NATIONALISED BANKS

(Amount in Rs. lakh)

As on 31st March

Items

Indian Overseas Bank

Oriental Bank of Commerce

Punjab National Bank

Punjab & Sind Bank

Syndicate Bank

1997

1998

1997

1998

1997

1998

1997

1998

1997

1998

(21)

(22)

(23)

(24)

(25)

(26)

(27)

(28)

(29)

(30)

1.

Capital

33360

33360

19254

19254

35057

21224

70553

70553

128959

128959

(1.9)

(1.6)

(1.7)

(1.3)

(1.0)

(0.5)

(9.3)

(7.8)

(7.4)

(6.6)

2.

Reserves and Surplus

23598

33703

74885

88992

99150

144190

6775

8328

20136

22175

(1.3)

(1.6)

(6.5)

(6.0)

(2.8)

(3.6)

(0.9)

(0.9)

(1.1)

(1.1)

2.1.

Statutory Reserves

2767

5028

25800

32200

17488

27035

659

659

2720

2720

2.2.

Capital Reserves

19101

19605

2714

2714

39698

56182

4818

5764

2963

5114

2.3.

Share Premium

-

-

32270

32270

-

-

-

-

-

-

2.4.

Revenue and other Reserves

1730

9071

14100

21345

41964

60973

-

-

14453

14341

2.5.

Balance of Profit

-

-

2

463

-

-

1297

1905

-

-

3.

Deposits

1597259

1932864

1005406

1305802

3080641

3517356

637956

760956

1494630

1681615

(89.1)

(90.2)

(87.0)

(88.3)

(87.9)

(88.4)

(84.0)

(84.3)

(85.3)

(86.3)

3.1.

Demand deposits

233918

246771

121748

137942

327033

377179

63419

61530

217601

205369

(i) From banks

6780

6194

2424

2797

8215

9970

2378

2180

12089

12387

(ii) From others

227138

240578

119323

135145

318818

367208

61040

59350

205512

192982

3.2.

Savings bank deposits

321408

462584

193455

241755

943468

1156483

152240

178308

343331

394346

3.3.

Term deposits

1041934

1223508

690203

926105

1810141

1983694

422298

521118

933698

1081900

(i) From banks

56464

59789

18460

15585

58790

70102

18094

17922

139100

168903

(ii) From others

985470

1163719

671744

910520

1751351

1913592

404204

503197

794599

912997

3.A.

Deposits of branches in India

1486056

1826312

1005406

1305802

3080641

3517356

637956

760956

1387714

1550960

3.B.

Deposits of branches outside India

111203

106552

-

-

-

-

-

-

106916

130655

4.

Borrowings

33250

35603

10724

9940

34486

26482

11801

9110

7091

6451

(1.9)

(1.7)

(0.9)

(0.7)

(1.0)

(0.7)

(1.6)

(1.0)

(0.4)

(0.3)

4.1.

Borrowings in India

27334

30749

8506

6119

33411

25237

11801

9110

5610

4628

(i) From Reserve Bank of India

-

-

-

-

-

-

-

-

-

-

(ii) From other banks

61

67

338

152

2730

655

547

622

24

100

(iii) From other institutions and agencies

27273

30682

8168

5967

30681

24582

11254

8489

5586

4528

4.2.

Borrowings outside India

5917

4854

2219

3821

1075

1245

-

-

1481

1823

5.

Other liabilities

105357

107712

45629

54165

254984

267594

32241

54163

100549

108334

(5.9)

(5.0)

(3.9)

(3.7)

(7.3)

(6.7)

(4.2)

(6.0)

(5.7)

(5.6)

5.1.

Bills payable

43028

50024

12095

10510

83847

87807

16834

28661

41659

35050

5.2.

Inter-office adjustments

5857

-

14508

22986

25136

13833

1142

-

8365

5067

5.3.

Interest accrued

5697

6585

6418

5650

20120

45896

3996

4853

11911

12611

5.4.

Others (including provisions)

50775

51104

12609

15020

125881

120058

10270

20650

38613

55606

Total Liabilities

1792825

2143242

1155899

1478152

3504319

3976846

759326

903111

1751364

1947534

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on 31st March

Items

Indian Overseas Bank

Oriental Bank of Commerce

Punjab National Bank

Punjab & Sind Bank

Syndicate Bank

1997

1998

1997

1998

1997

1998

1997

1998

1997

1998

(21)

(22)

(23)

(24)

(25)

(26)

(27)

(28)

(29)

(30)

1.

Cash in hand

14103

15514

13954

14823

29515

30971

5975

4842

9839

9288

(0.8)

(0.7)

(1.2)

(1.0)

(0.8)

(0.8)

(0.8)

(0.5)

(0.6)

(0.5)

2.

Balances with RBI

173561

207259

96118

143226

335949

459025

58858

79841

152710

151687

(9.7)

(9.7)

(8.3)

(9.7)

(9.6)

(11.5)

(7.8)

(8.8)

(8.7)

(7.8)

3.

Balances with banks in India

15389

13222

13314

10028

6236

8425

4126

4522

15239

16461

(0.9)

(0.6)

(1.2)

(0.7)

(0.2)

(0.2)

(0.5)

(0.5)

(0.9)

(0.8)

4.

Money at call and short notice

772

623

34892

1908

64330

596

8017

-

50410

-

-

-

(3.0)

(0.1)

(1.8)

-

(1.1)

-

(2.9)

-

5.

Balances with banks outside India

118911

221145

15327

20282

25585

47037

8934

18660

475

124077

(6.6)

(10.3)

(1.3)

(1.4)

(0.7)

(1.2)

(1.2)

(2.1)

-

(6.4)

6.

Investments

659265

738199

438822

595725

1397657

1590773

301224

375478

745310

765961

(36.8)

(34.4)

(38.0)

(40.3)

(39.9)

(40.0)

(39.7)

(41.6)

(42.6)

(39.3)

6.A.

Investments in India

642239

719103

438822

595725

1397582

1590623

301224

375478

740803

755461

(i)

Government securities

501558

562547

276028

296510

897409

1010570

203217

224595

529305

532035

(ii)

Other approved securities

68554

68447

43925

44436

288624

304160

61771

61620

63549

58745

(iii)

Shares

8327

8970

2120

12667

6169

9912

1337

1356

9707

9844

(iv)

Debentures and bonds

51544

64735

112416

232302

162275

231650

29591

80925

57373

72464

(v)

Subsidiaries and joint ventures

115

25

-

-

14953

18898

508

561

3120

3234

(vi)

Others

12142

14380

4333

9810

28152

15433

4799

6419

77750

79139

6.B.

Investments outside India

17026

19096

-

-

75

150

-

-

4507

10499

(i)

Government securities

6709

9035

-

-

-

-

-

-

4507

-

(ii)

Subsidiaries and joint ventures

4532

4497

-

-

75

150

-

-

-

-

(iii)

Others

5786

5565

-

-

-

-

-

-

-

10499

7.

Advances

725402

866718

488642

631846

1406689

1604264

279120

318642

583248

695998

(40.5)

(40.4)

(42.3)

(42.7)

(40.1)

(40.3)

(36.8)

(35.3)

(33.3)

(35.7)

7.1.

Bills purchased and discounted

91904

101599

45128

61096

137841

136381

30239

28497

35635

32160

7.2.

Cash credits, overdrafts & loans

532036

637883

298240

390194

889425

984517

125674

169937

213626

262244

7.3.

Term loans

101461

127236

145274

180556

379423

483366

123206

120208

333987

401594

8.

Fixed Assets

24588

25588

7626

12071

58667

59526

8256

8259

20741

21540

(1.4)

(1.2)

(0.7)

(0.8)

(1.7)

(1.5)

(1.1)

(0.9)

(1.2)

(1.1)

8.1.

Premises

20561

20435

1943

5586

46371

46312

5735

5350

16195

17276

8.2.

Fixed assets under construction

120

305

1091

668

-

-

-

-

1450

265

8.3.

Other fixed assets

3906

4849

4591

5817

12296

13214

2521

2909

3096

3999

9.

Other Assets

60834

54974

47205

48244

179691

176229

84818

92867

173392

162522

(3.4)

(2.6)

(4.1)

(3.3)

(5.1)

(4.4)

(11.2)

(10.3)

(9.9)

(8.3)

9.1.

Inter - office adjustments (net)

-

3103

-

-

-

-

-

7056

-

-

9.2.

Interest accrued

27558

28355

19140

26432

56542

66282

10380

12796

34880

33951

9.3.

Tax paid

9905

5496

16275

14704

67099

52320

10464

12143

11174

7923

9.4.

Stationery and stamps

458

469

34

27

2022

2359

99

120

851

820

9.5.

Others

22913

17551

11755

7082

54028

55267

63875

60751

126487

119827

Total Assets

1792825

2143242

1155899

1478152

3504319

3976846

759326

903111

1751364

1947534

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on 31st March

Items

Union Bank of India

United Bank of India

United Commercial Bank

Vijaya Bank

1997

1998

1997

1998

1997

1998

1997

1998

(31)

(32)

(33)

(34)

(35)

(36)

(37)

(38)

1.

Capital

33800

33800

171087

171087

171452

206452

55631

55631

(1.5)

(1.3)

(13.4)

(11.9)

(10.5)

(11.1)

(6.9)

(5.9)

2.

Reserves and Surplus

105719

123916

10758

16510

40256

39391

15502

16475

(4.7)

(4.8)

(0.8)

(1.1)

(2.5)

(2.1)

(1.9)

(1.7)

2.1.

Statutory Reserves

28600

40000

1087

1087

1474

1474

1578

1578

2.2.

Capital Reserves

3126

5895

9671

15423

117

117

3487

5334

2.3.

Share Premium

4

4

-

-

-

-

-

-

2.4.

Revenue and other Reserves

73989

78017

-

-

38665

37800

10437

9563

2.5.

Balance of Profit

-

-

-

-

-

-

-

-

3.

Deposits

2000499

2305563

1034580

1203756

1261410

1446246

682730

821582

(89.3)

(89.5)

(81.2)

(83.7)

(77.2)

(77.8)

(84.8)

(87.0)

3.1.

Demand deposits

311742

325801

104101

113410

176148

191406

133958

145521

(i) From banks

6499

9101

6410

5852

8687

9547

5322

6090

(ii) From others

305243

316700

97691

107559

167461

181859

128637

139431

3.2.

Savings bank deposits

452280

546653

285403

341732

322161

383414

143608

165046

3.3.

Term deposits

1236476

1433110

645076

748613

763101

871426

405164

511015

(i) From banks

45037

49103

27217

44292

73875

91399

939

3658

(ii) From others

1191439

1384006

617859

704321

689226

780028

404225

507357

3.A.

Deposits of branches in India

2000499

2305563

1034580

1203756

1082869

1263882

682730

821582

3.B.

Deposits of branches outside India

-

-

-

-

178541

182365

-

-

4.

Borrowings

11829

8332

20648

12037

11291

26890

10772

14371

(0.5)

(0.3)

(1.6)

(0.8)

(0.7)

(1.4)

(1.3)

(1.5)

4.1.

Borrowings in India

11829

8332

19293

9907

9039

24055

5986

8166

(i) From Reserve Bank of India

-

-

9165

-

-

-

-

-

(ii) From other banks

480

-

393

724

665

3403

10

1775

(iii) From other institutions and agencies

11348

8332

9735

9183

8374

20652

5976

6392

4.2.

Borrowings outside India

-

-

1355

2130

2252

2835

4786

6204

5.

Other liabilities

87618

103710

37099

35527

150035

139613

40754

35956

(3.9)

(4.0)

(2.9)

(2.5)

(9.2)

(7.5)

(5.1)

(3.8)

5.1.

Bills payable

39707

47754

12413

11622

22383

18387

31634

25492

5.2.

Inter-office adjustments

172

6692

-

-

14494

3295

-

2405

5.3.

Interest accrued

11862

13883

7934

8823

87873

90464

2111

8059

5.4.

Others (including provisions)

35877

35380

16751

15082

25285

27467

7009

-

Total Liabilities

2239465

2575321

1274172

1438916

1634443

1858592

805387

944014

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on 31st March

Items

Union Bank of India

United Bank of India

United Commercial Bank

Vijaya Bank

1997

1998

1997

1998

1997

1998

1997

1998

(31)

(32)

(33)

(34)

(35)

(36)

(37)

(38)

1.

Cash in hand

14080

13865

10424

10686

12451

14230

7621

7460

(0.6)

(0.5)

(0.8)

(0.7)

(0.8)

(0.8)

(0.9)

(0.8)

2.

Balances with RBI

254311

264009

106771

113472

122357

148352

73233

84485

(11.4)

(10.3)

(8.4)

(7.9)

(7.5)

(8.0)

(9.1)

(8.9)

3.

Balances with banks in India

11624

13009

5625

3947

8048

20306

10166

14919

(0.5)

(0.5)

(0.4)

(0.3)

(0.5)

(1.1)

(1.3)

(1.6)

4.

Money at call and short notice

45700

51200

-

-

30216

15127

32700

15000

(2.0)