OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Benares State

Bharat Overseas

Catholic Syrian

Centurion Bank

Items

Bank

Bank

Bank

1997

1998

1997

1998

1997

1998

1997

1998

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

Income

I.

Interest Earned

6287

7844

9353

12561

21634

23869

10420

17264

a)

Interest/discount on advances/bills

2727

3361

6666

6121

15458

15872

8120

11309

b)

Income on Investments

2938

4170

2236

4324

5626

7310

1829

5140

c)

Interest on balances with

622

313

452

2116

461

627

117

765

RBI and other inter-bank funds

d)

Others

-

-

-

-

89

59

354

49

II.

Other income

1374

1424

1036

1393

1978

3041

975

3140

a)

Commission, exchange and brokerage

217

292

486

554

643

628

462

679

b)

Net Profit on sale of investments

277

167

1

94

173

1396

155

1352

c)

Net Profit on sale of land,

-

-

4

1

8

1

-

-

building & other assets

d)

Net Profit on exchange transaction

126

204

506

617

165

507

-

379

e)

Miscellaneous income

753

760

38

127

990

510

358

731

Total (I+II)

7661

9268

10389

13953

23612

26910

11395

20404

Expenditure & Provisions

III.

Interest expended

4726

5898

6380

9301

16493

18948

6816

13231

a)

Interest on deposits

4706

5818

6130

8963

15757

18216

5794

12461

b)

Interest on RBI/inter-bank borrowings

15

78

99

188

170

64

990

681

c)

Others

6

2

150

150

566

669

32

89

IV.

Operating expenses

2265

2539

2270

2660

5719

6030

1860

3340

a)

Payments to and provisions for employees

1528

1732

1159

1381

3590

3913

238

402

b)

Rent, taxes and lighting

170

243

399

494

481

549

409

574

c)

Printing and stationery

31

61

43

46

154

145

49

88

d)

Advertisement and publicity

14

7

81

62

55

22

56

131

e)

Depreciation on Bank's property

95

124

110

124

735

518

375

-

f)

Directors' fees, allowances and expenses

6

13

4

7

14

10

1

1

g)

Auditors' fees and expenses

15

18

7

7

8

9

4

5

h)

Law charges

19

7

8

19

7

9

1

11

i)

Postage, telegrams, telephones, etc.

46

57

70

70

152

155

73

98

j)

Repairs and maintenance

32

18

21

35

30

33

103

109

k)

Insurance

50

87

34

58

80

96

20

51

l)

Other expenditure

259

172

335

357

412

571

531

1871

V.

Provisions and contingencies

524

731

708

881

1000

1222

1165

1826

Total expenses*

6992

8436

8650

11961

22212

24978

8676

16571

VI.

Profit

145

100

1032

1112

400

709

1554

2007

Total (III+IV+V+VI)

7661

9268

10389

13953

23612

26910

11395

20404

(Amount in Rs. lakh)

For the year ended 31st March

City Union

Development Credit

Dhanalakshmi

Federal Bank

Items

Bank

Bank

Bank

1997

1998

1997

1998

1997

1998

1997

1998

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

Income

I.

Interest Earned

9850

12123

12736

15067

12466

13353

58750

70158

a)

Interest/discount on advances/bills

7338

8453

8755

9644

8609

8668

38448

42766

b)

Income on Investments

2179

2696

3719

5042

3023

4191

15057

23901

c)

Interest on balances with

151

196

262

380

827

494

4583

3105

RBI and other inter-bank funds

d)

Others

182

778

-

-

6

1

661

385

II.

Other income

1819

2114

2470

5834

1235

1459

7148

9254

a)

Commission, exchange and brokerage

948

990

618

691

900

1092

2147

2696

b)

Net Profit on sale of investments

2

66

653

3719

136

208

639

3310

c)

Net Profit on sale of land,

2

1

40

-

1

1

7

-67

building & other assets

d)

Net Profit on exchange transaction

389

511

65

302

-

9

1285

1076

e)

Miscellaneous income

479

546

1095

1122

198

150

3070

2240

Total (I+II)

11669

14237

15206

20900

13700

14812

65898

79412

Expenditure & Provisions

III.

Interest expended

7243

9726

8058

11477

9620

10128

47208

56372

a)

Interest on deposits

6680

9281

7956

10961

8905

9260

45584

53563

b)

Interest on RBI/inter-bank borrowings

238

142

102

382

188

299

352

1074

c)

Others

325

304

-

134

527

570

1273

1735

IV.

Operating expenses

2060

2375

3989

4352

2433

2791

11277

13766

a)

Payments to and provisions for employees

1223

1431

1828

2042

1485

1689

6740

7890

b)

Rent, taxes and lighting

106

126

217

244

231

370

652

897

c)

Printing and stationery

74

67

118

91

70

76

182

214

d)

Advertisement and publicity

39

53

79

77

73

55

124

180

e)

Depreciation on Bank's property

224

248

1000

1019

139

186

1905

1876

f)

Directors' fees, allowances and expenses

1

2

18

21

1

9

19

8

g)

Auditors' fees and expenses

3

3

9

15

3

4

56

59

h)

Law charges

-

1

60

109

60

4

16

16

i)

Postage, telegrams, telephones, etc.

80

85

62

83

68

61

166

185

j)

Repairs and maintenance

23

24

69

92

27

48

186

289

k)

Insurance

41

58

46

45

35

43

192

234

l)

Other expenditure

245

276

485

514

241

245

1040

1918

V.

Provisions and contingencies

1256

991

904

2069

856

1052

2789

4246

Total expenses*

9302

12101

12047

15829

12053

12920

58485

70138

VI.

Profit

1111

1145

2255

3002

791

840

4623

5028

Total (III+IV+V+VI)

11669

14237

15206

20900

13700

14812

65898

79412

(Amount in Rs. lakh)

For the year ended 31st March

Items

Ganesh Bank of

Global Trust

HDFC

ICICI

Kurundwad

Bank

Bank

Bank

1997

1998

1997

1998

1997

1998

1997

1998

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

Income

I.

Interest Earned

850

1105

35683

39408

16174

24080

18268

25970

a)

Interest/discount on advances/bills

638

831

28519

26938

9209

11767

13406

14325

b)

Income on Investments

195

246

6847

11673

6195

10391

4228

8073

c)

Interest on balances with

-

12

199

728

713

1861

287

3214

RBI and other inter-bank funds

d)

Others

17

17

118

68

57

61

348

357

II.

Other income

67

91

9014

12704

3159

6201

4262

8505

a)

Commission, exchange and brokerage

27

39

4542

3975

2099

3047

1485

2517

b)

Net Profit on sale of investments

-1

-

938

4032

454

2097

1316

3524

c)

Net Profit on sale of land,

-

-

-

-

-

-10

-4

-4

building & other assets

d)

Net Profit on exchange transaction

-

-

1682

2296

604

1067

860

1711

e)

Miscellaneous income

41

52

1852

2401

2

-

604

757

Total (I+II)

918

1197

44697

52112

19333

30281

22530

34475

Expenditure & Provisions

III.

Interest expended

591

839

28976

32279

8718

13755

11709

18668

a)

Interest on deposits

542

775

25126

30276

7111

10397

9717

16195

b)

Interest on RBI/inter-bank borrowings

49

65

3583

1376

1607

3163

540

1010

c)

Others

-

-

267

627

-

195

1451

1463

IV.

Operating expenses

216

275

5335

7127

4218

6271

4049

5761

a)

Payments to and provisions for employees

122

142

626

889

1019

1485

617

1227

b)

Rent, taxes and lighting

9

33

694

878

978

1108

488

771

c)

Printing and stationery

8

9

122

213

266

328

120

295

d)

Advertisement and publicity

1

1

180

464

231

339

81

205

e)

Depreciation on Bank's property

21

46

1959

2706

628

1069

824

1447

f)

Directors' fees, allowances and expenses

1

1

3

10

1

2

2

5

g)

Auditors' fees and expenses

-

-

15

17

8

8

7

11

h)

Law charges

2

3

41

32

5

1

37

33

i)

Postage, telegrams, telephones, etc.

7

11

266

249

333

599

126

215

j)

Repairs and maintenance

1

1

138

264

238

468

252

420

k)

Insurance

4

5

161

271

62

91

66

114

l)

Other expenditure

40

23

1130

1134

449

773

1428

1017

V.

Provisions and contingencies

84

74

4646

4692

2347

3940

2760

5024

Total expenses*

807

1114

34311

39406

12936

20026

15758

24429

VI.

Profit

26

8

5740

8013

4050

6315

4013

5022

Total (III+IV+V+VI)

918

1197

44697

52112

19333

30281

22530

34475

(Amount in Rs. lakh)

For the year ended 31st March

IDBI

Induslnd

Jammu & Kashmir

Karnataka

Items

Bank

Bank

Bank

Bank

1997

1998

1997

1998

1997

1998

1997

1998

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

Income

I.

Interest Earned

4388

14925

40930

55104

39958

53057

33567

42992

a)

Interest/discount on advances/bills

2875

8815

30191

34332

21557

25887

21990

25691

b)

Income on Investments

1151

5731

10069

19127

15647

24851

10003

16086

c)

Interest on balances with

359

307

670

1420

2754

2319

1322

1034

RBI and other inter-bank funds

d)

Others

3

72

-

225

-

-

252

181

II.

Other income

605

1763

8187

15483

2974

5749

3661

4786

a)

Commission, exchange and brokerage

397

885

3149

3563

1136

1344

2099

2514

b)

Net Profit on sale of investments

147

297

1111

8493

252

1953

356

850

c)

Net Profit on sale of land,

-

-

-13

-4

-

-

3

5

building & other assets

d)

Net Profit on exchange transaction

36

498

1097

1034

357

500

648

827

e)

Miscellaneous income

25

84

2843

2397

1228

1952