Thread by @jainmayank_943

Total outstanding bank deposits (as of 31 Mar'18) ~$1.7T (~70% of GDP)

Total outstanding bank credit (as of 31 Mar'18) ~$1.2T (~50% of GDP)

Credit-to-Deposit ratio ~75%
[with 23.5% to be mandatorily reserved per RBI in form of SLR (19.5%) and CRR (4%)]
#banking #india

Split of ~$1.7T deposit by source:

1. Term deposits /FD ~60%

2. Savings Ac ~30%

3. Current Ac ~10%
#banking #india

Net Cost of borrowing ~5%

1. Cost of Term deposits /FD ~6.5%

2. Cost of Savings Ac ~4%

3. Cost of Current Ac ~0%
#banking #india

Split of ~$1.7T deposits by region:

1. Metros ~55%

2. Urban ~20%

3. Semi Urban ~15%

4. Rural ~10%

Goes on to say how under penetrated banking is as you go away from metros.
#banking #india

Split of ~$1.2T bank credit by category:

1. Consumer ~25%

2. Industry ~35%

3. Services ~27%

4. Agriculture ~13%
#banking #india

Split of ~$0.3T Consumer bank credit:

1. Housing loans ~50%

2. Vehicle loans ~10%

3. Education loans ~5%

4. CC loans ~4%

5. Loans against FD ~4%

6. Others ~27%
(includes gold loans, loans against property)
#banking #india

Gross Interest for bank across ~9-10%

1. Housing loans ~8.5-9%

2. Vehicle loans ~10-12%

3. Education loans ~10-12%

4. CC loans ~35% (post interest free period)

5. Loans against FD ~8.5%
#banking #india

$1.7T bank deposits by bank type:

1. Public banks ~70%

2. Private banks ~23%

3. Foreign banks ~4%

4. Others ~3%
[regional rural and small finance banks]

$1.7T bank deposits by depositor type:

1. Households ~63%
[incl. proprietorship /partnership entities]

2. Public sector ~15%

3. Private sector ~15%

4. Foreign entities ~7%