337
INSTITUTIONAL FINANCE
25. INSTITUTIONAL FINANCE
25.1 BANKING DEVELOPMENT - KEY INDICATORS (Contd)
(At the end of March)
Indicators / Unit / 2004-05 / 2005-06Tamil Nadu / All India / Tamil Nadu / All India
1 / 2 / 3 / 4 / 5 / 6
1. Bank Offices / No. / 4846 / 68116 / 4880 / 68681
2. Population Served per
Bank Office / No. / 12877 / 15101 / 12788 / 14977
3. Aggregate Bank
Deposits / Rs. in Cr. / 110329 / 1753174 / 133418 / 2093042
4. Gross Bank Credit / Rs. in Cr. / 108605 / 1157807 / 141255 / 1517497
5. Credit Deposit Ratio / Percentage / 98.4 / 66.0 / 105.9 / 72.5
25.1 BANKING DEVELOPMENT - KEY INDICATORS (Concld.)
(At the end of March)
Indicators / Unit / 2006-07 / 2007-08Tamil Nadu / All India / Tamil Nadu / All India
1 / 2 / 7 / 8 / 9 / 10
1. Bank Offices / No. / 5070 / 70711 / 5441 / 74326
2. Population Served
per Bank Office* / No. / 12309 / 14547 / 11470 / 13839
3. Aggregate Bank
Deposits / Rs. in Cr. / 163166 / 2598823 / 199949 / 3228817
4. Gross Bank Credit / Rs. in Cr. / 183161 / 1949567 / 226830 / 2394566
5. Credit Deposit Ratio / Percentage / 112.2 / 75.0 / 113.4 / 74.2
* Based on 2001 Census
Source: Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks,
March 2008
25.2 NUMBER OF COMMERCIAL BANKS IN TAMIL NADU
Bank Group / 2007 / 2008New Branches / Bank Branches / New Branches / Bank Branches
1. State Bank of India and its Associates / 24 / 764 / 54 / 794
2. Nationalised Banks / 151 / 3140 / 203 / 3143
3. Other Scheduled Commercial Banks / - / - / 84 / 1232
4. Foreign Banks / 2 / 25 / - / 24
5. Regional Rural Banks / 1 / 223 / 30 / 248
6. Other Public Sector Banks ( IDBI Ltd ) / 83 / 1250 / - / -
Total / 261 / 5402 / 371 / 5441
Source: Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks,
March 2008
25.3 DEPOSITS OF SCHEDULED COMMERCIAL BANKS IN TAMIL NADU
Deposits / March 2006 / March 2007
No. of Accounts (‘000’) / Amount
(Rs. In lakhs) / No. of Accounts (‘000’) / Amount
(Rs. In lakhs)
1 / 2 / 3 / 4 / 5
Current / 20,96 / 16165,78 / 21,29 / 20797,96
Savings / 254,91 / 37572,09 / 288,13 / 47057,42
Term / 90,34 / 78961,96 / 95,06 / 94570,77
Total / 366,21 / 132699,83 / 404,48 / 162426,16
Source: Reserve Bank of India – Basic Statistical Returns of Scheduled
Commercial Banks in India – March 2007 - Volume 36
25.4 OPERATION OF COMMERCIAL BANKS IN TAMIL NADU 2007-08
(At the end of 31.3.2008)
(Rs. in Crores)
Bank Group / No. of Branch / Deposits / Advances / Invest-ments / C.D. Ratio1 / 2 / 3 / 4 / 5 / 6
SBI Group / 788 / 34729.47 / 49404.05 / 2082.85 / 142.25
Nationalised Banks / 3151 / 98981.22 / 97910.08 / 1201.36 / 98.92
Private Sector Banks / 1186 / 51684.97 / 59988.35 / 347.45 / 116.07
Regional Rural Banks / 251 / 1619.14 / 1658.90 / 325.75 / 102.46
Foreign Banks / 22 / 5328.98 / 20474.34 / 25.00 / 384.21
Grand Total / 5398 / 192343.78 / 229435.72 / 3982.41 / 119.28
Contd.
Bank Group / Cr. + Invest Dep. Ratio / Total P.S. Advances / % of PSA to Total Advances / Agri-advances / % of Agri. Advances to Total Advances
1 / 7 / 8 / 9 / 10 / 11
SBI Group / 148 / 18588.71 / 48.89 / 7115.64 / 18.71
Nationalised Banks / 100 / 43789.93 / 55.33 / 18731.18 / 23.67
Private Sector Banks / 117 / 18118.55 / 43.04 / 6063.93 / 14.41
Regional Rural Banks / 123 / 1492.26 / 110.68 / 797.49 / 59.15
Foreign Banks / 385 / 2882.38 / 24.08 / 13.50 / 0.11
Total / 121 / 84871.83 / 49.18 / 32721.74 / 18.96
Contd.
Bank Group / SSI / Total W.S. Advances / DRI Advances / SC/ST / SGSY1 / 12 / 13 / 14 / 15 / 16
SBI Group / 4468.59 / 5301.78 / 36.78 / 39.10 / 56.00
Nationalised Banks / 11781.55 / 8958.86 / 10.61 / 2858.72 / 383.08
Private Sector Banks / 4505.87 / 1370.03 / 2.06 / 31.94 / 5.61
Regional Rural Banks / 9.55 / 1130.99 / 0.00 / 415.52 / 38.86
Foreign Banks / 386.97 / 0.00 / 0.00 / 0.00 / 0.00
Total / 21152.53 / 16761.66 / 49.45 / 3345.28 / 483.55
Source: State Level Banker's Committee Tamil Nadu 114th Meeting Agenda Papers
25.5 NUMBER OF BANK OFFICES
Region / 2006-07 / 2007-08Tamil Nadu / All India / Tamil Nadu / All India
Rural / 1597 / 30461 / 1644 / 30732
Semi Urban / 1464 / 16035 / 1643 / 17212
Urban / 1130 / 12649 / 1222 / 13944
Metropolitan / 879 / 11566 / 932 / 12438
Total
/ 5070 / 70711 / 5441 / 74326Source: Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks –
March 2007 & 2008(RBI)
25.6 POPULATION SERVED PER BANK OFFICE
(in Numbers)
Year / Tamil Nadu / All India2001-02 / 13073 / 15496
2002-03 / 13140 / 15459
2003-04 / 13057 / 15335
2004-05 / 12877 / 15101
2005-06 / 12738 / 14982
2006-07 / 12309 / 14547
2007-08 / 11470 / 13839
Source: Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks –
March 2006, 2007 & 2008 (RBI)
25.7 PER BANK DEPOSITS – TAMIL NADU
( Rs. in Lakhs)
Region / 2006-07 / 2007-08Rural / 907.14 / 1150
Semi Urban / 2106.00 / 2285
Urban / 3479.29 / 3945
Metropolitan / 8934.13 / 10223
State / 3218.26 / 3675
Source: Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks –
March 2008 (RBI)
25.8 AGGREGATE BANK DEPOSITS
( Rs. in Crores)
Region
/ 2006-07 / 2007-08Tamil Nadu /
All India
/ Tamil Nadu /All India
Rural / 14487 / 258128 / 18911 / 303025Semi Urban / 30832 / 356827 / 37456 / 429377
Urban / 39316 / 531269 / 48214 / 657624
Metropolitan / 78531 / 1452599 / 95277 / 1838792
Total * / 163166 / 2598823 / 199949 / 3228817
* - Total may not be tallied due to rounded off figures
Source: Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks – March 2006, 2007 & 2008 (RBI)
25.9 BANKING DEVELOPMENT IN SELECT DISTRICTS 2007-08
Name of the District / Population Served per Bank Office / Per CapitaDeposits (Rs.) / Per Capita
Credit
(Rs.) / Credit Deposit Ratio CDR)
Percentage
1. / Chennai / 4661 / 219348 / 277730 / 126.62
2. / Kancheepuram / 11419 / 32306 / 14033 / 43.44
3. / Thiruvallur / 14273 / 19653 / 11391 / 57.96
4. / Cuddalore / 14840 / 12891 / 11547 / 89.58
5. / Villupuram / 18737 / 6242 / 6722 / 107.68
6. / Vellore / 16099 / 11175 / 8622 / 77.15
7. / Thiruvannamalai / 20431 / 6971 / 5933 / 85.10
8. / Salem / 15960 / 15830 / 17050 / 107.71
9. / Namakkal / 12656 / 17463 / 18213 / 104.29
10. / Dharmapuri & Krishnagiri / 17104 / 8325 / 9036 / 108.54
11. / Erode / 10939 / 20070 / 22994 / 114.57
12. / Coimbatore / 8578 / 45900 / 78462 / 170.94
13. / The Nilgiris / 9527 / 17910 / 13095 / 73.11
14. / Thiruchirappalli / 11248 / 25579 / 18554 / 72.53
15. / Karur / 10633 / 15710 / 19355 / 123.20
16. / Perambalur / 15924 / 11729 / 9541 / 81.35
17. / Pudukottai / 14596 / 8859 / 7132 / 80.51
18. / Thanjavur / 12736 / 15735 / 12923 / 82.13
19. / Nagapattinam / 15192 / 13863 / 8497 / 61.29
20. / Thiruvarur / 14618 / 10842 / 6379 / 58.83
21. / Madurai / 11161 / 26255 / 24839 / 94.61
22. / Theni / 13341 / 10046 / 14580 / 145.13
23. / Dindugul / 13082 / 12454 / 15143 / 121.59
24. / Ramanathapurm / 14308 / 10315 / 7839 / 76.00
25. / Virudunagar / 12877 / 16348 / 25632 / 156.79
26. / Sivagangai / 9097 / 17882 / 11174 / 62.49
27. / Thirunelveli / 12161 / 16296 / 11762 / 72.18
28. / Thoothukudi / 11072 / 19411 / 15099 / 77.79
29. / Kanniyakumari / 11559 / 19331 / 17154 / 88.73
30. / Ariyalur / 18303 / 4960 / 6326 / 127.54
TAMILNADU / 11470 / 32040 / 36348 / 113.45
Source: Quarterly Statistics on Deposits and Credits of Scheduled Commercial Banks, March 2008
25.10 GROSS BANK CREDIT
(Rs. in Crores)
Region / 2006-07 / 2007-08Tamil Nadu / All India / Tamil Nadu / All India
Rural / 13164 / 154785 / 16258 / 183097
Semi Urban / 24584 / 189783 / 30577 / 230629
Urban / 46574 / 316166 / 59379 / 383576
Metropolitan / 98839 / 1288833 / 120636 / 1597263
Total * / 183161 / 1949567 / 226830 / 2394566
* - Total may not be tallied due to rounded off figures
Source: Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks –
March 2008 (RBI)
25.11 CREDIT PER BANK BRANCH - TAMIL NADU
(Rs. in Lakhs)
Region / 2006-07 / 2007-08Rural / 824 / 989
Semi Urban / 1679 / 1860
Urban / 4122 / 3945
Metropolitan / 11244 / 10223
State / 3613 / 4169
Source: Qty Statistics on Deposits and Credits of Scheduled Comml. Banks – March 2008 (RBI)
25.12 CREDIT-DEPOSIT RATIO
(Percentage)
Region / 2006-07 / 2007-08Tamil Nadu / All India / Tamil Nadu / All India
Rural / 90.9 / 60.0 / 85.9 / 60.4
Semi Urban / 79.7 / 53.2 / 81.4 / 53.7
Urban / 118.5 / 59.5 / 123.2 / 58.3
Metropolitan / 125.9 / 88.7 / 126.6 / 86.9
State / 112.3 / 75.0 / 113.4 / 74.2
Source: Quarterly Statistics on Deposits and Credits of Scheduled Commercial Banks
March 2008 (RBI)
25.13 TREND OF BANKING DEVELOPMENT IN TAMIL NADU
(Rs. in Lakhs)
Year / Number of Bank Offices / Aggregate Deposits / Gross Bank Credit / Credit Deposit Ratio(Percentage)
1994-95 / 4516
(1.3) / 2556879
(17.9) / 2470610
(31.3) / 97
1995-96 / 4587
(1.6) / 2970599
(16.2) / 2954027
(19.6) / 99
1996-97 / 4642
(1.2) / 3397056
(14.4) / 3279891
(11.0) / 99
1997-98 / 4697
(1.3) / 4055903
(19.4) / 3693144
(12.6) / 97
1998-99 / 4906
(4.4) / 4614525
(13.8) / 4290899
(16.2) / 93
1999-00 / 4931
(0.5) / 5594317
(21.2) / 4922967
(14.7) / 88
2000-01 / 4776
(-3.1) / 6348762
(13.5) / 5751804
(16.8) / 91.6
2001-02 / 4751
(-0.5) / 7464154
(17.6) / 6291374
(9.4) / 84.0
2002-03 / 4727
(-0.5) / 8571634
(14.8) / 7415707
(17.9) / 86.5
2003-04
(Rs. in crores) / 4757
(0.6) / 98873
(13.3) / 88622
(16.3) / 89.63
2004-05
(Rs. in crores) / 4846
(1.9) / 110329
(11.6) / 108605
(22.5) / 98.40
2005-06
(Rs. in crores) / 4880
(1.1) / 133418
(13.8) / 141255
(21.5) / 105.87
2006-07
(Rs. in crores) / 5070
(3.9) / 163166
(22.2) / 183161
(29.7) / 112.25
2007-08
(Rs. in crores) / 5441
(7.3) / 199949
(22.5) / 226830
(23.8) / 113.40
(Figures in brackets indicate percentage change over the previous year)
Source: Quarterly Statistics on Deposits & Credits of Scheduled Commercial Banks -March-2008 (RBI)
25.14 OPERATION OF COMMERCIAL BANKS BY DISTRICTS 2007-08
(Rs. in Crores)
District / No. of Branches / DepositsRural / S. Urban / Urban / Metropolitan / Total
1 / 2 / 3 / 4 / 5 / 6 / 7
1. / Chennai / 0 / 0 / 0 / 915 / 915 / 92219.85
2. / Kancheepuram / 79 / 54 / 107 / 0 / 240 / 8464.49
3. / Thiruvallur / 61 / 48 / 61 / 0 / 170 / 5076.75
4. / Cuddalore / 58 / 60 / 42 / 0 / 160 / 2842.43
5. / Villupuram / 107 / 48 / 0 / 0 / 155 / 2158.37
6. / Vellore / 92 / 73 / 46 / 0 / 211 / 3810.43
7. / Thiruvannamalai / 54 / 31 / 17 / 0 / 102 / 1510.80
8. / Salem / 60 / 42 / 88 / 0 / 190 / 4611.21
9. / Namakkal / 54 / 65 / 0 / 0 / 119 / 2319.67
10. / Dharmapuri / 42 / 32 / 0 / 0 / 74 / 833.33
11. / Krishnagiri / 49 / 49 / 0 / 0 / 98 / 1593.30
12. / Erode / 101 / 88 / 65 / 0 / 254 / 5215.83
13. / Coimbatore / 84 / 118 / 257 / 0 / 459 / 18110.52
14. / The Nilgiris / 19 / 63 / 0 / 0 / 82 / 1349.82
15. / Tiruchirappalli / 60 / 49 / 99 / 0 / 208 / 5903.67
16. / Karur / 42 / 52 / 0 / 0 / 94 / 1415.10
17. / Ariyalur / 21 / 10 / 0 / 0 / 31 / 187.47
18. / Perambalur / 24 / 6 / 0 / 0 / 30 / 556.60
19. / Pudukottai / 72 / 24 / 0 / 0 / 96 / 1266.04
20. / Thanjavur / 65 / 48 / 66 / 0 / 179 / 3492.85
21. / Nagapattinam / 55 / 43 / 0 / 0 / 98 / 1879.29
22. / Thiruvarur / 41 / 39 / 0 / 0 / 80 / 1258.47
23. / Madurai / 68 / 37 / 135 / 0 / 240 / 6652.87
24. / Theni / 24 / 64 / 0 / 0 / 88 / 1072.77
25. / Dindigul / 77 / 39 / 41 / 0 / 157 / 2374.68
26. / Ramanathapuram / 48 / 37 / 0 / 0 / 85 / 1226.67
27. / Virudhunagar / 56 / 55 / 20 / 0 / 131 / 2827.18
28. / Sivagangai / 61 / 67 / 0 / 0 / 128 / 2045.89
29. / Tirunelveli / 84 / 69 / 69 / 0 / 222 / 4431.86
30. / Thoothukudi / 52 / 43 / 48 / 0 / 143 / 2841.43
31. / Kanyakumari / 20 / 88 / 51 / 0 / 159 / 2794.14
Grand Total / 1730 / 1541 / 1212 / 915 / 5398 / 192343.78
25.14 OPERATION OF COMMERCIAL BANKS BY DISTRICTS 2007-08 (Contd.)
(Rs. in Crores)
District / Advances / CDR / TotalPSA / % of PSA to Total Advance / Agriculture Advance
1 / 8 / 9 / 10 / 11 / 12
1. / Chennai / 121258.23 / 131 / 24534.76 / 27.69 / 5468.85
2. / Kancheepuram / 5139.37 / 61 / 2956.30 / 86.10 / 709.92
3. / Thiruvallur / 2984.47 / 59 / 1876.79 / 72.01 / 576.75
4. / Cuddalore / 2743.36 / 97 / 1630.16 / 80.23 / 1114.05
5. / Villupuram / 2177.13 / 101 / 1663.26 / 104.07 / 1246.67