976 279891 21478 141789 7733 3855 - -
All Scheduled Commercial Banks 1457439 1660475 204746 736401 22163 45819 - -
Note : # See ‘ Explanatory Notes ‘
220
BANKS- 2007-08 AND 2008-09 (Concld.)

Name of the Bank 2008 2009 2008 2009 2008 2009 2008 2009
(15) (16) (17) (18) (19) (20) (21) (22)
Axis Bank - - 25164 42052 - - 155387 234809
Bank of Rajasthan 1000 1000 672 323 114 55 18569 23434
Catholic Syrian Bank 2274 248 420 258 - - - 1
Centurion Bank of Punjab # - - - 24649
City Union Bank 4948 4000 1600 2400 272 408 487 501
Development Credit Bank - - - - - - -20620 -29989
Dhanalakshmi Bank 1612 3267 641 641 109 109 1 1
Federal Bank 14974 23825 6841 8552 1163 1454 1462 2193
HDFC Bank 15902 22449 30133 42597 5120 7229 257463 345557
ICICI Bank 17531 25042 122834 122516 14903 15121 243632 280965
IndusInd Bank - - 1919 4471 326 760 24299 24700
ING Vysya Bank 670 1000 1537 2052 261 349 10353 20653
Jammu & Kashmir Bank 18209 21160 7514 8197 1277 1393 - -
Karnataka Bank 2080 2076 6067 7294 1031 1240 10 3
Karur Vysya Bank 6475 4900 6474 6474 1100 1100 110 145
Kotak Mahindra Bank 1470 1381 2587 2596 440 186 52817 64894
Lakshmi Vilas Bank 130 200 732 1220 124 207 30 29
Nainital Bank 1278 2017 540 540 92 92 - -
Ratnakar Bank 600 550 509 1047 87 178 58 34
SBI Comm. & Intl. Bank - - - - - - -452 366
South Indian Bank 8100 10000 2712 3390 461 576 908 1467
Tamilnad Mercantile Bank 7004 8603 1422 1422 242 242 17 7
Yes Bank - - - - - - 24508 40578
Total : 104258 131718 220319 258042 27122 30699 793689 1010347
All Scheduled Commercial Banks 1504516 1398367 727685 885890 84891 103051 1279817 1672428
221
TABLE B9 : EXPOSURE TO SENSITIVE SECTORS OF SCHEDULED
COMMERCIAL BANKS - 2008 AND 2009
As on March 31
Capital Market Real Estate Commodity
Total
Name of the Bank Sector Sector Sector
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
State Bank of India 658835 697433 5787054 6410497 - - 6445889 7107930
State Bank of Bikaner and Jaipur 25068 23263 372709 423680 - - 397777 446943
State Bank of Hyderabad 37631 34939 535882 550650 - - 573513 585589
State Bank of Indore 17569 14688 227600 241673 - - 245169 256361
State Bank of Mysore 14454 21109 365841 481702 - - 380295 502811
State Bank of Patiala 44325 40504 469473 501537 - - 513798 542041
State Bank of Saurashtra # 9712 278948 - 288660
State Bank of Travancore 35282 35414 539275 684786 - - 574557 720200
Nationalised Banks
Allahabad Bank 86771 74509 717905 678556 - - 804676 753065
Andhra Bank 40732 49350 553611 567317 - - 594343 616667
Bank of Baroda 111942 134240 1372967 1581208 - - 1484909 1715448
Bank of India 191314 296565 1663005 1970199 - - 1854319 2266764
Bank of Maharashtra 32140 27995 692422 657322 - - 724562 685317
Canara Bank 174098 173064 1458603 1596886 - - 1632701 1769950
Central Bank of India 169484 174506 1049840 1724332 - - 1219324 1898838
Corporation Bank 79432 68403 899317 939349 73411 - 1052160 1007752
Dena Bank 33695 32127 362510 413446 - - 396205 445573
IDBI Bank Ltd. 297572 294654 1573061 2179345 - - 1870633 2473999
Indian Bank 115482 114654 863031 1154945 - - 978513 1269599
Indian Overseas Bank 96163 177087 713272 1047177 - - 809435 1224264
Oriental Bank of Commerce 103967 95034 916223 1322690 - - 1020190 1417724
Punjab and Sind Bank 10310 5880 341632 412981 - - 351942 418861
Punjab National Bank 296512 347591 2318225 2972063 - - 2614737 3319654
Syndicate Bank 88434 69999 940965 1068234 - - 1029399 1138233
UCO Bank 56931 66602 716285 684703 - - 773216 751305
Union Bank of India 181986 162082 1307967 1701672 - - 1489953 1863754
United Bank of India 49112 52670 520496 580869 - - 569608 633539
Vijaya Bank 41209 35844 784365 882652 - - 825574 918496
Notes : 1. Exposure to capital market is inclusive of both investments and advances.

2. Exposure to real estate sector is inclusive of both direct and indirect lending.
# : See ‘ Explanatory Notes ‘.
222
COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
As on March 31
Total
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Foreign Banks
AB Bank - - - - - - - -
ABN Amro Bank 68479 36351 329836 252781 - - 398315 289132
Abu Dhabi Commercial Bank 597 1078 150 1545 - - 746 2623
American Express Banking Corp. # - - - -
Antwerp Diamond Bank - - - - - - - -
Bank Internasional Indonesia - - - -
Bank of America 3506 6 21243 84374 - - 24749 84380
Bank of Bahrain & Kuwait - - 1208 1518 - - 1208 1518
Bank of Ceylon - - 429 856 - - 429 856
Bank of Nova Scotia 305 - 37886 42500 - - 38191 42500
Bank of Tokyo-Mitsubishi UFJ - - 275 - - - 275 -
Barclays Bank 30736 20158 25856 112909 - - 56592 133067
BNP Paribas 6992 6890 36349 27840 - - 43341 34730
Calyon Bank - - - - - - - -
Chinatrust Commercial Bank - - 2389 1578 - - 2389 1578
Citibank 111440 214020 940270 1489760 - - 1051710 1703780
DBS Bank - - 50726 56246 10053 - 60779 56246
Deutsche Bank 27346 24631 99685 250049 - - 127031 274678
Hong Kong & Shanghai
Banking Corpn. 144518 146127 1203559 1061443 - - 1348077 1207569
J P Morgan Chase Bank - - 19380 - - - 19380 -
JSC VTB Bank # - - - -
Krung Thai Bank - - - - - - - -
Mashreq Bank - - 19 118 - - 19 117
Mizuho Corporate Bank - - 5072 77 - - 5072 77
Oman International Bank - - 107 157 - - 106 156
Shinhan Bank - - 4682 5445 - - 4681 5445
Societe Generale 4167 4047 6440 5667 - - 10607 9714
Sonali Bank - - - - - - - -
Standard Chartered Bank 138742 149458 944676 1041760 - - 1083418 1191217
State Bank of Mauritius - - 2860 3835 - - 2860 3835
UBS AG # - - - -

223
COMMERCIAL BANKS - 2008 AND 2009 (Concld.)
As on March 31
Total
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Axis Bank 185068 233105 1520205 1919074 - - 1705273 2152179
Bank of Rajasthan 9722 17378 117776 123406 - - 127498 140784
Catholic Syrian Bank 1011 738 56418 59794 - - 57429 60532
Centurion Bank of Punjab # 669200 363746 - 1032946
City Union Bank 4671 4722 83323 97631 - - 87994 102353
Development Credit Bank 7730 6473 38416 22361 - - 46146 28834
Dhanalakshmi Bank 1856 903 33969 33699 - - 35825 34602
Federal Bank 59085 41959 411614 575769 - - 470699 617728
HDFC Bank 448392 432021 1015704 1847380 - - 1464096 2279401
ICICI Bank 848281 618348 8130024 7680209 - - 8978305 8298557
IndusInd Bank 35087 37527 46802 66581 - - 81889 104108
ING Vysya Bank 49856 43214 312325 426396 - - 362180 469610
Jammu & Kashmir Bank 53965 40353 262681 256477 80928 89749 397574 386579
Karnataka Bank 27424 21388 211570 223059 - - 238994 244447
Karur Vysya Bank 20893 27645 77001 102453 - - 97894 130098
Kotak Mahindra Bank 47342 38608 530445 692637 - - 577787 731245
Lakshmi Vilas Bank 11758 12055 50486 56384 - - 62244 68439
Nainital Bank 111 111 22320 22910 - - 22431 23021
Ratnakar Bank 1473 1200 8480 13387 - - 9953 14587
SBI Comm. & Intl. Bank 477 464 895 1022 - - 1371 1485
South Indian Bank 5553 9482 165430 167710 - - 170983 177192
Tamilnad Mercantile Bank 6083 50253 - 56336
Yes Bank 31806 11867 100359 102429 - - 132164 114295

224
TABLE B10 : MATURITY PROFILE OF SELECTED ITEMS OF LIABILITIES AND ASSETS OF
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009
As on March 31
Items India Bikaner and Jaipur Hyderabad Indore
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Deposits 53740394 74207313 3410843 3922442 4986724 6216482 2469900 2833200
a) 1 - 14 days 6638615 8369040 143792 134651 334782 211526 108800 81600
b) 15 - 28 days 631786 1459293 86557 62956 247792 99247 54800 48700
c) 29 days to 3 months 2298365 3785331 336728 355515 589310 239398 294800 215400
d) Over 3 months to 6 months 2587169 5662741 170439 367828 570975 645281 204500 326300
e) Over 6 months to one year 3652564 8611419 1037837 704213 1163495 628849 346000 398700
f) Over one year to 3 years 11849571 18190961 734220 1305144 961714 2100285 879800 981900
g) Over 3 years to 5 years 9335776 10286477 483320 477088 705842 43776 35100 14700
h) Over 5 years 16746548 17842051 417950 515047 412814 2248120 546100 765900
Borrowings 5172741 5371368 106935 78545 12611 191306 95500 90300
a) 1 - 14 days 1162939 1236218 46474 29401 12611 120729 26000 2400
b) 15 - 28 days 572692 553182 44012 - - 5498 10600 7600
c) 29 days to 3 months 1588711 1049096 4012 5072 - 9 7500 34600
d) Over 3 months to 6 months 414276 852360 12437 35072 - 55011 3900 8000
e) Over 6 months to one year 713049 438483 - 9000 - 10019 5500 6700
f) Over one year to 3 years 586076 917388 - - - 39 36400 23800
g) Over 3 years to 5 years 77199 305288 - - - 1 5500 7100
h) Over 5 years 57799 19353 - - - - 100 100
Loans and Advances 41676820 54250320 2507594 2985071 3508832 4328558 1822400 2161200
a) 1 - 14 days 7830883 8722168 117640 110290 634045 888828 39800 83700
b) 15 - 28 days 1246760 802604 71578 70630 54946 43607 32000 15700
c) 29 days to 3 months 1296663 3329925 145150 110689 137533 120755 135300 159400
h) Over 5 years 7422611 8490005 313574 386193 1021994 554492 212100 280600
225
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
As on March 31
Items India Bikaner and Jaipur Hyderabad Indore
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Investments(at book value) 18950127 27595395 1049836 1099879 1592814 2088680 768100 805100
a) 1 - 14 days 8368 1802474 26095 28876 43742 156120 1900 65600
b) 15 - 28 days 132532 449475 10980 22220 41331 18976 8300 4200
c) 29 days to 3 months 372936 2173342 62737 26311 126476 152932 47500 32300
h) Over 5 years 10053565 12450450 435345 519665 713336 1002651 394300 448400
Foreign Currency Assets 7933134 13195666 103461 59305 89566 41073 64400 62600
a) 1 - 14 days 2982639 2894013 62475 41275 9445 5196 30300 11900
b) 15 - 28 days 973996 733246 5342 2000 11498 153 7900 29300
c) 29 days to 3 months 428554 2985555 19086 1751 30856 115 13400 9000
e) Over 6 months to one year 440649 594345 382 - 1843 9768 1600 600
f) Over one year to 3 years 803406 1773269 685 - 6252 5094 500 -
g) Over 3 years to 5 years 786181 1166361 1174 - 3324 4383 7400 9300
h) Over 5 years 1105680 1137936 7312 11469 3181 - - -
Foreign Currency Liabilities 7855024 11138439 78625 50438 106351 73550 64400 62600
a) 1 - 14 days 1633517 3128761 49397 32604 24361 22241 25600 14300
b) 15 - 28 days 815790 915231 4239 70 18268 5367 11100 18400
c) 29 days to 3 months 1757848 1470428 5995 5223 19662 34563 8100 23000
g) Over 3 years to 5 years 260373 655034 51 851 133 29 - 100
h) Over 5 years 130136 167701 - - - - - -
226
As on March 31
Items Mysore Patiala Saurashtra # Travancore
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Deposits 2746240 3291577 4818605 5950600 1616835 3535389 4204192
a) 1 - 14 days 79244 107549 240302 266400 122010 127649 216739
b) 15 - 28 days 32201 35147 62172 135000 13071 54376 28690
c) 29 days to 3 months 249419 343331 636673 558100 184232 153991 161473
d) Over 3 months to 6 months 134697 289341 992181 1569000 147384 355469 273114
e) Over 6 months to one year 525544 474546 917925 1296100 181939 684023 670438
f) Over one year to 3 years 682955 881035 1277073 2062100 775338 871887 824368
g) Over 3 years to 5 years 466747 535776 422848 47700 158863 649304 946965
h) Over 5 years 575433 624852 269431 16200 33998 638690 1082405
Borrowings 173153 276208 212828 69100 241481 284929 80777
a) 1 - 14 days 30000 49992 18636 - 75017 19909 1053
b) 15 - 28 days - - 50000 - 116944 3210 -
c) 29 days to 3 months 30621 47617 30001 - 39814 12432 386
e) Over 6 months to one year 75024 36005 54794 13100 - 98549 7446
f) Over one year to 3 years 1568 19763 48239 37300 - 27903 64674
g) Over 3 years to 5 years 534 6939 3 5600 - 6165 810
h) Over 5 years 16705 16500 - - - 50 25
Loans and Advances 2102715 2561605 3562053 4301300 1224134 2813662 3271093
a) 1 - 14 days 63888 94198 123536 405800 68997 139171 80234
b) 15 - 28 days 22400 20765 108065 60300 5100 12864 100229
c) 29 days to 3 months 154313 164843 213118 358000 83697 293781 537531
h) Over 5 years 330390 386307 1015720 750900 182468 583336 779753

227
As on March 31
Items Mysore Patiala Saurashtra # Travancore
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Investments(at book value) 840276 1137796 1447333 1702900 598488 1135295 1323170
a) 1 - 14 days 81813 85471 85549 121300 86909 52413 82871
b) 15 - 28 days 5604 16757 19805 33300 25942 2323 13226
c) 29 days to 3 months 58089 110954 112999 159400 71152 16832 56501
h) Over 5 years 257360 373190 569624 659200 30092 469135 627830
Foreign Currency Assets 70423 78237 89400 87300 83045 202164 129787
a) 1 - 14 days 25852 46914 18945 26500 17322 101108 65290
b) 15 - 28 days 2716 943 10012 16100 3434 2410 42
c) 29 days to 3 months 16793 8369 34606 12400 40374 18293 9350
h) Over 5 years - - 8127 5700 1063 14400 2843
Foreign Currency Liabilities 59095 41733 114173 65600 83045 202164 129787
a) 1 - 14 days 7769 13680 15150 2500 11514 63619 16144
b) 15 - 28 days 393 351 38419 1100 7580 2892 2127
c) 29 days to 3 months 30421 10831 25052 10700 30685 12392 11722
h) Over 5 years 8 - - - - - -

228
NATIONALISED BANKS
As on March 31
Items Bank Bank Baroda India
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Deposits 7161638 8497179 4943655 5939003 15203412 19239695 15001198 18970848
a) 1 - 14 days 113116 448557 172736 159943 1544291 1578959 2077571 2032848
b) 15 - 28 days 229680 152516 78492 160717 559644 595298 1126880 1037453
c) 29 days to 3 months 466332 402731 552698 539532 2023059 2216557 1445889 1676936
h) Over 5 years 1571528 886497 73927 90135 2696491 3252751 3926617 4791539
Borrowings 179200 93704 59051 131123 392705 563609 717245 948697
a) 1 - 14 days 147100 13925 120 9 125802 24156 143598 243174
b) 15 - 28 days - 9130 - - 139847 20598 18651 24483
c) 29 days to 3 months 29537 20083 42606 9 11919 69932 62586 42858
d) Over 3 months to 6 months - 12154 8769 7626 11036 247645 56956 101117
e) Over 6 months to one year - 31393 1852 13806 6240 21003 109077 28855
h) Over 5 years 1163 4019 170 63 494 212 65603 41687
a) 1 - 14 days 151003 408815 177323 122061 1265942 703187 1740489 2075415
b) 15 - 28 days 108050 220650 68516 71329 413800 340321 465354 467086
c) 29 days to 3 months 499492 460216 556027 520144 1367785 2289377 1824715 2290719
h) Over 5 years 1129690 1472536 340356 651159 1924389 2262666 2533433 3435663
229
NATIONALISED BANKS
As on March 31
Items Bank Bank Baroda India
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
a) 1 - 14 days 54370 609429 24511 77394 63915 81162 8802 46465
b) 15 - 28 days 24072 15774 21433 30231 95795 56425 33034 68103
c) 29 days to 3 months 26952 65528 48388 78356 112831 180239 230058 204589
h) Over 5 years 1268436 1330737 900478 952596 2169969 2685663 2510797 3384424
a) 1 - 14 days 18376 21221 25181 17478 878771 902290 137825 299046
b) 15 - 28 days 1553 13665 4561 865 522846 352153 21698 69649
c) 29 days to 3 months 2111 36236 37438 8525 782210 1248853 162995 73033
e) Over 6 months to one year 734 20365 - - 401388 686076 24152 11663
f) Over one year to 3 years - - - - 327380 698020 43780 19928
g) Over 3 years to 5 years 3065 2566 - - 624236 786723 2154 620
h) Over 5 years 549 5053 4 - 370720 392759 227360 342380
a) 1 - 14 days 15033 27075 6264 7896 1135106 1213117 68731 121480
b) 15 - 28 days 1396 10035 420 410 422748 427534 23095 33490
c) 29 days to 3 months 5246 27006 45366 1687 944052 1090451 54282 372509
h) Over 5 years 537 - - - 398102 415120 100122 87134
230
NATIONALISED BANKS
As on March 31
Items Maharashtra Bank India Bank
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Deposits 4175833 5225492 15407700 18689249 10966397 13053641 5542442 7398391
a) 1 - 14 days 200049 196593 994000 1607029 374962 804231 403488 523605
b) 15 - 28 days 88297 93856 495600 243162 188150 417589 173381 141723
c) 29 days to 3 months 406320 526943 1058900 854364 671735 850315 731286 409292
h) Over 5 years 134899 97362 3527600 3519448 1545694 1318249 493885 1057185
Borrowings 19925 19002 151722 565661 44910 80425 213760 207240
a) 1 - 14 days 12270 8001 458 253000 40694 7236 3989 72854
b) 15 - 28 days - - - 100000 - - 7978 4836
c) 29 days to 3 months 33 24 4280 84 - 69000 65040 34633
h) Over 5 years 37 8 952 152 184 96 77 -
a) 1 - 14 days 146834 239117 945000 1461822 295784 489988 494010 590991
b) 15 - 28 days 112125 103615 289300 316464 210731 19508 134179 177897
c) 29 days to 3 months 297217 168397 1121200 1728199 437039 55373 631698 878564
h) Over 5 years 298101 324838 2297900 3093365 760368 2433852 337658 331208
231
NATIONALISED BANKS
As on March 31
Items Maharashtra Bank India Bank
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
a) 1 - 14 days 36145 309182 20475 214541 31013 986305 137974 130839
b) 15 - 28 days 29790 18037 129720 115036 81308 292157 56409 31367
c) 29 days to 3 months 26425 63607 412334 231848 58946 630899 237813 174112
h) Over 5 years 728486 1004552 2314628 3051047 1770144 898235 176174 599522
a) 1 - 14 days 5469 7211 279400 700794 10895 54948 76032 429486
b) 15 - 28 days 3462 8987 53200 46482 2808 2151 10593 12462
c) 29 days to 3 months 24378 21977 307000 126563 19129 9687 73583 138536
f) Over one year to 3 years 122 78 22500 204387 32 1269 11828 -
g) Over 3 years to 5 years - - 25600 52541 20 - 2796 5991
h) Over 5 years 562 710 52500 106158 - - 10670 -
a) 1 - 14 days 9255 9129 210000 546310 19659 66620 19519 13713
b) 15 - 28 days 184 1209 77400 50223 1501 1039 11108 2992
c) 29 days to 3 months 7597 11424 174700 154261 4637 4697 33516 30205
h) Over 5 years - - 52500 231677 - 530 - -
232
NATIONALISED BANKS
As on March 31
Dena IDBI Indian Indian Overseas
Items Bank Bank Ltd. Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
Deposits 3394318 4305060 7284338 11216748 6104594 7258184 8084191 10011589
a) 1 - 14 days 126356 182166 445904 925582 376643 368447 541720 767069
b) 15 - 28 days 66387 75046 178681 233129 190780 190425 170852 316543
c) 29 days to 3 months 206414 349335 814920 1208527 611870 557559 917637 840039
h) Over 5 years 65364 57527 74283 232813 740302 871562 232081 363670
Borrowings 39462 5213 3868169 4023988 128317 83079 420892 654828
a) 1 - 14 days 2266 5208 49154 125746 3774 12887 420892 208215
b) 15 - 28 days 10723 - 74590 5588 3691 - - -
c) 29 days to 3 months 26467 5 162979 141833 10901 34 - 50003
d) Over 3 months to 6 months - - 387280 259803 23034 3590 - 30000
e) Over 6 months to one year - - 596117 350631 20900 4064 - 25509
f) Over one year to 3 years 6 - 959207 1050328 39612 53228 - 341101
g) Over 3 years to 5 years - - 694110 591522 19344 233 - -
h) Over 5 years - - 944732 1498537 7061 9043 - -
a) 1 - 14 days 237416 153982 169989 663200 316293 279442 580388 809377
b) 15 - 28 days 121366 100773 106424 119400 275054 184990 117608 99050
c) 29 days to 3 months 156728 189319 596897 596100 560749 573394 243380 807888
h) Over 5 years 292887 508384 2360562 2511500 525941 820135 47892 1085894
233
NATIONALISED BANKS
As on March 31
Items Bank Bank Ltd. Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
a) 1 - 14 days 15000 15499 274700 638900 96777 155018 242226 66296
b) 15 - 28 days 5606 26530 17925 14400 86883 94979 55210 22252
c) 29 days to 3 months 5401 30680 16771 165800 180308 170799 226477 97238
h) Over 5 years 667096 748416 2055070 3170100 637715 415528 506050 1799481
a) 1 - 14 days 24830 71245 75205 19777 49115 33061 63548 45434
b) 15 - 28 days 9236 2736 14422 8408 92020 58252 10732 11282
c) 29 days to 3 months 36703 23532 167162 104154 43121 111027 42579 123376
g) Over 3 years to 5 years 19 - 28383 32833 44596 49039 - 12680
h) Over 5 years - 11 64043 68721 59066 44304 - -
a) 1 - 14 days 6166 10322 62201 9911 62192 69293 30315 66059
b) 15 - 28 days 11404 607 293 7794 32428 31286 4129 3143
c) 29 days to 3 months 28138 2534 111361 97184 95230 94745 18826 20757
h) Over 5 years 174 728 1423 1087 - 4 - -
234
NATIONALISED BANKS
As on March 31
Oriental Bank of Punjab and Sind Punjab National Syndicate
Items Commerce Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
Deposits 7785670 9836885 2483141 3467565 16645722 20976050 9517100 11588515
a) 1 - 14 days 691395 562588 111939 299806 726421 991923 770200 943756
b) 15 - 28 days 438445 349601 83777 109668 429472 409811 240800 242513
c) 29 days to 3 months 1206567 802451 194230 509520 972979 1027585 771100 979059
h) Over 5 years 319988 641158 477572 590122 3644251 4852111 1098100 1284727
Borrowings 183984 66878 297672 271148 544656 437436 130600 219047
a) 1 - 14 days 62018 60 213567 247498 282643 51297 8300 172
b) 15 - 28 days 2006 - 26018 - 65606 5072 100 -
c) 29 days to 3 months 64057 - 50000 - 65189 72959 12200 -
d) Over 3 months to 6 months - 3309 3221 1220 59703 139293 15200 14172
f) Over one year to 3 years - 48232 3651 1215 44213 97688 33000 100188
g) Over 3 years to 5 years 159 1371 - - 1966 8662 6700 12458
h) Over 5 years 35682 11104 - 20000 1081 57049 6200 3592
a) 1 - 14 days 343656 855047 228984 128598 833332 1121753 950800 986572
b) 15 - 28 days 277685 349068 26068 99271 319821 535690 125100 338718
c) 29 days to 3 months 473430 632389 387750 471684 676140 919665 454300 510775
h) Over 5 years 1038174 1268842 326984 348989 1551214 1666458 1005200 1053070
235
NATIONALISED BANKS
As on March 31
Oriental Bank of Punjab and Sind Punjab National Syndicate
Items Commerce Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
a) 1 - 14 days 201894 74211 18053 35579 36305 109774 120700 45715
b) 15 - 28 days 401469 47847 20727 9445 78381 88869 10500 17358
c) 29 days to 3 months 270755 50663 24090 66679 122704 203716 65300 52891
h) Over 5 years 229886 1643384 553728 814999 3066273 3664115 1949400 2165008
a) 1 - 14 days 81800 127387 14408 20103 42853 96218 324900 416483
b) 15 - 28 days 29700 772 4939 6081 21696 76482 49900 38544
c) 29 days to 3 months 220300 21020 13946 28988 81473 142733 151300 174976
e) Over 6 months to one year 45800 891 - 370 23013 106497 23900 30440
f) Over one year to 3 years - - - - 35017 88492 33800 72991
g) Over 3 years to 5 years - 220 - - 36051 72719 54400 73379
h) Over 5 years - 20790 - - 33696 24570 34800 39213
a) 1 - 14 days 62000 131617 13236 7692 31411 78151 148900 370262
b) 15 - 28 days 12400 2332 7183 730 3948 57216 107200 72702
c) 29 days to 3 months 309000 8466 2631 3235 20486 299764 149500 159426
h) Over 5 years - 70 - - 11545 28574 - -
236
NATIONALISED BANKS
As on March 31
Items Bank India India Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
Deposits 7990895 10022157 10385864 13870282 4697072 5453590 4795201 5453542
a) 1 - 14 days 457338 558122 612317 702823 205984 218827 520591 293693
b) 15 - 28 days 289000 300252 102580 151845 63868 109617 139067 171230
c) 29 days to 3 months 855942 831003 818334 1002907 241443 376036 442928 578130
h) Over 5 years 1960292 2284073 3825587 4790796 757827 2137602 30053 29779
Borrowings 171595 206242 476050 388489 116209 45677 152990 61924
a) 1 - 14 days 6218 14907 156838 82648 82349 4145 80623 162
b) 15 - 28 days - - 2808 5072 - - - -
c) 29 days to 3 months 5216 - 38682 204737 10 6 20005 45004
h) Over 5 years 3991 3481 1312 499 8952 7524 390 240
a) 1 - 14 days 408959 362173 393166 669283 545880 712506 195914 165219
b) 15 - 28 days 263542 111546 201778 344343 31339 124110 97560 96443
c) 29 days to 3 months 507732 549142 796011 892562 204219 626538 217782 285015
h) Over 5 years 2114212 2840224 713288 1085316 319665 260438 399751 412114
237
NATIONALISED BANKS
As on March 31
Items Bank India India Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
a) 1 - 14 days 126533 177658 35429 32205 36802 42359 73783 75047
b) 15 - 28 days 73357 68150 32896 27666 26326 30554 7701 33295
c) 29 days to 3 months 363867 221053 105837 41724 159068 119514 37553 49693
h) Over 5 years 469928 597388 1526603 2883810 1088840 1222340 986390 1089491
a) 1 - 14 days 150978 133969 91553 460138 43070 28782 15313 19946
b) 15 - 28 days 57365 49763 17725 15452 9410 4618 3939 9279
c) 29 days to 3 months 253335 271573 64511 159605 54268 38392 23662 3684
f) Over one year to 3 years 35534 86242 55822 16799 - 228 - -
g) Over 3 years to 5 years 90917 111384 2534 3704 - - - -
h) Over 5 years 54719 99918 3490 2273 - - - -
a) 1 - 14 days 153243 152949 119937 137573 44924 32529 37674 21379
b) 15 - 28 days 60009 59818 5678 14879 4845 2360 7184 648
c) 29 days to 3 months 150229 205714 52539 20062 57969 46235 9396 1532
h) Over 5 years 104850 146347 - - 1 1 - -
238
FOREIGN BANKS
As on March 31
AB Bank ABN Amro Abu Dhabi American Express
Items Bank Commercial Bank Banking Corp. #
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Deposits 1323 1289 1891160 1596026 41386 50862 - 32985
a) 1 - 14 days 901 100 346609 420422 3471 4454 - -
b) 15 - 28 days 39 122 211237 103534 521 448 - 3200
c) 29 days to 3 months 108 133 182661 181878 2521 4145 - 21785
d) Over 3 months to 6 months - 183 196900 148523 4547 5158 - -
e) Over 6 months to one year - 751 194822 545538 13543 15102 - 8000
f) Over one year to 3 years 275 - 757307 193481 16776 21550 - -
h) Over 5 years - - 194 265 6 3 - -
Borrowings - - 1140786 944196 3000 - - 9500
a) 1 - 14 days - - 750383 804146 3000 - - -
b) 15 - 28 days - - 31862 103050 - - - -
c) 29 days to 3 months - - 237453 37000 - - - 5000
d) Over 3 months to 6 months - - 121088 - - - - -
e) Over 6 months to one year - - - - - - - 4500
f) Over one year to 3 years - - - - - - - -
g) Over 3 years to 5 years - - - - - - - -
h) Over 5 years - - - - - - - -
Loans and Advances 2603 2861 2038142 1665974 16209 13731 - 69764
a) 1 - 14 days 66 442 300025 255818 1171 1043 - 23090
b) 15 - 28 days 83 442 41132 84334 1158 469 - 23090
c) 29 days to 3 months 239 304 128227 278871 2644 2992 - 12266
d) Over 3 months to 6 months 591 500 103679 259647 6653 4286 - 1690
e) Over 6 months to one year 916 902 117131 102745 345 369 - 4392
f) Over one year to 3 years 86 6 1164681 551089 3743 3362 - 1756
g) Over 3 years to 5 years 622 265 72393 35745 469 202 - 3377
h) Over 5 years - - 110874 97725 26 1008 - 103

239
FOREIGN BANKS
As on March 31
AB Bank ABN Amro Abu Dhabi American Express
Items Bank Commercial Bank Banking Corp. #
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Investments(at book value) 1130 1090 1177742 1081069 16167 19470 - 21339
a) 1 - 14 days - - - 45220 1404 1214 - 7311
b) 15 - 28 days 145 - - 54419 264 131 - 1720
c) 29 days to 3 months - - 748291 403901 1144 1439 - 6939
d) Over 3 months to 6 months - - 23927 - 1244 1440 - 1947
e) Over 6 months to one year 985 1052 1500 47335 6236 4528 - 1116
f) Over one year to 3 years - 38 221355 233428 5858 8967 - 1271
g) Over 3 years to 5 years - - 113856 165281 - 1 - -
h) Over 5 years - - 68813 131485 17 1750 - 1035
Foreign Currency Assets 2050 1919 197497 798268 449 1687 - -
a) 1 - 14 days 1378 1256 60218 106244 449 1374 - -
b) 15 - 28 days 672 663 17057 40551 - - - -
c) 29 days to 3 months - - 58987 159004 - - - -
d) Over 3 months to 6 months - - 42971 135924 - - - -
e) Over 6 months to one year - - - 98 - - - -
f) Over one year to 3 years - - 18264 356447 - - - -
h) Over 5 years - - - - - 313 - -
Foreign Currency Liabilities 1926 1817 963688 652854 10285 10781 - 4486
a) 1 - 14 days - 943 265447 446584 1842 1677 - 1397
b) 15 - 28 days - 874 8668 104145 142 150 - 3089
c) 29 days to 3 months - - 241443 1823 1413 1397 - -
d) Over 3 months to 6 months - - 125667 3621 2760 2911 - -
e) Over 6 months to one year - - 13682 16931 3153 4178 - -
f) Over one year to 3 years 1926 - 117568 79706 975 468 - -
g) Over 3 years to 5 years - - 84158 44 - - - -
h) Over 5 years - - 107055 - - - - -

240
FOREIGN BANKS
As on March 31
Antwerp Diamond Bank Internasional Bank of Bank of Bahrain &
Items Bank Indonesia America Kuwait
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Deposits 7968 8076 - - 419000 416700 39539 47191
a) 1 - 14 days 139 1996 - - 99500 115500 2214 1272
b) 15 - 28 days 2260 114 - - 28400 28000 883 1
c) 29 days to 3 months 1932 427 - - 48800 14700 6660 3918
d) Over 3 months to 6 months 3365 788 - - 10600 1700 5883 6509
f) Over one year to 3 years - 3919 - - 228700 254100 10448 19363
g) Over 3 years to 5 years - - - - - 100 19 174
h) Over 5 years - - - - 300 300 - -
Borrowings 48730 65276 - - 98900 216100 2006 300
a) 1 - 14 days 2953 7899 - - 23200 156200 - 300
b) 15 - 28 days 3210 4565 - - 11600 7900 - -
c) 29 days to 3 months 30892 32423 - - 10700 17200 2006 -
d) Over 3 months to 6 months 11675 19375 - - 53400 34800 - -
e) Over 6 months to one year - 1014 - - - - - -
h) Over 5 years - - - - - - - -
Loans and Advances 47630 70026 - - 345200 335600 28032 28712
a) 1 - 14 days 6031 24638 - - 75900 75700 1629 1341
b) 15 - 28 days 3939 6729 - - 61800 84000 4600 3498
c) 29 days to 3 months 26031 21136 - - 72800 99200 10389 9886
e) Over 6 months to one year - 13 - - 18700 13700 2495 2736
f) Over one year to 3 years 50 18 - - 30200 9900 3985 4408
g) Over 3 years to 5 years 15 2328 - - - - 1274 932
h) Over 5 years 25 3 - - - - 16 690
241
FOREIGN BANKS
As on March 31
Antwerp Diamond Bank Internasional Bank of Bank of Bahrain &
Items Bank Indonesia America Kuwait
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Investments(at book value) 17077 21477 483 - 287700 367000 12325 14900
a) 1 - 14 days - 3221 - - 185600 219600 207 -
b) 15 - 28 days 1994 1074 - - - 8500 893 -
c) 29 days to 3 months 8849 8376 400 - 5400 3900 1813 4089
d) Over 3 months to 6 months - 8591 - - 5300 100 5597 2120
f) Over one year to 3 years - - 83 - 79100 132100 2058 -
g) Over 3 years to 5 years - - - - - 2400 914 4527
h) Over 5 years - - - - 7200 100 141 3164
Foreign Currency Assets 47216 66624 3672 - 174500 394900 21148 12798
a) 1 - 14 days 5707 22463 75 - 91300 113000 2582 6582
b) 15 - 28 days 3939 6727 3597 - 9800 8100 572 36
c) 29 days to 3 months 26031 21129 - - 16900 239700 11416 201
e) Over 6 months to one year - - - - - - 1639 975
f) Over one year to 3 years - - - - - - 313 288
g) Over 3 years to 5 years - 1151 - - - - 79 744
h) Over 5 years - - - - - - 109 860
Foreign Currency Liabilities 52329 71293 - - 191300 407900 22153 15828
a) 1 - 14 days 3013 9546 - - 14600 27400 1778 1632
b) 15 - 28 days 3231 4592 - - 11700 8000 651 -
c) 29 days to 3 months 34100 32598 - - 20000 239900 10287 1311
e) Over 6 months to one year 268 1366 - - - - 5102 9240
f) Over one year to 3 years - 3784 - - 74700 97800 1298 887
g) Over 3 years to 5 years - - - - 9900 - - -
h) Over 5 years - - - - - - - -
242
FOREIGN BANKS
As on March 31
Bank of Bank of Bank of Tokyo- Barclays
Items Ceylon Nova Scotia Mitsubishi UFJ Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
Deposits 7414 8639 375471 297573 132684 207603 690183 1248552
a) 1 - 14 days 503 1213 142327 88843 30877 62020 83460 157246
b) 15 - 28 days 72 96 142394 92873 5158 12854 61213 49247
c) 29 days to 3 months 781 1154 70684 82511 35515 40766 277909 181824
g) Over 3 years to 5 years 91 427 69 62 40 - 12238 421246
h) Over 5 years - - 69 - - - 38 622
Borrowings - - 244427 304460 94686 104777 53500 233083
a) 1 - 14 days - - 135334 90158 10000 6086 53500 233083
b) 15 - 28 days - - 1404 14903 23518 47608 - -
c) 29 days to 3 months - - 27231 87057 47928 35903 - -
e) Over 6 months to one year - - 3352 13187 - - - -
f) Over one year to 3 years - - 13 - - - - -
g) Over 3 years to 5 years - - - 25360 - - - -
h) Over 5 years - - 20060 - - - - -
a) 1 - 14 days 242 817 64963 48597 43031 100962 73550 142414
b) 15 - 28 days 77 201 41294 72158 14542 17033 73419 48065
c) 29 days to 3 months 728 362 161542 130848 52995 48186 112814 154924
h) Over 5 years 1653 37 2909 2658 645 6707 12755 29922
243
FOREIGN BANKS
As on March 31
Items Ceylon Nova Scotia Mitsubishi UFJ Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
a) 1 - 14 days - 1693 70907 48863 9133 - 244089 546106
b) 15 - 28 days - - 52293 35565 10993 23665 23985 138835
c) 29 days to 3 months - 5000 28157 47415 22539 45816 822 3681
d) Over 3 months to 6 months - - 1598 21057 9700 5950 1790 6830
f) Over one year to 3 years 1434 1196 10748 9300 - - 8522 4218
g) Over 3 years to 5 years 126 126 28 6387 - - 1090 69730
h) Over 5 years - 12 -511 -741 - - 2805 3828
a) 1 - 14 days 1083 1950 115745 55286 5630 50810 45879 33238
b) 15 - 28 days - - -19072 41457 2105 22393 3128 9009
c) 29 days to 3 months - - 52980 86586 62906 30208 16743 35054
e) Over 6 months to one year - - -10440 14264 - - 2959 2727
g) Over 3 years to 5 years - - - - - - 6522 10205
h) Over 5 years 92 101 1605 2060 - - 3927 -
Foreign Currency Liabilities 802 - 243032 308422 95957 120513 165199 397920
a) 1 - 14 days - - 95410 123469 5045 19142 8285 114883
b) 15 - 28 days - - 24748 8589 6209 10778 189 12436
c) 29 days to 3 months 802 - 46518 56383 56360 58597 49105 71688
e) Over 6 months to one year - - -358 15050 956 1744 74298 101620
f) Over one year to 3 years - - 2759 3883 12094 14896 2478 4986
g) Over 3 years to 5 years - - - 25360 - - 4 247
h) Over 5 years - - 20129 - - - - -
244
FOREIGN BANKS
As on March 31
Items Commercial Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
Deposits 323598 335314 113486 81833 9165 6077 4612500 5167750
a) 1 - 14 days 86050 99210 74126 47764 3174 2257 781270 856450
b) 15 - 28 days 22197 35711 10801 2417 928 573 287320 322060
c) 29 days to 3 months 61226 58490 3559 9864 1841 714 594070 529900
h) Over 5 years - - - - - - 301580 736580
Borrowings 188390 284408 159504 428786 6306 1100 1122760 1856630
a) 1 - 14 days 188390 284408 73842 333790 4300 1100 354480 731860
b) 15 - 28 days - - 45000 500 2006 - 9600 -
c) 29 days to 3 months - - 30632 76744 - - 47390 9140
d) Over 3 months to 6 months - - 10030 - - - 157100 26690
e) Over 6 months to one year - - - 17752 - - 174140 297420
h) Over 5 years - - - - - - 190 370
a) 1 - 14 days 70330 135598 26238 28081 950 3308 401490 381540
b) 15 - 28 days 55183 47059 8892 12022 1115 2851 284840 194450
c) 29 days to 3 months 102770 68683 44610 53850 6661 5428 348510 409100
h) Over 5 years - - 660 5618 144 162 387140 452910
245
FOREIGN BANKS
As on March 31
Items Commercial Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
a) 1 - 14 days 173801 259286 112577 347842 - - 338180 692000
b) 15 - 28 days 5294 21812 7809 601 1130 198 72040 336310
c) 29 days to 3 months 23460 23041 5605 18993 1048 638 130540 274950
e) Over 6 months to one year 12269 5343 314 4026 - - 79780 61660
f) Over one year to 3 years 36895 21261 4098 5025 492 - 634270 576890
h) Over 5 years 9871 16777 12351 22319 - - 480230 422960
a) 1 - 14 days 7397 102499 89003 57898 125 1478 1785350 1048830
b) 15 - 28 days 1512 1679 61 163 126 60 111490 64790
c) 29 days to 3 months 13955 8574 3120 642 378 146 165010 177440
e) Over 6 months to one year - - - - - - 50470 13620
f) Over one year to 3 years 16605 - 1545 1953 - - 57500 13950
h) Over 5 years - - - - - - 4600 3020380
a) 1 - 14 days 45201 8403 79737 39812 4 13 1493280 76170
b) 15 - 28 days 152 - 46 19 2013 - 20960 840
c) 29 days to 3 months 885 296 15139 15751 - - 110320 45420
d) Over 3 months to 6 months 1336 720 10945 595 - - 74400 26710
h) Over 5 years 47173 53761 163773 166686 - - - 3359710
246
FOREIGN BANKS
As on March 31
DBS Deutsche Hong Kong & Shanghai J P Morgan
Items Bank Bank Banking Corporation Chase Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
Deposits 509567 602287 1375495 1414738 4262029 4997027 331318 358660
a) 1 - 14 days 119692 308150 785933 945437 917114 895224 49288 34235
b) 15 - 28 days 158158 84723 81334 41963 259495 276243 29901 8250
c) 29 days to 3 months 113615 63522 339026 240490 729366 687511 24225 10154
h) Over 5 years - - 12 26 - - - -
Borrowings 221234 249707 488178 360094 824581 826844 250622 344655
a) 1 - 14 days 221234 249707 288408 148566 109053 203526 250622 344655
b) 15 - 28 days - - 17000 - 39520 135642 - -
c) 29 days to 3 months - - 49789 - 246423 192866 - -
d) Over 3 months to 6 months - - 18715 - 384663 144090 - -
e) Over 6 months to one year - - 4688 - 24922 130720 - -
f) Over one year to 3 years - - 109578 149528 - 20000 - -
g) Over 3 years to 5 years - - - 62000 20000 - - -
h) Over 5 years - - - - - - - -
a) 1 - 14 days 50999 68080 339574 355688 195807 221927 600 15281
b) 15 - 28 days 37820 29177 71685 38013 166406 164281 200 1673
c) 29 days to 3 months 54897 71857 154369 131642 213122 277852 51180 4191
g) Over 3 years to 5 years 2091 2375 127072 66265 344592 959633 - -
h) Over 5 years 5797 15 53710 77024 436792 404432 6008 600
247
FOREIGN BANKS
As on March 31
DBS Deutsche Hong Kong & Shanghai J P Morgan
Items Bank Bank Banking Corporation Chase Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
a) 1 - 14 days 228204 77762 789521 437802 100417 128429 509884 573178
b) 15 - 28 days 22095 2994 25623 12003 16846 1989 - 2425
c) 29 days to 3 months 79651 56711 114958 117334 223537 352012 6540 49354
g) Over 3 years to 5 years 2708 18079 91 47859 231850 416659 - -
h) Over 5 years 13572 2326 554 6451 132029 124529 - -
a) 1 - 14 days 15000 124210 128277 546192 280681 651008 215 4419
b) 15 - 28 days 27141 4837 24670 1787 4045 66881 314 430
c) 29 days to 3 months 22521 24113 1051 24635 81404 224416 34329 1556
e) Over 6 months to one year 117502 - 28714 2007 120499 57672 2082 804
f) Over one year to 3 years - - 428 - 274614 44466 1955 2179
g) Over 3 years to 5 years - - - - 11505 1522 1038 1706
h) Over 5 years 4739 5991 4930 - - - 26 -
a) 1 - 14 days 91412 138314 74298 519856 124185 172352 36616 73
b) 15 - 28 days 26220 1334 679 610 57978 132598 77 -
c) 29 days to 3 months 63845 11424 104649 816 229462 183588 665 670
g) Over 3 years to 5 years - 160217 - - - 109976 543 563
h) Over 5 years - - - - - - - -
248
FOREIGN BANKS
As on March 31
JSC VTB Krung Thai Mashreq Bank Mizuho Corporate
Items Bank # Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46) (47) (48)
Deposits 207 8065 10334 3134 2089 44716 114750
a) 1 - 14 days 31 950 872 508 352 8899 37925
b) 15 - 28 days - 1236 211 23 - 10594 15501
c) 29 days to 3 months - 1761 3776 39 36 7002 28591
d) Over 3 months to 6 months - 695 1201 96 85 67 1629
e) Over 6 months to one year - 2168 2697 66 17 130 2071
g) Over 3 years to 5 years - - - - - 3 -
h) Over 5 years - - - - - - -
Borrowings - - - - - 35225 18041
a) 1 - 14 days - - - - - 10801 -
b) 15 - 28 days - - - - - 3601 3666
c) 29 days to 3 months - - - - - 14805 9919
d) Over 3 months to 6 months - - - - - 6018 4456
e) Over 6 months to one year - - - - - - -
f) Over one year to 3 years - - - - - - -
g) Over 3 years to 5 years - - - - - - -
h) Over 5 years - - - - - - -
a) 1 - 14 days - 439 391 1067 38 35978 32610
b) 15 - 28 days - 37 70 692 252 3534 13711
c) 29 days to 3 months - 415 466 1736 682 10920 24894
d) Over 3 months to 6 months - - - 579 - 11504 8036
e) Over 6 months to one year - - - 1 - 5758 2107
f) Over one year to 3 years 483 - - 2 1 7938 10361
g) Over 3 years to 5 years 482 - - 2 1 7038 17395
h) Over 5 years - - - 4 2 3000 2800

249
FOREIGN BANKS
As on March 31
JSC VTB Krung Thai Mashreq Bank Mizuho Corporate
Items Bank # Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46) (47) (48)
Investments(at book value) - 2248 2777 2613 5280 24699 40365
a) 1 - 14 days - 87 43 150 106 3484 2823
b) 15 - 28 days - 574 791 7 1 1493 8875
c) 29 days to 3 months - 486 198 31 11 9931 20662
d) Over 3 months to 6 months - - 98 27 22 3099 -
e) Over 6 months to one year - - - 17 5 1672 3879
f) Over one year to 3 years - 98 104 2375 5124 5020 4126
g) Over 3 years to 5 years - - - 6 11 - -
h) Over 5 years - 1003 1543 - - - -
a) 1 - 14 days 22 422 1197 2016 1582 2104 33388
b) 15 - 28 days - 321 13 691 252 402 877
c) 29 days to 3 months - 321 12 1736 682 1915 10274
e) Over 6 months to one year - - - - - - -
f) Over one year to 3 years 123 - - 375 127 - -
h) Over 5 years - - - - - - -
a) 1 - 14 days 22 351 440 402 223 472 3939
b) 15 - 28 days - 288 70 - - 402 3666
c) 29 days to 3 months - - - - - 10015 9919
e) Over 6 months to one year - - - 48 - 5 7
f) Over one year to 3 years 123 421 649 2043 1255 - -
h) Over 5 years - - - - - - -

250
FOREIGN BANKS
As on March 31
Oman International Shinhan Societe Generale Sonali Bank
Items Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(49) (50) (51) (52) (53) (54) (55) (56)
Deposits 12842 13634 33588 76600 136283 82462 2345 4196
a) 1 - 14 days 499 566 8813 16298 17459 9835 277 555
b) 15 - 28 days 167 38 2695 3467 2249 9593 10 1
c) 29 days to 3 months 1220 1279 6864 18371 18386 10161 13 115
g) Over 3 years to 5 years - - 57 48 - - 11 2
h) Over 5 years - - 423 453 - - 38 6
Borrowings - - 10261 - 135822 91907 - -
a) 1 - 14 days - - 4150 - 135822 90907 - -
b) 15 - 28 days - - 4707 - - - - -
c) 29 days to 3 months - - 1404 - - 1000 - -
d) Over 3 months to 6 months - - - - - - - -
e) Over 6 months to one year - - - - - - - -
h) Over 5 years - - - - - - - -
a) 1 - 14 days - 1 4649 4290 3382 4166 550 449
b) 15 - 28 days 1 - 1950 3900 3084 4186 - 258
c) 29 days to 3 months 8 8 4307 4453 7364 14109 30 115
d) Over 3 months to 6 months - 4 2805 4988 2901 1132 - 39
f) Over one year to 3 years 8 2 2669 4842 12412 8772 - -
g) Over 3 years to 5 years 5 - 2032 2044 1871 293 57 59
h) Over 5 years 99 153 313 32 1361 1167 62 66
251
FOREIGN BANKS
As on March 31
Oman International Shinhan Societe Generale Sonali Bank
Items Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(49) (50) (51) (52) (53) (54) (55) (56)
a) 1 - 14 days - - 2000 6590 - 88677 - -
b) 15 - 28 days - - 2300 5492 - 11703 - -
c) 29 days to 3 months - - 15316 5216 - 37674 - -
d) Over 3 months to 6 months 2 - 3943 22800 19199 12770 25 -
e) Over 6 months to one year - - 3933 4979 81750 2585 - -
g) Over 3 years to 5 years 7202 6717 - 1027 8389 - 10 114
h) Over 5 years 1065 1054 2491 1921 11207 - 277 361
a) 1 - 14 days 187 609 1054 1998 111 1836 1013 133
b) 15 - 28 days - - 120 2510 620 609 - -
c) 29 days to 3 months - - 2726 1092 4851 8236 - -
e) Over 6 months to one year - - - 1522 - - - -
h) Over 5 years - - - - - - - -
a) 1 - 14 days 799 686 32 427 12751 14595 154 408
b) 15 - 28 days 154 2645 2207 - 281 - - -
c) 29 days to 3 months 3543 804 2804 - - 28 - -
d) Over 3 months to 6 months 1276 1339 1484 - 8024 20288 - -
e) Over 6 months to one year 2366 2585 - - 48203 21452 - -
h) Over 5 years - - - - - - - -
252
FOREIGN BANKS
As on March 31
Standard Chartered State Bank of UBS AG
Items Bank Mauritius
2008 2009 2008 2009 2008 2009
(57) (58) (59) (60) (61) (62)
Deposits 3700350 4180176 24811 37225 -
a) 1 - 14 days 930951 1026809 957 3536 -
b) 15 - 28 days 416550 387433 299 590 -
c) 29 days to 3 months 684376 665604 785 342 -
d) Over 3 months to 6 months 255537 207577 602 10791 -
e) Over 6 months to one year 180952 465462 12964 14552 -
f) Over one year to 3 years 1218151 1420672 9181 7411 -
g) Over 3 years to 5 years 12327 5118 22 3 -
h) Over 5 years 1506 1501 1 - -
Borrowings 695076 662260 3400 7500 -
a) 1 - 14 days 224996 160175 900 - -
b) 15 - 28 days 121101 104125 2500 7500 -
c) 29 days to 3 months 289913 309715 - - -
d) Over 3 months to 6 months 55054 73245 - - -
e) Over 6 months to one year 4012 - - - -
f) Over one year to 3 years - 15000 - - -
g) Over 3 years to 5 years - - - - -
h) Over 5 years - - - - -
Loans and Advances 3335151 3751601 21414 30259 -
a) 1 - 14 days 375910 620884 1050 3081 -
b) 15 - 28 days 242862 255365 834 271 -
c) 29 days to 3 months 645567 551416 2161 3161 -
h) Over 5 years 488010 564433 22 10 -
253
FOREIGN BANKS
As on March 31
Standard Chartered State Bank of UBS AG
Items Bank Mauritius
2008 2009 2008 2009 2008 2009
(57) (58) (59) (60) (61) (62)
Investments(at book value) 1272774 1543011 9001 13281 7484
a) 1 - 14 days 373078 558471 486 2217 7246
b) 15 - 28 days 111915 77846 733 1666 -
c) 29 days to 3 months 286943 228879 1210 1060 82
d) Over 3 months to 6 months 71221 70698 669 3755 100
e) Over 6 months to one year 51154 170965 3421 3038 55
h) Over 5 years 25686 67768 - 7 1
Foreign Currency Assets 1130646 2049024 1576 1308 2
a) 1 - 14 days 213394 261777 1516 1308 2
b) 15 - 28 days 70888 67595 60 - -
c) 29 days to 3 months 249002 211866 - - -
d) Over 3 months to 6 months 128628 272430 - - -
e) Over 6 months to one year 90423 112561 - - -
f) Over one year to 3 years 228606 587831 - - -
g) Over 3 years to 5 years 113938 367357 - - -
h) Over 5 years 35767 167607 - - -
Foreign Currency Liabilities 1473501 2203179 2236 2706 -
a) 1 - 14 days 338062 346540 127 1037 -
b) 15 - 28 days 119053 110362 162 - -
c) 29 days to 3 months 293988 341834 87 11 -
g) Over 3 years to 5 years 90162 378345 - - -
h) Over 5 years 126261 384487 - - -
254
As on March 31
Axis Bank of Catholic Syrian Centurion Bank
Items Bank Rajasthan Bank of Punjab #
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Deposits 8762622 11737411 1384935 1518715 531762 633283 2180927
a) 1 - 14 days 576251 969316 98694 96017 19131 19753 192315
b) 15 - 28 days 330166 448611 35598 40024 6966 5320 114434
c) 29 days to 3 months 924009 1616724 101765 109311 23178 14103 516403
h) Over 5 years 2371776 2994328 329210 338388 175661 257363 2852
Borrowings 562404 1018548 31946 29536 631 13 98504
a) 1 - 14 days 10030 45216 6619 2 11 - 8028
b) 15 - 28 days 16048 49274 - - - - -
c) 29 days to 3 months 45075 195485 2 1 - 1 -
f) Over one year to 3 years 318979 289141 39 3610 - 9 3581
g) Over 3 years to 5 years 182 2179 3600 - 17 - 2704
h) Over 5 years 2693 - 21510 25890 - - -
a) 1 - 14 days 281518 325655 24181 45449 12816 17185 67978
b) 15 - 28 days 71304 174144 31631 41243 3203 17746 56491
c) 29 days to 3 months 296336 438671 73256 65196 11630 15276 114769
h) Over 5 years 2759819 3528453 118501 130758 50075 57840 266966

255
As on March 31
Items Bank Rajasthan Bank of Punjab #
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
Investments(at book value) 3370510 4633035 472920 680915 181656 218270 694522
a) 1 - 14 days 345715 474576 12719 20682 11268 9898 77360
b) 15 - 28 days 282179 491741 29805 78305 - - 29736
c) 29 days to 3 months 488478 798460 106618 175669 5373 15128 133210
h) Over 5 years 703989 792851 175402 245873 146182 167901 61345
a) 1 - 14 days 82163 331017 2705 8303 4498 7344 1773
b) 15 - 28 days 7074 116514 934 638 1752 - -
c) 29 days to 3 months 58007 158800 1582 3016 6002 4326 10082
e) Over 6 months to one year 109353 60190 46 - 588 1022 2760
f) Over one year to 3 years 157829 541445 - - 289 1220 582
g) Over 3 years to 5 years 170878 208553 - - 1007 - 54
h) Over 5 years 126952 310236 - - - - -
a) 1 - 14 days 60269 256855 533 219 410 474 11820
b) 15 - 28 days 44814 54446 64 8 848 - 387
c) 29 days to 3 months 159835 284513 1780 142 1101 2241 3403
g) Over 3 years to 5 years 2827 1220 6 2 574 - 120
h) Over 5 years 6564 190400 - - - - -

256
As on March 31
City Union Development Credit Dhanalakshmi Federal
Items Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
Deposits 642496 820662 607485 464689 360842 496881 2591336 3219819
a) 1 - 14 days 40975 14977 68616 52373 30667 59266 104772 69945
b) 15 - 28 days 24841 8225 31932 20098 27259 20516 56147 82578
c) 29 days to 3 months 67576 40875 112483 60445 33550 45426 329455 334440
h) Over 5 years 2652 2334 574 1724 1949 1934 12255 15869
Borrowings 264 15 42680 34552 400 - 126195 121893
a) 1 - 14 days 19 - 655 6882 400 - 8401 7735
b) 15 - 28 days - - - - - - - -
c) 29 days to 3 months 58 6 5911 5580 - - 8026 21285
f) Over one year to 3 years 14 2 - 3861 - - 17937 30118
g) Over 3 years to 5 years 1 - - 3799 - - 7615 27614
h) Over 5 years - - - - - - 23024 23024
a) 1 - 14 days 22253 10388 31906 27805 16128 25244 163147 203612
b) 15 - 28 days 3690 4429 18389 5614 7301 2605 68286 56166
c) 29 days to 3 months 8667 10496 50595 35051 16652 26311 127295 192576
h) Over 5 years 89265 109103 19774 18692 34459 58947 143856 182169
257
As on March 31
City Union Development Credit Dhanalakshmi Federal
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
a) 1 - 14 days 3352 8527 11686 18449 646 17618 18279 50867
b) 15 - 28 days 113 1986 4194 6503 2413 33920 43442 10440
c) 29 days to 3 months 5260 3639 44475 24172 17302 31874 61296 230532
h) Over 5 years 123278 183098 33370 25195 54965 45705 600708 597478
a) 1 - 14 days 601 13830 1006 851 2957 3479 5699 2006
b) 15 - 28 days 150 2689 - - 513 304 29219 3418
c) 29 days to 3 months 40551 55579 - - 2109 639 2995 4943
e) Over 6 months to one year - 35329 - - 12 - 9916 31558
f) Over one year to 3 years - 229 - - - - 13692 3300
g) Over 3 years to 5 years - - - - 8 - 3303 1469
h) Over 5 years 86160 - 391 495 - - - -
a) 1 - 14 days 2928 14188 1081 1720 551 896 2849 10732
b) 15 - 28 days 39 1374 64 - 108 48 4949 3928
c) 29 days to 3 months 33892 58428 6206 5783 472 568 9919 10203
e) Over 6 months to one year - 35608 1973 492 1860 1650 30803 31893
g) Over 3 years to 5 years - 2 - - 67 46 3621 1811
h) Over 5 years 89791 - - - - - - -
258
As on March 31
HDFC ICICI IndusInd ING Vysya
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
Deposits 10076859 14281158 24443105 21834782 1903742 2211025 2049806 2488993
a) 1 - 14 days 915858 1030908 1504151 1596136 108197 116219 403881 428798
b) 15 - 28 days 333389 228854 1051053 803888 36629 69780 156511 207883
c) 29 days to 3 months 667295 697016 3773156 3814877 269921 247816 437261 384570
h) Over 5 years 293162 806670 152553 15942 237079 271997 252426 147797
Borrowings 459492 268584 6564843 6732369 109543 185646 124980 215242
a) 1 - 14 days 182603 81791 189497 179607 7616 5897 6531 23
b) 15 - 28 days 10569 9485 54070 201977 3007 25723 48144 -
c) 29 days to 3 months 162674 83604 374764 446762 15565 53941 - 12680
e) Over 6 months to one year 22105 - 1128474 766482 2147 12780 226 57159
f) Over one year to 3 years 1998 1473 1767275 2404460 - 7645 479 99
h) Over 5 years - 6276 293194 490213 - 5563 - -
a) 1 - 14 days 602849 634290 932999 770026 102954 189826 202260 218621
b) 15 - 28 days -55555 244584 278574 185473 60648 67521 131053 169667
c) 29 days to 3 months 367208 1120087 1551073 959756 135369 243580 164876 193566
h) Over 5 years 232832 769215 4582221 3474945 29088 23686 156829 207314
259
As on March 31
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
a) 1 - 14 days 1560788 1706344 1441388 1163877 - 46472 100250 404421
b) 15 - 28 days 121383 112544 1029266 456118 - 1494 16401 51201
c) 29 days to 3 months 304748 254001 1106813 1010388 4248 8392 8439 97541
h) Over 5 years 327426 544751 2241540 3074117 341808 503625 135004 110853
a) 1 - 14 days 272971 222607 673564 926863 164 569 68167 41163
b) 15 - 28 days 19962 24034 112296 125817 - - 10261 12327
c) 29 days to 3 months 43921 88623 646068 205728 - - 42331 53663
e) Over 6 months to one year 13553 39025 614017 299856 - - - 42
f) Over one year to 3 years 5196 57584 663005 1569963 - - - 6
h) Over 5 years 124 849 2297170 2263566 3745 6214 - 1027
a) 1 - 14 days 135178 54725 499548 522208 1533 6261 57154 105814
b) 15 - 28 days 14448 13165 123100 264769 - - 49036 390
c) 29 days to 3 months 175918 84614 600177 680520 - - 3031 14932
h) Over 5 years 40120 50720 742830 1108885 - - 11363 12441
260
As on March 31
Jammu & Kashmir Karnataka Karur Vysya Kotak Mahindra
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
Deposits 2859326 3300410 1701620 2033329 1254999 1510138 1642365 1564493
a) 1 - 14 days 141950 94861 130872 129263 78842 68724 227507 197763
b) 15 - 28 days 80785 49254 24673 28638 61746 40757 118722 32555
c) 29 days to 3 months 256083 315631 181562 106159 166894 216821 270238 225220
h) Over 5 years 28518 16292 19029 19989 8925 9692 7065 7548
Borrowings 75179 99663 14219 398 32834 2305 511926 590407
a) 1 - 14 days - - 10101 6 12726 - 239693 317840
b) 15 - 28 days 2000 - - - - - 19365 5100
c) 29 days to 3 months 2329 - - - 7042 - 112259 68600
g) Over 3 years to 5 years - - - - 740 720 24101 24988
h) Over 5 years - - - - 7764 175 1 -
a) 1 - 14 days 81237 69109 93557 100588 70147 35045 84589 111656
b) 15 - 28 days 42649 53200 18170 18987 23340 16350 45932 40547
c) 29 days to 3 months 149522 142865 73113 96401 94720 90988 141958 185797
h) Over 5 years 154732 165403 255569 109749 161363 211031 209224 239967
261
As on March 31
Jammu & Kashmir Karnataka Karur Vysya Kotak Mahindra
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
a) 1 - 14 days 7325 60980 22831 45848 3448 22677 300503 412910
b) 15 - 28 days 9139 12318 4000 45526 2950 19741 60512 10919
c) 29 days to 3 months 71127 122136 16532 94434 11209 18943 176054 48433
h) Over 5 years 448233 531493 265046 497163 231980 242873 74207 86349
a) 1 - 14 days 18635 20065 44785 55087 203 2079 13388 6049
b) 15 - 28 days 10990 23201 9928 10226 368 574 4380 1524
c) 29 days to 3 months 37345 164144 112593 210657 1694 1866 9441 3370
e) Over 6 months to one year 192537 17304 53663 61115 398 - 41 23
f) Over one year to 3 years - - 80 - 9 - 446 363
h) Over 5 years - - - - - - 1444 1826
a) 1 - 14 days 19147 20342 31785 40927 2215 2493 4864 5080
b) 15 - 28 days 8043 20849 3450 1695 165 99 4100 31
c) 29 days to 3 months 40887 166874 119736 222669 8420 423 1024 219
g) Over 3 years to 5 years - - 350 201 3111 - 34 65
h) Over 5 years - - - - - - 18136 22863
262
As on March 31
Lakshmi Vilas Nainital Bank Ratnakar SBI Comm. & Intl.
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
Deposits 561848 736091 179002 213724 110107 130705 40284 43798
a) 1 - 14 days 40979 39369 12383 13948 12924 14549 2830 2647
b) 15 - 28 days 28226 21383 4990 4339 5145 2501 2250 2508
c) 29 days to 3 months 56779 69541 18300 18279 12860 14633 5169 3834
h) Over 5 years 107380 116688 1137 1438 7001 6731 9 8
Borrowings 5279 3260 2161 1443 32 12 500 -
a) 1 - 14 days - - - - 4 - 500 -
b) 15 - 28 days - - - - - - - -
c) 29 days to 3 months 36 105 - - - - - -
d) Over 3 months to 6 months 42 385 359 331 10 9 - -
e) Over 6 months to one year 5078 797 359 327 6 - - -
f) Over one year to 3 years 56 1973 1133 710 12 3 - -
g) Over 3 years to 5 years 67 - 298 67 - - - -
h) Over 5 years - - 12 8 - - - -
a) 1 - 14 days 20247 21719 8678 10895 7036 10228 4186 2117
b) 15 - 28 days 15176 19831 6011 6869 3193 4280 1220 1195
c) 29 days to 3 months 51912 55874 6917 7853 3054 8607 5034 6621
h) Over 5 years 20319 27905 11845 12940 5191 10064 347 126
263
As on March 31
Lakshmi Vilas Nainital Bank Ratnakar SBI Comm. & Intl.
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
a) 1 - 14 days -3150 10131 4342 8090 - 4276 1145 6963
b) 15 - 28 days - 3421 600 200 3985 598 786 810
c) 29 days to 3 months 50 7204 10415 7978 561 2032 1735 1447
h) Over 5 years 129097 128408 28500 36763 19724 5111 1592 1616
Foreign Currency Assets 1130 2297 - - - - 4579 3136
a) 1 - 14 days 569 162 - - - - 1947 2908
b) 15 - 28 days 23 37 - - - - 818 30
c) 29 days to 3 months 56 1040 - - - - 273 198
d) Over 3 months to 6 months 482 893 - - - - 1541 -
e) Over 6 months to one year - - - - - - - -
h) Over 5 years - 165 - - - - - -
Foreign Currency Liabilities 3134 4892 - - - - 12113 15258
a) 1 - 14 days 1092 2214 - - - - 848 962
b) 15 - 28 days 122 33 - - - - 821 749
c) 29 days to 3 months 339 749 - - - - 2183 2007
d) Over 3 months to 6 months 221 579 - - - - 1532 1835
e) Over 6 months to one year 647 1027 - - - - 6011 8676
f) Over one year to 3 years 668 242 - - - - 690 988
g) Over 3 years to 5 years 45 - - - - - 28 41
h) Over 5 years - 48 - - - - - -
264
As on March 31
South Indian Tamilnad Mercantile Yes Bank
Items Bank Bank
2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46)
Deposits 1515612 1809233 767026 956604 1327317 1616943
a) 1 - 14 days 86164 97324 45718 52904 162178 153746
b) 15 - 28 days 28638 75229 33346 16195 121050 113112
c) 29 days to 3 months 158389 115118 107048 155456 339711 373921
d) Over 3 months to 6 months 261561 272614 119735 142712 165761 296692
e) Over 6 months to one year 258874 325016 140586 168525 430811 435691
f) Over one year to 3 years 604867 711878 225149 361348 103101 241045
g) Over 3 years to 5 years 96131 194558 73130 30362 3902 1479
h) Over 5 years 20988 17496 22314 29102 803 1257
Borrowings 2759 25701 111 3268 98621 218905
a) 1 - 14 days 2604 25580 - - 12497 11500
b) 15 - 28 days - - - - 1300 435
c) 29 days to 3 months 10 - - - 7444 117946
d) Over 3 months to 6 months 10 - 32 717 39897 26037
e) Over 6 months to one year 15 - 24 717 37483 62987
f) Over one year to 3 years 52 52 55 1834 - -
g) Over 3 years to 5 years 46 69 - - - -
h) Over 5 years 22 - - - - -
Loans and Advances 1045375 1185203 533132 657169 943027 1240310
a) 1 - 14 days 95843 41733 18030 25215 108586 114780
b) 15 - 28 days 35342 35092 13072 19957 43466 71814
c) 29 days to 3 months 132114 171566 37506 69327 148104 178515
h) Over 5 years 116219 145850 28224 37058 12396 31394
265
SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Concld.)
As on March 31
South Indian Tamilnad Mercantile Yes Bank
Items Bank Bank
2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46)
Investments(at book value) 457222 607520 255354 320720 509371 711702
a) 1 - 14 days 28675 48288 2332 30875 29602 5747
b) 15 - 28 days 14444 13665 3040 2220 2862 12487
c) 29 days to 3 months 29785 49854 8859 2588 128001 44250
h) Over 5 years 208207 261735 118553 177373 168751 400551
Foreign Currency Assets 58748 45151 4457 5273 25131 36247
a) 1 - 14 days 16584 8518 1647 2905 10646 23160
b) 15 - 28 days 6992 1745 436 235 654 1887
c) 29 days to 3 months 10252 19623 1102 1225 8885 4804
e) Over 6 months to one year 3562 4915 - - 10 -
f) Over one year to 3 years 5560 2365 - - 53 -
g) Over 3 years to 5 years 7578 2755 - - - -
h) Over 5 years - - 480 540 301 380
Foreign Currency Liabilities 49991 2436 2067 2335 59352 96421
a) 1 - 14 days 1366 2140 524 851 206 1738
b) 15 - 28 days 830 41 134 15 262 714
c) 29 days to 3 months 3774 30 299 308 5659 38989
f) Over one year to 3 years 12553 - 161 175 1794 2021
g) Over 3 years to 5 years 6468 - 41 6 - -
h) Over 5 years - - - - - 43112
266
TABLE B11 : LOAN SUBJECTED TO RESTRUCTURING & CORPORATE DEBT RESTRUCTURED - 2008-09

As on March 31
Other than Corporate Debt Restructured Corporate Debt Restructured
Name of the Bank Standard Sub- Doubtful Total Standard Sub- Doubtful Total Total
assests standard assests assets assests standard assests assets [(4)+(8)]
assests [(1)+(2)+(3)] [(5)+(6)+(7)]
(1) (2) (3) (4) (5) (6) (7) (8) (9)

State Bank of India 1215518 13819 74811236818 63743 2965 - 66708 1303526
State Bank of Bikaner and Jaipur 54103 162 38 54303 12034 - - 12034 66337
State Bank of Hyderabad 134265 2413 42 136720 10623 - - 10623 147343
State Bank of Indore 22199 157 1 22357 20871 - - 20871 43228
State Bank of Mysore 88897 1987 235 91119 4829 - 620 5449 96568
State Bank of Patiala 178991 633 38 179662 27985 2281 2487 32753 212415
State Bank of Travancore 53706 - - 53706 1788 - 1738 3526 57232
Nationalised Banks
Allahabad Bank 279539 3766 224 283529 39445 - - 39445 322974
Andhra Bank 157646 158 14 157817 1500 - - 1500 159317
Bank of Baroda 235533 6689 175 242397 19991 17768 - 37759 280156
Bank of India 518798 4082 448 523328 6797 - - 6797 530125
Bank of Maharashtra 101434 2913 1271 105618 4628 - - 4628 110246
Canara Bank 182397 6496 864 189757 13373 3468 - 16841 206598
Central Bank of India 180161 - 123 180284 - - - - 180284
Corporation Bank 98199 289 118 98606 5740 - - 5740 104346
Dena Bank 48358 8935 74 57367 62580 239 7610 70429 127796
IDBI Bank Ltd. 257059 - - 257059 5608 - - 5608 262667
Indian Bank 251724 2546 483 254753 8368 - - 8368 263121
Indian Overseas Bank 457683 41153 51 498887 7162 - - 7162 506049
Oriental Bank of Commerce 246585 6533 383 253501 9376 - - 9376 262877
Punjab and Sind Bank 51861 847 13 52721 568 - - 568 53289
Punjab National Bank 349979 11335 10898 372212 35256 - - 35256 407468
Syndicate Bank 321463 2070 6078 329611 6922 51 1585 8558 338169
UCO Bank 230337 2370 2928 235635 9572 - - 9572 245207
Union Bank of India 284418 4080 - 288498 7436 - - 7436 295934
United Bank of India 156235 5005 4600 165840 7809 - - 7809 173649
Vijaya Bank 91332 6036 65 97433 - - - - 97433
Foreign Banks
AB Bank - - - - - - - - -
ABN Amro Bank 11414 6899 5 18318 - - 774 774 19092
Abu Dhabi Commercial Bank - - - - - - - - -
American Express Banking Corp. # - - - - - - - - -
Antwerp Diamond Bank - - - - - - - - -
Bank of America 3250 - - 3250 - - - - 3250
Bank of Bahrain & Kuwait 601 - - 601 - - - - 601
Bank of Ceylon - 33 - 33 - - - - 33
Bank of Nova Scotia - - - - - - - - -
Bank of Tokyo-Mitsubishi UFJ - - - - - - - - -
Note : # See ‘Expalanatory Notes’.
Source : Annual accounts of banks of respective years. TABLE
267
B11 : LOAN SUBJECTED TO RESTRUCTURING & CORPORATE DEBT RESTRUCTURED - 2008-09 (Concld.)

As on March 31
Other than Corporate Debt Restructured Corporate Debt Restructured
Name of the Bank Standard Sub- Doubtful Total Standard Sub- Doubtful Total Total
assests standard assests assets assests standard assests assets [(4)+(8)]
assests [(1)+(2)+(3)] [(5)+(6)+(7)]
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Barclays Bank 11608 17562 - 29170 - 1120 - 1120 30290

BNP Paribas - - - - - - - - -
Calyon Bank - - - - - - - - -
Chinatrust Commercial Bank - - - - - - - - -
Citibank 37990 14420 160 52570 - - - - 52570
DBS Bank - - - - - - - - -
Deutsche Bank 41500 - - 41500 - - - - 41500
Hong Kong & Shanghai Banking Corporation 12394 72 3 12469 - - - - 12469
J P Morgan Chase Bank 1200 2013 - 3213 - - - - 3213
JSC VTB Bank # - - - - - - - - -
Krung Thai Bank - - - - - - - - -
Mashreq Bank - - - - - - - - -
Mizuho Corporate Bank - - - - - - - - -
Oman International Bank - - - - - - - - -
Shinhan Bank - - - - - - - - -
Societe Generale - - - - - - - - -
Sonali Bank - - - - - - - - -
Standard Chartered Bank 41704 1775 - 43479 - - - - 43479
State Bank of Mauritius 87 - - 87 - - - - 87
UBS AG # - - - - - - - - -
Axis Bank 83359 - - 83359 16258 - - 16258 99617
Bank of Rajasthan 23381 - 201 23582 4443 - 2276 6719 30301
Catholic Syrian Bank 13261 65 - 13326 - - - - 13326
City Union Bank 30324 1007 - 31331 - - - - 31331
Development Credit Bank 7904 993 - 8897 - - - - 8897
Dhanalakshmi Bank 3421 - - 3421 - - - - 3421
Federal Bank 59299 3799 - 63098 - - - - 63098
HDFC Bank 3534 84 - 3618 1650 6773 - 8423 12041
ICICI Bank 100336 2021 - 102357 9122 - - 9122 111479
IndusInd Bank 1364 - - 1364 2918 - - 2918 4282
ING Vysya Bank 13994 - - 13994 2036 - - 2036 16030
Jammu & Kashmir Bank 54239 2685 600 57524 3192 - - 3192 60716
Karnataka Bank 48282 63 146 48491 - - - - 48491
Karur Vysya Bank 29339 - - 29339 - - - - 29339
Kotak Mahindra Bank 5627 1348 116 7091 - - - - 7091
Lakshmi Vilas Bank 17023 110 - 17133 - - - - 17133
Nainital Bank 2564 - - 2564 - - - - 2564
Ratnakar Bank 836 - 441 1277 - - - - 1277
SBI Comm. & Intl. Bank 535 - - 535 318 - - 318 854
South Indian Bank 23075 420 - 23495 727 - - 727 24223
Yes Bank 2868 - - 2868 344 - - 344 3211

268
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009
(In per cent)
As on March 31
State Bank State Bank of State Bank State Bank
of Bikaner of of
Ratios India and Jaipur Hyderabad Indore
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
1. Cash-Deposit ratio 9.59 7.49 11.46 9.17 11.07 8.69 6.80 6.18
2. Credit-Deposit ratio 77.55 73.11 73.52 76.10 71.54 69.94 73.79 76.28
3. Investment-Deposit ratio 35.26 37.19 30.78 28.04 31.99 33.60 31.10 28.42
4. (Credit+Investment)-Deposit ratio 112.81 110.29 104.30 104.14 103.53 103.54 104.89 104.70
5. Ratio of deposits to total liabilities 74.48 76.94 82.88 84.59 81.32 81.40 84.37 85.66
6. Ratio of term deposits to total deposits 53.04 58.36 64.74 62.18 69.40 69.33 68.27 69.79
7. Ratio of priority sector advances to total advances 28.61 26.48 40.99 38.80 32.78 31.97 37.93 34.69
8. Ratio of term loan to total advances 54.72 50.07 42.10 56.55 61.23 58.40 58.88 56.48
9. Ratio of secured advances to total advances 73.06 79.01 82.64 80.02 82.92 81.70 87.85 88.88
10. Ratio of investments in non-approved securities
to total investments 24.29 17.34 7.12 4.83 12.61 13.07 8.39 9.65
11. Ratio of interest income to total assets 7.60 7.57 8.07 8.71 7.96 8.25 8.27 8.70
12. Ratio of net interest margin to total assets 2.64 2.48 2.48 2.52 2.01 2.12 2.13 2.35
13. Ratio of non-interest income to total assets 1.35 1.51 1.25 1.32 1.22 1.11 1.15 1.12
14. Ratio of intermediation cost to total assets 1.96 1.86 1.98 1.80 1.44 1.35 1.60 1.48
15. Ratio of wage bills to intermediation cost 61.75 62.29 59.63 58.52 58.73 59.17 50.81 55.33
16. Ratio of wage bills to total expense 17.48 16.64 15.61 13.19 11.47 10.67 10.51 10.43
17. Ratio of wage bills to total income 13.51 12.75 12.68 10.50 9.24 8.52 8.64 8.31
18. Ratio of burden to total assets 0.61 0.35 0.73 0.48 0.22 0.24 0.45 0.35
19. Ratio of burden to interest income 8.00 4.64 9.10 5.52 2.76 2.87 5.42 4.04
20. Ratio of operating profits to total assets 2.04 2.13 1.75 2.04 1.79 1.88 1.68 2.00
21. Return on assets 1.01 1.04 0.87 0.92 1.00 0.91 0.88 0.88
22. Return on equity 16.75 17.05 18.71 21.46 21.28 20.87 18.77 19.36
23. Cost of deposits 5.57 5.93 6.23 6.72 6.86 6.95 6.59 6.56
24. Cost of borrowings 6.43 4.85 4.50 10.24 6.52 4.44 4.74 8.84
25. Cost of funds 5.64 5.85 6.17 6.81 6.86 6.88 6.49 6.63
26. Return on advances 9.34 9.68 10.14 10.89 9.83 10.57 10.11 10.57
27. Return on investments 7.05 6.69 7.34 7.29 7.53 7.43 7.19 7.17
28. Return on advances adjusted to cost of funds 3.70 3.83 3.96 4.08 2.98 3.69 3.61 3.94
29. Return on investments adjusted to cost of funds 1.41 0.84 1.17 0.49 0.67 0.55 0.70 0.54
30. Business per employee (in Rs.lakh) 456.00 556.00 445.45 555.39 599.08 839.82 604.37 701.53
31. Profit per employee (in Rs.lakh) 3.73 4.74 2.73 3.55 4.35 4.87 3.73 4.44
32. Capital adequacy ratio 13.54 14.25 12.51 14.52 12.35 11.53 11.29 13.46
33. Capital adequacy ratio - Tier I 9.14 9.38 6.95 8.46 7.24 7.14 7.01 7.91
34. Capital adequacy ratio - Tier II 4.40 4.87 5.56 6.06 5.11 4.39 4.28 5.55
35. Ratio of net NPA to net advances 1.78 1.76 0.83 0.85 0.16 0.38 0.73 0.89
269
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Contd.)
(In per cent)
As on March 31
Ratios Mysore Patiala Saurashtra # Travancore
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
1. Cash-Deposit ratio 9.69 5.27 8.84 6.20 11.22 9.26 5.54

2. Credit-Deposit ratio 76.57 77.82 74.94 72.72 75.71 79.59 77.81
3. Investment-Deposit ratio 30.60 34.57 29.60 28.38 37.02 32.11 31.47
4. (Credit+Investment)-Deposit ratio 107.16 112.39 104.54 101.10 112.73 111.70 109.28
5. Ratio of deposits to total liabilities 83.04 81.30 82.24 86.13 75.70 80.54 85.00
6. Ratio of term deposits to total deposits 68.13 71.12 74.11 77.40 65.44 70.72 67.57
7. Ratio of priority sector advances to total advances 31.85 33.22 31.60 32.11 39.55 41.73 39.79
8. Ratio of term loan to total advances 61.51 62.96 60.88 61.01 56.29 51.22 51.45
9. Ratio of secured advances to total advances 86.43 89.08 91.42 93.04 77.26 84.57 80.29
to total investments 5.78 12.09 4.23 2.21 16.31 6.00 11.04
11. Ratio of interest income to total assets 8.33 8.83 8.09 9.02 7.75 8.39 8.83
12. Ratio of net interest margin to total assets 2.54 2.28 1.67 1.75 1.81 2.34 2.75
13. Ratio of non-interest income to total assets 1.41 1.31 1.12 0.98 1.03 1.07 1.23
14. Ratio of intermediation cost to total assets 2.06 1.81 1.33 1.23 1.96 1.68 1.71
15. Ratio of wage bills to intermediation cost 54.72 57.82 54.38 55.92 59.81 60.50 61.03
16. Ratio of wage bills to total expense 14.37 12.51 9.32 8.12 14.83 13.14 13.40
17. Ratio of wage bills to total income 11.57 10.32 7.84 6.90 13.35 10.73 10.39
18. Ratio of burden to total assets 0.65 0.50 0.21 0.25 0.93 0.61 0.48
19. Ratio of burden to interest income 7.81 5.69 2.58 2.80 12.00 7.23 5.49
20. Ratio of operating profits to total assets 1.89 1.78 1.46 1.50 0.88 1.73 2.26
21. Return on assets 1.08 0.91 0.83 0.83 0.28 0.89 1.30
22. Return on equity 25.31 18.47 15.92 18.20 4.75 23.28 30.64
23. Cost of deposits 6.42 6.95 7.12 7.95 6.75 6.52 6.45
24. Cost of borrowings 0.12 0.41 2.42 3.49 4.31 0.45 1.06
25. Cost of funds 6.09 6.50 6.88 7.80 6.52 6.11 6.21
26. Return on advances 10.16 10.84 10.20 11.25 9.86 9.84 10.43
27. Return on investments 7.54 7.13 6.94 7.45 6.79 7.27 6.98
28. Return on advances adjusted to cost of funds 4.07 4.34 3.31 3.45 3.34 3.73 4.22
29. Return on investments adjusted to cost of funds 1.45 0.63 0.05 -0.35 0.28 1.16 0.77
30. Business per employee (in Rs.lakh) 495.00 602.00 759.82 910.24 396.00 558.65 657.75
31. Profit per employee (in Rs.lakh) 3.28 3.48 3.70 4.68 0.74 3.40 5.36
32. Capital adequacy ratio 11.73 13.38 13.56 12.60 12.34 13.53 14.03
33. Capital adequacy ratio - Tier I 6.54 7.37 7.31 6.94 8.06 7.41 8.59
34. Capital adequacy ratio - Tier II 5.19 6.01 6.25 5.66 4.28 6.12 5.44
35. Ratio of net NPA to net advances 0.43 0.50 0.60 0.60 0.91 0.94 0.58

270
NATIONALISED BANKS
(In per cent)
As on March 31
Ratios Bank Bank Baroda India
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)
21. Return on assets 1.32 0.90 1.16 1.09 0.89 1.09 1.25 1.49
22. Return on equity 20.10 13.88 17.97 18.94 14.58 18.65 24.38 24.97
23. Cost of deposits 6.57 6.24 6.11 6.41 5.35 5.33 5.23 5.76
25. Cost of funds 6.50 6.21 6.12 6.52 5.33 5.36 5.37 5.79
271
NATIONALISED BANKS
(In per cent)
As on March 31
Ratios Maharashtra Bank India Bank
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
18. Ratio of burden to total assets 1.05 0.86 0.33 0.38 0.78 0.58 0.32 -0.14
19. Ratio of burden to interest income 13.26 10.79 4.07 4.40 10.70 7.57 4.25 -1.74
21. Return on assets 0.75 0.72 0.92 1.06 0.54 0.45 1.29 1.24
22. Return on equity 18.64 17.46 15.01 18.25 11.31 9.25 18.39 19.57
23. Cost of deposits 5.60 5.92 6.71 6.72 5.78 6.55 5.91 6.31
25. Cost of funds 5.60 5.99 6.77 6.75 5.76 6.59 5.80 6.27
272
NATIONALISED BANKS
(In per cent)
As on March 31
Ratios Bank Bank Ltd. Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
18. Ratio of burden to total assets 0.49 0.78 -0.53 -0.03 0.62 0.49 0.49 0.31
19. Ratio of burden to interest income 6.44 9.81 -7.75 -0.45 7.57 5.56 5.79 3.59
21. Return on assets 1.06 1.02 0.67 0.62 1.64 1.62 1.30 1.17
22. Return on equity 21.82 21.29 8.52 9.41 22.41 20.26 27.15 22.07
23. Cost of deposits 5.58 5.86 6.53 7.14 5.51 6.08 6.25 6.46
25. Cost of funds 5.52 5.87 3.97 5.14 5.46 6.15 6.20 6.55
29. Return on investments adjusted to cost of funds 1.57 1.41 0.72 -0.10 2.33 1.40 1.45 0.68
273
NATIONALISED BANKS
(In per cent)
As on March 31
Oriental Bank Punjab and Punjab National Syndicate
Ratios of Commerce Sind Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
21. Return on assets 1.02 0.88 1.49 1.26 1.15 1.39 0.88 0.81
22. Return on equity 6.21 13.74 21.86 20.65 18.01 22.92 21.42 19.63
23. Cost of deposits 6.90 7.41 6.05 7.03 5.40 6.15 6.38 6.26
25. Cost of funds 6.83 7.36 5.90 6.63 5.31 6.05 6.29 6.17
29. Return on investments adjusted to cost of funds 1.60 0.80 1.91 -0.11 1.98 1.46 1.48 0.94
274
NATIONALISED BANKS
(In per cent)
As on March 31
Ratios Bank India India Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
21. Return on assets 0.52 0.59 1.26 1.27 0.68 0.34 0.75 0.59
22. Return on equity 14.75 16.20 22.13 21.46 12.57 6.44 16.59 9.36
23. Cost of deposits 6.31 6.58 6.09 6.09 5.96 5.86 6.78 7.42
25. Cost of funds 6.27 6.61 6.12 6.15 5.85 5.78 6.62 7.26
29. Return on investments adjusted to cost of funds 0.91 -0.06 1.27 1.22 1.96 1.24 1.03 0.48
275
FOREIGN BANKS
(In per cent)
As on March 31
ABN Abu Dhabi American
AB Bank Amro Bank Commercial Express
Ratios Bank Banking Corp. #
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)

12. Ratio of net interest margin to total assets 5.35 4.79 4.85 4.90 5.56 4.51 -0.31
18. Ratio of burden to total assets -1.94 -4.42 2.04 0.79 2.91 1.27 3.27
19. Ratio of burden to interest income -32.73 -77.69 21.83 8.73 30.81 16.38 51.42
20. Ratio of operating profits to total assets 7.30 9.20 2.81 4.11 2.65 3.24 -3.58
21. Return on assets 3.84 8.29 0.78 0.06 3.96 2.40 -7.92
22. Return on equity 6.18 7.91 12.93 0.82 31.37 14.22 -21.80
23. Cost of deposits 1.00 1.70 3.84 4.59 4.86 4.24 8.67
25. Cost of funds 1.56 2.32 3.96 4.25 4.73 4.20 19.06
28. Return on advances adjusted to cost of funds 7.07 9.36 7.30 8.22 3.42 7.54 -10.58
29. Return on investments adjusted to cost of funds 4.46 3.83 3.82 1.87 4.60 2.53 -10.50

276
FOREIGN BANKS
(In per cent)
As on March 31
Antwerp Bank Bank Bank of
Diamond Internasional of Bahrain &
Ratios Bank Indonesia America Kuwait
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
18. Ratio of burden to total assets -0.20 -0.56 -7.38 -0.76 -2.50 -2.43 0.70 0.35
19. Ratio of burden to interest income -3.52 -10.60 -315.35 -253.49 -35.15 -35.95 10.02 4.06
21. Return on assets 1.63 1.64 8.78 0.00 3.76 3.42 4.08 3.14
22. Return on equity 6.13 7.39 9.09 1.73 14.57 13.06 21.00 17.86
23. Cost of deposits 0.93 1.24 1.08 0.00 2.35 2.25 4.50 5.02
25. Cost of funds 3.79 2.96 1.12 0.00 3.70 2.64 4.50 5.19
277
FOREIGN BANKS
(In per cent)
As on March 31
Ratios Ceylon Nova Scotia Mitsubishi UFJ Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
18. Ratio of burden to total assets -0.54 -6.95 -1.28 -1.61 -0.42 -0.54 1.55 1.80
19. Ratio of burden to interest income -7.91 -88.28 -20.71 -20.69 -5.77 -6.95 19.96 14.89
21. Return on assets 2.24 10.23 1.73 2.04 2.40 1.49 0.10 0.16
22. Return on equity 6.40 28.00 15.39 19.49 9.44 5.77 0.20 0.61
23. Cost of deposits 3.64 3.52 6.49 7.50 3.48 6.74 5.02 9.24
25. Cost of funds 3.70 3.82 5.11 5.94 2.91 5.26 6.14 8.68
29. Return on investments adjusted to cost of funds 3.36 3.19 1.68 1.89 3.85 4.03 2.01 -0.50
278
FOREIGN BANKS
(In per cent)
As on March 31
Ratios Commercial Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
18. Ratio of burden to total assets -1.32 -0.57 -3.11 -2.78 1.64 3.08 -0.36 -1.05
19. Ratio of burden to interest income -16.93 -7.82 -44.26 -44.82 22.85 33.15 -4.47 -14.55
21. Return on assets 1.97 2.13 4.20 4.10 1.63 2.91 2.24 2.12
22. Return on equity 13.35 11.84 15.54 17.68 7.50 6.98 22.62 20.83
23. Cost of deposits 4.54 3.94 3.71 3.10 4.47 5.16 4.34 3.91
25. Cost of funds 5.69 4.17 5.31 4.12 5.57 5.68 4.08 3.57
30. Business per employee (in Rs.lakh) 1950.00 2035.00 2249.00 2105.00 845.00 675.00 1,763.78 1,880.10
279
FOREIGN BANKS
(In per cent)
As on March 31
DBS Deutsche Hong Kong & J P Morgan
Bank Bank Shanghai Banking Chase Bank
Ratios Corporation
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
13. Ratio of non-interest income to total assets -0.44 2.79 4.80 4.11 3.24 3.17 5.36 7.71
18. Ratio of burden to total assets 1.60 -1.27 0.17 0.55 0.04 -0.59 -3.58 -6.23
19. Ratio of burden to interest income 19.18 -16.99 2.55 7.20 0.57 -7.98 -56.79 -112.50
21. Return on assets 0.86 2.72 1.56 1.72 1.82 1.51 3.07 4.21
22. Return on equity 5.86 20.38 12.39 9.50 16.31 13.13 15.19 19.38
23. Cost of deposits 2.73 4.03 2.17 1.66 4.49 4.94 4.06 3.45
25. Cost of funds 6.74 6.24 3.25 3.21 4.39 4.83 2.52 2.56
30. Business per employee (in Rs.lakh) 1,416.58 1,662.32 1,616.74 1,434.10 1,012.34 961.81 1,614.67 1,825.28
280
FOREIGN BANKS
(In per cent)
As on March 31
JSC VTB Krung Thai Mashreq Bank Mizuho
Bank # Bank Corporate
Ratios Bank
2008 2009 2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46) (47) (48)

18. Ratio of burden to total assets 6.03 1.56 1.64 -3.49 -3.81 0.56 -0.11
19. Ratio of burden to interest income 99.98 22.26 22.30 -50.04 -81.31 8.02 -1.49
21. Return on assets -0.26 1.90 1.36 8.82 4.43 1.96 2.43
22. Return on equity -0.26 4.50 4.15 11.77 6.44 5.25 7.46
23. Cost of deposits 0.00 3.69 4.95 0.62 0.45 3.38 4.93
25. Cost of funds 0.00 3.69 4.95 0.66 0.59 4.71 4.86
29. Return on investments adjusted to cost of funds 0.00 3.28 2.98 6.90 6.35 1.97 1.44
30. Business per employee (in Rs.lakh) 73.26 812.81 1,021.69 225.63 310.03 1,589.56 2,023.79

281
FOREIGN BANKS
(In per cent)
As on March 31
Oman Shinhan Societe Sonali
International Bank Generale Bank
Ratios Bank
2008 2009 2008 2009 2008 2009 2008 2009
(49) (50) (51) (52) (53) (54) (55) (56)
18. Ratio of burden to total assets 1.34 0.90 1.26 0.50 0.61 -0.12 -1.07 -2.77
19. Ratio of burden to interest income 35.73 24.28 15.74 6.89 8.33 -2.14 -29.62 -90.34
20. Ratio of operating profits to total assets -0.69 0.46 4.30 3.88 1.24 2.86 3.06 4.39
21. Return on assets 3.15 1.22 1.86 1.86 1.33 2.07 1.60 1.98
22. Return on equity 4.70 1.75 5.88 8.05 11.19 10.51 11.29 19.55
23. Cost of deposits 5.93 4.52 5.13 4.30 6.67 5.29 1.41 1.22
25. Cost of funds 5.60 4.32 4.15 4.25 4.38 3.14 1.41 1.22
28. Return on advances adjusted to cost of funds 5.73 -0.25 3.19 6.95 5.81 9.54 8.06 6.14
30. Business per employee (in Rs.lakh) 484.99 480.49 1,709.81 2,445.00 1,459.10 1,017.00 74.02 138.45
282
FOREIGN BANKS
(In per cent)
As on March 31
Standard State Bank UBS AG
Chartered Mauritius Bank #
Ratios Bank
2008 2009 2008 2009 2008 2009
(57) (58) (59) (60) (61) (62)
1. Cash-Deposit ratio 12.52 6.02 9.86 4.26 0.00

2. Credit-Deposit ratio 90.13 89.75 86.31 81.31 0.00
3. Investment-Deposit ratio 34.56 37.20 36.28 35.68 0.00
4. (Credit+Investment)-Deposit ratio 124.69 126.95 122.59 116.98 0.00
5. Ratio of deposits to total liabilities 50.38 42.88 54.50 59.38 0.00
6. Ratio of term deposits to total deposits 52.60 56.94 87.51 92.96 0.00
7. Ratio of priority sector advances to total advances 28.41 28.39 23.58 26.00 0.00
8. Ratio of term loan to total advances 39.00 38.56 78.56 78.87 0.00
9. Ratio of secured advances to total advances 55.34 58.35 79.73 91.18 0.00
to total investments 9.47 9.84 1.24 0.55 0.00
11. Ratio of interest income to total assets 7.37 6.61 7.64 8.23 2.53
12. Ratio of net interest margin to total assets 4.15 3.70 2.33 2.58 2.53
13. Ratio of non-interest income to total assets 3.51 3.62 1.18 0.57 0.00
14. Ratio of intermediation cost to total assets 3.10 2.92 1.34 1.15 8.61
15. Ratio of wage bills to intermediation cost 38.70 42.09 29.85 29.58 54.00
16. Ratio of wage bills to total expense 18.98 21.09 6.01 5.01 54.00
17. Ratio of wage bills to total income 11.02 12.03 4.53 3.87 183.95
18. Ratio of burden to total assets -0.41 -0.70 0.16 0.58 8.61
19. Ratio of burden to interest income -5.57 -10.57 2.11 7.07 340.65
20. Ratio of operating profits to total assets 4.56 4.40 2.17 2.00 -6.08
21. Return on assets 3.13 2.87 1.12 0.90 -7.98
22. Return on equity 24.08 20.45 3.26 3.50 -6.96
23. Cost of deposits 4.63 4.98 7.97 7.05 0.00
24. Cost of borrowings 6.49 5.44 8.85 15.92 0.00
25. Cost of funds 4.92 5.05 8.21 8.37 0.00
26. Return on advances 10.90 12.30 11.15 11.23 0.00
27. Return on investments 10.01 8.77 7.86 7.26 0.86
28. Return on advances adjusted to cost of funds 5.98 7.25 2.94 2.86 0.00
29. Return on investments adjusted to cost of funds 5.09 3.73 -0.35 -1.11 0.00
30. Business per employee (in Rs.lakh) 817.35 971.77 1,491.00 2,327.00 0.00
31. Profit per employee (in Rs.lakh) 20.22 23.82 17.00 20.00 -109.66
32. Capital adequacy ratio 10.59 11.55 41.66 38.01 229.37
33. Capital adequacy ratio - Tier I 8.21 7.99 38.34 35.52 229.37
34. Capital adequacy ratio - Tier II 2.38 3.56 3.32 2.49 0.00
35. Ratio of net NPA to net advances 1.04 1.37 0.00 0.00 0.00

283
(In per cent)
As on March 31
Ratios Bank Rajasthan Bank of Punjab #
2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3) (4) (5) (6) (7) (8)

18. Ratio of burden to total assets 0.39 -0.03 1.02 1.16 1.61 1.34 1.50
19. Ratio of burden to interest income 5.13 -0.36 13.58 13.83 18.83 15.62 15.54
21. Return on assets 1.24 1.44 0.91 0.74 0.64 0.57 0.51
22. Return on equity 17.60 19.12 16.62 11.86 13.68 10.72 6.81
23. Cost of deposits 5.11 6.06 5.74 6.67 6.11 6.54 7.51
25. Cost of funds 4.98 5.88 5.73 6.67 6.11 6.55 7.51
29. Return on investments adjusted to cost of funds 1.95 1.74 1.05 -0.19 0.47 -0.19 -1.00

284
(In per cent)
As on March 31
City Union Development Dhanalakshmi Federal
Ratios Bank Credit Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(9) (10) (11) (12) (13) (14) (15) (16)
21. Return on assets 1.60 1.50 0.48 -1.25 0.76 1.21 1.34 1.48
22. Return on equity 21.82 19.90 7.89 -14.27 17.81 19.26 13.56 12.13
23. Cost of deposits 7.00 7.60 6.85 7.49 6.12 6.52 6.42 6.45
25. Cost of funds 7.04 7.63 6.90 7.49 6.17 6.53 6.32 6.36
29. Return on investments adjusted to cost of funds 0.22 -0.71 -1.16 -0.79 0.64 -0.55 0.97 -0.04
31. Profit per employee (in Rs.lakh) 4.69 4.98 2.00 -4.00 2.02 4.10 5.43 6.90
285
(In per cent)
As on March 31
Ratios Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(17) (18) (19) (20) (21) (22) (23) (24)
18. Ratio of burden to total assets 1.30 1.42 -0.18 -0.14 0.47 0.36 0.85 0.78
19. Ratio of burden to interest income 14.46 13.73 -2.13 -1.80 5.56 3.93 11.36 10.04
21. Return on assets 1.32 1.28 1.12 0.98 0.34 0.58 0.74 0.70
22. Return on equity 17.74 17.17 11.63 7.77 6.24 9.84 11.89 11.66
23. Cost of deposits 5.18 6.58 7.21 6.82 7.64 7.66 5.83 6.18
25. Cost of funds 5.24 6.83 6.40 5.97 7.59 7.69 5.69 5.96
29. Return on investments adjusted to cost of funds 1.94 0.57 0.97 0.93 -1.15 -1.12 0.79 -0.36
286
(In per cent)
As on March 31
Jammu & Karnataka Karur Vysya Kotak Mahindra
Ratios Kashmir Bank Bank Bank Bank
2008 2009 2008 2009 2008 2009 2008 2009
(25) (26) (27) (28) (29) (30) (31) (32)
18. Ratio of burden to total assets 0.52 0.64 0.38 -0.03 0.26 -0.05 2.31 2.94
19. Ratio of burden to interest income 6.52 7.56 4.37 -0.35 3.01 -0.53 21.93 27.36
21. Return on assets 1.09 1.09 1.37 1.25 1.63 1.49 1.10 1.03
22. Return on equity 16.79 16.72 18.47 18.10 18.49 18.57 11.19 7.36
23. Cost of deposits 5.85 6.22 6.89 7.53 6.88 7.34 7.04 6.84
25. Cost of funds 5.89 6.28 6.86 7.56 6.79 7.36 6.14 6.11
29. Return on investments adjusted to cost of funds 0.82 0.52 0.72 -0.84 0.58 -0.65 2.72 0.01
287
(In per cent)
As on March 31
Lakshmi Vilas Nainital Bank Ratnakar SBI Comm. &
Ratios Bank Bank Bank Intl. Bank
2008 2009 2008 2009 2008 2009 2008 2009
(33) (34) (35) (36) (37) (38) (39) (40)
18. Ratio of burden to total assets 0.55 0.60 1.31 1.27 1.60 1.11 -0.69 0.93
19. Ratio of burden to interest income 6.71 6.80 14.65 13.66 19.60 12.76 -10.50 12.01
21. Return on assets 0.41 0.71 1.51 1.68 1.31 1.96 1.93 1.52
22. Return on equity 6.21 11.54 20.07 22.45 6.51 9.19 11.89 9.22
23. Cost of deposits 6.83 7.42 5.52 5.84 5.26 6.15 6.49 6.44
25. Cost of funds 6.85 7.62 5.62 5.79 5.26 6.15 6.68 6.47
29. Return on investments adjusted to cost of funds 0.02 -0.53 2.49 2.18 1.81 2.11 1.21 -0.56
34. Capital adequacy ratio - Tier II 2.20 1.48 1.32 1.25 0.86 0.61 0.74 -0.25
288
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2008 AND 2009 (Concld.)
(In per cent)
As on March 31
South Indian Tamilnad Yes Bank
Ratios Bank Mercantile Bank
2008 2009 2008 2009 2008 2009
(41) (42) (43) (44) (45) (46)
1. Cash-Deposit ratio 6.42 5.51 8.85 7.46 7.23 7.90

2. Credit-Deposit ratio 68.97 65.51 69.51 68.70 71.05 76.71
3. Investment-Deposit ratio 30.17 33.58 33.29 33.53 38.38 44.02
4. (Credit+Investment)-Deposit ratio 99.14 99.09 102.80 102.22 109.42 120.72
5. Ratio of deposits to total liabilities 88.68 88.76 86.52 87.41 78.16 70.61
6. Ratio of term deposits to total deposits 75.93 76.20 75.09 77.99 91.50 91.27
7. Ratio of priority sector advances to total advances 34.24 34.00 44.51 41.97 25.58 27.23
8. Ratio of term loan to total advances 43.34 40.84 43.00 45.45 72.75 76.37
9. Ratio of secured advances to total advances 85.94 88.32 94.93 93.41 51.45 46.65
to total investments 20.86 33.05 23.86 22.53 29.40 34.24
11. Ratio of interest income to total assets 8.40 9.00 9.54 9.87 9.29 10.05
12. Ratio of net interest margin to total assets 2.45 2.79 3.29 3.37 2.35 2.56
13. Ratio of non-interest income to total assets 0.93 0.88 1.64 1.37 2.57 2.18
14. Ratio of intermediation cost to total assets 1.61 1.75 2.11 2.06 2.43 2.10
15. Ratio of wage bills to intermediation cost 58.99 65.20 60.17 60.87 59.33 52.09
16. Ratio of wage bills to total expense 12.58 14.35 15.19 14.67 15.39 11.41
17. Ratio of wage bills to total income 10.21 11.57 11.37 11.17 12.15 8.94
18. Ratio of burden to total assets 0.69 0.88 0.47 0.69 -0.14 -0.08
19. Ratio of burden to interest income 8.17 9.73 4.97 7.00 -1.49 -0.82
20. Ratio of operating profits to total assets 1.76 1.91 2.81 2.68 2.49 2.65
21. Return on assets 1.01 1.09 1.58 1.51 1.54 1.60
22. Return on equity 16.09 15.80 15.67 16.24 19.00 20.65
23. Cost of deposits 6.53 6.84 6.75 7.40 7.95 8.34
24. Cost of borrowings 22.62 10.04 6.83 12.26 6.42 9.10
25. Cost of funds 6.57 6.87 6.75 7.41 7.83 8.41
26. Return on advances 10.46 11.40 10.79 12.47 11.84 13.63
27. Return on investments 6.82 6.74 8.89 7.78 8.83 8.18
28. Return on advances adjusted to cost of funds 3.89 4.53 4.04 5.06 4.01 5.22
29. Return on investments adjusted to cost of funds 0.25 -0.13 2.14 0.36 1.01 -0.22
30. Business per employee (in Rs.lakh) 600.43 645.14 541.99 679.25 683.12 988.36
31. Profit per employee (in Rs.lakh) 3.59 4.31 5.31 6.43 6.35 11.38
32. Capital adequacy ratio 13.80 14.76 15.35 16.10 13.60 16.60
33. Capital adequacy ratio - Tier I 12.08 13.22 14.70 15.38 8.50 9.50
34. Capital adequacy ratio - Tier II 1.72 1.54 0.65 0.72 5.10 7.10
35. Ratio of net NPA to net advances 0.33 1.13 0.38 0.34 0.09 0.33
289
TABLE B13 : BANK-WISE AND POPULATION GROUP-WISE NUMBER OF OFFICES
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009
Number of offices as on March 31
2008
Bank Name Rural Semi- Urban Metro- Total
Urban Politan Branches
(1) (2) (3) (4) (5)
SBI and Its Associates

State Bank Of Bikaner And Jaipur 289 240 152 166 847
State Bank Of Hyderabad 258 315 235 185 993
State Bank Of India 4031 2923 1799 1500 10253
State Bank Of Indore 116 137 83 123 459
State Bank Of Mysore 207 132 147 165 651
State Bank Of Patiala 259 217 203 123 802
State Bank Of Saurashtra 135 139 74 111 459
State Bank Of Travancore 50 452 150 61 713
Nationalised Banks
Allahabad Bank 943 363 443 387 2136
Andhra Bank 387 381 355 241 1364
Bank Of Baroda 1090 630 519 606 2845
Bank Of India 1216 574 515 541 2846
Bank Of Maharashtra 515 252 257 341 1365
Canara Bank 723 680 658 629 2690
Central Bank Of India 1324 821 627 553 3325
Dena Bank 349 223 209 290 1071
IDBI Bank Ltd. 54 93 164 189 500
Indian Bank 459 381 378 307 1525
Oriental Bank Of Commerce 265 302 421 356 1344
Punjab And Sind Bank 283 127 223 206 839
Punjab National Bank 1854 841 811 674 4180
Syndicate Bank 648 507 540 494 2189
UCO Bank 756 369 419 408 1952
Union Bank Of India 753 549 542 528 2372
United Bank Of India 613 224 292 270 1399
Vijaya Bank 254 211 320 268 1053
Foreign Banks
ABN Amro Bank - - 9 19 28
Abu Dhabi Commercial Bank - - - 2 2
American Express Banking corpn. - - - 1 1
Antwerp Diamond Bank - - - 1 1
AB Bank - - - 1 1
Bank Internasional Indonesia - - - 1 1
Bank Of America - - - 5 5
Bank Of Bahrain & Kuwait - - - 2 2
Bank Of Ceylon - - - 1 1
Bank Of Nova Scotia - - 1 4 5
Bank Of Tokyo Mitsubishi UFJ - - - 3 3
Barclays Bank - 1 2 2 5
BNP Paribas - - - 9 9
290
OF SCHEDULED COMMERCIAL BANKS - 2008 AND 2009 (Contd.)
2009
(6) (7) (8) (9) (10)
SBI and Its Associates

State Bank Of Bikaner And Jaipur 292 240 157 168 857
State Bank Of Hyderabad 262 318 249 193 1022
State Bank Of India 4353 3305 2017 1772 11447
State Bank Of Indore 119 138 87 125 469
State Bank Of Mysore 210 138 148 168 664
State Bank Of Patiala 263 229 222 134 848
State Bank Of Travancore 50 460 157 63 730
Nationalised Banks
Allahabad Bank 952 398 466 401 2217
Andhra Bank 393 394 376 262 1425
Bank Of Baroda 1099 650 537 630 2916
Bank Of India 1230 604 542 558 2934
Bank Of Maharashtra 518 262 270 357 1407
Canara Bank 726 694 678 642 2740
Central Bank Of India 1348 895 685 599 3527
Dena Bank 352 225 219 297 1093
IDBI Bank Ltd. 54 96 171 189 510
Indian Bank 474 409 407 321 1611
Oriental Bank Of Commerce 275 325 453 369 1422
Punjab And Sind Bank 283 127 226 222 858
Punjab National Bank 1880 894 849 700 4323
Syndicate Bank 657 530 557 502 2246
UCO Bank 771 410 451 426 2058
Union Bank Of India 760 619 607 583 2569
United Bank Of India 615 235 314 281 1445
Vijaya Bank 257 229 336 279 1101
Foreign Banks
ABN Amro Bank 2 - 9 19 30
Abu Dhabi Commercial Bank - - - 2 2
American Express Banking Corp. - - - 1 1
Antwerp Diamond Bank - - - 1 1
AB Bank - - - 1 1
Bank Internasional Indonesia - - - 1 1
Bank Of America - - - 5 5
Bank Of Bahrain & Kuwait - - - 2 2
Bank Of Ceylon - - - 1 1
Bank Of Nova Scotia - - 1 4 5
Bank Of Tokyo Mitsubishi UFJ - - - 3 3
Barclays Bank - 1 2 2 5
BNP Paribas - - - 9 9
291
2008
(1) (2) (3) (4) (5)
Calyon Bank - - - 6 6
Chinatrust Commercial Bank - - - 1 1
Citibank - 1 10 29 40
DBS Bank - - - 2 2
Deutsche Bank - - 4 6 10
Hongkong And Shanghai Banking Corpn. - - 9 38 47
JP Morgan Chase Bank - - - 1 1
Krung Thai Bank - - - 1 1
Mashreq Bank - - - 2 2
Mizuho Corporate Bank - - - 2 2
Oman International Bank - - 1 1 2
Shinhan Bank - - - 2 2
Societe Generale - - - 2 2
Sonali Bank - - 1 1 2
Standard Chartered Bank - - 12 78 90
State Bank Of Mauritius - - - 3 3

Andhra Pradesh Grameena Vikas Bank 356 109 21 5 491
Andhra Pragathi Grameena Bank 237 74 26 - 337
Arunachal Pradesh Rural Bank 14 3 - - 17
Aryavart Gramin Bank 225 47 6 9 287
Assam Gramin Vikash Bank 285 54 14 - 353
Baitarani Gramya Bank 92 9 3 - 104
Ballia Kshetriya Gramin Bank 75 10 2 - 87
Bangiya Gramin Vikash Bank 467 61 17 - 545
Baroda Gujarat Gramin Bank 99 23 3 4 129
Baroda Rajasthan Gramin Bank 205 55 10 - 270
Baroda Uttar Pradesh Gramin Bank 570 62 15 11 658
Baroda Western Uttar Pradesh Gramin Bank 4 - - - 4
Bihar Kshetriya Gramin Bank 106 42 3 - 151
Cauvery Kalpatharu Grameena Bank 159 32 12 2 205
Chaitanya Godavari Grameena Bank 58 23 8 - 89
Chambal - Gwalior Kshetriya Gramin Bank 32 24 8 - 64
Chhattisgarh Gramin Bank 204 35 6 - 245
Chickmagalur-Kodagu Grameena Bank 42 3 2 - 47
Deccan Gramin Bank 138 25 10 1 174
Dena Gujarat Gramin Bank 97 36 9 - 142
Durg Rajnandgaon Gramin Bank 84 11 4 - 99
Ellaquai Dehati Bank 80 8 7 - 95
Etawah Kshetriya Gramin Bank 42 8 1 - 51
Gurgaon Gramin Bank 107 24 7 4 142
Hadoti Kshetriya Gramin Bank 63 18 3 - 84
292
2009
(6) (7) (8) (9) (10)
Calyon Bank - - - 6 6
Chinatrust Commercial Bank - - - 1 1
Citibank - 1 11 29 41
DBS Bank 2 2 - 6 10
Deutsche Bank - - 6 7 13
Hongkong And Shanghai Banking Corpn. - - 9 38 47
JP Morgan Chase Bank - - - 1 1
JSC VTB Bank - - - 1 1
Krung Thai Bank - - - 1 1
Mashreq Bank - - - 2 2
Mizuho Corporate Bank - - - 2 2
Oman International Bank - - 1 1 2
Shinhan Bank - - - 2 2
Societe Generale - - - 2 2
Sonali Bank - - 1 1 2
Standard Chartered Bank - - 12 78 90
State Bank Of Mauritius - - - 3 3
UBS AG - - - 1 1

Andhra Pradesh Grameena Vikas Bank 376 117 25 6 524
Andhra Pragathi Grameena Bank 239 75 28 - 342
Arunachal Pradesh Rural Bank 14 3 - - 17
Aryavarat Gramin Bank 233 50 8 9 300
Assam Gramin Vikash Bank 285 54 14 - 353
Baitarani Gramya Bank 92 9 3 - 104
Ballia Kshetriya Gramin Bank 75 10 2 - 87
Bangiya Gramin Vikash Bank 467 61 17 - 545
Baroda Gujarat Gramin Bank 99 23 4 4 130
Baroda Rajasthan Gramin Bank 205 57 12 - 274
Baroda Uttar Pradesh Gramin Bank 568 65 17 13 663
Bihar Kshetriya Gramin Bank 106 42 3 - 151
Cauvery Kalpatharu Grameena Bank 161 34 14 3 212
Chaitanya Godavari Grameena Bank 58 24 9 - 91
Chhattisgarh Gramin Bank 205 35 8 - 248
Chickmagalur-Kodagu Grameena Bank 44 6 2 - 52
Deccan Gramin Bank 149 29 12 11 201
Dena Gujarat Gramin Bank 97 37 9 - 143
Durg Rajnandgaon Gramin Bank 84 11 4 - 99
Ellaquai Dehati Bank 80 8 7 - 95
Etawah Kshetriya Gramin Bank 42 8 1 - 51
Gurgaon Gramin Bank 113 31 8 4 156
Hadoti Kshetriya Gramin Bank 63 18 3 - 84
Haryana Gramin Bank 145 32 11 - 188
Himachal Gramin Bank 114 8 1 - 123
Jaipur Thar Gramin Bank 172 36 1 3 212
293
2008
(1) (2) (3) (4) (5)
Haryana Gramin Bank 145 29 11 - 185

Himachal Gramin Bank 112 7 1 - 120
Jaipur Thar Gramin Bank 171 34 1 2 208
Jammu Rural Bank 80 5 6 - 91
Jhabua-Dhar Kshetriya Gramin Bank 65 15 - - 80
Jharkhand Gramin Bank 187 19 7 - 213
Kalinga Gramya Bank 175 4 3 - 182
Kamraz Rural Bank 67 11 - - 78
Karnataka Vikas Grameena Bank 279 101 33 - 413
Kashi Gomti Samyut Gramin Bank 291 33 3 5 332
Kosi Kshetriya Gramin Bank 120 37 7 - 164
Krishna Grameena Bank 96 7 9 - 112
Kshetriya Kisan Gramin Bank, Mainpuri 55 12 3 - 70
Langpi Dehangi Rural Bank 38 5 - - 43
Lucknow Kshetriya Gramin Bank 215 21 6 - 242
Madhya Bharat Gramin Bank 145 50 14 - 209
Madhya Bihar Gramin Bank 341 52 5 1 399
Mahakaushal Kshetriya Gramin Bank 25 13 4 - 42
Maharashtra Godavari Gramin Bank 69 7 7 1 84
Malwa Gramin Bank 38 2 1 - 41
Manipur Rural Bank 18 6 3 - 27
Marathwada Gramin Bank 166 56 7 - 229
Marwar Ganganagar Bikaner Gramin Bank 157 42 6 - 205
Meghalaya Rural Bank 44 6 2 - 52
Mewar Aanchalik Gramin Bank 42 10 6 - 58
Mizoram Rural Bank 45 7 7 - 59
Nagaland Rural Bank 4 6 - - 10
Nainital Almora Kshetriya Gramin Bank 49 8 1 - 58
Narmada Malwa Gramin Bank 157 42 10 1 210
Neelachal Gramya Bank 140 17 13 - 170
North Malabar Gramin Bank 32 123 9 - 164
Pallavan Grama Bank 37 25 4 - 66
Pandyan Grama Bank 108 62 15 - 185
Parvatiya Gramin Bank 28 1 - - 29
Paschim Banga Gramin Bank 195 16 3 2 216
Pragathi Gramin Bank 276 54 23 - 353
Prathama Bank 146 29 15 - 190
Punjab Gramin Bank 128 13 3 1 145
Purvanchal Gramin Bank 275 26 3 - 304
Rajasthan Gramin Bank 150 38 7 - 195
Ratlam Mandsaur Kshetriya Gramin Bank 20 14 9 - 43
Ratnagiri Sindhudurg Gramin Bank 33 6 1 - 40
Rewa-Sidhi Gramin Bank 73 6 12 - 91
Rushikulya Gramya Bank 68 12 7 - 87
Samastipur Kshetriya Gramin Bank 52 12 - - 64
Saptagiri Grameena Bank 80 20 9 - 109
Sarva U.P. Gramin Bank 204 48 14 1 267
Satpura Kshetriya Gramin Bank 177 61 4 - 242
Saurashtra Gramin Bank 113 20 6 2 141
Sharda Gramin Bank 54 4 1 - 59
294

2009
(6) (7) (8) (9) (10)
Jammu Rural Bank 82 5 6 - 93

Jhabua-Dhar Kshetriya Gramin Bank 65 15 - - 80
Jharkhand Gramin Bank 187 19 7 - 213
Kalinga Gramya Bank 175 4 4 - 183
Kamraz Rural Bank 67 12 - - 79
Karnataka Vikas Grameena Bank 280 101 34 - 415
Kashi Gomti Samyut Gramin Bank 291 33 3 5 332
Krishna Grameena Bank 99 7 9 - 115
Kshetriya Kisan Gramin Bank, Mainpuri 55 12 3 - 70
Langpi Dehangi Rural Bank 37 5 - - 42
Lucknow Kshetriya Gramin Bank 220 21 6 - 247
Madhya Bharat Gramin Bank 146 51 14 - 211
Madhya Bihar Gramin Bank 343 53 8 5 409
Mahakaushal Kshetriya Gramin Bank 25 13 4 - 42
Maharashtra Godavari Gramin Bank 69 7 7 2 85
Malwa Gramin Bank 47 3 1 - 51
Manipur Rural Bank 18 6 3 - 27
Marathwada Gramin Bank 166 56 7 - 229
Marwar Ganganagar Bikaner Gramin Bank 160 44 7 - 211
Meghalaya Rural Bank 44 7 3 - 54
Mewar Aanchalik Gramin Bank 42 10 6 - 58
Mizoram Rural Bank 45 7 7 - 59
Nagaland Rural Bank 4 6 - - 10
Nainital Almora Kshetriya Gramin Bank 49 8 1 - 58
Narmada Malwa Gramin Bank 162 44 11 2 219
Neelachal Gramya Bank 141 18 15 - 174
North Malabar Gramin Bank 32 132 12 - 176
Pallavan Grama Bank 38 39 5 - 82
Pandyan Grama Bank 109 64 15 - 188
Parvatiya Gramin Bank 29 1 - - 30
Paschim Banga Gramin Bank 195 16 3 2 216
Pragathi Gramin Bank 282 54 23 - 359
Prathama Bank 150 30 15 - 195
Puduvai Bharathiar Grama Bank 6 3 2 - 11
Punjab Gramin Bank 128 13 3 1 145
Purvanchal Gramin Bank 275 26 3 - 304
Rajasthan Gramin Bank 151 41 7 - 199
Rewa-Sidhi Gramin Bank 74 6 14 - 94
Rushikulya Gramya Bank 68 13 9 - 90
Samastipur Kshetriya Gramin Bank 52 12 - - 64
Saptagiri Grameena Bank 87 26 10 - 123
Sarva U P Gramin Bank 211 56 18 1 286
Satpura Narmada Kshetriya Gramin Bank 229 100 22 - 351
Saurashtra Gramin Bank 114 24 9 2 149
295
2008
(1) (2) (3) (4) (5)
Shreyas Gramin Bank 126 46 12 6 190

Solapur Gramin Bank 24 8 2 - 34
South Malabar Gramin Bank 35 161 14 - 210
Surguja Kshetriya Gramin Bank 79 6 - - 85
Sutlej Gramin Bank 15 9 1 - 25
Tripura Gramin Bank 65 20 7 - 92
Triveni Kshetriya Gramin Bank 164 34 9 - 207
Utkal Gramya Bank 292 33 4 - 329
Uttar Banga Kshetriya Gramin Bank 86 24 7 - 117
Uttar Bihar Gramin Bank 3 2 1 - 6
Uttar Bihar Kshetriya Gramin Bank 562 110 7 - 679
Uttaranchal Gramin Bank 103 11 4 - 118
Vananchal Gramin Bank 158 20 - - 178
Vidharbha Kshetriya Gramin Bank 51 40 4 - 95
Vidisha-Bhopal Kshetriya Gramin Bank 9 6 2 4 21
Visveshvaraya Grameena Bank 23 3 2 - 28
Wainganga Kshetriya Gramin Bank 74 23 4 - 101

Axis Bank 15 133 259 219 626
Bank Of Rajasthan 99 92 142 125 458
Catholic Syrian Bank 19 193 99 47 358
Centurion Bank of Punjab 18 108 134 145 405
City Union Bank 31 52 66 33 182
Dhanalakshmi Bank 21 80 52 28 181
Federal Bank 39 318 149 96 602
HDFC Bank 31 150 245 319 745
ICICI Bank 131 387 359 373 1250
Indusind Bank 5 36 88 53 182
ING Vysya Bank 78 77 132 112 399
Karnataka Bank 88 91 135 122 436
Karur Vysya Bank 30 80 100 64 274
Kotak Mahindra Bank 11 31 39 99 180
Lakshmi Vilas Bank 33 86 74 42 235
Nainital Bank 19 24 22 22 87
Ratnakar Bank 24 24 16 15 79
SBI Commercial & International Bank - - - 2 2
Tamilnad Mercantile Bank 49 73 52 27 201
Yes Bank 8 14 18 28 68

3. Data for 2008 have been revised since last publication.
Source : Master Office File (latest updated version) on commercial banks, Department of Statistics and Information Management,
RBI.
296

2009
(6) (7) (8) (9) (10)
Sharda Gramin Bank 54 5 4 - 63

Shreyas Gramin Bank 127 48 12 7 194
South Malabar Gramin Bank 35 161 14 - 210
Surguja Kshetriya Gramin Bank 79 6 - - 85
Sutlej Gramin Bank 17 9 1 - 27
Tripura Gramin Bank 69 22 7 - 98
Triveni Kshetriya Gramin Bank 171 39 12 - 222
Utkal Gramya Bank 294 34 4 - 332
Uttar Banga Kshetriya Gramin Bank 86 24 7 - 117
Uttar Bihar Gramin Bank 689 155 19 - 863
Uttaranchal Gramin Bank 103 11 6 - 120
Vananchal Gramin Bank 160 26 - - 186
Vidharbha Kshetriya Gramin Bank 51 40 4 - 95
Vidisha-Bhopal Kshetriya Gramin Bank 9 6 2 4 21
Visveshvaraya Grameena Bank 23 4 2 - 29
Wainganga Krishna Gramin Bank 127 38 7 - 172

Axis Bank 30 189 314 253 786
Bank Of Rajasthan 99 92 142 125 458
Catholic Syrian Bank 19 194 100 47 360
City Union Bank 36 61 72 40 209
Dhanalakshmi Bank 21 80 52 28 181
Federal Bank 39 321 152 99 611
HDFC Bank 65 318 474 543 1400
ICICI Bank 138 461 399 410 1408
Indusind Bank 5 36 88 53 182
ING Vysya Bank 83 83 147 131 444
Karnataka Bank 90 94 139 129 452
Karur Vysya Bank 32 89 107 68 296
Kotak Mahindra Bank 14 37 48 121 220
Lakshmi Vilas Bank 36 86 81 44 247
Nainital Bank 24 24 22 22 92
Ratnakar Bank 24 26 17 17 84
SBI Commercial & International Bank - - - 2 2
Tamilnad Mercantile Bank 50 79 54 31 214
Yes Bank 13 22 40 43 118

3. Data for 2008 have been revised since last publication.
Source : Master Office File (latest updated version) on commercial banks, Department of Statistics and Information Management,
RBI.
297
TABLE B14 : COMMERCIAL BANKS AND THEIR OFFICES IN STATES AND
UNION TERRITORIES - 2008 AND 2009
STATE/ As on March 31 STATE/ As on March 31

UNION BANK NAME UNION BANK NAME
TERRITORY 2008 2009P TERRITORY 2008 2009P
Andaman Allahabad Bank 1 1 Indian Overseas Bank 162 163
& Nicobar Axis Bank 1 1 Indusind Bank 17 17
Bank of Baroda 1 1 ING Vysya Bank 170 172
Canara Bank 1 1 Jammu & Kashmir Bank 2 2
Indian Bank 1 1 Karnataka Bank 31 32
Indian Overseas Bank 1 1 Karur Vysya Bank 59 65
Punjab National Bank 1 1 Kotak Mahindra Bank 6 9
State Bank of India 18 18 Krishna Bhima Samruddhi LAB 5 5
Syndicate Bank 9 9 Lakshmi Vilas Bank 28 31
UCO Bank 1 1 Oriental Bank Of Commerce 46 49
United Bank of India 1 1 Punjab & Sind Bank 4 4
Punjab National Bank 70 74
Vijaya Bank 1 1
Saptagiri Grameena Bank 109 123
Total 37 37
South Indian Bank 14 19
Andhra ABN Amro Bank 1 1 Standard Chartered Bank 3 3
Pradesh Allahabad Bank 34 39 State Bank of Bikaner & Jaipur 5 5
Andhra Bank 993 1025 State Bank of Hyderabad 640 660
Andhra Pradesh Grameena 492 525 State Bank of India 963 1025
Vikas Bank State Bank of Indore 4 4
Andhra Pragathi Grameena 339 344 State Bank of Mauritius 1 1
Bank State Bank of Mysore 24 25
Axis Bank 51 60 State Bank of Patiala 4 5
Bank of Bahrain & Kuwait 1 1 State Bank of Saurashtra 6
Bank of Baroda 82 84 State Bank of Travancore 7 8
Bank of India 101 104 Syndicate Bank 351 356
Bank of Maharashtra 33 34 Tamilnad Mercantile Bank 13 14
Bank of Nova Scotia 1 1 Dhanalakshmi Bank 13 13
Bank of Rajasthan 7 7 UCO Bank 47 57
BNP Paribas 1 1 Union Bank of India 154 162
United Bank of India 14 15
Canara Bank 193 196
Vijaya Bank 95 99
Catholic Syrian Bank 9 9
Yes Bank 1 3
Central Bank of India 126 143
Centurion Bank of Punjab 8 Total 6351 6698
Chaitanya Godavari 91 93 Arunachal Arunachal Pradesh Rural 18 18
Grameena Bank Pradesh Axis Bank 1 1
Citibank 1 1 Bank of Baroda 1 1
City Union Bank 26 29 Central Bank of India 1 1
Coastal Local Area Bank 12 12 ICICI Bank - 1
Corporation Bank 99 107 IDBI Bank Ltd. 1 1
Deccan Grameena Bank 178 205 Indian Bank 1 1
Dena Bank 19 20 Punjab National Bank - 1
Development Credit Bank 12 13 State Bank of India 42 43
Federal Bank 15 17 Syndicate Bank 1 1
HDFC Bank 38 68 UCO Bank 2 2
HSBC 2 2 Union Bank Of India 1 1
ICICI Bank 90 95 United Bank of India 3 3
IDBI Bank Ltd. 17 17 Vijaya Bank 2 2
Indian Bank 211 225 Total 74 77
298
UNION TERRITORIES - 2008 AND 2009 (Contd.)

Assam Allahabad Bank 64 65 Canara Bank 85 88
Andhra Bank 1 1 Central Bank Of India 342 354
Assam Gramin Vikash Bank 372 372 Corporation Bank 3 3
Axis Bank 10 13 Dena Bank 8 8
Bank of Baroda 17 17 Federal Bank 1 1
Bank of India 11 12 HDFC Bank 10 11
Bank of Maharashtra 1 1 HSBC 1 1
Bank of Rajasthan 4 4 ICICI Bank 9 16
Canara Bank 17 19 IDBI Bank Limited 2 3
Central Bank of India 106 112 Indian Bank 25 30
Centurion Bank of Punjab 1 - Indian Overseas Bank 14 14
Corporation Bank 1 1 Indusind Bank 1 1
Dena Bank 2 2 ING Vysya Bank 1 1
Federal Bank 5 5 Jammu & Kashmir Bank 1 1
HDFC Bank 7 11 Kosi Kshetriya Gramin Bank 164 -
ICICI Bank 8 13 Kotak Mahindra Bank 1 1
IDBI Bank Ltd. 2 3 Madhya Bihar Gramin Bank 401 411
Indian Bank 23 24 Oriental Bank Of Commerce 12 14
Indian Overseas Bank 18 19 Punjab and Sind Bank 6 6
IndusInd Bank 6 6 Punjab National Bank 410 421
ING Vysya Bank - 1 Samastipur Kshetriya Gramin Bank64 64
Karnataka Bank 1 1 South Indian Bank 1 1
Kotak Mahindra Bank 2 2 Standard Chartered Bank 1 1
Langpi Dehangi Rural Bank 43 42 State Bank Of Bikaner and Jaipur 7 7
Oriental Bank of Commerce 4 5 State Bank Of India 604 616
Punjab & Sind Bank 7 7 State Bank Of Patiala 1 1
Punjab National Bank 47 48 Syndicate Bank 27 28
South Indian Bank 1 1 UCO Bank 170 177
Standard Chartered Bank 1 1 Union Bank Of India 60 69
State Bank of Bikaner & Jaipur 1 1 United Bank Of India 67 68
State Bank of India 240 256 Uttar Bihar Gramin Bank 6 868
Syndicate Bank 9 9 Uttar Bihar Kshetriya Gramin Bank684 -
UCO Bank 104 105 Vijaya Bank 5 8
Union Bank of India 50 54
Total 3792 3916
Chandigarh Allahabad Bank 5 5
Vijaya Bank 14 14
Andhra Bank 3 3
Yes Bank 1 1
Axis Bank 5 5
Total 1381 1429 Bank of Baroda 5 6
Bihar Allahabad Bank 164 172 Bank of India 9 10
Andhra Bank 2 3 Bank of Maharashtra 4 4
Axis Bank 6 11 Bank of Rajasthan 3 3
Bank Of Baroda 92 94 Canara Bank 12 12
Bank Of India 174 183 Catholic Syrian Bank 1 1
Bank Of Maharashtra 4 4 Central Bank of India 9 9
Bank Of Rajasthan 1 1 Centurion Bank Of Punjab 10 -
Bihar Kshetriya Gramin Bank 155 155 Citibank 1 1
299

Corporation Bank 3 3 Durg Rajnandgaon Gramin Bank102 102
Dena Bank 1 2 Federal Bank 1 1
Development Credit Bank 1 1 HDFC Bank 5 12
Federal Bank 1 2 HSBC 1 1
HDFC Bank 7 18 ICICI Bank 10 11
HSBC 1 1 IDBI Bank Limited 7 7
ICICI Bank 6 7 Indian Bank 5 7
IDBI Bank Limited 3 3 Indian Overseas Bank 3 3
Indian Bank 6 6 Indusind Bank 4 4
Indian Overseas Bank 6 6 ING Vysya Bank 1 2
Indusind Bank 1 1 Jammu & Kashmir Bank 1 1
ING Vysya Bank 1 2 Karnataka Bank 3 3
Jammu & Kashmir Bank 1 1 Kotak Mahindra Bank 1 1
Karnataka Bank 1 1 Oriental Bank of Commerce 9 12
Karur Vysya Bank 1 1 Punjab and Sind Bank 5 5
Kotak Mahindra Bank 2 2 Punjab National Bank 50 52
Oriental Bank of Commerce 15 16 South Indian Bank 1 1
Punjab and Sind Bank 27 27 State Bank of India 258 282
Punjab National Bank 29 29 State Bank of Indore 30 31
South Indian Bank 1 1 State Bank of Patiala - 1
Standard Chartered Bank 1 1 State Bank of Saurashtra 1 -
State Bank of Bikaner and Jaipur 2 2 Surguja Kshetriya Gramin Bank 88 88
State Bank of Hyderabad 1 1 Syndicate Bank 7 9
State Bank of India 42 44
UCO Bank 28 29
State Bank of Indore 1 1
State Bank of Patiala 33 36
State Bank of Travancore 1 1
Vijaya Bank 3 4
Syndicate Bank 5 5
Yes Bank 2 2
UCO Bank 10 12
Total 1183 1254
United Bank of India 3 3 Dadra & Axis Bank - 1
Vijaya Bank 5 5 Nagar Bank of Baroda 1 1
Yes Bank 1 1 Haveli Bank of Rajasthan 3 3
Total 297 312 Canara Bank 1 1
Dena Bank 6 6
Chhattisgarh Allahabad Bank 29 29
Development Credit Bank 1 1
Andhra Bank 3 3
HDFC Bank 1 2
Axis Bank 9 14
ICICI Bank 1 1
Bank of Baroda 27 31
IDBI Bank Limited 1 1
Bank of India 22 26
Indusind Bank 1 1
Bank of Maharashtra 17 17
ING Vysya Bank 1 1
Bank of Rajasthan 1 1
Kotak Mahindra Bank 1 1
Canara Bank 9 9
Oriental Bank of Commerce 1 1
Ratnakar Bank - 1
Centurion Bank of Punjab 2 -
Chhattisgarh Gramin Bank 247 254
Corporation Bank 7 7 Union Bank of India 1 1
Dena Bank 66 67 Total 21 24
300

Daman & Axis Bank 1 1 ING Vysya Bank 13 22
Diu Bank of Baroda 1 1 Jammu & Kashmir Bank 25 25
Bank of India 1 1 JSC VTB Bank - 1
Central Bank of India 1 1 Karnataka Bank 16 18
Dena Bank 1 1 Karur Vysya Bank 7 8
Development Credit Bank 1 1 Kotak Mahindra Bank 23 32
ICICI Bank 1 1 Lakshmi Vilas Bank 2 3
Oriental Bank of Commerce 1 1 Mashreq Bank 1 1
State Bank of India 3 7 Mizuho Corporate Bank 1 1
State Bank of Saurashtra 4 - Nainital Bank 14 14
UCO Bank 1 1 Oriental Bank of Commerce 85 89
Union Bank Of India 1 1 Punjab and Sind Bank 66 80
Total 18 18 Punjab National Bank 174 186
Ratnakar Bank 1 1
Delhi ABN Amro Bank 4 4
Shinhan Bank 1 1
Allahabad Bank 53 56
Societe Generale 1 1
American Express Banking Corp. 1 1
Andhra Bank 28 29
Standard Chartered Bank 16 16
Axis Bank 44 50
State Bank of Bikaner and Jaipur 30 31
Bank of America 1 1
State Bank of Hyderabad 16 16
Bank of Baroda 77 83
Bank of India 61 64
State Bank of Indore 13 14
Bank of Maharashtra 31 32
State Bank of Mysore 13 14
Bank of Nova Scotia 1 1
State Bank of Patiala 46 46
Bank of Rajasthan 21 21
State Bank of Saurashtra 12 -
Barclays Bank 1 1
State Bank of Travancore 11 11
BNP Paribas 1 1
Syndicate Bank 136 135
Calyon Bank 1 1
Tamilnad Mercantile Bank 1 2
Canara Bank 107 108
The Bank of Tokyo-Mitsubishi UFJ 1 1
The Dhanalakshmi Bank 3 3
UCO Bank 55 58
Centurion Bank of Punjab 44 -
Chinatrust Commercial Bank 1 1
Citibank 5 5
Vijaya Bank 39 41
City Union Bank 1 2
Yes Bank 6 11
Corporation Bank 58 59
DBS Bank 1 1 Total 2149 2311
Dena Bank 29 31 Goa Allahabad Bank 2 2
Deutsche Bank 1 1 Andhra Bank 4 4
Development Credit Bank 7 7 Axis Bank 5 5
Federal Bank 16 17 Bank of Baroda 26 26
HDFC Bank 79 143 Bank of India 34 34
HSBC 5 5 Bank of Maharashtra 13 14
ICICI Bank 69 80 Bank of Rajasthan 1 1
IDBI Bank Limited 25 25 Canara Bank 27 27
Indian Bank 40 42 Catholic Syrian Bank 3 3
Indian Overseas Bank 64 66 Central Bank of India 25 25
Indusind Bank 6 6 Centurion Bank of Punjab 7 -
301

Corporation Bank 43 43 City Union Bank 4 4
Dena Bank 16 16 Corporation Bank 46 48
Development Credit Bank 4 4 DBS Bank 1
Federal Bank 4 4 Dena Bank 475 479
HDFC Bank 15 23 Dena Gujarat Gramin Bank 145 146
ICICI Bank 6 6 Development Credit Bank 17 17
IDBI Bank Limited 5 6 Federal Bank 6 7
Indian Bank 6 6 HDFC Bank 65 109
Indian Overseas Bank 12 14 HSBC 2 2
Indusind Bank 3 3 ICICI Bank 68 72
ING Vysya Bank 2 3 IDBI Bank Limited 28 28
Jammu & Kashmir Bank 1 1 Indian Bank 50 50
Karnataka Bank 5 5 Indian Overseas Bank 74 74
Kotak Mahindra Bank 2 2 Indusind Bank 17 17
Oriental Bank of Commerce 7 7 ING Vysya Bank 6 6
Punjab and Sind Bank 1 1 Jammu & Kashmir Bank 4 4
Punjab National Bank 4 4 Karnataka Bank 5 5
Ratnakar Bank 3 4 Karur Vysya Bank 7 7
South Indian Bank 2 2 Kotak Mahindra Bank 30 38
State Bank of India 68 74 Lakshmi Vilas Bank 8 8
State Bank of Mysore 3 3 Oriental Bank Of Commerce 43 51
State Bank of Patiala 1 1 Punjab And Sind Bank 7 7
State Bank of Travancore 1 1 Punjab National Bank 92 94
Syndicate Bank 21 22 Ratnakar Bank 1 1
UCO Bank 7 7 Saurashtra Gramin Bank 144 152
Union Bank of India 11 11 South Indian Bank 4 4
United Bank of India 2 3 Standard Chartered Bank 4 4
Vijaya Bank 5 5 State Bank Of Bikaner And Jaipur 9 9
Yes Bank 2 2 State Bank Of Hyderabad 6 6
Total 409 424 State Bank Of India 571 1041
State Bank Of Indore 9 9
Gujarat Abn Amro Bank 3 3
State Bank Of Mysore 3 3
State Bank Of Patiala 6 10
Andhra Bank 14 14
State Bank Of Saurashtra 411 -
Axis Bank 52 62
State Bank Of Travancore 3 3
Bank Of Baroda 681 690
Bank Of India 256 261
Bank Of Maharashtra 37 39
Bank Of Rajasthan 10 10
UCO Bank 81 82
Barclays Bank 1 1
Union Bank Of India 187 205
Baroda Gujarat Gramin Bank 132 133
United Bank Of India 15 17
BNP Paribas 1 1
Vijaya Bank 47 48
Calyon Bank 1 1
Yes Bank 4 7
Canara Bank 44 45
Catholic Syrian Bank 4 4 Total 4289 4481
Central Bank Of India 229 235 Haryana Abn Amro Bank 2 2
Centurion Bank Of Punjab 17 - Allahabad Bank 31 36
Citibank 4 4 American Express Banking Corp. 1 1
302

Andhra Bank 11 11 Union Bank Of India 51 56
Axis Bank 22 31 United Bank Of India 8 11
Bank Of Baroda 35 38 Vijaya Bank 17 17
Bank Of India 29 30 Yes Bank 6 11
Bank Of Maharashtra 17 17 Total 2064 2201
Himachal Allahabad Bank 7 7
Canara Bank 71 72
Pradesh Axis Bank 2 3
Bank Of Baroda 8 10
Central Bank Of India 92 112
Bank Of India 10 10
Centurion Bank Of Punjab 26 -
Citibank 2 2
Canara Bank 12 13
Dena Bank 12 15
Deutsche Bank 1 1
Development Credit Bank 1 1
Federal Bank 6 6
Dena Bank 3 3
Gurgaon Gramin Bank 147 162
HDFC Bank 9 11
Haryana Gramin Bank 189 192
Himachal Gramin Bank 120 123
HDFC Bank 41 74
ICICIBank 8 12
HSBC 1 1
ICICI Bank 41 49
Indian Bank 3 3
Indian Overseas Bank 4 6
Indian Bank 25 26
Indusind Bank 1 1
ING Vysya Bank - 1
Indusind Bank 5 5
Jammu & Kashmir Bank 4 4
ING Vysya Bank 2 2
Oriental Bank Of Commerce 14 16
Parvatiya Gramin Bank 29 30
Karnataka Bank 4 4
Punjab And Sind Bank 11 11
Karur Vysya Bank 2 2
State Bank Of India 167 173
Lakshmi Vilas Bank 1 2
Nainital Bank 3 3
Syndicate Bank 3 3
UCO Bank 129 136
Vijaya Bank 3 3
Yes Bank 1 2
State Bank Of Bikaner And Jaipur13 13
State Bank Of Hyderabad 6 6 Total 910 961
State Bank Of India 212 217 Jammu & Allahabad Bank 4 4
State Bank Of Indore 3 4 Kashmir Andhra Bank 1 1
State Bank Of Mysore 1 1 Axis Bank 1 2
State Bank Of Patiala 158 166 Bank Of Baroda 3 4
State Bank Of Saurashtra 1 - Bank Of India 6 6
State Bank Of Travancore 3 3 Bank Of Maharashtra 2 2
Syndicate Bank 69 70 Bank Of Rajasthan 1 1
UCO Bank 32 37 Canara Bank 8 8
303

Central Bank Of India 11 11 Jammu & Kashmir Bank 1 1
Centurion Bank Of Punjab 1 - Jharkhand Gramin Bank 219 219
Corporation Bank 1 1 Karnataka Bank 1 1
Dena Bank 2 2 Kotak Mahindra Bank 1 2
Ellaquai Dehati Bank 97 97 Lakshmi Vilas Bank - 1
HDFC Bank 4 9 Oriental Bank Of Commerce 9 10
ICICI Bank 3 5 Punjab And Sind Bank 8 8
IDBI Bank Limited 1 1 Punjab National Bank 58 62
Indian Bank 1 1 South Indian Bank 1 1
Indian Overseas Bank 2 2 State Bank Of Bikaner And Jaipur 5 5
Indusind Bank 1 1 State Bank Of India 401 424
Jammu & Kashmir Bank 388 399 State Bank Of Patiala - 1
Jammu Rural Bank 92 94 Syndicate Bank 16 16
Kamraz Rural Bank 82 84 UCO Bank 43 47
Oriental Bank Of Commerce 12 13 Union Bank Of India 46 52
Punjab And Sind Bank 12 12 United Bank Of India 51 54
Punjab National Bank 74 76 Vananchal Gramin Bank 179 187
South Indian Bank 1 1 Vijaya Bank 7 7
State Bank Of India 140 142 Yes Bank - 2
State Bank Of Patiala 3 3 Total 1668 1750
Syndicate Bank 2 2
Karnataka ABN Amro Bank 2 2
UCO Bank 13 13
Abu Dhabi Commercial Bank 1 1
Andhra Bank 40 46
Vijaya Bank 3 3
Axis Bank 47 61
Yes Bank 1 2
Bank Of America 1 1
Total 978 1007 Bank Of Baroda 53 54
Jharkhand Allahabad Bank 103 104 Bank Of India 80 83
Andhra Bank 6 6 Bank Of Maharashtra 50 51
Axis Bank 9 11 Bank Of Nova Scotia 1 1
Bank Of Baroda 38 40 Bank Of Rajasthan 4 4
Bank Of India 279 287 Barclays Bank 1 1
Bank Of Maharashtra 3 3 BNP Paribas 1 1
Bank Of Rajasthan 1 1 Calyon Bank 1 1
Canara Bank 51 51 Canara Bank 573 583
Central Bank Of India 56 56 Catholic Syrian Bank 14 15
Centurion Bank Of Punjab 2 - CauveryKalpatharuGrameenaBank 208 215
Corporation Bank 4 5 Central Bank Of India 66 92
Dena Bank 7 7 Centurion Bank Of Punjab 17 -
Federal Bank 3 4 Chickmagalur-KodaguGrameenaBank 48 53
HDFC Bank 11 14 Citibank 2 2
ICICI Bank 13 19 City Union Bank 12 15
IDBI Bank Limited 5 6 Corporation Bank 303 313
Indian Bank 6 9 DBS Bank - 1
Indian Overseas Bank 19 19 Dena Bank 28 29
Indusind Bank 6 6 Deutsche Bank 1 1
ING Vysya Bank - 2 Development Credit Bank 6 6
304

Federal Bank 38 41 Bank Of Maharashtra 7 7
HDFC Bank 37 72 Bank Of Rajasthan 1 1
HSBC 3 3 Canara Bank 279 281
ICICI Bank 93 97 Catholic Syrian Bank 251 251
IDBI Bank Limited 15 16 Central Bank Of India 83 84
Indian Bank 70 76 Centurion Bank Of Punjab 94 -
Indian Overseas Bank 85 85 Citibank 1 1
Indusind Bank 9 9 City Union Bank 9 10
ING Vysya Bank 108 108 Corporation Bank 62 66
Jammu & Kashmir Bank 5 5 Dena Bank 12 12
Karnataka Bank 281 290 Federal Bank 383 385
KarnatakaVikasGrameenaBank 419 421 HDFC Bank 34 129
Karur Vysya Bank 20 24 HSBC 2 2
Kotak Mahindra Bank 11 13 ICICI Bank 48 60
Krishna Bhima Samruddhi Lab 8 8 IDBI Bank Limited 8 10
Krishna Grameena Bank 112 115 Indian Bank 84 87
Lakshmi Vilas Bank 19 19 Indian Overseas Bank 142 147
Oriental Bank Of Commerce 22 26 Indusind Bank 14 14
Pragathi Gramin Bank 363 369 ING Vysya Bank 23 24
Punjab And Sind Bank 5 5 Jammu & Kashmir Bank 2 2
Punjab National Bank 49 51 Karnataka Bank 11 11
Ratnakar Bank 13 13 Karur Vysya Bank 8 8
South Indian Bank 27 33 Kotak Mahindra Bank 3 3
Standard Chartered Bank 4 4 Lakshmi Vilas Bank 5 5
State Bank Of Bikaner And Jaipur 3 3 North Malabar Gramin Bank 170 182
State Bank Of Hyderabad 122 124 Oman International Bank 1 1
State Bank Of India 406 443 Oriental Bank Of Commerce 11 11
State Bank Of Indore 2 2 Punjab And Sind Bank 3 3
State Bank Of Mysore 553 565 Punjab National Bank 133 135
State Bank Of Patiala 4 5 South Indian Bank 294 307
State Bank Of Saurashtra 2 - South Malabar Gramin Bank 219 219
State Bank Of Travancore 15 17 Standard Chartered Bank 2 2
Subhadra Local Area Bank 1 1 State Bank Of Bikaner And Jaipur 1 1
Syndicate Bank 575 585 State Bank Of Hyderabad 6 6
Tamilnad Mercantile Bank 5 5 State Bank Of India 312 331
The Dhanalakshmi Bank 9 9 State Bank Of Indore 1 1
UCO Bank 33 37 State Bank Of Mysore 10 10
Union Bank Of India 105 118 State Bank Of Saurashtra 2 -
United Bank Of India 8 10 State Bank Of Travancore 587 601
Vijaya Bank 461 474 Syndicate Bank 151 157
Visveshvaraya Grameena Bank 28 29 Tamilnad Mercantile Bank 8 8
Yes Bank 3 3 The Dhanalakshmi Bank 127 127
Total 5732 5991 UCO Bank 25 27
Kerala Allahabad Bank 6 7 Union Bank Of India 161 172
Andhra Bank 21 23 United Bank Of India 4 7
Axis Bank 17 22 Vijaya Bank 80 86
Bank Of Baroda 54 56 Yes Bank - 1
Bank Of India 81 83 Total 4053 4186
305

Lakshwadeep State Bank Of India 1 2 State Bank Of India 555 620
Syndicate Bank 9 9 State Bank Of Indore 369 385
Total 10 11 State Bank Of Mysore 2 2
Madhya Allahabad Bank 159 161
Pradesh Andhra Bank 7 9
Axis Bank 20 28
UCO Bank 109 117
Vidisha-Bhopal Kshetriya Gramin Bank 22 22
Canara Bank 47 47
Vijaya Bank 8 12
Yes Bank 1 1
Chambal-Gwalior Kshetriya Gramin Bank 65 - Total 3878 4089
Citibank 2 2 Maharashtra AB Bank 1 1
Corporation Bank 13 17 ABN Amro Bank 6 6
Dena Bank 35 36 Abu Dhabi Commercial Bank 1 1
Federal Bank 3 3 Allahabad Bank 89 93
HDFC Bank 16 37 Andhra Bank 45 48
HSBC 1 1 Antwerp Diamond Bank 1 1
ICICI Bank 39 44 Axis Bank 98 124
IDBI Bank Limited 19 19 Bank Internasional Indonesia 1 1
Indian Bank 10 10 Bank Of America 1 1
Indian Overseas Bank 14 14 Bank Of Bahrain & Kuwait 1 1
Indusind Bank 6 6 Bank Of Baroda 310 318
ING Vysya Bank 2 2 Bank Of India 623 636
Jammu & Kashmir Bank 2 2 Bank Of Maharashtra 967 983
Jhabua-Dhar Kshetriya Gramin Bank 81 81 Bank Of Nova Scotia 1 1
Karnataka Bank 2 2 Bank Of Rajasthan 34 34
Karur Vysya Bank 1 1 Barclays Bank 1 1
Kotak Mahindra Bank 2 2 BNP Paribas 3 3
Lakshmi Vilas Bank 1 1 Calyon Bank 2 2
Madhya Bharat Gramin Bank 213 215 Canara Bank 216 219
Mahakaushal Kshetriya Gramin Bank 43 43 Catholic Syrian Bank 24 24
Narmada Malwa Gramin Bank 216 226 Central Bank Of India 492 505
Oriental Bank Of Commerce 44 46 Centurion Bank Of Punjab 38 -
Punjab And Sind Bank 26 26 Citibank 10 11
Punjab National Bank 171 174 City Union Bank 9 9
Ratlam Mandsaur Kshetriya Gramin Bank 43 - Corporation Bank 109 115
Rewa-Sidhi Gramin Bank 93 96 DBS Bank 1 3
Satpura Kshetriya Gramin Bank 247 - Dena Bank 239 247
Satpura Narmada Kshetriya Gramin Bank 358 Deutsche Bank 4 5
Sharda Gramin Bank 59 63 Development Credit Bank 43 46
South Indian Bank 2 2 Federal Bank 58 62
Standard Chartered Bank 2 2 HDFC Bank 140 216
State Bank Of Bikaner And Jaipur 8 8 HSBC 13 13
State Bank Of Hyderabad 3 4 ICICI Bank 281 290
306

IDBI Bank Limited 244 244 Vijaya Bank 86 98
Indian Bank 82 88 Wainganga Krishna Gramin Bank 177
Indian Overseas Bank 90 95 Wainganga Kshetriya Gramin Bank 103
Indusind Bank 20 20 Yes Bank 16 23
ING Vysya Bank 27 37 Total 7465 7876
Manipur Allahabad Bank 1 1
Jpmorgan Chase Bank National Association 1 1
Axis Bank - 1
Karnataka Bank 36 39
Bank Of Baroda 3 3
Karur Vysya Bank 12 15
ICICI Bank - 1
Krung Thai Bank Public Company 1 1
Lakshmi Vilas Bank 12 14
Manipur Rural Bank 28 28
Maharashtra Godavari Gramin Bank 87 88
Marathwada Gramin Bank 229 229
Mashreq Bank 1 1
Mizuho Corporate Bank 1 1
UCO Bank 2 2
Oman International Bank 1 1
Vijaya Bank 2 2
Punjab National Bank 150 157 Total 76 81
Ratnagiri Sindhudurg Gramin Bank 41 - Meghalaya Allahabad Bank 1 1
Ratnakar Bank 63 66 Axis Bank 1 2
SBI Commercial & International Bank 3 3 Bank Of Baroda 3 3
Shinhan Bank 1 1 Bank Of India 2 2
Societe Generale 1 1 Canara Bank 2 2
Solapur Gramin Bank 35 - Central Bank Of India 4 5
South Indian Bank 22 24 Corporation Bank 1 1
Standard Chartered Bank 22 22 Dena Bank - 1
State Bank Of Bikaner And Jaipur 27 28 Federal Bank 1 1
State Bank Of Hyderabad 182 189 HDFC Bank 1 1
State Bank Of India 926 1058 ICICI Bank 1 3
State Bank Of Indore 25 25 IDBI Bank Limited 1 1
State Bank Of Mauritius 1 1 Indian Bank 2 2
State Bank Of Mysore 25 26 Indian Overseas Bank 1 1
State Bank Of Patiala 17 22 Megalaya Rural Bank 52 54
State Bank Of Saurashtra 25 - Oriental Bank Of Commerce - 1
State Bank Of Travancore 17 19 Punjab National Bank 8 8
Subhadra Local Area Bank 4 4 State Bank Of India 89 91
Syndicate Bank 161 163 Syndicate Bank 2 2
Tamilnad Mercantile Bank 8 9 UCO Bank 4 4
The Bank Of Tokyo-Mitsubishi UFJ 1 1 Union Bank Of India 4 4
The Dhanalakshmi Bank 7 7 United Bank Of India 12 13
UBS 1 Vijaya Bank 2 2
UCO Bank 130 142 Total 194 205
Mizoram Axis Bank 1 1
Bank Of Baroda 1 1
Vidharbha Kshetriya Gramin Bank 98 98
307

ICICI Bank - 1 IDBI Bank Limited 6 6
IDBI Bank Limited 1 1 Indian Bank 49 52
Indusind Bank 1 1 Indian Overseas Bank 85 86
Mizoram Rural Bank 60 60 Indusind Bank 7 7
Punjab National Bank 1 1 ING Vysya Bank 4 5
State Bank Of India 22 23 Kalinga Gramya Bank 185 186
Syndicate Bank 1 1 Karnataka Bank 2 2
UCO Bank 1 1 Karur Vysya Bank 3 3
United Bank Of India 1 2 Kotak Mahindra Bank 2 2
Vijaya Bank 1 1 Lakshmi Vilas Bank - 1
Total 92 95 Neelachal Gramya Bank 173 180
Nagaland Allahabad Bank 4 4
Axis Bank 2 2
Bank Of Baroda 4 4
Rushikulya Gramya Bank 89 92
Federal Bank 1 1
ICICI Bank 1 2
State Bank Of Bikaner And Jaipur 3 3
State Bank Of Hyderabad 5 6
Indian Bank 1 1
Nagaland Rural Bank 11 11
Syndicate Bank 1 1
UCO Bank 2 2
UCO Bank 176 183
Vijaya Bank 3 3
Total 83 86 Utkal Gramya Bank 330 333
Orissa Allahabad Bank 70 70 Vijaya Bank 8 8
Andhra Bank 106 107 Yes Bank - 2
Axis Bank 20 29 Total 2633 2756
Baitarani Gramya Bank 107 107
Puducherry Allahabad Bank 1 1
Andhra Bank 2 3
Axis Bank 1 1
Bank Of Baroda 1 1
Bank Of India 4 4
Canara Bank 47 47
Canara Bank 4 4
Citibank 1 1
Citibank 1 1
Dena Bank 7 7
City Union Bank 2 2
Federal Bank 3 3
HDFC Bank 12 18
Dena Bank 1 1
ICICI Bank 27 36
Federal Bank 1 1
308

HDFC Bank 1 2 Indusind Bank 11 11
ICICI Bank 3 3 ING Vysya Bank 2 3
IDBI Bank Limited - 1 Jammu & Kashmir Bank 16 16
Indian Bank 19 20 Karnataka Bank 4 4
Indian Overseas Bank 14 14 Karur Vysya Bank 2 2
Indusind Bank 1 1 Kotak Mahindra Bank 14 15
ING Vysya Bank 1 1 Malwa Gramin Bank 41 51
Karnataka Bank 1 1 Oriental Bank Of Commerce 259 266
Karur Vysya Bank 2 2 Punjab And Sind Bank 393 393
Lakshmi Vilas Bank 3 3 Punjab Gramin Bank 149 149
Oriental Bank Of Commerce 1 1 Punjab National Bank 520 537
Puduvai Bharathiar Grama Bank - 11 South Indian Bank 3 3
Punjab National Bank 1 1 Standard Chartered Bank 3 3
South Indian Bank 2 2 State Bank Of Bikaner And Jaipur 10 10
State Bank Of Hyderabad 1 1 State Bank Of Hyderabad 2 2
State Bank Of India 17 19 State Bank Of India 297 312
State Bank Of Mysore 1 1 State Bank Of Indore 2 2
State Bank Of Travancore 1 1 State Bank Of Patiala 395 415
Syndicate Bank 4 4 Sutlej Gramin Bank 26 28
Tamilnad Mercantile Bank 2 2 Syndicate Bank 26 26
UCO Bank 7 7 Tamilnad Mercantile Bank 1 1
Union Bank Of India 2 2 UCO Bank 97 106
United Bank Of India 1 1 Union Bank Of India 75 77
Vijaya Bank 2 2 United Bank Of India 8 9
Total 112 128 Vijaya Bank 25 25
Yes Bank 6 9
Punjab Allahabad Bank 48 61
Andhra Bank 6 6 Total 3207 3357
Axis Bank 38 49 Rajasthan ABN Amro Bank 1 2
Bank Of Baroda 52 55 Allahabad Bank 56 59
Bank Of India 88 91 Andhra Bank 4 5
Bank Of Maharashtra 18 21 Axis Bank 18 25
Bank Of Rajasthan 12 12 Bank Of Baroda 351 356
Canara Bank 111 115 Bank Of India 61 62
Capital Local Area Bank 16 16 Bank Of Maharashtra 14 17
Catholic Syrian Bank 3 3 Bank Of Rajasthan 302 302
Central Bank Of India 98 103 Baroda Rajasthan Gramin Bank 274 278
Centurion Bank Of Punjab 80 - Canara Bank 32 35
Citibank 2 2 Catholic Syrian Bank 1 1
Corporation Bank 20 23 Central Bank Of India 117 137
Dena Bank 11 12 Centurion Bank Of Punjab 14 -
Federal Bank 3 4 Citibank 1 1
HDFC Bank 45 132 Corporation Bank 14 14
HSBC 1 1 Dena Bank 16 17
ICICI Bank 47 53 Development Credit Bank 2 3
IDBI Bank Limited 15 15 Federal Bank 3 3
Indian Bank 33 33 Hadoti Kshetriya Gramin Bank 88 88
Indian Overseas Bank 73 75 HDFC Bank 19 42
309

HSBC 2 2 HDFC Bank 1 2
ICICI Bank 47 49 ICICI Bank 1 1
IDBI Bank Limited 15 15 IDBI Bank Limited 1 1
Indian Bank 13 13 Indian Bank 1 1
Indian Overseas Bank 22 23 Indian Overseas Bank 1 1
Indusind Bank 12 12 Indusind Bank 1 1
ING Vysya Bank 3 4 Oriental Bank Of Commerce 2 2
Jaipur Thar Gramin Bank 213 217 Punjab National Bank 1 1
Jammu & Kashmir Bank 1 1 State Bank Of India 27 27
Karnataka Bank 3 3 Syndicate Bank 1 1
Karur Vysya Bank - 1 UCO Bank 2 2
Kotak Mahindra Bank 3 5 Union Bank Of India 6 6
Lakshmi Vilas Bank - 1 United Bank Of India 2 2
Marwar Ganganagar Bikaner Gramin Bank206 216 Vijaya Bank 1 1
Mewar Aanchalik Gramin Bank 59 59 Total 71 71
Nainital Bank 1 1
Tamil Nadu ABN Amro Bank 3 3
Andhra Bank 60 66
Axis Bank 48 64
Rajasthan Gramin Bank 205 203
Bank Of America 1 1
Bank Of Ceylon 1 1
Bank Of Nova Scotia 1 1
Barclays Bank 1 1
BNP Paribas 1 1
Calyon Bank 1 1
Canara Bank 507 515
UCO Bank 150 157
Citibank 3 3
City Union Bank 119 136
Vijaya Bank 20 20
Yes Bank 5 8
DBS Bank - 2
Total 3903 4041 Dena Bank 22 22
Sikkim Allahabad Bank 1 1 Deutsche Bank 1 3
Andhra Bank 1 1 Development Credit Bank 5 6
Axis Bank 2 2 Federal Bank 42 44
Bank Of Baroda 1 1 HDFC Bank 50 93
Bank Of India 1 1 HSBC 3 3
Canara Bank 1 1 ICICI Bank 220 226
Central Bank Of India 14 14 IDBI Bank Limited 23 26
Centurion Bank Of Punjab 1 - Indian Bank 696 732
Corporation Bank 1 1 Indian Overseas Bank 806 819
310

Indusind Bank 21 21 State Bank Of India 39 40
ING Vysya Bank 36 38 Syndicate Bank 1 1
Jammu & Kashmir Bank 4 4 Tripura Gramin Bank 95 101
Karnataka Bank 31 31 UCO Bank 7 8
Karur Vysya Bank 168 175 Union Bank Of India 4 5
Kotak Mahindra Bank 13 15 United Bank Of India 43 43
Lakshmi Vilas Bank 172 174 Vijaya Bank 1 1
Oriental Bank Of Commerce 39 43 Total 208 219
Pallavan Grama Bank 67 83
Uttar ABN Amro Bank 3 4
Pandyan Grama Bank 189 192
Pradesh Allahabad Bank 708 717
Andhra Bank 17 20
Aryavart Gramin Bank 292 305
Axis Bank 30 49
Ballia Kshetriya Gramin Bank 87 87
State Bank Of Mauritius 1 1
Baroda Uttar Pradesh Gramin Bank 667 671
Baroda Western Uttar Pradesh Gramin Bank4 -
Canara Bank 221 229
Citibank 2 2
The Bank Of Tokyo-Mitsubishi UFJ 1 1
City Union Bank - 1
UCO Bank 76 84
DBS Bank - 1
Dena Bank 46 46
Deutsche Bank 1 1
Vijaya Bank 70 78
Etawah Kshetriya Gramin Bank 52 52
Yes Bank 2 5
Federal Bank 8 9
Total 5772 6132 HDFC Bank 44 85
Tripura Allahabad Bank 1 1 HSBC 2 2
Axis Bank 1 2 ICICI Bank 72 98
Bank Of Baroda 2 2 IDBI Bank Limited 27 27
Bank Of India 1 1 Indian Bank 46 51
Canara Bank 1 1 Indian Overseas Bank 102 108
Central Bank Of India 3 3 Indusind Bank 10 10
HDFC Bank - 1 ING Vysya Bank 7 14
ICICI Bank 1 1 Jammu & Kashmir Bank 13 13
IDBI Bank Limited 1 1 Karnataka Bank 7 8
Indian Bank 1 1 Karur Vysya Bank 2 2
Indian Overseas Bank 2 2 Kashi Gomti Samyut Gramin Bank 335 335
Indusind Bank 2 2 Kotak Mahindra Bank 7 10
Punjab And Sind Bank 1 1 Kshetriya Kisan Gramin Bank,Mainpuri 70 70
311

Lakshmi Vilas Bank 1 1 Indusind Bank 1 1
Lucknow Kshetriya Gramin Bank 245 250 ING Vysya Bank 1 2
Nainital Bank 25 25 Jammu & Kashmir Bank 1 1
Oriental Bank Of Commerce 242 250 Karnataka Bank 2 2
Prathama Bank 196 201 Kotak Mahindra Bank 1 1
Punjab And Sind Bank 127 128 Nainital Almora Kshetriya Gramin Bank 59 59
Punjab National Bank 845 873 Nainital Bank 46 51
Purvanchal Gramin Bank 306 306 Oriental Bank Of Commerce 43 49
Sarva U.P. Gramin Bank 271 290 Punjab And Sind Bank 25 25
Shreyas Gramin Bank 195 199 Punjab National Bank 139 145
South Indian Bank 3 3 Sarva U.P. Gramin Bank 1 1
Standard Chartered Bank 4 4 South Indian Bank 1 1
State Bank Of Bikaner And Jaipur 23 23 State Bank Of Bikaner And Jaipur 2 2
State Bank Of Hyderabad 5 5 State Bank Of India 319 324
State Bank Of India 1361 1466 State Bank Of Patiala 12 12
State Bank Of Indore 10 10 State Bank Of Saurashtra 1 -
State Bank Of Mysore 2 2 Syndicate Bank 13 15
State Bank Of Patiala 50 50 UCO Bank 17 17
State Bank Of Saurashtra 5 - Union Bank Of India 34 36
State Bank Of Travancore 3 3 United Bank Of India 4 5
Syndicate Bank 279 286 Uttaranchal Gramin Bank 121 123
Tamilnad Mercantile Bank - 1 Vijaya Bank 4 4
Triveni Kshetriya Gramin Bank 210 225 Yes Bank 2 3
UCO Bank 146 150 Total 1056 1106
West Bengal ABN Amro Bank 3 3
Vijaya Bank 54 57
Andhra Bank 24 26
Yes Bank 7 17
Axis Bank 72 79
Total 9446 9881 Bangiya Gramin Vikash Bank 563 563
Uttarakhand Allahabad Bank 22 25 Bank Of America 1 1
Andhra Bank 2 2 Bank Of Baroda 121 124
Axis Bank 11 11 Bank Of India 217 219
Bank Of Baroda 51 56 Bank Of Maharashtra 27 27
Bank Of India 14 16 Bank Of Rajasthan 9 9
Bank Of Maharashtra 3 3 BNP Paribas 1 1
Bank Of Rajasthan 1 1 Canara Bank 79 80
Canara Bank 29 29 Catholic Syrian Bank 3 3
Central Bank Of India 25 28 Central Bank Of India 273 279
Centurion Bank Of Punjab 1 - Centurion Bank Of Punjab 10 -
Corporation Bank 4 4 Citibank 2 2
Dena Bank 4 5 City Union Bank 1 2
Federal Bank 1 1 Corporation Bank 27 30
HDFC Bank 7 11 DBS Bank - 1
ICICI Bank 7 10 Dena Bank 30 31
IDBI Bank Limited 4 4 Deutsche Bank 1 1
Indian Bank 5 5 Development Credit Bank 4 4
Indian Overseas Bank 16 16 Federal Bank 16 18
312
UNION TERRITORIES - 2008 AND 2009 (Concld.)

HDFC Bank 45 67 Standard Chartered Bank 17 17
HSBC 7 7 State Bank Of Bikaner and Jaipur 17 18
ICICI Bank 48 64 State Bank Of Hyderabad 6 6
IDBI Bank Limited 19 19 State Bank Of India 785 826
Indian Bank 62 64 State Bank Of Indore 7 7
Indian Overseas Bank 89 91 State Bank Of Mysore 10 10
Indusind Bank 10 10 State Bank Of Patiala 3 3
ING Vysya Bank 10 13 State Bank Of Saurashtra 3
Jammu & Kashmir Bank 2 2 State Bank Of Travancore 4 4
Karnataka Bank 6 6 Syndicate Bank 84 86
Karur Vysya Bank 2 2 Tamilnad Mercantile Bank 1 1
Kotak Mahindra Bank 5 6 The Dhanalakshmi Bank 1 1
Lakshmi Vilas Bank 1 1 UCO Bank 311 322
Oriental Bank Of Commerce 63 67 Union Bank Of India 106 111
Paschim Banga Gramin Bank 220 220 United Bank Of India 726 729
Punjab and Sind Bank 23 23 Uttar Banga Kshetriya Gramin Bank 118 118
Punjab National Bank 227 231 Vijaya Bank 39 42
Sonali Bank 2 2 Yes Bank 1 2
South Indian Bank 8 8 Total 5054 5196
ALL - INDIA 78666 82407
Source : Master office File (Latest updated version) on commercial banks, Department of Statistics
and Information Management, RBI.
313
TABLE B15 : BANK-WISE AND CATEGORY-WISE EMPLOYEES OF SCHEDULED
Officers Clerks Sub-staff Total

Bank Name 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3 ) (4) (5) (6) (7) (8)
SBI and its Associates

State Bank of India 57765 64685 76818 96974 44622 44237 179205 205896
State Bank of Bikaner and Jaipur 4051 4437 4872 4642 2498 2360 11421 11439
State Bank of Hyderabad 4992 4997 5027 4939 2794 2641 12813 12577
State Bank of Indore 2268 2334 2920 2880 1084 1071 6272 6285
State Bank of Mysore 3169 3147 4406 4463 2145 2061 9720 9671
State Bank of Patiala 4364 4347 4757 4861 2054 2157 11175 11365
State Bank of Saurashtra # 2172 0 3156 0 1651 0 6979 0
State Bank of Travancore 4117 4085 4994 4993 2312 2287 11423 11365
Total Of SBI Associates 25133 23347 30132 26778 14538 12577 69803 62702
Total SBI Group 82898 88032 106950 123752 59160 56814 249008 268598
Nationalised Banks
Allahabad Bank 8125 8202 7372 7631 4582 4624 20079 20457
Andhra Bank 8437 8678 2633 3059 2317 2518 13387 14255
Bank of Baroda 13840 13542 15777 15485 7643 7811 37260 36838
Bank of India 14335 14195 17755 17517 8467 8443 40557 40155
Bank of Maharashtra 4244 4208 6528 6660 2818 2763 13590 13631
Canara Bank 18186 17551 16776 16500 10298 10039 45260 44090
Central Bank of India 11768 12441 15126 12935 10594 10167 37488 35543
Corporation Bank 4732 5066 4933 4950 2345 2449 12010 12465
Dena Bank 3609 3714 4093 3890 2255 2279 9957 9883
IDBI Bank Ltd. 5448 7505 1568 1493 1237 1203 8253 10201
Indian Bank 8134 7790 9379 9180 3035 3023 20548 19993
Indian Overseas Bank 8849 9993 11787 11061 4311 4458 24947 25512
Oriental Bank of Commerce 6825 7283 5216 4605 2763 2768 14804 14656
Punjab & Sind Bank 4454 5899 3143 1435 1416 1366 9013 8700
Punjab National Bank 19141 19162 26620 26038 10264 9580 56025 54780
Syndicate Bank 9498 9966 11355 11274 3803 3828 24656 25068
UCO Bank 8544 8933 10692 10388 4714 4415 23950 23736
Union Bank of India 11342 12659 8896 8840 6930 7515 27168 29014
United Bank of India 5349 5031 7135 6748 3525 3332 16009 15111
Vijaya Bank 4714 5054 4399 4255 2326 2666 11439 11975
Total 179574 186872 191183 183944 95643 95247 466400 466063

Centurion Bank of Punjab # - - - - - - - -
City Union Bank 632 687 1204 1405 334 360 2170 2452
Development Credit Bank 2074 1866 125 44 36 32 2235 1942
HDFC Bank 37386 52687 0 0 0 0 37386 52687
ICICI Bank 40686 34596 0 0 0 40686 34596
IndusInd Bank 2869 4251 0 0 0 0 2869 4251
ING Vysya Bank 3525 3877 1526 1576 658 633 5709 6086
Karnataka Bank 1639 1801 2187 2330 851 816 4677 4947
Kotak Mahindra Bank 9058 8227 0 0 0 0 9058 8227
Nainital Bank 262 276 262 266 143 151 667 693
SBI Commercial & International Bank 50 44 24 23 19 17 93 84
Note : # See ‘Explanatory Notes’.
314
TABLE B15 : BANK-WISE AND CATEGORY-WISE EMPLOYEES OF SCHEDULED
Officers Clerks Sub-staff Total

Bank Name 2008 2009 2008 2009 2008 2009 2008 2009
(1) (2) (3 ) (4) (5) (6) (7) (8)
Tamilnad Mercantile Bank 851 934 1124 991 411 412 2386 2337
Bank of Rajasthan 2003 2156 1341 1354 592 565 3936 4075
Catholic Syrian Bank 1174 1241 1182 1181 367 254 2723 2676
Dhanalakshmi Bank 706 760 589 541 116 101 1411 1402
Federal Bank 3141 3645 2511 2593 1293 1332 6945 7570
Jammu & Kashmir Bank 3955 4916 2163 1418 1440 1293 7558 7627
Karur Vysya Bank 1542 1766 1527 1656 511 519 3580 3941
Lakshmi Vilas Bank 817 1218 979 988 282 227 2078 2433
Ratnakar Bank 195 228 244 233 105 105 544 566
South Indian Bank 1932 2031 1616 1827 675 665 4223 4523
Axis Bank 14739 20624 0 0 0 0 14739 20624
Yes Bank 3150 2671 0 0 0 0 3150 2671
Total 132386 150502 18604 18426 7833 7482 158823 176410
Foreign Banks
ABN Amro Bank 3832 3203 16 15 23 23 3871 3241
Abu Dhabi Commercial Bank 37 37 0 0 2 2 39 39
American Express Banking Corp. # 863 857 0 0 0 0 863 857
Antwerp Diamond Bank 19 21 0 0 0 0 19 21
AB Bank 19 21 0 0 7 6 26 27
Bank Internasional Indonesia 3 N.A. 0 N.A. 0 N.A. 3 N.A.
Bank of America 296 276 18 18 0 0 314 294
Bank of Bahrain and Kuwait 48 54 32 45 14 24 94 123
Bank of Ceylon 27 27 2 2 0 0 29 29
Bank of Nova Scotia 195 187 0 0 8 8 203 195
Bank of Tokyo-Mitsubishi UFJ 110 124 13 12 14 14 137 150
Barclays Bank 2078 1782 0 0 0 0 2078 1782
BNP Paribas 334 324 12 10 13 13 359 347
Calyon Bank 99 91 0 0 32 29 131 120
Chinatrust Commercial bank 24 29 0 0 2 2 26 31
Citibank 4421 4490 337 174 24 131 4782 4795
DBS Bank 230 359 0 0 0 0 230 359
Deutsche Bank 3500 2005 0 0 0 0 3500 2005
Hongkong and Shanghai Banking Corpn. 6936 6563 622 674 195 209 7753 7446
JPMorgan Chase Bank 103 116 0 0 57 59 160 175
JSC VTB Bank # 0 16 0 0 0 0 0 16
Krung Thai Bank Public Company 10 10 0 0 0 0 10 10
Mashreq Bank 15 16 0 0 0 0 15 16
MIZUHO Corporate Bank 89 108 0 0 6 5 95 113
Oman International Bank 21 20 14 15 1 1 36 36
Shinhan Bank 35 47 0 0 3 3 38 50
Societe Generale 97 103 21 11 0 0 118 114
Sonali Bank 13 15 18 16 10 10 41 41
Standard Chartered Bank 8519 7390 225 274 223 161 8967 7825
State Bank of Mauritius 32 29 0 0 0 0 32 29
UBS AG # 0 18 0 0 0 0 0 18
Total 32005 28338 1330 1266 634 700 33969 30304

Source : Indian Banks’ Association
315
TABLE B16 : UNCLAIMED DEPOSITS WITH SCHEDULED COMMERCIAL BANKS - 2008
As on December 31
Current Account Savings Account Fixed Deposits
Bank Group / Bank No. of Amount No. of Amount No. of Amount
(1) (2) (3) (4) (5) (6)
PUBLIC SECTOR BANKS
A. State Bank of India and 147386 2159 1140140 7753 146743 3799
its Associates
State Bank of Bikaner & Jaipur 5559 66 62980 602 8464 570
State Bank of Patiala 4 - 426 27 - -
B. Nationalised Banks 309018 7541 5400460 53889 532983 19526
Allahabad Bank 567 15 16883 146 2515 31
Andhra Bank 19945 232 202471 1158 25406 1206
Bank of Baroda 12774 274 272604 1847 40517 1496
Bank of India 13549 205 124953 904 8001 365
Canara Bank 39932 1035 1783424 14786 24684 631
Dena Bank 2973 24 47667 562 3164 178
IDBI Bank Ltd 1918 242 35971 1475 804 304
Indian Bank 7055 77 218115 1113 11486 279
Punjab & Sind Bank 3046 295 44823 687 2551 379
Syndicate Bank 19678 192 76986 760 59378 680
UCO Bank 20232 227 239977 1991 16839 805
Vijaya Bank 6596 105 51698 422 72474 1347
Total of Public Sector Banks 456404 9699 6540600 61642 679726 23325
Source : Department of Banking Operations and Development, RBI.
316
TABLE B16 : UNCLAIMED DEPOSITS WITH SCHEDULED COMMERCIAL BANKS - 2008 (Contd.)
As on December 31
Other Deposits Total Unclaimed Deposits
Bank Group / Bank No. of Amount Interest Incidental No. of Amount
Accounts Outstanding Credited Charges Accounts Outstanding
(7) (8) (9) (10) (11) (12)
PUBLIC SECTOR BANKS
A. State Bank of India and 15836 200 498 210 1450105 14199
its Associates
State Bank of Bikaner & Jaipur - - 134 10 77003 1362
State Bank of Hyderabad - - 7 2 86807 826
State Bank of Indore - - - 1 52943 712
State Bank of Patiala - - - - 430 27
State Bank of Travancore 101 4 - 1 63043 794
B. Nationalised Banks 1112583 9452 719 869 7355044 90258
Allahabad Bank 507 7 8 - 20472 207
Andhra Bank 23641 474 11 2 271463 3079
Bank of Baroda 12598 85 35 58 338493 3679
Bank of India 6135 136 7 4 152638 1613
Canara Bank 247595 2045 - - 2095635 18497
Corporation Bank 8705 26 - - 433676 537
Dena Bank - - 2 - 53804 764
IDBI Bank Ltd 468 68 6 - 39161 2095
Indian Bank 15322 140 5 15 251978 1599
Indian Overseas Bank - - - 114 458457 6756
Punjab & Sind Bank 22503 1073 - - 72923 2434
Syndicate Bank 732803 4609 1 83 888845 6160
United Bank of India - - 114 77 162260 1967
UCO Bank 5326 35 37 14 282374 3080
Vijaya Bank 5466 49 2 9 136234 1916
Total of Public Sector Banks 1128419 9652 1217 1079 8805149 104457
Source: Department of Banking Operations and Development, RBI.
317
As on December 31
(1) (2) (3) (4) (5) (6)
FOREIGN BANKS
ABN Amro Bank 80 8 423 28 2 -
Abu Dhabi Commercial Bank 16 9 - - 3 -
Antwerp Diamond Bank - - - - - -
AB Bank Ltd - - - - - -
Bank of Bahrain & Kuwait 1 - 3 - - -
Bank of America 38 140 1 44 134 57
Bank of Ceylon - - - - - -
Bank of Nova Scotia 14 5 17 2 - -
Bank of Tokyo-Mitsubishi 27 10 105 48 15 24
Barclays Bank - - - - - -
BNP Paribas 15 59 - - 35 10
China Trust Commercial - - - - - -
Calyon Bank 5 - - - - -
Citibank 476 160 1961 166 - -
Deutsche Bank 24 22 - - 2 3
DBS Bank - - - - - -
Hongkong & Shanghai Banking Corp. 49 20 1529 332 1212 274
J.P. Morgan Chase Bank - - - - - -
JSC VTB Bank # - - - - - -
Mashreq Bank - - - - 33 2
Mizuho Corporate Bank - - - - - -
Oman International 52 22 144 20 - -
Societe Generale - - - - 3 -
Sonali Bank - - - - - -
Total of Foreign Banks 12674 1092 27995 2490 4192 666

318
As on December 31
(7) (8) (9) (10) (11) (12)
FOREIGN BANKS
ABN Amro Bank - - - - 505 35
Abu Dhabi Commercial Bank - - - - 19 10
Antwerp Diamond Bank - - - - - -
AB Bank Ltd - - - - - -
Bank of Bahrain & Kuwait - - - - 4 -
Bank of America - - 2 - 173 241
Bank of Ceylon - - - - - -
Bank of Nova Scotia - - - - 31 7
Bank of Tokyo-Mitsubishi 94 4 2 1 241 86
Barclays Bank - - - - - -
BNP Paribas - - - - 50 69
China Trust Commercial - - - - - -
Calyon Bank - - - - 5 -
Citibank - - 7 - 2437 333
Deutsche Bank - - - - 26 25
DBS Bank - - - - - -
Hongkong & Shanghai Banking Corp. 1 - 11 38 2791 599
J.P. Morgan Chase Bank - - - - - -
JSC VTB Bank # - - - - - -
Mashreq Bank - - - - 33 2
Mizuho Corporate Bank - - - - - -
Oman International - - 1 - 196 43
Societe Generale - - - - 3 -
Sonali Bank - - - - - -
Standard Chartered Bank 118 25 - 17 38560 2790
Total of Foreign Banks 213 29 23 58 45074 4241

319
As on December 31
(1) (2) (3) (4) (5) (6)
Axis Bank - - 128 22 4 2
The Bank of Rajasthan 2783 102 54992 972 2960 161
The Catholic Syrian Bank 10135 16 142226 203 10802 120
City Union Bank 4807 49 54185 118 3214 15
Dhanlakshmi Bank 2827 10 49960 42 8310 38
Federal Bank 8315 92 82673 677 3955 74
HDFC Bank 95 2 1445 61 347 20
ICICI Bank 9662 221 50290 582 2281 183
Indusind Bank 129 37 345 53 151 26
ING Vysya Bank 3626 75 88578 634 25649 1025
Karnataka Bank 1530 69 40277 438 4008 133
Karur Vysya Bank 6075 62 40150 137 13560 263
Kotak Mahindra Bank - - - - 64 8
Nainital Bank 533 12 10301 67 1728 34
Ratnakar Bank 1880 21 18771 64 3267 50
SBI Commercial and International Bank - - - - - -
Yes Bank - - - - - -
Total of Other Scheduled 78923 1205 870577 5445 173130 2648

Commercial Banks
320
TABLE B16 : UNCLAIMED DEPOSITS WITH SCHEDULED COMMERCIAL BANKS - 2008 (Concld.)
As on December 31
(7) (8) (9) (10) (11) (12)
Axis Bank - - - - 132 24
The Bank of Rajasthan - - 20 10 60735 1245
The Catholic Syrian Bank 11444 28 6 13 174607 360
City Union Bank - - - - 62206 182
Development Credit Bank - - 3 - 5089 402
Dhanlakshmi Bank - - - - 61097 90
Federal Bank 15805 111 4 15 110748 943
HDFC Bank 7 - - - 1894 84
ICICI Bank - - 15 21 62233 981
Indusind Bank - - 2 - 625 118
ING Vysya Bank 37319 256 - - 155172 1990
Jammu & Kashmir Bank 14716 143 4 - 32741 488
Karnataka Bank 9141 56 10 3 54956 703
Karur Vysya Bank 23066 115 - - 82851 577
Kotak Mahindra Bank - - - - 64 8
Lakshmi Vilas Bank 6954 57 - - 121200 356
Nainital Bank 315 14 4 1 12877 131
Ratnakar Bank - - 1 1 23918 135
SBI Commercial and International Bank - - - - - -
South Indian Bank 523 3 - - 15090 52
Tamilnad Mercantile Bank - - 25 3 203685 1239
Yes Bank - - - - - -
Total of Other Scheduled 119290 783 95 67 1241920 10109

Commercial Banks
321
TABLE B17 : LIST OF AMALGAMATED REGIONAL RURAL BANKS
(As on July 20, 2009)
Sr. State Sponsor Bank Name of new Names of amalgamated
No. Regional Rural Bank Regional Rural Banks
(1) (2) (3) (4)
1 Andhra Pradesh Andhra Bank Chaitanya Godavari GB Chaitanya GB

Godavari GB
2 ———do——— Indian Bank Saptagiri GB Kanakdurga GB

Shri Venkateswara GB
3 ———do——— State Bank of Hyderabad Deccan GB Golconda GB

Sri Rama GB
Sri Saraswathi GB
Sri Sathavahana GB
4 ———do——— State Bank of India Andhra Pradesh Grameena Kakathiya GB

Vikas Bank Manjira GB
Nagarjuna GB
Sangameshwara GB
Sri Visakha GB
5 ———do——— Syndicate Bank Andhra Pragathi GB Pinakini GB

Rayalseema GB
Sree Anantha GB
6 Assam United Bank of India Assam Gramin Vikash Bank Cachar GB

Lakhimi Gaonlia GB
Pragjyotish Gaonlia GB
Subansiri Gaonlia GB
7 Bihar Central Bank of India Uttar Bihar KGB Champaran KGB

Gopalganj KGB
Madhubani KGB
Mithila KGB
Saran KGB
Siwan KGB
Vaishali KGB
8 ———do——— Punjab National Bank Madhya Bihar GB Bhojpur Rohtas GB

Magadh GB
Nalanda GB
Patliputra GB
9 ———do——— UCO Bank Bihar KGB Begusarai KGB

Bhagalpur-Banka KGB
Monghyr KGB
10 ———do——— Central Bank of India Uttar Bihar GB Kosi KGB

Uttar Bihar KGB
11 Chhattisgarh State Bank of India Chhattisgarh GB Bastar KGB

Bilaspur Raipur GB
Raigarh KGB
12 Chennai Indian Bank Puduvai Bharathiar GB New RRB
13 Gujarat Bank of Baroda Baroda Gujarat GB Panchmahal Vadodara GB

Surat Bharuch GB
Valsad Dangs GB
14 ———do——— Dena Bank Dena Gujarat GB Banaskantha-Mehsana GB

Kutch GB
Sabarkantha Gandhinagar GB
Notes : GB : Gramin Bank

KGB: Kshetriya Gramin Bank
Source : Rural Planning and Credit Department, RBI.
322
TABLE B17: LIST OF AMALGAMATED REGIONAL RURAL BANKS (Contd.)
(As on July 20, 2009)
(1) (2) (3) (4)
15 ———do——— State Bank of Saurashtra Saurashtra GB Jamnagar Rajkot GB

Junagadh Amreli GB
Surendranagar Bhavnagar GB
16 Haryana Punjab National Bank Haryana GB Ambala Kurukshetriya GB

Haryana KGB
Hissar-Sirsa KGB
17 Jammu & Kashmir Jammu & Kashmir Bank J&K GB Kamraz Rural Bank
Jammu Rural Bank
18 Jharkhand Bank of India Jharkhand GB Giridih KGB

Hazaribagh KGB
Ranchi KGB
Singhbhum KGB
19 ———do——— State Bank of India Vananchal GB Palamau KGB

Santhal Paraganas GB
20 Karnataka Canara Bank Pragathi GB Chitradurga GB

Kolar GB
Sahyadri GB
Tungbhadra GB
21 ———do——— State Bank of Mysore Cauvery Kalpatharu GB Cauvery GB

Kalpatharu GB
22 ———do——— Syndicate Bank Karnataka Vikas GB Bijapur GB

Malaprabha GB
Netravati GB
Varada GB
23 Madhya Pradesh Bank of India Narmada Malwa GB Dewas-Shajapur GB

Indore-Ujjain KGB
Nimar KGB
Rajgarh-Sehore KGB
24 ———do——— Central Bank of India Chambal-Gwalior KGB Chambal KGB

Gwalior-Datia KGB
25 ———do——— Central Bank of India Satpura KGB Chhindwara-Seoni KGB

Hoshangabad KGB
Mandla-Balaghat KGB
Shahdol KGB
26 ———do——— Central Bank of India Satpura Narmada KGB Satpura KGB

Chambal-Gwalior KGB
Ratlam Mandsaur KGB
27 ———do——— State Bank of India Madhya Bharath GB Bundelkhand KGB

Damoh-Panna Sagar GB
Sivpuri-Guna KGB

323
TABLE B17: LIST OF AMALGAMATED REGIONAL RURAL BANKS (Contd.)
(As on July 20, 2009)
(1) (2) (3) (4)
28 Maharashtra Central Bank of India Vidharbha KGB Akola KGB

Buldhana GB
Yavatmal KGB
29 ———do——— Bank of India Wainganga KGB Bhandara GB

Chandrapur Gadchiroli GB
30 ———do——— Bank of Maharashtra Maharashtra Godavari GB Aurangabad Jalna GB

Thane GB
31 ———do——— Bank of India Wainganga Krishna GB Ratnagiri Sindhudurg GB

Solapur GB
Wainganga KGB
32 ———do——— Bank of Maharashtra Maharashtra GB Marathwada GB

Maharashtra Godavari GB
33 Orissa Indian Overseas Bank Neelachal Gramya Bank Puri GB

Dhenkanal GB
34 ———do——— UCO Bank Kalinga Gramya Bank Balasore GB

Cuttack GB
35 ———do——— State Bank of India Utkal GB Bolangir Anchalik GB

Kalahandi Anchalik GB
Koraput Panchbati GB
36 Punjab Punjab National Bank Punjab GB Gurdaspur-Amritsar KGB

Kapurthala-Ferozpur KGB
Shivalik KGB
37 Rajasthan Bank of Baroda Baroda Rajasthan GB Aravali KGB

Bhilwara-Ajmer KGB
Bundi-Chittorgarh KGB
Dungarpur-Banswara KGB
Marudhar KGB
38 ———do——— Punjab National Bank Rajasthan GB Alwar Bharatpur Anchalik GB

Shekhawati GB
39 ———do——— State Bank of Bikaner & Jaipur Marwar Ganganagar Bikaner GB Bikaner KGB
Marwar GB
Sriganganagar KGB
40 ———do——— UCO Bank Jaipur Thar GB Jaipur Nagaur Anchalik GB

Thar Anchalik GB
41 Tamil Nadu Indian Bank Pallavan Grama Bank Adhiyaman Grama Bank
Vallar Grama Bank
42 Uttaranchal State Bank of India Uttaranchal GB Alaknanda GB
Ganga-Yamuna GB
Pithoragarh KGB

324
TABLE B17: LIST OF AMALGAMATED REGIONAL RURAL BANKS (Concld.)
(As on July 20, 2009)
(1) (2) (3) (4)
43 Uttar Pradesh Allahabad Bank Lucknow KGB Bhagirath GB

Sarayu GB
Shravasti GB
44 ———do——— Allahabad Bank Triveni KGB Chattrasal GB

Tulsi GB
Vindhyavasini GB
45 ———do——— Bank of Baroda Baroda Eastern Uttar Pradesh GB Allahabad KGB

Faizabad KGB
Fatehpur KGB
Kanpur KGB
Pratapgarh KGB
Raebareli KGB
Sultanpur KGB
46 ———do——— Bank of Baroda Baroda Western Uttar Pradesh GB Bareilly KGB

Shahjahanpur KGB
47 ———do——— Canara Bank Shreyas GB Aligarh GB

Etah GB
Jamuna GB
48 ———do——— Punjab National Bank Uttar Pradesh GB Hindon GB

Muzaffarnagar KGB
Vidur GB
49 ———do——— State Bank of India Purvanchal GB Basti GB

Gorakhpur KGB
50 ———do——— Union Bank of India Kashi Gomti Samyut GB Gomti GB

Kashi GB
Samyut KGB
51 ———do——— Punjab National Bank Sarva U.P. GB Uttar Pradesh GB

Rani Lakshimibai KGB
Devi Patan KGB
Kisan GB
52 Uttar Pradesh Bank of India Aryavart GB Avadh GB

Barabanki GB
Farrukhabad GB
53 Uttar Pradesh Bank of Baroda Baroda Uttar Pradesh GB Baroda Eastern UP GB

Baroda Western UP GB
54 West Bengal UCO Bank Paschim Banga GB Howrah GB

Bardhaman GB
Mayurakshi GB
54 West Bengal United Bank of India Bangiya Gramin Vikash Gaur GB

Bank Mallabhum GB
Murshidabad GB
Nadia GB
Sagar GB

325
TABLE B18 : BANK-WISE AND COUNTRY-WISE OFFICES OF INDIAN SCHEDULED COMMERCIAL BANKS
OUTSIDE INDIA - 2009
As on March 31
Syndi
Name of the Country SBI AhB BoB BoI Canara Indian IOB PNB cate UCO UBI ICICI Axis HDFC Total
Bank Bank Bank Bank Bank Bank Bank
Afghanistan - - - - - - - 1 - - - - - - 1
Australia 1 - - - - - - - - - - - - - 1
Bahamas Island 1 - 1 - - - - - - - - - - - 2
Bahrain 2 - 1 - - - - - - - - 1 - 1 5
Bangladesh 4 - - - - - - - - - - - - - 4
Belgium 1 - 1 1 - - - - - - - - - - 3
Cayman Island - - - 1 - - - - - - - - - - 1
Channel Islands - - - 1 - - - - - - - - - - 1
China 1 - 1 1 1 - - - - - - - - - 4
Fiji - - 9 - - - - - - - - - - - 9
France 1 - - 1 - - - - - - - - - - 2
Germany 1 - - - - - - - - - - - - - 1
Hongkong 1 1 2 2 1 - 2 1 - 2 1 1 1 - 15
Israel 1 - - - - - - - - - - - - - 1
Japan 2 - - 2 - - - - - - - - - - 4
Kenya - - - 4 - - - - - - - - - - 4
Maldives Islands 2 - - - - - - - - - - - - - 2
Mauritius - - 8 - - - - - - - - - - - 8
Oman 1 - 3 - - - - - - - - - - - 4
Qatar - - - - - - - - - - - 1(QFC) - - 1
Seychelles - - 1 - - - - - - - - - - - 1
Singapore 4 - 1 1 - 1 1 - - 2 - 1 1 - 12
South Africa 1 - 2 - - - - - - - - - - - 3
South Korea - - - - - - 1 - - - - - - - 1
Sri Lanka 3 - - - - 2 1 - - - - 1 - - 7
Thailand - - - - - - 1 - - - - - - - 1
United Arab Emirates1(DIFC) - 6 - - - - - - - - 1(DIFC) 1(DIFC) - 9
United Kingdom 6 - 9 7 1 - - - 1 - - - - - 24
United States of America 3 - 1 2 - - - - - - - 1 - - 7
Total 37 1 46 23 3 3 6 2 1 4 1 7 3 1 138
Notes : AhB - Allahabad bank

IOB - Indian Overseas Bank
QFC - Qatar Financial Centre
BoB - Bank of Baroda
PNB - Punjab National Bank
BoI - Bank of India
SBI - State Bank of India
UBI - Union Bank of India
DIFC - Dubai International Financial Centre
Source : Department of Banking Operations & Development, RBI.
326

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STATISTICAL TABLES

RESERVE BANK OF INDIA

2. M/s. Jain Book Agency

Cheque/Drafts should be drawn in favour of “Reserve Bank of India”

GLIMPSES INTO THE HISTORY

LIABILITIES AND ASSETS OF RESERVE BANK OF INDIA – 2008 AND 2009

STATISTICS RELATING TO SCHEDULED COMMERCIAL BANKS AT A GLANCE

Table Title Page

3 LIABILITIES AND ASSETS

3.1 Bank group-wise liabilities and assets of Scheduled Commercial Banks 46

3.2 State-wise distribution of liabilities and assets of State Co-operative 50

3.3 State-wise distribution of liabilities and assets of District Central Co-operative 52

3.4 Liabilities and assets of Indian Scheduled Commercial Banks in foreign 54

4.1 Maturity pattern of term deposits of Scheduled Commercial 55

5.1 Bank group-wise distribution of outstanding credit of Scheduled Commercial 59

5.2 Bank group-wise distribution of outstanding credit of Scheduled Commercial 63

5.3 Distribution of outstanding credit of Scheduled Commercial Banks according 67

5.4 Outstanding advances of Scheduled Commercial Banks to 68

5.5 Outstanding advances of Scheduled Commercial Banks for public food 68

5.6 Sector-wise gross bank credit of Scheduled Commercial Banks 69

5.7 Industry-wise gross bank credit of Scheduled Commercial Banks 73

6 PRIORITY SECTOR ADVANCES

6.1 Distribution of select items of Scheduled Commercial Banks’ advances to 77

6.2 State-wise distribution of outstanding advances of Scheduled Commercial 84

6.3 Distribution of outstanding advances of Public Sector Banks to 88

6.4 Distribution of outstanding advances of Public Sector Banks to 89

6.5(A) Distribution of outstanding direct and indirect advances of Public Sector 90

6.5(B) Distribution of outstanding advances of Public Sector Banks to 91

6.5(C) Distribution of outstanding advances of Public Sector Banks to 92

6.5(D) Distribution of outstanding advances of Public Sector Banks to Education, 93

6.6 Distribution of outstanding advances of Public Sector Banks under Differential 94

7.1 Bank group-wise classification of loan assets of Scheduled Commercial 95

7.2 Composition of NPAs of Public Sector Banks – 2001 to 2009 97

8.1 Investments of Scheduled Commercial Banks – 2006 to 2008 98

8.2 State-wise distribution of investments of Scheduled Commercial Banks in 100

9 EARNINGS AND EXPENSES

9.1 Bank group-wise earnings and expenses of Scheduled Commercial 105

10.1 State-wise distribution of employees of Scheduled Commercial Banks – 2008 107

11.1 Cash Reserve Ratio and interest rates – 2008-09 108

11.2 Cheque Clearances – 2005-06 to 2008-09 109

11.3 Number of Clearing Houses – 1978 to 2009 110

11.5 Bank group-wise insured deposits – 2007-08 and 2008-09 113

November 18, 2009

Population Population Groups

Other ratios are calculated using the following concepts.

1. Definitions of the concepts used in the ratios are as follow:

3. Definitions of the ratios are as follow:

(i) Cash-Deposit ratio = (Cash in hand + Balances with RBI) / Deposits

(viii) Ratio of wage bill to total expenses = PPE / Total expenses

(ix) Ratio of wage bill to total income = PPE / Total income

(xiv) Return on Equity = Net Profit / (Capital + Reserves and Surplus)

(xv) Cost of Deposits = IPD / Deposits

(xvi) Cost of Borrowings = IPB / Borrowings

(xvii) Cost of Funds = (IPD + IPB) / (Deposits + Borrowings)

(xviii) Return on Advances = IEA / Advances

(xix) Return on Investments = IEI / Investments

Abbreviations used in the above definitions are as follows.

PPE = Payment to and provisions for employees

IPD = Interest paid on deposits

IPB = Interest paid on borrowings from RBI and other agencies

IEA = Interest earned on advances and bills

IEI = Interest earned on investments

2. Figures in brackets, unless otherwise specified, indicate percentage to totals.