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REGULATING COMMERCIAL BANKING

Banks are fundamental to the nation's financial system. The central bank has a critical role to play in ensuring the safety and soundness of the banking system-and in maintaining financial stability and public confidence in this system.

Press Release


PDF document (394 kb)
Date : Jun 13, 2024
Scheduled Banks’ Statement of Position in India as on Friday, May 31, 2024
(Amount in ₹ crore)
  SCHEDULED COMMERCIAL BANKS
(Including RRBs, SFBs and PBs)
ALL SCHEDULED BANKS
2-Jun-23 17-MAY-2024* 31-MAY-2024* 2-Jun-23 17-MAY-2024* 31-MAY-2024*
I LIABILITIES TO THE BKG.SYSTEM (A)            
  a) Demand & Time deposits from banks 249775.87 289665.6 283876.16 252304.65 293548.32 287722.30 **
  b) Borrowings from banks 34758.63 162652.29 162542.44 34820.26 162655.65 162582.13
  c) Other demand & time liabilities 60062.35 74638.61 76467.45 60726.23 74865.41 76890.82
II LIABILITIES TO OTHERS (A)            
  a) Deposits (other than from banks) 18703434.6 20814780.09
(20715332.31)
21087595.54
(20992416.71)
19143125.25 21273554.73
(21174106.95)
21545011.17
(21449832.34)
  i) Demand 2183563.02 2407754.19 2506347.35 2229000.57 2457253.74 2556333.97
  ii) Time 16519871.58 18407025.92 18581248.13 16914124.68 18816301 18988677.15
  b) Borrowings @ 482574.37 775774.36 738924.83 487249.56 779950.71 743310.04
  c) Other demand & time liabilities 817390.54 911191.58 966539.11 830244.04 922276.23 979915.48
III BORROWINGS FROM R.B.I. (B) 20814.82 161708 71305 20814.82 161708 71305
  Against usance bills and / or prom. Notes            
IV CASH 119890.03 84024.9 90920.76 122841.25 86536.68 93300.76
V BALANCES WITH R.B.I. (B) 852242.95 950566.88 951109.29 872807.22 970617.66 971104.62
VI ASSETS WITH BANKING SYSTEM            
  a) Balances with other banks            
  i) In current accounts 10036.03 9326.29 8146.33 14671.31 11633.98 10789.85
  ii) In other accounts 189717.31 179256.38 178309.9 228038.12 225179.01 223963.68
  b) Money at call & short notice 27269.62 14392.25 12547.72 44284.56 31978.36 27404.93
  c) Advances to banks (i.e. due from bks.) 23741.49 55883.8 51408.47 26194.55 58023.79 53561.03 £
  d) Other assets 75941.74 119988.68 115891.26 79169.06 122833.25 118605.6
VII INVESTMENTS (At book value) 5607752.36 6199638.2
(6114242.09)
6183260.59
(6098378.31)
5753005.55 6352519.17
(6267123.06)
6335709.53
(6250827.25)
  a) Central & State Govt. securities+ 5606937.97 6198671.92 6182231.31 5746986.54 6344840.39 6327933.09
  b) Other approved securities 814.39 966.27 1029.27 6019.01 7678.77 7776.42
VIII BANK CREDIT (Excluding Inter-Bank Advances) 14009695 16601013.83
(16086355.77)
16781420.55
(16270341.95)
14413588.8 17036182.09
(16521524.03)
17217567.75
(16706489.15)
  a) Loans, cash credits & Overdrafts $ 13752604.79 16288503.22 16467926.91 14153511.93 16720357.07 16900730.31
  b) Inland Bills purchased 42822.8 63646.65 64366.88 42837.93 63651.18 64372.03
  c) Inland Bills discounted 170702.77 207787.08 208274.27 173058.16 210442.26 210953.05
  d) Foreign Bills purchased 17633.29 16651.15 16127.01 17812.3 16875.72 16347.72
  e) Foreign Bills discounted 25931.35 24425.73 24725.41 26368.48 24855.87 25164.55
NOTE
* Provisional figures incorporated in respect of those banks who have not been able to submit final figures.
(A) Demand and Time Liabilities do not include borrowings of any Scheduled State Co-operative Bank from State Government and any reserve fund deposits maintained with such banks by any co-operative society within the areas of operation of such banks.
** This excludes deposits of Co-operative Banks with Scheduled State Co-operative Banks. These are included under item II (a).
@ Other than from Reserve Bank, National Bank for Agriculture and Rural Development and Export Import Bank of India.
(B) The figures relating to Scheduled Commercial Banks' Borrowings in India from Reserve Bank and balances with Reserve Bank are those shown in the statement of affairs of the Reserve Bank. Borrowings against usance bills and/ or promissory notes are under Section 17(4)(c) of the Reserve Bank of India Act, 1934. Following a change in the accounting practice for LAF transactions with effect from July 11, 2014, as per the recommendations of Malegam Committee formed to Review the Format of Balance Sheet and the Profit and Loss Account of the Bank, the transactions in case of Repo / Term Repo / MSF are reflected under "Borrowings from RBI".
£ This excludes advances granted by Scheduled State Co-operative Banks to Co-operative banks. These are included under item VIII (a).
+ Includes Treasury Bills, Treasury Deposits, Treasury Savings Certificates and postal obligations.
$ Includes advances granted by Scheduled Commercial Banks and State Co-operative Banks to Public Food Procurement Agencies (viz. Food Corporation of India, State Government and their agencies under the Food consortium).
()

(i) Data since July 14, 2023 include the impact of the merger of a non-bank with a bank.
(ii) Figures in parentheses exclude the impact of the merger.


Food Credit Outstanding as on
(Amount in ₹ crore)
Date 2-Jun-23 17-May-24 31-May-24
Scheduled Commercial Banks 36753.33 41273.49 40258.89
Scheduled Co-operative Banks 51971.79 53813.09 50623.09

The expression ' Banking System ' or ' Banks ' means the banks and any other financial institution referred to in sub-clauses (i) to (vi) of clause (d) of the explanation below Section 42(1) of the Reserve Bank of India Act, 1934.

No. of Scheduled Commercial Banks as on Current Fortnight:135

Ajit Prasad          
Deputy General Manager
(Communications)    

Press Release: 2024-2025/490


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