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Module: 5(Contd) - Capital Adequacy Structure of Punjab National Bank

Punjab National Bank - Tier I & II Capital for years
2000-01 & 2001-02

(Figures in Lakhs)

Particulars 2000-01 2001-02
Capital 21224 26530
Statutory Reserves 56272 70332
Capital Reserves 36033 5563
Share Premium -- 11143
Revenue & other Reserves (50%) 76695 112250
Balance of Profit xx xx
Total 190224 225818
Less Deductions
Investment in Subsidiaries and/or joint ventures 21470 21509
Total of Tier I capital 168754
(6.84%)		 204309
(6.34%)
Tier II Capital 83883
(3.40%)		 140502
(4.36%)
Total (I + II) 252637
(10.24%)		 344811
(10.70%)

Note: Revenue reserves are taken at 50%. Tier II capital is calculated from Tier I Capital based respective ratios given.




Punjab National Bank - Classification of assets for years
2000-01 & 2001-02

(Figures in Lakhs)

Particulars 2000-01 2001-02
Cash in hand 44520 73102
Balances with RBI 492042 437041
Balances with Banks in India 28131 59926
Money at call & short notice 186 18183
Balances with Banks outside India 42041 51581
Investments (less Investment subsidiaries) 2510542 2799208
Advances 2802905 3436942
Premises (including under construction) 51395 51969
Other Fixed Assets 20997 23877
Other Assets 355451 318128
Total Assets less excluded items 6348210 7269957


In the absence of information needed the assets could not be worked out as per risk-weightage and RWA calculated to check the CAR of the bank as furnished. But as Capital (Tier I + II) and CAR are given RWA can be calculated on the formulae-

RWA = Capital (Tier I + II) x CAR

On this basis the RWA for the two years should be as under:

2000-01
252637 x 10.24= Rs.2587002 Lakhs

2001-02
344811 x 10.70 = Rs.3689477 Lakhs


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