Table 50 : Earnings and Expenses of Scheduled Commercial Banks : 1998-99 and 1999-2000 (Part 3 of 6)

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Table 50 : Earnings and Expenses of Scheduled Commercial Banks : 1998-99 and 1999-2000 (Part 3 of 6)

Other Scheduled Commercial Banks

						(Amount in Rs. lakh)
			For the year ended March 31
Items			Bank of		Bank of		Bank of
			Madura		Punjab		Rajasthan
			1999	2000	1999	2000	1999	2000
			(1)	(2)	(3)	(4)	(5)	(6)
Income
I.	Interest Earned		32322	37021	18645	26281	35027	39974
	a)	Interest/discount on advances/bills	14730	18506	8215	12451	18233	20439
	b)	Income on Investments	12461	14614	9740	13115	13061	14958
	c)	Interest on balances with	5110	3899	690		2504	2646
		RBI and other inter-bank funds
	d)	Others	21	2		715	1229	1930

II.	Other income		9857	9872	4274	4624	4362	5339
	a)	Commission, exchange and brokerage	2695	3420	880	1497	1976	2295
	b)	Net Profit (loss) on sale of investments	1165	2664	1246	1021	257	939
	c)	Net Profit (loss) on revaluation of
		investments
	d)	Net Profit (loss) on sale of land, building &	4	4	(4)	(13)	6	(1)
		other assets
	e)	Net Profit (loss) on exchange transaction	2258	361	923	704	490	337
	f)	Miscellaneous income	3735	3423	1229	1414	1633	1769
	Total (I+II)		42179	46894	22920	30905	39389	45313
Expenditure & Provisions
III.	Interest expended		25516	26609	14526	18911	28575	30614
	a)	Interest on deposits	23595	24156	14111	17546	28198	30337
	b)	Interest on RBI/inter-bank borrowings	1039	731	416	1365	372	269
	c)	Others	881	1722			4	8

IV.	Operating expenses		10570	10739	4224	6607	11930	12862
	a)	Payments to and provisions for employees	4843	6278	717	776	8174	9048
	b)	Rent, taxes and lighting	585	683	816	1178	751	751
	c)	Printing and stationery	174	175	131	265	126	131
	d)	Advertisement and publicity	112	125	183	358	60	52
	e)	Depreciation on Bank’s property	3060	1780	1142	1324	1168	1193
	f)	Directors’ fees, allowances and expenses	5	6	28	26	21	10
	g)	Auditors’ fees and expenses	12	13	20	27	26	26
	h)	Law charges	19	31	10	23	76	110
	i)	Postage, telegrams, telephones, etc.	223	190	163	225	226	211
	j)	Repairs and maintenance	226	241	149	281	49	75
	k)	Insurance	140	142	93	119	180	189
	l)	Other expenditure	1172	1075	772	2007	1073	1066

V.	Provisions and contingencies		3079	4987	928	2075	5629	629

	Total expenses@		36086	37348	18750	25519	40505	43476

VI.	Profit (loss)		3013	4558	3242	3311	(6746)	1207
	Total (III+IV+V+VI)		42179	46894	22920	30905	39389	45313

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Benares State		Bharat Overseas		Catholic Syrian		Centurion
			Bank		Bank		Bank		Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(7)	(8)	(9)	(10)	(11)	(12)	(13)	(14)
Income
I.	Interest Earned		8002	9284	14376	13955	25476	28338	39470	44280
	a)	Interest/discount on advances/bills	2719	2459	7529	7312	14550	14317	21183	21558
	b)	Income on Investments	5020	6496	4711	4750	9272	12008	9532	16823
	c)	Interest on balances with	263	328	2136	1893	1615	1972	1244	1802
		RBI and other inter-bank funds
	d)	Others					40	41	7511	4097

II.	Other income		906	1666	1829	1991	2434	4223	4447	8879
	a)	Commission, exchange and brokerage	275	251	620	777	760	1032	887	1430
	b)	Net Profit (loss) on sale of investments	287	1011	279	713	471	2050	1448	5576
	c)	Net Profit (loss) on revaluation of					(3)	(1)
		investments
	d)	Net Profit (loss) on sale of land, building &		3	16	1	3	1
		other assets
	e)	Net Profit (loss) on exchange transaction	77	146	785	369	491	411	732	814
	f)	Miscellaneous income	266	257	129	131	711	730	1380	1059
	Total (I+II)		8908	10950	16205	15946	27910	32561	43917	53159
Expenditure & Provisions
III.	Interest expended		6701	8016	11261	10475	20914	22029	29614	36249
	a)	Interest on deposits	6665	7986	10782	10080	20265	21119	19917	27388
	b)	Interest on RBI/inter-bank borrowings	35	30	329	245	56	248	5509	4131
	c)	Others			150	150	594	662	4188	4730

IV.	Operating expenses		3041	2877	3252	3434	6491	7977	11170	10403
	a)	Payments to and provisions for employees	2142	2003	1633	1711	4466	5901	1017	1091
	b)	Rent, taxes and lighting	257	258	586	610	591	652	635	714
	c)	Printing and stationery	36	38	56	49	119	129	172	230
	d)	Advertisement and publicity	6	10	103	25	19	12	196	275
	e)	Depreciation on Bank’s property	104	99	137	248	460	439	6269	4263
	f)	Directors’ fees, allowances and expenses	26	10	10	11	16	12	20	20
	g)	Auditors’ fees and expenses	21	21	10	10	8	9	24	15
	h)	Law charges	4	15	23	101	9	9	113	228
	i)	Postage, telegrams, telephones, etc.	60	53	78	59	131	107	215	283
	j)	Repairs and maintenance	30	19	37	24	36	35	213	441
	k)	Insurance	115	124	58	67	110	126	81	146
	l)	Other expenditure	241	227	521	518	526	547	2215	2697

V.	Provisions and contingencies		1198	595	566	1933	466	1892	989	3073

	Total expenses@		9741	10894	14513	13909	27406	30006	40784	46652

VI.	Profit (loss)		(2031)	(539)	1125	103	38	663	2144	3433
	Total (III+IV+V+VI)		8908	10950	16205	15946	27910	32561	43917	53158

								(Amount in Rs. lakh)
			For the year ended March 31
Items			City Union		Development Credit		Dhanalakshmi		Federal
			Bank		Bank		Bank		Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(15)	(16)	(17)	(18)	(19)	(20)	(21)	(22)
Income
I.	Interest Earned		14989	17587	22112	26321	14239	16315	85944	88179
	a)	Interest/discount on advances/bills	9434	10675	11428	15261	8423	9369	50480	52899
	b)	Income on Investments	4146	6419	10093	10246	5011	6060	32405	31834
	c)	Interest on balances with	349	416	590	814	804	876	2738	2123
		RBI and other inter-bank funds
	d)	Others	1060	76				10	321	1323

II.	Other income		2760	3310	3188	6712	1343	2469	11298	13230
	a)	Commission, exchange and brokerage	1103	1264	1105	1707	808	1055	3776	4819
	b)	Net Profit (loss) on sale of investments	692	1197	143	2671	255	1062	2751	3401
	c)	Net Profit (loss) on revaluation of
		investments
	d)	Net Profit (loss) on sale of land, building &	1	(3)		(5)	2		9	(8)
		other assets
	e)	Net Profit (loss) on exchange transaction	402	312	308	366	39	85	1524	1525
	f)	Miscellaneous income	563	539	1633	1973	238	268	3238	3493
	Total (I+II)		17749	20897	25300	33033	15581	18784	97242	101409
Expenditure & Provisions
III.	Interest expended		12345	12918	16732	20675	11255	12341	77157	70145
	a)	Interest on deposits	11926	12544	15706	18911	10796	11835	74180	62853
	b)	Interest on RBI/inter-bank borrowings	125	217	620	1418	21	77	587	1377
	c)	Others	294	157	406	347	438	428	2389	5915

IV.	Operating expenses		2915	3073	5572	6060	2996	3432	15147	17715
	a)	Payments to and provisions for employees	1661	1973	2391	2621	1918	2246	9264	11812
	b)	Rent, taxes and lighting	153	207	355	473	385	447	1148	1400
	c)	Printing and stationery	72	71	112	119	73	77	201	200
	d)	Advertisement and publicity	63	19	93	80	27	28	122	58
	e)	Depreciation on Bank’s property	273	253	1432	1469	199	201	1959	1750
	f)	Directors’ fees, allowances and expenses	3	4	17	17	4	4	16	15
	g)	Auditors’ fees and expenses	5	4	22	31	6	7	68	64
	h)	Law charges	1	2	26	23	2	1	17	34
	i)	Postage, telegrams, telephones, etc.	110	87	101	123	65	57	159	53
	j)	Repairs and maintenance	30	34	181	141	27	42	231	179
	k)	Insurance	93	86	74	102	42	59	299	294
	l)	Other expenditure	450	333	768	863	248	263	1662	1855

V.	Provisions and contingencies		1264	2900	862	3402	944	1883	4686	8911

	Total expenses@		15260	15992	22304	26735	14250	15773	92303	87860

VI.	Profit (loss)		1225	2006	2133	2896	387	1128	253	4639
	Total (III+IV+V+VI)		17749	20897	25300	33033	15581	18784	97242	101409

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Ganesh Bank of		Global Trust		HDFC		ICICI
			Kurundwad		Bank		Bank*		Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(23)	(24)	(25)	(26)	(27)	(28)	(29)	(30)
Income
I.	Interest Earned		1372	1644	49136	64641	37608	67987	54405	85287
	a)	Interest/discount on advances/bills	1020	1171	29228	38010	14317	26700	22595	34791
	b)	Income on Investments	285	400	18192	24719	18220	36678	20850	40971
	c)	Interest on balances with	28	38	1381	1311	5045	4563	10941	9462
		RBI and other inter-bank funds
	d)	Others	39	35	335	601	26	46	19	64

II.	Other income		110	90	14632	23270	6807	12535	8903	19405
	a)	Commission, exchange and brokerage	46	69	3147	3635	4092	8319	3741	6708
	b)	Net Profit (loss) on sale of investments			3556	5951	1513	2127	1244	10114
	c)	Net Profit (loss) on revaluation of
		investments
	d)	Net Profit (loss) on sale of land, building &			(26)	(36)	1	(10)	(10)	(13)
		other assets
	e)	Net Profit (loss) on exchange transaction			1805	2113	1195	2091	3412	2239
	f)	Miscellaneous income	63	21	6150	11608	6	8	517	358
	Total (I+II)		1482	1734	63768	87912	44415	80522	63309	104692
Expenditure & Provisions
III.	Interest expended		1115	1284	43846	50719	22918	37428	42552	66695
	a)	Interest on deposits	1051	1243	40904	44371	17601	28659	37187	58050
	b)	Interest on RBI/inter-bank borrowings	64	41	1470	2568	4014	6464	2040	2355
	c)	Others			1472	3780	1303	2305	3325	6289

IV.	Operating expenses		300	329	9466	12390	8879	17139	8297	15331
	a)	Payments to and provisions for employees	175	196	1316	1813	2206	4853	1819	3637
	b)	Rent, taxes and lighting	24	17	1088	1391	1421	2219	1137	1801
	c)	Printing and stationery	9	11	276	406	511	1025	324	823
	d)	Advertisement and publicity		1	343	551	499	1137	339	388
	e)	Depreciation on Bank’s property	44	49	3772	4188	1502	2646	1753	2479
	f)	Directors’ fees, allowances and expenses	1	1	7	2	3	82	5	7
	g)	Auditors’ fees and expenses		1	21	23	14	29	13	14
	h)	Law charges	2	4	21	19	6	41	96	50
	i)	Postage, telegrams, telephones, etc.	13	13	350	413	929	1505	433	687
	j)	Repairs and maintenance	1	1	386	458	731	1361	757	1009
	k)	Insurance	6	7	312	321	158	295	225	369
	l)	Other expenditure	24	31	1575	2804	899	1946	1397	4066

V.	Provisions and contingencies		57	100	3370	13941	4378	13951	6124	12137

	Total expenses@		1416	1613	53312	63109	31797	54567	50849	82026

VI.	Profit (loss)		10	21	7086	10862	8240	12004	6336	10530
	Total (III+IV+V+VI)		1482	1734	63768	87912	44415	80522	63309	104692

Notes	1. @ : Excluding ‘Provisions and Contingencies’.
	2. Figures in bracket indicate loss.
	3. * : With effect from 26th February 2000, Times Bank has been merged with HDFC Bank. The data for the year ended March
	31, 2000 represent merged bank’s figures.
Source	: Annual accounts of banks of respective years.