RBI released September 2011 Quarterly Statistics on Deposits & Credit of Scheduled Commercial Bank

The Reserve Bank of India (RBI) on 3 April 2012 released 'Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks, September 2011’. The release included data related to deposits and credit of scheduled commercial banks including regional rural banks (RRBs) as on 30 September 2011. The data included in the release were based on Basic Statistical Return (BSR)-7 received from all scheduled commercial banks (including RRBs).

Highlights of RBI’s Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks

Number of banked centres

•    The number of banked centres of Scheduled Commercial banks stood at 35,435. 27,913 of these centres were single office centres and 68 centres had 100 or more bank offices.
Deposits and Credit of top 100/200 centres
•    The top hundred centres, arranged according to the size of deposits accounted for 69.6 per cent of the total deposits. Whereas the top hundred centres arranged according to the size of bank credit accounted for 78.5 per cent of total bank credit.
•    In September 2010, the corresponding shares of top hundred centres in aggregate deposits and gross bank credit had stood at 68.8 per cent and 78.0 per cent.
•    Aggregate deposits of top hundred centres increased by 23.5 per cent in September 2011 over September 2010.
•    Annual growth rate of gross bank credit of top hundred centres at 24.3 per cent in September 2011 was higher than the 19.7% growth recorded in September 2010.
•    The top 200 centres in terms of aggregate deposits covered 32.4 per cent of reporting offices and 74.5 per cent of aggregate deposits. The top 200 centres in terms of gross bank credit accounted for 31.8 per cent of reporting offices and 81.9 per cent of gross bank credit.

Bank-group wise shares in deposits and credit

•    Nationalised Banks, as a group, accounted for 52.2 per cent of the aggregate deposits.
•    State Bank of India and its Associates accounted for 21.8 per cent of the aggregate deposits.
•    The share of New Private Sector Banks, Old Private Sector Banks, Foreign Banks, and Regional Rural Banks in aggregate deposits was 13.7 per cent, 4.8 per cent, 4.6 per cent and 2.9 per cent, respectively.
•    With respect to gross bank credit, Nationalised Banks held the highest share of 51.6 per cent in the total bank credit followed by State Bank of India and its Associates at 22.1 per cent and New Private Sector Banks at 13.8 per cent. Foreign Banks, Old Private Sector Banks and Regional Rural Banks had relatively lower shares in the total bank credit at 5.2 per cent, 4.8 per cent and 2.5 per cent, respectively.

Credit-Deposit ratio

•    Credit-deposit (C-D) ratio of All Scheduled Commercial Banks (SCBs) at all India level as on 30 September 2011 stood at 74.4 per cent. Among the States/Union Territories, the highest C-D ratio was observed in Chandigarh (149.2 per cent) followed by Tamil Nadu (115.2 per cent) and Andhra Pradesh (109.4 per cent).
•    C-D ratio at the bank group level was observed to be above the All-India ratio in respect of Foreign Banks (85.1 per cent), and State Bank of India and its Associates (75.6 per cent), New Private Sector Banks (74.9 per cent) and Old Private Sector Banks (74.6 per cent). The C-D ratio of Nationalised Banks (73.5 per cent), and Regional Rural Banks (63.4 per cent) was lower than the all SCBs C-D ratio.
•    C-D ratio of All Scheduled Commercial Banks in Metropolitan Centres was noted to be the highest (87.2 per cent). It was followed distantly by Urban Centres (60.0 per cent) and Rural Centres (59.9 per cent). The Semi-Urban Centres recorded the lowest C-D ratio at 52.5 per cent.

Distribution of bank offices

•    The offices with deposits of Rs.10 crore or more, accounted for 70.0 per cent of the bank offices, 97.4 per cent in terms of aggregate deposits and 95.4 per cent in total bank credit. On the other hand offices which extended credit of Rs.10 crore or more accounted for 45.8 per cent in terms of total number of offices. These offices together accounted for 95.2 per cent of total bank credit whereas their share in aggregate deposits was 79.1 per cent.