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Date : Oct 14, 2005

B1 : Liabilities and Assets of Scheduled Commercial Banks : 2004 and 2005 (Part 8 of 8)

(Amount in Rs. lakh)

			As on March 31
			Lord	Krishna	Nainital			Ratnakar
			Bank			Bank		Bank
		Items
			2004	2005	2004		2005	2004	2005

			(43)	(44)	(45)		(46)	(47)	(48)

1.	Capital		5669	9445	1500		1500	1840	1938
			(2.2)	(3.8)	(1.8)		(1.4)	(2.3)	(2.2)

2.	Reserves and Surplus		8063	8746	5221		6095	3527	2583
			(3.1)	(3.5)	(6.1)		(5.8)	(4.3)	(3.0)
	2.1.	Statutory Reserves	2977	2978	1389		1729	1750	1750
	2.2.	Capital Reserves	985	985	207		204	13	21
	2.3.	Share Premium	1638	2393	1150		1150	65	65
	2.4.	Investments Fluctuations Reserves	1500	1500	1000		1128	826	387
	2.5.	Revenue and other Reserves	890	890	1475		1884	823	817
	2.6.	Balance of Profit	73	—	—		—	50	-457

3.	Deposits		231122	217612	75880	93327		71521	78375
			(88.7)	(86.9)	(88.8)	(88.9)		(87.7)	(90.1)

	Type-wise
	3A.1.	Demand deposits	11660	15280	6455		7935	7875	9816
		(i) From banks	23	267	222		253	380	240
		(ii) From others	11637	15013	6233		7682	7495	9576
	3A.2.	Savings bank deposits	14889	19417	32369	38126		10865	12496
	3A.3.	Term deposits	204573	182915	37056	47266		52781	56063
		(i) From banks	11917	15936	53		1718	3081	4167
		(ii) From others	192656	166979	37003	45548		49700	51896

	Location-wise
	3B.1.	Deposits of branches in India	231122	217613	75881	93327		71521	78375
	3B.2.	Deposits of branches outside India	—	—	—		—	—	—

4.	Borrowings		63	68	11		28	99	83
			(0.0)	(0.0)	(0.0)		(0.0)	(0.1)	(0.1)
	4.1.	Borrowings in India	62	68	11		28	99	83
		(i) From Reserve Bank of India	—	—	—		—	—	—
		(ii) From other banks	8	—	—		20	—	—
		(iii) From other institutions and agencies	54	68	11		8	99	83
	4.2.	Borrowings outside India	1	—	—		—	—	—
	Secured borrowing included in 4.		—	—	11		8	—	—

5.	Other liabilities		15539	14645	2835		4063	4546	4002
			(6.0)	(5.8)	(3.3)		(3.9)	(5.6)	(4.6)
	5.1.	Bills Payable	2631	1945	1077		1555	1806	1635
	5.2.	Inter-office adjustments	1101	1769	—		—	—	—
	5.3.	Interest accrued	1121	1033	286		350	292	320
	5.4.	Others (including provisions)	10686	9898	1472		2158	2448	2047

	Total	Liabilities	260456	250516	85447	105013		81533	86981
			(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
				Lord	Krishna	Nainital			Ratnakar
				Bank			Bank		Bank
			Items
				2004	2005	2004		2005	2004	2005

				(43)	(44)	(45)		(46)	(47)	(48)

1.	Cash	in hand		1254	1026	723		870	1261	1292
				(0.5)	(0.4)	(0.8)		(0.8)	(1.5)	(1.5)
2.	Balances		with RBI	19185	9451	4495		4258	8469	8119
				(7.4)	(3.8)	(5.3)		(4.1)	(10.4)	(9.4)
3.	Balances		with banks in India	8081	1005	12450	15373		5933	4392
				(3.1)	(0.4)	(14.6)	(14.6)		(7.3)	(5.1)
4.	Money at		call and short notice	5000	—	—		2075	1000	1000
				(1.9)	—	—		(2.0)	(1.2)	(1.2)
5.	Balances		with banks outside India	1373	1017	—		—	—	—
				(0.5)	(0.4)	—		—	—	—
6.	Investments			104714	84703	41046	42108		25840	26464
				(40.2)	(33.8)	(48.0)	(40.1)		(31.7)	(30.5)
	6.1.	Investments in India		104714	84703	41046	42108		25840	26464
		(i)	Government securities	94021	73046	22464	21927		20109	20385
		(ii)	Other approved securities	2116	1698	338		323	140	115
		(iii)	Shares	239	74	—		9	277	283
		(iv)	Debentures and Bonds	8167	6135	13006	12549		5124	3350
		(v)	Subsidiaries and/or joint ventures	—	—	—		—	—	—
		(vi)	Others	171	3750	5238		7300	190	2331
	6.2.	Investments outside India		—	—	—		—	—	—
		(i)	Government securities	—	—	—		—	—	—
		(ii)	Subsidiaries and/or joint ventures	—	—	—		—	—	—
		(iii)	Others	—	—	—		—	—	—
7.	Advances			111789	138682	23551	36321		34601	42376
				(42.9)	(55.4)	(27.6)	(34.6)		(42.4)	(48.8)
	Type-wise
	7A.1.	Bills	purchased and discounted	5398	14819	199		235	1904	2633
	7A.2.	Cash credits, overdrafts & loans		78878	80432	14301	20296		20416	20924
	7A.3.	Term loans		27513	43431	9051	15790		12281	18819
	Security-wise
	7B.1.	Secured by tangible assets		98825	116839	22660	34003		26871	34139
	7B.2.	Covered by Bank/Government Guarantees		892	4461	—		—	1448	778
	7B.3.	Unsecured		12073	17382	891		2318	6282	7459
	Sector-wise
	7C. I.	Advances in India		111790	138683	23551	36321		34603	42376
		(i)	Priority sectors	40571	38109	13303	20262		7759	13242
		(ii)	Public sectors	1346	3033	—		—	513	—
		(iii)	Banks	135	—	—		—	1500	778
		(iv)	Others	69738	97541	10248	16059		24831	28356
	7C.II.	Advances outside India		—	—	—		—	—	—
8.	Fixed	Assets		2575	2906	481		565	1357	1316
				(1.0)	(1.2)	(0.6)		(0.5)	(1.7)	(1.5)
	8.1.	Premises		346	414	260		255	314	302
	8.2.	Fixed assets under construction		—	—	—		—	90	82
	8.3.	Other Fixed assets		2229	2492	221		310	953	932
9.	Other Assets			6484	11724	2700		3445	3071	2023
				(2.5)	(4.7)	(3.2)		(3.3)	(3.8)	(2.3)
	9.1.	Inter	- office adjustments (net)	—	—	372		694	767	19
	9.2.	Interest accrued		2724	2063	1899		1865	708	655
	9.3.	Tax	paid	2434	2760	160		199	1198	925
	9.4.	Stationery and Stamps		29	26	—		—	29	27
	9.5.	Others		1297	6875	269		687	369	397

	Total	Assets		260455	250514	85446	105015		81532	86982
				(100.0)	(100.0)	(100.0)	(100.0)		(100.0)	(100.0)

(Amount in Rs. lakh)

			As on March 31
				Sangli	SBI Commercial		South	Indian
				Bank #	& Intl. Bank		Bank
		Items
			2004	2005	2004	2005	2004	2005

			(49)	(50)	(51)	(52)	(53)	(54)

1.	Capital		2225		10000	10000	3578	4768
			(1.1)		(20.4)	(21.0)	(0.4)	(0.5)

2.	Reserves and Surplus		6397		-161	-1162	35912	40757
			(3.2)		—	—	(3.9)	(4.3)
	2.1.	Statutory Reserves	2065		1250	1251	9809	10027
	2.2.	Capital Reserves	165		—	—	1766	2815
	2.3.	Share Premium	—		—	—	6486	10062
	2.4.	Investments Fluctuations Reserves	310		440	111	8206	8206
	2.5.	Revenue and other Reserves	3852		—	—	9643	9643
	2.6.	Balance of Profit	5		-1851	-2524	2	4

3.	Deposits		185936		37333	33148	828002	849232
			(93.3)		(76.3)	(69.5)	(89.5)	(89.6)

	Type-wise
	3A.1.	Demand deposits	17271		1204	1138	39762	47872
		(i) From banks	279		—	—	268	220
		(ii) From others	16992		1204	1138	39494	47652
	3A.2.	Savings bank deposits	45255		2973	2470	133856	162630
	3A.3.	Term deposits	123410		33156	29540	654384	638730
		(i) From banks	31205		2758	500	51315	54920
		(ii) From others	92205		30398	29040	603069	583810

	Location-wise
	3B.1.	Deposits of branches in India	185936		37333	33148	828003	849231
	3B.2.	Deposits of branches outside India	—		—	—	—	—

4.	Borrowings		35		800	4400	7945	373
			(0.0)		(1.6)	(9.2)	(0.9)	(0.0)
	4.1.	Borrowings in India	34		800	4400	401	97
		(i) From Reserve Bank of India	—		—	—	—	—
		(ii) From other banks	—		—	4400	401	97
		(iii) From other institutions and agencies	34		800	—	—	—
	4.2.	Borrowings outside India	1		—	—	7544	276
	Secured borrowing included in 4.		—		—	—	—	—

5.	Other liabilities		4652		947	1309	49968	52623
			(2.3)		(1.9)	(2.7)	(5.4)	(5.6)
	5.1.	Bills Payable	1313		155	337	8153	9093
	5.2.	Inter-office adjustments	87		—	—	469	601
	5.3.	Interest accrued	823		368	339	3836	3158
	5.4.	Others (including provisions)	2429		424	633	37510	39771

	Total	Liabilities	199245		48919	47695	925405	947753
			(100.0)		(100.0)	(100.0)	(100.0)	(100.0)
Notes : Figures in brackets indicate per cent share in total. # : See ‘Explanatory Notes’. Source :Annual accounts of banks of respective years.

(Amount in Rs. lakh)

				As on March 31
					Sangli	SBI Commercial		South	Indian
					Bank #	& Intl. Bank		Bank
			Items
				2004	2005	2004	2005	2004	2005

				(49)	(50)	(51)	(52)	(53)	(54)

1.	Cash	in hand		2434		64	80	7300	5987
				(1.2)		(0.1)	(0.2)	(0.8)	(0.6)
2.	Balances		with RBI	6810		2133	1694	33162	37329
				(3.4)		(4.4)	(3.6)	(3.6)	(4.0)
3.	Balances		with banks in India	1385		6827	3771	35936	20366
				(0.7)		(14.0)	(7.9)	(3.9)	(2.2)
4.	Money at		call and short notice	290		5609	497	—	—
				(0.1)		(11.5)	(1.0)	—	—
5.	Balances		with banks outside India	873		1951	2582	4210	6440
				(0.4)		(4.0)	(5.4)	(0.5)	(0.7)
6.	Investments			108000		14304	10135	396208	313342
				(54.2)		(29.2)	(21.3)	(42.8)	(33.3)
	6.1.	Investments in India		108000		14304	10135	396208	313342
		(i)	Government securities	83487		13443	9451	357995	287864
		(ii)	Other approved securities	1185		505	505	5554	5101
		(iii)	Shares	602		23	23	960	739
		(iv)	Debentures and Bonds	2609		333	156	20059	13233
		(v)	Subsidiaries and/or joint ventures	—		—	—	—	—
		(vi)	Others	20117		—	—	11640	6405
	6.2.	Investments outside India		—		—	—	—	—
		(i)	Government securities	—		—	—	—	—
		(ii)	Subsidiaries and/or joint ventures	—		—	—	—	—
		(iii)	Others	—		—	—	—	—
7.	Advances			64824		12056	23074	419682	536526
				(32.5)		(24.6)	(48.4)	(45.4)	(57.1)
	Type-wise
	7A.1.	Bills	purchased and discounted	22038		1960	7485	50894	53318
	7A.2.	Cash credits, overdrafts & loans		19988		8934	10877	154553	186251
	7A.3.	Term loans		22798		1162	4712	214235	296957
	Security-wise
	7B.1.	Secured by tangible assets		40688		9941	11521	330824	449368
	7B.2.	Covered by Bank/Government Guarantees		21399		2057	7441	29952	32566
	7B.3.	Unsecured		2737		58	4113	58906	54593
	Sector-wise
	7C. I.	Advances in India		64825		12057	23075	419682	536526
		(i)	Priority sectors	9800		1451	907	129060	170973
		(ii)	Public sectors	—		—	4178	46443	56967
		(iii)	Banks	21074		—	—	6597	—
		(iv)	Others	33951		10606	17990	237582	308586
	7C.II.	Advances outside India		—		—	—	—	—
8.	Fixed	Assets		3281		4890	4825	6584	7760
				(1.6)		(10.0)	(10.1)	(0.7)	(0.8)
	8.1.	Premises		2864		4832	4762	5355	6385
	8.2.	Fixed assets under construction		—		—	—	—	—
	8.3.	Other Fixed assets		417		58	63	1229	1375
9.	Other Assets			11349		1086	1036	22324	20000
				(5.7)		(2.2)	(2.2)	(2.4)	(2.1)
	9.1.	Inter	- office adjustments (net)	—		—	—	—	—
	9.2.	Interest accrued		1534		467	356	12434	10061
	9.3.	Tax	paid	1708		334	401	—	—
	9.4.	Stationery and Stamps		63		4	2	121	140
	9.5.	Others		8044		281	277	9769	9799

	Total	Assets		199246		48920	47694	925406	947750
				(100.0)		(100.0)	(100.0)	(100.0)	(100.0)

(Amount in Rs. lakh)

			As on March 31
			Tamilnad Mercantile		United Western		UTI
				Bank		Bank	Bank
		Items
			2004	2005	2004	2005	2004	2005

			(55)	(56)	(57)	(58)	(59)	(60)

1.	Capital		28	28	2989	2989	23158	27380
			(0.0)	(0.0)	(0.4)	(0.4)	(1.0)	(0.7)

2.	Reserves and Surplus		47653	55855	27409	21406	90647	214780
			(9.4)	(9.9)	(3.8)	(3.0)	(3.8)	(5.7)
	2.1.	Statutory Reserves	14687	17220	8713	8713	21501	29865
	2.2.	Capital Reserves	72	340	20	19	1439	6226
	2.3.	Share Premium	—	—	5473	5473	28623	126895
	2.4.	Investments Fluctuations Reserves	—	—	4925	4925	19281	29281
	2.5.	Revenue and other Reserves	32870	38272	8272	2276	1593	2772
	2.6.	Balance of Profit	24	23	6	—	18210	19741

3.	Deposits		440428	482688	643019	645287	2095391	3171199
			(86.5)	(85.9)	(90.1)	(91.1)	(86.8)	(84.0)

	Type-wise
	3A.1.	Demand deposits	57159	67403	85118	89236	539373	715483
		(i) From banks	189	308	3807	2486	20206	32200
		(ii) From others	56970	67095	81311	86750	519167	683283
	3A.2.	Savings bank deposits	54022	59927	106830	118438	258451	489086
	3A.3.	Term deposits	329247	355358	451071	437613	1297567	1966630
		(i) From banks	11515	20400	83470	63250	227852	437874
		(ii) From others	317732	334958	367601	374363	1069715	1528756

	Location-wise
	3B.1.	Deposits of branches in India	440427	482688	643019	645288	2095390	3171200
	3B.2.	Deposits of branches outside India	—	—	—	—	—	—

4.	Borrowings		2847	1134	6003	3790	52775	178141
			(0.6)	(0.2)	(0.8)	(0.5)	(2.2)	(4.7)
	4.1.	Borrowings in India	2847	1134	4012	3352	40097	130021
		(i) From Reserve Bank of India	—	—	—	—	—	—
		(ii) From other banks	—	—	—	—	9825	17030
		(iii) From other institutions and agencies	2847	1134	4012	3352	30272	112991
	4.2.	Borrowings outside India	—	—	1991	438	12678	48120
	Secured borrowing included in 4.		—	—	—	—	—	22787

5.	Other liabilities		17992	21976	34515	34892	153046	182868
			(3.5)	(3.9)	(4.8)	(4.9)	(6.3)	(4.8)
	5.1.	Bills Payable	9787	11448	4288	3359	43851	48709
	5.2.	Inter-office adjustments	—	—	—	2179	15	—
	5.3.	Interest accrued	1490	1579	5152	5514	3143	4780
	5.4.	Others (including provisions)	6715	8949	25075	23840	106037	129379

	Total	Liabilities	508948	561681	713935	708364	2415017	3774368
			(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
				Tamilnad Mercantile		United Western		UTI
					Bank		Bank	Bank
			Items
				2004	2005	2004	2005	2004	2005

				(55)	(56)	(57)	(58)	(59)	(60)

1.	Cash	in hand		5045	4317	7714	5840	15330	27290
				(1.0)	(0.8)	(1.1)	(0.8)	(0.6)	(0.7)
2.	Balances		with RBI	17331	26073	28004	31542	362364	317584
				(3.4)	(4.6)	(3.9)	(4.5)	(15.0)	(8.4)
3.	Balances		with banks in India	10741	19668	26302	23230	149769	127959
				(2.1)	(3.5)	(3.7)	(3.3)	(6.2)	(3.4)
4.	Money at		call and short notice	4200	4725	—	—	31392	46021
				(0.8)	(0.8)	—	—	(1.3)	(1.2)
5.	Balances		with banks outside India	1139	1329	2044	477	7467	8746
				(0.2)	(0.2)	(0.3)	(0.1)	(0.3)	(0.2)
6.	Investments			235371	224400	241313	210235	779275	1427495
				(46.2)	(40.0)	(33.8)	(29.9)	(32.3)	(37.8)
	6.1.	Investments in India		235371	224400	241313	210235	779275	1427495
		(i)	Government securities	133262	137566	193932	160980	505593	751869
		(ii)	Other approved securities	5298	4821	3216	2561	—	—
		(iii)	Shares	54	85	2486	1011	18983	21741
		(iv)	Debentures and Bonds	96757	81855	30286	36873	253905	651834
		(v)	Subsidiaries and/or joint ventures	—	—	8	8	—	—
		(vi)	Others	—	73	11385	8802	794	2051
	6.2.	Investments outside India		—	—	—	—	—	—
		(i)	Government securities	—	—	—	—	—	—
		(ii)	Subsidiaries and/or joint ventures	—	—	—	—	—	—
		(iii)	Others	—	—	—	—	—	—
7.	Advances			211398	262624	374447	397628	936295	1560292
				(41.5)	(46.8)	(52.4)	(56.6)	(38.8)	(41.3)
	Type-wise
	7A.1.	Bills	purchased and discounted	18466	28508	84693	86667	25850	74265
	7A.2.	Cash credits, overdrafts & loans		125574	140860	192796	201731	311973	445484
	7A.3.	Term loans		67358	93256	96958	109230	598472	1040543
	Security-wise
	7B.1.	Secured by tangible assets		198934	232853	276587	292721	823909	1347846
	7B.2.	Covered by Bank/Government Guarantees		2293	1080	57418	64581	8804	10003
	7B.3.	Unsecured		10172	28691	40442	40326	103581	202443
	Sector-wise
	7C. I.	Advances in India		211399	262624	374447	397628	936295	1560293
		(i)	Priority sectors	95416	124431	127698	127574	245622	440359
		(ii)	Public sectors	—	8664	2029	—	1450	3834
		(iii)	Banks	—	—	48745	60453	25	198
		(iv)	Others	115983	129529	195975	209601	689198	1115902
	7C.II.	Advances outside India		—	—	—	—	—	—
8.	Fixed	Assets		5364	5090	11495	10806	43515	51843
				(1.1)	(0.9)	(1.6)	(1.5)	(1.8)	(1.4)
	8.1.	Premises		2939	2859	7911	7932	2680	2985
	8.2.	Fixed assets under construction		—	—	—	—	2622	1564
	8.3.	Other Fixed assets		2425	2231	3584	2874	38213	47294
9.	Other Assets			18359	13454	22618	28607	89609	207137
				(3.6)	(2.4)	(3.2)	(4.1)	(3.7)	(5.5)
	9.1.	Inter	- office adjustments (net)	—	—	2796	—	—	—
	9.2.	Interest accrued		8199	7482	5567	4691	21085	26725
	9.3.	Tax	paid	—	—	6156	7046	8241	9678
	9.4.	Stationery and Stamps		21	21	283	270	65	70
	9.5.	Others		10139	5951	7816	16600	60218	170664

	Total	Assets		508948	561680	713937	708365	2415016	3774367
				(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

(Amount in Rs. lakh)

		As on March 31
		Yes
		Bank	#
		Items
		2004	2005

		(61)	(62)

1.	Capital		20000
			(15.6)

2.	Reserves and Surplus		1700
			(1.3)
	2.1.	Statutory Reserves	—
	2.2.	Capital Reserves	—
	2.3.	Share Premium	1700
	2.4.	Investments Fluctuations Reserves	—
	2.5.	Revenue and other Reserves	—
	2.6.	Balance of Profit	—

3.	Deposits		66304
			(51.9)

	Type-wise
	3A.1.	Demand deposits	715
		(i) From banks	—
		(ii) From others	715
	3A.2.	Savings bank deposits	198
	3A.3.	Term deposits	65391
		(i) From banks	—
		(ii) From others	65391

	Location-wise
	3B.1.	Deposits of branches in India	66303
	3B.2.	Deposits of branches outside India	—

4.	Borrowings		36974
			(28.9)
	4.1.	Borrowings in India	31899
		(i) From Reserve Bank of India	—
		(ii) From other banks	20700
		(iii) From other institutions and agencies	11199
	4.2.	Borrowings outside India	5075
	Secured borrowing included in 4.		—

5.	Other liabilities		2840
			(2.2)
	5.1.	Bills Payable	175
	5.2.	Inter-office adjustments	—
	5.3.	Interest accrued	284
	5.4.	Others (including provisions)	2381

	Total	Liabilities	127818
			(100.0)
Notes:Figures in brackets indicate per cent share in total. #:See ‘Explanatory Notes’. Source:Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31
			Yes
			Bank	#
			Items
			2004	2005

			(61)	(62)

1.	Cash	in hand		28
				(0.0)
2.	Balances		with RBI	4105
				(3.2)
3.	Balances		with banks in India	6
				(0.0)
4.	Money at		call and short notice	1000
				(0.8)
5.	Balances		with banks outside India	163
				(0.1)
6.	Investments			39486
				(30.9)
	6.1.	Investments in India		39486
		(i)	Government securities	26870
		(ii)	Other approved securities	—
		(iii)	Shares	—
		(iv)	Debentures and Bonds	12566
		(v)	Subsidiaries and/or joint ventures	—
		(vi)	Others	50
	6.2.	Investments outside India		—
		(i)	Government securities	—
		(ii)	Subsidiaries and/or joint ventures	—
		(iii)	Others	—
7.	Advances			76098
				(59.6)
	Type-wise
	7A.1.	Bills	purchased and discounted	2784
	7A.2.	Cash credits, overdrafts & loans		8329
	7A.3.	Term loans		64985
	Security-wise
	7B.1.	Secured by tangible assets		36987
	7B.2.	Covered by Bank/Government Guarantees		126
	7B.3.	Unsecured		38985
	Sector-wise
	7C. I.	Advances in India		76098
		(i)	Priority sectors	2500
		(ii)	Public sectors	—
		(iii)	Banks	—
		(iv)	Others	73598
	7C.II.	Advances outside India		—
8.	Fixed	Assets		1964
				(1.5)
	8.1.	Premises		—
	8.2.	Fixed assets under construction		330
	8.3.	Other Fixed assets		1634
9.	Other Assets			4966
				(3.9)
	9.1.	Inter	- office adjustments (net)	—
	9.2.	Interest accrued		793
	9.3.	Tax	paid	34
	9.4.	Stationery and Stamps		—
	9.5.	Others		4139

	Total	Assets		127816
				(100.0)