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Case Study 3

Case Study 3

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Published by Abhishek Prabhakar

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Published by: Abhishek Prabhakar on Jan 08, 2012
Copyright:Attribution Non-commercial

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01/08/2012

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CASE STUDY -3
Balance sheet of xyz bank as on 31st March 2010( amount in Rs. 000)
 
Liabilities (Resources)Assets (uses)
Share capital30003%Cash29003%Reserves 60006%Money at call andshort notice40004%Current Deposits2800028%Investments 3000030%Savings deposits 3000030%Loans andadvances2000020%Time deposits 3000030%Bills discounted 2000020%Borrowings 30003%Term Loans 2000020%Fixed assets 31003%100000100 100000100
Profit & Loss of XYZ bank for year ended March, 2010
Expenses Income
 
Interest paid on deposits 3600Interest on investments 1900Interest paid on borrowings 120Interest on loan and advances 5000Operating expenses 2000Non interest Income 50
Total 5720
 Operating Profit 1230Tax paid 400
Total6950
 Net profit 8301
 
Calculation of interest income
Assets Amount AverageYieldIncome
Cash balance 2900NAMoney at call and short notice 4000 200Investments 300001500Loans and advances 200001800Bills discounted 200001600Term Loans 200001800Fixed assets 3100NA
Total Interest Income 6900
Calculation of interest cost
Liabilities Amount AverageCostExpenses
Share capital3000NAReserves 6000NACurrent Deposits280000%Savings deposits 300001050Time deposits 300002550Borrowings 3000120
Total interest paid 3720
Note: Please make provisions for the followings:-(a)Bank has to provide Rs.30,000/- as provision for loan losses
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