What are the major changes observed in the pattern of savings, fixed deposits, loan taking, etc, over a period of time?

The interest rates have generally gone up in the financial system (barring the last six months when policy rates have been cut aggressively to combat the economic slowdown). As a result, there has been an increasing preference of our customers towards the term deposits which provides better return to depositors. Between March 2005 and March 2009, the share of term deposits in total deposits of the bank has gone up from 56.9% to 62.2%. The share of savings and current deposits has correspondingly gone down, although in quantitative terms, even CASA deposits have grown by over 80% between March 2005 and March 2009. Likewise in case of advances, over the last few years there has been substantial upscaling of advances in commercial and institutional (C&I) segment particularly by financing of infrastructure sector projects. Accordingly, the proportionate share of C&I segment in total advances has gone up from 36.1% in March 2005 to about 50.4% in March 2009. The share of personal segment and small scale industries has correspondingly gone down, although in quantitative terms advances to these segments too have gone up significantly over the last few years.