www.icmai.in:@0.075898:0.974748:0.201486:0.974748:0.201486:0.957721:0.075898:0.957721:0.015775:0.015775:0.015775:0.005780:0.006278:0.009118:0.016807:0.011271:0.006278:0.005780:0.006278:0.010674
May 2017:@0.510339:0.977730:0.595693:0.977730:0.595693:0.962447:0.510339:0.962447:0.015974:0.009606:0.010131:0.004740:0.011452:0.011452:0.011452:0.010547
49:@0.898987:0.980093:0.921782:0.980093:0.921782:0.958399:0.898987:0.958399:0.011940:0.010855
l  :@0.603419:0.976512:0.626517:0.976512:0.626517:0.965819:0.603419:0.965819:0.015197:0.004284:0.003618
The Management Accountant:@0.627196:0.977731:0.876926:0.977731:0.876926:0.962449:0.627196:0.962449:0.011452:0.011452:0.009009:0.004686:0.015974:0.010131:0.011452:0.009968:0.009787:0.009009:0.015974:0.009009:0.011452:0.006748:0.004686:0.013713:0.009009:0.009009:0.010131:0.011452:0.011452:0.006748:0.010131:0.011452:0.005843
iii)   Other Priority Sector Lending::@0.092308:0.131127:0.350541:0.131127:0.350541:0.115844:0.092308:0.115844:0.004704:0.004704:0.004704:0.005843:0.003835:0.003835:0.003835:0.011868:0.005843:0.010547:0.008105:0.006965:0.003835:0.010547:0.006965:0.004704:0.009226:0.006965:0.004704:0.005843:0.009226:0.003835:0.009226:0.008105:0.008105:0.005843:0.009226:0.006965:0.003835:0.009226:0.008105:0.010547:0.009226:0.004704:0.010547:0.009226:0.004704
Cost per Account   :@0.123081:0.147102:0.276150:0.147102:0.276150:0.131819:0.123081:0.131819:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.012809:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.003835:0.015667:0.003835
Rs 659:@0.402571:0.147102:0.456700:0.147102:0.456700:0.131819:0.402571:0.131819:0.011687:0.006965:0.003835:0.010547:0.010547:0.010547
Yield on Advances   :@0.123081:0.163076:0.276150:0.163076:0.276150:0.147794:0.123081:0.147794:0.011162:0.004704:0.008105:0.004704:0.009226:0.003835:0.009226:0.010547:0.003835:0.012809:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965:0.003835:0.006531:0.003835
12%:@0.402571:0.163076:0.437614:0.163076:0.437614:0.147794:0.402571:0.147794:0.010547:0.010547:0.013948
Cost of Funds (average) :@0.123081:0.179051:0.303450:0.179051:0.303450:0.163769:0.123081:0.163769:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.007019:0.003835:0.009226:0.010547:0.010547:0.009226:0.006965:0.003835:0.005843:0.008521:0.008521:0.008105:0.006802:0.009064:0.008883:0.008105:0.005843:0.003835
7.5%:@0.402571:0.179051:0.442317:0.179051:0.442317:0.163769:0.402571:0.163769:0.010547:0.004704:0.010547:0.013948
BEP = 659/ 0.12 – 0.075 = RS 14637 = :@0.092308:0.195026:0.401721:0.195026:0.401721:0.179743:0.092308:0.179743:0.010547:0.009226:0.010547:0.003835:0.012067:0.003835:0.010547:0.010547:0.010547:0.006965:0.003835:0.010547:0.004704:0.010547:0.010547:0.003835:0.009046:0.003835:0.010547:0.004704:0.010547:0.010547:0.010547:0.003835:0.012067:0.003835:0.011687:0.009226:0.003835:0.010547:0.010547:0.010547:0.010547:0.010547:0.003835:0.012067:0.003835
RS 14700.00 (Say):@0.337443:0.211001:0.483402:0.211001:0.483402:0.195718:0.337443:0.195718:0.011687:0.009226:0.003835:0.010547:0.010547:0.010547:0.010547:0.010547:0.004704:0.010547:0.010547:0.003835:0.005843:0.009226:0.008702:0.009226:0.005843
iv)   Industry & Trade Advances::@0.092308:0.242951:0.333372:0.242951:0.333372:0.227668:0.092308:0.227668:0.004360:0.009226:0.005843:0.003835:0.003835:0.003835:0.005843:0.010547:0.009226:0.010547:0.006965:0.005843:0.007327:0.009226:0.003835:0.011687:0.003112:0.010547:0.006802:0.009226:0.009226:0.008105:0.003835:0.012809:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965:0.004704
Cost per Account   :@0.123081:0.258925:0.276150:0.258925:0.276150:0.243643:0.123081:0.243643:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.012809:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.003835:0.015667:0.003835
Rs 1040:@0.402571:0.258925:0.467247:0.258925:0.467247:0.243643:0.402571:0.243643:0.011687:0.006965:0.003835:0.010547:0.010547:0.010547:0.010547
Yield on Advances   :@0.123081:0.274900:0.276150:0.274900:0.276150:0.259618:0.123081:0.259618:0.011162:0.004704:0.008105:0.004704:0.009226:0.003835:0.009226:0.010547:0.003835:0.012809:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965:0.003835:0.006531:0.003835
12%:@0.402571:0.274900:0.437614:0.274900:0.437614:0.259618:0.402571:0.259618:0.010547:0.010547:0.013948
Cost of Funds (average) :@0.123081:0.290875:0.303450:0.290875:0.303450:0.275593:0.123081:0.275593:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.007019:0.003835:0.009226:0.010547:0.010547:0.009226:0.006965:0.003835:0.005843:0.008521:0.008521:0.008105:0.006802:0.009064:0.008883:0.008105:0.005843:0.003835
7.5%:@0.402571:0.290875:0.442317:0.290875:0.442317:0.275593:0.402571:0.275593:0.010547:0.004704:0.010547:0.013948
BEP = 1040/ 0.12 –0.075 = RS 23131 = :@0.092308:0.306850:0.408433:0.306850:0.408433:0.291567:0.092308:0.291567:0.010547:0.009226:0.010547:0.003835:0.012067:0.003835:0.010547:0.010547:0.010547:0.010547:0.006965:0.003835:0.010547:0.004704:0.010547:0.010547:0.003835:0.009046:0.010547:0.004704:0.010547:0.010547:0.010547:0.003835:0.012067:0.003835:0.011687:0.009226:0.003835:0.010547:0.010547:0.010547:0.010547:0.010547:0.003835:0.012067:0.003835
RS 23200.00 (Say):@0.337443:0.322825:0.483402:0.322825:0.483402:0.307542:0.337443:0.307542:0.011687:0.009226:0.003835:0.010547:0.010547:0.010547:0.010547:0.010547:0.004704:0.010547:0.010547:0.003835:0.005843:0.009226:0.008702:0.009226:0.005843
v)    Other Loans and Advances::@0.092308:0.354775:0.329971:0.354775:0.329971:0.339492:0.092308:0.339492:0.009226:0.005843:0.003835:0.003835:0.003835:0.003835:0.011868:0.005843:0.010547:0.008105:0.006965:0.003835:0.009226:0.009226:0.009226:0.010547:0.006965:0.003835:0.009226:0.010547:0.009226:0.003835:0.012809:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965:0.004704
Cost per Account   :@0.123081:0.370749:0.276150:0.370749:0.276150:0.355467:0.123081:0.355467:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.008105:0.006965:0.003835:0.012809:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.003835:0.015667:0.003835
Rs 737:@0.402571:0.370749:0.456700:0.370749:0.456700:0.355467:0.402571:0.355467:0.011687:0.006965:0.003835:0.010547:0.010547:0.010547
Yield on Advances   :@0.123081:0.386724:0.276150:0.386724:0.276150:0.371442:0.123081:0.371442:0.011162:0.004704:0.008105:0.004704:0.009226:0.003835:0.009226:0.010547:0.003835:0.012809:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965:0.003835:0.006531:0.003835
12%:@0.402571:0.386724:0.437614:0.386724:0.437614:0.371442:0.402571:0.371442:0.010547:0.010547:0.013948
Cost of Funds (average) :@0.123081:0.402699:0.303450:0.402699:0.303450:0.387416:0.123081:0.387416:0.010547:0.009226:0.006965:0.005843:0.003835:0.009226:0.007019:0.003835:0.009226:0.010547:0.010547:0.009226:0.006965:0.003835:0.005843:0.008521:0.008521:0.008105:0.006802:0.009064:0.008883:0.008105:0.005843:0.003835
7.5%:@0.402571:0.402699:0.442317:0.402699:0.442317:0.387416:0.402571:0.387416:0.010547:0.004704:0.010547:0.013948
BEP = 737/ 0.12 – 0.075 = RS 16390 = :@0.092308:0.418674:0.401721:0.418674:0.401721:0.403391:0.092308:0.403391:0.010547:0.009226:0.010547:0.003835:0.012067:0.003835:0.010547:0.010547:0.010547:0.006965:0.003835:0.010547:0.004704:0.010547:0.010547:0.003835:0.009046:0.003835:0.010547:0.004704:0.010547:0.010547:0.010547:0.003835:0.012067:0.003835:0.011687:0.009226:0.003835:0.010547:0.010547:0.010547:0.010547:0.010547:0.003835:0.012067:0.003835
RS 16400.00 (Say):@0.337443:0.434649:0.483402:0.434649:0.483402:0.419366:0.337443:0.419366:0.011687:0.009226:0.003835:0.010547:0.010547:0.010547:0.010547:0.010547:0.004704:0.010547:0.010547:0.003835:0.005843:0.009226:0.008702:0.009226:0.005843
Customer Profitability Analysis::@0.076923:0.468009:0.328901:0.468009:0.328901:0.449921:0.076923:0.449921:0.010942:0.010220:0.007921:0.006705:0.009973:0.014437:0.009004:0.006743:0.004844:0.010125:0.006459:0.009973:0.005461:0.005461:0.006705:0.009745:0.010353:0.004806:0.004825:0.004806:0.006705:0.009137:0.004844:0.011549:0.010220:0.009745:0.004825:0.009137:0.007921:0.004806:0.007921:0.005661
Customer Profitability Analysis, is a methodical  customer’s account is also required::@0.092308:0.482573:0.780297:0.482573:0.780297:0.467291:0.092308:0.467291:0.011054:0.011054:0.007472:0.006350:0.009733:0.015576:0.008611:0.007472:0.007743:0.011054:0.007472:0.009733:0.004613:0.005120:0.006350:0.009208:0.009733:0.005210:0.005210:0.005210:0.006350:0.009733:0.007743:0.013315:0.011054:0.009733:0.004686:0.009733:0.007472:0.005210:0.007472:0.005210:0.007743:0.005210:0.007472:0.007743:0.009733:0.007743:0.015576:0.008611:0.006350:0.011054:0.009733:0.009733:0.005210:0.008611:0.009733:0.004704:0.003835:0.018073:0.008105:0.010547:0.006965:0.005843:0.009226:0.015070:0.008105:0.006965:0.004360:0.006965:0.003835:0.009226:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.003835:0.004704:0.006965:0.003835:0.009226:0.004704:0.006965:0.009226:0.003835:0.006965:0.008105:0.009226:0.010547:0.004704:0.006965:0.008105:0.009226:0.004704
attempt, which takes into account the income earned   :@0.076930:0.498548:0.514700:0.498548:0.514700:0.483266:0.076930:0.483266:0.009172:0.005952:0.005952:0.008213:0.015178:0.009335:0.005952:0.004812:0.004704:0.013351:0.010656:0.004812:0.008213:0.010656:0.004704:0.005952:0.009335:0.008792:0.008213:0.007074:0.004704:0.004812:0.010656:0.005952:0.009335:0.004704:0.009335:0.008213:0.008213:0.009335:0.010656:0.010656:0.005952:0.004704:0.005952:0.010656:0.008213:0.004704:0.004812:0.010656:0.008213:0.009335:0.015178:0.008213:0.004704:0.008213:0.009335:0.007526:0.010656:0.008213:0.009226:0.003835:0.018037:0.003835
along with other benefits derived and after deducting :@0.076930:0.514523:0.492593:0.514523:0.492593:0.499240:0.076930:0.499240:0.009371:0.004848:0.009371:0.010692:0.009371:0.005011:0.013912:0.004848:0.005988:0.010692:0.005011:0.009371:0.005988:0.010692:0.008250:0.007110:0.005011:0.009371:0.008250:0.010692:0.008250:0.004613:0.004758:0.005988:0.007110:0.005011:0.009371:0.008250:0.007110:0.004505:0.008666:0.008250:0.009371:0.005011:0.009371:0.010692:0.009371:0.005011:0.009371:0.004848:0.005988:0.008250:0.007110:0.005011:0.009371:0.008250:0.009371:0.010692:0.008250:0.005988:0.004848:0.010692:0.009226:0.003835
the related costs in servicing the business placed by   :@0.076930:0.530498:0.514700:0.530498:0.514700:0.515215:0.076930:0.515215:0.006115:0.010819:0.008376:0.005916:0.007236:0.008376:0.004975:0.009335:0.006115:0.008376:0.009498:0.005916:0.008376:0.009498:0.007236:0.006115:0.007236:0.005916:0.004975:0.010819:0.005916:0.007236:0.008376:0.007761:0.009498:0.004975:0.008376:0.004975:0.010819:0.009498:0.005916:0.006115:0.010819:0.008376:0.005916:0.009498:0.010819:0.007236:0.004975:0.010819:0.008376:0.007236:0.007236:0.005916:0.009498:0.004975:0.009498:0.008376:0.008376:0.009498:0.005916:0.008955:0.009226:0.003835:0.017874:0.003835
the customer with the bank. For customers who have :@0.076930:0.546473:0.493009:0.546473:0.493009:0.531190:0.076930:0.531190:0.005970:0.010656:0.008231:0.004740:0.008231:0.010674:0.007074:0.005970:0.009353:0.015178:0.008231:0.007092:0.004740:0.013894:0.004812:0.005970:0.010674:0.004740:0.005952:0.010674:0.008231:0.004740:0.009353:0.009335:0.010674:0.009353:0.004812:0.004740:0.008810:0.009353:0.007092:0.004740:0.008213:0.010674:0.007092:0.005970:0.009335:0.015197:0.008231:0.007435:0.007092:0.004740:0.013369:0.010656:0.009353:0.004740:0.010674:0.008648:0.008629:0.008105:0.003835
been availing a mix of products, it may happen that   :@0.076930:0.562448:0.514700:0.562448:0.514700:0.547165:0.076930:0.547165:0.009444:0.008322:0.008322:0.010764:0.005536:0.008738:0.009100:0.009444:0.004921:0.004921:0.004921:0.010764:0.009444:0.005536:0.009444:0.005536:0.015287:0.004921:0.009444:0.005536:0.009444:0.007236:0.005536:0.009444:0.007182:0.009444:0.009444:0.010764:0.008322:0.006061:0.007182:0.004921:0.005536:0.004921:0.006061:0.005536:0.015287:0.008919:0.009444:0.005536:0.010764:0.009281:0.009444:0.009444:0.008322:0.010764:0.005536:0.006061:0.010764:0.009281:0.005843:0.003835:0.018037:0.003835
the bank may be making a loss in one product, while it :@0.076930:0.578422:0.492900:0.578422:0.492900:0.563140:0.076930:0.563140:0.005843:0.010547:0.008105:0.004107:0.009226:0.009226:0.010547:0.009226:0.004107:0.015070:0.008702:0.009226:0.004107:0.009226:0.008105:0.004107:0.015070:0.009226:0.009226:0.004704:0.010547:0.009226:0.004107:0.009226:0.004107:0.004704:0.009226:0.006965:0.006965:0.004107:0.004704:0.010547:0.004107:0.009226:0.010547:0.008105:0.004107:0.009226:0.006965:0.009226:0.009226:0.010547:0.008105:0.005843:0.004704:0.004107:0.013243:0.010547:0.004704:0.004704:0.008105:0.004107:0.004704:0.005843:0.003835
may be able to earn a profit from another product. It is :@0.076930:0.594397:0.492900:0.594397:0.492900:0.579115:0.076930:0.579115:0.015070:0.008702:0.009226:0.004306:0.009226:0.008105:0.004306:0.008702:0.009226:0.004704:0.008105:0.004306:0.005843:0.009226:0.004306:0.008105:0.009226:0.007417:0.010547:0.004306:0.009226:0.004306:0.009226:0.006965:0.009226:0.004613:0.004613:0.005843:0.004306:0.004704:0.006965:0.009226:0.015070:0.004306:0.009226:0.010547:0.009226:0.005843:0.010547:0.008105:0.006965:0.004306:0.009226:0.006965:0.009226:0.009226:0.010547:0.008105:0.005843:0.004704:0.004306:0.005843:0.005843:0.004306:0.004704:0.006965:0.003835
therefore essential to take a holistic view of use of each   :@0.076930:0.610372:0.514700:0.610372:0.514700:0.595089:0.076930:0.595089:0.005843:0.010547:0.008105:0.006965:0.008105:0.004704:0.009226:0.006965:0.008105:0.003763:0.008105:0.006965:0.006965:0.008105:0.010547:0.005843:0.004704:0.009226:0.004704:0.003763:0.005843:0.009226:0.003763:0.005843:0.009226:0.008684:0.008105:0.003763:0.009226:0.003763:0.010547:0.009226:0.004704:0.004704:0.006965:0.005843:0.004704:0.008105:0.003763:0.009226:0.004704:0.008105:0.013767:0.003763:0.009226:0.007019:0.003763:0.010547:0.006965:0.008105:0.003763:0.009226:0.007019:0.003763:0.008105:0.009226:0.008105:0.010547:0.003835:0.017892:0.003835
product and then to find out whether the account as a :@0.076930:0.626347:0.493009:0.626347:0.493009:0.611064:0.076930:0.611064:0.009226:0.006965:0.009226:0.009226:0.010547:0.008105:0.005843:0.004450:0.009226:0.010547:0.009226:0.004450:0.005843:0.010547:0.008105:0.010547:0.004450:0.005843:0.009226:0.004450:0.004613:0.004613:0.010547:0.009226:0.004450:0.009226:0.010547:0.005843:0.004450:0.013243:0.010547:0.008105:0.005843:0.010547:0.008105:0.006965:0.004450:0.005843:0.010547:0.008105:0.004450:0.009226:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.004450:0.009226:0.006965:0.004450:0.009226:0.003835
whole gives the bank enough profit margin. On many :@0.076930:0.642322:0.492828:0.642322:0.492828:0.627039:0.076930:0.627039:0.013333:0.010638:0.009317:0.004794:0.008195:0.004704:0.009317:0.004450:0.008611:0.008195:0.007056:0.004704:0.005934:0.010638:0.008195:0.004704:0.009317:0.009317:0.010638:0.009317:0.004704:0.008195:0.010638:0.009317:0.010638:0.009317:0.010638:0.004704:0.009317:0.007056:0.009317:0.004613:0.004704:0.005934:0.004704:0.015160:0.009317:0.007056:0.009317:0.004794:0.010638:0.004794:0.004704:0.011958:0.010638:0.004704:0.015160:0.009317:0.010113:0.009226:0.003835
occasions, it so happen that customers availing multiple :@0.076930:0.658297:0.492647:0.658297:0.492647:0.643014:0.076930:0.643014:0.009136:0.008014:0.008014:0.009136:0.006875:0.004613:0.009136:0.010457:0.006875:0.004613:0.003184:0.004613:0.005753:0.003184:0.006875:0.009136:0.003184:0.010457:0.008973:0.009136:0.009136:0.008014:0.010457:0.003184:0.005753:0.010457:0.008973:0.005753:0.003184:0.008014:0.010457:0.006875:0.005753:0.009136:0.014979:0.008014:0.007236:0.006875:0.003184:0.008430:0.008792:0.009136:0.004613:0.004613:0.004613:0.010457:0.009136:0.003184:0.014817:0.010457:0.004613:0.005753:0.004613:0.009136:0.004613:0.008105:0.003835
products, may request for concessions on interest rate :@0.076930:0.674271:0.493081:0.674271:0.493081:0.658989:0.076930:0.658989:0.009299:0.007019:0.009299:0.009299:0.010601:0.008177:0.005916:0.007019:0.004776:0.004668:0.015124:0.008774:0.009299:0.004668:0.007037:0.008177:0.009281:0.010620:0.008177:0.007037:0.005898:0.004668:0.004758:0.009299:0.007037:0.004668:0.008177:0.009299:0.010601:0.008177:0.008177:0.007037:0.007019:0.004776:0.009299:0.010601:0.007037:0.004668:0.009281:0.010620:0.004668:0.004758:0.010620:0.005916:0.008159:0.007037:0.008177:0.007019:0.005916:0.004668:0.006857:0.009136:0.005916:0.008105:0.003835
or opn commissions. All these requests come with the  limited company having its headquarters in one of the :@0.076930:0.690246:0.926868:0.690246:0.926868:0.674964:0.076930:0.674964:0.009299:0.007037:0.004668:0.009299:0.009299:0.010620:0.004668:0.008177:0.009299:0.015142:0.015142:0.004776:0.007037:0.007037:0.004776:0.009299:0.010620:0.007037:0.004776:0.004668:0.012881:0.004776:0.004776:0.004668:0.005916:0.010620:0.008177:0.007037:0.008177:0.004668:0.007037:0.008177:0.009299:0.010620:0.008177:0.007037:0.005916:0.007037:0.004668:0.008177:0.009299:0.015142:0.008177:0.004668:0.013840:0.004776:0.005916:0.010620:0.004668:0.005916:0.010620:0.008105:0.003835:0.017835:0.004704:0.004704:0.015070:0.004704:0.005843:0.008105:0.009226:0.004215:0.008105:0.009226:0.015070:0.009226:0.009226:0.010023:0.009226:0.004215:0.010547:0.008521:0.009226:0.004704:0.010547:0.009226:0.004215:0.004704:0.005843:0.006965:0.004215:0.010547:0.008105:0.009226:0.009226:0.009226:0.010547:0.009226:0.007490:0.005843:0.008105:0.007327:0.006965:0.004215:0.004704:0.010547:0.004215:0.009226:0.010547:0.008105:0.004215:0.009226:0.007019:0.004215:0.005843:0.010547:0.008105:-0.481317
arguments that they are bank’s valued customers,  major metropolis (M1). It has four divisional offices at :@0.076930:0.706221:0.926741:0.706221:0.926741:0.690939:0.076930:0.690939:0.009624:0.007363:0.009624:0.010945:0.015468:0.008503:0.010945:0.006241:0.007363:0.006893:0.006241:0.010945:0.009462:0.006241:0.006893:0.006241:0.010945:0.008159:0.009624:0.006893:0.009624:0.007363:0.008503:0.006893:0.009624:0.009624:0.010945:0.009624:0.004758:0.007363:0.006893:0.009281:0.009624:0.005102:0.010945:0.008503:0.009624:0.006893:0.008503:0.010945:0.007363:0.006241:0.009624:0.015468:0.008503:0.007725:0.007363:0.004704:0.003835:0.017853:0.015142:0.009299:0.004776:0.009299:0.007037:0.004686:0.015142:0.008177:0.005916:0.007037:0.009299:0.009299:0.009299:0.004776:0.004776:0.007037:0.004686:0.005916:0.015142:0.010620:0.005916:0.004776:0.004686:0.005916:0.005916:0.004686:0.010620:0.009299:0.007037:0.004686:0.004776:0.009299:0.010620:0.007037:0.004686:0.009299:0.004432:0.009299:0.004776:0.007037:0.004776:0.009299:0.010620:0.009299:0.004776:0.004686:0.009299:0.004776:0.004613:0.004686:0.008177:0.008177:0.007037:0.004686:0.009136:0.005843:-0.502900
maintain a large deposit or have availed of  large  four other metros viz. M2, M3, M4 and M5. Modern :@0.076930:0.722196:0.927194:0.722196:0.927194:0.706913:0.076930:0.706913:0.015576:0.009733:0.005210:0.011054:0.006350:0.009733:0.005210:0.011054:0.007761:0.009733:0.007761:0.005210:0.009733:0.007472:0.009389:0.008611:0.007761:0.009733:0.008611:0.009733:0.009733:0.007472:0.005210:0.006350:0.007761:0.009733:0.007472:0.007761:0.011054:0.009027:0.009027:0.008611:0.007761:0.009027:0.009389:0.009733:0.005210:0.005210:0.008611:0.009733:0.007761:0.009733:0.004704:0.002822:0.007761:0.005210:0.009733:0.007472:0.009389:0.008105:0.003835:0.018088:0.004921:0.009444:0.010764:0.007182:0.005464:0.009444:0.006061:0.010764:0.008322:0.007182:0.005464:0.015287:0.008322:0.006061:0.007182:0.009444:0.007182:0.005464:0.009444:0.004921:0.007182:0.004921:0.005464:0.015287:0.010764:0.004921:0.005464:0.015287:0.010764:0.004921:0.005464:0.015287:0.010764:0.005464:0.009444:0.010764:0.009444:0.005464:0.015287:0.010764:0.004921:0.005464:0.015287:0.009444:0.009444:0.008322:0.007634:0.010547:-0.525061
advances. However, placing a large deposit or taking :@0.076930:0.738171:0.492737:0.738171:0.492737:0.722888:0.076930:0.722888:0.009425:0.009082:0.009082:0.009425:0.010746:0.008304:0.008304:0.007164:0.004903:0.005391:0.013008:0.009082:0.013261:0.008304:0.008720:0.008304:0.005735:0.004903:0.005391:0.009425:0.004903:0.009425:0.008304:0.004903:0.010746:0.009425:0.005391:0.009425:0.005391:0.004903:0.009425:0.007164:0.009082:0.008304:0.005391:0.009425:0.008304:0.009425:0.009425:0.007164:0.004903:0.006042:0.005391:0.009425:0.007164:0.005391:0.006042:0.009425:0.009425:0.004903:0.010746:0.009226:0.003835
a large advance does not necessarily make a customer  cash credit limit of Rs5 crores with sub-limits of Rs50 :@0.076930:0.754146:0.927049:0.754146:0.927049:0.738863:0.076930:0.738863:0.009263:0.004631:0.004740:0.009263:0.007001:0.008919:0.008141:0.004631:0.009263:0.008919:0.008919:0.009263:0.010583:0.008141:0.008141:0.004631:0.009263:0.009263:0.008141:0.007001:0.004631:0.010583:0.009263:0.005880:0.004631:0.010583:0.008141:0.008141:0.008141:0.007001:0.007001:0.009263:0.007001:0.004740:0.004215:0.009263:0.004631:0.015106:0.009263:0.008720:0.008141:0.004631:0.009263:0.004631:0.008141:0.010583:0.007001:0.005880:0.009263:0.015106:0.008141:0.006965:0.003835:0.018034:0.008123:0.009245:0.006983:0.010565:0.004613:0.008123:0.006983:0.008123:0.009245:0.004722:0.005862:0.004613:0.004722:0.004722:0.015088:0.004722:0.005862:0.004613:0.009245:0.007037:0.004613:0.011705:0.006983:0.010565:0.004613:0.008123:0.006983:0.009245:0.006983:0.008123:0.006983:0.004613:0.013785:0.004722:0.005862:0.010565:0.004613:0.006983:0.010565:0.009245:0.005862:0.004722:0.004722:0.015088:0.004722:0.005862:0.006983:0.004613:0.009245:0.007037:0.004613:0.011705:0.006983:0.010565:0.010547:-0.568335
profitable unless all aspects of their dealings with the  lakhs each at M2, M3, M4 and M5 branches of the bank :@0.076930:0.770121:0.926832:0.770121:0.926832:0.754838:0.076930:0.754838:0.009371:0.007110:0.009371:0.004613:0.004758:0.005988:0.008847:0.009371:0.004848:0.008250:0.004903:0.010692:0.010692:0.004848:0.008250:0.007110:0.007110:0.004903:0.009371:0.004848:0.004848:0.004903:0.009371:0.007110:0.009371:0.008250:0.008250:0.005988:0.007110:0.004903:0.009371:0.007164:0.004903:0.005988:0.010692:0.008250:0.004848:0.007110:0.004903:0.009371:0.008250:0.009371:0.004848:0.004848:0.010692:0.009371:0.007110:0.004903:0.013912:0.004848:0.005988:0.010692:0.004903:0.005988:0.010692:0.008105:0.003835:0.017618:0.004613:0.009136:0.009136:0.010457:0.006875:0.003166:0.008014:0.009136:0.008014:0.010457:0.003166:0.008973:0.005753:0.003166:0.014979:0.010457:0.004613:0.003166:0.014979:0.010457:0.004613:0.003166:0.014979:0.010457:0.003166:0.009136:0.010457:0.009136:0.003166:0.014979:0.010457:0.003166:0.009136:0.006712:0.009136:0.010457:0.008014:0.010457:0.008014:0.006875:0.003166:0.009136:0.006929:0.003166:0.005753:0.010457:0.008014:0.003166:0.009136:0.009136:0.010457:0.009226:-0.589828
bank are accounted for.:@0.076930:0.786095:0.253880:0.786095:0.253880:0.770813:0.076930:0.770813:0.009226:0.009226:0.010547:0.009226:0.003835:0.009226:0.006965:0.008105:0.003835:0.009226:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.008105:0.009226:0.003835:0.004704:0.009226:0.005355:0.004704
The profitability of an account depends on net surplus  other products availed of by MEWL are::@0.092308:0.802070:0.808244:0.802070:0.808244:0.786788:0.092308:0.786788:0.010439:0.010439:0.007996:0.003148:0.009118:0.006857:0.009118:0.004613:0.004505:0.005735:0.008593:0.009118:0.004595:0.004595:0.004595:0.005735:0.009118:0.003148:0.009118:0.006911:0.003148:0.009118:0.010439:0.003148:0.009118:0.007996:0.007996:0.009118:0.010439:0.010439:0.005735:0.003148:0.009118:0.007996:0.009118:0.007996:0.010439:0.009118:0.006857:0.003148:0.009118:0.010439:0.003148:0.010439:0.007996:0.005735:0.003148:0.006857:0.010439:0.007128:0.009118:0.004595:0.010439:0.006965:0.003835:0.018034:0.009226:0.005843:0.010547:0.008105:0.006965:0.003835:0.009226:0.006965:0.009226:0.009226:0.010547:0.008105:0.005843:0.006965:0.003835:0.008521:0.008883:0.009226:0.004704:0.004704:0.008105:0.009226:0.003835:0.009226:0.007019:0.003835:0.008684:0.009226:0.003835:0.015070:0.009226:0.017530:0.009226:0.003835:0.009226:0.006965:0.008105:-0.513791
of the income received (interest income and non-interest :@0.076930:0.818045:0.493244:0.818045:0.493244:0.802762:0.076930:0.802762:0.009082:0.006875:0.002931:0.005699:0.010402:0.007960:0.002931:0.004559:0.010402:0.007960:0.009082:0.014925:0.007960:0.002931:0.006820:0.007960:0.007960:0.007960:0.004215:0.008376:0.007960:0.009082:0.002931:0.005699:0.004559:0.010402:0.005699:0.007960:0.006820:0.007960:0.006820:0.005699:0.002931:0.004559:0.010402:0.007960:0.009082:0.014925:0.007960:0.002931:0.009082:0.010402:0.009082:0.002931:0.010402:0.009082:0.010402:0.005699:0.004559:0.010402:0.005699:0.007960:0.006820:0.007960:0.006820:0.005843:0.003835
income, e.g. exchange/commission earned) and costs :@0.076930:0.834020:0.492593:0.834020:0.492593:0.818737:0.076930:0.818737:0.004848:0.010692:0.008250:0.009371:0.015215:0.007906:0.004848:0.005011:0.007906:0.004848:0.009027:0.004848:0.005011:0.007906:0.009082:0.008250:0.010692:0.009371:0.010692:0.009027:0.008250:0.007110:0.008250:0.009371:0.015215:0.015215:0.004848:0.007110:0.007110:0.004848:0.009371:0.010692:0.005011:0.008250:0.009371:0.007562:0.010692:0.008250:0.009371:0.005988:0.005011:0.009371:0.010692:0.009371:0.005011:0.008250:0.009371:0.007110:0.005988:0.006965:0.003835
incurred (interest expenditure-funding cost and non-:@0.076930:0.849995:0.489282:0.849995:0.489282:0.834712:0.076930:0.834712:0.004867:0.010710:0.008268:0.010710:0.007761:0.007128:0.008268:0.009389:0.005047:0.006006:0.004867:0.010710:0.006006:0.008268:0.007128:0.008268:0.007128:0.006006:0.005047:0.007924:0.009389:0.009389:0.008268:0.010710:0.009389:0.004867:0.006006:0.010710:0.007128:0.008268:0.006006:0.004867:0.010710:0.010710:0.009389:0.004867:0.010710:0.009389:0.005047:0.008268:0.009389:0.007128:0.006006:0.005047:0.009389:0.010710:0.009389:0.005047:0.010710:0.009389:0.010710:0.005843
interest expenditure, i.e. operating costs).:@0.076930:0.865970:0.386235:0.865970:0.386235:0.850687:0.076930:0.850687:0.004704:0.010547:0.005843:0.008105:0.006965:0.008105:0.006965:0.005843:0.003835:0.007761:0.009226:0.009226:0.008105:0.010547:0.009226:0.004704:0.005843:0.010547:0.006965:0.007761:0.004704:0.003835:0.004704:0.004704:0.007761:0.004704:0.003835:0.009226:0.009226:0.008105:0.006802:0.009064:0.005843:0.004704:0.010547:0.009226:0.003835:0.008105:0.009226:0.006965:0.005843:0.006965:0.005843:0.004704
Incomes received are from::@0.092308:0.897919:0.320184:0.897919:0.320184:0.882490:0.092308:0.882490:0.006603:0.011687:0.009226:0.010366:0.016210:0.009425:0.008105:0.004034:0.008123:0.009425:0.009226:0.009425:0.005500:0.008973:0.009425:0.010746:0.004034:0.009986:0.008123:0.009425:0.004034:0.006006:0.008286:0.010366:0.016210:0.004903
 :@0.107703:0.913202:0.130317:0.913202:0.130317:0.899836:0.107703:0.899836:0.018091:0.010326
Interest earned on advances:@0.142058:0.913894:0.354123:0.913894:0.354123:0.898612:0.142058:0.898612:0.005843:0.010547:0.005843:0.008105:0.006965:0.008105:0.006965:0.005843:0.003835:0.008105:0.009226:0.007417:0.010547:0.008105:0.009226:0.003835:0.009226:0.010547:0.003835:0.009226:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:-0.209374
:@0.541638:0.130434:0.515388:0.130434:0.515388:0.117069:0.541638:0.117069:-0.026250
   Fee based income from ancillary business    :@0.559729:0.131127:0.905469:0.131127:0.905469:0.115844:0.559729:0.115844:0.003835:0.003835:0.008593:0.008702:0.008105:0.008105:0.003835:0.009226:0.009226:0.006965:0.008105:0.009226:0.003835:0.004704:0.010547:0.008105:0.009226:0.015070:0.008105:0.003835:0.004704:0.006965:0.009226:0.015070:0.003835:0.009226:0.010547:0.008105:0.004704:0.004704:0.004704:0.009226:0.007327:0.009226:0.003835:0.009226:0.010547:0.006965:0.004704:0.010547:0.008105:0.006965:0.006965:0.003835:0.003835:0.007616:0.003835
including forex business, if any.:@0.575993:0.147102:0.812644:0.147102:0.812644:0.131819:0.575993:0.131819:0.004704:0.010547:0.008105:0.004704:0.010547:0.009226:0.004704:0.010547:0.009226:0.003835:0.004704:0.009226:0.006965:0.007761:0.009226:0.003835:0.009226:0.010547:0.006965:0.004704:0.010547:0.008105:0.006965:0.006965:0.004704:0.003835:0.004704:0.007019:0.003835:0.009226:0.010023:0.006712:0.004704
:@0.541638:0.162384:0.515388:0.162384:0.515388:0.149019:0.541638:0.149019:-0.026250
   Notional income from float funds generated  :@0.559729:0.163076:0.910879:0.163076:0.910879:0.147794:0.559729:0.147794:0.003835:0.003835:0.008593:0.012809:0.009226:0.005843:0.004704:0.009226:0.010547:0.009226:0.004704:0.003835:0.004704:0.010547:0.008105:0.009226:0.015070:0.008105:0.003835:0.004704:0.006965:0.009226:0.015070:0.003835:0.004613:0.004613:0.009226:0.009064:0.005843:0.003835:0.004704:0.010547:0.010547:0.009226:0.006965:0.003835:0.008883:0.008105:0.010547:0.008105:0.006802:0.009064:0.005843:0.008105:0.009226:0.003835:0.003835
because of ancillary business.:@0.575993:0.179051:0.800522:0.179051:0.800522:0.163769:0.575993:0.163769:0.009226:0.008105:0.008105:0.009226:0.010547:0.006965:0.008105:0.003835:0.009226:0.007019:0.003835:0.009226:0.010547:0.008105:0.004704:0.004704:0.004704:0.009226:0.007327:0.009226:0.003835:0.009226:0.010547:0.006965:0.004704:0.010547:0.008105:0.006965:0.006965:0.004704
Costs incurred are from::@0.526242:0.195026:0.732500:0.195026:0.732500:0.179597:0.526242:0.179597:0.012067:0.010366:0.008105:0.006965:0.008105:0.004034:0.005663:0.011687:0.009226:0.011488:0.008883:0.008123:0.009425:0.010746:0.004034:0.009986:0.008123:0.009425:0.004034:0.006006:0.008286:0.010366:0.016210:0.004903
:@0.541638:0.210309:0.559729:0.210309:0.559729:0.196943:0.541638:0.196943:0.018091
  Interest costs of deposits placed:@0.559729:0.211001:0.811757:0.211001:0.811757:0.195718:0.559729:0.195718:0.003835:0.012429:0.005843:0.010547:0.005843:0.008105:0.006965:0.008105:0.006965:0.005843:0.003835:0.008105:0.009226:0.006965:0.005843:0.006965:0.003835:0.009226:0.007019:0.003835:0.009226:0.008105:0.009226:0.009226:0.006965:0.004704:0.005843:0.006965:0.003835:0.009226:0.004704:0.009226:0.008105:0.008105:0.009226
:@0.541638:0.226284:0.559729:0.226284:0.559729:0.212918:0.541638:0.212918:0.018091
  Operating costs (servicing) costs for ancillary  :@0.559729:0.226976:0.921860:0.226976:0.921860:0.211693:0.559729:0.211693:0.003835:0.012429:0.011868:0.009226:0.008105:0.006802:0.009064:0.005843:0.004704:0.010547:0.009226:0.003835:0.008105:0.009226:0.006965:0.005843:0.006965:0.003835:0.005843:0.006965:0.008105:0.007490:0.009226:0.004704:0.008105:0.004704:0.010547:0.009226:0.005843:0.003835:0.008105:0.009226:0.006965:0.005843:0.006965:0.003835:0.004704:0.009226:0.006965:0.003835:0.009226:0.010547:0.008105:0.004704:0.004704:0.004704:0.009226:0.007327:0.009226:0.003835:0.003835
business including forex business, if any.:@0.575993:0.242951:0.880504:0.242951:0.880504:0.227668:0.575993:0.227668:0.009226:0.010547:0.006965:0.004704:0.010547:0.008105:0.006965:0.006965:0.003835:0.004704:0.010547:0.008105:0.004704:0.010547:0.009226:0.004704:0.010547:0.009226:0.003835:0.004704:0.009226:0.006965:0.007761:0.009226:0.003835:0.009226:0.010547:0.006965:0.004704:0.010547:0.008105:0.006965:0.006965:0.004704:0.003835:0.004704:0.007019:0.003835:0.009226:0.010023:0.006712:0.004704
:@0.541638:0.258233:0.559729:0.258233:0.559729:0.244868:0.541638:0.244868:0.018091
  Funding cost of deposits for advances taken.:@0.559729:0.258925:0.907622:0.258925:0.907622:0.243643:0.559729:0.243643:0.003835:0.012429:0.009226:0.010547:0.010547:0.009226:0.004704:0.010547:0.009226:0.003835:0.008105:0.009226:0.006965:0.005843:0.003835:0.009226:0.007019:0.003835:0.009226:0.008105:0.009226:0.009226:0.006965:0.004704:0.005843:0.006965:0.003835:0.004704:0.009226:0.006965:0.003835:0.009226:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965:0.003835:0.005843:0.009226:0.008684:0.008105:0.010547:0.004704
The income from advances is the interest or discount :@0.526242:0.290875:0.926944:0.290875:0.926944:0.275593:0.526242:0.275593:0.010547:0.010547:0.008105:0.003926:0.004704:0.010547:0.008105:0.009226:0.015070:0.008105:0.003926:0.004704:0.006965:0.009226:0.015070:0.003926:0.009226:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965:0.003926:0.004704:0.006965:0.003926:0.005843:0.010547:0.008105:0.003926:0.004704:0.010547:0.005843:0.008105:0.006965:0.008105:0.006965:0.005843:0.003926:0.009226:0.006965:0.003926:0.009226:0.004704:0.006965:0.008105:0.009226:0.010547:0.010547:0.005843:0.003835
earned in such accounts. The cost of deposits (also :@0.510865:0.306850:0.927143:0.306850:0.927143:0.291567:0.510865:0.291567:0.008430:0.009552:0.007743:0.010873:0.008430:0.009552:0.006296:0.005029:0.010873:0.006296:0.007291:0.010873:0.008430:0.010873:0.006296:0.009552:0.008430:0.008430:0.009552:0.010873:0.010873:0.006169:0.007291:0.005029:0.005572:0.010873:0.010873:0.008430:0.006296:0.008430:0.009552:0.007291:0.006169:0.006296:0.009552:0.007345:0.006296:0.009552:0.008430:0.009552:0.009552:0.007291:0.005029:0.006169:0.007291:0.006296:0.006169:0.009552:0.005029:0.007291:0.009226:0.003835
known as cost of funds) is the interest paid by the :@0.510865:0.322825:0.926799:0.322825:0.926799:0.307542:0.510865:0.307542:0.009588:0.010909:0.009245:0.014129:0.010909:0.006621:0.009588:0.007327:0.006621:0.008467:0.009588:0.007327:0.006205:0.006621:0.009588:0.007381:0.006621:0.005066:0.010909:0.010909:0.009588:0.007327:0.006205:0.006621:0.005066:0.007327:0.006621:0.006205:0.010909:0.008467:0.006621:0.005066:0.010909:0.006205:0.008467:0.007327:0.008467:0.007327:0.006205:0.006621:0.009588:0.009588:0.005066:0.009588:0.006621:0.009046:0.009588:0.006621:0.006205:0.010909:0.008105:0.003835
branch (or the bank) on its average deposit liabilities.:@0.510865:0.338800:0.906953:0.338800:0.906953:0.323517:0.510865:0.323517:0.009226:0.006802:0.009226:0.010547:0.008105:0.010547:0.003835:0.005843:0.009226:0.006965:0.003835:0.005843:0.010547:0.008105:0.003835:0.009226:0.009226:0.010547:0.009226:0.005843:0.003835:0.009226:0.010547:0.003835:0.004704:0.005843:0.006965:0.003835:0.008521:0.008521:0.008105:0.006802:0.009064:0.008883:0.008105:0.003835:0.009226:0.008105:0.009226:0.009226:0.006965:0.004704:0.005843:0.003835:0.004704:0.004704:0.008702:0.009226:0.004704:0.004704:0.004704:0.005843:0.004704:0.008105:0.006965:0.004704
For servicing all the products (facilities) availed of by :@0.526242:0.354775:0.926853:0.354775:0.926853:0.339492:0.526242:0.339492:0.008702:0.009226:0.006965:0.004052:0.006965:0.008105:0.007490:0.009226:0.004704:0.008105:0.004704:0.010547:0.009226:0.004052:0.009226:0.004704:0.004704:0.004052:0.005843:0.010547:0.008105:0.004052:0.009226:0.006965:0.009226:0.009226:0.010547:0.008105:0.005843:0.006965:0.004052:0.005843:0.004885:0.009226:0.008105:0.004704:0.004704:0.004704:0.005843:0.004704:0.008105:0.006965:0.005843:0.004052:0.008521:0.008883:0.009226:0.004704:0.004704:0.008105:0.009226:0.004052:0.009226:0.007019:0.004052:0.008684:0.009226:0.003835
the customer, operating costs are incurred. Operating :@0.510865:0.370749:0.926654:0.370749:0.926654:0.355467:0.510865:0.355467:0.005952:0.010656:0.008213:0.004722:0.008213:0.010656:0.007074:0.005952:0.009335:0.015178:0.008213:0.005644:0.004812:0.004722:0.009335:0.009335:0.008213:0.006911:0.009172:0.005952:0.004812:0.010656:0.009335:0.004722:0.008213:0.009335:0.007074:0.005952:0.007074:0.004722:0.009335:0.007074:0.008213:0.004722:0.004812:0.010656:0.008213:0.010656:0.007707:0.007074:0.008213:0.009335:0.004812:0.004722:0.011976:0.009335:0.008213:0.006911:0.009172:0.005952:0.004812:0.010656:0.009226:0.003835
costs are worked out by banks periodically, ideally once :@0.510865:0.386724:0.926962:0.386724:0.926962:0.371442:0.510865:0.371442:0.008105:0.009226:0.006965:0.005843:0.006965:0.003944:0.009226:0.006965:0.008105:0.003944:0.013062:0.009226:0.006965:0.008684:0.008105:0.009226:0.003944:0.009226:0.010547:0.005843:0.003944:0.008684:0.009226:0.003944:0.009226:0.009226:0.010547:0.009226:0.006965:0.003944:0.009226:0.008105:0.006965:0.004704:0.009226:0.009226:0.004704:0.008105:0.009226:0.004704:0.004179:0.006893:0.004704:0.003944:0.004704:0.009226:0.008105:0.009226:0.004704:0.004179:0.009226:0.003944:0.009226:0.010547:0.008105:0.008105:0.003835
every year. The total number of transactions under :@0.510865:0.402699:0.927124:0.402699:0.927124:0.387416:0.510865:0.387416:0.008412:0.008828:0.008412:0.007634:0.009534:0.006151:0.008828:0.008412:0.009534:0.005663:0.005011:0.005427:0.010855:0.010855:0.008412:0.006151:0.006151:0.009534:0.006151:0.009534:0.005011:0.006151:0.010692:0.010855:0.015377:0.009534:0.008412:0.007273:0.006151:0.009534:0.007327:0.006151:0.006151:0.007110:0.009534:0.010855:0.007273:0.009534:0.008412:0.006151:0.005011:0.009534:0.010855:0.007273:0.006151:0.010855:0.010855:0.009534:0.008412:0.006965:0.003835
each facility (product) multiplied by the transaction cost :@0.510865:0.418674:0.926799:0.418674:0.926799:0.403391:0.510865:0.403391:0.008014:0.009136:0.008014:0.010457:0.003166:0.004794:0.009136:0.008014:0.004613:0.004613:0.004613:0.005753:0.009136:0.003166:0.005753:0.009136:0.006875:0.009136:0.009136:0.010457:0.008014:0.005753:0.005753:0.003166:0.014817:0.010457:0.004613:0.005753:0.004613:0.009136:0.004613:0.004613:0.008014:0.009136:0.003166:0.008593:0.009136:0.003166:0.005753:0.010457:0.008014:0.003166:0.005753:0.006712:0.009136:0.010457:0.006875:0.009136:0.008014:0.005753:0.004613:0.009136:0.010457:0.003166:0.008014:0.009136:0.006875:0.005843:0.003835
will give the servicing (operating) costs for that facility :@0.510865:0.434649:0.926944:0.434649:0.926944:0.419366:0.510865:0.419366:0.013767:0.004704:0.004704:0.004704:0.004432:0.009226:0.004360:0.008521:0.008105:0.004432:0.005843:0.010547:0.008105:0.004432:0.006965:0.008105:0.007490:0.009226:0.004704:0.008105:0.004704:0.010547:0.009226:0.004432:0.005843:0.009226:0.009226:0.008105:0.006802:0.009064:0.005843:0.004704:0.010547:0.009226:0.005843:0.004432:0.008105:0.009226:0.006965:0.005843:0.006965:0.004432:0.004704:0.009226:0.006965:0.004432:0.005843:0.010547:0.009064:0.005843:0.004432:0.004885:0.009226:0.008105:0.004704:0.004704:0.004704:0.005843:0.009226:0.003835
(product). :@0.510865:0.450624:0.590231:0.450624:0.590231:0.435341:0.510865:0.435341:0.005843:0.009226:0.006965:0.009226:0.009226:0.010547:0.008105:0.005843:0.005843:0.004704:0.003835
Besides, the following additional data as regard to the :@0.526242:0.466598:0.926944:0.466598:0.926944:0.451316:0.526242:0.451316:0.010547:0.008105:0.006965:0.004704:0.009226:0.008105:0.006965:0.004704:0.003437:0.005843:0.010547:0.008105:0.003419:0.004704:0.009226:0.004704:0.004704:0.008883:0.013767:0.004704:0.010547:0.009226:0.003437:0.009226:0.009407:0.009226:0.004704:0.005843:0.004704:0.009226:0.010547:0.009226:0.004704:0.003437:0.009226:0.009064:0.005843:0.009226:0.003437:0.009226:0.006965:0.003419:0.006965:0.008105:0.008702:0.009226:0.006965:0.009226:0.003437:0.005843:0.009226:0.003437:0.005843:0.010547:0.008105:0.003835
i) Weekly average balances of deposit/advance :@0.557015:0.498548:0.927233:0.498548:0.927233:0.483266:0.557015:0.483266:0.004939:0.006079:0.005590:0.016517:0.008340:0.008340:0.009462:0.004414:0.009462:0.005590:0.008756:0.008756:0.008340:0.007037:0.009299:0.009118:0.008340:0.005590:0.009462:0.009462:0.004939:0.009462:0.010782:0.008340:0.008340:0.007200:0.005590:0.009462:0.007255:0.005590:0.009462:0.008340:0.009462:0.009462:0.007200:0.004939:0.006079:0.007200:0.009462:0.009118:0.009118:0.009462:0.010782:0.008340:0.008105:0.003835
accounts for a year;:@0.557015:0.514523:0.704730:0.514523:0.704730:0.499240:0.557015:0.499240:0.009226:0.008105:0.008105:0.009226:0.010547:0.010547:0.005843:0.006965:0.003835:0.004704:0.009226:0.006965:0.003835:0.009226:0.003835:0.008521:0.008105:0.009226:0.006965:0.004704
ii) Interest paid on deposits/received on advances :@0.557015:0.530498:0.926944:0.530498:0.926944:0.515215:0.557015:0.515215:0.004704:0.004704:0.005843:0.003673:0.005843:0.010547:0.005843:0.008105:0.006965:0.008105:0.006965:0.005843:0.003673:0.009226:0.009226:0.004704:0.009226:0.003673:0.009226:0.010547:0.003673:0.009226:0.008105:0.009226:0.009226:0.006965:0.004704:0.005843:0.006965:0.006965:0.006965:0.008105:0.008105:0.008105:0.004360:0.008521:0.008105:0.009226:0.003673:0.009226:0.010547:0.003673:0.009226:0.008883:0.008883:0.009226:0.010547:0.008105:0.008105:0.006965:0.003835
during a year;:@0.557015:0.546473:0.662650:0.546473:0.662650:0.531190:0.557015:0.531190:0.009226:0.010547:0.006965:0.004704:0.010547:0.009226:0.003835:0.009226:0.003835:0.008521:0.008105:0.009226:0.006965:0.004704
iii) Number of transactions of deposits/advances/:@0.557015:0.562448:0.923126:0.562448:0.923126:0.547165:0.557015:0.547165:0.004631:0.004631:0.004631:0.005771:0.003184:0.012736:0.010475:0.014998:0.009154:0.008032:0.006893:0.003184:0.009154:0.006947:0.003184:0.005771:0.006730:0.009154:0.010475:0.006893:0.009154:0.008032:0.005771:0.004631:0.009154:0.010475:0.006893:0.003184:0.009154:0.006947:0.003184:0.009154:0.008032:0.009154:0.009154:0.006893:0.004631:0.005771:0.006893:0.006893:0.009154:0.008810:0.008810:0.009154:0.010475:0.008032:0.008032:0.006893:0.006965
collections and other ancillary facilities accounts; :@0.557015:0.578422:0.927251:0.578422:0.927251:0.563140:0.557015:0.563140:0.008051:0.009172:0.004649:0.004649:0.008051:0.008051:0.005789:0.004649:0.009172:0.010493:0.006911:0.003202:0.009172:0.010493:0.009172:0.003202:0.009172:0.005789:0.010493:0.008051:0.006911:0.003202:0.009172:0.010493:0.008051:0.004649:0.004649:0.004649:0.009172:0.007273:0.009172:0.003202:0.004830:0.009172:0.008051:0.004649:0.004649:0.004649:0.005771:0.004649:0.008051:0.006911:0.003202:0.009172:0.008051:0.008051:0.009172:0.010493:0.010493:0.005789:0.006911:0.004704:0.003835
and:@0.557015:0.594397:0.586016:0.594397:0.586016:0.579115:0.557015:0.579115:0.009226:0.010547:0.009226
iv) Exchange/Commissions earned.:@0.557015:0.610372:0.821979:0.610372:0.821979:0.595089:0.557015:0.595089:0.004360:0.009226:0.005843:0.003835:0.009226:0.008937:0.008105:0.010547:0.009226:0.010547:0.008883:0.008105:0.006965:0.010547:0.009226:0.015070:0.015070:0.004704:0.006965:0.006965:0.004704:0.009226:0.010547:0.006965:0.003835:0.008105:0.009226:0.007417:0.010547:0.008105:0.009226:0.004704
Example of a Calculation of Customer Profitability of :@0.510855:0.643732:0.927608:0.643732:0.927608:0.625645:0.510855:0.625645:0.009853:0.008890:0.009645:0.014307:0.010249:0.004756:0.008909:0.004058:0.009871:0.006493:0.004058:0.009645:0.004058:0.010834:0.009645:0.004756:0.008380:0.010117:0.004756:0.009645:0.006625:0.004738:0.009871:0.010117:0.004058:0.009871:0.006493:0.004058:0.010834:0.010117:0.007833:0.006625:0.009871:0.014307:0.008909:0.006663:0.004058:0.010023:0.006380:0.009871:0.005426:0.005389:0.006625:0.009645:0.010249:0.004738:0.004756:0.004738:0.006625:0.009041:0.004058:0.009871:0.006531:0.004813
a Corporate Customer:@0.510855:0.659707:0.686033:0.659707:0.686033:0.641620:0.510855:0.641620:0.009745:0.004844:0.010942:0.009973:0.006743:0.010353:0.009973:0.006364:0.009745:0.006705:0.009004:0.004844:0.010942:0.010220:0.007921:0.006705:0.009973:0.014437:0.009004:0.006743
Modern Engineering Works Ltd. (MEWL) is a public :@0.526239:0.674271:0.926778:0.674271:0.926778:0.658989:0.526239:0.658989:0.015178:0.009335:0.009335:0.008213:0.007526:0.010656:0.004722:0.009335:0.010656:0.009335:0.004812:0.010656:0.008213:0.008213:0.007074:0.004812:0.010656:0.009335:0.004722:0.016391:0.009335:0.007074:0.009335:0.007074:0.004722:0.009335:0.005952:0.009335:0.004812:0.004722:0.005952:0.015178:0.009335:0.017639:0.009335:0.005952:0.004722:0.004812:0.007074:0.004722:0.009335:0.004722:0.009335:0.010656:0.009335:0.004812:0.004812:0.008105:0.003835
bank is its main banker. Modern bank has sanctioned a :@0.510862:0.738171:0.926904:0.738171:0.926904:0.722888:0.510862:0.722888:0.009226:0.009226:0.010547:0.009226:0.003673:0.004704:0.006965:0.003691:0.004704:0.005843:0.006965:0.003673:0.015070:0.009226:0.004704:0.010547:0.003691:0.009226:0.009226:0.010547:0.008684:0.008105:0.005355:0.004704:0.003691:0.015070:0.009226:0.009226:0.008105:0.007417:0.010547:0.003673:0.009226:0.009226:0.010547:0.009226:0.003673:0.010547:0.009226:0.006965:0.003691:0.006965:0.009226:0.010547:0.008105:0.005843:0.004704:0.009226:0.010547:0.008105:0.009226:0.003673:0.009226:0.003835
to be operated by the divisional offices of MEWL. The :@0.510862:0.786095:0.927067:0.786095:0.927067:0.770813:0.510862:0.770813:0.006006:0.009389:0.005047:0.009389:0.008268:0.005047:0.009389:0.009389:0.008268:0.006965:0.009226:0.006006:0.008268:0.009389:0.005047:0.008847:0.009389:0.005047:0.006006:0.010710:0.008268:0.005047:0.009389:0.004523:0.009389:0.004867:0.007128:0.004867:0.009389:0.010710:0.009389:0.004867:0.005047:0.009389:0.004867:0.004613:0.004776:0.008268:0.008268:0.007128:0.005047:0.009389:0.007182:0.005047:0.015233:0.009389:0.017693:0.009389:0.004867:0.004324:0.010710:0.010710:0.008105:0.003835
1.  :@0.510862:0.834020:0.533783:0.834020:0.533783:0.818737:0.510862:0.818737:0.010547:0.004704:0.003835:-0.283617
Purchase of Cheques and Bills drawn outside the :@0.557012:0.834020:0.926886:0.834020:0.926886:0.818737:0.557012:0.818737:0.010547:0.010547:0.006965:0.008105:0.010547:0.009226:0.006965:0.008105:0.003709:0.009226:0.007019:0.003709:0.010547:0.010547:0.008105:0.009226:0.010547:0.008105:0.006965:0.003709:0.009226:0.010547:0.009226:0.003709:0.010547:0.004704:0.004704:0.004704:0.006965:0.003709:0.009226:0.006802:0.008702:0.013767:0.010547:0.003709:0.009226:0.010547:0.005843:0.006965:0.004704:0.009226:0.008105:0.003709:0.005843:0.010547:0.008105:-0.676720
above metros tendered at the above branches. :@0.557012:0.849995:0.926687:0.849995:0.926687:0.834712:0.557012:0.834712:0.008991:0.009516:0.009046:0.008810:0.008394:0.006097:0.015359:0.008394:0.006133:0.007255:0.009516:0.007255:0.006097:0.006133:0.008394:0.010837:0.009516:0.008394:0.007255:0.008394:0.009516:0.006097:0.009353:0.006133:0.006097:0.006133:0.010837:0.008394:0.006097:0.008991:0.009516:0.009046:0.008810:0.008394:0.006097:0.009516:0.007092:0.009516:0.010837:0.008394:0.010837:0.008394:0.007255:0.004704:0.003835
Modern bank has sanctioned a limit of Rs75 :@0.557012:0.865970:0.926796:0.865970:0.926796:0.850687:0.557012:0.850687:0.015432:0.009588:0.009588:0.008467:0.007779:0.010909:0.006621:0.009588:0.009588:0.010909:0.009588:0.006621:0.010909:0.009588:0.007327:0.006621:0.007327:0.009588:0.010909:0.008467:0.006205:0.005066:0.009588:0.010909:0.008467:0.009588:0.006621:0.009588:0.006621:0.005066:0.005066:0.015432:0.005066:0.006205:0.006621:0.009588:0.007381:0.006621:0.012049:0.007327:0.010909:0.010547:0.003835
lakhs under this facility (product).  :@0.557012:0.881944:0.821071:0.881944:0.821071:0.866662:0.557012:0.866662:0.004704:0.009226:0.009226:0.010547:0.006965:0.003835:0.010547:0.010547:0.009226:0.008105:0.006965:0.003835:0.005843:0.010547:0.004704:0.006965:0.003835:0.004885:0.009226:0.008105:0.004704:0.004704:0.004704:0.005843:0.009226:0.003835:0.005843:0.009226:0.006965:0.009226:0.009226:0.010547:0.008105:0.005843:0.005843:0.004704:0.003835:0.003835
2.  :@0.510862:0.897919:0.533783:0.897919:0.533783:0.882637:0.510862:0.882637:0.010547:0.004704:0.003835:-0.370454
Collection account are maintained at cities C1, :@0.557012:0.897919:0.927067:0.897919:0.927067:0.882637:0.557012:0.882637:0.010728:0.009407:0.004885:0.004885:0.008286:0.008286:0.006024:0.004885:0.009407:0.010728:0.005174:0.009407:0.008286:0.008286:0.009407:0.010728:0.010728:0.006024:0.005174:0.009407:0.007146:0.008286:0.005174:0.015251:0.009407:0.004885:0.010728:0.006024:0.009407:0.004885:0.010728:0.008286:0.009407:0.005174:0.009245:0.006024:0.005174:0.008286:0.004885:0.006024:0.004885:0.008286:0.007146:0.005174:0.010728:0.010728:0.004704:-0.763738
C2, C3 and C4 from where balances in thousands :@0.557012:0.913894:0.926814:0.913894:0.926814:0.898612:0.557012:0.898612:0.010529:0.010547:0.004686:0.003256:0.010547:0.010529:0.003256:0.009226:0.010529:0.009208:0.003256:0.010529:0.010529:0.003256:0.004686:0.006947:0.009226:0.015052:0.003256:0.013243:0.010529:0.008087:0.006965:0.008087:0.003256:0.009226:0.009208:0.004704:0.009208:0.010529:0.008105:0.008087:0.006947:0.003256:0.004704:0.010529:0.003256:0.005825:0.010529:0.009226:0.010529:0.006947:0.009226:0.010529:0.009208:0.006965:0.003835