ICICI Bank 2005 Annual Report Download - page 105

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F45
schedules
SCHEDULE 13 — INTEREST EARNED
I. Interest/discount on advances/bills ....................................................... 69,811,266 61,989,102
II. Income on investments .......................................................................... 23,921,900 27,537,393
III. Interest on balances with Reserve Bank of India and other
inter-bank funds ....................................................................................... 2,334,833 2,193,950
IV. Others* ...................................................................................................... 2,269,453 1,806,278
TOTAL ........................................................................................................ 98,337,452 93,526,723
* Includes interest on income tax refund Rs. 307.4 million (March 31, 2004: Rs. 406.1 million)
SCHEDULE 14 —OTHER INCOME
I. Commission, exchange and brokerage ................................................. 20,746,655 12,037,235
II. Profit/(Loss) on sale of investments (net).............................................. 7,560,560 14,175,352
III. Profit/(Loss) on revaluation of investments (net).................................. 145,644 10,430
IV. Profit/(Loss) on sale of land, buildings and other assets (net)* .......... (9,232) (19,955)
V. Profit/(Loss) on foreign exchange transactions (net) (including premium
amortisation) ........................................................................................... 2,781,079 2,086,142
VI. Income pertaining to insurance business ............................................. 35,354,556 12,809,483
VII. Miscellaneous income (including lease income) ................................. 4,392,606 4,431,494
TOTAL ........................................................................................................ 70,971,868 45,530,181
* Includes gain/loss on sale of leased assets
SCHEDULE 15—INTEREST EXPENDED
I. Interest on deposits................................................................................. 32,622,753 30,194,309
II. Interest on Reserve Bank of India/inter-bank borrowings ................... 4,047,872 3,230,976
III. Others (including interest on borrowings of erstwhile ICICI Limited)* 31,373,162 38,251,291
TOTAL ........................................................................................................ 68,043,787 71,676,576
* Includes expenses incurred to raise funds amounting to Rs. 252.6 million (March 31, 2004: Rs. 297.4 million).
SCHEDULE 16—OPERATING EXPENSES
I. Payments to and provisions for employees .......................................... 10,907,630 7,106,649
II. Rent, taxes and lighting .......................................................................... 2,465,214 1,855,998
III. Printing and stationery ............................................................................ 1,052,945 954,119
IV. Advertisement and publicity................................................................... 1,837,990 1,247,016
V. Depreciation on Bank's property (including non banking assets)....... 3,283,466 2,803,542
VI. Depreciation (including lease equalisation) on leased assets ............ 2,974,662 2,805,368
VII. Directors' fees, allowances and expenses............................................ 13,749 8,372
VIII. Auditors' fees and expenses .................................................................. 36,285 30,673
IX. Law charges ........................................................................................... 338,794 571,637
X. Postages, telegrams, telephones, etc. .................................................. 2,216,701 1,600,421
XI. Repairs and maintenance........................................................................ 2,550,917 2,080,307
XII. Insurance ........................................................................................... 185,839 371,742
XII. Direct marketing agency expenses ....................................................... 5,064,341 3,091,033
XIII. Expenses pertaining to insurance business ......................................... 32,042,377 11,888,585
XIV. Other expenditure.................................................................................... 7,881,093 5,518,791
TOTAL ........................................................................................................ 72,852,003 41,934,253
SCHEDULE 17—PROVISIONS AND CONTINGENCIES
I. Income tax
- Current period tax ............................................................................ 2,522,096 3,465,972
- Deferred tax adjustment ................................................................. 3,131,712 (91,633)
II. Wealth tax ................................................................................................. 30,009 24,017
III. Provision for investments (including credit substitutes) (net) ............ 5,433,165 1,170,335
IV. Provision for advances (net)* .................................................................. (889,859) 4,873,127
V. Others ................................................................................................... 85,984 207,936
TOTAL ................................................................................................... 10,313,107 9,649,754
* Includes provision on non performing advances, non performing leased assets, other receivables and standard assets.
(Rs. in ‘000s)forming part of the Consolidated Profit and Loss Account
Year ended Year ended
31.03.2005 31.03.2004