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Date : Jan 13, 2004

B1. Liabilities and Assets of Scheduled Commercial Banks: 2002 and 2003 (Part 10 of 10)

					(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
5.4. Others (including provisions)	4421	5346	13207	18268	10777	75704
Total Liabilities	427878	472165	513446	597163	1437451	1961318
	(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. Cash in hand	10100	5871	5138	6288	6844	11257
	(2.4)	(1.2)	(1.0)	(1.1)	(0.5)	(0.6)

2. Balances with RBI	21677	21197	18221	27934	105488	148746
	(5.1)	(4.5)	(3.5)	(4.7)	(7.3)	(7.6)

3. Balances with banks in India	8509	9694	20119	20951	12336	147494
	(2.0)	(2.1)	(3.9)	(3.5)	(0.9)	(7.5)

4. Money at call and short notice	-	-	-	2508	45796	43425
	-	-	-	(0.4)	(3.2)	(2.2)

5. Balances with banks outside India	2362	1674	3697	1568	4680	6049
	(0.6)	(0.4)	(0.7)	(0.3)	(0.3)	(0.3)

6. Investments	181572	214211	167813	191506	663022	784102
	(42.4)	(45.4)	(32.7)	(32.1)	(46.1)	(40.0)

6.1. Investments in India	181572	214211	167813	191506	663022	784102
(i) Government securities	99530	103117	112599	139432	364910	463235
(ii)Other approved securities	4867	5991	4067	3348	-	-
(iii) Shares	73	79	4101	2598	19478	20467
(iv) Debentures and Bonds	76820	104770	37845	34867	179758	296043
(v) Subsidiaries and/or joint ventures	-	-	8	8	-	-
(vi) Others	282	254	9193	11252	98876	4357
6.2. Investments outside India	-	-	-	-	-	-
(i) Government securities	-	-	-	-	-	-
(ii) Subsidiaries and/or joint ventures	-	-	-	-	-	-
(iii) Others	-	-	-	-	-	-

7. Advances	177266	195998	265768	314545	535230	717992
	(41.4)	(41.5)	(51.8)	(52.7)	(37.2)	(36.6)
Type-wise
7A.1. Bills purchased and discounted	14174	16814	24544	65660	16594	20988
7A.2. Cash credits, overdrafts & loans	107237	121530	153761	163632	259656	306139
7A.3. Term loans	55855	57654	87463	85253	258980	390865
Security-wise
7B.1. Secured by tangible assets	169172	184721	229740	239080	422582	631741
7B.2. Covered by Bank/ Government Guarantees	828	1689	15540	43215	6661	5826
7B.3. Unsecured	7266	9588	20488	32251	105987	80425
Sector-wise
7C. I. Advances in India	177266	195998	265768	314545	535230	717992
(i) Priority sectors	70339	79988	113112	126097	86752	163926
(ii) Public sectors	-	-	11833	4847	1300	11147
(iii) Banks	-	-	1850	39000	332	-
(iv) Others	106927	116010	138972	144601	446846	542919
7C.II. Advances outside India	-	-	-	-	-	-

8. Fixed Assets	4876	4940	10820	11206	26047	30551
	(1.1)	(1.0)	(2.1)	(1.9)	(1.8)	(1.6)

8.1. Premises	2756	2864	7707	7846	763	728
8.2. Fixed assets under construction	-	-	747	-	7009	2346
8.2. Other Fixed assets	2120	2076	2365	3359	18275	27477

9. Other Assets	21516	18581	21870	20658	38008	71702
	(5.0)	(3.9)	(4.3)	(3.5)	(2.6)	(3.7)

9.1. Inter - office adjustments (net)	-	-	2833	-	-	-
9.2. Interest accrued	6885	8041	6571	6075	16370	20866
9.3. Tax paid	2924	-	7650	4998	4667	5485
9.4. Stationery and Stamps	10	17	245	270	68	62
9.5. Others	11697	10523	4571	9316	16903	45289
Total Assets	427878	472165	513446	597163	1437451	1961318
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

Note: Figures in brackets indicate percent share in total.

Source: Annual accounts of banks of respective years.