Friday, November 22, 2013

RBI releases “Statistical Tables Relating to Banks in India"

The Reserve Bank of India today released the Statistical Tables Relating to Banks in India 2012-13 – an annual publication that provides key information on banks.

The publication provides 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 that include aggregate deposits, liabilities to the banking system, assets with the banking system, investments, bank credit, and sector-wise and industry-wise gross bank credit.
The analysis based on the data presented in the publication shows that:

  • Credit-Deposit ratio of all scheduled commercial banks (SCBs) at the aggregate level increased in 2012-13.
  • Ratio of demand and savings bank deposits to total deposits of all SCBs at the aggregate level declined marginally in 2012-13.
  • Net interest margin (NIM) for all SCBs declined marginally during 2012-13. At the bank group level, NIM of “New Private Sector Banks” increased, remained unchanged for “Foreign Banks” and declined for rest of the bank-groups in 2012-13.
  • Profitability in terms of return on assets (RoA) of all SCBs at the aggregate level declined marginally during 2012-13. At the bank group level, RoA declined in respect of “Public Sector Banks” while all other bank groups witnessed an increase in RoA during 2012-13.
  • Cost of funds increased for all the bank-groups in 2012-13. At the same time, return on advances declined for all bank-groups except “Private Sector Banks”.
  • Return on investments adjusted to cost of funds declined in 2012-13 in all the bank-groups.


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