Bank Assets & Liabilities

8/13/2019 Bank Assets & Liabilities

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BANK ASSETS-LIABILITIES &

Profit & Loss Account.

1Atul Parikh


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Bank Balance sheet.

SCHEDULE I:

Capital:

Schedule 2Reserves & Surplus.

I, Statutory reserve:

ii Share Premium Account:

iii. Investment Reserve A/C.

Iv. General Reserve:

V Capital Reserve:

Vi Balance of P/L a/c:

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Bank Balance Sheet.

Schedule 3: DEPOSITS: Demand Deposit:

(i) From Banks

(ii) From Others: Ii Savings Bank Deposits:

Iii Term Deposits:

(i) From Banks

(ii) From Others Total:

Deposits from branches in India:

Deposits from branches outside Inidia:

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Bank Balance Sheet.

SCHEDULE 4BORROWINGS:

1. Borrowings in India:

(i) RBI

(ii) Other Banks: (iii) Other Institutions & agencies:

2. Borrowings from outside India:

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Bank Balance Sheet.

Schedule 5-other liabilities & provisions:

i. Bills Payable

Ii. Inter Office adjustment (net)

Iii. Interest accrued.

Iv. Proposed Dividend (Including tax on Div.).

Vi. Others (Including provisions).

TOTAL:

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Bank Balance Sheet.

schedule-8 Investments: Investment in India in

(i) Govt. Securities.

(ii) Other approved Securities

(iii) Shares (iv) Debentures & Bonds

(v) Investment in subsidiaries/ Joint Ventures

(vi) Others (Mutual Funds, CD; CP; NABARD Deposits etc.

Total:

II. Investment Outside India in (i) Govt. Securities (Including Local Authorities)

(ii) Subsidiaries & Jt. Ventures abroad

(iii) Others.

Total Investment Outside India.

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Bank Balance Sheet.

Schedule 9. Advances:

A (i) Bills Purchased & Discounted

(ii) Cash Credits, Overdrafts & loans repayable on

demand (iii) Term Loans

Total:

B. (i) Secured by Tangible Assets.

(ii) Covered by Bank/Govt. Guarantees

(iii) Unsecured

TOTAL:

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BANK BALANCE SHEET.

Schedule 9. Advances: (Contd). C 1. Advances Outside in India

(i) Priority Sector

(ii) Public Sector

(iii) Banks (iv) Others

Total:

C2. Advances Outside India:

(i) Due from Banks

(ii) Due from Others (a) Bills purchased & discounted

(b) Syndicated loans

Others

Total:

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BANKL BALANCE SHEET.

Schedule 10 Fixed Assets:

Gross Block

Depreciation

Net Block

Schedule 11- Other Assets:

I Inter Office adjustments

Ii Interest Accrued

Iii Tax Paid in Advance/TDS

Iv Stationery & stamps V Non Banking assets acquired against claims

Vi Others.

TOTAL:

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BANK BALANCE SHEET.

Schedule 12. Contingent Liabilities.

Claims against the bank not acknowledged as debts.

Ii Liability for the partly paid investments

Iii. Liability on account of outstanding forward exchange &

derivatives contracts.

(a) Forward contracts

(b) Interest rate swaps, currency swaps.

Foreign currency options

Total of a+b+c. Iv Guarantee given on behalf of constituents in India

V Acceptances endorsements and other obligations

Vi other items for which bank is contingently liable.

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Bank Profit & Loss Account.

SCHEDULE 13.Interest Earned.

i. Interest / Discounts on Advances / Bills.

Ii Income on Investments

Iii. Interest on balances with RBI & other inter-bank funds.

Iv. Others.

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SCHEDULE 14.Other Income. i. Commission, Exchange & Brokerage.

Ii. Profit (loss) on sale of investments (net).

Iii. Profit (loss) on sale of Fixed Assets (net).

Iv. Profit on exchange transaction/derivative transactions (net).

V. Income earned by way of dividend etc from

subsidiaries/companies &/or jt. Venture abroad/in India.

Vi. Miscellaneous income:

SCHEDULE 15. Interest Expended: I Interest on deposits.

Ii. Interest on RBI / Inter-bank borrowings.

Iii. Others. (Including interest on repos & subordinated debt).

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SCHEDULE 16. Operating Expenses.

i. Payment to & provisions for employees.

Ii. Rent taxes & lighting.

Iii. Printing & Stationery.

Iv. Advertisement & Publicity. V. Depreciation on Banks property.

Vi. Directors fees, allowance & expenses.

Vii. Auditors fees & expenses.

Viii. Law charges. Ix. Postage, telephones, telegrams.

X. Repairs & Maintenance.

Xi. Insurance.

xii. Other expenditure.

14Atul Parikh

Documents

Bank Assets & Liabilities