banker's final accounts b.v.raghunandan
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Banker’s Final Accounts
B.V.Raghunandan, SVS College,
Bantwal-574211-Karnataka
Banker’s Balance Sheet: Liabilities Side
Capital and LiabilitiesSchedule No
Amount
1.Capital2.Reserves and Surplus3.Deposits4.Borrowings5.Other Liabilities and Provisions
12345
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Assets Side of Banker’s Balance Sheet
AssetsSchedule No.
Amount
1.Cash in Hand and Balance with RBI
2.Balances with other banks, Money at Call and at Shirt Notice
3. Investments4.Advances5.Fixed Assets6.Other assets Total
6
7
89
1011
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Profit and Loss AccountParticulars Schedule No Amount
I. Income: Interest Earned Other Income
TotalII. Expenditure: Interest Expended Operating Expenses TotalIII Profit/Loss: Net Profit for the Year Profit/Loss b/f from last year TotalIV Appropriations: Transfer to Statutory Reserve Other Transfers Balance C/fd to Balance Sheet Total
1314
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1516
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Schedule 1-Capital
Particulars Amount
Authorised Capital--------Shares of Rs…….eachIssued & Subscribed Capital……….Shares of Rs---------each(-) Calls Unpaid/Calls in Arrears
Total-----------
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Schedule 2: Reserves & Surplus
Particulars AmountI. Statutory ReserveII. Capital reserveIII.Securities Premium AccountIV.Revenue and other ReservesV.Credit balance in Profit & Loss
A/c Total
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Schedule 3: Deposits
Particulars AmountI. Demand Deposits: a. From Banks b. From Others II. Savings Bank DepositsIII. Term Deposits
Total------------
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Schedule 4: Borrowings
Particulars AmountI. Borrowings in India: a. RBI b. Other Banks c.Other InstitutionsII. Borrowings Outside India
Total
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Schedule 5: Other Liabilities & Provisions
Particulars Amount Rs.
I. Bills PayableII.Inter-Office AdjustmentsIII.Interest AccruedIV.Others (including
Provisions) Total
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Schedule 6: Cash in Hand and with RBI
Particulars AmountI. Cash in Hand (including
foreign exchange)II.Balances with Reserve
Bank of India (a) In current account (b) in other account Total
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Schedule 7: Balances with Banks and Money at Call & at Short Notice
Particulars Amount Rs.
I. In India: (a) Balances with Banks: 1. Current Accounts 2. Deposit accounts (b) Money at Call & at Short Notice 1. With Banks 2. With other InstitutionsII. Outside India 1. Current Accounts 2. Deposit Accounts 3. Money at Call & at Short Notice Total
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Schedule 8:Investments
Particulars Amount Rs.I. Investments in India 1. Government Securities 2. Other Approved Securities 3. Shares 4. Debentures and Bonds 5. Investment in Subsidiaries 6. OthersII. Investments Outside India: 1. Government Securities 2. Investment in Subsidiaries/Joint Ventures 3.Other Investments Total
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Schedule 9: Advances
Particulars Amount Rs
1. Bills Purchased and Discounted2. Cash Credits, Overdrafts and Loans
Repayable on Demand3. Term Loans: Secured by Tangible Assets Secured by Bank/Government Guarantees Unsecured4. Advances in India: a. Priority Sector b. Public Sector c. Banks d. Others5. .Advances Outside India Total
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Schedule 10: Fixed Assets
ParticularsAmount Rs
I. PremisesII. Building under ConstructionIII.Other Fixed Assets Total
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Schedule 11: Other Assets
Particulars Amount Rs
I. Inter-Office AdjustmentsII. Interest AccruedIII.Tax Paid in Advance/TDSIV.Stationery and StampsV.Non-Banking Assets acquired in
satisfaction of claimsVI.Others Total
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Schedule 12: Contingent Liabilities
Particulars Amount Rs.
I. Claims against the Bank not Acknowledged as Debt
II. Liability for Partly Paid InvestmentsIII. Outstanding Forward Exchange
ContractsIV. Guarantees Given on behalf of
CustomersV. Acceptances, Endorsement and other
ObligationsVI.Other Contingent Liabilities Total
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Schedule 13: Interest Earned
ParticularsAmount Rs.
I. Interest/Discount on Advances and Bills
II. Income on InvestmentIII.Interest on Balances with
other Banks including with RBIIV.Others Total
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Schedule 14: Other Income
Particulars Amount Rs
I. Commission, Exchange and BrokerageII. Rent ReceivedIII. Profit on Sale of Investment (-) LossIV. Profit on Revaluation of Investments (-)
LossV. Profit on Sale of Land, Building and
other AssetsVI.Profit on Exchange Transactions (-) LossVII.Income Earned by way of DividendVIII.Miscellaneous Income
Total------------------
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Schedule 15: Interest Expended
Particulars Amount Rs.I. Interest on DepositsII. Interest Paid to RBI and other
BanksIII.Others Total
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Schedule 16: Operating ExpensesParticulars Amount Rs.
I. Staff and Employees 'RemunerationII. Rent, Taxes and LightingIII. Printing and StationeryIV. Advertisement and PublicityV. Depreciation on Fixed AssetsVI.Directors’ Fees, Allowances and ExpensesVII.Auditors Fees and ExpensesVIII.Law ChargesIX.Postage, Telegrams, Telephone etcX. Repairs and MaintenanceXI.InsuranceXII.Other Expenditure Total --------------------
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