Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 4 of 7) - আৰবিআই - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 4 of 7)
OTHER SCHEDULED COMMERCIAL BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
||||||||||
Karur Vysya |
Lakshmi Vilas |
Lord Krishna |
Nainital |
|||||||
Items |
Bank |
Bank |
Bank |
Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
Income |
||||||||||
I. |
Interest Earned |
22031 |
26688 |
14603 |
15499 |
8005 |
10083 |
3016 |
3608 |
|
a) |
Interest/discount on advances/bills |
15032 |
16239 |
9203 |
9611 |
6129 |
6810 |
1131 |
1159 |
|
b) |
Income on Investments |
6331 |
9508 |
4737 |
5262 |
1690 |
2832 |
1191 |
1389 |
|
c) |
Interest on balances with |
579 |
901 |
469 |
385 |
150 |
304 |
683 |
1044 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
89 |
40 |
195 |
241 |
37 |
137 |
12 |
16 |
|
II. |
Other income |
3296 |
6557 |
2754 |
3488 |
1084 |
1337 |
141 |
162 |
|
a) |
Commission, exchange and brokerage |
2139 |
2795 |
1988 |
2186 |
632 |
605 |
105 |
124 |
|
b) |
Net Profit on sale of investments |
-285 |
2771 |
34 |
502 |
- |
60 |
2 |
1 |
|
c) |
Net Profit on sale of land, |
4 |
2 |
3 |
2 |
2 |
1 |
- |
- |
|
building & other assets |
||||||||||
d) |
Net Profit on exchange transaction |
317 |
517 |
220 |
391 |
- |
- |
- |
- |
|
e) |
Miscellaneous income |
1120 |
472 |
510 |
407 |
450 |
671 |
34 |
36 |
|
Total (I+II) |
25327 |
33244 |
17357 |
18988 |
9089 |
11420 |
3158 |
3770 |
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Expenditure & Provisions |
||||||||||
III. |
Interest expended |
14345 |
18404 |
10472 |
11329 |
6229 |
8369 |
1797 |
2247 |
|
a) |
Interest on deposits |
13034 |
17335 |
9589 |
10568 |
5710 |
7431 |
1793 |
2240 |
|
b) |
Interest on RBI/inter-bank borrowings |
795 |
509 |
137 |
110 |
9 |
54 |
1 |
6 |
|
c) |
Others |
515 |
559 |
746 |
650 |
511 |
885 |
4 |
2 |
|
IV. |
Operating expenses |
5170 |
6526 |
4618 |
4866 |
1261 |
1780 |
922 |
998 |
|
a) |
Payments to and provisions for employees |
2823 |
3770 |
2553 |
2624 |
611 |
780 |
657 |
719 |
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b) |
Rent, taxes and lighting |
232 |
312 |
243 |
344 |
119 |
234 |
77 |
87 |
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c) |
Printing and stationery |
110 |
126 |
78 |
87 |
20 |
21 |
17 |
17 |
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d) |
Advertisement and publicity |
199 |
184 |
64 |
47 |
45 |
41 |
4 |
3 |
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e) |
Depreciation on Bank's property |
1088 |
1182 |
707 |
751 |
189 |
393 |
17 |
16 |
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f) |
Directors' fees, allowances and expenses |
9 |
11 |
1 |
1 |
3 |
4 |
2 |
2 |
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g) |
Auditors' fees and expenses |
6 |
11 |
6 |
6 |
2 |
2 |
3 |
5 |
|
h) |
Law charges |
2 |
3 |
4 |
5 |
1 |
1 |
18 |
7 |
|
i) |
Postage, telegrams, telephones, etc. |
213 |
267 |
133 |
167 |
35 |
40 |
16 |
23 |
|
j) |
Repairs and maintenance |
78 |
94 |
27 |
21 |
13 |
18 |
6 |
7 |
|
k) |
Insurance |
68 |
109 |
54 |
63 |
28 |
36 |
41 |
16 |
|
l) |
Other expenditure |
342 |
457 |
748 |
749 |
197 |
209 |
67 |
97 |
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V. |
Provisions and contingencies |
2207 |
3960 |
402 |
634 |
1042 |
865 |
365 |
366 |
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Total expenses* |
19514 |
24930 |
15089 |
16194 |
7490 |
10150 |
2720 |
3246 |
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VI. |
Profit |
3606 |
4354 |
1865 |
2159 |
557 |
405 |
73 |
158 |
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Total (III+IV+V+VI) |
25327 |
33244 |
17357 |
18988 |
9089 |
11420 |
3158 |
3770 |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
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Items |
Nedungadi |
Ratnakar |
Sangli |
SBI Commercial & |
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Bank |
Bank |
Bank |
Intl. Bank |
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1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
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|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
Income |
||||||||||
I. |
Interest Earned |
7334 |
10220 |
2766 |
3303 |
9648 |
11072 |
4111 |
5349 |
|
a) |
Interest/discount on advances/bills |
5097 |
6787 |
1738 |
2107 |
5098 |
4717 |
2527 |
2811 |
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b) |
Income on Investments |
1925 |
3236 |
910 |
1082 |
3713 |
5238 |
1112 |
1449 |
|
c) |
Interest on balances with |
302 |
197 |
88 |
115 |
747 |
990 |
347 |
700 |
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RBI and other inter-bank funds |
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d) |
Others |
9 |
- |
29 |
- |
91 |
127 |
125 |
389 |
|
II. |
Other income |
1055 |
1661 |
217 |
358 |
1387 |
2514 |
466 |
1274 |
|
; | a) |
Commission, exchange and brokerage |
596 |
638 |
130 |
143 |
643 |
646 |
260 |
407 |
b) |
Net Profit on sale of investments |
- |
379 |
14 |
142 |
258 |
1437 |
56 |
449 |
|
c) |
Net Profit on sale of land, |
- |
1 |
- |
1 |
- |
- |
1 |
- |
|
building & other assets |
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d) |
Net Profit on exchange transaction |
177 |
299 |
- |
- |
226 |
197 |
75 |
281 |
|
e) |
Miscellaneous income |
281 |
344 |
74 |
71 |
260 |
234 |
75 |
137 |
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Total (I+II) |
8389 |
11881 |
2984 |
3661 |
11035 |
13586 |
4577 |
6623 |
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Expenditure & Provisions |
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III. |
Interest expended |
4961 |
7210 |
1817 |
2249 |
6545 |
7158 |
3552 |
4584 |
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a) |
Interest on deposits |
4799 |
6838 |
1604 |
2045 |
6316 |
7039 |
3103 |
3714 |
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b) |
Interest on RBI/inter-bank borrowings |
2 |
25 |
127 |
108 |
171 |
93 |
229 |
530 |
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c) |
Others |
160 |
347 |
86 |
96 |
57 |
27 |
220 |
340 |
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IV. |
Operating expenses |
2473 |
2852 |
898 |
952 |
3380 |
3573 |
559 |
600 |
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a) |
Payments to and provisions for employees |
1733 |
1912 |
641 |
627 |
2592 |
2751 |
158 |
182 |
|
b) |
Rent, taxes and lighting |
140 |
175 |
77 |
96 |
243 |
261 |
78 |
80 |
|
c) |
Printing and stationery |
42 |
52 |
17 |
22 |
43 |
36 |
15 |
15 |
|
d) |
Advertisement and publicity |
20 |
42 |
3 |
4 |
3 |
3 |
3 |
6 |
|
e) |
Depreciation on Bank's property |
200 |
90 |
52 |
69 |
112 |
129 |
94 |
98 |
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f) |
Directors' fees, allowances and expenses |
3 |
9 |
1 |
1 |
1 |
1 |
9 |
8 |
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g) |
Auditors' fees and expenses |
5 |
6 |
2 |
4 |
5 |
5 |
1 |
2 |
|
h) |
Law charges |
3 |
2 |
2 |
2 |
3 |
4 |
47 |
60 |
|
i) |
Postage, telegrams, telephones, etc. |
21 |
30 |
21 |
24 |
38 |
49 |
9 |
- |
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j) |
Repairs and maintenance |
- |
2 |
4 |
5 |
21 |
31 |
18 |
19 |
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k) |
Insurance |
26 |
36 |
12 |
13 |
44 |
50 |
28 |
37 |
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l) |
Other expenditure |
279 |
496 |
66 |
84 |
276 |
254 |
100 |
93 |
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V. |
Provisions and contingencies |
532 |
1094 |
80 |
160 |
606 |
2451 |
-40 |
26 |
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Total expenses* |
7435 |
10061 |
2715 |
3201 |
9924 |
10732 |
4111 |
5184 |
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VI. |
Profit |
422 |
726 |
188 |
300 |
504 |
402 |
506 |
1412 |
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Total (III+IV+V+VI) |
8389 |
11881 |
2984 |
3661 |
11035 |
13586 |
4577 |
6623 |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
||||||||||
South Indian |
Tamilnad Mercantile |
Times |
United Western |
|||||||
Items |
Bank |
Bank |
Bank |
Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
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|
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
(63) |
(64) |
Income |
||||||||||
I. |
Interest Earned |
27942 |
33869 |
17915 |
20768 |
14416 |
21395 |
23204 |
25942 |
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a) |
Interest/discount on advances/bills |
18491 |
20428 |
12285 |
12167 |
11436 |
12746 |
15147 |
16224 |
|
b) |
Income on Investments |
8599 |
12592 |
5094 |
8036 |
2856 |
8042 |
7090 |
8713 |
|
c) |
Interest on balances with |
852 |
849 |
511 |
518 |
125 |
564 |
788 |
982 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
25 |
47 |
- |
44 |
178 |
24 |
|
II. |
Other income |
2212 |
2604 |
3706 |
3900 |
1685 |
4533 |
5713 |
7515 |
|
a) |
Commission, exchange and brokerage |
1264 |
1179 |
2128 |
2245 |
1085 |
1465 |
2240 |
2093 |
|
b) |
Net Profit on sale of investments |
17 |
188 |
21 |
121 |
200 |
2553 |
884 |
2949 |
|
c) |
Net Profit on sale of land, |
10 |
8 |
9 |
5 |
- |
-1 |
-1 |
1 |
|
building & other assets |
||||||||||
d) |
Net Profit on exchange transaction |
447 |
514 |
721 |
731 |
397 |
499 |
750 |
692 |
|
e) |
Miscellaneous income |
474 |
715 |
826 |
798 |
2 |
27 |
1840 |
1781 |
|
Total (I+II) |
30154 |
36473 |
21621 |
24667 |
16101 |
25928 |
28917 |
33457 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
21542 |
26145 |
10775 |
13696 |
10491 |
17721 |
16720 |
18865 |
|
a) |
Interest on deposits |
20085 |
24901 |
9803 |
12859 |
8091 |
16573 |
15781 |
17957 |
|
b) |
Interest on RBI/inter-bank borrowings |
264 |
98 |
77 |
27 |
993 |
608 |
938 |
908 |
|
c) |
Others |
1193 |
1146 |
895 |
811 |
1407 |
540 |
- |
- |
|
IV. |
Operating expenses |
6424 |
7337 |
4417 |
4582 |
2700 |
4345 |
6351 |
6661 |
|
a) |
Payments to and provisions for employees |
4705 |
5396 |
2413 |
2646 |
656 |
1169 |
4103 |
4222 |
|
b) |
Rent, taxes and lighting |
527 |
603 |
321 |
365 |
418 |
649 |
368 |
484 |
|
c) |
Printing and stationery |
161 |
167 |
182 |
146 |
128 |
282 |
45 |
152 |
|
d) |
Advertisement and publicity |
44 |
33 |
153 |
94 |
224 |
183 |
38 |
28 |
|
e) |
Depreciation on Bank's property |
192 |
238 |
300 |
294 |
150 |
523 |
889 |
875 |
|
f) |
Directors' fees, allowances and expenses |
2 |
2 |
9 |
6 |
13 |
11 |
4 |
4 |
|
g) |
Auditors' fees and expenses |
11 |
11 |
11 |
13 |
6 |
8 |
22 |
26 |
|
h) |
Law charges |
4 |
5 |
42 |
51 |
5 |
16 |
18 |
14 |
|
i) |
Postage, telegrams, telephones, etc. |
165 |
184 |
223 |
169 |
101 |
196 |
111 |
136 |
|
j) |
Repairs and maintenance |
46 |
52 |
189 |
166 |
407 |
415 |
73 |
90 |
|
k) |
Insurance |
107 |
134 |
71 |
84 |
36 |
100 |
192 |
122 |
|
l) |
Other expenditure |
460 |
511 |
503 |
549 |
556 |
795 |
488 |
508 |
|
V. |
Provisions and contingencies |
1410 |
916 |
3010 |
2574 |
1793 |
1381 |
3688 |
4578 |
|
Total expenses* |
27967 |
33482 |
15191 |
18278 |
13191 |
22066 |
23071 |
25526 |
||
VI. |
Profit |
777 |
2074 |
3420 |
3815 |
1116 |
2481 |
2158 |
3353 |
|
Total (III+IV+V+VI) |
30154 |
36473 |
21621 |
24667 |
16101 |
25928 |
28917 |
33457 |
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(Amount in Rs. lakh) |
||
For the year ended 31st March |
|||||||
UTI |
Vysya |
||||||
Items |
Bank |
Bank |
|||||
1997 |
1998 |
1997 |
1998 |
||||
|
|
|
(65) |
(66) |
(67) |
(68) |
|
Income |
|||||||
I. |
Interest Earned |
15765 |
25561 |
63966 |
64473 |
||
a) |
Interest/discount on advances/bills |
11561 |
16059 |
43127 |
37187 |
||
b) |
Income on Investments |
3550 |
8802 |
19364 |
22774 |
||
c) |
Interest on balances with |
372 |
585 |
1395 |
3881 |
||
RBI and other inter-bank funds |
|||||||
d) |
Others |
282 |
115 |
80 |
632 |
||
II. |
Other income |
2410 |
6090 |
10090 |
13906 |
||
a) |
Commission, exchange and brokerage |
1272 |
1747 |
5216 |
4789 |
||
b) |
Net Profit on sale of investments |
401 |
3252 |
747 |
5987 |
||
c) |
Net Profit on sale of land, |
-5 |
- |
1 |
2 |
||
building & other assets |
|||||||
d) |
Net Profit on exchange transaction |
195 |
285 |
2112 |
1578 |
||
e) |
Miscellaneous income |
548 |
806 |
2015 |
1551 |
||
Total (I+II) |
18175 |
31651 |
74055 |
78379 |
|||
Expenditure & Provisions |
|||||||
III. |
Interest expended |
12207 |
22219 |
51384 |
54094 |
||
a) |
Interest on deposits |
11227 |
20537 |
48089 |
52373 |
||
b) |
Interest on RBI/inter-bank borrowings |
579 |
914 |
2094 |
632 |
||
c) |
Others |
401 |
768 |
1200 |
1089 |
||
IV. |
Operating expenses |
2641 |
3976 |
11500 |
12777 |
||
a) |
Payments to and provisions for employees |
514 |
829 |
6817 |
7293 |
||
b) |
Rent, taxes and lighting |
536 |
1089 |
1379 |
1585 |
||
c) |
Printing and stationery |
35 |
108 |
296 |
304 |
||
d) |
Advertisement and publicity |
89 |
60 |
230 |
154 |
||
e) |
Depreciation on Bank's property |
627 |
851 |
710 |
824 |
||
f) |
Directors' fees, allowances and expenses |
1 |
4 |
30 |
26 |
||
g) |
Auditors' fees and expenses |
6 |
9 |
23 |
28 |
||
h) |
Law charges |
14 |
16 |
14 |
25 |
||
i) |
Postage, telegrams, telephones, etc. |
123 |
158 |
273 |
370 |
||
j) |
Repairs and maintenance |
98 |
154 |
323 |
394 |
||
k) |
Insurance |
58 |
149 |
221 |
275 |
||
l) |
Other expenditure |
541 |
548 |
1184 |
1499 |
||
V. |
Provisions and contingencies |
1804 |
3695 |
4660 |
3957 |
||
Total expenses* |
14849 |
26195 |
62883 |
66871 |
|||
VI. |
Profit |
1522 |
1762 |
6512 |
7552 |
||
Total (III+IV+V+VI) |
18175 |
31651 |
74055 |
78379 |
|||
Note |
: *Excluding 'Provisions and Contingencies'. |
||||||
- |
: Nil or negligible. |
||||||
Source : Annual accounts of banks. |