ICICI Bank 2007 Annual Report Download - page 81

F11
SCHEDULE 13 – INTEREST EARNED
I. Interest/discount on advances/bills ............................................................ 160,963,126 102,065,918
II. Income on investments ............................................................................. 59,885,435 36,927,577
III. Interest on balances with Reserve Bank of India and other inter-bank funds 8,085,554 3,354,647
IV. Others1 ........................................................................................................ 1,008,801 713,183
TOTAL INTEREST EARNED ............................................................................... 229,942,916 143,061,325
1. Includes interest on income tax refunds of Rs. 1,022.7 million (March 31, 2006: Rs. 399.8 million).
SCHEDULE 14 – OTHER INCOME
I. Commission, exchange and brokerage ..................................................... 43,308,555 30,019,493
II. Profit/(loss) on sale of investments (net) .................................................... 11,152,403 7,497,522
III. Profit/(loss) on revaluation of investments (net)1 ........................................ (10,337,772) (8,557,360)
IV. Profit/(loss) on sale of land, buildings and other assets (net)2 ................... 1,152,224 71,222
V. Profit/(loss) on foreign exchange transactions (net) ................................... 6,439,626 4,730,846
VI. Income earned by way of dividends, etc. from subsidiary companies
and/or joint venture abroad/in India ............................................................ 4,484,915 3,386,929
VII. Miscellaneous income (including lease income) ....................................... 3,091,735 4,660,207
TOTAL OTHER INCOME .................................................................................... 59,291,686 41,808,859
1. Includes amortisation of premium on government securities of Rs. 9,987.0 million (March 31, 2006: Rs. 8,022.5 million).
2. Includes profit/(loss) on sale of assets given on lease.
SCHEDULE 15 – INTEREST EXPENDED
I. Interest on deposits .................................................................................... 116,477,051 58,366,832
II. Interest on Reserve Bank of India/inter-bank borrowings1 ........................ 13,001,023 9,254,169
III. Others (including interest on borrowings of erstwhile ICICI Limited) ....... 34,106,910 28,353,482
TOTAL INTEREST EXPENDED .......................................................................... 163,584,984 95,974,483
1. Includes interest paid on inter-bank deposits.
SCHEDULE 16 – OPERATING EXPENSES
I. Payments to and provisions for employees ............................................... 16,167,490 10,822,935
II. Rent, taxes and lighting .............................................................................. 3,108,152 2,348,028
III. Printing and stationery ................................................................................ 1,524,660 1,110,432
IV. Advertisement and publicity ....................................................................... 2,177,368 1,855,514
V. Depreciation on Bank’s property (including non–banking assets) ............. 3,565,076 3,471,658
VI. Depreciation (including lease equalisation) on leased assets ................... 1,882,750 2,766,260
VII. Directors’ fees, allowances and expenses ................................................. 3,849 3,237
VIII. Auditors’ fees and expenses ...................................................................... 21,203 18,456
IX. Law charges ................................................................................................ 284,800 112,356
X. Postages, telegrams, telephones, etc. ...................................................... 2,925,819 2,157,585
XI. Repairs and maintenance ......................................................................... 3,369,533 2,580,722
XII. Insurance ..................................................................................................... 1,688,971 1,080,254
XIII. Direct marketing agency expenses ........................................................... 15,238,964 11,770,607
XIV. Other expenditure ....................................................................................... 14,946,929 9,913,493
TOTAL OPERATING EXPENSES ....................................................................... 66,905,564 50,011,537
SCHEDULE 17 – PROVISIONS AND CONTINGENCIES
I. Income tax
— Current period tax ............................................................................... 9,443,237 6,618,650
— Deferred tax adjustment ..................................................................... (4,464,322) (1,346,853)
— Fringe benefit tax ................................................................................ 369,276 263,532
II. Wealth tax ................................................................................................... 30,000 30,000
III. Provision for investments (including credit substitutes) (net) .................... 419,353 (255,957)
IV. Provision for advances (net)1 ...................................................................... 21,592,999 7,947,244
V. Others.......................................................................................................... 251,311 226,801
TOTAL PROVISIONS AND CONTINGENCIES.................................................. 27,641,854 13,483,417
1. Includes provisions on standard assets, non-performing advances, non–performing leased assets and other receivables.
forming part of the Profit and Loss Account
As on As on
31.03.2007 31.03.2006
(Rs. in ‘000s)
schedules