YOGESH NAMDEO INGLE.MBA (FINANCE), NET (MANAGEMENT), Ph.D (WIP), G.D.C &A, NCMP.

1

UNDERSTANDING A BANK’S FINANCIALS

Bank Balancesheet

YOGESH NAMDEO INGLE.MBA (FINANCE), NET (MANAGEMENT), Ph.D (WIP), G.D.C &A, NCMP.

2

Covered by the Companies Act, 1956. Schedule VI has specified a format for financial

statements of companies. On January 2010, the Ministry of Corporate Affairs

issued a road map for India to transition to International Financial Reporting Standards (IFRS).

Scheduled commercial banks and urban cooperative banks will adopt IFRS from April 1, 2013.

Bank Balancesheet

YOGESH NAMDEO INGLE.MBA (FINANCE), NET (MANAGEMENT), Ph.D (WIP), G.D.C &A, NCMP.

3

TRIAL BALANCE

AS ON 11TH JULY 2013.

(000s omitted)

PARTICULARS Rs.

Other Liabilities and Provisions 80,336,70,40

Investments 285,790,07,06

Interest Expended 47,322,47,80

Advances 631,914,15,20

Operating Expenses 20,318,68,00

Fixed Assets 4,412,90,67

Provisions and Contingencies 91,54,85,92

Reserves and Surplus 65,314,31,60

Deposits 804,116,22,68

Borrowings 103,011,60,11

Other Assets 35,112,75,96

Interest Earned 70,993,91,75

Other Income 14,968,15,27

Cash and Balances with Reserve Bank of India 61,290,86,52

Bal with banks and Money at call and short notice 34,892,97,64

Capital 634,88,26

Transfer to Statutory Reserves 6,381,08,85

Transfer to Capital Reserve 114,05,47

Transfer to Revenue Reserve and Other Reserves 529,50,65

Dividend: Interim Dividend 634,88,02

Final Dividend proposed 1,269,76,77

Tax on Dividend 236,75,74

Balance carried over to Balance Sheet 33,93

Bank Balancesheet

YOGESH NAMDEO INGLE.MBA (FINANCE), NET (MANAGEMENT), Ph.D (WIP), G.D.C &A, NCMP.

4Bank Balancesheet

YOGESH NAMDEO INGLE.MBA (FINANCE), NET (MANAGEMENT), Ph.D (WIP), G.D.C &A, NCMP.

5Bank Balancesheet

YOGESH NAMDEO INGLE.MBA (FINANCE), NET (MANAGEMENT), Ph.D (WIP), G.D.C &A, NCMP.

6Bank Balancesheet

YOGESH NAMDEO INGLE.MBA (FINANCE), NET (MANAGEMENT), Ph.D (WIP), G.D.C &A, NCMP.

7Bank Balancesheet

YOGESH NAMDEO INGLE.MBA (FINANCE), NET (MANAGEMENT), Ph.D (WIP), G.D.C &A, NCMP.

8

CAMELS FRAMEWORK Capital Adequacy Asset Quality Management Earnings Liquidity Sensitivity to Market Risk

Bank Balancesheet

YOGESH NAMDEO INGLE.MBA (FINANCE), NET (MANAGEMENT), Ph.D (WIP), G.D.C &A, NCMP.

9

HELP YOURSELF

Bank balancesheet

Bank Balancesheet

YOGESH NAMDEO INGLE.MBA (FINANCE), NET (MANAGEMENT), Ph.D (WIP), G.D.C &A, NCMP.

10Bank Balancesheet