ICICI Bank 2010 Annual Report Download - page 141

F61
schedules
(Rs. in ‘000s)
forming part of the Consolidated Profit and Loss Account
Year ended
31.03.2010 Year ended 31.03.2009
SCHEDULE 13 — INTEREST EARNED
I. Interest/discount on advances/bills ........................................................................ 203,626,416 251,907,185
II. Income on investments1 ......................................................................................... 78,164,417 93,690,339
III. Interest on balances with Reserve Bank of India and other inter-bank funds........ 7,111,651 7,685,387
IV. Others2,3 ................................................................................................................... 12,634,594 9,224,153
TOTAL INTEREST EARNED ........................................................................................... 301,537,078 362,507,064
1. Includes amortisation of premium on Government securities Rs. 8,121.5 million (March 31, 2009: Rs. 7,253.4 million).
2. Includes interest amounting to Rs. 1,241.8 million (March 31, 2009: Rs. 3,357.9 million) on income tax refunds.
3. Includes interest and amortisation of premium on non-trading interest rate swaps and foreign currency swaps.
SCHEDULE 14 — OTHER INCOME
I. Commission, exchange and brokerage .................................................................. 60,039,038 65,747,868
II. Profit/(loss) on sale of investments (net) ................................................................ 10,359,185 24,318,015
III. Profit/(loss) on revaluation of investments (net) ..................................................... 3,923,447 (4,431,761)
IV. Profit/(loss) on sale of land, buildings and other assets (net)1 ............................... 821,610 14,611
V. Profit/(loss) on foreign exchange transactions (net) ............................................... 11,911,507 1,964,929
VI. Premium and other operating income from insurance business ........................... 204,757,832 183,582,426
VII. Miscellaneous income (including lease income) .................................................... 2,648,029 7,827,655
TOTAL OTHER INCOME ................................................................................................ 294,460,648 279,023,743
1. Includes profit/(loss) on sale of assets given on lease.
SCHEDULE 15 — INTEREST EXPENDED
I. Interest on deposits ................................................................................................ 135,093,359 182,506,979
II. Interest on Reserve Bank of India/inter-bank borrowings1 ..................................... 18,644,064 26,564,628
III. Others (including interest on borrowings of erstwhile ICICI Limited) .................... 53,554,438 55,800,920
TOTAL INTEREST EXPENDED ...................................................................................... 207,291,861 264,872,527
1. Includes interest paid on inter-bank deposits.
SCHEDULE 16 — OPERATING EXPENSES
I. Payments to and provisions for employees ........................................................... 36,784,297 39,043,015
II. Rent, taxes and lighting .......................................................................................... 10,168,540 10,766,322
III. Printing and stationery ............................................................................................ 1,609,042 2,103,465
IV. Advertisement and publicity ................................................................................... 4,421,935 3,311,278
V. Depreciation ............................................................................................................ 6,212,233 5,965,761
VI. Depreciation (including lease equalisation) on leased assets ................................ 1,416,505 2,101,070
VII. Directors’ fees, allowances and expenses ............................................................. 27,868 22,897
VIII. Auditors’ fees and expenses .................................................................................. 148,042 136,872
IX. Law charges ............................................................................................................ 1,396,354 1,425,366
X. Postages, telegrams, telephones, etc. ................................................................... 3,575,692 4,567,895
XI. Repairs and maintenance ....................................................................................... 6,685,665 6,831,997
XII. Insurance ................................................................................................................. 1,885,845 2,115,359
XIII. Direct marketing agency expenses ........................................................................ 2,413,170 6,121,823
XIV. Claims and benefits paid pertaining to insurance business ................................... 20,643,054 18,094,559
XV. Other expenses pertaining to insurance business ................................................. 158,516,684 147,404,509
XVI. Other expenditure ................................................................................................... 21,427,455 31,845,686
TOTAL OPERATING EXPENSES ................................................................................... 277,332,381 281,857,874
SCHEDULE 17 — PROVISIONS AND CONTINGENCIES
I. Income tax
– Current period tax ........................................................................................... 19,701,898 21,388,517
– Deferred tax adjustment ................................................................................. (2,349,787) (6,188,453)
– Fringe benefit tax ............................................................................................ (30,289) 659,192
II. Wealth tax 30,470 30,048
TOTAL INCOME TAX 17,352,292 15,889,304
III. Provision for investments (net) ............................................................................... 328,158 6,305,112
IV. Provision for advances (net)1................................................................................... 44,745,424 39,115,672
V. Others...................................................................................................................... 513,461 (303,901)
TOTAL PROVISIONS AND CONTINGENCIES.............................................................. 62,939,335 61,006,187
1. Includes provision on standard assets, non-performing advances, non-performing leased assets and others.