(Amount in Rs. lakh)

As on March 31

Items

Nainital Bank

Nedungadi Bank

Ratnakar Bank

2002

2003

2002

2003

2002

2003

(43)

(44)

(45)

(46)

(47)

(48)

1. Capital

500

1500

1020

965

1166

(0.8)

(2.0)

(0.6)

(1.4)

(1.6)

2. Reserves and Surplus

2580

4255

5028

2390

2921

(3.9)

(5.5)

(3.2)

(3.5)

(3.9)

2.1. Statutory Reserves

892

1082

1432

1275

1525

2.2. Capital Reserves

215

211

1021

2

2

2.3. Share Premium

150

1150

1360

65

65

2.4. Investments Fluctuations Reserves

39

339

-

271

521

2.5. Revenue and other Reserves

1281

1473

1215

733

752

2.6. Balance of Profit

4

-

-

44

56

3. Deposits

60801

66871

143806

60411

64230

(91.8)

(87.0)

(91.2)

(88.3)

(86.7)

Type-wise

3A.1. Demand deposits

5967

4977

8097

5880

6091

(i) From banks

116

80

7

401

278

(ii) From others

5851

4897

8090

5479

5814

3A.2. Savings bank deposits

22285

26270

22668

8263

8235

3A.3. Term deposits

32549

35624

113041

46268

49903

(i) From banks

129

114

1222

1995

1911

(ii) From others

32420

35510

111819

44273

47993

Location-wise

3B.1. Deposits of branches in India

60801

66871

143806

60411

64230

3B.2. Deposits of branches outside India

-

-

-

-

-

4. Borrowings

1

14

622

392

220

(0.0)

(0.0)

(0.4)

(0.6)

(0.3)

4.1. Borrowings in India

1

14

622

392

220

(i) From Reserve Bank of India

-

-

566

-

-

(ii) From other banks

1

-

-

-

-

(iii) From other institutions and agencies

0

14

56

392

220

4.2. Borrowings outside India

-

-

-

-

-

Secured borrowing included in 4.

-

14

-

-

-

5. Other liabilities

2334

4198

7233

4244

5524

(3.5)

(5.5)

(4.6)

(6.2)

(7.5)

5.1. Bills Payable

666

1782

964

1520

1460

5.2. Inter-office adjustments

279

664

1703

-

-

5.3. Interest accrued

422

286

868

252

284

5.4. Others (including provisions)

966

1466

3698

2472

3780

Total Liabilities

66216

76839

157709

68402

74061

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on March 31

Items

Nainital Bank

Nedungadi Bank #

Ratnakar Bank

2002

2003

2002

2003

2002

2003

(43)

(44)

(45)

(46)

(47)

(48)

1. Cash in hand

626

685

1455

1354

1391

(0.9)

(0.9)

(0.9)

(2.0)

(1.9)

2. Balances with RBI

3306

4082

5949

4608

3530

(5.0)

(5.3)

(3.8)

(6.7)

(4.8)

3. Balances with banks in India

12658

16561

1712

4913

4706

(19.1)

(21.6)

(1.1)

(7.2)

(6.4)

4. Money at call and short notice

820

450

4000

1000

800

(1.2)

(0.6)

(2.5)

(1.5)

(1.1)

5. Balances with banks outside India

-

-

215

-

-

-

-

(0.1)

-

-

6. Investments

33241

34862

52794

25339

27101

(50.2)

(45.4)

(33.5)

(37.0)

(36.6)

6.1. Investments in India

33241

34862

52794

25339

27101

(i) Government securities

22563

23306

40645

20549

21414

(ii)Other approved securities

430

383

2012

200

165

(iii) Shares

2

2

593

359

345

(iv) Debentures and Bonds

9939

9310

8660

3964

4914

(v) Subsidiaries and/or joint ventures

-

-

-

-

-

(vi) Others

307

1861

884

267

264

6.2. Investments outside India

-

-

-

-

-

(i) Government securities

-

-

-

-

-

(ii) Subsidiaries and/or joint ventures

-

-

-

-

-

(iii) Others

-

-

-

-

-

7. Advances

13080

17238

76988

27037

31205

(19.8)

(22.4)

(48.8)

(39.5)

(42.1)

Type-wise

7A.1. Bills purchased and discounted

185

171

3483

870

2480

7A.2. Cash credits, overdrafts & loans

9493

11738

60782

14502

16839

7A.3. Term loans

3402

5329

12723

11666

11885

Security-wise

7B.1. Secured by tangible assets

12918

17143

76471

24562

26869

7B.2. Covered by Bank/ Government Guarantees

-

-

259

-

-

7B.3. Unsecured

162

95

258

2476

4337

Sector-wise

7C. I. Advances in India

13080

17238

76988

27037

31205

(i) Priority sectors

6886

9772

25522

7195

7464

(ii) Public sectors

50

52

487

-

758

(iii) Banks

-

-

-

-

1000

(iv) Others

6145

7414

50979

19842

21983

7C.II. Advances outside India

-

-

-

-

-

8. Fixed Assets

404

501

3112

1345

1268

(0.6)

(0.7)

(2.0)

(2.0)

(1.7)

8.1. Premises

256

250

2056

340

326

8.2. Fixed assets under construction

-

-

-

372

30

8.2. Other Fixed assets

149

251

1056

633

912

9. Other Assets

2081

2460

11484

2806

4059

(3.1)

(3.2)

(7.3)

(4.1)

(5.5)

9.1. Inter - office adjustments (net)

-

-

-

258

312

9.2. Interest accrued

1834

1916

2119

638

795

9.3. Tax paid

118

316

1765

1696

2421

9.4. Stationery and Stamps

0

0

93

23

25

9.5. Others

129

228

7507

191

505

Total Assets

66216

76839

157709

68402

74061

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on March 31

Items

Sangli Bank

SBI Commercial & Intl. Bank

South Indian Bank

2002

2003

2002

2003

2002

2003

(49)

(50)

(51)

(52)

(53)

(54)

1. Capital

1746

2041

10000

10000

3574

3577

(1.0)

(1.1)

(14.2)

(17.0)

(0.5)

(0.5)

2. Reserves and Surplus

5329

6000

-1102

-1958

23886

28522

(3.1)

(3.3)

-(1.6)

-(3.3)

(3.6)

(3.7)

2.1. Statutory Reserves

1460

1760

801

801

5891

7699

2.2. Capital Reserves

4

56

-

-

1836

1799

2.3. Share Premium

-

-

-

-

6478

6483

2.4. Investments Fluctuations Reserves

-

-

275

300

2181

3206

2.5. Revenue and other Reserves

3863

4179

-1

-

7483

9303

2.6. Balance of Profit

2

5

-2178

-3059

18

31

3. Deposits

161270

167778

56247

49435

591970

686127

(93.0)

(92.3)

(79.8)

(83.9)

(90.3)

(89.9)

Type-wise

3A.1. Demand deposits

17037

16496

1373

1301

29127

32802

(i) From banks

598

246

-

-

1991

5111

(ii) From others

16439

16250

1373

1301

27136

27690

3A.2. Savings bank deposits

36634

39516

1417

1558

83134

98835

3A.3. Term deposits

107599

111766

53457

46575

479709

554490

(i) From banks

20771

21142

6892

5072

29249

37291

(ii) From others

86828

90624

46565

41503

450460

517199

Location-wise

3B.1. Deposits of branches in India

161270

167778

56247

49435

591970

686127

3B.2. Deposits of branches outside India

-

-

-

-

-

-

4. Borrowings

262

688

3763

-

6137

9488

(0.2)

(0.4)

(5.3)

-

(0.9)

(1.2)

4.1. Borrowings in India

232

558

3763

-

1906

9488

(i) From Reserve Bank of India

164

-

63

-

1719

-

(ii) From other banks

-

500

2700

-

-

8098

(iii) From other institutions and agencies

68

58

1000

-

187

1391

4.2. Borrowings outside India

29

130

-

-

4230

-

Secured borrowing included in 4.

-

-

-

-

-

-

5. Other liabilities

4804

5222

1588

1416

29935

35152

(2.8)

(2.9)

(2.3)

(2.4)

(4.6)

(4.6)

5.1. Bills Payable

1549

1324

78

160

7197

6041

5.2. Inter-office adjustments

-

507

-

-

1557

1492

5.3. Interest accrued

1268

1356

688

597

3399

3161

5.4. Others (including provisions)

1987

2035

823

658

17782

24459

Total Liabilities

173411

181729

70495

58893

655502

762866

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on March 31

Items

Sangli Bank

SBI Commercial & Intl. Bank

South Indian Bank

2002

2003

2002

2003

2002

2003

(49)

(50)

(51)

(52)

(53)

(54)

1. Cash in hand

2468

2254

80

66

5380

5930

(1.4)

(1.2)

(0.1)

(0.1)

(0.8)

(0.8)

2. Balances with RBI

19461

5516

3287

2809

24686

33707

(11.2)

(3.0)

(4.7)

(4.8)

(3.8)

(4.4)

3. Balances with banks in India

11028

5785

4848

11942

46109

27435

(6.4)

(3.2)

(6.9)

(20.3)

(7.0)

(3.6)

4. Money at call and short notice

1000

-

7003

4311

-

-

(0.6)

-

(9.9)

(7.3)

-

-

5. Balances with banks outside India

981

1249

4992

234

15847

10938

(0.6)

(0.7)

(7.1)

(0.4)

(2.4)

(1.4)

6. Investments

68598

95332

19045

14863

218058

299932

(39.6)

(52.5)

(27.0)

(25.2)

(33.3)

(39.3)

6.1. Investments in India

68598

95332

19045

14863

218058

299932

(i) Government securities

46744

73103

17423

13335

186551

261417

(ii)Other approved securities

1485

1187

605

505

8031

7094

(iii) Shares

71

152

17

23

1163

1315

(iv) Debentures and Bonds

4423

3034

1000

1000

21568

23952

(v) Subsidiaries and/or joint ventures

-

-

-

-

-

-

(vi) Others

15876

17857

-

-

744

6154

6.2. Investments outside India

-

-

-

-

-

-

(i) Government securities

-

-

-

-

-

-

(ii) Subsidiaries and/or joint ventures

-

-

-

-

-

-

(iii) Others

-

-

-

-

-

-

7. Advances

56311

56815

24545

17587

323105

361294

(32.5)

(31.3)

(34.8)

(29.9)

(49.3)

(47.4)

Type-wise

7A.1. Bills purchased and discounted

17971

21904

3082

3638

35471

39265

7A.2. Cash credits, overdrafts & loans

27468

23806

19948

12793

167335

158828

7A.3. Term loans

10872

11104

1516

1155

120298

163200

Security-wise

7B.1. Secured by tangible assets

36767

33305

19649

13054

255740

276271

7B.2. Covered by Bank/ Government Guarantees

15057

20052

1476

2590

26364

22917

7B.3. Unsecured

4487

3457

3419

1943

41001

62106

Sector-wise

7C. I. Advances in India

56311

56815

24545

17587

323105

361294

(i) Priority sectors

13763

13083

1054

1654

91857

100395

(ii) Public sectors

-

-

-

-

41432

29192

(iii) Banks

15000

20002

-

-

-

6815

(iv) Others

27548

23730

23491

15933

189816

224892

7C.II. Advances outside India

-

-

-

-

-

-

8. Fixed Assets

3632

3325

5044

4981

4441

5442

(2.1)

(1.8)

(7.2)

(8.5)

(0.7)

(0.7)

8.1. Premises

3050

2923

4972

4902

3571

4479

8.2. Fixed assets under construction

-

-

-

-

-

-

8.2. Other Fixed assets

581

402

72

79

870

963

9. Other Assets

9933

11453

1652

2101

17876

18188

(5.7)

(6.3)

(2.3)

(3.6)

(2.7)

(2.4)

9.1. Inter - office adjustments (net)

265

-

-

-

-

-

9.2. Interest accrued

1007

1899

703

505

11865

11097

9.3. Tax paid

1896

2021

748

407

2966

4695

9.4. Stationery and Stamps

70

73

1

1

112

110

9.5. Others

6694

7460

199

1188

2932

2286

Total Assets

173411

181729

70495

58893

655502

762866

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on March 31

Items

Tamilnad Mercantile Bank

United Western Bank

UTI Bank

2002

2003

2002

2003

2002

2003

(55)

(56)

(57)

(58)

(59)

(60)

1. Capital

28

28

2989

2989

19188

23019

(0.0)

(0.0)

(0.6)

(0.5)

(1.3)

(1.2)

2. Reserves and Surplus

33167

39660

22392

24907

42295

68792

(7.8)

(8.4)

(4.4)

(4.2)

(2.9)

(3.5)

2.1. Statutory Reserves

10253

12256

7243

7933

9739

14544

2.2. Capital Reserves

61

61

17

17

-

60

2.3. Share Premium

-

-

5473

5473

16181

28231

2.4. Investments Fluctuations Reserves

-

-

1400

2950

7081

12281

2.5. Revenue and other Reserves

22836

27320

7591

8361

1430

1430

2.6. Balance of Profit

17

23

669

173

7864

12246

3. Deposits

372999

408458

449103

539109

1228721

1696472

(87.2)

(86.5)

(87.5)

(90.3)

(85.5)

(86.5)

Type-wise

3A.1. Demand deposits

53623

54331

45836

49332

115147

248553

(i) From banks

128

363

2177

4021

7050

11647

(ii) From others

53495

53968

43659

45311

108097

236906

3A.2. Savings bank deposits

40258

44820

73352

87767

87580

142325

3A.3. Term deposits

279118

309307

329915

402010

1025994

1305594

(i) From banks

3269

4468

20638

56745

214606

237894

(ii) From others

275849

304838

309278

345265

811388

1067700

Location-wise

3B.1. Deposits of branches in India

372999

408458

449103

539109

1228721

1696472

3B.2. Deposits of branches outside India

-

-

-

-

-

-

4. Borrowings

3032

7277

19779

5174

124581

71931

(0.7)

(1.5)

(3.9)

(0.9)

(8.7)

(3.7)

4.1. Borrowings in India

3032

7277

19779

4704

124581

65759

(i) From Reserve Bank of India

-

-

4490

-

5100

-

(ii) From other banks

-

-

11563

807

46452

24652

(iii) From other institutions and agencies

3032

7277

3726

3897

73029

41107

4.2. Borrowings outside India

-

-

-

470

-

6172

Secured borrowing included in 4.

-

-

-

-

-

-

5. Other liabilities

18652

16742

19183

24985

22666

101104

(4.4)

(3.5)

(3.7)

(4.2)

(1.6)

(5.2)

5.1. Bills Payable

10014

9200

2332

1589

10218

23313

5.2. Inter-office adjustments

-

-

-

1166

65

20

5.3. Interest accrued

4217

2196

3645

3962

1606

2067