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| BALANCE SHEET AS ON 31ST MARCH, 2004 |
| (000's are omitted) | ||||
| CAPITAL & LIABILITIES | as on 31/03/04 | as on 31/03/03 | as on 31/03/02 | |
| CAPITAL | 2,430,560 | 2,430,560 | 2,430,560 | |
| RESERVE & SURPLUS | 2,235,371 | 2,14,38,41 | 2,015,484 | |
| DEPOSITS | 13,64,20,316 | 13,22,36,249 | 12,482,614,5 | |
| BORROWINGS | 1,00,683 | 2,47,586 | 7,084,31 | |
| OTHER LIABILITIES AND PROVISIONS | 89,26,983 | 78,50,824 | 7,555,090 | |
| TOTAL | 15,01,13,913 | 14,49,09,060 | 137,535,710 | |
| ASSETS | . | . | ||
| CASH & BALANCES WITH RESERVE BANK OF INDIA | 1,06,71,693 | 90,39,762 | 8,615,472 | |
| BALANCES WITH BANKS & MONEY AT CALL AND SHORT NOTICE | 45,93,267 | 62,35,417 | 6,776,735 | |
| INVESTMENTS | 6,77,65,937 | 6,23,74,844 | 57,449,431 | |
| ADVANCES | 6,03,00,142 | 5,89,20,887 | 55,767,379 | |
| FIXED ASSETS | 6,32,754 | 6,84,167 | 772,301 | |
| OTHER ASSETS | 61,50,120 | 76,53,983 | 8,154,392 | |
| TOTAL | 15,01,13,913 | 14,49,09,060 | 137,535,710 | |
| CONTINGENT LIABILITIES | 1,83,48,507 | 2,50,95,101 | 23,663,062 | |
| BILLS FOR COLLECTION | 47.84,994 | 42,96,037 | 5,117,742 | |
PROFIT AND LOSS ACCOUNT FOR YEAR ENDED 31ST MARCH, 2004
| (000's are omitted) | ||||
| INCOME |
Year ended March 31,2004 |
Year ended March 31,2003 |
Year ended March 31,2002 | |
| INTEREST EARNED | 1,27,85,011 | 1,28,41,545 | 12,658,895 | |
| OTHER INCOME | 25,58,801 | 30,71,491 | 2,282,459 | |
| TOTAL | 1,53,43,812 | 1,59,13,036 | 14,941,354 | |
| EXPENDITURE | ||||
| INTEREST EXPANDED | 78,51,836 | 89,78,909 | 9,491,112 | |
| OPERATING EXPENSES | 59,95,911 | 41,25,713 | 3,813,251 | |
| PROVISIONS AND CONTINGENCIES | 14,07,208 | 27,64,095 | 140,658,5 | |
| TOTAL | 1,52,54,955 | 1,58,68,717 | 14,710,948 | |
| PROFIT/LOSS | ||||
| NET PROFIT/LOSS FOR THE YEAR | 88,857 | 44,319 | 230,406 | |
| PROFIT/LOSS (-) BROUGHT FORWARD | 3,13,318 | 5,72,228 | 717,518 | |
| Withdrawl from Investment Fluctuation Reserve | 12,051 | 1,42,792 | Nil | |
| Withdrawl from Leave Encashment Fund | 25,000 | Nil | Nil | |
| TOTAL | 4,39,226 | 7,59,339 | 947,924 | |
| APPROPRIATIONS | ||||
| TRANSFER TO: | ||||
| STATUTORY RESERVES | 30,000 | 12,500 | 68,106 | |
| CAPITAL RESERVE (INVESTMENT) | Nil | 2,40,729 | 185772 | |
| INVESTMENT FLUCTUATION RESERVE | 1,62,051 | 1,92,792 | 7,031,8 | |
| GOVERNMENT | Nil | Nil | 45,000 | |
| STAFF WELFARE FUND | 2,664 | Nil | 6500 | |
| LEAVE ENCASHMENT FUND | NIL | NIL | NIL | |
| BALANCE CARRIED OVER TO BALANCE SHEET. . . . . . . . . . . . . . . | 244,511 | 3,13,318 | 57,2228 | |
| TOTAL | 4,39,226 | 7,59,339 | 9,479,24 |
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