(Amount in Rs. lakh)

As on March 31

Items

Punjab & Sind Bank

Punjab National Bank

Syndicate Bank

2002

2003

2002

2003

2002

2003

(25)

(26)

(27)

(28)

(29)

(30)

1. Capital

24306

24306

37673

26530

47195

47195

(1.8)

(1.7)

(0.5)

(0.3)

(1.5)

(1.4)

2. Reserves and Surplus

20154

21438

300395

376769

93844

110764

(1.5)

(1.5)

(4.1)

(4.4)

(3.0)

(3.2)

2.1. Statutory Reserves

4919

5044

70332

91387

23100

31703

2.2. Capital Reserves

5612

4670

39375

38525

4

1576

2.3. Share Premium

-

-

-

11143

-

-

2.4. Investments Fluctuations Reserves

3902

4402

31012

50013

12000

21323

2.5. Revenue and other Reserves

-1

4189

159676

185702

31515

52749

2.6. Balance of Profit

5722

3133

-

-

27225

3413

3. Deposits

1248261

1322362

6412348

7581350

2854833

3066054

(90.8)

(91.3)

(87.9)

(87.9)

(89.9)

(89.0)

Type-wise

3A.1. Demand deposits

83461

96001

675841

988829

331266

343609

(i) From banks

3593

2704

11125

16602

9939

14596

(ii) From others

79868

93297

664716

972227

321327

329013

3A.2. Savings bank deposits

327784

384547

2166421

2564790

751104

864275

3A.3. Term deposits

837016

841814

3570086

4027732

1772463

1858170

(i) From banks

43492

39810

131617

48478

267258

154520

(ii) From others

793524

802004

3438469

3979254

1505205

1703650

Location-wise

3B.1. Deposits of branches in India

1248261

1322362

6412348

7581350

2661635

2911825

3B.2. Deposits of branches outside India

-

-

-

-

193198

154229

4. Borrowings

7084

2476

40857

66216

3665

7877

(0.5)

(0.2)

(0.6)

(0.8)

(0.1)

(0.2)

4.1. Borrowings in India

7084

2476

40417

56089

3665

3077

(i) From Reserve Bank of India

4000

-

26900

-

-

-

(ii) From other banks

261

832

3196

18421

2132

1613

(iii) From other institutions and agencies

2823

1644

10321

37668

1533

1464

4.2. Borrowings outside India

-

-

440

10127

-

4800

Secured borrowing included in 4.

-

-

-

-

-

-

5. Other liabilities

75551

78508

500193

571315

176082

211653

(5.5)

(5.4)

(6.9)

(6.6)

(5.5)

(6.1)

5.1. Bills Payable

13133

16971

86647

94819

65702

48717

5.2. Inter-office adjustments

3306

-

6641

3419

-

1366

5.3. Interest accrued

4981

4693

45255

49328

17639

17385

5.4. Others (including provisions)

54131

56844

361651

423750

92741

144185

Total Liabilities

1375356

1449091

7291466

8622180

3175619

3443543

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on March 31

Items

Punjab & Sind Bank

Punjab National Bank

Syndicate Bank

2002

2003

2002

2003

2002

2003

(25)

(26)

(27)

(28)

(29)

(30)

1. Cash in hand

7224

6295

73102

62882

14921

14759

(0.5)

(0.4)

(1.0)

(0.7)

(0.5)

(0.4)

2. Balances with RBI

78931

84103

437041

593971

182282

150239

(5.7)

(5.8)

(6.0)

(6.9)

(5.7)

(4.4)

3. Balances with banks in India

42205

38609

59926

135478

60521

44237

(3.1)

(2.7)

(0.8)

(1.6)

(1.9)

(1.3)

4. Money at call and short notice

2507

5000

18183

7642

40004

40000

(0.2)

(0.3)

(0.2)

(0.1)

(1.3)

(1.2)

5. Balances with banks outside India

23055

18745

51581

7746

16568

2666

(1.7)

(1.3)

(0.7)

(0.1)

(0.5)

(0.1)

6. Investments

574494

623748

2820717

3403005

1191060

1382325

(41.8)

(43.0)

(38.7)

(39.5)

(37.5)

(40.1)

6.1. Investments in India

574494

623748

2819705

3402067

1167406

1365218

(i) Government securities

355742

420173

1930425

2533775

975047

1188726

(ii)Other approved securities

59436

58591

245943

240894

39094

34160

(iii) Shares

4814

4193

34388

27013

9347

11607

(iv) Debentures and Bonds

140499

119786

538288

545842

122898

101870

(v) Subsidiaries and/or joint ventures

65

65

21198

21977

3335

3335

(vi) Others

13938

20940

49464

32565

17685

25520

6.2. Investments outside India

-

-

1012

938

23654

17106

(i) Government securities

-

-

701

627

-

-

(ii) Subsidiaries and/or joint ventures

-

-

311

311

-

-

(iii) Others

-

-

-

-

23654

17106

7. Advances

557674

589209

3436942

4022812

1488466

1630535

(40.5)

(40.7)

(47.1)

(46.7)

(46.9)

(47.4)

Type-wise

7A.1. Bills purchased and discounted

29759

29924

246009

287868

33353

58387

7A.2. Cash credits, overdrafts & loans

317712

323262

1847821

2090113

833604

855685

7A.3. Term loans

210203

236023

1343111

1644831

621509

716463

Security-wise

7B.1. Secured by tangible assets

406870

498080

3260073

3671394

879386

1118747

7B.2. Covered by Bank/ Government Guarantees

124057

73466

49338

66228

117131

136716

7B.3. Unsecured

26747

17663

127531

285191

491949

375072

Sector-wise

7C. I. Advances in India

557674

589209

3436942

4022812

1194642

1391297

(i) Priority sectors

227942

263805

1344128

1603363

410135

504151

(ii) Public sectors

104560

84635

622454

686018

251131

256439

(iii) Banks

14

215

3802

23737

8321

30018

(iv) Others

225158

240554

1466558

1709693

525055

600688

7C.II. Advances outside India

-

-

-

-

293824

239238

8. Fixed Assets

7723

6842

75847

88470

33900

34318

(0.6)

(0.5)

(1.0)

(1.0)

(1.1)

(1.0)

8.1. Premises

4334

4192

51969

54910

26101

25597

8.2. Fixed assets under construction

-

-

-

-

-

584

8.2. Other Fixed assets

3389

2650

23877

33560

7799

8137

9. Other Assets

81544

76540

318128

300175

147897

144465

(5.9)

(5.3)

(4.4)

(3.5)

(4.7)

(4.2)

9.1. Inter - office adjustments (net)

-

5740

-

106789

965

-

9.2. Interest accrued

24704

22553

102024

6803

43647

42401

9.3. Tax paid

18818

15953

43896

22732

2726

2553

9.4. Stationery and Stamps

330

282

2551

704

739

727

9.5. Others

37692

32012

169657

163148

99820

98783

Total Assets

1375357

1449091

7291466

8622180

3175619

3443543

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on March 31

Items

UCO Bank

Union Bank of India

United Bank of India

2002

2003

2002

2003

2002

2003

(31)

(32)

(33)

(34)

(35)

(36)

1. Capital

226452

59936

33800

46012

181087

181087

(7.2)

(1.7)

(0.8)

(0.9)

(8.0)

(7.5)

2. Reserves and Surplus

49695

60629

176902

210671

15332

15087

(1.6)

(1.7)

(4.0)

(4.1)

(0.7)

(0.6)

2.1. Statutory Reserves

7328

12515

65874

82455

1087

1087

2.2. Capital Reserves

1553

34016

868

887

14245

14000

2.3. Share Premium

-

-

4

9791

-

-

2.4. Investments Fluctuations Reserves

9661

12661

14998

31400

-

-

2.5. Revenue and other Reserves

31153

543

95158

82073

-

-

2.6. Balance of Profit

-

894

-

4066

-

-

3. Deposits

2684877

3134339

3979386

4474862

1961066

2103129

(85.6)

(89.8)

(89.7)

(87.6)

(86.1)

(86.7)

Type-wise

3A.1. Demand deposits

306772

308368

665449

503624

179338

198108

(i) From banks

19073

15933

15252

13644

11008

14780

(ii) From others

287699

292436

650197

489980

168330

183328

3A.2. Savings bank deposits

681232

789129

970102

1117167

607316

700284

3A.3. Term deposits

1696873

2036841

2343835

2854071

1174412

1204736

(i) From banks

151580

143158

78287

76447

119285

85811

(ii) From others

1545293

1893683

2265548

2777624

1055127

1118926

Location-wise

3B.1. Deposits of branches in India

2522412

2974115

3979386

4474862

1961066

2103129

3B.2. Deposits of branches outside India

162465

160224

-

-

-

-

4. Borrowings

39631

40721

5330

44207

8823

5772

(1.3)

(1.2)

(0.1)

(0.9)

(0.4)

(0.2)

4.1. Borrowings in India

38821

24634

5330

39814

8459

5168

(i) From Reserve Bank of India

12404

-

-

-

-

-

(ii) From other banks

323

1176

369

38101

51

63

(iii) From other institutions and agencies

26094

23458

4961

1714

8409

5105

4.2. Borrowings outside India

810

16087

-

4393

364

604

Secured borrowing included in 4.

-

23458

-

1714

-

-

5. Other liabilities

137482

195782

242078

330297

111330

121993

(4.4)

(5.6)

(5.5)

(6.5)

(4.9)

(5.0)

5.1. Bills Payable

17747

26843

52162

56841

40947

37818

5.2. Inter-office adjustments

2904

35745

-

10866

2489

22949

5.3. Interest accrued

21050

23294

22153

20723

18996

23848

5.4. Others (including provisions)

95781

109901

167763

241867

48898

37379

Total Liabilities

3138137

3491408

4437496

5106049

2277638

2427068

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on March 31

Items

UCO Bank

Union Bank of India

United Bank of India

2002

2003

2002

2003

2002

2003

(31)

(32)

(33)

(34)

(35)

(36)

1. Cash in hand

21408

24990

16331

16283

13615

13538

(0.7)

(0.7)

(0.4)

(0.3)

(0.6)

(0.6)

2. Balances with RBI

111972

188391

222937

208441

138222

156499

(3.6)

(5.4)

(5.0)

(4.1)

(6.1)

(6.4)

3. Balances with banks in India

84713

72543

103890

133771

26286

35393

(2.7)

(2.1)

(2.3)

(2.6)

(1.2)

(1.5)

4. Money at call and short notice

33096

5159

10000

-

-

3714

(1.1)

(0.1)

(0.2)

-

-

(0.2)

5. Balances with banks outside India

24629

22659

137422

31468

2258

214

(0.8)

(0.6)

(3.1)

(0.6)

(0.1)

(0.0)

6. Investments

1230184

1413751

1540969

1937079

1165643

1263937

(39.2)

(40.5)

(34.7)

(37.9)

(51.2)

(52.1)

6.1. Investments in India

1181105

1345422

1540958

1937068

1165642

1263936

(i) Government securities

817980

947893

1073647

1398005

888027

1009306

(ii)Other approved securities

64057

55071

84952

74466

43970

41515

(iii) Shares

7579

8240

14331

13218

818

2191

(iv) Debentures and Bonds

262008

255618

327711

408824

225656

204221

(v) Subsidiaries and/or joint ventures

1396

-

1916

1916

2305

2305

(vi) Others

28085

78600

38401

40639

4866

4398

6.2. Investments outside India

49079

68329

11

11

1

1

(i) Government securities

33401

39195

-

-

-

-

(ii) Subsidiaries and/or joint ventures

-

-

-

-

-

-

(iii) Others

15678

29133

11

11

1

1

7. Advances

1280537

1592310

2138331

2551484

682271

735169

(40.8)

(45.6)

(48.2)

(50.0)

(30.0)

(30.3)

Type-wise

7A.1. Bills purchased and discounted

159095

203817

129898

133349

68675

50238

7A.2. Cash credits, overdrafts & loans

599156

707268

1371959

1552891

361080

337714

7A.3. Term loans

522286

681226

636474

865245

252517

347217

Security-wise

7B.1. Secured by tangible assets

998870

1297162

1879998

2247583

504339

549230

7B.2. Covered by Bank/ Government Guarantees

112255

136327

70941

50987

128350

87929

7B.3. Unsecured

169412

158821

187392

252915

49583

98010

Sector-wise

7C. I. Advances in India

1179722

1488010

2138331

2551484

682271

735169

(i) Priority sectors

397546

484411

704635

954134

132653

199432

(ii) Public sectors

263105

185145

368274

369090

284069

297976

(iii) Banks

3231

469

353

93

130

0

(iv) Others

515840

817985

1065069

1228166

265419

237761

7C.II. Advances outside India

100815

104300

-

-

-

-

8. Fixed Assets

39518

37346

75475

73329

19578

18738

(1.3)

(1.1)

(1.7)

(1.4)

(0.9)

(0.8)

8.1. Premises

35015

33041

58993

58238

14901

14701

8.2. Fixed assets under construction

-

-

-

-

432

263

8.2. Other Fixed assets

4503

4305

16482

15091

4244

3774

9. Other Assets

312080

134258

192141

154193

229766

199865

(9.9)

(3.8)

(4.3)

(3.0)

(10.1)

(8.2)

9.1. Inter - office adjustments (net)

-

-

22159

-

-

-

9.2. Interest accrued

59582

69322

63386

63057

47968

47237

9.3. Tax paid

5800

3498

40326

49452

2023

1998

9.4. Stationery and Stamps

280

328

83

76

426

342

9.5. Others

246418

61110

66187

41607

179350

150288

Total Assets

3138137

3491408

4437496

5106049

2277638

2427068

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on March 31

Items

Vijaya Bank

2002

2003

(37)

(38)

1. Capital

33352

33352

(2.1)

(1.7)

2. Reserves and Surplus

32951

47775

(2.0)

(2.5)

2.1. Statutory Reserves

7756

12673

2.2. Capital Reserves

-

-

2.3. Share Premium

-

-

2.4. Investments Fluctuations Reserves

5776

13048

2.5. Revenue and other Reserves

7648

7019

2.6. Balance of Profit

11771

15036

3. Deposits

1468051

1701981

(90.9)

(89.2)

Type-wise

3A.1. Demand deposits

186607

196909

(i) From banks

6582

4995

(ii) From others

180025

191914

3A.2. Savings bank deposits

289462

351113

3A.3. Term deposits

991983

1153959

(i) From banks

7864

13872

(ii) From others

984118

1140087

Location-wise

3B.1. Deposits of branches in India

1468051

1701981

3B.2. Deposits of branches outside India

-

-

4. Borrowings

8807

32082

(0.5)

(1.7)

4.1. Borrowings in India

6394

25216

(i) From Reserve Bank of India

3262

-

(ii) From other banks

31

8

(iii) From other institutions and agencies

3101

25208

4.2. Borrowings outside India

2413

6866

Secured borrowing included in 4.

-

-

5. Other liabilities

71289

92747

(4.4)

(4.9)

5.1. Bills Payable

30575

30763

5.2. Inter-office adjustments

-

-

5.3. Interest accrued

4126

4224

5.4. Others (including provisions)

36588

57760

Total Liabilities

1614450

1907937

(100.0)

(100.0)

(Amount in Rs. lakh)

As on March 31

Items

Vijaya Bank

2002

2003

(37)

(38)

1. Cash in hand

9384

9752

(0.6)

(0.5)

2. Balances with RBI

93234

98875

(5.8)

(5.2)

3. Balances with banks in India

36187

38492

(2.2)

(2.0)

4. Money at call and short notice

17000

10000

(1.1)

(0.5)

5. Balances with banks outside India

9718

3229

(0.6)

(0.2)

6. Investments

736073

886161

(45.6)

(46.4)

6.1. Investments in India

736073

886161

(i) Government securities

556707

701232

(ii)Other approved securities

15423

14171

(iii) Shares

3148

3202

(iv) Debentures and Bonds

149483