Balance Sheet 2 Operating Expenses 2010
DBS Annual Report 2009 - 2010 l
11
2010 2009 2010 vs 2009
- -
INR M INR M
INR M contribution
contribution contribution
Cash and Cash Equivalent 5,369 3.4
3,260 2.6
2,109 64.7
Bank Placement 6,060
3.8 13,093
10.4 7,033
-53.7 Marketable securities
100,863 63.6
78,107 62.2
22,756 29.1
Loan and Advances 40,512
25.5 27,423
21.8 13,089
47.7 Other Assets
6,120 3.9
3,958 3.2
2,162 54.6
Allowances for Possible 360
-0.2 195
-0.2 165
Losses on Productive Assets Total Asset
158,564 100.0
125,646 100.0
32,918 26.2
Deposits from Customer 66,371 41.9
32,449 25.8
33,922 104.5
Interbank Deposits 16,756
10.6 27,780
22.1 11,024
-39.7 Borrowing
33,210 20.9
24,971 19.9
8,240 33.0
from BanksRBICCIL Other Liability including 42,227
26.6 40,447
32.2 1,781
4.4 capital and Reserves
Total Liabilities 158,564
100.0 125,646
100.0 32,918
26.2
As at 31st March 2010, DBS Indias Balance Sheet size stood at INR 159 Billion, a growth of 26 from the previous year. There was a commensurate increase in the productive interest earning assets of the Bank. The
loan book grew by 48 predominantly through surge in the trade financing term loan portfolio. The Bank continued to hold a major portion of its assets in the form of risk-free Government Securities and
inter-bank deposits including tradeable Certificates of Deposits. During the year, as a result of conscious efforts to broad base its sources of funds, there was a significant
increase in the volume of customer deposits which doubled to INR 66 billion from INR 32 billion in the previous year. The share of interbank term deposits has correspondingly reduced. With the introduction of additional
facilities for its Treasures customers, the Bank expects to increase the volume of low cost deposits going forward.
The Banks owned funds, in the form of Capital Reserves, along with subordinated debt from Head Office stood at INR 42 billion, and financed 24 of the Balance Sheet as against 29 in March 2009.