Bank Schedules Balance Sheet

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  • you are missing borrowings schedule. to explain sir. but it is very helpful to me
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  • Insurance schedules also along with contents of schedules will be great
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Bank Schedules Balance Sheet

  1. 1. Bank schedules-balance sheet <ul><li>Capital and liabilities: schedule </li></ul><ul><li>capital 1 </li></ul><ul><li>Reserves and surplus 2 </li></ul><ul><li>Deposits 3 </li></ul><ul><li>Borrowings 4 </li></ul><ul><li>Other liabilities and provisions 5 </li></ul>
  2. 2. Balance sheet-continue <ul><li>ASSETS: SCHEDULE </li></ul><ul><li>CASH AND BANK BALANCES 6 </li></ul><ul><li>BALANCE WITH BANKS AND </li></ul><ul><li>MONEY AT CALL AND SHORT NOTICE 7 </li></ul><ul><li>INVESTMENTS 8 </li></ul><ul><li>ADVANCES 9 </li></ul><ul><li>FIXED DEPOSITS 10 </li></ul><ul><li>OTHER ASSETS 11 </li></ul><ul><li>CONTINGENT LIABILITIES & </li></ul><ul><li>BILLS FOR COLLECTION 12 </li></ul>
  3. 3. SHEDULE-01 CAPITAL <ul><li>SUBSCRIPTION AND CALLED UP </li></ul><ul><li>LESS: CALLS UNPAID </li></ul><ul><li>ADD: FORFEITED SHARES </li></ul>
  4. 4. SCHEDULE-02 RESERVES AND SURPLUS <ul><li>STATUTORY RESERVE: </li></ul><ul><li>OPENING RESERVE+ADDITIONS DURING THE YEAR </li></ul><ul><li>CAPITAL RESERVE </li></ul><ul><li>SECURITY PREMIUM </li></ul><ul><li>REVENUE AND OTHER RESERVES </li></ul><ul><li>BALANCE IN PROFIT AND LOSS ACCOUNT </li></ul>
  5. 5. SCHEDULE-03 DEPOSITS <ul><li>DEMAND DEPOSITS </li></ul><ul><li>SAVINGS DEPOSITS </li></ul><ul><li>TERM DEPOSITS </li></ul>
  6. 6. SCHEDULE-05 OTHER LIABILITIES <ul><li>BILLS PAYABLE </li></ul><ul><li>INTER OFFICE ADJUSTMENTS </li></ul><ul><li>INTEREST ACCRUED </li></ul><ul><li>REBATE ON BILLS DISCOUNTED </li></ul><ul><li>PROVISION FOR DD </li></ul><ul><li>UNCLAIMED DIVIDEND </li></ul><ul><li>UNEXPIRED DISCOUNT </li></ul>
  7. 7. SCHEDULE-06 CASH AND BALANCE WITH RESERVE BANK <ul><li>CASH IN HAND </li></ul><ul><li>FOEIGN CURRENCY NOTES </li></ul><ul><li>BALANCE WITH RBI </li></ul>
  8. 8. SCHEDULE-07 MONEY AT CALL AT SHORT NOTICES <ul><li>MONEY AT CALL: BANK HAS LENT MONEY TO ANOTHER BANK WHICH WILL BE PAID ONCE CALLED OVER THE PHONE WITHIN 24 HOURS </li></ul><ul><li>MONEY AT SHORT NOTIVES:MONEY LENT TO OTHER BANKS BUT IT WILL BE PAID AFTER GIVING SHORT NOTICES TO OTHER BANKS WHICH WILL BE PAID WITH IN 3 DAYS </li></ul>
  9. 9. SCHEDULE-08 INVESTMENTS <ul><li>INVESTMENT IN GOVERNMENT SECURITIES </li></ul><ul><li>OTHER SECURITIES </li></ul><ul><li>INVESTMENTS IN SHARES OF OTHER COMPANIES </li></ul><ul><li>INVESTMENT OUT SIDE INDIA </li></ul>
  10. 10. SCHEDULE-09 ADVANCES <ul><li>BILLS PURCHASED AND DISCOUNTED </li></ul><ul><li>CASH CREDIT, OVERDRAFTS </li></ul><ul><li>LOANS REPAYABLE ON DEMAND </li></ul><ul><li>TERM LOANS </li></ul>
  11. 11. SCHEDULE-10 FIXED ASSETS <ul><li>ORIGINAL COST OF ASSET </li></ul><ul><li>ADD: ADDITIONS </li></ul><ul><li>LESS: DEPRECIATION UP TO DATE </li></ul><ul><li>(ACCUMULATED) </li></ul>
  12. 12. SCHEDULE-11 OTHER ASSETS <ul><li>NON BANKING ASSETS </li></ul><ul><li>BRANCH ADJUSTMENTS </li></ul><ul><li>SILVER </li></ul><ul><li>ADVANCE PAYMENT OF TAX </li></ul><ul><li>INTEREST ACCRUED ON INVESTMENTS </li></ul><ul><li>STAMPS AND STATIONARY </li></ul>
  13. 13. SCHEDULE-12 CONTINGENT LIABILITIES <ul><li>CLAIMS AGAINST THE BANK NOT ACKNOWLEDGED AS DEBTS </li></ul><ul><li>LIABILITIES ON ACCOUNT OF OUTSTANDING FORWARD CONTRACT </li></ul><ul><li>LIABILITY ON BILS DISCOUNTED </li></ul><ul><li>ACCEPTANCES, ENDORSEMENT AND OTHER OBLIGATIONS </li></ul>
  14. 14. Schedule-13 Profit and loss account-interest earned <ul><li>(i)Interest and discount </li></ul><ul><li>Less: rebate on bills discounted </li></ul><ul><li> interest accrued on investments </li></ul><ul><li>(ii) interest accrued on investments </li></ul>

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