Lok Sabha Question No. 3949 (UNSTARRED), answered on 2016-12-09
Subject: Operational Expenditure of Banks
Ministry: FINANCE
Asked by: P.R. SUNDARAM

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UNSTARRED QUESTION NO. 3949

TO BE ANSWERED ON THE 9 th  December, 2016/ Agrahayana 18, 1938 (SAKA)

## Operational Expenditure of Banks QUESTION

## 3949. SHRI P.R. SUNDARAM:

Will the Minister of FINANCE be pleased to state:

- (a) whether  the  Government  has  any  data  on  the  per  capita  expenditure  on running the banks in the country; and
- (b) if  so,  the  details  thereof  and  the  modalities  adopted  for  cost  cutting  in  this regard;
- (c) the  details  of  the  total  number  of  accounts  both  savings  and  current  at present in Public Sector Banks in the country, bank-wise; and
- (d) the  details  of  amount  of  transactions  made  in  both  savings  and  current accounts during the last three years, bank-wise?

## ANSWER

The Minister of State in the Ministry of Finance (SHRI SANTOSH KUMAR GANGWAR)

(a) to (d):  Reserve Bank of India (RBI) has informed that the ratio of Operating Cost to total number of employees and the ratio of Payments to and provisions Cost to total  number  of  employees for  bank groups, as submitted by SCBs to RBI are as under:-

|                            | Operating Cost per Employee   | Operating Cost per Employee   | Operating Cost per Employee   | Payments to and provisions Cost per Employee   | Payments to and provisions Cost per Employee   | Payments to and provisions Cost per Employee   |
|----------------------------|-------------------------------|-------------------------------|-------------------------------|------------------------------------------------|------------------------------------------------|------------------------------------------------|
| Bank Group                 | 2013-14                       | 2014-15                       | 2015-16                       | 2013-14                                        | 2014-15                                        | 2015-16                                        |
| Foreign Bank Group         | 0.62                          | 0.64                          | 0.87                          | 0.25                                           | 0.27                                           | 0.37                                           |
| Private Sector Banks       | 0.16                          | 0.17                          | 0.17                          | 0.07                                           | 0.07                                           | 0.07                                           |
| Public Sector Banks        | 0.15                          | 0.16                          | 0.17                          | 0.09                                           | 0.10                                           | 0.10                                           |
| Scheduled Commercial Banks | 0.16                          | 0.17                          | 0.18                          | 0.09                                           | 0.09                                           | 0.10                                           |

The  total  number  of  Current  Accounts  is  4,06,15,000  and  Saving  Accounts  is 88,38,92,000  with  Public  Sector  Banks  as  on  31.03.2015.  The  data  related  to transactions in deposit account is not maintained.

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