ICICI Bank 2010 Annual Report Download - page 91

F11
schedules
forming part of the Profit and Loss Account (Rs. in ‘000s)
Year ended
31.03.2010 Year ended 31.03.2009
SCHEDULE 13 – INTEREST EARNED
I. Interest/discount on advances/bills ................................................................. 173,727,325 223,238,295
II. Income on investments1 .................................................................................. 64,663,488 74,030,595
III. Interest on balances with Reserve Bank of India and other inter-bank funds 6,249,906 5,187,095
IV. Others2, 3 ........................................................................................................... 12,428,612 8,469,499
TOTAL INTEREST EARNED .................................................................................... 257,069,331 310,925,484
1. Includes amortisation of premium on Government securities Rs. 8,121.5 million (March 31, 2009: Rs. 7,253.4 million).
2. Includes interest on income tax refunds Rs. 1,208.3 million (March 31, 2009: Rs. 3,331.7 million).
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 ........................................................... 48,308,087 56,258,933
II. Profit/(loss) on sale of investments (net) ......................................................... 5,464,210 18,004,745
III. Profit/(loss) on revaluation of investments (net) .............................................. 1,852,196 (5,140,339)
IV. Profit/(loss) on sale of land, buildings and other assets (net)1 ........................ 1,345,173 175,113
V. Profit/(loss) on exchange transactions (net) .................................................... 11,060,537 84,146
VI. Income earned by way of dividends, etc. from subsidiary companies and/or
joint ventures abroad/in India ........................................................................... 3,692,716 3,348,233
VII. Miscellaneous income (including lease income) ............................................. 3,053,581 3,306,440
TOTAL OTHER INCOME ......................................................................................... 74,776,500 76,037,271
1. Includes profit/(loss) on sale of assets given on lease.
SCHEDULE 15 – INTEREST EXPENDED
I. Interest on deposits ......................................................................................... 115,134,716 157,851,583
II. Interest on Reserve Bank of India/inter-bank borrowings1 .............................. 11,951,326 20,045,886
III. Others (including interest on borrowings of erstwhile ICICI Limited) ............. 48,839,662 49,361,874
TOTAL INTEREST EXPENDED ............................................................................... 175,925,704 227,259,343
1. Includes interest paid on inter-bank deposits.
SCHEDULE 16 – OPERATING EXPENSES
I. Payments to and provisions for employees .................................................... 19,257,929 19,717,045
II. Rent, taxes and lighting ................................................................................... 5,924,256 6,257,960
III. Printing and stationery ..................................................................................... 915,957 1,200,296
IV. Advertisement and publicity ............................................................................ 1,108,010 1,402,840
V. Depreciation on Bank’s property ..................................................................... 4,778,512 4,684,901
VI. Depreciation (including lease equalisation) on leased assets ......................... 1,416,505 2,101,070
VII. Directors’ fees, allowances and expenses ...................................................... 4,193 3,640
VIII. Auditors’ fees and expenses ........................................................................... 22,500 22,738
IX. Law charges ..................................................................................................... 987,406 924,040
X. Postages, telegrams, telephones, etc. ............................................................ 2,007,720 2,538,545
XI. Repairs and maintenance ................................................................................ 4,724,642 4,896,929
XII. Insurance .......................................................................................................... 2,005,645 2,282,926
XIII. Direct marketing agency expenses ................................................................. 1,254,784 5,289,235
XIV. Other expenditure ............................................................................................ 14,190,268 19,128,972
TOTAL OPERATING EXPENSES ............................................................................ 58,598,327 70,451,137
SCHEDULE 17 – PROVISIONS AND CONTINGENCIES
I. Income tax ........................................................................................................
— Current period tax .................................................................................... 15,977,789 17,933,052
— Deferred tax adjustment .......................................................................... (2,804,400) (4,716,700)
— Fringe benefit tax ..................................................................................... —342,010
II. Wealth tax ........................................................................................................ 30,000 30,000
TOTAL TAXES ......................................................................................................... 13,203,389 13,588,362
III. Provision for investments (net) ........................................................................ (26,540) 977,328
IV. Provision for advances (net)1............................................................................ 43,621,629 37,500,259
V. Others............................................................................................................... 273,493 (395,006)
TOTAL PROVISIONS AND CONTINGENCIES....................................................... 57,071,971 51,670,943
1. Includes provisions on standard assets, non-performing advances, non-performing leased assets and others.