|
(Amount in Rs. lakh)
|
| |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
As on March
|
31
|
|
|
| |
|
|
|
Syndicate
|
|
UCO
|
|
Union
|
Bank of
|
| |
|
|
|
|
Bank
|
|
Bank
|
|
India
|
| |
|
|
Items
|
|
|
|
|
|
|
|
| |
|
|
|
2004
|
2005
|
2004
|
|
2005
|
2004
|
2005
|
| |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
(31)
|
(32)
|
(33)
|
|
(34)
|
(35)
|
(36)
|
| |
|
|
|
|
|
|
|
|
|
|
|
1.
|
Capital
|
47195
|
47197
|
79936
|
|
79936
|
46012
|
46012
|
| |
|
|
|
(1.0)
|
(0.9)
|
(1.8)
|
|
(1.5)
|
(0.8)
|
(0.6)
|
| |
|
|
|
|
|
|
|
|
|
|
|
2.
|
Reserves and Surplus
|
143331
|
172655
|
98369
|
124951
|
262703
|
315432
|
| |
|
|
|
(3.0)
|
(3.3)
|
(2.2)
|
|
(2.3)
|
(4.5)
|
(4.4)
|
| |
2.1.
|
|
Statutory Reserves
|
42556
|
52629
|
23400
|
|
32042
|
103900
|
125500
|
| |
2.2.
|
|
Capital Reserves
|
1576
|
1576
|
4674
|
|
33379
|
1202
|
9041
|
| |
2.3.
|
|
Share Premium
|
—
|
—
|
4000
|
|
4000
|
9791
|
9791
|
| |
2.4.
|
|
Investments Fluctuations Reserves
|
41890
|
41913
|
32961
|
|
39161
|
54000
|
55500
|
| |
2.5.
|
|
Revenue and other Reserves
|
55966
|
57014
|
29722
|
|
1043
|
86066
|
111501
|
| |
2.6.
|
|
Balance of Profit
|
1343
|
19523
|
3612
|
|
15326
|
7744
|
4099
|
| |
|
|
|
|
|
|
|
|
|
|
|
3.
|
Deposits
|
4258482
|
4629457
|
3924426
|
4947023
|
5055894
|
6183058
|
| |
|
|
|
(90.2)
|
(88.8)
|
(89.6)
|
|
(90.6)
|
(86.7)
|
(85.4)
|
| |
|
|
|
|
|
|
|
|
|
|
| |
Type-wise
|
|
|
|
|
|
|
|
| |
3A.1.
|
Demand deposits
|
405224
|
498138
|
342723
|
394532
|
500390
|
501013
|
| |
|
|
(i) From banks
|
13583
|
14446
|
17483
|
|
14652
|
14904
|
23671
|
| |
|
|
(ii) From others
|
391641
|
483692
|
325240
|
379880
|
485486
|
477342
|
| |
3A.2.
|
Savings bank deposits
|
1038573
|
1217113
|
928940
|
1051580
|
1308429
|
1519712
|
| |
3A.3.
|
Term deposits
|
2814685
|
2914206
|
2652763
|
3500911
|
3247075
|
4162333
|
| |
|
|
(i) From banks
|
264100
|
241381
|
173422
|
309568
|
78054
|
111510
|
| |
|
|
(ii) From others
|
2550585
|
2672825
|
2479341
|
3191343
|
3169021
|
4050823
|
| |
|
|
|
|
|
|
|
|
|
|
| |
Location-wise
|
|
|
|
|
|
|
|
| |
3B.1.
|
Deposits of branches in India
|
4025199
|
4370592
|
3746773
|
4727721
|
5055893
|
6183059
|
| |
3B.2.
|
Deposits of branches outside India
|
233283
|
258864
|
177653
|
219303
|
—
|
—
|
| |
|
|
|
|
|
|
|
|
|
|
|
4.
|
Borrowings
|
22245
|
32200
|
38637
|
|
29959
|
93424
|
202096
|
| |
|
|
|
(0.5)
|
(0.6)
|
(0.9)
|
|
(0.5)
|
(1.6)
|
(2.8)
|
| |
4.1.
|
|
Borrowings in India
|
2531
|
1831
|
16469
|
|
11415
|
3386
|
78765
|
| |
|
|
(i) From Reserve Bank of India
|
—
|
—
|
—
|
|
5000
|
—
|
—
|
| |
|
|
(ii) From other banks
|
1043
|
355
|
127
|
|
355
|
1989
|
644
|
| |
|
|
(iii) From other institutions and agencies
|
1488
|
1476
|
16342
|
|
6060
|
1397
|
78121
|
| |
4.2.
|
|
Borrowings outside India
|
19714
|
30369
|
22168
|
|
18544
|
90038
|
123331
|
| |
Secured borrowing included in 4.
|
—
|
—
|
21154
|
|
6060
|
1397
|
50706
|
| |
|
|
|
|
|
|
|
|
|
|
|
5.
|
Other liabilities
|
251064
|
329435
|
238413
|
277077
|
373636
|
494726
|
| |
|
|
|
(5.3)
|
(6.3)
|
(5.4)
|
|
(5.1)
|
(6.4)
|
(6.8)
|
| |
5.1.
|
|
Bills Payable
|
80590
|
130885
|
25592
|
|
27983
|
70584
|
70798
|
| |
5.2.
|
|
Inter-office adjustments
|
—
|
—
|
37346
|
|
35049
|
19610
|
12691
|
| |
5.3.
|
|
Interest accrued
|
20099
|
22403
|
23042
|
|
25854
|
20411
|
21465
|
| |
5.4.
|
|
Others (including provisions)
|
150375
|
176147
|
152433
|
188191
|
263031
|
389772
|
| |
|
|
|
|
|
|
|
|
|
|
| |
Total
|
Liabilities
|
4722317
|
5210944
|
4379781
|
5458946
|
5831669
|
7241324
|
| |
|
|
|
(100.0)
|
(100.0)
|
(100.0)
|
|
(100.0)
|
(100.0)
|
(100.0)
|
| |
|
|
|
|
|
|
|
|
|
|
|
Note:Figures
in brackets indicate per cent share in total.
Source:Annual accounts of banks of respective years .
|
|
(Amount in Rs. lakh)
|
| |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
As on March 31
|
| |
|
|
|
Syndicate
|
|
UCO
|
|
Union Bank of
|
| |
|
|
|
|
Bank
|
|
Bank
|
|
India
|
| |
|
|
Items
|
|
|
|
|
|
|
|
| |
|
|
|
2004
|
2005
|
2004
|
|
2005
|
2004
|
2005
|
| |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
(31)
|
(32)
|
(33)
|
|
(34)
|
(35)
|
(36)
|
| |
|
|
|
|
|
|
|
|
|
|
|
1.
|
Cash
|
in hand
|
15292
|
17219
|
25597
|
|
25946
|
15255
|
16976
|
| |
|
|
|
(0.3)
|
(0.3)
|
(0.6)
|
|
(0.5)
|
(0.3)
|
(0.2)
|
|
2.
|
Balances
|
with RBI
|
435427
|
251782
|
208607
|
271843
|
224748
|
347741
|
| |
|
|
|
(9.2)
|
(4.8)
|
(4.8)
|
|
(5.0)
|
(3.9)
|
(4.8)
|
|
3.
|
Balances
|
with banks in India
|
53151
|
15559
|
136240
|
183689
|
89533
|
112460
|
| |
|
|
|
(1.1)
|
(0.3)
|
(3.1)
|
|
(3.4)
|
(1.5)
|
(1.6)
|
|
4.
|
Money at
|
call and short notice
|
39500
|
15002
|
34432
|
124561
|
34500
|
98997
|
| |
|
|
|
(0.8)
|
(0.3)
|
(0.8)
|
|
(2.3)
|
(0.6)
|
(1.4)
|
|
5.
|
Balances
|
with banks outside India
|
114380
|
7396
|
13891
|
|
45397
|
20756
|
81022
|
| |
|
|
|
(2.4)
|
(0.1)
|
(0.3)
|
|
(0.8)
|
(0.4)
|
(1.1)
|
|
6.
|
Investments
|
1791660
|
2037074
|
1761148
|
1906437
|
2244203
|
2279280
|
| |
|
|
|
(37.9)
|
(39.1)
|
(40.2)
|
|
(34.9)
|
(38.5)
|
(31.5)
|
| |
6.1.
|
Investments in India
|
1771628
|
2024823
|
1699589
|
1860959
|
2244192
|
2279269
|
| |
|
(i)
|
Government securities
|
1598380
|
1859569
|
1320374
|
1535765
|
1591816
|
1583561
|
| |
|
(ii)
|
Other approved securities
|
27915
|
23594
|
50038
|
|
45403
|
70131
|
57546
|
| |
|
(iii)
|
Shares
|
8755
|
7165
|
9853
|
|
6546
|
15004
|
14531
|
| |
|
(iv)
|
Debentures and Bonds
|
91998
|
115188
|
226148
|
198319
|
511732
|
542839
|
| |
|
(v)
|
Subsidiaries and/or joint ventures
|
3335
|
3335
|
—
|
|
—
|
1916
|
1916
|
| |
|
(vi)
|
Others
|
41245
|
15972
|
93176
|
|
74926
|
53593
|
78876
|
| |
6.2.
|
Investments outside India
|
20032
|
12251
|
61559
|
|
45478
|
11
|
11
|
| |
|
(i)
|
Government securities
|
—
|
—
|
34152
|
|
27424
|
—
|
—
|
| |
|
(ii)
|
Subsidiaries and/or joint ventures
|
—
|
—
|
—
|
|
—
|
—
|
—
|
| |
|
(iii)
|
Others
|
20032
|
12251
|
27407
|
|
18054
|
11
|
11
|
|
7.
|
Advances
|
|
2064693
|
2672921
|
2062644
|
2765571
|
2942591
|
4010508
|
| |
|
|
|
(43.7)
|
(51.3)
|
(47.1)
|
|
(50.7)
|
(50.5)
|
(55.4)
|
| |
Type-wise
|
|
|
|
|
|
|
|
|
| |
7A.1.
|
Bills
|
purchased and discounted
|
82141
|
77687
|
219258
|
258249
|
164813
|
227194
|
| |
7A.2.
|
Cash credits, overdrafts & loans
|
1112055
|
1268548
|
827304
|
1078682
|
1632767
|
2136173
|
| |
7A.3.
|
Term loans
|
870497
|
1326686
|
1016082
|
1428640
|
1145011
|
1647141
|
| |
Security-wise
|
|
|
|
|
|
|
|
| |
7B.1.
|
Secured by tangible assets
|
1367807
|
1821796
|
1729804
|
2144499
|
2543014
|
3179677
|
| |
7B.2.
|
Covered by Bank/Government Guarantees
|
159670
|
172512
|
154046
|
318735
|
43358
|
79196
|
| |
7B.3.
|
Unsecured
|
537215
|
678612
|
178794
|
302336
|
356219
|
751634
|
| |
Sector-wise
|
|
|
|
|
|
|
|
| |
7C. I.
|
Advances in India
|
1734748
|
2337345
|
1933520
|
2608703
|
2942592
|
4010507
|
| |
|
(i)
|
Priority sectors
|
672539
|
969392
|
654953
|
1001391
|
1158432
|
1704297
|
| |
|
(ii)
|
Public sectors
|
278592
|
182466
|
207063
|
440831
|
415986
|
489305
|
| |
|
(iii)
|
Banks
|
20638
|
10879
|
591
|
|
1214
|
25116
|
12138
|
| |
|
(iv)
|
Others
|
762979
|
1174608
|
1070913
|
1165267
|
1343058
|
1804767
|
| |
7C.II.
|
Advances outside India
|
329944
|
335575
|
129124
|
156867
|
—
|
—
|
|
8.
|
Fixed
|
Assets
|
36371
|
38127
|
38535
|
|
40086
|
76679
|
82379
|
| |
|
|
|
(0.8)
|
(0.7)
|
(0.9)
|
|
(0.7)
|
(1.3)
|
(1.1)
|
| |
8.1.
|
Premises
|
26463
|
26254
|
32389
|
|
31907
|
58761
|
57384
|
| |
8.2.
|
Fixed assets under construction
|
480
|
630
|
—
|
|
—
|
—
|
866
|
| |
8.3.
|
Other Fixed assets
|
9428
|
11243
|
6146
|
|
8179
|
17918
|
24129
|
|
9.
|
Other Assets
|
171848
|
155864
|
98691
|
|
95419
|
183400
|
211962
|
| |
|
|
|
(3.6)
|
(3.0)
|
(2.3)
|
|
(1.7)
|
(3.1)
|
(2.9)
|
| |
9.1.
|
Inter
|
- office adjustments (net)
|
26735
|
22077
|
—
|
|
—
|
—
|
—
|
| |
9.2.
|
Interest accrued
|
42710
|
43189
|
46187
|
|
45463
|
61718
|
58808
|
| |
9.3.
|
Tax
|
paid
|
1068
|
18364
|
12298
|
|
19066
|
58933
|
86142
|
| |
9.4.
|
Stationery and Stamps
|
727
|
785
|
384
|
|
365
|
82
|
192
|
| |
9.5.
|
Others
|
100608
|
71449
|
39822
|
|
30525
|
62667
|
66820
|
| |
|
|
|
|
|
|
|
|
|
|
| |
Total
|
Assets
|
4722322
|
5210944
|
4379785
|
5458949
|
5831665
|
7241325
|
| |
|
|
|
(100.0)
|
(100.0)
|
(100.0)
|
|
(100.0)
|
(100.0)
|
(100.0)
|
|
(Amount in Rs. lakh)
|
| |
|
|
|
|
|
|
|
| |
|
|
|
As on March 31
|
| |
|
|
|
United
|
Bank of
|
|
Vijaya
|
| |
|
|
|
India
|
|
Bank
|
| |
|
|
Items
|
|
|
|
|
| |
|
|
|
2004
|
2005
|
2004
|
2005
|
| |
|
|
|
|
|
|
|
| |
|
|
|
(37)
|
(38)
|
(39)
|
(40)
|
| |
|
|
|
|
|
|
|
|
1.
|
Capital
|
181087
|
181087
|
43352
|
43352
|
| |
|
|
|
(7.0)
|
(6.2)
|
(1.8)
|
(1.5)
|
| |
|
|
|
|
|
|
|
|
2.
|
Reserves and Surplus
|
14854
|
14633
|
90201
|
115567
|
| |
|
|
|
(0.6)
|
(0.5)
|
(3.7)
|
(3.9)
|
| |
2.1.
|
|
Statutory Reserves
|
1087
|
1087
|
22959
|
32479
|
| |
2.2.
|
|
Capital Reserves
|
13767
|
13546
|
—
|
908
|
| |
2.3.
|
|
Share Premium
|
—
|
—
|
14000
|
14000
|
| |
2.4.
|
|
Investments Fluctuations Reserves
|
—
|
—
|
32244
|
32300
|
| |
2.5.
|
|
Revenue and other Reserves
|
—
|
—
|
10540
|
11803
|
| |
2.6.
|
|
Balance of Profit
|
—
|
—
|
10458
|
24077
|
| |
|
|
|
|
|
|
|
|
3.
|
Deposits
|
2275821
|
2534838
|
2101506
|
2561798
|
| |
|
|
|
(88.1)
|
(87.1)
|
(87.3)
|
(87.3)
|
| |
|
|
|
|
|
|
|
| |
Type-wise
|
|
|
|
|
| |
3A.1.
|
Demand deposits
|
217378
|
268478
|
202886
|
294455
|
| |
|
|
(i) From banks
|
14682
|
11005
|
5124
|
9226
|
| |
|
|
(ii) From others
|
202696
|
257473
|
197762
|
285229
|
| |
3A.2.
|
Savings bank deposits
|
802924
|
912223
|
444731
|
539601
|
| |
3A.3.
|
Term deposits
|
1255519
|
1354137
|
1453889
|
1727742
|
| |
|
|
(i) From banks
|
79214
|
69890
|
13679
|
15630
|
| |
|
|
(ii) From others
|
1176305
|
1284247
|
1440210
|
1712112
|
| |
|
|
|
|
|
|
|
| |
Location-wise
|
|
|
|
|
| |
3B.1.
|
Deposits of branches in India
|
2275821
|
2534839
|
2101505
|
2561798
|
| |
3B.2.
|
Deposits of branches outside India
|
—
|
—
|
—
|
—
|
| |
|
|
|
|
|
|
|
|
4.
|
Borrowings
|
2948
|
2698
|
33665
|
64083
|
| |
|
|
|
(0.1)
|
(0.1)
|
(1.4)
|
(2.2)
|
| |
4.1.
|
|
Borrowings in India
|
2948
|
2698
|
7959
|
10113
|
| |
|
|
(i) From Reserve Bank of India
|
—
|
—
|
—
|
—
|
| |
|
|
(ii) From other banks
|
72
|
15
|
360
|
—
|
| |
|
|
(iii) From other institutions and agencies
|
2876
|
2683
|
7599
|
10113
|
| |
4.2.
|
|
Borrowings outside India
|
—
|
—
|
25706
|
53970
|
| |
Secured borrowing included in 4.
|
—
|
—
|
346
|
—
|
| |
|
|
|
|
|
|
|
|
5.
|
Other liabilities
|
109546
|
176528
|
138379
|
148750
|
| |
|
|
|
(4.2)
|
(6.1)
|
(5.7)
|
(5.1)
|
| |
5.1.
|
|
Bills Payable
|
33673
|
34768
|
51610
|
39102
|
| |
5.2.
|
|
Inter-office adjustments
|
7182
|
21798
|
—
|
—
|
| |
5.3.
|
|
Interest accrued
|
25297
|
28987
|
7849
|
5997
|
| |
5.4.
|
|
Others (including provisions)
|
43394
|
90975
|
78920
|
103651
|
| |
|
|
|
|
|
|
|
| |
Total
|
Liabilities
|
2584256
|
2909784
|
2407103
|
2933550
|
| |
|
|
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
| |
|
|
|
|
|
|
|
|
Note:Figures
in brackets indicate per cent share in total.
Source:Annual accounts of banks of respective years .
|
|
(Amount in Rs. lakh)
|
| |
|
|
|
|
|
|
|
| |
|
|
|
As on March 31
|
| |
|
|
|
United Bank of
|
Vijaya
|
| |
|
|
|
India
|
Bank
|
| |
|
|
Items
|
|
|
|
|
| |
|
|
|
2004
|
2005
|
2004
|
2005
|
| |
|
|
|
|
|
|
|
| |
|
|
|
(37)
|
(38)
|
(39)
|
(40)
|
| |
|
|
|
|
|
|
|
|
1.
|
Cash
|
in hand
|
13858
|
13253
|
10302
|
13186
|
| |
|
|
|
(0.5)
|
(0.5)
|
(0.4)
|
(0.4)
|
|
2.
|
Balances
|
with RBI
|
92309
|
145595
|
77255
|
115025
|
| |
|
|
|
(3.6)
|
(5.0)
|
(3.2)
|
(3.9)
|
|
3.
|
Balances
|
with banks in India
|
30048
|
34988
|
20157
|
23944
|
| |
|
|
|
(1.2)
|
(1.2)
|
(0.8)
|
(0.8)
|
|
4.
|
Money at
|
call and short notice
|
75797
|
19247
|
—
|
—
|
| |
|
|
|
(2.9)
|
(0.7)
|
—
|
—
|
|
5.
|
Balances
|
with banks outside India
|
—
|
—
|
4141
|
9301
|
| |
|
|
|
—
|
—
|
(0.2)
|
(0.3)
|
|
6.
|
Investments
|
1391614
|
1440333
|
1083699
|
1206874
|
| |
|
|
|
(53.8)
|
(49.5)
|
(45.0)
|
(41.1)
|
| |
6.1.
|
Investments in India
|
1391613
|
1440332
|
1083699
|
1206874
|
| |
|
(i)
|
Government securities
|
1156158
|
1218174
|
896157
|
1045365
|
| |
|
(ii)
|
Other approved securities
|
37254
|
30808
|
12642
|
10561
|
| |
|
(iii)
|
Shares
|
2697
|
6941
|
4965
|
4003
|
| |
|
(iv)
|
Debentures and Bonds
|
184013
|
143389
|
128069
|
117536
|
| |
|
(v)
|
Subsidiaries and/or joint ventures
|
3059
|
1489
|
1295
|
2126
|
| |
|
(vi)
|
Others
|
8432
|
39531
|
40571
|
27283
|
| |
6.2.
|
Investments outside India
|
1
|
1
|
—
|
—
|
| |
|
(i)
|
Government securities
|
—
|
—
|
—
|
—
|
| |
|
(ii)
|
Subsidiaries and/or joint ventures
|
—
|
—
|
—
|
—
|
| |
|
(iii)
|
Others
|
1
|
1
|
—
|
—
|
|
7.
|
Advances
|
|
796334
|
1138968
|
1104530
|
1433579
|
| |
|
|
|
(30.8)
|
(39.1)
|
(45.9)
|
(48.9)
|
| |
Type-wise
|
|
|
|
|
|
| |
7A.1.
|
Bills
|
purchased and discounted
|
47614
|
59796
|
41522
|
52972
|
| |
7A.2.
|
Cash credits, overdrafts & loans
|
291748
|
426071
|
493757
|
569092
|
| |
7A.3.
|
Term loans
|
456972
|
653101
|
569251
|
811515
|
| |
Security-wise
|
|
|
|
|
| |
7B.1.
|
Secured by tangible assets
|
635096
|
1033084
|
797704
|
1070431
|
| |
7B.2.
|
Covered by Bank/Government Guarantees
|
66718
|
24694
|
118176
|
27472
|
| |
7B.3.
|
Unsecured
|
94520
|
81190
|
188651
|
335676
|
| |
Sector-wise
|
|
|
|
|
| |
7C. I.
|
Advances in India
|
796334
|
1138968
|
1104531
|
1433578
|
| |
|
(i)
|
Priority sectors
|
270045
|
386955
|
444866
|
572254
|
| |
|
(ii)
|
Public sectors
|
215389
|
219915
|
140168
|
174945
|
| |
|
(iii)
|
Banks
|
98
|
29
|
4528
|
1161
|
| |
|
(iv)
|
Others
|
310802
|
532069
|
514969
|
685218
|
| |
7C.II.
|
Advances outside India
|
—
|
—
|
—
|
—
|
|
8.
|
Fixed
|
Assets
|
18974
|
20128
|
19126
|
21764
|
| |
|
|
|
(0.7)
|
(0.7)
|
(0.8)
|
(0.7)
|
| |
8.1.
|
Premises
|
14714
|
14502
|
11978
|
11539
|
| |
8.2.
|
Fixed assets under construction
|
18
|
—
|
—
|
—
|
| |
8.3.
|
Other Fixed assets
|
4242
|
5626
|
7148
|
10225
|
|
9.
|
Other Assets
|
165323
|
97275
|
87888
|
109876
|
| |
|
|
|
(6.4)
|
(3.3)
|
(3.7)
|
(3.7)
|
| |
9.1.
|
Inter
|
- office adjustments (net)
|
—
|
—
|
33511
|
37463
|
| |
9.2.
|
Interest accrued
|
45875
|
40117
|
26170
|
25514
|
| |
9.3.
|
Tax
|
paid
|
1133
|
6879
|
17410
|
24479
|
| |
9.4.
|
Stationery and Stamps
|
281
|
390
|
74
|
61
|
| |
9.5.
|
Others
|
118034
|
49889
|
10723
|
22359
|
| |
|
|
|
|
|
|
|
| |
Total
|
Assets
|
2584257
|
2909787
|
2407098
|
2933549
|
| |
|
|
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
|
(Amount in Rs. lakh)
|
| |
|
|
|
|
|
|
|
|
|
| |
|
|
|
As on March 31
|
| |
|
|
|
ABN Amro
|
Abu-Dhabi
|
American Express
|
| |
|
|
|
Bank
|
Commercial Bank
|
Bank
|
| |
|
|
Items
|
|
|
|
|
|
|
| |
|
|
|
2004
|
2005
|
2004
|
2005
|
2004
|
2005
|
| |
|
|
|
|
|
|
|
|
|
| |
|
|
|
(1)
|
(2)
|
(3)
|
(4)
|
(5)
|
(6)
|
| |
|
|
|
|
|
|
|
|
|
|
1.
|
Capital
|
16902
|
16902
|
20
|
20
|
6240
|
10294
|
| |
|
|
|
(1.6)
|
(1.1)
|
(0.0)
|
(0.0)
|
(1.8)
|
(3.4)
|
| |
|
|
|
|
|
|
|
|
|
|
2.
|
Reserves and Surplus
|
98266
|
117789
|
7189
|
7102
|
18163
|
19825
|
| |
|
|
|
(9.3)
|
(7.7)
|
(3.7)
|
(3.6)
|
(5.3)
|
(6.6)
|
| |
2.1.
|
|
Statutory Reserves
|
20842
|
25723
|
1307
|
1307
|
10176
|
10591
|
| |
2.2.
|
|
Capital Reserves
|
163
|
163
|
12
|
147
|
837
|
837
|
| |
2.3.
|
|
Share Premium
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
2.4.
|
|
Investments Fluctuations Reserves
|
10000
|
10000
|
880
|
880
|
456
|
1215
|
| |
2.5.
|
|
Revenue and other Reserves
|
19718
|
19718
|
2561
|
7495
|
741
|
741
|
| |
2.6.
|
|
Balance of Profit
|
47543
|
62185
|
2429
|
-2727
|
5953
|
6441
|
| |
|
|
|
|
|
|
|
|
|
|
3.
|
Deposits
|
585644
|
707678
|
181598
|
166254
|
278853
|
226443
|
| |
|
|
|
(55.2)
|
(46.0)
|
(92.8)
|
(85.2)
|
(81.9)
|
(75.0)
|
| |
|
|
|
|
|
|
|
|
|
| |
Type-wise
|
|
|
|
|
|
|
| |
3A.1.
|
Demand deposits
|
195072
|
245071
|
5677
|
6191
|
50309
|
59477
|
| |
|
|
(i) From banks
|
1087
|
1356
|
334
|
16
|
7397
|
4429
|
| |
|
|
(ii) From others
|
193985
|
243715
|
5343
|
6175
|
42912
|
55048
|
| |
3A.2.
|
Savings bank deposits
|
134364
|
162151
|
6920
|
7753
|
18560
|
20423
|
| |
3A.3.
|
Term deposits
|
256208
|
300456
|
169001
|
152310
|
209984
|
146543
|
| |
|
|
(i) From banks
|
113166
|
119166
|
106252
|
106252
|
114087
|
114087
|
| |
|
|
(ii) From others
|
143042
|
181290
|
62749
|
46058
|
95897
|
32456
|
| |
|
|
|
|
|
|
|
|
|
| |
Location-wise
|
|
|
|
|
|
|
| |
3B.1.
|
Deposits of branches in India
|
585644
|
707678
|
181598
|
166255
|
278852
|
226442
|
| |
3B.2.
|
Deposits of branches outside India
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
|
|
|
|
|
|
|
|
|
4.
|
Borrowings
|
292494
|
491538
|
—
|
11843
|
13201
|
15374
|
| |
|
|
|
(27.6)
|
(31.9)
|
—
|
(6.1)
|
(3.9)
|
(5.1)
|
| |
4.1.
|
|
Borrowings in India
|
133194
|
198249
|
—
|
11843
|
10000
|
15374
|
| |
|
|
(i) From Reserve Bank of India
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
|
(ii) From other banks
|
123600
|
188102
|
—
|
11843
|
10000
|
15374
|
| |
|
|
(iii) From other institutions and agencies
|
9594
|
10147
|
—
|
—
|
—
|
—
|
| |
4.2.
|
|
Borrowings outside India
|
159300
|
293289
|
—
|
—
|
3201
|
—
|
| |
Secured borrowing included in 4.
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
|
|
|
|
|
|
|
|
|
5.
|
Other liabilities
|
67672
|
205622
|
6831
|
9865
|
23891
|
30154
|
| |
|
|
|
(6.4)
|
(13.4)
|
(3.5)
|
(5.1)
|
(7.0)
|
(10.0)
|
| |
5.1.
|
|
Bills Payable
|
17670
|
33677
|
260
|
332
|
2156
|
1941
|
| |
5.2.
|
|
Inter-office adjustments
|
154
|
1150
|
98
|
192
|
1363
|
2887
|
| |
5.3.
|
|
Interest accrued
|
4684
|
7646
|
5803
|
6821
|
3949
|
3255
|
| |
5.4.
|
|
Others (including provisions)
|
45164
|
163149
|
670
|
2520
|
16423
|
22071
|
| |
|
|
|
|
|
|
|
|
|
| |
Total
|
Liabilities
|
1060978
|
1539529
|
195638
|
195084
|
340348
|
302090
|
| |
|
|
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
|
Note:Figures
in brackets indicate per cent share in total.
Source:Annual accounts of banks of respective years .
|
|
(Amount inRs. lakh)
|
| |
|
|
|
|
|
|
|
|
|
| |
|
|
|
As on March 31
|
| |
|
|
|
|
ABN Amro
|
Abu-Dhabi
|
American
|
Express
|
| |
|
|
|
|
Bank
|
Commercial Bank
|
Bank
|
| |
|
|
Items
|
|
|
|
|
|
|
| |
|
|
|
2004
|
2005
|
2004
|
2005
|
2004
|
2005
|
| |
|
|
|
|
|
|
|
|
|
| |
|
|
|
(1)
|
(2)
|
(3)
|
(4)
|
(5)
|
(6)
|
| |
|
|
|
|
|
|
|
|
|
|
1.
|
Cash
|
in hand
|
4513
|
4530
|
76
|
60
|
838
|
910
|
| |
|
|
|
(0.4)
|
(0.3)
|
(0.0)
|
(0.0)
|
(0.2)
|
(0.3)
|
|
2.
|
Balances
|
with RBI
|
46360
|
44473
|
8152
|
4518
|
12826
|
6611
|
| |
|
|
|
(4.4)
|
(2.9)
|
(4.2)
|
(2.3)
|
(3.8)
|
(2.2)
|
|
3.
|
Balances
|
with banks in India
|
1273
|
2224
|
16861
|
38091
|
15401
|
12717
|
| |
|
|
|
(0.1)
|
(0.1)
|
(8.6)
|
(19.6)
|
(4.5)
|
(4.2)
|
|
4.
|
Money at
|
call and short notice
|
1361
|
7500
|
—
|
—
|
62186
|
—
|
| |
|
|
|
(0.1)
|
(0.5)
|
—
|
—
|
(18.3)
|
—
|
|
5.
|
Balances
|
with banks outside India
|
2029
|
634
|
4811
|
3903
|
12295
|
3696
|
| |
|
|
|
(0.2)
|
(0.0)
|
(2.5)
|
(2.0)
|
(3.6)
|
(1.2)
|
|
6.
|
Investments
|
291747
|
333059
|
135385
|
125735
|
81217
|
74886
|
| |
|
|
|
(27.5)
|
(21.7)
|
(69.2)
|
(64.5)
|
(23.9)
|
(24.9)
|
| |
6.1.
|
Investments in India
|
291747
|
333059
|
135385
|
125735
|
81217
|
74886
|
| |
|
(i)
|
Government securities
|
222646
|
315656
|
61476
|
54261
|
57615
|
64190
|
| |
|
(ii)
|
Other approved securities
|
592
|
553
|
345
|
228
|
—
|
—
|
| |
|
(iii)
|
Shares
|
30
|
—
|
—
|
—
|
42
|
18
|
| |
|
(iv)
|
Debentures and Bonds
|
68279
|
16850
|
73564
|
71246
|
19224
|
9243
|
| |
|
(v)
|
Subsidiaries and/or joint ventures
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
(vi)
|
Others
|
200
|
—
|
—
|
—
|
4336
|
1435
|
| |
6.2.
|
Investments outside India
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
(i)
|
Government securities
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
(ii)
|
Subsidiaries and/or joint ventures
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
(iii)
|
Others
|
—
|
—
|
—
|
—
|
—
|
—
|
|
7.
|
Advances
|
|
669658
|
983644
|
16758
|
8985
|
126260
|
148284
|
| |
|
|
|
(63.1)
|
(64.0)
|
(8.6)
|
(4.6)
|
(37.1)
|
(49.2)
|
| |
Type-wise
|
|
|
|
|
|
|
|
| |
7A.1.
|
Bills
|
purchased and discounted
|
121073
|
146542
|
5537
|
3368
|
4714
|
1755
|
| |
7A.2.
|
Cash credits, overdrafts & loans
|
339925
|
464508
|
8265
|
3066
|
78091
|
75530
|
| |
7A.3.
|
Term loans
|
208660
|
372594
|
2956
|
2551
|
43455
|
70999
|
| |
Security-wise
|
|
|
|
|
|
|
| |
7B.1.
|
Secured by tangible assets
|
417962
|
638269
|
12449
|
6866
|
26937
|
38568
|
| |
7B.2.
|
Covered by Bank/Government Guarantees
|
140819
|
68623
|
1911
|
2021
|
24139
|
21459
|
| |
7B.3.
|
Unsecured
|
110878
|
276753
|
2398
|
98
|
75184
|
88258
|
| |
Sector-wise
|
|
|
|
|
|
|
| |
7C. I.
|
Advances in India
|
669659
|
983645
|
16756
|
8986
|
126260
|
148285
|
| |
|
(i)
|
Priority sectors
|
189158
|
317210
|
2556
|
2746
|
15110
|
36270
|
| |
|
(ii)
|
Public sectors
|
—
|
—
|
57
|
28
|
—
|
—
|
| |
|
(iii)
|
Banks
|
60
|
—
|
1911
|
—
|
—
|
—
|
| |
|
(iv)
|
Others
|
480441
|
666435
|
12232
|
6212
|
111150
|
112015
|
| |
7C.II.
|
Advances outside India
|
—
|
—
|
—
|
—
|
—
|
—
|
|
8.
|
Fixed
|
Assets
|
8660
|
8405
|
787
|
759
|
7889
|
6900
|
| |
|
|
|
(0.8)
|
(0.5)
|
(0.4)
|
(0.4)
|
(2.3)
|
(2.3)
|
| |
8.1.
|
Premises
|
2761
|
2655
|
619
|
578
|
2176
|
2052
|
| |
8.2.
|
Fixed assets under construction
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
8.3.
|
Other Fixed assets
|
5899
|
5750
|
168
|
181
|
5713
|
4848
|
|
9.
|
Other Assets
|
35373
|
155058
|
12809
|
13033
|
21430
|
48084
|
| |
|
|
|
(3.3)
|
(10.1)
|
(6.5)
|
(6.7)
|
(6.3)
|
(16.0)
|
| |
9.1.
|
Inter
|
- office adjustments (net)
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
9.2.
|
Interest accrued
|
8765
|
10164
|
4659
|
5582
|
4400
|
3173
|
| |
9.3.
|
Tax
|
paid
|
1237
|
4808
|
7559
|
6738
|
8347
|
4848
|
| |
9.4.
|
Stationery and Stamps
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
9.5.
|
Others
|
25371
|
140086
|
591
|
713
|
8683
|
40063
|
| |
|
|
|
|
|
|
|
|
|
| |
Total
|
Assets
|
1060974
|
1539527
|
195639
|
195084
|
340342
|
302088
|
| |
|
|
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
|
(Amount in Rs. lakh)
|
| |
|
|
|
|
|
|
|
|
|
| |
|
|
|
As on March 31
|
| |
|
|
|
Antwrep
|
Diamond
|
Arab
|
Bangladesh
|
Bank International
|
| |
|
|
|
Bank
|
|
Bank
|
Indonesia
|
| |
|
|
Items
|
|
|
|
|
|
|
| |
|
|
|
2004
|
2005
|
2004
|
2005
|
2004
|
2005
|
| |
|
|
|
|
|
|
|
|
|
| |
|
|
|
(7)
|
(8)
|
(9)
|
(10)
|
(11)
|
(12)
|
| |
|
|
|
|
|
|
|
|
|
|
1.
|
Capital
|
11471
|
11471
|
3698
|
3698
|
7338
|
7338
|
| |
|
|
|
(22.8)
|
(17.2)
|
(48.8)
|
(54.0)
|
(70.8)
|
(59.4)
|
| |
|
|
|
|
|
|
|
|
|
|
2.
|
Reserves and Surplus
|
680
|
1348
|
725
|
777
|
130
|
130
|
| |
|
|
|
(1.4)
|
(2.0)
|
(9.6)
|
(11.4)
|
(1.3)
|
(1.1)
|
| |
2.1.
|
|
Statutory Reserves
|
170
|
337
|
403
|
466
|
126
|
126
|
| |
2.2.
|
|
Capital Reserves
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
2.3.
|
|
Share Premium
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
2.4.
|
|
Investments Fluctuations Reserves
|
335
|
658
|
51
|
51
|
—
|
—
|
| |
2.5.
|
|
Revenue and other Reserves
|
—
|
—
|
—
|
—
|
4
|
4
|
| |
2.6.
|
|
Balance of Profit
|
175
|
353
|
271
|
260
|
—
|
—
|
| |
|
|
|
|
|
|
|
|
|
|
3.
|
Deposits
|
4444
|
5044
|
3092
|
2334
|
1291
|
1108
|
| |
|
|
|
(8.8)
|
(7.6)
|
(40.8)
|
(34.1)
|
(12.5)
|
(9.0)
|
| |
|
|
|
|
|
|
|
|
|
| |
Type-wise
|
|
|
|
|
|
|
| |
3A.1.
|
Demand deposits
|
3744
|
4175
|
1732
|
1842
|
440
|
391
|
| |
|
|
(i) From banks
|
3194
|
3148
|
1097
|
706
|
—
|
—
|
| |
|
|
(ii) From others
|
550
|
1027
|
635
|
1136
|
440
|
391
|
| |
3A.2.
|
Savings bank deposits
|
9
|
7
|
55
|
76
|
41
|
47
|
| |
3A.3.
|
Term deposits
|
691
|
862
|
1305
|
416
|
810
|
670
|
| |
|
|
(i) From banks
|
—
|
—
|
1025
|
125
|
—
|
—
|
| |
|
|
(ii) From others
|
691
|
862
|
280
|
291
|
810
|
670
|
| |
|
|
|
|
|
|
|
|
|
| |
Location-wise
|
|
|
|
|
|
|
| |
3B.1.
|
Deposits of branches in India
|
4444
|
5045
|
3093
|
2333
|
1292
|
1108
|
| |
3B.2.
|
Deposits of branches outside India
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
|
|
|
|
|
|
|
|
|
4.
|
Borrowings
|
27436
|
42783
|
—
|
—
|
1312
|
3625
|
| |
|
|
|
(54.6)
|
(64.1)
|
—
|
—
|
(12.7)
|
(29.3)
|
| |
4.1.
|
|
Borrowings in India
|
500
|
—
|
—
|
—
|
—
|
1000
|
| |
|
|
(i) From Reserve Bank of India
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
|
(ii) From other banks
|
500
|
—
|
—
|
—
|
—
|
1000
|
| |
|
|
(iii) From other institutions and agencies
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
4.2.
|
|
Borrowings outside India
|
26936
|
42783
|
—
|
—
|
1312
|
2625
|
| |
Secured borrowing included in 4.
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
|
|
|
|
|
|
|
|
|
5.
|
Other liabilities
|
6209
|
6073
|
58
|
33
|
293
|
158
|
| |
|
|
|
(12.4)
|
(9.1)
|
(0.8)
|
(0.5)
|
(2.8)
|
(1.3)
|
| |
5.1.
|
|
Bills Payable
|
166
|
12
|
—
|
—
|
70
|
30
|
| |
5.2.
|
|
Inter-office adjustments
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
5.3.
|
|
Interest accrued
|
69
|
205
|
7
|
6
|
5
|
15
|
| |
5.4.
|
|
Others (including provisions)
|
5974
|
5856
|
51
|
27
|
218
|
113
|
| |
|
|
|
|
|
|
|
|
|
| |
Total
|
Liabilities
|
50240
|
66719
|
7573
|
6842
|
10364
|
12359
|
| |
|
|
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
| |
|
|
|
|
|
|
|
|
|
|
Note:Figures
in brackets indicate per cent sharein total.
Source:Annual accounts of banks of respective years .
|
|
(Amount in Rs. lakh)
|
| |
|
|
|
|
|
|
|
|
|
| |
|
|
|
As on March 31
|
| |
|
|
|
Antwrep
|
Diamond
|
Arab
|
Bangladesh
|
Bank International
|
| |
|
|
|
Bank
|
|
Bank
|
Indonesia
|
| |
|
|
Items
|
|
|
|
|
|
|
| |
|
|
|
2004
|
2005
|
2004
|
2005
|
2004
|
2005
|
| |
|
|
|
|
|
|
|
|
|
| |
|
|
|
(7)
|
(8)
|
(9)
|
(10)
|
(11)
|
(12)
|
| |
|
|
|
|
|
|
|
|
|
|
1.
|
Cash
|
in hand
|
—
|
—
|
19
|
35
|
26
|
37
|
| |
|
|
|
—
|
—
|
(0.3)
|
(0.5)
|
(0.3)
|
(0.3)
|
|
2.
|
Balances
|
with RBI
|
1316
|
2074
|
64
|
62
|
169
|
163
|
| |
|
|
|
(2.6)
|
(3.1)
|
(0.8)
|
(0.9)
|
(1.6)
|
(1.3)
|
|
3.
|
Balances
|
with banks in India
|
811
|
1017
|
3187
|
2171
|
3170
|
1143
|
| |
|
|
|
(1.6)
|
(1.5)
|
(42.1)
|
(31.7)
|
(30.6)
|
(9.2)
|
|
4.
|
Money at
|
call and short notice
|
8022
|
2903
|
50
|
150
|
350
|
—
|
| |
|
|
|
(16.0)
|
(4.4)
|
(0.7)
|
(2.2)
|
(3.4)
|
—
|
|
5.
|
Balances
|
with banks outside India
|
5
|
122
|
1279
|
778
|
157
|
69
|
| |
|
|
|
(0.0)
|
(0.2)
|
(16.9)
|
(11.4)
|
(1.5)
|
(0.6)
|
|
6.
|
Investments
|
9583
|
16453
|
1013
|
827
|
1247
|
4066
|
| |
|
|
|
(19.1)
|
(24.7)
|
(13.4)
|
(12.1)
|
(12.0)
|
(32.9)
|
| |
6.1.
|
Investments in India
|
9583
|
16453
|
1013
|
827
|
1247
|
4066
|
| |
|
(i)
|
Government securities
|
9583
|
16453
|
813
|
720
|
816
|
3635
|
| |
|
(ii)
|
Other approved securities
|
—
|
—
|
—
|
—
|
431
|
431
|
| |
|
(iii)
|
Shares
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
(iv)
|
Debentures and Bonds
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
(v)
|
Subsidiaries and/or joint ventures
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
(vi)
|
Others
|
—
|
—
|
200
|
107
|
—
|
—
|
| |
6.2.
|
Investments outside India
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
(i)
|
Government securities
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
(ii)
|
Subsidiaries and/or joint ventures
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
(iii)
|
Others
|
—
|
—
|
—
|
—
|
—
|
—
|
|
7.
|
Advances
|
|
29775
|
43444
|
1182
|
2181
|
345
|
1978
|
| |
|
|
|
(59.3)
|
(65.1)
|
(15.6)
|
(31.9)
|
(3.3)
|
(16.0)
|
| |
Type-wise
|
|
|
|
|
|
|
|
| |
7A.1.
|
Bills
|
purchased and discounted
|
—
|
—
|
460
|
1125
|
25
|
713
|
| |
7A.2.
|
Cash credits, overdrafts & loans
|
29667
|
43328
|
579
|
963
|
320
|
1265
|
| |
7A.3.
|
Term loans
|
108
|
116
|
143
|
93
|
—
|
—
|
| |
Security-wise
|
|
|
|
|
|
|
| |
7B.1.
|
Secured by tangible assets
|
29757
|
43427
|
450
|
301
|
30
|
257
|
| |
7B.2.
|
Covered by Bank/Government Guarantees
|
—
|
—
|
732
|
413
|
—
|
—
|
| |
7B.3.
|
Unsecured
|
18
|
16
|
—
|
1466
|
315
|
1721
|
| |
Sector-wise
|
|
|
|
|
|
|
| |
7C. I.
|
Advances in India
|
29775
|
43444
|
1182
|
2180
|
345
|
1978
|
| |
|
(i)
|
Priority sectors
|
29667
|
43328
|
368
|
664
|
67
|
42
|
| |
|
(ii)
|
Public sectors
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
(iii)
|
Banks
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
|
(iv)
|
Others
|
108
|
116
|
814
|
1516
|
278
|
1936
|
| |
7C.II.
|
Advances outside India
|
—
|
—
|
—
|
—
|
—
|
—
|
|
8.
|
Fixed
|
Assets
|
293
|
178
|
42
|
37
|
757
|
697
|
| |
|
|
|
(0.6)
|
(0.3)
|
(0.6)
|
(0.5)
|
(7.3)
|
(5.6)
|
| |
8.1.
|
Premises
|
—
|
—
|
—
|
—
|
735
|
679
|
| |
8.2.
|
Fixed assets under construction
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
8.3.
|
Other Fixed assets
|
293
|
178
|
42
|
37
|
22
|
18
|
|
9.
|
Other Assets
|
436
|
529
|
740
|
604
|
4141
|
4204
|
| |
|
|
|
(0.9)
|
(0.8)
|
(9.8)
|
(8.8)
|
(40.0)
|
(34.0)
|
| |
9.1.
|
Inter
|
- office adjustments (net)
|
—
|
—
|
—
|
—
|
—
|
—
|
| |
9.2.
|
Interest accrued
|
339
|
351
|
86
|
40
|
67
|
60
|
| |
9.3.
|
Tax
|
paid
|
33
|
50
|
29
|
46
|
78
|
90
|
| |
9.4.
|
Stationery and Stamps
|
—
|
—
|
1
|
1
|
—
|
—
|
| |
9.5.
|
Others
|
64
|
128
|
624
|
517
|
3996
|
4054
|
| |
|
|
|
|
|
|
|
|
|
| |
Total
|
Assets
|
50241
|
66720
|
7576
|
6845
|
10362
|
12357
|
| |
|
|
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|
(100.0)
|