STATE BANK OF INDIA AND ITS ASSOCIATES

(Amount in Rs. lakh)

For the year ended 31st March

State Bank of

State Bank of

State Bank of

State Bank of

Items

India

Bikaner and Jaipur

Hyderabad

Indore

1997

1998

1997

1998

1997

1998

1997

1998

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

Income

I.

Interest Earned

1495066

1587889

73654

85083

95548

103455

37822

40732

a)

Interest/discount on advances/bills

813747

782912

41728

45702

59995

56790

23672

23418

b)

Income on Investments

552151

639162

25226

33124

29914

42126

12361

15752

c)

Interest on balances with

72180

63155

4569

2436

3678

3458

1597

1328

RBI and other inter-bank funds

d)

Others

56988

102660

2131

3821

1961

1081

192

233

II.

Other income

264307

282017

12822

16265

14624

17029

5260

7259

a)

Commission, exchange and brokerage

180485

203777

10834

12378

10716

12656

4756

5133

b)

Net Profit on sale of investments

2586

11557

-72

1193

86

646

7

1084

c)

Net Profit on sale of land,

35

107

-6

2

6

11

4

4

building & other assets

d)

Net Profit on exchange transaction

69910

50550

2066

2692

3815

3717

492

615

e)

Miscellaneous income

11291

16026

-

-

-

-

-

423

Total (I+II)

1759373

1869906

86476

101348

110172

120485

43082

47991

Expenditure & Provisions

III.

Interest expended

959143

1047321

46580

53690

60739

65072

22933

24923

a)

Interest on deposits

830082

958624

43629

50592

57427

61040

21955

24002

b)

Interest on RBI/inter-bank borrowings

48163

48124

49

251

1028

1311

57

26

c)

Others

80898

40572

2902

2847

2284

2721

920

895

IV.

Operating expenses

460467

472089

24204

28067

26498

26787

12402

13970

a)

Payments to and provisions for employees

332293

355775

18527

21460

17912

19610

8534

9543

b)

Rent, taxes and lighting

30308

34482

1673

1727

1773

2132

896

984

c)

Printing and stationery

7546

8458

426

476

587

747

174

205

d)

Advertisement and publicity

1172

1502

62

129

82

106

19

20

e)

Depreciation on Bank's property

9733

16407

489

606

751

1091

288

330

f)

Directors' fees, allowances and expenses

62

67

5

8

12

10

4

7

g)

Auditors' fees and expenses

1384

1676

109

141

126

158

55

77

h)

Law charges

1625

1168

47

54

74

82

34

39

i)

Postage, telegrams, telephones, etc.

5453

6197

475

588

402

450

273

315

j)

Repairs and maintenance

3738

4127

149

176

229

257

97

111

k)

Insurance

26558

6015

276

333

1731

-66

136

149

l)

Other expenditure

40594

36215

1966

2370

2817

2211

1888

2192

V.

Provisions and contingencies

204838

164376

11645

10544

17690

18914

6041

6325

Total expenses*

1419610

1519410

70784

81757

87237

91859

35334

38894

VI.

Profit

134925

186120

4048

9048

5245

9712

1706

2771

Total (III+IV+V+VI)

1759373

1869906

86476

101348

110172

120485

43082

47991

(Amount in Rs. lakh)

For the year ended 31st March

State Bank of

State Bank of

State Bank of

State Bank of

Items

Mysore

Patiala

Saurashtra

Travancore

1997

1998

1997

1998

1997

1998

1997

1998

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

Income

I.

Interest Earned

59979

61256

90761

94010

48601

50284

90873

98176

a)

Interest/discount on advances/bills

38209

36206

53647

51998

29210

28614

59979

55336

b)

Income on Investments

19459

22935

31587

34625

16941

19463

26931

37154

c)

Interest on balances with

1813

1374

4728

4972

1728

1695

2075

1851

RBI and other inter-bank funds

d)

Others

497

741

799

2415

722

511

1887

3834

II.

Other income

8725

9653

9214

9799

8009

9328

12419

14875

a)

Commission, exchange and brokerage

6387

6910

7401

8265

5910

6329

8775

9303

b)

Net Profit on sale of investments

498

347

-3

-150

414

1319

67

1422

c)

Net Profit on sale of land,

5

2

10

2

2

3

5

2

building & other assets

d)

Net Profit on exchange transaction

1468

1274

1803

1524

1332

1287

3247

3419

e)

Miscellaneous income

368

1120

3

158

350

390

324

730

Total (I+II)

68704

70909

99975

103809

56610

59611

103291

   113051

Expenditure & Provisions

III.

Interest expended

36985

38127

58641

58552

30792

31373

66132

71357

a)

Interest on deposits

36009

36216

57711

57866

29104

29881

60426

65911

b)

Interest on RBI/inter-bank borrowings

155

226

539

504

62

187

1820

2153

c)

Others

822

1685

391

182

1626

1305

3886

3293

IV.

Operating expenses

18724

20116

21701

24436

13862

16294

22102

21702

a)

Payments to and provisions for employees

14229

15447

16472

18074

10634

12470

16707

15154

b)

Rent, taxes and lighting

1228

1330

1444

1653

944

1063

1376

1593

c)

Printing and stationery

250

301

316

348

223

236

326

466

d)

Advertisement and publicity

26

23

59

66

25

33

51

60

e)

Depreciation on Bank's property

470

598

574

676

363

399

716

797

f)

Directors' fees, allowances and expenses

7

6

8

7

5

6

13

5

g)

Auditors' fees and expenses

129

102

102

130

67

89

89

123

h)

Law charges

24

30

58

55

49

216

18

10

i)

Postage, telegrams, telephones, etc.

171

154

447

483

203

271

366

359

j)

Repairs and maintenance

208

133

170

216

151

224

157

231

k)

Insurance

16

15

17

345

161

168

422

347

l)

Other expenditure

1965

1977

2033

2385

1037

1119

1860

2556

V.

Provisions and contingencies

8971

7613

13731

6520

4843

4131

11033

13662

Total expenses*

55709

58243

80342

82988

44654

47667

88234

93059

VI.

Profit

4024

5054

5903

14301

7113

7813

4025

6330

Total (III+IV+V+VI)

68704

70909

99975

103809

56610

59611

103291

113051

NATIONALISED BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Allahabad

Andhra

Bank of

Bank of

Items

Bank

Bank

Baroda

India

1997

1998

1997

1998

1997

1998

1997

1998

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

Income

I.

Interest Earned

127822

140453

78725

91608

376175

417091

351339

393580

a)

Interest/discount on advances/bills

68609

67092

38335

40714

223651

223486

223389

246108

b)

Income on Investments

51465

66431

34572

44558

114912

151010

109606

126367

c)

Interest on balances with

5771

6621

5793

6308

32413

40793

14129

17422

RBI and other inter-bank funds

d)

Others

1977

309

25

28

5199

1802

4215

3683

II.

Other income

18096

22035

9838

11642

45864

54329

49016

57995

a)

Commission, exchange and brokerage

12435

13376

5168

6011

24423

23540

25477

27160

b)

Net Profit on sale of investments

395

2207

17

200

1396

6903

1062

5599

c)

Net Profit on sale of land,

-

12

15

21

68

32

1

3153

building & other assets

d)

Net Profit on exchange transaction

2909

2735

1185

1326

8545

13594

7372

10979

e)

Miscellaneous income

2358

3706

3453

4083

11433

10260

15104

11104

Total (I+II)

145918

162489

88562

103250

422039

471420

400356

451575

Expenditure & Provisions

III.

Interest expended

87670

97651

54108

60532

255181

283752

237325

265111

a)

Interest on deposits

85172

95902

51905

57523

237424

267565

223057

246870

b)

Interest on RBI/inter-bank borrowings

137

2

2187

3006

2083

4374

14085

18231

c)

Others

2361

1747

16

3

15673

11813

183

10

IV.

Operating expenses

39822

42089

25699

27193

89215

107063

105081

116746

a)

Payments to and provisions for employees

26377

27290

18618

19832

60595

73856

71426

77045

b)

Rent, taxes and lighting

3992

3626

1250

1305

7674

8501

7657

10464

c)

Printing and stationery

583

696

454

511

1968

2022

1698

1991

d)

Advertisement and publicity

112

171

57

96

321

576

411

584

e)

Depreciation on Bank's property

990

1153

741

871

3197

3547

4759

6651

f)

Directors' fees, allowances and expenses

0

0

7

15

30

32

7

10

g)

Auditors' fees and expenses

119

158

109

161

599

671

484

699

h)

Law charges

220

326

62

103

1125

1130

2764

1477

i)

Postage, telegrams, telephones, etc.

680

903

322

384

1193

1164

771

896

j)

Repairs and maintenance

400

551

444

532

1791

2022

1358

1621

k)

Insurance

2784

3096

1072

391

2044

1905

1528

1691

l)

Other expenditure

3564

4119

2564

2991

8679

11637

12219

13616

V.

Provisions and contingencies

11996

9828

5185

8001

49990

34732

21948

33267

Total expenses*

127492

139740

79807

87724

344396

390816

342406

381856

VI.

Profit

6430

12921

3570

7525

27653

45873

36002

36451

Total (III+IV+V+VI)

145918

162489

88562

103250

422039

471420

400356

451575

(Amount in Rs. lakh)

For the year ended 31st March

Bank of

Canara

Central Bank

Corporation

Items

Maharashtra

Bank

of India

Bank

1997

1998

1997

1998

1997

1998

1997

1998

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

Income

I.

Interest Earned

85786

99101

341380

382303

253092

284226

82811

102753

a)

Interest/discount on advances/bills

40379

43882

197175

201482

128886

124700

40217

42734

b)

Income on Investments

41774

51351

122014

152561

108884

148116

36554

52219

c)

Interest on balances with

3478

3577

21498

25839

11401

9258

3978

4814

RBI and other inter-bank funds

d)

Others

155

290

692

2420

3922

2152

2061

2987

II.

Other income

7997

9308

45502

60771

30486

34212

11161

14410

a)

Commission, exchange and brokerage

6345

6786

24629

25388

19902

20445

7329

9524

b)

Net Profit on sale of investments

61

683

2245

10025

5494

7638

202

64

c)

Net Profit on sale of land,

8

9

49

36

30

16

7

10

building & other assets

d)

Net Profit on exchange transaction

1410

1604

8092

9146

3516

4425

1328

2222

e)