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Date : Sep 14, 1999

Table 48 : Liabilities and Assets of Scheduled Commercial Banks - 1997-98 (Part 4 of 11)

OTHER SCHEDULED COMMERCIAL BANKS

											(Amount in Rs. lakh)
			As on 31st March
Items			Bank of Madura		Bank of Punjab		Bank of Rajasthan		Bareilly Corporation Bank		Benares State Bank
			1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)
1.	Capital		1161	1177	10500	10500	1794	1794	516	516	6092	6211
			(0.5)	(0.3)	(10.0)	(6.8)	(0.5)	(0.5)	(1.5)	(1.5)	(8.9)	(8.0)

2.	Reserves and Surplus		11213	17630	1258	3023	16926	17251	132	132	365	375
			(4.6)	(5.2)	(1.2)	(2.0)	(5.0)	(5.1)	(0.4)	(0.4)	(0.5)	(0.5)
	2.1.	Statutory Reserves	3923	5981	895	1704	4681	4681	95	95	83	103
	2.2.	Capital Reserves	162	162	-	-	2419	2745	2	2	215	1
	2.3.	Share Premium	3452	3551	-	-	1544	1544	2	2	-	-
	2.4.	Revenue and other Reserves	3629	7918	-	-	8283	8283	33	33	67	271
	2.5.	Balance of Profit	47	19	362	1319	-	-	-	-	-	-

3.	Deposits		193087	277271	83142	132069	293893	282673	32371	31936	59508	68379
			(79.4)	(81.7)	(78.9)	(85.3)	(86.3)	(82.9)	(93.3)	(94.4)	(87.2)	(87.8)
	3.1.	Demand deposits	38721	44840	9524	16399	52210	47981	3516	3208	3626	3609
		(i) From banks	677	298	220	395	2341	1313	244	76	60	10
		(ii) From others	38043	44542	9305	16004	49869	46668	3272	3132	3566	3599
	3.2.	Savings bank deposits	27941	32078	9345	14772	44204	51582	10075	10559	15595	18320
	3.3.	Term deposits	126425	200354	64273	100898	197479	183110	18779	18169	40287	46451
		(i) From banks	14346	24766	2058	4038	28762	17178	1630	215	11	-
		(ii) From others	112079	175587	62215	96860	168717	165932	17149	17954	40276	46451
	3.A.	Deposits of branches in India	193087	277271	83142	132069	293893	282673	32371	31936	59508	68379
	3.B.	Deposits of branches outside India	-	-	-	-	-	-	-	-	-	-

4.	Borrowings		27256	23823	3063	393	3135	4040	85	8	749	620
			(11.2)	(7.0)	(2.9)	(0.3)	(0.9)	(1.2)	(0.2)	-	(1.1)	(0.8)
	4.1.	Borrowings in India	27256	23823	3063	393	2532	3796	85	8	749	510
		(i) From Reserve Bank of India	-	-	-	-	-	-	-	-	700	500
		(ii) From other banks	4326	1	3000	-	56	10	63	-	37	-
		(iii) From other institutions and agencies	22929	23822	63	393	2476	3786	22	7	12	10
	4.2.	Borrowings outside India	-	-	-	-	603	244	-	-	-	110

5.	Other liabilities		10408	19446	7470	8919	24850	35318	1585	1221	1562	2326
			(4.3)	(5.7)	(7.1)	(5.8)	(7.3)	(10.4)	(4.6)	(3.6)	(2.3)	(3.0)
	5.1.	Bills payable	4240	3210	2489	3956	4702	4609	768	628	489	541
	5.2.	Inter-office adjustments	-	7884	-	-	2129	1940	348	-	580	858
	5.3.	Interest accrued	1171	2228	1410	2415	12311	21936	205	194	64	483
	5.4.	Others (including provisions)	4997	6125	3570	2548	5708	6833	265	399	429	444
		Total Liabilities	243124	339347	105432	154903	340598	341076	34690	33813	68277	77911
			(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				Bank of Madura		Bank of Punjab		Bank of Rajasthan		Bareilly Corporation Bank		Benares State Bank
				1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
				(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)
1.	Cash in hand			1994	2378	1005	1169	4783	3451	617	463	793	640
				(0.8)	(0.7)	(1.0)	(0.8)	(1.4)	(1.0)	(1.8)	(1.4)	(1.2)	(0.8)
2.	Balances with RBI			16843	31602	8168	13271	34496	26701	4353	3576	6892	6872
				(6.9)	(9.3)	(7.7)	(8.6)	(10.1)	(7.8)	(12.5)	(10.6)	(10.1)	(8.8)
3.	Balances with banks in India			18150	29116	2990	690	14245	14288	4788	3049	823	1114
				(7.5)	(8.6)	(2.8)	(0.4)	(4.2)	(4.2)	(13.8)	(9.0)	(1.2)	(1.4)
4.	Money at call and short notice			95	56	-	-	5730	10298	600	-	-	-
				-	-	-	-	-	(3.0)	(1.7)	-	-	-
5.	Balances with banks outside India			2784	24568	2957	8383	95	499	-	-	29	-
				(1.1)	(7.2)	(2.8)	(5.4)	-	(0.1)	-	-	-	-
6.	Investments			62764	95812	45494	67887	111037	108934	13092	14228	29916	34530
				(25.8)	(28.2)	(43.1)	(43.8)	(32.6)	(31.9)	(37.7)	(42.1)	(43.8)	(44.3)
	6.A.	Investments in India		62764	95812	45494	67887	111037	108934	13092	14228	29916	34530
		(i)	Government securities	46754	60113	23455	37087	60612	62936	6889	7626	13328	16538
		(ii)	Other approved securities	4045	5216	-	-	23964	23718	2342	2342	2636	2999
		(iii)	Shares	912	3714	664	1913	1861	768	8	9	156	227
		(iv)	Debentures and bonds	10938	26009	19582	28406	14781	11184	665	1065	240	731
		(v)	Subsidiaries and joint ventures	-	760	-	-	770	279	-	-	-	-
		(vi)	Others	116	-	1794	481	9050	10050	3188	3186	13556	14035
	6.B.	Investments outside India		-	-	-	-	-	-	-	-	-	-
		(i)	Government securities	-	-	-	-	-	-	-	-	-	-
		(ii)	Subsidiaries and joint ventures	-	-	-	-	-	-	-	-	-	-
		(iii)	Others	-	-	-	-	-	-	-	-	-	-
7.	Advances			114818	127796	36499	51878	149829	148029	9026	9773	19503	24675
				(47.2)	(37.7)	(34.6)	(33.5)	(44.0)	(43.4)	(26.0)	(28.9)	(28.6)	(31.7)
	7.1.	Bills purchased and discounted		38131	32857	12293	18660	16406	15811	98	122	4066	3850
	7.2.	Cash credits, overdrafts & loans		37597	50128	14631	22173	85604	88400	8928	9651	11654	16419
	7.3.	Term loans		39090	44810	9575	11045	47819	43817	-	-	3782	4406
8.	Fixed Assets			12289	20240	5032	6893	9312	8432	85	77	1058	1148
				(5.1)	(6.0)	(4.8)	(4.5)	(2.7)	(2.5)	(0.2)	(0.2)	(1.5)	(1.5)
	8.1.	Premises		3096	5027	232	252	3278	3050	9	8	830	794
	8.2.	Fixed assets under construction		1	340	-	-	-	-	-	-	0	0
	8.3.	Other fixed assets		9192	14872	4800	6641	6033	5382	77	69	228	353
9.	Other Assets			13387	7781	3287	4733	11072	20445	2129	2647	9264	8931
				(5.5)	(2.3)	(3.1)	(3.1)	(3.3)	(6.0)	(6.1)	(7.8)	(13.6)	(11.5)
	9.1.	Inter - office adjustments (net)		3269	-	652	1234	-	-	-	24	0	0
	9.2.	Interest accrued		2498	3915	1011	1801	3066	2956	905	1222	2051	1883
	9.3.	Tax paid		1822	1461	769	240	4470	5556	579	673	1206	1135
	9.4.	Stationery and stamps		68	72	34	52	158	144	20	22	42	39
	9.5.	Others		5730	2333	820	1406	3378	11789	625	707	5965	5873
	Total Assets			243124	339347	105432	154903	340598	341076	34690	33813	68277	77911
				(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			Bharat Overseas Bank		Catholic Syrian Bank		Centurion Bank		City Union Bank		Development Credit
			1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
			(11)	(12)	(13)	(14)	(15)	(16)	(17)	(18)	(19)	(20)
1.	Capital		525	525	541	541	10125	10125	540	1800	1637	1661
			(0.5)	(0.4)	(0.3)	(0.3)	(7.8)	(6.4)	(0.6)	(1.6)	(1.3)	(0.9)

2.	Reserves and Surplus		4814	5799	2400	3034	1931	3005	3275	4467	17311	19709
			(4.9)	(4.6)	(1.4)	(1.5)	(1.5)	(1.9)	(3.6)	(3.9)	(13.6)	(10.9)
	2.1.	Statutory Reserves	1359	1709	1209	1434	528	943	2500	3414	2500	3425
	2.2.	Capital Reserves	187	205	895	1211	-	-	2	2	2778	2691
	2.3.	Share Premium	-	-	-	-	-	-	240	518	2707	2782
	2.4.	Revenue and other Reserves	3213	3828	222	298	-	-	533	533	9298	10800
	2.5.	Balance of Profit	55	57	75	90	1404	2062	-	-	29	11

3.	Deposits		82085	109146	152772	184865	103155	124705	78787	102182	102235	143637
			(84.4)	(85.7)	(90.1)	(91.1)	(79.6)	(78.7)	(87.0)	(89.2)	(80.2)	(79.7)
	3.1.	Demand deposits	8833	8111	12417	12846	3603	9747	10940	11326	15112	11906
		(i) From banks	29	34	146	89	126	220	15	20	102	96
		(ii) From others	8804	8077	12271	12756	3477	9528	10925	11306	15010	11810
	3.2.	Savings bank deposits	12044	12894	24394	26346	1871	3939	9157	10444	12371	16242
	3.3.	Term deposits	61208	88141	115961	145674	97681	111019	58689	80412	74753	115489
		(i) From banks	1276	1112	275	3471	55804	33865	71	1884	25715	44422
		(ii) From others	59932	87028	115686	142203	41877	77154	58618	78528	49038	71067
	3.A.	Deposits of branches in India	64449	109146	152772	184865	103155	124705	78787	102182	102235	143637
	3.B.	Deposits of branches outside India	17636	-	-	-	-	-	-	-	-	-

4.	Borrowings		2806	4299	7746	4845	6457	9848	3118	2201	306	8442
			(2.9)	(3.4)	(4.6)	(2.4)	(5.0)	(6.2)	(3.4)	(1.9)	(0.2)	(4.7)
	4.1.	Borrowings in India	1114	882	7674	4845	6292	9794	2690	1944	306	8442
		(i) From Reserve Bank of India	-	-	-	-	-	-	-	-	-	2711
		(ii) From other banks	1000	800	1009	1	3500	500	-	-	-	2500
		(iii) From other institutions and agencies	114	82	6665	4844	2792	9294	2690	1944	306	3231
	4.2.	Borrowings outside India	1692	3417	72	-	165	54	428	257	-	-

5.	Other liabilities		7048	7642	6097	9641	7855	10830	4854	3968	5991	6785
			(7.2)	(6.0)	(3.6)	(4.8)	(6.1)	(6.8)	(5.4)	(3.5)	(4.7)	(3.8)
	5.1.	Bills payable	760	755	760	826	2159	4509	3186	2196	1775	1547
	5.2.	Inter-office adjustments	1798	407	820	1707	-	-	109	405	-	166
	5.3.	Interest accrued	714	909	1284	1476	1808	1959	461	621	1132	1787
	5.4.	Others (including provisions)	3776	5571	3234	5632	3888	4362	1099	746	3083	3285
		Total Liabilities	97278	127411	169556	202926	129524	158513	90574	114618	127479	180235
			(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				Bharat Overseas Bank		Catholic Syrian Bank		Centurion Bank		City Union Bank		Development Credit
				1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
				(11)	(12)	(13)	(14)	(15)	(16)	(17)	(18)	(19)	(20)
1.	Cash in hand			630	494	2055	2139	231	400	3344	2947	1393	1323
				(0.6)	(0.4)	(1.2)	(1.1)	(0.2)	(0.3)	(3.7)	(2.6)	(1.1)	(0.7)
2.	Balances with RBI			4771	6401	10939	13490	10523	10133	7865	11371	14183	11816
				(4.9)	(5.0)	(6.5)	(6.6)	(8.1)	(6.4)	(8.7)	(9.9)	(11.1)	(6.6)
3.	Balances with banks in India			9270	6336	2599	10970	313	7705	3930	3745	4280	1495
				(9.5)	(5.0)	(1.5)	(5.4)	(0.2)	(4.9)	(4.3)	(3.3)	(3.4)	(0.8)
4.	Money at call and short notice			3919	-	-	-	-	2648	-	1000	-	-
				(4.0)	-	-	-	-	(1.7)	-	(0.9)	-	-
5.	Balances with banks outside India			8217	17528	-	3319	1348	155	1212	926	693	3532
				(8.4)	(13.8)	-	(1.6)	(1.0)	(0.1)	(1.3)	(0.8)	(0.5)	(2.0)
6.	Investments			21544	38479	48144	60743	34439	38381	23010	32752	33260	67494
				(22.1)	(30.2)	(28.4)	(29.9)	(26.6)	(24.2)	(25.4)	(28.6)	(26.1)	(37.4)
	6.A.	Investments in India		18967	25495	48144	60743	34439	38381	23010	32752	33260	67493
		(i)	Government securities	14526	18490	30812	42085	29877	30787	15082	19724	25267	47337
		(ii)	Other approved securities	1914	2406	6248	6498	25	25	3791	3753	2650	1357
		(iii)	Shares	3	-	784	984	-	117	267	374	764	3163
		(iv)	Debentures and bonds	2444	4219	6685	7467	1681	4382	3294	8234	3928	15198
		(v)	Subsidiaries and joint ventures	-	-	-	-	-	-	-	-	-	-
		(vi)	Others	81	380	3616	3708	2856	3071	576	666	650	438
	6.B.	Investments outside India		2577	12984	-	-	-	-	-	-	1	1
		(i)	Government securities	2577	12879	-	-	-	-	-	-	-	-
		(ii)	Subsidiaries and joint ventures	-	-	-	-	-	-	-	-	-	-
		(iii)	Others	-	106	-	-	-	-	-	-	1	1
7.	Advances			43894	52151	95507	101036	73521	84483	47641	57552	61163	76283
				(45.1)	(40.9)	(56.3)	(49.8)	(56.8)	(53.3)	(52.6)	(50.2)	(48.0)	(42.3)
	7.1.	Bills purchased and discounted		7259	10081	6366	8339	53527	45323	6553	6064	15389	22988
	7.2.	Cash credits, overdrafts & loans		27722	32156	45957	48184	8530	24032	30620	37883	26056	26652
	7.3.	Term loans		8913	9915	43184	44512	11464	15128	10468	13605	19719	26643
8.	Fixed Assets			644	759	3813	3422	5651	10541	1338	1572	10387	14393
				(0.7)	(0.6)	(2.2)	(1.7)	(4.4)	(6.6)	(1.5)	(1.4)	(8.1)	(8.0)
	8.1.	Premises		303	334	875	849	2378	4779	649	825	5982	5964
	8.2.	Fixed assets under construction		-	-	-	-	-	-	-	-	-	-
	8.3.	Other fixed assets		341	425	2937	2573	3274	5762	689	747	4405	8429
9.	Other Assets			4389	5262	6499	7808	3498	4067	2234	2754	2119	3898
				(4.5)	(4.1)	(3.8)	(3.8)	(2.7)	(2.6)	(2.5)	(2.4)	(1.7)	(2.2)
	9.1.	Inter - office adjustments (net)		-	-	-	-	-	-	-	-	61	-
	9.2.	Interest accrued		733	856	4046	5032	982	1112	814	1248	1070	2279
	9.3.	Tax paid		2305	2635	1334	1225	899	1588	632	776	17	92
	9.4.	Stationery and stamps		84	89	95	100	13	11	27	25	21	33
	9.5.	Others		1267	1683	1024	1451	1605	1356	760	705	950	1494
	Total Assets			97278	127411	169556	202926	129524	158513	90574	114618	127479	180235
				(100.0)	(100.0)	(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.