ICICI Bank 2009 Annual Report Download - page 131

F57
schedules
(Rs. in ‘000s)
forming part of the Consolidated Profit and Loss Account
As on
31.03.2009 As on 31.03.2008
SCHEDULE 13 — INTEREST EARNED
I. Interest/discount on advances/bills ........................................................................ 251,907,185 240,683,557
II Income on investments1 ........................................................................................ 93,690,339 89,045,428
III. Interest on balances with Reserve Bank of India and other inter-bank funds........ 7,685,387 8,747,745
IV. Others2 .................................................................................................................... 9,224,153 2,472,835
TOTAL INTEREST EARNED ........................................................................................... 362,507,064 340,949,565
1. Includes amortisation of premium on Government securities of Rs. 7,253.4 million (March 31, 2008: Rs. 8,976.2 million).
2. Includes interest Rs. 3,357.9 million (March 31, 2008: Rs. 880.0 million) on income tax refunds.
SCHEDULE 14 — OTHER INCOME
I. Commission, exchange and brokerage .................................................................. 65,747,868 67,673,441
II. Profit/(Loss) on sale of investments (net) ............................................................... 24,318,015 34,042,178
III. Profit/(Loss) on revaluation of investments (net) .................................................... (4,431,761) (4,787,585)
IV. Profit/(Loss) on sale of land, buildings and other assets (net)1 .............................. 14,611 613,379
V. Profit/(Loss) on foreign exchange transactions (net) .............................................. 1,964,929 1,279,786
VI. Premium and other operating income from insurance business ........................... 183,582,426 159,919,822
VII. Miscellaneous income (including lease income) .................................................... 7,827,655 840,234
TOTAL OTHER INCOME ................................................................................................ 279,023,743 259,581,255
1. Includes profit/(loss) on sale of assets given on lease.
SCHEDULE 15 — INTEREST EXPENDED
I. Interest on deposits ................................................................................................ 182,506,979 187,220,141
II. Interest on Reserve Bank of India/inter-bank borrowings1 ..................................... 26,564,628 23,140,065
III. Others (including interest on borrowings of erstwhile ICICI Limited) .................... 55,800,920 47,309,548
TOTAL INTEREST EXPENDED ...................................................................................... 264,872,527 257,669,754
1. Includes interest paid on inter-bank deposits.
SCHEDULE 16 — OPERATING EXPENSES
I. Payments to and provisions for employees ........................................................... 39,043,015 39,697,995
II. Rent, taxes and lighting .......................................................................................... 10,766,322 8,979,980
III. Printing and stationery ............................................................................................ 2,103,465 2,881,776
IV. Advertisement and publicity ................................................................................... 3,311,278 6,152,109
V. Depreciation ............................................................................................................ 5,965,761 4,973,453
VI. Depreciation (including lease equalisation) on leased assets ................................ 2,101,070 1,820,689
VII. Directors’ fees, allowances and expenses ............................................................. 22,897 20,591
VIII. Auditors’ fees and expenses .................................................................................. 136,872 99,909
IX. Law charges ............................................................................................................ 1,425,366 1,071,497
X. Postages, telegrams, telephones, etc. ................................................................... 4,567,895 5,162,326
XI. Repairs and maintenance ....................................................................................... 6,831,997 6,287,699
XII. Insurance ................................................................................................................. 2,115,359 2,060,956
XIII. Direct marketing agency expenses ........................................................................ 6,121,823 15,749,675
XIV. Claims and benefits paid pertaining to insurance business ................................... 18,094,559 13,002,948
XV. Other expenses pertaining to insurance business ................................................. 147,404,509 129,790,331
XVI. Other expenditure ................................................................................................... 31,845,686 32,682,147
TOTAL OPERATING EXPENSES ................................................................................... 281,857,874 270,434,081
SCHEDULE 17 — PROVISIONS AND CONTINGENCIES
I. Income tax
– Current period tax ........................................................................................... 21,388,517 19,628,199
– Deferred tax adjustment ................................................................................. (6,188,453) (9,341,410)
– Fringe benefit tax ............................................................................................ 659,192 780,041
II. Wealth tax ............................................................................................................... 30,048 30,004
III. Provision for investments (net) .............................................................................. 6,305,112 730,096
IV. Provision for advances (net)1................................................................................... 39,115,672 27,723,909
V. Others...................................................................................................................... (303,901) 1,723,502
TOTAL PROVISIONS AND CONTINGENCIES.............................................................. 61,006,187 41,274,341
1. Includes provision on standard assets, non-performing advances, non-performing leased assets and others.