B1. Liabilities and Assets of Scheduled Commercial Banks: 2002 and 2003 (Part 2 of 10) - ಆರ್ಬಿಐ - Reserve Bank of India
B1. Liabilities and Assets of Scheduled Commercial Banks: 2002 and 2003 (Part 2 of 10)
(Amount in Rs. lakh) | ||||||
As on March 31 | ||||||
Items | Allahabad Bank | Andhra Bank | Bank of Baroda | |||
2002 | 2003 | 2002 | 2003 | 2002 | 2003 | |
(1) | (2) | (3) | (4) | (5) | (6) | |
1. Capital | 24670 | 34670 | 45000 | 40000 | 29434 | 29434 |
(1.0) | (1.2) | (2.1) | (1.6) | (0.4) | (0.4) | |
2. Reserves and Surplus | 73386 | 82359 | 43385 | 71543 | 353342 | 409263 |
(3.0) | (2.9) | (2.1) | (2.9) | (5.0) | (5.4) | |
2.1. Statutory Reserves | 21489 | 25639 | 20117 | 30192 | 80397 | 99717 |
2.2. Capital Reserves | 23475 | 23213 | 245 | 303 | 43757 | 43327 |
2.3. Share Premium | - | - | - | 19352 | 73733 | 73735 |
2.4. Investments Fluctuations Reserves | 4147 | 12381 | 5979 | 20194 | 25684 | 56754 |
2.5. Revenue and other Reserves | 22211 | 19190 | 17042 | 1482 | 129771 | 135730 |
2.6. Balance of Profit | 2065 | 1937 | 2 | 20 | - | - |
3. Deposits | 2266594 | 2546338 | 1849077 | 2106185 | 6180446 | 6636637 |
(91.5) | (90.8) | (88.3) | (85.3) | (87.2) | (86.8) | |
Type-wise | ||||||
3A.1. Demand deposits | 187160 | 226763 | 139523 | 160538 | 632800 | 596544 |
(i) From banks | 5250 | 7495 | 1785 | 1686 | 44052 | 55101 |
(ii) From others | 181910 | 219267 | 137738 | 158852 | 588748 | 541444 |
3A.2. Savings bank deposits | 770060 | 872518 | 384042 | 482424 | 1404707 | 1641942 |
3A.3. Term deposits | 1309374 | 1447058 | 1325512 | 1463222 | 4142939 | 4398150 |
(i) From banks | 86344 | 69909 | 16977 | 9974 | 364301 | 219654 |
(ii) From others | 1223030 | 1377148 | 1308535 | 1453248 | 3778638 | 4178496 |
Location-wise | ||||||
3B.1. Deposits of branches in India | 2266594 | 2546338 | 1849077 | 2106185 | 5453212 | 5940053 |
3B.2. Deposits of branches outside India | - | - | - | - | 727234 | 696583 |
4. Borrowings | 6057 | 4369 | 21904 | 99063 | 69265 | 62533 |
(0.2) | (0.2) | (1.0) | (4.0) | (1.0) | (0.8) | |
4.1. Borrowings in India | 6057 | 4369 | 20856 | 88616 | 69265 | 62533 |
(i) From Reserve Bank of India | - | - | - | - | 14000 | - |
(ii) From other banks | - | - | 1927 | 13439 | 16654 | 1226 |
(iii) From other institutions and agencies | 6057 | 4369 | 18929 | 75177 | 38611 | 61307 |
4.2. Borrowings outside India | - | - | 1048 | 10447 | - | - |
Secured borrowing included in 4. | - | - | - | - | - | 61307 |
5. Other liabilities | 105740 | 137355 | 134359 | 151045 | 458520 | 503917 |
(4.3) | (4.9) | (6.4) | (6.1) | (6.5) | (6.6) | |
5.1. Bills Payable | 27034 | 25302 | 47275 | 48114 | 100417 | 125577 |
5.2. Inter-office adjustments | - | - | - | - | - | - |
5.3. Interest accrued | 9218 | 13003 | 6899 | 7097 | 49374 | 32721 |
5.4. Others (including provisions) | 69487 | 99051 | 80185 | 95834 | 308729 | 345619 |
Total Liabilities | 2476446 | 2805092 | 2093725 | 2467836 | 7091007 | 7641785 |
(100.0) | (100.0) | (100.0) | (100.0) | (100.0) | (100.0) |
(Amount in Rs. lakh) | ||||||
As on March 31 | ||||||
Items | Allahabad Bank | Andhra Bank | Bank of Baroda | |||
2002 | 2003 | 2002 | 2003 | 2002 | 2003 | |
(1) | (2) | (3) | (4) | (5) | (6) | |
1. Cash in hand | 18347 | 22535 | 19497 | 22780 | 32835 | 41789 |
(0.7) | (0.8) | (0.9) | (0.9) | (0.5) | (0.5) | |
2. Balances with RBI | 148356 | 132041 | 107860 | 106437 | 225272 | 304794 |
(6.0) | (4.7) | (5.2) | (4.3) | (3.2) | (4.0) | |
3. Balances with banks in India | 48131 | 41903 | 25002 | 22015 | 136644 | 55054 |
(1.9) | (1.5) | (1.2) | (0.9) | (1.9) | (0.7) | |
4. Money at call and short notice | - | 4502 | 3535 | 13500 | 329692 | 214869 |
- | (0.2) | (0.2) | (0.5) | (4.6) | (2.8) | |
5. Balances with banks outside India | 6515 | - | 14249 | 2542 | 170298 | 65205 |
(0.3) | - | (0.7) | (0.1) | (2.4) | (0.9) | |
6. Investments | 1035803 | 1237172 | 841926 | 1051765 | 2383313 | 3017938 |
(41.8) | (44.1) | (40.2) | (42.6) | (33.6) | (39.5) | |
6.1. Investments in India | 1035803 | 1237172 | 841926 | 1051765 | 2188670 | 2837733 |
(i) Government securities | 802991 | 945787 | 715872 | 888120 | 1432745 | 2134849 |
(ii)Other approved securities | 68941 | 54556 | 25433 | 21472 | 159642 | 146035 |
(iii) Shares | 9670 | 5375 | 5823 | 5952 | 33187 | 41208 |
(iv) Debentures and Bonds | 139093 | 172136 | 73102 | 89546 | 383427 | 440007 |
(v) Subsidiaries and/or joint ventures | 5165 | 5483 | 1559 | 931 | 21514 | 23600 |
(vi) Others | 9942 | 53835 | 20137 | 45744 | 158155 | 52034 |
6.2. Investments outside India | - | - | - | - | 194643 | 180205 |
(i) Government securities | - | - | - | - | 103448 | 68012 |
(ii) Subsidiaries and/or joint ventures | - | - | - | - | 13269 | 13093 |
(iii) Others | - | - | - | - | 77926 | 99101 |
7. Advances | 1099250 | 1254360 | 967772 | 1151294 | 3366299 | 3534808 |
(44.4) | (44.7) | (46.2) | (46.7) | (47.5) | (46.3) | |
Type-wise | ||||||
7A.1. Bills purchased and discounted | 47597 | 46412 | 88964 | 80820 | 200223 | 233865 |
7A.2. Cash credits, overdrafts & loans | 585337 | 614633 | 542089 | 599606 | 1960152 | 1953656 |
7A.3. Term loans | 466316 | 593315 | 336719 | 470868 | 1205924 | 1347286 |
Security-wise | ||||||
7B.1. Secured by tangible assets | 810464 | 939954 | 799089 | 972042 | 2832636 | 2911265 |
7B.2. Covered by Bank/ Government Guarantees | 116650 | 172201 | 37223 | 39775 | 158071 | 177684 |
7B.3. Unsecured | 172136 | 142205 | 131460 | 139477 | 375592 | 445859 |
Sector-wise | ||||||
7C. I. Advances in India | 1099250 | 1254360 | 967772 | 1151294 | 2811549 | 2891414 |
(i) Priority sectors | 460649 | 535330 | 329600 | 459403 | 767573 | 917621 |
(ii) Public sectors | 232060 | 182534 | 141930 | 124922 | 578476 | 515983 |
(iii) Banks | 1332 | 1914 | - | - | 50301 | 52955 |
(iv) Others | 405209 | 534582 | 496242 | 566969 | 1415199 | 1404855 |
7C.II. Advances outside India | - | - | - | - | 554750 | 643394 |
8. Fixed Assets | 36813 | 35762 | 10854 | 16810 | 69238 | 69732 |
(1.5) | (1.3) | (0.5) | (0.7) | (1.0) | (0.9) | |
8.1. Premises | 26151 | 26220 | 2590 | 3931 | 50879 | 53536 |
8.2. Fixed assets under construction | - | - | - | - | - | - |
8.2. Other Fixed assets | 10662 | 9542 | 8264 | 12880 | 18359 | 16196 |
9. Other Assets | 83232 | 76816 | 103030 | 80693 | 377416 | 337596 |
(3.4) | (2.7) | (4.9) | (3.3) | (5.3) | (4.4) | |
9.1. Inter - office adjustments (net) | 8768 | 15751 | 29522 | 7268 | 95381 | 57819 |
9.2. Interest accrued | 35261 | 35325 | 31088 | 31472 | 98957 | 98201 |
9.3. Tax paid | 15592 | 9648 | 11347 | 14303 | 84684 | 83714 |
9.4. Stationery and Stamps | 506 | 631 | 452 | 443 | 429 | 382 |
9.5. Others | 23105 | 15461 | 30621 | 27206 | 97965 | 97481 |
Total Assets | 2476446 | 2805092 | 2093725 | 2467836 | 7091007 | 7641785 |
(100.0) | (100.0) | (100.0) | (100.0) | (100.0) | (100.0) |
(Amount in Rs. lakh) | ||||||
As on March 31 | ||||||
Items | Bank of India | Bank of Maharashtra | Canara Bank | |||
2002 | 2003 | 2002 | 2003 | 2002 | 2003 | |
(7) | (8) | (9) | (10) | (11) | (12) | |
1. Capital | 48808 | 48814 | 33052 | 33052 | 57787 | 41000 |
(0.7) | (0.6) | (1.5) | (1.3) | (0.8) | (0.5) | |
2. Reserves and Surplus | 235697 | 305264 | 36721 | 64975 | 289363 | 373883 |
(3.4) | (4.0) | (1.7) | (2.6) | (4.0) | (4.6) | |
2.1. Statutory Reserves | 98017 | 120017 | 9561 | 15112 | 83800 | 109300 |
2.2. Capital Reserves | 20257 | 25121 | 91 | 238 | 23635 | 23247 |
2.3. Share Premium | 52351 | 52353 | - | - | - | 27500 |
2.4. Investments Fluctuations Reserves | 24176 | 34176 | 7266 | 18375 | 16915 | 46815 |
2.5. Revenue and other Reserves | 40896 | 73597 | 19803 | 31250 | 165013 | 167021 |
2.6. Balance of Profit | - | - | - | 1 | - | - |
3. Deposits | 5971060 | 6445360 | 1913063 | 2217575 | 6403001 | 7209482 |
(85.5) | (84.1) | (89.1) | (89.0) | (88.7) | (87.9) | |
Type-wise | ||||||
3A.1. Demand deposits | 719362 | 567346 | 194219 | 191275 | 714823 | 783736 |
(i) From banks | 17612 | 18821 | 2662 | 3330 | 48451 | 10305 |
(ii) From others | 701750 | 548525 | 191557 | 187946 | 666372 | 773431 |
3A.2. Savings bank deposits | 1288476 | 1499962 | 464468 | 527681 | 1451146 | 1725983 |
3A.3. Term deposits | 3963222 | 4378051 | 1254376 | 1498619 | 4237032 | 4699763 |
(i) From banks | 286511 | 207916 | 28053 | 47110 | 133252 | 61360 |
(ii) From others | 3676711 | 4170135 | 1226323 | 1451509 | 4103780 | 4638403 |
Location-wise | ||||||
3B.1. Deposits of branches in India | 4923560 | 5402966 | 1913063 | 2217575 | 6248593 | 7081771 |
3B.2. Deposits of branches outside India | 1047500 | 1042394 | - | - | 154408 | 127711 |
4. Borrowings | 334771 | 402693 | 40276 | 31482 | 159363 | 9382 |
(4.8) | (5.3) | (1.9) | (1.3) | (2.2) | (0.1) | |
4.1. Borrowings in India | 184047 | 130463 | 33399 | 30387 | 151740 | 3832 |
(i) From Reserve Bank of India | 23494 | - | 10067 | - | - | - |
(ii) From other banks | 109291 | 83164 | 71 | 17 | - | 480 |
(iii) From other institutions and agencies | 51262 | 47299 | 23261 | 30370 | 151740 | 3352 |
4.2. Borrowings outside India | 150724 | 272230 | 6877 | 1095 | 7623 | 5550 |
Secured borrowing included in 4. | - | - | - | - | - | - |
5. Other liabilities | 390249 | 460547 | 123933 | 145234 | 311624 | 571746 |
(5.6) | (6.0) | (5.8) | (5.8) | (4.3) | (7.0) | |
5.1. Bills Payable | 85397 | 86643 | 39392 | 42051 | 111631 | 160719 |
5.2. Inter-office adjustments | 17037 | 14638 | - | - | - | - |
5.3. Interest accrued | 18580 | 22617 | 9018 | 10495 | 7468 | 6863 |
5.4. Others (including provisions) | 269235 | 336649 | 75523 | 92688 | 192525 | 404164 |
Total Liabilities | 6980585 | 7662677 | 2147045 | 2492318 | 7221138 | 8205493 |
(100.0) | (100.0) | (100.0) | (100.0) | (100.0) | (100.0) |
(Amount in Rs. lakh) | ||||||
As on March 31 | ||||||
Items | Bank of India | Bank of Maharashtra | Canara Bank | |||
2002 | 2003 | 2002 | 2003 | 2002 | 2003 | |
(7) | (8) | (9) | (10) | (11) | (12) | |
1. Cash in hand | 19368 | 21904 | 16473 | 17203 | 49552 | 47462 |
(0.3) | (0.3) | (0.8) | (0.7) | (0.7) | (0.6) | |
2. Balances with RBI | 343848 | 313075 | 147355 | 175368 | 736434 | 513290 |
(4.9) | (4.1) | (6.9) | (7.0) | (10.2) | (6.3) | |
3. Balances with banks in India | 89988 | 251554 | 31690 | 46962 | 93066 | 58902 |
(1.3) | (3.3) | (1.5) | (1.9) | (1.3) | (0.7) | |
4. Money at call and short notice | 51537 | 76178 | - | - | 59276 | 36500 |
(0.7) | (1.0) | - | - | (0.8) | (0.4) | |
5. Balances with banks outside India | 155782 | 37083 | 14722 | 14201 | 311442 | 113562 |
(2.2) | (0.5) | (0.7) | (0.6) | (4.3) | (1.4) | |
6. Investments | 2208353 | 2443484 | 990919 | 1180153 | 2322010 | 3045824 |
(31.6) | (31.9) | (46.2) | (47.4) | (32.2) | (37.1) | |
6.1. Investments in India | 1674658 | 1811645 | 990919 | 1180153 | 2269345 | 2993804 |
(i) Government securities | 1353587 | 1484262 | 813443 | 1018164 | 1657203 | 2330729 |
(ii)Other approved securities | 99169 | 92600 | 31073 | 23405 | 124644 | 86485 |
(iii) Shares | 23137 | 18231 | 6024 | 5787 | 23646 | 22107 |
(iv) Debentures and Bonds | 168840 | 184501 | 121127 | 116120 | 421460 | 497488 |
(v) Subsidiaries and/or joint ventures | 17315 | 18079 | 1090 | 1090 | 13224 | 13224 |
(vi) Others | 12610 | 13973 | 18162 | 15587 | 29168 | 43771 |
6.2. Investments outside India | 533695 | 631839 | - | - | 52665 | 52021 |
(i) Government securities | 139601 | 137491 | - | - | - | - |
(ii) Subsidiaries and/or joint ventures | 469 | - | - | - | 2526 | 2526 |
(iii) Others | 393625 | 494348 | - | - | 50139 | 49494 |
7. Advances | 3831078 | 4263318 | 825512 | 950814 | 3312671 | 4047160 |
(54.9) | (55.6) | (38.4) | (38.1) | (45.9) | (49.3) | |
Type-wise | ||||||
7A.1. Bills purchased and discounted | 331765 | 360857 | 36571 | 38883 | 298729 | 349391 |
7A.2. Cash credits, overdrafts & loans | 1931055 | 2375283 | 435481 | 462525 | 1984943 | 2354644 |
7A.3. Term loans | 1568258 | 1527178 | 353460 | 449406 | 1028999 | 1343125 |
Security-wise | ||||||
7B.1. Secured by tangible assets | 2513461 | 2721630 | 677304 | 713959 | 2182632 | 3217754 |
7B.2. Covered by Bank/ Government Guarantees | 606331 | 618722 | 5603 | 632 | 631148 | 257888 |
7B.3. Unsecured | 711286 | 922966 | 142605 | 236223 | 498891 | 571518 |
Sector-wise | ||||||
7C. I. Advances in India | 2853135 | 3140746 | 825512 | 950814 | 3241092 | 3990571 |
(i) Priority sectors | 918140 | 1115257 | 292246 | 340343 | 928760 | 1217017 |
(ii) Public sectors | 466124 | 481224 | 225709 | 255560 | 737476 | 759187 |
(iii) Banks | 615 | 23447 | 1124 | 197 | 13821 | 44981 |
(iv) Others | 1468256 | 1520819 | 306433 | 354713 | 1561035 | 1969386 |
7C.II. Advances outside India | 977943 | 1122572 | - | - | 71579 | 56589 |
8. Fixed Assets | 70467 | 73670 | 15674 | 15541 | 65901 | 65962 |
(1.0) | (1.0) | (0.7) | (0.6) | (0.9) | (0.8) | |
8.1. Premises | 52224 | 52572 | 7191 | 8223 | 44430 | 43898 |
8.2. Fixed assets under construction | - | 901 | - | - | 3923 | - |
8.2. Other Fixed assets | 18243 | 20196 | 8483 | 7318 | 17548 | 22063 |
9. Other Assets | 210164 | 182409 | 104700 | 92076 | 270786 | 276832 |
(3.0) | (2.4) | (4.9) | (3.7) | (3.7) | (3.4) | |
9.1. Inter - office adjustments (net) | - | - | 45845 | 17424 | 26101 | 36874 |
9.2. Interest accrued | 58480 | 56290 | 34141 | 35624 | 74536 | 86481 |
9.3. Tax paid | 41641 | 32904 | 3526 | 1771 | 7065 | 12143 |
9.4. Stationery and Stamps | 146 | 141 | 387 | 460 | 603 | 496 |
9.5. Others | 109897 | 93074 | 20801 | 36798 | 162481 | 140838 |
Total Assets | 6980585 | 7662677 | 2147045 | 2492318 | 7221138 | 8205493 |
(100.0) | (100.0) | (100.0) | (100.0) | (100.0) | (100.0) |
(Amount in Rs. lakh) | ||||||
As on March 31 | ||||||
Items | Central Bank of India | Corporation Bank | Dena Bank | |||
2002 | 2003 | 2002 | 2003 | 2002 | 2003 | |
(13) | (14) | (15) | (16) | (17) | (18) | |
1. Capital | 112414 | 112414 | 14344 | 14344 | 20682 | 20682 |
(2.1) | (2.0) | (0.6) | (0.5) | (1.1) | (1.0) | |
2. Reserves and Surplus | 87260 | 129982 | 190280 | 222676 | 76974 | 79160 |
(1.7) | (2.3) | (8.1) | (8.5) | (4.1) | (3.9) | |
2.1. Statutory Reserves | 11573 | 19211 | 42625 | 53181 | 15203 | 18629 |
2.2. Capital Reserves | 64078 | - | 3 | 3 | 795 | 923 |
2.3. Share Premium | - | - | 70196 | 70196 | 12001 | 12001 |
2.4. Investments Fluctuations Reserves | 11539 | 25039 | 8976 | 23144 | - | - |
2.5. Revenue and other Reserves | 62 | 85732 | 68481 | 76153 | 48975 | 47608 |
2.6. Balance of Profit | 8 | - | - | - | - | - |
3. Deposits | 4713738 | 5116512 | 1892427 | 2172457 | 1535469 | 1649126 |
(89.6) | (89.6) | (80.2) | (82.7) | (81.5) | (81.8) | |
Type-wise | ||||||
3A.1. Demand deposits | 488608 | 549861 | 231403 | 292244 | 168168 | 169935 |
(i) From banks | 24647 | 26798 | 3343 | 3867 | 9339 | 4394 |
(ii) From others | 463961 | 523063 | 228061 | 288377 | 158829 | 165541 |
3A.2. Savings bank deposits | 1370025 | 1540510 | 260906 | 327550 | 436180 | 485415 |
3A.3. Term deposits | 2855105 | 3026141 | 1400117 | 1552663 | 931120 | 993777 |
(i) From banks | 275068 | 246974 | 8247 | 2096 | 66919 | 50283 |
(ii) From others | 2580037 | 2779167 | 1391871 | 1550567 | 864201 | 943493 |
Location-wise | ||||||
3B.1. Deposits of branches in India | 4713738 | 5116512 | 1892427 | 2172457 | 1535469 | 1649126 |
3B.2. Deposits of branches outside India | - | - | - | - | - | - |
4. Borrowings | 22707 | 14699 | 142355 | 80334 | 26625 | 22821 |
(0.4) | (0.3) | (6.0) | (3.1) | (1.4) | (1.1) | |
4.1. Borrowings in India | 22707 | 14699 | 142355 | 70394 | 26625 | 13212 |
(i) From Reserve Bank of India | - | - | 35105 | 2471 | 10253 | - |
(ii) From other banks | 2213 | 604 | 50970 | 17021 | - | - |
(iii) From other institutions and agencies | 20494 | 14095 | 56279 | 50903 | 16372 | 13212 |
4.2. Borrowings outside India | - | - | - | 9940 | - | 9609 |
Secured borrowing included in 4. | - | - | - | - | - | - |
5. Other liabilities | 325247 | 336908 | 121015 | 137386 | 224457 | 244407 |
(6.2) | (5.9) | (5.1) | (5.2) | (11.9) | (12.1) | |
5.1. Bills Payable | 39173 | 80707 | 58278 | 71006 | 30573 | 26058 |
5.2. Inter-office adjustments | 81550 | 20546 | - | - | - | 106394 |
5.3. Interest accrued | 18229 | 18370 | 5571 | 4745 | 101277 | - |
5.4. Others (including provisions) | 186295 | 217284 | 57166 | 61634 | 92607 | 111954 |
Total Liabilities | 5261366 | 5710516 | 2360419 | 2627198 | 1884207 | 2016196 |
(100.0) | (100.0) | (100.0) | (100.0) | (100.0) | (100.0) |
(Amount in Rs. lakh) | ||||||
As on March 31 | ||||||
Items | Central Bank of India | Corporation Bank | Dena Bank | |||
2002 | 2003 | 2002 | 2003 | 2002 | 2003 | |
(13) | (14) | (15) | (16) | (17) | (18) | |
1. Cash in hand | 44571 | 51847 | 12366 | 15388 | 11596 | 13426 |
(0.8) | (0.9) | (0.5) | (0.6) | (0.6) | (0.7) | |
2. Balances with RBI | 260841 | 317255 | 121257 | 113007 | 90781 | 98057 |
(5.0) | (5.6) | (5.1) | (4.3) | (4.8) | (4.9) | |
3. Balances with banks in India | 180773 | 63874 | 66198 | 70765 | 15556 | 22552 |
(3.4) | (1.1) | (2.8) | (2.7) | (0.8) | (1.1) | |
4. Money at call and short notice | 75500 | - | 10000 | - | - | - |
(1.4) | - | (0.4) | - | - | - | |
5. Balances with banks outside India | 77303 | 17643 | 124790 | 43745 | 35357 | 11154 |
(1.5) | (0.3) | (5.3) | (1.7) | (1.9) | (0.6) | |
6. Investments | 2109981 | 2604535 | 805649 | 1066990 | 764806 | 850038 |
(40.1) | (45.6) | (34.1) | (40.6) | (40.6) | (42.2) | |
6.1. Investments in India | 2109915 | 2604469 | 805643 | 1066984 | 764806 | 850038 |
(i) Government securities | 1468255 | 1907199 | 586624 | 834576 | 525632 | 597874 |
(ii)Other approved securities | 100361 | 93786 | 24323 | 18800 | 29450 | 31547 |
(iii) Shares | 17849 | 18190 | 5404 | 5423 | 12697 | 14506 |
(iv) Debentures and Bonds | 497904 | 557960 | 165820 | 178834 | 190931 | 179989 |
(v) Subsidiaries and/or joint ventures | 8988 | 9158 | 11500 | - | 2172 | 2172 |
(vi) Others | 16558 | 18177 | 11972 | 29351 | 3925 | 23949 |
6.2. Investments outside India | 66 | 66 | 6 | 6 | - | - |
(i) Government securities | - | - | - | 6 | - | - |
(ii) Subsidiaries and/or joint ventures | 66 | 66 | - | - | - | - |
(iii) Others | - | - | 6 | - | - | - |
7. Advances | 2128751 | 2315922 | 1098741 | 1202917 | 752296 | 843560 |
(40.5) | (40.6) | (46.5) | (45.8) | (39.9) | (41.8) | |
Type-wise | ||||||
7A.1. Bills purchased and discounted | 88563 | 104310 | 61047 | 81113 | 54550 | 66769 |
7A.2. Cash credits, overdrafts & loans | 1201036 | 1233500 | 582361 | 604107 | 359099 | 405806 |
7A.3. Term loans | 839152 | 978112 | 455334 | 517697 | 338647 | 370986 |
Security-wise | ||||||
7B.1. Secured by tangible assets | 1819020 | 2028439 | 722123 | 989512 | 707887 | 734207 |
7B.2. Covered by Bank/ Government Guarantees | 73639 | 63653 | 147595 | 39178 | 16341 | 46080 |
7B.3. Unsecured | 236092 | 223830 | 229023 | 174228 | 28068 | 63273 |
Sector-wise | ||||||
7C. I. Advances in India | 2128751 | 2315922 | 1098741 | 1202917 | 752296 | 843560 |
(i) Priority sectors | 820328 | 967105 | 409992 | 397043 | 282842 | 316656 |
(ii) Public sectors | 508877 | 444439 | 293844 | 209518 | 135969 | 140757 |
(iii) Banks | 2642 | 13657 | 3058 | 23221 | - | - |
(iv) Others | 796904 | 890721 | 391847 | 573135 | 333486 | 386147 |
7C.II. Advances outside India | - | - | - | - | - | - |
8. Fixed Assets | 74783 | 75231 | 19934 | 23295 | 31551 | 29613 |
(1.4) | (1.3) | (0.8) | (0.9) | (1.7) | (1.5) | |
8.1. Premises | 62102 | 60683 | 7262 | 7107 | 22413 | 20690 |
8.2. Fixed assets under construction | - | - | - | - | - | 792 |
8.2. Other Fixed assets | 12681 | 14548 | 12671 | 16188 | 9138 | 8132 |
9. Other Assets | 308863 | 264208 | 101484 | 91091 | 182263 | 147796 |
(5.9) | (4.6) | (4.3) | (3.5) | (9.7) | (7.3) | |
9.1. Inter - office adjustments (net) | - | - | 19044 | 13920 | 1928 | 1261 |
9.2. Interest accrued | 68408 | 77864 | 31191 | 32307 | 28772 | 27452 |
9.3. Tax paid | 49032 | 45761 | 35955 | 25238 | 31775 | 59432 |
9.4. Stationery and Stamps | 989 | 920 | 141 | 144 | 325 | 477 |
9.5. Others | 190434 | 139663 | 15153 | 19482 | 119464 | 59174 |
Total Assets | 5261366 | 5710516 | 2360419 | 2627198 | 1884207 | 2016196 |
(100.0) | (100.0) | (100.0) | (100.0) | (100.0) | (100.0) |
(Amount in Rs. lakh) | ||||||
As on March 31 | ||||||
Items | Indian Bank | Indian Overseas Bank | Oriental Bank of Commerce | |||
2002 | 2003 | 2002 | 2003 | 2002 | 2003 | |
(19) | (20) | (21) | (22) | (23) | (24) | |
1. Capital | 380396 | 457396 | 44480 | 44480 | 19254 | 19254 |
(12.6) | (12.9) | (1.3) | (1.1) | (0.6) | (0.6) | |
2. Reserves and Surplus | 38125 | 55618 | 68783 | 101479 | 142719 | 191680 |
(1.3) | (1.6) | (1.9) | (2.5) | (4.4) | (5.6) | |
2.1. Statutory Reserves | 6741 | 10741 | 17362 | 29844 | 63400 | 77200 |
2.2. Capital Reserves | 24307 | 23800 | 24815 | 24808 | 2733 | 2733 |
2.3. Share Premium | - | - | - | - | 32270 | 32270 |
2.4. Investments Fluctuations Reserves | - | 14000 | 5395 | 25615 | 12050 | 24050 |
2.5. Revenue and other Reserves | 7078 | 7078 | 21211 | 21211 | 32200 | 55400 |
2.6. Balance of Profit | - | - | - | - | 66 | 27 |
3. Deposits | 2403884 | 2701593 | 3180848 | 3669859 | 2848839 | 2980909 |
(79.4) | (76.4) | (89.8) | (89.2) | (88.3) | (87.7) | |
Type-wise | ||||||
3A.1. Demand deposits | 176984 | 213064 | 265860 | 363638 | 230674 | 274443 |
(i) From banks | 6119 | 3574 | 5291 | 9057 | 1910 | 4187 |
(ii) From others | 170865 | 209490 | 260570 | 354581 | 228764 | 270256 |
3A.2. Savings bank deposits | 528479 | 657271 | 687837 | 816275 | 484814 | 576246 |
3A.3. Term deposits | 1698422 | 1831257 | 2227151 | 2489946 | 2133351 | 2130221 |
(i) From banks | 58070 | 47940 | 34138 | 23972 | 92877 | 94548 |
(ii) From others | 1640352 | 1783318 | 2193013 | 2465975 | 2040474 | 2035673 |
Location-wise | ||||||
3B.1. Deposits of branches in India | 2302911 | 2631248 | 3094654 | 3669859 | 2848839 | 2980909 |
3B.2. Deposits of branches outside India | 100973 | 70345 | 86195 | - | - | - |
4. Borrowings | 37205 | 44921 | 15091 | 35597 | 61738 | 76602 |
(1.2) | (1.3) | (0.4) | (0.9) | (1.9) | (2.3) | |
4.1. Borrowings in India | 23915 | 26969 | 13073 | 31407 | 61737 | 59802 |
(i) From Reserve Bank of India | 3725 | - | - | - | - | - |
(ii) From other banks | 2495 | 2193 | 14 | - | 130 | 3 |
(iii) From other institutions and agencies | 17695 | 24776 | 13059 | 31407 | 61607 | 59799 |
4.2. Borrowings outside India | 13291 | 17952 | 2018 | 4190 | 1 | 16800 |
Secured borrowing included in 4. | - | - | - | 20208 | - | - |
5. Other liabilities | 166682 | 277994 | 234910 | 264057 | 153742 | 130319 |
(5.5) | (7.9) | (6.6) | (6.4) | (4.8) | (3.8) | |
5.1. Bills Payable | 17976 | 26528 | 67037 | 72393 | 22720 | 15912 |
5.2. Inter-office adjustments | 49122 | 100887 | 39806 | 31698 | 11812 | 13155 |
5.3. Interest accrued | 12578 | 12942 | 12603 | 14604 | 7049 | 8927 |
5.4. Others (including provisions) | 87007 | 137637 | 115464 | 145362 | 112161 | 92325 |
Total Liabilities | 3026294 | 3537522 | 3544112 | 4115472 | 3226292 | 3398763 |
(100.0) | (100.0) | (100.0) | (100.0) | (100.0) | (100.0) |
(Amount in Rs. lakh) | ||||||
As on March 31 | ||||||
Items | Indian Bank | Indian Overseas Bank | Oriental Bank of Commerce | |||
2002 | 2003 | 2002 | 2003 | 2002 | 2003 | |
(19) | (20) | (21) | (22) | (23) | (24) | |
1. Cash in hand | 10258 | 8681 | 28805 | 30984 | 19901 | 21030 |
(0.3) | (0.2) | (0.8) | (0.8) | (0.6) | (0.6) | |
2. Balances with RBI | 118176 | 181711 | 192449 | 237810 | 215203 | 168560 |
(3.9) | (5.1) | (5.4) | (5.8) | (6.7) | (5.0) | |
3. Balances with banks in India | 3993 | 58874 | 30433 | 18860 | 45377 | 56843 |
(0.1) | (1.7) | (0.9) | (0.5) | (1.4) | (1.7) | |
4. Money at call and short notice | 787 | 20000 | 36170 | 30671 | 938 | 264 |
(0.0) | (0.6) | (1.0) | (0.7) | (0.0) | (0.0) | |
5. Balances with banks outside India | 16897 | 15531 | 74605 | 41090 | 51753 | 5724 |
(0.6) | (0.4) | (2.1) | (1.0) | (1.6) | (0.2) | |
6. Investments | 1240807 | 1483901 | 1506917 | 1860301 | 1372435 | 1478054 |
(41.0) | (41.9) | (42.5) | (45.2) | (42.5) | (43.5) | |
6.1. Investments in India | 1216814 | 1461403 | 1473708 | 1816601 | 1372435 | 1478054 |
(i) Government securities | 985249 | 1232726 | 1223702 | 1551185 | 855156 | 1014074 |
(ii)Other approved securities | 67224 | 59982 | 48583 | 40181 | 49795 | 49063 |
(iii) Shares | 5564 | 6827 | 11347 | 13235 | 14347 | 13346 |
(iv) Debentures and Bonds | 152679 | 150652 | 173478 | 195454 | 418297 | 373241 |
(v) Subsidiaries and/or joint ventures | 598 | 360 | 23 | - | - | - |
(vi) Others | 5499 | 10856 | 16575 | 16545 | 34840 | 28330 |
6.2. Investments outside India | 23993 | 22498 | 33209 | 43700 | - | - |
(i) Government securities | 11290 | 13921 | 11505 | 17972 | - | - |
(ii) Subsidiaries and/or joint ventures | - | 65 | 3005 | 23087 | - | - |
(iii) Others | 12703 | 8513 | 18698 | 2640 | - | - |
7. Advances | 1090836 | 1227499 | 1516234 | 1744700 | 1415787 | 1567724 |
(36.0) | (34.7) | (42.8) | (42.4) | (43.9) | (46.1) | |
Type-wise | ||||||
7A.1. Bills purchased and discounted | 32947 | 42577 | 99897 | 132063 | 69137 | 90534 |
7A.2. Cash credits, overdrafts & loans | 760720 | 775428 | 950179 | 1002117 | 754575 | 773946 |
7A.3. Term loans | 297169 | 409493 | 466159 | 610520 | 592075 | 703244 |
Security-wise | ||||||
7B.1. Secured by tangible assets | 746313 | 884742 | 1168783 | 1416456 | 1048317 | 1208861 |
7B.2. Covered by Bank/ Government Guarantees | 193929 | 188993 | 191746 | 175410 | 220703 | 192882 |
7B.3. Unsecured | 150594 | 153764 | 155706 | 152834 | 146767 | 165981 |
Sector-wise | ||||||
7C. I. Advances in India | 942685 | 1093834 | 1378695 | 1606811 | 1415787 | 1567724 |
(i) Priority sectors | 324560 | 405087 | 487632 | 584804 | 545536 | 602833 |
(ii) Public sectors | 261312 | 241692 | 321960 | 327073 | 87865 | 147085 |
(iii) Banks | 1660 | 430 | 2660 | 875 | 2985 | 341 |
(iv) Others | 355153 | 446625 | 566443 | 694060 | 779401 | 817464 |
7C.II. Advances outside India | 148151 | 133665 | 137540 | 137889 | - | - |
8. Fixed Assets | 45382 | 42386 | 29661 | 29251 | 14260 | 14528 |
(1.5) | (1.2) | (0.8) | (0.7) | (0.4) | (0.4) | |
8.1. Premises | 32907 | 32277 | 22018 | 21992 | 6233 | 6044 |
8.2. Fixed assets under construction | 585 | 645 | 201 | 235 | - | 147 |
8.2. Other Fixed assets | 11890 | 9463 | 7442 | 7024 | 8027 | 8337 |
9. Other Assets | 499158 | 498940 | 128838 | 121805 | 90638 | 86036 |
(16.5) | (14.1) | (3.6) | (3.0) | (2.8) | (2.5) | |
9.1. Inter - office adjustments (net) | - | - | - | - | - | - |
9.2. Interest accrued | 36629 | 44389 | 50870 | 58228 | 51724 | 50184 |
9.3. Tax paid | 13775 | 14054 | 6154 | 6485 | 24339 | 19730 |
9.4. Stationery and Stamps | 825 | 827 | 500 | 485 | 61 | 70 |
9.5. Others | 447929 | 439669 | 71314 | 56607 | 14514 | 16051 |
Total Assets | 3026294 | 3537522 | 3544112 | 4115472 | 3226292 | 3398763 |
(100.0) | (100.0) | (100.0) | (100.0) | (100.0) | (100.0) |
Note: Figures in brackets indicate percent share in total. |
Source: Annual accounts of banks of respective years. |