TABLE B1 : LIABILITIES AND ASSETS OF SCHEDULED COMMERCIAL BANKS: 2002 AND 2003

OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)

As on March 31

Items

Bank of Punjab

Bank of Rajasthan

Bharat Overseas Bank

2002

2003

2002

2003

2002

2003

(1)

(2)

(3)

(4)

(5)

(6)

1. Capital

10500

10500

10037

10597

1575

1575

(2.7)

(2.4)

(2.1)

(1.7)

(0.7)

(0.6)

2. Reserves and Surplus

8634

10958

13333

17925

10728

12455

(2.2)

(2.6)

(2.8)

(2.9)

(5.1)

(5.1)

2.1. Statutory Reserves

5800

6600

6739

8450

3449

4324

2.2. Capital Reserves

190

1591

27

2285

-

-

2.3. Share Premium

-

-

3785

3785

-

-

2.4. Investments Fluctuations Reserves

1152

1652

450

2130

774

1474

2.5. Revenue and other Reserves

101

101

2285

520

6402

6561

2.6. Balance of Profit

1391

1014

47

755

104

97

3. Deposits

335357

358960

395998

529924

182326

214910

(86.4)

(83.7)

(82.4)

(86.5)

(86.5)

(88.1)

Type-wise

3A.1. Demand deposits

41169

45988

75493

83220

14667

15338

(i) From banks

1154

1848

2009

1649

261

135

(ii) From others

40015

44140

73484

81571

14406

15203

3A.2. Savings bank deposits

49090

67674

94432

107914

27373

31610

3A.3. Term deposits

245098

245298

226073

338791

140286

167961

(i) From banks

40025

36855

7513

57756

5268

7823

(ii) From others

205073

208443

218561

281035

135018

160138

Location-wise

3B.1. Deposits of branches in India

335357

358960

395998

529924

159735

188980

3B.2. Deposits of branches outside India

-

-

-

-

22591

25930

4. Borrowings

5799

14228

2996

1721

7947

5565

(1.5)

(3.3)

(0.6)

(0.3)

(3.8)

(2.3)

4.1. Borrowings in India

5465

12804

2934

1703

7407

5280

(i) From Reserve Bank of India

1832

-

-

-

700

375

(ii) From other banks

-

4700

17

45

6700

4900

(iii) From other institutions and agencies

3633

8104

2917

1658

7

5

4.2. Borrowings outside India

333

1425

63

18

540

285

Secured borrowing included in 4.

-

-

-

45

-

-

5. Other liabilities

27998

34026

57975

52786

8117

9524

(7.2)

(7.9)

(12.1)

(8.6)

(3.9)

(3.9)

5.1. Bills Payable

5804

9330

4986

6137

1046

1394

5.2. Inter-office adjustments

2620

-

3422

1943

851

-967

5.3. Interest accrued

3055

2767

33406

24253

883

904

5.4. Others (including provisions)

16519

21929

16162

20452

5337

8193

Total Liabilities

388288

428673

480339

612952

210694

244029

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on March 31

Items

Bank of Punjab

Bank of Rajasthan

Bharat Overseas Bank

2002

2003

2002

2003

2002

2003

(1)

(2)

(3)

(4)

(5)

(6)

1. Cash in hand

3146

4212

4402

6323

1448

1319

(0.8)

(1.0)

(0.9)

(1.0)

(0.7)

(0.5)

2. Balances with RBI

20632

36384

30893

31542

8359

7977

(5.3)

(8.5)

(6.4)

(5.1)

(4.0)

(3.3)

3. Balances with banks in India

23797

12038

27736

56756

21065

20371

(6.1)

(2.8)

(5.8)

(9.3)

(10.0)

(8.3)

4. Money at call and short notice

-

-

7892

5475

-

1772

-

-

(1.6)

(0.9)

-

(0.7)

5. Balances with banks outside India

2109

327

963

614

13357

4553

(0.5)

(0.1)

(0.2)

(0.1)

(6.3)

(1.9)

6. Investments

137127

148491

188368

264255

66754

81196

(35.3)

(34.6)

(39.2)

(43.1)

(31.7)

(33.3)

6.1. Investments in India

137127

148491

188368

264255

58271

72744

(i) Government securities

104965

110192

117732

188474

47264

57079

(ii)Other approved securities

-

-

20986

20271

2164

1794

(iii) Shares

3118

2036

980

1276

46

38

(iv) Debentures and Bonds

28945

15176

33639

37016

8121

12365

(v) Subsidiaries and/or joint ventures

-

-

447

35

-

-

(vi) Others

99

21088

14584

17183

676

1468

6.2. Investments outside India

-

-

-

-

8483

8452

(i) Government securities

-

-

-

-

8437

8415

(ii) Subsidiaries and/or joint ventures

-

-

-

-

-

-

(iii) Others

-

-

-

-

46

38

7. Advances

161148

179713

195596

222124

90056

115309

(41.5)

(41.9)

(40.7)

(36.2)

(42.7)

(47.3)

Type-wise

7A.1. Bills purchased and discounted

7122

10739

18006

22200

16563

16626

7A.2. Cash credits, overdrafts & loans

60957

63930

107597

104836

53811

66873

7A.3. Term loans

93069

105044

69994

95089

19682

31810

Security-wise

7B.1. Secured by tangible assets

129189

138449

150842

166468

64990

96507

7B.2. Covered by Bank/ Government Guarantees

10760

21382

28057

30036

13656

4405

7B.3. Unsecured

21200

19881

16697

25620

11411

14397

Sector-wise

7C. I. Advances in India

161148

179713

195596

222124

69793

93004

(i) Priority sectors

20846

28385

56044

49600

19164

26187

(ii) Public sectors

39006

44786

29303

25157

-

-

(iii) Banks

5007

5004

0

4

7663

1440

(iv) Others

96289

101538

110249

147364

42966

65378

7C.II. Advances outside India

-

-

-

-

20264

22305

8. Fixed Assets

18351

19089

6167

8004

2855

2950

(4.7)

(4.5)

(1.3)

(1.3)

(1.4)

(1.2)

8.1. Premises

805

851

3705

4938

1988

354

8.2. Fixed assets under construction

3811

3045

88

-

-

1607

8.2. Other Fixed assets

13735

15193

2375

3066

867

988

9. Other Assets

21977

28420

18321

17858

6801

8581

(5.7)

(6.6)

(3.8)

(2.9)

(3.2)

(3.5)

9.1. Inter - office adjustments (net)

-

-

-

-

-

-

9.2. Interest accrued

3661

4296

7144

9800

1956

2078

9.3. Tax paid

1630

2187

2433

1877

1753

2115

9.4. Stationery and Stamps

64

133

170

177

113

115

9.5. Others

16623

21803

8574

6005

2978

4273

Total Assets

388288

428673

480339

612952

210694

244029

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on March 31

Items

Catholic Syrian Bank

Centurion Bank

City Union Bank

2002

2003

2002

2003

2002

2003

(7)

(8)

(9)

(10)

(11)

(12)

1. Capital

1055

1058

15247

15247

2400

2400

(0.3)

(0.3)

(3.7)

(4.5)

(1.1)

(0.9)

2. Reserves and Surplus

9427

12944

2335

2335

11822

14077

(2.7)

(3.4)

(0.6)

(0.7)

(5.3)

(5.4)

2.1. Statutory Reserves

3116

4471

2335

2335

7881

8874

2.2. Capital Reserves

1235

1286

-

-

276

287

2.3. Share Premium

1130

1136

-

-

2018

2018

2.4. Investments Fluctuations Reserves

1491

-

-

-

-

-

2.5. Revenue and other Reserves

2221

5753

-

-

1646

2896

2.6. Balance of Profit

234

299

-

-

1

2

3. Deposits

319137

350620

353499

283471

197371

231737

(91.7)

(90.8)

(85.3)

(83.7)

(88.5)

(88.1)

Type-wise

3A.1. Demand deposits

19623

18651

34083

29517

19800

21916

(i) From banks

8

184

4987

3548

36

27

(ii) From others

19615

18467

29096

25969

19764

21889

3A.2. Savings bank deposits

49953

59908

25857

30366

22169

26074

3A.3. Term deposits

249561

272061

293559

223588

155402

183748

(i) From banks

250

-

71878

37497

600

379

(ii) From others

249311

272061

221681

186091

154802

183369

Location-wise

3B.1. Deposits of branches in India

319137

350620

353499

283471

197371

231737

3B.2. Deposits of branches outside India

-

-

-

-

-

-

4. Borrowings

1565

152

9191

6048

1047

1116

(0.4)

(0.0)

(2.2)

(1.8)

(0.5)

(0.4)

4.1. Borrowings in India

1350

148

9171

5573

1047

1116

(i) From Reserve Bank of India

820

-

-

-

570

-

(ii) From other banks

-

1

7574

5544

-

-

(iii) From other institutions and agencies

530

147

1597

29

477

1116

4.2. Borrowings outside India

215

4

20

475

-

-

Secured borrowing included in 4.

-

1

-

900

-

166

5. Other liabilities

16682

21488

34353

31446

10364

13623

(4.8)

(5.6)

(8.3)

(9.3)

(4.6)

(5.2)

5.1. Bills Payable

940

1002

5318

4706

3886

3674

5.2. Inter-office adjustments

2744

3628

-

-

-

815

5.3. Interest accrued

2036

2178

4625

3093

909

886

5.4. Others (including provisions)

10962

14681

24410

23647

5569

8249

Total Liabilities

347866

386262

414625

338547

223004

262954

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

As on March 31

Items

Catholic Syrian Bank

Centurion Bank

City Union Bank

2002

2003

2002

2003

2002

2003

(7)

(8)

(9)

(10)

(11)

(12)

1. Cash in hand

2785

2728

3432

4247

3569

3183

(0.8)

(0.7)

(0.8)

(1.3)

(1.6)

(1.2)

2. Balances with RBI

17866

18612

27160

17737

10809

12184

(5.1)

(4.8)

(6.6)

(5.2)

(4.8)

(4.6)

3. Balances with banks in India

44546

16927

29905

25267

3713

2301

(12.8)

(4.4)

(7.2)

(7.5)

(1.7)

(0.9)

4. Money at call and short notice

-

-

1369

1121

-

-

-

-

(0.3)

(0.3)

-

-

5. Balances with banks outside India

8874

876

-

475

1418

101

(2.6)

(0.2)

-

(0.1)

(0.6)

(0.0)

6. Investments

135733

180930

122722

99925

91120

109920

(39.0)

(46.8)

(29.6)

(29.5)

(40.9)

(41.8)

6.1. Investments in India

135733

180930

122722

99925

91120

109920

(i) Government securities

105576

153236

100079

89372

79402

97889

(ii)Other approved securities

4822

4298

25

25

2883

2347

(iii) Shares

474

390

17582

2768

466

438

(iv) Debentures and Bonds

21146

18404

4728

7454

8369

9246

(v) Subsidiaries and/or joint ventures

-

-

-

-

-

-

(vi) Others

3715

4603

308

306

-

-

6.2. Investments outside India

-

-

-

-

-

-

(i) Government securities

-

-

-

-

-

-

(ii) Subsidiaries and/or joint ventures

-

-

-

-

-

-

(iii) Others

-

-

-

-

-

-

7. Advances

121093

147070

162597

131372

101105

121447

(34.8)

(38.1)

(39.2)

(38.8)

(45.3)

(46.2)

Type-wise

7A.1. Bills purchased and discounted

7533

11219

19690

8472

6778

7150

7A.2. Cash credits, overdrafts & loans

56204

70648

47202

36527

65109

78872

7A.3. Term loans

57356

65203

95705

86373

29218

35426

Security-wise

7B.1. Secured by tangible assets

113714

140122

130098

110772

88468

115155

7B.2. Covered by Bank/ Government Guarantees

759

657

8731

4728

7858

65

7B.3. Unsecured

6620

6291

23768

15872

4779

6227

Sector-wise

7C. I. Advances in India

121093

147070

162597

131372

101105

121447

(i) Priority sectors

30883

30599

31135

31151

34067

47273

(ii) Public sectors

221

6286

7400

-

-

-

(iii) Banks

-

-

3607

628

-

-

(iv) Others

89989

110185

120455

99593

67038

74174

7C.II. Advances outside India

-

-

-

-

-

-

8. Fixed Assets

2462

2522

32199

23034

1706

1667

(0.7)

(0.7)

(7.8)

(6.8)

(0.8)

(0.6)

8.1. Premises

1491

1581

5140

5003

974

939

8.2. Fixed assets under construction

224

-

10103

-

-

-

8.2. Other Fixed assets

747

941

16956

18031

732

728

9. Other Assets

14506

16597

35241

35369

9564

12152

(4.2)

(4.3)

(8.5)

(10.4)

(4.3)

(4.6)

9.1. Inter - office adjustments (net)

-

-

-

-

79

-

9.2. Interest accrued

7878

8146

7420

4584

3181

3539

9.3. Tax paid

3392

4477

5985

7916

4321

6893

9.4. Stationery and Stamps

108

106

32

26

25

37

9.5. Others

3128

3868

21804

22843

1958

1683

Total Assets

347865

386262

414625

338547

223004

262954

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on March 31

Items

Development Credit Bank

Dhanalakshmi Bank

Federal Bank

2002

2003

2002

2003

2002

2003

(13)

(14)

(15)

(16)

(17)

(18)

1. Capital

2297

2815

4122

3206

2172

2172

(0.5)

(0.6)

(2.2)

(1.5)

(0.2)

(0.2)

2. Reserves and Surplus

30141

21820

7116

8832

42707

50775

(7.2)

(4.9)

(3.8)

(4.2)

(4.2)

(4.2)

2.1. Statutory Reserves

6780

7645

1923

2374

17756

20908

2.2. Capital Reserves

3991

2638

615

666

2680

5449

2.3. Share Premium

4692

6245

2917

3832

14897

14898

2.4. Investments Fluctuations Reserves

30

1055

200

900

7121

9203

2.5. Revenue and other Reserves

14625

4193

1460

1059

10

87

2.6. Balance of Profit

23

44

1

1

243

231

3. Deposits

369176

365709

165724

183789

886531

1094742

(88.1)

(82.9)

(87.8)

(87.3)

(87.4)

(89.7)

Type-wise

3A.1. Demand deposits

27401

27247

12407

19603

67351

58771

(i) From banks

238

141

94

223

15880

7520

(ii) From others

27162

27106

12313

19380

51472

51252

3A.2. Savings bank deposits

29540

34857

21732

25244

134195

172722

3A.3. Term deposits

312235

303606

131585

138942

684984

863249

(i) From banks

85993

78056

1675

1870

23487

29747

(ii) From others

226243

225550

129910

137072

661497

833501

Location-wise