www.icmai.in:@0.798205:0.974748:0.923794:0.974748:0.923794:0.957721:0.798205:0.957721:0.015775:0.015775:0.015775:0.005780:0.006278:0.009118:0.016807:0.011271:0.006278:0.005780:0.006278:0.010674
May 2017:@0.406839:0.977956:0.492193:0.977956:0.492193:0.962673:0.406839:0.962673:0.015974:0.009606:0.010131:0.004740:0.011452:0.011452:0.011452:0.010547
48:@0.079500:0.980264:0.102295:0.980264:0.102295:0.958570:0.079500:0.958570:0.011940:0.010855
The Management Accountant:@0.122650:0.977954:0.372489:0.977954:0.372489:0.962671:0.122650:0.962671:0.011452:0.011452:0.009009:0.004740:0.015974:0.010131:0.011452:0.009968:0.009787:0.009009:0.015974:0.009009:0.011452:0.006748:0.004740:0.013713:0.009009:0.009009:0.010131:0.011452:0.011452:0.006748:0.010131:0.011452:0.005843
l:@0.382870:0.976735:0.397343:0.976735:0.397343:0.966042:0.382870:0.966042:0.014473
(ii) Cost per Rs 100/- outstanding balance in case of :@0.087180:0.131127:0.493145:0.131127:0.493145:0.115844:0.087180:0.115844:0.005970:0.004830:0.004830:0.005970:0.004776:0.010674:0.009353:0.007092:0.005970:0.004776:0.009353:0.008231:0.007092:0.004776:0.011814:0.007092:0.004776:0.010674:0.010674:0.010674:0.007092:0.005970:0.004776:0.009353:0.010674:0.005970:0.007092:0.005970:0.009353:0.010674:0.009353:0.004830:0.010674:0.009353:0.004776:0.009353:0.009353:0.004830:0.009353:0.010674:0.008231:0.008231:0.004776:0.004830:0.010674:0.004776:0.008231:0.009353:0.007092:0.008231:0.004776:0.009353:0.004704:0.003835
deposits and advances (loans) and cost per Rs100/- :@0.107695:0.147102:0.492928:0.147102:0.492928:0.131819:0.107695:0.131819:0.009226:0.008105:0.009226:0.009226:0.006965:0.004704:0.005843:0.006965:0.003329:0.009226:0.010547:0.009226:0.003329:0.009226:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965:0.003329:0.005843:0.004704:0.009226:0.009226:0.010547:0.006965:0.005843:0.003329:0.009226:0.010547:0.009226:0.003329:0.008105:0.009226:0.006965:0.005843:0.003329:0.009226:0.008105:0.006965:0.003329:0.011687:0.006965:0.010547:0.010547:0.010547:0.006965:0.005843:0.003835
of quantum of turnover in case of transactions, :@0.107695:0.163076:0.493019:0.163076:0.493019:0.147794:0.107695:0.147794:0.009462:0.007255:0.005644:0.009462:0.010782:0.009462:0.010782:0.006079:0.010782:0.015305:0.005644:0.009462:0.007255:0.005644:0.006079:0.010782:0.007653:0.010782:0.008991:0.008756:0.008340:0.007200:0.005644:0.004939:0.010782:0.005644:0.008340:0.009462:0.007200:0.008340:0.005644:0.009462:0.007255:0.005644:0.006079:0.007037:0.009462:0.010782:0.007200:0.009462:0.008340:0.006079:0.004939:0.009462:0.010782:0.007200:0.004704:0.003835
i.e., Demand Draft/ Pay order/ NEFT/ RTGS issued/ :@0.107695:0.179051:0.492946:0.179051:0.492946:0.163769:0.107695:0.163769:0.004704:0.004704:0.007761:0.004704:0.004704:0.003817:0.011687:0.008105:0.015070:0.009226:0.010547:0.009226:0.003817:0.011687:0.006802:0.009226:0.004704:0.005843:0.006965:0.003817:0.009842:0.008702:0.009226:0.003817:0.009226:0.006965:0.009226:0.008105:0.006965:0.006965:0.003817:0.012809:0.009226:0.009226:0.010547:0.006965:0.003817:0.010439:0.010203:0.011687:0.009226:0.003817:0.004704:0.006965:0.006965:0.010547:0.008105:0.009226:0.006965:0.003835
paid, Government Receipts/ Payments, cheques/ :@0.107695:0.195026:0.493001:0.195026:0.493001:0.179743:0.107695:0.179743:0.009480:0.009480:0.004957:0.009480:0.004957:0.005771:0.011940:0.009009:0.008774:0.008358:0.007671:0.010800:0.015323:0.008358:0.010800:0.006097:0.005771:0.011235:0.008358:0.008358:0.008358:0.004957:0.009480:0.006097:0.007218:0.007218:0.005771:0.010095:0.008955:0.009480:0.015323:0.008358:0.010800:0.006097:0.007218:0.004957:0.005771:0.008358:0.010800:0.008358:0.009480:0.010800:0.008358:0.007218:0.006965:0.003835
bills inward/ outward collection, etc.:@0.107695:0.211001:0.382699:0.211001:0.382699:0.195718:0.107695:0.195718:0.009226:0.004704:0.004704:0.004704:0.006965:0.003835:0.004704:0.010547:0.013243:0.009226:0.006965:0.009226:0.006965:0.003835:0.009226:0.010547:0.005843:0.013243:0.009226:0.006965:0.009226:0.003835:0.008105:0.009226:0.004704:0.004704:0.008105:0.008105:0.005843:0.004704:0.009226:0.010547:0.004704:0.003835:0.008105:0.005843:0.007580:0.004704
(iii) Cost per account per annum.:@0.087180:0.226976:0.335408:0.226976:0.335408:0.211693:0.087180:0.211693:0.005843:0.004704:0.004704:0.004704:0.005843:0.003835:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.009226:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.009226:0.010547:0.010384:0.010547:0.015070:0.004704
Activity wise Cost (A Case of a Bank) (As of March :@0.076923:0.260336:0.494012:0.260336:0.494012:0.242248:0.076923:0.242248:0.011169:0.008472:0.006705:0.004806:0.008966:0.004806:0.006705:0.009137:0.005775:0.013297:0.004806:0.007921:0.009004:0.005775:0.010942:0.009973:0.007921:0.006705:0.005775:0.006819:0.011549:0.005775:0.010942:0.009745:0.007921:0.009004:0.005775:0.009973:0.006573:0.005775:0.009745:0.005775:0.010809:0.009745:0.010220:0.009327:0.006819:0.005775:0.006819:0.011549:0.007921:0.005775:0.009973:0.006573:0.005775:0.016260:0.009745:0.006459:0.008472:0.010201:0.004844
1996)::@0.076923:0.276313:0.127167:0.276313:0.127167:0.258225:0.076923:0.258225:0.007560:0.010068:0.010068:0.010068:0.006819:0.005661
a) Deposits:@0.092308:0.306850:0.185821:0.306850:0.185821:0.291421:0.092308:0.291421:0.009986:0.006404:0.004034:0.013568:0.009769:0.010547:0.010366:0.008105:0.005663:0.006965:0.008105
The cost per voucher for savings bank was Rs9/- :@0.107703:0.322825:0.492756:0.322825:0.492756:0.307542:0.107703:0.307542:0.010728:0.010728:0.008286:0.005246:0.008286:0.009407:0.007146:0.006024:0.005246:0.009407:0.008286:0.007146:0.005246:0.008702:0.009407:0.010728:0.008286:0.010728:0.008286:0.007146:0.005246:0.004885:0.009407:0.007146:0.005246:0.007146:0.008702:0.009407:0.004885:0.010728:0.009407:0.007146:0.005246:0.009407:0.009407:0.010728:0.009407:0.005246:0.013424:0.009407:0.007146:0.005246:0.011868:0.007146:0.010728:0.007146:0.005843:0.003835
and current account was Rs12/- and term deposita   :@0.107703:0.338800:0.514697:0.338800:0.514697:0.323517:0.107703:0.323517:0.009226:0.010547:0.009226:0.003347:0.008105:0.010547:0.007598:0.006965:0.008105:0.010547:0.005843:0.003347:0.009226:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.003347:0.013243:0.009226:0.006965:0.003347:0.011687:0.006965:0.010547:0.010547:0.006965:0.005843:0.003347:0.009226:0.010547:0.009226:0.003347:0.005843:0.008105:0.007128:0.015070:0.003347:0.009226:0.008105:0.009226:0.009226:0.006965:0.004704:0.005843:0.009226:0.003835:0.017925:0.003835
was Rs42/-. The cost per voucher for total deposits :@0.107703:0.354775:0.493027:0.354775:0.493027:0.339492:0.107703:0.339492:0.013243:0.009226:0.006965:0.004233:0.011687:0.006965:0.010547:0.010547:0.006965:0.005843:0.004704:0.003510:0.010547:0.010547:0.008105:0.004233:0.008105:0.009226:0.006965:0.005843:0.004233:0.009226:0.008105:0.006965:0.004233:0.008521:0.009226:0.010547:0.008105:0.010547:0.008105:0.006965:0.004233:0.004704:0.009226:0.006965:0.004233:0.005843:0.009226:0.005843:0.009226:0.004704:0.004233:0.009226:0.008105:0.009226:0.009226:0.006965:0.004704:0.005843:0.006965:0.003835
were Rs13/-:@0.107703:0.370749:0.200330:0.370749:0.200330:0.355467:0.107703:0.355467:0.013062:0.008105:0.006965:0.008105:0.003835:0.011687:0.006965:0.010547:0.010547:0.006965:0.005843
The cost per account per annum for current account :@0.107703:0.386724:0.493099:0.386724:0.493099:0.371442:0.107703:0.371442:0.010384:0.010384:0.007942:0.002840:0.007942:0.009064:0.006802:0.005681:0.002840:0.009064:0.007942:0.006802:0.002840:0.009064:0.007942:0.007942:0.009064:0.010384:0.010384:0.005681:0.002840:0.009064:0.007942:0.006802:0.002840:0.009064:0.010384:0.010222:0.010384:0.014907:0.002840:0.004541:0.009064:0.006802:0.002840:0.007942:0.010384:0.007435:0.006802:0.007942:0.010384:0.005681:0.002840:0.009064:0.007942:0.007942:0.009064:0.010384:0.010384:0.005843:0.003835
perannum for current was Rs498/-; savings bank :@0.107703:0.402699:0.492919:0.402699:0.492919:0.387416:0.107703:0.387416:0.009299:0.008195:0.006893:0.009299:0.010620:0.010475:0.010620:0.015160:0.004686:0.004776:0.009317:0.007037:0.004686:0.008177:0.010620:0.007689:0.007037:0.008195:0.010620:0.005934:0.004686:0.013315:0.009317:0.007037:0.004686:0.011777:0.007037:0.010638:0.010620:0.010620:0.007056:0.005916:0.004794:0.004686:0.007056:0.008593:0.009299:0.004794:0.010620:0.009317:0.007037:0.004686:0.009299:0.009299:0.010638:0.009226:0.003835
was Rs94/- and for Time Deposit was Rs163/-.:@0.107703:0.418674:0.457134:0.418674:0.457134:0.403391:0.107703:0.403391:0.013243:0.009226:0.006965:0.003835:0.011687:0.006965:0.010547:0.010547:0.006965:0.005843:0.003835:0.009226:0.010547:0.009226:0.003835:0.004704:0.009226:0.006965:0.003112:0.010547:0.004704:0.015070:0.008105:0.003835:0.011687:0.008105:0.009226:0.009226:0.006965:0.004704:0.005843:0.003835:0.013243:0.009226:0.006965:0.003835:0.011687:0.006965:0.010547:0.010547:0.010547:0.006965:0.005843:0.004704
b) Loans and Advances:@0.092326:0.450624:0.285395:0.450624:0.285395:0.435195:0.092326:0.435195:0.010547:0.006404:0.004034:0.010547:0.010366:0.009986:0.011687:0.008105:0.004034:0.009986:0.011687:0.010746:0.004034:0.012628:0.010583:0.009263:0.009986:0.011687:0.009226:0.009425:0.008105
The cost per account for total advances was Rs35/-, :@0.107703:0.466598:0.492828:0.466598:0.492828:0.451316:0.107703:0.451316:0.010493:0.010511:0.008051:0.003220:0.008051:0.009190:0.006911:0.005789:0.003220:0.009172:0.008051:0.006911:0.003220:0.009172:0.008051:0.008069:0.009172:0.010493:0.010493:0.005807:0.003220:0.004649:0.009172:0.006929:0.003220:0.005789:0.009172:0.005807:0.009172:0.004649:0.003220:0.009172:0.008828:0.008828:0.009190:0.010493:0.008051:0.008069:0.006911:0.003220:0.013188:0.009190:0.006911:0.003220:0.011633:0.006929:0.010493:0.010493:0.006911:0.005807:0.004704:0.003835
the cost for agricultural lending was Rs80/-.:@0.107703:0.482573:0.440780:0.482573:0.440780:0.467291:0.107703:0.467291:0.005843:0.010547:0.008105:0.003835:0.008105:0.009226:0.006965:0.005843:0.003835:0.004704:0.009226:0.006965:0.003835:0.009064:0.009570:0.006965:0.004704:0.008105:0.010547:0.004704:0.005843:0.010547:0.006802:0.009226:0.004704:0.003835:0.004704:0.008105:0.010547:0.009226:0.004704:0.010547:0.009226:0.003835:0.013243:0.009226:0.006965:0.003835:0.011687:0.006965:0.010547:0.010547:0.006965:0.005843:0.004704
The cost per account per annum for total advances   :@0.107703:0.498548:0.514693:0.498548:0.514693:0.483266:0.107703:0.483266:0.010547:0.010547:0.008105:0.003799:0.008105:0.009226:0.006965:0.005843:0.003799:0.009226:0.008105:0.006965:0.003817:0.009226:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.003799:0.009226:0.008105:0.006965:0.003799:0.009226:0.010547:0.010384:0.010547:0.015070:0.003799:0.004704:0.009226:0.006965:0.003799:0.005843:0.009226:0.005843:0.009226:0.004704:0.003799:0.009226:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965:0.003835:0.017921:0.003835
was RS783/-. The Industry and Trade Sector cost   :@0.107703:0.514523:0.514693:0.514523:0.514693:0.499240:0.107703:0.499240:0.013369:0.009353:0.007092:0.004776:0.011814:0.009353:0.010674:0.010674:0.010674:0.007092:0.005970:0.004830:0.004052:0.010674:0.010674:0.008231:0.004776:0.005970:0.010674:0.009353:0.010674:0.007092:0.005970:0.007454:0.009353:0.004776:0.009353:0.010674:0.009353:0.004052:0.010674:0.006929:0.009353:0.009353:0.008231:0.004776:0.009353:0.008231:0.008231:0.005970:0.009353:0.007092:0.004776:0.008231:0.009353:0.007092:0.005843:0.003835:0.017650:0.003835
was Rs1040/-, other advances Rs738/-, other   :@0.107703:0.530498:0.514693:0.530498:0.514693:0.515215:0.107703:0.515215:0.013713:0.009697:0.007435:0.007435:0.012157:0.007435:0.011018:0.011018:0.011018:0.011018:0.007435:0.006314:0.005174:0.007435:0.009697:0.006314:0.011018:0.008575:0.007435:0.007435:0.009697:0.009353:0.009353:0.009697:0.011018:0.008575:0.008575:0.007435:0.007435:0.012157:0.007435:0.011018:0.011018:0.011018:0.007435:0.006314:0.005174:0.007435:0.009697:0.006314:0.011018:0.008575:0.006965:0.003835:0.017831:0.003835
priority sector lending was Rs659/-, Agricultural :@0.107703:0.546473:0.493172:0.546473:0.493172:0.531190:0.107703:0.531190:0.009371:0.007110:0.004848:0.009371:0.007110:0.004848:0.005988:0.009371:0.004903:0.007110:0.008250:0.008250:0.005988:0.009371:0.007110:0.004903:0.004848:0.008250:0.010692:0.009371:0.004848:0.010692:0.009371:0.004903:0.013387:0.009371:0.007110:0.004903:0.011832:0.007110:0.010692:0.010692:0.010692:0.007110:0.005988:0.004848:0.004903:0.012953:0.009715:0.007110:0.004848:0.008250:0.010692:0.004848:0.005988:0.010692:0.006947:0.009371:0.004704:0.003835
was Rs277/- and Small Sector Industries Rs151/-.:@0.107703:0.562448:0.486171:0.562448:0.486171:0.547165:0.107703:0.547165:0.013243:0.009226:0.006965:0.003835:0.011687:0.006965:0.010547:0.010547:0.010547:0.006965:0.005843:0.003835:0.009226:0.010547:0.009226:0.003835:0.009226:0.015070:0.009226:0.004704:0.004704:0.003835:0.009226:0.008105:0.008105:0.005843:0.009226:0.006965:0.003835:0.005843:0.010547:0.009226:0.010547:0.006965:0.005843:0.006965:0.004704:0.008105:0.006965:0.003835:0.011687:0.006965:0.010547:0.010547:0.010547:0.006965:0.005843:0.004704
c) Other Activities:@0.092326:0.594397:0.245522:0.594397:0.245522:0.578968:0.092326:0.578968:0.009226:0.006404:0.004034:0.013568:0.006965:0.011687:0.009425:0.008286:0.004034:0.012628:0.009226:0.006965:0.005500:0.009425:0.005663:0.006965:0.005663:0.009425:0.008105
1. Remittances::@0.092326:0.626347:0.223179:0.626347:0.223179:0.610918:0.092326:0.610918:0.011307:0.004903:0.004034:0.012049:0.009425:0.016210:0.005663:0.006965:0.006965:0.009986:0.011687:0.009226:0.009425:0.008105:0.004903
The cost of  a Demand Draft issue was Rs25/-, :@0.107721:0.642322:0.493045:0.642322:0.493045:0.627039:0.107721:0.627039:0.010963:0.010963:0.008521:0.007001:0.008521:0.009643:0.007381:0.006260:0.007001:0.009643:0.004704:0.002732:0.007001:0.009643:0.007001:0.012103:0.008521:0.015486:0.009643:0.010963:0.009643:0.007001:0.012103:0.007218:0.009643:0.005120:0.006260:0.007001:0.005120:0.007381:0.007381:0.010963:0.008521:0.007001:0.013659:0.009643:0.007381:0.007001:0.012103:0.007381:0.010963:0.010963:0.007381:0.006260:0.004704:0.003835
Paying a Demand draft was Rs41/-, issuance of  (Say):@0.107721:0.658297:0.549700:0.658297:0.549700:0.643014:0.107721:0.643014:0.010149:0.009009:0.009534:0.005011:0.010855:0.009534:0.006169:0.009534:0.006169:0.011994:0.008412:0.015377:0.009534:0.010855:0.009534:0.006169:0.009534:0.007110:0.009534:0.005011:0.006151:0.006169:0.013550:0.009534:0.007273:0.006169:0.011994:0.007273:0.010855:0.010855:0.007273:0.006151:0.005011:0.006169:0.005011:0.007273:0.007273:0.010855:0.009534:0.010855:0.008412:0.008412:0.006169:0.009534:0.004704:0.003835:0.017813:0.005843:0.009226:0.008702:0.009226:0.005843
a Telegraphic Transfer was Rs83/-, Paying a TT :@0.107721:0.674271:0.493190:0.674271:0.493190:0.658989:0.107721:0.658989:0.009516:0.005283:0.009588:0.008394:0.004993:0.008394:0.009860:0.007092:0.009353:0.009516:0.010837:0.004993:0.008394:0.005283:0.010837:0.007092:0.009516:0.010837:0.007255:0.005174:0.008394:0.007255:0.006006:0.013532:0.009516:0.007255:0.006006:0.011976:0.007255:0.010837:0.010837:0.007255:0.006133:0.004993:0.006006:0.010131:0.008991:0.009516:0.004993:0.010837:0.009516:0.006006:0.009516:0.005283:0.010837:0.010547:0.003835
was Rs65/-, issuance of a Pay Order was Rs29/- :@0.107721:0.690246:0.493063:0.690246:0.493063:0.674964:0.107721:0.674964:0.013460:0.009425:0.007182:0.005445:0.011886:0.007182:0.010746:0.010764:0.007182:0.006042:0.004921:0.005445:0.004903:0.007182:0.007164:0.010764:0.009425:0.010764:0.008322:0.008304:0.005445:0.009444:0.007218:0.005445:0.009444:0.005445:0.010041:0.008919:0.009425:0.005445:0.012067:0.007182:0.009425:0.008322:0.007164:0.005445:0.013460:0.009425:0.007182:0.005445:0.011886:0.007182:0.010764:0.010746:0.007182:0.005843:0.003835
and paying a Pay Order was Rs 21/-, issuance of :@0.107721:0.706221:0.493244:0.706221:0.493244:0.690939:0.107721:0.690939:0.009425:0.010746:0.009425:0.005301:0.009425:0.008901:0.009425:0.004903:0.010746:0.009425:0.005301:0.009425:0.005319:0.010041:0.008901:0.009425:0.005301:0.012067:0.007164:0.009425:0.008304:0.007164:0.005319:0.013442:0.009425:0.007164:0.005319:0.011886:0.007164:0.005301:0.010746:0.010746:0.007164:0.006042:0.004903:0.005301:0.004903:0.007164:0.007164:0.010746:0.009425:0.010746:0.008304:0.008304:0.005319:0.009425:0.004704:0.003835
aMail Trnafer was Rs79/- and Paymnet of MT was :@0.107721:0.722196:0.493063:0.722196:0.493063:0.706913:0.107721:0.706913:0.009226:0.015070:0.009226:0.004704:0.004704:0.003275:0.010547:0.007417:0.010547:0.009226:0.004885:0.008105:0.006965:0.003998:0.013243:0.009226:0.006965:0.003998:0.011687:0.006965:0.010547:0.010547:0.006965:0.005843:0.003998:0.009226:0.010547:0.009226:0.003998:0.009842:0.008702:0.009226:0.015070:0.010547:0.008105:0.005843:0.003998:0.009226:0.007019:0.003998:0.015070:0.010547:0.003998:0.013243:0.009226:0.006965:0.003835
Rs64/-.:@0.107721:0.738171:0.164980:0.738171:0.164980:0.722888:0.107721:0.722888:0.011687:0.006965:0.010547:0.010547:0.006965:0.005843:0.004704
2. Bills::@0.092344:0.770121:0.154831:0.770121:0.154831:0.754691:0.092344:0.754691:0.011307:0.004903:0.004034:0.012248:0.005663:0.005663:0.005663:0.008105:0.004903
The cost to collect outward cheques/ Demand :@0.107740:0.786095:0.493027:0.786095:0.493027:0.770813:0.107740:0.770813:0.011018:0.011018:0.008575:0.007435:0.008575:0.009697:0.007435:0.006314:0.007435:0.006314:0.009697:0.007435:0.008575:0.009697:0.005174:0.005174:0.008575:0.008575:0.006314:0.007435:0.009697:0.011018:0.006314:0.013713:0.009697:0.007435:0.009697:0.007435:0.008575:0.011018:0.008575:0.009697:0.011018:0.008575:0.007435:0.007435:0.007435:0.012157:0.008575:0.015540:0.009697:0.011018:0.009226:-0.177732
Drafts was Rs14/- and the bills was Rs71/-. Inward  (Say):@0.107740:0.802070:0.549700:0.802070:0.549700:0.786788:0.107740:0.786788:0.011687:0.006802:0.009226:0.004704:0.005843:0.006965:0.003582:0.013243:0.009226:0.006965:0.003582:0.011687:0.006965:0.010547:0.010547:0.006965:0.005843:0.003582:0.009226:0.010547:0.009226:0.003582:0.005843:0.010547:0.008105:0.003582:0.009226:0.004704:0.004704:0.004704:0.006965:0.003582:0.013243:0.009226:0.006965:0.003582:0.011687:0.006965:0.010547:0.010547:0.006965:0.005843:0.004704:0.003582:0.005843:0.010547:0.013243:0.009226:0.006965:0.009226:0.003835:0.017867:0.005843:0.009226:0.008702:0.009226:0.005843
cheques/ Demand Drafts was Rs8/- and Bills was :@0.107740:0.818045:0.492756:0.818045:0.492756:0.802762:0.107740:0.802762:0.008268:0.010710:0.008268:0.009389:0.010710:0.008268:0.007128:0.007128:0.005120:0.011850:0.008268:0.015233:0.009389:0.010710:0.009389:0.005120:0.011850:0.006965:0.009389:0.004867:0.006006:0.007128:0.005120:0.013406:0.009389:0.007128:0.005120:0.011850:0.007128:0.010710:0.007128:0.006006:0.005120:0.009389:0.010710:0.009389:0.005120:0.010710:0.004867:0.004867:0.004867:0.007128:0.005120:0.013406:0.009389:0.006965:0.003835
Rs54/-:@0.107740:0.834020:0.160294:0.834020:0.160294:0.818737:0.107740:0.818737:0.011687:0.006965:0.010547:0.010547:0.006965:0.005843
3. Others::@0.092362:0.865970:0.175726:0.865970:0.175726:0.850541:0.092362:0.850541:0.011307:0.004903:0.004034:0.013568:0.006965:0.011687:0.009425:0.008467:0.008105:0.004903
The cost to issue an inland letters of credit was   :@0.107758:0.881944:0.514693:0.881944:0.514693:0.866662:0.107758:0.866662:0.010837:0.010837:0.008394:0.006042:0.008394:0.009516:0.007255:0.006133:0.006042:0.006133:0.009516:0.006042:0.004993:0.007255:0.007255:0.010837:0.008394:0.006042:0.009516:0.010837:0.006042:0.004993:0.010837:0.004993:0.009516:0.010837:0.009516:0.006042:0.004993:0.008394:0.006133:0.006133:0.008394:0.007616:0.007255:0.006042:0.009516:0.007309:0.006042:0.008394:0.007255:0.008394:0.009516:0.004993:0.006133:0.006042:0.013532:0.009516:0.006965:0.003835:0.017650:0.003835
Rs669/- and Bank Guarantees was Rs356/-. The :@0.107758:0.897919:0.492846:0.897919:0.492846:0.882637:0.107758:0.882637:0.011850:0.007128:0.010710:0.010710:0.010710:0.007128:0.006006:0.005138:0.009389:0.010710:0.009389:0.005138:0.010710:0.009389:0.010710:0.009389:0.005120:0.011850:0.010710:0.009389:0.006965:0.009389:0.010710:0.006006:0.008268:0.008268:0.007128:0.005138:0.013406:0.009389:0.007128:0.005138:0.011850:0.007128:0.010710:0.010710:0.010710:0.007128:0.006006:0.004867:0.004414:0.010710:0.010710:0.008105:0.003835
cost of  each foreign transaction was Rs299/-.  (Say):@0.107758:0.913894:0.549700:0.913894:0.549700:0.898612:0.107758:0.898612:0.008557:0.009679:0.007417:0.006296:0.007327:0.009679:0.004704:0.002768:0.007327:0.008557:0.009679:0.008557:0.010999:0.007327:0.005156:0.009679:0.007417:0.008557:0.005156:0.009679:0.010999:0.007327:0.006296:0.007255:0.009679:0.010999:0.007417:0.009679:0.008557:0.006296:0.005156:0.009679:0.010999:0.007327:0.013695:0.009679:0.007417:0.007327:0.012139:0.007417:0.010999:0.010999:0.010999:0.007417:0.006296:0.004704:0.003835:0.017994:0.005843:0.009226:0.008702:0.009226:-0.406072
The cost of operation of one safe deposit locker :@0.541692:0.131127:0.926944:0.131127:0.926944:0.115844:0.541692:0.115844:0.010855:0.010837:0.008412:0.006133:0.008412:0.009516:0.007273:0.006133:0.006133:0.009516:0.007327:0.006133:0.009516:0.009534:0.008412:0.007092:0.009371:0.006133:0.005011:0.009534:0.010837:0.006133:0.009516:0.007309:0.006133:0.009516:0.010855:0.008394:0.006133:0.007255:0.009534:0.005174:0.008412:0.006133:0.009534:0.008394:0.009534:0.009516:0.007273:0.004993:0.006151:0.006133:0.004993:0.009516:0.008412:0.008991:0.008394:0.006965:0.003835
was Rs47/-, Government receipts was Rs21/- and :@0.541692:0.147102:0.926763:0.147102:0.926763:0.131819:0.541692:0.131819:0.013315:0.009299:0.007037:0.004686:0.011759:0.007037:0.010620:0.010620:0.007037:0.005916:0.004776:0.004686:0.011759:0.008828:0.008593:0.008177:0.007490:0.010620:0.015142:0.008177:0.010620:0.005916:0.004686:0.007037:0.008177:0.008177:0.008177:0.004776:0.009299:0.005916:0.007037:0.004686:0.013315:0.009299:0.007037:0.004686:0.011759:0.007037:0.010620:0.010620:0.007037:0.005916:0.004686:0.009299:0.010620:0.009226:0.003835
Government Payments was Rs27/-.:@0.541692:0.163076:0.808790:0.163076:0.808790:0.147794:0.541692:0.147794:0.011687:0.008756:0.008521:0.008105:0.007417:0.010547:0.015070:0.008105:0.010547:0.005843:0.003835:0.009842:0.008702:0.009226:0.015070:0.008105:0.010547:0.005843:0.006965:0.003835:0.013243:0.009226:0.006965:0.003835:0.011687:0.006965:0.010547:0.010547:0.006965:0.005843:0.004704
4. Other Instruments::@0.526315:0.195026:0.711261:0.195026:0.711261:0.179597:0.526315:0.179597:0.011307:0.004903:0.004034:0.013568:0.006965:0.011687:0.009425:0.008286:0.004034:0.006603:0.011687:0.008105:0.006965:0.008593:0.011488:0.016210:0.009425:0.011687:0.006965:0.008105:0.004903
Cost of outstation cheques collected for clearing :@0.541710:0.211001:0.927034:0.211001:0.927034:0.195718:0.541710:0.195718:0.010800:0.009480:0.007218:0.006079:0.005717:0.009462:0.007273:0.005717:0.009480:0.010782:0.006097:0.007218:0.006079:0.009317:0.006079:0.004957:0.009480:0.010782:0.005717:0.008358:0.010800:0.008340:0.009480:0.010800:0.008340:0.007218:0.005717:0.008358:0.009462:0.004957:0.004939:0.008358:0.008358:0.006079:0.008358:0.009462:0.005717:0.004939:0.009480:0.007218:0.005717:0.008340:0.004957:0.008358:0.009462:0.007218:0.004957:0.010782:0.009226:0.003835
was Rs14/-.:@0.541710:0.226976:0.632239:0.226976:0.632239:0.211693:0.541710:0.211693:0.013243:0.009226:0.006965:0.003835:0.011687:0.006965:0.010547:0.010547:0.006965:0.005843:0.004704
Break Even Analysis for Deposits/ Advances Accounts::@0.510855:0.260336:0.922853:0.260336:0.922853:0.242248:0.510855:0.242248:0.010401:0.006163:0.008643:0.009365:0.008958:0.003868:0.009568:0.008421:0.008643:0.009827:0.003868:0.011123:0.009827:0.009365:0.004571:0.008773:0.007588:0.004553:0.007588:0.003868:0.006274:0.009587:0.006441:0.003868:0.011845:0.008643:0.009957:0.009587:0.007588:0.004553:0.006404:0.007588:0.008328:0.003868:0.010753:0.009957:0.008606:0.009365:0.009827:0.008125:0.008643:0.007588:0.003868:0.010753:0.008125:0.008125:0.009587:0.009827:0.009827:0.006404:0.007588:0.005515
a) Deposits:@0.526239:0.290875:0.619752:0.290875:0.619752:0.275446:0.526239:0.275446:0.009986:0.006404:0.004034:0.013568:0.009769:0.010547:0.010366:0.008105:0.005663:0.006965:0.008105
i)     Current Account::@0.526239:0.322825:0.689838:0.322825:0.689838:0.307542:0.526239:0.307542:0.004704:0.005843:0.003835:0.003835:0.003835:0.003835:0.003835:0.010547:0.010547:0.007598:0.006965:0.008105:0.010547:0.005843:0.003835:0.012809:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.004704
Cost per Account per Annum :@0.557012:0.338800:0.781904:0.338800:0.781904:0.323517:0.557012:0.323517:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.012809:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.012809:0.010547:0.010384:0.010547:0.015070:0.003835
Rs 497:@0.836503:0.354775:0.890631:0.354775:0.890631:0.339492:0.836503:0.339492:0.011687:0.006965:0.003835:0.010547:0.010547:0.010547
Yield on Advances:@0.557005:0.370749:0.695873:0.370749:0.695873:0.355467:0.557005:0.355467:0.011162:0.004704:0.008105:0.004704:0.009226:0.003835:0.009226:0.010547:0.003835:0.012809:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965
      13%:@0.836499:0.386724:0.894553:0.386724:0.894553:0.371442:0.836499:0.371442:0.003835:0.003835:0.003835:0.003835:0.003835:0.003835:0.010547:0.010547:0.013948
Break Even Point (BEP) = Fixed Expenses/ :@0.526235:0.402699:0.927099:0.402699:0.927099:0.387416:0.526235:0.387416:0.011615:0.008032:0.009172:0.010294:0.010294:0.011958:0.010294:0.009588:0.009172:0.011615:0.011958:0.010728:0.010294:0.005771:0.011615:0.006911:0.011958:0.006911:0.011615:0.010294:0.011615:0.006911:0.011958:0.013134:0.011958:0.010294:0.005771:0.010004:0.009172:0.010294:0.011958:0.010294:0.010294:0.010294:0.009172:0.011615:0.008032:0.009172:0.008032:0.006965:0.003835
Contribution:@0.510858:0.418674:0.608785:0.418674:0.608785:0.403391:0.510858:0.403391:0.010547:0.009226:0.010547:0.005843:0.006965:0.004704:0.009226:0.010547:0.005843:0.004704:0.009226:0.010547
= 497/0.13 = RS 3827 = RS 3900 (Say):@0.510858:0.450624:0.817738:0.450624:0.817738:0.435341:0.510858:0.435341:0.012067:0.003835:0.010547:0.010547:0.010547:0.006965:0.010547:0.004704:0.010547:0.010547:0.003835:0.012067:0.003835:0.011687:0.009226:0.003835:0.010547:0.010547:0.010547:0.010547:0.003835:0.012067:0.003835:0.011687:0.009226:0.003835:0.010547:0.010547:0.010547:0.010547:0.003835:0.005843:0.009226:0.008702:0.009226:0.005843
ii)    Savings Bank Account::@0.526235:0.482573:0.732348:0.482573:0.732348:0.467291:0.526235:0.467291:0.004704:0.004704:0.005843:0.003835:0.003835:0.003835:0.003835:0.009226:0.008521:0.009226:0.004704:0.010547:0.009226:0.006965:0.003835:0.010547:0.009226:0.010547:0.009226:0.003835:0.012809:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.004704
Cost per Account   :@0.557009:0.498548:0.710078:0.498548:0.710078:0.483266:0.557009:0.483266:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.012809:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.003835:0.015667:0.003835
Rs 94:@0.836499:0.498548:0.880081:0.498548:0.880081:0.483266:0.836499:0.483266:0.011687:0.006965:0.003835:0.010547:0.010547
Interest Cost (average) :@0.557009:0.514523:0.729001:0.514523:0.729001:0.499240:0.557009:0.499240:0.005843:0.010547:0.005843:0.008105:0.006965:0.008105:0.006965:0.005843:0.003835:0.010547:0.009226:0.006965:0.005843:0.003835:0.005843:0.008521:0.008521:0.008105:0.006802:0.009064:0.008883:0.008105:0.005843:0.003835
4:@0.836499:0.514523:0.847046:0.514523:0.847046:0.499240:0.836499:0.499240:0.010547
Yield on Funds :@0.557009:0.530498:0.672702:0.530498:0.672702:0.515215:0.557009:0.515215:0.011162:0.004704:0.008105:0.004704:0.009226:0.003835:0.009226:0.010547:0.003835:0.009226:0.010547:0.010547:0.009226:0.006965:0.003835
13%:@0.836499:0.530498:0.871542:0.530498:0.871542:0.515215:0.836499:0.515215:0.010547:0.010547:0.013948
BEP = 94/ 0.13 – 0.4 = RS 1045 = RS 1100.00 (Say):@0.526235:0.546473:0.923011:0.546473:0.923011:0.531190:0.526235:0.531190:0.010547:0.009226:0.010547:0.003347:0.012067:0.003347:0.010547:0.010547:0.006965:0.003347:0.010547:0.004704:0.010547:0.010547:0.003347:0.009046:0.003347:0.010547:0.004704:0.010547:0.003347:0.012067:0.003347:0.011687:0.009226:0.003347:0.010547:0.010547:0.010547:0.010547:0.003347:0.012067:0.003347:0.011687:0.009226:0.003347:0.010547:0.010547:0.010547:0.010547:0.004704:0.010547:0.010547:0.003347:0.005843:0.009226:0.008702:0.009226:0.005843
iii)   Time Deposits::@0.526235:0.578422:0.666659:0.578422:0.666659:0.563140:0.526235:0.563140:0.004704:0.004704:0.004704:0.005843:0.003835:0.003835:0.003112:0.010547:0.004704:0.015070:0.008105:0.003835:0.011687:0.008105:0.009226:0.009226:0.006965:0.004704:0.005843:0.006965:0.004704
Cost per Account   :@0.557009:0.594397:0.710078:0.594397:0.710078:0.579115:0.557009:0.579115:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.012809:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.003835:0.015667:0.003835
Rs 163:@0.836499:0.594397:0.890628:0.594397:0.890628:0.579115:0.836499:0.579115:0.011687:0.006965:0.003835:0.010547:0.010547:0.010547
Interest Cost (average) :@0.557009:0.610372:0.729001:0.610372:0.729001:0.595089:0.557009:0.595089:0.005843:0.010547:0.005843:0.008105:0.006965:0.008105:0.006965:0.005843:0.003835:0.010547:0.009226:0.006965:0.005843:0.003835:0.005843:0.008521:0.008521:0.008105:0.006802:0.009064:0.008883:0.008105:0.005843:0.003835
10%:@0.836499:0.610372:0.871542:0.610372:0.871542:0.595089:0.836499:0.595089:0.010547:0.010547:0.013948
Yield on Funds :@0.557009:0.626347:0.672702:0.626347:0.672702:0.611064:0.557009:0.611064:0.011162:0.004704:0.008105:0.004704:0.009226:0.003835:0.009226:0.010547:0.003835:0.009226:0.010547:0.010547:0.009226:0.006965:0.003835
13%:@0.836499:0.626347:0.871542:0.626347:0.871542:0.611064:0.836499:0.611064:0.010547:0.010547:0.013948
BEP = 163/ 0.13 – 0.10 = RS5430 = RS 5500.00 :@0.526235:0.642322:0.927009:0.642322:0.927009:0.627039:0.526235:0.627039:0.010728:0.009407:0.010728:0.005210:0.012248:0.005210:0.010728:0.010728:0.010728:0.007146:0.005210:0.010728:0.004885:0.010728:0.010728:0.005210:0.009226:0.005210:0.010728:0.004885:0.010728:0.010728:0.005210:0.012248:0.005210:0.011868:0.009407:0.010728:0.010728:0.010728:0.010728:0.005210:0.012248:0.005210:0.011868:0.009407:0.005210:0.010728:0.010728:0.010728:0.010728:0.004885:0.010728:0.010547:0.003835
b) Loans and Advances:@0.526235:0.690246:0.719304:0.690246:0.719304:0.674817:0.526235:0.674817:0.010547:0.006404:0.004034:0.010547:0.010366:0.009986:0.011687:0.008105:0.004034:0.009986:0.011687:0.010746:0.004034:0.012628:0.010583:0.009263:0.009986:0.011687:0.009226:0.009425:0.008105
i)     Small Scale Industries::@0.526235:0.722196:0.726342:0.722196:0.726342:0.706913:0.526235:0.706913:0.004704:0.005843:0.003835:0.003835:0.003835:0.003835:0.003835:0.009226:0.015070:0.009226:0.004704:0.004704:0.003835:0.009226:0.008105:0.009226:0.004704:0.008105:0.003835:0.005843:0.010547:0.009226:0.010547:0.006965:0.005843:0.006965:0.004704:0.008105:0.006965:0.004704
Cost per Account   :@0.557009:0.738171:0.710078:0.738171:0.710078:0.722888:0.557009:0.722888:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.012809:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.003835:0.015667:-0.329655
Rs 151:@0.836499:0.738171:0.890628:0.738171:0.890628:0.722888:0.836499:0.722888:0.011687:0.006965:0.003835:0.010547:0.010547:0.010547
Yield on Advances   :@0.557009:0.754146:0.710078:0.754146:0.710078:0.738863:0.557009:0.738863:0.011162:0.004704:0.008105:0.004704:0.009226:0.003835:0.009226:0.010547:0.003835:0.012809:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965:0.003835:0.006531:-0.351364
12%:@0.836499:0.754146:0.871542:0.754146:0.871542:0.738863:0.836499:0.738863:0.010547:0.010547:0.013948
Cost of Funds (average) :@0.557009:0.770121:0.737377:0.770121:0.737377:0.754838:0.557009:0.754838:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.007019:0.003835:0.009226:0.010547:0.010547:0.009226:0.006965:0.003835:0.005843:0.008521:0.008521:0.008105:0.006802:0.009064:0.008883:0.008105:0.005843:-0.400373
7.5%:@0.836499:0.770121:0.876245:0.770121:0.876245:0.754838:0.836499:0.754838:0.010547:0.004704:0.010547:0.013948
BEP = 151/ 0.12 – 0.075 = RS 3359 = RS 3400.00 :@0.526235:0.786095:0.926846:0.786095:0.926846:0.770813:0.526235:0.770813:0.010547:0.009226:0.010547:0.004306:0.012067:0.004306:0.010547:0.010547:0.010547:0.006965:0.004306:0.010547:0.004704:0.010547:0.010547:0.004306:0.009046:0.004306:0.010547:0.004704:0.010547:0.010547:0.010547:0.004306:0.012067:0.004306:0.011687:0.009226:0.004306:0.010547:0.010547:0.010547:0.010547:0.004306:0.012067:0.004306:0.011687:0.009226:0.004306:0.010547:0.010547:0.010547:0.010547:0.004704:0.010547:0.010547:0.003835
ii)     Agricultural::@0.526235:0.834020:0.659893:0.834020:0.659893:0.818737:0.526235:0.818737:0.004704:0.004704:0.005843:0.003835:0.003835:0.003835:0.003835:0.003835:0.012809:0.009570:0.006965:0.004704:0.008105:0.010547:0.004704:0.005843:0.010547:0.006802:0.009226:0.004704:0.004704
Cost per Account   :@0.557009:0.849995:0.710078:0.849995:0.710078:0.834712:0.557009:0.834712:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.012809:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.003835:0.015667:-0.481621
Rs 277:@0.836499:0.849995:0.890628:0.849995:0.890628:0.834712:0.836499:0.834712:0.011687:0.006965:0.003835:0.010547:0.010547:0.010547
Yield on Advances   :@0.557009:0.865970:0.710078:0.865970:0.710078:0.850687:0.557009:0.850687:0.011162:0.004704:0.008105:0.004704:0.009226:0.003835:0.009226:0.010547:0.003835:0.012809:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965:0.003835:0.006531:-0.503330
12%:@0.836499:0.865970:0.871542:0.865970:0.871542:0.850687:0.836499:0.850687:0.010547:0.010547:0.013948
Cost of Funds (average) :@0.557009:0.881944:0.737377:0.881944:0.737377:0.866662:0.557009:0.866662:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.007019:0.003835:0.009226:0.010547:0.010547:0.009226:0.006965:0.003835:0.005843:0.008521:0.008521:0.008105:0.006802:0.009064:0.008883:0.008105:0.005843:-0.552339
7.5%:@0.836499:0.881944:0.876245:0.881944:0.876245:0.866662:0.836499:0.866662:0.010547:0.004704:0.010547:0.013948
BEP = 277/ 0.12 – 0.075 = RS 6165 = RS 6200.00 :@0.526235:0.897919:0.926846:0.897919:0.926846:0.882637:0.526235:0.882637:0.010547:0.009226:0.010547:0.004306:0.012067:0.004306:0.010547:0.010547:0.010547:0.006965:0.004306:0.010547:0.004704:0.010547:0.010547:0.004306:0.009046:0.004306:0.010547:0.004704:0.010547:0.010547:0.010547:0.004306:0.012067:0.004306:0.011687:0.009226:0.004306:0.010547:0.010547:0.010547:0.010547:0.004306:0.012067:0.004306:0.011687:0.009226:0.004306:0.010547:0.010547:0.010547:0.010547:0.004704:0.010547:0.010547:0.003835
COVER ST OR Y:@0.092050:0.066591:0.308984:0.066591:0.308984:0.041947:0.092050:0.041947:0.021684:0.023001:0.020391:0.020391:0.021684:0.011242:0.020391:0.014370:0.004280:0.023001:0.016980:0.003834:0.015687