NATIONALISED BANKS

(Amount in Rs. lakh)

As on 31st March

Items

Indian Overseas

Oriental Bank of

Punjab & Sind

Punjab National

Syndicate Bank

Bank

Bank Commerce

Bank

1998

1999

1998

1999

1998

1999

1998

1999

1998

1999

(21)

(22)

(23)

(24)

(25)

(26)

(27)

(28)

(29)

(30)

1.

Capital

33360

33360

19254

19254

70553

24306

21224

21224

128959

34697

(1.6)

(1.4)

(1.3)

(1.0)

(7.8)

(2.3)

(0.5)

(0.5)

(6.6)

(1.6)

2.

Reserves and Surplus

33703

38503

88992

103894

8328

13074

144190

171751

22175

35143

(1.6)

(1.6)

(6.0)

(5.5)

(0.9)

(1.2)

(3.6)

(3.7)

(1.1)

(1.6)

2.1.

Statutory Reserves

5028

6688

32200

39100

659

1960

27035

34477

2720

5572

2.2.

Capital Reserves

19605

17647

2714

2714

5764

4142

56182

1305

5114

-

2.3.

Share Premium

-

1845

32270

32270

-

-

-

-

-

7219

2.4.

Revenue and other Reserves

9071

12324

21345

29745

-

2781

60973

135969

14341

15235

2.5.

Balance of Profit

-

-

463

65

1905

4190

-

-

-

7118

3.

Deposits

1932864

2191431

1305802

1680488

760956

949660

3517356

4077713

1681615

1991434

(90.2)

(89.6)

(88.3)

(89.5)

(84.3)

(89.5)

(88.4)

(88.0)

(86.3)

(91.0)

3.1.

Demand deposits

246771

283044

137942

153652

61530

78690

377179

484615

205369

219901

(i) From banks

6194

1995

2797

1460

2180

2629

9970

11796

12387

12713

(ii) From others

240578

281050

135145

152192

59350

76061

367208

472819

192982

207187

3.2.

Savings bank deposits

462584

433123

241755

298129

178308

210521

1156483

1367905

394346

477250

3.3.

Term deposits

1223508

1475264

926105

1228707

521118

660449

1983694

2225193

1081900

1294284

(i) From banks

59789

33554

15585

54615

17922

65137

70102

84797

168903

165004

(ii) From others

1163719

1441710

910520

1174092

503197

595311

1913592

2140395

912997

1129279

3.A.

Deposits of branches in India

1826342

2109253

1305802

1680488

760956

949660

3517356

4077713

1550960

1874102

3.B.

Deposits of branches outside India

106552

82178

-

-

-

-

-

-

130655

117333

4.

Borrowings

35603

44520

9940

10812

9110

15007

26482

19749

6451

9930

(1.7)

(1.8)

(0.7)

(0.6)

(1.0)

(1.4)

(0.7)

(0.4)

(0.3)

(0.5)

4.1.

Borrowings in India

30749

42363

6119

5614

9110

15007

25237

17817

4628

7805

(i) From Reserve Bank of India

-

-

-

-

-

-

-

-

-

-

(ii) From other banks

67

317

152

29

622

1674

655

546

100

403

(iii) From other institutions and agencies

30682

42046

5967

5585

8489

13332

24582

17271

4528

7402

4.2.

Borrowings outside India

4854

2157

3821

5198

-

-

1245

1932

1823

2125

5.

Other liabilities

107712

138389

54165

63968

54163

59446

267594

341911

108334

118250

(5.0)

(5.7)

(3.7)

(3.4)

(6.0)

(5.6)

(6.7)

(7.4)

(5.6)

(5.4)

5.1.

Bills payable

50024

54984

10510

14998

28661

29182

87807

63188

35050

30587

5.2.

Inter-office adjustments

-

8522

22986

24902

-

-

13833

46261

5067

-

5.3.

Interest accrued

6585

7747

5650

5956

4853

5053

45896

69578

12611

15504

5.4.

Others (including provisions)

51104

67137

15020

18112

20650

25211

120058

162884

55606

72159

Total Liabilities

2143242

2446204

1478152

1878416

903111

1061492

3976846

4632348

1947534

2189455

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

As on 31st March

Items

Indian Overseas

Oriental Bank of

Punjab & Sind

Punjab National

Syndicate Bank

Bank

Commerce

Bank

Bank

1998

1999

1998

1999

1998

1999

1998

1999

1998

1999

(21)

(22)

(23)

(24)

(25)

(26)

(27)

(28)

(29)

(30)

1.

Cash in hand

15514

21692

14823

20461

4842

6546

30971

33831

9288

8772

(0.7)

(0.9)

(1.0)

(1.1)

(0.5)

(0.6)

(0.8)

(0.7)

(0.5)

(0.4)

2.

Balances with RBI

207259

264899

143226

181780

79841

97039

459025

467761

151687

209633

(9.7)

(10.8)

(9.7)

(9.7)

(8.8)

(9.1)

(11.5)

(10.1)

(7.8)

(9.6)

3.

Balances with banks in India

13222

10580

10028

13943

4522

13175

8425

11818

16461

14384

(0.6)

(0.4)

(0.7)

(0.7)

(0.5)

(1.2)

(0.2)

(0.3)

(0.8)

(0.7)

4.

Money at call and short notice

623

671

1908

421

-

18000

596

-

-

-

(-)

(-)

(0.1)

(-)

(-)

(1.7)

(-)

(-)

(-)

(-)

5.

Balances with banks outside India

221145

208111

20282

22677

18660

21195

47037

70538

124077

74775

(10.3)

(8.5)

(1.4)

(1.2)

(2.1)

(2.0)

(1.2)

(1.5)

(6.4)

(3.4)

6.

Investments

738199

831606

595725

783915

375478

427361

1590773

1857316

765961

792565

(34.4)

(34.0)

(40.3)

(41.7)

(41.6)

(40.3)

(40.0)

(40.1)

(39.3)

(36.2)

6.A.

Investments in India

719103

815136

595725

783915

375478

427361

1590623

1856420

755461

775851

(i) Government securities

562547

636534

296510

406942

224595

256727

1010570

1232631

532035

540032

(ii)Other approved securities

68447

62747

44436

49847

61620

62224

304160

282729

58745

54288

(iii) Shares

8970

9479

12667

17617

1356

1123

9912

36374

9844

9218

(iv) Debentures and bonds

64735

83777

232302

299019

80925

102732

231650

269816

72464

158075

(v) Subsidiaries and joint ventures

25

25

-

-

561

611

18898

22719

3234

3395

(vi) Others

14380

22575

9810

10491

6419

3945

15433

12151

79139

10843

6.B.

Investments outside India

19096

16470

-

-

-

-

150

897

10499

16714

(i) Government securities

9035

6205

-

-

-

-

-

747

-

16714

(ii) Subsidiaries and joint ventures

4497

4500

-

-

-

-

150

150

-

-

(iii) Others

5565

5765

-

-

-

-

-

-

10499

-

7.

Advances

866718

1011747

631846

770756

318642

409993

1604264

1904737

695998

931283

(40.4)

(41.4)

(42.7)

(41.0)

(35.3)

(38.6)

(40.3)

(41.1)

(35.7)

(42.5)

7.1.

Bills purchased and discounted

101599

106612

61096

75116

28497

31988

136381

148954

32160

39609

7.2.

Cash credits, overdrafts & loans

637883

692061

390194

463728

169937

210617

984517

1082383

262244

319588

7.3.

Term loans

127236

213074

180556

231912

120208

167388

483366

673400

401594

572086

Priority sector advances included in 7.

255586

295101

247413

306104

121061

144111

527535

659505

180051

281068

8.

Fixed Assets

25588

27806

12071

13961

8259

8277

59526

61710

21540

22713

(1.2)

(1.1)

(0.8)

(0.7)

(0.9)

(0.8)

(1.5)

(1.3)

(1.1)

(1.0)

8.1.

Premises

20435

20193

5586

5873

5350

5006

46312

47185

17276

17149

8.2.

Fixed assets under construction

305

512

668

308

-

-

-

-

265

285

8.3.

Other fixed assets

4849

7102

5817

7780

2909

3272

13214

14525

3999

5279

9.

Other Assets

54974

69093

48244

70500

92867

59907

176229

224637

162522

135329

(2.6)

(2.8)

(3.3)

(3.8)

(10.3)

(5.6)

(4.4)

(4.8)

(8.3)

(6.2)

9.1.

Inter - office adjustments (net)

3103

34017

-

-

7056

5922

-

-

-

54502

9.2.

Interest accrued

28355

3979

26432

36167

12796

17075

66282

70860

33951

40207

9.3.

Tax paid

5496

-

14704

20320

12143

9626

52320

72315

7923

5616

9.4.

Stationery and stamps

469

428

27

19

120

220

2359

2469

820

795

9.5.

Others

17551

30669

7082

13995

60751

27064

55267

78993

119827

34209

Total Assets

2143242

2446204

1478152

1878416

903111

1061492

3976846

4632348

1947534

2189455

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Note

:

Figures in bracket indicate percent share in total.

-

:

Nil or negligible.

Source

:

Annual accounts of banks.

Table 48 : Liabilities and Assets of Scheduled Commercial Banks - 1998-99 (Part 6 of 22)

NATIONALISED BANKS

(Amount in Rs. lakh)

As on 31st March

Items

Union Bank of India

United Bank of India

United Commercial

Vijaya Bank

Bank

1998

1999

1998

1999

1998

1999

1998

1999

(31)

(32)

(33)

(34)

(35)

(36)

(37)

(38)

1.

Capital

33800

33800

171087

181087

206452

226452

55631

55631

(1.3)

(1.1)

(11.9)

(10.5)

(11.1)

(10.9)

(5.9)

(5.0)

2.

Reserves and Surplus

123916

134462

16510

16181

39391

36968

16475

14771

(4.8)

(4.3)

(1.1)

(0.9)

(2.1)

(1.8)

(1.7)

(1.3)

2.1.

Statutory Reserves

40000

47210

1087

1087

1474

1474

1578

1656

2.2.

Capital Reserves

5895

5895

15423

15094

117

117

5334

5654

2.3.

Share Premium

4

-

-

-

-

-

-

-

2.4.

Revenue and other Reserves

78017

81357

-

-

37800

35377

9563

7461

2.5.

Balance of Profit

-

-

-

-

-

-

-

-

3.

Deposits

2305563

2813566

1203756

1451628

1446246

1625121

821582

969023

(89.5)

(90.1)

(83.7)

(84.3)

(77.8)

(78.3)

(87.0)

(87.3)

3.1.

Demand deposits

325801

346281

113410

137347

191406

199190

145521

166291

(i) From banks

9101

11036

5852

5759

9547

9751

6090

7037

(ii) From others

316700

335245

107559

131587

181859

189439

139431

159255

3.2.

Savings bank deposits

546653

631199

341732

397372

383414

441939

165046

198833

3.3.

Term deposits

1433110

1836086

748613

916909

871426

983992

511015

603899

(i) From banks

49103

61772

44292

57888

91399

87429

3658

1279

(ii) From others

1384006

1774313

704321

859021

780028

896563

507357

602620

3.A.

Deposits of branches in India

2305563

2813566

1203756

1451628

1263882

1625121

821582

969023

3.B.

Deposits of branches outside India

-

-

-

-

182365

-

-

-

4.

Borrowings

8332

7413

12037

10662

26890

31979

14371

14626

(0.3)

(0.2)

(0.8)

(0.6)

(1.4)

(1.5)

(1.5)

(1.3)

4.1.

Borrowings in India

8332

7413

9907

9855

24055

31208

8166

13284

(i) From Reserve Bank of India

-

-

-

-

-

14424

-

4500

(ii) From other banks

-

-

724

166

3403

764

1775

103

(iii) From other institutions and agencies

8332

7413

9183

9689

20652

16019

6392

8681

4.2.

Borrowings outside India

-

-

2130

807

2835

772

6204

1342

5.

Other liabilities

103710

133852

35527

61965

139613

154728

35956

55517

(4.0)

(4.3)

(2.5)

(3.6)

(7.5)

(7.5)

(3.8)

(5.0)

5.1.

Bills payable

47754

56679

11622

33666

18387

15619

25492

26128

5.2.

Inter-office adjustments

6692

13352

-

-

3295

-

2405

-

5.3.

Interest accrued

13883

14561

8823

9517

90464

113399

8059

2464

5.4.

Others (including provisions)

35380

49260

15082

18781

27467

25710

-

26925

Total Liabilities

2575321

3123092

1438916

1721523

1858592

2075248

944014

1109567

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

As on 31st March

Items

Union Bank of India

United Bank of India

United Commercial

Vijaya Bank

Bank

1998

1999

1998

1999

1998

1999

1998

1999

(31)

(32)

(33)

(34)

(35)

(36)

(37)

(38)

1.

Cash in hand

13865

14519

10686

12076

14230