Nationalised banks have strengthened their market share in both deposits and credit in FY10. The SBI group and private sector banks have lost share in deposits while private banks have lost market share in credit as well.
In its latest quarterly statistics on deposits and credit of commercial banks in March 2010, RBI has noted that nationalised banks comprising the 20 government-owned banks (except the SBI Group) have improved their market share in deposits from 49.5% in FY09 to 51.5% in FY10.
The SBI Group and private banks have lost their respective market share in deposits from 24.1% to 22.5% and from 18.2% to 17.5%, respectively, during the period. Even foreign banks lost their market share from 5.2% to 5.9%. Regional rural banks, with a minuscule share managed to improve their market share marginally from 3-3.1%.
Nationalised banks have also gained share in loans (from 50.5% in FY09 to 52%, while the SBI group has retained its 23.1% market share.
Both private banks and foreign banks have lost their respective shared from 18.2% to 17.4% and from 5.9% to 4.9%, respectively. RRBs have improved their share marginally from 2.3% to 2.5%.
The top 100 centres, arranged according to the size of deposits and bank credit accounted for 69.4% and 78.0%, respectively. In March 2009, the corresponding share of top 100 centres in aggregate deposits and gross bank credit was 69.2% and 78.5%, respectively.
As for the other parameters, credit-deposit (C-D) ratio of all commercial banks stood at 72.7% as on March 2010. Among the states/union territories, the highest C-D ratio was observed in Chandigarh (131.7%) followed Tamil Nadu (112.6%) and Andhra Pradesh (105.1%).
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