ICICI Bank 2007 Annual Report Download - page 123

F53
schedules
SCHEDULE 13 — INTEREST EARNED
I. Interest/discount on advances/bills ............................................................ 169,700,875 106,359,009
II. Income on investments .............................................................................. 68,460,679 40,607,809
III. Interest on balances with Reserve Bank of India and other
inter-bank funds .......................................................................................... 9,037,876 3,433,183
IV. Others 1 ........................................................................................................ 2,813,065 958,247
TOTAL INTEREST EARNED .............................................................................. 250,012,495 151,358,248
1. Includes interest on income tax refunds of Rs. 1,028.2 million (March 31, 2006: Rs. 415.6 million).
SCHEDULE 14 — OTHER INCOME
I. Commission, exchange and brokerage ...................................................... 54,432,414 32,546,535
II. Profit/(loss) on sale of investments (net) .................................................... 14,061,769 10,988,676
III. Profit/(loss) on revaluation of investments (net)1 ........................................ (11,777,037) (8,526,996)
IV. Profit/(loss) on sale of land, buildings and other assets (net)2 .................. 351,246 51,832
V. Profit/(loss) on foreign exchange transactions (net) ................................... 8,435,218 4,451,911
VI. Premium and other operating income from insurance business ............... 95,125,466 50,703,679
VII. Miscellaneous income (including lease income)3 ...................................... 2,996,351 4,581,256
TOTAL OTHER INCOME ................................................................................... 163,625,427 94,796,893
1. Includes amortisation of premium on government securities of Rs. 9,987.0 million (March 31, 2006: Rs. 8,802.5 million)
2. Includes profit/(loss) on sale of assets given on lease.
3. Includes lease income of Rs. 2,403.3 million (March 31, 2006: Rs. 3,641.2 million)
SCHEDULE 15 — INTEREST EXPENDED
I. Interest on deposits .................................................................................... 124,565,606 59,590,224
II. Interest on Reserve Bank of India/inter-bank borrowings1 ......................... 16,659,290 11,888,142
III. Others (including interest on borrowings of erstwhile ICICI Limited) ........ 35,532,297 29,536,430
TOTAL INTEREST EXPENDED ......................................................................... 176,757,193 101,014,796
1. Includes interest paid on inter-bank deposits.
SCHEDULE 16 — OPERATING EXPENSES
I. Payments to and provisions for employees ............................................... 26,364,966 17,112,066
II. Rent, taxes and lighting .............................................................................. 5,032,549 3,036,174
III. Printing and stationery ................................................................................ 2,310,409 1,421,619
IV. Advertisement and publicity ....................................................................... 5,546,368 3,066,259
V. Depreciation on Bank’s property (including non-banking assets) .............. 4,272,235 3,908,328
VI. Depreciation (including lease equalisation) on leased assets .................... 1,882,750 2,771,014
VII. Directors’ fees, allowances and expenses ................................................. 22,237 14,523
VIII. Auditors’ fees and expenses ...................................................................... 64,192 43,356
IX. Law charges ................................................................................................ 603,440 298,817
X. Postages, telegrams, telephones, etc. ....................................................... 4,392,443 2,825,681
XI. Repairs and maintenance ........................................................................... 4,494,181 3,329,657
XII. Insurance ..................................................................................................... 1,674,444 298,979
XIII. Direct marketing agency expenses ............................................................ 15,602,364 11,912,231
XIV. Claims and benefits paid pertaining to insurance business ...................... 8,065,681 3,924,456
XV. Other expenses pertaining to insurance business ..................................... 75,292,734 39,464,176
XVI. Other expenditure ....................................................................................... 24,511,135 12,270,270
TOTAL OPERATING EXPENSES ...................................................................... 180,132,128 105,697,606
SCHEDULE 17 — PROVISIONS AND CONTINGENCIES
I. Income tax
- Current period tax ............................................................................... 12,013,402 8,177,377
- Deferred tax adjustment ..................................................................... (4,989,924) (1,595,191)
- Fringe Benefit Tax ............................................................................... 587,178 385,749
II. Wealth tax ................................................................................................... 30,102 30,063
III. Provision for investments (including credit substitutes) (net) .................... 383,945 133,779
IV. Provision for advances (net)1 ....................................................................................................................... 22,082,234 8,117,173
V. Others.......................................................................................................... 307,652 203,564
TOTAL PROVISIONS AND CONTINGENCIES ................................................. 30,414,589 15,452,514
1. Includes provision on standard assets, non-performing advances, non-performing leased assets and other receivables.
(Rs. in ‘000s)
forming part of the Consolidated Profit and Loss Account
Year ended Year ended
31.03.2007 31.03.2006