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Date : Sep 14, 1999

Table 48 : Liabilities and Assets of Scheduled Commercial Banks - 1997-98 (Part 5 of 11)

OTHER SCHEDULED COMMERCIAL BANKS

											(Amount in Rs. lakh)
			As on 31st March
Items			Dhanalakshmi Bank		Federal Bank		Ganesh Bank of Kurundwad		Global Trust Bank		HDFC Bank
			1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
			(21)	(22)	(23)	(24)	(25)	(26)	(27)	(28)	(29)	(30)
1.	Capital		1374	1451	2165	2171	3	3	10400	10400	20000	20000
			(1.1)	(1.2)	(0.4)	(0.3)	-	-	(3.9)	(2.8)	(11.0)	(10.6)

2.	Reserves and Surplus		4008	4952	30910	35238	369	479	7974	13772	4398	8513
			(3.3)	(4.1)	(5.7)	(4.8)	(4.5)	(4.6)	(3.0)	(3.6)	(2.4)	(3.0)
	2.1.	Statutory Reserves	633	954	8439	11032	144	201	2255	4748	1435	3014
	2.2.	Capital Reserves	590	620	1051	1499	25	-	-	-	-	-
	2.3.	Share Premium	2272	2731	14801	14885	-	-	-	-	-	-
	2.4.	Revenue and other Reserves	511	646	6557	7684	200	278	5710	9021	-	-
	2.5.	Balance of Profit	2	2	63	138	-	-	8	3	2963	5499

3.	Deposits		107633	104029	460340	642442	7130	9226	227934	328537	127907	219174
			(88.3)	(85.9)	(84.3)	(87.9)	(86.8)	(88.1)	(86.0)	(86.9)	(70.5)	(77.4)
	3.1.	Demand deposits	7699	6779	26543	32756	527	606	17445	21381	40886	67321
		(i) From banks	-	3	2238	3860	36	65	10	1	15	76
		(ii) From others	7699	6777	24304	28896	491	541	17435	21380	40871	67245
	3.2.	Savings bank deposits	8640	9676	58374	66335	1304	1557	2278	4742	6867	17735
	3.3.	Term deposits	91294	87573	375423	543351	5300	7063	208210	302413	80154	134118
		(i) From banks	23575	12402	61527	157964	176	321	61781	73692	-	-
		(ii) From others	67719	75171	313896	385387	5124	6742	146430	228722	80154	134118
	3.A.	Deposits of branches in India	107633	104029	460340	642442	7130	9226	227934	328537	127907	219174
	3.B.	Deposits of branches outside India	-	-	-	-	-	-	-	-	-	-

4.	Borrowings		3806	2419	28666	23155	323	334	7079	3638	19928	5470
			(3.1)	(2.0)	(5.2)	(3.2)	(3.9)	(3.2)	(2.7)	(1.0)	(11.0)	(1.9)
	4.1.	Borrowings in India	3806	2419	28666	23155	323	334	6649	1533	19685	4759
		(i) From Reserve Bank of India	-	39	6700	825	-	-	4958	-	-	-
		(ii) From other banks	1500	-	7500	5500	-	-	-	-	11521	9
		(iii) From other institutions and agencies	2306	2380	14466	16830	323	334	1690	1533	8164	4750
	4.2.	Borrowings outside India	-	-	-	-	-	-	430	2106	243	711

5.	Other liabilities		5065	8243	24112	28068	392	429	11767	21802	9326	19841
			(4.2)	(6.8)	(4.4)	(3.8)	(4.8)	(4.1)	(4.4)	(5.8)	(5.1)	(7.0)
	5.1.	Bills payable	63	76	11350	11232	44	42	1901	3987	3008	5803
	5.2.	Inter-office adjustments	391	2375	-	-	32	-	-	-	-	-
	5.3.	Interest accrued	968	927	2679	4489	53	62	3875	4925	1078	3701
	5.4.	Others (including provisions)	3642	4865	10083	12348	263	325	5990	12890	5240	10337
		Total Liabilities	121886	121093	546192	731074	8217	10471	265153	378149	181559	282998
			(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				Dhanalakshmi Bank		Federal Bank		Ganesh Bank of Kurundwad		Global Trust Bank		HDFC 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			1329	1181	5148	5867	182	245	427	516	458	1126
				(1.1)	(1.0)	(0.9)	(0.8)	(2.2)	(2.3)	(0.2)	(0.1)	(0.3)	(0.4)
2.	Balances with RBI			10987	8687	29383	36458	685	905	24869	30109	17367	20084
				(9.0)	(7.2)	(5.4)	(5.0)	(8.3)	(8.6)	(9.4)	(8.0)	(9.6)	(7.1)
3.	Balances with banks in India			14949	7580	25192	12250	353	388	908	1083	1961	839
				(12.3)	(6.3)	(4.6)	(1.7)	(4.3)	(3.7)	(0.3)	(0.3)	(1.1)	(0.3)
4.	Money at call and short notice			500	4825	-	-	137	244	1488	7562	6092	31634
				(0.4)	(4.0)	-	-	(1.7)	(2.3)	(0.6)	(2.0)	(3.4)	(11.2)
5.	Balances with banks outside India			-	58	3351	10581	-	-	204	90	446	426
				-	-	(0.6)	(1.4)	-	-	(0.1)	-	(0.2)	(0.2)
6.	Investments			30070	35453	145617	236595	1719	1964	66207	121511	72972	112133
				(24.7)	(29.3)	(26.7)	(32.4)	(20.9)	(18.8)	(25.0)	(32.1)	(40.2)	(39.6)
	6.A.	Investments in India		30070	35453	145617	236595	1719	1964	66207	121511	72972	112133
		(i)	Government securities	21871	24292	98620	153444	1336	1592	60779	82433	36513	57329
		(ii)	Other approved securities	1119	1073	7542	7784	372	362	585	585	-	-
		(iii)	Shares	124	951	3311	12536	-	-	2122	3375	858	2153
		(iv)	Debentures and bonds	5950	8618	32875	60171	10	10	2338	33417	30967	48187
		(v)	Subsidiaries and joint ventures	-	-	1500	1500	-	-	-	-	-	-
		(vi)	Others	1006	519	1769	1160	1	1	384	1701	4634	4464
	6.B.	Investments outside India		-	-	-	-	-	-	-	-	-	-
		(i)	Government securities	-	-	-	-	-	-	-	-	-	-
		(ii)	Subsidiaries and joint ventures	-	-	-	-	-	-	-	-	-	-
		(iii)	Others	-	-	-	-	-	-	-	-	-	-
7.	Advances			56241	57606	299941	392117	4534	5639	146246	175585	57526	84198
				(46.1)	(47.6)	(54.9)	(53.6)	(55.2)	(53.9)	(55.2)	(46.4)	(31.7)	(29.8)
	7.1.	Bills purchased and discounted		5361	5796	95386	140433	57	93	46356	42036	4426	27495
	7.2.	Cash credits, overdrafts & loans		33071	30454	145556	174111	1592	2351	81896	91143	22582	23502
	7.3.	Term loans		17809	21357	58998	77573	2885	3195	17994	42406	30518	33201
8.	Fixed Assets			1303	1373	13430	15559	428	894	16154	27563	9867	11031
				(1.1)	(1.1)	(2.5)	(2.1)	(5.2)	(8.5)	(6.1)	(7.3)	(5.4)	(3.9)
	8.1.	Premises		652	628	3251	6499	344	700	5853	10541	3807	4142
	8.2.	Fixed assets under construction		-	-	-	-	-	-	-	-	318	388
	8.3.	Other fixed assets		651	745	10179	9059	84	193	10301	17022	5742	6501
9.	Other Assets			6507	4331	24130	21648	179	191	8650	14128	14870	21527
				(5.3)	(3.6)	(4.4)	(3.0)	(2.2)	(1.8)	(3.3)	(3.7)	(8.2)	(7.6)
	9.1.	Inter - office adjustments (net)		-	-	7433	1870	-	40	-	-	-	-
	9.2.	Interest accrued		1847	2097	7170	10446	63	92	2208	5189	2968	3204
	9.3.	Tax paid		296	598	3816	5739	64	16	50	-	33	398
	9.4.	Stationery and stamps		43	34	182	181	18	20	3	5	9	3
	9.5.	Others		4321	1602	5529	3412	34	23	6388	8934	11860	17922
	Total Assets			121886	121093	546192	731074	8217	10471	265153	378149	181559	282998
				(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			ICICI Bank		IDBI Bank		IndusInd Bank		Jammu & Kashmir Bank		Karnataka Bank
			1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
			(31)	(32)	(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)
1.	Capital		15000	16500	10000	10000	12000	15786	700	3000	1349	1350
			(8.4)	(5.0)	(12.7)	(4.5)	(3.4)	(3.1)	(0.2)	(0.5)	(0.5)	(0.3)

2.	Reserves and Surplus		3188	10175	462	2467	15947	35482	17025	24537	16398	21447
			(1.8)	(3.1)	(0.6)	(1.1)	(4.5)	(7.1)	(4.0)	(4.4)	(5.7)	(5.6)
	2.1.	Statutory Reserves	3186	5886	92	493	3490	6490	2730	4389	6409	9617
	2.2.	Capital Reserves	-	-	-	-	-	-	33	33	-	232
	2.3.	Share Premium	-	3750	-	-	8000	21251	-	3500	7189	7198
	2.4.	Revenue and other Reserves	-	500	-	-	4430	7630	14262	16615	2800	4400
	2.5.	Balance of Profit	2	39	370	1974	26	111	-	-	1	1

3.	Deposits		134760	262902	50525	184553	309310	427334	365814	488246	251059	340835
			(75.6)	(80.2)	(63.9)	(83.8)	(86.8)	(85.0)	(86.4)	(87.3)	(86.8)	(88.3)
	3.1.	Demand deposits	31633	36317	6191	56348	21172	34203	64867	80164	24508	25167
		(i) From banks	335	372	4	5	350	1428	3662	6928	351	366
		(ii) From others	31298	35945	6186	56343	20822	32775	61205	73236	24157	24801
	3.2.	Savings bank deposits	4967	10374	455	1619	2677	4384	90597	104191	40994	45189
	3.3.	Term deposits	98160	216211	43879	126586	285462	388747	210350	303891	185558	270479
		(i) From banks	9447	25856	5179	17278	35957	61959	20007	36121	8171	21964
		(ii) From others	88713	190356	38700	109307	249505	326787	190343	267771	177387	248515
	3.A.	Deposits of branches in India	134760	262902	50525	184553	309310	427334	365814	488246	251059	340835
	3.B.	Deposits of branches outside India	-	-	-	-	-	-	-	-	-	-

4.	Borrowings		9299	19223	15546	16081	6843	6262	1793	1232	8761	9200
			(5.2)	(5.9)	(19.7)	(7.3)	(1.9)	(1.2)	(0.4)	(0.2)	(3.0)	(2.4)
	4.1.	Borrowings in India	9299	19223	15465	16081	6843	6262	1258	1190	8761	9200
		(i) From Reserve Bank of India	-	-	2540	2581	-	-	-	-	-	-
		(ii) From other banks	8003	2929	6325	10800	5259	1981	1037	178	2	-
		(iii) From other institutions and agencies	1295	16294	6600	2700	1584	4281	222	1011	8758	9200
	4.2.	Borrowings outside India	-	-	81	-	-	-	534	43	-	-

5.	Other liabilities		15940	19143	2498	7051	12050	17697	38066	42544	11834	13138
			(8.9)	(5.8)	(3.2)	(3.2)	(3.4)	(3.5)	(9.0)	(7.6)	(4.1)	(3.4)
	5.1.	Bills payable	6879	10781	942	3065	3734	4828	20123	18412	2243	2578
	5.2.	Inter-office adjustments	-	-	-	-	-	209	7743	6053	1762	884
	5.3.	Interest accrued	567	1756	366	2280	4617	6330	2729	3209	1167	1392
	5.4.	Others (including provisions)	8495	6606	1190	1705	3700	6330	7472	14868	6661	8284
		Total Liabilities	178187	327943	79032	220153	356150	502560	423398	559559	289401	385969
			(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				ICICI Bank		IDBI Bank		IndusInd Bank		Jammu & Kashmir Bank		Karnataka Bank
				1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
				(31)	(32)	(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)
1.	Cash in hand			262	700	49	168	225	407	4549	4571	3112	3240
				(0.1)	(0.2)	(0.1)	(0.1)	(0.1)	(0.1)	(1.1)	(0.8)	(1.1)	(0.8)
2.	Balances with RBI			14771	30310	3489	33138	24219	32604	40499	83748	26208	38435
				(8.3)	(9.2)	(4.4)	(15.1)	(6.8)	(6.5)	(9.6)	(15.0)	(9.1)	(10.0)
3.	Balances with banks in India			12643	2525	425	4176	4149	2138	14579	23284	11317	11796
				(7.1)	(0.8)	(0.5)	(1.9)	(1.2)	(0.4)	(3.4)	(4.2)	(3.9)	(3.1)
4.	Money at call and short notice			8260	51105	-	-	2500	2500	7500	-	-	-
				(4.6)	(15.6)	-	-	(0.7)	(0.5)	(1.8)	-	-	-
5.	Balances with banks outside India			1355	2648	1968	3323	6562	21066	2736	2819	6812	8968
				(0.8)	(0.8)	(2.5)	(1.5)	(1.8)	(4.2)	(0.6)	(0.5)	(2.4)	(2.3)
6.	Investments			43535	102339	19581	84764	105454	169625	159273	206068	83364	125826
				(24.4)	(31.2)	(24.8)	(38.5)	(29.6)	(33.8)	(37.6)	(36.8)	(28.8)	(32.6)
	6.A.	Investments in India		43535	102339	19581	84764	105454	169625	159273	206068	83364	125826
		(i)	Government securities	31336	70467	8924	38150	72466	126411	121170	141790	57349	94577
		(ii)	Other approved securities	-	-	-	-	1712	2615	16568	17740	6232	6108
		(iii)	Shares	1047	4703	-	5100	488	922	12	1074	209	1763
		(iv)	Debentures and bonds	6934	21651	9325	31208	26701	38243	15029	39108	15542	18939
		(v)	Subsidiaries and joint ventures	-	-	-	-	-	-	-	583	-	-
		(vi)	Others	4218	5518	1332	10306	4088	1434	6494	5772	4032	4438
	6.B.	Investments outside India		-	-	-	-	-	-	-	-	-	-
		(i)	Government securities	-	-	-	-	-	-	-	-	-	-
		(ii)	Subsidiaries and joint ventures	-	-	-	-	-	-	-	-	-	-
		(iii)	Others	-	-	-	-	-	-	-	-	-	-
7.	Advances			79800	112787	49542	84305	192766	245083	169398	215824	144969	181829
				(44.8)	(34.4)	(62.7)	(38.3)	(54.1)	(48.8)	(40.0)	(38.6)	(50.1)	(47.1)
	7.1.	Bills purchased and discounted		7640	14092	21575	26981	10227	31087	7391	6806	17347	21033
	7.2.	Cash credits, overdrafts & loans		63210	84159	10863	25300	166107	180958	122618	148482	96684	122275
	7.3.	Term loans		8950	14536	17104	32025	16432	33038	39389	60536	30938	38522
8.	Fixed Assets			9637	18370	1971	6336	9973	12660	1992	3794	5381	6510
				(5.4)	(5.6)	(2.5)	(2.9)	(2.8)	(2.5)	(0.5)	(0.7)	(1.9)	(1.7)
	8.1.	Premises		2831	10249	13	1210	1335	2461	541	1149	1343	2175
	8.2.	Fixed assets under construction		-	-	188	854	-	-	66	947	-	-
	8.3.	Other fixed assets		6806	8121	1770	4273	8638	10199	1384	1697	4038	4335
9.	Other Assets			7923	7158	2006	3941	10302	16476	22872	19451	8237	9365
				(4.4)	(2.2)	(2.5)	(1.8)	(2.9)	(3.3)	(5.4)	(3.5)	(2.8)	(2.4)
	9.1.	Inter - office adjustments (net)		-	-	1	49	30	-	-	-	-	-
	9.2.	Interest accrued		1371	2736	500	1667	2971	4445	5815	8040	3044	4329
	9.3.	Tax paid		12	55	843	619	129	476	3508	-	3223	3374
	9.4.	Stationery and stamps		1	1	-	14	-	-	-	-	92	115
	9.5.	Others		6539	4366	663	1591	7173	11556	13549	11411	1878	1546
	Total Assets			178187	327943	79032	220153	356150	502560	423398	559559	289401	385969
				(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.