ICICI Bank 2003 Annual Report Download - page 143
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F79
Continued
notes to the consolidated financial statements
18. Deposits
Deposits include demand deposits, which are non-interest-bearing, and savings and time deposits, which are interest
bearing. A listing of deposits is set out below:
(Rs. in millions)
As of March 31,
2002 2003
Interest bearing
Savings deposits —37,932
Time deposits 7,380 418,119
7,380 456,051
Non-interest bearing
Demand deposits —35,239
Total 7,380 491,290
Contractual maturities of deposits as of March 31, 2003 are set out below:
(Rs. in millions)
Deposits maturing during the year ending March 31,
2004 334,351
2005 37,410
2006 25,055
2007 6,697
2008 6,798
Thereafter 7,808
Total deposits 418,119
As of March 31, 2003, the aggregate of deposits with individual balances greater than Rs. 5million was
Rs. 267,297 million (2002: Rs. 1,922million).
19. Short-term borrowings
Short-term borrowings represent non-trading borrowings with an original maturity of one year or less.
20. Long-term debt and redeemable preferred stock
Long-term debt
Long-term debt represents debt with an original maturity of greater than one year. Maturity distribution is based on
contractual maturities or earlier dates at which the debt is callable at the option of the holder. A significant portion
of the long-term debt bears a fixed rate of interest. Interest rates on floating-rate debt are generally linked to the
London Inter-Bank Offer Rate or similar money market rates. The segregation between fixed-rate and floating-rate
obligations is based on the contractual terms.