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Changing Profile of Household Sector Creditand Deposits in Indian Banking System Deepak MathurNovember 30 2010 Indian Banking System.
Commercial Co operative banks Commercial 90 of system s assets 170 commercial banks 166 scheduled 85 000 branches 45 000 ATMs 35 000 centres out of 675 000 habitats.
660 mn deposit and 110 mn credit accounts Deposits Rs 48 trillion Credit Rs 35 trillion Employment 1 million Basic Statistical Returns.
Statutory and non statutory returns Basic Statistical Return BSR system Deposits Credit Employment Investments BSR 1 Credit annual branch level Two parts.
Large accounts Account level data on severalcharacteristics Small accounts Branch level purpose wise data Survey of small loan accounts Basic Statistical Returns.
BSR 2 Deposits annual branch level Broad ownership Type of deposits Term deposits maturity Interest rate BSR 4 sample survey annual branch level Composition and ownership pattern of deposits.
Economic sectors Government Private Corporate Financial Household and Foreign Sectors Detailed sub sectors Type of deposits Current Savings Term Other returns Investments Debits to Deposit and Creditaccounts etc .
Basic Statistical Returns BSR 4 Survey of ownership pf deposits Annual Sample survey Branch level data Stratified sampling State UT Populationgroup Bank group Size deposits .
Ratio Estimator Type of Deposit account Economic Sectors Household sector saving estimation Basic Statistical Returns.
Household sector data Credit and Deposits Individuals accounts Males Females Singly or jointly with other individuals.
Unincorporated bodies Partnerships Proprietary concerns Trusts associations clubs etc Household sector Credit and Deposits Deposits High growth rates.
16 2 1991 2009 17 3 2001 09 Though lower than overall deposit growth Largest constituent of depositor base Share 80 5 in 1991 67 2 in 2001About 58 in recent years.
Individuals 90 in 1991 and 80 in 2009 Household sector Credit and Deposits Credit High growth rates 16 6 1991 2009 21 5 2001 09 Though lower than overall credit growth.
A major constituent of borrower base Share 56 3 in 1991 47 in 2006 07 44 in 2008 and 39 in 2009 Number of accounts1991 59 mn 62 mn total .
2009 104 mn 110 mn total Household sector Credit and Deposits Credit Deposit Ratio Household sector consistently lower Household sector.
1991 43 2006 07 57 59 2009 47 Total credit 1991 62 2006 07 70 72 2009 71 Differential 13 20 percentage points Household sector Credit Purpose.
Personal loans Housing Consumer durables vehicles others All other loans productive sectors Share of Personal loans in total creditNumber of accounts 1991 27 2009 65 .
Amount outstanding 1991 13 2009 43 Personal loans Growth1991 2009 25 5 2001 09 39 5 Household sector Credit Purpose Large accounts 1996 2009 .
Agriculture 10 Industry 1996 2001 35 2006 09 20 Trade 10 Professionals 10 Housing 1996 6 2006 09 25 Small accounts 2001 06 .
Agriculture 30 Industry 4 Personal loans 40 Household sector Credit Cost Size Weighted average interest rate.
Large accounts 1996 2009 In alignment with overall rate for all sectors No direct relationship 60 to 80 bps difference Small accounts 2004 06 .
Housing loans and Agriculture loans at lower rates Average size of loan amountHousehold sector loans average about 34 ofall loan accounts average amount Household sector Credit Type of account.
Short term accounts Cash credits overdraftsand demand loans Long term loans Medium term loans and longterm loans Increase in Long term accounts.
Number 1996 69 2009 77 Amount 1996 42 2009 67 Personal loans term loans Household sector Deposits Type of accountType of account.
Demand deposits Current and savingsdeposits Term deposits Fixed maturity Term deposits major share though declining 1991 61 2006 51 2009 58 Individuals sub sector similar trend.
Household sector recent years higherproportion in CASA deposits Household sector Term deposits MaturityMaturity of term deposits Data for individuals sub sector.
Original maturity Maturity brackets 1 year 1 3 years and 3 years Two thirds of deposits below 3 years maturity Share of maturity below 1 year declined Average maturity about 2 4 years 1996 2009 .
for all sectors Higher 1 9 years in 2009 Summary observationsHousehold sector 1991 2009 Consistently high growth in deposits andcredit though lower than overall.
Major share in banking system Deposits 58 79 of which individuals Credit 39 Credit Deposit Ratio 47 Net saver provider of funds.
Summary observations Personal Loans High and rising share 65 accounts 43 amount Housing loans 56 of personal loans Industry declining share 20 .
Agriculture 10 Other services 10 Cost of credit Similar to all loans Size per account one third of total credit Long term loans Increasing share Summary observations.
Deposits 44 of current deposits with banks 85 of savings deposits 52 of term deposits Decline in share of term deposits in totaldeposits Higher proportion of current and.
savings deposits Term deposits average maturity highercompared to all sectors Thank you dmathur rbi org in.
Changing Profile of Household Sector Credit and Deposits in Indian Banking System-Deepak Mathur November 30, 2010 * * Indian Banking System Commercial & Co-operative banks Commercial – 90 % of system’s assets 170 commercial banks (166 scheduled) 85, 000 branches, 45,000 ATMs 35,000 centres out of 675,000 habitats 660 mn deposit and 110 mn credit accounts Deposits: Rs. 48 trillion Credit ...

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