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Date : Sep 14, 1999

Table 48 : Liabilities and Assets of Scheduled Commercial Banks - 1997-98 (Part 3 of 11)

NATIONALISED BANKS

											(Amount in Rs. lakh)
			As on 31st March
Items			Indian Overseas Bank		Oriental Bank of Commerce		Punjab National Bank		Punjab & Sind Bank		Syndicate Bank
			1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
			(21)	(22)	(23)	(24)	(25)	(26)	(27)	(28)	(29)	(30)
1.	Capital		33360	33360	19254	19254	35057	21224	70553	70553	128959	128959
			(1.9)	(1.6)	(1.7)	(1.3)	(1.0)	(0.5)	(9.3)	(7.8)	(7.4)	(6.6)

2.	Reserves and Surplus		23598	33703	74885	88992	99150	144190	6775	8328	20136	22175
			(1.3)	(1.6)	(6.5)	(6.0)	(2.8)	(3.6)	(0.9)	(0.9)	(1.1)	(1.1)
	2.1.	Statutory Reserves	2767	5028	25800	32200	17488	27035	659	659	2720	2720
	2.2.	Capital Reserves	19101	19605	2714	2714	39698	56182	4818	5764	2963	5114
	2.3.	Share Premium	-	-	32270	32270	-	-	-	-	-	-
	2.4.	Revenue and other Reserves	1730	9071	14100	21345	41964	60973	-	-	14453	14341
	2.5.	Balance of Profit	-	-	2	463	-	-	1297	1905	-	-

3.	Deposits		1597259	1932864	1005406	1305802	3080641	3517356	637956	760956	1494630	1681615
			(89.1)	(90.2)	(87.0)	(88.3)	(87.9)	(88.4)	(84.0)	(84.3)	(85.3)	(86.3)
	3.1.	Demand deposits	233918	246771	121748	137942	327033	377179	63419	61530	217601	205369
		(i) From banks	6780	6194	2424	2797	8215	9970	2378	2180	12089	12387
		(ii) From others	227138	240578	119323	135145	318818	367208	61040	59350	205512	192982
	3.2.	Savings bank deposits	321408	462584	193455	241755	943468	1156483	152240	178308	343331	394346
	3.3.	Term deposits	1041934	1223508	690203	926105	1810141	1983694	422298	521118	933698	1081900
		(i) From banks	56464	59789	18460	15585	58790	70102	18094	17922	139100	168903
		(ii) From others	985470	1163719	671744	910520	1751351	1913592	404204	503197	794599	912997
	3.A.	Deposits of branches in India	1486056	1826312	1005406	1305802	3080641	3517356	637956	760956	1387714	1550960
	3.B.	Deposits of branches outside India	111203	106552	-	-	-	-	-	-	106916	130655

4.	Borrowings		33250	35603	10724	9940	34486	26482	11801	9110	7091	6451
			(1.9)	(1.7)	(0.9)	(0.7)	(1.0)	(0.7)	(1.6)	(1.0)	(0.4)	(0.3)
	4.1.	Borrowings in India	27334	30749	8506	6119	33411	25237	11801	9110	5610	4628
		(i) From Reserve Bank of India	-	-	-	-	-	-	-	-	-	-
		(ii) From other banks	61	67	338	152	2730	655	547	622	24	100
		(iii) From other institutions and agencies	27273	30682	8168	5967	30681	24582	11254	8489	5586	4528
	4.2.	Borrowings outside India	5917	4854	2219	3821	1075	1245	-	-	1481	1823

5.	Other liabilities		105357	107712	45629	54165	254984	267594	32241	54163	100549	108334
			(5.9)	(5.0)	(3.9)	(3.7)	(7.3)	(6.7)	(4.2)	(6.0)	(5.7)	(5.6)
	5.1.	Bills payable	43028	50024	12095	10510	83847	87807	16834	28661	41659	35050
	5.2.	Inter-office adjustments	5857	-	14508	22986	25136	13833	1142	-	8365	5067
	5.3.	Interest accrued	5697	6585	6418	5650	20120	45896	3996	4853	11911	12611
	5.4.	Others (including provisions)	50775	51104	12609	15020	125881	120058	10270	20650	38613	55606
		Total Liabilities	1792825	2143242	1155899	1478152	3504319	3976846	759326	903111	1751364	1947534
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

											(Amount in Rs. lakh)
				As on 31st March
Items				Indian Overseas Bank		Oriental Bank of Commerce		Punjab National Bank		Punjab & Sind Bank		Syndicate Bank
				1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
				(21)	(22)	(23)	(24)	(25)	(26)	(27)	(28)	(29)	(30)
1.	Cash in hand			14103	15514	13954	14823	29515	30971	5975	4842	9839	9288
				(0.8)	(0.7)	(1.2)	(1.0)	(0.8)	(0.8)	(0.8)	(0.5)	(0.6)	(0.5)
2.	Balances with RBI			173561	207259	96118	143226	335949	459025	58858	79841	152710	151687
				(9.7)	(9.7)	(8.3)	(9.7)	(9.6)	(11.5)	(7.8)	(8.8)	(8.7)	(7.8)
3.	Balances with banks in India			15389	13222	13314	10028	6236	8425	4126	4522	15239	16461
				(0.9)	(0.6)	(1.2)	(0.7)	(0.2)	(0.2)	(0.5)	(0.5)	(0.9)	(0.8)
4.	Money at call and short notice			772	623	34892	1908	64330	596	8017	-	50410	-
				-	-	(3.0)	(0.1)	(1.8)	-	(1.1)	-	(2.9)	-
5.	Balances with banks outside India			118911	221145	15327	20282	25585	47037	8934	18660	475	124077
				(6.6)	(10.3)	(1.3)	(1.4)	(0.7)	(1.2)	(1.2)	(2.1)	-	(6.4)
6.	Investments			659265	738199	438822	595725	1397657	1590773	301224	375478	745310	765961
				(36.8)	(34.4)	(38.0)	(40.3)	(39.9)	(40.0)	(39.7)	(41.6)	(42.6)	(39.3)
	6.A.	Investments in India		642239	719103	438822	595725	1397582	1590623	301224	375478	740803	755461
		(i)	Government securities	501558	562547	276028	296510	897409	1010570	203217	224595	529305	532035
		(ii)	Other approved securities	68554	68447	43925	44436	288624	304160	61771	61620	63549	58745
		(iii)	Shares	8327	8970	2120	12667	6169	9912	1337	1356	9707	9844
		(iv)	Debentures and bonds	51544	64735	112416	232302	162275	231650	29591	80925	57373	72464
		(v)	Subsidiaries and joint ventures	115	25	-	-	14953	18898	508	561	3120	3234
		(vi)	Others	12142	14380	4333	9810	28152	15433	4799	6419	77750	79139
	6.B.	Investments outside India		17026	19096	-	-	75	150	-	-	4507	10499
		(i)	Government securities	6709	9035	-	-	-	-	-	-	4507	-
		(ii)	Subsidiaries and joint ventures	4532	4497	-	-	75	150	-	-	-	-
		(iii)	Others	5786	5565	-	-	-	-	-	-	-	10499
7.	Advances			725402	866718	488642	631846	1406689	1604264	279120	318642	583248	695998
				(40.5)	(40.4)	(42.3)	(42.7)	(40.1)	(40.3)	(36.8)	(35.3)	(33.3)	(35.7)
	7.1.	Bills purchased and discounted		91904	101599	45128	61096	137841	136381	30239	28497	35635	32160
	7.2.	Cash credits, overdrafts & loans		532036	637883	298240	390194	889425	984517	125674	169937	213626	262244
	7.3.	Term loans		101461	127236	145274	180556	379423	483366	123206	120208	333987	401594
8.	Fixed Assets			24588	25588	7626	12071	58667	59526	8256	8259	20741	21540
				(1.4)	(1.2)	(0.7)	(0.8)	(1.7)	(1.5)	(1.1)	(0.9)	(1.2)	(1.1)
	8.1.	Premises		20561	20435	1943	5586	46371	46312	5735	5350	16195	17276
	8.2.	Fixed assets under construction		120	305	1091	668	-	-	-	-	1450	265
	8.3.	Other fixed assets		3906	4849	4591	5817	12296	13214	2521	2909	3096	3999
9.	Other Assets			60834	54974	47205	48244	179691	176229	84818	92867	173392	162522
				(3.4)	(2.6)	(4.1)	(3.3)	(5.1)	(4.4)	(11.2)	(10.3)	(9.9)	(8.3)
	9.1.	Inter - office adjustments (net)		-	3103	-	-	-	-	-	7056	-	-
	9.2.	Interest accrued		27558	28355	19140	26432	56542	66282	10380	12796	34880	33951
	9.3.	Tax paid		9905	5496	16275	14704	67099	52320	10464	12143	11174	7923
	9.4.	Stationery and stamps		458	469	34	27	2022	2359	99	120	851	820
	9.5.	Others		22913	17551	11755	7082	54028	55267	63875	60751	126487	119827
	Total Assets			1792825	2143242	1155899	1478152	3504319	3976846	759326	903111	1751364	1947534
				(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

									(Amount in Rs. lakh)
			As on 31st March
Items			Union Bank of India		United Bank of India		United Commercial Bank		Vijaya Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(31)	(32)	(33)	(34)	(35)	(36)	(37)	(38)
1.	Capital		33800	33800	171087	171087	171452	206452	55631	55631
			(1.5)	(1.3)	(13.4)	(11.9)	(10.5)	(11.1)	(6.9)	(5.9)

2.	Reserves and Surplus		105719	123916	10758	16510	40256	39391	15502	16475
			(4.7)	(4.8)	(0.8)	(1.1)	(2.5)	(2.1)	(1.9)	(1.7)
	2.1.	Statutory Reserves	28600	40000	1087	1087	1474	1474	1578	1578
	2.2.	Capital Reserves	3126	5895	9671	15423	117	117	3487	5334
	2.3.	Share Premium	4	4	-	-	-	-	-	-
	2.4.	Revenue and other Reserves	73989	78017	-	-	38665	37800	10437	9563
	2.5.	Balance of Profit	-	-	-	-	-	-	-	-

3.	Deposits		2000499	2305563	1034580	1203756	1261410	1446246	682730	821582
			(89.3)	(89.5)	(81.2)	(83.7)	(77.2)	(77.8)	(84.8)	(87.0)
	3.1.	Demand deposits	311742	325801	104101	113410	176148	191406	133958	145521
		(i) From banks	6499	9101	6410	5852	8687	9547	5322	6090
		(ii) From others	305243	316700	97691	107559	167461	181859	128637	139431
	3.2.	Savings bank deposits	452280	546653	285403	341732	322161	383414	143608	165046
	3.3.	Term deposits	1236476	1433110	645076	748613	763101	871426	405164	511015
		(i) From banks	45037	49103	27217	44292	73875	91399	939	3658
		(ii) From others	1191439	1384006	617859	704321	689226	780028	404225	507357
	3.A.	Deposits of branches in India	2000499	2305563	1034580	1203756	1082869	1263882	682730	821582
	3.B.	Deposits of branches outside India	-	-	-	-	178541	182365	-	-

4.	Borrowings		11829	8332	20648	12037	11291	26890	10772	14371
			(0.5)	(0.3)	(1.6)	(0.8)	(0.7)	(1.4)	(1.3)	(1.5)
	4.1.	Borrowings in India	11829	8332	19293	9907	9039	24055	5986	8166
		(i) From Reserve Bank of India	-	-	9165	-	-	-	-	-
		(ii) From other banks	480	-	393	724	665	3403	10	1775
		(iii) From other institutions and agencies	11348	8332	9735	9183	8374	20652	5976	6392
	4.2.	Borrowings outside India	-	-	1355	2130	2252	2835	4786	6204

5.	Other liabilities		87618	103710	37099	35527	150035	139613	40754	35956
			(3.9)	(4.0)	(2.9)	(2.5)	(9.2)	(7.5)	(5.1)	(3.8)
	5.1.	Bills payable	39707	47754	12413	11622	22383	18387	31634	25492
	5.2.	Inter-office adjustments	172	6692	-	-	14494	3295	-	2405
	5.3.	Interest accrued	11862	13883	7934	8823	87873	90464	2111	8059
	5.4.	Others (including provisions)	35877	35380	16751	15082	25285	27467	7009	-
		Total Liabilities	2239465	2575321	1274172	1438916	1634443	1858592	805387	944014
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

										(Amount in Rs. lakh)
				As on 31st March
Items				Union Bank of India		United Bank of India		United Commercial Bank		Vijaya Bank
				1997	1998	1997	1998	1997	1998	1997	1998
				(31)	(32)	(33)	(34)	(35)	(36)	(37)	(38)
1.	Cash in hand			14080	13865	10424	10686	12451	14230	7621	7460
				(0.6)	(0.5)	(0.8)	(0.7)	(0.8)	(0.8)	(0.9)	(0.8)
2.	Balances with RBI			254311	264009	106771	113472	122357	148352	73233	84485
				(11.4)	(10.3)	(8.4)	(7.9)	(7.5)	(8.0)	(9.1)	(8.9)
3.	Balances with banks in India			11624	13009	5625	3947	8048	20306	10166	14919
				(0.5)	(0.5)	(0.4)	(0.3)	(0.5)	(1.1)	(1.3)	(1.6)
4.	Money at call and short notice			45700	51200	-	-	30216	15127	32700	15000
				(2.0)	(2.0)	-	-	(1.8)	(0.8)	(4.1)	(1.6)
5.	Balances with banks outside India			73418	129220	2285	4378	54024	65825	10061	14916
				(3.3)	(5.0)	(0.2)	(0.3)	(3.3)	(3.5)	(1.2)	(1.6)
6.	Investments			775759	920504	613160	717645	646465	750394	309917	378803
				(34.6)	(35.7)	(48.1)	(49.9)	(39.6)	(40.4)	(38.5)	(40.1)
	6.A.	Investments in India		774524	919269	613159	717644	604068	714667	309917	378803
		(i)	Government securities	534771	614603	472863	522133	447261	469599	241979	287908
		(ii)	Other approved securities	107351	108916	60806	57168	83480	78404	18893	19598
		(iii)	Shares	5906	7208	900	1371	7800	7636	2259	3030
		(iv)	Debentures and bonds	102209	150384	75199	131962	59326	148134	33594	52495
		(v)	Subsidiaries and joint ventures	140	140	1445	1445	4014	4066	480	480
		(vi)	Others	24147	38017	1945	3565	2188	6827	12711	15294
	6.B.	Investments outside India		1235	1235	1	1	42397	35727	-	-
		(i)	Government securities	-	-	-	-	31750	16276	-	-
		(ii)	Subsidiaries and joint ventures	1235	1235	-	-	-	-	-	-
		(iii)	Others	-	-	1	1	10647	19452	-	-
7.	Advances			916836	1027619	302731	337145	489586	561054	247528	322510
				(40.9)	(39.9)	(23.8)	(23.4)	(30.0)	(30.2)	(30.7)	(34.2)
	7.1.	Bills purchased and discounted		84449	92469	29731	34558	91173	93856	21719	27682
	7.2.	Cash credits, overdrafts & loans		524710	602992	142489	163391	232175	272807	103462	138396
	7.3.	Term loans		307678	332158	130511	139196	166237	194390	122347	156433
8.	Fixed Assets			74526	73740	11792	17744	41408	40488	17359	17290
				(3.3)	(2.9)	(0.9)	(1.2)	(2.5)	(2.2)	(2.2)	(1.8)
	8.1.	Premises		60053	59204	10108	15971	38998	38045	12557	12084
	8.2.	Fixed assets under construction		-	-	-	-	-	-	-	-
	8.3.	Other fixed assets		14473	14536	1684	1773	2410	2443	4802	5205
9.	Other Assets			73211	82156	221384	233900	229889	242817	96802	88631
				(3.3)	(3.2)	(17.4)	(16.3)	(14.1)	(13.1)	(12.0)	(9.4)
	9.1.	Inter - office adjustments (net)		-	-	11601	7370	-	-	33684	18733
	9.2.	Interest accrued		28262	33690	27648	45275	24329	32581	12205	15840
	9.3.	Tax paid		24136	23969	17872	20731	11497	14772	4770	4771
	9.4.	Stationery and stamps		213	203	413	387	342	346	415	418
	9.5.	Others		20600	24294	163850	160137	193722	195119	45728	48869
	Total Assets			2239465	2575321	1274172	1438916	1634443	1858592	805387	944014
				(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

Note	:	Figures in bracket indicate percent share in total.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.